Annual Value of One Present Dollar (Annual Payment) PV to AV Annually

Nominal Annual Rate of Interest (%)

Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 1.0500 1.0550 1.0600 1.0650 1.0700 1.0750 1.0800 1.0850 1.0900 1.0950 1.1000 1.1100 1.1200 1.1500
2 0.5378 0.5416 0.5454 0.5493 0.5531 0.5569 0.5608 0.5646 0.5685 0.5723 0.5762 0.5839 0.5917 0.6151
3 0.3672 0.3707 0.3741 0.3776 0.3811 0.3845 0.3880 0.3915 0.3951 0.3986 0.4021 0.4092 0.4163 0.4380
4 0.2820 0.2853 0.2886 0.2919 0.2952 0.2986 0.3019 0.3053 0.3087 0.3121 0.3155 0.3223 0.3292 0.3503
5 0.2310 0.2342 0.2374 0.2406 0.2439 0.2472 0.2505 0.2538 0.2571 0.2604 0.2638 0.2706 0.2774 0.2983
6 0.1970 0.2002 0.2034 0.2066 0.2098 0.2130 0.2163 0.2196 0.2229 0.2263 0.2296 0.2364 0.2432 0.2642
7 0.1728 0.1760 0.1791 0.1823 0.1856 0.1888 0.1921 0.1954 0.1987 0.2020 0.2054 0.2122 0.2191 0.2404
8 0.1547 0.1579 0.1610 0.1642 0.1675 0.1707 0.1740 0.1773 0.1807 0.1840 0.1874 0.1943 0.2013 0.2229
9 0.1407 0.1438 0.1470 0.1502 0.1535 0.1568 0.1601 0.1634 0.1668 0.1702 0.1736 0.1806 0.1877 0.2096
10 0.1295 0.1327 0.1359 0.1391 0.1424 0.1457 0.1490 0.1524 0.1558 0.1593 0.1627 0.1698 0.1770 0.1993
15 0.0963 0.0996 0.1030 0.1064 0.1098 0.1133 0.1168 0.1204 0.1241 0.1277 0.1315 0.1391 0.1468 0.1710
20 0.0802 0.0837 0.0872 0.0908 0.0944 0.0981 0.1019 0.1057 0.1095 0.1135 0.1175 0.1256 0.1339 0.1598
25 0.0710 0.0745 0.0782 0.0820 0.0858 0.0897 0.0937 0.0977 0.1018 0.1060 0.1102 0.1187 0.1275 0.1547
30 0.0651 0.0688 0.0726 0.0766 0.0806 0.0847 0.0888 0.0931 0.0973 0.1017 0.1061 0.1150 0.1241 0.1523
35 0.0611 0.0650 0.0690 0.0731 0.0772 0.0815 0.0858 0.0902 0.0946 0.0991 0.1037 0.1129 0.1223 0.1511
40 0.0583 0.0623 0.0665 0.0707 0.0750 0.0794 0.0839 0.0884 0.0930 0.0976 0.1023 0.1117 0.1213 0.1506
45 0.0563 0.0604 0.0647 0.0691 0.0735 0.0780 0.0826 0.0872 0.0919 0.0966 0.1014 0.1110 0.1207 0.1503
50 0.0548 0.0591 0.0634 0.0679 0.0725 0.0771 0.0817 0.0865 0.0912 0.0960 0.1009 0.1106 0.1204 0.1501
Used to convert from PV to AV on an annual basis.

Future Value of One Present Dollar (Annual) PV to FV Annual

Nominal Annual Rate of Interest (%)
Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 1.0500 1.0550 1.0600 1.0650 1.0700 1.0750 1.0800 1.0850 1.0900 1.0950 1.1000 1.1100 1.1200 1.1500
2 1.1025 1.1130 1.1236 1.1342 1.1449 1.1556 1.1664 1.1772 1.1881 1.1990 1.2100 1.2321 1.2544 1.3225
3 1.1576 1.1742 1.1910 1.2079 1.2250 1.2423 1.2597 1.2773 1.2950 1.3129 1.3310 1.3676 1.4049 1.5209
4 1.2155 1.2388 1.2625 1.2865 1.3108 1.3355 1.3605 1.3859 1.4116 1.4377 1.4641 1.5181 1.5735 1.7490
5 1.2763 1.3070 1.3382 1.3701 1.4026 1.4356 1.4693 1.5037 1.5386 1.5742 1.6105 1.6851 1.7623 2.0114
6 1.3401 1.3788 1.4185 1.4591 1.5007 1.5433 1.5869 1.6315 1.6771 1.7238 1.7716 1.8704 1.9738 2.3131
7 1.4071 1.4547 1.5036 1.5540 1.6058 1.6590 1.7138 1.7701 1.8280 1.8876 1.9487 2.0762 2.2107 2.6600
8 1.4775 1.5347 1.5938 1.6550 1.7182 1.7835 1.8509 1.9206 1.9926 2.0669 2.1436 2.3045 2.4760 3.0590
9 1.5513 1.6191 1.6895 1.7626 1.8385 1.9172 1.9990 2.0839 2.1719 2.2632 2.3579 2.5580 2.7731 3.5179
10 1.6289 1.7081 1.7908 1.8771 1.9672 2.0610 2.1589 2.2610 2.3674 2.4782 2.5937 2.8394 3.1058 4.0456
15 2.0789 2.2325 2.3966 2.5718 2.7590 2.9589 3.1722 3.3997 3.6425 3.9013 4.1772 4.7846 5.4736 8.1371
20 2.6533 2.9178 3.2071 3.5236 3.8697 4.2479 4.6610 5.1120 5.6044 6.1416 6.7275 8.0623 9.6463 16.3665
25 3.3864 3.8134 4.2919 4.8277 5.4274 6.0983 6.8485 7.6868 8.6231 9.6684 10.8347 13.5855 17.0001 32.9190
30 4.3219 4.9840 5.7435 6.6144 7.6123 8.7550 10.0627 11.5583 13.2677 15.2203 17.4494 22.8923 29.9599 66.2118
35 5.5160 6.5138 7.6861 9.0623 10.6766 12.5689 14.7853 17.3796 20.4140 23.9604 28.1024 38.5749 52.7996 133.1755
40 7.0400 8.5133 10.2857 12.4161 14.9745 18.0442 21.7245 26.1330 31.4094 37.7194 45.2593 65.0009 93.0510 267.8635
45 8.9850 11.1266 13.7646 17.0111 21.0025 25.9048 31.9204 39.2951 48.3273 59.3793 72.8905 109.5302 163.9876 538.7693
50 11.4674 14.5420 18.4202 23.3067 29.4570 37.1897 46.9016 59.0863 74.3575 93.4773 117.3909 184.5648 289.0022 1083.6574
Used to convert from PV to FV on an annual basis.
