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复利现值系数表完整版

在财务领域,了解一笔未来款项在今天的价值至关重要。这就是复利现值系数的用途所在。它基于一个核心理念:资金具有时间价值。这意味着,即使金额不变,由于诸如通货膨胀和机会成本等因素,现在的一笔钱总是比未来的价值要高。

复利现值系数表 - 封面

复利现值系数的计算公式

要计算这个系数,我们使用一个简单的公式:

PVIF = 1 / (1 + r)^n

这里的 PVIF 代表复利现值系数,它告诉我们未来每1元在今天的价值。公式中的 r 是年利率,它反映了资金的使用成本或收益率。而 n 是期数(通常用年来计算),代表从现在起到未来款项支付的时间长度。

使用复利现值系数表简化计算

虽然这个公式很直接,但计算复利现值系数可能还是有些复杂。幸运的是,有一个简化的方法:使用复利现值系数表。这张表列出了不同的期数和利率组合下的系数值。通过查阅表格,您可以轻松地找到任何特定情况下的复利现值系数,无需进行任何复杂的计算。

下面是完整版的复利现值系数表:

复利现值系数表1: 利率r = 1%-5%, 期数n = 1-25

期数1%2%3%4%5%
10.99010.98040.97090.96150.9524
20.98030.96120.94260.92460.9070
30.97060.94230.91510.88900.8638
40.96100.92380.88850.85480.8227
50.95150.90570.86260.82190.7835
60.94200.88800.83750.79030.7462
70.93270.87060.81310.75990.7107
80.92350.85350.78940.73070.6768
90.91430.83680.76640.70260.6446
100.90530.82030.74410.67560.6139
110.89630.80430.72240.64960.5847
120.88740.78850.70140.62460.5568
130.87870.77300.68100.60060.5303
140.87000.75790.66110.57750.5051
150.86130.74300.64190.55530.4810
160.85280.72840.62320.53390.4581
170.84440.71420.60500.51340.4363
180.83600.70020.58740.49360.4155
190.82770.68640.57030.47460.3957
200.81950.67300.55370.45640.3769
210.81140.65980.53750.43880.3589
220.80340.64680.52190.42200.3418
230.79540.63420.50670.40570.3256
240.78760.62170.49190.39010.3101
250.77980.60950.47760.37510.2953

复利现值系数表2: 利率r = 1%-5%, 期数n = 26-50

期数1%2%3%4%5%
260.77200.59760.46370.36070.2812
270.76440.58590.45020.34680.2678
280.75680.57440.43710.33350.2551
290.74930.56310.42430.32070.2429
300.74190.55210.41200.30830.2314
310.73460.54120.40000.29650.2204
320.72730.53060.38830.28510.2099
330.72010.52020.37700.27410.1999
340.71300.51000.36600.26360.1904
350.70590.50000.35540.25340.1813
360.69890.49020.34500.24370.1727
370.69200.48060.33500.23430.1644
380.68520.47120.32520.22530.1566
390.67840.46190.31580.21660.1491
400.67170.45290.30660.20830.1420
410.66500.44400.29760.20030.1353
420.65840.43530.28900.19260.1288
430.65190.42680.28050.18520.1227
440.64540.41840.27240.17800.1169
450.63910.41020.26440.17120.1113
460.63270.40220.25670.16460.1060
470.62650.39430.24930.15830.1009
480.62030.38650.24200.15220.0961
490.61410.37900.23500.14630.0916
500.60800.37150.22810.14070.0872

复利现值系数表3: 利率r = 6%-10%, 期数n = 1-25

期数6%7%8%9%10%
10.94340.93460.92590.91740.9091
20.89000.87340.85730.84170.8264
30.83960.81630.79380.77220.7513
40.79210.76290.73500.70840.6830
50.74730.71300.68060.64990.6209
60.70500.66630.63020.59630.5645
70.66510.62270.58350.54700.5132
80.62740.58200.54030.50190.4665
90.59190.54390.50020.46040.4241
100.55840.50830.46320.42240.3855
110.52680.47510.42890.38750.3505
120.49700.44400.39710.35550.3186
130.46880.41500.36770.32620.2897
140.44230.38780.34050.29920.2633
150.41730.36240.31520.27450.2394
160.39360.33870.29190.25190.2176
170.37140.31660.27030.23110.1978
180.35030.29590.25020.21200.1799
190.33050.27650.23170.19450.1635
200.31180.25840.21450.17840.1486
210.29420.24150.19870.16370.1351
220.27750.22570.18390.15020.1228
230.26180.21090.17030.13780.1117
240.24700.19710.15770.12640.1015
250.23300.18420.14600.11600.0923

