INTEREST TABLES AND THEIR CONTENTS

 1.FUTURE VALUE OF 1 TABLE. Contains the amounts to which 1 will accumulate if deposited now
at a specified rate and left for a specified number of periods (Table 6.1).
Table6.1FUTURE VALUE OF 1 (FUTURE VALUE OF A SINGLE SUM)
FVFn,i=(1+i)n
(n) Periods 2% 2½% 3% 4% 5% 6%
1 1.02000 1.02500 1.03000 1.04000 1.05000 1.06000
2 1.04040 1.05063 1.06090 1.08160 1.10250 1.12360
3 1.06121 1.07689 1.09273 1.12486 1.15763 1.19102
4 1.08243 1.10381 1.12551 1.16986 1.21551 1.26248
5 1.10408 1.13141 1.15927 1.21665 1.27628 1.33823
6 1.12616 1.15969 1.19405 1.26532 1.34010 1.41852
7 1.14869 1.18869 1.22987 1.31593 1.40710 1.50363
8 1.17166 1.21840 1.26677 1.36857 1.47746 1.59385
9 1.19509 1.24886 1.30477 1.42331 1.55133 1.68948
10 1.21899 1.28008 1.34392 1.48024 1.62889 1.79085
11 1.24337 1.31209 1.38423 1.53945 1.71034 1.89830
12 1.26824 1.34489 1.42576 1.60103 1.79586 2.01220
13 1.29361 1.37851 1.46853 1.66507 1.88565 2.13293
14 1.31948 1.41297 1.51259 1.73168 1.97993 2.26090
15 1.34587 1.44830 1.55797 1.80094 2.07893 2.39656
16 1.37279 1.48451 1.60471 1.87298 2.18287 2.54035
17 1.40024 1.52162 1.65285 1.94790 2.29202 2.69277
18 1.42825 1.55966 1.70243 2.02582 2.40662 2.85434
19 1.45681 1.59865 1.75351 2.10685 2.52695 3.02560
20 1.48595 1.63862 1.80611 2.19112 2.65330 3.20714
21 1.51567 1.67958 1.86029 2.27877 2.78596 3.39956
22 1.54598 1.72157 1.91610 2.36992 2.92526 3.60354
23 1.57690 1.76461 1.97359 2.46472 3.07152 3.81975
24 1.60844 1.80873 2.03279 2.56330 3.22510 4.04893
25 1.64061 1.85394 2.09378 2.66584 3.38635 4.29187
26 1.67342 1.90029 2.15659 2.77247 3.55567 4.54938
27 1.70689 1.94780 2.22129 2.88337 3.73346 4.82235
Table6.1FUTURE VALUE OF 1 (FUTURE VALUE OF A SINGLE SUM)
FVFn,i=(1+i)n
(n) Periods 2% 2½% 3% 4% 5% 6%
28 1.74102 1.99650 2.28793 2.99870 3.92013 5.11169
29 1.77584 2.04641 2.35657 3.11865 4.11614 5.41839
30 1.81136 2.09757 2.42726 3.24340 4.32194 5.74349
31 1.84759 2.15001 2.50008 3.37313 4.53804 6.08810
32 1.88454 2.20376 2.57508 3.50806 4.76494 6.45339
33 1.92223 2.25885 2.65234 3.64838 5.00319 6.84059
34 1.96068 2.31532 2.73191 3.79432 5.25335 7.25103
35 1.99989 2.37321 2.81386 3.94609 5.51602 7.68609
36 2.03989 2.43254 2.89828 4.10393 5.79182 8.14725
37 2.08069 2.49335 2.98523 4.26809 6.08141 8.63609
38 2.12230 2.55568 3.07478 4.43881 6.38548 9.15425
39 2.16474 2.61957 3.16703 4.61637 6.70475 9.70351
40 2.20804 2.68506 3.26204 4.80102 7.03999 10.28572
8% 9% 10% 11% 12% 15% (n) Periods
1.08000 1.09000 1.10000 1.11000 1.12000 1.15000 1
1.16640 1.18810 1.21000 1.23210 1.25440 1.32250 2
1.25971 1.29503 1.33100 1.36763 1.40493 1.52088 3
1.36049 1.41158 1.46410 1.51807 1.57352 1.74901 4
1.46933 1.53862 1.61051 1.68506 1.76234 2.01136 5
1.58687 1.67710 1.77156 1.87041 1.97382 2.31306 6
1.71382 1.82804 1.94872 2.07616 2.21068 2.66002 7
1.85093 1.99256 2.14359 2.30454 2.47596 3.05902 8
1.99900 2.17189 2.35795 2.55803 2.77308 3.51788 9
2.15892 2.36736 2.59374 2.83942 3.10585 4.04556 10
2.33164 2.58043 2.85312 3.15176 3.47855 4.65239 11
