1

APPENDIX A
PV/FV TABLES

PRESENT VALUE OF ORDINARY ANNUITY

1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 12% 14% 16% 18% 20%

1 0.990 0.980 0.971 0.962 0.952 0.943 0.935 0.926 0.917 0.909 0.893 0.877 0.862 0.847 0.833 1
2 1.970 1.942 1.913 1.886 1.859 1.833 1.808 1.783 1.759 1.736 1.690 1.647 1.605 1.566 1.528 2
3 2.941 2.884 2.829 2.775 2.723 2.673 2.624 2.577 2.531 2.487 2.402 2.322 2.246 2.174 2.106 3
4 3.902 3.808 3.717 3.630 3.546 3.465 3.387 3.312 3.240 3.170 3.037 2.914 2.798 2.690 2.589 4
5 4.853 4.713 4.580 4.452 4.329 4.212 4.100 3.993 3.890 3.791 3.605 3.433 3.274 3.127 2.991 5
6 5.795 5.601 5.417 5.242 5.076 4.917 4.767 4.623 4.486 4.355 4.111 3.889 3.685 3.498 3.326 6
7 6.728 6.472 6.230 6.002 5.786 5.582 5.389 5.206 5.033 4.868 4.564 4.288 4.039 3.812 3.605 7
8 7.652 7.325 7.020 6.733 6.463 6.210 5.971 5.747 5.535 5.335 4.968 4.639 4.344 4.078 3.837 8
9 8.566 8.162 7.786 7.435 7.108 6.802 6.515 6.247 5.995 5.759 5.328 4.946 4.607 4.303 4.031 9
10 9.471 8.983 8.530 8.111 7.722 7.360 7.024 6.710 6.418 6.145 5.650 5.216 4.833 4.494 4.192 10
11 10.368 9.787 9.253 8.760 8.306 7.887 7.499 7.139 6.805 6.495 5.938 5.453 5.029 4.656 4.327 11
12 11.255 10.575 9.954 9.385 8.863 8.384 7.943 7.536 7.161 6.814 6.194 5.660 5.197 4.793 4.439 12
13 12.134 11.348 10.635 9.986 9.394 8.853 8.358 7.904 7.487 7.103 6.424 5.842 5.342 4.910 4.533 13
14 13.004 12.106 11.296 10.563 9.899 9.295 8.745 8.244 7.786 7.367 6.628 6.002 5.468 5.008 4.611 14
15 13.865 12.849 11.938 11.118 10.380 9.712 9.108 8.559 8.061 7.606 6.811 6.142 5.575 5.092 4.675 15
16 14.718 13.578 12.561 11.652 10.838 10.106 9.447 8.851 8.313 7.824 6.974 6.265 5.668 5.162 4.730 16
18 16.398 14.992 13.754 12.659 11.690 10.828 10.059 9.372 8.756 8.201 7.250 6.467 5.818 5.273 4.812 18
20 18.046 16.351 14.877 13.590 12.462 11.470 10.594 9.818 9.129 8.514 7.469 6.623 5.929 5.353 4.870 20
22 19.660 17.658 15.937 14.451 13.163 12.042 11.061 10.201 9.442 8.772 7.645 6.743 6.011 5.410 4.909 22
24 21.243 18.914 16.936 15.247 13.799 12.550 11.469 10.529 9.707 8.985 7.784 6.835 6.073 5.451 4.937 24
26 22.795 20.121 17.877 15.983 14.375 13.003 11.826 10.810 9.929 9.161 7.896 6.906 6.118 5.480 4.956 26
28 24.316 21.281 18.764 16.663 14.898 13.406 12.137 11.051 10.116 9.307 7.984 6.961 6.152 5.502 4.970 28
30 25.808 22.396 19.600 17.292 15.372 13.765 12.409 11.258 10.274 9.427 8.055 7.003 6.177 5.517 4.979 30
32 27.270 23.468 20.389 17.874 15.803 14.084 12.647 11.435 10.406 9.526 8.112 7.035 6.196 5.528 4.985 32
34 28.703 24.499 21.132 18.411 16.193 14.368 12.854 11.587 10.518 9.609 8.157 7.060 6.210 5.536 4.990 34
36 30.108 25.489 21.832 18.908 16.547 14.621 13.035 11.717 10.612 9.677 8.192 7.079 6.220 5.541 4.993 36
38 31.485 26.441 22.492 19.368 16.868 14.846 13.193 11.829 10.691 9.733 8.221 7.094 6.228 5.545 4.995 38
40 32.835 27.355 23.115 19.793 17.159 15.046 13.332 11.925 10.757 9.779 8.244 7.105 6.233 5.548 4.997 40

