End-of-Period Compound Interest Tables

esch_app_b.qxd 2/12/03 6:03 PM Page 551

B APPENDIX

End-of-Period Compound Interest Tables

Tables Included in Appendix

.25% 3% 9% 15% 25% 70%

.50% 4% 10% 16% 30% 80%

.75%

1%

1.5%

2%

5%

6%

7%

8%

11%

12%

13%

14%

17%

18%

19%

20%

35%

40%

50%

60%

90%

100%

Limits of the Factors

Factor

When N =

(F/P,i,N )

(P/F,i, N)

0

(A/P,i, N )

i

(P/A,i, N )

1/i

(A/F,i, N)

0

(F/A,i, N)

(P/G,i, N)

1/i2

(A/G, i, N )

1/i

When i = 0

1 1 1/N N 1/N N N(N - 1)/2 (N - 1)/2

551

esch_app_b.qxd 2/12/03 6:03 PM Page 552

552 END-OF-PERIOD COMPOUND INTEREST TABLES

0.25%

Single Payment

Compound Present

Amount Worth

Factor

Factor

N

F/P

P/F

1

1.003

.9975

2

1.005

.9950

3

1.008

.9925

4

1.010

.9901

5

1.013

.9876

6

1.015

.9851

7

1.018

.9827

8

1.020

.9802

9

1.023

.9778

10

1.025

.9753

11

1.028

.9729

12

1.030

.9705

13

1.033

.9681

14

1.036

.9656

15

1.038

.9632

16

1.041

.9608

17

1.043

.9584

18

1.046

.9561

19

1.049

.9537

20

1.051

.9513

21

1.054

.9489

22

1.056

.9466

23

1.059

.9442

24

1.062

.9418

25

1.064

.9395

26

1.067

.9371

27

1.070

.9348

28

1.072

.9325

29

1.075

.9301

30

1.078

.9278

31

1.080

.9255

32

1.083

.9232

33

1.086

.9209

34

1.089

.9186

35

1.091

.9163

36

1.094

.9140

40

1.105

.9050

48

1.127

.8871

50

1.133

.8826

60

1.162

.8609

70

1.191

.8396

72

1.197

.8355

80

1.221

.8189

90

1.252

.7987

100

1.284

.7790

120

1.349

.7411

240

1.821

.5492

360

2.457

.4070

480

3.315

.3016

0

End-of-Period Compound Interest Factors

Uniform Payment Series

Capital Recovery

Factor A/P

Present Worth Factor

P/A

Sinking Fund Factor A/F

Compound Amount Factor F/A

1.0025 .5019 .3350 .2516 .2015

.1681 .1443 .1264 .1125 .1014

.0923 .0847 .0783 .0728 .0680

.0638 .0602 .0569 .0540 .0513

.0489 .0468 .0448 .0430 .0413

.0398 .0383 .0370 .0358 .0346

.0336 .0326 .0316 .0307 .0299

.0291 .0263 .0221 .0213 .0180

.0156 .0152 .0138 .0124 .0113

.00966 .00555 .00422 .00358 .0025

.998 1.993 2.985 3.975 4.963

5.948 6.931 7.911 8.889 9.864

10.837 11.807 12.775 13.741 14.704

15.665 16.623 17.580 18.533 19.484

20.433 21.380 22.324 23.266 24.205

25.143 26.077 27.010 27.940 28.868

29.793 30.717 31.638 32.556 33.472

34.386 38.020 45.179 46.946 55.652

64.144 65.817 72.426 80.504 88.382

103.6 180.3 237.2 279.3 400

1.0000 .4994 .3325 .2491 .1990

.1656 .1418 .1239 .1100 .0989

.0898 .0822 .0758 .0703 .0655

.0613 .0577 .0544 .0515 .0488

.0464 .0443 .0423 .0405 .0388

.0373 .0358 .0345 .0333 .0321

.0311 .0301 .0291 .0282 .0274

.0266 .0238 .0196 .0188 .0155

.0131 .0127 .0113 .00992 .00881

.00716 .00305 .00172 .00108 0

1.000 2.002 3.008 4.015 5.025

6.038 7.053 8.070 9.091 10.113

11.139 12.166 13.197 14.230 15.265

16.304 17.344 18.388 19.434 20.482

21.533 22.587 23.644 24.703 25.765

26.829 27.896 28.966 30.038 31.113

32.191 33.272 34.355 35.441 36.529

