年金现值、年金终值、复利现值、复利终值系数表

.. . . ..
年金现值
期数 1%
1
2
3
4
5

6
7
8
9

2% 3% 4% 5% 6% 7% 8% 9% 10%
0.9901 0.9804 0.9709 0.9615 0.9524 0.9434 0.9346 0.9259 0.9174 0.9091
1.9704 1.9416 1.9135 1.8861 1.8594 1.8334 1.808
2.941
3.902

2.8839 2.8286 2.7751 2.7232 2.673
3.8077 3.7171 3.6299 3.546

1.7833 1.7591 1.7355
2.6243 2.5771 2.5313 2.4869
3.4651 3.3872 3.3121 3.2397 3.1699

4.8684
4.8534 4.7135 4.5797 4.4518 4.3295 4.2124 4.1002 3.9927 3.8897 3.7908
5.7955 5.6014 5.4172 5.2421 5.0757 4.9173 4.7665 4.6229 4.4859 4.3553
6.7282 6.472
8.566

6.2303 6.0021 5.7864 5.5824 5.3893 5.2064 5.033
7.6517 7.3255 7.0197 6.7327 6.4632 6.2098 5.9713 5.7466 5.5348 5.3349
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
12 11.2551 10.5753 9.954
6.8052 6.4951
9.3851 8.8633 8.3838 7.9427 7.5361 7.1607 6.8137
8.7455 8.2442 7.7862 7.3667

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

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

9.929

9.1609 26 22.7952 20.121 17.8768 15.9828 14.3752 13.0032 11.8258 10.81
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



学习参考

.. . . ..
年金现值
期数 11%
1
2
3
4
5

6
7
8
9

12% 13% 14% 15% 16% 17% 18% 19% 20%
0.9009 0.8929 0.885 0.8772 0.8696 0.8621 0.8547 0.8475 0.8403 0.8333
1.7125 1.6901 1.6681 1.6467 1.6257 1.6052 1.5852 1.5656 1.5465 1.5278
2.4437 2.4018 2.3612 2.3216 2.2832 2.2459 2.2096 2.1743 2.1399 2.1065
3.1024 3.0373 2.9745 2.9137 2.855

2.7982 2.7432 2.6901 2.6386 2.5887

3.6959 3.6048 3.5172 3.4331 3.3522 3.2743 3.1993 3.1272 3.0576 2.9906
4.2305 4.1114 3.9975 3.8887 3.7845 3.6847 3.5892 3.4976 3.4098 3.3255
4.7122 4.5638 4.4226 4.2883 4.1604 4.0386 3.9224 3.8115 3.7057 3.6046
5.1461 4.9676 4.7988 4.6389 4.4873 4.3436 4.2072 4.0776 3.9544 3.8372
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
5.8178 5.5339 5.2732 5.0333 4.8122
4.8435

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
19 7.8393 7.3658 6.938

6.5504 6.1982 5.8775 5.5845 5.3162 5.07

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

4.9563 26 8.4881 7.8957 7.3717 6.9061 6.4906 6.1182 5.7831 5.4804 5.206
28 8.6016 7.9844 7.4412 6.9607 6.5335 6.152
29 8.6501 8.0218 7.4701 6.983


学习参考
27 8.5478 7.9426 7.4086 6.9352 6.5135 6.1364 5.7975 5.4919 5.2151 4.9636
5.8099 5.5016 5.2228 4.9697
6.5509 6.1656 5.8204 5.5098 5.2292 4.9747
6.1772 5.8294 5.5168 5.2347 4.9789 30 8.6938 8.0552 7.4957 7.0027 6.566

.. . . ..
年金现值
期数 21%
1
2
3
4
5

6
7
8
9

22% 23% 24% 25% 26% 27% 28% 29% 30%
0.8264 0.8197 0.813
1.5095 1.4915 1.474
0.8065 0.8
1.4568 1.44
0.7937 0.7874 0.7813 0.7752 0.7692
1.4235 1.4074 1.3916 1.3761 1.3609
1.9234 1.8956 1.8684 1.842
2.241

2.483

1.8161
2.4356

2.6427
2.2031 2.1662
2.0739 2.0422 2.0114 1.9813 1.952
2.926

2.5404 2.4936 2.4483 2.4043 2.3616 2.3202 2.28

2.821
2.8636 2.8035 2.7454 2.6893 2.6351 2.5827 2.532
3.2446 3.1669 3.0923 3.0205 2.9514 2.885
3.5079 3.4155 3.327
2.7594 2.7
3.2423 3.1611 3.0833 3.0087 2.937 2.8682 2.8021
3.7256 3.6193 3.5179 3.4212 3.3289 3.2407 3.1564 3.0758 2.9986 2.9247
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
15 4.489

