COMPOUND INTEREST TABLES

Single Payment. Uniform Payment Series. Arithmetic Gradient. Compound. Present. Sinking. Capital. Compound. Present. Gradient. Gradient. Amount. Worth...

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APPE N D I X C

COMPOUND INTEREST TABLES Values of Interest Factors When n Equals Infinity

Single Payment: (F/P, i, ∞) = ∞ (P/F, i, ∞) = 0 Arithmetic Gradient Series: (A/G, i, ∞) = 1/ i (P/G, i, ∞) = 1/ i 2

Uniform Payment Series: (A/F, i, ∞) = 0 (A/P, i, ∞) = i (F/A, i, ∞) = ∞ (P/A, i, ∞) = 1/ i

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i APPENDIX C: COMPOUND INTEREST TABLES 1/4%

1/4%

Compound Interest Factors Single Payment

Uniform Payment Series Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.003 1.005 1.008 1.010 1.013

.9975 .9950 .9925 .9901 .9876

1.0000 .4994 .3325 .2491 .1990

1.0025 .5019 .3350 .2516 .2015

1.000 2.003 3.008 4.015 5.025

0.998 1.993 2.985 3.975 4.963

0.000 0.499 0.998 1.497 1.995

0.000 0.995 2.980 5.950 9.901

1 2 3 4 5

6 7 8 9 10

1.015 1.018 1.020 1.023 1.025

.9851 .9827 .9802 .9778 .9753

.1656 .1418 .1239 .1100 .0989

.1681 .1443 .1264 .1125 .1014

6.038 7.053 8.070 9.091 10.113

5.948 6.931 7.911 8.889 9.864

2.493 2.990 3.487 3.983 4.479

14.826 20.722 27.584 35.406 44.184

6 7 8 9 10

11 12 13 14 15

1.028 1.030 1.033 1.036 1.038

.9729 .9705 .9681 .9656 .9632

.0898 .0822 .0758 .0703 .0655

.0923 .0847 .0783 .0728 .0680

11.139 12.167 13.197 14.230 15.266

10.837 11.807 12.775 13.741 14.704

4.975 5.470 5.965 6.459 6.953

53.913 64.589 76.205 88.759 102.244

11 12 13 14 15

16 17 18 19 20

1.041 1.043 1.046 1.049 1.051

.9608 .9584 .9561 .9537 .9513

.0613 .0577 .0544 .0515 .0488

.0638 .0602 .0569 .0540 .0513

16.304 17.344 18.388 19.434 20.482

15.665 16.624 17.580 18.533 19.485

7.447 7.944 8.433 8.925 9.417

116.657 131.992 148.245 165.411 183.485

16 17 18 19 20

21 22 23 24 25

1.054 1.056 1.059 1.062 1.064

.9489 .9465 .9442 .9418 .9395

.0464 .0443 .0423 .0405 .0388

.0489 .0468 .0448 .0430 .0413

21.534 22.587 23.644 24.703 25.765

20.434 21.380 22.324 23.266 24.206

9.908 10.400 10.890 11.380 11.870

202.463 222.341 243.113 264.775 287.323

21 22 23 24 25

26 27 28 29 30

1.067 1.070 1.072 1.075 1.078

.9371 .9348 .9325 .9301 .9278

.0373 .0358 .0345 .0333 .0321

.0398 .0383 .0370 .0358 .0346

26.829 27.896 28.966 30.038 31.114

25.143 26.078 27.010 27.940 28.868

12.360 12.849 13.337 13.825 14.313

310.752 335.057 360.233 386.278 413.185

26 27 28 29 30

36 40 48 50 52

1.094 1.105 1.127 1.133 1.139

.9140 .9049 .8871 .8826 .8782

.0266 .0238 .0196 .0188 .0180

.0291 .0263 .0221 .0213 .0205

37.621 42.014 50.932 53.189 55.458

34.387 38.020 45.179 46.947 48.705

17.231 19.167 23.021 23.980 24.938

592.499 728.740 1 040.055 1 125.777 1 214.588

36 40 48 50 52

60 70 72 80 84

1.162 1.191 1.197 1.221 1.233

.8609 .8396 .8355 .8189 .8108

.0155 .0131 .0127 .0113 .0107

.0180 .0156 .0152 .0138 .0132

64.647 76.395 78.780 88.440 93.343

55.653 64.144 65.817 72.427 75.682

28.751 33.481 34.422 38.169 40.033

1 600.085 2 147.611 2 265.557 2 764.457 3 029.759

60 70 72 80 84

90 96 100 104 120

1.252 1.271 1.284 1.297 1.349

.7987 .7869 .7790 .7713 .7411

.00992 .00923 .00881 .00843 .00716

.0124 .0117 .0113 .0109 .00966

100.789 108.349 113.451 118.605 139.743

80.504 85.255 88.383 91.480 103.563

42.816 45.584 47.422 49.252 56.508

3 446.870 3 886.283 4 191.242 4 505.557 5 852.112

90 96 100 104 120

240 360 480

1.821 2.457 3.315

.5492 .4070 .3016

.00305 .00172 .00108

.00555 .00422 .00358

328.306 582.745 926.074

180.312 237.191 279.343

107.586 152.890 192.670

19 398.985 36 263.930 53 820.752

240 360 480

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Sinking Fund Factor Find A Given F A/F

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Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

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i 596 APPENDIX C: COMPOUND INTEREST TABLES 1/2%

1/2%

Compound Interest Factors Single Payment

Uniform Payment Series

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.005 1.010 1.015 1.020 1.025

.9950 .9901 .9851 .9802 .9754

1.0000 .4988 .3317 .2481 .1980

1.0050 .5038 .3367 .2531 .2030

1.000 2.005 3.015 4.030 5.050

0.995 1.985 2.970 3.951 4.926

0 0.499 0.996 1.494 1.990

0 0.991 2.959 5.903 9.803

1 2 3 4 5

6 7 8 9 10

1.030 1.036 1.041 1.046 1.051

.9705 .9657 .9609 .9561 .9513

.1646 .1407 .1228 .1089 .0978

.1696 .1457 .1278 .1139 .1028

6.076 7.106 8.141 9.182 10.228

5.896 6.862 7.823 8.779 9.730

2.486 2.980 3.474 3.967 4.459

14.660 20.448 27.178 34.825 43.389

6 7 8 9 10

11 12 13 14 15

1.056 1.062 1.067 1.072 1.078

.9466 .9419 .9372 .9326 .9279

.0887 .0811 .0746 .0691 .0644

.0937 .0861 .0796 .0741 .0694

11.279 12.336 13.397 14.464 15.537

10.677 11.619 12.556 13.489 14.417

4.950 5.441 5.931 6.419 6.907

52.855 63.218 74.465 86.590 99.574

11 12 13 14 15

16 17 18 19 20

1.083 1.088 1.094 1.099 1.105

.9233 .9187 .9141 .9096 .9051

.0602 .0565 .0532 .0503 .0477

.0652 .0615 .0582 .0553 .0527

16.614 17.697 18.786 19.880 20.979

15.340 16.259 17.173 18.082 18.987

7.394 7.880 8.366 8.850 9.334

113.427 128.125 143.668 160.037 177.237

16 17 18 19 20

21 22 23 24 25

1.110 1.116 1.122 1.127 1.133

.9006 .8961 .8916 .8872 .8828

.0453 .0431 .0411 .0393 .0377

.0503 .0481 .0461 .0443 .0427

22.084 23.194 24.310 25.432 26.559

19.888 20.784 21.676 22.563 23.446

9.817 10.300 10.781 11.261 11.741

195.245 214.070 233.680 254.088 275.273

21 22 23 24 25

26 27 28 29 30

1.138 1.144 1.150 1.156 1.161

.8784 .8740 .8697 .8653 .8610

.0361 .0347 .0334 .0321 .0310

.0411 .0397 .0384 .0371 .0360

27.692 28.830 29.975 31.124 32.280

24.324 25.198 26.068 26.933 27.794

12.220 12.698 13.175 13.651 14.127

297.233 319.955 343.439 367.672 392.640

26 27 28 29 30

36 40 48 50 52

1.197 1.221 1.270 1.283 1.296

.8356 .8191 .7871 .7793 .7716

.0254 .0226 .0185 .0177 .0169

.0304 .0276 .0235 .0227 .0219

39.336 44.159 54.098 56.645 59.218

32.871 36.172 42.580 44.143 45.690

16.962 18.836 22.544 23.463 24.378

557.564 681.341 959.928 1 035.70 1 113.82

36 40 48 50 52

60 70 72 80 84

1.349 1.418 1.432 1.490 1.520

.7414 .7053 .6983 .6710 .6577

.0143 .0120 .0116 .0102 .00961

.0193 .0170 .0166 .0152 .0146

69.770 83.566 86.409 98.068 104.074

51.726 58.939 60.340 65.802 68.453

28.007 32.468 33.351 36.848 38.576

1 448.65 1 913.65 2 012.35 2 424.65 2 640.67

60 70 72 80 84

90 96 100 104 120

1.567 1.614 1.647 1.680 1.819

.6383 .6195 .6073 .5953 .5496

.00883 .00814 .00773 .00735 .00610

.0138 .0131 .0127 .0124 .0111

113.311 122.829 129.334 135.970 163.880

72.331 76.095 78.543 80.942 90.074

41.145 43.685 45.361 47.025 53.551

2 976.08 3 324.19 3 562.80 3 806.29 4 823.52

90 96 100 104 120

240 360 480

3.310 6.023 10.957

.3021 .1660 .0913

.00216 .00100 .00050

.00716 .00600 .00550

462.041 1 004.5 1 991.5

139.581 166.792 181.748

96.113 128.324 151.795

13 415.56 21 403.32 27 588.37

240 360 480

n

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

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i APPENDIX C: COMPOUND INTEREST TABLES 3/4%

3/4%

Compound Interest Factors Single Payment

Uniform Payment Series Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.008 1.015 1.023 1.030 1.038

.9926 .9852 .9778 .9706 .9633

1.0000 .4981 .3308 .2472 .1970

1.0075 .5056 .3383 .2547 .2045

1.000 2.008 3.023 4.045 5.076

0.993 1.978 2.956 3.926 4.889

0 0.499 0.996 1.492 1.986

0 0.987 2.943 5.857 9.712

1 2 3 4 5

6 7 8 9 10

1.046 1.054 1.062 1.070 1.078

.9562 .9490 .9420 .9350 .9280

.1636 .1397 .1218 .1078 .0967

.1711 .1472 .1293 .1153 .1042

6.114 7.160 8.213 9.275 10.344

5.846 6.795 7.737 8.672 9.600

2.479 2.971 3.462 3.951 4.440

14.494 20.187 26.785 34.265 42.619

6 7 8 9 10

11 12 13 14 15

1.086 1.094 1.102 1.110 1.119

.9211 .9142 .9074 .9007 .8940

.0876 .0800 .0735 .0680 .0632

.0951 .0875 .0810 .0755 .0707

11.422 12.508 13.602 14.704 15.814

10.521 11.435 12.342 13.243 14.137

4.927 5.412 5.897 6.380 6.862

51.831 61.889 72.779 84.491 97.005

11 12 13 14 15

16 17 18 19 20

1.127 1.135 1.144 1.153 1.161

.8873 .8807 .8742 .8676 .8612

.0591 .0554 .0521 .0492 .0465

.0666 .0629 .0596 .0567 .0540

16.932 18.059 19.195 20.339 21.491

15.024 15.905 16.779 17.647 18.508

7.343 7.822 8.300 8.777 9.253

110.318 124.410 139.273 154.891 171.254

16 17 18 19 20

21 22 23 24 25

1.170 1.179 1.188 1.196 1.205

.8548 .8484 .8421 .8358 .8296

.0441 .0420 .0400 .0382 .0365

.0516 .0495 .0475 .0457 .0440

22.653 23.823 25.001 26.189 27.385

19.363 20.211 21.053 21.889 22.719

9.727 10.201 10.673 11.143 11.613

188.352 206.170 224.695 243.924 263.834

21 22 23 24 25

26 27 28 29 30

1.214 1.224 1.233 1.242 1.251

.8234 .8173 .8112 .8052 .7992

.0350 .0336 .0322 .0310 .0298

.0425 .0411 .0397 .0385 .0373

28.591 29.805 31.029 32.261 33.503

23.542 24.360 25.171 25.976 26.775

12.081 12.548 13.014 13.479 13.942

284.421 305.672 327.576 350.122 373.302

26 27 28 29 30

36 40 48 50 52

1.309 1.348 1.431 1.453 1.475

.7641 .7416 .6986 .6882 .6780

.0243 .0215 .0174 .0166 .0158

.0318 .0290 .0249 .0241 .0233

41.153 46.447 57.521 60.395 63.312

31.447 34.447 40.185 41.567 42.928

16.696 18.507 22.070 22.949 23.822

525.038 637.519 886.899 953.911 1 022.64

36 40 48 50 52

60 70 72 80 84

1.566 1.687 1.713 1.818 1.873

.6387 .5927 .5839 .5500 .5338

.0133 .0109 .0105 .00917 .00859

.0208 .0184 .0180 .0167 .0161

75.425 91.621 95.008 109.074 116.428

48.174 54.305 55.477 59.995 62.154

27.268 31.465 32.289 35.540 37.137

1 313.59 1 708.68 1 791.33 2 132.23 2 308.22

60 70 72 80 84

90 96 100 104 120

1.959 2.049 2.111 2.175 2.451

.5104 .4881 .4737 .4597 .4079

.00782 .00715 .00675 .00638 .00517

.0153 .0147 .0143 .0139 .0127

127.881 139.858 148.147 156.687 193.517

65.275 68.259 70.175 72.035 78.942

39.496 41.812 43.332 44.834 50.653

2 578.09 2 854.04 3 040.85 3 229.60 3 998.68

90 96 100 104 120

240 360 480

6.009 14.731 36.111

.1664 .0679 .0277

.00150 .00055 .00021

.00900 .00805 .00771

667.901 1 830.8 4 681.5

111.145 124.282 129.641

85.422 107.115 119.662

9 494.26 13 312.50 15 513.16

240 360 480

n

Sinking Fund Factor Find A Given F A/F

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Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

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i 598 APPENDIX C: COMPOUND INTEREST TABLES 1%

Compound Interest Factors Single Payment

1%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.010 1.020 1.030 1.041 1.051

