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Appendix: Time Value

of Money Tables

© American Management Association. All rights reserved.

209

076 0.592 0.107 0.396 0.099 0.174 0.460 0.074 0.362 0.020 0.322 0.406 0.350 0.032 0.502 0.258 0.490 37 0.742 0.038 0.321 0.478 0.312 0.244 0.361 0.008 0.015 0.164 0.439 0.047 0.059 0.208 0.857 0.347 0.047 0.507 0.308 0.027 0.181 0.018 0.012 0.497 0.437 0.006 14% 0.627 0.060 0.092 0.673 21 0.705 0.847 0.032 10% 0.215 0.659 0.149 0.422 0.390 0.141 0.296 0.002 0.980 2 0.233 0.010 0.853 0.026 0.168 0.425 0.029 0.069 0.093 0.045 0.840 0.475 0.506 0.022 11% 0.019 0.497 0.471 39 0.862 0.642 0.352 0.011 0.681 0.005 0.422 0.045 0.004 16% 0.005 0.063 0.027 0.109 0.853 9 0.003 0.058 0.686 20 0.188 0.044 0.906 6 0.024 0.634 24 0.008 0.795 0.352 0.093 0.513 0.004 0.065 0.855 0.023 0.043 0.098 0.026 0.475 0.220 0.789 0.100 0.016 0.242 0.162 0.013 0.199 0.377 0.650 0.007 0.227 0.164 0.647 23 0.434 0.011 13% 0.015 0.535 0.711 0.356 0.231 0.415 0.108 0.003 0.053 0.093 0.339 0.123 0.209 0.080 0.125 0.735 0.026 0.018 0.187 0.001 0.942 0.452 0.182 0.043 0.115 0.510 35 0.197 0.053 0.513 0.026 0.226 0.842 0.333 0.231 0.082 0.023 0.043 0.116 0.081 0.093 0.207 0.718 0.417 0.037 0.534 0.012 0.943 0.917 0.101 0.022 0.463 0.190 0.907 0.925 0.879 0.049 0.053 0.583 30 0.871 8 0.051 0.645 0.731 0.270 0.002 0.009 0.692 0.743 0.026 0.078 0.053 0.014 0.037 0.239 0.141 0.685 0.002 0.675 0.015 0.299 0.027 0.500 0.026 0.023 0.007 0.012 0.462 40 0.123 0.007 0.003 0.002 0.162 0.013 0.811 0.744 0.822 0.008 0.010 0.009 0.264 0.013 0.152 0.494 0.142 6% 0.009 0.135 0.274 0.112 0.130 0.555 0.039 0.277 0.024 0.720 0.038 0.836 0.047 0.068 0.292 0.076 0.033 0.480 0.909 0.020 0.708 0.552 31 0.747 0.018 0.268 0.071 0.170 0.060 0.564 0.285 0.184 0.061 0.456 0.870 0.731 0.191 0.217 0.180 0.184 0.099 0.103 0.887 0.522 0.335 0.181 0.530 0.111 0.623 0.255 0.464 0.005 0.508 0.340 0.376 0.335 0.592 0.693 0.333 0.896 0.270 0.010 0.572 0.209 0.021 0.037 0.149 0.275 0.500 36 0.952 0.104 0.232 0.069 0.011 0.042 0.001 0.888 0.350 0.044 0.837 0.130 0.108 0.424 0.157 0.046 9% 0.004 0.325 0.006 0.088 0.005 0.436 0.005 15% 0.005 0.247 0.004 0.621 0.757 0.009 0.388 0.527 0.764 0.538 0.003 17% 0.728 17 0.164 0.033 0.014 0.008 0.233 0.476 0.456 0.002 18% 0.258 0.206 0.416 0.482 0.820 11 0.676 0.305 0.107 0.294 0.001 19% 0.614 0.481 0.138 0.116 0.052 0.006 0.016 0.164 0.006 0.499 0.450 0.038 0.204 0.540 0.442 0.028 0.712 0.735 0.666 0.131 0.424 0.772 0.017 0.083 0.586 28 0.317 0.146 0.316 0.070 0.073 0.176 0.763 0.001 .031 0.370 0.812 0.229 0.794 0.544 0.784 0.001 0.727 0.194 