Life Expectancies for All Races and Both Sexes

Life Expectancies for All Races and Both Sexes
Age Expectancy Age Expectancy 0-1 77.2 55-56 26.0
1-2 76.7 56-57 25.1
2-3 75.5 57-58 24.3
3-4 74.8 58-59 23.5
4-5 73.8 59-60 22.7
5-6 72.8 60-61 21.9
6-7 71.8 61-62 21.1
7-8 70.8 62-63 20.3
8-9 69.8 63-64 19.6 9-10 68.8 64-65 18.8 10-11 67.9 65-66 18.1 11-12 66.9 66-67 17.4 12-13 65.9 67-68 16.7 13-14 64.9 68-69 16.0 14-15 63.9 69-70 15.3 15-16 62.9 70-71 14.6 16-17 61.9 71-72 14.0 17-18 61.0 72-73 13.3 18-19 60.0 73-74 12.7 19-20 59.1 74-75 12.1 20-21 58.1 75-76 11.5 21-22 57.2 76-77 10.9 22-23 56.2 77-78 10.3 23-24 55.3 78-79 9.80 24-25 54.3 79-80 9.30 25-26 53.4 80-81 8.80 26-27 52.4 81-82 8.30 27-28 51.5 82-83 7.80 28-29 50.5 83-84 7.30 29-30 49.6 84-85 6.90 30-31 48.6 85-86 6.50 31-32 47.7 86-87 6.10 32-33 46.7 87-88 5.80 33-34 45.8 88-89 5.40 34-35 44.8 89-90 5.10 35-36 43.9 90-91 4.80 36-37 43.0 91-92 4.50 37-38 42.0 92-93 4.30 38-39 41.1 93-94 4.00 39-40 40.2 94-95 3.80 40-41 39.2 95-96 3.60 41-42 38.3 96-97 3.40 42-43 37.4 97-98 3.20 43-44 36.5 98-99 3.00 44-45 35.6 99-100 2.80
45-46 34.7 100+ 2.70 46-47 33.8

N 0.75%

1. 1  0.993
   
2. 2  1.978
   
3. 3  2.956
   
4. 4  3.926
   
5. 5  4.889
   
6. 6  5.846
   
7. 7  6.795
   
8. 8  7.737
   
9. 9  8.672
   
10. 10  9.600
    
11. 11  10.521
    
12. 12  11.435
    
13. 13  12.342
    
14. 14  13.243
    
15. 15  14.137
    
16. 16  15.024
    
17. 17  15.905
    
18. 18  16.779
    
19. 19  17.647
    
20. 20  18.508
    
21. 21  19.363
    
22. 22  20.211
    
23. 23  21.053
    
24. 24  21.889
    
25. 25  22.719
    
26. 26  23.542
    
27. 27  24.359
    
28. 28  25.171
    
29. 29  25.976
    
30. 30  26.775
    
31. 31  27.568
    
32. 32  28.356
    
33. 33  29.137
    
34. 34  29.913
    
35. 35  30.683
    
36. 36  31.447
    
37. 37  32.205
    
38. 38  32.958
    
39. 39  33.705
    
40. 40  34.447
    
41. 41  35.183
    
42. 42  35.914
    

1.00% 1.25% 0.990 0.988 1.970 1.963 2.941 2.927 3.902 3.878 4.853 4.818 5.795 5.746 6.728 6.663 7.652 7.568 8.566 8.462 9.471 9.346
10.368 10.218 11.255 11.079 12.134 11.930 13.004 12.771 13.865 13.601 14.718 14.420 15.562 15.230 16.398 16.030 17.226 16.819 18.046 17.599 18.857 18.370 19.660 19.131 20.456 19.882 21.243 20.624 22.023 21.357 22.795 22.081 23.560 22.796 24.316 23.503 25.066 24.200 25.808 24.889 26.542 25.569 27.270 26.241 27.990 26.905 28.703 27.560 29.409 28.208 30.108 28.847 30.800 29.479 31.485 30.103 32.163 30.719 32.835 31.327 33.500 31.928 34.158 32.521

1.50% 0.985 1.956 2.912 3.854 4.783 5.697 6.598 7.486 8.361 9.222
10.071 10.908 11.732 12.543 13.343 14.131 14.908 15.673 16.426 17.169 17.900 18.621 19.331 20.030 20.720 21.399 22.068 22.727 23.376 24.016 24.646 25.267 25.879 26.482 27.076 27.661 28.237 28.805 29.365 29.916 30.459 30.994

1.75% 0.983 1.949 2.898 3.831 4.748 5.649 6.535 7.405 8.260 9.101 9.927
10.740 11.538 12.322 13.093 13.850 14.595 15.327 16.046 16.753 17.448 18.130 18.801 19.461 20.109 20.746 21.372 21.987 22.592 23.186 23.770 24.344 24.908 25.462 26.007 26.543 27.069 27.586 28.095 28.594 29.085 29.568

2.00% 0.980 1.942 2.884 3.808 4.713 5.601 6.472 7.325 8.162 8.983 9.787
10.575 11.348 12.106 12.849 13.578 14.292 14.992 15.678 16.351 17.011 17.658 18.292 18.914 19.523 20.121 20.707 21.281 21.844 22.396 22.938 23.468 23.989 24.499 24.999 25.489 25.969 26.441 26.903 27.355 27.799 28.235

2.50% 0.976 1.927 2.856 3.762 4.646 5.508 6.349 7.170 7.971 8.752 9.514
10.258 10.983 11.691 12.381 13.055 13.712 14.353 14.979 15.589 16.185 16.765 17.332 17.885 18.424 18.951 19.464 19.965 20.454 20.930 21.395 21.849 22.292 22.724 23.145 23.556 23.957 24.349 24.730 25.103 25.466 25.821

3.00% 0.971 1.913 2.829 3.717 4.580 5.417 6.230 7.020 7.786 8.530 9.253 9.954
10.635 11.296 11.938 12.561 13.166 13.754 14.324 14.877 15.415 15.937 16.444 16.936 17.413 17.877 18.327 18.764 19.188 19.600 20.000 20.389 20.766 21.132 21.487 21.832 22.167 22.492 22.808 23.115 23.412 23.701