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2 Appendix A: PV/FV Tables

PRESENT VALUE OF $1

1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 12% 14% 16% 18% 20%

1 0.990 0.980 0.971 0.962 0.952 0.943 0.935 0.926 0.917 0.909 0.893 0.877 0.862 0.847 0.833 1
2 0.980 0.961 0.943 0.925 0.907 0.890 0.873 0.857 0.842 0.826 0.797 0.769 0.743 0.718 0.694 2
3 0.971 0.942 0.915 0.889 0.864 0.840 0.816 0.794 0.772 0.751 0.712 0.675 0.641 0.609 0.579 3
4 0.961 0.924 0.888 0.855 0.823 0.792 0.763 0.735 0.708 0.683 0.636 0.592 0.552 0.516 0.482 4
5 0.951 0.906 0.863 0.822 0.784 0.747 0.713 0.681 0.650 0.621 0.567 0.519 0.476 0.437 0.402 5
6 0.942 0.888 0.837 0.790 0.746 0.705 0.666 0.630 0.596 0.564 0.507 0.456 0.410 0.370 0.335 6
7 0.933 0.871 0.813 0.760 0.711 0.665 0.623 0.583 0.547 0.513 0.452 0.400 0.354 0.314 0.279 7
8 0.923 0.853 0.789 0.731 0.677 0.627 0.582 0.540 0.502 0.467 0.404 0.351 0.305 0.266 0.233 8
9 0.914 0.837 0.766 0.703 0.645 0.592 0.544 0.500 0.460 0.424 0.361 0.308 0.263 0.225 0.194 9
10 0.905 0.820 0.744 0.676 0.614 0.558 0.508 0.463 0.422 0.386 0.322 0.270 0.227 0.191 0.162 10
11 0.896 0.804 0.722 0.650 0.585 0.527 0.475 0.429 0.388 0.350 0.287 0.237 0.195 0.162 0.135 11
12 0.887 0.788 0.701 0.625 0.557 0.497 0.444 0.397 0.356 0.319 0.257 0.208 0.168 0.137 0.112 12
13 0.879 0.773 0.681 0.601 0.530 0.469 0.415 0.368 0.326 0.290 0.229 0.182 0.145 0.116 0.093 13
14 0.870 0.758 0.661 0.577 0.505 0.442 0.388 0.340 0.299 0.263 0.205 0.160 0.125 0.099 0.078 14
15 0.861 0.743 0.642 0.555 0.481 0.417 0.362 0.315 0.275 0.239 0.183 0.140 0.108 0.084 0.065 15
16 0.853 0.728 0.623 0.534 0.458 0.394 0.339 0.292 0.252 0.218 0.163 0.123 0.093 0.071 0.054 16
18 0.836 0.700 0.587 0.494 0.416 0.350 0.296 0.250 0.212 0.180 0.130 0.095 0.069 0.051 0.038 18
20 0.820 0.673 0.554 0.456 0.377 0.312 0.258 0.215 0.178 0.149 0.104 0.073 0.051 0.037 0.026 20
22 0.803 0.647 0.522 0.422 0.342 0.278 0.226 0.184 0.150 0.123 0.083 0.056 0.038 0.026 0.018 22
24 0.788 0.622 0.492 0.390 0.310 0.247 0.197 0.158 0.126 0.102 0.066 0.043 0.028 0.019 0.013 24
26 0.772 0.598 0.464 0.361 0.281 0.220 0.172 0.135 0.106 0.084 0.053 0.033 0.021 0.014 0.009 26
28 0.757 0.574 0.437 0.333 0.255 0.196 0.150 0.116 0.090 0.069 0.042 0.026 0.016 0.010 0.006 28
30 0.742 0.552 0.412 0.308 0.231 0.174 0.131 0.099 0.075 0.057 0.033 0.020 0.012 0.007 0.004 30
32 0.727 0.531 0.388 0.285 0.210 0.155 0.115 0.085 0.063 0.047 0.027 0.015 0.009 0.005 0.003 32
34 0.713 0.510 0.366 0.264 0.190 0.138 0.100 0.073 0.053 0.039 0.021 0.012 0.006 0.004 0.002 34
36 0.699 0.490 0.345 0.244 0.173 0.123 0.088 0.063 0.045 0.032 0.017 0.009 0.005 0.003 0.001 36
38 0.685 0.471 0.325 0.225 0.157 0.109 0.076 0.054 0.038 0.027 0.013 0.007 0.004 0.002 0.001 38
40 0.672 0.453 0.307 0.208 0.142 0.097 0.067 0.046 0.032 0.022 0.011 0.005 0.003 0.001 0.001 40

