288
Lookup 1 — Future value of $1 factor
Any rate, any periods — including the ones between the table gridlines.
REFERENCE TABLE · MONEY · PRINTABLE
Future Value Tables: FVIF & Annuity Factors
Two classic finance tables, computed fresh: Table 1 grows a single lump sum (FVIF = (1+i)ⁿ) and Table 2 grows a stream of equal payments (FVIFA = ((1+i)ⁿ−1)/i). Find your rate across the top, your periods down the side, multiply the factor by your dollars — or skip the grid and use the live lookups: 7% for 10 years gives a 1.9672 lump-sum factor and a 13.8164 annuity factor, so $10,000 becomes $19,672. Both tables print cleanly.
289
Lookup 2 — Future value of annuity factor
A series of equal end-of-period payments — the 401(k) contribution case.
290
Lookup 3 — Grow my money
Your dollars × the Table 1 factor — the lump-sum projection.
The tables
Reading a factor table: pick your rate across the top, your periods down the left, and multiply the factor where they meet by your dollars. Printing? Use your browser’s print command — the tables below are formatted for paper, one table per page break.
| n \u2193 \u00B7 i \u2192 | 1% | 2% | 3% | 4% | 5% | 6% | 7% | 8% | 9% | 10% | 12% | 15% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 1.0100 | 1.0200 | 1.0300 | 1.0400 | 1.0500 | 1.0600 | 1.0700 | 1.0800 | 1.0900 | 1.1000 | 1.1200 | 1.1500 |
| 2 | 1.0201 | 1.0404 | 1.0609 | 1.0816 | 1.1025 | 1.1236 | 1.1449 | 1.1664 | 1.1881 | 1.2100 | 1.2544 | 1.3225 |
| 3 | 1.0303 | 1.0612 | 1.0927 | 1.1249 | 1.1576 | 1.1910 | 1.2250 | 1.2597 | 1.2950 | 1.3310 | 1.4049 | 1.5209 |
| 4 | 1.0406 | 1.0824 | 1.1255 | 1.1699 | 1.2155 | 1.2625 | 1.3108 | 1.3605 | 1.4116 | 1.4641 | 1.5735 | 1.7490 |
| 5 | 1.0510 | 1.1041 | 1.1593 | 1.2167 | 1.2763 | 1.3382 | 1.4026 | 1.4693 | 1.5386 | 1.6105 | 1.7623 | 2.0114 |
| 6 | 1.0615 | 1.1262 | 1.1941 | 1.2653 | 1.3401 | 1.4185 | 1.5007 | 1.5869 | 1.6771 | 1.7716 | 1.9738 | 2.3131 |
| 7 | 1.0721 | 1.1487 | 1.2299 | 1.3159 | 1.4071 | 1.5036 | 1.6058 | 1.7138 | 1.8280 | 1.9487 | 2.2107 | 2.6600 |
| 8 | 1.0829 | 1.1717 | 1.2668 | 1.3686 | 1.4775 | 1.5938 | 1.7182 | 1.8509 | 1.9926 | 2.1436 | 2.4760 | 3.0590 |
| 9 | 1.0937 | 1.1951 | 1.3048 | 1.4233 | 1.5513 | 1.6895 | 1.8385 | 1.9990 | 2.1719 | 2.3579 | 2.7731 | 3.5179 |
| 10 | 1.1046 | 1.2190 | 1.3439 | 1.4802 | 1.6289 | 1.7908 | 1.9672 | 2.1589 | 2.3674 | 2.5937 | 3.1058 | 4.0456 |