.9901 .9803 .9706 .9610 .9515

1.0000 .4975 .3300 .2463 .1960

1.0100 .5075 .3400 .2563 .2060

1.000 2.010 3.030 4.060 5.101

0.990 1.970 2.941 3.902 4.853

0 0.498 0.993 1.488 1.980

0 0.980 2.921 5.804 9.610

1 2 3 4 5

6 7 8 9 10

1.062 1.072 1.083 1.094 1.105

.9420 .9327 .9235 .9143 .9053

.1625 .1386 .1207 .1067 .0956

.1725 .1486 .1307 .1167 .1056

6.152 7.214 8.286 9.369 10.462

5.795 6.728 7.652 8.566 9.471

2.471 2.960 3.448 3.934 4.418

14.320 19.917 26.381 33.695 41.843

6 7 8 9 10

11 12 13 14 15

1.116 1.127 1.138 1.149 1.161

.8963 .8874 .8787 .8700 .8613

.0865 .0788 .0724 .0669 .0621

.0965 .0888 .0824 .0769 .0721

11.567 12.682 13.809 14.947 16.097

10.368 11.255 12.134 13.004 13.865

4.900 5.381 5.861 6.338 6.814

50.806 60.568 71.112 82.422 94.481

11 12 13 14 15

16 17 18 19 20

1.173 1.184 1.196 1.208 1.220

.8528 .8444 .8360 .8277 .8195

.0579 .0543 .0510 .0481 .0454

.0679 .0643 .0610 .0581 .0554

17.258 18.430 19.615 20.811 22.019

14.718 15.562 16.398 17.226 18.046

7.289 7.761 8.232 8.702 9.169

107.273 120.783 134.995 149.895 165.465

16 17 18 19 20

21 22 23 24 25

1.232 1.245 1.257 1.270 1.282

.8114 .8034 .7954 .7876 .7798

.0430 .0409 .0389 .0371 .0354

.0530 .0509 .0489 .0471 .0454

23.239 24.472 25.716 26.973 28.243

18.857 19.660 20.456 21.243 22.023

9.635 10.100 10.563 11.024 11.483

181.694 198.565 216.065 234.179 252.892

21 22 23 24 25

26 27 28 29 30

1.295 1.308 1.321 1.335 1.348

.7720 .7644 .7568 .7493 .7419

.0339 .0324 .0311 .0299 .0287

.0439 .0424 .0411 .0399 .0387

29.526 30.821 32.129 33.450 34.785

22.795 23.560 24.316 25.066 25.808

11.941 12.397 12.852 13.304 13.756

272.195 292.069 312.504 333.486 355.001

26 27 28 29 30

36 40 48 50 52

1.431 1.489 1.612 1.645 1.678

.6989 .6717 .6203 .6080 .5961

.0232 .0205 .0163 .0155 .0148

.0332 .0305 .0263 .0255 .0248

43.077 48.886 61.223 64.463 67.769

30.107 32.835 37.974 39.196 40.394

16.428 18.178 21.598 22.436 23.269

494.620 596.854 820.144 879.417 939.916

36 40 48 50 52

60 70 72 80 84

1.817 2.007 2.047 2.217 2.307

.5504 .4983 .4885 .4511 .4335

.0122 .00993 .00955 .00822 .00765

.0222 .0199 .0196 .0182 .0177

81.670 100.676 104.710 121.671 130.672

44.955 50.168 51.150 54.888 56.648

26.533 30.470 31.239 34.249 35.717

1 192.80 1 528.64 1 597.86 1 879.87 2 023.31

60 70 72 80 84

90 96 100 104 120

2.449 2.599 2.705 2.815 3.300

.4084 .3847 .3697 .3553 .3030

.00690 .00625 .00587 .00551 .00435

.0169 .0163 .0159 .0155 .0143

144.863 159.927 170.481 181.464 230.039

59.161 61.528 63.029 64.471 69.701

37.872 39.973 41.343 42.688 47.835

2 240.56 2 459.42 2 605.77 2 752.17 3 334.11

90 96 100 104 120

240 360 480

10.893 35.950 118.648

.0918 .0278 .00843

.00101 .00029 .00008

.0110 .0103 .0101

989.254 3 495.0 11 764.8

90.819 97.218 99.157

75.739 89.699 95.920

6 878.59 8 720.43 9 511.15

240 360 480

n

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

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11/4%

Compound Interest Factors Single Payment

Uniform Payment Series Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.013 1.025 1.038 1.051 1.064

.9877 .9755 .9634 .9515 .9398

1.0000 .4969 .3292 .2454 .1951

1.0125 .5094 .3417 .2579 .2076

1.000 2.013 3.038 4.076 5.127

0.988 1.963 2.927 3.878 4.818

0 0.497 0.992 1.485 1.976

0 0.976 2.904 5.759 9.518

1 2 3 4 5

6 7 8 9 10

1.077 1.091 1.104 1.118 1.132

.9282 .9167 .9054 .8942 .8832

.1615 .1376 .1196 .1057 .0945

.1740 .1501 .1321 .1182 .1070

6.191 7.268 8.359 9.463 10.582

5.746 6.663 7.568 8.462 9.346

2.464 2.951 3.435 3.918 4.398

14.160 19.660 25.998 33.152 41.101

6 7 8 9 10

11 12 13 14 15

1.146 1.161 1.175 1.190 1.205

.8723 .8615 .8509 .8404 .8300

.0854 .0778 .0713 .0658 .0610

.0979 .0903 .0838 .0783 .0735

11.714 12.860 14.021 15.196 16.386

10.218 11.079 11.930 12.771 13.601

4.876 5.352 5.827 6.299 6.769

49.825 59.302 69.513 80.438 92.058

11 12 13 14 15

16 17 18 19 20

1.220 1.235 1.251 1.266 1.282

.8197 .8096 .7996 .7898 .7800

.0568 .0532 .0499 .0470 .0443

.0693 .0657 .0624 .0595 .0568

17.591 18.811 20.046 21.297 22.563

14.420 15.230 16.030 16.849 17.599

7.237 7.702 8.166 8.628 9.088

104.355 117.309 130.903 145.119 159.940

16 17 18 19 20

21 22 23 24 25

1.298 1.314 1.331 1.347 1.364

.7704 .7609 .7515 .7422 .7330

.0419 .0398 .0378 .0360 .0343

.0544 .0523 .0503 .0485 .0468

23.845 25.143 26.458 27.788 29.136

18.370 19.131 19.882 20.624 21.357

9.545 10.001 10.455 10.906 11.355

175.348 191.327 207.859 224.930 242.523

21 22 23 24 25

26 27 28 29 30

1.381 1.399 1.416 1.434 1.452

.7240 .7150 .7062 .6975 .6889

.0328 .0314 .0300 .0288 .0277

.0453 .0439 .0425 .0413 .0402

30.500 31.881 32.280 34.696 36.129

22.081 22.796 23.503 24.200 24.889

11.803 12.248 12.691 13.133 13.572

260.623 279.215 298.284 317.814 337.792

26 27 28 29 30

36 40 48 50 52

1.564 1.644 1.845 1.861 1.908

.6394 .6084 .5509 .5373 .5242

.0222 .0194 .0153 .0145 .0138

.0347 .0319 .0278 .0270 .0263

45.116 51.490 65.229 68.882 72.628

28.847 31.327 35.932 37.013 38.068

16.164 17.852 21.130 21.930 22.722

466.297 559.247 759.248 811.692 864.960

36 40 48 50 52

60 70 72 80 84

2.107 2.386 2.446 2.701 2.839

.4746 .4191 .4088 .3702 .3522

.0113 .00902 .00864 .00735 .00680

.0238 .0215 .0211 .0198 .0193

88.575 110.873 115.675 136.120 147.130

42.035 46.470 47.293 50.387 51.822

25.809 29.492 30.205 32.983 34.326

1 084.86 1 370.47 1 428.48 1 661.89 1 778.86

60 70 72 80 84

90 96 100 104 120

3.059 3.296 3.463 3.640 4.440

.3269 .3034 .2887 .2747 .2252

.00607 .00545 .00507 .00474 .00363

.0186 .0179 .0176 .0172 .0161

164.706 183.643 197.074 211.190 275.220

53.846 55.725 56.901 58.021 61.983

36.286 38.180 39.406 40.604 45.119

1 953.85 2 127.55 2 242.26 2 355.90 2 796.59

90 96 100 104 120

240 360 480

19.716 87.543 388.713

.0507 .0114 .00257

.00067 .00014 .00003

.0132 .0126 .0125

75.942 79.086 79.794

67.177 75.840 78.762

5 101.55 5 997.91 6 284.74

240 360 480

n

Sinking Fund Factor Find A Given F A/F

599

1 497.3 6 923.4 31 017.1

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i

i 600 APPENDIX C: COMPOUND INTEREST TABLES 11/2 %

11/2 %

Compound Interest Factors Single Payment

Uniform Payment Series

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.015 1.030 1.046 1.061 1.077

.9852 .9707 .9563 .9422 .9283

1.0000 .4963 .3284 .2444 .1941

1.0150 .5113 .3434 .2594 .2091

1.000 2.015 3.045 4.091 5.152

0.985 1.956 2.912 3.854 4.783

0 0.496 0.990 1.481 1.970

0 0.970 2.883 5.709 9.422

1 2 3 4 5

6 7 8 9 10

1.093 1.110 1.126 1.143 1.161

.9145 .9010 .8877 .8746 .8617

.1605 .1366 .1186 .1046 .0934

.1755 .1516 .1336 .1196 .1084

6.230 7.323 8.433 9.559 10.703

5.697 6.598 7.486 8.360 9.222

2.456 2.940 3.422 3.901 4.377

13.994 19.400 25.614 32.610 40.365

6 7 8 9 10

11 12 13 14 15

1.178 1.196 1.214 1.232 1.250

.8489 .8364 .8240 .8118 .7999

.0843 .0767 .0702 .0647 .0599

.0993 .0917 .0852 .0797 .0749

11.863 13.041 14.237 15.450 16.682

10.071 10.907 11.731 12.543 13.343

4.851 5.322 5.791 6.258 6.722

48.855 58.054 67.943 78.496 89.694

11 12 13 14 15

16 17 18 19 20

1.269 1.288 1.307 1.327 1.347

.7880 .7764 .7649 .7536 .7425

.0558 .0521 .0488 .0459 .0432

.0708 .0671 .0638 .0609 .0582

17.932 19.201 20.489 21.797 23.124

14.131 14.908 15.673 16.426 17.169

7.184 7.643 8.100 8.554 9.005

101.514 113.937 126.940 140.505 154.611

16 17 18 19 20

21 22 23 24 25

1.367 1.388 1.408 1.430 1.451

.7315 .7207 .7100 .6995 .6892

.0409 .0387 .0367 .0349 .0333

.0559 .0537 .0517 .0499 .0483

24.470 25.837 27.225 28.633 30.063

17.900 18.621 19.331 20.030 20.720

9.455 9.902 10.346 10.788 11.227

169.241 184.375 199.996 216.085 232.626

21 22 23 24 25

26 27 28 29 30

1.473 1.495 1.517 1.540 1.563

.6790 .6690 .6591 .6494 .6398

.0317 .0303 .0290 .0278 .0266

.0467 .0453 .0440 .0428 .0416

31.514 32.987 34.481 35.999 37.539

21.399 22.068 22.727 23.376 24.016

11.664 12.099 12.531 12.961 13.388

249.601 266.995 284.790 302.972 321.525

26 27 28 29 30

36 40 48 50 52

1.709 1.814 2.043 2.105 2.169

.5851 .5513 .4894 .4750 .4611

.0212 .0184 .0144 .0136 .0128

.0362 .0334 .0294 .0286 .0278

47.276 54.268 69.565 73.682 77.925

27.661 29.916 34.042 35.000 35.929

15.901 17.528 20.666 21.428 22.179

439.823 524.349 703.537 749.955 796.868

36 40 48 50 52

60 70 72 80 84

2.443 2.835 2.921 3.291 3.493

.4093 .3527 .3423 .3039 .2863

.0104 .00817 .00781 .00655 .00602

.0254 .0232 .0228 .0215 .0210

96.214 122.363 128.076 152.710 166.172

39.380 43.155 43.845 46.407 47.579

25.093 28.529 29.189 31.742 32.967

988.157 1 231.15 1 279.78 1 473.06 1 568.50

60 70 72 80 84

90 96 100 104 120

3.819 4.176 4.432 4.704 5.969

.2619 .2395 .2256 .2126 .1675

.00532 .00472 .00437 .00405 .00302

.0203 .0197 .0194 .0190 .0180

187.929 211.719 228.802 246.932 331.286

49.210 50.702 51.625 52.494 55.498

34.740 36.438 37.529 38.589 42.518

1 709.53 1 847.46 1 937.43 2 025.69 2 359.69

90 96 100 104 120

240 360 480

35.632 212.700 1 269.7

.0281 .00470 .00079

.00043 .00007 .00001

.0154 .0151 .0150

64.796 66.353 66.614

59.737 64.966 66.288

3 870.68 4 310.71 4 415.74

240 360 480

n

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

2 308.8 14 113.3 84 577.8

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i APPENDIX C: COMPOUND INTEREST TABLES 13/4%

13/4%

Compound Interest Factors Single Payment

Uniform Payment Series Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.018 1.035 1.053 1.072 1.091

.9828 .9659 .9493 .9330 .9169

1.0000 .4957 .3276 .2435 .1931

1.0175 .5132 .3451 .2610 .2106

1.000 2.018 3.053 4.106 5.178

0.983 1.949 2.898 3.831 4.748

0 0.496 0.989 1.478 1.965

0 0.966 2.865 5.664 9.332

1 2 3 4 5

6 7 8 9 10

1.110 1.129 1.149 1.169 1.189

.9011 .8856 .8704 .8554 .8407

.1595 .1355 .1175 .1036 .0924

.1770 .1530 .1350 .1211 .1099

6.269 7.378 8.508 9.656 10.825

5.649 6.535 7.405 8.261 9.101

2.450 2.931 3.409 3.885 4.357

13.837 19.152 25.245 32.088 39.655

6 7 8 9 10

11 12 13 14 15

1.210 1.231 1.253 1.275 1.297

.8263 .8121 .7981 .7844 .7709

.0832 .0756 .0692 .0637 .0589

.1007 .0931 .0867 .0812 .0764

12.015 13.225 14.457 15.710 16.985

9.928 10.740 11.538 12.322 13.093

4.827 5.294 5.758 6.219 6.677

47.918 56.851 66.428 76.625 87.417

11 12 13 14 15

16 17 18 19 20

1.320 1.343 1.367 1.390 1.415

.7576 .7446 .7318 .7192 .7068

.0547 .0510 .0477 .0448 .0422

.0722 .0685 .0652 .0623 .0597

18.282 19.602 20.945 22.311 23.702

13.851 14.595 15.327 16.046 16.753

7.132 7.584 8.034 8.481 8.924

98.782 110.695 123.136 136.081 149.511

16 17 18 19 20

21 22 23 24 25

1.440 1.465 1.490 1.516 1.543

.6947 .6827 .6710 .6594 .6481

.0398 .0377 .0357 .0339 .0322

.0573 .0552 .0532 .0514 .0497

25.116 26.556 28.021 29.511 31.028

17.448 18.130 18.801 19.461 20.109

9.365 9.804 10.239 10.671 11.101

163.405 177.742 192.503 207.671 223.225

21 22 23 24 25

26 27 28 29 30

1.570 1.597 1.625 1.654 1.683

.6369 .6260 .6152 .6046 .5942

.0307 .0293 .0280 .0268 .0256

.0482 .0468 .0455 .0443 .0431

32.571 34.141 35.738 37.363 39.017

20.746 21.372 21.987 22.592 23.186

11.528 11.952 12.373 12.791 13.206

239.149 255.425 272.036 288.967 306.200

26 27 28 29 30

36 40 48 50 52

1.867 2.002 2.300 2.381 2.465

.5355 .4996 .4349 .4200 .4057

.0202 .0175 .0135 .0127 .0119

.0377 .0350 .0310 .0302 .0294

49.566 57.234 74.263 78.903 83.706

26.543 28.594 32.294 33.141 33.960

15.640 17.207 20.209 20.932 21.644

415.130 492.017 652.612 693.708 735.039

36 40 48 50 52

60 70 72 80 84

2.832 3.368 3.487 4.006 4.294

.3531 .2969 .2868 .2496 .2329

.00955 .00739 .00704 .00582 .00531

.0271 .0249 .0245 .0233 .0228

104.676 135.331 142.127 171.795 188.246

36.964 40.178 40.757 42.880 43.836

24.389 27.586 28.195 30.533 31.644

901.503 1 108.34 1 149.12 1 309.25 1 387.16

60 70 72 80 84

90 96 100 104 120

4.765 5.288 5.668 6.075 8.019

.2098 .1891 .1764 .1646 .1247

.00465 .00408 .00375 .00345 .00249

.0221 .0216 .0212 .0209 .0200

215.166 245.039 266.753 290.028 401.099

45.152 46.337 47.062 47.737 50.017

33.241 34.756 35.721 36.652 40.047

1 500.88 1 610.48 1 681.09 1 749.68 2 003.03

90 96 100 104 120

240 360 480

64.308 515.702 4 135.5

.0156 .00194 .00024

.00028 .00003

.0178 .0175 .0175

56.254 57.032 57.129

53.352 56.443 57.027

3 001.27 3 219.08 3 257.88

240 360 480

n

Sinking Fund Factor Find A Given F A/F

601

3 617.6 29 411.5 236 259.0

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i 602 APPENDIX C: COMPOUND INTEREST TABLES 2%

