ANEXA: TABELE DE COMPUNERE SI DISCONTARE

An

(1+a)h

a=1%
(1 + a) h 1
a

a
(1 + a) h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.010000

1.000000

1.000000

0.990099

0.990099

1.010000

1.020100

2.010000

0.497512

0.980296

1.970395

0.507512

1.030301

3.030100

0.330022

0.970590

2.940985

0.340022

1.040604

4.060401

0.246281

0.960980

3.901966

0.256281

1.051010

5.101005

0.196040

0.951466

4.853431

0.206040

1.061520

6.152015

0.162548

0.942045

5.795476

0.172548

1.072135

7.213535

0.138628

0.932718

6.728195

0.148628

1.082857

8.285671

0.120690

0.923483

7.651678

0.130690

1.093685

9.368527

0.106740

0.914340

8.566018

0.116740

10

1.104622

10.462213

0.095582

0.905287

9.471305

0.105582

11

1.115668

11.566835

0.086454

0.896324

10.367628

0.096454

12

1.126825

12.682503

0.078849

0.887449

11.255077

0.088849

13

1.138093

13.809328

0.072415

0.878663

12.133740

0.082415

14

1.149474

14.947421

0.066901

0.869963

13.003703

0.076901

15

1.160969

16.096896

0.062124

0.861349

13.865053

0.072124

16

1.172579

17.25 7864

0.057945

0.852821

14.717874

0.067945

17

1.184304

18.430443

0.054258

0.844377

15.562251

0.064258

18

1.196147

19.614748

0.050982

0.836017

16.398269

0.060982

19

1.208109

20.810895

0.048052

0.827740

17.226008

0.058052

20

1.220190

22.019004

0.045415

0.819544

18.045553

0.055415

21

1.232392

23.239194

0.043031

0.811430

18.856983

0.053031

22

1.244716

24.471586

0.040864

0.803396

19.660379

0.050864

23

1.257163

25.716302

0.038886

0.795442

20.455821

0.048886

24

1.269735

26.973465

0.037073

0.787566

21.243387

0.047073

25

1.282432

28.243200

0.035407

0.779768

22.023156

0.045407

26

1.295256

29.525631

0.033869

0.772048

22.795204

0.043869

27

1.308209

30.820888

0.032446

0.764404

23.559608

0.042446

28

1.321291

32.129097

0.031124

0.756836

24.316443

0.041124

29

1.334504

33.450388

0.029895

0.749342

25.065785

0.039895

30

1.347849

34.784892

0.028748

0.741923

25.807708

0.038748

a=2%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a) h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.020000

