190 APPENDIX A

i= 1%
n F/P P/F F/A A/F P/A A/P A/G
1 1.01000 0.99010 1.0000 1.00000 0.9901 1.01000 0.00000
2 1.02010 0.98030 2.0100 0.49751 1.9704 0.50751 0.49751
3 1.03030 0.97059 3.0301 0.33002 2.9410 0.34002 0.99337
4 1.04060 0.96098 4.0604 0.24628 3.9020 0.25628 1.48756
5 1.05101 0.95147 5.1010 0.19604 4.8534 0.20604 1.98010
6 1.06152 0.94205 6.1520 0.16255 5.7955 0.17255 2.47098
7 1.07214 0.93272 7.2135 0.13863 6.7282 0.14863 2.96020
8 1.08286 0.92348 8.2857 0.12069 7.6517 0.13069 3.44777
9 1.09369 0.91434 9.3685 0.10674 8.5660 0.11674 3.93367
10 1.10462 0.90529 10.4622 0.09558 9.4713 0.10558 4.41792
11 1.11567 0.89632 11.5668 0.08645 10.3676 0.09645 4.90052
12 1.12683 0.88745 12.6825 0.07885 11.2551 0.08885 5.38145
13 1.13809 0.87866 13.8093 0.07241 12.1337 0.08241 5.86073
14 1.14947 0.86996 14.9474 0.06690 13.0037 0.07690 6.33836
15 1.16097 0.86135 16.0969 0.06212 13.8651 0.07212 6.81433
16 1.17258 0.85282 17.2579 0.05794 14.7179 0.06794 7.28865
17 1.18430 0.84438 18.4304 0.05426 15.5623 0.06426 7.76131
18 1.19615 0.83602 19.6147 0.05098 16.3983 0.06098 8.23231
19 1.20811 0.82774 20.8109 0.04805 17.2260 0.05805 8.70167
20 1.22019 0.81954 22.0190 0.04542 18.0456 0.05542 9.16937
25 1.28243 0.77977 28.2432 0.03541 22.0232 0.04541 11.48312
30 1.34785 0.74192 34.7849 0.02875 25.8077 0.03875 13.75566
35 1.41660 0.70591 41.6603 0.02400 29.4086 0.03400 15.98711
40 1.48886 0.67165 48.8864 0.02046 32.8347 0.03046 18.17761
45 1.56481 0.63905 56.4811 0.01771 36.0945 0.02771 20.32730
50 1.64463 0.60804 64.4632 0.01551 39.1961 0.02551 22.43635
55 1.72852 0.57853 72.8525 0.01373 42.1472 0.02373 24.50495
60 1.81670 0.55045 81.6697 0.01224 44.9550 0.02224 26.53331
65 1.90937 0.52373 90.9366 0.01100 47.6266 0.02100 28.52167
70 2.00676 0.49831 100.6763 0.00993 50.1685 0.01993 30.47026
75 2.10913 0.47413 110.9128 0.00902 52.5871 0.01902 32.37934
80 2.21672 0.45112 121.6715 0.00822 54.8882 0.01822 34.24920
85 2.32979 0.42922 132.9790 0.00752 57.0777 0.01752 36.08013
90 2.44863 0.40839 144.8633 0.00690 59.1609 0.01690 37.87245
95 2.57354 0.38857 157.3538 0.00636 61.1430 0.01636 39.62648
100 2.70481 0.36971 170.4814 0.00587 63.0289 0.01587 41.34257
 COMPOUND INTEREST FACTORS 191

i= 2%

n F/P P/F F/A A/F P/A A/P A/G

1 1.02000 0.98039 1.0000 1.00000 0.9804 1.02000 0.00000
2 1.04040 0.96117 2.0200 0.49505 1.9416 0.51505 0.49505
3 1.06121 0.94232 3.0604 0.32675 2.8839 0.34675 0.98680
4 1.08243 0.92385 4.1216 0.24262 3.8077 0.26262 1.47525
5 1.10408 0.90573 5.2040 0.19216 4.7135 0.21216 1.96040
6 1.12616 0.88797 6.3081 0.15853 5.6014 0.17853 2.44226
7 1.14869 0.87056 7.4343 0.13451 6.4720 0.15451 2.92082
8 1.17166 0.85349 8.5830 0.11651 7.3255 0.13651 3.39608
9 1.19509 0.83676 9.7546 0.10252 8.1622 0.12252 3.86805
10 1.21899 0.82035 10.9497 0.09133 8.9826 0.11133 4.33674
11 1.24337 0.80426 12.1687 0.08218 9.7868 0.10218 4.80213
12 1.26824 0.78849 13.4121 0.07456 10.5753 0.09456 5.26424
13 1.29361 0.77303 14.6803 0.06812 11.3484 0.08812 5.72307
14 1.31948 0.75788 15.9739 0.06260 12.1062 0.08260 6.17862
15 1.34587 0.74301 17.2934 0.05783 12.8493 0.07783 6.63090
16 1.37279 0.72845 18.6393 0.05365 13.5777 0.07365 7.07990
17 1.40024 0.71416 20.0121 0.04997 14.2919 0.06997 7.52564
18 1.42825 0.70016 21.4123 0.04670 14.9920 0.06670 7.96811
19 1.45681 0.68643 22.8406 0.04378 15.6785 0.06378 8.40732
20 1.48595 0.67297 24.2974 0.04116 16.3514 0.06116 8.84328
25 1.64061 0.60953 32.0303 0.03122 19.5235 0.05122 10.97445
30 1.81136 0.55207 40.5681 0.02465 22.3965 0.04465 13.02512
35 1.99989 0.50003 49.9945 0.02000 24.9986 0.04000 14.99613
40 2.20804 0.45289 60.4020 0.01656 27.3555 0.03656 16.88850
45 2.43785 0.41020 71.8927 0.01391 29.4902 0.03391 18.70336
50 2.69159 0.37153 84.5794 0.01182 31.4236 0.03182 20.44198
55 2.97173 0.33650 98.5865 0.01014 33.1748 0.03014 22.10572
60 3.28103 0.30478 114.0515 0.00877 34.7609 0.02877 23.69610
65 3.62252 0.27605 131.1262 0.00763 36.1975 0.02763 25.21471
70 3.99956 0.25003 149.9779 0.00667 37.4986 0.02667 26.66323
75 4.41584 0.22646 170.7918 0.00586 38.6771 0.02586 28.04344
80 4.87544 0.20511 193.7720 0.00516 39.7445 0.02516 29.35718
85 5.38288 0.18577 219.1439 0.00456 40.7113 0.02456 30.60635
90 5.94313 0.16826 247.1567 0.00405 41.5869 0.02405 31.79292
95 6.56170 0.15240 278.0850 0.00360 42.3800 0.02360 32.91889
100 7.24465 0.13803 312.2323 0.00320 43.0984 0.02320 33.98628
192 APPENDIX A

