730 Compoun d Interest Factor Tables

1% TABLE 4 Discrete Cash Flow: Compound Interest Factors 1%

Single Payments Uniform Seri es Payme nts Arithmetic Gradients
Compound Present Sinking Compound Capital Present Gradient Gradient
Amount Worth Fund Amount Recovery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/ P PIA PI G A/ G
I 1.0100 0 .990 1 1.00000 1.0000 1.01000 0.9901
2 1.0201 0.9803 0.4975 1 2.0100 0.50751 1.9704 0.9803 0.4975
3 1.0303 0 .9706 0.33002 3.0301 0.34002 2.94 10 2.92 15 0.9934
4 1.0406 0.96 10 0.24628 4.0604 0.25628 3.9020 5.8044 1.4876
5 1.0510 0.95 15 0.19604 5. 10 10 0.20604 4.8534 9.6103 1.980 1
6 1.061 5 0.9420 0.16255 6. 1520 0.17255 5.7955 14.3205 2.47 10
7 1.072 1 0.9327 0.13863 7.2 135 0. 14863 6.7282 19.9 168 2.9602
8 1.0829 0.9235 0.12069 8.2857 0.13069 7.65 17 26.38 12 3.4478
9 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 4 1.8435 4.4 179
II 1.1157 0.8963 0.08645 11.5668 0.09645 10.3676 50.8067 4.9005
12 1.1 268 0.8874 0.07885 12.6825 0.08885 11.255 1 60.5687 5.38 15
13 1.1 38 1 0.8787 0.0724 1 13.8093 0.08241 12. 1337 71.11 26 5.8607
14 1.1495 0.8700 0.06690 14.9474 0.07690 13.0037 82.422 1 6.3384
15 1.1 6 10 0.86 13 0.062 12 16.0969 0.072 12 13.865 1 94.48 10 6.8 143
16 1.1 726 0.8528 0.05794 17.2579 0.06794 14.7 179 107.2734 7.2886
17 1.1 843 0. 8444 0.05426 18.4304 0.06426 15.5623 120.7834 7.76 13
18 1. 1961 0.8360 0.05098 19 .6 147 0.06098 16.3983 134.9957 8.2323
19 1.208 1 0.8277 0.04805 20.8 109 0.05805 17.2260 149.8950 8.70 17
20 1.2202 0.8 195 0.04542 22.0 190 0.05542 18.0456 165.4664 9. 1694
21 1.2324 0.8 114 0.04303 23.2392 0.05303 18.8570 18l.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 25.7 163 0.04889 20.4558 216.0660 10.5626
24 1.2697 0.7876 0.03707 26.9735 0.04707 2 1.2434 234. 1800 11 .0237
25 1.2824 0.7798 0.0354 1 28.2432 0.04541 22.0232 252.8945 11 .483 1
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 12.397 1
28 1.32 13 0.7568 0.031 12 32. 129 1 0.04 11 2 24.3 164 3 12.5047 12.85 16
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 355.002 1 13.7557
36 1.4308 0.6989 0.0232 1 43.0769 0.0332 1 30. 1075 494.6207 16.4285
40 1.4889 0.6717 0.02046 48.8864 0.03046 32 .8347 596.8561 18. 1776
48 1.61 2Z 0.6203 0.01633 6 1.2226 r-~029~ 37.9740 820.1460 2 1. 5976
50 1.6446 0.6080 0.01551 64.4632 u.UL)YI\ 39. 196 1 879.4 176 22.4363
52 1.6777 0. 596 1 0.0 1476 67. 7689 0.02476 40.3942 939.9175 23.2686
55 1. 7285 0.5785 0.0 1373 72. 8525 0.02373 42. 1472 1032.8 1 24.5049
60 1. 8 167 0.5504 0.0 1224 81.6697 0.02224 44.9550 11 92.81 26.5333
72 2.047 1 0.4885 0.00955 104.7099 0.01955 5 1.1 504 1597.87 3 1.2386
75 2. 1091 0.4741 0.00902 110.9 128 0.0 1902 52.587 1 1702.73 32.3793
84 2.3067 0.4335 0.00765 130.6723 0.01765 56.6485 2023.32 35.7 170
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 6 1.5277 2459.43 39.9727
100 2.7048 0.3697 0.00587 170.48 14 0.01587 63.0289 2605.78 41.3426
108 2.9289 0.34 14 0.005 18 192.8926 0.0 15 18 65.8578 2898.42 440103
120 3.3004 0. 3030 0.00435 230.0387 0.0 1435 69.7005 3334. 11 47.8349
132 3.7 190 0.2689 0.00368 27 1.8959 0.0 1368 73. 1108 3761.69 5 1.4520
144 4. 1906 0.2386 0.003 13 3 19.06 16 0.013 13 76. 1372 4177.47 54.8676
240 10.8926 0.09 18 0.00 10 1 989.2554 0.01101 90.8 194 6878.60 75.7393
360 35.9496 0.0278 0.00029 3494.96 0.0 1029 97.2 183 8720.43 89.6995
480 118.6477 0.0084 0.00008 11 765 0.0 1008 99. 1572 95 11.16 95 .9200
 Compound Interest Factor Tables 731

1.25% TABLE 5 Discrete Cash Flow: Compound Interest Factors 1.25%

Singl e Payment s Unifo rm Series Payments Arithmetic Gradients
Compound Present Sinking Compound Ca pital Present Grad ie nt Gra d ient
Amount Wo rt h Fund Amount Recovery Worth Present Wo rth Uniform Series
n F/ P P/ F A/ F F/ A A/ P PI A PI G A/ G
I 1.0 125 0.9877 1.00000 1.0000 1.01 250 0.9877
2 1.0252 0.9755 0.49680 2.0 125 0.50939 1.963 1 0.9755 0.4969
3 1.0380 0.9634 0.32920 3.0377 0.34170 2.9265 2.9023 0.9917
4 1.0509 0.95 15 0.24536 4.0756 0.25786 3.878 1 5.7569 1.4845
5 1.064 1 0.9398 0.19506 5. 1266 0.20756 4.8 178 9.5 160 1.9752
6 1.0774 0.9282 0. 16 153 6.1907 0.17403 5.7460 14.1569 2.4638
7 1.0909 0.9 167 0.13759 7.2680 0.15009 6.6627 / 9.6571 2.9503
8 1. 1045 0.9054 0. 11 963 8.3589 0. 132 13 7.5681 25.9949 3.4348
9 1. 11 83 0.8942 0. 10567 9.4634 0. 118 17 8.4623 33. 1487 3.9 172
10 1.1323 0.8832 0.09450 10.58 17 0. 10700 9.3455 4 1.0973 4.3975
II 1.1464 0.8723 0.08537 11.7 139 0.09787 10.2 178 49.8201 4.8758
12 I 1608 0.86 15 0.07776 12.8604 0.09026 11 .0793 59.2967 5.3520
13 1. 1753 0. 8509 0.07 132 14.02 11 0.08382 11 .9302 69. 5072 5.8262
14 1. 1900 0.8404 0.0658 1 15. 1964 0.0783 1 12.7706 80.4320 6.2982
15 1.2048 0.8300 0.06 103 16. 3863 0.07353 13.6005 92.051 9 6.7682
16 1.2 199 0.8 197 0.05685 17.59 12 0.06935 14.4203 104.348 1 7.2362
17 1.235 1 0.8096 0.053 16 18.8 111 0.06566 15.2299 117.302 1 7.702 1
18 1.2506 0.7996 0.04988 20.0462 0.06238 160295 130.8958 8. 1659
19 1.2662 0.7898 0.04696 2 1.2968 0.05946 16.8 193 145. 111 5 8.6277
20 1.2820 0.7800 0.04432 22.5630 0.05682 17.5993 159.93 16 9.0874
21 1.298 1 0.7704 0.04194 23.8450 0.05444 18.3697 175.3392 9.5450
22 1.3 143 0.7609 0.03977 25. 143 1 0.05227 19. 1306 19 1.3 174 10.0006
23 1.3307 0.75 15 0.03780 26.4574 0.05030 19.8820 207.8499 10.4542
24 1.3474 0.7422 0.03599 27.788 1 0.04849 20.6242 224.9204 10.9056
25 1.3642 0.7330 0.03432 29. 1354 0.04682 2 1. 3573 242.5132 11.355 1
26 1.38 12 0.7240 0.03279 30.4996 0.04529 22.08 13 260.6128 11.8024
27 1.3985 0.7150 0.03 137 3 1.8809 0.04387 22.7963 279.2040 12.2478
28 1.4160 0.7062 0.03005 33.2794 0.04255 23 .5025 298.27 19 12.69 11
29 1.4337 0.6975 0.02882 34.6954 0.04 132 24.2000 3 17.80 19 13. 1323
30 1.45 16 0.6889 0.02768 36. 129 1 0.0401 8 ~4.Jl889 337.7797 13.57 15
36 1.5639 0.6394 0.022 17 45. 1155 0.03467 28.8473 466.2830 16. 1639
40 1.6436 0.6084 0.0 1942 5 1.4896 0.03 192 3 1.3269 559.2320 17.85 15
48 1.8 154 0.5509 0.01533 65.2284 0.02783 35.93 15 759.2296 2 1. 1299
50 1.86 10 0.5373 0.0 1452 68.8818 0.02702 37.0129 8 11 .6738 21.9295
52 1.9078 0.5242 0.0 1377 72.6271 0.02627 38.0677 864.9409 22.72 11
55 1.9803 0.5050 0.0 1275 78.42<5 0.02525 39.60 17 946.2277 23.8936
60 2. 1072 0.4746 0.0 11 29 88.5745 0.02379 42.0346 . 1084.84 25.8083
72 2.4459 0.4088 0.00865 11 5.6736 0.02 11 5 47.2925 1428.46 30.2047
75 2.5388 0.3939 0.008 12 123. 1035 0.02062 48.4890 15 15.79 3 1.2605
84 2.839 1 0.3522 0.00680 147. 1290 0.0 1930 5 1.8222 177 8.84 34.3258
90 3.0588 0.3269 000607 164.7050 0.0 1857 53.846 1 1953 .83 36.2855
96 3.2955 0.3034 0.00545 183.64 11 0.0 1795 55.7246 2127.52 38. 1793
100 3.4634 0.2887 0.00507 197.0723 0.0 1757 56.90 13 2242.24 39.4058
108 3.8253 0.26 14 0.00442 226.0226 00 1692 59.0865 2468.26 4 1. 7737
120 4.4402 0.2252 0.00363 275.2 17 1 0.0 1613 6 1.9828 2796.57 45. 11 84
132 5. 1540 0. 1940 0.0030 1 332.3 198 0.0 155 1 64.478 1 3 109.35 48.223..1
144 5.9825 0. 1672 0.0025 1 398.602 1 0.01501 66.6277 3404.6 1 5 1.0990
240 19.7 155 0.0507 0.00067 1497.24 0.01 3 17 75.9423 510153 67.1764
360 87.54 10 0.01 14 0.000 14 6923.28 0.01 264 79.086 1 5997.90 75.840 1
480 388.7007 0.0026 0.00003 3 101 6 0.01253 79.7942 6284.74 78.76 19
732 Compound Interest Factor Tables

1.5% TABLE 6 Discrete Cash Flow: Compound Interest Factors 1.5%

Singl e Paym e nts Unifo rm Series Pa yments Arithmetic Gradie nts
Compound Prese nt Sinking Compound Ca pital Pre sent Grad ient Gra dient
Amount Worth Fund Amo unt Recovery Worth Present Worth Uniform Se ries
n FI P PI F AI F FI A Al P PI A PI G A/ G
I 1.0 150 0.9852 1.00000 1.0000 1.0 1500 0.9852
2 1.0302 0.9707 0.49628 2.0 150 0.5 11 28 1.9559 0.9707 0.4963
3 1.0457 0.9563 0.32838 3.0452 0.34338 2.9 122 2.8833 0.990 1
4 1.06 14 0.9422 0.24444 4.0909 0.25944 3.8544 5.7098 1.48 14
5 1.0773 0.9283 0. 19409 5.1523 0.20909 4.7826 9.4229 1. 9702
6 1.0934 0.9 145 0.16053 6. 2296 0. 17553 5.6972 13.9956 2.4566
7 1.1 098 0.90 10 0.13656 7.3230 0. 15156 6.5982 19.40 18 2.9405
8 1.1 265 0.8877 0. 11 858 8.4328 0.13358 7.4859 25.6 157 3.42 19
9 1.1 434 0.8746 0. 1046 1 9.5593 0. 1l 961 8.3605 32.61 25 3.9008
10 1. 1605 0. 86 17 0.09343 10.7027 0. 10843 9.2222 40.3675 4. 3772
II 1.1 779 0. 8489 0.08429 11 .8633 0.09929 10.07 11 48.8568 4.85 12
12 I 1956 0.8364 0.07668 13.04 12 0.09168 10.9075 58.057 1 5.3227
13 1.2 136 0.8240 0.07024 14. 2368 0.08524 11 .73 15 67.9454 5.79 17
14 1. 23 18 0.8 118 0.06472 15.4504 0.07972 12.5434 78.4994 6.2582
15 1. 2502 0.7999 0.05994 16.682 1 0.07494 13.3432 89.6974 6.7223
16 1.2690 0.7880 0.05577 17.9324 0.07077 14. 1313 101.5 178 7. 1839
17 1.2880 0.7764 0.05208 19.20 14 0.06708 14.9076 113.9400 7.643 1
18 1.3073 0.7649 0.0488 1 20.4894 0.0638 1 15.6726 126.9435 8.0997
19 1.327,0 0.7536 0.04588 2 1.7967 0.06088 16.4262 140.5084 8.5539
20 1.3469 0.7425 0.04325 23. 1237 0.05825 17. 1686 154.6 154 9.0057
21 1.367 1 0.73 15 0.04087 24.4705 0.0558 7 17.900 1 169.2453 9.4550
22 1.3876 0.7207 0.03 870 25.8376 0.053 70 18.6208 184.3798 9.90 18
23 1.4084 0.7 100 0.03673 27.225 1 0.05 173 19.3309 200.0006 10. 3462
24 1.4295 0.6995 0.03492 28.6335 0.04992 20.0304 2 16.090 1 10.788 1
25 1.4509 0.6892 0.03326 30.0630 0.04826 20.7 196 232.63 10 11.2276
26 1.4727 0.6790 0.03 173 3 1.5 140 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 1.5 172 0.659 1 0.02900 34.48 15 0.04400 22.7267 284.7958 12.53 13
29 1.5400 0.6494 0.02778 35.9987 0.04278 23 .376 1 302.9779 12.9610
30 1.563 1 0.6398 0.02664 37.5 387 0.04 164 24.0 158 32 l.53 10 13.3883
36 1.709 1 0.585 1 0.02 115 47.2760 0.03615 27.6607 439.8303 15.9009
40 1.8 140 0.55 13 0.0 1843 54.2679 0.03343 29.9 158 524.3568 17. 5277
48 2.0435 0.4894 0.0 1437 69.5652 0.02937 34.0426 703 .5462 20.6667
50 2. 1052 0.4750 0.01 357 73.6828 0.02857 34.9997 749.9636 2 1.4277
52 2. 1689 0.46 11 0.0 1283 77.9249 0.02783 35.9287 796.8774 22. 1794
55 2.2679 0.4409 0.0 11 83 84.5296 0.02683 37.27 15 868.0285 23.2894
60 2.4432 0.4093 0.0 1039 96.2 147 0.02539 39.3803 988.1674 25.0930
72 2.92 12 0.3423 0.0078 1 128 .0772 0.0228 1 43. 8447 1279.79 29. 1893
75 3.0546 0.3274 0.00730 136.9728 0.02230 44.841 6 135 2.56 30. 163 1
84 3.4926 0.2863 0.00602 166. 1726 0.02 102 47 .5786 1568.5 1 32.9668
90 3.8 189 0.26 19 0.00532 187.9299 0.02032 49.2099 1709.54 34.7399
96 4. 1758 0.2395 0.00472 2 11.7202 0.0 1972 50.70 17 1847.'17 36.438 1
100 4.4320 0. 2256 0.00437 228. 8030 0.0 1937 5 1.6247 1937.45 37.5295
108 4.9927 0.2003 0.00376 266. 1778 0.0 1876 53.3 137 2 11 2. 13 39.6 171
120 5.9693 0. 1675 0.00302 33 1.2882 0.0 1802 55.4985 2359 .7 1 42.5 185
132 7. 1370 0. 1401 0.00244 409. 1354 0.0 1744 57. 3257 2588.7 1 45. 1579
144 8.5332 0. 11 72 0.001 99 502.2 109 0.0 1699 58.8540 2798.58 47 .55 12
240 35.6328 0.D28 1 0.00043 2308.85 0.0 1543 64.7957 3870.69 59 .7368
360 212.7038 0.0047 0.00007 14 114 0.0 1507 66. 3532 43 10.72 64 .9662
480 1269.70 0.0008 0.0000 1 84580 0.0 150 1 66.6 142 4415.74 66.2883
 Compo und Interest Factor Tables 733