Compound Interest Factors Single Payment

2%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.020 1.040 1.061 1.082 1.104

.9804 .9612 .9423 .9238 .9057

1.0000 .4951 .3268 .2426 .1922

1.0200 .5151 .3468 .2626 .2122

1.000 2.020 3.060 4.122 5.204

0.980 1.942 2.884 3.808 4.713

0 0.495 0.987 1.475 1.960

0 0.961 2.846 5.617 9.240

1 2 3 4 5

6 7 8 9 10

1.126 1.149 1.172 1.195 1.219

.8880 .8706 .8535 .8368 .8203

.1585 .1345 .1165 .1025 .0913

.1785 .1545 .1365 .1225 .1113

6.308 7.434 8.583 9.755 10.950

5.601 6.472 7.325 8.162 8.983

2.442 2.921 3.396 3.868 4.337

13.679 18.903 24.877 31.571 38.954

6 7 8 9 10

11 12 13 14 15

1.243 1.268 1.294 1.319 1.346

.8043 .7885 .7730 .7579 .7430

.0822 .0746 .0681 .0626 .0578

.1022 .0946 .0881 .0826 .0778

12.169 13.412 14.680 15.974 17.293

9.787 10.575 11.348 12.106 12.849

4.802 5.264 5.723 6.178 6.631

46.996 55.669 64.946 74.798 85.200

11 12 13 14 15

16 17 18 19 20

1.373 1.400 1.428 1.457 1.486

.7284 .7142 .7002 .6864 .6730

.0537 .0500 .0467 .0438 .0412

.0737 .0700 .0667 .0638 .0612

18.639 20.012 21.412 22.840 24.297

13.578 14.292 14.992 15.678 16.351

7.080 7.526 7.968 8.407 8.843

96.127 107.553 119.456 131.812 144.598

16 17 18 19 20

21 22 23 24 25

1.516 1.546 1.577 1.608 1.641

.6598 .6468 .6342 .6217 .6095

.0388 .0366 .0347 .0329 .0312

.0588 .0566 .0547 .0529 .0512

25.783 27.299 28.845 30.422 32.030

17.011 17.658 18.292 18.914 19.523

9.276 9.705 10.132 10.555 10.974

157.793 171.377 185.328 199.628 214.256

21 22 23 24 25

26 27 28 29 30

1.673 1.707 1.741 1.776 1.811

.5976 .5859 .5744 .5631 .5521

.0297 .0283 .0270 .0258 .0247

.0497 .0483 .0470 .0458 .0447

33.671 35.344 37.051 38.792 40.568

20.121 20.707 21.281 21.844 22.396

11.391 11.804 12.214 12.621 13.025

229.196 244.428 259.936 275.703 291.713

26 27 28 29 30

36 40 48 50 52

2.040 2.208 2.587 2.692 2.800

.4902 .4529 .3865 .3715 .3571

.0192 .0166 .0126 .0118 .0111

.0392 .0366 .0326 .0318 .0311

51.994 60.402 79.353 84.579 90.016

25.489 27.355 30.673 31.424 32.145

15.381 16.888 19.755 20.442 21.116

392.036 461.989 605.961 642.355 678.779

36 40 48 50 52

60 70 72 80 84

3.281 4.000 4.161 4.875 5.277

.3048 .2500 .2403 .2051 .1895

.00877 .00667 .00633 .00516 .00468

.0288 .0267 .0263 .0252 .0247

114.051 149.977 158.056 193.771 213.865

34.761 37.499 37.984 39.744 40.525

23.696 26.663 27.223 29.357 30.361

823.692 999.829 1 034.050 1 166.781 1 230.413

60 70 72 80 84

90 96 100 104 120

5.943 6.693 7.245 7.842 10.765

.1683 .1494 .1380 .1275 .0929

.00405 .00351 .00320 .00292 .00205

.0240 .0235 .0232 .0229 .0220

247.155 284.645 312.230 342.090 488.255

41.587 42.529 43.098 43.624 45.355

31.793 33.137 33.986 34.799 37.711

1 322.164 1 409.291 1 464.747 1 518.082 1 710.411

90 96 100 104 120

240 360 480

115.887 1 247.5 13 429.8

.00863 .00080 .00007

.00017 .00002

.0202 .0200 .0200

49.569 49.960 49.996

47.911 49.711 49.964

2 374.878 2 483.567 2 498.027

240 360 480

n

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

5 744.4 62 326.8 671 442.0

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i

i APPENDIX C: COMPOUND INTEREST TABLES 21/2 %

21/2 %

Compound Interest Factors Single Payment

Uniform Payment Series Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.025 1.051 1.077 1.104 1.131

.9756 .9518 .9286 .9060 .8839

1.0000 .4938 .3251 .2408 .1902

1.0250 .5188 .3501 .2658 .2152

1.000 2.025 3.076 4.153 5.256

0.976 1.927 2.856 3.762 4.646

0 0.494 0.984 1.469 1.951

0 0.952 2.809 5.527 9.062

1 2 3 4 5

6 7 8 9 10

1.160 1.189 1.218 1.249 1.280

.8623 .8413 .8207 .8007 .7812

.1566 .1325 .1145 .1005 .0893

.1816 .1575 .1395 .1255 .1143

6.388 7.547 8.736 9.955 11.203

5.508 6.349 7.170 7.971 8.752

2.428 2.901 3.370 3.835 4.296

13.374 18.421 24.166 30.572 37.603

6 7 8 9 10

11 12 13 14 15

1.312 1.345 1.379 1.413 1.448

.7621 .7436 .7254 .7077 .6905

.0801 .0725 .0660 .0605 .0558

.1051 .0975 .0910 .0855 .0808

12.483 13.796 15.140 16.519 17.932

9.514 10.258 10.983 11.691 12.381

4.753 5.206 5.655 6.100 6.540

45.224 53.403 62.108 71.309 80.975

11 12 13 14 15

16 17 18 19 20

1.485 1.522 1.560 1.599 1.639

.6736 .6572 .6412 .6255 .6103

.0516 .0479 .0447 .0418 .0391

.0766 .0729 .0697 .0668 .0641

19.380 20.865 22.386 23.946 25.545

13.055 13.712 14.353 14.979 15.589

6.977 7.409 7.838 8.262 8.682

91.080 101.595 112.495 123.754 135.349

16 17 18 19 20

21 22 23 24 25

1.680 1.722 1.765 1.809 1.854

.5954 .5809 .5667 .5529 .5394

.0368 .0346 .0327 .0309 .0293

.0618 .0596 .0577 .0559 .0543

27.183 28.863 30.584 32.349 34.158

16.185 16.765 17.332 17.885 18.424

9.099 9.511 9.919 10.324 10.724

147.257 159.455 171.922 184.638 197.584

21 22 23 24 25

26 27 28 29 30

1.900 1.948 1.996 2.046 2.098

.5262 .5134 .5009 .4887 .4767

.0278 .0264 .0251 .0239 .0228

.0528 .0514 .0501 .0489 .0478

36.012 37.912 39.860 41.856 43.903

18.951 19.464 19.965 20.454 20.930

11.120 11.513 11.901 12.286 12.667

210.740 224.088 237.612 251.294 265.120

26 27 28 29 30

31 32 33 34 35

2.150 2.204 2.259 2.315 2.373

.4651 .4538 .4427 .4319 .4214

.0217 .0208 .0199 .0190 .0182

.0467 .0458 .0449 .0440 .0432

46.000 48.150 50.354 52.613 54.928

21.395 24.849 22.292 22.724 23.145

13.044 13.417 13.786 14.151 14.512

279.073 293.140 307.306 321.559 335.886

31 32 33 34 35

40 45 50 55 60

2.685 3.038 3.437 3.889 4.400

.3724 .3292 .2909 .2572 .2273

.0148 .0123 .0103 .00865 .00735

.0398 .0373 .0353 .0337 .0324

67.402 81.516 97.484 115.551 135.991

25.103 26.833 28.362 29.714 30.909

16.262 17.918 19.484 20.961 22.352

408.221 480.806 552.607 622.827 690.865

40 45 50 55 60

65 70 75 80 85

4.978 5.632 6.372 7.210 8.157

.2009 .1776 .1569 .1387 .1226

.00628 .00540 .00465 .00403 .00349

.0313 .0304 .0297 .0290 .0285

159.118 185.284 214.888 248.382 286.278

31.965 32.898 33.723 34.452 35.096

23.660 24.888 26.039 27.117 28.123

756.280 818.763 878.114 934.217 987.026

65 70 75 80 85

90 95 100

9.229 10.442 11.814

.1084 .0958 .0846

.00304 .00265 .00231

.0280 .0276 .0273

329.154 377.663 432.548

35.666 36.169 36.614

29.063 29.938 30.752

n

Sinking Fund Factor Find A Given F A/F

603

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

1 036.54 1 082.83 1 125.97

n

90 95 100

i

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i 604 APPENDIX C: COMPOUND INTEREST TABLES 3%

Compound Interest Factors Single Payment

3%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.030 1.061 1.093 1.126 1.159

.9709 .9426 .9151 .8885 .8626

1.0000 .4926 .3235 .2390 .1884

1.0300 .5226 .3535 .2690 .2184

1.000 2.030 3.091 4.184 5.309

0.971 1.913 2.829 3.717 4.580

0 0.493 0.980 1.463 1.941

0 0.943 2.773 5.438 8.889

1 2 3 4 5

6 7 8 9 10

1.194 1.230 1.267 1.305 1.344

.8375 .8131 .7894 .7664 .7441

.1546 .1305 .1125 .0984 .0872

.1846 .1605 .1425 .1284 .1172

6.468 7.662 8.892 10.159 11.464

5.417 6.230 7.020 7.786 8.530

2.414 2.882 3.345 3.803 4.256

13.076 17.955 23.481 29.612 36.309

6 7 8 9 10

11 12 13 14 15

1.384 1.426 1.469 1.513 1.558

.7224 .7014 .6810 .6611 .6419

.0781 .0705 .0640 .0585 .0538

.1081 .1005 .0940 .0885 .0838

12.808 14.192 15.618 17.086 18.599

9.253 9.954 10.635 11.296 11.938

4.705 5.148 5.587 6.021 6.450

43.533 51.248 59.419 68.014 77.000

11 12 13 14 15

16 17 18 19 20

1.605 1.653 1.702 1.754 1.806

.6232 .6050 .5874 .5703 .5537

.0496 .0460 .0427 .0398 .0372

.0796 .0760 .0727 .0698 .0672

20.157 21.762 23.414 25.117 26.870

12.561 13.166 13.754 14.324 14.877

6.874 7.294 7.708 8.118 8.523

86.348 96.028 106.014 116.279 126.799

16 17 18 19 20

21 22 23 24 25

1.860 1.916 1.974 2.033 2.094

.5375 .5219 .5067 .4919 .4776

.0349 .0327 .0308 .0290 .0274

.0649 .0627 .0608 .0590 .0574

28.676 30.537 32.453 34.426 36.459

15.415 15.937 16.444 16.936 17.413

8.923 9.319 9.709 10.095 10.477

137.549 148.509 159.656 170.971 182.433

21 22 23 24 25

26 27 28 29 30

2.157 2.221 2.288 2.357 2.427

.4637 .4502 .4371 .4243 .4120

.0259 .0246 .0233 .0221 .0210

.0559 .0546 .0533 .0521 .0510

38.553 40.710 42.931 45.219 47.575

17.877 18.327 18.764 19.188 19.600

10.853 11.226 11.593 11.956 12.314

194.026 205.731 217.532 229.413 241.361

26 27 28 29 30

31 32 33 34 35

2.500 2.575 2.652 2.732 2.814

.4000 .3883 .3770 .3660 .3554

.0200 .0190 .0182 .0173 .0165

.0500 .0490 .0482 .0473 .0465

50.003 52.503 55.078 57.730 60.462

20.000 20.389 20.766 21.132 21.487

12.668 13.017 13.362 13.702 14.037

253.361 265.399 277.464 289.544 301.627

31 32 33 34 35

40 45 50 55 60

3.262 3.782 4.384 5.082 5.892

.3066 .2644 .2281 .1968 .1697

.0133 .0108 .00887 .00735 .00613

.0433 .0408 .0389 .0373 .0361

75.401 92.720 112.797 136.072 163.053

23.115 24.519 25.730 26.774 27.676

15.650 17.156 18.558 19.860 21.067

361.750 420.632 477.480 531.741 583.052

40 45 50 55 60

65 70 75 80 85

6.830 7.918 9.179 10.641 12.336

.1464 .1263 .1089 .0940 .0811

.00515 .00434 .00367 .00311 .00265

.0351 .0343 .0337 .0331 .0326

194.333 230.594 272.631 321.363 377.857

28.453 29.123 29.702 30.201 30.631

22.184 23.215 24.163 25.035 25.835

631.201 676.087 717.698 756.086 791.353

65 70 75 80 85

90 95 100

14.300 16.578 19.219

.0699 .0603 .0520

.00226 .00193 .00165

.0323 .0319 .0316

443.349 519.272 607.287

31.002 31.323 31.599

26.567 27.235 27.844

823.630 853.074 879.854

90 95 100

n

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i

i

i APPENDIX C: COMPOUND INTEREST TABLES 31/2 %

31/2 %

Compound Interest Factors Single Payment

Uniform Payment Series Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.035 1.071 1.109 1.148 1.188

