Present Value and Future Value Tables

Present Value and Future Value Tables

1. Present Value and Future Value Tables
Table A-1 Future Value Interest Factors for One Dollar Compounded at k Percent for n Periods: FVIF
k,n= (1 + k)
n
Period 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 20% 24% 25% 30%
1 1.01001.02001.03001.04001.05001.06001.07001.08001.09001.10001.11001.12001.13001.14001.15001.16001.20001.24001.25001.3000
2 1.02011.04041.06091.08161.10251.12361.14491.16641.18811.21001.23211.25441.27691.29961.32251.34561.44001.53761.56251.6900
3 1.03031.06121.09271.12491.15761.19101.22501.25971.29501.33101.36761.40491.44291.48151.52091.56091.72801.90661.95312.1970
4 1.04061.08241.12551.16991.21551.26251.31081.36051.41161.46411.51811.57351.63051.68901.74901.81062.07362.36422.44142.8561
5 1.05101.10411.15931.21671.27631.33821.40261.46931.53861.61051.68511.76231.84241.92542.01142.10032.48832.93163.05183.7129
6 1.06151.12621.19411.26531.34011.41851.50071.58691.67711.77161.87041.97382.08202.19502.31312.43642.98603.63523.81474.8268
7 1.07211.14871.22991.31591.40711.50361.60581.71381.82801.94872.07622.21072.35262.50232.66002.82623.58324.50774.76846.2749
8 1.08291.17171.26681.36861.47751.59381.71821.85091.99262.14362.30452.47602.65842.85263.05903.27844.29985.58955.96058.1573
9 1.09371.19511.30481.42331.55131.68951.83851.99902.17192.35792.55802.77313.00403.25193.51793.80305.15986.93107.450610.604
10 1.10461.21901.34391.48021.62891.79081.96722.15892.36742.59372.83943.10583.39463.70724.04564.41146.19178.59449.313213.786
11 1.11571.24341.38421.53951.71031.89832.10492.33162.58042.85313.15183.47853.83594.22624.65245.11737.430110.65711.64217.922
12 1.12681.26821.42581.60101.79592.01222.25222.51822.81273.13843.49853.89604.33454.81795.35035.93608.916113.21514.55223.298
13 1.13811.29361.46851.66511.88562.13292.40982.71963.06583.45233.88334.36354.89805.49246.15286.885810.69916.38618.19030.288
14 1.14951.31951.51261.73171.97992.26092.57852.93723.34173.79754.31044.88715.53486.26137.07577.987512.83920.31922.73739.374
15 1.16101.34591.55801.80092.07892.39662.75903.17223.64254.17724.78465.47366.25437.13798.13719.265515.40725.19628.42251.186
16 1.17261.37281.60471.87302.18292.54042.95223.42593.97034.59505.31096.13047.06738.13729.357610.74818.48831.24335.52766.542
17 1.18431.40021.65281.94792.29202.69283.15883.70004.32765.05455.89516.86607.98619.276510.76112.46822.18638.74144.40986.504
18 1.19611.42821.70242.02582.40662.85433.37993.99604.71715.55996.54367.69009.024310.57512.37514.46326.62348.03955.511112.455
19 1.20811.45681.75352.10682.52703.02563.61654.31575.14176.11597.26338.612810.19712.05614.23216.77731.94859.56869.389146.192
20 1.22021.48591.80612.19112.65333.20713.86974.66105.60446.72758.06239.646311.52313.74316.36719.46138.33873.86486.736190.050
21 1.23241.51571.86032.27882.78603.39964.14065.03386.10887.40028.949210.80413.02115.66818.82222.57446.00591.592108.420247.065
22 1.24471.54601.91612.36992.92533.60354.43045.43656.65868.14039.933612.10014.71417.86121.64526.18655.206113.574135.525321.184
23 1.25721.57691.97362.46473.07153.81974.74055.87157.25798.954311.02613.55216.62720.36224.89130.37666.247140.831169.407417.539
