newn42040_appB.

qxd 1/5/04 10:52 AM Page 559

APPENDIX B

Compound Interest
Tables
Values of Interest Factors When N Equals Infinity
Single Payment:
(FP, i, ∞) = ∞
(PF, i, ∞) = 0
Arithmetic Gradient Series:
(AG, i, ∞) = 1i
(PG, i, ∞) = 1i2

559

Uniform Payment Series:
(AF, i, ∞) = 0
(AP, i, ∞) = i
(FA, i, ∞) = ∞
(PA, i, ∞) = 1i

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560

COMPOUND INTEREST TABLES

1

/4%

1

Compound Interest Factors
Single Payment

/4%

Uniform Payment Series

Arithmetic Gradient

n

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

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

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

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
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

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
1.094
1.105
1.127
1.133
1.139
1.162
1.191
1.197
1.221
1.233
1.252
1.271
1.284
1.297
1.349
1.821
2.457
3.315

.9975
.9950
.9925
.9901
.9876
.9851
.9827
.9802
.9778
.9753
.9729
.9705
.9681
.9656
.9632
.9608
.9584
.9561
.9537
.9513
.9489
.9465
.9442
.9418
.9395
.9371
.9348
.9325
.9301
.9278
.9140
.9049
.8871
.8826
.8782
.8609
.8396
.8355
.8189
.8108
.7987
.7869
.7790
.7713
.7411
.5492
.4070
.3016

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
.0266
.0238
.0196
.0188
.0180
.0155
.0131
.0127
.0113
.0107
.00992
.00923
.00881
.00843
.00716
.00305
.00172
.00108

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
.0291
.0263
.0221
.0213
.0205
.0180
.0156
.0152
.0138
.0132
.0124
.0117
.0113
.0109
.00966
.00555
.00422
.00358

1.000
2.003
3.008
4.015
5.025
6.038
7.053
8.070
9.091
10.113
11.139
12.167
13.197
14.230
15.266
16.304
17.344
18.388
19.434
20.482
21.534
22.587
23.644
24.703
25.765
26.829
27.896
28.966
30.038
31.114
37.621
42.014
50.932
53.189
55.458
64.647
76.395
78.780
88.440
93.343
100.789
108.349
113.451
118.605
139.743
328.306
582.745
926.074

0.998
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
16.624
17.580
18.533
19.485
20.434
21.380
22.324
23.266
24.206
25.143
26.078
27.010
27.940
28.868
34.387
38.020
45.179
46.947
48.705
55.653
64.144
65.817
72.427
75.682
80.504
85.255
88.383
91.480
103.563
180.312
237.191
279.343

0
0.504
1.005
1.501
1.998
2.498
2.995
3.490
3.987
4.483
4.978
5.474
5.968
6.464
6.957
7.451
7.944
8.437
8.929
9.421
9.912
10.404
10.894
11.384
11.874
12.363
12.852
13.341
13.828
14.317
17.234
19.171
23.025
23.984
24.941
28.755
33.485
34.426
38.173
40.037
42.820
45.588
47.425
49.256
56.512
107.590
152.894
192.673

0
1.005
2.999
5.966
9.916
14.861
20.755
27.611
35.440
44.216
53.950
64.634
76.244
88.826
102.301
116.716
132.063
148.319
165.492
183.559
202.531
222.435
243.212
264.854
287.407
310.848
335.150
360.343
386.366
413.302
592.632
728.882
1 040.22
1 125.96
1 214.76
1 600.31
2 147.87
2 265.81
2 764.74
3 030.06
3 447.19
3 886.62
4 191.60
4 505.93
5 852.52
19 399.75
36 264.96
53 821.93

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
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

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COMPOUND INTEREST TABLES
1

/2%

1

Compound Interest Factors
Single Payment

561
/2%

Uniform Payment Series

Arithmetic Gradient

n

Compound
Amount
Factor
Find F
Given P
F/P

Present
Worth
Factor
Find P
Given F
P/F

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

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

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
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

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
1.197
1.221
1.270
1.283
1.296
1.349
1.418
1.432
1.490
1.520
1.567
1.614
1.647
1.680
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
.8356
.8191
.7871
.7793
.7716
.7414
.7053
.6983
.6710
.6577
.6383
.6195
.6073
.5953
.5496
.3021
.1660
.0913

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
.0254
.0226
.0185
.0177
.0169
.0143
.0120
.0116
.0102
.00961
.00883
.00814
.00773
.00735
.00610
.00216
.00100
.00050

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
.0304
.0276
.0235
.0227
.0219
.0193
.0170
.0166
.0152
.0146
.0138
.0131
.0127
.0124
.0111
.00716
.00600
.00550

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
39.336
44.159
54.098
56.645
59.218
69.770
83.566
86.409
98.068
104.074
113.311
122.829
129.334
135.970
163.880
462.041
1 004.5
1 991.5

0.995
1.985
2.970
3.951
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
32.871
36.172
42.580
44.143
45.690
51.726
58.939
60.340
65.802
68.453
72.331
76.095
78.543
80.942
90.074
139.581
166.792
181.748

0
0.499
0.996
1.494
1.990
2.486
2.980
3.474
3.967
4.459
4.950
5.441
5.931
6.419
6.907
7.394
7.880
8.366
8.850
9.334
9.817
10.300
10.781
11.261
11.741
12.220
12.698
13.175
13.651
14.127
16.962
18.836
22.544
23.463
24.378
28.007
32.468
33.351
36.848
38.576
41.145
43.685
45.361
47.025
53.551
96.113
128.324
151.795

0
0.991
2.959
5.903
9.803
14.660
20.448
27.178
34.825
43.389
52.855
63.218
74.465
86.590
99.574
113.427
128.125
143.668
160.037
177.237
195.245
214.070
233.680
254.088
275.273
297.233
319.955
343.439
367.672
392.640
557.564
681.341
959.928
1 035.70
1 113.82
1 448.65
1 913.65
2 012.35
2 424.65
2 640.67
2 976.08
3 324.19
3 562.80
3 806.29
4 823.52
13 415.56
21 403.32
27 588.37

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
36
40
48
50
52
60
70
72
80
84
90
96
100
104
120
240
360
480

779 17.602 14.987 2.015 1.0591 .00055 .179 1.0875 .5500 .0336 .275 68.0632 .282 129.213 9.0373 .4737 .030 1.60 3 998.344 11.7416 .211 21.0440 .0249 .059 19.251 1.9562 .175 2.425 91.127 1.053 21.1636 .422 12.23 2 308.265 42.00771 1.823 25.737 8.8296 .447 34.160 8.170 1.233 1.0397 .818 1.22 2 578.3308 .070 22.777 9.59 1 708.831 61.8742 .494 20.038 1.932 18.775 31.0208 .491 97.0629 .447 57.619 51.412 5.976 26.576 350.812 43.0465 .076 6.0184 .8234 .479 2.1664 .0139 .727 10.662 0 0.517 667.6387 .5104 .170 224.5839 .0492 .8112 .0441 .5338 .119 1.0457 .275 10.805 31.785 34.0233 .951 4.8612 .0215 .959 2.0290 .0241 .521 11.508 19.881 139.956 3.653 85.122 373.899 953.0143 .889 72.008 1.440 4.0310 .508 13.005 110.68 1 791.521 60.834 50.00517 .0382 .029 32.9280 .7641 .479 13.453 1.309 1.360 25.189 27.704 15.348 1.8548 .074 116.0075 .428 127.0174 .50 15 513.8807 .16 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 .5056 .04 3 040.00917 .0277 1.928 48.380 6.054 1.447 40.188 1.078 1.672 9.1078 .519 886.1970 .0707 .318 124.0127 .8873 .926 4.086 1.499 0.0000 .035 78.421 305.431 1.111 2.9007 .943 5.0153 .905 16.0167 .00859 .68 9 494.4079 .462 3.0365 .0298 .9142 .111 .687 1.8052 .0951 .9926 .261 33.4597 .8484 .566 1.422 107.00150 .1293 .0495 .114 7.000 2.600 10.144 1.195 20.115 119.9706 .1711 .0161 .9211 .0109 .9420 .242 1.971 3.343 7.254 188.889 5.0105 .00782 .548 13.653 23.363 20.477 59.3383 .927 5.9852 .673 11.7992 .049 2.196 1.259 70.062 1.0180 .85 3 229.332 44.503 41.492 1.672 327.64 1 313.567 42.214 1.153 46.0243 .0385 .8940 .540 37.187 26.995 62.33 2 132.0810 .0166 .0400 .621 95.0158 .978 2.289 35.0876 .00675 .0540 .339 21.0554 .0322 .0521 .038 637.023 1.161 1.6986 .024 15.6780 .094 1.889 22.0147 .342 13.046 1.993 1.302 525.243 14.253 9.8676 .9350 .268 31.731 36.641 0 0.822 27.1397 .846 6.942 111.2472 .300 8.023 4.0755 .070 1.5 0.0666 .1153 .613 12.451 6.008 3.911 1 022.0350 .0567 .00805 .996 1.qxd 1/5/04 10:52 AM Page 562 562 COMPOUND INTEREST TABLES 3 /4% 3 Compound Interest Factors Single Payment /4% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 1.1218 .695 243.0679 .00715 .081 12.949 23.0735 .2045 .719 23.171 25.9074 .687 193.0133 .0318 .822 8.143 11.696 18.924 263.0516 .986 2.897 6.014 13.507 22.891 171.9778 .110 1.137 15.26 13 312.0967 .435 12.00021 1.175 72.09 2 854.001 26.352 206.145 124.858 148.542 24.496 41.2547 .135 1.9633 .153 1.591 29.795 7.273 154.1042 .862 7.779 84.8421 .647 18.0411 .174 54.154 65.205 1.0475 .8173 .0800 .8358 .009 14.4981 .385 28.901 1 830.475 1.9490 .305 55.712 14.185 41.395 63.942 16.224 1.008 109.0420 .857 9.0680 .00638 .312 75.5927 .045 5.137 39.834 284.8 4 681.201 10.102 1.814 16.0596 .0425 .465 32.410 139.6882 .newn42040_appB.713 1.491 22.00900 .873 1.1472 .147 156.4881 .

804 9.0788 .645 1.2463 .1056 .464 230.7644 .9515 .694 198.498 0.960 3.8963 .4975 .481 107.00690 .8613 .214 8.769 81.819 97.562 16.0182 .620 596.9803 .0101 1.3553 .852 13.87 2 023.1167 .000 2.0122 .00765 .107 32.42 2 605.0205 .9706 .0643 .886 61.134 13.5504 .0581 .0100 .239 34.483 11.610 14.7493 .4084 .0824 .7419 .941 12.066 25.64 1 597.0143 .7798 .094 1.0103 .9610 .010 3.920 0 0.019 23.927 170.0454 .861 6.6203 .652 8.0965 .1207 .398 17.678 1.9327 .newn42040_appB.0169 .809 14.6717 .9053 .0543 .0724 .127 1.8277 .0481 .041 1.157 0 0.0222 .716 26.916 1 192.0579 .00551 .0311 .717 37.648 .150 54.1960 .462 11.00843 1.4885 .0769 .0454 .255 12.0332 .504 333.0489 .218 99.955 50.718 15.422 94.0155 .892 272.835 75.321 1.116 1.00993 .0509 .598 22.0387 .257 1.0305 .785 43.817 2.672 144.450 34.660 20.853 5.0159 .599 2.qxd 1/5/04 10:52 AM Page 563 COMPOUND INTEREST TABLES 1% Compound Interest Factors Single Payment 563 1% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 1.397 12.0110 .023 22.993 1.486 355.0232 .974 39.282 1.795 23.59 8 720.062 1.560 24.8034 .481 181.0299 .6080 .9901 .0196 .436 23.854 820.471 69.0669 .835 37.8195 .688 47.00587 .648 59.821 32.682 13.047 2.2563 .046 18.105 1.239 24.973 28.941 3.0148 .7720 .612 1.471 2.739 89.0287 .161 61.448 3.563 11.129 33.8787 .010 1.710 121.815 3.676 104.0409 .702 9.808 30.0721 .7954 .17 3 334.0530 .431 1.9143 .0424 .8444 .223 64.1625 .0 11 764.843 50.80 1 528.0865 .179 252.900 5.806 60.756 16.195 292.289 7.0956 .489 1.00955 .161 1.300 10.418 4.567 12.0199 .0324 .8528 .0163 .0389 .030 4.917 26.970 2.0177 .152 7.4511 .00625 .338 6.8700 .226 18.072 1.060 5.8874 .43 9 511.394 44.15 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 .893 35.0471 .5961 .7876 .699 95.381 5.872 39.208 1.0399 .0439 .368 11.184 1.0411 .243 22.0621 .0918 .0000 .0371 .471 10.8114 .947 16.0888 .144 879.990 1.00008 1.783 134.417 939.178 21.470 31.565 216.243 29.0263 .428 18.865 14.795 6.4983 .615 20.3847 .348 1.6989 .3697 .051 1.3400 .00822 .029 64.0248 .1725 .8 0.11 6 878.934 4.004 13.488 1.888 56.343 42.270 1.316 25.671 130.4335 .430 19.465 181.3300 .320 19.039 989.728 7.5075 .902 4.168 51.0278 .381 33.980 2.169 9.8360 .31 2 240.857 19.0255 .0339 .308 1.0679 .196 1.950 118.024 11.86 1 879.814 7.526 30.533 30.670 100.254 3 495.100 10.00029 .980 2.112 82.1307 .1486 .001 494.0163 .217 2.568 71.065 234.030 1.456 21.701 90.020 1.149 1.0430 .705 2.811 22.528 63.0354 .101 6.258 18.269 26.007 2.3030 .083 1.069 312.220 1.463 67.097 17.286 9.295 1.0510 .245 1.307 2.077 48.472 25.232 1.77 2 752.00101 .249 35.00435 .138 1.232 8.369 10.0554 .973 41.761 8.304 13.566 9.0610 .449 2.921 5.56 2 459.335 1.2060 .863 159.9235 .173 1.695 41.9420 .995 149.0155 .1067 .895 165.196 40.7568 .1386 .635 10.273 120.

