1 Robinsonian Building Loan Interest Tables 1909 J.watts Robinson

ROBINSONIAN PUBLICATIONS.
ROBINSONIAN UNIVERSAL INTEREST TABLES.
SimpU Intereit at all ratn from li to 12 per cent, on the barf* jf 30 days to the
month, arranged both by "days"and by " months and days;" interst at all rat from
Sterling Exchange Tables i Averag.
to
a
10 per cent, on the basis of 365 days to the year
ing Accounts ; Fractional Discounts, &c. The most complete book of the kind extant,
Indexed. 7th edition. Price fj.oo,
and more extensively used than any other.
(liTing
ROBINSONIAN s, 6, 7 and 8 PER CENT. INTEREST BOOK.

A comparatively new book but aheady in its ad edition. Gives interest on
360 daya
and at all other rates very quickty. Also gives Interest

on Daily Balances on any amount from $1 to $io,ooo,ocx>, at any half per cent, rate from i
to 5 per cent. Preferred by many to the Universal Interest Tables.
basis at these rates immediately,
Indexed.
Price $5.00.
ROBINSONIAN INTEREST ON DAILY BALANCES.
Giving on 365 days basis, the Interest for one day on any amount from $1 to fioOjOOo,aoo,
at I , if, li, a, 2i, 2i, 2j, 3, 3i, 4, 4i, S. sl ""d 6 P*"^ "="' ' > glance. This book has no
*3-oo.
equal.
I^"
ROBINSONIAN
PER CENT. INTEREST BOOK.
"
"
>
<
I
For parties using one of these rates genetally, and other rates occasionally, these are the
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is
arranged
for Averaein^ Accounts in
Each
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handiest and reaSiest books
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ROBINSONIAN STERLING EXCHANGE TABLES.
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4 per cent, sinking fund basis, and a great variety of ComPrice fc.oo.
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Bond Values on
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ROBINSONIAN MULTIPLICATION AND DIVISION TABLES.Giving Multiples of
all
eighths and s&teenths.
numbers from i to 1000, by all from

Every page indexed by side tags.
to 100,
and by
all
the quarters,
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ROBINSONIAN UNIQUE CALCULATOR.
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with additions and improved form.
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ROBINSONIAN BUILDING LOAN INTEREST TABLES.Indispensable for Building and
Loan
Associations.
Price fs-oo.
SAVINGS BANK INTEREST
TABLES, at 3 and ji per cent, on every dollar

to $1,000, one for both 3 and 6 months, and another for 1, 2, 3,4,5 and 6 months
the 3J per cent. 3 and 6 months table is continued up to f 1600 for 6 months. Another
table at 3 J per cent, for 6 months on every dollar up to it6oa. These are the best arranged
All are on thick cardboard.
tables extant for Savings Banks.
from$i
And
other books too numerous to mention here.
For
sale
by
J.
WATTS ROBINSON,
Author and Publisher.
Brooklinb, Mass.
Cornell University Library
HG
1636.R6S2
Robinsonian building-loan Interest table
3 1924 014 053 775
Cornell University
Library
The
tine
original of
tiiis
book
is in
Cornell University Library.
There are no known copyright
restrictions in
the United States on the use of the
text.
http://www.archive.org/details/cu31924014053775
ROBINSONIAN
Building -Loan Interest Tables.
COMPLETE REFERENCE BOOK

FOR THE USE OF
BunniKii-Uiiiii
m u-mm
omiK
AND OTHER
ACCOUNTANTS AND AGENTS.
AUTHOR AND PUBLIaHER OF
"-
R OBINSONIANUNIVERSAL INTEREST TABLES,

BUILDING-LOAN INTEREST TABLES,
BONO AND INVESTMENT TABLES,
MULTIPLICATION AND DIVISION TABLES,
INTEREST ON DAILY BALANCES,
INTEREST AND MATURITY TABLES.
6 PER CENT. INTEREST BOOK,
WITHDRAWAL VALUES,
RATES EARNED, &c.
6th EDITIOir-WITH
JFor sale by Booksellers
J.
and
SUPPLEMENT.
Stationers,
and by
Watts Robinson, Author and Publisher,

BROOKLXITE, MASS.
Copyright,
909, by J. Watti Roblnion.
A supplement embracing between 50 and 60 new pages of valuable Tables has

been incorporated into this edition whilst a few Tables, which have been rendered unnecessary by these additions, have been eliminated.
:
The Tables which have been annexed are Nos. 23, 25, 26, 27, 28 and 29;
each giving, up to 200 months, and at aii rates from 5 to 16% per annum, the
monthly values of $ 1.00 paid either at the
first
or last of each month.
These
new Tables, in connection with the Maturity Key-Table, enable us when we

know either three of the four functions of a share, viz rate, PAYMENT, TIME,
or PAR VALUE OF SHARE, to easily find the other.
:
The
following
No. 23
new
tables give the monthly values of
for
payments
25
"
"
"
26
"
27
"
"
"
28
"
"
"
"
'
29
at
<l
$ 1:00 paid each month

end of month, with semi-annual compound.
"
"
"
"
"
g|.5t
" first "

" end "
" first "
" end "
No. 23
is
"
"
monthly
"
quarterly
"
"
"
"
"
carried
up to 21%.
Another new table. No. 24, gives the semi-annual values of $ 1.00 paid at the
end of each half-year, at all rates from 2% to 21% and up to 25 years; and when
there is no interest on payments between rests, the semi-annual values of the
payments will equal the amounts in the table multiplied by the sum of the payments during the term.
These tables
are'
the very best form of Maturity-Table, giving, not only the time
takes a $ 100 share to mature, but the monthly, quarterly and semi-annual
values of the payments at any time during the life of the share, and upon any
it
basis of
compounding
interest.
(^
I^WIZ

ROBINSONDAN BUILD|NC-LOAN INTEREST TABLES.
INDEX TO TABLES, ETC.
Useful Bulbs and Information.

Q. Division Key-Table. For finding
rate earned by a loan, etc.
Amount of $1. For finding what any sum of money amounts to
No.
1st.
tlie
1.
at
No.
2,
any
compounded monthly, up to
rate of interest,
160 months.
Amount of $1 per Month, etc. For finding what any sum paid
each month, etc., amounts
com;pounded monthly.
to,
up to
160 months, with interest
Pbbsent 'Worth of $1. For finding the present worth of any sum due at any future
time.
Pbebbnt
Worth op $1 each Month, etc. For finding the present worth of any sum
due each month, etc.
No,
SniEiHG Fund. Invested of each year, or period.
No. 6. Forftading the payment, made at the end of each year,
which will at last pay..
No.
3.
No.
4.
6.
first
etc.,
ment, pay a debt now due and its interest.

No. 7.
Frbsbnt Worth and True Discount in the Year.
No. la.
Perfect Maturity Tables.
Maturity of Instalment Stock, with payments from 20
cents to $10.00 and rates from
to 30^, including 10.2 and 13.2^.
No. 76.
Supplement to No. 7o, for payment at end of month.
No. 8.
SiNEiNa Fund.
Inveatedat end of year, or period.
No. 8o.
MATDBrre of Prepaid Stook.
Pre-paymentsfrom {25.00 to $80.00, and rates same
as next above.
No. 30.
and
Ajcount of $1.00 Paid each Week, with interest compounded Semiâimually
Maturity Key-Table.
No.
9.
Equivalent Monthly
in
same
and Prepaid Payments, that will mature
time.
Equal Monthly Payments, made at the end of each month, that

will pay up a $100 loan at
10 or 12% per annum.
Same,
when interest on the loan
payable monthly in advance,
of each month.
and payments are at the
No. 14. Same, when interest on the loan
payable monthly in advance,
with payments at end of the month.
Equal Monthly Payments, made at the beginning of the month,
No.
No.
12.
No.
13.
6, 8,
is
first
is
15.
that will, at any rate from 1% to 25% per annum, interest compounded annually, pay a loan of Slflio in from 1 to 25 years.
No.
Monthly Sinking Fund, that will pay up quarterly, semi-annual,

or annual dividends and expense also Amount of $1 paid either
16.
at the first or last of the month for

earning rate from 3% to 60%.
and
12
months, at any
Division of Profits.
Present Worth, at monthly Compound, of
No.
No.
17.
No.
No.
18a.
18.
3,
$1.00 due at the end

of each half-year, showing what portion of the pre-payment is
off
quarterly,
semi-annual,
or annual divipay
to
required
dends and expense.
The Same as No. 18, but with interest compounded semi-annually.

19. Comparative Interest Table, showing what $1.00 amounts to in
any number of years up to 15, at Simple interest, and at monthly
and annual compound.
Comparative Interest Table, showing what $1.00 paid each
month amounts to in any number of years up to 15, at simple interest, and at monthly, quarterly, semi-annual and annual comquarterly, semi-annual
No.
19a.
pound.
Withdrawal Values, at any rate of Simple interest allowed,

and at any time from 1 to 150 months.
No. 21. Kates earned by a loan, and actual rates paid by a borrower in
No.
20.
a Building-Loan Association, when the loan is paid up in a

given time by equal monthly payments.
No. 22.
For finding the payment, made at the end of each month, etc.,
which will at last payment, pay a debt now due and its interest.
Table A. Maturity Key-Table.
For finding either the Payment, par
value of Share, Earning Rate, or Time

the other three.
to
maturity,
when we know
USEFUL RULES AND INFORMATION.

In tables 1, 2, 3, 4, 5 and 22, the term " Yeabs " in the heading may be
changed into "half-years," '' quarters," " months," or periods of any other
duration; but, when so changed, the rates over the other columns will be
the rates for half-years, quarters, months, &c., respectively, and the numbers in the column ''Tears" will represent so many half-years, quarters,
months, Ac, instead of years. By doing this, we are enabled, with the
same tables, to compound our interest either semi-annually, quarterly or
monthly, as well as annually.
Remabk. Any values whatever maybe substituted for the letters m, n,

i,&c., used in the following explanation
these letters being used here
simply to shorten and simplify the explanation.
nONTHLY COMPOUND INTEREST RULES.

m
1.
The amount of dollars for n months is equal to the amount of $1
for n months multiplied by
and the amount of $1 for n months is taken
directly from table No. 1.
2.
that
and
1.01
The amount of $1 for n months, at i % per month, is equal to ( 1-f-i ),

this amount is used as a factor n times.
Thus, if n be equal to 5
to .01, then ( 1+i )" will be equal to 1.01 X 1.01 X 1.01 X 1.01 X
is,
= 1.05101.
The amount of $1 paid at the beginning of each month for m months

taken from table No. 2 opposite m months and under the monthly rate.
4.
The amount of $1 paid at the end of each month for months is
equal to the amount of $1 paid at the beginning of each month for one less
than m months, plus $1.
5.
The amount of $1 paid at the beginning of each month for -f- n
months is equal to the product of the amount of $1 so paid for
months
by the amount of a single dollar for n months, plus the amount of $1 paid
at the beginning of each month for n months.
Thus, let m
100, n 60,
and the rate 10%, and we have the amount of $1 paid each month for 160
$1.64531
months
$156,458 X
$335.50.
-f $78,082
6.
The amount of $1 paid at the end of each month for m-f-n months
is equal to the product of the amount of $1 so paid for m months by the
amount of a single dollar for n months, plus the amount of $1 paid at the
end of each month for n months.
The Present Worth of $1 due at the end of any number of months less
7.
than 100 is taken directly from table No. 3.
8. The present worth of $1 due at the end of
-f- n months is equal to
the present worth of $1 due at the end of m months multiplied by the presof
at
the
end
of
months.
Thus
let m be 100 and n 90,
ent worth
n
$1 due
and the rate 6%, and you get the present worth of $1 due at the end of 190
3.
is
months
= .607287 X .6.38344 = .38766.
present worth of $1 due at the end of each month form

n
months is equal to the product of the present worth of $1 so due each
month for m months by the present worth of a single dollar due at the end
of n months, plus th present worth of $1 due at the end of each month
for n months.
The monthly Sinking Fund required to pay up as they come due, or
10.
offset, either annual, semi-annual or quarterly dividends on prepaid shares,
and any expense so charged to these shares, is foimd by consulting table
9.
No.
The
16.

The Present Worth
(at date of issue of prepaid shares) of dividends

to be periodically paid to such shares, is found by consulting tables 18 and
18a
depending upon whether interest is compounded monthly or semi11.
annually.
12.
Rule for finding what eqtjai. monthly patmknt
number of months, pay up a loan and its interest.
will, in
a given
GxiTEBAl. Kttle.
Find what the loan amonnts to, in the given time
and at the given rate, with interest compounded on the basis prescribed for
the loan; and also find what $1.00 paid each month (at first or last of
month, as the case may be) amounts to on the basis of compounding prescribed for the payments
then divide the former by the latter, and the
quotient will be the monthly payment that will pay up the loan and its
interest in the given time. There are several cases, depending upon whether
payments are at the first or last of the month, and also whether interest on
the loan is due at the first or last of the mouth,
(Remabe. When interest on the loan is payable at the last of each
month, the sum the loan amounts to is that found in table Ko. 1 under the
given rate and opposite the number of months. But, when interest on
the loan is payable monthly in advance, then the loan will amount to $100
plus what one month's interest paid monthly in advance amounts to in the
given time. Thus, a $100 loan, on which interest at 1% per month is
payable monthly in advance for 96 months, amounts to $100.00 -\- $161.63;
this latter amount being what the $1,00 interest due the first of each
month for 96 months amounts to.
When payments and interest on the loan are both due at

case, pay up a
Example. What equal monthly payment
in
$100 loan and
interest at 10% per annum in 96 months
Solution. The monthly interest on loan
.833; and, as $1.00 each
Case
1st.
the first of the month.
will,
its
this
1
is
month for 96 months amounts
to $147.40, then .838 each month will amount

to the $100 loaned, gives $222.83 to be divided by
to $122.83, which, added

$147.40; giving as a quotient $1.5118 as the required monthly payment.
When payments and interest on the loan are both payable at

Case 2d.
the end of the month,
What equal monthly payment will, in this case, pay up a
Example.
$100 loan and its interest at 12% per annum in 84 months ?
Solution.
find from table No. 1 that the loan amounts in 84 months
to $230,672; and from table No. 2 that $1.00 due at the end of each month
for 84 months amounts to $130,672. Hence $230.672-5-$130.672=$1.7653,
which is the required monthly payment in this case.
Wo
Payments at end of month, but interest on loan due monthly

Example. What equal monthly payment
in this case, pay up a
interest at 6% per annum in 132 mouths?
$100 loan and
which, being due the
Solution. Monthly intprest on loan
of
Case
3d.
in advance.
will,
its
is .50,
first
each month, amounts in 132 months to $93,627; which added to the $100
loaned, gives $193,627 as the sum the loan amounts to in 132 months.
Then $1.00 at the end of each month for 132 months at 6% amounts to
Hence $193.627-f-186.323=$1.0392, which is the required
$186,323.
monthly payment.
To find what part of the monthly payment will pay the principal
Divide the amount loaned by what $1.00 (paid each month at same time
in month that payments are made) amounts to in the time it takes the payments to pay it up, and the quotient will be the required part.
Simple Interest Rules.

'If payments are other than $1 in either of these following cases,
multiply the results found as described by one of the payment*.
1.
months amounts to $1 plus (m
$1 placed at simple interest for
multiplied by the monthly rate.) Thus $1 for 80 months at .06% per annum,
or .005% per month, amounts to $1
80 X .005%
$1.40.
At simple
2.
interest,
the amoimt, at the end of the last month, of $1
month for any number of months up to 150, may

be taken directly from table No. 20 on a line with the number of months
and under the annual rate. Thus, the amount of $1 so paid each month
for 120 months, at 8% per annum, is $167.60.
(For more than 150 months
add to m dollars one-half of the continued product of
say m months
(m
Thus, for 200 months, at 6%
1 ) X m X 1 month's interest on $1.
per annum, we have $200
$299.50).
i ( 199 X 200 X .005%)
paid at the end of each
The amount,
month, of $1 placed at simple interest

at the first of each month for m months, is $1 less than the amount found
in table No. 20 opposite m
1 months and under the annual rate.
Thus,
$1 paid the first of each month for 120 months, at 6% per annum simple
interest, amounts to $157.30 (on line of 121 months and under 6%) less $1,
viz. : $156.30.
(For more than 150 months, substitute (m
1) for (m
1)
in the continued product in paragraph above, and then find the result in
the same way. Thus, for 200 months, we would have $200
200
i (201 X
X .005%) $300.50 as the amount).
3.
at the
end of
last
+
+
Pbbpaid Dues.
When instalments are due at the first of the
month the amount (at the time one of them is due and paid) to be advanced by a shareholder who desires to prepay a number of his other instalments, is found by deducting from twice as many dollars as there are
4.
instalments to be prepaid, the amount, less $1, found in table Ko. 20 opposite one more than the number of months to be prepaid, and under the annual rate of discount allowed ; then multiplying the remainder by one
of the payments.
Thus, to prepay eleven 60 cent instalments, at 6%. Following the rule, we have $22
$11.33
10.67, which multiplied by 60
cents gives $6.40 as the amount to be prepaid.
due at the end of the month, and it is desired, at

any month to prepay a number of them, the amount required to
do so will be found by deducting from twice as many dollars as there are
instalments to be prepaid, the amount, less $1, in table No. 20 found opposite one more than the number of months for which prepayment is made
and also under the annual rate of discoimt allowed him; then multiplying
the remainder by one of the payments. Thus, in this case, to prepay, at
the beginning of the year, at 6%, 12 instalments of 50 cents each, we have
$12.39
$11.61, which multiplied by 50 cents, gives t5.60i as the
$24
amount to be prepaid.
If instalments are
6.
the
first
of
Explanation of Maturity Key-Table.

Find, in the heading of this Key-Table, the par value of the share that is to be
matured, and, in the centre column, the payment. Note the amount at the in-
column and line passing through these two then look in Table
No. 2, 6, 23, 24, 25, 26, 27, 28 or 29, (whichever corresponds with your plan of
compounding interest,) and under the earning rate, for this amount (or its nearest approximation,) and it will be on a line with the time it takes the payment to
tersection of the
mature the share.

Thus, to find when a 75 cent monthly payment at first of the month will mature
a $ 125 share at an earning rate of 9% per annum, interest heing compounded
monthly : We find in the Key-Table under <(125 and opposite to 75 cents the
amount 166.67. Now, using either Table No. 2 or 26 (the proper tables to use
in this case) and looking down the 9-12% column of No.2, or the 9% column of
No. 26, we find 166.72 (the nearest approximation to 166.67) opposite 108
months, which is the time it takes the share to mature. The same rule applies
for all payments, all shares, and all earning rates.
To find what Share will be matured by a given payment in a given time,

Take from the proper table (either of those above named) the
amount under the given rate and opposite the given timethen look in the Key2d.
at a given rate
Table, opposite the given payment, for this amount ( or its nearest approximation) and it vnll be found in the column of the required Share. Thus, what
share will be matured in 6 J years (81 months) by a monthly payment at end of
month of $ 1.00, if the earning rate be 6% per annum, and interest be compounded quarterly f Using Table No, 29 we find under 6% and opposite 81 months
99.95. Looking in the Key-Table opposite $ 1.00 we find $ 100 (the nearest
approximation) under the $ 100 share hence the par value of the share that will
:
be matured
is
$ 100.
3d. W?Mt monthly payment at end of month

years if the earning rate be
will mature a $200 share in 11

12%, and interest be compounded Semi- Annually ?
Opposite 132 months and under 12% in Table 23 (the proper table,) we find
266.86 then looking in the Key-Table, under the $ 200 share, we find 266.67
(nearest approximation to 266.86) to be 75 cents which is the payment that will
mature the share.
What
rate will be required for a 10 cent weekly payment to mature a

in 10 years interest compounded Semi-AnmtaUy ? Using the KeyTable under the $ 75 share and opposite lOc, we find 750.00 then looking in
Table, No. 6 (the proper one) opposite ten years we find the nearest approximation to 750.00 to be 748.63, which falls under
hence
is the earning
rate which will be required for a weekly payment of 10 c. to mature a 3 75 share
in 10 years.
(A 25 cent weekly payment will mature a $250 share in the same
time at a little more than 12%.)
4th.
$ 75 share
7%
7%
Key-Table may be used with equal facility for finding immtdiately

above-mentioned functions of a share, whether payments be monthor weekly, and either at first or last of the month, and whether interest be
Thus
this
either of the
ly
compounded monthly,
ments in
electric t)0wer
thus
quarterly, or semi-annually
this direction that
may
ever be demanded.
of Building Loan computations.
In
filling all
the require"
fact, it constitutes
the

ROBINSONIAN COMPLEX IITTEEEST SIMPLIFIED.
GENERAL HBMABir in this table, the rates of interest, as they

appear at the heads of the columns, may be regarded as either annual,
semi-ann'ual, qua/rterly, monthly, or even weekly; provided the numbers
in column headed " YEA.KS " be taken accordingly; that is, as so many
Moreover, the
years, half-nears, quarters, montht, or weeks, respectively.
amounts given in the table being always for $1, the result for any other
sum is obtained by simply multiplying the amounts in the table by the
given snm.
TABLE
NO.
1.
For finding what any sum of money will amount to in

any number of years, or half-years, &c., the interest being
compounded annually, or semi-annually, &c., respectively,
as required, at any of the rates given in the table.
EuLK. Take from the table the amount found in the proper rate column
and opposite the given number of years, or half-years, ^c, and multiply it
by the given sum. The product will be the required amount.
EXAMPLES.
What will $ 356 amount
to if placed at compound interest for

37 years at 5i per cent, per annum?
On page 12, in 5i per cent, column and opposite 27, we find 4.24440,
1.
which is the sum that $1 will amount to for the given time and rate.
Multiplying this sum by the 356 dollars, we have 1511.00640, or $1511.01
as the required amount.
2.
^What will $ 150 amount to at compound interest for lOJ years
(31 half-years) at a semi-annual rate of 2^ per cent.?
On page 10, opposite 81 and in 2J per cent, column, we find 1.67958,
which is the sum that $ 1 will amount to in 21 half-years at 2i per cent,

compounded semi-annually. Multiplying it by 150 gives $251.93 and 7
mills as the amount required.
3.
What will $ 1 amount to in 10 years
ing compounded quarterly at
On page 8,
result, viz
in 1 per cent,
( 40 quarters
per cent, per quarter?
column opposite
1.48886, or, practically, $ 1.49.
40,
we
interest be-
find the required
TA.1
Jnterett
Oompounded annually /m
Interest
Oompounded annually /or
Interest
Compounded annu
Interest
Oompounded annu
TABIiE
Interest CotHpounded annttally for 150
TABIjS
Interest
Compounded annually for 150
Jnteretl
Compounded ann
TASBUE
Jntereet
TVO. 1.Continued.
Compounded annually for 100 years; semi-annually 50 years;

and 7nonthlyfor 8 years and 4 inmiihs.
Amonnt
of
$1
for
any time from
1 to
quarterly IS years;
100 Tears,
rcA
TABIiE
Interest
Compounded annually for 100
Interest
Compounded
TABLE
Interest
Compounded annually for

BOBINSONIAN COMPLEX INTEBEST SIMPLIFIED.
GEBEKAIi KEUABE. In this table, the rates of interest, as they

semi-annual, quarterly, monthly, or even weekly; provided th numbers
in column headed " ykars " be taken accordingly; that is, aa bo many
years, half-years, quarters, months, or weeks, respectively. Moreover, the
given sum.
rCJSJBJJE
NO.
s.
For finding what any sum of money deposited at the beginning of each year, or of each half-year, -vrill amount to in
as required, at any of the rates given in the table.
Take from the taMe the amount found in the proper rate column
number of years, or half-years, ^c, and multiply it
ty the given sum. The product will be the required amount.
Bui/E.
and
opposite the given
EXAMPLES.
What will $52 deposited, or paid, at the beginning of each year

for 50 years amount to at
end of the 50 yearsinterest being com1.
tlie
pounded annually at the rate of 5^ per cent, per annum ?

