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FUTURE VALUE TABLE

Future value of one rupee invested today at given rate for n periods
End Yr 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00%
0 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1 1.010 1.020 1.030 1.040 1.050 1.060 1.070 1.080 1.090 1.100
2 1.020 1.040 1.061 1.082 1.103 1.124 1.145 1.166 1.188 1.210
3 1.030 1.061 1.093 1.125 1.158 1.191 1.225 1.260 1.295 1.331
4 1.041 1.082 1.126 1.170 1.216 1.262 1.311 1.360 1.412 1.464
5 1.051 1.104 1.159 1.217 1.276 1.338 1.403 1.469 1.539 1.611
6 1.062 1.126 1.194 1.265 1.340 1.419 1.501 1.587 1.677 1.772
7 1.072 1.149 1.230 1.316 1.407 1.504 1.606 1.714 1.828 1.949
8 1.083 1.172 1.267 1.369 1.477 1.594 1.718 1.851 1.993 2.144
9 1.094 1.195 1.305 1.423 1.551 1.689 1.838 1.999 2.172 2.358
10 1.105 1.219 1.344 1.480 1.629 1.791 1.967 2.159 2.367 2.594
11 1.116 1.243 1.384 1.539 1.710 1.898 2.105 2.332 2.580 2.853
12 1.127 1.268 1.426 1.601 1.796 2.012 2.252 2.518 2.813 3.138
13 1.138 1.294 1.469 1.665 1.886 2.133 2.410 2.720 3.066 3.452
14 1.149 1.319 1.513 1.732 1.980 2.261 2.579 2.937 3.342 3.797
15 1.161 1.346 1.558 1.801 2.079 2.397 2.759 3.172 3.642 4.177
16 1.173 1.373 1.605 1.873 2.183 2.540 2.952 3.426 3.970 4.595
17 1.184 1.400 1.653 1.948 2.292 2.693 3.159 3.700 4.328 5.054
18 1.196 1.428 1.702 2.026 2.407 2.854 3.380 3.996 4.717 5.560
19 1.208 1.457 1.754 2.107 2.527 3.026 3.617 4.316 5.142 6.116
20 1.220 1.486 1.806 2.191 2.653 3.207 3.870 4.661 5.604 6.727
21 1.232 1.516 1.860 2.279 2.786 3.400 4.141 5.034 6.109 7.400
22 1.245 1.546 1.916 2.370 2.925 3.604 4.430 5.437 6.659 8.140
23 1.257 1.577 1.974 2.465 3.072 3.820 4.741 5.871 7.258 8.954
24 1.270 1.608 2.033 2.563 3.225 4.049 5.072 6.341 7.911 9.850
25 1.282 1.641 2.094 2.666 3.386 4.292 5.427 6.848 8.623 10.835
26 1.295 1.673 2.157 2.772 3.556 4.549 5.807 7.396 9.399 11.918
27 1.308 1.707 2.221 2.883 3.733 4.822 6.214 7.988 10.245 13.110
28 1.321 1.741 2.288 2.999 3.920 5.112 6.649 8.627 11.167 14.421
29 1.335 1.776 2.357 3.119 4.116 5.418 7.114 9.317 12.172 15.863
30 1.348 1.811 2.427 3.243 4.322 5.743 7.612 10.063 13.268 17.449
31 1.361 1.848 2.500 3.373 4.538 6.088 8.145 10.868 14.462 19.194
32 1.375 1.885 2.575 3.508 4.765 6.453 8.715 11.737 15.763 21.114
33 1.389 1.922 2.652 3.648 5.003 6.841 9.325 12.676 17.182 23.225
34 1.403 1.961 2.732 3.794 5.253 7.251 9.978 13.690 18.728 25.548
35 1.417 2.000 2.814 3.946 5.516 7.686 10.677 14.785 20.414 28.102
36 1.431 2.040 2.898 4.104 5.792 8.147 11.424 15.968 22.251 30.913
37 1.445 2.081 2.985 4.268 6.081 8.636 12.224 17.246 24.254 34.004
38 1.460 2.122 3.075 4.439 6.385 9.154 13.079 18.625 26.437 37.404
39 1.474 2.165 3.167 4.616 6.705 9.704 13.995 20.115 28.816 41.145
40 1.489 2.208 3.262 4.801 7.040 10.286 14.974 21.725 31.409 45.259
FUTURE VALUE TABLE
Future value of one rupee invested today at given rate for n periods
End Yr 11.00% 12.00% 13.00% 14.00% 15.00% 16.00% 17.00% 18.00% 19.00% 20.00%
0 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1 1.110 1.120 1.130 1.140 1.150 1.160 1.170 1.180 1.190 1.200
2 1.232 1.254 1.277 1.300 1.323 1.346 1.369 1.392 1.416 1.440
3 1.368 1.405 1.443 1.482 1.521 1.561 1.602 1.643 1.685 1.728
4 1.518 1.574 1.630 1.689 1.749 1.811 1.874 1.939 2.005 2.074
5 1.685 1.762 1.842 1.925 2.011 2.100 2.192 2.288 2.386 2.488
6 1.870 1.974 2.082 2.195 2.313 2.436 2.565 2.700 2.840 2.986
7 2.076 2.211 2.353 2.502 2.660 2.826 3.001 3.185 3.379 3.583
8 2.305 2.476 2.658 2.853 3.059 3.278 3.511 3.759 4.021 4.300
9 2.558 2.773 3.004 3.252 3.518 3.803 4.108 4.435 4.785 5.160
10 2.839 3.106 3.395 3.707 4.046 4.411 4.807 5.234 5.695 6.192
11 3.152 3.479 3.836 4.226 4.652 5.117 5.624 6.176 6.777 7.430
12 3.498 3.896 4.335 4.818 5.350 5.936 6.580 7.288 8.064 8.916
13 3.883 4.363 4.898 5.492 6.153 6.886 7.699 8.599 9.596 10.699
14 4.310 4.887 5.535 6.261 7.076 7.988 9.007 10.147 11.420 12.839
15 4.785 5.474 6.254 7.138 8.137 9.266 10.539 11.974 13.590 15.407
16 5.311 6.130 7.067 8.137 9.358 10.748 12.330 14.129 16.172 18.488
17 5.895 6.866 7.986 9.276 10.761 12.468 14.426 16.672 19.244 22.186
18 6.544 7.690 9.024 10.575 12.375 14.463 16.879 19.673 22.901 26.623
19 7.263 8.613 10.197 12.056 14.232 16.777 19.748 23.214 27.252 31.948
20 8.062 9.646 11.523 13.743 16.367 19.461 23.106 27.393 32.429 38.338
21 8.949 10.804 13.021 15.668 18.822 22.574 27.034 32.324 38.591 46.005
22 9.934 12.100 14.714 17.861 21.645 26.186 31.629 38.142 45.923 55.206
23 11.026 13.552 16.627 20.362 24.891 30.376 37.006 45.008 54.649 66.247
24 12.239 15.179 18.788 23.212 28.625 35.236 43.297 53.109 65.032 79.497
25 13.585 17.000 21.231 26.462 32.919 40.874 50.658 62.669 77.388 95.396
26 15.080 19.040 23.991 30.167 37.857 47.414 59.270 73.949 92.092 114.475
27 16.739 21.325 27.109 34.390 43.535 55.000 69.345 87.260 109.589 137.371
28 18.580 23.884 30.633 39.204 50.066 63.800 81.134 102.967 130.411 164.845
29 20.624 26.750 34.616 44.693 57.575 74.009 94.927 121.501 155.189 197.814
30 22.892 29.960 39.116 50.950 66.212 85.850 111.065 143.371 184.675 237.376
31 25.410 33.555 44.201 58.083 76.144 99.586 129.946 169.177 219.764 284.852
32 28.206 37.582 49.947 66.215 87.565 115.520 152.036 199.629 261.519 341.822
33 31.308 42.092 56.440 75.485 100.700 134.003 177.883 235.563 311.207 410.186
34 34.752 47.143 63.777 86.053 115.805 155.443 208.123 277.964 370.337 492.224
35 38.575 52.800 72.069 98.100 133.176 180.314 243.503 327.997 440.701 590.668
