i=
n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
45
48
50
54
60
65
5.00%
Single Payment
Compound
Present
amount
worth
factor
factor
To find F
To find P
Given P
Given F
F/P i,n
P/F i,n
1.0500
0.9524
1.1025
0.9070
1.1576
0.8638
1.2155
0.8227
1.2763
0.7835
1.3401
0.7462
1.4071
0.7107
1.4775
0.6768
1.5513
0.6446
1.6289
0.6139
1.7103
0.5847
1.7959
0.5568
1.8856
0.5303
1.9799
0.5051
2.0789
0.4810
2.1829
0.4581
2.2920
0.4363
2.4066
0.4155
2.5270
0.3957
2.6533
0.3769
2.7860
0.3589
2.9253
0.3418
3.0715
0.3256
3.2251
0.3101
3.3864
0.2953
3.5557
0.2812
3.7335
0.2678
3.9201
0.2551
4.1161
0.2429
4.3219
0.2314
4.5380
0.2204
4.7649
0.2099
5.0032
0.1999
5.2533
0.1904
5.5160
0.1813
5.7918
0.1727
6.0814
0.1644
6.3855
0.1566
6.7048
0.1491
7.0400
0.1420
8.9850
0.1113
10.4013
0.0961
11.4674
0.0872
13.9387
0.0717
18.6792
0.0535
23.8399
0.0419
Compound
amount
factor
To find F
Given A
F/A i,n
1.0000
2.0500
3.1525
4.3101
5.5256
6.8019
8.1420
9.5491
11.0266
12.5779
14.2068
15.9171
17.7130
19.5986
21.5786
23.6575
25.8404
28.1324
30.5390
33.0660
35.7193
38.5052
41.4305
44.5020
47.7271
51.1135
54.6691
58.4026
62.3227
66.4388
70.7608
75.2988
80.0638
85.0670
90.3203
95.8363
101.6281
107.7095
114.0950
120.7998
159.7002
188.0254
209.3480
258.7739
353.5837
456.7980
Uniform Series
Sinking
Present
fund
worth
factor
factor
To find A
To find P
Given F
Given A
A/F i,n
P/A i,n
1.0000
0.9524
0.4878
1.8594
0.3172
2.7232
0.2320
3.5460
0.1810
4.3295
0.1470
5.0757
0.1228
5.7864
0.1047
6.4632
0.0907
7.1078
0.0795
7.7217
0.0704
8.3064
0.0628
8.8633
0.0565
9.3936
0.0510
9.8986
0.0463
10.3797
0.0423
10.8378
0.0387
11.2741
0.0355
11.6896
0.0327
12.0853
0.0302
12.4622
0.0280
12.8212
0.0260
13.1630
0.0241
13.4886
0.0225
13.7986
0.0210
14.0939
0.0196
14.3752
0.0183
14.6430
0.0171
14.8981
0.0160
15.1411
0.0151
15.3725
0.0141
15.5928
0.0133
15.8027
0.0125
16.0025
0.0118
16.1929
0.0111
16.3742
0.0104
16.5469
0.0098
16.7113
0.0093
16.8679
0.0088
17.0170
0.0083
17.1591
0.0063
17.7741
0.0053
18.0772
0.0048
18.2559
0.0039
18.5651
0.0028
18.9293
0.0022
19.1611
Capital
recovery
factor
To find A
Given P
A/P i,n
1.0500
0.5378
0.3672
0.2820
0.2310
0.1970
0.1728
0.1547
0.1407
0.1295
0.1204
0.1128
0.1065
0.1010
0.0963
0.0923
0.0887
0.0855
0.0827
0.0802
0.0780
0.0760
0.0741
0.0725
0.0710
0.0696
0.0683
0.0671
0.0660
0.0651
0.0641
0.0633
0.0625
0.0618
0.0611
0.0604
0.0598
0.0593
0.0588
0.0583
0.0563
0.0553
0.0548
0.0539
0.0528
0.0522
Gradient Series
Uniform
Present
series
worth
factor
factor
To find A
