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常用财务系数表(年金终值系数表+年金现值系数表)

复利终

值系数

表

（FVIF

表）

1%2%3%4%5%6%7%8%

1 1.01 1.0

2 1.0

3 1.0

4 1.0

5 1.0

6 1.0

7 1.08

2 1.02 1.04 1.061 1.082 1.10

3 1.12

4 1.14

5 1.166

3 1.03 1.061 1.093 1.125 1.158 1.191 1.225 1.26

4 1.041 1.082 1.126 1.17 1.216 1.262 1.311 1.36

5 1.051 1.104 1.159 1.217 1.27

6 1.338 1.403 1.469

6 1.062 1.126 1.194 1.265 1.34 1.419 1.501 1.587

7 1.072 1.149 1.23 1.316 1.407 1.504 1.606 1.714

8 1.083 1.172 1.267 1.369 1.477 1.594 1.718 1.851

9 1.094 1.195 1.305 1.423 1.551 1.689 1.838 1.999

10 1.105 1.219 1.344 1.48 1.629 1.791 1.967 2.159

11 1.116 1.243 1.384 1.539 1.71 1.898 2.105 2.332

12 1.127 1.268 1.426 1.601 1.796 2.012 2.252 2.518

13 1.138 1.294 1.469 1.665 1.886 2.133 2.41 2.72

14 1.149 1.319 1.513 1.732 1.98 2.261 2.579 2.937

15 1.161 1.346 1.558 1.801 2.079 2.397 2.759 3.172

16 1.173 1.373 1.605 1.873 2.183 2.54 2.952 3.426

17 1.184 1.4 1.653 1.948 2.292 2.693 3.159 3.7

18 1.196 1.428 1.702 2.026 2.407 2.854 3.38 3.996

19 1.208 1.457 1.754 2.107 2.527 3.026 3.617 4.316

20 1.22 1.486 1.806 2.191 2.653 3.207 3.87 4.661

21 1.232 1.516 1.86 2.279 2.786 3.4 4.141 5.034

22 1.245 1.546 1.916 2.37 2.925 3.604 4.43 5.437

23 1.257 1.577 1.974 2.465 3.072 3.82 4.741 5.871

24 1.27 1.608 2.033 2.563 3.225 4.049 5.072 6.341

25 1.282 1.641 2.094 2.666 3.386 4.292 5.427 6.848

26 1.295 1.673 2.157 2.772 3.556 4.549 5.8077.396

27 1.308 1.707 2.221 2.883 3.733 4.822 6.2147.988

28 1.321 1.741 2.288 2.999 3.92 5.112 6.6498.627

29 1.335 1.776 2.357 3.119 4.116 5.4187.1149.317

30 1.348 1.811 2.427 3.243 4.322 5.7437.61210.063

40 1.489 2.208 3.262 4.8017.0410.28614.97421.725

50 1.654 2.692 4.3847.10711.46718.4229.45746.902

复利现

值系数

表

（PVIF

表）

n1%2%3%4%5%6%8%10%

10.990.980.970.9610.9520.9430.9250.909

20.980.9610.9420.9240.9070.8890.8570.826

30.970.9420.9150.8880.8630.8390.7930.751

40.960.9230.8880.8540.8220.7920.7350.683

50.9510.9050.8620.8210.7830.7470.680.62

60.9420.8870.8370.790.7460.7040.630.564 70.9320.870.8130.7590.710.6650.5830.513 80.9230.8530.7890.730.6760.6270.540.466 90.9140.8360.7660.7020.6440.5910.50.424 100.9050.820.7440.6750.6130.5580.4630.385 110.8960.8040.7220.6490.5840.5260.4280.35 120.8870.7880.7010.6240.5560.4960.3970.318 130.8780.7730.680.60.530.4680.3670.289 140.8690.7570.6610.5770.5050.4420.340.263 150.8610.7430.6410.5550.4810.4170.3150.239 160.8520.7280.6230.5330.4580.3930.2910.217 170.8440.7140.6050.5130.4360.3710.270.197 180.8360.70.5870.4930.4150.350.250.179 190.8270.6860.570.4740.3950.330.2310.163 200.8190.6720.5530.4560.3760.3110.2140.148 210.8110.6590.5370.4380.3580.2940.1980.135 220.8030.6460.5210.4210.3410.2770.1830.122 230.7950.6340.5060.4050.3250.2610.170.111 