APPENDIX

Interest and Annuity

Tables for Discrete
Compounding

For various values of i from 14 % to 25%

i = effective interest rate per period (usually one year)
N = number of compounding periods
(F/P, i%, N) = (1 + i)N
(P/F, i%, N) =

1
(1 + i)N

(F/A, i%, N) =

(1 + i)N 1
i

(P/A, i%, N) =

(1 + i)N 1
i(1 + i)N

i
(1 + i)N 1
i(1 + i)N
(A/P, i%, N) =
(1 + i)N 1



1 (1 + i)N 1
N
(P/G, i%, N) =

i
i(1 + i)N
(1 + i)N
(A/F, i%, N) =

(A/G, i%, N) =

N
1

i
(1 + i)N 1

631

To Find P
Given F
P/F

To Find F
Given P
F/P

1.0025
1.0050
1.0075
1.0100
1.0126

1.0151
1.0176
1.0202
1.0227
1.0253

1.0278
1.0304
1.0330
1.0356
1.0382

1.0408
1.0434
1.0460
1.0486
1.0512

1.0538
1.0565
1.0591
1.0618
1.0644

1.0778
1.0941
1.1050
1.1273
1.1616

1.1969
1.2334
1.2836

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

30
36
40
48
60

72
84
100

0.8355
0.8108
0.7790

0.9278
0.9140
0.9050
0.8871
0.8609

0.9489
0.9466
0.9442
0.9418
0.9395

0.9608
0.9584
0.9561
0.9537
0.9513

0.9729
0.9705
0.9681
0.9656
0.9632

0.9851
0.9827
0.9802
0.9778
0.9753

0.9975
0.9950
0.9925
0.9901
0.9876

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

78.7794
93.3419
113.4500

31.1133
37.6206
42.0132
50.9312
64.6467

21.5334
22.5872
23.6437
24.7028
25.7646

16.3035
17.3443
18.3876
19.4336
20.4822

11.1385
12.1664
13.1968
14.2298
15.2654

6.0376
7.0527
8.0704
9.0905
10.1133

1.0000
2.0025
3.0075
4.0150
5.0251

To Find F
Given A
F/A

Compound
Amount
Factor

65.8169
75.6813
88.3825
400.0000

28.8679
34.3865
38.0199
45.1787
55.6524

20.4334
21.3800
22.3241
23.2660
24.2055

15.6650
16.6235
17.5795
18.5332
19.4845

10.8368
11.8073
12.7753
13.7410
14.7042

5.9478
6.9305
7.9107
8.8885
9.8639

0.9975
1.9925
2.9851
3.9751
4.9627

To Find P
Given A
P/A

Present
Worth
Factor

0.0127
0.0107
0.0088

0.0321
0.0266
0.0238
0.0196
0.0155

0.0464
0.0443
0.0423
0.0405
0.0388

0.0613
0.0577
0.0544
0.0515
0.0488

0.0898
0.0822
0.0758
0.0703
0.0655

0.1656
0.1418
0.1239
0.1100
0.0989

1.0000
0.4994
0.3325
0.2491
0.1990

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-1 Discrete Compounding; i = 14 %

0.0152
0.0132
0.0113
0.0025

0.0346
0.0291
0.0263
0.0221
0.0180

0.0489
0.0468
0.0448
0.0430
0.0413

0.0638
0.0602
0.0569
0.0540
0.0513

0.0923
0.0847
0.0783
0.0728
0.0680

0.1681
0.1443
0.1264
0.1125
0.1014

1.0025
0.5019
0.3350
0.2516
0.2015

To Find A
Given P
A/P

Capital
Recovery
Factor

2265.557
3029.759
4191.242

413.185
592.499
728.740
1040.055
1600.085

202.463
222.341
243.113
264.775
287.323

116.657
131.992
148.245
165.411
183.485

53.913
64.589
76.205
88.759
102.244

14.826
20.722
27.584
35.406
44.184

0.000
0.995
2.980
5.950
9.901

To Find P
Given G
P/G

34.4221
40.0331
47.4216

14.3130
17.2306
19.1673
23.0209
28.7514

9.9085
10.3995
10.8901
11.3804
11.8702

7.4469
7.9401
8.4328
8.9251
9.4170

4.9750
5.4702
5.9650
6.4594
6.9534

2.4927
2.9900
3.4869
3.9834
4.4794

0.0000
0.4994
0.9983
1.4969
1.9950

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

72
84
100

30
36
40
48
60

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

To Find P
Given F
P/F

To Find F
Given P
F/P

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

1.1614
1.1967
1.2208
1.2705
1.3489

1.4320
1.5204
1.6467

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

30
36
40
48
60

72
84
100

0.6983
0.6577
0.6073

0.8610
0.8356
0.8191
0.7871
0.7414

0.9006
0.8961
0.8916
0.8872
0.8828

0.9233
0.9187
0.9141
0.9096
0.9051

0.9466
0.9419
0.9372
0.9326
0.9279

0.9705
0.9657
0.9609
0.9561
0.9513

0.9950
0.9901
0.9851
0.9802
0.9754

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

86.4089
104.0739
129.3337

32.2800
39.3361
44.1588
54.0978
69.7700

22.0840
23.1944
24.3104
25.4320
26.5591

16.6142
17.6973
18.7858
19.8797
20.9791

11.2792
12.3356
13.3972
14.4642
15.5365

6.0755
7.1059
8.1414
9.1821
10.2280

1.0000
2.0050
3.0150
4.0301
5.0503

To Find F
Given A
F/A

Compound
Amount
Factor

60.3395
68.4530
78.5426
200.0000

27.7941
32.8710
36.1722
42.5803
51.7256

19.8880
20.7841
21.6757
22.5629
23.4456

15.3399
16.2586
17.1728
18.0824
18.9874

10.6770
11.6189
12.5562
13.4887
14.4166

5.8964
6.8621
7.8230
8.7791
9.7304

0.9950
1.9851
2.9702
3.9505
4.9259

To Find P
Given A
P/A

Present
Worth
Factor

0.0116
0.0096
0.0077

0.0310
0.0254
0.0226
0.0185
0.0143

0.0453
0.0431
0.0411
0.0393
0.0377

0.0602
0.0565
0.0532
0.0503
0.0477

0.0887
0.0811
0.0746
0.0691
0.0644

0.1646
0.1407
0.1228
0.1089
0.0978

1.0000
0.4988
0.3317
0.2481
0.1980

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-2 Discrete Compounding; i = 12 %

0.0166
0.0146
0.0127
0.0050

0.0360
0.0304
0.0276
0.0235
0.0193

0.0503
0.0481
0.0461
0.0443
0.0427

0.0652
0.0615
0.0582
0.0553
0.0527

0.0937
0.0861
0.0796
0.0741
0.0694

0.1696
0.1457
0.1278
0.1139
0.1028

1.0050
0.5038
0.3367
0.2531
0.2030

To Find A
Given P
A/P

Capital
Recovery
Factor

2012.348
2640.664
3562.793

392.632
557.560
681.335
959.919
1448.646

195.243
214.061
233.677
254.082
275.269

113.424
128.123
143.663
160.036
177.232

52.853
63.214
74.460
86.584
99.574

14.655
20.449
27.176
34.824
43.387

0.000
0.990
2.960
5.901
9.803

To Find P
Given G
P/G

33.3504
38.5763
45.3613

14.1265
16.9621
18.8359
22.5437
28.0064

9.8172
10.2993
10.7806
11.2611
11.7407

7.3940
7.8803
8.3658
8.8504
9.3342

4.9501
5.4406
5.9302
6.4190
6.9069

2.4855
2.9801
3.4738
3.9668
4.4589

0.0000
0.4988
0.9967
1.4938
1.9900

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

72
84
100

30
36
40
48
60

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

To Find P
Given F
P/F

To Find F
Given P
F/P

1.0075
1.0151
1.0227
1.0303
1.0381

1.0459
1.0537
1.0616
1.0696
1.0776

1.0857
1.0938
1.1020
1.1103
1.1186

1.1270
1.1354
1.1440
1.1525
1.1612

1.1699
1.1787
1.1875
1.1964
1.2054

1.2513
1.3086
1.3483
1.4314
1.5657

1.7126
1.8732
2.1111

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

30
36
40
48
60

72
84
100

0.5839
0.5338
0.4737

0.7992
0.7641
0.7416
0.6986
0.6387

0.8548
0.8484
0.8421
0.8358
0.8296

0.8873
0.8807
0.8742
0.8676
0.8612

0.9211
0.9142
0.9074
0.9007
0.8940

0.9562
0.9490
0.9420
0.9350
0.9280

0.9926
0.9852
0.9778
0.9706
0.9633

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

95.0070
116.4269
148.1445

33.5029
41.1527
46.4464
57.5207
75.4241

22.6524
23.8223
25.0010
26.1885
27.3849

16.9323
18.0593
19.1947
20.3387
21.4912

11.4219
12.5076
13.6014
14.7034
15.8137

6.1136
7.1595
8.2132
9.2748
10.3443

1.0000
2.0075
3.0226
4.0452
5.0756

To Find F
Given A
F/A

Compound
Amount
Factor

55.4768
62.1540
70.1746
133.3333

26.7751
34.4468
34.4469
40.1848
48.1734

19.3628
20.2112
21.0533
21.8891
22.7188

15.0243
15.9050
16.7792
17.6468
18.5080

10.5207
11.4349
12.3423
13.2430
14.1370

5.8456
6.7946
7.7366
8.6716
9.5996

0.9926
1.9777
2.9556
3.9261
4.8894

To Find P
Given A
P/A

Present
Worth
Factor

0.0105
0.0086
0.0068

0.0298
0.0243
0.0215
0.0174
0.0133

0.0441
0.0420
0.0400
0.0382
0.0365

0.0591
0.0554
0.0521
0.0492
0.0465

0.0876
0.0800
0.0735
0.0680
0.0632

0.1636
0.1397
0.1218
0.1078
0.0967

1.0000
0.4981
0.3308
0.2472
0.1970

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-3 Discrete Compounding; i = 34 %

