年金现值系数表和年金终值系数 打印版
财务管理系数表、年金现值、终值、复利现值、终值
计算公式：复利终值系数=i 1+，S=P i 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和计算公式：复利终值系数=()n i 1+，S=P ()ni 1+P —现值或初始值 i —报酬率或利率 n —计息期数 S —终值或本利和附表二 复利现值系数表注：计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和附表二 复利现值系数表 续表注：*<0.0001计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和附表四年金现值系数表注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和附表四年金现值系数表续表注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=5.83，则查纵列5.8横列3对应的数值，即ln(5.83)=1.7630。
附表五自然对数表续表注：计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=9.83，则查纵列9.8横列3对应的数值，即ln(9.83)=2.2854。
财务管理系数表、年金现值、终值、复利现值、终值
附表一复利终值系数表计算公式：复利终值系数=，S=PP—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和附表一复利终值系数表续表注：*〉99 999计算公式：复利终值系数=，S=PP—现值或初始值i—报酬率或利率n—计息期数S—终值或本利和附表二复利现值系数表注：计算公式：复利现值系数=，P==SP—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和附表二复利现值系数表续表注：*<0.0001计算公式：复利现值系数=，P==SP—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和附表三年金终值系数表注：计算公式：年金终值系数=，S=AA—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和附表三年金终值系数表续表注：*>999 999.99计算公式：年金终值系数=，S=AA—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和附表四年金现值系数表注：计算公式：年金现值系数=，P=AA—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和附表四年金现值系数表续表注：计算公式：年金现值系数=，P=AA—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和附表五自然对数表注：计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=5.83，则查纵列5.8横列3对应的数值，即ln(5.83)=1.7630。
附表五自然对数表续表注：计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=9.83，则查纵列9.8横列3对应的数值，即ln(9.83)=2.2854。
附表六正态分布下的累积概率[N（d）]（即变量取值小于其均值与d个标准差之和的概率）注：例如，d=0.22，则N（d）=0.5871，即正态分布变量有0.5871的可能取值小于其均值与0.22个标准差之和。
财务管理系数表、年金现值、终值、复利现值、终值
计算公式：复利终值系数=i 1+，S=P i 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和计算公式：复利终值系数=()n i 1+，S=P ()ni 1+P —现值或初始值 i —报酬率或利率 n —计息期数 S —终值或本利和附表二 复利现值系数表注：计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和附表二 复利现值系数表 续表注：*<0.0001计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和附表四年金现值系数表注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和附表四年金现值系数表续表注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和附表五自然对数表计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=5.83，则查纵列5.8横列3对应的数值，即ln(5.83)=1.7630。
附表五自然对数表续表注：计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=9.83，则查纵列9.8横列3对应的数值，即ln(9.83)=2.2854。
年金现值、终值、复利现值、终值系数表
注：
计算公式：年金现值系数= ，P=A
A—每期等额支付（或收入）的金额；i—报酬率或Biblioteka 率；n—计息期数；P—年金现值或本利和
附表一复利终值系数表
计算公式：复利终值系数= ，S=P
P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和
附表一 复利终值系数表 续表
注：*〉99 999
计算公式：复利终值系数= ，S=P
P—现值或初始值
i—报酬率或利率
n—计息期数
S—终值或本利和
附表二复利现值系数表
注：
计算公式：复利现值系数= ，P= =S
P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和
附表二 复利现值系数表 续表
注：*<0.0001
计算公式：复利现值系数= ，P= =S
P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和
附表三年金终值系数表
注：
计算公式：年金终值系数= ，S=A
A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和
附表三 年金终值系数表 续表
注：*>999 999.99
计算公式：年金终值系数= ，S=A
A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和
附表四年金现值系数表
计算公式：年金现值系数= ，P=A
