复利年金现值系数表

复利现值系数表（PVIF表）

n 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

1% 0.99 0.98 0.97 0.96 0.951 0.942 0.932 0.923 0.914 0.905 0.896 0.887 0.878 0.869 0.861 0.852

2% 0.98 0.961 0.942 0.923 0.905 0.887 0.87 0.853 0.836 0.82 0.804 0.788 0.773 0.757 0.743 0.728

3% 0.97 0.942 0.915 0.888 0.862 0.837 0.813 0.789 0.766 0.744 0.722 0.701 0.68 0.661 0.641 0.623

4% 0.961 0.924 0.888 0.854 0.821 0.79 0.759 0.73 0.702 0.675 0.649 0.624 0.6 0.577 0.555 0.533

5% 0.952 0.907 0.863 0.822 0.783 0.746 0.71 0.676 0.644 0.613 0.584 0.556 0.53 0.505 0.481 0.458

6% 0.943 0.889 0.839 0.792 0.747 0.704 0.665 0.627 0.591 0.558 0.526 0.496 0.468 0.442 0.417 0.393

8% 0.925 0.857 0.793 0.735 0.68 0.63 0.583 0.54 0.5 0.463 0.428 0.397 0.367 0.34 0.315 0.291

10% 0.909 0.826 0.751 0.683 0.62 0.564 0.513 0.466 0.424 0.385 0.35 0.318 0.289 0.263 0.239 0.217

12% 0.892 0.797 0.711 0.635 0.567 0.506 0.452 0.403 0.36 0.321 0.287 0.256 0.229 0.204 0.182 0.163

14% 0.877 0.769 0.674 0.592 0.519 0.455 0.399 0.35 0.307 0.269 0.236 0.207 0.182 0.159 0.14 0.122

15% 0.869 0.756 0.657 0.571 0.497 0.432 0.375 0.326 0.284 0.247 0.214 0.186 0.162 0.141 0.122 0.106

16% 0.862 0.743 0.64 0.552 0.476 0.41 0.353 0.305 0.262 0.226 0.195 0.168 0.145 0.125 0.107 0.093

18% 0.847 0.718 0.608 0.515 0.437 0.37 0.313 0.266 0.225 0.191 0.161 0.137 0.116 0.098 0.083 0.07

20% 0.833 0.694 0.578 0.482 0.401 0.334 0.279 0.232 0.193 0.161 0.134 0.112 0.093 0.077 0.064 0.054

25% 0.8 0.64 0.512 0.409 0.327 0.262 0.209 0.167 0.134 0.107 0.085 0.068 0.054 0.043 0.035 0.028

30% 0.769 0.591 0.455 0.35 0.269 0.207 0.159 0.122 0.094 0.072 0.055 0.042 0.033 0.025 0.019 0.015

35% 0.74 0.548 0.406 0.301 0.223 0.165 0.122 0.09 0.067 0.049 0.036 0.027 0.02 0.014 0.011 0.008

40% 0.714 0.51 0.364 0.26 0.185 0.132 0.094 0.067 0.048 0.034 0.024 0.017 0.012 0.008 0.006 0.004

50% 0.666 0.444 0.296 0.197 0.131 0.087 0.058 0.039 0.026 0.017 0.011 0.007 0.005 0.003 0.002 0.001

17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

0.844 0.836 0.827 0.819 0.811 0.803 0.795 0.787 0.779 0.772 0.764 0.756 0.749 0.741 0.734 0.727 0.72 0.712 0.705

0.714 0.7 0.686 0.672 0.659 0.646 0.634 0.621 0.609 0.597 0.585 0.574 0.563 0.552 0.541 0.53 0.52 0.51 0.5

0.605 0.587 0.57 0.553 0.537 0.521 0.506 0.491 0.477 0.463 0.45 0.437 0.424 0.411 0.399 0.388 0.377 0.366 0.355

