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ear 2.8 % IS 08. period. period. 8. period. period. 8. . 8. . 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 Single Present Value (SPV) Discount Factors for finding the present value (P) of a future amount (F) (P/F,i%,n) P = F [1/(1+i)^n] Years Interest Rate (i) (n) 1%2%3%4%5%6%7%8%9%10%11%12%13%14%15%20%25%30%35%40% 0.99010.98040.97090.96150.95240.94340.93460.92590.91740.9091 0.90090.89290.88500.87720.86960.83330.80000.76920.74070.7143 0.98030.96120.94260.92460.90700.89000.87340.85730.84170.8264 0.81160.79720.78310.76950.75610.69440.64000.59170.54870.5102 0.97060.94230.91510.88900.86380.83960.81630.79380.77220.7513 0.73120.71180.69310.67500.65750.57870.51200.45520.40640.3644 0.96100.92380.88850.85480.82270.79210.76290.73500.70840.6830 0.65870.63550.61330.59210.57180.48230.40960.35010.30110.2603 0.95150.90570.86260.82190.78350.74730.71300.68060.64990.6209 0.59350.56740.54280.51940.49720.40190.32770.26930.22300.1859 0.94200.88800.83750.79030.74620.70500.66630.63020.59630.5645 0.53460.50660.48030.45560.43230.33490.26210.20720.16520.1328 0.93270.87060.81310.75990.71070.66510.62270.58350.54700.5132 0.48170.45230.42510.39960.37590.27910.20970.15940.12240.0949 0.92350.85350.78940.73070.67680.62740.58200.54030.50190.4665 0.43390.40390.37620.35060.32690.23260.16780.12260.09060.0678 0.91430.83680.76640.70260.64460.59190.54390.50020.46040.4241 0.39090.36060.33290.30750.28430.19380.13420.09430.06710.0484 0.90530.82030.74410.67560.61390.55840.50830.46320.42240.3855 0.35220.32200.29460.26970.24720.16150.10740.07250.04970.0346 0.89630.80430.72240.64960.58470.52680.47510.42890.38750.3505 0.31730.28750.26070.23660.21490.13460.08590.05580.03680.0247 0.88740.78850.70140.62460.55680.49700.44400.39710.35550.3186 0.28580.25670.23070.20760.18690.11220.06870.04290.02730.0176 0.87870.77300.68100.60060.53030.46880.41500.36770.32620.2897 0.25750.22920.20420.18210.16250.09350.05500.03300.02020.0126 0.87000.75790.66110.57750.50510.44230.38780.34050.29920.2633 0.23200.20460.18070.15970.14130.07790.04400.02540.01500.0090 0.86130.74300.64190.55530.48100.41730.36240.31520.27450.2394 0.20900.18270.15990.14010.12290.06490.03520.01950.01110.0064 0.85280.72840.62320.53390.45810.39360.33870.29190.25190.2176 0.18830.16310.14150.12290.10690.05410.02810.01500.00820.0046 0.84440.71420.60500.51340.43630.37140.31660.27030.23110.1978 0.16960.14560.12520.10780.09290.04510.02250.01160.00610.0033 0.83600.70020.58740.49360.41550.35030.29590.25020.21200.1799 0.15280.13000.11080.09460.08080.03760.01800.00890.00450.0023 0.82770.68640.57030.47460.39570.33050.27650.23170.19450.1635 0.13770.11610.09810.08290.07030.03130.01440.00680.00330.0017 0.81950.67300.55370.45640.37690.31180.25840.21450.17840.1486 0.12400.10370.08680.07280.06110.02610.01150.00530.00250.0012 0.81140.65980.53750.43880.35890.29420.24150.19870.16370.1351 0.11170.09260.07680.06380.05310.02170.00920.00400.00180.0009 0.80340.64680.52190.42200.34180.27750.22570.18390.15020.1228 0.10070.08260.06800.05600.04620.01810.00740.00310.00140.0006 0.79540.63420.50670.40570.32560.26180.21090.17030.13780.1117 