Present Value of $1 Table

A present value of $1 table is very useful for listing the discount rates that are used for a variety of interest rate (i) and time period (n) combinations. This is also known as a present value interest factor (PVIF).

The discount rate in the PVIF table can then be multiplied by the cash amount to be received at a future date, and the result will be the present value of that sum.

Use the form below to generate your own present value of 1 table that can be printed or downloaded for use in Excel.

Interest Rates (i): Columns
%
%
Periods (n): Rows
n 1% 2% 3% 4% 5% 6% 7% 8% 9% 10%
1 0.9901 0.9804 0.9709 0.9615 0.9524 0.9434 0.9346 0.9259 0.9174 0.9091
2 0.9803 0.9612 0.9426 0.9246 0.9070 0.8900 0.8734 0.8573 0.8417 0.8264
3 0.9706 0.9423 0.9151 0.8890 0.8638 0.8396 0.8163 0.7938 0.7722 0.7513
4 0.9610 0.9238 0.8885 0.8548 0.8227 0.7921 0.7629 0.7350 0.7084 0.6830
5 0.9515 0.9057 0.8626 0.8219 0.7835 0.7473 0.7130 0.6806 0.6499 0.6209
6 0.9420 0.8880 0.8375 0.7903 0.7462 0.7050 0.6663 0.6302 0.5963 0.5645
7 0.9327 0.8706 0.8131 0.7599 0.7107 0.6651 0.6227 0.5835 0.5470 0.5132
8 0.9235 0.8535 0.7894 0.7307 0.6768 0.6274 0.5820 0.5403 0.5019 0.4665
9 0.9143 0.8368 0.7664 0.7026 0.6446 0.5919 0.5439 0.5002 0.4604 0.4241
10 0.9053 0.8203 0.7441 0.6756 0.6139 0.5584 0.5083 0.4632 0.4224 0.3855
11 0.8963 0.8043 0.7224 0.6496 0.5847 0.5268 0.4751 0.4289 0.3875 0.3505
12 0.8874 0.7885 0.7014 0.6246 0.5568 0.4970 0.4440 0.3971 0.3555 0.3186
13 0.8787 0.7730 0.6810 0.6006 0.5303 0.4688 0.4150 0.3677 0.3262 0.2897
14 0.8700 0.7579 0.6611 0.5775 0.5051 0.4423 0.3878 0.3405 0.2992 0.2633
15 0.8613 0.7430 0.6419 0.5553 0.4810 0.4173 0.3624 0.3152 0.2745 0.2394
16 0.8528 0.7284 0.6232 0.5339 0.4581 0.3936 0.3387 0.2919 0.2519 0.2176
17 0.8444 0.7142 0.6050 0.5134 0.4363 0.3714 0.3166 0.2703 0.2311 0.1978
18 0.8360 0.7002 0.5874 0.4936 0.4155 0.3503 0.2959 0.2502 0.2120 0.1799
19 0.8277 0.6864 0.5703 0.4746 0.3957 0.3305 0.2765 0.2317 0.1945 0.1635
20 0.8195 0.6730 0.5537 0.4564 0.3769 0.3118 0.2584 0.2145 0.1784 0.1486
21 0.8114 0.6598 0.5375 0.4388 0.3589 0.2942 0.2415 0.1987 0.1637 0.1351
22 0.8034 0.6468 0.5219 0.4220 0.3418 0.2775 0.2257 0.1839 0.1502 0.1228
23 0.7954 0.6342 0.5067 0.4057 0.3256 0.2618 0.2109 0.1703 0.1378 0.1117
24 0.7876 0.6217 0.4919 0.3901 0.3101 0.2470 0.1971 0.1577 0.1264 0.1015
25 0.7798 0.6095 0.4776 0.3751 0.2953 0.2330 0.1842 0.1460 0.1160 0.0923

The above table is a matrix where you can choose the number of periods in the left hand column, and then find the interest factor in the interest rate column for that same row.

You can print this table (or save it as a PDF) or download an Excel spreadsheet of the table for your own personal use.

Frequently Asked Questions

What is a present value of 1 table?

A present value of 1 table is a table that lists the discount rates used for a variety of interest rate and time period combinations. This table is also known as a present value interest factor (PVIF) table.

How do you find the present value of a table?

To find the present value of a table, you need to multiply the cash amount to be received at a future date by the discount rate in the PVIF table. This will give you the present value of that sum.

How do you find the present value of 1?

To find the present value of 1, you need to find the discount rate that is used for a one-year period and an interest rate of 0%. This discount rate can be found in the PVIF table. Once you have located this discount rate, you can multiply it by the cash amount to be received at a future date to calculate the present value of that sum.

What are the benefits of using a present value of 1 table?

There are many benefits to using a present value of 1 table. Some of these benefits include: The ability to calculate the present value of a variety of sums, the ability to compare different interest rates and time periods, and the ability to use different cash amounts. Additionally, this table can help you make more informed financial decisions. By being able to accurately calculate the present value of a sum, you can better understand the long-term effects of different investments.

What is the present value of 1,000?

To find the present value of 1,000, you need to locate the discount rate that is used for a one-year period and an interest rate of 0%. This discount rate can be found in the PVIF table. Once you have located this discount rate, you can multiply it by the cash amount to be received at a future date to calculate the present value of that sum. In this case, the present value of 1,000 would be 971.43.