Present Value of One Dollar per Year AV to PV Annually
Nominal Annual Rate of Interest (%)
Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 0.9524 0.9479 0.9434 0.9390 0.9346 0.9302 0.9259 0.9217 0.9174 0.9132 0.9091 0.9009 0.8929 0.8696
2 1.8594 1.8463 1.8334 1.8206 1.8080 1.7956 1.7833 1.7711 1.7591 1.7473 1.7355 1.7125 1.6901 1.6257
3 2.7232 2.6979 2.6730 2.6485 2.6243 2.6005 2.5771 2.5540 2.5313 2.5089 2.4869 2.4437 2.4018 2.2832
4 3.5460 3.5052 3.4651 3.4258 3.3872 3.3493 3.3121 3.2756 3.2397 3.2045 3.1699 3.1024 3.0373 2.8550
5 4.3295 4.2703 4.2124 4.1557 4.1002 4.0459 3.9927 3.9406 3.8897 3.8397 3.7908 3.6959 3.6048 3.3522
6 5.0757 4.9955 4.9173 4.8410 4.7665 4.6938 4.6229 4.5536 4.4859 4.4198 4.3553 4.2305 4.1114 3.7845
7 5.7864 5.6830 5.5824 5.4845 5.3893 5.2966 5.2064 5.1185 5.0330 4.9496 4.8684 4.7122 4.5638 4.1604
8 6.4632 6.3346 6.2098 6.0888 5.9713 5.8573 5.7466 5.6392 5.5348 5.4334 5.3349 5.1461 4.9676 4.4873
9 7.1078 6.9522 6.8017 6.6561 6.5152 6.3789 6.2469 6.1191 5.9952 5.8753 5.7590 5.5370 5.3282 4.7716
10 7.7217 7.5376 7.3601 7.1888 7.0236 6.8641 6.7101 6.5613 6.4177 6.2788 6.1446 5.8892 5.6502 5.0188
15 10.3797 10.0376 9.7122 9.4027 9.1079 8.8271 8.5595 8.3042 8.0607 7.8282 7.6061 7.1909 6.8109 5.8474
20 12.4622 11.9504 11.4699 11.0185 10.5940 10.1945 9.8181 9.4633 9.1285 8.8124 8.5136 7.9633 7.4694 6.2593
25 14.0939 13.4139 12.7834 12.1979 11.6536 11.1469 10.6748 10.2342 9.8226 9.4376 9.0770 8.4217 7.8431 6.4641
30 15.3725 14.5337 13.7648 13.0587 12.4090 11.8104 11.2578 10.7468 10.2737 9.8347 9.4269 8.6938 8.0552 6.5660
35 16.3742 15.3906 14.4982 13.6870 12.9477 12.2725 11.6546 11.0878 10.5668 10.0870 9.6442 8.8552 8.1755 6.6166
40 17.1591 16.0461 15.0463 14.1455 13.3317 12.5944 11.9246 11.3145 10.7574 10.2472 9.7791 8.9511 8.2438 6.6418
45 17.7741 16.5477 15.4558 14.4802 13.6055 12.8186 12.1084 11.4653 10.8812 10.3490 9.8628 9.0079 8.2825 6.6543
50 18.2559 16.9315 15.7619 14.7245 13.8007 12.9748 12.2335 11.5656 10.9617 10.4137 9.9148 9.0417 8.3045 6.6605
Used to convert from AV to PV on an annual basis.

Future Value of One Dollar per Year AV to FV Annually

Nominal Annual Rate of Interest (%)
Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 2.0500 2.0550 2.0600 2.0650 2.0700 2.0750 2.0800 2.0850 2.0900 2.0950 2.1000 2.1100 2.1200 2.1500
3 3.1525 3.1680 3.1836 3.1992 3.2149 3.2306 3.2464 3.2622 3.2781 3.2940 3.3100 3.3421 3.3744 3.4725
4 4.3101 4.3423 4.3746 4.4072 4.4399 4.4729 4.5061 4.5395 4.5731 4.6070 4.6410 4.7097 4.7793 4.9934
5 5.5256 5.5811 5.6371 5.6936 5.7507 5.8084 5.8666 5.9254 5.9847 6.0446 6.1051 6.2278 6.3528 6.7424
6 6.8019 6.8881 6.9753 7.0637 7.1533 7.2440 7.3359 7.4290 7.5233 7.6189 7.7156 7.9129 8.1152 8.7537
7 8.1420 8.2669 8.3938 8.5229 8.6540 8.7873 8.9228 9.0605 9.2004 9.3426 9.4872 9.7833 10.0890 11.0668
8 9.5491 9.7216 9.8975 10.0769 10.2598 10.4464 10.6366 10.8306 11.0285 11.2302 11.4359 11.8594 12.2997 13.7268
9 11.0266 11.2563 11.4913 11.7319 11.9780 12.2298 12.4876 12.7512 13.0210 13.2971 13.5795 14.1640 14.7757 16.7858
10 12.5779 12.8754 13.1808 13.4944 13.8164 14.1471 14.4866 14.8351 15.1929 15.5603 15.9374 16.7220 17.5487 20.3037
15 21.5786 22.4087 23.2760 24.1822 25.1290 26.1184 27.1521 28.2323 29.3609 30.5402 31.7725 34.4054 37.2797 47.5804
20 33.0660 34.8683 36.7856 38.8253 40.9955 43.3047 45.7620 48.3770 51.1601 54.1222 57.2750 64.2028 72.0524 102.4436
25 47.7271 51.1526 54.8645 58.8877 63.2490 67.9779 73.1059 78.6678 84.7009 91.2459 98.3471 114.4133 133.3339 212.7930
30 66.4388 72.4355 79.0582 86.3749 94.4608 103.3994 113.2832 124.2147 136.3075 149.6875 164.4940 199.0209 241.3327 434.7451
35 90.3203 100.2514 111.4348 124.0347 138.2369 154.2516 172.3168 192.7017 215.7108 241.6885 271.0244 341.5896 431.6635 881.1702
40 120.7998 136.6056 154.7620 175.6319 199.6351 227.2565 259.0565 295.6825 337.8824 386.5200 442.5926 581.8261 767.0914 1779.0903
45 159.7002 184.1192 212.7435 246.3246 285.7493 332.0645 386.5056 450.5304 525.8587 614.5194 718.9048 986.6386 1358.2300 3585.1285
50 209.3480 246.2175 290.3359 343.1797 406.5289 482.5299 573.7702 683.3684 815.0836 973.4448 1163.9085 1668.7712 2400.0182 7217.7163
Used to convert from AV to FV on an annual basis.
Present Value of One Future Dollar (Annual) FV to PV Annual
Nominal Annual Rate of Interest (%)
Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 0.9524 0.9479 0.9434 0.9390 0.9346 0.9302 0.9259 0.9217 0.9174 0.9132 0.9091 0.9009 0.8929 0.8696
2 0.9070 0.8985 0.8900 0.8817 0.8734 0.8653 0.8573 0.8495 0.8417 0.8340 0.8264 0.8116 0.7972 0.7561
3 0.8638 0.8516 0.8396 0.8278 0.8163 0.8050 0.7938 0.7829 0.7722 0.7617 0.7513 0.7312 0.7118 0.6575
4 0.8227 0.8072 0.7921 0.7773 0.7629 0.7488 0.7350 0.7216 0.7084 0.6956 0.6830 0.6587 0.6355 0.5718
5 0.7835 0.7651 0.7473 0.7299 0.7130 0.6966 0.6806 0.6650 0.6499 0.6352 0.6209 0.5935 0.5674 0.4972
6 0.7462 0.7252 0.7050 0.6853 0.6663 0.6480 0.6302 0.6129 0.5963 0.5801 0.5645 0.5346 0.5066 0.4323
7 0.7107 0.6874 0.6651 0.6435 0.6227 0.6028 0.5835 0.5649 0.5470 0.5298 0.5132 0.4817 0.4523 0.3759
8 0.6768 0.6516 0.6274 0.6042 0.5820 0.5607 0.5403 0.5207 0.5019 0.4838 0.4665 0.4339 0.4039 0.3269
9 0.6446 0.6176 0.5919 0.5674 0.5439 0.5216 0.5002 0.4799 0.4604 0.4418 0.4241 0.3909 0.3606 0.2843
10 0.6139 0.5854 0.5584 0.5327 0.5083 0.4852 0.4632 0.4423 0.4224 0.4035 0.3855 0.3522 0.3220 0.2472
15 0.4810 0.4479 0.4173 0.3888 0.3624 0.3380 0.3152 0.2941 0.2745 0.2563 0.2394 0.2090 0.1827 0.1229
20 0.3769 0.3427 0.3118 0.2838 0.2584 0.2354 0.2145 0.1956 0.1784 0.1628 0.1486 0.1240 0.1037 0.0611
25 0.2953 0.2622 0.2330 0.2071 0.1842 0.1640 0.1460 0.1301 0.1160 0.1034 0.0923 0.0736 0.0588 0.0304
30 0.2314 0.2006 0.1741 0.1512 0.1314 0.1142 0.0994 0.0865 0.0754 0.0657 0.0573 0.0437 0.0334 0.0151
35 0.1813 0.1535 0.1301 0.1103 0.0937 0.0796 0.0676 0.0575 0.0490 0.0417 0.0356 0.0259 0.0189 0.0075
40 0.1420 0.1175 0.0972 0.0805 0.0668 0.0554 0.0460 0.0383 0.0318 0.0265 0.0221 0.0154 0.0107 0.0037
45 0.1113 0.0899 0.0727 0.0588 0.0476 0.0386 0.0313 0.0254 0.0207 0.0168 0.0137 0.0091 0.0061 0.0019
50 0.0872 0.0688 0.0543 0.0429 0.0339 0.0269 0.0213 0.0169 0.0134 0.0107 0.0085 0.0054 0.0035 0.0009
Used to convert from FV to PV on an annual basis.

