ANEXA: TABELE DE COMPUNERE SI DISCONTARE

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

1 1.010000 1.000000 1.000000 0.990099 0.990099 1.010000

2 1.020100 2.010000 0.497512 0.980296 1.970395 0.507512

3 1.030301 3.030100 0.330022 0.970590 2.940985 0.340022

4 1.040604 4.060401 0.246281 0.960980 3.901966 0.256281

5 1.051010 5.101005 0.196040 0.951466 4.853431 0.206040

6 1.061520 6.152015 0.162548 0.942045 5.795476 0.172548

7 1.072135 7.213535 0.138628 0.932718 6.728195 0.148628
8 1.082857 8.285671 0.120690 0.923483 7.651678 0.130690

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a) h − 1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.020000 1.000000 1.000000 0.980392 0.980392 1.020000

2 1.040400 2.020000 0.495050 0.961169 1.941561 0.515050

3 1.061208 3.060400 0.326755 0.942322 2.883883 0.346755

4 1.082432 4.121608 0.242624 0.923845 3.807729 0.262624

5 1.104081 5.204040 0.192158 0.905731 4.713460 0.212158

6 1.126162 6.308121 0.158526 0.887971 5.601431 0.178526

7 1.148686 7.434283 0.134512 0.870560 6.471991 0.154512

8 1.171659 8.582969 0.116510 0.853490 7.325481 0.136510

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h − 1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.030000 1.000000 1.000000 0.970874 0.970874 1.030000

2 1.060900 2.030000 0.492611 0.942596 1.913470 0.522611

3 1.092727 3.090900 0.323530 0.915142 2.828611 0.353530

4 1.125509 4.183627 0.239027 0.888487 3.717098 0.269027

5 1.159274 5.309136 0.188355 0.862609 4.579707 0.218355

6 1.194052 6.468410 0.154598 0.837484 5.417191 0.184598

7 1.229874 7.662462 0.130506 0.813092 6.230283 0.160506

8 1.266770 8.892336 0.112456 0.789409 7.019692 0.142456

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h − 1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.040000 1.000000 1.000000 0.961538 0.961538 1.040000

2 1.081600 2.040000 0.490196 0.924556 1.886095 0.530196

3 1.124864 3.121600 0.320349 0.888996 2.775091 0.360349

4 1.169859 4.246464 0.235490 0.854804 3.629895 0.275490

5 1.216653 5.416323 0.184627 0.821927 4.451822 0.224627

6 1.265319 6.632975 0.150762 0.790315 5.242137 0.190762

7 1.315932 7.898294 0.126610 0.759918 6.002055 0.166610

8 1.368569 9.214226 0.108528 0.730690 6.732745 0.148528

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h − 1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.050000 1.000000 1.000000 0.952381 0.952381 1.050000

2 1.102500 2.050000 0.48 7805 0.907029 1.859410 0.537805

3 1.157625 3.152500 0.317209 0.863838 2.723248 0.367209

4 1.215506 4.310125 0.232012 0.822702 3.545951 0.282012

5 1.276282 5.525631 0.180975 0.783526 4.329477 0.230975

6 1.340096 6.801913 0.147017 0.746215 5.075692 0.197017

7 1.407100 8.142008 0.122820 0.710681 5.786373 0.172820

8 1.477455 9.549109 0.104722 0.676839 6.463213 0.154722

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 +a)h −1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.060000 1.000000 1.000000 0.943396 0.943396 1.060000

2 1.123600 2.060000 0.485437 0.889996 1.833393 0.545437

3 1.191016 3.183600 0.314110 0.839619 2.673012 0.374110

4 1.262477 4.374616 0.228591 0.792094 3.465106 0.288591

5 1.338226 5.637093 0.177396 0.747258 4.212364 0.237396

6 1.418519 6.975319 0.143363 0.704961 4.917324 0.203363

7 1.503630 8.393838 0.119135 0.665057 5.582381 0.179135

8 1.593848 9.897468 0.101036 0.627412 6.209794 0.161036

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a) h − 1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.070000 1.000000 1.000000 0.934579 0.934579 1.070000

2 1.144900 2.070000 0.483092 0.873439 1.808018 0.553092

3 1.225043 3.214900 0.311052 0.816298 2.624316 0.381052

4 1.310796 4.439943 0.225 228 0.762895 3.387211 0.295228

5 1.402552 5.750739 0.173891 0.712986 4.100197 0.243891

6 1.500730 7.153291 0.139796 0.666342 4.766540 0.209796

7 1.605781 8.654021 0.115553 0.622750 5.389289 0.185553

8 1.718186 10.259803 0.097468 0.582009 5.971299 0.167468

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a) h − 1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.080000 1.000000 1.000000 0.925926 0.925926 1.080000

