年金现值系数表
表格名称：年金现值系数表
期数 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20% 21% 22% 23% 24% 25% 26% 27% 28% 29% 30%
1 0.9901 0.9804 0.9709 0.9615 0.9524 0.9434 0.9346 0.9259 0.9174 0.9091 0.9009 0.8929 0.8850 0.8772 0.8696 0.8621 0.8547 0.8475 0.8403 0.8333 0.8264 0.8197 0.8130 0.8065 0.8000 0.7937 0.7874 0.7813 0.7752 0.7692
2 1.9704 1.9416 1.9135 1.8861 1.8594 1.8334 1.8080 1.7833 1.7591 1.7355 1.7125 1.6901 1.6681 1.6467 1.6257 1.6052 1.5852 1.5656 1.5465 1.5278 1.5095 1.4915 1.4740 1.4568 1.4400 1.4235 1.4074 1.3916 1.3761 1.3609
3 2.9410 2.8839 2.8286 2.7751 2.7232 2.6730 2.6243 2.5771 2.5313 2.4869 2.4437 2.4018 2.3612 2.3216 2.2832 2.2459 2.2096 2.1743 2.1399 2.1065 2.0739 2.0422 2.0114 1.9813 1.9520 1.9234 1.8956 1.8684 1.8420 1.8161
4 3.9020 3.8077 3.7171 3.6299 3.5460 3.4651 3.3872 3.3121 3.2397 3.1699 3.1024 3.0373 2.9745 2.9137 2.8550 2.7982 2.7432 2.6901 2.6386 2.5887 2.5404 2.4936 2.4483 2.4043 2.3616 2.3202 2.2800 2.2410 2.2031 2.1662
5 4.8534 4.7135 4.5797 4.4518 4.3295 4.2124 4.1002 3.9927 3.8897 3.7908 3.6959 3.6048 3.5172 3.4331 3.3522 3.2743 3.1993 3.1272 3.0576 2.9906 2.9260 2.8636 2.8035 2.7454 2.6893 2.6351 2.5827 2.5320 2.4830 2.4356
6 5.7955 5.6014 5.4172 5.2421 5.0757 4.9173 4.7665 4.6229 4.4859 4.3553 4.2305 4.1114 3.9975 3.8887 3.7845 3.6847 3.5892 3.4976 3.4098 3.3255 3.2446 3.1669 3.0923 3.0205 2.9514 2.8850 2.8210 2.7594 2.7000 2.6427
7 6.7282 6.4720 6.236.0021 5.7864 5.5824 5.385.2064 5.0330 4.4.714.5638 4.4226 4.4.1604 4.0386 3.9224 3.3.7057 3.6046 3.5079 3.3.3270 3.2423 3.1611 3.3.0087 2.9370 2.8682 2.03 93 8684 22 2883 8115 4155 0833 8021
8 7.6517 7.3255 7.0197 6.7327 6.4632 6.2098 5.9713 5.7466 5.5348 5.3349 5.1461 4.9676 4.7988 4.6389 4.4873 4.3436 4.2072 4.0776 3.9544 3.8372 3.7256 3.6193 3.5179 3.4212 3.3289 3.2407 3.1564 3.0758 2.9986 2.9247
9 8.5660 8.1622 7.7861 7.4353 7.1078 6.8017 6.5152 6.2469 5.9952 5.7590 5.5370 5.3282 5.1317 4.9464 4.7716 4.6065 4.4506 4.3030 4.1633 4.0310 3.9054 3.7863 3.6731 3.5655 3.4631 3.3657 3.2728 3.1842 3.0997 3.0190
10 9.4713 8.9826 8.5302 8.1109 7.7217 7.3601 7.0236 6.7101 6.4177 6.1446 5.8892 5.6502 5.4262 5.2161 5.0188 4.8332 4.6586 4.4941 4.3389 4.1925 4.0541 3.9232 3.7993 3.6819 3.5705 3.4648 3.3644 3.2689 3.1781 3.0915
11 10.3676 9.7868 9.2526 8.7605 8.3064 7.8869 7.4987 7.1390 6.8052 6.4951 6.2065 5.9377 5.6869 5.4527 5.2337 5.0286 4.8364 4.6560 4.4865 4.3271 4.1769 4.0354 3.9018 3.7757 3.6564 3.5435 3.4365 3.3351 3.2388 3.1473
12 11.2551 10.5753 9.9540 9.3851 8.8633 8.3838 7.9427 7.5361 7.1607 6.8137 6.4924 6.1944 5.9176 5.6603 5.4206 5.1971 4.9884 4.7932 4.6105 4.4392 4.2784 4.1274 3.9852 3.8514 3.7251 3.6059 3.4933 3.3868 3.2859 3.1903
13 12.1337 11.3484 10.6350 9.9856 9.3936 8.8527 8.3577 7.9038 7.4869 7.1034 6.7499 6.4235 6.1218 5.8424 5.5831 5.3423 5.1183 4.9095 4.7147 4.5327 4.3624 4.2028 4.0530 3.9124 3.7801 3.6555 3.5381 3.4272 3.3224 3.2233
14 13.0037 12.1062 11.2961 10.5631 9.8986 9.2950 8.7455 8.2442 7.7862 7.366.9819 6.6282 6.3025 6.005.7245 5.4675 5.2293 5.004.8023 4.6106 4.4317 4.264.1082 3.9616 3.8241 3.693.5733 3.4587 3.3507 3.2467 21 81 46 49 87
15 13.8651 12.8493 11.9379 11.1184 10.3797 9.7122 9.1079 8.5595 8.0607 7.6061 7.1909 6.8109 6.4624 6.1422 5.8474 5.5755 5.3242 5.0916 4.8759 4.6755 4.4890 4.3152 4.1530 4.0013 3.8593 3.7261 3.6010 3.4834 3.3726 3.2682
16 14.7179 13.5777 12.5611 11.6523 10.8378 10.1059 9.4466 8.8514 8.3126 7.8237 7.3792 6.9740 6.6039 6.2651 5.9542 5.6685 5.4053 5.1624 4.9377 4.7296 4.5364 4.3567 4.1894 4.0333 3.8874 3.7509 3.6228 3.5026 3.3896 3.2832
17 15.5623 14.2919 13.1661 12.1657 11.2741 10.4773 9.7632 9.1216 8.5436 8.0216 7.5488 7.1196 6.7291 6.3729 6.0472 5.7487 5.4746 5.2223 4.9897 4.7746 4.5755 4.3908 4.2190 4.0591 3.9099 3.7705 3.6400 3.5177 3.4028 3.2948
18 16.3983 14.9920 13.7535 12.6593 11.6896 10.8276 10.0591 9.3719 8.7556 8.2014 7.7016 7.2497 6.8399 6.4674 6.1280 5.8178 5.5339 5.2732 5.0333 4.8122 4.6079 4.4187 4.2431 4.0799 3.9279 3.7861 3.6536 3.5294 3.4130 3.3037
