Present Value of a $1

1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 15% 20%

1 0.9901 0.9804 0.9709 0.9615 0.9524 0.9434 0.9346 0.9259 0.9174 0.9091 0.8696 0.8333
2 0.9803 0.9612 0.9426 0.9246 0.9070 0.8900 0.8734 0.8573 0.8417 0.8264 0.7561 0.6944
3 0.9706 0.9423 0.9151 0.8890 0.8638 0.8396 0.8163 0.7938 0.7722 0.7513 0.6575 0.5787
4 0.9610 0.9238 0.8885 0.8548 0.8227 0.7921 0.7629 0.7350 0.7084 0.6830 0.5718 0.4823
5 0.9515 0.9057 0.8626 0.8219 0.7835 0.7473 0.7130 0.6806 0.6499 0.6209 0.4972 0.4019
6 0.9420 0.8880 0.8375 0.7903 0.7462 0.7050 0.6663 0.6302 0.5963 0.5645 0.4323 0.3349
7 0.9327 0.8706 0.8131 0.7599 0.7107 0.6651 0.6227 0.5835 0.5470 0.5132 0.3759 0.2791
8 0.9235 0.8535 0.7894 0.7307 0.6768 0.6274 0.5820 0.5403 0.5019 0.4665 0.3269 0.2326
9 0.9143 0.8368 0.7664 0.7026 0.6446 0.5919 0.5439 0.5002 0.4604 0.4241 0.2843 0.1938
10 0.9053 0.8203 0.7441 0.6756 0.6139 0.5584 0.5083 0.4632 0.4224 0.3855 0.2472 0.1615
11 0.8963 0.8043 0.7224 0.6496 0.5847 0.5268 0.4751 0.4289 0.3875 0.3505 0.2149 0.1346
12 0.8874 0.7885 0.7014 0.6246 0.5568 0.4970 0.4440 0.3971 0.3555 0.3186 0.1869 0.1122
13 0.8787 0.7730 0.6810 0.6006 0.5303 0.4688 0.4150 0.3677 0.3262 0.2897 0.1625 0.0935
14 0.8700 0.7579 0.6611 0.5775 0.5051 0.4423 0.3878 0.3405 0.2992 0.2633 0.1413 0.0779
15 0.8613 0.7430 0.6419 0.5553 0.4810 0.4173 0.3624 0.3152 0.2745 0.2394 0.1229 0.0649
16 0.8528 0.7284 0.6232 0.5339 0.4581 0.3936 0.3387 0.2919 0.2519 0.2176 0.1069 0.0541
17 0.8444 0.7142 0.6050 0.5134 0.4363 0.3714 0.3166 0.2703 0.2311 0.1978 0.0929 0.0451
18 0.8360 0.7002 0.5874 0.4936 0.4155 0.3503 0.2959 0.2502 0.2120 0.1799 0.0808 0.0376
19 0.8277 0.6864 0.5703 0.4746 0.3957 0.3305 0.2765 0.2317 0.1945 0.1635 0.0703 0.0313
20 0.8195 0.6730 0.5537 0.4564 0.3769 0.3118 0.2584 0.2145 0.1784 0.1486 0.0611 0.0261

