Discrete Compounding Table

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APPENDIX
End-of-Period Compound
Interest Tables
Tables Included in Appendix
.25%
3%
9%
15%
25%
70%
.50%
4%
10%
16%
30%
80%
.75%
5%
11%
17%
35%
90%
1%
6%
12%
18%
40%
100%
1.5%
7%
13%
19%
50%
2%
8%
14%
20%
60%
Limits of the Factors

Factor
(F/P,i,N )
(P/F,i, N)
(A/P,i, N )
(P/A,i, N )
(A/F,i, N)
(F/A,i, N)
(P/G,i, N)
(A/G, i, N )
When N =
When i = 0
0
i
1/i
0
1/i2
1/i
1
1
1/N
N
1/N
N
N(N 1)/2
(N 1)/2
551
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END-OF-PERIOD COMPOUND INTEREST TABLES
0.25%
End-of-Period Compound Interest Factors

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
Compound
Amount
Factor
F/P
1.003
1.005
1.008
1.010
1.013
1.015
1.018
1.020
1.023
1.025
1.028
1.030
1.033
1.036
1.038
1.041
1.043
1.046
1.049
1.051
1.054
1.056
1.059
1.062
1.064
1.067
1.070
1.072
1.075
1.078
1.080
1.083
1.086
1.089
1.091
1.094
1.105
1.127
1.133
1.162
1.191
1.197
1.221
1.252
1.284
1.349
1.821
2.457
3.315
Present
Worth
Factor
P/F
.9975
.9950
.9925
.9901
.9876
.9851
.9827
.9802
.9778
.9753
.9729
.9705
.9681
.9656
.9632
.9608
.9584
.9561
.9537
.9513
.9489
.9466
.9442
.9418
.9395
.9371
.9348
.9325
.9301
.9278
.9255
.9232
.9209
.9186
.9163
.9140
.9050
.8871
.8826
.8609
.8396
.8355
.8189
.7987
.7790
.7411
.5492
.4070
.3016
0
Uniform Payment Series
0.25%
Arithmetic Gradient
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
1.0025
.5019
.3350
.2516
.2015
.1681
.1443
.1264
.1125
.1014
.0923
.0847
.0783
.0728
.0680
.0638
.0602
.0569
.0540
.0513
.0489
.0468
.0448
.0430
.0413
.0398
.0383
.0370
.0358
.0346
.0336
.0326
.0316
.0307
.0299
.0291
.0263
.0221
.0213
.0180
.0156
.0152
.0138
.0124
.0113
.00966
.00555
.00422
.00358
.0025
.998
1.993
2.985
3.975
4.963
5.948
6.931
7.911
8.889
9.864
10.837
11.807
12.775
13.741
14.704
15.665
16.623
17.580
18.533
19.484
20.433
21.380
22.324
23.266
24.205
25.143
26.077
27.010
27.940
28.868
29.793
30.717
31.638
32.556
33.472
34.386
38.020
45.179
46.946
55.652
64.144
65.817
72.426
80.504
88.382
103.6
180.3
237.2
279.3
400
1.0000
.4994
.3325
.2491
.1990
.1656
.1418
.1239
.1100
.0989
.0898
.0822
.0758
.0703
.0655
.0613
.0577
.0544
.0515
.0488
.0464
.0443
.0423
.0405
.0388
.0373
.0358
.0345
.0333
.0321
.0311
.0301
.0291
.0282
.0274
.0266
.0238
.0196
.0188
.0155
.0131
.0127
.0113
.00992
.00881
.00716
.00305
.00172
.00108
0
1.000
2.002
3.008
4.015
5.025
6.038
7.053
8.070
9.091
10.113
11.139
12.166
13.197
14.230
15.265
16.304
17.344
18.388
19.434
20.482
21.533
22.587
23.644
24.703
25.765
26.829
27.896
28.966
30.038
31.113
32.191
33.272
34.355
35.441
36.529
37.621
42.013
50.931
53.189
64.647
76.394
78.779
88.439
100.8
113.4
139.7
328.3
582.7
926.1
0
.995
2.980
5.950
9.901
14.826
20.722
27.584
35.406
44.184
53.913
64.589
76.205
88.759
102.244
116.657
131.992
148.245
165.411
183.485
202.463
222.341
243.113
264.775
287.323
310.752
335.057
360.233
386.278
413.185
440.950
469.570
499.039
529.353
560.508
592.499
728.740
1040.055
1125.777
1600
2148
2266
2764
3447
4191
5852
19399
36264
53821
160000
0
.499
.998
1.497
1.995
2.493
2.990
3.487
3.983
4.479
4.975
5.470
5.965
6.459
6.953
7.447
7.940
8.433
8.925
9.417
9.908
10.400
10.890
11.380
11.870
12.360
12.849
13.337
13.825
14.313
14.800
15.287
15.774
16.260
16.745
17.231
19.167
23.021
23.980
28.751
33.481
34.422
38.169
42.816
47.422
56.508
107.586
152.890
192.670
400
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
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0.50%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
553
0.50%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
1.005
1.010
1.015
1.020
1.025
1.030
1.036
1.041
1.046
1.051
1.056
1.062
1.067
1.072
1.078
1.083
1.088
1.094
1.099
1.105
1.110
1.116
1.122
1.127
1.133
1.138
1.144
1.150
1.156
1.161
1.167
1.173
1.179
1.185
1.191
1.197
1.221
1.270
1.283
1.349
1.418
1.432
1.490
1.567
1.647
1.819
3.310
6.023
10.957
.9950
.9901
.9851
.9802
.9754
.9705
.9657
.9609
.9561
.9513
.9466
.9419
.9372
.9326
.9279
.9233
.9187
.9141
.9096
.9051
.9006
.8961
.8916
.8872
.8828
.8784
.8740
.8697
.8653
.8610
.8567
.8525
.8482
.8440
.8398
.8356
.8191
.7871
.7793
.7414
.7053
.6983
.6710
.6383
.6073
.5496
.3021
.1660
.0913
0
1.0050
.5038
.3367
.2531
.2030
.1696
.1457
.1278
.1139
.1028
.0937
.0861
.0796
.0741
.0694
.0652
.0615
.0582
.0553
.0527
.0503
.0481
.0461
.0443
.0427
.0411
.0397
.0384
.0371
.0360
.0349
.0339
.0329
.0321
.0312
.0304
.0276
.0235
.0227
.0193
.0170
.0166
.0152
.0138
.0127
.0111
.00716
.00600
.00550
.005
.995
1.985
2.970
3.950
4.926
5.896
6.862
7.823
8.779
9.730
10.677
11.619
12.556
13.489
14.417
15.340
16.259
17.173
18.082
18.987
19.888
20.784
21.676
22.563
23.446
24.324
25.198
26.068
26.933
27.794
28.651
29.503
30.352
31.196
32.035
32.871
36.172
42.580
44.143
51.726
58.939
60.340
65.802
72.331
78.543
90.073
139.6
166.8
181.7
200
1.0000
.4988
.3317
.2481
.1980
.1646
.1407
.1228
.1089
.0978
.0887
.0811
.0746
.0691
.0644
.0602
.0565
.0532
.0503
.0477
.0453
.0431
.0411
.0393
.0377
.0361
.0347
.0334
.0321
.0310
.0299
.0289
.0279
.0271
.0262
.0254
.0226
.0185
.0177
.0143
.0120
.0116
.0102
.00883
.00773
.00610
.00216
.00100
.00050
0
1.000
2.005
3.015
4.030
5.050
6.076
7.106
8.141
9.182
10.228
11.279
12.336
13.397
14.464
15.537
16.614
17.697
18.786
19.880
20.979
22.084
23.194
24.310
25.432
26.559
27.692
28.830
29.975
31.124
32.280
33.441
34.609
35.782
36.961
38.145
39.336
44.159
54.098
56.645
69.770
83.566
86.409
98.068
113.3
129.3
163.9
462.0
1004.5
1991.5
0
.990
2.960
5.901
9.803
14.655
20.449
27.176
34.824
43.386
52.853
63.214
74.460
86.583
99.574
113.424
128.123
143.663
160.036
177.232
195.243
214.061
233.677
254.082
275.269
297.228
319.952
343.433
367.663
392.632
418.335
444.762
471.906
499.758
528.312
557.560
681.335
959.919
1035.697
1449
1914
2012
2425
2976
3563
4824
13416
21403
27588
40000
Uniform
Payment
Factor
A/G
0
.499
.997
1.494
1.990
2.485
2.980
3.474
3.967
4.459
4.950
5.441
5.930
6.419
6.907
7.394
7.880
8.366
8.850
9.334
9.817
10.299
10.781
11.261
11.741
12.220
12.698
13.175
13.651
14.126
14.601
15.075
15.548
16.020
16.492
16.962
18.836
22.544
23.462
28.006
32.468
33.350
36.847
41.145
45.361
53.551
96.113
128.324
151.795
200
N
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
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0.75%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
0.75%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
1.008
1.015
1.023
1.030
1.038
1.046
1.054
1.062
1.070
1.078
1.086
1.094
1.102
1.110
1.119
1.127
1.135
1.144
1.153
1.161
1.170
1.179
1.188
1.196
1.205
1.214
1.224
1.233
1.242
1.251
1.261
1.270
1.280
1.289
1.299
1.309
1.348
1.431
1.453
1.566
1.687
1.713
1.818
1.959
2.111
2.451
6.009
14.73
36.11
.9926
.9852
.9778
.9706
.9633
.9562
.9490
.9420
.9350
.9280
.9211
.9142
.9074
.9007
.8940
.8873
.8807
.8742
.8676
.8612
.8548
.8484
.8421
.8358
.8296
.8234
.8173
.8112
.8052
.7992
.7932
.7873
.7815
.7757
.7699
.7641
.7416
.6986
.6883
.6387
.5927
.5839
.5500
.5104
.4737
.4079
.1664
.06789
.02769
1.0075
.5056
.3383
.2547
.2045
.1711
.1472
.1293
.1153
.1042
.0951
.0875
.0810
.0755
.0707
.0666
.0629
.0596
.0567
.0540
.0516
.0495
.0475
.0457
.0440
.0425
.0411
.0397
.0385
.0373
.0363
.0353
.0343
.0334
.0326
.0318
.0290
.0249
.0241
.0208
.0184
.0180
.0167
.0153
.0143
.0127
.00900
.00805
.00771
.0075
.993
1.978
2.956
3.926
4.889
5.846
6.795
7.737
8.672
9.600
10.521
11.435
12.342
13.243
14.137
15.024
15.905
16.779
17.647
18.508
19.363
20.211
21.053
21.889
22.719
23.542
24.359
25.171
25.976
26.775
27.568
28.356
29.137
29.913
30.683
31.447
34.447
40.185
41.566
48.173
54.305
55.477
59.994
65.275
70.175
78.942
111.145
124.282
129.641
133.333
1.0000
.4981
.3308
.2472
.1970
.1636
.1397
.1218
.1078
.0967
.0876
.0800
.0735
.0680
.0632
.0591
.0554
.0521
.0492
.0465
.0441
.0420
.0400
.0382
.0365
.0350
.0336
.0322
.0310
.0298
.0288
.0278
.0268
.0259
.0251
.0243
.0215
.0174
.0166
.0133
.0109
.0105
.00917
.00782
.00675
.00517
.001497
.000546
.000214
0
1.000
2.008
3.023
4.045
5.076
6.114
7.159
8.213
9.275
10.344
11.422
12.508
13.601
14.703
15.814
16.932
18.059
19.195
20.339
21.491
22.652
23.822
25.001
26.188
27.385
28.590
29.805
31.028
32.261
33.503
34.754
36.015
37.285
38.565
39.854
41.153
46.446
57.521
60.394
75.424
91.620
95.007
109.1
127.9
148.1
193.5
668
1831
4681
.985
2.941
5.852
9.706
14.487
20.181
26.775
34.254
42.606
51.817
61.874
72.763
84.472
96.988
110.297
124.389
139.249
154.867
171.230
188.325
206.142
224.668
243.892
263.803
284.389
305.639
327.542
350.087
373.263
397.060
421.468
446.475
472.071
498.247
524.992
637.469
886.840
953.849
1314
1709
1791
2132
2578
3041
3999
9494
13312
15513
17778
Uniform
Payment
Factor
A/G
0
.498
.995
1.491
1.985
2.478
2.970
3.461
3.950
4.438
4.925
5.411
5.895
6.379
6.861
7.341
7.821
8.299
8.776
9.252
9.726
10.199
10.671
11.142
11.612
12.080
12.547
13.013
13.477
13.941
14.403
14.864
15.323
15.782
16.239
16.695
18.506
22.069
22.948
27.266
31.463
32.288
35.539
39.495
43.331
50.652
85.421
107.114
119.662
133.333
N
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
esch_app_b.qxd
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1%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
1%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
1.010
1.020
1.030
1.041
1.051
1.062
1.072
1.083
1.094
1.105
1.116
1.127
1.138
1.149
1.161
1.173
1.184
1.196
1.208
1.220
1.232
1.245
1.257
1.270
1.282
1.295
1.308
1.321
1.335
1.348
1.361
1.375
1.389
1.403
1.417
1.431
1.489
1.612
1.645
1.817
2.007
2.047
2.217
2.449
2.705
3.300
10.89
35.95
118.65
.9901
.9803
.9706
.9610
.9515
.9420
.9327
.9235
.9143
.9053
.8963
.8874
.8787
.8700
.8613
.8528
.8444
.8360
.8277
.8195
.8114
.8034
.7954
.7876
.7798
.7720
.7644
.7568
.7493
.7419
.7346
.7273
.7201
.7130
.7059
.6989
.6717
.6203
.6080
.5504
.4983
.4885
.4511
.4084
.3697
.3030
.09181
.02782
.00843
1.0100
.5075
.3400
.2563
.2060
.1725
.1486
.1307
.1167
.1056
.0965
.0888
.0824
.0769
.0721
.0679
.0643
.0610
.0581
.0554
.0530
.0509
.0489
.0471
.0454
.0439
.0424
.0411
.0399
.0387
.0377
.0367
.0357
.0348
.0340
.0332
.0305
.0263
.0255
.0222
.0199
.0196
.0182
.0169
.0159
.0143
.0110
.0103
.0101
.01
.990
1.970
2.941
3.902
4.853
5.795
6.728
7.652
8.566
9.471
10.368
11.255
12.134
13.004
13.865
14.718
15.562
16.398
17.226
18.046
18.857
19.660
20.456
21.243
22.023
22.795
23.560
24.316
25.066
25.808
26.542
27.270
27.990
28.703
29.409
30.108
32.835
37.974
39.196
44.955
50.169
51.150
54.888
59.161
63.029
69.701
90.819
97.218
99.157
100
1.0000
.4975
.3300
.2463
.1960
.1625
.1386
.1207
.1067
.0956
.0865
.0788
.0724
.0669
.0621
.0579
.0543
.0510
.0481
.0454
.0430
.0409
.0389
.0371
.0354
.0339
.0324
.0311
.0299
.0287
.0277
.0267
.0257
.0248
.0240
.0232
.0205
.0163
.0155
.0122
.00993
.00955
.00822
.00690
.00587
.00435
.00101
.000286
.000085
0
1.000
2.010
3.030
4.060
5.101
6.152
7.214
8.286
9.369
10.462
11.567
12.683
13.809
14.947
16.097
17.258
18.430
19.615
20.811
22.019
23.239
24.472
25.716
26.973
28.243
29.526
30.821
32.129
33.450
34.785
36.133
37.494
38.869
40.258
41.660
43.077
48.886
61.223
64.463
81.670
100.7
104.7
121.7
144.9
170.5
230.0
989
3495
11765
555
.980
2.921
5.804
9.610
14.321
19.917
26.381
33.696
41.843
50.807
60.569
71.113
82.422
94.481
107.273
120.783
134.996
149.895
165.466
181.695
198.566
216.066
234.180
252.894
272.196
292.070
312.505
333.486
355.002
377.039
399.586
422.629
446.157
470.158
494.621
596.856
820.146
879.418
1192.806
1528.647
1597.867
1879.877
2240.567
2605.776
3334.115
6878.602
8720.432
9511.158
10000
Uniform
Payment
Factor
A/G
0
.498
.993
1.488
1.980
2.471
2.960
3.448
3.934
4.418
4.901
5.381
5.861
6.338
6.814
7.289
7.761
8.232
8.702
9.169
9.635
10.100
10.563
11.024
11.483
11.941
12.397
12.852
13.304
13.756
14.205
14.653
15.099
15.544
15.987
16.428
18.178
21.598
22.436
26.533
30.470
31.239
34.249
37.872
41.343
47.835
75.739
89.699
95.920
100
N
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
esch_app_b.qxd
556
2/12/03
6:03 PM
Page 556
1.5%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
1.5%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
1.015
1.030
1.046
1.061
1.077
1.093
1.110
1.126
1.143
1.161
1.178
1.196
1.214
1.232
1.250
1.269
1.288
1.307
1.327
1.347
1.367
1.388
1.408
1.430
1.451
1.473
1.495
1.517
1.540
1.563
1.587
1.610
1.634
1.659
1.684
1.709
1.814
2.043
2.105
2.443
2.835
2.921
3.291
3.819
4.432
5.969
35.63
212.70
1269.70
.9852
.9707
.9563
.9422
.9283
.9145
.9010
.8877
.8746
.8617
.8489
.8364
.8240
.8118
.7999
.7880
.7764
.7649
.7536
.7425
.7315
.7207
.7100
.6995
.6892
.6790
.6690
.6591
.6494
.6398
.6303
.6210
.6118
.6028
.5939
.5851
.5513
.4894
.4750
.4093
.3527
.3423
.3039
.2619
.2256
.1675
.02806
.00470
.00079
1.0150
.5113
.3434
.2594
.2091
.1755
.1516
.1336
.1196
.1084
.0993
.0917
.0852
.0797
.0749
.0708
.0671
.0638
.0609
.0582
.0559
.0537
.0517
.0499
.0483
.0467
.0453
.0440
.0428
.0416
.0406
.0396
.0386
.0378
.0369
.0362
.0334
.0294
.0286
.0254
.0232
.0228
.0215
.0203
.0194
.0180
.0154
.0151
.0150
.015
.985
1.956
2.912
3.854
4.783
5.697
6.598
7.486
8.361
9.222
10.071
10.908
11.732
12.543
13.343
14.131
14.908
15.673
16.426
17.169
17.900
18.621
19.331
20.030
20.720
21.399
22.068
22.727
23.376
24.016
24.646
25.267
25.879
26.482
27.076
27.661
29.916
34.043
35.000
39.380
43.155
43.845
46.407
49.210
51.625
55.498
64.796
66.353
66.614
66.667
1.0000
.4963
.3284
.2444
.1941
.1605
.1366
.1186
.1046
.0934
.0843
.0767
.0702
.0647
.0599
.0558
.0521
.0488
.0459
.0432
.0409
.0387
.0367
.0349
.0333
.0317
.0303
.0290
.0278
.0266
.0256
.0246
.0236
.0228
.0219
.0212
.0184
.0144
.0136
.0104
.00817
.00781
.00655
.00532
.00437
.00302
.000433
.000071
.000012
0
1.000
2.015
3.045
4.091
5.152
6.230
7.323
8.433
9.559
10.703
11.863
13.041
14.237
15.450
16.682
17.932
19.201
20.489
21.797
23.124
24.471
25.838
27.225
28.634
30.063
31.514
32.987
34.481
35.999
37.539
39.102
40.688
42.299
43.933
45.592
47.276
54.268
69.565
73.683
96.215
122.4
128.1
152.7
187.9
228.8
331.3
2309
14114
84580
0
.971
2.883
5.710
9.423
13.996
19.402
25.616
32.612
40.367
48.857
58.057
67.945
78.499
89.697
101.518
113.940
126.943
140.508
154.615
169.245
184.380
200.001
216.090
232.631
249.607
267.000
284.796
302.978
321.531
340.440
359.691
379.269
399.161
419.352
439.830
524.357
703.546
749.964
988.167
1231.166
1279.794
1473.074
1709.544
1937.451
2359.711
3870.691
4310.716
4415.741
4444.444
0
.496
.990
1.481
1.970
2.457
2.940
3.422
3.901
4.377
4.851
5.323
5.792
6.258
6.722
7.184
7.643
8.100
8.554
9.006
9.455
9.902
10.346
10.788
11.228
11.665
12.099
12.531
12.961
13.388
13.813
14.236
14.656
15.073
15.488
15.901
17.528
20.667
21.428
25.093
28.529
29.189
31.742
34.740
37.530
42.519
59.737
64.966
66.288
66.667
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
esch_app_b.qxd
2/12/03
6:03 PM
Page 557

