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The document contains tables of interest factors for compound interest calculations with an interest rate of 0.25% over periods of 1 to 28 years. The tables include factors for single payment and uniform series calculations such as present worth, compound amount, sinking fund, capital recovery, and others. Formulas for calculating the various interest factors are also presented.

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0% found this document useful (0 votes)

54 views

Tables

Uploaded by

Ahmed walid

Available Formats

Download as PDF, TXT or read online on Scribd

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7477_book.

fm Page 253 Tuesday, March 13, 2007 3:34 PM

Engineering Economy Appendix

Interest factors and tables

‫الجداول مسموح بھا باإلمتحان‬

‫يرجى عدم التعديل أو اإلضافة أو المسح‬

7477_book.fm Page 253 Tuesday, March 13, 2007 3:34 PM

Formulas for interest factor

Name of Factor Formula Table Notation
Compound Amount (1+i)N (F/P, i, N)
(single payment)
Present Worth (1+i)-N (P/F, i, N)
(single payment)
i
Sinking Fund (A/F, i, N)
( 1 + i) N − 1

i( 1 + i) N
Capital Recovery (A/P, i, N)
( 1 + i) N − 1

( 1 + i) N − 1
Compound Amount (F/A, i, N)
(uniform series) i

( 1 + i) N − 1
Present Worth (P/A, i, N)
(uniform series) i( 1 + i) N

( 1 + i) N − iN − 1
Arithmetic Gradient (A/G, i, N)
to Uniform Series i( 1 + i) N − i

( 1 + i) N − iN − 1
Arithmetic Gradient (P/G, i, N)
to Present Worth i 2 ( 1 + i) N
N N
1 − ( 1 + g ) ( 1 + i)
Geometric Gradient (P/A, g, i, N)
to Present Worth (for ig) i− g
7477_book.fm Page 254 Tuesday, March 13, 2007 3:34 PM

Continuous Compounding erN (F/P, r, N)

Compound Amount
(single payment)
Continuous Compounding e-rN (P/F, r, N)
Present Worth
(single payment)
e rN − 1
Continuous Compounding (P/A, r, N)
Present Worth e rN ( e r − 1)
(uniform series)
er − 1
Continuous Compounding (A/F, r, N)
Sinking Fund e rN − 1

e rN ( e r − 1)
Continuous Compounding (A/P, r, N)
Capital Recovery e rN − 1

e rN − 1
Continuous Compounding (F/A, r, N)
Compound Amount er − 1
(uniform series)
i( 1 + i)− N –
Continuous Compounding (P/F, i, N)
Present Worth ln( 1 + i)
(single, continuous payment)
i( 1 + i) N −1 –
Continuous Compounding (F/P, i, N)
Compound Amount ln( 1 + i)
(single, continuous payment)
ln( 1 + i) –
Continuous Compounding (A/F, i, N)
Sinking Fund ( 1 + i) N − 1
(continuous, uniform payments)

(1 + i)N ln(1 + i) –
Continuous Compounding (A/P, i, N)
Capital Recovery (1 + i)N − 1
(continuous, uniform payments)
( 1 + i) N − 1
Continuous Compounding
Compound Amount ln( 1 + i) ( F A , i, N)
(continuous, uniform payments)
( 1 + i) N − 1
Continuous Compounding
Present Worth ( 1 + i) N ln( 1 + i) ( P A , i, N)
(continuous, uniform payments)
Chapter 2
a−p a a − cv
D= D̂ = D∗ =
b 2b 2b

−bD2 + (a − cv )D − CF = 0

Chapter 10

Future dollars
CV dollars
(1 f ) n
Future dollars CV dollars (1 f ) n

if i f if

if ⴚ f
iⴝ
1ⴙf

Chapter 12

Dt ⴝ (B ⴚ S)d
BⴚS
ⴝ
n
1
BVt ⴝ B ⴚ tDt d ⴝ dt ⴝ
n
dmax ⴝ 2Ⲑn

Dt ⴝ (d)BVtⴚ1

BVt ⴝ B(1 ⴚ d ) t

dt d(1 d) t1

Dt dB(1 d) t1

Implied S BVn B(1 d) n

7477_book.fm Page 256 Tuesday, March 13, 2007 3:34 PM

Interest tables
0.25% Compound Interest Factors 0.25%
Period Single Payment Uniform Payment Series Arithmetic Gradient Period
Compound Present Sinking Capital Compound Present Gradient Gradient
Amount Value Fund Recovery Amount Value Uniform Present
Factor Factor Factor Factor Factor Factor Series Value
Find F Find P Find A Find A Find F Find P Find A Find P
Given P Given F Given F Given P Given A Given A Given G Given G
n F/P P/F A/F A/P F/A P/A A/G P/G n
1 1.003 0.9975 1.0000 1.0025 1.000 0.998 0.000 0.000 1
2 1.005 0.9950 0.4994 0.5019 2.002 1.993 0.499 0.995 2
3 1.008 0.9925 0.3325 0.3350 3.008 2.985 0.998 2.980 3
4 1.010 0.9901 0.2491 0.2516 4.015 3.975 1.497 5.950 4
5 1.013 0.9876 0.1990 0.2015 5.025 4.963 1.995 9.901 5
6 1.015 0.9851 0.1656 0.1681 6.038 5.948 2.493 14.826 6
7 1.018 0.9827 0.1418 0.1443 7.053 6.931 2.990 20.722 7
8 1.020 0.9802 0.1239 0.1264 8.070 7.911 3.487 27.584 8
9 1.023 0.9778 0.1100 0.1125 9.091 8.889 3.983 35.406 9
10 1.025 0.9753 0.0989 0.1014 10.113 9.864 4.479 44.184 10
11 1.028 0.9729 0.0898 0.0923 11.139 10.837 4.975 53.913 11
12 1.030 0.9705 0.0822 0.0847 12.166 11.807 5.470 64.589 12
13 1.033 0.9681 0.0758 0.0783 13.197 12.775 5.965 76.205 13
14 1.036 0.9656 0.0703 0.0728 14.230 13.741 6.459 88.759 14
15 1.038 0.9632 0.0655 0.0680 15.265 14.704 6.953 102.244 15
16 1.041 0.9608 0.0613 0.0638 16.304 15.665 7.447 116.657 16
17 1.043 0.9584 0.0577 0.0602 17.344 16.623 7.940 131.992 17
18 1.046 0.9561 0.0544 0.0569 18.388 17.580 8.433 148.245 18
19 1.049 0.9537 0.0515 0.0540 19.434 18.533 8.925 165.411 19
20 1.051 0.9513 0.0488 0.0513 20.482 19.484 9.417 183.485 20
21 1.054 0.9489 0.0464 0.0489 21.533 20.433 9.908 202.463 21
22 1.056 0.9466 0.0443 0.0468 22.587 21.380 10.400 222.341 22
23 1.059 0.9442 0.0423 0.0448 23.644 22.324 10.890 243.113 23
24 1.062 0.9418 0.0405 0.0430 24.703 23.266 11.380 264.775 24
25 1.064 0.9395 0.0388 0.0413 25.765 24.205 11.870 287.323 25
26 1.067 0.9371 0.0373 0.0398 26.829 25.143 12.360 310.752 26
27 1.070 0.9348 0.0358 0.0383 27.896 26.077 12.849 335.057 27
28 1.072 0.9325 0.0345 0.0370 28.966 27.010 13.337 360.233 28
29 1.075 0.9301 0.0333 0.0358 30.038 27.940 13.825 386.278 29
30 1.078 0.9278 0.0321 0.0346 31.113 28.868 14.313 413.185 30
31 1.080 0.9255 0.0311 0.0336 32.191 29.793 14.800 440.950 31
32 1.083 0.9232 0.0301 0.0326 33.272 30.717 15.287 469.570 32
33 1.086 0.9209 0.0291 0.0316 34.355 31.638 15.774 499.039 33
34 1.089 0.9186 0.0282 0.0307 35.441 32.556 16.260 529.353 34
35 1.091 0.9163 0.0274 0.0299 36.529 33.472 16.745 560.508 35
36 1.094 0.9140 0.0266 0.0291 37.621 34.386 17.231 592.499 36
37 1.097 0.9118 0.0258 0.0283 38.715 35.298 17.715 625.322 37
38 1.100 0.9095 0.0251 0.0276 39.811 36.208 18.200 658.973 38
39 1.102 0.9072 0.0244 0.0269 40.911 37.115 18.684 693.447 39
40 1.105 0.9050 0.0238 0.0263 42.013 38.020 19.167 728.740 40
41 1.108 0.9027 0.0232 0.0257 43.118 38.923 19.650 764.848 41
42 1.111 0.9004 0.0226 0.0251 44.226 39.823 20.133 801.766 42
43 1.113 0.8982 0.0221 0.0246 45.337 40.721 20.616 839.490 43
44 1.116 0.8960 0.0215 0.0240 46.450 41.617 21.097 878.016 44
45 1.119 0.8937 0.0210 0.0235 47.566 42.511 21.579 917.340 45
46 1.122 0.8915 0.0205 0.0230 48.685 43.402 22.060 957.457 46
47 1.125 0.8893 0.0201 0.0226 49.807 44.292 22.541 998.364 47
48 1.127 0.8871 0.0196 0.0221 50.931 45.179 23.021 1040.055 48
49 1.130 0.8848 0.0192 0.0217 52.059 46.064 23.501 1082.528 49
50 1.133 0.8826 0.0188 0.0213 53.189 46.946 23.980 1125.777 50
7477_book.fm Page 257 Tuesday, March 13, 2007 3:34 PM

0.5% Compound Interest Factors 0.5%

Period Single Payment Uniform Payment Series Arithmetic Gradient Period
Compound Present Sinking Capital Compound Present Gradient Gradient
Amount Value Fund Recovery Amount Value Uniform Present
Factor Factor Factor Factor Factor Factor Series Value
Find F Find P Find A Find A Find F Find P Find A Find P
Given P Given F Given F Given P Given A Given A Given G Given G
n F/P P/F A/F A/P F/A P/A A/G P/G n
1 1.005 0.9950 1.0000 1.0050 1.000 0.995 0.000 0.000 1
2 1.010 0.9901 0.4988 0.5038 2.005 1.985 0.499 0.990 2
3 1.015 0.9851 0.3317 0.3367 3.015 2.970 0.997 2.960 3
4 1.020 0.9802 0.2481 0.2531 4.030 3.950 1.494 5.901 4
5 1.025 0.9754 0.1980 0.2030 5.050 4.926 1.990 9.803 5
6 1.030 0.9705 0.1646 0.1696 6.076 5.896 2.485 14.655 6
7 1.036 0.9657 0.1407 0.1457 7.106 6.862 2.980 20.449 7
8 1.041 0.9609 0.1228 0.1278 8.141 7.823 3.474 27.176 8
9 1.046 0.9561 0.1089 0.1139 9.182 8.779 3.967 34.824 9
10 1.051 0.9513 0.0978 0.1028 10.228 9.730 4.459 43.386 10
11 1.056 0.9466 0.0887 0.0937 11.279 10.677 4.950 52.853 11
12 1.062 0.9419 0.0811 0.0861 12.336 11.619 5.441 63.214 12
13 1.067 0.9372 0.0746 0.0796 13.397 12.556 5.930 74.460 13
14 1.072 0.9326 0.0691 0.0741 14.464 13.489 6.419 86.583 14
15 1.078 0.9279 0.0644 0.0694 15.537 14.417 6.907 99.574 15
16 1.083 0.9233 0.0602 0.0652 16.614 15.340 7.394 113.424 16
17 1.088 0.9187 0.0565 0.0615 17.697 16.259 7.880 128.123 17
18 1.094 0.9141 0.0532 0.0582 18.786 17.173 8.366 143.663 18
19 1.099 0.9096 0.0503 0.0553 19.880 18.082 8.850 160.036 19
20 1.105 0.9051 0.0477 0.0527 20.979 18.987 9.334 177.232 20
21 1.110 0.9006 0.0453 0.0503 22.084 19.888 9.817 195.243 21
22 1.116 0.8961 0.0431 0.0481 23.194 20.784 10.299 214.061 22
23 1.122 0.8916 0.0411 0.0461 24.310 21.676 10.781 233.677 23
24 1.127 0.8872 0.0393 0.0443 25.432 22.563 11.261 254.082 24
25 1.133 0.8828 0.0377 0.0427 26.559 23.446 11.741 275.269 25
26 1.138 0.8784 0.0361 0.0411 27.692 24.324 12.220 297.228 26
27 1.144 0.8740 0.0347 0.0397 28.830 25.198 12.698 319.952 27
28 1.150 0.8697 0.0334 0.0384 29.975 26.068 13.175 343.433 28
29 1.156 0.8653 0.0321 0.0371 31.124 26.933 13.651 367.663 29
30 1.161 0.8610 0.0310 0.0360 32.280 27.794 14.126 392.632 30
31 1.167 0.8567 0.0299 0.0349 33.441 28.651 14.601 418.335 31
32 1.173 0.8525 0.0289 0.0339 34.609 29.503 15.075 444.762 32
33 1.179 0.8482 0.0279 0.0329 35.782 30.352 15.548 471.906 33
34 1.185 0.8440 0.0271 0.0321 36.961 31.196 16.020 499.758 34
35 1.191 0.8398 0.0262 0.0312 38.145 32.035 16.492 528.312 35
36 1.197 0.8356 0.0254 0.0304 39.336 32.871 16.962 557.560 36
37 1.203 0.8315 0.0247 0.0297 40.533 33.703 17.432 587.493 37
38 1.209 0.8274 0.0240 0.0290 41.735 34.530 17.901 618.105 38
39 1.215 0.8232 0.0233 0.0283 42.944 35.353 18.369 649.388 39
40 1.221 0.8191 0.0226 0.0276 44.159 36.172 18.836 681.335 40
41 1.227 0.8151 0.0220 0.0270 45.380 36.987 19.302 713.937 41
42 1.233 0.8110 0.0215 0.0265 46.607 37.798 19.768 747.189 42
43 1.239 0.8070 0.0209 0.0259 47.840 38.605 20.233 781.081 43
44 1.245 0.8030 0.0204 0.0254 49.079 39.408 20.696 815.609 44
45 1.252 0.7990 0.0199 0.0249 50.324 40.207 21.159 850.763 45
46 1.258 0.7950 0.0194 0.0244 51.576 41.002 21.622 886.538 46
47 1.264 0.7910 0.0189 0.0239 52.834 41.793 22.083 922.925 47
48 1.270 0.7871 0.0185 0.0235 54.098 42.580 22.544 959.919 48
49 1.277 0.7832 0.0181 0.0231 55.368 43.364 23.003 997.512 49
50 1.283 0.7793 0.0177 0.0227 56.645 44.143 23.462 1035.697 50
7477_book.fm Page 258 Tuesday, March 13, 2007 3:34 PM

0.75% Compound Interest Factors 0.75%

6 1.046 0.9562 0.1636 0.1711 6.114 5.846 2.478 14.487 6

7 1.054 0.9490 0.1397 0.1472 7.159 6.795 2.970 20.181 7
8 1.062 0.9420 0.1218 0.1293 8.213 7.737 3.461 26.775 8
9 1.070 0.9350 0.1078 0.1153 9.275 8.672 3.950 34.254 9
10 1.078 0.9280 0.0967 0.1042 10.344 9.600 4.438 42.606 10

