Professional Documents
Culture Documents
Type
Singe amount
Uniform series
Arithmetic gradient
Growth added from n=2
Only the gradient!
Geometric gradient
Growth added from n=2
Find/Given
Formula
F/P
Compound amount
F = P (1 + i)n
P/F
Present worth
P =
P/A
Present worth
P =A
(1 + i)n 1
i(1 + i)n
A/P
Capital recovery
A=P
i(1 + i)n
(1 + i)n 1
F/A
Compound amount
P =A
(1 + i)n 1
i
A/F
Sinking fund
A=P
i
(1 + i)n 1
PG /P
Present Worth
PG = G
AG /P
Uniform series
P =
Pg /A1 and g
Present worth
ERR/(NCF+, ,k,r)
(1 + i)n in 1
i2 (1 + i)n
1
n
i
(1 + i)n 1
1+g n
A1 1
1+i
g
Pg =
A1 1 + i
if g 6= i
if g = i
1
N
N CFn+ (1 + r)(N n)
n=0
ERR =
1
N N CF
P
n
n=0 (1 + k)
1
+
F WT (N CF ) N
=
1
P WT (N CF )
F
(1 + i)n
N
P
Year
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
F/P
1,0450
1,0920
1,1412
1,1925
1,2462
1,3023
1,3609
1,4221
1,4861
1,5530
1,6229
1,6959
1,7722
1,8519
1,9353
2,0224
2,1134
2,2085
2,3079
2,4117
2,5202
2,6337
2,7522
2,8760
3,0054
Tables
P/F
0,9569
0,9157
0,8763
0,8386
0,8025
0,7679
0,7348
0,7032
0,6729
0,6439
0,6162
0,5897
0,5643
0,5400
0,5167
0,4945
0,4732
0,4528
0,4333
0,4146
0,3968
0,3797
0,3634
0,3477
0,3327
P/G
0,9157
2,6683
5,1840
8,3938
12,2333
16,6423
21,5646
26,9478
32,7431
38,9051
45,3914
52,1627
59,1823
66,4164
73,8335
81,4043
89,1019
96,9013
104,7795
112,7153
120,6890
128,6827
136,6799
144,6654
Year
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
F/P
1,0650
1,1342
1,2079
1,2865
1,3701
1,4591
1,5540
1,6550
1,7626
1,8771
1,9992
2,1291
2,2675
2,4149
2,5718
2,7390
2,9170
3,1067
3,3086
3,5236
3,7527
3,9966
4,2564
4,5331
4,8277
P/F
0,9390
0,8817
0,8278
0,7773
0,7299
0,6853
0,6435
0,6042
0,5674
0,5327
0,5002
0,4697
0,4410
0,4141
0,3888
0,3651
0,3428
0,3219
0,3022
0,2838
0,2665
0,2502
0,2349
0,2206
0,2071
A/G
0,4843
0,9580
1,4214
1,8743
2,3168
2,7489
3,1708
3,5824
3,9839
4,3753
4,7566
5,1281
5,4897
5,8417
6,1840
6,5168
6,8403
7,1545
7,4596
7,7557
8,0430
8,3216
8,5916
8,8533
P/G
0,8817
2,5374
4,8693
7,7889
11,2155
15,0766
19,3062
23,8450
28,6395
33,6417
38,8082
44,1004
49,4837
54,9272
60,4037
65,8887
71,3608
76,8012
82,1933
87,5229
92,7773
97,9460
103,0199
107,9912
Year
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
F/P
1,1000
1,2100
1,3310
1,4641
1,6105
1,7716
1,9487
2,1436
2,3579
2,5937
2,8531
3,1384
3,4523
3,7975
4,1772
4,5950
5,0545
5,5599
6,1159
6,7275
7,4002
8,1403
8,9543
9,8497
10,8347
