TIME VALUE OF MONEY TABLES

Change figures in blue cells to obtain interest factors you might need for other n and i
------- ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ -----------------PRESENT VALUE OF $1
n
1%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
4.5%
5.0%
6.0%
7.0%
8.0%
9.0%
10.0%
------- ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ -----------------1
0.99010
0.98522
0.98039
0.97561
0.97087
0.96618
0.96154
0.95694
0.95238
0.94340
0.93458
0.92593
0.91743
0.90909
2
0.98030
0.97066
0.96117
0.95181
0.94260
0.93351
0.92456
0.91573
0.90703
0.89000
0.87344
0.85734
0.84168
0.82645
3
0.97059
0.95632
0.94232
0.92860
0.91514
0.90194
0.88900
0.87630
0.86384
0.83962
0.81630
0.79383
0.77218
0.75131
4
0.96098
0.94218
0.92385
0.90595
0.88849
0.87144
0.85480
0.83856
0.82270
0.79209
0.76290
0.73503
0.70843
0.68301
5
0.95147
0.92826
0.90573
0.88385
0.86261
0.84197
0.82193
0.80245
0.78353
0.74726
0.71299
0.68058
0.64993
0.62092
6
7
8
9
10

0.94205
0.93272
0.92348
0.91434
0.90529

0.91454
0.90103
0.88771
0.87459
0.86167

0.88797
0.87056
0.85349
0.83676
0.82035

0.86230
0.84127
0.82075
0.80073
0.78120

0.83748
0.81309
0.78941
0.76642
0.74409

0.81350
0.78599
0.75941
0.73373
0.70892

0.79031
0.75992
0.73069
0.70259
0.67556

0.76790
0.73483
0.70319
0.67290
0.64393

0.74622
0.71068
0.67684
0.64461
0.61391

0.70496
0.66506
0.62741
0.59190
0.55839

0.66634
0.62275
0.58201
0.54393
0.50835

0.63017
0.58349
0.54027
0.50025
0.46319

0.59627
0.54703
0.50187
0.46043
0.42241

0.56447
0.51316
0.46651
0.42410
0.38554

11
12
13
14
15

0.89632
0.88745
0.87866
0.86996
0.86135

0.84893
0.83639
0.82403
0.81185
0.79985

0.80426
0.78849
0.77303
0.75788
0.74301

0.76214
0.74356
0.72542
0.70773
0.69047

0.72242
0.70138
0.68095
0.66112
0.64186

0.68495
0.66178
0.63940
0.61778
0.59689

0.64958
0.62460
0.60057
0.57748
0.55526

0.61620
0.58966
0.56427
0.53997
0.51672

0.58468
0.55684
0.53032
0.50507
0.48102

0.52679
0.49697
0.46884
0.44230
0.41727

0.47509
0.44401
0.41496
0.38782
0.36245

0.42888
0.39711
0.36770
0.34046
0.31524

0.38753
0.35553
0.32618
0.29925
0.27454

0.35049
0.31863
0.28966
0.26333
0.23939

16
17
18
19
20

0.85282
0.84438
0.83602
0.82774
0.81954

0.78803
0.77639
0.76491
0.75361
0.74247

0.72845
0.71416
0.70016
0.68643
0.67297

0.67362
0.65720
0.64117
0.62553
0.61027

0.62317
0.60502
0.58739
0.57029
0.55368

0.57671
0.55720
0.53836
0.52016
0.50257

0.53391
0.51337
0.49363
0.47464
0.45639

0.49447
0.47318
0.45280
0.43330
0.41464

0.45811
0.43630
0.41552
0.39573
0.37689

0.39365
0.37136
0.35034
0.33051
0.31180

0.33873
0.31657
0.29586
0.27651
0.25842

0.29189
0.27027
0.25025
0.23171
0.21455

0.25187
0.23107
0.21199
0.19449
0.17843

0.21763
0.19784
0.17986
0.16351
0.14864

21
22
23
24
25

0.81143
0.80340
0.79544
0.78757
0.77977

0.73150
0.72069
0.71004
0.69954
0.68921

0.65978
0.64684
0.63416
0.62172
0.60953

0.59539
0.58086
0.56670
0.55288
0.53939

0.53755
0.52189
0.50669
0.49193
0.47761

0.48557
0.46915
0.45329
0.43796