.9662 .9335 .9019 .8714 .8420

1.0000 .4914 .3219 .2373 .1865

1.0350 .5264 .3569 .2723 .2215

1.000 2.035 3.106 4.215 5.362

0.966 1.900 2.802 3.673 4.515

0 0.491 0.977 1.457 1.931

0 0.933 2.737 5.352 8.719

1 2 3 4 5

6 7 8 9 10

1.229 1.272 1.317 1.363 1.411

.8135 .7860 .7594 .7337 .7089

.1527 .1285 .1105 .0964 .0852

.1877 .1635 .1455 .1314 .1202

6.550 7.779 9.052 10.368 11.731

5.329 6.115 6.874 7.608 8.317

2.400 2.862 3.320 3.771 4.217

12.787 17.503 22.819 28.688 35.069

6 7 8 9 10

11 12 13 14 15

1.460 1.511 1.564 1.619 1.675

.6849 .6618 .6394 .6178 .5969

.0761 .0685 .0621 .0566 .0518

.1111 .1035 .0971 .0916 .0868

13.142 14.602 16.113 17.677 19.296

9.002 9.663 10.303 10.921 11.517

4.657 5.091 5.520 5.943 6.361

41.918 49.198 56.871 64.902 73.258

11 12 13 14 15

16 17 18 19 20

1.734 1.795 1.857 1.922 1.990

.5767 .5572 .5384 .5202 .5026

.0477 .0440 .0408 .0379 .0354

.0827 .0790 .0758 .0729 .0704

20.971 22.705 24.500 26.357 28.280

12.094 12.651 13.190 13.710 14.212

6.773 7.179 7.580 7.975 8.365

81.909 90.824 99.976 109.339 118.888

16 17 18 19 20

21 22 23 24 25

2.059 2.132 2.206 2.283 2.363

.4856 .4692 .4533 .4380 .4231

.0330 .0309 .0290 .0273 .0257

.0680 .0659 .0640 .0623 .0607

30.269 32.329 34.460 36.666 38.950

14.698 15.167 15.620 16.058 16.482

8.749 9.128 9.502 9.870 10.233

128.599 138.451 148.423 158.496 168.652

21 22 23 24 25

26 27 28 29 30

2.446 2.532 2.620 2.712 2.807

.4088 .3950 .3817 .3687 .3563

.0242 .0229 .0216 .0204 .0194

.0592 .0579 .0566 .0554 .0544

41.313 43.759 46.291 48.911 51.623

16.890 17.285 17.667 18.036 18.392

10.590 10.942 11.289 11.631 11.967

178.873 189.143 199.448 209.773 220.105

26 27 28 29 30

31 32 33 34 35

2.905 3.007 3.112 3.221 3.334

.3442 .3326 .3213 .3105 .3000

.0184 .0174 .0166 .0158 .0150

.0534 .0524 .0516 .0508 .0500

54.429 57.334 60.341 63.453 66.674

18.736 19.069 19.390 19.701 20.001

12.299 12.625 12.946 13.262 13.573

230.432 240.742 251.025 261.271 271.470

31 32 33 34 35

40 45 50 55 60

3.959 4.702 5.585 6.633 7.878

.2526 .2127 .1791 .1508 .1269

.0118 .00945 .00763 .00621 .00509

.0468 .0445 .0426 .0412 .0401

84.550 105.781 130.998 160.946 196.516

21.355 22.495 23.456 24.264 24.945

15.055 16.417 17.666 18.808 19.848

321.490 369.307 414.369 456.352 495.104

40 45 50 55 60

65 70 75 80 85

9.357 11.113 13.199 15.676 18.618

.1069 .0900 .0758 .0638 .0537

.00419 .00346 .00287 .00238 .00199

.0392 .0385 .0379 .0374 .0370

238.762 288.937 348.529 419.305 503.365

25.518 26.000 26.407 26.749 27.037

20.793 21.650 22.423 23.120 23.747

530.598 562.895 592.121 618.438 642.036

65 70 75 80 85

90 95 100

22.112 26.262 31.191

.0452 .0381 .0321

.00166 .00139 .00116

.0367 .0364 .0362

603.202 721.778 862.608

27.279 27.483 27.655

24.308 24.811 25.259

663.118 681.890 698.554

90 95 100

n

Sinking Fund Factor Find A Given F A/F

605

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i 606 APPENDIX C: COMPOUND INTEREST TABLES 4%

Compound Interest Factors Single Payment

4%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.040 1.082 1.125 1.170 1.217

.9615 .9246 .8890 .8548 .8219

1.0000 .4902 .3203 .2355 .1846

1.0400 .5302 .3603 .2755 .2246

1.000 2.040 3.122 4.246 5.416

0.962 1.886 2.775 3.630 4.452

0 0.490 0.974 1.451 1.922

0 0.925 2.702 5.267 8.555

1 2 3 4 5

6 7 8 9 10

1.265 1.316 1.369 1.423 1.480

.7903 .7599 .7307 .7026 .6756

.1508 .1266 .1085 .0945 .0833

.1908 .1666 .1485 .1345 .1233

6.633 7.898 9.214 10.583 12.006

5.242 6.002 6.733 7.435 8.111

2.386 2.843 3.294 3.739 4.177

12.506 17.066 22.180 27.801 33.881

6 7 8 9 10

11 12 13 14 15

1.539 1.601 1.665 1.732 1.801

.6496 .6246 .6006 .5775 .5553

.0741 .0666 .0601 .0547 .0499

.1141 .1066 .1001 .0947 .0899

13.486 15.026 16.627 18.292 20.024

8.760 9.385 9.986 10.563 11.118

4.609 5.034 5.453 5.866 6.272

40.377 47.248 54.454 61.962 69.735

11 12 13 14 15

16 17 18 19 20

1.873 1.948 2.026 2.107 2.191

.5339 .5134 .4936 .4746 .4564

.0458 .0422 .0390 .0361 .0336

.0858 .0822 .0790 .0761 .0736

21.825 23.697 25.645 27.671 29.778

11.652 12.166 12.659 13.134 13.590

6.672 7.066 7.453 7.834 8.209

77.744 85.958 94.350 102.893 111.564

16 17 18 19 20

21 22 23 24 25

2.279 2.370 2.465 2.563 2.666

.4388 .4220 .4057 .3901 .3751

.0313 .0292 .0273 .0256 .0240

.0713 .0692 .0673 .0656 .0640

31.969 34.248 36.618 39.083 41.646

14.029 14.451 14.857 15.247 15.622

8.578 8.941 9.297 9.648 9.993

120.341 129.202 138.128 147.101 156.104

21 22 23 24 25

26 27 28 29 30

2.772 2.883 2.999 3.119 3.243

.3607 .3468 .3335 .3207 .3083

.0226 .0212 .0200 .0189 .0178

.0626 .0612 .0600 .0589 .0578

44.312 47.084 49.968 52.966 56.085

15.983 16.330 16.663 16.984 17.292

10.331 10.664 10.991 11.312 11.627

165.121 174.138 183.142 192.120 201.062

26 27 28 29 30

31 32 33 34 35

3.373 3.508 3.648 3.794 3.946

.2965 .2851 .2741 .2636 .2534

.0169 .0159 .0151 .0143 .0136

.0569 .0559 .0551 .0543 .0536

59.328 62.701 66.209 69.858 73.652

17.588 17.874 18.148 18.411 18.665

11.937 12.241 12.540 12.832 13.120

209.955 218.792 227.563 236.260 244.876

31 32 33 34 35

40 45 50 55 60

4.801 5.841 7.107 8.646 10.520

.2083 .1712 .1407 .1157 .0951

.0105 .00826 .00655 .00523 .00420

.0505 .0483 .0466 .0452 .0442

95.025 121.029 152.667 191.159 237.990

19.793 20.720 21.482 22.109 22.623

14.476 15.705 16.812 17.807 18.697

286.530 325.402 361.163 393.689 422.996

40 45 50 55 60

65 70 75 80 85

12.799 15.572 18.945 23.050 28.044

.0781 .0642 .0528 .0434 .0357

.00339 .00275 .00223 .00181 .00148

.0434 .0427 .0422 .0418 .0415

294.968 364.290 448.630 551.244 676.089

23.047 23.395 23.680 23.915 24.109

19.491 20.196 20.821 21.372 21.857

449.201 472.479 493.041 511.116 526.938

65 70 75 80 85

90 95 100

34.119 41.511 50.505

.0293 .0241 .0198

.00121 .00099 .00081

.0412 .0410 .0408

827.981 1 012.8 1 237.6

24.267 24.398 24.505

22.283 22.655 22.980

540.737 552.730 563.125

90 95 100

n

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i APPENDIX C: COMPOUND INTEREST TABLES 41/2 %

41/2 %

Compound Interest Factors Single Payment

Uniform Payment Series Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.045 1.092 1.141 1.193 1.246

.9569 .9157 .8763 .8386 .8025

1.0000 .4890 .3188 .2337 .1828

1.0450 .5340 .3638 .2787 .2278

1.000 2.045 3.137 4.278 5.471

0.957 1.873 2.749 3.588 4.390

0 0.489 0.971 1.445 1.912

0 0.916 2.668 5.184 8.394

1 2 3 4 5

6 7 8 9 10

1.302 1.361 1.422 1.486 1.553

.7679 .7348 .7032 .6729 .6439

.1489 .1247 .1066 .0926 .0814

.1939 .1697 .1516 .1376 .1264

6.717 8.019 9.380 10.802 12.288

5.158 5.893 6.596 7.269 7.913

2.372 2.824 3.269 3.707 4.138

12.233 16.642 21.564 26.948 32.743

6 7 8 9 10

11 12 13 14 15

1.623 1.696 1.772 1.852 1.935

.6162 .5897 .5643 .5400 .5167

.0722 .0647 .0583 .0528 .0481

.1172 .1097 .1033 .0978 .0931

13.841 15.464 17.160 18.932 20.784

8.529 9.119 9.683 10.223 10.740

4.562 4.978 5.387 5.789 6.184

38.905 45.391 52.163 59.182 66.416

11 12 13 14 15

16 17 18 19 20

2.022 2.113 2.208 2.308 2.412

.4945 .4732 .4528 .4333 .4146

.0440 .0404 .0372 .0344 .0319

.0890 .0854 .0822 .0794 .0769

22.719 24.742 26.855 29.064 31.371

11.234 11.707 12.160 12.593 13.008

6.572 6.953 7.327 7.695 8.055

73.833 81.404 89.102 96.901 104.779

16 17 18 19 20

21 22 23 24 25

2.520 2.634 2.752 2.876 3.005

.3968 .3797 .3634 .3477 .3327

.0296 .0275 .0257 .0240 .0224

.0746 .0725 .0707 .0690 .0674

33.783 36.303 38.937 41.689 44.565

13.405 13.784 14.148 14.495 14.828

8.409 8.755 9.096 9.429 9.756

112.715 120.689 128.682 136.680 144.665

21 22 23 24 25

26 27 28 29 30

3.141 3.282 3.430 3.584 3.745

.3184 .3047 .2916 .2790 .2670

.0210 .0197 .0185 .0174 .0164

.0660 .0647 .0635 .0624 .0614

47.571 50.711 53.993 57.423 61.007

15.147 15.451 15.743 16.022 16.289

10.077 10.391 10.698 10.999 11.295

152.625 160.547 168.420 176.232 183.975

26 27 28 29 30

31 32 33 34 35

3.914 4.090 4.274 4.466 4.667

.2555 .2445 .2340 .2239 .2143

.0154 .0146 .0137 .0130 .0123

.0604 .0596 .0587 .0580 .0573

64.752 68.666 72.756 77.030 81.497

16.544 16.789 17.023 17.247 17.461

11.583 11.866 12.143 12.414 12.679

191.640 199.220 206.707 214.095 221.380

31 32 33 34 35

40 45 50 55 60

5.816 7.248 9.033 11.256 14.027

.1719 .1380 .1107 .0888 .0713

.00934 .00720 .00560 .00439 .00345

.0543 .0522 .0506 .0494 .0485

107.030 138.850 178.503 227.918 289.497

18.402 19.156 19.762 20.248 20.638

13.917 15.020 15.998 16.860 17.617

256.098 287.732 316.145 341.375 363.571

40 45 50 55 60

65 70 75 80 85

17.481 21.784 27.147 33.830 42.158

.0572 .0459 .0368 .0296 .0237

.00273 .00217 .00172 .00137 .00109

.0477 .0472 .0467 .0464 .0461

366.237 461.869 581.043 729.556 914.630

20.951 21.202 21.404 21.565 21.695

18.278 18.854 19.354 19.785 20.157

382.946 399.750 414.242 426.680 437.309

65 70 75 80 85

90 95 100

52.537 65.471 81.588

.0190 .0153 .0123

.00087 .00070 .00056

.0459 .0457 .0456

21.799 21.883 21.950

20.476 20.749 20.981

446.359 454.039 460.537

90 95 100

n

Sinking Fund Factor Find A Given F A/F

607

1 145.3 1 432.7 1 790.9

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i 608 APPENDIX C: COMPOUND INTEREST TABLES 5%

Compound Interest Factors Single Payment

5%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.050 1.102 1.158 1.216 1.276

.9524 .9070 .8638 .8227 .7835

1.0000 .4878 .3172 .2320 .1810

1.0500 .5378 .3672 .2820 .2310

1.000 2.050 3.152 4.310 5.526

0.952 1.859 2.723 3.546 4.329

0 0.488 0.967 1.439 1.902

0 0.907 2.635 5.103 8.237

1 2 3 4 5

6 7 8 9 10

1.340 1.407 1.477 1.551 1.629

.7462 .7107 .6768 .6446 .6139

.1470 .1228 .1047 .0907 .0795

.1970 .1728 .1547 .1407 .1295

6.802 8.142 9.549 11.027 12.578

5.076 5.786 6.463 7.108 7.722

2.358 2.805 3.244 3.676 4.099

11.968 16.232 20.970 26.127 31.652

6 7 8 9 10

11 12 13 14 15

1.710 1.796 1.886 1.980 2.079

.5847 .5568 .5303 .5051 .4810

.0704 .0628 .0565 .0510 .0463

.1204 .1128 .1065 .1010 .0963

14.207 15.917 17.713 19.599 21.579

8.306 8.863 9.394 9.899 10.380

4.514 4.922 5.321 5.713 6.097

37.499 43.624 49.988 56.553 63.288

11 12 13 14 15

16 17 18 19 20

2.183 2.292 2.407 2.527 2.653

.4581 .4363 .4155 .3957 .3769

.0423 .0387 .0355 .0327 .0302

.0923 .0887 .0855 .0827 .0802

23.657 25.840 28.132 30.539 33.066

10.838 11.274 11.690 12.085 12.462

6.474 6.842 7.203 7.557 7.903

70.159 77.140 84.204 91.327 98.488

16 17 18 19 20

21 22 23 24 25

2.786 2.925 3.072 3.225 3.386

.3589 .3419 .3256 .3101 .2953

.0280 .0260 .0241 .0225 .0210

.0780 .0760 .0741 .0725 .0710

35.719 38.505 41.430 44.502 47.727

12.821 13.163 13.489 13.799 14.094

8.242 8.573 8.897 9.214 9.524

105.667 112.846 120.008 127.140 134.227

21 22 23 24 25

26 27 28 29 30

3.556 3.733 3.920 4.116 4.322

.2812 .2678 .2551 .2429 .2314

.0196 .0183 .0171 .0160 .0151

.0696 .0683 .0671 .0660 .0651

51.113 54.669 58.402 62.323 66.439

14.375 14.643 14.898 15.141 15.372

9.827 10.122 10.411 10.694 10.969

141.258 148.222 155.110 161.912 168.622

26 27 28 29 30

31 32 33 34 35

4.538 4.765 5.003 5.253 5.516

.2204 .2099 .1999 .1904 .1813

.0141 .0133 .0125 .0118 .0111

.0641 .0633 .0625 .0618 .0611

70.761 75.299 80.063 85.067 90.320

15.593 15.803 16.003 16.193 16.374

11.238 11.501 11.757 12.006 12.250

175.233 181.739 188.135 194.416 200.580

31 32 33 34 35

40 45 50 55 60

7.040 8.985 11.467 14.636 18.679

.1420 .1113 .0872 .0683 .0535

.00828 .00626 .00478 .00367 .00283

.0583 .0563 .0548 .0537 .0528

120.799 159.699 209.347 272.711 353.582

17.159 17.774 18.256 18.633 18.929

13.377 14.364 15.223 15.966 16.606

229.545 255.314 277.914 297.510 314.343

40 45 50 55 60

65 70 75 80 85

23.840 30.426 38.832 49.561 63.254

.0419 .0329 .0258 .0202 .0158

.00219 .00170 .00132 .00103 .00080

.0522 .0517 .0513 .0510 .0508

456.795 588.525 756.649 971.222 1 245.1

19.161 19.343 19.485 19.596 19.684

17.154 17.621 18.018 18.353 18.635

328.691 340.841 351.072 359.646 366.800

65 70 75 80 85

90 95 100

80.730 103.034 131.500

.0124 .00971 .00760

.00063 .00049 .00038

.0506 .0505 .0504

1 594.6 2 040.7 2 610.0

19.752 19.806 19.848

18.871 19.069 19.234

372.749 377.677 381.749

90 95 100

n

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i APPENDIX C: COMPOUND INTEREST TABLES 6%

