最全财务的管理常用系数表完整版

1%1.01001.02011.03031.04061.05101.06151.07211.08291.09371.10461.11571.12681.13811.14951.16101.17261.18431.19611.20811.22021.23241.24471.25721.26971.28241.29531.30821.32131.33451.34781.48891.64461.8167in，S=P1i2%1.02001.04041.06121.08241.10411.12621.14871.17171.19511.21901.24341.26821.29361.31951.34591.37281.40021.42821.45681.48591.51571.54601.57691.60841.64061.67341.70691.74101.77581.81142.20802.69163.2810n3%1.03001.06091.09271.12551.15931.19411.22991.26681.30481.34391.38421.42581.46851.51261.55801.60471.65281.70241.75351.80611.86031.91611.97362.03282.09382.15662.22132.28792.35662.42733.26204.38395.89164%1.04001.08161.12491.16991.21671.26531.31591.36861.42331.48021.53951.60101.66511.73171.80091.87301.94792.02582.10682.19112.27882.36992.46472.56332.66582.77252.88342.99873.11873.24344.80107.106710.5205%1.05001.10251.15761.21551.27631.34011.40711.47751.55131.62891.71031.79591.88561.97992.07892.18292.29202.40662.52702.65332.78602.92533.07153.22513.38643.55573.73353.92014.11614.32197.040011.46718.6796%1.06001.12361.19101.26251.33821.41851.50361.59381.68951.79081.89832.01222.13292.26092.39662.54042.69282.85433.02563.20713.39963.60353.81974.04894.29194.54944.82235.11175.41845.743510.28618.42032.9887%1.07001.14491.22501.31081.40261.50071.60581.71821.83851.96722.10492.25222.40982.57852.75902.95223.15883.37993.61653.86974.14064.43044.74055.07245.42745.80746.21396.64887.11437.612314.97529.45757.9468%1.08001.16641.25971.36051.46931.58691.71381.85091.99902.15892.33162.51822.71962.93723.17223.42593.70003.99604.31574.66105.03385.43655.87156.34126.84857.39647.98818.62719.317310.06321.72546.902101.269%1.09001.18811.29501.41161.53861.67711.82801.99262.17192.36742.58042.81273.06583.34173.64253.97034.32764.71715.14175.60446.10886.65867.25797.91118.62319.399210.24511.16712.17213.26831.40974.358176.0310%1.10001.21001.33101.46411.61051.77161.94872.14362.35792.59372.85313.13843.45233.79754.17724.59505.05455.55996.11596.72757.40028.14038.95439.849710.83511.91813.11014.42115.86317.44945.259117.39304.48

1%1.01001.02011.03031.04061.05101.06151.07211.08291.09371.10461.11571.12681.13811.14951.16101.17261.18431.19611.20811.22021.23241.24471.25721.26971.28241.29531.30821.32131.33451.34781.48891.64461.8167in，S=P1i2%1.02001.04041.06121.08241.10411.12621.14871.17171.19511.21901.24341.26821.29361.31951.34591.37281.40021.42821.45681.48591.51571.54601.57691.60841.64061.67341.70691.74101.77581.81142.20802.69163.2810n3%1.03001.06091.09271.12551.15931.19411.22991.26681.30481.34391.38421.42581.46851.51261.55801.60471.65281.70241.75351.80611.86031.91611.97362.03282.09382.15662.22132.28792.35662.42733.26204.38395.89164%1.04001.08161.12491.16991.21671.26531.31591.36861.42331.48021.53951.60101.66511.73171.80091.87301.94792.02582.10682.19112.27882.36992.46472.56332.66582.77252.88342.99873.11873.24344.80107.106710.5205%1.05001.10251.15761.21551.27631.34011.40711.47751.55131.62891.71031.79591.88561.97992.07892.18292.29202.40662.52702.65332.78602.92533.07153.22513.38643.55573.73353.92014.11614.32197.040011.46718.6796%1.06001.12361.19101.26251.33821.41851.50361.59381.68951.79081.89832.01222.13292.26092.39662.54042.69282.85433.02563.20713.39963.60353.81974.04894.29194.54944.82235.11175.41845.743510.28618.42032.9887%1.07001.14491.22501.31081.40261.50071.60581.71821.83851.96722.10492.25222.40982.57852.75902.95223.15883.37993.61653.86974.14064.43044.74055.07245.42745.80746.21396.64887.11437.612314.97529.45757.9468%1.08001.16641.25971.36051.46931.58691.71381.85091.99902.15892.33162.51822.71962.93723.17223.42593.70003.99604.31574.66105.03385.43655.87156.34126.84857.39647.98818.62719.317310.06321.72546.902101.269%1.09001.18811.29501.41161.53861.67711.82801.99262.17192.36742.58042.81273.06583.34173.64253.97034.32764.71715.14175.60446.10886.65867.25797.91118.62319.399210.24511.16712.17213.26831.40974.358176.0310%1.10001.21001.33101.46411.61051.77161.94872.14362.35792.59372.85313.13843.45233.79754.17724.59505.05455.55996.11596.72757.40028.14038.95439.849710.83511.91813.11014.42115.86317.44945.259117.39304.48