0.42315

0.43883
0.42196
0.40573
0.39012
0.37512

0.39679
0.37970
0.36335
0.34770
0.33273

0.35894
0.34185
0.32557
0.31007
0.29530

0.29416
0.27751
0.26180
0.24698
0.23300

0.24151
0.22571
0.21095
0.19715
0.18425

0.19866
0.18394
0.17032
0.15770
0.14602

0.16370
0.15018
0.13778
0.12640
0.11597

0.13513
0.12285
0.11168
0.10153
0.09230

26
27
28
29
30

0.77205
0.76440
0.75684
0.74934
0.74192

0.67902
0.66899
0.65910
0.64936
0.63976

0.59758
0.58586
0.57437
0.56311
0.55207

0.52623
0.51340
0.50088
0.48866
0.47674

0.46369
0.45019
0.43708
0.42435
0.41199

0.40884
0.39501
0.38165
0.36875
0.35628

0.36069
0.34682
0.33348
0.32065
0.30832

0.31840
0.30469
0.29157
0.27902
0.26700

0.28124
0.26785
0.25509
0.24295
0.23138

0.21981
0.20737
0.19563
0.18456
0.17411

0.17220
0.16093
0.15040
0.14056
0.13137

0.13520
0.12519
0.11591
0.10733
0.09938

0.10639
0.09761
0.08955
0.08215
0.07537

0.08391
0.07628
0.06934
0.06304
0.05731

31
32
33
34
35

0.73458
0.72730
0.72010
0.71297
0.70591

0.63031
0.62099
0.61182
0.60277
0.59387

0.54125
0.53063
0.52023
0.51003
0.50003

0.46511
0.45377
0.44270
0.43191
0.42137

0.39999
0.38834
0.37703
0.36604
0.35538

0.34423
0.33259
0.32134
0.31048
0.29998

0.29646
0.28506
0.27409
0.26355
0.25342

0.25550
0.24450
0.23397
0.22390
0.21425

0.22036
0.20987
0.19987
0.19035
0.18129

0.16425
0.15496
0.14619
0.13791
0.13011

0.12277
0.11474
0.10723
0.10022
0.09366

0.09202
0.08520
0.07889
0.07305
0.06763

0.06915
0.06344
0.05820
0.05339
0.04899

0.05210
0.04736
0.04306
0.03914
0.03558

36
37
38
39
40

0.69892
0.69200
0.68515
0.67837
0.67165

0.58509
0.57644
0.56792
0.55953
0.55126

0.49022
0.48061
0.47119
0.46195
0.45289

0.41109
0.40107
0.39128
0.38174
0.37243

0.34503
0.33498
0.32523
0.31575
0.30656

0.28983
0.28003
0.27056
0.26141
0.25257

0.24367
0.23430
0.22529
0.21662
0.20829

0.20503
0.19620
0.18775
0.17967
0.17193

0.17266
0.16444
0.15661
0.14915
0.14205

0.12274
0.11579
0.10924
0.10306
0.09722

0.08754
0.08181
0.07646
0.07146
0.06678

0.06262
0.05799
0.05369
0.04971
0.04603

0.04494
0.04123
0.03783
0.03470
0.03184

0.03235
0.02941
0.02673
0.02430
0.02209

Page 489

------- ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ -----------------FUTURE VALUE OF $1
n
1.0%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
4.5%
5.0%
6.0%
7.0%
8.0%
9.0%
10.0%
------- ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ -----------------1
1.01000
1.01515
1.02031
1.02551
1.03078
1.03610
1.04147
1.04691
1.05241
1.06324
1.07459
1.08622
1.09813
1.11034
2
1.02010
1.03023
1.04040
1.05063
1.06090
1.07123
1.08160
1.09203
1.10250
1.12360
1.14490
1.16640
1.18810
1.21000
3
1.03030
1.04568
1.06121
1.07689
1.09273
1.10872
1.12486
1.14117
1.15763
1.19102
1.22504
1.25971
1.29503
1.33100
4
1.04060
1.06136
1.08243
1.10381
1.12551
1.14752
1.16986
1.19252
1.21551
1.26248
1.31080
1.36049
1.41158
1.46410
5
1.05101
1.07728
1.10408
1.13141
1.15927
1.18769
1.21665
1.24618
1.27628
1.33823
1.40255
1.46933
1.53862
1.61051
6
7
8
9
10

