i

APPE N D I X C

COMPOUND INTEREST TABLES

Values of Interest Factors When n Equals Infinity

Single Payment:
(F/P, i, ) =
(P/F, i, ) = 0
Arithmetic Gradient Series:
(A/G, i, ) = 1/ i
(P/G, i, ) = 1/ i 2

Uniform Payment Series:

(A/F, i, ) = 0
(A/P, i, ) = i
(F/A, i, ) =
(P/A, i, ) = 1/ i

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
1/4%

1/4%

Compound Interest Factors

Single Payment

Uniform Payment Series

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.003
1.005
1.008
1.010
1.013

.9975
.9950
.9925
.9901
.9876

1.0000
.4994
.3325
.2491
.1990

1.0025
.5019
.3350
.2516
.2015

1.000
2.003
3.008
4.015
5.025

0.998
1.993
2.985
3.975
4.963

0.000
0.499
0.998
1.497
1.995

0.000
0.995
2.980
5.950
9.901

1
2
3
4
5

6
7
8
9
10

1.015
1.018
1.020
1.023
1.025

.9851
.9827
.9802
.9778
.9753

.1656
.1418
.1239
.1100
.0989

.1681
.1443
.1264
.1125
.1014

6.038
7.053
8.070
9.091
10.113

5.948
6.931
7.911
8.889
9.864

2.493
2.990
3.487
3.983
4.479

14.826
20.722
27.584
35.406
44.184

6
7
8
9
10

11
12
13
14
15

1.028
1.030
1.033
1.036
1.038

.9729
.9705
.9681
.9656
.9632

.0898
.0822
.0758
.0703
.0655

.0923
.0847
.0783
.0728
.0680

11.139
12.167
13.197
14.230
15.266

10.837
11.807
12.775
13.741
14.704

4.975
5.470
5.965
6.459
6.953

53.913
64.589
76.205
88.759
102.244

11
12
13
14
15

16
17
18
19
20

1.041
1.043
1.046
1.049
1.051

.9608
.9584
.9561
.9537
.9513

.0613
.0577
.0544
.0515
.0488

.0638
.0602
.0569
.0540
.0513

16.304
17.344
18.388
19.434
20.482

15.665
16.624
17.580
18.533
19.485

7.447
7.944
8.433
8.925
9.417

116.657
131.992
148.245
165.411
183.485

16
17
18
19
20

21
22
23
24
25

1.054
1.056
1.059
1.062
1.064

.9489
.9465
.9442
.9418
.9395

.0464
.0443
.0423
.0405
.0388

.0489
.0468
.0448
.0430
.0413

21.534
22.587
23.644
24.703
25.765

20.434
21.380
22.324
23.266
24.206

9.908
10.400
10.890
11.380
11.870

202.463
222.341
243.113
264.775
287.323

21
22
23
24
25

26
27
28
29
30

1.067
1.070
1.072
1.075
1.078

.9371
.9348
.9325
.9301
.9278

.0373
.0358
.0345
.0333
.0321

.0398
.0383
.0370
.0358
.0346

26.829
27.896
28.966
30.038
31.114

25.143
26.078
27.010
27.940
28.868

12.360
12.849
13.337
13.825
14.313

310.752
335.057
360.233
386.278
413.185

26
27
28
29
30

36
40
48
50
52

1.094
1.105
1.127
1.133
1.139

.9140
.9049
.8871
.8826
.8782

.0266
.0238
.0196
.0188
.0180

.0291
.0263
.0221
.0213
.0205

37.621
42.014
50.932
53.189
55.458

34.387
38.020
45.179
46.947
48.705

17.231
19.167
23.021
23.980
24.938

592.499
728.740
1 040.055
1 125.777
1 214.588

36
40
48
50
52

60
70
72
80
84

1.162
1.191
1.197
1.221
1.233

.8609
.8396
.8355
.8189
.8108

.0155
.0131
.0127
.0113
.0107

.0180
.0156
.0152
.0138
.0132

64.647
76.395
78.780
88.440
93.343

55.653
64.144
65.817
72.427
75.682

28.751
33.481
34.422
38.169
40.033

1 600.085
2 147.611
2 265.557
2 764.457
3 029.759

60
70
72
80
84

90
96
100
104
120

1.252
1.271
1.284
1.297
1.349

.7987
.7869
.7790
.7713
.7411

.00992
.00923
.00881
.00843
.00716

.0124
.0117
.0113
.0109
.00966

100.789
108.349
113.451
118.605
139.743

80.504
85.255
88.383
91.480
103.563

42.816
45.584
47.422
49.252
56.508

3 446.870
3 886.283
4 191.242
4 505.557
5 852.112

90
96
100
104
120

240
360
480

1.821
2.457
3.315

.5492
.4070
.3016

.00305
.00172
.00108

.00555
.00422
.00358

328.306
582.745
926.074

180.312
237.191
279.343

107.586
152.890
192.670

19 398.985
36 263.930
53 820.752

240
360
480

Sinking
Fund
Factor
Find A
Given F
A/F

595

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
596 APPENDIX C: COMPOUND INTEREST TABLES
1/2%

1/2%

Compound Interest Factors

Single Payment

Uniform Payment Series

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.005
1.010
1.015
1.020
1.025

.9950
.9901
.9851
.9802
.9754

1.0000
.4988
.3317
.2481
.1980

1.0050
.5038
.3367
.2531
.2030

1.000
2.005
3.015
4.030
5.050

0.995
1.985
2.970
3.951
4.926

0
0.499
0.996
1.494
1.990

0
0.991
2.959
5.903
9.803

1
2
3
4
5

6
7
8
9
10

1.030
1.036
1.041
1.046
1.051

.9705
.9657
.9609
.9561
.9513

.1646
.1407
.1228
.1089
.0978

.1696
.1457
.1278
.1139
.1028

6.076
7.106
8.141
9.182
10.228

5.896
6.862
7.823
8.779
9.730

2.486
2.980
3.474
3.967
4.459

14.660
20.448
27.178
34.825
43.389

6
7
8
9
10

11
12
13
14
15

1.056
1.062
1.067
1.072
1.078

.9466
.9419
.9372
.9326
.9279

.0887
.0811
.0746
.0691
.0644

.0937
.0861
.0796
.0741
.0694

11.279
12.336
13.397
14.464
15.537

10.677
11.619
12.556
13.489
14.417

4.950
5.441
5.931
6.419
6.907

52.855
63.218
74.465
86.590
99.574

11
12
13
14
15

16
17
18
19
20

1.083
1.088
1.094
1.099
1.105

.9233
.9187
.9141
.9096
.9051

.0602
.0565
.0532
.0503
.0477

.0652
.0615
.0582
.0553
.0527

16.614
17.697
18.786
19.880
20.979

15.340
16.259
17.173
18.082
18.987

7.394
7.880
8.366
8.850
9.334

113.427
128.125
143.668
160.037
177.237

16
17
18
19
20

21
22
23
24
25

1.110
1.116
1.122
1.127
1.133

.9006
.8961
.8916
.8872
.8828

.0453
.0431
.0411
.0393
.0377

.0503
.0481
.0461
.0443
.0427

22.084
23.194
24.310
25.432
26.559

19.888
20.784
21.676
22.563
23.446

9.817
10.300
10.781
11.261
11.741

195.245
214.070
233.680
254.088
275.273

21
22
23
24
25

26
27
28
29
30

1.138
1.144
1.150
1.156
1.161

.8784
.8740
.8697
.8653
.8610

.0361
.0347
.0334
.0321
.0310

.0411
.0397
.0384
.0371
.0360

27.692
28.830
29.975
31.124
32.280

24.324
25.198
26.068
26.933
27.794

12.220
12.698
13.175
13.651
14.127

297.233
319.955
343.439
367.672
392.640

26
27
28
29
30

36
40
48
50
52

1.197
1.221
1.270
1.283
1.296

.8356
.8191
.7871
.7793
.7716

.0254
.0226
.0185
.0177
.0169

.0304
.0276
.0235
.0227
.0219

39.336
44.159
54.098
56.645
59.218

32.871
36.172
42.580
44.143
45.690

16.962
18.836
22.544
23.463
24.378

557.564
681.341
959.928
1 035.70
1 113.82

36
40
48
50
52

60
70
72
80
84

1.349
1.418
1.432
1.490
1.520

.7414
.7053
.6983
.6710
.6577

.0143
.0120
.0116
.0102
.00961

.0193
.0170
.0166
.0152
.0146

69.770
83.566
86.409
98.068
104.074

51.726
58.939
60.340
65.802
68.453

28.007
32.468
33.351
36.848
38.576

1 448.65
1 913.65
2 012.35
2 424.65
2 640.67

60
70
72
80
84

90
96
100
104
120

1.567
1.614
1.647
1.680
1.819

.6383
.6195
.6073
.5953
.5496

.00883
.00814
.00773
.00735
.00610

.0138
.0131
.0127
.0124
.0111

113.311
122.829
129.334
135.970
163.880

72.331
76.095
78.543
80.942
90.074

41.145
43.685
45.361
47.025
53.551

2 976.08
3 324.19
3 562.80
3 806.29
4 823.52

90
96
100
104
120

240
360
480

3.310
6.023
10.957

.3021
.1660
.0913

.00216
.00100
.00050

.00716
.00600
.00550

462.041
1 004.5
1 991.5

139.581
166.792
181.748

96.113
128.324
151.795

13 415.56
21 403.32
27 588.37

240
360
480

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
3/4%

3/4%

Compound Interest Factors

Single Payment

Uniform Payment Series

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.008
1.015
1.023
1.030
1.038

.9926
.9852
.9778
.9706
.9633

1.0000
.4981
.3308
.2472
.1970

1.0075
.5056
.3383
.2547
.2045

1.000
2.008
3.023
4.045
5.076

0.993
1.978
2.956
3.926
4.889

0
0.499
0.996
1.492
1.986

0
0.987
2.943
5.857
9.712

1
2
3
4
5

6
7
8
9
10

1.046
1.054
1.062
1.070
1.078

.9562
.9490
.9420
.9350
.9280

.1636
.1397
.1218
.1078
.0967

.1711
.1472
.1293
.1153
.1042

6.114
7.160
8.213
9.275
10.344

5.846
6.795
7.737
8.672
9.600

2.479
2.971
3.462
3.951
4.440

14.494
20.187
26.785
34.265
42.619

6
7
8
9
10

11
12
13
14
15

1.086
1.094
1.102
1.110
1.119

.9211
.9142
.9074
.9007
.8940

.0876
.0800
.0735
.0680
.0632

.0951
.0875
.0810
.0755
.0707

11.422
12.508
13.602
14.704
15.814

10.521
11.435
12.342
13.243
14.137

4.927
5.412
5.897
6.380
6.862

51.831
61.889
72.779
84.491
97.005

11
12
13
14
15

16
17
18
19
20

1.127
1.135
1.144
1.153
1.161

.8873
.8807
.8742
.8676
.8612

.0591
.0554
.0521
.0492
.0465

.0666
.0629
.0596
.0567
.0540

16.932
18.059
19.195
20.339
21.491

15.024
15.905
16.779
17.647
18.508

7.343
7.822
8.300
8.777
9.253

110.318
124.410
139.273
154.891
171.254

16
17
18
19
20

21
22
23
24
25

1.170
1.179
1.188
1.196
1.205

.8548
.8484
.8421
.8358
.8296

.0441
.0420
.0400
.0382
.0365

.0516
.0495
.0475
.0457
.0440

22.653
23.823
25.001
26.189
27.385

19.363
20.211
21.053
21.889
22.719

9.727
10.201
10.673
11.143
11.613

188.352
206.170
224.695
243.924
263.834

21
22
23
24
25

26
27
28
29
30

1.214
1.224
1.233
1.242
1.251

.8234
.8173
.8112
.8052
.7992

.0350
.0336
.0322
.0310
.0298

.0425
.0411
.0397
.0385
.0373

28.591
29.805
31.029
32.261
33.503

23.542
24.360
25.171
25.976
26.775

12.081
12.548
13.014
13.479
13.942

284.421
305.672
327.576
350.122
373.302

26
27
28
29
30

36
40
48
50
52

1.309
1.348
1.431
1.453
1.475

.7641
.7416
.6986
.6882
.6780

.0243
.0215
.0174
.0166
.0158

.0318
.0290
.0249
.0241
.0233

41.153
46.447
57.521
60.395
63.312

31.447
34.447
40.185
41.567
42.928

16.696
18.507
22.070
22.949
23.822

525.038
637.519
886.899
953.911
1 022.64

36
40
48
50
52

60
70
72
80
84

1.566
1.687
1.713
1.818
1.873

.6387
.5927
.5839
.5500
.5338

.0133
.0109
.0105
.00917
.00859

.0208
.0184
.0180
.0167
.0161

75.425
91.621
95.008
109.074
116.428

48.174
54.305
55.477
59.995
62.154

27.268
31.465
32.289
35.540
37.137

1 313.59
1 708.68
1 791.33
2 132.23
2 308.22

60
70
72
80
84

90
96
100
104
120

1.959
2.049
2.111
2.175
2.451

.5104
.4881
.4737
.4597
.4079

.00782
.00715
.00675
.00638
.00517

.0153
.0147
.0143
.0139
.0127

127.881
139.858
148.147
156.687
193.517

65.275
68.259
70.175
72.035
78.942

39.496
41.812
43.332
44.834
50.653

2 578.09
2 854.04
3 040.85
3 229.60
3 998.68

90
96
100
104
120

240
360
480

6.009
14.731
36.111

.1664
.0679
.0277

.00150
.00055
.00021

.00900
.00805
.00771

667.901
1 830.8
4 681.5

111.145
124.282
129.641

85.422
107.115
119.662

9 494.26
13 312.50
15 513.16

240
360
480

Sinking
Fund
Factor
Find A
Given F
A/F

597

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
598 APPENDIX C: COMPOUND INTEREST TABLES
1%

Compound Interest Factors

Single Payment

1%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.010
1.020
1.030
1.041
1.051

