金现值、终值、复利现值、终值系数表
财务管理系数表、年金现值、终值、复利现值、终值
附表一 复利终值系数表计算公式：复利终值系数=()n i 1+，S=P ()n i 1+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 续表注：*〉99 999计算公式：复利终值系数=()n i 1+，S=P ()n i 1+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 复利现值系数表注：计算公式：复利现值系数=()-n i 1+，P=()n i 1S +=S ()-n i 1+ 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 续表注：*<0.0001计算公式：复利现值系数=()-n i 1+，P=()n i 1S +=S ()-n i 1+ 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 年金终值系数表注：计算公式：年金终值系数=()i 1i 1n -+，S=A ()i1i 1n -+ 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 —年金终值或本利和附表三 年金终值系数表 续表注：*>999 999.99计算公式：年金终值系数=()i 1i 1n -+，S=A ()i1i 1n -+ 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 —年金终值或本利和附表四 年金现值系数表注： 计算公式：年金现值系数=()i i 11n -+-，P=A ()i i 11n -+-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 续表注：计算公式：年金现值系数=()i i 11n -+-，P=A ()i i 11n -+-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五 自然对数表注：计算公式：自然对数值=lnN 。
(完整版)年金现值、终值、复利现值、终值系数表
附表一 复利终值系数表计算公式：复利终值系数=()n i 1+，S=P ()ni 1+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 续表注：*〉99 999计算公式：复利终值系数=()n i 1+，S=P ()ni 1+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 复利现值系数表注：计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+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 续表注：*<0.0001计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+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注：计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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—年金终值或本利和附表三年金终值系数表续表注：*>999 999.99计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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—年金终值或本利和附表四年金现值系数表计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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。
财务管理系数表、年金现值、终值、复利现值、终值
计算公式：复利终值系数=i 1+，S=P i 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和计算公式：复利终值系数=()n i 1+，S=P ()ni 1+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 复利现值系数表注：计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+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 续表注：*<0.0001计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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—年金终值或本利和计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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—年金终值或本利和附表四年金现值系数表注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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—年金现值或本利和计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=5.83，则查纵列5.8横列3对应的数值，即ln(5.83)=1.7630。
附表五自然对数表续表注：计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=9.83，则查纵列9.8横列3对应的数值，即ln(9.83)=2.2854。
年金现值终值复利现值终值系数表
附表一 复利终值系数表计算公式：复利终值系数=1 i n ，S=P 1 i nP —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注：*〉99 999计算公式：复利终值系数=1 i n，S=P 1 i nP —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 注：计算公式：复利现值系数=1 i -n, P=— =S 1 i -n1 iP —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 复利现值系数表注：*<0.0001 计算公式：复利现值系数=1 i -n，P =—^==51 i -n1 iP —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 年金终值系数表复利现值系数表 续表续表注:1 ' j , S=A1 1计算公式：年金终值系数=i iA—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—年金终值或本利和附表三年金终值系数表续表注：*>999 999.991 ' j , S=A1 1计算公式：年金终值系数=i iA—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—年金终值或本利和附表四年金现值系数表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； —年金现值或本利和附表四年金现值系数表 续表注：1 1 i1 1 i计算公式：年金现值系数=一」一，P=A —」i-n-n 1 1 i1 1 i 计算公式：年金现值系数=一」一，P=A —」i。
