年金现值系数和复利现值系数表

复利现值系数表（PVIF表）,,,,,,,,,,,,,,,,,,,,,,

n,1%,2%,3%,4%,5%,6%,8%,10%,12%,14%,15%,16%,18%,20%,25%,30%,35%,40%,50%,,,

1,0.99,0.98,0.97,0.961,0.952,0.943,0.925,0.909,0.892,0.877,0.869,0.862,0.847,0.833,0.8,0.769,0.74,0.714,0.666,,,

2,0.98,0.961,0.942,0.924,0.907,0.889,0.857,0.826,0.797,0.769,0.756,0.743,0.718,0.694,0.64,0.591,0.548,0.51,0.444,,,

3,0.97,0.942,0.915,0.888,0.863,0.839,0.793,0.751,0.711,0.674,0.657,0.64,0.608,0.578,0.512,0.455,0.406,0.364,0.296,,,

4,0.96,0.923,0.888,0.854,0.822,0.792,0.735,0.683,0.635,0.592,0.571,0.552,0.515,0.482,0.409,0.35,0.301,0.26,0.197,,,

5,0.951,0.905,0.862,0.821,0.783,0.747,0.68,0.62,0.567,0.519,0.497,0.476,0.437,0.401,0.327,0.269,0.223,0.185,0.131,,,

6,0.942,0.887,0.837,0.79,0.746,0.704,0.63,0.564,0.506,0.455,0.432,0.41,0.37,0.334,0.262,0.207,0.165,0.132,0.087,,,

7,0.932,0.87,0.813,0.759,0.71,0.665,0.583,0.513,0.452,0.399,0.375,0.353,0.313,0.279,0.209,0.159,0.122,0.094,0.058,,,

8,0.923,0.853,0.789,0.73,0.676,0.627,0.54,0.466,0.403,0.35,0.326,0.305,0.266,0.232,0.167,0.122,0.09,0.067,0.039,,,

9,0.914,0.836,0.766,0.702,0.644,0.591,0.5,0.424,0.36,0.307,0.284,0.262,0.225,0.193,0.134,0.094,0.067,0.048,0.026,,,

10,0.905,0.82,0.744,0.675,0.613,0.558,0.463,0.385,0.321,0.269,0.247,0.226,0.191,0.161,0.107,0.072,0.049,0.034,0.017,,,

11,0.896,0.804,0.722,0.649,0.584,0.526,0.428,0.35,0.287,0.236,0.214,0.195,0.161,0.134,0.085,0.055,0.036,0.024,0.011,,,

12,0.887,0.788,0.701,0.624,0.556,0.496,0.397,0.318,0.256,0.207,0.186,0.168,0.137,0.112,0.068,0.042,0.027,0.017,0.007,,,

13,0.878,0.773,0.68,0.6,0.53,0.468,0.367,0.289,0.229,0.182,0.162,0.145,0.116,0.093,0.054,0.033,0.02,0.012,0.005,,,

14,0.869,0.757,0.661,0.577,0.505,0.442,0.34,0.263,0.204,0.159,0.141,0.125,0.098,0.077,0.043,0.025,0.014,0.008,0.003,,,

15,0.861,0.743,0.641,0.555,0.481,0.417,0.315,0.239,0.182,0.14,0.122,0.107,0.083,0.064,0.035,0.019,0.011,0.006,0.002,,,

16,0.852,0.728,0.623,0.533,0.458,0.393,0.291,0.217,0.163,0.122,0.106,0.093,0.07,0.054,0.028,0.015,0.008,0.004,0.001,,,

17,0.844,0.714,0.605,0.513,0.436,0.371,0.27,0.197,0.145,0.107,0.092,0.08,0.059,0.045,0.022,0.011,0.006,0.003,0.001,,,

18,0.836,0.7,0.587,0.493,0.415,0.35,0.25,0.179,0.13,0.094,0.08,0.069,0.05,0.037,0.018,0.008,0.004,0.002,0,,,