1321 .714 12.9755 .485 1.0360 .1057 .992 1.746 6.644 1.0468 .463 10.4 31 017.0314 .523 260.132 1.9877 .230 16.696 36.48 1 661.352 5.2252 .0193 .284 317.963 2.0222 .0439 .26 2 355.932 37.3 6 923.386 2.796 23.146 1.0211 .0658 .107 2.081 22.0693 .86 1 953.563 23.0854 .988 1.215 298.446 2.976 2.030 16.120 147.0277 .769 7.1182 .951 3.861 1.675 136.7898 .818 5.0507 .068 42.0443 .293 50.825 59.2579 .2887 .882 72.0114 .881 32.8404 .059 3.908 2.822 53.416 1.398 4.660 25.327 35.716 87.364 1.7704 .47 1 428.220 1 497.00680 .7240 .722 25.282 1.604 45.0161 .0347 .346 10.152 41.930 12.196 16.298 1.976 2.248 12.839 3.00014 .0179 .5242 .035 46.1740 .4746 .180 39.0125 .0194 .381 1.309 130.0378 .359 9.235 1.013 38.347 1.qxd 1/5/04 10:52 AM Page 564 564 COMPOUND INTEREST TABLES 1 1/4% 1 1/4% Compound Interest Factors Single Payment Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 1.0126 .133 13.759 9.706 183.811 20.692 864.0238 .582 11.0735 .725 56.2076 .0544 .9515 .0713 .025 1.882 20.74 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 .038 4.1501 .623 279.7800 .942 79.229 68.326 36.9398 .455 10.348 191.104 1.3522 .7062 .6394 .8096 .497 0.0485 .8723 .7609 .702 8.299 6.3417 .998 33.013 1.452 1.8615 .297 22.564 1.89 1 778.500 31.628 9.0263 .166 8.930 22.129 45.058 104.355 117.809 29.8832 .8942 .0838 .852 21.940 175.794 0 0.237 7.0657 .1070 .803 12.164 17.438 92.624 21.503 24.0186 .021 15.1951 .3702 .357 22.0624 .434 1.205 1.191 7.86 1 370.513 80.0402 .930 242.904 5.000 2.889 28.160 19.4191 .131 19.713 .00474 .420 15.3269 .00507 .9282 .0398 .5509 .918 4.701 2.0125 1.840 78.00363 .0595 .386 17.1 0.0413 .0270 .013 3.0288 .118 1.55 5 997.296 3.0215 .119 159.85 2 127.314 1.297 559.0532 .640 4.046 21.470 47.177 75.218 11.130 164.00735 .1196 .7330 .00257 1.462 9.091 1.0523 .355 11.59 5 101.492 30.331 1.901 58.9634 .1376 .0778 .190 275.130 21.903 145.0499 .038 1.248 811.435 3.00545 .960 1 084.190 1.119 67.0328 .771 13.827 6.3292 .088 9.0419 .079 11.2454 .268 8.846 55.643 197.440 19.251 1.302 69.601 14.847 31.878 4.175 1.814 337.200 24.064 1.4969 .051 1.860 14.001 10.086 79.280 34.762 0 0.6975 .458 27.568 8.873 115.490 65.859 224.0568 .463 3.387 51.7996 .845 25.0610 .074 211.0300 .599 18.0000 .0145 .9167 .00003 1.370 19.0470 .0568 .518 14.663 7.464 2.266 1.0503 .0198 .983 75.3034 .newn42040_appB.6889 .161 1.076 5.4088 .788 29.00067 .0132 .0783 .220 1.136 30.00607 .0319 .7150 .6084 .983 34.399 1.591 18.127 6.116 51.545 10.286 38.8300 .2747 .927 3.0979 .0343 .628 88.906 11.845 1.0138 .101 49.0172 .7515 .205 32.691 13.7422 .0903 .90 2 796.00902 .849 17.91 6 284.247 759.0153 .077 1.0278 .00864 .0945 .327 207.0453 .9054 .792 466.5094 .876 5.575 110.5373 .0176 .0113 .0425 .143 26.55 2 242.572 16.8197 .406 40.8509 .1615 .543 388.021 61.

495 1.015 1.797 23.030 1.068 22.6690 .8746 .6995 .288 1.7207 .000 35.176 4.470 25.0459 .559 10.388 15.702 51.0409 .929 211.2256 .00405 .291 3.0333 .837 27.377 4.78 1 473.614 0 0.450 16.0917 .0993 .0537 .0488 .0212 .qxd 1/5/04 10:52 AM Page 565 COMPOUND INTEREST TABLES 1 1/2% 1 1/2% Compound Interest Factors Single Payment 565 Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 1.046 1.69 2 359.682 17.375 199.000 2.481 1.731 12.666 21.2594 .823 524.430 1.432 4.456 2.9852 .230 7.901 4.0767 .237 15.4611 .722 7.69 3 870.4894 .407 47.093 1.8118 .737 64.710 166.496 0.614 32.152 6.0852 .694 101.227 11.0197 .5513 .995 284.7315 .835 2.940 140.727 23.3527 .443 2.061 1.00437 .093 28.863 13.8489 .0180 .5113 .2395 .4750 .422 13.189 31.494 55.601 266.932 331.0499 .054 67.388 1.2444 .955 796.042 35.6892 .0453 .005 9.790 302.2863 .0194 .0290 .353 66.9145 .7880 .0797 .0638 .990 1.969 35.8617 .376 24.9563 .996 216.380 43.7764 .0254 .00079 1.0294 .288 0 0.1605 .74 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 .1196 .489 21.6591 .1046 .0334 .720 21.0150 1.525 439.7649 .0184 .9707 .819 4.956 2.7999 .0210 .438 37.987 34.157 1 231.131 14.673 16.124 24.172 187.0136 .632 212.276 54.961 13.323 8.6790 .0708 .0278 .912 3.105 2.030 20.184 7.307 1.0232 .925 96.703 11.1366 .0671 .400 25.740 36.496 89.970 2.796 66.8 14 113.00470 .178 1.4963 .0582 .791 6.00007 .7536 .1755 .347 1.0349 .1084 .00655 .043 2.1336 .611 169.0303 .0749 .9010 .286 2 308.0000 .085 232.00532 .6398 .514 32.994 19.908 15.0203 .788 11.00043 .322 5.598 7.0286 .349 703.099 12.201 20.428 22.854 4.8877 .8364 .9422 .929 39.883 5.0647 .902 10.399 22.664 12.518 59.225 28.258 6.077 1.250 1.700 1 269.041 14.966 66.967 34.539 47.682 77.1941 .43 2 025.742 32.900 18.00817 .493 3.00001 1.621 19.0281 .0609 .565 73.709 1.6494 .589 42.3423 .0278 .0362 .1186 .661 29.0144 .214 122.8 0.0104 .0150 .505 154.907 11.0702 .210 50.0599 .0416 .143 1.643 8.943 78.68 4 310.331 20.7425 .451 1.241 184.367 1.179 25.0151 .422 3.0483 .110 1.076 152.408 1.0428 .0558 .269 1.433 9.0266 .155 43.0367 .071 10.426 17.563 1.0934 .498 64.0843 .985 1.268 69.473 1.972 321.063 31.999 37.1675 .3039 .360 9.932 19.514 113.00472 .126 1.0317 .2091 .0521 .940 3.0387 .633 30.7100 .845 46.00602 .00302 .0128 .214 1.2619 .15 1 279.8240 .346 10.06 1 568.537 749.579 49.529 29.50 1 709.455 9.0517 .610 40.481 35.71 4 415.529 38.016 27.327 1.0432 .814 2.196 1.222 10.5851 .0228 .851 5.9283 .newn42040_appB.232 1.3284 .0467 .704 5.625 52.697 6.0559 .626 249.921 3.554 9.365 48.015 3.0190 .00781 .161 1.091 5.719 228.543 13.528 20.1516 .531 12.0440 .901 17.3434 .46 1 937.343 14.363 128.169 17.0154 .970 2.169 2.783 5.4093 .2126 .709 9.916 34.802 246.3 84 577.855 58.868 988.045 4.937 126.540 1.517 1.7 .0215 .53 1 847.100 8.486 8.

88 1 610.0156 .0812 .101 9.952 12.3276 .093 13.081 149.989 1.644 33.136 136.032 57.027 0 0.683 1.1355 .09 1 749.655 47.00345 .0497 .109 20.254 57.149 255.9330 .880 43.448 18.0310 .246 215.00739 .0652 .481 8.9828 .1891 .0175 .1595 .0547 .152 25.4957 .960 36.00375 .945 22.0245 .209 20.967 306.0202 .021 29.261 9.1247 .129 1.2496 .6152 .0119 .091 1.496 0.964 40.602 20.4996 .368 3.0692 .27 3 219.867 2.625 87.017 56.1036 .00531 .389 27.130 492.918 56.949 2.141 33.0552 .851 14.0637 .478 1.101 11.0623 .297 1.428 76.7709 .5942 .9169 .695 123.801 19.034 8.00194 .597 1.390 1.516 1.737 50.503 207.149 1.241 34.0135 .6260 .0377 .0322 .987 22.0175 .00955 .0685 .0597 .282 19.0228 .0212 .5 236 259.440 1.405 8.363 39.225 14.6046 .625 1.16 1 500.00003 1.465 1.612 693.039 901.831 4.0377 .528 11.219 6.8704 .018 1.457 15.263 78.00028 .0573 .450 2.0 0.758 6.8121 .0293 .308 515.836 45.487 4.337 47.702 4 135.443 57.88 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 .753 17.373 12.088 39.116 26.415 1.1175 .231 1.08 3 257.0127 .2329 .654 1.178 40.8856 .7192 .2435 .490 1.2098 .002 2.7844 .508 9.0722 .343 1.0867 .535 7.0350 .932 21.538 12.253 1.0931 .837 19.677 7.425 272.1099 .543 1.1007 .9659 .571 34.035 1.00408 .746 21.465 2.1211 .00465 .1764 .671 11.320 1.570 1.036 288.275 1.3531 .352 56.4349 .924 9.827 5.00704 .0357 .0514 .0175 1.381 2.210 1.757 42.742 192.0271 .099 3 617.0178 .225 239.300 2.372 21.169 1.664 9.595 15.865 5.656 10.127 171.0764 .006 4.417 98.0200 .357 4.207 20.129 0 0.671 223.832 3.015` 13.200 415.331 142.2610 .9011 .34 1 149.592 23.0294 .594 32.983 1.795 188.378 8.0832 .644 24.928 10.7981 .5355 .640 17.0398 .039 266.8554 .019 64.qxd 1/5/04 10:52 AM Page 566 566 COMPOUND INTEREST TABLES 1 3/4% 1 3/4% Compound Interest Factors Single Payment Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 1.2868 .1646 .1350 .017 652.0482 .6481 .0209 .327 16.511 163.586 28.017 49.738 37.0422 .269 7.721 36.0477 .566 57.0468 .03 3 001.294 5.0268 .0448 .0216 .178 6.503 1 108.0256 .706 104.288 5.702 25.0339 .409 3.825 12.141 35.0431 .652 40.12 1 309.966 2.748 5.166 245.189 1.931 3.7318 .6710 .461 20.584 8.newn42040_appB.6594 .1770 .195 30.028 401.756 35.6 29 411.543 28.0532 .0443 .00024 1.239 10.0000 .0280 .0233 .898 3.047 53.4057 .791 13.533 31.8263 .0924 .018 3.110 1.8407 .294 33.25 1 387.676 135.294 4.4200 .367 1.3451 .053 1.130 18.985 18.0510 .0249 .1530 .782 110.0589 .152 46.1931 .2106 .5132 .186 26.965 2.765 5.053 4.48 1 681.6947 .0221 .245 32.00249 .885 4.322 13.804 10.132 7.075 8.0756 .000 2.00582 .649 6.365 9.9493 .028 32.062 47.405 177.072 1.668 6.6369 .234 74.5 .851 66.046 16.68 2 003.710 16.106 5.206 15.7446 .311 23.0175 .708 735.903 83.740 11.0302 .556 28.0455 .511 31.6827 .7068 .753 290.7576 .332 13.0307 .2969 .

162 8.0229 .0111 .4529 .5859 .00516 .523 20.0746 .6730 .804 12.793 171.0497 .0822 .325 8.693 7.308 7.0288 .357 30.0366 .950 12.0000 .255 5 744.200 96.914 19.9804 .8203 .568 51.567 2 498.601 6.116 23.884 3.297 25.673 31.808 4.214 12.996 0 0.829 1 034.020 3.713 5.707 1.989 605.747 1 518.2500 .911 49.903 24.0438 .946 74.0500 .1494 .472 7.4 62 326.391 11.516 1.402 79.082 1.961 2.422 32.1683 .9238 .0512 .1022 .628 214.587 2.0388 .663 27.428 259.353 84.865 247.0247 .8368 .164 1 409.412 22.707 21.0232 .056 193.061 1.964 0 0.0626 .0235 .842 10.4902 .219 1.00205 .0297 .5 13 429.968 8.8 671 442.0700 .3268 .846 5.799 37.7885 .692 2.0578 .5521 .583 9.755 10.149 1.658 18.943 6.974 17.5151 .9612 .106 12.0566 .0467 .475 1.082 1 710.0202 .411 2 374.741 1.942 2.0270 .155 284.980 1.987 1.868 4.692 999.608 1.703 291.984 39.0547 .230 342.954 46.400 1.617 9.679 18.080 7.0192 .0737 .624 45.0318 .291 1 464.6864 .027 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 .0240 .00863 .6598 .1545 .5976 .457 1.755 20.040 1.8706 .6217 .428 1.161 4.1275 .2122 .0200 .020 1.0929 .555 10.051 149.992 15.319 1.126 1.631 7.9057 .036 461.0166 .7284 .7142 .986 34.381 16.0326 .0220 .0252 .060 4.1165 .1922 .779 823.344 37.5744 .977 158.223 29.172 1.3865 .3048 .587 42.888 19.348 12.204 6.974 11.050 1 166.00405 .281 4.1025 .639 20.711 49.355 30.499 37.571 38.196 244.678 16.6095 .030 33.396 3.983 9.994 60.0612 .0200 .0470 .2626 .844 22.9423 .843 9.00877 .798 85.765 115.575 11.529 43.0366 .0263 .000 2.781 1 230.256 229.016 114.723 6.413 1 322.811 2.0347 .373 1.277 5.877 31.qxd 1/5/04 10:52 AM Page 567 COMPOUND INTEREST TABLES 2% Compound Interest Factors Single Payment 567 2% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480 1.0258 .996 55.00002 1.0311 .6342 .0483 .434 8.840 24.1895 .489 27.0283 .8535 .361 31.6468 .195 1.264 5.00633 .793 33.456 131.169 13.1345 .0826 .0667 .578 14.00351 .281 21.553 119.5631 .240 13.2051 .355 49.645 312.00320 .598 157.7430 .669 64.0537 .412 14.3468 .711 47.098 43.845 30.299 28.783 27.921 3.0458 .243 1.2403 .8880 .051 38.122 5.7730 .787 10.960 49.878 2 483.0118 .0392 .713 392.00080 .294 1.887 1 247.178 6.800 3.040 2.132 10.292 14.0638 .292 18.7002 .442 2.0913 .104 1.0588 .3571 .355 678.00017 .495 0.377 185.442 21.1380 .0267 .776 1.424 32.0126 .0329 .0447 .0200 1.579 90.0247 .3715 .875 5.1585 .00667 .761 37.137 33.525 41.127 107.4951 .621 13.0681 .328 199.00292 .792 40.1785 .569 49.276 9.771 213.8043 .0881 .090 488.960 2.407 8.671 35.0778 .0412 .337 4.011 17.1365 .293 18.0 0.8 .00007 1.812 144.936 275.696 26.1113 .1225 .673 1.351 17.0312 .546 1.245 7.268 1.145 34.802 5.396 25.961 642.744 40.7579 .641 1.012 21.0529 .486 1.0946 .577 1.705 10.526 7.208 2.346 1.newn42040_appB.849 13.121 20.00468 .000 4.025 15.2426 .680 15.

