Embed Size (px)
DESCRIPTION
Table factors for the present and future value of $1 for up to 15% interest including half precentages.
Citation preview
Present and
Future Value
of $1
Present and Future Value of a 1 Tables
PV FV PV FV PV FV PV FV PV FV PV FV
1 0.9950 1.0050 0.9901 1.0100 0.9852 1.0150 0.9804 1.0200 0.9756 1.0250 0.9709 1.0300
2 0.9901 1.0100 0.9803 1.0201 0.9707 1.0302 0.9612 1.0404 0.9518 1.0506 0.9426 1.0609
3 0.9851 1.0151 0.9706 1.0303 0.9563 1.0457 0.9423 1.0612 0.9286 1.0769 0.9151 1.0927
4 0.9802 1.0202 0.9610 1.0406 0.9422 1.0614 0.9238 1.0824 0.9060 1.1038 0.8885 1.1255
5 0.8219 1.0253 0.9515 1.0510 0.8219 1.0773 0.9057 1.1262 0.8839 1.1597 0.8626 1.1941
6 0.9705 1.0304 0.9420 1.0615 0.9145 1.0934 0.8880 1.1487 0.8623 1.1887 0.8375 1.2299
7 0.9657 1.0355 0.9327 1.0615 0.9010 1.1098 0.8706 1.1717 0.8413 1.2184 0.8131 1.2668
8 0.9609 1.0407 0.9235 1.0829 0.8877 1.1265 0.8535 1.1951 0.8207 1.2489 0.7894 1.3048
9 0.9561 1.0459 0.9143 1.0937 0.8746 1.1434 0.8368 1.2190 0.8007 1.2801 0.7664 1.3439
10 0.9513 1.0511 0.9053 1.1046 0.8617 1.1605 0.8203 1.2434 0.7812 1.3121 0.7441 1.3842
11 0.9466 1.0564 0.8963 1.1157 0.8489 1.1779 0.8043 1.2434 0.7621 1.3121 0.7224 1.3842
12 0.9419 1.0617 0.8874 1.1268 0.8364 1.1956 0.7885 1.2682 0.7436 1.3449 0.7014 1.4258
13 0.9372 1.0670 0.8787 1.1381 0.8240 1.2136 0.7730 1.2936 0.7254 1.3785 0.6810 1.4685
14 0.9326 1.0723 0.8700 1.1495 0.8118 1.9799 0.7579 1.3195 0.7077 1.4130 0.6611 1.5126
15 0.9279 1.0777 0.8613 1.1610 0.7999 1.2502 0.7430 1.3459 0.6905 1.4483 0.6419 1.5580
16 0.9233 1.0831 0.8528 1.1726 0.7880 1.2690 0.7284 1.3728 0.6736 1.4845 0.6232 1.6047
17 0.9187 1.0885 0.8444 1.1843 0.7764 1.2880 0.4024 1.4002 0.4024 1.5216 0.4024 1.6528
18 0.9141 1.0939 0.8360 1.1961 0.7649 1.3073 0.3815 1.4282 0.3815 1.5597 0.3815 1.7024
19 0.9096 1.0994 0.8277 1.2081 0.7536 1.3270 0.3616 1.4568 0.3616 1.5987 0.3616 1.7535
20 0.9051 1.1049 0.8195 1.2202 0.7425 1.3469 0.6730 1.4859 0.6103 1.6386 0.5537 1.8061
21 0.9006 1.1104 0.8114 1.2324 0.7315 1.3671 0.6598 1.5157 0.5954 1.6796 0.5375 1.8603
22 0.8961 1.1160 0.8034 1.2447 0.7207 1.3876 0.6468 1.5460 0.5809 1.7216 0.5219 1.9161
23 0.8916 1.1216 0.7954 1.2572 0.7100 1.4084 0.6342 1.5769 0.5667 1.7646 0.5067 1.9736
24 0.8872 1.1272 0.7876 1.2697 0.6995 1.4295 0.6217 1.6084 0.5529 1.8087 0.4919 2.0328
25 0.8828 1.1328 0.7798 1.2824 0.6892 1.4509 0.6095 1.6406 0.5394 1.8539 0.4776 2.0938
26 0.8784 1.1385 0.7720 1.2953 0.6790 1.4727 0.5976 1.6734 0.5262 1.9003 0.4637 2.1566
27 0.8740 1.1442 0.7644 1.3082 0.6690 1.4948 0.5859 1.7069 0.5134 1.9478 0.4502 2.2213
28 0.8697 1.1499 0.7568 1.3213 0.6591 1.5172 0.5744 1.7410 0.5009 1.9965 0.4371 2.2879
29 0.8653 1.1556 0.7493 1.3345 0.6494 1.5400 0.5631 1.7758 0.4887 2.0464 0.4243 2.3566
30 0.8610 1.1614 0.7419 1.3478 0.6398 1.5631 0.5521 1.8114 0.4767 2.0976 0.4120 2.4273
31 0.8567 1.1672 0.7346 1.3613 0.6303 1.5865 0.5412 1.8476 0.4651 2.1500 0.4000 2.5001