一、复利终值系数表

期数123456789101112131415161718192021222324252627282930405060

计算公式：复利终值系数=1P—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437

续表12%1.12001.25441.40491.57351.76231.97382.21072.47602.77313.10583.47853.89604.36354.88715.47366.13046.86607.69008.61289.646310.80412.10013.55215.17917.00019.04021.32523.88426.75029.96093.051289.002595.9in，S=P1i14%1.14001.29961.48151.68901.92542.19502.50232.85263.25193.70724.22624.81795.49246.26137.13798.13729.276510.57512.05613.74415.66817.86120.36223.21226.46230.16734.39039.20544.69350.950188.88700.234384.0n15%1.15001.32251.52091.74902.01142.31312.66003.05903.51794.04564.65245.35036.15287.07578.13719.357610.76112.37614.23216.36718.82221.64524.89228.62532.91937.85743.53550.06657.57666.212267.861083.77370.216%1.16001.34561.56091.81062.10032.43642.82623.27843.80304.41145.11735.93606.88587.98759.265510.74812.46814.46316.77719.46122.57526.18630.37635.23640.87447.41455.00063.80074.00985.850378.721670.72055518%1.18001.39241.64301.93882.28782.69963.18553.75894.43555.23386.17597.28768.599410.14711.97414.12916.67219.67323.21427.39332.32438.14245.00853.10962.66973.94987.260102.97121.50143.37750.383927.45634820%1.20001.44001.72802.07362.48832.98603.58324.29985.15986.19177.43018.916110.69912.83915.40718.48822.18626.62331.94838.33846.00555.20666.24779.49795.396114.48137.37164.84197.81237.381469.89100.4*24%1.24001.53761.90662.36422.93163.63524.50775.58956.93108.594410.65713.21516.38620.31925.19631.24338.74148.03959.56873.86491.592113.57140.83174.63216.54268.51332.96412.86511.95634.825455.946890*28%1.28001.63842.09722.68443.43604.39805.62957.20589.223411.80615.11219.34324.75931.69140.56551.92366.46185.071108.89139.38178.41228.36292.30374.14478.90613.00784.641004.31285.61645.519427**32%1.32001.74242.30003.03604.00755.28996.98269.217012.16716.06021.19927.98336.93748.75764.35984.954112.14148.02195.39257.92340.45449.39593.20783.021033.61364.31800.92377.23137.94142.166521**36%1.36001.84962.51553.42104.65266.32758.605411.70315.91721.64729.43940.03854.45174.053100.71136.97186.28253.34344.54468.57637.26866.671178.71603.02180.12964.94032.35483.97458.110143**

