年金现值、年金终值、复利现值、复利终值系数表.doc

年金现值
期数
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
1
0.9901
0.9804
0.9709
0.9615
0.9524
0.9434
0.9346
0.9259
0.9174
0.9091
2
1.9704
1.9416
1.9135
1.8861
1.8594
1.8334
1.808
1.7833
1.7591
1.7355
3
2.941
2.8839
2.8286
2.7751
2.7232
2.673
2.6243
2.5771
2.5313
2.4869
4
3.902
3.8077
3.7171
3.6299
3.546
3.4651
3.3872
3.3121
3.2397
3.1699
5
4.8534
4.7135
4.5797
4.4518
4.3295
4.2124
4.1002
3.9927
3.8897
3.7908

6
5.7955
5.6014
5.4172
5.2421
5.0757
4.9173
4.7665
4.6229
4.4859
4.3553
7
6.7282
6.472
6.2303
6.0021
5.7864
5.5824
5.3893
5.2064
5.033
4.8684
8
7.6517
7.3255
7.0197
6.7327
6.4632
6.2098
5.9713
5.7466
5.5348
5.3349
9
8.566
8.1622
7.7861
7.4353
7.1078
6.8017
6.5152
6.2469
5.9952
5.759
10
9.4713
8.9826
8.5302
8.1109
7.7217
7.3601
7.0236
6.7101
6.4177
6.1446

11
10.3676
9.7868
9.2526
8.7605
8.3064
7.8869
7.4987
7.139
6.8052
6.4951
12
11.2551
10.5753
9.954
9.3851
8.8633
8.3838
7.9427
7.5361
7.1607
6.8137
13
12.1337
11.3484
10.635
9.9856
9.3936
8.8527
8.3577
7.9038
7.4869
7.1034
14
13.0037
12.1062
11.2961
10.5631
9.8986
9.295
8.7455
8.2442
7.7862
7.3667
15
13.8651
12.8493
11.9379
11.1184
10.3797
9.7122
9.1079
8.5595
8.0607
7.6061

16
14.7179
13.5777
12.5611
11.6523
10.8378
10.1059
9.4466
8.8514
8.3126
7.8237
17
15.5623
14.2919
13.1661
12.1657
11.2741
10.4773
9.7632
9.1216
8.5436
8.0216
18
16.3983
14.992
13.7535
12.6593
11.6896
10.8276
10.0591
9.3719
8.7556
8.2014
19
17.226
15.6785
14.3238
13.1339
12.0853
11.1581
10.3356
9.6036
8.9501
8.3649
20
18.0456
16.3514
14.8775
13.5903
12.4622
11.4699
10.594
9.8181
9.1285
8.5136

21
18.857
17.0112
15.415
14.0292
12.8212
11.7641
10.8355
10.0168
9.2922
8.6487
22
19.6604
17.658
15.9369
14.4511
13.163
12.0416
11.0612
10.2007
9.4424
8.7715
23
20.4558
18.2922
16.4436
14.8568
13.4886
12.3034
11.2722
10.3711
9.5802
8.8832
24
21.2434
18.9139
16.9355
15.247
13.7986
12.5504
11.4693
10.5288
9.7066
8.9847
25
22.0232
19.5235
17.4131
15.6221
14.0939
12.7834
11.6536
10.6748
9.8226
9.077

26
22.7952
20.121
17.8768
15.9828
14.3752
13.0032
11.8258
10.81
9.929
9.1609
27
23.5596
20.7069
18.327
16.3296
14.643
13.2105
11.9867
10.9352
10.0266
9.2372
28
24.3164
21.2813
18.7641
16.6631
14.8981
13.4062
12.1371
11.0511
10.1161
9.3066
29
25.0658
21.8444
19.1885
16.9837
15.1411
13.5907
12.2777
11.1584
10.1983
9.3696
30
25.8077
22.3965
19.6004
17.292
15.3725
13.7648
12.409
11.2578
10.2737
9.4269