金现值终值复利现值、终值系数表
附表一 复利终值系数表 计算公式：复利终值系数=()ni 1+，S=P ()ni 1+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 注：*〉99 999计算公式：复利终值系数=()n i 1+，S=P ()ni 1+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 注：计算公式：复利现值系数=()-n i 1+，P=()ni 1S +=S ()-ni 1+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 注：*<0.0001计算公式：复利现值系数=()-n i 1+，P=()ni 1S +=S ()-ni 1+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 年金终值系数表注：计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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—年金终值或本利和附表三年金终值系数表续表注：*>999 999.99计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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—年金终值或本利和附表四年金现值系数表计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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。
(完整版)财务管理系数表：复利终值-复利现值-年金终值-年金现值
注：
计算公式：年金现值系数= ，P=A
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
附表三 年金终值系数表 续表
注：*>999 999.99
计算公式：年金终值系数= ，F=A
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；F—年金终值或本利和
附表四年金现值系数表
计算公式：年金现值系数= ，P=A
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
附表一复利终值系数表
计算公式：复利终值系数= ，F=P
P—现值或初始值；i—报酬率或利率；n—计息期数；F—终值或本利和
附表一 复利终值系数表 续表
注：*〉99 999
计算公式：复利终值系数= ，F=P
P—现值或初始值
i—报酬率或利率
n—计息期数
F—终值或本利和
附表二复利现值系数表
注：
计算公式：复利现值系数= ，P= =F
P—现值或初始值；i—报酬率或利率；n—计息期数；F—终值或本利和
附表二 复利现值系数表 续表
注：*<0.0001
计算公式：复利现值系数= ，P= =F
P—现值或初始值；i—报酬率或利率；n—计息期数；F—终值或本利和
附表三年金终值系数表
注：
计算公式：年金终值系数= ，F=A
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；F—年金终值或本利和
年金现值、终值、复利现值、终值系数表
注：
计算公式：年金现值系数= ，P=A
A—每期等额支付（或收入）的金额；i—报酬率或Biblioteka 率；n—计息期数；P—年金现值或本利和
附表一复利终值系数表
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
注：*〉99 999
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
注：
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
注：*<0.0001
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
注：
计算公式：年金终值系数= ，S=A
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—年金终值或本利和
附表三 年金终值系数表 续表
注：*>999 999.99
计算公式：年金终值系数= ，S=A
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—年金终值或本利和
附表四年金现值系数表
计算公式：年金现值系数= ，P=A
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
财务管理系数表年金现值终值复利现值终值
计算公式：复利终值系数=，S=P i 1+i 1+P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和注：*〉99 999计算公式：复利终值系数=，S=P ()n i 1+()ni 1+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 复利现值系数表注：计算公式：复利现值系数=，P==S ()-ni 1+()ni 1S+()-ni 1+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 续表注：*<0.0001计算公式：复利现值系数=，P==S ()-ni 1+()ni 1S+()-ni 1+P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和注：计算公式：年金终值系数=，S=A()i1i 1n -+()i1i 1n-+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—年金终值或本利和注：*>999 999.99计算公式：年金终值系数=，S=A()i1i 1n -+()i1i 1n-+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—年金终值或本利和附表四 年金现值系数表注：计算公式：年金现值系数=，P=A()i i 11n-+-()ii 11n-+-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 续表注：计算公式：年金现值系数=，P=A()i i 11n-+-()ii 11n-+-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—年金现值或本利和计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=5.83，则查纵列5.8横列3对应的数值，即ln(5.83)=1.7630。
附表五自然对数表续表注：计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=9.83，则查纵列9.8横列3对应的数值，即ln(9.83)=2.2854。
