Compound Interest Factor Tables

Interest Factor Tables 388

0.25% T AB L E 1 Discrete Cash Flow: Compound Interest Factors 0.25%

Single Payments Uniform Series Payments Arithmetic Gradients

F/P P/F A/F F/A A/P P/A P/G Gradient A/G Gradient
Compound Present Sinking Compound Capital Present Present Worth Uniform Series
n Amount Worth Fund Amount Recovery Worth
1 1.0025 0.9975 1.00000 1.0000 1.00250 0.9975
2 1.0050 0.9950 0.49938 2.0025 0.50188 1.9925 0.9950 0.4994
3 1.0075 0.9925 0.33250 3.0075 0.33500 2.9851 2.9801 0.9983
4 1.0100 0.9901 0.24906 4.0150 0.25156 3.9751 5.9503 1.4969
5 1.0126 0.9876 0.19900 5.0251 0.20150 4.9627 9.9007 1.9950
6 1.0151 0.9851 0.16563 6.0376 0.16813 5.9478 14.8263 2.4927
7 1.0176 0.9827 0.14179 7.0527 0.14429 6.9305 20.7223 2.9900
8 1.0202 0.9802 0.12391 8.0704 0.12641 7.9107 27.5839 3.4869
9 1.0227 0.9778 0.11000 9.0905 0.11250 8.8885 35.4061 3.9834
10 1.0253 0.9753 0.09888 10.1133 0.10138 9.8639 44.1842 4.4794
11 1.0278 0.9729 0.08978 11.1385 0.09228 10.8368 53.9133 4.9750
12 1.0304 0.9705 0.08219 12.1664 0.08469 11.8073 64.5886 5.4702
13 1.0330 0.9681 0.07578 13.1968 0.07828 12.7753 76.2053 5.9650
14 1.0356 0.9656 0.07028 14.2298 0.07278 13.7410 88.7587 6.4594
15 1.0382 0.9632 0.06551 15.2654 0.06801 14.7042 102.2441 6.9534
16 1.0408 0.9608 0.06134 16.3035 0.06384 15.6650 116.6567 7.4469
17 1.0434 0.9584 0.05766 17.3443 0.06016 16.6235 131.9917 7.9401
18 1.0460 0.9561 0.05438 18.3876 0.05688 17.5795 148.2446 8.4328
19 1.0486 0.9537 0.05146 19.4336 0.05396 18.5332 165.4106 8.9251
20 1.0512 0.9513 0.04882 20.4822 0.05132 19.4845 183.4851 9.4170
21 1.0538 0.9489 0.04644 21.5334 0.04894 20.4334 202.4634 9.9085
22 1.0565 0.9466 0.04427 22.5872 0.04677 21.3800 222.3410 10.3995
23 1.0591 0.9442 0.04229 23.6437 0.04479 22.3241 243.1131 10.8901
24 1.0618 0.9418 0.04048 24.7028 0.04298 23.2660 264.7753 11.3804
25 1.0644 0.9395 0.03881 25.7646 0.04131 24.2055 287.3230 11.8702
26 1.0671 0.9371 0.03727 26.8290 0.03977 25.1426 310.7516 12.3596
27 1.0697 0.9348 0.03585 27.8961 0.03835 26.0774 335.0566 12.8485
28 1.0724 0.9325 0.03452 28.9658 0.03702 27.0099 360.2334 13.3371
29 1.0751 0.9301 0.03329 30.0382 0.03579 27.9400 386.2776 13.8252
30 1.0778 0.9278 0.03214 31.1133 0.03464 28.8679 413.1847 14.3130
36 1.0941 0.9140 0.02658 37.6206 0.02908 34.3865 592.4988 17.2306
40 1.1050 0.9050 0.02380 42.0132 0.02630 38.0199 728.7399 19.1673
48 1.1273 0.8871 0.01963 50.9312 0.02213 45.1787 1040.06 23.0209
50 1.1330 0.8826 0.01880 53.1887 0.02130 46.9462 1125.78 23.9802
52 1.1386 0.8782 0.01803 55.4575 0.02053 48.7048 1214.59 24.9377
55 1.1472 0.8717 0.01698 58.8819 0.01948 51.3264 1353.53 26.3710
60 1.1616 0.8609 0.01547 64.6467 0.01797 55.6524 1600.08 28.7514
72 1.1969 0.8355 0.01269 78.7794 0.01519 65.8169 2265.56 34.4221
75 1.2059 0.8292 0.01214 82.3792 0.01464 68.3108 2447.61 35.8305
84 1.2334 0.8108 0.01071 93.3419 0.01321 75.6813 3029.76 40.0331
90 1.2520 0.7987 0.00992 100.7885 0.01242 80.5038 3446.87 42.8162
96 1.2709 0.7869 0.00923 108.3474 0.01173 85.2546 3886.28 45.5844
100 1.2836 0.7790 0.00881 113.4500 0.01131 88.3825 4191.24 47.4216
108 1.3095 0.7636 0.00808 123.8093 0.01058 94.5453 4829.01 51.0762
120 1.3494 0.7411 0.00716 139.7414 0.00966 103.5618 5852.11 56.5084
132 1.3904 0.7192 0.00640 156.1582 0.00890 112.3121 6950.01 61.8813
144 1.4327 0.6980 0.00578 173.0743 0.00828 120.8041 8117.41 67.1949
240 1.8208 0.5492 0.00305 328.3020 0.00555 180.3109 19399 107.5863
360 2.4568 0.4070 0.00172 582.7369 0.00422 237.1894 36264 152.8902
480 3.3151 0.3016 0.00108 926.0595 0.00358 279.3418 53821 192.6699
Interest F
Factor Tables 389

0.5% T AB
BLE 2 Discreete Cash Flow: Compound Intterest Factors 0.5%

Single Payments Uniform Series Payments
P A
Arithmetic Gradients

F/P P/F A/F F/A A/P P//A P/G Graadient A/G G Gradient
Comp
pound Presen
nt Sinking Compound Capital Pressent Present Worth Uniform Series
n Amount Worthh Fund Amount Recovery
R Wo orth
1 1.0
0050 0.9950
0 1.00000 1.0000 1.00500 0.99950
2 1.0
0100 0.9901
1 0.49875 2.0050 0.50375 1.9 851 0.99001 0.44988
3 1.0
0151 0.9851
1 0.33167 3.0150 0.33667 2.97702 2.96004 0.99967
4 1.0
0202 0.9802
2 0.24813 4.0301 0.25313 3.95505 5.90 11 1.44938
5 1.0
0253 0.9754
4 0.19801 5.0503 0.20301 4.92259 9.80226 1.99900
6 1.0
0304 0.9705
5 0.16460 6.0755 0.16960 5.89964 14.65552 2.44855
7 1.0
0355 0.9657
7 0.14073 7.1059 0.14573 6.86621 20.44493 2.99801
8 1.0
0407 0.9609
9 0.12283 8.1414 0.12783 7.82230 27.17755 3.44738
9 1.0
0459 0.9561
1 0.10891 9.1821 0.11391 8.77791 34.82244 3.99668
10 1.0
0511 0.9513
3 0.09777 10.2280 0.10277 9.73304 43.38865 4.44589
11 1.0
0564 0.9466
6 0.08866 11.2792 0.09366 10.66770 52.85526 4.99501
12 1.0
0617 0.9419
9 0.08107 12.3356 0.08607 11.66189 63.21136 5.44406
13 1.0
0670 0.9372
2 0.07464 13.3972 0.07964 12.55562 74.46602 5.99302
14 1.0
0723 0.9326
6 0.06914 14.4642 0.07414 13.44887 86.58835 6.44190
15 1.0
0777 0.9279
9 0.06436 15.5365 0.06936 14.44166 99.57743 6.99069
16 1.0
0831 0.9233
3 0.06019 16.6142 0.06519 15.33399 113.42238 7.33940
17 1.0
0885 0.9187
7 0.05651 17.6973 0.06151 16.22586 128.12231 7.8803
18 1.0
0939 0.9141
1 0.05323 18.7858 0.05823 17.11728 143.66634 8.33658
19 1.0
0994 0.9096
6 0.05030 19.8797 0.05530 18.00824 160.03360 8.8504
20 1.1
1049 0.9051
1 0.04767 20.9791 0.05267 18.99874 177.23322 9.33342
21 1.1
1104 0.9006
6 0.04528 22.0840 0.05028 19.88880 195.24434 9.8172
22 1.1
1160 0.8961
1 0.04311 23.1944 0.04811 20.77841 214.06611 10.2993
23 1.1
1216 0.8916
6 0.04113 24.3104 0.04613 21.66757 233.67768 10.7806
24 1.1
1272 0.8872
2 0.03932 25.4320 0.04432 22.55629 254.08820 11.2611
25 1.1
1328 0.8828
8 0.03765 26.5591 0.04265 23.44456 275.26686 11.7407
26 1.1
1385 0.8784
4 0.03611 27.6919 0.04111 24.33240 297.22281 12.2195
27 1.1
1442 0.8740
0 0.03469 28.8304 0.03969 25.11980 319.95523 12.6975
28 1.1
1499 0.8697
7 0.03336 29.9745 0.03836 26.00677 343.43332 13.1747
29 1.1
1556 0.8653
3 0.03213 31.1244 0.03713 26.99330 367.66625 13.6510
30 1.1
1614 0.8610
0 0.03098 32.2800 0.03598 27.77941 392.63324 14.1265
36 1.1
1967 0.8356
6 0.02542 39.3361 0.03042 32.88710 557.55598 16.9621
40 1.2
2208 0.8191
1 0.02265 44.1588 0.02765 36.11722 681.33347 18.8359
48 1.2
2705 0.7871
1 0.01849 54.0978 0.02349 42.55803 959.9 188 22.5437
50 1.2
2832 0.7793
3 0.01765 56.6452 0.02265 44.11428 1035 .70 23.4624
52 1.2
2961 0.7716
6 0.01689 59.2180 0.02189 45.66897 1113 .82 24.3778
55 1.3
3156 0.7601
1 0.01584 63.1258 0.02084 47.99814 1235 .27 25.7447
60 1.3
3489 0.7414
4 0.01433 69.7700 0.01933 51.77256 1448 .65 28.0064
72 1.4
4320 0.6983
3 0.01157 86.4089 0.01657 60.33395 2012 .35 33.3504
75 1.4
4536 0.6879
9 0.01102 90.7265 0.01602 62.44136 2163 .75 34.6679
84 1.5
5204 0.6577
7 0.00961 104.0739 0.01461 68.44530 2640 .66 38.5763
90 1.5
5666 0.6383
3 0.00883 113.3109 0.01383 72.33313 2976 .08 41.1451
96 1.6
6141 0.6195
5 0.00814 122.8285 0.01314 76.00952 3324 .18 43.6845
100 1.6
6467 0.6073
3 0.00773 129.3337 0.01273 78.55426 3562 .79 45.3613
108 1.7
7137 0.5835
5 0.00701 142.7399 0.01201 83.22934 4054 .37 48.6758
120 1.8
8194 0.5496
6 0.00610 163.8793 0.01110 90.00735 4823 .51 53.5508
132 1.9
9316 0.5177
7 0.00537 186.3226 0.01037 96.44596 5624 .59 58.3103
144 2.0
0508 0.4876
6 0.00476 210.1502 0.00976 102.44747 6451 .31 62.9551
240 3.3
3102 0.3021
1 0.00216 462.0409 0.00716 139.55808 134116 96.1131
360 6.0
0226 0.1660
0 0.00100 1004.52 0.00600 166.77916 214003 1288.3236
480 10.9
9575 0.0913
3 0.00050 1991.49 0.00550 181.77476 275888 1511.7949
Interest F
Factor Tables 390

0.75
5% T AB L E 3 Discrete Cash
h Flow: Compo
ound Interest F
Factors 0.75%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
A A/P P/A P/G Gradient A/G Gradientt
Compound Present Sin
nking Compou
und Capital Present Present Worth Uniform Series
s
n Amount Worth Fund
F Amou
unt Recoveryy Worth
1 1.0075 0.9926 1.0
00000 1.0000 1.00750 0.9926
2 1.0151 0.9852 0.4
49813 2.0075 0.50563 1.9777 0.9852 0.4981
3 1.0227 0.9778 0.3
33085 3.0226 0.33835 2.9556 2.9408 0.9950
4 1.0303 0.9706 0.2
24721 4.0452 0.25471 3.9261 5.8525 1.4907
5 1.0381 0.9633 0.1
19702 5.0756 0.20452 4.8894 9.7058 1.9851
6 1.0459 0.9562 0.1
16357 6.1136 0.17107 5.8456 14.4866 2.4782
7 1.0537 0.9490 0.1
13967 7.1595 0.14717 6.7946 20.1808 2.9701
8 1.0616 0.9420 0.1
12176 8.2132 0.12926 7.7366 26.7747 3.4608
9 1.0696 0.9350 0.1
10782 9.2748 0.11532 8.6716 34.2544 3.9502
10 1.0776 0.9280 0.0
09667 10.34443 0.10417 9.5996 42.6064 4.4384
11 1.0857 0.9211 0.0
08755 11.42119 0.09505 10.5207 51.8174 4.9253
12 1.0938 0.9142 0.0
07995 12.50776 0.08745 11.4349 61.8740 5.4110
13 1.1020 0.9074 0.0
07352 13.60114 0.08102 12.3423 72.7632 5.8954
14 1.1103 0.9007 0.0
06801 14.70334 0.07551 13.2430 84.4720 6.3786
15 1.1186 0.8940 0.0
06324 15.81337 0.07074 14.1370 96.9876 6.8606
16 1.1270 0.8873 0.0
05906 16.93223 0.06656 15.0243 110.2973 7.3413
17 1.1354 0.8807 0.0
05537 18.05993 0.06287 15.9050 124.3887 7.8207
18 1.1440 0.8742 0.0
05210 19.19447 0.05960 16.7792 139.2494 8.2989
19 1.1525 0.8676 0.0
04917 20.33887 0.05667 17.6468 154.8671 8.7759
20 1.1612 0.8612 0.0
04653 21.49112 0.05403 18.5080 171.2297 9.2516
21 1.1699 0.8548 0.0
04415 22.65224 0.05165 19.3628 188.3253 9.7261
22 1.1787 0.8484 0.0
04198 23.82223 0.04948 20.2112 206.1420 10.1994
23 1.1875 0.8421 0.0
04000 25.00110 0.04750 21.0533 224.6682 10.6714
24 1.1964 0.8358 0.0
03818 26.18885 0.04568 21.8891 243.8923 11.1422
25 1.2054 0.8296 0.0
03652 27.38449 0.04402 22.7188 263.8029 11.6117
26 1.2144 0.8234 0.0
03498 28.59003 0.04248 23.5422 284.3888 12.0800
27 1.2235 0.8173 0.0
03355 29.80447 0.04105 24.3595 305.6387 12.5470
28 1.2327 0.8112 0.0
03223 31.02882 0.03973 25.1707 327.5416 13.0128
29 1.2420 0.8052 0.0
03100 32.26009 0.03850 25.9759 350.0867 13.4774
30 1.2513 0.7992 0.0
02985 33.50229 0.03735 26.7751 373.2631 13.9407
36 1.3086 0.7641 0.0
02430 41.15227 0.03180 31.4468 524.9924 16.6946
40 1.3483 0.7416 0.0
02153 46.44665 0.02903 34.4469 637.4693 18.5058
48 1.4314 0.6986 0.0
01739 57.52007 0.02489 40.1848 886.8404 22.0691
50 1.4530 0.6883 0.0
01656 60.39443 0.02406 41.5664 953.8486 22.9476
52 1.4748 0.6780 0.0
01580 63.31111 0.02330 42.9276 1022.59 23.8211
55 1.5083 0.6630 0.0
01476 67.76888 0.02226 44.9316 1128.79 25.1223
60 1.5657 0.6387 0.0
01326 75.42441 0.02076 48.1734 1313.52 27.2665
72 1.7126 0.5839 0.0
01053 95.00770 0.01803 55.4768 1791.25 32.2882
75 1.7514 0.5710 0.0
00998 100.1833 0.01748 57.2027 1917.22 33.5163
84 1.8732 0.5338 0.0
00859 116.4269 0.01609 62.1540 2308.13 37.1357
90 1.9591 0.5104 0.0
00782 127.8790 0.01532 65.2746 2578.00 39.4946
96 2.0489 0.4881 0.0
00715 139.8562 0.01465 68.2584 2853.94 41.8107
100 2.1111 0.4737 0.0
00675 148.1445 0.01425 70.1746 3040.75 43.3311
108 2.2411 0.4462 0.0
00604 165.4832 0.01354 73.8394 3419.90 46.3154
120 2.4514 0.4079 0.0
00517 193.5143 0.01267 78.9417 3998.56 50.6521
132 2.6813 0.3730 0.0
00446 224.1748 0.01196 83.6064 4583.57 54.8232
144 2.9328 0.3410 0.0
00388 257.7116 0.01138 87.8711 5169.58 58.8314
240 6.0092 0.1664 0.0
00150 667.8869 0.00900 111.1450 9494.12 85.4210
360 14.7306 0.0679 0.0
00055 1830.774 0.00805 124.2819 13312 107.1145
480 36.1099 0.0277 0.0
00021 4681.332 0.00771 129.6409 15513 119.6620
Interest F
Factor Tables 391