19 17.2260 15.6785 14.3238 13.1339 12.0853 11.1581 10.3356 9.6036 8.9501 8.3649 7.8393 7.3658 6.9380 6.5504 6.1982 5.8775 5.5845 5.3162 5.0700 4.8435 4.6346 4.4415 4.2627 4.0967 3.9424 3.7985 3.6642 3.5386 3.4210 3.3105
20 18.0456 16.3514 14.8775 13.5903 12.4622 11.4699 10.5940 9.8181 9.1285 8.5136 7.9633 7.4694 7.0248 6.6231 6.2593 5.9288 5.6278 5.3527 5.1009 4.8696 4.6567 4.4603 4.2786 4.1103 3.9539 3.8083 3.6726 3.5458 3.4271 3.3158
21 18.8570 17.0112 15.4150 14.0292 12.8212 11.7641 10.8355 10.0168 9.2922 8.648.0751 7.5620 7.1016 6.686.3125 5.9731 5.6648 5.385.1268 4.8913 4.6750 4.474.2916 4.1212 3.9631 3.813.6792 3.5514 3.4319 3.31
年金现值、终值系数表
1%2%3%4%5%6%7%8%9%10%11%12%13%14%15%
11.011.021.031.041.051.061.071.081.091.11.111.121.131.141.15
21.021.041.0611.0821.1031.1241.1451.1661.1881.211.2321.2541.2771.31.323
31.031.0611.0931.1251.1581.1911.2251.261.2951.3311.3681.4051.4431.4821.521
41.0411.0821.1261.171.2161.2621.3111.361.4121.4641.5181.5741.631.6891.749
51.0511.1041.1591.2171.2761.3381.4031.4691.5391.6111.6851.7621.8421.9252.011
61.0621.1261.1941.2651.341.4191.5011.5871.6771.7721.871.9742.0822.1952.313
71.0721.1491.231.3161.4071.5041.6061.7141.8281.9492.0762.2112.3532.5022.66
81.0831.1721.2671.3691.4771.5941.7181.8511.9932.1442.3052.4762.6582.8533.059
91.0941.1951.3051.4231.5511.6891.8381.9992.1722.3582.5582.7733.0043.2523.518
101.1051.2191.3441.481.6291.7911.9672.1592.3672.5942.8393.1063.3953.7074.046
111.1161.2431.3841.5391.711.8982.1052.3322.582.8533.1523.4793.8364.2264.652
(完整版)年金现值、年金终值、复利现值、复利终值系数表
年金现值
期数 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 1.9704 1.9416 1.9135 1.8861 1.8594 1.8334 1.808 1.7833 1.7591 1.7355
3 2.941 2.8839 2.8286 2.7751 2.7232 2.673 2.6243 2.5771 2.5313 2.4869
4 3.902 3.8077 3.7171 3.6299 3.546 3.4651 3.3872 3.3121 3.2397 3.1699
5 4.8534 4.7135 4.5797 4.4518 4.3295 4.2124 4.1002 3.9927 3.8897 3.7908
6 5.7955 5.6014 5.4172 5.2421 5.0757 4.9173 4.7665 4.6229 4.4859 4.3553
7 6.7282 6.472 6.2303 6.0021 5.7864 5.5824 5.3893 5.2064 5.033 4.8684
8 7.6517 7.3255 7.0197 6.7327 6.4632 6.2098 5.9713 5.7466 5.5348 5.3349
9 8.566 8.1622 7.7861 7.4353 7.1078 6.8017 6.5152 6.2469 5.9952 5.759
10 9.4713 8.9826 8.5302 8.1109 7.7217 7.3601 7.0236 6.7101 6.4177 6.1446
11 10.3676 9.7868 9.2526 8.7605 8.3064 7.8869 7.4987 7.139 6.8052 6.4951
财管年金现值系数表
财管年金现值系数表
摘要：
1.什么是年金现值系数
2.年金现值系数的计算方法
3.年金现值系数的应用举例
4.财管年金现值系数表的含义和作用
正文：
一、什么是年金现值系数
年金现值系数是指一定期间内每期期末等额的系列收付款项的现值之和，叫后付年金现值。后付年金现值的符号为 pva，也可以简写为 pvifa。年金现值系数是金融学和财务管理领域中一个非常重要的概念，它在评估投资项目、计算贷款额度、制定财务计划等方面具有广泛的应用。
二、年金现值系数的计算方法
计算年金现值系数一般采用公式：pva = (1 - (1 + i)^(-n)) / i，其中 i 表示报酬率，n 表示期数。这个公式实际上是普通年金现值的计算公式，因为年金现值系数就是普通年金现值除以年金金额。
三、年金现值系数的应用举例
举例来说，假设你每年年底收到 10000 元的养老金，年金期限为 10
年，年利率为 5%。我们可以通过计算年金现值系数来评估这笔年金的现值。根据公式，年金现值系数为：pva = (1 - (1 + 0.05)^(-10)) / 0.05 ≈ 6.1051。因此，这笔年金的现值约为：10000 * 6.1051 ≈ 61051 元。 四、财管年金现值系数表的含义和作用
财管年金现值系数表是一个整理了不同报酬率和期数下年金现值系数的表格，它可以方便地查阅年金现值系数的数值。在实际应用中，财管年金现值系数表可以帮助财务管理人员快速计算年金的现值，从而更好地进行投资决策和财务规划。例如，在评估一个投资项目的盈利能力时，可以通过比较项目的现金流量与投资的年金现值，来判断项目是否值得投资。
总之，年金现值系数是一个重要的财务概念，它在金融和财务管理领域具有广泛的应用。
普通年金现值系数表
n1%2%3%4%5%6%8%10%12%14%15%16%18%20%22%24%25%
10.990.980.970.9610.9520.9430.9250.9090.8920.8770.8690.8620.8470.8330.8190.8060.799
21.971.9411.9131.8861.8591.8331.7831.7351.691.6461.6251.6051.5651.5271.4911.4561.44
32.942.8832.8282.7752.7232.6732.5772.4862.4012.3212.2832.2452.1742.1062.0421.9811.952
43.9013.8073.7173.6293.5453.4653.3123.1693.0372.9132.8542.7982.692.5882.4932.4042.361
54.8534.7134.5794.4514.3294.2123.9923.793.6043.4333.3523.2743.1272.992.8632.7452.689
65.7955.6015.4175.2425.0754.9174.6224.3554.1113.8883.7843.6843.4973.3253.1663.022.951
76.7286.4716.236.0025.7865.5825.2064.8684.5634.2884.164.0383.8113.6043.4153.2423.161
87.6517.3257.0196.7326.4636.2095.7465.3344.9674.6384.4874.3434.0773.8373.6193.4213.328
98.5668.1627.7867.4357.1076.8016.2465.7595.3284.9464.7714.6064.3034.033.7863.5653.463
109.4718.9828.538.117.7217.366.716.1445.655.2165.0184.8334.4944.1923.9233.6813.57
年金现值_年金终值_一元复利现值_一元复利终值_四个系数表,1-50年,超详细,直接打印