2% TABLE 7 Discrete Cash Flow: Compound Interest Factors 2%

Single Payme nts Unifor m Se ries Payment s Arithm e t ic Gradi e nts
Compound Present Si nki ng Com poun d Ca pit a l Present Grad ient Gradi e nt
Amo unt Worth Fund Amount Recove ry Worth Present Worth Uniform Se ri es
n Fj P Pj F AI F FIA Aj P PIA PIG AIG
I 1.0200 0.9804 1.00000 1.0000 1.02000 0.9804
2 1.0404 0.96 12 0.49505 2.0200 0.51505 1.94 16 0.96 12 0.4950
3 1.06 12 0.9423 0.32675 3 0604 0.34675 2.8839 2.8458 0.9868
4 1.0824 0.9238 0.24262 4 .1 2 16 0.26262 3.8077 5.61 73 1.4752
5 1.1041 0.9057 0. 192 16 5.2040 0.2 12 16 4.7 135 9.2403 1. 9604
6 1.1 262 0. 8880 0.15853 6.308 1 0.1 7853 5.60 14 13.680 1 2.4423
7 1.1 487 0.8706 0. 1345 1 7.4343 0. 1545 1 6.4720 18.9035 2.9208
8 1. 17 17 0. 8535 0. 1l65 I 8.5830 0.1365 1 7.3255 24.8779 3.396 1
9 1. 195 1 0. 8368 0. 10252 9.7546 0.1 2252 8. 1622 3 1.5720 3.868 1
10 1.2 190 0.8203 0.09 133 10.9497 0. 11 133 8.9826 38.955 1 4.3367
II 1.2434 0. 8043 0.082 18 12. 1687 0. 102 18 9.7 868 46.9977 4.802 1
12 1.2682 0.7885 0.07456 13.4 12 1 0.09456 10.5753 55.67l 2 5.2642
13 1. 2936 0. 7730 0.068 12 14.6803 0.088 12 11.3484 64.9475 5.723 1
14 1. 3 195 0.7579 0.06260 15.9739 0.08260 12.1062 74.7999 6. 1786
IS 1.3459 0.7430 0.05783 17.2934 0.07783 12.8493 85.202 1 6.6309
16 1.3728 0.7284 0.05365 18.6393 0.07365 13.5777 96. 1288 7.0799
17 1.4002 0. 7 142 0.04997 20.0 12 1 0.06997 14.29 19 107.5554 7.5256
18 1.4282 0.7002 0.04670 2 1.41 23 0.06670 14.9920 119.458 1 7.968 1
19 1.4568 0.6864 0.04378 22 .8406 0.06378 15.6785 13 1.8 139 8.4073
20 1.4859 0.6730 0.04 116 24.2974 0.06 116 16.35 14 . 144.6003 8.8433
21 1.5 157 0.6598 0.03878 25.7833 0.05878 17.0 11 2 157.7959 9.2760
22 1. 5460 0.6468 0.03663 27.2990 0.05663 17.6580 17 J .3795 9.7055
23 1.5769 0.6342 0.03467 28.8450 0.05467 18.2922 185.3309 10.13 17
24 1.6084 0.62 17 0.03287 30.42 19 0.05287 18.9 139 199.6305 10.5547
25 1.6406 0.6095 0.03 122 32.0303 0.05 122 19.5235 2 14.2592 10.9745
26 1.6734 0.5976 0.02970 33.6709 0.04970 20. 12 10 229.J987 11.39 10
27 1.7069 0.5859 0.02829 35.3443 0.04829 20.7069 244.43 11 11.8043
28 1.74 10 0.5744 0.02699 37 05 12 0.04699 21.28 13 259.9392 12.2 145
29 1.7758 0.563 1 0.02578 38.7922 0.04578 21. 8444 275.7064 12.62 14
30 1.8 11 4 0.552 1 0.02465 40.568 1 0.04465 22.3965 29 1.7 164 13.025 I
36 2.0399 0.4902 0.0 1923 5 1.9944 0.03923 25 .4888 392.0405 15.3809
40 2.2080 0.4529 0.01 656 60.4020 0.03656 27.3555 46 1. 993 1 16.8885
48 2.587 1 0. 3865 0.0 1260 79. 3535 0.03260 30.673 1 605.9657 19.7556
50 2.69 16 0. 37 15 0.0 11 82 84.5794 0.03 182 3 1.4236 642.3606 20.4420
52 2.8003 0.357 1 0.0 11 11 900 164 0.03 11 1 32. 1449 678.7849 2 1.11 64
55 2.97 17 0. 3365 0.0 10 14 98.5 865 0.030 14 33. 1748 733.3527 22. 1057
60 3.28 10 0. 3048 0.00877 11 4.05 15 0.02877 34.7609 823 .6975 23.696 1
72 4. 16 11 0.2403 0.00633 158.0570 0.02633 37.984 1 1034.06 27.2234
75 4.4 158 0 2265 0.00586 170.79 18 0.02586 38.677 1 1084.64 28 0434
84 5.2773 0. 1895 0.00468 2 13.8666 0.02468 40.5255 1230.42 30.36 16
90 5.943 1 0. 1683 0.00405 247. 1567 0.02405 4 1. 5869 1322. 17 3 1. 7929
96 6.6929 0. 1494 0.0035 1 284.6467 0.0235 1 42.5294 1409.30 33. 1370
100 7.2446 0. 1380 0.00320 3 12.2323 0.02320 43.0984 1464.75 33.9863
108 8.4883 0.1178 0.00267 374.4 129 0.02267 44.1095 1569.30 35.577-1
120 10.7652 0.0929 0.00205 488.2582 0.02205 45 .3554 17 JO.42 37.7 114
132 13.6528 0.0732 0.00 158 632.64 15 0.02158 46. 3378 1833.47 39.5676
144 17.3 15 1 0.0578 0.00 123 8 15.7545 0.02 J 23 47. 11 23 1939.79 4 1.1 738
240 115.8887 0.0086 0.000 17 5744.44 0.02017 49.5686 2374.88 47.9 11 0
360 1247.56 0.0008 0.00002 62328 0.02002 49 .9599 2482.57 49.7 11 2
480 13430 0.0001 0.02000 49.9963 2498.03 49.9643
734 Compou nd Interest Factor Tables

3% 0
TABLE 8 Discrete Cash Flow: Compound Interest Factors 3%
Single Payments Un iform Series Payments Arithme tic Gradients

Co mpound Present Sin kin g Compo und Capital Present Grad ient Gradie nt
Amount Worth Fu nd Amount Recovery Wo rth Present Worth Uniform Series
n FI P PI F AI F FI A Al P PI A PI G AI G
I 1.0300 0.9709 1.00000 1.0000 1.03000 0.9709
2 1.0609 0.9426 0.4926 1 2.0300 0.52261 1.9 135 0.9426 0.4926
3 1.0927 0.9 15 1 0. 32353 3.0909 0.35353 2.8286 2.7729 0.9803
4 1.1 255 0.8885 0.23903 4. 1836 0.26903 3.7 17 1 5.4383 1.463 1
5 I 1593 0.8626 0. 18835 5.309 1 0.21835 4.5797 8.8888 1.9409
6 1. 1941 0.8375 0. 15460 6.4684 0. 18460 5.4172 13.0762 2.4 138
7 1.2299 0.8 13 1 0. 1305 1 7.6625 0. 16051 6.2303 17.9547 2.8819
8 1.2668 0.7894 0. 11246 8.8923 0. 14246 7.0 197 23.4806 3.3450
9 1.3048 0.7664 0.09843 10. 1591 0.12843 7.786 1 29.6 11 9 3.8032
10 1.3439 0.744 1 0.08723 11.4639 0. 11 723 8.5302 36.3088 4.2565
II 1.3842 0.7224 0.07808 12.8078 0. 1.0808 9.2526 43.5330 4.7049
12 1.4258 0.7014 0.07046 14. 1920 0. 10046 9.9540 5 1.2482 5. 1485
13 IA685 0.68 10 0.06403 15.6 178 0.09403 10.6350 59 .4196 5.5872
14 1. 5126 0.66 11 0.05853 17.0863 0.08853 11.296 1 680 141 6.02 10
15 1.5580 0.64 19 0.05377 18.5989 0.08377 11 .9379 770002 6.4500
16 1.6047 0.6232 0.04961 20. 1569 0.0796 1 12.561 1 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 0.0727 1 13.7535 106.0 137 7.708 1
19 1.7535 0.5703 0.0398 1 25. 11 69 0.0698 1 14.3238 116.2788 8. 1179
20 1.806 1 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 8.923 1
22 1.9 16 1 0. 52 19 0.03275 30.5 368 0.06275 15.9369 148.5094 9.3 186
23 1.9736 0.5067 0.0308 1 32.4529 0.0608 1 16.4436 159.6566 9.7093
24 2.0328 0.49 19 0.02905 34.4265 0.05905 16.9355 170.97 11 10.0954
25 2.0938 0.4776 0.02743 36.4593 0.05743 17.4 13 1 182.4336 10.4768
26 2. 1566 0.4637 0.02594 38.5530 0.05594 17.8768 194.0260 10.8535
27 2.22 13 0.4502 0.02456 40.7096 0.05456 18.3270 205.7309 11.2255
28 2.2879 0.437 1 0.02329 42.9309 0.05329 18.764 1 2 17.5320 11.5930
29 2.3566 0.4243 0.022 11 45.2 189 0.052 11 19. 1885 229.4 137 11.9558
30 2A273 OA I20 0.02 102 47.5754 0.05102 19.6004 241.361 3 12.3 14 1
31 2.5001 0.4000 0.02000 50.0027 0.05000 20.0004 253.3609 12.6678
32 2.575 1 0.3883 0.0 1905 52.5028 0.04905 20.3888 265.3993 13.0 169
33 2.6523 0.3770 0.0 18 16 55.0778 0.04816 20.7658 277A642 13.36 16
34 2.73 19 0.3660 0.0 1732 57.7302 0.04732 2 1.1 3 18 289.5437 13.70 18
35 2.8 139 0.3554 0.01654 60.4621 0.04654 2 1.4872 30 1.6267 14.0375
40 3.2620 0.3066 0.01 326 75 AO l 3 0.04326 23. 11 48 36 1.7499 15.6502
45 3.78 16 0.2644 0.01079 92.7 199 0.04079 24.5 187 420.6325 17. 1556
50 4.3839 0.228 1 0.00887 11 2.7969 0.03887 25.7298 477.4803 18.5575
55 5.082 1 0. 1968 0.00735 136.0716 0.03735 26.7744 531.74 11 19.8600
60 5.89 16 0. 1697 0.006 13 163.05 34 0.036 13 27.6756 583.0526 2 1.0674
65 6. 8300 0. 1464 0.005 15 194.3328 0.035 15 28.4529 63 1.20 10 22. 184 1
70 7.9178 0. 1263 0.00434 230.594 1 0.03434 29. 1234 676.0869 23.2 145
75 9.1789 0. 1089 0.00367 272.6309 0.03367 29.7018 717.6978 24. 1634
80 10.6409 0.0940 0.003 11 32 1.3630 0.033 11 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 0.08 11 0.00265 377.8570 0.03265 30.63 12 791.3529 25.8349
90 14.3005 0.0699 0.00226 443.3489 0.03226 3 1. 0024 823.6302 26.5667
96 17.0755 0.0586 0.001 87 535.8502 0.03 187 3 1.38 12 858.6377 27.3615
108 24.3456 0.04 11 0.001 29 778. 1863 0.03 129 3 1.9642 917.60 13 28.7072
120 34.7 110 0.0288 0.00089 11 23.70 0.03089 32.3730 963.8635 29.7737
 Compound Interest Factor Tables 735

4% TABLE 9 Discrete Cash Flow: Compound Interest Factors 4%

Singl e Payments Uniform Series Payments Arithmetic Gradie nts
Compound Present Sinkin g Compound Capital Present Gradient Gradient
Amount Worth Fund Amount Recovery Worth Present Worth Uniform Seri es
n F/ P P/ F A/ F F/ A A/ P PI A PI G A/ G
I 1.0400 0.96 15 1.00000 1.0000 1.04000 0.9615
2 1.08 16 0.9246 0.49020 2.0400 0.53020 1.8861 0.9246 0.4902
3 1.1 249 0.8890 0.32035 3. 12 16 0.36035 2.775 1 2.7025 0.9739
4 1.1 699 0.8548 0.23549 4.2465 0.27549 3.6299 5.2670 1.45 10
5 1.21 67 0.82 19 0.18463 5.4 163 0.22463 4.45 18 8.5547 1.92 16
6 1.2653 0.7903 0. 15076 6.6330 0.19076 5.242 1 12.5062 2.3857
7 1. 3 159 0.7599 0. 12661 7.8983 0.16661 6.002 1 17.0657 2.8433
8 1.3686 0.7307 0.10853 9.2 142 0.14853 6.7327 22.1806 3.2944
9 1.4233 0.7026 0.09449 10.5828 0.1 3449 7.4353 27.8013 3.739 1
10 1.4802 0.6756 0.08329 12.006 1 0. 12329 8. 1109 33.8814 4.1773
II 1.5395 0.6496 0.074 15 13.4864 0.1 14 15 8.7605 40.3772 4.6090
12 1.60 10 0.6246 0.06655 15.0258 0. 10655 9.385 1 47.2477 5.0343
13 1.665 1 0.6006 0.060 14 16.6268 . 0. 100 14 9.9856 54.4546 5.4533
14 1.73 17 0.5775 0.05467 18.29 19 0.09467 10.563 1 6 1.96 18 5.8659
15 1.8009 0.55 53 0.04994 20.0236 0.08994 11.1 184 69.7355 6.272 1
16 1.8730 0.5339 0.045 82 2 1.8245 0.08582 11.6523 77.7441 6.6720
17 1.9479 0.5 134 0.04220 23.6975 0.08220 12. 1657 85.958 1 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 27.67 12 0.076 14 13.1339 102.8933 7.8342
20 2. 19 11 0.4564 0.03358 29.778 1 0.07358 13.5903 111.5647 8.2091
21 2.2788 0.4388 0.03 128 3 1.9692 0.07 128 14.0292 120.3414 8.5779
22 2.3699 0.4220 0.02920 34.2480 0.06920 14.451 1 129.2024 8.9407
23 2.4647 0.4057 0.0273 1 36.6 179 0.06731 14.8568 138. 1284 9. 2973
24 2.5633 0. 390 1 0.02559 39.0826 0.06559 15.2470 147 .101 2 9.6479
25 2.665 8 0.375 1 0.02401 4 1.6459 0.0640 1 15.622 1 156.1040 9.9925
26 2.7725 0.3607 0.02257 44. 3 11 7 0.06257 15.9828 165. 12 12 10.33 12
27 2.8834 0.3468 0.02 124 47.0842 0.06 124 16.3296 174.1385 10.6640
28 2.9987 0.3335 0.0200 1 49 .9676 0.0600 1 16.663 1 183. 1424 10.9909
29 3. 1187 0.3207 0.0 1888 52.9663 0.05888 16.9837 192. 1206 11.31 20
30 3.2434 0.3083 0.0 1783 56.0849 0.057 83 17.2920 201.06 18 11 .6274
31 3.373 1 0.2965 0.0 1686 59.3283 0.05686 17.5885 209.9556 11.937 1
32 3.508 1 0.285 1 0.01595 62.70 15 0.05595 17.8736 2 18.7924 12.2411
33 3.6484 0.274 1 0.015 10 66.2095 0.05510 18. 1476 227.5634 12.5396
34 3.7943 0.2636 0.0 143 1 69 .8579 0.0543 1 18.4112 236.2607 12.8324
35 3.946 1 0.2534 0.0 1358 73 .6522 0.05358 18.6646 244.8768 13. 1198
40 4.8010 0.2083 0.0 1052 95 0255 0.05052 19.7928 286.5303 14.4765
45 5.84 12 0. 17 12 0.00826 12 1.0294 0.04826 20.7200 325.4028 15.7047
50 7. 1067 0. 1407 0.00655 152 .667 1 0.04655 21.4822 36 1.1638 16.8 122
55 8.6464 0. 11 57 0.00523 19 1.1 592 0.04523 22.1086 393.6890 17.8070
60 10.5 196 0.095 1 0.00420 237.9907 0.04420 22.6235 422 .9966 18.6972
65 12.7987 0.078 1 0.00339 294 .9684 0.04339 23.0467 449.20 14 19.4909
70 15.57 16 0.0642 0.00275 364 .2905 0.04275 23.3945 472.4789 20.196 1
75 18.9453 0.0528 0.00223 448.63 14 0.04223 23.6804 493.0408 20.8206
80 23.0498 0.0434 0.00 18 1 55 1. 2450 0.04 18 1 23.9154 5 11.116 1 2 1. 37 18
85 28.0436 0.0357 0.00 148 676.0901 0.04148 24. 1085 526.9384 2 1.8569
90 34.1 193 0.0293 0.00 12 1 827.9833 0.04 12 1 24.2673 540.7369 22 .2826
96 43. 17 18 0.0232 0.00095 1054.30 0.04095 24.4209 554.931 2 22.7236
108 69. 11 95 0.0 145 0.00059 1702.99 0.04059 24.6383 576.8949 23.4 146
120 110.6626 0.0090 0.00036 274 1.56 0.04036 24.774 1 592.2428 23 .9057
144 283 .66 18 0.0035 0.000 14 7066.55 0.040 14 24.9 11 9 6 10. 1055 24.4906
736 Compound Interest Factor Tables

