年 金 现 值 系 数 表

p

期数

1%

2%

3%

4%

5%

6%

7%

8%

9%

10%

11%

12%

13%

14%

15%

16%

17%

18%

19%

20%

21%

22%

23%

24%

25%

26%

27%

28%

29%

30%

p

1

0.9901

0.9804

0.9709

0.9615

0.9524

0.9434

0.9346

0.9259

0.9174

0.9091

0.9009

0.8929

0.8850

0.8772

0.8696

0.8621

0.8547

0.8475

0.8403

0.8333

0.8264

0.8197

0.8130

0.8065

0.8000

0.7937

0.7874

0.7813

0.7752

0.7692

p

2

1.9704

1.9416

1.9135

1.8861

1.8594

1.8334

1.8080

1.7833

1.7591

1.7355

1.7125

1.6901

1.6681

1.6467

1.6257

1.6052

1.5852

1.5656

1.5465

1.5278

1.5095

1.4915

1.4740

1.4568

1.4400

1.4235

1.4074

1.3916

1.3761

1.3609

p

3

2.9410

2.8839

2.8286

2.7751

2.7232

2.6730

2.6243

2.5771

2.5313

2.4869

2.4437

2.4018

2.3612

2.3216

2.2832

2.2459

2.2096

2.1743

2.1399

2.1065

2.0739

2.0422

2.0114

1.9813

1.9520

1.9234

1.8956

1.8684

1.8420

1.8161

p

4

3.9020

3.8077

3.7171

3.6299

3.5460

3.4651

3.3872

3.3121

3.2397

3.1699

3.1024

3.0373

2.9745

2.9137

2.8550

2.7982

2.7432

2.6901

2.6386

2.5887

2.5404

2.4936

2.4483

2.4043

2.3616

2.3202

2.2800

2.2410

2.2031

2.1662

p

5

4.8534

4.7135

4.5797

4.4518

4.3295

4.2124

4.1002

3.9927

3.8897

3.7908

3.6959

3.6048

3.5172

3.4331

3.3522

3.2743

3.1993

3.1272

3.0576

2.9906

2.9260

2.8636

2.8035

2.7454

2.6893

2.6351

2.5827

2.5320

2.4830

2.4356

p

p

6

5.7955

5.6014

5.4172

5.2421

5.0757

4.9173

4.7665

4.6229

4.4859

4.3553

4.2305

4.1114

3.9975

3.8887

3.7845

3.6847

3.5892

3.4976

3.4098

3.3255

3.2446

3.1669

3.0923

3.0205

2.9514

2.8850

2.8210

2.7594

2.7000

2.6427

p

7

6.7282

6.4720

6.2303

6.0021

5.7864

5.5824

5.3893

5.2064

5.0330

4.8684

4.7122

4.5638

4.4226

4.2883

4.1604

4.0386

3.9224

3.8115

3.7057

3.6046

3.5079

3.4155

3.3270

3.2423

3.1611

3.0833

3.0087

2.9370

2.8682

2.8021

p

8

7.6517

7.3255

7.0197

6.7327

6.4632

6.2098

5.9713

5.7466

5.5348

5.3349

5.1461

4.9676

4.7988

4.6389

4.4873

4.3436

4.2072

4.0776

3.9544

3.8372

3.7256

3.6193

3.5179

3.4212

3.3289

3.2407

3.1564

3.0758

2.9986

2.9247

p

9

8.5660

8.1622

7.7861

7.4353

7.1078

6.8017

6.5152

6.2469

5.9952

5.7590

5.5370

5.3282

5.1317

4.9464

4.7716

4.6065

4.4506

4.3030

4.1633

4.0310

3.9054

3.7863

3.6731

3.5655

3.4631

3.3657

3.2728

3.1842

3.0997

3.0190

p

10

9.4713

8.9826

8.5302

8.1109

7.7217

7.3601

7.0236

6.7101

6.4177

6.1446

5.8892

5.6502

5.4262

5.2161

5.0188

4.8332

4.6586

4.4941

4.3389

4.1925

4.0541

3.9232

3.7993

3.6819

3.5705

3.4648

3.3644

3.2689

3.1781

3.0915

p

p

11

10.3676

9.7868

9.2526

8.7605

8.3064

7.8869

7.4987

7.1390

6.8052

6.4951

6.2065

5.9377

5.6869

5.4527

5.2337

5.0286

4.8364

4.6560

4.4865

4.3271

4.1769

4.0354

3.9018

3.7757

3.6564

3.5435

3.4365

3.3351

3.2388

3.1473

p

12

11.2551

10.5753

9.9540

9.3851

8.8633

8.3838

7.9427

7.5361

7.1607

6.8137