11 1.086 0.9211 0.0876 0.0951 11.422 10.521 4.925 51.817 11

12 1.094 0.9142 0.0800 0.0875 12.508 11.435 5.411 61.874 12
13 1.102 0.9074 0.0735 0.0810 13.601 12.342 5.895 72.763 13
14 1.110 0.9007 0.0680 0.0755 14.703 13.243 6.379 84.472 14
15 1.119 0.8940 0.0632 0.0707 15.814 14.137 6.861 96.988 15

16 1.127 0.8873 0.0591 0.0666 16.932 15.024 7.341 110.297 16

17 1.135 0.8807 0.0554 0.0629 18.059 15.905 7.821 124.389 17
18 1.144 0.8742 0.0521 0.0596 19.195 16.779 8.299 139.249 18
19 1.153 0.8676 0.0492 0.0567 20.339 17.647 8.776 154.867 19
20 1.161 0.8612 0.0465 0.0540 21.491 18.508 9.252 171.230 20

21 1.170 0.8548 0.0441 0.0516 22.652 19.363 9.726 188.325 21

22 1.179 0.8484 0.0420 0.0495 23.822 20.211 10.199 206.142 22
23 1.188 0.8421 0.0400 0.0475 25.001 21.053 10.671 224.668 23
24 1.196 0.8358 0.0382 0.0457 26.188 21.889 11.142 243.892 24
25 1.205 0.8296 0.0365 0.0440 27.385 22.719 11.612 263.803 25

26 1.214 0.8234 0.0350 0.0425 28.590 23.542 12.080 284.389 26

27 1.224 0.8173 0.0336 0.0411 29.805 24.359 12.547 305.639 27
28 1.233 0.8112 0.0322 0.0397 31.028 25.171 13.013 327.542 28
29 1.242 0.8052 0.0310 0.0385 32.261 25.976 13.477 350.087 29
30 1.251 0.7992 0.0298 0.0373 33.503 26.775 13.941 373.263 30

31 1.261 0.7932 0.0288 0.0363 34.754 27.568 14.403 397.060 31

32 1.270 0.7873 0.0278 0.0353 36.015 28.356 14.864 421.468 32
33 1.280 0.7815 0.0268 0.0343 37.285 29.137 15.323 446.475 33
34 1.289 0.7757 0.0259 0.0334 38.565 29.913 15.782 472.071 34
35 1.299 0.7699 0.0251 0.0326 39.854 30.683 16.239 498.247 35

36 1.309 0.7641 0.0243 0.0318 41.153 31.447 16.695 524.992 36

37 1.318 0.7585 0.0236 0.0311 42.461 32.205 17.149 552.297 37
38 1.328 0.7528 0.0228 0.0303 43.780 32.958 17.603 580.151 38
39 1.338 0.7472 0.0222 0.0297 45.108 33.705 18.055 608.545 39
40 1.348 0.7416 0.0215 0.0290 46.446 34.447 18.506 637.469 40

41 1.358 0.7361 0.0209 0.0284 47.795 35.183 18.956 666.914 41

42 1.369 0.7306 0.0203 0.0278 49.153 35.914 19.404 696.871 42
43 1.379 0.7252 0.0198 0.0273 50.522 36.639 19.851 727.330 43
44 1.389 0.7198 0.0193 0.0268 51.901 37.359 20.297 758.281 44
45 1.400 0.7145 0.0188 0.0263 53.290 38.073 20.742 789.717 45

46 1.410 0.7091 0.0183 0.0258 54.690 38.782 21.186 821.628 46

47 1.421 0.7039 0.0178 0.0253 56.100 39.486 21.628 854.006 47
48 1.431 0.6986 0.0174 0.0249 57.521 40.185 22.069 886.840 48
49 1.442 0.6934 0.0170 0.0245 58.952 40.878 22.509 920.124 49
50 1.453 0.6883 0.0166 0.0241 60.394 41.566 22.948 953.849 50
7477_book.fm Page 259 Tuesday, March 13, 2007 3:34 PM

1% Compound Interest Factors 1%

6 1.062 0.9420 0.1625 0.1725 6.152 5.795 2.471 14.321 6

7 1.072 0.9327 0.1386 0.1486 7.214 6.728 2.960 19.917 7
8 1.083 0.9235 0.1207 0.1307 8.286 7.652 3.448 26.381 8
9 1.094 0.9143 0.1067 0.1167 9.369 8.566 3.934 33.696 9
10 1.105 0.9053 0.0956 0.1056 10.462 9.471 4.418 41.843 10

11 1.116 0.8963 0.0865 0.0965 11.567 10.368 4.901 50.807 11

12 1.127 0.8874 0.0788 0.0888 12.683 11.255 5.381 60.569 12
13 1.138 0.8787 0.0724 0.0824 13.809 12.134 5.861 71.113 13
14 1.149 0.8700 0.0669 0.0769 14.947 13.004 6.338 82.422 14
15 1.161 0.8613 0.0621 0.0721 16.097 13.865 6.814 94.481 15

16 1.173 0.8528 0.0579 0.0679 17.258 14.718 7.289 107.273 16

17 1.184 0.8444 0.0543 0.0643 18.430 15.562 7.761 120.783 17
18 1.196 0.8360 0.0510 0.0610 19.615 16.398 8.232 134.996 18
19 1.208 0.8277 0.0481 0.0581 20.811 17.226 8.702 149.895 19
20 1.220 0.8195 0.0454 0.0554 22.019 18.046 9.169 165.466 20

21 1.232 0.8114 0.0430 0.0530 23.239 18.857 9.635 181.695 21

22 1.245 0.8034 0.0409 0.0509 24.472 19.660 10.100 198.566 22
23 1.257 0.7954 0.0389 0.0489 25.716 20.456 10.563 216.066 23
24 1.270 0.7876 0.0371 0.0471 26.973 21.243 11.024 234.180 24
25 1.282 0.7798 0.0354 0.0454 28.243 22.023 11.483 252.894 25

26 1.295 0.7720 0.0339 0.0439 29.526 22.795 11.941 272.196 26

27 1.308 0.7644 0.0324 0.0424 30.821 23.560 12.397 292.070 27
28 1.321 0.7568 0.0311 0.0411 32.129 24.316 12.852 312.505 28
29 1.335 0.7493 0.0299 0.0399 33.450 25.066 13.304 333.486 29
30 1.348 0.7419 0.0287 0.0387 34.785 25.808 13.756 355.002 30

31 1.361 0.7346 0.0277 0.0377 36.133 26.542 14.205 377.039 31

32 1.375 0.7273 0.0267 0.0367 37.494 27.270 14.653 399.586 32
33 1.389 0.7201 0.0257 0.0357 38.869 27.990 15.099 422.629 33
34 1.403 0.7130 0.0248 0.0348 40.258 28.703 15.544 446.157 34
35 1.417 0.7059 0.0240 0.0340 41.660 29.409 15.987 470.158 35

36 1.431 0.6989 0.0232 0.0332 43.077 30.108 16.428 494.621 36

37 1.445 0.6920 0.0225 0.0325 44.508 30.800 16.868 519.533 37
38 1.460 0.6852 0.0218 0.0318 45.953 31.485 17.306 544.884 38
39 1.474 0.6784 0.0211 0.0311 47.412 32.163 17.743 570.662 39
40 1.489 0.6717 0.0205 0.0305 48.886 32.835 18.178 596.856 40

41 1.504 0.6650 0.0199 0.0299 50.375 33.500 18.611 623.456 41

42 1.519 0.6584 0.0193 0.0293 51.879 34.158 19.042 650.451 42
43 1.534 0.6519 0.0187 0.0287 53.398 34.810 19.472 677.831 43
44 1.549 0.6454 0.0182 0.0282 54.932 35.455 19.901 705.585 44
45 1.565 0.6391 0.0177 0.0277 56.481 36.095 20.327 733.704 45

46 1.580 0.6327 0.0172 0.0272 58.046 36.727 20.752 762.176 46

47 1.596 0.6265 0.0168 0.0268 59.626 37.354 21.176 790.994 47
48 1.612 0.6203 0.0163 0.0263 61.223 37.974 21.598 820.146 48
49 1.628 0.6141 0.0159 0.0259 62.835 38.588 22.018 849.624 49
50 1.645 0.6080 0.0155 0.0255 64.463 39.196 22.436 879.418 50
7477_book.fm Page 260 Tuesday, March 13, 2007 3:34 PM

1.25% Compound Interest Factors 1.25%

6 1.077 0.9282 0.1615 0.1740 6.191 5.746 2.464 14.157 6

7 1.091 0.9167 0.1376 0.1501 7.268 6.663 2.950 19.657 7
8 1.104 0.9054 0.1196 0.1321 8.359 7.568 3.435 25.995 8
9 1.118 0.8942 0.1057 0.1182 9.463 8.462 3.917 33.149 9
10 1.132 0.8832 0.0945 0.1070 10.582 9.346 4.398 41.097 10

11 1.146 0.8723 0.0854 0.0979 11.714 10.218 4.876 49.820 11

12 1.161 0.8615 0.0778 0.0903 12.860 11.079 5.352 59.297 12
13 1.175 0.8509 0.0713 0.0838 14.021 11.930 5.826 69.507 13
14 1.190 0.8404 0.0658 0.0783 15.196 12.771 6.298 80.432 14
15 1.205 0.8300 0.0610 0.0735 16.386 13.601 6.768 92.052 15

16 1.220 0.8197 0.0568 0.0693 17.591 14.420 7.236 104.348 16

17 1.235 0.8096 0.0532 0.0657 18.811 15.230 7.702 117.302 17
18 1.251 0.7996 0.0499 0.0624 20.046 16.030 8.166 130.896 18
19 1.266 0.7898 0.0470 0.0595 21.297 16.819 8.628 145.111 19
20 1.282 0.7800 0.0443 0.0568 22.563 17.599 9.087 159.932 20

21 1.298 0.7704 0.0419 0.0544 23.845 18.370 9.545 175.339 21

22 1.314 0.7609 0.0398 0.0523 25.143 19.131 10.001 191.317 22
23 1.331 0.7515 0.0378 0.0503 26.457 19.882 10.454 207.850 23
24 1.347 0.7422 0.0360 0.0485 27.788 20.624 10.906 224.920 24
25 1.364 0.7330 0.0343 0.0468 29.135 21.357 11.355 242.513 25

26 1.381 0.7240 0.0328 0.0453 30.500 22.081 11.802 260.613 26

27 1.399 0.7150 0.0314 0.0439 31.881 22.796 12.248 279.204 27
28 1.416 0.7062 0.0300 0.0425 33.279 23.503 12.691 298.272 28
29 1.434 0.6975 0.0288 0.0413 34.695 24.200 13.132 317.802 29
30 1.452 0.6889 0.0277 0.0402 36.129 24.889 13.571 337.780 30

31 1.470 0.6804 0.0266 0.0391 37.581 25.569 14.009 358.191 31

32 1.488 0.6720 0.0256 0.0381 39.050 26.241 14.444 379.023 32
33 1.507 0.6637 0.0247 0.0372 40.539 26.905 14.877 400.261 33
34 1.526 0.6555 0.0238 0.0363 42.045 27.560 15.308 421.892 34
35 1.545 0.6474 0.0230 0.0355 43.571 28.208 15.737 443.904 35

36 1.564 0.6394 0.0222 0.0347 45.116 28.847 16.164 466.283 36

37 1.583 0.6315 0.0214 0.0339 46.679 29.479 16.589 489.018 37
38 1.603 0.6237 0.0207 0.0332 48.263 30.103 17.012 512.095 38
39 1.623 0.6160 0.0201 0.0326 49.866 30.719 17.433 535.504 39
40 1.644 0.6084 0.0194 0.0319 51.490 31.327 17.851 559.232 40

41 1.664 0.6009 0.0188 0.0313 53.133 31.928 18.268 583.268 41

42 1.685 0.5935 0.0182 0.0307 54.797 32.521 18.683 607.601 42
43 1.706 0.5862 0.0177 0.0302 56.482 33.107 19.096 632.219 43
44 1.727 0.5789 0.0172 0.0297 58.188 33.686 19.507 657.113 44
45 1.749 0.5718 0.0167 0.0292 59.916 34.258 19.916 682.271 45

46 1.771 0.5647 0.0162 0.0287 61.665 34.823 20.322 707.683 46

47 1.793 0.5577 0.0158 0.0283 63.435 35.381 20.727 733.339 47
48 1.815 0.5509 0.0153 0.0278 65.228 35.931 21.130 759.230 48
49 1.838 0.5441 0.0149 0.0274 67.044 36.476 21.531 785.344 49
50 1.861 0.5373 0.0145 0.0270 68.882 37.013 21.929 811.674 50
7477_book.fm Page 261 Tuesday, March 13, 2007 3:34 PM

1.5% Compound Interest Factors 1.5%

6 1.093 0.9145 0.1605 0.1755 6.230 5.697 2.457 13.996 6

7 1.110 0.9010 0.1366 0.1516 7.323 6.598 2.940 19.402 7
8 1.126 0.8877 0.1186 0.1336 8.433 7.486 3.422 25.616 8
9 1.143 0.8746 0.1046 0.1196 9.559 8.361 3.901 32.612 9
10 1.161 0.8617 0.0934 0.1084 10.703 9.222 4.377 40.367 10

11 1.178 0.8489 0.0843 0.0993 11.863 10.071 4.851 48.857 11

12 1.196 0.8364 0.0767 0.0917 13.041 10.908 5.323 58.057 12
13 1.214 0.8240 0.0702 0.0852 14.237 11.732 5.792 67.945 13
14 1.232 0.8118 0.0647 0.0797 15.450 12.543 6.258 78.499 14
15 1.250 0.7999 0.0599 0.0749 16.682 13.343 6.722 89.697 15

16 1.269 0.7880 0.0558 0.0708 17.932 14.131 7.184 101.518 16

17 1.288 0.7764 0.0521 0.0671 19.201 14.908 7.643 113.940 17
18 1.307 0.7649 0.0488 0.0638 20.489 15.673 8.100 126.943 18
19 1.327 0.7536 0.0459 0.0609 21.797 16.426 8.554 140.508 19
20 1.347 0.7425 0.0432 0.0582 23.124 17.169 9.006 154.615 20

21 1.367 0.7315 0.0409 0.0559 24.471 17.900 9.455 169.245 21

22 1.388 0.7207 0.0387 0.0537 25.838 18.621 9.902 184.380 22
23 1.408 0.7100 0.0367 0.0517 27.225 19.331 10.346 200.001 23
24 1.430 0.6995 0.0349 0.0499 28.634 20.030 10.788 216.090 24
25 1.451 0.6892 0.0333 0.0483 30.063 20.720 11.228 232.631 25

26 1.473 0.6790 0.0317 0.0467 31.514 21.399 11.665 249.607 26

27 1.495 0.6690 0.0303 0.0453 32.987 22.068 12.099 267.000 27
28 1.517 0.6591 0.0290 0.0440 34.481 22.727 12.531 284.796 28
29 1.540 0.6494 0.0278 0.0428 35.999 23.376 12.961 302.978 29
30 1.563 0.6398 0.0266 0.0416 37.539 24.016 13.388 321.531 30