5% TABLE 10 Discrete Cash Flow: Compound Interest Factors 5%

Singl e Paym e nts Uniform Seri es Payments Arithm etic Gradients
Compound Present Sinking Compound Ca pital Present Gradient Gradient
Amount Worth Fund Amount Recovery Worth Present Worth Unifo rm Se ries
n FI P PI F AI F FI A Al P PI A PI G AI G

I 1.0500 0.9524 1.00000 1.0000 1.05000 0.9524

2 1.1 025 0.9070 0.48780 2.0500 0.53780 1.8594 0.9070 0.4878
3 1.1576 0. 8638 0.3 1721 3.1525 0.3672 1 2.7232 2.6347 0.9675
4 1. 2 155 0.8227 0.2320 1 4.3 10 1 0.2820 1 3.5460 5.1028 1.439 1
5 1.2763 0.7835 0.18097 5.5256 0.23097 4.3295 8.2369 1.9025
6 1.340 1 0.7462 0. 14702 6.8019 0. 19702 5.0757 11.9680 2.3579
7 1.407 1 0.7 107 0.1 2282 8. 1420 0. 17282 5.7864 16.232 1 2.8052
8 1.4775 0.6768 0.10472 9.549 1 0.15472 6.4632 20.9700 3.2445
9 1.5513 0.6446 0.09069 11.0266 0.14069 7.1078 26.1268 3.675 8
10 1. 6289 0.6 139 0.07950 12.5779 0.12950 7.7217 3 1.6520 4.0991
II 1.7103 0.5847 0.07039 14.2068 0. 12039 8.3064 37.4988 4.5 144
12 1.7959 0.5568 0.06283 15.9 17 1 0. 11 283 8.8633 43.624 1 4.92 19
13 1.8856 0.5303 0.05646 17.7 130 0. 10646 9.3936 49.9879 5.32 15
14 1.9799 0.505 1 0.05 102 19.5986 0. 10102 9.8986 56.5538 5.7 133
15 2.0789 0.48 10 0.04634 2 1.5786 0.09634 10.3797 63.2880 6.0973
16 2.1829 0.458 1 0.04227 23.6575 0.09227 10. 8378 70. 1597 6.4736
17 2.2920 0.4363 0.03870 25. 8404 0.08870 11.274 1 77. 1405 6.8423
18 2.4066 0.4 155 0.03555 28.1 324 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. 7 193 007800 12.82 12 105.6673 8.24 16
22 2.9253 0. 34 18 0.02597 38.5052 0.07597 13. 1630 11 2.846 1 8.5730
23 3.07 15 0.3256 0.024 14 41.4305 0.074 14 13.4886 120.0087 8.897 1
24 3.225 1 0.3 10 1 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 0.28 12 0.01956 51.1 135 0.06956 14.3752 141.2585 9.8266
27 3.7335 0.2678 0.01829 54.669 1 0.06829 14.6430 l48.2226 10.1 224
28 3.920 1 0.255 1 0.0 17 12 58.4026 0.067 12 14.898 1 155.JlO I 10.4 114
29 4. 11 6 1 0.2429 0.0 1605 62.3227 0.06605 15. 14 11 .161.91 26 10.6936
30 4.32 19 0. 23 14 0.0 1505 66.4388 0.06505 15.3725 168.6226 10.969 1
31 4.5380 0.2204 0.0 14 13 70.7608 0.064 13 15.5928 175.23 33 11.238 1
32 4.7649 0.2099 0.0 1328 75.2988 0.06328 15.8027 l 81.7392 11.5005
33 5.0032 0.1999 0.0 1249 80.0638 0.06249 16.0025 188. 135 1 11 .7566
34 5.2533 0.1904 0.0 11 76 85.0670 0.06176 16. 1929 194.4168 12.0063
35 5.5 160 0. 18 13 0.01107 90.3203 0.06l07 16.3742 200.5807 12.2498
40 7.0400 0. 1420 0.00828 120.7998 0.05828 17. 159 1 229.5452 13.3775
45 8.9850 0. 111 3 0.00626 159 .7002 0.05626 17.774 1 255.3145 14.3644
50 11 .4674 0.0872 0.00478 209.3480 0.05478 18.2559 277.9 148 15.2233
55 14.6356 0.0683 0.00367 272.7 126 0.05367 18.6335 297.5 104 15.9664
60 18.6792 0.0535 0.00283 353.5837 0.05283 18.9293 3 14.3432 16.6062
65 23.8399 0.04 19 0.002l9 456.7980 0.052 19 19. 16 11 328.6910 17. 154 1
70 30.4264 0.0329 0.00 170 588 .5285 0.05 170 19.3427 340.8409 17.62 12
75 38.8327 0.0258 0.00132 756.6537 0.05 132 19.4850 35 1.0721 18.0 176
80 49.56 14 0.0202 0.00103 97 1.2288 0.05103 19.5965 359.6460 18.3526
85 63.2544 0.0 158 0.00080 1245.09 0.05080 19.6838 366.8007 18.6346
90 80.7304 0.0 124 0.00063 1594.61 0.05063 19.7523 372.7488 18.87 12
95 103.0347 0.0097 0.00049 2040.69 0.05049 19.8059 377.6774 19.0689
96 108. 1864 0.0092 0.00047 2 143.73 0.05047 19.8 15 1 378.5555 19. 1044
98 Il 9.2755 0.0084 0.00042 2365.5 1 0.05042 19.8323 380.21 39 19. 17 14
100 13 1.50 13 0.0076 0.00038 26 10.03 0.05038 19.8479 381.7492 19.2337
 Compound lnterest Factor Tables 737

6% TABLE 11 Discrete Cash Flow: Compound Interest Factors 6%

Single Payments Uniform Series Payments Arithmetic Gra die nts

Compound Present Sinking Compound Capital Present Gradient Gra dient

Amount Worth Fund Amount Recovery Worth Present Worth Un iform Se ries
n FI P P/ F A/ F F/ A Al P PI A PI G A/ G
I 1.0600 0.9434 1.00000 1.0000 1.06000 0.9434
2 1.1 236 0.8900 0.48544 2.0600 0.54544 1.8334 0.8900 0.4854
3 1.1910 0.8396 0.3 14 11 3. 1836 0.3741 1 2.6730 2.5692 0.96 12
4 1.2625 0.792 1 0.22859 4.3746 0.28859 3.4651 4.9455 1.4272
5 1.3382 0.7473 0. 17740 5.637 1 0.23740 4.2 124 7.9345 1.8836
6 1.4 185 0 70~ 0. 14336 6.9753 0.20336 4.9 173 11.4594 2.3 304
7 1.5036 0.665 1 0. 119 14 8.3938 0. 17914 5.5824 15.4497 2.7676
8 1.5938 0.6274 0.10 104 9.8975 0. 16104 6.2098 19.84 16 3. 1952
9 1.6895 0.59 19 0.08702 11.491 3 0.14702 6.8017 24.5768 3.6 133
10 1.7908 0.5584 0.07587 13. 1808 0.13587 7.360 1 29.6023 4.0220
II 1.8983 0.5 268 0.06679 14.97 16 0. 12679 7.8869 34.8702 4.42 13
12 2.0 122 0.4970 0.05928 16.8699 0.11 928 8.3838 40.3369 4. 8 11 3
13 2.1 329 0.4688 0.05296 18.882 1 0.11296 8.8527 45.9629 5. 1920
14 2.2609 0.4423 0.0475 8 2 1.01 5 1 0.10758 9.2950 51.7 128 5.5635
IS 2.3966 0.4 173 0.04296 23 .2760 0. 10296 9.7 122 57.5546 5.9260
16 2.5404 0 3936 0.03895 25 .6725 0.09895 10. 1059 63 .4592 6.2794
17 2.6928 0.37 14 0.03544 28.2 129 0.09544 10.477 3 69.40 11 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 11.1 58 1 81.3062 7.2867
20 3.207 1 0.3 11 8 0.0271 8 36.7856 0.087 18 11 .4699 87.2304 7.605 1
21 3.3996 0.2942 0.02500 39.9927 0.08500 11.7641 93.1136 7.9 15 1
22 3.6035 0.2775 0.02305 43 .3923 0.08305 . 12.0416 98.9412 8.2 166
23 3.8 197 0.261 8 0.021 28 46.9958 0.08 128 12.3034 104.7007 8.5099
24 4.0489 0.2470 0.01 968 50.8 156 0.07968 12.5504 110.38 12 8.795 1
25 4.29 19 0.2330 0.01 823 54.8645 0.07823 12.7834 115.9732 9.0722
26 4.5494 0.2 198 0.01690 59. 1564 0.07690 13.0032 121.4684 9.34 14
27 4.8223 0.2074 0.01 570 63.7058 0.07570 13.2 105 126.8600 96029
28 5. 111 7 0. 1956 0.0 1459 68.528 1 0.07459 13.4062 132.1420 9.8568
29 5.4 184 0. 1846 0.01 358 73.6398 0.0735 8 13.5907 137.3096 10. 1032
30 5.7435 0. 1741 0.0 1265 79.0582 0.07265 13.7648 142.3588 10.3422
31 6088 1 0. 1643 0.011 79 84.801 7 0.07 179 13.929 1 147.2864 10.5740
32 6.4534 0. 1550 0.01 100 90.8898 0.07 100 14.0840 152.0901 10.7988
33 6. 8406 0. 1462 0.0 1027 97.3432 0.Q7027 14.2302 156.7681 11.0166
34 7.25 10 0. 1379 0.00960 104. 1838 0.06960 14.368 1 16 1.3 192 11 .2276
35 7.686 1 0.1 301 0.00897 111.4348 0.06897 14.4982 165.7427 11 .43 19
40 10.2857 0.0972 0.00646 154.7620 0.06646 15.0463 185.9568 12.35lfo
45 13.7646 0.0727 0.00470 2 12.7435 0.06470 15.4558 203.1096 13.14 13
SO 18.4202 0.0543 0.00344 290. 3359 0.06344 15.76 19 2 17.4574 13.7964
55 24.6503 0.0406 0.00254 394. 1720 0.06254 15.9905 229.3222 14. 34 11
60 32.9877 0.0303 0.00 188 533 . 1282 0.06 188 16. 16 14 239.0428 14.7909
65 44. 1450 0.0227 0.00 139 7 19.0829 0.06139 16.289 1 246.9450 15. 160 1
70 59.0759 0.0169 0.00 I03 967.9322 0.06 103 16.3845 253 .327 1 15.46 13
75 79.0569 0.01 26 0.00077 1300.95 0.06077 16.4558 258.4527 15.7058
80 105.7960 0.0095 0.00057 1746.60 0.06057 16.509 1 2625493 15.9033
85 14 1.5789 0.007 1 0.00043 2342.98 0.06043 16.5489 265.8096 16.0620
90 189.4645 0.0053 0.00032 3 141.08 0.06032 16.5787 268.3946 16. 189 1
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 16.308 1
98 301.9776 0.0033 0.00020 501 6.29 0.06020 16.6 11 5 271.4491 16.34 11
100 339.302 1 0.0029 0.0001 8 5638.37 0.06018 16.6 175 272.047 1 16.37 11
738 Compound Interest Factor Tables

