After zero years (at the beginning) you have $85:
a(0) = 85
For each year that passes, the amount of money is multiplied by 1.085, and then $15 is added.
a(n) = 1.085 * a(n - 1) + 15
We get:
a(1) = 1.085 * a(0) +15 = 1.085 * 85 +15 = 107.225 ≈ 107.26
a(2) = 1.085 * 107.26 + 15 ≈ 131.34
And so forth until a(8) = ...