3.50% 0.966 1.900 2.802 3.673 4.515 5.329 6.115 6.874 7.608 8.317 9.002 9.663
10.303 10.921 11.517 12.094 12.651 13.190 13.710 14.212 14.698 15.167 15.620 16.058 16.482 16.890 17.285 17.667 18.036 18.392 18.736 19.069 19.390 19.701 20.001 20.290 20.571 20.841 21.102 21.355 21.599 21.835

4.00% 0.962 1.886 2.775 3.630 4.452 5.242 6.002 6.733 7.435 8.111 8.760 9.385 9.986
10.563 11.118 11.652 12.166 12.659 13.134 13.590 14.029 14.451 14.857 15.247 15.622 15.983 16.330 16.663 16.984 17.292 17.588 17.874 18.148 18.411 18.665 18.908 19.143 19.368 19.584 19.793 19.993 20.186

47-48 32.9 48-49 32.0 49-50 31.1 50-51 30.3 51-52 29.4 52-53 28.5 53-54 27.7 54-55 26.8
Source: National Vital Statistics Reports, Vol. 52, No. 14, February 18, 2004.

PRESENT VALUE TABLE OF A $1 ANNUITY RECEIVED AT THE END OF EACH TIME FOR THE NUMBER OF TIME PERIODS INDICATED

PERIOD
4.50% 0.957 1.873 2.749 3.588 4.390 5.158 5.893 6.596 7.269 7.913 8.529 9.119 9.683
10.223 10.740 11.234 11.707 12.160 12.593 13.008 13.405 13.784 14.148 14.495 14.828 15.147 15.451 15.743 16.022 16.289 16.544 16.789 17.023 17.247 17.461 17.666 17.862 18.050 18.230 18.402 18.566 18.724

Interest Rate Per Time Period

43 36.639 44 37.359 45 38.073 46 38.782 47 39.486 48 40.185 49 40.878 50 41.566 51 42.250 52 42.928 53 43.601 54 44.269 55 44.932 56 45.590 57 46.243 58 46.891 59 47.535 60 48.173 61 48.807 62 49.437 63 50.061 64 50.681 65 51.296 66 51.907 67 52.513 68 53.115 69 53.712 70 54.305 71 54.893 72 55.477

34.810 35.455 36.095 36.727 37.354 37.974 38.588 39.196 39.798 40.394 40.984 41.569 42.147 42.720 43.287 43.849 44.405 44.955 45.500 46.040 46.574 47.103 47.627 48.145 48.659 49.167 49.670 50.169 50.662 51.150

33.107 33.686 34.258 34.823 35.381 35.931 36.476 37.013 37.544 38.068 38.585 39.097 39.602 40.100 40.593 41.080 41.560 42.035 42.503 42.966 43.423 43.875 44.321 44.761 45.197 45.626 46.051 46.470 46.884 47.292
1.00% 51.634 52.113 52.587 53.056 53.521 53.981 54.437 54.888 55.335 55.777 56.215 56.648 57.078 57.503 57.923 58.340 58.752 59.161 59.565 59.966 60.362 60.754 61.143 61.528 61.909 62.286 62.659

31.521 30.042 32.041 30.508 32.552 30.966 33.056 31.416 33.553 31.859 34.043 32.294 34.525 32.721 35.000 33.141 35.468 33.554 35.929 33.960 36.383 34.358 36.831 34.750 37.271 35.135 37.706 35.514 38.134 35.886 38.556 36.252 38.971 36.611 39.380 36.964 39.784 37.311 40.181 37.652 40.572 37.987 40.958 38.317 41.338 38.641 41.712 38.959 42.081 39.272 42.444 39.579 42.802 39.881 43.155 40.178 43.502 40.470 43.845 40.756
1.25% 1.50% 47.696 44.182 48.095 44.514 48.489 44.842 48.878 45.164 49.262 45.482 49.642 45.795 50.016 46.103 50.387 46.407 50.752 46.707 51.113 47.002 51.470 47.292 51.822 47.579 52.170 47.861 52.514 48.139 52.853 48.412 53.188 48.682 53.519 48.948 53.846 49.210 54.169 49.468 54.488 49.722 54.803 49.972 55.114 50.219 55.421 50.462 55.725 50.702 56.024 50.938 56.320 51.170 56.613 51.399

28.662 26.166 29.080 26.504 29.490 26.833 29.892 27.154 30.287 27.467 30.673 27.773 31.052 28.071 31.424 28.362 31.788 28.646 32.145 28.923 32.495 29.193 32.838 29.457 33.175 29.714 33.505 29.965 33.828 30.210 34.145 30.448 34.456 30.681 34.761 30.909 35.060 31.130 35.353 31.347 35.640 31.558 35.921 31.764 36.197 31.965 36.468 32.161 36.733 32.352 36.994 32.538 37.249 32.720 37.499 32.898 37.744 33.071 37.984 33.240
1.75% 2.00% 41.038 38.220 41.315 38.451 41.587 38.677 41.855 38.899 42.118 39.117 42.376 39.330 42.630 39.539 42.880 39.745 43.125 39.946 43.366 40.143 43.603 40.336 43.836 40.526 44.065 40.711 44.290 40.893 44.511 41.072 44.728 41.247 44.942 41.419 45.152 41.587 45.358 41.752 45.561 41.914 45.760 42.072 45.956 42.228 46.148 42.380 46.337 42.529 46.523 42.676 46.706 42.820 46.885 42.960

23.982 24.254 24.519 24.775 25.025 25.267 25.502 25.730 25.951 26.166 26.375 26.578 26.774 26.965 27.151 27.331 27.506 27.676 27.840 28.000 28.156 28.306 28.453 28.595 28.733 28.867 28.997 29.123 29.246 29.365