1.06152
1.07214
1.08286
1.09369
1.10462

1.09344
1.10984
1.12649
1.14339
1.16054

1.12616
1.14869
1.17166
1.19509
1.21899

1.15969
1.18869
1.21840
1.24886
1.28008

1.19405
1.22987
1.26677
1.30477
1.34392

1.22926
1.27228
1.31681
1.36290
1.41060

1.26532
1.31593
1.36857
1.42331
1.48024

1.30226
1.36086
1.42210
1.48610
1.55297

1.34010
1.40710
1.47746
1.55133
1.62889

1.41852
1.50363
1.59385
1.68948
1.79085

1.50073
1.60578
1.71819
1.83846
1.96715

1.58687
1.71382
1.85093
1.99900
2.15892

1.67710
1.82804
1.99256
2.17189
2.36736

1.77156
1.94872
2.14359
2.35795
2.59374

11
12
13
14
15

1.11567
1.12683
1.13809
1.14947
1.16097

1.17795
1.19562
1.21355
1.23176
1.25023

1.24337
1.26824
1.29361
1.31948
1.34587

1.31209
1.34489
1.37851
1.41297
1.44830

1.38423
1.42576
1.46853
1.51259
1.55797

1.45997
1.51107
1.56396
1.61869
1.67535

1.53945
1.60103
1.66507
1.73168
1.80094

1.62285
1.69588
1.77220
1.85194
1.93528

1.71034
1.79586
1.88565
1.97993
2.07893

1.89830
2.01220
2.13293
2.26090
2.39656

2.10485
2.25219
2.40985
2.57853
2.75903

2.33164
2.51817
2.71962
2.93719
3.17217

2.58043
2.81266
3.06580
3.34173
3.64248

2.85312
3.13843
3.45227
3.79750
4.17725

16
17
18
19
20

1.17258
1.18430
1.19615
1.20811
1.22019

1.26899
1.28802
1.30734
1.32695
1.34686

1.37279
1.40024
1.42825
1.45681
1.48595

1.48451
1.52162
1.55966
1.59865
1.63862

1.60471
1.65285
1.70243
1.75351
1.80611

1.73399
1.79468
1.85749
1.92250
1.98979

1.87298
1.94790
2.02582
2.10685
2.19112

2.02237
2.11338
2.20848
2.30786
2.41171

2.18287
2.29202
2.40662
2.52695
2.65330

2.54035
2.69277
2.85434
3.02560
3.20714

2.95216
3.15882
3.37993
3.61653
3.86968

3.42594
3.70002
3.99602
4.31570
4.66096

3.97031
4.32763
4.71712
5.14166
5.60441

4.59497
5.05447
5.55992
6.11591
6.72750

21
22
23
24
25

1.23239
1.24472
1.25716
1.26973
1.28243

1.36706
1.38756
1.40838
1.42950
1.45095

1.51567
1.54598
1.57690
1.60844
1.64061

1.67958
1.72157
1.76461
1.80873
1.85394

1.86029
1.91610
1.97359
2.03279
2.09378

2.05943
2.13151
2.20611
2.28333
2.36324

2.27877
2.36992
2.46472
2.56330
2.66584

2.52024
2.63365
2.75217
2.87601
3.00543

2.78596
2.92526
3.07152
3.22510
3.38635

3.39956
3.60354
3.81975
4.04893
4.29187

4.14056
4.43040
4.74053
5.07237
5.42743

5.03383
5.43654
5.87146
6.34118
6.84848

6.10881
6.65860
7.25787
7.91108
8.62308

7.40025
8.14027
8.95430
9.84973
10.83471

26
27
28
29
30

1.29526
1.30821
1.32129
1.33450
1.34785

1.47271
1.49480
1.51722
1.53998
1.56308

1.67342
1.70689
1.74102
1.77584
1.81136

1.90029
1.94780
1.99650
2.04641
2.09757

