so, start with the growth formula A=P(1+r)^t then plug in the values 6200=5200(1+.038)^t then divide both sides by 5200 1.1923076923=1.038^t then take the log of both sides log(1.1923076923)= t log(1.038) then divide both sides by the log(1.038) 4.7161004299=t then round it to the nearest whole number 5=t so about 5 months