Six-factor table

Display accumulated, present, sinking-fund, capital-recovery, annuity future, and annuity present factors.

If calculation UI does not appear, reload with JavaScript enabled. Related context links below remain available.

Calculation specification

Reviewed on:

Formula basis

The six formulas are (1+r)^n, (1+r)^−n, r/{(1+r)^n−1}, r/{1−(1+r)^−n}, {(1+r)^n−1}/r, and {1−(1+r)^−n}/r.

Calculation method

Shows future value, present value, sinking fund, capital recovery, annuity future value, and annuity present value factors together for one rate and term.

Exclusions and checks required

  • Annuity factors assume year-end cash flows, a constant rate, and annual compounding.
  • At 0% the limiting values are used; displayed rounding can prevent reciprocal pairs from matching exactly.

Example input:：Comparing all six factors at 3% for 20 years

annualRate
3
years
20
digits
6
rounding
halfUp

These are discrete annual factors before tax and costs.

FAQ

Who is this calculator for? Six-factor table

Display accumulated, present, sinking-fund, capital-recovery, annuity future, and annuity present factors.

What values should I enter?

Applies to: Financial factors / Calculates future, present, sinking-fund, capital-recovery, annuity future, and annuity present factors together.

How should I interpret this estimate?

Shows future value, present value, sinking fund, capital recovery, annuity future value, and annuity present value factors together for one rate and term.

How to use

  1. Enter your input values and press Calculate.
  2. Review the result and compare it with expected context.
  3. The six formulas are (1+r)^n, (1+r)^−n, r/{(1+r)^n−1}, r/{1−(1+r)^−n}, {(1+r)^n−1}/r, and {1−(1+r)^−n}/r.