On page 22, in 5J per cent, column and opposite 60, we find 259.75944,
which multiplied by $ 52, and dropping superfluous decimals, gives us
$13,507.49 as the required amount.
2.
^What will $300 deposited at the beginning of each half-year for
43 half-years ( 21^ years, ) amount to at end of the last half-year interest being compounded half-yearly at a semi-annual rate of 2} per ct.f
On page 20, in 2} per cent, column and opposite 43, we find 82.60504,
hence
we have
82.60504x300=24781.51200, or $24,781.51 as the amount.
3.
What will $ 1 deposited at the beginning of each month for 36
months amount to at the end of the 36 months ^the interest being compounded monthly at the rate of i per cent, per mouth?
On page 16, in i per cent, column and opposite 36, we find 39.53279,
or $39.53, the amount of $ 1 for the time and rate given.
Interest Con
Interest
Compounded annt
Interest
Compownded anni
TA
Interest
Compounded annt
Interest
Compounded annually j
Interest
Compounded an
R0BIirS0MA5 COMPLEX INTEREST SIMPLIFIED.
BOND VALUES.
When
a bond
bought as an investment, its Present Worth,

computed, supposes the interest received
from it to be re-invested at the same rate as that of the proposed
investment of the purchase money.
like supposition is'made
here in using tables Nos. 3 and 4 for the same purpose, and, conis
or Value, as usually
sequently, the
same
results are obtained.
The Present Worth of a Bond is made up of two items, viz

The present worth of the maturity value of the bond and
2.
The present worth of all its instalments of interest.
The first is found by using table No. 8, as there explained; and the
second, by using table No. 4 both at the same rate as that of the proposed investment, and for the number of years (or half-years) the bond
has to run. (See Ginxiial Bemabk on next page.)
;
1.
What
EXAMPLES.
(as a 6 per cent, per annum investment)

of a $100 six per cent, bond, paying interest annuaUy, and having 30
years to run ?
1.
is
the present worth
By table No. 3, we find the present worth of $100 due in

30 years, interest compounded at 5 per cent, per annum, to be
By table No. 4, we find the present worth of $6 (the interest)
due at the end of each year, to be
Adding the two items we have
What
the present worth
$23.14
92.28
$115.37
the present worth of a $1,000 four per cent, bond, interest payable semi-annually, and having 66 half-years to run, that will yield
2.
is
a 3 per cent, semi-annual rate on the investment.
By table No,
8, we find the present worth of $1,000 due at the

half-years, at a semi-anmial rate of 8 per cent, to be . $191 .04
By table No. 4, we find the present worth of $20 (the semiannual interest) due at the end of each half-year for 66 halfyears (opposite 66, see General Bemark) at 8 per cent, semiannually, as before, to be
639 . 31
end of 56
Adding the two we
find the present
worth of the bond
$730.36
What must
be paid for a $60 seven per cent, bond, paying interest

semi-annually, and having 20 half-years to run, so as to realize semi3.
annually 2J per cent, on the investment 7

By table No. 3, the present worth of $50 due at the end of 20
half-years, at a semi-annual rate of 2^ per cent, is found to be
By table No. 4, we find the present worth of $1.76 (the semiannual interest) due at the end of each half-year for 20 half-years,
at a semi-annual rate of 2 J per cent., to be
.
Hence, the Present
Worth
of the bond
is
$30.51
27.28
$57 79
.

BOBUrSONIAir
COMPLEX EVTEEEST SIMPLIFIED.
GENERAL KEKABE.In this table, the rates of interest, as they

semi-annual, quarterly, monthly, or even weekly; provided the numbers
in column headed "years " be taken accordingly; that is, as so many
years, half-years, quarters, mMiths, or weeks, respectively. Moreover, the
given sum.
TAJBTJEi
NO.
3.
For finding the Present Worth of a sum of money due in

as required, at any of the rates given in the t^ble.
Buxx. Take from the tahle the amount found in the proper rate column
and opposite the given number of years, or half-years, ê., and multiply it
hy the given sum. The product will it the present worth required.
EXAMPLES.
1.
What is the present worth of $ 233 due in 37 yearsinterest com-
pounded annually at 4 per cent, per annum f

On page 32, in 4 per cent, column opposite 37, is .234297, the present
-worth of $ 1 for the time and rate; which being multiplied by 233 gives
us $ 54.59 as the present worth, for the time and rate given, of $ 233.
2.
What is the present worth of $1000 due in 80 half-years interest
being compounded half-yearly at a semi-annual rate of 2jt per cent.?
On page 31, in 2i per cent, column and opposite 80, we find .168630,
which is the present worth of $ 1 under the conditions given, and multiplying this by 1000 gives $ 168.63 as the present worth of the $ 1000.
3.
terest
What is the present worth of $500 due in 60 quarter yearsincompounded
On page 29, in
quarterly at 1 per cent, per quarter ?
1 per cent,
column opposite 60, we find .550450, which

is worth 500 times that amount,
the present worth of $1; hence $500

or $ 275.22 and 5 mills.
is
Interest Cbmjtounded
annwMuJor
Ivtereit
Compounded anmi
TAJBI^S: NO. 3.C'-ntinu.ed.

Interest
OompoundeicmnuaUy for 100 years; semi-annually 50 yeart;

and monthly for 8 years arid 4 months.
Present Worth of $1 for any time from
M%
Ho
quarterly tS years/
100 Years, at
InUrut Compounded ann
InUrett Compounded annt
XAJBUIS NO- 3.Oontmued.

Interest
Oompounded annuaUy/or 100 years; semi-annually 50 years; qvarterly SS years;

and monthly for 8 yea/rs and 4 months.
Present Worth of $1 for any time from
to
100 Years, at
Interat
Oompmmdti nnt

ROBINSOMAir COMPLEX INTEREST SIMPLIFIED.
OENERAIi WKMARg. la this table, the rates of interest, as they

in column headed *' years" be taken accordingly; that is, as so many
yean, half-yean, quarters, tnonths or weeks, respectively. Moreover, the
amounts given in the table being always for $ 1, the result for any other
sum is obtained by simply multiplying the amount in the table by the
given sum.
TAJBLE NO.
4.
For finding the Present Worth of any sum due at the

end of ectch year, ( or half-year, &c.,) for a given number of
years, ( or half-years, &c.,) ^the interest being compounded
annually, ( or semi-annually, &c., respectively, as required,)

at either of the rates given in the table.
BULE.
and
Take from the
opposite the given
by the given sum.

1.
table the
number of
amount found in
the proper
years, or half-years,
ratecolumn
^c, and multiply
it
Theproduct will be the present worth required
What ihe present worth of $ 1450 due at the end of each year
interest compounded annually at 10 per cent, per annumf
is
for 45 years
On page 43,
in 10 per cent, column opposite 45,
we find 9.86281, which
the present worth of $ 1 due at the end of each year for 45 years, at
the given rate. Multiplying this amount by 1450 we have ( by dropping superfluous decimals ) $ 14,301.07 as the present worth of $ 1450.
is
1.
What is file present worth of $230 due at the end of each halfyear for 14 half-years interest to be compounded half-yearly at a semiannual rate of 3 per cent t
On page 40, in 3 per cent, column and opposite 14, we find 11.29607,
the present worth of $ 1 for the time and rate given. The present worth
of $230 will, of course, be 230 times as much, viz: $2598.10.
3.
^What iathe present worth of $1 deposited at end of each month
for7 years, ( 84 months,) interest being compounded monthly at i per
cent, per month ?
On page 37, in ^ per cent, column opposite 84, we find 68.45304, or

dropping superfluous decimals,) $ 68.45 as the present worth of the 84
dollars which will be deposited by the end of the 7 years.
(
TA-BIuiS No.
4.
Intereit
Cbrnpounded annualli/for
Jnterect
Oimipounded
anm
^:^
T.AJ
Interest
Compounded annu
TJ
T-A

_-
InUrett CoTnpounded onnt

BOBUrSONIAN COMPLEX INTEREST SIMPLIFIED.
GENERAL BRIffATtK. In this table, the rates of interest, as they

aemi-anmuil, quarterly, monthly, or even weekly; provided the numbers
in column headed "years" be taken accordingly; that is, as so many
yeart, half-êari, quarters, months or weeks, respectively. Moreover, the
amounts given in the table being always for $ 1, the resnlt for any other
sum is obtained by simply multiplying the amount in tlie table by the
given sum.
TABLE
NO. 5.
For finding what Sinking Fund, or sum paid at beginning

of each year, ( or half-year, &c.,) for a given number of years,
(or half-years, &c., respectively,) will at end of last year, &c.,
pay a debt then due the interest being compounded annually, or semi-annually, &c., respectively, as required, at any
of the rates given in the table.
BuLE. Take from the table the amount found in the proper rate column
and opposite the given number of years, or half-years, ^c, and multiply it
by the given sum.
The product
will be the required sum, or sinking fund.
EXAMPLES.
What sinking fund, or sum
deposited at the beginning of each

year, for 50 years, will amount to $ 1000 at the end of the 50 years intterest compounded annually at 5 per cent, per annum f
On page 48, in 5 per cent, column opposite 80, we find .004549, which
1.
is
the
sum that,
if so deposited, will, in the
hence 1000 times this sum,

be used as a sinking fund.
viz: $4.54
and 9
given time, amount to $ 1;
mills, is the
sum required to
2.
What sum paid at the beginning of each half-year, for 25 halfyears, will, at end of last half-year, pay a debt of $ 450 then due interest to be compounded half-yearly at a semi-annual rate of 3 per cent T
On page 46, in 3 per cent, column and opposite 25, we find .026629,
the sum which, under the given conditions, will amount to $ 1 in 35

half-years, and which being multiplied by 450 gives $ 11.98 as the sum
that will, in the given time and at the given rate, amount to the $450.
(1^~ In the same manner, by complying with directions in "General
above, all problems of this nature may be as easily solved,
whether the sums be deposited, or paid, annually, semi-annually, quar-
Remark "
terly, or
monthly, &c.
T
SINXIBO FimD-Or
SINKING FTJND-Or si
SINEINO FTTND-Or s
year for any niu
of
TAJBIu'E
NO. S
Continued.
SINKING FUND Or sum to be deposited at beginnine of each

year for any number of years to amount, at end
of last year, to $1, at
4%
BOBINSOimLy COMPLEX INTEREST SIMPLIFIED.
OEHERAL RTJUTATtK, In this table, the rates of interest, as they

in column headed " years " be taken accordingly^ that is, as so many
years, half-years, quarters^ months, or weeks, respectively. Moreover, the
given 9um.
TABLE
No. 6.
For finding what amount paid at the end of each jeax,

or half-year, &c.,) for a given number of years, ( orof hal^
years, &c.,) will, at the date of last payment, pay a debt now
due and its interest to that date înterest being compounded,
annually, (or semi-annually, &c., respectively, as required,)
both on amounts paid and the amount now due, at one of the
rates given in the table.
(
Rule. Take from the table the amount found in theproper rate column
and opposite the given number of years, or half-years, ^c., and multiply it
by the given sum. The product will be the amount required.
EXAMPLES.
^What amount, deposited at the end of each year, for 25 years,

will, at date of last payment, pay a debt of $ 500 now dne and its interest interest being compounded annually at 5 per cent, per annum?
1.
On page 54,
in 5 per cent,
column opposite
25,
we
find .07095,
which
the amount that, so deposited, will pay a debt of $ 1 now dne and its
interest: hence 500 times this amount, viz: $35.48, is amount required.
is
2.
What amount paid at end of each half-year for 50 half-years,
25 years,) will, at date of last payment, pay a debt of $12,500 now
due interest being compounded, both on debt and payments, at a semiannual rate of 2 per cent ?
(
On page 52, in 2 per cent, column opposite 50, ( the number of halfwe find .03182, which is the amount that, being paid as stated,
will pay a debt of $ 1 now due and its interest for the given time; hence,
years,)
multiplying this amount by 12,500 gives us the amount, viz % 397.75,

which must be so deposited or paid.
3.
I owe $2500 which I am to pay in 10 years, by equal payments
at end of each quarter interest to be compounded, both on the debt
and on the payments, at 1 per cent, per quarter. What sum must I pay
quarterly ?
On page 52, in 1 per cent, column opposite 40, ( the number of quarter-years,) we find .03046, which is the sum that, paid at the end of
:
each quarter, will pay a debt of $1 now due and its interest to date of
last payment. Hence 2500 times .03046 is the amount to be paid each
quarter, viz
$76.15.
TABLE
{For explanation of
ANiniAL FATUEDT
last
1%
this
No. 6.
Table see preceding page.
at end of each year which will at date of

payment pay a debt of $1 now due and its interest, at
TAI
( For explanation
BOBINSONIAX COMPLEX INTEBEST SIMPLIFIED.
OsNEBAL Beuabk. The amonnts given in this table Tet>Te8ent the

Present Worth of $ 1 that is, the sums which, if placed at simple interest
foi the time and at the annual rates indicated, will amount to exactly $1.
The True Discount on $1 is obtained by simply subtracting these amounts
:
from $1.
1'A.î^:b) SCO.
^.
finding the Present Worth of, or True Discount on, any

of money due at any future time within a year
interest
being computed, on the basis of 30 days to a month, at any of
the rates given in the table.
For
sum
1st.
To find the Present Worth of a ^yen sum Take amount found in
proper late column and opposite the given time and multiply it by the
given sum. The product will be the present worth of the given sum.
2d. To find the True Discount on a given sum
Subtract from $1 tile
amount found in proper rate column opposite the given time and multiply
the remainder by given sum. The product will be the tme discount on the
given sum.
EXAMPLES.
What
the present worth of $1000 due in 7 months and 10 days,

discounted at the rate of 6 per cent, per annum ?
1.
is
if
in 6 per cent, colunm opposite 7 months and 10 days, we find

the present worth of $1 for the given time and rate, and which
multiplied by 1000 gives us $964.63, the present worth required.
On page 65,
.964630,
2.What is the present worth of 1420 due in 120 days

the rate of 5i per cent, per annum ?
discount to be
at
On page 61, in 5i per cent, column and opposite 120 days, we have the
present worth of 11, viz.: .981997, which, multiplied by 420, gives us
$412.44, practically, as the present worth of the given sum.
3.
What is the true discount on $500
rate of 10 per cent, per annum ?
due in 4 months and 22 days
at the
per cent, column opposite 4 months and 22 days, we

which subtracted from $1, gives us .037948, which is the true
discount on |1. Multiplying this by 500, we have $18.97, the true discount
on $500 for the time aud rate given.
On page
61, in 10
find .962052,
4.
What
is
the true discount on a note for $950 due 6 months hence,
discount being at the rate of 5i per cent, per annum ?

On page 63, m 5j per cent, column opposite 6 months, we flpd the present
without interest
worth of $1, viz.: .973236, which being subtracted from $1 and the remainder (.026764) multiplied by 950, gives us $25.43 as the true discount
required.
TABLE
No. 7.
Present Worth of One Dollar for any time within a Tear.
(True Discoont on $1
5% \li%K\
.990861
.999723
.999584
999445
.999300
.999167
.999089
.998890
.998753
.998613
.998475
.998336
.998198
.998059
.997921
.997783
.997644
.997506
.997368
.997330
.997093
.996954
.996816
.996678
.996540
.996403
.996364
.996136
.995988
.995851
.995713
.995575
.995438
.995300
.995162
.995025
.994887
.994750
.994613
.994475
.994338
.994200
.994063
.993926
.993789
.993652
.993515
.993377
.993240
.093103
.999847
6%
equals Si less amount opposite the time.)
|H08. &Dy.
PAYS.
I
y%
8%
10f
TABLE
No. 7.
Present Tfôrth of One Dollar for any time within a Tear.
(True Discount oa $1
Sf^
.9S0313
6%
equals $1 less amount opposite the time.)
Mo8.
&
Dayg. |
DAYS.
7%
Sfo
10%
TABLE
No.
7.
Present Worth of One Dollar for any time within a Tear.
(True Discount on $1
ifc
.958878
5f.j
6%
equals $1 less
1m. &
Days. |
amount opposite the time.)
DAYS,
7%
8%
lOfk
TABLE
No.
7.
Present Worth of One Dollar for anjr time trithin a Tear.
(TsnE Discount on SI
equals SI less
g%
Mm. & Daj.| DATS.
.980873
.980820
.98078S
.980713
.980659
.98060S
.980553
.980499
.980448
.980399
ftyi%
.976205
f,
amount opposite the time.)

I
^K%
4^
41,%%
))
BOBINSONIAll
PERFECT MATURITY TABLES.
TABLE
No. 7 a
INSTAI.MEirr STOCK.
In determining the maturity of shares, there are /our elements 'vrhich
enter into the calculation, viz:
The amount of the share
The amount of the payment
The time to maturity, and
The rate of interest.

Haying given either three of these elements, these
tables enable us to
determine the other.
In this explanation, the payment is supposed to he made at the beginning
of each month, and to he so continued until within one month of the matu-
rity of the share.

(If payments are
made at end of month, find from this table the time it

takes the same payments made at Jirst of month to mature the share, and
add to it the number of days found in table 7 1 under the earning rate and
on a line with the payment.
These tables are the only ones in which the time to maturity is given
all others are indefinite approximations, and, in
exactly to the very day
many cases,
illusory.
The rates of interest here spoken of are always the annual rates, and
cover from four per cent, to thirty per cent.
including 10.2 per cent, and
but the interest on the payments is compounded monthly.
13.2 per cent.
I will now take up the several problems the solutions of which are necessary to determine each of the four ele;nents mentioned above, the other
three being known, and will first consider a uniform share of $100.
TO MATURE A
$100 SHARE-
1st.
How i,0NO will it take a given payment to mature a $100 share at
a given rate of interest ?
Answer.
The time, expressed in months and days, will be found in
the table opposite the payment and in the column headed by the given rate.
Example: When will a 60 cent payment mature a $100 share at 12 per

cent, per annum ? Om>osite 50 cents, in the payment column, and under 12
per cent., w6 find 109.22, which means that it will mature the share in
exactly 109 months and 22 days.
(If
more,
payments are made at the end of the month, it will require 20 days
viz.
110 months and 12 days, as will be shown by table 76, imme:
diately following this table.

2d. "What Patmbnt will mature a $100 share in a given time and at a
given rate ?
Answer.
Look in the table under the given rate for the given time, or
its nearest approximation.
The payment opposite to it will be the required
payment.
Example : "What payment will mature a $100 share in 82 months, at

In the 16 per cent, column, we find 82 months and 1 day (the
nearest approximation to 82 months) to be opposite to 67 cents
which is
the payment required.
16 per cent. 7
MATUBITY TABLES.
BOBISSOHIAS PERFECT
3d.
At 'WHAT Bate of interest will a given payment mature a $100
Bhaie in a given time?
Answer.
Look along the line of the given payment until the given
time, OT its nearest appioximation, is found. This time will be under the
lequiied rate.
KxAMPLE ; What rate of interest is required for a 75 cent payment to mature a ^100
share in 70 months? Looking along the line of the 75 cent payment, we find 70 months
and 3 days ia the 20 per cent column. Hence, a 20 per cent rate is the rate required.
If faytnenU ie made at tht snd of the month, look in the table for 69 months 10 days
fhat is, for 20 days Use than 70 months (see table 7 b) ai^d proceed as before. In this case,
we find 69 months and 10 days to fall about half-way between 20 per cent and 21 oer cent.
4th.
What
payment and
Answer,
TO MATURE ANY SHARE.
will he required to mature a given share when the

the rate of interest aie known 1
Divide 100 times the cents in the given payment by the dollars
Time
in the given share then look for this quotient in the payment column of
the table, and the time opposite to it and under the given rate will be the
time required to mature the share.
Example. How long will it require a 75 cent payment to mature a
860 share at 12 per cent. ? 100 times 75 cents divided by $60= 81.25. In the
table opposite $1.25, and in the 12 per cent, column, we find 58 months and
19 days, which is the time required to mature the share.
;
5th.
What Payment will
mature
a.
given share in a given time at a
given rate of interest ?
Ans!wer.
Find from the table what payment will mature a $100 share
in the given time and at the given rate. Multiply the payment so found by
the dollars in the given share, and one-hundredth of this product will he the
required payment.
Example. What payment will mature a $125 share in 70 months at
find that 63 cents per month is the payment which will
25 per cent. ?
mature a $100 share in 70 months and 1 day hence 63X125^7875, which
divided by 100 gives 78% cents as the required payment.
We
What Bate of interest will be required for a given payment to

6th.
mature a given share in a given time ?
Answer.
Divide 100 times the cents in the given payment by the dollars in the given share. Look for this quotient in the payment column of
the table, and on a line with it find the given time (or its nearest approximation), and this time will be in the column of the required rate.
Example: At what rate of interest will a $4.00 payment mature a
$1,000 share in 125 months? 400X100=40,000, which divided by $1,000
equals 40 cents. Looking in the table opposite 40 cents, we find 125 months
and 6 days under 12 per cent. hence 12 per cent, is the required rate.
7th.
What Shabe will be matured by a given payment in a given
time at a given rate of interest ?
Find from the table what payment will mature a $100 share
Answer.
then divide 100 times the given payin the given time at the given rate
ment by the payment thus found the quotient will be the share that will
be matured.
Example : What is the amount of the share that a $1.00 payment will
mature in 73 months at 13.2 per cent. ? 100 X 100
10,000, which divided by
89 cents (the payment which will mature $100 in 73 months at 13.2 per cent.)
fpves $112.36 as the exact
amount
of the required share.
::
BOBINSOiriAIf
PERFECT MATURITT TABLES.
FOR PERFECT EXACTNESS!

