centenial birthday I think
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Take 21 from the current year if you have had your birthday, if you have yet to have your birthday in the current year take away 22
In 2012, you would have been born in 1990 if you have had your birthday this year. 1989 if you are 22 and haven't had a birthday yet this year.
Annual equivalent percentage rate.
On your birthday in any given year, add 2 to the last 2 digits of the year. You turn 15 on your birthday in 2013. You turn 16 on your birthday in 2014. You turn 17 on your birthday in 2015.
For any given year after 2000, your age on your birthday will be 11 more than the last two digits of the year, and one year less prior to your birthday. For example: In 2015, you would be 11 + 15 = 26 on your birthday. Before your birthday in 2015, you would be 25.