0.0180
0.0161
0.0143
0.0075

0.0373
0.0318
0.0290
0.0249
0.0208

0.0516
0.0495
0.0475
0.0457
0.0440

0.0666
0.0629
0.0596
0.0567
0.0540

0.0951
0.0875
0.0810
0.0755
0.0707

0.1711
0.1472
0.1293
0.1153
0.1042

1.0075
0.5056
0.3383
0.2547
0.2045

To Find A
Given P
A/P

Capital
Recovery
Factor

1791.246
2308.128
3040.745

373.263
524.992
637.469
886.840
1313.519

188.325
206.142
224.668
243.892
263.803

110.297
124.389
139.249
154.867
171.230

51.817
61.874
72.763
84.472
96.988

14.487
20.181
26.775
34.254
42.606

0.000
0.985
2.941
5.853
9.706

To Find P
Given G
P/G

32.2882
37.1357
43.3311

13.9407
16.6946
18.5058
22.0691
27.2665

9.7261
10.1994
10.6714
11.1422
11.6117

7.3413
7.8207
8.2989
8.7759
9.2516

4.9253
5.4110
5.8954
6.3786
6.8606

2.4782
2.9701
3.4608
3.9502
4.4384

0.0000
0.4981
0.9950
1.4907
1.9851

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

72
84
100

30
36
40
48
60

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

To Find P
Given F
P/F

To Find F
Given P
F/P

1.0100
1.0201
1.0303
1.0406
1.0510

1.0615
1.0721
1.0829
1.0937
1.1046

1.1157
1.1268
1.1381
1.1495
1.1610

1.1726
1.1843
1.1961
1.2081
1.2202

1.2324
1.2447
1.2572
1.2697
1.2824

1.3478
1.4308
1.4889
1.6122
1.8167

2.0471
2.3067
2.7048

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

30
36
40
48
60

72
84
100

0.4885
0.4335
0.3697

0.7419
0.6989
0.6717
0.6203
0.5504

0.8114
0.8034
0.7954
0.7876
0.7798

0.8528
0.8444
0.8360
0.8277
0.8195

0.8963
0.8874
0.8787
0.8700
0.8613

0.9420
0.9327
0.9235
0.9143
0.9053

0.9901
0.9803
0.9706
0.9610
0.9515

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

104.7099
130.6723
170.4814

34.7849
43.0769
48.8863
61.2226
81.6697

23.2392
24.4716
25.7163
26.9734
28.2432

17.2579
18.4304
19.6147
20.8109
22.0190

11.5668
12.6825
13.8093
14.9474
16.0969

6.1520
7.2135
8.2857
9.3685
10.4622

1.0000
2.0100
3.0301
4.0604
5.1010

To Find F
Given A
F/A

Compound
Amount
Factor

51.1504
56.6485
63.0289
100.0000

25.8077
30.1075
32.8346
37.9740
44.9550

18.8570
19.6604
20.4558
21.2434
22.0232

14.7179
15.5623
16.3983
17.2260
18.0456

10.3676
11.2551
12.1337
13.0037
13.8651

5.7955
6.7282
7.6517
8.5660
9.4713

0.9901
1.9704
2.9410
3.9020
4.8534

To Find P
Given A
P/A

Present
Worth
Factor

0.0096
0.0077
0.0059

0.0287
0.0232
0.0205
0.0163
0.0122

0.0430
0.0409
0.0389
0.0371
0.0354

0.0579
0.0543
0.0510
0.0481
0.0454

0.0865
0.0788
0.0724
0.0669
0.0621

0.1625
0.1386
0.1207
0.1067
0.0956

1.0000
0.4975
0.3300
0.2463
0.1960

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-4 Discrete Compounding; i = 1%

0.0196
0.0177
0.0159
0.0100

0.0387
0.0332
0.0305
0.0263
0.0222

0.0530
0.0509
0.0489
0.0471
0.0454

0.0679
0.0643
0.0610
0.0581
0.0554

0.0965
0.0888
0.0824
0.0769
0.0721

0.1725
0.1486
0.1307
0.1167
0.1056

1.0100
0.5075
0.3400
0.2563
0.2060

To Find A
Given P
A/P

Capital
Recovery
Factor

1597.867
2023.315
2605.776

355.002
494.621
596.856
820.146
1192.806

181.695
198.566
216.066
234.180
252.895

107.273
120.783
134.996
149.895
165.466

50.807
60.569
71.113
82.422
94.481

14.321
19.917
26.381
33.696
41.844

0.000
0.980
2.922
5.804
9.610

To Find P
Given G
P/G

31.2386
35.7170
41.3426

13.7557
16.4285
18.1776
21.5976
26.5333

9.6354
10.0998
10.5626
11.0237
11.4831

7.2886
7.7613
8.2323
8.7017
9.1694

4.9005
5.3815
5.8607
6.3384
6.8143

2.4710
2.9602
3.4478
3.9337
4.4179

0.0000
0.4975
0.9934
1.4876
1.9801

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

72
84
100

30
36
40
48
60

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

To Find P
Given F
P/F

To Find F
Given P
F/P

1.0200
1.0404
1.0612
1.0824
1.1041

1.1262
1.1487
1.1717
1.1951
1.2190

1.2434
1.2682
1.2936
1.3195
1.3459

1.3728
1.4002
1.4282
1.4568
1.4859

1.5157
1.5460
1.5769
1.6084
1.6406

1.8114
2.0399
2.2080
2.5871
3.2810

4.1611
5.2773
7.2446

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

30
36
40
48
60

72
84
100

0.2403
0.1895
0.1380

0.5521
0.4902
0.4529
0.3865
0.3048

0.6598
0.6468
0.6342
0.6217
0.6095

0.7284
0.7142
0.7002
0.6864
0.6730

0.8043
0.7885
0.7730
0.7579
0.7430

0.8880
0.8706
0.8535
0.8368
0.8203

0.9804
0.9612
0.9423
0.9238
0.9057

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

158.0570
213.8666
312.2323

40.5681
51.9944
60.4020
79.3535
114.0515

25.7833
27.2990
28.8450
30.4219
32.0303

18.6393
20.0121
21.4123
22.8406
24.2974

12.1687
13.4121
14.6803
15.9739
17.2934

6.3081
7.4343
8.5830
9.7546
10.9497

1.0000
2.0200
3.0604
4.1216
5.2040

To Find F
Given A
F/A

Compound
Amount
Factor

37.9841
40.5255
43.0984
50.0000

22.3965
25.4888
27.3555
30.6731
34.7609

17.0112
17.6580
18.2922
18.9139
19.5235

13.5777
14.2919
14.9920
15.6785
16.3514

9.7868
10.5753
11.3484
12.1062
12.8493

5.6014
6.4720
7.3255
8.1622
8.9826

0.9804
1.9416
2.8839
3.8077
4.7135

To Find P
Given A
P/A

Present
Worth
Factor

0.0063
0.0047
0.0032

0.0246
0.0192
0.0166
0.0126
0.0088

0.0388
0.0366
0.0347
0.0329
0.0312

0.0537
0.0500
0.0467
0.0438
0.0412

0.0822
0.0746
0.0681
0.0626
0.0578

0.1585
0.1345
0.1165
0.1025
0.0913

1.0000
0.4950
0.3268
0.2426
0.1922

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-5 Discrete Compounding; i = 2%