2.15659
2.22129
2.28793
2.35657
2.42726

2.44596
2.53157
2.62017
2.71188
2.80679

2.77247
2.88337
2.99870
3.11865
3.24340

3.14068
3.28201
3.42970
3.58404
3.74532

3.55567
3.73346
3.92013
4.11614
4.32194

4.54938
4.82235
5.11169
5.41839
5.74349

5.80735
6.21387
6.64884
7.11426
7.61226

7.39635
7.98806
8.62711
9.31727
10.06266

9.39916
10.24508
11.16714
12.17218
13.26768

11.91818
13.10999
14.42099
15.86309
17.44940

31
32
33
34
35

1.36133
1.37494
1.38869
1.40258
1.41660

1.58653
1.61032
1.63448
1.65900
1.68388

1.84759
1.88454
1.92223
1.96068
1.99989

2.15001
2.20376
2.25885
2.31532
2.37321

2.50008
2.57508
2.65234
2.73191
2.81386

2.90503
3.00671
3.11194
3.22086
3.33359

3.37313
3.50806
3.64838
3.79432
3.94609

3.91386
4.08998
4.27403
4.46636
4.66735

4.53804
4.76494
5.00319
5.25335
5.51602

6.08810
6.45339
6.84059
7.25103
7.68609

8.14511
8.71527
9.32534
9.97811
10.67658

10.86767
11.73708
12.67605
13.69013
14.78534

14.46177
15.76333
17.18203
18.72841
20.41397

19.19434
21.11378
23.22515
25.54767
28.10244

36
37
38
39
40

1.43077
1.44508
1.45953
1.47412
1.48886

1.70914
1.73478
1.76080
1.78721
1.81402

2.03989
2.08069
2.12230
2.16474
2.20804

2.43254
2.49335
2.55568
2.61957
2.68506

2.89828
2.98523
3.07478
3.16703
3.26204

3.45027
3.57103
3.69601
3.82537
3.95926

4.10393
4.26809
4.43881
4.61637
4.80102

4.87738
5.09686
5.32622
5.56590
5.81636

5.79182
6.08141
6.38548
6.70475
7.03999

8.14725
8.63609
9.15425
9.70351
10.28572

11.42394
12.22362
13.07927
13.99482
14.97446

15.96817
17.24563
18.62528
20.11530
21.72452

22.25123
24.25384
26.43668
28.81598
31.40942

30.91268
34.00395
37.40434
41.14478
45.25926

Page 490

------- ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ -----------------PRESENT VALUE OF AN ORDINARY ANNUITY OF $1
n
1.0%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
4.5%
5.0%
6.0%
7.0%
8.0%
9.0%
10.0%
------- ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ -----------------1
0.99010
0.98522
0.98039
0.97561
0.97087
0.96618
0.96154
0.95694
0.95238
0.94340
0.93458
0.92593
0.91743
0.90909
2
1.97040
1.95588
1.94156
1.92742
1.91347
1.89969
1.88609
1.87267
1.85941
1.83339
1.80802
1.78326
1.75911
1.73554
3
2.94099
2.91220
2.88388
2.85602
2.82861
2.80164
2.77509
2.74896
2.72325
2.67301
2.62432
2.57710
2.53129
2.48685
4
3.90197
3.85438
3.80773
3.76197
3.71710
3.67308
3.62990
3.58753
3.54595
3.46511
3.38721
3.31213
3.23972
3.16987
5
4.85343
4.78264
4.71346
4.64583
4.57971
4.51505
4.45182
4.38998
4.32948
4.21236
4.10020
3.99271
3.88965
3.79079
6
7
8
9
10