31 1.587 0.6303 0.0256 0.0406 39.102 24.646 13.813 340.440 31

32 1.610 0.6210 0.0246 0.0396 40.688 25.267 14.236 359.691 32
33 1.634 0.6118 0.0236 0.0386 42.299 25.879 14.656 379.269 33
34 1.659 0.6028 0.0228 0.0378 43.933 26.482 15.073 399.161 34
35 1.684 0.5939 0.0219 0.0369 45.592 27.076 15.488 419.352 35

36 1.709 0.5851 0.0212 0.0362 47.276 27.661 15.901 439.830 36

37 1.735 0.5764 0.0204 0.0354 48.985 28.237 16.311 460.582 37
38 1.761 0.5679 0.0197 0.0347 50.720 28.805 16.719 481.595 38
39 1.787 0.5595 0.0191 0.0341 52.481 29.365 17.125 502.858 39
40 1.814 0.5513 0.0184 0.0334 54.268 29.916 17.528 524.357 40

41 1.841 0.5431 0.0178 0.0328 56.082 30.459 17.928 546.081 41

42 1.869 0.5351 0.0173 0.0323 57.923 30.994 18.327 568.020 42
43 1.897 0.5272 0.0167 0.0317 59.792 31.521 18.723 590.162 43
44 1.925 0.5194 0.0162 0.0312 61.689 32.041 19.116 612.496 44
45 1.954 0.5117 0.0157 0.0307 63.614 32.552 19.507 635.011 45

46 1.984 0.5042 0.0153 0.0303 65.568 33.056 19.896 657.698 46

47 2.013 0.4967 0.0148 0.0298 67.552 33.553 20.283 680.546 47
48 2.043 0.4894 0.0144 0.0294 69.565 34.043 20.667 703.546 48
49 2.074 0.4821 0.0140 0.0290 71.609 34.525 21.048 726.688 49
50 2.105 0.4750 0.0136 0.0286 73.683 35.000 21.428 749.964 50
7477_book.fm Page 262 Tuesday, March 13, 2007 3:34 PM

1.75% Compound Interest Factors 1.75%

6 1.110 0.9011 0.1595 0.1770 6.269 5.649 2.449 13.837 6

7 1.129 0.8856 0.1355 0.1530 7.378 6.535 2.931 19.151 7
8 1.149 0.8704 0.1175 0.1350 8.508 7.405 3.409 25.243 8
9 1.169 0.8554 0.1036 0.1211 9.656 8.260 3.884 32.087 9
10 1.189 0.8407 0.0924 0.1099 10.825 9.101 4.357 39.654 10

11 1.210 0.8263 0.0832 0.1007 12.015 9.927 4.827 47.916 11

12 1.231 0.8121 0.0756 0.0931 13.225 10.740 5.293 56.849 12
13 1.253 0.7981 0.0692 0.0867 14.457 11.538 5.757 66.426 13
14 1.275 0.7844 0.0637 0.0812 15.710 12.322 6.218 76.623 14
15 1.297 0.7709 0.0589 0.0764 16.984 13.093 6.677 87.415 15

16 1.320 0.7576 0.0547 0.0722 18.282 13.850 7.132 98.779 16

17 1.343 0.7446 0.0510 0.0685 19.602 14.595 7.584 110.693 17
18 1.367 0.7318 0.0477 0.0652 20.945 15.327 8.034 123.133 18
19 1.390 0.7192 0.0448 0.0623 22.311 16.046 8.480 136.078 19
20 1.415 0.7068 0.0422 0.0597 23.702 16.753 8.924 149.508 20

21 1.440 0.6947 0.0398 0.0573 25.116 17.448 9.365 163.401 21

22 1.465 0.6827 0.0377 0.0552 26.556 18.130 9.803 177.738 22
23 1.490 0.6710 0.0357 0.0532 28.021 18.801 10.239 192.500 23
24 1.516 0.6594 0.0339 0.0514 29.511 19.461 10.671 207.667 24
25 1.543 0.6481 0.0322 0.0497 31.027 20.109 11.101 223.221 25

26 1.570 0.6369 0.0307 0.0482 32.570 20.746 11.527 239.145 26

27 1.597 0.6260 0.0293 0.0468 34.140 21.372 11.951 255.421 27
28 1.625 0.6152 0.0280 0.0455 35.738 21.987 12.372 272.032 28
29 1.654 0.6046 0.0268 0.0443 37.363 22.592 12.791 288.962 29
30 1.683 0.5942 0.0256 0.0431 39.017 23.186 13.206 306.195 30

31 1.712 0.5840 0.0246 0.0421 40.700 23.770 13.619 323.716 31

32 1.742 0.5740 0.0236 0.0411 42.412 24.344 14.029 341.510 32
33 1.773 0.5641 0.0226 0.0401 44.154 24.908 14.436 359.561 33
34 1.804 0.5544 0.0218 0.0393 45.927 25.462 14.840 377.857 34
35 1.835 0.5449 0.0210 0.0385 47.731 26.007 15.241 396.382 35

36 1.867 0.5355 0.0202 0.0377 49.566 26.543 15.640 415.125 36

37 1.900 0.5263 0.0194 0.0369 51.434 27.069 16.036 434.071 37
38 1.933 0.5172 0.0187 0.0362 53.334 27.586 16.429 453.209 38
39 1.967 0.5083 0.0181 0.0356 55.267 28.095 16.819 472.526 39
40 2.002 0.4996 0.0175 0.0350 57.234 28.594 17.207 492.011 40

41 2.037 0.4910 0.0169 0.0344 59.236 29.085 17.591 511.651 41

42 2.072 0.4826 0.0163 0.0338 61.272 29.568 17.973 531.436 42
43 2.109 0.4743 0.0158 0.0333 63.345 30.042 18.353 551.355 43
44 2.145 0.4661 0.0153 0.0328 65.453 30.508 18.729 571.398 44
45 2.183 0.4581 0.0148 0.0323 67.599 30.966 19.103 591.554 45

46 2.221 0.4502 0.0143 0.0318 69.782 31.416 19.474 611.813 46

47 2.260 0.4425 0.0139 0.0314 72.003 31.859 19.843 632.167 47
48 2.300 0.4349 0.0135 0.0310 74.263 32.294 20.208 652.605 48
49 2.340 0.4274 0.0131 0.0306 76.562 32.721 20.571 673.120 49
50 2.381 0.4200 0.0127 0.0302 78.902 33.141 20.932 693.701 50
7477_book.fm Page 263 Tuesday, March 13, 2007 3:34 PM

2% Compound Interest Factors 2%

6 1.126 0.8880 0.1585 0.1785 6.308 5.601 2.442 13.680 6

7 1.149 0.8706 0.1345 0.1545 7.434 6.472 2.921 18.903 7
8 1.172 0.8535 0.1165 0.1365 8.583 7.325 3.396 24.878 8
9 1.195 0.8368 0.1025 0.1225 9.755 8.162 3.868 31.572 9
10 1.219 0.8203 0.0913 0.1113 10.950 8.983 4.337 38.955 10

11 1.243 0.8043 0.0822 0.1022 12.169 9.787 4.802 46.998 11

12 1.268 0.7885 0.0746 0.0946 13.412 10.575 5.264 55.671 12
13 1.294 0.7730 0.0681 0.0881 14.680 11.348 5.723 64.948 13
14 1.319 0.7579 0.0626 0.0826 15.974 12.106 6.179 74.800 14
15 1.346 0.7430 0.0578 0.0778 17.293 12.849 6.631 85.202 15

16 1.373 0.7284 0.0537 0.0737 18.639 13.578 7.080 96.129 16

17 1.400 0.7142 0.0500 0.0700 20.012 14.292 7.526 107.555 17
18 1.428 0.7002 0.0467 0.0667 21.412 14.992 7.968 119.458 18
19 1.457 0.6864 0.0438 0.0638 22.841 15.678 8.407 131.814 19
20 1.486 0.6730 0.0412 0.0612 24.297 16.351 8.843 144.600 20

21 1.516 0.6598 0.0388 0.0588 25.783 17.011 9.276 157.796 21

22 1.546 0.6468 0.0366 0.0566 27.299 17.658 9.705 171.379 22
23 1.577 0.6342 0.0347 0.0547 28.845 18.292 10.132 185.331 23
24 1.608 0.6217 0.0329 0.0529 30.422 18.914 10.555 199.630 24
25 1.641 0.6095 0.0312 0.0512 32.030 19.523 10.974 214.259 25

26 1.673 0.5976 0.0297 0.0497 33.671 20.121 11.391 229.199 26

27 1.707 0.5859 0.0283 0.0483 35.344 20.707 11.804 244.431 27
28 1.741 0.5744 0.0270 0.0470 37.051 21.281 12.214 259.939 28
29 1.776 0.5631 0.0258 0.0458 38.792 21.844 12.621 275.706 29
30 1.811 0.5521 0.0246 0.0446 40.568 22.396 13.025 291.716 30

31 1.848 0.5412 0.0236 0.0436 42.379 22.938 13.426 307.954 31

32 1.885 0.5306 0.0226 0.0426 44.227 23.468 13.823 324.403 32
33 1.922 0.5202 0.0217 0.0417 46.112 23.989 14.217 341.051 33
34 1.961 0.5100 0.0208 0.0408 48.034 24.499 14.608 357.882 34
35 2.000 0.5000 0.0200 0.0400 49.994 24.999 14.996 374.883 35

36 2.040 0.4902 0.0192 0.0392 51.994 25.489 15.381 392.040 36

37 2.081 0.4806 0.0185 0.0385 54.034 25.969 15.762 409.342 37
38 2.122 0.4712 0.0178 0.0378 56.115 26.441 16.141 426.776 38
39 2.165 0.4619 0.0172 0.0372 58.237 26.903 16.516 444.330 39
40 2.208 0.4529 0.0166 0.0366 60.402 27.355 16.889 461.993 40

41 2.252 0.4440 0.0160 0.0360 62.610 27.799 17.258 479.754 41

42 2.297 0.4353 0.0154 0.0354 64.862 28.235 17.624 497.601 42
43 2.343 0.4268 0.0149 0.0349 67.159 28.662 17.987 515.525 43
44 2.390 0.4184 0.0144 0.0344 69.503 29.080 18.347 533.517 44
45 2.438 0.4102 0.0139 0.0339 71.893 29.490 18.703 551.565 45

46 2.487 0.4022 0.0135 0.0335 74.331 29.892 19.057 569.662 46

47 2.536 0.3943 0.0130 0.0330 76.817 30.287 19.408 587.798 47
48 2.587 0.3865 0.0126 0.0326 79.354 30.673 19.756 605.966 48
49 2.639 0.3790 0.0122 0.0322 81.941 31.052 20.100 624.156 49
50 2.692 0.3715 0.0118 0.0318 84.579 31.424 20.442 642.361 50
7477_book.fm Page 264 Tuesday, March 13, 2007 3:34 PM

2.5% Compound Interest Factors 2.5%

6 1.160 0.8623 0.1565 0.1815 6.388 5.508 2.428 13.374 6

7 1.189 0.8413 0.1325 0.1575 7.547 6.349 2.901 18.421 7
8 1.218 0.8207 0.1145 0.1395 8.736 7.170 3.370 24.167 8
9 1.249 0.8007 0.1005 0.1255 9.955 7.971 3.836 30.572 9
10 1.280 0.7812 0.0893 0.1143 11.203 8.752 4.296 37.603 10

11 1.312 0.7621 0.0801 0.1051 12.483 9.514 4.753 45.225 11

12 1.345 0.7436 0.0725 0.0975 13.796 10.258 5.206 53.404 12
13 1.379 0.7254 0.0660 0.0910 15.140 10.983 5.655 62.109 13
14 1.413 0.7077 0.0605 0.0855 16.519 11.691 6.100 71.309 14
15 1.448 0.6905 0.0558 0.0808 17.932 12.381 6.540 80.976 15

16 1.485 0.6736 0.0516 0.0766 19.380 13.055 6.977 91.080 16

17 1.522 0.6572 0.0479 0.0729 20.865 13.712 7.409 101.595 17
18 1.560 0.6412 0.0447 0.0697 22.386 14.353 7.838 112.495 18
19 1.599 0.6255 0.0418 0.0668 23.946 14.979 8.262 123.755 19
20 1.639 0.6103 0.0391 0.0641 25.545 15.589 8.682 135.350 20

21 1.680 0.5954 0.0368 0.0618 27.183 16.185 9.099 147.257 21

22 1.722 0.5809 0.0346 0.0596 28.863 16.765 9.511 159.456 22
23 1.765 0.5667 0.0327 0.0577 30.584 17.332 9.919 171.923 23
24 1.809 0.5529 0.0309 0.0559 32.349 17.885 10.324 184.639 24
25 1.854 0.5394 0.0293 0.0543 34.158 18.424 10.724 197.584 25

26 1.900 0.5262 0.0278 0.0528 36.012 18.951 11.121 210.740 26

27 1.948 0.5134 0.0264 0.0514 37.912 19.464 11.513 224.089 27
28 1.996 0.5009 0.0251 0.0501 39.860 19.965 11.902 237.612 28
29 2.046 0.4887 0.0239 0.0489 41.856 20.454 12.286 251.295 29
30 2.098 0.4767 0.0228 0.0478 43.903 20.930 12.667 265.120 30

31 2.150 0.4651 0.0217 0.0467 46.000 21.395 13.044 279.074 31

32 2.204 0.4538 0.0208 0.0458 48.150 21.849 13.417 293.141 32
33 2.259 0.4427 0.0199 0.0449 50.354 22.292 13.786 307.307 33
34 2.315 0.4319 0.0190 0.0440 52.613 22.724 14.151 321.560 34
35 2.373 0.4214 0.0182 0.0432 54.928 23.145 14.512 335.887 35

36 2.433 0.4111 0.0175 0.0425 57.301 23.556 14.870 350.275 36

37 2.493 0.4011 0.0167 0.0417 59.734 23.957 15.223 364.713 37
38 2.556 0.3913 0.0161 0.0411 62.227 24.349 15.573 379.191 38
39 2.620 0.3817 0.0154 0.0404 64.783 24.730 15.920 393.697 39
40 2.685 0.3724 0.0148 0.0398 67.403 25.103 16.262 408.222 40

41 2.752 0.3633 0.0143 0.0393 70.088 25.466 16.601 422.756 41

42 2.821 0.3545 0.0137 0.0387 72.840 25.821 16.936 437.290 42
43 2.892 0.3458 0.0132 0.0382 75.661 26.166 17.267 451.815 43
44 2.964 0.3374 0.0127 0.0377 78.552 26.504 17.595 466.323 44
45 3.038 0.3292 0.0123 0.0373 81.516 26.833 17.918 480.807 45

