580

Reference Materials

Websites

Construction cost estimation index: www.construction.com

U.S. Government Publications (available at

Corporations, Publication 544, Internal Revenue Service, GPO, Washington, DC, annually.
Sales and Other Dispositions of Assets, Publication 542, Internal Revenue Service, GPO, Washington,

DC, annually.

Your Federal Income Tax, Publication 17, Internal Revenue Service, GPO, Washington, DC, annually.

Selected Journals and Other Publications

The Engineering Economist, joint publication of ASEE and IIE, published by Taylor and Francis,

Philadelphia, quarterly.

Harvard Business Review, Harvard University Press, Boston, bimonthly.

bimonthly.

bla76302_references_579-580.indd

580

1/14/11

11:23 PM

581

Compound Interest Factor Tables

0.25%

0.25%

TABLE 1 Discrete Cash Flow: Compound Interest Factors

Uniform Series Payments

Capital
Recovery
AyP

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0025

0.9975

1.00000

1.0000

1.00250

0.9975

1.0050

0.9950

0.49938

2.0025

0.50188

1.9925

1.0075

0.9925

0.33250

3.0075

0.9950

0.4994

0.33500

2.9851

2.9801

1.0100

0.9901

0.24906

0.9983

4.0150

0.25156

3.9751

5.9503

1.4969

1.0126

0.9876

1.0151

0.9851

0.19900

5.0251

0.20150

4.9627

9.9007

1.9950

0.16563

6.0376

0.16813

5.9478

14.8263

1.0176

2.4927

0.9827

0.14179

7.0527

0.14429

6.9305

20.7223

2.9900

1.0202

0.9802

0.12391

8.0704

0.12641

7.9107

27.5839

3.4869

1.0227

0.9778

0.11000

9.0905

0.11250

8.8885

35.4061

3.9834

10

1.0253

0.9753

0.09888

10.1133

0.10138

9.8639

44.1842

4.4794

11

1.0278

0.9729

0.08978

11.1385

0.09228

10.8368

53.9133

4.9750

12

1.0304

0.9705

0.08219

12.1664

0.08469

11.8073

64.5886

5.4702

13

1.0330

0.9681

0.07578

13.1968

0.07828

12.7753

76.2053

5.9650

14

1.0356

0.9656

0.07028

14.2298

0.07278

13.7410

88.7587

6.4594

15

1.0382

0.9632

0.06551

15.2654

0.06801

14.7042

102.2441

6.9534

16

1.0408

0.9608

0.06134

16.3035

0.06384

15.6650

116.6567

7.4469

17

1.0434

0.9584

0.05766

17.3443

0.06016

16.6235

131.9917

7.9401

18

1.0460

0.9561

0.05438

18.3876

0.05688

17.5795

148.2446

8.4328

19

1.0486

0.9537

0.05146

19.4336

0.05396

18.5332

165.4106

8.9251

20

1.0512

0.9513

0.04882

20.4822

0.05132

19.4845

183.4851

9.4170

21

1.0538

0.9489

0.04644

21.5334

0.04894

20.4334

202.4634

9.9085

22

1.0565

0.9466

0.04427

22.5872

0.04677

21.3800

222.3410

10.3995

23

1.0591

0.9442

0.04229

23.6437

0.04479

22.3241

243.1131

10.8901

24

1.0618

0.9418

0.04048

24.7028

0.04298

23.2660

264.7753

11.3804

25

1.0644

0.9395

0.03881

25.7646

0.04131

24.2055

287.3230

11.8702

26

1.0671

0.9371

0.03727

26.8290

0.03977

25.1426

310.7516

12.3596

27

1.0697

0.9348

0.03585

27.8961

0.03835

26.0774

335.0566

12.8485

28

1.0724

0.9325

0.03452

28.9658

0.03702

27.0099

360.2334

13.3371

29

1.0751

0.9301

0.03329

30.0382

0.03579

27.9400

386.2776

13.8252

30

1.0778

0.9278

0.03214

31.1133

0.03464

28.8679

413.1847

14.3130

36

1.0941

0.9140

0.02658

37.6206

0.02908

34.3865

592.4988

17.2306

40

1.1050

0.9050

0.02380

42.0132

0.02630

38.0199

728.7399

19.1673

48

1.1273

0.8871

0.01963

50.9312

0.02213

45.1787

1040.06

23.0209

50

1.1330

0.8826

0.01880

53.1887

0.02130

46.9462

1125.78

23.9802

52

1.1386

0.8782

0.01803

55.4575

0.02053

48.7048

1214.59

24.9377

55

1.1472

0.8717

0.01698

58.8819

0.01948

51.3264

1353.53

26.3710

60

1.1616

0.8609

0.01547

64.6467

0.01797

55.6524

1600.08

28.7514

72

1.1969

0.8355

0.01269

78.7794

0.01519

65.8169

2265.56

34.4221

75

1.2059

0.8292

0.01214

82.3792

0.01464

68.3108

2447.61

35.8305

84

1.2334

0.8108

0.01071

93.3419

0.01321

75.6813

3029.76

40.0331

90

1.2520

0.7987

0.00992

100.7885

0.01242

80.5038

3446.87

42.8162

96

1.2709

0.7869

0.00923

108.3474

0.01173

85.2546

3886.28

45.5844

100

1.2836

0.7790

0.00881

113.4500

0.01131

88.3825

4191.24

47.4216

108

1.3095

0.7636

0.00808

123.8093

0.01058

94.5453

4829.01

51.0762

120

1.3494

0.7411

0.00716

139.7414

0.00966

103.5618

5852.11

56.5084

132

1.3904

0.7192

0.00640

156.1582

0.00890

112.3121

6950.01

61.8813

144

1.4327

0.6980

0.00578

173.0743

0.00828

120.8041

8117.41

67.1949

240

1.8208

0.5492

0.00305

328.3020

0.00555

180.3109

19399

107.5863

360

2.4568

0.4070

0.00172

582.7369

0.00422

237.1894

36264

152.8902

480

3.3151

0.3016

0.00108

926.0595

0.00358

279.3418

53821

192.6699

582

Compound Interest Factor Tables

0.5%

TABLE 2

0.5%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0050

0.9950

1.00000

1.0000

1.00500

0.9950

1.0100

0.9901

0.49875

2.0050

0.50375

1.0151

0.9851

0.33167

3.0150

0.33667

1.9851

0.9901

0.4988

2.9702

2.9604

1.0202

0.9802

0.24813

4.0301

0.9967

0.25313

3.9505

5.9011

1.0253

0.9754

0.19801

1.4938

5.0503

0.20301

4.9259

9.8026

1.9900

1.0304

0.9705

1.0355

0.9657

0.16460

6.0755

0.16960

5.8964

14.6552

2.4855

0.14073

7.1059

0.14573

6.8621

20.4493

1.0407

2.9801

0.9609

0.12283

8.1414

0.12783

7.8230

27.1755

3.4738

1.0459

0.9561

0.10891

9.1821

0.11391

8.7791

34.8244

3.9668

10

1.0511

0.9513

0.09777

10.2280

0.10277

9.7304

43.3865

4.4589

11

1.0564

0.9466

0.08866

11.2792

0.09366

10.6770

52.8526

4.9501

12

1.0617

0.9419

0.08107

12.3356

0.08607

11.6189

63.2136

5.4406

13

1.0670

0.9372

0.07464

13.3972

0.07964

12.5562

74.4602

5.9302

14

1.0723

0.9326

0.06914

14.4642

0.07414

13.4887

86.5835

6.4190

15

1.0777

0.9279

0.06436

15.5365

0.06936

14.4166

99.5743

6.9069

16

1.0831

0.9233

0.06019

16.6142

0.06519

15.3399

113.4238

7.3940

17

1.0885

0.9187

0.05651

17.6973

0.06151

16.2586

128.1231

7.8803

18

1.0939

0.9141

0.05323

18.7858

0.05823

17.1728

143.6634

8.3658

19

1.0994

0.9096

0.05030

19.8797

0.05530

18.0824

160.0360

8.8504

20

1.1049

0.9051

0.04767

20.9791

0.05267

18.9874

177.2322

9.3342

21

1.1104

0.9006

0.04528

22.0840

0.05028

19.8880

195.2434

9.8172

22

1.1160

0.8961

0.04311

23.1944

0.04811

20.7841

214.0611

10.2993

23

1.1216

0.8916

0.04113

24.3104

0.04613

21.6757

233.6768

10.7806

24

1.1272

0.8872

0.03932

25.4320

0.04432

22.5629

254.0820

11.2611

25

1.1328

0.8828

0.03765

26.5591

0.04265

23.4456

275.2686

11.7407

26

1.1385

0.8784

0.03611

27.6919

0.04111

24.3240

297.2281

12.2195

27

1.1442

0.8740

0.03469

28.8304

0.03969

25.1980

319.9523

12.6975

28

1.1499

0.8697

0.03336

29.9745

0.03836

26.0677

343.4332

13.1747

29

1.1556

0.8653

0.03213

31.1244

0.03713

26.9330

367.6625

13.6510

30

1.1614

0.8610

0.03098

32.2800

0.03598

27.7941

392.6324

14.1265

36

1.1967

0.8356

0.02542

39.3361

0.03042

32.8710

557.5598

16.9621

40

1.2208

0.8191

0.02265

44.1588

0.02765

36.1722

681.3347

18.8359

48

1.2705

0.7871

0.01849

54.0978

0.02349

42.5803

959.9188

22.5437

50

1.2832

0.7793

0.01765

56.6452

0.02265

44.1428

1035.70

23.4624

52

1.2961

0.7716

0.01689

59.2180

0.02189

45.6897

1113.82

24.3778

55

1.3156

0.7601

0.01584

63.1258

0.02084

47.9814

1235.27

25.7447

60

1.3489

0.7414

0.01433

69.7700

0.01933

51.7256

1448.65

28.0064

72

1.4320

0.6983

0.01157

86.4089

0.01657

60.3395

2012.35

33.3504

75

1.4536

