Reference i Reference - X Present Value of $1 of $1 Periods Periods 16% 0.862 0.743 0.641 2798 1% 2% 3% 4% 0.990 0.980 0.971 0.962 0.9800.961 0.943 | 0.925 0.971 0.942 0.915 0.889 0.961 0.924 0.888 0.855 0.951 0.906 0.863 0.822 0.942 0.888 0.837 0.790 0.933 0.871 0.813 0.760 0.923 0.853 0.789 0.731 0.914 0.837 0.766 0.703 0.905 0.820 0.744 0.676 0.896 0.804 0.722 0.650 0.887 0.788 0.701 0.625 0.879 0.773 | 0.681 0.601 0.870 | 0.758 0.661 0.861 | 0.743 0.642 0.555 0.820 0.673 0.554 0.456 0.780 0.610 0.478 0.375 0.742 0.552 0.412 0.308 0.672 0.453 0.307 0.208 5% 6% 0.952 0.943 0.907 0.890 0.864 0.840 0.823 0.792 0.784 | 0.747 | 0.746 0.705 0.711 0.665 0.677 0.627 0.645 0.592 0.614 0.558 0.585 0.527 0.557 0.497 0.530 0.469 0.505 0.442 0.481 0.417 0.377 0.312 0.295 | 0.233 0.231 0.174 0.142 0.097 8% 10% 0.926 0.909 0.857 0.826 0.794 0.751 0.735 0.683 0.681 0.621 0.630 | 0.564 0.583 0.513 0.540 0.467 0.500 0.424 0.463 0.386 | 0.429 | 0.350 0.397 0.319 0.368 0.290 0.340 0.263 0.315 0.239 0.215 0.149 | 0.146 0.092 0.099 | 0.057 0.046 0.022 12% 14% 0.893 0.877 0.797 0.769 0.712 0.675 0.636 0.592 0.567 0.519 0.507 0.456 0.452 0.400 0.404 0.351 0.361 0.308 0.322 | 0.270 0.287 0.237 0.257 0.208 0.229 0.182 0 205 0.160 0.183 0.140 0.104 0.073 0.0590.038 0.033 0.020 0.0110.005 0.552 0.476 0.410 0.354 0.305 0.263 0.227 18% 20% 0.847 0.833 0.7180.694 0.609 0.579 0.516 0.482 0.437 0.402 0.370 0.335 0.314 0.279 0.266 0.233 0.225 0.194 0.191 0.162 0.162 0.135 0.137 0.112 0.116 0.093 0.099 0.078 0.084 0.065 0.037 0.026 0.016 | 0.010 0.007 0.004 0.001 0.001 1% 2% 3% 4% 0.990 0.980 0.971 0.962 1.970 1.942 1.9131.886 2.9412.884 2.829 2.775 3.902 3.808 3.717 3.630 4.853 4.713 4.580 4.452 5.795 5.601 5.417 5.242 6.728 6.472 6.230 6.002 7.652 7.325 7.020 6.733 8.566 8.162 | 7.786 7.435 9.471 8.983 8.530 8.111 10.368 9.787 9.253 8.760 11.255 10.575 9.954 9.385 12.134 | 11.348 10.635 9.986 13.004 12.106 11.296 10.563 13.865 12.849 11.938 11.118 18.046 16.351 14.877 13.590 22.023 19.523 17.413 | 15.622 25.808 22.396 | 19.600 17.292 32.835 27.355 23.115 19.793 Present Value of Annuity of $1 5% 6% 8% 10% 12% 14% 16% 0.952 0.943 0.926 0.909 0.893 0.877 0.862 1.859 1.833 1.783 1.736 1.6901.647 1.605 2.723 2.673 2.577 2.487 2402 2.322 2.246 3.546 3.465 3.312 3.170 3.037 2.914 4.329 4.212 | 3.993 3.791 3.605 3.433 3.274 5.076 4.917 | 4.623 4.355 4.111 3.889 | 3.685 5.786 5.582 5.206 4.868 4.564 4.288 4.039 6.463 6.210 5.747 5.335 4.968 4.639 4.344 7.108 6.802 6.247 5.759 5.328 4.946 4.607 7.722 7.360 6.710 6.145 5.650 5.216 4.833 8.306 7.887 7.139 6.495 5.938 5.453 5.029 8.863 8.384 7.536 6.814 6.194 5.660 5.197 9.394 8.853 7.904 7.103 6.424 5.842 5.342 9.295 8.244 7.367 6.628 6.002 5.468 10.380 9.712 8.559 7.606 6.811 6.142 5.575 12.462 11.470 9.818 8.514 7.469 6.623 5.929 14.094 | 12.783 10.675 9.077 7.843 6.873 6.097 15.372 13.765 11.258 9.427 8.055 7.003 6.177 