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A

Compound Interest
Factors for Discrete
Compounding,
Discrete Cash Flows

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APPENDIX A

i  0.5%

Discrete Compounding, Discrete Cash Flows

SINGLE PAYMENT

UNIFORM SERIES

Compound
Amount
Factor

Present
Worth
Factor

Sinking
Fund
Factor

Uniform
Series
Factor

Capital
Recovery
Factor

Series
Present
Worth Factor

Arithmetic
Gradient
Series
Factor

N

(F/P,i,N)

(P/F,i,N)

(A/F,i,N)

(F/A,i,N)

(A/P,i,N)

(P/A,i,N)

(A/G,i,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

1.0050
1.0100
1.0151
1.0202
1.0253
1.0304
1.0355
1.0407
1.0459
1.0511
1.0564
1.0617
1.0670
1.0723
1.0777
1.0831
1.0885
1.0939
1.0994
1.1049
1.1104
1.1160
1.1216
1.1272
1.1328
1.1385
1.1442
1.1499
1.1556
1.1614
1.1672
1.1730
1.1789
1.1848
1.1907
1.2208
1.2516
1.2832
1.3156
1.3489
1.3829
1.4178
1.4536
1.4903
1.5280
1.5666
1.6061
1.6467

0.99502
0.99007
0.98515
0.98025
0.97537
0.97052
0.96569
0.96089
0.95610
0.95135
0.94661
0.94191
0.93722
0.93256
0.92792
0.92330
0.91871
0.91414
0.90959
0.90506
0.90056
0.89608
0.89162
0.88719
0.88277
0.87838
0.87401
0.86966
0.86533
0.86103
0.85675
0.85248
0.84824
0.84402
0.83982
0.81914
0.79896
0.77929
0.76009
0.74137
0.72311
0.70530
0.68793
0.67099
0.65446
0.63834
0.62262
0.60729

1.0000
0.49875
0.33167
0.24813
0.19801
0.16460
0.14073
0.12283
0.10891
0.09777
0.08866
0.08107
0.07464
0.06914
0.06436
0.06019
0.05651
0.05323
0.05030
0.04767
0.04528
0.04311
0.04113
0.03932
0.03765
0.03611
0.03469
0.03336
0.03213
0.03098
0.02990
0.02889
0.02795
0.02706
0.02622
0.02265
0.01987
0.01765
0.01584
0.01433
0.01306
0.01197
0.01102
0.01020
0.00947
0.00883
0.00825
0.00773

1.0000
2.0050
3.0150
4.0301
5.0503
6.0755
7.1059
8.1414
9.1821
10.228
11.279
12.336
13.397
14.464
15.537
16.614
17.697
18.786
19.880
20.979
22.084
23.194
24.310
25.432
26.559
27.692
28.830
29.975
31.124
32.280
33.441
34.609
35.782
36.961
38.145
44.159
50.324
56.645
63.126
69.770
76.582
83.566
90.727
98.068
105.59
113.31
121.22
129.33

1.0050
0.50375
0.33667
0.25313
0.20301
0.16960
0.14573
0.12783
0.11391
0.10277
0.09366
0.08607
0.07964
0.07414
0.06936
0.06519
0.06151
0.05823
0.05530
0.05267
0.05028
0.04811
0.04613
0.04432
0.04265
0.04111
0.03969
0.03836
0.03713
0.03598
0.03490
0.03389
0.03295
0.03206
0.03122
0.02765
0.02487
0.02265
0.02084
0.01933
0.01806
0.01697
0.01602
0.01520
0.01447
0.01383
0.01325
0.01273

0.99502
1.9851
2.9702
3.9505
4.9259
5.8964
6.8621
7.8230
8.7791
9.7304
10.677
11.619
12.556
13.489
14.417
15.340
16.259
17.173
18.082
18.987
19.888
20.784
21.676
22.563
23.446
24.324
25.198
26.068
26.933
27.794
28.651
29.503
30.352
31.196
32.035
36.172
40.207
44.143
47.981
51.726
55.377
58.939
62.414
65.802
69.108
72.331
75.476
78.543

0.00000
0.49875
0.99667
1.4938
1.9900
2.4855
2.9801
3.4738
3.9668
4.4589
4.9501
5.4406
5.9302
6.4190
6.9069
7.3940
7.8803
8.3658
8.8504
9.3342
9.8172
10.299
10.781
11.261
11.741
12.220
12.698
13.175
13.651
14.126
14.601
15.075
15.548
16.020
16.492
18.836
21.159
23.462
25.745
28.006
30.247
32.468
34.668
36.847
39.006
41.145
43.263
45.361

73458 0.8607 6.42922 0.i.670 90.7955 6.i.04086 0.660 20.00690 0.4026 1.01993 0.4710 2.07690 0.3887 1.2324 1.0000 0.97059 0.03245 0.01771 0.11674 0.560 24.12069 0.93272 0.0100 3.567 12.N) (A/G.34002 0.3815 5.08241 0.9801 2.9094 2.533 28.852 81.2824 1.494 38.86 157.45112 0.5735 2.653 15.8167 1.01902 0.03112 0.0615 1.05098 0.04541 0.316 25.76440 0.270 27.9704 2.2447 1.3478 1.05426 0.226 18.19604 0.857 19.01373 0.83602 0.01636 0.02990 0.865 14.243 29.63905 0.00000 0.14863 0.481 64.99010 1.0303 1.1843 1.398 17.03707 0.147 44.01752 0.67165 0.718 15.84438 0.55045 0.48 1.6446 1.50751 0.808 26.N) (A/P.03046 0.937 100.1726 1.i.7017 9.03573 0.49751 0.258 41.3384 6.02400 0.05086 0.1694 9.795 23.243 22.91434 0.2886 7.522 30.17255 0.463 72.08645 0.06212 0.0510 1.947 16.03889 0.04889 0.097 17.09558 0.100 10.379 34.03768 0.544 15.450 34.462 11.8143 7.169 52.886 56.368 11.542 27.03667 0.99337 1.4486 2.90529 0.835 36.i.0068 2.68 110.955 47.03541 0.47413 0.134 13.01224 0.046 18.4876 1.3613 1.0301 4.81954 0.3298 2.1610 1.05303 0.49751 0.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 1.02224 0.7285 1.133 37.52373 0.2135 8.92348 0.57853 0.587 54.178 20.809 14.703 29.01100 0.024 11.941 12.852 13.456 21. Discrete Cash Flows i  1% 497 Discrete Compounding.436 24.i.304 13.143 63.869 40.i.0000 2.06426 0.0201 1.129 33.987 18.38857 0.161 61.02484 0.00636 0.1520 7.71297 0.258 18.74934 0.004 13.10674 0.078 59.080 37.04303 0.3082 1.74192 0.06098 0.239 24.1091 2.02667 0.249 36.0829 1.82774 0.066 25.0100 0.14_fraser_appA.3749 1.3213 1.25628 0.2953 1.98030 0.1381 1.1046 1.716 26.1157 1.N) (A/F.5660 9.79544 0.483 11.00993 0.i.205 14.01551 0.05542 0.87866 0.683 13.7048 0.67 132.196 42.96098 0.4166 1.33002 0.03400 0.2081 1.9410 3.01690 0.1268 1.973 28.255 12.05794 0.85282 0.409 32.3345 1.03875 0.86996 0.01587 0.6354 10.88745 0.430 19.07885 0.095 39.02551 0.1010 6.10558 0.77977 0.888 57.4179 4.472 25.03990 0.099 15.02771 0.7613 8.36971 1.00752 0.00587 1.81143 0.77205 0.08885 0.872 39.6517 8.4713 10.327 22.06690 0.990 28.029 0.3685 10.615 20.2857 9.470 32.2572 1.24628 0.95147 0.1961 1.4889 1.0937 1.02100 0.72010 0.98 144.2202 1.626 41.07241 0.526 30.785 36.72730 0.05805 0.13863 0.8534 5.023 22.04805 0.0406 1.20604 0.60804 0.06794 0.04542 0.70591 0.019 23.04112 0.343 .03484 0.04387 0.86135 0.01822 0.9337 4. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.2167 2.627 50.N) (F/A.04245 0.89632 0.811 22.505 26.35 170.9602 3.80340 0.00902 0.00822 0.13069 0.0721 1.7282 7.94205 0.02875 0.0604 5.821 32.91 121.03387 0.2323 8.0100 1.397 12.562 16.75684 0.16255 0.N) (P/F.40839 0.02768 0.660 48.49831 0.02373 0.07212 0.N) (P/A.02046 0.563 11.04707 0.78757 0.756 14.9020 4.qxd 02/18/2005 4:29 PM Page 497 Compound Interest Factors for Discrete Compounding.09645 0.99010 0.2697 1.9005 5.02573 0.4478 3.5648 1.1495 1.

