Present value tables and annuity tables

Four factor tables, covering present value and future value, for rates of 1 to 20 per cent over 1 to 50 periods. Type any rate and the table grows a column for it.

The rate is the rate per period and n is the number of periods, not an annual rate and a number of years. For 12 per cent a year compounding monthly, read 1 per cent at 12 periods.

Present value of 1

Multiply a single amount received in n periods.

At 8% for 10 periods: 1 / 1.08^10 = 0.4632.

PV = 1 / (1 + r)^n

Present value of 1
Periods (n)	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	17%	18%	19%	20%
1	0.9901	0.9804	0.9709	0.9615	0.9524	0.9434	0.9346	0.9259	0.9174	0.9091	0.9009	0.8929	0.8850	0.8772	0.8696	0.8621	0.8547	0.8475	0.8403	0.8333
2	0.9803	0.9612	0.9426	0.9246	0.9070	0.8900	0.8734	0.8573	0.8417	0.8264	0.8116	0.7972	0.7831	0.7695	0.7561	0.7432	0.7305	0.7182	0.7062	0.6944
3	0.9706	0.9423	0.9151	0.8890	0.8638	0.8396	0.8163	0.7938	0.7722	0.7513	0.7312	0.7118	0.6931	0.6750	0.6575	0.6407	0.6244	0.6086	0.5934	0.5787
4	0.9610	0.9238	0.8885	0.8548	0.8227	0.7921	0.7629	0.7350	0.7084	0.6830	0.6587	0.6355	0.6133	0.5921	0.5718	0.5523	0.5337	0.5158	0.4987	0.4823
5	0.9515	0.9057	0.8626	0.8219	0.7835	0.7473	0.7130	0.6806	0.6499	0.6209	0.5935	0.5674	0.5428	0.5194	0.4972	0.4761	0.4561	0.4371	0.4190	0.4019
6	0.9420	0.8880	0.8375	0.7903	0.7462	0.7050	0.6663	0.6302	0.5963	0.5645	0.5346	0.5066	0.4803	0.4556	0.4323	0.4104	0.3898	0.3704	0.3521	0.3349
7	0.9327	0.8706	0.8131	0.7599	0.7107	0.6651	0.6227	0.5835	0.5470	0.5132	0.4817	0.4523	0.4251	0.3996	0.3759	0.3538	0.3332	0.3139	0.2959	0.2791
8	0.9235	0.8535	0.7894	0.7307	0.6768	0.6274	0.5820	0.5403	0.5019	0.4665	0.4339	0.4039	0.3762	0.3506	0.3269	0.3050	0.2848	0.2660	0.2487	0.2326
9	0.9143	0.8368	0.7664	0.7026	0.6446	0.5919	0.5439	0.5002	0.4604	0.4241	0.3909	0.3606	0.3329	0.3075	0.2843	0.2630	0.2434	0.2255	0.2090	0.1938
10	0.9053	0.8203	0.7441	0.6756	0.6139	0.5584	0.5083	0.4632	0.4224	0.3855	0.3522	0.3220	0.2946	0.2697	0.2472	0.2267	0.2080	0.1911	0.1756	0.1615
11	0.8963	0.8043	0.7224	0.6496	0.5847	0.5268	0.4751	0.4289	0.3875	0.3505	0.3173	0.2875	0.2607	0.2366	0.2149	0.1954	0.1778	0.1619	0.1476	0.1346
12	0.8874	0.7885	0.7014	0.6246	0.5568	0.4970	0.4440	0.3971	0.3555	0.3186	0.2858	0.2567	0.2307	0.2076	0.1869	0.1685	0.1520	0.1372	0.1240	0.1122
13	0.8787	0.7730	0.6810	0.6006	0.5303	0.4688	0.4150	0.3677	0.3262	0.2897	0.2575	0.2292	0.2042	0.1821	0.1625	0.1452	0.1299	0.1163	0.1042	0.0935
14	0.8700	0.7579	0.6611	0.5775	0.5051	0.4423	0.3878	0.3405	0.2992	0.2633	0.2320	0.2046	0.1807	0.1597	0.1413	0.1252	0.1110	0.0985	0.0876	0.0779
15	0.8613	0.7430	0.6419	0.5553	0.4810	0.4173	0.3624	0.3152	0.2745	0.2394	0.2090	0.1827	0.1599	0.1401	0.1229	0.1079	0.0949	0.0835	0.0736	0.0649
16	0.8528	0.7284	0.6232	0.5339	0.4581	0.3936	0.3387	0.2919	0.2519	0.2176	0.1883	0.1631	0.1415	0.1229	0.1069	0.0930	0.0811	0.0708	0.0618	0.0541
17	0.8444	0.7142	0.6050	0.5134	0.4363	0.3714	0.3166	0.2703	0.2311	0.1978	0.1696	0.1456	0.1252	0.1078	0.0929	0.0802	0.0693	0.0600	0.0520	0.0451
18	0.8360	0.7002	0.5874	0.4936	0.4155	0.3503	0.2959	0.2502	0.2120	0.1799	0.1528	0.1300	0.1108	0.0946	0.0808	0.0691	0.0592	0.0508	0.0437	0.0376
19	0.8277	0.6864	0.5703	0.4746	0.3957	0.3305	0.2765	0.2317	0.1945	0.1635	0.1377	0.1161	0.0981	0.0829	0.0703	0.0596	0.0506	0.0431	0.0367	0.0313
20	0.8195	0.6730	0.5537	0.4564	0.3769	0.3118	0.2584	0.2145	0.1784	0.1486	0.1240	0.1037	0.0868	0.0728	0.0611	0.0514	0.0433	0.0365	0.0308	0.0261
21	0.8114	0.6598	0.5375	0.4388	0.3589	0.2942	0.2415	0.1987	0.1637	0.1351	0.1117	0.0926	0.0768	0.0638	0.0531	0.0443	0.0370	0.0309	0.0259	0.0217
22	0.8034	0.6468	0.5219	0.4220	0.3418	0.2775	0.2257	0.1839	0.1502	0.1228	0.1007	0.0826	0.0680	0.0560	0.0462	0.0382	0.0316	0.0262	0.0218	0.0181
23	0.7954	0.6342	0.5067	0.4057	0.3256	0.2618	0.2109	0.1703	0.1378	0.1117	0.0907	0.0738	0.0601	0.0491	0.0402	0.0329	0.0270	0.0222	0.0183	0.0151