0.6879

0.01102

90.7265

0.01602

62.4136

2163.75

34.6679

84

1.5204

0.6577

0.00961

104.0739

0.01461

68.4530

2640.66

38.5763

90

1.5666

0.6383

0.00883

113.3109

0.01383

72.3313

2976.08

41.1451

96

1.6141

0.6195

0.00814

122.8285

0.01314

76.0952

3324.18

43.6845

100

1.6467

0.6073

0.00773

129.3337

0.01273

78.5426

3562.79

45.3613

108

1.7137

0.5835

0.00701

142.7399

0.01201

83.2934

4054.37

48.6758

120

1.8194

0.5496

0.00610

163.8793

0.01110

90.0735

4823.51

53.5508

132

1.9316

0.5177

0.00537

186.3226

0.01037

96.4596

5624.59

58.3103

144

2.0508

0.4876

0.00476

210.1502

0.00976

102.4747

6451.31

62.9551

240

3.3102

0.3021

0.00216

462.0409

0.00716

139.5808

13416

96.1131

360

6.0226

0.1660

0.00100

1004.52

0.00600

166.7916

21403

128.3236

480

10.9575

0.0913

0.00050

1991.49

0.00550

181.7476

27588

151.7949

583

Compound Interest Factor Tables

0.75%

TABLE 3

0.75%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0075

0.9926

1.00000

1.0000

1.00750

0.9926

1.0151

0.9852

0.49813

2.0075

0.50563

1.0227

0.9778

0.33085

3.0226

0.33835

1.9777

0.9852

0.4981

2.9556

2.9408

1.0303

0.9706

0.24721

4.0452

0.9950

0.25471

3.9261

5.8525

1.0381

0.9633

0.19702

1.4907

5.0756

0.20452

4.8894

9.7058

1.0459

0.9562

1.9851

0.16357

6.1136

0.17107

5.8456

14.4866

2.4782

1.0537

1.0616

0.9490

0.13967

7.1595

0.14717

6.7946

20.1808

2.9701

0.9420

0.12176

8.2132

0.12926

7.7366

26.7747

3.4608

1.0696

0.9350

0.10782

9.2748

0.11532

8.6716

34.2544

3.9502

10

1.0776

0.9280

0.09667

10.3443

0.10417

9.5996

42.6064

4.4384

11

1.0857

0.9211

0.08755

11.4219

0.09505

10.5207

51.8174

4.9253

12

1.0938

0.9142

0.07995

12.5076

0.08745

11.4349

61.8740

5.4110

13

1.1020

0.9074

0.07352

13.6014

0.08102

12.3423

72.7632

5.8954

14

1.1103

0.9007

0.06801

14.7034

0.07551

13.2430

84.4720

6.3786

15

1.1186

0.8940

0.06324

15.8137

0.07074

14.1370

96.9876

6.8606

16

1.1270

0.8873

0.05906

16.9323

0.06656

15.0243

110.2973

7.3413

17

1.1354

0.8807

0.05537

18.0593

0.06287

15.9050

124.3887

7.8207

18

1.1440

0.8742

0.05210

19.1947

0.05960

16.7792

139.2494

8.2989

19

1.1525

0.8676

0.04917

20.3387

0.05667

17.6468

154.8671

8.7759

20

1.1612

0.8612

0.04653

21.4912

0.05403

18.5080

171.2297

9.2516

21

1.1699

0.8548

0.04415

22.6524

0.05165

19.3628

188.3253

9.7261

22

1.1787

0.8484

0.04198

23.8223

0.04948

20.2112

206.1420

10.1994

23

1.1875

0.8421

0.04000

25.0010

0.04750

21.0533

224.6682

10.6714

24

1.1964

0.8358

0.03818

26.1885

0.04568

21.8891

243.8923

11.1422

25

1.2054

0.8296

0.03652

27.3849

0.04402

22.7188

263.8029

11.6117

26

1.2144

0.8234

0.03498

28.5903

0.04248

23.5422

284.3888

12.0800

27

1.2235

0.8173

0.03355

29.8047

0.04105

24.3595

305.6387

12.5470

28

1.2327

0.8112

0.03223

31.0282

0.03973

25.1707

327.5416

13.0128

29

1.2420

0.8052

0.03100

32.2609

0.03850

25.9759

350.0867

13.4774

30

1.2513

0.7992

0.02985

33.5029

0.03735

26.7751

373.2631

13.9407

36

1.3086

0.7641

0.02430

41.1527

0.03180

31.4468

524.9924

16.6946

40

1.3483

0.7416

0.02153

46.4465

0.02903

34.4469

637.4693

18.5058

48

1.4314

0.6986

0.01739

57.5207

0.02489

40.1848

886.8404

22.0691

50

1.4530

0.6883

0.01656

60.3943

0.02406

41.5664

953.8486

22.9476

52

1.4748

0.6780

0.01580

63.3111

0.02330

42.9276

1022.59

23.8211

55

1.5083

0.6630

0.01476

67.7688

0.02226

44.9316

1128.79

25.1223

60

1.5657

0.6387

0.01326

75.4241

0.02076

48.1734

1313.52

27.2665

72

1.7126

0.5839

0.01053

95.0070

0.01803

55.4768

1791.25

32.2882

75

1.7514

0.5710

0.00998

100.1833

0.01748

57.2027

1917.22

33.5163

84

1.8732

0.5338

0.00859

116.4269

0.01609

62.1540

2308.13

37.1357

90

1.9591

0.5104

0.00782

127.8790

0.01532

65.2746

2578.00

39.4946
41.8107

96

2.0489

0.4881

0.00715

139.8562

0.01465

68.2584

2853.94

100

2.1111

0.4737

0.00675

148.1445

0.01425

70.1746

3040.75

43.3311

108

2.2411

0.4462

0.00604

165.4832

0.01354

73.8394

3419.90

46.3154

120

2.4514

0.4079

0.00517

193.5143

0.01267

78.9417

3998.56

50.6521

132

2.6813

0.3730

0.00446

224.1748

0.01196

83.6064

4583.57

54.8232

144

2.9328

0.3410

0.00388

257.7116

0.01138

87.8711

5169.58

58.8314

240

6.0092

0.1664

0.00150

667.8869

0.00900

111.1450

9494.12

85.4210

360

14.7306

0.0679

0.00055

1830.74

0.00805

124.2819

13312

107.1145

480

36.1099

0.0277

0.00021

4681.32

0.00771

129.6409

15513

119.6620

584

Compound Interest Factor Tables

1%

TABLE 4

1%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0100

0.9901

1.00000

1.0000

1.01000

0.9901

1.0201

0.9803

0.49751

2.0100

0.50751

1.0303

0.9706

0.33002

3.0301

0.34002

1.9704

0.9803

0.4975

2.9410

2.9215

1.0406

0.9610

0.24628

4.0604

0.9934

0.25628

3.9020

5.8044

1.0510

0.9515

0.19604

1.4876

5.1010

0.20604

4.8534

9.6103

1.0615

0.9420

1.9801

0.16255

6.1520

0.17255

5.7955

14.3205

1.0721

2.4710

0.9327

0.13863

7.2135

0.14863

6.7282

19.9168

2.9602

1.0829

0.9235

0.12069

8.2857

0.13069

7.6517

26.3812

3.4478

1.0937

0.9143

0.10674

9.3685

0.11674

8.5660

33.6959

3.9337

10

1.1046

0.9053

0.09558

10.4622

0.10558

9.4713

41.8435

4.4179

11

1.1157

0.8963

0.08645

11.5668

0.09645

10.3676

50.8067

4.9005

12

1.1268

0.8874

0.07885

12.6825

0.08885

11.2551

60.5687

5.3815

13

1.1381

0.8787

0.07241

13.8093

0.08241

12.1337

71.1126

5.8607

14

1.1495

0.8700

0.06690

14.9474

0.07690

13.0037

82.4221

6.3384

15

1.1610

0.8613

0.06212

16.0969

0.07212

13.8651

94.4810

6.8143

16

1.1726

0.8528

0.05794

17.2579

0.06794

14.7179

107.2734

7.2886

17

1.1843

0.8444

0.05426

18.4304

0.06426

15.5623

120.7834

7.7613

18

1.1961

0.8360

0.05098

19.6147

0.06098

16.3983

134.9957

8.2323

19

1.2081

0.8277

0.04805

20.8109

0.05805

17.2260

149.8950

8.7017

20

1.2202

0.8195

0.04542

22.0190

0.05542

18.0456

165.4664

9.1694

21

1.2324

0.8114

0.04303

23.2392

0.05303

18.8570

181.6950

9.6354

22

1.2447

0.8034

0.04086

24.4716

0.05086

19.6604

198.5663

10.0998

23

1.2572

0.7954

0.03889

25.7163

0.04889

20.4558

216.0660

10.5626

24

1.2697

0.7876

0.03707

26.9735

0.04707

21.2434

234.1800

11.0237

25

1.2824

0.7798

0.03541

28.2432

0.04541

22.0232

252.8945

11.4831

26

1.2953

0.7720

0.03387

29.5256

0.04387

22.7952

272.1957

11.9409

27

1.3082

0.7644

0.03245

30.8209

0.04245

23.5596

292.0702

12.3971

28

1.3213

0.7568

0.03112

32.1291

0.04112

24.3164

312.5047

12.8516

29

1.3345

0.7493

0.02990

33.4504

0.03990

25.0658

333.4863

13.3044

30

1.3478

0.7419

0.02875

34.7849

0.03875

25.8077

355.0021

13.7557

36

1.4308

0.6989

0.02321

43.0769

0.03321

30.1075

494.6207

16.4285

40

1.4889

0.6717

0.02046

48.8864

0.03046

32.8347

596.8561

18.1776

48

1.6122

0.6203

0.01633

61.2226

0.02633

37.9740

820.1460

21.5976

50

1.6446

0.6080

0.01551

64.4632

0.02551

39.1961

879.4176

22.4363

52

1.6777

0.5961

0.01476

67.7689

0.02476

40.3942

939.9175

23.2686

55

1.7285

0.5785

0.01373

72.8525

0.02373

42.1472

1032.81

24.5049

60

1.8167

0.5504

0.01224

81.6697

0.02224

44.9550

1192.81

26.5333

72

2.0471

0.4885

0.00955

104.7099