0.069 0.029 0.085 0.013 0.703 0.699 0.873 0.002 0.007 0.020 0.012 0.123 0.746 0.315 0.327 0.030 0.665 0.935 0.054 0.023 0.005 0.437 0.001 0.017 0.943 0.106 0.636 0.125 0.019 0.123 0.059 0.071 0.011 0.826 0.713 0.130 0.942 4 0.296 0.123 0.016 0.803 0.342 0.855 0.354 0.252 0.661 0.009 0.333 0.314 0.011 0.516 0.137 0.031 0.066 0.482 0.032 0.031 0.672 0.971 0.400 0.111 0.029 0.507 0.067 8% 0.890 0.266 0.017 0.531 33 0.012 0.021 0.388 0.138 0.004 0.394 0.198 0.783 0.287 0.022 0.225 0.005 0.804 12 0.018 0.102 0.283 0.160 0.961 3 0.081 0.220 0.543 0.788 0.905 0.257 0.863 0.412 0.170 0.519 0.456 0.722 0.780 0.308 0.090 0.296 0.074 0.185 0.049 0.014 0.066 0.210 0.084 0.404 0.598 27 0.760 0.178 0.126 0.225 0.622 25 0.141 0.003 0.326 0.641 0.010 0.084 0.377 0.694 0.002 0.063 0.163 0.124 0.039 0.082 0.390 0.069 0.453 3% 0.253 0.585 0.610 26 0.813 0.029 0.926 0.319 0.249 0.331 0.751 0.211 0.035 0.844 0.155 0.194 0.001 0.262 0.837 10 0.146 0.075 0.419 0.650 0.004 0.749 0.035 0.593 0.317 0.368 0.706 0.021 0.033 0.630 0.173 0.195 0.285 0.797 0.098 0.700 19 0.820 0.150 0.605 0.432 0.278 0.183 0.444 0.772 0.625 0.758 15 0.582 0.009 0.007 0.864 0.410 0.823 0.376 0.351 0.037 0.116 0.006 0.310 0.054 0.541 32 0.924 5 0.030 0.206 5% 0.015 0.002 0.567 0.713 0.178 0.232 0.026 0.731 0.052 0.231 0.366 0.073 0.579 0.017 0.001 20% 0.294 0.003 0.250 0.125 0.043 0.889 0.877 0.003 0.003 0.145 0.971 0.281 0.172 0.609 0.915 0.033 0.386 0.140 0.534 0.766 0.361 0.678 0.007 0.163 0.104 0.261 0.161 0.013 0.307 4% 0.004 0.006 0.062 0.961 0.148 0.002 0.467 0.022 0.064 0.237 0.218 0.660 22 0.092 0.247 0.613 0.243 0.009 0.923 0.006 0.044 0.658 0.681 0.112 0.769 0.036 0.888 7 0.042 0.112 0.022 0.035 0.400 0.002 0.577 0.554 0.788 13 0.375 0.051 0.095 0.087 0.587 0.146 0.116 0.200 0.116 0.001 0.107 0.014 0.032 0.037 0.091 0.547 0.004 0.790 0.583 0.870 0.215 0.359 0.574 29 0.010 0.773 14 0.054 0.701 0.596 0.557 0.050 0.840 0.015 0.243 0.058 0.136 0.094 0.326 0.833 0.004 0.160 0.816 0.196 0.212 0.263 0.004 0.024 0. Present Value Table 1% 2% 1 0.051 0.520 34 0.006 0.017 0.402 0.063 0.885 0.683 0.079 0.296 0.© American Management Association.756 0.990 0.006 0.593 0.558 0.388 0.002 0.397 0.010 0.060 0.371 0.792 0.020 0.097 7% 0.286 0.279 0.015 12% 0.624 0.295 0.124 0.003 0.980 0.077 0.893 0.714 18 0.004 0.046 0.951 0.429 0.040 0.234 0.706 0.048 0.345 0.011 0.828 0.290 0.914 0.150 0.901 0.205 0.861 0.677 0.060 0.570 0.458 0.601 0.743 16 0.083 0.492 0.138 0.095 0.135 0.158 0.355 0.082 0.019 0.041 0.068 0.391 0. All rights reserved.962 0.552 0.056 0.153 0.074 0.038 0.623 0.088 0.057 0.008 0.469 0.481 38 0.933 0.