期数1%2%3%4%5%6%7%8%9%10%11.01001.02001.03001.04001.05001.06001.07001.08001.09001.100021.02011.04041.06091.08161.10251.12361.14491.16641.18811.210031.03031.06121.09271.12491.15761.19101.22501.25971.29501.331041.04061.08241.12551.16991.21551.26251.31081.36051.41161.464151.05101.10411.15931.21671.27631.33821.40261.46931.53861.610561.06151.12621.19411.26531.34011.41851.50071.58691.67711.771671.07211.14871.22991.31591.40711.50361.60581.71381.82801.948781.08291.17171.26681.36861.47751.59381.71821.85091.99262.143691.09371.19511.30481.42331.55131.68951.83851.99902.17192.3579101.10461.21901.34391.48021.62891.79081.96722.15892.36742.5937111.11571.24341.38421.53951.71031.89832.10492.33162.58042.8531121.12681.26821.42581.60101.79592.01222.25222.51822.81273.1384131.13811.29361.46851.66511.88562.13292.40982.71963.06583.4523141.14951.31951.51261.73171.97992.26092.57852.93723.34173.7975151.16101.34591.55801.80092.07892.39662.75903.17223.64254.1772161.17261.37281.60471.87302.18292.54042.95223.42593.97034.5950171.18431.40021.65281.94792.29202.69283.15883.70004.32765.0545181.19611.42821.70242.02582.40662.85433.37993.99604.71715.5599191.20811.45681.75352.10682.52703.02563.61654.31575.14176.1159201.22021.48591.80612.19112.65333.20713.86974.66105.60446.7275211.23241.51571.86032.27882.78603.39964.14065.03386.10887.4002221.24471.54601.91612.36992.92533.60354.43045.43656.65868.1403231.25721.57691.97362.46473.07153.81974.74055.87157.25798.9543241.26971.60842.03282.56333.22514.04895.07246.34127.91119.8497251.28241.64062.09382.66583.38644.29195.42746.84858.623110.8347261.29531.67342.15662.77253.55574.54945.80747.39649.399211.9182271.30821.70692.22132.88343.73354.82236.21397.988110.245113.1100281.32131.74102.28792.99873.92015.11176.64888.627111.167114.4210291.33451.77582.35663.11874.11615.41847.11439.317312.172215.8631301.34781.81142.42733.24344.32195.74357.612310.062713.267717.4494311.36131.84762.50013.37314.53806.08818.145110.867714.461819.1943321.37491.88452.57513.50814.76496.45348.715311.737115.763321.1138331.38871.92222.65233.64845.00326.84069.325312.676017.182023.2252341.40261.96072.73193.79435.25337.25109.978113.690118.728425.5477351.41661.99992.81393.94615.51607.686110.676614.785320.414028.1024361.43082.03992.89834.10395.79188.147311.423915.968222.251230.9127371.44512.08072.98524.26816.08148.636112.223617.245624.253834.0039381.45952.12233.07484.43886.38559.154313.079318.625326.436737.4043391.47412.16473.16704.61646.70489.703513.994820.115328.816041.1448401.48892.20803.26204.80107.040010.285714.974521.724531.409445.2593411.50382.25223.35994.99317.392010.902916.022723.462534.236349.7852421.51882.29723.46075.19287.761611.557017.144325.339537.317554.7637431.53402.34323.56455.40058.149712.250518.344427.366640.676160.2401441.54932.39013.67155.61658.557212.985519.628529.556044.337066.2641451.56482.43793.78165.84128.985013.764621.002531.920448.327372.8905461.58052.48663.89506.07489.434314.590522.472634.474152.676780.1795471.59632.53634.01196.31789.906015.465924.045737.232057.417688.1975481.61222.58714.13236.570510.401316.393925.728940.210662.585297.0172491.62832.63884.25626.833310.921317.377527.529943.427468.2179106.7190501.64462.69164.38397.106711.467418.420229.457046.901674.3575117.3909601.81673.28105.891610.519618.679232.987757.9464101.2571176.0313304.4816一元复利终值系数表期数11%12%13%14%15%16%17%18%19%20%11.11001.12001.13001.14001.15001.16001.17001.18001.19001.200021.23211.25441.27691.29961.32251.34561.36891.39241.41611.440031.36761.40491.44291.48151.52091.56091.60161.64301.68521.728041.51811.57351.63051.68901.74901.81061.87391.93882.00532.073651.68511.76231.84241.92542.01142.10032.19242.28782.38642.488361.87041.97382.08202.19502.31312.43642.56522.69962.83982.986072.07622.21072.35262.50232.66002.82623.00123.18553.37933.583282.30452.47602.65842.85263.05903.27843.51153.75894.02144.299892.55802.77313.00403.25193.51793.80304.10844.43554.78545.1598102.83943.10583.39463.70724.04564.41144.80685.23385.69476.1917113.15183.47853.83594.22624.65245.11735.62406.17596.77677.4301123.49853.89604.33454.81795.35035.93606.58017.28768.06428