1.000000

1.000000

0.980392

0.980392

1.020000

1.040400

2.020000

0.495050

0.961169

1.941561

0.515050

1.061208

3.060400

0.326755

0.942322

2.883883

0.346755

1.082432

4.121608

0.242624

0.923845

3.807729

0.262624

1.104081

5.204040

0.192158

0.905731

4.713460

0.212158

1.126162

6.308121

0.158526

0.887971

5.601431

0.178526

1.148686

7.434283

0.134512

0.870560

6.471991

0.154512

1.171659

8.582969

0.116510

0.853490

7.325481

0.136510

1.195093

9.754628

0.102515

0.836755

8.162237

0.122515

10

1.218994

10.949721

0.091327

0.820348

8.982585

0.111327

11

1.243374

12.168715

0.082178

0.804263

9.786848

0.102178

12

1.268242

13.412090

0.074560

0.788493

10.575341

0.094560

13

1.293607

14.680332

0.068118

0.773033

11.348374

0.088118

14

1.319479

15.973938

0.062602

0.757875

12.106249

0.082602

15

1.345868

17.293417

0.057825

0.743015

12.849264

0.077825

16

1.372786

18.639285

0.053650

0.728446

13.577709

0.073650

17

1.400241

20.012071

0.049970

0.714163

14.291872

0.069970

18

1.428246

21.412312

0.046702

0.700159

14.992031

0.066702

19

1.456811

22.840559

0.043782

0.686431

15.678462

0.063782

20

1.485947

24.297370

0.041157

0.672971

16.351433

0.061157

21

1.515666

25.783317

0.038785

0.659776

17.011209

0.058785

22

1.545980

27.298984

0.036631

0.646839

17.658048

0.056631

23

1.576899

28.844963

0.034668

0.634156

18.292204

0.054668

24

1.608437

30.421862

0.032871

0.621721

18.913926

0.052871

25

1.640606

32.030300

0.031220

0.609531

19.523456

0.051220

26

1.673418

33.670906

0.029699

0.597579

20.121036

0.049699

27

1.706886

35.344324

0.028293

0.585862

20.706898

0.048293

28

1.741024

37.051210

0.026990

0.574375

21.281272

0.046990

29

1.775845

38.792235

0.025778

0.563112

21.844385

0.045778

30

1.811362

40.568079

0.024650

0.552071

22.396456

0.044650

a=3%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.030000

1.000000

1.000000

0.970874

0.970874

1.030000

1.060900

2.030000

0.492611

0.942596

1.913470

0.522611

1.092727

3.090900

0.323530

0.915142

2.828611

0.353530

1.125509

4.183627

0.239027

0.888487

3.717098

0.269027

1.159274

5.309136

0.188355

0.862609

4.579707

0.218355

1.194052

6.468410

0.154598

0.837484

5.417191

0.184598

1.229874

7.662462

0.130506

0.813092

6.230283

0.160506

1.266770

8.892336

0.112456

0.789409

7.019692

0.142456

1.304773

10.159106

0.09843 4

0.766417

7.786109

0.128434

10

1.343916

11.463879

0.087231

0.744094

8.530203

0.117231

11

1.384234

12.807796

0.078077

0.722421

9.252624

0.108077

12

1.425761

14.192030

0.070462

0.701380

9.954004

0.100462

13

1.468534

15.617790

0.064030

0.680951

10.634955

0.094030

14

1.512590

17.086324

0.058526

0.661118

11.296073

0.088526

15

1.557967

18.598914

0.053767

0.641862

11.937935

0.083767

16

1.604706

20.156881

0.049611

0.623167

12.561102

0.079611

17

1.652848

21.761588

0.045953

0.605016

13.166118

0.075953

18

1.702433

23.414435

0.042709

0.587395

13.753513

0.072709

19

1.753506

25.116868

0.039814

0.570286

14.323799

0.069814

20

1.806111

26.870374

0.037216

0.553676

14.877475

0.067216

21

1.860295

28.676486

0.034872

0.537549

15.415024

0.064872

22

1.916103

30.536780

0.032747

0.521893

15.936917

0.062747

23

1.973587

32.452884

0.030814

0.506692

16.443608

0.060814

24

2.032794

34.426470

0.029047

0.491934

16.935542

0.059047

25

2.093778

36.459264

0.027428

0.477606

17.413148

0.057428

26

2.156591

38.553042

0.025938

0.4636 95

17.876842

0.055938

27

2.221289

40.709634

0.024564

0.450189

18.327031

0.054564

28

2.287928

42.930923

0.023293

0.437077

18.764108

0.053293

29

2.356566

45.218850

0.022115

0.424346

19.188455

0.052115

30

2.427262

47.575416

0.021019

0.411987

19.600441

0.051019

a = 4%
An

(1+a)h

(1 + a)h 1
a

a
(1 + a)h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.040000

1.000000

1.000000

0.961538

0.961538

1.040000

1.081600

2.040000

0.490196

0.924556

1.886095

0.530196

1.124864

3.121600

0.320349

0.888996

2.775091

0.360349

1.169859

4.246464

0.235490

0.854804

3.629895

0.275490

1.216653

5.416323

0.184627

0.821927

4.451822

0.224627

1.265319

6.632975

0.150762

0.790315

5.242137

0.190762

1.315932

7.898294

0.126610

0.759918

6.002055

0.166610

1.368569

9.214226

0.108528

0.730690

6.732745

0.148528

1.423312

10.582795

0.094493

0.702587

7.435332

0.134493

10

1.480244

12.006107

0.083291

0.675564

8.110896

0.123291

11

1.539454

13.486351

0.074149

0.649581

8.760477

0.114149

12

1.601032

15.025805

0.066552

0.624597

9.385074

0.106552

13

1.665074

16.626838

0.060144

0.600574

9.985648

0.100144

14

1.731676

18.291911

0.054669

0.577475

10.563123

0.094669

15

1.800944

20.023588

0.049941

0.555265

11.118387

0.089941

16

1.872981

21.824531

0.045820

0.533908

11.652296

0.085820

17

1.947900

23.697512

0.042199

0.513373

12.165669

0.082199

18

2.025817

25.645413

0.038993

0.493628

12.659297

0.078993

19

2.106849

27.671229

0.036139

0.474642

13.133939

0.076139

20

2.191123

29.778079

0.033582

0.456387

13.590326

0.073582

21

2.278768

31.969202

0.031280

0.438834

14.029160

0.071280

22

2.369919

34.247970

0.029199

0.421955

14.451115

0.069199

23

2.464716

36.617889

0.027309

0.405726

14.856842

0.067309

24

2.563304

39.082604

0.025587

0.390121

15.246963

0.065587

25

2.665836

41.645908

0.024012

0.375117

15.622080

0.064012

26

2.772470

44.311745

0.022567

0.360689

15.982769

0.062567

27

2.883369

47.084214

0.021239

0.346817

16.329586

0.061239

28

2.998703

49.967583

0.020013

0.333477

16.663063

0.060013

29

3.118651

52.966286

0.018880

0.320651

16.983715

0.058880

30

3.243398

56.084938

0.017830

0.308319

17.292033

0.057830

a=5%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a)