19,0.827,0.686,0.57,0.474,0.395,0.33,0.231,0.163,0.116,0.082,0.07,0.059,0.043,0.031,0.014,0.006,0.003,0.001,0,,,

20,0.819,0.672,0.553,0.456,0.376,0.311,0.214,0.148,0.103,0.072,0.061,0.051,0.036,0.026,0.011,0.005,0.002,0.001,0,,,

21,0.811,0.659,0.537,0.438,0.358,0.294,0.198,0.135,0.092,0.063,0.053,0.044,0.03,0.021,0.009,0.004,0.001,0,0,,,

22,0.803,0.646,0.521,0.421,0.341,0.277,0.183,0.122,0.082,0.055,0.046,0.038,0.026,0.018,0.007,0.003,0.001,0,0,,,

23,0.795,0.634,0.506,0.405,0.325,0.261,0.17,0.111,0.073,0.049,0.04,0.032,0.022,0.015,0.005,0.002,0.001,0,0,,,

24,0.787,0.621,0.491,0.39,0.31,0.246,0.157,0.101,0.065,0.043,0.034,0.028,0.018,0.012,0.004,0.001,0,0,0,,,

25,0.779,0.609,0.477,0.375,0.295,0.232,0.146,0.092,0.058,0.037,0.03,0.024,0.015,0.01,0.003,0.001,0,0,0,,,

26,0.772,0.597,0.463,0.36,0.281,0.219,0.135,0.083,0.052,0.033,0.026,0.021,0.013,0.008,0.003,0.001,0,0,0,,,

27,0.764,0.585,0.45,0.346,0.267,0.207,0.125,0.076,0.046,0.029,0.022,0.018,0.011,0.007,0.002,0,0,0,0,,,

28,0.756,0.574,0.437,0.333,0.255,0.195,0.115,0.069,0.041,0.025,0.019,0.015,0.009,0.006,0.001,0,0,0,0,,,

29,0.749,0.563,0.424,0.32,0.242,0.184,0.107,0.063,0.037,0.022,0.017,0.013,0.008,0.005,0.001,0,0,0,0,,,

30,0.741,0.552,0.411,0.308,0.231,0.174,0.099,0.057,0.033,0.019,0.015,0.011,0.006,0.004,0.001,0,0,0,0,,,

31,0.734,0.541,0.399,0.296,0.22,0.164,0.092,0.052,0.029,0.017,0.013,0.01,0.005,0.003,0,0,0,0,0,,,

32,0.727,0.53,0.388,0.285,0.209,0.154,0.085,0.047,0.026,0.015,0.011,0.008,0.005,0.002,0,0,0,0,0,,,

33,0.72,0.52,0.377,0.274,0.199,0.146,0.078,0.043,0.023,0.013,0.009,0.007,0.004,0.002,0,0,0,0,0,,,

34,0.712,0.51,0.366,0.263,0.19,0.137,0.073,0.039,0.021,0.011,0.008,0.006,0.003,0.002,0,0,0,0,0,,,

35,0.705,0.5,0.355,0.253,0.181,0.13,0.067,0.035,0.018,0.01,0.007,0.005,0.003,0.001,0,0,0,0,0,,,

36,0.698,0.49,0.345,0.243,0.172,0.122,0.062,0.032,0.016,0.008,0.006,0.004,0.002,0.001,0,0,0,0,0,,,

37,0.692,0.48,0.334,0.234,0.164,0.115,0.057,0.029,0.015,0.007,0.005,0.004,0.002,0.001,0,0,0,0,0,,,

38,0.685,0.471,0.325,0.225,0.156,0.109,0.053,0.026,0.013,0.006,0.004,0.003,0.001,0,0,0,0,0,0,,,

39,0.678,0.461,0.315,0.216,0.149,0.103,0.049,0.024,0.012,0.006,0.004,0.003,0.001,0,0,0,0,0,0,,,