续表12%1.12001.25441.40491.57351.76231.97382.21072.47602.77313.10583.47853.89604.36354.88715.47366.13046.86607.69008.61289.646310.80412.10013.55215.17917.00019.04021.32523.88426.75029.96093.051289.002595.9in，S=P1i14%1.14001.29961.48151.68901.92542.19502.50232.85263.25193.70724.22624.81795.49246.26137.13798.13729.276510.57512.05613.74415.66817.86120.36223.21226.46230.16734.39039.20544.69350.950188.88700.234384.0n15%1.15001.32251.52091.74902.01142.31312.66003.05903.51794.04564.65245.35036.15287.07578.13719.357610.76112.37614.23216.36718.82221.64524.89228.62532.91937.85743.53550.06657.57666.212267.861083.77370.216%1.16001.34561.56091.81062.10032.43642.82623.27843.80304.41145.11735.93606.88587.98759.265510.74812.46814.46316.77719.46122.57526.18630.37635.23640.87447.41455.00063.80074.00985.850378.721670.72055518%1.18001.39241.64301.93882.28782.69963.18553.75894.43555.23386.17597.28768.599410.14711.97414.12916.67219.67323.21427.39332.32438.14245.00853.10962.66973.94987.260102.97121.50143.37750.383927.45634820%1.20001.44001.72802.07362.48832.98603.58324.29985.15986.19177.43018.916110.69912.83915.40718.48822.18626.62331.94838.33846.00555.20666.24779.49795.396114.48137.37164.84197.81237.381469.89100.4*24%1.24001.53761.90662.36422.93163.63524.50775.58956.93108.594410.65713.21516.38620.31925.19631.24338.74148.03959.56873.86491.592113.57140.83174.63216.54268.51332.96412.86511.95634.825455.946890*28%1.28001.63842.09722.68443.43604.39805.62957.20589.223411.80615.11219.34324.75931.69140.56551.92366.46185.071108.89139.38178.41228.36292.30374.14478.90613.00784.641004.31285.61645.519427**32%1.32001.74242.30003.03604.00755.28996.98269.217012.16716.06021.19927.98336.93748.75764.35984.954112.14148.02195.39257.92340.45449.39593.20783.021033.61364.31800.92377.23137.94142.166521**36%1.36001.84962.51553.42104.65266.32758.605411.70315.91721.64729.43940.03854.45174.053100.71136.97186.28253.34344.54468.57637.26866.671178.71603.02180.12964.94032.35483.97458.110143**