240.7870.6210.4910.390.310.2460.1570.101 250.7790.6090.4770.3750.2950.2320.1460.092 260.7720.5970.4630.360.2810.2190.1350.083 270.7640.5850.450.3460.2670.2070.1250.076 280.7560.5740.4370.3330.2550.1950.1150.069 290.7490.5630.4240.320.2420.1840.1070.063 300.7410.5520.4110.3080.2310.1740.0990.057 310.7340.5410.3990.2960.220.1640.0920.052 320.7270.530.3880.2850.2090.1540.0850.047 330.720.520.3770.2740.1990.1460.0780.043 340.7120.510.3660.2630.190.1370.0730.039 350.7050.50.3550.2530.1810.130.0670.035 360.6980.490.3450.2430.1720.1220.0620.032 370.6920.480.3340.2340.1640.1150.0570.029 380.6850.4710.3250.2250.1560.1090.0530.026 390.6780.4610.3150.2160.1490.1030.0490.024 400.6710.4520.3060.2080.1420.0970.0460.022 410.6650.4440.2970.20.1350.0910.0420.02 420.6580.4350.2880.1920.1280.0860.0390.018 430.6510.4260.280.1850.1220.0810.0360.016 440.6450.4180.2720.1780.1160.0770.0330.015 450.6390.410.2640.1710.1110.0720.0310.013 460.6320.4020.2560.1640.1050.0680.0290.012 470.6260.3940.2490.1580.10.0640.0260.011 480.620.3860.2410.1520.0960.060.0240.01 490.6140.3780.2340.1460.0910.0570.0230.009 500.6080.3710.2280.140.0870.0540.0210.008

年金现

值系数

表

（PVIF

A表）

n1%2%3%4%5%6%8%10%

10.990.980.970.9610.9520.9430.9250.909

2 1.97 1.941 1.91

3 1.886 1.859 1.833 1.783 1.735

3 2.9

4 2.883 2.828 2.77

5 2.723 2.673 2.577 2.486

4 3.901 3.807 3.717 3.629 3.54

5 3.465 3.312 3.169

5 4.853 4.713 4.579 4.451 4.329 4.212 3.992 3.79

6 5.795 5.601 5.41

7 5.242 5.075 4.917 4.622 4.355

7 6.728 6.471 6.23 6.002 5.786 5.582 5.206 4.868

87.6517.3257.019 6.732 6.463 6.209 5.746 5.334

98.5668.1627.7867.4357.107 6.801 6.246 5.759

109.4718.9828.538.117.7217.36 6.71 6.144 1110.3679.7869.2528.768.3067.8867.138 6.495 1211.25510.5759.9549.3858.8638.3837.536 6.813 1312.13311.34810.6349.9859.3938.8527.9037.103 1413.00312.10611.29610.5639.8989.2948.2447.366 1513.86512.84911.93711.11810.3799.7128.5597.606 1614.71713.57712.56111.65210.83710.1058.8517.823 1715.56214.29113.16612.16511.27410.4779.1218.021 1816.39814.99213.75312.65911.68910.8279.3718.201 1917.22615.67814.32313.13312.08511.1589.6038.364 2018.04516.35114.87713.5912.46211.4699.8188.513 2118.85617.01115.41514.02912.82111.76410.0168.648 2219.6617.65815.93614.45113.16312.04110.28.771 2320.45518.29216.44314.85613.48812.30310.3718.883 2421.24318.91316.93515.24613.79812.5510.5288.984 2522.02319.52317.41315.62214.09312.78310.6749.077 2622.79520.12117.87615.98214.37513.00310.8099.16 2723.55920.70618.32716.32914.64313.2110.9359.237 2824.31621.28118.76416.66314.89813.40611.0519.306 2925.06521.84419.18816.98315.14113.5911.1589.369 3025.80722.39619.617.29215.37213.76411.2579.426 4032.83427.35523.11419.79217.15915.04611.9249.779 5039.19631.42325.72921.48218.25515.76112.2339.914