P/F
0,9091
0,8264
0,7513
0,6830
0,6209
0,5645
0,5132
0,4665
0,4241
0,3855
0,3505
0,3186
0,2897
0,2633
0,2394
0,2176
0,1978
0,1799
0,1635
0,1486
0,1351
0,1228
0,1117
0,1015
0,0923
Factors
A/F
1,0000
0,4762
0,3021
0,2155
0,1638
0,1296
0,1054
0,0874
0,0736
0,0627
0,0540
0,0468
0,0408
0,0357
0,0315
0,0278
0,0247
0,0219
0,0195
0,0175
0,0156
0,0140
0,0126
0,0113
0,0102
for CF=1
F/A
1,0000
2,1000
3,3100
4,6410
6,1051
7,7156
9,4872
11,4359
13,5795
15,9374
18,5312
21,3843
24,5227
27,9750
31,7725
35,9497
40,5447
45,5992
51,1591
57,2750
64,0025
71,4027
79,5430
88,4973
98,3471
@10,0%
A/P
1,1000
0,5762
0,4021
0,3155
0,2638
0,2296
0,2054
0,1874
0,1736
0,1627
0,1540
0,1468
0,1408
0,1357
0,1315
0,1278
0,1247
0,1219
0,1195
0,1175
0,1156
0,1140
0,1126
0,1113
0,1102
P/A
0,9091
1,7355
2,4869
3,1699
3,7908
4,3553
4,8684
5,3349
5,7590
6,1446
6,4951
6,8137
7,1034
7,3667
7,6061
7,8237
8,0216
8,2014
8,3649
8,5136
8,6487
8,7715
8,8832
8,9847
9,0770
A/G
0,4762
0,9366
1,3812
1,8101
2,2236
2,6216
3,0045
3,3724
3,7255
4,0641
4,3884
4,6988
4,9955
5,2789
5,5493
5,8071
6,0526
6,2861
6,5081
6,7189
6,9189
7,1085
7,2881
7,4580
P/G
0,8264
2,3291
4,3781
6,8618
9,6842
12,7631
16,0287
19,4215
22,8913
26,3963
29,9012
33,3772
36,8005
40,1520
43,4164
46,5819
49,6395
52,5827
55,4069
58,1095
60,6893
63,1462
65,4813
67,6964
Year
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
F/P
1,1100
1,2321
1,3676
1,5181
1,6851
1,8704
2,0762
2,3045
2,5580
2,8394
3,1518
3,4985
3,8833
4,3104
4,7846
5,3109
5,8951
6,5436
7,2633
8,0623
8,9492
9,9336
11,0263
12,2392
13,5855
P/F
0,9009
0,8116
0,7312
0,6587
0,5935
0,5346
0,4817
0,4339
0,3909
0,3522
0,3173
0,2858
0,2575
0,2320
0,2090
0,1883
0,1696
0,1528
0,1377
0,1240
0,1117
0,1007
0,0907
0,0817
0,0736
@11,0%
A/P
1,1100
0,5839
0,4092
0,3223
0,2706
0,2364
0,2122
0,1943
0,1806
0,1698
0,1611
0,1540
0,1482
0,1432
0,1391
0,1355
0,1325
0,1298
0,1276
0,1256
0,1238
0,1223
0,1210
0,1198
0,1187
P/A
0,9009
1,7125
2,4437
3,1024
3,6959
4,2305
4,7122
5,1461
5,5370
5,8892
6,2065
6,4924
6,7499
6,9819
7,1909
7,3792
7,5488
7,7016
7,8393
7,9633
8,0751
8,1757
8,2664
8,3481
8,4217
0,8116
2,2740
4,2502
6,6240
9,2972
12,1872
15,2246
18,3520
21,5217
24,6945
27,8388
30,9290
33,9449
36,8709
39,6953
42,4095
45,0074
47,4856
49,8423
52,0771
54,1912
56,1864
58,0656
59,8322
P/G
0,4739
0,9306
1,3700
1,7923
2,1976
2,5863
2,9585
3,3144
3,6544
3,9788
4,2879
