Appendix B Time Value of Money
True / False Questions
1.Present Value of 1
Periods3%4%5%6%7%8%9%10%12%
30.91510.88900.86380.83960.81630.79380.77220.75130.7118
40.88850.85480.82270.79210.76290.73500.70840.68300.6355
50.86260.82190.78350.74730.71300.68060.64990.62090.5674
60.83750.79030.74620.70500.66630.63020.59630.56450.5066
70.81310.75990.71070.66510.62270.58350.54700.51320.4523
80.78940.73070.67680.62740.58200.54030.50190.46650.4039
90.76640.70260.64460.59190.54390.50020.46040.42410.3606
100.74410.67560.61390.55840.50830.46320.42240.38550.3220
Future Value of 1
Periods3%4%5%6%7%8%9%10%12%
31.09271.12491.15761.19101.22501.25971.29501.33101.4049
41.12551.16991.21551.26251.31081.36051.41161.46411.5735
51.15931.21671.27631.33821.40261.46931.53861.61051.7623
61.19411.26531.34011.41851.50071.58691.67711.77161.9738
71.22991.31591.40711.50361.60581.71381.82801.94872.2107
81.26681.36861.47751.59381.71821.85091.99262.14362.4760
91.30481.42331.55131.68951.83851.99902.17192.35792.7731
101.34391.48021.62891.79081.96722.15892.36742.59373.1058
Present Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
32.82862.77512.72322.67302.62432.57712.53132.48692.4018
43.71713.62993.54603.46513.38723.31213.23973.16993.0373
54.57974.45184.32954.21244.10023.99273.88973.79083.6048
65.41725.24215.07574.91734.76654.62294.48594.35534.1114
76.23036.00215.78645.58245.38935.20645.03304.86844.5638
87.01976.73276.46326.20985.97135.74665.53485.33494.9676
97.78617.43537.10786.80176.51526.24695.99525.79505.3282
108.53028.11097.72177.36017.02366.71016.41776.14465.6502
Future Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
33.09093.12163.15253.18363.21493.24643.27813.31003.3744
44.18364.24654.31014.37464.43994.50614.57314.64104.7793
55.30915.41635.52565.63715.75075.86665.98476.10516.3528
66.46846.63306.80196.97537.15337.33597.52337.71568.1152
77.66257.89838.14208.39388.65408.92289.20049.487210.089
88.89239.21429.54919.897510.26010.63711.02911.43612.300
910.15910.58311.02711.49111.97812.48813.02113.58014.776
1011.46412.00612.57813.18113.81614.48715.19315.93717.549
Interest is the borrower’s payment to the owner of an asset for its use.
2.Present Value of 1
Periods3%4%5%6%7%8%9%10%12%
30.91510.88900.86380.83960.81630.79380.77220.75130.7118
40.88850.85480.82270.79210.76290.73500.70840.68300.6355
50.86260.82190.78350.74730.71300.68060.64990.62090.5674
60.83750.79030.74620.70500.66630.63020.59630.56450.5066
70.81310.75990.71070.66510.62270.58350.54700.51320.4523
80.78940.73070.67680.62740.58200.54030.50190.46650.4039
90.76640.70260.64460.59190.54390.50020.46040.42410.3606
100.74410.67560.61390.55840.50830.46320.42240.38550.3220
Future Value of 1
Periods3%4%5%6%7%8%9%10%12%
31.09271.12491.15761.19101.22501.25971.29501.33101.4049
41.12551.16991.21551.26251.31081.36051.41161.46411.5735
51.15931.21671.27631.33821.40261.46931.53861.61051.7623
61.19411.26531.34011.41851.50071.58691.67711.77161.9738
71.22991.31591.40711.50361.60581.71381.82801.94872.2107
81.26681.36861.47751.59381.71821.85091.99262.14362.4760
91.30481.42331.55131.68951.83851.99902.17192.35792.7731
101.34391.48021.62891.79081.96722.15892.36742.59373.1058