1% T AB
BLE 4 Discreete Cash Flow: Compound Intterest Factors 1%

P Arithmetic Gradientts

Comp
pound Presen
nt Sinking Compound Capital Pressent Present Worth Uniform
m Series
n Amo
ount Worthh Fund Amount Recovery
R Wo orth
1 1.0
0100 0.9901 1.00000 1.0000 1.01000 0.99901
2 1.0
0201 0.9803
3 0.49751 2.0100 0.50751 1.97704 0.98003 0.44975
3 1.0
0303 0.9706
6 0.33002 3.0301 0.34002 2.94410 2.92 15 0.99934
4 1.0
0406 0.9610
0 0.24628 4.0604 0.25628 3.90020 5.80444 1.44876
5 1.0
0510 0.9515
5 0.19604 5.1010 0.20604 4.85534 9.61003 1.99801
6 1.0
0615 0.9420
0 0.16255 6.1520 0.17255 5.79955 14.32205 2.44710
7 1.0
0721 0.9327
7 0.13863 7.2135 0.14863 6.72282 19.91168 2.99602
8 1.0
0829 0.9235
5 0.12069 8.2857 0.13069 7.65517 26.38812 3.44478
9 1.0
0937 0.9143
3 0.10674 9.3685 0.11674 8.56660 33.69959 3.99337
10 1.1046 0.9053
3 0.09558 10.4622 0.10558 9.47713 41.84435 4.44179
11 1.1157 0.8963
3 0.08645 11.5668 0.09645 10.33676 50.80067 4.99005
12 1.1268 0.8874
4 0.07885 12.6825 0.08885 11.22551 60.56687 5.33815
13 1.1381 0.8787
7 0.07241 13.8093 0.08241 12.11337 71.11126 5.88607
14 1.1495 0.8700
0 0.06690 14.9474 0.07690 13.00037 82.42221 6.33384
15 1.1610 0.8613
3 0.06212 16.0969 0.07212 13.88651 94.48810 6.88143
16 1.1726 0.8528
8 0.05794 17.2579 0.06794 14.77179 107.27734 7.22886
17 1.1843 0.8444
4 0.05426 18.4304 0.06426 15.55623 120.78834 7.77613
18 1.1961 0.8360
0 0.05098 19.6147 0.06098 16.33983 134.99957 8.22323
19 1.2
2081 0.8277
7 0.04805 20.8109 0.05805 17.22260 149.89950 8.77017
20 1.2
2202 0.8195
5 0.04542 22.0190 0.05542 18.00456 165.46664 9.1694
21 1.2
2324 0.8114
4 0.04303 23.2392 0.05303 18.88570 181.69950 9.66354
22 1.2
2447 0.8034
4 0.04086 24.4716 0.05086 19.66604 198.56663 10.0998
23 1.2
2572 0.7954
4 0.03889 25.7163 0.04889 20.44558 216.06660 10.5626
24 1.2
2697 0.7876
6 0.03707 26.9735 0.04707 21.22434 234.18800 11.0237
25 1.2
2824 0.7798
8 0.03541 28.2432 0.04541 22.00232 252.89945 11.4831
26 1.2
2953 0.7720
0 0.03387 29.5256 0.04387 22.77952 272.19957 11.9409
27 1.3
3082 0.7644
4 0.03245 30.8209 0.04245 23.55596 292.07702 12.3971
28 1.3
3213 0.7568
8 0.03112 32.1291 0.04112 24.33164 312.50047 12.8516
29 1.3
3345 0.7493
3 0.02990 33.4504 0.03990 25.00658 333.48863 13.3044
30 1.3
3478 0.7419
9 0.02875 34.7849 0.03875 25.88077 355.00021 13.7557
36 1.4
4308 0.6989
9 0.02321 43.0769 0.03321 30.11075 494.62207 16.4285
40 1.4
4889 0.6717
7 0.02046 48.8864 0.03046 32.88347 596.85561 18.1776
48 1.6
6122 0.6203
3 0.01633 61.2226 0.02633 37.99740 820.14460 21.5976
50 1.6
6446 0.6080
0 0.01551 64.4632 0.02551 39.11961 879.4 176 22.4363
52 1.6
6777 0.5961 0.01476 67.7689 0.02476 40.33942 939.9 175 23.2686
55 1.7
7285 0.5785
5 0.01373 72.8525 0.02373 42.11472 1032..81 24.5049
60 1.8
8167 0.5504
4 0.01224 81.6697 0.02224 44.99550 1192..81 26.5333
72 2.0
0471 0.4885
5 0.00955 104.7099 0.01955 51.11504 1597..87 31.2386
75 2.1091 0.4741 0.00902 110.9128 0.01902 52.55871 1702..73 32.3793
84 2.3
3067 0.4335
5 0.00765 130.6723 0.01765 56.66485 2023..32 35.7170
90 2.4
4486 0.4084
4 0.00690 144.8633 0.01690 59.11609 2240..57 37.8724
96 2.5
5993 0.3847
7 0.00625 159.9273 0.01625 61.55277 2459..43 39.9727
100 2.7
7048 0.3697
7 0.00587 170.4814 0.01587 63.00289 2605..78 41.3426
108 2.9
9289 0.3414
4 0.00518 192.8926 0.01518 65.88578 2898..42 44.0103
120 3.3
3004 0.3030
0 0.00435 230.0387 0.01435 69.77005 3334..11 47.8349
132 3.7
7190 0.2689
9 0.00368 271.8959 0.01368 73.11108 3761..69 51.4520
144 4.1906 0.2386
6 0.00313 319.0616 0.01313 76.11372 4177..47 54.8676
240 10.8
8926 0.0918
8 0.00101 989.2554 0.01101 90.88194 6878..60 75.7393
360 35.9
9496 0.0278
8 0.00029 3494.96 0.01029 97.22183 8720..43 89.6995
480 118..6477 0.0084
4 0.00008 11765 0.01008 99.11572 9511..16 95.9200
Interest F
Factor Tables 392

1.25
h Flow: Compo
ound Interest F
Factors 1.25%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
Compound Present Sinking Compou
s
n Amount Worth Fund
F Amou
unt Recovery y Worth
1 1.0125 0.9877 1.0
00000 1.0000 1.01250 0.9877
2 1.0252 0.9755 0.4
49680 2.0125 0.50939 1.9631 0.9755 0.4969
3 1.0380 0.9634 0.3
32920 3.0377 0.34170 2.9265 2.9023 0.9917
4 1.0509 0.9515 0.2
24536 4.0756 0.25786 3.8781 5.7569 1.4845
5 1.0641 0.9398 0.1
19506 5.1266 0.20756 4.8178 9.5160 1.9752
6 1.0774 0.9282 0.1
16153 6.1907 0.17403 5.7460 14.1569 2.4638
7 1.0909 0.9167 0.1
13759 7.2680 0.15009 6.6627 19.6571 2.9503
8 1.1045 0.9054 0.1
11963 8.3589 0.13213 7.5681 25.9949 3.4348
9 1.1183 0.8942 0.1
10567 9.4634 0.11817 8.4623 33.1487 3.9172
10 1.1323 0.8832 0.0
09450 10.58117 0.10700 9.3455 41.0973 4.3975
11 1.1464 0.8723 0.0
08537 11.71339 0.09787 10.2178 49.8201 4.8758
12 1.1608 0.8615 0.0
07776 12.86004 0.09026 11.0793 59.2967 5.3520
13 1.1753 0.8509 0.0
07132 14.02111 0.08382 11.9302 69.5072 5.8262
14 1.1900 0.8404 0.0
06581 15.19664 0.07831 12.7706 80.4320 6.2982
15 1.2048 0.8300 0.0
06103 16.38663 0.07353 13.6005 92.0519 6.7682
16 1.2199 0.8197 0.0
05685 17.59112 0.06935 14.4203 104.3481 7.2362
17 1.2351 0.8096 0.0
05316 18.81111 0.06566 15.2299 117.3021 7.7021
18 1.2506 0.7996 0.0
04988 20.04662 0.06238 16.0295 130.8958 8.1659
19 1.2662 0.7898 0.0
04696 21.29668 0.05946 16.8193 145.1115 8.6277
20 1.2820 0.7800 0.0
04432 22.56330 0.05682 17.5993 159.9316 9.0874
21 1.2981 0.7704 0.0
04194 23.84550 0.05444 18.3697 175.3392 9.5450
22 1.3143 0.7609 0.0
03977 25.14331 0.05227 19.1306 191.3174 10.0006
23 1.3307 0.7515 0.0
03780 26.45774 0.05030 19.8820 207.8499 10.4542
24 1.3474 0.7422 0.0
03599 27.78881 0.04849 20.6242 224.9204 10.9056
25 1.3642 0.7330 0.0
03432 29.13554 0.04682 21.3573 242.5132 11.3551
26 1.3812 0.7240 0.0
03279 30.49996 0.04529 22.0813 260.6128 11.8024
27 1.3985 0.7150 0.0
03137 31.88009 0.04387 22.7963 279.2040 12.2478
28 1.4160 0.7062 0.0
03005 33.27994 0.04255 23.5025 298.2719 12.6911
29 1.4337 0.6975 0.0
02882 34.69554 0.04132 24.2000 317.8019 13.1323
30 1.4516 0.6889 0.0
02768 36.12991 0.04018 24.8889 337.7797 13.5715
36 1.5639 0.6394 0.0
02217 45.11555 0.03467 28.8473 466.2830 16.1639
40 1.6436 0.6084 0.0
01942 51.48996 0.03192 31.3269 559.2320 17.8515
48 1.8154 0.5509 0.0
01533 65.22884 0.02783 35.9315 759.2296 21.1299
50 1.8610 0.5373 0.0
01452 68.88118 0.02702 37.0129 811.6738 21.9295
52 1.9078 0.5242 0.0
01377 72.62771 0.02627 38.0677 864.9409 22.7211
55 1.9803 0.5050 0.0
01275 78.42225 0.02525 39.6017 946.2277 23.8936
60 2.1072 0.4746 0.0
01129 88.57445 0.02379 42.0346 1084.84 25.8083
72 2.4459 0.4088 0.0
00865 115.6736 0.02115 47.2925 1428.46 30.2047
75 2.5388 0.3939 0.0
00812 123.10
035 0.02062 48.4890 1515.79 31.2605
84 2.8391 0.3522 0.0
00680 147.1290 0.01930 51.8222 1778.84 34.3258
90 3.0588 0.3269 0.0
00607 164.70
050 0.01857 53.8461 1953.83 36.2855
96 3.2955 0.3034 0.0
00545 183.64
411 0.01795 55.7246 2127.52 38.1793
100 3.4634 0.2887 0.0
00507 197.0723 0.01757 56.9013 2242.24 39.4058
108 3.8253 0.2614 0.0
00442 226.0226 0.01692 59.0865 2468.26 41.7737
120 4.4402 0.2252 0.0
00363 275.2171 0.01613 61.9828 2796.57 45.1184
132 5.1540 0.1940 0.0
00301 332.3198 0.01551 64.4781 3109.35 48.2234
144 5.9825 0.1672 0.0
00251 398.60
021 0.01501 66.6277 3404.61 51.0990
240 19.7155 0.0507 0.0
00067 1497.224 0.01317 75.9423 5101.53 67.1764
360 87.5410 0.0114 0.0
00014 6923.228 0.01264 79.0861 5997.90 75.8401
480 388.7007 0.0026 0.0
00003 310166 0.01253 79.7942 6284.74 78.7619
Interest F
Factor Tables 393

1.5% T AB
BLE 6 Discreete Cash Flow: Compound Intterest Factors 1.5%


Comp
pound Presen
m Series
n Amo
R Wo orth
1 1.0
0150 0.9852
2 1.00000 1.0000 1.01500 0.98852
2 1.0
0302 0.9707
7 0.49628 2.0150 0.51128 1.95559 0.97007 0.44963
3 1.0
0457 0.9563
3 0.32838 3.0452 0.34338 2.9 122 2.88333 0.99901
4 1.0
0614 0.9422
2 0.24444 4.0909 0.25944 3.85544 5.70998 1.44814
5 1.0
0773 0.9283
3 0.19409 5.1523 0.20909 4.78826 9.42229 1.99702
6 1.0
0934 0.9145
5 0.16053 6.2296 0.17553 5.69972 13.99956 2.44566
7 1.1098 0.9010
0 0.13656 7.3230 0.15156 6.59982 19.40018 2.99405
8 1.1265 0.8877
7 0.11858 8.4328 0.13358 7.48859 25.61157 3.44219
9 1.1434 0.8746
6 0.10461 9.5593 0.11961 8.36605 32.61125 3.99008
10 1.1605 0.8617
7 0.09343 10.7027 0.10843 9.22222 40.36675 4.33772
11 1.1779 0.8489
9 0.08429 11.8633 0.09929 10.00711 48.85568 4.88512
12 1.1956 0.8364
4 0.07668 13.0412 0.09168 10.99075 58.05571 5.33227
13 1.2
2136 0.8240
0 0.07024 14.2368 0.08524 11.77315 67.94454 5.77917
14 1.2
2318 0.8118
8 0.06472 15.4504 0.07972 12.55434 78.49994 6.22582
15 1.2
2502 0.7999
9 0.05994 16.6821 0.07494 13.33432 89.69974 6.77223
16 1.2
2690 0.7880
0 0.05577 17.9324 0.07077 14.11313 101.5 178 7.1839
17 1.2
2880 0.7764
4 0.05208 19.2014 0.06708 14.99076 113.94400 7.66431
18 1.3
3073 0.7649
9 0.04881 20.4894 0.06381 15.66726 126.94435 8.00997
19 1.3
3270 0.7536
6 0.04588 21.7967 0.06088 16.44262 140.50084 8.55539
20 1.3
3469 0.7425
5 0.04325 23.1237 0.05825 17.11686 154.6 154 9.00057
21 1.3
3671 0.7315
5 0.04087 24.4705 0.05587 17.99001 169.24453 9.44550
22 1.3
3876 0.7207
7 0.03870 25.8376 0.05370 18.66208 184.37798 9.99018
23 1.4
4084 0.7100
0 0.03673 27.2251 0.05173 19.33309 200.00006 10.3462
24 1.4
4295 0.6995
5 0.03492 28.6335 0.04992 20.00304 216.09901 10.7881
25 1.4
4509 0.6892
2 0.03326 30.0630 0.04826 20.77196 232.63310 11.2276
26 1.4
4727 0.6790
0 0.03173 31.5140 0.04673 21.33986 249.60065 11.6646
27 1.4
4948 0.6690
0 0.03032 32.9867 0.04532 22.00676 267.00002 12.0992
28 1.5
5172 0.6591 0.02900 34.4815 0.04400 22.77267 284.79958 12.5313
29 1.5
5400 0.6494
4 0.02778 35.9987 0.04278 23.33761 302.97779 12.9610
30 1.5
5631 0.6398
8 0.02664 37.5387 0.04164 24.00158 321.53310 13.3883
36 1.7
7091 0.5851 0.02115 47.2760 0.03615 27.66607 439.83303 15.9009
40 1.8
8140 0.5513
3 0.01843 54.2679 0.03343 29.99158 524.35568 17.5277
48 2.0
0435 0.4894
4 0.01437 69.5652 0.02937 34.00426 703.54462 20.6667
50 2.1052 0.4750
0 0.01357 73.6828 0.02857 34.99997 749.96636 21.4277
52 2.1689 0.4611 0.01283 77.9249 0.02783 35.99287 796.87774 22.1794
55 2.2
2679 0.4409
9 0.01183 84.5296 0.02683 37.22715 868.02285 23.2894
60 2.4
4432 0.4093
3 0.01039 96.2147 0.02539 39.33803 988.16674 25.0930
72 2.9
9212 0.3423
3 0.00781 128.0772 0.02281 43.88447 1279..79 29.1893
75 3.0
0546 0.3274
4 0.00730 136.9728 0.02230 44.88416 1352..56 30.1631
84 3.4
4926 0.2863
3 0.00602 166.1726 0.02102 47.55786 1568..51 32.9668
90 3.8
8189 0.2619
9 0.00532 187.9299 0.02032 49.22099 1709..54 34.7399
96 4.1758 0.2395
5 0.00472 211.7202 0.01972 50.77017 1847..47 36.4381
100 4.4
4320 0.2256
6 0.00437 228.8030 0.01937 51.66247 1937..45 37.5295
108 4.9
9927 0.2003
3 0.00376 266.1778 0.01876 53.33137 2112..13 39.6171
120 5.9
9693 0.1675
5 0.00302 331.2882 0.01802 55.44985 2359..71 42.5185
132 7.1370 0.1401 0.00244 409.1354 0.01744 57.33257 2588..71 45.1579
144 8.5
5332 0.1172
2 0.00199 502.2109 0.01699 58.88540 2798..58 47.5512
240 35.66328 0.0281 0.00043 2308.85 0.01543 64.77957 3870..69 59.7368
360 212..7038 0.0047
7 0.00007 14114 0.01507 66.33532 4310..72 64.9662
480 12669.70 0.0008
8 0.00001 84580 0.01501 66.66142 4415..74 66.2883
Interest F
Factor Tables 394

