PRESENT VALUE FACTOR FOR ANNUITY

Periods

1%

2%

3%

4%

5%

6%

7%

8%

9%

10%

0.9901

0.9804

0.9709

0.9615

0.9524

0.9434

0.9346

0.9259

0.9174

0.9091

1.9704

1.9416

1.9135

1.8861

1.8594

1.8334

1.8080

1.7833

1.7591

1.7355

2.9410

2.8839

2.8286

2.7751

2.7232

2.6730

2.6243

2.5771

2.5313

2.4869

3.9020

3.8077

3.7171

3.6299

3.5460

3.4651

3.3872

3.3121

3.2397

3.1699

4.8534

4.7135

4.5797

4.4518

4.3295

4.2124

4.1002

3.9927

3.8897

3.7908

5.7955

5.6014

5.4172

5.2421

5.0757

4.9173

4.7665

4.6229

4.4859

4.3553

6.7282

6.4720

6.2303

6.0021

5.7864

5.5824

5.3893

5.2064

5.0330

4.8684

7.6517

7.3255

7.0197

6.7327

6.4632

6.2098

5.9713

5.7466

5.5348

5.3349

8.5660

8.1622

7.7861

7.4353

7.1078

6.8017

6.5152

6.2469

5.9952

5.7590

10

9.4713

8.9826

8.5302

8.1109

7.7217

7.3601

7.0236

6.7101

6.4177

6.1446

11

10.3676

9.7868

9.2526

8.7605

8.3064

7.8869

7.4987

7.1390

6.8052

6.4951

12

11.2551

10.5753

9.9540

9.3851

8.8633

8.3838

7.9427

7.5361

7.1607

6.8137

13

12.1337

11.3484

10.6350

9.9856

9.3936

8.8527

8.3577

7.9038

7.4869

7.1034

14

13.0037

12.1062

11.2961

10.5631

9.8986

9.2950

8.7455

8.2442

7.7862

7.3667

15

13.8651

12.8493

11.9379

11.1184

10.3797

9.7122

9.1079

8.5595

8.0607

7.6061

16

14.7179

13.5777

12.5611

11.6523

10.8378

10.1059

9.4466

8.8514

8.3126

7.8237

17

15.5623

14.2919

13.1661

12.1657

11.2741

10.4773

9.7632

9.1216

8.5436

8.0216

18

16.3983

14.9920

13.7535

12.6593

11.6896

10.8276

10.0591

9.3719

8.7556

8.2014

19

17.2260

15.6785

14.3238

13.1339

12.0853

11.1581

10.3356

9.6036

8.9501

8.3649

20

18.0456

16.3514

14.8775

13.5903

12.4622

11.4699

10.5940

9.8181

9.1285

8.5136

21

18.8570

17.0112

15.4150

14.0292

12.8212

11.7641

10.8355

10.0168

9.2922

8.6487

22

19.6604

17.6580

15.9369

14.4511

13.1630

12.0416

11.0612

10.2007

9.4424

8.7715

23

20.4558

18.2922

16.4436

14.8568

13.4886

12.3034

11.2722

10.3711

9.5802

8.8832

24

21.2434

18.9139

16.9355

15.2470

13.7986

12.5504

11.4693

10.5288

9.7066

8.9847

25

22.0232

19.5235

17.4131

15.6221

14.0939

12.7834

11.6536

10.6748

9.8226

9.0770

26

22.7952

20.1210

17.8768

15.9828

14.3752

13.0032

11.8258

10.8100

9.9290

9.1609

27

23.5596

20.7069

18.3270

16.3296

14.6430

13.2105

11.9867

10.9352

10.0266

9.2372

28

24.3164

21.2813

18.7641

16.6631

14.8981

13.4062

12.1371

11.0511

10.1161

9.3066

29

25.0658

21.8444

19.1885

16.9837

15.1411

13.5907

12.2777

11.1584

10.1983

9.3696

30

25.8077

22.3965

19.6004

17.2920

15.3725

13.7648

12.4090

11.2578

10.2737

9.4269

31

26.5423

22.9377

20.0004

17.5885

15.5928

13.9291

12.5318

11.3498

10.3428

9.4790

32

27.2696

23.4683

20.3888

17.8736

15.8027

14.0840

12.6466

11.4350

10.4062

9.5264

33

27.9897

23.9886

20.7658

18.1476

16.0025

14.2302

12.7538

11.5139

10.4644

9.5694

34

28.7027

24.4986

21.1318

18.4112

16.1929

14.3681

12.8540

11.5869

10.5178

9.6086

35

29.4086

24.9986

21.4872

18.6646

16.3742

14.4982

12.9477

11.6546

10.5668

9.6442

36

30.1075

25.4888

21.8323

18.9083

16.5469

14.6210

13.0352

11.7172

10.6118

9.6765

37

30.7995

25.9695

22.1672

19.1426

16.7113

14.7368

13.1170

11.7752

10.6530

9.7059

38

31.4847

26.4406

22.4925

19.3679

16.8679

14.8460

13.1935

11.8289

10.6908

9.7327

39

32.1630

26.9026

22.8082

19.5845

17.0170

14.9491

13.2649

11.8786

10.7255

9.7570

40

32.8347

27.3555

23.1148

19.7928

17.1591

15.0463

13.3317

11.9246

10.7574

9.7791

41

33.4997

27.7995

23.4124

19.9931

17.2944

15.1380

13.3941

11.9672

10.7866

9.7991

42

34.1581

28.2348

23.7014

20.1856

17.4232

15.2245

13.4524

12.0067

10.8134

9.8174

43

34.8100

28.6616

23.9819

20.3708

17.5459

15.3062

13.5070

12.0432

10.8380

9.8340

44

35.4555

