COMPOUNDING AND DISCOUNTING TABLES

TABLE 1. AMOUNT OF 1 The amount to which 1 will grow if invested at i

rate of interest and for periods n.
Amount of 1
=
(1 + i) n
Rates of interest (i)
Periods (n) 3%
4%
5%
1
1.0300 1.0400 1.0500
2
1.0609 1.0816 1.1025
3
1.0927 1.1249 1.1576
4
1.1255 1.1699 1.2155
5
1.1593 1.2167 1.2763
6
1.1941 1.2653 1.3401
7
1.2299 1.3195 1.4071
8
1.2668 1.3686 1.4775
9
1.3048 1.4233 1.5513
10
1.3439 1.4802 1.6289
15
1.5580 1.8009 2.0789
20
1.8061 2.1911 2.6533
25
2.0938 2.6658 3.3864

6%
1.0600
1.1236
1.1910
1.2625
1.3382
1.4185
1.5036
1.5938
1.6895
1.7908
2.3966
3.2071
4.2919

7%
1.0700
1.1449
1.2250
1.3108
1.4026
1.5007
1.6058
1.7182
1.8385
1.9672
2.7590
3.3697
5.4274

8%
1.0800
1.1664
1.2597
1.3605
1.4693
1.5869
1.7138
1.8509
1.9990
2.1589
3.1722
4.6610
5.8485

9%
1.0900
1.1881
1.2950
1.4116
1.5386
1.6771
1.8280
1.9926
2.1719
2.3674
3.6425
5.6044
8.6231

10%
1.1000
1.2100
1.3310
1.4641
1.6105
1.7716
1.9487
2.1436
2.3579
2.5937
4.1772
6.7275
10.8347

TABLE 2. PRESENT VALUE OF 1

The present value of 1 receivable or

payable in n periods in the future at i rate of interest. OR The amount which if invested
now will produce 1 at i rate of interest in n periods.
PV of 1
Periods (n)
1
2
3
4
5
6
7
8
9
10
15
20
25

1
(1 i) n

Rates of interest (i)

3%
4%
5%
.97087 .96154 .95238
.94260 .92456 .90703
.91514 .88900 .86384
.88849 .85480 .82270
.86261 .82193 .78353
.83748 .79031 .74622
.81309 .75992 .71068
.78942 .73069 .67684
.76642 .70259 .64461
.74409 .67556 .61391
.64186 .55526 .48102
.55368 .45639 .37689
.47761 .37512 .29530

6%
.94340
.89000
83962
.79209
.74726
.70496
.66506
.62741
.59190
.55839
.41727
.31180
.23300

7%
.93458
.87344
81630
.76290
.71299
.66634
.62775
.58201
.54393
.50835
.36245
.25842
.18452

8%
.92593
.85734
.79383
.73503
.68058
.63017
.58349
.54027
.50025
.46319
.31524
.22455
.14602

9%
.91743
.84168
.77218
.70843
.64993
.59627
.54703
.50187
.46043
.42241
.27454
.17843
.11597

10%
.90909
.82645
.75131
.68301
.62092
.56447
.51316
.46651
.42410
.38554
.23939
.14864
.09230

TABLE 3. AMOUNT OF 1 PER PERIOD. The amount to which 1 per

period will grow if invested at i rate of interest for n periods.
Amount of 1 per period

(1 i ) n
i

Rates of interest (i)

Periods 3%
4%
5%
(n)
1
1.0000 1.0000 1.0000
2
2.0300 2.0400 2.0500
3
3.0900 3.1216 3.1525
4
4.1836 4.2465 4.3101
5
5.3091 5.4163 5.5256
6
6.4684 6.6330 6.8019
7
7.6625 7.8983 8.1420
8
8.8923 9.2142 9.5491
9
10.1591 10.5828 11.0266
10
11.4639 12.0061 12.5779
20
26.8704 29.7781 33.0660
30
47.5754 56.0849 66.4388
40
75.4013 95.0255 120.800
50
112.797 152.667 209.348
60
163.053 237.991 353.584
70
230.594 364.291 588.529
80
321.363 551.245 971.229
90
443.349 827.983 1594.61
100
607.288 1237.62 2610.03

6%

7%

8%

9%

10%

1.0000
2.0600
3.1836
4.3746
5.6371
6.9753
8.3938
9.8975
11.4913
13.1808
36.7856
79.0582
154.762
290.336
533.128
967.932
1746.60
3141.08
5638.37

1.0000
2.0700
3.2149
4.4399
5.7507
7.1533
8.6540
10.2598
11.9780
13.8164
40.9955
94.4608
199.635
406.529
813.520
1614.13
3189.06
6287.19
12381.7

1.0000
2.0800
3.2464
4.5061
5.8666
7.3359
8.9228
10.6366
12.4876
14.4866
45.7620
113.283
259.057
573.770
1253.21
2720.08
5886.94
12723.9
27484.5

1.0000
2.0900
3.2781
4.5731
5.9847
7.5233
9.2004
11.0285
13.0210
15.1029
51.1601
136.308
337.882
815.084
1944.79
4619.22
10950.6
25939.2
61422.7

1.0000
2.1000
3.3100
4.6410
6.1051
7.1156
9.4872
11.4359
13.5795
15.9374
57.2750
164.494
442.593
1163.91
3034.82
7887.47
20474.0
20474.0
137796.0

TABLE 4. PRESENT VALUE OF 1 PER PERIOD. The present value of

1 payable or receivable periodically for n periods of time at i rate of interest OR the
amount which if invested now will produce 1 at i rate of interest periodically for n
periods.
PV of 1 per period

Periods (n)
1
2
3
4
5
6
7
8
9
10
20
30
40
50
60
70
80
90
100
Perpetuity

(1 i ) n
i (1 i )

1
n

Rates of interest (i)

3%
4%
5%
0.9709 0.9615 0.9542
1.9315 1.8861 1.8594
2.8286 2.7751 2.7232
3.7171 3.6299 3.5460
4.5795 4.4518 4.3295
5.4172 5.2421 5.0757
6.2303 6.0021 5.7864
7.0197 6.7327 6.4632
7.7861 7.4353 7.1078
8.5302 8.1109 7.7217
14.878 13.590 12.462
19.600 17.292 15.373
23.115 19.793 17.159
25.730 21.482 18.256
27.676 22.624 18.929
29.123 23.395 19.342
30.201 23.915 19.567
31.002 24.267 19.752
31.559 24.505 19.848
33.333 25.000 20.000

6%
0.9434
1.8334
2.6730
3.4651
4.2124
4.9137
5.5824
6.2098
6.8017
7.3601
11.470
13.765
15.046
15.762
16.161
16.385
16.509
16.579
16.618
16.667

7%
0.9346
1.8080
2.6243
3.3872
4.1002
4.7765
5.3693
5.9713
6.5125
7.0236
10.594
12.409
13.332
13.801
14.039
14.160
14.222
14.253
14.269
14.286

8%
0.9259
1.7833
2.5771
3.3121
3.9927
4.6229
5.2604
5.7466
6.2469
6.7101
9.8181
11.258
11.925
12.234
12.377
12.443
12.474
12.488
12.494
12.500

9%
0.9174
1.7591
2.5313
3.2397
3.8897
4.4859
5.0330
5.5348
5.9952
6.4177
9.1285
10.274
10.575
10.962
11.048
11.084
11.100
11.106
11.109
11.111

10%
0.9091
1.7355
2.4869
3.1699
3.7908
4.3553
4.8684
5.3349
5.7590
6.1466
8.5136
9.4269
9.7791
9.9148
9.9672
9.9873
9.9951
9.9991
9.9993
10.000