17.159 15.046 11.925 9.7798.244 7.1056.233 18% 0.847 1.566 2.174 2.690 3.127 3.498 3.812 4.078 4.303 4.494 4.656 4.793 4.910 5.008 5.092 20% 0.833 1.528 2.106 2.589 2.991 3.326 3.605 3.837 4.031 4.192 4.327 4.439 4.533 0.577 9.899 | 0.195 0.168 0.145 0.125 0.108 0.051 0.024 0.012 0.003 te, w 5.353 5.467 5.517 5.548 4.675 4.870 4.948 4.979 4.997 40 at til Print Done Print Done ears Reference i Reference Future Value of Annuity of $1 riods 2% Periods 1% 3% 3% 1.030 1.061 1.093 1.126 1.159 5% 1.000 2.050 1% 1.010 1.020 1.030 1.041 1.051 1.062 1.072 1.083 4% 1.040 1.082 1.125 1.170 1.217 5% 1.050 1.103 1.158 1.216 1.276 1.260 3.153 12% 1.120 1.254 1.405 1.574 1.762 1.974 2211 14% 1.140 1.300 1.482 1.689 1.925 2.195 2.502 18% 1.180 1.392 1.643 1.939 2.288 2.700 3.185 .759 1.020 1.040 1.061 1.082 1.104 1.126 1.149 1.172 1.195 1.219 1.243 1.268 1.294 1.319 1.346 1.587 18% 1.000 2.180 3.572 5.215 7.154 9.442 12.142 1.194 1.230 1.267 1.305 1.344 1.265 1.316 1.369 1.423 16% 1.160 1.346 1.561 1.811 2.100 2.436 2.826 3.278 3.803 4.411 5.117 5.936 6.886 7.988 9.266 1.000 2.010 3.030 4.060 5.101 6.152 7.214 8.286 9.369 10.462 11.567 12.683 13.809 1.851 2476 2.853 15.327 Future Value of $1 6% 8% 10% 1.060 1.080 11.100 1.124 1.166 1.210 1.191 1.331 1.262 1.360 1.464 1.338 1.469 1.611 1.419 1.772 1.504 1.714 1.949 1.594 2.144 1.689 1.999 2.358 1.791 2.159 2.594 1.898 2.332 2.012 2.518 3.138 2.720 2.261 2.937 3.797 2.397 3.172 4.177 3.207 4.661 6.727 4.292 6.848 10.835 5.743 10.063 17.449 10.286 21.725 45.259 1.094 1.105 1.116 2.773 1.480 3.106 1.340 1.407 1.477 1.551 1.629 1.710 1.796 1.886 1.980 2.079 2.653 3.386 4.322 7.040 1.000 2.020 3.060 4.122 5.204 6.308 7.434 8.583 9.755 10.950 12.169 13.412 14.680 15.974 17.293 24.297 32.030 40.568 60.402 1.000 2.030 3.091 4.184 5.309 6.468 7.662 8.892 10.159 11.464 12.808 14.192 15.618 17.086 18.599 26.870 36.459 47.575 75.401 4% 1.000 2.040 3.122 4.246 5.416 6.633 7.898 9.214 10.583 12.006 13.486 15.026 16.627 18.292 20.024 29.778 41.646 56.085 95.026 3.252 3.707 4.226 4.818 5.492 6.261 7.138 2.853 6% 8% 1.000 11.000 2.060 2.080 3.184 3.246 4.375 4.506 5.637 5.867 6.975 7.336 8.394 8.923 9.897 10.637 11.491 12.488 13.181 14 487 14.972 16.645 16.870 18.977 18.882 21.495 21.015 24 215 23.276 27.152 36.786 45.762 54.865 73.106 79.058 113.283 154.762 259.057 10% 12% 14% 1.000 1.000 1.000 2.100 2.120 2.140 3.310 3.374 3.440 4.641 4.779 4.921 6.105 6.353 6.610 7.716 8.115 8.536 9.487 10.089 10.730 11.436 12.300 13.233 13.579 14.776 16.085 15.937 17.549 19.337 18.531 20.655 23.045 21.384 24.133 27.271 24.523 32.089 27.975 32.393 37.581 31.772 37.280 43.842 57.275 72.052 91.025 98.347 133.334 181.871 164.494 241.333 | 356.787 442.593767.091 1,342.025 16% 1.000 2.160 3.506 5.066 6.877 8.977 11.414 14.240 17.519 21.321 25.733 30.850 36.786 43.672 51.660 115.380 249.214 530.312 2,360.757 4.310 5.526 6.802 8.142 