4,5822
4,8619
5,1275
5,3794
5,6180
5,8439
6,0574
6,2590
6,4491
6,6283
6,7969
6,9555
7,1045
A/G
Year
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
F/P
1,1200
1,2544
1,4049
1,5735
1,7623
1,9738
2,2107
2,4760
2,7731
3,1058
3,4785
3,8960
4,3635
4,8871
5,4736
6,1304
6,8660
7,6900
8,6128
9,6463
10,8038
12,1003
13,5523
15,1786
17,0001
P/F
0,8929
0,7972
0,7118
0,6355
0,5674
0,5066
0,4523
0,4039
0,3606
0,3220
0,2875
0,2567
0,2292
0,2046
0,1827
0,1631
0,1456
0,1300
0,1161
0,1037
0,0926
0,0826
0,0738
0,0659
0,0588
@12,0%
A/P
1,1200
0,5917
0,4163
0,3292
0,2774
0,2432
0,2191
0,2013
0,1877
0,1770
0,1684
0,1614
0,1557
0,1509
0,1468
0,1434
0,1405
0,1379
0,1358
0,1339
0,1322
0,1308
0,1296
0,1285
0,1275
P/A
0,8929
1,6901
2,4018
3,0373
3,6048
4,1114
4,5638
4,9676
5,3282
5,6502
5,9377
6,1944
6,4235
6,6282
6,8109
6,9740
7,1196
7,2497
7,3658
7,4694
7,5620
7,6446
7,7184
7,7843
7,8431
A/G
0,4717
0,9246
1,3589
1,7746
2,1720
2,5515
2,9131
3,2574
3,5847
3,8953
4,1897
4,4683
4,7317
4,9803
5,2147
5,4353
5,6427
5,8375
6,0202
6,1913
6,3514
6,5010
6,6406
6,7708
P/G
0,7972
2,2208
4,1273
6,3970
8,9302
11,6443
14,4714
17,3563
20,2541
23,1288
25,9523
28,7024
31,3624
33,9202
36,3670
38,6973
40,9080
42,9979
44,9676
46,8188
48,5543
50,1776
51,6929
53,1046
Year
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
F/P
1,1350
1,2882
1,4621
1,6595
1,8836
2,1378
2,4264
2,7540
3,1258
3,5478
4,0267
4,5704
5,1874
5,8877
6,6825
7,5846
8,6085
9,7707
11,0897
12,5869
14,2861
16,2147
18,4037
20,8882
23,7081
P/F
0,8811
0,7763
0,6839
0,6026
0,5309
0,4678
0,4121
0,3631
0,3199
0,2819
0,2483
0,2188
0,1928
0,1698
0,1496
0,1318
0,1162
0,1023
0,0902
0,0794
0,0700
0,0617
0,0543
0,0479
0,0422
@13,5%
A/P
1,1350
0,6034
0,4271
0,3397
0,2878
0,2536
0,2296
0,2120
0,1985
0,1880
0,1796
0,1728
0,1672
0,1626
0,1588
0,1555
0,1527
0,1504
0,1484
0,1467
0,1452
0,1439
0,1428
0,1418
0,1409
P/A
0,8811
1,6573
2,3413
2,9438
3,4747
3,9425
4,3546
4,7177
5,0377
5,3195
5,5679
5,7867
5,9794
6,1493
6,2989
6,4308
6,5469
6,6493
6,7395
6,8189
6,8889
6,9506
7,0049
7,0528
7,0950
0,7763
2,1441
3,9519
6,0755
8,4143
10,8871
13,4288
15,9881
18,5249
21,0083
23,4151
25,7285
27,9365
30,0315
32,0092
33,8678
35,6077
37,2308
38,7403
40,1403
41,4354
42,6308
43,7319
44,7442
P/G
0,4684
0,9158
1,3424
1,7485
2,1343
2,5001
2,8465
3,1737
3,4824
3,7731
4,0464
4,3028
4,5430
4,7677
4,9775
5,1731
5,3551
5,5243