Future Value of a $1
1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 15% 20%
1 1.0100 1.0200 1.0300 1.0400 1.0500 1.0600 1.0700 1.0800 1.0900 1.1000 1.1500 1.2000
2 1.0201 1.0404 1.0609 1.0816 1.1025 1.1236 1.1449 1.1664 1.1881 1.2100 1.3225 1.4400
3 1.0303 1.0612 1.0927 1.1249 1.1576 1.1910 1.2250 1.2597 1.2950 1.3310 1.5209 1.7280
4 1.0406 1.0824 1.1255 1.1699 1.2155 1.2625 1.3108 1.3605 1.4116 1.4641 1.7490 2.0736
5 1.0510 1.1041 1.1593 1.2167 1.2763 1.3382 1.4026 1.4693 1.5386 1.6105 2.0114 2.4883
6 1.0615 1.1262 1.1941 1.2653 1.3401 1.4185 1.5007 1.5869 1.6771 1.7716 2.3131 2.9860
7 1.0721 1.1487 1.2299 1.3159 1.4071 1.5036 1.6058 1.7138 1.8280 1.9487 2.6600 3.5832
8 1.0829 1.1717 1.2668 1.3686 1.4775 1.5938 1.7182 1.8509 1.9926 2.1436 3.0590 4.2998
9 1.0937 1.1951 1.3048 1.4233 1.5513 1.6895 1.8385 1.9990 2.1719 2.3579 3.5179 5.1598
10 1.1046 1.2190 1.3439 1.4802 1.6289 1.7908 1.9672 2.1589 2.3674 2.5937 4.0456 6.1917
11 1.1157 1.2434 1.3842 1.5395 1.7103 1.8983 2.1049 2.3316 2.5804 2.8531 4.6524 7.4301
12 1.1268 1.2682 1.4258 1.6010 1.7959 2.0122 2.2522 2.5182 2.8127 3.1384 5.3503 8.9161
13 1.1381 1.2936 1.4685 1.6651 1.8856 2.1329 2.4098 2.7196 3.0658 3.4523 6.1528 10.6993
14 1.1495 1.3195 1.5126 1.7317 1.9799 2.2609 2.5785 2.9372 3.3417 3.7975 7.0757 12.8392
15 1.1610 1.3459 1.5580 1.8009 2.0789 2.3966 2.7590 3.1722 3.6425 4.1772 8.1371 15.4070
16 1.1726 1.3728 1.6047 1.8730 2.1829 2.5404 2.9522 3.4259 3.9703 4.5950 9.3576 18.4884
17 1.1843 1.4002 1.6528 1.9479 2.2920 2.6928 3.1588 3.7000 4.3276 5.0545 10.7613 22.1861
18 1.1961 1.4282 1.7024 2.0258 2.4066 2.8543 3.3799 3.9960 4.7171 5.5599 12.3755 26.6233
19 1.2081 1.4568 1.7535 2.1068 2.5270 3.0256 3.6165 4.3157 5.1417 6.1159 14.2318 31.9480
20 1.2202 1.4859 1.8061 2.1911 2.6533 3.2071 3.8697 4.6610 5.6044 6.7275 16.3665 38.3376
 Present Value of an Annuity
1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 15% 20%
1 0.9901 0.9804 0.9709 0.9615 0.9524 0.9434 0.9346 0.9259 0.9174 0.9091 0.8696 0.8333
2 1.9704 1.9416 1.9135 1.8861 1.8594 1.8334 1.8080 1.7833 1.7591 1.7355 1.6257 1.5278
3 2.9410 2.8839 2.8286 2.7751 2.7232 2.6730 2.6243 2.5771 2.5313 2.4869 2.2832 2.1065
4 3.9020 3.8077 3.7171 3.6299 3.5460 3.4651 3.3872 3.3121 3.2397 3.1699 2.8550 2.5887
5 4.8534 4.7135 4.5797 4.4518 4.3295 4.2124 4.1002 3.9927 3.8897 3.7908 3.3522 2.9906
6 5.7955 5.6014 5.4172 5.2421 5.0757 4.9173 4.7665 4.6229 4.4859 4.3553 3.7845 3.3255
7 6.7282 6.4720 6.2303 6.0021 5.7864 5.5824 5.3893 5.2064 5.0330 4.8684 4.1604 3.6046
8 7.6517 7.3255 7.0197 6.7327 6.4632 6.2098 5.9713 5.7466 5.5348 5.3349 4.4873 3.8372
9 8.5660 8.1622 7.7861 7.4353 7.1078 6.8017 6.5152 6.2469 5.9952 5.7590 4.7716 4.0310
10 9.4713 8.9826 8.5302 8.1109 7.7217 7.3601 7.0236 6.7101 6.4177 6.1446 5.0188 4.1925
11 10.3676 9.7868 9.2526 8.7605 8.3064 7.8869 7.4987 7.1390 6.8052 6.4951 5.2337 4.3271
12 11.2551 10.5753 9.9540 9.3851 8.8633 8.3838 7.9427 7.5361 7.1607 6.8137 5.4206 4.4392
13 12.1337 11.3484 10.6350 9.9856 9.3936 8.8527 8.3577 7.9038 7.4869 7.1034 5.5831 4.5327
14 13.0037 12.1062 11.2961 10.5631 9.8986 9.2950 8.7455 8.2442 7.7862 7.3667 5.7245 4.6106
15 13.8651 12.8493 11.9379 11.1184 10.3797 9.7122 9.1079 8.5595 8.0607 7.6061 5.8474 4.6755
16 14.7179 13.5777 12.5611 11.6523 10.8378 10.1059 9.4466 8.8514 8.3126 7.8237 5.9542 4.7296
17 15.5623 14.2919 13.1661 12.1657 11.2741 10.4773 9.7632 9.1216 8.5436 8.0216 6.0472 4.7746
18 16.3983 14.9920 13.7535 12.6593 11.6896 10.8276 10.0591 9.3719 8.7556 8.2014 6.1280 4.8122
19 17.2260 15.6785 14.3238 13.1339 12.0853 11.1581 10.3356 9.6036 8.9501 8.3649 6.1982 4.8435
20 18.0456 16.3514 14.8775 13.5903 12.4622 11.4699 10.5940 9.8181 9.1285 8.5136 6.2593 4.8696

