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newn42040_appB.

qxd 1/5/04 10:52 AM Page 559

APPENDIX B

Compound Interest
Tables
Values of Interest Factors When N Equals Infinity
Single Payment:
(FP, i, ) =
(PF, i, ) = 0
Arithmetic Gradient Series:
(AG, i, ) = 1i
(PG, i, ) = 1i2

559

Uniform Payment Series:


(AF, i, ) = 0
(AP, i, ) = i
(FA, i, ) =
(PA, i, ) = 1i

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560

COMPOUND INTEREST TABLES

/4%

Compound Interest Factors


Single Payment

/4%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

1.003
1.005
1.008
1.010
1.013
1.015
1.018
1.020
1.023
1.025
1.028
1.030
1.033
1.036
1.038
1.041
1.043
1.046
1.049
1.051
1.054
1.056
1.059
1.062
1.064
1.067
1.070
1.072
1.075
1.078
1.094
1.105
1.127
1.133
1.139
1.162
1.191
1.197
1.221
1.233
1.252
1.271
1.284
1.297
1.349
1.821
2.457
3.315

.9975
.9950
.9925
.9901
.9876
.9851
.9827
.9802
.9778
.9753
.9729
.9705
.9681
.9656
.9632
.9608
.9584
.9561
.9537
.9513
.9489
.9465
.9442
.9418
.9395
.9371
.9348
.9325
.9301
.9278
.9140
.9049
.8871
.8826
.8782
.8609
.8396
.8355
.8189
.8108
.7987
.7869
.7790
.7713
.7411
.5492
.4070
.3016

1.0000
.4994
.3325
.2491
.1990
.1656
.1418
.1239
.1100
.0989
.0898
.0822
.0758
.0703
.0655
.0613
.0577
.0544
.0515
.0488
.0464
.0443
.0423
.0405
.0388
.0373
.0358
.0345
.0333
.0321
.0266
.0238
.0196
.0188
.0180
.0155
.0131
.0127
.0113
.0107
.00992
.00923
.00881
.00843
.00716
.00305
.00172
.00108

1.0025
.5019
.3350
.2516
.2015
.1681
.1443
.1264
.1125
.1014
.0923
.0847
.0783
.0728
.0680
.0638
.0602
.0569
.0540
.0513
.0489
.0468
.0448
.0430
.0413
.0398
.0383
.0370
.0358
.0346
.0291
.0263
.0221
.0213
.0205
.0180
.0156
.0152
.0138
.0132
.0124
.0117
.0113
.0109
.00966
.00555
.00422
.00358

1.000
2.003
3.008
4.015
5.025
6.038
7.053
8.070
9.091
10.113
11.139
12.167
13.197
14.230
15.266
16.304
17.344
18.388
19.434
20.482
21.534
22.587
23.644
24.703
25.765
26.829
27.896
28.966
30.038
31.114
37.621
42.014
50.932
53.189
55.458
64.647
76.395
78.780
88.440
93.343
100.789
108.349
113.451
118.605
139.743
328.306
582.745
926.074

0.998
1.993
2.985
3.975
4.963
5.948
6.931
7.911
8.889
9.864
10.837
11.807
12.775
13.741
14.704
15.665
16.624
17.580
18.533
19.485
20.434
21.380
22.324
23.266
24.206
25.143
26.078
27.010
27.940
28.868
34.387
38.020
45.179
46.947
48.705
55.653
64.144
65.817
72.427
75.682
80.504
85.255
88.383
91.480
103.563
180.312
237.191
279.343

0
0.504
1.005
1.501
1.998
2.498
2.995
3.490
3.987
4.483
4.978
5.474
5.968
6.464
6.957
7.451
7.944
8.437
8.929
9.421
9.912
10.404
10.894
11.384
11.874
12.363
12.852
13.341
13.828
14.317
17.234
19.171
23.025
23.984
24.941
28.755
33.485
34.426
38.173
40.037
42.820
45.588
47.425
49.256
56.512
107.590
152.894
192.673

0
1.005
2.999
5.966
9.916
14.861
20.755
27.611
35.440
44.216
53.950
64.634
76.244
88.826
102.301
116.716
132.063
148.319
165.492
183.559
202.531
222.435
243.212
264.854
287.407
310.848
335.150
360.343
386.366
413.302
592.632
728.882
1 040.22
1 125.96
1 214.76
1 600.31
2 147.87
2 265.81
2 764.74
3 030.06
3 447.19
3 886.62
4 191.60
4 505.93
5 852.52
19 399.75
36 264.96
53 821.93

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
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50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

newn42040_appB.qxd 1/5/04 10:52 AM Page 561

COMPOUND INTEREST TABLES


1

/2%

Compound Interest Factors


Single Payment

561
/2%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

1.005
1.010
1.015
1.020
1.025
1.030
1.036
1.041
1.046
1.051
1.056
1.062
1.067
1.072
1.078
1.083
1.088
1.094
1.099
1.105
1.110
1.116
1.122
1.127
1.133
1.138
1.144
1.150
1.156
1.161
1.197
1.221
1.270
1.283
1.296
1.349
1.418
1.432
1.490
1.520
1.567
1.614
1.647
1.680
1.819
3.310
6.023
10.957

.9950
.9901
.9851
.9802
.9754
.9705
.9657
.9609
.9561
.9513
.9466
.9419
.9372
.9326
.9279
.9233
.9187
.9141
.9096
.9051
.9006
.8961
.8916
.8872
.8828
.8784
.8740
.8697
.8653
.8610
.8356
.8191
.7871
.7793
.7716
.7414
.7053
.6983
.6710
.6577
.6383
.6195
.6073
.5953
.5496
.3021
.1660
.0913

1.0000
.4988
.3317
.2481
.1980
.1646
.1407
.1228
.1089
.0978
.0887
.0811
.0746
.0691
.0644
.0602
.0565
.0532
.0503
.0477
.0453
.0431
.0411
.0393
.0377
.0361
.0347
.0334
.0321
.0310
.0254
.0226
.0185
.0177
.0169
.0143
.0120
.0116
.0102
.00961
.00883
.00814
.00773
.00735
.00610
.00216
.00100
.00050

1.0050
.5038
.3367
.2531
.2030
.1696
.1457
.1278
.1139
.1028
.0937
.0861
.0796
.0741
.0694
.0652
.0615
.0582
.0553
.0527
.0503
.0481
.0461
.0443
.0427
.0411
.0397
.0384
.0371
.0360
.0304
.0276
.0235
.0227
.0219
.0193
.0170
.0166
.0152
.0146
.0138
.0131
.0127
.0124
.0111
.00716
.00600
.00550

1.000
2.005
3.015
4.030
5.050
6.076
7.106
8.141
9.182
10.228
11.279
12.336
13.397
14.464
15.537
16.614
17.697
18.786
19.880
20.979
22.084
23.194
24.310
25.432
26.559
27.692
28.830
29.975
31.124
32.280
39.336
44.159
54.098
56.645
59.218
69.770
83.566
86.409
98.068
104.074
113.311
122.829
129.334
135.970
163.880
462.041
1 004.5
1 991.5

0.995
1.985
2.970
3.951
4.926
5.896
6.862
7.823
8.779
9.730
10.677
11.619
12.556
13.489
14.417
15.340
16.259
17.173
18.082
18.987
19.888
20.784
21.676
22.563
23.446
24.324
25.198
26.068
26.933
27.794
32.871
36.172
42.580
44.143
45.690
51.726
58.939
60.340
65.802
68.453
72.331
76.095
78.543
80.942
90.074
139.581
166.792
181.748

0
0.499
0.996
1.494
1.990
2.486
2.980
3.474
3.967
4.459
4.950
5.441
5.931
6.419
6.907
7.394
7.880
8.366
8.850
9.334
9.817
10.300
10.781
11.261
11.741
12.220
12.698
13.175
13.651
14.127
16.962
18.836
22.544
23.463
24.378
28.007
32.468
33.351
36.848
38.576
41.145
43.685
45.361
47.025
53.551
96.113
128.324
151.795

0
0.991
2.959
5.903
9.803
14.660
20.448
27.178
34.825
43.389
52.855
63.218
74.465
86.590
99.574
113.427
128.125
143.668
160.037
177.237
195.245
214.070
233.680
254.088
275.273
297.233
319.955
343.439
367.672
392.640
557.564
681.341
959.928
1 035.70
1 113.82
1 448.65
1 913.65
2 012.35
2 424.65
2 640.67
2 976.08
3 324.19
3 562.80
3 806.29
4 823.52
13 415.56
21 403.32
27 588.37

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
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50
52
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70
72
80
84
90
96
100
104
120
240
360
480

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562

COMPOUND INTEREST TABLES

/4%

Compound Interest Factors


Single Payment

/4%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

1.008
1.015
1.023
1.030
1.038
1.046
1.054
1.062
1.070
1.078
1.086
1.094
1.102
1.110
1.119
1.127
1.135
1.144
1.153
1.161
1.170
1.179
1.188
1.196
1.205
1.214
1.224
1.233
1.242
1.251
1.309
1.348
1.431
1.453
1.475
1.566
1.687
1.713
1.818
1.873
1.959
2.049
2.111
2.175
2.451
6.009
14.731
36.111

.9926
.9852
.9778
.9706
.9633
.9562
.9490
.9420
.9350
.9280
.9211
.9142
.9074
.9007
.8940
.8873
.8807
.8742
.8676
.8612
.8548
.8484
.8421
.8358
.8296
.8234
.8173
.8112
.8052
.7992
.7641
.7416
.6986
.6882
.6780
.6387
.5927
.5839
.5500
.5338
.5104
.4881
.4737
.4597
.4079
.1664
.0679
.0277

1.0000
.4981
.3308
.2472
.1970
.1636
.1397
.1218
.1078
.0967
.0876
.0800
.0735
.0680
.0632
.0591
.0554
.0521
.0492
.0465
.0441
.0420
.0400
.0382
.0365
.0350
.0336
.0322
.0310
.0298
.0243
.0215
.0174
.0166
.0158
.0133
.0109
.0105
.00917
.00859
.00782
.00715
.00675
.00638
.00517
.00150
.00055
.00021

1.0075
.5056
.3383
.2547
.2045
.1711
.1472
.1293
.1153
.1042
.0951
.0875
.0810
.0755
.0707
.0666
.0629
.0596
.0567
.0540
.0516
.0495
.0475
.0457
.0440
.0425
.0411
.0397
.0385
.0373
.0318
.0290
.0249
.0241
.0233
.0208
.0184
.0180
.0167
.0161
.0153
.0147
.0143
.0139
.0127
.00900
.00805
.00771

1.000
2.008
3.023
4.045
5.076
6.114
7.160
8.213
9.275
10.344
11.422
12.508
13.602
14.704
15.814
16.932
18.059
19.195
20.339
21.491
22.653
23.823
25.001
26.189
27.385
28.591
29.805
31.029
32.261
33.503
41.153
46.447
57.521
60.395
63.312
75.425
91.621
95.008
109.074
116.428
127.881
139.858
148.147
156.687
193.517
667.901
1 830.8
4 681.5

0.993
1.978
2.956
3.926
4.889
5.846
6.795
7.737
8.672
9.600
10.521
11.435
12.342
13.243
14.137
15.024
15.905
16.779
17.647
18.508
19.363
20.211
21.053
21.889
22.719
23.542
24.360
25.171
25.976
26.775
31.447
34.447
40.185
41.567
42.928
48.174
54.305
55.477
59.995
62.154
65.275
68.259
70.175
72.035
78.942
111.145
124.282
129.641

0
0.499
0.996
1.492
1.986
2.479
2.971
3.462
3.951
4.440
4.927
5.412
5.897
6.380
6.862
7.343
7.822
8.300
8.777
9.253
9.727
10.201
10.673
11.143
11.613
12.081
12.548
13.014
13.479
13.942
16.696
18.507
22.070
22.949
23.822
27.268
31.465
32.289
35.540
37.137
39.496
41.812
43.332
44.834
50.653
85.422
107.115
119.662

0
0.987
2.943
5.857
9.712
14.494
20.187
26.785
34.265
42.619
51.831
61.889
72.779
84.491
97.005
110.318
124.410
139.273
154.891
171.254
188.352
206.170
224.695
243.924
263.834
284.421
305.672
327.576
350.122
373.302
525.038
637.519
886.899
953.911
1 022.64
1 313.59
1 708.68
1 791.33
2 132.23
2 308.22
2 578.09
2 854.04
3 040.85
3 229.60
3 998.68
9 494.26
13 312.50
15 513.16

1
2
3
4
5
6
7
8
9
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11
12
13
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16
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19
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360
480

newn42040_appB.qxd 1/5/04 10:52 AM Page 563

COMPOUND INTEREST TABLES


1%

Compound Interest Factors


Single Payment

563
1%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
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25
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28
29
30
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

1.010
1.020
1.030
1.041
1.051
1.062
1.072
1.083
1.094
1.105
1.116
1.127
1.138
1.149
1.161
1.173
1.184
1.196
1.208
1.220
1.232
1.245
1.257
1.270
1.282
1.295
1.308
1.321
1.335
1.348
1.431
1.489
1.612
1.645
1.678
1.817
2.007
2.047
2.217
2.307
2.449
2.599
2.705
2.815
3.300
10.893
35.950
118.648

.9901
.9803
.9706
.9610
.9515
.9420
.9327
.9235
.9143
.9053
.8963
.8874
.8787
.8700
.8613
.8528
.8444
.8360
.8277
.8195
.8114
.8034
.7954
.7876
.7798
.7720
.7644
.7568
.7493
.7419
.6989
.6717
.6203
.6080
.5961
.5504
.4983
.4885
.4511
.4335
.4084
.3847
.3697
.3553
.3030
.0918
.0278
.00843

1.0000
.4975
.3300
.2463
.1960
.1625
.1386
.1207
.1067
.0956
.0865
.0788
.0724
.0669
.0621
.0579
.0543
.0510
.0481
.0454
.0430
.0409
.0389
.0371
.0354
.0339
.0324
.0311
.0299
.0287
.0232
.0205
.0163
.0155
.0148
.0122
.00993
.00955
.00822
.00765
.00690
.00625
.00587
.00551
.00435
.00101
.00029
.00008