0.513 0.493 0.474 0.456 0.438 0.421 0.405 0.39 0.375 0.36 0.346 0.333 0.32 0.308 0.296 0.285 0.274 0.263 0.253

0.436 0.415 0.395 0.376 0.358 0.341 0.325 0.31 0.295 0.281 0.267 0.255 0.242 0.231 0.22 0.209 0.199 0.19 0.181

0.371 0.35 0.33 0.311 0.294 0.277 0.261 0.246 0.232 0.219 0.207 0.195 0.184 0.174 0.164 0.154 0.146 0.137 0.13

0.27 0.25 0.231 0.214 0.198 0.183 0.17 0.157 0.146 0.135 0.125 0.115 0.107 0.099 0.092 0.085 0.078 0.073 0.067

0.197 0.179 0.163 0.148 0.135 0.122 0.111 0.101 0.092 0.083 0.076 0.069 0.063 0.057 0.052 0.047 0.043 0.039 0.035

0.145 0.13 0.116 0.103 0.092 0.082 0.073 0.065 0.058 0.052 0.046 0.041 0.037 0.033 0.029 0.026 0.023 0.021 0.018

0.107 0.094 0.082 0.072 0.063 0.055 0.049 0.043 0.037 0.033 0.029 0.025 0.022 0.019 0.017 0.015 0.013 0.011 0.01

0.092 0.08 0.07 0.061 0.053 0.046 0.04 0.034 0.03 0.026 0.022 0.019 0.017 0.015 0.013 0.011 0.009 0.008 0.007

0.08 0.069 0.059 0.051 0.044 0.038 0.032 0.028 0.024 0.021 0.018 0.015 0.013 0.011 0.01 0.008 0.007 0.006 0.005

0.059 0.05 0.043 0.036 0.03 0.026 0.022 0.018 0.015 0.013 0.011 0.009 0.008 0.006 0.005 0.005 0.004 0.003 0.003

0.045 0.037 0.031 0.026 0.021 0.018 0.015 0.012 0.01 0.008 0.007 0.006 0.005 0.004 0.003 0.002 0.002 0.002 0.001

0.022 0.018 0.014 0.011 0.009 0.007 0.005 0.004 0.003 0.003 0.002 0.001 0.001 0.001 0 0 0 0 0

0.011 0.008 0.006 0.005 0.004 0.003 0.002 0.001 0.001 0.001 0 0 0 0 0 0 0 0 0

0.006 0.004 0.003 0.002 0.001 0.001 0.001 0 0 0 0 0 0 0 0 0 0 0 0

0.003 0.002 0.001 0.001 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.001 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

0.698 0.692 0.685 0.678 0.671 0.665 0.658 0.651 0.645 0.639 0.632 0.626 0.62 0.614 0.608

0.49 0.48 0.471 0.461 0.452 0.444 0.435 0.426 0.418 0.41 0.402 0.394 0.386 0.378 0.371

0.345 0.334 0.325 0.315 0.306 0.297 0.288 0.28 0.272 0.264 0.256 0.249 0.241 0.234 0.228

0.243 0.234 0.225 0.216 0.208 0.2 0.192 0.185 0.178 0.171 0.164 0.158 0.152 0.146 0.14

0.172 0.164 0.156 0.149 0.142 0.135 0.128 0.122 0.116 0.111 0.105 0.1 0.096 0.091 0.087

0.122 0.115 0.109 0.103 0.097 0.091 0.086 0.081 0.077 0.072 0.068 0.064 0.06 0.057 0.054

0.062 0.057 0.053 0.049 0.046 0.042 0.039 0.036 0.033 0.031 0.029 0.026 0.024 0.023 0.021

0.032 0.029 0.026 0.024 0.022 0.02 0.018 0.016 0.015 0.013 0.012 0.011 0.01 0.009 0.008

0.016 0.015 0.013 0.012 0.01 0.009 0.008 0.007 0.006 0.006 0.005 0.004 0.004 0.003 0.003