Present Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
32.82862.77512.72322.67302.62432.57712.53132.48692.4018
43.71713.62993.54603.46513.38723.31213.23973.16993.0373
54.57974.45184.32954.21244.10023.99273.88973.79083.6048
65.41725.24215.07574.91734.76654.62294.48594.35534.1114
76.23036.00215.78645.58245.38935.20645.03304.86844.5638
87.01976.73276.46326.20985.97135.74665.53485.33494.9676
97.78617.43537.10786.80176.51526.24695.99525.79505.3282
108.53028.11097.72177.36017.02366.71016.41776.14465.6502
Future Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
33.09093.12163.15253.18363.21493.24643.27813.31003.3744
44.18364.24654.31014.37464.43994.50614.57314.64104.7793
55.30915.41635.52565.63715.75075.86665.98476.10516.3528
66.46846.63306.80196.97537.15337.33597.52337.71568.1152
77.66257.89838.14208.39388.65408.92289.20049.487210.089
88.89239.21429.54919.897510.26010.63711.02911.43612.300
910.15910.58311.02711.49111.97812.48813.02113.58014.776
1011.46412.00612.57813.18113.81614.48715.19315.93717.549
From the perspective of an account holder, a savings account is a liability with interest.
3.Present Value of 1
Periods3%4%5%6%7%8%9%10%12%
30.91510.88900.86380.83960.81630.79380.77220.75130.7118
40.88850.85480.82270.79210.76290.73500.70840.68300.6355
50.86260.82190.78350.74730.71300.68060.64990.62090.5674
60.83750.79030.74620.70500.66630.63020.59630.56450.5066
70.81310.75990.71070.66510.62270.58350.54700.51320.4523
80.78940.73070.67680.62740.58200.54030.50190.46650.4039
90.76640.70260.64460.59190.54390.50020.46040.42410.3606
100.74410.67560.61390.55840.50830.46320.42240.38550.3220
Future Value of 1
Periods3%4%5%6%7%8%9%10%12%
31.09271.12491.15761.19101.22501.25971.29501.33101.4049
41.12551.16991.21551.26251.31081.36051.41161.46411.5735
51.15931.21671.27631.33821.40261.46931.53861.61051.7623
61.19411.26531.34011.41851.50071.58691.67711.77161.9738
71.22991.31591.40711.50361.60581.71381.82801.94872.2107
81.26681.36861.47751.59381.71821.85091.99262.14362.4760
91.30481.42331.55131.68951.83851.99902.17192.35792.7731
101.34391.48021.62891.79081.96722.15892.36742.59373.1058
Present Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
32.82862.77512.72322.67302.62432.57712.53132.48692.4018
43.71713.62993.54603.46513.38723.31213.23973.16993.0373
54.57974.45184.32954.21244.10023.99273.88973.79083.6048
65.41725.24215.07574.91734.76654.62294.48594.35534.1114
76.23036.00215.78645.58245.38935.20645.03304.86844.5638
87.01976.73276.46326.20985.97135.74665.53485.33494.9676
97.78617.43537.10786.80176.51526.24695.99525.79505.3282
108.53028.11097.72177.36017.02366.71016.41776.14465.6502
Future Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
33.09093.12163.15253.18363.21493.24643.27813.31003.3744
44.18364.24654.31014.37464.43994.50614.57314.64104.7793
55.30915.41635.52565.63715.75075.86665.98476.10516.3528
66.46846.63306.80196.97537.15337.33597.52337.71568.1152
77.66257.89838.14208.39388.65408.92289.20049.487210.089
88.89239.21429.54919.897510.26010.63711.02911.43612.300
910.15910.58311.02711.49111.97812.48813.02113.58014.776
1011.46412.00612.57813.18113.81614.48715.19315.93717.549
An interest rate is also called a discount rate.