Compound Interest Factors Single Payment

6%

Uniform Payment Series Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.060 1.124 1.191 1.262 1.338

.9434 .8900 .8396 .7921 .7473

1.0000 .4854 .3141 .2286 .1774

1.0600 .5454 .3741 .2886 .2374

1.000 2.060 3.184 4.375 5.637

0.943 1.833 2.673 3.465 4.212

0 0.485 0.961 1.427 1.884

0 0.890 2.569 4.945 7.934

1 2 3 4 5

6 7 8 9 10

1.419 1.504 1.594 1.689 1.791

.7050 .6651 .6274 .5919 .5584

.1434 .1191 .1010 .0870 .0759

.2034 .1791 .1610 .1470 .1359

6.975 8.394 9.897 11.491 13.181

4.917 5.582 6.210 6.802 7.360

2.330 2.768 3.195 3.613 4.022

11.459 15.450 19.841 24.577 29.602

6 7 8 9 10

11 12 13 14 15

1.898 2.012 2.133 2.261 2.397

.5268 .4970 .4688 .4423 .4173

.0668 .0593 .0530 .0476 .0430

.1268 .1193 .1130 .1076 .1030

14.972 16.870 18.882 21.015 23.276

7.887 8.384 8.853 9.295 9.712

4.421 4.811 5.192 5.564 5.926

34.870 40.337 45.963 51.713 57.554

11 12 13 14 15

16 17 18 19 20

2.540 2.693 2.854 3.026 3.207

.3936 .3714 .3503 .3305 .3118

.0390 .0354 .0324 .0296 .0272

.0990 .0954 .0924 .0896 .0872

25.672 28.213 30.906 33.760 36.786

10.106 10.477 10.828 11.158 11.470

6.279 6.624 6.960 7.287 7.605

63.459 69.401 75.357 81.306 87.230

16 17 18 19 20

21 22 23 24 25

3.400 3.604 3.820 4.049 4.292

.2942 .2775 .2618 .2470 .2330

.0250 .0230 .0213 .0197 .0182

.0850 .0830 .0813 .0797 .0782

39.993 43.392 46.996 50.815 54.864

11.764 12.042 12.303 12.550 12.783

7.915 8.217 8.510 8.795 9.072

93.113 98.941 104.700 110.381 115.973

21 22 23 24 25

26 27 28 29 30

4.549 4.822 5.112 5.418 5.743

.2198 .2074 .1956 .1846 .1741

.0169 .0157 .0146 .0136 .0126

.0769 .0757 .0746 .0736 .0726

59.156 63.706 68.528 73.640 79.058

13.003 13.211 13.406 13.591 13.765

9.341 9.603 9.857 10.103 10.342

121.468 126.860 132.142 137.309 142.359

26 27 28 29 30

31 32 33 34 35

6.088 6.453 6.841 7.251 7.686

.1643 .1550 .1462 .1379 .1301

.0118 .0110 .0103 .00960 .00897

.0718 .0710 .0703 .0696 .0690

84.801 90.890 97.343 104.184 111.435

13.929 14.084 14.230 14.368 14.498

10.574 10.799 11.017 11.228 11.432

147.286 152.090 156.768 161.319 165.743

31 32 33 34 35

40 45 50 55 60

10.286 13.765 18.420 24.650 32.988

.0972 .0727 .0543 .0406 .0303

.00646 .00470 .00344 .00254 .00188

.0665 .0647 .0634 .0625 .0619

154.762 212.743 290.335 394.171 533.126

15.046 15.456 15.762 15.991 16.161

12.359 13.141 13.796 14.341 14.791

185.957 203.109 217.457 229.322 239.043

40 45 50 55 60

65 70 75 80 85

44.145 59.076 79.057 105.796 141.578

.0227 .0169 .0126 .00945 .00706

.00139 .00103 .00077 .00057 .00043

.0614 .0610 .0608 .0606 .0604

719.080 967.928 1 300.9 1 746.6 2 343.0

16.289 16.385 16.456 16.509 16.549

15.160 15.461 15.706 15.903 16.062

246.945 253.327 258.453 262.549 265.810

65 70 75 80 85

90 95 100

189.464 253.545 339.300

.00528 .00394 .00295

.00032 .00024 .00018

.0603 .0602 .0602

3 141.1 4 209.1 5 638.3

16.579 16.601 16.618

16.189 16.290 16.371

268.395 270.437 272.047

90 95 100

n

Sinking Fund Factor Find A Given F A/F

609

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i 610 APPENDIX C: COMPOUND INTEREST TABLES 7%

Compound Interest Factors Single Payment

7%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.070 1.145 1.225 1.311 1.403

.9346 .8734 .8163 .7629 .7130

1.0000 .4831 .3111 .2252 .1739

1.0700 .5531 .3811 .2952 .2439

1.000 2.070 3.215 4.440 5.751

0.935 1.808 2.624 3.387 4.100

0 0.483 0.955 1.416 1.865

0 0.873 2.506 4.795 7.647

1 2 3 4 5

6 7 8 9 10

1.501 1.606 1.718 1.838 1.967

.6663 .6227 .5820 .5439 .5083

.1398 .1156 .0975 .0835 .0724

.2098 .1856 .1675 .1535 .1424

7.153 8.654 10.260 11.978 13.816

4.767 5.389 5.971 6.515 7.024

2.303 2.730 3.147 3.552 3.946

10.978 14.715 18.789 23.140 27.716

6 7 8 9 10

11 12 13 14 15

2.105 2.252 2.410 2.579 2.759

.4751 .4440 .4150 .3878 .3624

.0634 .0559 .0497 .0443 .0398

.1334 .1259 .1197 .1143 .1098

15.784 17.888 20.141 22.551 25.129

7.499 7.943 8.358 8.745 9.108

4.330 4.703 5.065 5.417 5.758

32.467 37.351 42.330 47.372 52.446

11 12 13 14 15

16 17 18 19 20

2.952 3.159 3.380 3.617 3.870

.3387 .3166 .2959 .2765 .2584

.0359 .0324 .0294 .0268 .0244

.1059 .1024 .0994 .0968 .0944

27.888 30.840 33.999 37.379 40.996

9.447 9.763 10.059 10.336 10.594

6.090 6.411 6.722 7.024 7.316

57.527 62.592 67.622 72.599 77.509

16 17 18 19 20

21 22 23 24 25

4.141 4.430 4.741 5.072 5.427

.2415 .2257 .2109 .1971 .1842

.0223 .0204 .0187 .0172 .0158

.0923 .0904 .0887 .0872 .0858

44.865 49.006 53.436 58.177 63.249

10.836 11.061 11.272 11.469 11.654

7.599 7.872 8.137 8.392 8.639

82.339 87.079 91.720 96.255 100.677

21 22 23 24 25

26 27 28 29 30

5.807 6.214 6.649 7.114 7.612

.1722 .1609 .1504 .1406 .1314

.0146 .0134 .0124 .0114 .0106

.0846 .0834 .0824 .0814 .0806

68.677 74.484 80.698 87.347 94.461

11.826 11.987 12.137 12.278 12.409

8.877 9.107 9.329 9.543 9.749

104.981 109.166 113.227 117.162 120.972

26 27 28 29 30

31 32 33 34 35

8.145 8.715 9.325 9.978 10.677

.1228 .1147 .1072 .1002 .0937

.00980 .00907 .00841 .00780 .00723

.0798 .0791 .0784 .0778 .0772

102.073 110.218 118.934 128.259 138.237

12.532 12.647 12.754 12.854 12.948

9.947 10.138 10.322 10.499 10.669

124.655 128.212 131.644 134.951 138.135

31 32 33 34 35

40 45 50 55 60

14.974 21.002 29.457 41.315 57.947

.0668 .0476 .0339 .0242 .0173

.00501 .00350 .00246 .00174 .00123

.0750 .0735 .0725 .0717 .0712

199.636 285.750 406.530 575.930 813.523

13.332 13.606 13.801 13.940 14.039

11.423 12.036 12.529 12.921 13.232

152.293 163.756 172.905 180.124 185.768

40 45 50 55 60

65 70 75 80 85

81.273 113.990 159.877 224.235 314.502

.0123 .00877 .00625 .00446 .00318

.00087 .00062 .00044 .00031 .00022

.0709 .0706 .0704 .0703 .0702

1 146.8 1 614.1 2 269.7 3 189.1 4 478.6

14.110 14.160 14.196 14.222 14.240

13.476 13.666 13.814 13.927 14.015

190.145 193.519 196.104 198.075 199.572

65 70 75 80 85

90 95 100

441.105 618.673 867.720

.00227 .00162 .00115

.00016 .00011 .00008

.0702 .0701 .0701

6 287.2 8 823.9 12 381.7

14.253 14.263 14.269

14.081 14.132 14.170

200.704 201.558 202.200

90 95 100

n

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i APPENDIX C: COMPOUND INTEREST TABLES 8%

Compound Interest Factors Single Payment

8%

Uniform Payment Series

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.080 1.166 1.260 1.360 1.469

.9259 .8573 .7938 .7350 .6806

1.0000 .4808 .3080 .2219 .1705

1.0800 .5608 .3880 .3019 .2505

1.000 2.080 3.246 4.506 5.867

0.926 1.783 2.577 3.312 3.993

0 0.481 0.949 1.404 1.846

0 0.857 2.445 4.650 7.372

1 2 3 4 5

6 7 8 9 10

1.587 1.714 1.851 1.999 2.159

.6302 .5835 .5403 .5002 .4632

.1363 .1121 .0940 .0801 .0690

.2163 .1921 .1740 .1601 .1490

7.336 8.923 10.637 12.488 14.487

4.623 5.206 5.747 6.247 6.710

2.276 2.694 3.099 3.491 3.871

10.523 14.024 17.806 21.808 25.977

6 7 8 9 10

11 12 13 14 15

2.332 2.518 2.720 2.937 3.172

.4289 .3971 .3677 .3405 .3152

.0601 .0527 .0465 .0413 .0368

.1401 .1327 .1265 .1213 .1168

16.645 18.977 21.495 24.215 27.152

7.139 7.536 7.904 8.244 8.559

4.240 4.596 4.940 5.273 5.594

30.266 34.634 39.046 43.472 47.886

11 12 13 14 15

16 17 18 19 20

3.426 3.700 3.996 4.316 4.661

.2919 .2703 .2502 .2317 .2145

.0330 .0296 .0267 .0241 .0219

.1130 .1096 .1067 .1041 .1019

30.324 33.750 37.450 41.446 45.762

8.851 9.122 9.372 9.604 9.818

5.905 6.204 6.492 6.770 7.037

52.264 56.588 60.843 65.013 69.090

16 17 18 19 20

21 22 23 24 25

5.034 5.437 5.871 6.341 6.848

.1987 .1839 .1703 .1577 .1460

.0198 .0180 .0164 .0150 .0137

.0998 .0980 .0964 .0950 .0937

50.423 55.457 60.893 66.765 73.106

10.017 10.201 10.371 10.529 10.675

7.294 7.541 7.779 8.007 8.225

73.063 76.926 80.673 84.300 87.804

21 22 23 24 25

26 27 28 29 30

7.396 7.988 8.627 9.317 10.063

.1352 .1252 .1159 .1073 .0994

.0125 .0114 .0105 .00962 .00883

.0925 .0914 .0905 .0896 .0888

79.954 87.351 95.339 103.966 113.283

10.810 10.935 11.051 11.158 11.258

8.435 8.636 8.829 9.013 9.190

91.184 94.439 97.569 100.574 103.456

26 27 28 29 30

31 32 33 34 35

10.868 11.737 12.676 13.690 14.785

.0920 .0852 .0789 .0730 .0676

.00811 .00745 .00685 .00630 .00580

.0881 .0875 .0869 .0863 .0858

123.346 134.214 145.951 158.627 172.317

11.350 11.435 11.514 11.587 11.655

9.358 9.520 9.674 9.821 9.961

106.216 108.858 111.382 113.792 116.092

31 32 33 34 35

40 45 50 55 60

21.725 31.920 46.902 68.914 101.257

.0460 .0313 .0213 .0145 .00988

.00386 .00259 .00174 .00118 .00080

.0839 .0826 .0817 .0812 .0808

259.057 386.506 573.771 848.925 1 253.2

11.925 12.108 12.233 12.319 12.377

10.570 11.045 11.411 11.690 11.902

126.042 133.733 139.593 144.006 147.300

40 45 50 55 60

65 70 75 80 85

148.780 218.607 321.205 471.956 693.458

.00672 .00457 .00311 .00212 .00144

.00054 .00037 .00025 .00017 .00012

.0805 .0804 .0802 .0802 .0801

1 847.3 2 720.1 4 002.6 5 887.0 8 655.7

12.416 12.443 12.461 12.474 12.482

12.060 12.178 12.266 12.330 12.377

149.739 151.533 152.845 153.800 154.492

65 70 75 80 85

.00098 .00067 .00045

.00008 .00005 .00004

.0801 .0801 .0800

12 724.0 18 701.6 27 484.6

12.488 12.492 12.494

12.412 12.437 12.455

154.993 155.352 155.611

90 95 100

90 95 100

1 018.9 1 497.1 2 199.8

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

n

Sinking Fund Factor Find A Given F A/F

611

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i 612 APPENDIX C: COMPOUND INTEREST TABLES 9%

Compound Interest Factors Single Payment

9%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.090 1.188 1.295 1.412 1.539

