TABLE C-1 Discrete Compounding; i = 1/4%

Single Payment Uniform Series Uniform Gradient

Compound Present Compound Present Sinking Capital Gradient Gradient
Amount Worth Amount Worth Fund Recovery Present Worth Uniform Series
Factor Factor Factor Factor Factor Factor Factor Factor
To Find F To Find P To Find F To Find P To Find A To Find A To Find P To Find A
Given P Given F Given A Given A Given F Given P Given G Given G
N F/P P/F F/A P/A A/F A/P P/G A/G N
1 1.0025 0.9975 1.0000 0.9975 1.0000 1.0025 0.000 0.0000 1
2 1.0050 0.9950 2.0025 1.9925 0.4994 0.5019 0.995 0.4994 2
3 1.0075 0.9925 3.0075 2.9851 0.3325 0.3350 2.980 0.9983 3
4 1.0100 0.9901 4.0150 3.9751 0.2491 0.2516 5.950 1.4969 4
5 1.0126 0.9876 5.0251 4.9627 0.1990 0.2015 9.901 1.9950 5
6 1.0151 0.9851 6.0376 5.9478 0.1656 0.1681 14.826 2.4927 6
7 1.0176 0.9827 7.0527 6.9305 0.1418 0.1443 20.722 2.9900 7
8 1.0202 0.9802 8.0704 7.9107 0.1239 0.1264 27.584 3.4869 8
9 1.0227 0.9778 9.0905 8.8885 0.1100 0.1125 35.406 3.9834 9
10 1.0253 0.9753 10.1133 9.8639 0.0989 0.1014 44.184 4.4794 10
11 1.0278 0.9729 11.1385 10.8368 0.0898 0.0923 53.913 4.9750 11
12 1.0304 0.9705 12.1664 11.8073 0.0822 0.0847 64.589 5.4702 12
13 1.0330 0.9681 13.1968 12.7753 0.0758 0.0783 76.205 5.9650 13
14 1.0356 0.9656 14.2298 13.7410 0.0703 0.0728 88.759 6.4594 14
15 1.0382 0.9632 15.2654 14.7042 0.0655 0.0680 102.244 6.9534 15
16 1.0408 0.9608 16.3035 15.6650 0.0613 0.0638 116.657 7.4469 16
17 1.0434 0.9584 17.3443 16.6235 0.0577 0.0602 131.992 7.9401 17
18 1.0460 0.9561 18.3876 17.5795 0.0544 0.0569 148.245 8.4328 18
19 1.0486 0.9537 19.4336 18.5332 0.0515 0.0540 165.411 8.9251 19
20 1.0512 0.9513 20.4822 19.4845 0.0488 0.0513 183.485 9.4170 20
21 1.0538 0.9489 21.5334 20.4334 0.0464 0.0489 202.463 9.9085 21
22 1.0565 0.9466 22.5872 21.3800 0.0443 0.0468 222.341 10.3995 22
23 1.0591 0.9442 23.6437 22.3241 0.0423 0.0448 243.113 10.8901 23
24 1.0618 0.9418 24.7028 23.2660 0.0405 0.0430 264.775 11.3804 24
25 1.0644 0.9395 25.7646 24.2055 0.0388 0.0413 287.323 11.8702 25
30 1.0778 0.9278 31.1133 28.8679 0.0321 0.0346 413.185 14.3130 30
36 1.0941 0.9140 37.6206 34.3865 0.0266 0.0291 592.499 17.2306 36
40 1.1050 0.9050 42.0132 38.0199 0.0238 0.0263 728.740 19.1673 40
48 1.1273 0.8871 50.9312 45.1787 0.0196 0.0221 1040.055 23.0209 48
60 1.1616 0.8609 64.6467 55.6524 0.0155 0.0180 1600.085 28.7514 60
72 1.1969 0.8355 78.7794 65.8169 0.0127 0.0152 2265.557 34.4221 72
84 1.2334 0.8108 93.3419 75.6813 0.0107 0.0132 3029.759 40.0331 84
100 1.2836 0.7790 113.4500 88.3825 0.0088 0.0113 4191.242 47.4216 100
∞ 400.0000 0.0025 ∞
TABLE C-2 Discrete Compounding; i = 1/2%
Single Payment Uniform Series Uniform Gradient
Compound Present Compound Present Sinking Capital Gradient Gradient
Amount Worth Amount Worth Fund Recovery Present Worth Uniform Series
Factor Factor Factor Factor Factor Factor Factor Factor
To Find F To Find P To Find F To Find P To Find A To Find A To Find P To Find A
Given P Given F Given A Given A Given F Given P Given G Given G
N F/P P/F F/A P/A A/F A/P P/G A/G N
1 1.0050 0.9950 1.0000 0.9950 1.0000 1.0050 0.000 0.0000 1
2 1.0100 0.9901 2.0050 1.9851 0.4988 0.5038 0.990 0.4988 2
3 1.0151 0.9851 3.0150 2.9702 0.3317 0.3367 2.960 0.9967 3