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.050000

1.000000

1.000000

0.952381

0.952381

1.050000

1.102500

2.050000

0.48 7805

0.907029

1.859410

0.537805

1.157625

3.152500

0.317209

0.863838

2.723248

0.367209

1.215506

4.310125

0.232012

0.822702

3.545951

0.282012

1.276282

5.525631

0.180975

0.783526

4.329477

0.230975

1.340096

6.801913

0.147017

0.746215

5.075692

0.197017

1.407100

8.142008

0.122820

0.710681

5.786373

0.172820

1.477455

9.549109

0.104722

0.676839

6.463213

0.154722

1.551328

11.026564

0.090690

0.644609

7.107822

0.140690

10

1.628895

12.577893

0.079505

0.613913

7.721735

0.129505

11

1.710339

14.206787

0.070389

0.584679

8.306414

0.120389

12

1.795856

15.917127

0.062825

0.556837

8.863252

0.112825

13

1.885649

17.712983

0.056456

0.530321

9.393573

0.106456

14

1.979932

19.598632

0.051024

0.505068

9.898641

0.101024

15

2.078928

21.578564

0.046342

0.481017

10.379658

0.096342

16

2.182875

23.657492

0.042270

0.458112

10.837770

0.092270

17

2.292018

25.840366

0.038699

0.436297

11.274066

0.088699

18

2.406619

28.132385

0.035546

0.415521

11.689587

0.085546

19

2.526950

30.539004

0.032745

0.395734

12.085321

0.082745

20

2.653298

33.065954

0.030243

0.376889

12.462210

0.080243

21

2.785963

35.719252

0.027996

0.358942

12.821153

0.077996

22

2.925261

38.505214

0.025971

0.341850

13.163003

0.075971

23

3.071524

41.430475

0.024137

0.325571

13.488574

0.074137

24

3.225100

44.501999

0.022471

0.310068

13.798642

0.072471

25

3.386355

47.727099

0.020952

0.295303

14.093945

0.070952

26

3.555673

51.113454

0.019564

0.281241

14.375185

0.069564

27

3.733456

54.669126

0.018292

0.267848

14.643034

0.068292

28

3.920129

58.402583

0.017123

0.255094

14.898127

0.067123

29

4.116136

62.322712

0.016046

0.242946

15.141074

0.066046

30

4.321942

66.438848

0.015051

0.231377

15.372451

0.065051

a=6%
An

(1+a)h

(1 + a) h 1
a

a
(1 +a)h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.060000

1.000000

1.000000

0.943396

0.943396

1.060000

1.123600

2.060000

0.485437

0.889996

1.833393

0.545437

1.191016

3.183600

0.314110

0.839619

2.673012

0.374110

1.262477

4.374616

0.228591

0.792094

3.465106

0.288591

1.338226

5.637093

0.177396

0.747258

4.212364

0.237396

1.418519

6.975319

0.143363

0.704961

4.917324

0.203363

1.503630

8.393838

0.119135

0.665057

5.582381

0.179135

1.593848

9.897468

0.101036

0.627412

6.209794

0.161036

1.689479

11.491316

0.087022

0.591898

6.801692

0.147022

10

1.790 848

13.180795

0.075868

0.558395

7.360087

0.135868

11

1.898299

14.971643

0.066793

0.526788

7.886875

0.126793

12

2.012196

16.869941

0.059277

0.496969

8.383844

0.119277

13

2.132928

18.882138

0.052960

0.468839

8.852683

0.112960

14

2.260904

21.015066

0.047585

0.442301

9.294984

0.107585

15

2.396558

23.275970

0.042963

0.417265

9.712249

0.102963

16

2.540352

25.672528

0.038952

0.393646

10.105895

0.098952

17

2.692773

28.212880

0.035445

0.371364

10.477260

0.095445

18

2.854339

30.905653

0.032357

0.350344

10.827603

0.092357

19

3.025600

33.759992

0.029621

0.330513

11.158116

0.089621

20

3.207135

36.785591

0.027185

0.311805

11.469921

0.087185

21

3.399564

39.992727

0.025005

0.294155

11.764077

0.085005

22

3.603537

43.392290

0.023046

0.277505

12.041582

0.083046

23

3.819750

46.995828

0.021278

0.261797

12.303379

0.081278

24

4.048935

50.815577

0.019679

0.246979

12.550358

0.079679

25

4.291871

54.864512

0.018227

0.232999

12.783356

0.078227

26

4.549383

59.156383

0.016904

0.219810

13.003166

0.076904

27

4.822346

63.705 766

0.015697

0.207368

13.210534

0.075697

28

5.111687

68.528112

0.014593

0.195630

13.406164

0.074593

29

5.418388

73.639798

0.013580

0.184557

13.590721

0.073580

30

5.743491

79.058186

0.012649

0.174110

13.764831

0.072649

a=7%
An

(1+a)h

(1 + a)h 1
a

a
(1 + a) h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.070000

1.000000

1.000000

0.934579

0.934579

1.070000

1.144900

2.070000

0.483092

0.873439

1.808018

0.553092

1.225043

3.214900

0.311052

0.816298

2.624316

0.381052

1.310796

4.439943

0.225 228

0.762895

3.387211

0.295228

1.402552

5.750739

0.173891

0.712986

4.100197

0.243891

1.500730

7.153291

0.139796

0.666342

4.766540

0.209796

1.605781

8.654021

0.115553

0.622750

5.389289

0.185553

1.718186

10.259803

0.097468

0.582009

5.971299

0.167468

1.838459

11.977989

0.083486

0.543934

6.515232

0.153486

10

1.967151

13.816448

0.072378

0.508349

7.023582

0.142378

11

2.104852

15.783599

0.063357

0.475093

7.498674

0.133357

12

2.252192

17.888451

0.055902

0.444012

7.942686

0.125902

13

2.409845

20.140643

0.049651

0.414964

8.357651

0.119651

14

2.578534

22.550488

0.044345

0.387817

8.745468

0.114345

15

2.759032

25.129022

0.039795

0.362446

9.107914

0.109795

16

2.952164

27.888054

0.035858

0.338735

9.446649

0.105858

17

3.158815

30.840217

0.032425

0.316574

9.763223

0.102425

18

3.379932

33.999033

0.029413

0.295864

10.059087

0.099413

19

3.616528

37.378965

0.026753

0.276508

10.335595

0.096753

20

3.869684

40.995492

0.024393

0.258419

10.594014

0.094393

21

4.140562

44.865177

0.022289

0.241513

10.835527

0.092289

22

4.430402

49.005739

0.020406

0.225713

11.061240

0.090406

23

4.740530

53.436141

0.018714

0.210947

11.272187

0.088714

24

5.072367

58.176671

0.017189

0.197147

11.469334

0.087189

25

5.427433

63.249038

0.015811

0.184249

11.653583

0.085811

26

5.8073 53

68.676470

0.014561

0.172195

11.825779

0.084561

27

6.213868

74.483823

0.013426

0.160930

11.986709

0.083426

28

6.648838

80.697691

0.012392

0.150402

12.137111

0.082392

29

7.114257

87.346529

0.011449

0.140563

12.277674

0.081449

30

7.612255

94.460786

0.010586

0.131367

12.409041

0.080586

a=8%
An

(1+a)h

(1 + a)h 1
a

a
(1 + a) h 1

1
(1 + a)

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.080000

1.000000

1.000000

0.925926

0.925926

1.080000

1.166400

2.080000

0.480769

0.857339

1.783265

0.560769

1.259712

3.246400

0.308034

0.793832

2.577097

0.388034

1.360489

4.506112

0.221921

0.735030

3.312127

0.301921

1.469328

5.866601

0.170456

0.680583

3.992710

0.250456

1.586874

7.335929

0.136315

0.630170

4.622880

0.216315

1.713824

8.922803

0.112072

0.583490

5.206370

0.192072

1.850930

10.636628

0.094015

0.540269

5.746639

0.174015

1.999005

12.487558

0.080080

0.500249

6.246888

0.160080

10

2.158925

14.486562

0.069029

0.463193

6.710081

0.149029

11

2.331639

16.645487

0.060076

0.428883

7.138964

0.140076

12

2.518170

18.977126

0.052695

0.397114

7.536078

0.132695

13

2.719624

21.495297

0.046522

0.367698

7.903776

0.126522

14

2.937194

24.214920

0.041297

0.340461

8.244237

0.121297

15

3.172169

27.152114

0.036830

0.315242

8.559479

0.116830

16

3.425943

30.324283

0.032977

0.291890

8.851369

0.112977

17

3.700018

33.750226

0.029629

0.270269

9.121638

0.109629

18

3.996019

37.450244

0.026702

0.250249

9.371887

0.106702

19

4.315701

41.446263

0.024128

0.231712

9.603599

0.104128

20

4.660957

45.761964

0.021852

0.214548

9.818147

0.101852

21

5.033834

50.422921

0.019832

0.198656

10.016803

0.099832

22

5.436540

55.456755

0.018032

0.183941

10.200744

0.098032

23

5.871464

60.893296

0.016422

0.170315

10.371059

0.096422

24

6.341181

66.764759

0.014978

0.157699

10.528758

0.094978

25

6.848475

73.105940

0.013679

0.146018

10.674776

0.093679

26

7.396353

79.954415

0.012507

0.135202

10.809978

0.092507

27

7.988061

87.350768

0.011448

0.125187

10.935165

0.091448

28

8.627106

95.338830

0.010489

0.115914

11.051078

0.090489

29

9.317275

103.965936

0.009619

0.107328

11.158406

0.089619

30

10.062657

113.283211

0.008827

0.099377

11.257783

0.088827

a=9%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a)