.9901
.9803
.9706
.9610
.9515

1.0000
.4975
.3300
.2463
.1960

1.0100
.5075
.3400
.2563
.2060

1.000
2.010
3.030
4.060
5.101

0.990
1.970
2.941
3.902
4.853

0
0.498
0.993
1.488
1.980

0
0.980
2.921
5.804
9.610

1
2
3
4
5

6
7
8
9
10

1.062
1.072
1.083
1.094
1.105

.9420
.9327
.9235
.9143
.9053

.1625
.1386
.1207
.1067
.0956

.1725
.1486
.1307
.1167
.1056

6.152
7.214
8.286
9.369
10.462

5.795
6.728
7.652
8.566
9.471

2.471
2.960
3.448
3.934
4.418

14.320
19.917
26.381
33.695
41.843

6
7
8
9
10

11
12
13
14
15

1.116
1.127
1.138
1.149
1.161

.8963
.8874
.8787
.8700
.8613

.0865
.0788
.0724
.0669
.0621

.0965
.0888
.0824
.0769
.0721

11.567
12.682
13.809
14.947
16.097

10.368
11.255
12.134
13.004
13.865

4.900
5.381
5.861
6.338
6.814

50.806
60.568
71.112
82.422
94.481

11
12
13
14
15

16
17
18
19
20

1.173
1.184
1.196
1.208
1.220

.8528
.8444
.8360
.8277
.8195

.0579
.0543
.0510
.0481
.0454

.0679
.0643
.0610
.0581
.0554

17.258
18.430
19.615
20.811
22.019

14.718
15.562
16.398
17.226
18.046

7.289
7.761
8.232
8.702
9.169

107.273
120.783
134.995
149.895
165.465

16
17
18
19
20

21
22
23
24
25

1.232
1.245
1.257
1.270
1.282

.8114
.8034
.7954
.7876
.7798

.0430
.0409
.0389
.0371
.0354

.0530
.0509
.0489
.0471
.0454

23.239
24.472
25.716
26.973
28.243

18.857
19.660
20.456
21.243
22.023

9.635
10.100
10.563
11.024
11.483

181.694
198.565
216.065
234.179
252.892

21
22
23
24
25

26
27
28
29
30

1.295
1.308
1.321
1.335
1.348

.7720
.7644
.7568
.7493
.7419

.0339
.0324
.0311
.0299
.0287

.0439
.0424
.0411
.0399
.0387

29.526
30.821
32.129
33.450
34.785

22.795
23.560
24.316
25.066
25.808

11.941
12.397
12.852
13.304
13.756

272.195
292.069
312.504
333.486
355.001

26
27
28
29
30

36
40
48
50
52

1.431
1.489
1.612
1.645
1.678

.6989
.6717
.6203
.6080
.5961

.0232
.0205
.0163
.0155
.0148

.0332
.0305
.0263
.0255
.0248

43.077
48.886
61.223
64.463
67.769

30.107
32.835
37.974
39.196
40.394

16.428
18.178
21.598
22.436
23.269

494.620
596.854
820.144
879.417
939.916

36
40
48
50
52

60
70
72
80
84

1.817
2.007
2.047
2.217
2.307

.5504
.4983
.4885
.4511
.4335

.0122
.00993
.00955
.00822
.00765

.0222
.0199
.0196
.0182
.0177

81.670
100.676
104.710
121.671
130.672

44.955
50.168
51.150
54.888
56.648

26.533
30.470
31.239
34.249
35.717

1 192.80
1 528.64
1 597.86
1 879.87
2 023.31

60
70
72
80
84

90
96
100
104
120

2.449
2.599
2.705
2.815
3.300

.4084
.3847
.3697
.3553
.3030

.00690
.00625
.00587
.00551
.00435

.0169
.0163
.0159
.0155
.0143

144.863
159.927
170.481
181.464
230.039

59.161
61.528
63.029
64.471
69.701

37.872
39.973
41.343
42.688
47.835

2 240.56
2 459.42
2 605.77
2 752.17
3 334.11

90
96
100
104
120

240
360
480

10.893
35.950
118.648

.0918
.0278
.00843

.00101
.00029
.00008

.0110
.0103
.0101

989.254
3 495.0
11 764.8

90.819
97.218
99.157

75.739
89.699
95.920

6 878.59
8 720.43
9 511.15

240
360
480

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient
Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
11/4%

11/4%

Compound Interest Factors

Single Payment

Uniform Payment Series

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.013
1.025
1.038
1.051
1.064

.9877
.9755
.9634
.9515
.9398

1.0000
.4969
.3292
.2454
.1951

1.0125
.5094
.3417
.2579
.2076

1.000
2.013
3.038
4.076
5.127

0.988
1.963
2.927
3.878
4.818

0
0.497
0.992
1.485
1.976

0
0.976
2.904
5.759
9.518

1
2
3
4
5

6
7
8
9
10

1.077
1.091
1.104
1.118
1.132

.9282
.9167
.9054
.8942
.8832

.1615
.1376
.1196
.1057
.0945

.1740
.1501
.1321
.1182
.1070

6.191
7.268
8.359
9.463
10.582

5.746
6.663
7.568
8.462
9.346

2.464
2.951
3.435
3.918
4.398

14.160
19.660
25.998
33.152
41.101

6
7
8
9
10

11
12
13
14
15

1.146
1.161
1.175
1.190
1.205

.8723
.8615
.8509
.8404
.8300

.0854
.0778
.0713
.0658
.0610

.0979
.0903
.0838
.0783
.0735

11.714
12.860
14.021
15.196
16.386

10.218
11.079
11.930
12.771
13.601

4.876
5.352
5.827
6.299
6.769

49.825
59.302
69.513
80.438
92.058

11
12
13
14
15

16
17
18
19
20

1.220
1.235
1.251
1.266
1.282

.8197
.8096
.7996
.7898
.7800

.0568
.0532
.0499
.0470
.0443

.0693
.0657
.0624
.0595
.0568

17.591
18.811
20.046
21.297
22.563

14.420
15.230
16.030
16.849
17.599

7.237
7.702
8.166
8.628
9.088

104.355
117.309
130.903
145.119
159.940

16
17
18
19
20

21
22
23
24
25

1.298
1.314
1.331
1.347
1.364

.7704
.7609
.7515
.7422
.7330

.0419
.0398
.0378
.0360
.0343

.0544
.0523
.0503
.0485
.0468

23.845
25.143
26.458
27.788
29.136

18.370
19.131
19.882
20.624
21.357

9.545
10.001
10.455
10.906
11.355

175.348
191.327
207.859
224.930
242.523

21
22
23
24
25

26
27
28
29
30

1.381
1.399
1.416
1.434
1.452

.7240
.7150
.7062
.6975
.6889

.0328
.0314
.0300
.0288
.0277

.0453
.0439
.0425
.0413
.0402

30.500
31.881
32.280
34.696
36.129

22.081
22.796
23.503
24.200
24.889

11.803
12.248
12.691
13.133
13.572

260.623
279.215
298.284
317.814
337.792

26
27
28
29
30

36
40
48
50
52

1.564
1.644
1.845
1.861
1.908

.6394
.6084
.5509
.5373
.5242

.0222
.0194
.0153
.0145
.0138

.0347
.0319
.0278
.0270
.0263

45.116
51.490
65.229
68.882
72.628

28.847
31.327
35.932
37.013
38.068

16.164
17.852
21.130
21.930
22.722

466.297
559.247
759.248
811.692
864.960

36
40
48
50
52

60
70
72
80
84

2.107
2.386
2.446
2.701
2.839

.4746
.4191
.4088
.3702
.3522

.0113
.00902
.00864
.00735
.00680

.0238
.0215
.0211
.0198
.0193

88.575
110.873
115.675
136.120
147.130

42.035
46.470
47.293
50.387
51.822

25.809
29.492
30.205
32.983
34.326

1 084.86
1 370.47
1 428.48
1 661.89
1 778.86

60
70
72
80
84

90
96
100
104
120

3.059
3.296
3.463
3.640
4.440

.3269
.3034
.2887
.2747
.2252

.00607
.00545
.00507
.00474
.00363

.0186
.0179
.0176
.0172
.0161

164.706
183.643
197.074
211.190
275.220

53.846
55.725
56.901
58.021
61.983

36.286
38.180
39.406
40.604
45.119

1 953.85
2 127.55
2 242.26
2 355.90
2 796.59

90
96
100
104
120

240
360
480

19.716
87.543
388.713

.0507
.0114
.00257

.00067
.00014
.00003

.0132
.0126
.0125

75.942
79.086
79.794

67.177
75.840
78.762

5 101.55
5 997.91
6 284.74

240
360
480

Sinking
Fund
Factor
Find A
Given F
A/F

599

1 497.3
6 923.4
31 017.1

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
600 APPENDIX C: COMPOUND INTEREST TABLES
11/2 %

11/2 %

Compound Interest Factors

Single Payment

Uniform Payment Series

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.015
1.030
1.046
1.061
1.077

.9852
.9707
.9563
.9422
.9283

1.0000
.4963
.3284
.2444
.1941

1.0150
.5113
.3434
.2594
.2091

1.000
2.015
3.045
4.091
5.152

0.985
1.956
2.912
3.854
4.783

0
0.496
0.990
1.481
1.970

0
0.970
2.883
5.709
9.422

1
2
3
4
5

6
7
8
9
10

1.093
1.110
1.126
1.143
1.161

.9145
.9010
.8877
.8746
.8617

.1605
.1366
.1186
.1046
.0934

.1755
.1516
.1336
.1196
.1084

6.230
7.323
8.433
9.559
10.703

5.697
6.598
7.486
8.360
9.222

2.456
2.940
3.422
3.901
4.377

13.994
19.400
25.614
32.610
40.365

6
7
8
9
10

11
12
13
14
15

1.178
1.196
1.214
1.232
1.250

.8489
.8364
.8240
.8118
.7999

.0843
.0767
.0702
.0647
.0599

.0993
.0917
.0852
.0797
.0749

11.863
13.041
14.237
15.450
16.682

10.071
10.907
11.731
12.543
13.343

4.851
5.322
5.791
6.258
6.722

48.855
58.054
67.943
78.496
89.694

11
12
13
14
15

16
17
18
19
20

1.269
1.288
1.307
1.327
1.347

.7880
.7764
.7649
.7536
.7425

.0558
.0521
.0488
.0459
.0432

.0708
.0671
.0638
.0609
.0582

17.932
19.201
20.489
21.797
23.124

14.131
14.908
15.673
16.426
17.169

7.184
7.643
8.100
8.554
9.005

101.514
113.937
126.940
140.505
154.611

16
17
18
19
20

21
22
23
24
25

1.367
1.388
1.408
1.430
1.451

.7315
.7207
.7100
.6995
.6892

.0409
.0387
.0367
.0349
.0333

.0559
.0537
.0517
.0499
.0483

24.470
25.837
27.225
28.633
30.063

17.900
18.621
19.331
20.030
20.720

9.455
9.902
10.346
10.788
11.227

169.241
184.375
199.996
216.085
232.626

21
22
23
24
25

26
27
28
29
30

1.473
1.495
1.517
1.540
1.563

.6790
.6690
.6591
.6494
.6398

.0317
.0303
.0290
.0278
.0266

.0467
.0453
.0440
.0428
.0416

31.514
32.987
34.481
35.999
37.539

21.399
22.068
22.727
23.376
24.016

11.664
12.099
12.531
12.961
13.388

249.601
266.995
284.790
302.972
321.525

26
27
28
29
30

36
40
48
50
52

1.709
1.814
2.043
2.105
2.169

.5851
.5513
.4894
.4750
.4611

.0212
.0184
.0144
.0136
.0128

.0362
.0334
.0294
.0286
.0278

47.276
54.268
69.565
73.682
77.925

27.661
29.916
34.042
35.000
35.929

15.901
17.528
20.666
21.428
22.179

439.823
524.349
703.537
749.955
796.868

36
40
48
50
52

60
70
72
80
84

2.443
2.835
2.921
3.291
3.493

.4093
.3527
.3423
.3039
.2863

.0104
.00817
.00781
.00655
.00602

.0254
.0232
.0228
.0215
.0210

96.214
122.363
128.076
152.710
166.172

39.380
43.155
43.845
46.407
47.579

25.093
28.529
29.189
31.742
32.967

988.157
1 231.15
1 279.78
1 473.06
1 568.50

60
70
72
80
84

90
96
100
104
120

3.819
4.176
4.432
4.704
5.969

.2619
.2395
.2256
.2126
.1675

.00532
.00472
.00437
.00405
.00302

.0203
.0197
.0194
.0190
.0180

187.929
211.719
228.802
246.932
331.286

49.210
50.702
51.625
52.494
55.498

34.740
36.438
37.529
38.589
42.518

1 709.53
1 847.46
1 937.43
2 025.69
2 359.69

90
96
100
104
120

240
360
480

35.632
212.700
1 269.7

.0281
.00470
.00079

.00043
.00007
.00001

.0154
.0151
.0150

64.796
66.353
66.614

59.737
64.966
66.288

3 870.68
4 310.71
4 415.74

240
360
480

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

2 308.8
14 113.3
84 577.8

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
13/4%

13/4%

Compound Interest Factors

Single Payment

Uniform Payment Series

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.018
1.035
1.053
1.072
1.091

.9828
.9659
.9493
.9330
.9169

1.0000
.4957
.3276
.2435
.1931

1.0175
.5132
.3451
.2610
.2106

1.000
2.018
3.053
4.106
5.178

0.983
1.949
2.898
3.831
4.748

0
0.496
0.989
1.478
1.965

0
0.966
2.865
5.664
9.332

1
2
3
4
5

6
7
8
9
10

1.110
1.129
1.149
1.169
1.189

.9011
.8856
.8704
.8554
.8407

.1595
.1355
.1175
.1036
.0924

.1770
.1530
.1350
.1211
.1099

6.269
7.378
8.508
9.656
10.825

5.649
6.535
7.405
8.261
9.101

2.450
2.931
3.409
3.885
4.357

13.837
19.152
25.245
32.088
39.655

6
7
8
9
10

11
12
13
14
15

1.210
1.231
1.253
1.275
1.297

.8263
.8121
.7981
.7844
.7709

.0832
.0756
.0692
.0637
.0589

.1007
.0931
.0867
.0812
.0764

12.015
13.225
14.457
15.710
16.985

9.928
10.740
11.538
12.322
13.093

4.827
5.294
5.758
6.219
6.677

47.918
56.851
66.428
76.625
87.417

11
12
13
14
15

16
17
18
19
20

1.320
1.343
1.367
1.390
1.415

.7576
.7446
.7318
.7192
.7068

.0547
.0510
.0477
.0448
.0422

.0722
.0685
.0652
.0623
.0597

18.282
19.602
20.945
22.311
23.702

13.851
14.595
15.327
16.046
16.753

7.132
7.584
8.034
8.481
8.924

98.782
110.695
123.136
136.081
149.511

16
17
18
19
20

21
22
23
24
25

1.440
1.465
1.490
1.516
1.543

.6947
.6827
.6710
.6594
.6481

.0398
.0377
.0357
.0339
.0322

.0573
.0552
.0532
.0514
.0497

25.116
26.556
28.021
29.511
31.028

17.448
18.130
18.801
19.461
20.109

9.365
9.804
10.239
10.671
11.101

163.405
177.742
192.503
207.671
223.225

21
22
23
24
25

26
27
28
29
30

1.570
1.597
1.625
1.654
1.683

.6369
.6260
.6152
.6046
.5942

.0307
.0293
.0280
.0268
.0256

.0482
.0468
.0455
.0443
.0431

32.571
34.141
35.738
37.363
39.017

20.746
21.372
21.987
22.592
23.186

11.528
11.952
12.373
12.791
13.206

239.149
255.425
272.036
288.967
306.200

26
27
28
29
30

36
40
48
50
52

1.867
2.002
2.300
2.381
2.465

.5355
.4996
.4349
.4200
.4057

.0202
.0175
.0135
.0127
.0119

.0377
.0350
.0310
.0302
.0294

49.566
57.234
74.263
78.903
83.706

26.543
28.594
32.294
33.141
33.960

15.640
17.207
20.209
20.932
21.644

415.130
492.017
652.612
693.708
735.039

36
40
48
50
52

60
70
72
80
84

2.832
3.368
3.487
4.006
4.294

.3531
.2969
.2868
.2496
.2329

.00955
.00739
.00704
.00582
.00531

.0271
.0249
.0245
.0233
.0228

104.676
135.331
142.127
171.795
188.246

36.964
40.178
40.757
42.880
43.836

24.389
27.586
28.195
30.533
31.644

901.503
1 108.34
1 149.12
1 309.25
1 387.16

60
70
72
80
84

90
96
100
104
120

4.765
5.288
5.668
6.075
8.019

.2098
.1891
.1764
.1646
.1247

.00465
.00408
.00375
.00345
.00249

.0221
.0216
.0212
.0209
.0200

215.166
245.039
266.753
290.028
401.099

45.152
46.337
47.062
47.737
50.017

33.241
34.756
35.721
36.652
40.047

1 500.88
1 610.48
1 681.09
1 749.68
2 003.03

90
96
100
104
120

240
360
480

64.308
515.702
4 135.5

.0156
.00194
.00024

.00028
.00003

.0178
.0175
.0175

56.254
57.032
57.129

53.352
56.443
57.027

3 001.27
3 219.08
3 257.88

240
360
480

Sinking
Fund
Factor
Find A
Given F
A/F

601

3 617.6
29 411.5
236 259.0

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
602 APPENDIX C: COMPOUND INTEREST TABLES
2%

Compound Interest Factors

Single Payment

2%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.020
1.040
1.061
1.082
1.104

