年金现值、终值、复利现值、终值系数表

99 999

附表一 复利终值系数表

期数12345671011121314151617181920212223242526272829304050601%1.01001.02011.03031.04061.05101.06151.07211.08291.09371.10461.11571.12681.13811.14951.16101.17261.18431.19611.20811.22021.23241.24471.25721.26971.28241.29531.30821.32131.33451.34781.481.461.81672%1.02001.04041.06121.08241.10411.12621.14871.17171.19511.21901.24341.26821.29361.31951.34591.37281.40021.42821.45681.48591.51571.601.57691.60841.061.67341.70691.74101.77581.81142.20802.69163.28103%1.03001.06091.09271.12551.15931.19411.22991.26681.30481.34391.38421.42581.46851.51261.55801.60471.65281.70241.75351.80611.86031.91611.97362.03282.09382.15662.22132.28792.35662.42733.26204.38395.1%1.04001.08161.12491.16991.21671.26531.31591.36861.42331.48021.53951.60101.66511.73171.80091.87301.94792.02582.10682.19112.27882.36992.472.56332.66582.77252.88342.99873.11873.24344.80107.106710.5205%1.05001.10251.15761.21551.27631.34011.40711.47751.55131.621.71031.79591.88561.97992.072.18292.29202.40662.52702.65332.78602.92533.07153.22513.383.55573.73353.92014.11614.32197.040011.46718.6796%1.06001.12361.19101.26251.33821.41851.50361.59381.651.79081.832.01222.13292.26092.39662.042.69282.833.02563.20713.39963.60353.81974.044.29194.944.82235.11175.41845.743510.28618.42032.9887%1.07001.14491.22501.31081.40261.50071.60581.71821.83851.96722.10492.25222.40982.57852.75902.95223.15883.37993.61653.86974.140.43044.74055.07245.42745.80746.21396.887.11437.612314.97529.45757.9468%1.08001.161.25971.36051.46931.58691.71381.85091.99902.152.33162.51822.71962.93723.17223.42593.70003.99604.31574.66105.03385.43655.87156.34126.84857.397.98818.62719.317310.06321.726.902101.269%1.09001.18811.29501.41161.53861.67711.82801.99262.17192.36742.58042.81273.06583.34173.253.97034.327.71715.14175.60446.10886.65867.25797.91118.62319.399210.24511.16712.17213.26831.40974.358176.0310%1.10001.21001.33101.411.61051.77161.94872.14362.35792.59372.85313.13843.45233.797.17724.59505.055.55996.11596.72757.40028.14038.939.849710.83511.91813.11014.42115.86317.44945.259117.39304.48 nn1i1i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

期数123456710111213141516171819202122232425262728293040506012%1.12001.241.40491.57351.76231.97382.21072.47602.77313.10583.47853.604.363.88715.47366.13046.86607.69008.612.6310.80412.10013.55215.17917.00019.04021.32523.88426.75029.96093.0512.007.6014%1.14001.29961.48151.601.922.19502.50232.85263.25193.70724.22624.81795.49246.26137.13798.13729.276510.57512.05613.74415.66817.86120.36223.21226.46230.16734.39039.204.69350.950188.88700.232595.915%1.15001.32251.52091.74902.01142.31312.66003.05903.51794.045.65245.35036.15287.07578.13719.357610.76112.37614.23216.36718.82221.524.228.62532.91937.85743.53550.06657.57666.212267.861083.74384.016%1.16001.34561.56091.81062.10032.432.82623.27843.80304.41145.11735.93606.88587.98759.265510.74812.46814.46316.77719.46122.57526.18630.37635.230.87447.41455.00063.80074.00985.850378.721670.77370.218%1.18001.39241.301.93882.28782.69963.18553.7.43555.23386.17597.28768.599410.14711.97414.12916.67219.67323.21427.39332.32438.14245.00853.10962.66973.94987.260102.97121.50143.37750.383927.42055520%1.20001.44001.72802.07362.48832.98603.58324.29985.15986.19177.43018.916110.69912.83915.40718.48822.18626.62331.94838.33846.00555.20666.24779.49795.396114.48137.371.84197.81237.381469.100.45634824%1.24001.53761.90662.322.93163.63524.50775.556.93108.594410.65713.21516.38620.31925.19631.24338.74148.03959.56873.1.592113.57140.83174.63216.268.51332.912.86511.95634.8255.9460*28%1.28001.63842.09722.68443.43604.39805.62957.205.223411.80615.11219.34324.75931.69140.56551.92366.46185.071108.139.38178.41228.36292.30374.14478.90613.00784.1004.31285.615.519427**32%1.32001.74242.30003.03604.00755.296.98269.217012.16716.06021.19927.98336.93748.757.35984.9112.14148.02195.39257.92340.449.39593.20783.021033.613.31800.92377.23137.94142.166521**36%1.36001.84962.51553.42104.65266.32758.6011.70315.91721.729.43940.038.45174.053100.71136.97186.28253.34344.468.57637.26866.671178.71603.02180.129.94032.383.97458.110143*** 注：*〉99 999