5,6813
5,8268
5,9614
6,0858
6,2007
6,3065
A/G
Year
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
F/P
1,1500
1,3225
1,5209
1,7490
2,0114
2,3131
2,6600
3,0590
3,5179
4,0456
4,6524
5,3503
6,1528
7,0757
8,1371
9,3576
10,7613
12,3755
14,2318
16,3665
18,8215
21,6447
24,8915
28,6252
32,9190
P/F
0,8696
0,7561
0,6575
0,5718
0,4972
0,4323
0,3759
0,3269
0,2843
0,2472
0,2149
0,1869
0,1625
0,1413
0,1229
0,1069
0,0929
0,0808
0,0703
0,0611
0,0531
0,0462
0,0402
0,0349
0,0304
@15,0%
A/P
1,1500
0,6151
0,4380
0,3503
0,2983
0,2642
0,2404
0,2229
0,2096
0,1993
0,1911
0,1845
0,1791
0,1747
0,1710
0,1679
0,1654
0,1632
0,1613
0,1598
0,1584
0,1573
0,1563
0,1554
0,1547
P/A
0,8696
1,6257
2,2832
2,8550
3,3522
3,7845
4,1604
4,4873
4,7716
5,0188
5,2337
5,4206
5,5831
5,7245
5,8474
5,9542
6,0472
6,1280
6,1982
6,2593
6,3125
6,3587
6,3988
6,4338
6,4641
A/G
0,4651
0,9071
1,3263
1,7228
2,0972
2,4498
2,7813
3,0922
3,3832
3,6549
3,9082
4,1438
4,3624
4,5650
4,7522
4,9251
5,0843
5,2307
5,3651
5,4883
5,6010
5,7040
5,7979
5,8834
P/G
0,7561
2,0712
3,7864
5,7751
7,9368
10,1924
12,4807
14,7548
16,9795
19,1289
21,1849
23,1352
24,9725
26,6930
28,2960
29,7828
31,1565
32,4213
33,5822
34,6448
35,6150
36,4988
37,3023
38,0314
Year
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
F/P
1,1600
1,3456
1,5609
1,8106
2,1003
2,4364
2,8262
3,2784
3,8030
4,4114
5,1173
5,9360
6,8858
7,9875
9,2655
10,7480
12,4677
14,4625
16,7765
19,4608
22,5745
26,1864
30,3762
35,2364
40,8742
P/F
0,8621
0,7432
0,6407
0,5523
0,4761
0,4104
0,3538
0,3050
0,2630
0,2267
0,1954
0,1685
0,1452
0,1252
0,1079
0,0930
0,0802
0,0691
0,0596
0,0514
0,0443
0,0382
0,0329
0,0284
0,0245
@16,0%
A/P
1,1600
0,6230
0,4453
0,3574
0,3054
0,2714
0,2476
0,2302
0,2171
0,2069
0,1989
0,1924
0,1872
0,1829
0,1794
0,1764
0,1740
0,1719
0,1701
0,1687
0,1674
0,1664
0,1654
0,1647
0,1640
P/A
0,8621
1,6052
2,2459
2,7982
3,2743
3,6847
4,0386
4,3436
4,6065
4,8332
5,0286
5,1971
5,3423
5,4675
5,5755
5,6685
5,7487
5,8178
5,8775
5,9288
5,9731
6,0113
6,0442
6,0726
6,0971
0,7432
2,0245
3,6814
5,5858
7,6380
9,7610
11,8962
13,9998
16,0399
17,9941
19,8472
21,5899
23,2175
24,7284
26,1241
27,4074
28,5828
29,6557
30,6321
31,5180
32,3200
33,0442
33,6970
34,2841
P/G
0,4630
0,9014
1,3156
1,7060
2,0729
2,4169
2,7388
3,0391
3,3187
3,5783
3,8189
4,0413
4,2464
4,4352
4,6086
4,7676
4,9130
5,0457
5,1666
5,2766
5,3765
5,4671
5,5490
5,6230
A/G