Future Value of an Annuity

1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 15% 20%
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 2.0100 2.0200 2.0300 2.0400 2.0500 2.0600 2.0700 2.0800 2.0900 2.1000 2.1500 2.2000
3 3.0301 3.0604 3.0909 3.1216 3.1525 3.1836 3.2149 3.2464 3.2781 3.3100 3.4725 3.6400
4 4.0604 4.1216 4.1836 4.2465 4.3101 4.3746 4.4399 4.5061 4.5731 4.6410 4.9934 5.3680
5 5.1010 5.2040 5.3091 5.4163 5.5256 5.6371 5.7507 5.8666 5.9847 6.1051 6.7424 7.4416
6 6.1520 6.3081 6.4684 6.6330 6.8019 6.9753 7.1533 7.3359 7.5233 7.7156 8.7537 9.9299
7 7.2135 7.4343 7.6625 7.8983 8.1420 8.3938 8.6540 8.9228 9.2004 9.4872 11.0668 12.9159
8 8.2857 8.5830 8.8923 9.2142 9.5491 9.8975 10.2598 10.6366 11.0285 11.4359 13.7268 16.4991
9 9.3685 9.7546 10.1591 10.5828 11.0266 11.4913 11.9780 12.4876 13.0210 13.5795 16.7858 20.7989
10 10.4622 10.9497 11.4639 12.0061 12.5779 13.1808 13.8164 14.4866 15.1929 15.9374 20.3037 25.9587
11 11.5668 12.1687 12.8078 13.4864 14.2068 14.9716 15.7836 16.6455 17.5603 18.5312 24.3493 32.1504
12 12.6825 13.4121 14.1920 15.0258 15.9171 16.8699 17.8885 18.9771 20.1407 21.3843 29.0017 39.5805
13 13.8093 14.6803 15.6178 16.6268 17.7130 18.8821 20.1406 21.4953 22.9534 24.5227 34.3519 48.4966
14 14.9474 15.9739 17.0863 18.2919 19.5986 21.0151 22.5505 24.2149 26.0192 27.9750 40.5047 59.1959
15 16.0969 17.2934 18.5989 20.0236 21.5786 23.2760 25.1290 27.1521 29.3609 31.7725 47.5804 72.0351
16 17.2579 18.6393 20.1569 21.8245 23.6575 25.6725 27.8881 30.3243 33.0034 35.9497 55.7175 87.4421
17 18.4304 20.0121 21.7616 23.6975 25.8404 28.2129 30.8402 33.7502 36.9737 40.5447 65.0751 105.9306
18 19.6147 21.4123 23.4144 25.6454 28.1324 30.9057 33.9990 37.4502 41.3013 45.5992 75.8364 128.1167
19 20.8109 22.8406 25.1169 27.6712 30.5390 33.7600 37.3790 41.4463 46.0185 51.1591 88.2118 154.7400
20 22.0190 24.2974 26.8704 29.7781 33.0660 36.7856 40.9955 45.7620 51.1601 57.2750 102.4436 186.6880
 Present Value of an Annuity Due
1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 15% 20%
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 1.9901 1.9804 1.9709 1.9615 1.9524 1.9434 1.9346 1.9259 1.9174 1.9091 1.8696 1.8333
3 2.9704 2.9416 2.9135 2.8861 2.8594 2.8334 2.8080 2.7833 2.7591 2.7355 2.6257 2.5278
4 3.9410 3.8839 3.8286 3.7751 3.7232 3.6730 3.6243 3.5771 3.5313 3.4869 3.2832 3.1065
5 4.9020 4.8077 4.7171 4.6299 4.5460 4.4651 4.3872 4.3121 4.2397 4.1699 3.8550 3.5887
6 5.8534 5.7135 5.5797 5.4518 5.3295 5.2124 5.1002 4.9927 4.8897 4.7908 4.3522 3.9906
7 6.7955 6.6014 6.4172 6.2421 6.0757 5.9173 5.7665 5.6229 5.4859 5.3553 4.7845 4.3255
8 7.7282 7.4720 7.2303 7.0021 6.7864 6.5824 6.3893 6.2064 6.0330 5.8684 5.1604 4.6046
9 8.6517 8.3255 8.0197 7.7327 7.4632 7.2098 6.9713 6.7466 6.5348 6.3349 5.4873 4.8372
10 9.5660 9.1622 8.7861 8.4353 8.1078 7.8017 7.5152 7.2469 6.9952 6.7590 5.7716 5.0310
11 10.4713 9.9826 9.5302 9.1109 8.7217 8.3601 8.0236 7.7101 7.4177 7.1446 6.0188 5.1925
12 11.3676 10.7868 10.2526 9.7605 9.3064 8.8869 8.4987 8.1390 7.8052 7.4951 6.2337 5.3271
13 12.2551 11.5753 10.9540 10.3851 9.8633 9.3838 8.9427 8.5361 8.1607 7.8137 6.4206 5.4392
14 13.1337 12.3484 11.6350 10.9856 10.3936 9.8527 9.3577 8.9038 8.4869 8.1034 6.5831 5.5327
15 14.0037 13.1062 12.2961 11.5631 10.8986 10.2950 9.7455 9.2442 8.7862 8.3667 6.7245 5.6106
16 14.8651 13.8493 12.9379 12.1184 11.3797 10.7122 10.1079 9.5595 9.0607 8.6061 6.8474 5.6755
17 15.7179 14.5777 13.5611 12.6523 11.8378 11.1059 10.4466 9.8514 9.3126 8.8237 6.9542 5.7296
18 16.5623 15.2919 14.1661 13.1657 12.2741 11.4773 10.7632 10.1216 9.5436 9.0216 7.0472 5.7746
19 17.3983 15.9920 14.7535 13.6593 12.6896 11.8276 11.0591 10.3719 9.7556 9.2014 7.1280 5.8122
20 18.2260 16.6785 15.3238 14.1339 13.0853 12.1581 11.3356 10.6036 9.9501 9.3649 7.1982 5.8435