4.Present Value of 1
Periods3%4%5%6%7%8%9%10%12%
30.91510.88900.86380.83960.81630.79380.77220.75130.7118
40.88850.85480.82270.79210.76290.73500.70840.68300.6355
50.86260.82190.78350.74730.71300.68060.64990.62090.5674
60.83750.79030.74620.70500.66630.63020.59630.56450.5066
70.81310.75990.71070.66510.62270.58350.54700.51320.4523
80.78940.73070.67680.62740.58200.54030.50190.46650.4039
90.76640.70260.64460.59190.54390.50020.46040.42410.3606
100.74410.67560.61390.55840.50830.46320.42240.38550.3220
Future Value of 1
Periods3%4%5%6%7%8%9%10%12%
31.09271.12491.15761.19101.22501.25971.29501.33101.4049
41.12551.16991.21551.26251.31081.36051.41161.46411.5735
51.15931.21671.27631.33821.40261.46931.53861.61051.7623
61.19411.26531.34011.41851.50071.58691.67711.77161.9738
71.22991.31591.40711.50361.60581.71381.82801.94872.2107
81.26681.36861.47751.59381.71821.85091.99262.14362.4760
91.30481.42331.55131.68951.83851.99902.17192.35792.7731
101.34391.48021.62891.79081.96722.15892.36742.59373.1058
Present Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
32.82862.77512.72322.67302.62432.57712.53132.48692.4018
43.71713.62993.54603.46513.38723.31213.23973.16993.0373
54.57974.45184.32954.21244.10023.99273.88973.79083.6048
65.41725.24215.07574.91734.76654.62294.48594.35534.1114
76.23036.00215.78645.58245.38935.20645.03304.86844.5638
87.01976.73276.46326.20985.97135.74665.53485.33494.9676
97.78617.43537.10786.80176.51526.24695.99525.79505.3282
108.53028.11097.72177.36017.02366.71016.41776.14465.6502
Future Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
33.09093.12163.15253.18363.21493.24643.27813.31003.3744
44.18364.24654.31014.37464.43994.50614.57314.64104.7793
55.30915.41635.52565.63715.75075.86665.98476.10516.3528
66.46846.63306.80196.97537.15337.33597.52337.71568.1152
77.66257.89838.14208.39388.65408.92289.20049.487210.089
88.89239.21429.54919.897510.26010.63711.02911.43612.300
910.15910.58311.02711.49111.97812.48813.02113.58014.776
1011.46412.00612.57813.18113.81614.48715.19315.93717.549
Present and future value computations enable companies to measure or estimate the interest component of holding assets or liabilities over time.
5.Present Value of 1
Periods3%4%5%6%7%8%9%10%12%
30.91510.88900.86380.83960.81630.79380.77220.75130.7118
40.88850.85480.82270.79210.76290.73500.70840.68300.6355
50.86260.82190.78350.74730.71300.68060.64990.62090.5674
60.83750.79030.74620.70500.66630.63020.59630.56450.5066
70.81310.75990.71070.66510.62270.58350.54700.51320.4523
80.78940.73070.67680.62740.58200.54030.50190.46650.4039
90.76640.70260.64460.59190.54390.50020.46040.42410.3606
100.74410.67560.61390.55840.50830.46320.42240.38550.3220
Future Value of 1
Periods3%4%5%6%7%8%9%10%12%
31.09271.12491.15761.19101.22501.25971.29501.33101.4049
41.12551.16991.21551.26251.31081.36051.41161.46411.5735
51.15931.21671.27631.33821.40261.46931.53861.61051.7623
61.19411.26531.34011.41851.50071.58691.67711.77161.9738
71.22991.31591.40711.50361.60581.71381.82801.94872.2107
81.26681.36861.47751.59381.71821.85091.99262.14362.4760
91.30481.42331.55131.68951.83851.99902.17192.35792.7731
101.34391.48021.62891.79081.96722.15892.36742.59373.1058
Present Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