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.090000

1.000000

1.000000

0.917431

0.917431

1.090000

1.188100

2.090000

0.478469

0.841680

1.759111

0.568469

1.295029

3.278100

0.305055

0.772183

2.531295

0.395055

1.411582

4.573129

0.218669

0.708425

3.239720

0.308669

1.538624

5.984711

0.167092

0.649931

3.889651

0.257092

1.677100

7.523335

0.132920

0.596267

4.485919

0.222920

1.828039

9.200435

0.108691

0.547034

5.032953

0.198691

1.992563

11.028474

0.090674

0.501866

5.534819

0.180674

2.171893

13.021036

0.076799

0.460428

5.995247

0.166799

10

2.367364

15.192930

0.065820

0.422411

6.417658

0.155820

11

2.580426

17.560293

0.056947

0.387533

6.805191

0.146947

12

2.812665

20.140720

0.049651

0.355535

7.160725

0.139651

13

3.065805

22.953385

0.043567

0.326179

7.486904

0.133567

14

3.341727

26.019189

0.038433

0.299246

7.786150

0.128433

15

3.642482

29.360916

0.034059

0.274538

8.060688

0.124059

16

3.970306

33.003399

0.030300

0.251870

8.312558

0.120300

17

4.327633

36.973705

0.027046

0.231073

8.543631

0.117046

18

4.717120

41.301338

0.024212

0.211994

8.755625

0.114212

19

5.141661

46.018458

0.021730

0.194490

8.950115

0.111730

20

5.604411

51.160120

0.019546

0.178431

9.128546

0.109546

21

6.108808

56.764530

0.017617

0.163698

9.292244

0.107617

22

6.658600

62.873338

0.015905

0.150182

9.442425

0.105905

23

7.257874

69.531939

0.014382

0.137781

9.580207

0.10438 2

24

7.911083

76.789813

0.013023

0.126405

9.706612

0.103023

25

8.623081

84.700896

0.011806

0.115968

9.822580

0.101806

26

9.399158

93.323977

0.010715

0.106393

9.928972

0.100715

27

10.245082

102.723135

0.009735

0.097608

10.026580

0.099735

28

11.167140

112.968217

0.008852

0.089548

10.116128

0.098852

29

12.172182

124.135356

0.008056

0.082155

10.198283

0.098056

30

13.267678

136.307539

0.007336

0.075371

10.273654

0.097336

a=10%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a)