6.4924

6.1944

5.9176

5.6603

5.4206

5.1971

4.9884

4.7932

4.6105

4.4392

4.2784

4.1274

3.9852

3.8514

3.7251

3.6059

3.4933

3.3868

3.2859

3.1903

p

13

12.1337

11.3484

10.6350

9.9856

9.3936

8.8527

8.3577

7.9038

7.4869

7.1034

6.7499

6.4235

6.1218

5.8424

5.5831

5.3423

5.1183

4.9095

4.7147

4.5327

4.3624

4.2028

4.0530

3.9124

3.7801

3.6555

3.5381

3.4272

3.3224

3.2233

p

14

13.0037

12.1062

11.2961

10.5631

9.8986

9.2950

8.7455

8.2442

7.7862

7.3667

6.9819

6.6282

6.3025

6.0021

5.7245

5.4675

5.2293

5.0081

4.8023

4.6106

4.4317

4.2646

4.1082

3.9616

3.8241

3.6949

3.5733

3.4587

3.3507

3.2487

p

15

13.8651

12.8493

11.9379

11.1184

10.3797

9.7122

9.1079

8.5595

8.0607

7.6061

7.1909

6.8109

6.4624

6.1422

5.8474

5.5755

5.3242

5.0916

4.8759

4.6755

4.4890

4.3152

4.1530

4.0013

3.8593

3.7261

3.6010

3.4834

3.3726

3.2682

p

p

16

14.7179

13.5777

12.5611

11.6523

10.8378

10.1059

9.4466

8.8514

8.3126

7.8237

7.3792

6.9740

6.6039

6.2651

5.9542

5.6685

5.4053

5.1624

4.9377

4.7296

4.5364

4.3567

4.1894

4.0333

3.8874

3.7509

3.6228

3.5026

3.3896

3.2832

p

17

15.5623

14.2919

13.1661

12.1657

11.2741

10.4773

9.7632

9.1216

8.5436

8.0216

7.5488

7.1196

6.7291

6.3729

6.0472

5.7487

5.4746

5.2223

4.9897

4.7746

4.5755

4.3908

4.2190

4.0591

3.9099

3.7705

3.6400

3.5177

3.4028

3.2948

p

18

16.3983

14.9920

13.7535

12.6593

11.6896

10.8276

10.0591

9.3719

8.7556

8.2014

7.7016

7.2497

6.8399

6.4674

6.1280

5.8178

5.5339

5.2732

5.0333

4.8122

4.6079

4.4187

4.2431

4.0799

3.9279

3.7861

3.6536

3.5294

3.4130

3.3037

p

19

17.2260

15.6785

14.3238

13.1339

12.0853

11.1581

10.3356

9.6036

8.9501

8.3649

7.8393

7.3658

6.9380

6.5504

6.1982

5.8775

5.5845

5.3162

5.0700

4.8435

4.6346

4.4415

4.2627

4.0967

3.9424

3.7985

3.6642

3.5386

3.4210

3.3105

p

20

18.0456

16.3514

14.8775

13.5903

12.4622

11.4699

10.5940

9.8181

9.1285

8.5136

7.9633

7.4694

7.0248

6.6231

6.2593

5.9288

5.6278

5.3527

5.1009

4.8696

4.6567

4.4603

4.2786

4.1103

3.9539

3.8083

3.6726

3.5458

3.4271

3.3158

p

p

21

18.8570

17.0112

15.4150

14.0292

12.8212

11.7641

10.8355

10.0168

9.2922

8.6487

8.0751

7.5620

7.1016

6.6870

6.3125

5.9731

5.6648

5.3837

5.1268

4.8913

4.6750

4.4756

4.2916

4.1212

3.9631

3.8161

3.6792

3.5514

3.4319

3.3198

p

22

19.6604

17.6580

15.9369

14.4511

13.1630

12.0416

11.0612

10.2007

9.4424

8.7715

8.1757

7.6446

7.1695

6.7429

6.3587

6.0113

5.6964

5.4099

5.1486

4.9094

4.6900

4.4882

4.3021

4.1300

3.9705

3.8223

3.6844

3.5558

3.4356

3.3230

p

23

20.4558

18.2922

16.4436

14.8568

13.4886

12.3034

11.2722

10.3711

9.5802

8.8832

8.2664

7.7184

7.2297

6.7921

6.3988

6.0442

5.7234

5.4321

5.1668

4.9245

4.7025

4.4985

4.3106

4.1371

3.9764

3.8273

3.6885

3.5592

3.4384

3.3254

p

24

21.2434

18.9139

