Pat deposits $6,000 into an account earning 4% compounded monthly. how long will it take the account to grow to $10,000? 13 years 10. kay is saving $200 a month into an account earning 5% interest. how long will it take her to save $20,000? james has $3,000 in credit card debt, which charges 14% interest. how long will it take to pay off the card if he makes the minimum payment of $60 a month? 12. chris has saved $200,000 for retirement, and it is in an account earning 6% interest. if she withdraws $3,000 a month, how long will the money last?