Ordinary Annuity of $1 Present Value Table [1-(1/(1+i)n)] / i
	0.5	1	1.5	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18	19	20
1	0.995	0.990	0.985	0.980	0.971	0.962	0.952	0.943	0.935	0.926	0.917	0.909	0.901	0.893	0.885	0.877	0.870	0.862	0.855	0.847	0.840	0.833
2	1.985	1.970	1.956	1.942	1.913	1.886	1.859	1.833	1.808	1.783	1.759	1.736	1.713	1.690	1.668	1.647	1.626	1.605	1.585	1.566	1.547	1.528
3	2.970	2.941	2.912	2.884	2.829	2.775	2.723	2.673	2.624	2.577	2.531	2.487	2.444	2.402	2.361	2.322	2.283	2.246	2.210	2.174	2.140	2.106
4	3.950	3.902	3.854	3.808	3.717	3.630	3.546	3.465	3.387	3.312	3.240	3.170	3.102	3.037	2.974	2.914	2.855	2.798	2.743	2.690	2.639	2.589
5	4.926	4.853	4.783	4.713	4.580	4.452	4.329	4.212	4.100	3.993	3.890	3.791	3.696	3.605	3.517	3.433	3.352	3.274	3.199	3.127	3.058	2.991
6	5.896	5.795	5.697	5.601	5.417	5.242	5.076	4.917	4.767	4.623	4.486	4.355	4.231	4.111	3.998	3.889	3.784	3.685	3.589	3.498	3.410	3.326
7	6.862	6.728	6.598	6.472	6.230	6.002	5.786	5.582	5.389	5.206	5.033	4.868	4.712	4.564	4.423	4.288	4.160	4.039	3.922	3.812	3.706	3.605
8	7.823	7.652	7.486	7.325	7.020	6.733	6.463	6.210	5.971	5.747	5.535	5.335	5.146	4.968	4.799	4.639	4.487	4.344	4.207	4.078	3.954	3.837
9	8.779	8.566	8.361	8.162	7.786	7.435	7.108	6.802	6.515	6.247	5.995	5.759	5.537	5.328	5.132	4.946	4.772	4.607	4.451	4.303	4.163	4.031
10	9.730	9.471	9.222	8.983	8.530	8.111	7.722	7.360	7.024	6.710	6.418	6.145	5.889	5.650	5.426	5.216	5.019	4.833	4.659	4.494	4.339	4.192
11	10.677	10.368	10.071	9.787	9.253	8.760	8.306	7.887	7.499	7.139	6.805	6.495	6.207	5.938	5.687	5.453	5.234	5.029	4.836	4.656	4.486	4.327
12	11.619	11.255	10.908	10.575	9.954	9.385	8.863	8.384	7.943	7.536	7.161	6.814	6.492	6.194	5.918	5.660	5.421	5.197	4.988	4.793	4.611	4.439
13	12.556	12.134	11.732	11.348	10.635	9.986	9.394	8.853	8.358	7.904	7.487	7.103	6.750	6.424	6.122	5.842	5.583	5.342	5.118	4.910	4.715	4.533
14	13.489	13.004	12.543	12.106	11.296	10.563	9.899	9.295	8.745	8.244	7.786	7.367	6.982	6.628	6.302	6.002	5.724	5.468	5.229	5.008	4.802	4.611
15	14.417	13.865	13.343	12.849	11.938	11.118	10.380	9.712	9.108	8.559	8.061	7.606	7.191	6.811	6.462	6.142	5.847	5.575	5.324	5.092	4.876	4.675
16	15.340	14.718	14.131	13.578	12.561	11.652	10.838	10.106	9.447	8.851	8.313	7.824	7.379	6.974	6.604	6.265	5.954	5.668	5.405	5.162	4.938	4.730
17	16.259	15.562	14.908	14.292	13.166	12.166	11.274	10.477	9.763	9.122	8.544	8.022	7.549	7.120	6.729	6.373	6.047	5.749	5.475	5.222	4.990	4.775
18	17.173	16.398	15.673	14.992	13.754	12.659	11.690	10.828	10.059	9.372	8.756	8.201	7.702	7.250	6.840	6.467	6.128	5.818	5.534	5.273	5.033	4.812
19	18.082	17.226	16.426	15.678	14.324	13.134	12.085	11.158	10.336	9.604	8.950	8.365	7.839	7.366	6.938	6.550	6.198	5.877	5.584	5.316	5.070	4.843
20	18.987	18.046	17.169	16.351	14.877	13.590	12.462	11.470	10.594	9.818	9.129	8.514	7.963	7.469	7.025	6.623	6.259	5.929	5.628	5.353	5.101	4.870