.9161133.88334.36354.89805.49246.15286.88587.69878.59949.596410.6993144.31044.88715.53486.26137.07577.98759.007510.147211.419812.8392154.78465.47366.25437.13798.13719.265510.538711.973713.589515.4070165.31096.13047.06738.13729.357610.748012.330314.129016.171518.4884175.89516.86607.98619.276510.761312.467714.426516.672219.244122.1861186.54367.69009.024310.575212.375514.462516.879019.673322.900526.6233197.26338.612810.197412.055714.231816.776519.748423.214427.251631.9480208.06239.646311.523113.743516.366519.460823.105627.393032.429438.3376218.949210.803813.021115.667618.821522.574527.033632.323838.591046.0051229.933612.100314.713817.861021.644726.186431.629338.142145.923355.20612311.026313.552316.626620.361624.891530.376237.006245.007654.648766.24742412.239215.178618.788123.212228.625235.236443.297353.109065.032079.49682513.585517.000121.230526.461932.919040.874250.657862.668677.388195.39622615.079919.040123.990530.166637.856847.414159.269773.949092.0918114.47552716.738621.324927.109334.389943.535355.000469.345587.2598109.5893137.37062818.579923.883930.633539.204550.065663.800481.1342102.9666130.4112164.84472920.623726.749934.615844.693157.575574.008594.9271121.5005155.1893197.81363022.892329.959939.115950.950266.211885.8499111.0647143.3706184.6753237.37633125.410433.555144.201058.083276.143599.5859129.9456169.1774219.7636284.85163228.205637.581749.947166.214887.5651115.5196152.0364199.6293261.5187341.82193331.308242.091556.440275.4849100.6998134.0027177.8826235.5625311.2073410.18633434.752147.142563.777486.0528115.8048155.4432208.1226277.9638370.3366492.22353538.574952.799672.068598.1002133.1755180.3141243.5035327.9973440.7006590.66823642.818159.135681.4374111.8342153.1519209.1643284.8991387.0368524.4337708.80193747.528166.231892.0243127.4910176.1246242.6306333.3319456.7034624.0761850.56223852.756274.1797103.9874145.3397202.5433281.4515389.9983538.9100742.65061020.67473958.559383.0812117.5058165.6873232.9248326.4838456.2980635.9139883.75421224.80964065.000993.0510132.7816188.8835267.8635378.7212533.8687750.37831051.66751469.77164172.1510104.2171150.0432215.3272308.0431439.3165624.6264885.44641251.48431763.72594280.0876116.7231169.5488245.4730354.2495509.6072730.81291044.82681489.26642116.47114388.8972130.7299191.5901279.8392407.3870591.1443855.05111232.89561772.22702539.76534498.6759146.4175216.4968319.0167468.4950685.72741000.40981454.81682108.95013047.718345109.5302163.9876244.6414363.6791538.7693795.44381170.47941716.68392509.65063657.262046121.5786183.6661276.4448414.5941619.5847922.71481369.46092025.68702986.48424388.714447134.9522205.7061312.3826472.6373712.52241070.34921602.26932390.31063553.91625266.457348149.7970230.3908352.9923538.8065819.40071241.60511874.65502820.56654229.16036319.748749166.2746258.0377398.8813614.2395942.31081440.26192193.34643328.26855032.70087583.698550184.5648289.0022450.7359700.23301083.65741670.70382566.21533927.35695988.91399100.438260524.0572897.59691530.05352595.91874383.99877370.201412335.356520555.140034104.970956347.5144一元复利终值系数表( 续一 )
年金现值系数表
年金现值系数表期数 利率1.00%2.00%3.00%4.00%5.00%6.00%7.00%8.00%10.99010.98040.97090.96150.95240.94340.93460.925921.97041.94161.91351.88611.85941.83341.80801.783332.94102.88392.82862.77512.72322.67302.62432.577143.90203.80773.71713.62993.54603.46513.38723.312154.85344.71354.57974.45184.32954.21244.10023.992765.79555.60145.41725.24215.07574.91734.76654.622976.72826.47206.23036.00215.78645.58245.38935.206487.65177.32557.01976.73276.46326.20985.97135.746698.56608.16227.78617.43537.10786.80176.51526.2469109.47138.98268.53028.11097.72177.36017.02366.71011110.36769.78689.25268.76058.30647.88697.49877.13901211.255110.57539.95409.38518.86338.38387.94277.53611312.133711.348410.63509.98569.39368.85278.35777.90381413.003712.106211.296110.56319.89869.29508.74558.24421513.865112.849311.937911.118410.37979.71229.10798.55951614.717913.577712.561111.652310.837810.10599.44668.85141715.562314.291913.166112.165711.274110.47739.76329.12161816.398314.992013.753512.659311.689610.827610.05919.37191