| 15 | 1.1610 | 1.3459 | 1.5580 | 1.8009 | 2.0789 | 2.3966 | 2.7590 | 3.1722 | 3.6425 | 4.1772 | 5.4736 | 8.1371 |
| 20 | 1.2202 | 1.4859 | 1.8061 | 2.1911 | 2.6533 | 3.2071 | 3.8697 | 4.6610 | 5.6044 | 6.7275 | 9.6463 | 16.3665 |
| 25 | 1.2824 | 1.6406 | 2.0938 | 2.6658 | 3.3864 | 4.2919 | 5.4274 | 6.8485 | 8.6231 | 10.8347 | 17.0001 | 32.9190 |
| 30 | 1.3478 | 1.8114 | 2.4273 | 3.2434 | 4.3219 | 5.7435 | 7.6123 | 10.0627 | 13.2677 | 17.4494 | 29.9599 | 66.2118 |
| n \u2193 \u00B7 i \u2192 | 1% | 2% | 3% | 4% | 5% | 6% | 7% | 8% | 9% | 10% | 12% | 15% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 1.0000 | 1.0000 | 1.0000 | 1.0000 | 1.0000 | 1.0000 | 1.0000 | 1.0000 | 1.0000 | 1.0000 | 1.0000 | 1.0000 |
| 2 | 2.0100 | 2.0200 | 2.0300 | 2.0400 | 2.0500 | 2.0600 | 2.0700 | 2.0800 | 2.0900 | 2.1000 | 2.1200 | 2.1500 |
| 3 | 3.0301 | 3.0604 | 3.0909 | 3.1216 | 3.1525 | 3.1836 | 3.2149 | 3.2464 | 3.2781 | 3.3100 | 3.3744 | 3.4725 |
| 4 | 4.0604 | 4.1216 | 4.1836 | 4.2465 | 4.3101 | 4.3746 | 4.4399 | 4.5061 | 4.5731 | 4.6410 | 4.7793 | 4.9934 |
| 5 | 5.1010 | 5.2040 | 5.3091 | 5.4163 | 5.5256 | 5.6371 | 5.7507 | 5.8666 | 5.9847 | 6.1051 | 6.3528 | 6.7424 |
| 6 | 6.1520 | 6.3081 | 6.4684 | 6.6330 | 6.8019 | 6.9753 | 7.1533 | 7.3359 | 7.5233 | 7.7156 | 8.1152 | 8.7537 |
| 7 | 7.2135 | 7.4343 | 7.6625 | 7.8983 | 8.1420 | 8.3938 | 8.6540 | 8.9228 | 9.2004 | 9.4872 | 10.0890 | 11.0668 |
| 8 | 8.2857 | 8.5830 | 8.8923 | 9.2142 | 9.5491 | 9.8975 | 10.2598 | 10.6366 | 11.0285 | 11.4359 | 12.2997 | 13.7268 |
| 9 | 9.3685 | 9.7546 | 10.1591 | 10.5828 | 11.0266 | 11.4913 | 11.9780 | 12.4876 | 13.0210 | 13.5795 | 14.7757 | 16.7858 |
| 10 | 10.4622 | 10.9497 | 11.4639 | 12.0061 | 12.5779 | 13.1808 | 13.8164 | 14.4866 | 15.1929 | 15.9374 | 17.5487 | 20.3037 |
| 15 | 16.0969 | 17.2934 | 18.5989 | 20.0236 | 21.5786 | 23.2760 | 25.1290 | 27.1521 | 29.3609 | 31.7725 | 37.2797 | 47.5804 |
| 20 | 22.0190 | 24.2974 | 26.8704 | 29.7781 | 33.0660 | 36.7856 | 40.9955 | 45.7620 | 51.1601 | 57.2750 | 72.0524 | 102.4436 |
| 25 | 28.2432 | 32.0303 | 36.4593 | 41.6459 | 47.7271 | 54.8645 | 63.2490 | 73.1059 | 84.7009 | 98.3471 | 133.3339 | 212.7930 |
| 30 | 34.7849 | 40.5681 | 47.5754 | 56.0849 | 66.4388 | 79.0582 | 94.4608 | 113.2832 | 136.3075 | 164.4940 | 241.3327 | 434.7451 |
Worked examples
Lump sum: $5,000 at 8% for 20 years. Table 1, 8% column, 20-period row: 4.6610. $5,000 × 4.6610 = $23,305. (Check it in Lookup 3.)