2.51817 2.81267 3.13843 3.49845 3.89598 5.35025 12
2.71962 3.06581 3.45227 3.88328 4.36349 6.15279 13
2.93719 3.34173 3.79750 4.31044 4.88711 7.07571 14
3.17217 3.64248 4.17725 4.78459 5.47357 8.13706 15
 Table6.1FUTURE VALUE OF 1 (FUTURE VALUE OF A SINGLE SUM)
FVFn,i=(1+i)n
(n) Periods 2% 2½% 3% 4% 5% 6%
3.42594 3.97031 4.59497 5.31089 6.13039 9.35762 16
3.70002 4.32763 5.05447 5.89509 6.86604 10.76126 17
3.99602 4.71712 5.55992 6.54355 7.68997 12.37545 18
4.31570 5.14166 6.11591 7.26334 8.61276 14.23177 19
4.66096 5.60441 6.72750 8.06231 9.64629 16.36654 20
5.03383 6.10881 7.40025 8.94917 10.80385 18.82152 21
5.43654 6.65860 8.14028 9.93357 12.10031 21.64475 22
5.87146 7.25787 8.95430 11.02627 13.55235 24.89146 23
6.34118 7.91108 9.84973 12.23916 15.17863 28.62518 24
6.84847 8.62308 10.83471 13.58546 17.00000 32.91895 25
7.39635 9.39916 11.91818 15.07986 19.04007 37.85680 26
7.98806 10.24508 13.10999 16.73865 21.32488 43.53532 27
8.62711 11.16714 14.42099 18.57990 23.88387 50.06561 28
9.31727 12.17218 15.86309 20.62369 26.74993 57.57545 29
10.06266 13.26768 17.44940 22.89230 29.95992 66.21177 30
10.86767 14.46177 19.19434 25.41045 33.55511 76.14354 31
11.73708 15.76333 21.11378 28.20560 37.58173 87.56507 32
12.67605 17.18203 23.22515 31.30821 42.09153 100.69983 33
13.69013 18.72841 25.54767 34.75212 47.14252 115.80480 34
14.78534 20.41397 28.10244 38.57485 52.79962 133.17552 35
15.96817 22.25123 30.91268 42.81808 59.13557 153.15185 36
17.24563 24.25384 34.00395 47.52807 66.23184 176.12463 37
18.62528 26.43668 37.40434 52.75616 74.17966 202.54332 38
20.11530 28.81598 41.14479 58.55934 83.08122 232.92482 39
21.72452 31.40942 45.25926 65.00087 93.05097 267.86355 40
 2.PRESENT VALUE OF 1 TABLE. Contains the amounts that must be deposited now at a specified
rate of interest to equal 1 at the end of a specified number of periods (Table 6.2).
Table6.2PRESENT VALUE OF 1 (PRESENT VALUE OF A SINGLE SUM)
PVFn,i=1/(1+i)n=(1+i)−n
(n) Periods 2% 2½% 3% 4% 5% 6%
1 .98039 .97561 .97087 .96154 .95238 .94340
2 .96117 .95181 .94260 .92456 .90703 .89000
3 .94232 .92860 .91514 .88900 .86384 .83962
4 .92385 .90595 .88849 .85480 .82270 .79209
5 .90573 .88385 .86261 .82193 .78353 .74726
6 .88797 .86230 .83748 .79031 .74622 .70496
7 .87056 .84127 .81309 .75992 .71068 .66506
8 .85349 .82075 .78941 .73069 .67684 .62741
9 .83676 .80073 .76642 .70259 .64461 .59190
10 .82035 .78120 .74409 .67556 .61391 .55839
11 .80426 .76214 .72242 .64958 .58468 .52679
12 .78849 .74356 .70138 .62460 .55684 .49697
13 .77303 .72542 .68095 .60057 .53032 .46884
14 .75788 .70773 .66112 .57748 .50507 .44230
15 .74301 .69047 .64186 .55526 .48102 .41727
16 .72845 .67362 .62317 .53391 .45811 .39365
17 .71416 .65720 .60502 .51337 .43630 .37136
18 .70016 .64117 .58739 .49363 .41552 .35034
19 .68643 .62553 .57029 .47464 .39573 .33051
20 .67297 .61027 .55368 .45639 .37689 .31180
21 .65978 .59539 .53755 .43883 .35894 .29416
22 .64684 .58086 .52189 .42196 .34185 .27751
23 .63416 .56670 .50669 .40573 .32557 .26180
24 .62172 .55288 .49193 .39012 .31007 .24698