0.0263
0.0247
0.0232
0.0200

0.0446
0.0392
0.0366
0.0326
0.0288

0.0588
0.0566
0.0547
0.0529
0.0512

0.0737
0.0700
0.0667
0.0638
0.0612

0.1022
0.0946
0.0881
0.0826
0.0778

0.1785
0.1545
0.1365
0.1225
0.1113

1.0200
0.5150
0.3468
0.2626
0.2122

To Find A
Given P
A/P

Capital
Recovery
Factor

1034.056
1230.419
1464.753

291.716
392.041
461.993
605.966
823.698

157.796
171.380
185.331
199.631
214.259

96.129
107.555
119.458
131.814
144.600

46.998
55.671
64.948
74.800
85.202

13.680
18.904
24.878
31.572
38.955

0.000
0.961
2.846
5.617
9.240

To Find P
Given G
P/G

27.2234
30.3616
33.9863

13.0251
15.3809
16.8885
19.7556
23.6961

9.2760
9.7055
10.1317
10.5547
10.9745

7.0799
7.5256
7.9681
8.4073
8.8433

4.8021
5.2642
5.7231
6.1786
6.6309

2.4423
2.9208
3.3961
3.8681
4.3367

0.0000
0.4950
0.9868
1.4752
1.9604

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

72
84
100

30
36
40
48
60

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

To Find P
Given F
P/F

To Find F
Given P
F/P

1.0300
1.0609
1.0927
1.1255
1.1593

1.1941
1.2299
1.2668
1.3048
1.3439

1.3842
1.4258
1.4685
1.5126
1.5580

1.6047
1.6528
1.7024
1.7535
1.8061

1.8603
1.9161
1.9736
2.0328
2.0938

2.4273
2.8139
3.2620
3.7816
4.3839

5.8916
10.6409
19.2186

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

30
35
40
45
50

60
80
100

0.1697
0.0940
0.0520

0.4120
0.3554
0.3066
0.2644
0.2281

0.5375
0.5219
0.5067
0.4919
0.4776

0.6232
0.6050
0.5874
0.5703
0.5537

0.7224
0.7014
0.6810
0.6611
0.6419

0.8375
0.8131
0.7894
0.7664
0.7441

0.9709
0.9426
0.9151
0.8885
0.8626

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

163.0534
321.3630
607.2877

47.5754
60.4621
75.4012
92.7199
112.7969

28.6765
30.5368
32.4529
34.4265
36.4593

20.1569
21.7616
23.4144
25.1169
26.8704

12.8078
14.1920
15.6178
17.0863
18.5989

6.4684
7.6625
8.8923
10.1591
11.4639

1.0000
2.0300
3.0909
4.1836
5.3091

To Find F
Given A
F/A

Compound
Amount
Factor

27.6756
30.2008
31.5989
33.3333

19.6004
21.4872
23.1148
24.5187
25.7298

15.4150
15.9369
16.4436
16.9355
17.4131

12.5611
13.1661
13.7535
14.3238
14.8775

9.2526
9.9540
10.6350
11.2961
11.9379

5.4172
6.2303
7.0197
7.7861
8.5302

0.9709
1.9135
2.8286
3.7171
4.5797

To Find P
Given A
P/A

Present
Worth
Factor

0.0061
0.0031
0.0016

0.0210
0.0165
0.0133
0.0108
0.0089

0.0349
0.0327
0.0308
0.0290
0.0274

0.0496
0.0460
0.0427
0.0398
0.0372

0.0781
0.0705
0.0640
0.0585
0.0538

0.1546
0.1305
0.1125
0.0984
0.0872

1.0000
0.4926
0.3235
0.2390
0.1884

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-6 Discrete Compounding; i = 3%

0.0361
0.0331
0.0316
0.0300

0.0510
0.0465
0.0433
0.0408
0.0389

0.0649
0.0627
0.0608
0.0590
0.0574

0.0796
0.0760
0.0727
0.0698
0.0672

0.1081
0.1005
0.0940
0.0885
0.0838

0.1846
0.1605
0.1425
0.1284
0.1172

1.0300
0.5226
0.3535
0.2690
0.2184

To Find A
Given P
A/P

Capital
Recovery
Factor

583.053
756.087
879.854

241.361
301.627
361.750
420.633
477.480

137.550
148.509
159.657
170.971
182.434

86.348
96.028
106.014
116.279
126.799

43.533
51.248
59.420
68.014
77.000

13.076
17.955
23.481
29.612
36.309

0.000
0.943
2.773
5.438
8.889

To Find P
Given G
P/G

21.0674
25.0353
27.8444

12.3141
14.0375
15.6502
17.1556
18.5575

8.9231
7.3186
9.7093
10.0954
10.4768

6.8742
7.2936
7.7081
8.1179
8.5229

4.7049
5.1485
5.5872
6.0210
6.4500

2.4138
2.8819
3.3450
3.8032
4.2565

0.0000
0.4926
0.9803
1.4631
1.9409

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60
80
100

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

To Find P
Given F
P/F

To Find F
Given P
F/P

1.0400
1.0816
1.1249
1.1699
1.2167

1.2653
1.3159
1.3686
1.4233
1.4802

1.5395
1.6010
1.6651
1.7317
1.8009

1.8730
1.9479
2.0258
2.1068
2.1911

2.2788
2.3699
2.4647
2.5633
2.6658

3.2434
3.9461
4.8010
5.8412
7.1067

10.5196
23.0498
50.5049

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

30
35
40
45
50

60
80
100

0.0951
0.0434
0.0198

0.3083
0.2534
0.2083
0.1712
0.1407

0.4388
0.4220
0.4057
0.3901
0.3751

0.5339
0.5134
0.4936
0.4746
0.4564

0.6496
0.6246
0.6006
0.5775
0.5553

0.7903
0.7599
0.7307
0.7026
0.6756

0.9615
0.9246
0.8890
0.8548
0.8219

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

237.9907
551.2450
1237.6237

56.0849
73.6522
95.0255
121.0294
152.6671

31.9692
34.2480
36.6179
39.0826
41.6459

21.8245
23.6975
25.6454
27.6712
29.7781

13.4864
15.0258
16.6268
18.2919
20.0236

6.6330
7.8983
9.2142
10.5828
12.0061

1.0000
2.0400
3.1216
4.2465
5.4163

To Find F
Given A
F/A

Compound
Amount
Factor

22.6235
23.9154
24.5050
25.0000

17.2920
18.6646
19.7928
20.7200
21.4822

14.0292
14.4511
14.8568
15.2470
15.6221

11.6523
12.1657
12.6593
13.1339
13.5903

8.7605
9.3851
9.9856
10.5631
11.1184

5.2421
6.0021
6.7327
7.4353
8.1109

0.9615
1.8861
2.7751
3.6299
4.4518

To Find P
Given A
P/A

Present
Worth
Factor

0.0042
0.0018
0.0008

0.0178
0.0136
0.0105
0.0083
0.0066

0.0313
0.0292
0.0273
0.0256
0.0240

0.0458
0.0422
0.0390
0.0361
0.0336

0.0741
0.0666
0.0601
0.0547
0.0499

0.1508
0.1266
0.1085
0.0945
0.0833

1.0000
0.4902
0.3203
0.2355
0.1846

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-7 Discrete Compounding; i = 4%

0.0442
0.0418
0.0408
0.0400

0.0578
0.0536
0.0505
0.0483
0.0466

0.0713
0.0692
0.0673
0.0656
0.0640

0.0858
0.0822
0.0790
0.0761
0.0736

0.1141
0.1066
0.1001
0.0947
0.0899

0.1908
0.1666
0.1485
0.1345
0.1233

1.0400
0.5302
0.3603
0.2755
0.2246

To Find A
Given P
A/P

Capital
Recovery
Factor

422.997
511.116
563.125

201.062
244.877
286.530
325.403
361.164

120.341
129.202
138.128
147.101
156.104

77.744
85.958
94.350
102.893
111.565

40.377
47.248
54.455
61.962
69.736

12.506
17.066
22.181
27.801
33.881

0.000
0.925
2.703
5.267
8.555

To Find P
Given G
P/G

18.6972
21.3718
22.9800

11.6274
13.1198
14.4765
15.7047
16.8122

8.5779
8.9407
9.2973
9.6479
9.9925

6.6720
7.0656
7.4530
7.8342
8.2091

4.6090
5.0343
5.4533
5.8659
6.2721

2.3857
2.8433
3.2944
3.7391
4.1773

0.0000
0.4902
0.9739
1.4510
1.9216

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60
80
100

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

To Find P
Given F
P/F

To Find F
Given P
F/P

1.0500
1.1025
1.1576
1.2155
1.2763

1.3401
1.4071
1.4775
1.5513
1.6289

1.7103
1.7959
1.8856
1.9799
2.0789

2.1829
2.2920
2.4066
2.5270
2.6533

2.7860
2.9253
3.0715
3.2251
3.3864

4.3219
5.5160
7.0400
8.9850
11.4674

18.6792
49.5614
131.5013

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

30
35
40
45
50

60
80
100

0.0535
0.0202
0.0076

0.2314
0.1813
0.1420
0.1113
0.0872

0.3589
0.3418
0.3256
0.3101
0.2953

0.4581
0.4363
0.4155
0.3957
0.3769

0.5847
0.5568
0.5303
0.5051
0.4810

0.7462
0.7107
0.6768
0.6446
0.6139

0.9524
0.9070
0.8638
0.8227
0.7835

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

353.5837
971.2288
2610.0252

66.4388
90.3203
120.7998
159.7002
209.3480

35.7193
38.5052
41.4305
44.5020
47.7271

23.6575
25.8404
28.1324
30.5390
33.0660

14.2068
15.9171
17.7130
19.5986
21.5786

6.8019
8.1420
9.5491
11.0266
12.5779

1.0000
2.0500
3.1525
4.3101
5.5256

To Find F
Given A
F/A

Compound
Amount
Factor

18.9293
19.5965
19.8479
20.0000

15.3725
16.3742
17.1591
17.7741
18.2559

12.8212
13.1630
13.4886
13.7986
14.0939

10.8378
11.2741
11.6896
12.0853
12.4622

8.3064
8.8633
9.3936
9.8986
10.3797

5.0757
5.7864
6.4632
7.1078
7.7217

0.9524
1.8594
2.7232
3.5460
4.3295

To Find P
Given A
P/A

Present
Worth
Factor

0.0028
0.0010
0.0004

0.0151
0.0111
0.0083
0.0063
0.0048

0.0280
0.0260
0.0241
0.0225
0.0210

0.0423
0.0387
0.0355
0.0327
0.0302

0.0704
0.0628
0.0565
0.0510
0.0463

0.1470
0.1228
0.1047
0.0907
0.0795

1.0000
0.4878
0.3172
0.2320
0.1810

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-8 Discrete Compounding; i = 5%

