Financial Calculator Keys:

Present Value of an Annuity of $1 per Period for n Periods (PVIFA)

n
N

i
I/Y

PV

Calculate Interest Factor With Spreadsheet:

1.0
PMT

0
FV

14%

15%

TABLE

n =
i =
m =

30.0000
8.25000%
12.0000

18%

20%

PVIFA =

133.108539

VALUE

Period
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

1%
0.99010
1.97040
2.94099
3.90197
4.85343
5.79548
6.72819
7.65168
8.56602
9.47130
10.36763
11.25508
12.13374
13.00370
13.86505
14.71787
15.56225
16.39827
17.22601
18.04555
18.85698
19.66038
20.45582
21.24339
22.02316
22.79520
23.55961
24.31644
25.06579
25.80771
26.54229
27.26959
27.98969
28.70267
29.40858
30.10751
30.79951
31.48466
32.16303
32.83469
33.49969
34.15811
34.81001
35.45545
36.09451
36.72724
37.35370
37.97396
38.58808
39.19612

2%

3%

4%

5%

6%

7%

8%

9%

0.98039
1.94156
2.88388
3.80773
4.71346
5.60143
6.47199
7.32548
8.16224
8.98259
9.78685
10.57534
11.34837
12.10625
12.84926
13.57771
14.29187
14.99203
15.67846
16.35143
17.01121
17.65805
18.29220
18.91393
19.52346
20.12104
20.70690
21.28127
21.84438
22.39646
22.93770
23.46833
23.98856
24.49859
24.99862
25.48884
25.96945
26.44064
26.90259
27.35548
27.79949
28.23479
28.66156
29.07996
29.49016
29.89231
30.28658
30.67312
31.05208
31.42361

0.97087
1.91347
2.82861
3.71710
4.57971
5.41719
6.23028
7.01969
7.78611
8.53020
9.25262
9.95400
10.63496
11.29607
11.93794
12.56110
13.16612
13.75351
14.32380
14.87747
15.41502
15.93692
16.44361
16.93554
17.41315
17.87684
18.32703
18.76411
19.18845
19.60044
20.00043
20.38877
20.76579
21.13184
21.48722
21.83225
22.16724
22.49246
22.80822
23.11477
23.41240
23.70136
23.98190
24.25427
24.51871
24.77545
25.02471
25.26671
25.50166
25.72976

0.96154
1.88609
2.77509
3.62990
4.45182
5.24214
6.00205
6.73274
7.43533
8.11090
8.76048
9.38507
9.98565
10.56312
11.11839
11.65230
12.16567
12.65930
13.13394
13.59033
14.02916
14.45112
14.85684
15.24696
15.62208
15.98277
16.32959
16.66306
16.98371
17.29203
17.58849
17.87355
18.14765
18.41120
18.66461
18.90828
19.14258
19.36786
19.58448
19.79277
19.99305
20.18563
20.37079
20.54884
20.72004
20.88465
21.04294
21.19513
21.34147
21.48218

0.95238
1.85941
2.72325
3.54595
4.32948
5.07569
5.78637
6.46321
7.10782
7.72173
8.30641
8.86325
9.39357
9.89864
10.37966
10.83777
11.27407
11.68959
12.08532
12.46221
12.82115
13.16300
13.48857
13.79864
14.09394
14.37519
14.64303
14.89813
15.14107
15.37245
15.59281
15.80268
16.00255
16.19290
16.37419
16.54685
16.71129
16.86789
17.01704
17.15909
17.29437
17.42321
17.54591
17.66277
17.77407
17.88007
17.98102
18.07716
18.16872
18.25593

0.94340
1.83339
2.67301
3.46511
4.21236
4.91732
5.58238
6.20979
6.80169
7.36009
7.88687
8.38384
8.85268
9.29498
9.71225
10.10590
10.47726
10.82760
11.15812
11.46992
11.76408
12.04158
12.30338
12.55036
12.78336
13.00317
13.21053
13.40616
13.59072
13.76483
13.92909
14.08404
14.23023
14.36814
14.49825
14.62099
14.73678
14.84602
14.94907
15.04630
15.13802
15.22454
15.30617
15.38318
15.45583
15.52437
15.58903
15.65003
15.70757
15.76186

