GCSE Maths · Ratio, proportion and rates of change

Growth and decay GCSE Questions and Worked Answers

Growth and decay describe quantities changing over time. A repeated percentage change uses the latest amount each time. If each period also adds or removes a fixed amount, calculate those operations in the stated order before repeating.

Foundation & Higher6 worked examples10 original questions
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Start with the meaning

What you need to know about growth and decay

A tank holds 100 litres of water. Each hour, 10% of the water then in the tank leaks out. During the first hour, 10 litres leave, so 90 remain. During the next hour, 10% of 90 is 9 litres, so 81 remain. The percentage loss is unchanged, but the amount lost becomes smaller.

See the idea first

Repeat the change on the latest amount

Losing 10% leaves 90%: multiply by 0.9. This number is called the multiplier. A 10% increase instead leaves 110% of the previous amount, so its multiplier is 1.1. Multiplying twice by 0.9 can be written 0.9²; the power counts the completed periods.

A leak with no water added
Completed hoursCalculation for this hourWater remaining
0Starting amount100 litres
1100 × 0.990 litres
290 × 0.981 litres
381 × 0.972.9 litres
From problem to method

Typical problems you need to be able to solve

These are the main kinds of question in this topic. Each card first states the problem, then explains how to solve it.

Find an amount after repeated percentage change

What the problem asks: A machine worth £800 loses 15% of its current value each year. Find its value after two years.

How to solve it: Each year leaves 85%, so multiply by 0.85 twice: 800 × 0.85² = 578. This power shortcut applies when the same multiplier is the only change in every period.

Model a fixed addition after each percentage change — Higher extension

What the problem asks: Start with £500. At each year-end add 4% interest, then deposit £60. Find the next balance and a rule for later years.

How to solve it: First 500 × 1.04 = 520, then add 60 to get £580. Let Bₙ be the balance after n complete years, including their deposits. The small n labels the year, not a power. The next balance is Bₙ₊₁ = 1.04Bₙ + 60, with B₀ = 500. Reusing this rule is iteration.

Model a repayment before interest — Higher extension

What the problem asks: A £900 debt is reduced by £100 before 2% interest is added each month. Find the next balance.

How to solve it: First subtract the repayment: 900 − 100 = 800. Then 800 × 1.02 = 816. The rule for a full repayment is Bₙ₊₁ = 1.02(Bₙ − 100). It differs from 1.02Bₙ − 100, which would charge interest first.

Find when a target is first reached — Higher extension

What the problem asks: A tank starts with 50 litres, loses 20% each hour, then receives 4 litres. When does it first fall below 40 litres?

How to solve it: After one complete hour: 50 × 0.8 + 4 = 44. After two: 44 × 0.8 + 4 = 39.2. It first falls below 40 at the end of hour 2. Record each period so you can show the preceding value has not already passed the target.

A reliable routine

Build one complete period before repeating it

For a process described as repeating every hour, month or year, model one complete period in its stated order. Iteration works because that period's final amount becomes the next period's starting amount. General iterative models are Higher-tier work; ordinary repeated percentage growth and decay also occur at Foundation.

  1. Identify the starting amount, the period length and when the amount is recorded.
  2. Work through one period in words: percentage change, fixed addition or removal, in the stated order.
  3. If using a rule, define B₀ as the starting amount and Bₙ as the amount after n complete periods.
  4. Feed each final amount into the next period. Keep full precision unless the question specifies rounding at each step.
  5. Stop at the requested period or first target crossing. For a debt, do not continue a full repayment after less than that repayment is owed.

Check: Do not replace repeated deposits by one deposit at the end: earlier deposits may earn interest. Financial examples here are simplified mathematical models, not descriptions of a particular bank's rounding or charging policy.

Fully worked

Growth and decay GCSE worked examples

Each solution explains the clue, why the method fits and how to check the result.

Example 1

Repeated growth

3 marks
Question

A culture has a modelled mass of 250 g, increasing by 12% each hour. Find the mass after three hours to 1 decimal place.

Each hour leaves 112% of the previous mass, so multiply by 1.12.

250×1.123250\times1.12^3 =351.232=351.232

The mass is 351.2 g to 1 decimal place. Tip: the power is 3 because three hours have passed.