i= 3%
n F/P P/F F/A A/F P/A A/P A/G
1 1.03000 0.97087 1.0000 1.00000 0.9709 1.03000 0.00000
2 1.06090 0.94260 2.0300 0.49261 1.9135 0.52261 0.49261
3 1.09273 0.91514 3.0909 0.32353 2.8286 0.35353 0.98030
4 1.12551 0.88849 4.1836 0.23903 3.7171 0.26903 1.46306
5 1.15927 0.86261 5.3091 0.18835 4.5797 0.21835 1.94090
6 1.19405 0.83748 6.4684 0.15460 5.4172 0.18460 2.41383
7 1.22987 0.81309 7.6625 0.13051 6.2303 0.16051 2.88185
8 1.26677 0.78941 8.8923 0.11246 7.0197 0.14246 3.34496
9 1.30477 0.76642 10.1591 0.09843 7.7861 0.12843 3.80318
10 1.34392 0.74409 11.4639 0.08723 8.5302 0.11723 4.25650
11 1.38423 0.72242 12.8078 0.07808 9.2526 0.10808 4.70494
12 1.42576 0.70138 14.1920 0.07046 9.9540 0.10046 5.14850
13 1.46853 0.68095 15.6178 0.06403 10.6350 0.09403 5.58720
14 1.51259 0.66112 17.0863 0.05853 11.2961 0.08853 6.02104
15 1.55797 0.64186 18.5989 0.05377 11.9379 0.08377 6.45004
16 1.60471 0.62317 20.1569 0.04961 12.5611 0.07961 6.87421
17 1.65285 0.60502 21.7616 0.04595 13.1661 0.07595 7.29357
18 1.70243 0.58739 23.4144 0.04271 13.7535 0.07271 7.70812
19 1.75351 0.57029 25.1169 0.03981 14.3238 0.06981 8.11788
20 1.80611 0.55368 26.8704 0.03722 14.8775 0.06722 8.52286
25 2.09378 0.47761 36.4593 0.02743 17.4131 0.05743 10.47677
30 2.42726 0.41199 47.5754 0.02102 19.6004 0.05102 12.31407
35 2.81386 0.35538 60.4621 0.01654 21.4872 0.04654 14.03749
40 3.26204 0.30656 75.4013 0.01326 23.1148 0.04326 15.65016
45 3.78160 0.26444 92.7199 0.01079 24.5187 0.04079 17.15557
50 4.38391 0.22811 112.7969 0.00887 25.7298 0.03887 18.55751
55 5.08215 0.19677 136.0716 0.00735 26.7744 0.03735 19.86004
60 5.89160 0.16973 163.0534 0.00613 27.6756 0.03613 21.06742
65 6.82998 0.14641 194.3328 0.00515 28.4529 0.03515 22.18407
70 7.91782 0.12630 230.5941 0.00434 29.1234 0.03434 23.21454
75 9.17893 0.10895 272.6309 0.00367 29.7018 0.03367 24.16342
80 10.64089 0.09398 321.3630 0.00311 30.2008 0.03311 25.03534
85 12.33571 0.08107 377.8570 0.00265 30.6312 0.03265 25.83490
90 14.30047 0.06993 443.3489 0.00226 31.0024 0.03226 26.56665
95 16.57816 0.06032 519.2720 0.00193 31.3227 0.03193 27.23505
100 19.21863 0.05203 607.2877 0.00165 31.5989 0.03165 27.84445
 COMPOUND INTEREST FACTORS 193