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.100000

1.000000

1.000000

0.909091

0.909091

1.100000

1.210000

2.100000

0.476190

0.826446

1.735537

0.576190

1.331000

3.310000

0.302115

0.751315

2.486852

0.402115

1.464100

4.641000

0.215471

0.683013

3.169865

0.315471

1.610510

6.105100

0.163797

0.620921

3.790787

0.263797

1.771561

7.715610

0.129607

0.564474

4.355261

0.229607

1.948717

9.487171

0.105405

0.513158

4.868419

0.205405

2.143589

11.435888

0.087444

0.466507

5.334926

0.187444

2.357948

13.579477

0.073641

0.424098

5.759024

0.173641

10

2.593742

15.937425

0.062745

0.385543

6.144567

0.162745

11

2.853117

18.531167

0.053963

0.350494

6.495061

0.153963

12

3.138428

21.384284

0.046763

0.318631

6.813692

0.146763

13

3.452271

24.522712

0.040779

0.289664

7.103356

0.140779

14

3.797498

27.974983

0.035746

0.263331

7.366687

0.135746

15

4.177248

31.772482

0.031474

0.239392

7.606080

0.131474

16

4.594973

35.949730

0.027817

0.217629

7.823709

0.127817

17

5.054470

40.544703

0.024664

0.197845

8.021553

0.124664

18

5.559917

45.599173

0.02 1930

0.179859

8.201412

0.121930

19

6.115909

51.159090

0.019547

0.163508

8.364920

0.119547

20

6.727500

57.274999

0.017460

0.148644

8.513564

0.117460

21

7.400250

64.002499

0.015624

0.135131

8.648694

0.115624

22

8.140275

71.402749

0.014005

0.122846

8.7715 40

0.114005

23

8.954302

79.543024

0.012572

0.111678

8.883218

0.112572

24

9.849733

88.497327

0.011300

0.101526

8.984744

0.111300

25

10.834706

98.347059

0.010168

0.092296

9.077040

0.110168

26

11.918177

109.181765

0.009159

0.083905

9.160945

0.109159

27

13.109994

121.099942

0.008258

0.076278

9.237223

0.108258

28

14.420994

134.209936

0.007451

0.069343

9.306567

0.107451

29

15.863093

148.630930

0.006728

0.063039

9.369606

0.106728

30

17.449402

164.494023

0.006079

0.057309

9.426914

0.106079

a=11%
An

(1+a )h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.110000

1.000000

1.000000

0.900901

0.900901

1.110000

1.232100

2.110000

0.473934

0.811622

1.712523

0.583934

1.367631

3.342100

0.299213

0.731191

2.443715

0.409213

1.518070

4.709731

0.212326

0.658731

3.102446

0.322326

1.685058

6.227801

0.160570

0.593451

3.695897

0.270570

1.870415

7.912860

0.126377

0.534641

4.230538

0.236377

2.076160

9.783274

0.102215

0.481658

4.712196

0.212215

2.304538

11.859434

0.084321

0.433926

5.146123

0.194321

2.558037

14.163972

0.070602

0.390925

5.537048

0.180602

10

2.839421

16.722009

0.059801

0.352184

5.889232

0.169801

11

3.151757

19.561430

0.051121

0.317283

6.206515

0.161121

12

3.498451

22.713187

0.044027

0.285841

6.492356

0.154027

13

3.883280

26.211638

0.038151

0.257514

6.749870

0.148151

14

4.310441

30.094918

0.033228

0.231995

6.981865

0.143228

15

4.784589

34.405359

0.029065

0.209004

7.190870

0.139065

16

5.310894

39.189948

0.025517

0.188292

7.379162

0.135517

17

5.895093

44.500843

0.022471

0.169633

7.548794

0.132471

18

6.543553

50.395936

0.019843

0.152822

7.701617

0.129843

19

7.263344

56.939488

0.017563

0.137678

7.839294

0.127563

20

8.062312

64.202832

0.015576

0.124034

7.963328

0.125576

21

8.949166

72.265144

0.013838

0.111742

8.075070

0.123838

22

9.933574

81.214309

0.012313

0.100669

8.175739

0.122313

23

11.026267

91.147884

0.010971

0.090693

8.266432

0.120971

24

12.239157

102.174151

0.009787

0.081705

8.348137

0.119787

25

13.585464

114.413307

0.008740

0.073608

8.421745

0.118740

26

15.079865

127.998771

0.007813

0.066314

8.488058

0.117813

27

16.738650

143.078636

0.006989

0.059742

8.547800

0.116989

28

18.579901

159.817286

0.006257

0.053822

8.601622

0.116257

29

20.623691

178.397187

0.005605

0.048488

8.650110

0.115605

30

22.892297

199.020878

0.005025

0.043683

8.693793

0.115025

a = 12%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.120000

1.000000

1.000000

0.892857

0.892857

1.120000

1.254400

2.120000

0.471698

0.797194

1.6900 51

0.591698

1.404928

3.374400

0.296349

0.711780

2.401831

0.416349

1.573519

4.779328

0.209234

0.635518

3.037349

0.329234

1.762342

6.352847

0.157410

0.567427

3.604776

0.277410

1.973823

8.115189

0.123226

0.506631

4.111407

0.243226

2.210681

10.089012

0.099118

0.452349

4.563757

0.219118

2.475963

12.299693

0.081303

0.403883

4.967640

0.201303

2.773079

14.775656

0.067679

0.360610

5.328250

0.187679

10

3.105848

17.548735

0.056984

0.321973

5.650223

0.176984

11

3.478550

20.654583

0.048415

0.287476

5.937699

0.168415

12

3.895976

24.133133

0.041437

0.256675

6.194374

0.161437

13

4.363493

28.029109

0.035677

0.229174

6.423548

0.155677

14

4.887112

32.392602

0.030871

0.204620

6.628168

0.150871

15

5.473566

37.279715

0.026824

0.182696

6.810864

0.146824

16

6.130394

42.753280

0.023390

0.163122

6.973986

0.143390

17

6.866041

48.883674

0.020457

0.145644

7.119630

0.140457

18

7.689966

55.749715

0.017937

0.130040

7.249670

0.137937

19

8.612762

63.439681

0.015763

0.116107

7.365777

0.135763

20

9.646293

72.052442

0.013879

0.103667

7.469444

0.133879

21

10.803848

81.698736

0.012240

0.092560

7.562003

0.132240

22

12.100310

92.502584

0.010811

0.082643

7.644646

0.130811

23

13.552347

104.602894

0.009560

0.073788

7.718434

0.129560

24

15.178629

118.155241

0.008463

0.065882

7.784316

0.128463

25

17.000064

133.333870

0.007500

0.058823

7.843139

0.127500

26

19.040072

150.333934

0.006652

0.052521

7.895660

0.126652

27

21.324881

169.374007

0.005904

0.046894

7.942554

0.125904

28

23.883866

190.698887

0.005244

0.041869

7.984423

0.125244

29

26.749930

214.582754

0.004660

0.037383

8.021806

0.124660

30

29.959922

241.332684

0.004144

0.033378

8.055184

0.124144

a = 13%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.130000