22.063 20.371 18.874 22.283 20.549 19.018 22.495 20.720 19.156 22.701 20.885 19.288 22.899 21.043 19.415 23.091 21.195 19.536 23.277 21.341 19.651 23.456 21.482 19.762 23.629 21.617 19.868 23.796 21.748 19.969 23.957 21.873 20.066 24.113 21.993 20.159 24.264 22.109 20.248 24.410 22.220 20.333 24.550 22.327 20.414 24.686 22.430 20.492 24.818 22.528 20.567 24.945 22.623 20.638 25.067 22.715 20.706 25.186 22.803 20.772 25.300 22.887 20.834 25.411 22.969 20.894 25.518 23.047 20.951 25.621 23.122 21.006 25.721 23.194 21.058 25.817 23.264 21.108 25.910 23.330 21.156 26.000 23.395 21.202 26.087 23.456 21.246 26.171 23.516 21.288

N 0.75% 73 56.056 74 56.632 75 57.203 76 57.769 77 58.332 78 58.890 79 59.444 80 59.994 81 60.540 82 61.082 83 61.620 84 62.154 85 62.684 86 63.210 87 63.732 88 64.250 89 64.764 90 65.275 91 65.781 92 66.284 93 66.783 94 67.279 95 67.770 96 68.258 97 68.743 98 69.224 99 69.701

2.50% 3.00% 33.405 29.481 33.566 29.593 33.723 29.702 33.876 29.808 34.025 29.910 34.171 30.010 34.313 30.107 34.452 30.201 34.587 30.292 34.719 30.381 34.848 30.467 34.974 30.550 35.096 30.631 35.216 30.710 35.333 30.786 35.446 30.860 35.557 30.932 35.666 31.002 35.771 31.070 35.875 31.136 35.975 31.200 36.073 31.262 36.169 31.323 36.263 31.381 36.354 31.438 36.443 31.493 36.529 31.547

3.50% 4.00% 26.253 23.573 26.331 23.628 26.407 23.680 26.480 23.731 26.551 23.780 26.619 23.827 26.685 23.872 26.749 23.915 26.810 23.957 26.870 23.997 26.928 24.036 26.983 24.073 27.037 24.109 27.089 24.143 27.139 24.176 27.187 24.207 27.234 24.238 27.279 24.267 27.323 24.295 27.365 24.323 27.406 24.349 27.445 24.374 27.484 24.398 27.520 24.421 27.556 24.443 27.590 24.465 27.623 24.485

4.50% 21.328 21.367 21.404 21.439 21.473 21.505 21.536 21.565 21.594 21.621 21.647 21.671 21.695 21.718 21.740 21.760 21.780 21.799 21.817 21.835 21.852 21.868 21.883 21.897 21.911 21.925 21.938

N 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43
N 5.00% 44 17.663 45 17.774 46 17.880 47 17.981 48 18.077 49 18.169 50 18.256 51 18.339

5.00% 0.952 1.859 2.723 3.546 4.329 5.076 5.786 6.463 7.108 7.722 8.306 8.863 9.394 9.899
10.380 10.838 11.274 11.690 12.085 12.462 12.821 13.163 13.489 13.799 14.094 14.375 14.643 14.898 15.141 15.372 15.593 15.803 16.003 16.193 16.374 16.547 16.711 16.868 17.017 17.159 17.294 17.423 17.546
5.50% 16.458 16.548 16.633 16.714 16.790 16.863 16.932 16.997

5.50% 0.948 1.846 2.698 3.505 4.270 4.996 5.683 6.335 6.952 7.538 8.093 8.619 9.117 9.590
10.038 10.462 10.865 11.246 11.608 11.950 12.275 12.583 12.875 13.152 13.414 13.662 13.898 14.121 14.333 14.534 14.724 14.904 15.075 15.237 15.391 15.536 15.674 15.805 15.929 16.046 16.157 16.263 16.363
6.00% 15.383 15.456 15.524 15.589 15.650 15.708 15.762 15.813

6.00% 0.943 1.833 2.673 3.465 4.212 4.917 5.582 6.210 6.802 7.360 7.887 8.384 8.853 9.295 9.712
10.106 10.477 10.828 11.158 11.470 11.764 12.042 12.303 12.550 12.783 13.003 13.211 13.406 13.591 13.765 13.929 14.084 14.230 14.368 14.498 14.621 14.737 14.846 14.949 15.046 15.138 15.225 15.306
6.50% 14.421 14.480 14.535 14.587 14.636 14.682 14.725 14.765

6.50% 0.939 1.821 2.648 3.426 4.156 4.841 5.485 6.089 6.656 7.189 7.689 8.159 8.600 9.014 9.403 9.768
10.111 10.432 10.735 11.019 11.285 11.535 11.770 11.991 12.198 12.392 12.575 12.746 12.907 13.059 13.201 13.334 13.459 13.577 13.687 13.791 13.888 13.979 14.065 14.146 14.221 14.292 14.359 7.00% 13.558 13.606 13.650 13.692 13.730 13.767 13.801 13.832

7.00% 0.935 1.808 2.624 3.387 4.100 4.767 5.389 5.971 6.515 7.024 7.499 7.943 8.358 8.745 9.108 9.447 9.763
10.059 10.336 10.594 10.836 11.061 11.272 11.469 11.654 11.826 11.987 12.137 12.278 12.409 12.532 12.647 12.754 12.854 12.948 13.035 13.117 13.193 13.265 13.332 13.394 13.452 13.507
7.50% 12.780 12.819 12.855 12.888 12.919 12.948 12.975 13.000

7.50% 0.930 1.796 2.601 3.349 4.046 4.694 5.297 5.857 6.379 6.864 7.315 7.735 8.126 8.489 8.827 9.142 9.434 9.706 9.959
10.194 10.413 10.617 10.807 10.983 11.147 11.299 11.441 11.573 11.696 11.810 11.917 12.015 12.107 12.193 12.273 12.347 12.415 12.479 12.539 12.594 12.646 12.694 12.739 8.00% 12.077 12.108 12.137 12.164 12.189 12.212 12.233 12.253