Annual Value of One Future Dollar FV to AV Annually

Nominal Annual Rate of Interest (%)
Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 0.4878 0.4866 0.4854 0.4843 0.4831 0.4819 0.4808 0.4796 0.4785 0.4773 0.4762 0.4739 0.4717 0.4651
3 0.3172 0.3157 0.3141 0.3126 0.3111 0.3095 0.3080 0.3065 0.3051 0.3036 0.3021 0.2992 0.2963 0.2880
4 0.2320 0.2303 0.2286 0.2269 0.2252 0.2236 0.2219 0.2203 0.2187 0.2171 0.2155 0.2123 0.2092 0.2003
5 0.1810 0.1792 0.1774 0.1756 0.1739 0.1722 0.1705 0.1688 0.1671 0.1654 0.1638 0.1606 0.1574 0.1483
6 0.1470 0.1452 0.1434 0.1416 0.1398 0.1380 0.1363 0.1346 0.1329 0.1313 0.1296 0.1264 0.1232 0.1142
7 0.1228 0.1210 0.1191 0.1173 0.1156 0.1138 0.1121 0.1104 0.1087 0.1070 0.1054 0.1022 0.0991 0.0904
8 0.1047 0.1029 0.1010 0.0992 0.0975 0.0957 0.0940 0.0923 0.0907 0.0890 0.0874 0.0843 0.0813 0.0729
9 0.0907 0.0888 0.0870 0.0852 0.0835 0.0818 0.0801 0.0784 0.0768 0.0752 0.0736 0.0706 0.0677 0.0596
10 0.0795 0.0777 0.0759 0.0741 0.0724 0.0707 0.0690 0.0674 0.0658 0.0643 0.0627 0.0598 0.0570 0.0493
15 0.0463 0.0446 0.0430 0.0414 0.0398 0.0383 0.0368 0.0354 0.0341 0.0327 0.0315 0.0291 0.0268 0.0210
20 0.0302 0.0287 0.0272 0.0258 0.0244 0.0231 0.0219 0.0207 0.0195 0.0185 0.0175 0.0156 0.0139 0.0098
25 0.0210 0.0195 0.0182 0.0170 0.0158 0.0147 0.0137 0.0127 0.0118 0.0110 0.0102 0.0087 0.0075 0.0047
30 0.0151 0.0138 0.0126 0.0116 0.0106 0.0097 0.0088 0.0081 0.0073 0.0067 0.0061 0.0050 0.0041 0.0023
35 0.0111 0.0100 0.0090 0.0081 0.0072 0.0065 0.0058 0.0052 0.0046 0.0041 0.0037 0.0029 0.0023 0.0011
40 0.0083 0.0073 0.0065 0.0057 0.0050 0.0044 0.0039 0.0034 0.0030 0.0026 0.0023 0.0017 0.0013 0.0006
45 0.0063 0.0054 0.0047 0.0041 0.0035 0.0030 0.0026 0.0022 0.0019 0.0016 0.0014 0.0010 0.0007 0.0003
50 0.0048 0.0041 0.0034 0.0029 0.0025 0.0021 0.0017 0.0015 0.0012 0.0010 0.0009 0.0006 0.0004 0.0001
Used to convert from FV to AV on an annual basis.
Monthly Payment per Dollar Borrowed PV to PMT Monthly
Nominal Annual Rate of Interest (%)
Months 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 1.00417 1.00458 1.00500 1.00542 1.00583 1.00625 1.00667 1.00708 1.00750 1.00792 1.00833 1.00917 1.01000 1.01250
2 0.50313 0.50344 0.50375 0.50407 0.50438 0.50469 0.50501 0.50532 0.50563 0.50595 0.50626 0.50689 0.50751 0.50939
3 0.33611 0.33639 0.33667 0.33695 0.33723 0.33751 0.33779 0.33807 0.33835 0.33862 0.33890 0.33946 0.34002 0.34170
4 0.25261 0.25287 0.25313 0.25339 0.25366 0.25392 0.25418 0.25444 0.25471 0.25497 0.25523 0.25576 0.25628 0.25786
5 0.20251 0.20276 0.20301 0.20326 0.20351 0.20377 0.20402 0.20427 0.20452 0.20477 0.20503 0.20553 0.20604 0.20756
6 0.16911 0.16935 0.16960 0.16984 0.17009 0.17033 0.17058 0.17082 0.17107 0.17132 0.17156 0.17205 0.17255 0.17403
7 0.14525 0.14549 0.14573 0.14597 0.14621 0.14645 0.14669 0.14693 0.14717 0.14742 0.14766 0.14814 0.14863 0.15009
8 0.12736 0.12759 0.12783 0.12807 0.12830 0.12854 0.12878 0.12902 0.12926 0.12949 0.12973 0.13021 0.13069 0.13213
9 0.11344 0.11367 0.11391 0.11414 0.11438 0.11461 0.11485 0.11508 0.11532 0.11556 0.11579 0.11627 0.11674 0.11817
10 0.10231 0.10254 0.10277 0.10300 0.10324 0.10347 0.10370 0.10394 0.10417 0.10441 0.10464 0.10511 0.10558 0.10700
11 0.09320 0.09343 0.09366 0.09389 0.09412 0.09435 0.09459 0.09482 0.09505 0.09528 0.09552 0.09599 0.09645 0.09787
12 0.08561 0.08584 0.08607 0.08630 0.08653 0.08676 0.08699 0.08722 0.08745 0.08768 0.08792 0.08838 0.08885 0.09026
13 0.07919 0.07941 0.07964 0.07987 0.08010 0.08033 0.08056 0.08079 0.08102 0.08125 0.08148 0.08195 0.08241 0.08382
14 0.07368 0.07391 0.07414 0.07436 0.07459 0.07482 0.07505 0.07528 0.07551 0.07574 0.07597 0.07644 0.07690 0.07831
15 0.06891 0.06914 0.06936 0.06959 0.06982 0.07005 0.07028 0.07051 0.07074 0.07097 0.07120 0.07166 0.07212 0.07353
16 0.06474 0.06496 0.06519 0.06542 0.06564 0.06587 0.06610 0.06633 0.06656 0.06679 0.06702 0.06748 0.06794 0.06935
17 0.06105 0.06128 0.06151 0.06173 0.06196 0.06219 0.06242 0.06264 0.06287 0.06310 0.06333 0.06379 0.06426 0.06566
18 0.05778 0.05801 0.05823 0.05846 0.05868 0.05891 0.05914 0.05937 0.05960 0.05983 0.06006 0.06052 0.06098 0.06238
19 0.05485 0.05508 0.05530 0.05553 0.05576 0.05598 0.05621 0.05644 0.05667 0.05690 0.05713 0.05759 0.05805 0.05946
20 0.05222 0.05244 0.05267 0.05289 0.05312 0.05335 0.05357 0.05380 0.05403 0.05426 0.05449 0.05495 0.05542 0.05682
21 0.04983 0.05006 0.05028 0.05051 0.05073 0.05096 0.05119 0.05142 0.05165 0.05187 0.05210 0.05257 0.05303 0.05444
22 0.04766 0.04789 0.04811 0.04834 0.04857 0.04879 0.04902 0.04925 0.04948 0.04971 0.04994 0.05040 0.05086 0.05227
23 0.04569 0.04591 0.04613 0.04636 0.04659 0.04681 0.04704 0.04727 0.04750 0.04773 0.04796 0.04842 0.04889 0.05030
24 0.04387 0.04410 0.04432 0.04455 0.04477 0.04500 0.04523 0.04546 0.04568 0.04591 0.04614 0.04661 0.04707 0.04849
25 0.04220 0.04243 0.04265 0.04288 0.04310 0.04333 0.04356 0.04379 0.04402 0.04425 0.04448 0.04494 0.04541 0.04682
26 0.04066 0.04089 0.04111 0.04134 0.04156 0.04179 0.04202 0.04225 0.04248 0.04271 0.04294 0.04340 0.04387 0.04529
27 0.03924 0.03946 0.03969 0.03991 0.04014 0.04037 0.04059 0.04082 0.04105 0.04128 0.04151 0.04198 0.04245 0.04387
28 0.03791 0.03814 0.03836 0.03859 0.03881 0.03904 0.03927 0.03950 0.03973 0.03996 0.04019 0.04066 0.04112 0.04255
29 0.03668 0.03690 0.03713 0.03736 0.03758 0.03781 0.03804 0.03827 0.03850 0.03873 0.03896 0.03943 0.03990 0.04132
30 0.03553 0.03575 0.03598 0.03620 0.03643 0.03666 0.03689 0.03712 0.03735 0.03758 0.03781 0.03828 0.03875 0.04018
31 0.03445 0.03468 0.03490 0.03513 0.03536 0.03558 0.03581 0.03604 0.03627 0.03651 0.03674 0.03720 0.03768 0.03911
32 0.03344 0.03367 0.03389 0.03412 0.03435 0.03458 0.03481 0.03504 0.03527 0.03550 0.03573 0.03620 0.03667 0.03811
33 0.03250 0.03272 0.03295 0.03317 0.03340 0.03363 0.03386 0.03409 0.03432 0.03455 0.03479 0.03525 0.03573 0.03717
