年金现值系数表
年金现值系数表
什么是年金现值系数
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PVAn，后付年金现值的计算公式为：
PVA_n=A\frac{1}{(1+i)^1}+A\frac{1}{(1+i)^2}+\cdots+A\frac{1}{(1+i)^{n-1}}+A\frac{1}{(1+i)^n}
PVA_n=A\sum_{t=1}^n\frac{1}{(1+i)^t}
式中，\sum_{t=1}^n\frac{1}{(1+i)^t}叫年金现值系数，或年金贴现系数。年金现值系数可简写为PVIFAi,n或ADFi,n。
年金现值系数表一览
n 1% 2% 3% 4% 5% 6% 8% 10% 12% 14% 15% 16% 18% 20% 22% 24% 25% 30% 35% 40% 45% 50%
1 0.990 0.980 0.970 0.961 0.952 0.943 0.925 0.909 0.892 0.877 0.869 0.862 0.847 0.833 0.819 0.806 0.799 0.769 0.740 0.714 0.689 0.666
2 1.970 1.941 1.913 1.886 1.859 1.833 1.783 1.735 1.690 1.646 1.625 1.605 1.565 1.527 1.491 1.456 1.44 1.360 1.289 1.224 1.165 1.111
3 2.940 2.883 2.828 2.775 2.723 2.673 2.577 2.486 2.401 2.321 2.283 2.245 2.174 2.106 2.042 1.981 1.952 1.816 1.695 1.588 1.493 1.407
4 3.901 3.807 3.717 3.629 3.545 3.465 3.312 3.169 3.037 2.913 2.854 2.798 2.690 2.588 2.493 2.404 2.361 2.166 1.996 1.849 1.719 1.604
5 4.853 4.713 4.579 4.451 4.329 4.212 3.992 3.790 3.604 3.433 3.352 3.274 3.127 2.990 2.863 2.745 2.689 2.435 2.219 2.035 1.875 1.736
6 5.795 5.601 5.417 5.242 5.075 4.917 4.622 4.355 4.111 3.888 3.784 3.684 3.497 3.325 3.166 3.020 2.951 2.642 2.385 2.167 1.983 1.824
7 6.728 6.471 6.230 6.002 5.786 5.582 5.206 4.868 4.563 4.288 4.160 4.038 3.811 3.604 3.415 3.242 3.161 2.802 2.507 2.262 2.057 1.882
8 7.651 7.325 7.019 6.732 6.463 6.209 5.746 5.334 4.967 4.638 4.487 4.343 4.077 3.837 3.619 3.421 3.328 2.924 2.598 2.330 2.108 1.921
9 8.566 8.162 7.786 7.435 7.107 6.801 6.246 5.759 5.328 4.946 4.771 4.606 4.303 4.030 3.786 3.565 3.463 3.019 2.665 2.378 2.143 1.947
10 9.471 8.982 8.530 8.110 7.721 7.360 6.710 6.144 5.650 5.216 5.018 4.833 4.494 4.192 3.923 3.681 3.570 3.091 2.715 2.413 2.168 1.965
11 10.367 9.786 9.252 8.760 8.306 7.886 7.138 6.495 5.937 5.452 5.233 5.028 4.656 4.327 4.035 3.775 3.656 3.147 2.751 2.438 2.184 1.976
12 11.255 10.575 9.954 9.385 8.863 8.383 7.536 6.813 6.194 5.660 5.420 5.197 4.793 4.439 4.127 3.851 3.725 3.190 2.779 2.455 2.196 1.984
13 12.133 11.348 10.634 9.985 9.393 8.852 7.903 7.103 6.423 5.842 5.583 5.342 4.909 4.532 4.202 3.912 3.780 3.223 2.799 2.468 2.204 1.989
14 13.003 12.106 11.296 10.563 9.898 9.294 8.244 7.366 6.628 6.002 5.724 5.467 5.008 4.610 4.264 3.961 3.824 3.248 2.814 2.477 2.209 1.993
15 13.865 12.849 11.937 11.118 10.379 9.712 8.559 7.606 6.810 6.142 5.847 5.575 5.091 4.675 4.315 4.001 3.859 3.268 2.825 2.483 2.213 1.995
16 14.717 13.577 12.561 11.652 10.837 10.105 8.851 7.823 6.973 6.265 5.954 5.668 5.162 4.729 4.356 4.033 3.887 3.283 2.833 2.488 2.216 1.996
17 15.562 14.291 13.166 12.165 11.274 10.477 9.121 8.021 7.119 6.372 6.047 5.748 5.222 4.774 4.390 4.059 3.909 3.294 2.839 2.491 2.218 1.997
18 16.398 14.992 13.753 12.659 11.689 10.827 9.371 8.201 7.249 6.467 6.127 5.817 5.273 4.812 4.418 4.079 3.927 3.303 2.844 2.494 2.219 1.998
19 17.226 15.678 14.323 13.133 12.085 11.158 9.603 8.364 7.365 6.550 6.198 5.877 5.316 4.843 4.441 4.096 3.942 3.310 2.847 2.495 2.220 1.999
20 18.045 16.351 14.877 13.590 12.462 11.469 9.818 8.513 7.469 6.623 6.259 5.928 5.352 4.869 4.460 4.110 3.953 3.315 2.850 2.497 2.220 1.999