8.00% 0.926 1.783 2.577 3.312 3.993 4.623 5.206 5.747 6.247 6.710 7.139 7.536 7.904 8.244 8.559 8.851 9.122 9.372 9.604 9.818
10.017 10.201 10.371 10.529 10.675 10.810 10.935 11.051 11.158 11.258 11.350 11.435 11.514 11.587 11.655 11.717 11.775 11.829 11.879 11.925 11.967 12.007 12.043
8.50% 11.440 11.465 11.489 11.510 11.530 11.549 11.566 11.581

8.50% 0.922 1.771 2.554 3.276 3.941 4.554 5.119 5.639 6.119 6.561 6.969 7.345 7.691 8.010 8.304 8.575 8.825 9.055 9.268 9.463 9.644 9.810 9.963
10.104 10.234 10.354 10.465 10.566 10.660 10.747 10.827 10.900 10.968 11.030 11.088 11.141 11.190 11.235 11.276 11.315 11.350 11.382 11.412
9.00% 10.861 10.881 10.900 10.918 10.934 10.948 10.962 10.974

9.00% 0.917 1.759 2.531 3.240 3.890 4.486 5.033 5.535 5.995 6.418 6.805 7.161 7.487 7.786 8.061 8.313 8.544 8.756 8.950 9.129 9.292 9.442 9.580 9.707 9.823 9.929
10.027 10.116 10.198 10.274 10.343 10.406 10.464 10.518 10.567 10.612 10.653 10.691 10.726 10.757 10.787 10.813 10.838 9.50% 10.332 10.349 10.364 10.378 10.391 10.403 10.414 10.423

9.50% 0.913 1.747 2.509 3.204 3.840 4.420 4.950 5.433 5.875 6.279 6.647 6.984 7.291 7.572 7.828 8.062 8.276 8.471 8.650 8.812 8.961 9.097 9.221 9.334 9.438 9.532 9.618 9.697 9.769 9.835 9.895 9.950
10.000 10.045 10.087 10.125 10.160 10.192 10.221 10.247 10.271 10.294 10.314
10.00% 9.849 9.863 9.875 9.887 9.897 9.906 9.915 9.923

10.00% 0.909 1.736 2.487 3.170 3.791 4.355 4.868 5.335 5.759 6.145 6.495 6.814 7.103 7.367 7.606 7.824 8.022 8.201 8.365 8.514 8.649 8.772 8.883 8.985 9.077 9.161 9.237 9.307 9.370 9.427 9.479 9.526 9.569 9.609 9.644 9.677 9.706 9.733 9.757 9.779 9.799 9.817 9.834

10070.175 63.029 56.901 51.625 47.061 43.098 36.614 31.599 27.655 24.505 21.950 Note: N represents the number of time periods.

PRESENT VALUE TABLE OF A $1 ANNUITY RECEIVED AT THE END OF EACH TIME PERIOD FOR THE NUMBER OF TIME PERIODS INDICATED
Interest Rate Per Time Period

N 10.50% 1 0.905 2 1.724

3. 3  2.465
   
4. 4  3.136
   

11.00% 0.901 1.713 2.444 3.102

11.50% 0.897 1.701 2.423 3.070

12.00% 12.50% 0.893 0.889 1.690 1.679 2.402 2.381 3.037 3.006

13.00% 13.50% 0.885 0.881 1.668 1.657 2.361 2.341 2.974 2.944

14.00% 0.877 1.647 2.322 2.914

14.50% 15.00% 0.873 0.870 1.636 1.626 2.302 2.283 2.884 2.855

15.50% 0.866 1.615 2.264 2.826

17.058 15.861 17.117 15.907 17.173 15.950 17.225 15.991 17.275 16.029 17.322 16.065 17.367 16.099 17.410 16.131 17.450 16.161 17.488 16.190 17.524 16.217 17.558 16.242 17.591 16.266 17.622 16.289 17.651 16.310 17.679 16.331 17.705 16.350 17.730 16.368 17.753 16.385 17.776 16.401 17.797 16.416 17.817 16.430 17.836 16.443 17.854 16.456 17.871 16.468 17.887 16.479 17.903 16.490 17.917 16.500 17.931 16.509 17.944 16.518 17.956 16.526 17.968 16.534 17.979 16.542 17.990 16.549 18.000 16.556 18.009 16.562 18.018 16.568 18.027 16.573 18.035 16.579 18.043 16.584 18.050 16.588 18.057 16.593 18.063 16.597 18.069 16.601 18.075 16.605 18.081 16.608 18.086 16.611 18.091 16.615 18.096 16.618

14.803 13.862 14.838 13.890 14.872 13.916 14.903 13.940 14.932 13.963 14.960 13.984 14.986 14.003 15.010 14.022 15.033 14.039 15.054 14.055 15.075 14.070 15.094 14.084 15.111 14.098 15.128 14.110 15.144 14.121 15.158 14.132 15.172 14.142 15.185 14.152 15.197 14.160 15.209 14.169 15.219 14.176 15.230 14.183 15.239 14.190 15.248 14.196 15.256 14.202 15.264 14.208 15.271 14.213 15.278 14.218 15.285 14.222 15.291 14.226 15.297 14.230 15.302 14.234 15.307 14.237 15.312 14.240 15.316 14.243 15.320 14.246 15.324 14.249 15.328 14.251 15.331 14.253 15.335 14.255 15.338 14.257 15.341 14.259 15.343 14.261 15.346 14.263 15.348 14.264 15.350 14.266 15.352 14.267 15.354 14.268 15.356 14.269