177 6.462 12.800 10.760 12 11.795 5.589 3.256 5.158 11.161 7.274 3.635 9.541 6.329 5.215 6.621 14.707 9.432 5.342 5.094 14.451 4.650 8.306 9.247 25 22.839 7.526 9.085 8.818 5.025 7.462 6.162 7.031 4.970 1.017 10.210 6.350 11.447 9.046 16.986 14 13.167 5.965 9.902 3.803 16.623 5.787 9.855 8.746 5.292 13.020 7.020 6.206 5.385 13 12.487 18.677 9.628 6.589 2.325 7.169 6% 0.884 2.415 14.970 4.604 6.468 5.857 17.136 6.889 6.344 4.949 15.439 4.843 4.938 20.754 12.027 10.330 28 24.510 5.999 21.257 5.106 11.103 7. Present Value of an Annuity Table 1% 2% 3% 4% 1 0.242 7 6.348 10.134 20 18.003 13.900 8.984 30 25.273 5.170 7.879 8.166 6.494 4.360 7.247 6.251 5.607 4.935 1.828 11.140 2.724 5.106 15% 0.645 7.370 9.993 4.498 14.647 2.938 4.583 5.551 6.157 8.990 5.523 5.962 1.652 17 15.203 6.117 13.936 8.579 6.073 6.903 22.387 4.606 7.161 9.363 5.591 13.726 10.919 8.514 8.974 3.577 3.858 5.696 4.968 5.176 8.687 5.546 4.322 2.160 4.011 6.230 7.673 3.528 2.029 5.584 40 32.550 6.451 5.468 20.587 10.230 14.961 12% 0.591 6.228 6.644 9.622 26 22.491 6.580 4.763 10.496 6.078 4.492 5.283 7.327 4.826 11.733 9 8.196 6.488 8.469 11.120 7.800 17.070 5.373 6.764 12.783 5.783 13.810 5.192 4.017 17.767 5.167 19.330 7.410 3.355 4.984 8.914 7.145 6.854 12.115 19.594 10.374 16.528 5.775 4 3.733 8.418 6.874 33 27.499 7.023 19.626 2.532 5.818 10.463 7.326 3.044 6.948 13.806 22.149 5.801 8.796 5.611 4.003 16.000 17.121 17.396 14.743 3.230 6.033 5.604 9.550 12.162 5.234 5.942 1.929 14.037 3.983 7.547 16.343 10.547 5.207 4.764 16.489 21.060 7.198 10.244 13% 0.759 2.324 5.580 9.233 17% 0.862 1.498 3.736 2.092 5.176 8.266 8.313 8.588 32 27.601 5.712 5.837 5.706 9.244 8.743 6.685 4.111 4.990 0.605 3.982 4.909 4.691 10.292 16.464 10.272 11.627 7.722 8.530 8.649 8.166 12.711 16.638 6.368 39 32.492 19.435 11.663 29 25.609 9.061 8.628 5.199 3.843 7.201 10.246 2.211 13.917 1.588 7.226 15.475 5.575 9.489 7.106 2.799 14.061 11.870 1.549 7.937 14.486 5.956 4.427 9.605 4.097 6.660 17.747 6.477 10.713 2.402 3.799 5.715 4.938 11.444 14.690 3.971 0.132 18.122 9.372 9.840 6.441 7.434 6.233 8.793 5% 0.598 7.948 4.132 5.600 6.890 4.784 7.361 2.844 19.229 5.485 26.867 5.908 37 30.042 12.281 18.170 3.035 7.559 8.870 4.962 2 1.108 7.582 6.609 7.917 5.399 6.422 8.857 24 21.971 6.011 15.384 5.665 5.853 4.201 8.070 7.210 2.710 7.035 13.654 11.914 3.259 6.426 5.499 21.989 20.368 14.578 12.887 8.517 5.410 5.116 10.985 4.935 11.479 9.901 1.467 6.470 11.470 7.375 14.456 18.717 11.730 4.547 2.883 8.963 8.112 8.004 12.307 9.728 6.694 8.824 8.766 5.835 27.849 11.409 24.101 5.584 5.003 7.935 6.194 6.769 8.612 10.805 7.387 7.409 12.820 5.366 8.537 5.846 14.538 7.992 13.106 