2%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
557
2%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
1.020
1.040
1.061
1.082
1.104
1.126
1.149
1.172
1.195
1.219
1.243
1.268
1.294
1.319
1.346
1.373
1.400
1.428
1.457
1.486
1.516
1.546
1.577
1.608
1.641
1.673
1.707
1.741
1.776
1.811
1.848
1.885
1.922
1.961
2.000
2.040
2.208
2.587
2.692
3.281
4.000
4.161
4.875
5.943
7.245
10.765
115.889
1248
13430
.9804
.9612
.9423
.9238
.9057
.8880
.8706
.8535
.8368
.8203
.8043
.7885
.7730
.7579
.7430
.7284
.7142
.7002
.6864
.6730
.6598
.6468
.6342
.6217
.6095
.5976
.5859
.5744
.5631
.5521
.5412
.5306
.5202
.5100
.5000
.4902
.4529
.3865
.3715
.3048
.2500
.2403
.2051
.1683
.1380
.0929
.00863
.00080
.00007
0
1.0200
.5150
.3468
.2626
.2122
.1785
.1545
.1365
.1225
.1113
.1022
.0946
.0881
.0826
.0778
.0737
.0700
.0667
.0638
.0612
.0588
.0566
.0547
.0529
.0512
.0497
.0483
.0470
.0458
.0446
.0436
.0426
.0417
.0408
.0400
.0392
.0366
.0326
.0318
.0288
.0267
.0263
.0252
.0240
.0232
.0220
.0202
.0200
.0200
.02
.980
1.942
2.884
3.808
4.713
5.601
6.472
7.325
8.162
8.983
9.787
10.575
11.348
12.106
12.849
13.578
14.292
14.992
15.678
16.351
17.011
17.658
18.292
18.914
19.523
20.121
20.707
21.281
21.844
22.396
22.938
23.468
23.989
24.499
24.999
25.489
27.355
30.673
31.424
34.761
37.499
37.984
39.745
41.587
43.098
45.355
49.569
49.960
49.996
50.
1.0000
.4950
.3268
.2426
.1922
.1585
.1345
.1165
.1025
.0913
.0822
.0746
.0681
.0626
.0578
.0537
.0500
.0467
.0438
.0412
.0388
.0366
.0347
.0329
.0312
.0297
.0283
.0270
.0258
.0246
.0236
.0226
.0217
.0208
.0200
.0192
.0166
.0126
.0118
.00877
.00667
.00633
.00516
.00405
.00320
.00205
.00017
.0000160
.0000015
0
1.000
2.020
3.060
4.122
5.204
6.308
7.434
8.583
9.755
10.950
12.169
13.412
14.680
15.974
17.293
18.639
20.012
21.412
22.841
24.297
25.783
27.299
28.845
30.422
32.030
33.671
35.344
37.051
38.792
40.568
42.379
44.227
46.112
48.034
49.994
51.994
60.402
79.354
84.579
114.1
150.0
158.1
193.8
247.2
312.2
488.3
5744
62328
671460
0
.961
2.846
5.617
9.240
13.680
18.903
24.878
31.572
38.955
46.998
55.671
64.948
74.800
85.202
96.129
107.555
119.458
131.814
144.600
157.796
171.379
185.331
199.630
214.259
229.199
244.431
259.939
275.706
291.716
307.954
324.403
341.051
357.882
374.883
392.040
461.993
605.966
642.361
823.698
999.834
1034.056
1166.787
1322.170
1464.753
1710.416
2374.880
2483.568
2498.027
2500
Uniform
Payment
Factor
A/G
0
.495
.987
1.475
1.960
2.442
2.921
3.396
3.868
4.337
4.802
5.264
5.723
6.179
6.631
7.080
7.526
7.968
8.407
8.843
9.276
9.705
10.132
10.555
10.974
11.391
11.804
12.214
12.621
13.025
13.426
13.823
14.217
14.608
14.996
15.381
16.889
19.756
20.442
23.696
26.663
27.223
29.357
31.793
33.986
37.711
47.911
49.711
49.964
50
N
1
2
3
4
5
6
7
8
9
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
40
48
50
60
70
72
80
90
100
120
240
360
480
esch_app_b.qxd
558
2/12/03
6:03 PM
Page 558
3%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
3%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
1.030
1.061
1.093
1.126
1.159
1.194
1.230
1.267
1.305
1.344
1.384
1.426
1.469
1.513
1.558
1.605
1.653
1.702
1.754
1.806
1.860
1.916
1.974
2.033
2.094
2.157
2.221
2.288
2.357
2.427
2.500
2.575
2.652
2.732
2.814
3.262
3.782
4.384
5.082
5.892
6.830
7.918
9.179
10.641
12.336
14.300
16.578
19.219
.9709
.9426
.9151
.8885
.8626
.8375
.8131
.7894
.7664
.7441
.7224
.7014
.6810
.6611
.6419
.6232
.6050
.5874
.5703
.5537
.5375
.5219
.5067
.4919
.4776
.4637
.4502
.4371
.4243
.4120
.4000
.3883
.3770
.3660
.3554
.3066
.2644
.2281
.1968
.1697
.1464
.1263
.1089
.0940
.0811
.0699
.0603
.0520
1.0300
.5226
.3535
.2690
.2184
.1846
.1605
.1425
.1284
.1172
.1081
.1005
.0940
.0885
.0838
.0796
.0760
.0727
.0698
.0672
.0649
.0627
.0608
.0590
.0574
.0559
.0546
.0533
.0521
.0510
.0500
.0490
.0482
.0473
.0465
.0433
.0408
.0389
.0373
.0361
.0351
.0343
.0337
.0331
.0326
.0323
.0319
.0316
.03
.971
1.913
2.829
3.717
4.580
5.417
6.230
7.020
7.786
8.530
9.253
9.954
10.635
11.296
11.938
12.561
13.166
13.754
14.324
14.877
15.415
15.937
16.444
16.936
17.413
17.877
18.327
18.764
19.188
19.600
20.000
20.389
20.766
21.132
21.487
23.115
24.519
25.730
26.774
27.676
28.453
29.123
29.702
30.201
30.631
31.002
31.323
31.599
33.333
1.0000
.4926
.3235
.2390
.1884
.1546
.1305
.1125
.0984
.0872
.0781
.0705
.0640
.0585
.0538
.0496
.0460
.0427
.0398
.0372
.0349
.0327
.0308
.0290
.0274
.0259
.0246
.0233
.0221
.0210
.0200
.0190
.0182
.0173
.0165
.0133
.0108
.00887
.00735
.00613
.00515
.00434
.00367
.00311
.00265
.00226
.00193
.00165
0
1.000
2.030
3.091
4.184
5.309
6.468
7.662
8.892
10.159
11.464
12.808
14.192
15.618
17.086
18.599
20.157
21.762
23.414
25.117
26.870
28.676
30.537
32.453
34.426
36.459
38.553
40.710
42.931
45.219
47.575
50.003
52.503
55.078
57.730
60.462
75.401
92.720
112.8
136.1
163.1
194.3
230.6
272.6
321.4
377.9
443.3
519.3
607.3
.943
2.773
5.438
8.889
13.076
17.955
23.481
29.612
36.309
43.533
51.248
59.420
68.014
77.000
86.348
96.028
106.014
116.279
126.799
137.550
148.509
159.657
170.971
182.434
194.026
205.731
217.532
229.414
241.361
253.361
265.399
277.464
289.544
301.627
361.750
420.632
477.480
531.741
583.053
631.201
676.087
717.698
756.087
791.353
823.630
853.074
879.854
1111.111
Uniform
Payment
Factor
A/G
0
.493
.980
1.463
1.941
2.414
2.882
3.345
3.803
4.256
4.705
5.148
5.587
6.021
6.450
6.874
7.294
7.708
8.118
8.523
8.923
9.319
9.709
10.095
10.477
10.853
11.226
11.593
11.956
12.314
12.668
13.017
13.362
13.702
14.037
15.650
17.156
18.558
19.860
21.067
22.184
23.215
24.163
25.035
25.835
26.567
27.235
27.844
33.333
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
esch_app_b.qxd
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6:03 PM
Page 559

