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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
n
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%
Uniform Series Payments P
A Arithmetic Gradients
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
n
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
n
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
4 Discreete Cash Flow: Compound Intterest Factors
Single Payments
1%
Uniform Series Payments 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
n
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
n
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
6 Discreete Cash Flow: Compound Intterest Factors
Single Payments
1.5%
Uniform Series Payments 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
n
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
n
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
8 Discreete Cash Flow: Compound Intterest Factors
Single Payments
3%
Uniform Series Payments 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
n
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
n
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%
Uniform Series Payments 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
n
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
n
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%
12 Discreete Cash Flow:: Compound Innterest Factors
T AB L E
Single Payments
7%
Uniform Series Payments P
Arithmetic Gradientts
F/P
P/F
A/F
F/A
A/P
P//A
n
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%
13 Discrete Cassh Flow: Comp 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
n
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%
14 Discreete Cash Flow:: Compound Innterest Factors
T AB L E
Single Payments
9%
Uniform Series Payments 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
n
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% %
15 Discrete Cassh Flow: Comp 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
n
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%
16 Discreete Cash Flow:: Compound Innterest Factors
T AB L E
Single Payments
11%
Uniform Series Payments 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
n
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% %
17 Discrete Cassh Flow: Comp 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
n
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%
18 Discreete Cash Flow:: Compound Innterest Factors
T AB L E
Single Payments
14%
Uniform Series Payments P
A Arithmetic Gradients
F/P
P/F
A/F
F/A
A/P
P//A
n
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% %
19 Discrete Cassh Flow: Comp 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%
20 Discreete Cash Flow:: Compound Innterest Factors
T AB L E
Single Payments
16%
Uniform Series Payments 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
n
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% %
21 Discrete Cassh Flow: Comp 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
n
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%
22 Discreete Cash Flow:: Compound Innterest Factors
T AB L E
Single Payments
20%
Uniform Series Payments P
Arithmetic Gradientts
F/P
P/F
A/F
F/A
A/P
P//A
n
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% %
23 Discrete Cassh Flow: Comp 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
n
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%
24 Discreete Cash Flow:: Compound Innterest Factors
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%
Uniform Series Payments P
A Arithmetic Gradients
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% %
25 Discrete Cassh Flow: Comp 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
Uniform Series Payments
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
n
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
