lap va phan tich du an hang le cam phuong bang tai chinh cuuduongthancong com (1)

26-S2374-APAB 2/24/03 4:22 PM Page T-1

APPENDIX A: FINANCIAL TABLES

T-1

CuuDuongThanCong.com

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1%

1.010
1.020
1.030
1.041
1.051
1.062
1.072
1.083
1.094
1.105
1.116
1.127
1.138
1.149
1.161
1.173
1.184
1.196
1.208

1.220
1.232
1.245
1.257
1.270
1.282
1.348
1.417
1.489
1.565
1.645

Period

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

17
18
19
20
21
22
23
24
25
30
35
40
45
50

1.020
1.040
1.061
1.082
1.104
1.126
1.149
1.172
1.195
1.219
1.243
1.268
1.294
1.319
1.346

1.373
1.400
1.428
1.457
1.486
1.516
1.546
1.577
1.608
1.641
1.811
2.000
2.208
2.438
2.692

2%
1.030
1.061
1.093
1.126
1.159
1.194
1.230
1.267
1.305
1.344
1.384
1.426
1.469

1.513
1.558
1.605
1.653
1.702
1.754
1.806
1.860
1.916
1.974
2.033
2.094
2.427
2.814
3.262
3.782
4.384

3%
1.040
1.082
1.125
1.170
1.217
1.265
1.316
1.369
1.423
1.480
1.539

1.601
1.665
1.732
1.801
1.873
1.948
2.026
2.107
2.191
2.279
2.370
2.465
2.563
2.666
3.243
3.946
4.801
5.841
7.107

4%

FVFr%,n ϭ (1 ϩ r)n

1.050
1.103
1.158
1.216
1.276
1.340

1.407
1.477
1.551
1.629
1.710
1.796
1.886
1.980
2.079
2.183
2.292
2.407
2.527
2.653
2.786
2.925
3.072
3.225
3.386
4.322
5.516
7.040
8.985
11.467

5%
1.060
1.124
1.191
1.262

1.338
1.419
1.504
1.594
1.689
1.791
1.898
2.012
2.133
2.261
2.397
2.540
2.693
2.854
3.026
3.207
3.400
3.604
3.820
4.049
4.292
5.743
7.686
10.286
13.765
18.420

6%

7%

1.070
1.145
1.225
1.311
1.403
1.501
1.606
1.718
1.838
1.967
2.105
2.252
2.410
2.579
2.759
2.952
3.159
3.380
3.617
3.870
4.141
4.430
4.741
5.072
5.427
7.612
10.677
14.974
21.002
29.457

Table A1
Future Value Factors for One Dollar Compounded at r Percent for n Periods

1.080
1.166
1.260
1.360
1.469
1.587
1.714
1.851
1.999
2.159
2.332
2.518
2.720
2.937
3.172
3.426
3.700
3.996
4.316
4.661
5.034
5.437
5.871
6.341
6.848
10.063

14.785
21.725
31.920
46.902

8%

10%

1.090
1.100
1.188
1.210
1.295
1.331
1.412
1.464
1.539
1.611
1.677
1.772
1.828
1.949
1.993
2.144
2.172
2.358
2.367
2.594
2.580

2.853
2.813
3.138
3.066
3.452
3.342
3.797
3.642
4.177
3.970
4.595
4.328
5.054
4.717
5.560
5.142
6.116
5.604
6.727
6.109
7.400
6.659
8.140
7.258
8.954
7.911
9.850
8.623
10.835
13.268

17.449
20.414
28.102
31.409
45.259
48.327
72.890
74.358 117.391

9%
1.110
1.232
1.368
1.518
1.685
1.870
2.076
2.305
2.558
2.839
3.152
3.498
3.883
4.310
4.785
5.311
5.895
6.544
7.263
8.062

8.949
9.934
11.026
12.239
13.585
22.892
38.575
65.001
109.530
184.565

11%
1.120
1.254
1.405
1.574
1.762
1.974
2.211
2.476
2.773
3.106
3.479
3.896
4.363
4.887
5.474
6.130
6.866
7.690

8.613
9.646
10.804
12.100
13.552
15.179
17.000
29.960
52.800
93.051
163.988
289.002

12%
1.130
1.277
1.443
1.630
1.842
2.082
2.353
2.658
3.004
3.395
3.836
4.335
4.898
5.535
6.254
7.067

7.986
9.024
10.197
11.523
13.021
14.714
16.627
18.788
21.231
39.116
72.069
132.782
244.641
450.736

13%

1.140
1.300
1.482
1.689
1.925
2.195
2.502
2.853
3.252
3.707
4.226
4.818
5.492

6.261
7.138
8.137
9.276
10.575
12.056
13.743
15.668
17.861
20.362
23.212
26.462
50.950
98.100
188.884
363.679
700.233

14%

1.150
1.323
1.521
1.749
2.011
2.313
2.660
3.059
3.518
4.046

4.652
5.350
6.153
7.076
8.137
9.358
10.761
12.375
14.232
16.367
18.822
21.645
24.891
28.625
32.919
66.212
133.176
267.864
538.769
1083.657

15%

26-S2374-APAB 2/24/03 4:22 PM Page T-2

T-2
Appendix A: Financial Tables

CuuDuongThanCong.com

/>

CuuDuongThanCong.com

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30

35
40
45
50

Period

1.160
1.346
1.561
1.811
2.100
2.436
2.826
3.278
3.803
4.411
5.117
5.936
6.886
7.988
9.266
10.748
12.468
14.463
16.777
19.461
22.574
26.186
30.376

35.236
40.874
85.850
180.314
378.721
795.444
1670.704

16%

17%
1.170
1.369
1.602
1.874
2.192
2.565
3.001
3.511
4.108
4.807
5.624
6.580
7.699
9.007
10.539
12.330
14.426
16.879
19.748

23.106
27.034
31.629
37.006
43.297
50.658
111.065
243.503
533.869
1170.479
2566.215

Table A1 (continued )
1.180
1.392
1.643
1.939
2.288
2.700
3.185
3.759
4.435
5.234
6.176
7.288
8.599
10.147
11.974
14.129
16.672

19.673
23.214
27.393
32.324
38.142
45.008
53.109
62.669
143.371
327.997
750.378
1716.684
3927.357

18%
1.190
1.416
1.685
2.005
2.386
2.840
3.379
4.021
4.785
5.695
6.777
8.064
9.596
11.420
13.590

16.172
19.244
22.901
27.252
32.429
38.591
45.923
54.649
65.032
77.388
184.675
440.701
1051.668
2509.651
5988.914

19%

21%

22%

23%

24%

25%

1.200
1.210

1.220
1.230
1.240
1.250
1.440
1.464
1.488
1.513
1.538
1.563
1.728
1.772
1.816
1.861
1.907
1.953
2.074
2.144
2.215
2.289
2.364
2.441
2.488
2.594
2.703
2.815
2.932
3.052
2.986
3.138

3.297
3.463
3.635
3.815
3.583
3.797
4.023
4.259
4.508
4.768
4.300
4.595
4.908
5.239
5.590
5.960
5.160
5.560
5.987
6.444
6.931
7.451
6.192
6.727
7.305
7.926
8.594
9.313
7.430
8.140

8.912
9.749
10.657
11.642
8.916
9.850
10.872
11.991
13.215
14.552
10.699
11.918
13.264
14.749
16.386
18.190
12.839
14.421
16.182
18.141
20.319
22.737
15.407
17.449
19.742
22.314
25.196
28.422
18.488
21.114

24.086
27.446
31.243
35.527
22.186
25.548
29.384
33.759
38.741
44.409
26.623
30.913
35.849
41.523
48.039
55.511
31.948
37.404
43.736
51.074
59.568
69.389
38.338
45.259
53.358
62.821
73.864
86.736
46.005
54.764

65.096
77.269
91.592
108.420
55.206
66.264
79.418
95.041
113.574
135.525
66.247
80.180
96.889
116.901
140.831
169.407
79.497
97.017
118.205
143.788
174.631
211.758
95.396
117.391
144.210
176.859
216.542
264.698
237.376
304.482

389.758
497.913
634.820
807.794
590.668
789.747 1053.402 1401.777 1861.054 2465.190
1469.772 2048.400 2847.038 3946.430 5455.913 7523.164
3657.262 5313.023 7694.712 11110.408 15994.690 22958.874
9100.438 13780.612 20796.561 31279.195 46890.435 70064.923

20%

1.260
1.588
2.000
2.520
3.176
4.002
5.042
6.353
8.005
10.086
12.708
16.012
20.175
25.421
32.030
40.358
50.851
64.072

80.731
101.721
128.169
161.492
203.480
256.385
323.045
1025.927
3258.135
10347.175
32860.527
104358.362

26%

1.270
1.613
2.048
2.601
3.304
4.196
5.329
6.768
8.595
10.915
13.862
17.605
22.359
28.396
36.062

