User Tools
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