4 1.0202 0.9802 4.0301 3.9505 0.2481 0.2531 5.901 1.4938 4
5 1.0253 0.9754 5.0503 4.9259 0.1980 0.2030 9.803 1.9900 5
6 1.0304 0.9705 6.0755 5.8964 0.1646 0.1696 14.655 2.4855 6
7 1.0355 0.9657 7.1059 6.8621 0.1407 0.1457 20.449 2.9801 7
8 1.0407 0.9609 8.1414 7.8230 0.1228 0.1278 27.176 3.4738 8
9 1.0459 0.9561 9.1821 8.7791 0.1089 0.1139 34.824 3.9668 9
10 1.0511 0.9513 10.2280 9.7304 0.0978 0.1028 43.387 4.4589 10
11 1.0564 0.9466 11.2792 10.6770 0.0887 0.0937 52.853 4.9501 11
12 1.0617 0.9419 12.3356 11.6189 0.0811 0.0861 63.214 5.4406 12
13 1.0670 0.9372 13.3972 12.5562 0.0746 0.0796 74.460 5.9302 13
14 1.0723 0.9326 14.4642 13.4887 0.0691 0.0741 86.584 6.4190 14
15 1.0777 0.9279 15.5365 14.4166 0.0644 0.0694 99.574 6.9069 15
16 1.0831 0.9233 16.6142 15.3399 0.0602 0.0652 113.424 7.3940 16
17 1.0885 0.9187 17.6973 16.2586 0.0565 0.0615 128.123 7.8803 17
18 1.0939 0.9141 18.7858 17.1728 0.0532 0.0582 143.663 8.3658 18
19 1.0994 0.9096 19.8797 18.0824 0.0503 0.0553 160.036 8.8504 19
20 1.1049 0.9051 20.9791 18.9874 0.0477 0.0527 177.232 9.3342 20
21 1.1104 0.9006 22.0840 19.8880 0.0453 0.0503 195.243 9.8172 21
22 1.1160 0.8961 23.1944 20.7841 0.0431 0.0481 214.061 10.2993 22
23 1.1216 0.8916 24.3104 21.6757 0.0411 0.0461 233.677 10.7806 23
24 1.1272 0.8872 25.4320 22.5629 0.0393 0.0443 254.082 11.2611 24
25 1.1328 0.8828 26.5591 23.4456 0.0377 0.0427 275.269 11.7407 25
30 1.1614 0.8610 32.2800 27.7941 0.0310 0.0360 392.632 14.1265 30
36 1.1967 0.8356 39.3361 32.8710 0.0254 0.0304 557.560 16.9621 36
40 1.2208 0.8191 44.1588 36.1722 0.0226 0.0276 681.335 18.8359 40
48 1.2705 0.7871 54.0978 42.5803 0.0185 0.0235 959.919 22.5437 48
60 1.3489 0.7414 69.7700 51.7256 0.0143 0.0193 1448.646 28.0064 60
72 1.4320 0.6983 86.4089 60.3395 0.0116 0.0166 2012.348 33.3504 72
84 1.5204 0.6577 104.0739 68.4530 0.0096 0.0146 2640.664 38.5763 84
100 1.6467 0.6073 129.3337 78.5426 0.0077 0.0127 3562.793 45.3613 100
∞ 200.0000 0.0050 ∞
TABLE C-3 Discrete Compounding; i = 3/4%
Single Payment Uniform Series Uniform Gradient
Compound Present Compound Present Sinking Capital Gradient Gradient
Amount Worth Amount Worth Fund Recovery Present Worth Uniform Series
Factor Factor Factor Factor Factor Factor Factor Factor
To Find F To Find P To Find F To Find P To Find A To Find A To Find P To Find A
Given P Given F Given A Given A Given F Given P Given G Given G
N F/P P/F F/A P/A A/F A/P P/G A/G N
1 1.0075 0.9926 1.0000 0.9926 1.0000 1.0075 0.000 0.0000 1
2 1.0151 0.9852 2.0075 1.9777 0.4981 0.5056 0.985 0.4981 2
3 1.0227 0.9778 3.0226 2.9556 0.3308 0.3383 2.941 0.9950 3
4 1.0303 0.9706 4.0452 3.9261 0.2472 0.2547 5.853 1.4907 4
5 1.0381 0.9633 5.0756 4.8894 0.1970 0.2045 9.706 1.9851 5
6 1.0459 0.9562 6.1136 5.8456 0.1636 0.1711 14.487 2.4782 6
7 1.0537 0.9490 7.1595 6.7946 0.1397 0.1472 20.181 2.9701 7
8 1.0616 0.9420 8.2132 7.7366 0.1218 0.1293 26.775 3.4608 8
9 1.0696 0.9350 9.2748 8.6716 0.1078 0.1153 34.254 3.9502 9
10 1.0776 0.9280 10.3443 9.5996 0.0967 0.1042 42.606 4.4384 10
11 1.0857 0.9211 11.4219 10.5207 0.0876 0.0951 51.817 4.9253 11
12 1.0938 0.9142 12.5076 11.4349 0.0800 0.0875 61.874 5.4110 12
13 1.1020 0.9074 13.6014 12.3423 0.0735 0.0810 72.763 5.8954 13