0.01955

51.1504

1597.87

31.2386

75

2.1091

0.4741

0.00902

110.9128

0.01902

52.5871

1702.73

32.3793

84

2.3067

0.4335

0.00765

130.6723

0.01765

56.6485

2023.32

35.7170

90

2.4486

0.4084

0.00690

144.8633

0.01690

59.1609

2240.57

37.8724

96

2.5993

0.3847

0.00625

159.9273

0.01625

61.5277

2459.43

39.9727

100

2.7048

0.3697

0.00587

170.4814

0.01587

63.0289

2605.78

41.3426

108

2.9289

0.3414

0.00518

192.8926

0.01518

65.8578

2898.42

44.0103

120

3.3004

0.3030

0.00435

230.0387

0.01435

69.7005

3334.11

47.8349

132

3.7190

0.2689

0.00368

271.8959

0.01368

73.1108

3761.69

51.4520

144

4.1906

0.2386

0.00313

319.0616

0.01313

76.1372

4177.47

54.8676

240

10.8926

0.0918

0.00101

989.2554

0.01101

90.8194

6878.60

75.7393

360

35.9496

0.0278

0.00029

3494.96

0.01029

97.2183

8720.43

89.6995

480

118.6477

0.0084

0.00008

11765

0.01008

99.1572

9511.16

95.9200

585

Compound Interest Factor Tables

1.25%

TABLE 5

1.25%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0125

0.9877

1.00000

1.0000

1.01250

0.9877

1.0252

0.9755

0.49680

2.0125

0.50939

1.0380

0.9634

0.32920

3.0377

0.34170

1.9631

0.9755

0.4969

2.9265

2.9023

1.0509

0.9515

0.24536

4.0756

0.9917

0.25786

3.8781

5.7569

1.0641

0.9398

0.19506

1.4845

5.1266

0.20756

4.8178

9.5160

1.0774

0.9282

1.9752

0.16153

6.1907

0.17403

5.7460

14.1569

1.0909

2.4638

0.9167

0.13759

7.2680

0.15009

6.6627

19.6571

2.9503

1.1045

0.9054

0.11963

8.3589

0.13213

7.5681

25.9949

3.4348

1.1183

0.8942

0.10567

9.4634

0.11817

8.4623

33.1487

3.9172

10

1.1323

0.8832

0.09450

10.5817

0.10700

9.3455

41.0973

4.3975

11

1.1464

0.8723

0.08537

11.7139

0.09787

10.2178

49.8201

4.8758

12

1.1608

0.8615

0.07776

12.8604

0.09026

11.0793

59.2967

5.3520

13

1.1753

0.8509

0.07132

14.0211

0.08382

11.9302

69.5072

5.8262

14

1.1900

0.8404

0.06581

15.1964

0.07831

12.7706

80.4320

6.2982

15

1.2048

0.8300

0.06103

16.3863

0.07353

13.6005

92.0519

6.7682

16

1.2199

0.8197

0.05685

17.5912

0.06935

14.4203

104.3481

7.2362

17

1.2351

0.8096

0.05316

18.8111

0.06566

15.2299

117.3021

7.7021

18

1.2506

0.7996

0.04988

20.0462

0.06238

16.0295

130.8958

8.1659

19

1.2662

0.7898

0.04696

21.2968

0.05946

16.8193

145.1115

8.6277

20

1.2820

0.7800

0.04432

22.5630

0.05682

17.5993

159.9316

9.0874

21

1.2981

0.7704

0.04194

23.8450

0.05444

18.3697

175.3392

9.5450

22

1.3143

0.7609

0.03977

25.1431

0.05227

19.1306

191.3174

10.0006

23

1.3307

0.7515

0.03780

26.4574

0.05030

19.8820

207.8499

10.4542

24

1.3474

0.7422

0.03599

27.7881

0.04849

20.6242

224.9204

10.9056

25

1.3642

0.7330

0.03432

29.1354

0.04682

21.3573

242.5132

11.3551

26

1.3812

0.7240

0.03279

30.4996

0.04529

22.0813

260.6128

11.8024

27

1.3985

0.7150

0.03137

31.8809

0.04387

22.7963

279.2040

12.2478

28

1.4160

0.7062

0.03005

33.2794

0.04255

23.5025

298.2719

12.6911

29

1.4337

0.6975

0.02882

34.6954

0.04132

24.2000

317.8019

13.1323

30

1.4516

0.6889

0.02768

36.1291

0.04018

24.8889

337.7797

13.5715

36

1.5639

0.6394

0.02217

45.1155

0.03467

28.8473

466.2830

16.1639

40

1.6436

0.6084

0.01942

51.4896

0.03192

31.3269

559.2320

17.8515

48

1.8154

0.5509

0.01533

65.2284

0.02783

35.9315

759.2296

21.1299

50

1.8610

0.5373

0.01452

68.8818

0.02702

37.0129

811.6738

21.9295

52

1.9078

0.5242

0.01377

72.6271

0.02627

38.0677

864.9409

22.7211

55

1.9803

0.5050

0.01275

78.4225

0.02525

39.6017

946.2277

23.8936

60

2.1072

0.4746

0.01129

88.5745

0.02379

42.0346

1084.84

25.8083

72

2.4459

0.4088

0.00865

115.6736

0.02115

47.2925

1428.46

30.2047

75

2.5388

0.3939

0.00812

123.1035

0.02062

48.4890

1515.79

31.2605

84

2.8391

0.3522

0.00680

147.1290

0.01930

51.8222

1778.84

34.3258

90

3.0588

0.3269

0.00607

164.7050

0.01857

53.8461

1953.83

36.2855

96

3.2955

0.3034

0.00545

183.6411

0.01795

55.7246

2127.52

38.1793

100

3.4634

0.2887

0.00507

197.0723

0.01757

56.9013

2242.24

39.4058

108

3.8253

0.2614

0.00442

226.0226

0.01692

59.0865

2468.26

41.7737

120

4.4402

0.2252

0.00363

275.2171

0.01613

61.9828

2796.57

45.1184

132

5.1540

0.1940

0.00301

332.3198

0.01551

64.4781

3109.35

48.2234

144

5.9825

0.1672

0.00251

398.6021

0.01501

66.6277

3404.61

51.0990

240

19.7155

0.0507

0.00067

1497.24

0.01317

75.9423

5101.53

67.1764

360

87.5410

0.0114

0.00014

6923.28

0.01264

79.0861

5997.90

75.8401

480

388.7007

0.0026

0.00003

31016

0.01253

79.7942

6284.74

78.7619

586

Compound Interest Factor Tables

1.5%

TABLE 6

1.5%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0150

0.9852

1.00000

1.0000

1.01500

0.9852

1.0302

0.9707

0.49628

2.0150

0.51128

1.9559

1.0457

0.9563

0.32838

3.0452

0.9707

0.4963

0.34338

2.9122

2.8833

1.0614

0.9422

0.24444

0.9901

4.0909

0.25944

3.8544

5.7098

1.0773

0.9283

1.4814

0.19409

5.1523

0.20909

4.7826

9.4229

1.0934

1.9702

0.9145

0.16053

6.2296

0.17553

5.6972

13.9956

2.4566

7
8

1.1098

0.9010

0.13656

7.3230

0.15156

6.5982

19.4018

2.9405

1.1265

0.8877

0.11858

8.4328

0.13358

7.4859

25.6157

3.4219

1.1434

0.8746

0.10461

9.5593

0.11961

8.3605

32.6125

3.9008

10

1.1605

0.8617

0.09343

10.7027

0.10843

9.2222

40.3675

4.3772

11

1.1779

0.8489

0.08429

11.8633

0.09929

10.0711

48.8568

4.8512

12

1.1956

0.8364

0.07668

13.0412

0.09168

10.9075

58.0571

5.3227

13

1.2136

0.8240

0.07024

14.2368

0.08524

11.7315

67.9454

5.7917

14

1.2318

0.8118

0.06472

15.4504

0.07972

12.5434

78.4994

6.2582

15

1.2502

0.7999

0.05994

16.6821

0.07494

13.3432

89.6974

6.7223

16

1.2690

0.7880

0.05577

17.9324

0.07077

14.1313

101.5178

7.1839

17

1.2880

0.7764

0.05208

19.2014

0.06708

14.9076

113.9400

7.6431

18

1.3073

0.7649

0.04881

20.4894

0.06381

15.6726

126.9435

8.0997

19

1.3270

0.7536

0.04588

21.7967

0.06088

16.4262

140.5084

8.5539

20

1.3469

0.7425

0.04325

23.1237

0.05825

17.1686

154.6154

9.0057

21

1.3671

0.7315

0.04087

24.4705

0.05587

17.9001

169.2453

9.4550

22

1.3876

0.7207

0.03870

25.8376

0.05370

18.6208

184.3798

9.9018

23

1.4084

0.7100

0.03673

27.2251

0.05173

19.3309

200.0006

10.3462

24

1.4295

0.6995

0.03492

28.6335

0.04992

20.0304

216.0901

10.7881

25

1.4509

0.6892

0.03326

30.0630

0.04826

20.7196

232.6310

11.2276

26

1.4727

0.6790

0.03173

31.5140

0.04673

21.3986

249.6065

11.6646

27

1.4948

0.6690

0.03032

32.9867

0.04532

22.0676

267.0002

12.0992

28

1.5172

0.6591

0.02900

34.4815

0.04400

22.7267

284.7958

12.5313

29

1.5400

0.6494

0.02778

35.9987

0.04278

23.3761

302.9779

12.9610

30

1.5631

0.6398

0.02664

37.5387

0.04164

24.0158

321.5310

13.3883

36

1.7091

0.5851

0.02115

47.2760

0.03615

27.6607

439.8303

15.9009

40

1.8140

0.5513

0.01843

54.2679

0.03343

29.9158

524.3568

17.5277

48

2.0435

0.4894

0.01437

69.5652

0.02937

34.0426

703.5462

20.6667

50

2.1052

0.4750

0.01357

73.6828

0.02857

34.9997

749.9636

21.4277

52

2.1689

0.4611

0.01283

77.9249

0.02783

35.9287

796.8774

22.1794

55

2.2679

0.4409

0.01183

84.5296

0.02683

37.2715

868.0285

23.2894

60

2.4432

0.4093

0.01039

96.2147

0.02539

39.3803