年金现值
期数
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
1
0.9009
0.8929
0.885
0.8772
0.8696
0.8621
0.8547
0.8475
0.8403
0.8333
2
1.7125
1.6901
1.6681
1.6467
1.6257
1.6052
1.5852
1.5656
1.5465
1.5278
3
2.4437
2.4018
2.3612
2.3216
2.2832
2.2459
2.2096
2.1743
2.1399
2.1065
4
3.1024
3.0373
2.9745
2.9137
2.855
2.7982
2.7432
2.6901
2.6386
2.5887
5
3.6959
3.6048
3.5172
3.4331
3.3522
3.2743
3.1993
3.1272
3.0576
2.9906

6
4.2305
4.1114
3.9975
3.8887
3.7845
3.6847
3.5892
3.4976
3.4098
3.3255
7
4.7122
4.5638
4.4226
4.2883
4.1604
4.0386
3.9224
3.8115
3.7057
3.6046
8
5.1461
4.9676
4.7988
4.6389
4.4873
4.3436
4.2072
4.0776
3.9544
3.8372
9
5.537
5.3282
5.1317
4.9464
4.7716
4.6065
4.4506
4.303
4.1633
4.031
10
5.8892
5.6502
5.4262
5.2161
5.0188
4.8332
4.6586
4.4941
4.3389
4.1925

11
6.2065
5.9377
5.6869
5.4527
5.2337
5.0286
4.8364
4.656
4.4865
4.3271
12
6.4924
6.1944
5.9176
5.6603
5.4206
5.1971
4.9884
4.7932
4.6105
4.4392
13
6.7499
6.4235
6.1218
5.8424
5.5831
5.3423
5.1183
4.9095
4.7147
4.5327
14
6.9819
6.6282
6.3025
6.0021
5.7245
5.4675
5.2293
5.0081
4.8023
4.6106
15
7.1909
6.8109
6.4624
6.1422
5.8474
5.5755
5.3242
5.0916
4.8759
4.6755

16
7.3792
6.974
6.6039
6.2651
5.9542
5.6685
5.4053
5.1624
4.9377
4.7296
17
7.5488
7.1196
6.7291
6.3729
6.0472
5.7487
5.4746
5.2223
4.9897
4.7746
18
7.7016
7.2497
6.8399
6.4674
6.128
5.8178
5.5339
5.2732
5.0333
4.8122
19
7.8393
7.3658
6.938
6.5504
6.1982
5.8775
5.5845
5.3162
5.07
4.8435
20
7.9633
7.4694
7.0248
6.6231
6.2593
5.9288
5.6278
5.3527
5.1009
4.8696

21
8.0751
7.562
7.1016
6.687
6.3125
5.9731
5.6648
5.3837
5.1268
4.8913
22
8.1757
7.6446
7.1695
6.7429
6.3587
6.0113
5.6964
5.4099
5.1486
4.9094
23
8.2664
7.7184
7.2297
6.7921
6.3988
6.0442
5.7234
5.4321
5.1668
4.9245
24
8.3481
7.7843
7.2829
6.8351
6.4338
6.0726
5.7465
5.4509
5.1822
4.9371
25
8.4217
7.8431
7.33
6.8729
6.4641
6.0971
5.7662
5.4669
5.1951
4.9476

26
8.4881
7.8957
7.3717
6.9061
6.4906
6.1182
5.7831
5.4804
5.206
4.9563
27
8.5478
7.9426
7.4086
6.9352
6.5135
6.1364
5.7975
5.4919
5.2151
4.9636
28
8.6016
7.9844
7.4412
6.9607
6.5335
6.152
5.8099
5.5016
5.2228
4.9697
29
8.6501
8.0218
7.4701
6.983
6.5509
6.1656
5.8204
5.5098
5.2292
4.9747
30
8.6938
8.0552
7.4957
7.0027
6.566
6.1772
5.8294
5.5168
5.2347
4.9789

年金现值
期数
21%
22%
23%
24%
25%
26%
27%
28%
29%
30%
1
0.8264
0.8197
0.813
0.8065
0.8
0.7937
0.7874
0.7813
0.7752
0.7692
2
1.5095
1.4915
1.474
1.4568
1.44
1.4235
1.4074
1.3916
1.3761
1.3609
3
2.0739
2.0422
2.0114
1.9813
1.952
1.9234
1.8956
1.8684
1.842
1.8161
4
2.5404
2.4936
2.4483
2.4043
2.3616
2.3202
2.28
2.241
2.2031
2.1662
5
2.926
2.8636
2.8035
2.7454
2.6893
2.6351
2.5827
2.532
2.483
2.4356

