Introduction To Finance
Introduction To Finance
Period,
n 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20% 24% 28% 32% 36% 40%
0 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000
1 1,010 1,020 1,030 1,040 1,050 1,060 1,070 1,080 1,090 1,100 1,110 1,120 1,130 1,140 1,150 1,160 1,170 1,180 1,190 1,200 1,240 1,280 1,320 1,360 1,400
2 1,020 1,040 1,061 1,082 1,103 1,124 1,145 1,166 1,188 1,210 1,232 1,254 1,277 1,300 1,323 1,346 1,369 1,392 1,416 1,440 1,538 1,638 1,742 1,850 1,960
3 1,030 1,061 1,093 1,125 1,158 1,191 1,225 1,260 1,295 1,331 1,368 1,405 1,443 1,482 1,521 1,561 1,602 1,643 1,685 1,728 1,907 2,097 2,300 2,515 2,744
4 1,041 1,082 1,126 1,170 1,216 1,262 1,311 1,360 1,412 1,464 1,518 1,574 1,630 1,689 1,749 1,811 1,874 1,939 2,005 2,074 2,364 2,684 3,036 3,421 3,842
5 1,051 1,104 1,159 1,217 1,276 1,338 1,403 1,469 1,539 1,611 1,685 1,762 1,842 1,925 2,011 2,100 2,192 2,288 2,386 2,488 2,932 3,436 4,007 4,653 5,378
6 1,062 1,126 1,194 1,265 1,340 1,419 1,501 1,587 1,677 1,772 1,870 1,974 2,082 2,195 2,313 2,436 2,565 2,700 2,840 2,986 3,635 4,398 5,290 6,328 7,530
7 1,072 1,149 1,230 1,316 1,407 1,504 1,606 1,714 1,828 1,949 2,076 2,211 2,353 2,502 2,660 2,826 3,001 3,185 3,379 3,583 4,508 5,629 6,983 8,605 10,541
8 1,083 1,172 1,267 1,369 1,477 1,594 1,718 1,851 1,993 2,144 2,305 2,476 2,658 2,853 3,059 3,278 3,511 3,759 4,021 4,300 5,590 7,206 9,217 11,703 14,758
9 1,094 1,195 1,305 1,423 1,551 1,689 1,838 1,999 2,172 2,358 2,558 2,773 3,004 3,252 3,518 3,803 4,108 4,435 4,785 5,160 6,931 9,223 12,166 15,917 20,661
10 1,105 1,219 1,344 1,480 1,629 1,791 1,967 2,159 2,367 2,594 2,839 3,106 3,395 3,707 4,046 4,411 4,807 5,234 5,695 6,192 8,594 11,806 16,060 21,647 28,925
11 1,116 1,243 1,384 1,539 1,710 1,898 2,105 2,332 2,580 2,853 3,152 3,479 3,836 4,226 4,652 5,117 5,624 6,176 6,777 7,430 10,657 15,112 21,199 29,439 40,496
12 1,127 1,268 1,426 1,601 1,796 2,012 2,252 2,518 2,813 3,138 3,498 3,896 4,335 4,818 5,350 5,936 6,580 7,288 8,064 8,916 13,215 19,343 27,983 40,037 56,694
13 1,138 1,294 1,469 1,665 1,886 2,133 2,410 2,720 3,066 3,452 3,883 4,363 4,898 5,492 6,153 6,886 7,699 8,599 9,596 10,699 16,386 24,759 36,937 54,451 79,371
14 1,149 1,319 1,513 1,732 1,980 2,261 2,579 2,937 3,342 3,797 4,310 4,887 5,535 6,261 7,076 7,988 9,007 10,147 11,420 12,839 20,319 31,691 48,757 74,053 111,120
15 1,161 1,346 1,558 1,801 2,079 2,397 2,759 3,172 3,642 4,177 4,785 5,474 6,254 7,138 8,137 9,266 10,539 11,974 13,590 15,407 25,196 40,565 64,359 100,713 155,568
16 1,173 1,373 1,605 1,873 2,183 2,540 2,952 3,426 3,970 4,595 5,311 6,130 7,067 8,137 9,358 10,748 12,330 14,129 16,172 18,488 31,243 51,923 84,954 136,969 217,795
17 1,184 1,400 1,653 1,948 2,292 2,693 3,159 3,700 4,328 5,054 5,895 6,866 7,986 9,276 10,761 12,468 14,426 16,672 19,244 22,186 38,741 66,461 112,139 186,278 304,913
18 1,196 1,428 1,702 2,026 2,407 2,854 3,380 3,996 4,717 5,560 6,544 7,690 9,024 10,575 12,375 14,463 16,879 19,673 22,901 26,623 48,039 85,071 148,024 253,338 426,879