24	0.7876	0.6217	0.4919	0.3901	0.3101	0.2470	0.1971	0.1577	0.1264	0.1015	0.0817	0.0659	0.0532	0.0431	0.0349	0.0284	0.0231	0.0188	0.0154	0.0126
25	0.7798	0.6095	0.4776	0.3751	0.2953	0.2330	0.1842	0.1460	0.1160	0.0923	0.0736	0.0588	0.0471	0.0378	0.0304	0.0245	0.0197	0.0160	0.0129	0.0105
26	0.7720	0.5976	0.4637	0.3607	0.2812	0.2198	0.1722	0.1352	0.1064	0.0839	0.0663	0.0525	0.0417	0.0331	0.0264	0.0211	0.0169	0.0135	0.0109	0.0087
27	0.7644	0.5859	0.4502	0.3468	0.2678	0.2074	0.1609	0.1252	0.0976	0.0763	0.0597	0.0469	0.0369	0.0291	0.0230	0.0182	0.0144	0.0115	0.0091	0.0073
28	0.7568	0.5744	0.4371	0.3335	0.2551	0.1956	0.1504	0.1159	0.0895	0.0693	0.0538	0.0419	0.0326	0.0255	0.0200	0.0157	0.0123	0.0097	0.0077	0.0061
29	0.7493	0.5631	0.4243	0.3207	0.2429	0.1846	0.1406	0.1073	0.0822	0.0630	0.0485	0.0374	0.0289	0.0224	0.0174	0.0135	0.0105	0.0082	0.0064	0.0051
30	0.7419	0.5521	0.4120	0.3083	0.2314	0.1741	0.1314	0.0994	0.0754	0.0573	0.0437	0.0334	0.0256	0.0196	0.0151	0.0116	0.0090	0.0070	0.0054	0.0042
31	0.7346	0.5412	0.4000	0.2965	0.2204	0.1643	0.1228	0.0920	0.0691	0.0521	0.0394	0.0298	0.0226	0.0172	0.0131	0.0100	0.0077	0.0059	0.0046	0.0035
32	0.7273	0.5306	0.3883	0.2851	0.2099	0.1550	0.1147	0.0852	0.0634	0.0474	0.0355	0.0266	0.0200	0.0151	0.0114	0.0087	0.0066	0.0050	0.0038	0.0029
33	0.7201	0.5202	0.3770	0.2741	0.1999	0.1462	0.1072	0.0789	0.0582	0.0431	0.0319	0.0238	0.0177	0.0132	0.0099	0.0075	0.0056	0.0042	0.0032	0.0024
34	0.7130	0.5100	0.3660	0.2636	0.1904	0.1379	0.1002	0.0730	0.0534	0.0391	0.0288	0.0212	0.0157	0.0116	0.0086	0.0064	0.0048	0.0036	0.0027	0.0020
35	0.7059	0.5000	0.3554	0.2534	0.1813	0.1301	0.0937	0.0676	0.0490	0.0356	0.0259	0.0189	0.0139	0.0102	0.0075	0.0055	0.0041	0.0030	0.0023	0.0017
36	0.6989	0.4902	0.3450	0.2437	0.1727	0.1227	0.0875	0.0626	0.0449	0.0323	0.0234	0.0169	0.0123	0.0089	0.0065	0.0048	0.0035	0.0026	0.0019	0.0014
37	0.6920	0.4806	0.3350	0.2343	0.1644	0.1158	0.0818	0.0580	0.0412	0.0294	0.0210	0.0151	0.0109	0.0078	0.0057	0.0041	0.0030	0.0022	0.0016	0.0012
38	0.6852	0.4712	0.3252	0.2253	0.1566	0.1092	0.0765	0.0537	0.0378	0.0267	0.0190	0.0135	0.0096	0.0069	0.0049	0.0036	0.0026	0.0019	0.0013	0.0010
39	0.6784	0.4619	0.3158	0.2166	0.1491	0.1031	0.0715	0.0497	0.0347	0.0243	0.0171	0.0120	0.0085	0.0060	0.0043	0.0031	0.0022	0.0016	0.0011	0.0008
40	0.6717	0.4529	0.3066	0.2083	0.1420	0.0972	0.0668	0.0460	0.0318	0.0221	0.0154	0.0107	0.0075	0.0053	0.0037	0.0026	0.0019	0.0013	0.0010	0.0007
41	0.6650	0.4440	0.2976	0.2003	0.1353	0.0917	0.0624	0.0426	0.0292	0.0201	0.0139	0.0096	0.0067	0.0046	0.0032	0.0023	0.0016	0.0011	0.0008	0.0006
42	0.6584	0.4353	0.2890	0.1926	0.1288	0.0865	0.0583	0.0395	0.0268	0.0183	0.0125	0.0086	0.0059	0.0041	0.0028	0.0020	0.0014	0.0010	0.0007	0.0005
43	0.6519	0.4268	0.2805	0.1852	0.1227	0.0816	0.0545	0.0365	0.0246	0.0166	0.0112	0.0076	0.0052	0.0036	0.0025	0.0017	0.0012	0.0008	0.0006	0.0004
44	0.6454	0.4184	0.2724	0.1780	0.1169	0.0770	0.0509	0.0338	0.0226	0.0151	0.0101	0.0068	0.0046	0.0031	0.0021	0.0015	0.0010	0.0007	0.0005	0.0003
45	0.6391	0.4102	0.2644	0.1712	0.1113	0.0727	0.0476	0.0313	0.0207	0.0137	0.0091	0.0061	0.0041	0.0027	0.0019	0.0013	0.0009	0.0006	0.0004	0.0003
46	0.6327	0.4022	0.2567	0.1646	0.1060	0.0685	0.0445	0.0290	0.0190	0.0125	0.0082	0.0054	0.0036	0.0024	0.0016	0.0011	0.0007	0.0005	0.0003	0.0002
47	0.6265	0.3943	0.2493	0.1583	0.1009	0.0647	0.0416	0.0269	0.0174	0.0113	0.0074	0.0049	0.0032	0.0021	0.0014	0.0009	0.0006	0.0004	0.0003	0.0002
48	0.6203	0.3865	0.2420	0.1522	0.0961	0.0610	0.0389	0.0249	0.0160	0.0103	0.0067	0.0043	0.0028	0.0019	0.0012	0.0008	0.0005	0.0004	0.0002	0.0002
49	0.6141	0.3790	0.2350	0.1463	0.0916	0.0575	0.0363	0.0230	0.0147	0.0094	0.0060	0.0039	0.0025	0.0016	0.0011	0.0007	0.0005	0.0003	0.0002	0.0001
50	0.6080	0.3715	0.2281	0.1407	0.0872	0.0543	0.0339	0.0213	0.0134	0.0085	0.0054	0.0035	0.0022	0.0014	0.0009	0.0006	0.0004	0.0003	0.0002	0.0001

Present value of an ordinary annuity of 1

Multiply an amount received at the end of each period, for n periods.