1.0100
.5075
.3400
.2563
.2060
.1725
.1486
.1307
.1167
.1056
.0965
.0888
.0824
.0769
.0721
.0679
.0643
.0610
.0581
.0554
.0530
.0509
.0489
.0471
.0454
.0439
.0424
.0411
.0399
.0387
.0332
.0305
.0263
.0255
.0248
.0222
.0199
.0196
.0182
.0177
.0169
.0163
.0159
.0155
.0143
.0110
.0103
.0101

1.000
2.010
3.030
4.060
5.101
6.152
7.214
8.286
9.369
10.462
11.567
12.682
13.809
14.947
16.097
17.258
18.430
19.615
20.811
22.019
23.239
24.472
25.716
26.973
28.243
29.526
30.821
32.129
33.450
34.785
43.077
48.886
61.223
64.463
67.769
81.670
100.676
104.710
121.671
130.672
144.863
159.927
170.481
181.464
230.039
989.254
3 495.0
11 764.8

0.990
1.970
2.941
3.902
4.853
5.795
6.728
7.652
8.566
9.471
10.368
11.255
12.134
13.004
13.865
14.718
15.562
16.398
17.226
18.046
18.857
19.660
20.456
21.243
22.023
22.795
23.560
24.316
25.066
25.808
30.107
32.835
37.974
39.196
40.394
44.955
50.168
51.150
54.888
56.648
59.161
61.528
63.029
64.471
69.701
90.819
97.218
99.157

0
0.498
0.993
1.488
1.980
2.471
2.960
3.448
3.934
4.418
4.900
5.381
5.861
6.338
6.814
7.289
7.761
8.232
8.702
9.169
9.635
10.100
10.563
11.024
11.483
11.941
12.397
12.852
13.304
13.756
16.428
18.178
21.598
22.436
23.269
26.533
30.470
31.239
34.249
35.717
37.872
39.973
41.343
42.688
47.835
75.739
89.699
95.920

0
0.980
2.921
5.804
9.610
14.320
19.917
26.381
33.695
41.843
50.806
60.568
71.112
82.422
94.481
107.273
120.783
134.995
149.895
165.465
181.694
198.565
216.065
234.179
252.892
272.195
292.069
312.504
333.486
355.001
494.620
596.854
820.144
879.417
939.916
1 192.80
1 528.64
1 597.86
1 879.87
2 023.31
2 240.56
2 459.42
2 605.77
2 752.17
3 334.11
6 878.59
8 720.43
9 511.15

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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564

COMPOUND INTEREST TABLES

1 1/4%

1 1/4%

Compound Interest Factors


Single Payment

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

1.013
1.025
1.038
1.051
1.064
1.077
1.091
1.104
1.118
1.132
1.146
1.161
1.175
1.190
1.205
1.220
1.235
1.251
1.266
1.282
1.298
1.314
1.331
1.347
1.364
1.381
1.399
1.416
1.434
1.452
1.564
1.644
1.845
1.861
1.908
2.107
2.386
2.446
2.701
2.839
3.059
3.296
3.463
3.640
4.440
19.716
87.543
388.713

.9877
.9755
.9634
.9515
.9398
.9282
.9167
.9054
.8942
.8832
.8723
.8615
.8509
.8404
.8300
.8197
.8096
.7996
.7898
.7800
.7704
.7609
.7515
.7422
.7330
.7240
.7150
.7062
.6975
.6889
.6394
.6084
.5509
.5373
.5242
.4746
.4191
.4088
.3702
.3522
.3269
.3034
.2887
.2747
.2252
.0507
.0114
.00257

1.0000
.4969
.3292
.2454
.1951
.1615
.1376
.1196
.1057
.0945
.0854
.0778
.0713
.0658
.0610
.0568
.0532
.0499
.0470
.0443
.0419
.0398
.0378
.0360
.0343
.0328
.0314
.0300
.0288
.0277
.0222
.0194
.0153
.0145
.0138
.0113
.00902
.00864
.00735
.00680
.00607
.00545
.00507
.00474
.00363
.00067
.00014
.00003

1.0125
.5094
.3417
.2579
.2076
.1740
.1501
.1321
.1182
.1070
.0979
.0903
.0838
.0783
.0735
.0693
.0657
.0624
.0595
.0568
.0544
.0523
.0503
.0485
.0468
.0453
.0439
.0425
.0413
.0402
.0347
.0319
.0278
.0270
.0263
.0238
.0215
.0211
.0198
.0193
.0186
.0179
.0176
.0172
.0161
.0132
.0126
.0125

1.000
2.013
3.038
4.076
5.127
6.191
7.268
8.359
9.463
10.582
11.714
12.860
14.021
15.196
16.386
17.591
18.811
20.046
21.297
22.563
23.845
25.143
26.458
27.788
29.136
30.500
31.881
32.280
34.696
36.129
45.116
51.490
65.229
68.882
72.628
88.575
110.873
115.675
136.120
147.130
164.706
183.643
197.074
211.190
275.220
1 497.3
6 923.4
31 017.1

0.988
1.963
2.927
3.878
4.818
5.746
6.663
7.568
8.462
9.346
10.218
11.079
11.930
12.771
13.601
14.420
15.230
16.030
16.849
17.599
18.370
19.131
19.882
20.624
21.357
22.081
22.796
23.503
24.200
24.889
28.847
31.327
35.932
37.013
38.068
42.035
46.470
47.293
50.387
51.822
53.846
55.725
56.901
58.021
61.983
75.942
79.086
79.794

0
0.497
0.992
1.485
1.976
2.464
2.951
3.435
3.918
4.398
4.876
5.352
5.827
6.299
6.769
7.237
7.702
8.166
8.628
9.088
9.545
10.001
10.455
10.906
11.355
11.803
12.248
12.691
13.133
13.572
16.164
17.852
21.130
21.930
22.722
25.809
29.492
30.205
32.983
34.326
36.286
38.180
39.406
40.604
45.119
67.177
75.840
78.762

0
0.976
2.904
5.759
9.518
14.160
19.660
25.998
33.152
41.101
49.825
59.302
69.513
80.438
92.058
104.355
117.309
130.903
145.119
159.940
175.348
191.327
207.859
224.930
242.523
260.623
279.215
298.284
317.814
337.792
466.297
559.247
759.248
811.692
864.960
1 084.86
1 370.47
1 428.48
1 661.89
1 778.86
1 953.85
2 127.55
2 242.26
2 355.90
2 796.59
5 101.55
5 997.91
6 284.74

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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COMPOUND INTEREST TABLES


1 1/2%

1 1/2%

Compound Interest Factors


Single Payment

565

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

1.015
1.030
1.046
1.061
1.077
1.093
1.110
1.126
1.143
1.161
1.178
1.196
1.214
1.232
1.250
1.269
1.288
1.307
1.327
1.347
1.367
1.388
1.408
1.430
1.451
1.473
1.495
1.517
1.540
1.563
1.709
1.814
2.043
2.105
2.169
2.443
2.835
2.921
3.291
3.493
3.819
4.176
4.432
4.704
5.969
35.632
212.700
1 269.7

.9852
.9707
.9563
.9422
.9283
.9145
.9010
.8877
.8746
.8617
.8489
.8364
.8240
.8118
.7999
.7880
.7764
.7649
.7536
.7425
.7315
.7207
.7100
.6995
.6892
.6790
.6690
.6591
.6494
.6398
.5851
.5513
.4894
.4750
.4611
.4093
.3527
.3423
.3039
.2863
.2619
.2395
.2256
.2126
.1675
.0281
.00470
.00079

1.0000
.4963
.3284
.2444
.1941
.1605
.1366
.1186
.1046
.0934
.0843
.0767
.0702
.0647
.0599
.0558
.0521
.0488
.0459
.0432
.0409
.0387
.0367
.0349
.0333
.0317
.0303
.0290
.0278
.0266
.0212
.0184
.0144
.0136
.0128
.0104
.00817
.00781
.00655
.00602
.00532
.00472
.00437
.00405
.00302
.00043
.00007
.00001

1.0150
.5113
.3434
.2594
.2091
.1755
.1516
.1336
.1196
.1084
.0993
.0917
.0852
.0797
.0749
.0708
.0671
.0638
.0609
.0582
.0559
.0537
.0517
.0499
.0483
.0467
.0453
.0440
.0428
.0416
.0362
.0334
.0294
.0286
.0278
.0254
.0232
.0228
.0215
.0210
.0203
.0197
.0194
.0190
.0180
.0154
.0151
.0150

1.000
2.015
3.045
4.091
5.152
6.230
7.323
8.433
9.559
10.703
11.863
13.041
14.237
15.450
16.682
17.932
19.201
20.489
21.797
23.124
24.470
25.837
27.225
28.633
30.063
31.514
32.987
34.481
35.999
37.539
47.276
54.268
69.565
73.682
77.925
96.214
122.363
128.076
152.710
166.172
187.929
211.719
228.802
246.932
331.286
2 308.8
14 113.3
84 577.8

0.985
1.956
2.912
3.854
4.783
5.697
6.598
7.486
8.360
9.222
10.071
10.907
11.731
12.543
13.343
14.131
14.908
15.673
16.426
17.169
17.900
18.621
19.331
20.030
20.720
21.399
22.068
22.727
23.376
24.016
27.661
29.916
34.042
35.000
35.929
39.380
43.155
43.845
46.407
47.579
49.210
50.702
51.625
52.494
55.498
64.796
66.353
66.614

0
0.496
0.990
1.481
1.970
2.456
2.940
3.422
3.901
4.377
4.851
5.322
5.791
6.258
6.722
7.184
7.643
8.100
8.554
9.005
9.455
9.902
10.346
10.788
11.227
11.664
12.099
12.531
12.961
13.388
15.901
17.528
20.666
21.428
22.179
25.093
28.529
29.189
31.742
32.967
34.740
36.438
37.529
38.589
42.518
59.737
64.966
66.288

0
0.970
2.883
5.709
9.422
13.994
19.400
25.614
32.610
40.365
48.855
58.054
67.943
78.496
89.694
101.514
113.937
126.940
140.505
154.611
169.241
184.375
199.996
216.085
232.626
249.601
266.995
284.790
302.972
321.525
439.823
524.349
703.537
749.955
796.868
988.157
1 231.15
1 279.78
1 473.06
1 568.50
1 709.53
1 847.46
1 937.43
2 025.69
2 359.69
3 870.68
4 310.71
4 415.74

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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566

COMPOUND INTEREST TABLES

1 3/4%

1 3/4%

Compound Interest Factors


Single Payment

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

1.018
1.035
1.053
1.072
1.091
1.110
1.129
1.149
1.169
1.189
1.210
1.231
1.253
1.275
1.297
1.320
1.343
1.367
1.390
1.415
1.440
1.465
1.490
1.516
1.543
1.570
1.597
1.625
1.654
1.683
1.867
2.002
2.300
2.381
2.465
2.832
3.368
3.487
4.006
4.294
4.765
5.288
5.668
6.075
8.019
64.308
515.702
4 135.5

.9828
.9659
.9493
.9330
.9169
.9011
.8856
.8704
.8554
.8407
.8263
.8121
.7981
.7844
.7709
.7576
.7446
.7318
.7192
.7068
.6947
.6827
.6710
.6594
.6481
.6369
.6260
.6152
.6046
.5942
.5355
.4996
.4349
.4200
.4057
.3531
.2969
.2868
.2496
.2329
.2098
.1891
.1764
.1646
.1247
.0156
.00194
.00024

1.0000
.4957
.3276
.2435
.1931
.1595
.1355
.1175
.1036
.0924
.0832
.0756
.0692
.0637
.0589
.0547
.0510
.0477
.0448
.0422
.0398
.0377
.0357
.0339
.0322
.0307
.0293
.0280
.0268
.0256
.0202
.0175
.0135
.0127
.0119
.00955
.00739
.00704
.00582
.00531
.00465
.00408
.00375
.00345
.00249
.00028
.00003

1.0175
.5132
.3451
.2610
.2106
.1770
.1530
.1350
.1211
.1099
.1007
.0931
.0867
.0812
.0764
.0722
.0685
.0652
.0623
.0597
.0573
.0552
.0532
.0514
.0497
.0482
.0468
.0455
.0443
.0431
.0377
.0350
.0310
.0302
.0294
.0271
.0249
.0245
.0233
.0228
.0221
.0216
.0212
.0209
.0200
.0178
.0175
.0175

1.000
2.018
3.053
4.106
5.178
6.269
7.378
8.508
9.656
10.825
12.015`
13.225
14.457
15.710
16.985
18.282
19.602
20.945
22.311
23.702
25.116
26.556
28.021
29.511
31.028
32.571
34.141
35.738
37.363
39.017
49.566
57.234
74.263
78.903
83.706
104.676
135.331
142.127
171.795
188.246
215.166
245.039
266.753
290.028
401.099
3 617.6
29 411.5
236 259.0

0.983
1.949
2.898
3.831
4.748
5.649
6.535
7.405
8.261
9.101
9.928
10.740
11.538
12.322
13.093
13.851
14.595
15.327
16.046
16.753
17.448
18.130
18.801
19.461
20.109
20.746
21.372
21.987
22.592
23.186
26.543
28.594
32.294
33.141
33.960
36.964
40.178
40.757
42.880
43.836
45.152
46.337
47.062
47.737
50.017
56.254
57.032
57.129

0
0.496
0.989
1.478
1.965
2.450
2.931
3.409
3.885
4.357
4.827
5.294
5.758
6.219
6.677
7.132
7.584
8.034
8.481
8.924
9.365
9.804
10.239
10.671
11.101
11.528
11.952
12.373
12.791
13.206
15.640
17.207
20.209
20.932
21.644
24.389
27.586
28.195
30.533
31.644
33.241
34.756
35.721
36.652
40.047
53.352
56.443
57.027

0
0.966
2.865
5.664
9.332
13.837
19.152
25.245
32.088
39.655
47.918
56.851
66.428
76.625
87.417
98.782
110.695
123.136
136.081
149.511
163.405
177.742
192.503
207.671
223.225
239.149
255.425
272.036
288.967
306.200
415.130
492.017
652.612
693.708
735.039
901.503
1 108.34
1 149.12
1 309.25
1 387.16
1 500.88
1 610.48
1 681.09
1 749.68
2 003.03
3 001.27
3 219.08
3 257.88

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
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50
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70
72
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84
90
96
100
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COMPOUND INTEREST TABLES