32 0.8525 1.1730 0.7273 1.3749 0.6210 1.6103 0.5306 1.8845 0.4538 2.2038 0.3883 2.5751
33 0.8482 1.1789 0.7201 1.3887 0.6118 1.6345 0.5202 1.9222 0.4427 2.2589 0.3770 2.6523
34 0.8440 1.1848 0.7130 1.4026 0.6028 1.6590 0.5100 1.9607 0.4319 2.3153 0.3660 2.7319
35 0.8398 1.1907 0.7059 1.4166 0.5939 1.6839 0.5000 1.9999 0.4214 2.3732 0.3554 2.8139
36 0.8356 1.1967 0.6989 1.4308 0.5851 1.7091 0.4902 2.0399 0.4111 2.4325 0.3450 2.8983
37 0.8315 1.2027 0.6920 1.4451 0.5764 1.7348 0.4806 2.0807 0.4011 2.4933 0.3350 2.9852
38 0.8274 1.2087 0.6852 1.4595 0.5679 1.7608 0.4712 2.1223 0.3913 2.5557 0.3252 3.0748
39 0.8232 1.2147 0.6784 1.4741 0.5595 1.7872 0.4619 2.1647 0.3817 2.6196 0.3158 3.1670
40 0.8191 1.2208 0.6717 1.4889 0.5513 1.8140 0.4529 2.2080 0.3724 2.6851 0.3066 3.2620
41 0.8151 1.2269 0.6650 1.5188 0.5431 1.8412 0.4440 2.2522 0.3633 2.7522 0.2976 3.3599
42 0.8110 1.2330 0.6584 1.5188 0.5351 1.8969 0.4353 2.2972 0.3545 2.8210 0.2890 3.4607
43 0.8070 1.2392 0.6519 1.5340 0.5272 1.8969 0.4268 2.3432 0.3458 2.8915 0.2805 3.5645
44 0.8030 1.2454 0.6454 1.5493 0.5194 1.9253 0.4184 2.3901 0.3374 2.9638 0.2724 3.6715
45 0.7990 1.2516 0.6391 1.5648 0.5117 1.9542 0.4102 2.4379 0.3292 3.0379 0.2644 3.7816
46 0.7950 1.2579 0.6327 1.5805 0.5042 1.9835 0.4022 2.4866 0.3211 3.1139 0.2567 3.8950
47 0.7910 1.2642 0.6265 1.5963 0.4967 2.0133 0.3943 2.5363 0.3133 3.1917 0.2493 4.0119
48 0.7871 1.2705 0.6203 1.6122 0.4894 2.0435 0.3865 2.5871 0.3057 3.2715 0.2420 4.1323
49 0.7832 1.2768 0.6141 1.6283 0.4821 2.0741 0.3790 2.6388 0.2982 3.3533 0.2350 4.2562
50 0.7793 1.2832 0.6080 1.6446 0.4750 2.1052 0.3715 2.6916 0.2909 3.4371 0.2281 4.3839
Periods
100.50% 101.00% 101.50% 102.00% 102.50% 103.00%
0.5% 1% 1.5% 2.0% 2.5% 3.0%
1
Present and Future Value of a 1 Tables
PV FV PV FV PV FV PV FV PV FV PV FV
1 0.9662 1.0350 0.9615 1.0400 0.9569 1.0450 0.9524 1.0500 0.9479 1.0550 0.9434 1.0600
2 0.9335 1.0712 0.9246 1.0816 0.9157 1.0920 0.9070 1.1025 0.8985 1.1130 0.8900 1.1236
3 0.9019 1.1087 0.8890 1.1249 0.8763 1.1412 0.8638 1.1576 0.8516 1.1742 0.8396 1.1910
4 0.8714 1.1475 0.8548 1.1699 0.8386 1.1925 0.8227 1.2155 0.8072 1.2388 0.7921 1.2625
5 0.8219 1.1877 0.8219 1.2167 0.8219 1.2462 0.7835 1.3401 0.7651 1.3788 0.7473 1.4185
6 0.8135 1.2293 0.7903 1.2653 0.7679 1.3023 0.7462 1.4071 0.7252 1.4547 0.7050 1.5036
7 0.7860 1.2723 0.7599 1.2653 0.7348 1.3609 0.7107 1.4775 0.6874 1.5347 0.6651 1.5938
8 0.7594 1.3168 0.7307 1.3686 0.7032 1.4221 0.6768 1.5513 0.6516 1.6191 0.6274 1.6895
9 0.7337 1.3629 0.7026 1.4233 0.6729 1.4861 0.6446 1.6289 0.6176 1.7081 0.5919 1.7908
10 0.7089 1.4106 0.6756 1.4802 0.6439 1.5530 0.6139 1.7103 0.5854 1.8021 0.5584 1.8983
11 0.6849 1.4600 0.6496 1.5395 0.6162 1.6229 0.5847 1.7103 0.5549 1.8021 0.5268 1.8983
12 0.6618 1.5111 0.6246 1.6010 0.5897 1.6959 0.5568 1.7959 0.5260 1.9012 0.4970 2.0122