.9804
.9612
.9423
.9238
.9057

1.0000
.4951
.3268
.2426
.1922

1.0200
.5151
.3468
.2626
.2122

1.000
2.020
3.060
4.122
5.204

0.980
1.942
2.884
3.808
4.713

0
0.495
0.987
1.475
1.960

0
0.961
2.846
5.617
9.240

1
2
3
4
5

6
7
8
9
10

1.126
1.149
1.172
1.195
1.219

.8880
.8706
.8535
.8368
.8203

.1585
.1345
.1165
.1025
.0913

.1785
.1545
.1365
.1225
.1113

6.308
7.434
8.583
9.755
10.950

5.601
6.472
7.325
8.162
8.983

2.442
2.921
3.396
3.868
4.337

13.679
18.903
24.877
31.571
38.954

6
7
8
9
10

11
12
13
14
15

1.243
1.268
1.294
1.319
1.346

.8043
.7885
.7730
.7579
.7430

.0822
.0746
.0681
.0626
.0578

.1022
.0946
.0881
.0826
.0778

12.169
13.412
14.680
15.974
17.293

9.787
10.575
11.348
12.106
12.849

4.802
5.264
5.723
6.178
6.631

46.996
55.669
64.946
74.798
85.200

11
12
13
14
15

16
17
18
19
20

1.373
1.400
1.428
1.457
1.486

.7284
.7142
.7002
.6864
.6730

.0537
.0500
.0467
.0438
.0412

.0737
.0700
.0667
.0638
.0612

18.639
20.012
21.412
22.840
24.297

13.578
14.292
14.992
15.678
16.351

7.080
7.526
7.968
8.407
8.843

96.127
107.553
119.456
131.812
144.598

16
17
18
19
20

21
22
23
24
25

1.516
1.546
1.577
1.608
1.641

.6598
.6468
.6342
.6217
.6095

.0388
.0366
.0347
.0329
.0312

.0588
.0566
.0547
.0529
.0512

25.783
27.299
28.845
30.422
32.030

17.011
17.658
18.292
18.914
19.523

9.276
9.705
10.132
10.555
10.974

157.793
171.377
185.328
199.628
214.256

21
22
23
24
25

26
27
28
29
30

1.673
1.707
1.741
1.776
1.811

.5976
.5859
.5744
.5631
.5521

.0297
.0283
.0270
.0258
.0247

.0497
.0483
.0470
.0458
.0447

33.671
35.344
37.051
38.792
40.568

20.121
20.707
21.281
21.844
22.396

11.391
11.804
12.214
12.621
13.025

229.196
244.428
259.936
275.703
291.713

26
27
28
29
30

36
40
48
50
52

2.040
2.208
2.587
2.692
2.800

.4902
.4529
.3865
.3715
.3571

.0192
.0166
.0126
.0118
.0111

.0392
.0366
.0326
.0318
.0311

51.994
60.402
79.353
84.579
90.016

25.489
27.355
30.673
31.424
32.145

15.381
16.888
19.755
20.442
21.116

392.036
461.989
605.961
642.355
678.779

36
40
48
50
52

60
70
72
80
84

3.281
4.000
4.161
4.875
5.277

.3048
.2500
.2403
.2051
.1895

.00877
.00667
.00633
.00516
.00468

.0288
.0267
.0263
.0252
.0247

114.051
149.977
158.056
193.771
213.865

34.761
37.499
37.984
39.744
40.525

23.696
26.663
27.223
29.357
30.361

823.692
999.829
1 034.050
1 166.781
1 230.413

60
70
72
80
84

90
96
100
104
120

5.943
6.693
7.245
7.842
10.765

.1683
.1494
.1380
.1275
.0929

.00405
.00351
.00320
.00292
.00205

.0240
.0235
.0232
.0229
.0220

247.155
284.645
312.230
342.090
488.255

41.587
42.529
43.098
43.624
45.355

31.793
33.137
33.986
34.799
37.711

1 322.164
1 409.291
1 464.747
1 518.082
1 710.411

90
96
100
104
120

240
360
480

115.887
1 247.5
13 429.8

.00863
.00080
.00007

.00017
.00002

.0202
.0200
.0200

49.569
49.960
49.996

47.911
49.711
49.964

2 374.878
2 483.567
2 498.027

240
360
480

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

5 744.4
62 326.8
671 442.0

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
21/2 %

21/2 %

Compound Interest Factors

Single Payment

Uniform Payment Series

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.025
1.051
1.077
1.104
1.131

.9756
.9518
.9286
.9060
.8839

1.0000
.4938
.3251
.2408
.1902

1.0250
.5188
.3501
.2658
.2152

1.000
2.025
3.076
4.153
5.256

0.976
1.927
2.856
3.762
4.646

0
0.494
0.984
1.469
1.951

0
0.952
2.809
5.527
9.062

1
2
3
4
5

6
7
8
9
10

1.160
1.189
1.218
1.249
1.280

.8623
.8413
.8207
.8007
.7812

.1566
.1325
.1145
.1005
.0893

.1816
.1575
.1395
.1255
.1143

6.388
7.547
8.736
9.955
11.203

5.508
6.349
7.170
7.971
8.752

2.428
2.901
3.370
3.835
4.296

13.374
18.421
24.166
30.572
37.603

6
7
8
9
10

11
12
13
14
15

1.312
1.345
1.379
1.413
1.448

.7621
.7436
.7254
.7077
.6905

.0801
.0725
.0660
.0605
.0558

.1051
.0975
.0910
.0855
.0808

12.483
13.796
15.140
16.519
17.932

9.514
10.258
10.983
11.691
12.381

4.753
5.206
5.655
6.100
6.540

45.224
53.403
62.108
71.309
80.975

11
12
13
14
15

16
17
18
19
20

1.485
1.522
1.560
1.599
1.639

.6736
.6572
.6412
.6255
.6103

.0516
.0479
.0447
.0418
.0391

.0766
.0729
.0697
.0668
.0641

19.380
20.865
22.386
23.946
25.545

13.055
13.712
14.353
14.979
15.589

6.977
7.409
7.838
8.262
8.682

91.080
101.595
112.495
123.754
135.349

16
17
18
19
20

21
22
23
24
25

1.680
1.722
1.765
1.809
1.854

.5954
.5809
.5667
.5529
.5394

.0368
.0346
.0327
.0309
.0293

.0618
.0596
.0577
.0559
.0543

27.183
28.863
30.584
32.349
34.158

16.185
16.765
17.332
17.885
18.424

9.099
9.511
9.919
10.324
10.724

147.257
159.455
171.922
184.638
197.584

21
22
23
24
25

26
27
28
29
30

1.900
1.948
1.996
2.046
2.098

.5262
.5134
.5009
.4887
.4767

.0278
.0264
.0251
.0239
.0228

.0528
.0514
.0501
.0489
.0478

36.012
37.912
39.860
41.856
43.903

18.951
19.464
19.965
20.454
20.930

11.120
11.513
11.901
12.286
12.667

210.740
224.088
237.612
251.294
265.120

26
27
28
29
30

31
32
33
34
35

2.150
2.204
2.259
2.315
2.373

.4651
.4538
.4427
.4319
.4214

.0217
.0208
.0199
.0190
.0182

.0467
.0458
.0449
.0440
.0432

46.000
48.150
50.354
52.613
54.928

21.395
24.849
22.292
22.724
23.145

13.044
13.417
13.786
14.151
14.512

279.073
293.140
307.306
321.559
335.886

31
32
33
34
35

40
45
50
55
60

2.685
3.038
3.437
3.889
4.400

.3724
.3292
.2909
.2572
.2273

.0148
.0123
.0103
.00865
.00735

.0398
.0373
.0353
.0337
.0324

67.402
81.516
97.484
115.551
135.991

25.103
26.833
28.362
29.714
30.909

16.262
17.918
19.484
20.961
22.352

408.221
480.806
552.607
622.827
690.865

40
45
50
55
60

65
70
75
80
85

4.978
5.632
6.372
7.210
8.157

.2009
.1776
.1569
.1387
.1226

.00628
.00540
.00465
.00403
.00349

.0313
.0304
.0297
.0290
.0285

159.118
185.284
214.888
248.382
286.278

31.965
32.898
33.723
34.452
35.096

23.660
24.888
26.039
27.117
28.123

756.280
818.763
878.114
934.217
987.026

65
70
75
80
85

90
95
100

9.229
10.442
11.814

.1084
.0958
.0846

.00304
.00265
.00231

.0280
.0276
.0273

329.154
377.663
432.548

35.666
36.169
36.614

29.063
29.938
30.752

Sinking
Fund
Factor
Find A
Given F
A/F

603

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1 036.54
1 082.83
1 125.97

90
95
100

i
i

i
604 APPENDIX C: COMPOUND INTEREST TABLES
3%

Compound Interest Factors

Single Payment

3%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.030
1.061
1.093
1.126
1.159

.9709
.9426
.9151
.8885
.8626

1.0000
.4926
.3235
.2390
.1884

1.0300
.5226
.3535
.2690
.2184

1.000
2.030
3.091
4.184
5.309

0.971
1.913
2.829
3.717
4.580

0
0.493
0.980
1.463
1.941

0
0.943
2.773
5.438
8.889

1
2
3
4
5

6
7
8
9
10

1.194
1.230
1.267
1.305
1.344

.8375
.8131
.7894
.7664
.7441

.1546
.1305
.1125
.0984
.0872

.1846
.1605
.1425
.1284
.1172

6.468
7.662
8.892
10.159
11.464

5.417
6.230
7.020
7.786
8.530

2.414
2.882
3.345
3.803
4.256

13.076
17.955
23.481
29.612
36.309

6
7
8
9
10

11
12
13
14
15

1.384
1.426
1.469
1.513
1.558

.7224
.7014
.6810
.6611
.6419

.0781
.0705
.0640
.0585
.0538

.1081
.1005
.0940
.0885
.0838

12.808
14.192
15.618
17.086
18.599

9.253
9.954
10.635
11.296
11.938

4.705
5.148
5.587
6.021
6.450

43.533
51.248
59.419
68.014
77.000

11
12
13
14
15

16
17
18
19
20

1.605
1.653
1.702
1.754
1.806

.6232
.6050
.5874
.5703
.5537

.0496
.0460
.0427
.0398
.0372

.0796
.0760
.0727
.0698
.0672

20.157
21.762
23.414
25.117
26.870

12.561
13.166
13.754
14.324
14.877

6.874
7.294
7.708
8.118
8.523

86.348
96.028
106.014
116.279
126.799

16
17
18
19
20

21
22
23
24
25

1.860
1.916
1.974
2.033
2.094

.5375
.5219
.5067
.4919
.4776

.0349
.0327
.0308
.0290
.0274

.0649
.0627
.0608
.0590
.0574

28.676
30.537
32.453
34.426
36.459

15.415
15.937
16.444
16.936
17.413

8.923
9.319
9.709
10.095
10.477

137.549
148.509
159.656
170.971
182.433

21
22
23
24
25

26
27
28
29
30

2.157
2.221
2.288
2.357
2.427

.4637
.4502
.4371
.4243
.4120

.0259
.0246
.0233
.0221
.0210

.0559
.0546
.0533
.0521
.0510

38.553
40.710
42.931
45.219
47.575

17.877
18.327
18.764
19.188
19.600

10.853
11.226
11.593
11.956
12.314

194.026
205.731
217.532
229.413
241.361

26
27
28
29
30

31
32
33
34
35

2.500
2.575
2.652
2.732
2.814

.4000
.3883
.3770
.3660
.3554

.0200
.0190
.0182
.0173
.0165

.0500
.0490
.0482
.0473
.0465

50.003
52.503
55.078
57.730
60.462

20.000
20.389
20.766
21.132
21.487

12.668
13.017
13.362
13.702
14.037

253.361
265.399
277.464
289.544
301.627

31
32
33
34
35

40
45
50
55
60

3.262
3.782
4.384
5.082
5.892

.3066
.2644
.2281
.1968
.1697

.0133
.0108
.00887
.00735
.00613

.0433
.0408
.0389
.0373
.0361

75.401
92.720
112.797
136.072
163.053

23.115
24.519
25.730
26.774
27.676

15.650
17.156
18.558
19.860
21.067

361.750
420.632
477.480
531.741
583.052

40
45
50
55
60

65
70
75
80
85

6.830
7.918
9.179
10.641
12.336

.1464
.1263
.1089
.0940
.0811

.00515
.00434
.00367
.00311
.00265

.0351
.0343
.0337
.0331
.0326

194.333
230.594
272.631
321.363
377.857

28.453
29.123
29.702
30.201
30.631

22.184
23.215
24.163
25.035
25.835

631.201
676.087
717.698
756.086
791.353

65
70
75
80
85

90
95
100

14.300
16.578
19.219

.0699
.0603
.0520

.00226
.00193
.00165

.0323
.0319
.0316

443.349
519.272
607.287

31.002
31.323
31.599

26.567
27.235
27.844

823.630
853.074
879.854

90
95
100

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient
Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
31/2 %

31/2 %

Compound Interest Factors

Single Payment

Uniform Payment Series

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.035
1.071
1.109
1.148
1.188

.9662
.9335
.9019
.8714
.8420

1.0000
.4914
.3219
.2373
.1865

1.0350
.5264
.3569
.2723
.2215

1.000
2.035
3.106
4.215
5.362

0.966
1.900
2.802
3.673
4.515

0
0.491
0.977
1.457
1.931

0
0.933
2.737
5.352
8.719

1
2
3
4
5

6
7
8
9
10

1.229
1.272
1.317
1.363
1.411

.8135
.7860
.7594
.7337
.7089

.1527
.1285
.1105
.0964
.0852

.1877
.1635
.1455
.1314
.1202

6.550
7.779
9.052
10.368
11.731

5.329
6.115
6.874
7.608
8.317

2.400
2.862
3.320
3.771
4.217

12.787
17.503
22.819
28.688
35.069

6
7
8
9
10

11
12
13
14
15

1.460
1.511
1.564
1.619
1.675

.6849
.6618
.6394
.6178
.5969

.0761
.0685
.0621
.0566
.0518

.1111
.1035
.0971
.0916
.0868

13.142
14.602
16.113
17.677
19.296

9.002
9.663
10.303
10.921
11.517

4.657
5.091
5.520
5.943
6.361

41.918
49.198
56.871
64.902
73.258

11
12
13
14
15

16
17
18
19
20

1.734
1.795
1.857
1.922
1.990

.5767
.5572
.5384
.5202
.5026

.0477
.0440
.0408
.0379
.0354

.0827
.0790
.0758
.0729
.0704

20.971
22.705
24.500
26.357
28.280

12.094
12.651
13.190
13.710
14.212

6.773
7.179
7.580
7.975
8.365

81.909
90.824
99.976
109.339
118.888

16
17
18
19
20

21
22
23
24
25

2.059
2.132
2.206
2.283
2.363

.4856
.4692
.4533
.4380
.4231

.0330
.0309
.0290
.0273
.0257

.0680
.0659
.0640
.0623
.0607

30.269
32.329
34.460
36.666
38.950

14.698
15.167
15.620
16.058
16.482

8.749
9.128
9.502
9.870
10.233

128.599
138.451
148.423
158.496
168.652

21
22
23
24
25

26
27
28
29
30

2.446
2.532
2.620
2.712
2.807

.4088
.3950
.3817
.3687
.3563

.0242
.0229
.0216
.0204
.0194

.0592
.0579
.0566
.0554
.0544

41.313
43.759
46.291
48.911
51.623

16.890
17.285
17.667
18.036
18.392

10.590
10.942
11.289
11.631
11.967

178.873
189.143
199.448
209.773
220.105

26
27
28
29
30

31
32
33
34
35

2.905
3.007
3.112
3.221
3.334

.3442
.3326
.3213
.3105
.3000

.0184
.0174
.0166
.0158
.0150

.0534
.0524
.0516
.0508
.0500

54.429
57.334
60.341
63.453
66.674

18.736
19.069
19.390
19.701
20.001

12.299
12.625
12.946
13.262
13.573

230.432
240.742
251.025
261.271
271.470

31
32
33
34
35

40
45
50
55
60

3.959
4.702
5.585
6.633
7.878

.2526
.2127
.1791
.1508
.1269

.0118
.00945
.00763
.00621
.00509

.0468
.0445
.0426
.0412
.0401

84.550
105.781
130.998
160.946
196.516

21.355
22.495
23.456
24.264
24.945

15.055
16.417
17.666
18.808
19.848

321.490
369.307
414.369
456.352
495.104

40
45
50
55
60

65
70
75
80
85

9.357
11.113
13.199
15.676
18.618

.1069
.0900
.0758
.0638
.0537

.00419
.00346
.00287
.00238
.00199

.0392
.0385
.0379
.0374
.0370

238.762
288.937
348.529
419.305
503.365

25.518
26.000
26.407
26.749
27.037

20.793
21.650
22.423
23.120
23.747

530.598
562.895
592.121
618.438
642.036

65
70
75
80
85

90
95
100

22.112
26.262
31.191

.0452
.0381
.0321

.00166
.00139
.00116

.0367
.0364
.0362

603.202
721.778
862.608

27.279
27.483
27.655

24.308
24.811
25.259

663.118
681.890
698.554

90
95
100

Sinking
Fund
Factor
Find A
Given F
A/F

605

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
606 APPENDIX C: COMPOUND INTEREST TABLES
4%

