Equivalence is a fundamental concept that is the basis of personal financial planning. Any Extension consumer financial education program would need the concept to explain financial products that involve a series of payments over some length of time (pensions, fixed annuities, and mortgages). A table of annuity factors is presented that can be used in financial planning situations to explain the impact of interest rate and time length on the cash received from these financial products. A set of examples is included to illustrate use of the table. (Contains 1 table.)