45.799
58.165
73.870
93.815
119.145
151.314
192.168
244.054
309.948
393.634
1300.504
4296.653
14195.439
46899.417
154948.026

27%

26-S2374-APAB 2/24/03 4:22 PM Page T-3

Appendix A: Financial Tables
T-3

/>

1.280
1.638
2.097
2.684
3.436

4.398
5.629
7.206
9.223
11.806
15.112
19.343
24.759
31.691
40.565
51.923
66.461
85.071
108.890
139.380
178.406
228.360
292.300
374.144
478.905
1645.505
5653.911
19426.689
66749.595
229349.862

28%
1.290
1.664
2.147

2.769
3.572
4.608
5.945
7.669
9.893
12.761
16.462
21.236
27.395
35.339
45.587
58.808
75.862
97.862
126.242
162.852
210.080
271.003
349.593
450.976
581.759
2078.219
7424.032
26520.909
94740.782
338442.984

29%
1.300

1.690
2.197
2.856
3.713
4.827
6.275
8.157
10.604
13.786
17.922
23.298
30.288
39.374
51.186
66.542
86.504
112.455
146.192
190.050
247.065
321.184
417.539
542.801
705.641
2619.996
9727.860
36118.865
134106.817
497929.223

30%
1.310
1.716
2.248
2.945
3.858
5.054
6.621
8.673
11.362
14.884
19.498
25.542
33.460
43.833
57.421
75.221
98.540
129.087
169.104
221.527
290.200
380.162
498.012
652.396
854.638
3297.151
12720.241
49074.042
189325.148

730406.758

31%
1.320
1.742
2.300
3.036
4.007
5.290
6.983
9.217
12.166
16.060
21.199
27.983
36.937
48.757
64.359
84.954
112.139
148.024
195.391
257.916
340.449
449.393
593.199
783.023
1033.590
4142.075
16599.217

66520.767
266579.595
*

32%
1.330
1.769
2.353
3.129
4.162
5.535
7.361
9.791
13.022
17.319
23.034
30.635
40.745
54.190
72.073
95.858
127.491
169.562
225.518
299.939
398.919
530.562
705.647
938.511
1248.220

5194.566
21617.598
89963.354
374389.658
*

33%
1.340
1.796
2.406
3.224
4.320
5.789
7.758
10.395
13.930
18.666
25.012
33.516
44.912
60.182
80.644
108.063
144.804
194.038
260.011
348.414
466.875
625.613
838.321

1123.350
1505.289
6503.452
28097.517
121392.522
524464.294
*

34%
1.350
1.823
2.460
3.322
4.484
6.053
8.172
11.032
14.894
20.107
27.144
36.644
49.470
66.784
90.158
121.714
164.314
221.824
299.462
404.274
545.769

736.789
994.665
1342.797
1812.776
8128.550
36448.688
163437.135
732857.577
*

35%
1.400
1.960
2.744
3.842
5.378
7.530
10.541
14.758
20.661
28.925
40.496
56.694
79.371
111.120
155.568
217.795
304.913
426.879
597.630

836.683
1171.356
1639.898
2295.857
3214.200
4499.880
24201.432
130161.112
700037.697
*
*

40%
1.450
2.103
3.049
4.421
6.410
9.294
13.476
19.541
28.334
41.085
59.573
86.381
125.252
181.615
263.342
381.846
553.676

802.831
1164.105
1687.952
2447.530
3548.919
5145.932
7461.602
10819.322
69348.978
444508.508
*
*
*

45%

1.500
2.250
3.375
5.063
7.594
11.391
17.086
25.629
38.443
57.665
86.498
129.746
194.620
291.929

437.894
656.841
985.261
1477.892
2216.838
3325.257
4987.885
7481.828
11222.741
16834.112
25251.168
191751.059
*
*
*
*

50%

T-4

CuuDuongThanCong.com

/>
* Not shown because of space limitations.

1
2
3
4

5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

Period

FVFr%,n ϭ (1 ϩ r)n

Table A1 (continued )
Future Value Factors for One Dollar Compounded at r Percent for n Periods

26-S2374-APAB 2/24/03 4:22 PM Page T-4

Appendix A: Financial Tables


CuuDuongThanCong.com

1%

0.990
0.980
0.971
0.961
0.951
0.942
0.933
0.923
0.914
0.905
0.896
0.887
0.879
0.870
0.861
0.853
0.844

0.836
0.828
0.820
0.811
0.803
0.795
0.788
0.780
0.742
0.706
0.672
0.639
0.608

Period

1
2
3
4
5
6
7
8
9
10
11
12
13
14

15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

0.980
0.961
0.942
0.924
0.906
0.888
0.871
0.853
0.837
0.820
0.804
0.788
0.773

0.758
0.743
0.728
0.714
0.700
0.686
0.673
0.660
0.647
0.634
0.622
0.610
0.552
0.500
0.453
0.410
0.372

2%
0.971
0.943
0.915
0.888
0.863
0.837
0.813
0.789
0.766
0.744
0.722

0.701
0.681
0.661
0.642
0.623
0.605
0.587
0.570
0.554
0.538
0.522
0.507
0.492
0.478
0.412
0.355
0.307
0.264
0.228

3%
0.962
0.925
0.889
0.855
0.822
0.790
0.760
0.731
0.703

0.676
0.650
0.625
0.601
0.577
0.555
0.534
0.513
0.494
0.475
0.456
0.439
0.422
0.406
0.390
0.375
0.308
0.253
0.208
0.171
0.141

4%

PVFr%,n ϭ 1/(1 ϩ r)n

0.952
0.907
0.864
0.823

0.784
0.746
0.711
0.677
0.645
0.614
0.585
0.557
0.530
0.505
0.481
0.458
0.436
0.416
0.396
0.377
0.359
0.342
0.326
0.310
0.295
0.231
0.181
0.142
0.111
0.087

5%
0.943
0.890

0.840
0.792
0.747
0.705
0.665
0.627
0.592
0.558
0.527
0.497
0.469
0.442
0.417
0.394
0.371
0.350
0.331
0.312
0.294
0.278
0.262
0.247
0.233
0.174
0.130
0.097
0.073
0.054

6%

Table A2
Present Value Factors for One Dollar Discounted at r Percent for n Periods

0.935
0.873
0.816
0.763
0.713
0.666
0.623
0.582
0.544
0.508
0.475
0.444
0.415
0.388
0.362
0.339
0.317
0.296
0.277
0.258
0.242
0.226
0.211
0.197
0.184
0.131

0.094
0.067
0.048
0.034

7%
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
0.429
0.397
0.368
0.340
0.315
0.292
0.270
0.250
0.232
0.215
0.199
0.184
0.170
0.158

0.146
0.099
0.068
0.046
0.031
0.021

8%
0.917
0.842
0.772
0.708
0.650
0.596
0.547
0.502
0.460
0.422
0.388
0.356
0.326
0.299
0.275
0.252
0.231
0.212
0.194
0.178
0.164
0.150

0.138
0.126
0.116
0.075
0.049
0.032
0.021
0.013

9%
0.909
0.826
0.751
0.683
0.621
0.564
0.513
0.467
0.424
0.386
0.350
0.319
0.290
0.263
0.239
0.218
0.198
0.180
0.164
0.149

0.135
0.123
0.112
0.102
0.092
0.057
0.036
0.022
0.014
0.009

10%
0.901
0.812
0.731
0.659
0.593
0.535
0.482
0.434
0.391
0.352
0.317
0.286
0.258
0.232
0.209
0.188
0.170
0.153

0.138
0.124
0.112
0.101
0.091
0.082
0.074
0.044
0.026
0.015
0.009
0.005

11%
0.893
0.797
0.712
0.636
0.567
0.507
0.452
0.404
0.361
0.322
0.287
0.257
0.229
0.205
0.183
0.163

0.146
0.130
0.116
0.104
0.093
0.083
0.074
0.066
0.059
0.033
0.019
0.011
0.006
0.003

12%
0.885
0.783
0.693
0.613
0.543
0.480
0.425
0.376
0.333
0.295
0.261
0.231
0.204
0.181

0.160
0.141
0.125
0.111
0.098
0.087
0.077
0.068
0.060
0.053
0.047
0.026
0.014
0.008
0.004
0.002

13%

0.877
0.769
0.675
0.592
0.519
0.456
0.400
0.351
0.308
0.270
0.237

0.208
0.182
0.160
0.140
0.123
0.108
0.095
0.083
0.073
0.064
0.056
0.049
0.043
0.038
0.020
0.010
0.005
0.003
0.001

14%

0.870
0.756
0.658
0.572
0.497
0.432
0.376
0.327

0.284
0.247
0.215
0.187
0.163
0.141
0.123
0.107
0.093
0.081
0.070
0.061
0.053
0.046
0.040
0.035
0.030
0.015
0.008
0.004
0.002
0.001