29.0800

24.2543

20.5488

17.6628

15.3832

13.5579

12.0771

10.8605

9.8491

45

36.0945

29.4902

24.5187

20.7200

17.7741

15.4558

13.6055

12.1084

10.8812

9.8628

46

36.7272

29.8923

24.7754

20.8847

17.8801

15.5244

13.6500

12.1374

10.9002

9.8753

47

37.3537

30.2866

25.0247

21.0429

17.9810

15.5890

13.6916

12.1643

10.9176

9.8866

48

37.9740

30.6731

25.2667

21.1951

18.0772

15.6500

13.7305

12.1891

10.9336

9.8969

49

38.5881

31.0521

25.5017

21.3415

18.1687

15.7076

13.7668

12.2122

10.9482

9.9063

50

39.1961

31.4236

25.7298

21.4822

18.2559

15.7619

13.8007

12.2335

10.9617

9.9148

Periods

11%

12%

13%

14%

15%

16%

17%

18%

19%

20%

0.9009

0.8929

0.8850

0.8772

0.8696

0.8621

0.8547

0.8475

0.8403

0.8333

1.7125

1.6901

1.6681

1.6467

1.6257

1.6052

1.5852

1.5656

1.5465

1.5278

2.4437

2.4018

2.3612

2.3216

2.2832

2.2459

2.2096

2.1743

2.1399

2.1065

3.1024

3.0373

2.9745

2.9137

2.8550

2.7982

2.7432

2.6901

2.6386

2.5887

3.6959

3.6048

3.5172

3.4331

3.3522

3.2743

3.1993

3.1272

3.0576

2.9906

4.2305

4.1114

3.9975

3.8887

3.7845

3.6847

3.5892

3.4976

3.4098

3.3255

4.7122

4.5638

4.4226

4.2883

4.1604

4.0386

3.9224

3.8115

3.7057

3.6046

5.1461

4.9676

4.7988

4.6389

4.4873

4.3436

4.2072

4.0776

3.9544

3.8372

5.5370

5.3282

5.1317

4.9464

4.7716

4.6065

4.4506

4.3030

4.1633

4.0310

10

5.8892

5.6502

5.4262

5.2161

5.0188

4.8332

4.6586

4.4941

4.3389

4.1925

11

6.2065

5.9377

5.6869

5.4527

5.2337

5.0286

4.8364

4.6560

4.4865

4.3271

12

6.4924

6.1944

5.9176

5.6603

5.4206

5.1971

4.9884

4.7932

4.6105

4.4392

13

6.7499

6.4235

6.1218

5.8424

5.5831

5.3423

5.1183

4.9095

4.7147

4.5327

14

6.9819

6.6282

6.3025

6.0021

5.7245

5.4675

5.2293

5.0081

4.8023

4.6106

15

7.1909

6.8109

6.4624

6.1422

5.8474

5.5755

5.3242

5.0916

4.8759

4.6755

16

7.3792

6.9740

6.6039

6.2651

5.9542

5.6685

5.4053

5.1624

4.9377

4.7296

17

7.5488

7.1196

6.7291

6.3729

6.0472

5.7487

5.4746

5.2223

4.9897

4.7746

18

7.7016

7.2497

6.8399

6.4674

6.1280

5.8178

5.5339

5.2732

5.0333

4.8122

19

7.8393

7.3658

6.9380

6.5504

6.1982

5.8775

5.5845

5.3162

5.0700

4.8435

20

7.9633

7.4694

7.0248

6.6231

6.2593

5.9288

5.6278

5.3527

5.1009

4.8696

21

8.0751

7.5620

7.1016

6.6870

6.3125

5.9731

5.6648

5.3837

5.1268

4.8913

22

8.1757

7.6446

7.1695

6.7429

6.3587

6.0113

5.6964

5.4099

5.1486

4.9094

23

8.2664

7.7184

7.2297

6.7921

6.3988

6.0442

5.7234

5.4321

5.1668

4.9245

24

8.3481

7.7843

7.2829

6.8351

6.4338

6.0726

5.7465

5.4509

5.1822

4.9371

25

8.4217

7.8431

7.3300

6.8729

6.4641

6.0971

5.7662

5.4669

5.1951

4.9476

26

8.4881

7.8957

7.3717

6.9061

6.4906

6.1182

5.7831

5.4804

5.2060

4.9563

27

8.5478

7.9426

7.4086

6.9352

6.5135

6.1364

5.7975

5.4919

5.2151

4.9636

28

8.6016

7.9844

7.4412

6.9607

6.5335

6.1520

5.8099

5.5016

5.2228

4.9697

29

8.6501

8.0218

7.4701

6.9830

6.5509

6.1656

5.8204

5.5098

5.2292

4.9747

30

8.6938

8.0552

7.4957

7.0027

6.5660

6.1772

5.8294

5.5168

5.2347

4.9789

31

8.7331

8.0850

7.5183

7.0199

6.5791

6.1872

5.8371

5.5227

5.2392

4.9824

32

8.7686

8.1116

7.5383

7.0350

6.5905

6.1959

5.8437

5.5277

5.2430

4.9854

33

8.8005

8.1354

7.5560

7.0482

6.6005

6.2034

5.8493

5.5320

5.2462

4.9878

34

8.8293

8.1566

7.5717

7.0599

6.6091

6.2098

5.8541

5.5356

5.2489

4.9898

35

8.8552

8.1755

7.5856

7.0700

6.6166

6.2153

5.8582

5.5386

5.2512

4.9915

36

8.8786

8.1924

7.5979

7.0790

6.6231

6.2201

5.8617

5.5412

5.2531

4.9929

37

8.8996

8.2075

7.6087

7.0868

6.6288

6.2242

5.8647

5.5434

5.2547

4.9941

38

8.9186

8.2210

7.6183

7.0937

6.6338

6.2278

5.8673

5.5452

5.2561

4.9951

39

8.9357

8.2330

7.6268

7.0997

6.6380

6.2309

5.8695

5.5468

5.2572

