Compound Interest Factor Tables

Interest Factor Tables
0.25%
T AB L E
1 Discrete Cash Flow: Compound Interest Factors
Single Payments
0.25%
Uniform Series Payments
Arithmetic Gradients
F/P
P/F
A/F
F/A
A/P
P/A
Compound
Amount
Present
Worth
Sinking
Fund
Compound
Amount
Capital
Recovery
Present
Worth
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
55
60
72
75
84
90
96
100
108
120
132
144
240
360
480
1.0025
1.0050
1.0075
1.0100
1.0126
1.0151
1.0176
1.0202
1.0227
1.0253
1.0278
1.0304
1.0330
1.0356
1.0382
1.0408
1.0434
1.0460
1.0486
1.0512
1.0538
1.0565
1.0591
1.0618
1.0644
1.0671
1.0697
1.0724
1.0751
1.0778
1.0941
1.1050
1.1273
1.1330
1.1386
1.1472
1.1616
1.1969
1.2059
1.2334
1.2520
1.2709
1.2836
1.3095
1.3494
1.3904
1.4327
1.8208
2.4568
3.3151
0.9975
0.9950
0.9925
0.9901
0.9876
0.9851
0.9827
0.9802
0.9778
0.9753
0.9729
0.9705
0.9681
0.9656
0.9632
0.9608
0.9584
0.9561
0.9537
0.9513
0.9489
0.9466
0.9442
0.9418
0.9395
0.9371
0.9348
0.9325
0.9301
0.9278
0.9140
0.9050
0.8871
0.8826
0.8782
0.8717
0.8609
0.8355
0.8292
0.8108
0.7987
0.7869
0.7790
0.7636
0.7411
0.7192
0.6980
0.5492
0.4070
0.3016
1.00000
0.49938
0.33250
0.24906
0.19900
0.16563
0.14179
0.12391
0.11000
0.09888
0.08978
0.08219
0.07578
0.07028
0.06551
0.06134
0.05766
0.05438
0.05146
0.04882
0.04644
0.04427
0.04229
0.04048
0.03881
0.03727
0.03585
0.03452
0.03329
0.03214
0.02658
0.02380
0.01963
0.01880
0.01803
0.01698
0.01547
0.01269
0.01214
0.01071
0.00992
0.00923
0.00881
0.00808
0.00716
0.00640
0.00578
0.00305
0.00172
0.00108
1.0000
2.0025
3.0075
4.0150
5.0251
6.0376
7.0527
8.0704
9.0905
10.1133
11.1385
12.1664
13.1968
14.2298
15.2654
16.3035
17.3443
18.3876
19.4336
20.4822
21.5334
22.5872
23.6437
24.7028
25.7646
26.8290
27.8961
28.9658
30.0382
31.1133
37.6206
42.0132
50.9312
53.1887
55.4575
58.8819
64.6467
78.7794
82.3792
93.3419
100.7885
108.3474
113.4500
123.8093
139.7414
156.1582
173.0743
328.3020
582.7369
926.0595
1.00250
0.50188
0.33500
0.25156
0.20150
0.16813
0.14429
0.12641
0.11250
0.10138
0.09228
0.08469
0.07828
0.07278
0.06801
0.06384
0.06016
0.05688
0.05396
0.05132
0.04894
0.04677
0.04479
0.04298
0.04131
0.03977
0.03835
0.03702
0.03579
0.03464
0.02908
0.02630
0.02213
0.02130
0.02053
0.01948
0.01797
0.01519
0.01464
0.01321
0.01242
0.01173
0.01131
0.01058
0.00966
0.00890
0.00828
0.00555
0.00422
0.00358
0.9975
1.9925
2.9851
3.9751
4.9627
5.9478
6.9305
7.9107
8.8885
9.8639
10.8368
11.8073
12.7753
13.7410
14.7042
15.6650
16.6235
17.5795
18.5332
19.4845
20.4334
21.3800
22.3241
23.2660
24.2055
25.1426
26.0774
27.0099
27.9400
28.8679
34.3865
38.0199
45.1787
46.9462
48.7048
51.3264
55.6524
65.8169
68.3108
75.6813
80.5038
85.2546
88.3825
94.5453
103.5618
112.3121
120.8041
180.3109
237.1894
279.3418
P/G Gradient
Present Worth
A/G Gradient
Uniform Series
0.9950
2.9801
5.9503
9.9007
14.8263
20.7223
27.5839
35.4061
44.1842
53.9133
64.5886
76.2053
88.7587
102.2441
116.6567
131.9917
148.2446
165.4106
183.4851
202.4634
222.3410
243.1131
264.7753
287.3230
310.7516
335.0566
360.2334
386.2776
413.1847
592.4988
728.7399
1040.06
1125.78
1214.59
1353.53
1600.08
2265.56
2447.61
3029.76
3446.87
3886.28
4191.24
4829.01
5852.11
6950.01
8117.41
19399
36264
53821
0.4994
0.9983
1.4969
1.9950
2.4927
2.9900
3.4869
3.9834
4.4794
4.9750
5.4702
5.9650
6.4594
6.9534
7.4469
7.9401
8.4328
8.9251
9.4170
9.9085
10.3995
10.8901
11.3804
11.8702
12.3596
12.8485
13.3371
13.8252
14.3130
17.2306
19.1673
23.0209
23.9802
24.9377
26.3710
28.7514
34.4221
35.8305
40.0331
42.8162
45.5844
47.4216
51.0762
56.5084
61.8813
67.1949
107.5863
152.8902
192.6699
388
389
Interest F
Factor Tables
0.5%
T AB
BLE
2 Discreete Cash Flow: Compound Intterest Factors
Single Payments
0.5%

P
A
F/P
P/F
A/F
F/A
A/P
P//A
P/G Graadient
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
Present Worth
Comp
pound
Amount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
55
60
72
75
84
90
96
100
108
120
132
144
240
360
480
1.0
0050
1.0
0100
1.0
0151
1.0
0202
1.0
0253
1.0
0304
1.0
0355
1.0
0407
1.0
0459
1.0
0511
1.0
0564
1.0
0617
1.0
0670
1.0
0723
1.0
0777
1.0
0831
1.0
0885
1.0
0939
1.0
0994
1.1
1049
1.1
1104
1.1
1160
1.1
1216
1.1
1272
1.1
1328
1.1
1385
1.1
1442
1.1
1499
1.1
1556
1.1
1614
1.1
1967
1.2
2208
1.2
2705
1.2
2832
1.2
2961
1.3
3156
1.3
3489
1.4
4320
1.4
4536
1.5
5204
1.5
5666
1.6
6141
1.6
6467
1.7
7137
1.8
8194
1.9
9316
2.0
0508
3.3
3102
6.0
0226
10.9
9575
0.9950
0
0.9901
1
0.9851
1
0.9802
2
0.9754
4
0.9705
5
0.9657
7
0.9609
9
0.9561
1
0.9513
3
0.9466
6
0.9419
9
0.9372
2
0.9326
6
0.9279
9
0.9233
3
0.9187
7
0.9141
1
0.9096
6
0.9051
1
0.9006
6
0.8961
1
0.8916
6
0.8872
2
0.8828
8
0.8784
4
0.8740
0
0.8697
7
0.8653
3
0.8610
0
0.8356
6
0.8191
1
0.7871
1
0.7793
3
0.7716
6
0.7601
1
0.7414
4
0.6983
3
0.6879
9
0.6577
7
0.6383
3
0.6195
5
0.6073
3
0.5835
5
0.5496
6
0.5177
7
0.4876
6
0.3021
1
0.1660
0
0.0913
3
1.00000
0.49875
0.33167
0.24813
0.19801
0.16460
0.14073
0.12283
0.10891
0.09777
0.08866
0.08107
0.07464
0.06914
0.06436
0.06019
0.05651
0.05323
0.05030
0.04767
0.04528
0.04311
0.04113
0.03932
0.03765
0.03611
0.03469
0.03336
0.03213
0.03098
0.02542
0.02265
0.01849
0.01765
0.01689
0.01584
0.01433
0.01157
0.01102
0.00961
0.00883
0.00814
0.00773
0.00701
0.00610
0.00537
0.00476
0.00216
0.00100
0.00050
1.0000
2.0050
3.0150
4.0301
5.0503
6.0755
7.1059
8.1414
9.1821
10.2280
11.2792
12.3356
13.3972
14.4642
15.5365
16.6142
17.6973
18.7858
19.8797
20.9791
22.0840
23.1944
24.3104
25.4320
26.5591
27.6919
28.8304
29.9745
31.1244
32.2800
39.3361
44.1588
54.0978
56.6452
59.2180
63.1258
69.7700
86.4089
90.7265
104.0739
113.3109
122.8285
129.3337
142.7399
163.8793
186.3226
210.1502
462.0409
1004.52
1991.49
1.00500
0.50375
0.33667
0.25313
0.20301
0.16960
0.14573
0.12783
0.11391
0.10277
0.09366
0.08607
0.07964
0.07414
0.06936
0.06519
0.06151
0.05823
0.05530
0.05267
0.05028
0.04811
0.04613
0.04432
0.04265
0.04111
0.03969
0.03836
0.03713
0.03598
0.03042
0.02765
0.02349
0.02265
0.02189
0.02084
0.01933
0.01657
0.01602
0.01461
0.01383
0.01314
0.01273
0.01201
0.01110
0.01037
0.00976
0.00716
0.00600
0.00550
0.99950
1.9 851
2.97702
3.95505
4.92259
5.89964
6.86621
7.82230
8.77791
9.73304
10.66770
11.66189
12.55562
13.44887
14.44166
15.33399
16.22586
17.11728
18.00824
18.99874
19.88880
20.77841
21.66757
22.55629
23.44456
24.33240
25.11980
26.00677
26.99330
27.77941
32.88710
36.11722
42.55803
44.11428
45.66897
47.99814
51.77256
60.33395
62.44136
68.44530
72.33313
76.00952
78.55426
83.22934
90.00735
96.44596
102.44747
139.55808
166.77916
181.77476
A/G G
Gradient
Uniform Series
0.99001
2.96004
5.90 11
9.80226
14.65552
20.44493
27.17755
34.82244
43.38865
52.85526
63.21136
74.46602
86.58835
99.57743
113.42238
128.12231
143.66634
160.03360
177.23322
195.24434
214.06611
233.67768
254.08820
275.26686
297.22281
319.95523
343.43332
367.66625
392.63324
557.55598
681.33347
959.9 188
1035 .70
1113 .82
1235 .27
1448 .65
2012 .35
2163 .75
2640 .66
2976 .08
3324 .18
3562 .79
4054 .37
4823 .51
5624 .59
6451 .31
134116
214003
275888
0.44988
0.99967
1.44938
1.99900
2.44855
2.99801
3.44738
3.99668
4.44589
4.99501
5.44406
5.99302
6.44190
6.99069
7.33940
7.8803
8.33658
8.8504
9.33342
9.8172
10.2993
10.7806
11.2611
11.7407
12.2195
12.6975
13.1747
13.6510
14.1265
16.9621
18.8359
22.5437
23.4624
24.3778
25.7447
28.0064
33.3504
34.6679
38.5763
41.1451
43.6845
45.3613
48.6758
53.5508
58.3103
62.9551
96.1131
1288.3236
1511.7949
Interest F
Factor Tables
0.75
5%
T AB L E
3 Discrete Cash
h Flow: Compo
ound Interest F
Factors
Single Pay
yments
0.75%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
P/G Gradient
Present
Worth
Sin
nking
Fund
F
Compou
und
Amou
unt
Capital
Recovery
y
Present
Worth
Present Worth
Compound
Amount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
55
60
72
75
84
90
96
100
108
120
132
144
240
360
480
1.0075
1.0151
1.0227
1.0303
1.0381
1.0459
1.0537
1.0616
1.0696
1.0776
1.0857
1.0938
1.1020
1.1103
1.1186
1.1270
1.1354
1.1440
1.1525
1.1612
1.1699
1.1787
1.1875
1.1964
1.2054
1.2144
1.2235
1.2327
1.2420
1.2513
1.3086
1.3483
1.4314
1.4530
1.4748
1.5083
1.5657
1.7126
1.7514
1.8732
1.9591
2.0489
2.1111
2.2411
2.4514
2.6813
2.9328
6.0092
14.7306
36.1099
0.9926
0.9852
0.9778
0.9706
0.9633
0.9562
0.9490
0.9420
0.9350
0.9280
0.9211
0.9142
0.9074
0.9007
0.8940
0.8873
0.8807
0.8742
0.8676
0.8612
0.8548
0.8484
0.8421
0.8358
0.8296
0.8234
0.8173
0.8112
0.8052
0.7992
0.7641
0.7416
0.6986
0.6883
0.6780
0.6630
0.6387
0.5839
0.5710
0.5338
0.5104
0.4881
0.4737
0.4462
0.4079
0.3730
0.3410
0.1664
0.0679
0.0277
1.0
00000
0.4
49813
0.3
33085
0.2
24721
0.1
19702
0.1
16357
0.1
13967
0.1
12176
0.1
10782
0.0
09667
0.0
08755
0.0
07995
0.0
07352
0.0
06801
0.0
06324
0.0
05906
0.0
05537
0.0
05210
0.0
04917
0.0
04653
0.0
04415
0.0
04198
0.0
04000
0.0
03818
0.0
03652
0.0
03498
0.0
03355
0.0
03223
0.0
03100
0.0
02985
0.0
02430
0.0
02153
0.0
01739
0.0
01656
0.0
01580
0.0
01476
0.0
01326
0.0
01053
0.0
00998
0.0
00859
0.0
00782
0.0
00715
0.0
00675
0.0
00604
0.0
00517
0.0
00446
0.0
00388
0.0
00150
0.0
00055
0.0
00021
1.0000
2.0075
3.0226
4.0452
5.0756
6.1136
7.1595
8.2132
9.2748
10.344
43
11.421
19
12.507
76
13.601
14
14.703
34
15.813
37
16.932
23
18.059
93
19.194
47
20.338
87
21.491
12
22.652
24
23.822
23
25.001
10
26.188
85
27.384
49
28.590
03
29.804
47
31.028
82
32.260
09
33.502
29
41.152
27
46.446
65
57.520
07
60.394
43
63.311
11
67.768
88
75.424
41
95.007
70
100.1833
116.4269
127.8790
139.8562
148.1445
165.4832
193.5143
224.1748
257.7116
667.8869
1830.7
74
4681.3
32
1.00750
0.50563
0.33835
0.25471
0.20452
0.17107
0.14717
0.12926
0.11532
0.10417
0.09505
0.08745
0.08102
0.07551
0.07074
0.06656
0.06287
0.05960
0.05667
0.05403
0.05165
0.04948
0.04750
0.04568
0.04402
0.04248
0.04105
0.03973
0.03850
0.03735
0.03180
0.02903
0.02489
0.02406
0.02330
0.02226
0.02076
0.01803
0.01748
0.01609
0.01532
0.01465
0.01425
0.01354
0.01267
0.01196
0.01138
0.00900
0.00805
0.00771
0.9926
1.9777
2.9556
3.9261
4.8894
5.8456
6.7946
7.7366
8.6716
9.5996
10.5207
11.4349
12.3423
13.2430
14.1370
15.0243
15.9050
16.7792
17.6468
18.5080
19.3628
20.2112
21.0533
21.8891
22.7188
23.5422
24.3595
25.1707
25.9759
26.7751
31.4468
34.4469
40.1848
41.5664
42.9276
44.9316
48.1734
55.4768
57.2027
62.1540
65.2746
68.2584
70.1746
73.8394
78.9417
83.6064
87.8711
111.1450
124.2819
129.6409
A/G Gradientt
Uniform Series
s
0.9852
2.9408
5.8525
9.7058
14.4866
20.1808
26.7747
34.2544
42.6064
51.8174
61.8740
72.7632
84.4720
96.9876
110.2973
124.3887
139.2494
154.8671
171.2297
188.3253
206.1420
224.6682
243.8923
263.8029
284.3888
305.6387
327.5416
350.0867
373.2631
524.9924
637.4693
886.8404
953.8486
1022.59
1128.79
1313.52
1791.25
1917.22
2308.13
2578.00
2853.94
3040.75
3419.90
3998.56
4583.57
5169.58
9494.12
13312
15513
0.4981
0.9950
1.4907
1.9851
2.4782
2.9701
3.4608
3.9502
4.4384
4.9253
5.4110
5.8954
6.3786
6.8606
7.3413
7.8207
8.2989
8.7759
9.2516
9.7261
10.1994
10.6714
11.1422
11.6117
12.0800
12.5470
13.0128
13.4774
13.9407
16.6946
18.5058
22.0691
22.9476
23.8211
25.1223
27.2665
32.2882
33.5163
37.1357
39.4946
41.8107
43.3311
46.3154
50.6521
54.8232
58.8314
85.4210
107.1145
119.6620
390
391
Interest F
Factor Tables
1%
T AB
BLE
Single Payments
1%