h Flow: Compo
ound Interest F
Factors 2%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
nking Compou
s
n Amount Worth Fund
F Amount Recoveryy Worth
1 1.0200 0.9804 1.0
00000 1.0000 1.02000 0.9804
2 1.0404 0.9612 0.4
49505 2.0200 0.51505 1.9416 0.9612 0.4950
3 1.0612 0.9423 0.3
32675 3.0604 0.34675 2.8839 2.8458 0.9868
4 1.0824 0.9238 0.2
24262 4.1216 0.26262 3.8077 5.6173 1.4752
5 1.1041 0.9057 0.1
19216 5.2040 0.21216 4.7135 9.2403 1.9604
6 1.1262 0.8880 0.1
15853 6.3081 0.17853 5.6014 13.6801 2.4423
7 1.1487 0.8706 0.1
13451 7.4343 0.15451 6.4720 18.9035 2.9208
8 1.1717 0.8535 0.1
11651 8.5830 0.13651 7.3255 24.8779 3.3961
9 1.1951 0.8368 0.1
10252 9.7546 0.12252 8.1622 31.5720 3.8681
10 1.2190 0.8203 0.0
09133 10.949
97 0.11133 8.9826 38.9551 4.3367
11 1.2434 0.8043 0.0
08218 12.168
87 0.10218 9.7868 46.9977 4.8021
12 1.2682 0.7885 0.0
07456 13.412
21 0.09456 10.5753 55.6712 5.2642
13 1.2936 0.7730 0.0
06812 14.680
03 0.08812 11.3484 64.9475 5.7231
14 1.3195 0.7579 0.0
06260 15.973
39 0.08260 12.1062 74.7999 6.1786
15 1.3459 0.7430 0.0
05783 17.293
34 0.07783 12.8493 85.2021 6.6309
16 1.3728 0.7284 0.0
05365 18.639
93 0.07365 13.5777 96.1288 7.0799
17 1.4002 0.7142 0.0
04997 20.012
21 0.06997 14.2919 107.5554 7.5256
18 1.4282 0.7002 0.0
04670 21.412
23 0.06670 14.9920 119.4581 7.9681
19 1.4568 0.6864 0.0
04378 22.840
06 0.06378 15.6785 131.8139 8.4073
20 1.4859 0.6730 0.0
04116 24.297
74 0.06116 16.3514 144.6003 8.8433
21 1.5157 0.6598 0.0
03878 25.783
33 0.05878 17.0112 157.7959 9.2760
22 1.5460 0.6468 0.0
03663 27.299
90 0.05663 17.6580 171.3795 9.7055
23 1.5769 0.6342 0.0
03467 28.845
50 0.05467 18.2922 185.3309 10.1317
24 1.6084 0.6217 0.0
03287 30.421
19 0.05287 18.9139 199.6305 10.5547
25 1.6406 0.6095 0.0
03122 32.030
03 0.05122 19.5235 214.2592 10.9745
26 1.6734 0.5976 0.0
02970 33.670
09 0.04970 20.1210 229.1987 11.3910
27 1.7069 0.5859 0.0
02829 35.344
43 0.04829 20.7069 244.4311 11.8043
28 1.7410 0.5744 0.0
02699 37.051
12 0.04699 21.2813 259.9392 12.2145
29 1.7758 0.5631 0.0
02578 38.792
22 0.04578 21.8444 275.7064 12.6214
30 1.8114 0.5521 0.0
02465 40.568
81 0.04465 22.3965 291.7164 13.0251
36 2.0399 0.4902 0.0
01923 51.994
44 0.03923 25.4888 392.0405 15.3809
40 2.2080 0.4529 0.0
01656 60.402
20 0.03656 27.3555 461.9931 16.8885
48 2.5871 0.3865 0.0
01260 79.353
35 0.03260 30.6731 605.9657 19.7556
50 2.6916 0.3715 0.0
01182 84.579
94 0.03182 31.4236 642.3606 20.4420
52 2.8003 0.3571 0.0
01111 90.016
64 0.03111 32.1449 678.7849 21.1164
55 2.9717 0.3365 0.0
01014 98.586
65 0.03014 33.1748 733.3527 22.1057
60 3.2810 0.3048 0.0
00877 114.0515 0.02877 34.7609 823.6975 23.6961
72 4.1611 0.2403 0.0
00633 158.0570 0.02633 37.9841 1034.06 27.2234
75 4.4158 0.2265 0.0
00586 170.7918 0.02586 38.6771 1084.64 28.0434
84 5.2773 0.1895 0.0
00468 213.8666 0.02468 40.5255 1230.42 30.3616
90 5.9431 0.1683 0.0
00405 247.1567 0.02405 41.5869 1322.17 31.7929
96 6.6929 0.1494 0.0
00351 284.6467 0.02351 42.5294 1409.30 33.1370
100 7.2446 0.1380 0.0
00320 312.2323 0.02320 43.0984 1464.75 33.9863
108 8.4883 0.1178 0.0
00267 374.4129 0.02267 44.1095 1569.30 35.5774
120 10.7652 0.0929 0.0
00205 488.2582 0.02205 45.3554 1710.42 37.7114
132 13.6528 0.0732 0.0
00158 632.6415 0.02158 46.3378 1833.47 39.5676
144 17.3151 0.0578 0.0
00123 815.7545 0.02123 47.1123 1939.79 41.1738
240 115.8887 0.0086 0.0
00017 5744.4
44 0.02017 49.5686 2374.88 47.9110
360 1247.56 0.0008 0.0
00002 623288 0.02002 49.9599 2482.57 49.7112
480 13430 0.0001 0.02000 49.9963 2498.03 49.9643

Interest F
Factor Tables 395

3% T AB
BLE 8 Discreete Cash Flow: Compound Intterest Factors 3%


Comp
pound Presen
m Series
n Amo
R Wo orth
1 1.0
0300 0.9709
9 1.00000 1.0000 1.03000 0.97709
2 1.0
0609 0.9426
6 0.49261 2.0300 0.52261 1.9 135 0.94226 0.44926
3 1.0
0927 0.9151 0.32353 3.0909 0.35353 2.82286 2.77229 0.99803
4 1.1255 0.8885
5 0.23903 4.1836 0.26903 3.7 171 5.43883 1.44631
5 1.1593 0.8626
6 0.18835 5.3091 0.21835 4.57797 8.88888 1.99409
6 1.1941 0.8375
5 0.15460 6.4684 0.18460 5.4 172 13.07762 2.44138
7 1.2
2299 0.8131 0.13051 7.6625 0.16051 6.23303 17.95547 2.88819
8 1.2
2668 0.7894
4 0.11246 8.8923 0.14246 7.0 197 23.48806 3.33450
9 1.3
3048 0.7664
4 0.09843 10.1591 0.12843 7.78861 29.61119 3.88032
10 1.3
3439 0.7441 0.08723 11.4639 0.11723 8.53302 36.30088 4.22565
11 1.3
3842 0.7224
4 0.07808 12.8078 0.10808 9.25526 43.53330 4.77049
12 1.4
4258 0.7014
4 0.07046 14.1920 0.10046 9.95540 51.24482 5.1485
13 1.4
4685 0.6810
0 0.06403 15.6178 0.09403 10.66350 59.41196 5.55872
14 1.5
5126 0.6611 0.05853 17.0863 0.08853 11.22961 68.01141 6.00210
15 1.5
5580 0.6419
9 0.05377 18.5989 0.08377 11.99379 77.00002 6.44500
16 1.6
6047 0.6232
2 0.04961 20.1569 0.07961 12.55611 86.34477 6.88742
17 1.6
6528 0.6050
0 0.04595 21.7616 0.07595 13.11661 96.02280 7.22936
18 1.7
7024 0.5874
4 0.04271 23.4144 0.07271 13.77535 106.0 137 7.77081
19 1.7
7535 0.5703
3 0.03981 25.1169 0.06981 14.33238 116.27788 8.1179
20 1.8
8061 0.5537
7 0.03722 26.8704 0.06722 14.88775 126.79987 8.55229
21 1.8
8603 0.5375
5 0.03487 28.6765 0.06487 15.44150 137.54496 8.99231
22 1.9
9161 0.5219
9 0.03275 30.5368 0.06275 15.99369 148.50094 9.33186
23 1.9
9736 0.5067
7 0.03081 32.4529 0.06081 16.44436 159.65566 9.77093
24 2.0
0328 0.4919
9 0.02905 34.4265 0.05905 16.99355 170.97711 10.0954
25 2.0
0938 0.4776
6 0.02743 36.4593 0.05743 17.44131 182.43336 10.4768
26 2.1566 0.4637
7 0.02594 38.5530 0.05594 17.88768 194.02260 10.8535
27 2.2
2213 0.4502
2 0.02456 40.7096 0.05456 18.33270 205.73309 11.2255
28 2.2
2879 0.4371 0.02329 42.9309 0.05329 18.77641 217.53320 11.5930
29 2.3
3566 0.4243
3 0.02211 45.2189 0.05211 19.11885 229.4 137 11.9558
30 2.4
4273 0.4120
0 0.02102 47.5754 0.05102 19.66004 241.36613 12.3141
31 2.5
5001 0.4000
0 0.02000 50.0027 0.05000 20.00004 253.36609 12.6678
32 2.5
5751 0.3883
3 0.01905 52.5028 0.04905 20.33888 265.39993 13.0169
33 2.6
6523 0.3770
0 0.01816 55.0778 0.04816 20.77658 277.46642 13.3616
34 2.7
7319 0.3660
0 0.01732 57.7302 0.04732 21.11318 289.54437 13.7018
35 2.8
8139 0.3554
4 0.01654 60.4621 0.04654 21.44872 301.62267 14.0375
40 3.2
2620 0.3066
6 0.01326 75.4013 0.04326 23.11148 361.74499 15.6502
45 3.7
7816 0.2644
4 0.01079 92.7199 0.04079 24.55187 420.63325 17.1556
50 4.3
3839 0.2281 0.00887 112.7969 0.03887 25.77298 477.48803 18.5575
55 5.0
0821 0.1968
8 0.00735 136.0716 0.03735 26.77744 531.74411 19.8600
60 5.8
8916 0.1697
7 0.00613 163.0534 0.03613 27.66756 583.05526 21.0674
65 6.8
8300 0.1464
4 0.00515 194.3328 0.03515 28.44529 631.20010 22.1841
70 7.9
9178 0.1263
3 0.00434 230.5941 0.03434 29.11234 676.08869 23.2145
75 9.1789 0.1089
9 0.00367 272.6309 0.03367 29.77018 717.69978 24.1634
80 10.6
6409 0.0940
0 0.00311 321.3630 0.03311 30.22008 756.08865 255.0353
84 11.9
9764 0.0835
5 0.00273 365.8805 0.03273 30.55501 784.54434 255.6806
85 12.3
3357 0.0811 0.00265 377.8570 0.03265 30.66312 791.35529 255.8349
90 14.3
3005 0.0699
9 0.00226 443.3489 0.03226 31.00024 823.63302 266.5667
96 17.0
0755 0.0586
6 0.00187 535.8502 0.03187 31.33812 858.63377 277.3615
108 24.3
3456 0.0411 0.00129 778.1863 0.03129 31.99642 917.60013 288.7072
120 34.7
7110 0.0288
8 0.00089 1123.70 0.03089 32.33730 963.86635 29.7737
Interest F
Factor Tables 396

h Flow: Compo
ound Interest F
Factors 4%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
nking Compou
s
n Amount Worth Fund
1 1.0400 0.9615 1.0
00000 1.0000 1.04000 0.9615
2 1.0816 0.9246 0.4
49020 2.0400 0.53020 1.8861 0.9246 0.4902
3 1.1249 0.8890 0.3
32035 3.1216 0.36035 2.7751 2.7025 0.9739
4 1.1699 0.8548 0.2
23549 4.2465 0.27549 3.6299 5.2670 1.4510
5 1.2167 0.8219 0.1
18463 5.4163 0.22463 4.4518 8.5547 1.9216
6 1.2653 0.7903 0.1
15076 6.6330 0.19076 5.2421 12.5062 2.3857
7 1.3159 0.7599 0.1
12661 7.8983 0.16661 6.0021 17.0657 2.8433
8 1.3686 0.7307 0.1
10853 9.2142 0.14853 6.7327 22.1806 3.2944
9 1.4233 0.7026 0.0
09449 10.58228 0.13449 7.4353 27.8013 3.7391
10 1.4802 0.6756 0.0
08329 12.00661 0.12329 8.1109 33.8814 4.1773
11 1.5395 0.6496 0.0
07415 13.48664 0.11415 8.7605 40.3772 4.6090
12 1.6010 0.6246 0.0
06655 15.02558 0.10655 9.3851 47.2477 5.0343
13 1.6651 0.6006 0.0
06014 16.62668 0.10014 9.9856 54.4546 5.4533
14 1.7317 0.5775 0.0
05467 18.29119 0.09467 10.5631 61.9618 5.8659
15 1.8009 0.5553 0.0
04994 20.02336 0.08994 11.1184 69.7355 6.2721
16 1.8730 0.5339 0.0
04582 21.82445 0.08582 11.6523 77.7441 6.6720
17 1.9479 0.5134 0.0
04220 23.69775 0.08220 12.1657 85.9581 7.0656
18 2.0258 0.4936 0.0
03899 25.64554 0.07899 12.6593 94.3498 7.4530
19 2.1068 0.4746 0.0
03614 27.67112 0.07614 13.1339 102.8933 7.8342
20 2.1911 0.4564 0.0
03358 29.77881 0.07358 13.5903 111.5647 8.2091
21 2.2788 0.4388 0.0
03128 31.96992 0.07128 14.0292 120.3414 8.5779
22 2.3699 0.4220 0.0
02920 34.24880 0.06920 14.4511 129.2024 8.9407
23 2.4647 0.4057 0.0
02731 36.61779 0.06731 14.8568 138.1284 9.2973
24 2.5633 0.3901 0.0
02559 39.08226 0.06559 15.2470 147.1012 9.6479
25 2.6658 0.3751 0.0
02401 41.64559 0.06401 15.6221 156.1040 9.9925
26 2.7725 0.3607 0.0
02257 44.31117 0.06257 15.9828 165.1212 10.3312
27 2.8834 0.3468 0.0
02124 47.08442 0.06124 16.3296 174.1385 10.6640
28 2.9987 0.3335 0.0
02001 49.96776 0.06001 16.6631 183.1424 10.9909
29 3.1187 0.3207 0.0
01888 52.96663 0.05888 16.9837 192.1206 11.3120
30 3.2434 0.3083 0.0
01783 56.08449 0.05783 17.2920 201.0618 11.6274
31 3.3731 0.2965 0.0
01686 59.32883 0.05686 17.5885 209.9556 11.9371
32 3.5081 0.2851 0.0
01595 62.70115 0.05595 17.8736 218.7924 12.2411
33 3.6484 0.2741 0.0
01510 66.20995 0.05510 18.1476 227.5634 12.5396
34 3.7943 0.2636 0.0
01431 69.85779 0.05431 18.4112 236.2607 12.8324
35 3.9461 0.2534 0.0
01358 73.65222 0.05358 18.6646 244.8768 13.1198
40 4.8010 0.2083 0.0
01052 95.02555 0.05052 19.7928 286.5303 14.4765
45 5.8412 0.1712 0.0
00826 121.0294 0.04826 20.7200 325.4028 15.7047
50 7.1067 0.1407 0.0
00655 152.6671 0.04655 21.4822 361.1638 16.8122
55 8.6464 0.1157 0.0
00523 191.1592 0.04523 22.1086 393.6890 17.8070
60 10.5196 0.0951 0.0
00420 237.9907 0.04420 22.6235 422.9966 18.6972
65 12.7987 0.0781 0.0
00339 294.9684 0.04339 23.0467 449.2014 19.4909
70 15.5716 0.0642 0.0
00275 364.2905 0.04275 23.3945 472.4789 20.1961
75 18.9453 0.0528 0.0
00223 448.6314 0.04223 23.6804 493.0408 20.8206
80 23.0498 0.0434 0.0
00181 551.2450 0.04181 23.9154 511.1161 21.3718
85 28.0436 0.0357 0.0
00148 676.0901 0.04148 24.1085 526.9384 21.8569
90 34.1193 0.0293 0.0
00121 827.9833 0.04121 24.2673 540.7369 22.2826
96 43.1718 0.0232 0.0
00095 1054.330 0.04095 24.4209 554.9312 22.7236
108 69.1195 0.0145 0.0
00059 1702.999 0.04059 24.6383 576.8949 23.4146
120 110.6626 0.0090 0.0
00036 2741.556 0.04036 24.7741 592.2428 23.9057
144 283.6618 0.0035 0.0
00014 7066.555 0.04014 24.9119 610.1055 24.4906
Interest F
Factor Tables 397

