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Single Payment Uniform Series Uniform Uniform Uniform

Factor Single Payment Uniform Series Capital Uniform Series Columns
Compound Compound Gradient Present Gradient Future Gadient
Name present worth Sinking Fund Recovery Present Worth are Input
Amount Amount Worth Worth Uniform Series
Values
Annual Annual Number of
Interest Rate Converts P to F F to P F to A P to A A to F A to P G to P G to F G to A
Interest Interest Compounding
Periods per per Period, i
r = Annual Interest Rate
Rate, r Rate, r
(Decimal) (Percent) Year, m
Symbol (F/P,i%,n) (P/F,i%,n) (A/F,i%,n) (A/P,i%,n) (F/A,i%,n) (P/A,i%,n) (P/G,i%,n) (F/G,i%,n) (A/G,i%,n) m = No. of Compounding Periods per Year
No. of n i = Interest Rate Per
r No. of Periods, n i i(1+i)n (1+i)n −1 n
(1+i) −1 (1+i) −1 n (1+i)n −1 n 1 n
i=
m Years n (1+i) (1+i)−n ( 1+i)n −1 ( 1+i )n −1 i i (1+i)n
−
i2 (1+i)n i(1+i)n i2
−
i
−
i (1+i )n −1
Period
Periods
n = total number of
=mxn

0.005 12 0.00042 1 12 1.0050 0.9950 0.0831 0.0836 12.0275 11.9676 65.7622 66.0918 5.4950
0.005 i = 0.5 12 0.00042 5 60 1.0253 0.9753 0.0165 0.0169 60.7435 59.2440 1740.2969 1784.3434 29.3751
0.005 12 0.00042 10 120 1.0513 0.9512 0.0081 0.0085 123.0244 117.0256 6904.5295 7258.4567 59.0002

0.03 i =3 12 0.00250 1 12 1.0304 0.9705 0.0822 0.0847 12.1664 11.8073 64.5886 66.5531 5.4702
0.03 i =3 12 0.00250 2 24 1.0618 0.9418 0.0405 0.0430 24.7028 23.2660 264.7753 281.1271 11.3804

0.04 12 0.00333 1 12 1.0407 0.9609 0.0818 0.0851 12.2225 11.7440 64.1263 66.7389 5.4603
0.04 12 0.00333 2 24 1.0831 0.9232 0.0401 0.0434 24.9429 23.0283 261.1533 282.8663 11.3406
0.04 12 0.00333 3 36 1.1273 0.8871 0.0262 0.0295 38.1816 33.8708 580.5775 654.4687 17.1410
i=4
0.04 12 0.00333 4 48 1.1732 0.8524 0.0192 0.0226 51.9596 44.2888 1012.5142 1187.8803 22.8616
0.04 12 0.00333 5 60 1.2210 0.8190 0.0151 0.0184 66.2990 54.2991 1547.6648 1889.6935 28.5026
0.04 12 0.00333 6 72 1.2707 0.7869 0.0123 0.0156 81.2226 63.9174 2177.2865 2766.7691 34.0640

0.05 12 0.00417 1 12 1.0512 0.9513 0.0814 0.0856 12.2789 11.6812 63.6679 66.9253 5.4505
0.05 12 0.00417 2 24 1.1049 0.9050 0.0397 0.0439 25.1859 22.7939 257.5892 284.6209 11.3008
0.05 12 0.00417 3 36 1.1615 0.8610 0.0258 0.0300 38.7533 33.3657 568.9336 660.8005 17.0514
0.05 12 0.00417 4 48 1.2209 0.8191 0.0189 0.0230 53.0149 43.4230 985.8113 1203.5724 22.7025
0.05 12 0.00417 5 60 1.2834 0.7792 0.0147 0.0189 68.0061 52.9907 1497.2119 1921.4599 28.2542
0.05 12 0.00417 6 72 1.3490 0.7413 0.0119 0.0161 83.7643 62.0928 2092.9466 2823.4221 33.7068
0.05 i =5 12 0.00417 8 96 1.4906 0.6709 0.0085 0.0127 117.7405 78.9894 3500.4520 5217.7230 44.3154
0.05 12 0.00417 10 120 1.6470 0.6072 0.0064 0.0106 155.2823 94.2814 5141.2861 8467.7471 54.5313
0.05 12 0.00417 12 144 1.8198 0.5495 0.0051 0.0092 196.7637 108.1209 6958.4323 12663.2951 64.3579
0.05 12 0.00417 14 168 2.0108 0.4973 0.0041 0.0083 242.5983 120.6461 8903.5996 17903.5917 73.7993
0.05 12 0.00417 16 192 2.2218 0.4501 0.0034 0.0076 293.2428 131.9817 10936.0796 24298.2741 82.8606
0.05 12 0.00417 18 216 2.4550 0.4073 0.0029 0.0070 349.2020 142.2407 13021.7415 31968.4852 91.5473
0.05 12 0.00417 20 240 2.7126 0.3686 0.0024 0.0066 411.0337 151.5253 15132.1503 41048.0804 99.8655

