Factor Name Formula Purpose

Single payment
Moves a single payment
(F/P, i, N) compound amount
toN periods later in time
factor
Moves a single payment
Single payment
(P/F, i, N) toN periods earlier in
present worth factor
time
Takes a single payment
and spreads into a
uniform series
(A/F, i, N) Sinking Fund factor over N earlier periods.
The last payment in the
series occurs at the
same time as F.
Takes a uniform series
Uniform Series and moves it to a single
(F/A, i, N) Compound Amount value at the time of the
factor last payment in the
series.
Takes a single payment
and spreads it into a
uniform series
Capital Recovery
(A/P, i, N) over N later periods.
Factor
The first payment in the
series occurs one period
later than P.
Takes a uniform series
and moves it to a single
Uniform Series
(P/A, i, N) payment one period
Present Worth Factor
earlier than the first
payment of the series.
Takes a arithmetic
gradient series and
moves it to a single
Arithmetic Gradient
(P/G, i, N) payment two periods
Present Worth Factor
earlier than the first
nonzero payment of the
series.
 Takes a arithmetic
gradient series and
Arithmetic Gradient converts it to a uniform
(A/G, i, N) to Uniform Series series. The two series
Factor cover the same interval,
but the first payment of
the gradient series is 0.