46 3.114 0.3211 0.0118 0.0368 84.554 27.154 18.239 495.259 46

47 3.192 0.3133 0.0114 0.0364 87.668 27.467 18.555 509.671 47
48 3.271 0.3057 0.0110 0.0360 90.860 27.773 18.868 524.038 48
49 3.353 0.2982 0.0106 0.0356 94.131 28.071 19.178 538.352 49
50 3.437 0.2909 0.0103 0.0353 97.484 28.362 19.484 552.608 50
7477_book.fm Page 265 Tuesday, March 13, 2007 3:34 PM

3% Compound Interest Factors 3%

6 1.194 0.8375 0.1546 0.1846 6.468 5.417 2.414 13.076 6

7 1.230 0.8131 0.1305 0.1605 7.662 6.230 2.882 17.955 7
8 1.267 0.7894 0.1125 0.1425 8.892 7.020 3.345 23.481 8
9 1.305 0.7664 0.0984 0.1284 10.159 7.786 3.803 29.612 9
10 1.344 0.7441 0.0872 0.1172 11.464 8.530 4.256 36.309 10

11 1.384 0.7224 0.0781 0.1081 12.808 9.253 4.705 43.533 11

12 1.426 0.7014 0.0705 0.1005 14.192 9.954 5.148 51.248 12
13 1.469 0.6810 0.0640 0.0940 15.618 10.635 5.587 59.420 13
14 1.513 0.6611 0.0585 0.0885 17.086 11.296 6.021 68.014 14
15 1.558 0.6419 0.0538 0.0838 18.599 11.938 6.450 77.000 15

16 1.605 0.6232 0.0496 0.0796 20.157 12.561 6.874 86.348 16

17 1.653 0.6050 0.0460 0.0760 21.762 13.166 7.294 96.028 17
18 1.702 0.5874 0.0427 0.0727 23.414 13.754 7.708 106.014 18
19 1.754 0.5703 0.0398 0.0698 25.117 14.324 8.118 116.279 19
20 1.806 0.5537 0.0372 0.0672 26.870 14.877 8.523 126.799 20

21 1.860 0.5375 0.0349 0.0649 28.676 15.415 8.923 137.550 21

22 1.916 0.5219 0.0327 0.0627 30.537 15.937 9.319 148.509 22
23 1.974 0.5067 0.0308 0.0608 32.453 16.444 9.709 159.657 23
24 2.033 0.4919 0.0290 0.0590 34.426 16.936 10.095 170.971 24
25 2.094 0.4776 0.0274 0.0574 36.459 17.413 10.477 182.434 25

26 2.157 0.4637 0.0259 0.0559 38.553 17.877 10.853 194.026 26

27 2.221 0.4502 0.0246 0.0546 40.710 18.327 11.226 205.731 27
28 2.288 0.4371 0.0233 0.0533 42.931 18.764 11.593 217.532 28
29 2.357 0.4243 0.0221 0.0521 45.219 19.188 11.956 229.414 29
30 2.427 0.4120 0.0210 0.0510 47.575 19.600 12.314 241.361 30

31 2.500 0.4000 0.0200 0.0500 50.003 20.000 12.668 253.361 31

32 2.575 0.3883 0.0190 0.0490 52.503 20.389 13.017 265.399 32
33 2.652 0.3770 0.0182 0.0482 55.078 20.766 13.362 277.464 33
34 2.732 0.3660 0.0173 0.0473 57.730 21.132 13.702 289.544 34
35 2.814 0.3554 0.0165 0.0465 60.462 21.487 14.037 301.627 35

36 2.898 0.3450 0.0158 0.0458 63.276 21.832 14.369 313.703 36

37 2.985 0.3350 0.0151 0.0451 66.174 22.167 14.696 325.762 37
38 3.075 0.3252 0.0145 0.0445 69.159 22.492 15.018 337.796 38
39 3.167 0.3158 0.0138 0.0438 72.234 22.808 15.336 349.794 39
40 3.262 0.3066 0.0133 0.0433 75.401 23.115 15.650 361.750 40

41 3.360 0.2976 0.0127 0.0427 78.663 23.412 15.960 373.655 41

42 3.461 0.2890 0.0122 0.0422 82.023 23.701 16.265 385.502 42
43 3.565 0.2805 0.0117 0.0417 85.484 23.982 16.566 397.285 43
44 3.671 0.2724 0.0112 0.0412 89.048 24.254 16.863 408.997 44
45 3.782 0.2644 0.0108 0.0408 92.720 24.519 17.156 420.632 45

46 3.895 0.2567 0.0104 0.0404 96.501 24.775 17.444 432.186 46

47 4.012 0.2493 0.0100 0.0400 100.397 25.025 17.729 443.652 47
48 4.132 0.2420 0.0096 0.0396 104.408 25.267 18.009 455.025 48
49 4.256 0.2350 0.0092 0.0392 108.541 25.502 18.285 466.303 49
50 4.384 0.2281 0.0089 0.0389 112.797 25.730 18.558 477.480 50
7477_book.fm Page 266 Tuesday, March 13, 2007 3:34 PM

3.5% Compound Interest Factors 3.5%

6 1.229 0.8135 0.1527 0.1877 6.550 5.329 2.400 12.787 6

7 1.272 0.7860 0.1285 0.1635 7.779 6.115 2.863 17.503 7
8 1.317 0.7594 0.1105 0.1455 9.052 6.874 3.320 22.819 8
9 1.363 0.7337 0.0964 0.1314 10.368 7.608 3.771 28.689 9
10 1.411 0.7089 0.0852 0.1202 11.731 8.317 4.217 35.069 10

11 1.460 0.6849 0.0761 0.1111 13.142 9.002 4.657 41.919 11

12 1.511 0.6618 0.0685 0.1035 14.602 9.663 5.091 49.198 12
13 1.564 0.6394 0.0621 0.0971 16.113 10.303 5.520 56.871 13
14 1.619 0.6178 0.0566 0.0916 17.677 10.921 5.943 64.902 14
15 1.675 0.5969 0.0518 0.0868 19.296 11.517 6.361 73.259 15

16 1.734 0.5767 0.0477 0.0827 20.971 12.094 6.773 81.909 16

17 1.795 0.5572 0.0440 0.0790 22.705 12.651 7.179 90.824 17
18 1.857 0.5384 0.0408 0.0758 24.500 13.190 7.580 99.977 18
19 1.923 0.5202 0.0379 0.0729 26.357 13.710 7.975 109.339 19
20 1.990 0.5026 0.0354 0.0704 28.280 14.212 8.365 118.888 20

21 2.059 0.4856 0.0330 0.0680 30.269 14.698 8.749 128.600 21

22 2.132 0.4692 0.0309 0.0659 32.329 15.167 9.128 138.452 22
23 2.206 0.4533 0.0290 0.0640 34.460 15.620 9.502 148.424 23
24 2.283 0.4380 0.0273 0.0623 36.667 16.058 9.870 158.497 24
25 2.363 0.4231 0.0257 0.0607 38.950 16.482 10.233 168.653 25

26 2.446 0.4088 0.0242 0.0592 41.313 16.890 10.590 178.874 26

27 2.532 0.3950 0.0229 0.0579 43.759 17.285 10.942 189.144 27
28 2.620 0.3817 0.0216 0.0566 46.291 17.667 11.289 199.448 28
29 2.712 0.3687 0.0204 0.0554 48.911 18.036 11.631 209.773 29
30 2.807 0.3563 0.0194 0.0544 51.623 18.392 11.967 220.106 30

31 2.905 0.3442 0.0184 0.0534 54.429 18.736 12.299 230.432 31

32 3.007 0.3326 0.0174 0.0524 57.335 19.069 12.625 240.743 32
33 3.112 0.3213 0.0166 0.0516 60.341 19.390 12.946 251.026 33
34 3.221 0.3105 0.0158 0.0508 63.453 19.701 13.262 261.271 34
35 3.334 0.3000 0.0150 0.0500 66.674 20.001 13.573 271.471 35

36 3.450 0.2898 0.0143 0.0493 70.008 20.290 13.879 281.615 36

37 3.571 0.2800 0.0136 0.0486 73.458 20.571 14.180 291.696 37
38 3.696 0.2706 0.0130 0.0480 77.029 20.841 14.477 301.707 38
39 3.825 0.2614 0.0124 0.0474 80.725 21.102 14.768 311.640 39
40 3.959 0.2526 0.0118 0.0468 84.550 21.355 15.055 321.491 40

41 4.098 0.2440 0.0113 0.0463 88.510 21.599 15.336 331.252 41

42 4.241 0.2358 0.0108 0.0458 92.607 21.835 15.613 340.919 42
43 4.390 0.2278 0.0103 0.0453 96.849 22.063 15.886 350.487 43
44 4.543 0.2201 0.0099 0.0449 101.238 22.283 16.154 359.951 44
45 4.702 0.2127 0.0095 0.0445 105.782 22.495 16.417 369.308 45

46 4.867 0.2055 0.0091 0.0441 110.484 22.701 16.676 378.554 46

47 5.037 0.1985 0.0087 0.0437 115.351 22.899 16.930 387.686 47
48 5.214 0.1918 0.0083 0.0433 120.388 23.091 17.180 396.701 48
49 5.396 0.1853 0.0080 0.0430 125.602 23.277 17.425 405.596 49
50 5.585 0.1791 0.0076 0.0426 130.998 23.456 17.666 414.370 50
7477_book.fm Page 267 Tuesday, March 13, 2007 3:34 PM

4% Compound Interest Factors 4%

6 1.265 0.7903 0.1508 0.1908 6.633 5.242 2.386 12.506 6

7 1.316 0.7599 0.1266 0.1666 7.898 6.002 2.843 17.066 7
8 1.369 0.7307 0.1085 0.1485 9.214 6.733 3.294 22.181 8
9 1.423 0.7026 0.0945 0.1345 10.583 7.435 3.739 27.801 9
10 1.480 0.6756 0.0833 0.1233 12.006 8.111 4.177 33.881 10

11 1.539 0.6496 0.0741 0.1141 13.486 8.760 4.609 40.377 11

12 1.601 0.6246 0.0666 0.1066 15.026 9.385 5.034 47.248 12
13 1.665 0.6006 0.0601 0.1001 16.627 9.986 5.453 54.455 13
14 1.732 0.5775 0.0547 0.0947 18.292 10.563 5.866 61.962 14
15 1.801 0.5553 0.0499 0.0899 20.024 11.118 6.272 69.735 15

16 1.873 0.5339 0.0458 0.0858 21.825 11.652 6.672 77.744 16

17 1.948 0.5134 0.0422 0.0822 23.698 12.166 7.066 85.958 17
18 2.026 0.4936 0.0390 0.0790 25.645 12.659 7.453 94.350 18
19 2.107 0.4746 0.0361 0.0761 27.671 13.134 7.834 102.893 19
20 2.191 0.4564 0.0336 0.0736 29.778 13.590 8.209 111.565 20

21 2.279 0.4388 0.0313 0.0713 31.969 14.029 8.578 120.341 21

22 2.370 0.4220 0.0292 0.0692 34.248 14.451 8.941 129.202 22
23 2.465 0.4057 0.0273 0.0673 36.618 14.857 9.297 138.128 23
24 2.563 0.3901 0.0256 0.0656 39.083 15.247 9.648 147.101 24
25 2.666 0.3751 0.0240 0.0640 41.646 15.622 9.993 156.104 25

26 2.772 0.3607 0.0226 0.0626 44.312 15.983 10.331 165.121 26

27 2.883 0.3468 0.0212 0.0612 47.084 16.330 10.664 174.138 27
28 2.999 0.3335 0.0200 0.0600 49.968 16.663 10.991 183.142 28
29 3.119 0.3207 0.0189 0.0589 52.966 16.984 11.312 192.121 29
30 3.243 0.3083 0.0178 0.0578 56.085 17.292 11.627 201.062 30

31 3.373 0.2965 0.0169 0.0569 59.328 17.588 11.937 209.956 31

32 3.508 0.2851 0.0159 0.0559 62.701 17.874 12.241 218.792 32
33 3.648 0.2741 0.0151 0.0551 66.210 18.148 12.540 227.563 33
34 3.794 0.2636 0.0143 0.0543 69.858 18.411 12.832 236.261 34
35 3.946 0.2534 0.0136 0.0536 73.652 18.665 13.120 244.877 35

36 4.104 0.2437 0.0129 0.0529 77.598 18.908 13.402 253.405 36

37 4.268 0.2343 0.0122 0.0522 81.702 19.143 13.678 261.840 37
38 4.439 0.2253 0.0116 0.0516 85.970 19.368 13.950 270.175 38
39 4.616 0.2166 0.0111 0.0511 90.409 19.584 14.216 278.407 39
40 4.801 0.2083 0.0105 0.0505 95.026 19.793 14.477 286.530 40

41 4.993 0.2003 0.0100 0.0500 99.827 19.993 14.732 294.541 41

42 5.193 0.1926 0.0095 0.0495 104.820 20.186 14.983 302.437 42
43 5.400 0.1852 0.0091 0.0491 110.012 20.371 15.228 310.214 43
44 5.617 0.1780 0.0087 0.0487 115.413 20.549 15.469 317.870 44
45 5.841 0.1712 0.0083 0.0483 121.029 20.720 15.705 325.403 45

46 6.075 0.1646 0.0079 0.0479 126.871 20.885 15.936 332.810 46

47 6.318 0.1583 0.0075 0.0475 132.945 21.043 16.162 340.091 47
48 6.571 0.1522 0.0072 0.0472 139.263 21.195 16.383 347.245 48
49 6.833 0.1463 0.0069 0.0469 145.834 21.341 16.600 354.269 49
50 7.107 0.1407 0.0066 0.0466 152.667 21.482 16.812 361.164 50
7477_book.fm Page 268 Tuesday, March 13, 2007 3:34 PM

4.5% Compound Interest Factors 4.5%

6 1.302 0.7679 0.1489 0.1939 6.717 5.158 2.372 12.233 6

7 1.361 0.7348 0.1247 0.1697 8.019 5.893 2.824 16.642 7
8 1.422 0.7032 0.1066 0.1516 9.380 6.596 3.269 21.565 8
9 1.486 0.6729 0.0926 0.1376 10.802 7.269 3.707 26.948 9
10 1.553 0.6439 0.0814 0.1264 12.288 7.913 4.138 32.743 10

11 1.623 0.6162 0.0722 0.1172 13.841 8.529 4.562 38.905 11

12 1.696 0.5897 0.0647 0.1097 15.464 9.119 4.978 45.391 12
13 1.772 0.5643 0.0583 0.1033 17.160 9.683 5.387 52.163 13
14 1.852 0.5400 0.0528 0.0978 18.932 10.223 5.789 59.182 14
15 1.935 0.5167 0.0481 0.0931 20.784 10.740 6.184 66.416 15

16 2.022 0.4945 0.0440 0.0890 22.719 11.234 6.572 73.833 16

17 2.113 0.4732 0.0404 0.0854 24.742 11.707 6.953 81.404 17
18 2.208 0.4528 0.0372 0.0822 26.855 12.160 7.327 89.102 18
19 2.308 0.4333 0.0344 0.0794 29.064 12.593 7.695 96.901 19
20 2.412 0.4146 0.0319 0.0769 31.371 13.008 8.055 104.780 20