917.226015.678514.323813.133912.085311.158110.33569.60362018.045616.351414.877513.590312.462211.469910.59409.81812118.857017.011215.415014.029212.821211.764110.835510.01682219.660417.658015.936914.451113.163012.041611.061210.20072320.455818.292216.443614.856813.488612.303411.272210.37112421.243418.913916.935515.247013.798612.550411.469310.52882522.023219.523517.413115.622114.093912.783411.653610.67489.00%10.00%11.00%12.00%13.00%14.00%15.00%16.00%17.00%0.91740.90910.90090.89290.88500.87720.86960.86210.85471.75911.73551.71251.69011.66811.64671.62571.60521.58522.53132.48692.44372.40182.36122.32162.28322.24592.20963.23973.16993.10243.03732.97452.91372.85502.79822.74323.88973.79083.69593.60483.51723.43313.35223.27433.19934.48594.35534.23054.11143.99753.88873.78453.68473.58925.03304.86844.71224.56384.42264.28834.16044.03863.92245.53485.33495.14614.96764.79884.63894.48734.34364.20725.99525.75905.53705.32825.13174.94644.77164.60654.45066.41776.14465.88925.65025.42625.21615.01884.83324.65866.80526.49516.20655.93775.68695.45275.23375.02864.83647.16076.81376.49246.19445.91765.66035.42065.19714.98847.48697.10346.74996.42356.12185.84245.58315.34235.11837.78627.36676.98196.62826.30256.00215.72455.46755.22938.06077.60617.19096.81096.46246.14225.84745.57555.32428.31267.82377.37926.97406.60396.26515.95425.66855.40538.54368.02167.54887.11966.72916.37296.04725.74875.47468.75568.20147.70167.24976.83996.46746.12805.81785.53398.95018.36497.83937.36586.93806.55046.19825.87755.58459.12858.51367.96337.46947.02486.62316.25935.92885.62789.29228.64878.07517.56207.10166.68706.31255.97315.66489.44248.77158.17577.64467.16956.74296.35876.01135.69649.58028.88328.26647.71847.22976.79216.39886.04425.72349.70668.98478.34817.78437.28296.83516.43386.07265.74659.82269.07708.42177.84317.33006.87296.46416.09715.766218.00%19.00%20.00%21.00%22.00%23.00%24.00%25.00%26.00%0.84750.84030.83330.82640.81970.81300.80650.80000.79371.56561.54651.52781.50951.49151.47401.45681.44001.42352.17432.13992.10652.07392.04222.01141.98131.95201.92342.69012.63862.58872.54042.49362.44832.40432.36162.32023.12723.05762.99062.92602.86362.80352.74542.68932.63513.49763.40983.32553.24463.16693.09233.02052.95142.88503.81153.70573.60463.50793.41553.32703.24233.16113.08334.07763.95443.83723.72563.61933.51793.42123.32893.24074.30304.16334.03103.90543.78633.67313.56553.46313.36574.49414.33894.19254.05413.92323.79933.68193.57053.46484.65604.48654.32714.17694.03543.90183.77573.65643.54354.79324.61054.43924.27844.12743.98523.85143.72513.60594.90954.71474.53274.36244.20284.05303.91243.78013.65555.00814.80234.61064.43174.26464.10823.96163.82413.69495.09164.87594.67554.48904.31524.15304.00133.85933.72615.16244.93774.72964.53644.35674.18944.03333.88743.75095.22234.98974.77464.57554.39084.21904.05913.90993.77055.27325.03334.81224.60794.41874.24314.07993.92793.78615.31625.07004.84354.63464.44154.26274.09673.94243.79855.35275.10094.86964.65674.46034.27864.11033.95393.80835.38375.12684.89134.67504.47564.29164.12123.96313.81615.40995.14864.90944.69004.48824.30214.13003.97053.82235.43215.16684.92454.70254.49854.31064.13713.97643.82735.45095.18224.93714.71284.50704.31764.14283.98113.83125.46695.19514.94764.72134.51394.32324.14743.98493.834227.00%28.00%29.00%0.78740.78130.77521.40741.39161.37611.89561.86841.84202.28002.24102.20312.58272.53202.48302.82102.75942.70003.00872.93702.86823.15643.07582.99863.27283.18423.09973.36443.26893.17813.43653.33513.23883.49333.38683.28593.53813.42723.32243.57333.45873.35073.60103.48343.37263.62283.50263.38963.64003.51773.40283.65363.52943.41303.66423.53863.42103.67263.54583.42713.67923.55143.43193.68443.55583.43563.68853.55923.43843.69183.56193.44063.69433.56403.4423
年金现值系数表(带公式)
