esch_app_b.

qxd 2/12/03 6:03 PM Page 551

APPENDIX B
End-of-Period Compound
Interest Tables

Tables Included in Appendix

.25% .50% .75% 1% 1.5% 2%
3% 4% 5% 6% 7% 8%
9% 10% 11% 12% 13% 14%
15% 16% 17% 18% 19% 20%
25% 30% 35% 40% 50% 60%
70% 80% 90% 100%

Limits of the Factors

Factor When N = ∞ When i = 0

(F/P,i,N ) ∞ 1
(P/F,i, N ) 0 1
(A/P ,i, N ) i 1/N
(P/A,i, N ) 1/i N
(A/F,i, N ) 0 1/N
(F/A,i, N ) ∞ N
(P/G,i, N ) 1/i2 N(N − 1)/2
(A/G, i, N ) 1/i (N − 1)/2

551
esch_app_b.qxd 2/12/03 6:03 PM Page 559

END-OF-PERIOD COMPOUND INTEREST TABLES 559

4% End-of-Period Compound Interest Factors 4%

Single Payment Uniform Payment Series Arithmetic Gradient

Compound Present Capital Present Sinking Compound Present Uniform

Amount Worth Recovery Worth Fund Amount Worth Payment
Factor Factor Factor Factor Factor Factor Factor Factor
N F/P P/F A/P P/A A/F F/A P/G A/G N

1 1.040 .9615 1.0400 .962 1.0000 1.000 0 0 1

2 1.082 .9246 .5302 1.886 .4902 2.040 .925 .490 2
3 1.125 .8890 .3603 2.775 .3203 3.122 2.703 .974 3
4 1.170 .8548 .2755 3.630 .2355 4.246 5.267 1.451 4
5 1.217 .8219 .2246 4.452 .1846 5.416 8.555 1.922 5
6 1.265 .7903 .1908 5.242 .1508 6.633 12.506 2.386 6
7 1.316 .7599 .1666 6.002 .1266 7.898 17.066 2.843 7
8 1.369 .7307 .1485 6.733 .1085 9.214 22.181 3.294 8
9 1.423 .7026 .1345 7.435 .0945 10.583 27.801 3.739 9
10 1.480 .6756 .1233 8.111 .0833 12.006 33.881 4.177 10
11 1.539 .6496 .1141 8.760 .0741 13.486 40.377 4.609 11
12 1.601 .6246 .1066 9.385 .0666 15.026 47.248 5.034 12
13 1.665 .6006 .1001 9.986 .0601 16.627 54.455 5.453 13
14 1.732 .5775 .0947 10.563 .0547 18.292 61.962 5.866 14
15 1.801 .5553 .0899 11.118 .0499 20.024 69.735 6.272 15
16 1.873 .5339 .0858 11.652 .0458 21.825 77.744 6.672 16
17 1.948 .5134 .0822 12.166 .0422 23.698 85.958 7.066 17
18 2.026 .4936 .0790 12.659 .0390 25.645 94.350 7.453 18