32.82862.77512.72322.67302.62432.57712.53132.48692.4018
43.71713.62993.54603.46513.38723.31213.23973.16993.0373
54.57974.45184.32954.21244.10023.99273.88973.79083.6048
65.41725.24215.07574.91734.76654.62294.48594.35534.1114
76.23036.00215.78645.58245.38935.20645.03304.86844.5638
87.01976.73276.46326.20985.97135.74665.53485.33494.9676
97.78617.43537.10786.80176.51526.24695.99525.79505.3282
108.53028.11097.72177.36017.02366.71016.41776.14465.6502
Future Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
33.09093.12163.15253.18363.21493.24643.27813.31003.3744
44.18364.24654.31014.37464.43994.50614.57314.64104.7793
55.30915.41635.52565.63715.75075.86665.98476.10516.3528
66.46846.63306.80196.97537.15337.33597.52337.71568.1152
77.66257.89838.14208.39388.65408.92289.20049.487210.089
88.89239.21429.54919.897510.26010.63711.02911.43612.300
910.15910.58311.02711.49111.97812.48813.02113.58014.776
1011.46412.00612.57813.18113.81614.48715.19315.93717.549
The number of periods in a present value calculation may only be expressed in years.
6.Present Value of 1
Periods3%4%5%6%7%8%9%10%12%
30.91510.88900.86380.83960.81630.79380.77220.75130.7118
40.88850.85480.82270.79210.76290.73500.70840.68300.6355
50.86260.82190.78350.74730.71300.68060.64990.62090.5674
60.83750.79030.74620.70500.66630.63020.59630.56450.5066
70.81310.75990.71070.66510.62270.58350.54700.51320.4523
80.78940.73070.67680.62740.58200.54030.50190.46650.4039
90.76640.70260.64460.59190.54390.50020.46040.42410.3606
100.74410.67560.61390.55840.50830.46320.42240.38550.3220
Future Value of 1
Periods3%4%5%6%7%8%9%10%12%
31.09271.12491.15761.19101.22501.25971.29501.33101.4049
41.12551.16991.21551.26251.31081.36051.41161.46411.5735
51.15931.21671.27631.33821.40261.46931.53861.61051.7623
61.19411.26531.34011.41851.50071.58691.67711.77161.9738
71.22991.31591.40711.50361.60581.71381.82801.94872.2107
81.26681.36861.47751.59381.71821.85091.99262.14362.4760
91.30481.42331.55131.68951.83851.99902.17192.35792.7731
101.34391.48021.62891.79081.96722.15892.36742.59373.1058
Present Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
32.82862.77512.72322.67302.62432.57712.53132.48692.4018
43.71713.62993.54603.46513.38723.31213.23973.16993.0373
54.57974.45184.32954.21244.10023.99273.88973.79083.6048
65.41725.24215.07574.91734.76654.62294.48594.35534.1114
76.23036.00215.78645.58245.38935.20645.03304.86844.5638
87.01976.73276.46326.20985.97135.74665.53485.33494.9676
97.78617.43537.10786.80176.51526.24695.99525.79505.3282
108.53028.11097.72177.36017.02366.71016.41776.14465.6502
Future Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
33.09093.12163.15253.18363.21493.24643.27813.31003.3744
44.18364.24654.31014.37464.43994.50614.57314.64104.7793
55.30915.41635.52565.63715.75075.86665.98476.10516.3528
66.46846.63306.80196.97537.15337.33597.52337.71568.1152
77.66257.89838.14208.39388.65408.92289.20049.487210.089
88.89239.21429.54919.897510.26010.63711.02911.43612.300
910.15910.58311.02711.49111.97812.48813.02113.58014.776
1011.46412.00612.57813.18113.81614.48715.19315.93717.549
The present value factor for determining the present value of $6,300 to be received three years from today at 10% interest compounded semiannually is 0.7462.