21 2.520 0.3968 0.0296 0.0746 33.783 13.405 8.409 112.715 21

22 2.634 0.3797 0.0275 0.0725 36.303 13.784 8.755 120.689 22
23 2.752 0.3634 0.0257 0.0707 38.937 14.148 9.096 128.683 23
24 2.876 0.3477 0.0240 0.0690 41.689 14.495 9.429 136.680 24
25 3.005 0.3327 0.0224 0.0674 44.565 14.828 9.756 144.665 25

26 3.141 0.3184 0.0210 0.0660 47.571 15.147 10.077 152.625 26

27 3.282 0.3047 0.0197 0.0647 50.711 15.451 10.391 160.547 27
28 3.430 0.2916 0.0185 0.0635 53.993 15.743 10.698 168.420 28
29 3.584 0.2790 0.0174 0.0624 57.423 16.022 10.999 176.232 29
30 3.745 0.2670 0.0164 0.0614 61.007 16.289 11.295 183.975 30

31 3.914 0.2555 0.0154 0.0604 64.752 16.544 11.583 191.640 31

32 4.090 0.2445 0.0146 0.0596 68.666 16.789 11.866 199.220 32
33 4.274 0.2340 0.0137 0.0587 72.756 17.023 12.143 206.707 33
34 4.466 0.2239 0.0130 0.0580 77.030 17.247 12.414 214.096 34
35 4.667 0.2143 0.0123 0.0573 81.497 17.461 12.679 221.380 35

36 4.877 0.2050 0.0116 0.0566 86.164 17.666 12.938 228.556 36

37 5.097 0.1962 0.0110 0.0560 91.041 17.862 13.191 235.619 37
38 5.326 0.1878 0.0104 0.0554 96.138 18.050 13.439 242.566 38
39 5.566 0.1797 0.0099 0.0549 101.464 18.230 13.681 249.393 39
40 5.816 0.1719 0.0093 0.0543 107.030 18.402 13.917 256.099 40

41 6.078 0.1645 0.0089 0.0539 112.847 18.566 14.148 262.680 41

42 6.352 0.1574 0.0084 0.0534 118.925 18.724 14.374 269.135 42
43 6.637 0.1507 0.0080 0.0530 125.276 18.874 14.595 275.462 43
44 6.936 0.1442 0.0076 0.0526 131.914 19.018 14.810 281.662 44
45 7.248 0.1380 0.0072 0.0522 138.850 19.156 15.020 287.732 45

46 7.574 0.1320 0.0068 0.0518 146.098 19.288 15.225 293.673 46

47 7.915 0.1263 0.0065 0.0515 153.673 19.415 15.426 299.485 47
48 8.271 0.1209 0.0062 0.0512 161.588 19.536 15.621 305.167 48
49 8.644 0.1157 0.0059 0.0509 169.859 19.651 15.812 310.720 49
50 9.033 0.1107 0.0056 0.0506 178.503 19.762 15.998 316.145 50
7477_book.fm Page 269 Tuesday, March 13, 2007 3:34 PM

5% Compound Interest Factors 5%

6 1.340 0.7462 0.1470 0.1970 6.802 5.076 2.358 11.968 6

7 1.407 0.7107 0.1228 0.1728 8.142 5.786 2.805 16.232 7
8 1.477 0.6768 0.1047 0.1547 9.549 6.463 3.245 20.970 8
9 1.551 0.6446 0.0907 0.1407 11.027 7.108 3.676 26.127 9
10 1.629 0.6139 0.0795 0.1295 12.578 7.722 4.099 31.652 10

11 1.710 0.5847 0.0704 0.1204 14.207 8.306 4.514 37.499 11

12 1.796 0.5568 0.0628 0.1128 15.917 8.863 4.922 43.624 12
13 1.886 0.5303 0.0565 0.1065 17.713 9.394 5.322 49.988 13
14 1.980 0.5051 0.0510 0.1010 19.599 9.899 5.713 56.554 14
15 2.079 0.4810 0.0463 0.0963 21.579 10.380 6.097 63.288 15

16 2.183 0.4581 0.0423 0.0923 23.657 10.838 6.474 70.160 16

17 2.292 0.4363 0.0387 0.0887 25.840 11.274 6.842 77.140 17
18 2.407 0.4155 0.0355 0.0855 28.132 11.690 7.203 84.204 18
19 2.527 0.3957 0.0327 0.0827 30.539 12.085 7.557 91.328 19
20 2.653 0.3769 0.0302 0.0802 33.066 12.462 7.903 98.488 20

21 2.786 0.3589 0.0280 0.0780 35.719 12.821 8.242 105.667 21

22 2.925 0.3418 0.0260 0.0760 38.505 13.163 8.573 112.846 22
23 3.072 0.3256 0.0241 0.0741 41.430 13.489 8.897 120.009 23
24 3.225 0.3101 0.0225 0.0725 44.502 13.799 9.214 127.140 24
25 3.386 0.2953 0.0210 0.0710 47.727 14.094 9.524 134.228 25

26 3.556 0.2812 0.0196 0.0696 51.113 14.375 9.827 141.259 26

27 3.733 0.2678 0.0183 0.0683 54.669 14.643 10.122 148.223 27
28 3.920 0.2551 0.0171 0.0671 58.403 14.898 10.411 155.110 28
29 4.116 0.2429 0.0160 0.0660 62.323 15.141 10.694 161.913 29
30 4.322 0.2314 0.0151 0.0651 66.439 15.372 10.969 168.623 30

31 4.538 0.2204 0.0141 0.0641 70.761 15.593 11.238 175.233 31

32 4.765 0.2099 0.0133 0.0633 75.299 15.803 11.501 181.739 32
33 5.003 0.1999 0.0125 0.0625 80.064 16.003 11.757 188.135 33
34 5.253 0.1904 0.0118 0.0618 85.067 16.193 12.006 194.417 34
35 5.516 0.1813 0.0111 0.0611 90.320 16.374 12.250 200.581 35

36 5.792 0.1727 0.0104 0.0604 95.836 16.547 12.487 206.624 36

37 6.081 0.1644 0.0098 0.0598 101.628 16.711 12.719 212.543 37
38 6.385 0.1566 0.0093 0.0593 107.710 16.868 12.944 218.338 38
39 6.705 0.1491 0.0088 0.0588 114.095 17.017 13.164 224.005 39
40 7.040 0.1420 0.0083 0.0583 120.800 17.159 13.377 229.545 40

41 7.392 0.1353 0.0078 0.0578 127.840 17.294 13.586 234.956 41

42 7.762 0.1288 0.0074 0.0574 135.232 17.423 13.788 240.239 42
43 8.150 0.1227 0.0070 0.0570 142.993 17.546 13.986 245.392 43
44 8.557 0.1169 0.0066 0.0566 151.143 17.663 14.178 250.417 44
45 8.985 0.1113 0.0063 0.0563 159.700 17.774 14.364 255.315 45

46 9.434 0.1060 0.0059 0.0559 168.685 17.880 14.546 260.084 46

47 9.906 0.1009 0.0056 0.0556 178.119 17.981 14.723 264.728 47
48 10.401 0.0961 0.0053 0.0553 188.025 18.077 14.894 269.247 48
49 10.921 0.0916 0.0050 0.0550 198.427 18.169 15.061 273.642 49
50 11.467 0.0872 0.0048 0.0548 209.348 18.256 15.223 277.915 50
7477_book.fm Page 270 Tuesday, March 13, 2007 3:34 PM

6% Compound Interest Factors 6%

6 1.419 0.7050 0.1434 0.2034 6.975 4.917 2.330 11.459 6

7 1.504 0.6651 0.1191 0.1791 8.394 5.582 2.768 15.450 7
8 1.594 0.6274 0.1010 0.1610 9.897 6.210 3.195 19.842 8
9 1.689 0.5919 0.0870 0.1470 11.491 6.802 3.613 24.577 9
10 1.791 0.5584 0.0759 0.1359 13.181 7.360 4.022 29.602 10

11 1.898 0.5268 0.0668 0.1268 14.972 7.887 4.421 34.870 11

12 2.012 0.4970 0.0593 0.1193 16.870 8.384 4.811 40.337 12
13 2.133 0.4688 0.0530 0.1130 18.882 8.853 5.192 45.963 13
14 2.261 0.4423 0.0476 0.1076 21.015 9.295 5.564 51.713 14
15 2.397 0.4173 0.0430 0.1030 23.276 9.712 5.926 57.555 15

16 2.540 0.3936 0.0390 0.0990 25.673 10.106 6.279 63.459 16

17 2.693 0.3714 0.0354 0.0954 28.213 10.477 6.624 69.401 17
18 2.854 0.3503 0.0324 0.0924 30.906 10.828 6.960 75.357 18
19 3.026 0.3305 0.0296 0.0896 33.760 11.158 7.287 81.306 19
20 3.207 0.3118 0.0272 0.0872 36.786 11.470 7.605 87.230 20

21 3.400 0.2942 0.0250 0.0850 39.993 11.764 7.915 93.114 21

22 3.604 0.2775 0.0230 0.0830 43.392 12.042 8.217 98.941 22
23 3.820 0.2618 0.0213 0.0813 46.996 12.303 8.510 104.701 23
24 4.049 0.2470 0.0197 0.0797 50.816 12.550 8.795 110.381 24
25 4.292 0.2330 0.0182 0.0782 54.865 12.783 9.072 115.973 25

26 4.549 0.2198 0.0169 0.0769 59.156 13.003 9.341 121.468 26

27 4.822 0.2074 0.0157 0.0757 63.706 13.211 9.603 126.860 27
28 5.112 0.1956 0.0146 0.0746 68.528 13.406 9.857 132.142 28
29 5.418 0.1846 0.0136 0.0736 73.640 13.591 10.103 137.310 29
30 5.743 0.1741 0.0126 0.0726 79.058 13.765 10.342 142.359 30

31 6.088 0.1643 0.0118 0.0718 84.802 13.929 10.574 147.286 31

32 6.453 0.1550 0.0110 0.0710 90.890 14.084 10.799 152.090 32
33 6.841 0.1462 0.0103 0.0703 97.343 14.230 11.017 156.768 33
34 7.251 0.1379 0.0096 0.0696 104.184 14.368 11.228 161.319 34
35 7.686 0.1301 0.0090 0.0690 111.435 14.498 11.432 165.743 35

36 8.147 0.1227 0.0084 0.0684 119.121 14.621 11.630 170.039 36

37 8.636 0.1158 0.0079 0.0679 127.268 14.737 11.821 174.207 37
38 9.154 0.1092 0.0074 0.0674 135.904 14.846 12.007 178.249 38
39 9.704 0.1031 0.0069 0.0669 145.058 14.949 12.186 182.165 39
40 10.286 0.0972 0.0065 0.0665 154.762 15.046 12.359 185.957 40

41 10.903 0.0917 0.0061 0.0661 165.048 15.138 12.526 189.626 41

42 11.557 0.0865 0.0057 0.0657 175.951 15.225 12.688 193.173 42
43 12.250 0.0816 0.0053 0.0653 187.508 15.306 12.845 196.602 43
44 12.985 0.0770 0.0050 0.0650 199.758 15.383 12.996 199.913 44
45 13.765 0.0727 0.0047 0.0647 212.744 15.456 13.141 203.110 45

46 14.590 0.0685 0.0044 0.0644 226.508 15.524 13.282 206.194 46

47 15.466 0.0647 0.0041 0.0641 241.099 15.589 13.418 209.168 47
48 16.394 0.0610 0.0039 0.0639 256.565 15.650 13.549 212.035 48
49 17.378 0.0575 0.0037 0.0637 272.958 15.708 13.675 214.797 49
50 18.420 0.0543 0.0034 0.0634 290.336 15.762 13.796 217.457 50
7477_book.fm Page 271 Tuesday, March 13, 2007 3:34 PM

7% Compound Interest Factors 7%

6 1.501 0.6663 0.1398 0.2098 7.153 4.767 2.303 10.978 6

7 1.606 0.6227 0.1156 0.1856 8.654 5.389 2.730 14.715 7
8 1.718 0.5820 0.0975 0.1675 10.260 5.971 3.147 18.789 8
9 1.838 0.5439 0.0835 0.1535 11.978 6.515 3.552 23.140 9
10 1.967 0.5083 0.0724 0.1424 13.816 7.024 3.946 27.716 10

11 2.105 0.4751 0.0634 0.1334 15.784 7.499 4.330 32.466 11

12 2.252 0.4440 0.0559 0.1259 17.888 7.943 4.703 37.351 12
13 2.410 0.4150 0.0497 0.1197 20.141 8.358 5.065 42.330 13
14 2.579 0.3878 0.0443 0.1143 22.550 8.745 5.417 47.372 14
15 2.759 0.3624 0.0398 0.1098 25.129 9.108 5.758 52.446 15

16 2.952 0.3387 0.0359 0.1059 27.888 9.447 6.090 57.527 16

17 3.159 0.3166 0.0324 0.1024 30.840 9.763 6.411 62.592 17
18 3.380 0.2959 0.0294 0.0994 33.999 10.059 6.722 67.622 18
19 3.617 0.2765 0.0268 0.0968 37.379 10.336 7.024 72.599 19
20 3.870 0.2584 0.0244 0.0944 40.995 10.594 7.316 77.509 20

21 4.141 0.2415 0.0223 0.0923 44.865 10.836 7.599 82.339 21

22 4.430 0.2257 0.0204 0.0904 49.006 11.061 7.872 87.079 22
23 4.741 0.2109 0.0187 0.0887 53.436 11.272 8.137 91.720 23
24 5.072 0.1971 0.0172 0.0872 58.177 11.469 8.392 96.255 24
25 5.427 0.1842 0.0158 0.0858 63.249 11.654 8.639 100.676 25

26 5.807 0.1722 0.0146 0.0846 68.676 11.826 8.877 104.981 26

27 6.214 0.1609 0.0134 0.0834 74.484 11.987 9.107 109.166 27
28 6.649 0.1504 0.0124 0.0824 80.698 12.137 9.329 113.226 28
29 7.114 0.1406 0.0114 0.0814 87.347 12.278 9.543 117.162 29
30 7.612 0.1314 0.0106 0.0806 94.461 12.409 9.749 120.972 30

31 8.145 0.1228 0.0098 0.0798 102.073 12.532 9.947 124.655 31

32 8.715 0.1147 0.0091 0.0791 110.218 12.647 10.138 128.212 32
33 9.325 0.1072 0.0084 0.0784 118.933 12.754 10.322 131.643 33
34 9.978 0.1002 0.0078 0.0778 128.259 12.854 10.499 134.951 34
35 10.677 0.0937 0.0072 0.0772 138.237 12.948 10.669 138.135 35

36 11.424 0.0875 0.0067 0.0767 148.913 13.035 10.832 141.199 36

37 12.224 0.0818 0.0062 0.0762 160.337 13.117 10.989 144.144 37
38 13.079 0.0765 0.0058 0.0758 172.561 13.193 11.140 146.973 38
39 13.995 0.0715 0.0054 0.0754 185.640 13.265 11.285 149.688 39
40 14.974 0.0668 0.0050 0.0750 199.635 13.332 11.423 152.293 40