4%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
559
4%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1.040
1.082
1.125
1.170
1.217
1.265
1.316
1.369
1.423
1.480
1.539
1.601
1.665
1.732
1.801
1.873
1.948
2.026
2.107
2.191
2.279
2.370
2.465
2.563
2.666
2.772
2.883
2.999
3.119
3.243
3.373
3.508
3.648
3.794
3.946
4.801
5.841
7.107
8.646
10.520
12.799
15.572
18.945
23.050
28.044
34.119
41.511
50.505
.9615
.9246
.8890
.8548
.8219
.7903
.7599
.7307
.7026
.6756
.6496
.6246
.6006
.5775
.5553
.5339
.5134
.4936
.4746
.4564
.4388
.4220
.4057
.3901
.3751
.3607
.3468
.3335
.3207
.3083
.2965
.2851
.2741
.2636
.2534
.2083
.1712
.1407
.1157
.0951
.0781
.0642
.0528
.0434
.0357
.0293
.0241
.0198
0
1.0400
.5302
.3603
.2755
.2246
.1908
.1666
.1485
.1345
.1233
.1141
.1066
.1001
.0947
.0899
.0858
.0822
.0790
.0761
.0736
.0713
.0692
.0673
.0656
.0640
.0626
.0612
.0600
.0589
.0578
.0569
.0559
.0551
.0543
.0536
.0505
.0483
.0466
.0452
.0442
.0434
.0427
.0422
.0418
.0415
.0412
.0410
.0408
.04
.962
1.886
2.775
3.630
4.452
5.242
6.002
6.733
7.435
8.111
8.760
9.385
9.986
10.563
11.118
11.652
12.166
12.659
13.134
13.590
14.029
14.451
14.857
15.247
15.622
15.983
16.330
16.663
16.984
17.292
17.588
17.874
18.148
18.411
18.665
19.793
20.720
21.482
22.109
22.623
23.047
23.395
23.680
23.915
24.109
24.267
24.398
24.505
25
1.0000
.4902
.3203
.2355
.1846
.1508
.1266
.1085
.0945
.0833
.0741
.0666
.0601
.0547
.0499
.0458
.0422
.0390
.0361
.0336
.0313
.0292
.0273
.0256
.0240
.0226
.0212
.0200
.0189
.0178
.0169
.0159
.0151
.0143
.0136
.0105
.00826
.00655
.00523
.00420
.00339
.00275
.00223
.00181
.00148
.00121
.000987
.000808
0
1.000
2.040
3.122
4.246
5.416
6.633
7.898
9.214
10.583
12.006
13.486
15.026
16.627
18.292
20.024
21.825
23.698
25.645
27.671
29.778
31.969
34.248
36.618
39.083
41.646
44.312
47.084
49.968
52.966
56.085
59.328
62.701
66.210
69.858
73.652
95.026
121.0
152.7
191.2
238.0
295.0
364.3
448.6
551.2
676.1
828.0
1013
1238
Present
Worth
Factor
P/G
0
.925
2.703
5.267
8.555
12.506
17.066
22.181
27.801
33.881
40.377
47.248
54.455
61.962
69.735
77.744
85.958
94.350
102.893
111.565
120.341
129.202
138.128
147.101
156.104
165.121
174.138
183.142
192.121
201.062
209.956
218.792
227.563
236.261
244.877
286.530
325.403
361.164
393.689
422.997
449.201
472.479
493.041
511.116
526.938
540.737
552.731
563.125
625
Uniform
Payment
Factor
A/G
0
.490
.974
1.451
1.922
2.386
2.843
3.294
3.739
4.177
4.609
5.034
5.453
5.866
6.272
6.672
7.066
7.453
7.834
8.209
8.578
8.941
9.297
9.648
9.993
10.331
10.664
10.991
11.312
11.627
11.937
12.241
12.540
12.832
13.120
14.477
15.705
16.812
17.807
18.697
19.491
20.196
20.821
21.372
21.857
22.283
22.655
22.980
25
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
esch_app_b.qxd
560
2/12/03
6:03 PM
Page 560
5%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1.050
1.103
1.158
1.216
1.276
1.340
1.407
1.477
1.551
1.629
1.710
1.796
1.886
1.980
2.079
2.183
2.292
2.407
2.527
2.653
2.786
2.925
3.072
3.225
3.386
3.556
3.733
3.920
4.116
4.322
4.538
4.765
5.003
5.253
5.516
7.040
8.985
11.467
14.636
18.679
23.840
30.426
38.833
49.561
63.254
80.730
103.0
131.5
.9524
.9070
.8638
.8227
.7835
.7462
.7107
.6768
.6446
.6139
.5847
.5568
.5303
.5051
.4810
.4581
.4363
.4155
.3957
.3769
.3589
.3418
.3256
.3101
.2953
.2812
.2678
.2551
.2429
.2314
.2204
.2099
.1999
.1904
.1813
.1420
.1113
.0872
.0683
.0535
.0419
.0329
.0258
.0202
.0158
.0124
.00971
.00760
1.0500
.5378
.3672
.2820
.2310
.1970
.1728
.1547
.1407
.1295
.1204
.1128
.1065
.1010
.0963
.0923
.0887
.0855
.0827
.0802
.0780
.0760
.0741
.0725
.0710
.0696
.0683
.0671
.0660
.0651
.0641
.0633
.0625
.0618
.0611
.0583
.0563
.0548
.0537
.0528
.0522
.0517
.0513
.0510
.0508
.0506
.0505
.0504
.05
.952
1.859
2.723
3.546
4.329
5.076
5.786
6.463
7.108
7.722
8.306
8.863
9.394
9.899
10.380
10.838
11.274
11.690
12.085
12.462
12.821
13.163
13.489
13.799
14.094
14.375
14.643
14.898
15.141
15.372
15.593
15.803
16.003
16.193
16.374
17.159
17.774
18.256
18.633
18.929
19.161
19.343
19.485
19.596
19.684
19.752
19.806
19.848
20
1.0000
.4878
.3172
.2320
.1810
.1470
.1228
.1047
.0907
.0795
.0704
.0628
.0565
.0510
.0463
.0423
.0387
.0355
.0327
.0302
.0280
.0260
.0241
.0225
.0210
.0196
.0183
.0171
.0160
.0151
.0141
.0133
.0125
.0118
.0111
.00828
.00626
.00478
.00367
.00283
.00219
.00170
.00132
.00103
.000803
.000627
.000490
.000383
0
1.000
2.050
3.153
4.310
5.526
6.802
8.142
9.549
11.027
12.578
14.207
15.917
17.713
19.599
21.579
23.657
25.840
28.132
30.539
33.066
35.719
38.505
41.430
44.502
47.727
51.113
54.669
58.403
62.323
66.439
70.761
75.299
80.064
85.067
90.320
120.8
159.7
209.3
272.7
353.6
456.8
588.5
756.7
971.2
1245
1595
2041
2610
5%
Present
Worth
Factor
P/G
0
.907
2.635
5.103
8.237
11.968
16.232
20.970
26.127
31.652
37.499
43.624
49.988
56.554
63.288
70.160
77.140
84.204
91.328
98.488
105.667
112.846
120.009
127.140
134.228
141.259
148.223
155.110
161.913
168.623
175.233
181.739
188.135
194.417
200.581
229.545
255.315
277.915
297.510
314.343
328.691
340.841
351.072
359.646
366.801
372.749
377.677
381.749
400
Uniform
Payment
Factor
A/G
0
.488
.967
1.439
1.903
2.358
2.805
3.245
3.676
4.099
4.514
4.922
5.322
5.713
6.097
6.474
6.842
7.203
7.557
7.903
8.242
8.573
8.897
9.214
9.524
9.827
10.122
10.411
10.694
10.969
11.238
11.501
11.757
12.006
12.250
13.377
14.364
15.223
15.966
16.606
17.154
17.621
18.018
18.353
18.635
18.871
19.069
19.234
20
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
esch_app_b.qxd
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6:03 PM
Page 561

6%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
6%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1.060
1.124
1.191
1.262
1.338
1.419
1.504
1.594
1.689
1.791
1.898
2.012
2.133
2.261
2.397
2.540
2.693
2.854
3.026
3.207
3.400
3.604
3.820
4.049
4.292
4.549
4.822
5.112
5.418
5.743
6.088
6.453
6.841
7.251
7.686
10.286
13.765
18.420
24.650
32.988
44.145
59.076
79.057
105.8
141.6
189.5
253.5
339.3
.9434
.8900
.8396
.7921
.7473
.7050
.6651
.6274
.5919
.5584
.5268
.4970
.4688
.4423
.4173
.3936
.3714
.3503
.3305
.3118
.2942
.2775
.2618
.2470
.2330
.2198
.2074
.1956
.1846
.1741
.1643
.1550
.1462
.1379
.1301
.0972
.0727
.0543
.0406
.0303
.0227
.0169
.0126
.00945
.00706
.00528
.00394
.00295
1.0600
.5454
.3741
.2886
.2374
.2034
.1791
.1610
.1470
.1359
.1268
.1193
.1130
.1076
.1030
.0990
.0954
.0924
.0896
.0872
.0850
.0830
.0813
.0797
.0782
.0769
.0757
.0746
.0736
.0726
.0718
.0710
.0703
.0696
.0690
.0665
.0647
.0634
.0625
.0619
.0614
.0610
.0608
.0606
.0604
.0603
.0602
.0602
.06
.943
1.833
2.673
3.465
4.212
4.917
5.582
6.210
6.802
7.360
7.887
8.384
8.853
9.295
9.712
10.106
10.477
10.828
11.158
11.470
11.764
12.042
12.303
12.550
12.783
13.003
13.211
13.406
13.591
13.765
13.929
14.084
14.230
14.368
14.498
15.046
15.456
15.762
15.991
16.161
16.289
16.385
16.456
16.509
16.549
16.579
16.601
16.618
16.667
1.0000
.4854
.3141
.2286
.1774
.1434
.1191
.1010
.0870
.0759
.0668
.0593
.0530
.0476
.0430
.0390
.0354
.0324
.0296
.0272
.0250
.0230
.0213
.0197
.0182
.0169
.0157
.0146
.0136
.0126
.0118
.0110
.0103
.00960
.00897
.00646
.00470
.00344
.00254
.00188
.00139
.00103
.000769
.000573
.000427
.000318
.000238
.000177
0
1.000
2.060
3.184
4.375
5.637
6.975
8.394
9.897
11.491
13.181
14.972
16.870
18.882
21.015
23.276
25.673
28.213
30.906
33.760
36.786
39.993
43.392
46.996
50.816
54.865
59.156
63.706
68.528
73.640
79.058
84.802
90.890
97.343
104.2
111.4
154.8
212.7
290.3
394.2
533.1
719.1
967.9
1301
1747
2343
3141
4209
5638
561
Present
Worth
Factor
P/G
0
.890
2.569
4.946
7.935
11.459
15.450
19.842
24.577
29.602
34.870
40.337
45.963
51.713
57.555
63.459
69.401
75.357
81.306
87.230
93.114
98.941
104.701
110.381
115.973
121.468
126.860
132.142
137.310
142.359
147.286
152.090
156.768
161.319
165.743
185.957
203.110
217.457
229.322
239.043
246.945
253.327
258.453
262.549
265.810
268.395
270.437
272.047
277.778
Uniform
Payment
Factor
A/G
0
.485
.961
1.427
1.884
2.330
2.768
3.195
3.613
4.022
4.421
4.811
5.192
5.564
5.926
6.279
6.624
6.960
7.287
7.605
7.915
8.217
8.510
8.795
9.072
9.341
9.603
9.857
10.103
10.342
10.574
10.799
11.017
11.228
11.432
12.359
13.141
13.796
14.341
14.791
15.160
15.461
15.706
15.903
16.062
16.189
16.290
16.371
16.667
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
esch_app_b.qxd
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2/12/03
6:03 PM
Page 562
7%