P
Arithmetic Gradientts
F/P
P/F
A/F
F/A
A/P
P//A
P/G Graadient
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
Present Worth
Comp
pound
Amo
ount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
55
60
72
75
84
90
96
100
108
120
132
144
240
360
480
1.0
0100
1.0
0201
1.0
0303
1.0
0406
1.0
0510
1.0
0615
1.0
0721
1.0
0829
1.0
0937
1.1046
1.1157
1.1268
1.1381
1.1495
1.1610
1.1726
1.1843
1.1961
1.2
2081
1.2
2202
1.2
2324
1.2
2447
1.2
2572
1.2
2697
1.2
2824
1.2
2953
1.3
3082
1.3
3213
1.3
3345
1.3
3478
1.4
4308
1.4
4889
1.6
6122
1.6
6446
1.6
6777
1.7
7285
1.8
8167
2.0
0471
2.1091
2.3
3067
2.4
4486
2.5
5993
2.7
7048
2.9
9289
3.3
3004
3.7
7190
4.1906
10.8
8926
35.9
9496
118..6477
0.9901
0.9803
3
0.9706
6
0.9610
0
0.9515
5
0.9420
0
0.9327
7
0.9235
5
0.9143
3
0.9053
3
0.8963
3
0.8874
4
0.8787
7
0.8700
0
0.8613
3
0.8528
8
0.8444
4
0.8360
0
0.8277
7
0.8195
5
0.8114
4
0.8034
4
0.7954
4
0.7876
6
0.7798
8
0.7720
0
0.7644
4
0.7568
8
0.7493
3
0.7419
9
0.6989
9
0.6717
7
0.6203
3
0.6080
0
0.5961
0.5785
5
0.5504
4
0.4885
5
0.4741
0.4335
5
0.4084
4
0.3847
7
0.3697
7
0.3414
4
0.3030
0
0.2689
9
0.2386
6
0.0918
8
0.0278
8
0.0084
4
1.00000
0.49751
0.33002
0.24628
0.19604
0.16255
0.13863
0.12069
0.10674
0.09558
0.08645
0.07885
0.07241
0.06690
0.06212
0.05794
0.05426
0.05098
0.04805
0.04542
0.04303
0.04086
0.03889
0.03707
0.03541
0.03387
0.03245
0.03112
0.02990
0.02875
0.02321
0.02046
0.01633
0.01551
0.01476
0.01373
0.01224
0.00955
0.00902
0.00765
0.00690
0.00625
0.00587
0.00518
0.00435
0.00368
0.00313
0.00101
0.00029
0.00008
1.0000
2.0100
3.0301
4.0604
5.1010
6.1520
7.2135
8.2857
9.3685
10.4622
11.5668
12.6825
13.8093
14.9474
16.0969
17.2579
18.4304
19.6147
20.8109
22.0190
23.2392
24.4716
25.7163
26.9735
28.2432
29.5256
30.8209
32.1291
33.4504
34.7849
43.0769
48.8864
61.2226
64.4632
67.7689
72.8525
81.6697
104.7099
110.9128
130.6723
144.8633
159.9273
170.4814
192.8926
230.0387
271.8959
319.0616
989.2554
3494.96
11765
1.01000
0.50751
0.34002
0.25628
0.20604
0.17255
0.14863
0.13069
0.11674
0.10558
0.09645
0.08885
0.08241
0.07690
0.07212
0.06794
0.06426
0.06098
0.05805
0.05542
0.05303
0.05086
0.04889
0.04707
0.04541
0.04387
0.04245
0.04112
0.03990
0.03875
0.03321
0.03046
0.02633
0.02551
0.02476
0.02373
0.02224
0.01955
0.01902
0.01765
0.01690
0.01625
0.01587
0.01518
0.01435
0.01368
0.01313
0.01101
0.01029
0.01008
0.99901
1.97704
2.94410
3.90020
4.85534
5.79955
6.72282
7.65517
8.56660
9.47713
10.33676
11.22551
12.11337
13.00037
13.88651
14.77179
15.55623
16.33983
17.22260
18.00456
18.88570
19.66604
20.44558
21.22434
22.00232
22.77952
23.55596
24.33164
25.00658
25.88077
30.11075
32.88347
37.99740
39.11961
40.33942
42.11472
44.99550
51.11504
52.55871
56.66485
59.11609
61.55277
63.00289
65.88578
69.77005
73.11108
76.11372
90.88194
97.22183
99.11572
A/G G
Gradient
Uniform
m Series
0.98003
2.92 15
5.80444
9.61003
14.32205
19.91168
26.38812
33.69959
41.84435
50.80067
60.56687
71.11126
82.42221
94.48810
107.27734
120.78834
134.99957
149.89950
165.46664
181.69950
198.56663
216.06660
234.18800
252.89945
272.19957
292.07702
312.50047
333.48863
355.00021
494.62207
596.85561
820.14460
879.4 176
939.9 175
1032..81
1192..81
1597..87
1702..73
2023..32
2240..57
2459..43
2605..78
2898..42
3334..11
3761..69
4177..47
6878..60
8720..43
9511..16
0.44975
0.99934
1.44876
1.99801
2.44710
2.99602
3.44478
3.99337
4.44179
4.99005
5.33815
5.88607
6.33384
6.88143
7.22886
7.77613
8.22323
8.77017
9.1694
9.66354
10.0998
10.5626
11.0237
11.4831
11.9409
12.3971
12.8516
13.3044
13.7557
16.4285
18.1776
21.5976
22.4363
23.2686
24.5049
26.5333
31.2386
32.3793
35.7170
37.8724
39.9727
41.3426
44.0103
47.8349
51.4520
54.8676
75.7393
89.6995
95.9200
Interest F
Factor Tables
1.25
5%
T AB L E
5 Discrete Cash
h Flow: Compo
ound Interest F
Factors
Single Pay
yments
1.25%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
Compound
Amount
Present
Worth
Sinking
Fund
F
Compou
und
Amou
unt
Capital
Recovery
y
Present
Worth
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
55
60
72
75
84
90
96
100
108
120
132
144
240
360
480
1.0125
1.0252
1.0380
1.0509
1.0641
1.0774
1.0909
1.1045
1.1183
1.1323
1.1464
1.1608
1.1753
1.1900
1.2048
1.2199
1.2351
1.2506
1.2662
1.2820
1.2981
1.3143
1.3307
1.3474
1.3642
1.3812
1.3985
1.4160
1.4337
1.4516
1.5639
1.6436
1.8154
1.8610
1.9078
1.9803
2.1072
2.4459
2.5388
2.8391
3.0588
3.2955
3.4634
3.8253
4.4402
5.1540
5.9825
19.7155
87.5410
388.7007
0.9877
0.9755
0.9634
0.9515
0.9398
0.9282
0.9167
0.9054
0.8942
0.8832
0.8723
0.8615
0.8509
0.8404
0.8300
0.8197
0.8096
0.7996
0.7898
0.7800
0.7704
0.7609
0.7515
0.7422
0.7330
0.7240
0.7150
0.7062
0.6975
0.6889
0.6394
0.6084
0.5509
0.5373
0.5242
0.5050
0.4746
0.4088
0.3939
0.3522
0.3269
0.3034
0.2887
0.2614
0.2252
0.1940
0.1672
0.0507
0.0114
0.0026
1.0
00000
0.4
49680
0.3
32920
0.2
24536
0.1
19506
0.1
16153
0.1
13759
0.1
11963
0.1
10567
0.0
09450
0.0
08537
0.0
07776
0.0
07132
0.0
06581
0.0
06103
0.0
05685
0.0
05316
0.0
04988
0.0
04696
0.0
04432
0.0
04194
0.0
03977
0.0
03780
0.0
03599
0.0
03432
0.0
03279
0.0
03137
0.0
03005
0.0
02882
0.0
02768
0.0
02217
0.0
01942
0.0
01533
0.0
01452
0.0
01377
0.0
01275
0.0
01129
0.0
00865
0.0
00812
0.0
00680
0.0
00607
0.0
00545
0.0
00507
0.0
00442
0.0
00363
0.0
00301
0.0
00251
0.0
00067
0.0
00014
0.0
00003
1.0000
2.0125
3.0377
4.0756
5.1266
6.1907
7.2680
8.3589
9.4634
10.581
17
11.713
39
12.860
04
14.021
11
15.196
64
16.386
63
17.591
12
18.811
11
20.046
62
21.296
68
22.563
30
23.845
50
25.143
31
26.457
74
27.788
81
29.135
54
30.499
96
31.880
09
33.279
94
34.695
54
36.129
91
45.115
55
51.489
96
65.228
84
68.881
18
72.627
71
78.422
25
88.574
45
115.6736
123.10
035
147.1290
164.70
050
183.64
411
197.0723
226.0226
275.2171
332.3198
398.60
021
1497.2
24
6923.2
28
31016
6
1.01250
0.50939
0.34170
0.25786
0.20756
0.17403
0.15009
0.13213
0.11817
0.10700
0.09787
0.09026
0.08382
0.07831
0.07353
0.06935
0.06566
0.06238
0.05946
0.05682
0.05444
0.05227
0.05030
0.04849
0.04682
0.04529
0.04387
0.04255
0.04132
0.04018
0.03467
0.03192
0.02783
0.02702
0.02627
0.02525
0.02379
0.02115
0.02062
0.01930
0.01857
0.01795
0.01757
0.01692
0.01613
0.01551
0.01501
0.01317
0.01264
0.01253
0.9877
1.9631
2.9265
3.8781
4.8178
5.7460
6.6627
7.5681
8.4623
9.3455
10.2178
11.0793
11.9302
12.7706
13.6005
14.4203
15.2299
16.0295
16.8193
17.5993
18.3697
19.1306
19.8820
20.6242
21.3573
22.0813
22.7963
23.5025
24.2000
24.8889
28.8473
31.3269
35.9315
37.0129
38.0677
39.6017
42.0346
47.2925
48.4890
51.8222
53.8461
55.7246
56.9013
59.0865
61.9828
64.4781
66.6277
75.9423
79.0861
79.7942
P/G Gradient
Present Worth
A/G Gradientt
Uniform Series
s
0.9755
2.9023
5.7569
9.5160
14.1569
19.6571
25.9949
33.1487
41.0973
49.8201
59.2967
69.5072
80.4320
92.0519
104.3481
117.3021
130.8958
145.1115
159.9316
175.3392
191.3174
207.8499
224.9204
242.5132
260.6128
279.2040
298.2719
317.8019
337.7797
466.2830
559.2320
759.2296
811.6738
864.9409
946.2277
1084.84
1428.46
1515.79
1778.84
1953.83
2127.52
2242.24
2468.26
2796.57
3109.35
3404.61
5101.53
5997.90
6284.74
0.4969
0.9917
1.4845
1.9752
2.4638
2.9503
3.4348
3.9172
4.3975
4.8758
5.3520
5.8262
6.2982
6.7682
7.2362
7.7021
8.1659
8.6277
9.0874
9.5450
10.0006
10.4542
10.9056
11.3551
11.8024
12.2478
12.6911
13.1323
13.5715
16.1639
17.8515
21.1299
21.9295
22.7211
23.8936
25.8083
30.2047
31.2605
34.3258
36.2855
38.1793
39.4058
41.7737
45.1184
48.2234
51.0990
67.1764
75.8401
78.7619
392
393
Interest F
Factor Tables
1.5%
T AB
BLE
Single Payments
1.5%