14 1.1103 0.9007 14.7034 13.2430 0.0680 0.0755 84.472 6.3786 14
15 1.1186 0.8940 15.8137 14.1370 0.0632 0.0707 96.988 6.8606 15
16 1.1270 0.8873 16.9323 15.0243 0.0591 0.0666 110.297 7.3413 16
17 1.1354 0.8807 18.0593 15.9050 0.0554 0.0629 124.389 7.8207 17
18 1.1440 0.8742 19.1947 16.7792 0.0521 0.0596 139.249 8.2989 18
19 1.1525 0.8676 20.3387 17.6468 0.0492 0.0567 154.867 8.7759 19
20 1.1612 0.8612 21.4912 18.5080 0.0465 0.0540 171.230 9.2516 20
21 1.1699 0.8548 22.6524 19.3628 0.0441 0.0516 188.325 9.7261 21
22 1.1787 0.8484 23.8223 20.2112 0.0420 0.0495 206.142 10.1994 22
23 1.1875 0.8421 25.0010 21.0533 0.0400 0.0475 224.668 10.6714 23
24 1.1964 0.8358 26.1885 21.8891 0.0382 0.0457 243.892 11.1422 24
25 1.2054 0.8296 27.3849 22.7188 0.0365 0.0440 263.803 11.6117 25
30 1.2513 0.7992 33.5029 26.7751 0.0298 0.0373 373.263 13.9407 30
36 1.3086 0.7641 41.1527 34.4468 0.0243 0.0318 524.992 16.6946 36
40 1.3483 0.7416 46.4464 34.4469 0.0215 0.0290 637.469 18.5058 40
48 1.4314 0.6986 57.5207 40.1848 0.0174 0.0249 886.840 22.0691 48
60 1.5657 0.6387 75.4241 48.1734 0.0133 0.0208 1313.519 27.2665 60
72 1.7126 0.5839 95.0070 55.4768 0.0105 0.0180 1791.246 32.2882 72
84 1.8732 0.5338 116.4269 62.1540 0.0086 0.0161 2308.128 37.1357 84
100 2.1111 0.4737 148.1445 70.1746 0.0068 0.0143 3040.745 43.3311 100
∞ 133.3333 0.0075 ∞
TABLE C-4 Discrete Compounding; i = 1%
Single Payment Uniform Series Uniform Gradient
Compound Present Compound Present Sinking Capital Gradient Gradient
Amount Worth Amount Worth Fund Recovery Present Worth Uniform Series
Factor Factor Factor Factor Factor Factor Factor Factor
To Find F To Find P To Find F To Find P To Find A To Find A To Find P To Find A
Given P Given F Given A Given A Given F Given P Given G Given G
N F/P P/F F/A P/A A/F A/P P/G A/G N
1 1.0100 0.9901 1.0000 0.9901 1.0000 1.0100 0.000 0.0000 1
2 1.0201 0.9803 2.0100 1.9704 0.4975 0.5075 0.980 0.4975 2
3 1.0303 0.9706 3.0301 2.9410 0.3300 0.3400 2.922 0.9934 3
4 1.0406 0.9610 4.0604 3.9020 0.2463 0.2563 5.804 1.4876 4
5 1.0510 0.9515 5.1010 4.8534 0.1960 0.2060 9.610 1.9801 5
6 1.0615 0.9420 6.1520 5.7955 0.1625 0.1725 14.321 2.4710 6
7 1.0721 0.9327 7.2135 6.7282 0.1386 0.1486 19.917 2.9602 7
8 1.0829 0.9235 8.2857 7.6517 0.1207 0.1307 26.381 3.4478 8
9 1.0937 0.9143 9.3685 8.5660 0.1067 0.1167 33.696 3.9337 9
10 1.1046 0.9053 10.4622 9.4713 0.0956 0.1056 41.844 4.4179 10
11 1.1157 0.8963 11.5668 10.3676 0.0865 0.0965 50.807 4.9005 11
12 1.1268 0.8874 12.6825 11.2551 0.0788 0.0888 60.569 5.3815 12
13 1.1381 0.8787 13.8093 12.1337 0.0724 0.0824 71.113 5.8607 13
14 1.1495 0.8700 14.9474 13.0037 0.0669 0.0769 82.422 6.3384 14
15 1.1610 0.8613 16.0969 13.8651 0.0621 0.0721 94.481 6.8143 15
16 1.1726 0.8528 17.2579 14.7179 0.0579 0.0679 107.273 7.2886 16
17 1.1843 0.8444 18.4304 15.5623 0.0543 0.0643 120.783 7.7613 17
18 1.1961 0.8360 19.6147 16.3983 0.0510 0.0610 134.996 8.2323 18
19 1.2081 0.8277 20.8109 17.2260 0.0481 0.0581 149.895 8.7017 19
20 1.2202 0.8195 22.0190 18.0456 0.0454 0.0554 165.466 9.1694 20
21 1.2324 0.8114 23.2392 18.8570 0.0430 0.0530 181.695 9.6354 21
22 1.2447 0.8034 24.4716 19.6604 0.0409 0.0509 198.566 10.0998 22
23 1.2572 0.7954 25.7163 20.4558 0.0389 0.0489 216.066 10.5626 23