5.79548
6.72819
7.65168
8.56602
9.47130

5.69719
6.59821
7.48593
8.36052
9.22218

5.60143
6.47199
7.32548
8.16224
8.98259

5.50813
6.34939
7.17014
7.97087
8.75206

5.41719
6.23028
7.01969
7.78611
8.53020

5.32855
6.11454
6.87396
7.60769
8.31661

5.24214
6.00205
6.73274
7.43533
8.11090

5.15787
5.89270
6.59589
7.26879
7.91272

5.07569
5.78637
6.46321
7.10782
7.72173

4.91732
5.58238
6.20979
6.80169
7.36009

4.76654
5.38929
5.97130
6.51523
7.02358

4.62288
5.20637
5.74664
6.24689
6.71008

4.48592
5.03295
5.53482
5.99525
6.41766

4.35526
4.86842
5.33493
5.75902
6.14457

11
12
13
14
15

10.36763
11.25508
12.13374
13.00370
13.86505

10.07112
10.90751
11.73153
12.54338
13.34323

9.78685
10.57534
11.34837
12.10625
12.84926

9.51421
10.25776
10.98318
11.69091
12.38138

9.25262
9.95400
10.63496
11.29607
11.93794

9.00155
9.66333
10.30274
10.92052
11.51741

8.76048
9.38507
9.98565
10.56312
11.11839

8.52892
9.11858
9.68285
10.22283
10.73955

8.30641
8.86325
9.39357
9.89864
10.37966

7.88687
8.38384
8.85268
9.29498
9.71225

7.49867
7.94269
8.35765
8.74547
9.10791

7.13896
7.53608
7.90378
8.24424
8.55948

6.80519
7.16073
7.48690
7.78615
8.06069

6.49506
6.81369
7.10336
7.36669
7.60608

16
17
18
19
20

14.71787
15.56225
16.39827
17.22601
18.04555

14.13126
14.90765
15.67256
16.42617
17.16864

13.57771
14.29187
14.99203
15.67846
16.35143

13.05500
13.71220
14.35336
14.97889
15.58916

12.56110
13.16612
13.75351
14.32380
14.87747

12.09412
12.65132
13.18968
13.70984
14.21240

11.65230
12.16567
12.65930
13.13394
13.59033

11.23402
11.70719
12.15999
12.59329
13.00794

10.83777
11.27407
11.68959
12.08532
12.46221

10.10590
10.47726
10.82760
11.15812
11.46992

9.44665
9.76322
10.05909
10.33560
10.59401

8.85137
9.12164
9.37189
9.60360
9.81815

8.31256
8.54363
8.75563
8.95011
9.12855

7.82371
8.02155
8.20141
8.36492
8.51356

21
22
23
24
25

18.85698
19.66038
20.45582
21.24339
22.02316

17.90014
18.62082
19.33086
20.03041
20.71961

17.01121
17.65805
18.29220
18.91393
19.52346

16.18455
16.76541
17.33211
17.88499
18.42438

15.41502
15.93692
16.44361
16.93554
17.41315

14.69797
15.16712
15.62041
16.05837
16.48151

14.02916
14.45112
14.85684
15.24696
15.62208

13.40472
13.78442
14.14777
14.49548
14.82821

12.82115
13.16300
13.48857
13.79864
14.09394

11.76408
12.04158
12.30338
12.55036
12.78336

10.83553
11.06124
11.27219
11.46933
11.65358

10.01680
10.20074
10.37106
10.52876
10.67478

9.29224
9.44243
9.58021
9.70661
9.82258

8.64869
8.77154
8.88322
8.98474
9.07704

26
27
28
29
30

22.79520
23.55961
24.31644
25.06579
25.80771

21.39863
22.06762
22.72672
23.37608
24.01584

20.12104
20.70690
21.28127
21.84438
22.39646

18.95061
19.46401
19.96489
20.45355