13 0.6394 1.5640 0.6006 1.6651 0.5643 1.7722 0.5303 1.8856 0.4986 2.0058 0.4688 2.1329
14 0.6178 1.6187 0.5775 1.7317 0.5400 1.9799 0.5051 1.9799 0.4726 2.1161 0.4423 2.2609
15 0.5969 1.6753 0.5553 1.8009 0.5167 1.9353 0.4810 2.0789 0.4479 2.2325 0.4173 2.3966
16 0.5767 1.7340 0.5339 1.8730 0.4945 2.0224 0.4581 2.1829 0.4246 2.3553 0.3936 2.5404
17 0.5572 1.7947 0.5134 1.9479 0.4732 2.1134 0.4024 2.2920 0.4024 2.4848 0.4024 2.6928
18 0.5384 1.8575 0.4936 2.0258 0.4528 2.2085 0.3815 2.4066 0.3815 2.6215 0.3815 2.8543
19 0.5202 1.9225 0.4746 2.1068 0.4333 2.3079 0.3616 2.5270 0.3616 2.7656 0.3616 3.0256
20 0.5026 1.9898 0.4564 2.1911 0.4146 2.4117 0.3769 2.6533 0.3427 2.9178 0.3118 3.2071
21 0.4856 2.0594 0.4388 2.2788 0.3968 2.5202 0.3589 2.7860 0.3249 3.0782 0.2942 3.3996
22 0.4692 2.1315 0.4220 2.3699 0.3797 2.6337 0.3418 2.9253 0.3079 3.2475 0.2775 3.6035
23 0.4533 2.2061 0.4057 2.4647 0.3634 2.7522 0.3256 3.0715 0.2919 3.4262 0.2618 3.8197
24 0.4380 2.2833 0.3901 2.5633 0.3477 2.8760 0.3101 3.2251 0.2767 3.6146 0.2470 4.0489
25 0.4231 2.3632 0.3751 2.6658 0.3327 3.0054 0.2953 3.3864 0.2622 3.8134 0.2330 4.2919
26 0.4088 2.4460 0.3607 2.7725 0.3184 3.1407 0.2812 3.5557 0.2486 4.0231 0.2198 4.5494
27 0.3950 2.5316 0.3468 2.8834 0.3047 3.2820 0.2678 3.7335 0.2356 4.2444 0.2074 4.8223
28 0.3817 2.6202 0.3335 2.9987 0.2916 3.4297 0.2551 3.9201 0.2233 4.4778 0.1956 5.1117
29 0.3687 2.7119 0.3207 3.1187 0.2790 3.5840 0.2429 4.1161 0.2117 4.7241 0.1846 5.4184
30 0.3563 2.8068 0.3083 3.2434 0.2670 3.7453 0.2314 4.3219 0.2006 4.9840 0.1741 5.7435
31 0.3442 2.9050 0.2965 3.3731 0.2555 3.9139 0.2204 4.5380 0.1902 5.2581 0.1643 6.0881
32 0.3326 3.0067 0.2851 3.5081 0.2445 4.0900 0.2099 4.7649 0.1803 5.5473 0.1550 6.4534
33 0.3213 3.1119 0.2741 3.6484 0.2340 4.2740 0.1999 5.0032 0.1709 5.8524 0.1462 6.8406
34 0.3105 3.2209 0.2636 3.7943 0.2239 4.4664 0.1904 5.2533 0.1620 6.1742 0.1379 7.2510
35 0.3000 3.3336 0.2534 3.9461 0.2143 4.6673 0.1813 5.5160 0.1535 6.5138 0.1301 7.6861
36 0.2898 3.4503 0.2437 4.1039 0.2050 4.8774 0.1727 5.7918 0.1455 6.8721 0.1227 8.1473
37 0.2800 3.5710 0.2343 4.2681 0.1962 5.0969 0.1644 6.0814 0.1379 7.2501 0.1158 8.6361
38 0.2706 3.6960 0.2253 4.4388 0.1878 5.3262 0.1566 6.3855 0.1307 7.6488 0.1092 9.1543
39 0.2614 3.8254 0.2166 4.6164 0.1797 5.5659 0.1491 6.7048 0.1239 8.0695 0.1031 9.7035
40 0.2526 3.9593 0.2083 4.8010 0.1719 5.8164 0.1420 7.0400 0.1175 8.5133 0.0972 10.2857
41 0.2440 4.0978 0.2003 5.1928 0.1645 6.0781 0.1353 7.3920 0.1113 8.9815 0.0917 10.9029
42 0.2358 4.2413 0.1926 5.1928 0.1574 6.6374 0.1288 7.7616 0.1055 9.4755 0.0865 11.5570
43 0.2278 4.3897 0.1852 5.4005 0.1507 6.6374 0.1227 8.1497 0.1000 9.9967 0.0816 12.2505
44 0.2201 4.5433 0.1780 5.6165 0.1442 6.9361 0.1169 8.5572 0.0948 10.5465 0.0770 12.9855
45 0.2127 4.7024 0.1712 5.8412 0.1380 7.2482 0.1113 8.9850 0.0899 11.1266 0.0727 13.7646
46 0.2055 4.8669 0.1646 6.0748 0.1320 7.5744 0.1060 9.4343 0.0852 11.7385 0.0685 14.5905