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 Appendix A: PV/FV Tables 3

FUTURE VALUE OF ORDINARY ANNUITY

1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 12% 14% 16% 18% 20%

1 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1
2 2.010 2.020 2.030 2.040 2.050 2.060 2.070 2.080 2.090 2.100 2.120 2.140 2.160 2.180 2.200 2
3 3.030 3.060 3.091 3.122 3.153 3.184 3.215 3.246 3.278 3.310 3.374 3.440 3.506 3.572 3.640 3
4 4.060 4.122 4.184 4.246 4.310 4.375 4.440 4.506 4.573 4.641 4.779 4.921 5.066 5.215 5.368 4
5 5.101 5.204 5.309 5.416 5.526 5.637 5.751 5.867 5.985 6.105 6.353 6.610 6.877 7.154 7.442 5
6 6.152 6.308 6.468 6.633 6.802 6.975 7.153 7.336 7.523 7.716 8.115 8.536 8.977 9.442 9.930 6
7 7.214 7.434 7.662 7.898 8.142 8.394 8.654 8.923 9.200 9.487 10.089 10.730 11.414 12.142 12.916 7
8 8.286 8.583 8.892 9.214 9.549 9.897 10.260 10.637 11.028 11.436 12.300 13.233 14.240 15.327 16.499 8
9 9.369 9.755 10.159 10.583 11.027 11.491 11.978 12.488 13.021 13.579 14.776 16.085 17.519 19.086 20.799 9
10 10.462 10.950 11.464 12.006 12.578 13.181 13.816 14.487 15.193 15.937 17.549 19.337 21.321 23.521 25.959 10
11 11.567 12.169 12.808 13.486 14.207 14.972 15.784 16.645 17.560 18.531 20.655 23.045 25.733 28.755 32.150 11
12 12.683 13.412 14.192 15.026 15.917 16.870 17.888 18.977 20.141 21.384 24.133 27.271 30.850 34.931 39.581 12
13 13.809 14.680 15.618 16.627 17.713 18.882 20.141 21.495 22.953 24.523 28.029 32.089 36.786 42.219 48.497 13
14 14.947 15.974 17.086 18.292 19.599 21.015 22.550 24.215 26.019 27.975 32.393 37.581 43.672 50.818 59.196 14
15 16.097 17.293 18.599 20.024 21.579 23.276 25.129 27.152 29.361 31.772 37.280 43.842 51.660 60.965 72.035 15
16 17.258 18.639 20.157 21.825 23.657 25.673 27.888 30.324 33.003 35.950 42.753 50.980 60.925 72.939 87.442 16
18 19.615 21.412 23.414 25.645 28.132 30.906 33.999 37.450 41.301 45.599 55.750 68.394 84.141 103.740 128.117 18
20 22.019 24.297 26.870 29.778 33.066 36.786 40.995 45.762 51.160 57.275 72.052 91.025 115.380 146.628 186.688 20
22 24.472 27.299 30.537 34.248 38.505 43.392 49.006 55.457 62.873 71.403 92.503 120.436 157.415 206.345 271.031 22
24 26.973 30.422 34.426 39.083 44.502 50.816 58.177 66.765 76.790 88.497 118.155 158.659 213.978 289.494 392.484 24
26 29.526 33.671 38.553 44.312 51.113 59.156 68.676 79.954 93.324 109.182 150.334 208.333 290.088 405.272 567.377 26
28 32.129 37.051 42.931 49.968 58.403 68.528 80.698 95.339 112.968 134.210 190.699 272.889 392.503 566.481 819.223 28
30 34.785 40.568 47.575 56.085 66.439 79.058 94.461 113.283 136.308 164.494 241.333 356.787 530.312 790.948 1181.882 30
32 37.494 44.227 52.503 62.701 75.299 90.890 110.218 134.214 164.037 201.138 304.848 465.820 715.747 1103.496 1704.109 32
34 40.258 48.034 57.730 69.858 85.067 104.184 128.259 158.627 196.982 245.477 384.521 607.520 965.270 1538.688 2456.118 34
36 43.077 51.994 63.276 77.598 95.836 119.121 148.913 187.102 236.125 299.127 484.463 791.673 1301.027 2144.649 3539.009 36
38 45.953 56.115 69.159 85.970 107.710 135.904 172.561 220.316 282.630 364.043 609.831 1030.998 1752.822 2988.389 5098.373 38
40 48.886 60.402 75.401 95.026 120.800 154.762 199.635 259.057 337.882 442.593 767.091 1342.025 2360.757 4163.213 7343.858 40