988.1674

25.0930

72

2.9212

0.3423

0.00781

128.0772

0.02281

43.8447

1279.79

29.1893

75

3.0546

0.3274

0.00730

136.9728

0.02230

44.8416

1352.56

30.1631

84

3.4926

0.2863

0.00602

166.1726

0.02102

47.5786

1568.51

32.9668

90

3.8189

0.2619

0.00532

187.9299

0.02032

49.2099

1709.54

34.7399

96

4.1758

0.2395

0.00472

211.7202

0.01972

50.7017

1847.47

36.4381

100

4.4320

0.2256

0.00437

228.8030

0.01937

51.6247

1937.45

37.5295

108

4.9927

0.2003

0.00376

266.1778

0.01876

53.3137

2112.13

39.6171

120

5.9693

0.1675

0.00302

331.2882

0.01802

55.4985

2359.71

42.5185

132

7.1370

0.1401

0.00244

409.1354

0.01744

57.3257

2588.71

45.1579

144

8.5332

0.1172

0.00199

502.2109

0.01699

58.8540

2798.58

47.5512

240

35.6328

0.0281

0.00043

2308.85

0.01543

64.7957

3870.69

59.7368

360

212.7038

0.0047

0.00007

14114

0.01507

66.3532

4310.72

64.9662

480

1269.70

0.0008

0.00001

84580

0.01501

66.6142

4415.74

66.2883

587

Compound Interest Factor Tables

2%

TABLE 7

2%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0200

0.9804

1.00000

1.0000

1.02000

0.9804

1.0404

0.9612

0.49505

2.0200

0.51505

1.0612

0.9423

0.32675

3.0604

0.34675

1.9416

0.9612

0.4950

2.8839

2.8458

1.0824

0.9238

0.24262

4.1216

0.9868

0.26262

3.8077

5.6173

1.1041

0.9057

0.19216

1.4752

5.2040

0.21216

4.7135

9.2403

1.1262

0.8880

1.9604

0.15853

6.3081

0.17853

5.6014

13.6801

1.1487

2.4423

0.8706

0.13451

7.4343

0.15451

6.4720

18.9035

1.1717

2.9208

0.8535

0.11651

8.5830

0.13651

7.3255

24.8779

3.3961

1.1951

0.8368

0.10252

9.7546

0.12252

8.1622

31.5720

3.8681

10

1.2190

0.8203

0.09133

10.9497

0.11133

8.9826

38.9551

4.3367

11

1.2434

0.8043

0.08218

12.1687

0.10218

9.7868

46.9977

4.8021

12

1.2682

0.7885

0.07456

13.4121

0.09456

10.5753

55.6712

5.2642

13

1.2936

0.7730

0.06812

14.6803

0.08812

11.3484

64.9475

5.7231

14

1.3195

0.7579

0.06260

15.9739

0.08260

12.1062

74.7999

6.1786

15

1.3459

0.7430

0.05783

17.2934

0.07783

12.8493

85.2021

6.6309

16

1.3728

0.7284

0.05365

18.6393

0.07365

13.5777

96.1288

7.0799

17

1.4002

0.7142

0.04997

20.0121

0.06997

14.2919

107.5554

7.5256

18

1.4282

0.7002

0.04670

21.4123

0.06670

14.9920

119.4581

7.9681

19

1.4568

0.6864

0.04378

22.8406

0.06378

15.6785

131.8139

8.4073

20

1.4859

0.6730

0.04116

24.2974

0.06116

16.3514

144.6003

8.8433

21

1.5157

0.6598

0.03878

25.7833

0.05878

17.0112

157.7959

9.2760

22

1.5460

0.6468

0.03663

27.2990

0.05663

17.6580

171.3795

9.7055

23

1.5769

0.6342

0.03467

28.8450

0.05467

18.2922

185.3309

10.1317

24

1.6084

0.6217

0.03287

30.4219

0.05287

18.9139

199.6305

10.5547

25

1.6406

0.6095

0.03122

32.0303

0.05122

19.5235

214.2592

10.9745

26

1.6734

0.5976

0.02970

33.6709

0.04970

20.1210

229.1987

11.3910

27

1.7069

0.5859

0.02829

35.3443

0.04829

20.7069

244.4311

11.8043

28

1.7410

0.5744

0.02699

37.0512

0.04699

21.2813

259.9392

12.2145

29

1.7758

0.5631

0.02578

38.7922

0.04578

21.8444

275.7064

12.6214

30

1.8114

0.5521

0.02465

40.5681

0.04465

22.3965

291.7164

13.0251

36

2.0399

0.4902

0.01923

51.9944

0.03923

25.4888

392.0405

15.3809

40

2.2080

0.4529

0.01656

60.4020

0.03656

27.3555

461.9931

16.8885

48

2.5871

0.3865

0.01260

79.3535

0.03260

30.6731

605.9657

19.7556

50

2.6916

0.3715

0.01182

84.5794

0.03182

31.4236

642.3606

20.4420

52

2.8003

0.3571

0.01111

90.0164

0.03111

32.1449

678.7849

21.1164

55

2.9717

0.3365

0.01014

98.5865

0.03014

33.1748

733.3527

22.1057

60

3.2810

0.3048

0.00877

114.0515

0.02877

34.7609

823.6975

23.6961

72

4.1611

0.2403

0.00633

158.0570

0.02633

37.9841

1034.06

27.2234

75

4.4158

0.2265

0.00586

170.7918

0.02586

38.6771

1084.64

28.0434

84

5.2773

0.1895

0.00468

213.8666

0.02468

40.5255

1230.42

30.3616

90

5.9431

0.1683

0.00405

247.1567

0.02405

41.5869

1322.17

31.7929

96

6.6929

0.1494

0.00351

284.6467

0.02351

42.5294

1409.30

33.1370

100

7.2446

0.1380

0.00320

312.2323

0.02320

43.0984

1464.75

33.9863
35.5774

108

8.4883

0.1178

0.00267

374.4129

0.02267

44.1095

1569.30

120

10.7652

0.0929

0.00205

488.2582

0.02205

45.3554

1710.42

37.7114

132

13.6528

0.0732

0.00158

632.6415

0.02158

46.3378

1833.47

39.5676

144

17.3151

0.0578

0.00123

815.7545

0.02123

47.1123

1939.79

41.1738

240

115.8887

0.0086

0.00017

5744.44

0.02017

49.5686

2374.88

47.9110

360

1247.56

0.0008

0.00002

62328

0.02002

49.9599

2482.57

49.7112

480

13430

0.0001

0.02000

49.9963

2498.03

49.9643

588

Compound Interest Factor Tables

3%

TABLE 8

3%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0300

0.9709

1.00000

1.0000

1.03000

0.9709

1.0609

0.9426

0.49261

2.0300

0.52261

1.0927

0.9151

0.32353

3.0909

0.35353

1.9135

0.9426

0.4926

2.8286

2.7729

1.1255

0.8885

0.23903

4.1836

0.9803

0.26903

3.7171

5.4383

1.1593

0.8626

0.18835

1.4631

5.3091

0.21835

4.5797

8.8888

1.1941

0.8375

1.9409

0.15460

6.4684

0.18460

5.4172

13.0762

1.2299

2.4138

0.8131

0.13051

7.6625

0.16051

6.2303

17.9547

2.8819

1.2668

0.7894

0.11246

8.8923

0.14246

7.0197

23.4806

3.3450

1.3048

0.7664

0.09843

10.1591

0.12843

7.7861

29.6119

3.8032
4.2565

10

1.3439

0.7441

0.08723

11.4639

0.11723

8.5302

36.3088

11

1.3842

0.7224

0.07808

12.8078

0.10808

9.2526

43.5330

4.7049

12

1.4258

0.7014

0.07046

14.1920

0.10046

9.9540

51.2482

5.1485

13

1.4685

0.6810

0.06403

15.6178

0.09403

10.6350

59.4196

5.5872

14

1.5126

0.6611

0.05853

17.0863

0.08853

11.2961

68.0141

6.0210

15

1.5580

0.6419

0.05377

18.5989

0.08377

11.9379

77.0002

6.4500

16

1.6047

0.6232

0.04961

20.1569

0.07961

12.5611

86.3477

6.8742

17

1.6528

0.6050

0.04595

21.7616

0.07595

13.1661

96.0280

7.2936

18

1.7024

0.5874

0.04271

23.4144

0.07271

13.7535

106.0137

7.7081

19

1.7535

0.5703

0.03981

25.1169

0.06981

14.3238

116.2788

8.1179

20

1.8061

0.5537

0.03722

26.8704

0.06722

14.8775

126.7987

8.5229

21

1.8603

0.5375

0.03487

28.6765

0.06487

15.4150

137.5496

8.9231

22

1.9161

0.5219

0.03275

30.5368

0.06275

15.9369

148.5094

9.3186

23

1.9736

0.5067

0.03081

32.4529

0.06081

16.4436

159.6566

9.7093

24

2.0328

0.4919

0.02905

34.4265

0.05905

16.9355

170.9711

10.0954

25

2.0938

0.4776

0.02743

36.4593

0.05743

17.4131

182.4336

10.4768

26

2.1566

0.4637

0.02594

38.5530

0.05594

17.8768

194.0260

10.8535

27

2.2213

0.4502

0.02456

40.7096

0.05456

18.3270

205.7309

11.2255

28

2.2879

0.4371

0.02329

42.9309

0.05329

18.7641

217.5320

11.5930

29

2.3566

0.4243

0.02211

45.2189

0.05211

19.1885

229.4137

11.9558

30

2.4273

0.4120

0.02102

47.5754

0.05102

19.6004

241.3613

12.3141

31

2.5001

0.4000

0.02000

50.0027

0.05000

20.0004

253.3609

12.6678

32

2.5751

0.3883

0.01905

52.5028

0.04905

20.3888

265.3993

13.0169

33

2.6523

0.3770

0.01816

55.0778

0.04816

20.7658

277.4642

13.3616

34

2.7319

0.3660

0.01732

57.7302

0.04732

21.1318

289.5437

13.7018

35

2.8139

0.3554

0.01654

60.4621

0.04654

21.4872

301.6267

14.0375

40

3.2620

0.3066

0.01326

75.4013

0.04326

23.1148

361.7499

15.6502

45

3.7816

0.2644

0.01079