10.303 4.187 6.143 38 31.750 6.066 21.389 5.543 5.988 5.756 8.810 10.823 9.542 22.982 7.255 5.163 13.938 6.812 4.918 6.561 11.943 7.441 22.129 9.829 8.405 5.968 17.749 5.274 10.312 3.655 11.675 10.077 9.253 8.435 10 9.821 13.605 2.523 17.231 4.669 4.733 9.572 7.316 21.964 6.368 9.569 9.585 2.729 6.929 5.055 8.270 23.496 7.536 7.802 4.995 6.163 26.877 13.997 .288 4.998 4.611 4.253 5.039 4.197 5.278 12.765 13.914 16.240 3.836 4.783 2.991 3.937 4.842 6.808 3.413 15.885 3 2.487 4.812 4.471 8.139 7.808 19.642 16% 0.922 4.022 8.943 1.472 6.541 5.487 3.943 8.047 6.946 5.766 18.118 6.702 7.829 2.707 18.029 22 19.332 8% 0.515 7.851 9.122 6.786 7.910 5.265 13.712 10.008 5.936 15.609 6.582 14.882 5.046 7% 0.255 10.529 10.192 8.703 24.913 1.889 4.193 16.486 4.196 6.993 4.829 11.963 27 23.111 11 10.102 7.696 5.335 6.518 10.961 6.087 7.141 15.713 4.754 12.327 16.546 8.409 7.002 6.134 11.002 8 7.855 3.929 10.127 5.938 7.792 6.992 4.784 4.659 19 17.239 5.163 4.566 8.465 4.142 6.274 11.566 6.128 6.678 14.292 31 26.647 12.079 7.127 3.718 13.925 4.795 20.372 7.566 2.249 5.236 5.518 7.798 3.380 10. All rights reserved.312 6.575 5.480 5.148 34 28.216 5.560 20.421 5.188 16.076 5.844 5.193 13.303 12.182 5.355 23.433 3.836 11.786 8.444 3.058 3.987 12.075 8.174 2.243 18.358 8.531 3.847 1.135 8.979 4.033 5.656 4.451 23 20.779 11% 0.316 5.974 7.539 5.990 4.623 6.837 4.396 19.718 7.859 2.351 14.545 5.534 6.220 6.534 5.590 21 18.593 15.717 3.995 4.223 5.022 8.775 4.802 7.772 8.994 4.324 13.195 5.950 9.829 5.800 25.652 7.904 8.379 7.296 10.366 7.906 6.634 14% 0.941 2.© American Management Association.877 1.085 12.118 5.059 10.372 15.118 16 14.775 11.371 10.624 3.210 6.384 8.909 1.348 8.973 6.442 9.863 9.502 5.791 4.411 35 29.406 13.658 15.879 11.283 2.492 6.690 12.968 5.224 6.453 5.643 14.389 17.853 9.229 5.100 7.869 5.108 25.975 4.665 36 30.328 5.544 8.258 20% 0.424 6.158 11.893 1.152 6.452 6 5.759 6.221 8.653 10.019 5.191 7.208 8.207 6.873 6.796 6.359 6.222 5.650 5.212 4.891 4.206 5.896 7.564 4.954 4.336 10.587 11.102 3.339 4.838 11.265 6.630 5 4.548 19% 0.964 4.996 15.996 4.467 5.835 6.833 1.668 5.871 18% 0.675 4.048 7.793 4.965 4.100 4.562 7.292 9.706 3.231 6.556 7.352 3.757 10% 0.855 1.499 13.772 5.094 7.302 6.618 7.833 5.846 5.660 5.084 14.617 6.417 5.535 5.639 4.808 2.980 0.237 9.865 5.865 12.051 11.634 6.840 1.384 9.723 5.406 10.990 23.687 6.146 5.514 11.215 5.757 9.963 8.563 15 13.885 1.602 8.877 5.536 5.668 2.876 4.737 14.108 9.854 5.723 3.623 6.947 5.250 7.166 18 16.926 1.925 9% 0.137 12.833 2.517 3.639 3.745 9.024 7.954 9.246 5.258 11.487 7.243 5.969 22.832 18.811 6.629 6.423 4.464 6.690 2.532 12.533 4.877 15.295 9.