448 1.660 24.6905 .00735 .865 22.380 20.395 24.714 30.1005 .370 3.098 2.806 552.97 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 .0418 .0440 .1566 .5809 .0618 .1387 .0641 .455 171.514 10.0458 .0199 .0353 .131 1.603 45.newn42040_appB.7812 .6103 .1902 .140 16.865 756.932 19.5262 .352 23.096 35.452 35.7254 .103 26.0123 .00865 .5394 .7621 .5134 .039 27.545 27.249 1.485 1.025 1.885 18.373 2.983 11.0543 .417 13.540 6.062 13.153 5.951 2.7436 .258 10.386 23.0273 1.185 16.6736 .025 3.856 43.614 0 0.204 2.8207 .0660 .827 690.753 5.584 210.965 20.860 41.6412 .026 1 036.928 67.978 5.0668 .278 329.8413 .0528 .00349 .118 185.312 1.120 279.2009 .292 22.8839 .315 2.976 1.055 13.100 6.5954 .0846 1.0501 .909 31.0148 .00403 .294 265.151 14.256 6.0327 .2658 .4538 .522 1.9060 .0373 .381 13.409 7.5529 .145 25.063 29.0489 .952 2.382 286.752 9.210 8.080 101.2273 .763 878.901 3.0264 .280 818.402 81.0467 .0432 .886 408.1569 .0309 .0559 .4887 .421 24.0276 .495 123.8007 .1145 .951 19.508 6.922 184.548 0.4651 .5667 .012 37.224 53.0368 .104 1.0605 .971 8.0182 .464 19.349 147.088 237.809 5.0975 .946 25.00465 .0893 .975 91.324 10.9756 .765 1.00628 .150 50.114 934.680 1.1051 .765 17.0285 .4319 .740 224.833 28.736 9.403 62.0801 .157 9.3251 .613 54.140 307.160 1.8623 .0346 .663 432.918 19.117 28.996 2.2408 .309 80.54 1 082.262 17.00231 1.0516 .0190 .257 159.0514 .835 4.413 1.938 30.83 1 125.00265 .752 0 0.9518 .345 1.6572 .123 29.00540 .948 1.572 37.796 15.599 1.632 6.762 4.0217 .961 22.667 13.296 4.724 23.262 8.0000 .0337 .0479 .722 1.203 12.286 12.076 4.280 1.0280 .484 20.809 1.0239 .1325 .099 9.955 11.353 14.0250 .372 7.516 97.965 32.306 321.919 10.0324 .1226 .437 3.723 34.0297 .0313 .0478 .4427 .483 13.374 18.863 30.379 1.4214 .000 2.0766 .814 .519 17.0447 .646 5.3292 .901 12.7077 .638 197.044 13.754 135.218 1.qxd 1/5/04 10:52 AM Page 568 568 COMPOUND INTEREST TABLES 2 1/2% 2 1/2% Compound Interest Factors Single Payment Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.038 3.0958 .595 112.0391 .388 7.349 7.428 2.724 11.000 48.888 26.4938 .183 28.221 480.1084 .362 29.0910 .5009 .685 3.0558 .046 2.0725 .786 14.584 32.6255 .612 251.077 1.332 17.206 5.512 16.0290 .977 7.511 9.0251 .170 7.158 36.0729 .1575 .0228 .0398 .888 248.691 12.5188 .889 4.854 1.0304 .108 71.0278 .469 1.900 1.120 11.856 3.712 14.354 52.927 2.655 6.559 335.2909 .979 15.166 30.838 8.1143 .912 39.0577 .259 2.1395 .349 34.0449 .551 135.454 20.169 36.2572 .666 36.991 159.0808 .9286 .154 377.898 33.639 1.984 1.0293 .229 10.073 293.0103 .284 214.560 1.400 4.607 622.682 9.1255 .3501 .1816 .589 16.051 1.1776 .0596 .4767 .0208 .494 0.424 18.849 22.0697 .3724 .547 8.484 115.442 11.00304 .189 1.2152 .217 987.527 9.903 46.513 11.150 2.0855 .930 21.

676 30.9709 .766 21.631 321.4776 .8375 .076 17.newn42040_appB.710 42.0796 .014 116.030 3.0482 .033 2.072 163.1081 .956 12.0108 .188 19.0465 .2690 .399 277.0473 .9426 .860 1.668 13.709 10.020 7.082 5.8131 .786 8.413 241.221 2.464 289.567 27.612 36.468 7.314 12.0331 .384 5.731 217.0433 .773 5.594 272.509 159.7014 .017 13.201 676.438 8.4243 .913 2.327 18.829 3.980 1.877 15.0133 .0940 .1846 .5219 .053 194.345 3.1172 .4371 .578 19.095 10.2184 .937 16.287 0.971 182.0640 .808 14.0389 .357 2.0173 .267 1.4120 .159 1.000 86.493 0.705 5.0872 .262 3.1697 .635 11.0460 .702 1.4919 .035 25.219 .0727 .941 2.179 10.7224 .00226 .00887 .0323 .782 4.00311 .936 17.974 2.078 57.0811 .0781 .8885 .0233 .618 17.8626 .344 1.0337 .830 7.870 28.021 6.0221 .117 26.6050 .605 1.0300 .487 23.061 1.1425 .854 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 .7441 .156 18.414 25.698 756.892 6.513 1.533 51.014 77.462 75.361 253.414 2.0349 .00434 .641 12.319 9.0520 1.0343 .00613 .230 7.764 19.0326 .575 2.931 45.627 361.971 1.087 717.717 4.419 68.6611 .464 12.00735 .323 31.1305 .580 5.00193 .0259 .192 15.0398 .754 1.336 14.363 377.349 519.0319 .1284 .184 23.0182 .0546 .361 265.2644 .0760 .300 16.389 20.5703 .523 8.519 25.892 10.814 3.0000 .0984 .4926 .426 36.296 11.433 194.844 0 0.126 1.415 15.587 6.0290 .6810 .532 229.037 15.086 791.537 32.qxd 1/5/04 10:52 AM Page 569 COMPOUND INTEREST TABLES 3% Compound Interest Factors Single Payment 569 3% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.774 27.074 879.1089 .918 9.3660 .002 31.333 230.0510 .0372 .503 55.194 1.803 4.0940 .544 301.0521 .652 2.309 43.0603 .2281 .632 477.094 2.353 823.230 1.0574 .030 1.4000 .00515 .1005 .067 22.1125 .0559 .384 1.0165 .877 18.427 2.00367 .00265 .459 38.3770 .702 30.0533 .159 11.3554 .253 9.1884 .235 27.1605 .401 92.219 47.184 5.653 1.575 50.215 24.157 21.7664 .0200 .0500 .889 13.362 13.599 20.1968 .0649 .806 1.3535 .630 853.5375 .028 106.0838 .0210 .6419 .0490 .0672 .799 137.5067 .256 4.0698 .631 31.0627 .662 8.741 583.0190 .294 7.0885 .9151 .3883 .091 4.157 2.0274 .444 16.3235 .5537 .762 23.272 607.874 7.0538 .000 2.938 12.426 1.453 34.288 2.5874 .656 170.797 136.0496 .123 29.558 1.5226 .1263 .348 96.955 23.1464 .708 8.750 420.835 26.916 1.093 1.732 2.702 14.882 3.0351 .279 126.003 52.530 9.148 5.0327 .481 29.7894 .086 18.0308 .860 21.6232 .0590 .549 148.730 26.052 631.417 6.0246 .248 59.4502 .469 1.305 1.201 30.923 9.0427 .754 14.166 13.857 443.954 10.0373 .0608 .3066 .132 21.163 25.0361 .0705 .324 14.593 11.477 10.453 29.599 0 0.450 6.943 2.118 8.0316 1.720 112.558 19.309 6.226 11.676 28.463 1.0585 .853 11.561 13.1546 .4637 .500 2.730 60.2390 .413 17.600 20.0699 .000 20.480 531.0408 .026 205.650 17.553 40.00165 1.115 24.

365 603.0379 .1069 .931 2.3105 .943 6.059 2.520 5.0379 .407 26.771 4.608 0.1105 .285 17.1527 .5384 .262 13.438 642.811 25.313 43.848 20.0566 .4088 .069 19.759 46.363 1.0174 .0408 .3326 .280 30.456 24.202 721.890 17.9335 .9019 .0309 .937 348.6178 .392 18.104 530.742 251.483 27.094 12.736 19.793 21.00509 .1635 .qxd 1/5/04 10:52 AM Page 570 570 COMPOUND INTEREST TABLES 3 1/2% 3 1/2% Compound Interest Factors Single Payment Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.470 321.580 7.946 196.00945 .808 19.590 10.0868 .911 51.00287 .339 118.4533 .128 9.296 20.0468 .749 27.902 73.922 1.259 0 0.862 3.317 1.554 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 .1455 .355 22.921 11.0916 .1269 .7337 .663 10.000 26.0524 .871 64.705 24.7089 .5202 .423 23.113 13.035 3.121 618.900 2.737 5.212 14.5264 .3563 .106 4.3213 .269 32.633 7.623 54.3219 .0452 .036 18.1111 .511 1.0000 .036 663.0257 .975 8.0242 .666 38.946 13.233 10.0477 .779 9.112 26.795 1.0592 .112 3.909 90.221 3.0367 .0544 .newn42040_appB.698 15.206 2.217 4.167 15.0518 .585 6.188 1.7594 .652 178.091 5.0150 .320 3.651 13.6849 .352 495.631 11.00139 .657 5.272 1.0659 .0158 .6394 .677 19.4856 .069 41.365 8.667 18.966 1.215 5.00166 .895 592.120 23.334 60.118 681.773 220.1865 .1035 .5767 .058 16.190 13.942 11.0401 .2127 .0354 .666 18.305 503.0537 .0579 .0566 .781 130.3442 .143 199.620 16.675 1.807 2.368 11.619 1.007 3.0166 .0290 .00419 .3569 .517 12.1508 .0704 .945 25.0508 .990 2.0640 .400 2.1202 .0680 .950 41.1791 .8420 .0852 .778 862.460 1.762 288.142 14.602 16.329 6.369 456.674 84.959 4.490 369.291 48.874 7.352 8.0229 .625 12.719 12.0385 .933 2.0321 1.502 9.529 419.055 16.0500 .390 19.199 15.655 0 0.6618 .446 2.0184 .731 13.998 160.710 14.4231 .890 698.712 2.0426 .00763 .482 16.2373 .002 9.148 1.3000 .000 2.824 99.0900 .0758 .8135 .802 3.516 238.495 23.303 10.701 20.8714 .857 1.451 148.550 105.0362 1.905 3.618 22.608 8.105 230.025 261.0621 .0445 .500 26.7860 .357 28.749 9.971 22.2526 .0554 .0534 .00621 .0790 .115 6.0330 .001 21.0516 .308 24.307 414.734 1.3817 .0964 .702 5.334 3.0350 .132 2.317 9.229 1.2215 .362 6.5969 .0412 .573 15.00238 .037 27.0364 .00346 .878 9.564 1.179 7.0273 .532 2.976 109.417 17.198 56.361 6.432 240.515 5.0729 .503 22.1314 .283 2.620 2.0761 .4380 .299 12.1285 .0370 .0374 .5026 .4914 .967 12.0392 .357 11.329 34.496 168.550 7.3687 .491 0.0607 .052 10.0118 .0440 .423 158.0204 .0216 .363 2.0827 .271 271.4692 .448 209.819 28.429 57.00116 1.1877 .071 1.0381 .262 31.0194 .279 27.977 1.191 .918 49.773 7.5572 .676 18.888 128.0971 .787 17.518 26.460 36.870 10.873 189.453 66.688 35.0623 .0758 .109 1.289 11.599 138.2723 .673 4.0685 .9662 .264 24.457 1.411 1.747 24.0638 .598 562.650 22.035 1.258 81.00199 .113 17.3950 .341 63.