As a rule,
the results obtained as before described are exact enough for

all practical purposes, and, in fact, are far more so than those obtained from
any other maturity tables that I know of but the following explanations
will show how to arrive at results that are positively and minutely accurate
Whilst these tables give, as already explained in the several cases, the
exact day, or rate, or payment, or share, that will mature, when the payment,
share and rate are each in even numbers, and the time exactly that which it
takes the other three even elements to mature, there are very few combinations of either three of these elements that will mature at the other even
element. But the methods of arriving, in all cases, at results (accurate even
to minuteness) will now be given.
1st. To riND THE EXACT
PAYMENT
It takes to mature a $100 share in 83 months at 12 per cent. It will be seen

from the tables that it takes a 70 cent payment 88 months and 17 days, and
a 71 cent payment 87 months and 22 days to mature the share which is a
difference of twenty-five days in the time to maturity. Hence, as it takes
1 cent more to mature the share in 25 days less time, it will take 17-25th3 of
1 cent more of payment to mature the share in 88 months than it does in 88
months and 17 days. Now 17 -4- 25
.68 which added to 70 cents (the lesser
payment) gives 70.68 cents as the exact payment required.
Hence, the Bule Divide the difference in days between the given time
and the next greater time in the table, opposite the given payment and
under the given rate, by the difference in days between the next greater
and the next less time than that given, and add the quotient to the smaller
payment. The result will be the exact payment.
:
2d.
To FIND THE
EXACT
RATE
That it will take a given payment to mature a $100 share in a given time
Find, on a line with the given payment, the two times next
BuLE.
greater and less than the given time. Find the number of days' difference
between them, and also the number of days' difference between the given
time and the greater of the two. Divide the latter difference by the former
and add the quotient to the rate under which the greater time is found
the result will be the exact rate required.
ExAMFLB. What is the exact rate required for a $1.00 payment to

mature a $100 share in 63 months 7 . We find from the table that the share
will mature in 62 months and i days at 17 per cent., and in 63 months and
12 days at 16 per cent. That is, it takes 38 days longer to mature at 16 per
cent, than at 17 per cent. Dividing 12 (the difference in days between the
given and the greater of Ihe two times) by 38 (the difference between the
two times) and adding the quotient (.32) to the lesser rate, we have 16.32 per
cent, as the exact rate required.
3d.
To
FIND THE EXACT
TIME
That it will take a given payment to mature a given share at a given rate
Bulb: Divide 100 times the cents in the given payment by the dollars
in the given share then look for the quotient in the payment column of the
table. If it be found exactly, the time opposite to it and under the given
:
ROBIMSOSIAN PERFECT MATURITY TABLES.

rate will be the exact time. If we do not find it exactly, then take the two
times which, under the given rate, are opposite the next less and the next
greater than the given payment and multiply their days' difference by the
difference between the given payment and the next greater payment in the
table, and add this product to the lesser time.
Example
l.
What
is
the exact time that
it
will require
an 80 cent pay-
ment to mature a $200 share at 16 per cent. ? 80 X 100=; 8,000, which divided
by 200 gives a 40 cent payment, which we find exactly in the table, and the
exact time
113
months and 10 days )
is
opposite to
it.
Example 2. What is the exact time that it takes a S5 cent payment to

mature a 875 share at 19 per cent. ? 35 X 100
3500^ 75 46% cents. Now,
46 cents matures in 94 months, 4 days, and 47 cents in 93 months, 3 days,
being 31 days' difference. There is % cent difference between the 46% cents
and the next greater payment in the table. Multiplying the 31 days by %
cent difference in payment, we have 10 days to add to 93 months, 3 days,
giving 93 months and 13 days as the exact time.
To FIND THE EXACT
SHARE
That will be matured by an even payment in any number
of
even months
at a fractional rate of interest 7

Find, as before explained, the
two shares that will be matured by the

given payment in the given time at the two even rates of interest next
greater and next less than the given rate. Multiply their difference by the
difference between the lesser of the two and the given rate, and add the
product to the lesser of the two shares for the required share.
What
the exact share that will be matured by a 60 cent

at 9}4 per cent. ?
As heretofore explained, we find that $84.55 is the share that will be
matured at 9 per cent., and $88.45 the share that will mature at 10 per cent.
the difference between the given
Their difference ($3.90) multiplied by
gives 97 cents
rate (9^ per cent. ) and the next lesser rate (9 per cent.)
to be added to the lesser share ($84.55), giving us $85.52 as the exact share
which will be matured by a 60 cent payment in 96 months at 9^ per cent.
Example.
is
payment in 96 months
BOBINSC
Time
fin
montho and days

Payment! ma(
the heading.
BOBINSONLOf PERFECT MATUEITY TABLES.
BOBINSONIAK PERFECT HATUBIIY TABLES.
Time(
BOBINSONLLN
(The nvunbers under the various rates represent days.)

^
BOBINSONUir COMPLEX INTEBEST 8IMPUFIED.
ncAJBXw^
SINEINa FUND For
posited at the
END
finding the
each
of
:p90.
TEAR,
s.
sum
to be paid or de-
at the rates in the
heading, to amount, at end of last year, to a given sum.
ANNUAL SINKING FUND.
Take from the table the amount found in the proper annual
and opposite the given number of yean, and multiply by the
given sum the product will be the required annual sinking fund.
Rule.
rate column,
it
EXAMPLE.
or sum deposited at the end of each year for 40
years, will amount to $10,000 at the end of the 40th year
interest to
be compounded annually at 34 per cent per annum?
What sinking fund,
In 34 per cent, column, opposite the 40 in centre column, we find

sum that, if so deposited, will at the end of 40
.011827, which is the
amount to $1
amount to $10,000.
years,
hence, 10,000
times this
sum
($118.27) will
SEMI-ANNUAL SINKING FUND.

If the sum is to be deposited, or paid, at the end of each half-year,
then consider the rates in the heading as semi-annual rates, and the
numbers in centre column
as half-years.
EXAMPLE.
sum
deposited at the end of each half-year for

35 years (70 half-years), will amount to $4600 at the end of 35 years
interest compounded semi-annually at 11 per cent, per half-year ?
What sinking fund,
or
In li per cent, column, opposite 70 half-years, we find .007389,

which is the sum that, if so deposited, will in 35 years (70 half-years)
amount to $1 hence, 4500 times this sum ($33.25) deposited at end of
each half-yar, will amount to $4500 at the end of 35 years.
;
INKI]
rif
*rillbe
BOBINSOJVIAN PEEFECT MATURITY TABLES.
TABLE
No.
8a
PREPAID STOCK.
Copyright,
The explanation
1893,
by
J. 'Watts Kobinson.
of this Table is pretty
much the same
as that for Instal-
ment Stock.
The pre-payments
are in the centre column, and include the usual

it takes to mature a $100 share at the different
rates is opposite the pre-payment and under the respective rates, and is
expressed in months and days
76.27, for example, meaning 76 months and
27 days.
amounts prepaid. The time
To find the maturity, at monthly compound^ of prepayments other than

those given in the table:
Divide the par value of the share by the sum prepaid,
Then look for the
( both expressed in same denomination of dollars or cents.)
quotient in the column of the monthly earning rate in table No. I, and it will
be found, exactly or approximately, opposite the number of months to maturity.
Thus, to find when $46.50 prepaid will mature a $100 share at 10%;
$100.00h-$46.50=$2.161; which falls between 92 and-93 months.

For jf lOO shares, the quotient may be taken directly from Division Key-Table.
If interest be compounded quarterly, semi-annually, or annually, then look
for the quotient in the column of table No. 1, headed, respectively, by one-quarter, one-half, or the whole of the annual rate
and it will be found, approximately if not exactly, opposite the number of quarter-, half-, or whole years that it
takes the share to mature.
To
WHAT Fbe-patment will mature
a $100 share at a given rate in

Find, in the column of the given rate, the two times next
take iheir difference in days as a
greater and less than the given time
denominator, and the difference between the greater of the two times and
the given time as a numerator. Multiply the fraction so formed by the
difference in cents between the two greater and less pre-payments, and add
the product to the lesser pre-payment, for the required pre-payment.
ExAUFiiE.
What pre-payment will mature a $100 share at 20 per cent,
in 70 months 7 Following the rule, we have 72.25 as the next greater, and
63.16 as the next less, time
a difference of 279 days
and 85 days as the
difference between the next greater and the given time
hence the fraction
86 -i- 270, which multiplied by 5.00 (the difference between the two payments
which mature in the two approximate times) gives us 1.57 to add to $30,
(the lesser pre-payment), giving $31.57 as the required pre-payment.
find
a given time
The Share that will be matured by a given payment in a given time at

a given rate, and the Rate which it will require for a given payment to
mature a $100 share in a given time, are found by methods similar to the
above, and are described fully under Instalment Stock.
ROBOSONIAjy PERFECT MATURITY TABLES.
PRE-PAID STOCK.
Time
months and days from date of pflTment ) required for any pre-paid share
the annual rates in the headiug. Interest compounded monthly.
4%
in
to
mature to $100 at
ROBINSONIAN PERFECT HATUBITT TABLES.
TABIiB N.
ft.
EQUIVALENT MONTHLY AND PREPAID PAYMENTS THAT WILL

MATURE A SIOO SHARE IN SAME TIME AT SAME RATES.
Copyright, 1893, by J. Watts Kobinson.
The usual prepaid payments are in the centre column, and the equivalent monthly payments, at the various rates, are found under the respective
annual
rates.
It will be observed that the monthly payments equivalent to any one

pre-payment vary for the different rates for examples at 7 per cent, and
8 per cent., for a $50.00 pre-payment, they differ by a little over 8 cents
and for the same pre-payment, at 4 per cent, and 30 per cent., they differ by
about $2.11. This is a very material point to be considered in establishing
the relative amount of the two classes of payments.
;
To find ho-w long it -will take the two to mature, it is only necessary to
consult either the Prepaid or the Instalment Stock Tables.
Equr
TABIiB
No. 16.
ROBINSONIAN EQUAL MONTHLY PAYMENTS
TABLE
No. 15.
ROBINSONIAN EQUAL MONTHLY PAYMENTS
TABLE
TSIO.
16.
ROBINSONIAN BUILDINC-LOAN INTEREST TABLES.
MONTHLY OOMPOinn),
A
Amount
of $1.00
at end of
at
iamual Bates under heading.
NO.
It.
PLAN FOR
DIVISION OF PROFITS IN A BUILDING
ASSOCIATION.
By
J.
AND LOAN
Watts Robinson, Boston, Mass.
Author and Publisher of the

ROBINSONIAN BUILDIN6-L0AN INTEREST TABLES,
"
5, 6, 7 AND 8% Interest Book,
"
Universal Interest Tables,
"
Interest on Dailt Balances,
&c., &c., &c.
Copyright, 1898, by J. Watts Robinson.
NO.
IT.
DIVISION OF PROFITS IN A BUILDING

ASSOCIATION.
AND LOAN
There is a great diversity of methods among Building and Loan Associations for distributing profits.
The following plan (which is not claimed
as entirely original, except as extended and detailed,) is believed to be as
practical and equitable as any.
If its publication tends in any degê towards producing uniformity of method in apportioning profits, one of its
main objects will have been attained.
The
following abbreviations will occasionally be used here:

D. B. C. for Dividend Bearing Capital during the term.
B. v.for Book Value.
O. B. V. for Book Value at la.st settlement.
N. B. V. ^for Book Value as found at present settlement.
Having ascertained the total net profits earned during the term for which
settlement is being made, we must next find what is the total dividendThen, dividing the total net
bearing capital of all the shares still in force.
profits for the term by the total d. b. c. of all these shares, we will have
the percentage of profit due to each of the participating shares.
The
due each share, or
profit
of the share, or series,
series, is
found by multiplying the
by the percentage of
d. b. c.
profit.
The dividend bearing
capital (d. b. c.) of an instalment share is equal

book value at last settlement (if it had any) plus the d. b. c. of its
payments during the term into the loan fund. The former is, of course,
taken from the books, and the latter is found, in each of the several cases
( dependent on the length of term, number and amount of payments made
during the term, and time in the month at which payments were made,) by
multiplying one of the share's payments into the loan fund by the ratio
found in the table A, B, C, D, or F which is applicable to the case.
to
its
To
find the d. b.
c.
SEMI-ANirnAL SETTLEMENTS.
payments made by an instalment share during
of the
a semi-annual term:
Case 1st. "When payments are made 3.t first of month.

Multiply one of its monthly loan fund payments by the ratio found in
under the number of payments made by it during the term.
table
Table A.
2
3
1
4
5
6
No. of payments
Ratios
II
24
3iS
there have been, during the term, 5 payments of $1.00 each

into the loan fund, the d. b. c. of these payments equals $1.00x2^=92.50.
That
is, if
Case 2d.
Payments at end of month.

Table B.
No. of payments
12
112^
Ratios
quartbrlt settlements.
Case 3d.
Payments _^rs
of month.
Case
ilh.
Payments end of month.

Table D.
Table C.
1
No. of payments
Ratios
12
ANNUAL SETTLEMENTS.
Case 5th
Payments
a,\i
month.
first of
123456789
10
11
12
4^j
6j
Table E.
No. of payments
Ratios
Case
6tA.
\^
If
2i
3|
Payments at end of month.

Table F.
No. of payments
Ratios
10
11
12
yV
If
2i
3|
4jV
Having, by means of the above ratios, found the d. b. c. (exact to the

fraction) of the share's loan fund payments during the term, add it to the
book value of the share at last settlement (if it then had any) and the result will be the d. b. c. of the share; and the total d. b. c. of all the instalment shares of the series in the class to which the share belongs will
equal the d. b. c. of the one share (just found) multiplied by the number of
shares of
its class
and
series still in force.
of instalment shares may be found direct, in

one of its shares is found by simply
substituting, in the computation, for the one monthly payment by the share
the sum of one month's payments by the series but there is no work saved
by this over the process as above explained.)
The d. b. c. of a series
the same manner as the d.
(
b. c. of
PTJLL-PAID AND PREPAID SHARES.

In case of an association which issues monthly series, both full-paid and
prepaid shares may have been issued during the term at some date intermediate to the two settlements. If either of these be full-participating, (or
partly participating, with the balance of its earnings to be credited to some
named fund,) settlements being made semi-annually, the d. b. c. of the
share for the term will be equal to as many sixths of the amount paid as it
has been even months in force. That is, if $60 was paid just 4 months
before date of settlement, its d. b. c. will be $60x4-6ths=$40.
If, as is sometimes the case, such full- or pre-paid shares are issued, in
the term, at some arbitrary date, the d. b. c. of one of these shares will be
found by multiplying the amount found in table K, opposite the date of
issue, by the number of hundreds and fractions of hundreds of dollars paid
in.
For example: if $60 was paid in on Jan. 10th, its d. b. c. will beequal
to $94,475 X .60
$56.68f
(Table K, which gives the
ea;ac< d. b. c. of $100 paid at any arbitrary

date during either the first or last semi-annual term of the year, will be
found at the end of this explanation. It cannot be used in annual or quarterly settlements.)
Having thus given the methods of finding, in a semi-annual settlement,

the dividend hearing capital ot the different kinds of shares usually issued, I
wiU now illustrate by a tabulated example which probably covers almost
every case. I have taken, for illustration, the 3d settlement in an association whose settlements are made semi-annually, and where monthly payments are made at end of month ^to which Case 2d, Table B applies.
( Annual and quarterly settlements foUow exactly the same rules as semiannual settlements but fhe ratios used must always be taken from the
table which corresponds with the length of term.)
Although I have, in the following illustration, (except in classes A and B)
taken a somewhat desultory set of series, I have, nevertheless, taken a sufficient number of each class to illustrate the principle and method of the
apportionment. Several of the classes of shares considered here may not
be issued in individual cases, but it was necessary to show how they are to
be treated when they are issued.

Example
3d
Semi-annaal Settlement Jnne SO, 1898.
Class A. -Pays 35 cents at end of each month into loan fund.

Class B. Pays 60 cents at end of each month into loan fund.
Class C. Prepays $50, and is full-participating.
Prepays 860, receives 3^ semi-annual cash dividends balance of earnings cr, to share.
Class D.
Class E. Full-paid receives 3;( a. a. cash dividends excess of earnings credited to reserve fund.
Class F.
zeceives 3^ semi-annual cash dividends (to be paid out of earnings before
Full-paid
net profits are declared).
Class O. ^Full-paid
receives 3^ semi-annual cash dividends
1 ^ of earnings to expense fund
balance to profit account.
Class H.
li of earnings to expense fund
Full-paid
receives 3^ semi-annual cash dividends
balance to reserve fund. This class may be issued at any time.
Full paid and prepaid payments made at
first
of month.
KXAMPLE OF 3d SEm-ANKUAL SETTLEMENT
Continued.
TABLE
K,
On
opposite page, giyes the exact divideno-beabing capital, for the

term, of $100 paid in at any date in either of the semi-annual terms of
any year, excepting for the fibst term of leap years and table
(on this
page) gives it for that term in leap years. For example: the dividend
bearing capital, for first term in a common year, of $100 paid March 18th
which means that $100 paid in on that
is S57.4586, taken from Table
date is equivalent, as dividend bearing capital for the term, to $57.46 of
book value on the preceding 31st of December. ( If this had been a leap
year, the dividend bearing capital would have been $57.14, from table H.)
In the same manner, the dividend bearing capital, in the 2d semi-annual

term of any year, of $100 paid in on Aug. 12th is $76.63.
To find the dividend bearing capital of any amount paid in, multiply
the amount taken from the table opposite the proper date and under the
proper month, by the hundreds and fractions of hundreds of dollars in the
amount paid. Thus, $480 paid in on Aug. 12th is equivalent to $76.6304
X 4.80, viz: to $367.88 of book value at the preceding settlement June 30th.
TABLE
H.
Table H - Dividend-Bearing Capital, in Semi-Annaal Settlements, of

$100 paid in at different dates in first Term of LEAP YEARS only.
Jan'y
Table No.
18.
ROBINSbWI AN BUIUDINC-LOAN INTERE ST TABLES.

Present Worth of $1.00 at end of each half-year.
INTEREST COMPOUNDED MONTHLY.
4%
Table No. l&, Continued.

TABIiE NO. 18
a.
EOBDrSONIAN BUILDIIfG-LOAir INTEREST TABLES.
Present Worth of $1.00 at end of each half-year.
TABIiE NO. 18 a
Continued.
KOBHSrSOiriAN BUILDING-LOAIf INTEEEST TABLES.
Present Worth of $I.OO at end of each half-year.
Table No.
19.

Table No.
19,
Continued.
ROBINSONIAN BUILDINC-LQAN INTEREST TABLES.
Comparative Simple and Compound Interest.

Amount of $1.00 placed
at interest the first of each month at Simple and at

Monthly, Quarterly, Semi-Annual, and Annual Compound Interest.

Table No. I9. uonttnuea.

TABIiE NO. 19
a.
ROBINSONIAN BUILDING-LOAN INTEREST TABLES.

Amount of
fl.flO
and at Monthly,
Annual Compound
at Simple
Quarterly, Semi-Annual,
Interest.
and


Amount of $1.00
Simple
Int.
Month
and at Monthly, Quarterly., Semi-Annual., and

Annual Compound Interest.
at Simple
Gomponnded eaoh
Simple
_
Year. lfa"
3 Mo8. 6Moa.
Int.
I
XGfo
1.17
1.37
1.61
1.89
2.21
2.60
3.04
3.57
4.18
4.90
5.75
6.73
7.90
9.26
10.85
1.17
1.37
1.60
1.87
2.19
2.56
3.00
3.51
4.10
4.80
S.62
6.57
7.69
8.99
10.52
1.17
1.36
1.59
1.85
2.16
2.52
2.94
3.43
4.00
4.66
5.44
6.34
7.40
8.63
10.06
1.16
1.35
1.56
1.81
2.10
2.44
2.83
3.28
3.80
4.41
6.12
6.94
6.89
7.99
9.27
1%
1.20
1.43
1.71
2-04
2.44
2.92
3.49
4.18
4.99
5.97
7-14
8.53
10.20
12.20
14.58
1.19
1.42
1.70
2.02
2.41
2.88
3.43
4.09
4.88
5.82
6.94
8.27
9.86
11.70
14.03
1.19
1.41
1.08
1.99
2.37
^.81
3.34
3.97
4.72
6.60
6.86
7.91
9.40
11.17
13.27
1.18
1.39
1.64
1.94
2.29
2.70
3.19
3.76
4.44
5.23
6.18
7.29
8.60
10.15
11.97
aofo
1.22
1.49
1.81
2.21
2.70
3.29
4.01
4.89
5.96
7.27
8.86
10.81
13.18
16.07
19.59
1.22
1.48
1.80
2.18
2.65
3.23
3.93
4.77
5.79
7.04
8.56
10.40
12.64
15.37
18.68
1.21
1.46
1.77
2.14
2.59
3.14
3.80
4.59
5.56
6.73
8.14
9.85
11.92
14.42
17.45
1.20
1.44
1.73
2.07
2.49
2.97
3.58
4.30
5.16
6.19
7.43
8.92
10.70
12.84
15.41
Month
Oomponnded each
3Mo8. 6 Mos. Year.
I
TABLE NO.
20.
EOBDfSOinAir BUILDIN&-LOAN INTEREST TABLES.
WITHDRAWAL VALFES.-PaymentB at EUD of each month.

Based on $i.oo monthly payments, and equated simple
any of the annual rates in the heading.
interest at
Also for finding the rate of simple interest earned.
TO FIND WITHDRAWAL VALUES.

The Withdrawal Value of a share, at any annual rate of simple interest, is found by multiplying the amount found in this table opposite
the number of months the share has been in force, and under the rate
allowed, by one of the monthly payments. Thus, the withdrawal value,
at an 8 % withdrawal rate, of a share on which the dues paid into the
loan fund were 50 cents each month for 106 months, will be equal to
$143.10X0.50=971.55.
t^^ If payments are atJSrsi of
the month, then the withdrawal value is equal to that

found as above for one month more, less the amount of one of the payments. Thus, in
this case, the withdrawal value of the above share would have been J72.40 0.60=J71.90.
EATE OF SIMPLE INTEREST EARNED.