4.9959

40

8.9511

8.2438

7.6344

7.1050

6.6418

6.2335

5.8713

5.5482

5.2582

4.9966

41

8.9649

8.2534

7.6410

7.1097

6.6450

6.2358

5.8729

5.5493

5.2590

4.9972

42

8.9774

8.2619

7.6469

7.1138

6.6478

6.2377

5.8743

5.5502

5.2596

4.9976

43

8.9886

8.2696

7.6522

7.1173

6.6503

6.2394

5.8755

5.5510

5.2602

4.9980

44

8.9988

8.2764

7.6568

7.1205

6.6524

6.2409

5.8765

5.5517

5.2607

4.9984

45

9.0079

8.2825

7.6609

7.1232

6.6543

6.2421

5.8773

5.5523

5.2611

4.9986

46

9.0161

8.2880

7.6645

7.1256

6.6559

6.2432

5.8781

5.5528

5.2614

4.9989

47

9.0235

8.2928

7.6677

7.1277

6.6573

6.2442

5.8787

5.5532

5.2617

4.9991

48

9.0302

8.2972

7.6705

7.1296

6.6585

6.2450

5.8792

5.5536

5.2619

4.9992

49

9.0362

8.3010

7.6730

7.1312

6.6596

6.2457

5.8797

5.5539

5.2621

4.9993

50

9.0417

8.3045

7.6752

7.1327

6.6605

6.2463

5.8801

5.5541

5.2623

4.9995

Periods

21%

22%

23%

24%

25%

26%

27%

28%

29%

0.8264 0.8197 0.8130 0.8065 0.8000 0.7937 0.7874 0.7812 0.7752 0.7692

1.5095 1.4915 1.4740 1.4568 1.4400 1.4235 1.4074 1.3916 1.3761 1.3609

2.0739 2.0422 2.0114 1.9813 1.9520 1.9234 1.8956 1.8684 1.8420 1.8161

2.5404 2.4936 2.4483 2.4043 2.3616 2.3202 2.2800 2.2410 2.2031 2.1662

2.9260 2.8636 2.8035 2.7454 2.6893 2.6351 2.5827 2.5320 2.4830 2.4356

30%

3.2446 3.1669 3.0923 3.0205 2.9514 2.8850 2.8210 2.7594 2.7000 2.6427

3.5079 3.4155 3.3270 3.2423 3.1611 3.0833 3.0087 2.9370 2.8682 2.8021

3.7256 3.6193 3.5179 3.4212 3.3289 3.2407 3.1564 3.0758 2.9986 2.9247

3.9054 3.7863 3.6731 3.5655 3.4631 3.3657 3.2728 3.1842 3.0997 3.0190

10

4.0541 3.9232 3.7993 3.6819 3.5705 3.4648 3.3644 3.2689 3.1781 3.0915

11

4.1769 4.0354 3.9018 3.7757 3.6564 3.5435 3.4365 3.3351 3.2388 3.1473

12

4.2784 4.1274 3.9852 3.8514 3.7251 3.6059 3.4933 3.3868 3.2859 3.1903

13

4.3624 4.2028 4.0530 3.9124 3.7801 3.6555 3.5381 3.4272 3.3224 3.2233

14

4.4317 4.2646 4.1082 3.9616 3.8241 3.6949 3.5733 3.4587 3.3507 3.2487

15

4.4890 4.3152 4.1530 4.0013 3.8593 3.7261 3.6010 3.4834 3.3726 3.2682

16

4.5364 4.3567 4.1894 4.0333 3.8874 3.7509 3.6228 3.5026 3.3896 3.2832

17

4.5755 4.3908 4.2190 4.0591 3.9099 3.7705 3.6400 3.5177 3.4028 3.2948

18

4.6079 4.4187 4.2431 4.0799 3.9279 3.7861 3.6536 3.5294 3.4130 3.3037

19

4.6346 4.4415 4.2627 4.0967 3.9424 3.7985 3.6642 3.5386 3.4210 3.3105

20

4.6567 4.4603 4.2786 4.1103 3.9539 3.8083 3.6726 3.5458 3.4271 3.3158

21

4.6750 4.4756 4.2916 4.1212 3.9631 3.8161 3.6792 3.5514 3.4319 3.3198

22

4.6900 4.4882 4.3021 4.1300 3.9705 3.8223 3.6844 3.5558 3.4356 3.3230

23

4.7025 4.4985 4.3106 4.1371 3.9764 3.8273 3.6885 3.5592 3.4384 3.3254

24

4.7128 4.5070 4.3176 4.1428 3.9811 3.8312 3.6918 3.5619 3.4406 3.3272

25

4.7213 4.5139 4.3232 4.1474 3.9849 3.8342 3.6943 3.5640 3.4423 3.3286

26

4.7284 4.5196 4.3278 4.1511 3.9879 3.8367 3.6963 3.5656 3.4437 3.3297

27

4.7342 4.5243 4.3316 4.1542 3.9903 3.8387 3.6979 3.5669 3.4447 3.3305

28

4.7390 4.5281 4.3346 4.1566 3.9923 3.8402 3.6991 3.5679 3.4455 3.3312

29

4.7430 4.5312 4.3371 4.1585 3.9938 3.8414 3.7001 3.5687 3.4461 3.3317

30

4.7463 4.5338 4.3391 4.1601 3.9950 3.8424 3.7009 3.5693 3.4466 3.3321

31

4.7490 4.5359 4.3407 4.1614 3.9960 3.8432 3.7015 3.5697 3.4470 3.3324

32

4.7512 4.5376 4.3421 4.1624 3.9968 3.8438 3.7019 3.5701 3.4473 3.3326

33

4.7531 4.5390 4.3431 4.1632 3.9975 3.8443 3.7023 3.5704 3.4475 3.3328

34

4.7546 4.5402 4.3440 4.1639 3.9980 3.8447 3.7026 3.5706 3.4477 3.3329

35

4.7559 4.5411 4.3447 4.1644 3.9984 3.8450 3.7028 3.5708 3.4478 3.3330

36

4.7569 4.5419 4.3453 4.1649 3.9987 3.8452 3.7030 3.5709 3.4479 3.3331

37

4.7578 4.5426 4.3458 4.1652 3.9990 3.8454 3.7032 3.5710 3.4480 3.3331

38

4.7585 4.5431 4.3462 4.1655 3.9992 3.8456 3.7033 3.5711 3.4481 3.3332

39

4.7591 4.5435 4.3465 4.1657 3.9993 3.8457 3.7034 3.5712 3.4481 3.3332

40

4.7596 4.5439 4.3467 4.1659 3.9995 3.8458 3.7034 3.5712 3.4481 3.3332