Compound Interest Factors

Single Payment

4%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.040
1.082
1.125
1.170
1.217

.9615
.9246
.8890
.8548
.8219

1.0000
.4902
.3203
.2355
.1846

1.0400
.5302
.3603
.2755
.2246

1.000
2.040
3.122
4.246
5.416

0.962
1.886
2.775
3.630
4.452

0
0.490
0.974
1.451
1.922

0
0.925
2.702
5.267
8.555

1
2
3
4
5

6
7
8
9
10

1.265
1.316
1.369
1.423
1.480

.7903
.7599
.7307
.7026
.6756

.1508
.1266
.1085
.0945
.0833

.1908
.1666
.1485
.1345
.1233

6.633
7.898
9.214
10.583
12.006

5.242
6.002
6.733
7.435
8.111

2.386
2.843
3.294
3.739
4.177

12.506
17.066
22.180
27.801
33.881

6
7
8
9
10

11
12
13
14
15

1.539
1.601
1.665
1.732
1.801

.6496
.6246
.6006
.5775
.5553

.0741
.0666
.0601
.0547
.0499

.1141
.1066
.1001
.0947
.0899

13.486
15.026
16.627
18.292
20.024

8.760
9.385
9.986
10.563
11.118

4.609
5.034
5.453
5.866
6.272

40.377
47.248
54.454
61.962
69.735

11
12
13
14
15

16
17
18
19
20

1.873
1.948
2.026
2.107
2.191

.5339
.5134
.4936
.4746
.4564

.0458
.0422
.0390
.0361
.0336

.0858
.0822
.0790
.0761
.0736

21.825
23.697
25.645
27.671
29.778

11.652
12.166
12.659
13.134
13.590

6.672
7.066
7.453
7.834
8.209

77.744
85.958
94.350
102.893
111.564

16
17
18
19
20

21
22
23
24
25

2.279
2.370
2.465
2.563
2.666

.4388
.4220
.4057
.3901
.3751

.0313
.0292
.0273
.0256
.0240

.0713
.0692
.0673
.0656
.0640

31.969
34.248
36.618
39.083
41.646

14.029
14.451
14.857
15.247
15.622

8.578
8.941
9.297
9.648
9.993

120.341
129.202
138.128
147.101
156.104

21
22
23
24
25

26
27
28
29
30

2.772
2.883
2.999
3.119
3.243

.3607
.3468
.3335
.3207
.3083

.0226
.0212
.0200
.0189
.0178

.0626
.0612
.0600
.0589
.0578

44.312
47.084
49.968
52.966
56.085

15.983
16.330
16.663
16.984
17.292

10.331
10.664
10.991
11.312
11.627

165.121
174.138
183.142
192.120
201.062

26
27
28
29
30

31
32
33
34
35

3.373
3.508
3.648
3.794
3.946

.2965
.2851
.2741
.2636
.2534

.0169
.0159
.0151
.0143
.0136

.0569
.0559
.0551
.0543
.0536

59.328
62.701
66.209
69.858
73.652

17.588
17.874
18.148
18.411
18.665

11.937
12.241
12.540
12.832
13.120

209.955
218.792
227.563
236.260
244.876

31
32
33
34
35

40
45
50
55
60

4.801
5.841
7.107
8.646
10.520

.2083
.1712
.1407
.1157
.0951

.0105
.00826
.00655
.00523
.00420

.0505
.0483
.0466
.0452
.0442

95.025
121.029
152.667
191.159
237.990

19.793
20.720
21.482
22.109
22.623

14.476
15.705
16.812
17.807
18.697

286.530
325.402
361.163
393.689
422.996

40
45
50
55
60

65
70
75
80
85

12.799
15.572
18.945
23.050
28.044

.0781
.0642
.0528
.0434
.0357

.00339
.00275
.00223
.00181
.00148

.0434
.0427
.0422
.0418
.0415

294.968
364.290
448.630
551.244
676.089

23.047
23.395
23.680
23.915
24.109

19.491
20.196
20.821
21.372
21.857

449.201
472.479
493.041
511.116
526.938

65
70
75
80
85

90
95
100

34.119
41.511
50.505

.0293
.0241
.0198

.00121
.00099
.00081

.0412
.0410
.0408

827.981
1 012.8
1 237.6

24.267
24.398
24.505

22.283
22.655
22.980

540.737
552.730
563.125

90
95
100

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient
Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
41/2 %

41/2 %

Compound Interest Factors

Single Payment

Uniform Payment Series

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.045
1.092
1.141
1.193
1.246

.9569
.9157
.8763
.8386
.8025

1.0000
.4890
.3188
.2337
.1828

1.0450
.5340
.3638
.2787
.2278

1.000
2.045
3.137
4.278
5.471

0.957
1.873
2.749
3.588
4.390

0
0.489
0.971
1.445
1.912

0
0.916
2.668
5.184
8.394

1
2
3
4
5

6
7
8
9
10

1.302
1.361
1.422
1.486
1.553

.7679
.7348
.7032
.6729
.6439

.1489
.1247
.1066
.0926
.0814

.1939
.1697
.1516
.1376
.1264

6.717
8.019
9.380
10.802
12.288

5.158
5.893
6.596
7.269
7.913

2.372
2.824
3.269
3.707
4.138

12.233
16.642
21.564
26.948
32.743

6
7
8
9
10

11
12
13
14
15

1.623
1.696
1.772
1.852
1.935

.6162
.5897
.5643
.5400
.5167

.0722
.0647
.0583
.0528
.0481

.1172
.1097
.1033
.0978
.0931

13.841
15.464
17.160
18.932
20.784

8.529
9.119
9.683
10.223
10.740

4.562
4.978
5.387
5.789
6.184

38.905
45.391
52.163
59.182
66.416

11
12
13
14
15

16
17
18
19
20

2.022
2.113
2.208
2.308
2.412

.4945
.4732
.4528
.4333
.4146

.0440
.0404
.0372
.0344
.0319

.0890
.0854
.0822
.0794
.0769

22.719
24.742
26.855
29.064
31.371

11.234
11.707
12.160
12.593
13.008

6.572
6.953
7.327
7.695
8.055

73.833
81.404
89.102
96.901
104.779

16
17
18
19
20

21
22
23
24
25

2.520
2.634
2.752
2.876
3.005

.3968
.3797
.3634
.3477
.3327

.0296
.0275
.0257
.0240
.0224

.0746
.0725
.0707
.0690
.0674

33.783
36.303
38.937
41.689
44.565

13.405
13.784
14.148
14.495
14.828

8.409
8.755
9.096
9.429
9.756

112.715
120.689
128.682
136.680
144.665

21
22
23
24
25

26
27
28
29
30

3.141
3.282
3.430
3.584
3.745

.3184
.3047
.2916
.2790
.2670

.0210
.0197
.0185
.0174
.0164

.0660
.0647
.0635
.0624
.0614

47.571
50.711
53.993
57.423
61.007

15.147
15.451
15.743
16.022
16.289

10.077
10.391
10.698
10.999
11.295

152.625
160.547
168.420
176.232
183.975

26
27
28
29
30

31
32
33
34
35

3.914
4.090
4.274
4.466
4.667

.2555
.2445
.2340
.2239
.2143

.0154
.0146
.0137
.0130
.0123

.0604
.0596
.0587
.0580
.0573

64.752
68.666
72.756
77.030
81.497

16.544
16.789
17.023
17.247
17.461

11.583
11.866
12.143
12.414
12.679

191.640
199.220
206.707
214.095
221.380

31
32
33
34
35

40
45
50
55
60

5.816
7.248
9.033
11.256
14.027

.1719
.1380
.1107
.0888
.0713

.00934
.00720
.00560
.00439
.00345

.0543
.0522
.0506
.0494
.0485

107.030
138.850
178.503
227.918
289.497

18.402
19.156
19.762
20.248
20.638

13.917
15.020
15.998
16.860
17.617

256.098
287.732
316.145
341.375
363.571

40
45
50
55
60

65
70
75
80
85

17.481
21.784
27.147
33.830
42.158

.0572
.0459
.0368
.0296
.0237

.00273
.00217
.00172
.00137
.00109

.0477
.0472
.0467
.0464
.0461

366.237
461.869
581.043
729.556
914.630

20.951
21.202
21.404
21.565
21.695

18.278
18.854
19.354
19.785
20.157

382.946
399.750
414.242
426.680
437.309

65
70
75
80
85

90
95
100

52.537
65.471
81.588

.0190
.0153
.0123

.00087
.00070
.00056

.0459
.0457
.0456

21.799
21.883
21.950

20.476
20.749
20.981

446.359
454.039
460.537

90
95
100

Sinking
Fund
Factor
Find A
Given F
A/F

607

1 145.3
1 432.7
1 790.9

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
608 APPENDIX C: COMPOUND INTEREST TABLES
5%

Compound Interest Factors

Single Payment

5%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.050
1.102
1.158
1.216
1.276

.9524
.9070
.8638
.8227
.7835

1.0000
.4878
.3172
.2320
.1810

1.0500
.5378
.3672
.2820
.2310

1.000
2.050
3.152
4.310
5.526

0.952
1.859
2.723
3.546
4.329

0
0.488
0.967
1.439
1.902

0
0.907
2.635
5.103
8.237

1
2
3
4
5

6
7
8
9
10

1.340
1.407
1.477
1.551
1.629

.7462
.7107
.6768
.6446
.6139

.1470
.1228
.1047
.0907
.0795

.1970
.1728
.1547
.1407
.1295

6.802
8.142
9.549
11.027
12.578

5.076
5.786
6.463
7.108
7.722

2.358
2.805
3.244
3.676
4.099

11.968
16.232
20.970
26.127
31.652

6
7
8
9
10

11
12
13
14
15

1.710
1.796
1.886
1.980
2.079

.5847
.5568
.5303
.5051
.4810

.0704
.0628
.0565
.0510
.0463

.1204
.1128
.1065
.1010
.0963

14.207
15.917
17.713
19.599
21.579

8.306
8.863
9.394
9.899
10.380

4.514
4.922
5.321
5.713
6.097

37.499
43.624
49.988
56.553
63.288

11
12
13
14
15

16
17
18
19
20

2.183
2.292
2.407
2.527
2.653

.4581
.4363
.4155
.3957
.3769

.0423
.0387
.0355
.0327
.0302

.0923
.0887
.0855
.0827
.0802

23.657
25.840
28.132
30.539
33.066

10.838
11.274
11.690
12.085
12.462

6.474
6.842
7.203
7.557
7.903

70.159
77.140
84.204
91.327
98.488

16
17
18
19
20

21
22
23
24
25

2.786
2.925
3.072
3.225
3.386

.3589
.3419
.3256
.3101
.2953

.0280
.0260
.0241
.0225
.0210

.0780
.0760
.0741
.0725
.0710

35.719
38.505
41.430
44.502
47.727

12.821
13.163
13.489
13.799
14.094

8.242
8.573
8.897
9.214
9.524

105.667
112.846
120.008
127.140
134.227

21
22
23
24
25

26
27
28
29
30

3.556
3.733
3.920
4.116
4.322

.2812
.2678
.2551
.2429
.2314

.0196
.0183
.0171
.0160
.0151

.0696
.0683
.0671
.0660
.0651

51.113
54.669
58.402
62.323
66.439

14.375
14.643
14.898
15.141
15.372

9.827
10.122
10.411
10.694
10.969

141.258
148.222
155.110
161.912
168.622

26
27
28
29
30

31
32
33
34
35

4.538
4.765
5.003
5.253
5.516

.2204
.2099
.1999
.1904
.1813

.0141
.0133
.0125
.0118
.0111

.0641
.0633
.0625
.0618
.0611

70.761
75.299
80.063
85.067
90.320

15.593
15.803
16.003
16.193
16.374

11.238
11.501
11.757
12.006
12.250

175.233
181.739
188.135
194.416
200.580

31
32
33
34
35

40
45
50
55
60

7.040
8.985
11.467
14.636
18.679

.1420
.1113
.0872
.0683
.0535

.00828
.00626
.00478
.00367
.00283

.0583
.0563
.0548
.0537
.0528

120.799
159.699
209.347
272.711
353.582

17.159
17.774
18.256
18.633
18.929

13.377
14.364
15.223
15.966
16.606

229.545
255.314
277.914
297.510
314.343

40
45
50
55
60

65
70
75
80
85

23.840
30.426
38.832
49.561
63.254

.0419
.0329
.0258
.0202
.0158

.00219
.00170
.00132
.00103
.00080

.0522
.0517
.0513
.0510
.0508

456.795
588.525
756.649
971.222
1 245.1

19.161
19.343
19.485
19.596
19.684

17.154
17.621
18.018
18.353
18.635

328.691
340.841
351.072
359.646
366.800

65
70
75
80
85

90
95
100

80.730
103.034
131.500

.0124
.00971
.00760

.00063
.00049
.00038

.0506
.0505
.0504

1 594.6
2 040.7
2 610.0

19.752
19.806
19.848

18.871
19.069
19.234

372.749
377.677
381.749

90
95
100

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient
Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
6%

Compound Interest Factors

Single Payment

6%

Uniform Payment Series

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.060
1.124
1.191
1.262
1.338