0.0528
0.0510
0.0504
0.0500

0.0651
0.0611
0.0583
0.0563
0.0548

0.0780
0.0760
0.0741
0.0725
0.0710

0.0923
0.0887
0.0855
0.0827
0.0802

0.1204
0.1128
0.1065
0.1010
0.0963

0.1970
0.1728
0.1547
0.1407
0.1295

1.0500
0.5378
0.3672
0.2820
0.2310

To Find A
Given P
A/P

Capital
Recovery
Factor

314.343
359.646
381.749

168.623
200.581
229.545
255.315
277.915

105.667
112.846
120.009
127.140
134.228

70.160
77.141
84.204
91.328
98.488

37.499
43.624
49.988
56.554
63.288

11.968
16.232
20.970
26.127
31.652

0.000
0.907
2.635
5.103
8.237

To Find P
Given G
P/G

16.6062
18.3526
19.2337

10.9691
12.2498
13.3775
14.3644
15.2233

8.2416
8.5730
8.8971
9.2140
9.5238

6.4736
6.8423
7.2034
7.5569
7.9030

4.5144
4.9219
5.3215
5.7133
6.0973

2.3579
2.8052
3.2445
3.6758
4.0991

0.0000
0.4878
0.9675
1.4391
1.9025

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60
80
100

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

To Find P
Given F
P/F

To Find F
Given P
F/P

1.0600
1.1236
1.1910
1.2625
1.3382

1.4185
1.5036
1.5938
1.6895
1.7908

1.8983
2.0122
2.1329
2.2609
2.3966

2.5404
2.6928
2.8543
3.0256
3.2071

3.3996
3.6035
3.8197
4.0489
4.2919

5.7435
7.6861
10.2857
13.7646
18.4202

32.9877
105.7960
339.3021

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

30
35
40
45
50

60
80
100

0.0303
0.0095
0.0029

0.1741
0.1301
0.0972
0.0727
0.0543

0.2942
0.2775
0.2618
0.2470
0.2330

0.3936
0.3714
0.3503
0.3305
0.3118

0.5268
0.4970
0.4688
0.4423
0.4173

0.7050
0.6651
0.6274
0.5919
0.5584

0.9434
0.8900
0.8396
0.7921
0.7473

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

533.1282
1746.5999
5638.3681

79.0582
111.4348
154.7620
212.7435
290.3359

39.9927
43.3923
46.9958
50.8156
54.8645

25.6725
28.2129
30.9057
33.7600
36.7856

14.9716
16.8699
18.8821
21.0151
23.2760

6.9753
8.3938
9.8975
11.4913
13.1808

1.0000
2.0600
3.1836
4.3746
5.6371

To Find F
Given A
F/A

Compound
Amount
Factor

16.1614
16.5091
16.6175
16.6667

13.7648
14.4982
15.0463
15.4558
15.7619

11.7641
12.0416
12.3034
12.5504
12.7834

10.1059
10.4773
10.8276
11.1581
11.4699

7.8869
8.3838
8.8527
9.2950
9.7122

4.9173
5.5824
6.2098
6.8017
7.3601

0.9434
1.8334
2.6730
3.4651
4.2124

To Find P
Given A
P/A

Present
Worth
Factor

0.0019
0.0006
0.0002

0.0126
0.0090
0.0065
0.0047
0.0034

0.0250
0.0230
0.0213
0.0197
0.0182

0.0390
0.0354
0.0324
0.0296
0.0272

0.0668
0.0593
0.0530
0.0476
0.0430

0.1434
0.1191
0.1010
0.0870
0.0759

1.0000
0.4854
0.3141
0.2286
0.1774

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-9 Discrete Compounding; i = 6%

0.0619
0.0606
0.0602
0.0600

0.0726
0.0690
0.0665
0.0647
0.0634

0.0850
0.0830
0.0813
0.0797
0.0782

0.0990
0.0954
0.0924
0.0896
0.0872

0.1268
0.1193
0.1130
0.1076
0.1030

0.2034
0.1791
0.1610
0.1470
0.1359

1.0600
0.5454
0.3741
0.2886
0.2374

To Find A
Given P
A/P

Capital
Recovery
Factor

239.043
262.549
272.047

142.359
165.743
185.957
203.110
217.457

93.114
98.941
104.701
110.381
115.973

63.459
69.401
75.357
81.306
87.230

34.870
40.337
45.963
51.713
57.555

11.459
15.450
19.842
24.577
29.602

0.000
0.890
2.569
4.946
7.935

To Find P
Given G
P/G

14.7909
15.9033
16.3711

10.3422
11.4319
12.3590
13.1413
13.7964

7.9151
8.2166
8.5099
8.7951
9.0722

6.2794
6.6240
6.9597
7.2867
7.6051

4.4213
4.8113
5.1920
5.5635
5.9260

2.3304
2.7676
3.1952
3.6133
4.0220

0.0000
0.4854
0.9612
1.4272
1.8836

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60
80
100

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

To Find P
Given F
P/F

To Find F
Given P
F/P

1.0700
1.1449
1.2250
1.3108
1.4026

1.5007
1.6058
1.7182
1.8385
1.9672

2.1049
2.2522
2.4098
2.5785
2.7590

2.9522
3.1588
3.3799
3.6165
3.8697

4.1406
4.4304
4.7405
5.0724
5.4274

7.6123
10.6766
14.9745
21.0023
29.4570

57.9464
224.2344
867.7163

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

30
35
40
45
50

60
80
100

0.0173
0.0045
0.0012

0.1314
0.0937
0.0668
0.0476
0.0339

0.2415
0.2257
0.2109
0.1971
0.1842

0.3387
0.3166
0.2959
0.2765
0.2584

0.4751
0.4440
0.4150
0.3878
0.3624

0.6663
0.6227
0.5820
0.5439
0.5083

0.9346
0.8734
0.8163
0.7629
0.7130

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

813.5204
3189.0627
12381.6618

94.4608
138.2369
199.6351
285.7495
406.5289

44.8652
49.0057
53.4361
58.1767
63.2490

27.8881
30.8402
33.9990
37.3790
40.9955

15.7836
17.8885
20.1406
22.5505
25.1290

7.1533
8.6540
10.2598
11.9780
13.8164

1.0000
2.0700
3.2149
4.4399
5.7507

To Find F
Given A
F/A

Compound
Amount
Factor

14.0392
14.2220
14.2693
14.2857

12.4090
12.9477
13.3317
13.6055
13.8007

10.8355
11.0612
11.2722
11.4693
11.6536

9.4466
9.7632
10.0591
10.3356
10.5940

7.4987
7.9427
8.3577
8.7455
9.1079

4.7665
5.3893
5.9713
6.5152
7.0236

0.9346
1.8080
2.6243
3.3872
4.1002

To Find P
Given A
P/A

Present
Worth
Factor

0.0012
0.0003
0.0001

0.0106
0.0072
0.0050
0.0035
0.0025

0.0223
0.0204
0.0187
0.0172
0.0158

0.0359
0.0324
0.0294
0.0268
0.0244

0.0634
0.0559
0.0497
0.0443
0.0398

0.1398
0.1156
0.0975
0.0835
0.0724

1.0000
0.4831
0.3111
0.2252
0.1739

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-10 Discrete Compounding; i = 7%

0.0712
0.0703
0.0701
0.0700

0.0806
0.0772
0.0750
0.0735
0.0725

0.0923
0.0904
0.0887
0.0872
0.0858

0.1059
0.1024
0.0994
0.0968
0.0944

0.1334
0.1259
0.1197
0.1143
0.1098

0.2098
0.1856
0.1675
0.1535
0.1424

1.0700
0.5531
0.3811
0.2952
0.2439

To Find A
Given P
A/P

Capital
Recovery
Factor

185.768
198.075
202.200

120.972
138.135
152.293
163.756
172.905

82.339
87.079
91.720
96.255
100.677

57.527
62.592
67.622
72.599
77.509

32.467
37.351
42.330
47.372
52.446

10.978
14.715
18.789
23.140
27.716

0.000
0.873
2.506
4.795
7.647

To Find P
Given G
P/G

13.2321
13.9273
14.1703

9.7487
10.6687
11.4233
12.0360
12.5287

7.5990
7.8725
8.1369
8.3923
8.6391

6.0897
6.4110
6.7225
7.0242
7.3163

4.3296
4.7025
5.0648
5.4167
5.7583

2.3032
2.7304
3.1465
3.5517
3.9461

0.0000
0.4831
0.9549
1.4155
1.8650

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60
80
100

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

1.5869
1.7138
1.8509
1.9990
2.1589

2.3316
2.5182
2.7196
2.9372
3.1722

3.4259
3.7000
3.9960
4.3157
4.6610

5.0338
5.4365
5.8715
6.3412
6.8485

10.0627
14.7853
21.7245
31.9204
46.9016

101.2571
471.9548
2199.7613

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

30
35
40
45
50

60
80
100

0.0001.