2 1.166400 2.080000 0.480769 0.857339 1.783265 0.560769

3 1.259712 3.246400 0.308034 0.793832 2.577097 0.388034

4 1.360489 4.506112 0.221921 0.735030 3.312127 0.301921

5 1.469328 5.866601 0.170456 0.680583 3.992710 0.250456

6 1.586874 7.335929 0.136315 0.630170 4.622880 0.216315

7 1.713824 8.922803 0.112072 0.583490 5.206370 0.192072

8 1.850930 10.636628 0.094015 0.540269 5.746639 0.174015

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.090000 1.000000 1.000000 0.917431 0.917431 1.090000

2 1.188100 2.090000 0.478469 0.841680 1.759111 0.568469

3 1.295029 3.278100 0.305055 0.772183 2.531295 0.395055

4 1.411582 4.573129 0.218669 0.708425 3.239720 0.308669

5 1.538624 5.984711 0.167092 0.649931 3.889651 0.257092

6 1.677100 7.523335 0.132920 0.596267 4.485919 0.222920

7 1.828039 9.200435 0.108691 0.547034 5.032953 0.198691

8 1.992563 11.028474 0.090674 0.501866 5.534819 0.180674

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h − 1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.100000 1.000000 1.000000 0.909091 0.909091 1.100000

2 1.210000 2.100000 0.476190 0.826446 1.735537 0.576190

3 1.331000 3.310000 0.302115 0.751315 2.486852 0.402115

4 1.464100 4.641000 0.215471 0.683013 3.169865 0.315471

5 1.610510 6.105100 0.163797 0.620921 3.790787 0.263797

6 1.771561 7.715610 0.129607 0.564474 4.355261 0.229607

7 1.948717 9.487171 0.105405 0.513158 4.868419 0.205405

8 2.143589 11.435888 0.087444 0.466507 5.334926 0.187444

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h − 1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.110000 1.000000 1.000000 0.900901 0.900901 1.110000

2 1.232100 2.110000 0.473934 0.811622 1.712523 0.583934

3 1.367631 3.342100 0.299213 0.731191 2.443715 0.409213

4 1.518070 4.709731 0.212326 0.658731 3.102446 0.322326

5 1.685058 6.227801 0.160570 0.593451 3.695897 0.270570

6 1.870415 7.912860 0.126377 0.534641 4.230538 0.236377

7 2.076160 9.783274 0.102215 0.481658 4.712196 0.212215

8 2.304538 11.859434 0.084321 0.433926 5.146123 0.194321

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h − 1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.120000 1.000000 1.000000 0.892857 0.892857 1.120000

2 1.254400 2.120000 0.471698 0.797194 1.6900 51 0.591698

3 1.404928 3.374400 0.296349 0.711780 2.401831 0.416349

4 1.573519 4.779328 0.209234 0.635518 3.037349 0.329234

5 1.762342 6.352847 0.157410 0.567427 3.604776 0.277410

6 1.973823 8.115189 0.123226 0.506631 4.111407 0.243226

7 2.210681 10.089012 0.099118 0.452349 4.563757 0.219118

8 2.475963 12.299693 0.081303 0.403883 4.967640 0.201303

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h − 1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.130000 1.000000 1.000000 0.884956 0.884956 1.130000

2 1.276900 2.130000 0.469484 0.783147 1.668102 0.599484

3 1.442897 3.406900 0.293522 0.693050 2.361153 0.423522

4 1.630474 4.849797 0.206194 0.613319 2.974471 0.336194

5 1.842435 6.480271 0.154315 0.542760 3.517231 0.284315

6 2.081952 8.322706 0.120153 0.480319 3.997550 0.250153

7 2.352605 10.404658 0.096111 0.425061 4.422610 0.226111

8 2.658444 12.757263 0.078387 0.376160 4.798770 0.208387

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h − 1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.140000 1.000000 1.000000 0.877193 0.877193 1.140000

2 1.299600 2.140000 0.467290 0.769468 1.646661 0.607290

3 1.481544 3.439600 0.290731 0.674972 2.321632 0.430731

4 1.688960 4.921144 0.203 205 0.592080 2.913712 0.343205

5 1.925415 6.610104 0.151284 0.519369 3.433081 0.291284

6 2.194973 8.535519 0.117157 0.455587 3.888668 0.257157

7 2.502269 10.730491 0.093192 0.399637 4.288305 0.233192

8 2.852586 13.232760 0.075570 0.350559 4.638864 0.21 5570

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h − 1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.150000 1.000000 1.000000 0.869565 0.869565 1.150000

