How do you read a present value table?

Find the row for the number of periods and the column for the rate per period, then multiply the factor by the cash amount. $5,000 received in 10 years at 8% is worth $5,000 × 0.4632 = $2,316.00 today.

What if my rate isn't in the table?

Use the factor finder at the top of this page, which works out the exact factor for any rate and number of periods. Interpolating between two columns gives only an approximation.

How do I use the tables for monthly or quarterly periods?

Divide the annual rate by the number of periods in a year and multiply the years by the same number. Monthly payments for 3 years at 12% a year use the 1% column and 36 periods.

Why does the annuity due table differ from the ordinary annuity table?

An annuity due pays at the start of each period, so each payment is discounted one period less. Each annuity due factor is the ordinary annuity factor times (1 + i).

Reference table

Present value tables

Factor tables for present and future value at 1% to 20% and 1 to 50 periods, to print or download. For an exact answer with your own numbers, use the present value calculator.

Computed from the formulas shown, to four decimal places. Reviewed October 29, 2026.

Factor finder

Rate per period

Periods

Factors at 6.5% for 10 periods, to six decimal places.
Present value of $1	0.532726
Present value of an ordinary annuity	7.188830
Present value of an annuity due	7.656104
Future value of $1	1.877137
Future value of an ordinary annuity	13.494423

Present value of $1

Factor1 ÷ (1 + i)^n

What $1 received n periods from now is worth today. i is the rate per period; n is the number of periods.

Present value of $1, 4 decimal places. Multiply by the cash amount to get its value.
n	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	18%	20%
1	0.9901	0.9804	0.9709	0.9615	0.9524	0.9434	0.9346	0.9259	0.9174	0.9091	0.9009	0.8929	0.8850	0.8772	0.8696	0.8621	0.8475	0.8333
2	0.9803	0.9612	0.9426	0.9246	0.9070	0.8900	0.8734	0.8573	0.8417	0.8264	0.8116	0.7972	0.7831	0.7695	0.7561	0.7432	0.7182	0.6944
3	0.9706	0.9423	0.9151	0.8890	0.8638	0.8396	0.8163	0.7938	0.7722	0.7513	0.7312	0.7118	0.6931	0.6750	0.6575	0.6407	0.6086	0.5787
4	0.9610	0.9238	0.8885	0.8548	0.8227	0.7921	0.7629	0.7350	0.7084	0.6830	0.6587	0.6355	0.6133	0.5921	0.5718	0.5523	0.5158	0.4823
5	0.9515	0.9057	0.8626	0.8219	0.7835	0.7473	0.7130	0.6806	0.6499	0.6209	0.5935	0.5674	0.5428	0.5194	0.4972	0.4761	0.4371	0.4019
6	0.9420	0.8880	0.8375	0.7903	0.7462	0.7050	0.6663	0.6302	0.5963	0.5645	0.5346	0.5066	0.4803	0.4556	0.4323	0.4104	0.3704	0.3349
7	0.9327	0.8706	0.8131	0.7599	0.7107	0.6651	0.6227	0.5835	0.5470	0.5132	0.4817	0.4523	0.4251	0.3996	0.3759	0.3538	0.3139	0.2791
8	0.9235	0.8535	0.7894	0.7307	0.6768	0.6274	0.5820	0.5403	0.5019	0.4665	0.4339	0.4039	0.3762	0.3506	0.3269	0.3050	0.2660	0.2326
9	0.9143	0.8368	0.7664	0.7026	0.6446	0.5919	0.5439	0.5002	0.4604	0.4241	0.3909	0.3606	0.3329	0.3075	0.2843	0.2630	0.2255	0.1938
10	0.9053	0.8203	0.7441	0.6756	0.6139	0.5584	0.5083	0.4632	0.4224	0.3855	0.3522	0.3220	0.2946	0.2697	0.2472	0.2267	0.1911	0.1615
11	0.8963	0.8043	0.7224	0.6496	0.5847	0.5268	0.4751	0.4289	0.3875	0.3505	0.3173	0.2875	0.2607	0.2366	0.2149	0.1954	0.1619	0.1346
12	0.8874	0.7885	0.7014	0.6246	0.5568	0.4970	0.4440	0.3971	0.3555	0.3186	0.2858	0.2567	0.2307	0.2076	0.1869	0.1685	0.1372	0.1122
13	0.8787	0.7730	0.6810	0.6006	0.5303	0.4688	0.4150	0.3677	0.3262	0.2897	0.2575	0.2292	0.2042	0.1821	0.1625	0.1452	0.1163	0.0935
14	0.8700	0.7579	0.6611	0.5775	0.5051	0.4423	0.3878	0.3405	0.2992	0.2633	0.2320	0.2046	0.1807	0.1597	0.1413	0.1252	0.0985	0.0779