A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和
【名师精品】年金现值、终值、复利现值、终值系数表.doc
期数1%2%3%4%5%6%7%8%9%10%1 1.0100 1.0200 1.0300 1.0400 1.0500 1.0600 1.0700 1.0800 1.0900 1.10002 1.0201 1.0404 1.0609 1.0816 1.1025 1.1236 1.1449 1.1664 1.1881 1.21003 1.0303 1.0612 1.0927 1.1249 1.1576 1.1910 1.2250 1.2597 1.2950 1.33104 1.0406 1.0824 1.1255 1.1699 1.2155 1.2625 1.3108 1.3605 1.4116 1.46415 1.0510 1.1041 1.1593 1.2167 1.2763 1.3382 1.4026 1.4693 1.5386 1.61056 1.0615 1.1262 1.1941 1.2653 1.3401 1.4185 1.5007 1.5869 1.6771 1.77167 1.0721 1.1487 1.2299 1.3159 1.4071 1.5036 1.6058 1.7138 1.8280 1.94878 1.0829 1.1717 1.2668 1.3686 1.4775 1.5938 1.7182 1.8509 1.9926 2.14369 1.0937 1.1951 1.3048 1.4233 1.5513 1.6895 1.8385 1.9990 2.1719 2.357910 1.1046 1.2190 1.3439 1.4802 1.6289 1.7908 1.9672 2.1589 2.3674 2.593711 1.1157 1.2434 1.3842 1.5395 1.7103 1.8983 2.1049 2.3316 2.5804 2.853112 1.1268 1.2682 1.4258 1.6010 1.7959 2.0122 2.2522 2.5182 2.8127 3.138413 1.1381 1.2936 1.4685 1.6651 1.8856 2.1329 2.4098 2.7196 3.0658 3.452314 1.1495 1.3195 1.5126 1.7317 1.9799 2.2609 2.5785 2.9372 3.3417 3.797515 1.1610 1.3459 1.5580 1.8009 2.0789 2.3966 2.7590 3.1722 3.6425 4.177216 1.1726 1.3728 1.6047 1.8730 2.1829 2.5404 2.9522 3.4259 3.9703 4.595017 1.1843 1.4002 1.6528 1.9479 2.2920 2.6928 3.1588 3.7000 4.3276 5.054518 1.1961 1.4282 1.7024 2.0258 2.4066 2.8543 3.3799 3.9960 4.7171 5.559919 1.2081 1.4568 1.7535 2.1068 2.5270 3.0256 3.6165 4.3157 5.1417 6.115920 1.2202 1.4859 1.8061 2.1911 2.6533 3.2071 3.8697 4.6610 5.6044 6.727521 1.2324 1.5157 1.8603 2.2788 2.7860 3.3996 4.1406 5.0338 6.10887.400222 1.2447 1.5460 1.9161 2.3699 2.9253 3.6035 4.4304 5.4365 6.65868.140323 1.2572 1.5769 1.9736 2.4647 3.0715 3.8197 4.7405 5.87157.25798.954324 1.2697 1.6084 2.0328 2.5633 3.2251 4.0489 5.0724 6.34127.91119.849725 1.2824 1.6406 2.0938 2.6658 3.3864 4.2919 5.4274 6.84858.623110.83526 1.2953 1.6734 2.1566 2.7725 3.5557 4.5494 5.80747.39649.399211.91827 1.3082 1.7069 2.2213 2.8834 3.7335 4.8223 6.21397.988110.24513.11028 1.3213 1.7410 2.2879 2.9987 3.9201 5.1117 6.64888.627111.16714.42129 1.3345 1.7758 2.3566 3.1187 4.1161 5.41847.11439.317312.17215.86330 1.3478 1.8114 2.4273 3.2434 4.3219 5.74357.612310.06313.26817.44940 1.4889 2.2080 3.2620 4.80107.040010.28614.97521.72531.40945.25950 1.6446 2.6916 4.38397.106711.46718.42029.45746.90274.358117.39601.81673.28105.891610.52018.67932.98857.946101.26176.03304.48计算公式：复利终值系数=i 1+，S=P i 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和附表一复利终值系数表续表1 1.1200 1.1400 1.1500 1.1600 1.1800 1.2000 1.2400 1.2800 1.3200 1.36002 1.2544 1.2996 1.3225 1.3456 1.3924 1.4400 1.5376 1.6384 1.7424 1.84963 1.4049 1.4815 1.5209 1.5609 1.6430 1.7280 1.9066 2.0972 2.3000 2.51554 1.5735 1.6890 1.7490 1.8106 1.9388 2.0736 2.3642 2.6844 3.0360 3.42105 1.7623 1.9254 2.0114 2.1003 2.2878 2.4883 2.9316 3.4360 4.0075 4.65266 1.9738 2.1950 2.3131 2.4364 2.6996 2.9860 3.6352 4.3980 5.2899 6.32757 2.2107 2.5023 