nn1i1i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

期数1234567101112131415161718192021222324252627282930304550551%0.99010.98030.97060.96100.95150.94200.93270.92350.91430.90530.630.88740.87870.87000.86130.85280.84440.83600.82770.81950.81140.80340.790.78760.77980.77200.740.75680.74930.74190.70590.67170.63910.60800.57852%0.98040.96120.94230.92380.90570.88800.87060.85350.83680.82030.80430.78850.77300.75790.74300.72840.71420.70020.680.67300.65980.680.63420.62170.60950.59760.58590.57440.56310.55210.50000.45290.41020.37150.33653%0.97090.94260.91510.88850.86260.83750.81310.740.760.74410.72240.70140.68100.66110.190.62320.60500.58740.57030.55370.53750.52190.50670.49190.47760.46370.45020.43710.42430.41200.350.30660.240.22810.19684%0.96150.92460.800.880.82190.79030.75990.73070.70260.67560.960.62460.60060.57750.55530.53390.51340.49360.47460.450.43880.42200.40570.39010.37510.36070.34680.33350.32070.30830.25340.20830.17120.14070.11575%0.95240.90700.86380.82270.78350.74620.71070.67680.460.61390.58470.55680.53030.50510.48100.45810.43630.41550.39570.37690.350.34180.32560.31010.29530.28120.26780.25510.24290.23140.18130.14200.11130.08720.06836%0.94340.000.83960.79210.74730.70500.66510.62740.59190.55840.52680.49700.46880.44230.41730.39360.37140.35030.33050.31180.29420.27750.26180.24700.23300.21980.20740.19560.18460.17410.13010.09720.07270.030.04067%0.93460.87340.81630.76290.71300.66630.62270.58200.390.50830.47510.44400.41500.38780.36240.33870.31660.29590.27650.25840.24150.22570.21090.19710.18420.17220.16090.15040.14060.13140.09370.06680.04760.03390.02428%0.92590.85730.79380.73500.68060.63020.58350.030.50020.46320.420.39710.36770.34050.31520.29190.27030.25020.23170.21450.19870.18390.17030.15770.14600.13520.12520.11590.10730.09940.06760.04600.03130.02130.01459%0.91740.84170.77220.70840.990.59630.700.50190.46040.42240.38750.35550.32620.29920.27450.25190.23110.21200.19450.17840.16370.15020.13780.120.11600.100.09760.050.08220.070.04900.03180.02070.01340.008710%0.90910.820.75130.68300.62090.550.51320.46650.42410.38550.35050.31860.270.26330.23940.21760.19780.17990.16350.14860.13510.12280.11170.10150.09230.08390.07630.06930.06300.05730.03560.02210.01370.00850.0053 注：