7026 .0240 .733 7.775 3.9246 .2851 .974 1.0528 .506 17.0781 .969 34.962 1.760 9.705 16.3603 .0412 .9615 .0400 .0226 .8548 .272 6.2355 .209 69.572 18.089 827.0422 .109 24.618 39.601 1.883 2.163 393.148 18.083 41.00099 .648 9.2534 .395 23.128 147.453 5.0858 .0336 .328 62.0198 1.292 20.202 138.5553 .999 3.3607 .540 12.050 28.857 22.066 22.385 9.505 0 0.801 33.793 20.4057 .373 3.801 5.122 4.0143 .801 1.6246 .0947 .0656 .170 1.386 2.739 4.925 2.825 23.1407 .0189 .958 94.627 18.00181 .663 16.645 27.983 16.0241 .034 5.398 24.0505 .968 364.025 121.0551 .874 18.0000 .260 244.0790 .6496 .2741 .555 12.267 8.402 361.00826 .876 286.283 22.881 40.0692 .7903 .948 2.968 52.0589 .993 10.084 49.465 2.217 1.563 236.4936 .066 7.0159 .945 23.191 2.4564 .646 44.2636 .482 22.0178 .486 15.4902 .0536 .778 31.4220 .984 17.5339 .648 3.177 4.1485 .119 3.107 2.0483 .312 47.377 47.104 165.680 23.744 85.341 129.807 18.794 3.1085 .5302 .866 6.3468 .451 1.134 13.267 24.3335 .026 16.4746 .772 2.0458 .214 10.085 59.520 12.1508 .652 12.0434 .451 14.667 191.0408 1.832 13.0151 .279 2.702 5.938 540.209 8.701 66.1141 .0357 .00081 1.4388 .821 21.1266 .962 69.996 449.180 27.00655 .5775 .812 17.665 1.659 13.0292 .040 3.886 2.0543 .732 1.452 5.242 6.029 14.1066 .0200 .737 552.0105 .511 50.006 13.0601 .0418 .8219 .0442 .966 56.2083 .633 7.138 183.292 17.981 1 012.350 102.0600 .024 21.672 7.7599 .0410 .834 8.583 12.0434 .0673 .qxd 1/5/04 10:52 AM Page 571 COMPOUND INTEREST TABLES 4% Compound Interest Factors Single Payment 571 4% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.044 34.0361 .248 36.0293 .609 5.893 111.3083 .2246 .564 120.1345 .0422 .2755 .121 174.00339 .00523 .3207 .720 21.689 422.730 563.578 8.369 1.120 201.1712 .026 2.955 218.627 11.411 18.372 21.101 156.6 0.00121 .166 12.0951 .2965 .665 19.490 0.630 551.652 95.7307 .159 237.029 152.0256 .841 7.247 15.196 20.697 25.3751 .1001 .563 11.243 3.002 6.0466 .986 10.697 19.990 294.248 54.0642 .316 1.0612 .120 14.0273 .107 8.119 41.newn42040_appB.454 61.630 4.508 3.370 2.590 14.041 511.8890 .480 1.941 9.530 325.491 20.040 1.331 10.0569 .0313 .1157 .1233 .0640 .244 676.3203 .479 493.109 22.00420 .453 7.3901 .0390 .047 23.294 3.539 1.655 22.0427 .00223 .0761 .922 2.246 5.312 11.799 15.6756 .0136 .201 472.297 9.857 15.0212 .0666 .416 6.8 1 237.873 1.0833 .0452 .423 1.646 10.671 29.666 2.991 11.00148 .1666 .0499 .265 1.623 23.1846 .937 12.00275 .476 15.0899 .505 .290 448.563 2.5134 .082 1.435 8.0626 .111 8.116 526.0713 .0578 .588 17.330 16.1908 .0945 .915 24.6006 .125 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 .125 1.118 11.0415 .0559 .0822 .0169 .0547 .858 73.898 9.241 12.980 0 0.062 209.664 10.0736 .735 77.000 2.946 4.142 192.622 15.792 227.0741 .843 3.

630 1 145.375 363.682 136.893 6.1489 .999 11.302 1.565 21.327 7.2916 .471 6.7032 .0296 .1264 .380 256.145 341.717 8.193 1.141 1.2337 .0614 .405 13.993 57.497 366.0926 .404 89.420 176.497 107.256 14.537 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 .937 41.752 2.0459 .6729 .1097 .0674 .202 21.00137 .623 1.422 1.680 144.0456 1.414 12.045 1.4333 .0457 .137 4.971 1.0528 .932 20.873 2.0240 .3188 .707 4.695 8.869 581.361 1.953 7.957 1.683 10.3184 .4528 .387 5.248 20.476 20.0467 .0197 .689 44.020 15.789 17.0210 .495 14.918 289.464 17.008 13.282 3.289 16.666 72.0494 .0580 .8025 .223 10.520 2.0472 .147 33.055 8.1376 .7679 .3 1 432.4732 .0296 .278 5.0164 .00087 .372 2.828 15.950 0 0.023 17.00439 .0485 .743 16.772 1.5897 .00345 .617 18.0174 .077 10.4945 .489 0.045 3.0224 .0822 .1697 .749 3.234 11.022 2.0459 .394 12.409 8.380 10.935 2.220 206.098 287.883 21.246 1.481 21.0137 .232 183.855 29.854 19.696 1.625 160.0587 .901 104.242 426.3477 .269 7.3327 .1247 .0450 .667 5.391 52.00273 .3797 .5400 .0464 .679 13.556 914.237 461.571 382.0707 .039 460.732 316.0368 .141 3.309 446.451 15.0372 .390 5.762 20.1380 .0404 .148 14.852 1.544 16.745 3.7348 .233 16.564 26.917 15.0275 .0572 .1033 .0769 .430 3.0543 .0635 .184 6.0319 .841 15.138 4.2787 .391 10.000 2.096 9.113 2.642 21.0854 .565 47.756 77.0344 .719 24.119 9.914 4.248 9.665 152.752 68.8763 .445 1.9157 .158 5.143 12.0257 .802 12.022 16.163 59.423 61.634 2.030 81.0647 .157 20.850 178.596 7.707 214.303 38.1107 .0153 .799 21.0573 .0461 .274 4.711 53.0978 .0190 .0481 .742 26.0477 .584 3.749 20.2670 .00934 .9569 .5340 .486 1.756 10.471 81.0154 .743 38.412 2.4890 .784 22.182 66.975 191.7 1 790.033 11.905 45.6162 .102 96.461 18.951 21.1066 .0890 .833 81.0146 .00172 .0794 .0522 .030 138.0583 .404 21.680 437.5167 .0624 .147 15.00070 .3634 .newn42040_appB.0506 .913 8.019 9.0814 .005 3.0123 .295 11.064 31.4146 .095 221.160 18.588 .529 9.00560 .090 4.785 20.816 7.8386 .2239 .593 13.371 33.0596 .784 27.2340 .qxd 1/5/04 10:52 AM Page 572 572 COMPOUND INTEREST TABLES 4 1/2% 4 1/2% Compound Interest Factors Single Payment Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.1828 .0660 .978 5.007 64.948 32.027 17.2790 .0000 .354 19.278 18.160 12.698 10.00217 .0746 .1719 .0647 .0888 .583 11.092 1.1939 .2555 .638 20.269 3.0722 .0130 .715 120.562 4.779 112.740 11.0931 .755 9.466 4.830 42.503 227.0123 1.998 16.288 13.00720 .0713 .981 0 0.2445 .0725 .571 50.3968 .2278 .208 2.824 3.156 19.0440 .640 199.588 4.308 2.695 21.2143 .0690 .158 52.5643 .184 8.3638 .707 12.912 2.689 128.537 65.00109 .0237 .6439 .547 168.416 73.1516 .946 399.784 14.359 454.1172 .429 9.553 1.860 17.00056 1.0604 .9 0.572 6.0185 .789 6.876 3.402 19.247 17.916 2.866 12.3047 .750 414.783 36.668 5.043 729.

097 6.0563 .0611 .669 58.140 134.163 13.499 43.113 54.227 141.0683 .795 588.00367 .110 161.667 112.525 756.6446 .553 63.0583 .593 15.5051 .0760 .920 4.914 297.8638 .152 4.00971 .488 0.00478 .358 2.4363 .713 19.314 277.799 159.477 1.929 19.0522 .4155 .0125 .094 14.386 3.0725 .0827 .502 47.0780 .749 377.912 168.076 5.0510 .643 14.299 80.0641 .1904 .000 2.159 17.0171 .242 8.00132 .323 66.902 2.00760 1.347 272.0196 .258 148.0696 .749 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 .723 3.757 12.2678 .233 181.380 10.0625 .0500 .838 11.8227 .485 19.250 13.510 314.0158 .161 19.968 16.0419 .657 25.0923 .2204 .newn42040_appB.886 1.752 19.1728 .842 7.244 3.649 971.353 18.1470 .646 366.340 1.551 1.253 5.254 80.580 229.5847 .377 14.2812 .00063 .2551 .079 2.848 0 0.840 28.827 10.841 351.722 8.635 5.00170 .730 103.2820 .545 255.922 5.980 2.1813 .897 9.274 11.0628 .526 6.6768 .636 18.821 13.034 131.375 14.238 11.0280 .761 75.786 2.085 12.288 70.1407 .3672 .327 98.573 8.596 19.578 14.0872 .00103 .467 14.00283 .0423 .1010 .430 44.579 23.4581 .214 9.0133 .0241 .556 3.00049 .1047 .006 12.0111 .1970 .00080 .027 12.903 8.2314 .343 19.141 15.158 1.635 18.0000 .411 10.0795 .132 30.0202 .0329 .840 30.216 1.0 0.232 20.2953 .276 1.3419 .321 5.193 16.691 340.1128 .003 16.679 23.0671 .402 62.0183 .3101 .0907 .050 3.3172 .966 16.711 353.008 127.629 1.796 1.00038 1.108 7.899 10.0141 .1204 .0505 .0302 .733 3.069 19.0537 .127 31.9070 .0506 .0633 .0151 .624 49.0258 .040 8.3256 .1999 .676 4.018 18.505 41.116 4.0651 .374 17.0704 .633 18.0327 .846 120.122 10.067 90.072 3.719 38.0225 .142 9.1547 .0528 .524 9.102 1.713 6.0124 .234 0 0.320 120.6 2 040.546 4.799 14.135 194.5378 .222 1 245.063 85.606 17.582 456.988 56.072 359.256 18.4810 .694 10.0260 .0355 .462 12.2310 .488 105.099 4.917 17.1 1 594.952 1.0565 .372 15.7 2 610.0855 .416 200.501 11.9524 .2429 .516 7.653 2.690 12.925 3.727 51.159 77.0683 .985 11.871 19.0510 .3589 .1228 .4878 .439 70.786 6.739 188.802 8.549 11.140 84.1065 .103 8.0118 .539 33.306 8.1420 .699 209.2320 .514 4.832 49.0710 .3957 .474 6.6139 .0963 .0463 .310 5.066 35.621 18.222 155.1810 .426 38.806 19.5303 .800 372.204 91.1295 .527 2.0508 .407 2.qxd 1/5/04 10:52 AM Page 573 COMPOUND INTEREST TABLES 5% Compound Interest Factors Single Payment n Compound Amount Factor Find F Given P F/P 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 1.0517 .805 3.407 1.907 2.652 37.774 18.0660 .969 11.463 7.0535 .2099 .0618 .003 5.557 7.3769 .237 11.0741 .970 26.0160 .0513 .7107 .00219 .394 9.292 2.7835 .343 328.538 4.00828 .439 1.599 21.803 16.154 17.203 7.489 13.364 15.863 9.7462 .677 381.5568 .329 5.500 573 5% Uniform Payment Series Arithmetic Gradient Present Worth Factor Find P Given F P/F 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 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 .225 3.0802 .859 2.00626 .0210 .765 5.207 15.183 2.684 19.967 1.0548 .0887 .898 15.710 1.622 175.223 15.0387 .1113 .561 63.322 4.0504 1.050 1.

9 1 746.0146 .465 4.276 25.359 147.0390 .960 7.760 36.464 253.392 46.898 2.0000 .161 16.419 1.554 63.00394 .335 394.577 29.6651 .0797 .7921 .142 137.0668 .046 15.287 7.963 51.327 258.00188 .047 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 .504 1.791 1.0990 .251 7.0619 .1741 .603 9.768 3.0182 .0593 .279 6.384 8.0604 .0972 .993 43.0718 .461 15.0476 .420 24.261 2.076 79.295 9.210 6.00139 .673 3.0213 .212 4.4173 .3936 .2034 .0665 .890 2.864 59.4688 .141 13.newn42040_appB.3141 .133 2.1 5 638.368 14.0954 .796 141.456 15.012 2.0696 .080 967.884 2.084 14.2942 .2330 .799 11.897 11.8396 .762 212.929 14.026 3.0530 .289 16.605 7.0296 .574 10.017 11.1791 .0197 .457 229.0543 .795 9.160 15.0136 .189 16.0813 .043 246.341 9.00344 .057 105.342 10.309 142.934 11.870 18.903 16.768 161.171 533.820 4.015 23.5454 .343 104.0227 .207 3.860 132.6274 .060 3.300 6% Uniform Payment Series Arithmetic Gradient Present Worth Factor Find P Given F P/F 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 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 n .00897 .341 14.0324 .397 2.762 15.2775 .2074 .3305 .0924 .743 185.765 18.022 4.1130 .602 34.042 12.712 10.1030 .569 4.072 9.915 8.00057 .00646 .0726 .941 104.0896 .0870 .961 1.192 5.0169 .693 2.613 4.857 10.870 40.1191 .815 54.764 12.184 4.1462 .854 3.058 84.418 5.564 5.6 2 343.1379 .330 2.928 1 300.1470 .191 1.360 7.783 13.765 13.510 8.7050 .786 39.5268 .0126 .0782 .181 14.833 2.802 7.972 16.853 9.0606 .0746 .973 121.0872 .124 1.801 90.991 16.2886 .00018 1.453 6.262 1.394 9.435 154.470 11.0608 .00024 .491 13.578 189.0830 .000 2.228 11.1359 .158 11.957 203.400 3.594 1.1434 .00295 1.00043 .112 5.2286 .828 11.689 1.0303 .qxd 1/5/04 10:52 AM Page 574 574 COMPOUND INTEREST TABLES 6% Compound Interest Factors Single Payment n Compound Amount Factor Find F Given P F/P 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 1.549 16.00470 .211 13.713 57.0 3 141.00032 .468 126.2470 .459 69.700 110.306 87.3741 .00528 .00103 .2198 .0103 .432 12.381 115.945 253.286 152.0757 .0230 .230 14.145 59.0647 .395 270.0602 1.090 156.550 12.213 30.359 13.0690 .0157 .5584 .1193 .113 98.1956 .3 0.0430 .0727 .890 97.385 16.1268 .743 290.1076 .811 5.822 5.1550 .0703 .4423 .1010 .156 63.5919 .088 6.375 5.322 239.427 1.357 81.988 44.996 50.4854 .549 265.3503 .00077 .1301 .1846 .498 15.0600 .00945 .0602 .109 217.0126 .103 10.579 16.0850 .0354 .706 15.0272 .003 13.810 268.906 33.686 10.477 10.2618 .292 4.545 339.582 6.450 19.945 7.0169 .618 0 0.0610 .062 16.459 15.303 12.887 8.195 3.604 3.0759 .453 262.485 0.975 8.917 5.437 272.401 75.1774 .706 68.9434 .230 93.406 13.421 4.184 111.1 4 209.540 2.00960 .0110 .286 13.549 4.3118 .319 165.338 1.106 10.637 6.8900 .926 6.00254 .290 16.337 45.2374 .371 0 0.1643 .640 79.791 15.0625 .00706 .796 14.509 16.0769 .0634 .456 16.743 6.060 1.841 24.0736 .528 73.126 719.217 8.0710 .624 6.0614 .591 13.943 1.0250 .672 28.049 4.1610 .841 7.650 32.0118 .0603 .4970 .882 21.7473 .3714 .601 16.0406 .

