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The complete list of basic finance formulas cheat sheet to know how to manually solve the calculations. I = p*r*t i is the interest, in $ p is the principal, in $ r is the interest rate in decimal. Needed monthly deposit = ⇥ ((1 + r)t 1) where t is the number of deposits needed to reach your goal and r is the monthly interest rate. Whether you plan to use the complimentary formulas provided by financeformulas.net for personal or academic use, financeformulas.net.