25 .60953 .53939 .47761 .37512 .29530 .23300
26 .59758 .52623 .46369 .36069 .28124 .21981
27 .58586 .51340 .45019 .34682 .26785 .20737
28 .57437 .50088 .43708 .33348 .25509 .19563
29 .56311 .48866 .42435 .32065 .24295 .18456
Table6.2PRESENT VALUE OF 1 (PRESENT VALUE OF A SINGLE SUM)
PVFn,i=1/(1+i)n=(1+i)−n
(n) Periods 2% 2½% 3% 4% 5% 6%
30 .55207 .47674 .41199 .30832 .23138 .17411
31 .54125 .46511 .39999 .29646 .22036 .16425
32 .53063 .45377 .38834 .28506 .20987 .15496
33 .52023 .44270 .37703 .27409 .19987 .14619
34 .51003 .43191 .36604 .26355 .19035 .13791
35 .50003 .42137 .35538 .25342 .18129 .13011
36 .49022 .41109 .34503 .24367 .17266 .12274
37 .48061 .40107 .33498 .23430 .16444 .11579
38 .47119 .39128 .32523 .22529 .15661 .10924
39 .46195 .38174 .31575 .21662 .14915 .10306
40 .45289 .37243 .30656 .20829 .14205 .09722
8% 9% 10% 11% 12% 15% (n) Periods
.92593 .91743 .90909 .90090 .89286 .86957 1
.85734 .84168 .82645 .81162 .79719 .75614 2
.79383 .77218 .75132 .73119 .71178 .65752 3
.73503 .70843 .68301 .65873 .63552 .57175 4
.68058 .64993 .62092 .59345 .56743 .49718 5
.63017 .59627 .56447 .53464 .50663 .43233 6
.58349 .54703 .51316 .48166 .45235 .37594 7
.54027 .50187 .46651 .43393 .40388 .32690 8
.50025 .46043 .42410 .39092 .36061 .28426 9
.46319 .42241 .38554 .35218 .32197 .24719 10
.42888 .38753 .35049 .31728 .28748 .21494 11
.39711 .35554 .31863 .28584 .25668 .18691 12
.36770 .32618 .28966 .25751 .22917 .16253 13
.34046 .29925 .26333 .23199 .20462 .14133 14
.31524 .27454 .23939 .20900 .18270 .12289 15
.29189 .25187 .21763 .18829 .16312 .10687 16
.27027 .23107 .19785 .16963 .14564 .09293 17
 Table6.2PRESENT VALUE OF 1 (PRESENT VALUE OF A SINGLE SUM)
PVFn,i=1/(1+i)n=(1+i)−n
(n) Periods 2% 2½% 3% 4% 5% 6%
.25025 .21199 .17986 .15282 .13004 .08081 18
.23171 .19449 .16351 .13768 .11611 .07027 19
.21455 .17843 .14864 .12403 .10367 .06110 20
.19866 .16370 .13513 .11174 .09256 .05313 21
.18394 .15018 .12285 .10067 .08264 .04620 22
.17032 .13778 .11168 .09069 .07379 .04017 23
.15770 .12641 .10153 .08170 .06588 .03493 24
.14602 .11597 .09230 .07361 .05882 .03038 25
.13520 .10639 .08391 .06631 .05252 .02642 26
.12519 .09761 .07628 .05974 .04689 .02297 27
.11591 .08955 .06934 .05382 .04187 .01997 28
.10733 .08216 .06304 .04849 .03738 .01737 29
.09938 .07537 .05731 .04368 .03338 .01510 30
.09202 .06915 .05210 .03935 .02980 .01313 31
.08520 .06344 .04736 .03545 .02661 .01142 32
.07889 .05820 .04306 .03194 .02376 .00993 33
.07305 .05340 .03914 .02878 .02121 .00864 34
.06763 .04899 .03558 .02592 .01894 .00751 35
.06262 .04494 .03235 .02335 .01691 .00653 36
.05799 .04123 .02941 .02104 .01510 .00568 37
.05369 .03783 .02674 .01896 .01348 .00494 38
.04971 .03470 .02430 .01708 .01204 .00429 39
.04603 .03184 .02210 .01538 .01075 .00373 40
 3.FUTURE VALUE OF AN ORDINARY ANNUITY OF 1 TABLE. Contains the amounts to which
periodic rents of 1 will accumulate if the payments (rents) are invested at the end of each period at
a specified rate of interest for a specified number of periods (Table 6.3).