.9174 .8417 .7722 .7084 .6499

1.0000 .4785 .3051 .2187 .1671

1.0900 .5685 .3951 .3087 .2571

1.000 2.090 3.278 4.573 5.985

0.917 1.759 2.531 3.240 3.890

0 0.478 0.943 1.393 1.828

0 0.842 2.386 4.511 7.111

1 2 3 4 5

6 7 8 9 10

1.677 1.828 1.993 2.172 2.367

.5963 .5470 .5019 .4604 .4224

.1329 .1087 .0907 .0768 .0658

.2229 .1987 .1807 .1668 .1558

7.523 9.200 11.028 13.021 15.193

4.486 5.033 5.535 5.995 6.418

2.250 2.657 3.051 3.431 3.798

10.092 13.375 16.888 20.571 24.373

6 7 8 9 10

11 12 13 14 15

2.580 2.813 3.066 3.342 3.642

.3875 .3555 .3262 .2992 .2745

.0569 .0497 .0436 .0384 .0341

.1469 .1397 .1336 .1284 .1241

17.560 20.141 22.953 26.019 29.361

6.805 7.161 7.487 7.786 8.061

4.151 4.491 4.818 5.133 5.435

28.248 32.159 36.073 39.963 43.807

11 12 13 14 15

16 17 18 19 20

3.970 4.328 4.717 5.142 5.604

.2519 .2311 .2120 .1945 .1784

.0303 .0270 .0242 .0217 .0195

.1203 .1170 .1142 .1117 .1095

33.003 36.974 41.301 46.019 51.160

8.313 8.544 8.756 8.950 9.129

5.724 6.002 6.269 6.524 6.767

47.585 51.282 54.886 58.387 61.777

16 17 18 19 20

21 22 23 24 25

6.109 6.659 7.258 7.911 8.623

.1637 .1502 .1378 .1264 .1160

.0176 .0159 .0144 .0130 .0118

.1076 .1059 .1044 .1030 .1018

56.765 62.873 69.532 76.790 84.701

9.292 9.442 9.580 9.707 9.823

7.001 7.223 7.436 7.638 7.832

65.051 68.205 71.236 74.143 76.927

21 22 23 24 25

26 27 28 29 30

9.399 10.245 11.167 12.172 13.268

.1064 .0976 .0895 .0822 .0754

.0107 .00973 .00885 .00806 .00734

.1007 .0997 .0989 .0981 .0973

93.324 102.723 112.968 124.136 136.308

9.929 10.027 10.116 10.198 10.274

8.016 8.191 8.357 8.515 8.666

79.586 82.124 84.542 86.842 89.028

26 27 28 29 30

31 32 33 34 35

14.462 15.763 17.182 18.728 20.414

.0691 .0634 .0582 .0534 .0490

.00669 .00610 .00556 .00508 .00464

.0967 .0961 .0956 .0951 .0946

149.575 164.037 179.801 196.983 215.711

10.343 10.406 10.464 10.518 10.567

8.808 8.944 9.072 9.193 9.308

91.102 93.069 94.931 96.693 98.359

31 32 33 34 35

40 45 50 55 60

31.409 48.327 74.358 114.409 176.032

.0318 .0207 .0134 .00874 .00568

.00296 .00190 .00123 .00079 .00051

.0930 .0919 .0912 .0908 .0905

337.883 525.860 815.085 1 260.1 1 944.8

10.757 10.881 10.962 11.014 11.048

9.796 10.160 10.430 10.626 10.768

105.376 110.556 114.325 117.036 118.968

40 45 50 55 60

65 70 75 80 85

270.847 416.731 641.193 986.555 1 517.9

.00369 .00240 .00156 .00101 .00066

.00033 .00022 .00014 .00009 .00006

.0903 .0902 .0901 .0901 .0901

2 998.3 4 619.2 7 113.3 10 950.6 16 854.9

11.070 11.084 11.094 11.100 11.104

10.870 10.943 10.994 11.030 11.055

120.334 121.294 121.965 122.431 122.753

65 70 75 80 85

2 335.5 3 593.5 5 529.1

.00043 .00028 .00018

.00004 .00003 .00002

.0900 .0900 .0900

25 939.3 39 916.8 61 422.9

11.106 11.108 11.109

11.073 11.085 11.093

122.976 123.129 123.233

90 95 100

n

90 95 100

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i APPENDIX C: COMPOUND INTEREST TABLES 10%

Compound Interest Factors Single Payment

10%

Uniform Payment Series

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.100 1.210 1.331 1.464 1.611

.9091 .8264 .7513 .6830 .6209

1.0000 .4762 .3021 .2155 .1638

1.1000 .5762 .4021 .3155 .2638

1.000 2.100 3.310 4.641 6.105

0.909 1.736 2.487 3.170 3.791

0 0.476 0.937 1.381 1.810

0 0.826 2.329 4.378 6.862

1 2 3 4 5

6 7 8 9 10

1.772 1.949 2.144 2.358 2.594

.5645 .5132 .4665 .4241 .3855

.1296 .1054 .0874 .0736 .0627

.2296 .2054 .1874 .1736 .1627

7.716 9.487 11.436 13.579 15.937

4.355 4.868 5.335 5.759 6.145

2.224 2.622 3.004 3.372 3.725

9.684 12.763 16.029 19.421 22.891

6 7 8 9 10

11 12 13 14 15

2.853 3.138 3.452 3.797 4.177

.3505 .3186 .2897 .2633 .2394

.0540 .0468 .0408 .0357 .0315

.1540 .1468 .1408 .1357 .1315

18.531 21.384 24.523 27.975 31.772

6.495 6.814 7.103 7.367 7.606

4.064 4.388 4.699 4.996 5.279

26.396 29.901 33.377 36.801 40.152

11 12 13 14 15

16 17 18 19 20

4.595 5.054 5.560 6.116 6.728

.2176 .1978 .1799 .1635 .1486

.0278 .0247 .0219 .0195 .0175

.1278 .1247 .1219 .1195 .1175

35.950 40.545 45.599 51.159 57.275

7.824 8.022 8.201 8.365 8.514

5.549 5.807 6.053 6.286 6.508

43.416 46.582 49.640 52.583 55.407

16 17 18 19 20

21 22 23 24 25

7.400 8.140 8.954 9.850 10.835

.1351 .1228 .1117 .1015 .0923

.0156 .0140 .0126 .0113 .0102

.1156 .1140 .1126 .1113 .1102

64.003 71.403 79.543 88.497 98.347

8.649 8.772 8.883 8.985 9.077

6.719 6.919 7.108 7.288 7.458

58.110 60.689 63.146 65.481 67.696

21 22 23 24 25

26 27 28 29 30

11.918 13.110 14.421 15.863 17.449

.0839 .0763 .0693 .0630 .0573

.00916 .00826 .00745 .00673 .00608

.1092 .1083 .1075 .1067 .1061

109.182 121.100 134.210 148.631 164.494

9.161 9.237 9.307 9.370 9.427

7.619 7.770 7.914 8.049 8.176

69.794 71.777 73.650 75.415 77.077

26 27 28 29 30

31 32 33 34 35

19.194 21.114 23.225 25.548 28.102

.0521 .0474 .0431 .0391 .0356

.00550 .00497 .00450 .00407 .00369

.1055 .1050 .1045 .1041 .1037

181.944 201.138 222.252 245.477 271.025

9.479 9.526 9.569 9.609 9.644

8.296 8.409 8.515 8.615 8.709

78.640 80.108 81.486 82.777 83.987

31 32 33 34 35

40 45 50 55 60

45.259 72.891 117.391 189.059 304.482

.0221 .0137 .00852 .00529 .00328

.00226 .00139 .00086 .00053 .00033

.1023 .1014 .1009 .1005 .1003

442.593 718.905 1 163.9 1 880.6 3 034.8

9.779 9.863 9.915 9.947 9.967

9.096 9.374 9.570 9.708 9.802

88.953 92.454 94.889 96.562 97.701

40 45 50 55 60

65 70 75 80 85

490.371 789.748 1 271.9 2 048.4 3 299.0

.00204 .00127 .00079 .00049 .00030

.00020 .00013 .00008 .00005 .00003

.1002 .1001 .1001 .1000 .1000

4 893.7 7 887.5 12 709.0 20 474.0 32 979.7

9.980 9.987 9.992 9.995 9.997

9.867 9.911 9.941 9.961 9.974

98.471 98.987 99.332 99.561 99.712

65 70 75 80 85

.00019 .00012 .00007

.00002 .00001 .00001

.1000 .1000 .1000

53 120.3 85 556.9 137 796.3

9.998 9.999 9.999

9.983 9.989 9.993

99.812 99.877 99.920

90 95 100

90 95 100

5 313.0 8 556.7 13 780.6

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

n

Sinking Fund Factor Find A Given F A/F

613

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i 614 APPENDIX C: COMPOUND INTEREST TABLES 12%

Compound Interest Factors Single Payment

12%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.120 1.254 1.405 1.574 1.762

.8929 .7972 .7118 .6355 .5674

1.0000 .4717 .2963 .2092 .1574

1.1200 .5917 .4163 .3292 .2774

1.000 2.120 3.374 4.779 6.353

0.893 1.690 2.402 3.037 3.605

0 0.472 0.925 1.359 1.775

0 0.797 2.221 4.127 6.397

1 2 3 4 5

6 7 8 9 10

1.974 2.211 2.476 2.773 3.106

.5066 .4523 .4039 .3606 .3220

.1232 .0991 .0813 .0677 .0570

.2432 .2191 .2013 .1877 .1770

8.115 10.089 12.300 14.776 17.549

4.111 4.564 4.968 5.328 5.650

2.172 2.551 2.913 3.257 3.585

8.930 11.644 14.471 17.356 20.254

6 7 8 9 10

11 12 13 14 15

3.479 3.896 4.363 4.887 5.474

.2875 .2567 .2292 .2046 .1827

.0484 .0414 .0357 .0309 .0268

.1684 .1614 .1557 .1509 .1468

20.655 24.133 28.029 32.393 37.280

5.938 6.194 6.424 6.628 6.811

3.895 4.190 4.468 4.732 4.980

23.129 25.952 28.702 31.362 33.920

11 12 13 14 15

16 17 18 19 20

6.130 6.866 7.690 8.613 9.646

.1631 .1456 .1300 .1161 .1037

.0234 .0205 .0179 .0158 .0139

.1434 .1405 .1379 .1358 .1339

42.753 48.884 55.750 63.440 72.052

6.974 7.120 7.250 7.366 7.469

5.215 5.435 5.643 5.838 6.020

36.367 38.697 40.908 42.998 44.968

16 17 18 19 20

21 22 23 24 25

10.804 12.100 13.552 15.179 17.000

.0926 .0826 .0738 .0659 .0588

.0122 .0108 .00956 .00846 .00750

.1322 .1308 .1296 .1285 .1275

81.699 92.503 104.603 118.155 133.334

7.562 7.645 7.718 7.784 7.843

6.191 6.351 6.501 6.641 6.771

46.819 48.554 50.178 51.693 53.105

21 22 23 24 25

26 27 28 29 30

19.040 21.325 23.884 26.750 29.960

.0525 .0469 .0419 .0374 .0334

.00665 .00590 .00524 .00466 .00414

.1267 .1259 .1252 .1247 .1241

150.334 169.374 190.699 214.583 241.333

7.896 7.943 7.984 8.022 8.055

6.892 7.005 7.110 7.207 7.297

54.418 55.637 56.767 57.814 58.782

26 27 28 29 30

31 32 33 34 35

33.555 37.582 42.092 47.143 52.800

.0298 .0266 .0238 .0212 .0189

.00369 .00328 .00292 .00260 .00232

.1237 .1233 .1229 .1226 .1223

271.293 304.848 342.429 384.521 431.663

8.085 8.112 8.135 8.157 8.176

7.381 7.459 7.530 7.596 7.658

59.676 60.501 61.261 61.961 62.605

31 32 33 34 35

40 45 50 55 60

93.051 163.988 289.002 509.321 897.597

.0107 .00610 .00346 .00196 .00111

.00130 .00074 .00042 .00024 .00013

.1213 .1207 .1204 .1202 .1201

767.091 1 358.2 2 400.0 4 236.0 7 471.6

8.244 8.283 8.304 8.317 8.324

7.899 8.057 8.160 8.225 8.266

65.116 66.734 67.762 68.408 68.810

40 45 50 55 60

.00008 .00004 .00002 .00001 .00001

.1201 .1200 .1200 .1200 .1200

13 173.9 23 223.3 40 933.8 72 145.7 127 151.7

8.328 8.330 8.332 8.332 8.333

8.292 8.308 8.318 8.324 8.328

69.058 69.210 69.303 69.359 69.393

65 70 75 80 85

.1200 .1200 .1200

224 091.1 394 931.4 696 010.5

8.333 8.333 8.333

8.330 8.331 8.332

69.414 69.426 69.434

90 95 100

n

65 70 75 80 85

1 581.9 2 787.8 4 913.1 8 658.5 15 259.2

.00063 .00036 .00020 .00012 .00007

90 95 100

26 891.9 47 392.8 83 522.3

.00004 .00002 .00001

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i APPENDIX C: COMPOUND INTEREST TABLES 15%

Compound Interest Factors Single Payment

15%

Uniform Payment Series

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.150 1.322 1.521 1.749 2.011

.8696 .7561 .6575 .5718 .4972

1.0000 .4651 .2880 .2003 .1483

1.1500 .6151 .4380 .3503 .2983

1.000 2.150 3.472 4.993 6.742

0.870 1.626 2.283 2.855 3.352

0 0.465 0.907 1.326 1.723

0 0.756 2.071 3.786 5.775

1 2 3 4 5

6 7 8 9 10

2.313 2.660 3.059 3.518 4.046

.4323 .3759 .3269 .2843 .2472

.1142 .0904 .0729 .0596 .0493

.2642 .2404 .2229 .2096 .1993

8.754 11.067 13.727 16.786 20.304

3.784 4.160 4.487 4.772 5.019

2.097 2.450 2.781 3.092 3.383

7.937 10.192 12.481 14.755 16.979

6 7 8 9 10

11 12 13 14 15

4.652 5.350 6.153 7.076 8.137

.2149 .1869 .1625 .1413 .1229

.0411 .0345 .0291 .0247 .0210

.1911 .1845 .1791 .1747 .1710

24.349 29.002 34.352 40.505 47.580

5.234 5.421 5.583 5.724 5.847

3.655 3.908 4.144 4.362 4.565

19.129 21.185 23.135 24.972 26.693

11 12 13 14 15

16 17 18 19 20

9.358 10.761 12.375 14.232 16.367

.1069 .0929 .0808 .0703 .0611

.0179 .0154 .0132 .0113 .00976

.1679 .1654 .1632 .1613 .1598

55.717 65.075 75.836 88.212 102.444

5.954 6.047 6.128 6.198 6.259

4.752 4.925 5.084 5.231 5.365

28.296 29.783 31.156 32.421 33.582

16 17 18 19 20

21 22 23 24 25

18.822 21.645 24.891 28.625 32.919

.0531 .0462 .0402 .0349 .0304

.00842 .00727 .00628 .00543 .00470

.1584 .1573 .1563 .1554 .1547

118.810 137.632 159.276 184.168 212.793

6.312 6.359 6.399 6.434 6.464

5.488 5.601 5.704 5.798 5.883

34.645 35.615 36.499 37.302 38.031

21 22 23 24 25

26 27 28 29 30

37.857 43.535 50.066 57.575 66.212

.0264 .0230 .0200 .0174 .0151

.00407 .00353 .00306 .00265 .00230

.1541 .1535 .1531 .1527 .1523

245.712 283.569 327.104 377.170 434.745

6.491 6.514 6.534 6.551 6.566

5.961 6.032 6.096 6.154 6.207

38.692 39.289 39.828 40.315 40.753

26 27 28 29 30

31 32 33 34 35

76.144 87.565 100.700 115.805 133.176

.0131 .0114 .00993 .00864 .00751

.00200 .00173 .00150 .00131 .00113

.1520 .1517 .1515 .1513 .1511

500.957 577.100 664.666 765.365 881.170

6.579 6.591 6.600 6.609 6.617

6.254 6.297 6.336 6.371 6.402

41.147 41.501 41.818 42.103 42.359

31 32 33 34 35

40 45 50 55 60

267.864 538.769 1 083.7 2 179.6 4 384.0

.00373 .00186 .00092 .00046 .00023

.00056 .00028 .00014 .00007 .00003

.1506 .1503 .1501 .1501 .1500

1 779.1 3 585.1 7 217.7 14 524.1 29 220.0

6.642 6.654 6.661 6.664 6.665

6.517 6.583 6.620 6.641 6.653

43.283 43.805 44.096 44.256 44.343

40 45 50 55 60

.00011 .00006 .00003 .00001 .00001

.00002 .00001

.1500 .1500 .1500 .1500 .1500

58 778.6 118 231.5 237 812.5 478 332.6 962 104.4

6.666 6.666 6.666 6.667 6.667

6.659 6.663 6.665 6.666 6.666

44.390 44.416 44.429 44.436 44.440

65 70 75 80 85

65 70 75 80 85

8 817.8 17 735.7 35 672.9 71 750.9 144 316.7

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

n

Sinking Fund Factor Find A Given F A/F

615

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i 616 APPENDIX C: COMPOUND INTEREST TABLES 18%

