Compound Interest Tables .edu

[Pages:10]newn42040_appB.qxd 1/5/04 10:52 AM Page 559

APPENDIX B

Compound Interest Tables

Values of Interest Factors When N Equals Infinity

Single Payment: (FP, i, ) = (PF, i, ) = 0

Arithmetic Gradient Series: (AG, i, ) = 1i (PG, i, ) = 1i2

Uniform Payment Series: (AF, i, ) = 0 (AP, i, ) = i (FA, i, ) = (PA, i, ) = 1i

559

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560 COMPOUND INTEREST TABLES

1/4%

n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

Single Payment

Compound Amount Factor

Find F Given P

F/P

Present Worth Factor

Find P Given F

P/F

1.003 1.005 1.008 1.010 1.013

1.015 1.018 1.020 1.023 1.025

1.028 1.030 1.033 1.036 1.038

1.041 1.043 1.046 1.049 1.051

1.054 1.056 1.059 1.062 1.064

1.067 1.070 1.072 1.075 1.078

1.094 1.105 1.127 1.133 1.139

1.162 1.191 1.197 1.221 1.233

1.252 1.271 1.284 1.297 1.349

1.821 2.457 3.315

.9975 .9950 .9925 .9901 .9876

.9851 .9827 .9802 .9778 .9753

.9729 .9705 .9681 .9656 .9632

.9608 .9584 .9561 .9537 .9513

.9489 .9465 .9442 .9418 .9395

.9371 .9348 .9325 .9301 .9278

.9140 .9049 .8871 .8826 .8782

.8609 .8396 .8355 .8189 .8108

.7987 .7869 .7790 .7713 .7411

.5492 .4070 .3016

Sinking Fund Factor

Find A Given F

A/F

1.0000 .4994 .3325 .2491 .1990

.1656 .1418 .1239 .1100 .0989

.0898 .0822 .0758 .0703 .0655

.0613 .0577 .0544 .0515 .0488

.0464 .0443 .0423 .0405 .0388

.0373 .0358 .0345 .0333 .0321

.0266 .0238 .0196 .0188 .0180

.0155 .0131 .0127 .0113 .0107

.00992 .00923 .00881 .00843 .00716

.00305 .00172 .00108

Compound Interest Factors

Uniform Payment Series

Capital Recovery

Factor

Find A Given P

A/P

Compound Amount Factor

Find F Given A

F/A

1.0025 .5019 .3350 .2516 .2015

.1681 .1443 .1264 .1125 .1014

.0923 .0847 .0783 .0728 .0680

.0638 .0602 .0569 .0540 .0513

.0489 .0468 .0448 .0430 .0413

.0398 .0383 .0370 .0358 .0346

.0291 .0263 .0221 .0213 .0205

.0180 .0156 .0152 .0138 .0132

.0124 .0117 .0113 .0109 .00966

.00555 .00422 .00358

1.000 2.003 3.008 4.015 5.025

6.038 7.053 8.070 9.091 10.113

11.139 12.167 13.197 14.230 15.266

16.304 17.344 18.388 19.434 20.482

21.534 22.587 23.644 24.703 25.765

26.829 27.896 28.966 30.038 31.114

37.621 42.014 50.932 53.189 55.458

64.647 76.395 78.780 88.440 93.343

100.789 108.349 113.451 118.605 139.743

328.306 582.745 926.074

Present Worth Factor

Find P Given A

P/A

0.998 1.993 2.985 3.975 4.963

5.948 6.931 7.911 8.889 9.864

10.837 11.807 12.775 13.741 14.704

15.665 16.624 17.580 18.533 19.485

20.434 21.380 22.324 23.266 24.206

25.143 26.078 27.010 27.940 28.868

34.387 38.020 45.179 46.947 48.705

55.653 64.144 65.817 72.427 75.682

80.504 85.255 88.383 91.480 103.563

180.312 237.191 279.343

Arithmetic Gradient

Gradient Uniform

Series

Find A Given G

A/G

Gradient Present Worth

Find P Given G

P/G

0 0.504 1.005 1.501 1.998

2.498 2.995 3.490 3.987 4.483

4.978 5.474 5.968 6.464 6.957

7.451 7.944 8.437 8.929 9.421

9.912 10.404 10.894 11.384 11.874

12.363 12.852 13.341 13.828 14.317

17.234 19.171 23.025 23.984 24.941

28.755 33.485 34.426 38.173 40.037

42.820 45.588 47.425 49.256 56.512

107.590 152.894 192.673

0 1.005 2.999 5.966 9.916

14.861 20.755 27.611 35.440 44.216

53.950 64.634 76.244 88.826 102.301

116.716 132.063 148.319 165.492 183.559

202.531 222.435 243.212 264.854 287.407

310.848 335.150 360.343 386.366 413.302

592.632 728.882 1 040.22 1 125.96 1 214.76

1 600.31 2 147.87 2 265.81 2 764.74 3 030.06