92.7199

0.04079

24.5187

420.6325

17.1556

50

4.3839

0.2281

0.00887

112.7969

0.03887

25.7298

477.4803

18.5575

55

5.0821

0.1968

0.00735

136.0716

0.03735

26.7744

531.7411

19.8600

60

5.8916

0.1697

0.00613

163.0534

0.03613

27.6756

583.0526

21.0674

65

6.8300

0.1464

0.00515

194.3328

0.03515

28.4529

631.2010

22.1841

70

7.9178

0.1263

0.00434

230.5941

0.03434

29.1234

676.0869

23.2145

75

9.1789

0.1089

0.00367

272.6309

0.03367

29.7018

717.6978

24.1634

80

10.6409

0.0940

0.00311

321.3630

0.03311

30.2008

756.0865

25.0353

84

11.9764

0.0835

0.00273

365.8805

0.03273

30.5501

784.5434

25.6806

85

12.3357

0.0811

0.00265

377.8570

0.03265

30.6312

791.3529

25.8349

90

14.3005

0.0699

0.00226

443.3489

0.03226

31.0024

823.6302

26.5667
27.3615

96

17.0755

0.0586

0.00187

535.8502

0.03187

31.3812

858.6377

108

24.3456

0.0411

0.00129

778.1863

0.03129

31.9642

917.6013

28.7072

120

34.7110

0.0288

0.00089

1123.70

0.03089

32.3730

963.8635

29.7737

589

Compound Interest Factor Tables

4%

TABLE 9

4%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0400

0.9615

1.00000

1.0000

1.04000

0.9615

1.0816

0.9246

0.49020

2.0400

0.53020

1.1249

0.8890

0.32035

3.1216

0.36035

1.8861

0.9246

0.4902

2.7751

2.7025

1.1699

0.8548

0.23549

4.2465

0.9739

0.27549

3.6299

5.2670

1.2167

0.8219

0.18463

1.4510

5.4163

0.22463

4.4518

8.5547

1.2653

0.7903

1.9216

0.15076

6.6330

0.19076

5.2421

12.5062

1.3159

2.3857

0.7599

0.12661

7.8983

0.16661

6.0021

17.0657

2.8433

1.3686

0.7307

0.10853

9.2142

0.14853

6.7327

22.1806

3.2944

1.4233

0.7026

0.09449

10.5828

0.13449

7.4353

27.8013

3.7391

10

1.4802

0.6756

0.08329

12.0061

0.12329

8.1109

33.8814

4.1773

11

1.5395

0.6496

0.07415

13.4864

0.11415

8.7605

40.3772

4.6090

12

1.6010

0.6246

0.06655

15.0258

0.10655

9.3851

47.2477

5.0343

13

1.6651

0.6006

0.06014

16.6268

0.10014

9.9856

54.4546

5.4533

14

1.7317

0.5775

0.05467

18.2919

0.09467

10.5631

61.9618

5.8659

15

1.8009

0.5553

0.04994

20.0236

0.08994

11.1184

69.7355

6.2721

16

1.8730

0.5339

0.04582

21.8245

0.08582

11.6523

77.7441

6.6720

17

1.9479

0.5134

0.04220

23.6975

0.08220

12.1657

85.9581

7.0656

18

2.0258

0.4936

0.03899

25.6454

0.07899

12.6593

94.3498

7.4530

19

2.1068

0.4746

0.03614

27.6712

0.07614

13.1339

102.8933

7.8342

20

2.1911

0.4564

0.03358

29.7781

0.07358

13.5903

111.5647

8.2091

21

2.2788

0.4388

0.03128

31.9692

0.07128

14.0292

120.3414

8.5779

22

2.3699

0.4220

0.02920

34.2480

0.06920

14.4511

129.2024

8.9407

23

2.4647

0.4057

0.02731

36.6179

0.06731

14.8568

138.1284

9.2973

24

2.5633

0.3901

0.02559

39.0826

0.06559

15.2470

147.1012

9.6479

25

2.6658

0.3751

0.02401

41.6459

0.06401

15.6221

156.1040

9.9925

26

2.7725

0.3607

0.02257

44.3117

0.06257

15.9828

165.1212

10.3312

27

2.8834

0.3468

0.02124

47.0842

0.06124

16.3296

174.1385

10.6640

28

2.9987

0.3335

0.02001

49.9676

0.06001

16.6631

183.1424

10.9909

29

3.1187

0.3207

0.01888

52.9663

0.05888

16.9837

192.1206

11.3120

30

3.2434

0.3083

0.01783

56.0849

0.05783

17.2920

201.0618

11.6274

31

3.3731

0.2965

0.01686

59.3283

0.05686

17.5885

209.9556

11.9371

32

3.5081

0.2851

0.01595

62.7015

0.05595

17.8736

218.7924

12.2411

33

3.6484

0.2741

0.01510

66.2095

0.05510

18.1476

227.5634

12.5396

34

3.7943

0.2636

0.01431

69.8579

0.05431

18.4112

236.2607

12.8324

35

3.9461

0.2534

0.01358

73.6522

0.05358

18.6646

244.8768

13.1198

40

4.8010

0.2083

0.01052

95.0255

0.05052

19.7928

286.5303

14.4765

45

5.8412

0.1712

0.00826

121.0294

0.04826

20.7200

325.4028

15.7047

50

7.1067

0.1407

0.00655

152.6671

0.04655

21.4822

361.1638

16.8122

55

8.6464

0.1157

0.00523

191.1592

0.04523

22.1086

393.6890

17.8070

60

10.5196

0.0951

0.00420

237.9907

0.04420

22.6235

422.9966

18.6972

65

12.7987

0.0781

0.00339

294.9684

0.04339

23.0467

449.2014

19.4909

70

15.5716

0.0642

0.00275

364.2905

0.04275

23.3945

472.4789

20.1961

75

18.9453

0.0528

0.00223

448.6314

0.04223

23.6804

493.0408

20.8206

80

23.0498

0.0434

0.00181

551.2450

0.04181

23.9154

511.1161

21.3718

85

28.0436

0.0357

0.00148

676.0901

0.04148

24.1085

526.9384

21.8569

90

34.1193

0.0293

0.00121

827.9833

0.04121

24.2673

540.7369

22.2826

96

43.1718

0.0232

0.00095

1054.30

0.04095

24.4209

554.9312

22.7236

108

69.1195

0.0145

0.00059

1702.99

0.04059

24.6383

576.8949

23.4146

120

110.6626

0.0090

0.00036

2741.56

0.04036

24.7741

592.2428

23.9057

144

283.6618

0.0035

0.00014

7066.55

0.04014

24.9119

610.1055

24.4906

590

Compound Interest Factor Tables

5%

TABLE 10

5%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0500

0.9524

1.00000

1.0000

1.05000

0.9524

1.1025

0.9070

0.48780

2.0500

0.53780

1.1576

0.8638

0.31721

3.1525

0.36721

1.8594

0.9070

0.4878

2.7232

2.6347

1.2155

0.8227

0.23201

4.3101

0.9675

0.28201

3.5460

5.1028

1.2763

0.7835

0.18097

1.4391

5.5256

0.23097

4.3295

8.2369

1.3401

0.7462

1.9025

0.14702

6.8019

0.19702

5.0757

11.9680

1.4071

2.3579

0.7107

0.12282

8.1420

0.17282

5.7864

16.2321

2.8052

8
9

1.4775

0.6768

0.10472

9.5491

0.15472

6.4632

20.9700

3.2445

1.5513

0.6446

0.09069

11.0266

0.14069

7.1078

26.1268

3.6758
4.0991

10

1.6289

0.6139

0.07950

12.5779

0.12950

7.7217

31.6520

11

1.7103

0.5847

0.07039

14.2068

0.12039

8.3064

37.4988

4.5144

12

1.7959

0.5568

0.06283

15.9171

0.11283

8.8633

43.6241

4.9219

13

1.8856

0.5303

0.05646

17.7130

0.10646

9.3936

49.9879

5.3215

14

1.9799

0.5051

0.05102

19.5986

0.10102

9.8986

56.5538

5.7133

15

2.0789

0.4810

0.04634

21.5786

0.09634

10.3797

63.2880

6.0973

16

2.1829

0.4581

0.04227

23.6575

0.09227

10.8378

70.1597

6.4736

17

2.2920

0.4363

0.03870

25.8404

0.08870

11.2741

77.1405

6.8423

18

2.4066

0.4155

0.03555

28.1324

0.08555

11.6896

84.2043

7.2034

19

2.5270

0.3957

0.03275

30.5390

0.08275

12.0853

91.3275

7.5569

20

2.6533

0.3769

0.03024

33.0660

0.08024

12.4622

98.4884

7.9030

21

2.7860

0.3589

0.02800

35.7193

0.07800

12.8212

105.6673

8.2416

22

2.9253

0.3418

0.02597

38.5052

0.07597

13.1630

112.8461

8.5730

23

3.0715

0.3256

0.02414

41.4305

0.07414

13.4886

120.0087

8.8971

24

3.2251

0.3101

0.02247

44.5020

0.07247

13.7986

127.1402

9.2140

25

3.3864

0.2953

0.02095

47.7271

0.07095

14.0939

134.2275

9.5238

26

3.5557

0.2812

0.01956

51.1135

0.06956

14.3752

141.2585

9.8266

27

3.7335

0.2678

0.01829

54.6691

0.06829

14.6430

148.2226

10.1224

28

3.9201

0.2551

0.01712

58.4026

0.06712

14.8981

155.1101

10.4114

29

4.1161

0.2429

0.01605

62.3227

0.06605

15.1411

161.9126

10.6936

30

4.3219

0.2314

0.01505

66.4388

0.06505

15.3725

168.6226

10.9691

31

4.5380

0.2204

0.01413

70.7608

0.06413

15.5928

175.2333

11.2381

32

4.7649

0.2099

0.01328

75.2988

0.06328

15.8027

181.7392

11.5005

33

5.0032

0.1999

0.01249

80.0638

0.06249

16.0025

188.1351

11.7566

34

5.2533

0.1904

0.01176

85.0670

0.06176

16.1929

194.4168

12.0063

35

5.5160

0.1813

0.01107

90.3203

0.06107

16.3742

200.5807

12.2498

40

7.0400

0.1420

0.00828

120.7998