15%

26-S2374-APAB 2/24/03 4:22 PM Page T-5

Appendix A: Financial Tables
T-5

/>

0.862
0.743
0.641
0.552
0.476
0.410
0.354
0.305
0.263
0.227
0.195
0.168
0.145
0.125
0.108
0.093
0.080
0.069
0.060
0.051
0.044
0.038
0.033
0.028
0.024
0.012
0.006
0.003

0.001
0.001

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35

40
45
50

0.855
0.731
0.624
0.534
0.456
0.390
0.333
0.285
0.243
0.208
0.178
0.152
0.130
0.111
0.095
0.081
0.069
0.059
0.051
0.043
0.037
0.032
0.027
0.023
0.020
0.009

0.004
0.002
0.001
*

17%
0.847
0.718
0.609
0.516
0.437
0.370
0.314
0.266
0.225
0.191
0.162
0.137
0.116
0.099
0.084
0.071
0.060
0.051
0.043
0.037
0.031
0.026
0.022
0.019

0.016
0.007
0.003
0.001
0.001
*

18%
0.840
0.706
0.593
0.499
0.419
0.352
0.296
0.249
0.209
0.176
0.148
0.124
0.104
0.088
0.074
0.062
0.052
0.044
0.037
0.031
0.026
0.022

0.018
0.015
0.013
0.005
0.002
0.001
*
*

19%
0.833
0.694
0.579
0.482
0.402
0.335
0.279
0.233
0.194
0.162
0.135
0.112
0.093
0.078
0.065
0.054
0.045
0.038
0.031
0.026

0.022
0.018
0.015
0.013
0.010
0.004
0.002
0.001
*
*

20%
0.826
0.683
0.564
0.467
0.386
0.319
0.263
0.218
0.180
0.149
0.123
0.102
0.084
0.069
0.057
0.047
0.039
0.032

0.027
0.022
0.018
0.015
0.012
0.010
0.009
0.003
0.001
*
*
*

21%
0.820
0.672
0.551
0.451
0.370
0.303
0.249
0.204
0.167
0.137
0.112
0.092
0.075
0.062
0.051
0.042

0.034
0.028
0.023
0.019
0.015
0.013
0.010
0.008
0.007
0.003
0.001
*
*
*

22%
0.813
0.661
0.537
0.437
0.355
0.289
0.235
0.191
0.155
0.126
0.103
0.083
0.068
0.055

0.045
0.036
0.030
0.024
0.020
0.016
0.013
0.011
0.009
0.007
0.006
0.002
0.001
*
*
*

23%
0.806
0.650
0.524
0.423
0.341
0.275
0.222
0.179
0.144
0.116
0.094
0.076

0.061
0.049
0.040
0.032
0.026
0.021
0.017
0.014
0.011
0.009
0.007
0.006
0.005
0.002
0.001
*
*
*

24%
0.800
0.640
0.512
0.410
0.328
0.262
0.210
0.168
0.134
0.107

0.086
0.069
0.055
0.044
0.035
0.028
0.023
0.018
0.014
0.012
0.009
0.007
0.006
0.005
0.004
0.001
*
*
*
*

25%
0.794
0.630
0.500
0.397
0.315
0.250
0.198
0.157

0.125
0.099
0.079
0.062
0.050
0.039
0.031
0.025
0.020
0.016
0.012
0.010
0.008
0.006
0.005
0.004
0.003
0.001
*
*
*
*

26%

0.787
0.620
0.488
0.384
0.303

0.238
0.188
0.148
0.116
0.092
0.072
0.057
0.045
0.035
0.028
0.022
0.017
0.014
0.011
0.008
0.007
0.005
0.004
0.003
0.003
0.001
*
*
*
*

27%

T-6

CuuDuongThanCong.com

/>
* PVF is zero to three decimal places.

16%

Period

PVFr%,n ϭ 1/(1 ϩ r)n

Table A2 (continued )
Present Value Factors for One Dollar Discounted at r Percent for n Periods

26-S2374-APAB 2/24/03 4:22 PM Page T-6

Appendix A: Financial Tables


CuuDuongThanCong.com

/>
0.781
0.610
0.477
0.373
0.291
0.227
0.178
0.139

0.108
0.085
0.066
0.052
0.040
0.032
0.025
0.019
0.015
0.012
0.009
0.007
0.006
0.004
0.003
0.003
0.002
0.001
*
*
*
*

1
2
3
4
5
6
7

8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

29%
0.775
0.601
0.466
0.361
0.280

0.217
0.168
0.130
0.101
0.078
0.061
0.047
0.037
0.028
0.022
0.017
0.013
0.010
0.008
0.006
0.005
0.004
0.003
0.002
0.002
*
*
*
*
*

* PVF is zero to three decimal places.

28%

Period

Table A2 (continued )
0.769
0.592
0.455
0.350
0.269
0.207
0.159
0.123
0.094
0.073
0.056
0.043
0.033
0.025
0.020
0.015
0.012
0.009
0.007
0.005
0.004
0.003
0.002
0.002
0.001
*
*

*
*
*

30%
0.763
0.583
0.445
0.340
0.259
0.198
0.151
0.115
0.088
0.067
0.051
0.039
0.030
0.023
0.017
0.013
0.010
0.008
0.006
0.005
0.003
0.003
0.002
0.002
0.001

*
*
*
*
*

31%
0.758
0.574
0.435
0.329
0.250
0.189
0.143
0.108
0.082
0.062
0.047
0.036
0.027
0.021
0.016
0.012
0.009
0.007
0.005
0.004
0.003
0.002
0.002

0.001
0.001
*
*
*
*
*

32%
0.752
0.565
0.425
0.320
0.240
0.181
0.136
0.102
0.077
0.058
0.043
0.033
0.025
0.018
0.014
0.010
0.008
0.006
0.004
0.003
0.003

0.002
0.001
0.001
0.001
*
*
*
*
*

33%
0.746
0.557
0.416
0.310
0.231
0.173
0.129
0.096
0.072
0.054
0.040
0.030
0.022
0.017
0.012
0.009
0.007
0.005
0.004

0.003
0.002
0.002
0.001
0.001
0.001
*
*
*
*
*

34%
0.741
0.549
0.406
0.301
0.223
0.165
0.122
0.091
0.067
0.050
0.037
0.027
0.020
0.015
0.011
0.008
0.006

0.005
0.003
0.002
0.002
0.001
0.001
0.001
0.001
*
*
*
*
*

35%
0.714
0.510
0.364
0.260
0.186
0.133
0.095
0.068
0.048
0.035
0.025
0.018
0.013
0.009
0.006

0.005
0.003
0.002
0.002
0.001
0.001
0.001
*
*
*
*
*
*
*
*

40%

0.690
0.476
0.328
0.226
0.156
0.108
0.074
0.051
0.035
0.024
0.017
0.012

0.008
0.006
0.004
0.003
0.002
0.001
0.001
0.001
*
*
*
*
*
*
*
*
*
*

45%

0.667
0.444
0.296
0.198
0.132
0.088
0.059
0.039
0.026

0.017
0.012
0.008
0.005
0.003
0.002
0.002
0.001
0.001
*
*
*
*
*
*
*
*
*
*
*
*

50%

26-S2374-APAB 2/24/03 4:22 PM Page T-7

Appendix A: Financial Tables
T-7

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

Period

1.000
2.010
3.030
4.060
5.101
6.152
7.214
8.286
9.369
10.462
11.567
12.683
13.809
14.947
16.097
17.258
18.430
19.615
20.811
22.019
23.239
24.472
25.716
26.973
28.243
34.785
41.660

48.886
56.481
64.463

1%

3%

1.000
1.000
2.020
2.030
3.060
3.091
4.122
4.184
5.204
5.309
6.308
6.468
7.434
7.662
8.583
8.892
9.755 10.159
10.950 11.464
12.169 12.808
13.412 14.192
14.680 15.618
15.974 17.086

17.293 18.599
18.639 20.157
20.012 21.762
21.412 23.414
22.841 25.117
24.297 26.870
25.783 28.676
27.299 30.537
28.845 32.453
30.422 34.426
32.030 36.459
40.568 47.575
49.994 60.462
60.402 75.401
71.893 92.720
84.579 112.797

2%

5%

6%

7%

1.000
1.000
1.000
1.000
2.040

2.050
2.060
2.070
3.122
3.153
3.184
3.215
4.246
4.310
4.375
4.440
5.416
5.526
5.637
5.751
6.633
6.802
6.975
7.153
7.898
8.142
8.394
8.654
9.214
9.549
9.897
10.260
10.583
11.027
11.491

11.978
12.006
12.578
13.181
13.816
13.486
14.207
14.972
15.784
15.026
15.917
16.870
17.888
16.627
17.713
18.882
20.141
18.292
19.599
21.015
22.550
20.024
21.579
23.276
25.129
21.825
23.657
25.673
27.888
23.698

25.840
28.213
30.840
25.645
28.132
30.906
33.999
27.671
30.539
33.760
37.379
29.778
33.066
36.786
40.995
31.969
35.719
39.993
44.865
34.248
38.505
43.392
49.006
36.618
41.430
46.996
53.436
39.083
44.502
50.816