Compound Interest Factors Single Payment

18%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.180 1.392 1.643 1.939 2.288

.8475 .7182 .6086 .5158 .4371

1.0000 .4587 .2799 .1917 .1398

1.1800 .6387 .4599 .3717 .3198

1.000 2.180 3.572 5.215 7.154

0.847 1.566 2.174 2.690 3.127

0 0.459 0.890 1.295 1.673

0 0.718 1.935 3.483 5.231

1 2 3 4 5

6 7 8 9 10

2.700 3.185 3.759 4.435 5.234

.3704 .3139 .2660 .2255 .1911

.1059 .0824 .0652 .0524 .0425

.2859 .2624 .2452 .2324 .2225

9.442 12.142 15.327 19.086 23.521

3.498 3.812 4.078 4.303 4.494

2.025 2.353 2.656 2.936 3.194

7.083 8.967 10.829 12.633 14.352

6 7 8 9 10

11 12 13 14 15

6.176 7.288 8.599 10.147 11.974

.1619 .1372 .1163 .0985 .0835

.0348 .0286 .0237 .0197 .0164

.2148 .2086 .2037 .1997 .1964

28.755 34.931 42.219 50.818 60.965

4.656 4.793 4.910 5.008 5.092

3.430 3.647 3.845 4.025 4.189

15.972 17.481 18.877 20.158 21.327

11 12 13 14 15

16 17 18 19 20

14.129 16.672 19.673 23.214 27.393

.0708 .0600 .0508 .0431 .0365

.0137 .0115 .00964 .00810 .00682

.1937 .1915 .1896 .1881 .1868

72.939 87.068 103.740 123.413 146.628

5.162 5.222 5.273 5.316 5.353

4.337 4.471 4.592 4.700 4.798

22.389 23.348 24.212 24.988 25.681

16 17 18 19 20

21 22 23 24 25

32.324 38.142 45.008 53.109 62.669

.0309 .0262 .0222 .0188 .0160

.00575 .00485 .00409 .00345 .00292

.1857 .1848 .1841 .1835 .1829

174.021 206.345 244.487 289.494 342.603

5.384 5.410 5.432 5.451 5.467

4.885 4.963 5.033 5.095 5.150

26.300 26.851 27.339 27.772 28.155

21 22 23 24 25

26 27 28 29 30

73.949 87.260 102.966 121.500 143.370

.0135 .0115 .00971 .00823 .00697

.00247 .00209 .00177 .00149 .00126

.1825 .1821 .1818 .1815 .1813

405.272 479.221 566.480 669.447 790.947

5.480 5.492 5.502 5.510 5.517

5.199 5.243 5.281 5.315 5.345

28.494 28.791 29.054 29.284 29.486

26 27 28 29 30

31 32 33 34 35

169.177 199.629 235.562 277.963 327.997

.00591 .00501 .00425 .00360 .00305

.00107 .00091 .00077 .00065 .00055

.1811 .1809 .1808 .1806 .1806

934.317 1 103.5 1 303.1 1 538.7 1 816.6

5.523 5.528 5.532 5.536 5.539

5.371 5.394 5.415 5.433 5.449

29.664 29.819 29.955 30.074 30.177

31 32 33 34 35

40 45 50 55 60

750.377 1 716.7 3 927.3 8 984.8 20 555.1

.00133 .00058 .00025 .00011 .00005

.00024 .00010 .00005 .00002 .00001

.1802 .1801 .1800 .1800 .1800

4 163.2 9 531.6 21 813.0 49 910.1 114 189.4

5.548 5.552 5.554 5.555 5.555

5.502 5.529 5.543 5.549 5.553

30.527 30.701 30.786 30.827 30.846

40 45 50 55 60

.1800 .1800

261 244.7 597 671.7

5.555 5.556

5.554 5.555

30.856 30.860

65 70

n

65 70

47 025.1 107 581.9

.00002 .00001

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i APPENDIX C: COMPOUND INTEREST TABLES 20%

Compound Interest Factors Single Payment

20%

Uniform Payment Series

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.200 1.440 1.728 2.074 2.488

.8333 .6944 .5787 .4823 .4019

1.0000 .4545 .2747 .1863 .1344

1.2000 .6545 .4747 .3863 .3344

1.000 2.200 3.640 5.368 7.442

0.833 1.528 2.106 2.589 2.991

0 0.455 0.879 1.274 1.641

0 0.694 1.852 3.299 4.906

1 2 3 4 5

6 7 8 9 10

2.986 3.583 4.300 5.160 6.192

.3349 .2791 .2326 .1938 .1615

.1007 .0774 .0606 .0481 .0385

.3007 .2774 .2606 .2481 .2385

9.930 12.916 16.499 20.799 25.959

3.326 3.605 3.837 4.031 4.192

1.979 2.290 2.576 2.836 3.074

6.581 8.255 9.883 11.434 12.887

6 7 8 9 10

11 12 13 14 15

7.430 8.916 10.699 12.839 15.407

.1346 .1122 .0935 .0779 .0649

.0311 .0253 .0206 .0169 .0139

.2311 .2253 .2206 .2169 .2139

32.150 39.581 48.497 59.196 72.035

4.327 4.439 4.533 4.611 4.675

3.289 3.484 3.660 3.817 3.959

14.233 15.467 16.588 17.601 18.509

11 12 13 14 15

16 17 18 19 20

18.488 22.186 26.623 31.948 38.338

.0541 .0451 .0376 .0313 .0261

.0114 .00944 .00781 .00646 .00536

.2114 .2094 .2078 .2065 .2054

87.442 105.931 128.117 154.740 186.688

4.730 4.775 4.812 4.843 4.870

4.085 4.198 4.298 4.386 4.464

19.321 20.042 20.680 21.244 21.739

16 17 18 19 20

21 22 23 24 25

46.005 55.206 66.247 79.497 95.396

.0217 .0181 .0151 .0126 .0105

.00444 .00369 .00307 .00255 .00212

.2044 .2037 .2031 .2025 .2021

225.026 271.031 326.237 392.484 471.981

4.891 4.909 4.925 4.937 4.948

4.533 4.594 4.647 4.694 4.735

22.174 22.555 22.887 23.176 23.428

21 22 23 24 25

26 27 28 29 30

114.475 137.371 164.845 197.814 237.376

.00874 .00728 .00607 .00506 .00421

.00176 .00147 .00122 .00102 .00085

.2018 .2015 .2012 .2010 .2008

567.377 681.853 819.223 984.068 1 181.9

4.956 4.964 4.970 4.975 4.979

4.771 4.802 4.829 4.853 4.873

23.646 23.835 23.999 24.141 24.263

26 27 28 29 30

31 32 33 34 35

284.852 341.822 410.186 492.224 590.668

.00351 .00293 .00244 .00203 .00169

.00070 .00059 .00049 .00041 .00034

.2007 .2006 .2005 .2004 .2003

1 419.3 1 704.1 2 045.9 2 456.1 2 948.3

4.982 4.985 4.988 4.990 4.992

4.891 4.906 4.919 4.931 4.941

24.368 24.459 24.537 24.604 24.661

31 32 33 34 35

.00068 .00027 .00011 .00004 .00002

.00014 .00005 .00002 .00001

.2001 .2001 .2000 .2000 .2000

7 343.9 18 281.3 45 497.2 113 219.0 281 732.6

4.997 4.999 4.999 5.000 5.000

4.973 4.988 4.995 4.998 4.999

24.847 24.932 24.970 24.987 24.994

40 45 50 55 60

40 45 50 55 60

1 469.8 3 657.3 9 100.4 22 644.8 56 347.5

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

n

Sinking Fund Factor Find A Given F A/F

617

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i 618 APPENDIX C: COMPOUND INTEREST TABLES 25%

Compound Interest Factors Single Payment

25%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.250 1.563 1.953 2.441 3.052

.8000 .6400 .5120 .4096 .3277

1.0000 .4444 .2623 .1734 .1218

1.2500 .6944 .5123 .4234 .3718

1.000 2.250 3.813 5.766 8.207

0.800 1.440 1.952 2.362 2.689

0 0.444 0.852 1.225 1.563

0 0.640 1.664 2.893 4.204

1 2 3 4 5

6 7 8 9 10

3.815 4.768 5.960 7.451 9.313

.2621 .2097 .1678 .1342 .1074

.0888 .0663 .0504 .0388 .0301

.3388 .3163 .3004 .2888 .2801

11.259 15.073 19.842 25.802 33.253

2.951 3.161 3.329 3.463 3.571

1.868 2.142 2.387 2.605 2.797

5.514 6.773 7.947 9.021 9.987

6 7 8 9 10

11 12 13 14 15

11.642 14.552 18.190 22.737 28.422

.0859 .0687 .0550 .0440 .0352

.0235 .0184 .0145 .0115 .00912

.2735 .2684 .2645 .2615 .2591

42.566 54.208 68.760 86.949 109.687

3.656 3.725 3.780 3.824 3.859

2.966 3.115 3.244 3.356 3.453

10.846 11.602 12.262 12.833 13.326

11 12 13 14 15

16 17 18 19 20

35.527 44.409 55.511 69.389 86.736

.0281 .0225 .0180 .0144 .0115

.00724 .00576 .00459 .00366 .00292

.2572 .2558 .2546 .2537 .2529

138.109 173.636 218.045 273.556 342.945

3.887 3.910 3.928 3.942 3.954

3.537 3.608 3.670 3.722 3.767

13.748 14.108 14.415 14.674 14.893

16 17 18 19 20

21 22 23 24 25

108.420 135.525 169.407 211.758 264.698

.00922 .00738 .00590 .00472 .00378

.00233 .00186 .00148 .00119 .00095

.2523 .2519 .2515 .2512 .2509

429.681 538.101 673.626 843.033 1 054.8

3.963 3.970 3.976 3.981 3.985

3.805 3.836 3.863 3.886 3.905

15.078 15.233 15.362 15.471 15.562

21 22 23 24 25

26 27 28 29 30

330.872 413.590 516.988 646.235 807.794

.00302 .00242 .00193 .00155 .00124

.00076 .00061 .00048 .00039 .00031

.2508 .2506 .2505 .2504 .2503

1 319.5 1 650.4 2 064.0 2 580.9 3 227.2

3.988 3.990 3.992 3.994 3.995

3.921 3.935 3.946 3.955 3.963

15.637 15.700 15.752 15.796 15.832

26 27 28 29 30

n

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

31 32 33 34 35

1 009.7 1 262.2 1 577.7 1 972.2 2 465.2

.00099 .00079 .00063 .00051 .00041

.00025 .00020 .00016 .00013 .00010

.2502 .2502 .2502 .2501 .2501

4 035.0 5 044.7 6 306.9 7 884.6 9 856.8

3.996 3.997 3.997 3.998 3.998

3.969 3.975 3.979 3.983 3.986

15.861 15.886 15.906 15.923 15.937

31 32 33 34 35

40 45 50 55

7 523.2 22 958.9 70 064.9 213 821.2

.00013 .00004 .00001

.00003 .00001

.2500 .2500 .2500 .2500

30 088.7 91 831.5 280 255.7 855 280.7

3.999 4.000 4.000 4.000

3.995 3.998 3.999 4.000

15.977 15.991 15.997 15.999

40 45 50 55

i

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i APPENDIX C: COMPOUND INTEREST TABLES 30%

Compound Interest Factors Single Payment

30%

Uniform Payment Series Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.300 1.690 2.197 2.856 3.713

.7692 .5917 .4552 .3501 .2693

1.0000 .4348 .2506 .1616 .1106

1.3000 .7348 .5506 .4616 .4106

1.000 2.300 3.990 6.187 9.043

0.769 1.361 1.816 2.166 2.436

0 0.435 0.827 1.178 1.490

0 0.592 1.502 2.552 3.630

1 2 3 4 5

6 7 8 9 10

4.827 6.275 8.157 10.604 13.786

.2072 .1594 .1226 .0943 .0725

.0784 .0569 .0419 .0312 .0235

.3784 .3569 .3419 .3312 .3235

12.756 17.583 23.858 32.015 42.619

2.643 2.802 2.925 3.019 3.092

1.765 2.006 2.216 2.396 2.551

4.666 5.622 6.480 7.234 7.887

6 7 8 9 10

11 12 13 14 15

17.922 23.298 30.287 39.374 51.186

.0558 .0429 .0330 .0254 .0195

.0177 .0135 .0102 .00782 .00598

.3177 .3135 .3102 .3078 .3060

56.405 74.327 97.625 127.912 167.286

3.147 3.190 3.223 3.249 3.268

2.683 2.795 2.889 2.969 3.034

8.445 8.917 9.314 9.644 9.917

11 12 13 14 15

16 17 18 19 20

66.542 86.504 112.455 146.192 190.049

.0150 .0116 .00889 .00684 .00526

.00458 .00351 .00269 .00207 .00159

.3046 .3035 .3027 .3021 .3016

218.472 285.014 371.518 483.973 630.165

3.283 3.295 3.304 3.311 3.316

3.089 3.135 3.172 3.202 3.228

10.143 10.328 10.479 10.602 10.702

16 17 18 19 20

21 22 23 24 25

247.064 321.184 417.539 542.800 705.640

.00405 .00311 .00239 .00184 .00142

.00122 .00094 .00072 .00055 .00043

.3012 .3009 .3007 .3006 .3004

820.214 1 067.3 1 388.5 1 806.0 2 348.8

3.320 3.323 3.325 3.327 3.329

3.248 3.265 3.278 3.289 3.298

10.783 10.848 10.901 10.943 10.977

21 22 23 24 25

26 27 28 29 30

917.332 1 192.5 1 550.3 2 015.4 2 620.0

.00109 .00084 .00065 .00050 .00038

.00033 .00025 .00019 .00015 .00011

.3003 .3003 .3002 .3001 .3001

3 054.4 3 971.8 5 164.3 6 714.6 8 730.0

3.330 3.331 3.331 3.332 3.332

3.305 3.311 3.315 3.319 3.322

11.005 11.026 11.044 11.058 11.069

26 27 28 29 30

31 32 33 34 35

3 406.0 4 427.8 5 756.1 7 483.0 9 727.8

.00029 .00023 .00017 .00013 .00010

.00009 .00007 .00005 .00004 .00003

.3001 .3001 .3001 .3000 .3000

11 350.0 14 756.0 19 183.7 24 939.9 32 422.8

3.332 3.333 3.333 3.333 3.333

3.324 3.326 3.328 3.329 3.330

11.078 11.085 11.090 11.094 11.098

31 32 33 34 35

40 45

36 118.8 134 106.5

.00003 .00001

.00001

.3000 .3000

120 392.6 447 018.3

3.333 3.333

3.332 3.333

11.107 11.110

40 45

n

Sinking Fund Factor Find A Given F A/F

619

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

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i 620 APPENDIX C: COMPOUND INTEREST TABLES 35%

Compound Interest Factors Single Payment

35%

Uniform Payment Series

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.350 1.822 2.460 3.322 4.484

