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★ MEMBER ·Grade 11

Sequences & Series

Where this is used

"You put ¥1,000,000 in an account paying 5% a year — what is it worth in 10 years?" That's a geometric sequence. "You save ¥30,000 every month — how many months until you reach ¥1,000,000?" That's an arithmetic one. The pull of compound interest, how fast a virus or a rumor spreads, how much you still owe on a loan — all of it becomes predictable once you model it as a sequence. Fibonacci numbers show up as well, in stock charts, in flower petals, and in the spiral of a seashell.

Start gently

A sequence is a list of numbers whose rule you find, so you can write the n-th term as a formula. An arithmetic sequence grows by a fixed amount; a geometric one grows by a fixed multiple.

Key points

Arithmetic Sequences

A sequence in which the gap between any two neighboring terms is always the same. That gap d is called the common difference, and the nth term is a_n = a_1 + (n−1)d.

Geometric Sequences

A sequence in which the ratio between any two neighboring terms is always the same. That ratio r is called the common ratio, and the nth term is a_n = a_1 × r^{n−1}.

Summing an Arithmetic Sequence

For an arithmetic sequence with first term a_1, last term l, and n terms in total, the sum is S_n = n(a_1 + l)/2 — the number of terms times the average of the first and last one.

Summing a Geometric Sequence

For a geometric sequence with first term a_1, common ratio r (with r ≠ 1), and n terms in total, the sum is S_n = a_1(1−r^n)/(1−r).

Where You'll Meet This: Compound Interest

Start with an amount P earning interest r per year. The balance at the end of each year forms a geometric sequence, so after n years you have P × (1+r)^n. Leave ¥1,000,000 at 5% for 10 years and it grows to roughly ¥1,630,000.

See it drawn

Arithmetic (+3 each time) and geometric (×2 each time)
051015202a15a28a311a414a5

In the arithmetic sequence 2, 5, 8, 11, 14 the tops of the bars line up straight.

The geometric sequence 2, 4, 8, 16, 32
0102030402a14a28a316a432a5

This one accelerates. Compound interest and the spread of an infection have exactly this shape.

Jobs that use this

Financial Analyst$160k

Growth Engineer (Startup)$140k

Algorithms Engineer$170k

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