3 447.19 3 886.62 4 191.60 4 505.93 5 852.52

19 399.75 36 264.96 53 821.93

1/4%

n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

newn42040_appB.qxd 1/5/04 10:52 AM Page 561

1/2%

n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

Single Payment

Compound Amount Factor

Find F Given P

F/P

Present Worth Factor

Find P Given F

P/F

1.005 1.010 1.015 1.020 1.025

1.030 1.036 1.041 1.046 1.051

1.056 1.062 1.067 1.072 1.078

1.083 1.088 1.094 1.099 1.105

1.110 1.116 1.122 1.127 1.133

1.138 1.144 1.150 1.156 1.161

1.197 1.221 1.270 1.283 1.296

1.349 1.418 1.432 1.490 1.520

1.567 1.614 1.647 1.680 1.819

3.310 6.023 10.957

.9950 .9901 .9851 .9802 .9754

.9705 .9657 .9609 .9561 .9513

.9466 .9419 .9372 .9326 .9279

.9233 .9187 .9141 .9096 .9051

.9006 .8961 .8916 .8872 .8828

.8784 .8740 .8697 .8653 .8610

.8356 .8191 .7871 .7793 .7716

.7414 .7053 .6983 .6710 .6577

.6383 .6195 .6073 .5953 .5496

.3021 .1660 .0913

COMPOUND INTEREST TABLES 561

Sinking Fund Factor

Find A Given F

A/F

1.0000 .4988 .3317 .2481 .1980

.1646 .1407 .1228 .1089 .0978

.0887 .0811 .0746 .0691 .0644

.0602 .0565 .0532 .0503 .0477

.0453 .0431 .0411 .0393 .0377

.0361 .0347 .0334 .0321 .0310

.0254 .0226 .0185 .0177 .0169

.0143 .0120 .0116 .0102 .00961

.00883 .00814 .00773 .00735 .00610

.00216 .00100 .00050

Compound Interest Factors

Uniform Payment Series

Capital Recovery

Factor

Find A Given P

A/P

Compound Amount Factor

Find F Given A

F/A

1.0050 .5038 .3367 .2531 .2030

.1696 .1457 .1278 .1139 .1028

.0937 .0861 .0796 .0741 .0694

.0652 .0615 .0582 .0553 .0527

.0503 .0481 .0461 .0443 .0427

.0411 .0397 .0384 .0371 .0360

.0304 .0276 .0235 .0227 .0219

.0193 .0170 .0166 .0152 .0146

.0138 .0131 .0127 .0124 .0111

.00716 .00600 .00550

1.000 2.005 3.015 4.030 5.050

6.076 7.106 8.141 9.182 10.228

11.279 12.336 13.397 14.464 15.537

16.614 17.697 18.786 19.880 20.979

22.084 23.194 24.310 25.432 26.559

27.692 28.830 29.975 31.124 32.280

39.336 44.159 54.098 56.645 59.218

69.770 83.566 86.409 98.068 104.074

113.311 122.829 129.334 135.970 163.880

462.041 1 004.5 1 991.5

Present Worth Factor

Find P Given A

P/A

0.995 1.985 2.970 3.951 4.926

5.896 6.862 7.823 8.779 9.730

10.677 11.619 12.556 13.489 14.417

15.340 16.259 17.173 18.082 18.987

19.888 20.784 21.676 22.563 23.446

24.324 25.198 26.068 26.933 27.794

32.871 36.172 42.580 44.143 45.690

51.726 58.939 60.340 65.802 68.453

72.331 76.095 78.543 80.942 90.074

139.581 166.792 181.748

Arithmetic Gradient

Gradient Uniform

Series

Find A Given G

A/G

Gradient Present Worth

Find P Given G

P/G

0 0.499 0.996 1.494 1.990

2.486 2.980 3.474 3.967 4.459

4.950 5.441 5.931 6.419 6.907

7.394 7.880 8.366 8.850 9.334

9.817 10.300 10.781 11.261 11.741

12.220 12.698 13.175 13.651 14.127

16.962 18.836 22.544 23.463 24.378

28.007 32.468 33.351 36.848 38.576

41.145 43.685 45.361 47.025 53.551

96.113 128.324 151.795

0 0.991 2.959 5.903 9.803

14.660 20.448 27.178 34.825 43.389

52.855 63.218 74.465 86.590 99.574

113.427 128.125 143.668 160.037 177.237

195.245 214.070 233.680 254.088 275.273

297.233 319.955 343.439 367.672 392.640

557.564 681.341 959.928 1 035.70 1 113.82

1 448.65 1 913.65 2 012.35 2 424.65 2 640.67

2 976.08 3 324.19 3 562.80 3 806.29 4 823.52

13 415.56 21 403.32 27 588.37

1/2%

n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

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562 COMPOUND INTEREST TABLES