7% TABLE 12 Discrete Cash Flow: Compound Interest Factors 7%

Single Payments Uniform Series Payments Arithmetic Gradients
Compound Present Sinking Compound Capital Present Gradient Gradi ent
Amount Worth Fund Amount Recovery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/ P P/ A P/ G A/ G
1 1.0700 0.9346 1.00000 1.0000 1.07000 0.9346
2 1.1449 0.8734 0.48309 2.0700 0.55309 1.8080 0. 8734 0.483 1
3 1.2250 0. 8·163 0.3 1105 3.2 149 0.38 105 2.6243 2.5060 0.9549
4 1.3 108 0.7629 0.22523 4.4399 0.29523 3.3872 4.7947 1.41 55
5 1.4026 0.7 130 0. 17389 5.7507 0.24389 4. 1002 7.6467 1.8650
6 1.5007 0.6663 0. 13980 7. 1533 0.20980 4.7665 10.9784 2.3032
7 1.6058 0.6247 0. 11 555 8.6540 0.18555 5.3893 14.7149 2.7304
8 1.7182 0.5820 0.09747 10.2598 0.16747 5.97 13 18.7889 3. 1465
9 1.8385 0.5439 0.08349 11 .9780 0.1 5349 6.5 152 23.1404 3.55 17
10 1.9672 0,:;083 0.07238 13.8 164 0.14238 7.0236 27.7 156 3.946 1
11 2. 1049 0.475 1 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 0.4 150 0.04965 20. 1406 0. 11 965 8.3577 42.3302 5.0648
14 2.5785 0. 3878 0.04434 22 .5505 0. 11 434 8.7455 47 .37 18 5.4 167
15 2.7590 0. 3624 0.03979 25. 1290 0. 10979 9.1079 52.4461 5.7583
16 2.9522 0.3387 0.03586 27.888 1 0. 105 86 9.4466 57.5271 6.0897
17 3. 1588 0 .3 166 0.03243 30.8402 0. 10243 9.7632 62.5923 6.4 110
18 3.3799 0.2959 0.0294 1 33.9990 0.09941 10.059 1 67.62 19 6.7225
19 3.6 165 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 7.3 163
21 4.1406 0.24 15 0.02229 44.8652 0.09229 10.8355 82.3393 7.5990
22 4.4304 0.2257 0.0204 1 49.0057 0.0904 1 11.06 12 87.0793 7. 8725
23 4.7405 0.2 109 0.0 187 1 53.436 1 0.0887 1 11 .2722 91.7201 8. 1369
24 5.0724 0. 197 1 0.0 17 19 58. 1767 0.08719 11.4693 96.2545 8.3923
25 5.4274 0. 1842 0.0 1581 63.2490 0.0858 1 11.6536 100.6765 8.639 1
26 5.8074 0. 1722 0.0 1456 68.6765 0.08456 11 .8258 104.9814 8.8773
27 6.2 139 0. 1609 0.0 1343 74.4838 0.08343 11.9867 109. 1656 9.1072
28 6.6488 0. 1504 0.0 1239 80.6977 0.08239 12. 1371 11 3.2264 9.3289
29 7. 11 43 0. 1406 0.0 11 45 87.3465 0.08 145 12.2777 ll 7. 1622 9.5427
30 7.6 123 0.1 3 14 0.01059 94.4608 0.08059 12.4090 120.9718 9.7487
31 8. 145 1 0. 1228 0.00980 102.0730 0.07980 12.53 18 124.6550 9.947 1
32 8.7 153 0. 1147 0.00907 11 0.2 182 0.07907 12.6466 128.2120 10. 138 1
33 9.3253 0.1072 0.00841 11 8.9334 0.0784 1 12.7538 131.6435 10.32 19
34 9.978 1 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 199.635 1 0.07501 13.33 17 152.2928 11 .4233
45 2 1.0025 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 172.905 1 12.5287
55 4 1. 3 150 0.0242 0.00 174 575.9286 0.07174 13.9399 180.1243 12.92 15
60 57.9464 0.0173 0.00 123 8 13.5204 0.07 123 14.0392 185.7677 13.232 1
65 8 1.2729 0.0 123 0.00087 11 46.76 0.07087 14. 1099 190.1452 13.4760
70 11 3.9894 0.0088 0.00062 16 14. 13 0.07062 14. 1604 193.5185 13.6662
75 159.8760 0.0063 0.00044 2269.66 0.07044 14. 1964 196.1035 13.8 136
80 224.2344 0.0045 0.0003 1 :i 189.06 0.0703 1 14.2220 198.0748 13.9273
85 3 14.5003 0.0032 0.00022 4478.58 0.07022 14.2403 199.57 17 14.0 146
90 44 1.1030 0.0023 0.00016 6287. 19 0.070 16 14.2533 200.7042 14.081 2
95 6 18.6697 0.00 16 0.000 11 8823.85 0.070 11 14.2626 201.55 8 1 14. 13 19
96 661.9766 0.00 15 0.000 11 9442.52 0.070 11 14.264 1 201.7016 14. 1405
98 757.8970 0.00 13 0.00009 10813 0.07009 14.2669 201.9651 14. 1562
100 867.7 163 0.00 12 0.00008 12382 0.07008 14.2693 202.200 1 14. 1703
 Compound Interest Factor Tables 739

8% TABLE 13 Discrete Cash Flow: Compound Interest Factors 8%

Single Payments Uniform Series Payments Arithmetic Gra dients

Compound Present Sinki ng Compo und Capital Present Gradient Gradient

Amount Worth Fund Amount Re covery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/ P PI A PI G A/ G
I 1.0800 0.9259 1.00000 1.0000 1.08000 0.9259
2 1.1 664 0.8573 0.48077 2.0800 0.56077 1.7833 0.8573 0.4808
3 1.2597 0.7938 0.30803 3.2464 0.38803 2.577 1 2.4450 0.9487
4 1.3605 0.7350 0.22192 4.506 1 0.30192 3.3 12 1 4.6501 1.4040
5 1.4693 0.6806 0.17046 5.8666 0.25046 3.9927 7.3724 1.8465
6 1.5869 0.6302 0.13632 7.3359 0.2 J632 4.6229 10.5233 2.2763
7 1.7 138 0.5835 0. 11 207 8.9228 0.19207 5.2064 14.0242 2.6937
8 1.8509 0.5403 0.09401 10.6366 0.1740 1 5.7466 ~ 3.0985
9 1.9990 0.5002 0.08008 12.4876 0.16008 6.2469 2 1.808 1 3.49 10
10 2. 1589 0.4632 0.06903 14.4866 0.14903 6.7 101 25.9768 3.87 13
II 2.33 16 0.4289 0.06008 16.6455 0.14008 7. 1390 30.2657 4.2395
12 2.5 182 0.397 1 0.05270 18.977 1 0. 13270 7.5361 34.6339 4.5957
13 2.7 196 0.3677 0.04652 2 1.4953 0. 12652 7.9038 39.0463 4.9402
14 2.9372 0.3405 0.04 130 24.2 149 0.121 30 8.2442 43.4723 5.273 1
15 3. 1722 0.3 152 0.03683 27. 152 1 0.1l 683 8.5595 47.8857 5.5945
16 3.4259 0.2919 0.03298 30.3243 0.11298 8.85 14 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 608426 6.4920
19 4.3 157 0.23 17 0.02413 41.4463 0.1041 3 9.6036 65.0134 6.7697
20 4.66 10 0.2 145 0.02 185 45.7620 0. 10 185 9.8 18 1 69.0898 7.0369
21 5.0338 0. 1987 0.0 1983 50.4229 0.09983 10.0 168 73.0629 7.2940
22 5.4365 0. 1839 0.0 1803 55.4568 0.09803 10.2007 76.9257 7.5412
23 5.87 15 0. 1703 0.0 1642 60.8933 0.09642 10.37 11 80.6726 7.7786
24 6.34 12 0. 1577 0.0 1498 667648 0.09498 10.5288 84.2997 8.0066
25 6.8485 0. 1460 0.0 1368 73. 1059 0.09368 10.6748 87.804 1 8.2254
26 7.3964 0. 1352 0.0 1251 79.9544 0.09251 10.8 100 91. 1842 8.4352
27 7.988 1 0. 1252 0.0 11 45 87.3508 0.09145 10.9352 94.4390 8.6363
28 8.627 1 0.1159 0.0 1049 95.3388 0.09049 11.0511 97.5687 8.8289
29 9.3 173 0.1073 0.00962 103.9659 0.08962 11. 1584 100.5738 9.01 33
30 10.0627 0.0994 0.00883 11 3.2832 0.08883 11.2578 103.4558 9. 1897
31 10.8677 0.0920 0.008 11 123.3459 0.088 11 11 .3498 106.2 163 9.3584
32 11.737 1 0.0852 0.00745 134.2 135 0.08745 11 .4350 108.8575 9.5 197
33 12.6760 0.0789 0.00685 145.9506 0.08685 11.5 139 11l.3819 9.6737
34 13.6901 0.0730 0.00630 158.6267 0.08630 11 .5869 11 3.7924 9.8208
35 14.7853 0.0676 0.00580 172.3 168 0.08580 11.6546 11 6.0920 9.96 11
40 2 1. 7245 0.0460 0.00386 259.0565, 0.08386 11.9246 126 .0422 10.5699
45 3 1.9204 0.03 13 0.00259 386.5056 0.08259 12. 1084 133 .7331 11.0447
50 46.90 16 0.02 13 0.00 174 573. 7702 0.08 174 12.2335 139.5928 11 .4 107
55 68.9 139 O'() 145 0.00 11 8 848 .9232 0.08 11 8 12.3 186 144.0065 11 .6902
60 10 1.25 71 0.0099 0.00080 1253.2 1 0.08080 12.3766 147.3000 11.90 15
65 148.7798 0.0067 0.00054 1847.25 0.08054 12.4 160 149.7387 12.0602
70 2 18.6064 0.0046 0.00037 2720.08 0.08037 12.4428 15 1.5326 12. 1783
75 32 1.2045 0.003 1 0.00025 4002.56 0.08025 12.46 11 152.8448 12.2658
80 47 1.9548 0.002 1 0.00017 5886.94 0.0801 7 12.4735 153.800 1 12.330 1
85 693.4565 0.00 14 0.000 12 8655.7 1 0.08012 12.4820 154.4925 12.3772
90 10 18.92 0.00 10 0.00008 12724 0.08008 12.4877 154.9925 12.4 116
95 1497. 12 0.0007 O.OOO~ 18702 0.08005 12.49 17 155.3524 12.4365
96 16 16.89 0.0006 0.00005 20 199 0.08005 12.4923 155.4 11 2 12.4406
98 1885.94 0.0005 0.00004 23562 0.08004 12.4934 155.5 176 12.4480
100 2 199.76 0.0005 0.00004 27485 0.08004 12.4943 155.6107 12.4545
740 Compound Interest Factor Tables

9% TABLE 14 Discrete Cash Flow: Compound Interest Factors 9%

Single Payments Uniform Series Payments Arithmet ic Gra d ients
Compound Present Sinking Compound Ca p it a l Present Gradie nt G ra d ie nt
Amount Worth Fund Amount Recove ry Wo rt h Present Wo rth Uniform Series
n F/P P/ F A/ F F/ A A/ P P/ A P/ G A/ G
I 1.0900 0.9174 1.00000 1.0000 l.09000 0.9 174
2 1.1 88 1 0.8417 0.47847 2.0900 0.56847 1.759 1 0.84 17 0.4785
J 1.2950 0.7722 0.30505 3.278 1 0.39505 2.53 13 2.3860 0.9426
4 1.41 16 0.7084 0.21867 4.5731 0.30867 3.2397 4.5113 1. 3925
5 1.5386 0.6499 0. 16709 5.9847 0.25709 3.8897 7.1110 1.8282
6 1.677 1 0.5963 0. 13292 7.5233 0.22292 4.4859 10.0924 2.2498
7 1.8280 0.5470 0.10869 9.2004 0.1 9869 5.0330 13.3746 2.6574
8 1. 9926 0.50 19 0.09067 1l.0285 0.18067 5.5348 16.8877 3. 05 12
9 2. 17 19 0.4604 007680 13.02 10 0. 16680 5.9952 20.57 11 3.43 12
10 2.3674 0.4224 0.06582 15. 1929 0. 15582 6.4177 24.3728 3.797 8
II 2.5804 0.3875 0.05695 17.5603 0. 14695 6.8052 28.248 1 4. 1510
12 2.8 127 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 36.073 1 4.8 182
14 3.3417 0.2992 0.03843 260 192 0. 12843 7.7862 39.9633 5.1 326
15 36425 02745 0.03406 29.3609 0.12406 8.0607 43.8069 5.4346
16 3.9703 0.25 19 0.03030 33 .0034 0. 12030 8.3 126 47.5849 5.7245
17 4.3276 0.23 11 0.02705 36.9737 0.11705 8. 5436 5 1.282 1 6.0024
18 4.717 1 0.2 120 0.0242 1 41.3013 0. 11 421 8.7556 54.8860 6. 2687
19 5. 1417 0. 1945 002 173 46.0 185 0.1 1173 8.950 1 58 .3868 6.5236
20 5.6044 0. 1784 0.01955 51.1 601 0.10955 9. 1285 6 1. 7770 6.7674
21 6. 1088 0. 1637 0.0 1762 56.7645 0.10762 9.2922 65 .0509 7.0006
22 6.6586 0.1502 0.0 1590 62.8733 0. 10590 9.4424 68.2048 7.2232
23 7.2579 0.1 378 0.0 1438 69.5319 0.10438 9.5802 7 1.2359 7.4357
24 7.9 111 0.1264 0.0 1302 76. 7898 0.10302 9.7066 74. 1433 7.6384
25 8.623 1 0. 11 60 0.0 11 81 84.7009 0. 10 181 9.8226 76.9265 7.83 16
26 9.3992 0. 1064 0.0 1072 93.3240 0.10072 9.9290 79.5863 8.0 156
27 10.245 1 0.0976 0.00973 102.723 1 0.09973 10.0266 82. 124 1 8. 1906
28 I I 167 1 0.0895 0.00885 11 2.9682 0.09885 10. 11 6 1 84.54 19 8.357 1
29 12. 1722 0.0822 0.00806 124. 1354 0.09806 10.1 983 86.8422 8.5 154
30 13.2677 0.0754 0.00734 136.3075 0.09734 10.2737 89.0280 8.6657
31 14.46 18 0.069 1 0.00669 149 .5752 0.09669 10.3428 9 1.1 024 8.8083
32 15.7633 0.0634 0.00610 164.0370 0.096 10 10.4062 93.0690 8.9436
33 17. 1820 0.0582 0.00556 179.8003 0.09556 10.4644 94.93 14 9.07 18
34 18.7284 0.0534 0.00508 196.9823 0.09508 10.5 178 96.6935 9. 1933
35 20.4 140 0.0490 0.00464 2 15.7108 0.09464 10.5668 98.3590 9.3083
40 3 1.4094 0.03 18 0.00296 337.8824 0.09296 10.7574 105 .3762 9.7957
45 48. 3273 0.0207 0.00 190 525.8587 0.09 190 10.88 12 11 0.556 1 10. 1603
50 74.3575 0.0 134 0.00 123 8 15.0836 0.09 123 10.96 17 11 4.3251 10.4295
55 1144083 0.0087 0.00079 1260.09 0.09079 11.0 140 11 7.0362 10.626 1
60 176.03 13 0.0057 0.00051 1944.79 0.0905 1 1l.0480 118.9683 10.7683
65 270.8460 0.0037 0.00033 2998 .29 0.09033 11.070 1 120.3344 10.8702
70 416.7301 0.0024 0.00022 46 19.22 0.09022 11.0844 12 1.2942 10.9427
75 641. 1909 0.00 16 0.000 14 7 11 3.23 0.09014 11 .0938 12 1.9646 10.9940
80 986.55 17 0.0010 0.00009 1095 1 0.09009 11.0998 122.4306 11.0299
85 15 17.93 0.0007 0.00006 16855 0.09006 11.1 038 122.7533 11 .055 1
90 2335.53 0.0004 0.00004 25939 0.09004 11.1 064 122.9758 11.0726
95 3593 .50 0.0003 0.00003 399 17 0.09003 11. 1080 123. 1287 11.0847
96 3916.9 1 0.0003 0.00002 435 10 0.09002 11.1 083 123. 1529 11 .0866
n 4653.68 0.0002 0.00002 5 1696 0.09002 11.1 087 123.1963 11.0900
100 5529.04 0.0002 0.00002 61423 0.09002 11.1 09 1 123.2335 11.0930
 Compound Interes t Factor Tables 741