15	0.8613	0.7430	0.6419	0.5553	0.4810	0.4173	0.3624	0.3152	0.2745	0.2394	0.2090	0.1827	0.1599	0.1401	0.1229	0.1079	0.0835	0.0649
16	0.8528	0.7284	0.6232	0.5339	0.4581	0.3936	0.3387	0.2919	0.2519	0.2176	0.1883	0.1631	0.1415	0.1229	0.1069	0.0930	0.0708	0.0541
17	0.8444	0.7142	0.6050	0.5134	0.4363	0.3714	0.3166	0.2703	0.2311	0.1978	0.1696	0.1456	0.1252	0.1078	0.0929	0.0802	0.0600	0.0451
18	0.8360	0.7002	0.5874	0.4936	0.4155	0.3503	0.2959	0.2502	0.2120	0.1799	0.1528	0.1300	0.1108	0.0946	0.0808	0.0691	0.0508	0.0376
19	0.8277	0.6864	0.5703	0.4746	0.3957	0.3305	0.2765	0.2317	0.1945	0.1635	0.1377	0.1161	0.0981	0.0829	0.0703	0.0596	0.0431	0.0313
20	0.8195	0.6730	0.5537	0.4564	0.3769	0.3118	0.2584	0.2145	0.1784	0.1486	0.1240	0.1037	0.0868	0.0728	0.0611	0.0514	0.0365	0.0261
21	0.8114	0.6598	0.5375	0.4388	0.3589	0.2942	0.2415	0.1987	0.1637	0.1351	0.1117	0.0926	0.0768	0.0638	0.0531	0.0443	0.0309	0.0217
22	0.8034	0.6468	0.5219	0.4220	0.3418	0.2775	0.2257	0.1839	0.1502	0.1228	0.1007	0.0826	0.0680	0.0560	0.0462	0.0382	0.0262	0.0181
23	0.7954	0.6342	0.5067	0.4057	0.3256	0.2618	0.2109	0.1703	0.1378	0.1117	0.0907	0.0738	0.0601	0.0491	0.0402	0.0329	0.0222	0.0151
24	0.7876	0.6217	0.4919	0.3901	0.3101	0.2470	0.1971	0.1577	0.1264	0.1015	0.0817	0.0659	0.0532	0.0431	0.0349	0.0284	0.0188	0.0126
25	0.7798	0.6095	0.4776	0.3751	0.2953	0.2330	0.1842	0.1460	0.1160	0.0923	0.0736	0.0588	0.0471	0.0378	0.0304	0.0245	0.0160	0.0105
26	0.7720	0.5976	0.4637	0.3607	0.2812	0.2198	0.1722	0.1352	0.1064	0.0839	0.0663	0.0525	0.0417	0.0331	0.0264	0.0211	0.0135	0.0087
27	0.7644	0.5859	0.4502	0.3468	0.2678	0.2074	0.1609	0.1252	0.0976	0.0763	0.0597	0.0469	0.0369	0.0291	0.0230	0.0182	0.0115	0.0073
28	0.7568	0.5744	0.4371	0.3335	0.2551	0.1956	0.1504	0.1159	0.0895	0.0693	0.0538	0.0419	0.0326	0.0255	0.0200	0.0157	0.0097	0.0061
29	0.7493	0.5631	0.4243	0.3207	0.2429	0.1846	0.1406	0.1073	0.0822	0.0630	0.0485	0.0374	0.0289	0.0224	0.0174	0.0135	0.0082	0.0051
30	0.7419	0.5521	0.4120	0.3083	0.2314	0.1741	0.1314	0.0994	0.0754	0.0573	0.0437	0.0334	0.0256	0.0196	0.0151	0.0116	0.0070	0.0042
31	0.7346	0.5412	0.4000	0.2965	0.2204	0.1643	0.1228	0.0920	0.0691	0.0521	0.0394	0.0298	0.0226	0.0172	0.0131	0.0100	0.0059	0.0035
32	0.7273	0.5306	0.3883	0.2851	0.2099	0.1550	0.1147	0.0852	0.0634	0.0474	0.0355	0.0266	0.0200	0.0151	0.0114	0.0087	0.0050	0.0029
33	0.7201	0.5202	0.3770	0.2741	0.1999	0.1462	0.1072	0.0789	0.0582	0.0431	0.0319	0.0238	0.0177	0.0132	0.0099	0.0075	0.0042	0.0024
34	0.7130	0.5100	0.3660	0.2636	0.1904	0.1379	0.1002	0.0730	0.0534	0.0391	0.0288	0.0212	0.0157	0.0116	0.0086	0.0064	0.0036	0.0020
35	0.7059	0.5000	0.3554	0.2534	0.1813	0.1301	0.0937	0.0676	0.0490	0.0356	0.0259	0.0189	0.0139	0.0102	0.0075	0.0055	0.0030	0.0017
36	0.6989	0.4902	0.3450	0.2437	0.1727	0.1227	0.0875	0.0626	0.0449	0.0323	0.0234	0.0169	0.0123	0.0089	0.0065	0.0048	0.0026	0.0014
37	0.6920	0.4806	0.3350	0.2343	0.1644	0.1158	0.0818	0.0580	0.0412	0.0294	0.0210	0.0151	0.0109	0.0078	0.0057	0.0041	0.0022	0.0012
38	0.6852	0.4712	0.3252	0.2253	0.1566	0.1092	0.0765	0.0537	0.0378	0.0267	0.0190	0.0135	0.0096	0.0069	0.0049	0.0036	0.0019	0.0010
39	0.6784	0.4619	0.3158	0.2166	0.1491	0.1031	0.0715	0.0497	0.0347	0.0243	0.0171	0.0120	0.0085	0.0060	0.0043	0.0031	0.0016	0.0008
40	0.6717	0.4529	0.3066	0.2083	0.1420	0.0972	0.0668	0.0460	0.0318	0.0221	0.0154	0.0107	0.0075	0.0053	0.0037	0.0026	0.0013	0.0007
45	0.6391	0.4102	0.2644	0.1712	0.1113	0.0727	0.0476	0.0313	0.0207	0.0137	0.0091	0.0061	0.0041	0.0027	0.0019	0.0013	0.0006	0.0003
50	0.6080	0.3715	0.2281	0.1407	0.0872	0.0543	0.0339	0.0213	0.0134	0.0085	0.0054	0.0035	0.0022	0.0014	0.0009	0.0006	0.0003	0.0001