21 18.856 17.011 15.415 14.029 12.821 11.764 10.016 8.648 7.562 6.686 6.312 5.973 5.383 4.891 4.475 4.121 3.963 3.319 2.851 2.497 2.221 1.999
22 19.660 17.658 15.936 14.451 13.163 12.041 10.200 8.771 7.644 6.742 6.358 6.011 5.409 4.909 4.488 4.129 3.970 3.322 2.853 2.498 2.221 1.999
23 20.455 18.292 16.443 14.856 13.488 12.303 10.371 8.883 7.718 6.792 6.398 6.044 5.432 4.924 4.498 4.137 3.976 3.325 2.854 2.498 2.221 1.999
24 21.243 18.913 16.935 15.246 13.798 12.550 10.528 8.984 7.784 6.835 6.433 6.072 5.450 4.937 4.507 4.142 3.981 3.327 2.855 2.499 2.221 1.999
25 22.023 19.523 17.413 15.622 14.093 12.783 10.674 9.077 7.843 6.872 6.464 6.097 5.466 4.947 4.513 4.147 3.984 3.328 2.855 2.499 2.222 1.999
26 22.795 20.121 17.876 15.982 14.375 13.003 10.809 9.160 7.895 6.906 6.490 6.118 5.480 4.956 4.519 4.151 3.987 3.329 2.855 2.499 2.222 1.999 27
23.559
20.706 18.327 16.329 14.643 13.210 10.935 9.237 7.942 6.935 6.513 6.136 5.491 4.963 4.524 4.154 3.990 3.330 2.856 2.499 2.222 1.999
28 24.316 21.281 18.764 16.663 14.898 13.406 11.051 9.306 7.984 6.960 6.533 6.152 5.501 4.969 4.528 4.156 3.992 3.331 2.856 2.499 2.222 1.999
29 25.065 21.844 19.188 16.983 15.141 13.590 11.158 9.369 8.021 6.983 6.550 6.165 5.509 4.974 4.531 4.158 3.993 3.331 2.856 2.499 2.222 1.999
30 25.807 22.396 19.600 17.292 15.372 13.764 11.257 9.426 8.055 7.002 6.565 6.177 5.516 4.978 4.533 4.160 3.995 3.332 2.856 2.499 2.222 1.999
40 32.834 27.355 23.114 19.792 17.159 15.046 11.924 9.779 8.243 7.105 6.641 6.233 5.548 4.996 4.543 4.165 3.999 3.333 2.857 2.499 2.222 1.999
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
年金现值、年金终值、复利现值、复利终值系数表
表 格 名 称： 年 金 现 值 系 数 表1%2%3%4%5%6%7%8%9%10%10.99010.98040.97090.96150.95240.94340.93460.92590.91740.909121.97041.94161.91351.88611.85941.83341.8081.78331.75911.735532.9412.88392.82862.77512.72322.6732.62432.57712.53132.486943.9023.80773.71713.62993.5463.46513.38723.31213.23973.169954.85344.71354.57974.45184.32954.21244.10023.99273.88973.790865.79555.60145.41725.24215.07574.91734.76654.62294.48594.355376.72826.4726.23036.00215.78645.58245.38935.20645.0334.868487.65177.32557.01976.73276.46326.20985.97135.74665.53485.334998.5668.16227.78617.43537.10786.80176.51526.24695.99525.759109.47138.98268.53028.11097.72177.36017.02366.71016.41776.14461110.36769.78689.25268.76058.30647.88697.49877.1396.80526.49511211.255110.57539.9549.38518.86338.38387.94277.53617.16076.81371312.133711.348410.6359.98569.39368.85278.35777.90387.48697.10341413.003712.106211.296110.56319.89869.2958.74558.24427.78627.36671513.865112.849311.937911.118410.37979.71229.10798.55958.06077.60611614.717913.577712.561111.652310.837810.10599.44668.85148.31267.82371715.562314.291913.166112.165711.274110.47739.76329.12168.54368.02161816.398314.99213.753512.659311.689610.827610.05919.37198.75568.20141917.22615.678514.323813.133912.085311.158110.33569.60368.95018.36492018.045616.351414.877513.590312.462211.469910.5949.81819.12858.51362118.85717.011215.41514.029212.821211.764110.835510.01689.29228.64872219.660417.65815.936914.451113.16312.041611.061210.20079.44248.77152320.455818.292216.443614.856813.488612.303411.272210.37119.58028.88322421.243418.913916.935515.24713.798612.550411.469310.52889.70