0.05828

17.1591

229.5452

13.3775

45

8.9850

0.1113

0.00626

159.7002

0.05626

17.7741

255.3145

14.3644

50

11.4674

0.0872

0.00478

209.3480

0.05478

18.2559

277.9148

15.2233

55

14.6356

0.0683

0.00367

272.7126

0.05367

18.6335

297.5104

15.9664

60

18.6792

0.0535

0.00283

353.5837

0.05283

18.9293

314.3432

16.6062

65

23.8399

0.0419

0.00219

456.7980

0.05219

19.1611

328.6910

17.1541

70

30.4264

0.0329

0.00170

588.5285

0.05170

19.3427

340.8409

17.6212

75

38.8327

0.0258

0.00132

756.6537

0.05132

19.4850

351.0721

18.0176

80

49.5614

0.0202

0.00103

971.2288

0.05103

19.5965

359.6460

18.3526

85

63.2544

0.0158

0.00080

1245.09

0.05080

19.6838

366.8007

18.6346

90

80.7304

0.0124

0.00063

1594.61

0.05063

19.7523

372.7488

18.8712

95

103.0347

0.0097

0.00049

2040.69

0.05049

19.8059

377.6774

19.0689

96

108.1864

0.0092

0.00047

2143.73

0.05047

19.8151

378.5555

19.1044

98

119.2755

0.0084

0.00042

2365.51

0.05042

19.8323

380.2139

19.1714

100

131.5013

0.0076

0.00038

2610.03

0.05038

19.8479

381.7492

19.2337

591

Compound Interest Factor Tables

6%

TABLE 11

6%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0600

0.9434

1.00000

1.0000

1.06000

0.9434

1.1236

0.8900

0.48544

2.0600

0.54544

1.8334

0.8900

0.4854

1.1910

0.8396

0.31411

3.1836

0.37411

2.6730

2.5692

0.9612

1.2625

0.7921

0.22859

4.3746

0.28859

3.4651

4.9455

1.4272

1.3382

0.7473

0.17740

5.6371

0.23740

4.2124

7.9345

1.8836

1.4185

0.7050

0.14336

6.9753

0.20336

4.9173

11.4594

2.3304

1.5036

0.6651

0.11914

8.3938

0.17914

5.5824

15.4497

2.7676

1.5938

0.6274

0.10104

9.8975

0.16104

6.2098

19.8416

3.1952

1.6895

0.5919

0.08702

11.4913

0.14702

6.8017

24.5768

3.6133

10

1.7908

0.5584

0.07587

13.1808

0.13587

7.3601

29.6023

4.0220

11

1.8983

0.5268

0.06679

14.9716

0.12679

7.8869

34.8702

4.4213

12

2.0122

0.4970

0.05928

16.8699

0.11928

8.3838

40.3369

4.8113

13

2.1329

0.4688

0.05296

18.8821

0.11296

8.8527

45.9629

5.1920

14

2.2609

0.4423

0.04758

21.0151

0.10758

9.2950

51.7128

5.5635

15

2.3966

0.4173

0.04296

23.2760

0.10296

9.7122

57.5546

5.9260

16

2.5404

0.3936

0.03895

25.6725

0.09895

10.1059

63.4592

6.2794

17

2.6928

0.3714

0.03544

28.2129

0.09544

10.4773

69.4011

6.6240

18

2.8543

0.3503

0.03236

30.9057

0.09236

10.8276

75.3569

6.9597

19

3.0256

0.3305

0.02962

33.7600

0.08962

11.1581

81.3062

7.2867

20

3.2071

0.3118

0.02718

36.7856

0.08718

11.4699

87.2304

7.6051

21

3.3996

0.2942

0.02500

39.9927

0.08500

11.7641

93.1136

7.9151

22

3.6035

0.2775

0.02305

43.3923

0.08305

12.0416

98.9412

8.2166

23

3.8197

0.2618

0.02128

46.9958

0.08128

12.3034

104.7007

8.5099

24

4.0489

0.2470

0.01968

50.8156

0.07968

12.5504

110.3812

8.7951

25

4.2919

0.2330

0.01823

54.8645

0.07823

12.7834

115.9732

9.0722

26

4.5494

0.2198

0.01690

59.1564

0.07690

13.0032

121.4684

9.3414

27

4.8223

0.2074

0.01570

63.7058

0.07570

13.2105

126.8600

9.6029

28

5.1117

0.1956

0.01459

68.5281

0.07459

13.4062

132.1420

9.8568

29

5.4184

0.1846

0.01358

73.6398

0.07358

13.5907

137.3096

10.1032

30

5.7435

0.1741

0.01265

79.0582

0.07265

13.7648

142.3588

10.3422

31

6.0881

0.1643

0.01179

84.8017

0.07179

13.9291

147.2864

10.5740

32

6.4534

0.1550

0.01100

90.8898

0.07100

14.0840

152.0901

10.7988

33

6.8406

0.1462

0.01027

97.3432

0.07027

14.2302

156.7681

11.0166

34

7.2510

0.1379

0.00960

104.1838

0.06960

14.3681

161.3192

11.2276

35

7.6861

0.1301

0.00897

111.4348

0.06897

14.4982

165.7427

11.4319

40

10.2857

0.0972

0.00646

154.7620

0.06646

15.0463

185.9568

12.3590

45

13.7646

0.0727

0.00470

212.7435

0.06470

15.4558

203.1096

13.1413

50

18.4202

0.0543

0.00344

290.3359

0.06344

15.7619

217.4574

13.7964

55

24.6503

0.0406

0.00254

394.1720

0.06254

15.9905

229.3222

14.3411

60

32.9877

0.0303

0.00188

533.1282

0.06188

16.1614

239.0428

14.7909

65

44.1450

0.0227

0.00139

719.0829

0.06139

16.2891

246.9450

15.1601

70

59.0759

0.0169

0.00103

967.9322

0.06103

16.3845

253.3271

15.4613

75

79.0569

0.0126

0.00077

1300.95

0.06077

16.4558

258.4527

15.7058

80

105.7960

0.0095

0.00057

1746.60

0.06057

16.5091

262.5493

15.9033

85

141.5789

0.0071

0.00043

2342.98

0.06043

16.5489

265.8096

16.0620

90

189.4645

0.0053

0.00032

3141.08

0.06032

16.5787

268.3946

16.1891

95

253.5463

0.0039

0.00024

4209.10

0.06024

16.6009

270.4375

16.2905

96

268.7590

0.0037

0.00022

4462.65

0.06022

16.6047

270.7909

16.3081

98

301.9776

0.0033

0.00020

5016.29

0.06020

16.6115

271.4491

16.3411

100

339.3021

0.0029

0.00018

5638.37

0.06018

16.6175

272.0471

16.3711

592

Compound Interest Factor Tables

7%

TABLE 12

7%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0700

0.9346

1.00000

1.0000

1.07000

0.9346

1.1449

0.8734

0.48309

2.0700

0.55309

1.8080

0.8734

0.4831

1.2250

0.8163

0.31105

3.2149

0.38105

2.6243

2.5060

0.9549

1.3108

0.7629

0.22523

4.4399

0.29523

3.3872

4.7947

1.4155

1.4026

0.7130

0.17389

5.7507

0.24389

4.1002

7.6467

1.8650

1.5007

0.6663

0.13980

7.1533

0.20980

4.7665

10.9784

2.3032

1.6058

0.6227

0.11555

8.6540

0.18555

5.3893

14.7149

2.7304

1.7182

0.5820

0.09747

10.2598

0.16747

5.9713

18.7889

3.1465

1.8385

0.5439

0.08349

11.9780

0.15349

6.5152

23.1404

3.5517

10

1.9672

0.5083

0.07238

13.8164

0.14238

7.0236

27.7156

3.9461

11

2.1049

0.4751

0.06336

15.7836

0.13336

7.4987

32.4665

4.3296

12

2.2522

0.4440

0.05590

17.8885

0.12590

7.9427

37.3506

4.7025

13

2.4098

0.4150

0.04965

20.1406

0.11965

8.3577

42.3302

5.0648

14

2.5785

0.3878

0.04434

22.5505

0.11434

8.7455

47.3718

5.4167

15

2.7590

0.3624

0.03979

25.1290

0.10979

9.1079

52.4461

5.7583

16

2.9522

0.3387

0.03586

27.8881

0.10586

9.4466

57.5271

6.0897

17

3.1588

0.3166

0.03243

30.8402

0.10243

9.7632

62.5923

6.4110

18

3.3799

0.2959

0.02941

33.9990

0.09941

10.0591

67.6219

6.7225

19

3.6165

0.2765

0.02675

37.3790

0.09675

10.3356

72.5991

7.0242

20

3.8697

0.2584

0.02439

40.9955

0.09439

10.5940

77.5091

7.3163

21

4.1406

0.2415

0.02229

44.8652

0.09229

10.8355

82.3393

7.5990

22

4.4304

0.2257

0.02041

49.0057

0.09041

11.0612

87.0793

7.8725

23

4.7405

0.2109

0.01871

53.4361

0.08871

11.2722

91.7201

8.1369

24

5.0724

0.1971

0.01719

58.1767

0.08719

11.4693

96.2545

8.3923

25

5.4274

0.1842

0.01581

63.2490

0.08581

11.6536

100.6765

8.6391

26

5.8074

0.1722

0.01456

68.6765

0.08456

11.8258

104.9814

8.8773

27

6.2139

0.1609

0.01343

74.4838

0.08343

11.9867

109.1656

9.1072

28

6.6488

0.1504

0.01239

80.6977

0.08239

12.1371

113.2264

9.3289

29

7.1143

0.1406

0.01145

87.3465

0.08145

12.2777

117.1622

9.5427

30

7.6123

0.1314

0.01059

94.4608

0.08059

12.4090

120.9718

9.7487

31

8.1451

0.1228

0.00980

102.0730

0.07980

12.5318

124.6550

9.9471

32

8.7153

0.1147

0.00907

110.2182

0.07907

12.6466

128.2120

10.1381

33

9.3253

0.1072

0.00841

118.9334

0.07841

12.7538

131.6435

10.3219

34

9.9781

0.1002

0.00780

128.2588

0.07780

12.8540

134.9507

10.4987

35

10.6766

0.0937

0.00723

138.2369

0.07723

12.9477