21	19.888	18.857	17.900	17.011	15.415	14.029	12.821	11.764	10.836	10.017	9.292	8.649	8.075	7.562	7.102	6.687	6.312	5.973	5.665	5.384	5.127	4.891
22	20.784	19.660	18.621	17.658	15.937	14.451	13.163	12.042	11.061	10.201	9.442	8.772	8.176	7.645	7.170	6.743	6.359	6.011	5.696	5.410	5.149	4.909
23	21.676	20.456	19.331	18.292	16.444	14.857	13.489	12.303	11.272	10.371	9.580	8.883	8.266	7.718	7.230	6.792	6.399	6.044	5.723	5.432	5.167	4.925
24	22.563	21.243	20.030	18.914	16.936	15.247	13.799	12.550	11.469	10.529	9.707	8.985	8.348	7.784	7.283	6.835	6.434	6.073	5.746	5.451	5.182	4.937
25	23.446	22.023	20.720	19.523	17.413	15.622	14.094	12.783	11.654	10.675	9.823	9.077	8.422	7.843	7.330	6.873	6.464	6.097	5.766	5.467	5.195	4.948
26	24.324	22.795	21.399	20.121	17.877	15.983	14.375	13.003	11.826	10.810	9.929	9.161	8.488	7.896	7.372	6.906	6.491	6.118	5.783	5.480	5.206	4.956
27	25.198	23.560	22.068	20.707	18.327	16.330	14.643	13.211	11.987	10.935	10.027	9.237	8.548	7.943	7.409	6.935	6.514	6.136	5.798	5.492	5.215	4.964
28	26.068	24.316	22.727	21.281	18.764	16.663	14.898	13.406	12.137	11.051	10.116	9.307	8.602	7.984	7.441	6.961	6.534	6.152	5.810	5.502	5.223	4.970
29	26.933	25.066	23.376	21.844	19.188	16.984	15.141	13.591	12.278	11.158	10.198	9.370	8.650	8.022	7.470	6.983	6.551	6.166	5.820	5.510	5.229	4.975
30	27.794	25.808	24.016	22.396	19.600	17.292	15.372	13.765	12.409	11.258	10.274	9.427	8.694	8.055	7.496	7.003	6.566	6.177	5.829	5.517	5.235	4.979
31	28.651	26.542	24.646	22.938	20.000	17.588	15.593	13.929	12.532	11.350	10.343	9.479	8.733	8.085	7.518	7.020	6.579	6.187	5.837	5.523	5.239	4.982
32	29.503	27.270	25.267	23.468	20.389	17.874	15.803	14.084	12.647	11.435	10.406	9.526	8.769	8.112	7.538	7.035	6.591	6.196	5.844	5.528	5.243	4.985
33	30.352	27.990	25.879	23.989	20.766	18.148	16.003	14.230	12.754	11.514	10.464	9.569	8.801	8.135	7.556	7.048	6.600	6.203	5.849	5.532	5.246	4.988
34	31.196	28.703	26.482	24.499	21.132	18.411	16.193	14.368	12.854	11.587	10.518	9.609	8.829	8.157	7.572	7.060	6.609	6.210	5.854	5.536	5.249	4.990
35	32.035	29.409	27.076	24.999	21.487	18.665	16.374	14.498	12.948	11.655	10.567	9.644	8.855	8.176	7.586	7.070	6.617	6.215	5.858	5.539	5.251	4.992
36	32.871	30.108	27.661	25.489	21.832	18.908	16.547	14.621	13.035	11.717	10.612	9.677	8.879	8.192	7.598	7.079	6.623	6.220	5.862	5.541	5.253	4.993
37	33.703	30.800	28.237	25.969	22.167	19.143	16.711	14.737	13.117	11.775	10.653	9.706	8.900	8.208	7.609	7.087	6.629	6.224	5.865	5.543	5.255	4.994
38	34.530	31.485	28.805	26.441	22.492	19.368	16.868	14.846	13.193	11.829	10.691	9.733	8.919	8.221	7.618	7.094	6.634	6.228	5.867	5.545	5.256	4.995
39	35.353	32.163	29.365	26.903	22.808	19.584	17.017	14.949	13.265	11.879	10.726	9.757	8.936	8.233	7.627	7.100	6.638	6.231	5.869	5.547	5.257	4.996
40	36.172	32.835	29.916	27.355	23.115	19.793	17.159	15.046	13.332	11.925	10.757	9.779	8.951	8.244	7.634	7.105	6.642	6.233	5.871	5.548	5.258	4.997