i= 4%
n F/P P/F F/A A/F P/A A/P A/G
1 1.04000 0.96154 1.0000 1.00000 0.9615 1.04000 0.00000
2 1.08160 0.92456 2.0400 0.49020 1.8861 0.53020 0.49020
3 1.12486 0.88900 3.1216 0.32035 2.7751 0.36035 0.97386
4 1.16986 0.85480 4.2465 0.23549 3.6299 0.27549 1.45100
5 1.21665 0.82193 5.4163 0.18463 4.4518 0.22463 1.92161
6 1.26532 0.79031 6.6330 0.15076 5.2421 0.19076 2.38571
7 1.31593 0.75992 7.8983 0.12661 6.0021 0.16661 2.84332
8 1.36857 0.73069 9.2142 0.10853 6.7327 0.14853 3.29443
9 1.42331 0.70259 10.5828 0.09449 7.4353 0.13449 3.73908
10 1.48024 0.67556 12.0061 0.08329 8.1109 0.12329 4.17726
11 1.53945 0.64958 13.4864 0.07415 8.7605 0.11415 4.60901
12 1.60103 0.62460 15.0258 0.06655 9.3851 0.10655 5.03435
13 1.66507 0.60057 16.6268 0.06014 9.9856 0.10014 5.45329
14 1.73168 0.57748 18.2919 0.05467 10.5631 0.09467 5.86586
15 1.80094 0.55526 20.0236 0.04994 11.1184 0.08994 6.27209
16 1.87298 0.53391 21.8245 0.04582 11.6523 0.08582 6.67200
17 1.94790 0.51337 23.6975 0.04220 12.1657 0.08220 7.06563
18 2.02582 0.49363 25.6454 0.03899 12.6593 0.07899 7.45300
19 2.10685 0.47464 27.6712 0.03614 13.1339 0.07614 7.83416
20 2.19112 0.45639 29.7781 0.03358 13.5903 0.07358 8.20912
25 2.66584 0.37512 41.6459 0.02401 15.6221 0.06401 9.99252
30 3.24340 0.30832 56.0849 0.01783 17.2920 0.05783 11.62743
35 3.94609 0.25342 73.6522 0.01358 18.6646 0.05358 13.11984
40 4.80102 0.20829 95.0255 0.01052 19.7928 0.05052 14.47651
45 5.84118 0.17120 121.0294 0.00826 20.7200 0.04826 15.70474
50 7.10668 0.14071 152.6671 0.00655 21.4822 0.04655 16.81225
55 8.64637 0.11566 191.1592 0.00523 22.1086 0.04523 17.80704
60 10.51963 0.09506 237.9907 0.00420 22.6235 0.04420 18.69723
65 12.79874 0.07813 294.9684 0.00339 23.0467 0.04339 19.49093
70 15.57162 0.06422 364.2905 0.00275 23.3945 0.04275 20.19614
75 18.94525 0.05278 448.6314 0.00223 23.6804 0.04223 20.82062
80 23.04980 0.04338 551.2450 0.00181 23.9154 0.04181 21.37185
85 28.04360 0.03566 676.0901 0.00148 24.1085 0.04148 21.85693
90 34.11933 0.02931 827.9833 0.00121 24.2673 0.04121 22.28255
95 41.51139 0.02409 1012.7846 0.00099 24.3978 0.04099 22.65498
100 50.50495 0.01980 1237.6237 0.00081 24.5050 0.04081 22.98000
194 APPENDIX A

i= 5%
n F/P P/F F/A A/F P/A A/P A/G
1 1.05000 0.95238 1.0000 1.00000 0.9524 1.05000 0.00000
2 1.10250 0.90703 2.0500 0.48780 1.8594 0.53780 0.48780
3 1.15763 0.86384 3.1525 0.31721 2.7232 0.36721 0.96749
4 1.21551 0.82270 4.3101 0.23201 3.5460 0.28201 1.43905
5 1.27628 0.78353 5.5256 0.18097 4.3295 0.23097 1.90252
6 1.34010 0.74622 6.8019 0.14702 5.0757 0.19702 2.35790
7 1.40710 0.71068 8.1420 0.12282 5.7864 0.17282 2.80523
8 1.47746 0.67684 9.5491 0.10472 6.4632 0.15472 3.24451
9 1.55133 0.64461 11.0266 0.09069 7.1078 0.14069 3.67579
10 1.62889 0.61391 12.5779 0.07950 7.7217 0.12950 4.09909
11 1.71034 0.58468 14.2068 0.07039 8.3064 0.12039 4.51444
12 1.79586 0.55684 15.9171 0.06283 8.8633 0.11283 4.92190
13 1.88565 0.53032 17.7130 0.05646 9.3936 0.10646 5.32150
14 1.97993 0.50507 19.5986 0.05102 9.8986 0.10102 5.71329
15 2.07893 0.48102 21.5786 0.04634 10.3797 0.09634 6.09731
16 2.18287 0.45811 23.6575 0.04227 10.8378 0.09227 6.47363
17 2.29202 0.43630 25.8404 0.03870 11.2741 0.08870 6.84229
18 2.40662 0.41552 28.1324 0.03555 11.6896 0.08555 7.20336
19 2.52695 0.39573 30.5390 0.03275 12.0853 0.08275 7.55690
20 2.65330 0.37689 33.0660 0.03024 12.4622 0.08024 7.90297
25 3.38635 0.29530 47.7271 0.02095 14.0939 0.07095 9.52377
30 4.32194 0.23138 66.4388 0.01505 15.3725 0.06505 10.96914
35 5.51602 0.18129 90.3203 0.01107 16.3742 0.06107 12.24980
40 7.03999 0.14205 120.7998 0.00828 17.1591 0.05828 13.37747
45 8.98501 0.11130 159.7002 0.00626 17.7741 0.05626 14.36444
50 11.46740 0.08720 209.3480 0.00478 18.2559 0.05478 15.22326
55 14.63563 0.06833 272.7126 0.00367 18.6335 0.05367 15.96645
60 18.67919 0.05354 353.5837 0.00283 18.9293 0.05283 16.60618
65 23.83990 0.04195 456.7980 0.00219 19.1611 0.05219 17.15410
70 30.42643 0.03287 588.5285 0.00170 19.3427 0.05170 17.62119
75 38.83269 0.02575 756.6537 0.00132 19.4850 0.05132 18.01759
80 49.56144 0.02018 971.2288 0.00103 19.5965 0.05103 18.35260
85 63.25435 0.01581 1245.0871 0.00080 19.6838 0.05080 18.63463
90 80.73037 0.01239 1594.6073 0.00063 19.7523 0.05063 18.87120
95 103.03468 0.00971 2040.6935 0.00049 19.8059 0.05049 19.06894
100 131.50126 0.00760 2610.0252 0.00038 19.8479 0.05038 19.23372
 COMPOUND INTEREST FACTORS 195