58.177
41.646
47.727
54.865
63.249
56.085
66.439
79.058
94.461
73.652
90.320 111.435 138.237
95.026 120.800 154.762 199.635
121.029 159.700 212.744 285.749
152.667 209.348 290.336 406.529

4%
1.000
2.080
3.246
4.506
5.867
7.336
8.923
10.637
12.488
14.487
16.645
18.977
21.495
24.215

27.152
30.324
33.750
37.450
41.446
45.762
50.423
55.457
60.893
66.765
73.106
113.283
172.317
259.057
386.506
573.770

8%

Table A3
Future Value Factors for a One-Dollar Ordinary Annuity Compounded at r Percent for n Periods
11 ϩ r2 n Ϫ 1
FVFAr %,n ϭ PMT ϫ
r

1.000
2.090
3.278
4.573
5.985

7.523
9.200
11.028
13.021
15.193
17.560
20.141
22.953
26.019
29.361
33.003
36.974
41.301
46.018
51.160
56.765
62.873
69.532
76.790
84.701
136.308
215.711
337.882
525.859
815.084

9%

11%

12%

13%

14%

15%

1.000
1.000
1.000
1.000
1.000
1.000
2.100
2.110
2.120
2.130
2.140
2.150
3.310
3.342
3.374
3.407
3.440
3.473
4.641
4.710
4.779
4.850

4.921
4.993
6.105
6.228
6.353
6.480
6.610
6.742
7.716
7.913
8.115
8.323
8.536
8.754
9.487
9.783
10.089
10.405
10.730
11.067
11.436
11.859
12.300
12.757
13.233
13.727
13.579
14.164
14.776
15.416

16.085
16.786
15.937
16.722
17.549
18.420
19.337
20.304
18.531
19.561
20.655
21.814
23.045
24.349
21.384
22.713
24.133
25.650
27.271
29.002
24.523
26.212
28.029
29.985
32.089
34.352
27.975
30.095
32.393
34.883

37.581
40.505
31.772
34.405
37.280
40.417
43.842
47.580
35.950
39.190
42.753
46.672
50.980
55.717
40.545
44.501
48.884
53.739
59.118
65.075
45.599
50.396
55.750
61.725
68.394
75.836
51.159
56.939
63.440
70.749

78.969
88.212
57.275
64.203
72.052
80.947
91.025 102.444
64.002
72.265
81.699
92.470 104.768 118.810
71.403
81.214
92.503 105.491 120.436 137.632
79.543
91.148 104.603 120.205 138.297 159.276
88.497 102.174 118.155 136.831 158.659 184.168
98.347 114.413 133.334 155.620 181.871 212.793
164.494 199.021 241.333 293.199 356.787 434.745
271.024 341.590 431.663 546.681 693.573 881.170
442.593 581.826 767.091 1013.704 1342.025 1779.090
718.905 986.639 1358.230 1874.165 2590.565 3585.128
1163.909 1668.771 2400.018 3459.507 4994.521 7217.716

10%

26-S2374-APAB 2/24/03 4:22 PM Page T-8

T-8
Appendix A: Financial Tables

CuuDuongThanCong.com

/>

CuuDuongThanCong.com

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

24
25
30
35
40
45
50

Period

17%

18%

19%

20%

21%

22%

23%

24%

25%

26%

27%

1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
2.160
2.170
2.180
2.190
2.200
2.210
2.220
2.230
2.240
2.250
2.260
2.270
3.506
3.539
3.572
3.606

3.640
3.674
3.708
3.743
3.778
3.813
3.848
3.883
5.066
5.141
5.215
5.291
5.368
5.446
5.524
5.604
5.684
5.766
5.848
5.931
6.877
7.014
7.154
7.297
7.442
7.589
7.740
7.893
8.048
8.207

8.368
8.533
8.977
9.207
9.442
9.683
9.930
10.183
10.442
10.708
10.980
11.259
11.544
11.837
11.414
11.772
12.142
12.523
12.916
13.321
13.740
14.171
14.615
15.073
15.546
16.032
14.240
14.773
15.327
15.902

16.499
17.119
17.762
18.430
19.123
19.842
20.588
21.361
17.519
18.285
19.086
19.923
20.799
21.714
22.670
23.669
24.712
25.802
26.940
28.129
21.321
22.393
23.521
24.709
25.959
27.274
28.657
30.113
31.643
33.253

34.945
36.723
25.733
27.200
28.755
30.404
32.150
34.001
35.962
38.039
40.238
42.566
45.031
47.639
30.850
32.824
34.931
37.180
39.581
42.142
44.874
47.788
50.895
54.208
57.739
61.501
36.786
39.404
42.219
45.244

48.497
51.991
55.746
59.779
64.110
68.760
73.751
79.107
43.672
47.103
50.818
54.841
59.196
63.909
69.010
74.528
80.496
86.949
93.926
101.465
51.660
56.110
60.965
66.261
72.035
78.330
85.192
92.669
100.815
109.687

119.347
129.861
60.925
66.649
72.939
79.850
87.442
95.780
104.935
114.983
126.011
138.109
151.377
165.924
71.673
78.979
87.068
96.022
105.931
116.894
129.020
142.430
157.253
173.636
191.735
211.723
84.141
93.406
103.740
115.266

128.117
142.441
158.405
176.188
195.994
218.045
242.585
269.888
98.603
110.285
123.414
138.166
154.740
173.354
194.254
217.712
244.033
273.556
306.658
343.758
115.380
130.033
146.628
165.418
186.688
210.758
237.989
268.785
303.601
342.945

387.389
437.573
134.841
153.139
174.021
197.847
225.026
256.018
291.347
331.606
377.465
429.681
489.110
556.717
157.415
180.172
206.345
236.438
271.031
310.781
356.443
408.875
469.056
538.101
617.278
708.031
183.601
211.801
244.487
282.362

326.237
377.045
435.861
503.917
582.630
673.626
778.771
900.199
213.978
248.808
289.494
337.010
392.484
457.225
532.750
620.817
723.461
843.033
982.251
1144.253
249.214
292.105
342.603
402.042
471.981
554.242
650.955
764.605
898.092
1054.791

1238.636
1454.201
530.312
647.439
790.948
966.712 1181.882 1445.151 1767.081
2160.491
2640.916
3227.174
3942.026
4812.977
1120.713 1426.491 1816.652 2314.214 2948.341 3755.938 4783.645
6090.334
7750.225
9856.761
12527.442
15909.824
2360.757 3134.522 4163.213 5529.829 7343.858 9749.525 12936.535
17154.046
22728.803
30088.655
39792.982
52571.998
4965.274 6879.291 9531.577 13203.424 18281.310 25295.346 34971.419
48301.775
66640.376
91831.496 126382.798 173697.840
10435.649 15089.502 21813.094 31515.336 45497.191 65617.202 94525.279 135992.154 195372.644 280255.693 401374.471 573877.874

16%

Table A3 (continued )

26-S2374-APAB 2/24/03 4:22 PM Page T-9

Appendix A: Financial Tables
T-9

/>

CuuDuongThanCong.com

/>

CuuDuongThanCong.com

1
2
3
4
5
6
7
8
9
10
11
12
13
14

15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

Period

0.990
1.970
2.941
3.902
4.853
5.795
6.728
7.652
8.566
9.471
10.368

11.255
12.134
13.004
13.865
14.718
15.562
16.398
17.226
18.046
18.857
19.660
20.456
21.243
22.023
25.808
29.409
32.835
36.095
39.196

1%
0.980
1.942
2.884
3.808
4.713
5.601
6.472
7.325
8.162

8.983
9.787
10.575
11.348
12.106
12.849
13.578
14.292
14.992
15.678
16.351
17.011
17.658
18.292
18.914
19.523
22.396
24.999
27.355
29.490
31.424

2%
0.971
1.913
2.829
3.717
4.580
5.417
6.230

7.020
7.786
8.530
9.253
9.954
10.635
11.296
11.938
12.561
13.166
13.754
14.324
14.877
15.415
15.937
16.444
16.936
17.413
19.600
21.487
23.115
24.519
25.730

3%

4%
0.952
1.859
2.723

3.546
4.329
5.076
5.786
6.463
7.108
7.722
8.306
8.863
9.394
9.899
10.380
10.838
11.274
11.690
12.085
12.462
12.821
13.163
13.489
13.799
14.094
15.372
16.374
17.159
17.774
18.256

5%

6%
0.943
1.833
2.673
3.465
4.212
4.917
5.582
6.210
6.802
7.360
7.887
8.384
8.853
9.295
9.712
10.106
10.477
10.828
11.158
11.470
11.764
12.042
12.303
12.550
12.783
13.765
14.498
15.046
15.456