At 10% for 10 periods: (1 - 1.10^-10) / 0.10 = 6.1446.

PVA = (1 - (1 + r)^-n) / r

Present value of an ordinary annuity of 1
Periods (n)	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	17%	18%	19%	20%
1	0.9901	0.9804	0.9709	0.9615	0.9524	0.9434	0.9346	0.9259	0.9174	0.9091	0.9009	0.8929	0.8850	0.8772	0.8696	0.8621	0.8547	0.8475	0.8403	0.8333
2	1.9704	1.9416	1.9135	1.8861	1.8594	1.8334	1.8080	1.7833	1.7591	1.7355	1.7125	1.6901	1.6681	1.6467	1.6257	1.6052	1.5852	1.5656	1.5465	1.5278
3	2.9410	2.8839	2.8286	2.7751	2.7232	2.6730	2.6243	2.5771	2.5313	2.4869	2.4437	2.4018	2.3612	2.3216	2.2832	2.2459	2.2096	2.1743	2.1399	2.1065
4	3.9020	3.8077	3.7171	3.6299	3.5460	3.4651	3.3872	3.3121	3.2397	3.1699	3.1024	3.0373	2.9745	2.9137	2.8550	2.7982	2.7432	2.6901	2.6386	2.5887
5	4.8534	4.7135	4.5797	4.4518	4.3295	4.2124	4.1002	3.9927	3.8897	3.7908	3.6959	3.6048	3.5172	3.4331	3.3522	3.2743	3.1993	3.1272	3.0576	2.9906
6	5.7955	5.6014	5.4172	5.2421	5.0757	4.9173	4.7665	4.6229	4.4859	4.3553	4.2305	4.1114	3.9975	3.8887	3.7845	3.6847	3.5892	3.4976	3.4098	3.3255
7	6.7282	6.4720	6.2303	6.0021	5.7864	5.5824	5.3893	5.2064	5.0330	4.8684	4.7122	4.5638	4.4226	4.2883	4.1604	4.0386	3.9224	3.8115	3.7057	3.6046
8	7.6517	7.3255	7.0197	6.7327	6.4632	6.2098	5.9713	5.7466	5.5348	5.3349	5.1461	4.9676	4.7988	4.6389	4.4873	4.3436	4.2072	4.0776	3.9544	3.8372
9	8.5660	8.1622	7.7861	7.4353	7.1078	6.8017	6.5152	6.2469	5.9952	5.7590	5.5370	5.3282	5.1317	4.9464	4.7716	4.6065	4.4506	4.3030	4.1633	4.0310
10	9.4713	8.9826	8.5302	8.1109	7.7217	7.3601	7.0236	6.7101	6.4177	6.1446	5.8892	5.6502	5.4262	5.2161	5.0188	4.8332	4.6586	4.4941	4.3389	4.1925
11	10.3676	9.7868	9.2526	8.7605	8.3064	7.8869	7.4987	7.1390	6.8052	6.4951	6.2065	5.9377	5.6869	5.4527	5.2337	5.0286	4.8364	4.6560	4.4865	4.3271
12	11.2551	10.5753	9.9540	9.3851	8.8633	8.3838	7.9427	7.5361	7.1607	6.8137	6.4924	6.1944	5.9176	5.6603	5.4206	5.1971	4.9884	4.7932	4.6105	4.4392
13	12.1337	11.3484	10.6350	9.9856	9.3936	8.8527	8.3577	7.9038	7.4869	7.1034	6.7499	6.4235	6.1218	5.8424	5.5831	5.3423	5.1183	4.9095	4.7147	4.5327
14	13.0037	12.1062	11.2961	10.5631	9.8986	9.2950	8.7455	8.2442	7.7862	7.3667	6.9819	6.6282	6.3025	6.0021	5.7245	5.4675	5.2293	5.0081	4.8023	4.6106
15	13.8651	12.8493	11.9379	11.1184	10.3797	9.7122	9.1079	8.5595	8.0607	7.6061	7.1909	6.8109	6.4624	6.1422	5.8474	5.5755	5.3242	5.0916	4.8759	4.6755
16	14.7179	13.5777	12.5611	11.6523	10.8378	10.1059	9.4466	8.8514	8.3126	7.8237	7.3792	6.9740	6.6039	6.2651	5.9542	5.6685	5.4053	5.1624	4.9377	4.7296
17	15.5623	14.2919	13.1661	12.1657	11.2741	10.4773	9.7632	9.1216	8.5436	8.0216	7.5488	7.1196	6.7291	6.3729	6.0472	5.7487	5.4746	5.2223	4.9897	4.7746
18	16.3983	14.9920	13.7535	12.6593	11.6896	10.8276	10.0591	9.3719	8.7556	8.2014	7.7016	7.2497	6.8399	6.4674	6.1280	5.8178	5.5339	5.2732	5.0333	4.8122
19	17.2260	15.6785	14.3238	13.1339	12.0853	11.1581	10.3356	9.6036	8.9501	8.3649	7.8393	7.3658	6.9380	6.5504	6.1982	5.8775	5.5845	5.3162	5.0700	4.8435
20	18.0456	16.3514	14.8775	13.5903	12.4622	11.4699	10.5940	9.8181	9.1285	8.5136	7.9633	7.4694	7.0248	6.6231	6.2593	5.9288	5.6278	5.3527	5.1009	4.8696
21	18.8570	17.0112	15.4150	14.0292	12.8212	11.7641	10.8355	10.0168	9.2922	8.6487	8.0751	7.5620	7.1016	6.6870	6.3125	5.9731	5.6648	5.3837	5.1268	4.8913
22	19.6604	17.6580	15.9369	14.4511	13.1630	12.0416	11.0612	10.2007	9.4424	8.7715	8.1757	7.6446	7.1695	6.7429	6.3587	6.0113	5.6964	5.4099	5.1486	4.9094
23	20.4558	18.2922	16.4436	14.8568	13.4886	12.3034	11.2722	10.3711	9.5802	8.8832	8.2664	7.7184	7.2297	6.7921	6.3988	6.0442	5.7234	5.4321	5.1668	4.9245
24	21.2434	18.9139	16.9355	15.2470	13.7986	12.5504	11.4693	10.5288	9.7066	8.9847	8.3481	7.7843	7.2829	6.8351	6.4338	6.0726	5.7465	5.4509	5.1822	4.9371
25	22.0232	19.5235	17.4131	15.6221	14.0939	12.7834	11.6536	10.6748	9.8226	9.0770	8.4217	7.8431	7.3300	6.8729	6.4641	6.0971	5.7662	5.4669	5.1951	4.9476