13.023 12.272 13.045 12.288 13.065 12.304 13.084 12.319 13.101 12.332 13.117 12.344 13.132 12.356 13.146 12.367 13.159 12.377 13.172 12.386 13.183 12.394 13.193 12.402 13.203 12.409 13.212 12.416 13.221 12.422 13.228 12.428 13.236 12.433 13.243 12.438 13.249 12.443 13.255 12.447 13.260 12.451 13.265 12.455 13.270 12.458 13.275 12.461 13.279 12.464 13.282 12.467 13.286 12.469 13.289 12.471 13.292 12.474 13.295 12.475 13.298 12.477 13.300 12.479 13.303 12.481 13.305 12.482 13.307 12.483 13.309 12.485 13.310 12.486 13.312 12.487 13.313 12.488 13.315 12.489 13.316 12.489 13.317 12.490 13.318 12.491 13.319 12.492 13.320 12.492 13.321 12.493 13.322 12.493 13.323 12.494 13.324 12.494

11.596 11.609 11.621 11.632 11.643 11.652 11.661 11.669 11.677 11.684 11.690 11.696 11.701 11.706 11.711 11.715 11.719 11.722 11.726 11.729 11.732 11.734 11.737 11.739 11.741 11.743 11.744 11.746 11.747 11.749 11.750 11.751 11.752 11.753 11.754 11.755 11.756 11.756 11.757 11.758 11.758 11.759 11.759 11.760 11.760 11.760 11.761 11.761 11.761

10.985 10.432 10.996 10.441 11.005 10.448 11.014 10.455 11.022 10.461 11.029 10.467 11.036 10.472 11.042 10.477 11.048 10.481 11.053 10.485 11.058 10.488 11.062 10.492 11.066 10.495 11.070 10.497 11.073 10.500 11.077 10.502 11.079 10.504 11.082 10.506 11.084 10.508 11.087 10.510 11.089 10.511 11.091 10.512 11.092 10.514 11.094 10.515 11.095 10.516 11.097 10.517 11.098 10.517 11.099 10.518 11.100 10.519 11.101 10.520 11.102 10.520 11.102 10.521 11.103 10.521 11.104 10.522 11.104 10.522 11.105 10.522 11.105 10.523 11.106 10.523 11.106 10.523 11.107 10.524 11.107 10.524 11.107 10.524 11.108 10.524 11.108 10.524 11.108 10.525 11.109 10.525 11.109 10.525 11.109 10.525 11.109 10.525

9.930 9.936 9.942 9.947 9.952 9.956 9.960 9.964 9.967 9.970 9.973 9.975 9.978 9.980 9.981 9.983 9.985 9.986 9.987 9.988 9.990 9.990 9.991 9.992 9.993 9.994 9.994 9.995 9.995 9.996 9.996 9.996 9.997 9.997 9.997 9.997 9.998 9.998 9.998 9.998 9.998 9.999 9.999 9.999 9.999 9.999 9.999 9.999 9.999

52 18.418
53 18.493
54 18.565
55 18.633
56 18.699
57 18.761
58 18.820
59 18.876
60 18.929
61 18.980
62 19.029
63 19.075
64 19.119
65 19.161
66 19.201
67 19.239
68 19.275
69 19.310
70 19.343
71 19.374
72 19.404
73 19.432
74 19.459
75 19.485
76 19.509
77 19.533
78 19.555
79 19.576
80 19.596
81 19.616
82 19.634
83 19.651
84 19.668
85 19.684
86 19.699
87 19.713
88 19.727
89 19.740
90 19.752
91 19.764
92 19.775
93 19.786
94 19.796
95 19.806
96 19.815
97 19.824
98 19.832
99 19.840
10019.848
Note: N represents the number of time periods.

PRESENT VALUE TABLE OF A $1 ANNUITY RECEIVED AT THE PERIOD FOR THE NUMBER OF TIME PERIODS INDICATED

Interest Rate Per Time Period

END OF EACH TIME

5. 5  3.743
   
6. 6  4.292
   
7. 7  4.789
   
8. 8  5.239
   
9. 9  5.646
   
10. 10  6.015
    
11. 11  6.348
    
12. 12  6.650
    
13. 13  6.923
    
14. 14  7.170
    

3.696 4.231 4.712 5.146 5.537 5.889 6.207 6.492 6.750 6.982

3.650 3.605 4.170 4.111 4.637 4.564 5.056 4.968 5.431 5.328 5.768 5.650 6.070 5.938 6.341 6.194 6.583 6.424 6.801 6.628
11.00% 11.50% 7.191 6.997 7.379 7.172 7.549 7.329 7.702 7.470 7.839 7.596 7.963 7.710 8.075 7.811 8.176 7.903 8.266 7.984 8.348 8.058 8.422 8.124 8.488 8.183 8.548 8.236 8.602 8.283 8.650 8.326 8.694 8.364 8.733 8.398 8.769 8.429 8.801 8.456 8.829 8.481 8.855 8.503 8.879 8.523 8.900 8.541 8.919 8.557 8.936 8.571 8.951 8.584 8.965 8.595 8.977 8.606 8.989 8.615 8.999 8.623 9.008 8.631 9.016 8.637 9.024 8.643 9.030 8.649 9.036 8.654 9.042 8.658 9.047 8.662 9.051 8.665 9.055 8.669 9.058 8.671 9.062 8.674 9.065 8.676 9.067 8.678 9.070 8.680 9.072 8.682 9.074 8.683 9.075 8.684

3.561 3.517 4.054 3.998 4.492 4.423 4.882 4.799 5.228 5.132 5.536 5.426 5.810 5.687 6.053 5.918 6.270 6.122 6.462 6.302
12.00% 12.50% 6.811 6.633 6.974 6.785 7.120 6.920 7.250 7.040 7.366 7.147 7.469 7.241 7.562 7.326 7.645 7.401 7.718 7.467 7.784 7.526 7.843 7.579 7.896 7.626 7.943 7.667 7.984 7.704 8.022 7.737 8.055 7.766 8.085 7.792 8.112 7.815 8.135 7.836 8.157 7.854 8.176 7.870 8.192 7.885 8.208 7.898 8.221 7.909 8.233 7.919 8.244 7.928 8.253 7.936 8.262 7.943 8.270 7.949 8.276 7.955 8.283 7.960 8.288 7.965 8.293 7.968 8.297 7.972 8.301 7.975 8.304 7.978 8.308 7.980 8.310 7.982 8.313 7.984 8.315 7.986 8.317 7.988 8.319 7.989 8.320 7.990 8.322 7.991 8.323 7.992 8.324 7.993 8.325 7.994