4.3152 4.153

3.9124 3.7801 3.6555 3.5381 3.4272 3.3224 3.2233
4.0013 3.8593 3.7261 3.601

3.4834 3.3726 3.2682

14 4.4317 4.2646 4.1082 3.9616 3.8241 3.6949 3.5733 3.4587 3.3507 3.2487
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
3.3037
3.3105

18 4.6079 4.4187 4.2431 4.0799 3.9279 3.7861 3.6536 3.5294 3.413
19 4.6346 4.4415 4.2627 4.0967 3.9424 3.7985 3.6642 3.5386 3.421

20 4.6567 4.4603 4.2786 4.1103 3.9539 3.8083 3.6726 3.5458 3.4271 3.3158
21 4.675
22 4.69
4.4756 4.2916 4.1212 3.9631 3.8161 3.6792 3.5514 3.4319 3.3198
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
3.4423 3.3286

25 4.7213 4.5139 4.3232 4.1474 3.9849 3.8342 3.6943 3.564
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
29 4.743



学习参考
4.5281 4.3346 4.1566 3.9923 3.8402 3.6991 3.5679 3.4455 3.3312
4.5312 4.3371 4.1585 3.9938 3.8414 3.7001 3.5687 3.4461 3.3317
3.8424 3.7009 3.5693 3.4466 3.3321 30 4.7463 4.5338 4.3391 4.1601 3.995

.. . . ..
年金终值
期数 1%
1
2
3
4
5

6
7
8
9

1
2.01
2%
1
2.02
3%
1
2.03
4%
1
2.04
5%
1
2.05
6%
1
2.06
7%
1
2.07
8%
1
2.08
9%
1
2.09
10%
1
2.1
3.0301 3.0604 3.0909 3.1216 3.1525 3.1836 3.2149 3.2464 3.2781 3.31
4.0604 4.1216 4.1836 4.2465 4.3101 4.3746 4.4399 4.5061 4.5731 4.641
5.101

6.152
5.204

5.3091 5.4163 5.5256 5.6371 5.7507 5.8666 5.9847 6.1051

6.8019 6.9753 7.1533 7.3359 7.5233 7.7156
8.3938 8.654 8.9228 9.2004 9.4872
6.3081 6.4684 6.633
7.2135 7.4343 7.6625 7.8983 8.142
8.2857 8.583 8.8923 9.2142 9.5491 9.8975 10.2598 10.6366 11.0285 11.4359
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



学习参考

.. . . ..
年金终值
期数 11%
1
2
3
4
5

6
7
8
9

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

9.683

9.9299 7.9129 8.1152 8.3227 8.5355 8.7537 8.9775 9.2068 9.442
9.7833 10.089 10.4047 10.7305 11.0668 11.4139 11.772 12.1415 12.5227 12.9159
11.8594 12.2997 12.7573 13.2328 13.7268 14.2401 14.7733 15.327 15.902 16.4991
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
1181.881
30 199.0209 241.3327 293.1992 356.7868 434.7451 530.3117 647.4391 790.948 966.7122
6


学习参考

.. . . ..
年金终值
期
1
2
3
4
5

6
21%
1
2.21
3.6741
5.4457
7.5892

10.183
22% 23% 24% 25% 26% 27% 28% 29% 30%
1 1 1 1 1 1 1 1 1
2.22 2.23 2.24 2.25 2.26 2.27 2.28 2.29 2.3
3.7084 3.7429 3.7776 3.8125 3.8476 3.8829 3.9184 3.9541 3.99
5.5242 5.6038 5.6842 5.7656 5.848 5.9313 6.0156 6.1008 6.187
7.7396 7.8926 8.0484 8.207 8.3684 8.5327 8.6999 8.87 9.0431

10.4423

10.7079

10.9801

11.2588

11.5442

11.8366

12.1359

12.4423

12.756
13.7396 14.1708 14.6153 15.0735 15.5458 16.0324 16.5339 17.0506 17.5828
17.7623 18.43 19.1229 19.8419 20.5876 21.3612 22.1634 22.9953 23.8577
22.67 23.669 24.7125 25.8023 26.9404 28.1287 29.3692 30.6639 32.015
28.6574 30.1128 31.6434 33.2529 34.9449 36.7235 38.5926 40.5564 42.6195