To
up to any given time : divide the book value of the share at that time by the amount paid each
month into the loan fund, then look in the table, along the line 6t the
age, for the quotient; which, if found exactly, will be in the column of
the exact rate earned.
Book value of share $73.26 ; monthly payment into
Example :
loan fund 50 cents ; age 108 months.
We have $73.26^-0.50=$146.52,
which is found, exactly, on the line of 108 months under 8%, which is
the exact rate of simple interest earned.
If the exact quotient, as found above, be not found on the line of the
age, then subtract the next less amount found there from this quotient
divide the remainder by the diflference between the amounts on that line
next less and next greater than the quotient ; and add this last quotient
to the rate over the smaller amount, for the rate earned.
Example
Book value of share $45.00 ; monthly payment into
loan fund 60 cents ; age 57 months. We have 45.00-j-0.60=75.00 ; and
on the line of 57 months we find the next amount less than 75.00 to be
74.29, In 13% column, which is less by 71 cents. The next greater Is
75.62, in 14/o column; and 75.6274.29=1.33. Then 0.71-7-1.33=0.534,
which added to 13% (over the smaller amount) gives us 13.534 % as the
exact rate of simple interest earned.
|^**In the same manner, if we divide the total book value of all the
shares by the average amount paid each month Into the loan fund by all
the shares, and use the quotient as before, we will find the rate of simple interest the association has earned.
find the rate of simple interest earned
0:^ This Table occupies next 6 pages.
TABLE NO.
20.
ROBDTSONIAN BUILDING-LOAN INTEREST TABLES.
TABLE
ITO.
20
Continued.
EOBPfSONIAN BUILDlNfl-LOAir IITTESEST TABLES.
WITHDRAWAL VALUESPayments at END of
each month.
Based on $i.oo monthly payments, and equated simple interest

any of the annual rate s in the heading.
Also for finding the rate of simple interest earned.
109
8%
6% [Bontkl 7%
9%
4%
5%
I
122.0417
123.4625
124.8875
126.3167
127.7500
129.1875
130.6292
132.0750
133.5250
134.9792
136.4375
137.9000
139.3667
140.8375
142.3125
143.7917
145.2750
146.7625
148.2542
149.7500
151.2500
152.7542
154.2625
155.7750
157.2917
158.8125
1-5,3.6700 160.3375
155.0933 161.8667
158.5200 163.4000
157.9500 164.9375
159.3833 168.4792
160.8200 168.0250
162.2600 169.5750
163.7033 171.1292
185.1500 172.6875
166.6000 174.2500
188.0533 175.8167
169.5100 177-3875
170.9700 178.9625
172.4333 180.5417
173.9000 182.1250
175.3700 183.7125
176.8433 185.3042
178.3200 186.9000
179.8000 188.5000
181.2833 190.1042
182.7700 191.7125
184.2600 193.3250
185.7533 194.9417
187.2500 196.5625
117.8333
119.1700
130.5100
121.8533
123.2000
124.5500
125.9033
127.2600
128.6200
129-9833
131.3500
132.7200
134.0933
135.4700
136.8500
138.3333
139.6200
141.0100
142.4033
143.8000
145.2000
146.6033
148.0100
149.4200
150.8333
152.2500
at
126.2500
127.7550
129.2650
130.7800
132.3000
133.8250
135.3550
136.8900
138.4300
139.9750
141.5250
143.0800
144.6400
146.2050
147.7750
149.3500
150.9300
152.5150
154.1050
155.7000
157.3000
158.9050
160.5150
162.1300
163.7500
165.3750
167.0050
168.6400
170.2800
171.9250
173.5750
175.2300
176.8900
178.5550
180.2250
181.9000
183.5800
185.2650
186.9550
188-6500
190-3500
192.0550
193-7650
195.4800
197-2000
198-9250
200-6550
202.3900
204-1300
205-8750
lOl
103
103
104
105
106
107
108
109
110
111
113
113
114
115
116
117
118
119
130
121
133
133
134
125
136
137
138
139
130
131
133
133
134
135
136
137
138
139
140
141
143
143
144
145
146
147
148
149
150
30-4583
32-0475
33.6425
35-2433
36-8500
38-4625
40.0808
41-7050
43-3350
44-9708
46.6125
48.2600
49-9133
51.5725
53-2375
54.9083
58.5850
58.2675
59.9558
61-6500
63-3500
65-0558
66.7875
08.4850
75-2083
71-9375
73.6725
75-4133
77-1600
78-9125
80.6708
82.4350
84-2050
85-9808
87-7625
89-5500
91.3433
93-1425
94-9475
96.7583
98.5750
200-3975
202-2258
204.0600
205.9000
207.7458
209.5975
11.4550
213.3183
215.1875
134.6667
136-3400
138-0200
139-7067
141.4000
143-1000
144-8067
140-5200
148.2400
149-9867
151-7000
153.4400
155-1867
156.9400
158.7000
160.4667
162.2400
164.0200
165.8087
167-6000
169-4000
171.2067
173.0200
174-8400
176.6687
178.5000
180-3400
182-1867
184-0400
185.9000
187-7667
189.6400
191-5200
193-4067
195-3000
197.2000
199-1067
201.0200
202.9400
204.8667
206.8000
208.7400
210.6887
212.6400
214.6000
216.5667
218-5400
220.5200
222.5067
224.5000
138.8750
140.6325
142.3975
144.1700
145-9500
147-7375
149.5325
151-3350
153.1450
154.9625
150.7875
158.6200
160.4600
162-3075
164-1625
166-0250
167.8950
189.7725
171.6575
173.5500
175-4500
177-3575
179.2725
181.1950
183.1250
185.0625
187-0075
188-9600
190-9200
192.8875
194-8625
196.8450
198-8350
200.8325
202.8375
204.8500
206.8700
208.8975
210.9325
212.9750
215.0250
217.0825
219-1475
221-2200
223.3000
225.3875
227.4825
229.5850
231.6950
233.8125
143.0833
144-9250
146-7750
148-6333
150-5000
152-3750
154-2583
156.1500
158.0500
159.9583
161.8750
163.8000
105.7333
167-0750
169.6250
171.5833
173.5500
175.5250
177.5083
179.5000
181.5000
183.5083
185.5250
187.5600
189.5833
191.6250
193-6750
195.7333
197.8000
199.8750
201.9583
204.0500
206.1600
208.2583
210.3750
212.5000
214.6333
216-7750
218-9250
221.0833
223.2500
225.4250
227-6083
229-8000
232-0000
234-2083
230-4250
238-6500
240.8833
243.1250

TABI.E NO.
21.
EOBINSOliriAir BTTILDIITG-LOAN
DfTEREST TABLES.
TABLE OF BATES EARNED BY A LOAN,

ALSO
SHOWING THE RATES AOTFALLT PAID BY A BORROWER

In a Building-Loan Associationi
This table shows, by a simple reference, the following
ist.
The rate of interest earned, at monthly compound, by a
loan which is paid up, at date of last payment, by a given number
of equal monthly payments:
By taking the rate found at intersection of the column headed by the
monthly payment and the line passing through the given number of
payments. Thus, to find the rate earned by a f 100 loan that is paid up
in 98 months by 99 monthly payments of $1.82i each
Looking in column headed 1.3250, and opposite 99 payments, we find 7%, which is the
rate earned.
compounded
monthly,
per
annum,
Proof: f 100, at 7%
amounts in 98 months to $176.83 ; and $1.32i, paid at the first of each
:
month and
at the last of last
mouth, that is, for 99 times, amounts to
$132.47X1.324+1.324=176.85; the difference of 2 cents being due to the

fact that the rate earned is not exactly 7%, although nearer to that rate
than it is to either 6 7-8 or 7 1-8 %.
The ACTUAL RATE, at monthly compound, paid by a bor2d.

rower in a Building-Loan Association, at any period of maturity
of his shares:
Is found by taking the rate at the intersection of the column headed
by the sum of the monthly interest, premium and dues and the line
passing through the number of payments which is one greater than
the number of months it takes the borrower's shares to mature. Thus,
if his total monthly payment be $1.50, (made up of 6% interest, 6% pre-
mium, 50 cent? dues,) and the time it takes his shares to mature be 101
months; then, looking in the column headed 1.5000 and opposite 102
payments, we find 11%, which is the actual rate, within less than l-8th
of V/q per annum, paid by the borrower. Proof: $100, at 11% per annum, monthly compound, amounts to 261.33 in 101 months; and $1.50
paid the first of each month for 101 months and also at the end of the
101st month, amounts to 351.41 ; the difference of 8 cents being due to
the rate not being
exactlt
11%.
Note. Âs the loan is paid up at the time of last payment, and there are to be no
more payments, the interest thereafter grained by both borrower and lender will be precisely the same ; hence, if settlement be made one, or any number of months after last
payment, the rate found as above will
still
be the true
rate.
PAYMENTS NOT llT THE HEADING.

When the amount of the borrower's monthly payment
is
intermedi-
ate to those given in the heading, the rate earned, or actually paid, may
be found quite accurately by proportion almost by simple inspection.
$100 loan, paid up at the time of last payment by 94
For example :
monthly payments of 1.36 each. From the table, we see that if the
payments were 1.35 the loan would earn 64%; and if they were 1.374,
the loan would earn, or the actual rate paid be, 7%; hence, with 1.36
payments the rate will be 64 plus two-fifths of the 4% difference ; giving
6.7 % as the rate earned or actually paid.
j^~ To find how much

and how much is on the
of the monthly
interest
payment
Is
on the
principal,
Multiply the loan by the monthly
TABIjS
avj.
zj..
BOBINSONIAlSr BUILDING-LOAN INTEREST TABLES.
payment and divide the product by what the loan amounts to at the rate
earned ( found from table No. 1.) The quotient will be the portion of
the payment which goes to paying the principal; the balance goes to
paying the interest. Thus a $100 loan paid up by 92 payments of $1.45
each
We have 1.45X100.00-^-183.06=0.792, which is the portion of thfe
monthly payment that goes to paying the principal ^the balance goes
to paying the interest.
Bemakes. When the whole dues go into the loan fund, and there
are no other sources of profit or loss than those due to the earnino'S of
the loan,_(or when all other sources balance each other,) the borrower's
shares will mature in the time given in my "Perfect Maturity Tables "
opposite the dues and under the rate charged on the loan ; and the rate
charged, the rate actually paid, and the rate earned will all be the same.
For example: if interest be 6%, premium 6%, and the dues (all) be 50
cents a month, and there are no extraneous sources of profit or loss, the
borrower's shares will mature in 110 months ; and the rate earned up to
that time will be 12%, and the rate actually paid by the borrower will
also be 12%.
But, if, on account of any extraneous causes, the shares mature
either before or after this (the natural) time, the rate actually paid
will diffier from that charged. If shares mature before the natural time,
the rate actually paid will be decreased ; but, if the shares do not mature
until aêr the natural time, the rate actually paid wUl be greater than
the rate charged.
Taking the same example as before, but supposing that the shares mature in 100 months, the rate earned ( see table opposite 101 payments ) will
be 10| per cent; at which rate it will take 61 cent monthly dues to mature
the shares in 100 months. But, as the borrower pays only 50 cents dues,
the other 11 cents must come from sources extraneous to the loan and the
borrower's dues.
ain: if the shares do not mature until 120 months, the rate earned
(see table opposite 121 payments) will be 13^ per cent. ; at which rate 40i
cents dues will mature the shares; but as the borrower pays 50 cents dues,
he overpays 91 cents per share per month, which should go into profit.
Monthly Pajmenti for different Rates ol Inttregt anl Premiuns Bid.
;;
;
TABLE
Q.
ROBINSONIAN DIVISION KEY-TABLE.

Copyright,
1893,
by J. Watts Eobinson.
This table gives the quotients resulting from dividing $100 by all the consecutive
by all the consecutive dimes ; and by all the. consecutive dollars, from 1 to
1000 of each. Thus 151 (under D, the divisor), may be regarded as either 151 cents
151 dimes ($15.10) ; or 151 dollars. "When the amounts under D are regarded as cents,
the decimal point in the quotient (under Q) must be removed two places to the right
when regarded a,s dimes, one place to the right; and when regarded as dollars, the
decimal point is already properly placed.
The peculiar use of the Key-table, to Building and Loan people, is (in connection
with Tables 1, 2, 3 and 4 in the *' Robinsonian Bond and Investment Tables,'* and in
the ** Mobinsonian Building-Loan Interest Tables,") first, in finding the rate per
cent, of earning of a loan which is paid up in a given number of months, or years, by
stated equal payments each month, or year, for a given number of either : And,
secondly and thirdly, in finding the maturing time of both prepaid and instaZment
shares, by those who do not have the " Robinsonian Perfect Maturity Tables," which
are contained in the " Building-Loan Interest Tables," mentioned above.
cents ;
APPLICATION.
To find the rate of earnings of a $100 loan which
of equal monthly payments.
1st.
is
paid up by agiven number
Rdi.1;. Find,
in the Key-table, the given monthly payment under D. Remove

the decimal point in the amount on its right two places to its right, and look for this
changed amount in Table 4 on the horizontal line passing through the given number
but the nearest approximation
of months. It will very seldom be found exactly
found will be under the nearest approximate rate given in the table to the rate of
earning.
(To find the exact rate of earnings take the difference between the two approximate amounts thus found in Table 4, also the difEerence between the greater of these
two and the amount taken from the Key-table. Multiply the latter difference by the
difference in the two consecutive rates given in the table divide this product by the
former difference, and add the quotient to the lesser rate, for the ea;aet rate the loan
earns.)
Example
in 80 months
1.
What will
be the rate of earnings of a $100 loan which
is
paid up
by equal monthly payments of $2.2a?
Answer. Opposite 225
in Key-table,
two places to right we have
we find .4444. Removing
the decimal point
months in Table 4,
to be 42.88 (nearly) in 1%
column; hence 1%
per month is the nearest approximate rate in the table to actual
rate of earnings. The next nearest approximate amount is 46.41 (nearly), in IK
column. Now, to find the exact rate following the rule, we have 46.41 42.88 3.53,
and 46.4144.44 1.97, which latter multiplied by y^ (the difference in rates between
the two columns)
.49 %.
Dividing .49 by 3.63 we have .14
to add to 1.5 %, giving
us 1.64
per month, or 19.68
per annum, as the exact rate earned.
we
44.44.
Looking along the
find the nearest approximation to this latter
line of 80
amount
%
= %
N'ote,
The same rule applies when the payments are made yearly, half-yearly,
quarterly, or weekly
always bearing inmina that the rates in the heading of Table
4 must be the rates for these respective periods, and that the numbers under " Years,"
must be the number of the periods.
Example 2. What rate does a $1000 loan earn if paid up by 10 equal annual
payments of
each ?
^Kswer. ($1000 -^ $132.67= $100 -^$13,267.)
(practically) 7.69, and opposite 14 we find 7.14;
$132.67
Opposite 13 in Key-table we find

a difference of .65 for a difference of
Hence, for .27 more of payment than $13 the difference is (.27 x .55),
.1485 less of quotient than 7.6923, or 7.6438. Looking in Table 4, along the line of 10
years, we find 7.5376 under 51/2 %, which is practically the annual rate earned. If we
had regarded the payment as $133 which is practically near enough we would
(as the loan in this example is $1000 instead of $100), have found 7.519 as the quotient
which would have given us the same approximate rate as before, viz: 6% % The
exact rate may be computed as in Example 1.
$1
m payment.
For explanation of method

of this table
of finding the maturity of shares, etc., see page at
end
"
ROBINSONIAN DIVISION KEY-TABLE.

Continued.
MATURITY OF SHAKES.
To
find tlie time it takes a given

given rate of interest
monthly payment to mature a $100 share at a
B0LE. Find In the Key-table, nnder D, the amount, In cents, of the given
monthly Instalment. Bemove the decimal point two places to the right in amount
opposite ; then look in Table a, in the given rate column, for the nearest approximation
to this changed amount. It will be found opposite the nearest approximate number
of even months to maturity.
BXAMPLE. How long will it take a 75^ênt monthly payment to mature a $100
share at 12
p* annum = 1 per month ? Answer. We find in Key-table opposite
col75, 1.3333. Semoving decimal point two places, we have 133.33. Looking in 1
umn of Table 9, we find 134.308T9 (the nearest approximation to 133.33) opposite 8S
months,
which is the nearest approximate number of even months to maturity. By
a simple process of proportion, the exact time (84 months, 17 days) can be found.
To find how long
it
will take a given prepaid,
amount
to
mature a $100 share at
a given rate
Rule Find in the Key-table, under D, the amount corresponding to the dollars
and dimes of the amount paid. (For example, $42.60 pre-paid will be represented in
Key-table by 425.) Remove the decimal point in amount op^site one place to the
right then look in Table 1, in the given rate column, for the nearest approximation
to the amount so changed. It will oe found opposite the nearest approximate number of even months to maturity.
ExAMPiiE. How long-will it take a pre-payment of $57.50 to mature a $100 share
;
% = 1J4 % per month ? Answer. We find in Key-table opposite 575, .1739.

Removing d.ecimal point one place we have 1.739. Looking m 1 !< % column of Table 1,
we find 1.74895 opposite 45 months hence 45 months is the nearest approximate number of even months to maturity. The exact time, found easily by proportion, is 44
at 15
months,
16 days.
Note.
The " ROBiusoNiAif Perfect Matubitt Tables" give the exact soluand, when either
tion of all maturity problems like the above by a single reference,
three of the four functions (Share, Payment, Rate and Time) are given enable us to
easily determine the other.
ROBINSONIAN
MONTHLY, QUARTERLY AND SEMI-ANNUAL
COMPOUND INTEREST TABLED.

Supplemental to
Robinsonian Building-Loan Interest Tables.
the Monthly Values of $1,00 paid each
month, (either at first or last of month,) for
any number of months from 1 to 200,
Showing
at all rates from, 5% to 16%,
and
with interest compounded

Monthly, Quarterly and Semi-annually,
AUTHOR AMD PUBLISHER OF
R OBINSONIANf*
'>
UNIVERSAL INTEREST TABLES,

BUILDING-LOAN INTEREST TABLES,
BOND AND INVESTMENT TABLES,
MULTIPLICATION AND DIVISION TABLES,
INTEREST ON DAILY BALANCES,
INTEREST AND MATURITY TABLES.
6 PER CENT. INTEREST BOOK,
WITHDRAWAL VALUES,
RATS EARNED, &c.
J<br Sale by Booksellers
J.
WATTS ROBINSON,
and Stationers, and by
Author and Publisher,

BOSTON, MASS.
COPVniGHT IBSB, BY
J.
WATTS ROBINBON.
Semi-annual Compound Interest.

Table No. 23.
meet a demand from some Building-Loan Secretaries
and others, I have prepared Table No. 23, which gives the successive
values, for any number of months up to 200, of $ 1.00 placed at Simple interest at the end of each month, with interest compounded SXMIANNUALLY On the half-yearly aggregates. The table embraces every
annual rate from 5% to 21%. These limits will cover about all the eases
which ever arise. (Tables at other rates will be computed to order
by the author, if desired.)
In order
to
to table No. 23 will show when, on

end of each month will mature a $200
share at any desired rate. Thus, at 10% per annum, we see by the
table that $1.00 so paid will amount to $199.93 at the end of 119
months hence it will about mature a $ 200 share in that time.
Having thus the value of $1.00 paid at the tnd of each month,
the value of $ 0.50 so paid vidll be just one-half of it, $ 0.25 one-quarand, generally, for any payment
ter of it, $0.60 six-tenths of it
For instance, a simple reference
above
basis,
$ 1.00 paid
at the
amounts will be found by multiplying

the value, as per table, of $ 1.00 paid each month by the cents in the
given payment. Thus, at 9%, a $0.35 monthly payment will amount
to $ 115.7225 X. 35=$ 40.50, in 84 months.
whatever, the value to which
it
USES OF THE MATURITY KEY-TABLE.

Now, in order to find, by a simple inspection, how long it will take
ANY monthly payment made on the above stated basis to mature a
share of ANY par value, I insert on opposite page my "Maturity KeyTable." In using this table, we look in its heading for the par value
of the share, and in the centre column for the payment then, noting
the amount at the intersection of the column and line passing through
these two, we look for this same amount in table No. 23, under the
given rate. If it be found exactly, the number of months to which it
Thus when will a 65
is opposite will be the exact time to maturity.
cents payment mature a $ 125 share at 10%? Opposite .65 and under
Maturity
Key-Table,
we
find
$192.31; which is found
$125 in the
very nearly exactly ($192.18) opposite 116 months in the 10% column
of table No. 23 Whence 116 months is the exact time to maturity, to
within about 1 day.
A 50 cents payment will in the same manner, be found to mature
a $ 100 share in about 111 months and 12 days at 12%. A 10 cents
payment wiU mature a $ 50 share in about 156i months, at 16%.
(When the Key-Table does not give both the payment and par
value of the share, then divide the par value of the share by the cents
of monthly payment and look, as before explained, in the given rate
column of table No. 23 for the quotient; and it ynW be found, at least
approximately, opposite the number of months to inaturity.)
Table No. 24.

This table gives the half-yearly values of $ 1.00 paid at the end
of each half-year, with interest compounded half-yearly. Thus, $ 1.00
so paid at end of each half-year, with interest at 12% per annum, compounded semi-annually, amounts to $ 25.67 in 8 years. For the values
of other amounts so paid, multiply the amounts taken from the table,
for the
same rate and
time,
by the payments made.
If tie interest be allowed on mauMy payments until the end of

the half-year term in which they are paid, ( which seems to me eminently unfair,) then their value, at semi-annual compound, will be
equal to the amount in table No. 24, under the annual rate and opposite the given time, multiplied by the sum of the 6 payments
and this
regardless of the time in the month when payments are made. Thus,
the value of 50 cents monthly payments at the end of 10 years, at 9%
per annum, semi-annual compound, will equal $31.3714X93.00=
$94.11, In 6 months' longer time, their value will equal $94.11-}*
its interest for 6 months ($3.53) -f- 6 payments ($2.50)=$ 100.14.
But it will not do to take the sum of the 6 payments, plus the
earnings they make each half-year at a given rate, and compound the interest semi-annually on thii sum at that rate ; for the result would not
show the actually earned values of the share at its different stages.
The rate at which, in this case, interest may be rightly compounded
semi-annually will be indicated by the amount which $ 1.00 earns at
the givf n annual rate in 6 months. Thus, if the annual rate ( based
on either the monthly loaning or earning rate ) be 12%, then, in order
that values may be found accurately by semi-annual compound, the
rate used should be .06152%; the .06152 being what $ 1.00 earns in 6
months at 12% per annum, compounded monthly.
Robinsonian Maturity Key-Table.