P
F/P
P/F
A/F
F/A
A/P
P//A
P/G Graadient
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
Present Worth
Comp
pound
Amo
ount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
55
60
72
75
84
90
96
100
108
120
132
144
240
360
480
1.0
0150
1.0
0302
1.0
0457
1.0
0614
1.0
0773
1.0
0934
1.1098
1.1265
1.1434
1.1605
1.1779
1.1956
1.2
2136
1.2
2318
1.2
2502
1.2
2690
1.2
2880
1.3
3073
1.3
3270
1.3
3469
1.3
3671
1.3
3876
1.4
4084
1.4
4295
1.4
4509
1.4
4727
1.4
4948
1.5
5172
1.5
5400
1.5
5631
1.7
7091
1.8
8140
2.0
0435
2.1052
2.1689
2.2
2679
2.4
4432
2.9
9212
3.0
0546
3.4
4926
3.8
8189
4.1758
4.4
4320
4.9
9927
5.9
9693
7.1370
8.5
5332
35.6
6328
212..7038
126
69.70
0.9852
2
0.9707
7
0.9563
3
0.9422
2
0.9283
3
0.9145
5
0.9010
0
0.8877
7
0.8746
6
0.8617
7
0.8489
9
0.8364
4
0.8240
0
0.8118
8
0.7999
9
0.7880
0
0.7764
4
0.7649
9
0.7536
6
0.7425
5
0.7315
5
0.7207
7
0.7100
0
0.6995
5
0.6892
2
0.6790
0
0.6690
0
0.6591
0.6494
4
0.6398
8
0.5851
0.5513
3
0.4894
4
0.4750
0
0.4611
0.4409
9
0.4093
3
0.3423
3
0.3274
4
0.2863
3
0.2619
9
0.2395
5
0.2256
6
0.2003
3
0.1675
5
0.1401
0.1172
2
0.0281
0.0047
7
0.0008
8
1.00000
0.49628
0.32838
0.24444
0.19409
0.16053
0.13656
0.11858
0.10461
0.09343
0.08429
0.07668
0.07024
0.06472
0.05994
0.05577
0.05208
0.04881
0.04588
0.04325
0.04087
0.03870
0.03673
0.03492
0.03326
0.03173
0.03032
0.02900
0.02778
0.02664
0.02115
0.01843
0.01437
0.01357
0.01283
0.01183
0.01039
0.00781
0.00730
0.00602
0.00532
0.00472
0.00437
0.00376
0.00302
0.00244
0.00199
0.00043
0.00007
0.00001
1.0000
2.0150
3.0452
4.0909
5.1523
6.2296
7.3230
8.4328
9.5593
10.7027
11.8633
13.0412
14.2368
15.4504
16.6821
17.9324
19.2014
20.4894
21.7967
23.1237
24.4705
25.8376
27.2251
28.6335
30.0630
31.5140
32.9867
34.4815
35.9987
37.5387
47.2760
54.2679
69.5652
73.6828
77.9249
84.5296
96.2147
128.0772
136.9728
166.1726
187.9299
211.7202
228.8030
266.1778
331.2882
409.1354
502.2109
2308.85
14114
84580
1.01500
0.51128
0.34338
0.25944
0.20909
0.17553
0.15156
0.13358
0.11961
0.10843
0.09929
0.09168
0.08524
0.07972
0.07494
0.07077
0.06708
0.06381
0.06088
0.05825
0.05587
0.05370
0.05173
0.04992
0.04826
0.04673
0.04532
0.04400
0.04278
0.04164
0.03615
0.03343
0.02937
0.02857
0.02783
0.02683
0.02539
0.02281
0.02230
0.02102
0.02032
0.01972
0.01937
0.01876
0.01802
0.01744
0.01699
0.01543
0.01507
0.01501
0.98852
1.95559
2.9 122
3.85544
4.78826
5.69972
6.59982
7.48859
8.36605
9.22222
10.00711
10.99075
11.77315
12.55434
13.33432
14.11313
14.99076
15.66726
16.44262
17.11686
17.99001
18.66208
19.33309
20.00304
20.77196
21.33986
22.00676
22.77267
23.33761
24.00158
27.66607
29.99158
34.00426
34.99997
35.99287
37.22715
39.33803
43.88447
44.88416
47.55786
49.22099
50.77017
51.66247
53.33137
55.44985
57.33257
58.88540
64.77957
66.33532
66.66142
A/G G
Gradient
Uniform
m Series
0.97007
2.88333
5.70998
9.42229
13.99956
19.40018
25.61157
32.61125
40.36675
48.85568
58.05571
67.94454
78.49994
89.69974
101.5 178
113.94400
126.94435
140.50084
154.6 154
169.24453
184.37798
200.00006
216.09901
232.63310
249.60065
267.00002
284.79958
302.97779
321.53310
439.83303
524.35568
703.54462
749.96636
796.87774
868.02285
988.16674
1279..79
1352..56
1568..51
1709..54
1847..47
1937..45
2112..13
2359..71
2588..71
2798..58
3870..69
4310..72
4415..74
0.44963
0.99901
1.44814
1.99702
2.44566
2.99405
3.44219
3.99008
4.33772
4.88512
5.33227
5.77917
6.22582
6.77223
7.1839
7.66431
8.00997
8.55539
9.00057
9.44550
9.99018
10.3462
10.7881
11.2276
11.6646
12.0992
12.5313
12.9610
13.3883
15.9009
17.5277
20.6667
21.4277
22.1794
23.2894
25.0930
29.1893
30.1631
32.9668
34.7399
36.4381
37.5295
39.6171
42.5185
45.1579
47.5512
59.7368
64.9662
66.2883
Interest F
Factor Tables
2%
T AB L E
7 Discrete Cash
h Flow: Compo
ound Interest F
Factors
Single Pay
yments
2%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
P/G Gradient
Present
Worth
Sin
nking
Fund
F
Compou
und
Amount
Capital
Recovery
y
Present
Worth
Present Worth
Compound
Amount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
36
40
48
50
52
55
60
72
75
84
90
96
100
108
120
132
144
240
360
480
1.0200
1.0404
1.0612
1.0824
1.1041
1.1262
1.1487
1.1717
1.1951
1.2190
1.2434
1.2682
1.2936
1.3195
1.3459
1.3728
1.4002
1.4282
1.4568
1.4859
1.5157
1.5460
1.5769
1.6084
1.6406
1.6734
1.7069
1.7410
1.7758
1.8114
2.0399
2.2080
2.5871
2.6916
2.8003
2.9717
3.2810
4.1611
4.4158
5.2773
5.9431
6.6929
7.2446
8.4883
10.7652
13.6528
17.3151
115.8887
1247.56
13430
0.9804
0.9612
0.9423
0.9238
0.9057
0.8880
0.8706
0.8535
0.8368
0.8203
0.8043
0.7885
0.7730
0.7579
0.7430
0.7284
0.7142
0.7002
0.6864
0.6730
0.6598
0.6468
0.6342
0.6217
0.6095
0.5976
0.5859
0.5744
0.5631
0.5521
0.4902
0.4529
0.3865
0.3715
0.3571
0.3365
0.3048
0.2403
0.2265
0.1895
0.1683
0.1494
0.1380
0.1178
0.0929
0.0732
0.0578
0.0086
0.0008
0.0001
1.0
00000
0.4
49505
0.3
32675
0.2
24262
0.1
19216
0.1
15853
0.1
13451
0.1
11651
0.1
10252
0.0
09133
0.0
08218
0.0
07456
0.0
06812
0.0
06260
0.0
05783
0.0
05365
0.0
04997
0.0
04670
0.0
04378
0.0
04116
0.0
03878
0.0
03663
0.0
03467
0.0
03287
0.0
03122
0.0
02970
0.0
02829
0.0
02699
0.0
02578
0.0
02465
0.0
01923
0.0
01656
0.0
01260
0.0
01182
0.0
01111
0.0
01014
0.0
00877
0.0
00633
0.0
00586
0.0
00468
0.0
00405
0.0
00351
0.0
00320
0.0
00267
0.0
00205
0.0
00158
0.0
00123
0.0
00017
0.0
00002
1.0000
2.0200
3.0604
4.1216
5.2040
6.3081
7.4343
8.5830
9.7546
10.949
97
12.168
87
13.412
21
14.680
03
15.973
39
17.293
34
18.639
93
20.012
21
21.412
23
22.840
06
24.297
74
25.783
33
27.299
90
28.845
50
30.421
19
32.030
03
33.670
09
35.344
43
37.051
12
38.792
22
40.568
81
51.994
44
60.402
20
79.353
35
84.579
94
90.016
64
98.586
65
114.0515
158.0570
170.7918
213.8666
247.1567
284.6467
312.2323
374.4129
488.2582
632.6415
815.7545
5744.4
44
62328
8
1.02000
0.51505
0.34675
0.26262
0.21216
0.17853
0.15451
0.13651
0.12252
0.11133
0.10218
0.09456
0.08812
0.08260
0.07783
0.07365
0.06997
0.06670
0.06378
0.06116
0.05878
0.05663
0.05467
0.05287
0.05122
0.04970
0.04829
0.04699
0.04578
0.04465
0.03923
0.03656
0.03260
0.03182
0.03111
0.03014
0.02877
0.02633
0.02586
0.02468
0.02405
0.02351
0.02320
0.02267
0.02205
0.02158
0.02123
0.02017
0.02002
0.02000
0.9804
1.9416
2.8839
3.8077
4.7135
5.6014
6.4720
7.3255
8.1622
8.9826
9.7868
10.5753
11.3484
12.1062
12.8493
13.5777
14.2919
14.9920
15.6785
16.3514
17.0112
17.6580
18.2922
18.9139
19.5235
20.1210
20.7069
21.2813
21.8444
22.3965
25.4888
27.3555
30.6731
31.4236
32.1449
33.1748
34.7609
37.9841
38.6771
40.5255
41.5869
42.5294
43.0984
44.1095
45.3554
46.3378
47.1123
49.5686
49.9599
49.9963
A/G Gradientt
Uniform Series
s
0.9612
2.8458
5.6173
9.2403
13.6801
18.9035
24.8779
31.5720
38.9551
46.9977
55.6712
64.9475
74.7999
85.2021
96.1288
107.5554
119.4581
131.8139
144.6003
157.7959
171.3795
185.3309
199.6305
214.2592
229.1987
244.4311
259.9392
275.7064
291.7164
392.0405
461.9931
605.9657
642.3606
678.7849
733.3527
823.6975
1034.06
1084.64
1230.42
1322.17
1409.30
1464.75
1569.30
1710.42
1833.47
1939.79
2374.88
2482.57
2498.03
0.4950
0.9868
1.4752
1.9604
2.4423
2.9208
3.3961
3.8681
4.3367
4.8021
5.2642
5.7231
6.1786
6.6309
7.0799
7.5256
7.9681
8.4073
8.8433
9.2760
9.7055
10.1317
10.5547
10.9745
11.3910
11.8043
12.2145
12.6214
13.0251
15.3809
16.8885
19.7556
20.4420
21.1164
22.1057
23.6961
27.2234
28.0434
30.3616
31.7929
33.1370
33.9863
35.5774
37.7114
39.5676
41.1738
47.9110
49.7112
49.9643
394
395
Interest F
Factor Tables
3%
T AB
BLE
Single Payments
3%

P
F/P
P/F
A/F
F/A
A/P
P//A
P/G Graadient
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
Present Worth
Comp
pound
Amo
ount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
84
85
90
96
108
120
1.0
0300
1.0
0609
1.0
0927
1.1255
1.1593
1.1941
1.2
2299
1.2
2668
1.3
3048
1.3
3439
1.3
3842
1.4
4258
1.4
4685
1.5
5126
1.5
5580
1.6
6047
1.6
6528
1.7
7024
1.7
7535
1.8
8061
1.8
8603
1.9
9161
1.9
9736
2.0
0328
2.0
0938
2.1566
2.2
2213
2.2
2879
2.3
3566
2.4
4273
2.5
5001
2.5
5751
2.6
6523
2.7
7319
2.8
8139
3.2
2620
3.7
7816
4.3
3839
5.0
0821
5.8
8916
6.8
8300
7.9
9178
9.1789
10.6
6409
11.9
9764
12.3
3357
14.3
3005
17.0
0755
24.3
3456
34.7
7110
0.9709
9
0.9426
6
0.9151
0.8885
5
0.8626
6
0.8375
5
0.8131
0.7894
4
0.7664
4
0.7441
0.7224
4
0.7014
4
0.6810
0
0.6611
0.6419
9
0.6232
2
0.6050
0
0.5874
4
0.5703
3
0.5537
7
0.5375
5
0.5219
9
0.5067
7
0.4919
9
0.4776
6
0.4637
7
0.4502
2
0.4371
0.4243
3
0.4120
0
0.4000
0
0.3883
3
0.3770
0
0.3660
0
0.3554
4
0.3066
6
0.2644
4
0.2281
0.1968
8
0.1697
7
0.1464
4
0.1263
3
0.1089
9
0.0940
0
0.0835
5
0.0811
0.0699
9
0.0586
6
0.0411
0.0288
8
1.00000
0.49261
0.32353
0.23903
0.18835
0.15460
0.13051
0.11246
0.09843
0.08723
0.07808
0.07046
0.06403
0.05853
0.05377
0.04961
0.04595
0.04271
0.03981
0.03722
0.03487
0.03275
0.03081
0.02905
0.02743
0.02594
0.02456
0.02329
0.02211
0.02102
0.02000
0.01905
0.01816
0.01732
0.01654
0.01326
0.01079
0.00887
0.00735
0.00613
0.00515
0.00434
0.00367
0.00311
0.00273
0.00265
0.00226
0.00187
0.00129
0.00089
1.0000
2.0300
3.0909
4.1836
5.3091
6.4684
7.6625
8.8923
10.1591
11.4639
12.8078
14.1920
15.6178
17.0863
18.5989
20.1569
21.7616
23.4144
25.1169
26.8704
28.6765
30.5368
32.4529
34.4265
36.4593
38.5530
40.7096
42.9309
45.2189
47.5754
50.0027
52.5028
55.0778
57.7302
60.4621
75.4013
92.7199
112.7969
136.0716
163.0534
194.3328
230.5941
272.6309
321.3630
365.8805
377.8570
443.3489
535.8502
778.1863
1123.70
1.03000
0.52261
0.35353
0.26903
0.21835
0.18460
0.16051
0.14246
0.12843
0.11723
0.10808
0.10046
0.09403
0.08853
0.08377
0.07961
0.07595
0.07271
0.06981
0.06722
0.06487
0.06275
0.06081
0.05905
0.05743
0.05594
0.05456
0.05329
0.05211
0.05102
0.05000
0.04905
0.04816
0.04732
0.04654
0.04326
0.04079
0.03887
0.03735
0.03613
0.03515
0.03434
0.03367
0.03311
0.03273
0.03265
0.03226
0.03187
0.03129
0.03089
0.97709
1.9 135
2.82286
3.7 171
4.57797
5.4 172
6.23303
7.0 197
7.78861
8.53302
9.25526
9.95540
10.66350
11.22961
11.99379
12.55611
13.11661
13.77535
14.33238
14.88775
15.44150
15.99369
16.44436
16.99355
17.44131
17.88768
18.33270
18.77641
19.11885
19.66004
20.00004
20.33888
20.77658
21.11318
21.44872
23.11148
24.55187
25.77298
26.77744
27.66756
28.44529
29.11234
29.77018
30.22008
30.55501
30.66312
31.00024
31.33812
31.99642
32.33730
A/G G
Gradient
Uniform
m Series
0.94226
2.77229
5.43883
8.88888
13.07762
17.95547
23.48806
29.61119
36.30088
43.53330
51.24482
59.41196
68.01141
77.00002
86.34477
96.02280
106.0 137
116.27788
126.79987
137.54496
148.50094
159.65566
170.97711
182.43336
194.02260
205.73309
217.53320
229.4 137
241.36613
253.36609
265.39993
277.46642
289.54437
301.62267
361.74499
420.63325
477.48803
531.74411
583.05526
631.20010
676.08869
717.69978
756.08865
784.54434
791.35529
823.63302
858.63377
917.60013
963.86635
0.44926
0.99803
1.44631
1.99409
2.44138
2.88819
3.33450
3.88032
4.22565
4.77049
5.1485
5.55872
6.00210
6.44500
6.88742
7.22936
7.77081
8.1179
8.55229
8.99231
9.33186
9.77093
10.0954
10.4768
10.8535
11.2255
11.5930
11.9558
12.3141
12.6678
13.0169
13.3616
13.7018
14.0375
15.6502
17.1556
18.5575
19.8600
21.0674
22.1841
23.2145
24.1634
255.0353
255.6806
255.8349
266.5667
277.3615
288.7072
29.7737
Interest F
Factor Tables
4%
T AB L E
9 Discrete Cash
h Flow: Compo
ound Interest F
Factors
Single Pay
yments
4%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
Compound
Amount
Present
Worth
Sin
nking
Fund
F
Compou
und
Amount
Capital
Recovery
y
Present
Worth
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
96
108
120
144
1.0400
1.0816
1.1249
1.1699
1.2167
1.2653
1.3159
1.3686
1.4233
1.4802
1.5395
1.6010
1.6651
1.7317
1.8009
1.8730
1.9479
2.0258
2.1068
2.1911
2.2788
2.3699
2.4647
2.5633
2.6658
2.7725
2.8834
2.9987
3.1187
3.2434
3.3731
3.5081
3.6484
3.7943
3.9461
4.8010
5.8412
7.1067
8.6464
10.5196
12.7987
15.5716
18.9453
23.0498
28.0436
34.1193
43.1718
69.1195
110.6626
283.6618
0.9615
0.9246
0.8890
0.8548
0.8219
0.7903
0.7599
0.7307
0.7026
0.6756
0.6496
0.6246
0.6006
0.5775
0.5553
0.5339
0.5134
0.4936
0.4746
0.4564
0.4388
0.4220
0.4057
0.3901
0.3751
0.3607
0.3468
0.3335
0.3207
0.3083
0.2965
0.2851
0.2741
0.2636
0.2534
0.2083
0.1712
0.1407
0.1157
0.0951
0.0781
0.0642
0.0528
0.0434
0.0357
0.0293
0.0232
0.0145
0.0090
0.0035
1.0
00000
0.4
49020
0.3
32035
0.2
23549
0.1
18463
0.1
15076
0.1
12661
0.1
10853
0.0
09449
0.0
08329
0.0
07415
0.0
06655
0.0
06014
0.0
05467
0.0
04994
0.0
04582
0.0
04220
0.0
03899
0.0
03614
0.0
03358
0.0
03128
0.0
02920
0.0
02731
0.0
02559
0.0
02401
0.0
02257
0.0
02124
0.0
02001
0.0
01888
0.0
01783
0.0
01686
0.0
01595
0.0
01510
0.0
01431
0.0
01358
0.0
01052
0.0
00826
0.0
00655
0.0
00523
0.0
00420
0.0
00339
0.0
00275
0.0
00223
0.0
00181
0.0
00148
0.0
00121
0.0
00095
0.0
00059
0.0
00036
0.0
00014
1.0000
2.0400
3.1216
4.2465
5.4163
6.6330
7.8983
9.2142
10.582
28
12.006
61
13.486
64
15.025
58
16.626
68
18.291
19
20.023
36
21.824
45
23.697
75
25.645
54
27.671
12
29.778
81
31.969
92
34.248
80
36.617
79
39.082
26
41.645
59
44.311
17
47.084
42
49.967
76
52.966
63
56.084
49
59.328
83
62.701
15
66.209
95
69.857
79
73.652
22
95.025
55
121.0294
152.6671
191.1592
237.9907
294.9684
364.2905
448.6314
551.2450
676.0901
827.9833
1054.3
30
1702.9
99
2741.5
56
7066.5
55
1.04000
0.53020
0.36035
0.27549
0.22463
0.19076
0.16661
0.14853
0.13449
0.12329
0.11415
0.10655
0.10014
0.09467
0.08994
0.08582
0.08220
0.07899
0.07614
0.07358
0.07128
0.06920
0.06731
0.06559
0.06401
0.06257
0.06124
0.06001
0.05888
0.05783
0.05686
0.05595
0.05510
0.05431
0.05358
0.05052
0.04826
0.04655
0.04523
0.04420
0.04339
0.04275
0.04223
0.04181
0.04148
0.04121
0.04095
0.04059
0.04036
0.04014
0.9615
1.8861
2.7751
3.6299
4.4518
5.2421
6.0021
6.7327
7.4353
8.1109
8.7605
9.3851
9.9856
10.5631
11.1184
11.6523
12.1657
12.6593
13.1339
13.5903
14.0292
14.4511
14.8568
15.2470
15.6221
15.9828
16.3296
16.6631
16.9837
17.2920
17.5885
17.8736
18.1476
18.4112
18.6646
19.7928
20.7200
21.4822
22.1086
22.6235
23.0467
23.3945
23.6804
23.9154
24.1085
24.2673
24.4209
24.6383
24.7741
24.9119
P/G Gradient
Present Worth
A/G Gradientt
Uniform Series
s
0.9246
2.7025
5.2670
8.5547
12.5062
17.0657
22.1806
27.8013
33.8814
40.3772
47.2477
54.4546
61.9618
69.7355
77.7441
85.9581
94.3498
102.8933
111.5647
120.3414
129.2024
138.1284
147.1012
156.1040
165.1212
174.1385
183.1424
192.1206
201.0618
209.9556
218.7924
227.5634
236.2607
244.8768
286.5303
325.4028
361.1638
393.6890
422.9966
449.2014
472.4789
493.0408
511.1161
526.9384
540.7369
554.9312
576.8949
592.2428
610.1055
0.4902
0.9739
1.4510
1.9216
2.3857
2.8433
3.2944
3.7391
4.1773
4.6090
5.0343
5.4533
5.8659
6.2721
6.6720
7.0656
7.4530
7.8342
8.2091
8.5779
8.9407
9.2973
9.6479
9.9925
10.3312
10.6640
10.9909
11.3120
11.6274
11.9371
12.2411
12.5396
12.8324
13.1198
14.4765
15.7047
16.8122
17.8070
18.6972
19.4909
20.1961
20.8206
21.3718
21.8569
22.2826
22.7236
23.4146
23.9057
24.4906
396
397
Interest F
Factor Tables
5%
10 Discreete Cash Flow:: Compound Innterest Factors
T AB L E
Single Payments
5%