7.Present Value of 1
Periods3%4%5%6%7%8%9%10%12%
30.91510.88900.86380.83960.81630.79380.77220.75130.7118
40.88850.85480.82270.79210.76290.73500.70840.68300.6355
50.86260.82190.78350.74730.71300.68060.64990.62090.5674
60.83750.79030.74620.70500.66630.63020.59630.56450.5066
70.81310.75990.71070.66510.62270.58350.54700.51320.4523
80.78940.73070.67680.62740.58200.54030.50190.46650.4039
90.76640.70260.64460.59190.54390.50020.46040.42410.3606
100.74410.67560.61390.55840.50830.46320.42240.38550.3220
Future Value of 1
Periods3%4%5%6%7%8%9%10%12%
31.09271.12491.15761.19101.22501.25971.29501.33101.4049
41.12551.16991.21551.26251.31081.36051.41161.46411.5735
51.15931.21671.27631.33821.40261.46931.53861.61051.7623
61.19411.26531.34011.41851.50071.58691.67711.77161.9738
71.22991.31591.40711.50361.60581.71381.82801.94872.2107
81.26681.36861.47751.59381.71821.85091.99262.14362.4760
91.30481.42331.55131.68951.83851.99902.17192.35792.7731
101.34391.48021.62891.79081.96722.15892.36742.59373.1058
Present Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
32.82862.77512.72322.67302.62432.57712.53132.48692.4018
43.71713.62993.54603.46513.38723.31213.23973.16993.0373
54.57974.45184.32954.21244.10023.99273.88973.79083.6048
65.41725.24215.07574.91734.76654.62294.48594.35534.1114
76.23036.00215.78645.58245.38935.20645.03304.86844.5638
87.01976.73276.46326.20985.97135.74665.53485.33494.9676
97.78617.43537.10786.80176.51526.24695.99525.79505.3282
108.53028.11097.72177.36017.02366.71016.41776.14465.6502
Future Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
33.09093.12163.15253.18363.21493.24643.27813.31003.3744
44.18364.24654.31014.37464.43994.50614.57314.64104.7793
55.30915.41635.52565.63715.75075.86665.98476.10516.3528
66.46846.63306.80196.97537.15337.33597.52337.71568.1152
77.66257.89838.14208.39388.65408.92289.20049.487210.089
88.89239.21429.54919.897510.26010.63711.02911.43612.300
910.15910.58311.02711.49111.97812.48813.02113.58014.776
1011.46412.00612.57813.18113.81614.48715.19315.93717.549
The present value of 1 formula is often useful when a borrowed asset must be repaid in full at a later date and the borrower wants to know the worth of the asset at the future date.
8.Present Value of 1
Periods3%4%5%6%7%8%9%10%12%
30.91510.88900.86380.83960.81630.79380.77220.75130.7118
40.88850.85480.82270.79210.76290.73500.70840.68300.6355
50.86260.82190.78350.74730.71300.68060.64990.62090.5674
60.83750.79030.74620.70500.66630.63020.59630.56450.5066
70.81310.75990.71070.66510.62270.58350.54700.51320.4523
80.78940.73070.67680.62740.58200.54030.50190.46650.4039
90.76640.70260.64460.59190.54390.50020.46040.42410.3606
100.74410.67560.61390.55840.50830.46320.42240.38550.3220
Future Value of 1
Periods3%4%5%6%7%8%9%10%12%
31.09271.12491.15761.19101.22501.25971.29501.33101.4049
41.12551.16991.21551.26251.31081.36051.41161.46411.5735
51.15931.21671.27631.33821.40261.46931.53861.61051.7623
61.19411.26531.34011.41851.50071.58691.67711.77161.9738
71.22991.31591.40711.50361.60581.71381.82801.94872.2107
81.26681.36861.47751.59381.71821.85091.99262.14362.4760
91.30481.42331.55131.68951.83851.99902.17192.35792.7731
101.34391.48021.62891.79081.96722.15892.36742.59373.1058
Present Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