Single Payment
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
1.070
1.145
1.225
1.311
1.403
1.501
1.606
1.718
1.838
1.967
2.105
2.252
2.410
2.579
2.759
2.952
3.159
3.380
3.617
3.870
4.141
4.430
4.741
5.072
5.427
5.807
6.214
6.649
7.114
7.612
8.145
8.715
9.325
9.978
10.677
14.974
21.002
29.457
41.315
57.946
81.273
114.0
159.9
224.2
314.5
441.1
618.7
867.7
.9346
.8734
.8163
.7629
.7130
.6663
.6227
.5820
.5439
.5083
.4751
.4440
.4150
.3878
.3624
.3387
.3166
.2959
.2765
.2584
.2415
.2257
.2109
.1971
.1842
.1722
.1609
.1504
.1406
.1314
.1228
.1147
.1072
.1002
.0937
.0668
.0476
.0339
.0242
.0173
.0123
.00877
.00625
.00446
.00318
.00227
.00162
.00115
1.0700
.5531
.3811
.2952
.2439
.2098
.1856
.1675
.1535
.1424
.1334
.1259
.1197
.1143
.1098
.1059
.1024
.0994
.0968
.0944
.0923
.0904
.0887
.0872
.0858
.0846
.0834
.0824
.0814
.0806
.0798
.0791
.0784
.0778
.0772
.0750
.0735
.0725
.0717
.0712
.0709
.0706
.0704
.0703
.0702
.0702
.0701
.0701
.07
.935
1.808
2.624
3.387
4.100
4.767
5.389
5.971
6.515
7.024
7.499
7.943
8.358
8.745
9.108
9.447
9.763
10.059
10.336
10.594
10.836
11.061
11.272
11.469
11.654
11.826
11.987
12.137
12.278
12.409
12.532
12.647
12.754
12.854
12.948
13.332
13.606
13.801
13.940
14.039
14.110
14.160
14.196
14.222
14.240
14.253
14.263
14.269
14.286
1.0000
.4831
.3111
.2252
.1739
.1398
.1156
.0975
.0835
.0724
.0634
.0559
.0497
.0443
.0398
.0359
.0324
.0294
.0268
.0244
.0223
.0204
.0187
.0172
.0158
.0146
.0134
.0124
.0114
.0106
.00980
.00907
.00841
.00780
.00723
.00501
.00350
.00246
.00174
.00123
.000872
.000620
.000441
.000314
.000223
.000159
.000113
.0000808
0
1.000
2.070
3.215
4.440
5.751
7.153
8.654
10.260
11.978
13.816
15.784
17.888
20.141
22.550
25.129
27.888
30.840
33.999
37.379
40.995
44.865
49.006
53.436
58.177
63.249
68.676
74.484
80.698
87.347
94.461
102.1
110.2
118.9
128.3
138.2
199.6
285.7
406.5
575.9
813.5
1147
1614
2270
3189
4479
6287
8824
12382
7%
Present
Worth
Factor
P/G
0
.873
2.506
4.795
7.647
10.978
14.715
18.789
23.140
27.716
32.466
37.351
42.330
47.372
52.446
57.527
62.592
67.622
72.599
77.509
82.339
87.079
91.720
96.255
100.676
104.981
109.166
113.226
117.162
120.972
124.655
128.212
131.643
134.951
138.135
152.293
163.756
172.905
180.124
185.768
190.145
193.519
196.104
198.075
199.572
200.704
201.558
202.200
204.082
Uniform
Payment
Factor
A/G
0
.483
.955
1.416
1.865
2.303
2.730
3.147
3.552
3.946
4.330
4.703
5.065
5.417
5.758
6.090
6.411
6.722
7.024
7.316
7.599
7.872
8.137
8.392
8.639
8.877
9.107
9.329
9.543
9.749
9.947
10.138
10.322
10.499
10.669
11.423
12.036
12.529
12.921
13.232
13.476
13.666
13.814
13.927
14.015
14.081
14.132
14.170
14.286
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
esch_app_b.qxd
2/12/03
6:03 PM
Page 563

8%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
563
8%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
1.080
1.166
1.260
1.360
1.469
1.587
1.714
1.851
1.999
2.159
2.332
2.518
2.720
2.937
3.172
3.426
3.700
3.996
4.316
4.661
5.034
5.437
5.871
6.341
6.848
7.396
7.988
8.627
9.317
10.063
10.868
11.737
12.676
13.690
14.785
21.725
31.920
46.902
68.914
101.3
148.8
218.6
321.2
472.0
693.5
1019
1497
2200
.9259
.8573
.7938
.7350
.6806
.6302
.5835
.5403
.5002
.4632
.4289
.3971
.3677
.3405
.3152
.2919
.2703
.2502
.2317
.2145
.1987
.1839
.1703
.1577
.1460
.1352
.1252
.1159
.1073
.0994
.0920
.0852
.0789
.0730
.0676
.0460
.0313
.0213
.0145
.00988
.00672
.00457
.00311
.00212
.00144
.000981
.000668
.000455
1.0800
.5608
.3880
.3019
.2505
.2163
.1921
.1740
.1601
.1490
.1401
.1327
.1265
.1213
.1168
.1130
.1096
.1067
.1041
.1019
.0998
.0980
.0964
.0950
.0937
.0925
.0914
.0905
.0896
.0888
.0881
.0875
.0869
.0863
.0858
.0839
.0826
.0817
.0812
.0808
.0805
.0804
.0802
.0802
.0801
.0801
.0801
.0800
.08
.926
1.783
2.577
3.312
3.993
4.623
5.206
5.747
6.247
6.710
7.139
7.536
7.904
8.244
8.559
8.851
9.122
9.372
9.604
9.818
10.017
10.201
10.371
10.529
10.675
10.810
10.935
11.051
11.158
11.258
11.350
11.435
11.514
11.587
11.655
11.925
12.108
12.233
12.319
12.377
12.416
12.443
12.461
12.474
12.482
12.488
12.492
12.494
12.5
1.0000
.4808
.3080
.2219
.1705
.1363
.1121
.0940
.0801
.0690
.0601
.0527
.0465
.0413
.0368
.0330
.0296
.0267
.0241
.0219
.0198
.0180
.0164
.0150
.0137
.0125
.0114
.0105
.00962
.00883
.00811
.00745
.00685
.00630
.00580
.00386
.00259
.00174
.00118
.000798
.000541
.000368
.000250
.000170
.000116
.0000786
.0000535
.0000364
0
1.000
2.080
3.246
4.506
5.867
7.336
8.923
10.637
12.488
14.487
16.645
18.977
21.495
24.215
27.152
30.324
33.750
37.450
41.446
45.762
50.423
55.457
60.893
66.765
73.106
79.954
87.351
95.339
104.0
113.3
123.3
134.2
146.0
158.6
172.3
259.1
386.5
573.8
848.9
1253
1847
2720
4003
5887
8656
12724
18702
27485
0
.857
2.445
4.650
7.372
10.523
14.024
17.806
21.808
25.977
30.266
34.634
39.046
43.472
47.886
52.264
56.588
60.843
65.013
69.090
73.063
76.926
80.673
84.300
87.804
91.184
94.439
97.569
100.574
103.456
106.216
108.857
111.382
113.792
116.092
126.042
133.733
139.593
144.006
147.300
149.739
151.533
152.845
153.800
154.492
154.993
155.352
155.611
156.25
0
.481
.949
1.404
1.846
2.276
2.694
3.099
3.491
3.871
4.240
4.596
4.940
5.273
5.594
5.905
6.204
6.492
6.770
7.037
7.294
7.541
7.779
8.007
8.225
8.435
8.636
8.829
9.013
9.190
9.358
9.520
9.674
9.821
9.961
10.570
11.045
11.411
11.690
11.902
12.060
12.178
12.266
12.330
12.377
12.412
12.437
12.455
12.5
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
esch_app_b.qxd
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6:03 PM
Page 564
9%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
9%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1.090
1.188
1.295
1.412
1.539
1.677
1.828
1.993
2.172
2.367
2.580
2.813
3.066
3.342
3.642
3.970
4.328
4.717
5.142
5.604
6.109
6.659
7.258
7.911
8.623
9.399
10.245
11.167
12.172
13.268
14.462
15.763
17.182
18.728
20.414
31.409
48.327
74.358
114.4
176.0
270.8
416.7
641.2
986.6
1518
2336
3593
5529
.9174
.8417
.7722
.7084
.6499
.5963
.5470
.5019
.4604
.4224
.3875
.3555
.3262
.2992
.2745
.2519
.2311
.2120
.1945
.1784
.1637
.1502
.1378
.1264
.1160
.1064
.0976
.0895
.0822
.0754
.0691
.0634
.0582
.0534
.0490
.0318
.0207
.0134
.00874
.00568
.00369
.00240
.00156
.00101
.000659
.000428
.000278
.000181
0
1.0900
.5685
.3951
.3087
.2571
.2229
.1987
.1807
.1668
.1558
.1469
.1397
.1336
.1284
.1241
.1203
.1170
.1142
.1117
.1095
.1076
.1059
.1044
.1030
.1018
.1007
.0997
.0989
.0981
.0973
.0967
.0961
.0956
.0951
.0946
.0930
.0919
.0912
.0908
.0905
.0903
.0902
.0901
.0901
.0901
.0900
.0900
.0900
.09
.917
1.759
2.531
3.240
3.890
4.486
5.033
5.535
5.995
6.418
6.805
7.161
7.487
7.786
8.061
8.313
8.544
8.756
8.950
9.129
9.292
9.442
9.580
9.707
9.823
9.929
10.027
10.116
10.198
10.274
10.343
10.406
10.464
10.518
10.567
10.757
10.881
10.962
11.014
11.048
11.070
11.084
11.094
11.100
11.104
11.106
11.108
11.109
11.111
1.0000
.4785
.3051
.2187
.1671
.1329
.1087
.0907
.0768
.0658
.0569
.0497
.0436
.0384
.0341
.0303
.0270
.0242
.0217
.0195
.0176
.0159
.0144
.0130
.0118
.01072
.00973
.00885
.00806
.00734
.00669
.00610
.00556
.00508
.00464
.00296
.00190
.00123
.00079
.00051
.000334
.000216
.000141
.0000913
.0000593
.0000386
.0000251
.0000163
0
1.000
2.090
3.278
4.573
5.985
7.523
9.200
11.028
13.021
15.193
17.560
20.141
22.953
26.019
29.361
33.003
36.974
41.301
46.018
51.160
56.765
62.873
69.532
76.790
84.701
93.3
102.7
113.0
124.1
136.3
149.6
164.0
179.8
197.0
215.7
337.9
525.9
815.1
1260
1945
2998
4619
7113
10951
16855
25939
39917
61423
Present
Worth
Factor
P/G
0
.842
2.386
4.511
7.111
10.092
13.375
16.888
20.571
24.373
28.248
32.159
36.073
39.963
43.807
47.585
51.282
54.886
58.387
61.777
65.051
68.205
71.236
74.143
76.926
79.586
82.124
84.542
86.842
89.028
91.102
93.069
94.931
96.693
98.359
105.376
110.556
114.325
117.036
118.968
120.334
121.294
121.965
122.431
122.753
122.976
123.129
123.234
123.457
Uniform
Payment
Factor
A/G
0
.478
.943
1.393
1.828
2.250
2.657
3.051
3.431
3.798
4.151
4.491
4.818
5.133
5.435
5.724
6.002
6.269
6.524
6.767
7.001
7.223
7.436
7.638
7.832
8.016
8.191
8.357
8.515
8.666
8.808
8.944
9.072
9.193
9.308
9.796
10.160
10.430
10.626
10.768
10.870
10.943
10.994
11.030
11.055
11.073
11.085
11.093
11.111
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
esch_app_b.qxd
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6:03 PM
Page 565

10%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
10%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1.100
1.210
1.331
1.464
1.611
1.772
1.949
2.144
2.358
2.594
2.853
3.138
3.452
3.797
4.177
4.595
5.054
5.560
6.116
6.727
7.400
8.140
8.954
9.850
10.835
11.918
13.110
14.421
15.863
17.449
19.194
21.114
23.225
25.548
28.102
45.259
72.890
117.4
189.1
304.5
490.4
789.7
1272
2048
3299
5313
8557
13781
.9091
.8264
.7513
.6830
.6209
.5645
.5132
.4665
.4241
.3855
.3505
.3186
.2897
.2633
.2394
.2176
.1978
.1799
.1635
.1486
.1351
.1228
.1117
.1015
.0923
.0839
.0763
.0693
.0630
.0573
.0521
.0474
.0431
.0391
.0356
.0221
.0137
.00852
.00529
.00328
.00204
.00127
.00079
.00049
.00030
.00019
.00012
.00007
1.1000
.5762
.4021
.3155
.2638
.2296
.2054
.1874
.1736
.1627
.1540
.1468
.1408
.1357
.1315
.1278
.1247
.1219
.1195
.1175
.1156
.1140
.1126
.1113
.1102
.1092
.1083
.1075
.1067
.1061
.1055
.1050
.1045
.1041
.1037
.1023
.1014
.1009
.1005
.1003
.1002
.1001
.1001
.1000
.1000
.1000
.1000
.1000
.10
.909
1.736
2.487
3.170
3.791
4.355
4.868
5.335
5.759
6.145
6.495
6.814
7.103
7.367
7.606
7.824
8.022
8.201
8.365
8.514
8.649
8.772
8.883
8.985
9.077
9.161
9.237
9.307
9.370
9.427
9.479
9.526
9.569
9.609
9.644
9.779
9.863
9.915
9.947
9.967
9.980
9.987
9.992
9.995
9.997
9.998
9.999
9.999
10
1.0000
.4762
.3021
.2155
.1638
.1296
.1054
.0874
.0736
.0627
.0540
.0468
.0408
.0357
.0315
.0278
.0247
.0219
.0195
.0175
.0156
.0140
.0126
.0113
.0102
.00916
.00826
.00745
.00673
.00608
.00550
.00497
.00450
.00407
.00369
.00226
.00139
.00086
.00053
.00033
.00020
.00013
.000079
.000049
.000030
.000019
.000012
.000007
0
1.000
2.100
3.310
4.641
6.105
7.716
9.487
11.436
13.579
15.937
18.531
21.384
24.523
27.975
31.772
35.950
40.545
45.599
51.159
57.275
64.002
71.403
79.543
88.497
98.347
109.2
121.1
134.2
148.6
164.5
181.9
201.1
222.3
245.5
271.0
442.6
718.9
1164
1881
3035
4894
7887
12709
20474
32980
53120
85557
137796
565
Present
Worth
Factor
P/G
0
.826
2.329
4.378
6.862
9.684
12.763
16.029
19.421
22.891
26.396
29.901
33.377
36.800
40.152
43.416
46.582
49.640
52.583
55.407
58.110
60.689
63.146
65.481
67.696
69.794
71.777
73.650
75.415
77.077
78.640
80.108
81.486
82.777
83.987
88.953
92.454
94.889
96.562
97.701
98.471
98.987
99.332
99.561
99.712
99.812
99.877
99.920
100
Uniform
Payment
Factor
A/G
0
.476
.937
1.381
1.810
2.224
2.622
3.004
3.372
3.725
4.064
4.388
4.699
4.996
5.279
5.549
5.807
6.053
6.286
6.508
6.719
6.919
7.108
7.288
7.458
7.619
7.770
7.914
8.049
8.176
8.296
8.409
8.515
8.615
8.709
9.096
9.374
9.570
9.708
9.802
9.867
9.911
9.941
9.961
9.974
9.983
9.989
9.993
10
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
esch_app_b.qxd
566
2/12/03
6:03 PM
Page 566
11%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
11%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
1.110
1.232
1.368
1.518
1.685
1.870
2.076
2.305
2.558
2.839
3.152
3.498
3.883
4.310
4.785
5.311
5.895
6.544
7.263
8.062
8.949
9.934
11.026
12.239
13.585
15.080
16.739
18.580
20.624
22.892
25.410
28.206
31.308
34.752
38.575
65.001
109.5
184.6
311.0
524.1
883.1
1488
2507
4225
7120
11997
20215
34064
.9009
.8116
.7312
.6587
.5935
.5346
.4817
.4339
.3909
.3522
.3173
.2858
.2575
.2320
.2090
.1883
.1696
.1528
.1377
.1240
.1117
.1007
.0907
.0817
.0736
.0663
.0597
.0538
.0485
.0437
.0394
.0355
.0319
.0288
.0259
.0154
.00913
.00542
.00322
.00191
.00113
.000672
.000399
.000237
.000140
.000083
.000049
.000029
1.1100
.5839
.4092
.3223
.2706
.2364
.2122
.1943
.1806
.1698
.1611
.1540
.1482
.1432
.1391
.1355
.1325
.1298
.1276
.1256
.1238
.1223
.1210
.1198
.1187
.1178
.1170
.1163
.1156
.1150
.1145
.1140
.1136
.1133
.1129
.1117
.1110
.1106
.1104
.1102
.1101
.1101
.1100
.1100
.1100
.1100
.1100
.1100
.11
.901
1.713
2.444
3.102
3.696
4.231
4.712
5.146
5.537
5.889
6.207
6.492
6.750
6.982
7.191
7.379
7.549
7.702
7.839
7.963
8.075
8.176
8.266
8.348
8.422
8.488
8.548
8.602
8.650
8.694
8.733
8.769
8.801
8.829
8.855
8.951
9.008
9.042
9.062
9.074
9.081
9.085
9.087
9.089
9.090
9.090
9.090
9.091
9.091
1.0000
.4739
.2992
.2123
.1606
.1264
.1022
.0843
.0706
.0598
.0511
.0440
.0382
.0332
.0291
.0255
.0225
.0198
.0176
.0156
.0138
.0123
.0110
.00979
.00874
.00781
.00699
.00626
.00561
.00502
.00451
.00404
.00363
.00326
.00293
.00172
.00101
.000599
.000355
.000210
.000125
.0000740
.0000439
.0000260
.0000155
.0000092
.0000054
.0000032
0
1.000
2.110
3.342
4.710
6.228
7.913
9.783
11.859
14.164
16.722
19.561
22.713
26.212
30.095
34.405
39.190
44.501
50.396
56.939
64.203
72.265
81.214
91.148
102.2
114.4
128.0
143.1
159.8
178.4
199.0
221.9
247.3
275.5
306.8
341.6
581.8
986.6
1669
2818
4755
8019
13518
22785
38401
64714
109053
183768
309665
0
.812
2.274
4.250
6.624
9.297
12.187
15.225
18.352
21.522
24.695
27.839
30.929
33.945
36.871
39.695
42.409
45.007
47.486
49.842
52.077
54.191
56.186
58.066
59.832
61.490
63.043
64.497
65.854
67.121
68.302
69.401
70.423
71.372
72.254
75.779
78.155
79.734
80.771
81.446
81.882
82.161
82.340
82.453
82.524
82.570
82.598
82.616
82.645
0
.474
.931
1.370
1.792
2.198
2.586
2.958
3.314
3.654
3.979
4.288
4.582
4.862
5.127
5.379
5.618
5.844
6.057
6.259
6.449
6.628
6.797
6.956
7.104
7.244
7.375
7.498
7.613
7.721
7.821
7.915
8.002
8.084
8.159
8.466
8.676
8.819
8.913
8.976
9.017
9.044
9.061
9.072
9.079
9.083
9.086
9.088
9.091
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
esch_app_b.qxd
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6:03 PM
Page 567