.9434
.8900
.8396
.7921
.7473

1.0000
.4854
.3141
.2286
.1774

1.0600
.5454
.3741
.2886
.2374

1.000
2.060
3.184
4.375
5.637

0.943
1.833
2.673
3.465
4.212

0
0.485
0.961
1.427
1.884

0
0.890
2.569
4.945
7.934

1
2
3
4
5

6
7
8
9
10

1.419
1.504
1.594
1.689
1.791

.7050
.6651
.6274
.5919
.5584

.1434
.1191
.1010
.0870
.0759

.2034
.1791
.1610
.1470
.1359

6.975
8.394
9.897
11.491
13.181

4.917
5.582
6.210
6.802
7.360

2.330
2.768
3.195
3.613
4.022

11.459
15.450
19.841
24.577
29.602

6
7
8
9
10

11
12
13
14
15

1.898
2.012
2.133
2.261
2.397

.5268
.4970
.4688
.4423
.4173

.0668
.0593
.0530
.0476
.0430

.1268
.1193
.1130
.1076
.1030

14.972
16.870
18.882
21.015
23.276

7.887
8.384
8.853
9.295
9.712

4.421
4.811
5.192
5.564
5.926

34.870
40.337
45.963
51.713
57.554

11
12
13
14
15

16
17
18
19
20

2.540
2.693
2.854
3.026
3.207

.3936
.3714
.3503
.3305
.3118

.0390
.0354
.0324
.0296
.0272

.0990
.0954
.0924
.0896
.0872

25.672
28.213
30.906
33.760
36.786

10.106
10.477
10.828
11.158
11.470

6.279
6.624
6.960
7.287
7.605

63.459
69.401
75.357
81.306
87.230

16
17
18
19
20

21
22
23
24
25

3.400
3.604
3.820
4.049
4.292

.2942
.2775
.2618
.2470
.2330

.0250
.0230
.0213
.0197
.0182

.0850
.0830
.0813
.0797
.0782

39.993
43.392
46.996
50.815
54.864

11.764
12.042
12.303
12.550
12.783

7.915
8.217
8.510
8.795
9.072

93.113
98.941
104.700
110.381
115.973

21
22
23
24
25

26
27
28
29
30

4.549
4.822
5.112
5.418
5.743

.2198
.2074
.1956
.1846
.1741

.0169
.0157
.0146
.0136
.0126

.0769
.0757
.0746
.0736
.0726

59.156
63.706
68.528
73.640
79.058

13.003
13.211
13.406
13.591
13.765

9.341
9.603
9.857
10.103
10.342

121.468
126.860
132.142
137.309
142.359

26
27
28
29
30

31
32
33
34
35

6.088
6.453
6.841
7.251
7.686

.1643
.1550
.1462
.1379
.1301

.0118
.0110
.0103
.00960
.00897

.0718
.0710
.0703
.0696
.0690

84.801
90.890
97.343
104.184
111.435

13.929
14.084
14.230
14.368
14.498

10.574
10.799
11.017
11.228
11.432

147.286
152.090
156.768
161.319
165.743

31
32
33
34
35

40
45
50
55
60

10.286
13.765
18.420
24.650
32.988

.0972
.0727
.0543
.0406
.0303

.00646
.00470
.00344
.00254
.00188

.0665
.0647
.0634
.0625
.0619

154.762
212.743
290.335
394.171
533.126

15.046
15.456
15.762
15.991
16.161

12.359
13.141
13.796
14.341
14.791

185.957
203.109
217.457
229.322
239.043

40
45
50
55
60

65
70
75
80
85

44.145
59.076
79.057
105.796
141.578

.0227
.0169
.0126
.00945
.00706

.00139
.00103
.00077
.00057
.00043

.0614
.0610
.0608
.0606
.0604

719.080
967.928
1 300.9
1 746.6
2 343.0

16.289
16.385
16.456
16.509
16.549

15.160
15.461
15.706
15.903
16.062

246.945
253.327
258.453
262.549
265.810

65
70
75
80
85

90
95
100

189.464
253.545
339.300

.00528
.00394
.00295

.00032
.00024
.00018

.0603
.0602
.0602

3 141.1
4 209.1
5 638.3

16.579
16.601
16.618

16.189
16.290
16.371

268.395
270.437
272.047

90
95
100

Sinking
Fund
Factor
Find A
Given F
A/F

609

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
610 APPENDIX C: COMPOUND INTEREST TABLES
7%

Compound Interest Factors

Single Payment

7%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.070
1.145
1.225
1.311
1.403

.9346
.8734
.8163
.7629
.7130

1.0000
.4831
.3111
.2252
.1739

1.0700
.5531
.3811
.2952
.2439

1.000
2.070
3.215
4.440
5.751

0.935
1.808
2.624
3.387
4.100

0
0.483
0.955
1.416
1.865

0
0.873
2.506
4.795
7.647

1
2
3
4
5

6
7
8
9
10

1.501
1.606
1.718
1.838
1.967

.6663
.6227
.5820
.5439
.5083

.1398
.1156
.0975
.0835
.0724

.2098
.1856
.1675
.1535
.1424

7.153
8.654
10.260
11.978
13.816

4.767
5.389
5.971
6.515
7.024

2.303
2.730
3.147
3.552
3.946

10.978
14.715
18.789
23.140
27.716

6
7
8
9
10

11
12
13
14
15

2.105
2.252
2.410
2.579
2.759

.4751
.4440
.4150
.3878
.3624

.0634
.0559
.0497
.0443
.0398

.1334
.1259
.1197
.1143
.1098

15.784
17.888
20.141
22.551
25.129

7.499
7.943
8.358
8.745
9.108

4.330
4.703
5.065
5.417
5.758

32.467
37.351
42.330
47.372
52.446

11
12
13
14
15

16
17
18
19
20

2.952
3.159
3.380
3.617
3.870

.3387
.3166
.2959
.2765
.2584

.0359
.0324
.0294
.0268
.0244

.1059
.1024
.0994
.0968
.0944

27.888
30.840
33.999
37.379
40.996

9.447
9.763
10.059
10.336
10.594

6.090
6.411
6.722
7.024
7.316

57.527
62.592
67.622
72.599
77.509

16
17
18
19
20

21
22
23
24
25

4.141
4.430
4.741
5.072
5.427

.2415
.2257
.2109
.1971
.1842

.0223
.0204
.0187
.0172
.0158

.0923
.0904
.0887
.0872
.0858

44.865
49.006
53.436
58.177
63.249

10.836
11.061
11.272
11.469
11.654

7.599
7.872
8.137
8.392
8.639

82.339
87.079
91.720
96.255
100.677

21
22
23
24
25

26
27
28
29
30

5.807
6.214
6.649
7.114
7.612

.1722
.1609
.1504
.1406
.1314

.0146
.0134
.0124
.0114
.0106

.0846
.0834
.0824
.0814
.0806

68.677
74.484
80.698
87.347
94.461

11.826
11.987
12.137
12.278
12.409

8.877
9.107
9.329
9.543
9.749

104.981
109.166
113.227
117.162
120.972

26
27
28
29
30

31
32
33
34
35

8.145
8.715
9.325
9.978
10.677

.1228
.1147
.1072
.1002
.0937

.00980
.00907
.00841
.00780
.00723

.0798
.0791
.0784
.0778
.0772

102.073
110.218
118.934
128.259
138.237

12.532
12.647
12.754
12.854
12.948

9.947
10.138
10.322
10.499
10.669

124.655
128.212
131.644
134.951
138.135

31
32
33
34
35

40
45
50
55
60

14.974
21.002
29.457
41.315
57.947

.0668
.0476
.0339
.0242
.0173

.00501
.00350
.00246
.00174
.00123

.0750
.0735
.0725
.0717
.0712

199.636
285.750
406.530
575.930
813.523

13.332
13.606
13.801
13.940
14.039

11.423
12.036
12.529
12.921
13.232

152.293
163.756
172.905
180.124
185.768

40
45
50
55
60

65
70
75
80
85

81.273
113.990
159.877
224.235
314.502

.0123
.00877
.00625
.00446
.00318

.00087
.00062
.00044
.00031
.00022

.0709
.0706
.0704
.0703
.0702

1 146.8
1 614.1
2 269.7
3 189.1
4 478.6

14.110
14.160
14.196
14.222
14.240

13.476
13.666
13.814
13.927
14.015

190.145
193.519
196.104
198.075
199.572

65
70
75
80
85

90
95
100

441.105
618.673
867.720

.00227
.00162
.00115

.00016
.00011
.00008

.0702
.0701
.0701

6 287.2
8 823.9
12 381.7

14.253
14.263
14.269

14.081
14.132
14.170

200.704
201.558
202.200

90
95
100

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient
Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
8%

Compound Interest Factors

Single Payment

8%

Uniform Payment Series

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.080
1.166
1.260
1.360
1.469

.9259
.8573
.7938
.7350
.6806

1.0000
.4808
.3080
.2219
.1705

1.0800
.5608
.3880
.3019
.2505

1.000
2.080
3.246
4.506
5.867

0.926
1.783
2.577
3.312
3.993

0
0.481
0.949
1.404
1.846

0
0.857
2.445
4.650
7.372

1
2
3
4
5

6
7
8
9
10

1.587
1.714
1.851
1.999
2.159

.6302
.5835
.5403
.5002
.4632

.1363
.1121
.0940
.0801
.0690

.2163
.1921
.1740
.1601
.1490

7.336
8.923
10.637
12.488
14.487

4.623
5.206
5.747
6.247
6.710

2.276
2.694
3.099
3.491
3.871

10.523
14.024
17.806
21.808
25.977

6
7
8
9
10

11
12
13
14
15

2.332
2.518
2.720
2.937
3.172

.4289
.3971
.3677
.3405
.3152

.0601
.0527
.0465
.0413
.0368

.1401
.1327
.1265
.1213
.1168

16.645
18.977
21.495
24.215
27.152

7.139
7.536
7.904
8.244
8.559

4.240
4.596
4.940
5.273
5.594

30.266
34.634
39.046
43.472
47.886

11
12
13
14
15

16
17
18
19
20

3.426
3.700
3.996
4.316
4.661

.2919
.2703
.2502
.2317
.2145

.0330
.0296
.0267
.0241
.0219

.1130
.1096
.1067
.1041
.1019

30.324
33.750
37.450
41.446
45.762

8.851
9.122
9.372
9.604
9.818

5.905
6.204
6.492
6.770
7.037

52.264
56.588
60.843
65.013
69.090

16
17
18
19
20

21
22
23
24
25

5.034
5.437
5.871
6.341
6.848

.1987
.1839
.1703
.1577
.1460

.0198
.0180
.0164
.0150
.0137

.0998
.0980
.0964
.0950
.0937

50.423
55.457
60.893
66.765
73.106

10.017
10.201
10.371
10.529
10.675

7.294
7.541
7.779
8.007
8.225

73.063
76.926
80.673
84.300
87.804

21
22
23
24
25

26
27
28
29
30

7.396
7.988
8.627
9.317
10.063

.1352
.1252
.1159
.1073
.0994

.0125
.0114
.0105
.00962
.00883

.0925
.0914
.0905
.0896
.0888

79.954
87.351
95.339
103.966
113.283

10.810
10.935
11.051
11.158
11.258

8.435
8.636
8.829
9.013
9.190

91.184
94.439
97.569
100.574
103.456

26
27
28
29
30

31
32
33
34
35

10.868
11.737
12.676
13.690
14.785

.0920
.0852
.0789
.0730
.0676

.00811
.00745
.00685
.00630
.00580

.0881
.0875
.0869
.0863
.0858

123.346
134.214
145.951
158.627
172.317

11.350
11.435
11.514
11.587
11.655

9.358
9.520
9.674
9.821
9.961

106.216
108.858
111.382
113.792
116.092

31
32
33
34
35

40
45
50
55
60

21.725
31.920
46.902
68.914
101.257

.0460
.0313
.0213
.0145
.00988

.00386
.00259
.00174
.00118
.00080

.0839
.0826
.0817
.0812
.0808

259.057
386.506
573.771
848.925
1 253.2

11.925
12.108
12.233
12.319
12.377

10.570
11.045
11.411
11.690
11.902

126.042
133.733
139.593
144.006
147.300

40
45
50
55
60

65
70
75
80
85

148.780
218.607
321.205
471.956
693.458

.00672
.00457
.00311
.00212
.00144

.00054
.00037
.00025
.00017
.00012

.0805
.0804
.0802
.0802
.0801

1 847.3
2 720.1
4 002.6
5 887.0
8 655.7

12.416
12.443
12.461
12.474
12.482

12.060
12.178
12.266
12.330
12.377

149.739
151.533
152.845
153.800
154.492

65
70
75
80
85

.00098
.00067
.00045

.00008
.00005
.00004

.0801
.0801
.0800

12 724.0
18 701.6
27 484.6

12.488
12.492
12.494

12.412
12.437
12.455

154.993
155.352
155.611

90
95
100

90
95
100

1 018.9
1 497.1
2 199.8

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Sinking
Fund
Factor
Find A
Given F
A/F

611

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
612 APPENDIX C: COMPOUND INTEREST TABLES
9%

Compound Interest Factors

Single Payment

9%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.090
1.188
1.295
1.412
1.539

.9174
.8417
.7722
.7084
.6499

1.0000
.4785
.3051
.2187
.1671

1.0900
.5685
.3951
.3087
.2571

1.000
2.090
3.278
4.573
5.985

0.917
1.759
2.531
3.240
3.890

0
0.478
0.943
1.393
1.828

0
0.842
2.386
4.511
7.111

1
2
3
4
5

6
7
8
9
10

1.677
1.828
1.993
2.172
2.367

.5963
.5470
.5019
.4604
.4224

.1329
.1087
.0907
.0768
.0658

.2229
.1987
.1807
.1668
.1558

7.523
9.200
11.028
13.021
15.193

4.486
5.033
5.535
5.995
6.418

2.250
2.657
3.051
3.431
3.798

10.092
13.375
16.888
20.571
24.373

6
7
8
9
10

11
12
13
14
15

2.580
2.813
3.066
3.342
3.642

.3875
.3555
.3262
.2992
.2745

.0569
.0497
.0436
.0384
.0341

.1469
.1397
.1336
.1284
.1241

17.560
20.141
22.953
26.019
29.361

6.805
7.161
7.487
7.786
8.061

4.151
4.491
4.818
5.133
5.435

28.248
32.159
36.073
39.963
43.807

11
12
13
14
15

16
17
18
19
20

3.970
4.328
4.717
5.142
5.604

.2519
.2311
.2120
.1945
.1784

.0303
.0270
.0242
.0217
.0195

.1203
.1170
.1142
.1117
.1095

33.003
36.974
41.301
46.019
51.160

8.313
8.544
8.756
8.950
9.129

5.724
6.002
6.269
6.524
6.767

47.585
51.282
54.886
58.387
61.777

16
17
18
19
20

21
22
23
24
25

6.109
6.659
7.258
7.911
8.623

.1637
.1502
.1378
.1264
.1160

.0176
.0159
.0144
.0130
.0118

.1076
.1059
.1044
.1030
.1018

56.765
62.873
69.532
76.790
84.701

9.292
9.442
9.580
9.707
9.823

7.001
7.223
7.436
7.638
7.832

65.051
68.205
71.236
74.143
76.927

21
22
23
24
25

26
27
28
29
30

9.399
10.245
11.167
12.172
13.268

.1064
.0976
.0895
.0822
.0754

.0107
.00973
.00885
.00806
.00734

.1007
.0997
.0989
.0981
.0973

93.324
102.723
112.968
124.136
136.308

9.929
10.027
10.116
10.198
10.274

8.016
8.191
8.357
8.515
8.666

79.586
82.124
84.542
86.842
89.028

26
27
28
29
30

31
32
33
34
35

14.462
15.763
17.182
18.728
20.414

.0691
.0634
.0582
.0534
.0490

.00669
.00610
.00556
.00508
.00464

.0967
.0961
.0956
.0951
.0946

149.575
164.037
179.801
196.983
215.711

10.343
10.406
10.464
10.518
10.567

8.808
8.944
9.072
9.193
9.308

91.102
93.069
94.931
96.693
98.359

31
32
33
34
35

40
45
50
55
60

31.409
48.327
74.358
114.409
176.032

.0318
.0207
.0134
.00874
.00568

.00296
.00190
.00123
.00079
.00051

.0930
.0919
.0912
.0908
.0905

337.883
525.860
815.085
1 260.1
1 944.8

10.757
10.881
10.962
11.014
11.048

9.796
10.160
10.430
10.626
10.768

105.376
110.556
114.325
117.036
118.968

40
45
50
55
60

65
70
75
80
85

270.847
416.731
641.193
986.555
1 517.9

.00369
.00240
.00156
.00101
.00066

.00033
.00022
.00014
.00009
.00006

.0903
.0902
.0901
.0901
.0901

2 998.3
4 619.2
7 113.3
10 950.6
16 854.9

11.070
11.084
11.094
11.100
11.104

10.870
10.943
10.994
11.030
11.055

120.334
121.294
121.965
122.431
122.753

65
70
75
80
85

2 335.5
3 593.5
5 529.1

.00043
.00028
.00018

.00004
.00003
.00002

.0900
.0900
.0900

25 939.3
39 916.8
61 422.9

11.106
11.108
11.109

11.073
11.085
11.093

122.976
123.129
123.233

90
95
100

90
95
100

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient
Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
10%