2 1.322500 2.150000 0.465116 0.756144 1.625709 0.615116

3 1.520875 3.472500 0.287977 0.657516 2.283225 0.437977

4 1.749006 4.993375 0.200265 0.571753 2.854978 0.350265

5 2.011357 6.742381 0.148316 0.497177 3.352155 0.298316

6 2.313061 8.753738 0.114237 0.432328 3.784483 0.264237

7 2.660020 11.066799 0.090360 0.375937 4.160420 0.240360

8 3.059023 13.726819 0.072850 0.326902 4.487322 0.222850

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a)h a(1 + a) h (1 + a) h − 1

1 1.200000 1.000000 1.000000 0.833333 0.833333 1.200000

2 1.440000 2.200000 0.454545 0.694444 1.527778 0.654545

3 1.728000 3.640000 0.274725 0.578704 2.106481 0.474725

4 2.073600 5.368000 0.186289 0.482253 2.588735 0.386289

5 2.488320 7.441600 0.134380 0.401878 2.990612 0.334380

6 2.985984 9.929920 0.100706 0.334898 3.325510 0.300706

7 3.583181 12.915904 0.077424 0.279082 3.604592 0.277424

8 4.299817 16.499085 0.060609 0.232568 3.837160 0.260609

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h a(1 + a) h (1 + a) h − 1

1 1.250000 1.000000 1.000000 0.800000 0.800000 1.250000

2 1.562500 2.250000 0.444444 0.640000 1.440000 0.694444

3 1.953125 3.812500 0.262295 0.512000 1.952000 0.512295

4 2.441406 5.765625 0.173442 0.409600 2.361600 0.423442

5 3.051758 8.207031 0.121847 0.327680 2.689280 0.371847

6 3.814697 11.258789 0.088819 0.262144 2.951424 0.338819

7 4.768372 15.073486 0.066342 0.209715 3.161139 0.316342

8 5.960464 19.841858 0.050399 0.167772 3.328911 0.300399

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.300000 1.000000 1.000000 0.769231 0.769231 1.300000

2 1.690000 2.300000 0.434783 0.591716 1.360947 0.734783

3 2.197000 3.990000 0.250627 0.455166 1.816113 0.550627

4 2.856100 6.187000 0.161629 0.350128 2.166241 0.461629

5 3.712930 9.043100 0.110582 0.269329 2.435570 0.410582
6 4.826809 12.756030 0.078394 0.207176 2.642746 0.378394

7 6.274852 17.582839 0.056874 0.159366 2.802112 0.356874

8 8.157307 23.857691 0.041915 0.122589 2.924702 0.341915

9 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.350000 1.000000 1.000000 0.740741 0.740741 1.350000

2 1.822500 2.350000 0.425532 0.548697 1.289438 0.775532

3 2.460375 4.172500 0.239664 0.406442 1.695880 0.589664

4 3.321506 6.632875 0.150764 0.301068 1.996948 0.500764

5 4.484033 9.954381 0.100458 0.223014 2.219961 0.450458
6 6.053445 14.438415 0.069260 0.165195 2.385157 0.419260

7 8.172151 20.491860 0.048800 0.122367 2.507523 0.398800

8 11.032404 28.664011 0.034887 0.090642 2.598165 0.384887

9 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 74.696715 0.013387 0.036841 2.751884 0.363387

12 36.644198 101.840566 0.009819 0.027289 2.779173 0.359819

13 49.469667 138.484764 0.007221 0.020214 2.799387 0.357221

14 66.784051 187.954431 0.005320 0.014974 2.814361 0.355320
15 90.158469 254.738482 0.003926 0.011092 2.825453 0.353926

16 121.713933 344.896951 0.002899 0.008216 2.833669 0.352899

17 164.313809 466.610884 0.002143 0.006086 2.839755 0.352143

18 221.823643 630.924694 0.001585 0.004508 2.844263 0.351585

19 299.461918 852.748336 0.001173 0.003339 2.847602 0.351173

20 404.273589 1152.210254 0.000868 0.002474 2.850076 0.350868

21 545.769345 1556.483843 0.000642 0.001832 2.851908 0.350642

22 736.788616 2102.253188 0.000476 0.001357 2.853265 0.350476

23 994.664631 2839.041804 0.000352 0.001005 2.854270 0.350352

24 1342.797252 3833.706435 0.000261 0.000745 2.855015 0.350261

25 1812.776291 5176.503687 0.000193 0.000552 2.855567 0.350193

26 2447.247992 6989.279978 0.000143 0.000409 2.855975 0.350143

27 3303.784789 9436.527970 0.000106 0.000303 2.856278 0.350106

28 4460.109466 12740.312759 0.000078 0.000224 2.856502 0.350078

29 6021.147779 17200.422225 0.000058 0.000166 2.856668 0.350058

30 8128.549501 23221.570004 0.000043 0.000123 2.856791 0.350043
 a=40%
An (1+a)h (1 +a)h −1 a 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.400000 1.000000 1.000000 0.714286 0.714286 1.400000