财务管理系数表、年金现值、终值、复利现值、终值
计算公式：复利终值系数=i 1+，S=P i 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和计算公式：复利终值系数=()n i 1+，S=P ()ni 1+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 复利现值系数表注：计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+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 续表注：*<0.0001计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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—年金终值或本利和计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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—年金终值或本利和附表四年金现值系数表注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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—年金现值或本利和计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=5.83，则查纵列5.8横列3对应的数值，即ln(5.83)=1.7630。
附表五自然对数表续表注：计算公式：自然对数值=lnN。
表示以自然数e为底，N的对数值。
如N=9.83，则查纵列9.8横列3对应的数值，即ln(9.83)=2.2854。
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年金现值、终值、复利现值、终值系数表————————————————————————————————作者：————————————————————————————————日期：附表一 复利终值系数表期数1%2%3%4%5%6%7%8%9%10%1 1.0100 1.0200 1.0300 1.0400 1.0500 1.0600 1.0700 1.0800 1.0900 1.10002 1.0201 1.0404 1.0609 1.0816 1.1025 1.1236 1.1449 1.1664 1.1881 1.21003 1.0303 1.0612 1.0927 1.1249 1.1576 1.1910 1.2250 1.2597 1.2950 1.33104 1.0406 1.0824 1.1255 1.1699 1.2155 1.2625 1.3108 1.3605 1.4116 1.46415 1.0510 1.1041 1.1593 1.2167 1.2763 1.3382 1.4026 1.4693 1.5386 1.61056 1.0615 1.1262 1.1941 1.2653 1.3401 1.4185 1.5007 1.5869 1.6771 1.77167 1.0721 1.1487 1.2299 1.3159 1.4071 1.5036 1.6058 1.7138 1.8280 1.94878 1.0829 1.1717 1.2668 1.3686 1.4775 1.5938 1.7182 1.8509 1.9926 2.14369 1.0937 1.1951 1.3048 1.4233 1.5513 1.6895 1.8385 1.9990 2.1719 2.357910 1.1046 1.2190 1.3439 1.4802 1.6289 1.7908 1.9672 2.1589 2.3674 2.593711 1.1157 1.2434 1.3842 1.5395 1.7103 1.8983 2.1049 2.3316 2.5804 2.853112 1.1268 1.2682 1.4258 1.6010 1.7959 2.0122 2.2522 2.5182 2.8127 3.138413 1.1381 1.2936 1.4685 1.6651 1.8856 2.1329 2.4098 2.7196 3.0658 3.452314 1.1495 1.3195 1.5126 1.7317 1.9799 2.2609 2.5785 2.9372 3.3417 3.797515 1.1610 1.3459 1.5580 1.8009 2.0789 2.3966 2.7590 3.1722 3.6425 4.177216 1.1726 1.3728 1.6047 1.8730 2.1829 2.5404 2.9522 3.4259 3.9703 4.595017 1.1843 1.4002 1.6528 1.9479 2.2920 2.6928 3.1588 3.7000 4.3276 5.054518 1.1961 1.4282 1.7024 2.0258 2.4066 2.8543 3.3799 3.9960 4.7171 5.559919 1.2081 1.4568 1.7535 2.1068 2.5270 3.0256 3.6165 4.3157 5.1417 6.115920 1.2202 1.4859 1.8061 2.1911 2.6533 3.2071 3.8697 4.6610 5.6044 6.727521 1.2324 1.5157 1.8603 2.2788 2.7860 3.3996 4.1406 5.0338 6.10887.400222 1.2447 1.5460 1.9161 2.3699 2.9253 3.6035 4.4304 5.4365 6.65868.140323 1.2572 1.5769 1.9736 2.4647 3.0715 3.8197 4.7405 5.87157.25798.954324 1.2697 1.6084 2.0328 2.5633 3.2251 4.0489 5.0724 6.34127.91119.849725 1.2824 1.6406 2.0938 2.6658 3.3864 4.2919 5.4274 6.84858.623110.83526 1.2953 1.6734 2.1566 2.7725 3.5557 4.5494 5.80747.39649.399211.91827 1.3082 1.7069 2.2213 2.8834 3.7335 4.8223 6.21397.988110.24513.11028 1.3213 1.7410 2.2879 2.9987 3.9201 5.1117 6.64888.627111.16714.42129 1.3345 1.7758 2.3566 3.1187 4.1161 5.41847.11439.317312.17215.86330 1.3478 1.8114 2.4273 3.2434 4.3219 5.74357.612310.06313.26817.44940 1.4889 2.2080 3.2620 4.80107.040010.28614.97521.72531.40945.25950 1.6446 2.6916 4.38397.106711.46718.42029.45746.90274.358117.39601.81673.28105.891610.52018.67932.98857.946101.26176.03304.48计算公式：复利终值系数=()n