24 1.26971.60842.03282.56333.22514.04895.07246.34127.91119.849712.23915.17918.78823.21228.62535.23679.497174.631211.758542.801
25 1.28241.64062.09382.66583.38644.29195.42746.84858.623110.83513.58517.00021.23126.46232.91940.87495.396216.542264.698705.641
30 1.34781.81142.42733.24344.32195.74357.612310.06313.26817.44922.89229.96039.11650.95066.21285.850237.376634.820807.794 *
35 1.41661.99992.81393.94615.51607.686110.67714.78520.41428.10238.57552.80072.06998.100133.176180.314590.668 * * *
36 1.43082.03992.89834.10395.79188.147311.42415.96822.25130.91342.81859.13681.437111.834153.152209.164708.802 * * *
40 1.48892.20803.26204.80107.040010.28614.97421.72531.40945.25965.00193.051132.782188.884267.864378.721 * * * *
50 1.64462.69164.38397.106711.46718.42029.45746.90274.358117.391184.565289.002450.736700.233 * * * * * *
Table A-2 Future Value Interest Factors for a One-Dollar Annuity Compouned at k Percent for n Periods: FVIFA
k,n= [(1 + k)
n
- 1 ] / k
Period 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 20% 24% 25% 30%
1 1.00001.02001.03001.04001.05001.06001.07001.08001.09001.10001.11001.12001.13001.14001.15001.16001.20001.24001.25001.3000
2 2.01002.02002.03002.04002.05002.06002.07002.08002.09002.10002.11002.12002.13002.14002.15002.16002.20002.24002.25002.3000
3 3.03013.06043.09093.12163.15253.18363.21493.24643.27813.31003.34213.37443.40693.43963.47253.50563.64003.77763.81253.9900
4 4.06044.12164.18364.24654.31014.37464.43994.50614.57314.64104.70974.77934.84984.92114.99345.06655.36805.68425.76566.1870
5 5.10105.20405.30915.41635.52565.63715.75075.86665.98476.10516.22786.35286.48036.61016.74246.87717.44168.04848.20709.0431
6 6.15206.30816.46846.63306.80196.97537.15337.33597.52337.71567.91298.11528.32278.53558.75378.97759.929910.98011.25912.756
7 7.21357.43437.66257.89838.14208.39388.65408.92289.20049.48729.783310.08910.40510.73011.06711.41412.91614.61515.07317.583
8 8.28578.58308.89239.21429.54919.897510.26010.63711.02811.43611.85912.30012.75713.23313.72714.24016.49919.12319.84223.858
9 9.36859.754610.15910.58311.02711.49111.97812.48813.02113.57914.16414.77615.41616.08516.78617.51920.79924.71225.80232.015
10 10.46210.95011.46412.00612.57813.18113.81614.48715.19315.93716.72217.54918.42019.33720.30421.32125.95931.64333.25342.619
11 11.56712.16912.80813.48614.20714.97215.78416.64517.56018.53119.56120.65521.81423.04524.34925.73332.15040.23842.56656.405
12 12.68313.41214.19215.02615.91716.87017.88818.97720.14121.38422.71324.13325.65027.27129.00230.85039.58150.89554.20874.327
13 13.80914.68015.61816.62717.71318.88220.14121.49522.95324.52326.21228.02929.98532.08934.35236.78648.49764.11068.76097.625
14 14.94715.97417.08618.29219.59921.01522.55024.21526.01927.97530.09532.39334.88337.58140.50543.67259.19680.49686.949127.913
15 16.09717.29318.59920.02421.57923.27625.12927.15229.36131.77234.40537.28040.41743.84247.58051.66072.035100.815109.687167.286
16 17.25818.63920.15721.82523.65725.67327.88830.32433.00335.95039.19042.75346.67250.98055.71760.92587.442126.011138.109218.472
17 18.43020.01221.76223.69825.84028.21330.84033.75036.97440.54544.50148.88453.73959.11865.07571.673105.931157.253173.636285.014