期数123456789101112131415161718192021222324252627282930405060897.60

注：*〉99999计算公式：复利终值系数=1P—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

438

1%0.99010.98030.97060.96100.95150.94200.93270.92350.91430.90530.89630.88740.87870.87000.86130.85280.84440.83600.82770.81950.81140.80340.79540.78760.77980.77200.76440.75680.74930.74190.70590.67170.63910.60800.5785i-n，P=1i2%0.98040.96120.94230.92380.90570.88800.87060.85350.83680.82030.80430.78850.77300.75790.74300.72840.71420.70020.68640.67300.65980.64680.63420.62170.60950.59760.58590.57440.56310.55210.50000.45290.41020.37150.33651i3%0.97090.94260.91510.88850.86260.83750.81310.78940.76640.74410.72240.70140.68100.66110.64190.62320.60500.58740.57030.55370.53750.52190.50670.49190.47760.46370.45020.43710.42430.41200.35540.30660.26440.22810.1968S4%0.96150.92460.88900.85480.82190.79030.75990.73070.70260.67560.64960.62460.60060.57750.55530.53390.51340.49360.47460.45640.43880.42200.40570.39010.37510.36070.34680.33350.32070.30830.25340.20830.17120.14070.1157-n5%0.95240.90700.86380.82270.78350.74620.71070.67680.64460.61390.58470.55680.53030.50510.48100.45810.43630.41550.39570.37690.35890.34180.32560.31010.29530.28120.26780.25510.24290.23140.18130.14200.11130.08720.06836%0.94340.89000.83960.79210.74730.70500.66510.62740.59190.55840.52680.49700.46880.44230.41730.39360.37140.35030.33050.31180.29420.27750.26180.24700.23300.21980.20740.19560.18460.17410.13010.09720.07270.05430.04067%0.93460.87340.81630.76290.71300.66630.62270.58200.54390.50830.47510.44400.41500.38780.36240.33870.31660.29590.27650.25840.24150.22570.21090.19710.18420.17220.16090.15040.14060.13140.09370.06680.04760.03390.02428%0.92590.85730.79380.73500.68060.63020.58350.54030.50020.46320.42890.39710.36770.34050.31520.29190.27030.25020.23170.21450.19870.18390.17030.15770.14600.13520.12520.11590.10730.09940.06760.04600.03130.02130.01459%0.91740.84170.77220.70840.64990.59630.54700.50190.46040.42240.38750.35550.32620.29920.27450.25190.23110.21200.19450.17840.16370.15020.13780.12640.11600.10640.09760.08950.08220.07540.04900.03180.02070.01340.008710%0.90910.82640.75130.68300.62090.56450.51320.46650.42410.38550.35050.31860.28970.26330.23940.21760.19780.17990.16350.14860.13510.12280.11170.10150.09230.08390.07630.06930.06300.05730.03560.02210.01370.00851%0.99010.98030.97060.96100.95150.94200.93270.92350.91430.90530.89630.88740.87870.87000.86130.85280.84440.83600.82770.81950.81140.80340.79540.78760.77980.77200.76440.75680.74930.74190.70590.67170.63910.60800.5785i-n，P=1i2%0.98040.96120.94230.92380.90570.88800.87060.85350.83680.82030.80430.78850.77300.75790.74300.72840.71420.70020.68640.67300.65980.64680.63420.62170.60950.59760.58590.57440.56310.55210.50000.45290.41020.37150.33651i3%0.97090.94260.91510.88850.86260.83750.81310.78940.76640.74410.72240.70140.68100.66110.64190.62320.60500.58740.57030.55370.53750.52190.50670.49190.47760.46370.45020.43710.42430.41200.35540.30660.26440.22810.1968S4%0.96150.92460.88900.85480.82190.79030.75990.73070.70260.67560.64960.62460.60060.57750.55530.53390.51340.49360.47460.45640.43880.42200.40570.39010.37510.36070.34680.33350.32070.30830.25340.20830.17120.14070.1157-n5%0.95240.90700.86380.82270.78350.74620.71070.67680.64460.61390.58470.55680.53030.50510.48100.45810.43630.41550.39570.37690.35890.34180.32560.31010.29530.28120.26780.25510.24290.23140.18130.14200.11130.08720.06836%0.94340.89000.83960.79210.74730.70500.66510.62740.59190.55840.52680.49700.46880.44230.41730.39360.37140.35030.33050.31180.29420.27750.26180.24700.23300.21980.20740.19560.18460.17410.13010.09720.07270.05430.04067%0.93460.87340.81630.76290.71300.66630.62270.58200.54390.50830.47510.44400.41500.38780.36240.33870.31660.29590.27650.25840.24150.22570.21090.19710.18420.17220.16090.15040.14060.13140.09370.06680.04760.03390.02428%0.92590.85730.79380.73500.68060.63020.58350.54030.50020.46320.42890.39710.36770.34050.31520.29190.27030.25020.23170.21450.19870.18390.17030.15770.14600.13520.12520.11590.10730.09940.06760.04600.03130.02130.01459%0.91740.84170.77220.70840.64990.59630.54700.50190.46040.42240.38750.35550.32620.29920.27450.25190.23110.21200.19450.17840.16370.15020.13780.12640.11600.10640.09760.08950.08220.07540.04900.03180.02070.01340.008710%0.90910.82640.75130.68300.62090.56450.51320.46650.42410.38550.35050.31860.28970.26330.23940.21760.19780.17990.16350.14860.13510.12280.11170.10150.09230.08390.07630.06930.06300.05730.03560.02210.01370.00850.0053