2.6600 2.8262 3.1855 3.5832 4.5077 5.6295 6.98268.60548 2.4760 2.8526 3.0590 3.2784 3.7589 4.2998 5.58957.20589.217011.7039 2.7731 3.2519 3.5179 3.8030 4.4355 5.1598 6.93109.223412.16715.91710 3.1058 3.7072 4.0456 4.4114 5.2338 6.19178.594411.80616.06021.64711 3.4785 4.2262 4.6524 5.1173 6.17597.430110.65715.11221.19929.43912 3.8960 4.8179 5.3503 5.93607.28768.916113.21519.34327.98340.03813 4.3635 5.4924 6.1528 6.88588.599410.69916.38624.75936.93754.45114 4.8871 6.26137.07577.987510.14712.83920.31931.69148.75774.05315 5.47367.13798.13719.265511.97415.40725.19640.56564.359100.7116 6.13048.13729.357610.74814.12918.48831.24351.92384.954136.9717 6.86609.276510.76112.46816.67222.18638.74166.461112.14186.28187.690010.57512.37614.46319.67326.62348.03985.071148.02253.34198.612812.05614.23216.77723.21431.94859.568108.89195.39344.54209.646313.74416.36719.46127.39338.33873.864139.38257.92468.572110.80415.66818.82222.57532.32446.00591.592178.41340.45637.262212.10017.86121.64526.18638.14255.206113.57228.36449.39866.672313.55220.36224.89230.37645.00866.247140.83292.30593.201178.72415.17923.21228.62535.23653.10979.497174.63374.14783.021603.02517.00026.46232.91940.87462.66995.396216.54478.901033.62180.12619.04030.16737.85747.41473.949114.48268.51613.001364.32964.92721.32534.39043.53555.00087.260137.37332.96784.641800.94032.32823.88439.20550.06663.800102.97164.84412.861004.32377.25483.92926.75044.69357.57674.009121.50197.81511.951285.63137.97458.13029.96050.95066.21285.850143.37237.38634.821645.54142.1101434093.051188.88267.86378.72750.381469.85455.91942766521*50289.00700.231083.71670.73927.49100.446890***60897.602595.94384.07370.22055556348****计算公式：复利终值系数=()n i 1+，S=P ()ni 1+P —现值或初始值 i —报酬率或利率 n —计息期数 S —终值或本利和附表二复利现值系数表10.99010.98040.97090.96150.95240.94340.93460.92590.91740.909120.98030.96120.94260.92460.90700.89000.87340.85730.84170.826430.97060.94230.91510.88900.86380.83960.81630.79380.77220.751340.96100.92380.88850.85480.82270.79210.76290.73500.70840.683050.95150.90570.86260.82190.78350.74730.71300.68060.64990.620960.94200.88800.83750.79030.74620.70500.66630.63020.59630.564570.93270.87060.81310.75990.71070.66510.62270.58350.54700.513280.92350.85350.78940.73070.67680.62740.58200.54030.50190.466590.91430.83680.76640.70260.64460.59190.54390.50020.46040.4241100.90530.82030.74410.67560.61390.55840.50830.46320.42240.3855110.89630.80430.72240.64960.58470.52680.47510.42890.38750.3505120.88740.78850.70140.62460.55680.49700.44400.39710.35550.3186130.87870.77300.68100.60060.53030.46880.41500.36770.32620.2897140.87000.75790.66110.57750.50510.44230.38780.34050.29920.2633150.86130.74300.64190.55530.48100.41730.36240.31520.27450.2394160.85280.72840.62320.53390.45810.39360.33870.29190.25190.2176170.84440.71420.60500.51340.43630.37140.31660.27030.23110.1978180.83600.70020.58740.49360.41550.35030.29590.25020.21200.1799190.82770.68640.57030.47460.39570.33050.27650.23170.19450.1635200.81950.67300.55370.45640.37690.31180.25840.21450.17