Annuity: $2,000 a year at 7% for 30 years — the steady 401(k) saver. Table 2, 7% column, 30-period row: 94.4608. $2,000 × 94.4608 = $188,922. That’s the power of thirty years of contributions compounding.
Monthly compounding: 6% nominal, compounded monthly, for 5 years. Convert first: 6% ÷ 12 = 0.5% per month, 5 × 12 = 60 periods. FVIF = 1.005⁶⁰ = 1.3489, so $1,000 becomes $1,349. The golden rule: always match the rate to the period — monthly rate with monthly periods.
Output · formula · meaning
| Output | Formula | What it means |
|---|---|---|
| FVIF (Table 1) | (1 + i)ⁿ | The lump-sum multiplier: 1.9672 at 7% / 10 periods. |
| FVIFA (Table 2) | ((1 + i)ⁿ − 1) / i | The annuity multiplier: 13.8164 at 7% / 10 periods. |
| Future value | dollars × factor | $19,672 for $10,000 at 7% / 10 years. |
Who uses this
- Accounting & finance students: the tables behind half the time-value-of-money exam questions — now with a lookup for the in-between values.
- CPA / CFA candidates: drilling FVIF vs FVIFA until the distinction is automatic.
- Retirement planners: sanity-checking what thirty years of contributions actually compound into (see the $188,922 example).
- Researchers & students: standard financial-mathematics factors — cite them with the block below.
Accuracy & limitations
Factors are rounded to 4 decimals (standard table precision); the live lookups compute full precision. Tables cover a discrete grid — for rates or periods between gridlines, use the lookups. Table 2 assumes an ordinary annuity (payments at the end of each period); for an annuity due (payments at the beginning), multiply the factor by (1+i). Rates are nominal per-period rates — convert annual/monthly to match your periods. Not financial advice.
Cite this calculatorBright Side Kit. “Future Value Table: FVIF & Annuity Factors.” brightoolbox.com, 2026.
Bright Side Kit. "Future Value Table: FVIF & Annuity Factors." https://brightoolbox.com/future-value-tables/ Accessed October 23, 2026.Frequently asked questions
What is a future value interest factor (FVIF)?
The multiplier (1+i)ⁿ that turns today’s dollars into future dollars at rate i over n periods. At 7% for 10 years it’s 1.9672 — every dollar today becomes $1.97. Multiply any lump sum by its FVIF and you’re done; that’s the entire Table 1.
When do I use FVIF vs FVIFA?
FVIF (Table 1) for a single sum — one deposit growing alone. FVIFA (Table 2) for a series of equal payments — yearly 401(k) contributions, a savings plan, a sinking fund. One deposit of $10,000 at 7%/10yr uses 1.9672; ten yearly $1,000 deposits use 13.8164.
What’s an ordinary annuity vs an annuity due?
An ordinary annuity pays at the end of each period (the Table 2 assumption — most loans and savings plans). An annuity due pays at the beginning, so each payment earns one extra period: multiply the Table 2 factor by (1+i). At 7%, the 10-period due factor is 13.8164 × 1.07 = 14.7836.
My rate isn’t in the table. What now?
Use Lookup 1 or 2 above — they compute the exact factor for any rate from 0.1% to 30% and any period count. The printed tables are a convenience grid; the formulas behind them work everywhere. (The classic textbook answer: interpolate between the two nearest columns — the lookup is faster and exact.)
How do I handle monthly compounding?
Convert both numbers to months: divide the annual rate by 12, multiply the years by 12. 6% annual for 5 years becomes 0.5% for 60 periods → factor 1.3489. The rule is absolute: the rate’s period must match the count’s period, or the answer is fiction.
Why four decimal places?
That’s the standard published-table precision — enough that rounding error stays far below your input uncertainty. On $100,000, the fourth decimal moves the answer by about a dollar. The live lookups above compute at full floating-point precision if you want more.