15.762

PMT
1
d
ϫ c1 Ϫ
r
11 ϩ r2 n

0.962
1.886
2.775
3.630
4.452
5.242
6.002
6.733
7.435
8.111
8.760
9.385
9.986
10.563
11.118
11.652
12.166
12.659
13.134
13.590
14.029

14.451
14.857
15.247
15.622
17.292
18.665
19.793
20.720
21.482

PVFA r %,n ϭ

0.935
1.808
2.624
3.387
4.100
4.767
5.389
5.971
6.515
7.024
7.499
7.943
8.358
8.745
9.108
9.447
9.763
10.059

10.336
10.594
10.836
11.061
11.272
11.469
11.654
12.409
12.948
13.332
13.606
13.801

7%
0.926
1.783
2.577
3.312
3.993
4.623
5.206
5.747
6.247
6.710
7.139
7.536
7.904
8.244
8.559
8.851

9.122
9.372
9.604
9.818
10.017
10.201
10.371
10.529
10.675
11.258
11.655
11.925
12.108
12.233

8%

Table A4
Present Value Factors for a One-Dollar Ordinary Annuity Discounted at r Percent for n Periods

0.917
1.759
2.531
3.240
3.890
4.486
5.033
5.535
5.995
6.418

6.805
7.161
7.487
7.786
8.061
8.313
8.544
8.756
8.950
9.129
9.292
9.442
9.580
9.707
9.823
10.274
10.567
10.757
10.881
10.962

9%
0.909
1.736
2.487
3.170
3.791
4.355
4.868
5.335

5.759
6.145
6.495
6.814
7.103
7.367
7.606
7.824
8.022
8.201
8.365
8.514
8.649
8.772
8.883
8.985
9.077
9.427
9.644
9.779
9.863
9.915

10%
0.901
1.713
2.444
3.102
3.696
4.231

4.712
5.146
5.537
5.889
6.207
6.492
6.750
6.982
7.191
7.379
7.549
7.702
7.839
7.963
8.075
8.176
8.266
8.348
8.422
8.694
8.855
8.951
9.008
9.042

11%
0.893
1.690
2.402
3.037

3.605
4.111
4.564
4.968
5.328
5.650
5.938
6.194
6.424
6.628
6.811
6.974
7.120
7.250
7.366
7.469
7.562
7.645
7.718
7.784
7.843
8.055
8.176
8.244
8.283
8.304

12%
0.885
1.668

2.361
2.974
3.517
3.998
4.423
4.799
5.132
5.426
5.687
5.918
6.122
6.302
6.462
6.604
6.729
6.840
6.938
7.025
7.102
7.170
7.230
7.283
7.330
7.496
7.586
7.634
7.661
7.675

13%

0.877
1.647
2.322
2.914
3.433
3.889
4.288
4.639
4.946
5.216
5.453
5.660
5.842
6.002
6.142
6.265
6.373
6.467
6.550
6.623
6.687
6.743
6.792
6.835
6.873
7.003
7.070
7.105
7.123

7.133

14%

0.870
1.626
2.283
2.855
3.352
3.784
4.160
4.487
4.772
5.019
5.234
5.421
5.583
5.724
5.847
5.954
6.047
6.128
6.198
6.259
6.312
6.359
6.399
6.434
6.464
6.566

6.617
6.642
6.654
6.661

15%

26-S2374-APAB 2/24/03 4:22 PM Page T-11

Appendix A: Financial Tables
T-11

/>

16%

0.862
1.605
2.246
2.798
3.274
3.685
4.039
4.344
4.607
4.833
5.029
5.197
5.342
5.468

5.575
5.668
5.749
5.818
5.877
5.929
5.973
6.011
6.044
6.073
6.097
6.177
6.215
6.233
6.242
6.246

Period

1
2
3
4
5
6
7
8
9
10
11

12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

0.855
1.585
2.210
2.743
3.199
3.589
3.922
4.207
4.451
4.659

4.836
4.988
5.118
5.229
5.324
5.405
5.475
5.534
5.584
5.628
5.665
5.696
5.723
5.746
5.766
5.829
5.858
5.871
5.877
5.880

17%
0.847
1.566
2.174
2.690
3.127
3.498
3.812
4.078

4.303
4.494
4.656
4.793
4.910
5.008
5.092
5.162
5.222
5.273
5.316
5.353
5.384
5.410
5.432
5.451
5.467
5.517
5.539
5.548
5.552
5.554

0.840
1.547
2.140
2.639
3.058
3.410
3.706

3.954
4.163
4.339
4.486
4.611
4.715
4.802
4.876
4.938
4.990
5.033
5.070
5.101
5.127
5.149
5.167
5.182
5.195
5.235
5.251
5.258
5.261
5.262

19%

PMT
1
d
ϫ c1 Ϫ

r
11 ϩ r2 n

18%

PVFA r %,n ϭ

0.833
1.528
2.106
2.589
2.991
3.326
3.605
3.837
4.031
4.192
4.327
4.439
4.533
4.611
4.675
4.730
4.775
4.812
4.843
4.870
4.891
4.909
4.925

4.937
4.948
4.979
4.992
4.997
4.999
4.999

20%
0.826
1.509
2.074
2.540
2.926
3.245
3.508
3.726
3.905
4.054
4.177
4.278
4.362
4.432
4.489
4.536
4.576
4.608
4.635
4.657
4.675

4.690
4.703
4.713
4.721
4.746
4.756
4.760
4.761
4.762

21%

Table A4 (continued )
Present Value Factors for a One-Dollar Ordinary Annuity Discounted at r Percent for n Periods

0.820
1.492
2.042
2.494
2.864
3.167
3.416
3.619
3.786
3.923
4.035
4.127
4.203
4.265
4.315

4.357
4.391
4.419
4.442
4.460
4.476
4.488
4.499
4.507
4.514
4.534
4.541
4.544
4.545
4.545

22%
0.813
1.474
2.011
2.448
2.803
3.092
3.327
3.518
3.673
3.799
3.902
3.985
4.053

4.108
4.153
4.189
4.219
4.243
4.263
4.279
4.292
4.302
4.311
4.318
4.323
4.339
4.345
4.347
4.347
4.348

23%
0.806
1.457
1.981
2.404
2.745
3.020
3.242
3.421
3.566
3.682
3.776

3.851
3.912
3.962
4.001
4.033
4.059
4.080
4.097
4.110
4.121
4.130
4.137
4.143
4.147
4.160
4.164
4.166
4.166
4.167

24%
0.800
1.440
1.952
2.362
2.689
2.951
3.161
3.329
3.463

3.571
3.656
3.725
3.780
3.824
3.859
3.887
3.910
3.928
3.942
3.954
3.963
3.970
3.976
3.981
3.985
3.995
3.998
3.999
4.000
4.000

25%

0.794
1.424
1.923
2.320
2.635
2.885

3.083
3.241
3.366
3.465
3.543
3.606
3.656
3.695
3.726
3.751
3.771
3.786
3.799
3.808
3.816
3.822
3.827
3.831
3.834
3.842
3.845
3.846
3.846
3.846

26%

0.787
1.407
1.896

2.280
2.583
2.821
3.009
3.156
3.273
3.364
3.437
3.493
3.538
3.573
3.601
3.623
3.640
3.654
3.664
3.673
3.679
3.684
3.689
3.692
3.694
3.701
3.703
3.703
3.704
3.704

27%

26-S2374-APAB 2/24/03 4:22 PM Page T-12

T-12
Appendix A: Financial Tables

CuuDuongThanCong.com

/>

28%

0.781
1.392
1.868
2.241
2.532
2.759
2.937
3.076
3.184
3.269
3.335
3.387
3.427
3.459
3.483
3.503
3.518
3.529
3.539

3.546
3.551
3.556
3.559
3.562
3.564
3.569
3.571
3.571
3.571
3.571

Period

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

17
18
19
20
21
22
23
24
25
30
35
40
45
50

Table A4 (continued )

CuuDuongThanCong.com

0.775
1.376
1.842
2.203
2.483
2.700
2.868
2.999
3.100
3.178
3.239

3.286
3.322
3.351
3.373
3.390
3.403
3.413
3.421
3.427
3.432
3.436
3.438
3.441
3.442
3.447
3.448
3.448
3.448
3.448

29%
0.769
1.361
1.816
2.166
2.436
2.643
2.802
2.925
3.019

3.092
3.147
3.190
3.223
3.249
3.268
3.283
3.295
3.304
3.311
3.316
3.320
3.323
3.325
3.327
3.329
3.332
3.333
3.333
3.333
3.333

30%
0.763
1.346
1.791
2.130
2.390
2.588
2.739

2.854
2.942
3.009
3.060
3.100
3.129
3.152
3.170
3.183
3.193
3.201
3.207
3.211
3.215
3.217
3.219
3.221
3.222
3.225
3.226
3.226
3.226
3.226