i 1+，S=P ()ni 1+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12%14%15%16%18%20%24%28%32%36%1 1.1200 1.1400 1.1500 1.1600 1.1800 1.2000 1.2400 1.2800 1.3200 1.36002 1.2544 1.2996 1.3225 1.3456 1.3924 1.4400 1.5376 1.6384 1.7424 1.84963 1.4049 1.4815 1.5209 1.5609 1.6430 1.7280 1.9066 2.0972 2.3000 2.51554 1.5735 1.6890 1.7490 1.8106 1.9388 2.0736 2.3642 2.6844 3.0360 3.42105 1.7623 1.9254 2.0114 2.1003 2.2878 2.4883 2.9316 3.4360 4.0075 4.65266 1.9738 2.1950 2.3131 2.4364 2.6996 2.9860 3.6352 4.3980 5.2899 6.32757 2.2107 2.5023 2.6600 2.8262 3.1855 3.5832 4.5077 5.6295 6.98268.60548 2.4760 2.8526 3.0590 3.2784 3.7589 4.2998 5.58957.20589.217011.7039 2.7731 3.2519 3.5179 3.8030 4.4355 5.1598 6.93109.223412.16715.91710 3.1058 3.7072 4.0456 4.4114 5.2338 6.19178.594411.80616.06021.64711 3.4785 4.2262 4.6524 5.1173 6.17597.430110.65715.11221.19929.43912 3.8960 4.8179 5.3503 5.93607.28768.916113.21519.34327.98340.03813 4.3635 5.4924 6.1528 6.88588.599410.69916.38624.75936.93754.45114 4.8871 6.26137.07577.987510.14712.83920.31931.69148.75774.05315 5.47367.13798.13719.265511.97415.40725.19640.56564.359100.7116 6.13048.13729.357610.74814.12918.48831.24351.92384.954136.9717 6.86609.276510.76112.46816.67222.18638.74166.461112.14186.28187.690010.57512.37614.46319.67326.62348.03985.071148.02253.34198.612812.05614.23216.77723.21431.94859.568108.89195.39344.54209.646313.74416.36719.46127.39338.33873.864139.38257.92468.572110.80415.66818.82222.57532.32446.00591.592178.41340.45637.262212.10017.86121.64526.18638.14255.206113.57228.36449.39866.672313.55220.36224.89230.37645.00866.247140.83292.30593.201178.72415.17923.21228.62535.23653.10979.497174.63374.14783.021603.02517.00026.46232.91940.87462.66995.396216.54478.901033.62180.12619.04030.16737.85747.41473.949114.48268.51613.001364.32964.92721.32534.39043.53555.00087.260137.37332.96784.641800.94032.32823.88439.20550.06663.800102.97164.84412.861004.32377.25483.92926.75044.69357.57674.009121.50197.81511.951285.63137.97458.13029.96050.95066.21285.850143.37237.38634.821645.54142.1101434093.051188.88267.86378.72750.381469.85455.91942766521*50289.00700.231083.71670.73927.49100.446890***60897.602595.94384.07370.22055556348****注：*〉99 999计算公式：复利终值系数=()n i 1+，S=P ()ni 1+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1%2%3%4%5%6%7%8%9%10%10.99010.98040.97090.96150.95240.94340.93460.92590.91740.909120.98030.96120.94260.92460.90700.89000.87340.85730.84170.826430.97060.94230.91510.88900.86380.83960.81630.79380.77220.751340.96100.92380.88850.85480.82270.79210.76290.73500.70840.683050.95150.90570.86260.82190.78350.74730.71300.68060.64990.620960.94200.88800.83750.79030.74620.70500.66630.63020.59630.564570.93270.87060.81310.75990.71070.66510.62270.58350.54700.513280.92350.85350.78940.73070.67680.62740.58200.54030.50190.466590.91430.83680.76640.70260.64460.59190.54390.50020.46040.4241100.90530.82030.74410.67560.61390.55840.50830.46320.42240.3855110.89630.80430.72240.64960.58470.52680.47510.42890.38750.3505120.88740.78850.70140.62460.55680.49700.44400.39710.35550.3186130.87870.77300.68100.60060.53030.46880.41500.36770.32620.2897140.87000.75790.66110.57750.50510.44230.38780.34050.29920.2633150.86130.74300.64190.55530.48100.41730.36240.31520.27450.2394160.85280.72840.62320.53390