35.962

38.0388

40.2379

42.5661

45.0306

47.6388

50.3985

53.3178

56.4053
44.8737 47.7877 50.895 54.2077 57.7386 61.5013 65.51 69.78 74.327
55.7459 59.7788 64.1097 68.7596 73.7506 79.1066 84.8529 91.0161 97.625
69.01 74.528 80.4961 86.9495 93.9258 101.4654 109.6117 118.4108 127.9125
85.1922 92.6694 100.8151 109.6868 119.3465 129.8611 141.3029 153.75 167.2863

104.9345 114.9834 126.0108 138.1085 151.3766 165.9236 181.8677 199.3374 218.4722
7 13.3214
8 17.1189
9 21.7139
10 27.2738

11

34.0013
12 42.1416
13 51.9913
14 63.9095
15 78.3305

16

95.7799
17 116.8937 129.0201 142.4295 157.2534 173.6357 191.7345 211.723 233.7907 258.1453 285.0139
18 142.4413 158.4045 176.1883 195.9942 218.0446 242.5855 269.8882 300.2521 334.0074 371.518
19 173.354 194.2535 217.7116 244.0328 273.5558 306.6577 343.758 385.3227 431.8696 483.9734
20 210.7584 237.9893 268.7853 303.6006 342.9447 387.3887 437.5726 494.2131 558.1118 630.1655

21 256.0176 291.3469 331.6059 377.4648 429.6809 489.1098 556.7173 633.5927 720.9642 820.2151
1067.279
22 310.7813 356.4432 408.8753 469.0563 538.1011 617.2783 708.0309 811.9987 931.0438
6
1040.3581202.0461388.463
23 377.0454 435.8607 503.9166 582.6298 673.6264 778.7707 900.1993
3 5 5
1144.2531332.6581806.002
24 457.2249 532.7501 620.8174 723.461 843.0329 982.2511 1551.64
1 6 6
1054.7911238.6361454.2011706 .8032002.6152348.803
25 554.2422 650.9551 764.6054 898.0916
2 3 4 1 6 3

1114.633

1561.681

1847.835

2185.707

2584.374

3054.444
26 671.633 795.1653 941.4647 1319.489
6 8 8 9 1 3
1159.0011383.1451650. 3611968.7192347.7512798.7063334.8423971.777
27 813.6759 971.1016
6 7 2 1 5 1 6 6
1426.571 1716.1002063.9512982.6443583.3435164.310
28 985.5479 1185.744 2481.586 4302.947
9 7 5 4 8 9
1447.6071755.6832128.9642580.9393127.7983788 .9584587.6805551.8016714.604
29 1193.5129
7 5 8 4 4 3 1 6 2
1767.0812160.4902640.9163227.1 744812.9775873.2307162.8248729.985
30 1445.1507 3942.026
3 7 4 3 1 6 1 5


学习参考

.. . . ..
复利现值
期数 1%
1
2
3
4
5

6
7
8
9

2% 3% 4% 5% 6%
0.89
7% 8% 9% 10%
0.9901 0.9804 0.9709 0.9615 0.9524 0.9434 0.9346 0.9259 0.9174 0.9091
0.9803 0.9612 0.9426 0.9246 0.907
0.9706 0.9423 0.9151 0.889
0.961

0.942
0.8734 0.8573 0.8417 0.8264
0.7084 0.683

0.5132
0.8638 0.8396 0.8163 0.7938 0.7722 0.7513
0.6806 0.6499 0.6209

0.9238 0.8885 0.8548 0.8227 0.7921 0.7629 0.735

0.888

0.9515 0.9057 0.8626 0.8219 0.7835 0.7473 0.713
0.8375 0.7903 0.7462 0.705 0.6663 0.6302 0.5963 0.5645
0.5403 0.5019 0.4665
0.9327 0.8706 0.8131 0.7599 0.7107 0.6651 0.6227 0.5835 0.547
0.9235 0.8535 0.7894 0.7307 0.6768 0.6274 0.582
0.9143 0.8368 0.7664 0.7026 0.6446 0.5919 0.5439 0.5002 0.4604 0.4241

0.444

10 0.9053 0.8203 0.7441 0.6756 0.6139 0.5584 0.5083 0.4632 0.4224 0.3855
11 0.8963 0.8043 0.7224 0.6496 0.5847 0.5268 0.4751 0.4289 0.3875 0.3505
12 0.8874 0.7885 0.7014 0.6246 0.5568 0.497
13 0.8787 0.773
14 0.87

15 0.8613 0.743

0.681
0.3971 0.3555 0.3186
0.3677 0.3262 0.2897 0.6006 0.5303 0.4688 0.415
0.7579 0.6611 0.5775 0.5051 0.4423 0.3878 0.3405 0.2992 0.2633
0.6419 0.5553 0.481