3/4%

n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

Single Payment

Compound Amount Factor

Find F Given P

F/P

Present Worth Factor

Find P Given F

P/F

1.008 1.015 1.023 1.030 1.038

1.046 1.054 1.062 1.070 1.078

1.086 1.094 1.102 1.110 1.119

1.127 1.135 1.144 1.153 1.161

1.170 1.179 1.188 1.196 1.205

1.214 1.224 1.233 1.242 1.251

1.309 1.348 1.431 1.453 1.475

1.566 1.687 1.713 1.818 1.873

1.959 2.049 2.111 2.175 2.451

6.009 14.731 36.111

.9926 .9852 .9778 .9706 .9633

.9562 .9490 .9420 .9350 .9280

.9211 .9142 .9074 .9007 .8940

.8873 .8807 .8742 .8676 .8612

.8548 .8484 .8421 .8358 .8296

.8234 .8173 .8112 .8052 .7992

.7641 .7416 .6986 .6882 .6780

.6387 .5927 .5839 .5500 .5338

.5104 .4881 .4737 .4597 .4079

.1664 .0679 .0277

Sinking Fund Factor

Find A Given F

A/F

1.0000 .4981 .3308 .2472 .1970

.1636 .1397 .1218 .1078 .0967

.0876 .0800 .0735 .0680 .0632

.0591 .0554 .0521 .0492 .0465

.0441 .0420 .0400 .0382 .0365

.0350 .0336 .0322 .0310 .0298

.0243 .0215 .0174 .0166 .0158

.0133 .0109 .0105 .00917 .00859

.00782 .00715 .00675 .00638 .00517

.00150 .00055 .00021

Compound Interest Factors

Uniform Payment Series

Capital Recovery

Factor

Find A Given P

A/P

Compound Amount Factor

Find F Given A

F/A

1.0075 .5056 .3383 .2547 .2045

.1711 .1472 .1293 .1153 .1042

.0951 .0875 .0810 .0755 .0707

.0666 .0629 .0596 .0567 .0540

.0516 .0495 .0475 .0457 .0440

.0425 .0411 .0397 .0385 .0373

.0318 .0290 .0249 .0241 .0233

.0208 .0184 .0180 .0167 .0161

.0153 .0147 .0143 .0139 .0127

.00900 .00805 .00771

1.000 2.008 3.023 4.045 5.076

6.114 7.160 8.213 9.275 10.344

11.422 12.508 13.602 14.704 15.814

16.932 18.059 19.195 20.339 21.491

22.653 23.823 25.001 26.189 27.385

28.591 29.805 31.029 32.261 33.503

41.153 46.447 57.521 60.395 63.312

75.425 91.621 95.008 109.074 116.428

127.881 139.858 148.147 156.687 193.517

667.901 1 830.8 4 681.5

Present Worth Factor

Find P Given A

P/A

0.993 1.978 2.956 3.926 4.889

5.846 6.795 7.737 8.672 9.600

10.521 11.435 12.342 13.243 14.137

15.024 15.905 16.779 17.647 18.508

19.363 20.211 21.053 21.889 22.719

23.542 24.360 25.171 25.976 26.775

31.447 34.447 40.185 41.567 42.928

48.174 54.305 55.477 59.995 62.154

65.275 68.259 70.175 72.035 78.942

111.145 124.282 129.641

Arithmetic Gradient

Gradient Uniform

Series

Find A Given G

A/G

Gradient Present Worth

Find P Given G

P/G

0 0.499 0.996 1.492 1.986

2.479 2.971 3.462 3.951 4.440

4.927 5.412 5.897 6.380 6.862

7.343 7.822 8.300 8.777 9.253

9.727 10.201 10.673 11.143 11.613

12.081 12.548 13.014 13.479 13.942

16.696 18.507 22.070 22.949 23.822

27.268 31.465 32.289 35.540 37.137

39.496 41.812 43.332 44.834 50.653

85.422 107.115 119.662

0 0.987 2.943 5.857 9.712

14.494 20.187 26.785 34.265 42.619

51.831 61.889 72.779 84.491 97.005

110.318 124.410 139.273 154.891 171.254

188.352 206.170 224.695 243.924 263.834

284.421 305.672 327.576 350.122 373.302