10% TABLE 15 Discrete Cash Flow: Compound Interest Factors 10%

Single Payments Uniform Series Payments Arithme tic G radients

Com p ound Present Sinking Compound Cap ital Present Gradient Gradi e nt
Amou nt Worth Fund Amount Recovery Worth Present Worth Un iform Se ries
n FI P PI F AI F FIA Al P PIA PIG AIG
1 1.1000 0.9091 1.00000 1.0000 1.10000 0.9091
2 1.2 100 0.8264 0.47619 2. 1000 0.576 19· 1.7355 0.8264 0.4762
3 1.33 10 0.7513 0.30211 3.3 100 0.4021 1 2.4869 2.3291 0.9366
4 1.464 1 0.6830 0.2 1547 4.64 10 0.3 1547 3. 1699 4.378 1 1.38 12
5 1.6 105 0.6209- 0 16380 6. 105 1 0.26380 3.7908 6.8618 1.8 10 1
6 1.77 16 0.5645 0. 1296 1 7.7 156 0.2296 1 4.3553 9.6842 2.2236
7 1.9487 0. 5 132 0.10541 9.4872 0.2054-1 4.8684 12.763 1 2.62 16
8 2. 1436 0.4665 ~ 0.08744 11 .4359 0. 18744 5.3349 16.0287 3.0045
9 2.3579 0.424 1 0.07364 13.5795 0. 17364 5.7590 19.42 15 3.3724
10 2.5937 0~'i5 0.06275 I 15.9374 0. 16275 6. 1446 22.89 13 3.7255
11 2.853 1 o.35 oS--- - 0.05396 18.53 12 0.15 396 6.495 1 26.3963 4.064 1
12 , 3.1 384 0.3 186 0.04676 2 1.3843 0.14676 6.8 137 29.9012 4.3884
13 3.45 23 0.2897 0.04078 24.5227 0.14078 7. 1034 33.3772 4.6988
14 3. 7975 0.2633 0.03575 27.9750 0.1 3575 7.3667 36. S005 4.9955
15 4. 1772 0.2394 0.03 147 3 1.7725 0.13 147 7.606 1 40.1520 5.2789
16 4.5950 0.2 176 0.02782 35.9497 0.1 2782 7.8237 43.4164 5.5493
17 5.0545 0. 1978 0.02466 40.5447 0.12466 8. 02 16 46.58 19 5.807 1
18 5.5599 0.1 799 0.02 193 45.5992 0.12193 8.201 4 49.6395 6.0526
19 6. 11 59 0. 1635 0.0 1955 5 1.1591 0.11955 8.3649 52.5827 6.286 1
20 6.7275 0. 1486 0.0 1746 57.2750 0.1 1746 8.5 136 55 .4069 6.508 1
21 7.4002 0. 135 1 0.01 562 64.0025 0. 11 562 8.6487 58. 1095 6.7 189
22 8. 1403 0. 1228 0.01401 7 1.4027 0.11401 8.77 15 60.6893 6.9 189
23 8.9543 0. 111 7 0.0 1257 79.5430 0.11 257 8.8832 63.1462 7. 1085
24 9.8497 0. 10 15 0.01 130 88.4973 0.1 11 30 8.9847 65.4813 7.288 1
25 10.8347 0.0923 0.0 101 7 98.3471 0. 11 017 9.0770 67.6964 7.4580
26 11.9 182 0.0839 0.009 16 109. 18 18 0. 109 16 9. 1609 69.7940 7.6 186
27 13. 11 00 0.0763 0.00826 12 1.0999 0.10826 9.2372 7 1.7773 7.7704
28 14.42 10 0.0693 0.00745 134.2099 0.10745 9.3066 73.6495 7.9 137
29 15.863 1 0.0630 0.00673 148.6309 0. 10673 9.3696 75.4 146 8.0489
30 17.4494 0.0573 0.00608 164.4940 0.10608 9.4269 77.0766 8. 1762
31 19. 1943 0.052 1 0.00550 18 1.9434 0.10550 9.4790 78.6395 8.2962
32 2 1.11 38 0.0474 0.00497 201.1 378 0.10497 9.5264 80.1078 8.409 1
33 23.2252 0.043 1 0.00450 222.25 15 0.10450 9.5694 81.4856 8.5 152
34 25.5477 0.039 1 0.00407 245.4767 0. 10407 9.6086 82.7773 8.6 149
35 28. 1024 0.0356 0.00369 27 1.0244 0.10369 9.6442 83.9872 8.7086
40 45.2593 0.022 1 0.00226 442.5926 0. 10226 9.779 1 88.9525 9.0962
45 72.8905 0.0 137 0.00 139 7 18.9048 0. 10 139 9.8628 92.4544 9.3740
50 11 7.3909 0.0085 000086 11 63.9 1 0. 10086 9.9 148 94.8889 9.5704
55 189 059 1 0.0053 0.00053 1880.59 0.10053 9.947 1 96.56 19 9.7075
60 304.48 16 0.0033 0.00033 3034. 82 0.10033 9.9672 97.70 10 9.8023
65 490.3707 0.0020 0.00020 4893.7 1 0.10020 9.9796 98.4705 9.8672
70 789.7470 0.001 3 0.000 13 7887.47 0. 1001 3 9.9873 98.9870 9.9 11 3
75 127 1.90 O.OOOS 0.00008 12709 0.10008 9.992 1 99.33 17 9.94 10
80 2048.40 0.0005 0.00005 20474 0.10005 9.995 1 99.5606 9.9609
85 3298.97 0.0003 0.00003 32980 0. 10003 9.9970 99.7120 9.9742
90 53 13.02 0.0002 0.00002 53 120 0. 10002 9.998 1 99.8 11 8 9.983 1
95 8556.68 0.000 1 0.0000 1 85557 0.10001 9.9988 99.8773 9.988'1
96 94 12.34 0.000 1 0.0000 1 94 11 3 0. 10001 9.9989 99.8874 9.9898
98 11 389 0.000 1 0.0000 1 0.10001 9.999 1 99.9052 9.99 14
100 1378 1 0.000 1 0.00001 0.10001 9.9993 99.9202 9.9927
742 Co mpound Interest Factor Tables

11% TABLE 16 Discrete Cash Flow: Compound Interest Factors 11%

Singl e Payments Uniform Series Payments Arithmetic Gradients
Compound Present Sinking Compound Capital Present Gradient Gradient
Amount Worth Fund Amount Recovery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A Al P PIA PIG AIG
I 1.11 00 0.9009 100000 1.0000 1.11000 0.9009
2 1.232 1 0.8 11 6 OA7393 2. 11 00 0.58393 1.7125 0.8116 0.4739
3 1.3676 0.7312 0.2992 1 3.342 1 OA0921 2A437 2.2740 0.9306
4 1.5 1.8 1 0.6587 0.2 1233 4.7097 0.32233 3. 1024 4.2502 1.3700
5 1.685 1 0.5935 0.16057 6.2278 0. 27057 3.6959 6.6240 1.792 3
6 1.8704 0.5346 0.12638 7.9 129 0.23638 4.2305 9.2972 2.1976
7 2.0762 OA8 17 0.10222 9.7833 0.2 1222 4.7 122 12.1872 2.5863
8 2.3045 0.4339 0.08432 11 .8594 0 .1 9432 5. 146 1 15.2246 2.9585
9 2.5580 0.3909 0.07060 14. 1640 0 18060 5.5370 18.3520 3.3 144
10 2.8394 0. 3522 0.05980 16.7220 0.16980 5.8892 2 1.52 17 3.6544
II 3. 15 18 0.3 173 0.05 11 2 19.5614 0.16112 6.2065 24 .6945 3.9788
12 3A985 0.2858 0.04403 22.7 132 0.15403 6A924 27 .8388 4.2879
13 3.8833 0. 2575 0.03815 26 .2 11 6 0.14815 6.7499 30.9290 4.5 822
14 4. 3 104 0. 2320 0.03323 30.0949 0.14323 6.98 19 33.9449 4. 86 19
15 4.7846 0.2090 0.02907 34A054 0.1 3907 7. 1909 368709 5.1 275
16 5.3 109 0. 1883 0.02552 39. 1899 0.1 3552 7.3792 39.6953 5.3794
17 5.895 1 0. 1696 0.02247 44.5008 0.13247 7.5488 42A095 5.6 180
18 6.5436 0. 1528 0.0 1984 50.3959 o 12984 7.70 16 45.0074 5.8439
19 7.2633 0. 1377 0.0 1756 56.9395 0.12756 7.8393 47A856 6.0574
20 8.0623 0.1240 0.0 1558 64.2028 0.12558 7.9633 49.8423 6.2590
21 8.9492 0. 1117 0.0 1384 72.265 I 0.12384 8.075 1 52.0771 6A49 I
22 9.9336 0. 1007 0.0 123 1 8 1. 2 143 0.12231 8. 1757 54.1912 6.6283
23 11.0263 0.0907 00 1097 9 1 1479 0.12097 8.2664 56. 1864 6.7969
24 12.2392 0.08 17 0.00979 102.1742 0.11979 8.348 1 58.0656 6.9555
25 13.5855 0.0736 0.00874 11 4.4 133 0. 11 874 8.42 17 59.8322 7.1045
26 15.0799 0.0663 0.0078 1 127.9988 0. 11 78 1 8.488 1 61 A900 7.2443
27 16.7386 0.0597 0.00699 143.0786 0.11699 8.5478 63.0433 7.3754
28 18.5799 00538 0.00626 159.8173 0.1 1626 8.60 16 64.4965 7.4982
29 20.6237 0.0485 000561 178 .3972 0.11561 8.650 1 65.8542 7.6 13 1
30 22.8923 0.0437 0.00502 199.0209 0.11502 8.6938 67. 12 10 7.7206
31 25A l04 00394 0.0045 I 22 1. 91 32 0.11451 8.733 1 68. 301 6 7.82 10
32 28 .2056 0.0355 0.00404 247.3236 0.11404 8.7686 69.4007 7.9 147
33 3 1.3082 0.Q3 19 0.00363 275.5292 0.11'363 8.8005 70A228 8.002 1
34 34.752 1 0.0288 0.00326 306.8374 0.11 326 8.8293 71.3724 8.0836
35 38.5749 0.0259 0.00293 34 1.5896 0. 11 293 8.8552 72.2538 8.1 594
40 65.0009 0.0 154 000172 58 1.826 1 0. 111 72 8.95 11 75.7789 8.4659
45 109.5302 0.0091 OOOJOI 986.6386 0.11101 9.0079 78. 155 1 8.6763
50 184.5648 0.0054 0.00060 1668.77 0 11060 9.04 17 79 .7341 8.8 185
5S 3 11 .0025 0.0032 0.00035 28 18.20 0. 11 035 9.06 17 80.77 12 8.9 135
60 524.0572 0.0019 0.00021 4755.07 0. 1102 1 9.0736 81 .446 1 8.9762
65 883.0669 0.0011 0.000 12 80 18.79 0.11012 9.0806 81.88 19 9.0 172
70 1488 .02 0.0007 0.00007 135 18 0. 11007 9.0848 82. 161 4 9.0438
75 2507.40 0.0004 0.00004 22785 0.11004 9.0873 82.3397 9.06 10
80 4225.11 0.0002 0.00003 38401 0.11003 9.0888 82.4529 9.0720
85 7 11 9.56 0.000 1 0.00002 64714 0.1 1002 9.0896 82.5245 9 0790
 Compound Interest Factor Tables 743

12% TABLE 17 Discrete Cash Flow : Compound Interest Factors 12%

Single Payments Uniform Series Payments Arithmetic Gradients
Compound Present Sinking Compound Capital Present Gradient Gradi ent
Amount Worth Fund Amount Recovery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/ P P/ A P/ G A/ G
I 1.1 200 0.8929 1.00000 1.0000 1.1 2000 0.8929
2 1.2544 0.7972 0.47 170 2. 1200 0.59170 1.6901 0.7972 0.47 17
3 1.4049 0.7118 0.29635 3.3744 0.41635 2.40 18 2.2208 0.9246
4 1.5735 0.6355 0.20923 4.7793 0.32923 3.0373 4. 1273 1.3589
5 1.7623 0.5674 0.1574 1 6.3528 0.27741 3.6048 6.3970 1.7746
6 1.9738 0.5066 0.12323 8. 11 52 0.24323 4. 111 4 8.9302 2. 1720
7 2.2 107 0.4523 0.0991 2 10.0890 0.21912 4.5638 11 .6443 2.55 12
8 2.4760 0.4039 0.08 130 12.2997 0.20130 4.9676 14.47 14 · 2.9 13 1
9 2.773 1 0.3606 0.06768 14.7757 0.18768 5.3282 17.3563 3.2574
10 3. 1058 0.3220 0.05698, 17.5487 ~ 0.17698 .J>,. 5.6502 20.254 1 3.5847
II 3.4785 0.2875 0.04842 20.6546 0.16842 5.9377 23. 1288 3.8953
12 3.8960 0.2567 0.04 144- 24. 133 1 '" 0.16144 6. 1944 25.9523 4. 1897
13 4.3635 0.2292 0.03568 28.029 1 0.15568 6.4235 28.7024 4.4683
14 4.887 1 0.2046 0.03087 32.3926 0.15087 6.6282 3 1.3624 4.73 17
15 5.4736 0. 1827 0.02682 37.2797 0.14682 6.8 109 33.9202 4.9803
16 6. 1304 0.163 1 0.02339 42.7533 0.14339 6.9740 36.3670 5.2 147
17 6.8660 0.1456 0.02046 48.8837 0. 14046 7.1196 38.6973 5.4353
18 7.6900 0.1300 0.0 1794 55.7497 0.1 3794 7.2497 40.9080 5.6427
19 8.6 128 0. 1161 0.0 1576 63.4397 0.1 3576 7.3658 42.9979 5.8375
20 9.6463 0.1037 0.0 1388 72.0524 0.13388 7.4694 44.9676 6.0202
21 10.8038 0.0926 0.0 1224 8 1.6987 0.13224 7.5620 46.8188 6. 19 13
22 12. 1003 0.0826 0.0 108 1 92.5026 0. 1308 1 7.6446 48.5543 6.35 14
23 13.5523 0.0738 0.00956 104.6029 0. 12956 7.7 184 50. 1776 6.50 10
24 15.1 786 0.0659 0.00846 11 8.1552 0. 12846 7.7843 51.6929 6.6406
25 17.000 1 0.0588 0.00750 133.3339 0. 12750 7.843 1 53. 1046 6.7708
26 19.040 1 0.0525 0.00665 150.3339 0.12665 7.8957 54.4177 6.892 1
27 2 1.3249 0.0469 0.00590 169.3740 0.12590 7.9426 55 .6369 7.0049
28 23.8839 0.0419 0.00524 190.6989 0.12524 7.9844 56.7674 7. 1098
29 26.7499 0.0374 0.00466 2 14.5828 0.12466 8.02 18 57.8 141 7.207 1
30 29.9599 0.0334 0.004 14 241.3327 0.12414 8.0552 58.7821 7.2974
31 33.555 1 0.0298 0.00369 27 1.2926 0.12369 8.0850 59.6761 7.38 11
32 37.58 17 0.0266 0.00328 304.8477 0. 12328 8. 111 6 60.50 10 7.4586
33 42.09 15 0.0238 000292 342.4294 0.1 2292 8. 1354 6 1.26 12 7.5302
34 47 . 1425 0.02 12 0.00260 384.52 10 0.12260 8. 1566 6 1.9612 7.5965
35 52.7996 0.0 189 0.00232 43 1.6635 . 0.12232 8. 1755 62.6052 7.6577
40 93.05 I0 00 107 0.001 30 767.09 14 0.121 30 8.2438 65.1 159 7.8988
45 163.9876 0.0061 0.0074 1358.23 0. 12074 8.2825 66.7342 8.0572
50 289.0022 0.0035 0.00042 2400.02 0.1 2042 8.3045 67.7624 8. 1597
55 509.3206 0.0020 0.00024 4236.0 1 0.1 2024 8.3 170 68.4082 8.225 I
60 897.5969 0.001 1 0.000 13 747 1.64 0.1201 3 8.3240 68.8 100 8.2664
65 158 1.87 0.0006 0.00008 13 174 0.1 2008 8.328 1 69.0581 8.2922
70 2787.80 0.0004 0.00004 23223 0.12004 8.3303 69.2 103 8.3082
75 49 13.06 0.0002 0.00002 40934 0.12002 8.33 16 69. 3031 8.3 18 1
80 8658.48 0.0001 0.0000 1 72 146 0.1200 1 8.3324 69.3594 8.324 1
85 15259 0.000 1 0.0000 1 0.12001 8.3328 69.3935 8.3278
744 Compound Interest Factor Tables