0.93458
1.80802
2.62432
3.38721
4.10020
4.76654
5.38929
5.97130
6.51523
7.02358
7.49867
7.94269
8.35765
8.74547
9.10791
9.44665
9.76322
10.05909
10.33560
10.59401
10.83553
11.06124
11.27219
11.46933
11.65358
11.82578
11.98671
12.13711
12.27767
12.40904
12.53181
12.64656
12.75379
12.85401
12.94767
13.03521
13.11702
13.19347
13.26493
13.33171
13.39412
13.45245
13.50696
13.55791
13.60552
13.65002
13.69161
13.73047
13.76680
13.80075

0.92593
1.78326
2.57710
3.31213
3.99271
4.62288
5.20637
5.74664
6.24689
6.71008
7.13896
7.53608
7.90378
8.24424
8.55948
8.85137
9.12164
9.37189
9.60360
9.81815
10.01680
10.20074
10.37106
10.52876
10.67478
10.80998
10.93516
11.05108
11.15841
11.25778
11.34980
11.43500
11.51389
11.58693
11.65457
11.71719
11.77518
11.82887
11.87858
11.92461
11.96723
12.00670
12.04324
12.07707
12.10840
12.13741
12.16427
12.18914
12.21216
12.23348

0.91743
1.75911
2.53129
3.23972
3.88965
4.48592
5.03295
5.53482
5.99525
6.41766
6.80519
7.16073
7.48690
7.78615
8.06069
8.31256
8.54363
8.75563
8.95011
9.12855
9.29224
9.44243
9.58021
9.70661
9.82258
9.92897
10.02658
10.11613
10.19828
10.27365
10.34280
10.40624
10.46444
10.51784
10.56682
10.61176
10.65299
10.69082
10.72552
10.75736
10.78657
10.81337
10.83795
10.86051
10.88120
10.90018
10.91760
10.93358
10.94823
10.96168

10%
0.90909
1.73554
2.48685
3.16987
3.79079
4.35526
4.86842
5.33493
5.75902
6.14457
6.49506
6.81369
7.10336
7.36669
7.60608
7.82371
8.02155
8.20141
8.36492
8.51356
8.64869
8.77154
8.88322
8.98474
9.07704
9.16095
9.23722
9.30657
9.36961
9.42691
9.47901
9.52638
9.56943
9.60857
9.64416
9.67651
9.70592
9.73265
9.75696
9.77905
9.79914
9.81740
9.83400
9.84909
9.86281
9.87528
9.88662
9.89693
9.90630
9.91481

12%
0.89286
1.69005
2.40183
3.03735
3.60478
4.11141
4.56376
4.96764
5.32825
5.65022
5.93770
6.19437
6.42355
6.62817
6.81086
6.97399
7.11963
7.24967
7.36578
7.46944
7.56200
7.64465
7.71843
7.78432
7.84314
7.89566
7.94255
7.98442
8.02181
8.05518
8.08499
8.11159
8.13535
8.15656
8.17550
8.19241
8.20751
8.22099
8.23303
8.24378
8.25337
8.26194
8.26959
8.27642
8.28252
8.28796
8.29282
8.29716
8.30104
8.30450

0.87719
1.64666
2.32163
2.91371
3.43308
3.88867
4.28830
4.63886
4.94637
5.21612
5.45273
5.66029
5.84236
6.00207
6.14217
6.26506
6.37286
6.46742
6.55037
6.62313
6.68696
6.74294
6.79206
6.83514
6.87293
6.90608
6.93515
6.96066
6.98304
7.00266
7.01988
7.03498
7.04823
7.05985
7.07005
7.07899
7.08683
7.09371
7.09975
7.10504
7.10969
7.11376
7.11733
7.12047
7.12322
7.12563
7.12774
7.12960
7.13123
7.13266

0.86957
1.62571
2.28323
2.85498
3.35216
3.78448
4.16042
4.48732
4.77158
5.01877
5.23371
5.42062
5.58315
5.72448
5.84737
5.95423
6.04716
6.12797
6.19823
6.25933
6.31246
6.35866
6.39884
6.43377
6.46415
6.49056
6.51353
6.53351
6.55088
6.56598
6.57911
6.59053
6.60046
6.60910
6.61661
6.62314
6.62881
6.63375
6.63805
6.64178
6.64502
6.64785
6.65030
6.65244
6.65429
6.65591
6.65731
6.65853
6.65959
6.66051

