Present and future value tables of $1 at 3% are presented below: N FV $1 1 1.03000 PV $1 0.97087 FVA $1 1.0000 PVA $1 0.97087 FVAD $1 PVAD $1 1.0300 1.00000 2 1.06090 0.94260 2.0300 1.91347 2.0909 1.97087 3 1.09273 0.91514 3.0909 2.82861 3.1836 2.91347 4 1.12551 0.88849 4.1836 3.71710 4.3091 3.82861 5 1.15927 0.86261 5.3091 4.57971 6 1.19405 0.83748 6.4684 5.41719 7 1.22987 0.81309 7.6625 6.23028 5.4684 4.71710 6.6625 5.57971 7.8923 6.41719 8 1.26677 0.78941 8.8923 7.01969 9 1.30477 0.76642 10.1591 10 1.34392 0.74409 11.4639 11 1.38423 0.72242 12 1.42576 0.70138 13 1.46853 0.68095 14 15 1.51259 0.66112 1.55797 0.64186 16 1.60471 0.62317 18.5989 20.1569 12.56110 9.1591 7.23028 7.78611 10.4639 11.8078 8.53020 12.8078 13.1920 9.25262 14.1920 9.95400 14.6178 10.25262 15.6178 16.0863 10.63496 10.95400 17.0863 11.29607 11.93794 8.01969 8.78611 9.53020 17.5989 11.63496 19.1569 12.29607 20.7616 12.93794