24 1.2697 0.7876 26.9734 21.2434 0.0371 0.0471 234.180 11.0237 24
25 1.2824 0.7798 28.2432 22.0232 0.0354 0.0454 252.895 11.4831 25
30 1.3478 0.7419 34.7849 25.8077 0.0287 0.0387 355.002 13.7557 30
36 1.4308 0.6989 43.0769 30.1075 0.0232 0.0332 494.621 16.4285 36
40 1.4889 0.6717 48.8863 32.8346 0.0205 0.0305 596.856 18.1776 40
48 1.6122 0.6203 61.2226 37.9740 0.0163 0.0263 820.146 21.5976 48
60 1.8167 0.5504 81.6697 44.9550 0.0122 0.0222 1192.806 26.5333 60
72 2.0471 0.4885 104.7099 51.1504 0.0096 0.0196 1597.867 31.2386 72
84 2.3067 0.4335 130.6723 56.6485 0.0077 0.0177 2023.315 35.7170 84
100 2.7048 0.3697 170.4814 63.0289 0.0059 0.0159 2605.776 41.3426 100
∞ 100.0000 0.0100 ∞
TABLE C-5 Discrete Compounding; i = 2%
Single Payment Uniform Series Uniform Gradient
Compound Present Compound Present Sinking Capital Gradient Gradient
Amount Worth Amount Worth Fund Recovery Present Worth Uniform Series
Factor Factor Factor Factor Factor Factor Factor Factor
To Find F To Find P To Find F To Find P To Find A To Find A To Find P To Find A
Given P Given F Given A Given A Given F Given P Given G Given G
N F/P P/F F/A P/A A/F A/P P/G A/G N
1 1.0200 0.9804 1.0000 0.9804 1.0000 1.0200 0.000 0.0000 1
2 1.0404 0.9612 2.0200 1.9416 0.4950 0.5150 0.961 0.4950 2
3 1.0612 0.9423 3.0604 2.8839 0.3268 0.3468 2.846 0.9868 3
4 1.0824 0.9238 4.1216 3.8077 0.2426 0.2626 5.617 1.4752 4
5 1.1041 0.9057 5.2040 4.7135 0.1922 0.2122 9.240 1.9604 5
6 1.1262 0.8880 6.3081 5.6014 0.1585 0.1785 13.680 2.4423 6
7 1.1487 0.8706 7.4343 6.4720 0.1345 0.1545 18.904 2.9208 7
8 1.1717 0.8535 8.5830 7.3255 0.1165 0.1365 24.878 3.3961 8
9 1.1951 0.8368 9.7546 8.1622 0.1025 0.1225 31.572 3.8681 9
10 1.2190 0.8203 10.9497 8.9826 0.0913 0.1113 38.955 4.3367 10
11 1.2434 0.8043 12.1687 9.7868 0.0822 0.1022 46.998 4.8021 11
12 1.2682 0.7885 13.4121 10.5753 0.0746 0.0946 55.671 5.2642 12
13 1.2936 0.7730 14.6803 11.3484 0.0681 0.0881 64.948 5.7231 13
14 1.3195 0.7579 15.9739 12.1062 0.0626 0.0826 74.800 6.1786 14
15 1.3459 0.7430 17.2934 12.8493 0.0578 0.0778 85.202 6.6309 15
16 1.3728 0.7284 18.6393 13.5777 0.0537 0.0737 96.129 7.0799 16
17 1.4002 0.7142 20.0121 14.2919 0.0500 0.0700 107.555 7.5256 17
18 1.4282 0.7002 21.4123 14.9920 0.0467 0.0667 119.458 7.9681 18
19 1.4568 0.6864 22.8406 15.6785 0.0438 0.0638 131.814 8.4073 19
20 1.4859 0.6730 24.2974 16.3514 0.0412 0.0612 144.600 8.8433 20
21 1.5157 0.6598 25.7833 17.0112 0.0388 0.0588 157.796 9.2760 21
22 1.5460 0.6468 27.2990 17.6580 0.0366 0.0566 171.380 9.7055 22
23 1.5769 0.6342 28.8450 18.2922 0.0347 0.0547 185.331 10.1317 23
24 1.6084 0.6217 30.4219 18.9139 0.0329 0.0529 199.631 10.5547 24
25 1.6406 0.6095 32.0303 19.5235 0.0312 0.0512 214.259 10.9745 25
30 1.8114 0.5521 40.5681 22.3965 0.0246 0.0446 291.716 13.0251 30
36 2.0399 0.4902 51.9944 25.4888 0.0192 0.0392 392.041 15.3809 36
40 2.2080 0.4529 60.4020 27.3555 0.0166 0.0366 461.993 16.8885 40
48 2.5871 0.3865 79.3535 30.6731 0.0126 0.0326 605.966 19.7556 48
60 3.2810 0.3048 114.0515 34.7609 0.0088 0.0288 823.698 23.6961 60
72 4.1611 0.2403 158.0570 37.9841 0.0063 0.0263 1034.056 27.2234 72
84 5.2773 0.1895 213.8666 40.5255 0.0047 0.0247 1230.419 30.3616 84
100 7.2446 0.1380 312.2323 43.0984 0.0032 0.0232 1464.753 33.9863 100