i= 6%
n F/P P/F F/A A/F P/A A/P A/G
1 1.06000 0.94340 1.0000 1.00000 0.9434 1.06000 0.00000
2 1.12360 0.89000 2.0600 0.48544 1.8334 0.54544 0.48544
3 1.19102 0.83962 3.1836 0.31411 2.6730 0.37411 0.96118
4 1.26248 0.79209 4.3746 0.22859 3.4651 0.28859 1.42723
5 1.33823 0.74726 5.6371 0.17740 4.2124 0.23740 1.88363
6 1.41852 0.70496 6.9753 0.14336 4.9173 0.20336 2.33040
7 1.50363 0.66506 8.3938 0.11914 5.5824 0.17914 2.76758
8 1.59385 0.62741 9.8975 0.10104 6.2098 0.16104 3.19521
9 1.68948 0.59190 11.4913 0.08702 6.8017 0.14702 3.61333
10 1.79085 0.55839 13.1808 0.07587 7.3601 0.13587 4.02201
11 1.89830 0.52679 14.9716 0.06679 7.8869 0.12679 4.42129
12 2.01220 0.49697 16.8699 0.05928 8.3838 0.11928 4.81126
13 2.13293 0.46884 18.8821 0.05296 8.8527 0.11296 5.19198
14 2.26090 0.44230 21.0151 0.04758 9.2950 0.10758 5.56352
15 2.39656 0.41727 23.2760 0.04296 9.7122 0.10296 5.92598
16 2.54035 0.39365 25.6725 0.03895 10.1059 0.09895 6.27943
17 2.69277 0.37136 28.2129 0.03544 10.4773 0.09544 6.62397
18 2.85434 0.35034 30.9057 0.03236 10.8276 0.09236 6.95970
19 3.02560 0.33051 33.7600 0.02962 11.1581 0.08962 7.28673
20 3.20714 0.31180 36.7856 0.02718 11.4699 0.08718 7.60515
25 4.29187 0.23300 54.8645 0.01823 12.7834 0.07823 9.07220
30 5.74349 0.17411 79.0582 0.01265 13.7648 0.07265 10.34221
35 7.68609 0.13011 111.4348 0.00897 14.4982 0.06897 11.43192
40 10.28572 0.09722 154.7620 0.00646 15.0463 0.06646 12.35898
45 13.76461 0.07265 212.7435 0.00470 15.4558 0.06470 13.14129
50 18.42015 0.05429 290.3359 0.00344 15.7619 0.06344 13.79643
55 24.65032 0.04057 394.1720 0.00254 15.9905 0.06254 14.34112
60 32.98769 0.03031 533.1282 0.00188 16.1614 0.06188 14.79095
65 44.14497 0.02265 719.0829 0.00139 16.2891 0.06139 15.16012
70 59.07593 0.01693 967.9322 0.00103 16.3845 0.06103 15.46135
75 79.05692 0.01265 1300.9487 0.00077 16.4558 0.06077 15.70583
80 105.79599 0.00945 1746.5999 0.00057 16.5091 0.06057 15.90328
85 141.57890 0.00706 2342.9817 0.00043 16.5489 0.06043 16.06202
90 189.46451 0.00528 3141.0752 0.00032 16.5787 0.06032 16.18912
95 253.54625 0.00394 4209.1042 0.00024 16.6009 0.06024 16.29050
100 339.30208 0.00295 5638.3681 0.00018 16.6175 0.06018 16.37107
196 APPENDIX A

i= 7%
n F/P P/F F/A A/F P/A A/P A/G
1 1.07000 0.93458 1.0000 1.00000 0.9346 1.07000 0.00000
2 1.14490 0.87344 2.0700 0.48309 1.8080 0.55309 0.48309
3 1.22504 0.81630 3.2149 0.31105 2.6243 0.38105 0.95493
4 1.31080 0.76290 4.4399 0.22523 3.3872 0.29523 1.41554
5 1.40255 0.71299 5.7507 0.17389 4.1002 0.24389 1.86495
6 1.50073 0.66634 7.1533 0.13980 4.7665 0.20980 2.30322
7 1.60578 0.62275 8.6540 0.11555 5.3893 0.18555 2.73039
8 1.71819 0.58201 10.2598 0.09747 5.9713 0.16747 3.14654
9 1.83846 0.54393 11.9780 0.08349 6.5152 0.15349 3.55174
10 1.96715 0.50835 13.8164 0.07238 7.0236 0.14238 3.94607
11 2.10485 0.47509 15.7836 0.06336 7.4987 0.13336 4.32963
12 2.25219 0.44401 17.8885 0.05590 7.9427 0.12590 4.70252
13 2.40985 0.41496 20.1406 0.04965 8.3577 0.11965 5.06484
14 2.57853 0.38782 22.5505 0.04434 8.7455 0.11434 5.41673
15 2.75903 0.36245 25.1290 0.03979 9.1079 0.10979 5.75829
16 2.95216 0.33873 27.8881 0.03586 9.4466 0.10586 6.08968
17 3.15882 0.31657 30.8402 0.03243 9.7632 0.10243 6.41102
18 3.37993 0.29586 33.9990 0.02941 10.0591 0.09941 6.72247
19 3.61653 0.27651 37.3790 0.02675 10.3356 0.09675 7.02418
20 3.86968 0.25842 40.9955 0.02439 10.5940 0.09439 7.31631
25 5.42743 0.18425 63.2490 0.01581 11.6536 0.08581 8.63910
30 7.61226 0.13137 94.4608 0.01059 12.4090 0.08059 9.74868
35 10.67658 0.09366 138.2369 0.00723 12.9477 0.07723 10.66873
40 14.97446 0.06678 199.6351 0.00501 13.3317 0.07501 11.42335
45 21.00245 0.04761 285.7493 0.00350 13.6055 0.07350 12.03599
50 29.45703 0.03395 406.5289 0.00246 13.8007 0.07246 12.52868
55 41.31500 0.02420 575.9286 0.00174 13.9399 0.07174 12.92146
60 57.94643 0.01726 813.5204 0.00123 14.0392 0.07123 13.23209
65 81.27286 0.01230 1146.7552 0.00087 14.1099 0.07087 13.47598
70 113.98939 0.00877 1614.1342 0.00062 14.1604 0.07062 13.66619
75 159.87602 0.00625 2269.6574 0.00044 14.1964 0.07044 13.81365
80 224.23439 0.00446 3189.0627 0.00031 14.2220 0.07031 13.92735
85 314.50033 0.00318 4478.5761 0.00022 14.2403 0.07022 14.01458
90 441.10298 0.00227 6287.1854 0.00016 14.2533 0.07016 14.08122
95 618.66975 0.00162 8823.8535 0.00011 14.2626 0.07011 14.13191
100 867.71633 0.00115 12381.6618 0.00008 14.2693 0.07008 14.17034
 COMPOUND INTEREST FACTORS 197