2 1.960000 2.4000 00 0.416667 0.510204 1.224490 0.816667

3 2.744000 4.360000 0.229358 0.364431 1.588921 0.629358

4 3.841600 7.104000 0.140766 0.260308 1.849229 0.540766

5 5.378240 10.945600 0.091361 0.185934 2.035164 0.491361
6 7.529536 16.323840 0.061260 0.132810 2.167974 0.461260

7 10.541350 23.853376 0.041923 0.094865 2.262839 0.441923

8 14.757891 34.394726 0.029074 0.067760 2.330599 0.429074

9 20.661047 49.152617 0.020345 0.048400 2.378999 0.420345

10 28.925465 69.813664 0.014324 0.034572 2.413571 0.414324

11 40.495652 98.739129 0.010128 0.024694 2.438265 0.410128

12 56.693912 139.234781 0.007182 0.017639 2.455904 0.407182

13 79.371477 195.928693 0.005104 0.012599 2.468503 0.405104

14 111.120068 275.300171 0.003632 0.008999 2.477502 0.403632
15 155.568096 386.420239 0.002588 0.006428 2.483930 0.402588

16 217.795334 541.988334 0.001845 0.004591 2.488521 0.401845

17 304.913467 759.783668 0.001316 0.003280 2.491801 0.401316

18 426.878854 1064.697136 0.000939 0.002343 2.494144 0.400939

19 597.630396 1491.575990 0.000670 0.001673 2.495817 0.400670

20 836.682554 2089.206386 0.000479 0.001195 2.497012 0.400479

21 1171.355576 2925.888940 0.000342 0.000854 2.497866 0.400342

22 1639.897806 4097.244516 0.000244 0.000610 2.498476 0.400244

23 2295.856929 5737.142322 0.000174 0.000436 2.498911 0.400174

24 3214.199700 8032.999251 0.000124 0.000311 2.499222 0.400124

25 4499.879581 11247.198951 0.000089 0.000222 2.499444 0.400089

26 6299.831413 15747.078532 0.000064 0.000159 2.499603 0.400064

27 8819.763978 22046.909945 0.000045 0.000113 2.499717 0.400045

28 12347.669569 30866.673923 0.000032 0.000081 2.499798 0.400032

29 17286.737397 43214.343492 0.000023 0.000058 2.499855 0.400023

30 24201.432355 60501.080889 0.000017 0.000041 2.499897 0.400017
 a=45%
An (1+a)h (1 +a)h −1 a 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.450000 1.000000 1.000000 0.689655 0.689655 1.450000

2 2.102500 2.450000 0.408163 0.475624 1.165279 0.858163

3 3.048625 4.552500 0.219660 0.328017 1.493296 0.669660

4 4.420506 7.601125 0.131559 0.226218 1.719515 0.581559

5 6.409734 12.021631 0.083183 0.156013 1.875527 0.533183
6 9.294114 18.431365 0.054255 0.107595 1.983122 0.504255

7 13.476466 27.725480 0.036068 0.074203 2.057326 0.486068

8 19.540876 41.201946 0.024271 0.051175 2.108500 0.474271

9 28.334269 60.742821 0.016463 0.035293 2.143793 0.466463

10 41.084691 89.077091 0.011226 0.024340 2.168133 0.461226

11 59.572802 130.161781 0.007683 0.016786 2.184920 0.457683

12 86.380562 189.734583 0.005271 0.011577 2.196496 0.455271

13 125.251815 276.115145 0.003622 0.007984 2.204480 0.453622

14 181.615132 401.366961 0.002491 0.005506 2.209986 0.452491
15 263.341942 582.982093 0.001715 0.003797 2.213784 0.451715