525.038 637.519 886.899 953.911 1 022.64

1 313.59 1 708.68 1 791.33 2 132.23 2 308.22

2 578.09 2 854.04 3 040.85 3 229.60 3 998.68

9 494.26 13 312.50 15 513.16

3/4%

n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

newn42040_appB.qxd 1/5/04 10:52 AM Page 563

COMPOUND INTEREST TABLES 563

1%

Compound Interest Factors

1%

Single Payment

Uniform Payment Series

Arithmetic Gradient

Compound Amount Factor

Present Worth Factor

Sinking Fund Factor

Capital Recovery

Factor

Compound Amount Factor

Present Worth Factor

Gradient Uniform

Series

Gradient Present Worth

Find F

Find P

Find A

Find A

Find F

Find P

Find A

Find P

Given P

Given F Given F

Given P

Given A

Given A Given G

Given G

n

F/P

P/F

A/F

A/P

F/A

P/A

A/G

P/G

n

1

1.010

.9901

1.0000

1.0100

2

1.020

.9803

.4975

.5075

3

1.030

.9706

.3300

.3400

4

1.041

.9610

.2463

.2563

5

1.051

.9515

.1960

.2060

1.000 2.010 3.030 4.060 5.101

0.990 1.970 2.941 3.902 4.853

0 0.498 0.993 1.488 1.980

0

1

0.980

2

2.921

3

5.804

4

9.610

5

6

1.062

.9420

.1625

.1725

7

1.072

.9327

.1386

.1486

8

1.083

.9235

.1207

.1307

9

1.094

.9143

.1067

.1167

10

1.105

.9053

.0956

.1056

6.152 7.214 8.286 9.369 10.462

5.795 6.728 7.652 8.566 9.471

2.471 2.960 3.448 3.934 4.418

14.320

6

19.917

7

26.381

8

33.695

9

41.843

10

11

1.116

.8963

.0865

.0965

12

1.127

.8874

.0788

.0888

13

1.138

.8787

.0724

.0824

14

1.149

.8700

.0669

.0769

15

1.161

.8613

.0621

.0721

11.567 12.682 13.809 14.947 16.097

10.368 11.255 12.134 13.004 13.865

4.900 5.381 5.861 6.338 6.814

50.806

11

60.568

12

71.112

13

82.422

14

94.481

15

16

1.173

.8528

.0579

.0679

17

1.184

.8444

.0543

.0643

18

1.196

.8360

.0510

.0610

19

1.208

.8277

.0481

.0581

20

1.220

.8195

.0454

.0554

17.258 18.430 19.615 20.811 22.019

14.718 15.562 16.398 17.226 18.046

7.289 7.761 8.232 8.702 9.169

107.273

16

120.783

17

134.995

18

149.895

19

165.465

20

21

1.232

.8114

.0430

.0530

22

1.245

.8034

.0409

.0509

23

1.257

.7954

.0389

.0489

24

1.270

.7876

.0371

.0471

25

1.282

.7798

.0354

.0454

23.239 24.472 25.716 26.973 28.243

18.857 19.660 20.456 21.243 22.023

9.635 10.100 10.563 11.024 11.483

181.694

21

198.565

22

216.065

23

234.179

24

252.892

25

26

1.295

.7720

.0339

.0439

27

1.308

.7644

.0324

.0424

28

1.321

.7568

.0311

.0411

29

1.335

.7493

.0299

.0399

30

1.348

.7419

.0287

.0387

29.526 30.821 32.129 33.450 34.785

22.795 23.560 24.316 25.066 25.808

11.941 12.397 12.852 13.304 13.756

272.195

26

292.069

27

312.504

28

333.486

29

355.001

30

36

1.431

.6989

.0232

.0332

40

1.489

.6717

.0205

.0305

48

1.612

.6203

.0163

.0263

50

1.645

.6080

.0155

.0255

52

1.678

.5961

.0148

.0248

43.077 48.886 61.223 64.463 67.769

30.107 32.835 37.974 39.196 40.394

16.428 18.178 21.598 22.436 23.269

494.620

36

596.854

40

