Managerial Accounting Project
Appendix: Time Value of Money Tables
© American Management Association. All rights reserved. 209
P re
se n
t V
al u
e T
ab le
1% 2%
3% 4%
5% 6%
7% 8%
9% 10
% 11
% 12
% 13
% 14
% 15
% 16
% 17
% 18
% 19
% 20
% 1
0. 99
0 0.
98 0
0. 97
1 0.
96 2
0. 95
2 0.
94 3
0. 93
5 0.
92 6
0. 91
7 0.
90 9
0. 90
1 0.
89 3
0. 88
5 0.
87 7
0. 87
0 0.
86 2
0. 85
5 0.
84 7
0. 84
0 0.
83 3
2 0.
98 0
0. 96
1 0.
94 3
0. 92
5 0.
90 7
0. 89
0 0.
87 3
0. 85
7 0.
84 2
0. 82
6 0.
81 2
0. 79
7 0.
78 3
0. 76
9 0.
75 6
0. 74
3 0.
73 1
0. 71
8 0.
70 6
0. 69
4 3
0. 97
1 0.
94 2
0. 91
5 0.
88 9
0. 86
4 0.
84 0
0. 81
6 0.
79 4
0. 77
2 0.
75 1
0. 73
1 0.
71 2
0. 69
3 0.
67 5
0. 65
8 0.
64 1
0. 62
4 0.
60 9
0. 59
3 0.
57 9
4 0.
96 1
0. 92
4 0.
88 8
0. 85
5 0.
82 3
0. 79
2 0.
76 3
0. 73
5 0.
70 8
0. 68
3 0.
65 9
0. 63
6 0.
61 3
0. 59
2 0.
57 2
0. 55
2 0.
53 4
0. 51
6 0.
49 9
0. 48
2 5
0. 95
1 0.
90 6
0. 86
3 0.
82 2
0. 78
4 0.
74 7
0. 71
3 0.
68 1
0. 65
0 0.
62 1
0. 59
3 0.
56 7
0. 54
3 0.
51 9
0. 49
7 0.
47 6
0. 45
6 0.
43 7
0. 41
9 0.
40 2
6 0.
94 2
0. 88
8 0.
83 7
0. 79
0 0.
74 6
0. 70
5 0.
66 6
0. 63
0 0.
59 6
0. 56
4 0.
53 5
0. 50
7 0.
48 0
0. 45
6 0.
43 2
0. 41
0 0.
39 0
0. 37
0 0.
35 2
0. 33
5 7
0. 93
3 0.
87 1
0. 81
3 0.
76 0
0. 71
1 0.
66 5
0. 62
3 0.
58 3
0. 54
7 0.
51 3
0. 48
2 0.
45 2
0. 42
5 0.
40 0
0. 37
6 0.
35 4
0. 33
3 0.
31 4
0. 29
6 0.
27 9
8 0.
92 3
0. 85
3 0.
78 9
0. 73
1 0.
67 7
0. 62
7 0.
58 2
0. 54
0 0.
50 2
0. 46
7 0.
43 4
0. 40
4 0.
37 6
0. 35
1 0.
32 7
0. 30
5 0.
28 5
0. 26
6 0.
24 9
0. 23
3 9
0. 91
4 0.
83 7
0. 76
6 0.
70 3
0. 64
5 0.
59 2
0. 54
4 0.
50 0
0. 46
0 0.
42 4
0. 39
1 0.
36 1
0. 33
3 0.
30 8
0. 29
4 0.
28 3
0. 24
3 0.
22 5
0. 20
9 0.
19 4
10 0.
90 5
0. 82
0 0.
74 4
0. 67
6 0.
61 4
0. 55
8 0.
50 8
0. 46
3 0.
42 2
0. 38
6 0.
35 2
0. 32
2 0.
29 5
0. 27
0 0.
24 7
0. 22
7 0.
20 6
0. 19
1 0.
17 6
0. 16
2 11
0. 89
6 0.
80 4
0. 72
2 0.
65 0
0. 58
5 0.
52 7
0. 47
5 0.
42 9
0. 38
8 0.
35 0
0. 31
7 0.
28 7
0. 26
1 0.