36 42.818 59.136 81.437 111.834 153.152 209.164 284.899 387.037 524.434 708.802
37 47.528 66.232 92.024 127.491 176.125 242.631 333.332 456.703 624.076 850.562
38 52.756 74.180 103.987 145.340 202.543 281.452 389.998 538.910 742.651 1,020.675
39 58.559 83.081 117.506 165.687 232.925 326.484 456.298 635.914 883.754 1,224.810
40 65.001 93.051 132.782 188.884 267.864 378.721 533.869 750.378 1,051.668 1,469.772
FUTURE VALUE TABLE
Future value of one rupee invested today at given rate for n periods
End Yr 21.00% 22.00% 23.00% 24.00% 25.00% 26.00% 27.00% 28.00% 29.00% 30.00%
0 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1 1.210 1.220 1.230 1.240 1.250 1.260 1.270 1.280 1.290 1.300
2 1.464 1.488 1.513 1.538 1.563 1.588 1.613 1.638 1.664 1.690
3 1.772 1.816 1.861 1.907 1.953 2.000 2.048 2.097 2.147 2.197
4 2.144 2.215 2.289 2.364 2.441 2.520 2.601 2.684 2.769 2.856
5 2.594 2.703 2.815 2.932 3.052 3.176 3.304 3.436 3.572 3.713
6 3.138 3.297 3.463 3.635 3.815 4.002 4.196 4.398 4.608 4.827
7 3.797 4.023 4.259 4.508 4.768 5.042 5.329 5.629 5.945 6.275
8 4.595 4.908 5.239 5.590 5.960 6.353 6.768 7.206 7.669 8.157
9 5.560 5.987 6.444 6.931 7.451 8.005 8.595 9.223 9.893 10.604
10 6.727 7.305 7.926 8.594 9.313 10.086 10.915 11.806 12.761 13.786
11 8.140 8.912 9.749 10.657 11.642 12.708 13.862 15.112 16.462 17.922
12 9.850 10.872 11.991 13.215 14.552 16.012 17.605 19.343 21.236 23.298
13 11.918 13.264 14.749 16.386 18.190 20.175 22.359 24.759 27.395 30.288
14 14.421 16.182 18.141 20.319 22.737 25.421 28.396 31.691 35.339 39.374
15 17.449 19.742 22.314 25.196 28.422 32.030 36.062 40.565 45.587 51.186
16 21.114 24.086 27.446 31.243 35.527 40.358 45.799 51.923 58.808 66.542
17 25.548 29.384 33.759 38.741 44.409 50.851 58.165 66.461 75.862 86.504
18 30.913 35.849 41.523 48.039 55.511 64.072 73.870 85.071 97.862 112.455
19 37.404 43.736 51.074 59.568 69.389 80.731 93.815 108.890 126.242 146.192
20 45.259 53.358 62.821 73.864 86.736 101.721 119.145 139.380 162.852 190.050
21 54.764 65.096 77.269 91.592 108.420 128.169 151.314 178.406 210.080 247.065
22 66.264 79.418 95.041 113.574 135.525 161.492 192.168 228.360 271.003 321.184
23 80.180 96.889 116.901 140.831 169.407 203.480 244.054 292.300 349.593 417.539
24 97.017 118.205 143.788 174.631 211.758 256.385 309.948 374.144 450.976 542.801
25 117.391 144.210 176.859 216.542 264.698 323.045 393.634 478.905 581.759 705.641
26 142.043 175.936 217.537 268.512 330.872 407.037 499.916 612.998 750.468 917.333
27 171.872 214.642 267.570 332.955 413.590 512.867 634.893 784.638 968.104 1,192.533
28 207.965 261.864 329.112 412.864 516.988 646.212 806.314 1,004.336 1,248.855 1,550.293
29 251.638 319.474 404.807 511.952 646.235 814.228 1,024.019 1,285.550 1,611.022 2,015.381
30 304.482 389.758 497.913 634.820 807.794 1,025.927 1,300.504 1,645.505 2,078.219 2,619.996
31 368.423 475.505 612.433 787.177 1,009.742 1,292.668 1,651.640 2,106.246 2,680.902 3,405.994
32 445.792 580.116 753.292 976.099 1,262.177 1,628.761 2,097.583 2,695.995 3,458.364 4,427.793
33 539.408 707.741 926.550 1,210.363 1,577.722 2,052.239 2,663.930 3,450.873 4,461.290 5,756.130
34 652.683 863.444 1,139.656 1,500.850 1,972.152 2,585.821 3,383.191 4,417.118 5,755.064 7,482.970
35 789.747 1,053.402 1,401.777 1,861.054 2,465.190 3,258.135 4,296.653 5,653.911 7,424.032 9,727.860
36 955.594 1,285.150 1,724.186 2,307.707 3,081.488 4,105.250 5,456.749 7,237.006 9,577.002 12,646.219
37 1,156.269 1,567.883 2,120.748 2,861.557 3,851.860 5,172.615 6,930.071 9,263.367 12,354.332 16,440.084
38 1,399.085 1,912.818 2,608.520 3,548.330 4,814.825 6,517.495 8,801.190 11,857.110 15,937.089 21,372.109
39 1,692.893 2,333.638 3,208.480 4,399.930 6,018.531 8,212.044 11,177.511 15,177.101 20,558.844 27,783.742
40 2,048.400 2,847.038 3,946.430 5,455.913 7,523.164 10,347.175 14,195.439 19,426.689 26,520.909 36,118.865
FUTURE VALUE TABLE
Future value of one rupee invested today at given rate for n periods
End Yr 31.00% 32.00% 33.00% 34.00% 35.00% 36.00% 37.00% 38.00% 39.00% 40.00%
0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1 1.31 1.32 1.33 1.34 1.35 1.36 1.37 1.38 1.39 1.40
2 1.72 1.74 1.77 1.80 1.82 1.85 1.88 1.90 1.93 1.96
3 2.25 2.30 2.35 2.41 2.46 2.52 2.57 2.63 2.69 2.74
4 2.94 3.04 3.13 3.22 3.32 3.42 3.52 3.63 3.73 3.84
5 3.86 4.01 4.16 4.32 4.48 4.65 4.83 5.00 5.19 5.38
6 5.05 5.29 5.53 5.79 6.05 6.33 6.61 6.91 7.21 7.53
7 6.62 6.98 7.36 7.76 8.17 8.61 9.06 9.53 10.03 10.54
8 8.67 9.22 9.79 10.40 11.03 11.70 12.41 13.15 13.94 14.76
9 11.36 12.17 13.02 13.93 14.89 15.92 17.00 18.15 19.37 20.66
10 14.88 16.06 17.32 18.67 20.11 21.65 23.29 25.05 26.92 28.93
11 19.50 21.20 23.03 25.01 27.14 29.44 31.91 34.57 37.43 40.50
12 25.54 27.98 30.64 33.52 36.64 40.04 43.72 47.70 52.02 56.69
13 33.46 36.94 40.74 44.91 49.47 54.45 59.89 65.83 72.31 79.37
14 43.83 48.76 54.19 60.18 66.78 74.05 82.05 90.85 100.51 111.12
15 57.42 64.36 72.07 80.64 90.16 100.71 112.41 125.37 139.71 155.57
16 75.22 84.95 95.86 108.06 121.71 136.97 154.00 173.01 194.19 217.80
17 98.54 112.14 127.49 144.80 164.31 186.28 210.98 238.75 269.93 304.91
18 129.09 148.02 169.56 194.04 221.82 253.34 289.05 329.48 375.20 426.88
19 169.10 195.39 225.52 260.01 299.46 344.54 396.00 454.68 521.53 597.63
20 221.53 257.92 299.94 348.41 404.27 468.57 542.51 627.45 724.93 836.68
21 290.20 340.45 398.92 466.88 545.77 637.26 743.24 865.89 1,007.65 1,171.36