0.4173 0.3624 0.3152 0.2745 0.2394

16 0.8528 0.7284 0.6232 0.5339 0.4581 0.3936 0.3387 0.2919 0.2519 0.2176
17 0.8444 0.7142 0.605
18 0.836
0.5134 0.4363 0.3714 0.3166 0.2703 0.2311 0.1978
0.1799 0.7002 0.5874 0.4936 0.4155 0.3503 0.2959 0.2502 0.212
19 0.8277 0.6864 0.5703 0.4746 0.3957 0.3305 0.2765 0.2317 0.1945 0.1635
20 0.8195 0.673

0.5537 0.4564 0.3769 0.3118 0.2584 0.2145 0.1784 0.1486

21 0.8114 0.6598 0.5375 0.4388 0.3589 0.2942 0.2415 0.1987 0.1637 0.1351
22 0.8034 0.6468 0.5219 0.422 0.3418 0.2775 0.2257 0.1839 0.1502 0.1228
0.1971 0.1577 0.1264 0.1015
0.1842 0.146

0.116

0.0923

23 0.7954 0.6342 0.5067 0.4057 0.3256 0.2618 0.2109 0.1703 0.1378 0.1117
24 0.7876 0.6217 0.4919 0.3901 0.3101 0.247
25 0.7798 0.6095 0.4776 0.3751 0.2953 0.233

26 0.772 0.5976 0.4637 0.3607 0.2812 0.2198 0.1722 0.1352 0.1064 0.0839
27 0.7644 0.5859 0.4502 0.3468 0.2678 0.2074 0.1609 0.1252 0.0976 0.0763
28 0.7568 0.5744 0.4371 0.3335 0.2551 0.1956 0.1504 0.1159 0.0895 0.0693
29 0.7493 0.5631 0.4243 0.3207 0.2429 0.1846 0.1406 0.1073 0.0822 0.063
30 0.7419 0.5521 0.412



学习参考
0.3083 0.2314 0.1741 0.1314 0.0994 0.0754 0.0573

.. . . ..
复利现值
期数 11%
1
2
3
4
5

6
7
8
9

12% 13% 14% 15% 16% 17% 18% 19% 20%
0.9009 0.8929 0.885 0.8772 0.8696 0.8621 0.8547 0.8475 0.8403 0.8333
0.6575 0.6407 0.6244 0.6086 0.5934 0.5787
0.4019

0.8116 0.7972 0.7831 0.7695 0.7561 0.7432 0.7305 0.7182 0.7062 0.6944
0.7312 0.7118 0.6931 0.675
0.6587 0.6355 0.6133 0.5921 0.5718 0.5523 0.5337 0.5158 0.4987 0.4823
0.5935 0.5674 0.5428 0.5194 0.4972 0.4761 0.4561 0.4371 0.419

0.5346 0.5066 0.4803 0.4556 0.4323 0.4104 0.3898 0.3704 0.3521 0.3349
0.4817 0.4523 0.4251 0.3996 0.3759 0.3538 0.3332 0.3139 0.2959 0.2791
0.4339 0.4039 0.3762 0.3506 0.3269 0.305
0.3909 0.3606 0.3329 0.3075 0.2843 0.263

0.2848 0.266 0.2487 0.2326
0.1938

0.1122
0.2434 0.2255 0.209

10 0.3522 0.322 0.2946 0.2697 0.2472 0.2267 0.208 0.1911 0.1756 0.1615
11 0.3173 0.2875 0.2607 0.2366 0.2149 0.1954 0.1778 0.1619 0.1476 0.1346
12 0.2858 0.2567 0.2307 0.2076 0.1869 0.1685 0.152
14 0.232
15 0.209

0.2046 0.1807 0.1597 0.1413 0.1252 0.111

0.1372 0.124
13 0.2575 0.2292 0.2042 0.1821 0.1625 0.1452 0.1299 0.1163 0.1042 0.0935
0.0985 0.0876 0.0779

0.052

0.0451
0.1827 0.1599 0.1401 0.1229 0.1079 0.0949 0.0835 0.0736 0.0649
0.0811 0.0708 0.0618 0.0541 16 0.1883 0.1631 0.1415 0.1229 0.1069 0.093
18 0.1528 0.13
20 0.124

17 0.1696 0.1456 0.1252 0.1078 0.0929 0.0802 0.0693 0.06
0.1108 0.0946 0.0808 0.0691 0.0592 0.0508 0.0437 0.0376
19 0.1377 0.1161 0.0981 0.0829 0.0703 0.0596 0.0506 0.0431 0.0367 0.0313
0.1037 0.0868 0.0728 0.0611 0.0514 0.0433 0.0365 0.0308 0.0261