.7407 .5487 .4064 .3011 .2230

1.0000 .4255 .2397 .1508 .1005

1.3500 .7755 .5897 .5008 .4505

1.000 2.350 4.173 6.633 9.954

0.741 1.289 1.696 1.997 2.220

0 0.426 0.803 1.134 1.422

0 0.549 1.362 2.265 3.157

1 2 3 4 5

6 7 8 9 10

6.053 8.172 11.032 14.894 20.107

.1652 .1224 .0906 .0671 .0497

.0693 .0488 .0349 .0252 .0183

.4193 .3988 .3849 .3752 .3683

14.438 20.492 28.664 39.696 54.590

2.385 2.508 2.598 2.665 2.715

1.670 1.881 2.060 2.209 2.334

3.983 4.717 5.352 5.889 6.336

6 7 8 9 10

11 12 13 14 15

27.144 36.644 49.470 66.784 90.158

.0368 .0273 .0202 .0150 .0111

.0134 .00982 .00722 .00532 .00393

.3634 .3598 .3572 .3553 .3539

74.697 101.841 138.485 187.954 254.739

2.752 2.779 2.799 2.814 2.825

2.436 2.520 2.589 2.644 2.689

6.705 7.005 7.247 7.442 7.597

11 12 13 14 15

16 17 18 19 20

121.714 164.314 221.824 299.462 404.274

.00822 .00609 .00451 .00334 .00247

.00290 .00214 .00158 .00117 .00087

.3529 .3521 .3516 .3512 .3509

344.897 466.611 630.925 852.748 1 152.2

2.834 2.840 2.844 2.848 2.850

2.725 2.753 2.776 2.793 2.808

7.721 7.818 7.895 7.955 8.002

16 17 18 19 20

21 22 23 24 25

545.769 736.789 994.665 1 342.8 1 812.8

.00183 .00136 .00101 .00074 .00055

.00064 .00048 .00035 .00026 .00019

.3506 .3505 .3504 .3503 .3502

1 556.5 2 102.3 2 839.0 3 833.7 5 176.5

2.852 2.853 2.854 2.855 2.856

2.819 2.827 2.834 2.839 2.843

8.038 8.067 8.089 8.106 8.119

21 22 23 24 25

26 27 28 29 30

2 447.2 3 303.8 4 460.1 6 021.1 8 128.5

.00041 .00030 .00022 .00017 .00012

.00014 .00011 .00008 .00006 .00004

.3501 .3501 .3501 .3501 .3500

6 989.3 9 436.5 12 740.3 17 200.4 23 221.6

2.856 2.856 2.857 2.857 2.857

2.847 2.849 2.851 2.852 2.853

8.130 8.137 8.143 8.148 8.152

26 27 28 29 30

31 32 33 34 35

10 973.5 14 814.3 19 999.3 26 999.0 36 448.7

.00009 .00007 .00005 .00004 .00003

.00003 .00002 .00002 .00001 .00001

.3500 .3500 .3500 .3500 .3500

31 350.1 42 323.7 57 137.9 77 137.2 104 136.3

2.857 2.857 2.857 2.857 2.857

2.854 2.855 2.855 2.856 2.856

8.154 8.157 8.158 8.159 8.160

31 32 33 34 35

n

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Arithmetic Gradient Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

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i APPENDIX C: COMPOUND INTEREST TABLES 40%

Compound Interest Factors Single Payment Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.400 1.960 2.744 3.842 5.378

.7143 .5102 .3644 .2603 .1859

6 7 8 9 10

7.530 10.541 14.758 20.661 28.925

11 12 13 14 15 16 17 18 19 20

n

40%

Uniform Payment Series Sinking Fund Factor Find A Given F A/F

621

Arithmetic Gradient

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

1.0000 .4167 .2294 .1408 .0914

1.4000 .8167 .6294 .5408 .4914

1.000 2.400 4.360 7.104 10.946

0.714 1.224 1.589 1.849 2.035

0 0.417 0.780 1.092 1.358

0 0.510 1.239 2.020 2.764

1 2 3 4 5

.1328 .0949 .0678 .0484 .0346

.0613 .0419 .0291 .0203 .0143

.4613 .4419 .4291 .4203 .4143

16.324 23.853 34.395 49.153 69.814

2.168 2.263 2.331 2.379 2.414

1.581 1.766 1.919 2.042 2.142

3.428 3.997 4.471 4.858 5.170

6 7 8 9 10

40.496 56.694 79.371 111.120 155.568

.0247 .0176 .0126 .00900 .00643

.0101 .00718 .00510 .00363 .00259

.4101 .4072 .4051 .4036 .4026

98.739 139.235 195.929 275.300 386.420

2.438 2.456 2.469 2.478 2.484

2.221 2.285 2.334 2.373 2.403

5.417 5.611 5.762 5.879 5.969

11 12 13 14 15

217.795 304.913 426.879 597.630 836.682

.00459 .00328 .00234 .00167 .00120

.00185 .00132 .00094 .00067 .00048

.4018 .4013 .4009 .4007 .4005

541.988 759.783 1 064.7 1 419.6 2 089.2

2.489 2.492 2.494 2.496 2.497

2.426 2.444 2.458 2.468 2.476

6.038 6.090 6.130 6.160 6.183

16 17 18 19 20

n

21 22 23 24 25

1 171.4 1 639.9 2 295.9 3 214.2 4 499.9

.00085 .00061 .00044 .00031 .00022

.00034 .00024 .00017 .00012 .00009

.4003 .4002 .4002 .4001 .4001

2 925.9 4 097.2 5 737.1 8 033.0 11 247.2

2.498 2.498 2.499 2.499 2.499

2.482 2.487 2.490 2.493 2.494

6.200 6.213 6.222 6.229 6.235

21 22 23 24 25

26 27 28 29 30

6 299.8 8 819.8 12 347.7 17 286.7 24 201.4

.00016 .00011 .00008 .00006 .00004

.00006 .00005 .00003 .00002 .00002

.4001 .4000 .4000 .4000 .4000

15 747.1 22 046.9 30 866.7 43 214.3 60 501.0

2.500 2.500 2.500 2.500 2.500

2.496 2.497 2.498 2.498 2.499

6.239 6.242 6.244 6.245 6.247

26 27 28 29 30

31 32 33 34 35

33 882.0 47 434.8 66 408.7 92 972.1 130 161.0

.00003 .00002 .00002 .00001 .00001

.00001 .00001 .00001

.4000 .4000 .4000 .4000 .4000

84 702.5 118 584.4 166 019.2 232 427.9 325 400.0

2.500 2.500 2.500 2.500 2.500

2.499 2.499 2.500 2.500 2.500

6.248 6.248 6.249 6.249 6.249

31 32 33 34 35

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i 622 APPENDIX C: COMPOUND INTEREST TABLES 45%

Compound Interest Factors Single Payment Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.450 2.103 3.049 4.421 6.410

.6897 .4756 .3280 .2262 .1560

6 7 8 9 10

9.294 13.476 19.541 28.334 41.085

11 12 13 14 15 16 17 18 19 20

n

45%

Uniform Payment Series Sinking Fund Factor Find A Given F A/F

Arithmetic Gradient

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

1.0000 .4082 .2197 .1316 .0832

1.4500 .8582 .6697 .5816 .5332

1.000 2.450 4.553 7.601 12.022

0.690 1.165 1.493 1.720 1.876

0 0.408 0.758 1.053 1.298

0 0.476 1.132 1.810 2.434

1 2 3 4 5

.1076 .0742 .0512 .0353 .0243

.0543 .0361 .0243 .0165 .0112

.5043 .4861 .4743 .4665 .4612

18.431 27.725 41.202 60.743 89.077

1.983 2.057 2.109 2.144 2.168

1.499 1.661 1.791 1.893 1.973

2.972 3.418 3.776 4.058 4.277

6 7 8 9 10

59.573 86.381 125.252 181.615 263.342

.0168 .0116 .00798 .00551 .00380

.00768 .00527 .00362 .00249 .00172

.4577 .4553 .4536 .4525 .4517

130.162 189.735 276.115 401.367 582.982

2.185 2.196 2.204 2.210 2.214

2.034 2.082 2.118 2.145 2.165

4.445 4.572 4.668 4.740 4.793

11 12 13 14 15

381.846 553.677 802.831 1 164.1 1 688.0

.00262 .00181 .00125 .00086 .00059

.00118 .00081 .00056 .00039 .00027

.4512 .4508 .4506 .4504 .4503

846.325 1 228.2 1 781.8 2 584.7 3 748.8

2.216 2.218 2.219 2.220 2.221

2.180 2.191 2.200 2.206 2.210

4.832 4.861 4.882 4.898 4.909

16 17 18 19 20

n

21 22 23 24 25

2 447.5 3 548.9 5 145.9 7 461.6 10 819.3

.00041 .00028 .00019 .00013 .00009

.00018 .00013 .00009 .00006 .00004

.4502 .4501 .4501 .4501 .4500

5 436.7 7 884.3 11 433.2 16 579.1 24 040.7

2.221 2.222 2.222 2.222 2.222

2.214 2.216 2.218 2.219 2.220

4.917 4.923 4.927 4.930 4.933

21 22 23 24 25

26 27 28 29 30

15 688.0 22 747.7 32 984.1 47 826.9 69 349.1

.00006 .00004 .00003 .00002 .00001

.00003 .00002 .00001 .00001 .00001

.4500 .4500 .4500 .4500 .4500

34 860.1 50 548.1 73 295.8 106 279.9 154 106.8

2.222 2.222 2.222 2.222 2.222

2.221 2.221 2.221 2.222 2.222

4.934 4.935 4.936 4.937 4.937

26 27 28 29 30

31 32 33 34 35

100 556.1 145 806.4 211 419.3 306 558.0 444 509.2

.00001 .00001

.4500 .4500 .4500 .4500 .4500

223 455.9 324 012.0 469 818.5 681 237.8 987 795.9

2.222 2.222 2.222 2.222 2.222

2.222 2.222 2.222 2.222 2.222

4.938 4.938 4.938 4.938 4.938

31 32 33 34 35

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i APPENDIX C: COMPOUND INTEREST TABLES 50%

Compound Interest Factors Single Payment Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.500 2.250 3.375 5.063 7.594

.6667 .4444 .2963 .1975 .1317

6 7 8 9 10

11.391 17.086 25.629 38.443 57.665

.0878 .0585 .0390 .0260 .0173

11 12 13 14 15

86.498 129.746 194.620 291.929 437.894

16 17 18 19 20

656.814 985.261 1 477.9 2 216.8 3 325.3

n

50%

Uniform Payment Series Sinking Fund Factor Find A Given F A/F

623

Arithmetic Gradient

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

1.5000 .9000 .7105 .6231 .5758

1.000 2.500 4.750 8.125 13.188

0.667 1.111 1.407 1.605 1.737

0 0.400 0.737 1.015 1.242

0 0.444 1.037 1.630 2.156

1 2 3 4 5

.0481 .0311 .0203 .0134 .00882

.5481 .5311 .5203 .5134 .5088

20.781 32.172 49.258 74.887 113.330

1.824 1.883 1.922 1.948 1.965

1.423 1.565 1.675 1.760 1.824

2.595 2.947 3.220 3.428 3.584

6 7 8 9 10

.0116 .00771 .00514 .00343 .00228

.00585 .00388 .00258 .00172 .00114

.5058 .5039 .5026 .5017 .5011

170.995 257.493 387.239 581.859 873.788

1.977 1.985 1.990 1.993 1.995

1.871 1.907 1.933 1.952 1.966

3.699 3.784 3.846 3.890 3.922

11 12 13 14 15

.00152 .00101 .00068 .00045 .00030

.00076 .00051 .00034 .00023 .00015

.5008 .5005 .5003 .5002 .5002

1 311.7 1 968.5 2 953.8 4 431.7 6 648.5

1.997 1.998 1.999 1.999 1.999

1.976 1.983 1.988 1.991 1.994

3.945 3.961 3.973 3.981 3.987

16 17 18 19 20

1.0000 .4000 .2105 .1231 .0758

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

21 22 23 24 25

4 987.9 7 481.8 11 222.7 16 834.1 25 251.2

.00020 .00013 .00009 .00006 .00004

.00010 .00007 .00004 .00003 .00002

.5001 .5001 .5000 .5000 .5000

9 973.8 14 961.7 22 443.5 33 666.2 50 500.3

2.000 2.000 2.000 2.000 2.000

1.996 1.997 1.998 1.999 1.999

3.991 3.994 3.996 3.997 3.998

21 22 23 24 25

26 27 28 29 30

37 876.8 56 815.1 85 222.7 127 834.0 191 751.1

.00003 .00002 .00001 .00001 .00001

.00001 .00001 .00001

.5000 .5000 .5000 .5000 .5000

75 751.5 113 628.3 170 443.4 255 666.1 383 500.1

2.000 2.000 2.000 2.000 2.000

1.999 2.000 2.000 2.000 2.000

3.999 3.999 3.999 4.000 4.000

26 27 28 29 30

31 32

287 626.6 431 439.9

.5000 .5000

575 251.2 862 877.8

2.000 2.000

2.000 2.000

4.000 4.000

31 32

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i 624 APPENDIX C: COMPOUND INTEREST TABLES 60%

Compound Interest Factors Single Payment Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

1 2 3 4 5

1.600 2.560 4.096 6.554 10.486

.6250 .3906 .2441 .1526 .0954

6 7 8 9 10

16.777 26.844 42.950 68.719 109.951

.0596 .0373 .0233 .0146 .00909

11 12 13 14 15

175.922 281.475 450.360 720.576 1 152.9

n

60%

Uniform Payment Series Sinking Fund Factor Find A Given F A/F

Arithmetic Gradient

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

1.6000 .9846 .7938 .7080 .6633

1.000 2.600 5.160 9.256 15.810

0.625 1.016 1.260 1.412 1.508

0 0.385 0.698 0.946 1.140

0 0.391 0.879 1.337 1.718

1 2 3 4 5

.0380 .0232 .0143 .00886 .00551

.6380 .6232 .6143 .6089 .6055

26.295 43.073 69.916 112.866 181.585

1.567 1.605 1.628 1.642 1.652

1.286 1.396 1.476 1.534 1.575

2.016 2.240 2.403 2.519 2.601

6 7 8 9 10

.00568 .00355 .00222 .00139 .00087

.00343 .00214 .00134 .00083 .00052

.6034 .6021 .6013 .6008 .6005

291.536 467.458 748.933 1 199.3 1 919.9

1.657 1.661 1.663 1.664 1.665

1.604 1.624 1.638 1.647 1.654

2.658 2.697 2.724 2.742 2.754

11 12 13 14 15

1.0000 .3846 .1938 .1080 .0633

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

16 17 18 19 20

1 844.7 2 951.5 4 722.4 7 555.8 12 089.3

.00054 .00034 .00021 .00013 .00008

.00033 .00020 .00013 .00008 .00005

.6003 .6002 .6001 .6011 .6000

3 072.8 4 917.5 7 868.9 12 591.3 20 147.1

1.666 1.666 1.666 1.666 1.667

1.658 1.661 1.663 1.664 1.665

2.762 2.767 2.771 2.773 2.775

16 17 18 19 20

21 22 23 24 25

19 342.8 30 948.5 49 517.6 79 228.1 126 765.0

.00005 .00003 .00002 .00001 .00001

.00003 .00002 .00001 .00001

.6000 .6000 .6000 .6000 .6000

32 236.3 51 579.2 82 527.6 132 045.2 211 273.4

1.667 1.667 1.667 1.667 1.667

1.666 1.666 1.666 1.666 1.666

2.776 2.777 2.777 2.777 2.777

21 22 23 24 25

26 27 28

202 824.0 324 518.4 519 229.5

.6000 .6000 .6000

338 038.4 540 862.4 865 380.9

1.667 1.667 1.667

1.667 1.667 1.667

2.778 2.778 2.778

26 27 28

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i APPENDIX C: COMPOUND INTEREST TABLES

625

Continuous Compounding—Single Payment Factors

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

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

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

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

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

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

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