The 20th term. Adding 5 exactly 19 times to 3 — one fewer than the term number, which is where the off-by-one usually happens.
Term 20
98
from the closed form
Sum of first 20
1010
by the pairing formula
Common difference
5
increasing
Recursive form
a₁ = 3, aₙ = aₙ₋₁ + 5
the same rule, stated step by step
The first 12 terms
3813182328333843485358… to 98
The two formulas, with your numbers in
The nth-term and partial-sum formulas for this sequence, with the entered values substituted
What
Formula
Value
nth term
aₙ = 3 + (n − 1) × 5
98
Sum to n
Sₙ = n ÷ 2 × (2 × 3 + (n − 1) × 5)
1010
The 20th term is 98: start at 3 and add 5 exactly 19 times, not 20.
The sum uses the pairing trick: first plus last is 101, and there are 20 terms, so the total is 20 × 101 ÷ 2.
Carried as exact fractions, so a difference of 0.1 gives 4.0 at term 40 rather than 3.9999999999999996.
What this tool shows
Term 20 of 3, 8, 13, … is 98, not 103 — you add the common difference19 times to get to the twentieth term, not 20. That single subtraction is where most of the wrong answers come from, so the page says it out loud.
The nth term of any arithmetic sequence
The sum of the first n terms
Both formulas with your numbers substituted
The recursive form alongside the closed one
Fractional and decimal common differences, exactly
What a common difference of zero does
Term and sum together Exact, not floating point Both formulas substituted Recursive form too
Updated 7 September 2026 · Works in any browser, no installation
an = a1 + (n − 1)d. Start at the first term and add the common difference one fewer time than the term number, because the first term needed no additions at all. For 3, 8, 13, … the twentieth term is 3 + 19×5 = 98.
At a glance
Formula shown
a\u2099 = a\u2081 + (n \u2212 1)d. The sum of the first n terms is S\u2099 = n(a\u2081 + a\u2099)/2, equivalently n/2 \u00d7 (2a\u2081 + (n \u2212 1)d) \u2014 the first form is the pairing argument, the second is it with a\u2099 expanded.
Scenario support
Working out a seat count in row n of a theatre; a savings plan that adds a fixed amount each month; any exam question that gives two terms and asks for a rule.
Educational estimate
Planning support from the values you enter — not professional advice.
Why the exponent is n − 1
This is the single most common mistake, and it is worth being explicit about.
Term 1 is the first term. No addition has happened. Term 2 has had one addition, term 3 has had two. By term 20 there have been nineteen. The number of steps is always one fewer than the term number, because counting the terms starts at 1 while counting the steps starts at 0.
Use n instead of n − 1 and every answer is one common difference too large — 103 instead of 98. It is a consistent, invisible error: the answer looks plausible, which is exactly what makes it dangerous.
The sum, and Gauss’s trick
The story goes that Gauss, asked as a schoolboy to add the numbers from 1 to 100, produced 5050 almost at once. Whether or not it happened, the method is the one worth knowing.
Pair the first with the last: 1 + 100 = 101. The second with the second-last: 2 + 99 = 101. Every pair gives 101, and there are fifty of them. So the total is 50 × 101 = 5050.
That generalises to any arithmetic sequence, because the pairing always works: as one end goes up by d, the other comes down by d, so every pair has the same total. Hence Sn = n(a1 + an)/2 — the average of the first and last term, multiplied by how many terms there are.
A pleasing consequence: the first n odd numbers sum to exactly n². Try 1, 3, 5, … with 100 terms and the total is 10,000.
Closed form or recursive
The same sequence can be described two ways, and both are on the page because different courses teach different ones.
The recursive form says how to get from one term to the next: a1 = 3, an = an−1 + 5. Faithful to how the sequence is built, and useless for finding term 500 without finding the 499 before it.
The closed form jumps straight there: an= 3 + (n − 1)×5. Term 500 is one line of arithmetic.
For arithmetic sequences the closed form is easy to derive, which is why it is the one used. Not every sequence has one that simple — the Fibonacci numbers famously need the golden ratio to write theirs down.