12%

Single Payment
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
12%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1.120
1.254
1.405
1.574
1.762
1.974
2.211
2.476
2.773
3.106
3.479
3.896
4.363
4.887
5.474
6.130
6.866
7.690
8.613
9.646
10.804
12.100
13.552
15.179
17.000
19.040
21.325
23.884
26.750
29.960
33.555
37.582
42.092
47.143
52.800
93.051
164.0
289.0
509.3
897.6
1582
2788
4913
8658
15259
26892
47393
83522
.8929
.7972
.7118
.6355
.5674
.5066
.4523
.4039
.3606
.3220
.2875
.2567
.2292
.2046
.1827
.1631
.1456
.1300
.1161
.1037
.0926
.0826
.0738
.0659
.0588
.0525
.0469
.0419
.0374
.0334
.0298
.0266
.0238
.0212
.0189
.0107
.00610
.00346
.00196
.00111
.00063
.00036
.00020
.00012
.000066
.000037
.000021
.000012
1.1200
.5917
.4163
.3292
.2774
.2432
.2191
.2013
.1877
.1770
.1684
.1614
.1557
.1509
.1468
.1434
.1405
.1379
.1358
.1339
.1322
.1308
.1296
.1285
.1275
.1267
.1259
.1252
.1247
.1241
.1237
.1233
.1229
.1226
.1223
.1213
.1207
.1204
.1202
.1201
.1201
.1200
.1200
.1200
.1200
.1200
.1200
.1200
.12
.893
1.690
2.402
3.037
3.605
4.111
4.564
4.968
5.328
5.650
5.938
6.194
6.424
6.628
6.811
6.974
7.120
7.250
7.366
7.469
7.562
7.645
7.718
7.784
7.843
7.896
7.943
7.984
8.022
8.055
8.085
8.112
8.135
8.157
8.176
8.244
8.283
8.304
8.317
8.324
8.328
8.330
8.332
8.332
8.333
8.333
8.333
8.333
8.333
1.0000
.4717
.2963
.2092
.1574
.1232
.0991
.0813
.0677
.0570
.0484
.0414
.0357
.0309
.0268
.0234
.0205
.0179
.0158
.0139
.0122
.0108
.0096
.0085
.0075
.00665
.00590
.00524
.00466
.00414
.00369
.00328
.00292
.00260
.00232
.00130
.00074
.00042
.00024
.00013
.000076
.000043
.000024
.000014
.0000079
.0000045
.0000025
.0000014
0
1.000
2.120
3.374
4.779
6.353
8.115
10.089
12.300
14.776
17.549
20.655
24.133
28.029
32.393
37.280
42.753
48.884
55.750
63.440
72.052
81.699
92.503
104.603
118.155
133.334
150.3
169.4
190.7
214.6
241.3
271.3
304.8
342.4
384.5
431.7
767.1
1358
2400
4236
7472
13174
23223
40934
72146
127152
224091
394931
696011
567
Present
Worth
Factor
P/G
0
.797
2.221
4.127
6.397
8.930
11.644
14.471
17.356
20.254
23.129
25.952
28.702
31.362
33.920
36.367
38.697
40.908
42.998
44.968
46.819
48.554
50.178
51.693
53.105
54.418
55.637
56.767
57.814
58.782
59.676
60.501
61.261
61.961
62.605
65.116
66.734
67.762
68.408
68.810
69.058
69.210
69.303
69.359
69.393
69.414
69.426
69.434
69.444
Uniform
Payment
Factor
A/G
0
.472
.925
1.359
1.775
2.172
2.551
2.913
3.257
3.585
3.895
4.190
4.468
4.732
4.980
5.215
5.435
5.643
5.838
6.020
6.191
6.351
6.501
6.641
6.771
6.892
7.005
7.110
7.207
7.297
7.381
7.459
7.530
7.596
7.658
7.899
8.057
8.160
8.225
8.266
8.292
8.308
8.318
8.324
8.328
8.330
8.331
8.332
8.333
N
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
65
70
75
80
85
90
95
100
esch_app_b.qxd
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6:03 PM
Page 568
13%

Single Payment
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
1.130
1.277
1.443
1.630
1.842
2.082
2.353
2.658
3.004
3.395
3.836
4.335
4.898
5.535
6.254
7.067
7.986
9.024
10.197
11.523
13.021
14.714
16.627
18.788
21.231
23.991
27.109
30.633
34.616
39.116
44.201
49.947
56.440
63.777
72.069
132.8
244.6
450.7
830.5
1530
.8850
.7831
.6931
.6133
.5428
.4803
.4251
.3762
.3329
.2946
.2607
.2307
.2042
.1807
.1599
.1415
.1252
.1108
.0981
.0868
.0768
.0680
.0601
.0532
.0471
.0417
.0369
.0326
.0289
.0256
.0226
.0200
.0177
.0157
.0139
.00753
.00409
.00222
.00120
.00065
1.1300
.5995
.4235
.3362
.2843
.2502
.2261
.2084
.1949
.1843
.1758
.1690
.1634
.1587
.1547
.1514
.1486
.1462
.1441
.1424
.1408
.1395
.1383
.1373
.1364
.1357
.1350
.1344
.1339
.1334
.1330
.1327
.1323
.1321
.1318
.1310
.1305
.1303
.1302
.1301
.13
.885
1.668
2.361
2.974
3.517
3.998
4.423
4.799
5.132
5.426
5.687
5.918
6.122
6.302
6.462
6.604
6.729
6.840
6.938
7.025
7.102
7.170
7.230
7.283
7.330
7.372
7.409
7.441
7.470
7.496
7.518
7.538
7.556
7.572
7.586
7.634
7.661
7.675
7.683
7.687
7.692
1.0000
.4695
.2935
.2062
.1543
.1202
.0961
.0784
.0649
.0543
.0458
.0390
.0334
.0287
.0247
.0214
.0186
.0162
.0141
.0124
.0108
.00948
.00832
.00731
.00643
.00565
.00498
.00439
.00387
.00341
.00301
.00266
.00234
.00207
.00183
.000986
.000534
.000289
.000157
.000085
0
1.000
2.130
3.407
4.850
6.480
8.323
10.405
12.757
15.416
18.420
21.814
25.650
29.985
34.883
40.417
46.672
53.739
61.725
70.749
80.947
92.470
105.5
120.2
136.8
155.6
176.9
200.8
227.9
258.6
293.2
332.3
376.5
426.5
482.9
546.7
1014
1874
3460
6380
11762
13%
Present
Worth
Factor
P/G
0
.783
2.169
4.009
6.180
8.582
11.132
13.765
16.428
19.080
21.687
24.224
26.674
29.023
31.262
33.384
35.388
37.271
39.037
40.685
42.221
43.649
44.972
46.196
47.326
48.369
49.328
50.209
51.018
51.759
52.438
53.059
53.626
54.143
54.615
56.409
57.515
58.187
58.591
58.831
59.172
Uniform
Payment
Factor
A/G
0
.469
.919
1.348
1.757
2.147
2.517
2.869
3.201
3.516
3.813
4.094
4.357
4.605
4.837
5.055
5.259
5.449
5.627
5.792
5.945
6.088
6.220
6.343
6.457
6.561
6.658
6.747
6.830
6.905
6.975
7.039
7.097
7.151
7.200
7.389
7.508
7.581
7.626
7.653
7.692
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
esch_app_b.qxd
2/12/03
6:03 PM
Page 569

14%

Single Payment
14%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
1.140
1.300
1.482
1.689
1.925
2.195
2.502
2.853
3.252
3.707
4.226
4.818
5.492
6.261
7.138
8.137
9.276
10.575
12.056
13.743
15.668
17.861
20.362
23.212
26.462
30.167
34.390
39.204
44.693
50.950
58.083
66.215
75.485
86.053
98.100
188.9
363.7
700.2
1348
2596
.8772
.7695
.6750
.5921
.5194
.4556
.3996
.3506
.3075
.2697
.2366
.2076
.1821
.1597
.1401
.1229
.1078
.0946
.0829
.0728
.0638
.0560
.0491
.0431
.0378
.0331
.0291
.0255
.0224
.0196
.0172
.0151
.0132
.0116
.0102
.00529
.00275
.00143
.00074
.00039
1.1400
.6073
.4307
.3432
.2913
.2572
.2332
.2156
.2022
.1917
.1834
.1767
.1712
.1666
.1628
.1596
.1569
.1546
.1527
.1510
.1495
.1483
.1472
.1463
.1455
.1448
.1442
.1437
.1432
.1428
.1425
.1421
.1419
.1416
.1414
.1407
.1404
.1402
.1401
.1401
.14
.877
1.647
2.322
2.914
3.433
3.889
4.288
4.639
4.946
5.216
5.453
5.660
5.842
6.002
6.142
6.265
6.373
6.467
6.550
6.623
6.687
6.743
6.792
6.835
6.873
6.906
6.935
6.961
6.983
7.003
7.020
7.035
7.048
7.060
7.070
7.105
7.123
7.133
7.138
7.140
7.143
1.0000
.4673
.2907
.2032
.1513
.1172
.0932
.0756
.0622
.0517
.0434
.0367
.0312
.0266
.0228
.0196
.0169
.0146
.0127
.0110
.00954
.00830
.00723
.00630
.00550
.00480
.00419
.00366
.00320
.00280
.00245
.00215
.00188
.00165
.00144
.000745
.000386
.000200
.000104
.000054
0
1.000
2.140
3.440
4.921
6.610
8.536
10.730
13.233
16.085
19.337
23.045
27.271
32.089
37.581
43.842
50.980
59.118
68.394
78.969
91.025
104.8
120.4
138.3
158.7
181.9
208.3
238.5
272.9
312.1
356.8
407.7
465.8
532.0
607.5
693.6
1342
2591
4995
9623
18535
569
Present
Worth
Factor
P/G
0
.769
2.119
3.896
5.973
8.251
10.649
13.103
15.563
17.991
20.357
22.640
24.825
26.901
28.862
30.706
32.430
34.038
35.531
36.914
38.190
39.366
40.446
41.437
42.344
43.173
43.929
44.618
45.244
45.813
46.330
46.798
47.222
47.605
47.952
49.238
49.996
50.438
50.691
50.836
51.020
Uniform
Payment
Factor
A/G
0
.467
.913
1.337
1.740
2.122
2.483
2.825
3.146
3.449
3.733
4.000
4.249
4.482
4.699
4.901
5.089
5.263
5.424
5.573
5.711
5.838
5.955
6.062
6.161
6.251
6.334
6.410
6.479
6.542
6.600
6.652
6.700
6.743
6.782
6.930
7.019
7.071
7.102
7.120
7.143
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
esch_app_b.qxd
570
2/12/03
6:03 PM
Page 570
15%