S-n-nn1i1i1i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

期数12345671011121314151617181920212223242526272829303045505512%0.290.79720.71180.63550.56740.50660.45230.40390.36060.32200.28750.25670.22920.20460.18270.16310.14560.13000.11610.10370.09260.08260.07380.06590.05880.05250.04690.04190.03740.03340.010.01070.00610.00350.002014%0.87720.76950.67500.59210.51940.45560.39960.35060.30750.26970.23660.20760.18210.15970.14010.12290.10780.09460.08290.07280.06380.05600.04910.04310.03780.03310.02910.02550.02240.01960.01020.00530.00270.00140.000715%0.86960.75610.65750.57180.49720.43230.37590.32690.28430.24720.21490.18690.16250.14130.12290.10690.09290.08080.07030.06110.05310.04620.04020.03490.03040.020.02300.02000.01740.01510.00750.00370.00190.00090.000516%0.86210.74320.070.55230.47610.41040.35380.30500.26300.22670.190.16850.14520.12520.10790.09300.08020.06910.05960.05140.04430.03820.03290.02840.02450.02110.01820.01570.01350.01160.00550.00260.00130.00060.000318%0.84750.71820.60860.51580.43710.37040.31390.26600.22550.19110.16190.13720.11630.09850.08350.07080.06000.05080.04310.03650.03090.02620.02220.01880.01600.01350.01150.00970.00820.00700.00300.00130.00060.00030.000120%0.83330.69440.57870.48230.40190.33490.27910.23260.19380.16150.13460.11220.09350.07790.090.010.04510.03760.03130.02610.02170.01810.01510.01260.01050.00870.00730.00610.00510.00420.00170.00070.00030.0001*24%0.80650.65040.52450.42300.34110.27510.22180.170.14430.110.09380.07570.06100.04920.03970.03200.02580.02080.01680.01350.01090.00880.00710.00570.00460.00370.00300.00240.00200.00160.00050.00020.0001**28%0.78130.61040.47680.37250.29100.22740.17760.13880.10840.08470.06620.05170.04040.03160.02470.01930.01500.01180.00920.00720.00560.00440.00340.00270.00210.00160.00130.00100.00080.00060.00020.0001***32%0.75760.57390.43480.32940.24950.100.14320.10850.08220.06230.04720.03570.02710.02050.01550.01180.000.00680.00510.00390.00290.00220.00170.00130.00100.00070.00060.00040.00030.00020.0001****36%0.73530.070.39750.29230.21490.15800.11620.080.06280.04620.03400.02500.01840.01350.00990.00730.000.00390.00290.00210.00160.00120.00080.00060.00050.00030.00020.00020.00010.0001*****

注：*<0.0001

S-n-nn1i1i1i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

期数12345671011121314151617181920212223242526272829304050601%1.00002.01003.03014.06045.10106.15207.21358.28579.368510.46211.56712.68313.80914.94716.09717.25818.43019.61520.81122.01923.23924.47225.71626.97428.24329.52630.82132.12933.45034.788.886.46381.6702%1.00002.02003.06044.12165.20406.30817.43438.58309.7610.95012.16913.41214.68015.97417.29318.63920.01221.41222.84124.29725.78327.29928.84530.42232.03033.67135.34437.05138.79240.56860.40284.579114.053%1.00002.03003.09094.18365.30916.46847.66258.2310.15911.412.80814.19215.61817.08618.59920.15721.76223.41425.11726.87028.67730.53732.45334.42736.45938.55340.71042.93145.21947.57575.401112.80163.0%1.00002.04003.121.24655.41636.63307.839.214210.58312.00613.48615.02616.62718.29220.02421.82523.69825.527.67129.77831.96934.24836.61839.08341.4.31247.08449.96852.96656.08595.026152.67237.995%1.00002.05003.152.31015.52566.80198.14209.9111.02712.57814.20715.91717.71319.59921.57923.65825.84028.13230.53933.06635.71938.501.43144.50247.72751.114.66958.40362.32366.439120.80209.35353.586%1.00002.06003.183.37465.63716.97538.393.7511.49113.18114.97216.87018.88221.01523.27625.67328.21330.90633.76036.78639.99343.39246.99650.816.86559.15663.70668.52873.079.0581.76290.34533.137%1.00002.07003.21494.43995.75077.15338.6010.26011.97813.81615.78417.820.14122.55125.12927.88830.84033.99937.37940.994.869.00653.43658.17763.24968.67774.48480.69887.34794.461199.406.53813.528%1.00002.08003.244.50615.86667.33598.922810.63712.48814.48716.618.97721.49524.21527.15230.32433.75037.45041.445.76250.42355.45760.366.76573.10679.987.35195.339103.97113.28259.06573.771253.29%1.00002.09003.27814.57315.98477.52339.200411.02913.02115.19317.56020.14122.95326.01929.36133.00336.97441.30146.01951.16056.76562.87369.53276.79084.70193.324102.72112.97124.14136.31337.88815.081944.810%1.00002.10003.31004.106.10517.71569.487211.43613.58015.93718.53121.38424.52327.97531.77335.95040.5.59951.15957.275.00371.40379.388.49798.347109.18121.10134.21148.631.49442.591163.93034.8 注：

