年金(复利)现值系数表

年金现值系数(P/A,i,n)1%

2%

3%

4%

5%

6%

10.9901 0.9804 0.9709 0.9615 0.9524 0.9434 2 1.9704 1.9416 1.9135 1.8861 1.8594 1.8334 3 2.9410 2.8839 2.8286 2.7751 2.7232 2.6730 4 3.9020 3.8077 3.7171 3.6299 3.5460 3.4651 5 4.8534 4.7135 4.5797 4.4518 4.3295 4.2124 6 5.7955 5.6014 5.4172 5.2421 5.0757 4.9173 7 6.7282 6.4720 6.2303 6.0021 5.7864 5.5824 87.6517 7.3255 7.0197 6.7327 6.4632 6.2098 98.5660 8.1622 7.7861 7.4353 7.1078 6.8017 109.4713 8.9826 8.5302 8.1109 7.7217 7.3601 1110.3676 9.7868 9.2526 8.7605 8.3064 7.8869 1211.2551 10.5753 9.9540 9.3851 8.8633 8.3838 1312.1337 11.3484 10.6350 9.9856 9.3936 8.8527 1413.0037 12.1062 11.2961 10.5631 9.8986 9.2950 1513.8651 12.8493 11.9379 11.1184 10.3797 9.7122 1614.7179 13.5777 12.5611 11.6523 10.8378 10.1059 1715.5623 14.2919 13.1661 12.1657 11.2741 10.4773 1816.3983 14.9920 13.7535 12.6593 11.6896 10.8276 1917.2260 15.6785 14.3238 13.1339 12.0853 11.1581 2018.0456 16.3514 14.8775 13.5903 12.4622 11.4699 2118.8570 17.0112 15.4150 14.0292 12.8212 11.7641 2219.6604 17.6580 15.9369 14.4511 13.1630 12.0416 2320.4558 18.2922 16.4436 14.8568 13.4886 12.3034 2421.2434 18.9139 16.9355 15.2470 13.7986 12.5504 2522.0232 19.5235 17.4131 15.6221 14.0939 12.7834 2622.7952 20.1210 17.8768 15.9828 14.3752 13.0032 2723.5596 20.7069 18.3270 16.3296 14.6430 13.2105 2824.3164 21.2813 18.7641 16.6631 14.8981 13.4062 2925.0658 21.8444 19.1885 16.9837 15.1411 13.5907 3025.8077 22.3965 19.6004 17.2920 15.3725 13.7648 3126.5423 22.9377 20.0004 17.5885 15.5928 13.9291 3227.2696 23.4683 20.3888 17.8736 15.8027 14.0840 3327.9897 23.9886 20.7658 18.1476 16.0025 14.2302 3428.7027 24.4986 21.1318 18.4112 16.1929 14.3681 3529.4086 24.9986 21.4872 18.6646 16.3742 14.4982 3630.1075 25.4888 21.8323 18.9083 16.5469 14.6210 3730.7995 25.9695 22.1672 19.1426 16.7113 14.7368 3831.4847 26.4406 22.4925 19.3679 16.8679 14.8460 3932.1630 26.9026 22.8082 19.5845 17.0170 14.9491 4032.8347 27.3555 23.1148 19.7928 17.1591 15.0463 4133.4997 27.7995 23.4124 19.9931 17.2944 15.1380 4234.1581 28.2348 23.7014 20.1856 17.4232 15.2245 4334.8100 28.6616 23.9819 20.3708 17.5459 15.3062 4435.4555 29.0800 24.2543 20.5488 17.6628 15.3832 4536.0945 29.4902 24.5187 20.7200 17.7741 15.4558 46

36.7272

29.8923

24.7754

20.8847

17.8801

15.5244

1/??1/(?(1+?)^n )

(1?(1+?)^(?

4737.353730.286625.024721.042917.981015.5890 4837.974030.673125.266721.195118.077215.6500 4938.588131.052125.501721.341518.168715.7076 5039.196131.423625.729821.482218.255915.7619