期数1234567891011121314151617181920212223242526272829303540455055

注：计算公式：复利现值系数=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

439

续表12%0.89290.79720.71180.63550.56740.50660.45230.40390.36060.32200.28750.25670.22920.20460.18270.16310.14560.13000.11610.10370.09260.08260.07380.06590.05880.05250.04690.04190.03740.03340.01890.01070.00610.00350.00071i14%0.87720.76950.67500.59210.51940.45560.39960.35060.30750.26970.23660.20760.18210.15970.14010.12290.10780.09460.08290.07280.06380.05600.04910.04310.03780.03310.02910.02550.02240.01960.01020.00530.00270.00140.0005S15%0.86960.75610.65750.57180.49720.43230.37590.32690.28430.24720.21490.18690.16250.14130.12290.10690.09290.08080.07030.06110.05310.04620.04020.03490.03040.02640.02300.02000.01740.01510.00750.00370.00190.00090.000316%0.86210.74320.64070.55230.47610.41040.35380.30500.26300.22670.19540.16850.14520.12520.10790.09300.08020.06910.05960.05140.04430.03820.03290.02840.02450.02110.01820.01570.01350.01160.00550.00260.00130.00060.000118%0.84750.71820.60860.51580.43710.37040.31390.26600.22550.19110.16190.13720.11630.09850.08350.07080.06000.05080.04310.03650.03090.02620.02220.01880.01600.01350.01150.00970.00820.00700.00300.00130.00060.0003*20%0.83330.69440.57870.48230.40190.33490.27910.23260.19380.16150.13460.11220.09350.07790.06490.05410.04510.03760.03130.02610.02170.01810.01510.01260.01050.00870.00730.00610.00510.00420.00170.00070.00030.0001*24%0.80650.65040.52450.42300.34110.27510.22180.17890.14430.11640.09380.07570.06100.04920.03970.03200.02580.02080.01680.01350.01090.00880.00710.00570.00460.00370.00300.00240.00200.00160.00050.00020.0001**28%0.78130.61040.47680.37250.29100.22740.17760.13880.10840.08470.06620.05170.04040.03160.02470.01930.01500.01180.00920.00720.00560.00440.00340.00270.00210.00160.00130.00100.00080.00060.00020.0001***32%0.75760.57390.43480.32940.24950.18900.14320.10850.08220.06230.04720.03570.02710.02050.01550.01180.00890.00680.00510.00390.00290.00220.00170.00130.00100.00070.00060.00040.00030.00020.0001****36%0.73530.54070.39750.29230.21490.15800.11620.08540.06280.04620.03400.02500.01840.01350.00990.00730.00540.00390.00290.00210.00160.00120.00080.00060.00050.00030.00020.00020.00010.0001****

二、复利现值系数表续表12%0.89290.79720.71180.63550.56740.50660.45230.40390.36060.32200.28750.25670.22920.20460.18270.16310.14560.13000.11610.10370.09260.08260.07380.06590.05880.05250.04690.04190.03740.03340.01890.01070.00610.00350.00071i14%0.87720.76950.67500.59210.51940.45560.39960.35060.30750.26970.23660.20760.18210.15970.14010.12290.10780.09460.08290.07280.06380.05600.04910.04310.03780.03310.02910.02550.02240.01960.01020.00530.00270.00140.0005S15%0.86960.75610.65750.57180.49720.43230.37590.32690.28430.24720.21490.18690.16250.14130.12290.10690.09290.08080.07030.06110.05310.04620.04020.03490.03040.02640.02300.02000.01740.01510.00750.00370.00190.00090.000316%0.86210.74320.64070.55230.47610.41040.35380.30500.26300.22670.19540.16850.14520.12520.10790.09300.08020.06910.05960.05140.04430.03820.03290.02840.02450.02110.01820.01570.01350.01160.00550.00260.00130.00060.000118%0.84750.71820.60860.51580.43710.37040.31390.26600.22550.19110.16190.13720.11630.09850.08350.07080.06000.05080.04310.03650.03090.02620.02220.01880.01600.01350.01150.00970.00820.00700.00300.00130.00060.0003*20%0.83330.69440.57870.48230.40190.33490.27910.23260.19380.16150.13460.11220.09350.07790.06490.05410.04510.03760.03130.02610.02170.01810.01510.01260.01050.00870.00730.00610.00510.00420.00170.00070.00030.0001*24%0.80650.65040.52450.42300.34110.27510.22180.17890.14430.11640.09380.07570.06100.04920.03970.03200.02580.02080.01680.01350.01090.00880.00710.00570.00460.00370.00300.00240.00200.00160.00050.00020.0001**28%0.78130.61040.47680.37250.29100.22740.17760.13880.10840.08470.06620.05170.04040.03160.02470.01930.01500.01180.00920.00720.00560.00440.00340.00270.00210.00160.00130.00100.00080.00060.00020.0001***32%0.75760.57390.43480.32940.24950.18900.14320.10850.08220.06230.04720.03570.02710.02050.01550.01180.00890.00680.00510.00390.00290.00220.00170.00130.00100.00070.00060.00040.00030.00020.0001****36%0.73530.54070.39750.29230.21490.15800.11620.08540.06280.04620.03400.02500.01840.01350.00990.00730.00540.00390.00290.00210.00160.00120.00080.00060.00050.00030.00020.00020.00010.0001****

