Present Value of Periods 10 11 12 13 14 15 16 17 18 19 20 Periods 10 11 12 13 14 15 16 17 18 19 20 3% .971 .943 .915 .888 .863 .837 .813 .789 .766 .744 .722 .701 .681 .661 .642 .623 .605 .587 .570 .554 10% .909 .826 .751 .683 .621 .564 .513 .467 .424 .386 .350 .319 .290 .263 .239 .218 .198 .180 .164 .149 40/0 .962 .925 .889 .855 .822 .790 .760 .731 .703 .676 .650 .625 .601 .577 .555 .534 .513 .494 .475 .456 11% .901 .812 .731 .659 .593 .535 .482 .434 .391 .352 .317 .286 .258 .232 .209 .188 .170 .153 .138 .124 5% .952 .907 .864 .823 .784 .746 .71 1 .677 .645 .614 .585 .557 .530 .505 .481 .458 .436 .416 .396 .377 12% .893 .797 .712 .636 .567 .507 .452 .404 .361 .322 .287 .257 .229 .205 .183 .163 . 146 .130 .116 .104 6% .943 .890 .840 .792 .747 .705 .665 .627 .592 .558 .527 .497 .442 .417 .394 .371 .350 .331 .312 13% .885 .783 .693 .613 .543 .480 .425 .376 .333 .295 .261 .231 .204 .181 .160 .141 .125 .11 1 .098 .087 70/0 .935 .873 .816 .763 .713 .666 .623 .582 .544 .508 .475 .444 .415 .388 .362 .339 .317 .296 .277 .258 14% .877 .769 .675 .592 .519 .456 .400 .351 .308 .270 .237 .208 .182 .160 .140 .123 .108 .095 .083 .073 $1 8% .926 .857 .794 .735 .681 .630 .583 .540 .500 .463 .429 .397 .368 .340 .315 .292 .270 .250 .232 .215 15% .870 .756 .658 .572 .497 .432 .376 .327 .284 .247 .215 .187 .163 .141 .123 .107 .093 .081 .070 .061 9% .917 .842 .772 .708 .650 .596 .547 .502 .422 .388 .356 .326 .299 .275 .252 .231 .212 . 1 94 .178 20% .833 .694 .579 .482 .402 .335 .279 .233 . 1 94 .162 .135 .112 .093 .078 .065 .054 .045 .038 .031 .026 611