02664 0.3605 9.529 30.00000 0.01357 0.07972 0.82403 0.51128 0.4084 1.24307 0.N) (F/A.6431 8.81185 0.268 34.92826 0.01039 0.04325 0.4328 9.44093 0.87459 0.0934 1.6972 6.59387 0.481 35.289 25.225 28.09168 0.97066 0.99007 1.98522 1.91454 0.05587 0.98522 0.13656 0.634 30.5631 1.531 12.07024 0.0150 1.36 136.00482 0.093 26.9405 3.331 20.5172 1.124 24.0997 8.i.163 31.0909 5.04881 0.099 12.13358 0.3876 1.0457 1.03776 0.04588 0.00589 0.3772 4.376 24.3230 8.155 44.539 39.0614 1. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.071 10.068 22.0546 3.4859 8.03492 0.04532 0.49628 0.0150 3.621 19.842 46.236 14.35268 0.03673 0.908 11.131 14.37993 0.656 15.01183 0.2502 1.3227 5.543 13.073 15.380 41.399 22.030 20.02364 0.514 32.02778 0.102 40.426 17.343 14.05577 0.688 42.09929 0.02032 0.6590 1.73150 0.02539 0.665 12.4948 1.00817 0.04057 0.2318 1.17553 0.03326 0.02230 0.00919 0.05370 0.1098 1.9559 2.95632 0.69954 0.5865 1.62099 0.07494 0.86167 0.407 47.2690 1.5450 3.488 17.720 21.4566 2.1265 1.60277 0.450 16.3270 1.4295 1.987 34.1956 1.N) (A/F.02900 0.28209 0.999 37.727 23.428 23.797 23.61 228.71 169.03693 0.00730 0.34338 0.063 31.01937 0.3073 1.732 12.6345 1.09343 0.97 152.908 15.10461 0.210 50.04673 0.03343 0.6320 2.03032 0.26185 0.268 63.3469 1.169 17.02089 0.25944 0.1141 4.79985 0.0150 0.237 15.55126 0.5982 7.72069 0.67902 0.66899 0.530 .9542 2.64936 0.03958 0.80 1.05208 0.462 51.740 36.5593 10.83639 0.qxd 498 02/18/2005 4:29 PM Page 498 APPENDIX A i  1.11858 0.03870 0.i.7917 6.0773 1.4219 3.879 26.1605 1.51171 0.1839 7.703 11.000 37.63976 0.01982 0.16053 0.1052 2.07077 0.1779 1.0000 0.78803 0.0452 4.076 29.7223 7.9702 2.06708 0.04826 0.07668 0.80 122.8355 3.05825 0.528 19.02683 0.40930 0.041 14.i.01843 0.1523 6.932 19.N) (A/G.267 25.682 17.2296 7.8189 4.916 32.71004 0.i.88771 0.47500 0.838 27.03072 0.201 20.4550 9.14_fraser_appA.4509 1.683 84.05173 0.3671 1.30389 0.2136 1.03173 0.77639 0.0000 2.06381 0.15156 0.68921 0.9018 10.9122 3.01572 0.788 11.900 18.61182 0.299 43.2907 3.02276 0.5% Discrete Compounding.63031 0.646 25.742 33.215 108.863 13.i.11961 0.8140 1.00532 0.02193 0.4814 1.471 25.530 96.933 45.19409 0.06472 0.N) (P/F.10843 0.74247 0.592 54.5400 1.00437 1.338 43.489 21.02557 0.346 10.4727 1.02317 0.02419 0.625 0.24444 0.08429 0.228 11.8512 5.6103 1.7826 5.20909 0.507 21.84893 0.861 49.02155 0.388 13.00655 0.1434 1.22563 1.90103 0.03864 0.673 16.839 28.2679 2.482 27.5539 9.65910 0.2222 10.76491 0.05994 0.i.0302 1.6839 1.02458 0.93 207.67 187.016 24.4432 2.N) (P/A.08524 0.961 13.94218 0.i.0057 9.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 1.160 37.49628 0.04087 0.04400 0.04164 0.271 39.8544 4.552 35.9008 4.N) (A/P.04992 0.75361 0.813 14.32738 0.2880 1.32838 0.4320 0.02857 0.06088 0.04278 0.614 73.2582 6.

804 12.34675 0.49505 0.974 17.14_fraser_appA.426 13.00877 0.8476 1.27605 0.3459 1.qxd 02/18/2005 4:29 PM Page 499 Compound Interest Factors for Discrete Compounding.7069 1.15853 0.3195 1.09133 0.00667 0.396 22.02699 0.10252 0.292 18.13 149.112 48.82035 0.02667 0.121 20.217 14.841 24.6084 1.i.02970 0.63416 0.04465 0.950 12.299 28.20511 0.680 15.098 0.13803 1.2810 3.424 33.197 37.15240 0.579 98.03287 0.79 193.70016 0.12252 0.94232 0.034 49.05365 0.83676 0.996 16.04169 0.71416 0.412 22.412 14.06116 0.587 42.2080 2.06378 0.03467 0.2936 1.55207 0.08218 0.215 26.3255 8.05783 0.823 14.711 41.98680 1.64684 0.0200 0.344 37.6734 1.012 21.03656 0.292 14.011 17.5617 7.02763 0.2434 1.45289 0.04000 0.914 19.568 42.00360 0.4423 2.02405 0.6225 3.578 14.98039 0.03122 0.8433 9.80426 0.04116 0.2760 9.696 25.04670 0.18577 0.587 114.227 46.00763 0.26262 0.03014 0.58586 0.04578 0.37153 0.04261 0.844 22.8681 4.08812 0.7546 10.9740 11.08 312. Discrete Cash Flows i  2% 499 Discrete Compounding.575 11.05122 0.1262 1.04829 0.02000 0.9604 2.52023 0.9826 9.03878 0.9996 4.6406 1.4073 8.6916 2.03663 0.02261 0.59758 0.893 84.106 12.05467 0.08260 0.025 13.4568 1.04970 0.i.1041 1.56311 0.10218 0.53063 0.7231 6.07456 0.05663 0.07365 0.11133 0.671 35.608 14.1622 8.4002 1.2642 5.90573 0.00516 0.03391 0.0000 2.06260 0.4379 2.849 13.663 28.3728 1.14 247.379 44.N) (F/A.02456 0.30478 0.442 22.06812 0.9208 3.357 30.621 13.06997 0.02320 0.65978 0.9999 2.57437 0.04360 0.96117 0.19216 0.355 29.98039 1.78849 0.7410 1.678 16.919 33.351 17.02586 0.51505 0.25003 0.051 38.02516 0.994 60.380 43.7135 5.11651 0.281 21.0200 1.658 18.01014 0.0612 1.04699 0.0604 4.01391 0.5157 1.1487 1.0404 1.N) (A/F.761 36.4752 1.01656 0.3829 5.01182 0.15451 0.24262 0.1717 1.523 20.1951 1.175 34.0200 3.6309 7.0824 1.499 24.00586 0.1786 6.00000 0.2190 1.707 21.41020 0.499 38.297 25.06670 0.5830 9.60953 0.2446 0.8021 5.5460 1.16826 0.09456 0.787 10.67297 0.1320 10.639 20.030 33.9431 6. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.17853 0.4859 1.938 23.02829 0.5550 10.1216 5.9607 1.00456 0.606 31.043 29.02578 0.5256 7.8839 3.02465 0.21216 0.22646 0.293 18.745 40.169 13.793 32.85349 0.490 31.02360 0.4158 4.8077 4.3367 4.03182 0.i.8845 1.9717 3.348 12.3961 3.3081 7.4343 8.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 1.87056 0.i.51003 0.792 40.0799 7.i.N) (P/F.992 15.05878 0.74301 0.9222 1.49505 0.106 23.468 23.422 32.04082 0.i.32675 0.77303 0.07783 0.33650 0.54125 0.i.889 18.8114 1.13651 0.98 170.7758 1.77 219.02082 0.989 24.75788 0.00405 0.72845 0.703 20.50003 0.783 27.8754 5.5769 1.9416 2.04378 0.92385 0.05287 0.986 .2040 6.999 27.845 30.4720 7.02169 0.2682 1.68643 0.N) (A/P.16 278.0000 0.6014 6.402 71.05 131.9681 8.7050 10.677 39.214 12.04997 0.N) (P/A.N) (A/G.02877 0.62172 0.02360 0.391 11.13451 0.23 1.00320 1.88797 0.4282 1.

08723 0.35353 0.47761 0.5302 9.05905 0.426 36.8819 3.201 30.323 31.0821 5.0000 0.14_fraser_appA.132 21.05102 0.04961 0.00434 0.57029 0.86261 0.06981 0.600 20.7319 2.835 26.80 136.N) (F/A.599 20.3048 1.226 11.02594 0.4138 2.27 607.0609 1.36 377.002 31.06487 0.575 50.04326 0.593 11.078 57.157 21.8061 1.1789 10.42435 0.06993 0.N) (A/F.453 29.444 16.413 17.62317 0.37703 0.0909 4.00367 0.9736 2.00735 0.937 16.5229 8.5751 2.017 13.03887 0.98030 1.04816 0.01732 0.2299 1.10046 0.05 194.10808 0.296 11.06403 0.i.05594 0.07808 0.14641 0.9178 9.123 29.76642 0.762 23.956 12.635 11.03735 0.462 75.04905 0.09403 0.730 60.766 21.808 14.03515 0.05211 0.63 321.6625 8.15460 0.163 25.3450 3.16973 0.2303 7.477 10.07 163.8742 7.86 443.503 55.N) 0.09843 0.06081 0.05329 0.00311 0.05000 0.52261 0.00000 0.754 14.07271 0.12630 0.0938 2.30656 0.362 13.12843 0.qxd 500 02/18/2005 4:29 PM Page 500 APPENDIX A i  3% Discrete Compounding.04271 0.702 14. Discrete Cash Flows SINGLE PAYMENT N 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100 UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor (F/P.764 19.59 272.166 13.03193 0.00515 0.453 34.32353 0.05203 1.3091 6.74409 0.035 25.03165 0.4685 1.8923 10.7049 5.0300 1.415 15.N) (P/F.11246 0.115 24.00226 0.1485 5.1593 1.300 16.219 .6528 1.05853 0.1566 2.938 12.45019 0.18460 0.i.03487 0.03311 0.631 31.N) (P/A.1836 5.7024 1.01326 0.13051 0.324 14.46369 0.159 11.4258 1.5126 1.72242 0.0927 1.676 30.66112 0.720 112.03226 0.877 15.08853 0.9161 1.16051 0.519 25.22811 0.578 19.8032 4.3186 9.49261 0.4273 2.9135 2.39999 0.64186 0.02000 0.70138 0.401 92.03722 0.567 27.156 18.0000 2.03613 0.8286 3.81309 0.8139 3.i.000 20.459 38.0197 7.553 40.26444 0.710 42.414 25.03081 0.464 12.i.97087 0.730 26.35538 0.0300 3.219 47.618 17.00193 0.06032 0.7816 4.9540 10.01654 0.08107 0.00613 0.i.774 27.04079 0.676 28.336 14.931 45.83748 0.870 28.327 18.N) (A/P.003 52.9409 2.04732 0.09398 0.07595 0.03981 0.4684 7.117 26.91514 0.03367 0.8603 1.2565 4.2936 7.2879 2.04654 0.49193 0.188 19.7093 10.06275 0.037 15.78941 0.38834 0.23903 0.43708 0.668 13.33 230.5797 5.03275 0.02211 0.18835 0.02743 0.41199 0.N) (A/G.0300 0.537 32.3439 1.2213 2.60502 0.02905 0.05377 0.02329 0.05456 0.07961 0.853 11.067 22.06722 0.095 10.877 18.2620 3.21835 0.8300 7.561 13.03265 0.5580 1.02102 0.08377 0.192 15.03434 0.01905 0.11723 0.860 21.50669 0.19677 0.0210 6.9231 9.936 17.389 20.14246 0.5872 6.88849 0.29 1.8916 6.3566 2.7535 1.04595 0.650 17.01079 0.314 12.3839 5.53755 0.68095 0.35 519.1255 1.215 24.58739 0.702 30.487 23.3842 1.49261 0.844 1.086 18.i.01816 0.4500 6.184 23.1941 1.02456 0.94260 0.599 0.36604 0.97087 1.52189 0.7861 8.0328 2.05743 0.558 19.10895 0.00265 0.4172 6.00887 0.641 12.07046 0.00165 1.55368 0.i.7171 4.1179 8.2668 1.4631 1.5001 2.6047 1.235 27.2526 9.7081 8.26903 0.6523 2.