1.000000

1.000000

0.884956

0.884956

1.130000

1.276900

2.130000

0.469484

0.783147

1.668102

0.599484

1.442897

3.406900

0.293522

0.693050

2.361153

0.423522

1.630474

4.849797

0.206194

0.613319

2.974471

0.336194

1.842435

6.480271

0.154315

0.542760

3.517231

0.284315

2.081952

8.322706

0.120153

0.480319

3.997550

0.250153

2.352605

10.404658

0.096111

0.425061

4.422610

0.226111

2.658444

12.757263

0.078387

0.376160

4.798770

0.208387

3.004042

15.415707

0.064869

0.332885

5.131655

0.194869

10

3.394567

18.419 749

0.054290

0.294588

5.426243

0.184290

11

3.835861

21.814317

0.045841

0.260698

5.686941

0.175841

12

4.334523

25.650178

0.038986

0.230706

5.917647

0.168986

13

4.898011

29.984701

0.033350

0.204165

6.121812

0.163350

14

5.534753

34.882712

0.028667

0.180677

6.302488

0.158667

15

6.254270

40.417464

0.024742

0.159891

6.462379

0.154742

16

7.067326

46.671735

0.021426

0.141496

6.603875

0.151426

17

7.986078

53.739060

0.018608

0.125218

6.729093

0.148608

18

9.024268

61.725138

0.016201

0.110812

6.839905

0.146201

19

10.197423

70.749406

0.014134

0.098064

6.937969

0.144134

20

11.523088

80.946829

0.012354

0.086782

7.024752

0.142354

21

13.021089

92.469917

0.010814

0.076798

7.101550

0.140814

22

14.713831

105.491006

0.009479

0.067963

7.169513

0.139479

23

16.626629

120.204837

0.008319

0.060144

7.229658

0.138319

24

18.788091

136.831465

0.007308

0.053225

7.282883

0.137308

25

21.230542

155.619556

0.006426

0.047102

7.329985

0.136426

26

23.990513

176.850098

0.005655

0.041683

7.371668

0.135655

27

27.109279

200.840611

0.004979

0.036888

7.408556

0.134979

28

30.633486

227.949890

0.004387

0.032644

7.441200

0.134387

29

34.615839

258.583376

0.003867

0.028889

7.470088

0.133867

30

39.115898

293.199215

0.003411

0.025565

7.495653

0.133411

a = 14%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.140000

1.000000

1.000000

0.877193

0.877193

1.140000

1.299600

2.140000

0.467290

0.769468

1.646661

0.607290

1.481544

3.439600

0.290731

0.674972

2.321632

0.430731

1.688960

4.921144

0.203 205

0.592080

2.913712

0.343205

1.925415

6.610104

0.151284

0.519369

3.433081

0.291284

2.194973

8.535519

0.117157

0.455587

3.888668

0.257157

2.502269

10.730491

0.093192

0.399637

4.288305

0.233192

2.852586

13.232760

0.075570

0.350559

4.638864

0.21 5570

3.251949

16.085347

0.062168

0.307508

4.946372

0.202168

10

3.707221

19.337295

0.051714

0.269744

5.216116

0.191714

11

4.226232

23.044516

0.043394

0.236617

5.452733

0.183394

12

4.817905

27.270749

0.036669

0.207559

5.660292

0.176669

13

5.492411

32.088654

0.031164

0.182069

5.842362

0.171164

14

6.261349

37.581065

0.026609

0.159710

6.002072

0.166609

15

7.137938

43.842414

0.022809

0.140096

6.142168

0.162809

16

8.137249

50.980352

0.019615

0.122892

6.265060

0.159615

17

9.276464

59.117601

0.016915

0.107800

6.372859

0.156915

18

10.575169

68.394066

0.014621

0.094561

6.467420

0.154621

19

12.055693

78.969235

0.012663

0.082948

6.550369

0.152663

20

13.743490

91.024928

0.010986

0.072762

6.623131

0.150986

21

15.667578

104.768418

0.009545

0.063826

6.686957

0.149545

22

17.861039

120.435996

0.008303

0.055988

6.742944

0.148303

23

20.361585

138.297035

0.007231

0.049112

6.792056

0.147231

24

23.212207

158.658620

0.006303

0.043081

6.835137

0.146303

25

26.461916

181.870827

0.005498

0.037790

6.872927

0.145498

26

30.166584

208.332743

0.004800

0.033149

6.906077

0.144800

27

34.389906

238.499327

0.004193

0.029078

6.935155

0.144193

28

39.204493

272.889233

0.003664

0.025507

6.960662

0.143664

29

44.693122

312.093725

0.003204

0.022375

6.983037

0.143204

30

50.950159

356.786847

0.002803

0.019627

7.002664

0.142803

a=15%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.150000

1.000000

1.000000

0.869565

0.869565

1.150000

1.322500

2.150000

0.465116

0.756144

1.625709

0.615116

1.520875

3.472500

0.287977

0.657516

2.283225

0.437977

1.749006

4.993375

0.200265

0.571753

2.854978

0.350265

2.011357

6.742381

0.148316

0.497177

3.352155

0.298316

2.313061

8.753738

0.114237

0.432328

3.784483

0.264237

2.660020

11.066799

0.090360

0.375937

4.160420

0.240360

3.059023

13.726819

0.072850

0.326902

4.487322

0.222850

3.517876

16.785842

0.059574

0.284262

4.771584

0.209574

10

4.045558

20.303718

0.049252

0.247185

5.018769

0.199252

11

4.652391

24.349276

0.041069

0.214943

5.233712

0.191069

12

5.350250

29.001667

0.034481

0.186907

5.420619

0.184481

13

6.152788

34.351917

0.029110

0.162528

5.583147

0.179110

14

7.075706

40.504705

0.024688

0.141329

5.724476

0.174688

15

8.137062

47.580411

0.021017

0.122894

5.847370

0.171017

16

9.357621

55.717472

0.017948

0.106865

5.954235

0.167948

17

10.761264

65.075093

0.015367

0.092926

6.047161

0.165367

18

12.375454

75.836357

0.013186

0.080805

6.127966

0.163186

19

14.231772

88.211811

0.011336

0.070265

6.198231

0.161336

20

16.366537

102.443583

0.00 9761

0.061100

6.259331

0.159761

21

18.821518

118.810120

0.008417

0.053131

6.312462

0.158417

22

21.644746

137.631638

0.007266

0.046201

6.358663

0.157266

23

24.891458

159.276384

0.006278

0.040174

6.398837

0.156278

24

28.625176

184.167841

0.005430

0.03493 4

6.433771

0.155430

25

32.918953

212.793017

0.004699

0.030378

6.464149

0.154699

26

37.856796

245.711970

0.004070

0.026415

6.490564

0.154070

27

43.535315

283.568766

0.003526

0.022970

6.513534

0.153526

28

50.065612

327.104080

0.003057

0.019974

6.533508

0.153057

29

57.575454

377.169693

0.002651

0.017369

6.550877

0.152651

30

66.211772

434.745146

0.002300

0.015103

6.565980

0.152300

a=20%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a)h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.200000