0.06 12 0.00500 1 12 1.0617 0.9419 0.0811 0.0861 12.3356 11.6189 63.2136 67.1125 5.4406
0.06 12 0.00500 2 24 1.1272 0.8872 0.0393 0.0443 25.4320 22.5629 254.0820 286.3910 11.2611
0.06 i=6 12 0.00500 3 36 1.1967 0.8356 0.0254 0.0304 39.3361 32.8710 557.5598 667.2210 16.9621
0.06 12 0.00500 4 48 1.2705 0.7871 0.0185 0.0235 54.0978 42.5803 959.9188 1219.5664 22.5437
0.06 12 0.00500 10 120 1.8194 0.5496 0.0061 0.0111 163.8793 90.0735 4823.5051 8775.8694 53.5508

0.08 12 0.00667 1 12 1.0830 0.9234 0.0803 0.0870 12.4499 11.4958 62.3167 67.4889 5.4208
0.08 12 0.00667 2 24 1.1729 0.8526 0.0386 0.0452 25.9332 22.1105 247.2346 289.9785 11.1818

i =8
 Yellow
Single Payment Uniform Series Uniform Uniform Uniform
Factor Single Payment Uniform Series Capital Uniform Series Columns
Compound Compound Gradient Present Gradient Future Gadient
Name present worth Sinking Fund Recovery Present Worth are Input
Amount Amount Worth Worth Uniform Series
Values
Annual Annual Number of
Interest Rate Converts P to F F to P F to A P to A A to F A to P G to P G to F G to A
Interest Interest Compounding
Periods per per Period, i
r = Annual Interest Rate
Rate, r Rate, r
(Decimal) (Percent) Year, m
Symbol (F/P,i%,n) (P/F,i%,n) (A/F,i%,n) (A/P,i%,n) (F/A,i%,n) (P/A,i%,n) (P/G,i%,n) (F/G,i%,n) (A/G,i%,n) m = No. of Compounding Periods per Year
No. of n i = Interest Rate Per
r No. of Periods, n i i(1+i)n (1+i)n −1 n
(1+i) −1 (1+i) −1 n (1+i)n −1 n 1 n
i=
m Years n (1+i) (1+i)−n ( 1+i)n −1 ( 1+i )n −1 i i (1+i)n
−
i2 (1+i)n i(1+i)n i2
−
i
−
i (1+i )n −1
Period
Periods
n = total number of
=mxn
0.08 12 0.00667 3 36 1.2702 0.7873 0.0247 0.0313 40.5356 31.9118 535.5958 680.3337 16.7836
0.08 12 0.00667 4 48 1.3757 0.7269 0.0177 0.0244 56.3499 40.9619 910.4588 1252.4873 22.2270
0.08 12 0.00667 5 60 1.4898 0.6712 0.0136 0.0203 73.4769 49.3184 1356.8710 2021.5284 27.5125
0.08 i =8 12 0.00667 6 72 1.6135 0.6198 0.0109 0.0175 92.0253 57.0345 1861.6639 3003.7988 32.6410
0.08 12 0.00667 8 96 1.8925 0.5284 0.0075 0.0141 133.8686 70.7380 3001.5407 5680.2874 42.4318
0.08 12 0.00667 10 120 2.2196 0.4505 0.0055 0.0121 182.9460 82.4215 4253.7998 9441.9053 51.6103
0.08 12 0.00667 12 144 2.6034 0.3841 0.0042 0.0108 240.5084 92.3828 5560.5431 14476.2580 60.1902
0.08 12 0.00667 14 168 3.0535 0.3275 0.0032 0.0099 308.0226 100.8758 6878.4992 21003.3861 68.1878
0.08 12 0.00667 16 192 3.5814 0.2792 0.0026 0.0092 387.2091 108.1169 8175.9699 29281.3724 75.6216

0.10 12 0.00833 1 12 1.1047 0.9052 0.0796 0.0879 12.5656 11.3745 61.4351 67.8682 5.4011
0.10 12 0.00833 2 24 1.2204 0.8194 0.0378 0.0461 26.4469 21.6709 240.6031 293.6298 11.1026
0.10 12 0.00833 3 36 1.3482 0.7417 0.0239 0.0323 41.7818 30.9912 514.6328 693.8185 16.6058
0.10 12 0.00833 4 48 1.4894 0.6714 0.0170 0.0254 58.7225 39.4282 863.9309 1286.6990 21.9115
0.10 12 0.00833 5 60 1.6453 0.6078 0.0129 0.0212 77.4371 47.0654 1271.7664 2092.4487 27.0213
i = 10
0.10 12 0.00833 6 72 1.8176 0.5502 0.0102 0.0185 98.1113 53.9787 1723.9038 3133.3576 31.9368
0.10 12 0.00833 8 96 2.2182 0.4508 0.0068 0.0152 146.1811 65.9015 2714.7215 6021.7291 41.1936
0.10 12 0.00833 10 120 2.7070 0.3694 0.0049 0.0132 204.8450 75.6712 3761.0792 10181.3975 49.7029
0.10 12 0.00833 12 144 3.3036 0.3027 0.0036 0.0120 276.4379 83.6765 4810.6035 15892.5451 57.4905
0.10 12 0.00833 14 168 4.0317 0.2480 0.0027 0.0111 363.8092 90.2362 5828.0258 23497.1041 64.5863