i= 8%
n F/P P/F F/A A/F P/A A/P A/G
1 1.08000 0.92593 1.0000 1.00000 0.9259 1.08000 0.00000
2 1.16640 0.85734 2.0800 0.48077 1.7833 0.56077 0.48077
3 1.25971 0.79383 3.2464 0.30803 2.5771 0.38803 0.94874
4 1.36049 0.73503 4.5061 0.22192 3.3121 0.30192 1.40396
5 1.46933 0.68058 5.8666 0.17046 3.9927 0.25046 1.84647
6 1.58687 0.63017 7.3359 0.13632 4.6229 0.21632 2.27635
7 1.71382 0.58349 8.9228 0.11207 5.2064 0.19207 2.69366
8 1.85093 0.54027 10.6366 0.09401 5.7466 0.17401 3.09852
9 1.99900 0.50025 12.4876 0.08008 6.2469 0.16008 3.49103
10 2.15892 0.46319 14.4866 0.06903 6.7101 0.14903 3.87131
11 2.33164 0.42888 16.6455 0.06008 7.1390 0.14008 4.23950
12 2.51817 0.39711 18.9771 0.05270 7.5361 0.13270 4.59575
13 2.71962 0.36770 21.4953 0.04652 7.9038 0.12652 4.94021
14 2.93719 0.34046 24.2149 0.04130 8.2442 0.12130 5.27305
15 3.17217 0.31524 27.1521 0.03683 8.5595 0.11683 5.59446
16 3.42594 0.29189 30.3243 0.03298 8.8514 0.11298 5.90463
17 3.70002 0.27027 33.7502 0.02963 9.1216 0.10963 6.20375
18 3.99602 0.25025 37.4502 0.02670 9.3719 0.10670 6.49203
19 4.31570 0.23171 41.4463 0.02413 9.6036 0.10413 6.76969
20 4.66096 0.21455 45.7620 0.02185 9.8181 0.10185 7.03695
25 6.84848 0.14602 73.1059 0.01368 10.6748 0.09368 8.22538
30 10.06266 0.09938 113.2832 0.00883 11.2578 0.08883 9.18971
35 14.78534 0.06763 172.3168 0.00580 11.6546 0.08580 9.96107
40 21.72452 0.04603 259.0565 0.00386 11.9246 0.08386 10.56992
45 31.92045 0.03133 386.5056 0.00259 12.1084 0.08259 11.04465
50 46.90161 0.02132 573.7702 0.00174 12.2335 0.08174 11.41071
55 68.91386 0.01451 848.9232 0.00118 12.3186 0.08118 11.69015
60 101.25706 0.00988 1253.2133 0.00080 12.3766 0.08080 11.90154
65 148.77985 0.00672 1847.2481 0.00054 12.4160 0.08054 12.06016
70 218.60641 0.00457 2720.0801 0.00037 12.4428 0.08037 12.17832
75 321.20453 0.00311 4002.5566 0.00025 12.4611 0.08025 12.26577
80 471.95483 0.00212 5886.9354 0.00017 12.4735 0.08017 12.33013
85 693.45649 0.00144 8655.7061 0.00012 12.4820 0.08012 12.37725
90 1018.91509 0.00098 12723.9386 0.00008 12.4877 0.08008 12.41158
95 1497.12055 0.00067 18701.5069 0.00005 12.4917 0.08005 12.43650
100 2199.76126 0.00045 27484.5157 0.00004 12.4943 0.08004 12.45452
198 APPENDIX A

