Tim explained a function in words and Paul wrote an equation. Tim The amount of money in a savings account increases at a rate of $225 per month. After eight months, the bank account has $4,580 in it. Paul yâÂ’1,400=56(x 26) Whose function has the smaller y-intercept? Tim’s with a y-intercept of $2,700 Paul’s with a y-intercept of $2,856 Paul’s with a y-intercept of $2,800 Tim’s with a y-intercept of $2,780.