1.000000

1.000000

0.833333

0.833333

1.200000

1.440000

2.200000

0.454545

0.694444

1.527778

0.654545

1.728000

3.640000

0.274725

0.578704

2.106481

0.474725

2.073600

5.368000

0.186289

0.482253

2.588735

0.386289

2.488320

7.441600

0.134380

0.401878

2.990612

0.334380

2.985984

9.929920

0.100706

0.334898

3.325510

0.300706

3.583181

12.915904

0.077424

0.279082

3.604592

0.277424

4.299817

16.499085

0.060609

0.232568

3.837160

0.260609

5.159780

20.798902

0.048079

0.193807

4.030967

0.248079

10

6.191736

25.958682

0.03 8523

0.161506

4.192472

0.238523

11

7.430084

32.150419

0.031104

0.134588

4.327060

0.231104

12

8.916100

39.580502

0.025265

0.112157

4.439217

0.225265

13

10.699321

48.496603

0.020620

0.093464

4.532681

0.220620

14

12.839185

59.195923

0.016893

0.077887

4.610567

0.216893

15

15.407022

72.035108

0.013882

0.064905

4.675473

0.213882

16

18.488426

87.442129

0.011436

0.054088

4.729561

0.211436

17

22.186111

105.930555

0.009440

0.045073

4.774634

0.209440

18

26.623333

128.116666

0.007805

0.037561

4.812195

0.207805

19

31.948000

154.740000

0.006462

0.031301

4.843496

0.206462

20

38.337600

186.688000

0.005357

0.026084

4.869580

0.205357

21

46.005120

225.025600

0.004444

0.021737

4.891316

0.204444

22

55.206144

271.030719

0.003690

0.018114

4.909430

0.203690

23

66.247373

326.236863

0.003065

0.015095

4.924525

0.203065

24

79.496847

392.484236

0.002548

0.012579

4.937104

0.202548

25

95.396217

471.981083

0.002119

0.010483

4.947587

0.202119

26

114.475460

567.377300

0.001762

0.008735

4.956323

0.201762

27

137.370552

681.852760

0.001467

0.007280

4.963602

0.201467

28

164.844662

819.223312

0.001221

0.006066

4.969668

0.201221

29

197.813595

984.067974

0.001016

0.005055

4.974724

0.201016

30

237.376314

1181.881569

0.000846

0.004213

4.978936

0.200846

a=25%
An

(1+a)h

(1 + a) h 1
a

a
(1 + a)h 1

1
(1 + a) h

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.250000

1.000000

1.000000

0.800000

0.800000

1.250000

1.562500

2.250000

0.444444

0.640000

1.440000

0.694444

1.953125

3.812500

0.262295

0.512000

1.952000

0.512295

2.441406

5.765625

0.173442

0.409600

2.361600

0.423442

3.051758

8.207031

0.121847

0.327680

2.689280

0.371847

3.814697

11.258789

0.088819

0.262144

2.951424

0.338819

4.768372

15.073486

0.066342

0.209715

3.161139

0.316342

5.960464

19.841858

0.050399

0.167772

3.328911

0.300399

7.450581

25.802322

0.038756

0.134218

3.463129

0.288756

10

9.313226

33.252903

0.030073

0.107374

3.570503

0.280073

11

11.641532

42.566129

0.023493

0.085899

3.656403

0.273493

12

14.551915

54.207661

0.018448

0.068719

3.725122

0.268448

13

18.189894

68.759576

0.014543

0.054976

3.780098

0.264543

14

22.737368

86.949470

0.011501

0.043980

3.824078

0.261501

15

28.421709

109.686838

0.009117

0.035184

3.859263

0.259117

16

35.527137

138.108547

0.007241

0.028147

3.887410

0.257241

17

44.408921

173.635684

0.005759

0.022518

3.909928

0.255759

18

55.511151

218.044605

0.004586

0.018014

3.927942

0.254586

19

69.388939

273.555756

0.003656

0.014412

3.942354

0.253656

20

86.736174

342.944695

0.002916

0.011529

3.953883

0.252916

21

108.420217

429.680869

0.002327

0.009223

3.963107

0.252327

22

135.525272

538.101086

0.001858

0.007379

3.970485

0.251858

23

169.406589

673.626358

0.001485

0.005903

3.976388

0.251485

24

211.758237

843.032947

0.001186

0.004722

3.981111

0.251186

25

264.697796

1054.791184

0.000948

0.003778

3.984888

0.250948

26

330.872245

1319.488980

0.000758

0.003022

3.987911

0.250758

27

413.590306

1650.361225

0.000606

0.002418

3.990329

0.250606

28

516.987883

2063.951531

0.000485

0.001934

3.992263

0.250485

29

646.234854

2580.939414

0.000387

0.001547

3.993810

0.250387

30

807.793567

3227.174268

0.000310

0.001238

3.995048

0.250310

a=30%
An

(1+a)h

(1 +a)h 1
a

a
(1 + a)h 1

1
(1 + a)

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.300000

1.000000

1.000000

0.769231

0.769231

1.300000

1.690000

2.300000

0.434783

0.591716

1.360947

0.734783

2.197000

3.990000

0.250627

0.455166

1.816113

0.550627

2.856100

6.187000

0.161629

0.350128

2.166241

0.461629

3.712930

9.043100

0.110582

0.269329

2.435570

0.410582

4.826809

12.756030

0.078394

0.207176

2.642746

0.378394

6.274852

17.582839

0.056874

0.159366

2.802112

0.356874

8.157307

23.857691

0.041915

0.122589

2.924702

0.341915

10.604499

32.014998

0.031235

0.094300

3.019001

0.331235

10

13.785849

42.619497

0.023463

0.072538

3.091539

0.323463

11

17.921604

56.405346

0.017729

0.055799

3.147338

0.317729

12

23.298085

74.326950

0.013454

0.042922

3.190260

0.313454

13

30.287511

97.625036

0.010243

0.033017

3.223277

0.310243

14

39.373764

127.912546

0.007818

0.025398

3.248675

0.307818

15

51.185893

167.286310

0.00 5978

0.019537

3.268211

0.305978

16

66.541661

218.472203

0.004577

0.015028

3.283239

0.304577

17

86.504159

285.013864

0.003509

0.011560

3.294800

0.303509

18

112.455407

371.518023

0.002692

0.008892

3.303692

0.302692

19

146.192029

483.973430

0.002066

0.006840

3.310532

0.302066

20

190.049638

630.165459

0.001587

0.005262

3.315794

0.301587

21

247.064529

820.215097

0.001219

0.004048

3.319842

0.301219

22

321.183888

1067.279626

0.000937

0.003113

3.322955

0.300937

23

417.539054

1388.463514

0.000720

0.002395

3.325350

0.300720

24

542.800770

1806.002568

0.000554

0.001842

3.327192

0.300554

25

705.641001

2348.803338

0.000426

0.001417

3.328609

0.300426

26

917.333302

3054.444340

0.000327

0.001090

3.329700

0.300327

27

1192.533293

3971.777642

0.000252

0.000839

3.330538

0.300252

28

1550.293280

5164.310934

0.000194

0.000645

3.331183

0.300194

29

2015.381264

6714.604214

0.000149

0.000496

3.331679

0.300149

30

2619.995644

8729.985479

0.000115

0.000382

3.332061

0.300115

a=35%
An

(1+a)h

(1 +a)h 1
a

a
(1 + a)h 1

1
(1 + a)