820.144

48

879.417

50

939.916

52

60

1.817

.5504

.0122

.0222

70

2.007

.4983

.00993

.0199

72

2.047

.4885

.00955

.0196

80

2.217

.4511

.00822

.0182

84

2.307

.4335

.00765

.0177

81.670

44.955

26.533

1 192.80

60

100.676

50.168

30.470

1 528.64

70

104.710

51.150

31.239

1 597.86

72

121.671

54.888

34.249

1 879.87

80

130.672

56.648

35.717

2 023.31

84

90

2.449

.4084

.00690

.0169

96

2.599

.3847

.00625

.0163

100

2.705

.3697

.00587

.0159

104

2.815

.3553

.00551

.0155

120

3.300

.3030

.00435

.0143

144.863

59.161

37.872

2 240.56

90

159.927

61.528

39.973

2 459.42

96

170.481

63.029

41.343

2 605.77

100

181.464

64.471

42.688

2 752.17

104

230.039

69.701

47.835

3 334.11

120

240

10.893

.0918

.00101

360

35.950

.0278

.00029

480

118.648

.00843

.00008

.0110

989.254

90.819

75.739

6 878.59

240

.0103

3 495.0

97.218

89.699

8 720.43

360

.0101

11 764.8

99.157

95.920

9 511.15

480

newn42040_appB.qxd 1/5/04 10:52 AM Page 564

564 COMPOUND INTEREST TABLES

1 1/4%

Single Payment

Compound Amount Factor

Present Worth Factor

Find F

Find P

Given P

Given F

n

F/P

P/F

1

1.013

2

1.025

3

1.038

4

1.051

5

1.064

6

1.077

7

1.091

8

1.104

9

1.118

10

1.132

11

1.146

12

1.161

13

1.175

14

1.190

15

1.205

16

1.220

17

1.235

18

1.251

19

1.266

20

1.282

21

1.298

22

1.314

23

1.331

24

1.347

25

1.364

26

1.381

27

1.399

28

1.416

29

1.434

30

1.452

36

1.564

40

1.644

48

1.845

50

1.861

52

1.908

60

2.107

70

2.386

72

2.446

80

2.701

84

2.839

90

3.059

96

3.296

100

3.463

104

3.640

120

4.440

240

19.716

360

87.543

480

388.713

.9877 .9755 .9634 .9515 .9398

.9282 .9167 .9054 .8942 .8832

.8723 .8615 .8509 .8404 .8300

.8197 .8096 .7996 .7898 .7800

.7704 .7609 .7515 .7422 .7330

.7240 .7150 .7062 .6975 .6889

.6394 .6084 .5509 .5373 .5242

.4746 .4191 .4088 .3702 .3522

.3269 .3034 .2887 .2747 .2252

.0507 .0114 .00257

Sinking Fund Factor

Find A Given F

A/F

1.0000 .4969 .3292 .2454 .1951

.1615 .1376 .1196 .1057 .0945

.0854 .0778 .0713 .0658 .0610

.0568 .0532 .0499 .0470 .0443

.0419 .0398 .0378 .0360 .0343

.0328 .0314 .0300 .0288 .0277

.0222 .0194 .0153 .0145 .0138

.0113 .00902 .00864 .00735 .00680

.00607 .00545 .00507 .00474 .00363

.00067 .00014 .00003

Compound Interest Factors

Uniform Payment Series

Capital Recovery

Factor

Find A Given P

A/P

Compound Amount Factor

Find F Given A

F/A

1.0125 .5094 .3417 .2579 .2076

.1740 .1501 .1321 .1182 .1070

.0979 .0903 .0838 .0783 .0735

.0693 .0657 .0624 .0595 .0568

.0544 .0523 .0503 .0485 .0468

.0453 .0439 .0425 .0413 .0402

.0347 .0319 .0278 .0270 .0263

.0238 .0215 .0211 .0198 .0193

.0186 .0179 .0176 .0172 .0161

.0132 .0126 .0125

1.000 2.013 3.038 4.076 5.127

6.191 7.268 8.359 9.463 10.582

11.714 12.860 14.021 15.196 16.386

17.591 18.811 20.046 21.297 22.563

23.845 25.143 26.458 27.788 29.136