26	22.7952	20.1210	17.8768	15.9828	14.3752	13.0032	11.8258	10.8100	9.9290	9.1609	8.4881	7.8957	7.3717	6.9061	6.4906	6.1182	5.7831	5.4804	5.2060	4.9563
27	23.5596	20.7069	18.3270	16.3296	14.6430	13.2105	11.9867	10.9352	10.0266	9.2372	8.5478	7.9426	7.4086	6.9352	6.5135	6.1364	5.7975	5.4919	5.2151	4.9636
28	24.3164	21.2813	18.7641	16.6631	14.8981	13.4062	12.1371	11.0511	10.1161	9.3066	8.6016	7.9844	7.4412	6.9607	6.5335	6.1520	5.8099	5.5016	5.2228	4.9697
29	25.0658	21.8444	19.1885	16.9837	15.1411	13.5907	12.2777	11.1584	10.1983	9.3696	8.6501	8.0218	7.4701	6.9830	6.5509	6.1656	5.8204	5.5098	5.2292	4.9747
30	25.8077	22.3965	19.6004	17.2920	15.3725	13.7648	12.4090	11.2578	10.2737	9.4269	8.6938	8.0552	7.4957	7.0027	6.5660	6.1772	5.8294	5.5168	5.2347	4.9789
31	26.5423	22.9377	20.0004	17.5885	15.5928	13.9291	12.5318	11.3498	10.3428	9.4790	8.7331	8.0850	7.5183	7.0199	6.5791	6.1872	5.8371	5.5227	5.2392	4.9824
32	27.2696	23.4683	20.3888	17.8736	15.8027	14.0840	12.6466	11.4350	10.4062	9.5264	8.7686	8.1116	7.5383	7.0350	6.5905	6.1959	5.8437	5.5277	5.2430	4.9854
33	27.9897	23.9886	20.7658	18.1476	16.0025	14.2302	12.7538	11.5139	10.4644	9.5694	8.8005	8.1354	7.5560	7.0482	6.6005	6.2034	5.8493	5.5320	5.2462	4.9878
34	28.7027	24.4986	21.1318	18.4112	16.1929	14.3681	12.8540	11.5869	10.5178	9.6086	8.8293	8.1566	7.5717	7.0599	6.6091	6.2098	5.8541	5.5356	5.2489	4.9898
35	29.4086	24.9986	21.4872	18.6646	16.3742	14.4982	12.9477	11.6546	10.5668	9.6442	8.8552	8.1755	7.5856	7.0700	6.6166	6.2153	5.8582	5.5386	5.2512	4.9915
36	30.1075	25.4888	21.8323	18.9083	16.5469	14.6210	13.0352	11.7172	10.6118	9.6765	8.8786	8.1924	7.5979	7.0790	6.6231	6.2201	5.8617	5.5412	5.2531	4.9929
37	30.7995	25.9695	22.1672	19.1426	16.7113	14.7368	13.1170	11.7752	10.6530	9.7059	8.8996	8.2075	7.6087	7.0868	6.6288	6.2242	5.8647	5.5434	5.2547	4.9941
38	31.4847	26.4406	22.4925	19.3679	16.8679	14.8460	13.1935	11.8289	10.6908	9.7327	8.9186	8.2210	7.6183	7.0937	6.6338	6.2278	5.8673	5.5452	5.2561	4.9951
39	32.1630	26.9026	22.8082	19.5845	17.0170	14.9491	13.2649	11.8786	10.7255	9.7570	8.9357	8.2330	7.6268	7.0997	6.6380	6.2309	5.8695	5.5468	5.2572	4.9959
40	32.8347	27.3555	23.1148	19.7928	17.1591	15.0463	13.3317	11.9246	10.7574	9.7791	8.9511	8.2438	7.6344	7.1050	6.6418	6.2335	5.8713	5.5482	5.2582	4.9966
41	33.4997	27.7995	23.4124	19.9931	17.2944	15.1380	13.3941	11.9672	10.7866	9.7991	8.9649	8.2534	7.6410	7.1097	6.6450	6.2358	5.8729	5.5493	5.2590	4.9972
42	34.1581	28.2348	23.7014	20.1856	17.4232	15.2245	13.4524	12.0067	10.8134	9.8174	8.9774	8.2619	7.6469	7.1138	6.6478	6.2377	5.8743	5.5502	5.2596	4.9976
43	34.8100	28.6616	23.9819	20.3708	17.5459	15.3062	13.5070	12.0432	10.8380	9.8340	8.9886	8.2696	7.6522	7.1173	6.6503	6.2394	5.8755	5.5510	5.2602	4.9980
44	35.4555	29.0800	24.2543	20.5488	17.6628	15.3832	13.5579	12.0771	10.8605	9.8491	8.9988	8.2764	7.6568	7.1205	6.6524	6.2409	5.8765	5.5517	5.2607	4.9984
45	36.0945	29.4902	24.5187	20.7200	17.7741	15.4558	13.6055	12.1084	10.8812	9.8628	9.0079	8.2825	7.6609	7.1232	6.6543	6.2421	5.8773	5.5523	5.2611	4.9986
46	36.7272	29.8923	24.7754	20.8847	17.8801	15.5244	13.6500	12.1374	10.9002	9.8753	9.0161	8.2880	7.6645	7.1256	6.6559	6.2432	5.8781	5.5528	5.2614	4.9989
47	37.3537	30.2866	25.0247	21.0429	17.9810	15.5890	13.6916	12.1643	10.9176	9.8866	9.0235	8.2928	7.6677	7.1277	6.6573	6.2442	5.8787	5.5532	5.2617	4.9991
48	37.9740	30.6731	25.2667	21.1951	18.0772	15.6500	13.7305	12.1891	10.9336	9.8969	9.0302	8.2972	7.6705	7.1296	6.6585	6.2450	5.8792	5.5536	5.2619	4.9992
49	38.5881	31.0521	25.5017	21.3415	18.1687	15.7076	13.7668	12.2122	10.9482	9.9063	9.0362	8.3010	7.6730	7.1312	6.6596	6.2457	5.8797	5.5539	5.2621	4.9993
50	39.1961	31.4236	25.7298	21.4822	18.2559	15.7619	13.8007	12.2335	10.9617	9.9148	9.0417	8.3045	7.6752	7.1327	6.6605	6.2463	5.8801	5.5541	5.2623	4.9995

Future value of 1

Multiply a single amount invested now.

At 6% for 10 periods: 1.06^10 = 1.7908.