19 2.107 .4746 .0761 13.134 .0361 27.671 102.893 7.834 19
20 2.191 .4564 .0736 13.590 .0336 29.778 111.565 8.209 20
21 2.279 .4388 .0713 14.029 .0313 31.969 120.341 8.578 21
22 2.370 .4220 .0692 14.451 .0292 34.248 129.202 8.941 22
23 2.465 .4057 .0673 14.857 .0273 36.618 138.128 9.297 23
24 2.563 .3901 .0656 15.247 .0256 39.083 147.101 9.648 24
25 2.666 .3751 .0640 15.622 .0240 41.646 156.104 9.993 25
26 2.772 .3607 .0626 15.983 .0226 44.312 165.121 10.331 26
27 2.883 .3468 .0612 16.330 .0212 47.084 174.138 10.664 27
28 2.999 .3335 .0600 16.663 .0200 49.968 183.142 10.991 28
29 3.119 .3207 .0589 16.984 .0189 52.966 192.121 11.312 29
30 3.243 .3083 .0578 17.292 .0178 56.085 201.062 11.627 30
31 3.373 .2965 .0569 17.588 .0169 59.328 209.956 11.937 31
32 3.508 .2851 .0559 17.874 .0159 62.701 218.792 12.241 32
33 3.648 .2741 .0551 18.148 .0151 66.210 227.563 12.540 33
34 3.794 .2636 .0543 18.411 .0143 69.858 236.261 12.832 34
35 3.946 .2534 .0536 18.665 .0136 73.652 244.877 13.120 35
40 4.801 .2083 .0505 19.793 .0105 95.026 286.530 14.477 40
45 5.841 .1712 .0483 20.720 .00826 121.0 325.403 15.705 45
50 7.107 .1407 .0466 21.482 .00655 152.7 361.164 16.812 50
55 8.646 .1157 .0452 22.109 .00523 191.2 393.689 17.807 55
60 10.520 .0951 .0442 22.623 .00420 238.0 422.997 18.697 60
65 12.799 .0781 .0434 23.047 .00339 295.0 449.201 19.491 65
70 15.572 .0642 .0427 23.395 .00275 364.3 472.479 20.196 70
75 18.945 .0528 .0422 23.680 .00223 448.6 493.041 20.821 75
80 23.050 .0434 .0418 23.915 .00181 551.2 511.116 21.372 80
85 28.044 .0357 .0415 24.109 .00148 676.1 526.938 21.857 85
90 34.119 .0293 .0412 24.267 .00121 828.0 540.737 22.283 90
95 41.511 .0241 .0410 24.398 .000987 1013 552.731 22.655 95
100 50.505 .0198 .0408 24.505 .000808 1238 563.125 22.980 100
∞ ∞ 0 .04 25 0 ∞ 625 25 ∞
esch_app_b.qxd 2/12/03 6:03 PM Page 567