Example 2

Repeated decay

3 marks
Question

A machine is worth £800. It loses 15% of its current value each year. Find its value after two years.

The multiplier is 10.15=0.851-0.15=0.85. After year 1:

800×0.85=680800\times0.85=680

After year 2:

680×0.85=578680\times0.85=578

The value is £578. This is not a 30% loss of the original value: the second loss uses £680.

Example 3

Interest followed by a deposit

Higher only4 marks
Question

Start with £500. At each year-end, add 4% interest, then deposit £60. Form an iterative rule and find the balance after two years. Do not round between years.

Let BnB_n be the balance in pounds after n complete years, including their deposits. The starting value is B0=500B_0=500. One year multiplies by 1.04, then adds 60:

Bn+1=1.04Bn+60B_{n+1}=1.04B_n+60

Year 1:

B1=1.04(500)+60B_1=1.04(500)+60 =520+60=520+60 =580=580

Year 2 uses this new balance:

B2=1.04(580)+60B_2=1.04(580)+60 =603.20+60=603.20+60 =663.20=663.20

The answer is £663.20. The first £60 deposit earns interest in year 2; the second does not earn interest before this endpoint.

Example 4

Why the order changes the answer

Higher only4 marks
Question

A £900 debt has a £100 monthly repayment and 2% monthly interest. Find the balance after one month if (a) interest is added before repayment, (b) repayment is made before interest.

(a) Interest first:

900×1.02=918900\times1.02=918 918100=818918-100=818

The balance is £818. (b) Repayment first:

900100=800900-100=800 800×1.02=816800\times1.02=816

The balance is £816. In (b), the repaid £100 does not incur that month's 2% interest, saving £2. Tip: preserve the order with brackets: 1.02(Bn100)1.02(B_n-100) for repayment first.

Example 5

First time below a target

Higher only4 marks
Question

A tank starts with 50 litres. Every hour 20% of its current water leaks out, then 4 litres are added. After how many complete hours is it first below 40 litres?

Let VnV_n be litres after n complete hours, so V0=50V_0=50. Losing 20% leaves 80%, then add 4:

Vn+1=0.8Vn+4V_{n+1}=0.8V_n+4

Hour 1:

V1=0.8(50)+4=44V_1=0.8(50)+4=44

Hour 2:

V2=0.8(44)+4=39.2V_2=0.8(44)+4=39.2

Since 44 is not below 40 but 39.2 is, the first crossing is after 2 complete hours.

Example 6

The final loan payment

Higher only5 marks
Question

A £250 loan gains 2% interest at each month-end. Immediately afterwards, pay £100 or the entire amount owed if that is smaller. Find how many payments clear the loan and the final payment. Keep full precision until the final answer.

Month 1 interest:

250×1.02=255250\times1.02=255

After the £100 payment:

255100=155255-100=155

Month 2 interest:

155×1.02=158.10155\times1.02=158.10

After payment:

158.10100=58.10158.10-100=58.10

Month 3 interest:

58.10×1.02=59.26258.10\times1.02=59.262

This is less than £100. Pay the remaining £59.262 in the model, reported as £59.26 to the nearest penny. The loan clears with the third payment. Tip: do not subtract another full £100 and call a negative balance a debt.

10 original questions · total 30 marks

Growth and decay GCSE exam-style questions

Try each question before opening its fully worked answer. The difficulty rises through the set.

Before you startAllow about 35 minutes · Show your working. Give exact answers unless a question asks you to round, and include units where needed. · answers start collapsed
1

Choose a multiplier

2 marks

Write the multipliers for a 7% increase and a 7% decrease.

Show worked answer

Increase: 1+0.07=1.071+0.07=1.07. Decrease: 10.07=0.931-0.07=0.93. They represent 107% and 93% of the starting amount.

2

Find a future mass

3 marks

A 400 g culture grows by 5% per hour. Find its modelled mass after two hours.

Show worked answer
400×1.052400\times1.05^2 =441=441

The mass is 441 g.

3

Depreciation

3 marks

A £600 device loses 10% of its current value each year. Find its value after three years.

Show worked answer
600×0.93600\times0.9^3 =437.4=437.4

The value is £437.40. Use three multiplications, not a single subtraction of 30%.

4

Form a deposit rule

Higher only3 marks

An account starts with £300. At each year-end it earns 5% interest, then receives £40. Define an iterative rule.