840.1486210.81140.65980.53750.43880.35890.29420.24150.19870.16370.1351220.80340.64680.52190.42200.34180.27750.22570.18390.15020.1228230.79540.63420.50670.40570.32560.26180.21090.17030.13780.1117240.78760.62170.49190.39010.31010.24700.19710.15770.12640.1015250.77980.60950.47760.37510.29530.23300.18420.14600.11600.0923260.77200.59760.46370.36070.28120.21980.17220.13520.10640.0839270.76440.58590.45020.34680.26780.20740.16090.12520.09760.0763280.75680.57440.43710.33350.25510.19560.15040.11590.08950.0693290.74930.56310.42430.32070.24290.18460.14060.10730.08220.0630300.74190.55210.41200.30830.23140.17410.13140.09940.07540.0573350.70590.50000.35540.25340.18130.13010.09370.06760.04900.0356400.67170.45290.30660.20830.14200.09720.06680.04600.03180.0221450.63910.41020.26440.17120.11130.07270.04760.03130.02070.0137500.60800.37150.22810.14070.08720.05430.03390.02130.01340.0085550.57850.33650.19680.11570.06830.04060.02420.01450.00870.0053计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和附表二复利现值系数表续表10.89290.87720.86960.86210.84750.83330.80650.78130.75760.735320.79720.76950.75610.74320.71820.69440.65040.61040.57390.540730.71180.67500.65750.64070.60860.57870.52450.47680.43480.397540.63550.59210.57180.55230.51580.48230.42300.37250.32940.292350.56740.51940.49720.47610.43710.40190.34110.29100.24950.214960.50660.45560.43230.41040.37040.33490.27510.22740.18900.158070.45230.39960.37590.35380.31390.27910.22180.17760.14320.116280.40390.35060.32690.30500.26600.23260.17890.13880.10850.085490.36060.30750.28430.26300.22550.19380.14430.10840.08220.0628100.32200.26970.24720.22670.19110.16150.11640.08470.06230.0462110.28750.23660.21490.19540.16190.13460.09380.06620.04720.0340120.25670.20760.18690.16850.13720.11220.07570.05170.03570.0250130.22920.18210.16250.14520.11630.09350.06100.04040.02710.0184140.20460.15970.14130.12520.09850.07790.04920.03160.02050.0135150.18270.14010.12290.10790.08350.06490.03970.02470.01550.0099160.16310.12290.10690.09300.07080.05410.03200.01930.01180.0073170.14560.10780.09290.08020.06000.04510.02580.01500.00890.0054180.13000.09460.08080.06910.05080.03760.02080.01180.00680.0039190.11610.08290.07030.05960.04310.03130.01680.00920.00510.0029200.10370.07280.06110.05140.03650.02610.01350.00720.00390.0021210.09260.06380.05310.04430.03090.02170.01090.00560.00290.0016220.08260.05600.04620.03820.02620.01810.00880.00440.00220.0012230.07380.04910.04020.03290.02220.01510.00710.00340.00170.0008240.06590.04310.03490.02840.01880.01260.00570.00270.00130.0006250.05880.03780.03040.02450.01600.01050.00460.00210.00100.0005260.05250.03310.02640.02110.01350.00870.00370.00160.00070.0003270.04690.02910.02300.01820.01150.00730.00300.00130.00060.0002280.04190.02550.02000.01570.00970.00610.00240.00100.00040.0002290.03740.02240.01740.01350.00820.00510.00200.00080.00030.0001300.03340.01960.01510.01160.00700.00420.00160.00060.00020.0001350.01890.01020.00750.00550.00300.00170.00050.00020.0001*400.01070.00530.00370.00260.00130.00070.00020.0001**450.00610.00270.00190.00130.00060.00030.0001***500.00350.00140.00090.00060.00030.0001****550.00200.00070.00050.00030.0001*****计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和附表三年金终值系数表1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002 