19 1,208 1,457 1,754 2,107 2,527 3,026 3,617 4,316 5,142 6,116 7,263 8,613 10,197 12,056 14,232 16,777 19,748 23,214 27,252 31,948 59,568 108,890 195,391 344,540 597,630
20 1,220 1,486 1,806 2,191 2,653 3,207 3,870 4,661 5,604 6,727 8,062 9,646 11,523 13,743 16,367 19,461 23,106 27,393 32,429 38,338 73,864 139,380 257,916 468,574 836,683
24 1,270 1,608 2,033 2,563 3,225 4,049 5,072 6,341 7,911 9,850 12,239 15,179 18,788 23,212 28,625 35,236 43,297 53,109 65,032 79,497 174,631 374,144 783,023 1603,001 3214,200
25 1,282 1,641 2,094 2,666 3,386 4,292 5,427 6,848 8,623 10,835 13,585 17,000 21,231 26,462 32,919 40,874 50,658 62,669 77,388 95,396 216,542 478,905 1033,590 2180,081 4499,880
30 1,348 1,811 2,427 3,243 4,322 5,743 7,612 10,063 13,268 17,449 22,892 29,960 39,116 50,950 66,212 85,850 111,065 143,371 184,675 237,376 634,820 1645,505 4142,075 10143,019 24201,432
40 1,489 2,208 3,262 4,801 7,040 10,286 14,974 21,725 31,409 45,259 65,001 93,051 132,782 188,884 267,864 378,721 533,869 750,378 1051,668 1469,772 5455,913 19426,689 66520,767 219561,574 700037,697
50 1,645 2,692 4,384 7,107 11,467 18,420 29,457 46,902 74,358 117,391 184,565 289,002 450,736 700,233 1083,657 1670,704 2566,215 3927,357 5988,914 9100,438 46890,435 229349,862 1068308,196 4752754,903 20248916,240
60 1,817 3,281 5,892 10,520 18,679 32,988 57,946 101,257 176,031 304,482 524,057 897,597 1530,053 2595,919 4383,999 7370,201 12335,356 20555,140 34104,971 56347,514 402996,347 2707685,248 17156783,554 ########### ###########
Present Value Interest Factor (PVIF) (€1 at i% for n years); PVIF=1/(1+i )n ; PV0=FVn(PVIFi,n )
Period,
n 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20% 24% 28% 32% 36% 40%
0 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000
1 0,990 0,980 0,971 0,962 0,952 0,943 0,935 0,926 0,917 0,909 0,901 0,893 0,885 0,877 0,870 0,862 0,855 0,847 0,840 0,833 0,806 0,781 0,758 0,735 0,714
2 0,980 0,961 0,943 0,925 0,907 0,890 0,873 0,857 0,842 0,826 0,812 0,797 0,783 0,769 0,756 0,743 0,731 0,718 0,706 0,694 0,650 0,610 0,574 0,541 0,510
3 0,971 0,942 0,915 0,889 0,864 0,840 0,816 0,794 0,772 0,751 0,731 0,712 0,693 0,675 0,658 0,641 0,624 0,609 0,593 0,579 0,524 0,477 0,435 0,398 0,364
4 0,961 0,924 0,888 0,855 0,823 0,792 0,763 0,735 0,708 0,683 0,659 0,636 0,613 0,592 0,572 0,552 0,534 0,516 0,499 0,482 0,423 0,373 0,329 0,292 0,260
5 0,951 0,906 0,863 0,822 0,784 0,747 0,713 0,681 0,650 0,621 0,593 0,567 0,543 0,519 0,497 0,476 0,456 0,437 0,419 0,402 0,341 0,291 0,250 0,215 0,186
6 0,942 0,888 0,837 0,790 0,746 0,705 0,666 0,630 0,596 0,564 0,535 0,507 0,480 0,456 0,432 0,410 0,390 0,370 0,352 0,335 0,275 0,227 0,189 0,158 0,133
7 0,933 0,871 0,813 0,760 0,711 0,665 0,623 0,583 0,547 0,513 0,482 0,452 0,425 0,400 0,376 0,354 0,333 0,314 0,296 0,279 0,222 0,178 0,143 0,116 0,095
8 0,923 0,853 0,789 0,731 0,677 0,627 0,582 0,540 0,502 0,467 0,434 0,404 0,376 0,351 0,327 0,305 0,285 0,266 0,249 0,233 0,179 0,139 0,108 0,085 0,068