37.621 42.013 50.931 53.189 64.647

76.394 78.779 88.439 100.8 113.4

139.7 328.3 582.7 926.1

0.25%

Arithmetic Gradient

Present Worth Factor P/G

Uniform

Payment

Factor

A/G

N

0

0

1

.995

.499

2

2.980

.998

3

5.950

1.497

4

9.901

1.995

5

14.826 20.722 27.584 35.406 44.184

2.493

6

2.990

7

3.487

8

3.983

9

4.479

10

53.913 64.589 76.205 88.759 102.244

4.975

11

5.470

12

5.965

13

6.459

14

6.953

15

116.657 131.992 148.245 165.411 183.485

7.447

16

7.940

17

8.433

18

8.925

19

9.417

20

202.463

9.908

21

222.341

10.400

22

243.113

10.890

23

264.775

11.380

24

287.323

11.870

25

310.752

12.360

26

335.057

12.849

27

360.233

13.337

28

386.278

13.825

29

413.185

14.313

30

440.950

14.800

31

469.570

15.287

32

499.039

15.774

33

529.353

16.260

34

560.508

16.745

35

592.499

17.231

36

728.740

19.167

40

1040.055

23.021

48

1125.777

23.980

50

1600

28.751

60

2148 2266 2764 3447 4191

33.481

70

34.422

72

38.169

80

42.816

90

47.422 100

5852 19399 36264 53821 160000

56.508 120

107.586 240

152.890 360

192.670 480

400

esch_app_b.qxd 2/12/03 6:03 PM Page 553

0.50%

Single Payment

Compound Present

Amount

Worth

Factor

Factor

N

F/P

P/F

1

1.005

.9950

2

1.010

.9901

3

1.015

.9851

4

1.020

.9802

5

1.025

.9754

6

1.030

.9705

7

1.036

.9657

8

1.041

.9609

9

1.046

.9561

10

1.051

.9513

11

1.056

.9466

12

1.062

.9419

13

1.067

.9372

14

1.072

.9326

15

1.078

.9279

16

1.083

.9233

17

1.088

.9187

18

1.094

.9141

19

1.099

.9096

20

1.105

.9051

21

1.110

.9006

22

1.116

.8961

23

1.122

.8916

24

1.127

.8872

25

1.133

.8828

26

1.138

.8784

27

1.144

.8740

28

1.150

.8697

29

1.156

.8653

30

1.161

.8610

31

1.167

.8567

32

1.173

.8525

33

1.179

.8482

34

1.185

.8440

35

1.191

.8398

36

1.197

.8356

40

1.221

.8191

48

1.270

.7871

50

1.283

.7793

60

1.349

.7414

70

1.418

.7053

72

1.432

.6983

80

1.490

.6710

90

1.567

.6383

100

1.647

.6073

120

1.819

.5496

240

3.310

.3021

360

6.023

.1660

480

10.957

.0913

0

END-OF-PERIOD COMPOUND INTEREST TABLES 553

End-of-Period Compound Interest Factors

Uniform Payment Series

Capital Recovery

Factor A/P

Present Worth Factor

P/A

Sinking Fund Factor A/F

Compound Amount Factor F/A

1.0050 .5038 .3367 .2531 .2030

.1696 .1457 .1278 .1139 .1028

.0937 .0861 .0796 .0741 .0694

.0652 .0615 .0582 .0553 .0527

.0503 .0481 .0461 .0443 .0427

.0411 .0397 .0384 .0371 .0360

.0349 .0339 .0329 .0321 .0312

.0304 .0276 .0235 .0227 .0193

.0170 .0166 .0152 .0138 .0127

.0111 .00716 .00600 .00550 .005

.995 1.985 2.970 3.950 4.926

5.896 6.862 7.823 8.779 9.730

10.677 11.619 12.556 13.489 14.417

15.340 16.259 17.173 18.082 18.987

19.888 20.784 21.676 22.563 23.446

24.324 25.198 26.068 26.933 27.794

28.651 29.503 30.352 31.196 32.035

32.871 36.172 42.580 44.143 51.726

58.939 60.340 65.802 72.331 78.543