复利现值系数表4: 利率r = 6%-10%, 期数n = 26-50

期数6%7%8%9%10%
260.21980.17220.13520.10640.0839
270.20740.16090.12520.09760.0763
280.19560.15040.11590.08950.0693
290.18460.14060.10730.08220.0630
300.17410.13140.09940.07540.0573
310.16430.12280.09200.06910.0521
320.15500.11470.08520.06340.0474
330.14620.10720.07890.05820.0431
340.13790.10020.07300.05340.0391
350.13010.09370.06760.04900.0356
360.12270.08750.06260.04490.0323
370.11580.08180.05800.04120.0294
380.10920.07650.05370.03780.0267
390.10310.07150.04970.03470.0243
400.09720.06680.04600.03180.0221
410.09170.06240.04260.02920.0201
420.08650.05830.03950.02680.0183
430.08160.05450.03650.02460.0166
440.07700.05090.03380.02260.0151
450.07270.04760.03130.02070.0137
460.06850.04450.02900.01900.0125
470.06470.04160.02690.01740.0113
480.06100.03890.02490.01600.0103
490.05750.03630.02300.01470.0094
500.05430.03390.02130.01340.0085

复利现值系数表5: 利率r = 11%-15%, 期数n = 1-25

期数11%12%13%14%15%
10.90090.89290.88500.87720.8696
20.81160.79720.78310.76950.7561
30.73120.71180.69310.67500.6575
40.65870.63550.61330.59210.5718
50.59350.56740.54280.51940.4972
60.53460.50660.48030.45560.4323
70.48170.45230.42510.39960.3759
80.43390.40390.37620.35060.3269
90.39090.36060.33290.30750.2843
100.35220.32200.29460.26970.2472
110.31730.28750.26070.23660.2149
120.28580.25670.23070.20760.1869
130.25750.22920.20420.18210.1625
140.23200.20460.18070.15970.1413
150.20900.18270.15990.14010.1229
160.18830.16310.14150.12290.1069
170.16960.14560.12520.10780.0929
180.15280.13000.11080.09460.0808
190.13770.11610.09810.08290.0703
200.12400.10370.08680.07280.0611
210.11170.09260.07680.06380.0531
220.10070.08260.06800.05600.0462
230.09070.07380.06010.04910.0402
240.08170.06590.05320.04310.0349
250.07360.05880.04710.03780.0304

复利现值系数表6: 利率r = 11%-15%, 期数n = 26-50

期数11%12%13%14%15%
260.06630.05250.04170.03310.0264
270.05970.04690.03690.02910.0230
280.05380.04190.03260.02550.0200
290.04850.03740.02890.02240.0174
300.04370.03340.02560.01960.0151
310.03940.02980.02260.01720.0131
320.03550.02660.02000.01510.0114
330.03190.02380.01770.01320.0099
340.02880.02120.01570.01160.0086
350.02590.01890.01390.01020.0075
360.02340.01690.01230.00890.0065
370.02100.01510.01090.00780.0057
380.01900.01350.00960.00690.0049
390.01710.01200.00850.00600.0043
400.01540.01070.00750.00530.0037
410.01390.00960.00670.00460.0032
420.01250.00860.00590.00410.0028
430.01120.00760.00520.00360.0025
440.01010.00680.00460.00310.0021
450.00910.00610.00410.00270.0019
460.00820.00540.00360.00240.0016
470.00740.00490.00320.00210.0014
480.00670.00430.00280.00190.0012
490.00600.00390.00250.00160.0011
500.00540.00350.00220.00140.0009

复利现值系数表7: 利率r = 16%-20%, 期数n = 1-25

期数16%17%18%19%20%
10.86210.85470.84750.84030.8333
20.74320.73050.71820.70620.6944
30.64070.62440.60860.59340.5787
40.55230.53370.51580.49870.4823
50.47610.45610.43710.41900.4019
60.41040.38980.37040.35210.3349
70.35380.33320.31390.29590.2791
80.30500.28480.26600.24870.2326
90.26300.24340.22550.20900.1938
100.22670.20800.19110.17560.1615
110.19540.17780.16190.14760.1346
120.16850.15200.13720.12400.1122
130.14520.12990.11630.10420.0935
140.12520.11100.09850.08760.0779
150.10790.09490.08350.07360.0649
160.09300.08110.07080.06180.0541
170.08020.06930.06000.05200.0451
180.06910.05920.05080.04370.0376
190.05960.05060.04310.03670.0313
200.05140.04330.03650.03080.0261
210.04430.03700.03090.02590.0217
220.03820.03160.02620.02180.0181
230.03290.02700.02220.01830.0151
240.02840.02310.01880.01540.0126
250.02450.01970.01600.01290.0105