9 0,914 0,837 0,766 0,703 0,645 0,592 0,544 0,500 0,460 0,424 0,391 0,361 0,333 0,308 0,284 0,263 0,243 0,225 0,209 0,194 0,144 0,108 0,082 0,063 0,048
10 0,905 0,820 0,744 0,676 0,614 0,558 0,508 0,463 0,422 0,386 0,352 0,322 0,295 0,270 0,247 0,227 0,208 0,191 0,176 0,162 0,116 0,085 0,062 0,046 0,035
11 0,896 0,804 0,722 0,650 0,585 0,527 0,475 0,429 0,388 0,350 0,317 0,287 0,261 0,237 0,215 0,195 0,178 0,162 0,148 0,135 0,094 0,066 0,047 0,034 0,025
12 0,887 0,788 0,701 0,625 0,557 0,497 0,444 0,397 0,356 0,319 0,286 0,257 0,231 0,208 0,187 0,168 0,152 0,137 0,124 0,112 0,076 0,052 0,036 0,025 0,018
13 0,879 0,773 0,681 0,601 0,530 0,469 0,415 0,368 0,326 0,290 0,258 0,229 0,204 0,182 0,163 0,145 0,130 0,116 0,104 0,093 0,061 0,040 0,027 0,018 0,013
14 0,870 0,758 0,661 0,577 0,505 0,442 0,388 0,340 0,299 0,263 0,232 0,205 0,181 0,160 0,141 0,125 0,111 0,099 0,088 0,078 0,049 0,032 0,021 0,014 0,009
15 0,861 0,743 0,642 0,555 0,481 0,417 0,362 0,315 0,275 0,239 0,209 0,183 0,160 0,140 0,123 0,108 0,095 0,084 0,074 0,065 0,040 0,025 0,016 0,010 0,006
16 0,853 0,728 0,623 0,534 0,458 0,394 0,339 0,292 0,252 0,218 0,188 0,163 0,141 0,123 0,107 0,093 0,081 0,071 0,062 0,054 0,032 0,019 0,012 0,007 0,005
17 0,844 0,714 0,605 0,513 0,436 0,371 0,317 0,270 0,231 0,198 0,170 0,146 0,125 0,108 0,093 0,080 0,069 0,060 0,052 0,045 0,026 0,015 0,009 0,005 0,003
18 0,836 0,700 0,587 0,494 0,416 0,350 0,296 0,250 0,212 0,180 0,153 0,130 0,111 0,095 0,081 0,069 0,059 0,051 0,044 0,038 0,021 0,012 0,007 0,004 0,002
19 0,828 0,686 0,570 0,475 0,396 0,331 0,277 0,232 0,194 0,164 0,138 0,116 0,098 0,083 0,070 0,060 0,051 0,043 0,037 0,031 0,017 0,009 0,005 0,003 0,002
20 0,820 0,673 0,554 0,456 0,377 0,312 0,258 0,215 0,178 0,149 0,124 0,104 0,087 0,073 0,061 0,051 0,043 0,037 0,031 0,026 0,014 0,007 0,004 0,002 0,001
24 0,788 0,622 0,492 0,390 0,310 0,247 0,197 0,158 0,126 0,102 0,082 0,066 0,053 0,043 0,035 0,028 0,023 0,019 0,015 0,013 0,006 0,003 0,001 0,001 0,000
25 0,780 0,610 0,478 0,375 0,295 0,233 0,184 0,146 0,116 0,092 0,074 0,059 0,047 0,038 0,030 0,024 0,020 0,016 0,013 0,010 0,005 0,002 0,001 0,000 0,000
30 0,742 0,552 0,412 0,308 0,231 0,174 0,131 0,099 0,075 0,057 0,044 0,033 0,026 0,020 0,015 0,012 0,009 0,007 0,005 0,004 0,002 0,001 0,000 0,000 0,000
40 0,672 0,453 0,307 0,208 0,142 0,097 0,067 0,046 0,032 0,022 0,015 0,011 0,008 0,005 0,004 0,003 0,002 0,001 0,001 0,001 0,000 0,000 0,000 0,000 0,000
50 0,608 0,372 0,228 0,141 0,087 0,054 0,034 0,021 0,013 0,009 0,005 0,003 0,002 0,001 0,001 0,001 0,000 0,000 0,000 0,000 0,000 0,000 0,000 0,000 0,000
60 0,550 0,305 0,170 0,095 0,054 0,030 0,017 0,010 0,006 0,003 0,002 0,001 0,001 0,000 0,000 0,000 0,000 0,000 0,000 0,000 0,000 0,000 0,000 0,000 0,000
Future Value of an Annuity Interest Factor (FVIFA) (€1 at i% for n years); FVIFA=((1+i )n -1)/i ; FVANn=PMT(FVIFAi,n )
Period,
n 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20% 24% 28% 32% 36% 40%
1 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000