41	36.987	33.500	30.459	27.799	23.412	19.993	17.294	15.138	13.394	11.967	10.787	9.799	8.965	8.253	7.641	7.110	6.645	6.236	5.873	5.549	5.259	4.997
42	37.798	34.158	30.994	28.235	23.701	20.186	17.423	15.225	13.452	12.007	10.813	9.817	8.977	8.262	7.647	7.114	6.648	6.238	5.874	5.550	5.260	4.998
43	38.605	34.810	31.521	28.662	23.982	20.371	17.546	15.306	13.507	12.043	10.838	9.834	8.989	8.270	7.652	7.117	6.650	6.239	5.875	5.551	5.260	4.998
44	39.408	35.455	32.041	29.080	24.254	20.549	17.663	15.383	13.558	12.077	10.861	9.849	8.999	8.276	7.657	7.120	6.652	6.241	5.876	5.552	5.261	4.998
45	40.207	36.095	32.552	29.490	24.519	20.720	17.774	15.456	13.606	12.108	10.881	9.863	9.008	8.283	7.661	7.123	6.654	6.242	5.877	5.552	5.261	4.999
46	41.002	36.727	33.056	29.892	24.775	20.885	17.880	15.524	13.650	12.137	10.900	9.875	9.016	8.288	7.664	7.126	6.656	6.243	5.878	5.553	5.261	4.999
47	41.793	37.354	33.553	30.287	25.025	21.043	17.981	15.589	13.692	12.164	10.918	9.887	9.024	8.293	7.668	7.128	6.657	6.244	5.879	5.553	5.262	4.999
48	42.580	37.974	34.043	30.673	25.267	21.195	18.077	15.650	13.730	12.189	10.934	9.897	9.030	8.297	7.671	7.130	6.659	6.245	5.879	5.554	5.262	4.999
49	43.364	38.588	34.525	31.052	25.502	21.341	18.169	15.708	13.767	12.212	10.948	9.906	9.036	8.301	7.673	7.131	6.660	6.246	5.880	5.554	5.262	4.999
50	44.143	39.196	35.000	31.424	25.730	21.482	18.256	15.762	13.801	12.233	10.962	9.915	9.042	8.304	7.675	7.133	6.661	6.246	5.880	5.554	5.262	4.999
51	44.918	39.798	35.468	31.788	25.951	21.617	18.339	15.813	13.832	12.253	10.974	9.923	9.047	8.308	7.677	7.134	6.661	6.247	5.880	5.554	5.262	5.000
52	45.690	40.394	35.929	32.145	26.166	21.748	18.418	15.861	13.862	12.272	10.985	9.930	9.051	8.310	7.679	7.135	6.662	6.247	5.881	5.555	5.263	5.000
53	46.457	40.984	36.383	32.495	26.375	21.873	18.493	15.907	13.890	12.288	10.996	9.936	9.055	8.313	7.680	7.136	6.663	6.248	5.881	5.555	5.263	5.000
54	47.221	41.569	36.831	32.838	26.578	21.993	18.565	15.950	13.916	12.304	11.005	9.942	9.058	8.315	7.682	7.137	6.663	6.248	5.881	5.555	5.263	5.000
55	47.981	42.147	37.271	33.175	26.774	22.109	18.633	15.991	13.940	12.319	11.014	9.947	9.062	8.317	7.683	7.138	6.664	6.248	5.881	5.555	5.263	5.000
56	48.738	42.720	37.706	33.505	26.965	22.220	18.699	16.029	13.963	12.332	11.022	9.952	9.065	8.319	7.684	7.138	6.664	6.248	5.881	5.555	5.263	5.000
57	49.490	43.287	38.134	33.828	27.151	22.327	18.761	16.065	13.984	12.344	11.029	9.956	9.067	8.320	7.685	7.139	6.664	6.249	5.882	5.555	5.263	5.000
58	50.239	43.849	38.556	34.145	27.331	22.430	18.820	16.099	14.003	12.356	11.036	9.960	9.070	8.322	7.686	7.139	6.665	6.249	5.882	5.555	5.263	5.000
59	50.984	44.405	38.971	34.456	27.506	22.528	18.876	16.131	14.022	12.367	11.042	9.964	9.072	8.323	7.687	7.140	6.665	6.249	5.882	5.555	5.263	5.000
60	51.726	44.955	39.380	34.761	27.676	22.623	18.929	16.161	14.039	12.377	11.048	9.967	9.074	8.324	7.687	7.140	6.665	6.249	5.882	5.555	5.263	5.000