i= 9%
n F/P P/F F/A A/F P/A A/P A/G
1 1.09000 0.91743 1.0000 1.00000 0.9174 1.09000 0.00000
2 1.18810 0.84168 2.0900 0.47847 1.7591 0.56847 0.47847
3 1.29503 0.77218 3.2781 0.30505 2.5313 0.39505 0.94262
4 1.41158 0.70843 4.5731 0.21867 3.2397 0.30867 1.39250
5 1.53862 0.64993 5.9847 0.16709 3.8897 0.25709 1.82820
6 1.67710 0.59627 7.5233 0.13292 4.4859 0.22292 2.24979
7 1.82804 0.54703 9.2004 0.10869 5.0330 0.19869 2.65740
8 1.99256 0.50187 11.0285 0.09067 5.5348 0.18067 3.05117
9 2.17189 0.46043 13.0210 0.07680 5.9952 0.16680 3.43123
10 2.36736 0.42241 15.1929 0.06582 6.4177 0.15582 3.79777
11 2.58043 0.38753 17.5603 0.05695 6.8052 0.14695 4.15096
12 2.81266 0.35553 20.1407 0.04965 7.1607 0.13965 4.49102
13 3.06580 0.32618 22.9534 0.04357 7.4869 0.13357 4.81816
14 3.34173 0.29925 26.0192 0.03843 7.7862 0.12843 5.13262
15 3.64248 0.27454 29.3609 0.03406 8.0607 0.12406 5.43463
16 3.97031 0.25187 33.0034 0.03030 8.3126 0.12030 5.72446
17 4.32763 0.23107 36.9737 0.02705 8.5436 0.11705 6.00238
18 4.71712 0.21199 41.3013 0.02421 8.7556 0.11421 6.26865
19 5.14166 0.19449 46.0185 0.02173 8.9501 0.11173 6.52358
20 5.60441 0.17843 51.1601 0.01955 9.1285 0.10955 6.76745
25 8.62308 0.11597 84.7009 0.01181 9.8226 0.10181 7.83160
30 13.26768 0.07537 136.3075 0.00734 10.2737 0.09734 8.66566
35 20.41397 0.04899 215.7108 0.00464 10.5668 0.09464 9.30829
40 31.40942 0.03184 337.8824 0.00296 10.7574 0.09296 9.79573
45 48.32729 0.02069 525.8587 0.00190 10.8812 0.09190 10.16029
50 74.35752 0.01345 815.0836 0.00123 10.9617 0.09123 10.42952
55 114.40826 0.00874 1260.0918 0.00079 11.0140 0.09079 10.62614
60 176.03129 0.00568 1944.7921 0.00051 11.0480 0.09051 10.76832
65 270.84596 0.00369 2998.2885 0.00033 11.0701 0.09033 10.87023
70 416.73009 0.00240 4619.2232 0.00022 11.0844 0.09022 10.94273
75 641.19089 0.00156 7113.2321 0.00014 11.0938 0.09014 10.99396
80 986.55167 0.00101 10950.5741 0.00009 11.0998 0.09009 11.02994
85 1517.93203 0.00066 16854.8003 0.00006 11.1038 0.09006 11.05508
90 2335.52658 0.00043 25939.1842 0.00004 11.1064 0.09004 11.07256
95 3593.49715 0.00028 39916.6350 0.00003 11.1080 0.09003 11.08467
100 5529.04079 0.00018 61422.6755 0.00002 11.1091 0.09002 11.09302
 COMPOUND INTEREST FACTORS 199

i= 10%

n F/P P/F F/A A/F P/A A/P A/G

1 1.10000 0.90909 1.0000 1.00000 0.9091 1.10000 0.00000
2 1.21000 0.82645 2.1000 0.47619 1.7355 0.57619 0.47619
3 1.33100 0.75131 3.3100 0.30211 2.4869 0.40211 0.93656
4 1.46410 0.68301 4.6410 0.21547 3.1699 0.31547 1.38117
5 1.61051 0.62092 6.1051 0.16380 3.7908 0.26380 1.81013
6 1.77156 0.56447 7.7156 0.12961 4.3553 0.22961 2.22356
7 1.94872 0.51316 9.4872 0.10541 4.8684 0.20541 2.62162
8 2.14359 0.46651 11.4359 0.08744 5.3349 0.18744 3.00448
9 2.35795 0.42410 13.5795 0.07364 5.7590 0.17364 3.37235
10 2.59374 0.38554 15.9374 0.06275 6.1446 0.16275 3.72546
11 2.85312 0.35049 18.5312 0.05396 6.4951 0.15396 4.06405
12 3.13843 0.31863 21.3843 0.04676 6.8137 0.14676 4.38840
13 3.45227 0.28966 24.5227 0.04078 7.1034 0.14078 4.69879
14 3.79750 0.26333 27.9750 0.03575 7.3667 0.13575 4.99553
15 4.17725 0.23939 31.7725 0.03147 7.6061 0.13147 5.27893
16 4.59497 0.21763 35.9497 0.02782 7.8237 0.12782 5.54934
17 5.05447 0.19784 40.5447 0.02466 8.0216 0.12466 5.80710
18 5.55992 0.17986 45.5992 0.02193 8.2014 0.12193 6.05256
19 6.11591 0.16351 51.1591 0.01955 8.3649 0.11955 6.28610
20 6.72750 0.14864 57.2750 0.01746 8.5136 0.11746 6.50808
25 10.8347 0.09230 98.3471 0.01017 9.0770 0.11017 7.45798
30 17.4494 0.05731 164.494 0.00608 9.4269 0.10608 8.17623
35 28.1024 0.03558 271.024 0.00369 9.6442 0.10369 8.70860
40 45.2593 0.02209 442.593 0.00226 9.7791 0.10226 9.09623
45 72.8905 0.01372 718.905 0.00139 9.8628 0.10139 9.37405
50 117.391 0.00852 1163.91 0.00086 9.9148 0.10086 9.57041
55 189.059 0.00529 1880.59 0.00053 9.9471 0.10053 9.70754
60 304.482 0.00328 3034.82 0.00033 9.9672 0.10033 9.80229
65 490.371 0.00204 4893.71 0.00020 9.9796 0.10020 9.86718
70 789.747 0.00127 7887.47 0.00013 9.9873 0.10013 9.91125
200 APPENDIX A