.45810.39360.33870.29190.25190.2176170.84440.71420.60500.51340.43630.37140.31660.27030.23110.1978180.83600.70020.58740.49360.41550.35030.29590.25020.21200.1799190.82770.68640.57030.47460.39570.33050.27650.23170.19450.1635200.81950.67300.55370.45640.37690.31180.25840.21450.17840.1486210.81140.65980.53750.43880.35890.29420.24150.19870.16370.1351220.80340.64680.52190.42200.34180.27750.22570.18390.15020.1228230.79540.63420.50670.40570.32560.26180.21090.17030.13780.1117240.78760.62170.49190.39010.31010.24700.19710.15770.12640.1015250.77980.60950.47760.37510.29530.23300.18420.14600.11600.0923260.77200.59760.46370.36070.28120.21980.17220.13520.10640.0839270.76440.58590.45020.34680.26780.20740.16090.12520.09760.0763280.75680.57440.43710.33350.25510.19560.15040.11590.08950.0693290.74930.56310.42430.32070.24290.18460.14060.10730.08220.0630300.74190.55210.41200.30830.23140.17410.13140.09940.07540.0573350.70590.50000.35540.25340.18130.13010.09370.06760.04900.0356400.67170.45290.30660.20830.14200.09720.06680.04600.03180.0221450.63910.41020.26440.17120.11130.07270.04760.03130.02070.0137500.60800.37150.22810.14070.08720.05430.03390.02130.01340.0085550.57850.33650.19680.11570.06830.04060.02420.01450.00870.0053注：计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+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12%14%15%16%18%20%24%28%32%36%10.89290.87720.86960.86210.84750.83330.80650.78130.75760.735320.79720.76950.75610.74320.71820.69440.65040.61040.57390.540730.71180.67500.65750.64070.60860.57870.52450.47680.43480.397540.63550.59210.57180.55230.51580.48230.42300.37250.32940.292350.56740.51940.49720.47610.43710.40190.34110.29100.24950.214960.50660.45560.43230.41040.37040.33490.27510.22740.18900.158070.45230.39960.37590.35380.31390.27910.22180.17760.14320.116280.40390.35060.32690.30500.26600.23260.17890.13880.10850.085490.36060.30750.28430.26300.22550.19380.14430.10840.08220.0628100.32200.26970.24720.22670.19110.16150.11640.08470.06230.0462110.28750.23660.21490.19540.16190.13460.09380.06620.04720.0340120.25670.20760.18690.16850.13720.11220.07570.05170.03570.0250130.22920.18210.16250.14520.11630.09350.06100.04040.02710.0184140.20460.15970.14130.12520.09850.07790.04920.03160.02050.0135150.18270.14010.12290.10790.08350.06490.03970.02470.01550.0099160.16310.12290.10690.09300.07080.05410.03200.01930.01180.0073170.14560.10780.09290.08020.06000.04510.02580.01500.00890.0054180.13000.09460.08080.06910.05080.03760.02080.01180.00680.0039190.11610.08290.07030.05960.04310.03130.01680.00920.00510.0029200.10370.07280.06110.05140.03650.02610.01350.00720.00390.0021210.09260.06380.05310.04430.03090.02170.01090.00560.00290.0016220.08260.05600.04620.03820.02620.01810.00880.00440.00220.0012230.07380.04910.04020.03290.02220.01510.00710.00340.00170.0008240.06590.04310.03490.02840.01880.01260.00570.00270.00130.0006250.05880.03780.03040.02450.01600.01050.00460.00210.00100.0005260.05250.03310.02640.02110.01350.00870.00370.00160.00070.0003270.04690.02910.02300.01820.01150.00730.00300.00130.00060.0002280.04190.02550.02000.01570.00970.00610.00240.00100.00040.0002290.03740.02240.01740.01350.00820.00510.00200.00080.00030.0001300.03340.01960.01510.01160.00700.00420.00160.00060.00020.0001350.01890.01020.00750.00550.00300.00170.00050.00020.0001*400.01070.00530.00370.00260.00130.00070.00020.0001**450.00610.00270.00190.00130.00060.00030.0001***500.00350.00140.00090.00060.00030.0001****550.00200.00070.00050.00030.0001*****注：*<0.0001计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 