22 380.16 449.39 530.56 625.61 736.79 866.67 1,018.25 1,194.92 1,400.64 1,639.90
23 498.01 593.20 705.65 838.32 994.66 1,178.68 1,395.00 1,648.99 1,946.89 2,295.86
24 652.40 783.02 938.51 1,123.35 1,342.80 1,603.00 1,911.14 2,275.61 2,706.17 3,214.20
25 854.64 1,033.59 1,248.22 1,505.29 1,812.78 2,180.08 2,618.27 3,140.34 3,761.58 4,499.88
26 1,119.58 1,364.34 1,660.13 2,017.09 2,447.25 2,964.91 3,587.03 4,333.67 5,228.59 6,299.83
27 1,466.64 1,800.93 2,207.98 2,702.90 3,303.78 4,032.28 4,914.23 5,980.47 7,267.74 8,819.76
28 1,921.30 2,377.22 2,936.61 3,621.88 4,460.11 5,483.90 6,732.49 8,253.05 10,102.16 12,347.67
29 2,516.91 3,137.94 3,905.69 4,853.32 6,021.15 7,458.10 9,223.51 11,389.21 14,042.01 17,286.74
30 3,297.15 4,142.07 5,194.57 6,503.45 8,128.55 10,143.02 12,636.22 15,717.11 19,518.39 24,201.43
31 4,319.27 5,467.54 6,908.77 8,714.63 10,973.54 13,794.51 17,311.61 21,689.61 27,130.56 33,882.01
32 5,658.24 7,217.15 9,188.67 11,677.60 14,814.28 18,760.53 23,716.91 29,931.66 37,711.48 47,434.81
33 7,412.30 9,526.64 12,220.93 15,647.98 19,999.28 25,514.32 32,492.17 41,305.69 52,418.96 66,408.73
34 9,710.11 12,575.16 16,253.83 20,968.30 26,999.03 34,699.47 44,514.27 57,001.85 72,862.36 92,972.22
35 12,720.24 16,599.22 21,617.60 28,097.52 36,448.69 47,191.28 60,984.55 78,662.55 101,278.67 130,161.11
36 16,663.52 21,910.97 28,751.41 37,650.67 49,205.73 64,180.15 83,548.84 108,554.32 140,777.36 182,225.56
37 21,829.21 28,922.48 38,239.37 50,451.90 66,427.73 87,285.00 114,461.91 149,804.96 195,680.53 255,115.78
38 28,596.26 38,177.67 50,858.36 67,605.55 89,677.44 118,707.60 156,812.82 206,730.85 271,995.93 357,162.09
39 37,461.10 50,394.52 67,641.62 90,591.43 121,064.54 161,442.33 214,833.56 285,288.57 378,074.35 500,026.93
40 49,074.04 66,520.77 89,963.35 121,392.52 163,437.13 219,561.57 294,321.97 393,698.22 525,523.34 700,037.70
PRESENT VALUE TABLE
Present value of one rupee invested at a given rate to be received after n periods
End Yr 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00%
0 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000
1 0.99010 0.98039 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743 0.90909
2 0.98030 0.96117 0.94260 0.92456 0.90703 0.89000 0.87344 0.85734 0.84168 0.82645
3 0.97059 0.94232 0.91514 0.88900 0.86384 0.83962 0.81630 0.79383 0.77218 0.75131
4 0.96098 0.92385 0.88849 0.85480 0.82270 0.79209 0.76290 0.73503 0.70843 0.68301
5 0.95147 0.90573 0.86261 0.82193 0.78353 0.74726 0.71299 0.68058 0.64993 0.62092
6 0.94205 0.88797 0.83748 0.79031 0.74622 0.70496 0.66634 0.63017 0.59627 0.56447
7 0.93272 0.87056 0.81309 0.75992 0.71068 0.66506 0.62275 0.58349 0.54703 0.51316
8 0.92348 0.85349 0.78941 0.73069 0.67684 0.62741 0.58201 0.54027 0.50187 0.46651
9 0.91434 0.83676 0.76642 0.70259 0.64461 0.59190 0.54393 0.50025 0.46043 0.42410
10 0.90529 0.82035 0.74409 0.67556 0.61391 0.55839 0.50835 0.46319 0.42241 0.38554
11 0.89632 0.80426 0.72242 0.64958 0.58468 0.52679 0.47509 0.42888 0.38753 0.35049
12 0.88745 0.78849 0.70138 0.62460 0.55684 0.49697 0.44401 0.39711 0.35553 0.31863
13 0.87866 0.77303 0.68095 0.60057 0.53032 0.46884 0.41496 0.36770 0.32618 0.28966
14 0.86996 0.75788 0.66112 0.57748 0.50507 0.44230 0.38782 0.34046 0.29925 0.26333
15 0.86135 0.74301 0.64186 0.55526 0.48102 0.41727 0.36245 0.31524 0.27454 0.23939
16 0.85282 0.72845 0.62317 0.53391 0.45811 0.39365 0.33873 0.29189 0.25187 0.21763
17 0.84438 0.71416 0.60502 0.51337 0.43630 0.37136 0.31657 0.27027 0.23107 0.19784
18 0.83602 0.70016 0.58739 0.49363 0.41552 0.35034 0.29586 0.25025 0.21199 0.17986
19 0.82774 0.68643 0.57029 0.47464 0.39573 0.33051 0.27651 0.23171 0.19449 0.16351
20 0.81954 0.67297 0.55368 0.45639 0.37689 0.31180 0.25842 0.21455 0.17843 0.14864
21 0.81143 0.65978 0.53755 0.43883 0.35894 0.29416 0.24151 0.19866 0.16370 0.13513
22 0.80340 0.64684 0.52189 0.42196 0.34185 0.27751 0.22571 0.18394 0.15018 0.12285
23 0.79544 0.63416 0.50669 0.40573 0.32557 0.26180 0.21095 0.17032 0.13778 0.11168
24 0.78757 0.62172 0.49193 0.39012 0.31007 0.24698 0.19715 0.15770 0.12640 0.10153
25 0.77977 0.60953 0.47761 0.37512 0.29530 0.23300 0.18425 0.14602 0.11597 0.09230
26 0.77205 0.59758 0.46369 0.36069 0.28124 0.21981 0.17220 0.13520 0.10639 0.08391
27 0.76440 0.58586 0.45019 0.34682 0.26785 0.20737 0.16093 0.12519 0.09761 0.07628
28 0.75684 0.57437 0.43708 0.33348 0.25509 0.19563 0.15040 0.11591 0.08955 0.06934
29 0.74934 0.56311 0.42435 0.32065 0.24295 0.18456 0.14056 0.10733 0.08215 0.06304
30 0.74192 0.55207 0.41199 0.30832 0.23138 0.17411 0.13137 0.09938 0.07537 0.05731
31 0.73458 0.54125 0.39999 0.29646 0.22036 0.16425 0.12277 0.09202 0.06915 0.05210
32 0.72730 0.53063 0.38834 0.28506 0.20987 0.15496 0.11474 0.08520 0.06344 0.04736
33 0.72010 0.52023 0.37703 0.27409 0.19987 0.14619 0.10723 0.07889 0.05820 0.04306
34 0.71297 0.51003 0.36604 0.26355 0.19035 0.13791 0.10022 0.07305 0.05339 0.03914
35 0.70591 0.50003 0.35538 0.25342 0.18129 0.13011 0.09366 0.06763 0.04899 0.03558
36 0.69892 0.49022 0.34503 0.24367 0.17266 0.12274 0.08754 0.06262 0.04494 0.03235
37 0.69200 0.48061 0.33498 0.23430 0.16444 0.11579 0.08181 0.05799 0.04123 0.02941
38 0.68515 0.47119 0.32523 0.22529 0.15661 0.10924 0.07646 0.05369 0.03783 0.02673
39 0.67837 0.46195 0.31575 0.21662 0.14915 0.10306 0.07146 0.04971 0.03470 0.02430
40 0.67165 0.45289 0.30656 0.20829 0.14205 0.09722 0.06678 0.04603 0.03184 0.02209
PRESENT VALUE TABLE
Present value of one rupee invested at a given rate to be received after n periods