16.9355

15.2470

13.7986

12.5504

11.4693

10.5288

9.7066

8.9847

8.3481

7.7843

7.2829

6.8351

6.4338

6.0726

5.7465

5.4509

5.1822

4.9371

4.7128

4.5070

4.3176

4.1428

3.9811

3.8312

3.6918

3.5619

3.4406

3.3272

p

25

22.0232

19.5235

17.4131

15.6221

14.0939

12.7834

11.6536

10.6748

9.8226

9.0770

8.4217

7.8431

7.3300

6.8729

6.4641

6.0971

5.7662

5.4669

5.1951

4.9476

4.7213

4.5139

4.3232

4.1474

3.9849

3.8342

3.6943

3.5640

3.4423

3.3286

p

p

26

22.7952

20.1210

17.8768

15.9828

14.3752

13.0032

11.8258

10.8100

9.9290

9.1609

8.4881

7.8957

7.3717

6.9061

6.4906

6.1182

5.7831

5.4804

5.2060

4.9563

4.7284

4.5196

4.3278

4.1511

3.9879

3.8367

3.6963

3.5656

3.4437

3.3297

p

27

23.5596

20.7069

18.3270

16.3296

14.6430

13.2105

11.9867

10.9352

10.0266

9.2372

8.5478

7.9426

7.4086

6.9352

6.5135

6.1364

5.7975

5.4919

5.2151

4.9636

4.7342

4.5243

4.3316

4.1542

3.9903

3.8387

3.6979

3.5669

3.4447

3.3305

p

28

24.3164

21.2813

18.7641

16.6631

14.8981

13.4062

12.1371

11.0511

10.1161

9.3066

8.6016

7.9844

7.4412

6.9607

6.5335

6.1520

5.8099

5.5016

5.2228

4.9697

4.7390

4.5281

4.3346

4.1566

3.9923

3.8402

3.6991

3.5679

3.4455

3.3312

p

29

25.0658

21.8444

19.1885

16.9837

15.1411

13.5907

12.2777

11.1584

10.1983

9.3696

8.6501

8.0218

7.4701

6.9830

6.5509

6.1656

5.8204

5.5098

5.2292

4.9747

4.7430

4.5312

4.3371

4.1585

3.9938

3.8414

3.7001

3.5687

3.4461

3.3317

p

30

25.8077

22.3965

19.6004

17.2920

15.3725

13.7648

12.4090

11.2578

10.2737

9.4269

8.6938

8.0552

7.4957

7.0027

6.5660

6.1772

5.8294

5.5168

5.2347

4.9789

4.7463

4.5338

4.3391

4.1601

3.9950

3.8424

3.7009

3.5693

3.4466

3.3321

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

1.999

26

22.795

20.121

17.876

15.982

14.375

13.003

10.809

9.16

7.895

6.906

6.49

6.118

5.48

4.956

4.519

4.151

3.987

3.329

2.855

2.499

2.222

1.999

27

23.559

20.706

18.327

16.329

14.643

13.21

10.935

9.237

7.942

6.935

6.513

6.136

5.491

4.963

4.524

4.154

3.99

3.33

2.856

2.499

2.222

1.999

28

24.316

21.281

18.764

16.663

14.898

13.406

11.051

9.306

7.984

6.96

6.533

6.152

5.501

4.969

4.528

4.156

3.992

3.331

2.856

2.499

2.222

1.999

29

25.065

21.844

19.188

16.983

15.141

13.59

11.158

9.369

8.021

6.983

6.55

6.165

5.509

4.974

4.531

4.158

3.993

3.331

2.856

2.499

2.222

1.999

30

25.807

22.396

19.6

17.292

15.372

13.764

11.257

9.426

8.055

7.002

6.565

6.177

5.516

4.978

4.533

4.16

3.995

3.332

2.856

2.499

2.222

1.999

40

32.834

27.355

23.114

19.792

17.159

15.046

11.924

9.779

8.243

7.105

6.641

6.233

5.548

4.996

4.543

4.165

3.999

3.333

2.857

2.499

2.222

1.999

50

39.196

31.423

25.729

21.482

18.255

15.761

12.233

9.914

8.304

7.132

6.66

6.246

5.554

4.999

4.545

4.166

3.999

3.333

2.857

2.499

2.222

1.999