N) (P/F.29 448.08582 0.04220 0.026 16.19076 0.7751 3.937 12.664 10.2721 6.34682 0.1773 4.331 10.N) (A/P.109 22.02409 0.05278 0.799 15.618 39.04081 0.4647 2.01783 0.044 34.06920 0.i.1068 2.7391 4.82193 0.4510 1.9461 4.07899 0.05052 0.4518 5.00148 0.11415 0.53020 0.88900 0.6330 7.166 12.N) (F/A.03899 0.8861 2.N) (P/A.590 14.97 364.03614 0.33348 0.4233 1.398 24.520 12.12329 0.8983 9.01431 0.563 11.6 1.09 827.857 15.03358 0.N) 0.07128 0.874 18.51337 0.1067 8.00523 0.9479 2.793 20.04181 0.5395 1.i.99 294.02001 0.652 95.00655 0.3731 3.02920 0.7943 3.991 11.96154 1.2465 5.64958 0.2167 1.0656 7.652 12.134 13.697 19.6010 1.655 22.14071 0.32035 0.01686 0.8412 7.i.372 21.812 17.8009 1.05467 0.267 24.1249 1.395 23.9216 2.60057 0.09506 0.28506 0.06559 0.024 21.3851 9.477 15.18463 0.04826 0.09449 0.047 23.120 14.622 15.2788 2.627 11.0258 2.083 41. Discrete Cash Flows i  4% Discrete Compounding.8433 3.292 17.22463 0.665 19.588 17.05686 0.39012 0.0400 3.02731 0.05510 0.857 22.968 52.08994 0.505 .540 12.01980 1.2944 3.i.04148 0.4163 6.36035 0.01052 0.06257 0.312 11.1109 8.4530 7.572 18.01888 0.8 1237.050 28.75992 0.1911 2.491 20.3857 2.10655 0.85480 0.720 21.663 16.01595 0.8659 6.43883 0.16661 0.7605 9.10853 0.14853 0.63 551.2091 8.6090 5.73069 0.980 1.08329 0.006 13.148 18.084 49.7725 2.49020 0.6299 4.00826 0.085 59.06124 0.03 152.i.07358 0.247 15.06422 0.06014 0.659 13.03128 0.96154 0.312 47.14_fraser_appA.821 21.N) (A/G.646 44.02401 0.945 23.0021 6.i.23549 0.08220 0.67 191.06001 0.01358 0.119 41.05358 0.11566 0.07415 0.32065 0.2973 9.04655 0.832 13.05595 0.6484 3.10014 0.858 73.825 23.283 22.62460 0.24 676.583 12.00420 0.53391 0.248 36.705 16.680 23.49020 0.451 14.4802 1.9856 10.17120 0.984 17.05431 0.02257 0.02124 0.701 66.13449 0.05783 0.6479 9.04099 0.0000 2.06401 0.1216 4.486 15.5081 3.3686 1.20829 0.6464 10.04338 0.2142 10.8010 5.778 31.7317 1.07813 0.05888 0.00275 0.00339 0.292 20.5779 8.109 24.30832 0.27549 0.0816 1.969 34.N) (A/F.671 29.983 16.9407 9.07614 0.698 25.16 237.37512 0.966 56.9925 10.2653 1.511 50.330 16.qxd 02/18/2005 4:29 PM Page 501 Compound Interest Factors for Discrete Compounding.505 0.98 1012.45639 0.029 14.25342 0.00099 0.03566 0.210 69.49363 0.06731 0.04275 0.92456 0.8730 1.0400 1.36069 0.2434 3.04223 0.9987 3.3699 2.627 18.00121 0.6720 7.411 18.00000 0.00181 0.97386 1.1187 3.55526 0.807 18.241 12.6651 1.04420 0.4353 8.5633 2.12661 0.06655 0.04582 0.7327 7.328 62.6658 2.01510 0.15076 0.04339 0.00081 1.70259 0.04121 0.40573 0.i.79031 0.00223 0.02559 0.915 24.04994 0.0000 0.8834 2.29646 0.57748 0.0343 5. Discrete Cash Flows SINGLE PAYMENT N 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100 501 UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor (F/P.27409 0.645 27.67556 0.3159 1.118 11.026 121.26355 0.8342 8.1699 1.09467 0.196 20.2421 6.42196 0.0400 0.482 22.47464 0.02931 0.4533 5.04523 0.623 23.

375 14.679 23.06328 0.N) (P/F.01605 0.07597 0.07800 0.00626 0.14702 0.01328 0.1078 7.02414 0.24295 0.871 19.6 2040.04227 0.01249 0.31007 0.719 38.43630 0.29530 0.09634 0.7864 6.426 38.01712 0.256 18.08024 0.5730 8.193 16.11130 0.53 756.53032 0.03 131.8266 10.80 588.05367 0.06956 0.23138 0.00000 0.669 58.N) (A/F.113 54.23097 0.505 41.635 18.2445 3.34185 0.9850 11.05626 0.5557 3.7959 1.6758 4.08275 0.00103 0.10472 0.96749 1.0500 3.467 14.752 19.806 19.67684 0.364 15.320 120.50507 0.2140 9.8423 7.06833 0.07950 0.636 18.2533 5.5569 7.70 209.141 15.430 44.31721 0.1 1594.966 16.61391 0.803 16.12282 0.238 11.N) (P/A.01413 0.254 80.01956 0.0757 5.2763 1.7232 3.06605 0.713 19.5238 9.223 15.08720 0.12950 0.25509 0.03870 0.08555 0.9030 8.579 23.411 10.3219 4.8594 2.2034 7.i.372 15.02800 0.15472 0.35894 0.730 103.489 13.8986 10.9025 2.250 13.727 51.23201 0.969 11.633 18.23 1245.5144 4.1576 1.09227 0.067 90.163 13.0032 5.7860 2.761 75.01581 0.5270 2.14205 0.9799 2.03275 0.00080 0.064 85.07247 0.234 .03024 0.26785 0.9253 3.5513 1.0500 1.20987 0.0000 2.00170 0.380 10.05219 0.45811 0.78353 0.0 1.4391 1.37689 0.48780 0.08870 0.3215 5.00367 0.353 18.06505 0.01107 0.343 19.41552 0.06829 0.5380 4.374 17.848 0.7133 6.05478 0.50 0.621 18.599 21.0000 0.5256 6.1025 1.71068 0.833 49.05103 0.82270 0.58468 0.32557 0.0500 0.i.561 63.09069 0.1525 4.3295 5.00038 1.1161 4.19987 0.6533 2.i.840 28.02247 0.01829 0.003 16.159 17. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.0400 8.7103 1.3864 3.39573 0.596 19.02597 0.4775 1.05102 0.19035 0.58 456.207 15.094 14.N) (F/A.066 35.02018 0.36721 0.0789 2.1829 2.3401 1.05038 0.03287 0.N) (A/P.74622 0.95238 0.593 15.1420 9.i.05828 0.161 19.694 10.22036 0.86384 0.06107 0.00049 0.28124 0.00760 1.0715 3.01239 0.122 10.7649 5.3579 2.05283 0.840 30.05063 0.821 13.838 11.71 353.04634 0.2251 3.14_fraser_appA.657 25.403 62.018 18.690 12.00219 0.5160 7.10646 0.4632 7.02575 0.799 14.02095 0.501 11.132 30.684 19.4071 1.17282 0.3936 9.00478 0.917 17.11283 0.18097 0.462 12.0991 4.323 66.qxd 502 02/18/2005 4:29 PM Page 502 APPENDIX A i  5% Discrete Compounding.377 14.299 80.154 17.0973 6.643 14.05080 0.4736 6.606 17.3101 5.05049 0.027 12.7335 3.07039 0.95238 1.00132 0.80 159.898 15.00063 0.5460 4.04195 0.2416 8.53780 0.05132 0.2155 1.4066 2.7 2610.18129 0.8856 1.28201 0.8971 9.9201 4.2920 2.06712 0.502 47.5491 11.8052 3.8019 8.06413 0.485 19.03555 0.274 11.35 272.48780 0.929 19.01505 0.i.48102 0.06283 0.i.3064 8.06249 0.069 19.8633 9.N) (A/G.05354 0.10102 0.085 12.774 18.i.006 12.07414 0.14069 0.00283 0.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 1.9219 5.55684 0.7217 8.539 33.00971 0.01176 0.05170 0.6289 1.65 971.19702 0.90703 0.64461 0.439 70.00828 0.07095 0.05646 0.12039 0.06176 0.757 12.578 14.

01265 0.765 18.8017 7.8527 9.06470 0.3966 2.00000 0.4534 6.929 14.i.06057 0.70496 0.46884 0.55839 0.870 18.66506 0.0000 0.9597 7.290 16.6029 9.103 10.579 16.550 12.06679 0.06032 0.0220 4.18456 0.01100 0.145 59.20737 0.00295 1.882 21.988 44.3838 8.10104 0.89000 0.96118 1.14_fraser_appA.498 15.392 46.802 90.3996 3.057 105.420 24.07100 0.N) (A/F.799 11.03031 0.13791 0.00960 0.00897 0.4185 1.07587 0.28859 0.20336 0.31411 0.58 189.76 212.30 0.058 84.00394 0.2919 4.00188 0.342 10.8334 2.03544 0.13 719.7676 3.55 339.i.211 13.i.3382 1.07265 0.5938 1.00018 1.1952 3.385 16.6895 1.8568 10.07265 0.6133 4.6861 10.1329 2.673 28.01027 0.04296 0.34 394.5494 4.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 1.33051 0.0881 6.02962 0.601 16.05928 0.79209 0.10758 0.3601 7.07823 0.6371 6.62741 0.qxd 02/18/2005 4:29 PM Page 503 Compound Interest Factors for Discrete Compounding.640 79.07027 0.4272 1.06646 0.7435 6.37411 0.09722 0.764 12.17914 0.1236 1.160 15.6928 2.0489 4.48544 0.706 68.791 15.02265 0.27751 0.93 1300.991 16.906 33.09544 0.59190 0.286 13.591 13.17411 0.11914 0.4 1.181 14.6051 7.N) (A/G.i.14619 0.062 16.41727 0.54544 0.816 54.10296 0.00103 0.05296 0. Discrete Cash Flows i  6% 503 Discrete Compounding.4213 4.0000 2.618 0.8223 5.02500 0.18 111.01265 0.371 .6035 3.i.04057 0.6240 6.26180 0.161 16.00077 0.432 12.0600 0.2510 7.01570 0.08128 0.00254 0.74 290.00032 0.996 50.06139 0.2794 6.09236 0.8836 2.189 16.37136 0.04758 0.06344 0.01693 0.158 11.549 16.106 10.3746 5.N) (A/P.07179 0.07358 0.35034 0.00945 0.2071 3.2950 9.03895 0.1910 1.01459 0.16104 0.80 141.903 16.017 11.02128 0.01358 0.368 14.8197 4.7908 1.0122 2.9151 8.08305 0. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.07968 0.14336 0.3304 2.22859 0.042 12.08718 0.228 11.07459 0.341 14.02718 0.2609 2.08702 0.06024 0.213 30.8869 8.00344 0.2098 6.07690 0.046 15.05429 0.00024 0.4651 4.8406 7.796 14.49697 0.14702 0.01179 0.084 14.0256 3.765 13.4184 5.491 13.12679 0.9173 5.8975 11.1 5638.07570 0.5404 2.39365 0.N) (P/A.706 15.1836 4.00706 0.06897 0.289 16.08 967.461 15.09895 0.00139 0.1 4209.00528 0.06254 0.003 13.2166 8.00043 0.44230 0.7951 9.9260 6.48544 0.5036 1.43 154.3938 9.23740 0.0722 9.993 43.16425 0.00470 0.52679 0.06043 0.762 15.5099 8.17740 0.06188 0.i.276 25.11296 0.230 14.456 16.06018 0.303 12.528 73.076 79.8113 5.6 2343.31180 0.783 13.456 15.01690 0.19563 0.29416 0.865 59.94340 0.13587 0.828 11.6730 3.06103 0.06960 0.02305 0.156 63.01968 0.08962 0.06077 0.83962 0.N) (F/A.5635 5.890 97.406 13.24698 0.46 253.477 10.141 13.00057 0.509 16.15496 0.5824 6.760 36.343 104.17 533.2867 7.470 11.8543 3.i.0600 1.08500 0.650 32.972 16.74726 0.2124 4.11928 0.574 10.9753 8.2625 1.1920 5.N) (P/F.94340 1.8983 2.7122 10.23300 0.13011 0.21981 0.015 23.1117 5.03236 0.786 39.0600 3.0 3141.00646 0.9 1746.01823 0.3414 9.359 13.

