范文一:年金终值系数表
表 格 名 称: 表 格 名 称: 年 金 终 值 系 数 表: 年 金 终 值 系 数 表
期数
12345
1%
12.013.03014.06045.101
2%
12.023.06044.12165.204
3%
12.033.09094.18365.3091
4%
12.043.12164.24655.4163
5%
12.053.15254.31015.5256
6%
12.063.18364.37465.6371
7%
12.073.21494.43995.7507
8%
12.083.24644.50615.8666
9%
12.093.27814.57315.9847
10%
12.13.314.6416.1051
11%
12.113.34214.70976.2278
12%
12.123.37444.77936.3528
13%
12.133.40694.84986.4803
14%
12.143.43964.92116.6101
15%
12.153.47254.99346.7424
16%
12.163.50565.06656.8771
17%
12.173.53895.14057.0144
18%
12.183.57245.21547.1542
19%
12.193.60615.29137.2966
20%
12.23.645.3687.4416
21%
12.213.67415.44577.5892
22%
12.223.70845.52427.7396
23%
12.233.74295.60387.8926
24%
12.243.77765.68428.0484
25%
12.253.81255.76568.207
26%
12.263.84765.8488.3684
27%
12.273.88295.93138.5327
28%
12.283.91846.01568.6999
29%
12.293.95416.10088.87
30%
12.33.996.1879.0431
6789
6.1527.21358.28579.3685
6.30817.43438.583
6.46847.66258.8923
6.6337.89839.2142
6.80198.1429.5491
6.97538.3938
7.15338.654
7.33598.9228
7.52339.2004
7.71569.4872
7.91299.7833
8.11528.32278.53558.75378.97759.20689.4429.6839.929910.18310.442310.707910.980111.258811.544211.836612.135912.442312.756
10.08910.404710.730511.066811.413911.77212.141512.522712.915913.321413.739614.170814.615315.073515.545816.032416.533917.050617.5828
15.327
15.90216.499117.118917.7623
22.67
18.4319.122919.841920.587621.361222.163422.995323.857723.66924.712525.802326.940428.128729.369230.6639
32.015
9.897510.259810.636611.028511.435911.859412.299712.757313.232813.726814.240114.7733
11.97812.4876
13.02113.5795
9.754610.159110.582811.026611.491314.16414.775715.415716.085316.785817.518518.284719.085919.923420.798921.7139
1010.462210.949711.463912.006112.577913.180813.816414.486615.192915.937416.72217.548718.419719.337320.303721.321522.393123.521324.708925.958727.273828.657430.112831.643433.252934.944936.723538.592640.556442.6195
1111.566812.168712.807813.486414.206814.971615.783616.645517.560318.531219.561420.654621.814323.044524.349325.732927.199928.755130.403532.150434.00131212.682513.4121
35.96238.038840.237942.566145.030647.638850.398553.317856.4053
50.89554.207757.738661.5013
65.51
69.78
74.32797.625
14.19215.025815.917116.869917.888518.977120.140721.384322.713224.133125.650227.270729.001730.850232.823934.931137.180239.580542.141644.873747.7877
17.71318.882120.140621.495322.953424.522726.211628.029129.984732.088734.351936.7862
27.97530.094932.392634.882737.581140.5047
1313.809314.680315.617816.626839.40442.218745.244548.496651.991355.745959.778864.109768.759673.750679.106684.852991.0161
50.81854.840959.195963.9095
69.01
1414.947415.973917.086318.291919.598621.015122.550524.214926.01921516.096917.293418.598920.023621.5786
23.276
43.67247.102774.52880.496186.949593.9258101.465109.612118.411127.913
153.75167.286
25.12927.152129.360931.772534.405437.279740.417543.842447.580451.659556.110160.965366.260772.035178.330585.192292.6694100.815109.687119.347129.861141.303
1617.257918.639320.156921.824523.657525.672527.888130.324333.003435.949739.189942.753346.671750.980455.71751718.430420.012121.761623.697525.840428.212930.840233.750236.973740.544744.500848.883753.739159.117665.07511819.614721.412323.414425.645428.132430.90571920.810922.840625.116927.671220
22.01924.297426.870429.7781
30.539
33.76
60.92566.648871.67378.9792
72.93979.850287.442195.7799104.935114.983126.011138.109151.377165.924181.868199.337218.47287.06896.0218105.931116.894
129.02
142.43157.253173.636191.735211.723233.791258.145285.014
33.99937.450241.301345.599250.395955.749761.725168.394175.836484.140793.4056103.74115.266128.117142.441158.405176.188195.994218.045242.586269.888300.252334.007371.518
154.74173.354194.254217.712244.033273.556306.658343.758385.323
431.87483.973
37.37941.446346.018551.159156.939563.439770.749478.969288.211898.6032110.285123.414138.166
45.76251.1601
57.27564.202872.052480.946891.0249102.444
33.06636.785640.9955115.38130.033146.628165.418186.688210.758237.989268.785303.601342.945387.389437.573494.213558.112630.166
2123.239225.783328.676531.969235.719339.992744.865250.422956.764564.002572.265181.698792.4699104.7682224.47162325.7163
27.29930.5368
118.81134.841153.139174.021197.847225.026256.018291.347331.606377.465429.681489.11556.717633.593720.964820.215
34.24838.505243.392349.005755.456862.873371.402781.214392.5026105.491120.436137.632157.415180.172206.345236.439271.031310.781356.443408.875469.056538.101617.278708.031811.999931.0441067.28
79.54391.1479104.603120.205138.297159.276183.601211.801244.487282.362326.237377.045435.861503.917
582.63673.626778.771900.1991040.361202.051388.46
18062348.8
28.84532.452936.617941.430546.995853.436160.893369.5319
2426.973530.421934.426539.082644.50250.815658.176766.764876.789888.4973102.174118.155136.832158.659184.168213.978248.808289.495337.011392.484457.225
63.24973.105984.700998.3471114.413133.334
532.75620.817723.461843.033982.2511144.251332.661551.64
1454.2
1706.82002.62
2528.243232.030336.459341.645947.727154.8645155.62181.871212.793249.214292.105342.604402.043471.981554.242650.955764.605898.0921054.791238.64
2629.525633.670938.55344.311751.113559.156468.676579.954493.324109.182127.999150.334176.85208.333245.712290.088342.763405.272479.431567.377671.633795.165941.4651114.631319.491561.681847.842185.712584.373054.44
11591383.151650.361968.722347.752798.713334.843971.78
1716.12063.952481.592982.643583.344302.955164.31
3127.83788.964587.68
5551.8
6714.6