16 381.845816 846.324035 0.001182 0.002619 2.216403 0.451182

17 553.676433 1228.169850 0.000814 0.001806 2.218209 0.450814

18 802.830827 1781.846283 0.000561 0.001246 2.219454 0.450561

19 1164.104699 2584.677110 0.000387 0.000859 2.220313 0.450387

20 1687.951814 3748.781809 0.000267 0.000592 2.220906 0.45026 7

21 2447.530131 5436.733623 0.000184 0.000409 2.221314 0.450184

22 3548.918689 7884.263754 0.000127 0.000282 2.221596 0.450127

23 5145.932100 11433.182443 0.000087 0.000194 2.221790 0.450087

24 7461.601544 16579.114543 0.000060 0.000134 2.221924 0.450060

25 10819.322239 24040.716087 0.000042 0.000092 2.222017 0.450042

26 15688.017247 34860.038326 0.000029 0.000064 2.222081 0.450029

27 22747.625008 50548.055573 0.000020 0.000044 2.222125 0.450020

28 32984.056262 73295.680581 0.000014 0.000030 2.222155 0.450014

29 47826.881579 106279.736843 0.000009 0.000021 2.222176 0.450009

30 69348.978290 154106.618422 0.000006 0.000014 2.222190 0.450006
 a=50%
An (1+a)h (1 +a)h −1 a 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.500000 1.000000 1.000000 0.666667 0.666667 1.500000

2 2.250000 2.500000 0.400000 0.444444 1.111111 0.900000

3 3.375000 4.750000 0.210526 0.296296 1.407407 0.710526

4 5.062500 8.125000 0.123077 0.197531 1.604938 0.623077

5 7.593750 13.187500 0.075829 0.131687 1.736626 0.575829
6 11.390625 20.781250 0.048120 0.087791 1.824417 0.548120

7 17.085938 32.171875 0.031083 0.058528 1.882945 0.531083

8 25.628906 49.257813 0.020301 0.039018 1.921963 0.520301

9 38.443359 74.886719 0.013354 0.026012 1.947975 0.513354

10 57.665039 113.330078 0.008824 0.017342 1.965317 0.508824

11 86.497559 170.995117 0.005848 0.011561 1.976878 0.505848

12 129.746338 257.492676 0.003884 0.007707 1.984585 0.503884

13 194.619507 387.239014 0.002582 0.005138 1.989724 0.502582

14 291.929260 581.858521 0.001719 0.003425 1.993149 0.501719
15 437.893890 873.787781 0.001144 0.002284 1.995433 0.501144

16 656.840836 1311.681671 0.000762 0.001522 1.996955 0.500762

17 985.261253 1968.522507 0.000508 0.001015 1.997970 0.500508

18 1477.891880 2953.783760 0.000339 0.000677 1.998647 0.500339

19 2216.837820 4431.675640 0.000226 0.000451 1.999098 0.500226

20 3325.256730 6648.513460 0.000150 0.000301 1.999399 0.500150

21 4987.885095 9973.770190 0.000100 0.000200 1.999599 0.500100

22 7481.827643 14961.655285 0.000067 0.000134 1.999733 0.500067

23 11222.741464 22443.482928 0.000045 0.000089 1.999822 0.500045

24 16834.112196 33666.224392 0.000030 0.000059 1.999881 0.500030

25 25251.168294 50500.336588 0.000020 0.000040 1.999921 0.500020

26 37876.752441 75751.504882 0.000013 0.000026 1.999947 0.500013

27 56815.128662 113628.257323 0.000009 0.000018 1.999965 0.500009

28 85222.692992 170443.385985 0.000006 0.000012 1.999977 0.500006

29 127834.039489 255666.078977 0.000004 0.000008 1.999984 0.500004

30 191751.059233 383500.118466 0.000003 0.000005 1.999990 0.500003
 a=55%
An (1+a)h (1 +a)h −1 a 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.550000 1.000000 1.000000 0.645161 0.645161 1.550000

2 2.402500 2.550000 0.392157 0.416233 1.061394 0.942157

3 3.723875 4.952500 0.201918 0.268537 1.329932 0.751918

4 5.772006 8.676375 0.115256 0.173250 1.503182 0.665256

5 8.946610 14.448381 0.069212 0.111774 1.614956 0.619212
6 13.867245 23.394991 0.042744 0.072112 1.687068 0.592744

7 21.494230 37.262236 0.026837 0.046524 1.733593 0.576837

8 33.316056 58.756466 0.017019 0.030016 1.763608 0.567019

9 51.639887 92.072522 0.010861 0.019365 1.782973 0.560861

10 80.041825 143.712409 0.006958 0.012493 1.795466 0.556958

11 124.064829 223.754234 0.004469 0.008060 1.803527 0.554469

12 192.300484 347.819062 0.002875 0.005200 1.808727 0.552875

13 298.065751 540.119547 0.001851 0.003355 1.812082 0.551851

14 462.001914 838.185297 0.001193 0.002164 1.814246 0.551193
15 716.102966 1300.187211 0.000769 0.001396 1.815643 0.550769