034 49.043 401.068 1181.484 80.141 98.792 40.299 28.903 607.917 17.581 37.537 32.921 6.765 73.772 14.369 10.727 16.100 134.628 174.993 43.998 684.606 5.869 40.052 80.975 8.089 32.021 206.484 471.050 3.141 7.156 63.704 1342.543 88.031 326.776 15.580 55.850 36.214 2754.730 12.583 258.980 48.550 25.320 95.416 16.865 49.095 120.006 13.545 45.965 72.252 245.882 21.333 169.118 55.972 16.993 6.447 790.392 46.075 5529.462 11.402 3% 1.841 238.790 84.739 59.578 14.241 10.809 14.501 50.135 136.462 63.198 1176.477 271.133 25.384 24.981 567.177 63.893 66.213 30.655 21.502 47.352 40.118 2948.324 102.858 .058 154.826 12% 13% 14% 1.184 111.323 8.285 130.824 39.409 95.417 43.850 4.394 63.688 225.321 25.316 238.737 304.219 50.012 21.686 2988.439 70.351 95.472 25.503 105.660 43.066 6.640 5.212 30.246 4.994 51.170 3.560 20.618 17.110 66.627 18.672 51.403 62.802 90.507 609.583 9.396 56.101 6.063 405.244 54.572 5.067 13.221 566.272 479.180 3.029 29.000 2.165 1779.800 196.487 11.808 14.526 30.213 19% 1.159 11.627 172.959 32.379 40.858 73.882 10% 1.169 13.512 647.203 72.575 50.836 88.103 56.416 6.652 77.978 249.000 2.153 4.817 178.853 819.393 34.496 1303.950 40.345 244.019 23.261 79.787 271.745 500.160 3.783 11.084 49.763 402.435 119.639 20.916 16.801 248.593 11% 1.442 105.000 2.215 7.840 28.374 3.568 42.349 29.018 51.225 2678.516 465.581 48.750 37.779 4.979 93.079 159.499 190.461 102.060 5.412 48.802 8.701 93.347 94.716 26.339 103.904 145.142 9.842 42.786 43.800 6% 1.271 28.710 114.060 3.831 792.010 402.406 110.506 5.112 48.889 214.438 282.925 71.085 17.884 53.892 10.083 41.749 78.676 30.620 181.276 66.057 9% 1.405 39.310 4.730 60.283 123.698 87.494 38.536 10.786 20.713 19.090 16% 1.947 91.193 17.091 4.344 37.848 376.583 12.463 532.024 299.948 934.671 29.502 392.070 220.132 30.519 21.000 2.488 14.740 123.985 32.877 2314.727 51.215 4.985 7.312 616.120 2.995 44.847 236.058 84.037 179.590 380.403 79.996 50.765 62.491 120.486 1218.635 8% 1.978 13.190 44.200 32.966 113.750 61.019 29.933 128.210 69.334 155.140 3.413 127.379 44.663 546.877 8.749 791.882 1419.968 52.816 15.531 21.954 87.215 27.028 13.631 164.060 4.716 9.293 332.138 222.317 187.275 64.224 3134.974 41.772 35.258 18.015 23.969 34.034 56.762 23.000 2.420 17.117 154.676 74.914 3279.599 700.170 434.567 12.000 2.293 18.237 60.873 69.010 896.999 143.481 669.637 12.000 2.095 34.870 28.030 33.913 247.487 289.© American Management Association.649 2531.368 7.670 1943.561 22.487 16.223 984.422 32.871 150.931 128.214 91.159 57.196 72.141 22.953 47.444 118.491 13.181 14.267 581.159 72.504 888.725 68.494 342.947 16.104 377.494 181.599 51.673 84.811 5098.706 68.338 767.495 24.760 36.200 3.850 208.442 9.463 618.297 9.212 102.160 56.418 197.723 112.300 12.141 22.205 138.923 10.337 172.450 41.000 2.122 5.755 10.523 966.105 7.751 7.505 41.033 153.702 85.975 31.106 79.324 275.022 115.125 1538.699 227.154 9.199 356.342 4.870 18.784 17.085 59.404 37.026 Future Value of an Annuity Table 5% 1.006 53.913 160.628 107.073 110.603 120.387 