P
F/P
P/F
A/F
F/A
A/P
P//A
P/G Graadient
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
Present Worth
Comp
pound
Amo
ount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
96
98
100
1.0
0500
1.1025
1.1576
1.2
2155
1.2
2763
1.3
3401
1.4
4071
1.4
4775
1.5
5513
1.6
6289
1.7
7103
1.7
7959
1.8
8856
1.9
9799
2.0
0789
2.1829
2.2
2920
2.4
4066
2.5
5270
2.6
6533
2.7
7860
2.9
9253
3.0
0715
3.2
2251
3.3
3864
3.5
5557
3.7
7335
3.9
9201
4.1161
4.3
3219
4.5
5380
4.7
7649
5.0
0032
5.2
2533
5.5
5160
7.0
0400
8.9
9850
11.4
4674
14.6
6356
18.6
6792
23.8
8399
30.4
4264
38.8
8327
49.5
5614
63.2
2544
80.7
7304
103..0347
108..1864
119..2755
131..5013
0.9524
4
0.9070
0
0.8638
8
0.8227
7
0.7835
5
0.7462
2
0.7107
7
0.6768
8
0.6446
6
0.6139
9
0.5847
7
0.5568
8
0.5303
3
0.5051
0.4810
0
0.4581
0.4363
3
0.4155
5
0.3957
7
0.3769
9
0.3589
9
0.3418
8
0.3256
6
0.3101
0.2953
3
0.2812
2
0.2678
8
0.2551
0.2429
9
0.2314
4
0.2204
4
0.2099
9
0.1999
9
0.1904
4
0.1813
3
0.1420
0
0.1113
3
0.0872
2
0.0683
3
0.0535
5
0.0419
9
0.0329
9
0.0258
8
0.0202
2
0.0158
8
0.0124
4
0.0097
7
0.0092
2
0.0084
4
0.0076
6
1.00000
0.48780
0.31721
0.23201
0.18097
0.14702
0.12282
0.10472
0.09069
0.07950
0.07039
0.06283
0.05646
0.05102
0.04634
0.04227
0.03870
0.03555
0.03275
0.03024
0.02800
0.02597
0.02414
0.02247
0.02095
0.01956
0.01829
0.01712
0.01605
0.01505
0.01413
0.01328
0.01249
0.01176
0.01107
0.00828
0.00626
0.00478
0.00367
0.00283
0.00219
0.00170
0.00132
0.00103
0.00080
0.00063
0.00049
0.00047
0.00042
0.00038
1.0000
2.0500
3.1525
4.3101
5.5256
6.8019
8.1420
9.5491
11.0266
12.5779
14.2068
15.9171
17.7130
19.5986
21.5786
23.6575
25.8404
28.1324
30.5390
33.0660
35.7193
38.5052
41.4305
44.5020
47.7271
51.1135
54.6691
58.4026
62.3227
66.4388
70.7608
75.2988
80.0638
85.0670
90.3203
120.7998
159.7002
209.3480
272.7126
353.5837
456.7980
588.5285
756.6537
971.2288
1245.09
1594.61
2040.69
2143.73
2365.51
2610.03
1.05000
0.53780
0.36721
0.28201
0.23097
0.19702
0.17282
0.15472
0.14069
0.12950
0.12039
0.11283
0.10646
0.10102
0.09634
0.09227
0.08870
0.08555
0.08275
0.08024
0.07800
0.07597
0.07414
0.07247
0.07095
0.06956
0.06829
0.06712
0.06605
0.06505
0.06413
0.06328
0.06249
0.06176
0.06107
0.05828
0.05626
0.05478
0.05367
0.05283
0.05219
0.05170
0.05132
0.05103
0.05080
0.05063
0.05049
0.05047
0.05042
0.05038
0.95524
1.85594
2.72232
3.54460
4.32295
5.07757
5.78864
6.46632
7.10078
7.72217
8.30064
8.86633
9.39936
9.89986
10.33797
10.88378
11.22741
11.66896
12.00853
12.44622
12.88212
13.11630
13.44886
13.77986
14.00939
14.33752
14.66430
14.88981
15.11411
15.33725
15.55928
15.88027
16.00025
16.11929
16.33742
17.11591
17.77741
18.22559
18.66335
18.99293
19.11611
19.33427
19.44850
19.55965
19.66838
19.77523
19.88059
19.88151
19.88323
19.88479
A/G G
Gradient
Uniform
m Series
0.90770
2.63447
5.10228
8.23669
11.96680
16.23321
20.97700
26.12268
31.65520
37.49988
43.62241
49.98879
56.55538
63.28880
70.15597
77.14405
84.20043
91.32275
98.48884
105.66673
112.84461
120.00087
127.14402
134.22275
141.25585
148.22226
155.1 101
161.9 126
168.62226
175.23333
181.73392
188.13351
194.4 168
200.58807
229.54452
255.3 145
277.9 148
297.5 104
314.34432
328.69910
340.84409
351.07721
359.64460
366.80007
372.74488
377.67774
378.55555
380.2 139
381.74492
0.44878
0.99675
1.44391
1.99025
2.33579
2.88052
3.22445
3.66758
4.00991
4.55144
4.99219
5.33215
5.77133
6.00973
6.44736
6.88423
7.22034
7.55569
7.99030
8.22416
8.55730
8.88971
9.22140
9.55238
9.88266
10.1224
10.4114
10.6936
10.9691
11.2381
11.5005
11.7566
12.0063
12.2498
13.3775
14.3644
15.2233
15.9664
16.6062
17.1541
17.6212
18.0176
18.3526
18.6346
18.8712
19.0689
19.1044
19.1714
19.2337
Interest F
Factor Tables
6%
11 Discrete Cassh Flow: Comp

pound Interest F
Factors
T AB L E
Single Pay
yments
6%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
P/G Gradient
Present
Worth
Sin
nking
Fund
F
Compou
und
Amount
Capital
Recovery
y
Present
Worth
Present Worth
Compound
Amount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
96
98
100
1.0600
1.1236
1.1910
1.2625
1.3382
1.4185
1.5036
1.5938
1.6895
1.7908
1.8983
2.0122
2.1329
2.2609
2.3966
2.5404
2.6928
2.8543
3.0256
3.2071
3.3996
3.6035
3.8197
4.0489
4.2919
4.5494
4.8223
5.1117
5.4184
5.7435
6.0881
6.4534
6.8406
7.2510
7.6861
10.2857
13.7646
18.4202
24.6503
32.9877
44.1450
59.0759
79.0569
105.7960
141.5789
189.4645
253.5463
268.7590
301.9776
339.3021
0.9434
0.8900
0.8396
0.7921
0.7473
0.7050
0.6651
0.6274
0.5919
0.5584
0.5268
0.4970
0.4688
0.4423
0.4173
0.3936
0.3714
0.3503
0.3305
0.3118
0.2942
0.2775
0.2618
0.2470
0.2330
0.2198
0.2074
0.1956
0.1846
0.1741
0.1643
0.1550
0.1462
0.1379
0.1301
0.0972
0.0727
0.0543
0.0406
0.0303
0.0227
0.0169
0.0126
0.0095
0.0071
0.0053
0.0039
0.0037
0.0033
0.0029
1.0
00000
0.4
48544
0.3
31411
0.2
22859
0.1
17740
0.1
14336
0.1
11914
0.1
10104
0.0
08702
0.0
07587
0.0
06679
0.0
05928
0.0
05296
0.0
04758
0.0
04296
0.0
03895
0.0
03544
0.0
03236
0.0
02962
0.0
02718
0.0
02500
0.0
02305
0.0
02128
0.0
01968
0.0
01823
0.0
01690
0.0
01570
0.0
01459
0.0
01358
0.0
01265
0.0
01179
0.0
01100
0.0
01027
0.0
00960
0.0
00897
0.0
00646
0.0
00470
0.0
00344
0.0
00254
0.0
00188
0.0
00139
0.0
00103
0.0
00077
0.0
00057
0.0
00043
0.0
00032
0.0
00024
0.0
00022
0.0
00020
0.0
00018
1.0000
2.0600
3.1836
4.3746
5.6371
6.9753
8.3938
9.8975
11.491
13
13.180
08
14.971
16
16.869
99
18.882
21
21.015
51
23.276
60
25.672
25
28.212
29
30.905
57
33.760
00
36.785
56
39.992
27
43.392
23
46.995
58
50.815
56
54.864
45
59.156
64
63.705
58
68.528
81
73.639
98
79.058
82
84.801
17
90.889
98
97.343
32
104.1838
111.4348
154.7620
212.7435
290.3359
394.1720
533.1282
719.0829
967.9322
1300.9
95
1746.6
60
2342.9
98
3141.0
08
4209.1
10
4462.6
65
5016.2
29
5638.3
37
1.06000
0.54544
0.37411
0.28859
0.23740
0.20336
0.17914
0.16104
0.14702
0.13587
0.12679
0.11928
0.11296
0.10758
0.10296
0.09895
0.09544
0.09236
0.08962
0.08718
0.08500
0.08305
0.08128
0.07968
0.07823
0.07690
0.07570
0.07459
0.07358
0.07265
0.07179
0.07100
0.07027
0.06960
0.06897
0.06646
0.06470
0.06344
0.06254
0.06188
0.06139
0.06103
0.06077
0.06057
0.06043
0.06032
0.06024
0.06022
0.06020
0.06018
0.9434
1.8334
2.6730
3.4651
4.2124
4.9173
5.5824
6.2098
6.8017
7.3601
7.8869
8.3838
8.8527
9.2950
9.7122
10.1059
10.4773
10.8276
11.1581
11.4699
11.7641
12.0416
12.3034
12.5504
12.7834
13.0032
13.2105
13.4062
13.5907
13.7648
13.9291
14.0840
14.2302
14.3681
14.4982
15.0463
15.4558
15.7619
15.9905
16.1614
16.2891
16.3845
16.4558
16.5091
16.5489
16.5787
16.6009
16.6047
16.6115
16.6175
A/G Gradientt
Uniform Series
s
0.8900
2.5692
4.9455
7.9345
11.4594
15.4497
19.8416
24.5768
29.6023
34.8702
40.3369
45.9629
51.7128
57.5546
63.4592
69.4011
75.3569
81.3062
87.2304
93.1136
98.9412
104.7007
110.3812
115.9732
121.4684
126.8600
132.1420
137.3096
142.3588
147.2864
152.0901
156.7681
161.3192
165.7427
185.9568
203.1096
217.4574
229.3222
239.0428
246.9450
253.3271
258.4527
262.5493
265.8096
268.3946
270.4375
270.7909
271.4491
272.0471
0.4854
0.9612
1.4272
1.8836
2.3304
2.7676
3.1952
3.6133
4.0220
4.4213
4.8113
5.1920
5.5635
5.9260
6.2794
6.6240
6.9597
7.2867
7.6051
7.9151
8.2166
8.5099
8.7951
9.0722
9.3414
9.6029
9.8568
10.1032
10.3422
10.5740
10.7988
11.0166
11.2276
11.4319
12.3590
13.1413
13.7964
14.3411
14.7909
15.1601
15.4613
15.7058
15.9033
16.0620
16.1891
16.2905
16.3081
16.3411
16.3711
398
399
Interest F
Factor Tables
7%
T AB L E
Single Payments
7%

P
F/P
P/F
A/F
F/A
A/P
P//A
Comp
pound
Amo
ount
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
96
98
100
1.0
0700
1.1449
1.2
2250
1.3
3108
1.4
4026
1.5
5007
1.6
6058
1.7
7182
1.8
8385
1.9
9672
2.1049
2.2
2522
2.4
4098
2.5
5785
2.7
7590
2.9
9522
3.1588
3.3
3799
3.6
6165
3.8
8697
4.1406
4.4
4304
4.7
7405
5.0
0724
5.4
4274
5.8
8074
6.2
2139
6.6
6488
7.1143
7.6
6123
8.1451
8.7
7153
9.3
3253
9.9
9781
10.6
6766
14.9
9745
21.0
0025
29.4
4570
41.3
3150
57.9
9464
81.2
2729
113..9894
159..8760
224..2344
314..5003
441..1030
618..6697
661..9766
757..8970
867..7163
0.9346
6
0.8734
4
0.8163
3
0.7629
9
0.7130
0
0.6663
3
0.6227
7
0.5820
0
0.5439
9
0.5083
3
0.4751
0.4440
0
0.4150
0
0.3878
8
0.3624
4
0.3387
7
0.3166
6
0.2959
9
0.2765
5
0.2584
4
0.2415
5
0.2257
7
0.2109
9
0.1971
0.1842
2
0.1722
2
0.1609
9
0.1504
4
0.1406
6
0.1314
4
0.1228
8
0.1147
7
0.1072
2
0.1002
2
0.0937
7
0.0668
8
0.0476
6
0.0339
9
0.0242
2
0.0173
3
0.0123
3
0.0088
8
0.0063
3
0.0045
5
0.0032
2
0.0023
3
0.0016
6
0.0015
5
0.0013
3
0.0012
2
1.00000
0.48309
0.31105
0.22523
0.17389
0.13980
0.11555
0.09747
0.08349
0.07238
0.06336
0.05590
0.04965
0.04434
0.03979
0.03586
0.03243
0.02941
0.02675
0.02439
0.02229
0.02041
0.01871
0.01719
0.01581
0.01456
0.01343
0.01239
0.01145
0.01059
0.00980
0.00907
0.00841
0.00780
0.00723
0.00501
0.00350
0.00246
0.00174
0.00123
0.00087
0.00062
0.00044
0.00031
0.00022
0.00016
0.00011
0.00011
0.00009
0.00008
1.0000
2.0700
3.2149
4.4399
5.7507
7.1533
8.6540
10.2598
11.9780
13.8164
15.7836
17.8885
20.1406
22.5505
25.1290
27.8881
30.8402
33.9990
37.3790
40.9955
44.8652
49.0057
53.4361
58.1767
63.2490
68.6765
74.4838
80.6977
87.3465
94.4608
102.0730
110.2182
118.9334
128.2588
138.2369
199.6351
285.7493
406.5289
575.9286
813.5204
1146.76
1614.13
2269.66
3189.06
4478.58
6287.19
8823.85
9442.52
10813
12382
1.07000
0.55309
0.38105
0.29523
0.24389
0.20980
0.18555
0.16747
0.15349
0.14238
0.13336
0.12590
0.11965
0.11434
0.10979
0.10586
0.10243
0.09941
0.09675
0.09439
0.09229
0.09041
0.08871
0.08719
0.08581
0.08456
0.08343
0.08239
0.08145
0.08059
0.07980
0.07907
0.07841
0.07780
0.07723
0.07501
0.07350
0.07246
0.07174
0.07123
0.07087
0.07062
0.07044
0.07031
0.07022
0.07016
0.07011
0.07011
0.07009
0.07008
0.93346
1.80080
2.62243
3.38872
4.10002
4.76665
5.38893
5.97713
6.5 152
7.02236
7.49987
7.94427
8.35577
8.74455
9.10079
9.44466
9.76632
10.00591
10.33356
10.55940
10.88355
11.00612
11.22722
11.44693
11.66536
11.88258
11.99867
12.11371
12.22777
12.44090
12.55318
12.66466
12.77538
12.88540
12.99477
13.33317
13.66055
13.88007
13.99399
14.00392
14.11099
14.11604
14.11964
14.22220
14.22403
14.22533
14.22626
14.22641
14.22669
14.22693
P/G Graadient
Present Worth
A/G G
Gradient
Uniform
m Series
0.87334
2.50660
4.79447
7.64667
10.97784
14.71149
18.78889
23.14404
27.71156
32.46665
37.35506
42.33302
47.37718
52.44461
57.52271
62.59923
67.62219
72.59991
77.50091
82.33393
87.07793
91.72201
96.25545
100.67765
104.98814
109.16656
113.22264
117.16622
120.97718
124.65550
128.2 120
131.64435
134.95507
138.13353
152.29928
163.75559
172.90051
180.12243
185.76677
190.14452
193.5 185
196.10035
198.07748
199.57717
200.70042
201.55581
201.70016
201.96651
202.20001
0.44831
0.99549
1.44155
1.88650
2.33032
2.77304
3.1465
3.55517
3.99461
4.33296
4.77025
5.00648
5.44167
5.77583
6.00897
6.44110
6.77225
7.00242
7.33163
7.55990
7.88725
8.1369
8.33923
8.66391
8.88773
9.1072
9.33289
9.55427
9.77487
9.99471
10.1381
10.3219
10.4987
10.6687
11.4233
12.0360
12.5287
12.9215
13.2321
13.4760
13.6662
13.8136
13.9273
14.0146
14.0812
14.1319
14.1405
14.1562
14.1703
400
Interest Factor
F
Tables
8%