61	52.463	45.500	39.784	35.060	27.840	22.715	18.980	16.190	14.055	12.386	11.053	9.970	9.075	8.325	7.688	7.140	6.665	6.249	5.882	5.555	5.263	5.000
62	53.197	46.040	40.181	35.353	28.000	22.803	19.029	16.217	14.070	12.394	11.058	9.973	9.077	8.326	7.688	7.141	6.666	6.249	5.882	5.555	5.263	5.000
63	53.928	46.574	40.572	35.640	28.156	22.887	19.075	16.242	14.084	12.402	11.062	9.975	9.078	8.327	7.689	7.141	6.666	6.249	5.882	5.555	5.263	5.000
64	54.654	47.103	40.958	35.921	28.306	22.969	19.119	16.266	14.098	12.409	11.066	9.978	9.079	8.327	7.689	7.141	6.666	6.250	5.882	5.555	5.263	5.000
65	55.377	47.627	41.338	36.197	28.453	23.047	19.161	16.289	14.110	12.416	11.070	9.980	9.081	8.328	7.690	7.141	6.666	6.250	5.882	5.555	5.263	5.000
66	56.097	48.145	41.712	36.468	28.595	23.122	19.201	16.310	14.121	12.422	11.073	9.981	9.082	8.329	7.690	7.142	6.666	6.250	5.882	5.555	5.263	5.000
67	56.813	48.659	42.081	36.733	28.733	23.194	19.239	16.331	14.132	12.428	11.077	9.983	9.083	8.329	7.690	7.142	6.666	6.250	5.882	5.555	5.263	5.000
68	57.525	49.167	42.444	36.994	28.867	23.264	19.275	16.350	14.142	12.433	11.079	9.985	9.083	8.330	7.690	7.142	6.666	6.250	5.882	5.555	5.263	5.000
69	58.234	49.670	42.802	37.249	28.997	23.330	19.310	16.368	14.152	12.438	11.082	9.986	9.084	8.330	7.691	7.142	6.666	6.250	5.882	5.555	5.263	5.000
70	58.939	50.169	43.155	37.499	29.123	23.395	19.343	16.385	14.160	12.443	11.084	9.987	9.085	8.330	7.691	7.142	6.666	6.250	5.882	5.556	5.263	5.000
71	59.641	50.662	43.502	37.744	29.246	23.456	19.374	16.401	14.169	12.447	11.087	9.988	9.085	8.331	7.691	7.142	6.666	6.250	5.882	5.556	5.263	5.000
72	60.340	51.150	43.845	37.984	29.365	23.516	19.404	16.416	14.176	12.451	11.089	9.990	9.086	8.331	7.691	7.142	6.666	6.250	5.882	5.556	5.263	5.000
73	61.034	51.634	44.182	38.220	29.481	23.573	19.432	16.430	14.183	12.455	11.091	9.990	9.086	8.331	7.691	7.142	6.666	6.250	5.882	5.556	5.263	5.000
74	61.726	52.113	44.514	38.451	29.593	23.628	19.459	16.443	14.190	12.458	11.092	9.991	9.087	8.331	7.691	7.142	6.666	6.250	5.882	5.556	5.263	5.000
75	62.414	52.587	44.842	38.677	29.702	23.680	19.485	16.456	14.196	12.461	11.094	9.992	9.087	8.332	7.692	7.142	6.666	6.250	5.882	5.556	5.263	5.000
76	63.098	53.056	45.164	38.899	29.808	23.731	19.509	16.468	14.202	12.464	11.095	9.993	9.088	8.332	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
77	63.779	53.521	45.482	39.117	29.910	23.780	19.533	16.479	14.208	12.467	11.097	9.994	9.088	8.332	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
78	64.457	53.981	45.795	39.330	30.010	23.827	19.555	16.490	14.213	12.469	11.098	9.994	9.088	8.332	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
79	65.131	54.437	46.103	39.539	30.107	23.872	19.576	16.500	14.218	12.471	11.099	9.995	9.089	8.332	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
80	65.802	54.888	46.407	39.745	30.201	23.915	19.596	16.509	14.222	12.474	11.100	9.995	9.089	8.332	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