18 19.61521.41223.41425.64528.13230.90633.99937.45041.30145.59950.39655.75061.72568.39475.83684.141128.117195.994218.045371.518
19 20.81122.84125.11727.67130.53933.76037.37941.44646.01851.15956.93963.44070.74978.96988.21298.603154.740244.033273.556483.973
20 22.01924.29726.87029.77833.06636.78640.99545.76251.16057.27564.20372.05280.94791.025102.444115.380186.688303.601342.945630.165
21 23.23925.78328.67631.96935.71939.99344.86550.42356.76564.00272.26581.69992.470104.768118.810134.841225.026377.465429.681820.215
22 24.47227.29930.53734.24838.50543.39249.00655.45762.87371.40381.21492.503105.491120.436137.632157.415271.031469.056538.101 *
23 25.71628.84532.45336.61841.43046.99653.43660.89369.53279.54391.148104.603120.205138.297159.276183.601326.237582.630673.626 *
24 26.97330.42234.42639.08344.50250.81658.17766.76576.79088.497102.174118.155136.831158.659184.168213.978392.484723.461843.033 *
25 28.24332.03036.45941.64647.72754.86563.24973.10684.70198.347114.413133.334155.620181.871212.793249.214471.981898.092 * *
30 34.78540.56847.57556.08566.43979.05894.461113.283136.308164.494199.021241.333293.199356.787434.745530.312 * * * *
35 41.66049.99460.46273.65290.320111.435138.237172.317215.711271.024341.590431.663546.681693.573881.170 * * * * *
36 43.07751.99463.27677.59895.836119.121148.913187.102236.125299.127380.164484.463618.749791.673 * * * * * *
40 48.88660.40275.40195.026120.800154.762199.635259.057337.882442.593581.826767.091 * * * * * * * *
50 64.46384.579112.797152.667209.348290.336406.529573.770815.084 * * * * * * * * * * *

2. Present Value and Future Value Tables
Table A-3 Present Value Interest Factors for One Dollar Discounted at k Percent for n Periods: PVIF
k,n= 1 / (1 + k)
n
Period 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 20% 24% 25% 30%
1 0.99010.98040.97090.96150.95240.94340.93460.92590.91740.90910.90090.89290.88500.87720.86960.86210.83330.80650.80000.7692
2 0.98030.96120.94260.92460.90700.89000.87340.85730.84170.82640.81160.79720.78310.76950.75610.74320.69440.65040.64000.5917
3 0.97060.94230.91510.88900.86380.83960.81630.79380.77220.75130.73120.71180.69310.67500.65750.64070.57870.52450.51200.4552
4 0.96100.92380.88850.85480.82270.79210.76290.73500.70840.68300.65870.63550.61330.59210.57180.55230.48230.42300.40960.3501
5 0.95150.90570.86260.82190.78350.74730.71300.68060.64990.62090.59350.56740.54280.51940.49720.47610.40190.34110.32770.2693
6 0.94200.88800.83750.79030.74620.70500.66630.63020.59630.56450.53460.50660.48030.45560.43230.41040.33490.27510.26210.2072
7 0.93270.87060.81310.75990.71070.66510.62270.58350.54700.51320.48170.45230.42510.39960.37590.35380.27910.22180.20970.1594
8 0.92350.85350.78940.73070.67680.62740.58200.54030.50190.46650.43390.40390.37620.35060.32690.30500.23260.17890.16780.1226
9 0.91430.83680.76640.70260.64460.59190.54390.50020.46040.42410.39090.36060.33290.30750.28430.26300.19380.14430.13420.0943
10 0.90530.82030.74410.67560.61390.55840.50830.46320.42240.38550.35220.32200.29460.26970.24720.22670.16150.11640.10740.0725
11 0.89630.80430.72240.64960.58470.52680.47510.42890.38750.35050.31730.28750.26070.23660.21490.19540.13460.09380.08590.0558