2 2,010 2,020 2,030 2,040 2,050 2,060 2,070 2,080 2,090 2,100 2,110 2,120 2,130 2,140 2,150 2,160 2,170 2,180 2,190 2,200 2,240 2,280 2,320 2,360 2,400
3 3,030 3,060 3,091 3,122 3,153 3,184 3,215 3,246 3,278 3,310 3,342 3,374 3,407 3,440 3,473 3,506 3,539 3,572 3,606 3,640 3,778 3,918 4,062 4,210 4,360
4 4,060 4,122 4,184 4,246 4,310 4,375 4,440 4,506 4,573 4,641 4,710 4,779 4,850 4,921 4,993 5,066 5,141 5,215 5,291 5,368 5,684 6,016 6,362 6,725 7,104
5 5,101 5,204 5,309 5,416 5,526 5,637 5,751 5,867 5,985 6,105 6,228 6,353 6,480 6,610 6,742 6,877 7,014 7,154 7,297 7,442 8,048 8,700 9,398 10,146 10,946
6 6,152 6,308 6,468 6,633 6,802 6,975 7,153 7,336 7,523 7,716 7,913 8,115 8,323 8,536 8,754 8,977 9,207 9,442 9,683 9,930 10,980 12,136 13,406 14,799 16,324
7 7,214 7,434 7,662 7,898 8,142 8,394 8,654 8,923 9,200 9,487 9,783 10,089 10,405 10,730 11,067 11,414 11,772 12,142 12,523 12,916 14,615 16,534 18,696 21,126 23,853
8 8,286 8,583 8,892 9,214 9,549 9,897 10,260 10,637 11,028 11,436 11,859 12,300 12,757 13,233 13,727 14,240 14,773 15,327 15,902 16,499 19,123 22,163 25,678 29,732 34,395
9 9,369 9,755 10,159 10,583 11,027 11,491 11,978 12,488 13,021 13,579 14,164 14,776 15,416 16,085 16,786 17,519 18,285 19,086 19,923 20,799 24,712 29,369 34,895 41,435 49,153
10 10,462 10,950 11,464 12,006 12,578 13,181 13,816 14,487 15,193 15,937 16,722 17,549 18,420 19,337 20,304 21,321 22,393 23,521 24,709 25,959 31,643 38,593 47,062 57,352 69,814
11 11,567 12,169 12,808 13,486 14,207 14,972 15,784 16,645 17,560 18,531 19,561 20,655 21,814 23,045 24,349 25,733 27,200 28,755 30,404 32,150 40,238 50,398 63,122 78,998 98,739
12 12,683 13,412 14,192 15,026 15,917 16,870 17,888 18,977 20,141 21,384 22,713 24,133 25,650 27,271 29,002 30,850 32,824 34,931 37,180 39,581 50,895 65,510 84,320 108,437 139,235
13 13,809 14,680 15,618 16,627 17,713 18,882 20,141 21,495 22,953 24,523 26,212 28,029 29,985 32,089 34,352 36,786 39,404 42,219 45,244 48,497 64,110 84,853 112,303 148,475 195,929
14 14,947 15,974 17,086 18,292 19,599 21,015 22,550 24,215 26,019 27,975 30,095 32,393 34,883 37,581 40,505 43,672 47,103 50,818 54,841 59,196 80,496 109,612 149,240 202,926 275,300
15 16,097 17,293 18,599 20,024 21,579 23,276 25,129 27,152 29,361 31,772 34,405 37,280 40,417 43,842 47,580 51,660 56,110 60,965 66,261 72,035 100,815 141,303 197,997 276,979 386,420
16 17,258 18,639 20,157 21,825 23,657 25,673 27,888 30,324 33,003 35,950 39,190 42,753 46,672 50,980 55,717 60,925 66,649 72,939 79,850 87,442 126,011 181,868 262,356 377,692 541,988
17 18,430 20,012 21,762 23,698 25,840 28,213 30,840 33,750 36,974 40,545 44,501 48,884 53,739 59,118 65,075 71,673 78,979 87,068 96,022 105,931 157,253 233,791 347,309 514,661 759,784
18 19,615 21,412 23,414 25,645 28,132 30,906 33,999 37,450 41,301 45,599 50,396 55,750 61,725 68,394 75,836 84,141 93,406 103,740 115,266 128,117 195,994 300,252 459,449 700,939 1064,697