81	66.470	55.335	46.707	39.946	30.292	23.957	19.616	16.518	14.226	12.475	11.101	9.996	9.089	8.332	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
82	67.134	55.777	47.002	40.143	30.381	23.997	19.634	16.526	14.230	12.477	11.102	9.996	9.089	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
83	67.795	56.215	47.292	40.336	30.467	24.036	19.651	16.534	14.234	12.479	11.102	9.996	9.089	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
84	68.453	56.648	47.579	40.526	30.550	24.073	19.668	16.542	14.237	12.481	11.103	9.997	9.089	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
85	69.108	57.078	47.861	40.711	30.631	24.109	19.684	16.549	14.240	12.482	11.104	9.997	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
86	69.759	57.503	48.139	40.893	30.710	24.143	19.699	16.556	14.243	12.483	11.104	9.997	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
87	70.407	57.923	48.412	41.072	30.786	24.176	19.713	16.562	14.246	12.485	11.105	9.997	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
88	71.051	58.340	48.682	41.247	30.860	24.207	19.727	16.568	14.249	12.486	11.105	9.998	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
89	71.693	58.752	48.948	41.419	30.932	24.238	19.740	16.573	14.251	12.487	11.106	9.998	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
90	72.331	59.161	49.210	41.587	31.002	24.267	19.752	16.579	14.253	12.488	11.106	9.998	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
91	72.966	59.565	49.468	41.752	31.070	24.295	19.764	16.584	14.255	12.489	11.107	9.998	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
92	73.598	59.966	49.722	41.914	31.136	24.323	19.775	16.588	14.257	12.489	11.107	9.998	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
93	74.227	60.362	49.972	42.072	31.200	24.349	19.786	16.593	14.259	12.490	11.107	9.999	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
94	74.853	60.754	50.219	42.228	31.262	24.374	19.796	16.597	14.261	12.491	11.108	9.999	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
95	75.476	61.143	50.462	42.380	31.323	24.398	19.806	16.601	14.263	12.492	11.108	9.999	9.090	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
96	76.095	61.528	50.702	42.529	31.381	24.421	19.815	16.605	14.264	12.492	11.108	9.999	9.091	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
97	76.712	61.909	50.938	42.676	31.438	24.443	19.824	16.608	14.266	12.493	11.109	9.999	9.091	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
98	77.325	62.286	51.170	42.820	31.493	24.465	19.832	16.611	14.267	12.493	11.109	9.999	9.091	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
99	77.935	62.659	51.399	42.960	31.547	24.485	19.840	16.615	14.268	12.494	11.109	9.999	9.091	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000
100	78.543	63.029	51.625	43.098	31.599	24.505	19.848	16.618	14.269	12.494	11.109	9.999	9.091	8.333	7.692	7.143	6.667	6.250	5.882	5.556	5.263	5.000