Service Forester's Handbook

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====== Compound Interest Factors =====
Value of $1 (computed annually) at the end of a period of n years earning r% annual interest. 
^3%          ^6%        ^9%       ^Years   ^12%        ^15%        ^18%         |
^Dollars                        ^^^        ^Dollars                           ^^|  
|1.030       |1.060     |1.090    |1       |1.120      |1.150      |1.180       |
|1.060       |1.123     |1.188    |2       |1.254      |1.322      |1.392       |
|1.092       |1.191     |1.295    |3       |1.404      |1.520      |1.643       |
|1.125       |1.262     |1.411    |4       |1.573      |1.749      |1.938       |
|1.159       |1.338     |1.538    |5       |1.762      |2.011      |2.287       |
|1.194       |1.418     |1.677    |6       |1.973      |2.313      |2.699       |
|1.229       |1.503     |1.828    |7       |2.210      |2.660      |3.185       |
|1.266       |1.593     |1.992    |8       |2.475      |3.059      |3.758       |
|1.304       |1.689     |2.171    |9       |2.773      |3.517      |4.435       |
|1.343       |1.790     |2.367    |10      |3.105      |4.045      |5.233       |
|1.384       |1.898     |2.580    |11      |3.478      |4.652      |6.175       |
|1.425       |2.012     |2.812    |12      |3.895      |5.350      |7.287       |
|1.468       |2.132     |3.065    |13      |4.363      |6.152      |8.599       |
|1.512       |2.260     |3.341    |14      |4.887      |7.075      |10.147      |
|1.557       |2.396     |3.642    |15      |5.473      |8.137      |11.973      |
|1.604       |2.540     |3.970    |16      |6.130      |9.357      |14.129      |
|1.652       |2.692     |4.327    |17      |6.866      |10.761     |16.672      |
|1.702       |2.854     |4.717    |18      |7.689      |12.375     |19.673      |
|1.753       |3.025     |5.141    |19      |8.612      |14.231     |23.214      |
|1.806       |3.207     |5.604    |20      |9.646      |16.366     |27.393      |
|1.860       |3.399     |6.108    |21      |10.803     |18.821     |32.323      |
|1.916       |3.603     |6.658    |22      |12.100     |21.644     |38.142      |
|1.973       |3.819     |7.257    |23      |13.522     |24.891     |45.007      |
|2.032       |4.048     |7.911    |24      |15.178     |28.625     |53.109      |
|2.093       |4.291     |8.623    |25      |17.000     |32.918     |62.668      |
|2.156       |4.549     |9.399    |26      |19.040     |37.856     |73.948      |
|2.221       |4.822     |10.245   |27      |21.324     |43.535     |87.259      |
|2.287       |5.111     |11.167   |28      |23.883     |50.065     |102.966     |
|2.356       |5.418     |12.172   |29      |26.749     |57.575     |121.500     |
|2.427       |5.743     |13.267   |30      |29.959     |66.211     |143.370     |
|2.813       |7.686     |20.413   |35      |52.799     |133.175    |327.997     |
|3.262       |10.285    |31.409   |40      |93.050     |267.863    |750.378     |
|3.781       |13.764    |48.327   |45      |163.987    |538.769    |1716.683    |
|4.383       |18.420    |74.357   |50      |289.002    |1083.657   |3927.356    |
|5.082       |24.650    |114.408  |55      |509.320    |2179.622   |8984.841    |
|5.891       |32.987    |176.031  |60      |897.596    |4383.998   |20555.139   |
|6.829       |44.144    |270.845  |65      |           |           |            |
|7.917       |59.075    |416.730  |70      |           |           |            |
|9.178       |79.056    |641.190  |75      |           |           |            |
|10.640      |105.795   |         |80      |           |           |            |
|12.335      |141.578   |         |85      |           |           |            |
|14.300      |189.464   |         |90      |           |           |            |
|16.578      |253.546   |         |95      |           |           |            |
|19.218      |339.302   |         |100     |           |           |            |      
====Compound-Interest Formulas====
1. End Value of Initial sum after n years: V<sub>n</sub> = V<sub>o</sub>(1+r)<sup>n</sup> \\
2. Initial value of end value: V<sub>o</sub> = V<sub>n</sub>/(1+r)<sup>n</sup> \\
3. Rate of interest earned on sum: r=100[(V<sub>n</sub>/V<sub>o</sub>)<sup>1/n</sup>-1] \\
4. Amount of interest earned: R<sub>n</sub> = V<sub>o</sub>[(1+r)<sup>n</sup>-1]\\ 
5. Initial value of a perpetual annual payment: V<sub>o</sub> = a + a/r\\ 
6. Initial value of terminal series of annual payments: V<sub>o</sub> = a + a/r [((1+r)<sup>n</sup>-1)/(1+r)<sup>n</sup>]\\
7. End value of terminal series of annual payments: V<sub>n</sub> = a[(1+r)<sup>n</sup>-1] / r\\
8. Present worth of land: Present Worth = Net value at end of rotation/((1+r)<sup>t</sup>-1) \\
====Legend====
V<sub>n</sub> = end value\\
r = rate of interest\\
V<sub>o</sub> = initial value\\
R<sub>n</sub> = amount of interest ($)\\
n = number of years\\
a = annual payment\\
t = length of rotation\\
Service Forester's Handbook

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