Table of Contents

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: Vn = Vo(1+r)n
2. Initial value of end value: Vo = Vn/(1+r)n
3. Rate of interest earned on sum: r=100[(Vn/Vo)1/n-1]
4. Amount of interest earned: Rn = Vo[(1+r)n-1]
5. Initial value of a perpetual annual payment: Vo = a + a/r
6. Initial value of terminal series of annual payments: Vo = a + a/r [((1+r)n-1)/(1+r)n]
7. End value of terminal series of annual payments: Vn = a[(1+r)n-1] / r
8. Present worth of land: Present Worth = Net value at end of rotation/((1+r)t-1)

Legend

Vn = end value
r = rate of interest
Vo = initial value
Rn = amount of interest ($)
n = number of years
a = annual payment
t = length of rotation