$25
$40
$50
$60
TAX-
$75
$100 $125 $200
SRABE SHABB SHARE SBABI UENT 8HABE SHABE SHAKE SHAKE

1200.
soo.oo 800.00 1000
250.00 400.00 600.00 600.00
166.67 266.67 333-33 400-00
125.00 200.00 250. OD 300-00
100.00 160.00 200-00 240-00
83.33 133.33 166.67 200.00
71.43 114.29 142.86 171.43
63. SO 100.00 125.00 150.00
88.89 111.11 133-33
65.56
80.00 100.00 120-00
50.00
90.91 109-09
45.45
72.73
66.67
83.33 100-00
41.67
02.31
61.54
76.92
38.46
57.14
71.44
85.71
85.71
53.33
66.67
80.00
33-33
75.00
31.25
45-00 62.50
47.06
58.82
70.59
29.41
44.44
65.56
66.67
27.78
42.11
52.63
63.16
26.32
40.00
50-00
60-00
25.00
32.00
40.00
48-00
20.00
26.67
33.33
40-00
16.67
22.86
28.57
34-29
14.29
20.00
25.00
30-00
12.50
26.67
17.78
22,22
11.11
20.00
24.00
16.00
10.00
14.55
18-18
21.82
9.09
16.67
20.00
13.33
8.33
7-69
7.14
6.25
5.56
5.00
12.31
11.43
10.00
8.89
8.00
15.38
14.29
12.60
11.11
10-00
18.46
17.14
15.00
18,38
12.00
.05
1500.
,10
,15
.20
.25
.30
.35
.40
.45
.50
,55
,60
.65
,70
.75
.80
,85
,90
.95
750.00
500-00
375.00
300.00
260.00
214-29
187.50
1.00
1.25
1.50
1.75
2.00
2.25
2.50
2.75
3.00
3.25
3.50
4.00
4.50
5.00
2000.
1000.
2500.
1250.
666.67
600.00
400-00
333.33
285.71
250-00
222-22
200-00
181.82
166-67
153.85
142-86
133-33
125.00
117.65
833-33
625.00
500.00
416.67
357-14
312-50
277.78
250-00
227.27
208.33
102.31
178.57
166-67
156.25
147-06
138.89
131.58
125.00
100.00
166.67
150.00
136.36
125.00
115.38
107.14
100.00
93.75
88.24
83.33 lll.l'l
78.95 105.26
75.00 100.00
80-00
60-00
68-67
60.00
42.86
57-14
37.50
50-00
83.33
44.44
30.00
40.00
27.27
36-36
25.00
33.33
23.08
80-77
21.43
28.57
18-75
25.00
16.67
22-22
15.00
20-00
83.33
71.43
62-50
55.56
60-00
45.45
41-67
38.46
85,71
81,25
27-78
26-00
4000.
2000.
1333,
1000.
SOO.OO
666.67
671.43
600.00
444.44
400.00
363.63
333.33
307-69
286.71
266.67
250.00
235.29
222.22
210-53
200.00
160-00
133.33
114.29
100.00
88-89
80.00
72,73
66.67
61.64
67.14
50-00
44.44
40.00
Wobinsonian Table No. 23.
Monthly Values
Of $ 1.00
placed at simple interest at the
Interest
At
3%
compounded
annual
end
of each
month
SEMI-ANNUALLT
rates in the heading.
^with
Robinsonlan Table No. 23.
Monthly Values
Of $ 1.00
Interest
At
4%
!
188.9593 151
184.4155 152
185.8743 153
187.3355 154
188.7993 155
156
I91.741S 157
193.3194 158
190.3656.
194 7001
19S.1833
197.6689
199.1571
300.6550
303.1553
203.6583
305.1636
206.6715
308.1819
209.7034
311.3253
S13.7S08
214.2787
215.8092
217.3433
218.8855
320.4814
331.9797
323.5306
225.0839
236. 6398
338.3064
229.7755
231.3471
233.9213
334.4978
836.0769
337.6671
239.2598
240.8550
243.4536
244.0538
245.6555
247.2697
248-8863
350.5054
252.1271
353.7512
255.3779
257.0163
958.6573
compounded
annual
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
195.4393
197.0785
198.7311
200.3871
203.0464
303.7090
305.3880
207.0704
308.7561
310.4451
311.1375
313.8332
215.5459
217.2630
318.9815
330.7043
333.4304
224.1598
325.9070
237.6576
229.4114
331.1686
333.9392
234.6930
238.4753
238.2610
340.0499
341.8433
343.6379
345.4369
247.3550
249.0765
250.9012
252.7294
254.5608
256.3956
358.2503
260.1083
261.9696
263.8342
265.7022
267.5735
369.4654
271.3607
273.2593
276. 1612
277.0664
278.9750
280.9049
283.8382
end
of each month
^with
SEMI-ANNUALLY
3%
Iw.
265.2460
275.2633
385.4287
395.7476
306.3213
316.8531
337.6424
338.5945
349.7110
360.9941
372.4465
384.0707
395.8693
407.8448
4fg
3$
17
390.6045 430.0000
17* 303.4666 433.3375
18
314.5659 444.8601
18J 326.9072 457.5705
19
339.4954 470.4715
19* 352.3353 483.5661
20 365.4330 496.8571
20A 378.7906 510.3474
21
393.4165 524.0402
21* 406.3148 537.9383
22 430.4911 552-0448
224 434.9509 566.3630
28 449.6999 580.8960
23* 464.7439
AMOUNTS AT END OF
Yrs.
24
4%
480. 0888
495. 7406
24*
511 7054
26
25* 537 9895
26
544 5993
26* 561 5413

27
578 8221
27* 596. 4485
28
614. 4275
284
29
632. 7861
651. 4714
29* 670- 5508

30 690- 0118
TEARS FOR 30 YEARS.
I have thus carried these 3 % and 4 % tables

up to 200 months, and each table shows at once
what $1.00, at the end of each month, amounts
to at the end of each of the 200 months. But
I also carry these 3% and 4% tables on, by }^
years, to 30 years, as above and the amount
at the end of each month of these additional
years
is easily
found, as follows:
To
the amount at the end of the preceding

*
year, as shown in table, add the interest thereon for the added months ( 1 % for each month
at 3 % ; and 1-3 % for each month at 4 % ) and
to these respective sums add as follows:
At
3%
For 1 month,
" 2 months,
" 3 months,
" 4 months,
" 5 months.
Example
At end of 20 years
:
4 months interest
4 added payments
Am't
at 20 yrs.
4mos- 334.9338
374.3244'
Robinsonian TaDie no. 23.
Monthly Values
Of $ 1.00 placed
Interest
At
5%
at simple interest at the
65
1.0000
1.0000
2.004S
2.0050
3.0150
3.012(
4.0300
4.0250
5.0417
5.0500
6.0750
6.0625
7.1054
7.0878
8.1408
8.1172
9.1811
9.1508
10.2265
10.1885
11-2769
11.2305
12.3323
12.2766
13.3039
13.3277
14.4606
14.3830
15.5322
15.4425
16.6089
16.5062
17.6906
17.5740
18.7772
18.6460
19.8711
19.7237
20.9700
S0.8055
82.0739
21.8916
23.1828
22.9817
24.2966
24.0761
25.4155
5.1746
26.5426
26.2795
27.6747
27.3886
28.8118
28.5018
29.9538
29.6192
81.1009
30.7408
82.2530
31.8665
33-4143
32.9993
34.580S
34.1362
35.7518
35.2773
36.0281
36.4226
38.1093
37.5720
39.2956
38.7257
40.4921
39.8870
41.6935
41.0525
42.9000
42.2222
44.1115
43.3961
45.3280
44.5741
46.5495
45.7563
47.7822
46.9469
49.0200
48.1418
49.3407
SO. 2627
50.5439 .51.5104
62.7632
51.7S12
54.0209
52.8627
65.2910
54.1834
56.5662
65.4082
month
with
7%
1.0000
2.0058
3.0175
4.0350
5.0583
6.0875
7.1230
8.1644
9.2115
10.2645
11.3234
12.3881
13.4603
14.5384
15.6224
16.7121
17.8077
18.9091
20.0194
21.1356
22.2576
23.3854
94.5190
S5.6585
26.8081
27.9636
29.1250
30.2922
31.4652
32.6440
33.8344
35.0307
36.2328
37.4407
38.6545
39.8741
41.1067
42.3451
43.5893
44.8394
46.0054
47.3571
48.6334
49.9155
51.2034
52.4971
53.7967
55.1021
56.4236
57.7508
of each
SEMI-ANNUALLY
compounded
annual
end
|Mos.
1
a
3
4
5
6
*
8
9
lO
11
la
13
14
IS
16
IV
18
19
30
31
aa
33
34
35
36
37
38
39
30
31
33
33
34
3S
36
37
38
39
40
41
43
43
44
45
46
47
48
49
50
85
1.0000
2.0067
3.0200
4.0400
6.0667
6.1000
7.1407
8.1880
e.2420
10.3027
11.3700
12.4440
18.5270
14.6166
15.7129
16.8158
17.9255
19.0418
20.1687
21.3023
22.4426
23.5895
24.7432
25.9034
27.0761
28.2555
29.4415
30.6342
81.8335
33.0396
34.2598
35.4868
36.7204
37.9606
39.2076
40.4612
41.7309
43.0073
44.2904
45.5801
46.8765
48.1796
49.5008
50.8287
52.1632
63.5044
64.8522
66.2068
67.5815
68.9629
9%
1.0000
9.0075
8.0225
4.0450
6.0750
6.1125
7.1583
8.2117
9.2725
10.3409
11.4167
12.5001
13.6938
14.6951
15.8038
16.9201
18.0438
19.1751
20.3189
91.4702
22.6390
23.7953
24.9691
26.1504
97.3466
28.5502
99.76)3
30.9800
82.2061
33.4397
34.6005
35.9488
37.2146
88.4879
39.7687
41.0570
42.3649
43.6804
45.0033
46.3337
47.6716
49.0171
50.3847
61.7598
63.1424
64.5326
65.9302
67.3353
68.7653
60.2029
105
1.0000
2.0083
3.0250
4.0500
5.0833
6.1250
7.1760
8.2364
9.3031
10.3799
11.4636
12.5563
13.6609
14.7739
15.8952
17.0248
18.1628
19.3091
20.4700
21.6392
22.8168
94.0027
85.1970
96.3995
27.6195
28.8470
30.0845
31.3295
32.5828
33.8445
35.1265
36.4160
87.7156
39.0227
40.3380
41.6617
43.0089
44.3644
45.7282
47.1004
48.4809
49.8698
51.9854
62.7093
64.1416
55.5821
57.0310
68.4883
59.9767
61.4714
Robinsonian Table No. 23.
Robinsonian
i aDie
No. 23.
Monthly Values
Of $ 1.00
Interest
At
compoimded
annual
65
56.6372
57.8701
59.1078
60.3493
61.6007
62.8563
61.1161
65.3801
68.6482
67.9205
69.2035
70.4907
71.7820
73.0775
74.3772
75.6810
76.9964
78.3159
79.6395
80.9674
89.2994
83.6355
84.9840
86.3367
87.6935
89.0545
90.4196
91.7889
93.1714
94.5580
95.9488
97.3437
98.7429
100.1462
101.5684
102.9849
104.4105
105.8403
107.2742
108-7123
110.1653
111-6284
113.0837
114.5492
116.0188
117-4926
118-9822
120.4759
121.9738
123-4758
57-8463
59-1314
60-4215
61.7166
63-0252
64-3387
65-6573
66.9809
68-3095
69.6431
70.9913
72.3445
73-7027
75.0659
76.4341
77.8074
79-1964
80-5904
81.9895
83.3935
84.8025
86-2166
87.6477
89.0837
90.5248
91.9709
93-4220
94-8781
96.3525
97.8319
99.3162
100.8058
102.3000
103.7994
105.3184
^with
SEMI-ANNUALLY
59-0839
60.4229
61-7676
63.1182
64.4864
65-8604
67-2403
68-6260
70.0175
71-4149
72.8314
74.2539
75-6821
77-1162
78.5661
80-0019
81.4686
82.9411
84.4194
85.9036
87.3936
88.8894
90.4080
91-9323
03.4625
94-9985
96.5404
98.0881
90.6603
101.2383
102.8221
104.4118
106.0073
107.6087
109.2364
110.8699
112.5093
114.1545
115.8056
117.4625
119.1477
120.8387
122.5356
124-2382
125-9468
127.6611
129.4058
SIos.
51
S3
53
54
55
56
57
58
59
60
61
69
63
64
65
66
67
68
69
70
71
73
73
74
75
76
77
78
79
SO
81
83
83
84
85
86
87
88
106.8424
108.3714
109.9054
111.4444
112.9884
114.5533
116.1233
117.6982
119.2782
120.8631
122.4531
124.0653
125.682S 131'.I564
127.3049 132.9127
97
98
99
128-9321
100
134.6749
end of each month
89
90
91
93
93
94
95
96
85
60.3509
ei.746S
63.1470
64.5551
65.9854
67.4225
68.8662
70.3165
71.7786
73.2373
74-7255
76.2204
77-7229
79.2302
80.7452
82.2667
83.8152
85-3703
86-9321
88-5005
90.0756
91.6574
93.2685
04.8862
96.5106
98.1416
99.7793
101.4237
108.0999
104.7827
106.4722
108.1683
109.8712
111.S807
118.3245
115.0751
116.8323
118.5961
120.3667
122.1439
123.9589
125.7791
127.6068
129-4411
131.2820
133.1296
135.0173
136.9114
138.8123
140-7198
9fo
61-6479
63.1004
64.5604
66.0279
67-6231
69.0258
70.6361
72.0538
73.5790
75.1117
76.6750
78.2459
79.8242
81.4100
83-0034
84.6042
86-2387
87.8808
89.5303
91-1873
92.8519
94-5239
96.2328
07-9493
99.6733
101.4046
103.1436
104.8900
106.6766
108.4708
110.2725
112.0817
113.8088
115.7225
117.5904
119.4660
121.3488
123-2392
125.1371
127.042S
128.9954
130.9557
132.9235
134.8988
136.8816
138.8719
140.9135
142.0626
146.0191
147.0831
105
62.9755
64.4879
66.0086
67.5877
69.1005
70.6716
72.2511
78-8389
75.4351
77.0395
78.6815
80.3319
81.9905
83.6675
85.3329
87.0166
88-7417
00.4753
92.2170
93.9671
95.7266
97.4934
00.3048
101.1266
102.9547
104.7921
106.6379
108.4920
110.3961
119.8088
114.2293
116.1684
118.0959
120.0416
122.0420
124.0606
126.0677
128.0930
130.1267
132.1687
134.2701
136.8798
138.4979
140.6848
142.7691
144.9021
147.1097
149.3265
151.6497
163.7828
Monthly VALtrES
Of $1.00 placed
Interest
ii;
64.3345
6S.9089
67.4985
69.0853
70.7186
72.3610
74.0136
75.6784'
77.3434
79.0225
80.7469
82.4804
84.2231
85.9760
87.7360
80.5062
91.3267
93.1563
94.9951'
96.8431
98.7003
100.5666
102.4884
104.4194
106.3596
108.3090
110.2675
112.2352
114.2840
116.3020
118.3492
120.4055
122.4710
124.5467
126.6873
128.8382
130.9982
133.1673
135.3457
137.5332
139.7939
142.0638
144.3428
146.6311
148.9284
151.2350
153.6213.
166.0168
158.42is{
160.8353
at
simple interest at the
compounded
END
of each month
SEMI-ANNUALLT
At annual rates in the heading.

12%
13% MOB.| 14fg
15%
65.7255
67.1493
68.6067
70.0983
91
67.3642
68.8546
sa 70.3808 71.9438
69.0129
70.6706
S3 73.1666 73.8017
70.6716
72.2975
S4 73.9641 76.6732
72.3783
74.0808
55 75.8370 77.6181
74.0950
76.8748
56 77.7016 79.6765
75.8217
77.6797
57 79.5878 81.5474
79.4954
77.5585
58 81.4857 83.5308
81.3220
79.3052
59 83.3953 85.6267
81.0619
83.1694
60 85.3166 87.5351
82.8725
85.0603
61 87.3119 89.6293
84.6931
86.9720
63 89.3190 91.7360
86.5237
88.8946
63 01.3376 93.8552
90.8279
88.3644
64 93.3680 95.9869
92.7722
00.2150
65 95.4100 98.1310
94.7272
92.0756
66 97.4637 100.2877
93.9963
96.7534
67 99.6008 102.5413
05.9271
98.7905
68 101.7495 104.8074
07.8679 100.8384
69 103.9100 107.0860
09.8186 102.8971
VO 106.0820 109.3771
I
101.7794
103.7601
105.7876
107.8351
100.8926
111.9601
114.0373
116.1251
118.2864
120.4576
123.6389
124.8301
127.0314
129.2423
131.6351
133.8375
136.1499
138.4723
140.8048
143.1479
145.5787
148.0201
150.4718
152.9331
155.4046
157.8860
160.4649
163.0537
165.6526
16^.2615
104.9666
107.0470
109.2067
111.3772
113.5685
115.7507
117.0537
130.1676
122.4694
124.7820
127.1055
129.4398
131.7850
134.1410
136.6041
139.0582
141.5330
144.0187
146.6153
149.0226
151.6370
154.2623
156.8983
159.5453
162.2030
164.8716
167.6577
170.4546
173.2624
176.0810)
71
73
73
74
75
76
77
78
79
SO
81
83
83
84
85
86
87
88
89
90
91
93
93
94
95
96
97
98
99
100
^with
108.2658
110.4613
112.7499
115.0603
117.3623
119.6860
122.0214
124.3685
126.8194
139.2821
131.7564
134.2423
136.7400
139.2493
141.8738
144.6101
147.1680
149.8176
152.4888
155.1717
167.9830
160-8041
163.6377
166.4831
169.3401
173.3087
176.2178
178.2386
181.2710
184.3151
111.6807
113.9968
116.4218
118.8698
121.3093
123.7717
126.2463
128.7341
131.3433
133.9649
136.6991
130.2458
141.9050
144.5766
147.3838
160.2035
163.0368
155.8805
158.7377
161.6074
164.6275
167.6601
170.7052
178.7628
176.8328
179.9164
183.1644
186.4258
189.6998
192.9862
16^
71.6250
73.6443
75.4769
77-4229
79.652
81.6008
83.6598
65.6321
87.7177
89-8167
92.0142
94.3351
96.4494
98.6869
100.9378
103.3030
105.6780
107.9674
110.3701
112.7861
115.2165
117-6688
120.2270
128.8001
126.4045
128-0133
130.6354
133.2708
136-0478
138-8381
141-6417
144-4586
147-2880
150.1326
163.1343
156.1494
169.1778
162-2196
165.9747
168-3431
171.5877
174.8456
178.1168
181.4014
184-6993
188-0106
191-5174
105.0376
198.5710
202.1178
Monthly Values
Of $ 1.00 placed
Interest
S%
124.0820
126.4024
128.0195
129.5507
isr.osei
132.6256
134.1694
135.7172
137.2827
138.8524
140.4262
142.0042
143.5863
145.1727
146.7778
148.3866
149.9998
151.6172
153.2388
154.8645
156.5098
158.1592
159.8128
161.4706
163.1325
164.7986
166.4853
168.1761
169.8711
171.5702
173.2736
174.0811
176.7102
178.4434
180.1808
181.0224
183.6683
185.4181
187.1007
188.9674
100.7483
192.5334
1*4.3226
196.1160
107.0332
190.7515
901.5800
203.4096
205.2435
207.0814
compounded
end
of each
130.5644
132.2016
133.8627
135.5287
137.1997
138.8757
140.5567
142.2427
143.9539
145.6701
147.3913
149.1175
150.8488
153.5850
154.3479
156.1158
157.8887
159.6667
161.4496
163.3375
165.0537
166.8740
168.7011
170,5323
172.3685
174.2006
176.0807
177.9567
170.8378
181.7238
183.6149
185.5109
187.4385
189.3710
191.3086
193.2513
195.1987
197.1513
190.1370
201.1278
303.'l235
305.1243
207.1300
200.1408
311.1865
213.2372
315.3039
217.3536
219.4193
331.4900
136.4429
138.2168
140.0230
141.8351
141.6531
145.4768
147.3064
149.1419
151.0119
152.8877
154.7694
156.6568
158.5502
160.4493
163.3853
164.3271
166.2747
168.3283
170.1874
172.1526
174.1568
176.1668
178.1837
180.3045
182.2320
184.2654
186.3403
18^.4210
190.5075
192.5999
194.6981
106.8022
198.9502
301.1041
203.2837
205.4292
207.6006
209.7778
212.0015
214.2310
316.4664
218.7076
320.9546
233.3075
325.5095
327.8174
330.1311
232.4507
334.7760
237.1073
^vrith
SEMI-ANNUALLT
At annual rates in the

8%
6%
7% |Mos.|
month
101
103
103
104
105
106
107
108
100
llO
111
113
113
114
115
116
117
118
llO
130
131
133
133
134
135
136
137
138
139
130
131
133
133
134
135
136
137
138
139
140
141
143
143
144
145
146
147
148
149
150
142.6340
144.5548
146.5185
148.4889
150.4659
152.4496
154.4400
156.4370
158.4799
160.5295
162.5858
164.6487
166.7183
168.7945
170.9198
173.0518
175.1904
177.3357
179.4876
181.6463
183.8573
186.0749
188.2992
190.5302
193.7678
195.0131
197.3132
199.6190
201.0334
304.2525
206.5792
208.9136
311.3054
213.7048
216.1109
218.5336
220.9430
223.3601
225.8583
228.3540
230.8565
233.3656
235.8814
238.4039
240.9933
243.5893
246.1920
248.8013
351.4173
254.0400
heading.
I
149.1546
151.2337
153.3679
155.5097
157.6589
159.8157
161.9709
164.1517
166.3838
168.6315
170.8670
173.1313
175.3834
177.6510
179.0834
182.3233
184.6707
187.0256
189.3879
191.7578
194.1960
196.6417
199.0949
201.5556
304.0337
206.4994
309.0482
311.6044
314.1683
316.7394
310.3183
221.0044
224.5687
337.3405
229.9197
232.6065
235.3008
338.0026
240.7878
243.5801
246,3802
249.1877
352.0027
254-8252
357.7364
360.6551
363.5813
266.5150
369.4563
273.4048
105
156.0331
158.8732
160.5912
162.9184
165.2541
167.5980
169.9503
173.3109
174.7468
177.1910
179.6436
182.1046
184.5738
187.0514
189.6102
192.1773
194.7527
197.8364
199.9285
203.5290
205.2167
307.9128
310.6172
213.3299
216.0510
318.7804
321.6036
224.4351
227.2749
230.1231
232.9796
235.8444
238.8098
241.7835
244.7665
247.7559
250.7546
263.7617
256.8763
250.9994
263.1307
266.2704
269.4184
273.5747
375.8463
379.1360
283.4141
385.7106
289.0154
392.3385
Monthly Values
Of $1.00
.
Interest
11%
163.2583
165.6904
168.2093
170.7372
173.2744
175.8207
178.3762
180.9409
183.5995
186.2673
188.9443
191.6304
194.3257
197.0301
199.8363
202.6515
205.4760
208.3096.
211.1524
214.0043
216.9660
219.9369
222.9169
225.9061
228.9045
231.9120
235.0379
238.1729
241.3171
244.4705
247.6330
250.8047
254.1037
257.4120
260.7293
264.0559
267.3916
270.7365
274.2182
877.7091
281.2092
284.7185
288.2369
291.7645
295.4390
299.1226
302.8155
306.5175
110.2287
313.9490
SEMI-MNUALLT
compounded
end of each month

13$ Mo8.| 14$
18^
heading.
170.8803
173.5092
176.2443
178.9894
181.7445
184.5096
187.2846
190.0697
192.9704
196.8811
198.8018
201.7325
204.6732
207.6239
210.7002
213.7864
216.8826
219.9889
223.1051
226.2314
229.4937
232.7660
236.0483
239.3406
242.6429
245.9552
249.4148
252.8843
256.3639
259-8534
263.3630
266.8626
270.5312
274.2098
277.8984
281.5971
285.3057
289.0243
292.9146
296.8148
300.7250
304.6453
308.S755
312.5158
316.6409
320.7761
324.9213
329.0764
333.2416
337.4167.
178.9105
181.7507
184.7197
187.6995
190.6901
193.6916
196.7039
199.7270
202.8907
206.0653
209.8507
212.4469
215.6539
218.8718
222.2429
225.6248
229.0176
232.4212
235.5357
239.2610
242.8530
246.4558
250.0694
253.6939
257.3293
260.9754
264.8027
268.6407
272.4896
276.3494
280.2199
284.1013
288.1791
292.2677
296.3671
300.4774
304.5985
308.7304
313.0750
317-4304
321-7966
326.1737
330.5616
334.9604
339.5891
344.2287
348.8791
353.5403
358.2124
362-8953.
101
103
103
104
105
106
107
108
109
no
111
112
113
114
115
116
117
118
119
120
131
123
133
134
135
136
137
138
139
130
131
133
133
134
135
136
137
138
139
140
141
143
143
144
145
146
147
148
149
150
^with
187.3709
190.4383
193.6601
196-8936
200.1387
203.3955
206.6630
209.9440
213.3934
216.8544
220.3271
223.8114
227.3074
230-8151
234.5079
238.2125
241.9286
245.6565
249.3960
253.1472
257.1005
261.0656
265.0423
269.0307
273.0307
277.0425
281-2746
285-5185
280.7740
294.0411
298.3199
302.6104
307.1409
311-6830
316.2368
320-8023
325.3794
320.9682
334.8178
339.6791
344.5521
349.4367
354-3330
359.2409
364.4321
369.6349
374.8494
380-0755
385.3133
390.5628
15%
196.2851
109-5966
203-0915
206-5990
210-1190
213.6514
217-1964
220.7538
224.5133
228-2862
232.0696
235.8665
239.6760
243.4979
247.5416
251.5978
255.6665
259.7478
263.8415
267-9477
272-2971
276.6589
281.0333
285.4201
289.8194
294.2313
298.9092
303.5996
308.3025
313.0179
317.7456
322.4861
327-5172
332.5608
337.6169
342.6855
347.7665
352.8601
358.2709
303.6941
369.1299
374.5781
380.0389
383.5121
391.3310
397.1624
403.0063
408.8627
414.7316
420.6130
16%
205.6779
209.2514
213.0414
216.8448
220.6615
224.4915
228.3348
232-1915
236.2874
240.3966
244.5192
248.6551
252.8043
256.9668
261.3931
265.8326
270.2855
274.7517
279.2313
283.7242
288-5072
293-303j5
298-1131
302.9361
307.7725
312-6221
317.7904
322.9720
328-1670
333-3753
338-5969
343.8319
349.4163
355.0141
360.6252
366.2496
371.8873
377.5384
383.5723
389.6195
395.6800
401.7538
407.8410
413.9415
420.4607
426.9933
433.5392
440.0984
440.6709
453-2568
Robinsonian Table no. zs.
Monthly Values
Of $ 1.00 placed
Interest compoianded
5%
208.9443
210.8113
212.6825
214.5578
216.4373
218.3210
220.2307
222.1445
224.0625
225.9847
227.9110
229.8415
231.7992
233.7610
835.7270
237.6972
239.6715
241.6500
243.6569
245.6680
247.6832
219.7025
251.7261
253.7538
255.8111
257.8728
259.9382
262.0080
264.0820
266.1601
268.2691
270.3823
272.4996
274.6211
276.7468
278.8768
281.0386
283.2048
285.3751
287.5496
289.7283
291.9111
294.1274
296.3478
298.5724
300.8012
303.0342
305.2713
307.5433
309-81941
end
of each
month
SEMI-ANNUALLY
At annual rates in the heading.

