diff --git a/tmval/growth.py b/tmval/growth.py
index 81517eb..5b836c1 100644
--- a/tmval/growth.py
+++ b/tmval/growth.py
@@ -1,4 +1,5 @@
 import datetime as dt
+import numpy as np
 
 from typing import Callable
 
@@ -53,12 +54,32 @@ def effective_rate(
         )
         return effective_rate
 
+    def discount_interval(
+        self,
+        t1,
+        t2
+    ):
+
+        discount_rate = (self.val(t=t2) - self.val(t=t1)) / self.val(t=t2)
+        return discount_rate
+
+    def effective_discount(
+        self,
+        n
+    ):
+        t1 = n - 1
+        t2 = n
+        effective_discount = self.discount_interval(
+            t1=t1,
+            t2=t2
+        )
+        return effective_discount
+
     def get_accumulation(self):
-        k = self.k
         amt_func = self.func
 
         def acc_func(t):
-            return amt_func(t, k) / k
+            return amt_func(k=1, t=t)
 
         accumulation = Accumulation(f=acc_func)
         return accumulation
@@ -225,3 +246,113 @@ def __init__(
 
     def acc_func(self, t):
         return (1 + self.interest_rate) ** t
+
+
+def compound_solver(pv=None, fv=None, i=None, t=None):
+
+    args = [pv, fv, i, t]
+    if args.count(None) > 1:
+        raise Exception("Only one argument can be missing.")
+
+    if pv is None:
+        res = fv / ((1 + i) ** t)
+    elif fv is None:
+        res = pv * ((1 + i) ** t)
+    elif i is None:
+        res = ((fv / pv) ** (1 / t)) - 1
+    else:
+        res = np.log(fv / pv) / np.log(1 + i)
+
+    return res
+
+
+class TieredBal:
+    """
+    Tiered investment account
+    """
+    def __init__(
+        self,
+        tiers: list,
+        rates: list
+    ):
+        self.tiers = tiers
+        self.rates = rates
+
+    def __call__(
+        self,
+        k: float,
+        t: float
+    ):
+        # determine jump balances and rates
+        jump_balances = [i for i in self.tiers if i > k]
+        if len(jump_balances) == 0:
+            jump_rates = []
+        else:
+            jump_rates = self.rates[:len(self.rates) - 1]
+            jump_rates = jump_rates[-len(jump_balances):]
+
+        # determine jump times
+        jump_times = []
+        pv = k
+        t_base = 0
+        for fv, i in zip(jump_balances, jump_rates):
+            jump_increment = compound_solver(pv=pv, fv=fv, i=i)
+            jump_times.append(t_base + jump_increment)
+            t_base = t_base + jump_increment
+            pv = fv
+
+        # find applicable tiers
+        jump_times.insert(0, 0)
+        jump_rates = self.rates[-len(jump_times):]
+        jump_tiers = self.tiers[-len(jump_times):]
+
+        # construct growth function and calculate balance
+        index = len([i for i in jump_times if i <= t]) - 1
+        lower_t = jump_times[index]
+        base_amt = max(jump_tiers[index], k)
+        rate = jump_rates[index]
+        time = t - lower_t
+
+        bal = base_amt * ((1 + rate) ** time)
+
+        return bal
+
+
+class TieredTime:
+    """
+    Tiered time investment account. Interest varies with time.
+    """
+
+    def __init__(
+            self,
+            tiers: list,
+            rates: list
+    ):
+        self.tiers = tiers
+        self.rates = rates
+
+    def __call__(
+            self,
+            k: float,
+            t: float
+    ):
+        # find the cumulative tiers that apply at time t
+        jump_times = np.cumsum(self.tiers)
+        jump_times = [i for i in jump_times if i < t]
+
+        rates = self.rates[:len(jump_times)]
+        times = self.tiers[:len(jump_times)]
+        times.pop(0)
+        times.append(t - max(jump_times))
+
+        # for each tier that applies, calculate the cumulative balance
+        bal = k
+        for rate, time in zip(rates, times):
+            bal = bal * ((1 + rate) ** time)
+
+        return bal
+
+
+def k_solver(f: Callable, fv=None, t=None):
+    res = fv / f(t)
+    return res
\ No newline at end of file