7304 3.08239 0.4098 2.07044 0.0 1.7632 10.10586 0.12590 0.08581 0.15040 0.4987 7.3289 9.946 81.14_fraser_appA.00022 0.08871 0.0648 5.1072 9.00723 0.i.9 12 382.999 37.22 118.0000 2.00115 1.347 94.550 25.36245 0.N) (A/P.7507 7.9672 2.1406 4.50835 0.978 13.08719 0.1049 2.499 10.840 33.22523 0.26 138.00174 0.67 867.138 10.676 74.88 224.00841 0.71299 0.4399 5.02675 0.N) (P/F.58201 0.1449 1.87344 0.29523 0.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 1.07780 0.01871 0.315 57.31657 0.10243 0.01230 0.263 14.3923 8.16093 0.95493 1.7487 9.7025 5.00501 0.9471 10.00000 0.24151 0.13137 0.00980 0.09229 0.00907 0.11555 0.476 13.75 406.03979 0.1 4478.33873 0.00446 0.22571 0.698 87.1588 3.07011 0.03243 0.7405 5.987 12.01343 0.654 11.00016 0.07841 0.677 14.02041 0.9461 4.3253 9.379 40.00227 0.i.11474 0.1143 7.00011 0.08349 0.0242 7.669 11.948 13.3799 3.5990 7.01581 0.3872 4.06336 0.332 13.N) (P/A.253 14.8650 2.i.061 11.09747 0.07031 0.423 12.8697 4.02439 0.01456 0.8 1614.8074 6.940 14.6058 1.10 618.14056 0.17220 0.6243 3.06678 0.5007 1.1465 3.53 575.322 10.07501 0.6540 10.09439 0.99 159.249 68.132 14.7455 9.25842 0.15349 0.0000 0.01145 0.995 44.7590 2.3893 5.7225 7.015 14.8385 1. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.6123 8.76290 0.3163 7.07980 0.00031 0.1451 8.1 2269.07 110.93 813.196 14.336 10.5152 7.20980 0.00087 0.7182 1.01726 0.i.222 14.00008 1.4026 1.07087 0.865 49.07723 0.09941 0.23 314.8725 8.09366 0.07123 0.2522 2.48309 0.0700 0.07008 0.N) (F/A.754 12.72 0.272 11.457 41.21095 0.606 13.594 10.5517 3.814 13.i.0700 1.64 285.08145 0.854 12.2139 6.137 12.4167 5.4274 5.08343 0.19715 0.00246 0.93458 0.039 14.260 11.52 1146.6488 7.62275 0.07022 0.2149 4.647 12.10723 0.00350 0.38105 0.6165 3.921 13.07062 0.2250 1.0897 6.93 128.48309 0.27651 0.6 6287.059 10.081 14.50 441.7583 6.036 12.6391 8.47509 0.03586 0.3032 2.8773 9.927 14.5785 2.10979 0.00318 0.4110 6.469 11.03395 0.00162 0.38782 0.461 102.10022 0.04761 0.532 12.04434 0.29586 0.3296 4.3577 8.18555 0.16747 0.1002 4.269 0.1369 8.N) (A/F.81630 0.273 113.01719 0.278 12.129 27.9427 8.7153 9.05590 0.177 63.24389 0.i.09041 0.888 30.836 11.110 14.232 13.826 11.13336 0.14238 0.12277 0.7 3189.002 29.07016 0.801 13.00123 0.02941 0.01059 0.409 12.07907 0.784 17.006 53.66634 0.18425 0.160 14.00044 0.7665 5.93458 1.24 199.44401 0.4155 1.07174 0.4304 4.3108 1.00877 0.07246 0.qxd 504 02/18/2005 4:29 PM Page 504 APPENDIX A i  7% Discrete Compounding.55309 0.529 12.09675 0.9781 10.974 21.9713 6.8080 2.00625 0.2 8823.484 80.436 58.01239 0.666 13.13980 0.1533 8.02229 0.1079 9.9522 3.41496 0.08456 0.141 22.0700 3.31105 0.0724 5.04965 0.02420 0.07238 0.N) (A/G.00780 0.08059 0.4466 9.54393 0.07350 0.17389 0.0236 7.i.00062 0.888 20.11434 0.11965 0.5427 9.170 .240 14.816 15.

34046 0.05270 0.455 .07305 0.10963 0.954 87.14903 0.3719 9.6271 9.6036 9.7466 6.08259 0.09642 0.0338 5.676 13.00212 0.7786 8.750 37.03683 0.5061 5.N) (A/G.765 73.04130 0.8713 4.371 10.00174 0.0800 0.00630 0.08008 0.08520 0.1897 9.00045 1.08685 0.14602 0.09983 0.4910 3.9372 3.36770 0.00962 0.5595 8.17046 0.0800 3.08811 0.902 68.19207 0.902 12.21455 0.01498 0.3316 2.13520 0.4693 1.5945 5.5361 7.1722 3.350 11.5182 2.30192 0.637 12.7 12 724.4259 3.08025 0.i.56077 0.9927 4.94874 1.08386 0.258 11.377 12.20 471. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.12130 0.1664 1.2254 8.9 8655.474 12.13632 0.5197 9.9038 8.08012 0.00118 0.12519 0.6 5886.9611 10.00311 0.158 11.416 12.215 27.495 24.N) (A/P.377 12.2940 7.0000 2.01451 0.00012 0.19866 0.i.31524 0.14008 0.8208 9.00144 0.25025 0.8465 2.9402 5.4352 8.461 12.2731 5.9881 8.00259 0.14_fraser_appA.35 134.0 1.1216 9.qxd 02/18/2005 4:29 PM Page 505 Compound Interest Factors for Discrete Compounding.02963 0.920 46.7000 3.00008 0.2464 4.11298 0.4920 6.09401 0.63 172.07889 0.529 10.450 41.00037 0.08630 0.1589 2.7697 7.8509 1.04652 0.06763 0.17032 0.29189 0.4040 1.0369 7.045 11.2 1847.63017 0.412 12.935 11.13270 0.5869 1.04603 0.i.0133 9.08037 0.00000 0.0800 1.108 12.10733 0.5771 3.08883 0.324 33.78 218.92 1253.92593 1.10670 0.N) (P/A.25046 0.00580 0.46319 0.85734 0.785 21.00745 0.3964 7.2064 5.00672 0.266 12.01642 0.08054 0.42888 0.00054 0.482 12.30803 0.3157 4.411 11.977 21.152 30.925 12.8514 9.487 16.i.9990 2.6610 5.08017 0.92593 0.587 11.2442 8.319 12.58349 0.00811 0.0 27 485.9046 6.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 1.01251 0.488 12.08174 0.26 148.01983 0.48077 0.01368 0.5957 4.N) (P/F.28 123.0 18 702.23171 0.50025 0.01803 0.6737 9.21 145.0066 8.21632 0.675 10.08745 0.423 55.2395 4.2469 6.457 60.01145 0.95 158.690 14.i.810 10.7101 7.16008 0.3605 1.10413 0.3412 6.N) (F/A.7196 2.00386 0.17401 0.645 18.00098 0.868 11.97 113.8666 7.08080 0.09498 0.11683 0.9960 4.737 12.6229 5.77 848.063 10.06008 0.7138 1.00025 0.54027 0.5412 7.0985 3.08962 0.08005 0.02413 0.11207 0.02185 0.893 66.15770 0.8715 6.00067 0.18394 0.2597 1.09938 0. Discrete Cash Flows i  8% 505 Discrete Compounding.178 12.03133 0.09145 0.00005 0.38803 0.i.01049 0.68058 0.09803 0.435 11.3173 10.7833 2.09368 0.201 10.725 31.106 79.051 11.00080 0.00457 0.446 45.00988 0.690 11.1 4002.492 12.03298 0.437 12.09049 0.2763 2.79383 0.09202 0.3359 8.655 11.8181 10.3584 9.330 12.1390 7.060 12.32 259.9228 10.51 573.27027 0.494 0.3121 3.2037 6.00883 0.514 11.06903 0.488 14.00017 0.02132 0.10185 0.762 50.08580 0.8 0.351 95.4365 5.08118 0.i.09251 0.22192 0.02670 0.39711 0.8485 7.00685 0.0000 0.73503 0.11591 0.570 11.N) (A/F.233 12.914 101.017 10.1 2199.06 386.6363 8.339 103.95 693.46 1018.8289 9.6937 3.08004 0.48077 0.61 321.2 2720.08008 0.00004 1.12652 0.443 12.9 1497.

