The formula to calculate the Reverse Savings (IS) is:
\[ IS = S - C \times F \]
Where:
Let's say the current savings (S) is $5,000, the contribution amount (C) is $200, and the contribution frequency (F) is 10. Using the formula:
\[ IS = 5000 - (200 \times 10) \]
We get:
\[ IS = 5000 - 2000 = 3000 \text{ dollars} \]
So, the initial savings is $3,000.