FV = (1 + r)^n

Future value of 1
Periods (n)	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	17%	18%	19%	20%
1	1.0100	1.0200	1.0300	1.0400	1.0500	1.0600	1.0700	1.0800	1.0900	1.1000	1.1100	1.1200	1.1300	1.1400	1.1500	1.1600	1.1700	1.1800	1.1900	1.2000
2	1.0201	1.0404	1.0609	1.0816	1.1025	1.1236	1.1449	1.1664	1.1881	1.2100	1.2321	1.2544	1.2769	1.2996	1.3225	1.3456	1.3689	1.3924	1.4161	1.4400
3	1.0303	1.0612	1.0927	1.1249	1.1576	1.1910	1.2250	1.2597	1.2950	1.3310	1.3676	1.4049	1.4429	1.4815	1.5209	1.5609	1.6016	1.6430	1.6852	1.7280
4	1.0406	1.0824	1.1255	1.1699	1.2155	1.2625	1.3108	1.3605	1.4116	1.4641	1.5181	1.5735	1.6305	1.6890	1.7490	1.8106	1.8739	1.9388	2.0053	2.0736
5	1.0510	1.1041	1.1593	1.2167	1.2763	1.3382	1.4026	1.4693	1.5386	1.6105	1.6851	1.7623	1.8424	1.9254	2.0114	2.1003	2.1924	2.2878	2.3864	2.4883
6	1.0615	1.1262	1.1941	1.2653	1.3401	1.4185	1.5007	1.5869	1.6771	1.7716	1.8704	1.9738	2.0820	2.1950	2.3131	2.4364	2.5652	2.6996	2.8398	2.9860
7	1.0721	1.1487	1.2299	1.3159	1.4071	1.5036	1.6058	1.7138	1.8280	1.9487	2.0762	2.2107	2.3526	2.5023	2.6600	2.8262	3.0012	3.1855	3.3793	3.5832
8	1.0829	1.1717	1.2668	1.3686	1.4775	1.5938	1.7182	1.8509	1.9926	2.1436	2.3045	2.4760	2.6584	2.8526	3.0590	3.2784	3.5115	3.7589	4.0214	4.2998
9	1.0937	1.1951	1.3048	1.4233	1.5513	1.6895	1.8385	1.9990	2.1719	2.3579	2.5580	2.7731	3.0040	3.2519	3.5179	3.8030	4.1084	4.4355	4.7854	5.1598
10	1.1046	1.2190	1.3439	1.4802	1.6289	1.7908	1.9672	2.1589	2.3674	2.5937	2.8394	3.1058	3.3946	3.7072	4.0456	4.4114	4.8068	5.2338	5.6947	6.1917
11	1.1157	1.2434	1.3842	1.5395	1.7103	1.8983	2.1049	2.3316	2.5804	2.8531	3.1518	3.4785	3.8359	4.2262	4.6524	5.1173	5.6240	6.1759	6.7767	7.4301
12	1.1268	1.2682	1.4258	1.6010	1.7959	2.0122	2.2522	2.5182	2.8127	3.1384	3.4985	3.8960	4.3345	4.8179	5.3503	5.9360	6.5801	7.2876	8.0642	8.9161
13	1.1381	1.2936	1.4685	1.6651	1.8856	2.1329	2.4098	2.7196	3.0658	3.4523	3.8833	4.3635	4.8980	5.4924	6.1528	6.8858	7.6987	8.5994	9.5964	10.6993
14	1.1495	1.3195	1.5126	1.7317	1.9799	2.2609	2.5785	2.9372	3.3417	3.7975	4.3104	4.8871	5.5348	6.2613	7.0757	7.9875	9.0075	10.1472	11.4198	12.8392
15	1.1610	1.3459	1.5580	1.8009	2.0789	2.3966	2.7590	3.1722	3.6425	4.1772	4.7846	5.4736	6.2543	7.1379	8.1371	9.2655	10.5387	11.9737	13.5895	15.4070
16	1.1726	1.3728	1.6047	1.8730	2.1829	2.5404	2.9522	3.4259	3.9703	4.5950	5.3109	6.1304	7.0673	8.1372	9.3576	10.7480	12.3303	14.1290	16.1715	18.4884
17	1.1843	1.4002	1.6528	1.9479	2.2920	2.6928	3.1588	3.7000	4.3276	5.0545	5.8951	6.8660	7.9861	9.2765	10.7613	12.4677	14.4265	16.6722	19.2441	22.1861
18	1.1961	1.4282	1.7024	2.0258	2.4066	2.8543	3.3799	3.9960	4.7171	5.5599	6.5436	7.6900	9.0243	10.5752	12.3755	14.4625	16.8790	19.6733	22.9005	26.6233
19	1.2081	1.4568	1.7535	2.1068	2.5270	3.0256	3.6165	4.3157	5.1417	6.1159	7.2633	8.6128	10.1974	12.0557	14.2318	16.7765	19.7484	23.2144	27.2516	31.9480
20	1.2202	1.4859	1.8061	2.1911	2.6533	3.2071	3.8697	4.6610	5.6044	6.7275	8.0623	9.6463	11.5231	13.7435	16.3665	19.4608	23.1056	27.3930	32.4294	38.3376
21	1.2324	1.5157	1.8603	2.2788	2.7860	3.3996	4.1406	5.0338	6.1088	7.4002	8.9492	10.8038	13.0211	15.6676	18.8215	22.5745	27.0336	32.3238	38.5910	46.0051
22	1.2447	1.5460	1.9161	2.3699	2.9253	3.6035	4.4304	5.4365	6.6586	8.1403	9.9336	12.1003	14.7138	17.8610	21.6447	26.1864	31.6293	38.1421	45.9233	55.2061
23	1.2572	1.5769	1.9736	2.4647	3.0715	3.8197	4.7405	5.8715	7.2579	8.9543	11.0263	13.5523	16.6266	20.3616	24.8915	30.3762	37.0062	45.0076	54.6487	66.2474
24	1.2697	1.6084	2.0328	2.5633	3.2251	4.0489	5.0724	6.3412	7.9111	9.8497	12.2392	15.1786	18.7881	23.2122	28.6252	35.2364	43.2973	53.1090	65.0320	79.4968
25	1.2824	1.6406	2.0938	2.6658	3.3864	4.2919	5.4274	6.8485	8.6231	10.8347	13.5855	17.0001	21.2305	26.4619	32.9190	40.8742	50.6578	62.6686	77.3881	95.3962
26	1.2953	1.6734	2.1566	2.7725	3.5557	4.5494	5.8074	7.3964	9.3992	11.9182	15.0799	19.0401	23.9905	30.1666	37.8568	47.4141	59.2697	73.9490	92.0918	114.4755