41

4.7600 4.5441 4.3469 4.1661 3.9996 3.8459 3.7035 3.5713 3.4482 3.3333

42

4.7603 4.5444 4.3471 4.1662 3.9997 3.8459 3.7035 3.5713 3.4482 3.3333

43

4.7606 4.5446 4.3472 4.1663 3.9997 3.8460 3.7036 3.5713 3.4482 3.3333

44

4.7608 4.5447 4.3473 4.1663 3.9998 3.8460 3.7036 3.5714 3.4482 3.3333

45

4.7610 4.5449 4.3474 4.1664 3.9998 3.8460 3.7036 3.5714 3.4482 3.3333

46

4.7612 4.5450 4.3475 4.1665 3.9999 3.8461 3.7036 3.5714 3.4482 3.3333

47

4.7613 4.5451 4.3476 4.1665 3.9999 3.8461 3.7037 3.5714 3.4483 3.3333

48

4.7614 4.5451 4.3476 4.1665 3.9999 3.8461 3.7037 3.5714 3.4483 3.3333

49

4.7615 4.5452 4.3477 4.1666 3.9999 3.8461 3.7037 3.5714 3.4483 3.3333

50

4.7616 4.5452 4.3477 4.1666 3.9999 3.8461 3.7037 3.5714 3.4483 3.3333

FUTURE VALUE FACTOR FOR ANNUITY

Periods

1%

2%

3%

4%

1.0000

1.0000

1.0000

1.0000

1.0000

2.0100

2.0200

2.0300

2.0400

2.0500

3.0301

3.0604

3.0909

3.1216

3.1525

4.0604

4.1216

4.1836

4.2465

4.3101

5.1010

5.2040

5.3091

5.4163

5.5256

6.1520

6.3081

6.4684

6.6330

6.8019

7.2135

7.4343

7.6625

7.8983

8.1420

8.2857

8.5830

8.8923

9.2142

9.5491

9.3685

9.7546

10.1591

10.5828

11.0266

5%

10

10.4622

10.9497

11.4639

12.0061

12.5779

11

11.5668

12.1687

12.8078

13.4864

14.2068

12

12.6825

13.4121

14.1920

15.0258

15.9171

13

13.8093

14.6803

15.6178

16.6268

17.7130

14

14.9474

15.9739

17.0863

18.2919

19.5986

15

16.0969

17.2934

18.5989

20.0236

21.5786

16

17.2579

18.6393

20.1569

21.8245

23.6575

17

18.4304

20.0121

21.7616

23.6975

25.8404

18

19.6147

21.4123

23.4144

25.6454

28.1324

19

20.8109

22.8406

25.1169

27.6712

30.5390

20

22.0190

24.2974

26.8704

29.7781

33.0660

21

23.2392

25.7833

28.6765

31.9692

35.7193

22

24.4716

27.2990

30.5368

34.2480

38.5052

23

25.7163

28.8450

32.4529

36.6179

41.4305

24

26.9735

30.4219

34.4265

39.0826

44.5020

25

28.2432

32.0303

36.4593

41.6459

47.7271

26

29.5256

33.6709

38.5530

44.3117

51.1135

27

30.8209

35.3443

40.7096

47.0842

54.6691

28

32.1291

37.0512

42.9309

49.9676

58.4026

29

33.4504

38.7922

45.2189

52.9663

62.3227

30

34.7849

40.5681

47.5754

56.0849

66.4388

31

36.1327

42.3794

50.0027

59.3283

70.7608

32

37.4941

44.2270

52.5028

62.7015

75.2988

33

38.8690

46.1116

55.0778

66.2095

80.0638

34

40.2577

48.0338

57.7302

69.8579

85.0670

35

41.6603

49.9945

60.4621

73.6522

90.3203

36

43.0769

51.9944

63.2759

77.5983

95.8363

37

44.5076

54.0343

66.1742

81.7022

101.6281

38

45.9527

56.1149

69.1594

85.9703

107.7095

39

47.4123

58.2372

72.2342

90.4091

114.0950

40

48.8864

60.4020

75.4013

95.0255

120.7998

41

50.3752

62.6100

78.6633

99.8265

127.8398

42

51.8790

64.8622

82.0232

104.8196

135.2318

43

53.3978

67.1595

85.4839

110.0124

142.9933

44

54.9318

69.5027

89.0484

115.4129

151.1430

45

56.4811

71.8927

92.7199

121.0294

159.7002

46

58.0459

74.3306

96.5015

126.8706

168.6852

47

59.6263

76.8172

100.3965

132.9454

178.1194

48

61.2226

79.3535

104.4084

139.2632

188.0254

49

62.8348

81.9406

108.5406

145.8337

198.4267

50

64.4632

84.5794

112.7969

152.6671

209.3480

Periods

6%

7%

8%

9%

10%

1.0000

1.0000

1.0000

1.0000

1.0000

2.0600

2.0700

2.0800

2.0900

2.1000

3.1836

3.2149

3.2464

3.2781

3.3100

4.3746

4.4399

4.5061

4.5731

4.6410

5.6371

5.7507

5.8666

5.9847

6.1051

6.9753

7.1533

7.3359

7.5233

7.7156

8.3938

8.6540

8.9228

9.2004

9.4872

9.8975

10.2598

10.6366

11.0285

11.4359

11.4913

11.9780

12.4876

13.0210

13.5795

10

13.1808

13.8164

14.4866

15.1929

15.9374

11

14.9716

15.7836

16.6455

17.5603

18.5312

12

16.8699

17.8885

18.9771

20.1407

21.3843

13

18.8821

20.1406

21.4953

22.9534

24.5227

14

21.0151

22.5505

24.2149

26.0192

27.9750

15

23.2760

25.1290

27.1521

29.3609