Present value of an ordinary annuity of $1

Factor[1 − (1 + i)^−n] ÷ i

What $1 paid at the end of each period for n periods is worth today. i is the rate per period; n is the number of periods.

Present value of an ordinary annuity of $1, 4 decimal places. Multiply by the cash amount to get its value.
n	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	18%	20%
1	0.9901	0.9804	0.9709	0.9615	0.9524	0.9434	0.9346	0.9259	0.9174	0.9091	0.9009	0.8929	0.8850	0.8772	0.8696	0.8621	0.8475	0.8333
2	1.9704	1.9416	1.9135	1.8861	1.8594	1.8334	1.8080	1.7833	1.7591	1.7355	1.7125	1.6901	1.6681	1.6467	1.6257	1.6052	1.5656	1.5278
3	2.9410	2.8839	2.8286	2.7751	2.7232	2.6730	2.6243	2.5771	2.5313	2.4869	2.4437	2.4018	2.3612	2.3216	2.2832	2.2459	2.1743	2.1065
4	3.9020	3.8077	3.7171	3.6299	3.5460	3.4651	3.3872	3.3121	3.2397	3.1699	3.1024	3.0373	2.9745	2.9137	2.8550	2.7982	2.6901	2.5887
5	4.8534	4.7135	4.5797	4.4518	4.3295	4.2124	4.1002	3.9927	3.8897	3.7908	3.6959	3.6048	3.5172	3.4331	3.3522	3.2743	3.1272	2.9906
6	5.7955	5.6014	5.4172	5.2421	5.0757	4.9173	4.7665	4.6229	4.4859	4.3553	4.2305	4.1114	3.9975	3.8887	3.7845	3.6847	3.4976	3.3255
7	6.7282	6.4720	6.2303	6.0021	5.7864	5.5824	5.3893	5.2064	5.0330	4.8684	4.7122	4.5638	4.4226	4.2883	4.1604	4.0386	3.8115	3.6046
8	7.6517	7.3255	7.0197	6.7327	6.4632	6.2098	5.9713	5.7466	5.5348	5.3349	5.1461	4.9676	4.7988	4.6389	4.4873	4.3436	4.0776	3.8372
9	8.5660	8.1622	7.7861	7.4353	7.1078	6.8017	6.5152	6.2469	5.9952	5.7590	5.5370	5.3282	5.1317	4.9464	4.7716	4.6065	4.3030	4.0310
10	9.4713	8.9826	8.5302	8.1109	7.7217	7.3601	7.0236	6.7101	6.4177	6.1446	5.8892	5.6502	5.4262	5.2161	5.0188	4.8332	4.4941	4.1925
11	10.3676	9.7868	9.2526	8.7605	8.3064	7.8869	7.4987	7.1390	6.8052	6.4951	6.2065	5.9377	5.6869	5.4527	5.2337	5.0286	4.6560	4.3271
12	11.2551	10.5753	9.9540	9.3851	8.8633	8.3838	7.9427	7.5361	7.1607	6.8137	6.4924	6.1944	5.9176	5.6603	5.4206	5.1971	4.7932	4.4392
13	12.1337	11.3484	10.6350	9.9856	9.3936	8.8527	8.3577	7.9038	7.4869	7.1034	6.7499	6.4235	6.1218	5.8424	5.5831	5.3423	4.9095	4.5327
14	13.0037	12.1062	11.2961	10.5631	9.8986	9.2950	8.7455	8.2442	7.7862	7.3667	6.9819	6.6282	6.3025	6.0021	5.7245	5.4675	5.0081	4.6106
15	13.8651	12.8493	11.9379	11.1184	10.3797	9.7122	9.1079	8.5595	8.0607	7.6061	7.1909	6.8109	6.4624	6.1422	5.8474	5.5755	5.0916	4.6755
16	14.7179	13.5777	12.5611	11.6523	10.8378	10.1059	9.4466	8.8514	8.3126	7.8237	7.3792	6.9740	6.6039	6.2651	5.9542	5.6685	5.1624	4.7296
17	15.5623	14.2919	13.1661	12.1657	11.2741	10.4773	9.7632	9.1216	8.5436	8.0216	7.5488	7.1196	6.7291	6.3729	6.0472	5.7487	5.2223	4.7746
18	16.3983	14.9920	13.7535	12.6593	11.6896	10.8276	10.0591	9.3719	8.7556	8.2014	7.7016	7.2497	6.8399	6.4674	6.1280	5.8178	5.2732	4.8122
19	17.2260	15.6785	14.3238	13.1339	12.0853	11.1581	10.3356	9.6036	8.9501	8.3649	7.8393	7.3658	6.9380	6.5504	6.1982	5.8775	5.3162	4.8435
20	18.0456	16.3514	14.8775	13.5903	12.4622	11.4699	10.5940	9.8181	9.1285	8.5136	7.9633	7.4694	7.0248	6.6231	6.2593	5.9288	5.3527	4.8696