47 0.1985 5.0373 0.1583 6.3178 0.1263 7.9153 0.1009 9.9060 0.0807 12.3841 0.0647 15.4659
48 0.1918 5.2136 0.1522 6.5705 0.1209 8.2715 0.0961 10.4013 0.0765 13.0653 0.0610 16.3939
49 0.1853 5.3961 0.1463 6.8333 0.1157 8.6437 0.0916 10.9213 0.0725 13.7838 0.0575 17.3775
50 0.1791 5.5849 0.1407 7.1067 0.1107 9.0326 0.0872 11.4674 0.0688 14.5420 0.0543 18.4202
106.00%
3.5% 4.0% 4.5% 5.0%
Periods
5.5% 6.0%
103.50% 104.00% 104.50% 105.00% 105.50%
2
Present and Future Value of a 1 Tables
PV FV PV FV PV FV PV FV PV FV PV FV
1 0.9390 1.0650 0.9346 1.0700 0.9302 1.0750 0.9259 1.0800 0.9217 1.0850 0.9174 1.0900
2 0.8817 1.1342 0.8734 1.1449 0.8653 1.1556 0.8573 1.1664 0.8495 1.1772 0.8417 1.1881
3 0.8278 1.2079 0.8163 1.2250 0.8050 1.2423 0.7938 1.2597 0.7829 1.2773 0.7722 1.2950
4 0.7773 1.2865 0.7629 1.3108 0.7488 1.3355 0.7350 1.3605 0.7216 1.3859 0.7084 1.4116
5 0.8219 1.3701 0.7130 1.4026 0.6966 1.4356 0.6806 1.5869 0.6650 1.6315 0.6499 1.6771
6 0.6853 1.4591 0.6663 1.5007 0.6480 1.5433 0.6302 1.7138 0.6129 1.7701 0.5963 1.8280
7 0.6435 1.5540 0.6227 1.5007 0.6028 1.6590 0.5835 1.8509 0.5649 1.9206 0.5470 1.9926
8 0.6042 1.6550 0.5820 1.7182 0.5607 1.7835 0.5403 1.9990 0.5207 2.0839 0.5019 2.1719
9 0.5674 1.7626 0.5439 1.8385 0.5216 1.9172 0.5002 2.1589 0.4799 2.2610 0.4604 2.3674
10 0.5327 1.8771 0.5083 1.9672 0.4852 2.0610 0.4632 2.3316 0.4423 2.4532 0.4224 2.5804
11 0.5002 1.9992 0.4751 2.1049 0.4513 2.2156 0.4289 2.3316 0.4076 2.4532 0.3875 2.5804
12 0.4697 2.1291 0.4440 2.2522 0.4199 2.3818 0.3971 2.5182 0.3757 2.6617 0.3555 2.8127
13 0.4410 2.2675 0.4150 2.4098 0.3906 2.5604 0.3677 2.7196 0.3463 2.8879 0.3262 3.0658
14 0.4141 2.4149 0.3878 2.5785 0.3633 1.9799 0.3405 2.9372 0.3191 3.1334 0.2992 3.3417
15 0.3888 2.5718 0.3624 2.7590 0.3380 2.9589 0.3152 3.1722 0.2941 3.3997 0.2745 3.6425
16 0.3651 2.7390 0.3387 2.9522 0.3144 3.1808 0.2919 3.4259 0.2711 3.6887 0.2519 3.9703
17 0.3428 2.9170 0.3166 3.1588 0.2925 3.4194 0.4024 3.7000 0.4024 4.0023 0.4024 4.3276
18 0.3219 3.1067 0.2959 3.3799 0.2720 3.6758 0.3815 3.9960 0.3815 4.3425 0.3815 4.7171
19 0.3022 3.3086 0.2765 3.6165 0.2531 3.9515 0.3616 4.3157 0.3616 4.7116 0.3616 5.1417
20 0.2838 3.5236 0.2584 3.8697 0.2354 4.2479 0.2145 4.6610 0.1956 5.1120 0.1784 5.6044
21 0.2665 3.7527 0.2415 4.1406 0.2190 4.5664 0.1987 5.0338 0.1803 5.5466 0.1637 6.1088
22 0.2502 3.9966 0.2257 4.4304 0.2037 4.9089 0.1839 5.4365 0.1662 6.0180 0.1502 6.6586
23 0.2349 4.2564 0.2109 4.7405 0.1895 5.2771 0.1703 5.8715 0.1531 6.5296 0.1378 7.2579
24 0.2206 4.5331 0.1971 5.0724 0.1763 5.6729 0.1577 6.3412 0.1412 7.0846 0.1264 7.9111
25 0.2071 4.8277 0.1842 5.4274 0.1640 6.0983 0.1460 6.8485 0.1301 7.6868 0.1160 8.6231
26 0.1945 5.1415 0.1722 5.8074 0.1525 6.5557 0.1352 7.3964 0.1199 8.3401 0.1064 9.3992
27 0.1826 5.4757 0.1609 6.2139 0.1419 7.0474 0.1252 7.9881 0.1105 9.0490 0.0976 10.2451