20.93029

17.87684
18.32703
18.76411
19.18845
19.60044

16.89035
17.28536
17.66702
18.03577
18.39205

15.98277
16.32959
16.66306
16.98371
17.29203

15.14661
15.45130
15.74287
16.02189
16.28889

14.37519
14.64303
14.89813
15.14107
15.37245

13.00317
13.21053
13.40616
13.59072
13.76483

11.82578
11.98671
12.13711
12.27767
12.40904

10.80998
10.93516
11.05108
11.15841
11.25778

9.92897
10.02658
10.11613
10.19828
10.27365

9.16095
9.23722
9.30657
9.36961
9.42691

31
32
33
34
35

26.54229
27.26959
27.98969
28.70267
29.40858

24.64615
25.26714
25.87895
26.48173
27.07559

22.93770
23.46833
23.98856
24.49859
24.99862

21.39541
21.84918
22.29188
22.72379
23.14516

20.00043
20.38877
20.76579
21.13184
21.48722

18.73628
19.06887
19.39021
19.70068
20.00066

17.58849
17.87355
18.14765
18.41120
18.66461

16.54439
16.78889
17.02286
17.24676
17.46101

15.59281
15.80268
16.00255
16.19290
16.37419

13.92909
14.08404
14.23023
14.36814
14.49825

12.53181
12.64656
12.75379
12.85401
12.94767

11.34980
11.43500
11.51389
11.58693
11.65457

10.34280
10.40624
10.46444
10.51784
10.56682

9.47901
9.52638
9.56943
9.60857
9.64416

36
37
38
39
40

30.10751
30.79951
31.48466
32.16303
32.83469

27.66068
28.23713
28.80505
29.36458
29.91585

25.48884
25.96945
26.44064
26.90259
27.35548

23.55625
23.95732
24.34860
24.73034
25.10278

21.83225
22.16724
22.49246
22.80822
23.11477

20.29049
20.57053
20.84109
21.10250
21.35507

18.90828
19.14258
19.36786
19.58448
19.79277

17.66604
17.86224
18.04999
18.22966
18.40158

16.54685
16.71129
16.86789
17.01704
17.15909

14.62099
14.73678
14.84602
14.94907
15.04630

13.03521
13.11702
13.19347
13.26493
13.33171

11.71719
11.77518
11.82887
11.87858
11.92461

10.61176
10.65299
10.69082
10.72552
10.75736

9.67651
9.70592
9.73265
9.75696
9.77905

Page 491

------- ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ -----------------FUTURE AMOUNT OF AN ORDINARY ANNUITY OF $1
n
1.0%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
4.5%
5.0%
6.0%
7.0%
8.0%
9.0%
10.0%
------- ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ ------------------ -----------------1
1.00000
1.00000
1.00000
1.00000
1.00000
1.00000
1.00000
1.00000
1.00000
1.00000
1.00000
1.00000
1.00000
1.00000
2
2.01000
2.01500
2.02000
2.02500
2.03000
2.03500
2.04000
2.04500
2.05000
2.06000
2.07000
2.08000
2.09000
2.10000
3
3.03010
3.04522
3.06040
3.07562
3.09090
3.10623
3.12160
3.13703
3.15250
3.18360
3.21490
3.24640
3.27810
3.31000
4
4.06040
4.09090
4.12161
4.15252
4.18363
4.21494
4.24646
4.27819
4.31013
4.37462
4.43994
4.50611
4.57313
4.64100
5
5.10101
5.15227
5.20404
5.25633
5.30914
5.36247
5.41632
5.47071
5.52563
5.63709
5.75074
5.86660
5.98471
6.10510
6
7
8
9
10