Table6.3FUTURE VALUE OF AN ORDINARY ANNUITY OF 1
FVF-OAn,i=((1+i)n−1)/i
(n) Periods 2% 2½% 3% 4% 5% 6%
1 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000
Table6.3FUTURE VALUE OF AN ORDINARY ANNUITY OF 1
FVF-OAn,i=((1+i)n−1)/i
(n) Periods 2% 2½% 3% 4% 5% 6%
2 2.02000 2.02500 2.03000 2.04000 2.05000 2.06000
3 3.06040 3.07563 3.09090 3.12160 3.15250 3.18360
4 4.12161 4.15252 4.18363 4.24646 4.31013 4.37462
5 5.20404 5.25633 5.30914 5.41632 5.52563 5.63709
6 6.30812 6.38774 6.46841 6.63298 6.80191 6.97532
7 7.43428 7.54743 7.66246 7.89829 8.14201 8.39384
8 8.58297 8.73612 8.89234 9.21423 9.54911 9.89747
9 9.75463 9.95452 10.15911 10.58280 11.02656 11.49132
10 10.94972 11.20338 11.46338 12.00611 12.57789 13.18079
11 12.16872 12.48347 12.80780 13.48635 14.20679 14.97164
12 13.41209 13.79555 14.19203 15.02581 15.91713 16.86994
13 14.68033 15.14044 15.61779 16.62684 17.71298 18.88214
14 15.97394 16.51895 17.08632 18.29191 19.59863 21.01507
15 17.29342 17.93193 18.59891 20.02359 21.57856 23.27597
16 18.63929 19.38022 20.15688 21.82453 23.65749 25.67253
17 20.01207 20.86473 21.76159 23.69751 25.84037 28.21288
18 21.41231 22.38635 23.41444 25.64541 28.13238 30.90565
19 22.84056 23.94601 25.11687 27.67123 30.53900 33.75999
20 24.29737 25.54466 26.87037 29.77808 33.06595 36.78559
21 25.78332 27.18327 28.67649 31.96920 35.71925 39.99273
22 27.29898 28.86286 30.53678 34.24797 38.50521 43.39229
23 28.84496 30.58443 32.45288 36.61789 41.43048 46.99583
24 30.42186 32.34904 34.42647 39.08260 44.50200 50.81558
25 32.03030 34.15776 36.45926 41.64591 47.72710 54.86451
26 33.67091 36.01171 38.55304 44.31174 51.11345 59.15638
27 35.34432 37.91200 40.70963 47.08421 54.66913 63.70577
28 37.05121 39.85980 42.93092 49.96758 58.40258 68.52811
29 38.79223 41.85630 45.21885 52.96629 62.32271 73.63980
30 40.56808 43.90270 47.57542 56.08494 66.43885 79.05819
Table6.3FUTURE VALUE OF AN ORDINARY ANNUITY OF 1
FVF-OAn,i=((1+i)n−1)/i
(n) Periods 2% 2½% 3% 4% 5% 6%
31 42.37944 46.00027 50.00268 59.32834 70.76079 84.80168
32 44.22703 48.15028 52.50276 62.70147 75.29883 90.88978
33 46.11157 50.35403 55.07784 66.20953 80.06377 97.34316
34 48.03380 52.61289 57.73018 69.85791 85.06696 104.18376
35 49.99448 54.92821 60.46208 73.65222 90.32031 111.43478
36 51.99437 57.30141 63.27594 77.59831 95.83632 119.12087
37 54.03425 59.73395 66.17422 81.70225 101.62814 127.26812
38 56.11494 62.22730 69.15945 85.97034 107.70955 135.90421
39 58.23724 64.78298 72.23423 90.40915 114.09502 145.05846
40 60.40198 67.40255 75.40126 95.02552 120.79977 154.76197
8% 9% 10% 11% 12% 15% (n) Periods
1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1