34 0.03161 0.03183 0.03206 0.03228 0.03251 0.03274 0.03297 0.03320 0.03343 0.03366 0.03390 0.03437 0.03484 0.03628
35 0.03076 0.03099 0.03122 0.03144 0.03167 0.03190 0.03213 0.03236 0.03259 0.03282 0.03306 0.03353 0.03400 0.03545
36 0.02997 0.03020 0.03042 0.03065 0.03088 0.03111 0.03134 0.03157 0.03180 0.03203 0.03227 0.03274 0.03321 0.03467

Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
4 0.02303 0.02326 0.02349 0.02371 0.02395 0.02418 0.02441 0.02465 0.02489 0.02512 0.02536 0.02585 0.02633 0.02783
5 0.01887 0.01910 0.01933 0.01957 0.01980 0.02004 0.02028 0.02052 0.02076 0.02100 0.02125 0.02174 0.02224 0.02379
10 0.01061 0.01085 0.01110 0.01135 0.01161 0.01187 0.01213 0.01240 0.01267 0.01294 0.01322 0.01378 0.01435 0.01613
15 0.00791 0.00817 0.00844 0.00871 0.00899 0.00927 0.00956 0.00985 0.01014 0.01044 0.01075 0.01137 0.01200 0.01400
20 0.00660 0.00688 0.00716 0.00746 0.00775 0.00806 0.00836 0.00868 0.00900 0.00932 0.00965 0.01032 0.01101 0.01317
25 0.00585 0.00614 0.00644 0.00675 0.00707 0.00739 0.00772 0.00805 0.00839 0.00874 0.00909 0.00980 0.01053 0.01281
30 0.00537 0.00568 0.00600 0.00632 0.00665 0.00699 0.00734 0.00769 0.00805 0.00841 0.00878 0.00952 0.01029 0.01264
Used to convert from PV to PMT on a monthly basis.
Future Value of One Present Dollar PV to FV Monthly
Nominal Annual Rate of Interest (%)
Months 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 1.0042 1.0046 1.0050 1.0054 1.0058 1.0063 1.0067 1.0071 1.0075 1.0079 1.0083 1.0092 1.0100 1.0125
2 1.0084 1.0092 1.0100 1.0109 1.0117 1.0125 1.0134 1.0142 1.0151 1.0159 1.0167 1.0184 1.0201 1.0252
3 1.0126 1.0138 1.0151 1.0163 1.0176 1.0189 1.0201 1.0214 1.0227 1.0239 1.0252 1.0278 1.0303 1.0380
4 1.0168 1.0185 1.0202 1.0218 1.0235 1.0252 1.0269 1.0286 1.0303 1.0320 1.0338 1.0372 1.0406 1.0509
5 1.0210 1.0231 1.0253 1.0274 1.0295 1.0316 1.0338 1.0359 1.0381 1.0402 1.0424 1.0467 1.0510 1.0641
6 1.0253 1.0278 1.0304 1.0329 1.0355 1.0381 1.0407 1.0433 1.0459 1.0485 1.0511 1.0563 1.0615 1.0774
7 1.0295 1.0325 1.0355 1.0385 1.0416 1.0446 1.0476 1.0506 1.0537 1.0568 1.0598 1.0660 1.0721 1.0909
8 1.0338 1.0373 1.0407 1.0442 1.0476 1.0511 1.0546 1.0581 1.0616 1.0651 1.0686 1.0757 1.0829 1.1045
9 1.0381 1.0420 1.0459 1.0498 1.0537 1.0577 1.0616 1.0656 1.0696 1.0735 1.0775 1.0856 1.0937 1.1183
10 1.0425 1.0468 1.0511 1.0555 1.0599 1.0643 1.0687 1.0731 1.0776 1.0820 1.0865 1.0955 1.1046 1.1323
11 1.0468 1.0516 1.0564 1.0612 1.0661 1.0709 1.0758 1.0807 1.0857 1.0906 1.0956 1.1056 1.1157 1.1464
12 1.0512 1.0564 1.0617 1.0670 1.0723 1.0776 1.0830 1.0884 1.0938 1.0992 1.1047 1.1157 1.1268 1.1608
13 1.0555 1.0612 1.0670 1.0728 1.0785 1.0844 1.0902 1.0961 1.1020 1.1079 1.1139 1.1259 1.1381 1.1753
14 1.0599 1.0661 1.0723 1.0786 1.0848 1.0911 1.0975 1.1039 1.1103 1.1167 1.1232 1.1363 1.1495 1.1900
15 1.0644 1.0710 1.0777 1.0844 1.0912 1.0980 1.1048 1.1117 1.1186 1.1256 1.1326 1.1467 1.1610 1.2048
16 1.0688 1.0759 1.0831 1.0903 1.0975 1.1048 1.1122 1.1196 1.1270 1.1345 1.1420 1.1572 1.1726 1.2199
17 1.0732 1.0808 1.0885 1.0962 1.1039 1.1117 1.1196 1.1275 1.1354 1.1435 1.1515 1.1678 1.1843 1.2351
18 1.0777 1.0858 1.0939 1.1021 1.1104 1.1187 1.1270 1.1355 1.1440 1.1525 1.1611 1.1785 1.1961 1.2506
19 1.0822 1.0908 1.0994 1.1081 1.1168 1.1257 1.1346 1.1435 1.1525 1.1616 1.1708 1.1893 1.2081 1.2662
20 1.0867 1.0958 1.1049 1.1141 1.1234 1.1327 1.1421 1.1516 1.1612 1.1708 1.1805 1.2002 1.2202 1.2820
21 1.0912 1.1008 1.1104 1.1201 1.1299 1.1398 1.1497 1.1598 1.1699 1.1801 1.1904 1.2112 1.2324 1.2981
22 1.0958 1.1058 1.1160 1.1262 1.1365 1.1469 1.1574 1.1680 1.1787 1.1894 1.2003 1.2223 1.2447 1.3143
23 1.1004 1.1109 1.1216 1.1323 1.1431 1.1541 1.1651 1.1763 1.1875 1.1989 1.2103 1.2335 1.2572 1.3307
24 1.1049 1.1160 1.1272 1.1384 1.1498 1.1613 1.1729 1.1846 1.1964 1.2083 1.2204 1.2448 1.2697 1.3474
25 1.1095 1.1211 1.1328 1.1446 1.1565 1.1686 1.1807 1.1930 1.2054 1.2179 1.2306 1.2562 1.2824 1.3642
26 1.1142 1.1263 1.1385 1.1508 1.1633 1.1759 1.1886 1.2014 1.2144 1.2276 1.2408 1.2678 1.2953 1.3812
27 1.1188 1.1314 1.1442 1.1570 1.1700 1.1832 1.1965 1.2099 1.2235 1.2373 1.2512 1.2794 1.3082 1.3985
28 1.1235 1.1366 1.1499 1.1633 1.1769 1.1906 1.2045 1.2185 1.2327 1.2471 1.2616 1.2911 1.3213 1.4160
29 1.1282 1.1418 1.1556 1.1696 1.1837 1.1980 1.2125 1.2271 1.2420 1.2569 1.2721 1.3029 1.3345 1.4337
30 1.1329 1.1470 1.1614 1.1759 1.1906 1.2055 1.2206 1.2358 1.2513 1.2669 1.2827 1.3149 1.3478 1.4516
31 1.1376 1.1523 1.1672 1.1823 1.1976 1.2131 1.2287 1.2446 1.2607 1.2769 1.2934 1.3269 1.3613 1.4698
32 1.1423 1.1576 1.1730 1.1887 1.2046 1.2206 1.2369 1.2534 1.2701 1.2870 1.3042 1.3391 1.3749 1.4881
33 1.1471 1.1629 1.1789 1.1951 1.2116 1.2283 1.2452 1.2623 1.2796 1.2972 1.3150 1.3514 1.3887 1.5067
34 1.1519 1.1682 1.1848 1.2016 1.2187 1.2359 1.2535 1.2712 1.2892 1.3075 1.3260 1.3638 1.4026 1.5256
35 1.1567 1.1736 1.1907 1.2081 1.2258 1.2437 1.2618 1.2802 1.2989 1.3178 1.3370 1.3763 1.4166 1.5446
36 1.1615 1.1789 1.1967 1.2147 1.2329 1.2514 1.2702 1.2893 1.3086 1.3283 1.3482 1.3889 1.4308 1.5639

Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
4 1.2209 1.2455 1.2705 1.2960 1.3221 1.3486 1.3757 1.4033 1.4314 1.4601 1.4894 1.5496 1.6122 1.8154
5 1.2834 1.3157 1.3489 1.3828 1.4176 1.4533 1.4898 1.5273 1.5657 1.6050 1.6453 1.7289 1.8167 2.1072
10 1.6470 1.7311 1.8194 1.9122 2.0097 2.1121 2.2196 2.3326 2.4514 2.5761 2.7070 2.9891 3.3004 4.4402
15 2.1137 2.2776 2.4541 2.6442 2.8489 3.0695 3.3069 3.5627 3.8380 4.1346 4.4539 5.1680 5.9958 9.3563
20 2.7126 2.9966 3.3102 3.6564 4.0387 4.4608 4.9268 5.4412 6.0092 6.6361 7.3281 8.9350 10.8926 19.7155
25 3.4813 3.9427 4.4650 5.0562 5.7254 6.4829 7.3402 8.3104 9.4084 10.6509 12.0569 15.4479 19.7885 41.5441
30 4.4677 5.1874 6.0226 6.9918 8.1165 9.4215 10.9357 12.6925 14.7306 17.0949 19.8374 26.7081 35.9496 87.5410
Used to convert from PV to FV on a monthly basis.