6.15202
7.21354
8.28567
9.36853
10.46221

6.22955
7.32299
8.43284
9.55933
10.70272

6.30812
7.43428
8.58297
9.75463
10.94972

6.38774
7.54743
8.73612
9.95452
11.20338

6.46841
7.66246
8.89234
10.15911
11.46388

6.55015
7.77941
9.05169
10.36850
11.73139

6.63298
7.89829
9.21423
10.58280
12.00611

6.71689
8.01915
9.38001
10.80211
12.28821

6.80191
8.14201
9.54911
11.02656
12.57789

6.97532
8.39384
9.89747
11.49132
13.18079

7.15329
8.65402
10.25980
11.97799
13.81645

7.33593
8.92280
10.63663
12.48756
14.48656

7.52333
9.20043
11.02847
13.02104
15.19293

7.71561
9.48717
11.43589
13.57948
15.93742

11
12
13
14
15

11.56683
12.68250
13.80933
14.94742
16.09690

11.86326
13.04121
14.23683
15.45038
16.68214

12.16872
13.41209
14.68033
15.97394
17.29342

12.48347
13.79555
15.14044
16.51895
17.93193

12.80780
14.19203
15.61779
17.08632
18.59891

13.14199
14.60196
16.11303
17.67699
19.29568

13.48635
15.02581
16.62684
18.29191
20.02359

13.84118
15.46403
17.15991
18.93211
20.78405

14.20679
15.91713
17.71298
19.59863
21.57856

14.97164
16.86994
18.88214
21.01507
23.27597

15.78360
17.88845
20.14064
22.55049
25.12902

16.64549
18.97713
21.49530
24.21492
27.15211

17.56029
20.14072
22.95338
26.01919
29.36092

18.53117
21.38428
24.52271
27.97498
31.77248

16
17
18
19
20

17.25786
18.43044
19.61475
20.81090
22.01900

17.93237
19.20136
20.48938
21.79672
23.12367

18.63929
20.01207
21.41231
22.84056
24.29737

19.38022
20.86473
22.38635
23.94601
25.54466

20.15688
21.76159
23.41444
25.11687
26.87037

20.97103
22.70502
24.49969
26.35718
28.27968

21.82453
23.69751
25.64541
27.67123
29.77808

22.71934
24.74171
26.85508
29.06356
31.37142

23.65749
25.84037
28.13238
30.53900
33.06595

25.67253
28.21288
30.90565
33.75999
36.78559

27.88805
30.84022
33.99903
37.37896
40.99549

30.32428
33.75023
37.45024
41.44626
45.76196

33.00340
36.97370
41.30134
46.01846
51.16012

35.94973
40.54470
45.59917
51.15909
57.27500

21
22
23
24
25

23.23919
24.47159
25.71630
26.97346
28.24320

24.47052
25.83758
27.22514
28.63352
30.06302

25.78332
27.29898
28.84496
30.42186
32.03030

27.18327
28.86286
30.58443
32.34904
34.15776

28.67649
30.53678
32.45288
34.42647
36.45926

30.26947
32.32890
34.46041
36.66653
38.94986

31.96920
34.24797
36.61789
39.08260
41.64591

33.78314
36.30338
38.93703
41.68920
44.56521

35.71925
38.50521
41.43048
44.50200
47.72710

39.99273
43.39229
46.99583
50.81558
54.86451

44.86518
49.00574
53.43614
58.17667
63.24904

50.42292
55.45676
60.89330
66.76476
73.10594

56.76453
62.87334
69.53194
76.78981
84.70090

64.00250
71.40275
79.54302
88.49733
98.34706

26
27
28
29
30

29.52563
30.82089
32.12910
33.45039
34.78489

31.51397
32.98668
34.48148
35.99870
37.53868

33.67091
35.34432
37.05121
38.79223
40.56808

36.01171
37.91200
39.85980
41.85630
43.90270

38.55304
40.70963
42.93092
45.21885
47.57542

41.31310
43.75906
46.29063
48.91080
51.62268

44.31174
47.08421
49.96758
52.96629
56.08494

47.57064
50.71132
53.99333
57.42303
61.00707

51.11345
54.66913
58.40258
62.32271
66.43885

59.15638
63.70577
68.52811
73.63980
79.05819

68.67647
74.48382
80.69769
87.34653
94.46079

79.95442
87.35077
95.33883
103.96594
113.28321

93.32398
102.72313
112.96822
124.13536
136.30754

109.18177
121.09994
134.20994
148.63093
164.49402

31
32
33
34
35

36.13274
37.49407
38.86901
40.25770
41.66028

39.10176
40.68829
42.29861
43.93309
45.59209

42.37944
44.22703
46.11157
48.03380
49.99448

46.00027
48.15028
50.35403
52.61289
54.92821

50.00268
52.50276
55.07784
57.73018
60.46208

54.42947
57.33450
60.34121
63.45315
66.67401

59.32834
62.70147
66.20953
69.85791
73.65222

64.75239
68.66625
72.75623
77.03026
81.49662

70.76079
75.29883
80.06377
85.06696
90.32031

84.80168
90.88978
97.34316
104.18375
111.43478

102.07304
110.21815
118.93343
128.25876
138.23688

123.34587
134.21354
145.95062
158.62667
172.31680

149.57522
164.03699
179.80032
196.98234
215.71075

181.94342
201.13777
222.25154
245.47670
271.02437

36
37
38
39
40

43.07688
44.50765
45.95272
47.41225
48.88637

47.27597
48.98511
50.71989
52.48068
54.26789

51.99437
54.03425
56.11494
58.23724
60.40198

57.30141
59.73395
62.22730
64.78298
67.40255

63.27594
66.17422
69.15945
72.23423
75.40126

70.00760
73.45787
77.02889
80.72491
84.55028

77.59831
81.70225
85.97034
90.40915
95.02552

86.16397
91.04134
96.13820
101.46442
107.03032

95.83632
101.62814
107.70955
114.09502
120.79977

119.12087
127.26812
135.90421
145.05846
154.76197

148.91346
160.33740
172.56102
185.64029
199.63511

187.10215
203.07032
220.31595
238.94122
259.05652

236.12472
258.37595
282.62978
309.06646
337.88245

299.12681
330.03949
364.04343
401.44778
442.59256

Page 492

------------------ -----------------12.0%
14.0%
------------------ -----------------0.89286
0.87719
0.79719
0.76947
0.71178
0.67497
0.63552
0.59208
0.56743
0.51937
0.50663
0.45235
0.40388
0.36061
0.32197