28 0.1715 5.8316 0.1504 6.6488 0.1320 7.5759 0.1159 8.6271 0.1019 9.8182 0.0895 11.1671
29 0.1610 6.2107 0.1406 7.1143 0.1228 8.1441 0.1073 9.3173 0.0939 10.6528 0.0822 12.1722
30 0.1512 6.6144 0.1314 7.6123 0.1142 8.7550 0.0994 10.0627 0.0865 11.5583 0.0754 13.2677
31 0.1420 7.0443 0.1228 8.1451 0.1063 9.4116 0.0920 10.8677 0.0797 12.5407 0.0691 14.4618
32 0.1333 7.5022 0.1147 8.7153 0.0988 10.1174 0.0852 11.7371 0.0735 13.6067 0.0634 15.7633
33 0.1252 7.9898 0.1072 9.3253 0.0919 10.8763 0.0789 12.6760 0.0677 14.7632 0.0582 17.1820
34 0.1175 8.5092 0.1002 9.9781 0.0855 11.6920 0.0730 13.6901 0.0624 16.0181 0.0534 18.7284
35 0.1103 9.0623 0.0937 10.6766 0.0796 12.5689 0.0676 14.7853 0.0575 17.3796 0.0490 20.4140
36 0.1036 9.6513 0.0875 11.4239 0.0740 13.5115 0.0626 15.9682 0.0530 18.8569 0.0449 22.2512
37 0.0973 10.2786 0.0818 12.2236 0.0688 14.5249 0.0580 17.2456 0.0489 20.4597 0.0412 24.2538
38 0.0914 10.9467 0.0765 13.0793 0.0640 15.6143 0.0537 18.6253 0.0450 22.1988 0.0378 26.4367
39 0.0858 11.6583 0.0715 13.9948 0.0596 16.7853 0.0497 20.1153 0.0415 24.0857 0.0347 28.8160
40 0.0805 12.4161 0.0668 14.9745 0.0554 18.0442 0.0460 21.7245 0.0383 26.1330 0.0318 31.4094
41 0.0756 13.2231 0.0624 17.1443 0.0516 19.3976 0.0426 23.4625 0.0353 28.3543 0.0292 34.2363
42 0.0710 14.0826 0.0583 17.1443 0.0480 22.4163 0.0395 25.3395 0.0325 30.7644 0.0268 37.3175
43 0.0667 14.9980 0.0545 18.3444 0.0446 22.4163 0.0365 27.3666 0.0300 33.3794 0.0246 40.6761
44 0.0626 15.9729 0.0509 19.6285 0.0415 24.0975 0.0338 29.5560 0.0276 36.2167 0.0226 44.3370
45 0.0588 17.0111 0.0476 21.0025 0.0386 25.9048 0.0313 31.9204 0.0254 39.2951 0.0207 48.3273
46 0.0552 18.1168 0.0445 22.4726 0.0359 27.8477 0.0290 34.4741 0.0235 42.6352 0.0190 52.6767
47 0.0518 19.2944 0.0416 24.0457 0.0334 29.9363 0.0269 37.2320 0.0216 46.2592 0.0174 57.4176
48 0.0487 20.5485 0.0389 25.7289 0.0311 32.1815 0.0249 40.2106 0.0199 50.1912 0.0160 62.5852
49 0.0457 21.8842 0.0363 27.5299 0.0289 34.5951 0.0230 43.4274 0.0184 54.4574 0.0147 68.2179
50 0.0429 23.3067 0.0339 29.4570 0.0269 37.1897 0.0213 46.9016 0.0169 59.0863 0.0134 74.3575
108.50% 109.00%
6..5% 7 7.5%
Periods
106.50% 107.00% 107.50% 108.00%
8.0% 8.5% 9.0%
3
Present and Future Value of a 1 Tables
PV FV PV FV PV FV PV FV PV FV PV FV
1 0.9132 1.0950 0.9091 1.1000 0.9050 1.1050 0.9009 1.1100 0.8969 1.1150 0.8929 1.1200
2 0.8340 1.1990 0.8264 1.2100 0.8190 1.2210 0.8116 1.2321 0.8044 1.2432 0.7972 1.2544
3 0.7617 1.3129 0.7513 1.3310 0.7412 1.3492 0.7312 1.3676 0.7214 1.3862 0.7118 1.4049
4 0.6956 1.4377 0.6830 1.4641 0.6707 1.4909 0.6587 1.5181 0.6470 1.5456 0.6355 1.5735
5 0.8219 1.5742 0.6209 1.6105 0.6070 1.6474 0.5935 1.8704 0.5803 1.9215 0.5674 1.9738
6 0.5801 1.7238 0.5645 1.7716 0.5493 1.8204 0.5346 2.0762 0.5204 2.1425 0.5066 2.2107
7 0.5298 1.8876 0.5132 1.7716 0.4971 2.0116 0.4817 2.3045 0.4667 2.3889 0.4523 2.4760
8 0.4838 2.0669 0.4665 2.1436 0.4499 2.2228 0.4339 2.5580 0.4186 2.6636 0.4039 2.7731
