复利现值系数表

n i12345671011121314151617181920212223242526272829301%0.99010.98030.97060.9610.95150.9420.93270.92350.91430.90530.630.88740.87870.870.86130.85280.84440.8360.82770.81950.81140.80340.790.78760.77980.7720.740.75680.74930.74192%0.98040.96120.94230.92380.90570.8880.87060.85350.83680.82030.80430.78850.7730.75790.7430.72840.71420.70020.680.6730.65980.680.63420.62170.60950.59760.58590.57440.56310.55213%0.97090.94260.91510.88850.86260.83750.81310.740.760.74410.72240.70140.6810.66110.190.62320.6050.58740.57030.55370.53750.52190.50670.49190.47760.46370.45020.43710.42430.4124%0.96150.92460.80.880.82190.79030.75990.73070.70260.67560.960.62460.60060.57750.55530.53390.51340.49360.47460.450.43880.4220.40570.39010.37510.36070.34680.33350.32070.30835%0.95240.9070.86380.82270.78350.74620.71070.67680.460.61390.58470.55680.53030.50510.4810.45810.43630.41550.39570.37690.350.34180.32560.31010.29530.28120.26780.25510.24290.23146%0.94340.0.83960.79210.74730.7050.66510.62740.59190.55840.52680.4970.46880.44230.41730.39360.37140.35030.33050.31180.29420.27750.26180.2470.2330.21980.20740.19560.18460.17417%0.93460.87340.81630.76290.7130.66630.62270.5820.390.50830.47510.4440.4150.38780.36240.33870.31660.29590.27650.25840.24150.22570.21090.19710.18420.17220.16090.15040.14060.13148%0.92590.85730.79380.7350.68060.63020.58350.030.50020.46320.420.39710.36770.34050.31520.29190.27030.25020.23170.21450.19870.18390.17030.15770.1460.13520.12520.11590.10730.0994注：

复利现值系数（present-value interest factor）

复利现值的计算公式：　P=F*1/（1+i）n=F*（1+i）-N　 式中(复利现值系数记作(P/F，i，n)，表示利率为i，计息期为n期的复利

− n及

9%0.91740.84170.77220.70840.990.59630.70.50190.46040.42240.38750.35550.32620.29920.27450.25190.23110.2120.19450.17840.16370.15020.13780.120.1160.100.09760.050.08220.07

10%0.90910.820.75130.6830.62090.550.51320.46650.42410.38550.35050.31860.270.26330.23940.21760.19780.17990.16350.14860.13510.12280.11170.10150.09230.08390.07630.06930.0630.0573

11%0.90090.81160.73120.65870.59350.53460.48170.43390.39090.35220.31730.28580.25750.2320.2090.18830.16960.15280.13770.1240.11170.10070.09070.08170.07360.06630.05970.05380.04850.0437

12%0.290.79720.71180.63550.56740.50660.45230.40390.36060.3220.28750.25670.22920.20460.18270.16310.14560.130.11610.10370.09260.08260.07380.06590.05880.05250.04690.04190.03740.0334

13%0.8850.78310.69310.61330.280.48030.42510.37620.33290.29460.26070.23070.20420.18070.15990.14150.12520.11080.09810.08680.07680.0680.06010.05320.04710.04170.03690.03260.020.0256

14%0.87720.76950.6750.59210.51940.45560.39960.35060.30750.26970.23660.20760.18210.15970.14010.12290.10780.09460.08290.07280.06380.0560.04910.04310.03780.03310.02910.02550.02240.0196

15%0.86960.75610.65750.57180.49720.43230.37590.32690.28430.24720.21490.18690.16250.14130.12290.10690.09290.08080.07030.06110.05310.04620.04020.03490.03040.020.0230.020.01740.0151

16%0.86210.74320.070.55230.47610.41040.35380.3050.2630.22670.190.16850.14520.12520.10790.0930.08020.06910.05960.05140.04430.03820.03290.02840.02450.02110.01820.01570.01350.0116

17%0.870.73050.62440.53370.45610.380.33320.28480.24340.2080.17780.1520.12990.1110.09490.08110.06930.05920.05060.04330.0370.03160.0270.02310.01970.01690.01440.01230.01050.009

式中(1 + i) − n及1/（1+i)n称为复利现值系数，i称为贴现率，由终值求现值的过程称为贴的复利现值系数。

18%0.84750.71820.60860.51580.43710.37040.31390.2660.22550.19110.16190.13720.11630.09850.08350.07080.060.05080.04310.03650.03090.02620.02220.01880.0160.01350.01150.00970.00820.007

19%0.84030.70620.59340.49870.4190.35210.29590.24870.2090.17560.14760.1240.10420.08760.07360.06180.0520.04370.03670.03080.02590.02180.01830.010.01290.01090.00910.00770.000.00

20%0.83330.69440.57870.48230.40190.33490.27910.23260.19380.16150.13460.11220.09350.07790.090.010.04510.03760.03130.02610.02170.01810.01510.01260.01050.00870.00730.00610.00510.0042

21%0.820.6830.550.46650.38550.31860.26330.21760.17990.14860.12280.10150.08390.06930.05730.04740.03910.03230.02670.02210.01830.01510.01250.01030.00850.0070.00580.00480.0040.0033

22%0.81970.67190.55070.45140.370.30330.24860.20380.1670.13690.11220.0920.070.06180.05070.04150.0340.02790.02290.01870.010.01260.01030.00850.00690.00570.00470.00380.00310.0026

23%0.8130.6610.53740.43690.35520.28880.23480.19090.15520.12620.10260.08340.06780.05510.04480.030.02960.02410.01960.01590.01290.01050.00860.0070.00570.00460.00370.0030.00250.002

24%0.80650.65040.52450.4230.34110.27510.22180.170.14430.110.09380.07570.0610.04920.03970.0320.02580.02080.01680.01350.01090.00880.00710.00570.00460.00370.0030.00240.0020.0016

25%0.80.0.5120.40960.32770.26210.20970.16780.13420.10740.08590.06870.0550.0440.03520.02810.02250.0180.01440.01150.00920.00740.00590.00470.00380.0030.00240.00190.00150.0012

26%0.79370.62990.49990.39680.31490.24990.19830.15740.12490.09920.07870.06250.04960.03930.03120.02480.01970.01560.01240.00980.00780.00620.00490.00390.00310.00250.00190.00150.00120.001

由终值求现值的过程称为贴现。

27%0.78740.620.48820.38440.30270.23830.18770.14780.110.09160.07210.05680.04470.03520.02770.02180.01720.01350.01070.00840.00660.00520.00410.00320.00250.0020.00160.00120.0010.0008

28%0.78130.61040.47680.37250.2910.22740.17760.13880.10840.08470.06620.05170.04040.03160.02470.01930.0150.01180.00920.00720.00560.00440.00340.00270.00210.00160.00130.0010.00080.0006

29%0.77520.60090.46580.36110.27990.2170.16820.13040.10110.07840.06070.04710.03650.02830.02190.0170.01320.01020.00790.00610.00480.00370.00290.00220.00170.00130.0010.00080.00060.0005

30%0.76920.59170.45520.35010.26930.20720.15940.12260.09430.07250.05580.04290.0330.020.01950.0150.01160.000.00680.00530.0040.00310.00240.00180.00140.00110.00080.00060.00050.0004