6%
7% Mob.
8%
223.5975 239.4904 151 256-7336 275-4479
225.7099 41.8793 15a 59-4339 878.4984
227-8274 44.2741 153 262.1408 881.5565
229.9498
832.0773
234-2097
236-3803
238.5568
240-7379
242-9239
245.1150
47.3110
249.5476
251.7891
254.0357
256.2872
258.5438
260.8054
263-1094
265.4184
267.7324
270.0515
272.3755
274.7045
277.0780
279.4586
281.8401
284-2286
286.6221
289.0207
91-4658
293.9159
296.3710
298.8311
301-2963
303.7663
300.2851
308-8089
811-3:t78
313.8716
316.4104
818-9543
321-5490
324.1488
32G.7S3S
329.3633
331.9781
33i.5979
337-2709
339.9489
246.6748
249-0812
251-4935
253.9606
256.4334
58.9121
61.3967
63.8871
66-3833
268.9373
71.4969
74-0625
276-6339
79.2111
281.7942
284.4380
287.0876
89.7431
292.4044
895.0715
297.7445
300-4813
303.2240
305-9725
308-7269
311.4870
314.2530
317-0862
310.0253
322-7700
325.6206
328.4771
331.3394
334.2722
337.2109
340.1553
843.1057
346.0618
349.0238
352-0598
355.1016
358.1492
361.3027
364-8620
867.3271
370-4699
373-6184
154
155
156
157
158
159
160
161
16a
163
164
165
166
167
168
169
170
171
17a
173
174
175
176
177
178
179
180
181
18a
183
184
185
186
187
188
189
190
191
19a
193
194
195
196
197
198
199
200
^with
264.8544
267.5747
270.3016
873.1037
275.9123
878-7877
881-5497
284.3784
287-2137
290.1285
293.0499
295-9780
298.9127
301.8542
304.8023
307.8343
310-8730
313.9183
316.9703
320-0290
823-0943
326-2483
329-4089
332.5763
835.7503
338.9308
342.1181
345-3989
348.6864
351.9805
355.2813
358.5887
361.0028
365.3155
368.7349
372.1609
375.5938
379-0329
382.4790
386-0288
389-5853
393.1485
396.7184
400.2949
403-8781
407.5708
411.2698
884.6220
287.6950
290.7756
893.9564
297-1447
300-3405
303.5438
306-7546
309.9730
313.2978
316.6301
319.9699
323-3173
386.6720
330.0343
333.5095
336.9923
340.4825
343.9803
347.4855
350.9983
854.6308
358.2708
361.9183
865.5733
369.2357
872.9057
376.7025
380.5068
384-318S
388.1379
391.9647
395.7990
399-7675
403.7435
407.7269
411.7179
415.7164
419.7224
423-8703
428-0258
432.1887
436.3591
440.5370
444-7224
449-0579
453.4008
io%
295-7646
299.2090
302.6617
306-1828
309.5922
313-0699
316,6788
320-2961
323.9317
327.5556
331.1978
334.8484
338.6388
342.4375
346-2446
350-0600
353.8837
357.7158
361.6968
365.6861
369.6837
373.6897
377.7040
381.7266
385.0077
390.0971
394.3948
398.5008
402.7152
406.9379
411.3291
415.7286
430.1364
424.5525
428.9770
433-4098
438.0216
443.6417
447.3701
451.9068
456-5519
461-2053
466-0487
470-9004
475.7605
480.6288
485.5056
490.3906
495.4772
500.5721
Monthly Values
ifODinsonian
RODinsonian
RODinsonian
Monthly Values
Of $ 1.00
Interest
At
175
815.5753
218-4301
233.5386
237.6614
231.7983
235.9494
240.1147
244.2941
248.7549
853.2299
257.7191
262.2224
266.7399
271.271S
276.1146
280.9718
285.8432
290.7287
295.6283
300-5422
305.7999
311.0717
316-3577
321.6579
326.9723
332.3008
338-0084
343-7301
349.4661
355.2162
360.9804
366.7588
372.9546
379.1645
385.3886
391-6268
397.8793
404-1458
410-8713
417.8108
424-3645
431.1324
437.914S
444-7107
452.0108
459-3251
466.6535
473.9960
481.3528
488-7237
compounded
annual
18%
836-0046
330.1613
234-6137
239.0813
243-5636
348.0610
358.5734
857-1008
361.9573
866-8389
271.7154
276.6169
281.5334
886.4649
891-7619
897-0739
303.4008
307.7438
313.0998
318-4717
334.8488
330-0409
335.8480
341.6701
347.5071
353.3598
359-6596
365.9750
373-3054
378-6508
385.0111
391.3865
398.2573
405.1431
413-0439
418-9597
435-8905
433.8363
440.3289
447.8364
455-3590
468.8965
470.4490
478-0166
486.1868
494-3731
503.5733
510.7876
619-0178
587-3631
ENS
of each month
SEMI-ANNUALLY
Mos.
101
103
19;
103
104
105
106
107
108
109
no
111
113
113
114
115
116
117
118
119
130
131
133
133
134
135
136
137
138
139
130
131
133
133
134
135
136
137
138
139
140
141
143
143
144
145
146
147
148
149
ISO
'
'
336.9948
241.4755
346-3988
851.1380
355.9930
860.8639
865.7506
370.6531
275.9385
381.8393
886.5567
891.8895
297.33S2
303.6037
308.3939
314.8009
330-0238
325-8625
331.7171
337.5874
343-9326
350-2935
356.6703
363-0630
369.4714
375.8957
382.8474
389.8149
396.7983
403-7975
410.8125
417.8433
425.4592
433-0909
440-7384
448.4017
456.0809
463-7759
473-1191
480.4780
488.8528
497.2434
505.6499
514.0723
523.8116
532-3669
541.5381
550.7251
559-9279
669-1465
31
30;
248.5763
253.4044
358.6278
863.8679
269-1246
274.3980
879.6881
284.9948
290.7447
S96.5113
308-2946
308-0945
313.9111
319-7443
386.0734
332.4191
338.7815
345-1606
351.5563
857.9687
364.9349
871.9177
378.0172
385.9333
393.9661
400-0156
407-6885
415.3661
483.0664
430-7833
438.5169
446-2672
454-7050
463-1594
471.6305
480.1183
488.6228
407-1439
506.4896
515.7320
686.0611
534.3868
543.7398
553.1083
663.3368
673.6619
583.8137
594-0822
604-3673
614-6691
860.7810
265.9817
271.6364
277.3086
288.9983
888.7054
894.4301
300.1723
306.4253
312.6958
318-9838
325-2894
331-6124
337-9529
344-8671
351.7987
358.7470
365.7146
372.6988
379.7004
387.3453
395.0075
402.6872
410.3845
418.0992
426-8315
434.2835
442.7531
451.2401
459.7447
468-8667
476-8063
486.1504
495.6180
504-8911
514-3877
523-7018
633.1334
543.4633
553.8106
664.1756
574-5578
684.9676
595.3750
606.7940
618.2306
629.6846
641.1562
652.6453
664-1518
I
^with
Monthly Values
Of $ 1.00
placed at simple Interest at the
Interest
At
175
496.6473
504.5850
513.5369
630.5030
638.4833
536.4777
545.0778
553. 6930
563.330S
570.0631
579.6198
588.2908
597.6349
606.9732
616.3356
635.7133
635.1030
644.5080
654.6885
664.7833
674.9431
685.1151
695.3033
705.5037
716.4983
727.5071
738.5301
749.5672
760.6185
771.6840
783.6163
705.5635
807.530
819.4977
831.4866
843.4896
856.4391
869.4027
882.3804
895.3734
908.3785
031.3987
935.4519
049.5103
963.6007
977.6963
091.8061
1005.0301
1031.1808
1036.4456
compounded
annual
18%
536.1730
545.0060
554.0340
562.0880
571.9578
580.0418
500.6550
600.3850
610.1291
619.8883
630.6634
639.4515
650.0433
660.6501
671.2718
681.9086
692.5604
-703.2372
714.7756
726.3390
737.9174
749.5108
761.1193
773.7436
785.3337
797.9390
810.5610
823.1072
835.8483
848.5144
862.2432
875.0849
889.7436
903.5153
917.3030
031.1057
046.0733
061.0539
076.0505
001.0621
1006.0887
1031.1303
1037.4472
1053.7793
1070.1261
1086.4881
1103.8650
1119.3570
1137.0458
1164.8497
end
of each month
^with
SEMI-ANNUALLT
Mos
151
153
153
154
155
156
157
15
159
160
161
163
163
164
165
166
167
168
169
170
171
173
173
174
175
176
177
178
179
180
181
183
183
184
185
186
187
188
189
190
191
193
193
194
195
196
197
198
199
30O
195
570.1580
589.1853
599.2385
600.3875
610.3623
629.4529
640.4103
651.4014
663.3005
673.4133
684.4430
605.4885
707.5004
710.5381
731.5717
743.6311
755.7063
767.7074
780.0542
794.1368
807.3152
820.5195
833.7397
846.9756
861.3861
875.8124
890.3545
004.7134
010.1862
033.6758
949.4590
065.3581
981.0729
006.9036
1013.7502
1038.6125
1045.8989
1063.3011
1080.5191
1097.8530
1115.3027
1132.5683
1151.5005
1170.4487
1189.4137
1308.3935
1337.3883
1246.3997
1367-1343
1387.8848
30%
635.9136
637.1748
648.4526
659.7471
671.0582
683.3860
604.7591
707.1489
719.5553
731.9784
744.4182
756.8746
770.4892
784.1205
797.7684
811.4329
835.1142
838.8121
853.7923
868.7893
883.8027
898.8339
913.8798
038.9433
045.4257
061.4248
978.4405
994.0720
1011.5219
1028.0876
1046.2224
1064.3730
1082.5420
1100.7268
1118.9283
1137.1464
1157.0988
1177.0680
1197.0537
1217.0563
1237.0753
1257.1110
1279.0629
1301.0314
1333.0166
1345.0184
1367.0370
1389.0732
1413.3234
1437.3912
31;
676.7745
689.4146
703.0733
714.7476
727.4401
740.1503
754.1029
768.0730
783.0607
796.0658
810.0884
834.1385
830.5508
864.0006
870.4478
885.0225
901.4148
016.0245
033.0707
951.0344
068.1156
085.2143
1002.3304
1019.4641
1038.3047
1057.1639
1076.0385
1004.0316
1113.8433
1133.7704
1153.5938
1174.4348
1195.3033
1316.1603
1237.0628
1257.9737
1380.0883
1304.0303
1337.0699
1350.1360
1373.3314
1396.3335
1431.7591
1447.2123
1473.6830
1498.1711
1523.6768
1549.3000
1577.3110
1605.4395
Robinsonian
Semi-annual Values
Of $
1.00 paid at the
Interest
1.0000
2.0250
3.0756
4.1525
5.2563
6.3877
7.5474
8.7361
9.9545
11.2034
12.4835
13.7956
15.1404
16.5190
17.9319
19.3802
20.8647
22.3863
23.9460
23.5447
27.1833
28.8629
30.5844
32.3490
34.1578
36.0117
37.9120
39.8598
41.8563
43.9027
46.0003
48.1503
50.3540
52.6129
54.9282
57.3014
59.7339
62.2273
64.7830
67.4026
70.0876
72.8398
75.6608
78.5523
81.5161
84.5540
87.6679
90.8596
94.1311
97-4843
end
compoanded
of each half-year, with
SEMI-ANNUALLY