1+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1%2%3%4%5%6%7%8%9%10%1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002 2.0100 2.0200 2.0300 2.0400 2.0500 2.0600 2.0700 2.0800 2.0900 2.10003 3.0301 3.0604 3.0909 3.1216 3.1525 3.1836 3.2149 3.2464 3.2781 3.31004 4.0604 4.1216 4.1836 4.2465 4.3101 4.3746 4.4399 4.5061 4.5731 4.64105 5.1010 5.2040 5.3091 5.4163 5.5256 5.6371 5.7507 5.8666 5.9847 6.10516 6.1520 6.3081 6.4684 6.6330 6.8019 6.97537.15337.33597.52337.715677.21357.43437.66257.89838.14208.39388.65408.92289.20049.487288.28578.58308.89239.21429.54919.897510.26010.63711.02911.43699.36859.754610.15910.58311.02711.49111.97812.48813.02113.5801010.46210.95011.46412.00612.57813.18113.81614.48715.19315.937 1111.56712.16912.80813.48614.20714.97215.78416.64617.56018.531 1212.68313.41214.19215.02615.91716.87017.88918.97720.14121.384 1313.80914.68015.61816.62717.71318.88220.14121.49522.95324.523 1414.94715.97417.08618.29219.59921.01522.55124.21526.01927.975 1516.09717.29318.59920.02421.57923.27625.12927.15229.36131.773 1617.25818.63920.15721.82523.65825.67327.88830.32433.00335.950 1718.43020.01221.76223.69825.84028.21330.84033.75036.97440.545 1819.61521.41223.41425.64528.13230.90633.99937.45041.30145.599 1920.81122.84125.11727.67130.53933.76037.37941.44646.01951.159 2022.01924.29726.87029.77833.06636.78640.99645.76251.16057.275 2123.23925.78328.67731.96935.71939.99344.86550.42356.76564.003 2224.47227.29930.53734.24838.50543.39249.00655.45762.87371.403 2325.71628.84532.45336.61841.43146.99653.43660.89369.53279.543 2426.97430.42234.42739.08344.50250.81658.17766.76576.79088.497 2528.24332.03036.45941.64647.72754.86563.24973.10684.70198.347 2629.52633.67138.55344.31251.11459.15668.67779.95493.324109.18 2730.82135.34440.71047.08454.66963.70674.48487.351102.72121.10 2832.12937.05142.93149.96858.40368.52880.69895.339112.97134.21 2933.45038.79245.21952.96662.32373.64087.347103.97124.14148.63 3034.78540.56847.57556.08566.43979.05894.461113.28136.31164.49 4048.88660.40275.40195.026120.80154.76199.64259.06337.88442.59 5064.46384.579112.80152.67209.35290.34406.53573.77815.081163.9 6081.670114.05163.05237.99353.58533.13813.521253.21944.83034.8注：计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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—年金终值或本利和附表三年金终值系数表续表期数12%14%15%16%18%20%24%28%32%36%1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002 2.1200 2.1400 2.1500 2.1600 2.1800 2.2000 2.2400 2.2800 2.3200 2.36003 3.3744 3.4396 3.4725 3.5056 3.5724 3.6400 3.7776 3.9184 4.0624 4.20964 4.7793 4.9211 4.9934 5.0665 5.2154 5.3680 5.6842 6.0156 6.3624 6.72515 6.3528 6.6101 6.7424 6.87717.15427.44168.04848.69999.398310.14668.11528.53558.75378.97759.44209.929910.98012.13613.40614.799710.08910.73111.06711.41412.14212.91614.61516.53418.69621.126 812.30013.23313.72714.24015.32716.49919.12322.16325.67829.732 914.77616.08516.78617.51919.08620.79924.71329.36934.89541.435 1017.54919.33720.30421.32223.52125.95931.64338.59347.06257.352 1120.65523.04524.34925.73328.75532.15040.23850.39963.12278.998 1224.13327.27129.00230.85034.93139.58150.89565.51084.320108.44 