2%

Compound Interest Factors


Single Payment

567
2%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

1.020
1.040
1.061
1.082
1.104
1.126
1.149
1.172
1.195
1.219
1.243
1.268
1.294
1.319
1.346
1.373
1.400
1.428
1.457
1.486
1.516
1.546
1.577
1.608
1.641
1.673
1.707
1.741
1.776
1.811
2.040
2.208
2.587
2.692
2.800
3.281
4.000
4.161
4.875
5.277
5.943
6.693
7.245
7.842
10.765
115.887
1 247.5
13 429.8

.9804
.9612
.9423
.9238
.9057
.8880
.8706
.8535
.8368
.8203
.8043
.7885
.7730
.7579
.7430
.7284
.7142
.7002
.6864
.6730
.6598
.6468
.6342
.6217
.6095
.5976
.5859
.5744
.5631
.5521
.4902
.4529
.3865
.3715
.3571
.3048
.2500
.2403
.2051
.1895
.1683
.1494
.1380
.1275
.0929
.00863
.00080
.00007

1.0000
.4951
.3268
.2426
.1922
.1585
.1345
.1165
.1025
.0913
.0822
.0746
.0681
.0626
.0578
.0537
.0500
.0467
.0438
.0412
.0388
.0366
.0347
.0329
.0312
.0297
.0283
.0270
.0258
.0247
.0192
.0166
.0126
.0118
.0111
.00877
.00667
.00633
.00516
.00468
.00405
.00351
.00320
.00292
.00205
.00017
.00002

1.0200
.5151
.3468
.2626
.2122
.1785
.1545
.1365
.1225
.1113
.1022
.0946
.0881
.0826
.0778
.0737
.0700
.0667
.0638
.0612
.0588
.0566
.0547
.0529
.0512
.0497
.0483
.0470
.0458
.0447
.0392
.0366
.0326
.0318
.0311
.0288
.0267
.0263
.0252
.0247
.0240
.0235
.0232
.0229
.0220
.0202
.0200
.0200

1.000
2.020
3.060
4.122
5.204
6.308
7.434
8.583
9.755
10.950
12.169
13.412
14.680
15.974
17.293
18.639
20.012
21.412
22.840
24.297
25.783
27.299
28.845
30.422
32.030
33.671
35.344
37.051
38.792
40.568
51.994
60.402
79.353
84.579
90.016
114.051
149.977
158.056
193.771
213.865
247.155
284.645
312.230
342.090
488.255
5 744.4
62 326.8
671 442.0

0.980
1.942
2.884
3.808
4.713
5.601
6.472
7.325
8.162
8.983
9.787
10.575
11.348
12.106
12.849
13.578
14.292
14.992
15.678
16.351
17.011
17.658
18.292
18.914
19.523
20.121
20.707
21.281
21.844
22.396
25.489
27.355
30.673
31.424
32.145
34.761
37.499
37.984
39.744
40.525
41.587
42.529
43.098
43.624
45.355
49.569
49.960
49.996

0
0.495
0.987
1.475
1.960
2.442
2.921
3.396
3.868
4.337
4.802
5.264
5.723
6.178
6.631
7.080
7.526
7.968
8.407
8.843
9.276
9.705
10.132
10.555
10.974
11.391
11.804
12.214
12.621
13.025
15.381
16.888
19.755
20.442
21.116
23.696
26.663
27.223
29.357
30.361
31.793
33.137
33.986
34.799
37.711
47.911
49.711
49.964

0
0.961
2.846
5.617
9.240
13.679
18.903
24.877
31.571
38.954
46.996
55.669
64.946
74.798
85.200
96.127
107.553
119.456
131.812
144.598
157.793
171.377
185.328
199.628
214.256
229.196
244.428
259.936
275.703
291.713
392.036
461.989
605.961
642.355
678.779
823.692
999.829
1 034.050
1 166.781
1 230.413
1 322.164
1 409.291
1 464.747
1 518.082
1 710.411
2 374.878
2 483.567
2 498.027

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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50
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568

COMPOUND INTEREST TABLES

2 1/2%

2 1/2%

Compound Interest Factors


Single Payment

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.025
1.051
1.077
1.104
1.131
1.160
1.189
1.218
1.249
1.280
1.312
1.345
1.379
1.413
1.448
1.485
1.522
1.560
1.599
1.639
1.680
1.722
1.765
1.809
1.854
1.900
1.948
1.996
2.046
2.098
2.150
2.204
2.259
2.315
2.373
2.685
3.038
3.437
3.889
4.400
4.978
5.632
6.372
7.210
8.157
9.229
10.442
11.814

.9756
.9518
.9286
.9060
.8839
.8623
.8413
.8207
.8007
.7812
.7621
.7436
.7254
.7077
.6905
.6736
.6572
.6412
.6255
.6103
.5954
.5809
.5667
.5529
.5394
.5262
.5134
.5009
.4887
.4767
.4651
.4538
.4427
.4319
.4214
.3724
.3292
.2909
.2572
.2273
.2009
.1776
.1569
.1387
.1226
.1084
.0958
.0846

1.0000
.4938
.3251
.2408
.1902
.1566
.1325
.1145
.1005
.0893
.0801
.0725
.0660
.0605
.0558
.0516
.0479
.0447
.0418
.0391
.0368
.0346
.0327
.0309
.0293
.0278
.0264
.0251
.0239
.0228
.0217
.0208
.0199
.0190
.0182
.0148
.0123
.0103
.00865
.00735
.00628
.00540
.00465
.00403
.00349
.00304
.00265
.00231

1.0250
.5188
.3501
.2658
.2152
.1816
.1575
.1395
.1255
.1143
.1051
.0975
.0910
.0855
.0808
.0766
.0729
.0697
.0668
.0641
.0618
.0596
.0577
.0559
.0543
.0528
.0514
.0501
.0489
.0478
.0467
.0458
.0449
.0440
.0432
.0398
.0373
.0353
.0337
.0324
.0313
.0304
.0297
.0290
.0285
.0280
.0276
.0273

1.000
2.025
3.076
4.153
5.256
6.388
7.547
8.736
9.955
11.203
12.483
13.796
15.140
16.519
17.932
19.380
20.865
22.386
23.946
25.545
27.183
28.863
30.584
32.349
34.158
36.012
37.912
39.860
41.856
43.903
46.000
48.150
50.354
52.613
54.928
67.402
81.516
97.484
115.551
135.991
159.118
185.284
214.888
248.382
286.278
329.154
377.663
432.548

0.976
1.927
2.856
3.762
4.646
5.508
6.349
7.170
7.971
8.752
9.514
10.258
10.983
11.691
12.381
13.055
13.712
14.353
14.979
15.589
16.185
16.765
17.332
17.885
18.424
18.951
19.464
19.965
20.454
20.930
21.395
24.849
22.292
22.724
23.145
25.103
26.833
28.362
29.714
30.909
31.965
32.898
33.723
34.452
35.096
35.666
36.169
36.614

0
0.494
0.984
1.469
1.951
2.428
2.901
3.370
3.835
4.296
4.753
5.206
5.655
6.100
6.540
6.977
7.409
7.838
8.262
8.682
9.099
9.511
9.919
10.324
10.724
11.120
11.513
11.901
12.286
12.667
13.044
13.417
13.786
14.151
14.512
16.262
17.918
19.484
20.961
22.352
23.660
24.888
26.039
27.117
28.123
29.063
29.938
30.752

0
0.952
2.809
5.527
9.062
13.374
18.421
24.166
30.572
37.603
45.224
53.403
62.108
71.309
80.975
91.080
101.595
112.495
123.754
135.349
147.257
159.455
171.922
184.638
197.584
210.740
224.088
237.612
251.294
265.120
279.073
293.140
307.306
321.559
335.886
408.221
480.806
552.607
622.827
690.865
756.280
818.763
878.114
934.217
987.026
1 036.54
1 082.83
1 125.97

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
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33
34
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45
50
55
60
65
70
75
80
85
90
95
100

newn42040_appB.qxd 1/5/04 10:52 AM Page 569

COMPOUND INTEREST TABLES


3%

Compound Interest Factors


Single Payment

569
3%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.030
1.061
1.093
1.126
1.159
1.194
1.230
1.267
1.305
1.344
1.384
1.426
1.469
1.513
1.558
1.605
1.653
1.702
1.754
1.806
1.860
1.916
1.974
2.033
2.094
2.157
2.221
2.288
2.357
2.427
2.500
2.575
2.652
2.732
2.814
3.262
3.782
4.384
5.082
5.892
6.830
7.918
9.179
10.641
12.336
14.300
16.578
19.219

.9709
.9426
.9151
.8885
.8626
.8375
.8131
.7894
.7664
.7441
.7224
.7014
.6810
.6611
.6419
.6232
.6050
.5874
.5703
.5537
.5375
.5219
.5067
.4919
.4776
.4637
.4502
.4371
.4243
.4120
.4000
.3883
.3770
.3660
.3554
.3066
.2644
.2281
.1968
.1697
.1464
.1263
.1089
.0940
.0811
.0699
.0603
.0520

1.0000
.4926
.3235
.2390
.1884
.1546
.1305
.1125
.0984
.0872
.0781
.0705
.0640
.0585
.0538
.0496
.0460
.0427
.0398
.0372
.0349
.0327
.0308
.0290
.0274
.0259
.0246
.0233
.0221
.0210
.0200
.0190
.0182
.0173
.0165
.0133
.0108
.00887
.00735
.00613
.00515
.00434
.00367
.00311
.00265
.00226
.00193
.00165

1.0300
.5226
.3535
.2690
.2184
.1846
.1605
.1425
.1284
.1172
.1081
.1005
.0940
.0885
.0838
.0796
.0760
.0727
.0698
.0672
.0649
.0627
.0608
.0590
.0574
.0559
.0546
.0533
.0521
.0510
.0500
.0490
.0482
.0473
.0465
.0433
.0408
.0389
.0373
.0361
.0351
.0343
.0337
.0331
.0326
.0323
.0319
.0316

1.000
2.030
3.091
4.184
5.309
6.468
7.662
8.892
10.159
11.464
12.808
14.192
15.618
17.086
18.599
20.157
21.762
23.414
25.117
26.870
28.676
30.537
32.453
34.426
36.459
38.553
40.710
42.931
45.219
47.575
50.003
52.503
55.078
57.730
60.462
75.401
92.720
112.797
136.072
163.053
194.333
230.594
272.631
321.363
377.857
443.349
519.272
607.287

0.971
1.913
2.829
3.717
4.580
5.417
6.230
7.020
7.786
8.530
9.253
9.954
10.635
11.296
11.938
12.561
13.166
13.754
14.324
14.877
15.415
15.937
16.444
16.936
17.413
17.877
18.327
18.764
19.188
19.600
20.000
20.389
20.766
21.132
21.487
23.115
24.519
25.730
26.774
27.676
28.453
29.123
29.702
30.201
30.631
31.002
31.323
31.599

0
0.493
0.980
1.463
1.941
2.414
2.882
3.345
3.803
4.256
4.705
5.148
5.587
6.021
6.450
6.874
7.294
7.708
8.118
8.523
8.923
9.319
9.709
10.095
10.477
10.853
11.226
11.593
11.956
12.314
12.668
13.017
13.362
13.702
14.037
15.650
17.156
18.558
19.860
21.067
22.184
23.215
24.163
25.035
25.835
26.567
27.235
27.844

0
0.943
2.773
5.438
8.889
13.076
17.955
23.481
29.612
36.309
43.533
51.248
59.419
68.014
77.000
86.348
96.028
106.014
116.279
126.799
137.549
148.509
159.656
170.971
182.433
194.026
205.731
217.532
229.413
241.361
253.361
265.399
277.464
289.544
301.627
361.750
420.632
477.480
531.741
583.052
631.201
676.087
717.698
756.086
791.353
823.630
853.074
879.854

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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570

COMPOUND INTEREST TABLES

3 1/2%

3 1/2%

Compound Interest Factors


Single Payment

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.035
1.071
1.109
1.148
1.188
1.229
1.272
1.317
1.363
1.411
1.460
1.511
1.564
1.619
1.675
1.734
1.795
1.857
1.922
1.990
2.059
2.132
2.206
2.283
2.363
2.446
2.532
2.620
2.712
2.807
2.905
3.007
3.112
3.221
3.334
3.959
4.702
5.585
6.633
7.878
9.357
11.113
13.199
15.676
18.618
22.112
26.262
31.191

.9662
.9335
.9019
.8714
.8420
.8135
.7860
.7594
.7337
.7089
.6849
.6618
.6394
.6178
.5969
.5767
.5572
.5384
.5202
.5026
.4856
.4692
.4533
.4380
.4231
.4088
.3950
.3817
.3687
.3563
.3442
.3326
.3213
.3105
.3000
.2526
.2127
.1791
.1508
.1269
.1069
.0900
.0758
.0638
.0537
.0452
.0381
.0321

1.0000
.4914
.3219
.2373
.1865
.1527
.1285
.1105
.0964
.0852
.0761
.0685
.0621
.0566
.0518
.0477
.0440
.0408
.0379
.0354
.0330
.0309
.0290
.0273
.0257
.0242
.0229
.0216
.0204
.0194
.0184
.0174
.0166
.0158
.0150
.0118
.00945
.00763
.00621
.00509
.00419
.00346
.00287
.00238
.00199
.00166
.00139
.00116

1.0350
.5264
.3569
.2723
.2215
.1877
.1635
.1455
.1314
.1202
.1111
.1035
.0971
.0916
.0868
.0827
.0790
.0758
.0729
.0704
.0680
.0659
.0640
.0623
.0607
.0592
.0579
.0566
.0554
.0544
.0534
.0524
.0516
.0508
.0500
.0468
.0445
.0426
.0412
.0401
.0392
.0385
.0379
.0374
.0370
.0367
.0364
.0362

1.000
2.035
3.106
4.215
5.362
6.550
7.779
9.052
10.368
11.731
13.142
14.602
16.113
17.677
19.296
20.971
22.705
24.500
26.357
28.280
30.269
32.329
34.460
36.666
38.950
41.313
43.759
46.291
48.911
51.623
54.429
57.334
60.341
63.453
66.674
84.550
105.781
130.998
160.946
196.516
238.762
288.937
348.529
419.305
503.365
603.202
721.778
862.608

0.966
1.900
2.802
3.673
4.515
5.329
6.115
6.874
7.608
8.317
9.002
9.663
10.303
10.921
11.517
12.094
12.651
13.190
13.710
14.212
14.698
15.167
15.620
16.058
16.482
16.890
17.285
17.667
18.036
18.392
18.736
19.069
19.390
19.701
20.001
21.355
22.495
23.456
24.264
24.945
25.518
26.000
26.407
26.749
27.037
27.279
27.483
27.655