Compound Interest Factors

Single Payment

10%

Uniform Payment Series

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.100
1.210
1.331
1.464
1.611

.9091
.8264
.7513
.6830
.6209

1.0000
.4762
.3021
.2155
.1638

1.1000
.5762
.4021
.3155
.2638

1.000
2.100
3.310
4.641
6.105

0.909
1.736
2.487
3.170
3.791

0
0.476
0.937
1.381
1.810

0
0.826
2.329
4.378
6.862

1
2
3
4
5

6
7
8
9
10

1.772
1.949
2.144
2.358
2.594

.5645
.5132
.4665
.4241
.3855

.1296
.1054
.0874
.0736
.0627

.2296
.2054
.1874
.1736
.1627

7.716
9.487
11.436
13.579
15.937

4.355
4.868
5.335
5.759
6.145

2.224
2.622
3.004
3.372
3.725

9.684
12.763
16.029
19.421
22.891

6
7
8
9
10

11
12
13
14
15

2.853
3.138
3.452
3.797
4.177

.3505
.3186
.2897
.2633
.2394

.0540
.0468
.0408
.0357
.0315

.1540
.1468
.1408
.1357
.1315

18.531
21.384
24.523
27.975
31.772

6.495
6.814
7.103
7.367
7.606

4.064
4.388
4.699
4.996
5.279

26.396
29.901
33.377
36.801
40.152

11
12
13
14
15

16
17
18
19
20

4.595
5.054
5.560
6.116
6.728

.2176
.1978
.1799
.1635
.1486

.0278
.0247
.0219
.0195
.0175

.1278
.1247
.1219
.1195
.1175

35.950
40.545
45.599
51.159
57.275

7.824
8.022
8.201
8.365
8.514

5.549
5.807
6.053
6.286
6.508

43.416
46.582
49.640
52.583
55.407

16
17
18
19
20

21
22
23
24
25

7.400
8.140
8.954
9.850
10.835

.1351
.1228
.1117
.1015
.0923

.0156
.0140
.0126
.0113
.0102

.1156
.1140
.1126
.1113
.1102

64.003
71.403
79.543
88.497
98.347

8.649
8.772
8.883
8.985
9.077

6.719
6.919
7.108
7.288
7.458

58.110
60.689
63.146
65.481
67.696

21
22
23
24
25

26
27
28
29
30

11.918
13.110
14.421
15.863
17.449

.0839
.0763
.0693
.0630
.0573

.00916
.00826
.00745
.00673
.00608

.1092
.1083
.1075
.1067
.1061

109.182
121.100
134.210
148.631
164.494

9.161
9.237
9.307
9.370
9.427

7.619
7.770
7.914
8.049
8.176

69.794
71.777
73.650
75.415
77.077

26
27
28
29
30

31
32
33
34
35

19.194
21.114
23.225
25.548
28.102

.0521
.0474
.0431
.0391
.0356

.00550
.00497
.00450
.00407
.00369

.1055
.1050
.1045
.1041
.1037

181.944
201.138
222.252
245.477
271.025

9.479
9.526
9.569
9.609
9.644

8.296
8.409
8.515
8.615
8.709

78.640
80.108
81.486
82.777
83.987

31
32
33
34
35

40
45
50
55
60

45.259
72.891
117.391
189.059
304.482

.0221
.0137
.00852
.00529
.00328

.00226
.00139
.00086
.00053
.00033

.1023
.1014
.1009
.1005
.1003

442.593
718.905
1 163.9
1 880.6
3 034.8

9.779
9.863
9.915
9.947
9.967

9.096
9.374
9.570
9.708
9.802

88.953
92.454
94.889
96.562
97.701

40
45
50
55
60

65
70
75
80
85

490.371
789.748
1 271.9
2 048.4
3 299.0

.00204
.00127
.00079
.00049
.00030

.00020
.00013
.00008
.00005
.00003

.1002
.1001
.1001
.1000
.1000

4 893.7
7 887.5
12 709.0
20 474.0
32 979.7

9.980
9.987
9.992
9.995
9.997

9.867
9.911
9.941
9.961
9.974

98.471
98.987
99.332
99.561
99.712

65
70
75
80
85

.00019
.00012
.00007

.00002
.00001
.00001

.1000
.1000
.1000

53 120.3
85 556.9
137 796.3

9.998
9.999
9.999

9.983
9.989
9.993

99.812
99.877
99.920

90
95
100

90
95
100

5 313.0
8 556.7
13 780.6

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Sinking
Fund
Factor
Find A
Given F
A/F

613

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
614 APPENDIX C: COMPOUND INTEREST TABLES
12%

Compound Interest Factors

Single Payment

12%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.120
1.254
1.405
1.574
1.762

.8929
.7972
.7118
.6355
.5674

1.0000
.4717
.2963
.2092
.1574

1.1200
.5917
.4163
.3292
.2774

1.000
2.120
3.374
4.779
6.353

0.893
1.690
2.402
3.037
3.605

0
0.472
0.925
1.359
1.775

0
0.797
2.221
4.127
6.397

1
2
3
4
5

6
7
8
9
10

1.974
2.211
2.476
2.773
3.106

.5066
.4523
.4039
.3606
.3220

.1232
.0991
.0813
.0677
.0570

.2432
.2191
.2013
.1877
.1770

8.115
10.089
12.300
14.776
17.549

4.111
4.564
4.968
5.328
5.650

2.172
2.551
2.913
3.257
3.585

8.930
11.644
14.471
17.356
20.254

6
7
8
9
10

11
12
13
14
15

3.479
3.896
4.363
4.887
5.474

.2875
.2567
.2292
.2046
.1827

.0484
.0414
.0357
.0309
.0268

.1684
.1614
.1557
.1509
.1468

20.655
24.133
28.029
32.393
37.280

5.938
6.194
6.424
6.628
6.811

3.895
4.190
4.468
4.732
4.980

23.129
25.952
28.702
31.362
33.920

11
12
13
14
15

16
17
18
19
20

6.130
6.866
7.690
8.613
9.646

.1631
.1456
.1300
.1161
.1037

.0234
.0205
.0179
.0158
.0139

.1434
.1405
.1379
.1358
.1339

42.753
48.884
55.750
63.440
72.052

6.974
7.120
7.250
7.366
7.469

5.215
5.435
5.643
5.838
6.020

36.367
38.697
40.908
42.998
44.968

16
17
18
19
20

21
22
23
24
25

10.804
12.100
13.552
15.179
17.000

.0926
.0826
.0738
.0659
.0588

.0122
.0108
.00956
.00846
.00750

.1322
.1308
.1296
.1285
.1275

81.699
92.503
104.603
118.155
133.334

7.562
7.645
7.718
7.784
7.843

6.191
6.351
6.501
6.641
6.771

46.819
48.554
50.178
51.693
53.105

21
22
23
24
25

26
27
28
29
30

19.040
21.325
23.884
26.750
29.960

.0525
.0469
.0419
.0374
.0334

.00665
.00590
.00524
.00466
.00414

.1267
.1259
.1252
.1247
.1241

150.334
169.374
190.699
214.583
241.333

7.896
7.943
7.984
8.022
8.055

6.892
7.005
7.110
7.207
7.297

54.418
55.637
56.767
57.814
58.782

26
27
28
29
30

31
32
33
34
35

33.555
37.582
42.092
47.143
52.800

.0298
.0266
.0238
.0212
.0189

.00369
.00328
.00292
.00260
.00232

.1237
.1233
.1229
.1226
.1223

271.293
304.848
342.429
384.521
431.663

8.085
8.112
8.135
8.157
8.176

7.381
7.459
7.530
7.596
7.658

59.676
60.501
61.261
61.961
62.605

31
32
33
34
35

40
45
50
55
60

93.051
163.988
289.002
509.321
897.597

.0107
.00610
.00346
.00196
.00111

.00130
.00074
.00042
.00024
.00013

.1213
.1207
.1204
.1202
.1201

767.091
1 358.2
2 400.0
4 236.0
7 471.6

8.244
8.283
8.304
8.317
8.324

7.899
8.057
8.160
8.225
8.266

65.116
66.734
67.762
68.408
68.810

40
45
50
55
60

.00008
.00004
.00002
.00001
.00001

.1201
.1200
.1200
.1200
.1200

13 173.9
23 223.3
40 933.8
72 145.7
127 151.7

8.328
8.330
8.332
8.332
8.333

8.292
8.308
8.318
8.324
8.328

69.058
69.210
69.303
69.359
69.393

65
70
75
80
85

.1200
.1200
.1200

224 091.1
394 931.4
696 010.5

8.333
8.333
8.333

8.330
8.331
8.332

69.414
69.426
69.434

90
95
100

65
70
75
80
85

1 581.9
2 787.8
4 913.1
8 658.5
15 259.2

.00063
.00036
.00020
.00012
.00007

90
95
100

26 891.9
47 392.8
83 522.3

.00004
.00002
.00001

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient
Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
15%

Compound Interest Factors

Single Payment

15%

Uniform Payment Series

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.150
1.322
1.521
1.749
2.011

.8696
.7561
.6575
.5718
.4972

1.0000
.4651
.2880
.2003
.1483

1.1500
.6151
.4380
.3503
.2983

1.000
2.150
3.472
4.993
6.742

0.870
1.626
2.283
2.855
3.352

0
0.465
0.907
1.326
1.723

0
0.756
2.071
3.786
5.775

1
2
3
4
5

6
7
8
9
10

2.313
2.660
3.059
3.518
4.046

.4323
.3759
.3269
.2843
.2472

.1142
.0904
.0729
.0596
.0493

.2642
.2404
.2229
.2096
.1993

8.754
11.067
13.727
16.786
20.304

3.784
4.160
4.487
4.772
5.019

2.097
2.450
2.781
3.092
3.383

7.937
10.192
12.481
14.755
16.979

6
7
8
9
10

11
12
13
14
15

4.652
5.350
6.153
7.076
8.137

.2149
.1869
.1625
.1413
.1229

.0411
.0345
.0291
.0247
.0210

.1911
.1845
.1791
.1747
.1710

24.349
29.002
34.352
40.505
47.580

5.234
5.421
5.583
5.724
5.847

3.655
3.908
4.144
4.362
4.565

19.129
21.185
23.135
24.972
26.693

11
12
13
14
15

16
17
18
19
20

9.358
10.761
12.375
14.232
16.367

.1069
.0929
.0808
.0703
.0611

.0179
.0154
.0132
.0113
.00976

.1679
.1654
.1632
.1613
.1598

55.717
65.075
75.836
88.212
102.444

5.954
6.047
6.128
6.198
6.259

4.752
4.925
5.084
5.231
5.365

28.296
29.783
31.156
32.421
33.582

16
17
18
19
20

21
22
23
24
25

18.822
21.645
24.891
28.625
32.919

.0531
.0462
.0402
.0349
.0304

.00842
.00727
.00628
.00543
.00470

.1584
.1573
.1563
.1554
.1547

118.810
137.632
159.276
184.168
212.793

6.312
6.359
6.399
6.434
6.464

5.488
5.601
5.704
5.798
5.883

34.645
35.615
36.499
37.302
38.031

21
22
23
24
25

26
27
28
29
30

37.857
43.535
50.066
57.575
66.212

.0264
.0230
.0200
.0174
.0151

.00407
.00353
.00306
.00265
.00230

.1541
.1535
.1531
.1527
.1523

245.712
283.569
327.104
377.170
434.745

6.491
6.514
6.534
6.551
6.566

5.961
6.032
6.096
6.154
6.207

38.692
39.289
39.828
40.315
40.753

26
27
28
29
30

31
32
33
34
35

76.144
87.565
100.700
115.805
133.176

.0131
.0114
.00993
.00864
.00751

.00200
.00173
.00150
.00131
.00113

.1520
.1517
.1515
.1513
.1511

500.957
577.100
664.666
765.365
881.170

6.579
6.591
6.600
6.609
6.617

6.254
6.297
6.336
6.371
6.402

41.147
41.501
41.818
42.103
42.359

31
32
33
34
35

40
45
50
55
60

267.864
538.769
1 083.7
2 179.6
4 384.0

.00373
.00186
.00092
.00046
.00023

.00056
.00028
.00014
.00007
.00003

.1506
.1503
.1501
.1501
.1500

1 779.1
3 585.1
7 217.7
14 524.1
29 220.0

6.642
6.654
6.661
6.664
6.665

6.517
6.583
6.620
6.641
6.653

43.283
43.805
44.096
44.256
44.343

40
45
50
55
60

.00011
.00006
.00003
.00001
.00001

.00002
.00001

.1500
.1500
.1500
.1500
.1500

58 778.6
118 231.5
237 812.5
478 332.6
962 104.4

6.666
6.666
6.666
6.667
6.667

6.659
6.663
6.665
6.666
6.666

44.390
44.416
44.429
44.436
44.440

65
70
75
80
85

65
70
75
80
85

8 817.8
17 735.7
35 672.9
71 750.9
144 316.7

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Sinking
Fund
Factor
Find A
Given F
A/F

615

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
616 APPENDIX C: COMPOUND INTEREST TABLES
18%

Compound Interest Factors

Single Payment

18%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.180
1.392
1.643
1.939
2.288

.8475
.7182
.6086
.5158
.4371

1.0000
.4587
.2799
.1917
.1398

1.1800
.6387
.4599
.3717
.3198

1.000
2.180
3.572
5.215
7.154

0.847
1.566
2.174
2.690
3.127

0
0.459
0.890
1.295
1.673

0
0.718
1.935
3.483
5.231

1
2
3
4
5

6
7
8
9
10

2.700
3.185
3.759
4.435
5.234

.3704
.3139
.2660
.2255
.1911

.1059
.0824
.0652
.0524
.0425

.2859
.2624
.2452
.2324
.2225

9.442
12.142
15.327
19.086
23.521

3.498
3.812
4.078
4.303
4.494

2.025
2.353
2.656
2.936
3.194

7.083
8.967
10.829
12.633
14.352

6
7
8
9
10

11
12
13
14
15

6.176
7.288
8.599
10.147
11.974

.1619
.1372
.1163
.0985
.0835

.0348
.0286
.0237
.0197
.0164

.2148
.2086
.2037
.1997
.1964

28.755
34.931
42.219
50.818
60.965

4.656
4.793
4.910
5.008
5.092

3.430
3.647
3.845
4.025
4.189

15.972
17.481
18.877
20.158
21.327

11
12
13
14
15

16
17
18
19
20

14.129
16.672
19.673
23.214
27.393

.0708
.0600
.0508
.0431
.0365

.0137
.0115
.00964
.00810
.00682

.1937
.1915
.1896
.1881
.1868

72.939
87.068
103.740
123.413
146.628

5.162
5.222
5.273
5.316
5.353

4.337
4.471
4.592
4.700
4.798

22.389
23.348
24.212
24.988
25.681

16
17
18
19
20

21
22
23
24
25

32.324
38.142
45.008
53.109
62.669

.0309
.0262
.0222
.0188
.0160

.00575
.00485
.00409
.00345
.00292

.1857
.1848
.1841
.1835
.1829

174.021
206.345
244.487
289.494
342.603

5.384
5.410
5.432
5.451
5.467

4.885
4.963
5.033
5.095
5.150

26.300
26.851
27.339
27.772
28.155

21
22
23
24
25

26
27
28
29
30

73.949
87.260
102.966
121.500
143.370

.0135
.0115
.00971
.00823
.00697

.00247
.00209
.00177
.00149
.00126

.1825
.1821
.1818
.1815
.1813

405.272
479.221
566.480
669.447
790.947

5.480
5.492
5.502
5.510
5.517

5.199
5.243
5.281
5.315
5.345

28.494
28.791
29.054
29.284
29.486

26
27
28
29
30

31
32
33
34
35

169.177
199.629
235.562
277.963
327.997

.00591
.00501
.00425
.00360
.00305

.00107
.00091
.00077
.00065
.00055

.1811
.1809
.1808
.1806
.1806

934.317
1 103.5
1 303.1
1 538.7
1 816.6

5.523
5.528
5.532
5.536
5.539

5.371
5.394
5.415
5.433
5.449

29.664
29.819
29.955
30.074
30.177

31
32
33
34
35

40
45
50
55
60

750.377
1 716.7
3 927.3
8 984.8
20 555.1

.00133
.00058
.00025
.00011
.00005

.00024
.00010
.00005
.00002
.00001

.1802
.1801
.1800
.1800
.1800

4 163.2
9 531.6
21 813.0
49 910.1
114 189.4

5.548
5.552
5.554
5.555
5.555

5.502
5.529
5.543
5.549
5.553

30.527
30.701
30.786
30.827
30.846

40
45
50
55
60

.1800
.1800

261 244.7
597 671.7

5.555
5.556

5.554
5.555

30.856
30.860

65
70

65
70

47 025.1
107 581.9

.00002
.00001

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient
Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
20%