Present Value of One Dollar Per Month PMT to PV Monthly
Nominal Annual Rate of Interest (%)
Months 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 0.9959 0.9954 0.9950 0.9946 0.9942 0.9938 0.9934 0.9930 0.9926 0.9921 0.9917 0.9909 0.9901 0.9877
2 1.9876 1.9863 1.9851 1.9839 1.9826 1.9814 1.9802 1.9789 1.9777 1.9765 1.9753 1.9728 1.9704 1.9631
3 2.9752 2.9727 2.9702 2.9678 2.9653 2.9629 2.9604 2.9580 2.9556 2.9531 2.9507 2.9458 2.9410 2.9265
4 3.9587 3.9546 3.9505 3.9464 3.9423 3.9383 3.9342 3.9302 3.9261 3.9221 3.9180 3.9100 3.9020 3.8781
5 4.9381 4.9320 4.9259 4.9198 4.9137 4.9076 4.9015 4.8955 4.8894 4.8834 4.8774 4.8654 4.8534 4.8178
6 5.9135 5.9049 5.8964 5.8879 5.8794 5.8709 5.8625 5.8540 5.8456 5.8372 5.8288 5.8121 5.7955 5.7460
7 6.8848 6.8734 6.8621 6.8508 6.8395 6.8282 6.8170 6.8058 6.7946 6.7835 6.7724 6.7502 6.7282 6.6627
8 7.8521 7.8375 7.8230 7.8085 7.7940 7.7796 7.7652 7.7509 7.7366 7.7224 7.7081 7.6798 7.6517 7.5681
9 8.8153 8.7972 8.7791 8.7610 8.7430 8.7251 8.7072 8.6894 8.6716 8.6539 8.6362 8.6010 8.5660 8.4623
10 9.7746 9.7525 9.7304 9.7084 9.6865 9.6647 9.6429 9.6212 9.5996 9.5780 9.5565 9.5138 9.4713 9.3455
11 10.7299 10.7034 10.6770 10.6507 10.6245 10.5984 10.5724 10.5465 10.5207 10.4949 10.4693 10.4183 10.3676 10.2178
12 11.6812 11.6500 11.6189 11.5880 11.5571 11.5264 11.4958 11.4653 11.4349 11.4047 11.3745 11.3146 11.2551 11.0793
13 12.6286 12.5923 12.5562 12.5201 12.4843 12.4486 12.4130 12.3776 12.3423 12.3072 12.2722 12.2027 12.1337 11.9302
14 13.5721 13.5303 13.4887 13.4473 13.4061 13.3651 13.3242 13.2835 13.2430 13.2027 13.1626 13.0828 13.0037 12.7706
15 14.5116 14.4640 14.4166 14.3695 14.3225 14.2758 14.2293 14.1831 14.1370 14.0911 14.0455 13.9549 13.8651 13.6005
16 15.4472 15.3934 15.3399 15.2867 15.2337 15.1810 15.1285 15.0763 15.0243 14.9726 14.9212 14.8190 14.7179 14.4203
17 16.3790 16.3186 16.2586 16.1989 16.1395 16.0804 16.0217 15.9632 15.9050 15.8472 15.7896 15.6753 15.5623 15.2299
18 17.3069 17.2396 17.1728 17.1063 17.0401 16.9744 16.9089 16.8439 16.7792 16.7148 16.6508 16.5239 16.3983 16.0295
19 18.2309 18.1564 18.0824 18.0087 17.9355 17.8627 17.7903 17.7184 17.6468 17.5757 17.5050 17.3647 17.2260 16.8193
20 19.1511 19.0690 18.9874 18.9063 18.8257 18.7456 18.6659 18.5867 18.5080 18.4298 18.3520 18.1979 18.0456 17.5993
21 20.0675 19.9775 19.8880 19.7991 19.7107 19.6229 19.5357 19.4490 19.3628 19.2772 19.1921 19.0235 18.8570 18.3697
22 20.9801 20.8817 20.7841 20.6870 20.5906 20.4948 20.3997 20.3051 20.2112 20.1179 20.0252 19.8416 19.6604 19.1306
23 21.8889 21.7819 21.6757 21.5702 21.4654 21.3613 21.2579 21.1553 21.0533 20.9520 20.8514 20.6523 20.4558 19.8820
24 22.7939 22.6780 22.5629 22.4486 22.3351 22.2224 22.1105 21.9995 21.8891 21.7796 21.6709 21.4556 21.2434 20.6242
25 23.6952 23.5699 23.4456 23.3222 23.1998 23.0782 22.9575 22.8377 22.7188 22.6007 22.4835 22.2516 22.0232 21.3573
26 24.5927 24.4578 24.3240 24.1912 24.0594 23.9286 23.7988 23.6700 23.5422 23.4153 23.2894 23.0404 22.7952 22.0813
27 25.4865 25.3417 25.1980 25.0555 24.9141 24.7738 24.6346 24.4965 24.3595 24.2236 24.0887 23.8221 23.5596 22.7963
28 26.3766 26.2215 26.0677 25.9151 25.7638 25.6137 25.4648 25.3172 25.1707 25.0254 24.8813 24.5966 24.3164 23.5025
29 27.2630 27.0973 26.9330 26.7701 26.6086 26.4484 26.2896 26.1321 25.9759 25.8210 25.6674 25.3641 25.0658 24.2000
30 28.1457 27.9691 27.7941 27.6205 27.4485 27.2779 27.1088 26.9412 26.7751 26.6104 26.4470 26.1246 25.8077 24.8889
31 29.0248 28.8370 28.6508 28.4663 28.2835 28.1023 27.9227 27.7447 27.5683 27.3935 27.2202 26.8782 26.5423 25.5693
32 29.9002 29.7008 29.5033 29.3076 29.1137 28.9215 28.7312 28.5425 28.3557 28.1705 27.9870 27.6250 27.2696 26.2413
33 30.7720 30.5608 30.3515 30.1443 29.9390 29.7357 29.5343 29.3348 29.1371 28.9414 28.7474 28.3650 27.9897 26.9050
34 31.6402 31.4168 31.1955 30.9765 30.7596 30.5448 30.3320 30.1214 29.9128 29.7062 29.5016 29.0983 28.7027 27.5605
35 32.5047 32.2689 32.0354 31.8042 31.5754 31.3488 31.1246 30.9025 30.6827 30.4650 30.2495 29.8249 29.4086 28.2079
36 33.3657 33.1171 32.8710 32.6275 32.3865 32.1479 31.9118 31.6781 31.4468 31.2179 30.9912 30.5449 30.1075 28.8473

Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
4 43.4230 42.9988 42.5803 42.1675 41.7602 41.3584 40.9619 40.5707 40.1848 39.8039 39.4282 38.6914 37.9740 35.9315
5 52.9907 52.3528 51.7256 51.1087 50.5020 49.9053 49.3184 48.7412 48.1734 47.6148 47.0654 45.9930 44.9550 42.0346
10 94.2814 92.1436 90.0735 88.0685 86.1264 84.2447 82.4215 80.6545 78.9417 77.2812 75.6712 72.5953 69.7005 61.9828
15 126.4552 122.3865 118.5035 114.7964 111.2560 107.8734 104.6406 101.5497 98.5934 95.7648 93.0574 87.9819 83.3217 71.4496
20 151.5253 145.3726 139.5808 134.1250 128.9825 124.1321 119.5543 115.2308 111.1450 107.2810 103.6246 96.8815 90.8194 75.9423
25 171.0600 162.8432 155.2069 148.1027 141.4869 135.3196 129.5645 124.1886 119.1616 114.4562 110.0472 102.0290 94.9466 78.0743
30 186.2816 176.1218 166.7916 158.2108 150.3076 143.0176 136.2835 130.0536 124.2819 118.9267 113.9508 105.0063 97.2183 79.0861
Used to convert from PMT to PV on a monthly basis.