年金终

值系数

表

（FVIF

A表）

n1%2%3%4%5%6%7%8% 111111111

2 2.01 2.02 2.0

3 2.0

4 2.0

5 2.0

6 2.0

7 2.08

3 3.03 3.06 3.091 3.122 3.153 3.18

4 3.21

5 3.246

4 4.06 4.122 4.184 4.246 4.31 4.37

5 4.44 4.506

5 5.101 5.204 5.309 5.41

6 5.526 5.63

7 5.751 5.867

6 6.152 6.308 6.468 6.633 6.802 6.9757.1537.336 77.2147.4347.6627.8988.1428.3948.6548.923 88.2868.5838.8929.2149.5499.87910.2610.63

7 99.3699.75510.15910.58311.02711.49111.97812.48

8 1010.46210.9511.46412.00612.57813.18113.81614.487 1111.56712.16912.80813.48614.20714.97215.78416.645 1212.68313.41214.19215.02616.91716.8717.88818.977 1313.80914.6815.61816.62717.71318.88220.14121.495 1414.94715.97417.08618.29219.59921.01522.5524.215 1516.09717.29318.59920.02421.57923.27625.12927.152 1617.25818.63920.15721.82523.65725.67327.88830.324 1718.4320.01221.76223.69825.8428.21330.8433.75 1819.61521.41223.41425.64528.13230.90633.99937.45 1920.81122.84125.11727.67130.53933.7637.37941.446 2022.01924.29726.8729.77833.06636.78640.99545.762 2528.24332.0336.45941.64647.72754.86563.24973.106 3034.78540.58847.57556.08566.43979.05894.461113.28 4048.88660.40275.40195.026120.8154.76199.64259.06 5064.46384.579112.8152.67209.35290.34406.53573.77

9%10%11%12%13%14%15%16%17%

1.09 1.1 1.11 1.12 1.13 1.14 1.15 1.16 1.17 1.188 1.21 1.232 1.254 1.277 1.3 1.323 1.346 1.369 1.295 1.331 1.368 1.405 1.443 1.482 1.521 1.561 1.602 1.412 1.464 1.518 1.574 1.63 1.689 1.749 1.811 1.874 1.539 1.611 1.685 1.762 1.842 1.925

2.011 2.1 2.192 1.677 1.772 1.87 1.974 2.082 2.195 2.313 2.436 2.565 1.828 1.949 2.076 2.211 2.353 2.502 2.66 2.826

3.001

1.993

2.144 2.305 2.476 2.658 2.853

3.059 3.278 3.511

2.172 2.358 2.558 2.773

3.004 3.252 3.518 3.803

4.108 2.367 2.594 2.839 3.106 3.395 3.707 4.046 4.411 4.807

2.58 2.853

3.152 3.479 3.836

4.226 4.652

5.117 5.624

2.813

3.138 3.498 3.896

4.335 4.818

5.35 5.936

6.58

3.066 3.452 3.883

4.363 4.898

5.492

6.153 6.886

7.699 3.342 3.797 4.31 4.887 5.535 6.2617.0767.9889.007 3.642 4.177 4.785 5.474 6.2547.138

8.137

9.26610.539

3.97

4.595

5.311

6.13

7.067

8.137

9.35810.74812.33

4.328

5.054 5.895

6.866

7.9869.27610.76112.46814.426

4.717

5.56

6.544

7.699.02410.57512.37514.46316.879

5.142

6.116

7.263

8.61310.19712.05614.23216.7771

9.748

5.604

6.7278.0629.64611.52313.74316.36719.46123.106

6.109

7.4

8.94910.80413.02115.66818.82222.57427.034

6.6598.149.93412.114.7141

7.86121.64526.18631.629

7.2588.95411.02613.55216.62720.36224.89130.37637.006

7.9119.8512.23915.17918.78823.21228.62535.23643.297

8.62310.83513.5851721.23126.46232.91940.87450.658

9.39911.91815.0819.0423.99130.16737.85747.41459.27

10.24513.1116.73921.32527.10934.3943.5355569.345

11.16714.42118.5823.88430.63339.20450.06663.881.134

12.17215.86320.62426.7534.61644.69357.57574.00994.927

13.26817.44922.89229.9639.11650.9566.21285.85111.065 31.40945.25965.00193.051132.78188.88267.86378.72533.87 74.358117.39184.57289450.74700.231083.71670.72566.2

