Future Value and Present Value Tables Table I Future Value of $1.00(1+r)" Period 4% 6% 0% 10% 12% 14% 20% 1.040 1.060 1.000 1.100 1.120 1.140 1.200 1.062 1.124 1.166 1.210 1.254 1.300 1440 3 1.125 1.191 1.260 1.331 1.405 1.482 1.728 1.170 1.263 1.361 1.464 1.574 1.609 2.074 1.217 1.335 1.469 1.611 1.762 1.925 2.458 6 1.265 1.419 1.557 1.772 1.974 2.195 2.956 1.316 1.714 1.949 2.211 2.502 3.583 8 1.369 1.594 1.851 2.144 2.476 2.853 4.300 9 1.423 1.690 1.999 2.359 2.773 3.252 5.160 10 1.490 1.791 2.159 2.594 3.106 3.707 6.192 11 1.540 1.396 2.332 2.853 3.479 4.226 7.430 12 1.601 2012 2.515 3.139 3.396 4.515 8.916 13 1.665 2.133 2.720 3.452 4.364 5.492 10.699 14 1.732 2.261 2.937 3.798 4.387 6.261 12.839 15 1.301 2.397 3.172 4.177 5.474 7.135 15.407 2.191 3.207 4.661 6.728 9.646 13.743 38.336 30 3.243 5.744 10.063 17.450 29.960 50.950 237.350 40 4.001 10.236 21.725 45.260 93.051 153.000 1.469.000 Table (1+r) 1 Future Value of a Series of $1.00 Cash Flows (Ordinary Annuty) T Period 4% 6% 0% 10% 12% 14% 20% 1 1.000 1.000 1.000 1.000 1.000 1.000 1.000 2 2.040 2.060 2.000 2.100 2.120 2.140 2.220 3 3.122 3.154 3.246 3.310 3.374 3.440 3.640 4 4.247 4.375 4.506 4.641 4.779 4.921 5.368 5 5.416 5.637 5.067 6.105 6.353 6.610 7.442 b 6.633 6.975 7.336 7.716 8.115 3.536 9.930 7 7.398 5.394 8.923 9.487 10.039 10.730 12.916 8 9.390 10637 11436 12.300 13.233 16.499 9 14.776 16.065 10 12.006 13436 12 15.026 13 16.627 13.151 14.457 15.938 17.549 14.972 16.646 18.531 20.655 16.870 13.977 21.385 15.582 21.495 24.523 25.029 19.337 25.959 23.045 32.150 24.133 27.271 39.580 32.059 45.497 14 18.292 21.015 24.215 27.976 32.393 37.581 59.196 20.024 23.276 27.152 31.773 37.230 43.542 72.035 30 56.005 20 29.773 36.775 45.762 57.276 79.058 113.203 164.496 241.330 356.790 75.052 91.025 156.690 1,181.900 40 95.026 154.762 259.057 442.597 767.090 1.342.000 7,343.900 Table Ill 1 Present Value of $1.00 (1+r)* Period 4% 6% 0% 10% 12% 14% 16% 18% 20% 22% 24% 26% 20% 30% 32% 1 2 962 943 926 909 .993 $77 .962 847 533 320 906 794 925 .990 .857 .826 .797 .769 .743 .718 694 .672 .650 .630 .610 .751 769 .758 .592 3 .339 540 .794 .751 .712 675 .641 609 579 .551 524 .500 ATT 455 4 .855 .792 .735 .683 .636 592 552 516 5 .822 .747 .681 .621 567 519 476 437 402 482 .451 423 .397 315 370 341 .373 .350 .291 269 250 574 435 329 6 3 .790 .705 630 564 .507 .760 .665 .583 513 452 .731 .627 540 467 .404 351 .305 266 233 456 410 370 400 .354 314 335 279 .303 275 .227 207 .175 .159 .179 .139 123 9 392 .500 424 .361 305 .263 225 .676 558 463 .386 .322 144 .103 094 270 .227 191 .116 .099 .055 .062 11 14 .650 .527 429 350 .287 237 .195 .162 135 .112 094 079 .066 .056 047 625 497 .397 319 257 200 .168 .137 112 .092 076 .062 .052 .043 036 .601 469 .368 290 .229 182 145 116 093 .075 .061 050 040 033 027 .577 442 .340 263 205 .160 125 099 073 .062 .049 .039 .032 .025 .021 555 417 .315 239 .183 140 .103 054 065 .051 040 .031 .025 020 016 .312 149 .104 .051 037 .306 174 020 .007 004 .019 014 .010 .007 .005 .004 .003 .002 .001 .001 40 206 097 ,046 022 .011 .005 .003 .001 .001 Table IV Present Value of Series of $1.00 Cash Flows - (1+ Period 4% 6% 1 2 3 4 3.630 3.465 3.312 3.170 3.037 2914 2.798 2.690 2.589 10% 12% 14% 16% 10% 20% 22% 24% 25% 26% 20% 30% 0.962 0.943 0.926 0.909 0.993 0.877 0.962 0.847 0.833 0.920 0.306 0.900 0.794 0.731 1.336 1.833 1.783 1.736 1.690 1.647 1.605 1.566 1.528 1,492 1.457 1,440 1.424 1.392 2.775 2.673 2.577 2.487 2.402 2.322 2.246 2.174 2.106 2.042 1.981 1.952 1.923 1.368 1.316 2,494 2.404 2.362 2.320 2.241 2.166 0.769 1.361 5 4.452 4.212 3.993 3.791 3.605 3.433 3.274 3.127 2.991 6 7 5.242 4.917 4.623 4.355 4.111 3.559 3.685 3.496 3.326 6.002 5.582 5.206 4.968 4.564 4.288 4.039 3.812 3.605 6.733 6.210 2.964 2.745 2.609 2.635 2.532 2.436 3.167 3.020 2.951 2.555 2.759 2.643 3.416 3.242 3.161 3.003 2.937 2.902 4.968 4.639 4.344 3.619 3421 3.329 3.076 9 7.435 6.247 4.946 4.303 3.796 3.566 3.366 10 S.111 7.360 6.710 6.145 5.650 5.216 4.833 4.494 4.192 3.923 3.682 3.571 3.092 11 12 13 14 15 8.760 7.887 7.139 6.495 5.938 5.453 5.029 4.656 4.327 4.035 9.335 3.354 7.536 6.514 6.194 5.660 5.197 4.793 4.439 4.127 9.936 8.853 7.904 7.103 6.424 5.842 5.342 4.910 4.533 4.203 10.563 9.295 8.244 7.367 6.623 6.002 5.468 5.006 4.611 4.265 11.118 9.712 8.559 7.606 6.811 6.142 5.575 5.092 4.675 4.315 4.001 3.859 3.726 3.483 3.268 3.776 3.656 3.544 3.335 3.147 3.351 3.725 3.606 3.337 3.190 3.912 3.790 3.656 3.427 3.223 3.962 3.824 3.695 3.459 3.249 20 30 13.590 11.470 9.313 3.514 7,469 6.623 5.929 5.353 4.370 4.460 4.110 3.954 3.500 3.546 3.316 17.292 13.765 11.250 9.427 8.055 7.003 6.177 5.517 4.979 4.534 4.160 3.995 3.842 3.569 3.332 40 19.793 15.046 11.925 9.779 5.244 7.105 6.234 5.545 4.997 4.544 4.166 3.999 3.546 3.571 3.333