End Yr 11.00% 12.00% 13.00% 14.00% 15.00% 16.00% 17.00% 18.00% 19.00% 20.00%
0 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000
1 0.90090 0.89286 0.88496 0.87719 0.86957 0.86207 0.85470 0.84746 0.84034 0.83333
2 0.81162 0.79719 0.78315 0.76947 0.75614 0.74316 0.73051 0.71818 0.70616 0.69444
3 0.73119 0.71178 0.69305 0.67497 0.65752 0.64066 0.62437 0.60863 0.59342 0.57870
4 0.65873 0.63552 0.61332 0.59208 0.57175 0.55229 0.53365 0.51579 0.49867 0.48225
5 0.59345 0.56743 0.54276 0.51937 0.49718 0.47611 0.45611 0.43711 0.41905 0.40188
6 0.53464 0.50663 0.48032 0.45559 0.43233 0.41044 0.38984 0.37043 0.35214 0.33490
7 0.48166 0.45235 0.42506 0.39964 0.37594 0.35383 0.33320 0.31393 0.29592 0.27908
8 0.43393 0.40388 0.37616 0.35056 0.32690 0.30503 0.28478 0.26604 0.24867 0.23257
9 0.39092 0.36061 0.33288 0.30751 0.28426 0.26295 0.24340 0.22546 0.20897 0.19381
10 0.35218 0.32197 0.29459 0.26974 0.24718 0.22668 0.20804 0.19106 0.17560 0.16151
11 0.31728 0.28748 0.26070 0.23662 0.21494 0.19542 0.17781 0.16192 0.14757 0.13459
12 0.28584 0.25668 0.23071 0.20756 0.18691 0.16846 0.15197 0.13722 0.12400 0.11216
13 0.25751 0.22917 0.20416 0.18207 0.16253 0.14523 0.12989 0.11629 0.10421 0.09346
14 0.23199 0.20462 0.18068 0.15971 0.14133 0.12520 0.11102 0.09855 0.08757 0.07789
15 0.20900 0.18270 0.15989 0.14010 0.12289 0.10793 0.09489 0.08352 0.07359 0.06491
16 0.18829 0.16312 0.14150 0.12289 0.10686 0.09304 0.08110 0.07078 0.06184 0.05409
17 0.16963 0.14564 0.12522 0.10780 0.09293 0.08021 0.06932 0.05998 0.05196 0.04507
18 0.15282 0.13004 0.11081 0.09456 0.08081 0.06914 0.05925 0.05083 0.04367 0.03756
19 0.13768 0.11611 0.09806 0.08295 0.07027 0.05961 0.05064 0.04308 0.03670 0.03130
20 0.12403 0.10367 0.08678 0.07276 0.06110 0.05139 0.04328 0.03651 0.03084 0.02608
21 0.11174 0.09256 0.07680 0.06383 0.05313 0.04430 0.03699 0.03094 0.02591 0.02174
22 0.10067 0.08264 0.06796 0.05599 0.04620 0.03819 0.03162 0.02622 0.02178 0.01811
23 0.09069 0.07379 0.06014 0.04911 0.04017 0.03292 0.02702 0.02222 0.01830 0.01509
24 0.08170 0.06588 0.05323 0.04308 0.03493 0.02838 0.02310 0.01883 0.01538 0.01258
25 0.07361 0.05882 0.04710 0.03779 0.03038 0.02447 0.01974 0.01596 0.01292 0.01048
26 0.06631 0.05252 0.04168 0.03315 0.02642 0.02109 0.01687 0.01352 0.01086 0.00874
27 0.05974 0.04689 0.03689 0.02908 0.02297 0.01818 0.01442 0.01146 0.00912 0.00728
28 0.05382 0.04187 0.03264 0.02551 0.01997 0.01567 0.01233 0.00971 0.00767 0.00607
29 0.04849 0.03738 0.02889 0.02237 0.01737 0.01351 0.01053 0.00823 0.00644 0.00506
30 0.04368 0.03338 0.02557 0.01963 0.01510 0.01165 0.00900 0.00697 0.00541 0.00421
31 0.03935 0.02980 0.02262 0.01722 0.01313 0.01004 0.00770 0.00591 0.00455 0.00351
32 0.03545 0.02661 0.02002 0.01510 0.01142 0.00866 0.00658 0.00501 0.00382 0.00293
33 0.03194 0.02376 0.01772 0.01325 0.00993 0.00746 0.00562 0.00425 0.00321 0.00244
34 0.02878 0.02121 0.01568 0.01162 0.00864 0.00643 0.00480 0.00360 0.00270 0.00203
35 0.02592 0.01894 0.01388 0.01019 0.00751 0.00555 0.00411 0.00305 0.00227 0.00169
36 0.02335 0.01691 0.01228 0.00894 0.00653 0.00478 0.00351 0.00258 0.00191 0.00141
37 0.02104 0.01510 0.01087 0.00784 0.00568 0.00412 0.00300 0.00219 0.00160 0.00118
38 0.01896 0.01348 0.00962 0.00688 0.00494 0.00355 0.00256 0.00186 0.00135 0.00098
39 0.01708 0.01204 0.00851 0.00604 0.00429 0.00306 0.00219 0.00157 0.00113 0.00082
40 0.01538 0.01075 0.00753 0.00529 0.00373 0.00264 0.00187 0.00133 0.00095 0.00068
PRESENT VALUE TABLE
Present value of one rupee invested at a given rate to be received after n periods
End Yr 21.00% 22.00% 23.00% 24.00% 25.00% 26.00% 27.00% 28.00% 29.00% 30.00%
0 1.000000 1.000000 1.000000 1.000000 1.000000 1.000000 1.000000 1.000000 1.000000 1.000000
1 0.826446 0.819672 0.813008 0.806452 0.800000 0.793651 0.787402 0.781250 0.775194 0.769231
2 0.683013 0.671862 0.660982 0.650364 0.640000 0.629882 0.620001 0.610352 0.600925 0.591716
3 0.564474 0.550707 0.537384 0.524487 0.512000 0.499906 0.488190 0.476837 0.465834 0.455166
4 0.466507 0.451399 0.436897 0.422974 0.409600 0.396751 0.384402 0.372529 0.361111 0.350128
5 0.385543 0.369999 0.355201 0.341108 0.327680 0.314882 0.302678 0.291038 0.279931 0.269329
6 0.318631 0.303278 0.288781 0.275087 0.262144 0.249906 0.238329 0.227374 0.217001 0.207176
7 0.263331 0.248589 0.234782 0.221844 0.209715 0.198338 0.187661 0.177636 0.168218 0.159366
8 0.217629 0.203761 0.190879 0.178907 0.167772 0.157411 0.147765 0.138778 0.130401 0.122589
9 0.179859 0.167017 0.155187 0.144280 0.134218 0.124930 0.116350 0.108420 0.101086 0.094300
10 0.148644 0.136899 0.126168 0.116354 0.107374 0.099150 0.091614 0.084703 0.078362 0.072538
11 0.122846 0.112213 0.102576 0.093834 0.085899 0.078691 0.072137 0.066174 0.060745 0.055799
12 0.101526 0.091978 0.083395 0.075673 0.068719 0.062453 0.056801 0.051699 0.047089 0.042922
13 0.083905 0.075391 0.067801 0.061026 0.054976 0.049566 0.044725 0.040390 0.036503 0.033017
14 0.069343 0.061796 0.055122 0.049215 0.043980 0.039338 0.035217 0.031554 0.028297 0.025398
15 0.057309 0.050653 0.044815 0.039689 0.035184 0.031221 0.027730 0.024652 0.021936 0.019537
16 0.047362 0.041519 0.036435 0.032008 0.028147 0.024778 0.021834 0.019259 0.017005 0.015028
17 0.039143 0.034032 0.029622 0.025813 0.022518 0.019665 0.017192 0.015046 0.013182 0.011560
18 0.032349 0.027895 0.024083 0.020817 0.018014 0.015607 0.013537 0.011755 0.010218 0.008892