138.1353

10.6687

40

14.9745

0.0668

0.00501

199.6351

0.07501

13.3317

152.2928

11.4233

45

21.0025

0.0476

0.00350

285.7493

0.07350

13.6055

163.7559

12.0360

50

29.4570

0.0339

0.00246

406.5289

0.07246

13.8007

172.9051

12.5287

55

41.3150

0.0242

0.00174

575.9286

0.07174

13.9399

180.1243

12.9215

60

57.9464

0.0173

0.00123

813.5204

0.07123

14.0392

185.7677

13.2321

65

81.2729

0.0123

0.00087

1146.76

0.07087

14.1099

190.1452

13.4760

70

113.9894

0.0088

0.00062

1614.13

0.07062

14.1604

193.5185

13.6662

75

159.8760

0.0063

0.00044

2269.66

0.07044

14.1964

196.1035

13.8136

80

224.2344

0.0045

0.00031

3189.06

0.07031

14.2220

198.0748

13.9273

85

314.5003

0.0032

0.00022

4478.58

0.07022

14.2403

199.5717

14.0146

90

441.1030

0.0023

0.00016

6287.19

0.07016

14.2533

200.7042

14.0812

95

618.6697

0.0016

0.00011

8823.85

0.07011

14.2626

201.5581

14.1319

96

661.9766

0.0015

0.00011

9442.52

0.07011

14.2641

201.7016

14.1405

98

757.8970

0.0013

0.00009

10813

0.07009

14.2669

201.9651

14.1562

100

867.7163

0.0012

0.00008

12382

0.07008

14.2693

202.2001

14.1703

593

Compound Interest Factor Tables

8%

TABLE 13

8%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0800

0.9259

1.00000

1.0000

1.08000

0.9259

1.1664

0.8573

0.48077

2.0800

0.56077

1.2597

0.7938

0.30803

3.2464

0.38803

1.7833

0.8573

0.4808

2.5771

2.4450

1.3605

0.7350

0.22192

4.5061

0.9487

0.30192

3.3121

4.6501

1.4693

0.6806

0.17046

1.4040

5.8666

0.25046

3.9927

7.3724

1.5869

0.6302

1.8465

0.13632

7.3359

0.21632

4.6229

10.5233

1.7138

2.2763

0.5835

0.11207

8.9228

0.19207

5.2064

14.0242

1.8509

2.6937

0.5403

0.09401

10.6366

0.17401

5.7466

17.8061

3.0985

1.9990

0.5002

0.08008

12.4876

0.16008

6.2469

21.8081

3.4910

10

2.1589

0.4632

0.06903

14.4866

0.14903

6.7101

25.9768

3.8713

11

2.3316

0.4289

0.06008

16.6455

0.14008

7.1390

30.2657

4.2395

12

2.5182

0.3971

0.05270

18.9771

0.13270

7.5361

34.6339

4.5957

13

2.7196

0.3677

0.04652

21.4953

0.12652

7.9038

39.0463

4.9402

14

2.9372

0.3405

0.04130

24.2149

0.12130

8.2442

43.4723

5.2731

15

3.1722

0.3152

0.03683

27.1521

0.11683

8.5595

47.8857

5.5945

16

3.4259

0.2919

0.03298

30.3243

0.11298

8.8514

52.2640

5.9046

17

3.7000

0.2703

0.02963

33.7502

0.10963

9.1216

56.5883

6.2037

18

3.9960

0.2502

0.02670

37.4502

0.10670

9.3719

60.8426

6.4920

19

4.3157

0.2317

0.02413

41.4463

0.10413

9.6036

65.0134

6.7697

20

4.6610

0.2145

0.02185

45.7620

0.10185

9.8181

69.0898

7.0369

21

5.0338

0.1987

0.01983

50.4229

0.09983

10.0168

73.0629

7.2940

22

5.4365

0.1839

0.01803

55.4568

0.09803

10.2007

76.9257

7.5412

23

5.8715

0.1703

0.01642

60.8933

0.09642

10.3711

80.6726

7.7786

24

6.3412

0.1577

0.01498

66.7648

0.09498

10.5288

84.2997

8.0066

25

6.8485

0.1460

0.01368

73.1059

0.09368

10.6748

87.8041

8.2254

26

7.3964

0.1352

0.01251

79.9544

0.09251

10.8100

91.1842

8.4352

27

7.9881

0.1252

0.01145

87.3508

0.09145

10.9352

94.4390

8.6363

28

8.6271

0.1159

0.01049

95.3388

0.09049

11.0511

97.5687

8.8289

29

9.3173

0.1073

0.00962

103.9659

0.08962

11.1584

100.5738

9.0133

30

10.0627

0.0994

0.00883

113.2832

0.08883

11.2578

103.4558

9.1897

31

10.8677

0.0920

0.00811

123.3459

0.08811

11.3498

106.2163

9.3584

32

11.7371

0.0852

0.00745

134.2135

0.08745

11.4350

108.8575

9.5197

33

12.6760

0.0789

0.00685

145.9506

0.08685

11.5139

111.3819

9.6737

34

13.6901

0.0730

0.00630

158.6267

0.08630

11.5869

113.7924

9.8208

35

14.7853

0.0676

0.00580

172.3168

0.08580

11.6546

116.0920

9.9611

40

21.7245

0.0460

0.00386

259.0565

0.08386

11.9246

126.0422

10.5699

45

31.9204

0.0313

0.00259

386.5056

0.08259

12.1084

133.7331

11.0447

50

46.9016

0.0213

0.00174

573.7702

0.08174

12.2335

139.5928

11.4107

55

68.9139

0.0145

0.00118

848.9232

0.08118

12.3186

144.0065

11.6902

60

101.2571

0.0099

0.00080

1253.21

0.08080

12.3766

147.3000

11.9015

65

148.7798

0.0067

0.00054

1847.25

0.08054

12.4160

149.7387

12.0602

70

218.6064

0.0046

0.00037

2720.08

0.08037

12.4428

151.5326

12.1783

75

321.2045

0.0031

0.00025

4002.56

0.08025

12.4611

152.8448

12.2658

80

471.9548

0.0021

0.00017

5886.94

0.08017

12.4735

153.8001

12.3301

85

693.4565

0.0014

0.00012

8655.71

0.08012

12.4820

154.4925

12.3772

90

1018.92

0.0010

0.00008

12724

0.08008

12.4877

154.9925

12.4116

95

1497.12

0.0007

0.00005

18702

0.08005

12.4917

155.3524

12.4365

96

1616.89

0.0006

0.00005

20199

0.08005

12.4923

155.4112

12.4406

98

1885.94

0.0005

0.00004

23562

0.08004

12.4934

155.5176

12.4480

100

2199.76

0.0005

0.00004

27485

0.08004

12.4943

155.6107

12.4545

594

Compound Interest Factor Tables

9%

TABLE 14

9%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.0900

0.9174

1.00000

1.0000

1.09000

0.9174

1.1881

0.8417

0.47847

2.0900

0.56847

1.2950

0.7722

0.30505

3.2781

0.39505

1.7591

0.8417

0.4785

2.5313

2.3860

1.4116

0.7084

0.21867

4.5731

0.9426

0.30867

3.2397

4.5113

1.3925

1.5386

0.6499

0.16709

1.6771

0.5963

0.13292

5.9847

0.25709

3.8897

7.1110

1.8282

7.5233

0.22292

4.4859

10.0924

1.8280

0.5470

2.2498

0.10869

9.2004

0.19869

5.0330

13.3746

1.9926

0.5019

2.6574

0.09067

11.0285

0.18067

5.5348

16.8877

3.0512

2.1719

0.4604

0.07680

13.0210

0.16680

5.9952

20.5711

3.4312

10

2.3674

0.4224

0.06582

15.1929

0.15582

6.4177

24.3728

3.7978

11

2.5804

0.3875

0.05695

17.5603

0.14695

6.8052

28.2481

4.1510

12

2.8127

0.3555

0.04965

20.1407

0.13965

7.1607

32.1590

4.4910

13

3.0658

0.3262

0.04357

22.9534

0.13357

7.4869

36.0731

4.8182

14

3.3417

0.2992

0.03843

26.0192

0.12843

7.7862

39.9633

5.1326

15

3.6425

0.2745

0.03406

29.3609

0.12406

8.0607

43.8069

5.4346

16

3.9703

0.2519

0.03030

33.0034

0.12030

8.3126

47.5849

5.7245

17

4.3276

0.2311

0.02705

36.9737

0.11705

8.5436

51.2821

6.0024

18

4.7171

0.2120

0.02421

41.3013

0.11421

8.7556

54.8860

6.2687

19

5.1417

0.1945

0.02173

46.0185

0.11173

8.9501

58.3868

6.5236

20

5.6044

0.1784

0.01955

51.1601

0.10955

9.1285

61.7770

6.7674

21

6.1088

0.1637

0.01762

56.7645

0.10762

9.2922

65.0509

7.0006

22

6.6586

0.1502

0.01590

62.8733

0.10590

9.4424

68.2048

7.2232

23

7.2579

0.1378

0.01438

69.5319

0.10438

9.5802

71.2359

7.4357

24

7.9111

0.1264

0.01302

76.7898

0.10302

9.7066

74.1433

7.6384

25

8.6231

0.1160

0.01181

84.7009

0.10181

9.8226

76.9265

7.8316

26

9.3992

0.1064

0.01072

93.3240

0.10072

9.9290

79.5863

8.0156

27

10.2451

0.0976

0.00973

102.7231

0.09973

10.0266

82.1241

8.1906

28

11.1671

0.0895

0.00885

112.9682

0.09885

10.1161

84.5419

8.3571

29

12.1722

0.0822

0.00806

124.1354

0.09806

10.1983

86.8422

8.5154

30

13.2677

0.0754

0.00734

136.3075

0.09734

10.2737

89.0280

8.6657

31

14.4618

0.0691

0.00669

149.5752

0.09669

10.3428

91.1024

8.8083

32

15.7633

0.0634

0.00610

164.0370

0.09610

10.4062

93.0690

8.9436

33

17.1820

0.0582

0.00556

179.8003

0.09556

10.4644

94.9314

9.0718

34

18.7284

0.0534

0.00508

196.9823

0.09508

10.5178

96.6935

9.1933

35

20.4140

0.0490

0.00464