5% T AB L E 10 Discreete Cash Flow:: Compound Innterest Factors 5%


Comp
pound Presen
m Series
n Amo
R Wo orth
1 1.0
0500 0.9524
4 1.00000 1.0000 1.05000 0.95524
2 1.1025 0.9070
0 0.48780 2.0500 0.53780 1.85594 0.90770 0.44878
3 1.1576 0.8638
8 0.31721 3.1525 0.36721 2.72232 2.63447 0.99675
4 1.2
2155 0.8227
7 0.23201 4.3101 0.28201 3.54460 5.10228 1.44391
5 1.2
2763 0.7835
5 0.18097 5.5256 0.23097 4.32295 8.23669 1.99025
6 1.3
3401 0.7462
2 0.14702 6.8019 0.19702 5.07757 11.96680 2.33579
7 1.4
4071 0.7107
7 0.12282 8.1420 0.17282 5.78864 16.23321 2.88052
8 1.4
4775 0.6768
8 0.10472 9.5491 0.15472 6.46632 20.97700 3.22445
9 1.5
5513 0.6446
6 0.09069 11.0266 0.14069 7.10078 26.12268 3.66758
10 1.6
6289 0.6139
9 0.07950 12.5779 0.12950 7.72217 31.65520 4.00991
11 1.7
7103 0.5847
7 0.07039 14.2068 0.12039 8.30064 37.49988 4.55144
12 1.7
7959 0.5568
8 0.06283 15.9171 0.11283 8.86633 43.62241 4.99219
13 1.8
8856 0.5303
3 0.05646 17.7130 0.10646 9.39936 49.98879 5.33215
14 1.9
9799 0.5051 0.05102 19.5986 0.10102 9.89986 56.55538 5.77133
15 2.0
0789 0.4810
0 0.04634 21.5786 0.09634 10.33797 63.28880 6.00973
16 2.1829 0.4581 0.04227 23.6575 0.09227 10.88378 70.15597 6.44736
17 2.2
2920 0.4363
3 0.03870 25.8404 0.08870 11.22741 77.14405 6.88423
18 2.4
4066 0.4155
5 0.03555 28.1324 0.08555 11.66896 84.20043 7.22034
19 2.5
5270 0.3957
7 0.03275 30.5390 0.08275 12.00853 91.32275 7.55569
20 2.6
6533 0.3769
9 0.03024 33.0660 0.08024 12.44622 98.48884 7.99030
21 2.7
7860 0.3589
9 0.02800 35.7193 0.07800 12.88212 105.66673 8.22416
22 2.9
9253 0.3418
8 0.02597 38.5052 0.07597 13.11630 112.84461 8.55730
23 3.0
0715 0.3256
6 0.02414 41.4305 0.07414 13.44886 120.00087 8.88971
24 3.2
2251 0.3101 0.02247 44.5020 0.07247 13.77986 127.14402 9.22140
25 3.3
3864 0.2953
3 0.02095 47.7271 0.07095 14.00939 134.22275 9.55238
26 3.5
5557 0.2812
2 0.01956 51.1135 0.06956 14.33752 141.25585 9.88266
27 3.7
7335 0.2678
8 0.01829 54.6691 0.06829 14.66430 148.22226 10.1224
28 3.9
9201 0.2551 0.01712 58.4026 0.06712 14.88981 155.1 101 10.4114
29 4.1161 0.2429
9 0.01605 62.3227 0.06605 15.11411 161.9 126 10.6936
30 4.3
3219 0.2314
4 0.01505 66.4388 0.06505 15.33725 168.62226 10.9691
31 4.5
5380 0.2204
4 0.01413 70.7608 0.06413 15.55928 175.23333 11.2381
32 4.7
7649 0.2099
9 0.01328 75.2988 0.06328 15.88027 181.73392 11.5005
33 5.0
0032 0.1999
9 0.01249 80.0638 0.06249 16.00025 188.13351 11.7566
34 5.2
2533 0.1904
4 0.01176 85.0670 0.06176 16.11929 194.4 168 12.0063
35 5.5
5160 0.1813
3 0.01107 90.3203 0.06107 16.33742 200.58807 12.2498
40 7.0
0400 0.1420
0 0.00828 120.7998 0.05828 17.11591 229.54452 13.3775
45 8.9
9850 0.1113
3 0.00626 159.7002 0.05626 17.77741 255.3 145 14.3644
50 11.4
4674 0.0872
2 0.00478 209.3480 0.05478 18.22559 277.9 148 15.2233
55 14.6
6356 0.0683
3 0.00367 272.7126 0.05367 18.66335 297.5 104 15.9664
60 18.6
6792 0.0535
5 0.00283 353.5837 0.05283 18.99293 314.34432 16.6062
65 23.8
8399 0.0419
9 0.00219 456.7980 0.05219 19.11611 328.69910 17.1541
70 30.4
4264 0.0329
9 0.00170 588.5285 0.05170 19.33427 340.84409 17.6212
75 38.8
8327 0.0258
8 0.00132 756.6537 0.05132 19.44850 351.07721 18.0176
80 49.5
5614 0.0202
2 0.00103 971.2288 0.05103 19.55965 359.64460 18.3526
85 63.2
2544 0.0158
8 0.00080 1245.09 0.05080 19.66838 366.80007 18.6346
90 80.7
7304 0.0124
4 0.00063 1594.61 0.05063 19.77523 372.74488 18.8712
95 103..0347 0.0097
7 0.00049 2040.69 0.05049 19.88059 377.67774 19.0689
96 108..1864 0.0092
2 0.00047 2143.73 0.05047 19.88151 378.55555 19.1044
98 119..2755 0.0084
4 0.00042 2365.51 0.05042 19.88323 380.2 139 19.1714
100 131..5013 0.0076
6 0.00038 2610.03 0.05038 19.88479 381.74492 19.2337
Interest F
Factor Tables 398

6% T AB L E 11 Discrete Cassh Flow: Comp
pound Interest F
Factors 6%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
nking Compou
s
n Amount Worth Fund
F Amount Recovery y Worth
1 1.0600 0.9434 1.0
00000 1.0000 1.06000 0.9434
2 1.1236 0.8900 0.4
48544 2.0600 0.54544 1.8334 0.8900 0.4854
3 1.1910 0.8396 0.3
31411 3.1836 0.37411 2.6730 2.5692 0.9612
4 1.2625 0.7921 0.2
22859 4.3746 0.28859 3.4651 4.9455 1.4272
5 1.3382 0.7473 0.1
17740 5.6371 0.23740 4.2124 7.9345 1.8836
6 1.4185 0.7050 0.1
14336 6.9753 0.20336 4.9173 11.4594 2.3304
7 1.5036 0.6651 0.1
11914 8.3938 0.17914 5.5824 15.4497 2.7676
8 1.5938 0.6274 0.1
10104 9.8975 0.16104 6.2098 19.8416 3.1952
9 1.6895 0.5919 0.0
08702 11.49113 0.14702 6.8017 24.5768 3.6133
10 1.7908 0.5584 0.0
07587 13.18008 0.13587 7.3601 29.6023 4.0220
11 1.8983 0.5268 0.0
06679 14.97116 0.12679 7.8869 34.8702 4.4213
12 2.0122 0.4970 0.0
05928 16.86999 0.11928 8.3838 40.3369 4.8113
13 2.1329 0.4688 0.0
05296 18.88221 0.11296 8.8527 45.9629 5.1920
14 2.2609 0.4423 0.0
04758 21.01551 0.10758 9.2950 51.7128 5.5635
15 2.3966 0.4173 0.0
04296 23.27660 0.10296 9.7122 57.5546 5.9260
16 2.5404 0.3936 0.0
03895 25.67225 0.09895 10.1059 63.4592 6.2794
17 2.6928 0.3714 0.0
03544 28.21229 0.09544 10.4773 69.4011 6.6240
18 2.8543 0.3503 0.0
03236 30.90557 0.09236 10.8276 75.3569 6.9597
19 3.0256 0.3305 0.0
02962 33.76000 0.08962 11.1581 81.3062 7.2867
20 3.2071 0.3118 0.0
02718 36.78556 0.08718 11.4699 87.2304 7.6051
21 3.3996 0.2942 0.0
02500 39.99227 0.08500 11.7641 93.1136 7.9151
22 3.6035 0.2775 0.0
02305 43.39223 0.08305 12.0416 98.9412 8.2166
23 3.8197 0.2618 0.0
02128 46.99558 0.08128 12.3034 104.7007 8.5099
24 4.0489 0.2470 0.0
01968 50.81556 0.07968 12.5504 110.3812 8.7951
25 4.2919 0.2330 0.0
01823 54.86445 0.07823 12.7834 115.9732 9.0722
26 4.5494 0.2198 0.0
01690 59.15664 0.07690 13.0032 121.4684 9.3414
27 4.8223 0.2074 0.0
01570 63.70558 0.07570 13.2105 126.8600 9.6029
28 5.1117 0.1956 0.0
01459 68.52881 0.07459 13.4062 132.1420 9.8568
29 5.4184 0.1846 0.0
01358 73.63998 0.07358 13.5907 137.3096 10.1032
30 5.7435 0.1741 0.0
01265 79.05882 0.07265 13.7648 142.3588 10.3422
31 6.0881 0.1643 0.0
01179 84.80117 0.07179 13.9291 147.2864 10.5740
32 6.4534 0.1550 0.0
01100 90.88998 0.07100 14.0840 152.0901 10.7988
33 6.8406 0.1462 0.0
01027 97.34332 0.07027 14.2302 156.7681 11.0166
34 7.2510 0.1379 0.0
00960 104.1838 0.06960 14.3681 161.3192 11.2276
35 7.6861 0.1301 0.0
00897 111.4348 0.06897 14.4982 165.7427 11.4319
40 10.2857 0.0972 0.0
00646 154.7620 0.06646 15.0463 185.9568 12.3590
45 13.7646 0.0727 0.0
00470 212.7435 0.06470 15.4558 203.1096 13.1413
50 18.4202 0.0543 0.0
00344 290.3359 0.06344 15.7619 217.4574 13.7964
55 24.6503 0.0406 0.0
00254 394.1720 0.06254 15.9905 229.3222 14.3411
60 32.9877 0.0303 0.0
00188 533.1282 0.06188 16.1614 239.0428 14.7909
65 44.1450 0.0227 0.0
00139 719.0829 0.06139 16.2891 246.9450 15.1601
70 59.0759 0.0169 0.0
00103 967.9322 0.06103 16.3845 253.3271 15.4613
75 79.0569 0.0126 0.0
00077 1300.995 0.06077 16.4558 258.4527 15.7058
80 105.7960 0.0095 0.0
00057 1746.660 0.06057 16.5091 262.5493 15.9033
85 141.5789 0.0071 0.0
00043 2342.998 0.06043 16.5489 265.8096 16.0620
90 189.4645 0.0053 0.0
00032 3141.008 0.06032 16.5787 268.3946 16.1891
95 253.5463 0.0039 0.0
00024 4209.110 0.06024 16.6009 270.4375 16.2905
96 268.7590 0.0037 0.0
00022 4462.665 0.06022 16.6047 270.7909 16.3081
98 301.9776 0.0033 0.0
00020 5016.229 0.06020 16.6115 271.4491 16.3411
100 339.3021 0.0029 0.0
00018 5638.337 0.06018 16.6175 272.0471 16.3711
Interest F
Factor Tables 399