0.45559
0.39964
0.35056
0.30751
0.26974

0.28748
0.25668
0.22917
0.20462
0.18270

0.23662
0.20756
0.18207
0.15971
0.14010

0.16312
0.14564
0.13004
0.11611
0.10367

0.12289
0.10780
0.09456
0.08295
0.07276

0.09256
0.08264
0.07379
0.06588
0.05882

0.06383
0.05599
0.04911
0.04308
0.03779

0.05252
0.04689
0.04187
0.03738
0.03338

0.03315
0.02908
0.02551
0.02237
0.01963

0.02980
0.02661
0.02376
0.02121
0.01894

0.01722
0.01510
0.01325
0.01162
0.01019

0.01691
0.01510
0.01348
0.01204
0.01075

0.00894
0.00784
0.00688
0.00604
0.00529

Page 493

------------------ -----------------12.0%
14.0%
------------------ -----------------1.13409
1.16021
1.25440
1.29960
1.40493
1.48154
1.57352
1.68896
1.76234
1.92541
1.97382
2.21068
2.47596
2.77308
3.10585

2.19497
2.50227
2.85259
3.25195
3.70722

3.47855
3.89598
4.36349
4.88711
5.47357

4.22623
4.81790
5.49241
6.26135
7.13794

6.13039
6.86604
7.68997
8.61276
9.64629

8.13725
9.27646
10.57517
12.05569
13.74349

10.80385
12.10031
13.55235
15.17863
17.00006

15.66758
17.86104
20.36158
23.21221
26.46192

19.04007
21.32488
23.88387
26.74993
29.95992

30.16658
34.38991
39.20449
44.69312
50.95016

33.55511
37.58173
42.09153
47.14252
52.79962

58.08318
66.21483
75.48490
86.05279
98.10018

59.13557
66.23184
74.17966
83.08122
93.05097

111.83420
127.49099
145.33973
165.68729
188.88351

Page 494

------------------ -----------------12.0%
14.0%
------------------ -----------------0.89286
0.87719
1.69005
1.64666
2.40183
2.32163
3.03735
2.91371
3.60478
3.43308
4.11141
4.56376
4.96764
5.32825
5.65022

3.88867
4.28830
4.63886
4.94637
5.21612

5.93770
6.19437
6.42355
6.62817
6.81086

5.45273
5.66029
5.84236
6.00207
6.14217

6.97399
7.11963
7.24967
7.36578
7.46944

6.26506
6.37286
6.46742
6.55037
6.62313

7.56200
7.64465
7.71843
7.78432
7.84314

6.68696
6.74294
6.79206
6.83514
6.87293

7.89566
7.94255
7.98442
8.02181
8.05518

6.90608
6.93515
6.96066
6.98304
7.00266

8.08499
8.11159
8.13535
8.15656
8.17550

7.01988
7.03498
7.04823
7.05985
7.07005

8.19241
8.20751
8.22099
8.23303
8.24378

7.07899
7.08683
7.09371
7.09975
7.10504

Page 495

------------------ -----------------12.0%
14.0%
------------------ -----------------1.00000
1.00000
2.12000
2.14000
3.37440
3.43960
4.77933
4.92114
6.35285
6.61010
8.11519
10.08901
12.29969
14.77566
17.54874

8.53552
10.73049
13.23276
16.08535
19.33730

20.65458
24.13313
28.02911
32.39260
37.27971

23.04452
27.27075
32.08865
37.58107
43.84241

42.75328
48.88367
55.74971
63.43968
72.05244

50.98035
59.11760
68.39407
78.96923
91.02493

81.69874
92.50258
104.60289
118.15524
133.33387

104.76842
120.43600
138.29704
158.65862
181.87083

150.33393
169.37401
190.69889
214.58275
241.33268

208.33274
238.49933
272.88923
312.09373
356.78685

271.29261
304.84772
342.42945
384.52098
431.66350

407.73701
465.82019
532.03501
607.51991
693.57270

484.46312 791.67288
543.59869 903.50708
609.83053 1030.99808
684.01020 1176.33781
767.09142 1342.02510

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