215.7108

0.09464

10.5668

98.3590

9.3083

40

31.4094

0.0318

0.00296

337.8824

0.09296

10.7574

105.3762

9.7957

45

48.3273

0.0207

0.00190

525.8587

0.09190

10.8812

110.5561

10.1603
10.4295

50

74.3575

0.0134

0.00123

815.0836

0.09123

10.9617

114.3251

55

114.4083

0.0087

0.00079

1260.09

0.09079

11.0140

117.0362

10.6261

60

176.0313

0.0057

0.00051

1944.79

0.09051

11.0480

118.9683

10.7683

65

270.8460

0.0037

0.00033

2998.29

0.09033

11.0701

120.3344

10.8702

70

416.7301

0.0024

0.00022

4619.22

0.09022

11.0844

121.2942

10.9427

75

641.1909

0.0016

0.00014

7113.23

0.09014

11.0938

121.9646

10.9940

80

986.5517

0.0010

0.00009

10951

0.09009

11.0998

122.4306

11.0299

85

1517.93

0.0007

0.00006

16855

0.09006

11.1038

122.7533

11.0551

90

2335.53

0.0004

0.00004

25939

0.09004

11.1064

122.9758

11.0726

95

3593.50

0.0003

0.00003

39917

0.09003

11.1080

123.1287

11.0847

96

3916.91

0.0003

0.00002

43510

0.09002

11.1083

123.1529

11.0866

98

4653.68

0.0002

0.00002

51696

0.09002

11.1087

123.1963

11.0900

100

5529.04

0.0002

0.00002

61423

0.09002

11.1091

123.2335

11.0930

595

Compound Interest Factor Tables

10%

TABLE 15

10%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

Capital
Recovery
AyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

1.1000

0.9091

1.00000

1.0000

1.10000

0.9091

1.2100

0.8264

0.47619

2.1000

0.57619

1.7355

0.8264

0.4762

1.3310

0.7513

0.30211

3.3100

0.40211

2.4869

2.3291

0.9366

1.4641

0.6830

0.21547

4.6410

0.31547

3.1699

4.3781

1.3812

1.6105

0.6209

0.16380

6.1051

0.26380

3.7908

6.8618

1.8101

1.7716

0.5645

0.12961

7.7156

0.22961

4.3553

9.6842

2.2236

1.9487

0.5132

0.10541

9.4872

0.20541

4.8684

12.7631

2.6216

2.1436

0.4665

0.08744

11.4359

0.18744

5.3349

16.0287

3.0045

2.3579

0.4241

0.07364

13.5795

0.17364

5.7590

19.4215

3.3724

10

2.5937

0.3855

0.06275

15.9374

0.16275

6.1446

22.8913

3.7255

11

2.8531

0.3505

0.05396

18.5312

0.15396

6.4951

26.3963

4.0641

12

3.1384

0.3186

0.04676

21.3843

0.14676

6.8137

29.9012

4.3884

13

3.4523

0.2897

0.04078

24.5227

0.14078

7.1034

33.3772

4.6988

14

3.7975

0.2633

0.03575

27.9750

0.13575

7.3667

36.8005

4.9955

15

4.1772

0.2394

0.03147

31.7725

0.13147

7.6061

40.1520

5.2789

16

4.5950

0.2176

0.02782

35.9497

0.12782

7.8237

43.4164

5.5493

17

5.0545

0.1978

0.02466

40.5447

0.12466

8.0216

46.5819

5.8071

18

5.5599

0.1799

0.02193

45.5992

0.12193

8.2014

49.6395

6.0526

19

6.1159

0.1635

0.01955

51.1591

0.11955

8.3649

52.5827

6.2861

20

6.7275

0.1486

0.01746

57.2750

0.11746

8.5136

55.4069

6.5081

21

7.4002

0.1351

0.01562

64.0025

0.11562

8.6487

58.1095

6.7189

22

8.1403

0.1228

0.01401

71.4027

0.11401

8.7715

60.6893

6.9189

23

8.9543

0.1117

0.01257

79.5430

0.11257

8.8832

63.1462

7.1085

24

9.8497

0.1015

0.01130

88.4973

0.11130

8.9847

65.4813

7.2881

25

10.8347

0.0923

0.01017

98.3471

0.11017

9.0770

67.6964

7.4580

26

11.9182

0.0839

0.00916

109.1818

0.10916

9.1609

69.7940

7.6186

27

13.1100

0.0763

0.00826

121.0999

0.10826

9.2372

71.7773

7.7704

28

14.4210

0.0693

0.00745

134.2099

0.10745

9.3066

73.6495

7.9137

29

15.8631

0.0630

0.00673

148.6309

0.10673

9.3696

75.4146

8.0489

30

17.4494

0.0573

0.00608

164.4940

0.10608

9.4269

77.0766

8.1762

31

19.1943

0.0521

0.00550

181.9434

0.10550

9.4790

78.6395

8.2962

32

21.1138

0.0474

0.00497

201.1378

0.10497

9.5264

80.1078

8.4091

33

23.2252

0.0431

0.00450

222.2515

0.10450

9.5694

81.4856

8.5152

34

25.5477

0.0391

0.00407

245.4767

0.10407

9.6086

82.7773

8.6149

35

28.1024

0.0356

0.00369

271.0244

0.10369

9.6442

83.9872

8.7086

40

45.2593

0.0221

0.00226

442.5926

0.10226

9.7791

88.9525

9.0962

45

72.8905

0.0137

0.00139

718.9048

0.10139

9.8628

92.4544

9.3740

50

117.3909

0.0085

0.00086

1163.91

0.10086

9.9148

94.8889

9.5704

55

189.0591

0.0053

0.00053

1880.59

0.10053

9.9471

96.5619

9.7075

60

304.4816

0.0033

0.00033

3034.82

0.10033

9.9672

97.7010

9.8023

65

490.3707

0.0020

0.00020

4893.71

0.10020

9.9796

98.4705

9.8672

70

789.7470

0.0013

0.00013

7887.47

0.10013

9.9873

98.9870

9.9113

75

1271.90

0.0008

0.00008

12709

0.10008

9.9921

99.3317

9.9410

80

2048.40

0.0005

0.00005

20474

0.10005

9.9951

99.5606

9.9609

85

3298.97

0.0003

0.00003

32980

0.10003

9.9970

99.7120

9.9742

90

5313.02

0.0002

0.00002

53120

0.10002

9.9981

99.8118

9.9831

95

8556.68

0.0001

0.00001

85557

0.10001

9.9988

99.8773

9.9889

96

9412.34

0.0001

0.00001

94113

0.10001

9.9989

99.8874

9.9898

98

11389

0.0001

0.00001

0.10001

9.9991

99.9052

9.9914

100

13781

0.0001

0.00001

0.10001

9.9993

99.9202

9.9927

596

Compound Interest Factor Tables

11%

TABLE 16

11%

Discrete Cash Flow: Compound Interest Factors

Single Payments

Uniform Series Payments

Present
Worth
PyF

Sinking
Fund
AyF

Compound
Amount
FyA

1.1100

0.9009

1.00000

1.0000

1.11000

0.9009

1.2321

0.8116

0.47393

2.1100

0.58393

1.7125

0.8116

0.4739

1.3676

0.7312

0.29921

3.3421

0.40921

2.4437

2.2740

0.9306

1.5181

0.6587

0.21233

4.7097

0.32233

3.1024

4.2502

1.3700

1.6851

0.5935

0.16057

6.2278

0.27057

3.6959

6.6240

1.7923

1.8704

0.5346

0.12638

7.9129

0.23638

4.2305

9.2972

2.1976

2.0762

0.4817

0.10222

9.7833

0.21222

4.7122

12.1872

2.5863

2.3045

0.4339

0.08432

11.8594

0.19432

5.1461

15.2246

2.9585

2.5580

0.3909

0.07060

14.1640

0.18060

5.5370

18.3520

3.3144

10

2.8394

0.3522

0.05980

16.7220

0.16980

5.8892

21.5217

3.6544

Capital
Recovery
AyP

Arithmetic Gradients

Compound
Amount
FyP

Present
Worth
PyA

Gradient
Present Worth
PyG

Gradient
Uniform Series
AyG

11

3.1518

0.3173

0.05112

19.5614

0.16112

6.2065

24.6945

3.9788

12

3.4985

0.2858

0.04403

22.7132

0.15403

6.4924

27.8388

4.2879

13

3.8833

0.2575

0.03815

26.2116

0.14815

6.7499

30.9290

4.5822

14

4.3104

0.2320

0.03323

30.0949

0.14323

6.9819

33.9449

4.8619

15

4.7846

0.2090

0.02907

34.4054

0.13907

7.1909

36.8709

5.1275

16

5.3109

0.1883

0.02552

39.1899

0.13552

7.3792

39.6953

5.3794

17

5.8951

0.1696

0.02247

44.5008

0.13247

7.5488

42.4095

5.6180

18

6.5436

0.1528

0.01984

50.3959

0.12984

7.7016

45.0074

5.8439

19

7.2633

0.1377

0.01756

56.9395

0.12756

7.8393

47.4856

6.0574

20

8.0623

0.1240

0.01558

64.2028

0.12558

7.9633

49.8423

6.2590

21

8.9492

0.1117

0.01384

72.2651

0.12384

8.0751

52.0771

6.4491
6.6283

22

9.9336

0.1007

0.01231

81.2143

0.12231

8.1757

54.1912

23

11.0263

0.0907

0.01097

91.1479

0.12097

8.2664

56.1864

6.7969

24

12.2392

0.0817

0.00979

102.1742

0.11979

8.3481

58.0656

6.9555

25

13.5855

0.0736

0.00874

114.4133

0.11874

8.4217

59.8322

7.1045

26

15.0799

0.0663

0.00781

127.9988

0.11781

8.4881

61.4900

7.2443

27

16.7386

0.0597

0.00699

143.0786

0.11699

8.5478

63.0433

7.3754

28

18.5799

0.0538

0.00626

159.8173

0.11626

8.6016

64.4965

7.4982

29

20.6237

0.0485

0.00561

178.3972

0.11561

8.6501

65.8542

7.6131

30

22.8923

0.0437

0.00502

199.0209

0.11502

8.6938

67.1210

7.7206

31

25.4104

0.0394

0.00451

221.9132

0.11451

8.7331

68.3016

7.8210

32

28.2056