10%11%12%13%14%

0.93460.92590.91740.90910.90090.89290.88500.8772

1.8080 1.7833 1.7591 1.7355 1.7125 1.6901 1.6681 1.6467

2.6243 2.5771 2.5313 2.4869 2.4437 2.4018 2.3612 2.3216

3.3872 3.3121 3.2397 3.1699 3.1024 3.0373 2.9745 2.9137

4.1002 3.9927 3.8897 3.7908 3.6959 3.6048 3.5172 3.4331

4.7665 4.6229 4.4859 4.3553 4.2305 4.1114 3.9975 3.8887

5.3893 5.2064 5.0330 4.8684 4.7122 4.5638 4.4226 4.2883

5.9713 5.7466 5.5348 5.3349 5.1461 4.9676 4.7988 4.6389

6.5152 6.2469 5.9952 5.7590 5.5370 5.3282 5.1317 4.9464

7.0236 6.7101 6.4177 6.1446 5.8892 5.6502 5.4262 5.2161 7.49877.1390 6.8052 6.4951 6.2065 5.9377 5.6869 5.4527

7.94277.53617.1607 6.8137 6.4924 6.1944 5.9176 5.6603

8.35777.90387.48697.1034 6.7499 6.4235 6.1218 5.8424

8.74558.24427.78627.3667 6.9819 6.6282 6.3025 6.0021

9.10798.55958.06077.60617.1909 6.8109 6.4624 6.1422 9.44668.85148.31267.82377.3792 6.9740 6.6039 6.2651

9.76329.12168.54368.02167.54887.1196 6.7291 6.3729

10.05919.37198.75568.20147.70167.2497 6.8399 6.4674 10.33569.60368.95018.36497.83937.3658 6.9380 6.5504 10.59409.81819.12858.51367.96337.46947.0248 6.6231

10.835510.01689.29228.64878.07517.56207.1016 6.6870

11.061210.20079.44248.77158.17577.64467.1695 6.7429 11.272210.37119.58028.88328.26647.71847.2297 6.7921 11.469310.52889.70668.98478.34817.78437.2829 6.8351 11.653610.67489.82269.07708.42177.84317.3300 6.8729 11.825810.81009.92909.16098.48817.89577.3717 6.9061

11.986710.935210.02669.23728.54787.94267.4086 6.9352

12.137111.051110.11619.30668.60167.98447.4412 6.9607 12.277711.158410.19839.36968.65018.02187.4701 6.9830 12.409011.257810.27379.42698.69388.05527.49577.0027 12.531811.349810.34289.47908.73318.08507.51837.0199 12.646611.435010.40629.52648.76868.11167.53837.0350 12.753811.513910.46449.56948.80058.13547.55607.0482 12.854011.586910.51789.60868.82938.15667.57177.0599

12.947711.654610.56689.64428.85528.17557.58567.0700

13.035211.717210.61189.67658.87868.19247.59797.0790 13.117011.775210.65309.70598.89968.20757.60877.0868 13.193511.828910.69089.73278.91868.22107.61837.0937 13.264911.878610.72559.75708.93578.23307.62687.0997 13.331711.924610.75749.77918.95118.24387.63447.1050 13.394111.967210.78669.79918.96498.25347.64107.1097 13.452412.006710.81349.81748.97748.26197.64697.1138 13.507012.043210.83809.83408.98868.26967.65227.1173 13.557912.077110.86059.84918.99888.27647.65687.1205 13.605512.108410.88129.86289.00798.28257.66097.1232 13.650012.137410.90029.87539.01618.28807.66457.1256

13.691612.164310.91769.88669.02358.29287.66777.1277 13.730512.189110.93369.89699.03028.29727.67057.1296 13.766812.212210.94829.90639.03628.30107.67307.1312 13.800712.233510.96179.91489.04178.30457.67527.1327

15%16%17%18%19%20%21%22%

0.86960.86210.85470.84750.84030.83330.82640.8197

1.6257 1.6052 1.5852 1.5656 1.5465 1.5278 1.5095 1.4915

2.2832 2.2459 2.2096 2.1743 2.1399 2.1065 2.0739 2.0422

2.8550 2.7982 2.7432 2.6901 2.6386 2.5887 2.5404 2.4936

3.3522 3.2743 3.1993 3.1272 3.0576 2.9906 2.9260 2.8636

3.7845 3.6847 3.5892 3.4976 3.4098 3.3255 3.2446 3.1669

4.1604 4.0386 3.9224 3.8115 3.7057 3.6046 3.5079 3.4155 4.4873 4.3436 4.2072 4.0776 3.9544 3.8372 3.7256 3.6193