00980 .316 7.647 12.2952 .0887 .751 7.940 14.430 4.00246 .00501 .qxd 1/5/04 10:52 AM Page 575 COMPOUND INTEREST TABLES 7% Compound Interest Factors Single Payment 575 7% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.4440 .0725 .0134 .476 13.325 9.888 20.059 10.527 62.006 53.00780 .927 14.971 6.720 .0324 .1259 .166 113.501 1.483 0.075 199.214 6.0476 .921 13.145 1.461 102.7 3 189.703 5.00123 .00877 .947 81.506 4.529 12.00008 1.177 63.2415 .002 29.840 33.1675 .789 23.0204 .2098 .877 9.105 618.0923 .070 1.417 5.946 4.153 8.836 11.311 1.5820 .877 224.7130 .222 14.0701 .0244 .237 199.162 120.0772 .0712 .0975 .599 77.1072 .617 3.00022 .655 128.532 12.00031 .104 198.322 10.854 12.0904 .145 8.6663 .801 13.947 10.952 3.644 134.552 3.079 91.440 5.499 7.132 14.704 201.263 14.00162 .750 406.7629 .888 30.677 104.107 9.145 193.218 118.1024 .232 13.767 5.1739 .0834 .00011 .2959 .763 10.606 1.293 163.269 0 0.3811 .943 8.718 1.523 1 146.654 11.1842 .1 2 269.240 14.0778 .951 138.5531 .872 8.0294 .2584 .427 5.715 9.070 3.147 3.467 37.0937 .0750 .572 200.0339 .1856 .252 2.972 124.235 314.00907 .140 27.974 21.457 41.1334 .1406 .160 14.159 3.499 10.622 72.0268 .330 4.278 12.0443 .272 11.2109 .00723 .768 190.0709 .978 10.758 6.9346 .996 44.212 131.330 47.1197 .722 7.716 32.978 13.00115 1.114 7.0791 .955 1.509 82.1971 .502 441.999 37.8 1 614.0158 .0872 .624 3.7 0.416 1.0497 .730 3.0559 .715 18.0846 .372 52.3624 .816 15.0106 .137 12.0784 .677 74.135 152.0668 .1609 .519 196.303 2.594 10.795 7.108 9.1147 .141 22.436 58.741 5.073 110.newn42040_appB.6227 .0187 .00841 .141 4.2439 .0717 .5439 .0994 .1504 .00446 .0702 .1228 .0146 .612 8.469 11.0706 .0806 .00227 .3387 .036 12.1098 .105 2.808 2.0703 .978 14.015 14.332 13.0173 .814 13.0824 .447 9.000 2.0242 .838 1.673 867.599 7.0123 .00087 .379 40.865 49.411 6.669 11.200 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 .592 67.551 25.759 2.110 14.024 7.253 14.446 57.387 4.873 2.1002 .6 6 287.606 13.649 7.3878 .00350 .967 2.754 12.0798 .2252 .807 6.00625 .0814 .358 8.215 4.0000 .227 117.934 128.981 109.1314 .2765 .260 11.1424 .0704 .745 9.00044 .329 9.129 27.4150 .0223 .336 10.255 100.4751 .8163 .0114 .3166 .090 6.380 3.0735 .1156 .1722 .00318 .249 68.259 138.2257 .0702 .024 7.720 96.196 14.0944 .1 4 478.654 10.423 12.1059 .930 813.756 172.647 10.225 1.410 2.0124 .315 57.351 42.639 8.100 4.749 9.9 12 381.666 13.0398 .409 12.948 13.1535 .2 8 823.865 2.138 10.273 113.0634 .543 9.039 14.00062 .403 1.905 180.389 5.990 159.784 17.558 202.124 185.0700 .0724 .530 575.137 8.0359 .392 8.1143 .515 7.698 87.935 1.987 12.0172 .3111 .347 94.4831 .636 285.5083 .870 4.170 0 0.339 87.1398 .065 5.484 80.677 14.00016 .081 14.579 2.00174 .0835 .0701 1.072 5.0858 .0968 .061 11.826 11.8734 .

461 12.0875 .588 60.0888 .529 10.258 11.240 4.0800 1.627 9.1490 .qxd 1/5/04 10:52 AM Page 576 576 COMPOUND INTEREST TABLES 8% Compound Interest Factors Single Payment n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 1.645 18.122 9.0804 .216 108.377 12.458 1 018.871 6.574 103.332 2.316 4.0000 .034 5.0869 .977 30.090 73.108 12.1740 .0937 .2 1 847.808 25.352 155.0 8 655.3019 .2919 .0863 .0368 .439 97.925 12.013 69.785 21.045 11.593 144.00580 .00144 .046 43.655 11.0690 .205 471.926 80.481 0.4289 .733 139.0998 .492 6.0114 .779 8.800 154.806 21.1067 .536 7.233 12.000 2.215 27.1703 .00745 .694 3.739 151.190 9.300 87.710 7.914 101.437 12.080 3.324 33.0800 .1 2 199.3152 .2505 .2317 .013 9.569 100.577 3.00098 .435 8.1213 .747 6.0801 .762 50.00685 .0994 .0789 .926 1.00988 .00672 .063 10.1363 .902 12.204 6.594 5.00037 .0802 .951 158.492 154.455 0 0.1252 .494 0 0.4632 .0219 .5835 .339 103.1096 .1159 .871 4.675 10.166 1.848 7.920 46.060 12.00118 .720 2.783 2.867 7.1460 .607 321.042 133.845 153.637 12.792 116.456 106.0826 .411 11.905 6.00311 .00005 .1577 .newn42040_appB.037 7.700 3.1601 .956 693.351 95.206 5.0905 .940 5.7 12 724.426 3.0296 .661 5.1130 .00045 8% Uniform Payment Series Sinking Fund Factor Find A Given F A/F 1.868 11.00054 .6302 .0940 .404 1.457 60.650 7.00025 .846 2.818 10.172 3.0313 .2703 .3080 .780 218.9 1 497.00012 .0460 .00883 .017 10.273 5.750 37.244 8.00004 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 n 1.996 4.925 1 253.00174 .6 0.0950 .810 10.0730 .247 6.2502 .246 4.1987 .0267 .6806 .0858 .1265 .604 9.317 10.821 9.495 24.523 14.00962 .857 2.1121 .257 148.0527 .092 126.266 34.893 66.961 10.00259 .1073 .00386 .0839 .596 4.506 573.317 259.178 12.623 5.007 8.714 1.0180 .533 152.829 9.492 12.372 9.0852 .330 12.377 12.0145 .0920 .0213 .00080 .5608 .1401 .0 18 701.4808 .988 8.152 30.0137 .106 79.966 113.346 134.260 1.1 4 002.491 3.412 12.00811 .00008 .3677 .0817 .0980 .0150 .570 11.587 11.2145 .904 8.0676 .6 27 484.00212 .469 1.676 13.506 5.445 4.514 11.0105 .006 147.488 14.3971 .2163 .00017 .923 10.993 4.266 12.6 5 887.0198 .886 52.159 2.737 12.201 10.0801 .0241 .518 2.482 12.0925 .360 1.264 56.341 6.1352 .488 12.1921 .7938 .472 47.063 76.634 39.312 3.674 9.336 8.474 12.437 5.0805 .1041 .0125 .00630 .2219 .350 11.673 84.0881 .858 111.9259 .0801 .0964 .443 12.1168 .954 87.300 149.0465 .949 1.057 386.0413 .319 12.372 10.0896 .0914 .382 113.690 11.999 2.487 16.1327 .690 14.541 7.8573 .396 7.771 848.627 172.725 31.520 9.080 1.024 17.139 7.0164 .993 155.099 3.0330 .00457 .283 123.851 1.5403 .00067 .7350 .902 68.0802 .450 41.770 7.8 .225 8.158 11.051 11.294 7.851 9.1839 .214 145.559 8.371 10.1705 .587 1.0801 .276 2.3880 .935 11.435 11.1019 .446 45.3 2 720.3405 .636 8.0601 .5002 .804 91.416 12.358 9.843 65.0808 .611 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 .937 3.977 21.765 73.184 94.423 55.0812 .

808 8.00009 .357 8.0901 .172 2.1469 .790 84.985 7.462 15.3 39 916.001 7.3262 .1264 .983 215.711 337.000 2.535 5.435 5.0242 .777 65.431 122.944 9.0754 .623 9.0582 .707 9.571 24.1241 .0900 1.00043 .842 89.084 11.4785 .1945 .092 13.929 10.2571 .573 5.027 10.0658 .2311 .00369 .511 7.1329 .3 4 619.539 1.0900 .399 10.532 76.1987 .258 7.1284 .0341 .00240 .00006 .160 10.580 9.129 123.028 91.9 25 939.531 3.976 123.807 47.359 105.0195 .069 94.0768 .436 7.544 8.823 9.193 986.00028 .970 4.240 3.00610 .268 14.0997 .0907 .5019 .00003 .6 16 854.00004 .2519 .106 11.248 32.3051 .801 196.666 8.051 68.328 4.1336 .308 149.00669 .917 1.133 5.993 2.943 1.00806 .963 43.1018 .236 74.00464 .003 36.5963 .409 176.0134 .888 20.061 8.753 122.325 117.182 18.0900 .2229 .021 15.8417 .1064 .0912 .765 62.002 6.019 51.796 10.3875 .491 4.0900 .950 9.00874 .233 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 .116 10.193 17.0919 .032 270.805 7.0956 .151 4.828 2.1378 .313 8.0634 .111 10.5685 .7084 .994 11.308 9.00296 .00101 .1671 .342 3.037 179.580 2.883 525.886 58.8 2 998.890 4.723 112.515 8.0176 .028 13.109 6.0901 .486 5.0118 .0569 .585 51.1059 .0318 .016 8.1044 .0107 .00079 .5 3 593.073 11.0384 .478 0.198 10.245 11.00066 .292 9.278 4.677 1.927 79.0159 .0303 .361 33.358 114.0967 .324 102.418 6.066 3.036 118.1095 .167 12.159 36.965 122.974 41.1117 .1807 .693 98.1668 .523 9.00002 577 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 n 1.282 54.085 11.327 74.542 86.828 1.00556 .386 4.406 10.3087 .728 20.756 8.0961 .968 124.4224 .431 3.962 11.1 1 944.487 7.00051 .1397 .090 1.109 0 0.0930 .124 84.555 1 517.5470 .524 6.832 8.9 2 335.659 7.newn42040_appB.367 2.188 1.1160 .0490 .qxd 1/5/04 10:52 AM Page 577 COMPOUND INTEREST TABLES 9% Compound Interest Factors Single Payment n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 1.072 9.567 10.070 11.00014 .0946 .464 10.943 10.2120 .373 28.0217 .768 10.073 39.873 69.1030 .0436 .014 11.387 61.0976 .0973 .5 5 529.9174 .055 11.1203 .141 22.0534 .205 71.019 29.763 17.295 1.626 10.1502 .200 11.6499 .4604 .847 416.717 5.9 0.642 3.0000 .798 4.409 48.1170 .00734 .223 7.0270 .294 121.0951 .0822 .2745 .00156 .030 11.104 11.274 10.193 9.0130 .0902 .430 10.136 136.842 2.00018 9% Uniform Payment Series Sinking Fund Factor Find A Given F A/F 1.0908 .0895 .090 3.3555 .00885 .1 .995 6.701 93.172 13.102 93.393 1.160 56.129 9.00190 .085 1 260.2992 .033 5.953 26.860 815.911 8.1784 .3951 .093 0 0.0903 .818 5.767 7.3 10 950.051 3.813 3.1076 .931 96.757 10.191 8.0989 .143 76.575 164.301 46.0497 .759 2.1087 .100 11.7722 .1007 .2 7 113.1558 .731 641.870 10.269 6.881 10.518 10.968 120.094 11.414 31.442 9.0207 .108 11.0905 .0691 .343 10.00022 .556 114.048 11.376 110.00508 .161 7.786 8.00123 .250 2.560 20.00033 .375 16.8 61 422.586 82.00568 .1637 .657 3.604 6.334 121.00973 .2187 .724 6.0981 .0144 .1142 .412 1.0901 .142 5.638 7.