pound Interest F
Factors
T AB L E
Single Pay
yments
8%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
P/G Gradient
Present
Worth
Sin
nking
Fund
F
Compou
und
Amount
Capital
Recovery
y
Present
Worth
Present Worth
Compound
Amount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
96
98
100
1.0800
1.1664
1.2597
1.3605
1.4693
1.5869
1.7138
1.8509
1.9990
2.1589
2.3316
2.5182
2.7196
2.9372
3.1722
3.4259
3.7000
3.9960
4.3157
4.6610
5.0338
5.4365
5.8715
6.3412
6.8485
7.3964
7.9881
8.6271
9.3173
10.0627
10.8677
11.7371
12.6760
13.6901
14.7853
21.7245
31.9204
46.9016
68.9139
101.2571
148.7798
218.6064
321.2045
471.9548
693.4565
1018.92
1497.12
1616.89
1885.94
2199.76
0.9259
0.8573
0.7938
0.7350
0.6806
0.6302
0.5835
0.5403
0.5002
0.4632
0.4289
0.3971
0.3677
0.3405
0.3152
0.2919
0.2703
0.2502
0.2317
0.2145
0.1987
0.1839
0.1703
0.1577
0.1460
0.1352
0.1252
0.1159
0.1073
0.0994
0.0920
0.0852
0.0789
0.0730
0.0676
0.0460
0.0313
0.0213
0.0145
0.0099
0.0067
0.0046
0.0031
0.0021
0.0014
0.0010
0.0007
0.0006
0.0005
0.0005
1.0
00000
0.4
48077
0.3
30803
0.2
22192
0.1
17046
0.1
13632
0.1
11207
0.0
09401
0.0
08008
0.0
06903
0.0
06008
0.0
05270
0.0
04652
0.0
04130
0.0
03683
0.0
03298
0.0
02963
0.0
02670
0.0
02413
0.0
02185
0.0
01983
0.0
01803
0.0
01642
0.0
01498
0.0
01368
0.0
01251
0.0
01145
0.0
01049
0.0
00962
0.0
00883
0.0
00811
0.0
00745
0.0
00685
0.0
00630
0.0
00580
0.0
00386
0.0
00259
0.0
00174
0.0
00118
0.0
00080
0.0
00054
0.0
00037
0.0
00025
0.0
00017
0.0
00012
0.0
00008
0.0
00005
0.0
00005
0.0
00004
0.0
00004
1.0000
2.0800
3.2464
4.5061
5.8666
7.3359
8.9228
10.636
66
12.487
76
14.486
66
16.645
55
18.977
71
21.495
53
24.214
49
27.152
21
30.324
43
33.750
02
37.450
02
41.446
63
45.762
20
50.422
29
55.456
68
60.893
33
66.764
48
73.105
59
79.954
44
87.350
08
95.338
88
103.9659
113.2832
123.3459
134.2135
145.9506
158.6267
172.3168
259.0565
386.5056
573.7702
848.9232
1253.2
21
1847.2
25
2720.0
08
4002.5
56
5886.9
94
8655.7
71
12724
4
18702
2
20199
9
23562
2
27485
5
1.08000
0.56077
0.38803
0.30192
0.25046
0.21632
0.19207
0.17401
0.16008
0.14903
0.14008
0.13270
0.12652
0.12130
0.11683
0.11298
0.10963
0.10670
0.10413
0.10185
0.09983
0.09803
0.09642
0.09498
0.09368
0.09251
0.09145
0.09049
0.08962
0.08883
0.08811
0.08745
0.08685
0.08630
0.08580
0.08386
0.08259
0.08174
0.08118
0.08080
0.08054
0.08037
0.08025
0.08017
0.08012
0.08008
0.08005
0.08005
0.08004
0.08004
0.9259
1.7833
2.5771
3.3121
3.9927
4.6229
5.2064
5.7466
6.2469
6.7101
7.1390
7.5361
7.9038
8.2442
8.5595
8.8514
9.1216
9.3719
9.6036
9.8181
10.0168
10.2007
10.3711
10.5288
10.6748
10.8100
10.9352
11.0511
11.1584
11.2578
11.3498
11.4350
11.5139
11.5869
11.6546
11.9246
12.1084
12.2335
12.3186
12.3766
12.4160
12.4428
12.4611
12.4735
12.4820
12.4877
12.4917
12.4923
12.4934
12.4943
A/G Gradientt
Uniform Series
s
0.8573
2.4450
4.6501
7.3724
10.5233
14.0242
17.8061
21.8081
25.9768
30.2657
34.6339
39.0463
43.4723
47.8857
52.2640
56.5883
60.8426
65.0134
69.0898
73.0629
76.9257
80.6726
84.2997
87.8041
91.1842
94.4390
97.5687
100.5738
103.4558
106.2163
108.8575
111.3819
113.7924
116.0920
126.0422
133.7331
139.5928
144.0065
147.3000
149.7387
151.5326
152.8448
153.8001
154.4925
154.9925
155.3524
155.4112
155.5176
155.6107
0.4808
0.9487
1.4040
1.8465
2.2763
2.6937
3.0985
3.4910
3.8713
4.2395
4.5957
4.9402
5.2731
5.5945
5.9046
6.2037
6.4920
6.7697
7.0369
7.2940
7.5412
7.7786
8.0066
8.2254
8.4352
8.6363
8.8289
9.0133
9.1897
9.3584
9.5197
9.6737
9.8208
9.9611
10.5699
11.0447
11.4107
11.6902
11.9015
12.0602
12.1783
12.2658
12.3301
12.3772
12.4116
12.4365
12.4406
12.4480
12.4545
400
Interest Factor
F
Tables
9%
T AB L E
Single Payments
9%

P
F/P
P/F
A/F
F/A
A/P
P//A
P/G Graadient
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
Present Worth
Comp
pound
Amo
ount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
96
98
100
1.0
0900
1.1881
1.2
2950
1.4
4116
1.5
5386
1.6
6771
1.8
8280
1.9
9926
2.1719
2.3
3674
2.5
5804
2.8
8127
3.0
0658
3.3
3417
3.6
6425
3.9
9703
4.3
3276
4.7
7171
5.1417
5.6
6044
6.1088
6.6
6586
7.2
2579
7.9
9111
8.6
6231
9.3
3992
10.2
2451
11.1
1671
12.1
1722
13.2
2677
14.4
4618
15.7
7633
17.1
1820
18.7
7284
20.4
4140
31.4
4094
48.3
3273
74.3
3575
114..4083
176..0313
270..8460
416..7301
641..1909
986..5517
1517.93
233
35.53
359
93.50
3916.91
465
53.68
552
29.04
0.9174
4
0.8417
7
0.7722
2
0.7084
4
0.6499
9
0.5963
3
0.5470
0
0.5019
9
0.4604
4
0.4224
4
0.3875
5
0.3555
5
0.3262
2
0.2992
2
0.2745
5
0.2519
9
0.2311
0.2120
0
0.1945
5
0.1784
4
0.1637
7
0.1502
2
0.1378
8
0.1264
4
0.1160
0
0.1064
4
0.0976
6
0.0895
5
0.0822
2
0.0754
4
0.0691
0.0634
4
0.0582
2
0.0534
4
0.0490
0
0.0318
8
0.0207
7
0.0134
4
0.0087
7
0.0057
7
0.0037
7
0.0024
4
0.0016
6
0.0010
0
0.0007
7
0.0004
4
0.0003
3
0.0003
3
0.0002
2
0.0002
2
1.00000
0.47847
0.30505
0.21867
0.16709
0.13292
0.10869
0.09067
0.07680
0.06582
0.05695
0.04965
0.04357
0.03843
0.03406
0.03030
0.02705
0.02421
0.02173
0.01955
0.01762
0.01590
0.01438
0.01302
0.01181
0.01072
0.00973
0.00885
0.00806
0.00734
0.00669
0.00610
0.00556
0.00508
0.00464
0.00296
0.00190
0.00123
0.00079
0.00051
0.00033
0.00022
0.00014
0.00009
0.00006
0.00004
0.00003
0.00002
0.00002
0.00002
1.0000
2.0900
3.2781
4.5731
5.9847
7.5233
9.2004
11.0285
13.0210
15.1929
17.5603
20.1407
22.9534
26.0192
29.3609
33.0034
36.9737
41.3013
46.0185
51.1601
56.7645
62.8733
69.5319
76.7898
84.7009
93.3240
102.7231
112.9682
124.1354
136.3075
149.5752
164.0370
179.8003
196.9823
215.7108
337.8824
525.8587
815.0836
1260.09
1944.79
2998.29
4619.22
7113.23
10951
16855
25939
39917
43510
51696
61423
1.09000
0.56847
0.39505
0.30867
0.25709
0.22292
0.19869
0.18067
0.16680
0.15582
0.14695
0.13965
0.13357
0.12843
0.12406
0.12030
0.11705
0.11421
0.11173
0.10955
0.10762
0.10590
0.10438
0.10302
0.10181
0.10072
0.09973
0.09885
0.09806
0.09734
0.09669
0.09610
0.09556
0.09508
0.09464
0.09296
0.09190
0.09123
0.09079
0.09051
0.09033
0.09022
0.09014
0.09009
0.09006
0.09004
0.09003
0.09002
0.09002
0.09002
0.9 174
1.75591
2.53313
3.23397
3.88897
4.48859
5.03330
5.53348
5.99952
6.4 177
6.80052
7.16607
7.48869
7.78862
8.06607
8.3 126
8.54436
8.75556
8.95501
9.12285
9.29922
9.44424
9.58802
9.70066
9.82226
9.92290
10.00266
10.11161
10.11983
10.22737
10.33428
10.44062
10.44644
10.55178
10.55668
10.77574
10.88812
10.99617
11.00140
11.00480
11.00701
11.00844
11.00938
11.00998
11.11038
11.11064
11.11080
11.11083
11.11087
11.11091
A/G G
Gradient
Uniform
m Series
0.84 17
2.38660
4.51 13
7.11 10
10.09924
13.37746
16.88877
20.57711
24.37728
28.24481
32.15590
36.07731
39.96633
43.80069
47.58849
51.28821
54.88860
58.38868
61.77770
65.05509
68.20048
71.23359
74.14433
76.92265
79.58863
82.12241
84.54419
86.84422
89.02280
91.10024
93.06690
94.93314
96.69935
98.35590
105.37762
110.55561
114.32251
117.03362
118.96683
120.33344
121.29942
121.96646
122.43306
122.75533
122.97758
123.12287
123.15529
123.19963
123.23335
0.44785
0.99426
1.33925
1.88282
2.22498
2.66574
3.00512
3.44312
3.77978
4.1510
4.44910
4.88182
5.1326
5.44346
5.77245
6.00024
6.22687
6.55236
6.77674
7.00006
7.22232
7.44357
7.66384
7.88316
8.00156
8.1906
8.33571
8.55154
8.66657
8.88083
8.99436
9.00718
9.1933
9.33083
9.77957
10.1603
10.4295
10.6261
10.7683
10.8702
10.9427
10.9940
11.0299
11.0551
11.0726
11.0847
11.0866
11.0900
11.0930
Interest F
Factor Tables
10%
%

pound Interest F
Factors
T AB L E
Single Pay
yments
10%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
P/G Gradient
Present
Worth
Sin
nking
Fund
F
Compou
und
Amou
unt
Capital
Recovery
y
Present
Worth
Present Worth
Compound
Amount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
90
95
96
98
100
1.1000
1.2100
1.3310
1.4641
1.6105
1.7716
1.9487
2.1436
2.3579
2.5937
2.8531
3.1384
3.4523
3.7975
4.1772
4.5950
5.0545
5.5599
6.1159
6.7275
7.4002
8.1403
8.9543
9.8497
10.8347
11.9182
13.1100
14.4210
15.8631
17.4494
19.1943
21.1138
23.2252
25.5477
28.1024
45.2593
72.8905
117.3909
189.0591
304.4816
490.3707
789.7470
1271.90
2048.40
3298.97
5313.02
8556.68
9412.34
11389
13781
0.9091
0.8264
0.7513
0.6830
0.6209
0.5645
0.5132
0.4665
0.4241
0.3855
0.3505
0.3186
0.2897
0.2633
0.2394
0.2176
0.1978
0.1799
0.1635
0.1486
0.1351
0.1228
0.1117
0.1015
0.0923
0.0839
0.0763
0.0693
0.0630
0.0573
0.0521
0.0474
0.0431
0.0391
0.0356
0.0221
0.0137
0.0085
0.0053
0.0033
0.0020
0.0013
0.0008
0.0005
0.0003
0.0002
0.0001
0.0001
0.0001
0.0001
1.0
00000
0.4
47619
0.3
30211
0.2
21547
0.1
16380
0.1
12961
0.1
10541
0.0
08744
0.0
07364
0.0
06275
0.0
05396
0.0
04676
0.0
04078
0.0
03575
0.0
03147
0.0
02782
0.0
02466
0.0
02193
0.0
01955
0.0
01746
0.0
01562
0.0
01401
0.0
01257
0.0
01130
0.0
01017
0.0
00916
0.0
00826
0.0
00745
0.0
00673
0.0
00608
0.0
00550
0.0
00497
0.0
00450
0.0
00407
0.0
00369
0.0
00226
0.0
00139
0.0
00086
0.0
00053
0.0
00033
0.0
00020
0.0
00013
0.0
00008
0.0
00005
0.0
00003
0.0
00002
0.0
00001
0.0
00001
0.0
00001
0.0
00001
1.0000
2.1000
3.3100
4.6410
6.1051
7.7156
9.4872
11.435
59
13.579
95
15.937
74
18.531
12
21.384
43
24.522
27
27.975
50
31.772
25
35.949
97
40.544
47
45.599
92
51.159
91
57.275
50
64.002
25
71.402
27
79.543
30
88.497
73
98.347
71
109.1818
121.0999
134.2099
148.6309
164.4940
181.9434
201.1378
222.2515
245.4767
271.0244
442.5926
718.9048
1163.9
91
1880.5
59
3034.8
82
4893.7
71
7887.4
47
12709
9
20474
4
32980
0
53120
0
85557
7
94113
3
1.10000
0.57619
0.40211
0.31547
0.26380
0.22961
0.20541
0.18744
0.17364
0.16275
0.15396
0.14676
0.14078
0.13575
0.13147
0.12782
0.12466
0.12193
0.11955
0.11746
0.11562
0.11401
0.11257
0.11130
0.11017
0.10916
0.10826
0.10745
0.10673
0.10608
0.10550
0.10497
0.10450
0.10407
0.10369
0.10226
0.10139
0.10086
0.10053
0.10033
0.10020
0.10013
0.10008
0.10005
0.10003
0.10002
0.10001
0.10001
0.10001
0.10001
0.9091
1.7355
2.4869
3.1699
3.7908
4.3553
4.8684
5.3349
5.7590
6.1446
6.4951
6.8137
7.1034
7.3667
7.6061
7.8237
8.0216
8.2014
8.3649
8.5136
8.6487
8.7715
8.8832
8.9847
9.0770
9.1609
9.2372
9.3066
9.3696
9.4269
9.4790
9.5264
9.5694
9.6086
9.6442
9.7791
9.8628
9.9148
9.9471
9.9672
9.9796
9.9873
9.9921
9.9951
9.9970
9.9981
9.9988
9.9989
9.9991
9.9993
A/G Gradientt
Uniform Series
s
0.8264
2.3291
4.3781
6.8618
9.6842
12.7631
16.0287
19.4215
22.8913
26.3963
29.9012
33.3772
36.8005
40.1520
43.4164
46.5819
49.6395
52.5827
55.4069
58.1095
60.6893
63.1462
65.4813
67.6964
69.7940
71.7773
73.6495
75.4146
77.0766
78.6395
80.1078
81.4856
82.7773
83.9872
88.9525
92.4544
94.8889
96.5619
97.7010
98.4705
98.9870
99.3317
99.5606
99.7120
99.8118
99.8773
99.8874
99.9052
99.9202
0.4762
0.9366
1.3812
1.8101
2.2236
2.6216
3.0045
3.3724
3.7255
4.0641
4.3884
4.6988
4.9955
5.2789
5.5493
5.8071
6.0526
6.2861
6.5081
6.7189
6.9189
7.1085
7.2881
7.4580
7.6186
7.7704
7.9137
8.0489
8.1762
8.2962
8.4091
8.5152
8.6149
8.7086
9.0962
9.3740
9.5704
9.7075
9.8023
9.8672
9.9113
9.9410
9.9609
9.9742
9.9831
9.9889
9.9898
9.9914
9.9927
402
403
Interest F
Factor Tables
11%
T AB L E
Single Payments
11%