1.0800
1.1664
1.2597
1.3605
1.4693

a Less than

To Find P
Given F
P/F

To Find F
Given P
F/P

0.0099
0.0021
0.0005

0.0994
0.0676
0.0460
0.0313
0.0213

0.1987
0.1839
0.1703
0.1577
0.1460

0.2919
0.2703
0.2502
0.2317
0.2145

0.4289
0.3971
0.3677
0.3405
0.3152

0.6302
0.5835
0.5403
0.5002
0.4632

0.9259
0.8573
0.7938
0.7350
0.6806

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

1253.2133
5886.9354
27484.5157

113.2832
172.3168
259.0565
386.5056
573.7702

50.4229
55.4568
60.8933
66.7648
73.1059

30.3243
33.7502
37.4502
41.4463
45.7620

16.6455
18.9771
21.4953
24.2149
27.1521

7.3359
8.9228
10.6366
12.4876
14.4866

1.0000
2.0800
3.2464
4.5061
5.8666

To Find F
Given A
F/A

Compound
Amount
Factor

12.3766
12.4735
12.4943
12.5000

11.2578
11.6546
11.9246
12.1084
12.2335

10.0168
10.2007
10.3711
10.5288
10.6748

8.8514
9.1216
9.3719
9.6036
9.8181

7.1390
7.5361
7.9038
8.2442
8.5595

4.6229
5.2064
5.7466
6.2469
6.7101

0.9259
1.7833
2.5771
3.3121
3.9927

To Find P
Given A
P/A

Present
Worth
Factor

0.0008
0.0002

0.0088
0.0058
0.0039
0.0026
0.0017

0.0198
0.0180
0.0164
0.0150
0.0137

0.0330
0.0296
0.0267
0.0241
0.0219

0.0601
0.0527
0.0465
0.0413
0.0368

0.1363
0.1121
0.0940
0.0801
0.0690

1.0000
0.4808
0.3080
0.2219
0.1705

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-11 Discrete Compounding; i = 8%

0.0808
0.0802
0.0800
0.0800

0.0888
0.0858
0.0839
0.0826
0.0817

0.0998
0.0980
0.0964
0.0950
0.0937

0.1130
0.1096
0.1067
0.1041
0.1019

0.1401
0.1327
0.1265
0.1213
0.1168

0.2163
0.1921
0.1740
0.1601
0.1490

1.0800
0.5608
0.3880
0.3019
0.2505

To Find A
Given P
A/P

Capital
Recovery
Factor

147.300
153.800
155.611

103.456
116.092
126.042
133.733
139.593

73.063
76.926
80.673
84.300
87.804

52.264
56.588
60.843
65.013
69.090

30.266
34.634
39.046
43.472
47.886

10.523
14.024
17.806
21.808
25.977

0.000
0.857
2.445
4.650
7.372

To Find P
Given G
P/G

11.9015
12.3301
12.4545

9.1897
9.9611
10.5699
11.0447
11.4107

7.2940
7.5412
7.7786
8.0066
8.2254

5.9046
6.2037
6.4920
6.7697
7.0369

4.2395
4.5957
4.9402
5.2731
5.5945

2.2763
2.6937
3.0985
3.4910
3.8713

0.0000
0.4808
0.9487
1.4040
1.8465

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60
80
100

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

176.0313
986.5517
5529.0408

6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

60
80
100

0.0001.

1.6771
1.8280
1.9926
2.1719
2.3674
2.5804
2.8127
3.0658
3.3417
3.6425
3.9703
4.3276
4.7171
5.1417
5.6044
6.1088
6.6586
7.2579
7.9111
8.6231
13.2677
20.4140
31.4094
48.3273
74.3575

N
1
2
3
4
5

a Less than

To Find P
Given F
P/F
0.9174
0.8417
0.7722
0.7084
0.6499

To Find F
Given P
F/P
1.0900
1.1881
1.2950
1.4116
1.5386

0.0057
0.0010
0.0002

0.5963
0.5470
0.5019
0.4604
0.4224
0.3875
0.3555
0.3262
0.2992
0.2745
0.2519
0.2311
0.2120
0.1945
0.1784
0.1637
0.1502
0.1378
0.1264
0.1160
0.0754
0.0490
0.0318
0.0207
0.0134

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

1944.7921
10950.5741
61422.6755

7.5233
9.2004
11.0285
13.0210
15.1929
17.5603
20.1407
22.9534
26.0192
29.3609
33.0034
36.9737
41.3013
46.0185
51.1601
56.7645
62.8733
69.5319
76.7898
84.7009
136.3075
215.7108
337.8824
525.8587
815.0836

To Find F
Given A
F/A
1.0000
2.0900
3.2781
4.5731
5.9847

Compound
Amount
Factor

11.0480
11.0998
11.1091
11.1111

4.4859
5.0330
5.5348
5.9952
6.4177
6.8052
7.1607
7.4869
7.7862
8.0607
8.3126
8.5436
8.7556
8.9501
9.1285
9.2922
9.4424
9.5802
9.7066
9.8226
10.2737
10.5668
10.7574
10.8812
10.9617

To Find P
Given A
P/A
0.9174
1.7591
2.5313
3.2397
3.8897

Present
Worth
Factor

0.0005
0.0001

0.1329
0.1087
0.0907
0.0768
0.0658
0.0569
0.0497
0.0436
0.0384
0.0341
0.0303
0.0270
0.0242
0.0217
0.0195
0.0176
0.0159
0.0144
0.0130
0.0118
0.0073
0.0046
0.0030
0.0019
0.0012

To Find A
Given F
A/F
1.0000
0.4785
0.3051
0.2187
0.1671

Sinking
Fund
Factor

Uniform Series

TABLE C-12 Discrete Compounding; i = 9%

0.0905
0.0901
0.0900
0.0900

0.2229
0.1987
0.1807
0.1668
0.1558
0.1469
0.1397
0.1336
0.1284
0.1241
0.1203
0.1170
0.1142
0.1117
0.1095
0.1076
0.1059
0.1044
0.1030
0.1018
0.0973
0.0946
0.0930
0.0919
0.0912

To Find A
Given P
A/P
1.0900
0.5685
0.3951
0.3087
0.2571

Capital
Recovery
Factor

118.968
122.431
123.234

10.092
13.375
16.888
20.571
24.373
28.248
32.159
36.073
39.963
43.807
47.585
51.282
54.886
58.387
61.777
65.051
68.205
71.236
74.143
76.927
89.028
98.359
105.376
110.556
114.325

To Find P
Given G
P/G
0.000
0.842
2.386
4.511
7.111

Gradient
Present Worth
Factor

10.7683
11.0299
11.0930

2.2498
2.6574
3.0512
3.4312
3.7978
4.1510
4.4910
4.8182
5.1326
5.4346
5.7245
6.0024
6.2687
6.5236
6.7674
7.0006
7.2232
7.4357
7.6384
7.8316
8.6657
9.3083
9.7957
10.1603
10.4295

To Find A
Given G
A/G
0.0000
0.4785
0.9426
1.3925
1.8282

Gradient
Uniform Series
Factor

Uniform Gradient

60
80
100

6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

N
1
2
3
4
5

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

17.4494
28.1024
45.2593
72.8905
117.3909

304.4816
2048.4002
13780.6123

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

30
35
40
45
50

60
80
100

0.0001.

1.1000
1.2100
1.3310
1.4641
1.6105

a Less than

To Find P
Given F
P/F

To Find F
Given P
F/P

0.0033
0.0005
0.0001

0.0573
0.0356
0.0221
0.0137
0.0085

0.1351
0.1228
0.1117
0.1015
0.0923

0.2176
0.1978
0.1799
0.1635
0.1486

0.3505
0.3186
0.2897
0.2633
0.2394

0.5645
0.5132
0.4665
0.4241
0.3855

0.9091
0.8264
0.7513
0.6830
0.6209

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

3034.8164
20474.0021
137796.1234

164.4940
271.0244
442.5926
718.9048
1163.9085

64.0025
71.4027
79.5430
88.4973
98.3471

35.9497
40.5447
45.5992
51.1591
57.2750

18.5312
21.3843
24.5227
27.9750
31.7725

7.7156
9.4872
11.4359
13.5795
15.9374

1.0000
2.1000
3.3100
4.6410
6.1051

To Find F
Given A
F/A

Compound
Amount
Factor

9.9672
9.9951
9.9993
10.0000

9.4269
9.6442
9.7791
9.8628
9.9148

8.6487
8.7715
8.8832
8.9847
9.0770

7.8237
8.0216
8.2014
8.3649
8.5136

6.4951
6.8137
7.1034
7.3667
7.6061

4.3553
4.8684
5.3349
5.7590
6.1446

0.9091
1.7355
2.4869
3.1699
3.7908

To Find P
Given A
P/A

Present
Worth
Factor

0.0003

0.0061
0.0037
0.0023
0.0014
0.0009

0.0156
0.0140
0.0126
0.0113
0.0102

0.0278
0.0247
0.0219
0.0195
0.0175

0.0540
0.0468
0.0408
0.0357
0.0315

0.1296
0.1054
0.0874
0.0736
0.0627

1.0000
0.4762
0.3021
0.2155
0.1638

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-13 Discrete Compounding; i = 10%