30.500 31.881 32.280 34.696 36.129

45.116 51.490 65.229 68.882 72.628

88.575 110.873 115.675 136.120 147.130

164.706 183.643 197.074 211.190 275.220

1 497.3 6 923.4 31 017.1

Present Worth Factor

Find P Given A

P/A

0.988 1.963 2.927 3.878 4.818

5.746 6.663 7.568 8.462 9.346

10.218 11.079 11.930 12.771 13.601

14.420 15.230 16.030 16.849 17.599

18.370 19.131 19.882 20.624 21.357

22.081 22.796 23.503 24.200 24.889

28.847 31.327 35.932 37.013 38.068

42.035 46.470 47.293 50.387 51.822

53.846 55.725 56.901 58.021 61.983

75.942 79.086 79.794

1 1/4%

Arithmetic Gradient

Gradient Uniform

Series

Gradient Present Worth

Find A

Find P

Given G Given G

A/G

P/G

n

0 0.497 0.992 1.485 1.976

2.464 2.951 3.435 3.918 4.398

4.876 5.352 5.827 6.299 6.769

7.237 7.702 8.166 8.628 9.088

9.545 10.001 10.455 10.906 11.355

11.803 12.248 12.691 13.133 13.572

16.164 17.852 21.130 21.930 22.722

25.809 29.492 30.205 32.983 34.326

36.286 38.180 39.406 40.604 45.119

67.177 75.840 78.762

0

1

0.976

2

2.904

3

5.759

4

9.518

5

14.160

6

19.660

7

25.998

8

33.152

9

41.101

10

49.825

11

59.302

12

69.513

13

80.438

14

92.058

15

104.355

16

117.309

17

130.903

18

145.119

19

159.940

20

175.348

21

191.327

22

207.859

23

224.930

24

242.523

25

260.623

26

279.215

27

298.284

28

317.814

29

337.792

30

466.297

36

559.247

40

759.248

48

811.692

50

864.960

52

1 084.86

60

1 370.47

70

1 428.48

72

1 661.89

80

1 778.86

84

1 953.85

90

2 127.55

96

2 242.26

100

2 355.90

104

2 796.59

120

5 101.55

240

5 997.91

360

6 284.74

480

newn42040_appB.qxd 1/5/04 10:52 AM Page 565

1 1/2%

Single Payment

Compound Amount Factor

Present Worth Factor

Find F

Find P

Given P

Given F

n

F/P

P/F

1

1.015

2

1.030

3

1.046

4

1.061

5

1.077

6

1.093

7

1.110

8

1.126

9

1.143

10

1.161

11

1.178

12

1.196

13

1.214

14

1.232

15

1.250

16

1.269

17

1.288

18

1.307

19

1.327

20

1.347

21

1.367

22

1.388

23

1.408

24

1.430

25

1.451

26

1.473

27

1.495

28

1.517

29

1.540

30

1.563

36

1.709

40

1.814

48

2.043

50

2.105

52

2.169

60

2.443

70

2.835

72

2.921

80

3.291

84

3.493

90

3.819

96

4.176

100

4.432

104

4.704

120

5.969

240

35.632

360

212.700

480

1 269.7

.9852 .9707 .9563 .9422 .9283

.9145 .9010 .8877 .8746 .8617

.8489 .8364 .8240 .8118 .7999

.7880 .7764 .7649 .7536 .7425

.7315 .7207 .7100 .6995 .6892

.6790 .6690 .6591 .6494 .6398

.5851 .5513 .4894 .4750 .4611

.4093 .3527 .3423 .3039 .2863

.2619 .2395 .2256 .2126 .1675

.0281 .00470 .00079

COMPOUND INTEREST TABLES 565

Sinking Fund Factor

Find A Given F

A/F

1.0000 .4963 .3284 .2444 .1941

.1605 .1366 .1186 .1046 .0934

.0843 .0767 .0702 .0647 .0599

.0558 .0521 .0488 .0459 .0432

.0409 .0387 .0367 .0349 .0333

.0317 .0303 .0290 .0278 .0266

.0212 .0184 .0144 .0136 .0128

.0104 .00817 .00781 .00655 .00602