41 16.023 0.0624 0.0047 0.0747 214.610 13.394 11.557 154.789 41

42 17.144 0.0583 0.0043 0.0743 230.632 13.452 11.684 157.181 42
43 18.344 0.0545 0.0040 0.0740 247.776 13.507 11.807 159.470 43
44 19.628 0.0509 0.0038 0.0738 266.121 13.558 11.924 161.661 44
45 21.002 0.0476 0.0035 0.0735 285.749 13.606 12.036 163.756 45

46 22.473 0.0445 0.0033 0.0733 306.752 13.650 12.143 165.758 46

47 24.046 0.0416 0.0030 0.0730 329.224 13.692 12.246 167.671 47
48 25.729 0.0389 0.0028 0.0728 353.270 13.730 12.345 169.498 48
49 27.530 0.0363 0.0026 0.0726 378.999 13.767 12.439 171.242 49
50 29.457 0.0339 0.0025 0.0725 406.529 13.801 12.529 172.905 50
7477_book.fm Page 272 Tuesday, March 13, 2007 3:34 PM

8% Compound Interest Factors 8%

6 1.587 0.6302 0.1363 0.2163 7.336 4.623 2.276 10.523 6

7 1.714 0.5835 0.1121 0.1921 8.923 5.206 2.694 14.024 7
8 1.851 0.5403 0.0940 0.1740 10.637 5.747 3.099 17.806 8
9 1.999 0.5002 0.0801 0.1601 12.488 6.247 3.491 21.808 9
10 2.159 0.4632 0.0690 0.1490 14.487 6.710 3.871 25.977 10

11 2.332 0.4289 0.0601 0.1401 16.645 7.139 4.240 30.266 11

12 2.518 0.3971 0.0527 0.1327 18.977 7.536 4.596 34.634 12
13 2.720 0.3677 0.0465 0.1265 21.495 7.904 4.940 39.046 13
14 2.937 0.3405 0.0413 0.1213 24.215 8.244 5.273 43.472 14
15 3.172 0.3152 0.0368 0.1168 27.152 8.559 5.594 47.886 15

16 3.426 0.2919 0.0330 0.1130 30.324 8.851 5.905 52.264 16

17 3.700 0.2703 0.0296 0.1096 33.750 9.122 6.204 56.588 17
18 3.996 0.2502 0.0267 0.1067 37.450 9.372 6.492 60.843 18
19 4.316 0.2317 0.0241 0.1041 41.446 9.604 6.770 65.013 19
20 4.661 0.2145 0.0219 0.1019 45.762 9.818 7.037 69.090 20

21 5.034 0.1987 0.0198 0.0998 50.423 10.017 7.294 73.063 21

22 5.437 0.1839 0.0180 0.0980 55.457 10.201 7.541 76.926 22
23 5.871 0.1703 0.0164 0.0964 60.893 10.371 7.779 80.673 23
24 6.341 0.1577 0.0150 0.0950 66.765 10.529 8.007 84.300 24
25 6.848 0.1460 0.0137 0.0937 73.106 10.675 8.225 87.804 25

26 7.396 0.1352 0.0125 0.0925 79.954 10.810 8.435 91.184 26

27 7.988 0.1252 0.0114 0.0914 87.351 10.935 8.636 94.439 27
28 8.627 0.1159 0.0105 0.0905 95.339 11.051 8.829 97.569 28
29 9.317 0.1073 0.0096 0.0896 103.966 11.158 9.013 100.574 29
30 10.063 0.0994 0.0088 0.0888 113.283 11.258 9.190 103.456 30

31 10.868 0.0920 0.0081 0.0881 123.346 11.350 9.358 106.216 31

32 11.737 0.0852 0.0075 0.0875 134.214 11.435 9.520 108.857 32
33 12.676 0.0789 0.0069 0.0869 145.951 11.514 9.674 111.382 33
34 13.690 0.0730 0.0063 0.0863 158.627 11.587 9.821 113.792 34
35 14.785 0.0676 0.0058 0.0858 172.317 11.655 9.961 116.092 35

36 15.968 0.0626 0.0053 0.0853 187.102 11.717 10.095 118.284 36

37 17.246 0.0580 0.0049 0.0849 203.070 11.775 10.222 120.371 37
38 18.625 0.0537 0.0045 0.0845 220.316 11.829 10.344 122.358 38
39 20.115 0.0497 0.0042 0.0842 238.941 11.879 10.460 124.247 39
40 21.725 0.0460 0.0039 0.0839 259.057 11.925 10.570 126.042 40

41 23.462 0.0426 0.0036 0.0836 280.781 11.967 10.675 127.747 41

42 25.339 0.0395 0.0033 0.0833 304.244 12.007 10.774 129.365 42
43 27.367 0.0365 0.0030 0.0830 329.583 12.043 10.869 130.900 43
44 29.556 0.0338 0.0028 0.0828 356.950 12.077 10.959 132.355 44
45 31.920 0.0313 0.0026 0.0826 386.506 12.108 11.045 133.733 45

46 34.474 0.0290 0.0024 0.0824 418.426 12.137 11.126 135.038 46

47 37.232 0.0269 0.0022 0.0822 452.900 12.164 11.203 136.274 47
48 40.211 0.0249 0.0020 0.0820 490.132 12.189 11.276 137.443 48
49 43.427 0.0230 0.0019 0.0819 530.343 12.212 11.345 138.548 49
50 46.902 0.0213 0.0017 0.0817 573.770 12.233 11.411 139.593 50
7477_book.fm Page 273 Tuesday, March 13, 2007 3:34 PM

9% Compound Interest Factors 9%

6 1.677 0.5963 0.1329 0.2229 7.523 4.486 2.250 10.092 6

7 1.828 0.5470 0.1087 0.1987 9.200 5.033 2.657 13.375 7
8 1.993 0.5019 0.0907 0.1807 11.028 5.535 3.051 16.888 8
9 2.172 0.4604 0.0768 0.1668 13.021 5.995 3.431 20.571 9
10 2.367 0.4224 0.0658 0.1558 15.193 6.418 3.798 24.373 10

11 2.580 0.3875 0.0569 0.1469 17.560 6.805 4.151 28.248 11

12 2.813 0.3555 0.0497 0.1397 20.141 7.161 4.491 32.159 12
13 3.066 0.3262 0.0436 0.1336 22.953 7.487 4.818 36.073 13
14 3.342 0.2992 0.0384 0.1284 26.019 7.786 5.133 39.963 14
15 3.642 0.2745 0.0341 0.1241 29.361 8.061 5.435 43.807 15

16 3.970 0.2519 0.0303 0.1203 33.003 8.313 5.724 47.585 16

17 4.328 0.2311 0.0270 0.1170 36.974 8.544 6.002 51.282 17
18 4.717 0.2120 0.0242 0.1142 41.301 8.756 6.269 54.886 18
19 5.142 0.1945 0.0217 0.1117 46.018 8.950 6.524 58.387 19
20 5.604 0.1784 0.0195 0.1095 51.160 9.129 6.767 61.777 20

21 6.109 0.1637 0.0176 0.1076 56.765 9.292 7.001 65.051 21

22 6.659 0.1502 0.0159 0.1059 62.873 9.442 7.223 68.205 22
23 7.258 0.1378 0.0144 0.1044 69.532 9.580 7.436 71.236 23
24 7.911 0.1264 0.0130 0.1030 76.790 9.707 7.638 74.143 24
25 8.623 0.1160 0.0118 0.1018 84.701 9.823 7.832 76.926 25

26 9.399 0.1064 0.0107 0.1007 93.324 9.929 8.016 79.586 26

27 10.245 0.0976 0.0097 0.0997 102.723 10.027 8.191 82.124 27
28 11.167 0.0895 0.0089 0.0989 112.968 10.116 8.357 84.542 28
29 12.172 0.0822 0.0081 0.0981 124.135 10.198 8.515 86.842 29
30 13.268 0.0754 0.0073 0.0973 136.308 10.274 8.666 89.028 30

31 14.462 0.0691 0.0067 0.0967 149.575 10.343 8.808 91.102 31

32 15.763 0.0634 0.0061 0.0961 164.037 10.406 8.944 93.069 32
33 17.182 0.0582 0.0056 0.0956 179.800 10.464 9.072 94.931 33
34 18.728 0.0534 0.0051 0.0951 196.982 10.518 9.193 96.693 34
35 20.414 0.0490 0.0046 0.0946 215.711 10.567 9.308 98.359 35

36 22.251 0.0449 0.0042 0.0942 236.125 10.612 9.417 99.932 36

37 24.254 0.0412 0.0039 0.0939 258.376 10.653 9.520 101.416 37
38 26.437 0.0378 0.0035 0.0935 282.630 10.691 9.617 102.816 38
39 28.816 0.0347 0.0032 0.0932 309.066 10.726 9.709 104.135 39
40 31.409 0.0318 0.0030 0.0930 337.882 10.757 9.796 105.376 40

41 34.236 0.0292 0.0027 0.0927 369.292 10.787 9.878 106.545 41

42 37.318 0.0268 0.0025 0.0925 403.528 10.813 9.955 107.643 42
43 40.676 0.0246 0.0023 0.0923 440.846 10.838 10.027 108.676 43
44 44.337 0.0226 0.0021 0.0921 481.522 10.861 10.096 109.646 44
45 48.327 0.0207 0.0019 0.0919 525.859 10.881 10.160 110.556 45

46 52.677 0.0190 0.0017 0.0917 574.186 10.900 10.221 111.410 46

47 57.418 0.0174 0.0016 0.0916 626.863 10.918 10.278 112.211 47
48 62.585 0.0160 0.0015 0.0915 684.280 10.934 10.332 112.962 48
49 68.218 0.0147 0.0013 0.0913 746.866 10.948 10.382 113.666 49
50 74.358 0.0134 0.0012 0.0912 815.084 10.962 10.430 114.325 50
7477_book.fm Page 274 Tuesday, March 13, 2007 3:34 PM

10% Compound Interest Factors 10%

6 1.772 0.5645 0.1296 0.2296 7.716 4.355 2.224 9.684 6

7 1.949 0.5132 0.1054 0.2054 9.487 4.868 2.622 12.763 7
8 2.144 0.4665 0.0874 0.1874 11.436 5.335 3.004 16.029 8
9 2.358 0.4241 0.0736 0.1736 13.579 5.759 3.372 19.421 9
10 2.594 0.3855 0.0627 0.1627 15.937 6.145 3.725 22.891 10

11 2.853 0.3505 0.0540 0.1540 18.531 6.495 4.064 26.396 11

12 3.138 0.3186 0.0468 0.1468 21.384 6.814 4.388 29.901 12
13 3.452 0.2897 0.0408 0.1408 24.523 7.103 4.699 33.377 13
14 3.797 0.2633 0.0357 0.1357 27.975 7.367 4.996 36.800 14
15 4.177 0.2394 0.0315 0.1315 31.772 7.606 5.279 40.152 15

16 4.595 0.2176 0.0278 0.1278 35.950 7.824 5.549 43.416 16

17 5.054 0.1978 0.0247 0.1247 40.545 8.022 5.807 46.582 17
18 5.560 0.1799 0.0219 0.1219 45.599 8.201 6.053 49.640 18
19 6.116 0.1635 0.0195 0.1195 51.159 8.365 6.286 52.583 19
20 6.727 0.1486 0.0175 0.1175 57.275 8.514 6.508 55.407 20

21 7.400 0.1351 0.0156 0.1156 64.002 8.649 6.719 58.110 21

22 8.140 0.1228 0.0140 0.1140 71.403 8.772 6.919 60.689 22
23 8.954 0.1117 0.0126 0.1126 79.543 8.883 7.108 63.146 23
24 9.850 0.1015 0.0113 0.1113 88.497 8.985 7.288 65.481 24
25 10.835 0.0923 0.0102 0.1102 98.347 9.077 7.458 67.696 25

26 11.918 0.0839 0.0092 0.1092 109.182 9.161 7.619 69.794 26

27 13.110 0.0763 0.0083 0.1083 121.100 9.237 7.770 71.777 27
28 14.421 0.0693 0.0075 0.1075 134.210 9.307 7.914 73.650 28
29 15.863 0.0630 0.0067 0.1067 148.631 9.370 8.049 75.415 29
30 17.449 0.0573 0.0061 0.1061 164.494 9.427 8.176 77.077 30

31 19.194 0.0521 0.0055 0.1055 181.943 9.479 8.296 78.640 31

32 21.114 0.0474 0.0050 0.1050 201.138 9.526 8.409 80.108 32
33 23.225 0.0431 0.0045 0.1045 222.252 9.569 8.515 81.486 33
34 25.548 0.0391 0.0041 0.1041 245.477 9.609 8.615 82.777 34
35 28.102 0.0356 0.0037 0.1037 271.024 9.644 8.709 83.987 35

36 30.913 0.0323 0.0033 0.1033 299.127 9.677 8.796 85.119 36

37 34.004 0.0294 0.0030 0.1030 330.039 9.706 8.879 86.178 37
38 37.404 0.0267 0.0027 0.1027 364.043 9.733 8.956 87.167 38
39 41.145 0.0243 0.0025 0.1025 401.448 9.757 9.029 88.091 39
40 45.259 0.0221 0.0023 0.1023 442.593 9.779 9.096 88.953 40

41 49.785 0.0201 0.0020 0.1020 487.852 9.799 9.160 89.756 41

42 54.764 0.0183 0.0019 0.1019 537.637 9.817 9.219 90.505 42
43 60.240 0.0166 0.0017 0.1017 592.401 9.834 9.274 91.202 43
44 66.264 0.0151 0.0015 0.1015 652.641 9.849 9.326 91.851 44
45 72.890 0.0137 0.0014 0.1014 718.905 9.863 9.374 92.454 45

46 80.180 0.0125 0.0013 0.1013 791.795 9.875 9.419 93.016 46

47 88.197 0.0113 0.0011 0.1011 871.975 9.887 9.461 93.537 47
48 97.017 0.0103 0.0010 0.1010 960.172 9.897 9.500 94.022 48
49 106.719 0.0094 0.0009 0.1009 1057.190 9.906 9.537 94.471 49
50 117.391 0.0085 0.0009 0.1009 1163.909 9.915 9.570 94.889 50
7477_book.fm Page 275 Tuesday, March 13, 2007 3:34 PM

12% Compound Interest Factors 12%

6 1.974 0.5066 0.1232 0.2432 8.115 4.111 2.172 8.930 6

7 2.211 0.4523 0.0991 0.2191 10.089 4.564 2.551 11.644 7
8 2.476 0.4039 0.0813 0.2013 12.300 4.968 2.913 14.471 8
9 2.773 0.3606 0.0677 0.1877 14.776 5.328 3.257 17.356 9
10 3.106 0.3220 0.0570 0.1770 17.549 5.650 3.585 20.254 10

11 3.479 0.2875 0.0484 0.1684 20.655 5.938 3.895 23.129 11

12 3.896 0.2567 0.0414 0.1614 24.133 6.194 4.190 25.952 12
13 4.363 0.2292 0.0357 0.1557 28.029 6.424 4.468 28.702 13
14 4.887 0.2046 0.0309 0.1509 32.393 6.628 4.732 31.362 14
15 5.474 0.1827 0.0268 0.1468 37.280 6.811 4.980 33.920 15