年金现值系数表(1-(1+i)^-n)/i1%2%3%4%5%6%7%8%10.99010.98040.97090.96150.95240.94340.93460.925921.97041.94161.91351.88611.85941.83341.8081.783332.9412.88392.82862.77512.72322.6732.62432.577143.9023.80773.71713.62993.5463.46513.38723.312154.85344.71354.57974.45184.32954.21244.10023.992765.79555.60145.41725.24215.07574.91734.76654.622976.72826.4726.23036.00215.78645.58245.38935.206487.65177.32557.01976.73276.46326.20985.97135.746698.5668.16227.78617.43537.10786.80176.51526.2469109.47138.98268.53028.11097.72177.36017.02366.71011110.36769.78689.25268.76058.30647.88697.49877.1391211.255110.57539.9549.38518.86338.38387.94277.53611312.133711.348410.6359.98569.39368.85278.35777.90381413.003712.106211.296110.56319.89869.2958.74558.24421513.865112.849311.937911.118410.37979.71229.10798.55951614.717913.577712.561111.652310.837810.10599.44668.85141715.562314.291913.166112.165711.274110.47739.76329.12161816.398314.99213.753512.659311.689610.827610.05919.37191917.22615.678514.323813.133912.085311.158110.33569.60362018.045616.351414.877513.590312.462211.469910.5949.81812118.85717.011215.41514.029212.821211.764110.835510.01682219.660417.65815.936914.451113.16312.041611.061210.20072320.455818.292216.443614.856813.488612.303411.272210.37112421.243418.913916.935515.24713.798612.550411.469310.52882522.023219.523517.413115.622114.093912.783411.653610.67482622.795220.12117.876815.982814.375213.003211.825810.812723.559620.706918.32716.329614.64313.210511.986710.93522824.316421.281318.764116.663114.898113.406212.137111.05112925.065821.844419.188516.983715.141113.590712.277711.15843025.807722.396519.600417.29215.372513.764812.40911.25789%10%11%12%13%14%15%16%17%0.91740.90910.90090.89290.8850.87720.86960.86210.85471.75911.73551.71251.69011.66811.64671.62571.60521.58522.53132.48692.44372.40182.36122.32162.28322.24592.20963.23973.16993.10243.03732.97452.91372.8552.79822.74323.88973.79083.69593.60483.51723.43313.35223.27433.19934.48594.35534.23054.11143.99753.88873.78453.68473.58925.0334.86844.71224.56384.42264.28834.16044.03863.92245.53485.33495.14614.96764.79884.63894.48734.34364.20725.99525.7595.5375.32825.13174.94644.77164.60654.45066.41776.14465.88925.65025.42625.21615.01884.83324.65866.80526.49516.20655.93775.68695.45275.23375.02864.83647.16076.81376.49246.19445.91765.66035.42065.19714.98847.48697.10346.74996.42356.12185.84245.58315.34235.11837.78627.36676.98196.62826.30256.00215.72455.46755.22938.06077.60617.19096.81096.46246.14225.84745.57555.32428.31267.82377.37926.9746.60396.26515.95425.66855.40538.54368.02167.54887.11966.72916.37296.04725.74875.47468.75568.20147.70167.24976.83996.46746.1285.81785.53398.95018.36497.83937.36586.9386.55046.19825.87755.58459.12858.51367.96337.46947.02486.62316.25935.92885.62789.29228.64878.07517.5627.10166.6876.31255.97315.66489.44248.77158.17577.64467.16956.74296.35876.01135.69649.58028.88328.26647.71847.22976.79216.39886.04425.72349.70668.98478.34817.78437.28296.83516.43386.07265.74659.82269.0778.42177.84317.336.87296.46416.09715.76629.9299.16098.48817.89577.37176.90616.49066.11825.783110.02669.23728.54787.94267.40866.93526.51356.13645.797510.11619.30668.60167.98447.44126.96076.53356.1525.809910.19839.36968.65018.02187.47016.9836.55096.16565.820410.27379.42698.69388.05527.49577.00276.5666.17725.829418%19%20%21%22%23%24%25%26%0.84750.84030.83330.82640.81970.8130.80650.80.79371.56561.54651.52781.50951.49151.4741.45681.441.42352.17432.13992.10652.07392.04222.01141.98131.9521.92342.69012.63862.58872.54042.49362.44832.40432.36162.32023.12723.05762.99062.9262.86362.80352.74542.68932.63513.49763.40983.32553.24463.16693.09233.02052.95142.8853.81153.70573.60463.50793.41553.3273.24233.16113.08334.07763.95443.83723.72563.61933.51793.42123.32893.24074.3034.16334.0313.90543.78633.67313.56553.46313.36574.49414.33894.19254.05413.92323.79933.68193.57053.46484.6564.48654.32714.17694.03543.90183.77573.65643.54354.79324.61054.43924.27844.12743.98523.85143.72513.60594.90954.71474.53274.36244.20284.0533.91243.78013.65555.00814.80234.61064.43174.26464.10823.96163.82413.69495.09164.87594.67554.4894.31524.1534.00133.85933.72615.16244.93774.72964.53644.35674.18944.03333.88743.75095.22234.98974.77464.57554.39084.2194.05913.90993.77055.27325.03334.81224.60794.41874.24314.07993.92793.78615.31625.074.84354.63464.44154.26274.09673.94243.79855.35275.10094.86964.65674.46034.27864.11033.95393.80835.38375.12684.89134.6754.47564.29164.12123.96313.81615.40995.14864.90944.694.48824.30214.133.97053.82235.43215.16684.92454.70254.49854.31064.13713.97643.82735.45095.18224.93714.71284.5074.31764.14283.98113.83125.46695.19514.94764.72134.51394.32324.14743.98493.83425.48045.2064.95634.72844.51964.32784.15113.98793.83675.49195.21514.96364.73424.52434.33164.15423.99033.83875.50165.22284.96974.7394.52814.33464.15663.99233.84025.50985.22924.97474.7434.53124.33714.15853.99383.84145.51685.23474.97894.74634.53384.33914.16013.9953.8424