21	18.8570	17.0112	15.4150	14.0292	12.8212	11.7641	10.8355	10.0168	9.2922	8.6487	8.0751	7.5620	7.1016	6.6870	6.3125	5.9731	5.3837	4.8913
22	19.6604	17.6580	15.9369	14.4511	13.1630	12.0416	11.0612	10.2007	9.4424	8.7715	8.1757	7.6446	7.1695	6.7429	6.3587	6.0113	5.4099	4.9094
23	20.4558	18.2922	16.4436	14.8568	13.4886	12.3034	11.2722	10.3711	9.5802	8.8832	8.2664	7.7184	7.2297	6.7921	6.3988	6.0442	5.4321	4.9245
24	21.2434	18.9139	16.9355	15.2470	13.7986	12.5504	11.4693	10.5288	9.7066	8.9847	8.3481	7.7843	7.2829	6.8351	6.4338	6.0726	5.4509	4.9371
25	22.0232	19.5235	17.4131	15.6221	14.0939	12.7834	11.6536	10.6748	9.8226	9.0770	8.4217	7.8431	7.3300	6.8729	6.4641	6.0971	5.4669	4.9476
26	22.7952	20.1210	17.8768	15.9828	14.3752	13.0032	11.8258	10.8100	9.9290	9.1609	8.4881	7.8957	7.3717	6.9061	6.4906	6.1182	5.4804	4.9563
27	23.5596	20.7069	18.3270	16.3296	14.6430	13.2105	11.9867	10.9352	10.0266	9.2372	8.5478	7.9426	7.4086	6.9352	6.5135	6.1364	5.4919	4.9636
28	24.3164	21.2813	18.7641	16.6631	14.8981	13.4062	12.1371	11.0511	10.1161	9.3066	8.6016	7.9844	7.4412	6.9607	6.5335	6.1520	5.5016	4.9697
29	25.0658	21.8444	19.1885	16.9837	15.1411	13.5907	12.2777	11.1584	10.1983	9.3696	8.6501	8.0218	7.4701	6.9830	6.5509	6.1656	5.5098	4.9747
30	25.8077	22.3965	19.6004	17.2920	15.3725	13.7648	12.4090	11.2578	10.2737	9.4269	8.6938	8.0552	7.4957	7.0027	6.5660	6.1772	5.5168	4.9789
31	26.5423	22.9377	20.0004	17.5885	15.5928	13.9291	12.5318	11.3498	10.3428	9.4790	8.7331	8.0850	7.5183	7.0199	6.5791	6.1872	5.5227	4.9824
32	27.2696	23.4683	20.3888	17.8736	15.8027	14.0840	12.6466	11.4350	10.4062	9.5264	8.7686	8.1116	7.5383	7.0350	6.5905	6.1959	5.5277	4.9854
33	27.9897	23.9886	20.7658	18.1476	16.0025	14.2302	12.7538	11.5139	10.4644	9.5694	8.8005	8.1354	7.5560	7.0482	6.6005	6.2034	5.5320	4.9878
34	28.7027	24.4986	21.1318	18.4112	16.1929	14.3681	12.8540	11.5869	10.5178	9.6086	8.8293	8.1566	7.5717	7.0599	6.6091	6.2098	5.5356	4.9898
35	29.4086	24.9986	21.4872	18.6646	16.3742	14.4982	12.9477	11.6546	10.5668	9.6442	8.8552	8.1755	7.5856	7.0700	6.6166	6.2153	5.5386	4.9915
36	30.1075	25.4888	21.8323	18.9083	16.5469	14.6210	13.0352	11.7172	10.6118	9.6765	8.8786	8.1924	7.5979	7.0790	6.6231	6.2201	5.5412	4.9929
37	30.7995	25.9695	22.1672	19.1426	16.7113	14.7368	13.1170	11.7752	10.6530	9.7059	8.8996	8.2075	7.6087	7.0868	6.6288	6.2242	5.5434	4.9941
38	31.4847	26.4406	22.4925	19.3679	16.8679	14.8460	13.1935	11.8289	10.6908	9.7327	8.9186	8.2210	7.6183	7.0937	6.6338	6.2278	5.5452	4.9951
39	32.1630	26.9026	22.8082	19.5845	17.0170	14.9491	13.2649	11.8786	10.7255	9.7570	8.9357	8.2330	7.6268	7.0997	6.6380	6.2309	5.5468	4.9959
40	32.8347	27.3555	23.1148	19.7928	17.1591	15.0463	13.3317	11.9246	10.7574	9.7791	8.9511	8.2438	7.6344	7.1050	6.6418	6.2335	5.5482	4.9966
45	36.0945	29.4902	24.5187	20.7200	17.7741	15.4558	13.6055	12.1084	10.8812	9.8628	9.0079	8.2825	7.6609	7.1232	6.6543	6.2421	5.5523	4.9986
50	39.1961	31.4236	25.7298	21.4822	18.2559	15.7619	13.8007	12.2335	10.9617	9.9148	9.0417	8.3045	7.6752	7.1327	6.6605	6.2463	5.5541	4.9995