∞ 50.0000 0.0200 ∞
TABLE C-6 Discrete Compounding; i = 3%
Single Payment Uniform Series Uniform Gradient
Compound Present Compound Present Sinking Capital Gradient Gradient
Amount Worth Amount Worth Fund Recovery Present Worth Uniform Series
Factor Factor Factor Factor Factor Factor Factor Factor
To Find F To Find P To Find F To Find P To Find A To Find A To Find P To Find A
Given P Given F Given A Given A Given F Given P Given G Given G
N F/P P/F F/A P/A A/F A/P P/G A/G N
1 1.0300 0.9709 1.0000 0.9709 1.0000 1.0300 0.000 0.0000 1
2 1.0609 0.9426 2.0300 1.9135 0.4926 0.5226 0.943 0.4926 2
3 1.0927 0.9151 3.0909 2.8286 0.3235 0.3535 2.773 0.9803 3
4 1.1255 0.8885 4.1836 3.7171 0.2390 0.2690 5.438 1.4631 4
5 1.1593 0.8626 5.3091 4.5797 0.1884 0.2184 8.889 1.9409 5
6 1.1941 0.8375 6.4684 5.4172 0.1546 0.1846 13.076 2.4138 6
7 1.2299 0.8131 7.6625 6.2303 0.1305 0.1605 17.955 2.8819 7
8 1.2668 0.7894 8.8923 7.0197 0.1125 0.1425 23.481 3.3450 8
9 1.3048 0.7664 10.1591 7.7861 0.0984 0.1284 29.612 3.8032 9
10 1.3439 0.7441 11.4639 8.5302 0.0872 0.1172 36.309 4.2565 10
11 1.3842 0.7224 12.8078 9.2526 0.0781 0.1081 43.533 4.7049 11
12 1.4258 0.7014 14.1920 9.9540 0.0705 0.1005 51.248 5.1485 12
13 1.4685 0.6810 15.6178 10.6350 0.0640 0.0940 59.420 5.5872 13
14 1.5126 0.6611 17.0863 11.2961 0.0585 0.0885 68.014 6.0210 14
15 1.5580 0.6419 18.5989 11.9379 0.0538 0.0838 77.000 6.4500 15
16 1.6047 0.6232 20.1569 12.5611 0.0496 0.0796 86.348 6.8742 16
17 1.6528 0.6050 21.7616 13.1661 0.0460 0.0760 96.028 7.2936 17
18 1.7024 0.5874 23.4144 13.7535 0.0427 0.0727 106.014 7.7081 18
19 1.7535 0.5703 25.1169 14.3238 0.0398 0.0698 116.279 8.1179 19
20 1.8061 0.5537 26.8704 14.8775 0.0372 0.0672 126.799 8.5229 20
21 1.8603 0.5375 28.6765 15.4150 0.0349 0.0649 137.550 8.9231 21
22 1.9161 0.5219 30.5368 15.9369 0.0327 0.0627 148.509 7.3186 22
23 1.9736 0.5067 32.4529 16.4436 0.0308 0.0608 159.657 9.7093 23
24 2.0328 0.4919 34.4265 16.9355 0.0290 0.0590 170.971 10.0954 24
25 2.0938 0.4776 36.4593 17.4131 0.0274 0.0574 182.434 10.4768 25
30 2.4273 0.4120 47.5754 19.6004 0.0210 0.0510 241.361 12.3141 30
35 2.8139 0.3554 60.4621 21.4872 0.0165 0.0465 301.627 14.0375 35
40 3.2620 0.3066 75.4012 23.1148 0.0133 0.0433 361.750 15.6502 40
45 3.7816 0.2644 92.7199 24.5187 0.0108 0.0408 420.633 17.1556 45
50 4.3839 0.2281 112.7969 25.7298 0.0089 0.0389 477.480 18.5575 50
60 5.8916 0.1697 163.0534 27.6756 0.0061 0.0361 583.053 21.0674 60
80 10.6409 0.0940 321.3630 30.2008 0.0031 0.0331 756.087 25.0353 80
100 19.2186 0.0520 607.2877 31.5989 0.0016 0.0316 879.854 27.8444 100
∞ 33.3333 0.0300 ∞
TABLE C-7 Discrete Compounding; i = 4%
Single Payment Uniform Series Uniform Gradient
Compound Present Compound Present Sinking Capital Gradient Gradient
Amount Worth Amount Worth Fund Recovery Present Worth Uniform Series
Factor Factor Factor Factor Factor Factor Factor Factor
To Find F To Find P To Find F To Find P To Find A To Find A To Find P To Find A
Given P Given F Given A Given A Given F Given P Given G Given G
N F/P P/F F/A P/A A/F A/P P/G A/G N
1 1.0400 0.9615 1.0000 0.9615 1.0000 1.0400 0.000 0.0000 1
2 1.0816 0.9246 2.0400 1.8861 0.4902 0.5302 0.925 0.4902 2
3 1.1249 0.8890 3.1216 2.7751 0.3203 0.3603 2.703 0.9739 3