19 0.026735 0.022865 0.019580 0.016788 0.014412 0.012387 0.010659 0.009184 0.007921 0.006840
20 0.022095 0.018741 0.015918 0.013538 0.011529 0.009831 0.008393 0.007175 0.006141 0.005262

End Yr 31.00% 32.00% 33.00% 34.00% 35.00% 36.00% 37.00% 38.00% 39.00% 40.00%
0 1.000000 1.000000 1.000000 1.000000 1.000000 1.000000 1.000000 1.000000 1.000000 1.000000
1 0.763359 0.757576 0.751880 0.746269 0.740741 0.735294 0.729927 0.724638 0.719424 0.714286
2 0.582717 0.573921 0.565323 0.556917 0.548697 0.540657 0.532793 0.525100 0.517572 0.510204
3 0.444822 0.434789 0.425055 0.415610 0.406442 0.397542 0.388900 0.380507 0.372354 0.364431
4 0.339559 0.329385 0.319590 0.310156 0.301068 0.292310 0.283869 0.275730 0.267880 0.260308
5 0.259205 0.249534 0.240293 0.231460 0.223014 0.214934 0.207204 0.199804 0.192720 0.185934
6 0.197866 0.189041 0.180672 0.172731 0.165195 0.158040 0.151243 0.144786 0.138647 0.132810
7 0.151043 0.143213 0.135843 0.128904 0.122367 0.116206 0.110397 0.104917 0.099746 0.094865
8 0.115300 0.108495 0.102138 0.096197 0.090642 0.085445 0.080582 0.076027 0.071760 0.067760
9 0.088015 0.082193 0.076795 0.071789 0.067142 0.062828 0.058819 0.055092 0.051626 0.048400
10 0.067187 0.062267 0.057741 0.053574 0.049735 0.046197 0.042933 0.039922 0.037141 0.034572
11 0.051288 0.047172 0.043414 0.039980 0.036841 0.033968 0.031338 0.028929 0.026720 0.024694
12 0.039151 0.035737 0.032642 0.029836 0.027289 0.024977 0.022875 0.020963 0.019223 0.017639
13 0.029886 0.027073 0.024543 0.022266 0.020214 0.018365 0.016697 0.015190 0.013830 0.012599
14 0.022814 0.020510 0.018453 0.016616 0.014974 0.013504 0.012187 0.011008 0.009949 0.008999
15 0.017415 0.015538 0.013875 0.012400 0.011092 0.009929 0.008896 0.007977 0.007158 0.006428
16 0.013294 0.011771 0.010432 0.009254 0.008216 0.007301 0.006493 0.005780 0.005149 0.004591
17 0.010148 0.008918 0.007844 0.006906 0.006086 0.005368 0.004740 0.004188 0.003705 0.003280
18 0.007747 0.006756 0.005898 0.005154 0.004508 0.003947 0.003460 0.003035 0.002665 0.002343
19 0.005914 0.005118 0.004434 0.003846 0.003339 0.002902 0.002525 0.002199 0.001917 0.001673
20 0.004514 0.003877 0.003334 0.002870 0.002474 0.002134 0.001843 0.001594 0.001379 0.001195
FUTURE VALUE TABLE FOR ANNUITIES
Future value of an annuity of one rupee invested at the end of each of n periods at given rate
End Yr 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00%
1 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2 2.010 2.020 2.030 2.040 2.050 2.060 2.070 2.080 2.090 2.100
3 3.030 3.060 3.091 3.122 3.153 3.184 3.215 3.246 3.278 3.310
4 4.060 4.122 4.184 4.246 4.310 4.375 4.440 4.506 4.573 4.641
5 5.101 5.204 5.309 5.416 5.526 5.637 5.751 5.867 5.985 6.105
6 6.152 6.308 6.468 6.633 6.802 6.975 7.153 7.336 7.523 7.716
7 7.214 7.434 7.662 7.898 8.142 8.394 8.654 8.923 9.200 9.487
8 8.286 8.583 8.892 9.214 9.549 9.897 10.260 10.637 11.028 11.436
9 9.369 9.755 10.159 10.583 11.027 11.491 11.978 12.488 13.021 13.579
10 10.462 10.950 11.464 12.006 12.578 13.181 13.816 14.487 15.193 15.937
11 11.567 12.169 12.808 13.486 14.207 14.972 15.784 16.645 17.560 18.531
12 12.683 13.412 14.192 15.026 15.917 16.870 17.888 18.977 20.141 21.384
13 13.809 14.680 15.618 16.627 17.713 18.882 20.141 21.495 22.953 24.523
14 14.947 15.974 17.086 18.292 19.599 21.015 22.550 24.215 26.019 27.975
15 16.097 17.293 18.599 20.024 21.579 23.276 25.129 27.152 29.361 31.772
16 17.258 18.639 20.157 21.825 23.657 25.673 27.888 30.324 33.003 35.950
17 18.430 20.012 21.762 23.698 25.840 28.213 30.840 33.750 36.974 40.545
18 19.615 21.412 23.414 25.645 28.132 30.906 33.999 37.450 41.301 45.599
19 20.811 22.841 25.117 27.671 30.539 33.760 37.379 41.446 46.018 51.159
20 22.019 24.297 26.870 29.778 33.066 36.786 40.995 45.762 51.160 57.275
21 23.239 25.783 28.676 31.969 35.719 39.993 44.865 50.423 56.765 64.002
22 24.472 27.299 30.537 34.248 38.505 43.392 49.006 55.457 62.873 71.403
23 25.716 28.845 32.453 36.618 41.430 46.996 53.436 60.893 69.532 79.543
24 26.973 30.422 34.426 39.083 44.502 50.816 58.177 66.765 76.790 88.497
25 28.243 32.030 36.459 41.646 47.727 54.865 63.249 73.106 84.701 98.347
26 29.526 33.671 38.553 44.312 51.113 59.156 68.676 79.954 93.324 109.182
27 30.821 35.344 40.710 47.084 54.669 63.706 74.484 87.351 102.723 121.100
28 32.129 37.051 42.931 49.968 58.403 68.528 80.698 95.339 112.968 134.210
29 33.450 38.792 45.219 52.966 62.323 73.640 87.347 103.966 124.135 148.631
30 34.785 40.568 47.575 56.085 66.439 79.058 94.461 113.283 136.308 164.494
31 36.133 42.379 50.003 59.328 70.761 84.802 102.073 123.346 149.575 181.943
32 37.494 44.227 52.503 62.701 75.299 90.890 110.218 134.214 164.037 201.138
33 38.869 46.112 55.078 66.210 80.064 97.343 118.933 145.951 179.800 222.252
34 40.258 48.034 57.730 69.858 85.067 104.184 128.259 158.627 196.982 245.477
35 41.660 49.994 60.462 73.652 90.320 111.435 138.237 172.317 215.711 271.024
36 43.077 51.994 63.276 77.598 95.836 119.121 148.913 187.102 236.125 299.127
37 44.508 54.034 66.174 81.702 101.628 127.268 160.337 203.070 258.376 330.039
38 45.953 56.115 69.159 85.970 107.710 135.904 172.561 220.316 282.630 364.043
39 47.412 58.237 72.234 90.409 114.095 145.058 185.640 238.941 309.066 401.448
40 48.886 60.402 75.401 95.026 120.800 154.762 199.635 259.057 337.882 442.593
FUTURE VALUE TABLE FOR ANNUITIES
Future value of an annuity of one rupee invested at the end of each of n periods at given rate
End Yr 11.00% 12.00% 13.00% 14.00% 15.00% 16.00% 17.00% 18.00% 19.00% 20.00%