8$
6%
tears.
1.0000
2.0300
3. 0909
4.1836
6.3091
6.4684
7.6625
8.8923
10.1591
11.4639
12.8078
14.1920
13.6178
17-0863
18-5989
20.1569
21.7616
23.4144
25.1169
26.8704
S8-676S
30-5368
S2.4529
34.4263
36-4393
38-5530
40.7096
42.9309
45-2189
47-5754
50-0027
52-5028
53-0778
57.7302
60.4621
63.2759
66.1742
69.1594
72.2342
75.4013
78.6633
82.0232
85.4839
89-0484
92-7199
96-5015
100-3965
104.4084
108.5407
112.79691
1.0000
8-0350
3-1062
4-2149
5-3625
6-5502
7-7794
9-0517
10.3685
11.7314
13.1420
14.6020
16.1130
17.6770
19.2957
20.9710
22.7050
24.4997
26.3372
88.2797
30.2695
32.3289
34.4604
36-6665
38.9499
41-3131
43-7591
46-2906
48.9108
51.6227
64.4295
57.3345
60.3412
63.4532
66.6740
70.0076
73.4579
77-0289
80-7249
84-3503
88-3095
92.6074
96.8486
101.2383
105.7817
110.4840
115.3510
180.3883
125.6018
130.9979,
heading.
laK
1.0000
2.0400
3.1216
4.2463
5.4163
6.6330
7-8983
9.2142
10.3828
12.0061
13.4864
15.0238
16-6268
18-2919
20-0236
21-8245
23.6975
25.6454
27-6712
29-7781
31-9692
34-2480
36-6179
39-0826
41.6439
13
44.3U7
13X
47.0842
49.9676
52.9663
56.0849
39.3283
62-7013
66.2095
69.8379
l>i
2
2>^
4
*>^
6
7
''X
8
S}4
9
9>^
lO
II
UK
13
14
14K
IS
1K
16
1K
17
1*K
18
18K
19
1K
SO
aoK
21
aiK
S3
33K
33
33K
34
94K
S5
73.6.i22
77.5983
81.7022
85.9703
90.4091
95.0255
99.8266
104.8196
110-0124
115.4129
121.0294
126.8706
132.9464
139.8632
143.8337
152.6671
99
1.0000
S.0450
3.1370
4.2782
5.4707
6.7169
8.0198
9-3800
10.8021
12-2882
13.841S
15.4640
17-1599
18-9321
20.7841
22.7193
24.7417
26-8551
29-0636
31.3714
33-7831
36-3034
38-9370
41.6892
44-6632
47.5706
60-7113
63.9933
67.4230
61.0071
64-7524
68.6663
78.7568
77-0303
81.4966
86.1640
91.0413
96.1388
101.4644
107.0303
118.8487
118.9248
125.2764
131.9138
138.8500
146.0983
153.6726
161.5879
169.8594
178.5030
109
1.0000
3.0600
3.1525
4.3101
6.5258
6.8019
8.1480
0-5491
11.0866
13.5779
14.8063
15.9171
17.7130
19.6986
31.5786
83.6575
85.8404
88.1384
30.5390
33.0660
35-7193
38.5058
41-4305
44-5020
47-7271
61.1135
64.6691
68-4026
68.3887
66.4388
70-7608
75-2988
80.0638
85-0670
90-3203
95-8363
101.6281
107.7095
114.0950
180.7998
187.8398
135.8318
142.9933
151-1430
169.7003
168-6853
178.1194
188.0254
198.4267
809.3480
Semi-annual Values
'
Robinsonian Table No^ 25.
Monthly Values
Of $ 1.00 placed
Interest
At
at simple interest at the first of
with
each month
compomided SEMI-ANI^TTALLY
8^
9i
10%
7% Mos.
annual
1.0049
.0125
3.0250
4.0417
5.0625
6.0875
7-1170
8.1507
9.1880
10.2306
11.2768
12.3272
13.3827
14.4424
15.5063
16.5743
17.6465
18.7229
19.8050
20.8914
31.9819
23.0766
14.1754
25.2784
26.3879
27.5016
28.6194
29.7414
30.8676
31.9979
33.1354
34.2770
35.4229
36.5729
37.7270
38.8853
40.0515
41.2219
42.3964
43.5751
44.7580
45.9450
'47. 1406
48.3404
49.5443
50.7524
51.9647
63.1811
$4.4069
55.6368
1.0050
2.0150
3.0300
4.0500
5.0750
6.1050
7.1405
8.1811
9.2266
10.2771
11.3326
12.3932
13.4601
14.5321
15.6090
16.6910
17.7780
18.8699
19.9003
21.0736
22.1830
23.2973
24-4167
25.5410
26.6737
27.8115
28.9512
30.1019
31.2546
32.4123
33.5793
34.7514
35.9285
37.1105
38.2976
39.4890
40.6921
41.8995
43.1120
44.3294
45.5519
46.7703
48.0182
49.2621
50.5110
61.7049
63.0238
64.2877
55.5042
56.8456
1.0058
2.0175
3.0350
4.0583
5.0875
6.1225
7.1640
8.2114
9.2646
10.3237
11.3886
12.4593
13.5378
14.6221
15.7123
16.8083
17.9102
19.0179
20.1346
21.2572
22.3857
23.5199
24.0001
25.8000
20.9624
28.1240
29.2920
30.4005
31.6402
32.8317
34.0290
35.2322
36.4413
87.6561
38.8768
40.1033
41.3431
42.5887
43.8401
45.0974
46.3605
47.6294
48.9131
60.2026
61.4979
62.7991
64.1061
65.4190
66.7481
68.0830
9
3
4
a
6
7
8
9
10
11
13
13
14
15
16
17
18
19
SO
31
33
33
34
35
36
37
38
39
30
31
33
33
34
35
36
37
38
39
40
41
43
43
44
45
46
47
48
49
50
1.0067
2.0200
3.0400
4.0667
5.1000
6.1400
7.1876
8.2419
9.3028
10.3704
11.4447
12.5256
13.6158
14.7126
15.8161
16.9263
18.0431
19.1666
20.3011
21.4422
22.5900
23.7444
24.0055
26.0733
27.2538
28.4409
29.6348
30.8352
32.0424
33.2562
34.4846
35.7196
36.0613
38.2097
39.4048
40.7205
42.0046
43.2895
44.5810
45.6792
47.1840
48.4955
49.8255
51.1621
52.5054
53.8554
55.2120
56.5753
57.9592
59.3497
1.0075
2.0225
3.0450
4.0750
5.1125
6.1575
7.2112
8.2724
9.3410
10.4172
11.5009
12.5921
13.6940
14.8035
15.9204
17.0449
18.1768
19.3162
20.4680
21.6285
22.7958
23.9707
25.1531
26.3430
27.5480
28.7606
29.9807
31.2083
32.4433
33.6859
34.9460
36.2137
37.4888
38.7715
40.0616
41.3593
42.6770
44.0021
45.3348
46.6750
48.0227
49.3779
50.7558
52.1411
53.5339
54.9343
66.3421
57.7574
59.1981
60.6463
1.0083
2.0250
3.0500
4.0833
5.1250
6.1750
7.2348
8.3029
9.3794
10.4642
11.5573
12.6588
13.7726
14.8947
16.0252,
17.1640
18.3112
19.4667
20.6372
21.8161
23.0034
24.1989
5.4028
26.6150
7.8451
20.0836
30.3304
31.5855
32.8490
34.1208
35.4134
36.7145
38.0238
39.3415
40*6675
42.0018
43.3602
44.7268
46.1019
47.4852
48.8769
50.2769
61.7042
53.1399
54.5838
66.0361
67.4968
68.9657
60.4655
61.9735
RODinsonian latss hq. ss.
Monthly Values
Of $ 1.00 placed
Interest
At
at simple interest at the first of
compoimded
annual
58.1320
69.4235
60.7199
62.0213
63.3364
64.8566
65.9817
67.3118
68.6469
69.9870
71.3419
72.7019
74.0668
75.4367
76.8117
78.1916
79.5876
80.9885
82.3945
83.8054
85.2214
86.6423
88.0806
89.5238
90.9720
92.4252
93.8834
95.3466
96.8283
98.3151
99.8068
101.3035
102.8053
104.3120
105.8386
107.3701
108.9067
110.4482
111.9948
113.5461
115.1191
116.6968
118.2796
119.8673
121.4800
123.0578
124.6780
126.3033
127.9336
129.5689
SEMI-ANMALLT
Mos.
65
56.8709
58.1091
59.351S
60.5981
61.8548
63.1156
61.3806
65.6198
66.9231
68.2003
69.4889
70.7814
72.0781
73.3789
74.6839
75.9931
77.3139
78.6389
79.9680
81.3013
82.6388
83.9804
85.3345
86.6928
88.0552
89.4213
90.7925
92.1674
93.5556
94.9480
96.3445
97.7452
99.1601
100.5591
101.9823
103.4096
104.8411
106.2768
107.7166
109.1606
110.6196
112.0828
113.5501
115.0216
116.4973
117.9771
119.4729
120.9728
122.4768
123.9851
59.4238
60.7704
62.1228
63.4811
64.8573
66.2393
67.6270
69.0207
70.4201
71.8255
73.2503
74.6809
76.1174
77.5597
79.0079
80.4618
81.9370
83.1181
84.9049
86.3978
87.8961
89.4005
90.9278
92.4610
94.0000
95.5449
97.0955
98.6520
100.2333
101.8205
103.4131
105.0122
106.6169
108.2273
109.8615
111.5075
113.1563
111.8110
116.4715
118.1378
119.8323
121.5336
123.2402
124.9527
126.6710
123.3951
130.1499
131.9106
133.6770
135.4493
with
each month
5a
53
54
55
56
57
5
59
60
61
6a
63
64
65
66
67
68
69
70
71
?a
73
74
75
76
77
78
79
SO
81
sa
83
84
85
86
87
88
89
90
91
9a
93
94
95
96
97
98
99
100
S%
60.7469
62.1507
63.5612
64.9781
66.4132
67-3647
69.3179
70.7773
72.2443
73.7175
75.2156
76.7204
73.2318
79.7600
81.2747
82.8062
84.3649
35.9303
87.5023
89.0810
90.6664
92.2581
93.8302
95.5086
97.1136
93.7853
100.4337
102.0888
103.7760
105.1700
107.1708
108.8778
110.5917
112.3123
111.0678
115.8298
117.5936
119.3710
121.1561
122.9148
121.7711
126.6041
123.1437
130.2900
132.1430
131.0026
135.9026
137.8093
139.7227
111.6127
9%
62.1020
63.5659
65.0358
66.5110
68.0201
69.5312
71.0556
72.5811
71.1208
75.6616
77.2396
78.8221
80.1121
82.0096
83.6116
85.2271
86.8738
88.5280
90.1897
91.3539
93.5356
95.2198
96.9411
93.6706
100.1072
102.1511
103.9030
105.6622
107.4621
109.2696
111.0846
112.9070
114.7370
116.5745
118.1563
120.3156
122.2121
121.1167
126.0585
127.9778
129.9151
131.9200
133.9023
135.3921
137.8395
139.8943
141.9510
141.0153
146.0860
148.1661
105
63.4899
65.0146
66.5477
68.0890
69.6648
71.2489
72.3113
71.1120
76.0511
77.6635
79.3211
80.9880
82.6603
84.3408
86.0297
87.7289
89.4663
91.2140
92.9701
94.7345
96.5072
98.2883
100.1167
101.9511
103.7955
105.6179
107.5086
109.3777
111.2976
113.2256
115.1621
117.1089
119.0601
121.0316
123.0381
126.0636
127.0971
129.1389
131.1891
133.2179
135.3664
137.1981
139.6283
111.7726
113.9216
146.0350
118.3107
150.5448
152.7871
155.0373
Monthly Values
Of $1.00
placed at simple interest at the FIRST of each month
Interest
ii;
164.7215
167.1752
160.7168
172.2676
174.8275
177.3966
179.9749
182.5624
185.2450
187.9368
190.6378
193.3480
196.0673
198.7958
801.6273
204.4679
207.3177
210.1766
213.0448
215.9221
218.9105
221.9081
224.9149
227.9309
230.9560
233.9902
237.1443
240.3076
243.4800
246.6616
249.8523
253.0522
256.3810
259.7190
263.0662
266-4225
269.7880
273.1626
276.6758
280.1981
283.7296
287.2702
290.8201
294.3791
298.0867
301.8035
305.5295
309.2646
313.0089
316.7624
compounded
SEMI-ANNUALLY
At annual rates
13% |Mos.
12%
I
172.5477
175.2020
177.9640
180.7360
183.5180
186.3101
189.1121
191.9241
194.8533
197.7928
200.7418
203.7011
206.6703
209.6495
212.7560
215.8725
218 9990
222.1355
225.2820
228-4385
231.7329
235.0373
238-3517
241-6761
245.0104
248-3548
251-8484
255.3519
258-8655
262.3890
266-9226
269-4661
273.1708
276.8854
280.6101
284.3448
288.0894
291.8441
295.7725
299-7110
303.6594
307.6179
311-5863
315-5647
319-7304
323.9060
328-0917
332.2873
336-4930
340.7086
180.7978
183-6678
186.6684
189.6798
192.7020
195.7351
198.7790
201.8337
205.0311
208-2393
211-4583
214.6882
217-9289
21-1804
224-6873
228-0051
231.4337
234.8732
238-3235
41-7846
45-4148
49.0558
252.7078
256.3703
260.0438
63.7281
267-5960
71-4747
75-3643
279-2647
83.1759
287.0979
91. 190
95.3509
299.4936
303-6472
307-8116
311.9868
316.3775
320-7790
325.1914
329.6146
334-0486
338-4934
343-1713
347-8600
352.5595
357.2698
361.9910
366.7230
with
lot
109
103
104
lOS
106
107
108
109
no
111
119
113
114
115
no
117
118
no
ISO
131
199
133
134
135
120
137
138
130
130
131
139
133
134
135
136
137
138
130
140
141
149
143
144
145
146
147
148
149
150
in
I
the heading.
14%
189.4963
192.5972
195.8558
199.1261
202.4081
205.7017
209-0070
212.3240
215.8127
219.3132
222.8253
226.3491
229.8845
233.4316
237.1667
240-9134
244.6717
248.4418
252.2235
256.0168
260.0164
264.0256
268-0474
272-0810
276.1262
280.1830
284.4635
288.7556
293.0594
297-3749
301.7020
306.0408
310-6230
315-2168
819.8223
324.4394
329-0682
333-7087
338.6136
343.5302
348.4585
353.3984
358.3500
363.3133
368.5636
373.8256
379.0993
384-3846
389.6816
394.9902
15%
165
198.6647
202.0150
05.5536
09.1038
212.6665
16,2417
219.8294
23.4296
27.2350
231.0529
34-8833
38.7261
42.5815
246.4494
50.5425
54.6481
58-7662
62-8968
67.0400
71.1956
75.5980
280-0130
84-4404
88.8803
93.3328
297.7977
302.5327
307.2802
812.0401
316.8126
08.3323
211.9514
215.7908
219.6435
223.6095
227,3888
231.2815
35.1876
239.3367
43.4992
247.6760
251.8642
56.0667
260.2825
264.7663
269.2634
73.7738
78.2976
282.8347
287.3851
92.2303
297.0887
301-9605
306-8457
311.7441
316-6569
321-8914
327.1401
332.4022
337.6778
342.9663
348.2684
353-9253
369-6956
366-2792
370-9761
376.6863
382.4099
388.5220
394.6475
400.7863
406.9384
413.1039
419.2827
425.8865
432.5036
439.1340
445.7778
462.4349
469.1053
321.6976
326.3951
831.4875
336.5924
341.7099
346.8398
361.9823
357.1372
362.6139
368-1031
373-6048
379.1191
384.6458
390.1860
396.0748
401.9771
407.8919
413.8192
419.7590
426.7114
Monthly Values
Of $ 1.00
placed at simple interest at the first of each month
Interest
At
compounded
annual
65
209.8060
211.6807
213.5596
215.4426
217.3299
219.2213
221.1389
223.0606
224-9865
226.9106
228-8509
230.7893
232-7551
234.7250
236.6992
238-6775
240-6599
242.6465
244.6617
224.7017
226.8246
228.9526
231-0855
233-2234
235-3663
237-5482
239.7350
241.9268
244.1236
246.3255
248.5323
250-7800
253.0326
255.2903
257-5530
259.8206
262.0933
264.4087
246.6ill 266.7292
248.7046 269.0547
250.7323 271.3851
252.7642 273.7206
254.8002 276.0611
256.8660 278-4464
258-9360 280-8367
261.0102 283.2320
863.0885 285.6323
265.1710 288.0376
267.2577 290-4479
269.3754 292.9052
271.4974 295-3074
273.6234 297.8346
275.7537 300-3069
277.8881 302-7841
280.0266 305.2664
282.1976 307-7977
284.3727 310.3340
286.5520 312.8753
288.7354 315.4217
290.9230 317-9730
293.1148 320.5293
295-3403 323.1370
297-5699 325.7496
299.8037 328.3673
302.0417 330.9899
304.2839 333.6176
306.5302 336.2502
308-8116 338.9305
311.0971 341.6277
240.8674
243.2702
245.6787
248.0931
250.5134
252.9395
255.4208
257.9079
260.4009
262.8997
265.4044
207.9148
270.4835
273.0580
275.6384
278-2245
280.8165
283.4144
286.0734
288.7384
291.4091
294.0857
296-7681
299-4564
302.2090
304.9675
307.7319
310.5020
313.2780
31^.0598
318-9094
321.7647
324-6259
327-4929
330.3058
333.2444
330.1942
339.1498
342.1112
345.0785
348.0516
351.0305
354.0840
357.1433
360.2085
863-2795
366-3504
369.4391
872-0000
375-7067
^with
SEMI-ANNUALLY
Mos.
151
153
153
154
155
156
157
158
159
160
161
163
163
164
165
166
167
168
169
170
171
173
173
174
175
176
177
178
179
ISO
181
183
183
184
185
186
187
188
189
190
191
193
193
194
195
196
197
198
199
300
105
8$
258.4172
261.1353
263.8600
266.5914
269.3294
272.0741
274.8946
277.7218
280.5S56
283.3961
280.2432
289.0971
292.0311
294.9717
297.9190
300.8730
303.8330
306.8010
809.8530
312.9116
315.9770
319.0490
322.1277
325.2130
328.3878
331.5692
334.7573
337.9520
341.1534
344.3615
347.6639
350.9730
354.2887
357.0112
300.9402
864.2760
367.7112
871.1530
374.6015
378.0567
381.5185
884.9870
388.5003
892.1402
395.7268
899.3200
402.9199
406.5205
410.2433
413.9669
277.4759
280.5489
283.6295
286.7176
289.8132
292.9102
296.1206
299.3325
302.5519
305.7787
309.0131
312.2550
315.0044
318.9013
322.3257
325.0970
329.0770
332.4639
335.9649
339.4734
342.9894
346.5129
350.0438
353.5823
357.2417
300.9086
364.5829
368.2648
371.9542
375.6510
379.4759
383.3083
387.1482
390.9956
394.8504
398.71^8
403-7107
406.7160
410.7289
414.7492
418.7771
422.8124
426.9910
431.1771
435.3707
439.5718
443.7804
447.9965
452.3639
456.7389
298.1791
301.6517
305.1327
308.6220
312.1196
315-6256
319.2641
322.9110
320.5062
330.2293
333.9010
337.5819
341.4034
345.2332
349.0714
352.9179
356.7728
360.6359
364.0490
368.6715
372.7018
370.7405
380.7874
384.8427
389.0581
393.2818
397-5138
401.7542
406.0029
410.2599
414.6870
419.1225
423.5664
428.0185
432.4790
436.9479
441.5974
446.2553
450,9216
455.5961
460.2790
464.9703
409.8534
474.7448
479.6445
484-5526
489.4690
494.3938
499.5221
504.0875
Robinsonian laoie no.
seo.
Monthly Values
Of $ 1.00 paid
Interest
At the
6%
1.0042
.0133
3.02S1
4.0418
5.0628
6.0881
7.1178
8.1515
9.1896
10.2321
11.2789
12.3300
13.3856
14.4455
15.5090
16.5786
17.6519
18.7296
19.8118
20.8985
21.9898
23.0856
24.1859
25.2909
26.4001
27.51*6
28.6334
29.7569
30.8850
32.0178
33.1554
34.2978
35.4448
36.5967
37.7533
38.9148
40.0811
41.2323
42.4283
43.6093
44.7953
45.9860
47.1818
48.3825
49.5883
50.7991
52.0149
53.2358
54.4618
63.6929
at the
annual
1.0050
2.0150
3.0301
4.0503
3.0755
6.1059
7.1414
8.1821
9.2280
10.2792
11.3356
12.3972
13.4642
14.5365
15.6142
16.6973
17.7858
18.8797
19.9791
21.0840
22.1944
23.3104
4.4320
35.5591
6.6919
37.8304
28.9745
30.1244
31.2800
32.4414
33.6086
34.7817
35.9606
87.1454
38.3361
39.3328
40.7354
41.9441
43.1588
44.3796
45.6065
46.8396
48.0788
49.3242
50.5738
51.8337
53.0078
54.3683
65.5452
56.9284
first of each
compounded
1.0038
2.0173
3.0351
4.0387
5.0882
6.1237
7.1633
8.2129
9.2666
10.3265
11.3926
12.4649
13.3434
14.6283
13.7194
16.8170
17.9209
19.0313
20.1481
21.2715
22.4014
23.5379
34.6810
5.8308
26.0874
28.1506
9.3307
30.4975
31.6813
32.8719
34.0693
33.2741
36.4857
37.7043
38.9301
40.1630
41.4031
42.6505
43.9051
45.1671
46.4364
47.7131
48.9972
60.2889
51.5881
52.8948
54.3092
53.5313
56.8611
58.1986
monthwith
MONTHLT
Mos.
s%
9%
lO^
1.0067
2.0200
3.0402
4.0671
5.1009
6.1416
7.1892
8.2438
9.3054
10.3741
11.4499
12.5329
13.6231
14.7206
15.8254
16.9376
18.0572
19.1842
0.3188
21.4609
22.6107
3.7681
24.9332
26.1061
27.2868
28.4734
0.6719
30.8763
32.0889
33.3094
34.3382
35.7751
37.0203
38.2737
39.5356
40.8058
42.0845
43.3717
44.6673
45.9720
47.2851
48.6070
49.9378
51.2773
62.6259
53.9834
55.3409
56.7256
58.1104
59.5045
1.0075
3.0226
3.0452
4.0736
5.1136
6.1595
7.2132
8.2748
9.3443
10.4219
11.5076
12.6014
13.7034
14.8137
15.9323
17.0593
18.1947
19.3387
30.4912
21.6524
32.8223
24.0010
25.1883
26.3849
37.5903
28.8047
30.0282
31.2609
32.3029
33.7343
35.0148
36.2849
1.0083
3.0251
3.0503
4.0840
6.1264
6.1775
7.2373
8.3059
9.3835
10.4700
11.5663
12.6703
13.7843
14.9074
16.0400
17.1820
18.3335
19.4946
20.6654
21.8459
33.0363
24.2366
25.4469
36.6673
37.8979
39.1387
30.3898
31.6514
33.9335
34.2062
33.4996
36.8038
38.1188
39.4448
40.7818
42.1300
43.4894
44.8602
46.2423
47.6360
49.0413
50.4583
61.8871
63.3379
64.7806
66.2454
57.7235
59.3118
60.7138
62.2278
9
3
4
5
6
T
8
9
to
11
la
13
14
15
16
IV
18
19
30
SI
3a
23
34
35
36
37
38
39
30
31
33
33
34
35
36
3Y
38
39
40
41
43
43
44
45
46
47
48
49
50
87.5646
38.8538
40.1527
41.4614
42.7798
44.1083
45.4465
46.7948
48.1533
49.5219
50.9009
62.2901
53.6898
65.1000
56.5207
57.9521
69.3943
60.8473
Robinsonian Table No.
Monthly Values
126.
Monthly Values
Of $ 1.00 paid
Interest
At the
Iti
65.8403
66.8475
68.4694
70.1062
71.7580
73.4230
75.1072
76.8049
78.5181
80.2470
81.9918
83.7525
85.5294
87.3226
89.1322
90.9384
92.8014
94.6612
96.5381
98.4322
100.3437
102.2727
104.2193
106.1839
108.1664
110.1671
112.1861
114.2236
116.2798
118.3549
120.4490
122.5623
124.6949
126.8471
129.0191
131.2109
133.4228
135.6531
137.9077
140.1811
142.4752
144.7904
147.1268
149.4846
151.8641
154.2653
156.6886
159.1341
161.6020
at the
first of each month
with
compounded HON THLT

annual
12$
66.7689
68.4466
70.1410
71.8525
73.5810
75.3268
77.0901
78.8710
80.6697
82.4864
84.3212
86.1744
88.0462
80.9366
91.8460
93.7745
95.7222
97.6894
09.6763
101.6831
103.7099
105.7570
107.8246
109.9128
112.0220
114.1522
116.3037
118.4767
120.6715
122.8882
125.1271
127.3884
129.6723
131.9790
134.3088
136.6619
139.0385
141.4389
143.8633
146.3119
148.7850
151.2829
153.8057
156.3538
158.9273
161.5266
164.1S18
166.8033
169.4814
164.0925 172.1862
13;
68.3419
70.0932
71.8633
73.6527
75.4614
77.2898
79.1379
81.0061
82.8944
84.8033
86.7328
88.6833
90.6548
92.6478
94.6623
96.6986
08.7670
100.8377
102.9410
105.0670
107.2161
109.3884
111.5843
113.8039
116,0477
118,3157
120.6083
122.9257
125.2682
127.6361
130.0297
132.4492
134.8949
137.3671
139.8660
142.3921
144.9455
147.5266
150.1356
152.7729
155.4388
158.1335
160.8575
163.6109
166.3942
169.2077
172.0516
174,9263
177.8322
180.7695
Mos.!
51
53
53
54
55
56
57
58
59
60
61
6a
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
SO
81
89
83
84
85
86
87
88
89
90
91
93
93
94
95
96
97
98
99
lOO
14%
69.9609
71.7887
78.6379
73.5087
77.4013
79.3160
81.2530
83.2126
85.1951
87.2007
89.2297
91.2824
93.3591
95.4399
97.5863
99.7354
101.9107
104.1113
106.3376
108.5899
110.8684
113.1736
115.6056
117-8648
120.2516
122.6662
125.1089
127.5802
130.0803
132.6096
135.1684
137.7670
140.3758
143.0252
146.7035
148.4171
151.1603
153.9356
166.7431
159.5834
162.4669
165.3639
168.3048
171,2800
174.2899
177.3350
180,4155
183.5321
186.6849
189.8746
ISfc
71.6271
73.5349
75.4666
77.4225
79.4027
81.4078
83.4379
85.4933
87.5745
89.6817
91.8152
93.9764
96.1626
98.3771
100.6193
102.8896
106.1882
107.6156
109.8720
112.2570
114.6736
117.1195
119.5960
122.1036
124.6423
127.2128
129.6156
132.4507
135.1188
137.8203
140.6565
143.3260
146.1290
148.9682
151.8428
154.7533
157.7002
160.6840
163.7050
166.7638
169.8609
172.9966
176.1716
179.3862
182.6411
185.9366
189.2733
102.6517
196.0723
190.5357
16^
73.3421
76.3334
77.3511
79.3958
81.4676
83.5673
85.6949
87.8608
90.0355
92.2493
04.4926
96.7659
99.0694
101.4037
103.7691
106,1660
108.5949
111.0561
113.3502
116.0776
118.6386
12I.S338
123.8636
126.5284
129.2288
131.9652
134.7380
137.6479
140.3952
143.2804
146.2042
149.1669
162.1691
166.2114
158.2942
161.4181
164.5837
167.7915
171.0420
174.3359
177.6737
181.0561
184.4835
187.9566
191.4760
195.0424
198.6563
202.3183
206,0292
209.780*
Robinsonian Table no. zo.
Monthly Values
Interest compounded MONTHLY

At the annual rates in. the heading.
Of f 1.00
5%
125.7777
127.3060
128.8406
130.381S
131.9200
133.4829
135.0432
136.6100
138.1834
139.7633
141.3499
142.9430
144.5427
146.1492
147.7623
149.3821
151.0087
152.6421
154.2823
155.9293
157.5832
159.2439
160.9116
162.5862
164.2678
165.9565
167.6521
169.3548
171.0646
172.7816
174.50^7
176.2369
177.9754
179.7212
181.4742
183.2345
185.0021
186.7771
188.5595
190.3494
192.1467
193.9514
195.7637
197.5836
199.4110
201.2461
203.0887
204.9391
206.7978
208.6630
6%
131,6353
133.2984
134.9699
136.6493
138.3380
140.0347
141.7399
143.4536
145.1759
146.9067
148.6463
150.3945
152.1515
153.9172
155.6913
157.4753
159.2677
161.0690
162.8793
164.6987
166.5272
168-3649
170.2117
172.0673
173.9331
175.8078
177-6918
179.5853
181.4882
183.4006
185 .3223
187.2542
189.1055
191.1465
193.1072
195.0778
197.0582
199.0481
201.0487
203.0589
205.0792
207-1093
209.1502
211.2009
213.2619
215.3332
217.4149
219.5070
221.6095
223.7226
paid at the first of each month
7%
137-8399
139.6498
141.4703
143.3013
145.1431
146.9953
148.8589
150.7331
152.6182
154.5143
156.4215
158.3398
160.2693
162.2100
164.1620
166.1255
168-1004
170-0863
172.0848
174-0945
176.1159
178.1490
180.1941
182.2510
184.3200
186.4010
188.4942
190-5993
192-7172
194.8473
196-9897
199-1446
201.3122
203.4923
205-6852
207-8908
210.1094
212.3409
214.5853
216.8420
219.1137
221.3977
223.6950
226.0057
238.3299
230.6677
233-0191
235.3842
237.7631
240-1559
Mos.
lOl
109
103
104
105
106
107
108
109
llO
111
iia
113
114
lis
116
117
118
119
130
131
123
133
134
135
136
137
138
129
130
131
133
133
134
135
136
137
138
139
140
141
143
143
144
145
146
147
48
149
ISO
a%
144.4143
146.3837
148.3663
150.3620
152.3711
154.3936
156.4295
158.4791
160-5423
162-6192
104-7100
106-8147
168-9335
171-0664
173-3135
175.3749
177.5503
179-7411
181.9460
184-1657
186-4001
188.6494
190.9138
193.1923
195.4878
197.7977
200.1231
S02.4639
204.8203
307.1924
209.5804
311.9843
314.4042
216.8402
219-2925
321-7611
324.3461
236.7478
229-2661
331.8013
334.3533
336.9332
339.5084
343.1118
344.7325
347-3707
350-0265
SS3-700I
255.3914
358.1007
^with
9%
151.3825
153.5254
155-6843
157.8595
160.0509
162-2588
164-4832
166.7243
168.9823
171.8572
173.5491
175.8582
178.1846
180.5285
182.8900
185.2692
187.6602
190.0812
192.5143
194.9656
197.4354
199.9333
302.4306
304.9563
207-5010
310.0647
212.6477
215.2501
317.8719
220.5135
223.1748
225-8561
228-5676
231.2793
234.0213
336.7840
239.5674
242.3716
245.1969
248.0434
350.9112
253.8006
256.7116
250.6444
262.5992
366.5762
268.5756
371.5974
274-6419
277.7092
19%
158.7705
161.1019
163.4528
165.8232
168.2134
170.6235
173-0537
175.5042
177.9750
180.4665
182.0787
185.5119
188.0661
190.6417
193.2387
195.8573
198.4978
201.1603
203.8450
206.5530
309.2816
212.0340
214.8093
217-6077
220.4294
223.3746
226.1436
229-0365
331-9634
234.8947
337.8605
240.8510
343.8664
346.9070
249.9720
253-0643
256.1815
250.3347
262.4941
265.6898
268-0123
273-1615
375.4370
878.741S
382.0727
285.4316
288.8186
802.8337
295.6778
200.1407
Monthly Values
Interest compounded MONTHLT