Present value of an annuity due of $1

Factor[1 − (1 + i)^−n] ÷ i × (1 + i)

The same payments made at the start of each period, as with rent paid in advance. i is the rate per period; n is the number of periods.

Present value of an annuity due of $1, 4 decimal places. Multiply by the cash amount to get its value.
n	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	18%	20%
1	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000
2	1.9901	1.9804	1.9709	1.9615	1.9524	1.9434	1.9346	1.9259	1.9174	1.9091	1.9009	1.8929	1.8850	1.8772	1.8696	1.8621	1.8475	1.8333
3	2.9704	2.9416	2.9135	2.8861	2.8594	2.8334	2.8080	2.7833	2.7591	2.7355	2.7125	2.6901	2.6681	2.6467	2.6257	2.6052	2.5656	2.5278
4	3.9410	3.8839	3.8286	3.7751	3.7232	3.6730	3.6243	3.5771	3.5313	3.4869	3.4437	3.4018	3.3612	3.3216	3.2832	3.2459	3.1743	3.1065
5	4.9020	4.8077	4.7171	4.6299	4.5460	4.4651	4.3872	4.3121	4.2397	4.1699	4.1024	4.0373	3.9745	3.9137	3.8550	3.7982	3.6901	3.5887
6	5.8534	5.7135	5.5797	5.4518	5.3295	5.2124	5.1002	4.9927	4.8897	4.7908	4.6959	4.6048	4.5172	4.4331	4.3522	4.2743	4.1272	3.9906
7	6.7955	6.6014	6.4172	6.2421	6.0757	5.9173	5.7665	5.6229	5.4859	5.3553	5.2305	5.1114	4.9975	4.8887	4.7845	4.6847	4.4976	4.3255
8	7.7282	7.4720	7.2303	7.0021	6.7864	6.5824	6.3893	6.2064	6.0330	5.8684	5.7122	5.5638	5.4226	5.2883	5.1604	5.0386	4.8115	4.6046
9	8.6517	8.3255	8.0197	7.7327	7.4632	7.2098	6.9713	6.7466	6.5348	6.3349	6.1461	5.9676	5.7988	5.6389	5.4873	5.3436	5.0776	4.8372
10	9.5660	9.1622	8.7861	8.4353	8.1078	7.8017	7.5152	7.2469	6.9952	6.7590	6.5370	6.3282	6.1317	5.9464	5.7716	5.6065	5.3030	5.0310
11	10.4713	9.9826	9.5302	9.1109	8.7217	8.3601	8.0236	7.7101	7.4177	7.1446	6.8892	6.6502	6.4262	6.2161	6.0188	5.8332	5.4941	5.1925
12	11.3676	10.7868	10.2526	9.7605	9.3064	8.8869	8.4987	8.1390	7.8052	7.4951	7.2065	6.9377	6.6869	6.4527	6.2337	6.0286	5.6560	5.3271
13	12.2551	11.5753	10.9540	10.3851	9.8633	9.3838	8.9427	8.5361	8.1607	7.8137	7.4924	7.1944	6.9176	6.6603	6.4206	6.1971	5.7932	5.4392
14	13.1337	12.3484	11.6350	10.9856	10.3936	9.8527	9.3577	8.9038	8.4869	8.1034	7.7499	7.4235	7.1218	6.8424	6.5831	6.3423	5.9095	5.5327
15	14.0037	13.1062	12.2961	11.5631	10.8986	10.2950	9.7455	9.2442	8.7862	8.3667	7.9819	7.6282	7.3025	7.0021	6.7245	6.4675	6.0081	5.6106
16	14.8651	13.8493	12.9379	12.1184	11.3797	10.7122	10.1079	9.5595	9.0607	8.6061	8.1909	7.8109	7.4624	7.1422	6.8474	6.5755	6.0916	5.6755
17	15.7179	14.5777	13.5611	12.6523	11.8378	11.1059	10.4466	9.8514	9.3126	8.8237	8.3792	7.9740	7.6039	7.2651	6.9542	6.6685	6.1624	5.7296
18	16.5623	15.2919	14.1661	13.1657	12.2741	11.4773	10.7632	10.1216	9.5436	9.0216	8.5488	8.1196	7.7291	7.3729	7.0472	6.7487	6.2223	5.7746
19	17.3983	15.9920	14.7535	13.6593	12.6896	11.8276	11.0591	10.3719	9.7556	9.2014	8.7016	8.2497	7.8399	7.4674	7.1280	6.8178	6.2732	5.8122
20	18.2260	16.6785	15.3238	14.1339	13.0853	12.1581	11.3356	10.6036	9.9501	9.3649	8.8393	8.3658	7.9380	7.5504	7.1982	6.8775	6.3162	5.8435
21	19.0456	17.3514	15.8775	14.5903	13.4622	12.4699	11.5940	10.8181	10.1285	9.5136	8.9633	8.4694	8.0248	7.6231	7.2593	6.9288	6.3527	5.8696