Single Payment
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
1.150
1.323
1.521
1.749
2.011
2.313
2.660
3.059
3.518
4.046
4.652
5.350
6.153
7.076
8.137
9.358
10.761
12.375
14.232
16.367
18.822
21.645
24.891
28.625
32.919
37.857
43.535
50.066
57.575
66.212
76.144
87.565
100.7
115.8
133.2
267.9
538.8
1084
2180
4384
.8696
.7561
.6575
.5718
.4972
.4323
.3759
.3269
.2843
.2472
.2149
.1869
.1625
.1413
.1229
.1069
.0929
.0808
.0703
.0611
.0531
.0462
.0402
.0349
.0304
.0264
.0230
.0200
.0174
.0151
.0131
.0114
.00993
.00864
.00751
.00373
.00186
.00092
.00046
.00023
1.1500
.6151
.4380
.3503
.2983
.2642
.2404
.2229
.2096
.1993
.1911
.1845
.1791
.1747
.1710
.1679
.1654
.1632
.1613
.1598
.1584
.1573
.1563
.1554
.1547
.1541
.1535
.1531
.1527
.1523
.1520
.1517
.1515
.1513
.1511
.1506
.1503
.1501
.1501
.1500
.15
.870
1.626
2.283
2.855
3.352
3.784
4.160
4.487
4.772
5.019
5.234
5.421
5.583
5.724
5.847
5.954
6.047
6.128
6.198
6.259
6.312
6.359
6.399
6.434
6.464
6.491
6.514
6.534
6.551
6.566
6.579
6.591
6.600
6.609
6.617
6.642
6.654
6.661
6.664
6.665
6.667
1.0000
.4651
.2880
.2003
.1483
.1142
.0904
.0729
.0596
.0493
.0411
.0345
.0291
.0247
.0210
.0179
.0154
.0132
.0113
.00976
.00842
.00727
.00628
.00543
.00470
.00407
.00353
.00306
.00265
.00230
.00200
.00173
.00150
.00131
.00113
.000562
.000279
.000139
.000069
.000034
0
1.000
2.150
3.473
4.993
6.742
8.754
11.067
13.727
16.786
20.304
24.349
29.002
34.352
40.505
47.580
55.717
65.075
75.836
88.212
102.4
118.8
137.6
159.3
184.2
212.8
245.7
283.6
327.1
377.2
434.7
501.0
577.1
664.7
765.4
881.2
1779
3585
7218
14524
29220
15%
Present
Worth
Factor
P/G
0
.756
2.071
3.786
5.775
7.937
10.192
12.481
14.755
16.979
19.129
21.185
23.135
24.972
26.693
28.296
29.783
31.156
32.421
33.582
34.645
35.615
36.499
37.302
38.031
38.692
39.289
39.828
40.315
40.753
41.147
41.501
41.818
42.103
42.359
43.283
43.805
44.096
44.256
44.343
44.444
Uniform
Payment
Factor
A/G
0
.465
.907
1.326
1.723
2.097
2.450
2.781
3.092
3.383
3.655
3.908
4.144
4.362
4.565
4.752
4.925
5.084
5.231
5.365
5.488
5.601
5.704
5.798
5.883
5.961
6.032
6.096
6.154
6.207
6.254
6.297
6.336
6.371
6.402
6.517
6.583
6.620
6.641
6.653
6.667
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
esch_app_b.qxd
2/12/03
6:03 PM
Page 571

16%

Single Payment
16%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
1.160
1.346
1.561
1.811
2.100
2.436
2.826
3.278
3.803
4.411
5.117
5.936
6.886
7.988
9.266
10.748
12.468
14.463
16.777
19.461
22.574
26.186
30.376
35.236
40.874
47.414
55.000
63.800
74.009
85.850
99.586
115.5
134.0
155.4
180.3
378.7
795.4
1671
3509
7370
.8621
.7432
.6407
.5523
.4761
.4104
.3538
.3050
.2630
.2267
.1954
.1685
.1452
.1252
.1079
.0930
.0802
.0691
.0596
.0514
.0443
.0382
.0329
.0284
.0245
.0211
.0182
.0157
.0135
.0116
.0100
.00866
.00746
.00643
.00555
.00264
.00126
.00060
.00028
.00014
1.1600
.6230
.4453
.3574
.3054
.2714
.2476
.2302
.2171
.2069
.1989
.1924
.1872
.1829
.1794
.1764
.1740
.1719
.1701
.1687
.1674
.1664
.1654
.1647
.1640
.1634
.1630
.1625
.1622
.1619
.1616
.1614
.1612
.1610
.1609
.1604
.1602
.1601
.1600
.1600
.16
.862
1.605
2.246
2.798
3.274
3.685
4.039
4.344
4.607
4.833
5.029
5.197
5.342
5.468
5.575
5.668
5.749
5.818
5.877
5.929
5.973
6.011
6.044
6.073
6.097
6.118
6.136
6.152
6.166
6.177
6.187
6.196
6.203
6.210
6.215
6.233
6.242
6.246
6.248
6.249
6.250
1.0000
.4630
.2853
.1974
.1454
.1114
.0876
.0702
.0571
.0469
.0389
.0324
.0272
.0229
.0194
.0164
.0140
.0119
.0101
.00867
.00742
.00635
.00545
.00467
.00401
.00345
.00296
.00255
.00219
.00189
.00162
.00140
.00120
.00104
.000892
.000424
.000201
.000096
.000046
.000022
0
1.000
2.160
3.506
5.066
6.877
8.977
11.414
14.240
17.519
21.321
25.733
30.850
36.786
43.672
51.660
60.925
71.673
84.141
98.603
115.4
134.8
157.4
183.6
214.0
249.2
290.1
337.5
392.5
456.3
530.3
616.2
715.7
831.3
965.3
1121
2361
4965
10436
21925
46058
571
Present
Worth
Factor
P/G
0
.743
2.024
3.681
5.586
7.638
9.761
11.896
14.000
16.040
17.994
19.847
21.590
23.217
24.728
26.124
27.407
28.583
29.656
30.632
31.518
32.320
33.044
33.697
34.284
34.811
35.284
35.707
36.086
36.423
36.725
36.993
37.232
37.444
37.633
38.299
38.660
38.852
38.953
39.006
39.063
Uniform
Payment
Factor
A/G
0
.463
.901
1.316
1.706
2.073
2.417
2.739
3.039
3.319
3.578
3.819
4.041
4.246
4.435
4.609
4.768
4.913
5.046
5.167
5.277
5.377
5.467
5.549
5.623
5.690
5.750
5.804
5.853
5.896
5.936
5.971
6.002
6.030
6.055
6.144
6.193
6.220
6.234
6.242
6.250
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
esch_app_b.qxd
572
2/12/03
6:03 PM
Page 572
17%

Single Payment
17%
Arithmetic Gradient
Compound
Amount
Factor
Present
Worth
Factor
Capital
Recovery
Factor
Present
Worth
Factor
Sinking
Fund
Factor
Compound
Amount
Factor
Present
Worth
Factor
Uniform
Payment
Factor
F/P
P/F
A/P
P/A
A/F
F/A
P/G
A/G
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
1.170
1.369
1.602
1.874
2.192
2.565
3.001
3.511
4.108
4.807
5.624
6.580
7.699
9.007
10.539
12.330
14.426
16.879
19.748
23.106
27.034
31.629
37.006
43.297
50.658
59.270
69.345
81.134
94.927
111.1
129.9
152.0
177.9
208.1
243.5
533.9
1170
2566
5626
12335
.8547
.7305
.6244
.5337
.4561
.3898
.3332
.2848
.2434
.2080
.1778
.1520
.1299
.1110
.0949
.0811
.0693
.0592
.0506
.0433
.0370
.0316
.0270
.0231
.0197
.0169
.0144
.0123
.0105
.00900
.00770
.00658
.00562
.00480
.00411
.00187
.000854
.000390
.000178
.000081
1.1700
.6308
.4526
.3645
.3126
.2786
.2549
.2377
.2247
.2147
.2068
.2005
.1954
.1912
.1878
.1850
.1827
.1807
.1791
.1777
.1765
.1756
.1747
.1740
.1734
.1729
.1725
.1721
.1718
.1715
.1713
.1711
.1710
.1708
.1707
.1703
.1701
.1701
.1700
.1700
.17
.855
1.585
2.210
2.743
3.199
3.589
3.922
4.207
4.451
4.659
4.836
4.988
5.118
5.229
5.324
5.405
5.475
5.534
5.584
5.628
5.665
5.696
5.723
5.746
5.766
5.783
5.798
5.810
5.820
5.829
5.837
5.844
5.849
5.854
5.858
5.871
5.877
5.880
5.881
5.882
5.882
1.0000
.4608
.2826
.1945
.1426
.1086
.0849
.0677
.0547
.0447
.0368
.0305
.0254
.0212
.0178
.0150
.0127
.0107
.00907
.00769
.00653
.00555
.00472
.00402
.00342
.00292
.00249
.00212
.00181
.00154
.00132
.00113
.000961
.000821
.000701
.000319
.000145
.000066
.000030
.000014
0
1.000
2.170
3.539
5.141
7.014
9.207
11.772
14.773
18.285
22.393
27.200
32.824
39.404
47.103
56.110
66.649
78.979
93.406
110.3
130.0
153.1
180.2
211.8
248.8
292.1
342.8
402.0
471.4
552.5
647.4
758.5
888.4
1040
1218
1426
3135
6879
15090
33090
72555
0
.731
1.979
3.580
5.405
7.354
9.353
11.346
13.294
15.166
16.944
18.616
20.175
21.618
22.946
24.163
25.272
26.279
27.190
28.013
28.753
29.417
30.011
30.542
31.016
31.438
31.813
32.146
32.441
32.702
32.932
33.136
33.316
33.475
33.614
34.097
34.346
34.474
34.538
34.571
34.602
0
.461
.896
1.305
1.689
2.049
2.385
2.697
2.987
3.255
3.503
3.732
3.942
4.134
4.310
4.470
4.616
4.749
4.869
4.978
5.076
5.164
5.244
5.315
5.379
5.436
5.487
5.533
5.574
5.610
5.642
5.670
5.696
5.718
5.738
5.807
5.844
5.863
5.873
5.877
5.882
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
esch_app_b.qxd
2/12/03
6:03 PM
Page 573

18%

Single Payment
18%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
1.180
1.392
1.643
1.939
2.288
2.700
3.185
3.759
4.435
5.234
6.176
7.288
8.599
10.147
11.974
14.129
16.672
19.673
23.214
27.393
32.324
38.142
45.008
53.109
62.669
73.949
87.260
103.0
121.5
143.4
169.2
199.6
235.6
278.0
328.0
750.4
1717
3927
8985
20555
.8475
.7182
.6086
.5158
.4371
.3704
.3139
.2660
.2255
.1911
.1619
.1372
.1163
.0985
.0835
.0708
.0600
.0508
.0431
.0365
.0309
.0262
.0222
.0188
.0160
.0135
.0115
.00971
.00823
.00697
.00591
.00501
.00425
.00360
.00305
.00133
.000583
.000255
.000111
.000049
1.1800
.6387
.4599
.3717
.3198
.2859
.2624
.2452
.2324
.2225
.2148
.2086
.2037
.1997
.1964
.1937
.1915
.1896
.1881
.1868
.1857
.1848
.1841
.1835
.1829
.1825
.1821
.1818
.1815
.1813
.1811
.1809
.1808
.1806
.1806
.1802
.1801
.1800
.1800
.1800
.18
.847
1.566
2.174
2.690
3.127
3.498
3.812
4.078
4.303
4.494
4.656
4.793
4.910
5.008
5.092
5.162
5.222
5.273
5.316
5.353
5.384
5.410
5.432
5.451
5.467
5.480
5.492
5.502
5.510
5.517
5.523
5.528
5.532
5.536
5.539
5.548
5.552
5.554
5.555
5.555
5.556
1.0000
.4587
.2799
.1917
.1398
.1059
.0824
.0652
.0524
.0425
.0348
.0286
.0237
.0197
.0164
.0137
.0115
.00964
.00810
.00682
.00575
.00485
.00409
.00345
.00292
.00247
.00209
.00177
.00149
.00126
.00107
.000906
.000767
.000650
.000550
.000240
.000105
.0000458
.0000200
.0000088
0
1.000
2.180
3.572
5.215
7.154
9.442
12.142
15.327
19.086
23.521
28.755
34.931
42.219
50.818
60.965
72.939
87.068
103.7
123.4
146.6
174.0
206.3
244.5
289.5
342.6
405.3
479.2
566.5
669.4
790.9
934.3
1103
1303
1539
1817
4163
9532
21813
49910
114190
573
Present
Worth
Factor
P/G
0
.718
1.935
3.483
5.231
7.083
8.967
10.829
12.633
14.352
15.972
17.481
18.877
20.158
21.327
22.389
23.348
24.212
24.988
25.681
26.300
26.851
27.339
27.772
28.155
28.494
28.791
29.054
29.284
29.486
29.664
29.819
29.955
30.074
30.177
30.527
30.701
30.786
30.827
30.846
30.864
Uniform
Payment
Factor
A/G
0
.459
.890
1.295
1.673
2.025
2.353
2.656
2.936
3.194
3.430
3.647
3.845
4.025
4.189
4.337
4.471
4.592
4.700
4.798
4.885
4.963
5.033
5.095
5.150
5.199
5.243
5.281
5.315
5.345
5.371
5.394
5.415
5.433
5.449
5.502
5.529
5.543
5.549
5.553
5.556
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
esch_app_b.qxd
574
2/12/03
6:03 PM
Page 574
19%