复利现值系数表8: 利率r = 16%-20%, 期数n = 26-50

期数16%17%18%19%20%
260.02110.01690.01350.01090.0087
270.01820.01440.01150.00910.0073
280.01570.01230.00970.00770.0061
290.01350.01050.00820.00640.0051
300.01160.00900.00700.00540.0042
310.01000.00770.00590.00460.0035
320.00870.00660.00500.00380.0029
330.00750.00560.00420.00320.0024
340.00640.00480.00360.00270.0020
350.00550.00410.00300.00230.0017
360.00480.00350.00260.00190.0014
370.00410.00300.00220.00160.0012
380.00360.00260.00190.00130.0010
390.00310.00220.00160.00110.0008
400.00260.00190.00130.00100.0007
410.00230.00160.00110.00080.0006
420.00200.00140.00100.00070.0005
430.00170.00120.00080.00060.0004
440.00150.00100.00070.00050.0003
450.00130.00090.00060.00040.0003
460.00110.00070.00050.00030.0002
470.00090.00060.00040.00030.0002
480.00080.00050.00040.00020.0002
490.00070.00050.00030.00020.0001
500.00060.00040.00030.00020.0001

复利现值系数表9: 利率r = 21%-25%, 期数n = 1-25

期数21%22%23%24%25%
10.82640.81970.81300.80650.8000
20.68300.67190.66100.65040.6400
30.56450.55070.53740.52450.5120
40.46650.45140.43690.42300.4096
50.38550.37000.35520.34110.3277
60.31860.30330.28880.27510.2621
70.26330.24860.23480.22180.2097
80.21760.20380.19090.17890.1678
90.17990.16700.15520.14430.1342
100.14860.13690.12620.11640.1074
110.12280.11220.10260.09380.0859
120.10150.09200.08340.07570.0687
130.08390.07540.06780.06100.0550
140.06930.06180.05510.04920.0440
150.05730.05070.04480.03970.0352
160.04740.04150.03640.03200.0281
170.03910.03400.02960.02580.0225
180.03230.02790.02410.02080.0180
190.02670.02290.01960.01680.0144
200.02210.01870.01590.01350.0115
210.01830.01540.01290.01090.0092
220.01510.01260.01050.00880.0074
230.01250.01030.00860.00710.0059
240.01030.00850.00700.00570.0047
250.00850.00690.00570.00460.0038

复利现值系数表10: 利率r = 21%-25%, 期数n = 26-50

期数21%22%23%24%25%
260.00700.00570.00460.00370.0030
270.00580.00470.00370.00300.0024
280.00480.00380.00300.00240.0019
290.00400.00310.00250.00200.0015
300.00330.00260.00200.00160.0012
310.00270.00210.00160.00130.0010
320.00220.00170.00130.00100.0008
330.00190.00140.00110.00080.0006
340.00150.00120.00090.00070.0005
350.00130.00090.00070.00050.0004
360.00100.00080.00060.00040.0003
370.00090.00060.00050.00030.0003
380.00070.00050.00040.00030.0002
390.00060.00040.00030.00020.0002
400.00050.00040.00030.00020.0001
410.00040.00030.00020.00010.0001
420.00030.00020.00020.00010.0001
430.00030.00020.00010.00010.0001
440.00020.00020.00010.00010.0001
450.00020.00010.00010.00010.0000
460.00020.00010.00010.00010.0000
470.00010.00010.00010.00000.0000
480.00010.00010.00000.00000.0000
490.00010.00010.00000.00000.0000
500.00010.00000.00000.00000.0000

复利现值系数表使用案例

设想您有一个机会,在5年后获得1000元。想要了解这1000元在今天的价值是什么样的,复利现值系数就派上了用场。

首先,您需要确定当前的年利率,假设它是5%。借助上面的复利现值系数表,您可以找到对应于5年期限(n=5)和5%年利率(r=5%)的系数。查询表格显示,对应的的复利现值系数等于0.7835。这意味着,按照当前的利率,5年后的1000元相当于现在的783.5元(1000乘以0.7835)。

通过这种方式,复利现值系数使您能够量化未来的资金在今天的具体价值,为您提供了一个重要的财务分析工具。

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