END-OF-PERIOD COMPOUND INTEREST TABLES 567

12% End-of-Period Compound Interest Factors 12%

Single Payment Uniform Payment Series Arithmetic Gradient

Compound Present Capital Present Sinking Compound Present Uniform

Amount Worth Recovery Worth Fund Amount Worth Payment
Factor Factor Factor Factor Factor Factor Factor Factor
N F/P P/F A/P P/A A/F F/A P/G A/G N

1 1.120 .8929 1.1200 .893 1.0000 1.000 0 0 1

2 1.254 .7972 .5917 1.690 .4717 2.120 .797 .472 2
3 1.405 .7118 .4163 2.402 .2963 3.374 2.221 .925 3
4 1.574 .6355 .3292 3.037 .2092 4.779 4.127 1.359 4
5 1.762 .5674 .2774 3.605 .1574 6.353 6.397 1.775 5
6 1.974 .5066 .2432 4.111 .1232 8.115 8.930 2.172 6
7 2.211 .4523 .2191 4.564 .0991 10.089 11.644 2.551 7
8 2.476 .4039 .2013 4.968 .0813 12.300 14.471 2.913 8
9 2.773 .3606 .1877 5.328 .0677 14.776 17.356 3.257 9
10 3.106 .3220 .1770 5.650 .0570 17.549 20.254 3.585 10
11 3.479 .2875 .1684 5.938 .0484 20.655 23.129 3.895 11
12 3.896 .2567 .1614 6.194 .0414 24.133 25.952 4.190 12
13 4.363 .2292 .1557 6.424 .0357 28.029 28.702 4.468 13
14 4.887 .2046 .1509 6.628 .0309 32.393 31.362 4.732 14
15 5.474 .1827 .1468 6.811 .0268 37.280 33.920 4.980 15
16 6.130 .1631 .1434 6.974 .0234 42.753 36.367 5.215 16
17 6.866 .1456 .1405 7.120 .0205 48.884 38.697 5.435 17
18 7.690 .1300 .1379 7.250 .0179 55.750 40.908 5.643 18
19 8.613 .1161 .1358 7.366 .0158 63.440 42.998 5.838 19
20 9.646 .1037 .1339 7.469 .0139 72.052 44.968 6.020 20
21 10.804 .0926 .1322 7.562 .0122 81.699 46.819 6.191 21
22 12.100 .0826 .1308 7.645 .0108 92.503 48.554 6.351 22
23 13.552 .0738 .1296 7.718 .0096 104.603 50.178 6.501 23
24 15.179 .0659 .1285 7.784 .0085 118.155 51.693 6.641 24
25 17.000 .0588 .1275 7.843 .0075 133.334 53.105 6.771 25
26 19.040 .0525 .1267 7.896 .00665 150.3 54.418 6.892 26
27 21.325 .0469 .1259 7.943 .00590 169.4 55.637 7.005 27
28 23.884 .0419 .1252 7.984 .00524 190.7 56.767 7.110 28
29 26.750 .0374 .1247 8.022 .00466 214.6 57.814 7.207 29
30 29.960 .0334 .1241 8.055 .00414 241.3 58.782 7.297 30
31 33.555 .0298 .1237 8.085 .00369 271.3 59.676 7.381 31
32 37.582 .0266 .1233 8.112 .00328 304.8 60.501 7.459 32
33 42.092 .0238 .1229 8.135 .00292 342.4 61.261 7.530 33
34 47.143 .0212 .1226 8.157 .00260 384.5 61.961 7.596 34
35 52.800 .0189 .1223 8.176 .00232 431.7 62.605 7.658 35
40 93.051 .0107 .1213 8.244 .00130 767.1 65.116 7.899 40
45 164.0 .00610 .1207 8.283 .00074 1358 66.734 8.057 45
50 289.0 .00346 .1204 8.304 .00042 2400 67.762 8.160 50
55 509.3 .00196 .1202 8.317 .00024 4236 68.408 8.225 55
60 897.6 .00111 .1201 8.324 .00013 7472 68.810 8.266 60
65 1582 .00063 .1201 8.328 .000076 13174 69.058 8.292 65
70 2788 .00036 .1200 8.330 .000043 23223 69.210 8.308 70
75 4913 .00020 .1200 8.332 .000024 40934 69.303 8.318 75
80 8658 .00012 .1200 8.332 .000014 72146 69.359 8.324 80
85 15259 .000066 .1200 8.333 .0000079 127152 69.393 8.328 85
90 26892 .000037 .1200 8.333 .0000045 224091 69.414 8.330 90
95 47393 .000021 .1200 8.333 .0000025 394931 69.426 8.331 95
100 83522 .000012 .1200 8.333 .0000014 696011 69.434 8.332 100
∞ ∞ 0 .12 8.333 0 ∞ 69.444 8.333 ∞
esch_app_b.qxd 2/12/03 6:03 PM Page 569

END-OF-PERIOD COMPOUND INTEREST TABLES 569

14% End-of-Period Compound Interest Factors 14%

Single Payment Uniform Payment Series Arithmetic Gradient

Compound Present Capital Present Sinking Compound Present Uniform

Amount Worth Recovery Worth Fund Amount Worth Payment
Factor Factor Factor Factor Factor Factor Factor Factor
N F/P P/F A/P P/A A/F F/A P/G A/G N