12%14%15%16%18%20%25%30%35% 0.8920.8770.8690.8620.8470.8330.80.7690.74 0.7970.7690.7560.7430.7180.6940.640.5910.548 0.7110.6740.6570.640.6080.5780.5120.4550.406 0.6350.5920.5710.5520.5150.4820.4090.350.301 0.5670.5190.4970.4760.4370.4010.3270.2690.223

0.5060.4550.4320.410.370.3340.2620.2070.165 0.4520.3990.3750.3530.3130.2790.2090.1590.122 0.4030.350.3260.3050.2660.2320.1670.1220.09 0.360.3070.2840.2620.2250.1930.1340.0940.067 0.3210.2690.2470.2260.1910.1610.1070.0720.049 0.2870.2360.2140.1950.1610.1340.0850.0550.036 0.2560.2070.1860.1680.1370.1120.0680.0420.027 0.2290.1820.1620.1450.1160.0930.0540.0330.02 0.2040.1590.1410.1250.0980.0770.0430.0250.014 0.1820.140.1220.1070.0830.0640.0350.0190.011 0.1630.1220.1060.0930.070.0540.0280.0150.008 0.1450.1070.0920.080.0590.0450.0220.0110.006 0.130.0940.080.0690.050.0370.0180.0080.004 0.1160.0820.070.0590.0430.0310.0140.0060.003 0.1030.0720.0610.0510.0360.0260.0110.0050.002 0.0920.0630.0530.0440.030.0210.0090.0040.001 0.0820.0550.0460.0380.0260.0180.0070.0030.001 0.0730.0490.040.0320.0220.0150.0050.0020.001 0.0650.0430.0340.0280.0180.0120.0040.0010 0.0580.0370.030.0240.0150.010.0030.0010 0.0520.0330.0260.0210.0130.0080.0030.0010 0.0460.0290.0220.0180.0110.0070.00200 0.0410.0250.0190.0150.0090.0060.00100 0.0370.0220.0170.0130.0080.0050.00100 0.0330.0190.0150.0110.0060.0040.00100 0.0290.0170.0130.010.0050.003000 0.0260.0150.0110.0080.0050.002000 0.0230.0130.0090.0070.0040.002000 0.0210.0110.0080.0060.0030.002000 0.0180.010.0070.0050.0030.001000 0.0160.0080.0060.0040.0020.001000 0.0150.0070.0050.0040.0020.001000 0.0130.0060.0040.0030.0010000 0.0120.0060.0040.0030.0010000 0.010.0050.0030.0020.0010000 0.0090.0040.0030.0020.0010000 0.0080.0040.0020.00100000 0.0070.0030.0020.00100000 0.0060.0030.0020.00100000 0.0060.0020.0010.00100000 0.0050.0020.0010.00100000 0.0040.0020.001000000 0.0040.0010.001000000 0.0030.0010.001000000 0.0030.0010000000

12%14%15%16%18%20%22%24%25%

0.8920.8770.8690.8620.8470.8330.8190.8060.799

1.69 1.646 1.625 1.605 1.565 1.527 1.491 1.456 1.44

2.401 2.321 2.283 2.245 2.174 2.106 2.042 1.981 1.952

3.037 2.913 2.854 2.798 2.69 2.588 2.493 2.404 2.361

3.604 3.433 3.352 3.274 3.127 2.99 2.863 2.745 2.689

4.111 3.888 3.784 3.684 3.497 3.325 3.166 3.02 2.951 4.563 4.288 4.16 4.038 3.811 3.604 3.415 3.242 3.161

4.967 4.638 4.487 4.343 4.077 3.837 3.619 3.421 3.328

5.328 4.946 4.771 4.606 4.303 4.03 3.786 3.565 3.463 5.65 5.216 5.018 4.833 4.494 4.192 3.923 3.681 3.57