549 5.0736 .974 9.00020 .975 31.110 60.482 490.5132 .911 9.640 52.105 7.224 2.523 27.0140 .0278 .177 4.374 9.712 99.00550 .427 9.00226 .00852 .987 99.1357 .891 26.920 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 .918 13.996 5.332 99.1045 .622 3.146 65.863 17.00608 .701 98.421 22.145 6.1014 .409 8.1050 .1000 .494 181.1000 .514 8.987 88.1799 .3855 .00497 .0247 .00079 .1315 .416 46.054 5.378 6.684 12.508 6.00204 .7513 .1175 .140 8.609 9.993 0 0.1351 .867 9.110 14.7 53 120.947 9.640 80.365 8.4 3 299.709 9.1113 .3505 .863 9.077 78.868 5.00013 .176 8.qxd 1/5/04 10:52 AM Page 578 578 COMPOUND INTEREST TABLES 10% Compound Interest Factors Single Payment 10% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.728 7.995 9.967 9.777 73.772 1.0391 .1627 .8 4 893.0521 .00529 .802 9.00008 .548 28.00053 .877 99.2638 .2155 .1219 .1117 .801 40.00001 .998 9.210 1.593 718.237 9.3 0.259 72.1083 .0102 .950 40.100 134.570 9.1228 .471 98.7 7 887.182 121.279 5.772 35.064 4.497 98.103 7.515 8.689 63.077 9.905 1 163.372 3.144 2.5762 .3155 .138 3.791 4.00673 .937 18.059 304.0357 .716 9.8264 .6209 .1037 .7 13 780.810 2.619 7.159 57.1009 .00012 .00049 .6830 .486 82.0923 .1540 .919 7.835 11.0219 .797 4.812 99.102 45.1001 .0408 .00002 .0627 .1247 .560 6.997 9.980 9.0693 .487 3.396 29.201 8.2633 .0474 .00139 .00745 .736 2.3021 .161 9.371 789.649 8.779 9.00001 1.100 3.108 7.1126 .00369 .3186 .992 9.288 7.6 3 034.5645 .347 109.1638 .329 4.824 8.1055 .987 9.367 7.0315 .138 222.1092 .0195 .458 7.0540 .983 9.985 9.025 442.053 6.335 5.777 83.0763 .152 43.953 92.807 6.436 13.096 9.644 9.1015 .1000 .454 94.889 96.0468 .252 245.0573 .0 5 313.00086 .275 64.1054 .759 6.941 9.3 85 556.4241 .561 99.004 3.0137 .1278 .725 4.611 1.049 8.944 201.826 2.0356 .1635 .0156 .1140 .1075 .225 25.391 189.286 6.2394 .452 3.641 6.00328 .862 9.526 9.794 71.615 8.022 8.599 51.2054 .1061 .650 75.481 67.00019 .0839 .479 9.6 .407 58.388 4.0126 .569 9.1468 .464 1.814 7.891 117.937 1.1000 .954 9.699 4.1736 .415 77.606 7.00003 .495 6.4762 .00127 .582 49.384 24.0000 .0221 .915 9.853 3.9 2 048.003 71.9 137 796.370 9.358 2.543 88.403 79.400 8.307 9.1978 .00407 .4021 .9 1 880.1041 .310 4.1002 .0431 .116 6.000 2.1874 .708 9.1408 .0874 .583 55.00916 .210 148.631 164.770 7.763 16.0 32 979.579 15.595 5.531 21.999 0 0.476 0.108 81.4665 .748 1 271.9091 .00033 .487 11.0113 .696 69.949 2.850 10.0 8 556.1102 .100 1.00450 .170 3.114 23.00030 .296 8.772 8.377 36.914 8.0175 .5 12 709.2296 .1005 .1296 .newn42040_appB.00005 .00826 .449 19.545 45.194 21.1195 .1000 .2897 .355 4.719 6.594 2.1486 .883 8.331 1.1067 .029 19.1023 .562 97.901 33.421 15.381 1.0 20 474.909 1.2176 .0630 .961 9.1001 .1156 .1003 .477 271.00007 1.999 9.1000 1.989 9.

1200 .690 8.501 61.120 7.00590 .178 51.225 8.819 48.1252 .414 69.3220 .699 214.366 7.562 7.582 42.356 20.283 8.776 17.00002 .655 24.085 8.1200 .2292 .0158 .892 7.308 8.3 .0525 .552 15.00956 .367 38.300 14.597 1 581.893 1.1267 .551 2.3292 .328 5.1200 .333 8.207 7.0738 .628 6.775 2.896 7.440 72.1322 .092 47.0189 .1259 .697 40.732 4.221 4.797 2.7 127 151.317 8.374 190.920 36.00232 .0268 .00004 .968 46.qxd 1/5/04 10:52 AM Page 579 COMPOUND INTEREST TABLES 12% Compound Interest Factors Single Payment 579 12% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.111 4.334 150.1684 .1456 .321 897.676 60.974 2.643 5.1201 .00024 .292 8.402 3.0813 .052 81.2567 .0266 .00111 .172 2.0 7 471.133 28.779 6.784 7.762 1.1285 .1827 .2963 .330 8.280 42.503 104.469 7.112 8.1226 .1241 .1200 .468 4.501 6.7118 .479 3.005 7.2046 .605 65.1202 .3606 .318 8.00750 .690 2.328 8.424 6.332 8.998 44.1877 .00007 .194 6.332 0 0.1308 .887 5.426 69.374 4.newn42040_appB.968 5.215 5.1770 .960 33.155 133.00012 .6355 .2191 .1509 .5917 .2013 .022 8.0179 .0926 .804 12.4 696 010.00063 .750 29.0374 .0205 .353 8.0484 .5 15 259.00414 .334 169.4163 .037 3.429 384.330 8.1161 .8 4 913.176 8.0469 .2 26 891.459 7.020 6.244 8.800 93.814 58.00130 .637 56.474 6.00004 .266 8.0357 .718 7.393 69.381 7.7972 .2875 .4717 .1223 .899 8.5 0.1300 .00002 .702 31.476 2.1237 .100 13.471 17.351 6.120 3.1233 .2432 .988 289.00001 1.00665 .8 72 145.1574 .645 7.324 8.051 163.938 6.767 57.179 17.333 8.00001 .1207 .0309 .613 9.8929 .1247 .091 1 358.328 8.0238 .135 8.0108 .405 1.4039 .00042 .0570 .127 6.1 8 658.641 6.1213 .9 2 787.644 14.002 509.980 5.564 4.00610 .1200 .952 28.6 13 173.129 25.8 83 522.2 2 400.603 118.1557 .521 431.000 2.00524 .0298 .0212 .333 0 0.325 23.472 0.0677 .257 3.4523 .583 241.1614 .00369 .333 271.984 8.397 8.555 37.00346 .925 1.0 4 236.00001 1.753 48.210 69.408 68.00292 .843 7.5066 .331 8.1200 .00074 .130 6.961 62.0659 .884 26.930 11.00008 .699 92.00260 .0139 .1275 .190 4.663 767.116 66.0000 .434 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 .304 8.9 23 223.211 2.0419 .1405 .0991 .3 40 933.2774 .0234 .359 1.000 19.110 7.838 6.943 7.7 224 091.1200 .650 5.750 63.359 69.1201 .058 69.418 55.974 7.00466 .191 6.105 54.908 42.254 1.811 6.1631 .261 61.884 55.00846 .0588 .1358 .363 4.1296 .393 37.585 3.1339 .254 23.554 50.574 1.1468 .0414 .0334 .120 1.293 304.896 4.250 7.810 69.1 394 931.106 3.324 8.762 68.658 7.913 3.089 12.157 8.0826 .782 59.435 5.1434 .866 7.1037 .297 7.605 4.333 8.00020 .057 8.1232 .00196 .1229 .1200 1.1379 .0122 .143 52.040 21.055 8.362 33.693 53.1204 .5674 .530 7.771 6.00036 .9 47 392.773 3.549 20.115 10.2092 .303 69.646 10.00328 .029 32.848 342.332 8.0107 .895 4.160 8.00013 .734 67.596 7.

836 88.00727 .00842 .1584 .0113 .1625 .259 6.00993 .212 76.1500 .775 7.1632 .1541 .375 14.322 1.00173 .qxd 1/5/04 10:52 AM Page 580 580 COMPOUND INTEREST TABLES 15% Compound Interest Factors Single Payment 15% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.067 13.0154 .4323 .0151 .00976 .1993 .1679 .312 6.170 1 779.666 765.352 40.289 39.00407 .717 65.961 6.642 6.566 6.103 42.00092 .724 5.993 6.168 212.144 87.160 4.00028 .276 184.129 21.499 37.0 58 778.0611 .583 5.617 6.756 2.505 47.00864 .1413 .632 159.5 237 812.487 4.769 1 083.0402 .0000 .1506 .2843 .704 5.2149 .761 12.0808 .663 6.198 6.9 144 316.575 66.6 4 384.1523 .534 6.472 4.3759 .0596 .00230 .783 31.957 577.352 3.645 35.0179 .582 34.100 664.810 137.2642 .429 44.304 24.283 2.8 17 735.1500 .652 5.350 6.591 6.150 1.00150 .908 4.7 2 179.781 3.7561 .153 7.212 102.4380 .076 8.620 6.569 327.00023 .0291 .786 20.749 2.2003 .359 43.00001 1.1501 .666 6.601 5.521 1.399 6.00001 .358 10.0411 .302 38.176 267.565 4.6151 .653 6.535 50.416 44.0131 .1515 .925 5.031 38.104 377.047 6.1554 .192 12.660 3.0114 .1527 .150 3.421 33.565 100.0462 .1654 .667 0 0.096 44.907 1.2404 .972 26.170 434.326 1.1845 .032 6.753 41.752 4.283 43.00003 .1791 .234 5.786 5.772 5.727 16.128 6.723 2.517 6.365 881.0 8 817.019 5.1 3 585.645 24.313 2.1500 1.798 5.1500 .0531 .296 29.092 3.00131 .365 5.583 6.754 11.626 2.0304 .1069 .096 6.371 6.00056 .359 6.0729 .857 43.692 39.3503 .000 2.937 10.1483 .7 35 672.00014 .4972 .00628 .5 478 332.383 3.1513 .315 40.00002 .828 40.1517 .440 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 .979 19.1869 .661 6.666 6.349 29.00373 .579 6.784 4.8696 .362 4.297 6.0174 .436 44.891 28.066 57.00200 .870 1.002 34.2983 .514 6.625 32.1535 .6 118 231.1503 .659 6.1573 .666 0 0.144 4.1531 .755 16.0904 .1598 .00001 1.367 18.402 6.137 9.742 8.654 6.00543 .864 538.600 6.254 6.2472 .231 5.667 6.1 29 220.00353 .444 118.5718 .059 3.1613 .481 14.336 6.666 6.855 3.00113 .011 2.0247 .0230 .0200 .084 5.693 28.793 245.2229 .666 6.1520 .00006 .2880 .6575 .7 14 524.7 .954 6.1747 .1501 .2096 .390 44.745 500.1511 .518 4.00003 .465 0.156 32.00470 .609 6.491 6.0264 .1 7 217.580 55.4651 .232 16.488 5.0132 .615 36.154 6.0929 .0210 .883 5.4 0.046 4.00046 .3269 .0493 .712 283.450 2.501 41.551 6.700 115.0345 .207 6.434 6.664 6.655 3.805 44.464 6.147 41.185 23.1500 .847 5.256 44.421 5.665 6.135 24.00306 .newn42040_appB.919 37.0349 .9 71 750.00186 .1563 .1911 .00265 .805 133.665 6.0703 .00751 .1500 .071 3.1710 .00011 .075 75.1547 .097 2.1229 .6 962 104.1500 .818 42.822 21.00007 .343 44.1142 .641 6.

1818 .701 30.221 566.00133 .219 50.303 4.00002 .222 5.129 16.078 4.215 7.856 30.562 277.162 5.353 2.3704 .1868 .599 10.521 28.1801 .0137 .555 0 0.7 3 927.00025 .963 327.523 5.939 2.345 5.555 5.371 5.0600 .0365 .327 19.2799 .00005 .0 49 910.00810 .498 3.502 5.939 87.486 29.1163 .00002 .392 1.317 1 103.00077 .127 3.967 10.234 6.890 1.4599 .284 29.021 206.0160 .353 5.00575 .074 30.1937 .00149 .1829 .572 5.2148 .6387 .471 4.158 21.494 342.174 2.793 4.629 235.327 22.447 790.459 0.315 5.1825 .0524 .690 3.8 20 555.288 8.068 103.316 5.672 19.829 12.483 5.273 5.1806 .963 5.554 5.389 23.0824 .1813 .2255 .7 0.6 21 813.845 4.1800 .1911 .00409 .931 42.755 34.0309 .847 1.851 27.0652 .0835 .00001 1.00591 .647 3.00055 .548 5.1800 .885 4.212 24.352 15.0115 .681 26.432 5.150 5.025 4.673 23.812 4.669 73.6 4 163.656 4.00126 .00485 .877 20.786 30.1848 .510 5.1398 .8475 .1808 .566 2.827 30.936 3.1 1 538.1059 .288 2.529 5.818 60.487 289.008 53.553 5.033 5.527 30.965 72.086 23.348 24.4 261 244.194 3.00292 .555 5.0197 .00305 .272 479.1997 .2324 .180 1.0262 .700 3.1821 .4371 .00024 .00823 .997 750.199 5.972 17.3139 .6086 .7182 .0348 .339 27.2859 .410 5.494 28.00360 .9 .480 5.qxd 1/5/04 10:52 AM Page 581 COMPOUND INTEREST TABLES 18% Compound Interest Factors Single Payment 581 18% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.7 1 816.281 5.718 1.556 0 0.1896 .1 107 581.00058 .377 1 716.532 5.435 5.185 3.451 5.2086 .759 4.0135 .00971 .552 5.555 5.00005 .0222 .1800 .7 597 671.592 4.700 4.1857 .3198 .384 5.177 30.00065 .415 5.554 5.0237 .643 1.092 5.025 2.467 5.180 3.910 5.189 4.1 114 189.394 5.370 169.500 143.3717 .502 5.633 14.949 87.1841 .5 1 303.656 2.095 5.00425 .00345 .147 11.177 199.142 45.214 27.480 669.1815 .109 62.2660 .4587 .955 30.345 244.539 5.846 30.0431 .155 28.860 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 .1964 .1800 .231 7.0188 .2 9 531.819 29.00001 1.449 5.492 5.1800 .337 4.00107 .1915 .0425 .0508 .00964 .935 3.00209 .549 5.00697 .628 174.newn42040_appB.481 18.494 4.083 8.00091 .2037 .0985 .740 123.433 5.00011 .393 32.1800 1.1917 .300 26.0000 .295 1.2452 .1835 .154 9.054 29.1 47 025.1372 .3 8 984.1809 .00501 .966 121.442 12.0164 .664 29.528 5.324 38.0115 .00010 .988 25.0286 .2225 .947 934.1802 .0708 .798 4.517 5.1811 .5158 .603 405.1881 .000 2.430 3.413 146.243 5.00177 .791 29.1619 .1806 .176 7.260 102.00247 .008 5.536 5.974 14.673 2.2624 .142 15.543 5.772 28.00682 .