90.073 139.6 166.8 181.7 200

1.0000 .4988 .3317 .2481 .1980

.1646 .1407 .1228 .1089 .0978

.0887 .0811 .0746 .0691 .0644

.0602 .0565 .0532 .0503 .0477

.0453 .0431 .0411 .0393 .0377

.0361 .0347 .0334 .0321 .0310

.0299 .0289 .0279 .0271 .0262

.0254 .0226 .0185 .0177 .0143

.0120 .0116 .0102 .00883 .00773

.00610 .00216 .00100 .00050 0

1.000 2.005 3.015 4.030 5.050

6.076 7.106 8.141 9.182 10.228

11.279 12.336 13.397 14.464 15.537

16.614 17.697 18.786 19.880 20.979

22.084 23.194 24.310 25.432 26.559

27.692 28.830 29.975 31.124 32.280

33.441 34.609 35.782 36.961 38.145

39.336 44.159 54.098 56.645 69.770

83.566 86.409 98.068 113.3 129.3

163.9 462.0 1004.5 1991.5

0.50%

Arithmetic Gradient

Present Worth Factor P/G

Uniform

Payment

Factor

A/G

N

0

0

1

.990

.499

2

2.960

.997

3

5.901

1.494

4

9.803

1.990

5

14.655 20.449 27.176 34.824 43.386

2.485

6

2.980

7

3.474

8

3.967

9

4.459

10

52.853 63.214 74.460 86.583 99.574

4.950

11

5.441

12

5.930

13

6.419

14

6.907

15

113.424 128.123 143.663 160.036 177.232

7.394

16

7.880

17

8.366

18

8.850

19

9.334

20

195.243

9.817

21

214.061

10.299

22

233.677

10.781

23

254.082

11.261

24

275.269

11.741

25

297.228

12.220

26

319.952

12.698

27

343.433

13.175

28

367.663

13.651

29

392.632

14.126

30

418.335

14.601

31

444.762

15.075

32

471.906

15.548

33

499.758

16.020

34

528.312

16.492

35

557.560

16.962

36

681.335

18.836

40

959.919

22.544

48

1035.697

23.462

50

1449

28.006

60

1914 2012 2425 2976 3563

32.468

70

33.350

72

36.847

80

41.145

90

45.361 100

4824 13416 21403 27588 40000

53.551 120

96.113 240

128.324 360

151.795 480

200

esch_app_b.qxd 2/12/03 6:03 PM Page 554

554 END-OF-PERIOD COMPOUND INTEREST TABLES

0.75%

Single Payment

Compound Present

Amount

Worth

Factor

Factor

N

F/P

P/F

1

1.008

.9926

2

1.015

.9852

3

1.023

.9778

4

1.030

.9706

5

1.038

.9633

6

1.046

.9562

7

1.054

.9490

8

1.062

.9420

9

1.070

.9350

10

1.078

.9280

11

1.086

.9211

12

1.094

.9142

13

1.102

.9074

14

1.110

.9007

15

1.119

.8940

16

1.127

.8873

17

1.135

.8807

18

1.144

.8742

19

1.153

.8676

20

1.161

.8612

21

1.170

.8548

22

1.179

.8484

23

1.188

.8421

24

1.196

.8358

25

1.205

.8296

26

1.214

.8234

27

1.224

.8173

28

1.233

.8112

29

1.242

.8052

30

1.251

.7992

31

1.261

.7932

32

1.270

.7873

33

1.280

.7815

34

1.289

.7757

35

1.299

.7699

36

1.309

.7641

40

1.348

.7416

48

1.431

.6986

50

1.453

.6883

60

1.566

.6387

70

1.687

.5927

72

1.713

.5839

80

1.818

.5500

90

1.959

.5104

100

2.111

.4737

120

2.451

.4079

240

6.009

.1664

360

14.73

.06789

480

36.11

.02769

0

End-of-Period Compound Interest Factors

Uniform Payment Series

Capital Recovery

Factor A/P

Present Worth Factor

P/A

Sinking Fund Factor A/F

Compound Amount Factor F/A