31.7725

16

25.6725

27.8881

30.3243

33.0034

35.9497

17

28.2129

30.8402

33.7502

36.9737

40.5447

18

30.9057

33.9990

37.4502

41.3013

45.5992

19

33.7600

37.3790

41.4463

46.0185

51.1591

20

36.7856

40.9955

45.7620

51.1601

57.2750

21

39.9927

44.8652

50.4229

56.7645

64.0025

22

43.3923

49.0057

55.4568

62.8733

71.4027

23

46.9958

53.4361

60.8933

69.5319

79.5430

24

50.8156

58.1767

66.7648

76.7898

88.4973

25

54.8645

63.2490

73.1059

84.7009

98.3471

26

59.1564

68.6765

79.9544

93.3240

109.1818

27

63.7058

74.4838

87.3508

102.7231

121.0999

28

68.5281

80.6977

95.3388

112.9682

134.2099

29

73.6398

87.3465

103.9659

124.1354

148.6309

30

79.0582

94.4608

113.2832

136.3075

164.4940

31

84.8017

102.0730

123.3459

149.5752

181.9434

32

90.8898

110.2182

134.2135

164.0370

201.1378

33

97.3432

118.9334

145.9506

179.8003

222.2515

34

104.1838

128.2588

158.6267

196.9823

245.4767

35

111.4348

138.2369

172.3168

215.7108

271.0244

36

119.1209

148.9135

187.1021

236.1247

299.1268

37

127.2681

160.3374

203.0703

258.3759

330.0395

38

135.9042

172.5610

220.3159

282.6298

364.0434

39

145.0585

185.6403

238.9412

309.0665

401.4478

40

154.7620

199.6351

259.0565

337.8824

442.5926

41

165.0477

214.6096

280.7810

369.2919

487.8518

42

175.9505

230.6322

304.2435

403.5281

537.6370

43

187.5076

247.7765

329.5830

440.8457

592.4007

44

199.7580

266.1209

356.9496

481.5218

652.6408

45

212.7435

285.7493

386.5056

525.8587

718.9048

46

226.5081

306.7518

418.4261

574.1860

791.7953

47

241.0986

329.2244

452.9002

626.8628

871.9749

48

256.5645

353.2701

490.1322

684.2804

960.1723

49

272.9584

378.9990

530.3427

746.8656

1057.1896

50

290.3359

406.5289

573.7702

815.0836

1163.9085

Periods

11%

12%

13%

14%

15%

1.0000

1.0000

1.0000

1.0000

1.0000

2.1100

2.1200

2.1300

2.1400

2.1500

3.3421

3.3744

3.4069

3.4396

3.4725

4.7097

4.7793

4.8498

4.9211

4.9934

6.2278

6.3528

6.4803

6.6101

6.7424

7.9129

8.1152

8.3227

8.5355

8.7537

9.7833

10.0890

10.4047

10.7305

11.0668

11.8594

12.2997

12.7573

13.2328

13.7268

14.1640

14.7757

15.4157

16.0853

16.7858

10

16.7220

17.5487

18.4197

19.3373

20.3037

11

19.5614

20.6546

21.8143

23.0445

24.3493

12

22.7132

24.1331

25.6502

27.2707

29.0017

13

26.2116

28.0291

29.9847

32.0887

34.3519

14

30.0949

32.3926

34.8827

37.5811

40.5047

15

34.4054

37.2797

40.4175

43.8424

47.5804

16

39.1899

42.7533

46.6717

50.9804

55.7175

17

44.5008

48.8837

53.7391

59.1176

65.0751

18

50.3959

55.7497

61.7251

68.3941

75.8364

19

56.9395

63.4397

70.7494

78.9692

88.2118

20

64.2028

72.0524

80.9468

91.0249

102.4436

21

72.2651

81.6987

92.4699

104.7684

118.8101

22

81.2143

92.5026

105.4910

120.4360

137.6316

23

91.1479

104.6029

120.2048

138.2970

159.2764

24

102.1742

118.1552

136.8315

158.6586

184.1678

25

114.4133

133.3339

155.6196

181.8708

212.7930

26

127.9988

150.3339

176.8501

208.3327

245.7120

27

143.0786

169.3740

200.8406

238.4993

283.5688

28

159.8173

190.6989

227.9499

272.8892

327.1041

29

178.3972

214.5828

258.5834

312.0937

377.1697

30

199.0209

241.3327

293.1992

356.7868

434.7451

31

221.9132

271.2926

332.3151

407.7370

500.9569

32

247.3236

304.8477

376.5161

465.8202

577.1005

33

275.5292

342.4294

426.4632

532.0350

664.6655

34

306.8374

384.5210

482.9034

607.5199

765.3654

35

341.5896

431.6635

546.6808

693.5727

881.1702

36

380.1644

484.4631

618.7493

791.6729

1014.3457

37

422.9825

543.5987

700.1867

903.5071

1167.4975

38

470.5106

609.8305

792.2110

1030.9981

1343.6222

39

523.2667

684.0102

896.1984

1176.3378

1546.1655

40

581.8261

767.0914

1013.7042

1342.0251

1779.0903

41

646.8269

860.1424

1146.4858

1530.9086

2046.9539

42