2730.820935.344340.709647.084254.669163.705874.483887.3508102.7232832.129137.051242.930949.967658.402668.528180.697795.3388112.968
121.1143.079169.374200.841238.499283.569337.502402.032479.221571.522681.853813.676971.102134.21159.817190.699
227.95272.889327.104392.503471.378566.481681.112819.223985.5481185.741426.57
2933.450438.792245.218952.966362.322773.639887.3465103.966124.135148.631178.397214.583258.583312.094377.17456.303552.512669.448811.523984.0681193.511447.611755.682128.962580.94
3034.784940.568147.575456.084966.438879.058294.4608113.283136.308164.494199.021241.333293.199356.787434.745530.312647.439790.948966.7121181.881445.151767.082160.492640.923227.173942.034812.985873.237162.828729.99
范文二:年金终值系数表
年金终值系数表(FVIFA表)
n 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20% 25% 30%
1 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2 2.010 2.020 2.030 2.040 2.050 2.060 2.070 2.080 2.090 2.100 2.110 2.120 2.130 2.140 2.150 2.160 2.170 2.180 2.190 2.200 2.250 2.300
3 3.030 3.060 3.091 3.122 3.153 3.184 3.215 3.246 3.278 3.310 3.342 3.374 3.407 3.440 3.473 3.506 3.539 3.572 3.606 3.640 3.813 3.990
4 4.060 4.122 4.184 4.246 4.310 4.375 4.440 4.506 4.573 4.641 4.710 4.779 4.850 4.921 4.993 5.066 5.141 5.215 5.291 5.368 5.766 6.187
5 5.101 5.204 5.309 5.416 5.526 5.637 5.751 5.867 5.985 6.105 6.228 6.353 6.480 6.610 6.742 6.877 7.014 7.154 7.297 7.442 8.207 9.043
6 6.152 6.308 6.468 6.633 6.802 6.975 7.153 7.336 7.523 7.716 7.913 8.115 8.323 8.536 8.754 8.977 9.207 9.442 9.683 9.930 11.259 12.756
7 7.214 7.434 7.662 7.898 8.142 8.394 8.654 8.923 9.200 9.487 9.783 10.089 10.405 10.730 11.067 11.414 11.772 12.142 12.523 12.916 15.073 17.583
8 8.286 8.583 8.892 9.214 9.549 9.879 10.260 10.637 11.028 11.436 11.859 12.300 12.757 13.233 13.727 14.240 14.773 15.327 15.902 16.499 19.842 23.858
9 9.369 9.755 10.159 10.583 11.027 11.491 11.978 12.488 13.021 13.579 14.164 14.776 15.416 16.085 16.786 17.519 18.285 19.086 19.923 20.799 25.802 32.015
10 10.462 10.950 11.464 12.006 12.578 13.181 13.816 14.487 15.913 15.937 16.722 17.549 18.420 19.337 20.304 21.321 22.393 23.521 24.701 25.959 33.253 42.619
11 11.567 12.169 12.808 13.486 14.207 14.972 15.784 16.645 17.560 18.531 19.561 20.655 21.814 23.045 24.349 25.733 27.200 28.755 30.404 32.150 42.566 56.405
12 12.683 13.412 14.192 15.026 16.917 16.870 17.888 18.977 20.141 21.384 22.713 24.133 25.650 27.271 29.002 30.850 32.824 34.931 37.180 39.581 54.208 74.327
13 13.809 14.680 15.618 16.627 17.713 18.882 20.141 21.495 22.953 24.523 26.212 28.029 29.985 32.089 34.352 36.786 39.404 42.219 45.244 48.497 68.760 97.625
14 14.947 15.974 17.086 18.292 19.599 21.015 22.550 24.215 26.019 27.975 30.095 32.393 34.883 37.581 40.505 43.672 47.103 50.818 54.841 54.196 86.949 127.910
15 16.097 17.293 18.599 20.024 21.579 23.276 25.129 27.152 29.361 31.772 34.405 37.280 40.417 43.842 47.580 51.660 56.110 6.965 66.261 72.035 109.690 167.290
16 17.258 18.639 20.157 21.825 23.657 25.673 27.888 30.324 33.003 35.950 39.190 42.753 46.672 50.980 55.717 60.925 66.649 72.939 79.850 87.442 138.110 218.470
17 18.430 20.012 21.762 23.698 25.840 28.213 30.840 33.750 36.974 40.545 44.501 48.884 53.739 59.118 65.075 71.673 78.979 87.068 96.022 105.930 173.640 285.010
18 19.615 21.412 23.414 25.645 28.132 30.906 33.999 37.450 41.301 45.599 50.396 55.750 61.725 68.394 75.836 84.141 93.406 103.740 115.270 128.120 218.050 371.520
19 20.811 22.841 25.117 27.671 30.539 33.760 37.379 41.446 46.018 51.159 56.939 63.440 70.749 79.969 88.212 98.603 110.290 123.410 138.170 154.740 273.560 483.970
20 22.019 24.297 26.870 29.778 33.066 36.786 40.995 45.762 51.160 57.275 64.203 72.052 80.947 91.025 120.440 115.380 130.030 146.630 165.420 186.690 342.950 630.170
25 28.243 32.030 36.459 41.646 47.727 54.865 63.249 73.106 84.701 98.347 114.410 133.330 155.620 181.870 212.790 249.210 292.110 342.600 402.040 471.980 1054.800 2348.800
30 34.785 40.588 47.575 56.085 66.439 79.058 94.461 113.280 136.310 164.490 199.020 241.330 293.200 356.790 434.750 530.310 647.440 790.950 966.700 1181.900 3227.200 8730
40 48.886 60.402 75.401 95.026 120.800 154.760 199.640 259.060 337.890 442.590 581.830 767.090 1013.700 1342.000 1779.100 2360.800 3134.500 4163.210 5519.800 7343.900 30089.000 120393
50 64.463 84.579 112.800 152.670 209.350 290.340 406.530 573.770 815.080 1163.900 1668.800 24000 3459.500 4991.500 7217.700 10436 15090 21813 31515 45497 280256 165976
范文三:年金终值系数表(FVIFA表)
FVIFA
12345678910111213141516171819202530n % % % % % % % % % % % % % % % % % % % % % %
1.1.1.1.1.1.1.1.1.1.001.01.01.01.01.01.01.01.01.01.01.01.01 00000000000000000000 00 00 00 00 00 00 00 00 00 00 00 0 0 0 0 0 0 0 0 0 0
2.2.2.2.2.2.2.2.2.2.002.12.12.12.12.12.12.12.12.12.22.22.32 03040506070809121200 10 30 40 50 60 70 80 90 00 50 00 0 0 0 0 0 0 0 0 0 0
3.3.3.3.3.3.3.3.3.3.003.33.33.43.43.43.53.53.53.63.63.83.93 09121518212427373610 42 07 40 73 06 39 72 06 40 13 90 1 2 3 4 5 6 8 4 0 0
4.4.4.4.4.4.4.4.4.4.014.64.74.84.94.95.05.15.25.25.35.76.14 18243137445057776241 10 50 21 93 66 41 15 91 68 66 87 4 6 0 5 0 6 3 9 0 2
5.5.5.5.5.5.5.5.5.6.126.16.26.46.66.76.87.07.17.27.48.29.05 30415263758698350005 28 80 10 42 77 14 54 97 42 07 43 9 6 6 7 1 7 5 3 1 4
6.6.6.6.6.6.7.7.7.8.12.137.77.98.38.58.78.99.29.49.69.911.6 4663809715335211755016 13 23 36 54 77 07 42 83 30 259 8 3 2 5 3 6 3 5 6 2 8
7.7.7.7.8.8.8.8.9.1010.10.11.11.11.12.12.12.17.249.49.715.7 66891439659220.04073064177145291581387 83 073 2 8 2 4 4 3 0 89 5 0 7 4 2 2 3 6 3 4 4