27	1.3082	1.7069	2.2213	2.8834	3.7335	4.8223	6.2139	7.9881	10.2451	13.1100	16.7386	21.3249	27.1093	34.3899	43.5353	55.0004	69.3455	87.2598	109.5893	137.3706
28	1.3213	1.7410	2.2879	2.9987	3.9201	5.1117	6.6488	8.6271	11.1671	14.4210	18.5799	23.8839	30.6335	39.2045	50.0656	63.8004	81.1342	102.9666	130.4112	164.8447
29	1.3345	1.7758	2.3566	3.1187	4.1161	5.4184	7.1143	9.3173	12.1722	15.8631	20.6237	26.7499	34.6158	44.6931	57.5755	74.0085	94.9271	121.5005	155.1893	197.8136
30	1.3478	1.8114	2.4273	3.2434	4.3219	5.7435	7.6123	10.0627	13.2677	17.4494	22.8923	29.9599	39.1159	50.9502	66.2118	85.8499	111.0647	143.3706	184.6753	237.3763
31	1.3613	1.8476	2.5001	3.3731	4.5380	6.0881	8.1451	10.8677	14.4618	19.1943	25.4104	33.5551	44.2010	58.0832	76.1435	99.5859	129.9456	169.1774	219.7636	284.8516
32	1.3749	1.8845	2.5751	3.5081	4.7649	6.4534	8.7153	11.7371	15.7633	21.1138	28.2056	37.5817	49.9471	66.2148	87.5651	115.5196	152.0364	199.6293	261.5187	341.8219
33	1.3887	1.9222	2.6523	3.6484	5.0032	6.8406	9.3253	12.6760	17.1820	23.2252	31.3082	42.0915	56.4402	75.4849	100.6998	134.0027	177.8826	235.5625	311.2073	410.1863
34	1.4026	1.9607	2.7319	3.7943	5.2533	7.2510	9.9781	13.6901	18.7284	25.5477	34.7521	47.1425	63.7774	86.0528	115.8048	155.4432	208.1226	277.9638	370.3366	492.2235
35	1.4166	1.9999	2.8139	3.9461	5.5160	7.6861	10.6766	14.7853	20.4140	28.1024	38.5749	52.7996	72.0685	98.1002	133.1755	180.3141	243.5035	327.9973	440.7006	590.6682
36	1.4308	2.0399	2.8983	4.1039	5.7918	8.1473	11.4239	15.9682	22.2512	30.9127	42.8181	59.1356	81.4374	111.8342	153.1519	209.1643	284.8991	387.0368	524.4337	708.8019
37	1.4451	2.0807	2.9852	4.2681	6.0814	8.6361	12.2236	17.2456	24.2538	34.0039	47.5281	66.2318	92.0243	127.4910	176.1246	242.6306	333.3319	456.7034	624.0761	850.5622
38	1.4595	2.1223	3.0748	4.4388	6.3855	9.1543	13.0793	18.6253	26.4367	37.4043	52.7562	74.1797	103.9874	145.3397	202.5433	281.4515	389.9983	538.9100	742.6506	1020.6747
39	1.4741	2.1647	3.1670	4.6164	6.7048	9.7035	13.9948	20.1153	28.8160	41.1448	58.5593	83.0812	117.5058	165.6873	232.9248	326.4838	456.2980	635.9139	883.7542	1224.8096
40	1.4889	2.2080	3.2620	4.8010	7.0400	10.2857	14.9745	21.7245	31.4094	45.2593	65.0009	93.0510	132.7816	188.8835	267.8635	378.7212	533.8687	750.3783	1051.6675	1469.7716
41	1.5038	2.2522	3.3599	4.9931	7.3920	10.9029	16.0227	23.4625	34.2363	49.7852	72.1510	104.2171	150.0432	215.3272	308.0431	439.3165	624.6264	885.4464	1251.4843	1763.7259
42	1.5188	2.2972	3.4607	5.1928	7.7616	11.5570	17.1443	25.3395	37.3175	54.7637	80.0876	116.7231	169.5488	245.4730	354.2495	509.6072	730.8129	1044.8268	1489.2664	2116.4711
43	1.5340	2.3432	3.5645	5.4005	8.1497	12.2505	18.3444	27.3666	40.6761	60.2401	88.8972	130.7299	191.5901	279.8392	407.3870	591.1443	855.0511	1232.8956	1772.2270	2539.7653
44	1.5493	2.3901	3.6715	5.6165	8.5572	12.9855	19.6285	29.5560	44.3370	66.2641	98.6759	146.4175	216.4968	319.0167	468.4950	685.7274	1000.4098	1454.8168	2108.9501	3047.7183
45	1.5648	2.4379	3.7816	5.8412	8.9850	13.7646	21.0025	31.9204	48.3273	72.8905	109.5302	163.9876	244.6414	363.6791	538.7693	795.4438	1170.4794	1716.6839	2509.6506	3657.2620
46	1.5805	2.4866	3.8950	6.0748	9.4343	14.5905	22.4726	34.4741	52.6767	80.1795	121.5786	183.6661	276.4448	414.5941	619.5847	922.7148	1369.4609	2025.6870	2986.4842	4388.7144
47	1.5963	2.5363	4.0119	6.3178	9.9060	15.4659	24.0457	37.2320	57.4176	88.1975	134.9522	205.7061	312.3826	472.6373	712.5224	1070.3492	1602.2693	2390.3106	3553.9162	5266.4573
48	1.6122	2.5871	4.1323	6.5705	10.4013	16.3939	25.7289	40.2106	62.5852	97.0172	149.7970	230.3908	352.9923	538.8065	819.4007	1241.6051	1874.6550	2820.5665	4229.1603	6319.7487
49	1.6283	2.6388	4.2562	6.8333	10.9213	17.3775	27.5299	43.4274	68.2179	106.7190	166.2746	258.0377	398.8813	614.2395	942.3108	1440.2619	2193.3464	3328.2685	5032.7008	7583.6985
50	1.6446	2.6916	4.3839	7.1067	11.4674	18.4202	29.4570	46.9016	74.3575	117.3909	184.5648	289.0022	450.7359	700.2330	1083.6574	1670.7038	2566.2153	3927.3569	5988.9139	9100.4382