1in1计算公式：年金终值系数=

i1in1，S=A

i

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

附表三 年金终值系数表 续表

和

期数123456710111213141516171819202122232425262728293040506012%1.00002.12003.37444.77936.35288.115210.012.30014.77617.920.65524.13328.02932.39337.28042.75348.88455.75063.44072.05281.69992.503104.60118.16133.33150.33169.37190.70214.58241.33767.092400.07471.614%1.00002.14003.439.92116.61018.535510.73113.23316.08519.33723.04527.27132.037.58143.84250.98059.11868.39478.96991.025104.77120.44138.30158.66181.87208.33238.50272.312.09356.791342.04994.51853515%1.00002.15003.472.99346.74248.753711.06713.72716.78620.30424.34929.00234.35240.507.58055.71865.07575.83688.212102.44118.81137.63159.28184.17212.79245.71283.57327.10377.17434.751779.17217.72922016%1.00002.16003.50565.06656.87718.977511.41414.24017.51921.32225.73330.85036.783.67251.66060.92571.67384.14198.603115.38134.84157.42183.60213.98249.21290.09337.50392.50456.30530.312360.81043605818%1.00002.18003.57245.217.129.442012.14215.32719.08623.52128.75534.93142.21950.81860.96572.93987.068103.74123.41146.63174.02206.34244.492.49342.60405.27479.22566.48669.45790.9163.22181311419020%1.00002.20003.005.36807.44169.929912.91616.49920.79925.95932.15039.58148.49759.19672.03587.442105.93128.121.74186.69225.03271.03326.24392.48471.98567.38681.85819.22984.071181.97343.949728173324%1.00002.24003.77765.68428.048410.98014.61519.12324.71331.340.23850.5.11080.496100.82126.01157.25195.99244.03303.60377.469.06582.63723.468.091114.61383.11716.12129.020.922729195373*28%1.00002.28003.91846.01568.699912.13616.53422.16329.36938.59350.39965.51084.853109.61141.30181.87233.79300.25385.32494.21633.59812.001040.41332.71706.82185.72798.73583.34587.75873.269377819103*32%1.00002.32004.06246.36249.398313.40618.69625.67834.7.06263.12284.320112.30149.24198.00262.36347.31459.45607.47802.861060.81401.21850.62443.83226.84260.45624.87425.79802.912941207874**36%1.00002.36004.20966.725110.14614.79921.12629.73241.43557.35278.998108.44148.48202.93276.98377.69514.66700.949.281298.81767.42404.73271.34450.06053.08233.1111981523020714281726090** 注：*>999 999.99