0.09070.07380.06010.04910.04020.01510.00590.00240.00100.0004 0.78760.62170.49190.39010.31010.24700.19710.15770.12640.1015 0.08170.06590.05320.04310.03490.01260.00470.00180.00070.0003 0.77980.60950.47760.37510.29530.23300.18420.14600.11600.0923 0.07360.05880.04710.03780.03040.01050.00380.00140.00060.0002 Uniform Present Value (UPV) Discount Factors for finding the present value (P) of a series of uniformly recurring future amounts (A) P = A [((1+i)^n-1)/(i*(1+i)^n)] Years Interest Rate (i) (n) 1%2%3%4%5%6%7%8%9%10%11%12%13%14%15%20%25%30%35%40% 0.9900.9800.9710.9620.9520.9430.9350.9260.9170.909 0.9010.8930.8850.8770.8700.8330.8000.7690.7410.714 1.9701.9421.9131.8861.8591.8331.8081.7831.7591.736 1.7131.6901.6681.6471.6261.5281.4401.3611.2891.224 2.9412.8842.8292.7752.7232.6732.6242.5772.5312.487 2.4442.4022.3612.3222.2832.1061.9521.8161.6961.589 3.9023.8083.7173.6303.5463.4653.3873.3123.2403.170 3.1023.0372.9742.9142.8552.5892.3622.1661.9971.849 4.8534.7134.5804.4524.3294.2124.1003.9933.8903.791 3.6963.6053.5173.4333.3522.9912.6892.4362.2202.035 5.7955.6015.4175.2425.0764.9174.7674.6234.4864.355 4.2314.1113.9983.8893.7843.3262.9512.6432.3852.168 6.7286.4726.2306.0025.7865.5825.3895.2065.0334.868 4.7124.5644.4234.2884.1603.6053.1612.8022.5082.263 7.6527.3257.0206.7336.4636.2105.9715.7475.5355.335 5.1464.9684.7994.6394.4873.8373.3292.9252.5982.331 8.5668.1627.7867.4357.1086.8026.5156.2475.9955.759 5.5375.3285.1324.9464.7724.0313.4633.0192.6652.379 9.4718.9838.5308.1117.7227.3607.0246.7106.4186.145 5.8895.6505.4265.2165.0194.1923.5713.0922.7152.414 10.3689.7879.2538.7608.3067.8877.4997.1396.8056.495 6.2075.9385.6875.4535.2344.3273.6563.1472.7522.438 11.25510.5759.9549.3858.8638.3847.9437.5367.1616.814 6.4926.1945.9185.6605.4214.4393.7253.1902.7792.456 12.13411.34810.6359.9869.3948.8538.3587.9047.4877.103 6.7506.4246.1225.8425.5834.5333.7803.2232.7992.469 13.00412.10611.29610.5639.8999.2958.7458.2447.7867.367 6.9826.6286.3026.0025.7244.6113.8243.2492.8142.478 13.86512.84911.93811.11810.3809.7129.1088.5598.0617.606 7.1916.8116.4626.1425.8474.6753.8593.2682.8252.484 14.71813.57812.56111.65210.83810.1069.4478.8518.3137.824 7.3796.9746.6046.2655.9544.7303.8873.2832.8342.489 15.56214.29213.16612.16611.27410.4779.7639.1228.5448.022 7.5497.1206.7296.3736.0474.7753.9103.2952.8402.492 16.39814.99213.75412.65911.69010.82810.0599.3728.7568.201 7.7027.2506.8406.4676.1284.8123.9283.3042.8442.494 17.22615.67814.32413.13412.08511.15810.3369.6048.9508.365 7.8397.3666.9386.5506.1984.8433.9423.3112.8482.496 18.04616.35114.87713.59012.46211.47010.5949.8189.1298.514 7.9637.4697.0256.6236.2594.8703.9543.3162.8502.497 18.85717.01115.41514.02912.82111.76410.83610.0179.2928.649 8.0757.5627.1026.6876.3124.8913.9633.3202.8522.498 19.66017.65815.93714.45113.16312.04211.06110.2019.4428.772 8.1767.6457.1706.7436.3594.9093.9703.3232.8532.498 20.45618.29216.44414.85713.48912.30311.27210.3719.5808.883 8.2667.7187.2306.7926.3994.9253.9763.3252.8542.499 21.24318.91416.93615.24713.79912.55011.46910.5299.7078.985 8.3487.7847.2836.8356.4344.9373.9813.3272.8552.499 