Compound Interest Factors

Single Payment

20%

Uniform Payment Series

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.200
1.440
1.728
2.074
2.488

.8333
.6944
.5787
.4823
.4019

1.0000
.4545
.2747
.1863
.1344

1.2000
.6545
.4747
.3863
.3344

1.000
2.200
3.640
5.368
7.442

0.833
1.528
2.106
2.589
2.991

0
0.455
0.879
1.274
1.641

0
0.694
1.852
3.299
4.906

1
2
3
4
5

6
7
8
9
10

2.986
3.583
4.300
5.160
6.192

.3349
.2791
.2326
.1938
.1615

.1007
.0774
.0606
.0481
.0385

.3007
.2774
.2606
.2481
.2385

9.930
12.916
16.499
20.799
25.959

3.326
3.605
3.837
4.031
4.192

1.979
2.290
2.576
2.836
3.074

6.581
8.255
9.883
11.434
12.887

6
7
8
9
10

11
12
13
14
15

7.430
8.916
10.699
12.839
15.407

.1346
.1122
.0935
.0779
.0649

.0311
.0253
.0206
.0169
.0139

.2311
.2253
.2206
.2169
.2139

32.150
39.581
48.497
59.196
72.035

4.327
4.439
4.533
4.611
4.675

3.289
3.484
3.660
3.817
3.959

14.233
15.467
16.588
17.601
18.509

11
12
13
14
15

16
17
18
19
20

18.488
22.186
26.623
31.948
38.338

.0541
.0451
.0376
.0313
.0261

.0114
.00944
.00781
.00646
.00536

.2114
.2094
.2078
.2065
.2054

87.442
105.931
128.117
154.740
186.688

4.730
4.775
4.812
4.843
4.870

4.085
4.198
4.298
4.386
4.464

19.321
20.042
20.680
21.244
21.739

16
17
18
19
20

21
22
23
24
25

46.005
55.206
66.247
79.497
95.396

.0217
.0181
.0151
.0126
.0105

.00444
.00369
.00307
.00255
.00212

.2044
.2037
.2031
.2025
.2021

225.026
271.031
326.237
392.484
471.981

4.891
4.909
4.925
4.937
4.948

4.533
4.594
4.647
4.694
4.735

22.174
22.555
22.887
23.176
23.428

21
22
23
24
25

26
27
28
29
30

114.475
137.371
164.845
197.814
237.376

.00874
.00728
.00607
.00506
.00421

.00176
.00147
.00122
.00102
.00085

.2018
.2015
.2012
.2010
.2008

567.377
681.853
819.223
984.068
1 181.9

4.956
4.964
4.970
4.975
4.979

4.771
4.802
4.829
4.853
4.873

23.646
23.835
23.999
24.141
24.263

26
27
28
29
30

31
32
33
34
35

284.852
341.822
410.186
492.224
590.668

.00351
.00293
.00244
.00203
.00169

.00070
.00059
.00049
.00041
.00034

.2007
.2006
.2005
.2004
.2003

1 419.3
1 704.1
2 045.9
2 456.1
2 948.3

4.982
4.985
4.988
4.990
4.992

4.891
4.906
4.919
4.931
4.941

24.368
24.459
24.537
24.604
24.661

31
32
33
34
35

.00068
.00027
.00011
.00004
.00002

.00014
.00005
.00002
.00001

.2001
.2001
.2000
.2000
.2000

7 343.9
18 281.3
45 497.2
113 219.0
281 732.6

4.997
4.999
4.999
5.000
5.000

4.973
4.988
4.995
4.998
4.999

24.847
24.932
24.970
24.987
24.994

40
45
50
55
60

40
45
50
55
60

1 469.8
3 657.3
9 100.4
22 644.8
56 347.5

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Sinking
Fund
Factor
Find A
Given F
A/F

617

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
618 APPENDIX C: COMPOUND INTEREST TABLES
25%

Compound Interest Factors

Single Payment

25%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.250
1.563
1.953
2.441
3.052

.8000
.6400
.5120
.4096
.3277

1.0000
.4444
.2623
.1734
.1218

1.2500
.6944
.5123
.4234
.3718

1.000
2.250
3.813
5.766
8.207

0.800
1.440
1.952
2.362
2.689

0
0.444
0.852
1.225
1.563

0
0.640
1.664
2.893
4.204

1
2
3
4
5

6
7
8
9
10

3.815
4.768
5.960
7.451
9.313

.2621
.2097
.1678
.1342
.1074

.0888
.0663
.0504
.0388
.0301

.3388
.3163
.3004
.2888
.2801

11.259
15.073
19.842
25.802
33.253

2.951
3.161
3.329
3.463
3.571

1.868
2.142
2.387
2.605
2.797

5.514
6.773
7.947
9.021
9.987

6
7
8
9
10

11
12
13
14
15

11.642
14.552
18.190
22.737
28.422

.0859
.0687
.0550
.0440
.0352

.0235
.0184
.0145
.0115
.00912

.2735
.2684
.2645
.2615
.2591

42.566
54.208
68.760
86.949
109.687

3.656
3.725
3.780
3.824
3.859

2.966
3.115
3.244
3.356
3.453

10.846
11.602
12.262
12.833
13.326

11
12
13
14
15

16
17
18
19
20

35.527
44.409
55.511
69.389
86.736

.0281
.0225
.0180
.0144
.0115

.00724
.00576
.00459
.00366
.00292

.2572
.2558
.2546
.2537
.2529

138.109
173.636
218.045
273.556
342.945

3.887
3.910
3.928
3.942
3.954

3.537
3.608
3.670
3.722
3.767

13.748
14.108
14.415
14.674
14.893

16
17
18
19
20

21
22
23
24
25

108.420
135.525
169.407
211.758
264.698

.00922
.00738
.00590
.00472
.00378

.00233
.00186
.00148
.00119
.00095

.2523
.2519
.2515
.2512
.2509

429.681
538.101
673.626
843.033
1 054.8

3.963
3.970
3.976
3.981
3.985

3.805
3.836
3.863
3.886
3.905

15.078
15.233
15.362
15.471
15.562

21
22
23
24
25

26
27
28
29
30

330.872
413.590
516.988
646.235
807.794

.00302
.00242
.00193
.00155
.00124

.00076
.00061
.00048
.00039
.00031

.2508
.2506
.2505
.2504
.2503

1 319.5
1 650.4
2 064.0
2 580.9
3 227.2

3.988
3.990
3.992
3.994
3.995

3.921
3.935
3.946
3.955
3.963

15.637
15.700
15.752
15.796
15.832

26
27
28
29
30

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient
Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

31
32
33
34
35

1 009.7
1 262.2
1 577.7
1 972.2
2 465.2

.00099
.00079
.00063
.00051
.00041

.00025
.00020
.00016
.00013
.00010

.2502
.2502
.2502
.2501
.2501

4 035.0
5 044.7
6 306.9
7 884.6
9 856.8

3.996
3.997
3.997
3.998
3.998

3.969
3.975
3.979
3.983
3.986

15.861
15.886
15.906
15.923
15.937

31
32
33
34
35

40
45
50
55

7 523.2
22 958.9
70 064.9
213 821.2

.00013
.00004
.00001

.00003
.00001

.2500
.2500
.2500
.2500

30 088.7
91 831.5
280 255.7
855 280.7

3.999
4.000
4.000
4.000

3.995
3.998
3.999
4.000

15.977
15.991
15.997
15.999

40
45
50
55

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
30%

Compound Interest Factors

Single Payment

30%

Uniform Payment Series

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.300
1.690
2.197
2.856
3.713

.7692
.5917
.4552
.3501
.2693

1.0000
.4348
.2506
.1616
.1106

1.3000
.7348
.5506
.4616
.4106

1.000
2.300
3.990
6.187
9.043

0.769
1.361
1.816
2.166
2.436

0
0.435
0.827
1.178
1.490

0
0.592
1.502
2.552
3.630

1
2
3
4
5

6
7
8
9
10

4.827
6.275
8.157
10.604
13.786

.2072
.1594
.1226
.0943
.0725

.0784
.0569
.0419
.0312
.0235

.3784
.3569
.3419
.3312
.3235

12.756
17.583
23.858
32.015
42.619

2.643
2.802
2.925
3.019
3.092

1.765
2.006
2.216
2.396
2.551

4.666
5.622
6.480
7.234
7.887

6
7
8
9
10

11
12
13
14
15

17.922
23.298
30.287
39.374
51.186

.0558
.0429
.0330
.0254
.0195

.0177
.0135
.0102
.00782
.00598

.3177
.3135
.3102
.3078
.3060

56.405
74.327
97.625
127.912
167.286

3.147
3.190
3.223
3.249
3.268

2.683
2.795
2.889
2.969
3.034

8.445
8.917
9.314
9.644
9.917

11
12
13
14
15

16
17
18
19
20

66.542
86.504
112.455
146.192
190.049

.0150
.0116
.00889
.00684
.00526

.00458
.00351
.00269
.00207
.00159

.3046
.3035
.3027
.3021
.3016

218.472
285.014
371.518
483.973
630.165

3.283
3.295
3.304
3.311
3.316

3.089
3.135
3.172
3.202
3.228

10.143
10.328
10.479
10.602
10.702

16
17
18
19
20

21
22
23
24
25

247.064
321.184
417.539
542.800
705.640

.00405
.00311
.00239
.00184
.00142

.00122
.00094
.00072
.00055
.00043

.3012
.3009
.3007
.3006
.3004

820.214
1 067.3
1 388.5
1 806.0
2 348.8

3.320
3.323
3.325
3.327
3.329

3.248
3.265
3.278
3.289
3.298

10.783
10.848
10.901
10.943
10.977

21
22
23
24
25

26
27
28
29
30

917.332
1 192.5
1 550.3
2 015.4
2 620.0

.00109
.00084
.00065
.00050
.00038

.00033
.00025
.00019
.00015
.00011

.3003
.3003
.3002
.3001
.3001

3 054.4
3 971.8
5 164.3
6 714.6
8 730.0

3.330
3.331
3.331
3.332
3.332

3.305
3.311
3.315
3.319
3.322

11.005
11.026
11.044
11.058
11.069

26
27
28
29
30

31
32
33
34
35

3 406.0
4 427.8
5 756.1
7 483.0
9 727.8

.00029
.00023
.00017
.00013
.00010

.00009
.00007
.00005
.00004
.00003

.3001
.3001
.3001
.3000
.3000

11 350.0
14 756.0
19 183.7
24 939.9
32 422.8

3.332
3.333
3.333
3.333
3.333

3.324
3.326
3.328
3.329
3.330

11.078
11.085
11.090
11.094
11.098

31
32
33
34
35

40
45

36 118.8
134 106.5

.00003
.00001

.00001

.3000
.3000

120 392.6
447 018.3

3.333
3.333

3.332
3.333

11.107
11.110

40
45

Sinking
Fund
Factor
Find A
Given F
A/F

619

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
620 APPENDIX C: COMPOUND INTEREST TABLES
35%

Compound Interest Factors

Single Payment

35%

Uniform Payment Series

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.350
1.822
2.460
3.322
4.484

.7407
.5487
.4064
.3011
.2230

1.0000
.4255
.2397
.1508
.1005

1.3500
.7755
.5897
.5008
.4505

1.000
2.350
4.173
6.633
9.954

0.741
1.289
1.696
1.997
2.220

0
0.426
0.803
1.134
1.422

0
0.549
1.362
2.265
3.157

1
2
3
4
5

6
7
8
9
10

6.053
8.172
11.032
14.894
20.107

.1652
.1224
.0906
.0671
.0497

.0693
.0488
.0349
.0252
.0183

.4193
.3988
.3849
.3752
.3683

14.438
20.492
28.664
39.696
54.590

2.385
2.508
2.598
2.665
2.715

1.670
1.881
2.060
2.209
2.334

3.983
4.717
5.352
5.889
6.336

6
7
8
9
10

11
12
13
14
15

27.144
36.644
49.470
66.784
90.158

.0368
.0273
.0202
.0150
.0111

.0134
.00982
.00722
.00532
.00393

.3634
.3598
.3572
.3553
.3539

74.697
101.841
138.485
187.954
254.739

2.752
2.779
2.799
2.814
2.825

2.436
2.520
2.589
2.644
2.689

6.705
7.005
7.247
7.442
7.597

11
12
13
14
15

16
17
18
19
20

121.714
164.314
221.824
299.462
404.274

.00822
.00609
.00451
.00334
.00247

.00290
.00214
.00158
.00117
.00087

.3529
.3521
.3516
.3512
.3509

344.897
466.611
630.925
852.748
1 152.2

2.834
2.840
2.844
2.848
2.850

2.725
2.753
2.776
2.793
2.808

7.721
7.818
7.895
7.955
8.002

16
17
18
19
20

21
22
23
24
25

545.769
736.789
994.665
1 342.8
1 812.8

.00183
.00136
.00101
.00074
.00055

.00064
.00048
.00035
.00026
.00019

.3506
.3505
.3504
.3503
.3502

1 556.5
2 102.3
2 839.0
3 833.7
5 176.5

2.852
2.853
2.854
2.855
2.856

2.819
2.827
2.834
2.839
2.843

8.038
8.067
8.089
8.106
8.119

21
22
23
24
25

26
27
28
29
30

2 447.2
3 303.8
4 460.1
6 021.1
8 128.5

.00041
.00030
.00022
.00017
.00012

.00014
.00011
.00008
.00006
.00004

.3501
.3501
.3501
.3501
.3500

6 989.3
9 436.5
12 740.3
17 200.4
23 221.6

2.856
2.856
2.857
2.857
2.857

2.847
2.849
2.851
2.852
2.853

8.130
8.137
8.143
8.148
8.152

26
27
28
29
30

31
32
33
34
35

10 973.5
14 814.3
19 999.3
26 999.0
36 448.7

.00009
.00007
.00005
.00004
.00003

.00003
.00002
.00002
.00001
.00001

.3500
.3500
.3500
.3500
.3500

31 350.1
42 323.7
57 137.9
77 137.2
104 136.3

2.857
2.857
2.857
2.857
2.857

2.854
2.855
2.855
2.856
2.856

8.154
8.157
8.158
8.159
8.160

31
32
33
34
35

Sinking
Fund
Factor
Find A
Given F
A/F

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Arithmetic Gradient
Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

i
i

i
APPENDIX C: COMPOUND INTEREST TABLES
40%

Compound Interest Factors

Single Payment
Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.400
1.960
2.744
3.842
5.378

.7143
.5102
.3644
.2603
.1859

6
7
8
9
10

7.530
10.541
14.758
20.661
28.925

11
12
13
14
15
16
17
18
19
20

40%

Uniform Payment Series

Sinking
Fund
Factor
Find A
Given F
A/F

621

Arithmetic Gradient

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1.0000
.4167
.2294
.1408
.0914