668.98472522.023219.523517.413115.622114.093912.783411.653610.67489.82269.0772622.795220.12117.876815.982814.375213.003211.825810.819.9299.16092723.559620.706918.32716.329614.64313.210511.986710.935210.02669.23722824.316421.281318.764116.663114.898113.406212.137111.051110.11619.30662925.065821.844419.188516.983715.141113.590712.277711.158410.19839.36963025.807722.396519.600417.29215.372513.764812.40911.257810.27379.426911%12%13%14%15%16%17%18%19%20%21%0.90090.89290.8850.87720.86960.86210.85470.84750.84030.83330.82641.71251.69011.66811.64671.62571.60521.58521.56561.54651.52781.50952.44372.40182.36122.32162.28322.24592.20962.17432.13992.10652.07393.10243.03732.97452.91372.8552.79822.74322.69012.63862.58872.54043.69593.60483.51723.43313.35223.27433.19933.12723.05762.99062.9264.23054.11143.99753.88873.78453.68473.58923.49763.40983.32553.24464.71224.56384.42264.28834.16044.03863.92243.81153.70573.60463.50795.14614.96764.79884.63894.48734.34364.20724.07763.95443.83723.72565.5375.32825.13174.94644.77164.60654.45064.3034.16334.0313.90545.88925.65025.42625.21615.01884.83324.65864.49414.33894.19254.05416.20655.93775.68695.45275.23375.02864.83644.6564.48654.32714.17696.49246.19445.91765.66035.42065.19714.98844.79324.61054.43924.27846.74996.42356.12185.84245.58315.34235.11834.90954.71474.53274.36246.98196.62826.30256.00215.72455.46755.22935.00814.80234.61064.43177.19096.81096.46246.14225.84745.57555.32425.09164.87594.67554.4897.37926.9746.60396.26515.95425.66855.40535.16244.93774.72964.53647.54887.11966.72916.37296.04725.74875.47465.22234.98974.77464.57557.70167.24976.83996.46746.1285.81785.53395.27325.03334.81224.60797.83937.36586.9386.55046.19825.87755.58455.31625.074.84354.63467.96337.46947.02486.62316.25935.92885.62785.35275.10094.86964.65678.07517.5627.10166.6876.31255.97315.66485.38375.12684.89134.6758.17577.64467.16956.74296.35876.01135.69645.40995.14864.90944.698.26647.71847.22976.79216.39886.04425.72345.43215.16684.92454.70258.34817.78437.28296.83516.43386.07265.74655.45095.18224.93714.71288.42177.84317.336.87296.46416.09715.76625.46695.19514.94764.72138.48817.89577.37176.90616.49066.11825.78315.48045.2064.95634.72848.54787.94267.40866.93526.51356.13645.79755.49195.21514.96364.73428.60167.98447.44126.96076.53356.1525.80995.50165.22284.96974.7398.65018.02187.47016.9836.55096.16565.82045.50985.22924.97474.7438.69388.05527.49577.00276.5666.17725.82945.51685.23474.97894.746322%23%24%25%26%27%28%29%30%0.81970.8130.80650.80.79370.78740.78130.77520.76921.49151.4741.45681.441.42351.40741.39161.37611.36092.04222.01141.98131.9521.92341.89561.86841.8421.81612.49362.44832.40432.36162.32022.282.2412.20312.16622.86362.80352.74542.68932.63512.58272.5322.4832.43563.16693.09233.02052.95142.8852.8212.75942.72.64273.41553.3273.24233.16113.08333.00872.9372.86822.80213.61933.51793.42123.32893.24073.15643.07582.99862.92473.78633.67313.56553.46313.36573.27283.18423.09973.0193.92323.79933.68193.57053.46483.36443.26893.17813.09154.03543.90183.77573.65643.54353.43653.33513.23883.14734.12743.98523.85143.72513.60593.49333.38683.28593.19034.20284.0533.91243.78013.65553.53813.42723.32243.22334.26464.10823.96163.82413.69493.57333.45873.35073.24874