22.02319.52317.41315.62214.09412.78311.65410.6759.8239.077 8.4227.8437.3306.8736.4644.9483.9853.3292.8562.499 Modified Uniform Present Value Discount Factors for finding the present value (P) of a series of future amount s based on a current amount A(0) e scalating at a given inflation rate (e) (P/A(0),i%,n) P = A(0)*[(1+e)/(i-e )]*[1-((1+e)/(1+i))^n] Escalation/inflation rate (e) ears Interest Rate (i) (n) 1%2%3%4%5%6%7%8%9%10%11%12%13%14%15%20%25%30%35%40% 1.0201.0101.0000.9900.9810.9720.9630.9540.9450.936 0.9280.9200.9120.9040.8960.8580.8240.7920.7630.736 2.0602.0302.0001.9711.9431.9161.8891.8631.8381.813 1.7891.7651.7421.7201.6981.5951.5031.4201.3451.277 3.1203.0593.0002.9432.8872.8332.7812.7312.6822.634 2.5882.5432.5002.4572.4162.2272.0621.9171.7891.675 4.2024.0994.0003.9053.8133.7253.6403.5583.4793.403 3.3293.2583.1903.1243.0602.7702.5232.3122.1281.968 5.3055.1495.0004.8584.7214.5914.4664.3474.2324.123 4.0173.9163.8193.7263.6363.2362.9032.6242.3872.184 6.4306.2096.0005.8015.6125.4335.2625.0994.9444.797 4.6564.5214.3934.2704.1523.6363.2162.8712.5842.342 7.5777.2807.0006.7366.4876.2516.0285.8175.6175.428 5.2485.0784.9154.7614.6153.9793.4743.0672.7342.459 8.7478.3618.0007.6627.3447.0466.7656.5016.2536.019 5.7985.5895.3925.2055.0294.2743.6873.2222.8492.545 9.9409.4539.0008.5788.1857.8187.4757.1546.8546.572 6.3086.0605.8265.6075.4004.5273.8623.3452.9372.608 11.15610.55510.0009.4869.0108.5688.1587.7777.4217.09 06.7816.4926.2225.9695.7324.7444.0063.4433.0042.654 12.39711.66911.00010.3859.8199.2988.8168.3707.9587.5 757.2206.8906.5836.2976.0304.9304.1253.5203.0552.689 13.66212.79312.00011.27610.61310.0069.4498.9378.4658.0 307.6287.2566.9126.5936.2965.0904.2233.5813.0942.714 14.95313.92813.00012.15811.39210.69510.0589.4768.9448. 4558.0067.5937.2126.8606.5355.2274.3043.6303.1232.732 16.26915.07414.00013.03112.15611.36410.6459.9919.3968. 8538.3577.9027.4857.1026.7485.3454.3703.6683.1462.746 17.61116.23215.00013.89612.90512.01411.21010.4839.8249.2268.6838.1877.7347.3206.9405.4464.4253.6993.1632.756 18.97917.40116.00014.75313.64112.64511.75310.95110.2289.5768.9858.4497.9617.5177.1115.5334.4703.7233.1762.763 20.37518.58117.00015.60214.36213.25912.27611.39810.6109.9039.2658.6898.1687.6957.2655.6074.5083.7423.1862.769 21.79819.77318.00016.44215.06913.85612.78011.82410.97110.2099.5258.9118.3577.8567.4035.6714.5383.7573.1942.773 23.25020.97719.00017.27415.76314.43513.26512.23011.31210.4969.7679.1148.5298.0027.5265.7264.5643.7693.2002.776 24.73022.19220.00018.09916.44414.99813.73212.61811.63410.7649.9919.3028.6868.1337.6365.7734.5843.7793.2042.778 26.23923.42021.00018.91517.11115.54614.18112.98711.93911.01510.1999.4748.8288.2527.7355.8144.6013.7863.2082.779 27.77924.65922.00019.72317.76616.07714.61313.34012.22711.25110.3929.6328.9598.3597.8235.8494.6163.7923.2102.781 29.34825.91123.00020.52418.40916.59415.03013.67612.49911.47110.5719.7789.0778.4567.9035.8784.6273.7973.2122.781 30.94927.17524.00021.31719.03917.09615.43013.99612.75611.67810.7379.9129.1868.5447.9745.9044.6373.8013.2142.782 32.58228.45125.00022.10319.65817.58415.81614.30212.99811.87110.89110.0359.2848.6238.0375.9264.6453.8033.2152.782