0.056

0.0309 0.0259 0.0217
0.0222 0.0183 0.0151
0.0129 0.0105

21 0.1117 0.0926 0.0768 0.0638 0.0531 0.0443 0.037
22 0.1007 0.0826 0.068
23 0.0907 0.0738 0.0601 0.0491 0.0402 0.0329 0.027
0.0462 0.0382 0.0316 0.0262 0.0218 0.0181
24 0.0817 0.0659 0.0532 0.0431 0.0349 0.0284 0.0231 0.0188 0.0154 0.0126
25 0.0736 0.0588 0.0471 0.0378 0.0304 0.0245 0.0197 0.016

26 0.0663 0.0525 0.0417 0.0331 0.0264 0.0211 0.0169 0.0135 0.0109 0.0087
27 0.0597 0.0469 0.0369 0.0291 0.023
28 0.0538 0.0419 0.0326 0.0255 0.02
0.0182 0.0144 0.0115 0.0091 0.0073
0.0157 0.0123 0.0097 0.0077 0.0061
0.007 0.0054 0.0042
29 0.0485 0.0374 0.0289 0.0224 0.0174 0.0135 0.0105 0.0082 0.0064 0.0051
30 0.0437 0.0334 0.0256 0.0196 0.0151 0.0116 0.009



学习参考

.. . . ..
复利现值
期数 21%
1
2
3
4
5

6
7
8
9

0.683
22% 23% 24% 25% 26% 27% 28% 29% 30%
0.8264 0.8197 0.813
0.6719 0.661
0.8065 0.8
0.6504 0.64
0.7937 0.7874 0.7813 0.7752 0.7692
0.6299 0.62 0.6104 0.6009 0.5917
0.4999 0.4882 0.4768 0.4658 0.4552
0.2799 0.2693

0.2072
0.5645 0.5507 0.5374 0.5245 0.512
0.4665 0.4514 0.4369 0.423
0.3855 0.37

0.4096 0.3968 0.3844 0.3725 0.3611 0.3501

0.3552 0.3411 0.3277 0.3149 0.3027 0.291
0.3186 0.3033 0.2888 0.2751 0.2621 0.2499 0.2383 0.2274 0.217
0.2633 0.2486 0.2348 0.2218 0.2097 0.1983 0.1877 0.1776 0.1682 0.1594
0.2176 0.2038 0.1909 0.1789 0.1678 0.1574 0.1478 0.1388 0.1304 0.1226
0.1799 0.167

0.1552 0.1443 0.1342 0.1249 0.1164 0.1084 0.1011 0.0943

10 0.1486 0.1369 0.1262 0.1164 0.1074 0.0992 0.0916 0.0847 0.0784 0.0725
11 0.1228 0.1122 0.1026 0.0938 0.0859 0.0787 0.0721 0.0662 0.0607 0.0558
12 0.1015 0.092 0.0834 0.0757 0.0687 0.0625 0.0568 0.0517 0.0471 0.0429
0.055 0.0496 0.0447 0.0404 0.0365 0.033
0.0393 0.0352 0.0316 0.0283 0.0254

0.015
13 0.0839 0.0754 0.0678 0.061
14 0.0693 0.0618 0.0551 0.0492 0.044

15 0.0573 0.0507 0.0448 0.0397 0.0352 0.0312 0.0277 0.0247 0.0219 0.0195
16 0.0474 0.0415 0.0364 0.032
17 0.0391 0.034
0.0281 0.0248 0.0218 0.0193 0.017
0.0296 0.0258 0.0225 0.0197 0.0172 0.015 0.0132 0.0116
18 0.0323 0.0279 0.0241 0.0208 0.018 0.0156 0.0135 0.0118 0.0102 0.0089
19 0.0267 0.0229 0.0196 0.0168 0.0144 0.0124 0.0107 0.0092 0.0079 0.0068
20 0.0221 0.0187 0.0159 0.0135 0.0115 0.0098 0.0084 0.0072 0.0061 0.0053

21 0.0183 0.0154 0.0129 0.0109 0.0092 0.0078 0.0066 0.0056 0.0048 0.004
22 0.0151 0.0126 0.0105 0.0088 0.0074 0.0062 0.0052 0.0044 0.0037 0.0031
23 0.0125 0.0103 0.0086 0.0071 0.0059 0.0049 0.0041 0.0034 0.0029 0.0024
24 0.0103 0.0085 0.007