5.937 5.452 5.233 5.028 4.656 4.327 4.035 3.775 3.656

6.194 5.66 5.42 5.197 4.793 4.439 4.127 3.851 3.725 6.423 5.842 5.583 5.342 4.909 4.532 4.202 3.912 3.78 6.628 6.002 5.724 5.467 5.008 4.61 4.264 3.961 3.824 6.81 6.142 5.847 5.575 5.091 4.675 4.315 4.001 3.859

6.973 6.265 5.954 5.668 5.162 4.729 4.356 4.033 3.887

7.119 6.372 6.047 5.748 5.222 4.774 4.39 4.059 3.909 7.249 6.467 6.127 5.817 5.273 4.812 4.418 4.079 3.927 7.365 6.55 6.198 5.877 5.316 4.843 4.441 4.096 3.942 7.469 6.623 6.259 5.928 5.352 4.869 4.46 4.11 3.953 7.562 6.686 6.312 5.973 5.383 4.891 4.475 4.121 3.963 7.644 6.742 6.358 6.011 5.409 4.909 4.488 4.129 3.97 7.718 6.792 6.398 6.044 5.432 4.924 4.498 4.137 3.976 7.784 6.835 6.433 6.072 5.45 4.937 4.507 4.142 3.981 7.843 6.872 6.464 6.097 5.466 4.947 4.513 4.147 3.984 7.895 6.906 6.49 6.118 5.48 4.956 4.519 4.151 3.987 7.942 6.935 6.513 6.136 5.491 4.963 4.524 4.154 3.99

7.984 6.96 6.533 6.152 5.501 4.969 4.528 4.156 3.992

8.021 6.983 6.55 6.165 5.509 4.974 4.531 4.158 3.993 8.0557.002 6.565 6.177 5.516 4.978 4.533 4.16 3.995 8.2437.105 6.641 6.233 5.548 4.996 4.543 4.165 3.999 8.3047.132 6.66 6.246 5.554 4.999 4.545 4.166 3.999

9%10%11%12%13%14%15%16%17% 111111111

2.09 2.1 2.11 2.12 2.13 2.14 2.15 2.16 2.17

3.278 3.31 3.342 3.374 3.407 3.44 3.473 3.506 3.539

4.573 4.641 4.71 4.779 4.85 4.921 4.993

5.066 5.141

5.985

6.105 6.228 6.353 6.48 6.61 6.742 6.877

7.014 7.5237.7167.913

8.1158.3238.5368.7548.977

9.207

9.29.4879.78310.08910.40510.7311.06711.41411.772 11.02811.43611.85912.312.75713.23313.72714.2414.773 13.02113.57914.16414.77615.41616.08516.78617.51918.285 15.91315.93716.72217.54918.4219.33720.30421.32122.393 17.5618.53119.56120.65521.81423.04524.34925.73327.2 20.14121.38422.71324.13325.6527.27129.00230.8532.824 22.95324.52326.21228.02929.98532.08934.35236.78639.404 26.01927.97530.09532.39334.88337.58140.50543.67247.103 29.36131.77234.40537.2840.41743.84247.5851.6656.11 33.00335.9539.1942.75346.67250.9855.71760.92566.649 36.97440.54544.50148.88453.73959.11865.07571.67378.979 41.30145.59950.39655.7561.72568.39475.83684.14193.406 46.01851.15956.93963.4470.74979.96988.21298.603110.29 51.1657.27564.20372.05280.94791.025120.44115.38130.03 84.70198.347114.41133.33155.62181.87212.79249.21292.11 136.31164.49199.02241.33293.2356.79434.75530.31647.44 337.89442.59581.83767.091013.713421779.12360.83134.5 815.081163.91668.8240003459.54991.57217.71043615090