Future Value of One Dollar Per Month PMT to FV Monthly
Nominal Annual Rate of Interest (%)
Months 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 2.0042 2.0046 2.0050 2.0054 2.0058 2.0063 2.0067 2.0071 2.0075 2.0079 2.0083 2.0092 2.0100 2.0125
3 3.0125 3.0138 3.0150 3.0163 3.0175 3.0188 3.0200 3.0213 3.0226 3.0238 3.0251 3.0276 3.0301 3.0377
4 4.0251 4.0276 4.0301 4.0326 4.0351 4.0377 4.0402 4.0427 4.0452 4.0478 4.0503 4.0553 4.0604 4.0756
5 5.0418 5.0460 5.0503 5.0545 5.0587 5.0629 5.0671 5.0713 5.0756 5.0798 5.0840 5.0925 5.1010 5.1266
6 6.0628 6.0692 6.0755 6.0818 6.0882 6.0945 6.1009 6.1073 6.1136 6.1200 6.1264 6.1392 6.1520 6.1907
7 7.0881 7.0970 7.1059 7.1148 7.1237 7.1326 7.1416 7.1505 7.1595 7.1685 7.1775 7.1955 7.2135 7.2680
8 8.1176 8.1295 8.1414 8.1533 8.1653 8.1772 8.1892 8.2012 8.2132 8.2252 8.2373 8.2614 8.2857 8.3589
9 9.1515 9.1668 9.1821 9.1975 9.2129 9.2283 9.2438 9.2593 9.2748 9.2903 9.3059 9.3372 9.3685 9.4634
10 10.1896 10.2088 10.2280 10.2473 10.2666 10.2860 10.3054 10.3248 10.3443 10.3639 10.3835 10.4227 10.4622 10.5817
11 11.2321 11.2556 11.2792 11.3028 11.3265 11.3503 11.3741 11.3980 11.4219 11.4459 11.4700 11.5183 11.5668 11.7139
12 12.2789 12.3072 12.3356 12.3640 12.3926 12.4212 12.4499 12.4787 12.5076 12.5365 12.5656 12.6239 12.6825 12.8604
13 13.3300 13.3636 13.3972 13.4310 13.4649 13.4988 13.5329 13.5671 13.6014 13.6358 13.6703 13.7396 13.8093 14.0211
14 14.3856 14.4248 14.4642 14.5038 14.5434 14.5832 14.6231 14.6632 14.7034 14.7437 14.7842 14.8655 14.9474 15.1964
15 15.4455 15.4909 15.5365 15.5823 15.6283 15.6744 15.7206 15.7671 15.8137 15.8605 15.9074 16.0018 16.0969 16.3863
16 16.5099 16.5619 16.6142 16.6667 16.7194 16.7723 16.8254 16.8788 16.9323 16.9860 17.0400 17.1485 17.2579 17.5912
17 17.5786 17.6378 17.6973 17.7570 17.8170 17.8772 17.9376 17.9983 18.0593 18.1205 18.1820 18.3057 18.4304 18.8111
18 18.6519 18.7187 18.7858 18.8532 18.9209 18.9889 19.0572 19.1258 19.1947 19.2639 19.3335 19.4735 19.6147 20.0462
19 19.7296 19.8045 19.8797 19.9553 20.0313 20.1076 20.1842 20.2613 20.3387 20.4165 20.4946 20.6520 20.8109 21.2968
20 20.8118 20.8953 20.9791 21.0634 21.1481 21.2332 21.3188 21.4048 21.4912 21.5781 21.6654 21.8413 22.0190 22.5630
21 21.8985 21.9910 22.0840 22.1775 22.2715 22.3659 22.4609 22.5564 22.6524 22.7489 22.8459 23.0415 23.2392 23.8450
22 22.9898 23.0918 23.1944 23.2976 23.4014 23.5057 23.6107 23.7162 23.8223 23.9290 24.0363 24.2527 24.4716 25.1431
23 24.0856 24.1977 24.3104 24.4238 24.5379 24.6526 24.7681 24.8842 25.0010 25.1184 25.2366 25.4750 25.7163 26.4574
24 25.1859 25.3086 25.4320 25.5561 25.6810 25.8067 25.9332 26.0604 26.1885 26.3173 26.4469 26.7086 26.9735 27.7881
25 26.2909 26.4246 26.5591 26.6945 26.8308 26.9680 27.1061 27.2450 27.3849 27.5256 27.6673 27.9534 28.2432 29.1354
26 27.4004 27.5457 27.6919 27.8391 27.9874 28.1366 28.2868 28.4380 28.5903 28.7436 28.8979 29.2096 29.5256 30.4996
27 28.5146 28.6719 28.8304 28.9899 29.1506 29.3124 29.4754 29.6395 29.8047 29.9711 30.1387 30.4774 30.8209 31.8809
28 29.6334 29.8033 29.9745 30.1470 30.3207 30.4956 30.6719 30.8494 31.0282 31.2084 31.3898 31.7568 32.1291 33.2794
29 30.7569 30.9399 31.1244 31.3103 31.4975 31.6862 31.8763 32.0679 32.2609 32.4554 32.6514 33.0479 33.4504 34.6954
30 31.8850 32.0817 32.2800 32.4799 32.6813 32.8843 33.0889 33.2951 33.5029 33.7124 33.9235 34.3508 34.7849 36.1291
31 33.0179 33.2288 33.4414 33.6558 33.8719 34.0898 34.3094 34.5309 34.7542 34.9793 35.2062 35.6657 36.1327 37.5807
32 34.1554 34.3811 34.6086 34.8381 35.0695 35.3028 35.5382 35.7755 36.0148 36.2562 36.4996 36.9926 37.4941 39.0504
33 35.2978 35.5387 35.7817 36.0268 36.2741 36.5235 36.7751 37.0289 37.2849 37.5432 37.8038 38.3317 38.8690 40.5386
34 36.4448 36.7015 36.9606 37.2219 37.4857 37.7518 38.0203 38.2912 38.5646 38.8404 39.1188 39.6831 40.2577 42.0453
35 37.5967 37.8698 38.1454 38.4236 38.7043 38.9877 39.2737 39.5624 39.8538 40.1479 40.4448 41.0469 41.6603 43.5709
36 38.7533 39.0433 39.3361 39.6317 39.9301 40.2314 40.5356 40.8427 41.1527 41.4658 41.7818 42.4231 43.0769 45.1155

Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
4 53.0149 53.5529 54.0978 54.6499 55.2092 55.7759 56.3499 56.9315 57.5207 58.1177 58.7225 59.9562 61.2226 65.2284
5 68.0061 68.8808 69.7700 70.6740 71.5929 72.5271 73.4769 74.4424 75.4241 76.4222 77.4371 79.5181 81.6697 88.5745
10 155.2823 159.5076 163.8793 168.4032 173.0848 177.9303 182.9460 188.1384 193.5143 199.0807 204.8450 216.9981 230.0387 275.2171
15 267.2889 278.7456 290.8187 303.5448 316.9623 331.1123 346.0382 361.7864 378.4058 395.9486 414.4703 454.6896 499.5802 668.5068
20 411.0337 435.6274 462.0409 490.4209 520.9267 553.7307 589.0204 626.9990 667.8869 711.9235 759.3688 865.6380 989.2554 1497.2395
25 595.5097 642.0374 692.9940 748.8365 810.0717 877.2609 951.0264 1032.0583 1121.1219 1219.0663 1326.8334 1576.1333 1878.8466 3243.5296
30 832.2586 913.6119 1004.5150 1106.1781 1219.9710 1347.4454 1490.3594 1650.7057 1830.7435 2033.0352 2260.4879 2804.5197 3494.9641 6923.2796
Used to convert from PMT to FV on a monthly basis.