2.0100 2.0200 2.0300 2.0400 2.0500 2.0600 2.0700 2.0800 2.0900 2.10003 3.0301 3.0604 3.0909 3.1216 3.1525 3.1836 3.2149 3.2464 3.2781 3.31004 4.0604 4.1216 4.1836 4.2465 4.3101 4.3746 4.4399 4.5061 4.5731 4.64105 5.1010 5.2040 5.3091 5.4163 5.5256 5.6371 5.7507 5.8666 5.9847 6.10516 6.1520 6.3081 6.4684 6.6330 6.8019 6.97537.15337.33597.52337.7156 77.21357.43437.66257.89838.14208.39388.65408.92289.20049.4872 88.28578.58308.89239.21429.54919.897510.26010.63711.02911.436 99.36859.754610.15910.58311.02711.49111.97812.48813.02113.580 1010.46210.95011.46412.00612.57813.18113.81614.48715.19315.937 1111.56712.16912.80813.48614.20714.97215.78416.64617.56018.531 1212.68313.41214.19215.02615.91716.87017.88918.97720.14121.384 1313.80914.68015.61816.62717.71318.88220.14121.49522.95324.523 1414.94715.97417.08618.29219.59921.01522.55124.21526.01927.975 1516.09717.29318.59920.02421.57923.27625.12927.15229.36131.773 1617.25818.63920.15721.82523.65825.67327.88830.32433.00335.950 1718.43020.01221.76223.69825.84028.21330.84033.75036.97440.545 1819.61521.41223.41425.64528.13230.90633.99937.45041.30145.599 1920.81122.84125.11727.67130.53933.76037.37941.44646.01951.159 2022.01924.29726.87029.77833.06636.78640.99645.76251.16057.275 2123.23925.78328.67731.96935.71939.99344.86550.42356.76564.003 2224.47227.29930.53734.24838.50543.39249.00655.45762.87371.403 2325.71628.84532.45336.61841.43146.99653.43660.89369.53279.543 2426.97430.42234.42739.08344.50250.81658.17766.76576.79088.497 2528.24332.03036.45941.64647.72754.86563.24973.10684.70198.347 2629.52633.67138.55344.31251.11459.15668.67779.95493.324109.18 2730.82135.34440.71047.08454.66963.70674.48487.351102.72121.10 2832.12937.05142.93149.96858.40368.52880.69895.339112.97134.21 2933.45038.79245.21952.96662.32373.64087.347103.97124.14148.63 3034.78540.56847.57556.08566.43979.05894.461113.28136.31164.49 4048.88660.40275.40195.026120.80154.76199.64259.06337.88442.59 5064.46384.579112.80152.67209.35290.34406.53573.77815.081163.9 6081.670114.05163.05237.99353.58533.13813.521253.21944.83034.8计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和附表三年金终值系数表续表。
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年金现值系数表（PVIFA表）
n 1% 2% 3% 4% 5% 6% 8% 10% 12% 14% 15% 16% 18% 20% 22% 24% 25% 30% 35% 40% 45% 50%
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复利现值系数(P/F,i,n)表
期
数
1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19%
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年金现值系数(P/A,i,n)表
期
数
1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 17% 18%
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3
4
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30
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