8.8.8.9.9.9.10101111.11.1212.13.13.14.14.15.15.16.23.2519.8 89215487.2.6.04385.375237224773290498588842 2 4 9 9 60 37 28 6 9 00 7 3 7 0 3 7 2 9 8 6 3
9.9.1010111111121313.14.1415.16.16.17.18.19.19.20.32.3725.9 .1.5.0.4.9.4.05716.741087851280892790165802 59 83 27 91 78 88 21 9 4 76 6 5 6 9 5 6 3 9 5 9 5
11
0.0.1112121313141515.16.1718.19.20.21.22.23.24.25.42.133.49.4.0.5.1.8.4.99372.54233303239527095610 253 6564 06 78 81 16 87 13 7 2 49 0 7 4 1 3 1 1 9 9 2 0
11
1.2.1213141415161718.19.2021.23.24.25.27.28.30.32.56.142.51.8.4.2.9.7.6.55356.68104347320754015401 566 6608 86 07 72 84 45 60 1 1 55 4 5 9 3 0 5 4 0 5 7 9
11
2.3.1415161617182021.22.2425.27.29.30.32.34.37.39.74.154.64.1.0.9.8.8.9.13871.16527008582931858322 208 8192 26 17 70 88 77 41 4 3 33 0 1 2 0 4 1 0 1 7 3 2
11
3.4.1516171820212224.26.2829.32.34.36.39.42.45.48.97.168.86.6.6.7.8.1.4.95221.09808357840212449623 760 0818 27 13 82 41 95 53 3 2 29 5 9 2 6 4 9 4 7 5 9 0
11
4.5.1718192122242627.30.3234.37.40.43.47.50.54.54.12186.99.0.2.5.0.5.2.09709.388585067108184197.94 949 4786 92 99 15 50 15 19 5 5 93 3 1 5 2 3 8 1 6 10 7 4
11
6.7.1820212325272931.34.3740.43.47.51.56.66.72.1091616.902.5.0.5.2.1.1.37740.241845866112603.697.25 65 9999 24 79 76 29 52 61 2 5 80 7 2 0 0 0 1 5 0 90 7 3
11
7.8.2021232527303335.39.4246.50.55.60.66.72.79.87.13821126.1.8.6.6.8.3.09519.76798719264938544.118.46 5357 25 57 73 88 24 03 0 0 53 2 0 7 5 9 9 0 2 0 70 8 9
12
8.0.2123252830333640.44.4853.59.65.71.78.87.96.1017328140.7.6.8.2.8.7.95450.8731107679706025.9.645.07 3162 98 40 13 40 50 74 5 1 84 9 8 5 3 9 8 2 30 0 10 0 2
12
9.1.2325283033374145.50.5561.68.75.84.93.10111221837164.4.6.1.9.9.4.35939.772398314403.75.28.1.051.58 1114 45 32 06 99 50 01 9 6 50 5 4 6 1 6 40 70 20 0 20 5 2
22
0.2.2527303337414651.56.6370.79.88.98.1112131527348188.1.6.5.7.3.4.01593.4749621600.23.48.14.7.563.99 1417 71 39 60 79 46 18 9 9 40 9 9 2 3 90 10 70 40 0 70 1 1
22
2.4.2629333640455157.64.7280.91.12111314161834263202.8.7.0.7.9.7.12720.094020.45.30.06.65.46.6.950.10 1970 78 66 86 95 62 60 5 3 52 7 5 40 80 30 30 20 90 0 70 9 7
2313238.2.3641475463738498.11151821242934404710523.48.20.4.6.7.8.2.1.7344.45.61.82.79.22.12.62.01.94.85 33804359 46 27 65 49 06 01 7 10 20 70 90 10 10 00 40 80 00 0 0 3 0
34111324114.0.475666799416192935435364799632233.6.1.81.8775.5.0.4.0.44.49.03.26.74.70.37.40.96.77.20 2831339030 8875 85 39 58 61 90 20 00 90 50 10 40 50 00 00 0 0 0 0 5 8
4612151925337610131723314155738.0.759544583001240.4.9.9.7.7.13.42.79.60.34.63.19.43.84.4.02.51.889.030 80766406890970001080502180908001 26 90 30 000 93 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6 2
681115202940578111163449724.4.2410152131451652.2.9.0.6.3.5.63.68.59.91.17.28045004309815149590 806735345377089080505070256 670 6 0 3 5 7 76 0 0 0 0 0 0 0 0 0 0 0 0 3 9
范文四:[年金复利终值系数表]复利终值系数、复利现值系数、年金终值系数、年金现值系数
[年金复利终值系数表]复利终值系数、复利现值系数、年金终值系数、年金现值系数 篇一 : 复利终值系数、复利现值系数、年金终值系数、年金现值系数
怎样理解年金现值、年金终值、复利终值、复利现值,
复利现值系数,1/
,
其中i为利率,n为期数
这是一个求未来现金流量现值的问题
591+592+593+594+5=1000 59*+1250*=1000
第一个是年金现值系数
第二个是复利现值系数
一般是通过插值测出来
比如:设I=9%会得一个答案A,大于1000;设I=11%会得另一个答案B,小于1000 则会有/=/
解方程可得X,即为所求的10%
年金现值系数,[1,,n]/i
普通年金现值系数,[1-复利现值系数]/i
普通年金终值系数=[n-1]/i
普通年金终值系数,[复利终值系数-1]/i
复利现值系数或者,,n
复利终值系数=F/P=
偿债基金系数 偿债基金系数和年金终值系数互为倒数
年金终值就是你每年投入相等量的款项,按照活期存款利率0.72%算,存个10年后全部拿出,到时候你可以得到的数额。=10+10*+...+10*10次方
年金现值是相反计算,就是你每年投入相等量的款项,按照活期存款利率0.72%算,存个10年后全部拿出,到时候你能拿到这笔钱,那么,年金现值就是指的是这笔钱放在今天,它值多少钱。
比如你每年存款10万,存10年,年利率0.72%,那么你的年金现值就是:
10*=10+10/+...+10/10次方
复利终值,现值*复利终值系数
复利现值,终值*复利现值系数
复利终值系数、复利现值系数是什么,
复利终值系数,就是说,现在投入一笔钱P,每期末的本利和作为下一期的本金,继续按照复利率计算利息,如此周而复始,到一段期限末,能够取得的本利和F,应该等于现在投入的这笔钱的金额P乘以该系数。
用公式表示,F=*P
复利现值系数,就是说,现在投入一笔钱P,每期末的本利和作为下一期的本金,继续按照复利率计算利息,如此周而复始,到一
段期限末,取得的本利和F,乘以该系数,应该等于现在投入的这笔钱的金额P。
用公式表示,P=*F
F=P*
所以,复利现值系数=P/F=1/
)
复利终值系数=F/P=
复利终值系数 复利简述
复利是指在每经过一个计息期后,都要将所生利息加入本金,以计算下期的利息。这样,在每一计息期,上一个计息期的利息都要成为生息的本金,即以利生利,也就是俗称的“利滚利”。
复利计算公式及复利终值系数
复利的计算是对本金及其产生的利息一并计算,也就是利上有利。 复利计算的特点:把上期未的本利和作为下一期的本金,在计算时每一期本金的数额是不同的。
复利的计算公式:F=P*
F—终值,指资金发生在某一特定时间序列终点时的价值;
P—现值,指资金发生在某一特定时间序列起点时的价值;
i—计息周期复利率;
n—计息周期数。[,
式中
成为一次支付终值系数,可通过复利终值系数表查得。 举例
例如:本金为50000元,利率或者投资回报率为8%,投资年限为10年,那么,10年后所得到的本利和,按复利计算公式来计算就是:
F=50000× =50000*2.1589=107945
复利现值系数 复利现值系数是复利终值的对称概念,指未来一定时间的特定资金按复利计算的现在价值,或者说是为取得将来一定复利现值系数本利和现在所需要的本金。
计算方法
复利现值是指未来发生的一笔收付款其现在的价值。例:若年利率为10%,从第1年到第3年,各年年末的1元,其现在的价值 计算如下:
1年后1元的现值=1/=0.909
其中的1/
就是复利现值系数。记作.其中i是利率,n是年数。根据这两个条件就可以查到具体对应的复利现值系数了。
或者:P=S×-n
上式中的-n是把终值折算为现值的系数,称复利现值系数,或称1元的复利现值,用符号表示。例如,表示利率为10%时5期的复利现值系数。为了便于计算,可编制“复利现值系数表”。该表的使用方法与“复利终值系数表”相同。
实例
例:某人拟在5年后获得本利和10000元,假设投资报酬率为10%,他现在应投入多少元?
P=S×
=10000×
=10000×0(621
=6210
复利现值系数,只要有个计算器就可以了,不需要单独备一张表。单利终值与现值
单利是指只对借贷的原始金额或本金支付的利息。我国银行一般是按照单利计算利息的。
在单利计算中,设定以下符号:
P??本金;
i??利率;
I??利息;
F??本利和;
t??时间。
1(单利终值。单利终值是本金与未来利息之和。其计算公式为:
F=P+I=P+P×i×t=P
例:将100元存入银行,利率假设为10%,一年后、两年后、三年后的终值是多少,
一年后:100×=110
两年后:100×=120
三年后:100×=130[1]
复利现值系数年金系数
概念
复利现值系数年金系数就是把以后各年相等的金额折成现值之和。就是N个复利现值之和。
计算方法
假如得到1000元,也得到1000元,1也得到1000元,也得到1000元,问这四
年的钱加起来折成现值是多少,假如利率10%。 + 1000/
+1000/【的3方]+......,就是N个现值之和这个公式是可用变形的=1000*, 年金终值系数为
[
-1]/i
年金现值系数
年金和年金现值
首先说什么是年金,年金是每隔相等时间间隔收到或支付相同金额的款项,如每年年末收到养老金10000元,即为年金。年金现值是指按照一定的利率把从现在到以后的一定期数的收到的年金折成现在的价值之和。 年金现值系数
定义
现值系数就是按一定的利率每期收付一元钱折成现在的价值。
也就是说知道了现值系数就可以求得一定金额的年金现值之和了。
计算公式
年金现值系数公式:P/A=[1,n]/i
其中i表示报酬率,n表示期数,P表示现值,A表示年金。
比如你在银行里面年末存入1200元,年利率是10%的话,你这5年所存入资金的现
末等额收入或支出的本利和,也就是将每一期的金额,按复利换算到最后一期期末的终值,然后加总,就是该年金终值.例如:每年存款1元,年利率为10%,经过5年,逐年的终值和年金终值,可计算如下:
1元1年的终值=1.000元
1元2年的终值= =1.100
1元3年的终值= =1.210
1元4年的终值= =1.331
1元5年的终值= =1.464
1元年金5年的终值=6.105
如果年金的期数很多,用上述方法计算终值显然相当繁琐.由于每年支付额相等,折算终值的系数又是有规律的,所以,可找出简便的计算方法.