1371.966 56.931 42.064 85.000 2.821 32.265 81.080 3.000 2.032 471.641 6.415 183.155 136.068 103.497 98.218 118.722 19.003 36.569 327.040 3.994 1954.448 442.529 306.000 2.025 15% 1. All rights reserved.434 8.378 552.503 456.172 211.599 21.453 34.902 19.127 330.301 46.312 47.818 60.713 26.286 9.811 22.654 10.740 186.014 9.003 52.439 758.110 3.030 4.941 259.859 14.742 8.113 54.754 11.457 60.645 18.982 215.214 290.825 23.785 36.977 21.246 5.200 11.913 9.000 2.394 9.142 15.374 200.299 80.291 7.026 16.020 3.389 3527.969 72.361 33.579 23.168 212.249 68.268 135.603 115.086 18.630 309.429 426.348 3903.573 484.191 1752.207 11.733 30.436 13.105 342.266 138.259 138.278 4.680 15.039 364.174 69.066 337.650 27.100 3.174 114.681 693.793 245.412 22.672 50.375 5.170 1014.883 37.491 1669.532 76.660 60.845 30.164 16.539 5.324 33.449 1040.214 8.184 5.243 29.747 831.150 3.405 10.508 45.362 337.276 25.499 20.599 20.717 65.088 337.190 3.152 7.632 159.042 479.669 58.841 157.688 1816.699 92.994 54.353 6.436 58.757 13.506 5.258 41.075 75.078 57.346 134.757 17% 1.280 40.633 7.162 715.248 36.089 10.423 55.937 18.645 27.125 258.673 543.414 25.024 21.112 811.431 571.148 102.233 14.888 30.239 24.292 20.129 33.468 7.440 4.129 27.000 2.319 1103.237 148.999 37.414 14.115 58.511 523.308 149.341 3539.237 392.459 38.412 14.273 2360.336 8.523 9.786 39.000 1.549 18.521 28.430 44.139 180.035 87.000 2.000 2.867 7.327 19.048 7343.436 104.027 1510.950 272.328 62.397 199.270 1120.323 66.521 482.671 35.820 342.539 33.951 158.505 47.000 1.086 23.228 7.204 6.666 765.886 2% 1.260 11.152 30.100 664.000 2.931 2456.002 71.440 5.303 530.646 44.009 4247.109 2045.347 109.814 23.115 8.097 17.598 81.393 27.783 27.117 26.713 1301.662 8.153 8.407 3.337 20.010 3.953 26.442 12.553 40.615 20.376 282.497 59.957 577.890 97.121 127.276 184.649 78.778 31.618 39.035 384.583 312.192 15.573 5.637 6.522 18% 1.067 90.308 7.297 118.810 137.768 92.021 15.227 46.000 2.334 176.045 24. 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 1% 1.622 1546.829 20% 1.712 283.346 1167.377 681.931 45.211 1030.207 12.640 79.077 44.762 7% 1.234 75.974 17.762 50.304 24.526 6.480 6.210 148.837 341.365 881.368 1426.258 1704.184 4.898 9.267 965.187 903.897 11.549 11.841 24.939 87.657 25.601 213.640 199.923 24.002 34.528 73.030 3.464 12.836 101.970 90.373 6119.503 55.850 96.520 431.000 2.610 8.486 15.207 15.102 203.450 34.297 25.943 201.182 121.906 33.753 46.930 12.719 38.711 236.523 15.401 4% 1.090 3.831 158.865 59.673 28.130 2.773 18.424 4646.498 1343.755 34.414 146.473 4.315 407.968 124.440 70.021 221.430 19.333 293.219 47.523 27.579 15.133 37.659 133.310 5.299 4163.157 21.309 6.761 75.426 36.841 66.091 1013.343 104.561 185.822 2034.683 13.701 66.888 20.066 35.973 28.799 25.894 2288.285 22.214 145.404 47.380 134.420 19.709 30.808 292.977 11.712 1151.166 165.522 681.164 422.710 6.470 104.180 45.950 12.094 241.122 4.446 45.683 12.051 38.939 64.575 164.070 3.15 1632.026 271.710 42.025 81.698 25.652 2144.150 39.840 33.816 54.982 470.

