| Periods | 4% | 5% | 6% | 7% | 8% | 9% | 10% | 11% | 12% | 13% | 14% | 15% | 20% | 25% | 30% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 0.962 | 0.952 | 0.943 | 0.935 | 0.926 | 0.917 | 0.909 | 0.901 | 0.893 | 0.885 | 0.877 | 0.870 | 0.833 | 0.800 | 0.769 |
| 2 | 1.886 | 1.859 | 1.833 | 1.808 | 1.783 | 1.759 | 1.736 | 1.713 | 1.690 | 1.668 | 1.647 | 1.626 | 1.528 | 1.440 | 1.361 |
| 3 | 2.775 | 2.723 | 2.673 | 2.624 | 2.577 | 2.531 | 2.487 | 2.444 | 2.402 | 2.361 | 2.322 | 2.283 | 2.106 | 1.952 | 1.816 |
| 4 | 3.630 | 3.546 | 3.465 | 3.387 | 3.312 | 3.240 | 3.170 | 3.102 | 3.037 | 2.974 | 2.914 | 2.855 | 2.589 | 2.362 | 2.166 |
| 5 | 4.452 | 4.329 | 4.212 | 4.100 | 3.993 | 3.890 | 3.791 | 3.696 | 3.605 | 3.517 | 3.433 | 3.352 | 2.991 | 2.689 | 2.436 |
| 6 | 5.242 | 5.076 | 4.917 | 4.767 | 4.623 | 4.486 | 4.355 | 4.231 | 4.111 | 3.998 | 3.889 | 3.784 | 3.326 | 2.951 | 2.643 |
| 7 | 6.002 | 5.786 | 5.582 | 5.389 | 5.206 | 5.033 | 4.868 | 4.712 | 4.564 | 4.423 | 4.288 | 4.160 | 3.605 | 3.161 | 2.802 |
| 8 | 6.733 | 6.463 | 6.210 | 5.971 | 5.747 | 5.535 | 5.335 | 5.146 | 4.968 | 4.799 | 4.639 | 4.487 | 3.837 | 3.329 | 2.925 |
| 9 | 7.435 | 7.108 | 6.802 | 6.515 | 6.247 | 5.995 | 5.759 | 5.537 | 5.328 | 5.132 | 4.946 | 4.772 | 4.031 | 3.463 | 3.019 |
| 10 | 8.111 | 7.722 | 7.360 | 7.024 | 6.710 | 6.418 | 6.145 | 5.889 | 5.650 | 5.426 | 5.216 | 5.019 | 4.192 | 3.571 | 3.092 |
| 11 | 8.760 | 8.306 | 7.887 | 7.499 | 7.139 | 6.805 | 6.495 | 6.207 | 5.938 | 5.687 | 5.453 | 5.234 | 4.327 | 3.656 | 3.147 |
| 12 | 9.385 | 8.863 | 8.384 | 7.943 | 7.536 | 7.161 | 6.814 | 6.492 | 6.194 | 5.918 | 5.660 | 5.421 | 4.439 | 3.725 | 3.190 |
| 13 | 9.986 | 9.394 | 8.853 | 8.358 | 7.904 | 7.487 | 7.103 | 6.750 | 6.424 | 6.122 | 5.842 | 5.583 | 4.533 | 3.780 | 3.223 |
| 14 | 10.563 | 9.899 | 9.295 | 8.745 | 8.244 | 7.786 | 7.367 | 6.982 | 6.628 | 6.302 | 6.002 | 5.724 | 4.611 | 3.824 | 3.249 |
| 15 | 11.118 | 10.380 | 9.712 | 9.108 | 8.559 | 8.061 | 7.606 | 7.191 | 6.811 | 6.462 | 6.142 | 5.847 | 4.675 | 3.859 | 3.268 |
| 16 | 11.652 | 10.838 | 10.106 | 9.447 | 8.851 | 8.313 | 7.824 | 7.379 | 6.974 | 6.604 | 6.265 | 5.954 | 4.730 | 3.887 | 3.283 |
| 17 | 12.166 | 11.274 | 10.477 | 9.763 | 9.122 | 8.544 | 8.022 | 7.549 | 7.120 | 6.729 | 6.373 | 6.047 | 4.775 | 3.910 | 3.295 |
| 18 | 12.659 | 11.690 | 10.828 | 10.059 | 9.372 | 8.756 | 8.201 | 7.702 | 7.250 | 6.840 | 6.467 | 6.128 | 4.812 | 3.928 | 3.304 |
| 19 | 13.134 | 12.085 | 11.158 | 10.336 | 9.604 | 8.950 | 8.365 | 7.839 | 7.366 | 6.938 | 6.550 | 6.198 | 4.843 | 3.942 | 3.311 |
| 20 | 13.590 | 12.462 | 11.470 | 10.594 | 9.818 | 9.129 | 8.514 | 7.963 | 7.469 | 7.025 | 6.623 | 6.259 | 4.870 | 3.954 | 3.316 |
| 22 | 14.451 | 13.163 | 12.042 | 11.061 | 10.201 | 9.442 | 8.772 | 8.176 | 7.645 | 7.170 | 6.743 | 6.359 | 4.909 | 3.970 | 3.323 |
| 24 | 15.247 | 13.799 | 12.550 | 11.469 | 10.529 | 9.707 | 8.985 | 8.348 | 7.784 | 7.283 | 6.835 | 6.434 | 4.937 | 3.981 | 3.327 |
| 25 | 15.622 | 14.094 | 12.783 | 11.654 | 10.675 | 9.823 | 9.077 | 8.422 | 7.843 | 7.330 | 6.873 | 6.464 | 4.948 | 3.985 | 3.329 |
| 30 | 17.292 | 15.372 | 13.765 | 12.409 | 11.258 | 10.274 | 9.427 | 8.694 | 8.055 | 7.496 | 7.003 | 6.566 | 4.979 | 3.995 | 3.332 |
| 35 | 18.665 | 16.374 | 14.498 | 12.948 | 11.655 | 10.567 | 9.644 | 8.855 | 8.176 | 7.586 | 7.070 | 6.617 | 4.992 | 3.998 | 3.333 |
| 40 | 19.793 | 17.159 | 15.046 | 13.332 | 11.925 | 10.757 | 9.779 | 8.951 | 8.244 | 7.634 | 7.105 | 6.642 | 4.997 | 3.999 | 3.333 |
Note: The present value (PV) annuity factor for N periods and a rate of r per period = [1 − (1 + r)−N] ÷ r. For example, for N = 5 and r = 0.10, the PV annuity factor = 3.791 (rounded).