1 1.140 .8772 1.1400 .877 1.0000 1.000 0 0 1

2 1.300 .7695 .6073 1.647 .4673 2.140 .769 .467 2
3 1.482 .6750 .4307 2.322 .2907 3.440 2.119 .913 3
4 1.689 .5921 .3432 2.914 .2032 4.921 3.896 1.337 4
5 1.925 .5194 .2913 3.433 .1513 6.610 5.973 1.740 5
6 2.195 .4556 .2572 3.889 .1172 8.536 8.251 2.122 6
7 2.502 .3996 .2332 4.288 .0932 10.730 10.649 2.483 7
8 2.853 .3506 .2156 4.639 .0756 13.233 13.103 2.825 8
9 3.252 .3075 .2022 4.946 .0622 16.085 15.563 3.146 9
10 3.707 .2697 .1917 5.216 .0517 19.337 17.991 3.449 10
11 4.226 .2366 .1834 5.453 .0434 23.045 20.357 3.733 11
12 4.818 .2076 .1767 5.660 .0367 27.271 22.640 4.000 12
13 5.492 .1821 .1712 5.842 .0312 32.089 24.825 4.249 13
14 6.261 .1597 .1666 6.002 .0266 37.581 26.901 4.482 14
15 7.138 .1401 .1628 6.142 .0228 43.842 28.862 4.699 15
16 8.137 .1229 .1596 6.265 .0196 50.980 30.706 4.901 16
17 9.276 .1078 .1569 6.373 .0169 59.118 32.430 5.089 17
18 10.575 .0946 .1546 6.467 .0146 68.394 34.038 5.263 18
19 12.056 .0829 .1527 6.550 .0127 78.969 35.531 5.424 19
20 13.743 .0728 .1510 6.623 .0110 91.025 36.914 5.573 20
21 15.668 .0638 .1495 6.687 .00954 104.8 38.190 5.711 21
22 17.861 .0560 .1483 6.743 .00830 120.4 39.366 5.838 22
23 20.362 .0491 .1472 6.792 .00723 138.3 40.446 5.955 23
24 23.212 .0431 .1463 6.835 .00630 158.7 41.437 6.062 24
25 26.462 .0378 .1455 6.873 .00550 181.9 42.344 6.161 25
26 30.167 .0331 .1448 6.906 .00480 208.3 43.173 6.251 26
27 34.390 .0291 .1442 6.935 .00419 238.5 43.929 6.334 27
28 39.204 .0255 .1437 6.961 .00366 272.9 44.618 6.410 28
29 44.693 .0224 .1432 6.983 .00320 312.1 45.244 6.479 29
30 50.950 .0196 .1428 7.003 .00280 356.8 45.813 6.542 30
31 58.083 .0172 .1425 7.020 .00245 407.7 46.330 6.600 31
32 66.215 .0151 .1421 7.035 .00215 465.8 46.798 6.652 32
33 75.485 .0132 .1419 7.048 .00188 532.0 47.222 6.700 33
34 86.053 .0116 .1416 7.060 .00165 607.5 47.605 6.743 34
35 98.100 .0102 .1414 7.070 .00144 693.6 47.952 6.782 35
40 188.9 .00529 .1407 7.105 .000745 1342 49.238 6.930 40
45 363.7 .00275 .1404 7.123 .000386 2591 49.996 7.019 45
50 700.2 .00143 .1402 7.133 .000200 4995 50.438 7.071 50
55 1348 .00074 .1401 7.138 .000104 9623 50.691 7.102 55
60 2596 .00039 .1401 7.140 .000054 18535 50.836 7.120 60
∞ ∞ 0 .14 7.143 0 ∞ 51.020 7.143 ∞
esch_app_b.qxd 2/12/03 6:03 PM Page 570

570 END-OF-PERIOD COMPOUND INTEREST TABLES

15% End-of-Period Compound Interest Factors 15%

Single Payment Uniform Payment Series Arithmetic Gradient

Compound Present Capital Present Sinking Compound Present Uniform

Amount Worth Recovery Worth Fund Amount Worth Payment
Factor Factor Factor Factor Factor Factor Factor Factor
N F/P P/F A/P P/A A/F F/A P/G A/G N

