APPENDIX A TO CHAPTER 16 Future Value and Present Value Tabl

APPENDIX A TO CHAPTER 16

Future Value and Present Value Tables

Table I
Future Value of $1.00(1 + r)ⁿ

Period

10%

12%

14%

20%

1.040

1.060

1.080

1.100

1.120

1.140

1.200

1.082

1.124

1.166

1.210

1.254

1.300

1.440

1.125

1.191

1.260

1.331

1.405

1.482

1.728

1.170

1.263

1.361

1.464

1.574

1.689

2.074

1.217

1.338

1.469

1.611

1.762

1.925

2.488

1.265

1.419

1.587

1.772

1.974

2.195

2.986

1.316

1.504

1.714

1.949

2.211

2.502

3.583

1.369

1.594

1.851

2.144

2.476

2.853

4.300

1.423

1.690

1.999

2.359

2.773

3.252

5.160

1.480

1.791

2.159

2.594

3.106

3.707

6.192

1.540

1.898

2.332

2.853

3.479

4.226

7.430

1.601

2.012

2.518

3.139

3.896

4.818

8.916

1.665

2.133

2.720

3.452

4.364

5.492

10.699

1.732

2.261

2.937

3.798

4.887

6.261

12.839

1.801

2.397

3.172

4.177

5.474

7.138

15.407

2.191

3.207

4.661

6.728

9.646

13.743

38.338

3.243

5.744

10.063

17.450

29.960

50.950

237.380

4.801

10.286

21.725

45.260

93.051

188.880

1,469.800

Table II
Future Value of a Series of $1.00 Cash Flows (Ordinary Annuity) ( 1 + r ) n ? 1 r

Period

10%

12%

14%

20%

1.000

2.040

2.060

2.080

2.100

2.120

2.140

2.220

3.122

3.184

3.246

3.310

3.374

3.440

3.640

4.247

4.375

4.506

4.641

4.779

4.921

5.368

5.416

5.637

5.867

6.105

6.353

6.610

7.442

6.633

6.975

7.336

7.716

8.115

8.536

9.930

7.898

8.394

8.923

9.487

10.089

10.730

12.916

9.214

9.898

10.637

11.436

12.300

13.233

16.499

10.583

11.491

12.488

13.580

14.776

16.085

20.799

12.006

13.181

14.487

15.938

17.549

19.337

25.959

13.486

14.972

16.646

18.531

20.655

23.045

32.150

15.026

16.870

18.977

21.385

24.133

27.271

39.580

16.627

18.882

21.495

24.523

28.029

32.089

48.497

18.292

21.015

24.215

27.976

32.393

37.581

59.196

20.024

23.276

27.152

31.773

37.280

43.842

72.035

29.778

36.778

45.762

57.276

75.052

91.025

186.690

56.085

79.058

113.283

164.496

241.330

356.790

1,181.900

95.026

154.762

259.057

442.597

767.090

1,342.000

7,343.900

Page 723

Table III
Present Value of $1.00 1 ( 1 + r ) n

Period

10%

12%

14%

16%

18%

20%

22%

24%

26%

28%

30%

32%

.962

.943

.926

.909

.893

.877

.862

.847

.833

.820

.806

.794

.781

.769

.758

.925

.890

.857

.826

.797

.769

.743

.718

.694

.672

.650

.630

.610

.592

.574

.889

.840

.794

.751

.712

.675

.641

.609

.579

.551

.524

.500

.477

.455

.435

.855

.792

.735

.683

.636

.592

.552

.516

.482

.451

.423

.397

.373

.350

.329

.822

.747

.681

.621

.567

.519

.476

.437

.402

.370

.341

.315

.291

.269

.250

.790

.705

.630

.564

.507

.456

.410

.370

.335

.303

.275

.250

.227

.207

.189

.760

.665

.583

.513

.452

.400

.354

.314

.279

.249

.222

.198

.178

.159

.143

.731

.627

.540

.467

.404

.351

.305

.266

.233

.204

.179

.157

.139

.123

.108

.703

.592

.500

.424

.361

.308

.263

.225

.194

.167

.144

.125

.108

.094

.082

.676

.558

.463

.386

.322

.270

.227

.191

.162

.137

.116

.099

.085

.073

.062

.650

.527

.429

.350

.287

.237

.195

.162

.135

.112

.094

.079

.066

.056

.047

.625

.497

.397

.319

.257

.208

.168

.137

.112

.092

.076

.062

.052

.043

.036

.601

.469

.368

.290

.229

.182

.145

.116

.093

.075

.061

.050

.040

.033

.027

.577

.442

.340

.263

.205

.160

.125

.099

.078

.062

.049

.039

.032

.025

.021

.555

.417

.315

.239

.183

.140

.108

.084

.065

.051

.040

.031

.025

.020

.016

.456

.312

.215

.149

.104

.073

.051

.037

.026

.019

.014

.010

.007

.005

.004

.308

.174

.099

.057

.033

.020

.012

.007

.004

.003

.002

.001

—

.208

.097

.046

.022

.011

.005

.003

.001

—

Table IV
Present Value of Series of $1.00 Cash Flows 1 r 1 ? 1 ( 1 + r n )