1 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2 2.110 2.120 2.130 2.140 2.150 2.160 2.170 2.180 2.190 2.200
3 3.342 3.374 3.407 3.440 3.473 3.506 3.539 3.572 3.606 3.640
4 4.710 4.779 4.850 4.921 4.993 5.066 5.141 5.215 5.291 5.368
5 6.228 6.353 6.480 6.610 6.742 6.877 7.014 7.154 7.297 7.442
6 7.913 8.115 8.323 8.536 8.754 8.977 9.207 9.442 9.683 9.930
7 9.783 10.089 10.405 10.730 11.067 11.414 11.772 12.142 12.523 12.916
8 11.859 12.300 12.757 13.233 13.727 14.240 14.773 15.327 15.902 16.499
9 14.164 14.776 15.416 16.085 16.786 17.519 18.285 19.086 19.923 20.799
10 16.722 17.549 18.420 19.337 20.304 21.321 22.393 23.521 24.709 25.959
11 19.561 20.655 21.814 23.045 24.349 25.733 27.200 28.755 30.404 32.150
12 22.713 24.133 25.650 27.271 29.002 30.850 32.824 34.931 37.180 39.581
13 26.212 28.029 29.985 32.089 34.352 36.786 39.404 42.219 45.244 48.497
14 30.095 32.393 34.883 37.581 40.505 43.672 47.103 50.818 54.841 59.196
15 34.405 37.280 40.417 43.842 47.580 51.660 56.110 60.965 66.261 72.035
16 39.190 42.753 46.672 50.980 55.717 60.925 66.649 72.939 79.850 87.442
17 44.501 48.884 53.739 59.118 65.075 71.673 78.979 87.068 96.022 105.931
18 50.396 55.750 61.725 68.394 75.836 84.141 93.406 103.740 115.266 128.117
19 56.939 63.440 70.749 78.969 88.212 98.603 110.285 123.414 138.166 154.740
20 64.203 72.052 80.947 91.025 102.444 115.380 130.033 146.628 165.418 186.688
21 72.265 81.699 92.470 104.768 118.810 134.841 153.139 174.021 197.847 225.026
22 81.214 92.503 105.491 120.436 137.632 157.415 180.172 206.345 236.438 271.031
23 91.148 104.603 120.205 138.297 159.276 183.601 211.801 244.487 282.362 326.237
24 102.174 118.155 136.831 158.659 184.168 213.978 248.808 289.494 337.010 392.484
25 114.413 133.334 155.620 181.871 212.793 249.214 292.105 342.603 402.042 471.981
26 127.999 150.334 176.850 208.333 245.712 290.088 342.763 405.272 479.431 567.377
27 143.079 169.374 200.841 238.499 283.569 337.502 402.032 479.221 571.522 681.853
28 159.817 190.699 227.950 272.889 327.104 392.503 471.378 566.481 681.112 819.223
29 178.397 214.583 258.583 312.094 377.170 456.303 552.512 669.447 811.523 984.068
30 199.021 241.333 293.199 356.787 434.745 530.312 647.439 790.948 966.712 1,181.882
31 221.913 271.293 332.315 407.737 500.957 616.162 758.504 934.319 1,151.387 1,419.258
32 247.324 304.848 376.516 465.820 577.100 715.747 888.449 1,103.496 1,371.151 1,704.109
33 275.529 342.429 426.463 532.035 664.666 831.267 1,040.486 1,303.125 1,632.670 2,045.931
34 306.837 384.521 482.903 607.520 765.365 965.270 1,218.368 1,538.688 1,943.877 2,456.118
35 341.590 431.663 546.681 693.573 881.170 1,120.713 1,426.491 1,816.652 2,314.214 2,948.341
36 380.164 484.463 618.749 791.673 1,014.346 1,301.027 1,669.994 2,144.649 2,754.914 3,539.009
37 422.982 543.599 700.187 903.507 1,167.498 1,510.191 1,954.894 2,531.686 3,279.348 4,247.811
38 470.511 609.831 792.211 1,030.998 1,343.622 1,752.822 2,288.225 2,988.389 3,903.424 5,098.373
39 523.267 684.010 896.198 1,176.338 1,546.165 2,034.273 2,678.224 3,527.299 4,646.075 6,119.048
40 581.826 767.091 1,013.704 1,342.025 1,779.090 2,360.757 3,134.522 4,163.213 5,529.829 7,343.858
FUTURE VALUE TABLE FOR ANNUITIES
Future value of an annuity of one rupee invested at the end of each of n periods at given rate
End Yr 21.00% 22.00% 23.00% 24.00% 25.00% 26.00% 27.00% 28.00% 29.00% 30.00%
1 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2 2.210 2.220 2.230 2.240 2.250 2.260 2.270 2.280 2.290 2.300
3 3.674 3.708 3.743 3.778 3.813 3.848 3.883 3.918 3.954 3.990
4 5.446 5.524 5.604 5.684 5.766 5.848 5.931 6.016 6.101 6.187
5 7.589 7.740 7.893 8.048 8.207 8.368 8.533 8.700 8.870 9.043
6 10.183 10.442 10.708 10.980 11.259 11.544 11.837 12.136 12.442 12.756
7 13.321 13.740 14.171 14.615 15.073 15.546 16.032 16.534 17.051 17.583
8 17.119 17.762 18.430 19.123 19.842 20.588 21.361 22.163 22.995 23.858
9 21.714 22.670 23.669 24.712 25.802 26.940 28.129 29.369 30.664 32.015
10 27.274 28.657 30.113 31.643 33.253 34.945 36.723 38.593 40.556 42.619
11 34.001 35.962 38.039 40.238 42.566 45.031 47.639 50.398 53.318 56.405
12 42.142 44.874 47.788 50.895 54.208 57.739 61.501 65.510 69.780 74.327
13 51.991 55.746 59.779 64.110 68.760 73.751 79.107 84.853 91.016 97.625
14 63.909 69.010 74.528 80.496 86.949 93.926 101.465 109.612 118.411 127.913
15 78.330 85.192 92.669 100.815 109.687 119.347 129.861 141.303 153.750 167.286
16 95.780 104.935 114.983 126.011 138.109 151.377 165.924 181.868 199.337 218.472
17 116.894 129.020 142.430 157.253 173.636 191.735 211.723 233.791 258.145 285.014
18 142.441 158.405 176.188 195.994 218.045 242.585 269.888 300.252 334.007 371.518
19 173.354 194.254 217.712 244.033 273.556 306.658 343.758 385.323 431.870 483.973
20 210.758 237.989 268.785 303.601 342.945 387.389 437.573 494.213 558.112 630.165

End Yr 31.00% 32.00% 33.00% 34.00% 35.00% 36.00% 37.00% 38.00% 39.00% 40.00%
1 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2 2.310 2.320 2.330 2.340 2.350 2.360 2.370 2.380 2.390 2.400
3 4.026 4.062 4.099 4.136 4.173 4.210 4.247 4.284 4.322 4.360
4 6.274 6.362 6.452 6.542 6.633 6.725 6.818 6.912 7.008 7.104
5 9.219 9.398 9.581 9.766 9.954 10.146 10.341 10.539 10.741 10.946
6 13.077 13.406 13.742 14.086 14.438 14.799 15.167 15.544 15.930 16.324
7 18.131 18.696 19.277 19.876 20.492 21.126 21.779 22.451 23.142 23.853
8 24.752 25.678 26.638 27.633 28.664 29.732 30.837 31.982 33.168 34.395