(1 + a) h 1
a(1 + a) h

a(1 + a) h
(1 + a) h 1

1.350000

1.000000

1.000000

0.740741

0.740741

1.350000

1.822500

2.350000

0.425532

0.548697

1.289438

0.775532

2.460375

4.172500

0.239664

0.406442

1.695880

0.589664

3.321506

6.632875

0.150764

0.301068

1.996948

0.500764

4.484033

9.954381

0.100458

0.223014

2.219961

0.450458

6.053445

14.438415

0.069260

0.165195

2.385157

0.419260

8.172151

20.491860

0.048800

0.122367

2.507523

0.398800

11.032404

28.664011

0.034887

0.090642

2.598165

0.384887

14.89 3745

39.696415

0.025191

0.067142

2.665308

0.375191

10

20.106556

54.590160

0.018318

0.049735

2.715043

0.368318

11

27.143850

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221.823643

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299.461918

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545.769345

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1342.797252

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1812.776291

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2447.247992

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6021.147779

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8128.549501

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a=40%
An

(1+a)h

(1 +a)h 1
a

a
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1
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(1 + a) h 1
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1.400000

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28.925465

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40.495652

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12

56.693912

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79.371477

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111.120068

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155.568096

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217.795334

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304.913467

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426.878854

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597.630396

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836.682554

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1171.355576

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22

1639.897806

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2295.856929

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3214.199700

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25

4499.879581

11247.198951

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26

6299.831413

15747.078532

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27

8819.763978

22046.909945

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28

12347.669569

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29

17286.737397

43214.343492

0.000023

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0.400023

30

24201.432355

60501.080889

0.000017

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2.499897

0.400017

a=45%
An

(1+a)h

(1 +a)h 1
a

a
(1 + a)h 1

1
(1 + a)

(1 + a) h 1
a(1 + a) h

a(1 + a) h
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1.450000

1.000000

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2.108500

0.474271

28.334269

60.742821

0.016463

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10

41.084691

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0.024340

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11

59.572802

130.161781

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12

86.380562

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13

125.251815

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14

181.615132

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15

263.341942

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16

381.845816

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17

553.676433

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18

802.830827

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19

1164.104699

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20

1687.951814

3748.781809

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21

2447.530131

5436.733623

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22

3548.918689

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23

5145.932100

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24

7461.601544

16579.114543

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25

10819.322239

24040.716087

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26

15688.017247

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27

22747.625008

50548.055573

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28

32984.056262

73295.680581

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29

47826.881579

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0.450009

30

69348.978290

154106.618422

0.000006

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2.222190

0.450006

a=50%
An

(1+a)h

(1 +a)h 1
a

a
(1 + a)h 1

1
(1 + a)

(1 + a) h 1
a(1 + a) h

a(1 + a) h
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1.500000

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11.390625

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38.443359

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1.947975

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10

57.665039

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0.508824

11

86.497559

170.995117

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12

129.746338

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13

194.619507

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14

291.929260

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15

437.893890

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16

656.840836

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17

985.261253

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18

1477.891880

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19

2216.837820

4431.675640

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20

3325.256730

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21

4987.885095

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22

7481.827643

14961.655285

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23

11222.741464

22443.482928

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24

16834.112196

33666.224392

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25

25251.168294

50500.336588

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26

37876.752441

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27

56815.128662

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28

85222.692992

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29

127834.039489

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0.000004

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1.999984

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30

191751.059233

383500.118466

0.000003

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1.999990

0.500003

a=55%
An

(1+a)h

(1 +a)h 1
a

a
(1 + a)h 1

1
(1 + a)

(1 + a) h 1
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1.550000

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51.639887

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10

80.041825

143.712409

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0.556958

11

124.064829

223.754234

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12

192.300484

347.819062

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0.552875

13

298.065751

540.119547

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14

462.001914

838.185297

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15

716.102966

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16

1109.959597

2016.290177

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17

1720.437376

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18

2666.677933

4846.687150

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19

4133.350796

7513.365083

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20

6406.693733

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21

9930.375287

18053.409612

0.000055

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22

15392.081694

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23

23857.726626

43375.866594

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24

36979.476271

67233.593220

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25

57318.188220

104213.069491

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26

88843.191741

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27

137706.947199

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28

213445.768158

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29

330840.940645

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0.550002

30

512803.458000

932368.105454

0.000001

0.000002

1.818178

0.550001

a=60%
An

(1+a)h

(1 +a)h 1
a

a
(1 + a)h 1

1
(1 + a)

(1 + a) h 1
a(1 + a) h

a(1 + a) h
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1.600000

1.000000

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10.485760

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16.777216

26.295360

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26.843546

43.072576

0.023217

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1.604578

0.623217

42.949673

69.916122

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1.627862

0.614303

68.719477

112.865795

0.008860

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1.642413

0.608860

10

109.951163

181.585271

0.005507

0.009095

1.651508

0.605507

11

175.921860

291.536434

0.003430

0.005684

1.657193

0.603430

12

281.474977

467.458295

0.002139

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1.660745

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13

450.359963

748.933271

0.001335

0.002220

1.662966

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14

720.575940

1199.293234

0.000834

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15

1152.921505

1919.869174

0.000521

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16

1844.674407

3072.790679

0.000325

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17

2951.479052

4917.465086

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1.666102

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18

4722.366483

7868.944138

0.000127

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19

7555.786373

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0.000079

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20

12089.258196

20147.096994

0.000050

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21

19342.813114

32236.355190

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22

30948.500982

51579.168304

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23

49517.601571

82527.669286

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0.600012

24

79228.162514

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25

126765.060023

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26

202824.096037

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27

324518.553658

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28

519229.685853

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29

830767.497366

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30

1329227.99578

2215378.32630

0.000000

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0.600000

a=65%
An

(1+a)h

(1 +a)h 1
a

a
(1 + a)h 1

1
(1 + a)

(1 + a) h 1
a(1 + a) h

a(1 + a) h
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1.650000

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90.647430

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10

149.568260

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11

246.787629

378.134815

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1.532228

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12

407.199589

624.922444

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13

671.879321

1032.122033

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0.001488

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14

1108.600880

1704.001354

0.000587

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0.650587

15

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