31%
0.758
1.331
1.766
2.096
2.345

2.534
2.677
2.786
2.868
2.930
2.978
3.013
3.040
3.061
3.076
3.088
3.097
3.104
3.109
3.113
3.116
3.118
3.120
3.121
3.122
3.124
3.125
3.125
3.125
3.125

32%
0.752
1.317
1.742

2.062
2.302
2.483
2.619
2.721
2.798
2.855
2.899
2.931
2.956
2.974
2.988
2.999
3.007
3.012
3.017
3.020
3.023
3.025
3.026
3.027
3.028
3.030
3.030
3.030
3.030
3.030

33%
0.746

1.303
1.719
2.029
2.260
2.433
2.562
2.658
2.730
2.784
2.824
2.853
2.876
2.892
2.905
2.914
2.921
2.926
2.930
2.933
2.935
2.936
2.938
2.939
2.939
2.941
2.941
2.941
2.941
2.941

34%
0.741
1.289
1.696
1.997
2.220
2.385
2.508
2.598
2.665
2.715
2.752
2.779
2.799
2.814
2.825
2.834
2.840
2.844
2.848
2.850
2.852
2.853
2.854
2.855
2.856
2.857
2.857
2.857
2.857

2.857

35%
0.714
1.224
1.589
1.849
2.035
2.168
2.263
2.331
2.379
2.414
2.438
2.456
2.469
2.478
2.484
2.489
2.492
2.494
2.496
2.497
2.498
2.498
2.499
2.499
2.499
2.500
2.500

2.500
2.500
2.500

40%

0.690
1.165
1.493
1.720
1.876
1.983
2.057
2.109
2.144
2.168
2.185
2.196
2.204
2.210
2.214
2.216
2.218
2.219
2.220
2.221
2.221
2.222
2.222
2.222

2.222
2.222
2.222
2.222
2.222
2.222

45%

0.667
1.111
1.407
1.605
1.737
1.824
1.883
1.922
1.948
1.965
1.977
1.985
1.990
1.993
1.995
1.997
1.998
1.999
1.999
1.999
2.000

2.000
2.000
2.000
2.000
2.000
2.000
2.000
2.000
2.000

50%

26-S2374-APAB 2/24/03 4:22 PM Page T-13

Appendix A: Financial Tables
T-13

/>

1%

1.010
1.020
1.030
1.041
1.051
1.062
1.073
1.083
1.094

1.105
1.116
1.127
1.139
1.150
1.162
1.174
1.185
1.197
1.209
1.221
1.234
1.246
1.259
1.271
1.284
1.350
1.419
1.492
1.568
1.649

Period

1
2
3
4
5
6

7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

1.020
1.041
1.062
1.083
1.105

1.127
1.150
1.174
1.197
1.221
1.246
1.271
1.297
1.323
1.350
1.377
1.405
1.433
1.462
1.492
1.522
1.553
1.584
1.616
1.649
1.822
2.014
2.226
2.460
2.718

2%
1.030
1.062
1.094

1.127
1.162
1.197
1.234
1.271
1.310
1.350
1.391
1.433
1.477
1.522
1.568
1.616
1.665
1.716
1.768
1.822
1.878
1.935
1.994
2.054
2.117
2.460
2.858
3.320
3.857
4.482

3%

4%
1.041
1.083
1.127
1.174
1.221
1.271
1.323
1.377
1.433
1.492
1.553
1.616
1.682
1.751
1.822
1.896
1.974
2.054
2.138
2.226
2.316
2.411
2.509
2.612
2.718
3.320
4.055
4.953
6.050

7.389

FVFr%,n ϭ ern

1.051
1.105
1.162
1.221
1.284
1.350
1.419
1.492
1.568
1.649
1.733
1.822
1.916
2.014
2.117
2.226
2.340
2.460
2.586
2.718
2.858
3.004
3.158
3.320
3.490
4.482

5.755
7.389
9.488
12.182

5%
1.062
1.127
1.197
1.271
1.350
1.433
1.522
1.616
1.716
1.822
1.935
2.054
2.181
2.316
2.460
2.612
2.773
2.945
3.127
3.320
3.525
3.743
3.975
4.221

4.482
6.050
8.166
11.023
14.880
20.086

6%
1.073
1.150
1.234
1.323
1.419
1.522
1.632
1.751
1.878
2.014
2.160
2.316
2.484
2.664
2.858
3.065
3.287
3.525
3.781
4.055
4.349
4.665

5.003
5.366
5.755
8.166
11.588
16.445
23.336
33.115

7%

8%
1.083
1.174
1.271
1.377
1.492
1.616
1.751
1.896
2.054
2.226
2.411
2.612
2.829
3.065
3.320
3.597
3.896
4.221

4.572
4.953
5.366
5.812
6.297
6.821
7.389
11.023
16.445
24.533
36.598
54.598

Table A5
Future Value Factor for One Dollar Compounded Continuously at r Percent for n Periods

10%

1.094
1.105
1.197
1.221
1.310
1.350
1.433
1.492
1.568
1.649
1.716
1.822

1.878
2.014
2.054
2.226
2.248
2.460
2.460
2.718
2.691
3.004
2.945
3.320
3.222
3.669
3.525
4.055
3.857
4.482
4.221
4.953
4.618
5.474
5.053
6.050
5.529
6.686
6.050
7.389
6.619
8.166

7.243
9.025
7.925
9.974
8.671
11.023
9.488
12.182
14.880
20.086
23.336
33.115
36.598
54.598
57.397
90.017
90.017 148.413

9%
1.116
1.246
1.391
1.553
1.733
1.935
2.160
2.411
2.691
3.004
3.353

3.743
4.179
4.665
5.207
5.812
6.488
7.243
8.085
9.025
10.074
11.246
12.554
14.013
15.643
27.113
46.993
81.451
141.175
244.692

11%
1.127
1.271
1.433
1.616
1.822
2.054
2.316
2.612
2.945

3.320
3.743
4.221
4.759
5.366
6.050
6.821
7.691
8.671
9.777
11.023
12.429
14.013
15.800
17.814
20.086
36.598
66.686
121.510
221.406
403.429

12%

14%

1.139
1.150
1.297
1.323

1.477
1.522
1.682
1.751
1.916
2.014
2.181
2.316
2.484
2.664
2.829
3.065
3.222
3.525
3.669
4.055
4.179
4.665
4.759
5.366
5.419
6.172
6.172
7.099
7.029
8.166
8.004
9.393
9.116
10.805

10.381
12.429
11.822
14.296
13.464
16.445
15.333
18.916
17.462
21.758
19.886
25.028
22.646
28.789
25.790
33.115
49.402
66.686
94.632 134.290
181.272 270.426
347.234 544.572
665.142 1096.633

13%

1.162
1.350
1.568
1.822
2.117

2.460
2.858
3.320
3.857
4.482
5.207
6.050
7.029
8.166
9.488
11.023
12.807
14.880
17.288
20.086
23.336
27.113
31.500
36.598
42.521
90.017
190.566
403.429
854.059
1808.042

15%

26-S2374-APAB 2/24/03 4:22 PM Page T-14

T-14
Appendix A: Financial Tables

CuuDuongThanCong.com

/>

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

24
25
30
35
40
45
50

Period

1.174
1.377
1.616
1.896
2.226
2.612
3.065
3.597
4.221
4.953
5.812
6.821
8.004
9.393
11.023
12.936
15.180
17.814
20.905
24.533

28.789
33.784
39.646
46.525
54.598
121.510
270.426
601.845
1339.431
2980.958

16%

17%
1.185
1.405
1.665
1.974
2.340
2.773
3.287
3.896
4.618
5.474
6.488
7.691
9.116
10.805
12.807
15.180

17.993
21.328
25.280
29.964
35.517
42.098
49.899
59.145
70.105
164.022
383.753
897.847
2100.646
4914.769

Table A5 (continued )

19%

20%

21%

22%

23%

1.197
1.209
1.221

1.234
1.246
1.259
1.433
1.462
1.492
1.522
1.553
1.584
1.716
1.768
1.822
1.878
1.935
1.994
2.054
2.138
2.226
2.316
2.411
2.509
2.460
2.586
2.718
2.858
3.004
3.158
2.945
3.127
3.320

3.525
3.743
3.975
3.525
3.781
4.055
4.349
4.665
5.003
4.221
4.572
4.953
5.366
5.812
6.297
5.053
5.529
6.050
6.619
7.243
7.925
6.050
6.686
7.389
8.166
9.025
9.974
7.243
8.085
9.025

10.074
11.246
12.554
8.671
9.777
11.023
12.429
14.013
15.800
10.381
11.822
13.464
15.333
17.462
19.886
12.429
14.296
16.445
18.916
21.758
25.028
14.880
17.288
20.086
23.336
27.113
31.500
17.814
20.905
24.533

28.789
33.784
39.646
21.328
25.280
29.964
35.517
42.098
49.899
25.534
30.569
36.598
43.816
52.457
62.803
30.569
36.966
44.701
54.055
65.366
79.044
36.598
44.701
54.598
66.686
81.451
99.484
43.816
54.055
66.686