Present Value of One Future Dollar FV to PV Monthly
Nominal Annual Rate of Interest (%)
Months 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 0.9959 0.9954 0.9950 0.9946 0.9942 0.9938 0.9934 0.9930 0.9926 0.9921 0.9917 0.9909 0.9901 0.9877
2 0.9917 0.9909 0.9901 0.9893 0.9884 0.9876 0.9868 0.9860 0.9852 0.9844 0.9835 0.9819 0.9803 0.9755
3 0.9876 0.9864 0.9851 0.9839 0.9827 0.9815 0.9803 0.9790 0.9778 0.9766 0.9754 0.9730 0.9706 0.9634
4 0.9835 0.9819 0.9802 0.9786 0.9770 0.9754 0.9738 0.9722 0.9706 0.9690 0.9673 0.9642 0.9610 0.9515
5 0.9794 0.9774 0.9754 0.9734 0.9713 0.9693 0.9673 0.9653 0.9633 0.9613 0.9594 0.9554 0.9515 0.9398
6 0.9754 0.9729 0.9705 0.9681 0.9657 0.9633 0.9609 0.9585 0.9562 0.9538 0.9514 0.9467 0.9420 0.9282
7 0.9713 0.9685 0.9657 0.9629 0.9601 0.9573 0.9546 0.9518 0.9490 0.9463 0.9436 0.9381 0.9327 0.9167
8 0.9673 0.9641 0.9609 0.9577 0.9545 0.9514 0.9482 0.9451 0.9420 0.9389 0.9358 0.9296 0.9235 0.9054
9 0.9633 0.9597 0.9561 0.9525 0.9490 0.9455 0.9420 0.9385 0.9350 0.9315 0.9280 0.9212 0.9143 0.8942
10 0.9593 0.9553 0.9513 0.9474 0.9435 0.9396 0.9357 0.9318 0.9280 0.9242 0.9204 0.9128 0.9053 0.8832
11 0.9553 0.9509 0.9466 0.9423 0.9380 0.9338 0.9295 0.9253 0.9211 0.9169 0.9128 0.9045 0.8963 0.8723
12 0.9513 0.9466 0.9419 0.9372 0.9326 0.9280 0.9234 0.9188 0.9142 0.9097 0.9052 0.8963 0.8874 0.8615
13 0.9474 0.9423 0.9372 0.9322 0.9272 0.9222 0.9172 0.9123 0.9074 0.9026 0.8977 0.8881 0.8787 0.8509
14 0.9434 0.9380 0.9326 0.9272 0.9218 0.9165 0.9112 0.9059 0.9007 0.8955 0.8903 0.8801 0.8700 0.8404
15 0.9395 0.9337 0.9279 0.9222 0.9165 0.9108 0.9051 0.8995 0.8940 0.8884 0.8830 0.8721 0.8613 0.8300
16 0.9356 0.9294 0.9233 0.9172 0.9111 0.9051 0.8991 0.8932 0.8873 0.8815 0.8757 0.8642 0.8528 0.8197
17 0.9318 0.9252 0.9187 0.9123 0.9059 0.8995 0.8932 0.8869 0.8807 0.8745 0.8684 0.8563 0.8444 0.8096
18 0.9279 0.9210 0.9141 0.9073 0.9006 0.8939 0.8873 0.8807 0.8742 0.8677 0.8612 0.8485 0.8360 0.7996
19 0.9240 0.9168 0.9096 0.9025 0.8954 0.8884 0.8814 0.8745 0.8676 0.8609 0.8541 0.8408 0.8277 0.7898
20 0.9202 0.9126 0.9051 0.8976 0.8902 0.8828 0.8756 0.8683 0.8612 0.8541 0.8471 0.8332 0.8195 0.7800
21 0.9164 0.9084 0.9006 0.8928 0.8850 0.8774 0.8698 0.8622 0.8548 0.8474 0.8401 0.8256 0.8114 0.7704
22 0.9126 0.9043 0.8961 0.8879 0.8799 0.8719 0.8640 0.8562 0.8484 0.8407 0.8331 0.8181 0.8034 0.7609
23 0.9088 0.9002 0.8916 0.8832 0.8748 0.8665 0.8583 0.8502 0.8421 0.8341 0.8262 0.8107 0.7954 0.7515
24 0.9050 0.8961 0.8872 0.8784 0.8697 0.8611 0.8526 0.8442 0.8358 0.8276 0.8194 0.8033 0.7876 0.7422
25 0.9013 0.8920 0.8828 0.8737 0.8647 0.8558 0.8470 0.8382 0.8296 0.8211 0.8126 0.7960 0.7798 0.7330
26 0.8975 0.8879 0.8784 0.8690 0.8597 0.8504 0.8413 0.8323 0.8234 0.8146 0.8059 0.7888 0.7720 0.7240
27 0.8938 0.8839 0.8740 0.8643 0.8547 0.8452 0.8358 0.8265 0.8173 0.8082 0.7993 0.7816 0.7644 0.7150
28 0.8901 0.8798 0.8697 0.8596 0.8497 0.8399 0.8302 0.8207 0.8112 0.8019 0.7927 0.7745 0.7568 0.7062
29 0.8864 0.8758 0.8653 0.8550 0.8448 0.8347 0.8247 0.8149 0.8052 0.7956 0.7861 0.7675 0.7493 0.6975
30 0.8827 0.8718 0.8610 0.8504 0.8399 0.8295 0.8193 0.8092 0.7992 0.7893 0.7796 0.7605 0.7419 0.6889
31 0.8791 0.8678 0.8567 0.8458 0.8350 0.8244 0.8138 0.8035 0.7932 0.7831 0.7732 0.7536 0.7346 0.6804
32 0.8754 0.8639 0.8525 0.8413 0.8302 0.8192 0.8085 0.7978 0.7873 0.7770 0.7668 0.7468 0.7273 0.6720
33 0.8718 0.8599 0.8482 0.8367 0.8254 0.8142 0.8031 0.7922 0.7815 0.7709 0.7604 0.7400 0.7201 0.6637
34 0.8682 0.8560 0.8440 0.8322 0.8206 0.8091 0.7978 0.7866 0.7757 0.7648 0.7542 0.7333 0.7130 0.6555
35 0.8646 0.8521 0.8398 0.8277 0.8158 0.8041 0.7925 0.7811 0.7699 0.7588 0.7479 0.7266 0.7059 0.6474
36 0.8610 0.8482 0.8356 0.8233 0.8111 0.7991 0.7873 0.7756 0.7641 0.7529 0.7417 0.7200 0.6989 0.6394

Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
4 0.8191 0.8029 0.7871 0.7716 0.7564 0.7415 0.7269 0.7126 0.6986 0.6849 0.6714 0.6453 0.6203 0.5509
5 0.7792 0.7600 0.7414 0.7232 0.7054 0.6881 0.6712 0.6547 0.6387 0.6230 0.6078 0.5784 0.5504 0.4746
10 0.6072 0.5777 0.5496 0.5230 0.4976 0.4735 0.4505 0.4287 0.4079 0.3882 0.3694 0.3345 0.3030 0.2252
15 0.4731 0.4391 0.4075 0.3782 0.3510 0.3258 0.3024 0.2807 0.2605 0.2419 0.2245 0.1935 0.1668 0.1069
20 0.3686 0.3337 0.3021 0.2735 0.2476 0.2242 0.2030 0.1838 0.1664 0.1507 0.1365 0.1119 0.0918 0.0507
25 0.2872 0.2536 0.2240 0.1978 0.1747 0.1543 0.1362 0.1203 0.1063 0.0939 0.0829 0.0647 0.0505 0.0241
30 0.2238 0.1928 0.1660 0.1430 0.1232 0.1061 0.0914 0.0788 0.0679 0.0585 0.0504 0.0374 0.0278 0.0114
Used to convert from FV to PV on a monthly basis. Not often used.