.31524.1534.00133.85933.72613.6013.48343.37263.26824.35674.18944.03333.88743.75093.62283.50263.38963.28324.39084.2194.05913.90993.77053.643.51773.40283.29484.41874.24314.07993.92793.78613.65363.52943.4133.30374.44154.26274.09673.94243.79853.66423.53863.4213.31054.46034.27864.11033.95393.80833.67263.54583.42713.31584.47564.29164.12123.96313.81613.67923.55143.43193.31984.48824.30214.133.97053.82233.68443.55583.43563.3234.49854.31064.13713.97643.82733.68853.55923.43843.32544.5074.31764.14283.98113.83123.69183.56193.44063.32724.51394.32324.14743.98493.83423.69433.5643.44233.32864.51964.32784.15113.98793.83673.69633.56563.44373.32974.52434.33164.15423.99033.83873.69793.56693.44473.33054.52814.33464.15663.99233.84023.69913.56793.44553.33124.53124.33714.15853.99383.84143.70013.56873.44613.33174.53384.33914.16013.9953.84243.70093.56933.44663.3321
年金现值系数表(PVIFA表)
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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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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折现率为10%的年金现值系数表
折现率为10%的年金现值系数表
折现率为10%的年金现值系数表如下所示：
年限 现值系数
--------------------
1 0.909
2 1.736
3 2.487
4 3.170
5 3.791
6 4.355
7 4.868
8 5.335
9 5.759
10 6.145
11 6.495
12 6.814
13 7.103
14 7.366
15 7.604
16 7.820
17 8.015
18 8.192
19 8.352
20 8.497
以上是折现率为10%的年金现值系数表，您可以根据年限来查看相应的现值系数。
年金终值系数表和年金现值系数表
5%10%15%20%25%
10.95240.90910.86960.83330.8000
21.85941.73551.62571.52781.4400
32.72322.48692.28322.10651.9520
43.54603.16992.85502.58872.3616
54.32953.79083.35222.99062.6893
65.07574.35533.78453.32552.9514
75.78644.86844.16043.60463.1611
86.46325.33494.48733.83723.3289
97.10785.75904.77164.03103.4631
107.72176.14465.01884.19253.5705
5%10%15%20%25%
10.95240.90910.86960.83330.8000
21.85941.73551.62571.52781.4400
32.72322.48692.28322.10651.9520
43.54603.16992.85502.58872.3616
54.32953.79083.35222.99062.6893
65.07574.35533.78453.32552.9514
75.78644.86844.16043.60463.1611
86.46325.33494.48733.83723.3289
97.10785.75904.77164.03103.4631
107.72176.14465.01884.19253.5705
5%10%15%20%25%
11.00001.00001.00001.00001.0000
22.05002.10002.15002.20002.2500
33.15253.31003.47253.64003.8125
44.31014.64104.99345.36805.7656
55.52566.10516.74247.44168.2070年金现值系数表
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
月度年金现值系数表
月度年金现值系数表
1. 什么是年金？
年金是一种由固定金额的定期支付组成的投资。它可以用于退休计划、保险计划或其他长期储蓄目标。年金通常以每月、每季度或每年等固定间隔支付。
2. 年金的现值系数
在计算年金时，我们需要考虑时间价值的概念。时间价值是指未来收入相对于现在收入的价值。由于货币的时间价值，未来收入价值会降低。
所以，为了计算未来的年金收入在当前时间点的价值，我们需要使用现值系数。现值系数是一个因子，用于将未来的金额折算为当前价值。
3. 如何使用月度年金现值系数表？
月度年金现值系数表提供了不同利率和不同期限下的现值系数。利率和期限是两个关键变量，影响着未来收入在当前时间点的价值。
使用月度年金现值系数表时，您需要找到与您所需利率和期限相对应的现值系数。然后将该系数乘以您所需的未来每期支付金额，即可得到当前时间点下该未来收入流的现值。
例如，假设您希望计算在5年期限内，每月支付100美元的年金在4%的利率下的现值。您可以在表格中找到对应于5年期限和4%利率的现值系数，假设为0.847。然后将此系数乘以100美元，即可得到该年金在当前时间点下的现值为84.7美元。
4. 月度年金现值系数表示例
利率 1个月 2个月 3个月 … 12个月
1% 0.9901 0.9804 0.9709 … 0.8929
2% 0.9803 0.9612 0.9423 … 0.8597 利率 1个月 2个月 3个月 … 12个月
3% 0.9706 0.9426 0.9151 … 0.8286
… … …
…
…
…
10%
5. 如何计算不在表格中的利率和期限？
如果您需要计算不在月度年金现值系数表中的利率和期限下的现值系数，您可以使用插值法。插值法是一种通过已知数据点之间的关系来估计未知数据点的方法。
例如，如果您需要计算3.5%利率和7个月期限下的现值系数，您可以使用线性插值法。首先，在表格中找到3%利率和6个月期限对应的现值系数，假设为0.891。然后，在3%和4%利率之间进行线性插值，得到一个近似值。