3.475 3.433 3.392 3.943 3.889 3.836 4.355 4.288 4.224 4.718 4.639 4.562 5.038 4.946 4.858 5.320 5.216 5.116 5.568 5.453 5.341 5.787 5.660 5.538 5.979 5.842 5.710 6.149 6.002 5.861
13.00% 13.50% 14.00% 6.462 6.299 6.142 6.604 6.431 6.265 6.729 6.547 6.373 6.840 6.649 6.467 6.938 6.739 6.550 7.025 6.819 6.623 7.102 6.889 6.687 7.170 6.951 6.743 7.230 7.005 6.792 7.283 7.053 6.835 7.330 7.095 6.873 7.372 7.132 6.906 7.409 7.165 6.935 7.441 7.194 6.961 7.470 7.219 6.983 7.496 7.242 7.003 7.518 7.261 7.020 7.538 7.279 7.035 7.556 7.294 7.048 7.572 7.307 7.060 7.586 7.319 7.070 7.598 7.330 7.079 7.609 7.339 7.087 7.618 7.347 7.094 7.627 7.354 7.100 7.634 7.361 7.105 7.641 7.366 7.110 7.647 7.371 7.114 7.652 7.375 7.117 7.657 7.379 7.120 7.661 7.383 7.123 7.664 7.386 7.126 7.668 7.388 7.128 7.671 7.390 7.130 7.673 7.392 7.131 7.675 7.394 7.133 7.677 7.396 7.134 7.679 7.397 7.135 7.680 7.398 7.136 7.682 7.399 7.137 7.683 7.400 7.138 7.684 7.401 7.138 7.685 7.402 7.139 7.686 7.403 7.139 7.687 7.403 7.140 7.687 7.404 7.140 7.688 7.404 7.140

3.352 3.784 4.160 4.487 4.772 5.019 5.234 5.421 5.583 5.724
14.50% 5.992 6.106 6.206 6.294 6.370 6.437 6.495 6.546 6.590 6.629 6.663 6.693 6.718 6.741 6.761 6.778 6.793 6.806 6.817 6.827 6.836 6.844 6.851 6.856 6.861 6.866 6.870 6.873 6.876 6.879 6.881 6.883 6.885 6.886 6.887 6.889 6.890 6.891 6.891 6.892 6.893 6.893 6.893 6.894 6.894 6.895 6.895

3.313 3.734 4.099 4.415 4.688 4.925 5.130 5.307 5.461 5.594
15.00% 5.847 5.954 6.047 6.128 6.198 6.259 6.312 6.359 6.399 6.434 6.464 6.491 6.514 6.534 6.551 6.566 6.579 6.591 6.600 6.609 6.617 6.623 6.629 6.634 6.638 6.642 6.645 6.648 6.650 6.652 6.654 6.656 6.657 6.659 6.660 6.661 6.661 6.662 6.663 6.663 6.664 6.664 6.664 6.665 6.665 6.665 6.665

N 10.50%

15. 15  7.394
    
16. 16  7.596
    
17. 17  7.779
    
18. 18  7.945
    
19. 19  8.095
    
20. 20  8.231
    
21. 21  8.354
    
22. 22  8.465
    
23. 23  8.566
    
24. 24  8.657
    
25. 25  8.739
    
26. 26  8.814
    
27. 27  8.881
    
28. 28  8.942
    
29. 29  8.997
    
30. 30  9.047
    
31. 31  9.093
    
32. 32  9.134
    
33. 33  9.171
    
34. 34  9.204
    
35. 35  9.235
    
36. 36  9.262
    
37. 37  9.287
    
38. 38  9.309
    
39. 39  9.330
    
40. 40  9.348
    
41. 41  9.365
    
42. 42  9.380
    
43. 43  9.394
    
44. 44  9.406
    
45. 45  9.417
    
46. 46  9.427
    
47. 47  9.437
    
48. 48  9.445
    
49. 49  9.452
    
50. 50  9.459
    
51. 51  9.465
    
52. 52  9.471
    
53. 53  9.476
    
54. 54  9.480
    
55. 55  9.485
    
56. 56  9.488
    
57. 57  9.492
    
58. 58  9.495
    
59. 59  9.497
    
60. 60  9.500
    
61. 61  9.502
    

15.50% 5.709 5.808 5.895 5.969 6.034 6.090 6.139 6.181 6.217 6.249 6.276 6.299 6.320 6.337 6.353 6.366 6.378 6.387 6.396 6.404 6.410 6.416 6.420 6.425 6.428 6.431 6.434 6.436 6.438 6.440 6.442 6.443 6.444 6.445 6.446 6.447 6.447 6.448 6.449 6.449 6.449 6.450 6.450 6.450 6.450 6.450 6.451

N 16.00%

1. 1  0.862
   
2. 2  1.605
   
3. 3  2.246
   
4. 4  2.798
   
5. 5  3.274
   
6. 6  3.685
   
7. 7  4.039
   
8. 8  4.344
   
9. 9  4.607
   

10 4.833 11 5.029 12 5.197 13 5.342

16.50% 0.858 1.595 2.228 2.770 3.236 3.636 3.980 4.274 4.527 4.745 4.931 5.091 5.228

17.00% 0.855 1.585 2.210 2.743 3.199 3.589 3.922 4.207 4.451 4.659 4.836 4.988 5.118

17.50% 0.851 1.575 2.192 2.716 3.163 3.543 3.866 4.142 4.376 4.575 4.745 4.889 5.012

18.00% 0.847 1.566 2.174 2.690 3.127 3.498 3.812 4.078 4.303 4.494 4.656 4.793 4.910

18.50% 0.844 1.556 2.157 2.664 3.092 3.453 3.758 4.015 4.232 4.415 4.570 4.700 4.810