4 1.1699 0.8548 4.2465 3.6299 0.2355 0.2755 5.267 1.4510 4
5 1.2167 0.8219 5.4163 4.4518 0.1846 0.2246 8.555 1.9216 5
6 1.2653 0.7903 6.6330 5.2421 0.1508 0.1908 12.506 2.3857 6
7 1.3159 0.7599 7.8983 6.0021 0.1266 0.1666 17.066 2.8433 7
8 1.3686 0.7307 9.2142 6.7327 0.1085 0.1485 22.181 3.2944 8
9 1.4233 0.7026 10.5828 7.4353 0.0945 0.1345 27.801 3.7391 9
10 1.4802 0.6756 12.0061 8.1109 0.0833 0.1233 33.881 4.1773 10
11 1.5395 0.6496 13.4864 8.7605 0.0741 0.1141 40.377 4.6090 11
12 1.6010 0.6246 15.0258 9.3851 0.0666 0.1066 47.248 5.0343 12
13 1.6651 0.6006 16.6268 9.9856 0.0601 0.1001 54.455 5.4533 13
14 1.7317 0.5775 18.2919 10.5631 0.0547 0.0947 61.962 5.8659 14
15 1.8009 0.5553 20.0236 11.1184 0.0499 0.0899 69.736 6.2721 15
16 1.8730 0.5339 21.8245 11.6523 0.0458 0.0858 77.744 6.6720 16
17 1.9479 0.5134 23.6975 12.1657 0.0422 0.0822 85.958 7.0656 17
18 2.0258 0.4936 25.6454 12.6593 0.0390 0.0790 94.350 7.4530 18
19 2.1068 0.4746 27.6712 13.1339 0.0361 0.0761 102.893 7.8342 19
20 2.1911 0.4564 29.7781 13.5903 0.0336 0.0736 111.565 8.2091 20
21 2.2788 0.4388 31.9692 14.0292 0.0313 0.0713 120.341 8.5779 21
22 2.3699 0.4220 34.2480 14.4511 0.0292 0.0692 129.202 8.9407 22
23 2.4647 0.4057 36.6179 14.8568 0.0273 0.0673 138.128 9.2973 23
24 2.5633 0.3901 39.0826 15.2470 0.0256 0.0656 147.101 9.6479 24
25 2.6658 0.3751 41.6459 15.6221 0.0240 0.0640 156.104 9.9925 25
30 3.2434 0.3083 56.0849 17.2920 0.0178 0.0578 201.062 11.6274 30
35 3.9461 0.2534 73.6522 18.6646 0.0136 0.0536 244.877 13.1198 35
40 4.8010 0.2083 95.0255 19.7928 0.0105 0.0505 286.530 14.4765 40
45 5.8412 0.1712 121.0294 20.7200 0.0083 0.0483 325.403 15.7047 45
50 7.1067 0.1407 152.6671 21.4822 0.0066 0.0466 361.164 16.8122 50
60 10.5196 0.0951 237.9907 22.6235 0.0042 0.0442 422.997 18.6972 60
80 23.0498 0.0434 551.2450 23.9154 0.0018 0.0418 511.116 21.3718 80
100 50.5049 0.0198 1237.6237 24.5050 0.0008 0.0408 563.125 22.9800 100
∞ 25.0000 0.0400 ∞
TABLE C-8 Discrete Compounding; i = 5%
Single Payment Uniform Series Uniform Gradient
Compound Present Compound Present Sinking Capital Gradient Gradient
Amount Worth Amount Worth Fund Recovery Present Worth Uniform Series
Factor Factor Factor Factor Factor Factor Factor Factor
To Find F To Find P To Find F To Find P To Find A To Find A To Find P To Find A
Given P Given F Given A Given A Given F Given P Given G Given G
N F/P P/F F/A P/A A/F A/P P/G A/G N
1 1.0500 0.9524 1.0000 0.9524 1.0000 1.0500 0.000 0.0000 1
2 1.1025 0.9070 2.0500 1.8594 0.4878 0.5378 0.907 0.4878 2
3 1.1576 0.8638 3.1525 2.7232 0.3172 0.3672 2.635 0.9675 3
4 1.2155 0.8227 4.3101 3.5460 0.2320 0.2820 5.103 1.4391 4
5 1.2763 0.7835 5.5256 4.3295 0.1810 0.2310 8.237 1.9025 5
6 1.3401 0.7462 6.8019 5.0757 0.1470 0.1970 11.968 2.3579 6
7 1.4071 0.7107 8.1420 5.7864 0.1228 0.1728 16.232 2.8052 7
8 1.4775 0.6768 9.5491 6.4632 0.1047 0.1547 20.970 3.2445 8
9 1.5513 0.6446 11.0266 7.1078 0.0907 0.1407 26.127 3.6758 9
10 1.6289 0.6139 12.5779 7.7217 0.0795 0.1295 31.652 4.0991 10
11 1.7103 0.5847 14.2068 8.3064 0.0704 0.1204 37.499 4.5144 11
12 1.7959 0.5568 15.9171 8.8633 0.0628 0.1128 43.624 4.9219 12
13 1.8856 0.5303 17.7130 9.3936 0.0565 0.1065 49.988 5.3215 13
14 1.9799 0.5051 19.5986 9.8986 0.0510 0.1010 56.554 5.7133 14