1in1计算公式：年金终值系数=

i1in1，S=A

i

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

附表四 年金现值系数表

和

期数1234567101112131415161718192021222324252627282930304550551%0.99011.97042.94103.90204.85345.79556.72827.65178.56609.471310.36762%0.98041.94162.88393.80774.71355.60146.47207.32558.16228.98269.78683%0.97091.91352.82863.71714.57975.41726.23037.01977.78618.53029.25269.904%0.96151.88612.77513.62994.45185.24216.00216.73277.43538.11098.76059.38519.98565%0.95241.85942.72323.604.32955.07575.786.46327.10787.72178.308.86339.39369.866%0.94341.83342.67303.46514.21244.91735.58246.20986.80177.36017.88698.38388.85279.29509.71227%0.93461.80802.62433.38724.10024.76655.335.97136.51527.02367.49877.94278.35778.74559.10799.44669.76328%0.92591.78332.57713.31213.99274.62295.205.74666.24696.71017.13907.53617.90388.24428.55958.85149.12169.37199.60369.81819%0.91741.75912.53133.23973.874.48595.03305.53485.99526.41776.80527.16077.48697.78628.06078.31268.368.75568.95019.12859.29229.44249.58029.70669.82269.929010%0.90911.73552.48693.16993.79084.35534.86845.33495.75906.14466.49516.81377.10347.36677.60617.82378.02168.20148.398.51368.878.77158.88328.98479.07709.16099.23729.30669.36969.42699.429.77919.862.914.947111.255110.575312.133711.348410.635013.003712.106211.296110.563113.865112.849311.937911.118410.379714.717913.577712.561111.652310.837810.105915.562314.291913.166112.165711.274110.477316.398314.992013.753512.659311.6610.827610.059117.226015.678514.323813.133912.085311.158110.335618.045616.351414.877513.590312.462211.469910.594018.857017.011215.415014.029212.821211.7110.835510.016819.660417.658015.936914.451113.163012.041611.061210.200720.455818.292216.443614.856813.488612.303411.272210.371121.243418.913916.935515.247013.798612.550411.469310.528822.023219.523517.413115.622114.093912.783411.653610.674822.795220.121017.876815.982814.375213.003211.825810.810023.559620.706918.327016.329614.3013.210511.986710.935210.026624.3121.281318.7116.663114.8113.406212.137111.051110.116125.065821.844419.188516.983715.141113.590712.277711.158410.198325.807722.396519.600417.292015.372513.7812.409011.257810.273729.408624.998621.487218.6616.374214.498212.947711.6610.566832.834727.355523.114819.792817.159115.046313.331711.924610.757436.094529.490224.518720.720017.774115.455813.605512.108410.881239.196131.423625.729821.482218.255915.761913.800712.233510.961742.147233.174826.774422.108618.633515.990513.939912.318611.0140 11ii计算公式：年金现值系数=

- n11ii，P=A

- n

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

期数12345671011121314151617181920212223242526272829303045505512%0.291.69012.40183.03733.60484.11144.56384.96765.32825.65025.93776.19446.42356.62826.81096.97407.11967.24977.36587.46947.56207.467.71847.78437.84317.577.94267.98448.02188.05528.17558.24388.28258.30458.317014%0.87721.672.32162.91373.43313.88874.28834.634.945.21615.45275.66035.84246.00216.14226.26516.37296.46746.55046.62316.68706.74296.79216.83516.87296.90616.93526.96076.98307.00277.07007.10507.12327.13277.137615%0.86961.62572.28322.85503.35223.784.16044.48734.77165.01885.23375.42065.58315.72455.84745.926.04726.12806.19826.25936.31256.35876.39886.43386.416.49066.51356.53356.55096.56606.61666.186.636.66056.663616%0.86211.60522.24592.79823.27433.68474.038.343.606.83325.02865.19715.34235.46755.57555.66855.74875.81785.87755.92885.97316.01136.04426.07266.09716.11826.136.15206.16566.17726.21536.23356.24216.24636.248218%0.84751.56562.17432.69013.12723.49763.811.077.30304.49414.65604.79324.90955.00815.09165.16245.22235.27325.31625.35275.38375.40995.43215.45095.46695.48045.49195.50165.50985.51685.53865.825.55235.515.5920%0.83331.52782.10652.58872.99063.32553.60463.83724.03104.192.32714.43924.53274.610.675.729.774.81224.843.869.134.90944.924.93714.947.95634.963.96974.97474.974.991.996.998.999.999824%0.80651.45681.98132.40432.743.02053.24233.42123.56553.68193.77573.85143.91243.961.00134.03334.05914.07994.09674.11034.12124.13004.13714.14284.14744.15114.124.156.158.16014.144.16594.1.166.166628%0.78131.39161.86842.24102.53202.75942.93703.07583.18423.263.33513.38683.42723.45873.48343.50263.51773.52943.53863.583.55143.55583.55923.56193.503.56563.56693.56793.56873.56933.57083.57123.57143.57143.571432%0.75761.33151.76632.09572.34522.53422.67752.78602.86812.93042.97763.01333.04043.06093.073.08823.09713.10393.10903.11293.11583.11803.11973.12103.12203.12273.12333.12373.12403.12423.12483.12503.12503.12503.125036%0.73531.27601.67351.96582.18072.33882.45502.042.60332.952.68342.70842.72682.74032.75022.75752.76292.76682.76972.77182.77342.77462.772.77602.77652.77682.77712.77732.77742.77752.77772.77782.77782.77782.7778 注：

11ii计算公式：年金现值系数=

- n11ii，P=A

- n

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

99 999