0.1003
0.1000
0.1000
0.1000

0.1061
0.1037
0.1023
0.1014
0.1009

0.1156
0.1140
0.1126
0.1113
0.1102

0.1278
0.1247
0.1219
0.1195
0.1175

0.1540
0.1468
0.1408
0.1357
0.1315

0.2296
0.2054
0.1874
0.1736
0.1627

1.1000
0.5762
0.4021
0.3155
0.2638

To Find A
Given P
A/P

Capital
Recovery
Factor

97.701
99.561
99.920

77.077
83.987
88.953
92.454
94.889

58.110
60.689
63.146
65.481
67.696

43.416
46.582
49.640
52.583
55.407

26.396
29.901
33.377
36.801
40.152

9.684
12.763
16.029
19.422
22.891

0.000
0.826
2.329
4.378
6.862

To Find P
Given G
P/G

9.8023
9.9609
9.9927

8.1762
8.7086
9.0962
9.3740
9.5704

6.7189
6.9189
7.1085
7.2881
7.4580

5.5493
5.8071
6.0526
6.2861
6.5081

4.0641
4.3884
4.6988
4.9955
5.2789

2.2236
2.6216
3.0045
3.3724
3.7255

0.0000
0.4762
0.9366
1.3812
1.8101

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60
80
100

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

897.5969
8658.4831
83522.2657

6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

60
80
100

0.0001.

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
29.9599
52.7996
93.0510
163.9876
289.0022

N
1
2
3
4
5

a Less than

To Find P
Given F
P/F
0.8929
0.7972
0.7118
0.6355
0.5674

To Find F
Given P
F/P
1.1200
1.2544
1.4049
1.5735
1.7623

0.0011
0.0001

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
0.0334
0.0189
0.0107
0.0061
0.0035

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

7471.6411
72145.6925
696010.5477

8.1152
10.0890
12.2997
14.7757
17.5487
20.6546
24.1331
28.0291
32.3926
37.2797
42.7533
48.8837
55.7497
63.4397
72.0524
81.6987
92.5026
104.6029
118.1552
133.3339
241.3327
431.6635
767.0914
1358.2300
2400.0182

To Find F
Given A
F/A
1.0000
2.1200
3.3744
4.7793
6.3528

Compound
Amount
Factor

8.3240
8.3324
8.3332
8.3333

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
8.0552
8.1755
8.2438
8.2825
8.3045

To Find P
Given A
P/A
0.8929
1.6901
2.4018
3.0373
3.6048

Present
Worth
Factor

0.0001

0.1232
0.0991
0.0813
0.0677
0.0570
0.0484
0.0414
0.0357
0.0309
0.0268
0.0234
0.0205
0.0179
0.0158
0.0139
0.0122
0.0108
0.0096
0.0085
0.0075
0.0041
0.0023
0.0013
0.0007
0.0004

To Find A
Given F
A/F
1.0000
0.4717
0.2963
0.2092
0.1574

Sinking
Fund
Factor

Uniform Series

TABLE C-14 Discrete Compounding; i = 12%

0.1201
0.1200
0.1200
0.1200

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
0.1241
0.1223
0.1213
0.1207
0.1204

To Find A
Given P
A/P
1.1200
0.5917
0.4163
0.3292
0.2774

Capital
Recovery
Factor

68.810
69.359
69.434

8.930
11.644
14.471
17.356
20.254
23.129
25.952
28.702
31.362
33.920
36.367
38.697
40.908
42.998
44.968
46.819
48.554
50.178
51.693
53.105
58.782
62.605
65.116
66.734
67.762

To Find P
Given G
P/G
0.000
0.797
2.221
4.127
6.397

Gradient
Present Worth
Factor

8.2664
8.3241
8.3321

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
7.2974
7.6577
7.8988
8.0572
8.1597

To Find A
Given G
A/G
0.0000
0.4717
0.9246
1.3589
1.7746

Gradient
Uniform Series
Factor

Uniform Gradient

60
80
100

6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

N
1
2
3
4
5

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

66.2118
133.1755
267.8635
538.7693
1083.6574

4383.9987
71750.8794
1174313.4507

11
12
13
14
15

16
17
18
19
20

21
22
23
24
25

30
35
40
45
50

60
80
100

0.0001.

2.3131
2.6600
3.0590
3.5179
4.0456

6
7
8
9
10

a Less than

1.1500
1.3225
1.5209
1.7490
2.0114

0.0002

0.0151
0.0075
0.0037
0.0019
0.0009

0.0531
0.0462
0.0402
0.0349
0.0304

0.1069
0.0929
0.0808
0.0703
0.0611

0.2149
0.1869
0.1625
0.1413
0.1229

0.4323
0.3759
0.3269
0.2843
0.2472

0.8696
0.7561
0.6575
0.5718
0.4972

To Find P
Given F
P/F

To Find F
Given P
F/P

1
2
3
4
5

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

29219.9916
478332.5293
7828749.6713

434.7451
881.1702
1779.0903
3585.1285
7217.7163

118.8101
137.6316
159.2764
184.1678
212.7930

55.7175
65.0751
75.8364
88.2118
102.4436

24.3493
29.0017
34.3519
40.5047
47.5804

8.7537
11.0668
13.7268
16.7858
20.3037

1.0000
2.1500
3.4725
4.9934
6.7424

To Find F
Given A
F/A

Compound
Amount
Factor

6.6651
6.6666
6.6667
6.6667

6.5660
6.6166
6.6418
6.6543
6.6605

6.3125
6.3587
6.3988
6.4338
6.4641

5.9542
6.0472
6.1280
6.1982
6.2593

5.2337
5.4206
5.5831
5.7245
5.8474

3.7845
4.1604
4.4873
4.7716
5.0188

0.8696
1.6257
2.2832
2.8550
3.3522

To Find P
Given A
P/A

Present
Worth
Factor

0.1500
0.1500
0.1500
0.1500

a
a

0.1523
0.1511
0.1506
0.1503
0.1501

0.1584
0.1573
0.1563
0.1554
0.1547

0.1679
0.1654
0.1632
0.1613
0.1598

0.1911
0.1845
0.1791
0.1747
0.1710

0.2642
0.2404
0.2229
0.2096
0.1993

1.1500
0.6151
0.4380
0.3503
0.2983

To Find A
Given P
A/P

Capital
Recovery
Factor

0.0023
0.0011
0.0006
0.0003
0.0001

0.0084
0.0073
0.0063
0.0054
0.0047

0.0179
0.0154
0.0132
0.0113
0.0098

0.0411
0.0345
0.0291
0.0247
0.0210

0.1142
0.0904
0.0729
0.0596
0.0493

1.0000
0.4651
0.2880
0.2003
0.1483

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-15 Discrete Compounding; i = 15%

44.343
44.436
44.444

40.753
42.359
43.283
43.805
44.096

34.645
35.615
36.499
37.302
38.031

28.296
29.783
31.157
32.421
33.582

19.129
21.185
23.135
24.973
26.693

7.937
10.192
12.481
14.755
16.980

0.000
0.756
2.071
3.786
5.775

To Find P
Given G
P/G

6.6530
6.6656
6.6666

6.2066
6.4019
6.5168
6.5830
6.6205

5.4883
5.6010
5.7040
5.7979
5.8834

4.7522
4.9251
5.0843
5.2307
5.3651

3.6549
3.9082
4.1438
4.3624
4.5650

2.0972
2.4498
2.7813
3.0922
3.3832

0.0000
0.4651
0.9071
1.3263
1.7228

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60
80
100

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

6.1759
7.2876
8.5994
10.1472
11.9737

14.1290
16.6722
19.6733
23.2144
27.3930

32.3238
38.1421
45.0076
53.1090
62.6686

143.3706
327.9973
750.3783
1716.6839
3927.3569

20555.1400
563067.6604

11
12
13
14
15

16
17
18
19
20

21
22
23
24
25

30
35
40
45
50

60
80

0.0001.