1.0075 .5056 .3383 .2547 .2045

.1711 .1472 .1293 .1153 .1042

.0951 .0875 .0810 .0755 .0707

.0666 .0629 .0596 .0567 .0540

.0516 .0495 .0475 .0457 .0440

.0425 .0411 .0397 .0385 .0373

.0363 .0353 .0343 .0334 .0326

.0318 .0290 .0249 .0241 .0208

.0184 .0180 .0167 .0153 .0143

.0127 .00900 .00805 .00771 .0075

.993 1.978 2.956 3.926 4.889

5.846 6.795 7.737 8.672 9.600

10.521 11.435 12.342 13.243 14.137

15.024 15.905 16.779 17.647 18.508

19.363 20.211 21.053 21.889 22.719

23.542 24.359 25.171 25.976 26.775

27.568 28.356 29.137 29.913 30.683

31.447 34.447 40.185 41.566 48.173

54.305 55.477 59.994 65.275 70.175

78.942 111.145 124.282 129.641 133.333

1.0000 .4981 .3308 .2472 .1970

.1636 .1397 .1218 .1078 .0967

.0876 .0800 .0735 .0680 .0632

.0591 .0554 .0521 .0492 .0465

.0441 .0420 .0400 .0382 .0365

.0350 .0336 .0322 .0310 .0298

.0288 .0278 .0268 .0259 .0251

.0243 .0215 .0174 .0166 .0133

.0109 .0105 .00917 .00782 .00675

.00517 .001497 .000546 .000214 0

1.000 2.008 3.023 4.045 5.076

6.114 7.159 8.213 9.275 10.344

11.422 12.508 13.601 14.703 15.814

16.932 18.059 19.195 20.339 21.491

22.652 23.822 25.001 26.188 27.385

28.590 29.805 31.028 32.261 33.503

34.754 36.015 37.285 38.565 39.854

41.153 46.446 57.521 60.394 75.424

91.620 95.007 109.1 127.9 148.1

193.5 668 1831 4681

0.75%

Arithmetic Gradient

Present Worth Factor P/G

Uniform

Payment

Factor

A/G

N

0

0

1

.985

.498

2

2.941

.995

3

5.852

1.491

4

9.706

1.985

5

14.487 20.181 26.775 34.254 42.606

2.478

6

2.970

7

3.461

8

3.950

9

4.438

10

51.817 61.874 72.763 84.472 96.988

4.925

11

5.411

12

5.895

13

6.379

14

6.861

15

110.297 124.389 139.249 154.867 171.230

7.341

16

7.821

17

8.299

18

8.776

19

9.252

20

188.325

9.726

21

206.142

10.199

22

224.668

10.671

23

243.892

11.142

24

263.803

11.612

25

284.389

12.080

26

305.639

12.547

27

327.542

13.013

28

350.087

13.477

29

373.263

13.941

30

397.060

14.403

31

421.468

14.864

32

446.475

15.323

33

472.071

15.782

34

498.247

16.239

35

524.992

16.695

36

637.469

18.506

40

886.840

22.069

48

953.849

22.948

50

1314

27.266

60

1709 1791 2132 2578 3041

31.463

70

32.288

72

35.539

80

39.495

90

43.331 100

3999 9494 13312 15513 17778

50.652 120 85.421 240 107.114 360 119.662 480 133.333

esch_app_b.qxd 2/12/03 6:03 PM Page 555

1%

Single Payment

Compound Present

Amount

Worth

Factor

Factor

N

F/P

P/F

1

1.010

.9901

2

1.020

.9803

3

1.030

.9706

4

1.041

.9610

5

1.051

.9515

6

1.062

.9420

7

1.072

.9327

8

1.083

.9235

9

1.094

.9143

10

1.105

.9053

11

1.116

.8963

12

1.127

.8874

13

1.138

.8787

14

1.149

.8700

15

1.161

.8613

16

1.173

.8528

17

1.184

.8444

18

1.196

.8360

19

1.208

.8277

20

1.220

.8195

21

1.232

.8114

22

1.245

.8034

23

1.257

.7954

24

1.270

.7876

25

1.282

.7798

26

1.295

.7720

27

1.308

.7644

28

1.321

.7568

29

1.335

.7493

30