P
F/P
P/F
A/F
F/A
A/P
P//A
P/G Graadient
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
Present Worth
Comp
pound
Amo
ount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
1.1100
1.2
2321
1.3
3676
1.5
5181
1.6
6851
1.8
8704
2.0
0762
2.3
3045
2.5
5580
2.8
8394
3.1518
3.4
4985
3.8
8833
4.3
3104
4.7
7846
5.3
3109
5.8
8951
6.5
5436
7.2
2633
8.0
0623
8.9
9492
9.9
9336
11.0
0263
12.2
2392
13.5
5855
15.0
0799
16.7
7386
18.5
5799
20.6
6237
22.8
8923
25.4
4104
28.2
2056
31.3
3082
34.7
7521
38.5
5749
65.0
0009
109..5302
184..5648
311..0025
524..0572
883..0669
148
88.02
250
07.40
422
25.11
7119.56
0.9009
9
0.8116
6
0.7312
2
0.6587
7
0.5935
5
0.5346
6
0.4817
7
0.4339
9
0.3909
9
0.3522
2
0.3173
3
0.2858
8
0.2575
5
0.2320
0
0.2090
0
0.1883
3
0.1696
6
0.1528
8
0.1377
7
0.1240
0
0.1117
7
0.1007
7
0.0907
7
0.0817
7
0.0736
6
0.0663
3
0.0597
7
0.0538
8
0.0485
5
0.0437
7
0.0394
4
0.0355
5
0.0319
9
0.0288
8
0.0259
9
0.0154
4
0.0091
0.0054
4
0.0032
2
0.0019
9
0.0011
0.0007
7
0.0004
4
0.0002
2
0.0001
1.00000
0.47393
0.29921
0.21233
0.16057
0.12638
0.10222
0.08432
0.07060
0.05980
0.05112
0.04403
0.03815
0.03323
0.02907
0.02552
0.02247
0.01984
0.01756
0.01558
0.01384
0.01231
0.01097
0.00979
0.00874
0.00781
0.00699
0.00626
0.00561
0.00502
0.00451
0.00404
0.00363
0.00326
0.00293
0.00172
0.00101
0.00060
0.00035
0.00021
0.00012
0.00007
0.00004
0.00003
0.00002
1.0000
2.1100
3.3421
4.7097
6.2278
7.9129
9.7833
11.8594
14.1640
16.7220
19.5614
22.7132
26.2116
30.0949
34.4054
39.1899
44.5008
50.3959
56.9395
64.2028
72.2651
81.2143
91.1479
102.1742
114.4133
127.9988
143.0786
159.8173
178.3972
199.0209
221.9132
247.3236
275.5292
306.8374
341.5896
581.8261
986.6386
1668.77
2818.20
4755.07
8018.79
13518
22785
38401
64714
1.11000
0.58393
0.40921
0.32233
0.27057
0.23638
0.21222
0.19432
0.18060
0.16980
0.16112
0.15403
0.14815
0.14323
0.13907
0.13552
0.13247
0.12984
0.12756
0.12558
0.12384
0.12231
0.12097
0.11979
0.11874
0.11781
0.11699
0.11626
0.11561
0.11502
0.11451
0.11404
0.11363
0.11326
0.11293
0.11172
0.11101
0.11060
0.11035
0.11021
0.11012
0.11007
0.11004
0.11003
0.11002
0.90009
1.7 125
2.44437
3.10024
3.69959
4.23305
4.7 122
5.14461
5.53370
5.88892
6.20065
6.49924
6.74499
6.98819
7.19909
7.37792
7.54488
7.70016
7.83393
7.96633
8.07751
8.17757
8.26664
8.34481
8.42217
8.48881
8.54478
8.60016
8.65501
8.69938
8.73331
8.76686
8.80005
8.82293
8.85552
8.95511
9.00079
9.04417
9.06617
9.07736
9.08806
9.08848
9.08873
9.08888
9.08896
A/G G
Gradient
Uniform
m Series
0.81 16
2.27440
4.25002
6.62440
9.29772
12.18872
15.22246
18.35520
21.52217
24.69945
27.83388
30.92290
33.94449
36.87709
39.69953
42.40095
45.00074
47.48856
49.84423
52.07771
54.19912
56.18864
58.06656
59.83322
61.49900
63.04433
64.49965
65.85542
67.12210
68.30016
69.40007
70.42228
71.37724
72.25538
75.77789
78.15551
79.73341
80.77712
81.44461
81.88819
82.16614
82.33397
82.45529
82.52245
0.44739
0.99306
1.33700
1.77923
2.1976
2.55863
2.99585
3.33144
3.66544
3.99788
4.22879
4.55822
4.88619
5.1275
5.33794
5.66180
5.88439
6.00574
6.22590
6.44491
6.66283
6.77969
6.99555
7.1045
7.22443
7.33754
7.44982
7.66131
7.77206
7.88210
7.99147
8.00021
8.00836
8.1594
8.44659
8.66763
8.88185
8.99135
8.99762
9.00172
9.00438
9.00610
9.00720
9.00790
Interest F
Factor Tables
12%
%

pound Interest F
Factors
T AB L E
Single Pay
yments
12%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
P/G Gradient
Present
Worth
Sin
nking
Fund
F
Compou
und
Amount
Capital
Recovery
y
Present
Worth
Present Worth
Compound
Amount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
1.1200
1.2544
1.4049
1.5735
1.7623
1.9738
2.2107
2.4760
2.7731
3.1058
3.4785
3.8960
4.3635
4.8871
5.4736
6.1304
6.8660
7.6900
8.6128
9.6463
10.8038
12.1003
13.5523
15.1786
17.0001
19.0401
21.3249
23.8839
26.7499
29.9599
33.5551
37.5817
42.0915
47.1425
52.7996
93.0510
163.9876
289.0022
509.3206
897.5969
1581.87
2787.80
4913.06
8658.48
15259
0.8929
0.7972
0.7118
0.6355
0.5674
0.5066
0.4523
0.4039
0.3606
0.3220
0.2875
0.2567
0.2292
0.2046
0.1827
0.1631
0.1456
0.1300
0.1161
0.1037
0.0926
0.0826
0.0738
0.0659
0.0588
0.0525
0.0469
0.0419
0.0374
0.0334
0.0298
0.0266
0.0238
0.0212
0.0189
0.0107
0.0061
0.0035
0.0020
0.0011
0.0006
0.0004
0.0002
0.0001
0.0001
1.0
00000
0.4
47170
0.2
29635
0.2
20923
0.1
15741
0.1
12323
0.0
09912
0.0
08130
0.0
06768
0.0
05698
0.0
04842
0.0
04144
0.0
03568
0.0
03087
0.0
02682
0.0
02339
0.0
02046
0.0
01794
0.0
01576
0.0
01388
0.0
01224
0.0
01081
0.0
00956
0.0
00846
0.0
00750
0.0
00665
0.0
00590
0.0
00524
0.0
00466
0.0
00414
0.0
00369
0.0
00328
0.0
00292
0.0
00260
0.0
00232
0.0
00130
0.0074
0.0
00042
0.0
00024
0.0
00013
0.0
00008
0.0
00004
0.0
00002
0.0
00001
0.0
00001
1.0000
2.1200
3.3744
4.7793
6.3528
8.1152
10.089
90
12.299
97
14.775
57
17.548
87
20.654
46
24.133
31
28.029
91
32.392
26
37.279
97
42.753
33
48.883
37
55.749
97
63.439
97
72.052
24
81.698
87
92.502
26
104.6029
118.1552
133.3339
150.3339
169.3740
190.6989
214.5828
241.3327
271.2926
304.8477
342.4294
384.5210
431.6635
767.0914
1358.2
23
2400.0
02
4236.0
01
7471.6
64
13174
4
23223
3
40934
4
72146
6
1.12000
0.59170
0.41635
0.32923
0.27741
0.24323
0.21912
0.20130
0.18768
0.17698
0.16842
0.16144
0.15568
0.15087
0.14682
0.14339
0.14046
0.13794
0.13576
0.13388
0.13224
0.13081
0.12956
0.12846
0.12750
0.12665
0.12590
0.12524
0.12466
0.12414
0.12369
0.12328
0.12292
0.12260
0.12232
0.12130
0.12074
0.12042
0.12024
0.12013
0.12008
0.12004
0.12002
0.12001
0.12001
0.8929
1.6901
2.4018
3.0373
3.6048
4.1114
4.5638
4.9676
5.3282
5.6502
5.9377
6.1944
6.4235
6.6282
6.8109
6.9740
7.1196
7.2497
7.3658
7.4694
7.5620
7.6446
7.7184
7.7843
7.8431
7.8957
7.9426
7.9844
8.0218
8.0552
8.0850
8.1116
8.1354
8.1566
8.1755
8.2438
8.2825
8.3045
8.3170
8.3240
8.3281
8.3303
8.3316
8.3324
8.3328
A/G Gradientt
Uniform Series
s
0.7972
2.2208
4.1273
6.3970
8.9302
11.6443
14.4714
17.3563
20.2541
23.1288
25.9523
28.7024
31.3624
33.9202
36.3670
38.6973
40.9080
42.9979
44.9676
46.8188
48.5543
50.1776
51.6929
53.1046
54.4177
55.6369
56.7674
57.8141
58.7821
59.6761
60.5010
61.2612
61.9612
62.6052
65.1159
66.7342
67.7624
68.4082
68.8100
69.0581
69.2103
69.3031
69.3594
69.3935
0.4717
0.9246
1.3589
1.7746
2.1720
2.5512
2.9131
3.2574
3.5847
3.8953
4.1897
4.4683
4.7317
4.9803
5.2147
5.4353
5.6427
5.8375
6.0202
6.1913
6.3514
6.5010
6.6406
6.7708
6.8921
7.0049
7.1098
7.2071
7.2974
7.3811
7.4586
7.5302
7.5965
7.6577
7.8988
8.0572
8.1597
8.2251
8.2664
8.2922
8.3082
8.3181
8.3241
8.3278
404
405
Interest F
Factor Tables
14%
T AB L E
Single Payments
14%

P
A
F/P
P/F
A/F
F/A
A/P
P//A
Comp
pound
Amount
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
1.1
1400
1.2
2996
1.4
4815
1.6
6890
1.9
9254
2.1
1950
2.5
5023
2.8
8526
3.2
2519
3.7
7072
4.2
2262
4.8
8179
5.4
4924
6.2
2613
7.1
1379
8.1
1372
9.2
2765
10.5
5752
12.0
0557
13.7
7435
15.6
6676
17.8
8610
20.3
3616
23.2
2122
26.4
4619
30.1666
34.3
3899
39.2
2045
44.6
6931
50.9
9502
58.0
0832
66.2
2148
75.4
4849
86.0
0528
98.1002
188..8835
363..6791
700..2330
134
48.24
259
95.92
499
98.22
962
23.64
18530
35677
68693
0.8772
2
0.7695
5
0.6750
0
0.5921
1
0.5194
4
0.4556
6
0.3996
6
0.3506
6
0.3075
5
0.2697
7
0.2366
6
0.2076
6
0.1821
1
0.1597
7
0.1401
1
0.1229
9
0.1078
8
0.0946
6
0.0829
9
0.0728
8
0.0638
8
0.0560
0
0.0491
1
0.0431
1
0.0378
8
0.0331
1
0.0291
1
0.0255
5
0.0224
4
0.0196
6
0.0172
2
0.0151
1
0.0132
2
0.0116
6
0.0102
2
0.0053
3
0.0027
7
0.0014
4
0.0007
7
0.0004
4
0.0002
2
0.0001
1
0.0001
1
1.00000
0.46729
0.29073
0.20320
0.15128
0.11716
0.09319
0.07557
0.06217
0.05171
0.04339
0.03667
0.03116
0.02661
0.02281
0.01962
0.01692
0.01462
0.01266
0.01099
0.00954
0.00830
0.00723
0.00630
0.00550
0.00480
0.00419
0.00366
0.00320
0.00280
0.00245
0.00215
0.00188
0.00165
0.00144
0.00075
0.00039
0.00020
0.00010
0.00005
0.00003
0.00001
0.00001
1.0000
2.1400
3.4396
4.9211
6.6101
8.5355
10.7305
13.2328
16.0853
19.3373
23.0445
27.2707
32.0887
37.5811
43.8424
50.9804
59.1176
68.3941
78.9692
91.0249
104.7684
120.4360
138.2970
158.6586
181.8708
208.3327
238.4993
272.8892
312.0937
356.7868
407.7370
465.8202
532.0350
607.5199
693.5727
1342.03
2590.56
4994.52
9623.13
18535
35694
68733
1.14000
0.60729
0.43073
0.34320
0.29128
0.25716
0.23319
0.21557
0.20217
0.19171
0.18339
0.17667
0.17116
0.16661
0.16281
0.15962
0.15692
0.15462
0.15266
0.15099
0.14954
0.14830
0.14723
0.14630
0.14550
0.14480
0.14419
0.14366
0.14320
0.14280
0.14245
0.14215
0.14188
0.14165
0.14144
0.14075
0.14039
0.14020
0.14010
0.14005
0.14003
0.14001
0.14001
0.14000
0.14000
0.87772
1.64467
2.32216
2.9 137
3.43331
3.88887
4.28883
4.63389
4.94464
5.2 161
5.45527
5.66603
5.84424
6.00021
6.14422
6.26651
6.37729
6.46674
6.55504
6.62231
6.68870
6.74429
6.79921
6.83351
6.87729
6.90061
6.93352
6.96607
6.98830
7.00027
7.0 199
7.03350
7.04482
7.05599
7.07700
7.10050
7.12232
7.13327
7.13376
7.14401
7.14414
7.14421
7.14425
7.14427
7.14428
P/G Graadient
Present Worth
A/G G
Gradient
Uniform Series
0.76995
2.11994
3.89557
5.97331
8.25 11
10.64489
13.10028
15.56629
17.99906
20.35567
22.63399
24.82247
26.90009
28.86623
30.70057
32.43305
34.03380
35.53311
36.91135
38.19901
39.36658
40.44463
41.43371
42.34441
43.17728
43.92289
44.61176
45.24441
45.81132
46.32297
46.79979
47.22218
47.60053
47.95519
49.23376
49.99963
50.43375
50.69912
50.83357
50.91173
50.96632
50.98887
51.00030
51.01108
0.44673
0.99129
1.33370
1.77399
2.1218
2.44832
2.8246
3.1463
3.44490
3.77333
3.99998
4.22491
4.44819
4.66990
4.99011
5.00888
5.22630
5.44243
5.55734
5.77111
5.8381
5.99549
6.00624
6.1610
6.22514
6.33342
6.44100
6.44791
6.55423
6.55998
6.66522
6.66998
6.77431
6.77824
6.99300
7.00188
7.00714
7.1020
7.1197
7.1298
7.1356
7.1388
7.1406
7.1416
Interest F
Factor Tables
15%
%