6
3.2446
3.1669
3.0923
3.0205
2.9514
2.885
2.821
2.7594
2.7
2.6427
7
3.5079
3.4155
3.327
3.2423
3.1611
3.0833
3.0087
2.937
2.8682
2.8021
8
3.7256
3.6193
3.5179
3.4212
3.3289
3.2407
3.1564
3.0758
2.9986
2.9247
9
3.9054
3.7863
3.6731
3.5655
3.4631
3.3657
3.2728
3.1842
3.0997
3.019
10
4.0541
3.9232
3.7993
3.6819
3.5705
3.4648
3.3644
3.2689
3.1781
3.0915

11
4.1769
4.0354
3.9018
3.7757
3.6564
3.5435
3.4365
3.3351
3.2388
3.1473
12
4.2784
4.1274
3.9852
3.8514
3.7251
3.6059
3.4933
3.3868
3.2859
3.1903
13
4.3624
4.2028
4.053
3.9124
3.7801
3.6555
3.5381
3.4272
3.3224
3.2233
14
4.4317
4.2646
4.1082
3.9616
3.8241
3.6949
3.5733
3.4587
3.3507
3.2487
15
4.489
4.3152
4.153
4.0013
3.8593
3.7261
3.601
3.4834
3.3726
3.2682

16
4.5364
4.3567
4.1894
4.0333
3.8874
3.7509
3.6228
3.5026
3.3896
3.2832
17
4.5755
4.3908
4.219
4.0591
3.9099
3.7705
3.64
3.5177
3.4028
3.2948
18
4.6079
4.4187
4.2431
4.0799
3.9279
3.7861
3.6536
3.5294
3.413
3.3037
19
4.6346
4.4415
4.2627
4.0967
3.9424
3.7985
3.6642
3.5386
3.421
3.3105
20
4.6567
4.4603
4.2786
4.1103
3.9539
3.8083
3.6726
3.5458
3.4271
3.3158

21
4.675
4.4756
4.2916
4.1212
3.9631
3.8161
3.6792
3.5514
3.4319
3.3198
22
4.69
4.4882
4.3021
4.13
3.9705
3.8223
3.6844
3.5558
3.4356
3.323
23
4.7025
4.4985
4.3106
4.1371
3.9764
3.8273
3.6885
3.5592
3.4384
3.3254
24
4.7128
4.507
4.3176
4.1428
3.9811
3.8312
3.6918
3.5619
3.4406
3.3272
25
4.7213
4.5139
4.3232
4.1474
3.9849
3.8342
3.6943
3.564
3.4423
3.3286

26
4.7284
4.5196
4.3278
4.1511
3.9879
3.8367
3.6963
3.5656
3.4437
3.3297
27
4.7342
4.5243
4.3316
4.1542
3.9903
3.8387
3.6979
3.5669
3.4447
3.3305
28
4.739
4.5281
4.3346
4.1566
3.9923
3.8402
3.6991
3.5679
3.4455
3.3312
29
4.743
4.5312
4.3371
4.1585
3.9938
3.8414
3.7001
3.5687
3.4461
3.3317
30
4.7463
4.5338
4.3391
4.1601
3.995
3.8424
3.7009
3.5693
3.4466
3.3321

年金终值
期数
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
1
1
1
1
1
1
1
1
1
1
1
2
2.01
2.02
2.03
2.04
2.05
2.06
2.07
2.08
2.09
2.1
3
3.0301
3.0604
3.0909
3.1216
3.1525
3.1836
3.2149
3.2464
3.2781
3.31
4
4.0604
4.1216
4.1836
4.2465
4.3101
4.3746
4.4399
4.5061
4.5731
4.641
5
5.101
5.204
5.3091
5.4163
5.5256
5.6371
5.7507
5.8666
5.9847
6.1051