i= 12%
n F/P P/F F/A A/F P/A A/P A/G
1 1.12000 0.89286 1.0000 1.00000 0.8929 1.12000 0.00000
2 1.25440 0.79719 2.1200 0.47170 1.6901 0.59170 0.47170
3 1.40493 0.71178 3.3744 0.29635 2.4018 0.41635 0.92461
4 1.57352 0.63552 4.7793 0.20923 3.0373 0.32923 1.35885
5 1.76234 0.56743 6.3528 0.15741 3.6048 0.27741 1.77459
6 1.97382 0.50663 8.1152 0.12323 4.1114 0.24323 2.17205
7 2.21068 0.45235 10.0890 0.09912 4.5638 0.21912 2.55147
8 2.47596 0.40388 12.2997 0.08130 4.9676 0.20130 2.91314
9 2.77308 0.36061 14.7757 0.06768 5.3282 0.18768 3.25742
10 3.10585 0.32197 17.5487 0.05698 5.6502 0.17698 3.58465
11 3.47855 0.28748 20.6546 0.04842 5.9377 0.16842 3.89525
12 3.89598 0.25668 24.1331 0.04144 6.1944 0.16144 4.18965
13 4.36349 0.22917 28.0291 0.03568 6.4235 0.15568 4.46830
14 4.88711 0.20462 32.3926 0.03087 6.6282 0.15087 4.73169
15 5.47357 0.18270 37.2797 0.02682 6.8109 0.14682 4.98030
16 6.13039 0.16312 42.7533 0.02339 6.9740 0.14339 5.21466
17 6.86604 0.14564 48.8837 0.02046 7.1196 0.14046 5.43530
18 7.68997 0.13004 55.7497 0.01794 7.2497 0.13794 5.64274
19 8.61276 0.11611 63.4397 0.01576 7.3658 0.13576 5.83752
20 9.64629 0.10367 72.0524 0.01388 7.4694 0.13388 6.02020
25 17.0001 0.05882 133.334 0.00750 7.8431 0.12750 6.77084
30 29.9599 0.03338 241.333 0.00414 8.0552 0.12414 7.29742
35 52.7996 0.01894 431.663 0.00232 8.1755 0.12232 7.65765
40 93.0510 0.01075 767.091 0.00130 8.2438 0.12130 7.89879
45 163.988 0.00610 1358.23 0.00074 8.2825 0.12074 8.05724
50 289.002 0.00346 2400.02 0.00042 8.3045 0.12042 8.15972
55 509.321 0.00196 4236.01 0.00024 8.3170 0.12024 8.22513
60 897.597 0.00111 7471.64 0.00013 8.3240 0.12013 8.26641
65 1581.87 0.00063 13173.9 0.00008 8.3281 0.12008 8.29222
70 2787.80 0.00036 23223.3 0.00004 8.3303 0.12004 8.30821
 COMPOUND INTEREST FACTORS 201

i= 15%

n F/P P/F F/A A/F P/A A/P A/G

1 1.15000 0.86957 1.0000 1.00000 0.8696 1.15000 0.00000
2 1.32250 0.75614 2.1500 0.46512 1.6257 0.61512 0.46512
3 1.52088 0.65752 3.4725 0.28798 2.2832 0.43798 0.90713
4 1.74901 0.57175 4.9934 0.20027 2.8550 0.35027 1.32626
5 2.01136 0.49718 6.7424 0.14832 3.3522 0.29832 1.72281
6 2.31306 0.43233 8.7537 0.11424 3.7845 0.26424 2.09719
7 2.66002 0.37594 11.0668 0.09036 4.1604 0.24036 2.44985
8 3.05902 0.32690 13.7268 0.07285 4.4873 0.22285 2.78133
9 3.51788 0.28426 16.7858 0.05957 4.7716 0.20957 3.09223
10 4.04556 0.24718 20.3037 0.04925 5.0188 0.19925 3.38320
11 4.65239 0.21494 24.3493 0.04107 5.2337 0.19107 3.65494
12 5.35025 0.18691 29.0017 0.03448 5.4206 0.18448 3.90820
13 6.15279 0.16253 34.3519 0.02911 5.5831 0.17911 4.14376
14 7.07571 0.14133 40.5047 0.02469 5.7245 0.17469 4.36241
15 8.13706 0.12289 47.5804 0.02102 5.8474 0.17102 4.56496
16 9.35762 0.10686 55.7175 0.01795 5.9542 0.16795 4.75225
17 10.7613 0.09293 65.0751 0.01537 6.0472 0.16537 4.92509
18 12.3755 0.08081 75.8364 0.01319 6.1280 0.16319 5.08431
19 14.2318 0.07027 88.2118 0.01134 6.1982 0.16134 5.23073
20 16.3665 0.06110 102.444 0.00976 6.2593 0.15976 5.36514
25 32.9190 0.03038 212.793 0.00470 6.4641 0.15470 5.88343
30 66.2118 0.01510 434.745 0.00230 6.5660 0.15230 6.20663
35 133.176 0.00751 881.170 0.00113 6.6166 0.15113 6.40187
40 267.864 0.00373 1779.09 0.00056 6.6418 0.15056 6.51678
45 538.769 0.00186 3585.13 0.00028 6.6543 0.15028 6.58299
50 1083.66 0.00092 7217.72 0.00014 6.6605 0.15014 6.62048
55 2179.62 0.00046 14524.1 0.00007 6.6636 0.15007 6.64142
60 4384.00 0.00023 29220.0 0.00003 6.6651 0.15003 6.65298
65 8817.79 0.00011 58778.6 0.00002 6.6659 0.15002 6.65929
70 17735.7 0.00006 118231 0.00001 6.6663 0.15001 6.66272
202 APPENDIX A