期数12345678910111213141516171819202122232425262728293035404550550.0020注：*<0.0001计算公式：复利现值系数=1i-n，P=1i-n

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

440

1%1.00002.01003.03014.06045.10106.15207.21358.28579.368510.46211.56712.68313.80914.94716.09717.25818.43019.61520.81122.01923.23924.47225.71626.97428.24329.52630.82132.12933.45034.78548.88664.46381.6701i2%1.00002.02003.06044.12165.20406.30817.43438.58309.754610.95012.16913.41214.68015.97417.29318.63920.01221.41222.84124.29725.78327.29928.84530.42232.03033.67135.34437.05138.79240.56860.40284.579114.05in13%1.00002.03003.09094.18365.30916.46847.66258.892310.15911.46412.80814.19215.61817.08618.59920.15721.76223.41425.11726.87028.67730.53732.45334.42736.45938.55340.71042.93145.21947.57575.401112.80163.05，S=A4%1.00002.04003.12164.24655.41636.63307.89839.214210.58312.00613.48615.02616.62718.29220.02421.82523.69825.64527.67129.77831.96934.24836.61839.08341.64644.31247.08449.96852.96656.08595.026152.67237.99353.581i5%1.00002.05003.15254.31015.52566.80198.14209.549111.02712.57814.20715.91717.71319.59921.57923.65825.84028.13230.53933.06635.71938.50541.43144.50247.72751.11454.66958.40362.32366.439120.80209.35533.13

in16%1.00002.06003.18364.37465.63716.97538.39389.897511.49113.18114.97216.87018.88221.01523.27625.67328.21330.90633.76036.78639.99343.39246.99650.81654.86559.15663.70668.52873.64079.058154.76290.34813.527%1.00002.07003.21494.43995.75077.15338.654010.26011.97813.81615.78417.88920.14122.55125.12927.88830.84033.99937.37940.99644.86549.00653.43658.17763.24968.67774.48480.69887.34794.461199.64406.531253.28%1.00002.08003.24644.50615.86667.33598.922810.63712.48814.48716.64618.97721.49524.21527.15230.32433.75037.45041.44645.76250.42355.45760.89366.76573.10679.95487.35195.339103.97113.28259.06573.771944.89%1.00002.09003.27814.57315.98477.52339.200411.02913.02115.19317.56020.14122.95326.01929.36133.00336.97441.30146.01951.16056.76562.87369.53276.79084.70193.324102.72112.97124.14136.31337.88815.083034.810%1.00002.10003.31004.64106.10517.71569.487211.43613.58015.93718.53121.38424.52327.97531.77335.95040.54545.59951.15957.27564.00371.40379.54388.49798.3471%1.00002.01003.03014.06045.10106.15207.21358.28579.368510.46211.56712.68313.80914.94716.09717.25818.43019.61520.81122.01923.23924.47225.71626.97428.24329.52630.82132.12933.45034.78548.88664.46381.6701i2%1.00002.02003.06044.12165.20406.30817.43438.58309.754610.95012.16913.41214.68015.97417.29318.63920.01221.41222.84124.29725.78327.29928.84530.42232.03033.67135.34437.05138.79240.56860.40284.579114.05in13%1.00002.03003.09094.18365.30916.46847.66258.892310.15911.46412.80814.19215.61817.08618.59920.15721.76223.41425.11726.87028.67730.53732.45334.42736.45938.55340.71042.93145.21947.57575.401112.80163.05，S=A4%1.00002.04003.12164.24655.41636.63307.89839.214210.58312.00613.48615.02616.62718.29220.02421.82523.69825.64527.67129.77831.96934.24836.61839.08341.64644.31247.08449.96852.96656.08595.026152.67237.99353.581i5%1.00002.05003.15254.31015.52566.80198.14209.549111.02712.57814.20715.91717.71319.59921.57923.65825.84028.13230.53933.06635.71938.50541.43144.50247.72751.11454.66958.40362.32366.439120.80209.35533.13