设每年的支付金额为A,利率为i,期数为n,则按复利计算的年金终值S为: S=A+A×+…+A×n-1,
等式两边同乘以:
S=A1+A2+…+An,n-1]/i
式中[n-1]/i的为普通年金、利率为i,经过n期的年金终值记作,可查普通年金终值系数表.
2、年金现值通常为每年投资收益的现值总和,它是一定时间内每期期末收付款项的复利现值
式减式
P-P=A-A,n,
剩下的和上面一样处理就可以了。/5,,5.526;而年金现值系数又是年金终值系数与复利现值系数的乘积,即:5.526*0.7835,4.3296。这恰好是年金现值系数值。也就是说如果给出了复利现值系数就可以算出其他三者的值,或给出复利终值也可以计算出其他三者
的值。
复利现值、终值与年金终值、现值系数的关系
复利现值系数,-n
复利终值系数,
普通年金现值系数,[1--n]/ i
普通年金终值系数,[n-1]/ i
偿债基金系数= i /[n-1]
资本回收系数,i /[1--n]
即付年金现值系数,[1--n]/ i×
即付年金终值系数,[n-1]/ i×
所以,很容易看出下列关系:
复利现值系数×复利终值系数,1
普通年金现值系数×资本回收系数,1
普通年金终值系数×偿债基金系数,1
普通年金现值系数,[1-复利现值系数]/ i
普通年金终值系数,[复利终值系数-1]/ i
即付年金现值系数,普通年金现值系数×
即付年金终值系数,普通年金终值系数×
复利现值系数×普通年金终值系数,普通年金现值系数 复利
终值系数×普通年金现值系数,普通年金终值系数
偿债基金系数和普通年金现值之间的区别,
普通年金终值是指每期期末收入或支出的相关款项,按复利计
算,在最后一期所得的本利和
偿债基金系数,普通年金终值系数的倒数即是偿债基金系数。,)也就是说偿债基金系数和年金终值系数互为倒数。记作,偿债基金系数可以制成表格备查,亦可根据年金终值系数求倒数确定。
普通年金现值,是指为在每期期末取得相等金额的款项,现在需要投入的金额。
偿债基金年金,终值/年金终值系数
偿债基金系数,1/年金终值系数
普通年金现值,年金*年金现值系数
普通年金终值,年金*年金终值系数
理解了应该不会记混淆,年金现值和终值是两头,是绝对数据,而偿债基金系数是比率数,是年金终值系数的倒数
篇二 : 2、在下列各项中,可以直接或间接利用普通年金终值系数计算出确切结?
2、在下列各项中,可以直接或间接利用普通年金终值系数计算出确切结果的项目有。
A.偿债 B.先付年金终值 C.永续年金现值 D.永续年金终值
请说明选与不选的理由,并列出计算步骤
选A.
理由:偿债基金与普通年金终值系数的关系是互为倒数关系;
先付年金终值系数为普通年金终值系数相比,期数加1,而系
数减1;
永续年金现值等于年金除以报酬率;
永续年金没有终值。
故选A。
篇三 : 31普通年金、复利现值终值系数表
年金现值系数表
n 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
1% 0.99 1.97 2.94 3.901 4.853 5.795 6.728 7.651 8.566 9.471 10.367 11.255 12.133 13.003 13.865
2% 0.98 1.941 2.883 3.807 4.713 5.601 6.471 7.325 8.162 8.982 9.786 10.575 11.348 12.106 12.849
3% 0.97 1.913 2.828 3.717 4.579 5.417 6.23 7.019 7.786 8.53 9.252 9.954 10.634 11.296 11.937
4% 0.961 1.886 2.775 3.629 4.451 5.242 6.002 6.732 7.435 8.11 8.76 9.385 9.985 10.563 11.118
5% 0.952 1.859 2.723 3.545 4.329 5.075 5.786 6.463 7.107 7.721 8.306 8.863 9.393 9.898 10.379
6% 0.943 1.833 2.673 3.465 4.212 4.917 5.582 6.209 6.801 7.36 7.886 8.383 8.852 9.294 9.712
8% 0.925 1.783 2.577 3.312 3.992 4.622 5.206 5.746 6.246 6.71 7.138 7.536 7.903 8.244 8.559
10% 0.909 1.735 2.486 3.169 3.79 4.355 4.868 5.334 5.759 6.144
6.495 6.813 7.103 7.366 7.606
12% 0.892 1.69 2.401 3.037 3.604 4.111 4.563 4.967 5.328 5.65 5.937 6.194 6.423 6.628 6.81
14% 0.877 1.646 2.321 2.913 3.433 3.888 4.288 4.638 4.946 5.216 5.452 5.66 5.842 6.002 6.142
15% 0.869 1.625 2.283 2.854 3.352 3.784 4.16 4.487 4.771 5.018 5.233 5.42 5.583 5.724 5.847
16% 0.862 1.605 2.245 2.798 3.274 3.684 4.038 4.343 4.606 4.833 5.028 5.197 5.342 5.467 5.575
18% 0.847 1.565 2.174 2.69 3.127 3.497 3.811 4.077 4.303 4.494 4.656 4.793 4.909 5.008 5.091
20% 0.833 1.527 2.106 2.588 2.99 3.325 3.604 3.837 4.03 4.192 4.327 4.439 4.532 4.61 4.675
22% 0.819 1.491 2.042 2.493 2.863 3.166 3.415 3.619 3.786 3.923 4.035 4.127 4.202 4.264 4.315
24% 0.806 1.456 1.981 2.404 2.745 3.02 3.242 3.421 3.565 3.681 3.775 3.851 3.912 3.961 4.001
25% 0.799 1.44 1.952 2.361 2.689 2.951 3.161 3.328 3.463 3.57 3.656 3.725 3.78 3.824 3.859
30% 0.769 1.36 1.816 2.166 2.435 2.642 2.802 2.924 3.019 3.091 3.147 3.19 3.223 3.248 3.268
35% 0.74 1.289 1.695 1.996 2.219 2.385 2.507 2.598 2.665 2.715
2.751 2.779 2.799 2.814 2.825
40% 0.714 1.224 1.588 1.849 2.035 2.167 2.262 2.33 2.378 2.413 2.438 2.455 2.468 2.477 2.483
45% 0.689 1.165 1.493 1.719 1.875 1.983 2.057 2.108 2.143 2.168 2.184 2.196 2.204 2.209 2.213
50% 0.666 1.111 1.407 1.604 1.736 1.824 1.882 1.921 1.947 1.965 1.976 1.984 1.989 1.993 1.995
16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 40 50
14.717 15.562 16.398 17.226 18.045 18.856 19.66 20.455 21.243 22.023 22.795 23.559 24.316 25.065 25.807 32.834 39.196
13.577 14.291 14.992 15.678 16.351 17.011 17.658 18.292 18.913 19.523 20.121 20.706 21.281 21.844 22.396 27.355 31.423
12.561 13.166 13.753 14.323 14.877 15.415 15.936 16.443 16.935 17.413 17.876 18.327 18.764 19.188 19.6 23.114 25.729
11.652 12.165 12.659 13.133 13.59 14.029 14.451 14.856 15.246 15.622 15.982 16.329 16.663 16.983 17.292 19.792 21.482
10.837 11.274 11.689 12.085 12.462 12.821 13.163 13.488 13.798 14.093 14.375 14.643 14.898 15.141 15.372 17.159 18.255
10.105 10.477 10.827 11.158 11.469 11.764 12.041 12.303 12.55 12.783 13.003 13.21 13.406 13.59 13.764 15.046 15.761
8.851 9.121 9.371 9.603 9.818 10.016 10.2 10.371 10.528 10.674 10.809 10.935 11.051 11.158 11.257 11.924 12.233
7.823 8.021 8.201 8.364 8.513 8.648 8.771 8.883 8.984 9.077 9.16 9.237 9.306 9.369 9.426 9.779 9.914
6.973 7.119 7.249 7.365 7.469 7.562 7.644 7.718 7.784 7.843 7.895 7.942 7.984 8.021 8.055 8.243 8.304
6.265 6.372 6.467 6.55 6.623 6.686 6.742 6.792 6.835 6.872 6.906 6.935 6.96 6.983 7.002 7.105 7.132
5.954 6.047 6.127 6.198 6.259 6.312 6.358 6.398 6.433 6.464 6.49 6.513 6.533 6.55 6.565 6.641 6.66