16 6.130 0.1631 0.0234 0.1434 42.753 6.974 5.215 36.367 16

17 6.866 0.1456 0.0205 0.1405 48.884 7.120 5.435 38.697 17
18 7.690 0.1300 0.0179 0.1379 55.750 7.250 5.643 40.908 18
19 8.613 0.1161 0.0158 0.1358 63.440 7.366 5.838 42.998 19
20 9.646 0.1037 0.0139 0.1339 72.052 7.469 6.020 44.968 20

21 10.804 0.0926 0.0122 0.1322 81.699 7.562 6.191 46.819 21

22 12.100 0.0826 0.0108 0.1308 92.503 7.645 6.351 48.554 22
23 13.552 0.0738 0.0096 0.1296 104.603 7.718 6.501 50.178 23
24 15.179 0.0659 0.0085 0.1285 118.155 7.784 6.641 51.693 24
25 17.000 0.0588 0.0075 0.1275 133.334 7.843 6.771 53.105 25

26 19.040 0.0525 0.0067 0.1267 150.334 7.896 6.892 54.418 26

27 21.325 0.0469 0.0059 0.1259 169.374 7.943 7.005 55.637 27
28 23.884 0.0419 0.0052 0.1252 190.699 7.984 7.110 56.767 28
29 26.750 0.0374 0.0047 0.1247 214.583 8.022 7.207 57.814 29
30 29.960 0.0334 0.0041 0.1241 241.333 8.055 7.297 58.782 30

31 33.555 0.0298 0.0037 0.1237 271.293 8.085 7.381 59.676 31

32 37.582 0.0266 0.0033 0.1233 304.848 8.112 7.459 60.501 32
33 42.092 0.0238 0.0029 0.1229 342.429 8.135 7.530 61.261 33
34 47.143 0.0212 0.0026 0.1226 384.521 8.157 7.596 61.961 34
35 52.800 0.0189 0.0023 0.1223 431.663 8.176 7.658 62.605 35

36 59.136 0.0169 0.0021 0.1221 484.463 8.192 7.714 63.197 36

37 66.232 0.0151 0.0018 0.1218 543.599 8.208 7.766 63.741 37
38 74.180 0.0135 0.0016 0.1216 609.831 8.221 7.814 64.239 38
39 83.081 0.0120 0.0015 0.1215 684.010 8.233 7.858 64.697 39
40 93.051 0.0107 0.0013 0.1213 767.091 8.244 7.899 65.116 40

41 104.217 0.0096 0.0012 0.1212 860.142 8.253 7.936 65.500 41

42 116.723 0.0086 0.0010 0.1210 964.359 8.262 7.970 65.851 42
43 130.730 0.0076 0.0009 0.1209 1081.083 8.270 8.002 66.172 43
44 146.418 0.0068 0.0008 0.1208 1211.813 8.276 8.031 66.466 44
45 163.988 0.0061 0.0007 0.1207 1358.230 8.283 8.057 66.734 45

46 183.666 0.0054 0.0007 0.1207 1522.218 8.288 8.082 66.979 46

47 205.706 0.0049 0.0006 0.1206 1705.884 8.293 8.104 67.203 47
48 230.391 0.0043 0.0005 0.1205 1911.590 8.297 8.124 67.407 48
49 258.038 0.0039 0.0005 0.1205 2141.981 8.301 8.143 67.593 49
50 289.002 0.0035 0.0004 0.1204 2400.018 8.304 8.160 67.762 50
7477_book.fm Page 276 Tuesday, March 13, 2007 3:34 PM

14% Compound Interest Factors 14%

6 2.195 0.4556 0.1172 0.2572 8.536 3.889 2.122 8.251 6

7 2.502 0.3996 0.0932 0.2332 10.730 4.288 2.483 10.649 7
8 2.853 0.3506 0.0756 0.2156 13.233 4.639 2.825 13.103 8
9 3.252 0.3075 0.0622 0.2022 16.085 4.946 3.146 15.563 9
10 3.707 0.2697 0.0517 0.1917 19.337 5.216 3.449 17.991 10

11 4.226 0.2366 0.0434 0.1834 23.045 5.453 3.733 20.357 11

12 4.818 0.2076 0.0367 0.1767 27.271 5.660 4.000 22.640 12
13 5.492 0.1821 0.0312 0.1712 32.089 5.842 4.249 24.825 13
14 6.261 0.1597 0.0266 0.1666 37.581 6.002 4.482 26.901 14
15 7.138 0.1401 0.0228 0.1628 43.842 6.142 4.699 28.862 15

16 8.137 0.1229 0.0196 0.1596 50.980 6.265 4.901 30.706 16

17 9.276 0.1078 0.0169 0.1569 59.118 6.373 5.089 32.430 17
18 10.575 0.0946 0.0146 0.1546 68.394 6.467 5.263 34.038 18
19 12.056 0.0829 0.0127 0.1527 78.969 6.550 5.424 35.531 19
20 13.743 0.0728 0.0110 0.1510 91.025 6.623 5.573 36.914 20

21 15.668 0.0638 0.0095 0.1495 104.768 6.687 5.711 38.190 21

22 17.861 0.0560 0.0083 0.1483 120.436 6.743 5.838 39.366 22
23 20.362 0.0491 0.0072 0.1472 138.297 6.792 5.955 40.446 23
24 23.212 0.0431 0.0063 0.1463 158.659 6.835 6.062 41.437 24
25 26.462 0.0378 0.0055 0.1455 181.871 6.873 6.161 42.344 25

26 30.167 0.0331 0.0048 0.1448 208.333 6.906 6.251 43.173 26

27 34.390 0.0291 0.0042 0.1442 238.499 6.935 6.334 43.929 27
28 39.204 0.0255 0.0037 0.1437 272.889 6.961 6.410 44.618 28
29 44.693 0.0224 0.0032 0.1432 312.094 6.983 6.479 45.244 29
30 50.950 0.0196 0.0028 0.1428 356.787 7.003 6.542 45.813 30

31 58.083 0.0172 0.0025 0.1425 407.737 7.020 6.600 46.330 31

32 66.215 0.0151 0.0021 0.1421 465.820 7.035 6.652 46.798 32
33 75.485 0.0132 0.0019 0.1419 532.035 7.048 6.700 47.222 33
34 86.053 0.0116 0.0016 0.1416 607.520 7.060 6.743 47.605 34
35 98.100 0.0102 0.0014 0.1414 693.573 7.070 6.782 47.952 35

36 111.834 0.0089 0.0013 0.1413 791.673 7.079 6.818 48.265 36

37 127.491 0.0078 0.0011 0.1411 903.507 7.087 6.850 48.547 37
38 145.340 0.0069 0.0010 0.1410 1030.998 7.094 6.880 48.802 38
39 165.687 0.0060 0.0009 0.1409 1176.338 7.100 6.906 49.031 39
40 188.884 0.0053 0.0007 0.1407 1342.025 7.105 6.930 49.238 40

41 215.327 0.0046 0.0007 0.1407 1530.909 7.110 6.952 49.423 41

42 245.473 0.0041 0.0006 0.1406 1746.236 7.114 6.971 49.590 42
43 279.839 0.0036 0.0005 0.1405 1991.709 7.117 6.989 49.741 43
44 319.017 0.0031 0.0004 0.1404 2271.548 7.120 7.004 49.875 44
45 363.679 0.0027 0.0004 0.1404 2590.565 7.123 7.019 49.996 45

46 414.594 0.0024 0.0003 0.1403 2954.244 7.126 7.032 50.105 46

47 472.637 0.0021 0.0003 0.1403 3368.838 7.128 7.043 50.202 47
48 538.807 0.0019 0.0003 0.1403 3841.475 7.130 7.054 50.289 48
49 614.239 0.0016 0.0002 0.1402 4380.282 7.131 7.063 50.368 49
50 700.233 0.0014 0.0002 0.1402 4994.521 7.133 7.071 50.438 50
7477_book.fm Page 277 Tuesday, March 13, 2007 3:34 PM

16% Compound Interest Factors 16%

6 2.436 0.4104 0.1114 0.2714 8.977 3.685 2.073 7.638 6

7 2.826 0.3538 0.0876 0.2476 11.414 4.039 2.417 9.761 7
8 3.278 0.3050 0.0702 0.2302 14.240 4.344 2.739 11.896 8
9 3.803 0.2630 0.0571 0.2171 17.519 4.607 3.039 14.000 9
10 4.411 0.2267 0.0469 0.2069 21.321 4.833 3.319 16.040 10

11 5.117 0.1954 0.0389 0.1989 25.733 5.029 3.578 17.994 11

12 5.936 0.1685 0.0324 0.1924 30.850 5.197 3.819 19.847 12
13 6.886 0.1452 0.0272 0.1872 36.786 5.342 4.041 21.590 13
14 7.988 0.1252 0.0229 0.1829 43.672 5.468 4.246 23.217 14
15 9.266 0.1079 0.0194 0.1794 51.660 5.575 4.435 24.728 15

16 10.748 0.0930 0.0164 0.1764 60.925 5.668 4.609 26.124 16

17 12.468 0.0802 0.0140 0.1740 71.673 5.749 4.768 27.407 17
18 14.463 0.0691 0.0119 0.1719 84.141 5.818 4.913 28.583 18
19 16.777 0.0596 0.0101 0.1701 98.603 5.877 5.046 29.656 19
20 19.461 0.0514 0.0087 0.1687 115.380 5.929 5.167 30.632 20

21 22.574 0.0443 0.0074 0.1674 134.841 5.973 5.277 31.518 21

22 26.186 0.0382 0.0064 0.1664 157.415 6.011 5.377 32.320 22
23 30.376 0.0329 0.0054 0.1654 183.601 6.044 5.467 33.044 23
24 35.236 0.0284 0.0047 0.1647 213.978 6.073 5.549 33.697 24
25 40.874 0.0245 0.0040 0.1640 249.214 6.097 5.623 34.284 25

26 47.414 0.0211 0.0034 0.1634 290.088 6.118 5.690 34.811 26

27 55.000 0.0182 0.0030 0.1630 337.502 6.136 5.750 35.284 27
28 63.800 0.0157 0.0025 0.1625 392.503 6.152 5.804 35.707 28
29 74.009 0.0135 0.0022 0.1622 456.303 6.166 5.853 36.086 29
30 85.850 0.0116 0.0019 0.1619 530.312 6.177 5.896 36.423 30

31 99.586 0.0100 0.0016 0.1616 616.162 6.187 5.936 36.725 31

32 115.520 0.0087 0.0014 0.1614 715.747 6.196 5.971 36.993 32
33 134.003 0.0075 0.0012 0.1612 831.267 6.203 6.002 37.232 33
34 155.443 0.0064 0.0010 0.1610 965.270 6.210 6.030 37.444 34
35 180.314 0.0055 0.0009 0.1609 1120.713 6.215 6.055 37.633 35

36 209.164 0.0048 0.0008 0.1608 1301.027 6.220 6.077 37.800 36

37 242.631 0.0041 0.0007 0.1607 1510.191 6.224 6.097 37.948 37
38 281.452 0.0036 0.0006 0.1606 1752.822 6.228 6.115 38.080 38
39 326.484 0.0031 0.0005 0.1605 2034.273 6.231 6.130 38.196 39
40 378.721 0.0026 0.0004 0.1604 2360.757 6.233 6.144 38.299 40

41 439.317 0.0023 0.0004 0.1604 2739.478 6.236 6.156 38.390 41

42 509.607 0.0020 0.0003 0.1603 3178.795 6.238 6.167 38.471 42
43 591.144 0.0017 0.0003 0.1603 3688.402 6.239 6.177 38.542 43
44 685.727 0.0015 0.0002 0.1602 4279.546 6.241 6.186 38.605 44
45 795.444 0.0013 0.0002 0.1602 4965.274 6.242 6.193 38.660 45

46 922.715 0.0011 0.0002 0.1602 5760.718 6.243 6.200 38.709 46

47 1070.349 0.0009 0.0001 0.1601 6683.433 6.244 6.206 38.752 47
48 1241.605 0.0008 0.0001 0.1601 7753.782 6.245 6.211 38.789 48
49 1440.262 0.0007 0.0001 0.1601 8995.387 6.246 6.216 38.823 49
50 1670.704 0.0006 0.0001 0.1601 10435.649 6.246 6.220 38.852 50
7477_book.fm Page 278 Tuesday, March 13, 2007 3:34 PM

18% Compound Interest Factors 18%

6 2.700 0.3704 0.1059 0.2859 9.442 3.498 2.025 7.083 6

7 3.185 0.3139 0.0824 0.2624 12.142 3.812 2.353 8.967 7
8 3.759 0.2660 0.0652 0.2452 15.327 4.078 2.656 10.829 8
9 4.435 0.2255 0.0524 0.2324 19.086 4.303 2.936 12.633 9
10 5.234 0.1911 0.0425 0.2225 23.521 4.494 3.194 14.352 10

11 6.176 0.1619 0.0348 0.2148 28.755 4.656 3.430 15.972 11

12 7.288 0.1372 0.0286 0.2086 34.931 4.793 3.647 17.481 12
13 8.599 0.1163 0.0237 0.2037 42.219 4.910 3.845 18.877 13
14 10.147 0.0985 0.0197 0.1997 50.818 5.008 4.025 20.158 14
15 11.974 0.0835 0.0164 0.1964 60.965 5.092 4.189 21.327 15

16 14.129 0.0708 0.0137 0.1937 72.939 5.162 4.337 22.389 16

17 16.672 0.0600 0.0115 0.1915 87.068 5.222 4.471 23.348 17
18 19.673 0.0508 0.0096 0.1896 103.740 5.273 4.592 24.212 18
19 23.214 0.0431 0.0081 0.1881 123.414 5.316 4.700 24.988 19
20 27.393 0.0365 0.0068 0.1868 146.628 5.353 4.798 25.681 20

21 32.324 0.0309 0.0057 0.1857 174.021 5.384 4.885 26.300 21

22 38.142 0.0262 0.0048 0.1848 206.345 5.410 4.963 26.851 22
23 45.008 0.0222 0.0041 0.1841 244.487 5.432 5.033 27.339 23
24 53.109 0.0188 0.0035 0.1835 289.494 5.451 5.095 27.772 24
25 62.669 0.0160 0.0029 0.1829 342.603 5.467 5.150 28.155 25

26 73.949 0.0135 0.0025 0.1825 405.272 5.480 5.199 28.494 26

27 87.260 0.0115 0.0021 0.1821 479.221 5.492 5.243 28.791 27
28 102.967 0.0097 0.0018 0.1818 566.481 5.502 5.281 29.054 28
29 121.501 0.0082 0.0015 0.1815 669.447 5.510 5.315 29.284 29
30 143.371 0.0070 0.0013 0.1813 790.948 5.517 5.345 29.486 30

31 169.177 0.0059 0.0011 0.1811 934.319 5.523 5.371 29.664 31

32 199.629 0.0050 0.0009 0.1809 1103.496 5.528 5.394 29.819 32
33 235.563 0.0042 0.0008 0.1808 1303.125 5.532 5.415 29.955 33
34 277.964 0.0036 0.0006 0.1806 1538.688 5.536 5.433 30.074 34
35 327.997 0.0030 0.0006 0.1806 1816.652 5.539 5.449 30.177 35