19 20,811 22,841 25,117 27,671 30,539 33,760 37,379 41,446 46,018 51,159 56,939 63,440 70,749 78,969 88,212 98,603 110,285 123,414 138,166 154,740 244,033 385,323 607,472 954,277 1491,576
20 22,019 24,297 26,870 29,778 33,066 36,786 40,995 45,762 51,160 57,275 64,203 72,052 80,947 91,025 102,444 115,380 130,033 146,628 165,418 186,688 303,601 494,213 802,863 1298,817 2089,206
24 26,973 30,422 34,426 39,083 44,502 50,816 58,177 66,765 76,790 88,497 102,174 118,155 136,831 158,659 184,168 213,978 248,808 289,494 337,010 392,484 723,461 1332,659 2443,821 4450,003 8032,999
25 28,243 32,030 36,459 41,646 47,727 54,865 63,249 73,106 84,701 98,347 114,413 133,334 155,620 181,871 212,793 249,214 292,105 342,603 402,042 471,981 898,092 1706,803 3226,844 6053,004 11247,199
30 34,785 40,568 47,575 56,085 66,439 79,058 94,461 113,283 136,308 164,494 199,021 241,333 293,199 356,787 434,745 530,312 647,439 790,948 966,712 1181,882 2640,916 5873,231 12940,859 28172,276 60501,081
40 48,886 60,402 75,401 95,026 120,800 154,762 199,635 259,057 337,882 442,593 581,826 767,091 1013,704 1342,025 1779,090 2360,757 3134,522 4163,213 5529,829 7343,858 22728,803 69377,460 207874,272 609890,482 1750091,741
50 64,463 84,579 112,797 152,667 209,348 290,336 406,529 573,770 815,084 1163,909 1668,771 2400,018 3459,507 4994,521 7217,716 10435,649 15089,502 21813,094 31515,336 45497,191 195372,644 819103,077 3338459,988 13202094,174 50622288,099
60 81,670 114,052 163,053 237,991 353,584 533,128 813,520 1253,213 1944,792 3034,816 4755,066 7471,641 11761,950 18535,133 29219,992 46057,509 72555,038 114189,666 179494,584 281732,572 1679147,280 9670300,886 53614945,482 ########### ###########
Present Value of an Annuity Interest Factor (PVIFA) (€1 at i% for n years); PVIFA=(1-1/(1+i )n )/i ; PVAN0=PMT(PVIFAi,n )
Period,
n 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20% 24% 28% 32% 36% 40%
1 0,990 0,980 0,971 0,962 0,952 0,943 0,935 0,926 0,917 0,909 0,901 0,893 0,885 0,877 0,870 0,862 0,855 0,847 0,840 0,833 0,806 0,781 0,758 0,735 0,714
2 1,970 1,942 1,913 1,886 1,859 1,833 1,808 1,783 1,759 1,736 1,713 1,690 1,668 1,647 1,626 1,605 1,585 1,566 1,547 1,528 1,457 1,392 1,331 1,276 1,224
3 2,941 2,884 2,829 2,775 2,723 2,673 2,624 2,577 2,531 2,487 2,444 2,402 2,361 2,322 2,283 2,246 2,210 2,174 2,140 2,106 1,981 1,868 1,766 1,673 1,589
4 3,902 3,808 3,717 3,630 3,546 3,465 3,387 3,312 3,240 3,170 3,102 3,037 2,974 2,914 2,855 2,798 2,743 2,690 2,639 2,589 2,404 2,241 2,096 1,966 1,849
5 4,853 4,713 4,580 4,452 4,329 4,212 4,100 3,993 3,890 3,791 3,696 3,605 3,517 3,433 3,352 3,274 3,199 3,127 3,058 2,991 2,745 2,532 2,345 2,181 2,035
6 5,795 5,601 5,417 5,242 5,076 4,917 4,767 4,623 4,486 4,355 4,231 4,111 3,998 3,889 3,784 3,685 3,589 3,498 3,410 3,326 3,020 2,759 2,534 2,339 2,168
7 6,728 6,472 6,230 6,002 5,786 5,582 5,389 5,206 5,033 4,868 4,712 4,564 4,423 4,288 4,160 4,039 3,922 3,812 3,706 3,605 3,242 2,937 2,677 2,455 2,263
8 7,652 7,325 7,020 6,733 6,463 6,210 5,971 5,747 5,535 5,335 5,146 4,968 4,799 4,639 4,487 4,344 4,207 4,078 3,954 3,837 3,421 3,076 2,786 2,540 2,331
