1 Calculate rate of interest in decimal, solve for r. 2  r = (A/P) 1/t - 1. 3  Calculate rate of interest in percent. 4  R = r * 100. 5  Calculate time, solve for t. 6  t = t = ln(A/P) / ln(1 + r) = [ ln(A) - ln(P) ] / ln(1 + r).
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