22	19.8570	18.0112	16.4150	15.0292	13.8212	12.7641	11.8355	11.0168	10.2922	9.6487	9.0751	8.5620	8.1016	7.6870	7.3125	6.9731	6.3837	5.8913
23	20.6604	18.6580	16.9369	15.4511	14.1630	13.0416	12.0612	11.2007	10.4424	9.7715	9.1757	8.6446	8.1695	7.7429	7.3587	7.0113	6.4099	5.9094
24	21.4558	19.2922	17.4436	15.8568	14.4886	13.3034	12.2722	11.3711	10.5802	9.8832	9.2664	8.7184	8.2297	7.7921	7.3988	7.0442	6.4321	5.9245
25	22.2434	19.9139	17.9355	16.2470	14.7986	13.5504	12.4693	11.5288	10.7066	9.9847	9.3481	8.7843	8.2829	7.8351	7.4338	7.0726	6.4509	5.9371
26	23.0232	20.5235	18.4131	16.6221	15.0939	13.7834	12.6536	11.6748	10.8226	10.0770	9.4217	8.8431	8.3300	7.8729	7.4641	7.0971	6.4669	5.9476
27	23.7952	21.1210	18.8768	16.9828	15.3752	14.0032	12.8258	11.8100	10.9290	10.1609	9.4881	8.8957	8.3717	7.9061	7.4906	7.1182	6.4804	5.9563
28	24.5596	21.7069	19.3270	17.3296	15.6430	14.2105	12.9867	11.9352	11.0266	10.2372	9.5478	8.9426	8.4086	7.9352	7.5135	7.1364	6.4919	5.9636
29	25.3164	22.2813	19.7641	17.6631	15.8981	14.4062	13.1371	12.0511	11.1161	10.3066	9.6016	8.9844	8.4412	7.9607	7.5335	7.1520	6.5016	5.9697
30	26.0658	22.8444	20.1885	17.9837	16.1411	14.5907	13.2777	12.1584	11.1983	10.3696	9.6501	9.0218	8.4701	7.9830	7.5509	7.1656	6.5098	5.9747
31	26.8077	23.3965	20.6004	18.2920	16.3725	14.7648	13.4090	12.2578	11.2737	10.4269	9.6938	9.0552	8.4957	8.0027	7.5660	7.1772	6.5168	5.9789
32	27.5423	23.9377	21.0004	18.5885	16.5928	14.9291	13.5318	12.3498	11.3428	10.4790	9.7331	9.0850	8.5183	8.0199	7.5791	7.1872	6.5227	5.9824
33	28.2696	24.4683	21.3888	18.8736	16.8027	15.0840	13.6466	12.4350	11.4062	10.5264	9.7686	9.1116	8.5383	8.0350	7.5905	7.1959	6.5277	5.9854
34	28.9897	24.9886	21.7658	19.1476	17.0025	15.2302	13.7538	12.5139	11.4644	10.5694	9.8005	9.1354	8.5560	8.0482	7.6005	7.2034	6.5320	5.9878
35	29.7027	25.4986	22.1318	19.4112	17.1929	15.3681	13.8540	12.5869	11.5178	10.6086	9.8293	9.1566	8.5717	8.0599	7.6091	7.2098	6.5356	5.9898
36	30.4086	25.9986	22.4872	19.6646	17.3742	15.4982	13.9477	12.6546	11.5668	10.6442	9.8552	9.1755	8.5856	8.0700	7.6166	7.2153	6.5386	5.9915
37	31.1075	26.4888	22.8323	19.9083	17.5469	15.6210	14.0352	12.7172	11.6118	10.6765	9.8786	9.1924	8.5979	8.0790	7.6231	7.2201	6.5412	5.9929
38	31.7995	26.9695	23.1672	20.1426	17.7113	15.7368	14.1170	12.7752	11.6530	10.7059	9.8996	9.2075	8.6087	8.0868	7.6288	7.2242	6.5434	5.9941
39	32.4847	27.4406	23.4925	20.3679	17.8679	15.8460	14.1935	12.8289	11.6908	10.7327	9.9186	9.2210	8.6183	8.0937	7.6338	7.2278	6.5452	5.9951
40	33.1630	27.9026	23.8082	20.5845	18.0170	15.9491	14.2649	12.8786	11.7255	10.7570	9.9357	9.2330	8.6268	8.0997	7.6380	7.2309	6.5468	5.9959
45	36.4555	30.0800	25.2543	21.5488	18.6628	16.3832	14.5579	13.0771	11.8605	10.8491	9.9988	9.2764	8.6568	8.1205	7.6524	7.2409	6.5517	5.9984
50	39.5881	32.0521	26.5017	22.3415	19.1687	16.7076	14.7668	13.2122	11.9482	10.9063	10.0362	9.3010	8.6730	8.1312	7.6596	7.2457	6.5539	5.9993

Future value of $1

Factor(1 + i)^n

What $1 invested today grows to after n periods. i is the rate per period; n is the number of periods.