765 62.i.01302 0.4177 6.1719 2.361 33.19449 0.172 13.1088 6.08215 0.3 4619.50187 0.6574 3.00006 0.2397 3.N) (P/A.04357 0.3571 8.59627 0.4346 5.01955 0.7862 8.7245 6.962 11.10072 0.3992 10.00000 0.198 10.943 10.021 15.30867 0.09973 0.31 149.567 10.728 20.01590 0.05695 0.N) (A/P.0 1.00101 0.01762 0.084 11.7957 10.0156 8.343 10.09009 0.21867 0.09669 0.8280 1.0 25 939.5804 2.7171 5.01181 0.5313 3.0900 0.994 11.870 10.881 10.2 10 951.8897 4.2950 1.00123 0.91743 1.0330 5.2 7113.09123 0.11597 0.38753 0.09610 0.014 11.03184 0.6425 3.71 337.i.07680 0.N) (A/F.2232 7.02069 0.00734 0.7066 9.055 11.0658 3.72 112.09014 0.07537 0.8 2998.027 10.i.7556 8.0 61 423.06344 0.8182 5.14 136.0512 3.01345 0.2498 2.02705 0.182 18.0607 8.16680 0.41 176.0024 6.8052 7.97 124.13778 0.0900 1.06582 0.01438 0.10639 0.84168 0.085 11.21199 0.85 416.16709 0.29925 0.10762 0.790 84.10590 0.12406 0.04899 0.00018 1.09033 0.03406 0.00003 0.i.09508 0.2579 7.25709 0.4424 9.301 46.430 10.626 10.10181 0.268 14.3083 9.327 74.00240 0.6044 6.09079 0.532 76.00022 0.58 164.048 11.8282 2.N) (F/A.01072 0.018 51.0900 3.3126 8.2004 11.1881 1.4116 1.00568 0.560 20.0 16 855.5731 5.64993 0.3417 3.09464 0.028 13.10438 0.953 26.12030 0.23107 0.00051 0.09003 0.27454 0.4859 5.9 2335.09006 0.09761 0.3925 1.00973 0.6384 7.274 10.3276 4.518 10.409 48.9926 2.42241 0.86 815.5233 9.05820 0.00004 0.i.00610 0.10955 0.00014 0.02421 0.1607 7.6231 9.245 11.00508 0.14695 0.13292 0.i.12843 0.55 1517.5436 8.0 39 917.406 10.06915 0.qxd 506 02/18/2005 4:29 PM Page 506 APPENDIX A i  9% Discrete Compounding.00369 0.00009 0.09734 0.18067 0.5802 9.1510 4.09051 0.2687 6.464 10.N) (A/G.160 10.09067 0.19 986.70843 0.16370 0.462 15.47847 0.77218 0.00043 0.25187 0.19869 0.47847 0.5386 1.56847 0.15018 0.4869 7.3674 2.00874 0.8226 9.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 1.11705 0.88 525.00806 0.193 17.9111 8.09004 0.00296 0.11173 0.116 10.5 3593.7674 7.104 11.108 11.08 1260.13357 0.167 12.1 1944.6657 8.1933 9.1326 5.94262 1.15582 0.0006 7.00156 0.4357 7.019 29.358 114.73 641.5236 6.109 0.2922 9.10302 0.4910 4.00464 0.09022 0.91743 0.03030 0.100 11.030 11.8316 8.22292 0.98 215.141 22.02173 0.00028 0.30505 0.32618 0.14_fraser_appA.768 10.39505 0.i.N) (P/F.160 56.00066 0.093 .4312 3.35553 0.04965 0.6586 7.04 179.094 11.8127 3.09885 0.0000 2.10869 0.7978 4.974 41.763 17.5348 5.0718 9.324 102.0000 0.00002 1.1417 5.073 11.11421 0.17843 0.6771 1.0 0.003 36.09806 0.00669 0.00556 0.13965 0.80 196.09190 0.9703 4. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.00885 0.2781 4.701 93.09296 0.757 10.5154 8.070 11.09556 0.9436 9.54703 0.7591 2.00190 0.873 69.05339 0.9847 7.03 270.9501 9.00033 0.12640 0.9290 10.1285 9.8083 8.00079 0.03843 0.08955 0.09002 0.46043 0.414 31.5 5529.106 11.9952 6.1906 8.

01562 0.15396 0.10008 0.18 121.0045 3.1446 6.5950 5.10 134.90909 0.82645 0.421 15.i.975 31.00328 0.110 14.N) (A/P.3884 4.3667 7.7908 4.11130 0.8071 6.00127 0.2236 2.12782 0.2100 1.863 17.i.0770 9.10541 0.835 11.22961 0.599 51.6186 7.10826 0.i.14864 0.6442 9.56447 0. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.03558 0.4641 1.347 109.3066 9.3310 1.1159 6.10745 0.48 490.11955 0.13513 0.05396 0.6410 6.6988 4.1000 3.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 1.48 271.00745 0.11168 0.16275 0.30211 0.1403 8.10450 0.26333 0.10407 0.4580 7.00407 0.7791 9.3696 9.8137 7.57619 0.10916 0.06304 0.8628 9.13147 0.6149 8.0216 8.00033 0.5493 5.1609 9.47619 0.6487 8.37 789.5599 6.47619 0.10608 0.01746 0.114 23.28966 0.06275 0.6 3034.40211 0.10086 0.7975 4.23939 0.31547 0.10153 0.4872 11.9148 9.12466 0.02782 0.0545 5.890 117.8684 5.17986 0.1436 2.00550 0.159 57.2861 6.3579 2.9410 .01130 0.1699 3.94 201.00008 1.8023 9.2962 8.qxd 02/18/2005 4:29 PM Page 507 Compound Interest Factors for Discrete Compounding.4269 9.14676 0.00450 0.1034 7.545 45.8497 10.6216 3.7716 1.03914 0.00079 1.5704 9.17364 0.03147 0.384 24.0000 0.275 64.46651 0.9543 9.10013 0.93656 1.N) (P/A.8531 3.523 27.4523 3.21 148.12193 0.7715 8.0526 6.04736 0.25 245.6105 1.42410 0.02 442.13575 0.9955 5.04676 0.8237 8.403 79.7156 9.9137 8.0962 9.259 72.0 1.39 189.00204 0.04078 0.00673 0.20541 0.08391 0.00139 0.01017 0.i.10497 0.2789 5.1000 1.00852 0.01401 0.950 40.05210 0.02466 0.02209 0.06 304.i.00086 0.8672 9.7704 7.5136 8.4869 3.08744 0.00826 0. Discrete Cash Flows i  10% 507 Discrete Compounding.00226 0.1000 0.002 71.00916 0.4091 8.11257 0.1772 4.90909 1.11746 0.01372 0.0641 4.N) (A/G.75131 0.9672 9.548 28.225 25.7 7887.9847 9.2014 8.N) (F/A.5937 2.1762 8.00020 0.11017 0.09230 0.16351 0.00529 0.14_fraser_appA.26380 0.7355 2.6086 9.10139 0.5081 6.21547 0.194 21.9921 0.03575 0.18744 0.5 12 709.1051 7.14 222.75 1271.3553 4.10673 0.06934 0.5694 9.12961 0.3812 1.918 13.10226 0.10053 0.1085 7.449 19.102 45.i.51316 0.9189 7.7255 4.10033 0.11562 0.00000 0.00013 0.00053 0.772 35.9 0.00608 0.00497 0.4951 6.7590 6.14078 0.00369 0.0489 8.63 164.16380 0.11401 0.6061 7.7189 6.35049 0.N) (P/F.9471 9.59 718.10020 0.0000 2.8 4893.5152 8.3649 8.9796 9.49 181.90 1163.579 15.38554 0.7075 9.436 13.N) (A/F.2372 9.05731 0.i.8101 2.5264 9.9873 9.531 21.7086 9.3100 4.01257 0.07364 0.19784 0.31863 0.937 18.1384 3.62092 0.4790 9.9113 9.10369 0.02193 0.497 98.3724 3.8832 8.21763 0.4002 8.07628 0.04306 0.3349 5.9 1880.9487 2.2881 7.01955 0.12285 0.543 88.10550 0.3740 9.7275 7.68301 0.

7969 6.02907 0.00699 0.15 102.91 247.580 20.40921 0.00913 0.00502 0.14815 0.56 311.18060 0.5478 8.3794 5.214 91.7122 5.190 44.8293 8.1045 7.29921 0.12558 0.752 38.11874 0.8619 5.13907 0.20900 0.31728 0.08170 0.04403 0.2065 6.13247 0.00542 0.934 11.16057 0.3792 7.00322 1.561 22.00060 0.0574 6.2590 6.00363 0.qxd 508 02/18/2005 4:29 PM Page 508 APPENDIX A i  11% Discrete Compounding.6851 1.05974 0.11699 0.8951 6.00874 0.05980 0.00561 0.0762 2.1100 0.00326 0.11451 0.01558 0.7846 5.65873 0.2443 7.40 199.001 109.00979 0.58393 0.3144 3.3109 5.11174 0.25751 0.9147 8.308 34.N) (A/F.1757 8.11101 0.2321 1.9585 3.11060 0.3481 8.13552 0.7923 2.8 2818.08 159.19432 0.01384 0.01984 0.6544 3.5580 2.35218 0.23199 0.11293 0.15282 0.0000 2.026 12.7125 2.949 9.1594 8.59345 0.1461 5.9633 8.04849 0.43393 0.9788 4.4982 7.02 221.892 25.8005 8.5822 4.9555 7.14_fraser_appA.7016 7.10222 0.12756 0.5370 5.5181 1.8393 7.N) (P/F.3700 1.21233 0.02247 0.1909 7.53 184.53464 0.01231 0.93055 1.4217 8.39092 0.6180 5.265 81.722 19.9135 .2278 7.81162 0.4437 3.939 64.6501 8.095 34.4924 6.0617 0.405 39.6938 8.585 15.03815 0.5488 7.11561 0.5863 2.8210 7.10067 0.N) (A/G.i.203 72.8892 6.82 178.05112 0.23638 0.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 1.03545 0.28584 0.1100 1.11979 0.0000 0.0021 8.7097 6.01756 0.05382 0.84 341.783 11.396 56.00172 0.00101 0.8552 8.212 30.04368 0.0751 8.00035 1.11172 0.00 143.7499 6.8394 3.7331 8.00781 0.00451 0.41 128.624 22.90090 0.1275 5.9511 9.6131 7.32233 0.6283 6.739 18.8439 6.16963 0.2305 4.i.3754 7.03323 0.1024 3.02552 0.09069 0.3676 1.01538 0.06631 0.14323 0.00000 0. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.02592 0.2664 8.2879 4.07060 0.i.i.12384 0.11404 0.02878 0.12231 0.6 1668.6763 8.11781 0.1100 3.164 16.206 31.16980 0.16112 0.2 1.47393 0.4491 6.080 16.08432 0.12984 0.4659 8.239 13.9819 7.i.N) (F/A.03194 0.59 581.3045 2.47393 0.8704 2.2633 8.6959 4.00404 0.N) (P/A.5436 7.73119 0.3421 4.12638 0.90090 1.410 28.575 65.83 986.9129 9.3104 4.01097 0.11502 0.11326 0.0079 9.21222 0.03935 0.48166 0.8185 8.18829 0.12403 0.13768 0.53 306.i.0417 9.7206 7.00626 0.8833 4.1976 2.11626 0.7686 8.15403 0.11035 0.4881 8.0623 8.0836 8.i.00293 0.4985 3.713 26.07361 0.11363 0.501 50.N) (A/P.27057 0.859 14.32 275.6016 8.1518 3.12097 0.17 114.00 0.