6
6.152
6.3081
6.4684
6.633
6.8019
6.9753
7.1533
7.3359
7.5233
7.7156
7
7.2135
7.4343
7.6625
7.8983
8.142
8.3938
8.654
8.9228
9.2004
9.4872
8
8.2857
8.583
8.8923
9.2142
9.5491
9.8975
10.2598
10.6366
11.0285
11.4359
9
9.3685
9.7546
10.1591
10.5828
11.0266
11.4913
11.978
12.4876
13.021
13.5795
10
10.4622
10.9497
11.4639
12.0061
12.5779
13.1808
13.8164
14.4866
15.1929
15.9374

11
11.5668
12.1687
12.8078
13.4864
14.2068
14.9716
15.7836
16.6455
17.5603
18.5312
12
12.6825
13.4121
14.192
15.0258
15.9171
16.8699
17.8885
18.9771
20.1407
21.3843
13
13.8093
14.6803
15.6178
16.6268
17.713
18.8821
20.1406
21.4953
22.9534
24.5227
14
14.9474
15.9739
17.0863
18.2919
19.5986
21.0151
22.5505
24.2149
26.0192
27.975
15
16.0969
17.2934
18.5989
20.0236
21.5786
23.276
25.129
27.1521
29.3609
31.7725

16
17.2579
18.6393
20.1569
21.8245
23.6575
25.6725
27.8881
30.3243
33.0034
35.9497
17
18.4304
20.0121
21.7616
23.6975
25.8404
28.2129
30.8402
33.7502
36.9737
40.5447
18
19.6147
21.4123
23.4144
25.6454
28.1324
30.9057
33.999
37.4502
41.3013
45.5992
19
20.8109
22.8406
25.1169
27.6712
30.539
33.76
37.379
41.4463
46.0185
51.1591
20
22.019
24.2974
26.8704
29.7781
33.066
36.7856
40.9955
45.762
51.1601
57.275

21
23.2392
25.7833
28.6765
31.9692
35.7193
39.9927
44.8652
50.4229
56.7645
64.0025
22
24.4716
27.299
30.5368
34.248
38.5052
43.3923
49.0057
55.4568
62.8733
71.4027
23
25.7163
28.845
32.4529
36.6179
41.4305
46.9958
53.4361
60.8933
69.5319
79.543
24
26.9735
30.4219
34.4265
39.0826
44.502
50.8156
58.1767
66.7648
76.7898
88.4973
25
28.2432
32.0303
36.4593
41.6459
47.7271
54.8645
63.249
73.1059
84.7009
98.3471

26
29.5256
33.6709
38.553
44.3117
51.1135
59.1564
68.6765
79.9544
93.324
109.1818
27
30.8209
35.3443
40.7096
47.0842
54.6691
63.7058
74.4838
87.3508
102.7231
121.0999
28
32.1291
37.0512
42.9309
49.9676
58.4026
68.5281
80.6977
95.3388
112.9682
134.2099
29
33.4504
38.7922
45.2189
52.9663
62.3227
73.6398
87.3465
103.9659
124.1354
148.6309
30
34.7849
40.5681
47.5754
56.0849
66.4388
79.0582
94.4608
113.2832
136.3075
164.494

年金终值
期数
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
1
1
1
1
1
1
1
1
1
1
1
2
2.11
2.12
2.13
2.14
2.15
2.16
2.17
2.18
2.19
2.2
3
3.3421
3.3744
3.4069
3.4396
3.4725
3.5056
3.5389
3.5724
3.6061
3.64
4
4.7097
4.7793
4.8498
4.9211
4.9934
5.0665
5.1405
5.2154
5.2913
5.368
5
6.2278
6.3528
6.4803
6.6101
6.7424
6.8771
7.0144
7.1542
7.2966
7.4416

6
7.9129
8.1152
8.3227
8.5355
8.7537
8.9775
9.2068
9.442
9.683
9.9299
7
9.7833
10.089
10.4047
10.7305
11.0668
11.4139
11.772
12.1415
12.5227
12.9159
8
11.8594
12.2997
12.7573
13.2328
13.7268
14.2401
14.7733
15.327
15.902
16.4991
9
14.164
14.7757
15.4157
16.0853
16.7858
17.5185
18.2847
19.0859
19.9234
20.7989
10
16.722
17.5487
18.4197
19.3373
20.3037
21.3215
22.3931
23.5213
24.7089
25.9587