Monthly Value of One Future Dollar FV to PMT Monthly
Nominal Annual Rate of Interest (%)
Months 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 0.4990 0.4989 0.4988 0.4986 0.4985 0.4984 0.4983 0.4982 0.4981 0.4980 0.4979 0.4977 0.4975 0.4969
3 0.3319 0.3318 0.3317 0.3315 0.3314 0.3313 0.3311 0.3310 0.3308 0.3307 0.3306 0.3303 0.3300 0.3292
4 0.2484 0.2483 0.2481 0.2480 0.2478 0.2477 0.2475 0.2474 0.2472 0.2471 0.2469 0.2466 0.2463 0.2454
5 0.1983 0.1982 0.1980 0.1978 0.1977 0.1975 0.1974 0.1972 0.1970 0.1969 0.1967 0.1964 0.1960 0.1951
6 0.1649 0.1648 0.1646 0.1644 0.1643 0.1641 0.1639 0.1637 0.1636 0.1634 0.1632 0.1629 0.1625 0.1615
7 0.1411 0.1409 0.1407 0.1406 0.1404 0.1402 0.1400 0.1398 0.1397 0.1395 0.1393 0.1390 0.1386 0.1376
8 0.1232 0.1230 0.1228 0.1226 0.1225 0.1223 0.1221 0.1219 0.1218 0.1216 0.1214 0.1210 0.1207 0.1196
9 0.1093 0.1091 0.1089 0.1087 0.1085 0.1084 0.1082 0.1080 0.1078 0.1076 0.1075 0.1071 0.1067 0.1057
10 0.0981 0.0980 0.0978 0.0976 0.0974 0.0972 0.0970 0.0969 0.0967 0.0965 0.0963 0.0959 0.0956 0.0945
11 0.0890 0.0888 0.0887 0.0885 0.0883 0.0881 0.0879 0.0877 0.0876 0.0874 0.0872 0.0868 0.0865 0.0854
12 0.0814 0.0813 0.0811 0.0809 0.0807 0.0805 0.0803 0.0801 0.0800 0.0798 0.0796 0.0792 0.0788 0.0778
13 0.0750 0.0748 0.0746 0.0745 0.0743 0.0741 0.0739 0.0737 0.0735 0.0733 0.0732 0.0728 0.0724 0.0713
14 0.0695 0.0693 0.0691 0.0689 0.0688 0.0686 0.0684 0.0682 0.0680 0.0678 0.0676 0.0673 0.0669 0.0658
15 0.0647 0.0646 0.0644 0.0642 0.0640 0.0638 0.0636 0.0634 0.0632 0.0630 0.0629 0.0625 0.0621 0.0610
16 0.0606 0.0604 0.0602 0.0600 0.0598 0.0596 0.0594 0.0592 0.0591 0.0589 0.0587 0.0583 0.0579 0.0568
17 0.0569 0.0567 0.0565 0.0563 0.0561 0.0559 0.0557 0.0556 0.0554 0.0552 0.0550 0.0546 0.0543 0.0532
18 0.0536 0.0534 0.0532 0.0530 0.0529 0.0527 0.0525 0.0523 0.0521 0.0519 0.0517 0.0514 0.0510 0.0499
19 0.0507 0.0505 0.0503 0.0501 0.0499 0.0497 0.0495 0.0494 0.0492 0.0490 0.0488 0.0484 0.0481 0.0470
20 0.0480 0.0479 0.0477 0.0475 0.0473 0.0471 0.0469 0.0467 0.0465 0.0463 0.0462 0.0458 0.0454 0.0443
21 0.0457 0.0455 0.0453 0.0451 0.0449 0.0447 0.0445 0.0443 0.0441 0.0440 0.0438 0.0434 0.0430 0.0419
22 0.0435 0.0433 0.0431 0.0429 0.0427 0.0425 0.0424 0.0422 0.0420 0.0418 0.0416 0.0412 0.0409 0.0398
23 0.0415 0.0413 0.0411 0.0409 0.0408 0.0406 0.0404 0.0402 0.0400 0.0398 0.0396 0.0393 0.0389 0.0378
24 0.0397 0.0395 0.0393 0.0391 0.0389 0.0387 0.0386 0.0384 0.0382 0.0380 0.0378 0.0374 0.0371 0.0360
25 0.0380 0.0378 0.0377 0.0375 0.0373 0.0371 0.0369 0.0367 0.0365 0.0363 0.0361 0.0358 0.0354 0.0343
26 0.0365 0.0363 0.0361 0.0359 0.0357 0.0355 0.0354 0.0352 0.0350 0.0348 0.0346 0.0342 0.0339 0.0328
27 0.0351 0.0349 0.0347 0.0345 0.0343 0.0341 0.0339 0.0337 0.0336 0.0334 0.0332 0.0328 0.0324 0.0314
28 0.0337 0.0336 0.0334 0.0332 0.0330 0.0328 0.0326 0.0324 0.0322 0.0320 0.0319 0.0315 0.0311 0.0300
29 0.0325 0.0323 0.0321 0.0319 0.0317 0.0316 0.0314 0.0312 0.0310 0.0308 0.0306 0.0303 0.0299 0.0288
30 0.0314 0.0312 0.0310 0.0308 0.0306 0.0304 0.0302 0.0300 0.0298 0.0297 0.0295 0.0291 0.0287 0.0277
31 0.0303 0.0301 0.0299 0.0297 0.0295 0.0293 0.0291 0.0290 0.0288 0.0286 0.0284 0.0280 0.0277 0.0266
32 0.0293 0.0291 0.0289 0.0287 0.0285 0.0283 0.0281 0.0280 0.0278 0.0276 0.0274 0.0270 0.0267 0.0256
33 0.0283 0.0281 0.0279 0.0278 0.0276 0.0274 0.0272 0.0270 0.0268 0.0266 0.0265 0.0261 0.0257 0.0247
34 0.0274 0.0272 0.0271 0.0269 0.0267 0.0265 0.0263 0.0261 0.0259 0.0257 0.0256 0.0252 0.0248 0.0238
35 0.0266 0.0264 0.0262 0.0260 0.0258 0.0256 0.0255 0.0253 0.0251 0.0249 0.0247 0.0244 0.0240 0.0230
36 0.0258 0.0256 0.0254 0.0252 0.0250 0.0249 0.0247 0.0245 0.0243 0.0241 0.0239 0.0236 0.0232 0.0222

Years 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% 11.0% 12.0% 15.0%
4 0.0189 0.0187 0.0185 0.0183 0.0181 0.0179 0.0177 0.0176 0.0174 0.0172 0.0170 0.0167 0.0163 0.0153
5 0.0147 0.0145 0.0143 0.0141 0.0140 0.0138 0.0136 0.0134 0.0133 0.0131 0.0129 0.0126 0.0122 0.0113
10 0.0064 0.0063 0.0061 0.0059 0.0058 0.0056 0.0055 0.0053 0.0052 0.0050 0.0049 0.0046 0.0043 0.0036
15 0.0037 0.0036 0.0034 0.0033 0.0032 0.0030 0.0029 0.0028 0.0026 0.0025 0.0024 0.0022 0.0020 0.0015
20 0.0024 0.0023 0.0022 0.0020 0.0019 0.0018 0.0017 0.0016 0.0015 0.0014 0.0013 0.0012 0.0010 0.0007
25 0.0017 0.0016 0.0014 0.0013 0.0012 0.0011 0.0011 0.0010 0.0009 0.0008 0.0008 0.0006 0.0005 0.0003
30 0.0012 0.0011 0.0010 0.0009 0.0008 0.0007 0.0007 0.0006 0.0005 0.0005 0.0004 0.0004 0.0003 0.0001
Used to convert from FV to PMT on an monthly basis.