82.269
101.494
125.211
52.457
65.366
81.451
101.494
126.469
157.591
62.803
79.044
99.484
125.211
157.591
198.343
75.189
95.583
121.510
154.470
196.370
249.635
90.017
115.584
148.413
190.566
244.692
314.191
221.406
298.867
403.429

544.572
735.095
992.275
544.572
772.784 1096.633 1556.197 2208.348 3133.795
1339.431 1998.196 2980.958 4447.067 6634.244 9897.129
3294.468 5166.754 8103.084 12708.165 19930.370 31257.043
8103.084 13359.727 22026.466 36315.503 59874.142 98715.771

18%
1.271
1.616
2.054
2.612
3.320
4.221
5.366
6.821
8.671
11.023
14.013
17.814
22.646
28.789
36.598
46.525
59.145
75.189
95.583
121.510

154.470
196.370
249.635
317.348
403.429
1339.431
4447.067
14764.782
49020.801
162754.791

24%
1.284
1.649
2.117
2.718
3.490
4.482
5.755
7.389
9.488
12.182
15.643
20.086
25.790
33.115
42.521
54.598
70.105
90.017

115.584
148.413
190.566
244.692
314.191
403.429
518.013
1808.042
6310.688
22026.466
76879.920
268337.287

25%

1.297
1.682
2.181
2.829
3.669
4.759
6.172
8.004
10.381
13.464
17.462
22.646
29.371
38.092
49.402

64.072
83.096
107.770
139.770
181.272
235.097
304.905
395.440
512.859
665.142
2440.602
8955.293
32859.626
120571.715
442413.392

26%

1.310
1.716
2.248
2.945
3.857
5.053
6.619
8.671
11.359
14.880
19.492
25.534

33.448
43.816
57.397
75.189
98.494
129.024
169.017
221.406
290.035
379.935
497.701
651.971
854.059
3294.468
12708.165
49020.801
189094.090
729416.370

27%

26-S2374-APAB 2/24/03 4:22 PM Page T-15

Appendix A: Financial Tables

CuuDuongThanCong.com

T-15

/>

1.323
1.751
2.316
3.065
4.055
5.366
7.099
9.393
12.429
16.445
21.758
28.789
38.092
50.400
66.686
88.235
116.746
154.470
204.384
270.426
357.809
473.428
626.407
828.818
1096.633
4447.067
18033.745
73130.442
296558.565

*

28%
1.336
1.786
2.387
3.190
4.263
5.697
7.614
10.176
13.599
18.174
24.288
32.460
43.380
57.974
77.478
103.544
138.380
184.934
247.151
330.300
441.421
589.928
788.396
1053.634
1408.105
6002.912
25591.102

109097.799
465096.412
*

29%
1.350
1.822
2.460
3.320
4.482
6.050
8.166
11.023
14.880
20.086
27.113
36.598
49.402
66.686
90.017
121.510
164.022
221.406
298.867
403.429
544.572
735.095
992.275
1339.431
1808.042

8103.084
36315.503
162754.791
729416.370
*

30%
1.363
1.859
2.535
3.456
4.711
6.424
8.758
11.941
16.281
22.198
30.265
41.264
56.261
76.708
104.585
142.594
194.416
265.072
361.405
492.749
671.826
915.985
1248.877

1702.750
2321.572
10938.019
51534.151
242801.617
*
*

31%
1.377
1.896
2.612
3.597
4.953
6.821
9.393
12.936
17.814
24.533
33.784
46.525
64.072
88.235
121.510
167.335
230.442
317.348
437.029
601.845
828.818

1141.388
1571.837
2164.620
2980.958
14764.782
73130.442
362217.450
*
*

32%
1.391
1.935
2.691
3.743
5.207
7.243
10.074
14.013
19.492
27.113
37.713
52.457
72.966
101.494
141.175
196.370
273.144
379.935
528.477

735.095
1022.494
1422.257
1978.314
2751.771
3827.626
19930.370
103777.037
540364.937
*
*

33%
1.405
1.974
2.773
3.896
5.474
7.691
10.805
15.180
21.328
29.964
42.098
59.145
83.096
116.746
164.022
230.442
323.759

454.865
639.061
897.847
1261.428
1772.241
2489.905
3498.187
4914.769
26903.186
147266.625
806129.759
*
*

34%
1.419
2.014
2.858
4.055
5.755
8.166
11.588
16.445
23.336
33.115
46.993
66.686
94.632
134.290
190.566

270.426
383.753
544.572
772.784
1096.633
1556.197
2208.348
3133.795
4447.067
6310.688
36315.503
208981.289
*
*
*

35%
1.492
2.226
3.320
4.953
7.389
11.023
16.445
24.533
36.598
54.598
81.451
121.510
181.272

270.426
403.429
601.845
897.847
1339.431
1998.196
2980.958
4447.067
6634.244
9897.129
14764.782
22026.466
162754.791
*
*
*
*

40%
1.568
2.460
3.857
6.050
9.488
14.880
23.336
36.598
57.397
90.017
141.175

221.406
347.234
544.572
854.059
1339.431
2100.646
3294.468
5166.754
8103.084
12708.165
19930.370
31257.043
49020.801
76879.920
729416.370
*
*
*
*

45%

1.649
2.718
4.482
7.389
12.182
20.086
33.115
54.598

90.017
148.413
244.692
403.429
665.142
1096.633
1808.042
2980.958
4914.769
8103.084
13359.727
22026.466
36315.503
59874.142
98715.771
162754.791
268337.287

50%

T-16

CuuDuongThanCong.com

/>
* Not shown due to space limitations.

1
2
3

4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

Period

FVFr%,n ϭ ern

Table A5 (continued )
Future Value Factor for One Dollar Compounded Continuously at r Percent for n Periods

26-S2374-APAB 2/24/03 4:22 PM Page T-16

Appendix A: Financial Tables


1%

0.990
0.980
0.970
0.961
0.951
0.942
0.932
0.923
0.914
0.905
0.896
0.887
0.878
0.869
0.861
0.852
0.844
0.835

0.827
0.819
0.811
0.803
0.795
0.787
0.779
0.741
0.705
0.670
0.638
0.607

Period

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

CuuDuongThanCong.com

0.980
0.961
0.942
0.923
0.905
0.887
0.869
0.852
0.835
0.819
0.803
0.787

0.771
0.756
0.741
0.726
0.712
0.698
0.684
0.670
0.657
0.644
0.631
0.619
0.607
0.549
0.497
0.449
0.407
0.368

2%
0.970
0.942
0.914
0.887
0.861
0.835
0.811
0.787
0.763
0.741

0.719
0.698
0.677
0.657
0.638
0.619
0.600
0.583
0.566
0.549
0.533
0.517
0.502
0.487
0.472
0.407
0.350
0.301
0.259
0.223

3%

4%
0.961
0.923
0.887
0.852
0.819
0.787

0.756
0.726
0.698
0.670
0.644
0.619
0.595
0.571
0.549
0.527
0.507
0.487
0.468
0.449
0.432
0.415
0.399
0.383
0.368
0.301
0.247
0.202
0.165
0.135

PVFr%,n ϭ eϪrn

0.951
0.905
0.861

0.819
0.779
0.741
0.705
0.670
0.638
0.607
0.577
0.549
0.522
0.497
0.472
0.449
0.427
0.407
0.387
0.368
0.350
0.333
0.317
0.301
0.287
0.223
0.174
0.135
0.105
0.082

5%
0.942

0.887
0.835
0.787
0.741
0.698
0.657
0.619
0.583
0.549
0.517
0.487
0.458
0.432
0.407
0.383
0.361
0.340
0.320
0.301
0.284
0.267
0.252
0.237
0.223
0.165
0.122
0.091
0.067
0.050

6%
0.932
0.869
0.811
0.756
0.705
0.657
0.613
0.571
0.533
0.497
0.463
0.432
0.403
0.375
0.350
0.326
0.304
0.284
0.264
0.247
0.230
0.214
0.200
0.186
0.174
0.122
0.086
0.061
0.043

0.030

7%

Table A6
Present Value Factor for One Dollar Discounted Continuously at r Percent for n Periods

0.923
0.852
0.787
0.726
0.670
0.619
0.571
0.527
0.487
0.449
0.415
0.383
0.353
0.326
0.301
0.278
0.257
0.237
0.219
0.202
0.186
0.172
0.159

0.147
0.135
0.091
0.061
0.041
0.027
0.018

8%
0.914
0.835
0.763
0.698
0.638
0.583
0.533
0.487
0.445
0.407
0.372
0.340
0.310
0.284
0.259
0.237
0.217
0.198
0.181
0.165
0.151

0.138
0.126
0.115
0.105
0.067
0.043
0.027
0.017
0.011

9%
0.905
0.819
0.741
0.670
0.607
0.549
0.497
0.449
0.407
0.368
0.333
0.301
0.273
0.247
0.223
0.202
0.183
0.165
0.150