23 7
0. 21
5 0.
19 5
0. 17
8 0.
16 2
0. 14
8 0.
13 6
12 0.
88 7
0. 78
8 0.
70 1
0. 62
5 0.
55 7
0. 49
7 0.
44 4
0. 39
7 0.
35 6
0. 31
9 0.
28 6
0. 25
7 0.
23 1
0. 20
8 0.
18 7
0. 16
8 0.
15 2
0. 13
7 0.
12 4
0. 11
2 13
0. 87
9 0.
77 3
0. 68
1 0.
60 1
0. 53
0 0.
46 9
0. 41
5 0.
36 8
0. 32
6 0.
29 0
0. 25
8 0.
22 9
0. 20
4 0.
18 2
0. 16
3 0.
14 5
0. 13
0 0.
11 6
0. 10
4 0.
09 3
14 0.
87 0
0. 75
8 0.
66 1
0. 57
7 0.
50 6
0. 44
2 0.
38 8
0. 34
0 0.
29 9
0. 26
3 0.
23 2
0. 20
5 0.
18 1
0. 16
0 0.
14 1
0. 12
5 0.
11 1
0. 09
9 0.
08 8
0. 07
8 15
0. 86
1 0.
74 3
0. 64
2 0.
55 5
0. 48
1 0.
41 7
0. 36
2 0.
31 5
0. 27
5 0.
23 9
0. 20
9 0.
18 3
0. 16
0 0.
14 0
0. 12
3 0.
10 8
0. 09
5 0.
08 4
0. 07
4 0.
06 5
16 0.
85 3
0. 72
8 0.
62 3
0. 53
4 0.
45 8
0. 39
4 0.
33 9
0. 29
2 0.
25 2
0. 21
8 0.
18 8
0. 16
3 0.
14 1
0. 12
3 0.
10 7
0. 09
3 0.
08 1
0. 07
1 0.
06 2
0. 05
4 17
0. 84
4 0.
71 4
0. 60
5 0.
51 3
0. 43
6 0.
37 1
0. 31
7 0.
27 0
0. 23
1 0.
19 8
0. 17
0 0.
14 6
0. 12
5 0.
10 8
0. 09
3 0.
08 0
0. 06
9 0.
06 0
0. 05
2 0.
04 5
18 0.
83 6
0. 70
0 0.
58 7
0. 49
4 0.
41 6
0. 35
0 0.
29 6
0. 25
0 0.
21 2
0. 18
0 0.
15 3
0. 13
0 0.
11 1
0. 09
5 0.
08 1
0. 06
9 0.
05 9
0. 05
1 0.
04 4
0. 03
8 19
0. 82
8 0.
68 6
0. 57
0 0.
47 5
0. 39
6 0.
33 1
0. 27
7 0.
23 2
0. 19
4 0.
16 4
0. 13
8 0.
11 6
0. 09
8 0.
08 3
0. 07
0 0.
06 0
0. 05
1 0.
04 3
0. 03
7 0.
03 1
20 0.
82 0
0. 67
3 0.
55 4
0. 45
6 0.
37 7
0. 31
2 0.
25 8
0. 21
5 0.
17 8
0. 14
9 0.
12 4
0. 10
4 0.
08 7
0. 07
3 0.
06 1
0. 05
1 0.
04 3
0. 03
7 0.
03 1
0. 02
6 21
0. 81
1 0.
66 0
0. 53
8 0.
43 9
0. 35
9 0.
29 4
0. 24
2 0.
19 9
0. 16
4 0.
13 5
0. 11
2 0.
09 3
0. 07
7 0.
06 4
0. 05
3 0.
04 4
0. 03
7 0.
03 1
0. 02
6 0.
02 2
22 0.
80 3
0. 64
7 0.
52 2
0. 42
2 0.
34 2
0. 27
8 0.
22 6
0. 18
4 0.
15 0
0. 12
3 0.
10 1
0. 08
3 0.
06 8
0. 05
6 0.
04 6
0. 03
8 0.
03 2
0. 02
6 0.
02 2
0. 01
8 23
0. 79
5 0.
63 4
0. 50
7 0.