Finding the rule from two terms
A common exam shape: you are told term 4 is 17 and term 9 is 42, and asked for the rule.
Five steps separate them, and they differ by 25, so the common difference is 25 ÷ 5 = 5. Then work backwards from term 4: three steps before it, so a1= 17 − 3×5 = 2.
The general version: d = (am − an) / (m − n), and then substitute either known term to recover a1. Once you have both, this page gives you every other term and the sum.
Where they turn up
Seating and stacking. A theatre with two extra seats per row, a stack of logs with one fewer on each layer — the total is an arithmetic sum, which is why the pairing formula appears in trade estimating as often as in classrooms.
Simple interest. Interest on the original amount only grows by a fixed sum each period, so a simple-interest balance is arithmetic. Compound interest is geometric, which is the whole reason it outruns it.
Depreciation on a straight line. Take a fixed amount off each year and the book value is an arithmetic sequence, which is what makes the straight-line method easy to audit.
Anything paced evenly. A training plan adding five minutes a week, a payment plan of equal instalments — if the step is constant, this is the sequence.
Why exact arithmetic matters here
Enter a first term of 0.1 and a common difference of 0.1, and ask for term 40. The answer is 4.
Add 0.1 forty times in floating point and you get 3.9999999999999996. Neither 0.1 nor the running total can be stored exactly in binary, and the error compounds with every addition.
This page carries the terms as exact fractions on arbitrary-precision integers, so 0.1 is really one tenth and term 40 is really 4. Fractions entered as 1/3 or 1/6 stay exact too, rather than becoming 0.3333333333.
For a homework answer the difference is cosmetic. For anything that gets summed a few thousand times, it is not — and the closed form exists precisely so the drift never happens.
Sources and methodology
Sequences are standard curriculum material; these are the references for how they are defined and assessed.
Method. Terms and sums are carried as exact rationals on arbitrary-precision integers, so a common difference entered as 0.1 or as 1/6 stays exact however many terms are taken. The partial sum comes from the pairing formula rather than from a loop, and the suite checks it against a term-by-term loop across two thousand generated sequences — including the case where floating point would visibly drift. That engine is verified on every change against 76 hand-written assertions, including that a sequence starting at 0.1 with a step of 0.1 gives exactly 4 at term 40, which through doubles gives 3.9999999999999996. The count and the per-case breakdown are published on the formula verification page.
Related calculators
Where this goes next:
Geometric SequenceNth term, partial sum, and whether the infinite series converges at all — with exact ratios, so 1/3 stays 1/3 instead of becoming 0.3333333333.
Nth TermGive it the terms and it finds the rule — arithmetic, geometric, quadratic or Fibonacci-like — with the difference table, and an honest 'no rule found' when there is none.
FibonacciEvery digit of F(n), not a rounded double — a JavaScript number stops being exact at F(79), and F(80) is where most web calculators quietly go wrong.
Weighted AverageEach value carries the weight you give it, with every item's share of the total shown as a percentage so you can see what is actually driving the answer.
PercentageSolve X% of Y, what percent X is of Y, reverse percentage, increase/decrease, discounts, and tax, tip, or commission.
FactorialFactorials with every digit exact — 100 factorial is 158 of them — plus the trailing-zero count derived from Legendre's formula and Stirling's error.
If the terms multiply instead of adding, the Geometric Sequence Calculator is the one — and if you have the terms but not the rule, the Nth Term Calculator works backwards from them.
Educational use disclaimer
This is an educational tool. The arithmetic is exact for whatever you enter; whether a real-world quantity really grows by a fixed amount each step is a modelling question the page cannot answer.
Published the arithmetic sequence page stating the n − 1 off-by-one on the page rather than leaving it to be discovered, since that single subtraction is where most wrong answers come from.
Terms and sums are carried as exact rationals, so a common difference of 0.1 gives exactly 4 at term 40 instead of the 3.9999999999999996 a double returns.
The recursive form is shown beside the closed one, because different courses teach different ones and the page should not assume which.
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