32.82862.77512.72322.67302.62432.57712.53132.48692.4018
43.71713.62993.54603.46513.38723.31213.23973.16993.0373
54.57974.45184.32954.21244.10023.99273.88973.79083.6048
65.41725.24215.07574.91734.76654.62294.48594.35534.1114
76.23036.00215.78645.58245.38935.20645.03304.86844.5638
87.01976.73276.46326.20985.97135.74665.53485.33494.9676
97.78617.43537.10786.80176.51526.24695.99525.79505.3282
108.53028.11097.72177.36017.02366.71016.41776.14465.6502
Future Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
33.09093.12163.15253.18363.21493.24643.27813.31003.3744
44.18364.24654.31014.37464.43994.50614.57314.64104.7793
55.30915.41635.52565.63715.75075.86665.98476.10516.3528
66.46846.63306.80196.97537.15337.33597.52337.71568.1152
77.66257.89838.14208.39388.65408.92289.20049.487210.089
88.89239.21429.54919.897510.26010.63711.02911.43612.300
910.15910.58311.02711.49111.97812.48813.02113.58014.776
1011.46412.00612.57813.18113.81614.48715.19315.93717.549
In a present value or future value table, the length of one time period may be interpreted as one year, one month, or any other length of time.
9.Present Value of 1
Periods3%4%5%6%7%8%9%10%12%
30.91510.88900.86380.83960.81630.79380.77220.75130.7118
40.88850.85480.82270.79210.76290.73500.70840.68300.6355
50.86260.82190.78350.74730.71300.68060.64990.62090.5674
60.83750.79030.74620.70500.66630.63020.59630.56450.5066
70.81310.75990.71070.66510.62270.58350.54700.51320.4523
80.78940.73070.67680.62740.58200.54030.50190.46650.4039
90.76640.70260.64460.59190.54390.50020.46040.42410.3606
100.74410.67560.61390.55840.50830.46320.42240.38550.3220
Future Value of 1
Periods3%4%5%6%7%8%9%10%12%
31.09271.12491.15761.19101.22501.25971.29501.33101.4049
41.12551.16991.21551.26251.31081.36051.41161.46411.5735
51.15931.21671.27631.33821.40261.46931.53861.61051.7623
61.19411.26531.34011.41851.50071.58691.67711.77161.9738
71.22991.31591.40711.50361.60581.71381.82801.94872.2107
81.26681.36861.47751.59381.71821.85091.99262.14362.4760
91.30481.42331.55131.68951.83851.99902.17192.35792.7731
101.34391.48021.62891.79081.96722.15892.36742.59373.1058
Present Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
32.82862.77512.72322.67302.62432.57712.53132.48692.4018
43.71713.62993.54603.46513.38723.31213.23973.16993.0373
54.57974.45184.32954.21244.10023.99273.88973.79083.6048
65.41725.24215.07574.91734.76654.62294.48594.35534.1114
76.23036.00215.78645.58245.38935.20645.03304.86844.5638
87.01976.73276.46326.20985.97135.74665.53485.33494.9676
97.78617.43537.10786.80176.51526.24695.99525.79505.3282
108.53028.11097.72177.36017.02366.71016.41776.14465.6502
Future Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
33.09093.12163.15253.18363.21493.24643.27813.31003.3744
44.18364.24654.31014.37464.43994.50614.57314.64104.7793
55.30915.41635.52565.63715.75075.86665.98476.10516.3528
66.46846.63306.80196.97537.15337.33597.52337.71568.1152
77.66257.89838.14208.39388.65408.92289.20049.487210.089
88.89239.21429.54919.897510.26010.63711.02911.43612.300
910.15910.58311.02711.49111.97812.48813.02113.58014.776
1011.46412.00612.57813.18113.81614.48715.19315.93717.549
The present value of $2,000 to be received nine years from today at 8% interest compounded annually is $1,000.