11
19.5614
20.6546
21.8143
23.0445
24.3493
25.7329
27.1999
28.7551
30.4035
32.1504
12
22.7132
24.1331
25.6502
27.2707
29.0017
30.8502
32.8239
34.9311
37.1802
39.5805
13
26.2116
28.0291
29.9847
32.0887
34.3519
36.7862
39.404
42.2187
45.2445
48.4966
14
30.0949
32.3926
34.8827
37.5811
40.5047
43.672
47.1027
50.818
54.8409
59.1959
15
34.4054
37.2797
40.4175
43.8424
47.5804
51.6595
56.1101
60.9653
66.2607
72.0351

16
39.1899
42.7533
46.6717
50.9804
55.7175
60.925
66.6488
72.939
79.8502
87.4421
17
44.5008
48.8837
53.7391
59.1176
65.0751
71.673
78.9792
87.068
96.0218
105.9306
18
50.3959
55.7497
61.7251
68.3941
75.8364
84.1407
93.4056
103.7403
115.2659
128.1167
19
56.9395
63.4397
70.7494
78.9692
88.2118
98.6032
110.2846
123.4135
138.1664
154.74
20
64.2028
72.0524
80.9468
91.0249
102.4436
115.3797
130.0329
146.628
165.418
186.688

21
72.2651
81.6987
92.4699
104.7684
118.8101
134.8405
153.1385
174.021
197.8474
225.0256
22
81.2143
92.5026
105.491
120.436
137.6316
157.415
180.1721
206.3448
236.4385
271.0307
23
91.1479
104.6029
120.2048
138.297
159.2764
183.6014
211.8013
244.4868
282.3618
326.2369
24
102.1742
118.1552
136.8315
158.6586
184.1678
213.9776
248.8076
289.4945
337.0105
392.4842
25
114.4133
133.3339
155.6196
181.8708
212.793
249.214
292.1049
342.6035
402.0425
471.9811

26
127.9988
150.3339
176.8501
208.3327
245.712
290.0883
342.7627
405.2721
479.4306
567.3773
27
143.0786
169.374
200.8406
238.4993
283.5688
337.5024
402.0323
479.2211
571.5224
681.8528
28
159.8173
190.6989
227.9499
272.8892
327.1041
392.5028
471.3778
566.4809
681.1116
819.2233
29
178.3972
214.5828
258.5834
312.0937
377.1697
456.3032
552.5121
669.4475
811.5228
984.068
30
199.0209
241.3327
293.1992
356.7868
434.7451
530.3117
647.4391
790.948
966.7122
1181.8816

年金终值
期数
21%
22%
23%
24%
25%
26%
27%
28%
29%
30%
1
1
1
1
1
1
1
1
1
1
1
2
2.21
2.22
2.23
2.24
2.25
2.26
2.27
2.28
2.29
2.3
3
3.6741
3.7084
3.7429
3.7776
3.8125
3.8476
3.8829
3.9184
3.9541
3.99
4
5.4457
5.5242
5.6038
5.6842
5.7656
5.848
5.9313
6.0156
6.1008
6.187
5
7.5892
7.7396
7.8926
8.0484
8.207
8.3684
8.5327
8.6999
8.87
9.0431

6
10.183
10.4423
10.7079
10.9801
11.2588
11.5442
11.8366
12.1359
12.4423
12.756
7
13.3214
13.7396
14.1708
14.6153
15.0735
15.5458
16.0324
16.5339
17.0506
17.5828
8
17.1189
17.7623
18.43
19.1229
19.8419
20.5876
21.3612
22.1634
22.9953
23.8577
9
21.7139
22.67
23.669
24.7125
25.8023
26.9404
28.1287
29.3692
30.6639
32.015
10
27.2738
28.6574
30.1128
31.6434
33.2529
34.9449
36.7235
38.5926
40.5564
42.6195

11
34.0013
35.962
38.0388
40.2379
42.5661
45.0306
47.6388
50.3985
53.3178
56.4053
12
42.1416
44.8737
47.7877
50.895
54.2077
57.7386
61.5013
65.51
69.78
74.327
13
51.9913
55.7459
59.7788
64.1097
68.7596
73.7506
79.1066
84.8529
91.0161
97.625
14