4.7716 4.6065 4.4506 4.3030 4.1633 4.0310 3.9054 3.7863

5.0188 4.8332 4.6586 4.4941 4.3389 4.1925 4.0541 3.9232 5.2337 5.0286 4.8364 4.6560 4.4865 4.3271 4.1769 4.0354 5.4206 5.1971 4.9884 4.7932 4.6105 4.4392 4.2784 4.1274 5.5831 5.3423 5.1183 4.9095 4.7147 4.5327 4.3624 4.2028 5.7245 5.4675 5.2293 5.0081 4.8023 4.6106 4.4317 4.2646 5.8474 5.5755 5.3242 5.0916 4.8759 4.6755 4.4890 4.3152

5.9542 5.6685 5.4053 5.1624 4.9377 4.7296 4.5364 4.3567

6.0472 5.7487 5.4746 5.2223 4.9897 4.7746 4.5755 4.3908 6.1280 5.8178 5.5339 5.2732 5.0333 4.8122 4.6079 4.4187 6.1982 5.8775 5.5845 5.3162 5.0700 4.8435 4.6346 4.4415 6.2593 5.9288 5.6278 5.3527 5.1009 4.8696 4.6567 4.4603 6.3125 5.9731 5.6648 5.3837 5.1268 4.8913 4.6750 4.4756 6.3587 6.0113 5.6964 5.4099 5.1486 4.9094 4.6900 4.4882 6.3988 6.0442 5.7234 5.4321 5.1668 4.9245 4.7025 4.4985 6.4338 6.0726 5.7465 5.4509 5.1822 4.9371 4.7128 4.5070 6.4641 6.0971 5.7662 5.4669 5.1951 4.9476 4.7213 4.5139 6.4906 6.1182 5.7831 5.4804 5.2060 4.9563 4.7284 4.5196 6.5135 6.1364 5.7975 5.4919 5.2151 4.9636 4.7342 4.5243 6.5335 6.1520 5.8099 5.5016 5.2228 4.9697 4.7390 4.5281 6.5509 6.1656 5.8204 5.5098 5.2292 4.9747 4.7430 4.5312 6.5660 6.1772 5.8294 5.5168 5.2347 4.9789 4.7463 4.5338 6.5791 6.1872 5.8371 5.5227 5.2392 4.9824 4.7490 4.5359 6.5905 6.1959 5.8437 5.5277 5.2430 4.9854 4.7512 4.5376 6.6005 6.2034 5.8493 5.5320 5.2462 4.9878 4.7531 4.5390 6.6091 6.2098 5.8541 5.5356 5.2489 4.9898 4.7546 4.5402 6.6166 6.2153 5.8582 5.5386 5.2512 4.9915 4.7559 4.5411 6.6231 6.2201 5.8617 5.5412 5.2531 4.9929 4.7569 4.5419 6.6288 6.2242 5.8647 5.5434 5.2547 4.9941 4.7578 4.5426 6.6338 6.2278 5.8673 5.5452 5.2561 4.9951 4.7585 4.5431 6.6380 6.2309 5.8695 5.5468 5.2572 4.9959 4.7591 4.5435 6.6418 6.2335 5.8713 5.5482 5.2582 4.9966 4.7596 4.5439 6.6450 6.2358 5.8729 5.5493 5.2590 4.9972 4.7600 4.5441 6.6478 6.2377 5.8743 5.5502 5.2596 4.9976 4.7603 4.5444 6.6503 6.2394 5.8755 5.5510 5.2602 4.9980 4.7606 4.5446 6.6524 6.2409 5.8765 5.5517 5.2607 4.9984 4.7608 4.5447 6.6543 6.2421 5.8773 5.5523 5.2611 4.9986 4.7610 4.5449 6.6559 6.2432 5.8781 5.5528 5.2614 4.9989 4.7612 4.5450

6.6573 6.2442 5.8787 5.5532 5.2617 4.9991 4.7613 4.5451 6.6585 6.2450 5.8792 5.5536 5.2619 4.9992 4.7614 4.5451 6.6596 6.2457 5.8797 5.5539 5.2621 4.9993 4.7615 4.5452 6.6605 6.2463 5.8801 5.5541 5.2623 4.9995 4.7616 4.5452

23%24%25%26%27%28%29%30%

0.81300.80650.80000.79370.78740.78130.77520.7692

1.4740 1.4568 1.4400 1.4235 1.4074 1.3916 1.3761 1.3609

2.0114 1.9813 1.9520 1.9234 1.8956 1.8684 1.8420 1.8161 2.4483 2.4043 2.3616 2.3202 2.2800 2.2410 2.2031 2.1662

