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年金现值、终值系数表

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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

121.1271.2681.4261.6011.7962.0122.2522.5182.8133.1383.4983.8964.3354.8185.35

131.1381.2941.4691.6651.8862.1332.412.723.0663.4523.8834.3634.8985.4926.153

141.1491.3191.5131.7321.982.2612.5792.9373.3423.7974.314.8875.5356.2617.076

151.1611.3461.5581.8012.0792.3972.7593.1723.6424.1774.7855.4746.2547.1388.137

161.1731.3731.6051.8732.1832.542.9523.4263.974.5955.3116.137.0678.1379.358

171.1841.41.6531.9482.2922.6933.1593.74.3285.0545.8956.8667.9869.27610.761

181.1961.4281.7022.0262.4072.8543.383.9964.7175.566.5447.699.02410.57512.375

191.2081.4571.7542.1072.5273.0263.6174.3165.1426.1167.2638.61310.19712.05614.232

201.221.4861.8062.1912.6533.2073.874.6615.6046.7278.0629.64611.52313.74316.367

211.2321.5161.862.2792.7863.44.1415.0346.1097.48.94910.80413.02115.66818.822

221.2451.5461.9162.372.9253.6044.435.4376.6598.149.93412.114.71417.86121.645

231.2571.5771.9742.4653.0723.824.7415.8717.2588.95411.02613.55216.62720.36224.891

241.271.6082.0332.5633.2254.0495.0726.3417.9119.8512.23915.17918.78823.21228.625

251.2821.6412.0942.6663.3864.2925.4276.8488.62310.83513.5851721.23126.46232.919

261.2951.6732.1572.7723.5564.5495.8077.3969.39911.91815.0819.0423.99130.16737.857

271.3081.7072.2212.8833.7334.8226.2147.98810.24513.1116.73921.32527.10934.3943.535

281.3211.7412.2882.9993.925.1126.6498.62711.16714.42118.5823.88430.63339.20450.066

291.3351.7762.3573.1194.1165.4187.1149.31712.17215.86320.62426.7534.61644.69357.575

301.3481.8112.4273.2434.3225.7437.61210.06313.26817.44922.89229.9639.11650.9566.212

401.4892.2083.2624.8017.0410.28614.97421.72531.40945.25965.00193.051132.78188.88267.86

501.6542.6924.3847.10711.46718.4229.45746.90274.358117.39184.57289450.74700.231083.7复利终值系数表（FVIF表）16%17%18%19%20%25%30%