in16%1.00002.06003.18364.37465.63716.97538.39389.897511.49113.18114.97216.87018.88221.01523.27625.67328.21330.90633.76036.78639.99343.39246.99650.81654.86559.15663.70668.52873.64079.058154.76290.34813.527%1.00002.07003.21494.43995.75077.15338.654010.26011.97813.81615.78417.88920.14122.55125.12927.88830.84033.99937.37940.99644.86549.00653.43658.17763.24968.67774.48480.69887.34794.461199.64406.531253.28%1.00002.08003.24644.50615.86667.33598.922810.63712.48814.48716.64618.97721.49524.21527.15230.32433.75037.45041.44645.76250.42355.45760.89366.76573.10679.95487.35195.339103.97113.28259.06573.771944.89%1.00002.09003.27814.57315.98477.52339.200411.02913.02115.19317.56020.14122.95326.01929.36133.00336.97441.30146.01951.16056.76562.87369.53276.79084.70193.324102.72112.97124.14136.31337.88815.083034.810%1.00002.10003.31004.64106.10517.71569.487211.43613.58015.93718.53121.38424.52327.97531.77335.95040.54545.59951.15957.27564.00371.40379.54388.49798.347109.18121.10134.21148.63164.49442.591163.9

期数123456789101112131415161718192021222324252627282930405060

注：计算公式：年金终值系数=

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

441

续表12%1.00002.12003.37444.77936.35288.115210.08912.30014.77617.54920.65524.13328.02932.39337.28042.75348.88455.75063.44072.05281.69992.503104.60118.16133.33150.33169.37190.70214.58241.33767.092400.0292201i14%1.00002.14003.43964.92116.61018.535510.73113.23316.08519.33723.04527.27132.08937.58143.84250.98059.11868.39478.96991.025104.77120.44138.30158.66181.87208.33238.50272.89312.09356.791342.04994.546058in115%1.00002.15003.47254.99346.74248.753711.06713.72716.78620.30424.34929.00234.35240.50547.58055.71865.07575.83688.212102.44118.81137.63159.28184.17212.79245.71283.57327.10377.17434.751779.17217.7114190，S=A16%1.00002.16003.50565.06656.87718.977511.41414.24017.51921.32225.73330.85036.78643.67251.66060.92571.67384.14198.603115.38134.84157.42183.60213.98249.21290.09337.50392.50456.30530.312360.8104362817331i18%1.00002.18003.57245.21547.15429.442012.14215.32719.08623.52128.75534.93142.21950.81860.96572.93987.068103.74123.41146.63174.02206.34244.49289.49342.60405.27479.22566.48669.45790.954163.221813*in120%1.00002.20003.64005.36807.44169.929912.91616.49920.79925.95932.15039.58148.49759.19672.03587.442105.93128.12154.74186.69225.03271.03326.24392.48471.98567.38681.85819.22984.071181.97343.945497*24%1.00002.24003.77765.68428.048410.98014.61519.12324.71331.64340.23850.89564.11080.496100.82126.01157.25195.99244.03303.60377.46469.06582.63723.46898.091114.61383.11716.12129.02640.922729195373*28%1.00002.28003.91846.01568.699912.13616.53422.16329.36938.59350.39965.51084.853109.61141.30181.87233.79300.25385.32494.21633.59812.001040.41332.71706.82185.72798.73583.34587.75873.269377819103*32%1.00002.32004.06246.36249.398313.40618.69625.67834.89547.06263.12284.320112.30149.24198.00262.36347.31459.45607.47802.861060.81401.21850.62443.83226.84260.45624.87425.79802.912941207874*36%1.00002.36004.20966.725110.14614.79921.12629.73241.43557.35278.998108.44148.48202.93276.98377.69514.66700.94954.281298.81767.42404.73271.34450.06053.08233.111198152302071428172609890*

