Future Value and Present Value Tables Table I Future Value of $1.00(1+r) Period 6% 0% 1 1.040 1.060 1.000 1.140 2 1.124 1.166 1.210 1.300 1440 3 1.125 1.191 1.260 1.331 1.405 1.482 1.720 4 1.464 1.374 2.074 1.217 1.338 1.469 1.611 1.762 1.925 2.458 6 1.265 1.419 1.587 1.772 1.974 2.195 2.956 7 1.316 1.504 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 3.916 2.133 2.720 3.452 4.364 5.492 10.699 14 1.732 2.261 4.887 6.261 12.839 15 1.301 2.397 3.172 20 2.191 3.207 4.661 6.725 9.646 13.743 38.336 30 3.243 5.744 10.063 17.450 29.960 50950 237.350 40 4.901 10.236 21.725 45.260 93.051 153.890 1.469.000 (1+)-1 Future Value of a Settes of $1.00 Cash Flows (Ordinary Annuity) 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 $ 5.637 5.567 6.105 6.353 6.610 7.442 6.633 6.975 7.336 7.716 5.115 9.930 7 7.398 5.304 3.923 9.487 10.009 10.730 12.916 9.214 9.890 10.637 11.436 12.300 13.233 9 10.583 12.006 11.491 13.151 14.457 12.488 13.550 14.776 16.065 20.799 15.935 17.549 19.337 25.959 11 13.436 12 14.972 16.646 18.531 15.026 16.870 18.977 21.385 16.627 15.562 21.495 24.523 25.029 20.655 23.045 32.150 24.133 27.271 39.580 32.059 45.497 14 18.292 21.015 24.215 20.024 23.276 27.152 31.773 29.773 36.778 27.976 32.393 37.581 59.196 37.230 43.542 72.035 45.762 57.276 75.052 91.025 156 690 30 56.005 79.058 113.203 164.496 241.330 154.762 259.057 442.597 767.090 1.342.000 356.790 1,181.900 7,343.900 Table III Present Value of $1.00 (1+r)" Period 4% 10% 12% 14% 16% 10% 20% 22% 24% 26% 20% 30% 32% 2 4 962 943 926 909 993 577 .962 547 533 ,794 .751 .769 .758 925 .990 .857 .826 .797 .769 .743 .718 .694 .672 .650 .630 .610 592 574 339 540 .794 .751 .712 675 .641 609 579 .551 524 .500 ATT 455 435 .855 .792 .735 .683 .636 592 .552 516 482 .451 423 .397 .373 .350 329 747 .567 519 476 437 402 .370 .341 315 .291 269 .320 906 250 7 9 10 .790 .705 1630 564 .507 456 410 370 335 .760 .665 .583 513 452 400 354 314 279 .731 .627 .540 467 404 351 305 266 233 .703 592 .500 424 .361 305 .263 225 194 .676 .558 463 356 .322 270 .227 191 .162 .303 275 .250 227 207 .249 222 .198 .175 .159 .204 .179 .157 .139 123 .167 144 .125 .103 094 062 .137 .116 .099 055 073 .062 189 143 108 11 .650 .527 429 350 .287 237 .195 162 135 .112 094 .079 .066 056 047 12 13 14 15 .140 625 497 .397 319 257 200 .168 137 112 .092 076 .062 .052 043 .601 469 .368 290 .229 .152 .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 .183 036 .103 054 065 .051 040 .031 025 020 .016 20 456 .312 215 .104 073 .051 037 019 014 .010 .005 .004 30 40 .306 174 099 057 033 020 012 007 .004 .003 206 .097 .046 022 .011 .005 003 .001 .001 Table IV Present Value of Series of $1.00 Cash Flows 10% 12% 14% 16% 10% 20% 22% 24% 25% 26% 20% 0.962 0.943 0.926 0.909 0.993 0.877 0.962 0.847 0.833 0.820 0.306 0.900 0.794 0.731 0.769 1.336 1.833 1.783 1.736 1.690 1.647 1.605 1.566 1.528 1,492 1.457 1,440 1424 1.392 1.361 2.775 2.673 2.577 2.487 2.402 2.322 2.246 2.174 2.106 2,042 1981 1,952 1923 1.368 1.316 3.630 3.465 3.312 3.170 3.037 2.914 2.795 2.690 2.589 2,494 2.404 2.362 2.320 2.241 2.166 4.452 4.212 3.993 3.791 3.605 3.433 3.274 3.127 2.991 2.609 2.635 2.532 2.436 Period 4% 6% 3% 1 2 3 4 5 6 7 2.964 2.745 5.242 4917 4,623 4.355 4.111 3.559 3.685 3.496 3.326 3.167 3.020 2.951 2.555 2.759 2.643 6.002 5.582 5.206 4.968 4.564 4.288 4.039 3.812 3.605 3.416 3.242 3.161 3.083 2.937 2.000 6.733 6.210 5.747 5.335 4.968 4.639 4.344 4.078 3.337 3.619 3.421 3.329 3.241 3.076 2.925 7.435 6.802 6.247 5.759 5.328 4.946 4.607 4.303 4.031 3,796 3.566 3,463 3.366 3.184 3.019 $111 7.360 6.710 6.145 5.650 5.216 4.833 4.494 4.192 3.923 3.652 3.571 3.465 3.269 3.092 3.544 3.335 3.147 5.029 4.656 4.327 4.035 3.776 3.656 8.760 7.887 7.139 6.495 5.938 5.453 9.335 5.354 7.536 6514 6.194 5.660 5.197 4.793 4.439 4.127 3.351 3.725 3.606 3.357 3.190 9.906 3.853 7.904 7.103 6.424 5.842 5.342 4.910 4.533 4.203 3.912 3.700 3.656 3.427 3.223 10.563 9.295 8.244 7.367 6.625 6.002 5.468 5.006 4.611 4.265 3.962 3.824 3.695 3.459 3.249 11.118 9.712 8.559 7.606 6.311 6.142 5.575 5.092 4.675 4.315 9 10 11 12 13 14 15 4.001 3.859 3.726 3.483 3.268 20 9.313 5.514 6.623 30 17.292 13.765 11.258 9.427 8.055 7.003 4.370 4.979 4.460 40 19.793 15.046 11.925 5.244 7.105 6.234 5.545 3.954 3.500 3.546 4.160 3.995 3.842 3.569 4.166 3.999 3.546 3.571 3.333