9 0.4418 2.2632 0.4241 2.3579 0.4071 2.4562 0.3909 2.8394 0.3754 2.9699 0.3606 3.1058
10 0.4035 2.4782 0.3855 2.5937 0.3684 2.7141 0.3522 3.1518 0.3367 3.3115 0.3220 3.4785
11 0.3685 2.7137 0.3505 2.8531 0.3334 2.9991 0.3173 3.1518 0.3020 3.3115 0.2875 3.4785
12 0.3365 2.9715 0.3186 3.1384 0.3018 3.3140 0.2858 3.4985 0.2708 3.6923 0.2567 3.8960
13 0.3073 3.2537 0.2897 3.4523 0.2731 3.6619 0.2575 3.8833 0.2429 4.1169 0.2292 4.3635
14 0.2807 3.5629 0.2633 3.7975 0.2471 1.9799 0.2320 4.3104 0.2178 4.5904 0.2046 4.8871
15 0.2563 3.9013 0.2394 4.1772 0.2236 4.4713 0.2090 4.7846 0.1954 5.1183 0.1827 5.4736
16 0.2341 4.2719 0.2176 4.5950 0.2024 4.9408 0.1883 5.3109 0.1752 5.7069 0.1631 6.1304
17 0.2138 4.6778 0.1978 5.0545 0.1832 5.4596 0.4024 5.8951 0.4024 6.3632 0.4024 6.8660
18 0.1952 5.1222 0.1799 5.5599 0.1658 6.0328 0.3815 6.5436 0.3815 7.0949 0.3815 7.6900
19 0.1783 5.6088 0.1635 6.1159 0.1500 6.6663 0.3616 7.2633 0.3616 7.9108 0.3616 8.6128
20 0.1628 6.1416 0.1486 6.7275 0.1358 7.3662 0.1240 8.0623 0.1134 8.8206 0.1037 9.6463
21 0.1487 6.7251 0.1351 7.4002 0.1229 8.1397 0.1117 8.9492 0.1017 9.8350 0.0926 10.8038
22 0.1358 7.3639 0.1228 8.1403 0.1112 8.9944 0.1007 9.9336 0.0912 10.9660 0.0826 12.1003
23 0.1240 8.0635 0.1117 8.9543 0.1006 9.9388 0.0907 11.0263 0.0818 12.2271 0.0738 13.5523
24 0.1133 8.8296 0.1015 9.8497 0.0911 10.9823 0.0817 12.2392 0.0734 13.6332 0.0659 15.1786
25 0.1034 9.6684 0.0923 10.8347 0.0824 12.1355 0.0736 13.5855 0.0658 15.2010 0.0588 17.0001
26 0.0945 10.5869 0.0839 11.9182 0.0746 13.4097 0.0663 15.0799 0.0590 16.9491 0.0525 19.0401
27 0.0863 11.5926 0.0763 13.1100 0.0675 14.8177 0.0597 16.7386 0.0529 18.8982 0.0469 21.3249
28 0.0788 12.6939 0.0693 14.4210 0.0611 16.3736 0.0538 18.5799 0.0475 21.0715 0.0419 23.8839
29 0.0719 13.8998 0.0630 15.8631 0.0553 18.0928 0.0485 20.6237 0.0426 23.4948 0.0374 26.7499
30 0.0657 15.2203 0.0573 17.4494 0.0500 19.9926 0.0437 22.8923 0.0382 26.1967 0.0334 29.9599
31 0.0600 16.6662 0.0521 19.1943 0.0453 22.0918 0.0394 25.4104 0.0342 29.2093 0.0298 33.5551
32 0.0548 18.2495 0.0474 21.1138 0.0410 24.4114 0.0355 28.2056 0.0307 32.5683 0.0266 37.5817
33 0.0500 19.9832 0.0431 23.2252 0.0371 26.9746 0.0319 31.3082 0.0275 36.3137 0.0238 42.0915
34 0.0457 21.8816 0.0391 25.5477 0.0335 29.8069 0.0288 34.7521 0.0247 40.4898 0.0212 47.1425
35 0.0417 23.9604 0.0356 28.1024 0.0304 32.9367 0.0259 38.5749 0.0222 45.1461 0.0189 52.7996
36 0.0381 26.2366 0.0323 30.9127 0.0275 36.3950 0.0234 42.8181 0.0199 50.3379 0.0169 59.1356
37 0.0348 28.7291 0.0294 34.0039 0.0249 40.2165 0.0210 47.5281 0.0178 56.1268 0.0151 66.2318
38 0.0318 31.4584 0.0267 37.4043 0.0225 44.4392 0.0190 52.7562 0.0160 62.5814 0.0135 74.1797
39 0.0290 34.4469 0.0243 41.1448 0.0204 49.1054 0.0171 58.5593 0.0143 69.7782 0.0120 83.0812
40 0.0265 37.7194 0.0221 45.2593 0.0184 54.2614 0.0154 65.0009 0.0129 77.8027 0.0107 93.0510