1.4000
.8167
.6294
.5408
.4914

1.000
2.400
4.360
7.104
10.946

0.714
1.224
1.589
1.849
2.035

0
0.417
0.780
1.092
1.358

0
0.510
1.239
2.020
2.764

1
2
3
4
5

.1328
.0949
.0678
.0484
.0346

.0613
.0419
.0291
.0203
.0143

.4613
.4419
.4291
.4203
.4143

16.324
23.853
34.395
49.153
69.814

2.168
2.263
2.331
2.379
2.414

1.581
1.766
1.919
2.042
2.142

3.428
3.997
4.471
4.858
5.170

6
7
8
9
10

40.496
56.694
79.371
111.120
155.568

.0247
.0176
.0126
.00900
.00643

.0101
.00718
.00510
.00363
.00259

.4101
.4072
.4051
.4036
.4026

98.739
139.235
195.929
275.300
386.420

2.438
2.456
2.469
2.478
2.484

2.221
2.285
2.334
2.373
2.403

5.417
5.611
5.762
5.879
5.969

11
12
13
14
15

217.795
304.913
426.879
597.630
836.682

.00459
.00328
.00234
.00167
.00120

.00185
.00132
.00094
.00067
.00048

.4018
.4013
.4009
.4007
.4005

541.988
759.783
1 064.7
1 419.6
2 089.2

2.489
2.492
2.494
2.496
2.497

2.426
2.444
2.458
2.468
2.476

6.038
6.090
6.130
6.160
6.183

16
17
18
19
20

21
22
23
24
25

1 171.4
1 639.9
2 295.9
3 214.2
4 499.9

.00085
.00061
.00044
.00031
.00022

.00034
.00024
.00017
.00012
.00009

.4003
.4002
.4002
.4001
.4001

2 925.9
4 097.2
5 737.1
8 033.0
11 247.2

2.498
2.498
2.499
2.499
2.499

2.482
2.487
2.490
2.493
2.494

6.200
6.213
6.222
6.229
6.235

21
22
23
24
25

26
27
28
29
30

6 299.8
8 819.8
12 347.7
17 286.7
24 201.4

.00016
.00011
.00008
.00006
.00004

.00006
.00005
.00003
.00002
.00002

.4001
.4000
.4000
.4000
.4000

15 747.1
22 046.9
30 866.7
43 214.3
60 501.0

2.500
2.500
2.500
2.500
2.500

2.496
2.497
2.498
2.498
2.499

6.239
6.242
6.244
6.245
6.247

26
27
28
29
30

31
32
33
34
35

33 882.0
47 434.8
66 408.7
92 972.1
130 161.0

.00003
.00002
.00002
.00001
.00001

.00001
.00001
.00001

.4000
.4000
.4000
.4000
.4000

84 702.5
118 584.4
166 019.2
232 427.9
325 400.0

2.500
2.500
2.500
2.500
2.500

2.499
2.499
2.500
2.500
2.500

6.248
6.248
6.249
6.249
6.249

31
32
33
34
35

i
i

i
622 APPENDIX C: COMPOUND INTEREST TABLES
45%

Compound Interest Factors

Single Payment
Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.450
2.103
3.049
4.421
6.410

.6897
.4756
.3280
.2262
.1560

6
7
8
9
10

9.294
13.476
19.541
28.334
41.085

11
12
13
14
15
16
17
18
19
20

45%

Uniform Payment Series

Sinking
Fund
Factor
Find A
Given F
A/F

Arithmetic Gradient

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

1.0000
.4082
.2197
.1316
.0832

1.4500
.8582
.6697
.5816
.5332

1.000
2.450
4.553
7.601
12.022

0.690
1.165
1.493
1.720
1.876

0
0.408
0.758
1.053
1.298

0
0.476
1.132
1.810
2.434

1
2
3
4
5

.1076
.0742
.0512
.0353
.0243

.0543
.0361
.0243
.0165
.0112

.5043
.4861
.4743
.4665
.4612

18.431
27.725
41.202
60.743
89.077

1.983
2.057
2.109
2.144
2.168

1.499
1.661
1.791
1.893
1.973

2.972
3.418
3.776
4.058
4.277

6
7
8
9
10

59.573
86.381
125.252
181.615
263.342

.0168
.0116
.00798
.00551
.00380

.00768
.00527
.00362
.00249
.00172

.4577
.4553
.4536
.4525
.4517

130.162
189.735
276.115
401.367
582.982

2.185
2.196
2.204
2.210
2.214

2.034
2.082
2.118
2.145
2.165

4.445
4.572
4.668
4.740
4.793

11
12
13
14
15

381.846
553.677
802.831
1 164.1
1 688.0

.00262
.00181
.00125
.00086
.00059

.00118
.00081
.00056
.00039
.00027

.4512
.4508
.4506
.4504
.4503

846.325
1 228.2
1 781.8
2 584.7
3 748.8

2.216
2.218
2.219
2.220
2.221

2.180
2.191
2.200
2.206
2.210

4.832
4.861
4.882
4.898
4.909

16
17
18
19
20

21
22
23
24
25

2 447.5
3 548.9
5 145.9
7 461.6
10 819.3

.00041
.00028
.00019
.00013
.00009

.00018
.00013
.00009
.00006
.00004

.4502
.4501
.4501
.4501
.4500

5 436.7
7 884.3
11 433.2
16 579.1
24 040.7

2.221
2.222
2.222
2.222
2.222

2.214
2.216
2.218
2.219
2.220

4.917
4.923
4.927
4.930
4.933

21
22
23
24
25

26
27
28
29
30

15 688.0
22 747.7
32 984.1
47 826.9
69 349.1

.00006
.00004
.00003
.00002
.00001

.00003
.00002
.00001
.00001
.00001

.4500
.4500
.4500
.4500
.4500

34 860.1
50 548.1
73 295.8
106 279.9
154 106.8

2.222
2.222
2.222
2.222
2.222

2.221
2.221
2.221
2.222
2.222

4.934
4.935
4.936
4.937
4.937

26
27
28
29
30

31
32
33
34
35

100 556.1
145 806.4
211 419.3
306 558.0
444 509.2

.00001
.00001

.4500
.4500
.4500
.4500
.4500

223 455.9
324 012.0
469 818.5
681 237.8
987 795.9

2.222
2.222
2.222
2.222
2.222

2.222
2.222
2.222
2.222
2.222

4.938
4.938
4.938
4.938
4.938

31
32
33
34
35

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APPENDIX C: COMPOUND INTEREST TABLES
50%

Compound Interest Factors

Single Payment
Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.500
2.250
3.375
5.063
7.594

.6667
.4444
.2963
.1975
.1317

6
7
8
9
10

11.391
17.086
25.629
38.443
57.665

.0878
.0585
.0390
.0260
.0173

11
12
13
14
15

86.498
129.746
194.620
291.929
437.894

16
17
18
19
20

656.814
985.261
1 477.9
2 216.8
3 325.3

50%

Uniform Payment Series

Sinking
Fund
Factor
Find A
Given F
A/F

623

Arithmetic Gradient

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

1.5000
.9000
.7105
.6231
.5758

1.000
2.500
4.750
8.125
13.188

0.667
1.111
1.407
1.605
1.737

0
0.400
0.737
1.015
1.242

0
0.444
1.037
1.630
2.156

1
2
3
4
5

.0481
.0311
.0203
.0134
.00882

.5481
.5311
.5203
.5134
.5088

20.781
32.172
49.258
74.887
113.330

1.824
1.883
1.922
1.948
1.965

1.423
1.565
1.675
1.760
1.824

2.595
2.947
3.220
3.428
3.584

6
7
8
9
10

.0116
.00771
.00514
.00343
.00228

.00585
.00388
.00258
.00172
.00114

.5058
.5039
.5026
.5017
.5011

170.995
257.493
387.239
581.859
873.788

1.977
1.985
1.990
1.993
1.995

1.871
1.907
1.933
1.952
1.966

3.699
3.784
3.846
3.890
3.922

11
12
13
14
15

.00152
.00101
.00068
.00045
.00030

.00076
.00051
.00034
.00023
.00015

.5008
.5005
.5003
.5002
.5002

1 311.7
1 968.5
2 953.8
4 431.7
6 648.5

1.997
1.998
1.999
1.999
1.999

1.976
1.983
1.988
1.991
1.994

3.945
3.961
3.973
3.981
3.987

16
17
18
19
20

1.0000
.4000
.2105
.1231
.0758

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

21
22
23
24
25

4 987.9
7 481.8
11 222.7
16 834.1
25 251.2

.00020
.00013
.00009
.00006
.00004

.00010
.00007
.00004
.00003
.00002

.5001
.5001
.5000
.5000
.5000

9 973.8
14 961.7
22 443.5
33 666.2
50 500.3

2.000
2.000
2.000
2.000
2.000

1.996
1.997
1.998
1.999
1.999

3.991
3.994
3.996
3.997
3.998

21
22
23
24
25

26
27
28
29
30

37 876.8
56 815.1
85 222.7
127 834.0
191 751.1

.00003
.00002
.00001
.00001
.00001

.00001
.00001
.00001

.5000
.5000
.5000
.5000
.5000

75 751.5
113 628.3
170 443.4
255 666.1
383 500.1

2.000
2.000
2.000
2.000
2.000

1.999
2.000
2.000
2.000
2.000

3.999
3.999
3.999
4.000
4.000

26
27
28
29
30

31
32

287 626.6
431 439.9

.5000
.5000

575 251.2
862 877.8

2.000
2.000

2.000
2.000

4.000
4.000

31
32

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624 APPENDIX C: COMPOUND INTEREST TABLES
60%

Compound Interest Factors

Single Payment
Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

1
2
3
4
5

1.600
2.560
4.096
6.554
10.486

.6250
.3906
.2441
.1526
.0954

6
7
8
9
10

16.777
26.844
42.950
68.719
109.951

.0596
.0373
.0233
.0146
.00909

11
12
13
14
15

175.922
281.475
450.360
720.576
1 152.9

60%

Uniform Payment Series

Sinking
Fund
Factor
Find A
Given F
A/F

Arithmetic Gradient

Capital
Recovery
Factor
Find A
Given P
A/P

Compound
Amount
Factor
Find F
Given A
F/A

1.6000
.9846
.7938
.7080
.6633

1.000
2.600
5.160
9.256
15.810

0.625
1.016
1.260
1.412
1.508

0
0.385
0.698
0.946
1.140

0
0.391
0.879
1.337
1.718

1
2
3
4
5

.0380
.0232
.0143
.00886
.00551

.6380
.6232
.6143
.6089
.6055

26.295
43.073
69.916
112.866
181.585

1.567
1.605
1.628
1.642
1.652

1.286
1.396
1.476
1.534
1.575

2.016
2.240
2.403
2.519
2.601

6
7
8
9
10

.00568
.00355
.00222
.00139
.00087

.00343
.00214
.00134
.00083
.00052

.6034
.6021
.6013
.6008
.6005

291.536
467.458
748.933
1 199.3
1 919.9

1.657
1.661
1.663
1.664
1.665

1.604
1.624
1.638
1.647
1.654

2.658
2.697
2.724
2.742
2.754

11
12
13
14
15

1.0000
.3846
.1938
.1080
.0633

Present
Worth
Factor
Find P
Given A
P/A

Gradient
Uniform
Series
Find A
Given G
A/G

Gradient
Present
Worth
Find P
Given G
P/G

16
17
18
19
20

1 844.7
2 951.5
4 722.4
7 555.8
12 089.3

.00054
.00034
.00021
.00013
.00008

.00033
.00020
.00013
.00008
.00005

.6003
.6002
.6001
.6011
.6000

3 072.8
4 917.5
7 868.9
12 591.3
20 147.1

1.666
1.666
1.666
1.666
1.667

1.658
1.661
1.663
1.664
1.665

2.762
2.767
2.771
2.773
2.775

16
17
18
19
20

21
22
23
24
25

19 342.8
30 948.5
49 517.6
79 228.1
126 765.0

.00005
.00003
.00002
.00001
.00001

.00003
.00002
.00001
.00001

.6000
.6000
.6000
.6000
.6000

32 236.3
51 579.2
82 527.6
132 045.2
211 273.4

1.667
1.667
1.667
1.667
1.667

1.666
1.666
1.666
1.666
1.666

2.776
2.777
2.777
2.777
2.777

21
22
23
24
25

26
27
28

202 824.0
324 518.4
519 229.5

.6000
.6000
.6000

338 038.4
540 862.4
865 380.9

1.667
1.667
1.667

1.667
1.667
1.667

2.778
2.778
2.778

26
27
28

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APPENDIX C: COMPOUND INTEREST TABLES

625

Continuous CompoundingSingle Payment Factors

rn
.01
.02
.03
.04
.05
.06
.07
.08
.09
.10
.11
.12
.13
.14
.15
.16
.17
.18
.19
.20
.21
.22
.23
.24
.25
.26
.27
.28
.29
.30
.31
.32
.33
.34
.35
.36
.37
.38
.39
.40
.41
.42
.43
.44
.45
.46
.47
.48
.49
.50

Compound
Amount
Factor
ern
Find F
Given P
F/P
1.0101
1.0202
1.0305
1.0408
1.0513
1.0618
1.0725
1.0833
1.0942
1.1052
1.1163
1.1275
1.1388
1.1503
1.1618
1.1735
1.1853
1.1972
1.2092
1.2214
1.2337
1.2461
1.2586
1.2712
1.2840
1.2969
1.3100
1.3231
1.3364
1.3499
1.3634
1.3771
1.3910
1.4049
1.4191
1.4333
1.4477
1.4623
1.4770
1.4918
1.5068
1.5220
1.5373
1.5527
1.5683
1.5841
1.6000
1.6161
1.6323
1.6487

Present
Worth
Factor
ern
Find P
Find F
P/F
.9900
.9802
.9704
.9608
.9512
.9418
.9324
.9231
.9139
.9048
.8958
.8869
.8781
.8694
.8607
.8521
.8437
.8353
.8270
.8187
.8106
.8025
.7945
.7866
.7788
.7711
.7634
.7558
.7483
.7408
.7334
.7261
.7189
.7118
.7047
.6977
.6907
.6839
.6771
.6703
.6637
.6570
.6505
.6440
.6376
.6313
.6250
.6188
.6126
.6065

rn
.51
.52
.53
.54
.55
.56
.57
.58
.59
.60
.61
.62
.63
.64
.65
.66
.67
.68
.69
.70
.71
.72
.73
.74
.75
.76
.77
.78
.79
.80
.81
.82
.83
.84
.85
.86
.87
.88
.89
.90
.91
.92
.93
.94
.95
.96
.97
.98
.99
1.00

Compound
Amount
Factor
ern
Find F
Given P
F/P
1.6653
1.6820
1.6989
1.7160
1.7333
1.7507
1.7683
1.7860
1.8040
1.8221
1.8404
1.8589
1.8776
1.8965
1.9155
1.9348
1.9542
1.9739
1.9937
2.0138
2.0340
2.0544
2.0751
2.0959
2.1170
2.1383
2.1598
2.1815
2.2034
2.2255
2.2479
2.2705
2.2933
2.3164
2.3396
2.3632
2.3869
2.4109
2.4351
2.4596
2.4843
2.5093
2.5345
2.5600
2.5857
2.6117
2.6379
2.6645
2.6912
2.7183

Present
Worth
Factor
ern
Find P
Given F
P/F
.6005
.5945
.5886
.5827
.5769
.5712
.5655
.5599
.5543
.5488
.5434
.5379
.5326
.5273
.5220
.5169
.5117
.5066
.5016
.4966
.4916
.4868
.4819
.4771
.4724
.4677
.4630
.4584
.4538
.4493
.4449
.4404
.4360
.4317
.4274
.4232
.4190
.4148
.4107
.4066
.4025
.3985
.3946
.3906
.3867
.3829
.3791
.3753
.3716
.3679

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