16%
0.86207
1.60523
2.24589
2.79818
3.27429
3.68474
4.03857
4.34359
4.60654
4.83323
5.02864
5.19711
5.34233
5.46753
5.57546
5.66850
5.74870
5.81785
5.87746
5.92884
5.97314
6.01133
6.04425
6.07263
6.09709
6.11818
6.13636
6.15204
6.16555
6.17720
6.18724
6.19590
6.20336
6.20979
6.21534
6.22012
6.22424
6.22779
6.23086
6.23350
6.23577
6.23774
6.23943
6.24089
6.24214
6.24323
6.24416
6.24497
6.24566
6.24626

0.84746
1.56564
2.17427
2.69006
3.12717
3.49760
3.81153
4.07757
4.30302
4.49409
4.65601
4.79322
4.90951
5.00806
5.09158
5.16235
5.22233
5.27316
5.31624
5.35275
5.38368
5.40990
5.43212
5.45095
5.46691
5.48043
5.49189
5.50160
5.50983
5.51681
5.52272
5.52773
5.53197
5.53557
5.53862
5.54120
5.54339
5.54525
5.54682
5.54815
5.54928
5.55024
5.55105
5.55174
5.55232
5.55281
5.55323
5.55359
5.55389
5.55414

0.83333
1.52778
2.10648
2.58873
2.99061
3.32551
3.60459
3.83716
4.03097
4.19247
4.32706
4.43922
4.53268
4.61057
4.67547
4.72956
4.77463
4.81219
4.84350
4.86958
4.89132
4.90943
4.92453
4.93710
4.94759
4.95632
4.96360
4.96967
4.97472
4.97894
4.98245
4.98537
4.98781
4.98984
4.99154
4.99295
4.99412
4.99510
4.99592
4.99660
4.99717
4.99764
4.99803
4.99836
4.99863
4.99886
4.99905
4.99921
4.99934
4.99945

24%
0.80645
1.45682
1.98130
2.40428
2.74538
3.02047
3.24232
3.42122
3.56550
3.68186
3.77569
3.85136
3.91239
3.96160
4.00129
4.03330
4.05911
4.07993
4.09672
4.11026
4.12117
4.12998
4.13708
4.14281
4.14742
4.15115
4.15415
4.15657
4.15853
4.16010
4.16137
4.16240
4.16322
4.16389
4.16443
4.16486
4.16521
4.16549
4.16572
4.16590
4.16605
4.16617
4.16627
4.16634
4.16641
4.16646
4.16650
4.16653
4.16656
4.16658

28%
0.78125
1.39160
1.86844
2.24097
2.53201
2.75938
2.93702
3.07579
3.18421
3.26892
3.33509
3.38679
3.42718
3.45873
3.48339
3.50265
3.51769
3.52945
3.53863
3.54580
3.55141
3.55579
3.55921
3.56188
3.56397
3.56560
3.56688
3.56787
3.56865
3.56926
3.56973
3.57010
3.57039
3.57062
3.57080
3.57094
3.57104
3.57113
3.57119
3.57124
3.57128
3.57132
3.57134
3.57136
3.57138
3.57139
3.57140
3.57140
3.57141
3.57141

32%
0.75758
1.33150
1.76629
2.09567
2.34521
2.53425
2.67746
2.78595
2.86815
2.93041
2.97759
3.01332
3.04040
3.06091
3.07644
3.08822
3.09713
3.10389
3.10901
3.11288
3.11582
3.11805
3.11973
3.12101
3.12198
3.12271
3.12326
3.12369
3.12400
3.12425
3.12443
3.12457
3.12467
3.12475
3.12481
3.12486
3.12489
3.12492
3.12494
3.12495
3.12496
3.12497
3.12498
3.12498
3.12499
3.12499
3.12499
3.12499
3.12500
3.12500

36%
0.73529
1.27595
1.67349
1.96580
2.18074
2.33878
2.45498
2.54043
2.60326
2.64945
2.68342
2.70840
2.72676
2.74027
2.75020
2.75750
2.76287
2.76681
2.76972
2.77185
2.77342
2.77457
2.77542
2.77604
2.77650
2.77684
2.77709
2.77727
2.77741
2.77750
2.77758
2.77763
2.77767
2.77770
2.77772
2.77773
2.77775
2.77775
2.77776
2.77777
2.77777
2.77777
2.77777
2.77777
2.77778
2.77778
2.77778
2.77778
2.77778
2.77778

Prepared by Jim Keys