Single Payment
19%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
1.190
1.416
1.685
2.005
2.386
2.840
3.379
4.021
4.785
5.695
6.777
8.064
9.596
11.420
13.590
16.172
19.244
22.901
27.252
32.429
38.591
45.923
54.649
65.032
77.388
92.092
109.6
130.4
155.2
184.7
219.8
261.5
311.2
370.3
440.7
1052
2510
5989
14292
34105
.8403
.7062
.5934
.4987
.4190
.3521
.2959
.2487
.2090
.1756
.1476
.1240
.1042
.0876
.0736
.0618
.0520
.0437
.0367
.0308
.0259
.0218
.0183
.0154
.0129
.0109
.00912
.00767
.00644
.00541
.00455
.00382
.00321
.00270
.00227
.000951
.000398
.000167
.000070
.000029
1.1900
.6466
.4673
.3790
.3271
.2933
.2699
.2529
.2402
.2305
.2229
.2169
.2121
.2082
.2051
.2025
.2004
.1987
.1972
.1960
.1951
.1942
.1935
.1930
.1925
.1921
.1917
.1915
.1912
.1910
.1909
.1907
.1906
.1905
.1904
.1902
.1901
.1900
.1900
.1900
.19
.840
1.547
2.140
2.639
3.058
3.410
3.706
3.954
4.163
4.339
4.486
4.611
4.715
4.802
4.876
4.938
4.990
5.033
5.070
5.101
5.127
5.149
5.167
5.182
5.195
5.206
5.215
5.223
5.229
5.235
5.239
5.243
5.246
5.249
5.251
5.258
5.261
5.262
5.263
5.263
5.263
1.0000
.4566
.2773
.1890
.1371
.1033
.0799
.0629
.0502
.0405
.0329
.0269
.0221
.0182
.0151
.0125
.0104
.00868
.00724
.00605
.00505
.00423
.00354
.00297
.00249
.00209
.00175
.00147
.00123
.00103
.000869
.000729
.000612
.000514
.000432
.000181
.0000757
.0000317
.0000133
.0000056
0
1.000
2.190
3.606
5.291
7.297
9.683
12.523
15.902
19.923
24.709
30.404
37.180
45.244
54.841
66.261
79.850
96.022
115.3
138.2
165.4
197.8
236.4
282.4
337.0
402.0
479.4
571.5
681.1
811.5
966.7
1151
1371
1633
1944
2314
5530
13203
31515
75214
179495
0
.706
1.893
3.389
5.065
6.826
8.601
10.342
12.014
13.594
15.070
16.434
17.684
18.823
19.853
20.781
21.612
22.354
23.015
23.601
24.119
24.576
24.979
25.333
25.643
25.914
26.151
26.358
26.539
26.696
26.832
26.951
27.054
27.143
27.220
27.474
27.595
27.652
27.679
27.691
27.701
0
.457
.885
1.284
1.657
2.002
2.321
2.615
2.886
3.133
3.359
3.564
3.751
3.920
4.072
4.209
4.331
4.441
4.539
4.627
4.705
4.773
4.834
4.888
4.936
4.978
5.015
5.047
5.075
5.100
5.121
5.140
5.157
5.171
5.184
5.225
5.245
5.255
5.259
5.261
5.263
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
esch_app_b.qxd
2/12/03
6:03 PM
Page 575

20%

Single Payment
20%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
1.200
1.440
1.728
2.074
2.488
2.986
3.583
4.300
5.160
6.192
7.430
8.916
10.699
12.839
15.407
18.488
22.186
26.623
31.948
38.338
46.005
55.206
66.247
79.497
95.396
114.5
137.4
164.8
197.8
237.4
284.9
341.8
410.2
492.2
590.7
1470
3657
9100
22645
56348
.8333
.6944
.5787
.4823
.4019
.3349
.2791
.2326
.1938
.1615
.1346
.1122
.0935
.0779
.0649
.0541
.0451
.0376
.0313
.0261
.0217
.0181
.0151
.0126
.0105
.00874
.00728
.00607
.00506
.00421
.00351
.00293
.00244
.00203
.00169
.000680
.000273
.000110
.000044
.000018
1.2000
.6545
.4747
.3863
.3344
.3007
.2774
.2606
.2481
.2385
.2311
.2253
.2206
.2169
.2139
.2114
.2094
.2078
.2065
.2054
.2044
.2037
.2031
.2025
.2021
.2018
.2015
.2012
.2010
.2008
.2007
.2006
.2005
.2004
.2003
.2001
.2001
.2000
.2000
.2000
.20
.833
1.528
2.106
2.589
2.991
3.326
3.605
3.837
4.031
4.192
4.327
4.439
4.533
4.611
4.675
4.730
4.775
4.812
4.843
4.870
4.891
4.909
4.925
4.937
4.948
4.956
4.964
4.970
4.975
4.979
4.982
4.985
4.988
4.990
4.992
4.997
4.999
4.999
5.000
5.000
5
1.0000
.4545
.2747
.1863
.1344
.1007
.0774
.0606
.0481
.0385
.0311
.0253
.0206
.0169
.0139
.0114
.00944
.00781
.00646
.00536
.00444
.00369
.00307
.00255
.00212
.00176
.00147
.00122
.00102
.000846
.000705
.000587
.000489
.000407
.000339
.000136
.0000547
.0000220
.0000088
.0000035
0
1.000
2.200
3.640
5.368
7.442
9.930
12.916
16.499
20.799
25.959
32.150
39.581
48.497
59.196
72.035
87.442
105.9
128.1
154.7
186.7
225.0
271.0
326.2
392.5
472.0
567.4
681.9
819.2
984.1
1182
1419
1704
2046
2456
2948
7344
18281
45497
113219
281733
575
Present
Worth
Factor
P/G
0
.694
1.852
3.299
4.906
6.581
8.255
9.883
11.434
12.887
14.233
15.467
16.588
17.601
18.509
19.321
20.042
20.680
21.244
21.739
22.174
22.555
22.887
23.176
23.428
23.646
23.835
23.999
24.141
24.263
24.368
24.459
24.537
24.604
24.661
24.847
24.932
24.970
24.987
24.994
25
Uniform
Payment
Factor
A/G
0
.455
.879
1.274
1.641
1.979
2.290
2.576
2.836
3.074
3.289
3.484
3.660
3.817
3.959
4.085
4.198
4.298
4.386
4.464
4.533
4.594
4.647
4.694
4.735
4.771
4.802
4.829
4.853
4.873
4.891
4.906
4.919
4.931
4.941
4.973
4.988
4.995
4.998
4.999
5
1
2
3
4
5
6
7
8
9
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
40
45
50
55
60
esch_app_b.qxd
576
2/12/03
6:03 PM
Page 576
25%

Single Payment
25%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
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
40
45
50
1.250
1.563
1.953
2.441
3.052
3.815
4.768
5.960
7.451
9.313
11.642
14.552
18.190
22.737
28.422
35.527
44.409
55.511
69.389
86.736
108.420
135.525
169.407
211.758
264.698
330.9
413.6
517.0
646.2
807.8
1010
1262
1578
1972
2465
7523
22959
70065
.8000
.6400
.5120
.4096
.3277
.2621
.2097
.1678
.1342
.1074
.0859
.0687
.0550
.0440
.0352
.0281
.0225
.0180
.0144
.0115
.0092
.0074
.0059
.0047
.0038
.00302
.00242
.00193
.00155
.00124
.000990
.000792
.000634
.000507
.000406
.000133
.000044
.000014
0
1.2500
.6944
.5123
.4234
.3718
.3388
.3163
.3004
.2888
.2801
.2735
.2684
.2645
.2615
.2591
.2572
.2558
.2546
.2537
.2529
.2523
.2519
.2515
.2512
.2509
.2508
.2506
.2505
.2504
.2503
.2502
.2502
.2502
.2501
.2501
.2500
.2500
.2500
.25
.800
1.440
1.952
2.362
2.689
2.951
3.161
3.329
3.463
3.571
3.656
3.725
3.780
3.824
3.859
3.887
3.910
3.928
3.942
3.954
3.963
3.970
3.976
3.981
3.985
3.988
3.990
3.992
3.994
3.995
3.996
3.997
3.997
3.998
3.998
3.999
4.000
4.000
4
1.0000
.4444
.2623
.1734
.1218
.0888
.0663
.0504
.0388
.0301
.0235
.0184
.0145
.0115
.0091
.0072
.00576
.00459
.00366
.00292
.00233
.00186
.00148
.00119
.000948
.000758
.000606
.000485
.000387
.000310
.000248
.000198
.000159
.000127
.000101
.0000332
.0000109
.0000036
0
1.000
2.250
3.813
5.766
8.207
11.259
15.073
19.842
25.802
33.253
42.566
54.208
68.760
86.949
109.687
138.109
173.6
218.0
273.6
342.9
429.7
538.1
673.6
843.0
1055
1319
1650
2064
2581
3227
4035
5045
6307
7885
9857
30089
91831
280256
Present
Worth
Factor
P/G
0
.640
1.664
2.893
4.204
5.514
6.773
7.947
9.021
9.987
10.846
11.602
12.262
12.833
13.326
13.748
14.108
14.415
14.674
14.893
15.078
15.233
15.362
15.471
15.562
15.637
15.700
15.752
15.796
15.832
15.861
15.886
15.906
15.923
15.937
15.977
15.991
15.997
16
Uniform
Payment
Factor
A/G
0
.444
.852
1.225
1.563
1.868
2.142
2.387
2.605
2.797
2.966
3.115
3.244
3.356
3.453
3.537
3.608
3.670
3.722
3.767
3.805
3.836
3.863
3.886
3.905
3.921
3.935
3.946
3.955
3.963
3.969
3.975
3.979
3.983
3.986
3.995
3.998
3.999
4
1
2
3
4
5
6
7
8
9
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
40
45
50
esch_app_b.qxd
2/12/03
6:03 PM
Page 577

30%

Single Payment
30%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
1.300
1.690
2.197
2.856
3.713
4.827
6.275
8.157
10.604
13.786
17.922
23.298
30.288
39.374
51.186
66.542
86.504
112.5
146.2
190.0
247.1
321.2
417.5
542.8
705.6
917.3
1193
1550
2015
2620
.7692
.5917
.4552
.3501
.2693
.2072
.1594
.1226
.0943
.0725
.0558
.0429
.0330
.0254
.0195
.0150
.0116
.00889
.00684
.00526
.00405
.00311
.00239
.00184
.00142
.00109
.000839
.000645
.000496
.000382
1.3000
.7348
.5506
.4616
.4106
.3784
.3569
.3419
.3312
.3235
.3177
.3135
.3102
.3078
.3060
.3046
.3035
.3027
.3021
.3016
.3012
.3009
.3007
.3006
.3004
.3003
.3003
.3002
.3001
.3001
.30
.769
1.361
1.816
2.166
2.436
2.643
2.802
2.925
3.019
3.092
3.147
3.190
3.223
3.249
3.268
3.283
3.295
3.304
3.311
3.316
3.320
3.323
3.325
3.327
3.329
3.330
3.331
3.331
3.332
3.332
3.333
1.0000
.4348
.2506
.1616
.1106
.0784
.0569
.0419
.0312
.0235
.0177
.0135
.0102
.00782
.00598
.00458
.00351
.00269
.00207
.00159
.00122
.000937
.000720
.000554
.000426
.000327
.000252
.000194
.000149
.000115
0
1.000
2.300
3.990
6.187
9.043
12.756
17.583
23.858
32.015
42.619
56.405
74.327
97.625
127.9
167.3
218.5
285.0
371.5
484.0
630.2
820.2
1067
1388
1806
2349
3054
3972
5164
6715
8730
577
Present
Worth
Factor
P/G
0
.592
1.502
2.552
3.630
4.666
5.622
6.480
7.234
7.887
8.445
8.917
9.314
9.644
9.917
10.143
10.328
10.479
10.602
10.702
10.783
10.848
10.901
10.943
10.977
11.005
11.026
11.044
11.058
11.069
11.111
Uniform
Payment
Factor
A/G
0
.435
.827
1.178
1.490
1.765
2.006
2.216
2.396
2.551
2.683
2.795
2.889
2.969
3.034
3.089
3.135
3.172
3.202
3.228
3.248
3.265
3.278
3.289
3.298
3.305
3.311
3.315
3.319
3.322
3.333
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
esch_app_b.qxd
578
2/12/03
6:03 PM
Page 578
35%

Single Payment
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
1.350
1.823
2.460
3.322
4.484
6.053
8.172
11.032
14.894
20.107
27.144
36.644
49.470
66.784
90.158
121.7
164.3
221.8
299.5
404.3
545.8
736.8
994.7
1343
1813
2447
3304
4460
6021
8129
.7407
.5487
.4064
.3011
.2230
.1652
.1224
.0906
.0671
.0497
.0368
.0273
.0202
.0150
.0111
.00822
.00609
.00451
.00334
.00247
.00183
.00136
.00101
.000745
.000552
.000409
.000303
.000224
.000166
.000123
1.3500
.7755
.5897
.5008
.4505
.4193
.3988
.3849
.3752
.3683
.3634
.3598
.3572
.3553
.3539
.3529
.3521
.3516
.3512
.3509
.3506
.3505
.3504
.3503
.3502
.3501
.3501
.3501
.3501
.3500
.35
.741
1.289
1.696
1.997
2.220
2.385
2.508
2.598
2.665
2.715
2.752
2.779
2.799
2.814
2.825
2.834
2.840
2.844
2.848
2.850
2.852
2.853
2.854
2.855
2.856
2.856
2.856
2.857
2.857
2.857
2.857
1.0000
.4255
.2397
.1508
.1005
.0693
.0488
.0349
.0252
.0183
.0134
.00982
.00722
.00532
.00393
.00290
.00214
.00158
.00117
.000868
.000642
.000476
.000352
.000261
.000193
.000143
.000106
.000078
.000058
.000043
0
1.000
2.350
4.173
6.633
9.954
14.438
20.492
28.664
39.696
54.590
74.697
101.8
138.5
188.0
254.7
344.9
466.6
630.9
852.7
1152
1556
2102
2839
3834
5177
6989
9437
12740
17200
23222
35%
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
.549
1.362
2.265
3.157
3.983
4.717
5.352
5.889
6.336
6.705
7.005
7.247
7.442
7.597
7.721
7.818
7.895
7.955
8.002
8.038
8.067
8.089
8.106
8.119
8.130
8.137
8.143
8.148
8.152
8.163
.426
.803
1.134
1.422
1.670
1.881
2.060
2.209
2.334
2.436
2.520
2.589
2.644
2.689
2.725
2.753
2.776
2.793
2.808
2.819
2.827
2.834
2.839
2.843
2.847
2.849
2.851
2.852
2.853
2.857
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
esch_app_b.qxd
2/12/03
6:03 PM
Page 579