311 5.960 33.552 15.785 5.587 1.093 1.431 2.616 4.396 7.172 13.764 284.243 3.714 16.782 14% 1.835 11.288 8.004 3.395 3.648 3.732 1.212 76.124 1.574 26.286 7% 1.040 6% 1.194 21.633 34.360 1.389 1.535 6.988 8.563 311.100 111.062 1.325 9.003 155.646 10.370 2.335 1.733 3.852 199.604 3.114 7.743 15.668 1469.368 1.594 2.263 8.702 1.591 46.949 2.160 1.337 492.088 6.822 235.094 1.424 12.145 8.748 23.857 43.207 3.024 10.948 2.427 2.268 14.516 5.430 7.869 18% 19% 20% 1.138 8.172 3.232 74.167 3.660 3.407 1.288 2.668 17.142 45.348 1.008 54.630 1.323 1.106 27.186 277.807 5.800 74.874 2.861 20.011 2.700 115.079 13.177 219.316 4.519 341.998 456.604 6.986 3.125 202.177 4.245 1.884 15% 1.563 2.224 327.925 3.544 7.172 9 1.134 94.159 2.358 10.112 5.340 1.754 1224.179 17.486 21 1.158 1.920 4.967 130.261 2.850 99.172 18.081 93. All rights reserved.191 1.950 58.993 2.608 25 1.036 177.074 2.265 1.871 6.575 2.732 2.065 129.194 1.504 1.754 1.161 1.109 6.030 1.268 13 1.244 22.558 2.346 16 1.252 31.300 4.546 23 1.061 4 1.166 1.669 10.743 6.715 9.245 11.518 1.511 4.133 2.000 19.092 114.081 6.985 3.759 4.727 7.673 27 1.150 1.440 63.080 1.741 5.020 2 1.392 1.114 23.246 18.870 2.916 8.693 50.777 7.539 1.540 2.883 2.001 3.251 7.007 10.009 85.480 1.030 1.707 28 1.247 53.403 1.449 19.375 14.818 5.625 32.687 188.314 209.104 6 1.060 1.886 1.690 8.145 1.386 3.623 9.822 21.344 1.463 16.367 2.946 4.538 4.913 34.105 1.999 3.127 1.629 261.243 12 1.602 1.170 1.439 4.180 83.206 45.297 50.230 1.140 1.010 1.399 10.188 1.138 1.631 281.345 81.813 3.501 155.232 16.400 18 1.© American Management Association.210 1.728 1.026 12.373 17 1.147 8.838 1.666 2.405 1.925 267.338 32.154 9.469 1.062 8.217 1.317 10.037 524.153 7.820 4.669 77.061 1.400 3.435 4.040 3 1.806 1.999 2.208 3% 1.642 3.119 3.404 41.772 1.548 28.082 2.811 2.116 4.759 2.040 1.216 1.375 1.936 6.170 1.388 95.396 73.873 1.851 1.308 1.946 152.704 10.417 2.105 2.204 44.358 2.892 25.452 326.252 3.116 44.004 37.117 5.785 5.026 3.898 2.196 1.725 9% 1.803 4.776 30 1.079 2.785 15.469 1.305 1.012 2.911 8.325 23.051 13% 1.474 2.521 1.231 23.599 9.996 4.226 4.437 28.477 1.385 6.342 3.828 1.883 4.270 1.305 2.109 65.624 22.380 3.201 49.369 1. Future Value Tabl 1% 2% 1 1.974 2.801 1.208 1.059 3.792 6.625 20.488 16.000 63.321 1.629 1.468 14.332 389.313 2.575 12.987 117.896 4.898 2.412 1.629 37.115 21.070 1.176 153.426 16.427 5.107 2.144 2.407 14.076 2.034 31.300 1.106 3.414 22.049 4.041 1.560 6.430 4.094 2.574 1.103 1.559 65.518 4.479 3.276 1.190 1.627 9.149 8 1.211 2.606 1.765 5.026 2.884 26.357 2.816 31.341 6.069 81.316 1.516 22 1.762 1.739 18.528 52.186 19.072 3.503 284.189 197.410 2.805 133.842 2.978 10.822 5.076 8.804 12.665 1.995 14.879 19.586 115.720 2.136 66.616 