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FRM® Formula Sheet
A curated list of essential formulas and statistical tables for the FRM® exam.

FRM® Part I Formulas

FRM® Part II Formulas

Statistical Tables

Standard Normal (Z) Table
Cumulative probabilities for the standard normal distribution, P(Z ≤ z).

How to Use the Z-Table

This table shows the area under the standard normal curve to the left of a given Z-score.

  1. Standardize your variable: Calculate the Z-score using the formula: Z = (X - μ) / σ.
  2. Find the Z-score in the table:
    • Look down the first column for the first part of your Z-score (e.g., for Z=1.25, find 1.2).
    • Look across the top row for the second decimal place (e.g., for Z=1.25, find 0.05).
  3. Read the probability: The value at the intersection of the row and column is the cumulative probability, P(Z ≤ z). For Z=1.25, this is 0.8944.
  4. For negative Z-scores: Use the symmetry of the distribution. P(Z ≤ -z) = 1 - P(Z ≤ z). For example, P(Z ≤ -1.25) = 1 - 0.8944 = 0.1056.
z0.000.010.020.030.040.050.060.070.080.09
00.50.5040.5080.5120.5160.51990.52390.52790.53190.5359
0.10.53980.54380.54780.55170.55570.55960.56360.56750.57140.5753
0.20.57930.58320.58710.5910.59480.59870.60260.60640.61030.6141
0.30.61790.62170.62550.62930.63310.63680.64060.64430.6480.6517
0.40.65540.65910.66280.66640.670.67360.67720.68080.68440.6879
0.50.69150.6950.69850.70190.70540.70880.71230.71570.7190.7224
0.60.72570.72910.73240.73570.73890.74220.74540.74860.75170.7549
0.70.7580.76110.76420.76730.77040.77340.77640.77940.78230.7852
0.80.78810.7910.79390.79670.79950.80230.80510.80780.81060.8133
0.90.81590.81860.82120.82380.82640.82890.83150.8340.83650.8389
10.84130.84380.84610.84850.85080.85310.85540.85770.85990.8621
1.10.86430.86650.86860.87080.87290.87490.8770.8790.8810.883
1.20.88490.88690.88880.89070.89250.89440.89620.8980.89970.9015
1.30.90320.90490.90660.90820.90990.91150.91310.91470.91620.9177
1.40.91920.92070.92220.92360.92510.92650.92790.92920.93060.9319
1.50.93320.93450.93570.9370.93820.93940.94060.94180.94290.9441
1.60.94520.94630.94740.94840.94950.95050.95150.95250.95350.9545
1.70.95540.95640.95730.95820.95910.95990.96080.96160.96250.9633
1.80.96410.96490.96560.96640.96710.96780.96860.96930.96990.9706
1.90.97130.97190.97260.97320.97380.97440.9750.97560.97610.9767
20.97720.97780.97830.97880.97930.97980.98030.98080.98120.9817
2.10.98210.98260.9830.98340.98380.98420.98460.9850.98540.9857
2.20.98610.98640.98680.98710.98750.98780.98810.98840.98870.989
2.30.98930.98960.98980.99010.99040.99060.99090.99110.99130.9916
2.40.99180.9920.99220.99250.99270.99290.99310.99320.99340.9936
2.50.99380.9940.99410.99430.99450.99460.99480.99490.99510.9952
2.60.99530.99550.99560.99570.99590.9960.99610.99620.99630.9964
2.70.99650.99660.99670.99680.99690.9970.99710.99720.99730.9974
2.80.99740.99750.99760.99770.99770.99780.99790.99790.9980.9981
2.90.99810.99820.99820.99830.99840.99840.99850.99850.99860.9986
30.99870.99870.99870.99880.99880.99890.99890.99890.9990.999