.00532 .00472 .00437 .00405 .00302

.00043 .00007 .00001

Compound Interest Factors

Uniform Payment Series

Capital Recovery

Factor

Find A Given P

A/P

Compound Amount Factor

Find F Given A

F/A

1.0150 .5113 .3434 .2594 .2091

.1755 .1516 .1336 .1196 .1084

.0993 .0917 .0852 .0797 .0749

.0708 .0671 .0638 .0609 .0582

.0559 .0537 .0517 .0499 .0483

.0467 .0453 .0440 .0428 .0416

.0362 .0334 .0294 .0286 .0278

.0254 .0232 .0228 .0215 .0210

.0203 .0197 .0194 .0190 .0180

.0154 .0151 .0150

1.000 2.015 3.045 4.091 5.152

6.230 7.323 8.433 9.559 10.703

11.863 13.041 14.237 15.450 16.682

17.932 19.201 20.489 21.797 23.124

24.470 25.837 27.225 28.633 30.063

31.514 32.987 34.481 35.999 37.539

47.276 54.268 69.565 73.682 77.925

96.214 122.363 128.076 152.710 166.172

187.929 211.719 228.802 246.932 331.286

2 308.8 14 113.3 84 577.8

Present Worth Factor

Find P Given A

P/A

0.985 1.956 2.912 3.854 4.783

5.697 6.598 7.486 8.360 9.222

10.071 10.907 11.731 12.543 13.343

14.131 14.908 15.673 16.426 17.169

17.900 18.621 19.331 20.030 20.720

21.399 22.068 22.727 23.376 24.016

27.661 29.916 34.042 35.000 35.929

39.380 43.155 43.845 46.407 47.579

49.210 50.702 51.625 52.494 55.498

64.796 66.353 66.614

1 1/2%

Arithmetic Gradient

Gradient Uniform

Series

Gradient Present Worth

Find A

Find P

Given G

Given G

A/G

P/G

n

0 0.496 0.990 1.481 1.970

2.456 2.940 3.422 3.901 4.377

4.851 5.322 5.791 6.258 6.722

7.184 7.643 8.100 8.554 9.005

9.455 9.902 10.346 10.788 11.227

11.664 12.099 12.531 12.961 13.388

15.901 17.528 20.666 21.428 22.179

25.093 28.529 29.189 31.742 32.967

34.740 36.438 37.529 38.589 42.518

59.737 64.966 66.288

0

1

0.970

2

2.883

3

5.709

4

9.422

5

13.994

6

19.400

7

25.614

8

32.610

9

40.365

10

48.855

11

58.054

12

67.943

13

78.496

14

89.694

15

101.514

16

113.937

17

126.940

18

140.505

19

154.611

20

169.241

21

184.375

22

199.996

23

216.085

24

232.626

25

249.601

26

266.995

27

284.790

28

302.972

29

321.525

30

439.823

36

524.349

40

703.537

48

749.955

50

796.868

52

988.157

60

1 231.15

70

1 279.78

72

1 473.06

80

1 568.50

84

1 709.53

90

1 847.46

96

1 937.43

100

2 025.69

104

2 359.69

120

3 870.68

240

4 310.71

360

4 415.74

480

newn42040_appB.qxd 1/5/04 10:52 AM Page 566

566 COMPOUND INTEREST TABLES

1 3/4%

Single Payment

Compound Amount Factor

Present Worth Factor

Find F

Find P

Given P

Given F

n

F/P

P/F

1

1.018

2

1.035

3

1.053

4

1.072

5

1.091

6

1.110

7

1.129

8

1.149

9

1.169

10

1.189

11

1.210

12

1.231

13

1.253

14

1.275

15

1.297

16

1.320

17

1.343

18

1.367

19

1.390

20

1.415

21

1.440

22

1.465

23

1.490

24

1.516

25

1.543

26

1.570

27

1.597

28

1.625

29

1.654

30

1.683

36

1.867

40

2.002

48

2.300

50

2.381

52

2.465

60

2.832

70

3.368

72

3.487

80

4.006

84

4.294

90

4.765

96

5.288

100

5.668

104

6.075

120

8.019

240