0.008 0.007 0.006 0.006 0.005 0.004 0.004 0.003 0.003 0.002 0.002 0.002 0.001 0.001 0.001

0.006 0.005 0.004 0.004 0.003 0.003 0.002 0.002 0.002 0.001 0.001 0.001 0.001 0.001 0

0.004 0.004 0.003 0.003 0.002 0.002 0.001 0.001 0.001 0.001 0.001 0 0 0 0

0.002 0.002 0.001 0.001 0.001 0.001 0 0 0 0 0 0 0 0 0

0.001 0.001 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

年金现值系数表（PVIFA表）

n 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

1% 0.99 1.97 2.94 3.901 4.853 5.795 6.728 7.651 8.566 9.471 10.367 11.255 12.133 13.003 13.865 14.717 15.562

2% 0.98 1.941 2.883 3.807 4.713 5.601 6.471 7.325 8.162 8.982 9.786 10.575 11.348 12.106 12.849 13.577 14.291

3% 0.97 1.913 2.828 3.717 4.579 5.417 6.23 7.019 7.786 8.53 9.252 9.954 10.634 11.296 11.937 12.561 13.166

4% 0.961 1.886 2.775 3.629 4.451 5.242 6.002 6.732 7.435 8.11 8.76 9.385 9.985 10.563 11.118 11.652 12.165

5% 0.952 1.859 2.723 3.545 4.329 5.075 5.786 6.463 7.107 7.721 8.306 8.863 9.393 9.898 10.379 10.837 11.274

6% 0.943 1.833 2.673 3.465 4.212 4.917 5.582 6.209 6.801 7.36 7.886 8.383 8.852 9.294 9.712 10.105 10.477

8% 0.925 1.783 2.577 3.312 3.992 4.622 5.206 5.746 6.246 6.71 7.138 7.536 7.903 8.244 8.559 8.851 9.121

10% 0.909 1.735 2.486 3.169 3.79 4.355 4.868 5.334 5.759 6.144 6.495 6.813 7.103 7.366 7.606 7.823 8.021

12% 0.892 1.69 2.401 3.037 3.604 4.111 4.563 4.967 5.328 5.65 5.937 6.194 6.423 6.628 6.81 6.973 7.119

14% 0.877 1.646 2.321 2.913 3.433 3.888 4.288 4.638 4.946 5.216 5.452 5.66 5.842 6.002 6.142 6.265 6.372

15% 0.869 1.625 2.283 2.854 3.352 3.784 4.16 4.487 4.771 5.018 5.233 5.42 5.583 5.724 5.847 5.954 6.047

16% 0.862 1.605 2.245 2.798 3.274 3.684 4.038 4.343 4.606 4.833 5.028 5.197 5.342 5.467 5.575 5.668 5.748

18% 0.847 1.565 2.174 2.69 3.127 3.497 3.811 4.077 4.303 4.494 4.656 4.793 4.909 5.008 5.091 5.162 5.222

20% 0.833 1.527 2.106 2.588 2.99 3.325 3.604 3.837 4.03 4.192 4.327 4.439 4.532 4.61 4.675 4.729 4.774

22% 0.819 1.491 2.042 2.493 2.863 3.166 3.415 3.619 3.786 3.923 4.035 4.127 4.202 4.264 4.315 4.356 4.39

24% 0.806 1.456 1.981 2.404 2.745 3.02 3.242 3.421 3.565 3.681 3.775 3.851 3.912 3.961 4.001 4.033 4.059

25% 0.799 1.44 1.952 2.361 2.689 2.951 3.161 3.328 3.463 3.57 3.656 3.725 3.78 3.824 3.859 3.887 3.909

30% 0.769 1.36 1.816 2.166 2.435 2.642 2.802 2.924 3.019 3.091 3.147 3.19 3.223 3.248 3.268 3.283 3.294