718.9779

964.3595

1296.5289

1746.2358

2354.9969

43

799.0655

1081.0826

1466.0777

1991.7088

2709.2465

44

887.9627

1211.8125

1657.6678

2271.5481

3116.6334

45

986.6386

1358.2300

1874.1646

2590.5648

3585.1285

46

1096.1688

1522.2176

2118.8060

2954.2439

4123.8977

47

1217.7474

1705.8838

2395.2508

3368.8380

4743.4824

48

1352.6996

1911.5898

2707.6334

3841.4753

5456.0047

49

1502.4965

2141.9806

3060.6258

4380.2819

6275.4055

50

1668.7712

2400.0182

3459.5071

4994.5213

7217.7163

Periods

16%

17%

18%

19%

20%

1.0000

1.0000

1.0000

1.0000

1.0000

2.1600

2.1700

2.1800

2.190

2.2000

3.5056

3.5389

3.5724

3.6061

3.6400

5.0665

5.1405

5.2154

5.2913

5.3680

6.8771

7.0144

7.1542

7.2966

7.4416

8.9775

9.2068

9.4420

9.6830

9.9299

11.4139

11.7720

12.1415

12.5227

12.9159

14.2401

14.7733

15.3270

15.9020

16.4991

17.5185

18.2847

19.0859

19.9234

20.7989

10

21.3215

22.3931

23.5213

24.7089

25.9587

11

25.7329

27.1999

28.7551

30.4035

32.1504

12

30.8502

32.8239

34.9311

37.1802

39.5805

13

36.7862

39.4040

42.2187

45.2445

48.4966

14

43.6720

47.1027

50.8180

54.8409

59.1959

15

51.6595

56.1101

60.9653

66.2607

72.0351

16

60.9250

66.6488

72.9390

79.8502

87.4421

17

71.6730

78.9792

87.0680

96.0218

105.9306

18

84.1407

93.4056

103.7403

115.2659

128.1167

19

98.6032

110.2846

123.4135

138.1664

154.7400

20

115.3797

130.0329

146.6280

165.4180

186.6880

21

134.8405

153.1385

174.0210

197.8474

225.0256

22

157.4150

180.1721

206.3448

236.4385

271.0307

23

183.6014

211.8013

244.4868

282.3618

326.2369

24

213.9776

248.8076

289.4945

337.0105

392.4842

25

249.2140

292.1049

342.6035

402.0425

471.9811

26

290.0883

342.7627

405.2721

479.4306

567.3773

27

337.5024

402.0323

479.2211

571.5224

681.8528

28

392.5028

471.3778

566.4809

681.1116

819.2233

29

456.3032

552.5121

669.4475

811.5228

984.0680

30

530.3117

647.4391

790.9480

966.7122

1181.8816

31

616.1616

758.5038

934.3186

1151.3875

1419.2579

32

715.7475

888.4494

1103.4960

1371.1511

1704.1095

33

831.2671

1040.4858

1303.1253

1632.6698

2045.9314

34

965.2698

1218.3684

1538.6878

1943.8771

2456.1176

35

1120.7130

1426.4910

1816.6516

2314.2137

2948.3411

36

1301.0270

1669.9945

2144.6489

2754.9143

3539.0094

37

1510.1914

1954.8936

2531.6857

3279.3481

4247.8112

38

1752.8220

2288.2255

2988.3891

3903.4242

5098.3735

39

2034.2735

2678.2238

3527.2992

4646.0748

6119.0482

40

2360.7572

3134.5218

4163.2130

5529.8290

7343.8578

41

2739.4784

3668.3906

4913.5914

6581.4965

8813.6294

42

3178.7949

4293.0169

5799.0378

7832.9808

10577.3553

43

3688.4021

5023.8298

6843.8646

9322.2472

12693.8263

44

4279.5465

5878.8809

8076.7603

11094.4741

15233.5916

45

4965.2739

6879.2907

9531.5771

13203.4242

18281.3099

46

5760.7177

8049.7701

11248.2610

15713.0748

21938.5719

47

6683.4326

9419.2310

13273.9480

18699.5590

26327.2863

48

7753.7818

11021.5002

15664.2586

22253.4753

31593.7436

49

8995.3869

12896.1553

18484.8251

26482.6356

37913.4923

50

10435.6488

15089.5017

21813.0937

31515.3363

45497.1908

22%

23%

24%

25%

Periods

21%

1.0000

1.0000

1.0000

1.0000

1.0000

2.2100

2.2200

2.2300

2.2400

2.2500

3.6741

3.7084

3.7429

3.7776

3.8125

5.4457

5.5242

5.6038

5.6842

5.7656

7.5892

7.7396

7.8926

8.0484

8.2070

10.1830

10.4423

10.7079

10.9801

11.2588

13.3214

13.7396

14.1708

14.6153

15.0735

17.1189

17.7623

18.4300

19.1229

19.8419

21.7139

22.6700

23.6690

24.7125

25.8023

10

27.2738

28.6574

30.1128

31.6434

33.2529

11

34.0013

35.9620

38.0388

40.2379

42.5661

12

42.1416

44.8737

47.7877

50.8950

54.2077

13

51.9913

55.7459

59.7788

64.1097

68.7596

14

63.9095

69.0100

74.5280

80.4961

86.9495

15

78.3305

85.1922

92.6694

100.8151

109.6868