Present Value = Future Value * Interest Factor for 9 years @8%Present Value = $2,000 * 0.5002 = $1,000
10.Present Value of 1
Periods3%4%5%6%7%8%9%10%12%
30.91510.88900.86380.83960.81630.79380.77220.75130.7118
40.88850.85480.82270.79210.76290.73500.70840.68300.6355
50.86260.82190.78350.74730.71300.68060.64990.62090.5674
60.83750.79030.74620.70500.66630.63020.59630.56450.5066
70.81310.75990.71070.66510.62270.58350.54700.51320.4523
80.78940.73070.67680.62740.58200.54030.50190.46650.4039
90.76640.70260.64460.59190.54390.50020.46040.42410.3606
100.74410.67560.61390.55840.50830.46320.42240.38550.3220
Future Value of 1
Periods3%4%5%6%7%8%9%10%12%
31.09271.12491.15761.19101.22501.25971.29501.33101.4049
41.12551.16991.21551.26251.31081.36051.41161.46411.5735
51.15931.21671.27631.33821.40261.46931.53861.61051.7623
61.19411.26531.34011.41851.50071.58691.67711.77161.9738
71.22991.31591.40711.50361.60581.71381.82801.94872.2107
81.26681.36861.47751.59381.71821.85091.99262.14362.4760
91.30481.42331.55131.68951.83851.99902.17192.35792.7731
101.34391.48021.62891.79081.96722.15892.36742.59373.1058
Present Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
32.82862.77512.72322.67302.62432.57712.53132.48692.4018
43.71713.62993.54603.46513.38723.31213.23973.16993.0373
54.57974.45184.32954.21244.10023.99273.88973.79083.6048
65.41725.24215.07574.91734.76654.62294.48594.35534.1114
76.23036.00215.78645.58245.38935.20645.03304.86844.5638
87.01976.73276.46326.20985.97135.74665.53485.33494.9676
97.78617.43537.10786.80176.51526.24695.99525.79505.3282
108.53028.11097.72177.36017.02366.71016.41776.14465.6502
Future Value of an Annuity of 1
Periods3%4%5%6%7%8%9%10%12%
33.09093.12163.15253.18363.21493.24643.27813.31003.3744
44.18364.24654.31014.37464.43994.50614.57314.64104.7793
55.30915.41635.52565.63715.75075.86665.98476.10516.3528
66.46846.63306.80196.97537.15337.33597.52337.71568.1152
77.66257.89838.14208.39388.65408.92289.20049.487210.089
88.89239.21429.54919.897510.26010.63711.02911.43612.300
910.15910.58311.02711.49111.97812.48813.02113.58014.776
1011.46412.00612.57813.18113.81614.48715.19315.93717.549
Sandra has a savings account that has accumulated to $50,000. She started with $28,225, and earned interest at 10% compounded annually. It took her five years to accumulate the $50,000.
PV Factor = Present Value/Future ValuePV Factor = $28,225/$50,000 = 0.56450.5645 is the present value of 1 factor, 10%, 6 periods
Delivering a high-quality product at a reasonable price is not enough anymore.
That’s why we have developed 5 beneficial guarantees that will make your experience with our service enjoyable, easy, and safe.
You have to be 100% sure of the quality of your product to give a money-back guarantee. This describes us perfectly. Make sure that this guarantee is totally transparent.
Read moreEach paper is composed from scratch, according to your instructions. It is then checked by our plagiarism-detection software. There is no gap where plagiarism could squeeze in.
Read moreThanks to our free revisions, there is no way for you to be unsatisfied. We will work on your paper until you are completely happy with the result.
Read moreYour email is safe, as we store it according to international data protection rules. Your bank details are secure, as we use only reliable payment systems.
Read moreBy sending us your money, you buy the service we provide. Check out our terms and conditions if you prefer business talks to be laid out in official language.
Read more