70 214.50663 0.00524 0.3811 7.03087 0.1152 10.29 304.8375 6.750 29.1098 7.6427 5.56743 0.1304 6.8660 7.00328 0.9740 7.32 0.1114 4.12323 0.43 384.47170 0.1566 8.1720 2.14564 0.1200 3.14682 0.8109 6.N) (A/F.71178 0.00074 0.66 767.3528 8.5010 6.20130 0.052 81.29635 0.179 17.4736 6.08130 0.13004 0.0373 3.10367 0.01794 0.05698 0.133 28.32197 0.12369 0.776 17.85 342.05882 0.0000 0.6048 4.25668 0.15568 0.0 1.01081 0.12328 0.89286 1.4018 3.7184 7.14_fraser_appA.12846 0.8431 7.02046 0.029 32.N) (A/G.13224 0.4760 2.6901 2.0218 8.41635 0.100 13.8871 5.2147 5.i.qxd 02/18/2005 4:29 PM Page 509 Compound Interest Factors for Discrete Compounding.0552 8.2974 7.7843 7.i.09912 0.02339 0.18768 0.040 21.12292 0.000 19.4235 6.33 150.21912 0.11611 0.04144 0.0572 8.8960 4.5620 7.0202 6.1196 7.47170 0.i.8953 4.52 431.6900 8.3635 4.02682 0.00000 0.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 1.12042 0.15087 0.01224 0.8988 8.884 26.440 72.00846 0.N) (F/A.655 24.9676 5.7746 2.12524 0.2071 7.22917 0.13388 0.4694 7.79719 0.17698 0.15741 0.12260 0.02376 0.01388 0.3514 6.3045 8.051 163.1897 4.00956 0.24323 0.33 271.325 23.552 15.59170 0.12414 0.16 133.6128 9.750 63.N) (P/A.3282 5.N) (P/F.0049 7.14339 0.2825 8.2107 2.00232 0.03738 0.2438 8.2251 .3170 0.6282 6.555 37.16312 0.14046 0.12074 0.04689 0.13081 0.092 47.00466 0.0850 8.7708 6.i.00414 0.4785 3.00610 0.9803 5.18270 0.00590 0.12024 0.16842 0.699 92.5302 7.503 104.08264 0.58 241.02661 0.02980 0.03338 0.13576 0.12750 0.00292 0.45235 0.2544 1.6577 7.280 42.12590 0.20462 0.1597 8.1944 6.8921 7.1354 8.00042 0.00 509.6463 10.7731 3.884 55.7793 6.4049 1.40388 0.143 52.0000 2.89286 0. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.04187 0.20923 0.2574 3.5735 1.9844 8.00750 0.33 169.4586 7.0 4236.800 93.5847 3.960 33.1200 0.16144 0.393 37.089 12.00369 0.92461 1.13794 0.7317 4.60 118.9738 2.5638 4.5965 7.7623 1.27741 0.3744 4.00024 1.753 48.9426 7.9131 3.2 2400.300 14.36061 0.N) (A/P.99 289.582 42.37 190.1913 6.01894 0.00130 0.3589 1.1200 1. Discrete Cash Flows i  12% 509 Discrete Compounding.00346 0.32923 0.i.12130 0.4683 4.12665 0.28748 0.i.549 20.07379 0.00665 0.6502 5.1755 8.1058 3.63552 0.6406 6.9377 6.00196 1.12956 0.06588 0.03568 0.i.09 1358.5515 2.02121 0.6446 7.04842 0.01576 0.09256 0.2497 7.8957 7.4353 5.3658 7.05252 0.12466 0.1116 8.01075 0.06768 0.12232 0.804 12.00260 0.

4262 5.2297 7.16899 0.07839 0.04584 0.1695 7.00832 0.01388 0.69305 0.4803 8.64 450.58 293.13565 0.00731 0.650 29.N) (P/F.00439 0.6039 6.00387 0.13731 0.6681 2.3479 1.4566 6.22611 0.03689 0.33288 0.33619 0.440 63.714 16.01081 0.3888 7.739 61.78315 0.6265 5.0040 3.13029 0.13832 0.N) (F/A.00016 1.45 0.8498 6.470 105.4624 6.09611 0.01413 0.4 1.3431 6.N) (P/A.90 546.08678 0.01861 0.42506 0.02002 0.8399 6.00565 0.32 376.19487 0.814 25.20 136.00207 0.00234 0.95 258.i.985 34.13266 0.8296 6.3526 2.5183 7.3946 3.5162 3.5076 7.0971 7.12522 0.14_fraser_appA.00341 0.i.13053 0.03264 0.11081 0.13341 0.3612 2.14081 0.947 56.1317 5.48032 0.749 80.7571 2.0243 10.1507 7.12015 0.25015 0.78 244.777 72.883 40.9454 6.i.9052 6.06487 0.42352 0.116 44.05429 0.01620 0.02474 0.00948 0.00753 0.62 176.201 49.qxd 510 02/18/2005 4:29 PM Page 510 APPENDIX A i  13% Discrete Compounding.83 155.09806 0.15143 0.37616 0.20619 0.5560 7.6260 .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 1.021 14.23071 0.0820 2.00053 0.00643 0.6584 3.14150 0.29352 0.109 30.46948 0.0000 2.68 1013.5856 7.00099 0.13099 0.9747 7.947 92.197 11.0248 7.5717 7.i.757 15.02867 0.5172 3.6344 7.00120 1.523 13.9176 6.4701 7.1016 7.8424 2.1300 0.i.14413 0.4069 4.13234 0.00266 0.06796 0.46 482.18429 0.3227 10.49 120.02557 0.i.4412 7.8980 5.0673 7.84 227.5 6380.15867 0.13498 0.26070 0.416 18.04710 0.3300 7.20416 0.74 830.1300 1.231 23.29459 0.14861 0.9861 9.725 70.02889 0.00222 0.14620 0.616 39.85 200.00000 0.6050 4.15989 0.2769 1.7291 6.N) (A/P.9380 7.02143 0.i.8359 4.07680 0.01235 0.05323 0.0000 0.3025 6.13301 0.633 34.788 21.61332 0.2589 5.4226 4.7474 6.6582 6.9975 4.1218 6.7917 5.2829 7.18068 0.5614 6.6752 7.13439 0.1998 7.991 27.03899 0.4957 7.54276 0.069 132.88496 1.91872 1.5348 6.4491 5.2543 7.59948 0.6830 0.2014 3.2205 6.672 53.03335 0.0881 6. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.13948 0.1468 2.3717 7.5171 2.00498 0.6305 1.4086 7.13387 0.0385 7.52 426.5811 7.405 12.N) (A/F.04168 0.8375 5.8134 4.88496 0.20839 0.00301 0.5383 7.6609 7.00409 0.16335 0.2 3459.06014 0.3345 4.7988 5.13183 0.7 1874.46948 0.9745 3.13643 0.20 332.17584 0.01772 0.627 18.15474 0.15431 0.1300 3.420 21.14235 0.8685 3.02262 0.0936 4.3573 4.0552 5.417 46.6869 5.00029 0.13016 0.01568 0.N) (A/G.00183 0.28431 0.13207 0.4429 1.

4674 6.14010 0.6 4994.100 188.qxd 02/18/2005 4:29 PM Page 511 Compound Interest Factors for Discrete Compounding.14_fraser_appA.01099 0.00630 0.0350 7.5 9623.17667 0.17116 0.7111 5.46729 0.50 272.2765 10.2630 5.9300 7.4100 6.23 1348.00215 0.0 2590.14320 0.N) (A/P.04339 0.8729 6.9549 6.00074 1.1 1.09 356.6231 6.5504 6.i.23662 0.00480 0.4490 3.34320 0.00830 0.12289 0.00320 0.980 59.00280 0.03116 0.7333 3.4243 5.118 68.87719 0.06217 0.25716 0.33 238.6467 2.394 78.i.3729 6.09319 0.969 91.693 50.4331 3.045 27.07276 0.67497 0.23319 0.7431 6.30 158.01325 0.14188 0.20217 0.14723 0.14144 0.15971 0.57 1342.2519 3.6522 6.14830 0.79 407.6998 6.14280 0.15099 0.8887 4.9830 7.7399 2.0714 7.8424 6.0027 7.1422 6.6890 1.60729 0.07557 0.03315 0.i.6870 6.15266 0.20756 0.01266 0.1400 0.1050 7.2514 6.212 26.00954 0.3342 6.581 43.14550 0.2491 4.2613 7.5423 6.233 16.950 58.14630 0.02237 0.59208 0.14165 0.668 17.0021 6.i.8179 5.3370 1.00039 0.4815 1.88 363.03779 0.053 98.21557 0.1232 7.01963 0.390 39.4527 5.01692 0.01162 0.08295 0.i.01722 0.1372 9.3216 2.30751 0.15692 0.2 0.00165 0.204 44.9061 6.00529 0.01962 0.1463 3.18207 0.861 20.N) (A/F.00550 0.00143 0.91290 1.575 12.089 37.14039 0.7824 6. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.462 30.1610 6.14954 0.44 138.16281 0.7921 6.6389 4.11716 0.00075 0.0482 7.085 19.1376 0.7072 4.8351 6.4832 2.52 693.04308 0.1327 7.2996 1.9211 6.2262 4.00010 1.14245 0.8381 5.00275 0.20320 0.5998 6.43073 0.02551 0.4396 4.6990 4.4924 6.i.02661 0.9998 4.04911 0.6603 5.82 532.02908 0.215 75.1400 3.19171 0.6101 8.87719 1.9352 6.9011 5.083 66.09456 0.0000 2.14010 0.15128 0.0188 7.2161 5.14215 0.9607 6.39964 0.4819 4.66 181.00144 0.N) (A/G.76947 0.14020 0.74 465.15462 0.0624 6.00020 0.1218 2.14480 0.167 34.025 104.05599 0.00366 0.01019 0.1379 8.26974 0.N) (F/A.77 120.0599 7.00245 0.842 50.05171 0.02281 0.271 32.29073 0.743 15.5023 2.7429 6.29128 0.14075 0.00188 0.35056 0.730 13.2883 4.06383 0.45559 0.01510 0.10780 0.51937 0.5734 5.04 607.03667 0.0199 7.00000 0.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 1.14366 0.056 13.01462 0.00723 0.0000 0.362 23.00419 0.4791 6.1400 1.8526 3.9137 3.N) (P/A.485 86.337 23.5355 10.9464 5.i.0700 7.89 312.68 700.87 208.8246 3.0888 5.1020 .16661 0.9254 2.14419 0.N) (P/F.2651 6.1950 2.15962 0.18339 0.46729 0. Discrete Cash Flows i  14% 511 Discrete Compounding.