40 6
0. 32
6 0.
26 2
0. 21
1 0.
17 0
0. 13
8 0.
11 2
0. 09
1 0.
07 4
0. 06
0 0.
04 9
0. 04
0 0.
03 3
0. 02
7 0.
02 2
0. 01
8 0.
01 5
24 0.
78 8
0. 62
2 0.
49 2
0. 39
0 0.
31 0
0. 24
7 0.
19 7
0. 15
8 0.
12 6
0. 10
2 0.
08 2
0. 06
6 0.
05 3
0. 04
3 0.
03 5
0. 02
8 0.
02 3
0. 01
9 0.
01 5
0. 01
3 25
0. 78
0 0.
61 0
0. 47
8 0.
37 5
0. 29
6 0.
23 3
0. 18
4 0.
14 6
0. 11
6 0.
09 2
0. 07
4 0.
05 9
0. 04
7 0.
03 8
0. 03
0 0.
02 4
0. 02
0 0.
01 6
0. 01
3 0.
01 0
26 0.
77 2
0. 59
8 0.
46 4
0. 36
1 0.
28 1
0. 22
0 0.
17 2
0. 13
5 0.
10 6
0. 08
4 0.
06 6
0. 05
3 0.
04 2
0. 03
3 0.
02 6
0. 02
1 0.
01 7
0. 01
4 0.
01 1
0. 00
9 27
0. 76
4 0.
58 6
0. 45
0 0.
34 7
0. 26
8 0.
20 7
0. 16
1 0.
12 5
0. 09
8 0.
07 6
0. 06
0 0.
04 7
0. 03
7 0.
02 9
0. 02
3 0.
01 8
0. 01
4 0.
01 1
0. 00
9 0.
00 7
28 0.
75 7
0. 57
4 0.
43 7
0. 33
3 0.
25 5
0. 19
6 0.
15 0
0. 11
6 0.
09 0
0. 06
9 0.
05 4
0. 04
2 0.
03 3
0. 02
6 0.
02 0
0. 01
6 0.
01 2
0. 01
0 0.
00 8
0. 00
6 29
0. 74
9 0.
58 3
0. 42
4 0.
32 1
0. 24
3 0.
18 5
0. 14
1 0.
10 7
0. 08
2 0.
06 3
0. 04
8 0.
03 7
0. 02
9 0.
02 2
0. 01
7 0.
01 4
0. 01
1 0.
00 8
0. 00
6 0.
00 5
30 0.
74 2
0. 55
2 0.
41 2
0. 30
8 0.
23 1
0. 17
4 0.
13 1
0. 09
9 0.
07 5
0. 05
7 0.
04 4
0. 03
3 0.
02 6
0. 02
0 0.
01 5
0. 01
2 0.
00 9
0. 00
7 0.
00 5
0. 00
4 31
0. 73
5 0.
54 1
0. 40
0 0.
29 6
0. 22
0 0.
16 4
0. 12
3 0.
09 2
0. 06
9 0.
05 2
0. 03
9 0.
03 0
0. 02
3 0.
01 7
0. 01
3 0.
01 0
0. 00
8 0.
00 6
0. 00
5 0.
00 4
32 0.
72 7
0. 53
1 0.
38 8
0. 28
5 0.
21 0
0. 15
5 0.
11 5
0. 08
5 0.
06 3
0. 04
7 0.
03 5
0. 02
7 0.
02 0
0. 01
5 0.
01 1
0. 00
9 0.
00 7
0. 00
5 0.
00 4
0. 00
3 33
0. 72
0 0.
52 0
0. 37
7 0.
27 4
0. 20
0 0.
14 6
0. 10
7 0.
07 9
0. 05
8 0.
04 3
0. 03
2 0.
02 4
0. 01
8 0.
01 3
0. 01
0 0.
00 7
0. 00
6 0.
00 4
0. 00
3 0.
00 2
34 0.
71 3
0. 51
0 0.
36 6
0. 26
4 0.
19 0
0. 13
8 0.
10 0
0. 07
3 0.
05 3
0. 03
9 0.
02 9
0. 02
1 0.
01 6
0. 01
2 0.
00 9
0. 00
6 0.