Future value of $1, 4 decimal places. Multiply by the cash amount to get its value.
n	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	18%	20%
1	1.0100	1.0200	1.0300	1.0400	1.0500	1.0600	1.0700	1.0800	1.0900	1.1000	1.1100	1.1200	1.1300	1.1400	1.1500	1.1600	1.1800	1.2000
2	1.0201	1.0404	1.0609	1.0816	1.1025	1.1236	1.1449	1.1664	1.1881	1.2100	1.2321	1.2544	1.2769	1.2996	1.3225	1.3456	1.3924	1.4400
3	1.0303	1.0612	1.0927	1.1249	1.1576	1.1910	1.2250	1.2597	1.2950	1.3310	1.3676	1.4049	1.4429	1.4815	1.5209	1.5609	1.6430	1.7280
4	1.0406	1.0824	1.1255	1.1699	1.2155	1.2625	1.3108	1.3605	1.4116	1.4641	1.5181	1.5735	1.6305	1.6890	1.7490	1.8106	1.9388	2.0736
5	1.0510	1.1041	1.1593	1.2167	1.2763	1.3382	1.4026	1.4693	1.5386	1.6105	1.6851	1.7623	1.8424	1.9254	2.0114	2.1003	2.2878	2.4883
6	1.0615	1.1262	1.1941	1.2653	1.3401	1.4185	1.5007	1.5869	1.6771	1.7716	1.8704	1.9738	2.0820	2.1950	2.3131	2.4364	2.6996	2.9860
7	1.0721	1.1487	1.2299	1.3159	1.4071	1.5036	1.6058	1.7138	1.8280	1.9487	2.0762	2.2107	2.3526	2.5023	2.6600	2.8262	3.1855	3.5832
8	1.0829	1.1717	1.2668	1.3686	1.4775	1.5938	1.7182	1.8509	1.9926	2.1436	2.3045	2.4760	2.6584	2.8526	3.0590	3.2784	3.7589	4.2998
9	1.0937	1.1951	1.3048	1.4233	1.5513	1.6895	1.8385	1.9990	2.1719	2.3579	2.5580	2.7731	3.0040	3.2519	3.5179	3.8030	4.4355	5.1598
10	1.1046	1.2190	1.3439	1.4802	1.6289	1.7908	1.9672	2.1589	2.3674	2.5937	2.8394	3.1058	3.3946	3.7072	4.0456	4.4114	5.2338	6.1917
11	1.1157	1.2434	1.3842	1.5395	1.7103	1.8983	2.1049	2.3316	2.5804	2.8531	3.1518	3.4785	3.8359	4.2262	4.6524	5.1173	6.1759	7.4301
12	1.1268	1.2682	1.4258	1.6010	1.7959	2.0122	2.2522	2.5182	2.8127	3.1384	3.4985	3.8960	4.3345	4.8179	5.3503	5.9360	7.2876	8.9161
13	1.1381	1.2936	1.4685	1.6651	1.8856	2.1329	2.4098	2.7196	3.0658	3.4523	3.8833	4.3635	4.8980	5.4924	6.1528	6.8858	8.5994	10.6993
14	1.1495	1.3195	1.5126	1.7317	1.9799	2.2609	2.5785	2.9372	3.3417	3.7975	4.3104	4.8871	5.5348	6.2613	7.0757	7.9875	10.1472	12.8392
15	1.1610	1.3459	1.5580	1.8009	2.0789	2.3966	2.7590	3.1722	3.6425	4.1772	4.7846	5.4736	6.2543	7.1379	8.1371	9.2655	11.9737	15.4070
16	1.1726	1.3728	1.6047	1.8730	2.1829	2.5404	2.9522	3.4259	3.9703	4.5950	5.3109	6.1304	7.0673	8.1372	9.3576	10.7480	14.1290	18.4884
17	1.1843	1.4002	1.6528	1.9479	2.2920	2.6928	3.1588	3.7000	4.3276	5.0545	5.8951	6.8660	7.9861	9.2765	10.7613	12.4677	16.6722	22.1861
18	1.1961	1.4282	1.7024	2.0258	2.4066	2.8543	3.3799	3.9960	4.7171	5.5599	6.5436	7.6900	9.0243	10.5752	12.3755	14.4625	19.6733	26.6233
19	1.2081	1.4568	1.7535	2.1068	2.5270	3.0256	3.6165	4.3157	5.1417	6.1159	7.2633	8.6128	10.1974	12.0557	14.2318	16.7765	23.2144	31.9480
20	1.2202	1.4859	1.8061	2.1911	2.6533	3.2071	3.8697	4.6610	5.6044	6.7275	8.0623	9.6463	11.5231	13.7435	16.3665	19.4608	27.3930	38.3376
21	1.2324	1.5157	1.8603	2.2788	2.7860	3.3996	4.1406	5.0338	6.1088	7.4002	8.9492	10.8038	13.0211	15.6676	18.8215	22.5745	32.3238	46.0051
22	1.2447	1.5460	1.9161	2.3699	2.9253	3.6035	4.4304	5.4365	6.6586	8.1403	9.9336	12.1003	14.7138	17.8610	21.6447	26.1864	38.1421	55.2061
23	1.2572	1.5769	1.9736	2.4647	3.0715	3.8197	4.7405	5.8715	7.2579	8.9543	11.0263	13.5523	16.6266	20.3616	24.8915	30.3762	45.0076	66.2474
24	1.2697	1.6084	2.0328	2.5633	3.2251	4.0489	5.0724	6.3412	7.9111	9.8497	12.2392	15.1786	18.7881	23.2122	28.6252	35.2364	53.1090	79.4968
25	1.2824	1.6406	2.0938	2.6658	3.3864	4.2919	5.4274	6.8485	8.6231	10.8347	13.5855	17.0001	21.2305	26.4619	32.9190	40.8742	62.6686	95.3962
26	1.2953	1.6734	2.1566	2.7725	3.5557	4.5494	5.8074	7.3964	9.3992	11.9182	15.0799	19.0401	23.9905	30.1666	37.8568	47.4141	73.9490	114.4755
27	1.3082	1.7069	2.2213	2.8834	3.7335	4.8223	6.2139	7.9881	10.2451	13.1100	16.7386	21.3249	27.1093	34.3899	43.5353	55.0004	87.2598	137.3706
28	1.3213	1.7410	2.2879	2.9987	3.9201	5.1117	6.6488	8.6271	11.1671	14.4210	18.5799	23.8839	30.6335	39.2045	50.0656	63.8004	102.9666	164.8447
29	1.3345	1.7758	2.3566	3.1187	4.1161	5.4184	7.1143	9.3173	12.1722	15.8631	20.6237	26.7499	34.6158	44.6931	57.5755	74.0085	121.5005	197.8136
30	1.3478	1.8114	2.4273	3.2434	4.3219	5.7435	7.6123	10.0627	13.2677	17.4494	22.8923	29.9599	39.1159	50.9502	66.2118	85.8499	143.3706	237.3763
31	1.3613	1.8476	2.5001	3.3731	4.5380	6.0881	8.1451	10.8677	14.4618	19.1943	25.4104	33.5551	44.2010	58.0832	76.1435	99.5859	169.1774	284.8516
32	1.3749	1.8845	2.5751	3.5081	4.7649	6.4534	8.7153	11.7371	15.7633	21.1138	28.2056	37.5817	49.9471	66.2148	87.5651	115.5196	199.6293	341.8219
33	1.3887	1.9222	2.6523	3.6484	5.0032	6.8406	9.3253	12.6760	17.1820	23.2252	31.3082	42.0915	56.4402	75.4849	100.6998	134.0027	235.5625	410.1863
34	1.4026	1.9607	2.7319	3.7943	5.2533	7.2510	9.9781	13.6901	18.7284	25.5477	34.7521	47.1425	63.7774	86.0528	115.8048	155.4432	277.9638	492.2235
35	1.4166	1.9999	2.8139	3.9461	5.5160	7.6861	10.6766	14.7853	20.4140	28.1024	38.5749	52.7996	72.0685	98.1002	133.1755	180.3141	327.9973	590.6682
36	1.4308	2.0399	2.8983	4.1039	5.7918	8.1473	11.4239	15.9682	22.2512	30.9127	42.8181	59.1356	81.4374	111.8342	153.1519	209.1643	387.0368	708.8019
37	1.4451	2.0807	2.9852	4.2681	6.0814	8.6361	12.2236	17.2456	24.2538	34.0039	47.5281	66.2318	92.0243	127.4910	176.1246	242.6306	456.7034	850.5622
38	1.4595	2.1223	3.0748	4.4388	6.3855	9.1543	13.0793	18.6253	26.4367	37.4043	52.7562	74.1797	103.9874	145.3397	202.5433	281.4515	538.9100	1020.6747
39	1.4741	2.1647	3.1670	4.6164	6.7048	9.7035	13.9948	20.1153	28.8160	41.1448	58.5593	83.0812	117.5058	165.6873	232.9248	326.4838	635.9139	1224.8096
40	1.4889	2.2080	3.2620	4.8010	7.0400	10.2857	14.9745	21.7245	31.4094	45.2593	65.0009	93.0510	132.7816	188.8835	267.8635	378.7212	750.3783	1469.7716
45	1.5648	2.4379	3.7816	5.8412	8.9850	13.7646	21.0025	31.9204	48.3273	72.8905	109.5302	163.9876	244.6414	363.6791	538.7693	795.4438	1716.6839	3657.2620
50	1.6446	2.6916	4.3839	7.1067	11.4674	18.4202	29.4570	46.9016	74.3575	117.3909	184.5648	289.0022	450.7359	700.2330	1083.6574	1670.7038	3927.3569	9100.4382