pound Interest F
Factors
T AB L E
Single Pay
yments
n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
45
50
55
60
65
70
75
80
85
15%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
P/G Gradient
Compound
Amount
Present
Worth
Sin
nking
Fund
F
Compou
und
Amount
Capital
Recovery
y
Present
Worth
Present Worth
1.1500
1.3225
1.5209
1.7490
2.0114
2.3131
2.6600
3.0590
3.5179
4.0456
4.6524
5.3503
6.1528
7.0757
8.1371
9.3576
10.7613
12.3755
14.2318
16.3665
18.8215
21.6447
24.8915
28.6252
32.9190
37.8568
43.5353
50.0656
57.5755
66.2118
76.1435
87.5651
100.6998
115.8048
133.1755
267.8635
538.7693
1083.66
2179.62
4384.00
8817.79
17736
35673
71751
0.8696
0.7561
0.6575
0.5718
0.4972
0.4323
0.3759
0.3269
0.2843
0.2472
0.2149
0.1869
0.1625
0.1413
0.1229
0.1069
0.0929
0.0808
0.0703
0.0611
0.0531
0.0462
0.0402
0.0349
0.0304
0.0264
0.0230
0.0200
0.0174
0.0151
0.0131
0.0114
0.0099
0.0086
0.0075
0.0037
0.0019
0.0009
0.0005
0.0002
0.0001
0.0001
1.0
00000
0.4
46512
0.2
28798
0.2
20027
0.1
14832
0.1
11424
0.0
09036
0.0
07285
0.0
05957
0.0
04925
0.0
04107
0.0
03448
0.0
02911
0.0
02469
0.0
02102
0.0
01795
0.0
01537
0.0
01319
0.0
01134
0.0
00976
0.0
00842
0.0
00727
0.0
00628
0.0
00543
0.0
00470
0.0
00407
0.0
00353
0.0
00306
0.0
00265
0.0
00230
0.0
00200
0.0
00173
0.0
00150
0.0
00131
0.0
00113
0.0
00056
0.0
00028
0.0
00014
0.0
00007
0.0
00003
0.0
00002
0.0
00001
1.0000
2.1500
3.4725
4.9934
6.7424
8.7537
11.066
68
13.726
68
16.785
58
20.303
37
24.349
93
29.001
17
34.351
19
40.504
47
47.580
04
55.717
75
65.075
51
75.836
64
88.211
18
102.4436
118.8101
137.6316
159.2764
184.1678
212.7930
245.7120
283.5688
327.1041
377.1697
434.7451
500.9569
577.1005
664.6655
765.3654
881.1702
1779.0
09
3585.1
13
7217.7
72
14524
4
29220
0
58779
9
1.15000
0.61512
0.43798
0.35027
0.29832
0.26424
0.24036
0.22285
0.20957
0.19925
0.19107
0.18448
0.17911
0.17469
0.17102
0.16795
0.16537
0.16319
0.16134
0.15976
0.15842
0.15727
0.15628
0.15543
0.15470
0.15407
0.15353
0.15306
0.15265
0.15230
0.15200
0.15173
0.15150
0.15131
0.15113
0.15056
0.15028
0.15014
0.15007
0.15003
0.15002
0.15001
0.15000
0.15000
0.15000
0.8696
1.6257
2.2832
2.8550
3.3522
3.7845
4.1604
4.4873
4.7716
5.0188
5.2337
5.4206
5.5831
5.7245
5.8474
5.9542
6.0472
6.1280
6.1982
6.2593
6.3125
6.3587
6.3988
6.4338
6.4641
6.4906
6.5135
6.5335
6.5509
6.5660
6.5791
6.5905
6.6005
6.6091
6.6166
6.6418
6.6543
6.6605
6.6636
6.6651
6.6659
6.6663
6.6665
6.6666
6.6666
A/G Gradientt
Uniform Series
s
0.7561
2.0712
3.7864
5.7751
7.9368
10.1924
12.4807
14.7548
16.9795
19.1289
21.1849
23.1352
24.9725
26.6930
28.2960
29.7828
31.1565
32.4213
33.5822
34.6448
35.6150
36.4988
37.3023
38.0314
38.6918
39.2890
39.8283
40.3146
40.7526
41.1466
41.5006
41.8184
42.1033
42.3586
43.2830
43.8051
44.0958
44.2558
44.3431
44.3903
44.4156
44.4292
44.4364
44.4402
0.4651
0.9071
1.3263
1.7228
2.0972
2.4498
2.7813
3.0922
3.3832
3.6549
3.9082
4.1438
4.3624
4.5650
4.7522
4.9251
5.0843
5.2307
5.3651
5.4883
5.6010
5.7040
5.7979
5.8834
5.9612
6.0319
6.0960
6.1541
6.2066
6.2541
6.2970
6.3357
6.3705
6.4019
6.5168
6.5830
6.6205
6.6414
6.6530
6.6593
6.6627
6.6646
6.6656
6.6661
406
407
Interest F
Factor Tables
16%
T AB L E
Single Payments
16%

P
F/P
P/F
A/F
F/A
A/P
P//A
P/G Graadient
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
Present Worth
Comp
pound
Amo
ount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
22
24
26
28
30
32
34
35
36
38
40
45
50
55
60
1.1600
1.3
3456
1.5
5609
1.8
8106
2.1003
2.4
4364
2.8
8262
3.2
2784
3.8
8030
4.4
4114
5.1173
5.9
9360
6.8
8858
7.9
9875
9.2
2655
10.7
7480
12.4
4677
14.4
4625
16.7
7765
19.4
4608
26.1
1864
35.2
2364
47.4
4141
63.8
8004
85.8
8499
115..5196
155..4432
180..3141
209..1643
281..4515
378..7212
795..4438
167
70.70
350
09.05
737
70.20
0.8621
0.7432
2
0.6407
7
0.5523
3
0.4761
0.4104
4
0.3538
8
0.3050
0
0.2630
0
0.2267
7
0.1954
4
0.1685
5
0.1452
2
0.1252
2
0.1079
9
0.0930
0
0.0802
2
0.0691
0.0596
6
0.0514
4
0.0382
2
0.0284
4
0.0211
0.0157
7
0.0116
6
0.0087
7
0.0064
4
0.0055
5
0.0048
8
0.0036
6
0.0026
6
0.0013
3
0.0006
6
0.0003
3
0.0001
1.00000
0.46296
0.28526
0.19738
0.14541
0.11139
0.08761
0.07022
0.05708
0.04690
0.03886
0.03241
0.02718
0.02290
0.01936
0.01641
0.01395
0.01188
0.01014
0.00867
0.00635
0.00467
0.00345
0.00255
0.00189
0.00140
0.00104
0.00089
0.00077
0.00057
0.00042
0.00020
0.00010
0.00005
0.00002
1.0000
2.1600
3.5056
5.0665
6.8771
8.9775
11.4139
14.2401
17.5185
21.3215
25.7329
30.8502
36.7862
43.6720
51.6595
60.9250
71.6730
84.1407
98.6032
115.3797
157.4150
213.9776
290.0883
392.5028
530.3117
715.7475
965.2698
1120.71
1301.03
1752.82
2360.76
4965.27
10436
21925
46058
1.16000
0.62296
0.44526
0.35738
0.30541
0.27139
0.24761
0.23022
0.21708
0.20690
0.19886
0.19241
0.18718
0.18290
0.17936
0.17641
0.17395
0.17188
0.17014
0.16867
0.16635
0.16467
0.16345
0.16255
0.16189
0.16140
0.16104
0.16089
0.16077
0.16057
0.16042
0.16020
0.16010
0.16005
0.16002
0.86621
1.60052
2.24459
2.79982
3.27743
3.68847
4.03386
4.34436
4.60065
4.83332
5.02286
5.19971
5.34423
5.46675
5.57755
5.66685
5.74487
5.8 178
5.87775
5.92288
6.0 113
6.07726
6.1 182
6.15520
6.17772
6.19959
6.20098
6.2 153
6.22201
6.22278
6.23335
6.24421
6.24463
6.24482
6.24492
A/G G
Gradient
Uniform
m Series
0.74332
2.02445
3.68 14
5.58558
7.63880
9.76 10
11.89962
13.99998
16.03399
17.99941
19.84472
21.58899
23.21175
24.72284
26.12241
27.40074
28.58828
29.65557
30.63321
32.32200
33.69970
34.81114
35.70073
36.42234
36.99930
37.44441
37.63327
37.80000
38.07799
38.29992
38.65598
38.85521
38.95534
39.00063
0.44630
0.99014
1.33156
1.77060
2.00729
2.44169
2.77388
3.00391
3.33187
3.55783
3.88189
4.00413
4.22464
4.44352
4.66086
4.77676
4.99130
5.00457
5.1666
5.33765
5.55490
5.66898
5.88041
5.88964
5.99706
6.00299
6.00548
6.00771
6.1145
6.1441
6.1934
6.22201
6.22343
6.22419
Interest F
Factor Tables
18%
%

pound Interest F
Factors
T AB L E
Single Pay
yments
18%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
P/G Gradient
Present
Worth
Sin
nking
Fund
F
Compou
und
Amount
Capital
Recovery
y
Present
Worth
Present Worth
Compound
Amount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
22
24
26
28
30
32
34
35
36
38
40
45
50
55
60
1.1800
1.3924
1.6430
1.9388
2.2878
2.6996
3.1855
3.7589
4.4355
5.2338
6.1759
7.2876
8.5994
10.1472
11.9737
14.1290
16.6722
19.6733
23.2144
27.3930
38.1421
53.1090
73.9490
102.9666
143.3706
199.6293
277.9638
327.9973
387.0368
538.9100
750.3783
1716.68
3927.36
8984.84
20555
0.8475
0.7182
0.6086
0.5158
0.4371
0.3704
0.3139
0.2660
0.2255
0.1911
0.1619
0.1372
0.1163
0.0985
0.0835
0.0708
0.0600
0.0508
0.0431
0.0365
0.0262
0.0188
0.0135
0.0097
0.0070
0.0050
0.0036
0.0030
0.0026
0.0019
0.0013
0.0006
0.0003
0.0001
1.0
00000
0.4
45872
0.2
27992
0.1
19174
0.1
13978
0.1
10591
0.0
08236
0.0
06524
0.0
05239
0.0
04251
0.0
03478
0.0
02863
0.0
02369
0.0
01968
0.0
01640
0.0
01371
0.0
01149
0.0
00964
0.0
00810
0.0
00682
0.0
00485
0.0
00345
0.0
00247
0.0
00177
0.0
00126
0.0
00091
0.0
00065
0.0
00055
0.0
00047
0.0
00033
0.0
00024
0.0
00010
0.0
00005
0.0
00002
1.0000
2.1800
3.5724
5.2154
7.1542
9.4420
12.141
15
15.327
70
19.085
59
23.521
13
28.755
51
34.931
11
42.218
87
50.818
80
60.965
53
72.939
90
87.068
80
103.7403
123.4135
146.6280
206.3448
289.4945
405.2721
566.4809
790.9480
1103.5
50
1538.6
69
1816.6
65
2144.6
65
2988.3
39
4163.2
21
9531.5
58
21813
3
49910
0
11419
90
1.18000
0.63872
0.45992
0.37174
0.31978
0.28591
0.26236
0.24524
0.23239
0.22251
0.21478
0.20863
0.20369
0.19968
0.19640
0.19371
0.19149
0.18964
0.18810
0.18682
0.18485
0.18345
0.18247
0.18177
0.18126
0.18091
0.18065
0.18055
0.18047
0.18033
0.18024
0.18010
0.18005
0.18002
0.18001
0.8475
1.5656
2.1743
2.6901
3.1272
3.4976
3.8115
4.0776
4.3030
4.4941
4.6560
4.7932
4.9095
5.0081
5.0916
5.1624
5.2223
5.2732
5.3162
5.3527
5.4099
5.4509
5.4804
5.5016
5.5168
5.5277
5.5356
5.5386
5.5412
5.5452
5.5482
5.5523
5.5541
5.5549
5.5553
A/G Gradientt
Uniform Series
s
0.7182
1.9354
3.4828
5.2312
7.0834
8.9670
10.8292
12.6329
14.3525
15.9716
17.4811
18.8765
20.1576
21.3269
22.3885
23.3482
24.2123
24.9877
25.6813
26.8506
27.7725
28.4935
29.0537
29.4864
29.8191
30.0736
30.1773
30.2677
30.4152
30.5269
30.7006
30.7856
30.8268
30.8465
0.4587
0.8902
1.2947
1.6728
2.0252
2.3526
2.6558
2.9358
3.1936
3.4303
3.6470
3.8449
4.0250
4.1887
4.3369
4.4708
4.5916
4.7003
4.7978
4.9632
5.0950
5.1991
5.2810
5.3448
5.3945
5.4328
5.4485
5.4623
5.4849
5.5022
5.5293
5.5428
5.5494
5.5526
408
409
Interest F
Factor Tables
20%
T AB L E
Single Payments
20%

P
F/P
P/F
A/F
F/A
A/P
P//A
Comp
pound
Amo
ount
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
22
24
26
28
30
32
34
35
36
38
40
45
50
55
1.2
2000
1.4
4400
1.7
7280
2.0
0736
2.4
4883
2.9
9860
3.5
5832
4.2
2998
5.1598
6.1917
7.4
4301
8.9
9161
10.6
6993
12.8
8392
15.4
4070
18.4
4884
22.1
1861
26.6
6233
31.9
9480
38.3
3376
55.2
2061
79.4
4968
114..4755
164..8447
237..3763
341..8219
492..2235
590..6682
708..8019
102
20.67
146
69.77
365
57.26
910
00.44
22645
0.8333
3
0.6944
4
0.5787
7
0.4823
3
0.4019
9
0.3349
9
0.2791
0.2326
6
0.1938
8
0.1615
5
0.1346
6
0.1122
2
0.0935
5
0.0779
9
0.0649
9
0.0541
0.0451
0.0376
6
0.0313
3
0.0261
0.0181
0.0126
6
0.0087
7
0.0061
0.0042
2
0.0029
9
0.0020
0
0.0017
7
0.0014
4
0.0010
0
0.0007
7
0.0003
3
0.0001
1.00000
0.45455
0.27473
0.18629
0.13438
0.10071
0.07742
0.06061
0.04808
0.03852
0.03110
0.02526
0.02062
0.01689
0.01388
0.01144
0.00944
0.00781
0.00646
0.00536
0.00369
0.00255
0.00176
0.00122
0.00085
0.00059
0.00041
0.00034
0.00028
0.00020
0.00014
0.00005
0.00002
0.00001
1.0000
2.2000
3.6400
5.3680
7.4416
9.9299
12.9159
16.4991
20.7989
25.9587
32.1504
39.5805
48.4966
59.1959
72.0351
87.4421
105.9306
128.1167
154.7400
186.6880
271.0307
392.4842
567.3773
819.2233
1181.88
1704.11
2456.12
2948.34
3539.01
5098.37
7343.86
18281
45497
1.20000
0.65455
0.47473
0.38629
0.33438
0.30071
0.27742
0.26061
0.24808
0.23852
0.23110
0.22526
0.22062
0.21689
0.21388
0.21144
0.20944
0.20781
0.20646
0.20536
0.20369
0.20255
0.20176
0.20122
0.20085
0.20059
0.20041
0.20034
0.20028
0.20020
0.20014
0.20005
0.20002
0.20001
0.83333
1.52278
2.10065
2.58887
2.99906
3.32255
3.60046
3.83372
4.03310
4.19925
4.32271
4.43392
4.53327
4.6 106
4.67755
4.72296
4.77746
4.8 122
4.84435
4.86696
4.90094
4.93371
4.95563
4.96697
4.97789
4.98854
4.98898
4.99915
4.99929
4.99951
4.99966
4.99986
4.99995
4.99998
P/G Graadient
Present Worth
A/G G
Gradient
Uniform
m Series
0.69444
1.85 19
3.29886
4.90661
6.58006
8.25551
9.88331
11.43335
12.88871
14.23330
15.46667
16.58883
17.60008
18.50095
19.32208
20.04419
20.68805
21.24439
21.73395
22.55546
23.17760
23.64460
23.99991
24.26628
24.45588
24.60038
24.66614
24.71108
24.78894
24.84469
24.93316
24.96698
24.98868
0.44545
0.88791
1.22742
1.66405
1.99788
2.22902
2.55756
2.88364
3.00739
3.22893
3.44841
3.66597
3.88175
3.99588
4.00851
4.1976
4.22975
4.33861
4.44643
4.55941
4.66943
4.77709
4.88291
4.88731
4.99061
4.99308
4.99406
4.99491
4.99627
4.99728
4.99877
4.99945
4.99976
Interest F
Factor Tables
22%
%