160 6.959 32.00005 .00351 .641 1.2311 .0181 .879 1.3 7 343.611 4.835 23.196 72.668 1 469.802 4.623 31.680 21.870 4.00307 .837 4.200 3.00421 .000 2.497 59.740 186.891 4.873 4.0126 .174 22.2385 .035 87.000 5.3863 .0 281 732.959 4.2000 .987 24.074 3.925 4.0649 .2054 .919 4.247 79.2008 .00004 .442 9.000 0 0.467 16.5 .321 20.00070 .8 3 657.852 3.085 4.988 4.647 4.290 2.4545 .916 16.00169 .982 4.074 2.999 24.594 4.2139 .2007 .3344 .376 284.0000 .988 4.906 6.2481 .847 24.1938 .1 2 948.979 4.224 590.031 4.2004 .2031 .407 18.0114 .991 3.3349 .233 15.883 11.814 237.430 8.484 3.00369 .948 38.2006 .00176 .601 18.836 3.2000 .999 4.833 1.0313 .442 105.999 5.4823 .0169 .891 4.439 4.00014 .223 984.141 24.326 3.0105 .440 1.274 1.2169 .4019 .00444 .00607 .00293 .941 4.150 39.843 4.255 9.1344 .583 4.605 3.1007 .2326 .2114 .00646 .937 4.2206 .660 3.829 4.263 24.192 4.186 26.845 197.00041 .588 17.739 22.396 114.176 23.822 410.00002 .1346 .2094 .2747 .1 2 045.817 3.00034 .00255 .00011 .995 4.192 7.3007 .730 4.581 48.533 4.newn42040_appB.00728 .646 23.475 137.964 4.2606 .00049 .3 1 704.3 45 497.994 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 .2005 .434 12.852 341.386 4.0261 .771 4.4 22 644.1615 .2021 .576 2.555 22.2012 .4747 .0541 .999 0 0.2025 .932 24.970 24.00122 .1863 .906 4.688 225.026 271.00068 .2065 .2003 .528 2.6944 .2001 .694 1.997 4.979 2.0935 .604 24.2010 .2000 1.509 19.956 4.00212 .00002 1.2037 .533 4.975 4.694 4.368 24.970 4.675 4.699 12.735 4.2000 .244 21.488 22.0779 .00244 .985 4.455 0.042 20.00102 .0451 .853 819.0481 .799 25.992 4.9 2 456.00536 .00874 .00781 .00147 .853 4.589 2.00027 .973 4.237 392.0385 .298 4.8333 .368 7.0606 .2 113 219.931 4.005 55.497 95.186 492.299 4.887 14.0151 .200 1.464 4.198 4.2001 .5787 .484 471.2015 .981 567.0253 .998 4.2774 .338 46.812 4.931 128.839 15.640 5.327 4.0774 .00203 .775 4.8 56 347.qxd 1/5/04 10:52 AM Page 582 582 COMPOUND INTEREST TABLES 20% Compound Interest Factors Single Payment 20% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.0217 .3 9 100.6545 .930 12.9 18 281.990 4.499 20.9 1 419.068 1 181.488 2.661 24.117 154.2044 .0206 .0376 .459 24.537 24.106 2.581 8.00506 .1122 .6 0.2018 .00059 .206 66.0311 .00001 1.300 5.2791 .916 10.2078 .0139 .00085 .909 4.377 681.031 326.00944 .986 3.428 23.887 23.728 2.2253 .948 4.289 3.371 164.

1678 .637 15.868 2.00025 .00004 .073 19.602 12.571 3.3388 .00031 .5 1 650.2502 .859 3.0663 .942 3.142 2.928 3.250 1.2 2 465.0145 .2645 .00242 .748 14.0180 .954 3.7 1 972.313 11.00912 .800 1.863 3.259 15.846 11.842 25.00099 .681 538.000 0 0.802 33.994 3.2623 .767 3.2 22 958.537 3.2572 .886 3.326 13.608 3.00079 .8000 .960 7.362 2.000 2.00020 .00061 .00922 .2615 .562 15.00051 .0687 .00292 .687 138.7 91 831.0301 .250 3.00302 .946 3.161 3.207 11.2 1 577.725 3.905 3.2523 .356 3.969 3.0352 .563 1.760 86.00013 .078 15.1734 .1074 .999 4.988 646.2502 .805 3.208 68.674 14.00048 .552 18.990 3.2509 .887 3.2519 .329 3.664 2.991 15.0225 .190 22.0235 .00738 .773 7.2558 .4096 .00148 .0 2 580.833 13.00233 .996 3.2537 .906 15.204 5.985 3.00472 .987 10.2801 .9 213 821.233 15.861 15.1342 .newn42040_appB.00124 .387 2.563 1.0 5 044.768 5.407 211.2503 .9 7 884.00459 .2512 .000 4.00041 .471 15.101 673.2 .636 218.527 44.2621 .1218 .886 15.923 15.108 14.463 3.045 273.893 15.2501 .0504 .115 3.992 3.415 14.566 54.440 1.00724 .8 1 319.780 3.2506 .2546 .689 2.0888 .5123 .0144 .976 3.872 413.937 15.000 0 0.033 1 054.2500 .422 35.836 3.00576 .00001 1.2529 .7 855 280.00378 .952 2.3163 .642 14.511 69.935 3.9 70 064.4234 .2 7 523.997 15.409 55.2735 .052 3.00001 1.815 4.2591 .5120 .796 15.981 3.758 264.0550 .7 1 262.590 516.921 3.0115 .021 9.722 3.2505 .999 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 .453 3.2501 .420 135.00095 .832 15.963 3.852 1.995 3.997 3.2500 .824 3.2515 .00186 .0440 .995 3.7 6 306.963 3.253 42.983 3.997 3.0859 .00010 .8 30 088.6 9 856.225 1.3004 .998 3.893 4.656 3.00193 .698 330.955 3.451 9.00155 .640 1.2 4 035.362 15.00366 .700 15.670 3.6400 .3277 .2684 .2504 .9 3 227.2500 .qxd 1/5/04 10:52 AM Page 583 COMPOUND INTEREST TABLES 25% Compound Interest Factors Single Payment 583 25% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.00076 .736 108.2500 1.0281 .0000 .00039 .966 3.2888 .977 15.556 342.970 3.988 3.949 109.2502 .951 3.998 3.794 1 009.737 28.00119 .0388 .752 15.00013 .945 429.4 2 064.999 4.998 3.0115 .975 3.444 0.3718 .979 3.235 807.2508 .00016 .00590 .0184 .000 4.262 12.2097 .389 86.00063 .5 280 255.797 2.525 169.441 3.986 3.953 2.626 843.813 5.00003 .7 0.605 2.910 3.766 8.514 6.109 173.947 9.4444 .2500 .244 3.6944 .

3235 .00684 .330 3.3 2 015.765 2.00004 .990 6.445 8.552 3.1226 .265 3.3007 .2506 .5 1 550.333 3.00311 .3001 .00184 .172 3.275 8.800 705.4106 .00065 .295 3.00405 .396 2.3002 .9 32 422.00019 .3009 .504 112.3001 .311 3.143 10.436 2.314 9.2072 .619 56.6 8 730.640 917.490 1.078 11.690 2.713 4.107 11.3784 .147 3.0116 .795 2.014 371.333 0 0.005 11.0177 .00043 .3003 .234 7.00009 .3001 .187 9.0330 .newn42040_appB.298 3.278 3.157 10.583 23.00025 .332 3.00003 .00207 .216 2.333 3.3027 .184 417.00889 .1106 .327 97.00269 .925 3.4 2 620.300 3.019 3.8 134 106.00007 .049 247.00526 .3135 .197 2.702 10.969 3.1594 .551 2.333 0 0.783 10.3078 .192 190.00023 .00038 .332 3.8 120 392.064 321.7 24 939.311 3.4552 .5 .5 1 806.3569 .922 23.542 86.887 8.323 3.332 1 192.802 2.186 66.249 3.300 1.228 3.3501 .3001 .3177 .502 2.3 0.00109 .00033 .069 11.qxd 1/5/04 10:52 AM Page 584 584 COMPOUND INTEREST TABLES 30% Compound Interest Factors Single Payment 30% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.3001 .329 3.3419 .315 3.026 11.085 11.769 1.00011 .3000 .361 1.00003 .0 4 427.325 3.3003 .3 6 714.0195 .3000 1.00029 .3060 .827 6.0150 .00005 .0725 .223 3.298 30.00598 .320 3.333 3.289 3.283 3.286 218.00001 1.248 3.889 2.3000 .326 3.856 3.304 3.3006 .333 3.901 10.0254 .912 167.592 1.00055 .8 5 164.3004 .00010 .0000 .374 51.00122 .3312 .178 1.4616 .666 5.3016 .319 3.848 10.405 74.00239 .602 10.058 11.0429 .625 127.858 32.329 3.00072 .1 7 483.333 3.435 0.00084 .973 630.8 3 054.214 1 067.0419 .917 9.3035 .7348 .0102 .190 3.330 3.000 2.5917 .094 11.472 285.328 3.0 11 350.089 3.110 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 .0784 .7692 .165 820.917 10.943 10.8 36 118.00142 .00094 .3102 .043 12.455 146.324 3.332 3.2693 .044 11.015 42.0135 .00159 .630 4.539 542.00015 .332 3.00351 .480 7.331 3.098 11.604 13.00050 .8 5 756.479 10.3000 .1616 .268 3.977 11.090 11.4 3 971.006 2.643 2.135 3.0943 .786 17.827 1.00017 .0 19 183.00013 .0558 .0569 .756 17.0235 .622 6.4348 .0 9 727.6 447 018.3046 .322 3.644 9.202 3.0312 .328 10.166 2.034 3.5506 .092 3.316 3.816 2.0 3 406.00782 .0 14 756.305 3.00001 1.0 2 348.518 483.3 1 388.3012 .327 3.00458 .287 39.331 3.3021 .3000 .683 2.

889 6.143 8.3553 .834 2.002 8.844 2.1652 .7755 .4064 .1 6 021.589 2.152 8.00290 .1508 .852 2.853 2.3503 .8 4 460.00026 .5 12 740.3500 .0497 .00055 .00005 .3849 .0202 .173 6.0671 .352 5.784 90.854 2.5 2 102.818 7.160 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 .3502 .032 14.508 2.3516 .597 7.3501 .633 9.925 852.000 2.5 6 989.851 2.00532 .3500 .7 57 137.857 2.00001 .0111 .753 2.808 2.350 1.3509 .289 1.857 2.752 2.8 1 812.322 4.00064 .644 49.2 3 303.644 2.3 9 436.089 8.897 466.3506 .00117 .00609 .857 0 0.3988 .00002 .0150 .0134 .newn42040_appB.3011 .857 2.4193 .qxd 1/5/04 10:52 AM Page 585 COMPOUND INTEREST TABLES 35% Compound Interest Factors Single Payment 585 35% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.220 2.00019 .664 39.3500 .470 66.590 74.665 2.157 3.462 404.3 0.983 4.854 2.803 1.841 138.3501 .997 2.3512 .822 2.827 2.00214 .00009 .247 7.3539 .3 17 200.5487 .385 2.350 4.3 2 839.492 28.0 3 833.172 11.7 .0693 .00136 .460 3.00004 .00003 .3501 .696 54.834 2.6 31 350.00722 .422 1.00247 .856 0 0.714 164.00011 .7407 .776 2.3752 .159 8.520 2.00822 .00012 .00014 .130 8.00006 .848 2.00334 .3 19 999.106 8.00035 .717 5.005 7.856 2.00048 .793 2.670 1.265 3.209 2.00007 .3505 .3683 .3500 .721 7.060 2.7 5 176.3572 .436 2.1 8 128.3529 .314 221.00158 .00001 1.0000 .748 1 152.2 1 556.843 2.00183 .954 254.00101 .0273 .779 2.855 2.038 8.857 2.00451 .825 2.0183 .894 20.824 299.119 8.5 10 973.2230 .954 14.3634 .857 2.157 8.1005 .3521 .741 1.611 630.9 77 137.00030 .839 2.5008 .00982 .705 7.4255 .819 2.3500 .00022 .0252 .00074 .1 42 323.148 8.362 2.00087 .3504 .00004 .3500 .484 6.715 2.881 2.0349 .158 121.852 2.697 101.134 1.00008 .274 545.857 2.00041 .00017 .689 2.665 1 342.4505 .107 27.485 187.849 2.4 23 221.3598 .739 344.840 2.549 1.144 36.336 6.895 7.00003 1.5 14 814.847 2.598 2.856 2.137 8.857 2.8 2 447.053 8.00002 .955 8.856 2.0906 .154 8.0488 .696 1.853 2.158 8.5897 .067 8.769 736.1224 .799 2.438 20.850 2.856 2.789 994.855 2.855 2.0 36 448.814 2.334 2.725 2.3 26 999.0368 .3500 1.00393 .426 0.3501 .2397 .442 7.2 104 136.