2.08000 2.09000 2.10000 2.11000 2.12000 2.15000 2
3.24640 3.27810 3.31000 3.34210 3.37440 3.47250 3
4.50611 4.57313 4.64100 4.70973 4.77933 4.99338 4
5.86660 5.98471 6.10510 6.22780 6.35285 6.74238 5
7.33592 7.52334 7.71561 7.91286 8.11519 8.75374 6
8.92280 9.20044 9.48717 9.78327 10.08901 11.06680 7
10.63663 11.02847 11.43589 11.85943 12.29969 13.72682 8
12.48756 13.02104 13.57948 14.16397 14.77566 16.78584 9
14.48656 15.19293 15.93743 16.72201 17.54874 20.30372 10
16.64549 17.56029 18.53117 19.56143 20.65458 24.34928 11
18.97713 20.14072 21.38428 22.71319 24.13313 29.00167 12
21.49530 22.95339 24.52271 26.21164 28.02911 34.35192 13
24.21492 26.01919 27.97498 30.09492 32.39260 40.50471 14
27.15211 29.36092 31.77248 34.40536 37.27972 47.58041 15
30.32428 33.00340 35.94973 39.18995 42.75328 55.71747 16
33.75023 36.97371 40.54470 44.50084 48.88367 65.07509 17
37.45024 41.30134 45.59917 50.39593 55.74972 75.83636 18
 Table6.3FUTURE VALUE OF AN ORDINARY ANNUITY OF 1
FVF-OAn,i=((1+i)n−1)/i
(n) Periods 2% 2½% 3% 4% 5% 6%
41.44626 46.01846 51.15909 56.93949 63.43968 88.21181 19
45.76196 51.16012 57.27500 64.20283 72.05244 102.44358 20
50.42292 56.76453 64.00250 72.26514 81.69874 118.81012 21
55.45676 62.87334 71.40275 81.21431 92.50258 137.63164 22
60.89330 69.53194 79.54302 91.14788 104.60289 159.27638 23
66.76476 76.78981 88.49733 102.17415 118.15524 184.16784 24
73.10594 84.70090 98.34706 114.41331 133.33387 212.79302 25
79.95442 93.32398 109.18177 127.99877 150.33393 245.71197 26
87.35077 102.72314 121.09994 143.07864 169.37401 283.56877 27
95.33883 112.96822 134.20994 159.81729 190.69889 327.10408 28
103.96594 124.13536 148.63093 178.39719 214.58275 377.16969 29
113.28321 136.30754 164.49402 199.02088 241.33268 434.74515 30
123.34587 149.57522 181.94343 221.91317 271.29261 500.95692 31
134.21354 164.03699 201.13777 247.32362 304.84772 577.10046 32
145.95062 179.80032 222.25154 275.52922 342.42945 644.66553 33
158.62667 196.98234 245.47670 306.83744 384.52098 765.36535 34
172.31680 215.71076 271.02437 341.58955 431.66350 881.17016 35
187.10215 236.12472 299.12681 380.16441 484.46312 1014.34568 36
203.07032 258.37595 330.03949 422.98249 543.59869 1167.49753 37
220.31595 282.62978 364.04343 470.51056 609.83053 1343.62216 38
238.94122 309.06646 401.44778 523.26673 684.01020 1546.16549 39
259.05652 337.88245 442.59256 581.82607 767.09142 1779.09031 40
 4.PRESENT VALUE OF AN ORDINARY ANNUITY OF 1 TABLE. Contains the amounts that must be
deposited now at a specified rate of interest to permit withdrawals of 1 at the endof regular periodic
intervals for the specified number of periods (Table 6.4).