41 0.0242 41.3027 0.0201 54.7637 0.0167 59.9589 0.0139 72.1510 0.0115 86.7500 0.0096 104.2171
42 0.0221 45.2265 0.0183 54.7637 0.0151 73.2113 0.0125 80.0876 0.0103 96.7263 0.0086 116.7231
43 0.0202 49.5230 0.0166 60.2401 0.0137 73.2113 0.0112 88.8972 0.0093 107.8498 0.0076 130.7299
44 0.0184 54.2277 0.0151 66.2641 0.0124 80.8985 0.0101 98.6759 0.0083 120.2525 0.0068 146.4175
45 0.0168 59.3793 0.0137 72.8905 0.0112 89.3928 0.0091 109.5302 0.0075 134.0816 0.0061 163.9876
46 0.0154 65.0204 0.0125 80.1795 0.0101 98.7790 0.0082 121.5786 0.0067 149.5009 0.0054 183.6661
47 0.0140 71.1973 0.0113 88.1975 0.0092 109.1508 0.0074 134.9522 0.0060 166.6935 0.0049 205.7061
48 0.0128 77.9611 0.0103 97.0172 0.0083 120.6117 0.0067 149.7970 0.0054 185.8633 0.0043 230.3908
49 0.0117 85.3674 0.0094 106.7190 0.0075 133.2759 0.0060 166.2746 0.0048 207.2376 0.0039 258.0377
50 0.0107 93.4773 0.0085 117.3909 0.0068 147.2699 0.0054 184.5648 0.0043 231.0699 0.0035 289.0022
9.5% 10% 10.5% 11.00%
Periods
11.5% 12.0%
109.50% 110.00% 110.50% 111.00% 111.50% 112.00%
4
Present and Future Value of a 1 Tables
PV FV PV FV PV FV PV FV PV FV PV FV
1 0.8889 1.1250 0.8850 1.1300 0.8811 1.1350 0.8772 1.1400 0.8734 1.1450 0.8696 1.1500
2 0.7901 1.2656 0.7831 1.2769 0.7763 1.2882 0.7695 1.2996 0.7628 1.3110 0.7561 1.3225
3 0.7023 1.4238 0.6931 1.4429 0.6839 1.4621 0.6750 1.4815 0.6662 1.5011 0.6575 1.5209
4 0.6243 1.6018 0.6133 1.6305 0.6026 1.6595 0.5921 1.6890 0.5818 1.7188 0.5718 1.7490
5 0.8219 1.8020 0.5428 1.8424 0.5309 1.8836 0.5194 2.1950 0.5081 2.2534 0.4972 2.3131
6 0.4933 2.0273 0.4803 2.0820 0.4678 2.1378 0.4556 2.5023 0.4438 2.5801 0.4323 2.6600
7 0.4385 2.2807 0.4251 2.0820 0.4121 2.4264 0.3996 2.8526 0.3876 2.9542 0.3759 3.0590
8 0.3897 2.5658 0.3762 2.6584 0.3631 2.7540 0.3506 3.2519 0.3385 3.3826 0.3269 3.5179
9 0.3464 2.8865 0.3329 3.0040 0.3199 3.1258 0.3075 3.7072 0.2956 3.8731 0.2843 4.0456
10 0.3079 3.2473 0.2946 3.3946 0.2819 3.5478 0.2697 4.2262 0.2582 4.4347 0.2472 4.6524
11 0.2737 3.6532 0.2607 3.8359 0.2483 4.0267 0.2366 4.2262 0.2255 4.4347 0.2149 4.6524
12 0.2433 4.1099 0.2307 4.3345 0.2188 4.5704 0.2076 4.8179 0.1969 5.0777 0.1869 5.3503
13 0.2163 4.6236 0.2042 4.8980 0.1928 5.1874 0.1821 5.4924 0.1720 5.8140 0.1625 6.1528
14 0.1922 5.2016 0.1807 5.5348 0.1698 1.9799 0.1597 6.2613 0.1502 6.6570 0.1413 7.0757
15 0.1709 5.8518 0.1599 6.2543 0.1496 6.6825 0.1401 7.1379 0.1312 7.6222 0.1229 8.1371
16 0.1519 6.5833 0.1415 7.0673 0.1318 7.5846 0.1229 8.1372 0.1146 8.7275 0.1069 9.3576
17 0.1350 7.4062 0.1252 7.9861 0.1162 8.6085 0.4024 9.2765 0.4024 9.9929 0.4024 10.7613
18 0.1200 8.3319 0.1108 9.0243 0.1023 9.7707 0.3815 10.5752 0.3815 11.4419 0.3815 12.3755
19 0.1067 9.3734 0.0981 10.1974 0.0902 11.0897 0.3616 12.0557 0.3616 13.1010 0.3616 14.2318
20 0.0948 10.5451 0.0868 11.5231 0.0794 12.5869 0.0728 13.7435 0.0667 15.0006 0.0611 16.3665
21 0.0843 11.8632 0.0768 13.0211 0.0700 14.2861 0.0638 15.6676 0.0582 17.1757 0.0531 18.8215