5.668 5.748 5.817 5.877 5.928 5.973 6.011 6.044 6.072 6.097 6.118 6.136 6.152 6.165 6.177 6.233 6.246
5.162 5.222 5.273 5.316 5.352 5.383 5.409 5.432 5.45 5.466 5.48 5.491 5.501 5.509 5.516 5.548 5.554
4.729 4.774 4.812 4.843 4.869 4.891 4.909 4.924 4.937 4.947 4.956 4.963 4.969 4.974 4.978 4.996 4.999
4.356 4.39 4.418 4.441 4.46 4.475 4.488 4.498 4.507 4.513 4.519 4.524 4.528 4.531 4.533 4.543 4.545
4.033 4.059 4.079 4.096 4.11 4.121 4.129 4.137 4.142 4.147 4.151 4.154 4.156 4.158 4.16 4.165 4.166
3.887 3.909 3.927 3.942 3.953 3.963 3.97 3.976 3.981 3.984 3.987 3.99 3.992 3.993 3.995 3.999 3.999
3.283 3.294 3.303 3.31 3.315 3.319 3.322 3.325 3.327 3.328 3.329 3.33 3.331 3.331 3.332 3.333 3.333
2.833 2.839 2.844 2.847 2.85 2.851 2.853 2.854 2.855 2.855 2.855 2.856 2.856 2.856 2.856 2.857 2.857
2.488 2.491 2.494 2.495 2.497 2.497 2.498 2.498 2.499 2.499 2.499 2.499 2.499 2.499 2.499 2.499 2.499
2.216 2.218 2.219 2.22 2.22 2.221 2.221 2.221 2.221 2.222 2.222 2.222 2.222 2.222 2.222 2.222 2.222
1.996 1.997 1.998 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999
复利现值系数表
n 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
1% 0.99 0.98 0.97 0.96 0.951 0.942 0.932 0.923 0.914 0.905 0.896 0.887 0.878 0.869 0.861
2% 0.98 0.961 0.942 0.923 0.905 0.887 0.87 0.853 0.836 0.82 0.804 0.788 0.773 0.757 0.743
3% 0.97 0.942 0.915 0.888 0.862 0.837 0.813 0.789 0.766 0.744 0.722 0.701 0.68 0.661 0.641
4% 0.961 0.924 0.888 0.854 0.821 0.79 0.759 0.73 0.702 0.675 0.649 0.624 0.6 0.577 0.555
5% 0.952 0.907 0.863 0.822 0.783 0.746 0.71 0.676 0.644 0.613 0.584 0.556 0.53 0.505 0.481
6% 0.943 0.889 0.839 0.792 0.747 0.704 0.665 0.627 0.591 0.558 0.526 0.496 0.468 0.442 0.417
8% 0.925 0.857 0.793 0.735 0.68 0.63 0.583 0.54 0.5 0.463 0.428 0.397 0.367 0.34 0.315
10% 0.909 0.826 0.751 0.683 0.62 0.564 0.513 0.466 0.424 0.385 0.35 0.318 0.289 0.263 0.239
12% 0.892 0.797 0.711 0.635 0.567 0.506 0.452 0.403 0.36 0.321 0.287 0.256 0.229 0.204 0.182
14% 0.877 0.769 0.674 0.592 0.519 0.455 0.399 0.35 0.307 0.269 0.236 0.207 0.182 0.159 0.14
15% 0.869 0.756 0.657 0.571 0.497 0.432 0.375 0.326 0.284 0.247 0.214 0.186 0.162 0.141 0.122
16% 0.862 0.743 0.64 0.552 0.476 0.41 0.353 0.305 0.262 0.226 0.195 0.168 0.145 0.125 0.107
18% 0.847 0.718 0.608 0.515 0.437 0.37 0.313 0.266 0.225 0.191 0.161 0.137 0.116 0.098 0.083
20% 0.833 0.694 0.578 0.482 0.401 0.334 0.279 0.232 0.193 0.161 0.134 0.112 0.093 0.077 0.064
25% 0.8 0.64 0.512 0.409 0.327 0.262 0.209 0.167 0.134 0.107 0.085 0.068 0.054 0.043 0.035
30% 0.769 0.591 0.455 0.35 0.269 0.207 0.159 0.122 0.094 0.072 0.055 0.042 0.033 0.025 0.019
35% 0.74 0.548 0.406 0.301 0.223 0.165 0.122 0.09 0.067 0.049 0.036 0.027 0.02 0.014 0.011
40% 0.714 0.51 0.364 0.26 0.185 0.132 0.094 0.067 0.048 0.034 0.024 0.017 0.012 0.008 0.006
50% 0.666 0.444 0.296 0.197 0.131 0.087 0.058 0.039 0.026 0.017 0.011 0.007 0.005 0.003 0.002
16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32
0.852 0.844 0.836 0.827 0.819 0.811 0.803 0.795 0.787 0.779 0.772 0.764 0.756 0.749 0.741 0.734 0.727
0.728 0.714 0.7 0.686 0.672 0.659 0.646 0.634 0.621 0.609 0.597 0.585 0.574 0.563 0.552 0.541 0.53
0.623 0.605 0.587 0.57 0.553 0.537 0.521 0.506 0.491 0.477 0.463 0.45 0.437 0.424 0.411 0.399 0.388
0.533 0.513 0.493 0.474 0.456 0.438 0.421 0.405 0.39 0.375 0.36 0.346 0.333 0.32 0.308 0.296 0.285
0.458 0.436 0.415 0.395 0.376 0.358 0.341 0.325 0.31 0.295 0.281 0.267 0.255 0.242 0.231 0.22 0.209
0.393 0.371 0.35 0.33 0.311 0.294 0.277 0.261 0.246 0.232 0.219 0.207 0.195 0.184 0.174 0.164 0.154
0.291 0.27 0.25 0.231 0.214 0.198 0.183 0.17 0.157 0.146 0.135 0.125 0.115 0.107 0.099 0.092 0.085
0.217 0.197 0.179 0.163 0.148 0.135 0.122 0.111 0.101 0.092 0.083 0.076 0.069 0.063 0.057 0.052 0.047
0.163 0.145 0.13 0.116 0.103 0.092 0.082 0.073 0.065 0.058 0.052
0.046 0.041 0.037 0.033 0.029 0.026
0.122 0.107 0.094 0.082 0.072 0.063 0.055 0.049 0.043 0.037 0.033 0.029 0.025 0.022 0.019 0.017 0.015
0.106 0.092 0.08 0.07 0.061 0.053 0.046 0.04 0.034 0.03 0.026 0.022 0.019 0.017 0.015 0.013 0.011
0.093 0.08 0.069 0.059 0.051 0.044 0.038 0.032 0.028 0.024 0.021 0.018 0.015 0.013 0.011 0.01 0.008
0.07 0.059 0.05 0.043 0.036 0.03 0.026 0.022 0.018 0.015 0.013 0.011 0.009 0.008 0.006 0.005 0.005
0.054 0.045 0.037 0.031 0.026 0.021 0.018 0.015 0.012 0.01 0.008 0.007 0.006 0.005 0.004 0.003 0.002
0.028 0.022 0.018 0.014 0.011 0.009 0.007 0.005 0.004 0.003 0.003 0.002 0.001 0.001 0.001 0 0
0.015 0.011 0.008 0.006 0.005 0.004 0.003 0.002 0.001 0.001 0.001 0 0 0 0 0 0
0.008 0.006 0.004 0.003 0.002 0.001 0.001 0.001 0 0 0 0 0 0 0 0 0