1.348

.7419

31

1.361

.7346

32

1.375

.7273

33

1.389

.7201

34

1.403

.7130

35

1.417

.7059

36

1.431

.6989

40

1.489

.6717

48

1.612

.6203

50

1.645

.6080

60

1.817

.5504

70

2.007

.4983

72

2.047

.4885

80

2.217

.4511

90

2.449

.4084

100

2.705

.3697

120

3.300

.3030

240

10.89

.09181

360

35.95

.02782

480

118.65

.00843

0

END-OF-PERIOD COMPOUND INTEREST TABLES 555

End-of-Period Compound Interest Factors

Uniform Payment Series

Capital Recovery

Factor A/P

Present Worth Factor

P/A

Sinking Fund Factor A/F

Compound Amount Factor F/A

1.0100 .5075 .3400 .2563 .2060

.1725 .1486 .1307 .1167 .1056

.0965 .0888 .0824 .0769 .0721

.0679 .0643 .0610 .0581 .0554

.0530 .0509 .0489 .0471 .0454

.0439 .0424 .0411 .0399 .0387

.0377 .0367 .0357 .0348 .0340

.0332 .0305 .0263 .0255 .0222

.0199 .0196 .0182 .0169 .0159

.0143 .0110 .0103 .0101 .01

.990 1.970 2.941 3.902 4.853

5.795 6.728 7.652 8.566 9.471

10.368 11.255 12.134 13.004 13.865

14.718 15.562 16.398 17.226 18.046

18.857 19.660 20.456 21.243 22.023

22.795 23.560 24.316 25.066 25.808

26.542 27.270 27.990 28.703 29.409

30.108 32.835 37.974 39.196 44.955

50.169 51.150 54.888 59.161 63.029

69.701 90.819 97.218 99.157 100

1.0000 .4975 .3300 .2463 .1960

.1625 .1386 .1207 .1067 .0956

.0865 .0788 .0724 .0669 .0621

.0579 .0543 .0510 .0481 .0454

.0430 .0409 .0389 .0371 .0354

.0339 .0324 .0311 .0299 .0287

.0277 .0267 .0257 .0248 .0240

.0232 .0205 .0163 .0155 .0122

.00993 .00955 .00822 .00690 .00587

.00435 .00101 .000286 .000085 0

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 14.947 16.097

17.258 18.430 19.615 20.811 22.019

23.239 24.472 25.716 26.973 28.243

29.526 30.821 32.129 33.450 34.785

36.133 37.494 38.869 40.258 41.660

43.077 48.886 61.223 64.463 81.670

100.7 104.7 121.7 144.9 170.5

230.0 989 3495 11765

1%

Arithmetic Gradient

Present Worth Factor P/G

Uniform

Payment

Factor

A/G

N

0

0

1

.980

.498

2

2.921

.993

3

5.804

1.488

4

9.610

1.980

5

14.321 19.917 26.381 33.696 41.843

2.471

6

2.960

7

3.448

8

3.934

9

4.418

10

50.807 60.569 71.113 82.422 94.481

4.901

11

5.381

12

5.861

13

6.338

14

6.814

15

107.273 120.783 134.996 149.895 165.466

7.289

16

7.761

17

8.232

18

8.702

19

9.169

20

181.695

9.635

21

198.566

10.100

22

216.066

10.563

23

234.180

11.024

24

252.894

11.483

25

272.196

11.941

26

292.070

12.397

27

312.505

12.852

28

333.486

13.304

29

355.002

13.756

30

377.039

14.205

31

399.586

14.653

32

422.629

15.099

33

446.157

15.544

34

470.158

15.987

35

494.621

16.428

36

596.856

18.178

40

820.146

21.598

48

879.418

22.436

50

1192.806

26.533

60

1528.647 1597.867 1879.877 2240.567 2605.776

30.470

70

31.239

72

34.249

80

37.872

90

41.343 100

3334.115

47.835 120

6878.602 75.739 240

8720.432 89.699 360

9511.158 95.920 480

10000

100

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