To find P
Given G
Given G
A/G i,n
P/G i,n
0.0000
0.0000
0.4878
0.9070
0.9675
2.6347
1.4391
5.1028
1.9025
8.2369
2.3579
11.9680
2.8052
16.2321
3.2445
20.9700
3.6758
26.1268
4.0991
31.6520
4.5144
37.4988
4.9219
43.6241
5.3215
49.9879
5.7133
56.5538
6.0973
63.2880
6.4736
70.1597
6.8423
77.1405
7.2034
84.2043
7.5569
91.3275
7.9030
98.4884
8.2416
105.6673
8.5730
112.8461
8.8971
120.0087
9.2140
127.1402
9.5238
134.2275
9.8266
141.2585
10.1224
148.2226
10.4114
155.1101
10.6936
161.9126
10.9691
168.6226
11.2381
175.2333
11.5005
181.7392
11.7566
188.1351
12.0063
194.4168
12.2498
200.5807
12.4872
206.6237
12.7186
212.5434
12.9440
218.3378
13.1636
224.0054
13.3775
229.5452
14.3644
255.3145
14.8943
269.2467
15.2233
277.9148
15.8265
293.8208
16.6062
314.3432
17.1541
328.6910
70
75
80
90
100
120
30.4264
38.8327
49.5614
80.7304
131.5013
348.9120
0.0329
0.0258
0.0202
0.0124
0.0076
0.0029
588.5285
756.6537
971.2288
1594.6073
2610.0252
6958.2397
0.0017
0.0013
0.0010
0.0006
0.0004
0.0001
19.3427
19.4850
19.5965
19.7523
19.8479
19.9427
0.0517
0.0513
0.0510
0.0506
0.0504
0.0501
17.6212
18.0176
18.3526
18.8712
19.2337
19.6551
340.8409
351.0721
359.6460
372.7488
381.7492
391.9751
(F/A i,j,n)
j=
j=
10%
15%
1.0000
1.0000
2.1500
2.2000
3.4675
3.6325
4.9719
5.3350
6.6846
7.3508
8.6293
9.7297
10.8323
12.5292
13.3227
15.8157
16.1324
19.6655
19.2970
24.1666
22.8555
29.4205
26.8514
35.5439
31.3324
42.6714
36.3513
50.9577
41.9664
60.5813
48.2420
71.7475
55.2490
84.6925
63.0660
99.6883
71.7792
117.0482
81.4840
137.1324
92.2857
160.3556
104.3003
187.1948
117.6556
218.1993
132.4927
254.0008
148.9670
295.3260
167.2501
343.0112
187.5308
398.0186
210.0173
461.4548
234.9391
534.5932
262.5492
618.8983
293.1261
716.0550
326.9767
828.0013
364.4393
956.9664
405.8864
1105.5146
451.7284
1276.5951
502.4173
1473.6004
558.4508
1700.4322
620.3773
1961.5785
688.8005
2262.2007
764.3853
2608.2356
1732.3193
8089.9944
2118.4691
10721.9004
3158.6650
18813.8494
5716.0491
43653.1956
9330.6165
87939.4749
15186.4106
177052.9361
39976.7755
717013.1796
104645.8449 2901915.9484
272982.2216 11741819.4944
1847203.1366 192190960.8994
Continuous Compounding
i=
n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
45
48
50
54
60
65
0.50%
Single Payment
Compound Present Compound
amount
worth
amount
factor
factor
factor
To find F To find P To find F
Given P Given F Given A
F/P i,n
P/F i,n
F/A i,n
1.0050
0.9950
1.0000
1.0101
0.9900
2.0050
1.0151
0.9851
3.0151
1.0202
0.9802
4.0302
1.0253
0.9753
5.0504
1.0305
0.9704