15 2.0789 0.4810 21.5786 10.3797 0.0463 0.0963 63.288 6.0973 15
16 2.1829 0.4581 23.6575 10.8378 0.0423 0.0923 70.160 6.4736 16
17 2.2920 0.4363 25.8404 11.2741 0.0387 0.0887 77.141 6.8423 17
18 2.4066 0.4155 28.1324 11.6896 0.0355 0.0855 84.204 7.2034 18
19 2.5270 0.3957 30.5390 12.0853 0.0327 0.0827 91.328 7.5569 19
20 2.6533 0.3769 33.0660 12.4622 0.0302 0.0802 98.488 7.9030 20
21 2.7860 0.3589 35.7193 12.8212 0.0280 0.0780 105.667 8.2416 21
22 2.9253 0.3418 38.5052 13.1630 0.0260 0.0760 112.846 8.5730 22
23 3.0715 0.3256 41.4305 13.4886 0.0241 0.0741 120.009 8.8971 23
24 3.2251 0.3101 44.5020 13.7986 0.0225 0.0725 127.140 9.2140 24
25 3.3864 0.2953 47.7271 14.0939 0.0210 0.0710 134.228 9.5238 25
30 4.3219 0.2314 66.4388 15.3725 0.0151 0.0651 168.623 10.9691 30
35 5.5160 0.1813 90.3203 16.3742 0.0111 0.0611 200.581 12.2498 35
40 7.0400 0.1420 120.7998 17.1591 0.0083 0.0583 229.545 13.3775 40
45 8.9850 0.1113 159.7002 17.7741 0.0063 0.0563 255.315 14.3644 45
50 11.4674 0.0872 209.3480 18.2559 0.0048 0.0548 277.915 15.2233 50
60 18.6792 0.0535 353.5837 18.9293 0.0028 0.0528 314.343 16.6062 60
80 49.5614 0.0202 971.2288 19.5965 0.0010 0.0510 359.646 18.3526 80
100 131.5013 0.0076 2610.0252 19.8479 0.0004 0.0504 381.749 19.2337 100
∞ 20.0000 0.0500 ∞
TABLE C-9 Discrete Compounding; i = 6%
Single Payment Uniform Series Uniform Gradient
Compound Present Compound Present Sinking Capital Gradient Gradient
Amount Worth Amount Worth Fund Recovery Present Worth Uniform Series
Factor Factor Factor Factor Factor Factor Factor Factor
To Find F To Find P To Find F To Find P To Find A To Find A To Find P To Find A
Given P Given F Given A Given A Given F Given P Given G Given G
N F/P P/F F/A P/A A/F A/P P/G A/G N
1 1.0600 0.9434 1.0000 0.9434 1.0000 1.0600 0.000 0.0000 1
2 1.1236 0.8900 2.0600 1.8334 0.4854 0.5454 0.890 0.4854 2
3 1.1910 0.8396 3.1836 2.6730 0.3141 0.3741 2.569 0.9612 3
4 1.2625 0.7921 4.3746 3.4651 0.2286 0.2886 4.946 1.4272 4
5 1.3382 0.7473 5.6371 4.2124 0.1774 0.2374 7.935 1.8836 5
6 1.4185 0.7050 6.9753 4.9173 0.1434 0.2034 11.459 2.3304 6
7 1.5036 0.6651 8.3938 5.5824 0.1191 0.1791 15.450 2.7676 7
8 1.5938 0.6274 9.8975 6.2098 0.1010 0.1610 19.842 3.1952 8
9 1.6895 0.5919 11.4913 6.8017 0.0870 0.1470 24.577 3.6133 9
10 1.7908 0.5584 13.1808 7.3601 0.0759 0.1359 29.602 4.0220 10
11 1.8983 0.5268 14.9716 7.8869 0.0668 0.1268 34.870 4.4213 11
12 2.0122 0.4970 16.8699 8.3838 0.0593 0.1193 40.337 4.8113 12
13 2.1329 0.4688 18.8821 8.8527 0.0530 0.1130 45.963 5.1920 13
14 2.2609 0.4423 21.0151 9.2950 0.0476 0.1076 51.713 5.5635 14
15 2.3966 0.4173 23.2760 9.7122 0.0430 0.1030 57.555 5.9260 15
16 2.5404 0.3936 25.6725 10.1059 0.0390 0.0990 63.459 6.2794 16
17 2.6928 0.3714 28.2129 10.4773 0.0354 0.0954 69.401 6.6240 17
18 2.8543 0.3503 30.9057 10.8276 0.0324 0.0924 75.357 6.9597 18
19 3.0256 0.3305 33.7600 11.1581 0.0296 0.0896 81.306 7.2867 19
20 3.2071 0.3118 36.7856 11.4699 0.0272 0.0872 87.230 7.6051 20
21 3.3996 0.2942 39.9927 11.7641 0.0250 0.0850 93.114 7.9151 21
22 3.6035 0.2775 43.3923 12.0416 0.0230 0.0830 98.941 8.2166 22
23 3.8197 0.2618 46.9958 12.3034 0.0213 0.0813 104.701 8.5099 23
24 4.0489 0.2470 50.8156 12.5504 0.0197 0.0797 110.381 8.7951 24