19.00% 0.840 1.547 2.140 2.639 3.058 3.410 3.706 3.954 4.163 4.339 4.486 4.611 4.715

19.50% 0.837 1.537 2.123 2.613 3.024 3.367 3.655 3.895 4.096 4.265 4.406 4.523 4.622

20.00% 0.833 1.528 2.106 2.589 2.991 3.326 3.605 3.837 4.031 4.192 4.327 4.439 4.533

62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91

9.504 9.506 9.508 9.509 9.511 9.512 9.513 9.514 9.515 9.516 9.517 9.517 9.518 9.518 9.519 9.519 9.520 9.520 9.521 9.521 9.521 9.521 9.522 9.522 9.522 9.522 9.522 9.522 9.523 9.523

9.077 9.078 9.079 9.081 9.082 9.083 9.083 9.084 9.085 9.085 9.086 9.086 9.087 9.087 9.088 9.088 9.088 9.089 9.089 9.089 9.089 9.089 9.089 9.090 9.090 9.090 9.090 9.090 9.090 9.090

8.685 8.326 8.687 8.327 8.687 8.327 8.688 8.328 8.689 8.329 8.690 8.329 8.690 8.330 8.691 8.330 8.691 8.330 8.692 8.331 8.692 8.331 8.693 8.331 8.693 8.331 8.693 8.332 8.693 8.332 8.694 8.332 8.694 8.332 8.694 8.332 8.694 8.332 8.694 8.332 8.694 8.333 8.695 8.333 8.695 8.333 8.695 8.333 8.695 8.333 8.695 8.333 8.695 8.333 8.695 8.333 8.695 8.333 8.695 8.333 12.00% 12.50%

7.995 7.688 7.995 7.689 7.996 7.689 7.996 7.690 7.997 7.690 7.997 7.690 7.997 7.690 7.998 7.691 7.998 7.691 7.998 7.691 7.998 7.691 7.999 7.691 7.999 7.691 7.999 7.692 7.999 7.692 7.999 7.692 7.999 7.692 7.999 7.692 7.999 7.692 7.999 7.692 7.999 7.692 8.000 7.692 8.000 7.692 8.000 7.692 8.000 7.692 8.000 7.692 8.000 7.692 8.000 7.692 8.000 7.692 8.000 7.692 13.00% 13.50%
7.692 7.407 7.692 7.407 7.692 7.407 7.692 7.407 7.692 7.407 7.692 7.407 7.692 7.407 7.692 7.407 7.692 7.407

7.405 7.405 7.405 7.405 7.406 7.406 7.406 7.406 7.406 7.406 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407 7.407
14.00% 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143

7.141 7.141 7.141 7.141 7.142 7.142 7.142 7.142 7.142 7.142 7.142 7.142 7.142 7.142 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143 7.143
14.50% 6.897 6.897 6.897 6.897 6.897 6.897 6.897 6.897 6.897

6.895 6.666 6.895 6.666 6.895 6.666 6.896 6.666 6.896 6.666 6.896 6.666 6.896 6.666 6.896 6.666 6.896 6.666 6.896 6.666 6.896 6.666 6.896 6.666 6.896 6.666 6.896 6.666 6.896 6.667 6.896 6.667 6.896 6.667 6.896 6.667 6.896 6.667 6.896 6.667 6.896 6.667 6.896 6.667 6.896 6.667 6.896 6.667 6.896 6.667 6.896 6.667 6.897 6.667 6.897 6.667 6.897 6.667 6.897 6.667 15.00% 15.50% 6.667 6.452 6.667 6.452 6.667 6.452 6.667 6.452 6.667 6.452 6.667 6.452 6.667 6.452 6.667 6.452 6.667 6.452

6.451 6.451 6.451 6.451 6.451 6.451 6.451 6.451 6.451 6.451 6.451 6.451 6.451 6.451 6.451 6.452 6.452 6.452 6.452 6.452 6.452 6.452 6.452 6.452 6.452 6.452 6.452 6.452 6.452 6.452

N 10.50%

92. 92  9.523
    
93. 93  9.523
    
94. 94  9.523
    
95. 95  9.523
    
96. 96  9.523
    
97. 97  9.523
    
98. 98  9.523
    
99. 99  9.523
    

100 9.523
Note: N represents the number of time periods.

11.00% 9.090 9.090 9.090 9.090 9.091 9.091 9.091 9.091 9.091

11.50% 8.695 8.695 8.695 8.695 8.695 8.695 8.695 8.695 8.695

8.333 8.000 8.333 8.000 8.333 8.000 8.333 8.000 8.333 8.000 8.333 8.000 8.333 8.000 8.333 8.000 8.333 8.000

PRESENT VALUE TABLE OF A $1 ANNUITY RECEIVED AT THE PERIOD FOR THE NUMBER OF TIME PERIODS INDICATED

Interest Rate Per Time Period

END OF EACH TIME

14. 14  5.468
    
15. 15  5.575
    
16. 16  5.668
    
17. 17  5.749
    
18. 18  5.818
    
19. 19  5.877
    
20. 20  5.929
    
21. 21  5.973
    
22. 22  6.011
    
23. 23  6.044
    
24. 24  6.073
    
25. 25  6.097
    
26. 26  6.118
    
27. 27  6.136
    
28. 28  6.152
    
29. 29  6.166
    
30. 30  6.177
    
31. 31  6.187
    
32. 32  6.196
    
33. 33  6.203
    
34. 34  6.210
    
35. 35  6.215
    
36. 36  6.220
    
37. 37  6.224
    
38. 38  6.228
    
39. 39  6.231
    
40. 40  6.233
    
41. 41  6.236
    
42. 42  6.238
    
43. 43  6.239
    
44. 44  6.241
    
45. 45  6.242
    
46. 46  6.243
    
47. 47  6.244
    
48. 48  6.245
    
49. 49  6.246
    
50. 50  6.246
    
51. 51  6.247
    
52. 52  6.247
    
53. 53  6.248
    
54. 54  6.248
    
55. 55  6.248
    
56. 56  6.248
    
57. 57  6.249
    
58. 58  6.249
    
59. 59  6.249
    
60. 60  6.249
    
61. 61  6.249
    
62. 62  6.249
    

5.346 5.447 5.534 5.609 5.673 5.728 5.775 5.815 5.850 5.880 5.905 5.927 5.946 5.962 5.976 5.988 5.999 6.007 6.015 6.021 6.027 6.032 6.036 6.039 6.042 6.045 6.047 6.049 6.051 6.052 6.053 6.054 6.055 6.056 6.057 6.057 6.058 6.058 6.058 6.059 6.059 6.059 6.059 6.060 6.060 6.060 6.060 6.060 6.060