18%19%20%25%30%

1.18 1.19 1.2 1.25 1.3

1.392 1.416 1.44 1.563 1.69

1.643 1.685 1.728 1.953

2.197

1.939

2.005 2.074 2.441 2.856

2.288 2.386 2.488

3.052 3.713

2.7 2.84 2.986

3.815

4.827

3.185 3.379 3.583

4.768 6.275

3.759

4.021 4.3

5.968.157

4.435 4.785

5.167.45110.604

5.234 5.695

6.1929.31313.786

6.176 6.777

7.4311.64217.922

7.2888.0648.91614.55223.298

8.5999.59610.69918.1930.288

10.14711.4212.83922.73739.374

11.97413.5915.40728.42251.186 14.12916.17218.48835.52766.542 16.67219.24422.18644.40986.504 19.67322.90126.62355.511112.455 23.21427.25231.94869.389146.192 27.39332.42938.33886.736190.05 32.32438.59146.005108.42247.065 38.14245.92355.206135.525321.184 45.00854.64966.247169.407417.539 53.10965.03279.497211.758542.801 62.66977.38895.396264.698705.641 73.94992.092114.475330.872917.333

87.26109.589137.371413.591192.533 102.967130.411164.845516.9881550.293 121.501155.189197.814646.2352015.381 143.371184.675237.376807.7942619.996 750.381051.71469.87523.236119 3927.45988.99100.470065497929

40%50%

0.7140.666

0.510.444

0.3640.296

0.260.197

0.1850.131

0.1320.087 0.0940.058 0.0670.039 0.0480.026 0.0340.017 0.0240.011 0.0170.007 0.0120.005 0.0080.003 0.0060.002 0.0040.001 0.0030.001 0.0020 0.0010 0.0010

30%35%40%45%50%

0.7690.740.7140.6890.666

1.36 1.289 1.224 1.165 1.111

1.816 1.695 1.588 1.493 1.407

2.166 1.996 1.849 1.719 1.604 2.435 2.219 2.035 1.875 1.736 2.642 2.385 2.167 1.983 1.824 2.802 2.507 2.262 2.057 1.882

2.924 2.598 2.33 2.108 1.921

3.019 2.665 2.378 2.143 1.947 3.091 2.715 2.413 2.168 1.965 3.147 2.751 2.438 2.184 1.976 3.19 2.779 2.455 2.196 1.984 3.223 2.799 2.468 2.204 1.989 3.248 2.814 2.477 2.209 1.993 3.268 2.825 2.483 2.213 1.995 3.283 2.833 2.488 2.216 1.996 3.294 2.839 2.491 2.218 1.997 3.303 2.844 2.494 2.219 1.998 3.31 2.847 2.495 2.22 1.999 3.315 2.85 2.497 2.22 1.999 3.319 2.851 2.497 2.221 1.999 3.322 2.853 2.498 2.221 1.999 3.325 2.854 2.498 2.221 1.999 3.327 2.855 2.499 2.221 1.999 3.328 2.855 2.499 2.222 1.999 3.329 2.855 2.499 2.222 1.999 3.33 2.856 2.499 2.222 1.999 3.331 2.856 2.499 2.222 1.999 3.331 2.856 2.499 2.222 1.999 3.332 2.856 2.499 2.222 1.999 3.333 2.857 2.499 2.222 1.999 3.333 2.857 2.499 2.222 1.999

18%19%20%25%30% 11111

2.18 2.19 2.2 2.25 2.3

3.572 3.606 3.64 3.813 3.99 5.215 5.291 5.368 5.766 6.187

7.1547.2977.4428.2079.043

9.4429.6839.9311.25912.756 12.14212.52312.91615.07317.583 15.32715.90216.49919.84223.858 19.08619.92320.79925.80232.015 23.52124.70125.95933.25342.619 28.75530.40432.1542.56656.405 34.93137.1839.58154.20874.327 42.21945.24448.49768.7697.625 50.81854.84154.19686.949127.91

6.96566.26172.035109.6916

7.29 72.93979.8587.44213

8.11218.47 87.06896.022105.93173.64285.01 103.74115.27128.12218.05371.52 123.41138.17154.74273.56483.97 146.63165.42186.69342.95630.17 342.6402.04471.981054.82348.8 790.95966.71181.93227.28730 4163.21551

9.87343.930089120393 218133151545497280256165976