16

95.7799

104.9345

114.9834

126.0108

138.1085

17

116.8937

129.0201

142.4295

157.2534

173.6357

18

142.4413

158.4045

176.1883

195.9942

218.0446

19

173.3540

194.2535

217.7116

244.0328

273.5558

20

210.7584

237.9893

268.7853

303.6006

342.9447

21

256.0176

291.3469

331.6059

377.4648

429.6809

22

310.7813

356.4432

408.8753

469.0563

538.1011

23

377.0454

435.8607

503.9166

582.6298

673.6264

24

457.2249

532.7501

620.8174

723.4610

843.0329

25

554.2422

650.9551

764.6054

898.0916

1054.7912

26

671.6330

795.1653

941.4647

1114.6336

1319.4890

27

813.6759

971.1016

1159.0016

1383.1457

1650.3612

28

985.5479

1185.7440

1426.5719

1716.1007

2063.9515

29

1193.5129

1447.6077

1755.6835

2128.9648

2580.9394

30

1445.1507

1767.0813

2160.4907

2640.9164

3227.1743

31

1749.6323

2156.8392

2658.4036

3275.7363

4034.9678

32

2118.0551

2632.3439

3270.8364

4062.9130

5044.7098

33

2563.8467

3212.4595

4024.1287

5039.0122

6306.8872

34

3103.2545

3920.2006

4950.6783

6249.3751

7884.6091

35

3755.9379

4783.6447

6090.3344

7750.2251

9856.7613

36

4545.6848

5837.0466

7492.1113

9611.2791

12321.9516

37

5501.2787

7122.1968

9216.2969

11918.9861

15403.4396

38

6657.5472

8690.0801

11337.0451

14780.5428

19255.2994

39

8056.6321

10602.8978

13945.5655

18328.8731

24070.1243

40

9749.5248

12936.5353

17154.0456

22728.8026

30088.6554

41

11797.9250

15783.5730

21100.4761

28184.7152

37611.8192

42

14276.4893

19256.9591

25954.5856

34950.0469

47015.7740

43

17275.5521

23494.4901

31925.1403

43339.0581

58770.7175

44

20904.4180

28664.2779

39268.9225

53741.4321

73464.3969

45

25295.3458

34971.4191

48301.7747

66640.3758

91831.4962

46

30608.3684

42666.1312

59412.1829

82635.0660

114790.3702

47

37037.1257

52053.6801

73077.9850

102468.4818 143488.9627

48

44815.9221

63506.4897

89886.9215

127061.9174 179362.2034

49

54228.2658

77478.9175

110561.9135 157557.7776 224203.7543

50

65617.2016

94525.2793

135992.1536 195372.6442 280255.6929

Periods

26%

27%

28%

29%

30%

1.0000

1.0000

1.0000

1.0000

1.0000

2.2600

2.2700

2.2800

2.2900

2.3000

3.8476

3.8829

3.9184

3.9541

3.9900

5.8480

5.9313

6.0156

6.1008

6.1870

8.3684

8.5327

8.6999

8.8700

9.0431

11.5442

11.8366

12.1359

12.4423

12.7560

15.5458

16.0324

16.5339

17.0506

17.5828

20.5876

21.3612

22.1634

22.9953

23.8577

26.9404

28.1287

29.3692

30.6639

32.0150

10

34.9449

36.7235

38.5926

40.5564

42.6195

11

45.0306

47.6388

50.3985

53.3178

56.4053

12

57.7386

61.5013

65.5100

69.7800

74.3270

13

73.7506

79.1066

84.8529

91.0161

97.6250

14

93.9258

101.4654

109.6117

118.4108

127.9125

15

119.3465

129.8611

141.3029

153.7500

167.2863

16

151.3766

165.9236

181.8677

199.3374

218.4722

17

191.7345

211.7230

233.7907

258.1453

285.0139

18

242.5855

269.8882

300.2521

334.0074

371.5180

19

306.6577

343.7580

385.3227

431.8696

483.9734

20

387.3887

437.5726

494.2131

558.1118

630.1655

21

489.1098

556.7173

633.5927

720.9642

820.2151

22

617.2783

708.0309

811.9987

931.0438

1067.2796

23

778.7707

900.1993

1040.3583

1202.0465

1388.4635

24

982.2511

1144.2531

1332.6586

1551.6400

1806.0026

25

1238.6363

1454.2014

1706.8031

2002.6156

2348.8033

26

1561.6818

1847.8358

2185.7079

2584.3741

3054.4443

27

1968.7191

2347.7515

2798.7061

3334.8426

3971.7776

28

2481.5860

2982.6443

3583.3438

4302.9470

5164.3109

29

3127.7984

3788.9583

4587.6801

5551.8016

6714.6042

30

3942.0260

4812.9771

5873.2306

7162.8241

8729.9855

31

4967.9527

6113.4809

7518.7351

9241.0431

11349.9811

32

6260.6204

7765.1207

9624.9810

11921.9456

14755.9755

33

7889.3817

9862.7033

12320.9756

15380.3098

19183.7681

34

9941.6210

12526.6332

15771.8488

19841.5997

24939.8985

35

12527.4424

15909.8242

20188.9665