Table6.4PRESENT VALUE OF AN ORDINARY ANNUITY OF 1
PVF-OAn,i=(1−(1/(1+i)n))/i
(n) Periods 2% 2½% 3% 4% 5% 6%
1 .98039 .97561 .97087 .96154 .95238 .94340
2 1.94156 1.92742 1.91347 1.88609 1.85941 1.83339
Table6.4PRESENT VALUE OF AN ORDINARY ANNUITY OF 1
PVF-OAn,i=(1−(1/(1+i)n))/i
(n) Periods 2% 2½% 3% 4% 5% 6%
3 2.88388 2.85602 2.82861 2.77509 2.72325 2.67301
4 3.80773 3.76197 3.71710 3.62990 3.54595 3.46511
5 4.71346 4.64583 4.57971 4.45182 4.32948 4.21236
6 5.60143 5.50813 5.41719 5.24214 5.07569 4.91732
7 6.47199 6.34939 6.23028 6.00205 5.78637 5.58238
8 7.32548 7.17014 7.01969 6.73274 6.46321 6.20979
9 8.16224 7.97087 7.78611 7.43533 7.10782 6.80169
10 8.98259 8.75206 8.53020 8.11090 7.72173 7.36009
11 9.78685 9.51421 9.25262 8.76048 8.30641 7.88687
12 10.57534 10.25776 9.95400 9.38507 8.86325 8.38384
13 11.34837 10.98319 10.63496 9.98565 9.39357 8.85268
14 12.10625 11.69091 11.29607 10.56312 9.89864 9.29498
15 12.84926 12.38138 11.93794 11.11839 10.37966 9.71225
16 13.57771 13.05500 12.56110 11.65230 10.83777 10.10590
17 14.29187 13.71220 13.16612 12.16567 11.27407 10.47726
18 14.99203 14.35336 13.75351 12.65930 11.68959 10.82760
19 15.67846 14.97889 14.32380 13.13394 12.08532 11.15812
20 16.35143 15.58916 14.87747 13.59033 12.46221 11.46992
21 17.01121 16.18455 15.41502 14.02916 12.82115 11.76408
22 17.65805 16.76541 15.93692 14.45112 13.16300 12.04158
23 18.29220 17.33211 16.44361 14.85684 13.48857 12.30338
24 18.91393 17.88499 16.93554 15.24696 13.79864 12.55036
25 19.52346 18.42438 17.41315 15.62208 14.09394 12.78336
26 20.12104 18.95061 17.87684 15.98277 14.37519 13.00317
27 20.70690 19.46401 18.32703 16.32959 14.64303 13.21053
28 21.28127 19.96489 18.76411 16.66306 14.89813 13.40616
29 21.84438 20.45355 19.18845 16.98371 15.14107 13.59072
30 22.39646 20.93029 19.60044 17.29203 15.37245 13.76483
31 22.93770 21.39541 20.00043 17.58849 15.59281 13.92909
Table6.4PRESENT VALUE OF AN ORDINARY ANNUITY OF 1
PVF-OAn,i=(1−(1/(1+i)n))/i
(n) Periods 2% 2½% 3% 4% 5% 6%
32 23.46833 21.84918 20.38877 17.87355 15.80268 14.08404
33 23.98856 22.29188 20.76579 18.14765 16.00255 14.23023
34 24.49859 22.72379 21.13184 18.41120 16.19290 14.36814
35 24.99862 23.14516 21.48722 18.66461 16.37419 14.49825
36 25.48884 23.55625 21.83225 18.90828 16.54685 14.62099
37 25.96945 23.95732 22.16724 19.14258 16.71129 14.73678
38 26.44064 24.34860 22.49246 19.36786 16.86789 14.84602
39 26.90259 24.73034 22.80822 19.58448 17.01704 14.94907
40 27.35548 25.10278 23.11477 19.79277 17.15909 15.04630
8% 9% 10% 11% 12% 15% (n) Periods
.92593 .91743 .90909 .90090 .89286 .86957 1
1.78326 1.75911 1.73554 1.71252 1.69005 1.62571 2
2.57710 2.53130 2.48685 2.44371 2.40183 2.28323 3
3.31213 3.23972 3.16986 3.10245 3.03735 2.85498 4
3.99271 3.88965 3.79079 3.69590 3.60478 3.35216 5
4.62288 4.48592 4.35526 4.23054 4.11141 3.78448 6
5.20637 5.03295 4.86842 4.71220 4.56376 4.16042 7
5.74664 5.53482 5.33493 5.14612 4.96764 4.48732 8
6.24689 5.99525 5.75902 5.53705 5.32825 4.77158 9
6.71008 6.41766 6.14457 5.88923 5.65022 5.01877 10
7.13896 6.80519 6.49506 6.20652 5.93770 5.23371 11
7.53608 7.16073 6.81369 6.49236 6.19437 5.42062 12
7.90378 7.48690 7.10336 6.74987 6.42355 5.58315 13
8.24424 7.78615 7.36669 6.98187 6.62817 5.72448 14