1 1.150 .8696 1.1500 .870 1.0000 1.000 0 0 1

2 1.323 .7561 .6151 1.626 .4651 2.150 .756 .465 2
3 1.521 .6575 .4380 2.283 .2880 3.473 2.071 .907 3
4 1.749 .5718 .3503 2.855 .2003 4.993 3.786 1.326 4
5 2.011 .4972 .2983 3.352 .1483 6.742 5.775 1.723 5
6 2.313 .4323 .2642 3.784 .1142 8.754 7.937 2.097 6
7 2.660 .3759 .2404 4.160 .0904 11.067 10.192 2.450 7
8 3.059 .3269 .2229 4.487 .0729 13.727 12.481 2.781 8
9 3.518 .2843 .2096 4.772 .0596 16.786 14.755 3.092 9
10 4.046 .2472 .1993 5.019 .0493 20.304 16.979 3.383 10
11 4.652 .2149 .1911 5.234 .0411 24.349 19.129 3.655 11
12 5.350 .1869 .1845 5.421 .0345 29.002 21.185 3.908 12
13 6.153 .1625 .1791 5.583 .0291 34.352 23.135 4.144 13
14 7.076 .1413 .1747 5.724 .0247 40.505 24.972 4.362 14
15 8.137 .1229 .1710 5.847 .0210 47.580 26.693 4.565 15
16 9.358 .1069 .1679 5.954 .0179 55.717 28.296 4.752 16
17 10.761 .0929 .1654 6.047 .0154 65.075 29.783 4.925 17
18 12.375 .0808 .1632 6.128 .0132 75.836 31.156 5.084 18
19 14.232 .0703 .1613 6.198 .0113 88.212 32.421 5.231 19
20 16.367 .0611 .1598 6.259 .00976 102.4 33.582 5.365 20
21 18.822 .0531 .1584 6.312 .00842 118.8 34.645 5.488 21
22 21.645 .0462 .1573 6.359 .00727 137.6 35.615 5.601 22
23 24.891 .0402 .1563 6.399 .00628 159.3 36.499 5.704 23
24 28.625 .0349 .1554 6.434 .00543 184.2 37.302 5.798 24
25 32.919 .0304 .1547 6.464 .00470 212.8 38.031 5.883 25
26 37.857 .0264 .1541 6.491 .00407 245.7 38.692 5.961 26
27 43.535 .0230 .1535 6.514 .00353 283.6 39.289 6.032 27
28 50.066 .0200 .1531 6.534 .00306 327.1 39.828 6.096 28
29 57.575 .0174 .1527 6.551 .00265 377.2 40.315 6.154 29
30 66.212 .0151 .1523 6.566 .00230 434.7 40.753 6.207 30
31 76.144 .0131 .1520 6.579 .00200 501.0 41.147 6.254 31
32 87.565 .0114 .1517 6.591 .00173 577.1 41.501 6.297 32
33 100.7 .00993 .1515 6.600 .00150 664.7 41.818 6.336 33
34 115.8 .00864 .1513 6.609 .00131 765.4 42.103 6.371 34
35 133.2 .00751 .1511 6.617 .00113 881.2 42.359 6.402 35
40 267.9 .00373 .1506 6.642 .000562 1779 43.283 6.517 40
45 538.8 .00186 .1503 6.654 .000279 3585 43.805 6.583 45
50 1084 .00092 .1501 6.661 .000139 7218 44.096 6.620 50
55 2180 .00046 .1501 6.664 .000069 14524 44.256 6.641 55
60 4384 .00023 .1500 6.665 .000034 29220 44.343 6.653 60
∞ ∞ 0 .15 6.667 0 ∞ 44.444 6.667 ∞
esch_app_b.qxd 2/12/03 6:03 PM Page 571

END-OF-PERIOD COMPOUND INTEREST TABLES 571

16% End-of-Period Compound Interest Factors 16%

Single Payment Uniform Payment Series Arithmetic Gradient

Compound Present Capital Present Sinking Compound Present Uniform

Amount Worth Recovery Worth Fund Amount Worth Payment
Factor Factor Factor Factor Factor Factor Factor Factor
N F/P P/F A/P P/A A/F F/A P/G A/G N