9 8,566 8,162 7,786 7,435 7,108 6,802 6,515 6,247 5,995 5,759 5,537 5,328 5,132 4,946 4,772 4,607 4,451 4,303 4,163 4,031 3,566 3,184 2,868 2,603 2,379
10 9,471 8,983 8,530 8,111 7,722 7,360 7,024 6,710 6,418 6,145 5,889 5,650 5,426 5,216 5,019 4,833 4,659 4,494 4,339 4,192 3,682 3,269 2,930 2,649 2,414
11 10,368 9,787 9,253 8,760 8,306 7,887 7,499 7,139 6,805 6,495 6,207 5,938 5,687 5,453 5,234 5,029 4,836 4,656 4,486 4,327 3,776 3,335 2,978 2,683 2,438
12 11,255 10,575 9,954 9,385 8,863 8,384 7,943 7,536 7,161 6,814 6,492 6,194 5,918 5,660 5,421 5,197 4,988 4,793 4,611 4,439 3,851 3,387 3,013 2,708 2,456
13 12,134 11,348 10,635 9,986 9,394 8,853 8,358 7,904 7,487 7,103 6,750 6,424 6,122 5,842 5,583 5,342 5,118 4,910 4,715 4,533 3,912 3,427 3,040 2,727 2,469
14 13,004 12,106 11,296 10,563 9,899 9,295 8,745 8,244 7,786 7,367 6,982 6,628 6,302 6,002 5,724 5,468 5,229 5,008 4,802 4,611 3,962 3,459 3,061 2,740 2,478
15 13,865 12,849 11,938 11,118 10,380 9,712 9,108 8,559 8,061 7,606 7,191 6,811 6,462 6,142 5,847 5,575 5,324 5,092 4,876 4,675 4,001 3,483 3,076 2,750 2,484
16 14,718 13,578 12,561 11,652 10,838 10,106 9,447 8,851 8,313 7,824 7,379 6,974 6,604 6,265 5,954 5,668 5,405 5,162 4,938 4,730 4,033 3,503 3,088 2,757 2,489
17 15,562 14,292 13,166 12,166 11,274 10,477 9,763 9,122 8,544 8,022 7,549 7,120 6,729 6,373 6,047 5,749 5,475 5,222 4,990 4,775 4,059 3,518 3,097 2,763 2,492
18 16,398 14,992 13,754 12,659 11,690 10,828 10,059 9,372 8,756 8,201 7,702 7,250 6,840 6,467 6,128 5,818 5,534 5,273 5,033 4,812 4,080 3,529 3,104 2,767 2,494
19 17,226 15,678 14,324 13,134 12,085 11,158 10,336 9,604 8,950 8,365 7,839 7,366 6,938 6,550 6,198 5,877 5,584 5,316 5,070 4,843 4,097 3,539 3,109 2,770 2,496
20 18,046 16,351 14,877 13,590 12,462 11,470 10,594 9,818 9,129 8,514 7,963 7,469 7,025 6,623 6,259 5,929 5,628 5,353 5,101 4,870 4,110 3,546 3,113 2,772 2,497
24 21,243 18,914 16,936 15,247 13,799 12,550 11,469 10,529 9,707 8,985 8,348 7,784 7,283 6,835 6,434 6,073 5,746 5,451 5,182 4,937 4,143 3,562 3,121 2,776 2,499
25 22,023 19,523 17,413 15,622 14,094 12,783 11,654 10,675 9,823 9,077 8,422 7,843 7,330 6,873 6,464 6,097 5,766 5,467 5,195 4,948 4,147 3,564 3,122 2,777 2,499
30 25,808 22,396 19,600 17,292 15,372 13,765 12,409 11,258 10,274 9,427 8,694 8,055 7,496 7,003 6,566 6,177 5,829 5,517 5,235 4,979 4,160 3,569 3,124 2,778 2,500
40 32,835 27,355 23,115 19,793 17,159 15,046 13,332 11,925 10,757 9,779 8,951 8,244 7,634 7,105 6,642 6,233 5,871 5,548 5,258 4,997 4,166 3,571 3,125 2,778 2,500
50 39,196 31,424 25,730 21,482 18,256 15,762 13,801 12,233 10,962 9,915 9,042 8,304 7,675 7,133 6,661 6,246 5,880 5,554 5,262 4,999 4,167 3,571 3,125 2,778 2,500
60 44,955 34,761 27,676 22,623 18,929 16,161 14,039 12,377 11,048 9,967 9,074 8,324 7,687 7,140 6,665 6,249 5,882 5,555 5,263 5,000 4,167 3,571 3,125 2,778 2,500
Standard Normal Probabilities
Table entry
Table entry for z is the area under the standard normal curve
to the left of z.