40%

Single Payment
40%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
1.400
1.960
2.744
3.842
5.378
7.530
10.541
14.758
20.661
28.925
40.496
56.694
79.371
111.1
155.6
217.8
304.9
426.9
597.6
836.7
1171
1640
2296
3214
4500
6300
8820
12348
17287
24201
.7143
.5102
.3644
.2603
.1859
.1328
.0949
.0678
.0484
.0346
.0247
.0176
.0126
.00900
.00643
.00459
.00328
.00234
.00167
.00120
.000854
.000610
.000436
.000311
.000222
.000159
.000113
.000081
.000058
.000041
1.4000
.8167
.6294
.5408
.4914
.4613
.4419
.4291
.4203
.4143
.4101
.4072
.4051
.4036
.4026
.4018
.4013
.4009
.4007
.4005
.4003
.4002
.4002
.4001
.4001
.4001
.4000
.4000
.4000
.4000
.40
.714
1.224
1.589
1.849
2.035
2.168
2.263
2.331
2.379
2.414
2.438
2.456
2.469
2.478
2.484
2.489
2.492
2.494
2.496
2.497
2.498
2.498
2.499
2.499
2.499
2.500
2.500
2.500
2.500
2.500
2.5
1.0000
.4167
.2294
.1408
.0914
.0613
.0419
.0291
.0203
.0143
.0101
.00718
.00510
.00363
.00259
.00185
.00132
.000939
.000670
.000479
.000342
.000244
.000174
.000124
.000089
.000064
.000045
.000032
.000023
.000017
0
1.000
2.400
4.360
7.104
10.946
16.324
23.853
34.395
49.153
69.814
98.739
139.2
195.9
275.3
386.4
542.0
759.8
1065
1492
2089
2926
4097
5737
8033
11247
15747
22047
30867
43214
60501
579
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
.510
1.239
2.020
2.764
3.428
3.997
4.471
4.858
5.170
5.417
5.611
5.762
5.879
5.969
6.038
6.090
6.130
6.160
6.183
6.200
6.213
6.222
6.229
6.235
6.239
6.242
6.244
6.245
6.247
6.25
.417
.780
1.092
1.358
1.581
1.766
1.919
2.042
2.142
2.221
2.285
2.334
2.373
2.403
2.426
2.444
2.458
2.468
2.476
2.482
2.487
2.490
2.493
2.494
2.496
2.497
2.498
2.498
2.499
2.5
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
esch_app_b.qxd
580
2/12/03
6:03 PM
Page 580
45%

Single Payment
45%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
1.450
2.103
3.049
4.421
6.410
9.294
13.476
19.541
28.334
41.085
59.573
86.381
125.3
181.6
263.3
381.8
553.7
802.8
1164
1688
2448
3549
5146
7462
10819
15688
22748
32984
47827
69349
.6897
.4756
.3280
.2262
.1560
.1076
.0742
.0512
.0353
.0243
.0168
.0116
.00798
.00551
.00380
.00262
.00181
.00125
.000859
.000592
.000409
.000282
.000194
.000134
.0000924
.0000637
.0000440
.0000303
.0000209
.0000144
0
1.4500
.8582
.6697
.5816
.5332
.5043
.4861
.4743
.4665
.4612
.4577
.4553
.4536
.4525
.4517
.4512
.4508
.4506
.4504
.4503
.4502
.4501
.4501
.4501
.4500
.4500
.4500
.4500
.4500
.4500
.45
.690
1.165
1.493
1.720
1.876
1.983
2.057
2.109
2.144
2.168
2.185
2.196
2.204
2.210
2.214
2.216
2.218
2.219
2.220
2.221
2.221
2.222
2.222
2.222
2.222
2.222
2.222
2.222
2.222
2.222
2.222
1.0000
.4082
.2197
.1316
.0832
.0543
.0361
.0243
.0165
.0112
.00768
.00527
.00362
.00249
.00172
.00118
.000814
.000561
.000387
.000267
.000184
.000127
.0000875
.0000603
.0000416
.0000287
.0000198
.0000136
.0000094
.0000065
0
1.000
2.450
4.553
7.601
12.022
18.431
27.725
41.202
60.743
89.077
130.2
189.7
276.1
401.4
583.0
846.3
1228
1782
2585
3749
5437
7884
11433
16579
24041
34860
50548
73296
106280
154107
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
.476
1.132
1.810
2.434
2.972
3.418
3.776
4.058
4.277
4.445
4.572
4.668
4.740
4.793
4.832
4.861
4.882
4.898
4.909
4.917
4.923
4.927
4.930
4.933
4.934
4.935
4.936
4.937
4.937
4.938
.408
.758
1.053
1.298
1.499
1.661
1.791
1.893
1.973
2.034
2.082
2.118
2.145
2.165
2.180
2.191
2.200
2.206
2.210
2.214
2.216
2.218
2.219
2.220
2.221
2.221
2.221
2.222
2.222
2.222
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
esch_app_b.qxd
2/12/03
6:03 PM
Page 581

50%

Single Payment
581
50%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
1.500
2.250
3.375
5.063
7.594
11.391
17.086
25.629
38.443
57.665
86.498
129.7
194.6
291.9
437.9
656.8
985.3
1478
2217
3325
4988
7482
11223
16834
25251
.6667
.4444
.2963
.1975
.1317
.0878
.0585
.0390
.0260
.0173
.0116
.00771
.00514
.00343
.00228
.00152
.00101
.000677
.000451
.000301
.000200
.000134
.0000891
.0000594
.0000396
0
1.5000
.9000
.7105
.6231
.5758
.5481
.5311
.5203
.5134
.5088
.5058
.5039
.5026
.5017
.5011
.5008
.5005
.5003
.5002
.5002
.5001
.5001
.5000
.5000
.5000
.50
.667
1.111
1.407
1.605
1.737
1.824
1.883
1.922
1.948
1.965
1.977
1.985
1.990
1.993
1.995
1.997
1.998
1.999
1.999
1.999
2.000
2.000
2.000
2.000
2.000
2
1.0000
.4000
.2105
.1231
.0758
.0481
.0311
.0203
.0134
.00882
.00585
.00388
.00258
.00172
.00114
.000762
.000508
.000339
.000226
.000150
.000100
.0000668
.0000446
.0000297
.0000198
0
1.000
2.500
4.750
8.125
13.188
20.781
32.172
49.258
74.887
113.3
171.0
257.5
387.2
581.9
873.8
1312
1969
2954
4432
6649
9974
14962
22443
33666
50500
0
.444
1.037
1.630
2.156
2.595
2.947
3.220
3.428
3.584
3.699
3.784
3.846
3.890
3.922
3.945
3.961
3.973
3.981
3.987
3.991
3.994
3.996
3.997
3.998
4
0
.400
.737
1.015
1.242
1.423
1.565
1.675
1.760
1.824
1.871
1.907
1.933
1.952
1.966
1.976
1.983
1.988
1.991
1.994
1.996
1.997
1.998
1.999
1.999
2
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
esch_app_b.qxd
582
2/12/03
6:03 PM
Page 582
60%

Single Payment
60%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
1.600
2.560
4.096
6.554
10.486
16.777
26.844
42.950
68.719
110.0
175.9
281.5
450.4
720.6
1153
1845
2951
4722
7556
12089
.6250
.3906
.2441
.1526
.0954
.0596
.0373
.0233
.0146
.00909
.00568
.00355
.00222
.00139
.000867
.000542
.000339
.000212
.000132
.000083
0
1.6000
.9846
.7938
.7080
.6633
.6380
.6232
.6143
.6089
.6055
.6034
.6021
.6013
.6008
.6005
.6003
.6002
.6001
.6001
.6000
.60
.625
1.016
1.260
1.412
1.508
1.567
1.605
1.628
1.642
1.652
1.657
1.661
1.663
1.664
1.665
1.666
1.666
1.666
1.666
1.667
1.667
1.0000
.3846
.1938
.1080
.0633
.0380
.0232
.0143
.00886
.00551
.00343
.00214
.00134
.000834
.000521
.000325
.000203
.000127
.000079
.000050
0
1.000
2.600
5.160
9.256
15.810
26.295
43.073
69.916
112.9
181.6
291.5
467.5
748.9
1199
1920
3073
4917
7869
12591
20147
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
.391
.879
1.337
1.718
2.016
2.240
2.403
2.519
2.601
2.658
2.697
2.724
2.742
2.754
2.762
2.767
2.771
2.773
2.775
2.778
.385
.698
.946
1.140
1.286
1.396
1.476
1.534
1.575
1.604
1.624
1.638
1.647
1.654
1.658
1.661
1.663
1.664
1.665
1.667
70%
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
N
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
70%
1.700
2.890
4.913
8.352
14.199
24.138
41.034
69.758
118.6
201.6
342.7
582.6
990.5
1684
2862
4866
8272
14063
23907
40642
.5882
.3460
.2035
.1197
.0704
.0414
.0244
.0143
.00843
.00496
.00292
.00172
.00101
.000594
.000349
.000206
.000121
.000071
.000042
.000025
0
1.7000
1.0704
.8789
.7952
.7530
.7303
.7175
.7102
.7060
.7035
.7020
.7012
.7007
.7004
.7002
.7001
.7001
.7000
.7000
.7000
.70
.588
.934
1.138
1.258
1.328
1.369
1.394
1.408
1.417
1.421
1.424
1.426
1.427
1.428
1.428
1.428
1.428
1.428
1.429
1.429
1.429
1.0000
.3704
.1789
.0952
.0530
.0303
.0175
.0102
.00595
.00349
.00205
.00120
.000707
.000416
.000245
.000144
.000085
.000050
.000029
.000017
0
1.000
2.700
5.590
10.503
18.855
33.054
57.191
98.225
168.0
286.6
488.2
830.9
1414
2404
4088
6950
11816
20089
34152
58059
.346
.753
1.112
1.394
1.601
1.747
1.848
1.915
1.960
1.989
2.008
2.020
2.028
2.033
2.036
2.038
2.039
2.040
2.040
2.041
.370
.662
.885
1.050
1.169
1.254
1.312
1.352
1.379
1.396
1.408
1.415
1.420
1.423
1.425
1.427
1.427
1.428
1.428
1.429
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
esch_app_b.qxd
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6:03 PM
Page 583

80%

Single Payment
80%
Arithmetic Gradient
Compound
Amount
Factor
F/P
Present
Worth
Factor
P/F
Capital
Recovery
Factor
A/P
Present
Worth
Factor
P/A
Sinking
Fund
Factor
A/F
Compound
Amount
Factor
F/A
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
1.800
3.240
5.832
10.498
18.896
34.012
61.222
110.2
198.4
357.0
642.7
1157
2082
3748
6747
.5556
.3086
.1715
.0953
.0529
.0294
.0163
.00907
.00504
.00280
.00156
.000864
.000480
.000267
.000148
1.8000
1.1571
.9656
.8842
.8447
.8242
.8133
.8073
.8041
.8022
.8012
.8007
.8004
.8002
.8001
.80
.556
.864
1.036
1.131
1.184
1.213
1.230
1.239
1.244
1.246
1.248
1.249
1.249
1.250
1.250
1.25
1.0000
.3571
.1656
.0842
.0447
.0242
.0133
.00733
.00405
.00225
.00125
.000692
.000384
.000213
.000119
0
1.000
2.800
6.040
11.872
22.370
41.265
75.278
136.5
246.7
445.1
802.1
1445
2602
4684
8432
Present
Worth
Factor
P/G
Uniform
Payment
Factor
A/G
.309
.652
.937
1.149
1.296
1.394
1.458
1.498
1.523
1.539
1.548
1.554
1.557
1.559
1.563
.357
.629
.829
.971
1.068
1.134
1.177
1.204
1.222
1.233
1.240
1.244
1.246
1.248
1.25
90%
1
2
3
4
5
6
7
8
9
10
N
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
90%
1.900
3.610
6.859
13.032
24.761
47.046
89.387
169.8
322.7
613.1
.5263
.2770
.1458
.0767
.0404
.0213
.0112
.00589
.00310
.00163
0
1.9000
1.2448
1.0536
0.9748
0.9379
0.9195
0.9102
0.9053
0.9028
0.9015
0.90
.526
.803
.949
1.026
1.066
1.087
1.099
1.105
1.108
1.109
1.111
1.0000
.3448
.1536
.0748
.0379
.0195
.0102
.00533
.00280
.00147
0
1.000
2.900
6.510
13.369
26.401
51.162
98.208
187.6
357.4
680.1
0.
.277
.569
.799
.960
1.067
1.134
1.175
1.200
1.214
1.235
0
.345
.599
.779
.901
.981
1.032
1.064
1.083
1.095
1.111
100%
1
2
3
4
5
6
7
8
9
10
583
1
2
3
4
5
6
7
8
9
10
100%
2.000
4.000
8.000
16.000
32.000
64.000
128.0
256.0
512.0
1024
.5000
.2500
.1250
.0625
.0313
.0156
.00781
.00391
.00195
.00098
0
2.0000
1.3333
1.1429
1.0667
1.0323
1.0159
1.0079
1.0039
1.0020
1.0010
1
.500
.750
.875
.938
.969
.984
.992
.996
.998
.999
1
1.0000
.3333
.1429
.0667
.0323
.0159
.00787
.00392
.00196
.00098
0
1.000
3.000
7.000
15.000
31.000
63.000
127.0
255.0
511.0
1023
.250
.500
.688
.813
.891
.938
.965
.980
.989
1
.333
.571
.733
.839
.905
.945
.969
.982
.990
1
1
2
3
4
5
6
7
8
9
10
esch_app_b.qxd
2/12/03
6:03 PM
Page 584

Discrete Compounding Table

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Limits of the Factors

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

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END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

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END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

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END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES

End-of-Period Compound Interest Factors

Uniform Payment Series

END-OF-PERIOD COMPOUND INTEREST TABLES