0456 4.20027 0.00150 0.02102 0.01537 0.00265 0.0000 0.15976 0.17 1779.002 34.01737 0.00407 0.4641 6.07285 0.00173 0.10 664.7845 4.857 43.5905 6.44 118.00864 0.565 100.01997 0.15407 0.N) (F/A.6549 3.9934 6.05957 0.4725 4.5209 1.2066 6.00470 0.9082 4.6010 5.5650 4.70 115.1438 4.3503 6.1500 0.15200 0.4883 5.63 159.77 1083.6600 3.5660 6.20957 0.7716 5.786 20.919 37.00046 1.24036 0.0843 5.0757 8.01142 0.1541 6.10 377.1371 9.4206 5.96 577.1528 7.761 12.15113 0.07027 0.367 18.15007 0.08081 0.81 137.N) (A/G.3263 1.4498 2.0972 2.505 47.7 2179.57 327.15173 0.15470 0.6257 2.61512 0.04620 0.16253 0.067 13.0960 6.3225 1.00993 0.10686 0.5831 5.6605 6.01313 0.3576 10.3131 2.28 184.14_fraser_appA.11424 0.7979 5.16795 0.727 16.i.01795 0.645 24.00628 0.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 1.15306 0.00028 0.822 21.4338 6.86957 1.066 57.N) (A/P.26424 0.3651 5.6414 .7245 5.375 14.00131 0.15727 0.212 102.15543 0.3587 6.28798 0.57175 0.i.i.144 87.29832 0.37 881.14133 0.00373 0.15056 0.71 283.2970 6.1982 6.00200 0.16134 0.28426 0.17 434.15150 0.0 1.349 29.580 55.01319 0.00976 0.00056 0.67 765.00543 0.1604 4.i.232 16.575 66.00751 0.12289 0.03493 0.1280 6.65752 0.00842 0.6 0.7537 11.2832 2.2337 5.01134 0.00000 0.3832 3.7490 2.075 75.37594 0.qxd 512 02/18/2005 4:29 PM Page 512 APPENDIX A i  15% Discrete Compounding.00113 0.00007 1.9542 6.N) (P/F.7424 8.06110 0.02297 0.9612 6.86957 0.0000 2.6543 6.0114 2.15028 0.5135 6.6205 6.3988 6.15628 0. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.3125 6.1500 1.16319 0.7522 4.891 28.6005 6.6524 5.5335 6.43233 0.00092 0.49718 0.535 50.8550 3.86 538.15230 0.304 24.03038 0.19107 0.24718 0.0472 6.43798 0.00186 0.01510 0.3357 6.14832 0.0188 5.17911 0.3705 6.5791 6.03448 0.7813 3.5168 6.5179 4.75614 0.1 7217.4019 6.N) (A/F.02642 0.3624 4.717 65.15353 0.21494 0.35027 0.16537 0.18 267.2541 6.6636 0.19925 0.2307 5.46512 0.75 500.05313 0.32690 0.02911 0.22285 0.0319 6.04925 0.00306 0.7228 2.3522 3.02469 0.15265 0.1 3585.79 245.00353 0.352 40.0922 3.80 133.N) (P/A.90713 1.00727 0.5830 6.04017 0.2593 6.6418 6.46512 0.15014 0.09036 0.i.8474 5.5509 6.836 88.9251 5.6091 6.04107 0.15131 0.7040 5.0590 3.17 212.4873 4.i.17102 0.6166 6.1500 3.18448 0.7 14 524.09293 0.625 32.15842 0.i.00230 0.212 76.18691 0.8834 5.00014 0.4906 6.17469 0.

9476 4.20049 0.23852 0.005 55.4301 8.4392 4.8372 4.00421 0.20085 0.9588 4.20176 0.0000 2.00351 0.00944 0.1 2948.07 1181.24 392.48 137.69444 0.11216 0.8364 3.00070 0.196 72.00034 1.20122 0.40188 0.8435 4.00049 0.6106 4.00444 0.338 46.21689 0.84 197.8913 4.1598 6.33490 0.01388 0.N) (P/A.20646 0.9878 4.9636 4.02526 0.03110 0.3271 4.9 2456.20781 0.1917 7.07789 0.i.07742 0.47473 0.497 95.9245 4.83333 0.57870 0.98 567.02174 0.00244 0.20034 0.6943 4.20059 0.22062 0.5941 4.00646 0.03130 0.00536 0.20147 0.00059 0.06061 0.13459 0.9371 4.6475 4.0000 0.2975 4.87912 1.33438 0.20444 0.9747 4.5278 2.26061 0.206 66.8175 3.396 114.03 271.2000 0.7280 2.6400 5.81 237.7352 4.05409 0.10071 0.20070 0.i.24808 0.3255 3.04808 0.00102 0.9915 0.85 341.00506 0.00000 0.22 590.04507 0.9898 4.20369 0.2902 2.00203 0.27473 0.38 681.150 39.03756 0.N) (A/G.3 1.8731 4.4400 1.4841 3.9406 .82 410.247 79.5756 2.27908 0.00176 0.7296 4.00874 0.23110 0.30071 0.21144 0.27742 0.8020 4.3 1704.2893 3.5334 4.01811 0.6755 4.01258 0.4643 4.01689 0.9697 4.02062 0.01144 0.035 87.488 22.00212 0.839 15.186 26.9194 4.9789 4.45455 0.00607 0.6405 1.3861 4.83333 1.8696 4.499 20.20255 0.407 18.i.5887 2.9299 12.0851 4.20536 0.09346 0.19 492.0310 4.5832 4.20041 0.18629 0.22 984. Discrete Cash Flows i  20% 513 Discrete Compounding.9 1419.9854 4. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.6046 3.13438 0.00369 0.9161 10.20307 0.N) (P/F.38629 0.699 12.20102 0.45455 0.12 154.2998 5.69 225.8291 4.01048 0.i.623 31.N) (A/F.00307 0.03 326.23257 0.20212 0.7746 4.01509 0.00122 0.16151 0.959 32.1925 4.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 1.9788 2.02608 0.65455 0.9308 4.9061 4.581 48.9824 4.00781 0.799 25.qxd 02/18/2005 4:29 PM Page 513 Compound Interest Factors for Discrete Compounding.2000 3.3680 7.48 471.48225 0.00255 0.19381 0.2742 1.i.8527 4.948 38.0739 3.00041 0.7709 4.1976 4.2000 1.00169 1.8122 4.9906 3.9860 3.916 16.37 164.03852 0.00147 0.21388 0.4416 9.93 128.0736 2.N) (A/P.1 2045.9094 4.4883 2.20944 0.14_fraser_appA.497 59.38 284.5327 4.442 105.74 186.22526 0.6597 3.i.85 819.00085 0.67 0.00728 0.i.00293 0.9563 4.8908 4.N) (F/A.1065 2.06491 0.

3559 3.0 5044.25020 0.9663 3.80000 0.9923 3.00010 1.25292 0.64000 0.25076 0.6893 2.073 19.00459 0.26845 0.25912 0.5625 1.9950 3.511 69.01441 0.1145 3.06872 0.03 1054.7684 5.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 1.00912 0.25576 0.25459 0.409 55.3872 2.2 0.25233 0.0000 2.9424 3.00155 0.259 15.i.7222 3.25025 0.4631 3.10737 0.00366 0.0518 3.2 2465.00079 0.00724 0.03876 0.8874 3.8125 5.5 1650.9764 3.9975 3.04398 0.N) (P/A.253 42.6084 3.9551 3.2437 3.69444 0.3616 2.04 273.00472 0.N) (A/P.9 3227.11 173.9968 3.8 1.389 86.i.i.6 9856.842 25.736 108.642 14.25724 0.00292 0.4530 3.8861 3.32768 0.00738 0.9858 .14_fraser_appA.4414 3.9849 3.94 429.9514 3.5631 1.9746 3.9811 3.25061 0.8147 4.9791 3.80000 1.01845 0.9693 3.0000 0.25148 0.4506 9.76 264.00031 0.53 169.qxd 514 02/18/2005 4:29 PM Page 514 APPENDIX A i  25% Discrete Compounding.06634 0.6048 2.25048 0.737 28.2249 1.00186 0.552 18.i.9531 2.28007 0.01801 0.25013 0.7667 3.6698 3.0 2580.527 44.8683 2.N) (A/G.9705 3.00302 0.9 7884.08882 0.2 1577.00148 0.208 68.00020 0.i.42344 0.01150 0.1424 2.566 54.00013 0.2500 1.4 2064.8241 3.i.7801 3.41 211.51230 0.00039 0.8 1319.17344 0.79 1009.760 86.3289 3.9346 3.9631 3.00576 0.59 516.3132 11.02815 0.26454 0.10 673.2500 3.69 138.25095 0.00095 0.87 413.63 843.26150 0.9879 3. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.7 6306.2 4035.7251 3.51200 0.9828 3.i.8634 3.25039 0.9099 3.9279 3.00124 0.9052 3.9960 3.56 342.03518 0.33882 0.64 218.26214 0.05498 0.05040 0.03007 0.00016 0.00233 0.44444 0.9605 7.27349 0.26230 0.30040 0.00922 0.31634 0.25010 0.7 1972.00063 0.5366 3.00000 0.9520 2.9903 3.4400 1.2500 0.25016 0.00041 1.13422 0.37185 0.00025 0.5705 3.7656 8.N) (A/F.25366 0.9980 3.00051 0.N) (P/F.25031 0.9628 3.9212 3.25119 0.00193 0.6564 3.422 35.9539 3.00061 0.00378 0.68 538.7971 2.00099 0.01153 0.16777 0.25186 0.9984 0.02252 0.9457 3.00242 0.70 330.00076 0.802 33.44444 0.23 807.7 1262.28876 0.1611 3.42 135.00590 0.N) (F/A.85246 1.08590 0.99 646.190 22.02349 0.12185 0.2070 11.00048 0.8365 3.8045 3.9938 3.00119 0.01454 0.8593 3.40960 0.20972 0.949 109.