14% TABLE 18 Discrete Cash Flow: Compound Interest Factors 14%

Singl e Payments Uniform Series Payments Arithmetic Gradients
Compound Present Sinking Compound Ca pital Present Gradient Gradient
Amount Worth Fund Amount Recovery Worth Present Wo rth Uniform Series
n F/P P/ F A/ F F/ A A/ P PIA PI G A/ G
I 1.1400 0.8772 1.00000 1.0000 1.14000 0.8772
2 1.2996 0.7695 0.46729 2.1400 0.60729 1.6467 0.7695 0,4673
3 1.4815 0.6750 0.29073 3.4396 0.43073 2.3216 2. 1194 0.91 29
4 1 6890 0.5921 0.20320 4.9211 0.34320 2.9137 3.8957 1. 3370
5 1.9254 0.5 194 0.15128 6.6 10 1 0.29128 3.4331 5.973 1 1.7399
6 2. 1950 0.4556 0 .11 7 16 8.5355 0.25716 3.8887 8.25 11 2. 12 18
7 2.5023 0. 3996 0.09319 10.7305 0.23319 4.2883 10.6489 2.4832
8 2.8526 0. 3506 0.07557 13.2328 0.21557 4.6389 J3.1028 2.8246
9 3.2519 0.3075 0.06217 16.0853 0.20217 4.9464 15.5629 3. 1463
10 3.7072 0.2697 0.05 17 1 19.3373 0.19171 5.2 161 17.9906 3,4490
II 4.2262 0.2366 0.04339 23.0445 0.18339 5.4527 20.3567 3.7333
12 4.8179 0.2076 0.03667 27.2707 0.17667 5.6603 22.6399 3.9998
13 5.4924 0.182 1 Oml16 32.0887 0.17l16 5.8424 24.8247 4.2491
14 6.26 13 0. 1597 0.02661 37.5811 0.1666 1 6.0021 26.9009 4.48 19
15 7.1379 0.1401 0.02281 43.8424 0.16281 6.1422 28.8623 4.6990
16 8 1372 0. 1229 0.01962 50.9804 0.15962 6.2651 30.7057 4.90 11
17 9.2765 0.1078 0.01692 59.1176 0.15692 6.3729 32,4305 5.0888
18 10.5752 0.0946 0.01462 68.3941 0.15462 6,4674 34.0380 5.2630
19 12.0557 0.0829 0.0 1266 78.9692 0.15266 6.5504 35.531 1 5.4243
20 13.7435 0.0728 0.01099 9l.0249 0.15099 6.6231 36.9 135 5.5734
21 15.6676 0.0638 0.00954 104.7684 0.14954 6.6870 38. 1901 5.7 111
22 17.86 10 0.0560 0.00830 120.4360 0.14830 6.7429 39.3658 5.838 1
23 20.3616 0.0491 0.00723 138.2970 0.14723 6.7921 40.4463 5.9549
24 23.2 122 0.043 1 0.00630 158 .6586 0. 14630 6.8351 41.4371 6.0624
25 26.46 19 0.0378 0.00550 18 1.8708 0.14550 6.8729 42.344 1 6.16 10
26 30. 1666 0.033 1 0.00480 208.3327 0.14480 6.906 1 43. 1728 6.2514
27 34.3899 0.029 1 0.00419 238.4993 0.14419 6.9352 43.9289 6. 3342
28 39.2045 0.0255 0.00366 272.8892 0.14366 6.9607 44.6 176 6.4 100
29 44.693 1 0.0224 0.00320 3 12.0937 0.14320 6.9830 45.2441 6.479 1
30 50.9502 0.0196 0.00280 356.7868 0.14280 70027 45.8132 6.5423
31 58 .0832 0.0172 0.00245 407.7370 0.14245 70 199 46.3297 6.5998
32 66.2 148 0.0 15 1 0.00215 465.8202 0.14215 7.0350 46.7979 6.6522
33 75.4849 0.0 132 0.00188 532.0350 0.14188 7.0482 47.2218 6.6998
34 86.0528 0.01 16 0.00165 607.5 199 0.14165 7.0599 47.6053 6.743 1
35 98. 1002 0.0102 000144 693.5727 0.14144 7.0700 47.95 19 6.7824
40 188.8835 0.0053 0.00075 1342.D3 0.14075 7. 1050 49.2376 6.9300
45 363.6791 0.0027 0.00039 2590.56 0.14039 7. 1232 49.9963 7.0 188
50 700.2330 0.00 14 0.00020 4994.52 0.14020 7.1327 50.4375 7.07 14
55 1348.24 0.0007 0.00010 9623.13 0.14010 7.1376 50.69 12 7. 1020
60 2595.92 0.0004 0.00005 18535 0.14005 7. 1401 50.8357 7. 11 97
65 4998.22 0.0002 0.00003 35694 0.14003 7. 141 4 50.9 173 7.1 298
70 9623.64 0.0001 0.0000 1 68733 0.1400 1 7. 142 1 50.9632 7. 1356
75 18530 0.0001 0.00001 0. 1400 1 7. 1425 50.9887 7. 1388
80 35677 0.14000 7.1427 5 l.0030 7. 1406
85 68693 014000 7.1428 5 1.0108 7.14 16
 Compound Interest Factor Tables 745

15% , TABLE 19 Di sclTete Cash Flow: Compound Interest Factors 15%

Singl e Pa yme nts Uniform Series Payments Arithme tic Gra die nts
Compound Present Sinking Compound Capital Present Gradient Gradie nt
Amount Worth Fund Amount Recovery Worth Present Worth Un iform Se rie s
n F/ P P/ F A/ F F/ A A/ P P/ A P/ G A/ G
I 1.1 500 0.8696 1.00000 1.0000 1.1 5000 0.8696
2 1.3225 0.7561 0.465 12 2. 1500 0.61512 1.6257 0.7561 0.4651
3 1.5209 0.6575 0.28798 3.4725 0.43798/ 2.2832 2.0712 0.9071
4 1.7490 0.57 18 0.20027 4.9934 0.35027 2.8550 3.7864 1.3263
5 2.0 114 0.4972 0. 14832 6.7424 0.29832 3.3522 5.775 1 1. 7228
6 2.3 13 1 0.4323 0. 11 424 8.7537 0.26424 3.7845 7.9368 2.0972
7 2.6600 0.3759 0.09036 11.0668 0.24036 4. 1604 10.1 924 2.4498
8 3.0590 0.3269 0.07285 13.7268 0.22285 4.4873 12.4807 2.78 13
9 3.5 179 0.2843 0.05957 16.7858 0.20957 4.77 16 14.7548 3.0922
10 4.0456 0.2472 0.04925 20.3037 0. 19925 5.0188 16.9795 3.3832
II 4.6524 0.2 149 0.04 107 24.3493 0. 19107 5.2337 19.1289 3.6549
12 5.3503 0. 1869 0.03448 29.00 17 0.18448 5.4206 2 1.1 849 3.9082
13 6. 1528 0. 1625 0.0291 1 34.35 19 0. 179 11 5.583 1 23. 1352 4. 1438
14 7.0757 0. 14 13 0.02469 40.5047 0. 17469 5.7245 24.9725 4.3624
IS 8. 137 1 0. 1229 0.02102 47.5804 0.1 7102 5.8474 26.6930 4.5650
16 9.3576 0. 1069 0.0 1795 55.7 175 0.1 6795 5.9542 28.2960 4.7522
17 10.76 13 0.0929 0.0 1537 65.075 1 0. 16537 6.0472 29 .7828 4.925 1
18 12.3755 0.0808 0.0 13 19 75.8364 0. 16319 6. 1280 3 l.1 565 5.0843
19 14.23 18 0.0703 0.0 1134 88.2 11 8 0. 16134 6. 1982 32.42 13 5.2307
20 16.3665 0.06 11 0.00976 102.4436 0. 15976 6.2593 33.5822 5.365 1
21 18.82 15 0.053 1 0.00842 118.8 10 1 0. 15842 6.3 125 34.6448 5.4883
22 2 1. 6447 0.0462 0.00727 137.63 16 0. 15727 6.3587 35.6150 5.60 10
23 24.89 15 0.0402 0.00628 159.2764 0. 15628 6.3988 36.4988 5.7040
24 28.6252 0.0349 0.00543 184. 1678 0. 15543 6.4338 37.3023 5.7979
25 32.9 190 0.0304 0.00470 2 12.7930 0. 15470 6.4641 38.03 14 5.8834
26 37.8568 0.0264 0.00407 245.7 120 0. 15407 6.4906 38.6918 5.9612
27 43.5353 0.0230 0.00353 283.5688 0. 15353 6.5135 39.2890 6.0319
28 50.0656 0.0200 0.00306 327. 104 1 0. 15306 6.5335 39.8283 6.0960
29 57.5755 0.0 174 0.00265 377. 1697 0.15265 6.5509 40.3 146 6. 1541
30 66.2 11 8 0.0 15 1 0.00230 434.745 1 0.15230 6.5660 40.7526 6.2066
31 76. 1435 0.0 13 1 0.00200 500.9569 0.15200 6.579 1 41.1466 6.254 1
32 87.565 1 0.0 114 0.00173 577 1005 0.15173 6.5905 41.5006 6.2970
33 100.6998 0.0099 0.00150 664.6655 0.15150 6.6005 41.8 184 6.3357
34 115.8048 0.0086 0.0013 1 765.3654 0.151 31 6.609 1 42.1033 6.3705
35 133. 1755 0.0075 0.001 13 88 1.1702 0. 15 11 3 6.6 166 42 .3586 6.4019
40 267.8635 0.0037 0.00056 1779.09 0.15056 6.64 18 43.2830 6.5 168
45 538.7693 0.00 19 0.00028 3585. 13 0.15028 6.6543 43.8051 6.5830
50 1083.66 0.0009 0.000 14 72 17.72 0.1501 4 6.6605 44.0958 6.6205
55 2 179.62 0.0005 0.00007 14524 0.15007 6.6636 44.2558 6.64 14
60 4384.00 0.0002 0.00003 29220 0 .1 5003 6.665 1 44.343 1 6.6530
65 88 17.79 0.000 1 0.00002 58779 0.15002 6.6659 44.3903 6.6593
70 17736 0.000 1 0.0000 1 0. 1500 1 6.6663 44.4156 66627
75 35673 0.15000 6.6665 44.4292 6.6646
80 7 175 1 0. 15000 6.6666 44.4364 6.6656
85 0.15000 6.6666 44.4402 6.666 1
746 Compou nd Interest Factor Tables

16% TABLE 20 Discrete Cash Flow: Compound Interest Factors 16%

Single Payments Uniform Series Payments Arithmetic Gradients
Compound Present Sinking Compound Capital Present Gradient Gradient
Amount Worth Fund Amount Recovery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/P P/ A P/ G A/ G
I 1.1 600 0.862 1 1.00000 l.0000 1.16000 0.862 1
2 1.3456 0.7432 0.46296 2. 1600 0.62296 1.6052 0.7432 0.4630
3 1.5609 0.6407 0.28526 3.5056 0.44526 2.2459 2.0245 0.90 14
4 1.8106 0.5523 0.19738 5.0665 0.35738 2.7982 3.6814 1.3156
5 2 ..1003 0.476 1 0.14541 6.877 1 0.30541 3.2743 5.5858 1.7060
6 2.4364 0.4 104 0.11 139 8.9775 0.27139 3.6847 7.6380 2.0729
7 2.8262 0. 3538 0.08761 11.4139 0.24761 4.0386 9.7610 2.4 169
8 3.2784 0.3050 0.07022 14.2401 0.23022 4.3436 11 .8962 2.7388
9 3.8030 0.2630 0.05708 17.5 185 0.21708 4.6065 13.9998 3.0391
10 4.4 Jl 4 0.2267 0.04690 21.32 15 0.20690 4.8332 16.0399 3.3 187
II 5. U 73 0.1 954 0.03886 25.7329 0.19886 5.0286 17.9941 3.5783
12 5.9360 0. 1685 0.03241 30.8502 0.19241 5. 197 1 19.8472 3.8 189
13 6.8858 0. 1452 0.027 18 36.7862 0.18718 5.3423 21.5899 4.041 3
14 7.9875 0. 1252 0.02290 43.6720 0.18290 5.4675 23.2175 4.2464
15 9.2655 0. 1079 0.01936 5 1.6595 0.17936 5.5755 24.7284 4.4352
16 10.7480 0.0930 0.01641 60.9250 0.17641 5.6685 26.1241 4.6086
I
17 12.4677 0.0802 0.01395 7 1.6730 0.17395 5.7487 27.4074 4.7676
18 14.4625 0.069 1 0.01188 84.1407 0.17188 5.8 178 28.5828 4.9 130
19 16.7765 0.0596 0.01014 98.6032 0.17014 5.8775 29.6557 5.0457
20 19.4608 0.05 14 0.00867 11 5.3797 0.16867 5.9288 30.632 1 5. 1666
22 26. 1864 0.0382 0.00635 157.4 150 0.16635 6.011 3 32.3200 5.3765
24 35.2364 0.0284 000467 2 13.9776 0.16467 6.0726 33.6970 5.5490
26 47.4 14 1 0.02 11 0.00345 290.0883 0.16345 6.1182 34.8 114 5.6898
28 63.8004 0.0 157 0.00255 392.5028 0.16255 6. 1520 35.7073 5.804 1
30 85.8499 0.0 11 6 0.00189 530.3 11 7 0.16189 6.1772 36.4234 5.8964
32 11 5.5 196 0.0087 0.00140 7 15.7475 0.16140 6.1959 36.9930 5.9706
34 155 .4432 0.0064 0.00104 965.2698 0.16104 6.2098 37.444 1 6.0299
35 180.3 14 1 0.0055 0.00089 11 20.7 1 0.16089 6.215 3 37.6327 6.0548
36 209.1 643 0.0048 0.00077 130 1.03 0.16077 6.2201 37.8000 6.077 1
38 28 1.45 15 0.0036 0.00057 1752.82 0.16057 6.2278 38.0799 6. 11 45
40 378.7212 0.0026 0.00042 2360.76 0.16042 6.2335 38.2992 6. 144 1
45 795.4438 0.00 13 0.00020 4965.27 0.16020 6.242 1 38.6598 6. 1934
50 1670.70 0.0006 0.00010 10436 0.16010 6.2463 38.852 1 6.220 1
55 3509.05 0.0003 0.00005 2 1925 0.16005 6.2482 38.9534 6.2343
60 7370.20 0.000 1 0.00002 46058 0.16002 6.2492 39.0063 6.24 19
 Compound Interest Factor Ta bles 747