z
z .00 .01 .02 .03 .04 .05 .06 .07 .08 .09
–3.4 .0003 .0003 .0003 .0003 .0003 .0003 .0003 .0003 .0003 .0002
–3.3 .0005 .0005 .0005 .0004 .0004 .0004 .0004 .0004 .0004 .0003
–3.2 .0007 .0007 .0006 .0006 .0006 .0006 .0006 .0005 .0005 .0005
–3.1 .0010 .0009 .0009 .0009 .0008 .0008 .0008 .0008 .0007 .0007
–3.0 .0013 .0013 .0013 .0012 .0012 .0011 .0011 .0011 .0010 .0010
–2.9 .0019 .0018 .0018 .0017 .0016 .0016 .0015 .0015 .0014 .0014
–2.8 .0026 .0025 .0024 .0023 .0023 .0022 .0021 .0021 .0020 .0019
–2.7 .0035 .0034 .0033 .0032 .0031 .0030 .0029 .0028 .0027 .0026
–2.6 .0047 .0045 .0044 .0043 .0041 .0040 .0039 .0038 .0037 .0036
–2.5 .0062 .0060 .0059 .0057 .0055 .0054 .0052 .0051 .0049 .0048
–2.4 .0082 .0080 .0078 .0075 .0073 .0071 .0069 .0068 .0066 .0064
–2.3 .0107 .0104 .0102 .0099 .0096 .0094 .0091 .0089 .0087 .0084
–2.2 .0139 .0136 .0132 .0129 .0125 .0122 .0119 .0116 .0113 .0110
–2.1 .0179 .0174 .0170 .0166 .0162 .0158 .0154 .0150 .0146 .0143
–2.0 .0228 .0222 .0217 .0212 .0207 .0202 .0197 .0192 .0188 .0183
–1.9 .0287 .0281 .0274 .0268 .0262 .0256 .0250 .0244 .0239 .0233
–1.8 .0359 .0351 .0344 .0336 .0329 .0322 .0314 .0307 .0301 .0294
–1.7 .0446 .0436 .0427 .0418 .0409 .0401 .0392 .0384 .0375 .0367
–1.6 .0548 .0537 .0526 .0516 .0505 .0495 .0485 .0475 .0465 .0455
–1.5 .0668 .0655 .0643 .0630 .0618 .0606 .0594 .0582 .0571 .0559
–1.4 .0808 .0793 .0778 .0764 .0749 .0735 .0721 .0708 .0694 .0681
–1.3 .0968 .0951 .0934 .0918 .0901 .0885 .0869 .0853 .0838 .0823
–1.2 .1151 .1131 .1112 .1093 .1075 .1056 .1038 .1020 .1003 .0985
–1.1 .1357 .1335 .1314 .1292 .1271 .1251 .1230 .1210 .1190 .1170
–1.0 .1587 .1562 .1539 .1515 .1492 .1469 .1446 .1423 .1401 .1379
–0.9 .1841 .1814 .1788 .1762 .1736 .1711 .1685 .1660 .1635 .1611
–0.8 .2119 .2090 .2061 .2033 .2005 .1977 .1949 .1922 .1894 .1867
–0.7 .2420 .2389 .2358 .2327 .2296 .2266 .2236 .2206 .2177 .2148
–0.6 .2743 .2709 .2676 .2643 .2611 .2578 .2546 .2514 .2483 .2451
–0.5 .3085 .3050 .3015 .2981 .2946 .2912 .2877 .2843 .2810 .2776
–0.4 .3446 .3409 .3372 .3336 .3300 .3264 .3228 .3192 .3156 .3121
–0.3 .3821 .3783 .3745 .3707 .3669 .3632 .3594 .3557 .3520 .3483
–0.2 .4207 .4168 .4129 .4090 .4052 .4013 .3974 .3936 .3897 .3859
–0.1 .4602 .4562 .4522 .4483 .4443 .4404 .4364 .4325 .4286 .4247
–0.0 .5000 .4960 .4920 .4880 .4840 .4801 .4761 .4721 .4681 .4641
Standard Normal Probabilities
Table entry
Table entry for z is the area under the standard normal curve
to the left of z.