36 387.037 0.0026 0.0005 0.1805 2144.649 5.541 5.462 30.268 36

37 456.703 0.0022 0.0004 0.1804 2531.686 5.543 5.474 30.347 37
38 538.910 0.0019 0.0003 0.1803 2988.389 5.545 5.485 30.415 38
39 635.914 0.0016 0.0003 0.1803 3527.299 5.547 5.494 30.475 39
40 750.378 0.0013 0.0002 0.1802 4163.213 5.548 5.502 30.527 40

41 885.446 0.0011 0.0002 0.1802 4913.591 5.549 5.509 30.572 41

42 1044.827 0.0010 0.0002 0.1802 5799.038 5.550 5.515 30.611 42
43 1232.896 0.0008 0.0001 0.1801 6843.865 5.551 5.521 30.645 43
44 1454.817 0.0007 0.0001 0.1801 8076.760 5.552 5.525 30.675 44
45 1716.684 0.0006 0.0001 0.1801 9531.577 5.552 5.529 30.701 45

46 2025.687 0.0005 0.0001 0.1801 11248.261 5.553 5.533 30.723 46

47 2390.311 0.0004 0.0001 0.1801 13273.948 5.553 5.536 30.742 47
48 2820.567 0.0004 0.0001 0.1801 15664.259 5.554 5.539 30.759 48
49 3328.269 0.0003 0.0001 0.1801 18484.825 5.554 5.541 30.773 49
50 3927.357 0.0003 0.0000 0.1800 21813.094 5.554 5.543 30.786 50
7477_book.fm Page 279 Tuesday, March 13, 2007 3:34 PM

20% Compound Interest Factors 20%

6 2.986 0.3349 0.1007 0.3007 9.930 3.326 1.979 6.581 6

7 3.583 0.2791 0.0774 0.2774 12.916 3.605 2.290 8.255 7
8 4.300 0.2326 0.0606 0.2606 16.499 3.837 2.576 9.883 8
9 5.160 0.1938 0.0481 0.2481 20.799 4.031 2.836 11.434 9
10 6.192 0.1615 0.0385 0.2385 25.959 4.192 3.074 12.887 10

11 7.430 0.1346 0.0311 0.2311 32.150 4.327 3.289 14.233 11

12 8.916 0.1122 0.0253 0.2253 39.581 4.439 3.484 15.467 12
13 10.699 0.0935 0.0206 0.2206 48.497 4.533 3.660 16.588 13
14 12.839 0.0779 0.0169 0.2169 59.196 4.611 3.817 17.601 14
15 15.407 0.0649 0.0139 0.2139 72.035 4.675 3.959 18.509 15

16 18.488 0.0541 0.0114 0.2114 87.442 4.730 4.085 19.321 16

17 22.186 0.0451 0.0094 0.2094 105.931 4.775 4.198 20.042 17
18 26.623 0.0376 0.0078 0.2078 128.117 4.812 4.298 20.680 18
19 31.948 0.0313 0.0065 0.2065 154.740 4.843 4.386 21.244 19
20 38.338 0.0261 0.0054 0.2054 186.688 4.870 4.464 21.739 20

21 46.005 0.0217 0.0044 0.2044 225.026 4.891 4.533 22.174 21

22 55.206 0.0181 0.0037 0.2037 271.031 4.909 4.594 22.555 22
23 66.247 0.0151 0.0031 0.2031 326.237 4.925 4.647 22.887 23
24 79.497 0.0126 0.0025 0.2025 392.484 4.937 4.694 23.176 24
25 95.396 0.0105 0.0021 0.2021 471.981 4.948 4.735 23.428 25

26 114.475 0.0087 0.0018 0.2018 567.377 4.956 4.771 23.646 26

27 137.371 0.0073 0.0015 0.2015 681.853 4.964 4.802 23.835 27
28 164.845 0.0061 0.0012 0.2012 819.223 4.970 4.829 23.999 28
29 197.814 0.0051 0.0010 0.2010 984.068 4.975 4.853 24.141 29
30 237.376 0.0042 0.0008 0.2008 1181.882 4.979 4.873 24.263 30

31 284.852 0.0035 0.0007 0.2007 1419.258 4.982 4.891 24.368 31

32 341.822 0.0029 0.0006 0.2006 1704.109 4.985 4.906 24.459 32
33 410.186 0.0024 0.0005 0.2005 2045.931 4.988 4.919 24.537 33
34 492.224 0.0020 0.0004 0.2004 2456.118 4.990 4.931 24.604 34
35 590.668 0.0017 0.0003 0.2003 2948.341 4.992 4.941 24.661 35

36 708.802 0.0014 0.0003 0.2003 3539.009 4.993 4.949 24.711 36

37 850.562 0.0012 0.0002 0.2002 4247.811 4.994 4.956 24.753 37
38 1020.675 0.0010 0.0002 0.2002 5098.373 4.995 4.963 24.789 38
39 1224.810 0.0008 0.0002 0.2002 6119.048 4.996 4.968 24.820 39
40 1469.772 0.0007 0.0001 0.2001 7343.858 4.997 4.973 24.847 40

41 1763.726 0.0006 0.0001 0.2001 8813.629 4.997 4.977 24.870 41

42 2116.471 0.0005 0.0001 0.2001 10577.355 4.998 4.980 24.889 42
43 2539.765 0.0004 0.0001 0.2001 12693.826 4.998 4.983 24.906 43
44 3047.718 0.0003 0.0001 0.2001 15233.592 4.998 4.986 24.920 44
45 3657.262 0.0003 0.0001 0.2001 18281.310 4.999 4.988 24.932 45

46 4388.714 0.0002 0.0000 0.2000 21938.572 4.999 4.990 24.942 46

47 5266.457 0.0002 0.0000 0.2000 26327.286 4.999 4.991 24.951 47
48 6319.749 0.0002 0.0000 0.2000 31593.744 4.999 4.992 24.958 48
49 7583.698 0.0001 0.0000 0.2000 37913.492 4.999 4.994 24.964 49
50 9100.438 0.0001 0.0000 0.2000 45497.191 4.999 4.995 24.970 50
7477_book.fm Page 280 Tuesday, March 13, 2007 3:34 PM

25% Compound Interest Factors 25%

6 3.815 0.2621 0.0888 0.3388 11.259 2.951 1.868 5.514 6

7 4.768 0.2097 0.0663 0.3163 15.073 3.161 2.142 6.773 7
8 5.960 0.1678 0.0504 0.3004 19.842 3.329 2.387 7.947 8
9 7.451 0.1342 0.0388 0.2888 25.802 3.463 2.605 9.021 9
10 9.313 0.1074 0.0301 0.2801 33.253 3.571 2.797 9.987 10

11 11.642 0.0859 0.0235 0.2735 42.566 3.656 2.966 10.846 11

12 14.552 0.0687 0.0184 0.2684 54.208 3.725 3.115 11.602 12
13 18.190 0.0550 0.0145 0.2645 68.760 3.780 3.244 12.262 13
14 22.737 0.0440 0.0115 0.2615 86.949 3.824 3.356 12.833 14
15 28.422 0.0352 0.0091 0.2591 109.687 3.859 3.453 13.326 15

16 35.527 0.0281 0.0072 0.2572 138.109 3.887 3.537 13.748 16

17 44.409 0.0225 0.0058 0.2558 173.636 3.910 3.608 14.108 17
18 55.511 0.0180 0.0046 0.2546 218.045 3.928 3.670 14.415 18
19 69.389 0.0144 0.0037 0.2537 273.556 3.942 3.722 14.674 19
20 86.736 0.0115 0.0029 0.2529 342.945 3.954 3.767 14.893 20

21 108.420 0.0092 0.0023 0.2523 429.681 3.963 3.805 15.078 21

22 135.525 0.0074 0.0019 0.2519 538.101 3.970 3.836 15.233 22
23 169.407 0.0059 0.0015 0.2515 673.626 3.976 3.863 15.362 23
24 211.758 0.0047 0.0012 0.2512 843.033 3.981 3.886 15.471 24
25 264.698 0.0038 0.0009 0.2509 1054.791 3.985 3.905 15.562 25

26 330.872 0.0030 0.0008 0.2508 1319.489 3.988 3.921 15.637 26

27 413.590 0.0024 0.0006 0.2506 1650.361 3.990 3.935 15.700 27
28 516.988 0.0019 0.0005 0.2505 2063.952 3.992 3.946 15.752 28
29 646.235 0.0015 0.0004 0.2504 2580.939 3.994 3.955 15.796 29
30 807.794 0.0012 0.0003 0.2503 3227.174 3.995 3.963 15.832 30

31 1009.742 0.0010 0.0002 0.2502 4034.968 3.996 3.969 15.861 31

32 1262.177 0.0008 0.0002 0.2502 5044.710 3.997 3.975 15.886 32
33 1577.722 0.0006 0.0002 0.2502 6306.887 3.997 3.979 15.906 33
34 1972.152 0.0005 0.0001 0.2501 7884.609 3.998 3.983 15.923 34
35 2465.190 0.0004 0.0001 0.2501 9856.761 3.998 3.986 15.937 35

36 3081.488 0.0003 0.0001 0.2501 12321.952 3.999 3.988 15.948 36

37 3851.860 0.0003 0.0001 0.2501 15403.440 3.999 3.990 15.957 37
38 4814.825 0.0002 0.0001 0.2501 19255.299 3.999 3.992 15.965 38
39 6018.531 0.0002 0.0000 0.2500 24070.124 3.999 3.994 15.971 39
40 7523.164 0.0001 0.0000 0.2500 30088.655 3.999 3.995 15.977 40

41 9403.955 0.0001 0.0000 0.2500 37611.819 4.000 3.996 15.981 41

42 11754.944 0.0001 0.0000 0.2500 47015.774 4.000 3.996 15.984 42
43 14693.679 0.0001 0.0000 0.2500 58770.718 4.000 3.997 15.987 43
44 18367.099 0.0001 0.0000 0.2500 73464.397 4.000 3.998 15.990 44
45 22958.874 0.0000 0.0000 0.2500 91831.496 4.000 3.998 15.991 45

46 28698.593 0.0000 0.0000 0.2500 114790.370 4.000 3.998 15.993 46

47 35873.241 0.0000 0.0000 0.2500 143488.963 4.000 3.999 15.994 47
48 44841.551 0.0000 0.0000 0.2500 179362.203 4.000 3.999 15.995 48
49 56051.939 0.0000 0.0000 0.2500 224203.754 4.000 3.999 15.996 49
50 70064.923 0.0000 0.0000 0.2500 280255.693 4.000 3.999 15.997 50
7477_book.fm Page 281 Tuesday, March 13, 2007 3:34 PM

30% Compound Interest Factors 30%

6 4.827 0.2072 0.0784 0.3784 12.756 2.643 1.765 4.666 6

7 6.275 0.1594 0.0569 0.3569 17.583 2.802 2.006 5.622 7
8 8.157 0.1226 0.0419 0.3419 23.858 2.925 2.216 6.480 8
9 10.604 0.0943 0.0312 0.3312 32.015 3.019 2.396 7.234 9
10 13.786 0.0725 0.0235 0.3235 42.619 3.092 2.551 7.887 10

11 17.922 0.0558 0.0177 0.3177 56.405 3.147 2.683 8.445 11

12 23.298 0.0429 0.0135 0.3135 74.327 3.190 2.795 8.917 12
13 30.288 0.0330 0.0102 0.3102 97.625 3.223 2.889 9.314 13
14 39.374 0.0254 0.0078 0.3078 127.913 3.249 2.969 9.644 14
15 51.186 0.0195 0.0060 0.3060 167.286 3.268 3.034 9.917 15

16 66.542 0.0150 0.0046 0.3046 218.472 3.283 3.089 10.143 16

17 86.504 0.0116 0.0035 0.3035 285.014 3.295 3.135 10.328 17
18 112.455 0.0089 0.0027 0.3027 371.518 3.304 3.172 10.479 18
19 146.192 0.0068 0.0021 0.3021 483.973 3.311 3.202 10.602 19
20 190.050 0.0053 0.0016 0.3016 630.165 3.316 3.228 10.702 20

21 247.065 0.0040 0.0012 0.3012 820.215 3.320 3.248 10.783 21

22 321.184 0.0031 0.0009 0.3009 1067.280 3.323 3.265 10.848 22
23 417.539 0.0024 0.0007 0.3007 1388.464 3.325 3.278 10.901 23
24 542.801 0.0018 0.0006 0.3006 1806.003 3.327 3.289 10.943 24
25 705.641 0.0014 0.0004 0.3004 2348.803 3.329 3.298 10.977 25

26 917.333 0.0011 0.0003 0.3003 3054.444 3.330 3.305 11.005 26

27 1192.533 0.0008 0.0003 0.3003 3971.778 3.331 3.311 11.026 27
28 1550.293 0.0006 0.0002 0.3002 5164.311 3.331 3.315 11.044 28
29 2015.381 0.0005 0.0001 0.3001 6714.604 3.332 3.319 11.058 29
30 2619.996 0.0004 0.0001 0.3001 8729.985 3.332 3.322 11.069 30

31 3405.994 0.0003 0.0001 0.3001 11349.981 3.332 3.324 11.078 31

32 4427.793 0.0002 0.0001 0.3001 14755.975 3.333 3.326 11.085 32
33 5756.130 0.0002 0.0001 0.3001 19183.768 3.333 3.328 11.090 33
34 7482.970 0.0001 0.0000 0.3000 24939.899 3.333 3.329 11.094 34
35 9727.860 0.0001 0.0000 0.3000 32422.868 3.333 3.330 11.098 35

36 12646.219 0.0001 0.0000 0.3000 42150.729 3.333 3.330 11.101 36

37 16440.084 0.0001 0.0000 0.3000 54796.947 3.333 3.331 11.103 37
38 21372.109 0.0000 0.0000 0.3000 71237.031 3.333 3.332 11.105 38
39 27783.742 0.0000 0.0000 0.3000 92609.141 3.333 3.332 11.106 39
40 36118.865 0.0000 0.0000 0.3000 120392.883 3.333 3.332 11.107 40

41 46954.524 0.0000 0.0000 0.3000 156511.748 3.333 3.332 11.108 41

42 61040.882 0.0000 0.0000 0.3000 203466.272 3.333 3.333 11.109 42
43 79353.146 0.0000 0.0000 0.3000 264507.153 3.333 3.333 11.109 43
44 103159.090 0.0000 0.0000 0.3000 343860.299 3.333 3.333 11.110 44
45 134106.817 0.0000 0.0000 0.3000 447019.389 3.333 3.333 11.110 45

46 174338.862 0.0000 0.0000 0.3000 581126.206 3.333 3.333 11.110 46

47 226640.520 0.0000 0.0000 0.3000 755465.067 3.333 3.333 11.110 47
48 294632.676 0.0000 0.0000 0.3000 982105.588 3.333 3.333 11.111 48
49 383022.479 0.0000 0.0000 0.3000 1276738.264 3.333 3.333 11.111 49
50 497929.223 0.0000 0.0000 0.3000 1659760.743 3.333 3.333 11.111 50

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