8.55948 8.06069 7.60608 7.19087 6.81086 5.84737 15
8.85137 8.31256 7.82371 7.37916 6.97399 5.95424 16
9.12164 8.54363 8.02155 7.54879 7.11963 6.04716 17
9.37189 8.75563 8.20141 7.70162 7.24967 6.12797 18
9.60360 8.95012 8.36492 7.83929 7.36578 6.19823 19
 Table6.4PRESENT VALUE OF AN ORDINARY ANNUITY OF 1
PVF-OAn,i=(1−(1/(1+i)n))/i
(n) Periods 2% 2½% 3% 4% 5% 6%
9.81815 9.12855 8.51356 7.96333 7.46944 6.25933 20
10.01680 9.29224 8.64869 8.07507 7.56200 6.31246 21
10.20074 9.44243 8.77154 8.17574 7.64465 6.35866 22
10.37106 9.58021 8.88322 8.26643 7.71843 6.39884 23
10.52876 9.70661 8.98474 8.34814 7.78432 6.43377 24
10.67478 9.82258 9.07704 8.42174 7.84314 6.46415 25
10.80998 9.92897 9.16095 8.48806 7.89566 6.49056 26
10.93516 10.02658 9.23722 8.54780 7.94255 6.51353 27
11.05108 10.11613 9.30657 8.60162 7.98442 6.53351 28
11.15841 10.19828 9.36961 8.65011 8.02181 6.55088 29
11.25778 10.27365 9.42691 8.69379 8.05518 6.56598 30
11.34980 10.34280 9.47901 8.73315 8.08499 6.57911 31
11.43500 10.40624 9.52638 8.76860 8.11159 6.59053 32
11.51389 10.46444 9.56943 8.80054 8.13535 6.60046 33
11.58693 10.51784 9.60858 8.82932 8.15656 6.60910 34
11.65457 10.56682 9.64416 8.85524 8.17550 6.61661 35
11.71719 10.61176 9.67651 8.87859 8.19241 6.62314 36
11.77518 10.65299 9.70592 8.89963 8.20751 6.62882 37
11.82887 10.69082 9.73265 8.91859 8.22099 6.63375 38
11.87858 10.72552 9.75697 8.93567 8.23303 6.63805 39
11.92461 10.75736 9.77905 8.95105 8.24378 6.64178 40
 5.PRESENT VALUE OF AN ANNUITY DUE OF 1 TABLE. Contains the amounts that must be
deposited now at a specified rate of interest to permit withdrawals of 1 at the beginning of regular
periodic intervals for the specified number of periods (Table 6.5).
Table6.5PRESENT VALUE OF AN ANNUITY DUE OF 1
PVF-ADn,i=1+(1−(1/(1+i)n−1)/i)
(n) Periods 2% 2½% 3% 4% 5% 6%
1 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000
2 1.98039 1.97561 1.97087 1.96154 1.95238 1.94340
3 2.94156 2.92742 2.91347 2.88609 2.85941 2.83339
Table6.5PRESENT VALUE OF AN ANNUITY DUE OF 1
PVF-ADn,i=1+(1−(1/(1+i)n−1)/i)
(n) Periods 2% 2½% 3% 4% 5% 6%
4 3.88388 3.85602 3.82861 3.77509 3.72325 3.67301
5 4.80773 4.76197 4.71710 4.62990 4.54595 4.46511
6 5.71346 5.64583 5.57971 5.45182 5.32948 5.21236
7 6.60143 6.50813 6.41719 6.24214 6.07569 5.91732
8 7.47199 7.34939 7.23028 7.00205 6.78637 6.58238
9 8.32548 8.17014 8.01969 7.73274 7.46321 7.20979
10 9.16224 8.97087 8.78611 8.43533 8.10782 7.80169
11 9.98259 9.75206 9.53020 9.11090 8.72173 8.36009
12 10.78685 10.51421 10.25262 9.76048 9.30641 8.88687
13 11.57534 11.25776 10.95400 10.38507 9.86325 9.38384
14 12.34837 11.98319 11.63496 10.98565 10.39357 9.85268
15 13.10625 12.69091 12.29607 11.56312 10.89864 10.29498
16 13.84926 13.38138 12.93794 12.11839 11.37966 10.71225
17 14.57771 14.05500 13.56110 12.65230 11.83777 11.10590
18 15.29187 14.71220 14.16612 13.16567 12.27407 11.47726
19 15.99203 15.35336 14.75351 13.65930 12.68959 11.82760
20 16.67846 15.97889 15.32380 14.13394 13.08532 12.15812
21 17.35143 16.58916 15.87747 14.59033 13.46221 12.46992
22 18.01121 17.18455 16.41502 15.02916 13.82115 12.76408
23 18.65805 17.76541 16.93692 15.45112 14.16300 13.04158
24 19.29220 18.33211 17.44361 15.85684 14.48857 13.30338