0.15 12 0.01250 1 12 1.1608 0.8615 0.0778 0.0903 12.8604 11.0793 59.2967 68.8289 5.3520
0.15 12 0.01250 2 24 1.3474 0.7422 0.0360 0.0485 27.7881 20.6242 224.9204 303.0467 10.9056
0.15 12 0.01250 3 36 1.5639 0.6394 0.0222 0.0347 45.1155 28.8473 466.2830 729.2404 16.1639
0.15 12 0.01250 4 48 1.8154 0.5509 0.0153 0.0278 65.2284 35.9315 759.2296 1378.2711 21.1299
0.15 12 0.01250 5 60 2.1072 0.4746 0.0113 0.0238 88.5745 42.0346 1084.8429 2285.9606 25.8083
i = 15
0.15 12 0.01250 6 72 2.4459 0.4088 0.0086 0.0211 115.6736 47.2925 1428.4561 3493.8897 30.2047
0.15 12 0.01250 8 96 3.2955 0.3034 0.0054 0.0179 183.6411 55.7246 2127.5244 7011.2848 38.1793
0.15 12 0.01250 10 120 4.4402 0.2252 0.0036 0.0161 275.2171 61.9828 2796.5694 12417.3647 45.1184
0.15 12 0.01250 12 144 5.9825 0.1672 0.0025 0.0150 398.6021 66.6277 3404.6097 20368.1661 51.0990
0.15 12 0.01250 14 168 8.0606 0.1241 0.0018 0.0143 564.8450 70.0751 3938.6334 31747.6009 56.2059

0.25 12 0.02083 1 12 1.2807 0.7808 0.0742 0.0950 13.4751 10.5214 55.2852 70.8055 5.2545
0.25 12 0.02083 2 24 1.6403 0.6097 0.0325 0.0534 30.7331 18.7366 197.0341 323.1898 10.5160
0.25 12 0.02083 3 36 2.1007 0.4760 0.0189 0.0398 52.8360 25.1510 384.6853 808.1276 15.2950
0.25 12 0.02083 4 48 2.6905 0.3717 0.0123 0.0332 81.1438 30.1594 591.3050 1590.9042 19.6060
0.25 12 0.02083 5 60 3.4458 0.2902 0.0085 0.0294 117.3986 34.0700 799.5615 2755.1322 23.4682
i = 25
 Yellow
Single Payment Uniform Series Uniform Uniform Uniform
Factor Single Payment Uniform Series Capital Uniform Series Columns
Compound Compound Gradient Present Gradient Future Gadient
Name present worth Sinking Fund Recovery Present Worth are Input
Amount Amount Worth Worth Uniform Series
Values
Annual Annual Number of
Interest Rate Converts P to F F to P F to A P to A A to F A to P G to P G to F G to A
Interest Interest Compounding
Periods per per Period, i
r = Annual Interest Rate
Rate, r Rate, r
(Decimal) (Percent) Year, m
Symbol (F/P,i%,n) (P/F,i%,n) (A/F,i%,n) (A/P,i%,n) (F/A,i%,n) (P/A,i%,n) (P/G,i%,n) (F/G,i%,n) (A/G,i%,n) m = No. of Compounding Periods per Year
No. of n i = Interest Rate Per
r No. of Periods, n i i(1+i)n (1+i)n −1 n
(1+i) −1 (1+i) −1 n (1+i)n −1 n 1 n
i=
m Years n (1+i) (1+i)−n ( 1+i)n −1 ( 1+i )n −1 i i (1+i)n
−
i2 (1+i)n i(1+i)n i2
−
i
−
i (1+i )n −1
Period
Periods
n = total number of
=mxn
i = 25
0.25 12 0.02083 6 72 4.4131 0.2266 0.0061 0.0269 163.8312 37.1234 998.8098 4407.8972 26.9051
0.25 12 0.02083 8 96 7.2388 0.1381 0.0033 0.0242 299.4611 41.3690 1349.1419 9766.1306 32.6124
0.25 12 0.02083 10 120 11.8736 0.0842 0.0019 0.0227 521.9311 43.9574 1624.8442 19292.6928 36.9641
0.25 12 0.02083 12 144 19.4759 0.0513 0.0011 0.0220 886.8428 45.5354 1830.7996 35656.4536 40.2061
0.25 12 0.02083 14 168 31.9458 0.0313 0.0007 0.0215 1485.3977 46.4975 1979.4501 63235.0888 42.5712