12 0.88740.78850.70140.62460.55680.49700.44400.39710.35550.31860.28580.25670.23070.20760.18690.16850.11220.07570.06870.0429
13 0.87870.77300.68100.60060.53030.46880.41500.36770.32620.28970.25750.22920.20420.18210.16250.14520.09350.06100.05500.0330
14 0.87000.75790.66110.57750.50510.44230.38780.34050.29920.26330.23200.20460.18070.15970.14130.12520.07790.04920.04400.0254
15 0.86130.74300.64190.55530.48100.41730.36240.31520.27450.23940.20900.18270.15990.14010.12290.10790.06490.03970.03520.0195
16 0.85280.72840.62320.53390.45810.39360.33870.29190.25190.21760.18830.16310.14150.12290.10690.09300.05410.03200.02810.0150
17 0.84440.71420.60500.51340.43630.37140.31660.27030.23110.19780.16960.14560.12520.10780.09290.08020.04510.02580.02250.0116
18 0.83600.70020.58740.49360.41550.35030.29590.25020.21200.17990.15280.13000.11080.09460.08080.06910.03760.02080.01800.0089
19 0.82770.68640.57030.47460.39570.33050.27650.23170.19450.16350.13770.11610.09810.08290.07030.05960.03130.01680.01440.0068
20 0.81950.67300.55370.45640.37690.31180.25840.21450.17840.14860.12400.10370.08680.07280.06110.05140.02610.01350.01150.0053
21 0.81140.65980.53750.43880.35890.29420.24150.19870.16370.13510.11170.09260.07680.06380.05310.04430.02170.01090.00920.0040
22 0.80340.64680.52190.42200.34180.27750.22570.18390.15020.12280.10070.08260.06800.05600.04620.03820.01810.00880.00740.0031
23 0.79540.63420.50670.40570.32560.26180.21090.17030.13780.11170.09070.07380.06010.04910.04020.03290.01510.00710.00590.0024
24 0.78760.62170.49190.39010.31010.24700.19710.15770.12640.10150.08170.06590.05320.04310.03490.02840.01260.00570.00470.0018
25 0.77980.60950.47760.37510.29530.23300.18420.14600.11600.09230.07360.05880.04710.03780.03040.02450.01050.00460.00380.0014
30 0.74190.55210.41200.30830.23140.17410.13140.09940.07540.05730.04370.03340.02560.01960.01510.01160.00420.00160.0012 *
35 0.70590.50000.35540.25340.18130.13010.09370.06760.04900.03560.02590.01890.01390.01020.00750.00550.00170.0005 * *
36 0.69890.49020.34500.24370.17270.12270.08750.06260.04490.03230.02340.01690.01230.00890.00650.00480.0014 * * *
40 0.67170.45290.30660.20830.14200.09720.06680.04600.03180.02210.01540.01070.00750.00530.00370.00260.0007 * * *
50 0.60800.37150.22810.14070.08720.05430.03390.02130.01340.00850.00540.00350.00220.00140.00090.0006 * * * *
Table A-4 Present Value Interest Factors for a One-Dollar Annuity Discounted at k Percent for n Periods: PVIFA = [1 - 1/(1 + k)
n
] / k
Period 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 20% 24% 25% 30%
1 0.99010.98040.97090.96150.95240.94340.93460.92590.91740.90910.90090.89290.88500.87720.86960.86210.83330.80650.80000.7692
2 1.97041.94161.91351.88611.85941.83341.80801.78331.75911.73551.71251.69011.66811.64671.62571.60521.52781.45681.44001.3609
3 2.94102.88392.82862.77512.72322.67302.62432.57712.53132.48692.44372.40182.36122.32162.28322.24592.10651.98131.95201.8161
4 3.90203.80773.71713.62993.54603.46513.38723.31213.23973.16993.10243.03732.97452.91372.85502.79822.58872.40432.36162.1662
5 4.85344.71354.57974.45184.32954.21244.10023.99273.88973.79083.69593.60483.51723.43313.35223.27432.99062.74542.68932.4356