1 1.160 .8621 1.1600 .862 1.0000 1.000 0 0 1

2 1.346 .7432 .6230 1.605 .4630 2.160 .743 .463 2
3 1.561 .6407 .4453 2.246 .2853 3.506 2.024 .901 3
4 1.811 .5523 .3574 2.798 .1974 5.066 3.681 1.316 4
5 2.100 .4761 .3054 3.274 .1454 6.877 5.586 1.706 5
6 2.436 .4104 .2714 3.685 .1114 8.977 7.638 2.073 6
7 2.826 .3538 .2476 4.039 .0876 11.414 9.761 2.417 7
8 3.278 .3050 .2302 4.344 .0702 14.240 11.896 2.739 8
9 3.803 .2630 .2171 4.607 .0571 17.519 14.000 3.039 9
10 4.411 .2267 .2069 4.833 .0469 21.321 16.040 3.319 10
11 5.117 .1954 .1989 5.029 .0389 25.733 17.994 3.578 11
12 5.936 .1685 .1924 5.197 .0324 30.850 19.847 3.819 12
13 6.886 .1452 .1872 5.342 .0272 36.786 21.590 4.041 13
14 7.988 .1252 .1829 5.468 .0229 43.672 23.217 4.246 14
15 9.266 .1079 .1794 5.575 .0194 51.660 24.728 4.435 15
16 10.748 .0930 .1764 5.668 .0164 60.925 26.124 4.609 16
17 12.468 .0802 .1740 5.749 .0140 71.673 27.407 4.768 17
18 14.463 .0691 .1719 5.818 .0119 84.141 28.583 4.913 18
19 16.777 .0596 .1701 5.877 .0101 98.603 29.656 5.046 19
20 19.461 .0514 .1687 5.929 .00867 115.4 30.632 5.167 20
21 22.574 .0443 .1674 5.973 .00742 134.8 31.518 5.277 21
22 26.186 .0382 .1664 6.011 .00635 157.4 32.320 5.377 22
23 30.376 .0329 .1654 6.044 .00545 183.6 33.044 5.467 23
24 35.236 .0284 .1647 6.073 .00467 214.0 33.697 5.549 24
25 40.874 .0245 .1640 6.097 .00401 249.2 34.284 5.623 25
26 47.414 .0211 .1634 6.118 .00345 290.1 34.811 5.690 26
27 55.000 .0182 .1630 6.136 .00296 337.5 35.284 5.750 27
28 63.800 .0157 .1625 6.152 .00255 392.5 35.707 5.804 28
29 74.009 .0135 .1622 6.166 .00219 456.3 36.086 5.853 29
30 85.850 .0116 .1619 6.177 .00189 530.3 36.423 5.896 30
31 99.586 .0100 .1616 6.187 .00162 616.2 36.725 5.936 31
32 115.5 .00866 .1614 6.196 .00140 715.7 36.993 5.971 32
33 134.0 .00746 .1612 6.203 .00120 831.3 37.232 6.002 33
34 155.4 .00643 .1610 6.210 .00104 965.3 37.444 6.030 34
35 180.3 .00555 .1609 6.215 .000892 1121 37.633 6.055 35
40 378.7 .00264 .1604 6.233 .000424 2361 38.299 6.144 40
45 795.4 .00126 .1602 6.242 .000201 4965 38.660 6.193 45
50 1671 .00060 .1601 6.246 .000096 10436 38.852 6.220 50
55 3509 .00028 .1600 6.248 .000046 21925 38.953 6.234 55
60 7370 .00014 .1600 6.249 .000022 46058 39.006 6.242 60
∞ ∞ 0 .16 6.250 0 ∞ 39.063 6.250 ∞