25596.6636

32422.8681

36

15785.5774

20206.4767

25842.8771

33020.6960

42150.7285

37

19890.8276

25663.2254

33079.8826

42597.6978

54796.9471

38

25063.4428

32593.2963

42343.2498

54952.0302

71237.0312

39

31580.9379

41394.4863

54200.3597

70889.1190

92609.1405

40

39792.9817

52571.9976

69377.4604

91447.9635

120392.8827

41

50140.1570

66767.4369

88804.1494

117968.8729 156511.7475

42

63177.5978

84795.6449

113670.3112 152180.8460 203466.2718

43

79604.7732

107691.4690 145498.9983 196314.2913 264507.1533

44

100303.0142 136769.1656 186239.7178 253246.4358 343860.2993

45

126382.7979 173697.8403 238387.8388 326688.9022 447019.3890

46

159243.3254 220597.2572 305137.4337 421429.6838 581126.2058

47

200647.5900 280159.5166 390576.9151 543645.2922 755465.0675

48

252816.9634 355803.5861 499939.4514 701303.4269 982105.5877

49

318550.3739 451871.5544 639923.4978 904682.4207 1276738.2640

50

401374.4711 573877.8741 819103.0771 1167041.3227 1659760.7433

COMPOUND FACTOR

1%

2%

3%

4%

5%

6%

7%

8%

9%

10%

11%

12%

1.010 1.020 1.030 1.040 1.050 1.060 1.070

1 0
0
0
0
0
0
0
1.0800 1.0900 1.1000 1.1100 1.1200
1.020 1.040 1.060 1.081 1.102 1.123 1.144
2 1
4
9
6
5
6
9
1.1664 1.1881 1.2100 1.2321 1.2544
1.030 1.061 1.092 1.124 1.157 1.191 1.225
3 3
2
7
9
6
0
0
1.2597 1.2950 1.3310 1.3676 1.4049
1.040 1.082 1.125 1.169 1.215 1.262 1.310
4 6
4
5
9
5
5
8
1.3605 1.4116 1.4641 1.5181 1.5735
1.051 1.104 1.159 1.216 1.276 1.338 1.402
5 0
1
3
7
3
2
6
1.4693 1.5386 1.6105 1.6851 1.7623
1.061 1.126 1.194 1.265 1.340 1.418 1.500
6 5
2
1
3
1
5
7
1.5869 1.6771 1.7716 1.8704 1.9738
1.072 1.148 1.229 1.315 1.407 1.503 1.605
7 1
7
9
9
1
6
8
1.7138 1.8280 1.9487 2.0762 2.2107
1.082 1.171 1.266 1.368 1.477 1.593 1.718
8 9
7
8
6
5
8
2
1.8509 1.9926 2.1436 2.3045 2.4760
1.093 1.195 1.304 1.423 1.551 1.689 1.838
9 7
1
8
3
3
5
5
1.9990 2.1719 2.3579 2.5580 2.7731
1.104 1.219 1.343 1.480 1.628 1.790 1.967
10 6
0
9
2
9
8
2
2.1589 2.3674 2.5937 2.8394 3.1058
1.115 1.243 1.384 1.539 1.710 1.898 2.104
11 7
4
2
5
3
3
9
2.3316 2.5804 2.8531 3.1518 3.4785
12 1.126 1.268 1.425 1.601 1.795 2.012 2.252 2.5182 2.8127 3.1384 3.4985 3.8960

1.138 1.293 1.468 1.665 1.885 2.132 2.409

13 1
6
5
1
6
9
8
2.7196 3.0658 3.4523 3.8833 4.3635
1.149 1.319 1.512 1.731 1.979 2.260 2.578
14 5
5
6
7
9
9
5
2.9372 3.3417 3.7975 4.3104 4.8871
1.161 1.345 1.558 1.800 2.078 2.396 2.759
15 0
9
0
9
9
6
0
3.1722 3.6425 4.1772 4.7846 5.4736
1.172 1.372 1.604 1.873 2.182 2.540 2.952
16 6
8
7
0
9
4
2
3.4259 3.9703 4.5950 5.3109 6.1304
1.184 1.400 1.652 1.947 2.292 2.692 3.158
17 3
2
8
9
0
8
8
3.7000 4.3276 5.0545 5.8951 6.8660
1.196 1.428 1.702 2.025 2.406 2.854 3.379
18 1
2
4
8
6
3
9
3.9960 4.7171 5.5599 6.5436 7.6900
1.208 1.456 1.753 2.106 2.527 3.025 3.616
19 1
8
5
8
0
6
5
4.3157 5.1417 6.1159 7.2633 8.6128
1.220 1.485 1.806 2.191 2.653 3.207 3.869
20 2
9
1
1
3
1
7
4.6610 5.6044 6.7275 8.0623 9.6463
1.232 1.515 1.860 2.278 2.786 3.399 4.140
10.803
21 4
7
3
8
0
6
6
5.0338 6.1088 7.4002 8.9492 8
1.244 1.546 1.916 2.369 2.925 3.603 4.430
12.100
22 7
0
1
9
3
5
4
5.4365 6.6586 8.1403 9.9336 3
1.257 1.576 1.973 2.464 3.071 3.819 4.740
11.026 13.552
23 2
9
6
7
5
7
5
5.8715 7.2579 8.9543 3
3
24 1.269 1.608 2.032 2.563 3.225 4.048 5.072 6.3412 7.9111 9.8497 12.239 15.178

1.282 1.640 2.093 2.665 3.386 4.291 5.427

10.834 13.585 17.000
25 4
6
8
8
4
9
4
6.8485 8.6231 7
5
1
1.295 1.673 2.156 2.772 3.555 4.549 5.807
11.918 15.079 19.040
26 3
4
6
5
7
4
4
7.3964 9.3992 2
9
1
1.308 1.706 2.221 2.883 3.733 4.822 6.213
10.245 13.110 16.738 21.324
27 2
9
3
4
5
3
9
7.9881 1
0
6
9
1.321 1.741 2.287 2.998 3.920 5.111 6.648
11.167 14.421 18.579 23.883
28 3
0
9
7
1
7
8
8.6271 1
0
9
9
1.334 1.775 2.356 3.118 4.116 5.418 7.114
12.172 15.863 20.623 26.749
29 5
8
6
7
1
4
3
9.3173 2
1
7
9
1.347 1.811 2.427 3.243 4.321 5.743 7.612 10.062 13.267 17.449 22.892 29.959
30 8
4
3
4
9
5
3
7
7
4
3
9
DISCOUNT FACTOR