16 1109.959597 2016.290177 0.000496 0.000901 1.816544 0.550496

17 1720.437376 3126.249774 0.000320 0.000581 1.817125 0.550320

18 2666.677933 4846.687150 0.000206 0.000375 1.817500 0.550206

19 4133.350796 7513.365083 0.000133 0.000242 1.817742 0.550133

20 6406.693733 11646.715879 0.000086 0.000156 1.817898 0.550086

21 9930.375287 18053.409612 0.000055 0.000101 1.817999 0.550055

22 15392.081694 27983.784899 0.000036 0.000065 1.818064 0.550036

23 23857.726626 43375.866594 0.000023 0.000042 1.818106 0.550023

24 36979.476271 67233.593220 0.000015 0.000027 1.818133 0.550015

25 57318.188220 104213.069491 0.000010 0.000017 1.818150 0.550010

26 88843.191741 161531.257711 0.000006 0.000011 1.818161 0.550006

27 137706.947199 250374.449452 0.000004 0.000007 1.818169 0.550004

28 213445.768158 388081.396651 0.000003 0.000005 1.818173 0.550003

29 330840.940645 601527.164809 0.000002 0.000003 1.818176 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 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.600000 1.000000 1.000000 0.625000 0.625000 1.600000

2 2.560000 2.600000 0.384615 0.390625 1.015625 0.984615

3 4.096000 5.160000 0.193798 0.244141 1.259766 0.793798

4 6.553600 9.256000 0.108038 0.152588 1.412354 0.708038

5 10.485760 15.809600 0.063253 0.095367 1.507721 0.663253
6 16.777216 26.295360 0.038030 0.059605 1.567326 0.638030

7 26.843546 43.072576 0.023217 0.037253 1.604578 0.623217

8 42.949673 69.916122 0.014303 0.023 283 1.627862 0.614303

9 68.719477 112.865795 0.008860 0.014552 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 0.003553 1.660745 0.602139

13 450.359963 748.933271 0.001335 0.002220 1.662966 0.601335

14 720.575940 1199.293234 0.000834 0.001388 1.664354 0.600834
15 1152.921505 1919.869174 0.000521 0.000867 1.665221 0.600521

16 1844.674407 3072.790679 0.000325 0.000542 1.665763 0.600325

17 2951.479052 4917.465086 0.000203 0.000339 1.666102 0.600203

18 4722.366483 7868.944138 0.000127 0.000212 1.666314 0.600127

19 7555.786373 12591.310621 0.000079 0.000132 1.666446 0.600079

20 12089.258196 20147.096994 0.000050 0.000083 1.666529 0.600050

21 19342.813114 32236.355190 0.000031 0.000052 1.666581 0.600031

22 30948.500982 51579.168304 0.000019 0.000032 1.666613 0.600019

23 49517.601571 82527.669286 0.000012 0.000020 1.666633 0.600012

24 79228.162514 132045.270857 0.000008 0.000013 1.666646 0.600008

25 126765.060023 211273.433371 0.000005 0.000008 1.666654 0.600005

26 202824.096037 338038.493394 0.000003 0.000005 1.666658 0.600003

27 324518.553658 540862.589431 0.000002 0.000003 1.666662 0.600002

28 519229.685853 865381.143089 0.000001 0.000002 1.666663 0.600001

29 830767.497366 1384610.828943 0.000001 0.000001 1.666665 0.600001

30 1329227.99578 2215378.32630 0.000000 0.000001 1.666665 0.600000
 a=65%
An (1+a)h (1 +a)h −1 a 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.650000 1.000000 1.000000 0.606061 0.606061 1.650000

2 2.722500 2.650000 0.377358 0.367309 0.973370 1.027358

3 4.492125 5.372500 0.186133 0.222612 1.195982 0.836133

4 7.412006 9.864625 0.101372 0.134916 1.330898 0.751372

5 12.229810 17.276631 0.057882 0.081 767 1.412666 0.707882
6 20.179187 29.506442 0.033891 0.049556 1.462222 0.683891

7 33.295659 49.685629 0.020127 0.030034 1.492255 0.670127

8 54.937837 82.981287 0.012051 0.018202 1.510458 0.662051

9 90.647430 137.919124 0.007251 0.011032 1.521490 0.657251

10 149.568260 228.566554 0.004375 0.006686 1.528176 0.654375

11 246.787629 378.134815 0.002645 0.004052 1.532228 0.652645

12 407.199589 624.922444 0.001600 0.002456 1.534683 0.651600

13 671.879321 1032.122033 0.000969 0.001488 1.536172 0.650969

14 1108.600880 1704.001354 0.000587 0.000902 1.537074 0.650587
15 1829.191452 2812.602234 0.000356 0.000547 1.537620 0.650356