三续表12%1.00002.12003.37444.77936.35288.115210.08912.30014.77617.54920.65524.13328.02932.39337.28042.75348.88455.75063.44072.05281.69992.503104.60118.16133.33150.33169.37190.70214.58241.33767.092400.0292201i14%1.00002.14003.43964.92116.61018.535510.73113.23316.08519.33723.04527.27132.08937.58143.84250.98059.11868.39478.96991.025104.77120.44138.30158.66181.87208.33238.50272.89312.09356.791342.04994.546058in115%1.00002.15003.47254.99346.74248.753711.06713.72716.78620.30424.34929.00234.35240.50547.58055.71865.07575.83688.212102.44118.81137.63159.28184.17212.79245.71283.57327.10377.17434.751779.17217.7114190，S=A16%1.00002.16003.50565.06656.87718.977511.41414.24017.51921.32225.73330.85036.78643.67251.66060.92571.67384.14198.603115.38134.84157.42183.60213.98249.21290.09337.50392.50456.30530.312360.8104362817331i18%1.00002.18003.57245.21547.15429.442012.14215.32719.08623.52128.75534.93142.21950.81860.96572.93987.068103.74123.41146.63174.02206.34244.49289.49342.60405.27479.22566.48669.45790.954163.221813*in120%1.00002.20003.64005.36807.44169.929912.91616.49920.79925.95932.15039.58148.49759.19672.03587.442105.93128.12154.74186.69225.03271.03326.24392.48471.98567.38681.85819.22984.071181.97343.945497*24%1.00002.24003.77765.68428.048410.98014.61519.12324.71331.64340.23850.89564.11080.496100.82126.01157.25195.99244.03303.60377.46469.06582.63723.46898.091114.61383.11716.12129.02640.922729195373*28%1.00002.28003.91846.01568.699912.13616.53422.16329.36938.59350.39965.51084.853109.61141.30181.87233.79300.25385.32494.21633.59812.001040.41332.71706.82185.72798.73583.34587.75873.269377819103*32%1.00002.32004.06246.36249.398313.40618.69625.67834.89547.06263.12284.320112.30149.24198.00262.36347.31459.45607.47802.861060.81401.21850.62443.83226.84260.45624.87425.79802.912941207874*36%1.00002.36004.20966.725110.14614.79921.12629.73241.43557.35278.998108.44148.48202.93276.98377.69514.66700.94954.281298.81767.42404.73271.34450.06053.08233.111198152302071428172609890*

期数1234567891011121314151617181920212223242526272829304050607471.618535注：*>999999.99

计算公式：年金终值系数=

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

442

1%0.99011.97042.94103.90204.85345.79556.72827.65178.56609.471310.367611.255112.133713.003713.865114.717915.562316.398317.226018.045618.857019.660420.455821.243422.023222.795223.559624.316425.065825.807729.408632.834736.094539.196142.14721i2%0.98041.94162.88393.80774.71355.60146.47207.32558.16228.98269.786810.575311.348412.106212.849313.577714.291914.992015.678516.351417.011217.658018.292218.913919.523520.121020.706921.281321.844422.396524.998627.355529.490231.423633.1748i-n3%0.97091.91352.82863.71714.57975.41726.23037.01977.78618.53029.25269.954010.635011.296111.937912.561113.166113.753514.323814.877515.415015.936916.443616.935517.413117.876818.327018.764119.188519.600421.487223.114824.518725.729826.7744，P=A4%0.96151.88612.77513.62994.45185.24216.00216.73277.43538.11098.76059.38519.985610.563111.118411.652312.165712.659313.133913.590314.029214.451114.856815.247015.622115.982816.329616.663116.983717.292018.664619.792820.720021.482222.108611i5%0.95241.85942.72323.54604.32955.07575.78646.46327.10787.72178.30648.86339.39369.898610.379710.837811.274111.689612.085312.462212.821213.163013.488613.798614.093914.375214.643014.898115.141115.372516.374217.159117.774118.255918.6335i-n6%0.94341.83342.67303.46514.21244.91735.58246.20986.80177.36017.88698.38388.85279.29509.712210.105910.477310.827611.158111.469911.764112.041612.303412.550412.783413.003213.210513.406213.590713.764814.498215.046315.455815.761915.99057%0.93461.80802.62433.38724.10024.76655.38935.97136.51527.02367.49877.94278.35778.74559.10799.44669.763210.059110.335610.594010.835511.061211.272211.469311.653611.825811.986712.137112.277712.409012.947713.331713.605513.800713.93998%0.92591.78332.57713.31213.99274.62295.20645.74666.24696.71017.13907.53617.90388.24428.55958.85149.12169.37199.60369.818110