Future value of an ordinary annuity of $1

Factor[(1 + i)^n − 1] ÷ i

What $1 deposited at the end of each period grows to after n periods. i is the rate per period; n is the number of periods.

Future value of an ordinary annuity of $1, 4 decimal places. Multiply by the cash amount to get its value.
n	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	18%	20%
1	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000
2	2.0100	2.0200	2.0300	2.0400	2.0500	2.0600	2.0700	2.0800	2.0900	2.1000	2.1100	2.1200	2.1300	2.1400	2.1500	2.1600	2.1800	2.2000
3	3.0301	3.0604	3.0909	3.1216	3.1525	3.1836	3.2149	3.2464	3.2781	3.3100	3.3421	3.3744	3.4069	3.4396	3.4725	3.5056	3.5724	3.6400
4	4.0604	4.1216	4.1836	4.2465	4.3101	4.3746	4.4399	4.5061	4.5731	4.6410	4.7097	4.7793	4.8498	4.9211	4.9934	5.0665	5.2154	5.3680
5	5.1010	5.2040	5.3091	5.4163	5.5256	5.6371	5.7507	5.8666	5.9847	6.1051	6.2278	6.3528	6.4803	6.6101	6.7424	6.8771	7.1542	7.4416
6	6.1520	6.3081	6.4684	6.6330	6.8019	6.9753	7.1533	7.3359	7.5233	7.7156	7.9129	8.1152	8.3227	8.5355	8.7537	8.9775	9.4420	9.9299
7	7.2135	7.4343	7.6625	7.8983	8.1420	8.3938	8.6540	8.9228	9.2004	9.4872	9.7833	10.0890	10.4047	10.7305	11.0668	11.4139	12.1415	12.9159
8	8.2857	8.5830	8.8923	9.2142	9.5491	9.8975	10.2598	10.6366	11.0285	11.4359	11.8594	12.2997	12.7573	13.2328	13.7268	14.2401	15.3270	16.4991
9	9.3685	9.7546	10.1591	10.5828	11.0266	11.4913	11.9780	12.4876	13.0210	13.5795	14.1640	14.7757	15.4157	16.0853	16.7858	17.5185	19.0859	20.7989
10	10.4622	10.9497	11.4639	12.0061	12.5779	13.1808	13.8164	14.4866	15.1929	15.9374	16.7220	17.5487	18.4197	19.3373	20.3037	21.3215	23.5213	25.9587
11	11.5668	12.1687	12.8078	13.4864	14.2068	14.9716	15.7836	16.6455	17.5603	18.5312	19.5614	20.6546	21.8143	23.0445	24.3493	25.7329	28.7551	32.1504
12	12.6825	13.4121	14.1920	15.0258	15.9171	16.8699	17.8885	18.9771	20.1407	21.3843	22.7132	24.1331	25.6502	27.2707	29.0017	30.8502	34.9311	39.5805
13	13.8093	14.6803	15.6178	16.6268	17.7130	18.8821	20.1406	21.4953	22.9534	24.5227	26.2116	28.0291	29.9847	32.0887	34.3519	36.7862	42.2187	48.4966
14	14.9474	15.9739	17.0863	18.2919	19.5986	21.0151	22.5505	24.2149	26.0192	27.9750	30.0949	32.3926	34.8827	37.5811	40.5047	43.6720	50.8180	59.1959
15	16.0969	17.2934	18.5989	20.0236	21.5786	23.2760	25.1290	27.1521	29.3609	31.7725	34.4054	37.2797	40.4175	43.8424	47.5804	51.6595	60.9653	72.0351
16	17.2579	18.6393	20.1569	21.8245	23.6575	25.6725	27.8881	30.3243	33.0034	35.9497	39.1899	42.7533	46.6717	50.9804	55.7175	60.9250	72.9390	87.4421
17	18.4304	20.0121	21.7616	23.6975	25.8404	28.2129	30.8402	33.7502	36.9737	40.5447	44.5008	48.8837	53.7391	59.1176	65.0751	71.6730	87.0680	105.9306
18	19.6147	21.4123	23.4144	25.6454	28.1324	30.9057	33.9990	37.4502	41.3013	45.5992	50.3959	55.7497	61.7251	68.3941	75.8364	84.1407	103.7403	128.1167
19	20.8109	22.8406	25.1169	27.6712	30.5390	33.7600	37.3790	41.4463	46.0185	51.1591	56.9395	63.4397	70.7494	78.9692	88.2118	98.6032	123.4135	154.7400
20	22.0190	24.2974	26.8704	29.7781	33.0660	36.7856	40.9955	45.7620	51.1601	57.2750	64.2028	72.0524	80.9468	91.0249	102.4436	115.3797	146.6280	186.6880
21	23.2392	25.7833	28.6765	31.9692	35.7193	39.9927	44.8652	50.4229	56.7645	64.0025	72.2651	81.6987	92.4699	104.7684	118.8101	134.8405	174.0210	225.0256
22	24.4716	27.2990	30.5368	34.2480	38.5052	43.3923	49.0057	55.4568	62.8733	71.4027	81.2143	92.5026	105.4910	120.4360	137.6316	157.4150	206.3448	271.0307
23	25.7163	28.8450	32.4529	36.6179	41.4305	46.9958	53.4361	60.8933	69.5319	79.5430	91.1479	104.6029	120.2048	138.2970	159.2764	183.6014	244.4868	326.2369
24	26.9735	30.4219	34.4265	39.0826	44.5020	50.8156	58.1767	66.7648	76.7898	88.4973	102.1742	118.1552	136.8315	158.6586	184.1678	213.9776	289.4945	392.4842
25	28.2432	32.0303	36.4593	41.6459	47.7271	54.8645	63.2490	73.1059	84.7009	98.3471	114.4133	133.3339	155.6196	181.8708	212.7930	249.2140	342.6035	471.9811
26	29.5256	33.6709	38.5530	44.3117	51.1135	59.1564	68.6765	79.9544	93.3240	109.1818	127.9988	150.3339	176.8501	208.3327	245.7120	290.0883	405.2721	567.3773
27	30.8209	35.3443	40.7096	47.0842	54.6691	63.7058	74.4838	87.3508	102.7231	121.0999	143.0786	169.3740	200.8406	238.4993	283.5688	337.5024	479.2211	681.8528
28	32.1291	37.0512	42.9309	49.9676	58.4026	68.5281	80.6977	95.3388	112.9682	134.2099	159.8173	190.6989	227.9499	272.8892	327.1041	392.5028	566.4809	819.2233
29	33.4504	38.7922	45.2189	52.9663	62.3227	73.6398	87.3465	103.9659	124.1354	148.6309	178.3972	214.5828	258.5834	312.0937	377.1697	456.3032	669.4475	984.0680
30	34.7849	40.5681	47.5754	56.0849	66.4388	79.0582	94.4608	113.2832	136.3075	164.4940	199.0209	241.3327	293.1992	356.7868	434.7451	530.3117	790.9480	1181.8816
31	36.1327	42.3794	50.0027	59.3283	70.7608	84.8017	102.0730	123.3459	149.5752	181.9434	221.9132	271.2926	332.3151	407.7370	500.9569	616.1616	934.3186	1419.2579
32	37.4941	44.2270	52.5028	62.7015	75.2988	90.8898	110.2182	134.2135	164.0370	201.1378	247.3236	304.8477	376.5161	465.8202	577.1005	715.7475	1103.4960	1704.1095
33	38.8690	46.1116	55.0778	66.2095	80.0638	97.3432	118.9334	145.9506	179.8003	222.2515	275.5292	342.4294	426.4632	532.0350	664.6655	831.2671	1303.1253	2045.9314
34	40.2577	48.0338	57.7302	69.8579	85.0670	104.1838	128.2588	158.6267	196.9823	245.4767	306.8374	384.5210	482.9034	607.5199	765.3654	965.2698	1538.6878	2456.1176
35	41.6603	49.9945	60.4621	73.6522	90.3203	111.4348	138.2369	172.3168	215.7108	271.0244	341.5896	431.6635	546.6808	693.5727	881.1702	1120.7130	1816.6516	2948.3411
36	43.0769	51.9944	63.2759	77.5983	95.8363	119.1209	148.9135	187.1021	236.1247	299.1268	380.1644	484.4631	618.7493	791.6729	1014.3457	1301.0270	2144.6489	3539.0094
37	44.5076	54.0343	66.1742	81.7022	101.6281	127.2681	160.3374	203.0703	258.3759	330.0395	422.9825	543.5987	700.1867	903.5071	1167.4975	1510.1914	2531.6857	4247.8112
38	45.9527	56.1149	69.1594	85.9703	107.7095	135.9042	172.5610	220.3159	282.6298	364.0434	470.5106	609.8305	792.2110	1030.9981	1343.6222	1752.8220	2988.3891	5098.3735
39	47.4123	58.2372	72.2342	90.4091	114.0950	145.0585	185.6403	238.9412	309.0665	401.4478	523.2667	684.0102	896.1984	1176.3378	1546.1655	2034.2735	3527.2992	6119.0482
40	48.8864	60.4020	75.4013	95.0255	120.7998	154.7620	199.6351	259.0565	337.8824	442.5926	581.8261	767.0914	1013.7042	1342.0251	1779.0903	2360.7572	4163.2130	7343.8578
45	56.4811	71.8927	92.7199	121.0294	159.7002	212.7435	285.7493	386.5056	525.8587	718.9048	986.6386	1358.2300	1874.1646	2590.5648	3585.1285	4965.2739	9531.5771	18281.3099
50	64.4632	84.5794	112.7969	152.6671	209.3480	290.3359	406.5289	573.7702	815.0836	1163.9085	1668.7712	2400.0182	3459.5071	4994.5213	7217.7163	10435.6488	21813.0937	45497.1908