Comp
pound Presen
m Series
n Amo
R Wo orth
1 1.0
0700 0.9346
6 1.00000 1.0000 1.07000 0.93346
2 1.1449 0.8734
4 0.48309 2.0700 0.55309 1.80080 0.87334 0.44831
3 1.2
2250 0.8163
3 0.31105 3.2149 0.38105 2.62243 2.50660 0.99549
4 1.3
3108 0.7629
9 0.22523 4.4399 0.29523 3.38872 4.79447 1.44155
5 1.4
4026 0.7130
0 0.17389 5.7507 0.24389 4.10002 7.64667 1.88650
6 1.5
5007 0.6663
3 0.13980 7.1533 0.20980 4.76665 10.97784 2.33032
7 1.6
6058 0.6227
7 0.11555 8.6540 0.18555 5.38893 14.71149 2.77304
8 1.7
7182 0.5820
0 0.09747 10.2598 0.16747 5.97713 18.78889 3.1465
9 1.8
8385 0.5439
9 0.08349 11.9780 0.15349 6.5 152 23.14404 3.55517
10 1.9
9672 0.5083
3 0.07238 13.8164 0.14238 7.02236 27.71156 3.99461
11 2.1049 0.4751 0.06336 15.7836 0.13336 7.49987 32.46665 4.33296
12 2.2
2522 0.4440
0 0.05590 17.8885 0.12590 7.94427 37.35506 4.77025
13 2.4
4098 0.4150
0 0.04965 20.1406 0.11965 8.35577 42.33302 5.00648
14 2.5
5785 0.3878
8 0.04434 22.5505 0.11434 8.74455 47.37718 5.44167
15 2.7
7590 0.3624
4 0.03979 25.1290 0.10979 9.10079 52.44461 5.77583
16 2.9
9522 0.3387
7 0.03586 27.8881 0.10586 9.44466 57.52271 6.00897
17 3.1588 0.3166
6 0.03243 30.8402 0.10243 9.76632 62.59923 6.44110
18 3.3
3799 0.2959
9 0.02941 33.9990 0.09941 10.00591 67.62219 6.77225
19 3.6
6165 0.2765
5 0.02675 37.3790 0.09675 10.33356 72.59991 7.00242
20 3.8
8697 0.2584
4 0.02439 40.9955 0.09439 10.55940 77.50091 7.33163
21 4.1406 0.2415
5 0.02229 44.8652 0.09229 10.88355 82.33393 7.55990
22 4.4
4304 0.2257
7 0.02041 49.0057 0.09041 11.00612 87.07793 7.88725
23 4.7
7405 0.2109
9 0.01871 53.4361 0.08871 11.22722 91.72201 8.1369
24 5.0
0724 0.1971 0.01719 58.1767 0.08719 11.44693 96.25545 8.33923
25 5.4
4274 0.1842
2 0.01581 63.2490 0.08581 11.66536 100.67765 8.66391
26 5.8
8074 0.1722
2 0.01456 68.6765 0.08456 11.88258 104.98814 8.88773
27 6.2
2139 0.1609
9 0.01343 74.4838 0.08343 11.99867 109.16656 9.1072
28 6.6
6488 0.1504
4 0.01239 80.6977 0.08239 12.11371 113.22264 9.33289
29 7.1143 0.1406
6 0.01145 87.3465 0.08145 12.22777 117.16622 9.55427
30 7.6
6123 0.1314
4 0.01059 94.4608 0.08059 12.44090 120.97718 9.77487
31 8.1451 0.1228
8 0.00980 102.0730 0.07980 12.55318 124.65550 9.99471
32 8.7
7153 0.1147
7 0.00907 110.2182 0.07907 12.66466 128.2 120 10.1381
33 9.3
3253 0.1072
2 0.00841 118.9334 0.07841 12.77538 131.64435 10.3219
34 9.9
9781 0.1002
2 0.00780 128.2588 0.07780 12.88540 134.95507 10.4987
35 10.6
6766 0.0937
7 0.00723 138.2369 0.07723 12.99477 138.13353 10.6687
40 14.9
9745 0.0668
8 0.00501 199.6351 0.07501 13.33317 152.29928 11.4233
45 21.0
0025 0.0476
6 0.00350 285.7493 0.07350 13.66055 163.75559 12.0360
50 29.4
4570 0.0339
9 0.00246 406.5289 0.07246 13.88007 172.90051 12.5287
55 41.3
3150 0.0242
2 0.00174 575.9286 0.07174 13.99399 180.12243 12.9215
60 57.9
9464 0.0173
3 0.00123 813.5204 0.07123 14.00392 185.76677 13.2321
65 81.2
2729 0.0123
3 0.00087 1146.76 0.07087 14.11099 190.14452 13.4760
70 113..9894 0.0088
8 0.00062 1614.13 0.07062 14.11604 193.5 185 13.6662
75 159..8760 0.0063
3 0.00044 2269.66 0.07044 14.11964 196.10035 13.8136
80 224..2344 0.0045
5 0.00031 3189.06 0.07031 14.22220 198.07748 13.9273
85 314..5003 0.0032
2 0.00022 4478.58 0.07022 14.22403 199.57717 14.0146
90 441..1030 0.0023
3 0.00016 6287.19 0.07016 14.22533 200.70042 14.0812
95 618..6697 0.0016
6 0.00011 8823.85 0.07011 14.22626 201.55581 14.1319
96 661..9766 0.0015
5 0.00011 9442.52 0.07011 14.22641 201.70016 14.1405
98 757..8970 0.0013
3 0.00009 10813 0.07009 14.22669 201.96651 14.1562
100 867..7163 0.0012
2 0.00008 12382 0.07008 14.22693 202.20001 14.1703
400 Interest Factor
F Tables

8% T AB L E 13 Discrete Cassh Flow: Comp
pound Interest F
Factors 8%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
nking Compou
s
n Amount Worth Fund
1 1.0800 0.9259 1.0
00000 1.0000 1.08000 0.9259
2 1.1664 0.8573 0.4
48077 2.0800 0.56077 1.7833 0.8573 0.4808
3 1.2597 0.7938 0.3
30803 3.2464 0.38803 2.5771 2.4450 0.9487
4 1.3605 0.7350 0.2
22192 4.5061 0.30192 3.3121 4.6501 1.4040
5 1.4693 0.6806 0.1
17046 5.8666 0.25046 3.9927 7.3724 1.8465
6 1.5869 0.6302 0.1
13632 7.3359 0.21632 4.6229 10.5233 2.2763
7 1.7138 0.5835 0.1
11207 8.9228 0.19207 5.2064 14.0242 2.6937
8 1.8509 0.5403 0.0
09401 10.636
66 0.17401 5.7466 17.8061 3.0985
9 1.9990 0.5002 0.0
08008 12.487
76 0.16008 6.2469 21.8081 3.4910
10 2.1589 0.4632 0.0
06903 14.486
66 0.14903 6.7101 25.9768 3.8713
11 2.3316 0.4289 0.0
06008 16.645
55 0.14008 7.1390 30.2657 4.2395
12 2.5182 0.3971 0.0
05270 18.977
71 0.13270 7.5361 34.6339 4.5957
13 2.7196 0.3677 0.0
04652 21.495
53 0.12652 7.9038 39.0463 4.9402
14 2.9372 0.3405 0.0
04130 24.214
49 0.12130 8.2442 43.4723 5.2731
15 3.1722 0.3152 0.0
03683 27.152
21 0.11683 8.5595 47.8857 5.5945
16 3.4259 0.2919 0.0
03298 30.324
43 0.11298 8.8514 52.2640 5.9046
17 3.7000 0.2703 0.0
02963 33.750
02 0.10963 9.1216 56.5883 6.2037
18 3.9960 0.2502 0.0
02670 37.450
02 0.10670 9.3719 60.8426 6.4920
19 4.3157 0.2317 0.0
02413 41.446
63 0.10413 9.6036 65.0134 6.7697
20 4.6610 0.2145 0.0
02185 45.762
20 0.10185 9.8181 69.0898 7.0369
21 5.0338 0.1987 0.0
01983 50.422
29 0.09983 10.0168 73.0629 7.2940
22 5.4365 0.1839 0.0
01803 55.456
68 0.09803 10.2007 76.9257 7.5412
23 5.8715 0.1703 0.0
01642 60.893
33 0.09642 10.3711 80.6726 7.7786
24 6.3412 0.1577 0.0
01498 66.764
48 0.09498 10.5288 84.2997 8.0066
25 6.8485 0.1460 0.0
01368 73.105
59 0.09368 10.6748 87.8041 8.2254
26 7.3964 0.1352 0.0
01251 79.954
44 0.09251 10.8100 91.1842 8.4352
27 7.9881 0.1252 0.0
01145 87.350
08 0.09145 10.9352 94.4390 8.6363
28 8.6271 0.1159 0.0
01049 95.338
88 0.09049 11.0511 97.5687 8.8289
29 9.3173 0.1073 0.0
00962 103.9659 0.08962 11.1584 100.5738 9.0133
30 10.0627 0.0994 0.0
00883 113.2832 0.08883 11.2578 103.4558 9.1897
31 10.8677 0.0920 0.0
00811 123.3459 0.08811 11.3498 106.2163 9.3584
32 11.7371 0.0852 0.0
00745 134.2135 0.08745 11.4350 108.8575 9.5197
33 12.6760 0.0789 0.0
00685 145.9506 0.08685 11.5139 111.3819 9.6737
34 13.6901 0.0730 0.0
00630 158.6267 0.08630 11.5869 113.7924 9.8208
35 14.7853 0.0676 0.0
00580 172.3168 0.08580 11.6546 116.0920 9.9611
40 21.7245 0.0460 0.0
00386 259.0565 0.08386 11.9246 126.0422 10.5699
45 31.9204 0.0313 0.0
00259 386.5056 0.08259 12.1084 133.7331 11.0447
50 46.9016 0.0213 0.0
00174 573.7702 0.08174 12.2335 139.5928 11.4107
55 68.9139 0.0145 0.0
00118 848.9232 0.08118 12.3186 144.0065 11.6902
60 101.2571 0.0099 0.0
00080 1253.2
21 0.08080 12.3766 147.3000 11.9015
65 148.7798 0.0067 0.0
00054 1847.2
25 0.08054 12.4160 149.7387 12.0602
70 218.6064 0.0046 0.0
00037 2720.0
08 0.08037 12.4428 151.5326 12.1783
75 321.2045 0.0031 0.0
00025 4002.5
56 0.08025 12.4611 152.8448 12.2658
80 471.9548 0.0021 0.0
00017 5886.9
94 0.08017 12.4735 153.8001 12.3301
85 693.4565 0.0014 0.0
00012 8655.7
71 0.08012 12.4820 154.4925 12.3772
90 1018.92 0.0010 0.0
00008 127244 0.08008 12.4877 154.9925 12.4116
95 1497.12 0.0007 0.0
00005 187022 0.08005 12.4917 155.3524 12.4365
96 1616.89 0.0006 0.0
00005 201999 0.08005 12.4923 155.4112 12.4406
98 1885.94 0.0005 0.0
00004 235622 0.08004 12.4934 155.5176 12.4480
100 2199.76 0.0005 0.0
00004 274855 0.08004 12.4943 155.6107 12.4545
400 Interest Factor
F Tables



Comp
pound Presen
m Series
n Amo
R Wo orth
1 1.0
0900 0.9174
4 1.00000 1.0000 1.09000 0.9 174
2 1.1881 0.8417
7 0.47847 2.0900 0.56847 1.75591 0.84 17 0.44785
3 1.2
2950 0.7722
2 0.30505 3.2781 0.39505 2.53313 2.38660 0.99426
4 1.4
4116 0.7084
4 0.21867 4.5731 0.30867 3.23397 4.51 13 1.33925
5 1.5
5386 0.6499
9 0.16709 5.9847 0.25709 3.88897 7.11 10 1.88282
6 1.6
6771 0.5963
3 0.13292 7.5233 0.22292 4.48859 10.09924 2.22498
7 1.8
8280 0.5470
0 0.10869 9.2004 0.19869 5.03330 13.37746 2.66574
8 1.9
9926 0.5019
9 0.09067 11.0285 0.18067 5.53348 16.88877 3.00512
9 2.1719 0.4604
4 0.07680 13.0210 0.16680 5.99952 20.57711 3.44312
10 2.3
3674 0.4224
4 0.06582 15.1929 0.15582 6.4 177 24.37728 3.77978
11 2.5
5804 0.3875
5 0.05695 17.5603 0.14695 6.80052 28.24481 4.1510
12 2.8
8127 0.3555
5 0.04965 20.1407 0.13965 7.16607 32.15590 4.44910
13 3.0
0658 0.3262
2 0.04357 22.9534 0.13357 7.48869 36.07731 4.88182
14 3.3
3417 0.2992
2 0.03843 26.0192 0.12843 7.78862 39.96633 5.1326
15 3.6
6425 0.2745
5 0.03406 29.3609 0.12406 8.06607 43.80069 5.44346
16 3.9
9703 0.2519
9 0.03030 33.0034 0.12030 8.3 126 47.58849 5.77245
17 4.3
3276 0.2311 0.02705 36.9737 0.11705 8.54436 51.28821 6.00024
18 4.7
7171 0.2120
0 0.02421 41.3013 0.11421 8.75556 54.88860 6.22687
19 5.1417 0.1945
5 0.02173 46.0185 0.11173 8.95501 58.38868 6.55236
20 5.6
6044 0.1784
4 0.01955 51.1601 0.10955 9.12285 61.77770 6.77674
21 6.1088 0.1637
7 0.01762 56.7645 0.10762 9.29922 65.05509 7.00006
22 6.6
6586 0.1502
2 0.01590 62.8733 0.10590 9.44424 68.20048 7.22232
23 7.2
2579 0.1378
8 0.01438 69.5319 0.10438 9.58802 71.23359 7.44357
24 7.9
9111 0.1264
4 0.01302 76.7898 0.10302 9.70066 74.14433 7.66384
25 8.6
6231 0.1160
0 0.01181 84.7009 0.10181 9.82226 76.92265 7.88316
26 9.3
3992 0.1064
4 0.01072 93.3240 0.10072 9.92290 79.58863 8.00156
27 10.22451 0.0976
6 0.00973 102.7231 0.09973 10.00266 82.12241 8.1906
28 11.11671 0.0895
5 0.00885 112.9682 0.09885 10.11161 84.54419 8.33571
29 12.11722 0.0822
2 0.00806 124.1354 0.09806 10.11983 86.84422 8.55154
30 13.22677 0.0754
4 0.00734 136.3075 0.09734 10.22737 89.02280 8.66657
31 14.44618 0.0691 0.00669 149.5752 0.09669 10.33428 91.10024 8.88083
32 15.77633 0.0634
4 0.00610 164.0370 0.09610 10.44062 93.06690 8.99436
33 17.11820 0.0582
2 0.00556 179.8003 0.09556 10.44644 94.93314 9.00718
34 18.77284 0.0534
4 0.00508 196.9823 0.09508 10.55178 96.69935 9.1933
35 20.44140 0.0490
0 0.00464 215.7108 0.09464 10.55668 98.35590 9.33083
40 31.44094 0.0318
8 0.00296 337.8824 0.09296 10.77574 105.37762 9.77957
45 48.33273 0.0207
7 0.00190 525.8587 0.09190 10.88812 110.55561 10.1603
50 74.33575 0.0134
4 0.00123 815.0836 0.09123 10.99617 114.32251 10.4295
55 114..4083 0.0087
7 0.00079 1260.09 0.09079 11.00140 117.03362 10.6261
60 176..0313 0.0057
7 0.00051 1944.79 0.09051 11.00480 118.96683 10.7683
65 270..8460 0.0037
7 0.00033 2998.29 0.09033 11.00701 120.33344 10.8702
70 416..7301 0.0024
4 0.00022 4619.22 0.09022 11.00844 121.29942 10.9427
75 641..1909 0.0016
6 0.00014 7113.23 0.09014 11.00938 121.96646 10.9940
80 986..5517 0.0010
0 0.00009 10951 0.09009 11.00998 122.43306 11.0299
85 1517.93 0.0007
7 0.00006 16855 0.09006 11.11038 122.75533 11.0551
90 23335.53 0.0004
4 0.00004 25939 0.09004 11.11064 122.97758 11.0726
95 35993.50 0.0003
3 0.00003 39917 0.09003 11.11080 123.12287 11.0847
96 3916.91 0.0003
3 0.00002 43510 0.09002 11.11083 123.15529 11.0866
98 46553.68 0.0002
2 0.00002 51696 0.09002 11.11087 123.19963 11.0900
100 55229.04 0.0002
2 0.00002 61423 0.09002 11.11091 123.23335 11.0930
Interest F
Factor Tables 402