0
0.491
0.977
1.457
1.931
2.400
2.862
3.320
3.771
4.217
4.657
5.091
5.520
5.943
6.361
6.773
7.179
7.580
7.975
8.365
8.749
9.128
9.502
9.870
10.233
10.590
10.942
11.289
11.631
11.967
12.299
12.625
12.946
13.262
13.573
15.055
16.417
17.666
18.808
19.848
20.793
21.650
22.423
23.120
23.747
24.308
24.811
25.259

0
0.933
2.737
5.352
8.719
12.787
17.503
22.819
28.688
35.069
41.918
49.198
56.871
64.902
73.258
81.909
90.824
99.976
109.339
118.888
128.599
138.451
148.423
158.496
168.652
178.873
189.143
199.448
209.773
220.105
230.432
240.742
251.025
261.271
271.470
321.490
369.307
414.369
456.352
495.104
530.598
562.895
592.121
618.438
642.036
663.118
681.890
698.554

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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30
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65
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75
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COMPOUND INTEREST TABLES


4%

Compound Interest Factors


Single Payment

571
4%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.040
1.082
1.125
1.170
1.217
1.265
1.316
1.369
1.423
1.480
1.539
1.601
1.665
1.732
1.801
1.873
1.948
2.026
2.107
2.191
2.279
2.370
2.465
2.563
2.666
2.772
2.883
2.999
3.119
3.243
3.373
3.508
3.648
3.794
3.946
4.801
5.841
7.107
8.646
10.520
12.799
15.572
18.945
23.050
28.044
34.119
41.511
50.505

.9615
.9246
.8890
.8548
.8219
.7903
.7599
.7307
.7026
.6756
.6496
.6246
.6006
.5775
.5553
.5339
.5134
.4936
.4746
.4564
.4388
.4220
.4057
.3901
.3751
.3607
.3468
.3335
.3207
.3083
.2965
.2851
.2741
.2636
.2534
.2083
.1712
.1407
.1157
.0951
.0781
.0642
.0528
.0434
.0357
.0293
.0241
.0198

1.0000
.4902
.3203
.2355
.1846
.1508
.1266
.1085
.0945
.0833
.0741
.0666
.0601
.0547
.0499
.0458
.0422
.0390
.0361
.0336
.0313
.0292
.0273
.0256
.0240
.0226
.0212
.0200
.0189
.0178
.0169
.0159
.0151
.0143
.0136
.0105
.00826
.00655
.00523
.00420
.00339
.00275
.00223
.00181
.00148
.00121
.00099
.00081

1.0400
.5302
.3603
.2755
.2246
.1908
.1666
.1485
.1345
.1233
.1141
.1066
.1001
.0947
.0899
.0858
.0822
.0790
.0761
.0736
.0713
.0692
.0673
.0656
.0640
.0626
.0612
.0600
.0589
.0578
.0569
.0559
.0551
.0543
.0536
.0505
.0483
.0466
.0452
.0442
.0434
.0427
.0422
.0418
.0415
.0412
.0410
.0408

1.000
2.040
3.122
4.246
5.416
6.633
7.898
9.214
10.583
12.006
13.486
15.026
16.627
18.292
20.024
21.825
23.697
25.645
27.671
29.778
31.969
34.248
36.618
39.083
41.646
44.312
47.084
49.968
52.966
56.085
59.328
62.701
66.209
69.858
73.652
95.025
121.029
152.667
191.159
237.990
294.968
364.290
448.630
551.244
676.089
827.981
1 012.8
1 237.6

0.962
1.886
2.775
3.630
4.452
5.242
6.002
6.733
7.435
8.111
8.760
9.385
9.986
10.563
11.118
11.652
12.166
12.659
13.134
13.590
14.029
14.451
14.857
15.247
15.622
15.983
16.330
16.663
16.984
17.292
17.588
17.874
18.148
18.411
18.665
19.793
20.720
21.482
22.109
22.623
23.047
23.395
23.680
23.915
24.109
24.267
24.398
24.505

0
0.490
0.974
1.451
1.922
2.386
2.843
3.294
3.739
4.177
4.609
5.034
5.453
5.866
6.272
6.672
7.066
7.453
7.834
8.209
8.578
8.941
9.297
9.648
9.993
10.331
10.664
10.991
11.312
11.627
11.937
12.241
12.540
12.832
13.120
14.476
15.705
16.812
17.807
18.697
19.491
20.196
20.821
21.372
21.857
22.283
22.655
22.980

0
0.925
2.702
5.267
8.555
12.506
17.066
22.180
27.801
33.881
40.377
47.248
54.454
61.962
69.735
77.744
85.958
94.350
102.893
111.564
120.341
129.202
138.128
147.101
156.104
165.121
174.138
183.142
192.120
201.062
209.955
218.792
227.563
236.260
244.876
286.530
325.402
361.163
393.689
422.996
449.201
472.479
493.041
511.116
526.938
540.737
552.730
563.125

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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572

COMPOUND INTEREST TABLES

4 1/2%

4 1/2%

Compound Interest Factors


Single Payment

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.045
1.092
1.141
1.193
1.246
1.302
1.361
1.422
1.486
1.553
1.623
1.696
1.772
1.852
1.935
2.022
2.113
2.208
2.308
2.412
2.520
2.634
2.752
2.876
3.005
3.141
3.282
3.430
3.584
3.745
3.914
4.090
4.274
4.466
4.667
5.816
7.248
9.033
11.256
14.027
17.481
21.784
27.147
33.830
42.158
52.537
65.471
81.588

.9569
.9157
.8763
.8386
.8025
.7679
.7348
.7032
.6729
.6439
.6162
.5897
.5643
.5400
.5167
.4945
.4732
.4528
.4333
.4146
.3968
.3797
.3634
.3477
.3327
.3184
.3047
.2916
.2790
.2670
.2555
.2445
.2340
.2239
.2143
.1719
.1380
.1107
.0888
.0713
.0572
.0459
.0368
.0296
.0237
.0190
.0153
.0123

1.0000
.4890
.3188
.2337
.1828
.1489
.1247
.1066
.0926
.0814
.0722
.0647
.0583
.0528
.0481
.0440
.0404
.0372
.0344
.0319
.0296
.0275
.0257
.0240
.0224
.0210
.0197
.0185
.0174
.0164
.0154
.0146
.0137
.0130
.0123
.00934
.00720
.00560
.00439
.00345
.00273
.00217
.00172
.00137
.00109
.00087
.00070
.00056

1.0450
.5340
.3638
.2787
.2278
.1939
.1697
.1516
.1376
.1264
.1172
.1097
.1033
.0978
.0931
.0890
.0854
.0822
.0794
.0769
.0746
.0725
.0707
.0690
.0674
.0660
.0647
.0635
.0624
.0614
.0604
.0596
.0587
.0580
.0573
.0543
.0522
.0506
.0494
.0485
.0477
.0472
.0467
.0464
.0461
.0459
.0457
.0456

1.000
2.045
3.137
4.278
5.471
6.717
8.019
9.380
10.802
12.288
13.841
15.464
17.160
18.932
20.784
22.719
24.742
26.855
29.064
31.371
33.783
36.303
38.937
41.689
44.565
47.571
50.711
53.993
57.423
61.007
64.752
68.666
72.756
77.030
81.497
107.030
138.850
178.503
227.918
289.497
366.237
461.869
581.043
729.556
914.630
1 145.3
1 432.7
1 790.9

0.957
1.873
2.749
3.588
4.390
5.158
5.893
6.596
7.269
7.913
8.529
9.119
9.683
10.223
10.740
11.234
11.707
12.160
12.593
13.008
13.405
13.784
14.148
14.495
14.828
15.147
15.451
15.743
16.022
16.289
16.544
16.789
17.023
17.247
17.461
18.402
19.156
19.762
20.248
20.638
20.951
21.202
21.404
21.565
21.695
21.799
21.883
21.950

0
0.489
0.971
1.445
1.912
2.372
2.824
3.269
3.707
4.138
4.562
4.978
5.387
5.789
6.184
6.572
6.953
7.327
7.695
8.055
8.409
8.755
9.096
9.429
9.756
10.077
10.391
10.698
10.999
11.295
11.583
11.866
12.143
12.414
12.679
13.917
15.020
15.998
16.860
17.617
18.278
18.854
19.354
19.785
20.157
20.476
20.749
20.981

0
0.916
2.668
5.184
8.394
12.233
16.642
21.564
26.948
32.743
38.905
45.391
52.163
59.182
66.416
73.833
81.404
89.102
96.901
104.779
112.715
120.689
128.682
136.680
144.665
152.625
160.547
168.420
176.232
183.975
191.640
199.220
206.707
214.095
221.380
256.098
287.732
316.145
341.375
363.571
382.946
399.750
414.242
426.680
437.309
446.359
454.039
460.537

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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65
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newn42040_appB.qxd 1/5/04 10:52 AM Page 573

COMPOUND INTEREST TABLES


5%

Compound Interest Factors


Single Payment

Compound
Amount
Factor
Find F
Given P
F/P

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.050
1.102
1.158
1.216
1.276
1.340
1.407
1.477
1.551
1.629
1.710
1.796
1.886
1.980
2.079
2.183
2.292
2.407
2.527
2.653
2.786
2.925
3.072
3.225
3.386
3.556
3.733
3.920
4.116
4.322
4.538
4.765
5.003
5.253
5.516
7.040
8.985
11.467
14.636
18.679
23.840
30.426
38.832
49.561
63.254
80.730
103.034
131.500

573
5%

Uniform Payment Series

Arithmetic Gradient

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

.9524
.9070
.8638
.8227
.7835
.7462
.7107
.6768
.6446
.6139
.5847
.5568
.5303
.5051
.4810
.4581
.4363
.4155
.3957
.3769
.3589
.3419
.3256
.3101
.2953
.2812
.2678
.2551
.2429
.2314
.2204
.2099
.1999
.1904
.1813
.1420
.1113
.0872
.0683
.0535
.0419
.0329
.0258
.0202
.0158
.0124
.00971
.00760

1.0000
.4878
.3172
.2320
.1810
.1470
.1228
.1047
.0907
.0795
.0704
.0628
.0565
.0510
.0463
.0423
.0387
.0355
.0327
.0302
.0280
.0260
.0241
.0225
.0210
.0196
.0183
.0171
.0160
.0151
.0141
.0133
.0125
.0118
.0111
.00828
.00626
.00478
.00367
.00283
.00219
.00170
.00132
.00103
.00080
.00063
.00049
.00038

1.0500
.5378
.3672
.2820
.2310
.1970
.1728
.1547
.1407
.1295
.1204
.1128
.1065
.1010
.0963
.0923
.0887
.0855
.0827
.0802
.0780
.0760
.0741
.0725
.0710
.0696
.0683
.0671
.0660
.0651
.0641
.0633
.0625
.0618
.0611
.0583
.0563
.0548
.0537
.0528
.0522
.0517
.0513
.0510
.0508
.0506
.0505
.0504

1.000
2.050
3.152
4.310
5.526
6.802
8.142
9.549
11.027
12.578
14.207
15.917
17.713
19.599
21.579
23.657
25.840
28.132
30.539
33.066
35.719
38.505
41.430
44.502
47.727
51.113
54.669
58.402
62.323
66.439
70.761
75.299
80.063
85.067
90.320
120.799
159.699
209.347
272.711
353.582
456.795
588.525
756.649
971.222
1 245.1
1 594.6
2 040.7
2 610.0

0.952
1.859
2.723
3.546
4.329
5.076
5.786
6.463
7.108
7.722
8.306
8.863
9.394
9.899
10.380
10.838
11.274
11.690
12.085
12.462
12.821
13.163
13.489
13.799
14.094
14.375
14.643
14.898
15.141
15.372
15.593
15.803
16.003
16.193
16.374
17.159
17.774
18.256
18.633
18.929
19.161
19.343
19.485
19.596
19.684
19.752
19.806
19.848

0
0.488
0.967
1.439
1.902
2.358
2.805
3.244
3.676
4.099
4.514
4.922
5.321
5.713
6.097
6.474
6.842
7.203
7.557
7.903
8.242
8.573
8.897
9.214
9.524
9.827
10.122
10.411
10.694
10.969
11.238
11.501
11.757
12.006
12.250
13.377
14.364
15.223
15.966
16.606
17.154
17.621
18.018
18.353
18.635
18.871
19.069
19.234

0
0.907
2.635
5.103
8.237
11.968
16.232
20.970
26.127
31.652
37.499
43.624
49.988
56.553
63.288
70.159
77.140
84.204
91.327
98.488
105.667
112.846
120.008
127.140
134.227
141.258
148.222
155.110
161.912
168.622
175.233
181.739
188.135
194.416
200.580
229.545
255.314
277.914
297.510
314.343
328.691
340.841
351.072
359.646
366.800
372.749
377.677
381.749

n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

newn42040_appB.qxd 1/5/04 10:52 AM Page 574

574

COMPOUND INTEREST TABLES

6%

Compound Interest Factors


Single Payment

Compound
Amount
Factor
Find F
Given P
F/P

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.060
1.124
1.191
1.262
1.338
1.419
1.504
1.594
1.689
1.791
1.898
2.012
2.133
2.261
2.397
2.540
2.693
2.854
3.026
3.207
3.400
3.604
3.820
4.049
4.292
4.549
4.822
5.112
5.418
5.743
6.088
6.453
6.841
7.251
7.686
10.286
13.765
18.420
24.650
32.988
44.145
59.076
79.057
105.796
141.578
189.464
253.545
339.300

6%

Uniform Payment Series

Arithmetic Gradient

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

.9434
.8900
.8396
.7921
.7473
.7050
.6651
.6274
.5919
.5584
.5268
.4970
.4688
.4423
.4173
.3936
.3714
.3503
.3305
.3118
.2942
.2775
.2618
.2470
.2330
.2198
.2074
.1956
.1846
.1741
.1643
.1550
.1462
.1379
.1301
.0972
.0727
.0543
.0406
.0303
.0227
.0169
.0126
.00945
.00706
.00528
.00394
.00295