0.004 0.003 0.002 0.001 0.001 0 0 0 0 0 0 0 0 0 0 0 0
0.001 0.001 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49
0.72 0.712 0.705 0.698 0.692 0.685 0.678 0.671 0.665 0.658 0.651 0.645 0.639 0.632 0.626 0.62 0.614
0.52 0.51 0.5 0.49 0.48 0.471 0.461 0.452 0.444 0.435 0.426 0.418
0.41 0.402 0.394 0.386 0.378
0.377 0.366 0.355 0.345 0.334 0.325 0.315 0.306 0.297 0.288 0.28 0.272 0.264 0.256 0.249 0.241 0.234
0.274 0.263 0.253 0.243 0.234 0.225 0.216 0.208 0.2 0.192 0.185 0.178 0.171 0.164 0.158 0.152 0.146
0.199 0.19 0.181 0.172 0.164 0.156 0.149 0.142 0.135 0.128 0.122 0.116 0.111 0.105 0.1 0.096 0.091
0.146 0.137 0.13 0.122 0.115 0.109 0.103 0.097 0.091 0.086 0.081 0.077 0.072 0.068 0.064 0.06 0.057
0.078 0.073 0.067 0.062 0.057 0.053 0.049 0.046 0.042 0.039 0.036 0.033 0.031 0.029 0.026 0.024 0.023
0.043 0.039 0.035 0.032 0.029 0.026 0.024 0.022 0.02 0.018 0.016 0.015 0.013 0.012 0.011 0.01 0.009
0.023 0.021 0.018 0.016 0.015 0.013 0.012 0.01 0.009 0.008 0.007 0.006 0.006 0.005 0.004 0.004 0.003
0.013 0.011 0.01 0.008 0.007 0.006 0.006 0.005 0.004 0.004 0.003 0.003 0.002 0.002 0.002 0.001 0.001
0.009 0.008 0.007 0.006 0.005 0.004 0.004 0.003 0.003 0.002 0.002 0.002 0.001 0.001 0.001 0.001 0.001
0.007 0.006 0.005 0.004 0.004 0.003 0.003 0.002 0.002 0.001 0.001 0.001 0.001 0.001 0 0 0
0.004 0.003 0.003 0.002 0.002 0.001 0.001 0.001 0.001 0 0 0 0 0 0
0 0
0.002 0.002 0.001 0.001 0.001 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
31普通年金、复利现值终值系数表_复利现值系数表
50 0.608 0.371 0.228 0.14 0.087 0.054 0.021 0.008 0.003 0.001 0
0 0 0 0 0 0 0 0
年金终值系数表
n 1 2 3 4 5 6 7 8 9
1%
2%
3%
4% 1.000 2.040 3.122 4.246 5.416 6.633 7.898 9.214
5% 1.000 2.050 3.153 4.310 5.526 6.802 8.142 9.549
6% 1.000 2.060 3.184 4.375 5.637 6.975 8.394 9.879
7% 1.000 2.070 3.215 4.440 5.751 7.153 8.654
8% 1.000 2.080 3.246 4.506 5.867 7.336 8.923
9% 1.000 2.090 3.278 4.573 5.985 7.523 9.200
10% 1.000 2.100 3.310 4.641 6.105 7.716 9.487
11% 1.000 2.110 3.342 4.710 6.228 7.913 9.783 11.859 14.164 16.722 19.561 22.713 26.212 30.095
12% 1.000 2.120 3.374 4.779 6.353 8.115
13% 1.000 2.130 3.407 4.850 6.480 8.323
14% 1.000 2.140 3.440 4.921 6.610 8.536 10.730 13.233 16.085 19.337 23.045 27.271 32.089 37.581
15% 1.000 2.150 3.473 4.993 6.742 8.754 11.067 13.727 16.786 20.304 24.349 29.002 34.352 40.505
16% 1.000 2.160 3.506 5.066 6.877 8.977 11.414 14.240 17.519 21.321 25.733 30.850 36.786 43.672
17% 1.000 2.170 3.539 5.141 7.014 9.207 11.772 14.773 18.285 22.393 27.200 32.824 39.404 47.103
18% 1.000 2.180 3.572 5.215 7.154 9.442 12.142 15.327 19.086 23.521 28.755 34.931 42.219 50.818
19% 1.000 2.190 3.606 5.291 7.297 9.683 12.523 15.902 19.923 24.701 30.404 37.180 45.244 54.841
20% 1.000 2.200 3.640 5.368 7.442 9.930 12.916 16.499 20.799 25.959 32.150 39.581 48.497 54.196
25%
1.000 1.000 1.000 2.010 2.020 2.030 3.030 3.060 3.091 4.060 4.122 4.184 5.101 5.204 5.309 6.152 6.308 6.468 7.214 7.434 7.662 8.286 8.583 8.892
1.00
2.25
3.81
5.76
8.20
11.2
10.089 10.405 12.300 12.757 14.776 15.416 17.549 18.420 20.655 21.814 24.133 25.650 28.029 29.985 32.393 34.883
15.0
10.260 10.637 11.028 11.436 19.8
9.369 9.755 10.159 10.583 11.027 11.491 11.978 12.488 13.021 13.579 25.8
10 10.462 10.950 11.464 12.006 12.578 13.181 13.816 14.487 15.913 15.937 11 11.567 12.169 12.808 13.486 14.207 14.972 15.784 16.645 17.560 18.531 12 12.683 13.412 14.192 15.026 16.917 16.870 17.888 18.977 20.141 21.384 13 13.809 14.680 15.618 16.627 17.713 18.882 20.141 21.495 22.953 24.523 14 14.947 15.974 17.086 18.292 19.599 21.015 22.550 24.215 26.019 27.975
33.2
42.5
54.2
68.7
86.9
15 16.097 17.293 18.599 20.024 21.579 23.276 25.129 27.152 29.361 31.772 16 17.258 18.639 20.157 21.825 23.657 25.673 27.888 30.324 33.003 35.950 17 18.430 20.012 21.762 23.698 25.840 28.213 30.840 33.750 36.974 40.545 18 19.615 21.412 23.414 25.645 28.132 30.906 33.999 37.450 41.301 45.599 19 20.811 22.841 25.117 27.671 30.539 33.760 37.379 41.446 46.018 51.159 20 22.019 24.297 26.870 29.778 33.066 36.786 40.995 45.762 51.160 57.275 25 28.243 32.030 36.459 41.646 47.727 54.865 63.249 73.106 84.701 98.347
34.405 39.190 44.501 50.396 56.939 64.203
37.280 40.417 42.753 46.672 48.884 53.739 55.750 61.725 63.440 70.749 72.052 80.947
43.842 50.980 59.118 68.394 79.969 91.025
47.580 55.717 65.075 75.836 88.212
51.660 60.925 71.673 84.141 98.603
56.110 66.649 78.979 93.406
6.965 72.939 87.068
66.261 79.850 96.022
72.035 87.442
109.
138.
105.930 173.
103.740 115.270 128.120 218.
110.290 123.410 138.170 154.740 273.
120.440 115.380 130.030 146.630 165.420 186.690 342.