25 19.91393 18.88499 17.93554 16.24696 14.79864 13.55036
26 20.52346 19.42438 18.41315 16.62208 15.09394 13.78336
27 21.12104 19.95061 18.87684 16.98277 15.37519 14.00317
28 21.70690 20.46401 19.32703 17.32959 15.64303 14.21053
29 22.28127 20.96489 19.76411 17.66306 15.89813 14.40616
30 22.84438 21.45355 20.18845 17.98371 16.14107 14.59072
31 23.39646 21.93029 20.60044 18.29203 16.37245 14.76483
32 23.93770 22.39541 21.00043 18.58849 16.59281 14.92909
Table6.5PRESENT VALUE OF AN ANNUITY DUE OF 1
PVF-ADn,i=1+(1−(1/(1+i)n−1)/i)
(n) Periods 2% 2½% 3% 4% 5% 6%
33 24.46833 22.84918 21.38877 18.87355 16.80268 15.08404
34 24.98856 23.29188 21.76579 19.14765 17.00255 15.23023
35 25.49859 23.72379 22.13184 19.41120 17.19290 15.36814
36 25.99862 24.14516 22.48722 19.66461 17.37419 15.49825
37 26.48884 24.55625 22.83225 19.90828 17.54685 15.62099
38 26.96945 24.95732 23.16724 20.14258 17.71129 15.73678
39 27.44064 25.34860 23.49246 20.36786 17.86789 15.84602
40 27.90259 25.73034 23.80822 20.58448 18.01704 15.94907
8% 9% 10% 11% 12% 15% (n) Periods
1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1
1.92593 1.91743 1.90909 1.90090 1.89286 1.86957 2
2.78326 2.75911 2.73554 2.71252 2.69005 2.62571 3
3.57710 3.53130 3.48685 3.44371 3.40183 3.28323 4
4.31213 4.23972 4.16986 4.10245 4.03735 3.85498 5
4.99271 4.88965 4.79079 4.69590 4.60478 4.35216 6
5.62288 5.48592 5.35526 5.23054 5.11141 4.78448 7
6.20637 6.03295 5.86842 5.71220 5.56376 5.16042 8
6.74664 6.53482 6.33493 6.14612 5.96764 5.48732 9
7.24689 6.99525 6.75902 6.53705 6.32825 5.77158 10
7.71008 7.41766 7.14457 6.88923 6.65022 6.01877 11
8.13896 7.80519 7.49506 7.20652 6.93770 6.23371 12
8.53608 8.16073 7.81369 7.49236 7.19437 6.42062 13
8.90378 8.48690 8.10336 7.74987 7.42355 6.58315 14
9.24424 8.78615 8.36669 7.98187 7.62817 6.72448 15
9.55948 9.06069 8.60608 8.19087 7.81086 6.84737 16
9.85137 9.31256 8.82371 8.37916 7.97399 6.95424 17
10.12164 9.54363 9.02155 8.54879 8.11963 7.04716 18
10.37189 9.75563 9.20141 8.70162 8.24967 7.12797 19
10.60360 9.95012 9.36492 8.83929 8.36578 7.19823 20
Table6.5PRESENT VALUE OF AN ANNUITY DUE OF 1
PVF-ADn,i=1+(1−(1/(1+i)n−1)/i)
(n) Periods 2% 2½% 3% 4% 5% 6%
10.81815 10.12855 9.51356 8.96333 8.46944 7.25933 21
11.01680 10.29224 9.64869 9.07507 8.56200 7.31246 22
11.20074 10.44243 9.77154 9.17574 8.64465 7.35866 23
11.37106. 10.58021 9.88322 9.26643 8.71843 7.39884 24
11.52876 10.70661 9.98474 9.34814 8.78432 7.43377 25
11.67478 10.82258 10.07704 9.42174 8.84314 7.46415 26
11.80998 10.92897 10.16095 9.48806 8.89566 7.49056 27
11.93518 11.02658 10.23722 9.54780 8.94255 7.51353 28
12.05108 11.11613 10.30657 9.60162 8.98442 7.53351 29
12.15841 11.19828 10.36961 9.65011 9.02181 7.55088 30
12.25778 11.27365 10.42691 9.69379 9.05518 7.56598 31
12.34980 11.34280 10.47901 9.73315 9.08499 7.57911 32
12.43500 11.40624 10.52638 9.76860 9.11159 7.59053 33
12.51389 11.46444 10.56943 9.80054 9.13535 7.60046 34
12.58693 11.51784 10.60858 9.82932 9.15656 7.60910 35
12.65457 11.56682 10.64416 9.85524 9.17550 7.61661 36
12.71719 11.61176 10.67651 9.87859 9.19241 7.62314 37
12.77518 11.65299 10.70592 9.89963 9.20751 7.62882 38
12.82887 11.69082 10.73265 9.91859 9.22099 7.63375 39
12.87858 11.72552 10.75697 9.93567 9.23303 7.63805 40