1.0000
.4854
.3141
.2286
.1774
.1434
.1191
.1010
.0870
.0759
.0668
.0593
.0530
.0476
.0430
.0390
.0354
.0324
.0296
.0272
.0250
.0230
.0213
.0197
.0182
.0169
.0157
.0146
.0136
.0126
.0118
.0110
.0103
.00960
.00897
.00646
.00470
.00344
.00254
.00188
.00139
.00103
.00077
.00057
.00043
.00032
.00024
.00018

1.0600
.5454
.3741
.2886
.2374
.2034
.1791
.1610
.1470
.1359
.1268
.1193
.1130
.1076
.1030
.0990
.0954
.0924
.0896
.0872
.0850
.0830
.0813
.0797
.0782
.0769
.0757
.0746
.0736
.0726
.0718
.0710
.0703
.0696
.0690
.0665
.0647
.0634
.0625
.0619
.0614
.0610
.0608
.0606
.0604
.0603
.0602
.0602

1.000
2.060
3.184
4.375
5.637
6.975
8.394
9.897
11.491
13.181
14.972
16.870
18.882
21.015
23.276
25.672
28.213
30.906
33.760
36.786
39.993
43.392
46.996
50.815
54.864
59.156
63.706
68.528
73.640
79.058
84.801
90.890
97.343
104.184
111.435
154.762
212.743
290.335
394.171
533.126
719.080
967.928
1 300.9
1 746.6
2 343.0
3 141.1
4 209.1
5 638.3

0.943
1.833
2.673
3.465
4.212
4.917
5.582
6.210
6.802
7.360
7.887
8.384
8.853
9.295
9.712
10.106
10.477
10.828
11.158
11.470
11.764
12.042
12.303
12.550
12.783
13.003
13.211
13.406
13.591
13.765
13.929
14.084
14.230
14.368
14.498
15.046
15.456
15.762
15.991
16.161
16.289
16.385
16.456
16.509
16.549
16.579
16.601
16.618

0
0.485
0.961
1.427
1.884
2.330
2.768
3.195
3.613
4.022
4.421
4.811
5.192
5.564
5.926
6.279
6.624
6.960
7.287
7.605
7.915
8.217
8.510
8.795
9.072
9.341
9.603
9.857
10.103
10.342
10.574
10.799
11.017
11.228
11.432
12.359
13.141
13.796
14.341
14.791
15.160
15.461
15.706
15.903
16.062
16.189
16.290
16.371

0
0.890
2.569
4.945
7.934
11.459
15.450
19.841
24.577
29.602
34.870
40.337
45.963
51.713
57.554
63.459
69.401
75.357
81.306
87.230
93.113
98.941
104.700
110.381
115.973
121.468
126.860
132.142
137.309
142.359
147.286
152.090
156.768
161.319
165.743
185.957
203.109
217.457
229.322
239.043
246.945
253.327
258.453
262.549
265.810
268.395
270.437
272.047

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

newn42040_appB.qxd 1/5/04 10:52 AM Page 575

COMPOUND INTEREST TABLES


7%

Compound Interest Factors


Single Payment

575
7%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.070
1.145
1.225
1.311
1.403
1.501
1.606
1.718
1.838
1.967
2.105
2.252
2.410
2.579
2.759
2.952
3.159
3.380
3.617
3.870
4.141
4.430
4.741
5.072
5.427
5.807
6.214
6.649
7.114
7.612
8.145
8.715
9.325
9.978
10.677
14.974
21.002
29.457
41.315
57.947
81.273
113.990
159.877
224.235
314.502
441.105
618.673
867.720

.9346
.8734
.8163
.7629
.7130
.6663
.6227
.5820
.5439
.5083
.4751
.4440
.4150
.3878
.3624
.3387
.3166
.2959
.2765
.2584
.2415
.2257
.2109
.1971
.1842
.1722
.1609
.1504
.1406
.1314
.1228
.1147
.1072
.1002
.0937
.0668
.0476
.0339
.0242
.0173
.0123
.00877
.00625
.00446
.00318
.00227
.00162
.00115

1.0000
.4831
.3111
.2252
.1739
.1398
.1156
.0975
.0835
.0724
.0634
.0559
.0497
.0443
.0398
.0359
.0324
.0294
.0268
.0244
.0223
.0204
.0187
.0172
.0158
.0146
.0134
.0124
.0114
.0106
.00980
.00907
.00841
.00780
.00723
.00501
.00350
.00246
.00174
.00123
.00087
.00062
.00044
.00031
.00022
.00016
.00011
.00008

1.0700
.5531
.3811
.2952
.2439
.2098
.1856
.1675
.1535
.1424
.1334
.1259
.1197
.1143
.1098
.1059
.1024
.0994
.0968
.0944
.0923
.0904
.0887
.0872
.0858
.0846
.0834
.0824
.0814
.0806
.0798
.0791
.0784
.0778
.0772
.0750
.0735
.0725
.0717
.0712
.0709
.0706
.0704
.0703
.0702
.0702
.0701
.0701

1.000
2.070
3.215
4.440
5.751
7.153
8.654
10.260
11.978
13.816
15.784
17.888
20.141
22.551
25.129
27.888
30.840
33.999
37.379
40.996
44.865
49.006
53.436
58.177
63.249
68.677
74.484
80.698
87.347
94.461
102.073
110.218
118.934
128.259
138.237
199.636
285.750
406.530
575.930
813.523
1 146.8
1 614.1
2 269.7
3 189.1
4 478.6
6 287.2
8 823.9
12 381.7

0.935
1.808
2.624
3.387
4.100
4.767
5.389
5.971
6.515
7.024
7.499
7.943
8.358
8.745
9.108
9.447
9.763
10.059
10.336
10.594
10.836
11.061
11.272
11.469
11.654
11.826
11.987
12.137
12.278
12.409
12.532
12.647
12.754
12.854
12.948
13.332
13.606
13.801
13.940
14.039
14.110
14.160
14.196
14.222
14.240
14.253
14.263
14.269

0
0.483
0.955
1.416
1.865
2.303
2.730
3.147
3.552
3.946
4.330
4.703
5.065
5.417
5.758
6.090
6.411
6.722
7.024
7.316
7.599
7.872
8.137
8.392
8.639
8.877
9.107
9.329
9.543
9.749
9.947
10.138
10.322
10.499
10.669
11.423
12.036
12.529
12.921
13.232
13.476
13.666
13.814
13.927
14.015
14.081
14.132
14.170

0
0.873
2.506
4.795
7.647
10.978
14.715
18.789
23.140
27.716
32.467
37.351
42.330
47.372
52.446
57.527
62.592
67.622
72.599
77.509
82.339
87.079
91.720
96.255
100.677
104.981
109.166
113.227
117.162
120.972
124.655
128.212
131.644
134.951
138.135
152.293
163.756
172.905
180.124
185.768
190.145
193.519
196.104
198.075
199.572
200.704
201.558
202.200

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

newn42040_appB.qxd 1/5/04 10:52 AM Page 576

576

COMPOUND INTEREST TABLES

8%

Compound Interest Factors


Single Payment

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.080
1.166
1.260
1.360
1.469
1.587
1.714
1.851
1.999
2.159
2.332
2.518
2.720
2.937
3.172
3.426
3.700
3.996
4.316
4.661
5.034
5.437
5.871
6.341
6.848
7.396
7.988
8.627
9.317
10.063
10.868
11.737
12.676
13.690
14.785
21.725
31.920
46.902
68.914
101.257
148.780
218.607
321.205
471.956
693.458
1 018.9
1 497.1
2 199.8

.9259
.8573
.7938
.7350
.6806
.6302
.5835
.5403
.5002
.4632
.4289
.3971
.3677
.3405
.3152
.2919
.2703
.2502
.2317
.2145
.1987
.1839
.1703
.1577
.1460
.1352
.1252
.1159
.1073
.0994
.0920
.0852
.0789
.0730
.0676
.0460
.0313
.0213
.0145
.00988
.00672
.00457
.00311
.00212
.00144
.00098
.00067
.00045

8%

Uniform Payment Series


Sinking
Fund
Factor
Find A
Given F
A/F
1.0000
.4808
.3080
.2219
.1705
.1363
.1121
.0940
.0801
.0690
.0601
.0527
.0465
.0413
.0368
.0330
.0296
.0267
.0241
.0219
.0198
.0180
.0164
.0150
.0137
.0125
.0114
.0105
.00962
.00883
.00811
.00745
.00685
.00630
.00580
.00386
.00259
.00174
.00118
.00080
.00054
.00037
.00025
.00017
.00012
.00008
.00005
.00004

Arithmetic Gradient

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1.0800
.5608
.3880
.3019
.2505
.2163
.1921
.1740
.1601
.1490
.1401
.1327
.1265
.1213
.1168
.1130
.1096
.1067
.1041
.1019
.0998
.0980
.0964
.0950
.0937
.0925
.0914
.0905
.0896
.0888
.0881
.0875
.0869
.0863
.0858
.0839
.0826
.0817
.0812
.0808
.0805
.0804
.0802
.0802
.0801
.0801
.0801
.0800

1.000
2.080
3.246
4.506
5.867
7.336
8.923
10.637
12.488
14.487
16.645
18.977
21.495
24.215
27.152
30.324
33.750
37.450
41.446
45.762
50.423
55.457
60.893
66.765
73.106
79.954
87.351
95.339
103.966
113.283
123.346
134.214
145.951
158.627
172.317
259.057
386.506
573.771
848.925
1 253.2
1 847.3
2 720.1
4 002.6
5 887.0
8 655.7
12 724.0
18 701.6
27 484.6

0.926
1.783
2.577
3.312
3.993
4.623
5.206
5.747
6.247
6.710
7.139
7.536
7.904
8.244
8.559
8.851
9.122
9.372
9.604
9.818
10.017
10.201
10.371
10.529
10.675
10.810
10.935
11.051
11.158
11.258
11.350
11.435
11.514
11.587
11.655
11.925
12.108
12.233
12.319
12.377
12.416
12.443
12.461
12.474
12.482
12.488
12.492
12.494

0
0.481
0.949
1.404
1.846
2.276
2.694
3.099
3.491
3.871
4.240
4.596
4.940
5.273
5.594
5.905
6.204
6.492
6.770
7.037
7.294
7.541
7.779
8.007
8.225
8.435
8.636
8.829
9.013
9.190
9.358
9.520
9.674
9.821
9.961
10.570
11.045
11.411
11.690
11.902
12.060
12.178
12.266
12.330
12.377
12.412
12.437
12.455

0
0.857
2.445
4.650
7.372
10.523
14.024
17.806
21.808
25.977
30.266
34.634
39.046
43.472
47.886
52.264
56.588
60.843
65.013
69.090
73.063
76.926
80.673
84.300
87.804
91.184
94.439
97.569
100.574
103.456
106.216
108.858
111.382
113.792
116.092
126.042
133.733
139.593
144.006
147.300
149.739
151.533
152.845
153.800
154.492
154.993
155.352
155.611

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
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60
65
70
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newn42040_appB.qxd 1/5/04 10:52 AM Page 577

COMPOUND INTEREST TABLES


9%

Compound Interest Factors


Single Payment

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.090
1.188
1.295
1.412
1.539
1.677
1.828
1.993
2.172
2.367
2.580
2.813
3.066
3.342
3.642
3.970
4.328
4.717
5.142
5.604
6.109
6.659
7.258
7.911
8.623
9.399
10.245
11.167
12.172
13.268
14.462
15.763
17.182
18.728
20.414
31.409
48.327
74.358
114.409
176.032
270.847
416.731
641.193
986.555
1 517.9
2 335.5
3 593.5
5 529.1

.9174
.8417
.7722
.7084
.6499
.5963
.5470
.5019
.4604
.4224
.3875
.3555
.3262
.2992
.2745
.2519
.2311
.2120
.1945
.1784
.1637
.1502
.1378
.1264
.1160
.1064
.0976
.0895
.0822
.0754
.0691
.0634
.0582
.0534
.0490
.0318
.0207
.0134
.00874
.00568
.00369
.00240
.00156
.00101
.00066
.00043
.00028
.00018

9%

Uniform Payment Series


Sinking
Fund
Factor
Find A
Given F
A/F
1.0000
.4785
.3051
.2187
.1671
.1329
.1087
.0907
.0768
.0658
.0569
.0497
.0436
.0384
.0341
.0303
.0270
.0242
.0217
.0195
.0176
.0159
.0144
.0130
.0118
.0107
.00973
.00885
.00806
.00734
.00669
.00610
.00556
.00508
.00464
.00296
.00190
.00123
.00079
.00051
.00033
.00022
.00014
.00009
.00006
.00004
.00003
.00002

577

Arithmetic Gradient

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1.0900
.5685
.3951
.3087
.2571
.2229
.1987
.1807
.1668
.1558
.1469
.1397
.1336
.1284
.1241
.1203
.1170
.1142
.1117
.1095
.1076
.1059
.1044
.1030
.1018
.1007
.0997
.0989
.0981
.0973
.0967
.0961
.0956
.0951
.0946
.0930
.0919
.0912
.0908
.0905
.0903
.0902
.0901
.0901
.0901
.0900
.0900
.0900

1.000
2.090
3.278
4.573
5.985
7.523
9.200
11.028
13.021
15.193
17.560
20.141
22.953
26.019
29.361
33.003
36.974
41.301
46.019
51.160
56.765
62.873
69.532
76.790
84.701
93.324
102.723
112.968
124.136
136.308
149.575
164.037
179.801
196.983
215.711
337.883
525.860
815.085
1 260.1
1 944.8
2 998.3
4 619.2
7 113.3
10 950.6
16 854.9
25 939.3
39 916.8
61 422.9

0.917
1.759
2.531
3.240
3.890
4.486
5.033
5.535
5.995
6.418
6.805
7.161
7.487
7.786
8.061
8.313
8.544
8.756
8.950
9.129
9.292
9.442
9.580
9.707
9.823
9.929
10.027
10.116
10.198
10.274
10.343
10.406
10.464
10.518
10.567
10.757
10.881
10.962
11.014
11.048
11.070
11.084
11.094
11.100
11.104
11.106
11.108
11.109

0
0.478
0.943
1.393
1.828
2.250
2.657
3.051
3.431
3.798
4.151
4.491
4.818
5.133
5.435
5.724
6.002
6.269
6.524
6.767
7.001
7.223
7.436
7.638
7.832
8.016
8.191
8.357
8.515
8.666
8.808
8.944
9.072
9.193
9.308
9.796
10.160
10.430
10.626
10.768
10.870
10.943
10.994
11.030
11.055
11.073
11.085
11.093