普通年金现值系数表 2
n1%2%3%4%5%6%8%10%12%14%15%16%18%20%22%24%25%30%35%40%45%
10.990.980.970.9610.9520.9430.9250.9090.8920.8770.8690.8620.8470.8330.8190.8060.7990.7690.740.7140.689
21.971.9411.9131.8861.8591.8331.7831.7351.691.6461.6251.6051.5651.5271.4911.4561.441.361.2891.2241.165
32.942.8832.8282.7752.7232.6732.5772.4862.4012.3212.2832.2452.1742.1062.0421.9811.9521.8161.6951.5881.493
43.9013.8073.7173.6293.5453.4653.3123.1693.0372.9132.8542.7982.692.5882.4932.4042.3612.1661.9961.8491.719
54.8534.7134.5794.4514.3294.2123.9923.793.6043.4333.3523.2743.1272.992.8632.7452.6892.4352.2192.0351.875
65.7955.6015.4175.2425.0754.9174.6224.3554.1113.8883.7843.6843.4973.3253.1663.022.9512.6422.3852.1671.983
76.7286.4716.236.0025.7865.5825.2064.8684.5634.2884.164.0383.8113.6043.4153.2423.1612.8022.5072.2622.057
87.6517.3257.0196.7326.4636.2095.7465.3344.9674.6384.4874.3434.0773.8373.6193.4213.3282.9242.5982.332.108
年金现值系数全表(i到100%,n到100)
1%2%3%4%5%6%7%8%10.99010.98040.97090.96150.95240.94340.93460.925921.97041.94161.91351.88611.85941.83341.80801.783332.94102.88392.82862.77512.72322.67302.62432.577143.90203.80773.71713.62993.54603.46513.38723.312154.85344.71354.57974.45184.32954.21244.10023.992765.79555.60145.41725.24215.07574.91734.76654.622976.72826.47206.23036.00215.78645.58245.38935.206487.65177.32557.01976.73276.46326.20985.97135.746698.56608.16227.78617.43537.10786.80176.51526.2469109.47138.98268.53028.11097.72177.36017.02366.71011110.36769.78689.25268.76058.30647.88697.49877.13901211.255110.57539.95409.38518.86338.38387.94277.53611312.133711.348410.63509.98569.39368.85278.35777.90381413.003712.106211.296110.56319.89869.29508.74558.24421513.865112.849311.937911.118410.37979.71229.10798.55951614.717913.577712.561111.652310.837810.10599.44668.85141715.562314.291913.166112.165711.274110.47739.76329.12161816.398314.992013.753512.659311.689610.827610.05919.37191917.226015.678514.323813.133912.085311.158110.33569.60362018.045616.351414.877513.590312.462211.469910.59409.81812118.857017.011215.415014.029212.821211.764110.835510.01682219.660417.658015.936914.451113.163012.041611.061210.20072320.455818.292216.443614.856813.488612.303411.272210.37112421.243418.913916.935515.247013.798612.550411.469310.52882522.023219.523517.413115.622114.093912.783411.653610.67482622.795220.121017.876815.982814.375213.003211.825810.81002723.559620.706918.327016.329614.643013.210511.986710.93522824.316421.281318.764116.663114.898113.406212.137111.05112925.065821.844419.188516.983715.141113.590712.277711.15843025.807722.396519.600417.292015.372513.764812.409011.25783126.542322.937720.000417.588515.592813.929112.531811.34983227.269623.468320.388817.873615.802714.084012.646611.43503327.989723.988620.765818.147616.002514.230212.753811.51393428.702724.498621.131818.411216.192914.368112.854011.58693529.408624.998621.487218.664616.374214.498212.947711.65463630.107525.488821.832318.908316.546914.621013.035211.71723730.799525.969522.167219.142616.711314.736813.117011.77523831.484726.440622.492519.367916.867914.846013.193511.82893932.163026.902622.808219.584517.017014.949113.264911.87864032.834727.355523.114819.792817.159115.046313.331711.92464133.499727.799523.412419.993117.294415.138013.394111.96724234.158128.234823.701420.185617.423215.224513.452412.00674334.810028.661623.981920.370817.545915.306213.507012.04324435.455529.080024.254320.548817.662815.383213.557912.07714536.094529.490224.518720.720017.774115.455813.605512.10844636.727229.892324.775420.884717.