6.0757
1.0356
0.9656
7.1061
1.0408
0.9608
8.1418
1.0460
0.9560
9.1826
1.0513
0.9512 10.2286
1.0565
0.9465 11.2799
1.0618
0.9418 12.3364
1.0672
0.9371 13.3983
1.0725
0.9324 14.4654
1.0779
0.9277 15.5379
1.0833
0.9231 16.6158
1.0887
0.9185 17.6991
1.0942
0.9139 18.7878
1.0997
0.9094 19.8820
1.1052
0.9048 20.9816
1.1107
0.9003 22.0868
1.1163
0.8958 23.1975
1.1219
0.8914 24.3138
1.1275
0.8869 25.4357
1.1331
0.8825 26.5632
1.1388
0.8781 27.6963
1.1445
0.8737 28.8351
1.1503
0.8694 29.9797
1.1560
0.8650 31.1300
1.1618
0.8607 32.2860
1.1677
0.8564 33.4478
1.1735
0.8521 34.6155
1.1794
0.8479 35.7890
1.1853
0.8437 36.9684
1.1912
0.8395 38.1537
1.1972
0.8353 39.3449
1.2032
0.8311 40.5422
1.2092
0.8270 41.7454
1.2153
0.8228 42.9546
1.2214
0.8187 44.1699
1.2523
0.7985 50.3385
1.2712
0.7866 54.1143
1.2840
0.7788 56.6632
1.3100
0.7634 61.8380
1.3499
0.7408 69.7970
1.3840
0.7225 76.6143
Uniform Series
Sinking
Present
fund
worth
factor
factor
To find A To find P
Given F Given A
A/F i,n
P/A i,n
1.0000
0.9950
0.4988
1.9851
0.3317
2.9702
0.2481
3.9504
0.1980
4.9257
0.1646
5.8961
0.1407
6.8617
0.1228
7.8225
0.1089
8.7785
0.0978
9.7298
0.0887 10.6762
0.0811 11.6180
0.0746 12.5551
0.0691 13.4875
0.0644 14.4152
0.0602 15.3383
0.0565 16.2568
0.0532 17.1708
0.0503 18.0801
0.0477 18.9850
0.0453 19.8853
0.0431 20.7811
0.0411 21.6725
0.0393 22.5594
0.0376 23.4419
0.0361 24.3200
0.0347 25.1937
0.0334 26.0631
0.0321 26.9281
0.0310 27.7888
0.0299 28.6452
0.0289 29.4974
0.0279 30.3453
0.0271 31.1889
0.0262 32.0284
0.0254 32.8637
0.0247 33.6948
0.0240 34.5217
0.0233 35.3446
0.0226 36.1633
0.0199 40.1961
0.0185 42.5678
0.0176 44.1293
0.0162 47.2059
0.0143 51.7069
0.0131 55.3559
Capital
recovery
factor
To find A
Given P
A/P i,n
1.0050
0.5038
0.3367
0.2531
0.2030
0.1696
0.1457
0.1278
0.1139
0.1028
0.0937
0.0861
0.0796
0.0741
0.0694
0.0652
0.0615
0.0582
0.0553
0.0527
0.0503
0.0481
0.0461
0.0443
0.0427
0.0411
0.0397
0.0384
0.0371
0.0360
0.0349
0.0339
0.0330
0.0321
0.0312
0.0304
0.0297
0.0290
0.0283
0.0277
0.0249
0.0235
0.0227
0.0212
0.0193
0.0181
Gradient Series
Uniform
Present
series
worth
factor
factor
To find A To find P
Given G Given G
A/G i,n
P/G i,n
0.0000
0.0000
0.4988
0.9900
0.9967
2.9603
1.4938
5.9009
1.9900
9.8021
2.4854
14.6543
2.9800
20.4480
3.4738
27.1735
3.9667
34.8215
4.4588
43.3825
4.9500
52.8474
5.4404
63.2068
5.9300
74.4516
6.4188
86.5727
6.9067
99.5611
7.3938 113.4079
7.8800 128.1041
8.3654 143.6409
8.8500 160.0096
9.3338 177.2015
9.8167 195.2080
10.2988 214.0205