z
z .00 .01 .02 .03 .04 .05 .06 .07 .08 .09
0.0 .5000 .5040 .5080 .5120 .5160 .5199 .5239 .5279 .5319 .5359
0.1 .5398 .5438 .5478 .5517 .5557 .5596 .5636 .5675 .5714 .5753
0.2 .5793 .5832 .5871 .5910 .5948 .5987 .6026 .6064 .6103 .6141
0.3 .6179 .6217 .6255 .6293 .6331 .6368 .6406 .6443 .6480 .6517
0.4 .6554 .6591 .6628 .6664 .6700 .6736 .6772 .6808 .6844 .6879
0.5 .6915 .6950 .6985 .7019 .7054 .7088 .7123 .7157 .7190 .7224
0.6 .7257 .7291 .7324 .7357 .7389 .7422 .7454 .7486 .7517 .7549
0.7 .7580 .7611 .7642 .7673 .7704 .7734 .7764 .7794 .7823 .7852
0.8 .7881 .7910 .7939 .7967 .7995 .8023 .8051 .8078 .8106 .8133
0.9 .8159 .8186 .8212 .8238 .8264 .8289 .8315 .8340 .8365 .8389
1.0 .8413 .8438 .8461 .8485 .8508 .8531 .8554 .8577 .8599 .8621
1.1 .8643 .8665 .8686 .8708 .8729 .8749 .8770 .8790 .8810 .8830
1.2 .8849 .8869 .8888 .8907 .8925 .8944 .8962 .8980 .8997 .9015
1.3 .9032 .9049 .9066 .9082 .9099 .9115 .9131 .9147 .9162 .9177
1.4 .9192 .9207 .9222 .9236 .9251 .9265 .9279 .9292 .9306 .9319
1.5 .9332 .9345 .9357 .9370 .9382 .9394 .9406 .9418 .9429 .9441
1.6 .9452 .9463 .9474 .9484 .9495 .9505 .9515 .9525 .9535 .9545
1.7 .9554 .9564 .9573 .9582 .9591 .9599 .9608 .9616 .9625 .9633
1.8 .9641 .9649 .9656 .9664 .9671 .9678 .9686 .9693 .9699 .9706
1.9 .9713 .9719 .9726 .9732 .9738 .9744 .9750 .9756 .9761 .9767
2.0 .9772 .9778 .9783 .9788 .9793 .9798 .9803 .9808 .9812 .9817
2.1 .9821 .9826 .9830 .9834 .9838 .9842 .9846 .9850 .9854 .9857
2.2 .9861 .9864 .9868 .9871 .9875 .9878 .9881 .9884 .9887 .9890
2.3 .9893 .9896 .9898 .9901 .9904 .9906 .9909 .9911 .9913 .9916
2.4 .9918 .9920 .9922 .9925 .9927 .9929 .9931 .9932 .9934 .9936
2.5 .9938 .9940 .9941 .9943 .9945 .9946 .9948 .9949 .9951 .9952
2.6 .9953 .9955 .9956 .9957 .9959 .9960 .9961 .9962 .9963 .9964
2.7 .9965 .9966 .9967 .9968 .9969 .9970 .9971 .9972 .9973 .9974
2.8 .9974 .9975 .9976 .9977 .9977 .9978 .9979 .9979 .9980 .9981
2.9 .9981 .9982 .9982 .9983 .9984 .9984 .9985 .9985 .9986 .9986
3.0 .9987 .9987 .9987 .9988 .9988 .9989 .9989 .9989 .9990 .9990
3.1 .9990 .9991 .9991 .9991 .9992 .9992 .9992 .9992 .9993 .9993
3.2 .9993 .9993 .9994 .9994 .9994 .9994 .9994 .9995 .9995 .9995
3.3 .9995 .9995 .9995 .9996 .9996 .9996 .9996 .9996 .9996 .9997
3.4 .9997 .9997 .9997 .9997 .9997 .9997 .9997 .9997 .9997 .9998