FUTURE VALUE OF $1

1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 12% 14% 16% 18% 20%

1 1.010 1.020 1.030 1.040 1.050 1.060 1.070 1.080 1.090 1.100 1.120 1.140 1.160 1.180 1.200 1
2 1.020 1.040 1.061 1.082 1.103 1.124 1.145 1.166 1.188 1.210 1.254 1.300 1.346 1.392 1.440 2
3 1.030 1.061 1.093 1.125 1.158 1.191 1.225 1.260 1.295 1.331 1.405 1.482 1.561 1.643 1.728 3
4 1.041 1.082 1.126 1.170 1.216 1.262 1.311 1.360 1.412 1.464 1.574 1.689 1.811 1.939 2.074 4
5 1.051 1.104 1.159 1.217 1.276 1.338 1.403 1.469 1.539 1.611 1.762 1.925 2.100 2.288 2.488 5
6 1.062 1.126 1.194 1.265 1.340 1.419 1.501 1.587 1.677 1.772 1.974 2.195 2.436 2.700 2.986 6
7 1.072 1.149 1.230 1.316 1.407 1.504 1.606 1.714 1.828 1.949 2.211 2.502 2.826 3.185 3.583 7
8 1.083 1.172 1.267 1.369 1.477 1.594 1.718 1.851 1.993 2.144 2.476 2.853 3.278 3.759 4.300 8
9 1.094 1.195 1.305 1.423 1.551 1.689 1.838 1.999 2.172 2.358 2.773 3.252 3.803 4.435 5.160 9
10 1.105 1.219 1.344 1.480 1.629 1.791 1.967 2.159 2.367 2.594 3.106 3.707 4.411 5.234 6.192 10
11 1.116 1.243 1.384 1.539 1.710 1.898 2.105 2.332 2.580 2.853 3.479 4.226 5.117 6.176 7.430 11
12 1.127 1.268 1.426 1.601 1.796 2.012 2.252 2.518 2.813 3.138 3.896 4.818 5.936 7.288 8.916 12
13 1.138 1.294 1.469 1.665 1.886 2.133 2.410 2.720 3.066 3.452 4.363 5.492 6.886 8.599 10.699 13
14 1.149 1.319 1.513 1.732 1.980 2.261 2.579 2.937 3.342 3.797 4.887 6.261 7.988 10.147 12.839 14
15 1.161 1.346 1.558 1.801 2.079 2.397 2.759 3.172 3.642 4.177 5.474 7.138 9.266 11.974 15.407 15
16 1.173 1.373 1.605 1.873 2.183 2.540 2.952 3.426 3.970 4.595 6.130 8.137 10.748 14.129 18.488 16
18 1.196 1.428 1.702 2.026 2.407 2.854 3.380 3.996 4.717 5.560 7.690 10.575 14.463 19.673 26.623 18
20 1.220 1.486 1.806 2.191 2.653 3.207 3.870 4.661 5.604 6.727 9.646 13.743 19.461 27.393 38.338 20
22 1.245 1.546 1.916 2.370 2.925 3.604 4.430 5.437 6.659 8.140 12.100 17.861 26.186 38.142 55.206 22
24 1.270 1.608 2.033 2.563 3.225 4.049 5.072 6.341 7.911 9.850 15.179 23.212 35.236 53.109 79.497 24
26 1.295 1.673 2.157 2.772 3.556 4.549 5.807 7.396 9.399 11.918 19.040 30.167 47.414 73.949 114.475 26
28 1.321 1.741 2.288 2.999 3.920 5.112 6.649 8.627 11.167 14.421 23.884 39.204 63.800 102.967 164.845 28
30 1.348 1.811 2.427 3.243 4.322 5.743 7.612 10.063 13.268 17.449 29.960 50.950 85.850 143.371 237.376 30
32 1.375 1.885 2.575 3.508 4.765 6.453 8.715 11.737 15.763 21.114 37.582 66.215 115.520 199.629 341.822 32
34 1.403 1.961 2.732 3.794 5.253 7.251 9.978 13.690 18.728 25.548 47.143 86.053 155.443 277.964 492.224 34
36 1.431 2.040 2.898 4.104 5.792 8.147 11.424 15.968 22.251 30.913 59.136 111.834 209.164 387.037 708.802 36
38 1.460 2.122 3.075 4.439 6.385 9.154 13.079 18.625 26.437 37.404 74.180 145.340 281.452 538.910 1020.675 38
40 1.489 2.208 3.262 4.801 7.040 10.286 14.974 21.725 31.409 45.259 93.051 188.884 378.721 750.378 1469.772 40
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