1328.02932.08934.35236.78642.21948.49764.11084.853112.30148.48 1432.39337.58140.50543.67250.81859.19680.496109.61149.24202.93 1537.28043.84247.58051.66060.96572.035100.82141.30198.00276.98 1642.75350.98055.71860.92572.93987.442126.01181.87262.36377.69 1748.88459.11865.07571.67387.068105.93157.25233.79347.31514.66 1855.75068.39475.83684.141103.74128.12195.99300.25459.45700.94 1963.44078.96988.21298.603123.41154.74244.03385.32607.47954.28 2072.05291.025102.44115.38146.63186.69303.60494.21802.861298.8 2181.699104.77118.81134.84174.02225.03377.46633.591060.81767.4 2292.503120.44137.63157.42206.34271.03469.06812.001401.22404.7 23104.60138.30159.28183.60244.49326.24582.631040.41850.63271.3 24118.16158.66184.17213.98289.49392.48723.461332.72443.84450.0 25133.33181.87212.79249.21342.60471.98898.091706.83226.86053.0 26150.33208.33245.71290.09405.27567.381114.62185.74260.48233.1 27169.37238.50283.57337.50479.22681.851383.12798.75624.811198 28190.70272.89327.10392.50566.48819.221716.13583.37425.715230 29214.58312.09377.17456.30669.45984.072129.04587.79802.920714 30241.33356.79434.75530.31790.951181.92640.95873.21294128172 40767.091342.01779.12360.84163.27343.92272969377207874609890 502400.04994.57217.7104362181345497195373819103** 607471.6185352922046058114190281733****注：*>999 999.99计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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—年金终值或本利和附表四年金现值系数表期数1%2%3%4%5%6%7%8%9%10%10.99010.98040.97090.96150.95240.94340.93460.92590.91740.90912 1.9704 1.9416 1.9135 1.8861 1.8594 1.8334 1.8080 1.7833 1.7591 1.73553 2.9410 2.8839 2.8286 2.7751 2.7232 2.6730 2.6243 2.5771 2.5313 2.48694 3.9020 3.8077 3.7171 3.6299 3.5460 3.4651 3.3872 3.3121 3.2397 3.16995 4.8534 4.7135 4.5797 4.4518 4.3295 4.2124 4.1002 3.9927 3.8897 3.79086 5.7955 5.6014 5.4172 5.2421 5.0757 4.9173 4.7665 4.6229 4.4859 4.35537 6.7282 6.4720 6.2303 6.0021 5.7864 5.5824 5.3893 5.2064 5.0330 4.868487.65177.32557.0197 6.7327 6.4632 6.2098 5.9713 5.7466 5.5348 5.334998.56608.16227.78617.43537.1078 6.8017 6.5152 6.2469 5.9952 5.7590109.47138.98268.53028.11097.72177.36017.0236 6.7101 6.4177 6.1446 1110.36769.78689.25268.76058.30647.88697.49877.1390 6.8052 6.4951 1211.255110.57539.95409.38518.86338.38387.94277.53617.1607 6.8137 1312.133711.348410.63509.98569.39368.85278.35777.90387.48697.1034 1413.003712.106211.296110.56319.89869.29508.74558.24427.78627.3667 1513.865112.849311.937911.118410.37979.71229.10798.55958.06077.6061 1614.717913.577712.561111.652310.837810.10599.44668.85148.31267.8237 1715.562314.291913.166112.165711.274110.47739.76329.12168.54368.0216 1816.398314.992013.753512.659311.689610.827610.05919.37198.75568.2014 1917.226015.678514.323813.133912.085311.158110.33569.60368.95018.3649 2018.045616.351414.877513.590312.462211.469910.59409.81819.12858.5136 2118.857017.011215.415014.029212.821211.764110.835510.01689.29228.6487 2219.660417.658015.936914.451113.163012.041611.061210.20079.44248.7715 2320.455818.292216.443614.856813.488612.303411.272210.37119.58028.8832 2421.243418.913916.935515.247013.798612.550411.469310.52889.70668.9847 2522.023219.523517.413115.622114.093912.783411.653610.67489.82269.0770 2622.795220.121017.876815.982814.375213.003211.825810.81009.92909.1609 2723.559620.706918.327016.329614.643013.210511.986710.935210.02669.2372 