35% 0.74 1.289 1.695 1.996 2.219 2.385 2.507 2.598 2.665 2.715 2.751 2.779 2.799 2.814 2.825 2.833 2.839

40% 0.714 1.224 1.588 1.849 2.035 2.167 2.262 2.33 2.378 2.413 2.438 2.455 2.468 2.477 2.483 2.488 2.491

45% 0.689 1.165 1.493 1.719 1.875 1.983 2.057 2.108 2.143 2.168 2.184 2.196 2.204 2.209 2.213 2.216 2.218

50% 0.666 1.111 1.407 1.604 1.736 1.824 1.882 1.921 1.947 1.965 1.976 1.984 1.989 1.993 1.995 1.996 1.997

18 19 20 21 22 23 24 25 26 27 28 29 30 40 50

16.398 17.226 18.045 18.856 19.66 20.455 21.243 22.023 22.795 23.559 24.316 25.065 25.807 32.834 39.196

14.992 15.678 16.351 17.011 17.658 18.292 18.913 19.523 20.121 20.706 21.281 21.844 22.396 27.355 31.423

13.753 14.323 14.877 15.415 15.936 16.443 16.935 17.413 17.876 18.327 18.764 19.188 19.6 23.114 25.729

12.659 13.133 13.59 14.029 14.451 14.856 15.246 15.622 15.982 16.329 16.663 16.983 17.292 19.792 21.482

11.689 12.085 12.462 12.821 13.163 13.488 13.798 14.093 14.375 14.643 14.898 15.141 15.372 17.159 18.255

10.827 11.158 11.469 11.764 12.041 12.303 12.55 12.783 13.003 13.21 13.406 13.59 13.764 15.046 15.761

9.371 9.603 9.818 10.016 10.2 10.371 10.528 10.674 10.809 10.935 11.051 11.158 11.257 11.924 12.233

8.201 8.364 8.513 8.648 8.771 8.883 8.984 9.077 9.16 9.237 9.306 9.369 9.426 9.779 9.914

7.249 7.365 7.469 7.562 7.644 7.718 7.784 7.843 7.895 7.942 7.984 8.021 8.055 8.243 8.304

6.467 6.55 6.623 6.686 6.742 6.792 6.835 6.872 6.906 6.935 6.96 6.983 7.002 7.105 7.132

6.127 6.198 6.259 6.312 6.358 6.398 6.433 6.464 6.49 6.513 6.533 6.55 6.565 6.641 6.66

5.817 5.877 5.928 5.973 6.011 6.044 6.072 6.097 6.118 6.136 6.152 6.165 6.177 6.233 6.246

5.273 5.316 5.352 5.383 5.409 5.432 5.45 5.466 5.48 5.491 5.501 5.509 5.516 5.548 5.554

4.812 4.843 4.869 4.891 4.909 4.924 4.937 4.947 4.956 4.963 4.969 4.974 4.978 4.996 4.999

4.418 4.441 4.46 4.475 4.488 4.498 4.507 4.513 4.519 4.524 4.528 4.531 4.533 4.543 4.545

4.079 4.096 4.11 4.121 4.129 4.137 4.142 4.147 4.151 4.154 4.156 4.158 4.16 4.165 4.166

3.927 3.942 3.953 3.963 3.97 3.976 3.981 3.984 3.987 3.99 3.992 3.993 3.995 3.999 3.999

3.303 3.31 3.315 3.319 3.322 3.325 3.327 3.328 3.329 3.33 3.331 3.331 3.332 3.333 3.333

2.844 2.847 2.85 2.851 2.853 2.854 2.855 2.855 2.855 2.856 2.856 2.856 2.856 2.857 2.857

2.494 2.495 2.497 2.497 2.498 2.498 2.499 2.499 2.499 2.499 2.499 2.499 2.499 2.499 2.499

2.219 2.22 2.22 2.221 2.221 2.221 2.221 2.222 2.222 2.222 2.222 2.222 2.222 2.222 2.222

1.998 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999 1.999