18% TABLE 21 Discrete Cash Flow: Compound Interest Factors 18%

Single Payme nts Uniform Series Payments Arithmetic Gradi e nts
Compound Present Sinking Compound Ca p ital Present Gradient Gradient
Amount Worth Fund Amount Recove ry Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/ P P/ A P/ G A/ G
I 1. 1800 0.8475 1.00000 1.0000 1.1 8000 0.8475
2 1.3924 0.7182 0.45872 2. 1800 0.63872 1.5656 0.7182 0.4587
3 1.6430 0.6086 0.27992 3.5724 0.45992 2. 1743 1.9354 0.8902
4 1.9388 0.5 158 0. 19 174 5.2 154 0.37174 2.690 1 3.4828 1.2947
5 2.2878 0.437 1 0. 13978 7. 1542 0.3 1978 3. 1272 5.23 12 1.6728
6 2.6996 0.3704 0. 1059 1 9.4420 0.2859 1 \ 3.49761 7.0834 2.0252
7 3. 1855 0.3 139 0.08236 12. 14 15 0.26236 3:"8i 15 8.9670 2.3526
8 3.7589 0.2660 0.06524 15.3270 0.24524 4.0776 10.8292 2.6558
9 4.4355 0.2255 0.05239 190859 0.23239 4.3030 12.6329 2.9358
10 5.2338 0. 19 11 0.0425 1 23.52 13 0.2225 1 4.494 1 14.3525 3. 1936
II 6. 1759 0.1 6 19 0.03478 28.755 1 0.2 147 8 4. 6560 15.97 16 3.4303
12 7.2876 0. 1372 0.02863 34.93 11 0.20863 4.7932 17.48 11 3.6470
13 8.5994 0. 11 63 0.02369 42.2 187 0.20369 4.9095 18.8765 38449
14 10. 1472 0.0985 0.0 1968 50.8 180 0.19968 5.008 1 20.1 576 4.0250
15 11 .9737 0.0835 0.0 1640 60.9653 0. 19640 5.09 16 21.3269 4. 1887
16 14. 1290 0.0708 0.0 137 1 72.9390 0. 1937 1 5. 1624 22.3885 4.3369
17 16.6722 0.0600 0.0 1149 87 0680 0. 19 149 5.2223 23.3482 4.4708
18 19.6733 0.0508 0.00964 103.7403 0. 18964 5.2732 24.2 123 4.5916
19 23.2 144 0.043 1 0.008 10 123.4 135 0. 188 10 5.3 162 24.9877 4.7003
20 27.3930 0.0365 0.00682 146.6280 0.18682 5.3527 25.68 13 4.7978
22 38. 142 1 0.0262 0.00485 206.3448 0. 18485 5.4099 26.8506 4.9632
24 53. 1090 0.0 188 0.00345 289.4945 0.1834,5 5.4509 27.7725 5.0950
26 73.9490 0.0135 0.00247 405.272 1 0. 18247 5.4804 28.4935 5. 199 1
28 102.9666 0.0097 0.00 177 566.4809 0. 18177 5.50 16 29.0537 5.28 10
30 143.3706 0.0070 0.00 126 790.9480 0.18126 5.5 168 29.4864 5.3448
32 199.6293 0.0050 0.0009 1 1103.50 0. 1809 1 5.5277 29.8 19 1 5.3945
34 277.9638 0.0036 0.00065 1538.69 0. 18065 5.5356 30.0736 5.4328
35 327.9973 0.0030 0.00055 18 16.65 0.18055 5.5386 30.1773 5.4485
36 387.0368 0.0026 0.00047 2 144.65 0.18047 5.54 12 30.2677 5.4623
38 538.9 100 0.00 19 0.00033 2988.39 0.18033 5.5452 30.4 152 5.4849
40 750.3783 0.00 13 0.00024 4 163.21 0. 18024 5.5482 30.5269 5.5022
45 17 16.68 0.0006 0.000 10 953 1.58 0.1 80 10 5.5523 30.7006 5.5293
50 3927.36 0.0003 0.00005 2 1813 0. 18005 5.554 1 30.7856 5.5428
55 8984.84 0.000 1 0.00002 499 10 0.1 8002 5.5549 30.8268 5.5494
60 20555 11 4 190 0.1 8001 5.5553 30.8465 5.5526
748 Compound Interest Factor Tables

20%
. TABLE 22 Discrete Cash Flow: Compound Interest Factors 20%
Sing le Payment s Uniform Series Payments Arithme t ic Gradie nts
Com po u nd Present Sinking Compound Capital Present Grad ient Grad ient
Amount Worth Fund Amo unt Recovery Worth Present Wo rth Unifo rm Se ries
n F/ P P/ F A/ F F/ A A/ P PI A PI G A/ G
1 1.2000 0. 8333 1.00000 1.0000 1.20000 0.8333
2 1.4400 0.6944 0.45455 2.2000 0.65455 1.5278 0.6944 0.4545
3 l.7280 0 .5787 0 .27473 3.6400 0.47473 2.1065 1.8519 0.879 1
4 2.0736 0.4823 0. 18629 5.3680 0.38629 2.5887 3.2986 1.2742
5 2.4883 0.40 19 0. 13438 7.44 16 0.33438 2.9906 4.9061 1.6405
6 2.9860 0.3349 0. 1007 1 9.9299 0.30071 3.3255 6.5806 1.9788
7 3.5832 0.279 1 0.07742 12.9159 0.27742 3.6046 8.255 1 2.2902
8 4.2998 0.2326 0.0606 1 16.4991 0.26061 3.8372 9.8831 2.5756
9 5. 1598 0. 1938 0.04808 20.7989 0.24808 4.03 10 11.4335 2.8364
10 6. 19 17 0. 16 15 0.03852 25.9587 0.23852 4.1925 12.8871 3.0739
11 7.4301 0. 1346 0.03JJO 32. 1504 0.23110 4.3271 14.2330 3.2893
12 8.9 16 1 0. 11 22 0.02526 39.5805 0.22526 4.4392 15.4667 3.484 1
'i3 106993 0.0935 0.02062 48.4966 0 .22062 4.5327 16.5883 3.6597
14 12.8392 0.0779 0.01689 59. 1959 0.21689 4.6106 17.6008 3.8175
15 15.4070 0.0649 0.01388 72.0351 0.21388 4.6755 18.5095 3.9588
16 18.4884 0.054 1 0.0 1144 87.4421 0.21 144 4.7296 19.3208 4.085 1
17 22.1 86 1 0.045 1 0.00944 105.9306 0.20944 4.7746 20.0419 4. 1976
18 26.6233 0.0376 0.00781 128.1167 0.2078 1 4.8 122 20.6805 4.2975
19 3 1.9480 0.03 13 0.00646 154.7400 0.20646 4.8435 21.2439 4.386 1
20 38 .3376 0.026 1 0.00536 186.6880 0.20536 4.8696 21.7395 4.4643
22 55.206 1 0.0 18 1 0.00369 271.0307 0.20369 4.9094 22.5546 4.5941
24 79.4968 0.0 126 0.00255 392.4842 0.20255 4.9371 23.1760 4.6943
26 114.4755 0.0087 0.00176 567.3773 0.20176 4.9563 23.6460 4.7709
28 164.8447 0.006 1 0.00122 819.2233 0.20122 4.9697 23.999l 4.829 1
30 237.3763 0.0042 0.00085 11 81.88 0.20085 4.9789 24.2628 4.873 1
32 34 1.8219 0.0029 0.00059 1704.11 0.20059 4.9854 24.4588 4.9061
34 492.2235 0.0020 0.0004 1 2456. 12 0.2004 1 4.9898 24.6038 4.9308
35 590.6682 0.00 17 0.00034 2948.34 0.20034 4.99 15 24.6614 4.9406
36 708 .8019 0.00 14 0.00028 3539.0 1 0.20028 4.9929 24.7108 4.949 1
38 1020.67 0.00 10 0.00020 5098.37 0.20020 4.995 1 24.7894 4.9627
40 1469.77 0.0007 0.000 14 7343.86 0.200 14 4.9966 24.8469 4.9728
45 3657.26 0.0003 0.00005 1828 1 0.20005 4.9986 24.9316 4.9877
50 9100.44 0.000 1 000002 45497 0.20002 4.9995 24.9698 4.9945
55 22645 0.00001 0.20001 4.9998 24.9868 4.9976
 Compound Interest Factor Tables 749

22% TABLE 23 Discrete Cash Flow: Compound Interest Factors 22%

Singl e Payme nts Uniform Series Pa yme nts Arithmetic Gradie nts
Compound Present Sinking Comp ound Ca p ita l Pre sent Gradient Gradie nt
Amount Worth Fund Am o unt Re covery Worth Pre sent Worth Unifo rm Se ries
n FI P PI F AI F FIA Al P PIA PIG AIG
I 1.2200 0.8 197 1.00000 1.0000 1.22000 0.8 197
2 1.4884 0.67 19 0.45045 2.2200 0.67045 1.4915 0.6719 0.4505
3 1.8158 0.5507 0.26966 3.7084 0.48966 2.0422 1.7733 0.8683
4 2.2 153 0.45 14 0. 18102 5.5242 0.40102 2.4936 3. 1275 1.2542
5 2.7027 0.3700 0.12921 7.7396 0.34921 2.8636 4.6075 1.6090
6 3.2973 0.3033 0.09576 10.4423 0. 31576 3.1669 6. 1239 1.9337
7 4.0227 0.2486 0.07278 13.7396 0.29278 3.4155 7.6154 2.2297
8 4.9077 0.2038 0.05630 17.7623 0.27630 3.6 193 9.04 17 2.4982
9 5.9874 0. 1670 0.044 11 22.6700 0.264 11 3.7863 10.3779 2.7409
IO 7.3046 0. 1369 0.03489 28.6574 0.25489 3.9232 11.6100 2.9593
II 8.9 11 7 0. 11 22 0.02781 35.9620 0.24781 4.0354 12.7321 3.1551
12 10.8722 0.0920 0.02228 44.8737 0.24228 4. 1274 13.7438 3.3299
13 13.264 1 0.0754 0.01794 55.7459 0.23794 4.2028 14.6485 3.4855
14 16. 1822 0.06 18 0.01449 69.0 100 0.23449 4.2646 15.45J9 3.6233
15 19.7423 0.0507 0.01174 85. 1922 0.23 174 4.3 152 16. 1610 3.745 1
16 24.0856 0.04 15 0.00953 104.9345 0.22953 4.3567 16.7838 3.8524
17 29.3844 0.0340 0.00775 129 .020 1 0.22775 4.3908 17.3283 3.9465
18 35.8490 0.0279 0.0063 1 158.4045 0.2263 1 4.4187 17.8025 4.0289
19 43.7358 0.0229 0.005 15 194.2535 0.225 15 4.44 15 18.2 14 1 4.1009
20 53 .3576 0.0 187 0.00420 237.9893 0.22420 4.4603 18.5702 4.1635
22 79.4 175 0.0 126 0.00281 356.4432 0.22281 4.4882 19.14 18 4.2649
24 11 8.2050 0.0085 0.00 188 532.750 1 0.22 188 4.5070 19.5635 4.3407
26 175.9364 0.0057 0.00126 795. 1653 0.22126 4.5 196 19.8720 4.3968
28 261.8637 0.0038 0.00084 11 85.74 0.22084 4.528 1 20.0962 4.438 1
30 389.7579 0.0026 0.00057 1767.08 0.22057 4.5338 20.2583 4.4683
32 580. 11 56 0.00 17 0.00038 2632.34 0.22038 4.5376 20.3748 4.4902
34 863.444 1 0.00 12 0.00026 3920.20 0.22026 4.5402 20.4582 4.5060
35 1053.40 0.0009 0.0002 1 4783.64 0.2202 1 4.5411 20.4905 4.5122
36 1285.15 0.0008 0.00017 5837.05 0.220 17 4.54 19 20.5 178 4.5174
38 19 12.82 0.0005 000012 8690.08 0.22012 4.5431 20.560 J 4.5256
40 2847.04 0.0004 0.00008 12937 0.22008 4.5439 20.5900 4.5314
45 7694.7 1 0.000 1 0.00003 34971 0.22003 4.5449 20.6319 4.5396
50 20797 0.0000 1 94525 0.22001 4.5452 20.6492 4.5431
55 56207 0.22000 4.5454 20.6563 4.5445
750 Compound Interest Factor Tables

24% TABL E 24 Discrete Cash Flow: Compound Interest Factors 24%

Single Payme nts Uniform Series Payments Arithmetic Gradients

Compound Prese nt Sinking Compound Capital Present Gradient Gradient

Amou nt Worth Fund Amount Recovery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/ P PIA PIG A/ G
I 1.2400 0.8065 1.00000 1.0000 1.24000 0.8065
2 1.5376 0.6504 0.44643 2.2400 0.68643 1.4568 0.6504 0.4464
3 1.9066 0.5245 0.26472 3.7776 0.50472 1.98 13 1.6993 0.8577
4 2.3642 0.4230 0. 17593 5.6842 0.41593 2.4043 2.9683 1.2346
5 2.93 16 0.34 11 0.12425 8.0484 0.36425 2.7454 4.3327 1.5782
6 3.6352 0.275 1 0.09 107 10.980 1 0.33107 3.0205 5.708 1 1.8898
7 4.5077 0.22 18 0.06842 14.6 153 0.30842 3.2423 7.0392 2. 17 10
8 5.5895 0.1789 0.05229 19. 1229 0.29229 3.42 12 8.29 15 2.4236
9 6.93 10 0. 1443 0.04047 24.71 25 0.28047 3.5655 9.4458 2.6492
10 8.5944 0.1164 0.03 160 3 1.6434 0.27 160 3.68 19 10.4930 2.8499
II 10.657 1 0.0938 0.02485 40.2379 0.26485 3.7757 11 .43 13 3.0276
12 13.2 148 0.0757 0.0 1965 50.8950 0.25965 3.85 14 12.2637 3. 1843
13 16.3863 0.06 10 0.0 1560 64. 1097 0.25 560 3.9 124 12.9960 3.32 18
14 20.319 1 0.0492 0.0 1242 80.496 1 0.25242 3.96 16 13.6358 3.4420
15 25. 1956 0.0397 0.00992 100.8 15 1 0.24992 4.00 13 14.1 9 15 3.5467
16 3 1.2426 0.0320 0.00794 126.0 I08 0.24794 4.0333 /4.67 16 3.6376
17 38.7408 0.0258 0.00636 157.2534 0.24636 4.059 1 15.0846 3.7 162
18 48.0386 0.0208 0.005 10 195.9942 0.24510 4.0799 15.4385 3.7840
19 59.5679 0.0168 0.00410 244.0328 0.244 10 4.0967 15.7406 3.8423
20 73.864 1 0.0135 0.00329 303.6006 0.24329 4. 1103 15.9979 3.8922
22 11 3.5735 0.0088 0.002 13 469.0563 0.242 13 4. 1300 16.40 11 3.97 12
24 174.6306 0.0057 0.00138 723.46 10 0.24 138 4. 1428 16.689 1 4.0284
26 268.5 121 0.0037 0.00090 111 4.63 0.24090 4. 15 11 16.8930 4.0695
28 4 12.8642 0.0024 0.00058 17 16.10 0.24058 4.1566 17.0365 4.0987
30 634.8 199 0.00 16 0.00038 2640.92 0.24038 4.1601 17. 1369 4. 11 93
32 976.0991 0.00 10 0.00025 4062.91 0.24025 4. 1624 17.2067 4.1 338
34 1500.85 0.0007 0.00016 6249.38 0.24016 4. 1639 17.2552 4.1440
35 186 1.05 0.0005 0.0001 3 7750.23 0.2401 3 4. 1664 17.2734 4. 1479
36 2307.7 1 0.0004 0.00010 96 11.28 0.24010 4. 1649 17.2886 4. 15 11
38 3548.33 0.0003 0.00007 14781 0.24007 4. 1655 17.3 116 4. 1560
40 5455.9 1 0.0002 0.00004 22729 0.24004 4. 1659 17.3274 4. 1593
45 15995 0.0001 0.00002 66640 0.24002 4. 1664 17.3483 4. 1639
50 46890 0.0000 1 0.2400 1 4. 1666 17.3563 4. 1653
55 0.24000 4. 1666 17.3593 4. 1663
 Compound Interest Factor Tables 751

25% TAB LE 25 Discrete Cash Flow: Compound Interest Factors 25%

Single Payme nts Uniform Series Payments Arithmetic Gradients

Compound Present Sinking Compound Capital Present Gradient Gradient

Amount Worth Fund Amount Recovery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/ P PIA PI G A/ G