40,0.671,0.452,0.306,0.208,0.142,0.097,0.046,0.022,0.01,0.005,0.003,0.002,0.001,0,0,0,0,0,0,,,

41,0.665,0.444,0.297,0.2,0.135,0.091,0.042,0.02,0.009,0.004,0.003,0.002,0.001,0,0,0,0,0,0,,,

42,0.658,0.435,0.288,0.192,0.128,0.086,0.039,0.018,0.008,0.004,0.002,0.001,0,0,0,0,0,0,0,,,

43,0.651,0.426,0.28,0.185,0.122,0.081,0.036,0.016,0.007,0.003,0.002,0.001,0,0,0,0,0,0,0,,,

44,0.645,0.418,0.272,0.178,0.116,0.077,0.033,0.015,0.006,0.003,0.002,0.001,0,0,0,0,0,0,0,,,

45,0.639,0.41,0.264,0.171,0.111,0.072,0.031,0.013,0.006,0.002,0.001,0.001,0,0,0,0,0,0,0,,,

46,0.632,0.402,0.256,0.164,0.105,0.068,0.029,0.012,0.005,0.002,0.001,0.001,0,0,0,0,0,0,0,,,

47,0.626,0.394,0.249,0.158,0.1,0.064,0.026,0.011,0.004,0.002,0.001,0,0,0,0,0,0,0,0,,,

48,0.62,0.386,0.241,0.152,0.096,0.06,0.024,0.01,0.004,0.001,0.001,0,0,0,0,0,0,0,0,,,

49,0.614,0.378,0.234,0.146,0.091,0.057,0.023,0.009,0.003,0.001,0.001,0,0,0,0,0,0,0,0,,,

50,0.608,0.371,0.228,0.14,0.087,0.054,0.021,0.008,0.003,0.001,0,0,0,0,0,0,0,0,0,,,

年金现值系数,,,,,,,,,,,,,,,,,,,,,,

n,1%,2%,3%,4%,5%,6%,8%,10%,12%,14%,15%,16%,18%,20%,22%,24%,25%,30%,35%,40%,45%,50%

1,0.99,0.98,0.97,0.961,0.952,0.943,0.925,0.909,0.892,0.877,0.869,0.862,0.847,0.833,0.819,0.806,0.799,0.769,0.74,0.714,0.689,0.666

2,1.97,1.941,1.913,1.886,1.859,1.833,1.783,1.735,1.69,1.646,1.625,1.605,1.565,1.527,1.491,1.456,1.44,1.36,1.289,1.224,1.165,1.111

3,2.94,2.883,2.828,2.775,2.723,2.673,2.577,2.486,2.401,2.321,2.283,2.245,2.174,2.106,2.042,1.981,1.952,1.816,1.695,1.588,1.493,1.407

4,3.901,3.807,3.717,3.629,3.545,3.465,3.312,3.169,3.037,2.913,2.854,2.798,2.69,2.588,2.493,2.404,2.361,2.166,1.996,1.849,1.719,1.604

5,4.853,4.713,4.579,4.451,4.329,4.212,3.992,3.79,3.604,3.433,3.352,3.274,3.127,2.99,2.863,2.745,2.689,2.435,2.219,2.035,1.875,1.736

6,5.795,5.601,5.417,5.242,5.075,4.917,4.622,4.355,4.111,3.888,3.784,3.684,3.497,3.325,3.166,3.02,2.951,2.642,2.385,2.167,1.983,1.824

7,6.728,6.471,6.23,6.002,5.786,5.582,5.206,4.868,4.563,4.288,4.16,4.038,3.811,3.604,3.415,3.242,3.161,2.802,2.507,2.262,2.057,1.882

8,7.651,7.325,7.019,6.732,6.463,6.209,5.746,5.334,4.967,4.638,4.487,4.343,4.077,3.837,3.619,3.421,3.328,2.924,2.598,2.33,2.108,1.921