0.0057 0.0047 0.0039 0.0032 0.0027 0.0022 0.0018

0.0008
25 0.0085 0.0069 0.0057 0.0046 0.0038 0.0031 0.0025 0.0021 0.0017 0.0014
26 0.007 0.0057 0.0046 0.0037 0.003 0.0025 0.002 0.0016 0.0013 0.0011
0.0008 0.0006
27 0.0058 0.0047 0.0037 0.003
28 0.0048 0.0038 0.003
29 0.004


学习参考
0.0024 0.0019 0.0016 0.0013 0.001
0.0015 0.0012 0.001
0.0024 0.0019 0.0015 0.0012 0.001
0.0016 0.0012 0.001
0.0031 0.0025 0.002 0.0008 0.0006 0.0005
30 0.0033 0.0026 0.002 0.0008 0.0006 0.0005 0.0004

.. . . ..
复利终值
期数 1%
1
2
3
4
5

6
7
8
9

1.01
2%
1.02
3%
1.03
4%
1.04
5%
1.05
6%
1.06
7%
1.07
1.225
8%
1.08
9%
1.09
10%
1.1
1.331
1.0201 1.0404 1.0609 1.0816 1.1025 1.1236 1.1449 1.1664 1.1881 1.21
1.0303 1.0612 1.0927 1.1249 1.1576 1.191
1.051

1.2597 1.295
1.0406 1.0824 1.1255 1.1699 1.2155 1.2625 1.3108 1.3605 1.4116 1.4641
1.1041 1.1593 1.2167 1.2763 1.3382 1.4026 1.4693 1.5386 1.6105

1.9487
1.0615 1.1262 1.1941 1.2653 1.3401 1.4185 1.5007 1.5869 1.6771 1.7716
1.0721 1.1487 1.2299 1.3159 1.4071 1.5036 1.6058 1.7138 1.828
1.0937 1.1951 1.3048 1.4233 1.5513 1.6895 1.8385 1.999

1.0829 1.1717 1.2668 1.3686 1.4775 1.5938 1.7182 1.8509 1.9926 2.1436
2.1719 2.3579

1.3439 1.4802 1.6289 1.7908 1.9672 2.1589 2.3674 2.5937 10 1.1046 1.219
11 1.1157 1.2434 1.3842 1.5395 1.7103 1.8983 2.1049 2.3316 2.5804 2.8531
12 1.1268 1.2682 1.4258 1.601 1.7959 2.0122 2.2522 2.5182 2.8127 3.1384
13 1.1381 1.2936 1.4685 1.6651 1.8856 2.1329 2.4098 2.7196 3.0658 3.4523
14 1.1495 1.3195 1.5126 1.7317 1.9799 2.2609 2.5785 2.9372 3.3417 3.7975
15 1.161

1.3459 1.558

1.8009 2.0789 2.3966 2.759

3.1722 3.6425 4.1772

16 1.1726 1.3728 1.6047 1.873 2.1829 2.5404 2.9522 3.4259 3.9703 4.595
2.6928 3.1588 3.7 4.3276 5.0545
4.7171 5.5599
5.6044 6.7275

17 1.1843 1.4002 1.6528 1.9479 2.292
19 1.2081 1.4568 1.7535 2.1068 2.527

18 1.1961 1.4282 1.7024 2.0258 2.4066 2.8543 3.3799 3.996
20 1.2202 1.4859 1.8061 2.1911 2.6533 3.2071 3.8697 4.661

21 1.2324 1.5157 1.8603 2.2788 2.786
22 1.2447 1.546
3.0256 3.6165 4.3157 5.1417 6.1159
3.3996 4.1406 5.0338 6.1088 7.4002
1.9161 2.3699 2.9253 3.6035 4.4304 5.4365 6.6586 8.1403
23 1.2572 1.5769 1.9736 2.4647 3.0715 3.8197 4.7405 5.8715 7.2579 8.9543
24 1.2697 1.6084 2.0328 2.5633 3.2251 4.0489 5.0724 6.3412 7.9111 9.8497
25 1.2824 1.6406 2.0938 2.6658 3.3864 4.2919 5.4274 6.8485 8.6231 10.8347

26 1.2953 1.6734 2.1566 2.7725 3.5557 4.5494 5.8074 7.3964 9.3992 11.9182
27 1.3082 1.7069 2.2213 2.8834 3.7335 4.8223 6.2139 7.9881 10.2451 13.11
28 1.3213 1.741 2.2879 2.9987 3.9201 5.1117 6.6488 8.6271 11.1671 14.421
29 1.3345 1.7758 2.3566 3.1187 4.1161 5.4184 7.1143 9.3173 12.1722 15.8631
30 1.3478 1.8114 2.4273 3.2434 4.3219 5.7435 7.6123 10.0627 13.2677 17.4494