Future Value of an Annuity Due

1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 15% 20%
1 1.0100 1.0200 1.0300 1.0400 1.0500 1.0600 1.0700 1.0800 1.0900 1.1000 1.1500 1.2000
2 2.0301 2.0604 2.0909 2.1216 2.1525 2.1836 2.2149 2.2464 2.2781 2.3100 2.4725 2.6400
3 3.0604 3.1216 3.1836 3.2465 3.3101 3.3746 3.4399 3.5061 3.5731 3.6410 3.9934 4.3680
4 4.1010 4.2040 4.3091 4.4163 4.5256 4.6371 4.7507 4.8666 4.9847 5.1051 5.7424 6.4416
5 5.1520 5.3081 5.4684 5.6330 5.8019 5.9753 6.1533 6.3359 6.5233 6.7156 7.7537 8.9299
6 6.2135 6.4343 6.6625 6.8983 7.1420 7.3938 7.6540 7.9228 8.2004 8.4872 10.0668 11.9159
7 7.2857 7.5830 7.8923 8.2142 8.5491 8.8975 9.2598 9.6366 10.0285 10.4359 12.7268 15.4991
8 8.3685 8.7546 9.1591 9.5828 10.0266 10.4913 10.9780 11.4876 12.0210 12.5795 15.7858 19.7989
9 9.4622 9.9497 10.4639 11.0061 11.5779 12.1808 12.8164 13.4866 14.1929 14.9374 19.3037 24.9587
10 10.5668 11.1687 11.8078 12.4864 13.2068 13.9716 14.7836 15.6455 16.5603 17.5312 23.3493 31.1504
11 11.6825 12.4121 13.1920 14.0258 14.9171 15.8699 16.8885 17.9771 19.1407 20.3843 28.0017 38.5805
12 12.8093 13.6803 14.6178 15.6268 16.7130 17.8821 19.1406 20.4953 21.9534 23.5227 33.3519 47.4966
13 13.9474 14.9739 16.0863 17.2919 18.5986 20.0151 21.5505 23.2149 25.0192 26.9750 39.5047 58.1959
14 15.0969 16.2934 17.5989 19.0236 20.5786 22.2760 24.1290 26.1521 28.3609 30.7725 46.5804 71.0351
15 16.2579 17.6393 19.1569 20.8245 22.6575 24.6725 26.8881 29.3243 32.0034 34.9497 54.7175 86.4421
16 17.4304 19.0121 20.7616 22.6975 24.8404 27.2129 29.8402 32.7502 35.9737 39.5447 64.0751 104.9306
17 18.6147 20.4123 22.4144 24.6454 27.1324 29.9057 32.9990 36.4502 40.3013 44.5992 74.8364 127.1167
18 19.8109 21.8406 24.1169 26.6712 29.5390 32.7600 36.3790 40.4463 45.0185 50.1591 87.2118 153.7400
19 21.0190 23.2974 25.8704 28.7781 32.0660 35.7856 39.9955 44.7620 50.1601 56.2750 101.4436 185.6880
20 22.2392 24.7833 27.6765 30.9692 34.7193 38.9927 43.8652 49.4229 55.7645 63.0025 117.8101 224.0256