Do you need to memorize formulas for CFA level 1?

Asked by: Chaz Kub MD  |  Last update: July 16, 2026
Score: 4.6/5 (10 votes)

Yes, you must memorize key formulas for the CFA Level 1 exam, although understanding their application is more important than pure rote memorization. With over 100+ formulas in the curriculum, focusing on core concepts, practicing with flashcards, and mastering the calculator is crucial, as no formula sheet is provided during the exam.

Do you have to memorize formulas for CFA level 1?

A: Yes. The CFA exam does not provide formula sheets during the test, so candidates must memorize key formulas, especially in Quantitative Methods, Fixed Income, and Financial Reporting. Q3: How many math formulas are in CFA Level 1? A: There are over 100 essential formulas across different topics.

What formulas do you need to know for CFA level 1?

Key Formulas to Know for CFA Level 1

  • Time Value of Money (TVM) Formula. The Time Value of Money formula is one you'll see again and again. ...
  • Net Present Value (NPV) When you're valuing investments, you'll often use the Net Present Value (NPV) formula. ...
  • Holding Period Return (HPR)

Is 67% enough to pass CFA level 1?

The CFA Level 1 passing score is not fixed every year, but it usually stays between 65% and 70%. CFA Institute does not publish an official cut-off, but this range is considered the minimum benchmark to pass.

Is CFA level 1 harder than CA?

Is CFA tougher than CA? A: The CFA and CA (Chartered Accountant) qualifications have different focuses and challenges. While both are demanding, many find CA to be more rigorous due to its extensive practical training and exams.

How to Memorize Formulas | CFA Formula Memorization Strategy

16 related questions found

Is CFA level 1 actually hard?

CFA Level 1 is widely considered a very difficult exam due to its broad curriculum, demanding study commitment (often 300+ hours), challenging technical content, and typical ~40% pass rates, requiring strong discipline to learn and recall foundational finance concepts, though it's often seen as the most manageable of the three levels because it focuses on learning and describing rather than deep analysis. Success hinges on consistent study, mastering core topics like Ethics, FSA, and Investments, and effective exam technique, making it a significant hurdle for many. 

Can I put passed CFA level 1 on my resume?

Listing CFA Level One in the education section of the resume

Write "Chartered Financial Analyst." Include a hyphen and "Passed Level 1" next to it with the year you earned the qualification.

Is 3 months enough for CFA level 1 reddit?

3 months can be enough if you're disciplined and can actually put in 20–30 hrs a week. With a math/stats background you'll likely move faster through Quant and FI, so the key is drilling CFAI QBank, EOCs, and mocks once you cover the readings.

Is CFA level 1 math heavy?

However, let's put things into perspective: the CFA Level 1 exam is not a math test. The CFA Institute has made it clear that calculations will account for no more than 30% of the questions on the exam. To put it in numbers, that's a maximum of 54 out of the 180 questions.

Is 4 months enough to study for CFA level 1?

No, studying for any CFA exam in less than 6 months will not give you enough time to adequately prepare unless you have a relevant background in the curriculum. According to CFA Institute, candidates study on average 348 hours for the Level I exam, 364 hours for the Level II exam, and 365 hours for the Level III exam.

What is the fastest way to memorize formulas?

6 Techniques To Memorize Math Formulas Fast

  1. Create a Mental Image of the Formula. Visual images provide a fun, effective way to memorize complicated formulas. Here's a step-by-step breakdown of the learning process: ...
  2. Use a Mnemonic Device. A mnemonic device is any technique that can help you remember.

Is 3 months enough to study for CFA level 2?

Three months can be enough time, but typically it takes a candidate at least six months to prepare for the CFA Level 2 exam.

Which is the toughest subject in CFA level 1?

Financial Statement Analysis, or FSA, is often regarded by students to be the most challenging topic in CFA Level 1, not just because of the subject's difficulty but also because of how heavily weighted it is on the exam (13–17%).

Is it okay to fail CFA level 1?

Many successful CFA charterholders failed Level 1 once or more before eventually passing. You're in good company. Give yourself a day or two to sit with the disappointment, then get ready to rise.

Is CFA level 1 enough to get a job?

Yes, you can get a job once you clear CFA Level 1, as it shows your strong financial reporting, quantitative, corporate finance, and income-based skills to employers.

What's the average CFA salary?

CFA Charterholder vs.

MBAs are in a much broader field of careers than CFA Charterholders but where they do overlap can be in the fields of finance and management. Regardless, according CFA Institute, the average salary for a CFA is $180,000 and the average salary for an MBA is $107,000.

Is CFA harder than the bar?

CFA Exams Pass Rates

The CFA exams are perhaps the most challenging exams out there. They are often referred to as “bar none” the toughest exams—even harder than medical school or law school exams—with pass rates that hover around 50% and were much lower during the recent pandemic.

Can I say I passed CFA level 1?

If you are currently a candidate in the CFA Program:

Include your participation in the CFA Program in the education section of your resume. (For example: “CFA® Program participant, CFA Institute.”) You may also list the levels completed. (For example: “Completed Level I in 2020.”)

What topics are hardest on Level 1?

In-Depth Breakdown of the Most Difficult CFA Level 1 Topics & How to Tackle Them

  • Financial Reporting & Analysis (FRA) (15-20% weight)
  • Fixed Income (10-12% weight)
  • Ethics (15-20% weight)
  • Quantitative Methods (8-12% weight)
  • Derivatives (5-8% weight)
  • Portfolio Management (5-8% weight)

How many people fail CFA level 1?

CFA Level I Pass Rate Stays at 43% for November Test

Candidates who put off taking the test have a smaller likelihood of success. Those who took the Level I exam in November with at least one deferral saw a 29% pass rate, compared with 49% for first-time candidates, the CFA Institute said.