学习参考

.. . . ..
复利终值
期数 11%
1
2
3
4
5

6
7
8
9

1.11
12%
1.12
13%
1.13
14%
1.14
15%
1.15
16%
1.16
17%
1.17
18%
1.18
19%
1.19
20%
1.2
1.2321 1.2544 1.2769 1.2996 1.3225 1.3456 1.3689 1.3924 1.4161 1.44
1.3676 1.4049 1.4429 1.4815 1.5209 1.5609 1.6016 1.643
1.5181 1.5735 1.6305 1.689

2.195
1.749

1.6852 1.728
1.8106 1.8739 1.9388 2.0053 2.0736

1.6851 1.7623 1.8424 1.9254 2.0114 2.1003 2.1924 2.2878 2.3864 2.4883
1.8704 1.9738 2.082
2.3045 2.476
2.558

2.3131 2.4364 2.5652 2.6996 2.8398 2.986
2.8262 3.0012 3.1855 3.3793 3.5832
3.2784 3.5115 3.7589 4.0214 4.2998
4.1084 4.4355 4.7854 5.1598

2.0762 2.2107 2.3526 2.5023 2.66
2.6584 2.8526 3.059
2.7731 3.004

3.2519 3.5179 3.803

10 2.8394 3.1058 3.3946 3.7072 4.0456 4.4114 4.8068 5.2338 5.6947 6.1917
11 3.1518 3.4786 3.8359 4.2262 4.6524 5.1173 5.624
12 3.4985 3.896 4.3345 4.8179 5.3503 5.936
13 3.8833 4.3635 4.898
6.1759 6.7767 7.4301
6.5801 7.2876 8.0642 8.9161
5.4924 6.1528 6.8858 7.6987 8.5994 9.5964 10.6993
14 4.3104 4.8871 5.5348 6.2613 7.0757 7.9875 9.0075 10.1472 11.4198 12.8392
15 4.7846 5.4736 6.2543 7.1379 8.1371 9.2655 10.5387 11.9737 13.5895 15.407

16 5.3109 6.1304 7.0673 8.1372 9.3576 10.748 12.3303 14.129 16.1715 18.4884
17 5.8951 6.866
18 6.5436 7.69
7.9861 9.2765 10.7613 12.4677 14.4265 16.6722 19.2441 22.1861
9.0243 10.5752 12.3755 14.4625 16.879 19.6733 22.9005 26.6233
19 7.2633 8.6128 10.1974 12.0557 14.2318 16.7765 19.7484 23.2144 27.2516 31.948
20 8.0623 9.6463 11.5231 13.7435 16.3665 19.4608 23.1056 27.393 32.4294 38.3376

21 8.9492 10.8038 13.0211 15.6676 18.8215 22.5745 27.0336 32.3238 38.591 46.0051
22 9.9336 12.1003 14.7138 17.861 21.6447 26.1864 31.6293 38.1421 45.9233 55.2061
23 11.0263 13.5523 16.6266 20.3616 24.8915 30.3762 37.0062 45.0076 54.6487 66.2474
24 12.2392 15.1786 18.7881 23.2122 28.6252 35.2364 43.2973 53.109 65.032 79.4968
25 13.5855 17.0001 21.2305 26.4619 32.919 40.8742 50.6578 62.6686 77.3881 95.3962

26 15.0799 19.0401 23.9905 30.1666 37.8568 47.4141 59.2697 73.949 92.0918 114.4755
27 16.7387 21.3249 27.1093 34.3899 43.5353 55.0004 69.3455 87.2598 109.5893 137.3706
28 18.5799 23.8839 30.6335 39.2045 50.0656 63.8004 81.1342 102.9666 130.4112 164.8447
29 20.6237 26.7499 34.6158 44.6931 57.5755 74.0085 94.9271 121.5005 155.1893 197.8136
30 22.8923 29.9599 39.1159 50.9502 66.2118 85.8499 111.0647 143.3706 184.6753 237.3763



学习参考

.. . . ..
复利终值
期数 21%
1
2
3
4
5

6
7
8
9
1.21
22%
1.22
23%
1.23
24%
1.24
25%
1.25
26%
1.26
27%
1.27
28%
1.28
29%
1.29
30%
1.3
1.4641 1.4884 1.5129 1.5376 1.5625 1.5876 1.6129 1.6384 1.6641 1.69
1.7716 1.8158 1.8609 1.9066 1.9531 2.0004 2.0484 2.0972 2.1467 2.197
2.1436 2.2153 2.2889 2.3642 2.4414 2.5205 2.6014 2.6844 2.7692 2.8561
2.5937 2.7027 2.8153 2.9316 3.0518 3.1758 3.3038 3.436