Period

10%

12%

14%

16%

18%

20%

22%

24%

25%

26%

28%

30%

0.962

0.943

0.926

0.909

0.893

0.877

0.862

0.847

0.833

0.820

0.806

0.800

0.794

0.781

0.769

1.886

1.833

1.783

1.736

1.690

1.647

1.605

1.566

1.528

1.492

1.457

1.440

1.424

1.392

1.361

2.775

2.673

2.577

2.487

2.402

2.322

2.246

2.174

2.106

2.042

1.981

1.952

1.923

1.868

1.816

3.630

3.465

3.312

3.170

3.037

2.914

2.798

2.690

2.589

2.494

2.404

2.362

2.320

2.241

2.166

4.452

4.212

3.993

3.791

3.605

3.433

3.274

3.127

2.991

2.864

2.745

2.689

2.635

2.532

2.436

5.242

4.917

4.623

4.355

4.111

3.889

3.685

3.498

3.326

3.167

3.020

2.951

2.885

2.759

2.643

6.002

5.582

5.206

4.868

4.564

4.288

4.039

3.812

3.605

3.416

3.242

3.161

3.083

2.937

2.802

6.733

6.210

5.747

5.335

4.968

4.639

4.344

4.078

3.837

3.619

3.421

3.329

3.241

3.076

2.925

7.435

6.802

6.247

5.759

5.328

4.946

4.607

4.303

4.031

3.786

3.566

3.463

3.366

3.184

3.019

8.111

7.360

6.710

6.145

5.650

5.216

4.833

4.494

4.192

3.923

3.682

3.571

3.465

3.269

3.092

8.760

7.887

7.139

6.495

5.938

5.453

5.029

4.656

4.327

4.035

3.776

3.656

3.544

3.335

3.147

9.385

8.384

7.536

6.814

6.194

5.660

5.197

4.793

4.439

4.127

3.851

3.725

3.606

3.387

3.190

9.986

8.853

7.904

7.103

6.424

5.842

5.342

4.910

4.533

4.203

3.912

3.780

3.656

3.427

3.223

10.563

9.295

8.244

7.367

6.628

6.002

5.468

5.008

4.611

4.265

3.962

3.824

3.695

3.459

3.249

11.118

9.712

8.559

7.606

6.811

6.142

5.575

5.092

4.675

4.315

4.001

3.859

3.726

3.483

3.268

13.590

11.470

9.818

8.514

7.469

6.623

5.929

5.353

4.870

4.460

4.110

3.954

3.808

3.546

3.316

17.292

13.765

11.258

9.427

8.055

7.003

6.177

5.517

4.979

4.534

4.160

3.995

3.842

3.569

3.332

19.793

15.046

11.925

9.779

8.244

7.105

6.234

5.548

4.997

4.544

4.166

3.999

3.846

3.571

3.333

Period	4%	6%	8%	10%	12%	14%	20%
1	1.040	1.060	1.080	1.100	1.120	1.140	1.200
2	1.082	1.124	1.166	1.210	1.254	1.300	1.440
3	1.125	1.191	1.260	1.331	1.405	1.482	1.728
4	1.170	1.263	1.361	1.464	1.574	1.689	2.074
5	1.217	1.338	1.469	1.611	1.762	1.925	2.488
6	1.265	1.419	1.587	1.772	1.974	2.195	2.986
7	1.316	1.504	1.714	1.949	2.211	2.502	3.583
8	1.369	1.594	1.851	2.144	2.476	2.853	4.300
9	1.423	1.690	1.999	2.359	2.773	3.252	5.160
10	1.480	1.791	2.159	2.594	3.106	3.707	6.192
11	1.540	1.898	2.332	2.853	3.479	4.226	7.430
12	1.601	2.012	2.518	3.139	3.896	4.818	8.916
13	1.665	2.133	2.720	3.452	4.364	5.492	10.699
14	1.732	2.261	2.937	3.798	4.887	6.261	12.839
15	1.801	2.397	3.172	4.177	5.474	7.138	15.407
20	2.191	3.207	4.661	6.728	9.646	13.743	38.338
30	3.243	5.744	10.063	17.450	29.960	50.950	237.380
40	4.801	10.286	21.725	45.260	93.051	188.880	1,469.800

Requirement 1-
3200 * FV Interest Factor (10%, 6 Years)
=3200*1.772= $ 5670.40

Hence, FV of amount invested is $ 5670.40

Requirement 2-
10700 * PV Interest Factor (8%, 5 Years)
= 10700*0.681 = $ 7286.70

Hence, the answer is $ 7286.70

Requirement 3-
Amount invested p.a * FVAF (4%, 4 years) = $ 59500
= Amount Invested p.a * 4.247 = $ 59500
= Amount invested p.a = 59500/4.247 = $ 14009.89

Hence, the answer is $ 14009.89

Requirement 4-
Amount required = 13700 * PVAF (6%, 3 Years) = 13700*2.673= $ 36620.10

Hence , the answer is $ 36620.10