5.229 5.117 5.324 5.206 5.405 5.281 5.475 5.346 5.534 5.401 5.584 5.447 5.628 5.487 5.665 5.521 5.696 5.550 5.723 5.574 5.746 5.595 5.766 5.613 5.783 5.628 5.798 5.641 5.810 5.652 5.820 5.661 5.829 5.669 5.837 5.676 5.844 5.681 5.849 5.686 5.854 5.691 5.858 5.694 5.862 5.697 5.865 5.700 5.867 5.702 5.869 5.704 5.871 5.705 5.873 5.707 5.874 5.708 5.875 5.709 5.876 5.710 5.877 5.710 5.878 5.711 5.879 5.711 5.879 5.712 5.880 5.712 5.880 5.712 5.880 5.713 5.881 5.713 5.881 5.713 5.881 5.713 5.881 5.713 5.881 5.714 5.882 5.714 5.882 5.714 5.882 5.714 5.882 5.714 5.882 5.714 5.882 5.714
16.50% 17.00% 6.060 5.882 6.060 5.882 6.060 5.882 6.060 5.882 6.060 5.882 6.060 5.882 6.060 5.882 6.060 5.882

5.008 4.903 5.092 4.982 5.162 5.048 5.222 5.104 5.273 5.151 5.316 5.191 5.353 5.224 5.384 5.252 5.410 5.276 5.432 5.296 5.451 5.313 5.467 5.328 5.480 5.340 5.492 5.350 5.502 5.359 5.510 5.366 5.517 5.372 5.523 5.377 5.528 5.382 5.532 5.385 5.536 5.389 5.539 5.391 5.541 5.393 5.543 5.395 5.545 5.397 5.547 5.398 5.548 5.399 5.549 5.400 5.550 5.401 5.551 5.402 5.552 5.402 5.552 5.403 5.553 5.403 5.553 5.404 5.554 5.404 5.554 5.404 5.554 5.404 5.554 5.404 5.555 5.405 5.555 5.405 5.555 5.405 5.555 5.405 5.555 5.405 5.555 5.405 5.555 5.405 5.555 5.405 5.555 5.405 5.555 5.405 5.555 5.405
17.50% 18.00% 5.714 5.555 5.714 5.555 5.714 5.555 5.714 5.555 5.714 5.555 5.714 5.555 5.714 5.555 5.714 5.556

4.802 4.876 4.938 4.990 5.033 5.070 5.101 5.127 5.149 5.167 5.182 5.195 5.206 5.215 5.223 5.229 5.235 5.239 5.243 5.246 5.249 5.251 5.253 5.255 5.256 5.257 5.258 5.259 5.260 5.260 5.261 5.261 5.261 5.262 5.262 5.262 5.262 5.262 5.263 5.263 5.263 5.263 5.263 5.263 5.263 5.263 5.263 5.263 5.263
18.50% 5.405 5.405 5.405 5.405 5.405 5.405 5.405 5.405

4.705 4.774 4.832 4.880 4.921 4.954 4.983 5.007 5.026 5.043 5.057 5.069 5.078 5.086 5.093 5.099 5.104 5.108 5.111 5.114 5.116 5.118 5.120 5.121 5.122 5.123 5.124 5.125 5.125 5.126 5.126 5.127 5.127 5.127 5.127 5.127 5.128 5.128 5.128 5.128 5.128 5.128 5.128 5.128 5.128 5.128 5.128 5.128 5.128
19.00% 5.263 5.263 5.263 5.263 5.263 5.263 5.263 5.263

4.611 4.675 4.730 4.775 4.812 4.843 4.870 4.891 4.909 4.925 4.937 4.948 4.956 4.964 4.970 4.975 4.979 4.982 4.985 4.988 4.990 4.992 4.993 4.994 4.995 4.996 4.997 4.997 4.998 4.998 4.998 4.999 4.999 4.999 4.999 4.999 4.999 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000
19.50% 5.128 5.128 5.128 5.128 5.128 5.128 5.128 5.128

N 16.00%

63. 63  6.249
    
64. 64  6.250
    
65. 65  6.250
    
66. 66  6.250
    
67. 67  6.250
    
68. 68  6.250
    
69. 69  6.250
    
70. 70  6.250
    

20.00% 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000

6.060 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882 6.061 5.882

5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556 5.714 5.556

5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128 5.405 5.263 5.128

5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000 5.000

71. 71  6.250
    
72. 72  6.250
    
73. 73  6.250
    
74. 74  6.250
    
75. 75  6.250
    
76. 76  6.250
    
77. 77  6.250
    
78. 78  6.250
    
79. 79  6.250
    
80. 80  6.250
    
81. 81  6.250
    
82. 82  6.250
    
83. 83  6.250
    
84. 84  6.250
    
85. 85  6.250
    
86. 86  6.250
    
87. 87  6.250
    
88. 88  6.250
    
89. 89  6.250
    
90. 90  6.250
    
91. 91  6.250
    
92. 92  6.250
    
93. 93  6.250
    
94. 94  6.250
    
95. 95  6.250
    
96. 96  6.250
    
97. 97  6.250
    
98. 98  6.250
    
99. 99  6.250
    
100. 100  6.250
     

Note: N represents the number of time periods.