9.549 11.027 12.578 14.207 15.917 17.713 19.599 21.579 33.066 47.727 66.439 1 20.800 5.234 6.176 7.288 8.599 10.147 11.974 27.393 62.669 143.371 750.378 2.133 1.384 1.426 1.469 1.513 1.558 1.806 2.094 2.427 3.262 3.452 1.539 1.601 1.665 1.732 1.801 2.191 2.666 3.243 4.801 28.029 1.127 1.138 1.149 1.161 1.220 1.282 1.348 1.489 3.479 3.896 4.363 4.887 5.474 9.646 17.000 29.960 93.051 19.086 23.521 28.755 34.931 42.219 50.818 60.965 146.628 342.603 790.948 4,163.213 16.097 1.486 1.641 1.811 2.208 13.743 26.462 50.950 188.884 19.461 40.874 85.850 3 78.721 22.019 28.243 34.785 48.886 Print Done Print Done Scenario 1. Charlie just hit the jackpot in Las Vegas and won $45,000! If he invests it now at a 12% interest rate, how much will it be worth in 15 years? (Round your answer to the nearest whole dollar.) Future value =S Scenario 2. Curtis would like to have $3,500,000 saved by the time he retires in 40 years. How much does he need to invest now at a 10% interest rate to fund his retirement goal? (Round your answer to the nearest whole dollar.) Present value = $ Scenario 3. Assume that Lilian accumulates savings of $2 million by the time she retires. If she invests this savings at 8%, how much money will she be able to withdraw at the end of each year for 20 years? (Round your answer to the nearest whole dollar and enter as a positive amount.) Amount able to withdraw us C Scenario 4. Donna plans to invest $4,000 at the end of each year for the next eight years. Assuming a 10% interest rate, what will her investment be worth eight years from now? (Round your answer to the nearest whole dollar.) Future value =$ Scenario 5. Assuming a 12% interest rate, how much would Marisa have to invest now to be able to withdraw $10,000 at the end of every year for the next nine years? (Round your answer to the nearest whole dollar.) Present value =s Scenario 6. Darren is considering a capital investment that costs $525,000 and will provide net cash inflows for three years. Using a hurdle rate of 8%, find the NPV of the investment. (Round your answer to the nearest whole dollar. Use parentheses or a minus sign to represent a negative NPV.) Net Present Value (NPV) = $ Scenario 6. Darren is considering a capital investment that costs $525,000 and will provide net cash inflows for three years. Using a hurdle rate of 8%, find the NPV of the investment. (Round your answer to the nearest whole dollar. Use parentheses or a minus sign to represent a negative NPV.) Net Present Value (NPV) =s C Scenario 7. What is the IRR of the capital investment described in Question 6? The IRR is the interest rate at which the investment NPV = 0. We tried 8% in question 6, now we'll try 10% and calculate the NPV. (Round your answer to the nearest whole dollar. Use parentheses or a minus sign to represent a negative NPV.) Net Present Value (NPV) = 5 The IRR for the project is