3.1384 3.2973 3.4628 3.6352 3.8147 4.0015 4.1959 4.398
4.595
3.5723 3.7129

4.6083 4.8268
3.7975 4.0227 4.2593 4.5077 4.7684 5.0419 5.3288 5.6295 5.9447 6.2749
4.9077 5.2389 5.5895 5.9605 6.3528 6.7675 7.2058 7.6686 8.1573
7.4506 8.0045 8.5948 9.2234 9.8925 10.6045 5.5599 5.9874 6.4439 6.931
10 6.7275 7.3046 7.9259 8.5944 9.3132 10.0857 10.9153 11.8059 12.7614 13.7858

11 8.1403 8.9117 9.7489 10.6571 11.6415 12.708 13.8625 15.1116 16.4622 17.9216
12 9.8497 10.8722 11.9912 13.2148 14.5519 16.012 17.6053 19.3428 21.2362 23.2981
13 11.9182 13.2641 14.7491 16.3863 18.1899 20.1752 22.3588 24.7588 27.3947 30.2875
14 14.421 16.1822 18.1414 20.3191 22.7374 25.4207 28.3957 31.6913 35.3391 39.3738
15 17.4494 19.7423 22.314 25.1956 28.4217 32.0301 36.0625 40.5648 45.5875 51.1859

16 21.1138 24.0856 27.4462 31.2426 35.5271 40.3579 45.7994 51.923 58.8079 66.5417
17 25.5477 29.3844 33.7588 38.7408 44.4089 50.851 58.1652 66.4614 75.8621 86.5042
18 30.9127 35.849 41.5233 48.0386 55.5112 64.0722 73.8698 85.0706 97.8622 112.4554
19 37.4043 43.7358 51.0737 59.5679 69.3889 80.731 93.8147 108.8904 126.2422 146.192
20 45.2593 53.3576 62.8206 73.8641 86.7362 101.7211 119.1446 139.3797 162.8524 190.0496

21 54.7637 65.0963 77.2694 91.5915 108.4202 128.1685 151.3137 178.406 210.0796 247.0645
22 66.2641 79.4175 95.0413 113.5735 135.5253 161.4924 192.1683 228.3596 271.0027 321.1839
23 80.1795 96.8894 116.9008 140.8312 169.4066 203.4804 244.0538 292.3003 349.5935 417.5391
24 97.0172 118.205 143.788 174.6306 211.7582 256.3853 309.9483 374.1444 450.9756 542.8008
25 117.3909 144.2101 176.8593 216.542 264.6978 323.0454 393.6344 478.9049 581.7585 705.641

26 142.0429 175.9364 217.5369 268.5121 330.8722 407.0373 499.9157 612.9982 750.4685 917.3333
1192.533
27 171.8719 214.6424 267.5704 332.955 413.5903 512.867 634.8929 784.6377 968.1044
3
28 207.9651 261.8637 329.1115 412.8642 516.9879 646.2124 806.314
1004.3361248.8541550.293
3 6 3
1024.0181285.5501611.0222015.381
29 251.6377 319.4737 404.8072 511.9516 646.2349 814.2276
7 4 5 3
1025.9261300.5031645.5042619.995
30 304.4816 389.7579 497.9129 634.8199 807.7936 2078.219
7 8 6 6
学习参考

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1. 若不给自己设限，则人生中就没有限制你发挥的藩篱。2. 若不是心宽似海，哪有人生风 平浪静。在纷杂的尘世里，为自己留下一片纯静的心灵空间，不管是潮起潮落，也不管是阴晴圆缺，你都可以免去 浮躁，义无反顾，勇往直前，轻松自如地走好人生路上的每一步3. 花一些时间，总会看清一些事。用一些事情 ，总会看清一些人。有时候觉得自己像个神经病。既纠结了自己，又打扰了别人。努力过后，才知道许多事情，坚 持坚持，就过来了。4.岁月是无情的，假如你丢给它的是一片空白，它还给你的也是一片空白。岁月是有情的， 假如你奉献给她的是一些色彩，它奉献给你的也是一些色彩。你必须努力，当有一天蓦然回首时，你的回忆里才会 多一些色彩斑斓，少一些苍白无力。只有你自己才能把岁月描画成一幅难以忘怀的人生画卷。



学习参考