Financial Calculations
Interest = Time = Annuity
OR
8% 20 $ $ 200.00 1,000.00
$ $ $ $ $ $ $ $ $ $ $ $ $ $ Amount 4,660.96 4,801.02 4,875.44 4,926.80 4,952.16 Amount 9,152.39 Amount 101.85 25.16 8.36 Amount 214.55 1,963.63 21.85 15,781.59 25,454.63 Factor 4.661 4.801 4.875 4.927 4.952 Factor 45.762 Factor 0.102 0.025 0.008 Factor 0.215 9.818 0.022 78.908 127.273
Years Per Year
Lumpsum amount
Lumpsum amount only Compound Interest: Compounded annually Compounded semiannually Compounded quarterly Compounded monthly Compounded daily Compound Interest: Compounded annually Amortization: Annual payments Quarterly payments Monthly payments
Annuity only Lumpsum amount only
Lumpsum amount only Annuity only Lumpsum amount only Annuity only Annuity only
1 2
Other Interest and Annuity factors: 1 Present value of 1 2 Present Value of Annuity 3 Sinking Fund 4 Present Value of Increasing Annuity 5 Present Value of Decreasing Annuity
Equivalent value, in today's dollar, of a lumps received in the future. Equivalent value, in today's dollar, of a series of payments made over a number of years (annuity). 3 Annual amount of deposit needed to reach the specified lumpsum amount . 4 Equivalent value, in today's dollar, of a series of increasing payments (increasing annuity). 5 Equivalent value, in today's dollar, of a series of decreasing payments (decreasing annuity).