6 5.79555.60145.41725.24215.07574.91734.76654.62294.48594.35534.23054.11143.99753.88873.78453.68473.32553.02052.95142.6427
7 6.72826.47206.23036.00215.78645.58245.38935.20645.03304.86844.71224.56384.42264.28834.16044.03863.60463.24233.16112.8021
8 7.65177.32557.01976.73276.46326.20985.97135.74665.53485.33495.14614.96764.79884.63894.48734.34363.83723.42123.32892.9247
9 8.56608.16227.78617.43537.10786.80176.51526.24695.99525.75905.53705.32825.13174.94644.77164.60654.03103.56553.46313.0190
10 9.47138.98268.53028.11097.72177.36017.02366.71016.41776.14465.88925.65025.42625.21615.01884.83324.19253.68193.57053.0915
11 10.3689.78689.25268.76058.30647.88697.49877.13906.80526.49516.20655.93775.68695.45275.23375.02864.32713.77573.65643.1473
12 11.25510.5759.95409.38518.86338.38387.94277.53617.16076.81376.49246.19445.91765.66035.42065.19714.43923.85143.72513.1903
13 12.13411.34810.6359.98569.39368.85278.35777.90387.48697.10346.74996.42356.12185.84245.58315.34234.53273.91243.78013.2233
14 13.00412.10611.29610.5639.89869.29508.74558.24427.78627.36676.98196.62826.30256.00215.72455.46754.61063.96163.82413.2487
15 13.86512.84911.93811.11810.3809.71229.10798.55958.06077.60617.19096.81096.46246.14225.84745.57554.67554.00133.85933.2682
16 14.71813.57812.56111.65210.83810.1069.44668.85148.31267.82377.37926.97406.60396.26515.95425.66854.72964.03333.88743.2832
17 15.56214.29213.16612.16611.27410.4779.76329.12168.54368.02167.54887.11966.72916.37296.04725.74874.77464.05913.90993.2948
18 16.39814.99213.75412.65911.69010.82810.0599.37198.75568.20147.70167.24976.83996.46746.12805.81784.81224.07993.92793.3037
19 17.22615.67814.32413.13412.08511.15810.3369.60368.95018.36497.83937.36586.93806.55046.19825.87754.84354.09673.94243.3105
20 18.04616.35114.87713.59012.46211.47010.5949.81819.12858.51367.96337.46947.02486.62316.25935.92884.86964.11033.95393.3158
21 18.85717.01115.41514.02912.82111.76410.83610.0179.29228.64878.07517.56207.10166.68706.31255.97314.89134.12123.96313.3198
22 19.66017.65815.93714.45113.16312.04211.06110.2019.44248.77158.17577.64467.16956.74296.35876.01134.90944.13003.97053.3230
23 20.45618.29216.44414.85713.48912.30311.27210.3719.58028.88328.26647.71847.22976.79216.39886.04424.92454.13713.97643.3254
24 21.24318.91416.93615.24713.79912.55011.46910.5299.70668.98478.34817.78437.28296.83516.43386.07264.93714.14283.98113.3272
25 22.02319.52317.41315.62214.09412.78311.65410.6759.82269.07708.42177.84317.33006.87296.46416.09714.94764.14743.98493.3286
30 25.80822.39619.60017.29215.37213.76512.40911.25810.2749.42698.69388.05527.49577.00276.56606.17724.97894.16013.99503.3321
35 29.40924.99921.48718.66516.37414.49812.94811.65510.5679.64428.85528.17557.58567.07006.61666.21534.99154.16443.99843.3330
36 30.10825.48921.83218.90816.54714.62113.03511.71710.6129.67658.87868.19247.59797.07906.62316.22014.99294.16493.99873.3331
40 32.83527.35523.11519.79317.15915.04613.33211.92510.7579.77918.95118.24387.63447.10506.64186.23354.99664.16593.99953.3332
50 39.19631.42425.73021.48218.25615.76213.80112.23310.9629.91489.04178.30457.67527.13276.66056.24634.99954.16663.99993.3333