2.6996
3.1855
3.7589
4.4355
5.2338

6
7
8
9
10

a Less than

1.1800
1.3924
1.6430
1.9388
2.2878

0.0070
0.0030
0.0013
0.0006
0.0003

0.0309
0.0262
0.0222
0.0188
0.0160

0.0708
0.0600
0.0508
0.0431
0.0365

0.1619
0.1372
0.1163
0.0985
0.0835

0.3704
0.3139
0.2660
0.2255
0.1911

0.8475
0.7182
0.6086
0.5158
0.4371

To Find P
Given F
P/F

To Find F
Given P
F/P

1
2
3
4
5

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

114189.6665
3128148.1133

790.9480
1816.6516
4163.2130
9531.5771
21813.0937

174.0210
206.3448
244.4868
289.4945
342.6035

72.9390
87.0680
103.7403
123.4135
146.6280

28.7551
34.9311
42.2187
50.8180
60.9653

9.4420
12.1415
15.3270
19.0859
23.5213

1.0000
2.1800
3.5724
5.2154
7.1542

To Find F
Given A
F/A

Compound
Amount
Factor

5.5553
5.5555
5.5556

5.5168
5.5386
5.5482
5.5523
5.5541

5.3837
5.4099
5.4321
5.4509
5.4669

5.1624
5.2223
5.2732
5.3162
5.3527

4.6560
4.7932
4.9095
5.0081
5.0916

3.4976
3.8115
4.0776
4.3030
4.4941

0.8475
1.5656
2.1743
2.6901
3.1272

To Find P
Given A
P/A

Present
Worth
Factor

0.0013
0.0006
0.0002
0.0001

0.0057
0.0048
0.0041
0.0035
0.0029

0.0137
0.0115
0.0096
0.0081
0.0068

0.0348
0.0286
0.0237
0.0197
0.0164

0.1059
0.0824
0.0652
0.0524
0.0425

1.0000
0.4587
0.2799
0.1917
0.1398

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-16 Discrete Compounding; i = 18%

0.1800
0.1800
0.1800

0.1813
0.1806
0.1802
0.1801
0.1800

0.1857
0.1848
0.1841
0.1835
0.1829

0.1937
0.1915
0.1896
0.1881
0.1868

0.2148
0.2086
0.2037
0.1997
0.1964

0.2859
0.2624
0.2452
0.2324
0.2225

1.1800
0.6387
0.4599
0.3717
0.3198

To Find A
Given P
A/P

Capital
Recovery
Factor

30.847
30.863

29.486
30.177
30.527
30.701
30.786

26.300
26.851
27.339
27.773
28.156

22.389
23.348
24.212
24.988
25.681

15.972
17.481
18.877
20.158
21.327

7.083
8.967
10.829
12.633
14.353

0.000
0.718
1.935
3.483
5.231

To Find P
Given G
P/G

5.5526
5.5554

5.3448
5.4485
5.5022
5.5293
5.5428

4.8851
4.9632
5.0329
5.0950
5.1502

4.3369
4.4708
4.5916
4.7003
4.7978

3.4303
3.6470
3.8449
4.0250
4.1887

2.0252
2.3526
2.6558
2.9358
3.1936

0.0000
0.4587
0.8902
1.2947
1.6728

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60
80

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

7.4301
8.9161
10.6993
12.8392
15.4070

18.4884
22.1861
26.6233
31.9480
38.3376

46.0051
55.2061
66.2474
79.4968
95.3962

237.3763
590.6682
1469.7716
3657.2620
9100.4382

56347.5144
2160228.4620

11
12
13
14
15

16
17
18
19
20

21
22
23
24
25

30
35
40
45
50

60
80

0.0001.

2.9860
3.5832
4.2998
5.1598
6.1917

6
7
8
9
10

a Less than

1.2000
1.4400
1.7280
2.0736
2.4883

0.0042
0.0017
0.0007
0.0003
0.0001

0.0217
0.0181
0.0151
0.0126
0.0105

0.0541
0.0451
0.0376
0.0313
0.0261

0.1346
0.1122
0.0935
0.0779
0.0649

0.3349
0.2791
0.2326
0.1938
0.1615

0.8333
0.6944
0.5787
0.4823
0.4019

To Find P
Given F
P/F

To Find F
Given P
F/P

1
2
3
4
5

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

281732.5718
10801137.3101

1181.8816
2948.3411
7343.8578
18281.3099
45497.1908

225.0256
271.0307
326.2369
392.4842
471.9811

87.4421
105.9306
128.1167
154.7400
186.6880

32.1504
39.5805
48.4966
59.1959
72.0351

9.9299
12.9159
16.4991
20.7989
25.9587

1.0000
2.2000
3.6400
5.3680
7.4416

To Find F
Given A
F/A

Compound
Amount
Factor

4.9999
5.0000
5.0000

4.9789
4.9915
4.9966
4.9986
4.9995

4.8913
4.9094
4.9245
4.9371
4.9476

4.7296
4.7746
4.8122
4.8435
4.8696

4.3271
4.4392
4.5327
4.6106
4.6755

3.3255
3.6046
3.8372
4.0310
4.1925

0.8333
1.5278
2.1065
2.5887
2.9906

To Find P
Given A
P/A

Present
Worth
Factor

0.0008
0.0003
0.0001
0.0001

0.0044
0.0037
0.0031
0.0025
0.0021

0.0114
0.0094
0.0078
0.0065
0.0054

0.0311
0.0253
0.0206
0.0169
0.0139

0.1007
0.0774
0.0606
0.0481
0.0385

1.0000
0.4545
0.2747
0.1863
0.1344

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-17 Discrete Compounding; i = 20%

0.2000
0.2000
0.2000

0.2008
0.2003
0.2001
0.2001
0.2000

0.2044
0.2037
0.2031
0.2025
0.2021

0.2114
0.2094
0.2078
0.2065
0.2054

0.2311
0.2253
0.2206
0.2169
0.2139

0.3007
0.2774
0.2606
0.2481
0.2385

1.2000
0.6545
0.4747
0.3863
0.3344

To Find A
Given P
A/P

Capital
Recovery
Factor

24.994
25.000

24.263
24.661
24.847
24.932
24.970

22.174
22.555
22.887
23.176
23.428

19.321
20.042
20.681
21.244
21.740

14.233
15.467
16.588
17.601
18.510

6.581
8.255
9.883
11.434
12.887

0.000
0.694
1.852
3.299
4.906

To Find P
Given G
P/G

4.9989
5.0000

4.8731
4.9406
4.9728
4.9877
4.9945

4.5334
4.5941
4.6475
4.6943
4.7352

4.0851
4.1976
4.2975
4.3861
4.4643

3.2893
3.4841
3.6597
3.8175
3.9588

1.9788
2.2902
2.5756
2.8364
3.0739

0.0000
0.4545
0.8791
1.2742
1.6405

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60
80

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

11.6415
14.5519
18.1899
22.7374
28.4217

35.5271
44.4089
55.5112
69.3889
86.7362

108.4202
135.5253
169.4066
211.7582
264.6978

807.7936
2465.1903
7523.1638
22958.8740
70064.9232

652530.4468

11
12
13
14
15

16
17
18
19
20

21
22
23
24
25

30
35
40
45
50

60

0.0001.

3.8147
4.7684
5.9605
7.4506
9.3132

6
7
8
9
10

a Less than

1.2500
1.5625
1.9531
2.4414
3.0518

2610117.7872

3227.1743
9856.7613
30088.6554
91831.4962
280255.6929

429.6809
538.1011
673.6264
843.0329
1054.7912

138.1085
173.6357
218.0446
273.5558
342.9447

42.5661
54.2077
68.7596
86.9495
109.6868

11.2588
15.0735
19.8419
25.8023
33.2529

1.0000
2.2500
3.8125
5.7656
8.2070

To Find F
Given A
F/A

Compound
Amount
Factor

0.0012
0.0004
0.0001

0.0092
0.0074
0.0059
0.0047
0.0038

0.0281
0.0225
0.0180
0.0144
0.0115

0.0859
0.0687
0.0550
0.0440
0.0352

0.2621
0.2097
0.1678
0.1342
0.1074

0.8000
0.6400
0.5120
0.4096
0.3277

To Find P
Given F
P/F

To Find F
Given P
F/P

1
2
3
4
5

Present
Worth
Factor

Compound
Amount
Factor

Single Payment

4.0000
4.0000

3.9950
3.9984
3.9995
3.9998
3.9999

3.9631
3.9705
3.9764
3.9811
3.9849

3.8874
3.9099
3.9279
3.9424
3.9539

3.6564
3.7251
3.7801
3.8241
3.8593

2.9514
3.1611
3.3289
3.4631
3.5705

0.8000
1.4400
1.9520
2.3616
2.6893

To Find P
Given A
P/A

Present
Worth
Factor

0.0003
0.0001

0.0023
0.0019
0.0015
0.0012
0.0009

0.0072
0.0058
0.0046
0.0037
0.0029

0.0235
0.0184
0.0145
0.0115
0.0091

0.0888
0.0663
0.0504
0.0388
0.0301

1.0000
0.4444
0.2623
0.1734
0.1218

To Find A
Given F
A/F

Sinking
Fund
Factor

Uniform Series

TABLE C-18 Discrete Compounding; i = 25%

0.2500
0.2500

0.2503
0.2501
0.2500
0.2500
0.2500

0.2523
0.2519
0.2515
0.2512
0.2509

0.2572
0.2558
0.2546
0.2537
0.2529

0.2735
0.2684
0.2645
0.2615
0.2591

0.3388
0.3163
0.3004
0.2888
0.2801

1.2500
0.6944
0.5123
0.4234
0.3718

To Find A
Given P
A/P

Capital
Recovery
Factor

16.000

15.832
15.937
15.977
15.992
15.997

15.078
15.233
15.363
15.471
15.562

13.748
14.109
14.415
14.674
14.893

10.846
11.602
12.262
12.833
13.326

5.514
6.773
7.947
9.021
9.987

0.000
0.640
1.664
2.893
4.204

To Find P
Given G
P/G

3.9999

3.9628
3.9858
3.9947
3.9980
3.9993

3.8045
3.8365
3.8634
3.8861
3.9052

3.5366
3.6084
3.6698
3.7222
3.7667

2.9663
3.1145
3.2437
3.3559
3.4530

1.8683
2.1424
2.3872
2.6048
2.7971

0.0000
0.4444
0.8525
1.2249
1.5631

To Find A
Given G
A/G

Gradient
Uniform Series
Factor

Uniform Gradient
Gradient
Present Worth
Factor

60

30
35
40
45
50

21
22
23
24
25

16
17
18
19
20

11
12
13
14
15

6
7
8
9
10

1
2
3
4
5

APPENDIX

Interest and Annuity

Tables for Continuous
Compounding

For various values of r from 8% to 20%,

r = nominal interest rate per period, compounded continuously
N = number of compounding periods
(F/P, r%, N) = erN
(P/F, r%, N) = erN =