At the annual rates in the heading.
Of $ 1.00
5%
65
paid
Bit
7%
the
end
of each
month
^with
Monthly Values
Interest compounded MONTELT

the annual rates in the heading.
Of $ 1.00
At
5%
125.2558
186.7777
128.3060
129.8406
131.3816
132.9890
134.4889
136.0432
137.6100
139.1834
140.7633
142.3499
143.9430
145. 5427
147.1493
148.7623
150.3821
152.0087
153.6421
155.2823
156.9893
158.5832
160.2439
181.9116
163.5862
165.2678
166.9565
168.6521
170.3548
172.0646
173.7816
175.5057
177.8369
178.0754
18.7212
182.4742
184.2345
186.0021
187.7771
189.5595
191.3494
193.1467
194.9514
196.7637
198.5836
200.4110
202.2461
204.0887
805.9391
807.7972
6%
130.9804
132.6353
134.2984
135.9699
137.6498
139.3380
141.0347
142.7399
I44.453S
146.1759
147.9067
149.6463
151.3945
153.1515
154.9172
156.6913
158.4753
160.2677
162.0690
163.8793
185.6987
167.5272
169.3649
171.2117
173.0678
174.9331
176.8078
178.6918
180.5853
182.4882
184.4008
186.3226
188.2542
190.1955
192.1465
194.1079
196.0778
198.0582
200.0484
202.0487
204.0589
206.0792
208.1096
810.1502
212.2009
214.2619
216.3332
218.4149
220.5070
222.6095
paid at the
end
*%
Mos.
137.0405
138.8399
140.6498
142.4703
144.3013
146.1431
147.9956
149.8589
151.7331
153.6182
155.5143
157.4215
159.3398
161.8692
163.2100
165.1620
167.1855
169.1004
171.0868
173.0848
175.0945
177.1159
179.1490
181.1041
183.2510
185.3800
187.4010
189.4942
191.5996
193.7172
195.8473
197.9897
800.1448
202.3188
204-4923
206.6852
208.8908
211.1094
813.3409
215.5853
217.8429
830.1137
222.3977
824.6950
227.0057
229.3299
231.6677
334.0191
836.3843
838.7631
to I
109
103
104
105
106
107
108
109
llO
111
113
113
114
115
116
117
118
119
120
131
133
133
134
13S
136
137
138
139
130
131
133
133
134
135
136
137
138
139
140
141
143
143
144
145
146
147
148
149
150
of each
month
9%
8 fo
143.4579
145.4143
147.3837
149-3663
151.3620
153.3711
156.3936
157.4295
159.4791
161.5423
163.6193
165-7100
167-8147
169-9335
178.0664
174-2135
176.3740
178-5508
180.7411
182-9460
185-1657
187.4001
189.6494
191.9138
194.1923
196.4878
198.7977
201.1331
203.4639
205.8203
208.1924
10.5804
S12.0843
215.4042
217-8402
230-2935
222-7611
225.2461
227-7478
230.3661
232-8012
235.3532
237-9332
240.5084
243.1118
245-7325
248.3707
251.0265
853.7001
356.3914
^with
'
'
'
150.2556
153.3825
154-5254
156.6843
158.8595
161-0509
163-2588
165-4832
167.7243
160.9823
172.2572
174.5491
176.8582
179.1846
181.5285
183.8900
186.2692
188.6662
191.0812
193.5143
195.9656
198.4354
200.9336
203.4306
205.0563
308.5010
211.0647
213.6477
216.2601
218.8719
221.5135
224.1748
236.8&61
229.5576
232.3793
235.0213
237.7840
240.5674
243.3716
246.1969
249.0434
251.9112
254.8006
257.7116
260.6444
263.5998
266.5762
269-5756
273.6974
275.6419
io%
157-4583
159.7705
162-1019
164-4528
166-8332
169-2134
171.6335
174.0537
176.5043
178.9750
181.4665
183.9787
186.5119
189.0661
191.6417
194.2387
196-8573
199.4978
202.1603
204.8450
207.5520
810.2816
313-0340
215.8093
218.6077
221.4294
224.2746
227.1486
230.0365
232.9534
335.8947
838.8605
241.8510
244.8664
247.9070
250.9739
354.0643
257.1815
260.3247
263.4941
266.6898
269.9123
273.1616
276.4379
279.7416
383.0787
286.4316
289.8186
293.2337
296.6773
Monthly Values
Of $1.00
paid at the
Interest
At the
11!
12^
end
annual
13%
with
MONTHLY
of each month
compounded
Robinsonian Tassie
G>ao. is/.
Monthly Values
Monthly Values
Monthly Values
Monthly Values
Of 9 1-00 paid
Interest
&%
At the
6%
210.8308
212.1163
213.9970
215.8928
217.7928
219.8970
221.6165
223.5403
225.4683
227.4118
229.3596
231.3115
233.2795
235.2316
237.2279
239.2205
241.2173
243.2183
243.23S9
247.2576
249.2835
231.3264
233.3734
255.4245
257.4930
259.5656
261.6424
263.7367
265-8352
267.9379
270.0685
272.1832
274.3121
276.4592
278.6105
280.7660
282.9400
285.1182
287.3008
289.5018
291.7073
293.9168
296.1457
298.3787
300.S153
302.8725
305.1334
307.3985
309.6835
311.9727
at the
compounded
annual
225.3803
S27.506S
229.6379
231.7910
233.9492
236.1124
838.2980
240.4885
242.6841
244.9025
247.1239
249.3344
251.6061
253.8629
256.1247
258.4103
260.7009
262.9968
265.3165
267.6415
269.9715
273.3264
S74.6863
277.0511
279.4413
281.8366
284.2338
286.6630
289.0942
291.5304
293.9930
296.4607
298.9334
301.4330
303.9377
306.4474
308.9846
311.5268
314.0741
316.6494
319.2298
321.8132
324.4292
327.0483
329.6724
332.3238
334.9841
337.6475
340.3407
343.0390
7fe
241.8710
244.2795
246.6939
249.1388
251.5895
254.0461
256.5339
259.0275
261.5269
264.0583
266.5955
209.1386
271.7144
274.2961
276.8835
279.5045
282.1314
284.7640
287.4310
290.1038
292.7824
295.4961
298.2157
300.9411
303.7024
306.4695
309.2425
812.0523
314.8679
317.6893
320.5483
323.4132
326.2838
329.1930
332.1080
335.0288
337.9890
340.9550
343.9268
346.9389
349.9568
352.9805
356.0454
359.1161
362.1927
365.3113
368.4358
371.6661
374.7394
377.9185
first of each month
^with
QUARTEELT
Mos.|
15t
153
153
154
155
156
157
158
159
160
161
169
163
164
165
166
167
168
169
i*o
171
179
173
174
175
176
177
178
179
189
181
189
183
184
185
186
187
188
189
199
191
199
193
194
195
196
197
198
199
360
8%
95
lO^
859.842S 379.4371 300.8133

262.5697 882.5248 304.3077
263.3038 385.6200 307.8104
268.0793 388.7690 311.3830
270.8613 291.9268 314.9656
273.6499 395.0914 318.6657
276.4809 398.3121 323.2187
279.3185 301.5403 326.8900
282.1629 304.7760 329.5696
286.0506 308.0693 333.3243
287.9451 811.3701 337.0874
290.8461 814.6784 340.8688
293.7918 318.0460 344.7077
296.7441 321.4211 348.5648
299.7031 324.8037 362.4303
302.7077 328.2473 356.3766
306.7191 331.6983 360.3291
308.7371 335.1568 364.2911
311.8020 338.6780 368.3362
314.8736 342.2066 372.3876
317.9519 346.7428 376.4483
321.0782 349.3434 380.5937
824.2113 362.9315 384.7475
327.3509 356.3670 388.9096
830.5399 360.2488 393.1588
333.7356 363.9380 397.4164
336.9379 367.6348 401.6823
340.1908 371.3996 406.0380
343.4504 375.1718 410.4020
346.7167 378.9516 414.7743
350.0348 382.8012 419.2391
363.3696 386.6383 433.7123
356.6910 390.6230 428.1937
360.0756 394.4594 432.7703
363.4669 398.4033 437.3563
366.8648 402.3548 441.0486
370.3173 406.3799 446.6398
373.7764 410.4126 461.3394
377.2421 414.4527 466.0473
380.7637 418.5686 460.8560
384.2920 432.6920 465.6731
387.8270 436.8229 470.4984
391.4193 431.0316 475.4276
395.0180 435.2478 480.3651
398.6235 439.4714 485.3109
402.2877 443.7730 490.3635
405.9585 448.0860 495.4244
409.6360 462.4045 500.4937
413.3736 466.8061 505.6728
417.1178 461.2131 610.8602
Robihsonian Table No. 29.
Monthly Values
Monthly Values
Of $1.00 paid
Interest
At the
I
125.1443
126.6615
128.1892
129.7212
131.2572
132.8041
134.3552
135-9105
137.4768
139.0472
140.6218
142.2078
143.7979
I4S.3921
146.9979
148.6079
150.2220
151.8479
153.4780
155.1123
156.7586
158.4091
160.0637
161.7306
163.4017
165.0770
166.7648
168.4568
170.1530
171.8619
173.5751
176.2924
177.0227
178.7573
180.4960
182.2481
184.0043
185.7647
187.5387
189.3160
191.0993
192.8955
194.6959
196.5005
198.3193
200.1422
201.9693
203.8108
205.6565
207.5064
at the
compounded
annual
6$
130.8106
132.4583
134.1208
135.7879
137.4601
139.1474
140.8397
142.5370
144.2497
145.0674
147.6901
149.4286
151.1720
152.9205
154.6851
156.4547
158.2293
160.0204
161.8166
163.6177
165.4358
167.2569
169.0870
170.9324
172.7828
174.6383
176.51;^
178.3897
180.2728
182.1742
184.0806
185.9919
187.9219
1 89.. 85 69
191-7968
193.7558
195.7198
197.6888
199.6772
201.6707
203.6691
205.6874
207-7108
209.7391
211.7878
213-8415
215-9002
217.9797
220.0642
222.1537
end
136.7962
138.5851
140.3935
142-2077
144.0278
145.8680
147.7140
149.5658
151.4383
153.3166
155.2007
157.1060
159-0172
160.9342
162.8730
164.8176
166.7681
168.7409
170.7195
172.7040
174.7114
176.7247
178.7438
180.7865
182.8350
184.8893
186-9670
189-0522
191.1424
193-2574
195.3782
197.5049
199.6570
201.8149
203.9787
206.1686
208.3643
210.5659
212.7942
215.0283
217.2683
219.5357
221.8089
224.0880
226.3951
228.7081
231-0270
233-3746
235.7281
238.0875
of each
month
with
QTJABTEBLY
Mos.
85
lOl
loa
103
104
lOS
106
107
108
109
110
111
iia
113
114
115
116
117
118
119
120
131
143.1204
145.0621
147.0292
149-0029
150.9833
152.9899
155-0031
167-0230
159.0698
161-1233
163-1834
166.2713
167.3659
169.4671
171.5969
173.7333
175.8765
178.0490
180-2281
182-4140
184.6301
186.8528
189.0823
191-3428
193-6100
195-8839
198.1898
200.5024
202.8216
205-1737
207.5325
209.8980
212.2973
214.7033
217.1160
219.5634
222.0175
224.4783
226.9748
229-4780
231.9879
234.6345
237.0877
239.6476
242.2453
244.8496
247.4606
250.1103
252.7667
256.4298
133
133
134
135
136
137
138
139
130
131
133
133
134
135
136
137
138
139
140
141
143
143
144
145
146
147
148
149
150
9%
149.8037
151.9108
164.0501
156.1969
168.3513
160.5389
162.7340
164.9367
167.1737
169.4182
171.6702
173.9578
176.2528
178.5663
180.8945
183.2412
185.5953
187.9873
190.3868
192.7937
195-3207
197.6931
200.1641
202.6552
205.1639
207.6800
210.2376
212.8027
215.3753
217.9907
220.6136
223.2438
226.9181
228-5999
231-2893
234.0239
236-7661
239-5168
242.3122
246.1160
247.9274
260.7868
253.6638
256.5283
259.4522
262.3837
265.3226
268.3126
271.3100
274.3149
109
166.8680
159.1540
161.4803
163.8149
166.1578
168.5425
170-9366
173.3368
175.7812
178.2341
180.6952
183.2010
185.7161
188-2376
190.8062
193.3832
195.9686
198.6016
201.2430
203.8927
206.5918
209.2993
212.0160
214.7818
217.5570
220.3404
223.1766
226.0211
228.8739
231.7812
234.6968
237.6208
240-6010
243.6895
246.5863
249.6412
252-7044
255.7760
268.9074
262.0472
265.1954
268.4053
271.6236
274.8502
278.1407
281.4394
284.7465
288.1194
291.5006
294.8902
Robinsonian Table No. x.
Monthly Values
Of $1.00
paid at the
Interest
At the
5%
208.3710
211.2398
213.1127
215.0007
216.8928
218.7891
220.7008
222.6165
S24.5365
226.4721
228.4118
230.3657
232.3155
234.2795
236.2476
238-2320
240.2205
242.2132
244.2225
816.2359
248.2534
250.2878
252.3264
254.3691
256.4280
258.4930
260.5612
262.6469
264.7367
268.8307
268.9425
271.0585
273.1786
275.3168
277.4592
279.6058
281.7708
283.9400
286.1134
288.3055
290.5018
292.7083
294.9219
297.1457
299.3736
301.6210
303.8725
303.1283
308.4038
310.6835
compounded
annual
efo
224.2645
226.3803
228.5010
230.6435
232.7910
234.9435
237.1183
239.2980
241.4827
243.6901
245.9025
248.1199
250.3605
252.6061
254.8567
257.1310
259.4103
261.6946
264.0031
266.3165
288.6350
270.0782
273.3264
275.6795
278.0579
280.4413
282.8297
285.2439
287.6630
290.0872
292.5376
294.9930
297.4535
S99.9407
302.4330
304.9303
307.4549
309.9846
312.5192
315.0818
317.6494
320.2S20
322.8231
325.4292
328.0404
330.6806
333.3258
335.9760
338.6558
341.3407
end
7%
240.4763
242.8710
245.2715
247.7022
250.1388
252.5812
255.0546
257.5339
260.0189
262.53S7
265.0583
267.5867
870.1477
272.7144
275.2870
277.8929
280.5045
283.1220
285.7736
888.4310
291.0942
293.7922
296.4961
299.2058
301.9518
304.7024
307.4594
310.2529
313.0523
315.8575
318.7000
321.5483
324.4025
327.2943
330.1930
333.0970
336.0401
338.9890
341.9437
344.9384
347.9389
350.9452
363.9924
357.0454
360.1043
363.2049
366.3113
369.4236
372.5786
375.7394
with
QUABTEBLY
of each month

9Ios.
151
isa
153
154
155
156
15V
158
159
160
161
16a
163
164
165
166
167
168
169
176
171
173
173
174
175
176
177
178
179
ISO
181
183
183
184
185
186
187
188
189
lOO
191
19a
193
194
195
196
197
198
199
300l
S%
268.1327
860.8422
863-5584
866.3154
869.0792
871.8496
274.6619
877.4809
880.3065
883. 1753
886.0506
288.9327
891.8589
894.7918
297.7313
300.7162
803.7i077
306.7060
309.7507
312.8020
315.8601
318.9658
322.0782
325.1973
328.3653
331.5399
334.7212
337.9527
341.1908
344.4356
347.7319
351.0348
354.3444
357.7067
361.0766
364.4512
367.8809
371.3173
374.7603
878.2687
881.7637
385.2755
388.8440
392.4192
396.0010
399.6410
403.2877
406.9410
410.6530
414.3736
9%
277.3723
280.4371
283.5095
886.6358
889.7696
298.9109
296.1078
899.3121
302.5239
305.7929
309.0693
312.3532
315.6959
319.0460
322,4037
325.8217
329.2472
332.6803
336.1754
339.6780
343.1881
346.7620
350.3434
353.9323
357.5868
361.2488
364.9183
368.6552
372.3996
376.1614
379.9726
383.8012
387.6373
391.5446
395-4594
399.3817
403.3770
407.3799
411.3903
415.4757
419.6688
423.6691
42'7.8466
432.0316
438.2241
440.4968
444.7750
449.0617
453.4296
457.8051
lO%
298..?476
301.8133
305.2874
308.8315
312.3839
315.9446
319.5775
323.2187
826.8682
330.5921
334.3243
338.0649
341.8821
345.7077
349.6415
353-4544
367.3766
361.3051
365-3160
369.3368
373.3627
377.4741
381.5937
385.7218
389.93^1
394.1688
398.3898
402.7097
407.0380
411.3746
415.8027
420.2391
424.6839
429.2230
433.7703
438.3260
442.9787
447.6398
452.3098
457.0784
461.8560
466.6419
471.6306
476.4276
481.3329
486.3441
491.3636
496.3913
601.527S
606.6728
Robinsonlan Table No. 29.
Monthly Values
Of $1.00
paid at the
Interest
11!
At the
ia%
321.2263
325.1141
329.0712
333.0876
337.1133
341.1481
345.2753
349.4117
3S3.5572
357.7981
362.0482
386.3075
370.6653
375.0323
379.4085
383.8864
388.3734
392.8697
397.4710
402.0815
406.7011
411.4292
416.1665
420.9129
425.7713
430.6388
435.5155
440.5077
445.5091
450.5197
455.6494
460.7884
465.9365
471.2075
476.4878
481.7772
487-1935
492.6190
498.0536
503.6191
509.1937
514.7776
520.4964
526.2243
531.9614
537.8378
543.7232
549.6179
555.8560
561.7034
compounded
annual
316.1923
350.6200
355.0577
359.6083
864.1689
368.7395
373.4269
878.1243
382.8317
387.6601
392.4983
397.3466
402.3201
407.3035
412.2970
417.4200
422.5529
427.6959
432.9789
438.2598
443.5568
448.9924
454.4379
459.8935
465.4924
471.1014
478.7203
482.4875
488.2647
494.0519
499.0924
505.9430
511.9035
518.0225
524.1515
530.2906
536.5935
542.9064
549.2293
555.7216
562.2239
568.7362
575.4235
582.1209
588.8283
595.7165
602.6148
609.5231
616.6183
623.7236
end
18%
873.4483
378.4508
383.4641
888.6183
893.7833
398.9592
404.2812
409.6141
414.9578
420.4532
425.9594
431.4765
437.1508
442.8359
448.5319
454.3910
460-2610
466-1417
472.1916
478.2523
484.3238
490.5707
496.8283
503.0969
509.5471
516.0081
622.4800
529.1402
535.8112
542.4931
549.3701
556.2580
563.1566
570.2575
677.3692
684-4917
69l.8'a37
699.1665
606.5202
614.0908
621.6723
629.2646
637.0816
644.9095
652.7482
660.8198
668.9019
676.9950
885.3291
693.6741
with
of each month
QUARTEBLY
rates in the HEADiwa.
|Mos.
I
161
152
153
154
155
156
157
158
159
160
161
163
163
164
165
166
167
168
169
170
171
17a
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
193
193
194
195
196
197
19S
199
SOO
14%
403.2171
408.8872
414.5289
420.3651
426.2129
432.0724
438.1133
444.1658
450.2300
456.4826
462.7470
469.0230
475.4949
481.9785
488.4738
495.1727
501.8832
608.6054
615.5391
522.4845
529.4416
536.6184
543.8069
651.0070
658.4355
565.8755
673-3273
581.0161
588.7166
696.4287
604.3871
612.3571
620-3387
628.5760
636.8260
645.0856
653.6116
662.1493
670.6986
879.6234
688.3599
697.2080
706.3421
715.4879
724-6453
734.0995
743.5654
753.0429
762.82B4
772.6256
15%
435.7433
442.1230
418.6152
455.1218
461.7405
468.3720
475.2266
482.0938
488.9734
496.0856
503.2103
510.3474
517.7268
625.1188
532.5230
540.1796
617.8185
655.6301
563.1712
571.1308
679.3999
587.6124
696.8974
604.1649
612.7170
621.2816
629.8586
638.7319
647.6178
656.5168
665.7223
674.9412
684.1727
693.7248
703.2895
712-8666
722.7775
732.7008
742.6366
752.9196
763.2161
773.6230
784.1921
794.8736
805.5676
816.6372
827.7193
838-8139
850-2991
861-7968
16%
471.2960
478.4975
485.7123
493.1884
500.6779
508.1807
615.9665
623.7456
531.5480
539.6353
547.7359
555.8499
664.2612
572.6859
581.1239
589.8722
698.8339
807.4088
616.6076
625.6197
634.7452
644.2085
853.6851
663.1750
673.0173
682.8730
692.7420
702.9786
713.2286
723-4917
731-1382
714-7981
755-4714
768-5443
777.8306
788.7302
800.2466
811.7763
823.3194
835.2970
847.2879
859-2922
871-7494
884-2200
896-7039
909.6599
922.6293
935.8120
919.0869
962.5760

1 Robinsonian Building Loan Interest Tables 1909 J.watts Robinson

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1 Robinsonian Building Loan Interest Tables 1909 J.watts Robinson

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ROBINSONIAN PUBLICATIONS.

ROBINSONIAN UNIVERSAL INTEREST TABLES.

ROBINSONIAN s, 6, 7 and 8 PER CENT. INTEREST BOOK.

and at all other rates very quickty. Also gives Interest

basis at these rates immediately,

ROBINSONIAN INTEREST ON DAILY BALANCES.

PER CENT. INTEREST BOOK.

ROBINSONIAN STERLING EXCHANGE TABLES.

ROBINSONIAN BOND AND INVESTMENT TABLES.

ROBINSONIAN MULTIPLICATION AND DIVISION TABLES.Giving Multiples of

eighths and s&teenths.

numbers from i to 1000, by all from

ROBINSONIAN UNIQUE CALCULATOR.

with additions and improved form.

ROBINSONIAN RAILWAY CALCULATOR.

as Multiplication and Division Tables, except fractions.

ROBINSONIAN BUILDING LOAN INTEREST TABLES.Indispensable for Building and

SAVINGS BANK INTEREST

TABLES, at 3 and ji per cent, on every dollar

other books too numerous to mention here.

Author and Publisher.

Cornell University Library

Robinsonian building-loan Interest table

3 1924 014 053 775

Cornell University Library.

There are no known copyright

the United States on the use of the

COMPLETE REFERENCE BOOK

ACCOUNTANTS AND AGENTS.

AUTHOR AND PUBLIaHER OF

R OBINSONIANUNIVERSAL INTEREST TABLES,

JFor sale by Booksellers

Watts Robinson, Author and Publisher,

909, by J. Watti Roblnion.

A supplement embracing between 50 and 60 new pages of valuable Tables has

or last of each month.

new Tables, in connection with the Maturity Key-Table, enable us when we

tables give the monthly values of

$ 1:00 paid each month

" first "

Useful Bulbs and Information.

160 months, with interest

ment, pay a debt now due and its interest.

and Prepaid Payments, that will mature

Equal Monthly Payments, made at the end of each month, that

Monthly Sinking Fund, that will pay up quarterly, semi-annual,

at the first or last of the month for

$1.00 due at the end

dends and expense.

The Same as No. 18, but with interest compounded semi-annually.

Withdrawal Values, at any rate of Simple interest allowed,

a Building-Loan Association, when the loan is paid up in a

value of Share, Earning Rate, or Time

USEFUL RULES AND INFORMATION.

Remabk. Any values whatever maybe substituted for the letters m, n,

nONTHLY COMPOUND INTEREST RULES.

The amount of $1 for n months, at i % per month, is equal to ( 1-f-i ),

The amount of $1 paid at the beginning of each month for m months

= .607287 X .6.38344 = .38766.

present worth of $1 due at the end of each month form

USEFUL RULES AND INFORMATION.

(at date of issue of prepaid shares) of dividends