00 5
0. 00
4 0.
00 3
0. 00
2 35
0. 70
6 0.
50 0
0. 35
5 0.
25 3
0. 18
1 0.
13 0
0. 09
4 0.
06 8
0. 04
9 0.
03 6
0. 02
6 0.
01 9
0. 01
4 0.
01 0
0. 00
8 0.
00 6
0. 00
4 0.
00 3
0. 00
2 0.
00 2
36 0.
69 9
0. 49
0 0.
34 5
0. 24
4 0.
17 3
0. 12
3 0.
08 8
0. 06
3 0.
04 5
0. 03
2 0.
02 3
0. 01
7 0.
01 2
0. 00
9 0.
00 7
0. 00
5 0.
00 4
0. 00
3 0.
00 2
0. 00
1 37
0. 69
2 0.
48 1
0. 33
5 0.
23 4
0. 16
4 0.
11 6
0. 08
2 0.
05 8
0. 04
1 0.
02 9
0. 02
1 0.
01 5
0. 01
1 0.
00 8
0. 00
6 0.
00 4
0. 00
3 0.
00 2
0. 00
2 0.
00 1
38 0.
68 5
0. 47
1 0.
32 5
0. 22
5 0.
15 7
0. 10
9 0.
07 6
0. 05
4 0.
03 8
0. 02
7 0.
01 9
0. 01
3 0.
01 0
0. 00
7 0.
00 5
0. 00
4 0.
00 3
0. 00
2 0.
00 1
0. 00
1 39
0. 67
8 0.
46 2
0. 31
6 0.
21 7
0. 14
9 0.
10 3
0. 07
1 0.
05 0
0. 03
5 0.
02 4
0. 01
7 0.
01 2
0. 00
9 0.
00 6
0. 00
4 0.
00 3
0. 00
2 0.
00 2
0. 00
1 0.
00 1
40 0.
67 2
0. 45
3 0.
30 7
0. 20
6 0.
14 2
0. 09
7 0.
06 7
0. 04
6 0.
03 2
0. 02
2 0.
01 5
0. 01
1 0.
00 6
0. 00
5 0.
00 4
0. 00
3 0.
00 2
0. 00
1 0.
00 1
0. 00
1
© American Management Association. All rights reserved.
P re
se n
t V
al u
e o
f an
A n
n u
it y
T ab
le
1% 2%
3% 4%
5% 6%
7% 8%
9% 10
% 11
% 12
% 13
% 14
% 15
% 16
% 17
% 18
% 19
% 20
% 1
0. 99
0 0.
98 0
0. 97
1 0.
96 2
0. 96
2 0.
94 3
0. 93
5 0.
92 6
0. 91
7 0.
90 9
0. 90
1 0.
89 3
0. 88
5 0.
87 7
0. 87
0 0.
86 2
0. 85
5 0.
84 7
0. 84
0 0.
83 3
2 1.
97 0
1. 94
2 1.
91 3
1. 88
5 1.
85 9
1. 83
3 1.
80 8
1. 78
3 1.
75 9
1. 73
6 1.
71 3
1. 69
0 1.
66 8
1. 64
7 1.
62 6
1. 60
5 1.
58 5
1. 56
6 1.
54 7
1. 52
8 3
2. 94
1 2.
88 4
2. 82
9 2.
77 5
2. 72
3 2.
67 3
2. 62
4 2.
57 7
2. 53
1 2.
48 7
2. 44
4 2.
40 2
2. 36
1 2.
32 2
2. 28
3 2.
24 6
2. 21
0 2.
17 4
2. 14
0 2.
10 6
4 3.
90 2
3. 80
8 3.
71 7
3. 63
0 3.
54 6
3. 46
5 3.
38 7
3. 31
2 3.
24 0
3. 17
0 3.
10 2
3. 03
7 2.
97 4
2. 91
4 2.
85 5
2. 79
8 2.
74 3
2. 69
0 2.
63 9
2. 58
9 5
4. 85
3 4.
71 3
4. 58
0 4.
45 2
4. 32
9 4.
21 2
4. 10
0 3.
99 3
3. 89
0 3.
79 1
3. 69
6 3.