Show worked answer

Let BnB_n be the balance in pounds after n complete years, including deposits.

B0=300B_0=300 Bn+1=1.05Bn+40B_{n+1}=1.05B_n+40

Multiplication adds the interest first; the fixed deposit follows.

5

Use the deposit rule

Higher only3 marks

An account starts with £300. At each year-end add 5% interest, then deposit £40. Find the balance after two years.

Show worked answer

Let BnB_n be the balance after n complete years, so B0=300B_0=300. $B_1=1.05(300)+40=355

B_2=1.05(355)+40=412.75$$ The balance is £412.75. Use £355, not £300, for the second year's interest.

6

Withdraw before interest

Higher only3 marks

An account starts with £600. Withdraw £50 at the start of each year, then add 3% interest at year-end. Write its rule and find the balance after one year.

Show worked answer

Let BnB_n be the balance after n years, with B0=600B_0=600.

Bn+1=1.03(Bn50)B_{n+1}=1.03(B_n-50) B1=1.03(60050)B_1=1.03(600-50) =566.50=566.50

The balance is £566.50. This rule assumes the withdrawal can be made.

7

Leak then refill

Higher only4 marks

A tank contains 80 litres. Each hour 25% leaks out, then 8 litres are added. Find the volume after two hours.

Show worked answer

The retained fraction is 0.75.

V1=0.75(80)+8=68V_1=0.75(80)+8=68 V2=0.75(68)+8=59V_2=0.75(68)+8=59

There are 59 litres after two hours.

8

First balance above a target

Higher only4 marks

Start with £100. At each year-end add 10% interest, then £20. When is the balance first above £160?

Show worked answer
B1=1.1(100)+20=130B_1=1.1(100)+20=130 B2=1.1(130)+20=163B_2=1.1(130)+20=163

The first balance is below the target and the second is above it. The answer is after 2 years.

9

Read the rule in words

Higher only2 marks

A model uses Vn+1=0.85Vn+12V_{n+1}=0.85V_n+12, where V is a volume in litres after n days. Describe what happens each day.

Show worked answer

First 15% of the current volume is lost, leaving 85%. Then 12 litres are added. The 12 is a fixed volume, not a 12% increase.

10

A loan that does not shrink

Higher only3 marks

A £1,000 loan gains 3% interest each month, then a £20 repayment is made. Find the balance after one month and explain why it increases.

Show worked answer
1000×1.03=10301000\times1.03=1030 103020=10101030-20=1010

The balance is £1,010. The £30 interest exceeds the £20 repayment, so paying something does not necessarily reduce the debt.

Examiner-style feedback

Common growth and decay mistakes

Applying every percentage to the original amount

Repeated percentage change acts on the current amount. Fixed additions based on the original principal describe simple interest instead.

Ignoring when deposits or repayments occur

1.02B − 100 and 1.02(B − 100) model different timings. Translate one complete period before repeating.

Counting the start as period one

B₀ is the start. B₁ is after the first complete period.

Rounding every step without permission

Carry calculator precision forward unless the question specifies a rounding rule. State the final accuracy requested.

30-second recap

Choose, carry out, check

Translate the wording before you reach for a rule.

  1. Convert percentage change to the retained multiplier.
  2. Use a power only for unchanged repeated multiplication.
  3. For mixed changes, preserve the order and reuse the latest amount.
  4. Check both sides of a first-crossing target and stop debt models at repayment.
Quick answers

Growth and decay FAQ

Is growth and decay Higher only?

Basic repeated percentage change is available across tiers. The general iterative models with fixed additions or removals on this page are marked as Higher extensions.

Can I use the calculator Ans key?

Yes, where supported. Enter the starting amount, then the complete rule using Ans. Write down each period and do not lose brackets.

Is this the same as iteration for finding roots?

Both repeat a rule. Here each step represents a real period of change; root-finding iteration instead seeks a value satisfying an equation.

Build connected skills

What to revise next

Content standards

Curriculum and rights review

R16 growth and decay across tiers, with general iterative processes labelled Higher locally. Contextual balances, operation order, deposits, repayments and first target crossings use simplified stated models. Questions, suggested marks, solutions and diagrams are original practice material, not official past-paper questions.

Official specification references