9,8.566,8.162,7.786,7.435,7.107,6.801,6.246,5.759,5.328,4.946,4.771,4.606,4.303,4.03,3.786,3.565,3.463,3.019,2.665,2.378,2.143,1.947

10,9.471,8.982,8.53,8.11,7.721,7.36,6.71,6.144,5.65,5.216,5.018,4.833,4.494,4.192,3.923,3.681,3.57,3.091,2.715,2.413,2.168,1.965

11,10.367,9.786,9.252,8.76,8.306,7.886,7.138,6.495,5.937,5.452,5.233,5.028,4.656,4.327,4.035,3.775,3.656,3.147,2.751,2.438,2.184,1.976

12,11.255,10.575,9.954,9.385,8.863,8.383,7.536,6.813,6.194,5.66,5.42,5.197,4.793,4.439,4.127,3.851,3.725,3.19,2.779,2.455,2.196,1.984

13,12.133,11.348,10.634,9.985,9.393,8.852,7.903,7.103,6.423,5.842,5.583,5.342,4.909,4.532,4.202,3.912,3.78,3.223,2.799,2.468,2.204,1.989

14,13.003,12.106,11.296,10.563,9.898,9.294,8.244,7.366,6.628,6.002,5.724,5.467,5.008,4.61,4.264,3.961,3.824,3.248,2.814,2.477,2.209,1.993

15,13.865,12.849,11.937,11.118,10.379,9.712,8.559,7.606,6.81,6.142,5.847,5.575,5.091,4.675,4.315,4.001,3.859,3.268,2.825,2.483,2.213,1.995

16,14.717,13.577,12.561,11.652,10.837,10.105,8.851,7.823,6.973,6.265,5.954,5.668,5.162,4.729,4.356,4.033,3.887,3.283,2.833,2.488,2.216,1.996

17,15.562,14.291,13.166,12.165,11.274,10.477,9.121,8.021,7.119,6.372,6.047,5.748,5.222,4.774,4.39,4.059,3.909,3.294,2.839,2.491,2.218,1.997

18,16.398,14.992,13.753,12.659,11.689,10.827,9.371,8.201,7.249,6.467,6.127,5.817,5.273,4.812,4.418,4.079,3.927,3.303,2.844,2.494,2.219,1.998

19,17.226,15.678,14.323,13.133,12.085,11.158,9.603,8.364,7.365,6.55,6.198,5.877,5.316,4.843,4.441,4.096,3.942,3.31,2.847,2.495,2.22,1.999

20,18.045,16.351,14.877,13.59,12.462,11.469,9.818,8.513,7.469,6.623,6.259,5.928,5.352,4.869,4.46,4.11,3.953,3.315,2.85,2.497,2.22,1.999

21,18.856,17.011,15.415,14.029,12.821,11.764,10.016,8.648,7.562,6.686,6.312,5.973,5.383,4.891,4.475,4.121,3.963,3.319,2.851,2.497,2.221,1.999

22,19.66,17.658,15.936,14.451,13.163,12.041,10.2,8.771,7.644,6.742,6.358,6.011,5.409,4.909,4.488,4.129,3.97,3.322,2.853,2.498,2.221,1.999

23,20.455,18.292,16.443,14.856,13.488,12.303,10.371,8.883,7.718,6.792,6.398,6.044,5.432,4.924,4.498,4.137,3.976,3.325,2.854,2.498,2.221,1.999

24,21.243,18.913,16.935,15.246,13.798,12.55,10.528,8.984,7.784,6.835,6.433,6.072,5.45,4.937,4.507,4.142,3.981,3.327,2.855,2.499,2.221,1.999

25,22.023,19.523,17.413,15.622,14.093,12.783,10.674,9.077,7.843,6.872,6.464,6.097,5.466,4.947,4.513,4.147,3.984,3.328,2.855,2.499,2.222,