60 5
3. 51
7 3.
43 3
3. 35
2 3.
27 4
3. 19
9 3.
12 7
3. 05
8 2.
99 1
6 5.
79 5
5. 60
1 5.
41 7
5. 24
2 5.
07 6
4. 91
7 4.
76 7
4. 62
3 4.
48 6
4. 35
5 4.
23 1
4. 11
1 3.
99 8
3. 88
9 3.
78 4
3. 68
5 3.
58 9
3. 49
8 3.
41 0
3. 32
6 7
6. 72
8 6.
47 2
6. 23
0 6.
00 2
5. 79
6 5.
58 2
5. 38
9 5.
20 6
5. 03
3 4.
96 8
4. 71
2 4.
56 4
4. 42
3 4.
28 8
4. 16
0 4.
03 9
3. 92
2 3.
81 2
3. 70
6 3.
60 5
8 7.
65 2
7. 32
5 7.
02 0
6. 73
3 6.
46 3
6. 21
0 5.
97 1
5. 74
7 5.
53 5
5. 33
5 5.
14 6
4. 96
8 4.
79 9
4. 63
9 4.
48 7
4. 34
4 4.
20 7
4. 07
8 3.
95 4
3. 83
7 9
8. 56
6 8.
16 2
7. 78
6 7.
43 5
7. 10
8 6.
80 2
6. 51
5 6.
24 7
5. 99
5 6.
75 9
5. 53
7 5.
32 8
5. 13
2 4.
94 6
4. 77
2 4.
60 7
4. 45
1 4.
30 3
4. 16
3 4.
03 1
10 9.
47 1
8. 96
3 8.
53 0
8. 11
1 7.
72 2
7. 36
0 7.
02 4
6. 71
0 6.
41 8
6. 14
5 5.
88 9
5. 65
0 5.
42 6
5. 21
6 5.
01 9
4. 83
3 4.
66 9
4. 49
4 4.
33 9
4. 19
2 11
10 .3
68 9.
78 7
9. 25
3 8.
76 0
8. 30
6 7.
88 7
7. 49
9 7.
13 9
6. 80
5 6.
49 6
6. 20
7 5.
93 8
5. 68
7 5.
45 3
5. 23
4 5.
02 9
4. 83
6 4.
65 6
4. 48
6 4.
32 7
12 11
.2 55
10 .5
75 9.
95 4
9. 38
5 9.
86 3
8. 38
4 7.
94 3
7. 53
6 7.
16 1
6. 91
4 6.
49 2
6. 19
4 5.
91 8
5. 66
0 5.
42 1
5. 19
7 4.
98 8
4. 79
3 4.
61 1
4. 43
9 13
12 .1
34 11
.3 48
10 .6
35 9.
98 6
9. 38
4 8.
85 3
8. 35
8 7.
90 4
7. 48
7 7.
10 3
6. 75
0 6.
42 4
6. 12
2 5.
84 2
5. 58
3 5.
34 2
5. 11
8 4.
91 0
4. 71
5 4.
53 3
14 13
.0 04
12 .1
06 11
.2 96
10 .5
63 9.
80 0
9. 29
5 8.
74 5
8. 24
4 7.
78 6
7. 38
7 6.
98 2
6. 62
8 6.
30 2
6. 00
2 5.
72 4
5. 46
8 5.
22 9
5. 00
8 4.
80 2
4. 61
1 15
13 .8
65 12
.8 49
11 .9
38 11
.1 18
10 .3
80 9.
71 2
9. 10
8 8.
55 9
8. 06
1 7.
60 6
7. 19
1 6.
81 1
6. 46
2 6.
14 2
5. 94
7 5.
57 5
5. 32
4 5.
09 2
4. 87
6 4.
67 5
16 14
.7 18
13 .5
78 12
.5 61
11 .6
52 10
.8 38
10 .1
06 9.
44 7
8. 85
1 8.
31 3
7. 82
4 7.
37 9
6. 97
4 6.
60 4
6. 26
5 5.
96 4
5. 66
8 5.
40 5
5. 16
2 4.
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© American Management Association. All rights reserved.
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© American Management Association. All rights reserved.