10%
% T AB L E 15 Discrete Cassh Flow: Comp
pound Interest F
Factors 10%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
nking Compou
s
n Amount Worth Fund
F Amou
unt Recoveryy Worth
1 1.1000 0.9091 1.0
00000 1.0000 1.10000 0.9091
2 1.2100 0.8264 0.4
47619 2.1000 0.57619 1.7355 0.8264 0.4762
3 1.3310 0.7513 0.3
30211 3.3100 0.40211 2.4869 2.3291 0.9366
4 1.4641 0.6830 0.2
21547 4.6410 0.31547 3.1699 4.3781 1.3812
5 1.6105 0.6209 0.1
16380 6.1051 0.26380 3.7908 6.8618 1.8101
6 1.7716 0.5645 0.1
12961 7.7156 0.22961 4.3553 9.6842 2.2236
7 1.9487 0.5132 0.1
10541 9.4872 0.20541 4.8684 12.7631 2.6216
8 2.1436 0.4665 0.0
08744 11.43559 0.18744 5.3349 16.0287 3.0045
9 2.3579 0.4241 0.0
07364 13.57995 0.17364 5.7590 19.4215 3.3724
10 2.5937 0.3855 0.0
06275 15.93774 0.16275 6.1446 22.8913 3.7255
11 2.8531 0.3505 0.0
05396 18.53112 0.15396 6.4951 26.3963 4.0641
12 3.1384 0.3186 0.0
04676 21.38443 0.14676 6.8137 29.9012 4.3884
13 3.4523 0.2897 0.0
04078 24.52227 0.14078 7.1034 33.3772 4.6988
14 3.7975 0.2633 0.0
03575 27.97550 0.13575 7.3667 36.8005 4.9955
15 4.1772 0.2394 0.0
03147 31.77225 0.13147 7.6061 40.1520 5.2789
16 4.5950 0.2176 0.0
02782 35.94997 0.12782 7.8237 43.4164 5.5493
17 5.0545 0.1978 0.0
02466 40.54447 0.12466 8.0216 46.5819 5.8071
18 5.5599 0.1799 0.0
02193 45.59992 0.12193 8.2014 49.6395 6.0526
19 6.1159 0.1635 0.0
01955 51.15991 0.11955 8.3649 52.5827 6.2861
20 6.7275 0.1486 0.0
01746 57.27550 0.11746 8.5136 55.4069 6.5081
21 7.4002 0.1351 0.0
01562 64.00225 0.11562 8.6487 58.1095 6.7189
22 8.1403 0.1228 0.0
01401 71.40227 0.11401 8.7715 60.6893 6.9189
23 8.9543 0.1117 0.0
01257 79.54330 0.11257 8.8832 63.1462 7.1085
24 9.8497 0.1015 0.0
01130 88.49773 0.11130 8.9847 65.4813 7.2881
25 10.8347 0.0923 0.0
01017 98.34771 0.11017 9.0770 67.6964 7.4580
26 11.9182 0.0839 0.0
00916 109.1818 0.10916 9.1609 69.7940 7.6186
27 13.1100 0.0763 0.0
00826 121.0999 0.10826 9.2372 71.7773 7.7704
28 14.4210 0.0693 0.0
00745 134.2099 0.10745 9.3066 73.6495 7.9137
29 15.8631 0.0630 0.0
00673 148.6309 0.10673 9.3696 75.4146 8.0489
30 17.4494 0.0573 0.0
00608 164.4940 0.10608 9.4269 77.0766 8.1762
31 19.1943 0.0521 0.0
00550 181.9434 0.10550 9.4790 78.6395 8.2962
32 21.1138 0.0474 0.0
00497 201.1378 0.10497 9.5264 80.1078 8.4091
33 23.2252 0.0431 0.0
00450 222.2515 0.10450 9.5694 81.4856 8.5152
34 25.5477 0.0391 0.0
00407 245.4767 0.10407 9.6086 82.7773 8.6149
35 28.1024 0.0356 0.0
00369 271.0244 0.10369 9.6442 83.9872 8.7086
40 45.2593 0.0221 0.0
00226 442.5926 0.10226 9.7791 88.9525 9.0962
45 72.8905 0.0137 0.0
00139 718.9048 0.10139 9.8628 92.4544 9.3740
50 117.3909 0.0085 0.0
00086 1163.991 0.10086 9.9148 94.8889 9.5704
55 189.0591 0.0053 0.0
00053 1880.559 0.10053 9.9471 96.5619 9.7075
60 304.4816 0.0033 0.0
00033 3034.882 0.10033 9.9672 97.7010 9.8023
65 490.3707 0.0020 0.0
00020 4893.771 0.10020 9.9796 98.4705 9.8672
70 789.7470 0.0013 0.0
00013 7887.447 0.10013 9.9873 98.9870 9.9113
75 1271.90 0.0008 0.0
00008 127099 0.10008 9.9921 99.3317 9.9410
80 2048.40 0.0005 0.0
00005 204744 0.10005 9.9951 99.5606 9.9609
85 3298.97 0.0003 0.0
00003 329800 0.10003 9.9970 99.7120 9.9742
90 5313.02 0.0002 0.0
00002 531200 0.10002 9.9981 99.8118 9.9831
95 8556.68 0.0001 0.0
00001 855577 0.10001 9.9988 99.8773 9.9889
96 9412.34 0.0001 0.0
00001 941133 0.10001 9.9989 99.8874 9.9898
98 11389 0.0001 0.0
00001 0.10001 9.9991 99.9052 9.9914
100 13781 0.0001 0.0
00001 0.10001 9.9993 99.9202 9.9927

Interest F
Factor Tables 403



Comp
pound Presen
m Series
n Amo
R Wo orth
1 1.1100 0.9009
9 1.00000 1.0000 1.11000 0.90009
2 1.2
2321 0.8116
6 0.47393 2.1100 0.58393 1.7 125 0.81 16 0.44739
3 1.3
3676 0.7312
2 0.29921 3.3421 0.40921 2.44437 2.27440 0.99306
4 1.5
5181 0.6587
7 0.21233 4.7097 0.32233 3.10024 4.25002 1.33700
5 1.6
6851 0.5935
5 0.16057 6.2278 0.27057 3.69959 6.62440 1.77923
6 1.8
8704 0.5346
6 0.12638 7.9129 0.23638 4.23305 9.29772 2.1976
7 2.0
0762 0.4817
7 0.10222 9.7833 0.21222 4.7 122 12.18872 2.55863
8 2.3
3045 0.4339
9 0.08432 11.8594 0.19432 5.14461 15.22246 2.99585
9 2.5
5580 0.3909
9 0.07060 14.1640 0.18060 5.53370 18.35520 3.33144
10 2.8
8394 0.3522
2 0.05980 16.7220 0.16980 5.88892 21.52217 3.66544
11 3.1518 0.3173
3 0.05112 19.5614 0.16112 6.20065 24.69945 3.99788
12 3.4
4985 0.2858
8 0.04403 22.7132 0.15403 6.49924 27.83388 4.22879
13 3.8
8833 0.2575
5 0.03815 26.2116 0.14815 6.74499 30.92290 4.55822
14 4.3
3104 0.2320
0 0.03323 30.0949 0.14323 6.98819 33.94449 4.88619
15 4.7
7846 0.2090
0 0.02907 34.4054 0.13907 7.19909 36.87709 5.1275
16 5.3
3109 0.1883
3 0.02552 39.1899 0.13552 7.37792 39.69953 5.33794
17 5.8
8951 0.1696
6 0.02247 44.5008 0.13247 7.54488 42.40095 5.66180
18 6.5
5436 0.1528
8 0.01984 50.3959 0.12984 7.70016 45.00074 5.88439
19 7.2
2633 0.1377
7 0.01756 56.9395 0.12756 7.83393 47.48856 6.00574
20 8.0
0623 0.1240
0 0.01558 64.2028 0.12558 7.96633 49.84423 6.22590
21 8.9
9492 0.1117
7 0.01384 72.2651 0.12384 8.07751 52.07771 6.44491
22 9.9
9336 0.1007
7 0.01231 81.2143 0.12231 8.17757 54.19912 6.66283
23 11.00263 0.0907
7 0.01097 91.1479 0.12097 8.26664 56.18864 6.77969
24 12.22392 0.0817
7 0.00979 102.1742 0.11979 8.34481 58.06656 6.99555
25 13.55855 0.0736
6 0.00874 114.4133 0.11874 8.42217 59.83322 7.1045
26 15.00799 0.0663
3 0.00781 127.9988 0.11781 8.48881 61.49900 7.22443
27 16.77386 0.0597
7 0.00699 143.0786 0.11699 8.54478 63.04433 7.33754
28 18.55799 0.0538
8 0.00626 159.8173 0.11626 8.60016 64.49965 7.44982
29 20.66237 0.0485
5 0.00561 178.3972 0.11561 8.65501 65.85542 7.66131
30 22.88923 0.0437
7 0.00502 199.0209 0.11502 8.69938 67.12210 7.77206
31 25.44104 0.0394
4 0.00451 221.9132 0.11451 8.73331 68.30016 7.88210
32 28.22056 0.0355
5 0.00404 247.3236 0.11404 8.76686 69.40007 7.99147
33 31.33082 0.0319
9 0.00363 275.5292 0.11363 8.80005 70.42228 8.00021
34 34.77521 0.0288
8 0.00326 306.8374 0.11326 8.82293 71.37724 8.00836
35 38.55749 0.0259
9 0.00293 341.5896 0.11293 8.85552 72.25538 8.1594
40 65.00009 0.0154
4 0.00172 581.8261 0.11172 8.95511 75.77789 8.44659
45 109..5302 0.0091 0.00101 986.6386 0.11101 9.00079 78.15551 8.66763
50 184..5648 0.0054
4 0.00060 1668.77 0.11060 9.04417 79.73341 8.88185
55 311..0025 0.0032
2 0.00035 2818.20 0.11035 9.06617 80.77712 8.99135
60 524..0572 0.0019
9 0.00021 4755.07 0.11021 9.07736 81.44461 8.99762
65 883..0669 0.0011 0.00012 8018.79 0.11012 9.08806 81.88819 9.00172
70 14888.02 0.0007
7 0.00007 13518 0.11007 9.08848 82.16614 9.00438
75 25007.40 0.0004
4 0.00004 22785 0.11004 9.08873 82.33397 9.00610
80 42225.11 0.0002
2 0.00003 38401 0.11003 9.08888 82.45529 9.00720
85 7119.56 0.0001 0.00002 64714 0.11002 9.08896 82.52245 9.00790
Interest F
Factor Tables 404

12%
pound Interest F
Factors 12%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
nking Compou
s
n Amount Worth Fund
1 1.1200 0.8929 1.0
00000 1.0000 1.12000 0.8929
2 1.2544 0.7972 0.4
47170 2.1200 0.59170 1.6901 0.7972 0.4717
3 1.4049 0.7118 0.2
29635 3.3744 0.41635 2.4018 2.2208 0.9246
4 1.5735 0.6355 0.2
20923 4.7793 0.32923 3.0373 4.1273 1.3589
5 1.7623 0.5674 0.1
15741 6.3528 0.27741 3.6048 6.3970 1.7746
6 1.9738 0.5066 0.1
12323 8.1152 0.24323 4.1114 8.9302 2.1720
7 2.2107 0.4523 0.0
09912 10.08990 0.21912 4.5638 11.6443 2.5512
8 2.4760 0.4039 0.0
08130 12.29997 0.20130 4.9676 14.4714 2.9131
9 2.7731 0.3606 0.0
06768 14.77557 0.18768 5.3282 17.3563 3.2574
10 3.1058 0.3220 0.0
05698 17.54887 0.17698 5.6502 20.2541 3.5847
11 3.4785 0.2875 0.0
04842 20.65446 0.16842 5.9377 23.1288 3.8953
12 3.8960 0.2567 0.0
04144 24.13331 0.16144 6.1944 25.9523 4.1897
13 4.3635 0.2292 0.0
03568 28.02991 0.15568 6.4235 28.7024 4.4683
14 4.8871 0.2046 0.0
03087 32.39226 0.15087 6.6282 31.3624 4.7317
15 5.4736 0.1827 0.0
02682 37.27997 0.14682 6.8109 33.9202 4.9803
16 6.1304 0.1631 0.0
02339 42.75333 0.14339 6.9740 36.3670 5.2147
17 6.8660 0.1456 0.0
02046 48.88337 0.14046 7.1196 38.6973 5.4353
18 7.6900 0.1300 0.0
01794 55.74997 0.13794 7.2497 40.9080 5.6427
19 8.6128 0.1161 0.0
01576 63.43997 0.13576 7.3658 42.9979 5.8375
20 9.6463 0.1037 0.0
01388 72.05224 0.13388 7.4694 44.9676 6.0202
21 10.8038 0.0926 0.0
01224 81.69887 0.13224 7.5620 46.8188 6.1913
22 12.1003 0.0826 0.0
01081 92.50226 0.13081 7.6446 48.5543 6.3514
23 13.5523 0.0738 0.0
00956 104.6029 0.12956 7.7184 50.1776 6.5010
24 15.1786 0.0659 0.0
00846 118.1552 0.12846 7.7843 51.6929 6.6406
25 17.0001 0.0588 0.0
00750 133.3339 0.12750 7.8431 53.1046 6.7708
26 19.0401 0.0525 0.0
00665 150.3339 0.12665 7.8957 54.4177 6.8921
27 21.3249 0.0469 0.0
00590 169.3740 0.12590 7.9426 55.6369 7.0049
28 23.8839 0.0419 0.0
00524 190.6989 0.12524 7.9844 56.7674 7.1098
29 26.7499 0.0374 0.0
00466 214.5828 0.12466 8.0218 57.8141 7.2071
30 29.9599 0.0334 0.0
00414 241.3327 0.12414 8.0552 58.7821 7.2974
31 33.5551 0.0298 0.0
00369 271.2926 0.12369 8.0850 59.6761 7.3811
32 37.5817 0.0266 0.0
00328 304.8477 0.12328 8.1116 60.5010 7.4586
33 42.0915 0.0238 0.0
00292 342.4294 0.12292 8.1354 61.2612 7.5302
34 47.1425 0.0212 0.0
00260 384.5210 0.12260 8.1566 61.9612 7.5965
35 52.7996 0.0189 0.0
00232 431.6635 0.12232 8.1755 62.6052 7.6577
40 93.0510 0.0107 0.0
00130 767.0914 0.12130 8.2438 65.1159 7.8988
45 163.9876 0.0061 0.0074 1358.223 0.12074 8.2825 66.7342 8.0572
50 289.0022 0.0035 0.0
00042 2400.002 0.12042 8.3045 67.7624 8.1597
55 509.3206 0.0020 0.0
00024 4236.001 0.12024 8.3170 68.4082 8.2251
60 897.5969 0.0011 0.0
00013 7471.664 0.12013 8.3240 68.8100 8.2664
65 1581.87 0.0006 0.0
00008 131744 0.12008 8.3281 69.0581 8.2922
70 2787.80 0.0004 0.0
00004 232233 0.12004 8.3303 69.2103 8.3082
75 4913.06 0.0002 0.0
00002 409344 0.12002 8.3316 69.3031 8.3181
80 8658.48 0.0001 0.0
00001 721466 0.12001 8.3324 69.3594 8.3241
85 15259 0.0001 0.0
00001 0.12001 8.3328 69.3935 8.3278

Interest F
Factor Tables 405


P A

Comp
pound Presen
R Wo orth
1 1.1
1400 0.8772
2 1.00000 1.0000 1.14000 0.87772
2 1.2
2996 0.7695
5 0.46729 2.1400 0.60729 1.64467 0.76995 0.44673
3 1.4
4815 0.6750
0 0.29073 3.4396 0.43073 2.32216 2.11994 0.99129
4 1.6
6890 0.5921
1 0.20320 4.9211 0.34320 2.9 137 3.89557 1.33370
5 1.9
9254 0.5194
4 0.15128 6.6101 0.29128 3.43331 5.97331 1.77399
6 2.1
1950 0.4556
6 0.11716 8.5355 0.25716 3.88887 8.25 11 2.1218
7 2.5
5023 0.3996
6 0.09319 10.7305 0.23319 4.28883 10.64489 2.44832
8 2.8
8526 0.3506
6 0.07557 13.2328 0.21557 4.63389 13.10028 2.8246
9 3.2
2519 0.3075
5 0.06217 16.0853 0.20217 4.94464 15.56629 3.1463
10 3.7
7072 0.2697
7 0.05171 19.3373 0.19171 5.2 161 17.99906 3.44490
11 4.2
2262 0.2366
6 0.04339 23.0445 0.18339 5.45527 20.35567 3.77333
12 4.8
8179 0.2076
6 0.03667 27.2707 0.17667 5.66603 22.63399 3.99998
13 5.4
4924 0.1821
1 0.03116 32.0887 0.17116 5.84424 24.82247 4.22491
14 6.2
2613 0.1597
7 0.02661 37.5811 0.16661 6.00021 26.90009 4.44819
15 7.1
1379 0.1401
1 0.02281 43.8424 0.16281 6.14422 28.86623 4.66990
16 8.1
1372 0.1229
9 0.01962 50.9804 0.15962 6.26651 30.70057 4.99011
17 9.2
2765 0.1078
8 0.01692 59.1176 0.15692 6.37729 32.43305 5.00888
18 10.55752 0.0946
6 0.01462 68.3941 0.15462 6.46674 34.03380 5.22630
19 12.00557 0.0829
9 0.01266 78.9692 0.15266 6.55504 35.53311 5.44243
20 13.77435 0.0728
8 0.01099 91.0249 0.15099 6.62231 36.91135 5.55734
21 15.66676 0.0638
8 0.00954 104.7684 0.14954 6.68870 38.19901 5.77111
22 17.88610 0.0560
0 0.00830 120.4360 0.14830 6.74429 39.36658 5.8381
23 20.33616 0.0491
1 0.00723 138.2970 0.14723 6.79921 40.44463 5.99549
24 23.22122 0.0431
1 0.00630 158.6586 0.14630 6.83351 41.43371 6.00624
25 26.44619 0.0378
8 0.00550 181.8708 0.14550 6.87729 42.34441 6.1610
26 30.1666 0.0331
1 0.00480 208.3327 0.14480 6.90061 43.17728 6.22514
27 34.33899 0.0291
1 0.00419 238.4993 0.14419 6.93352 43.92289 6.33342
28 39.22045 0.0255
5 0.00366 272.8892 0.14366 6.96607 44.61176 6.44100
29 44.66931 0.0224
4 0.00320 312.0937 0.14320 6.98830 45.24441 6.44791
30 50.99502 0.0196
6 0.00280 356.7868 0.14280 7.00027 45.81132 6.55423
31 58.00832 0.0172
2 0.00245 407.7370 0.14245 7.0 199 46.32297 6.55998
32 66.22148 0.0151
1 0.00215 465.8202 0.14215 7.03350 46.79979 6.66522
33 75.44849 0.0132
2 0.00188 532.0350 0.14188 7.04482 47.22218 6.66998
34 86.00528 0.0116
6 0.00165 607.5199 0.14165 7.05599 47.60053 6.77431
35 98.1002 0.0102
2 0.00144 693.5727 0.14144 7.07700 47.95519 6.77824
40 188..8835 0.0053
3 0.00075 1342.03 0.14075 7.10050 49.23376 6.99300
45 363..6791 0.0027
7 0.00039 2590.56 0.14039 7.12232 49.99963 7.00188
50 700..2330 0.0014
4 0.00020 4994.52 0.14020 7.13327 50.43375 7.00714
55 13448.24 0.0007
7 0.00010 9623.13 0.14010 7.13376 50.69912 7.1020
60 25995.92 0.0004
4 0.00005 18535 0.14005 7.14401 50.83357 7.1197
65 49998.22 0.0002
2 0.00003 35694 0.14003 7.14414 50.91173 7.1298
70 96223.64 0.0001
1 0.00001 68733 0.14001 7.14421 50.96632 7.1356
75 18530 0.0001
1 0.00001 0.14001 7.14425 50.98887 7.1388
80 35677 0.14000 7.14427 51.00030 7.1406
85 68693 0.14000 7.14428 51.01108 7.1416