0
0.842
2.386
4.511
7.111
10.092
13.375
16.888
20.571
24.373
28.248
32.159
36.073
39.963
43.807
47.585
51.282
54.886
58.387
61.777
65.051
68.205
71.236
74.143
76.927
79.586
82.124
84.542
86.842
89.028
91.102
93.069
94.931
96.693
98.359
105.376
110.556
114.325
117.036
118.968
120.334
121.294
121.965
122.431
122.753
122.976
123.129
123.233

1
2
3
4
5
6
7
8
9
10
11
12
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23
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578

COMPOUND INTEREST TABLES

10%

Compound Interest Factors


Single Payment

10%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.100
1.210
1.331
1.464
1.611
1.772
1.949
2.144
2.358
2.594
2.853
3.138
3.452
3.797
4.177
4.595
5.054
5.560
6.116
6.728
7.400
8.140
8.954
9.850
10.835
11.918
13.110
14.421
15.863
17.449
19.194
21.114
23.225
25.548
28.102
45.259
72.891
117.391
189.059
304.482
490.371
789.748
1 271.9
2 048.4
3 299.0
5 313.0
8 556.7
13 780.6

.9091
.8264
.7513
.6830
.6209
.5645
.5132
.4665
.4241
.3855
.3505
.3186
.2897
.2633
.2394
.2176
.1978
.1799
.1635
.1486
.1351
.1228
.1117
.1015
.0923
.0839
.0763
.0693
.0630
.0573
.0521
.0474
.0431
.0391
.0356
.0221
.0137
.00852
.00529
.00328
.00204
.00127
.00079
.00049
.00030
.00019
.00012
.00007

1.0000
.4762
.3021
.2155
.1638
.1296
.1054
.0874
.0736
.0627
.0540
.0468
.0408
.0357
.0315
.0278
.0247
.0219
.0195
.0175
.0156
.0140
.0126
.0113
.0102
.00916
.00826
.00745
.00673
.00608
.00550
.00497
.00450
.00407
.00369
.00226
.00139
.00086
.00053
.00033
.00020
.00013
.00008
.00005
.00003
.00002
.00001
.00001

1.1000
.5762
.4021
.3155
.2638
.2296
.2054
.1874
.1736
.1627
.1540
.1468
.1408
.1357
.1315
.1278
.1247
.1219
.1195
.1175
.1156
.1140
.1126
.1113
.1102
.1092
.1083
.1075
.1067
.1061
.1055
.1050
.1045
.1041
.1037
.1023
.1014
.1009
.1005
.1003
.1002
.1001
.1001
.1000
.1000
.1000
.1000
.1000

1.000
2.100
3.310
4.641
6.105
7.716
9.487
11.436
13.579
15.937
18.531
21.384
24.523
27.975
31.772
35.950
40.545
45.599
51.159
57.275
64.003
71.403
79.543
88.497
98.347
109.182
121.100
134.210
148.631
164.494
181.944
201.138
222.252
245.477
271.025
442.593
718.905
1 163.9
1 880.6
3 034.8
4 893.7
7 887.5
12 709.0
20 474.0
32 979.7
53 120.3
85 556.9
137 796.3

0.909
1.736
2.487
3.170
3.791
4.355
4.868
5.335
5.759
6.145
6.495
6.814
7.103
7.367
7.606
7.824
8.022
8.201
8.365
8.514
8.649
8.772
8.883
8.985
9.077
9.161
9.237
9.307
9.370
9.427
9.479
9.526
9.569
9.609
9.644
9.779
9.863
9.915
9.947
9.967
9.980
9.987
9.992
9.995
9.997
9.998
9.999
9.999

0
0.476
0.937
1.381
1.810
2.224
2.622
3.004
3.372
3.725
4.064
4.388
4.699
4.996
5.279
5.549
5.807
6.053
6.286
6.508
6.719
6.919
7.108
7.288
7.458
7.619
7.770
7.914
8.049
8.176
8.296
8.409
8.515
8.615
8.709
9.096
9.374
9.570
9.708
9.802
9.867
9.911
9.941
9.961
9.974
9.983
9.989
9.993

0
0.826
2.329
4.378
6.862
9.684
12.763
16.029
19.421
22.891
26.396
29.901
33.377
36.801
40.152
43.416
46.582
49.640
52.583
55.407
58.110
60.689
63.146
65.481
67.696
69.794
71.777
73.650
75.415
77.077
78.640
80.108
81.486
82.777
83.987
88.953
92.454
94.889
96.562
97.701
98.471
98.987
99.332
99.561
99.712
99.812
99.877
99.920

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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newn42040_appB.qxd 1/5/04 10:52 AM Page 579

COMPOUND INTEREST TABLES


12%

Compound Interest Factors


Single Payment

579
12%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
100

1.120
1.254
1.405
1.574
1.762
1.974
2.211
2.476
2.773
3.106
3.479
3.896
4.363
4.887
5.474
6.130
6.866
7.690
8.613
9.646
10.804
12.100
13.552
15.179
17.000
19.040
21.325
23.884
26.750
29.960
33.555
37.582
42.092
47.143
52.800
93.051
163.988
289.002
509.321
897.597
1 581.9
2 787.8
4 913.1
8 658.5
15 259.2
26 891.9
47 392.8
83 522.3

.8929
.7972
.7118
.6355
.5674
.5066
.4523
.4039
.3606
.3220
.2875
.2567
.2292
.2046
.1827
.1631
.1456
.1300
.1161
.1037
.0926
.0826
.0738
.0659
.0588
.0525
.0469
.0419
.0374
.0334
.0298
.0266
.0238
.0212
.0189
.0107
.00610
.00346
.00196
.00111
.00063
.00036
.00020
.00012
.00007
.00004
.00002
.00001

1.0000
.4717
.2963
.2092
.1574
.1232
.0991
.0813
.0677
.0570
.0484
.0414
.0357
.0309
.0268
.0234
.0205
.0179
.0158
.0139
.0122
.0108
.00956
.00846
.00750
.00665
.00590
.00524
.00466
.00414
.00369
.00328
.00292
.00260
.00232
.00130
.00074
.00042
.00024
.00013
.00008
.00004
.00002
.00001
.00001

1.1200
.5917
.4163
.3292
.2774
.2432
.2191
.2013
.1877
.1770
.1684
.1614
.1557
.1509
.1468
.1434
.1405
.1379
.1358
.1339
.1322
.1308
.1296
.1285
.1275
.1267
.1259
.1252
.1247
.1241
.1237
.1233
.1229
.1226
.1223
.1213
.1207
.1204
.1202
.1201
.1201
.1200
.1200
.1200
.1200
.1200
.1200
.1200

1.000
2.120
3.374
4.779
6.353
8.115
10.089
12.300
14.776
17.549
20.655
24.133
28.029
32.393
37.280
42.753
48.884
55.750
63.440
72.052
81.699
92.503
104.603
118.155
133.334
150.334
169.374
190.699
214.583
241.333
271.293
304.848
342.429
384.521
431.663
767.091
1 358.2
2 400.0
4 236.0
7 471.6
13 173.9
23 223.3
40 933.8
72 145.7
127 151.7
224 091.1
394 931.4
696 010.5

0.893
1.690
2.402
3.037
3.605
4.111
4.564
4.968
5.328
5.650
5.938
6.194
6.424
6.628
6.811
6.974
7.120
7.250
7.366
7.469
7.562
7.645
7.718
7.784
7.843
7.896
7.943
7.984
8.022
8.055
8.085
8.112
8.135
8.157
8.176
8.244
8.283
8.304
8.317
8.324
8.328
8.330
8.332
8.332
8.333
8.333
8.333
8.333

0
0.472
0.925
1.359
1.775
2.172
2.551
2.913
3.257
3.585
3.895
4.190
4.468
4.732
4.980
5.215
5.435
5.643
5.838
6.020
6.191
6.351
6.501
6.641
6.771
6.892
7.005
7.110
7.207
7.297
7.381
7.459
7.530
7.596
7.658
7.899
8.057
8.160
8.225
8.266
8.292
8.308
8.318
8.324
8.328
8.330
8.331
8.332

0
0.797
2.221
4.127
6.397
8.930
11.644
14.471
17.356
20.254
23.129
25.952
28.702
31.362
33.920
36.367
38.697
40.908
42.998
44.968
46.819
48.554
50.178
51.693
53.105
54.418
55.637
56.767
57.814
58.782
59.676
60.501
61.261
61.961
62.605
65.116
66.734
67.762
68.408
68.810
69.058
69.210
69.303
69.359
69.393
69.414
69.426
69.434

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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580

COMPOUND INTEREST TABLES

15%

Compound Interest Factors


Single Payment

15%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85

1.150
1.322
1.521
1.749
2.011
2.313
2.660
3.059
3.518
4.046
4.652
5.350
6.153
7.076
8.137
9.358
10.761
12.375
14.232
16.367
18.822
21.645
24.891
28.625
32.919
37.857
43.535
50.066
57.575
66.212
76.144
87.565
100.700
115.805
133.176
267.864
538.769
1 083.7
2 179.6
4 384.0
8 817.8
17 735.7
35 672.9
71 750.9
144 316.7

.8696
.7561
.6575
.5718
.4972
.4323
.3759
.3269
.2843
.2472
.2149
.1869
.1625
.1413
.1229
.1069
.0929
.0808
.0703
.0611
.0531
.0462
.0402
.0349
.0304
.0264
.0230
.0200
.0174
.0151
.0131
.0114
.00993
.00864
.00751
.00373
.00186
.00092
.00046
.00023
.00011
.00006
.00003
.00001
.00001

1.0000
.4651
.2880
.2003
.1483
.1142
.0904
.0729
.0596
.0493
.0411
.0345
.0291
.0247
.0210
.0179
.0154
.0132
.0113
.00976
.00842
.00727
.00628
.00543
.00470
.00407
.00353
.00306
.00265
.00230
.00200
.00173
.00150
.00131
.00113
.00056
.00028
.00014
.00007
.00003
.00002
.00001

1.1500
.6151
.4380
.3503
.2983
.2642
.2404
.2229
.2096
.1993
.1911
.1845
.1791
.1747
.1710
.1679
.1654
.1632
.1613
.1598
.1584
.1573
.1563
.1554
.1547
.1541
.1535
.1531
.1527
.1523
.1520
.1517
.1515
.1513
.1511
.1506
.1503
.1501
.1501
.1500
.1500
.1500
.1500
.1500
.1500

1.000
2.150
3.472
4.993
6.742
8.754
11.067
13.727
16.786
20.304
24.349
29.002
34.352
40.505
47.580
55.717
65.075
75.836
88.212
102.444
118.810
137.632
159.276
184.168
212.793
245.712
283.569
327.104
377.170
434.745
500.957
577.100
664.666
765.365
881.170
1 779.1
3 585.1
7 217.7
14 524.1
29 220.0
58 778.6
118 231.5
237 812.5
478 332.6
962 104.4

0.870
1.626
2.283
2.855
3.352
3.784
4.160
4.487
4.772
5.019
5.234
5.421
5.583
5.724
5.847
5.954
6.047
6.128
6.198
6.259
6.312
6.359
6.399
6.434
6.464
6.491
6.514
6.534
6.551
6.566
6.579
6.591
6.600
6.609
6.617
6.642
6.654
6.661
6.664
6.665
6.666
6.666
6.666
6.667
6.667

0
0.465
0.907
1.326
1.723
2.097
2.450
2.781
3.092
3.383
3.655
3.908
4.144
4.362
4.565
4.752
4.925
5.084
5.231
5.365
5.488
5.601
5.704
5.798
5.883
5.961
6.032
6.096
6.154
6.207
6.254
6.297
6.336
6.371
6.402
6.517
6.583
6.620
6.641
6.653
6.659
6.663
6.665
6.666
6.666

0
0.756
2.071
3.786
5.775
7.937
10.192
12.481
14.755
16.979
19.129
21.185
23.135
24.972
26.693
28.296
29.783
31.156
32.421
33.582
34.645
35.615
36.499
37.302
38.031
38.692
39.289
39.828
40.315
40.753
41.147
41.501
41.818
42.103
42.359
43.283
43.805
44.096
44.256
44.343
44.390
44.416
44.429
44.436
44.440

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
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COMPOUND INTEREST TABLES


18%

Compound Interest Factors


Single Payment

581
18%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70

1.180
1.392
1.643
1.939
2.288
2.700
3.185
3.759
4.435
5.234
6.176
7.288
8.599
10.147
11.974
14.129
16.672
19.673
23.214
27.393
32.324
38.142
45.008
53.109
62.669
73.949
87.260
102.966
121.500
143.370
169.177
199.629
235.562
277.963
327.997
750.377
1 716.7
3 927.3
8 984.8
20 555.1
47 025.1
107 581.9

.8475
.7182
.6086
.5158
.4371
.3704
.3139
.2660
.2255
.1911
.1619
.1372
.1163
.0985
.0835
.0708
.0600
.0508
.0431
.0365
.0309
.0262
.0222
.0188
.0160
.0135
.0115
.00971
.00823
.00697
.00591
.00501
.00425
.00360
.00305
.00133
.00058
.00025
.00011
.00005
.00002
.00001

1.0000
.4587
.2799
.1917
.1398
.1059
.0824
.0652
.0524
.0425
.0348
.0286
.0237
.0197
.0164
.0137
.0115
.00964
.00810
.00682
.00575
.00485
.00409
.00345
.00292
.00247
.00209
.00177
.00149
.00126
.00107
.00091
.00077
.00065
.00055
.00024
.00010
.00005
.00002
.00001

1.1800
.6387
.4599
.3717
.3198
.2859
.2624
.2452
.2324
.2225
.2148
.2086
.2037
.1997
.1964
.1937
.1915
.1896
.1881
.1868
.1857
.1848
.1841
.1835
.1829
.1825
.1821
.1818
.1815
.1813
.1811
.1809
.1808
.1806
.1806
.1802
.1801
.1800
.1800
.1800
.1800
.1800

1.000
2.180
3.572
5.215
7.154
9.442
12.142
15.327
19.086
23.521
28.755
34.931
42.219
50.818
60.965
72.939
87.068
103.740
123.413
146.628
174.021
206.345
244.487
289.494
342.603
405.272
479.221
566.480
669.447
790.947
934.317
1 103.5
1 303.1
1 538.7
1 816.6
4 163.2
9 531.6
21 813.0
49 910.1
114 189.4
261 244.7
597 671.7