i= 20%

n F/P P/F F/A A/F P/A A/P A/G

1 1.20000 0.83333 1.0000 1.00000 0.8333 1.20000 0.00000
2 1.44000 0.69444 2.2000 0.45455 1.5278 0.65455 0.45455
3 1.72800 0.57870 3.6400 0.27473 2.1065 0.47473 0.87912
4 2.07360 0.48225 5.3680 0.18629 2.5887 0.38629 1.27422
5 2.48832 0.40188 7.4416 0.13438 2.9906 0.33438 1.64051
6 2.98598 0.33490 9.9299 0.10071 3.3255 0.30071 1.97883
7 3.58318 0.27908 12.9159 0.07742 3.6046 0.27742 2.29016
8 4.29982 0.23257 16.4991 0.06061 3.8372 0.26061 2.57562
9 5.15978 0.19381 20.7989 0.04808 4.0310 0.24808 2.83642
10 6.19174 0.16151 25.9587 0.03852 4.1925 0.23852 3.07386
11 7.43008 0.13459 32.1504 0.03110 4.3271 0.23110 3.28929
12 8.91610 0.11216 39.5805 0.02526 4.4392 0.22526 3.48410
13 10.6993 0.09346 48.4966 0.02062 4.5327 0.22062 3.65970
14 12.8392 0.07789 59.1959 0.01689 4.6106 0.21689 3.81749
15 15.4070 0.06491 72.0351 0.01388 4.6755 0.21388 3.95884
16 18.4884 0.05409 87.4421 0.01144 4.7296 0.21144 4.08511
17 22.1861 0.04507 105.931 0.00944 4.7746 0.20944 4.19759
18 26.6233 0.03756 128.117 0.00781 4.8122 0.20781 4.29752
19 31.9480 0.03130 154.740 0.00646 4.8435 0.20646 4.38607
20 38.3376 0.02608 186.688 0.00536 4.8696 0.20536 4.46435
25 95.3962 0.01048 471.981 0.00212 4.9476 0.20212 4.73516
30 237.376 0.00421 1181.88 0.00085 4.9789 0.20085 4.87308
35 590.668 0.00169 2948.34 0.00034 4.9915 0.20034 4.94064
40 1469.77 0.00068 7343.86 0.00014 4.9966 0.20014 4.97277
45 3657.26 0.00027 18281.3 0.00005 4.9986 0.20005 4.98769
50 9100.44 0.00011 45497.2 0.00002 4.9995 0.20002 4.99451
55 22644.8 0.00004 113219 0.00001 4.9998 0.20001 4.99757
60 56347.5 0.00002 281733 0.00000 4.9999 0.20000 4.99894
 COMPOUND INTEREST FACTORS 203

i= 25%
n F/P P/F F/A A/F P/A A/P A/G
1 1.25000 0.80000 1.0000 1.00000 0.8000 1.25000 0.00000
2 1.56250 0.64000 2.2500 0.44444 1.4400 0.69444 0.44444
3 1.95313 0.51200 3.8125 0.26230 1.9520 0.51230 0.85246
4 2.44141 0.40960 5.7656 0.17344 2.3616 0.42344 1.22493
5 3.05176 0.32768 8.2070 0.12185 2.6893 0.37185 1.56307
6 3.81470 0.26214 11.2588 0.08882 2.9514 0.33882 1.86833
7 4.76837 0.20972 15.0735 0.06634 3.1611 0.31634 2.14243
8 5.96046 0.16777 19.8419 0.05040 3.3289 0.30040 2.38725
9 7.45058 0.13422 25.8023 0.03876 3.4631 0.28876 2.60478
10 9.31323 0.10737 33.2529 0.03007 3.5705 0.28007 2.79710
11 11.6415 0.08590 42.5661 0.02349 3.6564 0.27349 2.96631
12 14.5519 0.06872 54.2077 0.01845 3.7251 0.26845 3.11452
13 18.1899 0.05498 68.7596 0.01454 3.7801 0.26454 3.24374
14 22.7374 0.04398 86.9495 0.01150 3.8241 0.26150 3.35595
15 28.4217 0.03518 109.687 0.00912 3.8593 0.25912 3.45299
16 35.5271 0.02815 138.109 0.00724 3.8874 0.25724 3.53660
17 44.4089 0.02252 173.636 0.00576 3.9099 0.25576 3.60838
18 55.5112 0.01801 218.045 0.00459 3.9279 0.25459 3.66979
19 69.3889 0.01441 273.556 0.00366 3.9424 0.25366 3.72218
20 86.7362 0.01153 342.945 0.00292 3.9539 0.25292 3.76673
25 264.698 0.00378 1054.79 0.00095 3.9849 0.25095 3.90519
30 807.794 0.00124 3227.17 0.00031 3.9950 0.25031 3.96282
35 2465.19 0.00041 9856.76 0.00010 3.9984 0.25010 3.98580
40 7523.16 0.00013 30088.7 0.00003 3.9995 0.25003 3.99468
45 22958.87 0.00004 91831.5 0.00001 3.9998 0.25001 3.99804
50 70064.92 0.00001 280256 0.00000 3.9999 0.25000 3.99929
55 213821.2 0.00000 855281 0.00000 4.0000 0.25000 3.99974
60 652530.4 0.00000 2610118 0.00000 4.0000 0.25000 3.99991