25 4.2919 0.2330 54.8645 12.7834 0.0182 0.0782 115.973 9.0722 25
30 5.7435 0.1741 79.0582 13.7648 0.0126 0.0726 142.359 10.3422 30
35 7.6861 0.1301 111.4348 14.4982 0.0090 0.0690 165.743 11.4319 35
40 10.2857 0.0972 154.7620 15.0463 0.0065 0.0665 185.957 12.3590 40
45 13.7646 0.0727 212.7435 15.4558 0.0047 0.0647 203.110 13.1413 45
50 18.4202 0.0543 290.3359 15.7619 0.0034 0.0634 217.457 13.7964 50
60 32.9877 0.0303 533.1282 16.1614 0.0019 0.0619 239.043 14.7909 60
80 105.7960 0.0095 1746.5999 16.5091 0.0006 0.0606 262.549 15.9033 80
100 339.3021 0.0029 5638.3681 16.6175 0.0002 0.0602 272.047 16.3711 100
∞ 16.6667 0.0600 ∞
TABLE C-10 Discrete Compounding; i = 7%
Single Payment Uniform Series Uniform Gradient
Compound Present Compound Present Sinking Capital Gradient Gradient
Amount Worth Amount Worth Fund Recovery Present Worth Uniform Series
Factor Factor Factor Factor Factor Factor Factor Factor
To Find F To Find P To Find F To Find P To Find A To Find A To Find P To Find A
Given P Given F Given A Given A Given F Given P Given G Given G
N F/P P/F F/A P/A A/F A/P P/G A/G N
1 1.0700 0.9346 1.0000 0.9346 1.0000 1.0700 0.000 0.0000 1
2 1.1449 0.8734 2.0700 1.8080 0.4831 0.5531 0.873 0.4831 2
3 1.2250 0.8163 3.2149 2.6243 0.3111 0.3811 2.506 0.9549 3
4 1.3108 0.7629 4.4399 3.3872 0.2252 0.2952 4.795 1.4155 4
5 1.4026 0.7130 5.7507 4.1002 0.1739 0.2439 7.647 1.8650 5
6 1.5007 0.6663 7.1533 4.7665 0.1398 0.2098 10.978 2.3032 6
7 1.6058 0.6227 8.6540 5.3893 0.1156 0.1856 14.715 2.7304 7
8 1.7182 0.5820 10.2598 5.9713 0.0975 0.1675 18.789 3.1465 8
9 1.8385 0.5439 11.9780 6.5152 0.0835 0.1535 23.140 3.5517 9
10 1.9672 0.5083 13.8164 7.0236 0.0724 0.1424 27.716 3.9461 10
11 2.1049 0.4751 15.7836 7.4987 0.0634 0.1334 32.467 4.3296 11
12 2.2522 0.4440 17.8885 7.9427 0.0559 0.1259 37.351 4.7025 12
13 2.4098 0.4150 20.1406 8.3577 0.0497 0.1197 42.330 5.0648 13
14 2.5785 0.3878 22.5505 8.7455 0.0443 0.1143 47.372 5.4167 14
15 2.7590 0.3624 25.1290 9.1079 0.0398 0.1098 52.446 5.7583 15
16 2.9522 0.3387 27.8881 9.4466 0.0359 0.1059 57.527 6.0897 16
17 3.1588 0.3166 30.8402 9.7632 0.0324 0.1024 62.592 6.4110 17
18 3.3799 0.2959 33.9990 10.0591 0.0294 0.0994 67.622 6.7225 18
19 3.6165 0.2765 37.3790 10.3356 0.0268 0.0968 72.599 7.0242 19
20 3.8697 0.2584 40.9955 10.5940 0.0244 0.0944 77.509 7.3163 20
21 4.1406 0.2415 44.8652 10.8355 0.0223 0.0923 82.339 7.5990 21
22 4.4304 0.2257 49.0057 11.0612 0.0204 0.0904 87.079 7.8725 22
23 4.7405 0.2109 53.4361 11.2722 0.0187 0.0887 91.720 8.1369 23
24 5.0724 0.1971 58.1767 11.4693 0.0172 0.0872 96.255 8.3923 24
25 5.4274 0.1842 63.2490 11.6536 0.0158 0.0858 100.677 8.6391 25
30 7.6123 0.1314 94.4608 12.4090 0.0106 0.0806 120.972 9.7487 30
35 10.6766 0.0937 138.2369 12.9477 0.0072 0.0772 138.135 10.6687 35
40 14.9745 0.0668 199.6351 13.3317 0.0050 0.0750 152.293 11.4233 40
45 21.0023 0.0476 285.7495 13.6055 0.0035 0.0735 163.756 12.0360 45
50 29.4570 0.0339 406.5289 13.8007 0.0025 0.0725 172.905 12.5287 50
60 57.9464 0.0173 813.5204 14.0392 0.0012 0.0712 185.768 13.2321 60
80 224.2344 0.0045 3189.0627 14.2220 0.0003 0.0703 198.075 13.9273 80
100 867.7163 0.0012 12381.6618 14.2693 0.0001 0.0701 202.200 14.1703 100
∞ 14.2857 0.0700 ∞