10.7800 233.6306
11.2605 254.0298
11.7401 275.2097
12.2188 297.1621
12.6968 319.8787
13.1739 343.3514
13.6501 367.5720
14.1256 392.5325
14.6002 418.2250
15.0739 444.6414
15.5469 471.7740
16.0190 499.6150
16.4903 528.1565
16.9607 557.3910
17.4303 587.3107
17.8991 617.9082
18.3671 649.1759
18.8342 681.1064
21.1574 850.4440
22.5413 959.5358
23.4598 1035.2669
25.2869 1193.6902
28.0027 1447.9301
30.2431 1674.1338
70
75
80
90
100
120
1.4191
1.4550
1.4918
1.5683
1.6487
1.8221
0.7047 83.6042
0.6873 90.7710
0.6703 98.1192
0.6376 113.3785
0.6065 129.4202
0.5488 164.0130
0.0120
0.0110
0.0102
0.0088
0.0077
0.0061
58.9148
62.3859
65.7713
72.2933
78.4973
90.0123
0.0170
0.0160
0.0152
0.0138
0.0127
0.0111
32.4629
34.6621
36.8408
41.1368
45.3510
53.5361
1912.5472
2162.4296
2423.0691
2973.9130
3559.9316
4818.9067
n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
45
48
50
54
60
65
70
4%
Present
worth
factor
To find P
Given A
P/A r,n
0.9803
1.9221
2.8270
3.6964
4.5317
5.3343
6.1054
6.8463
7.5581
8.2420
8.8991
9.5304
10.1370
10.7198
11.2797
11.8177
12.3346
12.8312
13.3083
13.7668
14.2072
14.6304
15.0370
15.4277
15.8030
16.1636
16.5101
16.8430
17.1628
17.4701
17.7654
18.0491
18.3216
18.5835
18.8351
19.0768
19.3091
19.5322
19.7466
19.9526
20.8675
21.3348
21.6166
22.1169
22.7321
23.1432
23.4797
Capital
recovery
factor
To find A
Given P
A/P r,n
1.0201
0.5203
0.3537
0.2705
0.2207
0.1875
0.1638
0.1461
0.1323
0.1213
0.1124
0.1049
0.0986
0.0933
0.0887
0.0846
0.0811
0.0779
0.0751
0.0726
0.0704
0.0684
0.0665
0.0648
0.0633
0.0619
0.0606
0.0594
0.0583
0.0572
0.0563
0.0554
0.0546
0.0538
0.0531
0.0524
0.0518
0.0512
0.0506
0.0501
0.0479
0.0469
0.0463
0.0452
0.0440
0.0432
0.0426
Compound
amount
factor
To find F
Given A
F/A r,n
1.0203
2.0822
3.1874
4.3378
5.5351
6.7812
8.0782
9.4282
10.8332
12.2956
13.8177
15.4019
17.0507
18.7668
20.5530
22.4120
24.3469
26.3608
28.4569
30.6385
32.9092
35.2725
37.7323
40.2924
42.9570
45.7304
48.6170
51.6214
54.7483
58.0029
61.3903
64.9160
68.5855
72.4048
76.3800
80.5174
84.8236
89.3056
93.9705
98.8258
126.2412
145.5240
159.7264
191.7784
250.5794
311.5935
386.1162
Sinking
fund
factor
To find A
Given F
A/F r,n
0.9801
0.4803
0.3137
0.2305
0.1807
0.1475
0.1238
0.1061
0.0923
0.0813
0.0724
0.0649
0.0586
0.0533
0.0487
0.0446
0.0411
0.0379
0.0351
0.0326
0.0304
0.0284
0.0265
0.0248
0.0233
0.0219
0.0206
0.0194
0.0183
0.0172
0.0163
0.0154
0.0146
0.0138
0.0131
0.0124
0.0118
0.0112
0.0106
0.0101
0.0079
0.0069
0.0063
0.0052
0.0040
0.0032
0.0026
75
80
90
100
120