9 33.425 34.895 36.429 38.029 39.696 41.435 43.247 45.135 47.103 49.153
10 44.786 47.062 49.451 51.958 54.590 57.352 60.248 63.287 66.473 69.814
11 59.670 63.122 66.769 70.624 74.697 78.998 83.540 88.336 93.398 98.739
12 79.168 84.320 89.803 95.637 101.841 108.437 115.450 122.904 130.823 139.235
13 104.710 112.303 120.439 129.153 138.485 148.475 159.167 170.607 182.844 195.929
14 138.170 149.240 161.183 174.065 187.954 202.926 219.059 236.438 255.153 275.300
15 182.003 197.997 215.374 234.247 254.738 276.979 301.111 327.284 355.662 386.420
16 239.423 262.356 287.447 314.891 344.897 377.692 413.522 452.652 495.370 541.988
17 314.645 347.309 383.305 422.954 466.611 514.661 567.524 625.659 689.565 759.784
18 413.185 459.449 510.795 567.758 630.925 700.939 778.509 864.410 959.495 1,064.697
19 542.272 607.472 680.358 761.796 852.748 954.277 1,067.557 1,193.886 1,334.698 1,491.576
20 711.376 802.863 905.876 1,021.807 1,152.210 1,298.817 1,463.553 1,648.563 1,856.230 2,089.206
PRESENT VALUE OF ANNUITY TABLE
Present value of an annuity of one rupee to be received at the end of each of n periods at a given rate
End Yr 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00%
0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1 0.9901 0.9804 0.9709 0.9615 0.9524 0.9434 0.9346 0.9259 0.9174 0.9091
2 1.9704 1.9416 1.9135 1.8861 1.8594 1.8334 1.8080 1.7833 1.7591 1.7355
3 2.9410 2.8839 2.8286 2.7751 2.7232 2.6730 2.6243 2.5771 2.5313 2.4869
4 3.9020 3.8077 3.7171 3.6299 3.5460 3.4651 3.3872 3.3121 3.2397 3.1699
5 4.8534 4.7135 4.5797 4.4518 4.3295 4.2124 4.1002 3.9927 3.8897 3.7908
6 5.7955 5.6014 5.4172 5.2421 5.0757 4.9173 4.7665 4.6229 4.4859 4.3553
7 6.7282 6.4720 6.2303 6.0021 5.7864 5.5824 5.3893 5.2064 5.0330 4.8684
8 7.6517 7.3255 7.0197 6.7327 6.4632 6.2098 5.9713 5.7466 5.5348 5.3349
9 8.5660 8.1622 7.7861 7.4353 7.1078 6.8017 6.5152 6.2469 5.9952 5.7590
10 9.4713 8.9826 8.5302 8.1109 7.7217 7.3601 7.0236 6.7101 6.4177 6.1446
11 10.3676 9.7868 9.2526 8.7605 8.3064 7.8869 7.4987 7.1390 6.8052 6.4951
12 11.2551 10.5753 9.9540 9.3851 8.8633 8.3838 7.9427 7.5361 7.1607 6.8137
13 12.1337 11.3484 10.6350 9.9856 9.3936 8.8527 8.3577 7.9038 7.4869 7.1034
14 13.0037 12.1062 11.2961 10.5631 9.8986 9.2950 8.7455 8.2442 7.7862 7.3667
15 13.8651 12.8493 11.9379 11.1184 10.3797 9.7122 9.1079 8.5595 8.0607 7.6061
16 14.7179 13.5777 12.5611 11.6523 10.8378 10.1059 9.4466 8.8514 8.3126 7.8237
17 15.5623 14.2919 13.1661 12.1657 11.2741 10.4773 9.7632 9.1216 8.5436 8.0216
18 16.3983 14.9920 13.7535 12.6593 11.6896 10.8276 10.0591 9.3719 8.7556 8.2014
19 17.2260 15.6785 14.3238 13.1339 12.0853 11.1581 10.3356 9.6036 8.9501 8.3649
20 18.0456 16.3514 14.8775 13.5903 12.4622 11.4699 10.5940 9.8181 9.1285 8.5136
21 18.8570 17.0112 15.4150 14.0292 12.8212 11.7641 10.8355 10.0168 9.2922 8.6487
22 19.6604 17.6580 15.9369 14.4511 13.1630 12.0416 11.0612 10.2007 9.4424 8.7715
23 20.4558 18.2922 16.4436 14.8568 13.4886 12.3034 11.2722 10.3711 9.5802 8.8832
24 21.2434 18.9139 16.9355 15.2470 13.7986 12.5504 11.4693 10.5288 9.7066 8.9847
25 22.0232 19.5235 17.4131 15.6221 14.0939 12.7834 11.6536 10.6748 9.8226 9.0770
26 22.7952 20.1210 17.8768 15.9828 14.3752 13.0032 11.8258 10.8100 9.9290 9.1609
27 23.5596 20.7069 18.3270 16.3296 14.6430 13.2105 11.9867 10.9352 10.0266 9.2372
28 24.3164 21.2813 18.7641 16.6631 14.8981 13.4062 12.1371 11.0511 10.1161 9.3066
29 25.0658 21.8444 19.1885 16.9837 15.1411 13.5907 12.2777 11.1584 10.1983 9.3696
30 25.8077 22.3965 19.6004 17.2920 15.3725 13.7648 12.4090 11.2578 10.2737 9.4269
31 26.5423 22.9377 20.0004 17.5885 15.5928 13.9291 12.5318 11.3498 10.3428 9.4790
32 27.2696 23.4683 20.3888 17.8736 15.8027 14.0840 12.6466 11.4350 10.4062 9.5264
33 27.9897 23.9886 20.7658 18.1476 16.0025 14.2302 12.7538 11.5139 10.4644 9.5694
34 28.7027 24.4986 21.1318 18.4112 16.1929 14.3681 12.8540 11.5869 10.5178 9.6086
35 29.4086 24.9986 21.4872 18.6646 16.3742 14.4982 12.9477 11.6546 10.5668 9.6442
36 30.1075 25.4888 21.8323 18.9083 16.5469 14.6210 13.0352 11.7172 10.6118 9.6765
37 30.7995 25.9695 22.1672 19.1426 16.7113 14.7368 13.1170 11.7752 10.6530 9.7059
38 31.4847 26.4406 22.4925 19.3679 16.8679 14.8460 13.1935 11.8289 10.6908 9.7327
39 32.1630 26.9026 22.8082 19.5845 17.0170 14.9491 13.2649 11.8786 10.7255 9.7570
40 32.8347 27.3555 23.1148 19.7928 17.1591 15.0463 13.3317 11.9246 10.7574 9.7791
PRESENT VALUE OF ANNUITY TABLE
Present value of an annuity of one rupee to be received at the end of each of n periods at a given rate
End Yr 11.00% 12.00% 13.00% 14.00% 15.00% 16.00% 17.00% 18.00% 19.00% 20.00%
0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1 0.9009 0.8929 0.8850 0.8772 0.8696 0.8621 0.8547 0.8475 0.8403 0.8333
2 1.7125 1.6901 1.6681 1.6467 1.6257 1.6052 1.5852 1.5656 1.5465 1.5278
3 2.4437 2.4018 2.3612 2.3216 2.2832 2.2459 2.2096 2.1743 2.1399 2.1065
4 3.1024 3.0373 2.9745 2.9137 2.8550 2.7982 2.7432 2.6901 2.6386 2.5887
5 3.6959 3.6048 3.5172 3.4331 3.3522 3.2743 3.1993 3.1272 3.0576 2.9906
6 4.2305 4.1114 3.9975 3.8887 3.7845 3.6847 3.5892 3.4976 3.4098 3.3255
7 4.7122 4.5638 4.4226 4.2883 4.1604 4.0386 3.9224 3.8115 3.7057 3.6046
8 5.1461 4.9676 4.7988 4.6389 4.4873 4.3436 4.2072 4.0776 3.9544 3.8372
9 5.5370 5.3282 5.1317 4.9464 4.7716 4.6065 4.4506 4.3030 4.1633 4.0310
10 5.8892 5.6502 5.4262 5.2161 5.0188 4.8332 4.6586 4.4941 4.3389 4.1925
11 6.2065 5.9377 5.6869 5.4527 5.2337 5.0286 4.8364 4.6560 4.4865 4.3271