0.847
1.566
2.174
2.690
3.127
3.498
3.812
4.078
4.303
4.494
4.656
4.793
4.910
5.008
5.092
5.162
5.222
5.273
5.316
5.353
5.384
5.410
5.432
5.451
5.467
5.480
5.492
5.502
5.510
5.517
5.523
5.528
5.532
5.536
5.539
5.548
5.552
5.554
5.555
5.555
5.555
5.556

0
0.459
0.890
1.295
1.673
2.025
2.353
2.656
2.936
3.194
3.430
3.647
3.845
4.025
4.189
4.337
4.471
4.592
4.700
4.798
4.885
4.963
5.033
5.095
5.150
5.199
5.243
5.281
5.315
5.345
5.371
5.394
5.415
5.433
5.449
5.502
5.529
5.543
5.549
5.553
5.554
5.555

0
0.718
1.935
3.483
5.231
7.083
8.967
10.829
12.633
14.352
15.972
17.481
18.877
20.158
21.327
22.389
23.348
24.212
24.988
25.681
26.300
26.851
27.339
27.772
28.155
28.494
28.791
29.054
29.284
29.486
29.664
29.819
29.955
30.074
30.177
30.527
30.701
30.786
30.827
30.846
30.856
30.860

1
2
3
4
5
6
7
8
9
10
11
12
13
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15
16
17
18
19
20
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582

COMPOUND INTEREST TABLES

20%

Compound Interest Factors


Single Payment

20%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60

1.200
1.440
1.728
2.074
2.488
2.986
3.583
4.300
5.160
6.192
7.430
8.916
10.699
12.839
15.407
18.488
22.186
26.623
31.948
38.338
46.005
55.206
66.247
79.497
95.396
114.475
137.371
164.845
197.814
237.376
284.852
341.822
410.186
492.224
590.668
1 469.8
3 657.3
9 100.4
22 644.8
56 347.5

.8333
.6944
.5787
.4823
.4019
.3349
.2791
.2326
.1938
.1615
.1346
.1122
.0935
.0779
.0649
.0541
.0451
.0376
.0313
.0261
.0217
.0181
.0151
.0126
.0105
.00874
.00728
.00607
.00506
.00421
.00351
.00293
.00244
.00203
.00169
.00068
.00027
.00011
.00004
.00002

1.0000
.4545
.2747
.1863
.1344
.1007
.0774
.0606
.0481
.0385
.0311
.0253
.0206
.0169
.0139
.0114
.00944
.00781
.00646
.00536
.00444
.00369
.00307
.00255
.00212
.00176
.00147
.00122
.00102
.00085
.00070
.00059
.00049
.00041
.00034
.00014
.00005
.00002
.00001

1.2000
.6545
.4747
.3863
.3344
.3007
.2774
.2606
.2481
.2385
.2311
.2253
.2206
.2169
.2139
.2114
.2094
.2078
.2065
.2054
.2044
.2037
.2031
.2025
.2021
.2018
.2015
.2012
.2010
.2008
.2007
.2006
.2005
.2004
.2003
.2001
.2001
.2000
.2000
.2000

1.000
2.200
3.640
5.368
7.442
9.930
12.916
16.499
20.799
25.959
32.150
39.581
48.497
59.196
72.035
87.442
105.931
128.117
154.740
186.688
225.026
271.031
326.237
392.484
471.981
567.377
681.853
819.223
984.068
1 181.9
1 419.3
1 704.1
2 045.9
2 456.1
2 948.3
7 343.9
18 281.3
45 497.2
113 219.0
281 732.6

0.833
1.528
2.106
2.589
2.991
3.326
3.605
3.837
4.031
4.192
4.327
4.439
4.533
4.611
4.675
4.730
4.775
4.812
4.843
4.870
4.891
4.909
4.925
4.937
4.948
4.956
4.964
4.970
4.975
4.979
4.982
4.985
4.988
4.990
4.992
4.997
4.999
4.999
5.000
5.000

0
0.455
0.879
1.274
1.641
1.979
2.290
2.576
2.836
3.074
3.289
3.484
3.660
3.817
3.959
4.085
4.198
4.298
4.386
4.464
4.533
4.594
4.647
4.694
4.735
4.771
4.802
4.829
4.853
4.873
4.891
4.906
4.919
4.931
4.941
4.973
4.988
4.995
4.998
4.999

0
0.694
1.852
3.299
4.906
6.581
8.255
9.883
11.434
12.887
14.233
15.467
16.588
17.601
18.509
19.321
20.042
20.680
21.244
21.739
22.174
22.555
22.887
23.176
23.428
23.646
23.835
23.999
24.141
24.263
24.368
24.459
24.537
24.604
24.661
24.847
24.932
24.970
24.987
24.994

1
2
3
4
5
6
7
8
9
10
11
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14
15
16
17
18
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newn42040_appB.qxd 1/5/04 10:52 AM Page 583

COMPOUND INTEREST TABLES


25%

Compound Interest Factors


Single Payment

583
25%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55

1.250
1.563
1.953
2.441
3.052
3.815
4.768
5.960
7.451
9.313
11.642
14.552
18.190
22.737
28.422
35.527
44.409
55.511
69.389
86.736
108.420
135.525
169.407
211.758
264.698
330.872
413.590
516.988
646.235
807.794
1 009.7
1 262.2
1 577.7
1 972.2
2 465.2
7 523.2
22 958.9
70 064.9
213 821.2

.8000
.6400
.5120
.4096
.3277
.2621
.2097
.1678
.1342
.1074
.0859
.0687
.0550
.0440
.0352
.0281
.0225
.0180
.0144
.0115
.00922
.00738
.00590
.00472
.00378
.00302
.00242
.00193
.00155
.00124
.00099
.00079
.00063
.00051
.00041
.00013
.00004
.00001

1.0000
.4444
.2623
.1734
.1218
.0888
.0663
.0504
.0388
.0301
.0235
.0184
.0145
.0115
.00912
.00724
.00576
.00459
.00366
.00292
.00233
.00186
.00148
.00119
.00095
.00076
.00061
.00048
.00039
.00031
.00025
.00020
.00016
.00013
.00010
.00003
.00001

1.2500
.6944
.5123
.4234
.3718
.3388
.3163
.3004
.2888
.2801
.2735
.2684
.2645
.2615
.2591
.2572
.2558
.2546
.2537
.2529
.2523
.2519
.2515
.2512
.2509
.2508
.2506
.2505
.2504
.2503
.2502
.2502
.2502
.2501
.2501
.2500
.2500
.2500
.2500

1.000
2.250
3.813
5.766
8.207
11.259
15.073
19.842
25.802
33.253
42.566
54.208
68.760
86.949
109.687
138.109
173.636
218.045
273.556
342.945
429.681
538.101
673.626
843.033
1 054.8
1 319.5
1 650.4
2 064.0
2 580.9
3 227.2
4 035.0
5 044.7
6 306.9
7 884.6
9 856.8
30 088.7
91 831.5
280 255.7
855 280.7

0.800
1.440
1.952
2.362
2.689
2.951
3.161
3.329
3.463
3.571
3.656
3.725
3.780
3.824
3.859
3.887
3.910
3.928
3.942
3.954
3.963
3.970
3.976
3.981
3.985
3.988
3.990
3.992
3.994
3.995
3.996
3.997
3.997
3.998
3.998
3.999
4.000
4.000
4.000

0
0.444
0.852
1.225
1.563
1.868
2.142
2.387
2.605
2.797
2.966
3.115
3.244
3.356
3.453
3.537
3.608
3.670
3.722
3.767
3.805
3.836
3.863
3.886
3.905
3.921
3.935
3.946
3.955
3.963
3.969
3.975
3.979
3.983
3.986
3.995
3.998
3.999
4.000

0
0.640
1.664
2.893
4.204
5.514
6.773
7.947
9.021
9.987
10.846
11.602
12.262
12.833
13.326
13.748
14.108
14.415
14.674
14.893
15.078
15.233
15.362
15.471
15.562
15.637
15.700
15.752
15.796
15.832
15.861
15.886
15.906
15.923
15.937
15.977
15.991
15.997
15.999

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
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584

COMPOUND INTEREST TABLES

30%

Compound Interest Factors


Single Payment

30%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45

1.300
1.690
2.197
2.856
3.713
4.827
6.275
8.157
10.604
13.786
17.922
23.298
30.287
39.374
51.186
66.542
86.504
112.455
146.192
190.049
247.064
321.184
417.539
542.800
705.640
917.332
1 192.5
1 550.3
2 015.4
2 620.0
3 406.0
4 427.8
5 756.1
7 483.0
9 727.8
36 118.8
134 106.5

.7692
.5917
.4552
.3501
.2693
.2072
.1594
.1226
.0943
.0725
.0558
.0429
.0330
.0254
.0195
.0150
.0116
.00889
.00684
.00526
.00405
.00311
.00239
.00184
.00142
.00109
.00084
.00065
.00050
.00038
.00029
.00023
.00017
.00013
.00010
.00003
.00001

1.0000
.4348
.2506
.1616
.1106
.0784
.0569
.0419
.0312
.0235
.0177
.0135
.0102
.00782
.00598
.00458
.00351
.00269
.00207
.00159
.00122
.00094
.00072
.00055
.00043
.00033
.00025
.00019
.00015
.00011
.00009
.00007
.00005
.00004
.00003
.00001

1.3000
.7348
.5506
.4616
.4106
.3784
.3569
.3419
.3312
.3235
.3177
.3135
.3102
.3078
.3060
.3046
.3035
.3027
.3021
.3016
.3012
.3009
.3007
.3006
.3004
.3003
.3003
.3002
.3001
.3001
.3001
.3001
.3001
.3000
.3000
.3000
.3000

1.000
2.300
3.990
6.187
9.043
12.756
17.583
23.858
32.015
42.619
56.405
74.327
97.625
127.912
167.286
218.472
285.014
371.518
483.973
630.165
820.214
1 067.3
1 388.5
1 806.0
2 348.8
3 054.4
3 971.8
5 164.3
6 714.6
8 730.0
11 350.0
14 756.0
19 183.7
24 939.9
32 422.8
120 392.6
447 018.3

0.769
1.361
1.816
2.166
2.436
2.643
2.802
2.925
3.019
3.092
3.147
3.190
3.223
3.249
3.268
3.283
3.295
3.304
3.311
3.316
3.320
3.323
3.325
3.327
3.329
3.330
3.331
3.331
3.332
3.332
3.332
3.333
3.333
3.333
3.333
3.333
3.333

0
0.435
0.827
1.178
1.490
1.765
2.006
2.216
2.396
2.551
2.683
2.795
2.889
2.969
3.034
3.089
3.135
3.172
3.202
3.228
3.248
3.265
3.278
3.289
3.298
3.305
3.311
3.315
3.319
3.322
3.324
3.326
3.328
3.329
3.330
3.332
3.333

0
0.592
1.502
2.552
3.630
4.666
5.622
6.480
7.234
7.887
8.445
8.917
9.314
9.644
9.917
10.143
10.328
10.479
10.602
10.702
10.783
10.848
10.901
10.943
10.977
11.005
11.026
11.044
11.058
11.069
11.078
11.085
11.090
11.094
11.098
11.107
11.110

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
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19
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COMPOUND INTEREST TABLES


35%

Compound Interest Factors


Single Payment

585
35%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35

1.350
1.822
2.460
3.322
4.484
6.053
8.172
11.032
14.894
20.107
27.144
36.644
49.470
66.784
90.158
121.714
164.314
221.824
299.462
404.274
545.769
736.789
994.665
1 342.8
1 812.8
2 447.2
3 303.8
4 460.1
6 021.1
8 128.5
10 973.5
14 814.3
19 999.3
26 999.0
36 448.7

.7407
.5487
.4064
.3011
.2230
.1652
.1224
.0906
.0671
.0497
.0368
.0273
.0202
.0150
.0111
.00822
.00609
.00451
.00334
.00247
.00183
.00136
.00101
.00074
.00055
.00041
.00030
.00022
.00017
.00012
.00009
.00007
.00005
.00004
.00003

1.0000
.4255
.2397
.1508
.1005
.0693
.0488
.0349
.0252
.0183
.0134
.00982
.00722
.00532
.00393
.00290
.00214
.00158
.00117
.00087
.00064
.00048
.00035
.00026
.00019
.00014
.00011
.00008
.00006
.00004
.00003
.00002
.00002
.00001
.00001

1.3500
.7755
.5897
.5008
.4505
.4193
.3988
.3849
.3752
.3683
.3634
.3598
.3572
.3553
.3539
.3529
.3521
.3516
.3512
.3509
.3506
.3505
.3504
.3503
.3502
.3501
.3501
.3501
.3501
.3500
.3500
.3500
.3500
.3500
.3500

1.000
2.350
4.173
6.633
9.954
14.438
20.492
28.664
39.696
54.590
74.697
101.841
138.485
187.954
254.739
344.897
466.611
630.925
852.748
1 152.2
1 556.5
2 102.3
2 839.0
3 833.7
5 176.5
6 989.3
9 436.5
12 740.3
17 200.4
23 221.6
31 350.1
42 323.7
57 137.9
77 137.2
104 136.3

0.741
1.289
1.696
1.997
2.220
2.385
2.508
2.598
2.665
2.715
2.752
2.779
2.799
2.814
2.825
2.834
2.840
2.844
2.848
2.850
2.852
2.853
2.854
2.855
2.856
2.856
2.856
2.857
2.857
2.857
2.857
2.857
2.857
2.857
2.857

0
0.426
0.803
1.134
1.422
1.670
1.881
2.060
2.209
2.334
2.436
2.520
2.589
2.644
2.689
2.725
2.753
2.776
2.793
2.808
2.819
2.827
2.834
2.839
2.843
2.847
2.849
2.851
2.852
2.853
2.854
2.855
2.855
2.856
2.856

0
0.549
1.362
2.265
3.157
3.983
4.717
5.352
5.889
6.336
6.705
7.005
7.247
7.442
7.597
7.721
7.818
7.895
7.955
8.002
8.038
8.067
8.089
8.106
8.119
8.130
8.137
8.143
8.148
8.152
8.154
8.157
8.158
8.159
8.160

1
2
3
4
5
6
7
8
9
10
11
12
13
14
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17
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586