244 6.222 6.newn42040_appB.0914 .4000 1.493 2.8 66 408.469 2.170 5.494 2.1859 .879 597.853 34.400 1.00167 .0 .468 2.0126 .239 6.4000 .925 40.00024 .4036 .661 28.358 1.4000 .248 6.969 6.4000 .499 2.00048 .00067 .285 2.4000 .249 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 .00234 .0000 .4000 .221 2.9 3 214.035 2.2603 .4000 .4001 .0 84 702.783 1 064.428 3.00002 .762 5.988 759.611 5.00001 .4001 .960 2.997 4.4002 .213 6.417 0.500 2.0101 .153 69.4005 .499 2.500 2.00001 .224 1.0346 .00003 .500 2.00061 .500 2.379 2.5 118 584.456 2.500 2.4007 .00008 .5408 .245 6.120 155.497 2.476 2.4914 .497 2.4 166 019.229 6.499 2.00363 .0 0.8167 .478 2.4000 .487 2.200 6.4072 .00017 .568 217.0678 .4051 .9 30 866.0176 .500 2.8 12 347.324 23.842 5.00459 .00016 .484 2.2 2 925.00005 .581 1.235 195.414 2.0613 .0 11 247.714 1.00328 .919 2.764 3.482 2.249 6.0 47 434.248 6.510 1.9 2 295.946 16.0291 .5102 .0143 .247 6.160 6.500 2.498 2.694 79.00094 .471 4.7143 .4000 .020 2.500 2.300 386.500 2.7 43 214.682 1 171.4167 .331 2.4203 .929 275.589 1.438 2.7 1 419.4143 .00900 .4018 .000 2.4001 .1408 .766 1.498 2.4013 .458 2.630 836.00006 .00012 .183 6.913 426.4613 .400 4.420 541.739 139.00002 .2 232 427.00643 .168 2.2 4 499.3644 .4009 .7 24 201.6 2 089.00003 .239 2.00001 1.00009 .395 49.4026 .00120 .00022 .1328 .249 6.090 6.00718 .00004 .qxd 1/5/04 10:52 AM Page 586 586 COMPOUND INTEREST TABLES 40% Compound Interest Factors Single Payment 40% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.758 20.496 2.500 2.1 130 161.8 8 819.2 15 747.4 1 639.3 60 501.6294 .00002 .0203 .00510 .4003 .4291 .849 2.038 6.00034 .00001 .0247 .490 2.104 10.498 2.7 92 972.541 14.2294 .1 8 033.00259 .00132 .499 2.500 2.4000 .242 6.092 1.780 1.4101 .235 6.530 10.403 2.00185 .4002 .0484 .00085 .492 2.499 2.500 0 0.2 5 737.0419 .00006 .00031 .263 2.042 2.858 5.7 17 286.499 2.498 2.4 33 882.494 2.417 5.130 6.00001 1.373 2.496 56.360 7.00011 .9 4 097.0949 .378 7.1 22 046.371 111.795 304.489 2.4419 .500 0 0.9 325 400.744 3.334 2.9 6 299.00002 .814 98.142 2.444 2.00044 .426 2.496 2.879 5.

4500 .00013 .00001 .9 154 106.4861 .4500 .196 2.049 4.218 2.917 4.0 22 747.298 1.431 27.8 106 279.222 0 0.937 4.00380 .1 1 688.690 1.6697 .661 1.220 2.058 4.4082 .6897 .222 2.2262 .222 2.1 50 548.3280 .938 4.499 1.334 41.1 73 295.222 2.668 4.743 89.00002 .936 4.222 0 0.252 181.00249 .214 2.4500 .725 41.00027 .4501 .4500 1.8 2 584.00001 1.6 10 819.00768 .168 2.3 15 688.0832 .0168 .185 2.00018 .735 276.222 2.4500 .132 1.4500 .216 2.4500 .0 469 818.0 444 509.222 2.115 401.325 1 228.740 4.022 18.4553 .0165 .927 4.145 2.277 4.572 4.222 2.0512 .221 2.00004 .418 3.200 2.077 130.973 2.793 4.00006 .5 681 237.00362 .00002 .1560 .221 2.476 19.00551 .893 1.982 846.791 1.8 223 455.034 2.206 2.0000 .218 2.938 4.00009 .294 13.2 .222 2.810 2.1 145 806.677 802.434 2.057 2.9 7 461.7 7 884.934 4.165 2.221 2.8582 .831 1 164.450 4.4536 .00019 .210 2.832 4.082 2.882 4.3 11 433.222 2.00039 .053 1.9 69 349.0742 .1076 .4500 .202 60.00003 .00086 .4501 .4577 .720 1.938 4.00004 .000 2.222 2.222 2.00125 .758 1.4500 .221 2.776 4.222 2.410 9.00081 .615 263.4503 .930 4.923 4.5332 .00001 1.222 2.109 2.342 381.8 5 436.9 0.983 2.421 6.00172 .445 4.221 2.219 2.938 4.00006 .573 86.00262 .7 32 984.00009 .4525 .898 4.00041 .846 553.222 2.newn42040_appB.4508 .476 1.00181 .210 2.0243 .219 2.4500 .qxd 1/5/04 10:52 AM Page 587 COMPOUND INTEREST TABLES 45% Compound Interest Factors Single Payment 587 45% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.935 4.1316 .214 2.4743 .876 1.00527 .8 987 795.933 4.4756 .541 28.216 2.180 2.0116 .4517 .2197 .4500 .0543 .0361 .222 2.408 0.937 4.00001 .553 7.0243 .103 3.118 2.4612 .3 306 558.00118 .1 47 826.4665 .5816 .00056 .2 1 781.9 324 012.0 2 447.5 3 548.00001 .0353 .00003 .1 24 040.222 2.222 2.861 4.085 59.601 12.4504 .4512 .381 125.4506 .972 3.938 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 .9 5 145.144 2.7 3 748.4502 .204 2.00013 .1 100 556.4501 .162 189.909 4.222 2.222 2.5043 .7 34 860.2 16 579.0112 .220 2.191 2.367 582.450 2.00001 .4 211 419.00059 .222 2.165 1.00798 .00028 .493 1.4500 .

0758 .997 1.1 575 251.883 1.985 1.8 56 815.995 257.qxd 1/5/04 10:52 AM Page 588 588 COMPOUND INTEREST TABLES 50% Compound Interest Factors Single Payment 50% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.000 4.737 1.995 1.988 1.5000 1.375 5.605 1.00002 .258 74.4444 .000 2.966 1.00114 .675 1.7 6 648.00009 .242 1.00001 .428 3.784 3.996 1.00010 .1 287 626.000 2.000 2.00004 .5003 .824 1.8 11 222.8 4 431.746 194.2 50 500.5134 .00002 .6 431 439.9000 .5008 .0585 .976 1.948 1.5311 .000 2.5039 .629 38.00013 .1975 .991 3.594 11.00001 .991 1.000 4.947 3.5058 .5017 .750 8.859 873.7 127 834.00001 .981 3.630 2.5005 .00228 .998 1.595 2.00023 .5481 .998 1.760 1.443 57.5000 .1 25 251.00007 .933 1.5000 .952 1.667 1.2 862 877.0 191 751.8 14 961.5002 .000 2.945 3.5088 .125 13.999 2.00001 .922 1.0116 .665 86.3 4 987.00003 .000 2.2105 .5 33 666.037 1.330 170.00034 .0878 .929 437.584 3.1317 .250 3.00076 .00006 .000 2.0311 .000 2.000 2.5000 .220 3.5203 .0390 .965 1.5 113 628.846 3.000 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 .973 3.994 1.5001 .5001 .00152 .0481 .8 0.987 3.1231 .00001 1.00258 .9 7 481.00003 .5000 .00051 .4 255 666.997 1.086 25.999 1.999 4.172 49.5 2 953.111 1.7 22 443.000 2.922 3.5002 .000 2.000 2.00172 .983 1.423 1.188 20.999 1.1 85 222.9 2 216.5000 .994 3.156 2.620 291.0173 .063 7.999 1.699 3.newn42040_appB.015 1.00015 .7 16 834.961 3.3 170 443.2 37 876.565 1.824 1.4000 .444 1.7105 .999 1.00030 .990 1.00343 .498 129.5000 .8 3 325.890 3.9 .391 17.0000 .737 1.00585 .5011 .00045 .407 1.000 4.894 656.000 0 0.493 387.00004 .998 3.788 1 311.977 1.5000 .5758 .5000 .5000 .5 9 973.7 1 968.000 2.000 0 0.000 2.999 3.00882 .00771 .3 75 751.814 985.400 0.00514 .996 3.500 2.999 2.781 32.2963 .5000 .000 2.00020 .993 1.887 113.5026 .6667 .871 1.0203 .500 4.00001 1.997 3.000 2.0134 .000 2.239 581.0260 .00068 .00388 .907 1.6231 .999 3.1 383 500.00101 .261 1 477.

844 42.666 1.6002 .866 181.337 1.2 211 273.933 1 199.5 49 517.0000 .666 1.0380 .5 7 868.00005 .624 1.000 2.724 2.00001 .9 3 072.7 2 951.9 0.475 450.6000 .00551 .762 2.666 1.7080 .385 0.6055 .0633 .0143 .554 10.661 1.667 1.667 1.096 6.951 175.476 1.600 5.00008 .00001 .767 2.6001 .5 .6000 .4 865 380.777 2.667 1.666 1.00003 .664 1.6005 .601 2.8 12 089.295 43.777 2.newn42040_appB.652 1.628 1.6000 .778 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 .6000 .777 2.600 2.6000 .697 2.585 291.073 69.360 720.4 338 038.0146 .6380 .3 1 919.00001 1.1526 .9 12 591.00052 .3846 .6232 .6143 .658 2.773 2.605 1.754 2.3 51 579.916 112.775 2.3 19 342.776 2.667 0 0.950 68.00005 .879 1.5 4 722.6633 .0596 .00083 .6003 .667 1.00134 .0 202 824.00008 .0233 .9 1 844.4 7 555.2 82 527.663 1.1938 .667 1.458 748.00355 .7938 .00013 .625 1.666 1.3 20 147.6011 .00021 .657 1.qxd 1/5/04 10:52 AM Page 589 COMPOUND INTEREST TABLES 60% Compound Interest Factors Single Payment 589 60% Uniform Payment Series Arithmetic Gradient n Compound Amount Factor Find F Given P F/P Present Worth Factor Find P Given F P/F 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 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 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 1.00139 .6021 .663 1.240 2.638 1.2441 .508 1.6000 1.4 540 862.667 0 0.777 26.778 2.576 1 152.575 1.604 1.666 1.00020 .00909 .4 519 229.00034 .654 1.00003 .771 2.810 26.3906 .6000 .160 9.00054 .0373 .6000 .642 1.777 2.0 324 518.1080 .519 2.256 15.719 109.567 1.667 1.778 2.0232 .647 1.0954 .6013 .6000 .286 1.016 2.664 1.00002 .658 1.00033 .698 0.00001 1.560 4.403 2.667 1.412 1.742 2.6008 .536 467.667 1.6034 .00343 .00568 .6 79 228.666 1.667 1.946 1.00886 .666 1.718 2.396 1.8 30 948.391 0.00002 .486 16.667 1.00214 .6089 .6250 .6 132 045.00013 .9846 .260 1.665 1.922 281.016 1.534 1.1 32 236.00222 .00087 .666 1.1 126 765.665 1.8 4 917.661 1.6000 .140 1.

6637 .4677 .18 .9155 1.6379 2.20 .6161 1.3396 2.93 .2586 1.4966 .9348 1.04 .90 .8025 .16 .81 .11 .0618 1.1598 2.5117 .2214 1.4404 .8869 .4109 2.4596 2.6570 .2969 1.1052 1.6376 .0544 2.15 .70 .7189 .1503 1.9418 .9937 2.5857 2.1163 1.4918 1.53 .55 .5016 .4819 .84 .33 .06 .3869 2.4333 1.24 .4630 .6117 2.1275 1.5220 .1853 1.8521 .5769 .6653 1.9608 .1972 1.29 .67 .19 .4916 .83 .4148 .6771 .8353 .8694 .4771 .4025 .3910 1.6645 2.6188 .43 .40 .0959 2.6126 .91 .0942 1.2933 2.92 .5373 1.2479 2.3632 2.10 .66 .4584 .newn42040_appB.0305 1.99 1.44 .1618 1.9704 .5712 .76 .2092 1.88 .5599 .98 .60 .45 .8437 .54 .4274 .17 .30 .5600 2.0202 1.5527 1.08 .8187 .3679 .6313 .2034 2.39 .12 .3634 1.87 .95 .00 1.4770 1.7866 .32 .8404 1.21 .35 .5841 1.94 .8607 .23 .7334 .6487 .5945 .3364 1.4049 1.5068 1.37 .47 .65 .9231 .9802 .6323 1.3946 .3499 1.6250 .3985 .2461 1.42 .68 .78 .46 .7483 .8270 .7683 1.8965 1.28 .5345 2.5220 1.7261 .6989 1.5886 .5543 .4191 1.7118 .4066 .3753 .9739 1.82 .4724 .5379 .51 .4190 .1388 1.38 .0513 1.2705 2.34 .61 .96 .8106 .3231 1.85 .3791 .4493 .4538 .62 .79 .2712 1.5488 .4107 .6440 .14 .27 .09 .4449 .7558 .97 .5273 .9900 .13 .6912 2.5093 2.8781 .5683 1.58 .8589 1.qxd 1/5/04 10:52 AM Page 590 590 COMPOUND INTEREST TABLES Continuous Compounding—Single Payment Factors rn Compound Amount Factor ern Find F Given P F/P Present Worth Factor e−rn Find P Given F P/F .8776 1.86 .25 .7860 1.3829 .0725 1.8958 .5169 .0833 1.9542 1.73 .6005 .2255 2.9512 .22 .49 .6839 .59 .41 .5326 .6065 rn Compound Amount Factor ern Find F Given P F/P Present Worth Factor e−rn Find P Given F P/F .75 .89 .9048 .26 .31 .5066 .36 .3716 .7160 1.4843 2.5434 .5827 .6820 1.48 .77 .63 .52 .4623 1.8221 1.4360 .4351 2.3164 2.3906 .9324 .02 .80 .72 .7634 .74 .5655 .6703 .3771 1.9139 .64 .56 .1815 2.7507 1.0340 2.05 .0138 2.57 .71 .01 .0408 1.03 .6977 .4317 .7047 .8040 1.6907 .1383 2.4868 .3867 .1170 2.7333 1.1735 1.69 .4232 .7711 .3100 1.7945 .50 1.07 .7183 .6000 1.7408 .4477 1.2840 1.7788 .2337 1.6505 .0751 2.0101 1.