I 1.2500 0.8000 l. 00000 1.0000 1.25000 08000

2 1.5625 0.6400 0.44444 2.2500 0.69444 14400 0.6400 0.4444
3 1.953 1 0.51.20 0.26230 3.8 125 0.5 1230 1.9520 1.6640 0.8525
4 2.44 14 0.4096 0.17344 5.7656 0.42344 2.36 16 2.8928 1.2249
5 3.05 18 0.3277 0.12 185 8.2070 0.37 185 2.6893 4.2035 1.563 1
6 3.8 147 0.262 1 0.08882 11 .2588 0.33882 2.95 14 5.5 142 1.8683
7 4.7684 0.2097 0.06634 15.0735 0.3 1634 3. 1611 6.7725 2. 1424
8 5.9605 0. 1678 0.05040 19.84 19 0.30040 3.3289 7.9469 2.3872
9 7.4506 0.1 342 0.03876 25.8023 0.28876 3.4631 9.0207 2.6048
10 9.3 132 0. 1074 0.03007 33.2529 0.28007 3.5705 9.9870 2.797 1
II 11.64 15 0.0859 0.02349 42.5661 0.27349 3.6564 10.8460 2.9663
12 14.55 19 0.0687 0.0 1845 54.2077 0.26845 3.7251 11. 6020 3.1145
13 18.1. 899 0.0550 0.0 1454 68.7596 0.26454 3.7801 12.2617 3.2437
14 22.7374 0.0440 0.0 11 50 86.9495 0.26 150 3.8241 12.8334 3.3559
15 28.42 17 0.0352 0.009 1. 2 109.6868 0.259 1. 2 3.8593 13.3260 3.4530
16 35.527 1 0.028 1 0.00724 138. 1085 0.25724 3.8874 13.7482 3.5 366
17 44.4089 0.0225 0.00576 173.6357 0.25576 3.9099 14.1085 3.6084
18 55 .5 112 0.0 180 0.00459 2 18.0446 0.25459 3.9279 14.4 147 3.6698
19 69.3889 0.0 144 0.00366 273.5558 0.25 366 3.9424 14.674 1 3.7222
20 86. 7362 0.0 11 5 0.00292 342.9447 0.25292 3.9539 14.8932 3.7667
22 135.5253 0.0074 0.00 186 538. 101 1 0.25 186 3.9705 15.2326 3.8365
24 2 11.7582 0.0047 0.00 11 9 843.0329 0.25 11 9 3.98 11 15.47 11 3.8861
26 330.8722 0.0030 0.00076 13 19.49 0.25076 3.9879 15.6373 3.9212
28 5 16.9879 0.00 19 0.00048 2063.95 0.25048 3.9923 15.7524 3.945 7
30 807.7936 0.00 12 0.0003 1 3227. 17 0.2503 1 3.9950 15.83 16 3.9628
32 1262. 18 0.0008 0.00020 5044.7 1 0.25020 3.9968 15.8859 3.9746
34 1. 972. 15 0.0005 0.000 13 7884.6 1 0.250 13 3.9980 15.9229 3.9828
35 2465. 19 0.0004 0.00010 9856.76 .025010 3.9984 15.9367 3.9858
36 308 1.49 0.0003 0.00008 12322 0.25008 3.9987 15.948 1 3.9883
38 48 14.82 0.0002 0.00005 19255 0.25005 3.9992 15.9651 3.9921
40 7523. 16 0.000 1 0.00003 30089 0.25003 3.9995 15.9766 3.9947
45 22959 0.00001 9 183 1 0.25001 3.9998 15.99 15 3.9980
50 70065 0.25000 3.9999 15.9969 3.9993
55 0.25000 4.0000 15.9989 3.9997
752 Compo und Interest Factor Tables

30% TABLE 26 Discrete Cash Flow: Compound Interest Factors 30%

Single Payments Uniform Series Payments Arithmetic Gradients
Compound Present Sinking Compound Capital Present Gradient Gradient
Amount Worth Fund Amount Recovery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/ P PI A PI G A/ G
I 1.3000 0.7692 1.00000 1.0000 1.30000 0.7692
2 1.6900 0.5917 0.43478 2.3000 0.73478 1. 3609 0.5917 0.4348
3 2. 1970 0.4552 0.25063 3.9900 0.55063 1.8161 1.5020 08271
4 2.856 1 0.350 1 0.16163 6.1870 0.46163 2. 1662 2.5524 I 1783
5 3.7 129 0.269 3 0.11058 9.043 1 0.41058 2.4356 3.6297 1.4903
6 4.8268 0.2072 0.07839 12.7560 0.37839 2.6427 4.6656 1.7654
7 6.2749 0.1 594 0.05687 17.5828 0.35687 2.8021 5.6218 2.0063
8 8. 1573 0. 1226 0.041 92 23.8577 0.34192 2.9247 6.4800 2.2 156
9 10.6045 0.0943 0.03 124 32.0 150 0.33124 3.0 190 7.2343 2.3963
10 13.7858 0.0725 0.02346 42.6 195 0. 32346 3.0915 7.8872 2.55 12
II 17.92 16 0.0558 0.01773 56.4053 0.31773 3. 1473 8.4452 2.6833
12 23.298 1 0.0429 0.01345 74.3270 0.31345 3. 1903 8.9173 2.7952
13 30.2875 0.0330 0.01024 97.6250 0. 3 1024 3.2233 9.3135 2.8895
14 39.3738 0.0254 0.00782 127.9 125 0. 30782 3.2487 9.6437 2.9685
15 5 1.1859 0.0 195 0.00598 167 .2863 0.30598 3.2682 9.9172 3.0344
16 66.54 17 0.0 150 0.00458 2 18.4722 0.3045 8 3.2832 10.1426 3.0892
17 86.5042 0.0116 0.00351 285.0 139 0.3035 1 3.2948 10.3276 3.1345
18 11 2.4554 0.0089 0.00269 371.5 180 0.30269 3.3037 10.4788 3. 17 18
19 146.1 920 0.0068 0.00207 483.9734 0.30207 3.3 105 10.60 19 3.2025
20 190.0496 0.005 3 0.00159 630.1655 0.30159 3.3 158 10.7019 3.2275
22 32 1.1 839 0.003 1 0.00094 1067.28 0.30094 3.3230 10.8482 3.2646
24 542. 8008 0.00 18 0.00055 1806.00 0.30055 3.3272 10.9433 3.2890
25 705 .64 10 0.00 14 0.00043 2348.80 0.30043 3.3286 10.9773 3.2979
26 9 17. 3333 0.001 1 0.00033 3054.44 0.30033 3.3297 11.0045 3.3050
28 1550.29 0.0006 0.00019 5164.3 1 0.30019 3.33 12 11.0437 3.3 153
30 2620.00 0.0004 0.00011 8729 .99 0.30011 3.332 1 110687 3.32 19
32 4427.79 0.0002 0.00007 14756 0.30007 3.3326 11.0845 3.326 1
34 7482.97 0.000 1 0.00004 24940 0. 30004 3.3329 11.0945 3.328 8
35 9727. 86 0.000 1 0.00003 32423 0.30003 3.3330 110980 3. 3297
 Compound Interest Factor Tab les 753

35% TABLE 27 Discrete Cash Flow: Compound Interest Factors 35%

Single Payments Uniform Series Payments Arithmetic Gradients

Compound Present Sinking Compound Capital Present Gradient Gradient

Amount Worth Fund Amount Recovery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/ P PIA PI G A/ G

I 1.3500 0. 7407 1.00000 1.0000 1.35000 0.7407

2 1.8225 0.5487 0.42553 2.3500 0.775 53 1.2894 0.5487 0.4255
3 2.4604 0.4064 0.23966 4. 1725 0.58966 1.6959 1.3616 0. 8029
4 3.32 15 0 .30 11 0. 15076 6.6329 0.50076 1.9969 2.2648 1. 134 1
5 4.4840 0. 2230 0.10046 9.9544 0.45046 2.2200 3.1568 1.4220
6 6.0534 0. 1652 0.06926 14.4384 0.41926 2.3852 3.9828 1.6698
7 8. 1722 0. 1224 0.04880 20.49 19 0. 39880 2.5075 4.7170 1.88 11
8 11 .0324 0.0906 0.03489 28.6640 0.38489 2.5982 5.35 15 2.0597
9 14.8937 0.0671 0.02519 39.6964 0. 37519 2.6653 5.8886 2.2094
10 20. 1066 0.0497 0.0 1832 54.5902 0.36832 2.7 150 6.3363 2.3338
II 27. 1439 0.0368 0.0 1339 74.6967 0.36339 2.75 19 6.7047 2.4364
12 36.6442 0.0273 0.00982 101. 8406 0.35982 2.7792 7.0049 2.5205
13 49.4697 0.0202 0.00722 138.4848 0. 35722 2.7994 7.2474 25889
14 66.784 1 0.01 50 0.00532 187 .9544 0.35532 2.8 144 7.442 1 2.6443
15 90. 1585 0.0 111 0.00393 254.7385 0.35393 2.8255 7.5974 2.6889
16 12 1.7 139 0.0082 0.00290 344.8970 0.35290 2.8337 7.7206 2.7246
17 164. 3 138 0.006 1 0.00214 466.6 109 0.352 14 2.8398 7.8 180 2.7530
18 22 1.8236 0.0045 0.00 158 630.9247 0.35 158 2.8443 7.8946 2.7756
19 299.46 19 0.0033 0.001 17 852.7483 0.35117 2.8476 7.9547 2.7935
20 404.2736 0.0025 0.00087 11 52.2 1 0.35087 2.8501 8.00 17 2.8075
22 736.7886 0.00 14 0.00048 2 102.25 0.35048 2.8533 8.0669 2.8272
24 1342.80 0.0007 0.00026 3833.7 1 0.35026 2.8550 8. L061 2.8393
25 18 12.78 0.0006 0.000 19 5 176.50 0.350 19 2.8556 8. 1194 2.8433
26 2447 .25 0.0004 0.000 14 6989.28 0.350 14 2.8560 8. 1296 2.8465
28 4460. 11 0.0002 0.00008 12740 0.35008 2.8565 8. 1435 2.8509
30 8 128.55 0.000 1 0.00004 23222 0.35004 2.8568 8. 1517 2.85 35
32 148 14 0.000 1 0.00002 42324 0.35002 2.8569 8. 1565 2.8550
34 26999 0.0000 1 77 137 0. 3500 1 2.8570 8. 1594 2.8559
35 36449 0.0000 1 0. 3500 1 2.857 1 8. 1603 2.8562
754 Compound In terest Factor Tables

40% TABLE 28 Discrete Cash Flow : Compound Interest Factors 40%

Single Payments Uniform Series Payments Arithmetic Gradients

Compound Present Sin king Compound Capital Present Gradient Gradient

Amount Worth Fund Amount Recovery Worth Present Worth Uniform Series
n F/ P P/ F A/ F F/ A A/ P PI A PI G A/ G
I 1.4000 0.7 143 1.00000 1.0000 1.40000 0.7143
2 1.9600 0.5 102 0.4 1667 2.4000 0.8 1667 1.2245 0.5 102 0.4 167
3 2.7440 0. 3644 0.22936 4.3600 0.62936 1.5889 1.239 1 0.7798
4 3.84 16 0.2603 0. 14077 7. 1040 0.54077 1.8492 2.0200 1.0923
5 5.3782 0. 1859 0.09 [36 10.9456 0.49 136 2.0352 2.7637 1.3580
6 7.5295 0. 1328 0.06126 16.3238 0.46 126 2. 1680 3.4278 1.58 11
7 10.54 14 0.0949 0.041 92 23.8534 0.44 192 2.2628 3.9970 1.7664
8 14.7579 0.0678 0.02907 34.3947 0.42907 2.3306 4.471 3 1.9 185
9 20.66 10 0.0484 0.02034 49. 1526 0.42034 2.3790 4.8585 2.0422
10 28.9255 0.0346 0.0 1432 69.8137 0.4 1432 2.4 136 5.1696 2. 14 19
II 40.4957 0.0247 0.010 13 98.739 1 0.4 1013 2.4383 5.4 166 2.22 15
12 56.6939 0.0 176 0.007 18 139.2348 0.40718 2.4559 5.6106 2.2845
13 79.37 15 0.0 126 0.005 10 195.9287 0.40510 2.4685 5.761 8 2.334 1
14 111.1 20 1 0.0090 0.00363 275.3002 0.40363 2.4775 5.8788 2.3729
15 /55.568 1 0.0064 0.00259 386.4202 0.40259 2.4839 5.9688 2.4030
16 2 17.7953 0.0046 0.001 85 54 1.9883 0.40 ]85 2.4885 6.0376 2.4262
17 304.9 135 0.0033 0.00 132 759.7837 0.40132 2.49 18 6.090 1 2.444 1
18 426.8789 0.0023 0.00094 1064.70 0.40094 2.494 1 6. 1299 2.4577
19 597.6304 0.00 17 0.00067 149 1.58 0.40067 2.4958 6. 1601 2.4682
20 836.6826 0.00 12 0.00048 2089.2 1 0.40048 2.4970 6. 1828 2.476 1
22 1639.90 0.0006 0.00024 4097 .24 0.40024 2.4985 6.2127 2.4866
24 32 14.20 0.0003 0.000 12 8033.00 0.40012 2.4992 6.2294 2.4925
25 4499.88 0.0002 0.00009 11247 0.40009 2.4994 6.2347 2.4944
26 6299.83 0.0002 0.00006 15747 0.40006 2.4996 6.2387 2.4959
28 12348 0.000 1 0.00003 30867 0.40003 2.4998 6.2438 2.4977
30 2420 1 0.00002 6050 1 0.40002 2.4999 6.2466 2.4988
32 47435 0.0000 1 0.4000 1 2.4999 6.2482 2.4993
34 92972 0.40000 2.5000 6.2490 2.4996
35 0.40000 2.5000 6.2493 2.4997
 Compound Interest Facto r Tables 755

50% TABLE 29 Discrete Cash Flow: Compound Interest Factors 50%

Single Payments Uniform Series Payments Arithme tic Gradie nts
Compound Pre sent Sinking Compound Capital Present Gradient Gra die nt
Amount Worth Fund Amount Recovery Worth Present Worth Unifo rm Se rie s
n FI P PI F A/ F F/ A Al P PIA PIG AIG
I 1.5000 0.6667 1.00000 1.0000 1. 50000 0.6667
2 2.2500 0.4444 0.40000 2.5000 0.90000 1.1 111 0.4444 0.4000
3 3.3750 0.2963 0.2 1053 4.7500 0. 7 1053 1.4074 1.0370 0.7368
4 5.0625 0. 1975 0.12308 8. 1250 0.62308 1.6049 1.6296 1.0 154
5 7.5938 0. 13 17 0.07583 13. 1875 0.57583 1.7366 2. 1564 1.24 17
6 11 .3906 0.0878 0.048 12 20.78 13 0.548 12 1.8244 2.5953 1.4226
7 17.0859 0.0585 0.03 108 32.17 19 0.53 108 1.8829 2.9465 1.5648
8 25.6289 0.0390 0.02030 49.2578 0.52030 1.9220 3.2 196 1.6752
9 38.4434 0.0260 0.01 335 74.8867 0.5 1335 1.9480 3.4277 1.7596
10 57.6650 0.0 173 0.00882 113.330 1 0.50882 1.9653 3.5838 1.8235
II 86.4976 0.0 11 6 0.00585 170.995 1 0.50585 1.9769 3.6994 1.87 13
12 129.7463 0.0077 0.00388 257.4927 0.50388 1.9846 3.7842 1.9068
13 194.6 195 0005 I 0.00258 387.2390 0.5025 8 1.9897 3.8459 1.9329
14 29 1.9293 0.0034 0.00 172 58 1.8585 0.50 172 1.993 1 3 .8904 1.95 19
15 437.8939 0.0023 0.00 11 4 873.7878 0.50 11 4 1. 9954 3.9224 1.9657
16 656.8408 0.00 15 0.00076 13 11.68 0.50076 1.9970 3.9452 1.9756
17 985.26 13 0.00 10 0.0005 1 1968.52 0.5005 1 1.9980 3.96 14 1.9827
18 1477.89 0.0007 0.00034 2953.78 0.50034 1.9986 3.9729 1.9878
19 22 16.84 0.0005 0.00023 443 1.68 0.50023 1.9991 3.98 11 1.9914
20 3325.26 0.0003 0.000 15 6648.5 1 0.500 15 1.9994 3.9868 1.9940
22 748 1.83 0.000 1 0.00007 14962 0.50007 1.9997 3.9936 1.997 1
24 16834 0.000 1 0.00003 33666 0.50003 1.9999 3.9969 1.9986
25 2525 1 0.00002 50500 0.50002 1.9999 3.9979 1.9990
26 37877 0.0000 1 75752 0.5000 1 1.9999 3.9985 1.9993
28 85223 0.0000 1 0.5000 1 2.0000 3.9993 1.9997
30 050000 20000 3.9997 1.9998
32 0.50000 2.0000 3.9998 1.9999
34 0.50000 2.0000 3.9999 2.0000
35 0.50000 2.0000 3.9999 2.0000