COMPOUND INTEREST TABLES

40%

Compound Interest Factors


Single Payment

40%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35

1.400
1.960
2.744
3.842
5.378
7.530
10.541
14.758
20.661
28.925
40.496
56.694
79.371
111.120
155.568
217.795
304.913
426.879
597.630
836.682
1 171.4
1 639.9
2 295.9
3 214.2
4 499.9
6 299.8
8 819.8
12 347.7
17 286.7
24 201.4
33 882.0
47 434.8
66 408.7
92 972.1
130 161.0

.7143
.5102
.3644
.2603
.1859
.1328
.0949
.0678
.0484
.0346
.0247
.0176
.0126
.00900
.00643
.00459
.00328
.00234
.00167
.00120
.00085
.00061
.00044
.00031
.00022
.00016
.00011
.00008
.00006
.00004
.00003
.00002
.00002
.00001
.00001

1.0000
.4167
.2294
.1408
.0914
.0613
.0419
.0291
.0203
.0143
.0101
.00718
.00510
.00363
.00259
.00185
.00132
.00094
.00067
.00048
.00034
.00024
.00017
.00012
.00009
.00006
.00005
.00003
.00002
.00002
.00001
.00001
.00001

1.4000
.8167
.6294
.5408
.4914
.4613
.4419
.4291
.4203
.4143
.4101
.4072
.4051
.4036
.4026
.4018
.4013
.4009
.4007
.4005
.4003
.4002
.4002
.4001
.4001
.4001
.4000
.4000
.4000
.4000
.4000
.4000
.4000
.4000
.4000

1.000
2.400
4.360
7.104
10.946
16.324
23.853
34.395
49.153
69.814
98.739
139.235
195.929
275.300
386.420
541.988
759.783
1 064.7
1 419.6
2 089.2
2 925.9
4 097.2
5 737.1
8 033.0
11 247.2
15 747.1
22 046.9
30 866.7
43 214.3
60 501.0
84 702.5
118 584.4
166 019.2
232 427.9
325 400.0

0.714
1.224
1.589
1.849
2.035
2.168
2.263
2.331
2.379
2.414
2.438
2.456
2.469
2.478
2.484
2.489
2.492
2.494
2.496
2.497
2.498
2.498
2.499
2.499
2.499
2.500
2.500
2.500
2.500
2.500
2.500
2.500
2.500
2.500
2.500

0
0.417
0.780
1.092
1.358
1.581
1.766
1.919
2.042
2.142
2.221
2.285
2.334
2.373
2.403
2.426
2.444
2.458
2.468
2.476
2.482
2.487
2.490
2.493
2.494
2.496
2.497
2.498
2.498
2.499
2.499
2.499
2.500
2.500
2.500

0
0.510
1.239
2.020
2.764
3.428
3.997
4.471
4.858
5.170
5.417
5.611
5.762
5.879
5.969
6.038
6.090
6.130
6.160
6.183
6.200
6.213
6.222
6.229
6.235
6.239
6.242
6.244
6.245
6.247
6.248
6.248
6.249
6.249
6.249

1
2
3
4
5
6
7
8
9
10
11
12
13
14
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16
17
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COMPOUND INTEREST TABLES


45%

Compound Interest Factors


Single Payment

587
45%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35

1.450
2.103
3.049
4.421
6.410
9.294
13.476
19.541
28.334
41.085
59.573
86.381
125.252
181.615
263.342
381.846
553.677
802.831
1 164.1
1 688.0
2 447.5
3 548.9
5 145.9
7 461.6
10 819.3
15 688.0
22 747.7
32 984.1
47 826.9
69 349.1
100 556.1
145 806.4
211 419.3
306 558.0
444 509.2

.6897
.4756
.3280
.2262
.1560
.1076
.0742
.0512
.0353
.0243
.0168
.0116
.00798
.00551
.00380
.00262
.00181
.00125
.00086
.00059
.00041
.00028
.00019
.00013
.00009
.00006
.00004
.00003
.00002
.00001
.00001
.00001

1.0000
.4082
.2197
.1316
.0832
.0543
.0361
.0243
.0165
.0112
.00768
.00527
.00362
.00249
.00172
.00118
.00081
.00056
.00039
.00027
.00018
.00013
.00009
.00006
.00004
.00003
.00002
.00001
.00001
.00001

1.4500
.8582
.6697
.5816
.5332
.5043
.4861
.4743
.4665
.4612
.4577
.4553
.4536
.4525
.4517
.4512
.4508
.4506
.4504
.4503
.4502
.4501
.4501
.4501
.4500
.4500
.4500
.4500
.4500
.4500
.4500
.4500
.4500
.4500
.4500

1.000
2.450
4.553
7.601
12.022
18.431
27.725
41.202
60.743
89.077
130.162
189.735
276.115
401.367
582.982
846.325
1 228.2
1 781.8
2 584.7
3 748.8
5 436.7
7 884.3
11 433.2
16 579.1
24 040.7
34 860.1
50 548.1
73 295.8
106 279.9
154 106.8
223 455.9
324 012.0
469 818.5
681 237.8
987 795.9

0.690
1.165
1.493
1.720
1.876
1.983
2.057
2.109
2.144
2.168
2.185
2.196
2.204
2.210
2.214
2.216
2.218
2.219
2.220
2.221
2.221
2.222
2.222
2.222
2.222
2.222
2.222
2.222
2.222
2.222
2.222
2.222
2.222
2.222
2.222

0
0.408
0.758
1.053
1.298
1.499
1.661
1.791
1.893
1.973
2.034
2.082
2.118
2.145
2.165
2.180
2.191
2.200
2.206
2.210
2.214
2.216
2.218
2.219
2.220
2.221
2.221
2.221
2.222
2.222
2.222
2.222
2.222
2.222
2.222

0
0.476
1.132
1.810
2.434
2.972
3.418
3.776
4.058
4.277
4.445
4.572
4.668
4.740
4.793
4.832
4.861
4.882
4.898
4.909
4.917
4.923
4.927
4.930
4.933
4.934
4.935
4.936
4.937
4.937
4.938
4.938
4.938
4.938
4.938

1
2
3
4
5
6
7
8
9
10
11
12
13
14
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588

COMPOUND INTEREST TABLES

50%

Compound Interest Factors


Single Payment

50%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32

1.500
2.250
3.375
5.063
7.594
11.391
17.086
25.629
38.443
57.665
86.498
129.746
194.620
291.929
437.894
656.814
985.261
1 477.9
2 216.8
3 325.3
4 987.9
7 481.8
11 222.7
16 834.1
25 251.2
37 876.8
56 815.1
85 222.7
127 834.0
191 751.1
287 626.6
431 439.9

.6667
.4444
.2963
.1975
.1317
.0878
.0585
.0390
.0260
.0173
.0116
.00771
.00514
.00343
.00228
.00152
.00101
.00068
.00045
.00030
.00020
.00013
.00009
.00006
.00004
.00003
.00002
.00001
.00001
.00001

1.0000
.4000
.2105
.1231
.0758
.0481
.0311
.0203
.0134
.00882
.00585
.00388
.00258
.00172
.00114
.00076
.00051
.00034
.00023
.00015
.00010
.00007
.00004
.00003
.00002
.00001
.00001
.00001

1.5000
.9000
.7105
.6231
.5758
.5481
.5311
.5203
.5134
.5088
.5058
.5039
.5026
.5017
.5011
.5008
.5005
.5003
.5002
.5002
.5001
.5001
.5000
.5000
.5000
.5000
.5000
.5000
.5000
.5000
.5000
.5000

1.000
2.500
4.750
8.125
13.188
20.781
32.172
49.258
74.887
113.330
170.995
257.493
387.239
581.859
873.788
1 311.7
1 968.5
2 953.8
4 431.7
6 648.5
9 973.8
14 961.7
22 443.5
33 666.2
50 500.3
75 751.5
113 628.3
170 443.4
255 666.1
383 500.1
575 251.2
862 877.8

0.667
1.111
1.407
1.605
1.737
1.824
1.883
1.922
1.948
1.965
1.977
1.985
1.990
1.993
1.995
1.997
1.998
1.999
1.999
1.999
2.000
2.000
2.000
2.000
2.000
2.000
2.000
2.000
2.000
2.000
2.000
2.000

0
0.400
0.737
1.015
1.242
1.423
1.565
1.675
1.760
1.824
1.871
1.907
1.933
1.952
1.966
1.976
1.983
1.988
1.991
1.994
1.996
1.997
1.998
1.999
1.999
1.999
2.000
2.000
2.000
2.000
2.000
2.000

0
0.444
1.037
1.630
2.156
2.595
2.947
3.220
3.428
3.584
3.699
3.784
3.846
3.890
3.922
3.945
3.961
3.973
3.981
3.987
3.991
3.994
3.996
3.997
3.998
3.999
3.999
3.999
4.000
4.000
4.000
4.000

1
2
3
4
5
6
7
8
9
10
11
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COMPOUND INTEREST TABLES


60%

Compound Interest Factors


Single Payment

589
60%

Uniform Payment Series

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28

1.600
2.560
4.096
6.554
10.486
16.777
26.844
42.950
68.719
109.951
175.922
281.475
450.360
720.576
1 152.9
1 844.7
2 951.5
4 722.4
7 555.8
12 089.3
19 342.8
30 948.5
49 517.6
79 228.1
126 765.0
202 824.0
324 518.4
519 229.5

.6250
.3906
.2441
.1526
.0954
.0596
.0373
.0233
.0146
.00909
.00568
.00355
.00222
.00139
.00087
.00054
.00034
.00021
.00013
.00008
.00005
.00003
.00002
.00001
.00001

1.0000
.3846
.1938
.1080
.0633
.0380
.0232
.0143
.00886
.00551
.00343
.00214
.00134
.00083
.00052
.00033
.00020
.00013
.00008
.00005
.00003
.00002
.00001
.00001

1.6000
.9846
.7938
.7080
.6633
.6380
.6232
.6143
.6089
.6055
.6034
.6021
.6013
.6008
.6005
.6003
.6002
.6001
.6011
.6000
.6000
.6000
.6000
.6000
.6000
.6000
.6000
.6000

1.000
2.600
5.160
9.256
15.810
26.295
43.073
69.916
112.866
181.585
291.536
467.458
748.933
1 199.3
1 919.9
3 072.8
4 917.5
7 868.9
12 591.3
20 147.1
32 236.3
51 579.2
82 527.6
132 045.2
211 273.4
338 038.4
540 862.4
865 380.9

0.625
1.016
1.260
1.412
1.508
1.567
1.605
1.628
1.642
1.652
1.657
1.661
1.663
1.664
1.665
1.666
1.666
1.666
1.666
1.667
1.667
1.667
1.667
1.667
1.667
1.667
1.667
1.667

0
0.385
0.698
0.946
1.140
1.286
1.396
1.476
1.534
1.575
1.604
1.624
1.638
1.647
1.654
1.658
1.661
1.663
1.664
1.665
1.666
1.666
1.666
1.666
1.666
1.667
1.667
1.667

0
0.391
0.879
1.337
1.718
2.016
2.240
2.403
2.519
2.601
2.658
2.697
2.724
2.742
2.754
2.762
2.767
2.771
2.773
2.775
2.776
2.777
2.777
2.777
2.777
2.778
2.778
2.778

1
2
3
4
5
6
7
8
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590

COMPOUND INTEREST TABLES


Continuous CompoundingSingle Payment Factors

rn

Compound
Amount
Factor
ern
Find F
Given P
F/P

Present
Worth
Factor
ern
Find P
Given F
P/F

.01
.02
.03
.04
.05
.06
.07
.08
.09
.10
.11
.12
.13
.14
.15
.16
.17
.18
.19
.20
.21
.22
.23
.24
.25
.26
.27
.28
.29
.30
.31
.32
.33
.34
.35
.36
.37
.38
.39
.40
.41
.42
.43
.44
.45
.46
.47
.48
.49
.50

1.0101
1.0202
1.0305
1.0408
1.0513
1.0618
1.0725
1.0833
1.0942
1.1052
1.1163
1.1275
1.1388
1.1503
1.1618
1.1735
1.1853
1.1972
1.2092
1.2214
1.2337
1.2461
1.2586
1.2712
1.2840
1.2969
1.3100
1.3231
1.3364
1.3499
1.3634
1.3771
1.3910
1.4049
1.4191
1.4333
1.4477
1.4623
1.4770
1.4918
1.5068
1.5220
1.5373
1.5527
1.5683
1.5841
1.6000
1.6161
1.6323
1.6487

.9900
.9802
.9704
.9608
.9512
.9418
.9324
.9231
.9139
.9048
.8958
.8869
.8781
.8694
.8607
.8521
.8437
.8353
.8270
.8187
.8106
.8025
.7945
.7866
.7788
.7711
.7634
.7558
.7483
.7408
.7334
.7261
.7189
.7118
.7047
.6977
.6907
.6839
.6771
.6703
.6637
.6570
.6505
.6440
.6376
.6313
.6250
.6188
.6126
.6065

rn

Compound
Amount
Factor
ern
Find F
Given P
F/P

Present
Worth
Factor
ern
Find P
Given F
P/F

.51
.52
.53
.54
.55
.56
.57
.58
.59
.60
.61
.62
.63
.64
.65
.66
.67
.68
.69
.70
.71
.72
.73
.74
.75
.76
.77
.78
.79
.80
.81
.82
.83
.84
.85
.86
.87
.88
.89
.90
.91
.92
.93
.94
.95
.96
.97
.98
.99
1.00

1.6653
1.6820
1.6989
1.7160
1.7333
1.7507
1.7683
1.7860
1.8040
1.8221
1.8404
1.8589
1.8776
1.8965
1.9155
1.9348
1.9542
1.9739
1.9937
2.0138
2.0340
2.0544
2.0751
2.0959
2.1170
2.1383
2.1598
2.1815
2.2034
2.2255
2.2479
2.2705
2.2933
2.3164
2.3396
2.3632
2.3869
2.4109
2.4351
2.4596
2.4843
2.5093
2.5345
2.5600
2.5857
2.6117
2.6379
2.6645
2.6912
2.7183

.6005
.5945
.5886
.5827
.5769
.5712
.5655
.5599
.5543
.5488
.5434
.5379
.5326
.5273
.5220
.5169
.5117
.5066
.5016
.4966
.4916
.4868
.4819
.4771
.4724
.4677
.4630
.4584
.4538
.4493
.4449
.4404
.4360
.4317
.4274
.4232
.4190
.4148
.4107
.4066
.4025
.3985
.3946
.3906
.3867
.3829
.3791
.3753
.3716
.3679