Future value of an ordinary annuity of 1

Multiply an amount invested at the end of each period, for n periods.

At 7% for 15 periods: (1.07^15 - 1) / 0.07 = 25.1290.

FVA = ((1 + r)^n - 1) / r

Future value of an ordinary annuity of 1
Periods (n)	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	17%	18%	19%	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	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	2.1100	2.1200	2.1300	2.1400	2.1500	2.1600	2.1700	2.1800	2.1900	2.2000
3	3.0301	3.0604	3.0909	3.1216	3.1525	3.1836	3.2149	3.2464	3.2781	3.3100	3.3421	3.3744	3.4069	3.4396	3.4725	3.5056	3.5389	3.5724	3.6061	3.6400
4	4.0604	4.1216	4.1836	4.2465	4.3101	4.3746	4.4399	4.5061	4.5731	4.6410	4.7097	4.7793	4.8498	4.9211	4.9934	5.0665	5.1405	5.2154	5.2913	5.3680
5	5.1010	5.2040	5.3091	5.4163	5.5256	5.6371	5.7507	5.8666	5.9847	6.1051	6.2278	6.3528	6.4803	6.6101	6.7424	6.8771	7.0144	7.1542	7.2966	7.4416
6	6.1520	6.3081	6.4684	6.6330	6.8019	6.9753	7.1533	7.3359	7.5233	7.7156	7.9129	8.1152	8.3227	8.5355	8.7537	8.9775	9.2068	9.4420	9.6830	9.9299
7	7.2135	7.4343	7.6625	7.8983	8.1420	8.3938	8.6540	8.9228	9.2004	9.4872	9.7833	10.0890	10.4047	10.7305	11.0668	11.4139	11.7720	12.1415	12.5227	12.9159
8	8.2857	8.5830	8.8923	9.2142	9.5491	9.8975	10.2598	10.6366	11.0285	11.4359	11.8594	12.2997	12.7573	13.2328	13.7268	14.2401	14.7733	15.3270	15.9020	16.4991
9	9.3685	9.7546	10.1591	10.5828	11.0266	11.4913	11.9780	12.4876	13.0210	13.5795	14.1640	14.7757	15.4157	16.0853	16.7858	17.5185	18.2847	19.0859	19.9234	20.7989
10	10.4622	10.9497	11.4639	12.0061	12.5779	13.1808	13.8164	14.4866	15.1929	15.9374	16.7220	17.5487	18.4197	19.3373	20.3037	21.3215	22.3931	23.5213	24.7089	25.9587
11	11.5668	12.1687	12.8078	13.4864	14.2068	14.9716	15.7836	16.6455	17.5603	18.5312	19.5614	20.6546	21.8143	23.0445	24.3493	25.7329	27.1999	28.7551	30.4035	32.1504
12	12.6825	13.4121	14.1920	15.0258	15.9171	16.8699	17.8885	18.9771	20.1407	21.3843	22.7132	24.1331	25.6502	27.2707	29.0017	30.8502	32.8239	34.9311	37.1802	39.5805
13	13.8093	14.6803	15.6178	16.6268	17.7130	18.8821	20.1406	21.4953	22.9534	24.5227	26.2116	28.0291	29.9847	32.0887	34.3519	36.7862	39.4040	42.2187	45.2445	48.4966
14	14.9474	15.9739	17.0863	18.2919	19.5986	21.0151	22.5505	24.2149	26.0192	27.9750	30.0949	32.3926	34.8827	37.5811	40.5047	43.6720	47.1027	50.8180	54.8409	59.1959
15	16.0969	17.2934	18.5989	20.0236	21.5786	23.2760	25.1290	27.1521	29.3609	31.7725	34.4054	37.2797	40.4175	43.8424	47.5804	51.6595	56.1101	60.9653	66.2607	72.0351
16	17.2579	18.6393	20.1569	21.8245	23.6575	25.6725	27.8881	30.3243	33.0034	35.9497	39.1899	42.7533	46.6717	50.9804	55.7175	60.9250	66.6488	72.9390	79.8502	87.4421
17	18.4304	20.0121	21.7616	23.6975	25.8404	28.2129	30.8402	33.7502	36.9737	40.5447	44.5008	48.8837	53.7391	59.1176	65.0751	71.6730	78.9792	87.0680	96.0218	105.9306
18	19.6147	21.4123	23.4144	25.6454	28.1324	30.9057	33.9990	37.4502	41.3013	45.5992	50.3959	55.7497	61.7251	68.3941	75.8364	84.1407	93.4056	103.7403	115.2659	128.1167
19	20.8109	22.8406	25.1169	27.6712	30.5390	33.7600	37.3790	41.4463	46.0185	51.1591	56.9395	63.4397	70.7494	78.9692	88.2118	98.6032	110.2846	123.4135	138.1664	154.7400
20	22.0190	24.2974	26.8704	29.7781	33.0660	36.7856	40.9955	45.7620	51.1601	57.2750	64.2028	72.0524	80.9468	91.0249	102.4436	115.3797	130.0329	146.6280	165.4180	186.6880
21	23.2392	25.7833	28.6765	31.9692	35.7193	39.9927	44.8652	50.4229	56.7645	64.0025	72.2651	81.6987	92.4699	104.7684	118.8101	134.8405	153.1385	174.0210	197.8474	225.0256
22	24.4716	27.2990	30.5368	34.2480	38.5052	43.3923	49.0057	55.4568	62.8733	71.4027	81.2143	92.5026	105.4910	120.4360	137.6316	157.4150	180.1721	206.3448	236.4385	271.0307
23	25.7163	28.8450	32.4529	36.6179	41.4305	46.9958	53.4361	60.8933	69.5319	79.5430	91.1479	104.6029	120.2048	138.2970	159.2764	183.6014	211.8013	244.4868	282.3618	326.2369
24	26.9735	30.4219	34.4265	39.0826	44.5020	50.8156	58.1767	66.7648	76.7898	88.4973	102.1742	118.1552	136.8315	158.6586	184.1678	213.9776	248.8076	289.4945	337.0105	392.4842
25	28.2432	32.0303	36.4593	41.6459	47.7271	54.8645	63.2490	73.1059	84.7009	98.3471	114.4133	133.3339	155.6196	181.8708	212.7930	249.2140	292.1049	342.6035	402.0425	471.9811
26	29.5256	33.6709	38.5530	44.3117	51.1135	59.1564	68.6765	79.9544	93.3240	109.1818	127.9988	150.3339	176.8501	208.3327	245.7120	290.0883	342.7627	405.2721	479.4306	567.3773
27	30.8209	35.3443	40.7096	47.0842	54.6691	63.7058	74.4838	87.3508	102.7231	121.0999	143.0786	169.3740	200.8406	238.4993	283.5688	337.5024	402.0323	479.2211	571.5224	681.8528
28	32.1291	37.0512	42.9309	49.9676	58.4026	68.5281	80.6977	95.3388	112.9682	134.2099	159.8173	190.6989	227.9499	272.8892	327.1041	392.5028	471.3778	566.4809	681.1116	819.2233