1.161.171.181.191.21.251.3

1.3461.3691.3921.4161.441.5631.69

1.5611.6021.6431.6851.7281.9532.197

1.8111.8741.9392.0052.0742.4412.856

2.12.1922.2882.3862.4883.0523.713

2.4362.5652.72.842.9863.8154.827

2.8263.0013.1853.3793.5834.7686.275

3.2783.5113.7594.0214.35.968.157

3.8034.1084.4354.7855.167.45110.604

4.4114.8075.2345.6956.1929.31313.786

5.1175.6246.1766.7777.4311.64217.922

5.9366.587.2888.0648.91614.55223.298

6.8867.6998.5999.59610.69918.1930.288

7.9889.00710.14711.4212.83922.73739.374

9.26610.53911.97413.5915.40728.42251.186

10.74812.3314.12916.17218.48835.52766.542

12.46814.42616.67219.24422.18644.40986.504

14.46316.87919.67322.90126.62355.511112.46

16.77719.74823.21427.25231.94869.389146.19

19.46123.10627.39332.42938.33886.736190.05

22.57427.03432.32438.59146.005108.42247.07

26.18631.62938.14245.92355.206135.53321.18

30.37637.00645.00854.64966.247169.41417.54

35.23643.29753.10965.03279.497211.76542.8

40.87450.65862.66977.38895.396264.7705.64

47.41459.2773.94992.092114.48330.87917.33

5569.34587.26109.59137.37413.591192.5

63.881.134102.97130.41164.85516.991550.3

74.00994.927121.5155.19197.81646.242015.4

85.85111.07143.37184.68237.38807.792620

378.72533.87750.381051.71469.87523.236119

1670.72566.23927.45988.99100.470065497929

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(完整版)年金现值、年金终值、复利现值、复利终值系数表

(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

年金现值系数表

年金现值系数表

年金现值系数表

第 1 页 共 3 页 年金现值系数表

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

普通年金现值、终值系数表

普通年金现值、终值系数表

0.010.020.030.040.050.060.070.080.09

10.9900.9800.9710.9620.9520.9430.9350.9260.917

21.9701.9421.9131.8861.8591.8331.8081.7831.759

32.9412.8842.8292.7752.7232.6732.6242.5772.531

43.9023.8083.7173.6303.5463.4653.3873.3123.240

54.8534.7134.5804.4524.3294.2124.1003.9933.890

65.7955.6015.4175.2425.0764.9174.7674.6234.486

76.7286.4726.2306.0025.7865.5825.3895.2065.033

87.6527.3257.0206.7336.4636.2105.9715.7475.535

98.5668.1627.7867.4357.1086.8026.5156.2475.995

109.4718.9838.5308.1117.7227.3607.0246.7106.418

1110.3689.7879.2538.7608.3067.8877.4997.1396.805

1211.25510.5759.9549.3858.8638.3847.9437.5367.161

1312.13411.34810.6359.9869.3948.8538.3587.9047.487

1413.00412.10611.29610.5639.8999.2958.7458.2447.786

1513.86512.84911.93811.11810.3809.7129.1088.5598.061

1614.71813.57812.56111.65210.83810.1069.4478.8518.313

1715.56214.29213.16612.16611.27410.4779.7639.1228.544

各类年金终值、现值计算公式对比表

各类年金终值、现值计算公式对比表

文字表达备注文字表达备注文字复利终值 = 现值 * 复利现值系数复利现值 = 终值 * 复利终值系数字母FVn = PV * FVIFi,n PV = FVn * PVIFi,n文字年金终值 = 年金 * 年金终值系数利率，期数年金现值 = 年金 * 年金现值系数字母 FVAn = A * FVIFAi,n PVAn = A * PVIFAi,n文字年金终值 = 年金 * （年金终值系数利率，期数+1-1）年金终值 = 年金 * 年金终值系数利率，期数 *（1+利率）年金现值 = 年金 * （年金现值系数利率，期数+1-1）年金现值 = 年金 * 年金现值系数利率，期数 *（1+利率）字母方法一： Vn = A *（FVIFAi，n+1-1）方法二： Vn = A * FVIFAi，n *（1+i）方法一： V0 = A *（PVIFAi，n+1-1）方法二： V0 = A * PVIFAi，n *（1+i）文字年金终值 = 年金 * 年金终值系数利率，期数两次折现法:年金现值=年金×年金现值系数利率,偿付本息的期数×年金现值系数利率,未偿还的期数年金现值系数之差法:年金现值=年金×（年金现值系数利率，总期数-年金现值系数利率，未偿还的期字母 FVAn = A * FVIFAi,n两次折现法: V0 = A × PVIFAi,n × PVIFi,m年金现值系数之差法: V0 = A × （ PVIFAi,n+m - PVIFAi,m ）永久年金文字永久年金没有终值永久年金现值 = 年金 / 折现率 = A / iFVIFAi,n=年金的复利终值系数计算递延年金终值和计算后付年金终值类似,递延年金终值与递延期无关。各类年金现值、终值计算公式对比表终值现值复利PVIFi,n=(1+i)-nPVIF i,n = 复利现值系数复利终值系数与复利现值系数之间互为倒数PVIFAi,n=年金的复利现值系数方法一： 期数加一，系数减一方法二： 普通年金公式*（1+利率）名称后付年金（普通年金）先付年金延期年金FVIFi,n = (1 + i)nn=期数， i=利率FVIF i,n=复利终值系数FVIFAi,n=年金的复利终值系数方法一：期数加一，系数减一方法二：普通年金公式*（1+利率）