114.410 133.330 155.620 181.870 212.790 249.210 292.110 342.600 402.040 471.980 1054
30 34.785 40.588 47.575 56.085 66.439 79.058 94.461 113.280 136.310 164.490 199.020 241.330 293.200 356.790 434.750 530.310 647.440 790.950 966.700 1181.900 3227
40 48.886 60.402 75.401 95.026 120.800 154.760 199.640 259.060 337.890 442.590 581.830 767.090 1013.700 1342.000 1779.100 2360.800 3134.500 4163.210 5519.800 7343.900 300850 64.463 84.579 112.800 152.670 209.350 290.340 406.530 573.770 815.080 1163.900 1668.800 24000
3459.500 4991.500 7217.700 10436
15090
21813
31515
45497
2802
复利终值系数表
1%
1.010 1.020 1.030
2% 1.020 1.040 1.061
3% 1.030 1.061 1.093
4% 1.040 1.082 1.125
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
25%
30%
1 1.050 1.060 1.070 1.080 1.090 1.100 1.110 1.120 1.130 1.140
1.150 1.160 1.170 1.180 1.190 1.200 1.250 1.300
2 1.103 1.124 1.145 1.166 1.188 1.210 1.232 1.254 1.277 1.300 1.323 1.346 1.369 1.392 1.416 1.440 1.563 1.690
3 1.158 1.191 1.225 1.260 1.295 1.331 1.368 1.405 1.443 1.482 1.521 1.561 1.602 1.643 1.685 1.728 1.953 2.197
4
1.041 1.051 1.062 1.072 1.083 1.094 1.105 1.116 1.127 1.138
1.082 1.104 1.126 1.149 1.172 1.195 1.219 1.243 1.268 1.294
1.126 1.159 1.194 1.230 1.267 1.305 1.344 1.384 1.426 1.469
1.170 1.217 1.265 1.316 1.369 1.423 1.480 1.539 1.601 1.665
1.216 1.262 1.311 1.360 1.412 1.464 1.518 1.574 1.630 1.689 1.749 1.811 1.874 1.939 2.005 2.074 2.441 2.856
5 1.276 1.338 1.403 1.469 1.539 1.611 1.685 1.762 1.842 1.925 2.011 2.100 2.192 2.288 2.386 2.488 3.052 3.713
6 1.340 1.419 1.501 1.587 1.677 1.772 1.870 1.974 2.082 2.195 2.313 2.436 2.565 2.700 2.840 2.986 3.815 4.827
7 1.407 1.504 1.606 1.714 1.828 1.949 2.076 2.211 2.353 2.502 2.660 2.826 3.001 3.185 3.379 3.583 4.768 6.275
8 1.477 1.594 1.718 1.851 1.993 2.144 2.305 2.476 2.658 2.853 3.059 3.278 3.511 3.759 4.021 4.300 5.960 8.157
9 1.551 1.689 1.838 1.999 2.172 2.358 2.558 2.773 3.004 3.252 3.518 3.803 4.108 4.435 4.785 5.160 7.451 10.604
10 11 12 13
1.629 1.791 1.967 2.159 2.367 2.594 2.839 3.106 3.395 3.707 4.046 4.411 4.807 5.234 5.695 6.192 9.313 13.786
1.710 1.898 2.105 2.332 2.580 2.853 3.152 3.479 3.836 4.226 4.652 5.117 5.624 6.176 6.777 7.430 11.642 17.922
1.796 2.012 2.252 2.518 2.813 3.138 3.498 3.896 4.335 4.818 5.350 5.936 6.580 7.288 8.064 8.916 14.552 23.298
1.886 2.133 2.410 2.720 3.066 3.452 3.883 4.363 4.898 5.492 6.153 6.886 7.699 8.599 9.596 10.699 18.190 30.288
14 15 16 17 18 19 20 21 22 23
1.149 1.161 1.173 1.184 1.196 1.208 1.220 1.232 1.245 1.257
1.319 1.346 1.373 1.400 1.428 1.457 1.486 1.516 1.546 1.577
1.513 1.558 1.605 1.653 1.702 1.754 1.806 1.860 1.916 1.974
1.732 1.801 1.873 1.948 2.026 2.107 2.191 2.279 2.370 2.465
1.980 2.261 2.579 2.937 3.342 3.797 4.310 4.887 5.535 6.261 7.076 7.988 9.007 10.147 11.420 12.839 22.737 39.374
2.079 2.397 2.759 3.172 3.642 4.177 4.785 5.474 6.254 7.138 8.137 9.266 10.539 11.974 13.590 15.407 28.422 51.186
2.183 2.540 2.952 3.426 3.970 4.595 5.311 6.130 7.067 8.137 9.358
10.748 12.468 14.463 16.777 19.461 22.574 26.186 30.376
12.330 14.129 16.172 18.488 35.527 66.542
2.292 2.693 3.159 3.700 4.328 5.054 5.895 6.866 7.986 9.276
10.761 12.375 14.232 16.367 18.822 21.645 24.891
14.426 16.672 19.244 22.186 44.409 86.504
2.407 2.854 3.380 3.996 4.717 5.560 6.544 7.690 9.024
10.575 12.056 13.743 15.668 17.861 20.362
16.879 19.673 22.901 26.623 55.511 112.455
2.527 3.026 3.617 4.316 5.142 6.116 7.263 8.613
10.197 11.523 13.021 14.714 16.627
19.748 23.214 27.252 31.948 69.389 146.192
2.653 3.207 3.870 4.661 5.604 6.727 8.062 9.646 23.106 27.393 32.429 38.338 86.736 190.050
2.786 3.400 4.141 5.034 6.109 7.400 8.949
10.804 12.100 13.552
27.034 32.324 38.591 46.005
108.420 135.525 169.407
247.065
2.925 3.604 4.430 5.437 6.659 8.140 9.934 31.629 38.142 45.923 55.206 321.184
3.072 3.820 4.741 5.871 7.258 8.954
11.026
37.006 45.008 54.649 66.247 417.539
24 25 26 27 28 29 30 40 50
1.270 1.282 1.295 1.308 1.321 1.335 1.348 1.489 1.654
1.608 1.641 1.673 1.707 1.741 1.776 1.811 2.208 2.692
2.033 2.094 2.157 2.221 2.288 2.357 2.427 3.262 4.384
2.563 2.666 2.772 2.883 2.999 3.119 3.243 4.801 7.107
3.225 4.049 5.072 6.341 7.911 9.850
12.239 13.585 15.080 16.739 18.580 20.624 22.892 65.001 184.57
15.179 17.000 19.040 21.325 23.884 26.750 29.960 93.051
18.788 21.231 23.991 27.109 30.633 34.616 39.116 132.78 450.74
23.212 26.462 30.167 34.390 39.204 44.693 50.950 188.88 700.23
28.625 32.919 37.857 43.535 50.066 57.575 66.212 267.86 1083.7
35.236 40.874 47.414 55.000 63.800 74.009 85.850 378.72 1670.7
43.297 53.109 65.032 79.497
211.758 264.698 330.872 413.590 516.988 646.235 807.794
542.801
3.386 4.292 5.427 6.848 8.623
10.835 11.918 13.110 14.421 15.863 17.449 45.259 117.39
50.658 62.669 77.388 95.396 705.641
3.556 4.549 5.807 7.396 9.399 59.270 73.949 92.092
114.475 137.371 164.845 197.814 237.376
917.333
3.733 4.822 6.214 7.988
10.245 11.167 12.172 13.268 31.409 74.358
69.345 87.260
109.589 130.411 155.189 184.675
1192.533 1550.293 2015.381 2619.996
3.920 5.112 6.649 8.627 81.134
102.967 121.501 143.371
4.116 5.418 7.114 9.317 94.927
4.322 5.743 7.612
10.063 21.725 46.902
111.065
7.04
10.286
14.974 29.457
533.87 750.38 1051.7 1469.8 7523.2 36119
11.467
18.42 289 2566.2 3927.4 5988.9 9100.4 70065 497929
范文五:普通年金终值系数表
期数 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 2 2.0100 2.0200 2.0300 2.0400 2.0500 2.0600 2.0700 2.0800 2.0900 2.1000 2.1100 2.1200 2.1300 2.1400 2.1500 3 3.0301 3.0604 3.0909 3.1216 3.1525 3.1836 3.2149 3.2464 3.2781 3.3100 3.3421 3.3744 3.4069 3.4396 3.4725 4 4.0604 4.1216 4.1836 4.2465 4.3101 4.3746 4.4399 4.5061 4.5731 4.6410 4.7097 4.7793 4.8498 4.9211 4.9934 5 5.1010 5.2040 5.3091 5.4163 5.5256 5.6371 5.7507 5.8666 5.9847 6.1051 6.2278 6.3528 6.4803 6.6101 6.7424 6 6.1520 6.3081 6.4684 6.6330 6.8019 6.9753 7.1533 7.3359 7.5233 7.7156 7.9129 8.1152 8.3227 8.5355 8.7537 7 7.2135 7.4343 7.6625 7.8983 8.1420 8.3938 8.6540 8.9228 9.2004 9.4872 9.7833 10.0890 10.4047 10.7305 11.0668 8 8.2857 8.5830 8.8923 9.2142 9.5491 9.8975 10.2598 10.6366 11.0285 11.4359 11.8594 12.2997 12.7573 13.2328 13.7268 9 9.3685 9.7546 10.1591 10.5828 11.0266 11.4913 11.9780 12.4876 13.0210 13.5795 14.1640 14.7757 15.4157 16.0853 16.7858 普
通10 10.4622 10.9497 11.4639 12.0061 12.5779 13.1808 13.8164 14.4866 15.1929 15.9374 16.7220 17.5487 18.4197 19.3373 20.3037 年11 11.5668 12.1687 12.8078 13.4864 14.2068 14.9716 15.7836 16.6455 17.5603 18.5312 19.5614 20.6546 21.8143 23.0445 24.3493 金