16 3018.165896 4641.793686 0.000215 0.000331 1.537952 0.650215

17 4979.973728 7659.959582 0.000131 0.000201 1.538153 0.650131

18 8216.956651 12639.933310 0.000079 0.000122 1.538274 0.650079

19 13557.978475 20856.889961 0.000048 0.000074 1.538348 0.650048

20 22370.664483 34414.868436 0.000029 0.000045 1.538393 0.650029

21 36911.596397 56785.532919 0.000018 0.000027 1.538420 0.650018

22 60904.134055 93697.129316 0.000011 0.000016 1.538436 0.650011

23 100491.821191 154601.263371 0.000006 0.000010 1.538446 0.650006

24 165811.504965 255093.084562 0.000004 0.000006 1.538452 0.650004

25 273588.983193 420904.589528 0.000002 0.000004 1.538456 0.650002

26 451421.822268 694493.572721 0.000001 0.000002 1.538458 0.650001

27 744846.006743 1145915.394989 0.000001 0.000001 1.538459 0.650001

28 1228995.91112 1890761.401732 0.000001 0.000001 1.538460 0.650001

29 2027843.25335 3119757.312857 0.000000 0.000000 1.538461 0.650000

30 1329227.99578 2215378.326308 0.000000 0.000001 1.666665 0.600000
 a=70%
An (1+a)h (1 +a)h −1 a 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.700000 1.000000 1.000000 0.588235 0.588235 1.700000

2 2.890000 2.700000 0.370370 0.346021 0.934256 1.070370

3 4.913000 5.590000 0.178891 0.203542 1.137798 0.878891

4 8.352100 10.503000 0.095211 0.119730 1.257528 0.795211

5 14.198570 18.855100 0.053036 0.070430 1.327958 0.753036
6 24.137569 33.053670 0.030254 0.041429 1.369387 0.730254

7 41.033867 57.191239 0.017485 0.024370 1.393757 0.717485

8 69.757574 98.225106 0.010181 0.014335 1.408092 0.710181

9 118.587876 167.982681 0.005953 0.008433 1.416525 0.705953

10 201.599390 286.570557 0.003490 0.004960 1.421485 0.703490

11 342.718963 488.169947 0.002048 0.002918 1.424403 0.702048

12 582.622237 830.888910 0.001204 0.001716 1.426119 0.701204

13 990.457803 1413.511148 0.000707 0.001010 1.427129 0.700707

14 1683.778266 2403.968951 0.000416 0.000594 1.427723 0.700416
15 2862.423052 4087.747216 0.000245 0.000349 1.428072 0.700245

16 4866.119188 6950.170268 0.000144 0.000206 1.428278 0.700144

17 8272.402619 11816.289456 0.000085 0.000121 1.428399 0.700085

18 14063.084452 20088.692074 0.000050 0.000071 1.428470 0.700050

19 23907.243569 34151.776526 0.000029 0.000042 1.428512 0.700029

20 40642.314066 58059.020095 0.000017 0.000025 1.428536 0.700017

21 69091.933913 98701.334161 0.000010 0.000014 1.428551 0.700010

22 117456.287652 167793.268074 0.000006 0.000009 1.428559 0.700006

23 199675.689009 285249.555727 0.000004 0.000005 1.428564 0.700004

24 339448.671315 484925.244735 0.000002 0.000003 1.428567 0.700002

25 577062.741235 824373.916050 0.000001 0.000002 1.428569 0.700001

26 981006.660099 1401436.657285 0.000001 0.000001 1.428570 0.700001

27 1667711.32216 2382443.317384 0.000000 0.000001 1.428571 0.700000

28 2835109.24768 4050154.639553 0.000000 0.000000 1.428571 0.700000

29 4819685.72106 6885263.887239 0.000000 0.000000 1.428571 0.700000

30 8193465.72581 11704949.60830 0.000000 0.000000 1.428571 0.700000
 a=75%
An (1+a)h (1 +a)h −1 a 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.750000 1.000000 1.000000 0.571429 0.571429 1.750000

2 3.062500 2.750000 0.363636 0.326531 0.897959 1.113636

3 5.359375 5.812500 0.172043 0.186589 1.084548 0.922043

4 9.378906 11.171875 0.089510 0.106622 1.191170 0.839510

5 16.413086 20.550781 0.048660 0.060927 1.252097 0.798660
6 28.722900 36.963867 0.027053 0.034815 1.286913 0.777053

