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Present / Future Values tables

Present value of a lump sum
What if you know you will need $10,000 accumulated 10 years from now? How much money do you need to invest today at an average interest rate of 8% to obtain your goal? Looking at the table below, go to 10 years then across to 8%. You will see that $463 invested today should yield you $1,000 in 10 years. since you want $10,000 you multiply 463 by 10 to arrive at $4,630.
Years	5% avg interest rate	6% avg interest rate	8% avg interest rate	10% avg interest rate	12% avg interest rate
10	614	558	463	386	322
20	377	312	215	149	104
30	231	174	99	57	33
40	142	97	46	22	11
future value of a lump sum
if you invest %10,000 today at an interest rate of 8%, how much will your investment be worth in 10 years? By referring to the table below, you find that $1,000 invested today at 8% would grow to $2,159 in 10 years. Since you invested $10,000, you multiply $2,159 by 10 giving you $21,590.
years	5%	6%	8%	10%	12%
10	1,629	1,791	2,159	2,594	3,105
20	2,653	3,207	4,661	6,727	9,646
30	4,322	5,743	10,063	17,449	29,959
40	7,040	10,286	21,725	45,259	93,051
Present value of a series of annual payments
How much money would you have to invest today at an average interest rate of 8% to provide $10,000 per year for 10 years? Looking at the table below, to receive $1,000 per year for 10 years at 8%, you would need to invest 6,710. You want $10,000 so you multiply that by 10 to get $67,100 as the amount you need to invest today.
years	5%	6%	8%	10%	12%
10	7,722	7,360	6,710	6,144	5,650
20	12,462	11,470	9,818	8,513	7,469
30	15,372	13,765	11,258	9,427	8,055
40	17,159	15,046	11,925	9,779	8,244
Future value of a series of annual payments
If you deposit $10,000 in an annuity at the end of each year for 10 years at an 8% average interest rate, How much you would have in your account at the end of the tenth year? From the table below you go to 10 years then across to 8 % and multiply by 10 to get $144,870!
years	5%	6%	8%	10%	12%
10	12,578	13,181	14,487	15,937	17,549
20	33,066	36,786	45,762	57,275	72,052
30	66,439	79,058	113,283	164,494	241,333
40	120,800	154,762	259,057	442,593	767,091

This is a hypothetical illustration and is not intended to reflect the actual performance of any particular security. Results will vary and cannot be guaranteed.