终12 12.6825 13.4121 14.1920 15.0258 15.9171 16.8699 17.8885 18.9771 20.1407 21.3843 22.7132 24.1331 25.6502 27.2707 29.0017 值13 13.8093 14.6803 15.6178 16.6268 17.7130 18.8821 20.1406 21.4953 22.9534 24.5227 26.2116 28.0291 29.9847 32.0887 34.3519 系
数14 14.9474 15.9739 17.0863 18.2919 19.5986 21.0151 22.5505 24.2149 26.0192 27.9750 30.0949 32.3926 34.8827 37.5811 40.5047 表 15 16.0969 17.2934 18.5989 20.0236 21.5786 23.2760 25.1290 27.1521 29.3609 31.7725 34.4054 37.2797 40.4175 43.8424 47.5804 16 17.2579 18.6393 20.1569 21.8245 23.6575 25.6725 27.8881 30.3243 33.0034 35.9497 39.1899 42.7533 46.6717 50.9804 55.7175 17 18.4304 20.0121 21.7616 23.6975 25.8404 28.2129 30.8402 33.7502 36.9737 40.5447 44.5008 48.8837 53.7391 59.1176 65.0751 18 19.6147 21.4123 23.4144 25.6454 28.1324 30.9057 33.9990 37.4502 41.3013 45.5992 50.3959 55.7497 61.7251 68.3941 75.8364 19 20.8109 22.8406 25.1169 27.6712 30.5390 33.7600 37.3790 41.4463 46.0185 51.1591 56.9395 63.4397 70.7494 78.9692 88.2118 20 22.0190 24.2974 26.8704 29.7781 33.0660 36.7856 40.9955 45.7620 51.1601 57.2750 64.2028 72.0524 80.9468 91.0249 102.4436 21 23.2392 25.7833 28.6765 31.9692 35.7193 39.9927 44.8652 50.4229 56.7645 64.0025 72.2651 81.6987 92.4699 104.7684 118.8101 22 24.4716 27.2990 30.5368 34.2480 38.5052 43.3923 49.0057 55.4568 62.8733 71.4027 81.2143 92.5026 105.4910 120.4360 137.6316 23 25.7163 28.8450 32.4529 36.6179 41.4305 46.9958 53.4361 60.8933 69.5319 79.5430 91.1479 104.6029 120.2048 138.2970 159.2764 24 26.9735 30.4219 34.4265 39.0826 44.5020 50.8156 58.1767 66.7648 76.7898 88.4973 102.1742 118.1552 136.8315 158.6586 184.1678 25 28.2432 32.0303 36.4593 41.6459 47.7271 54.8645 63.2490 73.1059 84.7009 98.3471 114.4133 133.3339 155.6196 181.8708 212.7930 26 29.5256 33.6709 38.5530 44.3117 51.1135 59.1564 68.6765 79.9544 93.3240 109.1818 127.9988 150.3339 176.8501 208.3327 245.7120 27 30.8209 35.3443 40.7096 47.0842 54.6691 63.7058 74.4838 87.3508 102.7231 121.0999 143.0786 169.3740 200.8406 238.4993 283.5688 28 32.1291 37.0512 42.9309 49.9676 58.4026 68.5281 80.6977 95.3388 112.9682 134.2099 159.8173 190.6989 227.9499 272.8892 327.1041 29 33.4504 38.7922 45.2189 52.9663 62.3227 73.6398 87.3465 103.9659 124.1354 148.6309 178.3972 214.5828 258.5834 312.0937 377.1697 30 34.7849 40.5681 47.5754 56.0849 66.4388 79.0582 94.4608 113.2832 136.3075 164.4940 199.0209 241.3327 293.1992 356.7868 434.7451
期数 16% 17% 18% 19% 20% 21% 22% 23% 24% 25% 26% 27% 28% 29% 30%
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 2.1600 2.1700 2.1800 2.1900 2.2000 2.2100 2.2200 2.2300 2.2400 2.2500 2.2600 2.2700 2.2800 2.2900 2.3000
3 3.5056 3.5389 3.5724 3.6061 3.6400 3.6741 3.7084 3.7429 3.7776 3.8125 3.8476 3.8829 3.9184 3.9541 3.9900
4 5.0665 5.1405 5.2154 5.2913 5.3680 5.4457 5.5242 5.6038 5.6842 5.7656 5.8480 5.9313 6.0156 6.1008 6.1870
5 6.8771 7.0144 7.1542 7.2966 7.4416 7.5892 7.7396 7.8926 8.0484 8.2070 8.3684 8.5327 8.6999 8.8700 9.0431
6 8.9775 9.2068 9.4420 9.6830 9.9299 10.1830 10.4423 10.7079 10.9801 11.2588 11.5442 11.8366 12.1359 12.4423 12.7560
7 11.4139 11.7720 12.1415 12.5227 12.9159 13.3214 13.7396 14.1708 14.6153 15.0735 15.5458 16.0324 16.5339 17.0506 17.5828
8 14.2401 14.7733 15.3270 15.9020 16.4991 17.1189 17.7623 18.4300 19.1229 19.8419 20.5876 21.3612 22.1634 22.9953 23.8577
普9 17.5185 18.2847 19.0859 19.9234 20.7989 21.7139 22.6700 23.6690 24.7125 25.8023 26.9404 28.1287 29.3692 30.6639 32.0150 通
年10 21.3215 22.3931 23.5213 24.7089 25.9587 27.2738 28.6574 30.1128 31.6434 33.2529 34.9449 36.7235 38.5926 40.5564 42.6195
金11 25.7329 27.1999 28.7551 30.4035 32.1504 34.0013 35.9620 38.0388 40.2379 42.5661 45.0306 47.6388 50.3985 53.3178 56.4053 终
值12 30.8502 32.8239 34.9311 37.1802 39.5805 42.1416 44.8737 47.7877 50.8950 54.2077 57.7386 61.5013 65.5100 69.7800 74.3270 系13 36.7862 39.4040 42.2187 45.2445 48.4966 51.9913 55.7459 59.7788 64.1097 68.7596 73.7506 79.1066 84.8529 91.0161 97.6250 数
表 14 43.6720 47.1027 50.8180 54.8409 59.1959 63.9095 69.0100 74.5280 80.4961 86.9495 93.9258 101.4654 109.6117 118.4108 127.9125
15 51.6595 56.1101 60.9653 66.2607 72.0351 78.3305 85.1922 92.6694 100.8151 109.6868 119.3465 129.8611 141.3029 153.7500 167.2863
16 60.9250 66.6488 72.9390 79.8502 87.4421 95.7799 104.9345 114.9834 126.0108 138.1085 151.3766 165.9236 181.8677 199.3374 218.4722
17 71.6730 78.9792 87.0680 96.0218 105.9306 116.8937 129.0201 142.4295 157.2534 173.6357 191.7345 211.7230 233.7907 258.1453 285.0139
18 84.1407 93.4056 103.7403 115.2659 128.1167 142.4413 158.4045 176.1883 195.9942 218.0446 242.5855 269.8882 300.2521 334.0074 371.5180
19 98.6032 110.2846 123.4135 138.1664 154.7400 173.3540 194.2535 217.7116 244.0328 273.5558 306.6577 343.7580 385.3227 431.8696 483.9734
20 115.3797 130.0329 146.6280 165.4180 186.6880 210.7584 237.9893 268.7853 303.6006 342.9447 387.3887 437.5726 494.2131 558.1118 630.1655
21 134.8405 153.1385 174.0210 197.8474 225.0256 256.0176 291.3469 331.6059 377.4648 429.6809 489.1098 556.7173 633.5927 720.9642 820.2151
22 157.4150 180.1721 206.3448 236.4385 271.0307 310.7813 356.4432 408.8753 469.0563 538.1011 617.2783 708.0309 811.9987 931.0438 1067.2796
23 183.6014 211.8013 244.4868 282.3618 326.2369 377.0454 435.8607 503.9166 582.6298 673.6264 778.7707 900.1993 1040.3583 1202.0465 1388.4635
24 213.9776 248.8076 289.4945 337.0105 392.4842 457.2249 532.7501 620.8174 723.4610 843.0329 982.2511 1144.2531 1332.6586 1551.6400 1806.0026
25 249.2140 292.1049 342.6035 402.0425 471.9811 554.2422 650.9551 764.6054 898.0916 1054.7912 1238.6363 1454.2014 1706.8031 2002.6156 2348.8033
26 290.0883 342.7627 405.2721 479.4306 567.3773 671.6330 795.1653 941.4647 1114.6336 1319.4890 1561.6818 1847.8358 2185.7079 2584.3741 3054.4443
27 337.5024 402.0323 479.2211 571.5224 681.8528 813.6759 971.1016 1159.0016 1383.1457 1650.3612 1968.7191 2347.7515 2798.7061 3334.8426 3971.7776
28 392.5028 471.3778 566.4809 681.1116 819.2233 985.5479 1185.7440 1426.5719 1716.1007 2063.9515 2481.5860 2982.6444 3583.3438 4302.9470 5164.3109
29 456.3032 552.5121 669.4475 811.5228 984.0680 1193.5129 1447.6077 1755.6835 2128.9648 2580.9394 3127.7984 3788.9583 4587.6801 5551.8016 6714.6042
30 530.3117 647.4391 790.9480 966.7122 1181.8816 1445.1507 1767.0813 2160.4907 2640.9164 3227.1743 3942.0260 4812.9771 5873.2306 7162.8241 8729.9855