2824.316421.281318.764116.663114.898113.406212.137111.051110.11619.3066 2925.065821.844419.188516.983715.141113.590712.277711.158410.19839.3696 3025.807722.396519.600417.292015.372513.764812.409011.257810.27379.4269 3529.408624.998621.487218.664616.374214.498212.947711.654610.56689.6442 4032.834727.355523.114819.792817.159115.046313.331711.924610.75749.7791 4536.094529.490224.518720.720017.774115.455813.605512.108410.88129.8628 5039.196131.423625.729821.482218.255915.761913.800712.233510.96179.9148 5542.147233.174826.774422.108618.633515.990513.939912.318611.01409.9471计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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12%14%15%16%18%20%24%28%32%36%10.89290.87720.86960.86210.84750.83330.80650.78130.75760.73532 1.6901 1.6467 1.6257 1.6052 1.5656 1.5278 1.4568 1.3916 1.3315 1.27603 2.4018 2.3216 2.2832 2.2459 2.1743 2.1065 1.9813 1.8684 1.7663 1.67354 3.0373 2.9137 2.8550 2.7982 2.6901 2.5887 2.4043 2.2410 2.0957 1.96585 3.6048 3.4331 3.3522 3.2743 3.1272 2.9906 2.7454 2.5320 2.3452 2.18076 4.1114 3.8887 3.7845 3.6847 3.4976 3.3255 3.0205 2.7594 2.5342 2.33887 4.5638 4.2883 4.1604 4.0386 3.8115 3.6046 3.2423 2.9370 2.6775 2.45508 4.9676 4.6389 4.4873 4.3436 4.0776 3.8372 3.4212 3.0758 2.7860 2.54049 5.3282 4.9464 4.7716 4.6065 4.3030 4.0310 3.5655 3.1842 2.8681 2.603310 5.6502 5.2161 5.0188 4.8332 4.4941 4.1925 3.6819 3.2689 2.9304 2.649511 5.9377 5.4527 5.2337 5.0286 4.6560 4.3271 3.7757 3.3351 2.9776 2.683412 6.1944 5.6603 5.4206 5.1971 4.7932 4.4392 3.8514 3.3868 3.0133 2.708413 6.4235 5.8424 5.5831 5.3423 4.9095 4.5327 3.9124 3.4272 3.0404 2.726814 6.6282 6.0021 5.7245 5.4675 5.0081 4.6106 3.9616 3.4587 3.0609 2.740315 6.8109 6.1422 5.8474 5.5755 5.0916 4.6755 4.0013 3.4834 3.0764 2.750216 6.9740 6.2651 5.9542 5.6685 5.1624 4.7296 4.0333 3.5026 3.0882 2.7575177.1196 6.3729 6.0472 5.7487 5.2223 4.7746 4.0591 3.5177 3.0971 2.7629 187.2497 6.4674 6.1280 5.8178 5.2732 4.8122 4.0799 3.5294 3.1039 2.7668 197.3658 6.5504 6.1982 5.8775 5.3162 4.8435 4.0967 3.5386 3.1090 2.7697 207.4694 6.6231 6.2593 5.9288 5.3527 4.8696 4.1103 3.5458 3.1129 2.7718 217.5620 6.6870 6.3125 5.9731 5.3837 4.8913 4.1212 3.5514 3.1158 2.7734 227.6446 6.7429 6.3587 6.0113 5.4099 4.9094 4.1300 3.5558 3.1180 2.7746 237.7184 6.7921 6.3988 6.0442 5.4321 4.9245 4.1371 3.5592 3.1197 2.7754 247.7843 6.8351 6.4338 6.0726 5.4509 4.9371 4.1428 3.5619 3.1210 2.7760 257.8431 6.8729 6.4641 6.0971 5.4669 4.9476 4.1474 3.5640 3.1220 2.7765 267.8957 6.9061 6.4906 6.1182 5.4804 4.9563 4.1511 3.5656 3.1227 2.7768 277.9426 6.9352 6.5135 6.1364 5.4919 4.9636 4.1542 3.5669 3.1233 2.7771 287.9844 6.9607 6.5335 6.1520 5.5016 4.9697 4.1566 3.5679 3.1237 2.7773 298.0218 6.9830 6.5509 6.1656 5.5098 4.9747 4.1585 3.5687 3.1240 2.7774 308.05527.0027 6.5660 6.1772 5.5168 4.9789 4.1601 3.5693 3.1242 2.7775 358.17557.0700 6.6166 6.2153 5.5386 4.9915 4.1644 3.5708 3.1248 2.7777 408.24387.1050 6.6418 6.2335 5.5482 4.9966 4.1659 3.5712 3.1250 2.7778 458.28257.1232 6.6543 6.2421 5.5523 4.9986 4.1664 3.5714 3.1250 2.7778 508.30457.1327 6.6605 6.2463 5.5541 4.9995 4.1666 3.5714 3.1250 2.7778 558.31707.1376 6.6636 6.2482 5.5549 4.9998 4.1666 3.5714 3.1250 2.7778注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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11。