64.308

360

515.702

480 4 135.5

.9828 .9659 .9493 .9330 .9169

.9011 .8856 .8704 .8554 .8407

.8263 .8121 .7981 .7844 .7709

.7576 .7446 .7318 .7192 .7068

.6947 .6827 .6710 .6594 .6481

.6369 .6260 .6152 .6046 .5942

.5355 .4996 .4349 .4200 .4057

.3531 .2969 .2868 .2496 .2329

.2098 .1891 .1764 .1646 .1247

.0156 .00194 .00024

Sinking Fund Factor

Find A Given F

A/F

1.0000 .4957 .3276 .2435 .1931

.1595 .1355 .1175 .1036 .0924

.0832 .0756 .0692 .0637 .0589

.0547 .0510 .0477 .0448 .0422

.0398 .0377 .0357 .0339 .0322

.0307 .0293 .0280 .0268 .0256

.0202 .0175 .0135 .0127 .0119

.00955 .00739 .00704 .00582 .00531

.00465 .00408 .00375 .00345 .00249

.00028 .00003

Compound Interest Factors

Uniform Payment Series

Capital Recovery

Factor

Find A Given P

A/P

Compound Amount Factor

Find F Given A

F/A

1.0175 .5132 .3451 .2610 .2106

.1770 .1530 .1350 .1211 .1099

.1007 .0931 .0867 .0812 .0764

.0722 .0685 .0652 .0623 .0597

.0573 .0552 .0532 .0514 .0497

.0482 .0468 .0455 .0443 .0431

.0377 .0350 .0310 .0302 .0294

.0271 .0249 .0245 .0233 .0228

.0221 .0216 .0212 .0209 .0200

.0178 .0175 .0175

1.000 2.018 3.053 4.106 5.178

6.269 7.378 8.508 9.656 10.825

12.015` 13.225 14.457 15.710 16.985

18.282 19.602 20.945 22.311 23.702

25.116 26.556 28.021 29.511 31.028

32.571 34.141 35.738 37.363 39.017

49.566 57.234 74.263 78.903 83.706

104.676 135.331 142.127 171.795 188.246

215.166 245.039 266.753 290.028 401.099

3 617.6 29 411.5 236 259.0

Present Worth Factor

Find P Given A

P/A

0.983 1.949 2.898 3.831 4.748

5.649 6.535 7.405 8.261 9.101

9.928 10.740 11.538 12.322 13.093

13.851 14.595 15.327 16.046 16.753

17.448 18.130 18.801 19.461 20.109

20.746 21.372 21.987 22.592 23.186

26.543 28.594 32.294 33.141 33.960

36.964 40.178 40.757 42.880 43.836

45.152 46.337 47.062 47.737 50.017

56.254 57.032 57.129

1 3/4%

Arithmetic Gradient

Gradient Uniform

Series

Gradient Present Worth

Find A

Find P

Given G Given G

A/G

P/G

n

0 0.496 0.989 1.478 1.965

2.450 2.931 3.409 3.885 4.357

4.827 5.294 5.758 6.219 6.677

7.132 7.584 8.034 8.481 8.924

9.365 9.804 10.239 10.671 11.101

11.528 11.952 12.373 12.791 13.206

15.640 17.207 20.209 20.932 21.644

24.389 27.586 28.195 30.533 31.644

33.241 34.756 35.721 36.652 40.047

53.352 56.443 57.027

0

1

0.966

2

2.865

3

5.664

4

9.332

5

13.837

6

19.152

7

25.245

8

32.088

9

39.655

10

47.918

11

56.851

12

66.428

13

76.625

14

87.417

15

98.782

16

110.695

17

123.136

18

136.081

19

149.511

20

163.405

21

177.742

22

192.503

23

207.671

24

223.225

25

239.149

26

255.425

27

272.036

28

288.967

29

306.200

30

415.130

36

492.017

40

652.612

48

693.708

50

735.039

52

901.503

60

1 108.34

70

1 149.12

72

1 309.25

80

1 387.16

84

1 500.88

90

1 610.48

96

1 681.09

100

1 749.68

104

2 003.03

120

3 001.27

240

3 219.08

360

3 257.88

480

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