12 6.4924 6.1944 5.9176 5.6603 5.4206 5.1971 4.9884 4.7932 4.6105 4.4392
13 6.7499 6.4235 6.1218 5.8424 5.5831 5.3423 5.1183 4.9095 4.7147 4.5327
14 6.9819 6.6282 6.3025 6.0021 5.7245 5.4675 5.2293 5.0081 4.8023 4.6106
15 7.1909 6.8109 6.4624 6.1422 5.8474 5.5755 5.3242 5.0916 4.8759 4.6755
16 7.3792 6.9740 6.6039 6.2651 5.9542 5.6685 5.4053 5.1624 4.9377 4.7296
17 7.5488 7.1196 6.7291 6.3729 6.0472 5.7487 5.4746 5.2223 4.9897 4.7746
18 7.7016 7.2497 6.8399 6.4674 6.1280 5.8178 5.5339 5.2732 5.0333 4.8122
19 7.8393 7.3658 6.9380 6.5504 6.1982 5.8775 5.5845 5.3162 5.0700 4.8435
20 7.9633 7.4694 7.0248 6.6231 6.2593 5.9288 5.6278 5.3527 5.1009 4.8696
21 8.0751 7.5620 7.1016 6.6870 6.3125 5.9731 5.6648 5.3837 5.1268 4.8913
22 8.1757 7.6446 7.1695 6.7429 6.3587 6.0113 5.6964 5.4099 5.1486 4.9094
23 8.2664 7.7184 7.2297 6.7921 6.3988 6.0442 5.7234 5.4321 5.1668 4.9245
24 8.3481 7.7843 7.2829 6.8351 6.4338 6.0726 5.7465 5.4509 5.1822 4.9371
25 8.4217 7.8431 7.3300 6.8729 6.4641 6.0971 5.7662 5.4669 5.1951 4.9476
26 8.4881 7.8957 7.3717 6.9061 6.4906 6.1182 5.7831 5.4804 5.2060 4.9563
27 8.5478 7.9426 7.4086 6.9352 6.5135 6.1364 5.7975 5.4919 5.2151 4.9636
28 8.6016 7.9844 7.4412 6.9607 6.5335 6.1520 5.8099 5.5016 5.2228 4.9697
29 8.6501 8.0218 7.4701 6.9830 6.5509 6.1656 5.8204 5.5098 5.2292 4.9747
30 8.6938 8.0552 7.4957 7.0027 6.5660 6.1772 5.8294 5.5168 5.2347 4.9789
31 8.7331 8.0850 7.5183 7.0199 6.5791 6.1872 5.8371 5.5227 5.2392 4.9824
32 8.7686 8.1116 7.5383 7.0350 6.5905 6.1959 5.8437 5.5277 5.2430 4.9854
33 8.8005 8.1354 7.5560 7.0482 6.6005 6.2034 5.8493 5.5320 5.2462 4.9878
34 8.8293 8.1566 7.5717 7.0599 6.6091 6.2098 5.8541 5.5356 5.2489 4.9898
35 8.8552 8.1755 7.5856 7.0700 6.6166 6.2153 5.8582 5.5386 5.2512 4.9915
36 8.8786 8.1924 7.5979 7.0790 6.6231 6.2201 5.8617 5.5412 5.2531 4.9929
37 8.8996 8.2075 7.6087 7.0868 6.6288 6.2242 5.8647 5.5434 5.2547 4.9941
38 8.9186 8.2210 7.6183 7.0937 6.6338 6.2278 5.8673 5.5452 5.2561 4.9951
39 8.9357 8.2330 7.6268 7.0997 6.6380 6.2309 5.8695 5.5468 5.2572 4.9959
40 8.9511 8.2438 7.6344 7.1050 6.6418 6.2335 5.8713 5.5482 5.2582 4.9966
PRESENT VALUE OF ANNUITY TABLE
Present value of an annuity of one rupee to be received at the end of each of n periods at a given rate
End Yr 21.00% 22.00% 23.00% 24.00% 25.00% 26.00% 27.00% 28.00% 29.00% 30.00%
0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1 0.8264 0.8197 0.8130 0.8065 0.8000 0.7937 0.7874 0.7813 0.7752 0.7692
2 1.5095 1.4915 1.4740 1.4568 1.4400 1.4235 1.4074 1.3916 1.3761 1.3609
3 2.0739 2.0422 2.0114 1.9813 1.9520 1.9234 1.8956 1.8684 1.8420 1.8161
4 2.5404 2.4936 2.4483 2.4043 2.3616 2.3202 2.2800 2.2410 2.2031 2.1662
5 2.9260 2.8636 2.8035 2.7454 2.6893 2.6351 2.5827 2.5320 2.4830 2.4356
6 3.2446 3.1669 3.0923 3.0205 2.9514 2.8850 2.8210 2.7594 2.7000 2.6427
7 3.5079 3.4155 3.3270 3.2423 3.1611 3.0833 3.0087 2.9370 2.8682 2.8021
8 3.7256 3.6193 3.5179 3.4212 3.3289 3.2407 3.1564 3.0758 2.9986 2.9247
9 3.9054 3.7863 3.6731 3.5655 3.4631 3.3657 3.2728 3.1842 3.0997 3.0190
10 4.0541 3.9232 3.7993 3.6819 3.5705 3.4648 3.3644 3.2689 3.1781 3.0915
11 4.1769 4.0354 3.9018 3.7757 3.6564 3.5435 3.4365 3.3351 3.2388 3.1473
12 4.2784 4.1274 3.9852 3.8514 3.7251 3.6059 3.4933 3.3868 3.2859 3.1903
13 4.3624 4.2028 4.0530 3.9124 3.7801 3.6555 3.5381 3.4272 3.3224 3.2233
14 4.4317 4.2646 4.1082 3.9616 3.8241 3.6949 3.5733 3.4587 3.3507 3.2487
15 4.4890 4.3152 4.1530 4.0013 3.8593 3.7261 3.6010 3.4834 3.3726 3.2682
16 4.5364 4.3567 4.1894 4.0333 3.8874 3.7509 3.6228 3.5026 3.3896 3.2832
17 4.5755 4.3908 4.2190 4.0591 3.9099 3.7705 3.6400 3.5177 3.4028 3.2948
18 4.6079 4.4187 4.2431 4.0799 3.9279 3.7861 3.6536 3.5294 3.4130 3.3037
19 4.6346 4.4415 4.2627 4.0967 3.9424 3.7985 3.6642 3.5386 3.4210 3.3105
20 4.6567 4.4603 4.2786 4.1103 3.9539 3.8083 3.6726 3.5458 3.4271 3.3158

End Yr 31.00% 32.00% 33.00% 34.00% 35.00% 36.00% 37.00% 38.00% 39.00% 40.00%
0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1 0.7634 0.7576 0.7519 0.7463 0.7407 0.7353 0.7299 0.7246 0.7194 0.7143
2 1.3461 1.3315 1.3172 1.3032 1.2894 1.2760 1.2627 1.2497 1.2370 1.2245
3 1.7909 1.7663 1.7423 1.7188 1.6959 1.6735 1.6516 1.6302 1.6093 1.5889
4 2.1305 2.0957 2.0618 2.0290 1.9969 1.9658 1.9355 1.9060 1.8772 1.8492
5 2.3897 2.3452 2.3021 2.2604 2.2200 2.1807 2.1427 2.1058 2.0699 2.0352
6 2.5875 2.5342 2.4828 2.4331 2.3852 2.3388 2.2939 2.2506 2.2086 2.1680
7 2.7386 2.6775 2.6187 2.5620 2.5075 2.4550 2.4043 2.3555 2.3083 2.2628
8 2.8539 2.7860 2.7208 2.6582 2.5982 2.5404 2.4849 2.4315 2.3801 2.3306
9 2.9419 2.8681 2.7976 2.7300 2.6653 2.6033 2.5437 2.4866 2.4317 2.3790
10 3.0091 2.9304 2.8553 2.7836 2.7150 2.6495 2.5867 2.5265 2.4689 2.4136
11 3.0604 2.9776 2.8987 2.8236 2.7519 2.6834 2.6180 2.5555 2.4956 2.4383
12 3.0995 3.0133 2.9314 2.8534 2.7792 2.7084 2.6409 2.5764 2.5148 2.4559
13 3.1294 3.0404 2.9559 2.8757 2.7994 2.7268 2.6576 2.5916 2.5286 2.4685
14 3.1522 3.0609 2.9744 2.8923 2.8144 2.7403 2.6698 2.6026 2.5386 2.4775
15 3.1696 3.0764 2.9883 2.9047 2.8255 2.7502 2.6787 2.6106 2.5457 2.4839
16 3.1829 3.0882 2.9987 2.9140 2.8337 2.7575 2.6852 2.6164 2.5509 2.4885
17 3.1931 3.0971 3.0065 2.9209 2.8398 2.7629 2.6899 2.6206 2.5546 2.4918
18 3.2008 3.1039 3.0124 2.9260 2.8443 2.7668 2.6934 2.6236 2.5573 2.4941
19 3.2067 3.1090 3.0169 2.9299 2.8476 2.7697 2.6959 2.6258 2.5592 2.4958
20 3.2112 3.1129 3.0202 2.9327 2.8501 2.7718 2.6977 2.6274 2.5606 2.4970

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