7 50.265076 65.686768 0.015224 0.019895 1.306807 0.765224

8 87.963882 115.951843 0.008624 0.011368 1.318176 0.758624

9 153.936794 203.915726 0.004904 0.006496 1.324672 0.754904

10 269.389390 357.852520 0.002794 0.003712 1.328384 0.752794

11 471.431432 627.241910 0.001594 0.002121 1.330505 0.751594

12 825.005007 1098.673342 0.000910 0.001212 1.331717 0.750910

13 1443.758762 1923.678349 0.000520 0.000693 1.332410 0.750520

14 2526.577833 3367.437111 0.000297 0.000396 1.332806 0.750297
15 4421.511209 5894.014945 0.000170 0.000226 1.333032 0.750170

16 7737.644615 10315.526153 0.000097 0.000129 1.333161 0.750097

17 13540.878076 18053.170768 0.000055 0.000074 1.333235 0.750055

18 23696.536634 31594.048845 0.000032 0.000042 1.333277 0.750032

19 41468.939109 55290.585478 0.000018 0.000024 1.333301 0.75 0018

20 72570.643440 96759.524587 0.000010 0.000014 1.333315 0.750010

21 126998.626020 169330.168027 0.000006 0.000008 1.333323 0.750006

22 222247.595535 296328.794047 0.000003 0.000004 1.333327 0.750003

23 388933.292187 518576.389583 0.000002 0.000003 1.333330 0.750002

24 680633.261327 907509.681770 0.000001 0.000001 1.333331 0.750001

25 1191108.20732 1588142.943097 0.000001 0.000001 1.333332 0.750001

26 2084439.36281 2779251.150419 0.000000 0.000000 1.333333 0.750000

27 3647768.88492 4863690.513234 0.000000 0.000000 1.333333 0.750000

28 6383595.54861 8511459.398159 0.000000 0.000000 1.333333 0.750000

29 11171292.2100 14895054.94677 0.000000 0.000000 1.333333 0.750000

30 19549761.3676 26066347.15686 0.000000 0.000000 1.333333 0.750000
 a=80%
An (1+a)h (1 +a)h −1 a 1 (1 + a) h − 1 a(1 + a) h
a (1 + a)h −1 (1 + a) h
a(1 + a) h (1 + a) h − 1

1 1.800000 1.000000 1.000000 0.555556 0.555556 1.800000

2 3.240000 2.800000 0.357143 0.308642 0.864198 1.157143

3 5.832000 6.040000 0.165563 0.171468 1.035665 0.965563

4 10.497600 11.872000 0.084232 0.095260 1.130925 0.884232

5 18.895680 22.369600 0.044704 0.052922 1.183847 0.844704
6 34.012224 41.265280 0.024233 0.029401 1.213249 0.824233

7 61.222003 75.277504 0.013284 0.016334 1.229583 0.813284

8 110.199606 136.499507 0.007326 0.009074 1.238657 0.807326

9 198.359290 246.699113 0.004054 0.005041 1.243698 0.804054

10 357.046723 445.058403 0.002247 0.002801 1.246499 0.802247

11 642.684101 802.105126 0.001247 0.001556 1.248055 0.801247

12 1156.831381 1444.789227 0.000692 0.000864 1.248919 0.800692

13 2082.296487 2601.620608 0.000384 0.000480 1.249400 0.800384

14 3748.133676 4683.917095 0.000213 0.000267 1.249667 0.800213
15 6746.640616 8432.050771 0.000119 0.000148 1.249815 0.800119

16 12143.953110 15178.691387 0.000066 0.000082 1.249897 0.800066

17 21859.115597 27322.644497 0.000037 0.000046 1.249943 0.800037

18 39346.408075 49181.760094 0.000020 0.000025 1.249968 0.800020

19 70823.534536 88528.168169 0.000011 0.000014 1.249982 0.800011

20 127482.362164 159351.702705 0.000006 0.000008 1.249990 0.800006

21 229468.251895 286834.064869 0.000003 0.000004 1.249995 0.800003

22 413042.853411 516302.316764 0.000002 0.000002 1.249997 0.800002

23 743477.136140 929345.170175 0.000001 0.000001 1.249998 0.800001

24 1338258.84505 1672822.306316 0.000001 0.000001 1.249999 0.800001

25 2408865.92109 3011081.151368 0.000000 0.000000 1.249999 0.800000

26 4335958.65797 5419947.072462 0.000000 0.000000 1.250000 0.800000

27 7804725.58434 9755905.730432 0.000000 0.000000 1.250000 0.800000

28 14048506.0518 17560631.31477 0.000000 0.000000 1.250000 0.800000

29 25287310.8932 31609137.36660 0.000000 0.000000 1.250000 0.800000

30 45517159.6079 56896448.25987 0.000000 0.000000 1.250000 0.800000