880115.524413.650012.13744737.353730.286625.024721.042917.981015.589013.691612.16434837.974030.673125.266721.195118.077215.650013.730512.18914938.588131.052125.501721.341518.168715.707613.766812.21225039.196131.423625.729821.482218.255915.761913.800712.23355139.798131.787825.951221.617518.339015.813113.832512.25325240.394232.144926.166221.747618.418115.861413.862112.27155340.984432.495026.375021.872718.493415.907013.889812.28845441.568732.838326.577721.993018.565115.950013.915712.30415542.147233.174826.774422.108618.633515.990513.939912.31865642.720033.504726.965522.219818.698516.028813.962612.33215743.287133.828127.150922.326718.760516.064913.983712.34455843.848634.145227.331022.429618.819516.099014.003512.35605944.404634.456127.505822.528418.875816.131114.021912.36676044.955034.760927.675622.623518.929316.161414.039212.37666145.500035.059727.840422.714918.980316.190014.055312.38576246.039635.352628.000322.802819.028816.217014.070412.39426346.573935.639828.155722.887319.075116.242514.084512.40206447.102935.921428.306522.968519.119116.266514.097612.40936547.626636.197528.452923.046719.161116.289114.109912.41606648.145236.468128.595023.121819.201016.310514.121412.42226748.658636.733428.733023.194019.239116.330714.132212.42806849.166936.993628.867023.263519.275316.349714.142212.43336949.670237.248628.997123.330319.309816.367614.151612.43827050.168537.498629.123423.394519.342716.384514.160412.44287150.661937.743729.246023.456319.374016.400514.168612.44717251.150437.984129.365123.515619.403816.415614.176312.45107351.634138.219729.480723.572719.432216.429814.183412.45467452.112938.450729.592923.627619.459216.443214.190112.45807552.587138.677129.701823.680419.485016.455814.196412.46117653.056538.899129.807623.731219.509516.467814.202212.46407753.521339.116829.910323.780019.532916.479014.207712.46667853.981539.330230.010023.826919.555116.489714.212812.46917954.437139.539430.106823.872019.576316.499714.217512.47148054.888239.744530.200823.915419.596516.509114.222012.47358155.334939.945630.292023.957119.615716.518014.226212.47558255.777140.142730.380623.997219.634016.526514.230112.47738356.214940.336030.466624.035819.651416.534414.233712.47908456.648540.525530.550124.072919.668016.541914.237112.48058557.077740.711330.631224.108519.683816.548914.240312.48208657.502640.893430.709924.142819.698916.555614.243312.48338757.923441.072030.786324.175819.713216.561914.246012.48458858.340041.247030.860524.207519.726916.567814.248612.48578958.752541.418730.932524.238019.739916.573414.251112.48689059.160941.586931.002424.267319.752316.578714.253312.48779159.565241.751931.070324.295519.764116.583714.255412.48869259.965641.913631.136224.322619.775316.588414.257412.48959360.362042.072231.200224.348619.786016.592814.259312.49039460.754442.227631.262324.373719.796216.597014.261012.49109561.143042.380031.322724.397819.805916.600914.262612.49179661.527742.529431.381224.420919.815116.604714.264112.49239761.908642.675931.438124.443219.823916.608214.265512.49289862.285842.819531.493324.464619.832316.611514.266912.49349962.659242.960331.546924.485219.840316.614614.268112.493910063.028943.098431.598924.505019.847916.617514.269312.4943
年金现值、终值系数表 2
n1%2%3%4%5%6%7%8%
111111111
22.012.022.032.042.052.062.072.08
33.033.063.0913.1223.1533.1843.2153.246
44.064.1224.1844.2464.314.3754.444.506
55.1015.2045.3095.4165.5265.6375.7515.867
66.1526.3086.4686.6336.8026.9757.1537.336
77.2147.4347.6627.8988.1428.3948.6548.923
88.2868.5838.8929.2149.5499.87910.2610.637
99.3699.75510.15910.58311.02711.49111.97812.488
1010.46210.9511.46412.00612.57813.18113.81614.487
1111.56712.16912.80813.48614.20714.97215.78416.645
1212.68313.41214.19215.02616.91716.8717.88818.977
1313.80914.6815.61816.62717.71318.88220.14121.495
1414.94715.97417.08618.29219.59921.01522.5524.215
1516.09717.29318.59920.02421.57923.27625.12927.152
n0.012%3%4%5%6%8%10%
10.990.980.970.9610.9520.9430.9250.909
21.971.9411.9131.8861.8591.8331.7831.735
32.942.8832.8282.7752.7232.6732.5772.486
43.9013.8073.7173.6293.5453.4653.3123.169