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