29	33.4504	38.7922	45.2189	52.9663	62.3227	73.6398	87.3465	103.9659	124.1354	148.6309	178.3972	214.5828	258.5834	312.0937	377.1697	456.3032	552.5121	669.4475	811.5228	984.0680
30	34.7849	40.5681	47.5754	56.0849	66.4388	79.0582	94.4608	113.2832	136.3075	164.4940	199.0209	241.3327	293.1992	356.7868	434.7451	530.3117	647.4391	790.9480	966.7122	1181.8816
31	36.1327	42.3794	50.0027	59.3283	70.7608	84.8017	102.0730	123.3459	149.5752	181.9434	221.9132	271.2926	332.3151	407.7370	500.9569	616.1616	758.5038	934.3186	1151.3875	1419.2579
32	37.4941	44.2270	52.5028	62.7015	75.2988	90.8898	110.2182	134.2135	164.0370	201.1378	247.3236	304.8477	376.5161	465.8202	577.1005	715.7475	888.4494	1103.4960	1371.1511	1704.1095
33	38.8690	46.1116	55.0778	66.2095	80.0638	97.3432	118.9334	145.9506	179.8003	222.2515	275.5292	342.4294	426.4632	532.0350	664.6655	831.2671	1040.4858	1303.1253	1632.6698	2045.9314
34	40.2577	48.0338	57.7302	69.8579	85.0670	104.1838	128.2588	158.6267	196.9823	245.4767	306.8374	384.5210	482.9034	607.5199	765.3654	965.2698	1218.3684	1538.6878	1943.8771	2456.1176
35	41.6603	49.9945	60.4621	73.6522	90.3203	111.4348	138.2369	172.3168	215.7108	271.0244	341.5896	431.6635	546.6808	693.5727	881.1702	1120.7130	1426.4910	1816.6516	2314.2137	2948.3411
36	43.0769	51.9944	63.2759	77.5983	95.8363	119.1209	148.9135	187.1021	236.1247	299.1268	380.1644	484.4631	618.7493	791.6729	1014.3457	1301.0270	1669.9945	2144.6489	2754.9143	3539.0094
37	44.5076	54.0343	66.1742	81.7022	101.6281	127.2681	160.3374	203.0703	258.3759	330.0395	422.9825	543.5987	700.1867	903.5071	1167.4975	1510.1914	1954.8936	2531.6857	3279.3481	4247.8112
38	45.9527	56.1149	69.1594	85.9703	107.7095	135.9042	172.5610	220.3159	282.6298	364.0434	470.5106	609.8305	792.2110	1030.9981	1343.6222	1752.8220	2288.2255	2988.3891	3903.4242	5098.3735
39	47.4123	58.2372	72.2342	90.4091	114.0950	145.0585	185.6403	238.9412	309.0665	401.4478	523.2667	684.0102	896.1984	1176.3378	1546.1655	2034.2735	2678.2238	3527.2992	4646.0748	6119.0482
40	48.8864	60.4020	75.4013	95.0255	120.7998	154.7620	199.6351	259.0565	337.8824	442.5926	581.8261	767.0914	1013.7042	1342.0251	1779.0903	2360.7572	3134.5218	4163.2130	5529.8290	7343.8578
41	50.3752	62.6100	78.6633	99.8265	127.8398	165.0477	214.6096	280.7810	369.2919	487.8518	646.8269	860.1424	1146.4858	1530.9086	2046.9539	2739.4784	3668.3906	4913.5914	6581.4965	8813.6294
42	51.8790	64.8622	82.0232	104.8196	135.2318	175.9505	230.6322	304.2435	403.5281	537.6370	718.9779	964.3595	1296.5289	1746.2358	2354.9969	3178.7949	4293.0169	5799.0378	7832.9808	10577.3553
43	53.3978	67.1595	85.4839	110.0124	142.9933	187.5076	247.7765	329.5830	440.8457	592.4007	799.0655	1081.0826	1466.0777	1991.7088	2709.2465	3688.4021	5023.8298	6843.8646	9322.2472	12693.8263
44	54.9318	69.5027	89.0484	115.4129	151.1430	199.7580	266.1209	356.9496	481.5218	652.6408	887.9627	1211.8125	1657.6678	2271.5481	3116.6334	4279.5465	5878.8809	8076.7603	11094.4741	15233.5916
45	56.4811	71.8927	92.7199	121.0294	159.7002	212.7435	285.7493	386.5056	525.8587	718.9048	986.6386	1358.2300	1874.1646	2590.5648	3585.1285	4965.2739	6879.2907	9531.5771	13203.4242	18281.3099
46	58.0459	74.3306	96.5015	126.8706	168.6852	226.5081	306.7518	418.4261	574.1860	791.7953	1096.1688	1522.2176	2118.8060	2954.2439	4123.8977	5760.7177	8049.7701	11248.2610	15713.0748	21938.5719
47	59.6263	76.8172	100.3965	132.9454	178.1194	241.0986	329.2244	452.9002	626.8628	871.9749	1217.7474	1705.8838	2395.2508	3368.8380	4743.4824	6683.4326	9419.2310	13273.9480	18699.5590	26327.2863
48	61.2226	79.3535	104.4084	139.2632	188.0254	256.5645	353.2701	490.1322	684.2804	960.1723	1352.6996	1911.5898	2707.6334	3841.4753	5456.0047	7753.7818	11021.5002	15664.2586	22253.4753	31593.7436
49	62.8348	81.9406	108.5406	145.8337	198.4267	272.9584	378.9990	530.3427	746.8656	1057.1896	1502.4965	2141.9806	3060.6258	4380.2819	6275.4055	8995.3869	12896.1553	18484.8251	26482.6356	37913.4923
50	64.4632	84.5794	112.7969	152.6671	209.3480	290.3359	406.5289	573.7702	815.0836	1163.9085	1668.7712	2400.0182	3459.5071	4994.5213	7217.7163	10435.6488	15089.5017	21813.0937	31515.3363	45497.1908

Factors print to 4 decimal places, the exam convention. The calculator above keeps full precision until it prints, so the two can differ in the last place on purpose.

Notes on reading these tables

These are ordinary annuities. Both annuity tables assume each payment falls at the end of its period. For an annuity due, where payments fall at the start, multiply the ordinary annuity factor by (1 + r).

Copy a cell as it stands. The tables carry no thousands separators, so any figure can go straight into a spreadsheet.

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