23.7553
23.9809
24.3169
24.5421
24.7943
0.0421
0.0417
0.0411
0.0407
0.0403
477.1384
588.3133
889.9559
1339.9538
3012.7604
0.0021
0.0017
0.0011
0.0007
0.0003
Continuous Compounding
r=
5%
Geometric series present worth factor, (P/A r,c,n)
c =
c =
c =
c =
c =
n
4%
6%
8%
10%
15%
1
0.9512
0.9512
0.9512
0.9512
0.9512
2
1.8930
1.9120
1.9314
1.9512
2.0025
3
2.8254
2.8825
2.9415
3.0025
3.1643
4
3.7485
3.8627
3.9823
4.1077
4.4484
5
4.6624
4.8527
5.0548
5.2695
5.8674
6
5.5673
5.8527
6.1600
6.4909
7.4357
7
6.4631
6.8628
7.2988
7.7749
9.1690
8
7.3500
7.8830
8.4723
9.1248
11.0845
9
8.2281
8.9134
9.6816
10.5439
13.2015
10 9.0975
9.9542
10.9276
12.0357
15.5412
11 9.9582
11.0055
12.2117
13.6040
18.1269
12 10.8103 12.0673 13.5348
15.2527
20.9845
13 11.6540 13.1398 14.8982
16.9860
24.1427
14 12.4893 14.2231 16.3032
18.8081
27.6331
15 13.3162 15.3173 17.7509
20.7236
31.4905
16 14.1350 16.4225 19.2427
22.7374
35.7536
17 14.9455 17.5388 20.7800
24.8544
40.4651
18 15.7481 18.6663 22.3641
27.0799
45.6721
19 16.5426 19.8051 23.9964
29.4196
51.4267
20 17.3292 20.9554 25.6784
31.8792
57.7865
21 18.1080 22.1172
27.4116
34.4649
64.8152
22 18.8791 23.2907 29.1977
37.1832
72.5831
23 19.6425 24.4760 31.0381
40.0408
81.1679
24 20.3982 25.6732 32.9346
43.0450
90.6557
25 21.1465 26.8825 34.8888
46.2032
101.1412
26 21.8873 28.1039 36.9026
49.5233
112.7296
27 22.6208 29.3376 38.9777
53.0136
125.5367
28 23.3469 30.5836 41.1159
56.6829
139.6907
29 24.0658 31.8422 43.3193
60.5404
155.3334
30 24.7776 33.1135 45.5898
64.5956
172.6211
31 25.4823 34.3975 47.9295
68.8587
191.7271
32 26.1800 35.6944 50.3404
73.3404
212.8424
33 26.8707 37.0044 52.8247
78.0518
236.1785
34 27.5546 38.3275 55.3847
83.0049
261.9688
35 28.2316 39.6640 58.0226
88.2118
290.4716
36 28.9019 41.0138 60.7409
93.6858
321.9720
37 29.5656 42.3772 63.5420
99.4404
356.7853
38 30.2226 43.7544 66.4284 105.4900
395.2600
39 30.8732 45.1453 69.4026 111.8499
437.7810
40 31.5172 46.5503 72.4675 118.5358
484.7741
48 36.4441 58.3103 100.5965 185.9594
1089.9691
50 37.6154 61.4002 108.7485 207.4681
1333.2938
54 39.8890 67.7687 126.5959 257.5098
1993.4890
60 43.1333 77.8120 157.7228 354.0928
3639.8095
65 45.6921 86.6542 188.3025 459.9336
6006.8988
70 48.1261 95.9498 223.8311 595.8360
9909.5693
80 52.6438 115.9951 313.0680 994.4031 26952.5433
90 56.7316 138.1487 433.5252 1651.5292 73280.1498
100 60.4303 162.6321 596.1255 2734.9471 199211.6408
120 66.8054 219.5947 1111.8899 7466.2361 1472043.7758
cashflo
Fn
0
n-1
n
F37
1
36
37
100
Page 10