Interest F
Factor Tables 406

15%
pound Interest F
Factors 15%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
nking Compou
s
n Amount Worth Fund
1 1.1500 0.8696 1.0
00000 1.0000 1.15000 0.8696
2 1.3225 0.7561 0.4
46512 2.1500 0.61512 1.6257 0.7561 0.4651
3 1.5209 0.6575 0.2
28798 3.4725 0.43798 2.2832 2.0712 0.9071
4 1.7490 0.5718 0.2
20027 4.9934 0.35027 2.8550 3.7864 1.3263
5 2.0114 0.4972 0.1
14832 6.7424 0.29832 3.3522 5.7751 1.7228
6 2.3131 0.4323 0.1
11424 8.7537 0.26424 3.7845 7.9368 2.0972
7 2.6600 0.3759 0.0
09036 11.06668 0.24036 4.1604 10.1924 2.4498
8 3.0590 0.3269 0.0
07285 13.72668 0.22285 4.4873 12.4807 2.7813
9 3.5179 0.2843 0.0
05957 16.78558 0.20957 4.7716 14.7548 3.0922
10 4.0456 0.2472 0.0
04925 20.30337 0.19925 5.0188 16.9795 3.3832
11 4.6524 0.2149 0.0
04107 24.34993 0.19107 5.2337 19.1289 3.6549
12 5.3503 0.1869 0.0
03448 29.00117 0.18448 5.4206 21.1849 3.9082
13 6.1528 0.1625 0.0
02911 34.35119 0.17911 5.5831 23.1352 4.1438
14 7.0757 0.1413 0.0
02469 40.50447 0.17469 5.7245 24.9725 4.3624
15 8.1371 0.1229 0.0
02102 47.58004 0.17102 5.8474 26.6930 4.5650
16 9.3576 0.1069 0.0
01795 55.71775 0.16795 5.9542 28.2960 4.7522
17 10.7613 0.0929 0.0
01537 65.07551 0.16537 6.0472 29.7828 4.9251
18 12.3755 0.0808 0.0
01319 75.83664 0.16319 6.1280 31.1565 5.0843
19 14.2318 0.0703 0.0
01134 88.21118 0.16134 6.1982 32.4213 5.2307
20 16.3665 0.0611 0.0
00976 102.4436 0.15976 6.2593 33.5822 5.3651
21 18.8215 0.0531 0.0
00842 118.8101 0.15842 6.3125 34.6448 5.4883
22 21.6447 0.0462 0.0
00727 137.6316 0.15727 6.3587 35.6150 5.6010
23 24.8915 0.0402 0.0
00628 159.2764 0.15628 6.3988 36.4988 5.7040
24 28.6252 0.0349 0.0
00543 184.1678 0.15543 6.4338 37.3023 5.7979
25 32.9190 0.0304 0.0
00470 212.7930 0.15470 6.4641 38.0314 5.8834
26 37.8568 0.0264 0.0
00407 245.7120 0.15407 6.4906 38.6918 5.9612
27 43.5353 0.0230 0.0
00353 283.5688 0.15353 6.5135 39.2890 6.0319
28 50.0656 0.0200 0.0
00306 327.1041 0.15306 6.5335 39.8283 6.0960
29 57.5755 0.0174 0.0
00265 377.1697 0.15265 6.5509 40.3146 6.1541
30 66.2118 0.0151 0.0
00230 434.7451 0.15230 6.5660 40.7526 6.2066
31 76.1435 0.0131 0.0
00200 500.9569 0.15200 6.5791 41.1466 6.2541
32 87.5651 0.0114 0.0
00173 577.1005 0.15173 6.5905 41.5006 6.2970
33 100.6998 0.0099 0.0
00150 664.6655 0.15150 6.6005 41.8184 6.3357
34 115.8048 0.0086 0.0
00131 765.3654 0.15131 6.6091 42.1033 6.3705
35 133.1755 0.0075 0.0
00113 881.1702 0.15113 6.6166 42.3586 6.4019
40 267.8635 0.0037 0.0
00056 1779.009 0.15056 6.6418 43.2830 6.5168
45 538.7693 0.0019 0.0
00028 3585.113 0.15028 6.6543 43.8051 6.5830
50 1083.66 0.0009 0.0
00014 7217.772 0.15014 6.6605 44.0958 6.6205
55 2179.62 0.0005 0.0
00007 145244 0.15007 6.6636 44.2558 6.6414
60 4384.00 0.0002 0.0
00003 292200 0.15003 6.6651 44.3431 6.6530
65 8817.79 0.0001 0.0
00002 587799 0.15002 6.6659 44.3903 6.6593
70 17736 0.0001 0.0
00001 0.15001 6.6663 44.4156 6.6627
75 35673 0.15000 6.6665 44.4292 6.6646
80 71751 0.15000 6.6666 44.4364 6.6656
85 0.15000 6.6666 44.4402 6.6661

Interest F
Factor Tables 407



Comp
pound Presen
m Series
n Amo
R Wo orth
1 1.1600 0.8621 1.00000 1.0000 1.16000 0.86621
2 1.3
3456 0.7432
2 0.46296 2.1600 0.62296 1.60052 0.74332 0.44630
3 1.5
5609 0.6407
7 0.28526 3.5056 0.44526 2.24459 2.02445 0.99014
4 1.8
8106 0.5523
3 0.19738 5.0665 0.35738 2.79982 3.68 14 1.33156
5 2.1003 0.4761 0.14541 6.8771 0.30541 3.27743 5.58558 1.77060
6 2.4
4364 0.4104
4 0.11139 8.9775 0.27139 3.68847 7.63880 2.00729
7 2.8
8262 0.3538
8 0.08761 11.4139 0.24761 4.03386 9.76 10 2.44169
8 3.2
2784 0.3050
0 0.07022 14.2401 0.23022 4.34436 11.89962 2.77388
9 3.8
8030 0.2630
0 0.05708 17.5185 0.21708 4.60065 13.99998 3.00391
10 4.4
4114 0.2267
7 0.04690 21.3215 0.20690 4.83332 16.03399 3.33187
11 5.1173 0.1954
4 0.03886 25.7329 0.19886 5.02286 17.99941 3.55783
12 5.9
9360 0.1685
5 0.03241 30.8502 0.19241 5.19971 19.84472 3.88189
13 6.8
8858 0.1452
2 0.02718 36.7862 0.18718 5.34423 21.58899 4.00413
14 7.9
9875 0.1252
2 0.02290 43.6720 0.18290 5.46675 23.21175 4.22464
15 9.2
2655 0.1079
9 0.01936 51.6595 0.17936 5.57755 24.72284 4.44352
16 10.77480 0.0930
0 0.01641 60.9250 0.17641 5.66685 26.12241 4.66086
17 12.44677 0.0802
2 0.01395 71.6730 0.17395 5.74487 27.40074 4.77676
18 14.44625 0.0691 0.01188 84.1407 0.17188 5.8 178 28.58828 4.99130
19 16.77765 0.0596
6 0.01014 98.6032 0.17014 5.87775 29.65557 5.00457
20 19.44608 0.0514
4 0.00867 115.3797 0.16867 5.92288 30.63321 5.1666
22 26.11864 0.0382
2 0.00635 157.4150 0.16635 6.0 113 32.32200 5.33765
24 35.22364 0.0284
4 0.00467 213.9776 0.16467 6.07726 33.69970 5.55490
26 47.44141 0.0211 0.00345 290.0883 0.16345 6.1 182 34.81114 5.66898
28 63.88004 0.0157
7 0.00255 392.5028 0.16255 6.15520 35.70073 5.88041
30 85.88499 0.0116
6 0.00189 530.3117 0.16189 6.17772 36.42234 5.88964
32 115..5196 0.0087
7 0.00140 715.7475 0.16140 6.19959 36.99930 5.99706
34 155..4432 0.0064
4 0.00104 965.2698 0.16104 6.20098 37.44441 6.00299
35 180..3141 0.0055
5 0.00089 1120.71 0.16089 6.2 153 37.63327 6.00548
36 209..1643 0.0048
8 0.00077 1301.03 0.16077 6.22201 37.80000 6.00771
38 281..4515 0.0036
6 0.00057 1752.82 0.16057 6.22278 38.07799 6.1145
40 378..7212 0.0026
6 0.00042 2360.76 0.16042 6.23335 38.29992 6.1441
45 795..4438 0.0013
3 0.00020 4965.27 0.16020 6.24421 38.65598 6.1934
50 16770.70 0.0006
6 0.00010 10436 0.16010 6.24463 38.85521 6.22201
55 35009.05 0.0003
3 0.00005 21925 0.16005 6.24482 38.95534 6.22343
60 73770.20 0.0001 0.00002 46058 0.16002 6.24492 39.00063 6.22419
Interest F
Factor Tables 408

18%
pound Interest F
Factors 18%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
nking Compou
s
n Amount Worth Fund
1 1.1800 0.8475 1.0
00000 1.0000 1.18000 0.8475
2 1.3924 0.7182 0.4
45872 2.1800 0.63872 1.5656 0.7182 0.4587
3 1.6430 0.6086 0.2
27992 3.5724 0.45992 2.1743 1.9354 0.8902
4 1.9388 0.5158 0.1
19174 5.2154 0.37174 2.6901 3.4828 1.2947
5 2.2878 0.4371 0.1
13978 7.1542 0.31978 3.1272 5.2312 1.6728
6 2.6996 0.3704 0.1
10591 9.4420 0.28591 3.4976 7.0834 2.0252
7 3.1855 0.3139 0.0
08236 12.141
15 0.26236 3.8115 8.9670 2.3526
8 3.7589 0.2660 0.0
06524 15.327
70 0.24524 4.0776 10.8292 2.6558
9 4.4355 0.2255 0.0
05239 19.085
59 0.23239 4.3030 12.6329 2.9358
10 5.2338 0.1911 0.0
04251 23.521
13 0.22251 4.4941 14.3525 3.1936
11 6.1759 0.1619 0.0
03478 28.755
51 0.21478 4.6560 15.9716 3.4303
12 7.2876 0.1372 0.0
02863 34.931
11 0.20863 4.7932 17.4811 3.6470
13 8.5994 0.1163 0.0
02369 42.218
87 0.20369 4.9095 18.8765 3.8449
14 10.1472 0.0985 0.0
01968 50.818
80 0.19968 5.0081 20.1576 4.0250
15 11.9737 0.0835 0.0
01640 60.965
53 0.19640 5.0916 21.3269 4.1887
16 14.1290 0.0708 0.0
01371 72.939
90 0.19371 5.1624 22.3885 4.3369
17 16.6722 0.0600 0.0
01149 87.068
80 0.19149 5.2223 23.3482 4.4708
18 19.6733 0.0508 0.0
00964 103.7403 0.18964 5.2732 24.2123 4.5916
19 23.2144 0.0431 0.0
00810 123.4135 0.18810 5.3162 24.9877 4.7003
20 27.3930 0.0365 0.0
00682 146.6280 0.18682 5.3527 25.6813 4.7978
22 38.1421 0.0262 0.0
00485 206.3448 0.18485 5.4099 26.8506 4.9632
24 53.1090 0.0188 0.0
00345 289.4945 0.18345 5.4509 27.7725 5.0950
26 73.9490 0.0135 0.0
00247 405.2721 0.18247 5.4804 28.4935 5.1991
28 102.9666 0.0097 0.0
00177 566.4809 0.18177 5.5016 29.0537 5.2810
30 143.3706 0.0070 0.0
00126 790.9480 0.18126 5.5168 29.4864 5.3448
32 199.6293 0.0050 0.0
00091 1103.5
50 0.18091 5.5277 29.8191 5.3945
34 277.9638 0.0036 0.0
00065 1538.6
69 0.18065 5.5356 30.0736 5.4328
35 327.9973 0.0030 0.0
00055 1816.6
65 0.18055 5.5386 30.1773 5.4485
36 387.0368 0.0026 0.0
00047 2144.6
65 0.18047 5.5412 30.2677 5.4623
38 538.9100 0.0019 0.0
00033 2988.3
39 0.18033 5.5452 30.4152 5.4849
40 750.3783 0.0013 0.0
00024 4163.2
21 0.18024 5.5482 30.5269 5.5022
45 1716.68 0.0006 0.0
00010 9531.5
58 0.18010 5.5523 30.7006 5.5293
50 3927.36 0.0003 0.0
00005 218133 0.18005 5.5541 30.7856 5.5428
55 8984.84 0.0001 0.0
00002 499100 0.18002 5.5549 30.8268 5.5494
60 20555 11419
90 0.18001 5.5553 30.8465 5.5526

Interest F
Factor Tables 409



Comp
pound Presen
m Series
n Amo
R Wo orth
1 1.2
2000 0.8333
3 1.00000 1.0000 1.20000 0.83333
2 1.4
4400 0.6944
4 0.45455 2.2000 0.65455 1.52278 0.69444 0.44545
3 1.7
7280 0.5787
7 0.27473 3.6400 0.47473 2.10065 1.85 19 0.88791
4 2.0
0736 0.4823
3 0.18629 5.3680 0.38629 2.58887 3.29886 1.22742
5 2.4
4883 0.4019
9 0.13438 7.4416 0.33438 2.99906 4.90661 1.66405
6 2.9
9860 0.3349
9 0.10071 9.9299 0.30071 3.32255 6.58006 1.99788
7 3.5
5832 0.2791 0.07742 12.9159 0.27742 3.60046 8.25551 2.22902
8 4.2
2998 0.2326
6 0.06061 16.4991 0.26061 3.83372 9.88331 2.55756
9 5.1598 0.1938
8 0.04808 20.7989 0.24808 4.03310 11.43335 2.88364
10 6.1917 0.1615
5 0.03852 25.9587 0.23852 4.19925 12.88871 3.00739
11 7.4
4301 0.1346
6 0.03110 32.1504 0.23110 4.32271 14.23330 3.22893
12 8.9
9161 0.1122
2 0.02526 39.5805 0.22526 4.43392 15.46667 3.44841
13 10.66993 0.0935
5 0.02062 48.4966 0.22062 4.53327 16.58883 3.66597
14 12.88392 0.0779
9 0.01689 59.1959 0.21689 4.6 106 17.60008 3.88175
15 15.44070 0.0649
9 0.01388 72.0351 0.21388 4.67755 18.50095 3.99588
16 18.44884 0.0541 0.01144 87.4421 0.21144 4.72296 19.32208 4.00851
17 22.11861 0.0451 0.00944 105.9306 0.20944 4.77746 20.04419 4.1976
18 26.66233 0.0376
6 0.00781 128.1167 0.20781 4.8 122 20.68805 4.22975
19 31.99480 0.0313
3 0.00646 154.7400 0.20646 4.84435 21.24439 4.33861
20 38.33376 0.0261 0.00536 186.6880 0.20536 4.86696 21.73395 4.44643
22 55.22061 0.0181 0.00369 271.0307 0.20369 4.90094 22.55546 4.55941
24 79.44968 0.0126
6 0.00255 392.4842 0.20255 4.93371 23.17760 4.66943
26 114..4755 0.0087
7 0.00176 567.3773 0.20176 4.95563 23.64460 4.77709
28 164..8447 0.0061 0.00122 819.2233 0.20122 4.96697 23.99991 4.88291
30 237..3763 0.0042
2 0.00085 1181.88 0.20085 4.97789 24.26628 4.88731
32 341..8219 0.0029
9 0.00059 1704.11 0.20059 4.98854 24.45588 4.99061
34 492..2235 0.0020
0 0.00041 2456.12 0.20041 4.98898 24.60038 4.99308
35 590..6682 0.0017
7 0.00034 2948.34 0.20034 4.99915 24.66614 4.99406
36 708..8019 0.0014
4 0.00028 3539.01 0.20028 4.99929 24.71108 4.99491
38 10220.67 0.0010
0 0.00020 5098.37 0.20020 4.99951 24.78894 4.99627
40 14669.77 0.0007
7 0.00014 7343.86 0.20014 4.99966 24.84469 4.99728
45 36557.26 0.0003
3 0.00005 18281 0.20005 4.99986 24.93316 4.99877
50 91000.44 0.0001 0.00002 45497 0.20002 4.99995 24.96698 4.99945
55 22645 0.00001 0.20001 4.99998 24.98868 4.99976
Interest F
Factor Tables 410