39.186 30.506 132.100 2.565 100.818 47.393 32.627 18.800 59.840 2.419 1.020 1.948 27.968 17.728 20.643 1.850 10.225 1.523 13.157 2.200 1.278 3.416 1.934 11.054 5.535 50.491 145.373 3.104 4.122 39 1.319 15 1.685 1.954 9.925 2.834 127.561 1.700 2.220 1.253 5.595 5.426 3.763 17.853 3.756 58.434 708.328 4.777 72.445 2.262 4% 1.225 3.195 10 1.579 2.649 7.191 2.182 18.980 2.130 6.590 15.046 4.180 1.653 1.653 2.750 29.612 8.212 26.053 98.232 1.794 3.141 4.460 2.549 4.262 1.718 1.129 16.623 23.267 1.474 6.403 1.868 11.986 9.462 15.195 2.501 1.126 1.429 38.675 635.239 13.661 5.811 31 1.397 2.005 38.676 13.379 3.997 440.324 38.332 2.126 7 1.556 3.543 232.677 1.518 2.703 624.056 13.116 1.147 11.000 36 1.580 20.895 6.335 4.185 3.276 10.651 1020.254 26.050 1.814 2.266 10.613 9.292 4.949 9.149 1.259 11% 1.001 12% 1.294 14 1.378 1051.645 24.083 66.436 2.164 242.252 2.330 14.864 16% 1.423 1.331 1.488 2.234 5.457 20 1.836 4.207 410.159 1.482 1.072 1.465 2.841 7.677 11.967 2.513 1.251 24.617 3.914 883.624 6.414 55.485 86.176 6.939 2.461 22.710 1.580 2.437 5.390 39.032 79.064 8.183 2.652 5.520 134.102 30.298 533.003 5.268 4.539 12.123 243.167 12.991 27.206 31.232 1.773 3.641 26 1.021 14.295 1.675 237.974 2.484 378.870 4.848 32 1.152 176.508 3.927 111.589 137.797 4.215 75.772 .937 3.310 4.752 38.741 29 1.791 1.594 1.160 5.261 7.916 1.717 5.558 1.254 1.922 34 1.883 208.410 28.947 56.772 2.777 19.949 92.411 5.386 2.874 47.443 180.575 66.257 1.737 12.891 28.311 1.140 8.376 35.705 7.452 3.853 3.492 6.409 10% 1.258 7.308 34.748 12.376 169.040 21.887 5.582 42.400 8.137 9.254 7.918 13.500 2.685 1.659 7.562 538.371 184.295 1.443 1.361 1.814 143.418 5.120 1.899 333.539 1.165 40 1.974 13.919 37.005 2.701 590.100 13.218 11 1.605 1.611 1.075 3.282 1.072 5.652 2.854 3.145 45.138 3.034 5.143 52.886 7.810 750.108 4.092 47.371 102.221 2.292 2.596 10.184 1.796 1.100 1.807 6.658 3.672 19.970 4.988 9.885 33 1.961 35 1.082 5 1.197 11.024 103.192 6.224 13.426 1.668 387.673 22.338 1.109 30.714 1.476 2.152 3.555 37.686 8.421 15.462 30.551 1.076 850.384 1.502 2.475 87.346 1.081 38 1.063 10.083 1.021 4.192 2.051 1.367 18.788 21.363 4.407 2.453 6.839 11.700 3.350 6.110 1.172 2.116 6.066 57.006 43.369 1.173 1.080 16.090 1.144 87.845 121.288 2.362 23.801 5% 1.497 62.910 742.761 12.214 6.848 7.964 370.340 165.225 25.420 12.636 9.577 24 1.142 5.585 15.428 19 1.489 2.464 1.277 1.353 2.270 69.699 9.066 3.707 4.565 3.866 7.690 14.527 2.689 1.721 17% 1.583 3.437 92.839 3.159 3.033 2.167 34.110 14.860 1.260 1.826 3.923 55.952 3.898 5.786 2.689 1.440 1.802 456.693 2.082 1.214 27.580 7.498 3.649 66.137 9.067 7.236 40.279 2.863 17.947 8% 1.601 1.411 164.575 42.125 1.749 2.130 1.658 59.901 26.322 4.040 37 1.260 109.695 6.