pound Interest F
Factors
T AB L E
Single Pay
yments
22%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
Compound
Amount
Present
Worth
Sin
nking
Fund
F
Compou
und
Amount
Capital
Recovery
y
Present
Worth
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
22
24
26
28
30
32
34
35
36
38
40
45
50
55
1.2200
1.4884
1.8158
2.2153
2.7027
3.2973
4.0227
4.9077
5.9874
7.3046
8.9117
10.8722
13.2641
16.1822
19.7423
24.0856
29.3844
35.8490
43.7358
53.3576
79.4175
118.2050
175.9364
261.8637
389.7579
580.1156
863.4441
1053.40
1285.15
1912.82
2847.04
7694.71
20797
56207
0.8197
0.6719
0.5507
0.4514
0.3700
0.3033
0.2486
0.2038
0.1670
0.1369
0.1122
0.0920
0.0754
0.0618
0.0507
0.0415
0.0340
0.0279
0.0229
0.0187
0.0126
0.0085
0.0057
0.0038
0.0026
0.0017
0.0012
0.0009
0.0008
0.0005
0.0004
0.0001
1.0
00000
0.4
45045
0.2
26966
0.1
18102
0.1
12921
0.0
09576
0.0
07278
0.0
05630
0.0
04411
0.0
03489
0.0
02781
0.0
02228
0.0
01794
0.0
01449
0.0
01174
0.0
00953
0.0
00775
0.0
00631
0.0
00515
0.0
00420
0.0
00281
0.0
00188
0.0
00126
0.0
00084
0.0
00057
0.0
00038
0.0
00026
0.0
00021
0.0
00017
0.0
00012
0.0
00008
0.0
00003
0.0
00001
1.0000
2.2200
3.7084
5.5242
7.7396
10.442
23
13.739
96
17.762
23
22.670
00
28.657
74
35.962
20
44.873
37
55.745
59
69.010
00
85.192
22
104.9345
129.0201
158.4045
194.2535
237.9893
356.4432
532.7501
795.1653
1185.7
74
1767.0
08
2632.3
34
3920.2
20
4783.6
64
5837.0
05
8690.0
08
12937
7
34971
1
94525
5
1.22000
0.67045
0.48966
0.40102
0.34921
0.31576
0.29278
0.27630
0.26411
0.25489
0.24781
0.24228
0.23794
0.23449
0.23174
0.22953
0.22775
0.22631
0.22515
0.22420
0.22281
0.22188
0.22126
0.22084
0.22057
0.22038
0.22026
0.22021
0.22017
0.22012
0.22008
0.22003
0.22001
0.22000
0.8197
1.4915
2.0422
2.4936
2.8636
3.1669
3.4155
3.6193
3.7863
3.9232
4.0354
4.1274
4.2028
4.2646
4.3152
4.3567
4.3908
4.4187
4.4415
4.4603
4.4882
4.5070
4.5196
4.5281
4.5338
4.5376
4.5402
4.5411
4.5419
4.5431
4.5439
4.5449
4.5452
4.5454
P/G Gradient
Present Worth
A/G Gradientt
Uniform Series
s
0.6719
1.7733
3.1275
4.6075
6.1239
7.6154
9.0417
10.3779
11.6100
12.7321
13.7438
14.6485
15.4519
16.1610
16.7838
17.3283
17.8025
18.2141
18.5702
19.1418
19.5635
19.8720
20.0962
20.2583
20.3748
20.4582
20.4905
20.5178
20.5601
20.5900
20.6319
20.6492
20.6563
0.4505
0.8683
1.2542
1.6090
1.9337
2.2297
2.4982
2.7409
2.9593
3.1551
3.3299
3.4855
3.6233
3.7451
3.8524
3.9465
4.0289
4.1009
4.1635
4.2649
4.3407
4.3968
4.4381
4.4683
4.4902
4.5060
4.5122
4.5174
4.5256
4.5314
4.5396
4.5431
4.5445
410
411
Interest F
Factor Tables
24%
T AB L E
Single Payments
n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
22
24
26
28
30
32
34
35
36
38
40
45
50
55
24%

P
A
F/P
P/F
A/F
F/A
A/P
P//A
Comp
pound
Amount
Presen
nt
Worth
h
Sinking
Fund
Compound
Amount
Capital
Recovery
R
Pressent
Wo
orth
1.2
2400
1.5
5376
1.9
9066
2.3
3642
2.9
9316
3.6
6352
4.5
5077
5.5
5895
6.9
9310
8.5
5944
10.6
6571
13.2
2148
16.3
3863
20.3
3191
25.1956
31.2
2426
38.7
7408
48.0
0386
59.5
5679
73.8
8641
113..5735
174..6306
268..5121
412..8642
634..8199
976..0991
150
00.85
186
61.05
230
07.71
354
48.33
545
55.91
15995
46890
0.8065
5
0.6504
4
0.5245
5
0.4230
0
0.3411
1
0.2751
1
0.2218
8
0.1789
9
0.1443
3
0.1164
4
0.0938
8
0.0757
7
0.0610
0
0.0492
2
0.0397
7
0.0320
0
0.0258
8
0.0208
8
0.0168
8
0.0135
5
0.0088
8
0.0057
7
0.0037
7
0.0024
4
0.0016
6
0.0010
0
0.0007
7
0.0005
5
0.0004
4
0.0003
3
0.0002
2
0.0001
1
1.00000
0.44643
0.26472
0.17593
0.12425
0.09107
0.06842
0.05229
0.04047
0.03160
0.02485
0.01965
0.01560
0.01242
0.00992
0.00794
0.00636
0.00510
0.00410
0.00329
0.00213
0.00138
0.00090
0.00058
0.00038
0.00025
0.00016
0.00013
0.00010
0.00007
0.00004
0.00002
0.00001
1.0000
2.2400
3.7776
5.6842
8.0484
10.9801
14.6153
19.1229
24.7125
31.6434
40.2379
50.8950
64.1097
80.4961
100.8151
126.0108
157.2534
195.9942
244.0328
303.6006
469.0563
723.4610
1114.63
1716.10
2640.92
4062.91
6249.38
7750.23
9611.28
14781
22729
66640
1.24000
0.68643
0.50472
0.41593
0.36425
0.33107
0.30842
0.29229
0.28047
0.27160
0.26485
0.25965
0.25560
0.25242
0.24992
0.24794
0.24636
0.24510
0.24410
0.24329
0.24213
0.24138
0.24090
0.24058
0.24038
0.24025
0.24016
0.24013
0.24010
0.24007
0.24004
0.24002
0.24001
0.24000
0.80065
1.45568
1.98813
2.40043
2.74454
3.02205
3.24423
3.42212
3.56655
3.68819
3.77757
3.85514
3.9 124
3.96616
4.00013
4.03333
4.05591
4.07799
4.09967
4.1 103
4.13300
4.14428
4.15511
4.15566
4.16601
4.16624
4.16639
4.16664
4.16649
4.16655
4.16659
4.16664
4.16666
4.16666
P/G Graadient
Present Worth
A/G G
Gradient
Uniform Series
0.65004
1.69993
2.96883
4.33227
5.70881
7.03992
8.29 15
9.44558
10.49930
11.43313
12.26637
12.99960
13.63358
14.19915
14.67716
15.08846
15.43385
15.74406
15.99979
16.40011
16.68891
16.89930
17.03365
17.13369
17.20067
17.25552
17.27734
17.28886
17.31116
17.32274
17.34483
17.35563
17.35593
0.44464
0.8577
1.22346
1.55782
1.8898
2.1710
2.44236
2.66492
2.8499
3.00276
3.1843
3.33218
3.44420
3.55467
3.66376
3.77162
3.77840
3.8423
3.8922
3.99712
4.00284
4.00695
4.00987
4.1193
4.1338
4.1440
4.1479
4.1511
4.1560
4.1593
4.1639
4.1653
4.1663
Interest F
Factor Tables
25%
%

pound Interest F
Factors
T AB L E
Single Pay
yments
n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
22
24
26
28
30
32
34
35
36
38
40
45
50
55
25%
%
Uniform
m Series Payments
s
Arithmetic
c Gradients
F/P
P/F
A/F
A
F/A
A
A/P
P/A
P/G Gradient
Compound
Amount
Present
Worth
Sin
nking
Fund
F
Compou
und
Amount
Capital
Recovery
y
Present
Worth
Present Worth
1.2500
1.5625
1.9531
2.4414
3.0518
3.8147
4.7684
5.9605
7.4506
9.3132
11.6415
14.5519
18.1899
22.7374
28.4217
35.5271
44.4089
55.5112
69.3889
86.7362
135.5253
211.7582
330.8722
516.9879
807.7936
1262.18
1972.15
2465.19
3081.49
4814.82
7523.16
22959
70065
0.8000
0.6400
0.5120
0.4096
0.3277
0.2621
0.2097
0.1678
0.1342
0.1074
0.0859
0.0687
0.0550
0.0440
0.0352
0.0281
0.0225
0.0180
0.0144
0.0115
0.0074
0.0047
0.0030
0.0019
0.0012
0.0008
0.0005
0.0004
0.0003
0.0002
0.0001
1.0
00000
0.4
44444
0.2
26230
0.1
17344
0.1
12185
0.0
08882
0.0
06634
0.0
05040
0.0
03876
0.0
03007
0.0
02349
0.0
01845
0.0
01454
0.0
01150
0.0
00912
0.0
00724
0.0
00576
0.0
00459
0.0
00366
0.0
00292
0.0
00186
0.0
00119
0.0
00076
0.0
00048
0.0
00031
0.0
00020
0.0
00013
0.0
00010
0.0
00008
0.0
00005
0.0
00003
0.0
00001
1.0000
2.2500
3.8125
5.7656
8.2070
11.258
88
15.073
35
19.841
19
25.802
23
33.252
29
42.566
61
54.207
77
68.759
96
86.949
95
109.6868
138.1085
173.6357
218.0446
273.5558
342.9447
538.1011
843.0329
1319.4
49
2063.9
95
3227.1
17
5044.7
71
7884.6
61
9856.7
76
12322
2
19255
5
30089
9
91831
1
1.25000
0.69444
0.51230
0.42344
0.37185
0.33882
0.31634
0.30040
0.28876
0.28007
0.27349
0.26845
0.26454
0.26150
0.25912
0.25724
0.25576
0.25459
0.25366
0.25292
0.25186
0.25119
0.25076
0.25048
0.25031
0.25020
0.25013
.025010
0.25008
0.25005
0.25003
0.25001
0.25000
0.25000
0.8000
1.4400
1.9520
2.3616
2.6893
2.9514
3.1611
3.3289
3.4631
3.5705
3.6564
3.7251
3.7801
3.8241
3.8593
3.8874
3.9099
3.9279
3.9424
3.9539
3.9705
3.9811
3.9879
3.9923
3.9950
3.9968
3.9980
3.9984
3.9987
3.9992
3.9995
3.9998
3.9999
4.0000
A/G Gradientt
Uniform Series
s
0.6400
1.6640
2.8928
4.2035
5.5142
6.7725
7.9469
9.0207
9.9870
10.8460
11.6020
12.2617
12.8334
13.3260
13.7482
14.1085
14.4147
14.6741
14.8932
15.2326
15.4711
15.6373
15.7524
15.8316
15.8859
15.9229
15.9367
15.9481
15.9651
15.9766
15.9915
15.9969
15.9989
0.4444
0.8525
1.2249
1.5631
1.8683
2.1424
2.3872
2.6048
2.7971
2.9663
3.1145
3.2437
3.3559
3.4530
3.5366
3.6084
3.6698
3.7222
3.7667
3.8365
3.8861
3.9212
3.9457
3.9628
3.9746
3.9828
3.9858
3.9883
3.9921
3.9947
3.9980
3.9993
3.9997
412
413
Interest F
Factor Tables
30%
30%
Single Paymentts
26 Diiscrete Cash Fllow: Compounnd Interest Facttors
T AB L E
Arithmetic Grad
dients
F/P
P/F
P
A/F
F/A
A/P
P/A
P/G
G Gradient
Prresent
Worth
W
Sinking
Fund
Compound
Amount
Capital
Recovery
Present
Worth
Pres
sent Worth
Compound
C
Amount
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
22
24
25
26
28
30
32
34
35
1.3000
1.6900
2.1970
2.8561
3.7129
4.8268
6.2749
8.1573
10.6045
13.7858
17.9216
23.2981
30.2875
39.3738
51.1859
66.5417
86.5042
112.4554
146.1920
190.0496
321.1839
542.8008
705.6410
917.3333
1550.29
2620.00
4427.79
7482.97
9727.86
0..7692
0..5917
0..4552
0..3501
0..2693
0..2072
0..1594
0..1226
0..0943
0..0725
0..0558
0..0429
0..0330
0..0254
0..0195
0..0150
0..0116
0..0089
0..0068
0..0053
0..0031
0..0018
0..0014
0..0011
0..0006
0..0004
0..0002
0..0001
0..0001
1.00000
0.43478
0.25063
0.16163
0.11058
0.07839
0.05687
0.04192
0.03124
0.02346
0.01773
0.01345
0.01024
0.00782
0.00598
0.00458
0.00351
0.00269
0.00207
0.00159
0.00094
0.00055
0.00043
0.00033
0.00019
0.00011
0.00007
0.00004
0.00003
1.0000
2.3000
3.9900
6.1870
9.0431
12.7560
17.5828
23.8577
32.0150
42.6195
56.4053
74.3270
97.6250
127.9125
167.2863
218.4722
285.0139
371.5180
483.9734
630.1655
1067.28
1806.00
2348.80
3054.44
5164.31
8729.99
14756
24940
32423
1.30000
0.73478
0.55063
0.46163
0.41058
0.37839
0.35687
0.34192
0.33124
0.32346
0.31773
0.31345
0.31024
0.30782
0.30598
0.30458
0.30351
0.30269
0.30207
0.30159
0.30094
0.30055
0.30043
0.30033
0.30019
0.30011
0.30007
0.30004
0.30003
0.7692
1.3609
1.8161
2.1662
2.4356
2.6427
2.8021
2.9247
3.0190
3.0915
3.1473
3.1903
3.2233
3.2487
3.2682
3.2832
3.2948
3.3037
3.3105
3.3158
3.3230
3.3272
3.3286
3.3297
3.3312
3.3321
3.3326
3.3329
3.3330
A
A/G Gradient
Un
niform Series
0.5917
1.5020
2.5524
3.6297
4.6656
5.6218
6.4800
7.2343
7.8872
8.4452
8.9173
9.3135
9.6437
9.9172
10.1426
10.3276
10.4788
10.6019
10.7019
10.8482
10.9433
10.9773
11.0045
11.0437
11.0687
11.0845
11.0945
11.0980
0.4348
0.8271
1.1783
1.4903
1.7654
2.0063
2.2156
2.3963
2.5512
2.6833
2.7952
2.8895
2.9685
3.0344
3.0892
3.1345
3.1718
3.2025
3.2275
3.2646
3.2890
3.2979
3.3050
3.3153
3.3219
3.3261
3.3288
3.3297

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Compound Interest Factor Tables

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Interest Factor Tables

1 Discrete Cash Flow: Compound Interest Factors

Uniform Series Payments

2 Discreete Cash Flow: Compound Intterest Factors

Uniform Series Payments

4 Discreete Cash Flow: Compound Intterest Factors

Uniform Series Payments

6 Discreete Cash Flow: Compound Intterest Factors

Uniform Series Payments

8 Discreete Cash Flow: Compound Intterest Factors

Uniform Series Payments

10 Discreete Cash Flow:: Compound Innterest Factors

Uniform Series Payments

11 Discrete Cassh Flow: Comp

12 Discreete Cash Flow:: Compound Innterest Factors

Uniform Series Payments

13 Discrete Cassh Flow: Comp

14 Discreete Cash Flow:: Compound Innterest Factors

Uniform Series Payments

15 Discrete Cassh Flow: Comp

16 Discreete Cash Flow:: Compound Innterest Factors

Uniform Series Payments

17 Discrete Cassh Flow: Comp

18 Discreete Cash Flow:: Compound Innterest Factors

Uniform Series Payments

19 Discrete Cassh Flow: Comp

20 Discreete Cash Flow:: Compound Innterest Factors

Uniform Series Payments

21 Discrete Cassh Flow: Comp

22 Discreete Cash Flow:: Compound Innterest Factors

Uniform Series Payments

23 Discrete Cassh Flow: Comp

24 Discreete Cash Flow:: Compound Innterest Factors

Uniform Series Payments

25 Discrete Cassh Flow: Comp

26 Diiscrete Cash Fllow: Compounnd Interest Facttors

Uniform Series Payments

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