3963 2.0892 3.0 32 423.00072 0.64 917.N) (A/G.00015 0.06 321.46163 0.05 247.30269 0. Discrete Cash Flows i  30% 515 Discrete Compounding.0344 3.288 39.00351 0.30122 0.3230 3.504 112.00007 0.8895 2.41058 0.30043 0.2832 3.5 1806.625 127.0 24 940.2890 3.0431 12.37839 0.1345 3.0 2348.43478 0.00065 0.3000 0.80 705.00010 1.4 3971.756 17.7129 4.00025 0.0 11 350.00050 0.1662 2.05687 0.00269 0.3037 3.2275 3.35687 0.30458 0.09430 0.4356 2.8161 2.374 51.i.46 146. Discrete Cash Flows SINGLE PAYMENT UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor N (F/P.015 42.0190 3.9247 3.00142 0.03302 0.8561 3.3254 3.3000 1.3297 .3324 3.33124 0.19 190.30351 0.00311 0.3272 3.00029 0.2646 3.0000 2.30025 0.1970 2.0 9727.7654 2.59172 0.0915 3.02540 0.35013 0.30094 0.2979 3.2025 3.3326 3.01345 0.00000 0.0 14 756.3288 3.00084 0.1903 3.5512 2.00184 0.6833 2.6427 2.6900 2.30055 0.i.3 2015.N) (P/F.327 97.00023 0.8268 6.00055 0.1870 9.01024 0.1 7483.55063 0.2781 3.73478 0.31345 0.11058 0.45517 0.00009 0.00011 0.5 1550.922 23.N) (F/A.3107 3.2487 3.30005 0.3050 3.00033 0.N) (P/A.01773 0.00019 0.3 1388.30159 0.3276 3.542 86.30009 0.30019 0.604 13.583 23.i.00458 0.25063 0.0 3406.3305 3.47 285.00782 0.9685 3.00094 0.00004 0.97 630.8 3054.i.14_fraser_appA.2948 3.3609 1.16163 0.3000 3.43478 0.N) (A/P.8 5756.91 167.0 19 184.26933 0.2682 3.405 74.2749 8.9 0.17 820.30033 0.0 4427.3153 3.00017 0.52 483.3330 0.54 542.34192 0.3198 3.20718 0.04292 0.15937 0.76923 1.01 371.3312 3.4903 1.3242 3.3328 3.00003 1.07839 0.3189 3.2233 3.04192 0.01503 0.00013 0.30782 0.00109 0.82707 1.298 30.32346 0.00043 0.00684 0.33 1192.8 5164.4 2620.8021 2.2156 2.858 32.03124 0.3297 3.00239 0.3 6714.1718 3.00405 0.01156 0.31773 0.30207 0.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 1.31024 0.3286 3.18 417.N) (A/F.i.3261 3.3321 3.00122 0.i.qxd 02/18/2005 4:29 PM Page 515 Compound Interest Factors for Discrete Compounding.30598 0.30007 0.3158 3.9900 6.05580 0.12259 0.07254 0.30011 0.0000 0.30072 0.00889 0.00159 0.186 66.7952 2.1573 10.29 218.00038 0.02346 0.i.2480 3.3219 3.30004 0.00526 0.01954 0.1473 3.30015 0.786 17.1783 1.3317 3.6 8730.30003 0.00598 0.00207 0.0 1.00005 0.22 1067.76923 0.619 56.3105 3.0063 2.3329 3.

57 16 217.4997 2.00016 0.00000 1.40094 0.4997 1 1.0 60 501.88 26 6299.00120 0.12 15 155.40005 0.153 69.4775 2.3790 2.4000 0.qxd 516 02/18/2005 4:29 PM Page 516 APPENDIX A i  40% Discrete Compounding.946 16.14 8033.739 139.24 5737.00044 0.9600 3 2.N) (P/A.02907 0.00031 0.4993 2.3580 1.00718 0.00510 0.68 21 1171.3600 7.40012 0.4761 2.758 9 20. Discrete Cash Flows SINGLE PAYMENT N UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor (F/P.4989 2.0 30 867.395 49.00003 0.26031 0.40001 0.00167 0.63 20 836.01260 0.00017 0.4685 2.49136 0.89 4097.4918 2.4944 2.00001 0.06126 0.40002 0.4839 2.40718 0.86 24 3214.93 275.i.1040 10.02034 0.00005 0.N) 0.99 759.00002 0.4999 2.00001 0.00061 0.9185 2.4959 2.23 195.00259 0.4970 2.00185 0.661 10 28.4821 2.42 541.00000 0.4000 4.N) (F/A.i.14077 0.40000 0.41432 0.5000 0.00011 0.0 15 747.00001 1.4866 2.00006 0.22936 0.42907 0.40001 0.4441 2.00009 0.0923 1.5000 2.00067 0.4030 2.N) (A/F.20 25 4499.0 33 66 409.0 30 24 201.09136 0.0352 2.1419 2.00002 0.814 98.00034 0.4998 2.0 32 47 435.0 166 019.2215 2.324 23.4969 2.4994 2.00094 0.71429 0.8416 5 5.00002 0.2628 2.77982 1.0 118 585.i.5000 2.09486 0.30 386.8492 2.4983 2.4991 2.4979 2.00328 0.40009 0.71429 1.541 8 14.5811 1.496 12 56.83 27 8819.40002 0.0422 2.40017 0.00006 0.4996 2.70 1491.21 2925.00363 0.7664 1.06776 0.4383 2.41013 0.4941 2.00000 0.4885 2.0000 0.7440 4 3.N) (P/F.0000 2.4977 2.90 23 2295.01432 0.0 31 33 882.3729 2.i.42034 0.40259 0.76 28 12 348.2245 1.853 34.00048 0.00003 0.18593 0.41667 0.78 1064.62936 0.4992 2.0 .925 11 40.36 22 1639.694 13 79.04192 0.0 35 130 161.0 84 703.88 19 597.00085 0.00002 0.40185 0.40000 0.4996 2.4985 2.00900 0.N) (A/G.01764 0.1680 2.02469 0.4958 2.91 18 426.01013 0.4995 2.0 43 214.i.81667 0.4900 2.00234 0.54077 0.0 1.4262 2.00643 0.3306 2.04840 0.40067 0.4682 2.03457 0.44192 0.36443 0.14_fraser_appA.4999 2.51020 0.4999 2.3341 2.4577 2.40001 0.00012 0.40132 0.46126 0.i.80 17 304.40006 0.00004 0.00001 0.40048 0.0 325 400.2845 2.40024 0.0 29 17 287.4988 2.41667 0.5889 1.4000 2 1.0 22 047.00008 0.13281 0.40363 0.4136 2.40510 0.00001 0.40003 0.40034 0.4925 2.00024 0.58 2089.i.5295 7 10.0 232 428.00 11 247.4559 2.00459 0.00022 0.371 14 111.0 34 92 972.N) (A/P.3782 6 7.4999 2.00132 0.

2500 3 3.7500 8.N) (P/A.00000 1.00013 0.9994 1.83 23 11 223.9999 1.40000 0.9997 1.8713 1.1111 1.00001 0.261 18 1477.887 113.84 20 3325.12308 0.9996 1.54812 0.894 16 656.330 170.9998 1.00000 0.6289 9 38.0 35 1 456 110.0 25 25 251.7366 1.00034 0.00152 0.40000 0.0000 2.9999 1.4074 1.00000 0.9931 1.00388 0.19753 0.0000 2.0000 2.0 255 666.0 34 970 740.08779 0.00007 0.0000 2.00068 0.0 383 500.9998 1.9990 1.00023 0.07583 0.0625 5 7.50001 0.00172 0.995 257.0000 2.9940 1.68 6648.51335 0.50000 0.9878 1.8244 1.9657 1.i.53108 0.0000 0.1250 13.0 30 191 751.0 862 878.9846 1.9958 1.443 10 57.50000 0.0 2 912 217.0 32 431 440.0 24 16 834.00015 0.00001 0.N) (A/G.172 49.6049 1.0 29 127 834.9971 1.0 170 443.00004 0.03108 0.50000 0.9980 1.00228 0.57583 0.02601 0.N) (P/F.9954 1.5000 4.50172 0.68 1968.50003 0.4226 1.50000 0.50010 0.665 11 86.9756 1.9993 1.9329 1.50004 0.0 .498 12 129.746 13 194.9980 1.79 1311.00001 0.00000 0.0 28 85 223.50001 0.50882 0.50002 0.9999 1.00101 0.9999 1.9991 1.50007 0. Discrete Cash Flows SINGLE PAYMENT N 517 UNIFORM SERIES Compound Amount Factor Present Worth Factor Sinking Fund Factor Uniform Series Factor Capital Recovery Factor Series Present Worth Factor Arithmetic Gradient Series Factor (F/P.2417 1.0000 2.00585 0.0 33 647 160.86 873.0 31 287 627.0000 1 1.i.89 19 2216.78 4431.50023 0.0 27 56 815.73684 1.50001 0.89 22 7481.00051 0.239 581.50000 0.00045 0.29630 0.01335 0.62308 0.0 26 37 877.13169 0.qxd 02/18/2005 4:29 PM Page 517 Compound Interest Factors for Discrete Compounding.i.03902 0.841 17 985.50034 0.00020 0.i.6752 1.5000 2 2.90000 0.0000 2.04812 0.00114 0.00001 0.N) (A/F.N) (F/A.5000 0.51 9973.00000 0.0 50 500.50585 0.620 14 291.00000 0.00001 0.50000 0. Discrete Cash Flows i  50% Discrete Compounding.9769 1.i.66667 0.0000 2.9999 2.00000 0.493 387.00000 0.1875 20.9519 1.66667 1.00076 0.52030 0.3750 4 5.21053 0.00030 0.00343 0.00009 0.77 14 962.52 2953.00003 0.5938 6 11.N) (A/P.N) 0.9995 1.50000 0.9999 2.50015 0.05853 0.0154 1.i.9970 1.8235 1.7596 1.00002 0.0 1 941 477.9827 1.9897 1.9480 1.00001 0.0 22 443.00002 0.0 75 752.71053 0.0859 8 25.5648 1.258 74.9986 1.44444 0.9220 1.0000 2.50051 0.50388 0.00004 0.9998 1.26 21 4987.0 1.9986 1.8829 1.00000 0.3906 7 17.00003 0.50258 0.00514 0.0 575 251.00006 0.929 15 437.00000 1.50076 0.50114 0.9997 1.781 32.01734 0.00771 0.0000 0.9914 1.0 33 666.00258 0.00000 0.0000 2.9653 1.00000 0.00010 0.02030 0.9068 1.00882 0.0 113 628.i.0 1 294 318.01156 0.00000 0.14_fraser_appA.

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