1
erN

erN 1
er 1
erN 1
.
(P/A, r%, N) = rN r
e (e 1)
(F/A, r%, N) =

650

INTEREST AND ANNUITY TABLES FOR CONTINUOUS COMPOUNDING

TABLE D-1 Continuous Compounding; r = 8%

Discrete Flows
Single Payment

Uniform Series

Compound
Amount
Factor

Present
Worth
Factor

Compound
Amount
Factor

Present
Worth
Factor

To Find F
Given P
F/P

To Find P
Given F
P/F

To Find F
Given A
F/A

To Find P
Given A
P/A

1
2
3
4
5

1.0833
1.1735
1.2712
1.3771
1.4918

0.9231
0.8521
0.7866
0.7261
0.6703

1.0000
2.0833
3.2568
4.5280
5.9052

0.9231
1.7753
2.5619
3.2880
3.9584

1
2
3
4
5

6
7
8
9
10

1.6161
1.7507
1.8965
2.0544
2.2255

0.6188
0.5712
0.5273
0.4868
0.4493

7.3970
9.0131
10.7637
12.6602
14.7147

4.5771
5.1483
5.6756
6.1624
6.6117

6
7
8
9
10

11
12
13
14
15

2.4109
2.6117
2.8292
3.0649
3.3201

0.4148
0.3829
0.3535
0.3263
0.3012

16.9402
19.3511
21.9628
24.7920
27.8569

7.0265
7.4094
7.7629
8.0891
8.3903

11
12
13
14
15

16
17
18
19
20

3.5966
3.8962
4.2207
4.5722
4.9530

0.2780
0.2567
0.2369
0.2187
0.2019

31.1770
34.7736
38.6698
42.8905
47.4627

8.6684
8.9250
9.1620
9.3807
9.5826

16
17
18
19
20

21
22
23
24
25

5.3656
5.8124
6.2965
6.8120
7.3891

0.1864
0.1720
0.1588
0.1466
0.1353

52.4158
57.7813
63.5938
69.8903
76.7113

9.7689
9.9410
10.0998
10.2464
10.3817

21
22
23
24
25

26
27
28
29
30

8.0045
8.6711
9.3933
10.1757
11.0232

0.1249
0.1153
0.1065
0.0983
0.0907

84.1003
92.1048
100.776
110.169
120.345

10.5067
10.6220
10.7285
10.8267
10.9174

26
27
28
29
30

35
40
45
50
55

16.4446
24.5325
36.5982
54.5982
81.4509

0.0608
0.0408
0.0273
0.0183
0.0123

185.439
282.547
427.416
643.535
965.947

11.2765
11.5172
11.6786
11.7868
11.8593

35
40
45
50
55

11.9079
11.9404
11.9623
11.9769
11.9867

60
65
70
75
80

11.9933
11.9977
12.0007
12.0026

85
90
95
100

60
65
70
75
80

121.510
181.272
270.426
403.429
601.845

0.0082
0.0055
0.0037
0.0025
0.0017

85
90
95
100

897.847
1339.43
1998.20
2980.96

0.0011
0.0007
0.0005
0.0003

1446.93
2164.47
3234.91
4831.83
7214.15
10768.1
16070.1
23979.7
35779.3

651

652 APPENDIX D / INTEREST AND ANNUITY TABLES FOR CONTINUOUS COMPOUNDING

TABLE D-2 Continuous Compounding; r = 10%
Discrete Flows
Single Payment

Uniform Series

Compound
Amount
Factor

Present
Worth
Factor

Compound
Amount
Factor

Present
Worth
Factor

To Find F
Given P
F/P

To Find P
Given F
P/F

To Find F
Given A
F/A

To Find P
Given A
P/A

1
2
3
4
5

1.1052
1.2214
1.3499
1.4918
1.6487

0.9048
0.8187
0.7408
0.6703
0.6065

1.0000
2.1052
3.3266
4.6764
6.1683

0.9048
1.7236
2.4644
3.1347
3.7412

1
2
3
4
5

6
7
8
9
10

1.8221
2.0138
2.2255
2.4596
2.7183

0.5488
0.4966
0.4493
0.4066
0.3679

7.8170
9.6391
11.6528
13.8784
16.3380

4.2900
4.7866
5.2360
5.6425
6.0104

6
7
8
9
10

11
12
13
14
15

3.0042
3.3201
3.6693
4.0552
4.4817

0.3329
0.3012
0.2725
0.2466
0.2231

19.0563
22.0604
25.3806
29.0499
33.1051

6.3433
6.6445
6.9170
7.1636
7.3867

11
12
13
14
15

16
17
18
19
20

4.9530
5.4739
6.0496
6.6859
7.3891

0.2019
0.1827
0.1653
0.1496
0.1353

37.5867
42.5398
48.0137
54.0634
60.7493

7.5886
7.7713
7.9366
8.0862
8.2215

16
17
18
19
20

21
22
23
24
25

8.1662
9.0250
9.9742
11.0232
12.1825

0.1225
0.1108
0.1003
0.0907
0.0821

68.1383
76.3045
85.3295
95.3037
106.327

8.3440
8.4548
8.5550
8.6458
8.7278

21
22
23
24
25

26
27
28
29
30

13.4637
14.8797
16.4446
18.1741
20.0855

0.0743
0.0672
0.0608
0.0550
0.0498

118.509
131.973
146.853
163.298
181.472

8.8021
8.8693
8.9301
8.9852
9.0349

26
27
28
29
30

35
40
45
50
55

33.1155
54.5981
90.0171
148.413
244.692

0.0302
0.0183
0.0111
0.0067
0.0041

305.364
509.629
846.404
1401.65
2317.10

9.2212
9.3342
9.4027
9.4443
9.4695

35
40
45
50
55

60
65
70
75
80

403.429
665.142
1096.63
1808.04
2980.96

0.0025
0.0015
0.0009
0.0006
0.0003

9.4848
9.4940
9.4997
9.5031
9.5051

60
65
70
75
80

85
90
95
100

4914.77
8103.08
13359.7
22026.5

0.0002
0.0001

9.5064
9.5072
9.5076
9.5079

85
90
95
100

a Less than

0.0001.

a
a

3826.43
6314.88
10417.6
17182.0
28334.4
46721.7
77037.3
127019.0
209425.0

INTEREST AND ANNUITY TABLES FOR CONTINUOUS COMPOUNDING

TABLE D-3 Continuous Compounding; r = 20%

Discrete Flows
Single Payment

Uniform Series

Compound
Amount
Factor

Present
Worth
Factor

Compound
Amount
Factor

Present
Worth
Factor

To Find F
Given P
F/P

To Find P
Given F
P/F

To Find F
Given A
F/A

To Find P
Given A
P/A

1
2
3
4
5

1.2214
1.4918
1.8221
2.2255
2.7183

0.8187
0.6703
0.5488
0.4493
0.3679

1.0000
2.2214
3.7132
5.5353
7.7609

0.8187
1.4891
2.0379
2.4872
2.8551

1
2
3
4
5

6
7
8
9
10

3.3201
4.0552
4.9530
6.0496
7.3891

0.3012
0.2466
0.2019
0.1653
0.1353

10.4792
13.7993
17.8545
22.8075
28.8572

3.1563
3.4029
3.6048
3.7701
3.9054

6
7
8
9
10

11
12
13
14
15

9.0250
11.0232
13.4637
16.4446
20.0855

0.1108
0.0907
0.0743
0.0608
0.0498

36.2462
45.2712
56.2944
69.7581
86.2028

4.0162
4.1069
4.1812
4.2420
4.2918

11
12
13
14
15

16
17
18
19
20

24.5325
29.9641
36.5982
44.7012
54.5981

0.0408
0.0334
0.0273
0.0224
0.0183

106.288
130.821
160.785
197.383
242.084

4.3325
4.3659
4.3932
4.4156
4.4339

16
17
18
19
20

21
22
23
24
25

66.6863
81.4509
99.4843
121.510
148.413

0.0150
0.0123
0.0101
0.0082
0.0067

296.682
363.369
444.820
544.304
665.814

4.4489
4.4612
4.4713
4.4795
4.4862

21
22
23
24
25

26
27
28
29
30

181.272
221.406
270.426
330.299
403.429

0.0055
0.0045
0.0037
0.0030
0.0025

814.227
995.500
1216.91
1487.33
1817.63

4.4917
4.4963
4.5000
4.5030
4.5055

26
27
28
29
30

4948.60
13459.4
36594.3
99481.4
270426.0

4.5125
4.5151
4.5161
4.5165
4.5166

35
40
45
50
55

735103.0

4.5166

60

35
40
45
50
55
60
a Less than

1096.63
2980.96
8103.08
22026.5
59874.1
162755.0
0.0001.

0.0009
0.0003
0.0001
a
a
a

653