0.135
0.122
0.111
0.100
0.091
0.082
0.050
0.030
0.018
0.011
0.007

10%
0.896
0.803
0.719
0.644
0.577
0.517
0.463
0.415
0.372
0.333
0.298
0.267
0.239
0.214
0.192
0.172
0.154

0.138
0.124
0.111
0.099
0.089
0.080
0.071
0.064
0.037
0.021
0.012
0.007
0.004

11%
0.887
0.787
0.698
0.619
0.549
0.487
0.432
0.383
0.340
0.301
0.267
0.237
0.210
0.186
0.165

0.147
0.130
0.115
0.102
0.091
0.080
0.071
0.063
0.056
0.050
0.027
0.015
0.008
0.005
0.002

12%
0.878
0.771
0.677
0.595
0.522
0.458
0.403
0.353
0.310
0.273
0.239
0.210
0.185

0.162
0.142
0.125
0.110
0.096
0.085
0.074
0.065
0.057
0.050
0.044
0.039
0.020
0.011
0.006
0.003
0.002

13%

0.869
0.756
0.657
0.571
0.497
0.432
0.375
0.326
0.284
0.247

0.214
0.186
0.162
0.141
0.122
0.106
0.093
0.080
0.070
0.061
0.053
0.046
0.040
0.035
0.030
0.015
0.007
0.004
0.002
0.001

14%

0.861
0.741
0.638
0.549
0.472
0.407
0.350

0.301
0.259
0.223
0.192
0.165
0.142
0.122
0.105
0.091
0.078
0.067
0.058
0.050
0.043
0.037
0.032
0.027
0.024
0.011
0.005
0.002
0.001
0.001

15%

26-S2374-APAB 2/24/03 4:22 PM Page T-17

Appendix A: Financial Tables
T-17

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0.852
0.726
0.619
0.527
0.449
0.383
0.326
0.278
0.237
0.202
0.172
0.147
0.125
0.106
0.091
0.077
0.066
0.056
0.048
0.041
0.035
0.030
0.025
0.021
0.018
0.008
0.004

0.002
0.001
*

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30

35
40
45
50

0.844
0.712
0.600
0.507
0.427
0.361
0.304
0.257
0.217
0.183
0.154
0.130
0.110
0.093
0.078
0.066
0.056
0.047
0.040
0.033
0.028
0.024
0.020
0.017
0.014

0.006
0.003
0.001
*
*

17%
0.835
0.698
0.583
0.487
0.407
0.340
0.284
0.237
0.198
0.165
0.138
0.115
0.096
0.080
0.067
0.056
0.047
0.039
0.033
0.027
0.023
0.019
0.016

0.013
0.011
0.005
0.002
0.001
*
*

18%
0.827
0.684
0.566
0.468
0.387
0.320
0.264
0.219
0.181
0.150
0.124
0.102
0.085
0.070
0.058
0.048
0.040
0.033
0.027
0.022
0.018

0.015
0.013
0.010
0.009
0.003
0.001
0.001
*
*

19%
0.819
0.670
0.549
0.449
0.368
0.301
0.247
0.202
0.165
0.135
0.111
0.091
0.074
0.061
0.050
0.041
0.033
0.027
0.022

0.018
0.015
0.012
0.010
0.008
0.007
0.002
0.001
*
*
*

20%
0.811
0.657
0.533
0.432
0.350
0.284
0.230
0.186
0.151
0.122
0.099
0.080
0.065
0.053
0.043
0.035
0.028

0.023
0.018
0.015
0.012
0.010
0.008
0.006
0.005
0.002
0.001
*
*
*

21%
0.803
0.644
0.517
0.415
0.333
0.267
0.214
0.172
0.138
0.111
0.089
0.071
0.057
0.046
0.037

0.030
0.024
0.019
0.015
0.012
0.010
0.008
0.006
0.005
0.004
0.001
*
*
*
*

22%
0.795
0.631
0.502
0.399
0.317
0.252
0.200
0.159
0.126
0.100
0.080
0.063
0.050

0.040
0.032
0.025
0.020
0.016
0.013
0.010
0.008
0.006
0.005
0.004
0.003
0.001
*
*
*
*

23%
0.787
0.619
0.487
0.383
0.301
0.237
0.186
0.147
0.115
0.091
0.071

0.056
0.044
0.035
0.027
0.021
0.017
0.013
0.010
0.008
0.006
0.005
0.004
0.003
0.002
0.001
*
*
*
*

24%
0.779
0.607
0.472
0.368
0.287
0.223
0.174
0.135
0.105

0.082
0.064
0.050
0.039
0.030
0.024
0.018
0.014
0.011
0.009
0.007
0.005
0.004
0.003
0.002
0.002
0.001
*
*
*
*

25%
0.771
0.595
0.458
0.353
0.273
0.210
0.162

0.125
0.096
0.074
0.057
0.044
0.034
0.026
0.020
0.016
0.012
0.009
0.007
0.006
0.004
0.003
0.003
0.002
0.002
0.000
*
*
*
*

26%

0.763
0.583
0.445
0.340

0.259
0.198
0.151
0.115
0.088
0.067
0.051
0.039
0.030
0.023
0.017
0.013
0.010
0.008
0.006
0.005
0.003
0.003
0.002
0.002
0.001
*
*
*
*
*

27%

T-18

CuuDuongThanCong.com

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* Discount factor is zero to three decimal places.

16%

Period

PVFr%,n ϭ eϪrn

Table A6 (continued )
Present Value Factor for One Dollar Discounted Continuously at r Percent for n Periods

26-S2374-APAB 2/24/03 4:22 PM Page T-18

Appendix A: Financial Tables


CuuDuongThanCong.com

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0.756
0.571
0.432
0.326
0.247
0.186
0.141

0.106
0.080
0.061
0.046
0.035
0.026
0.020
0.015
0.011
0.009
0.006
0.005
0.004
0.003
0.002
0.002
0.001
0.001
*
*
*
*
*

1
2
3
4
5
6

7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
30
35
40
45
50

0.748
0.560
0.419
0.313
0.235

0.176
0.131
0.098
0.074
0.055
0.041
0.031
0.023
0.017
0.013
0.010
0.007
0.005
0.004
0.003
0.002
0.002
0.001
0.001
0.001
*
*
*
*
*

29%

* Discount factor is zero to three decimal places.

28%

Period

Table A6 (continued )
0.741
0.549
0.407
0.301
0.223
0.165
0.122
0.091
0.067
0.050
0.037
0.027
0.020
0.015
0.011
0.008
0.006
0.005
0.003
0.002
0.002
0.001
0.001
0.001
0.001

*
*
*
*
*

30%
0.733
0.538
0.395
0.289
0.212
0.156
0.114
0.084
0.061
0.045
0.033
0.024
0.018
0.013
0.010
0.007
0.005
0.004
0.003
0.002
0.001
0.001
0.001

0.001
*
*
*
*
*
*

31%
0.726
0.527
0.383
0.278
0.202
0.147
0.106
0.077
0.056
0.041
0.030
0.021
0.016
0.011
0.008
0.006
0.004
0.003
0.002
0.002
0.001

0.001
0.001
*
*
*
*
*
*
*

32%
0.719
0.517
0.372
0.267
0.192
0.138
0.099
0.071
0.051
0.037
0.027
0.019
0.014
0.010
0.007
0.005
0.004
0.003
0.002

0.001
0.001
0.001
0.001
*
*
*
*
*
*
*

33%
0.712
0.507
0.361
0.257
0.183
0.130
0.093
0.066
0.047
0.033
0.024
0.017
0.012
0.009
0.006
0.004
0.003

0.002
0.002
0.001
0.001
0.001
*
*
*
*
*
*
*
*

34%
0.705
0.497
0.350
0.247
0.174
0.122
0.086
0.061
0.043
0.030
0.021
0.015
0.011
0.007
0.005

0.004
0.003
0.002
0.001
0.001
0.001
*
*
*
*
*
*
*
*
*

35%
0.670
0.449
0.301
0.202
0.135
0.091
0.061
0.041
0.027
0.018
0.012
0.008
0.006

0.004
0.002
0.002
0.001
0.001
0.001
*
*
*
*
*
*
*
*
*
*
*

40%

0.638
0.407
0.259
0.165
0.105
0.067
0.043
0.027
0.017
0.011

0.007
0.005
0.003
0.002
0.001
0.001
*
*
*
*
*
*
*
*
*
*
*
*
*
*

45%

0.607
0.368
0.223
0.135
0.082
0.050
0.030

0.018
0.011
0.007
0.004
0.002
0.002
0.001
0.001
*
*
*
*
*
*
*
*
*
*
*
*
*
*
*

50%

26-S2374-APAB 2/24/03 4:22 PM Page T-19

Appendix A: Financial Tables
T-19

26-S2374-APAB 2/24/03 4:22 PM Page T-20

CuuDuongThanCong.com

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