2.8035 2.7454 2.6893 2.6351 2.5827 2.5320 2.4830 2.4356

3.0923 3.0205 2.9514 2.8850 2.8210 2.7594 2.7000 2.6427 3.3270 3.2423 3.1611 3.0833 3.0087 2.9370 2.8682 2.8021 3.5179 3.4212 3.3289 3.2407 3.1564 3.0758 2.9986 2.9247 3.6731 3.5655 3.4631 3.3657 3.2728 3.1842 3.0997 3.0190 3.7993 3.6819 3.5705 3.4648 3.3644 3.2689 3.1781 3.0915 3.9018 3.7757 3.6564 3.5435 3.4365 3.3351 3.2388 3.1473

3.9852 3.8514 3.7251 3.6059 3.4933 3.3868 3.2859 3.1903

4.0530 3.9124 3.7801 3.6555 3.5381 3.4272 3.3224 3.2233 4.1082 3.9616 3.8241 3.6949 3.5733 3.4587 3.3507 3.2487 4.1530 4.0013 3.8593 3.7261 3.6010 3.4834 3.3726 3.2682 4.1894 4.0333 3.8874 3.7509 3.6228 3.5026 3.3896 3.2832 4.2190 4.0591 3.9099 3.7705 3.6400 3.5177 3.4028 3.2948 4.2431 4.0799 3.9279 3.7861 3.6536 3.5294 3.4130 3.3037 4.2627 4.0967 3.9424 3.7985 3.6642 3.5386 3.4210 3.3105 4.2786 4.1103 3.9539 3.8083 3.6726 3.5458 3.4271 3.3158 4.2916 4.1212 3.9631 3.8161 3.6792 3.5514 3.4319 3.3198 4.3021 4.1300 3.9705 3.8223 3.6844 3.5558 3.4356 3.3230 4.3106 4.1371 3.9764 3.8273 3.6885 3.5592 3.4384 3.3254 4.3176 4.1428 3.9811 3.8312 3.6918 3.5619 3.4406 3.3272 4.3232 4.1474 3.9849 3.8342 3.6943 3.5640 3.4423 3.3286 4.3278 4.1511 3.9879 3.8367 3.6963 3.5656 3.4437 3.3297 4.3316 4.1542 3.9903 3.8387 3.6979 3.5669 3.4447 3.3305 4.3346 4.1566 3.9923 3.8402 3.6991 3.5679 3.4455 3.3312 4.3371 4.1585 3.9938 3.8414 3.7001 3.5687 3.4461 3.3317 4.3391 4.1601 3.9950 3.8424 3.7009 3.5693 3.4466 3.3321 4.3407 4.1614 3.9960 3.8432 3.7015 3.5697 3.4470 3.3324 4.3421 4.1624 3.9968 3.8438 3.7019 3.5701 3.4473 3.3326 4.3431 4.1632 3.9975 3.8443 3.7023 3.5704 3.4475 3.3328 4.3440 4.1639 3.9980 3.8447 3.7026 3.5706 3.4477 3.3329 4.3447 4.1644 3.9984 3.8450 3.7028 3.5708 3.4478 3.3330 4.3453 4.1649 3.9987 3.8452 3.7030 3.5709 3.4479 3.3331 4.3458 4.1652 3.9990 3.8454 3.7032 3.5710 3.4480 3.3331 4.3462 4.1655 3.9992 3.8456 3.7033 3.5711 3.4481 3.3332 4.3465 4.1657 3.9993 3.8457 3.7034 3.5712 3.4481 3.3332 4.3467 4.1659 3.9995 3.8458 3.7034 3.5712 3.4481 3.3332 4.3469 4.1661 3.9996 3.8459 3.7035 3.5713 3.4482 3.3333 4.3471 4.1662 3.9997 3.8459 3.7035 3.5713 3.4482 3.3333 4.3472 4.1663 3.9997 3.8460 3.7036 3.5713 3.4482 3.3333 4.3473 4.1663 3.9998 3.8460 3.7036 3.5714 3.4482 3.3333 4.3474 4.1664 3.9998 3.8460 3.7036 3.5714 3.4482 3.3333 4.3475 4.1665 3.9999 3.8461 3.7036 3.5714 3.4482 3.3333

4.3476 4.1665 3.9999 3.8461 3.7037 3.5714 3.4483 3.3333 4.3476 4.1665 3.9999 3.8461 3.7037 3.5714 3.4483 3.3333 4.3477 4.1666 3.9999 3.8461 3.7037 3.5714 3.4483 3.3333 4.3477 4.1666 3.9999 3.8461 3.7037 3.5714 3.4483 3.3333