22 0.0749 13.3461 0.0680 14.7138 0.0617 16.2147 0.0560 17.8610 0.0508 19.6662 0.0462 21.6447
23 0.0666 15.0144 0.0601 16.6266 0.0543 18.4037 0.0491 20.3616 0.0444 22.5178 0.0402 24.8915
24 0.0592 16.8912 0.0532 18.7881 0.0479 20.8882 0.0431 23.2122 0.0388 25.7829 0.0349 28.6252
25 0.0526 19.0026 0.0471 21.2305 0.0422 23.7081 0.0378 26.4619 0.0339 29.5214 0.0304 32.9190
26 0.0468 21.3779 0.0417 23.9905 0.0372 26.9087 0.0331 30.1666 0.0296 33.8020 0.0264 37.8568
27 0.0416 24.0502 0.0369 27.1093 0.0327 30.5414 0.0291 34.3899 0.0258 38.7033 0.0230 43.5353
28 0.0370 27.0564 0.0326 30.6335 0.0288 34.6644 0.0255 39.2045 0.0226 44.3153 0.0200 50.0656
29 0.0329 30.4385 0.0289 34.6158 0.0254 39.3441 0.0224 44.6931 0.0197 50.7410 0.0174 57.5755
30 0.0292 34.2433 0.0256 39.1159 0.0224 44.6556 0.0196 50.9502 0.0172 58.0985 0.0151 66.2118
31 0.0260 38.5237 0.0226 44.2010 0.0197 50.6841 0.0172 58.0832 0.0150 66.5227 0.0131 76.1435
32 0.0231 43.3392 0.0200 49.9471 0.0174 57.5264 0.0151 66.2148 0.0131 76.1685 0.0114 87.5651
33 0.0205 48.7566 0.0177 56.4402 0.0153 65.2925 0.0132 75.4849 0.0115 87.2130 0.0099 100.6998
34 0.0182 54.8512 0.0157 63.7774 0.0135 74.1070 0.0116 86.0528 0.0100 99.8588 0.0086 115.8048
35 0.0162 61.7075 0.0139 72.0685 0.0119 84.1115 0.0102 98.1002 0.0087 114.3384 0.0075 133.1755
36 0.0144 69.4210 0.0123 81.4374 0.0105 95.4665 0.0089 111.8342 0.0076 130.9174 0.0065 153.1519
37 0.0128 78.0986 0.0109 92.0243 0.0092 108.3545 0.0078 127.4910 0.0067 149.9005 0.0057 176.1246
38 0.0114 87.8609 0.0096 103.9874 0.0081 122.9823 0.0069 145.3397 0.0058 171.6360 0.0049 202.5433
39 0.0101 98.8436 0.0085 117.5058 0.0072 139.5850 0.0060 165.6873 0.0051 196.5233 0.0043 232.9248
40 0.0090 111.1990 0.0075 132.7816 0.0063 158.4289 0.0053 188.8835 0.0044 225.0191 0.0037 267.8635
41 0.0080 125.0989 0.0067 169.5488 0.0056 179.8168 0.0046 215.3272 0.0039 257.6469 0.0032 308.0431
42 0.0071 140.7362 0.0059 169.5488 0.0049 231.6445 0.0041 245.4730 0.0034 295.0057 0.0028 354.2495
43 0.0063 158.3283 0.0052 191.5901 0.0043 231.6445 0.0036 279.8392 0.0030 337.7816 0.0025 407.3870
44 0.0056 178.1193 0.0046 216.4968 0.0038 262.9165 0.0031 319.0167 0.0026 386.7599 0.0021 468.4950
45 0.0050 200.3842 0.0041 244.6414 0.0034 298.4103 0.0027 363.6791 0.0023 442.8401 0.0019 538.7693
46 0.0044 225.4322 0.0036 276.4448 0.0030 338.6957 0.0024 414.5941 0.0020 507.0519 0.0016 619.5847
47 0.0039 253.6113 0.0032 312.3826 0.0026 384.4196 0.0021 472.6373 0.0017 580.5744 0.0014 712.5224
48 0.0035 285.3127 0.0028 352.9923 0.0023 436.3162 0.0019 538.8065 0.0015 664.7577 0.0012 819.4007
49 0.0031 320.9768 0.0025 398.8813 0.0020 495.2189 0.0016 614.2395 0.0013 761.1475 0.0011 942.3108
50 0.0028 361.0989 0.0022 450.7359 0.0018 562.0735 0.0014 700.2330 0.0011 871.5139 0.0009 1083.6574
12.5% 13% 13.5%
Periods
14.0% 14.5% 15.0%
112.50% 113.00% 113.50% 114.00% 114.50% 115.00%
5