22%
pound Interest F
Factors 22%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
nking Compou
s
n Amount Worth Fund
1 1.2200 0.8197 1.0
00000 1.0000 1.22000 0.8197
2 1.4884 0.6719 0.4
45045 2.2200 0.67045 1.4915 0.6719 0.4505
3 1.8158 0.5507 0.2
26966 3.7084 0.48966 2.0422 1.7733 0.8683
4 2.2153 0.4514 0.1
18102 5.5242 0.40102 2.4936 3.1275 1.2542
5 2.7027 0.3700 0.1
12921 7.7396 0.34921 2.8636 4.6075 1.6090
6 3.2973 0.3033 0.0
09576 10.442
23 0.31576 3.1669 6.1239 1.9337
7 4.0227 0.2486 0.0
07278 13.739
96 0.29278 3.4155 7.6154 2.2297
8 4.9077 0.2038 0.0
05630 17.762
23 0.27630 3.6193 9.0417 2.4982
9 5.9874 0.1670 0.0
04411 22.670
00 0.26411 3.7863 10.3779 2.7409
10 7.3046 0.1369 0.0
03489 28.657
74 0.25489 3.9232 11.6100 2.9593
11 8.9117 0.1122 0.0
02781 35.962
20 0.24781 4.0354 12.7321 3.1551
12 10.8722 0.0920 0.0
02228 44.873
37 0.24228 4.1274 13.7438 3.3299
13 13.2641 0.0754 0.0
01794 55.745
59 0.23794 4.2028 14.6485 3.4855
14 16.1822 0.0618 0.0
01449 69.010
00 0.23449 4.2646 15.4519 3.6233
15 19.7423 0.0507 0.0
01174 85.192
22 0.23174 4.3152 16.1610 3.7451
16 24.0856 0.0415 0.0
00953 104.9345 0.22953 4.3567 16.7838 3.8524
17 29.3844 0.0340 0.0
00775 129.0201 0.22775 4.3908 17.3283 3.9465
18 35.8490 0.0279 0.0
00631 158.4045 0.22631 4.4187 17.8025 4.0289
19 43.7358 0.0229 0.0
00515 194.2535 0.22515 4.4415 18.2141 4.1009
20 53.3576 0.0187 0.0
00420 237.9893 0.22420 4.4603 18.5702 4.1635
22 79.4175 0.0126 0.0
00281 356.4432 0.22281 4.4882 19.1418 4.2649
24 118.2050 0.0085 0.0
00188 532.7501 0.22188 4.5070 19.5635 4.3407
26 175.9364 0.0057 0.0
00126 795.1653 0.22126 4.5196 19.8720 4.3968
28 261.8637 0.0038 0.0
00084 1185.7
74 0.22084 4.5281 20.0962 4.4381
30 389.7579 0.0026 0.0
00057 1767.0
08 0.22057 4.5338 20.2583 4.4683
32 580.1156 0.0017 0.0
00038 2632.3
34 0.22038 4.5376 20.3748 4.4902
34 863.4441 0.0012 0.0
00026 3920.2
20 0.22026 4.5402 20.4582 4.5060
35 1053.40 0.0009 0.0
00021 4783.6
64 0.22021 4.5411 20.4905 4.5122
36 1285.15 0.0008 0.0
00017 5837.0
05 0.22017 4.5419 20.5178 4.5174
38 1912.82 0.0005 0.0
00012 8690.0
08 0.22012 4.5431 20.5601 4.5256
40 2847.04 0.0004 0.0
00008 129377 0.22008 4.5439 20.5900 4.5314
45 7694.71 0.0001 0.0
00003 349711 0.22003 4.5449 20.6319 4.5396
50 20797 0.0
00001 945255 0.22001 4.5452 20.6492 4.5431
55 56207 0.22000 4.5454 20.6563 4.5445
Interest F
Factor Tables 411


P A

Comp
pound Presen
R Wo orth
1 1.2
2400 0.8065
5 1.00000 1.0000 1.24000 0.80065
2 1.5
5376 0.6504
4 0.44643 2.2400 0.68643 1.45568 0.65004 0.44464
3 1.9
9066 0.5245
5 0.26472 3.7776 0.50472 1.98813 1.69993 0.8577
4 2.3
3642 0.4230
0 0.17593 5.6842 0.41593 2.40043 2.96883 1.22346
5 2.9
9316 0.3411
1 0.12425 8.0484 0.36425 2.74454 4.33227 1.55782
6 3.6
6352 0.2751
1 0.09107 10.9801 0.33107 3.02205 5.70881 1.8898
7 4.5
5077 0.2218
8 0.06842 14.6153 0.30842 3.24423 7.03992 2.1710
8 5.5
5895 0.1789
9 0.05229 19.1229 0.29229 3.42212 8.29 15 2.44236
9 6.9
9310 0.1443
3 0.04047 24.7125 0.28047 3.56655 9.44558 2.66492
10 8.5
5944 0.1164
4 0.03160 31.6434 0.27160 3.68819 10.49930 2.8499
11 10.66571 0.0938
8 0.02485 40.2379 0.26485 3.77757 11.43313 3.00276
12 13.22148 0.0757
7 0.01965 50.8950 0.25965 3.85514 12.26637 3.1843
13 16.33863 0.0610
0 0.01560 64.1097 0.25560 3.9 124 12.99960 3.33218
14 20.33191 0.0492
2 0.01242 80.4961 0.25242 3.96616 13.63358 3.44420
15 25.1956 0.0397
7 0.00992 100.8151 0.24992 4.00013 14.19915 3.55467
16 31.22426 0.0320
0 0.00794 126.0108 0.24794 4.03333 14.67716 3.66376
17 38.77408 0.0258
8 0.00636 157.2534 0.24636 4.05591 15.08846 3.77162
18 48.00386 0.0208
8 0.00510 195.9942 0.24510 4.07799 15.43385 3.77840
19 59.55679 0.0168
8 0.00410 244.0328 0.24410 4.09967 15.74406 3.8423
20 73.88641 0.0135
5 0.00329 303.6006 0.24329 4.1 103 15.99979 3.8922
22 113..5735 0.0088
8 0.00213 469.0563 0.24213 4.13300 16.40011 3.99712
24 174..6306 0.0057
7 0.00138 723.4610 0.24138 4.14428 16.68891 4.00284
26 268..5121 0.0037
7 0.00090 1114.63 0.24090 4.15511 16.89930 4.00695
28 412..8642 0.0024
4 0.00058 1716.10 0.24058 4.15566 17.03365 4.00987
30 634..8199 0.0016
6 0.00038 2640.92 0.24038 4.16601 17.13369 4.1193
32 976..0991 0.0010
0 0.00025 4062.91 0.24025 4.16624 17.20067 4.1338
34 15000.85 0.0007
7 0.00016 6249.38 0.24016 4.16639 17.25552 4.1440
35 18661.05 0.0005
5 0.00013 7750.23 0.24013 4.16664 17.27734 4.1479
36 23007.71 0.0004
4 0.00010 9611.28 0.24010 4.16649 17.28886 4.1511
38 35448.33 0.0003
3 0.00007 14781 0.24007 4.16655 17.31116 4.1560
40 54555.91 0.0002
2 0.00004 22729 0.24004 4.16659 17.32274 4.1593
45 15995 0.0001
1 0.00002 66640 0.24002 4.16664 17.34483 4.1639
50 46890 0.00001 0.24001 4.16666 17.35563 4.1653
55 0.24000 4.16666 17.35593 4.1663
Interest F
Factor Tables 412

25%
pound Interest F
Factors 25%
%

Single Pay
yments Uniform
m Series Payments
s Arithmetic
c Gradients

F/P P/F A/F
A F/A
nking Compou
s
n Amount Worth Fund
1 1.2500 0.8000 1.0
00000 1.0000 1.25000 0.8000
2 1.5625 0.6400 0.4
44444 2.2500 0.69444 1.4400 0.6400 0.4444
3 1.9531 0.5120 0.2
26230 3.8125 0.51230 1.9520 1.6640 0.8525
4 2.4414 0.4096 0.1
17344 5.7656 0.42344 2.3616 2.8928 1.2249
5 3.0518 0.3277 0.1
12185 8.2070 0.37185 2.6893 4.2035 1.5631
6 3.8147 0.2621 0.0
08882 11.258
88 0.33882 2.9514 5.5142 1.8683
7 4.7684 0.2097 0.0
06634 15.073
35 0.31634 3.1611 6.7725 2.1424
8 5.9605 0.1678 0.0
05040 19.841
19 0.30040 3.3289 7.9469 2.3872
9 7.4506 0.1342 0.0
03876 25.802
23 0.28876 3.4631 9.0207 2.6048
10 9.3132 0.1074 0.0
03007 33.252
29 0.28007 3.5705 9.9870 2.7971
11 11.6415 0.0859 0.0
02349 42.566
61 0.27349 3.6564 10.8460 2.9663
12 14.5519 0.0687 0.0
01845 54.207
77 0.26845 3.7251 11.6020 3.1145
13 18.1899 0.0550 0.0
01454 68.759
96 0.26454 3.7801 12.2617 3.2437
14 22.7374 0.0440 0.0
01150 86.949
95 0.26150 3.8241 12.8334 3.3559
15 28.4217 0.0352 0.0
00912 109.6868 0.25912 3.8593 13.3260 3.4530
16 35.5271 0.0281 0.0
00724 138.1085 0.25724 3.8874 13.7482 3.5366
17 44.4089 0.0225 0.0
00576 173.6357 0.25576 3.9099 14.1085 3.6084
18 55.5112 0.0180 0.0
00459 218.0446 0.25459 3.9279 14.4147 3.6698
19 69.3889 0.0144 0.0
00366 273.5558 0.25366 3.9424 14.6741 3.7222
20 86.7362 0.0115 0.0
00292 342.9447 0.25292 3.9539 14.8932 3.7667
22 135.5253 0.0074 0.0
00186 538.1011 0.25186 3.9705 15.2326 3.8365
24 211.7582 0.0047 0.0
00119 843.0329 0.25119 3.9811 15.4711 3.8861
26 330.8722 0.0030 0.0
00076 1319.4
49 0.25076 3.9879 15.6373 3.9212
28 516.9879 0.0019 0.0
00048 2063.9
95 0.25048 3.9923 15.7524 3.9457
30 807.7936 0.0012 0.0
00031 3227.1
17 0.25031 3.9950 15.8316 3.9628
32 1262.18 0.0008 0.0
00020 5044.7
71 0.25020 3.9968 15.8859 3.9746
34 1972.15 0.0005 0.0
00013 7884.6
61 0.25013 3.9980 15.9229 3.9828
35 2465.19 0.0004 0.0
00010 9856.7
76 .025010 3.9984 15.9367 3.9858
36 3081.49 0.0003 0.0
00008 123222 0.25008 3.9987 15.9481 3.9883
38 4814.82 0.0002 0.0
00005 192555 0.25005 3.9992 15.9651 3.9921
40 7523.16 0.0001 0.0
00003 300899 0.25003 3.9995 15.9766 3.9947
45 22959 0.0
00001 918311 0.25001 3.9998 15.9915 3.9980
50 70065 0.25000 3.9999 15.9969 3.9993
55 0.25000 4.0000 15.9989 3.9997
Interest F
Factor Tables 413

30% T AB L E 26 Diiscrete Cash Fllow: Compounnd Interest Facttors 30%

Single Paymentts Uniform Series Payments Arithmetic Grad
dients

F/P P/F
P A/F F/A A/P P/A P/G
G Gradient A
A/G Gradient
Compound
C Prresent Sinking Compound Capital Present Pres
sent Worth Un
niform Series
n Amount Worth
W Fund Amount Recovery Worth
1 1.3000 0..7692 1.00000 1.0000 1.30000 0.7692
2 1.6900 0..5917 0.43478 2.3000 0.73478 1.3609 0.5917 0.4348
3 2.1970 0..4552 0.25063 3.9900 0.55063 1.8161 1.5020 0.8271
4 2.8561 0..3501 0.16163 6.1870 0.46163 2.1662 2.5524 1.1783
5 3.7129 0..2693 0.11058 9.0431 0.41058 2.4356 3.6297 1.4903
6 4.8268 0..2072 0.07839 12.7560 0.37839 2.6427 4.6656 1.7654
7 6.2749 0..1594 0.05687 17.5828 0.35687 2.8021 5.6218 2.0063
8 8.1573 0..1226 0.04192 23.8577 0.34192 2.9247 6.4800 2.2156
9 10.6045 0..0943 0.03124 32.0150 0.33124 3.0190 7.2343 2.3963
10 13.7858 0..0725 0.02346 42.6195 0.32346 3.0915 7.8872 2.5512
11 17.9216 0..0558 0.01773 56.4053 0.31773 3.1473 8.4452 2.6833
12 23.2981 0..0429 0.01345 74.3270 0.31345 3.1903 8.9173 2.7952
13 30.2875 0..0330 0.01024 97.6250 0.31024 3.2233 9.3135 2.8895
14 39.3738 0..0254 0.00782 127.9125 0.30782 3.2487 9.6437 2.9685
15 51.1859 0..0195 0.00598 167.2863 0.30598 3.2682 9.9172 3.0344
16 66.5417 0..0150 0.00458 218.4722 0.30458 3.2832 10.1426 3.0892
17 86.5042 0..0116 0.00351 285.0139 0.30351 3.2948 10.3276 3.1345
18 112.4554 0..0089 0.00269 371.5180 0.30269 3.3037 10.4788 3.1718
19 146.1920 0..0068 0.00207 483.9734 0.30207 3.3105 10.6019 3.2025
20 190.0496 0..0053 0.00159 630.1655 0.30159 3.3158 10.7019 3.2275
22 321.1839 0..0031 0.00094 1067.28 0.30094 3.3230 10.8482 3.2646
24 542.8008 0..0018 0.00055 1806.00 0.30055 3.3272 10.9433 3.2890
25 705.6410 0..0014 0.00043 2348.80 0.30043 3.3286 10.9773 3.2979
26 917.3333 0..0011 0.00033 3054.44 0.30033 3.3297 11.0045 3.3050
28 1550.29 0..0006 0.00019 5164.31 0.30019 3.3312 11.0437 3.3153
30 2620.00 0..0004 0.00011 8729.99 0.30011 3.3321 11.0687 3.3219
32 4427.79 0..0002 0.00007 14756 0.30007 3.3326 11.0845 3.3261
34 7482.97 0..0001 0.00004 24940 0.30004 3.3329 11.0945 3.3288
35 9727.86 0..0001 0.00003 32423 0.30003 3.3330 11.0980 3.3297

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Interest Factor Tables 388

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