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年金终值系数表完整版

年金终值是一个重要的财务概念,它帮助我们了解在一段时间内,定期存入相同金额后,这些存款加上产生的利息总共能积累成多少钱。这个概念非常适用于那些需要定期存款的场景,比如每月或每年向退休基金中存钱。

这里的关键是要理解,年金终值不仅包括你定期存入的金额,还包括随时间累积的利息。这种利息的特点是“复利”,意味着你的存款产生的利息不仅会增加你的总存款,而且这些利息在以后的时间里还会继续产生更多的利息。

为了方便地计算未来某个时间点的年金终值,我们会用到一个特殊的工具,叫做“年金终值系数”(FVIFA,即Future Value Interest Factor of an Annuity)。这个系数的计算考虑了两个主要因素:利率和支付的次数。简单来说,只要将你每期的存款金额乘以这个系数,就能快速得出年金的最终价值。

年金终值系数的计算公式如下:

FVIFA = ((1 + r)^n – 1) / r

这里,“r”是每期的利率,而“n”则是总的支付期数。

我们通常会用一张表格——年金系数终值表——来查找不同利率和期数下的年金终值系数。使用这张表格可以更快地找到我们需要的数据,从而简化计算过程。

年金终值系数表 - 封面

下面是完整版的年金终值系数表:

表1: 利率r = 1%-5%, 期数n = 1-25

期数1%2%3%4%5%
11.00001.00001.00001.00001.0000
22.01002.02002.03002.04002.0500
33.03013.06043.09093.12163.1525
44.06044.12164.18364.24654.3101
55.10105.20405.30915.41635.5256
66.15206.30816.46846.63306.8019
77.21357.43437.66257.89838.1420
88.28578.58308.89239.21429.5491
99.36859.754610.159110.582811.0266
1010.462210.949711.463912.006112.5779
1111.566812.168712.807813.486414.2068
1212.682513.412114.192015.025815.9171
1313.809314.680315.617816.626817.7130
1414.947415.973917.086318.291919.5986
1516.096917.293418.598920.023621.5786
1617.257918.639320.156921.824523.6575
1718.430420.012121.761623.697525.8404
1819.614721.412323.414425.645428.1324
1920.810922.840625.116927.671230.5390
2022.019024.297426.870429.778133.0660
2123.239225.783328.676531.969235.7193
2224.471627.299030.536834.248038.5052
2325.716328.845032.452936.617941.4305
2426.973530.421934.426539.082644.5020
2528.243232.030336.459341.645947.7271

表2: 利率r = 1%-5%, 期数n = 26-50

期数1%2%3%4%5%
2629.525633.670938.553044.311751.1135
2730.820935.344340.709647.084254.6691
2832.129137.051242.930949.967658.4026
2933.450438.792245.218952.966362.3227
3034.784940.568147.575456.084966.4388
3136.132742.379450.002759.328370.7608
3237.494144.227052.502862.701575.2988
3338.869046.111655.077866.209580.0638
3440.257748.033857.730269.857985.0670
3541.660349.994560.462173.652290.3203
3643.076951.994463.275977.598395.8363
3744.507654.034366.174281.7022101.6281
3845.952756.114969.159485.9703107.7095
3947.412358.237272.234290.4091114.0950
4048.886460.402075.401395.0255120.7998
4150.375262.610078.663399.8265127.8398
4251.879064.862282.0232104.8196135.2318
4353.397867.159585.4839110.0124142.9933
4454.931869.502789.0484115.4129151.1430
4556.481171.892792.7199121.0294159.7002
4658.045974.330696.5015126.8706168.6852
4759.626376.8172100.3965132.9454178.1194
4861.222679.3535104.4084139.2632188.0254
4962.834881.9406108.5406145.8337198.4267
5064.463284.5794112.7969152.6671209.3480

表3: 利率r = 6%-10%, 期数n = 1-25

期数6%7%8%9%10%
11.00001.00001.00001.00001.0000
22.06002.07002.08002.09002.1000
33.18363.21493.24643.27813.3100
44.37464.43994.50614.57314.6410
55.63715.75075.86665.98476.1051
66.97537.15337.33597.52337.7156
78.39388.65408.92289.20049.4872
89.897510.259810.636611.028511.4359
911.491311.978012.487613.021013.5795
1013.180813.816414.486615.192915.9374
1114.971615.783616.645517.560318.5312
1216.869917.888518.977120.140721.3843
1318.882120.140621.495322.953424.5227
1421.015122.550524.214926.019227.9750
1523.276025.129027.152129.360931.7725
1625.672527.888130.324333.003435.9497
1728.212930.840233.750236.973740.5447
1830.905733.999037.450241.301345.5992
1933.760037.379041.446346.018551.1591
2036.785640.995545.762051.160157.2750
2139.992744.865250.422956.764564.0025
2243.392349.005755.456862.873371.4027
2346.995853.436160.893369.531979.5430
2450.815658.176766.764876.789888.4973
2554.864563.249073.105984.700998.3471

表4: 利率r = 6%-10%, 期数n = 26-50

期数6%7%8%9%10%
2659.156468.676579.954493.3240109.1818
2763.705874.483887.3508102.7231121.0999
2868.528180.697795.3388112.9682134.2099
2973.639887.3465103.9659124.1354148.6309
3079.058294.4608113.2832136.3075164.4940
3184.8017102.0730123.3459149.5752181.9434
3290.8898110.2182134.2135164.0370201.1378
3397.3432118.9334145.9506179.8003222.2515
34104.1838128.2588158.6267196.9823245.4767
35111.4348138.2369172.3168215.7108271.0244
36119.1209148.9135187.1021236.1247299.1268
37127.2681160.3374203.0703258.3759330.0395
38135.9042172.5610220.3159282.6298364.0434
39145.0585185.6403238.9412309.0665401.4478
40154.7620199.6351259.0565337.8824442.5926
41165.0477214.6096280.7810369.2919487.8518
42175.9505230.6322304.2435403.5281537.6370
43187.5076247.7765329.5830440.8457592.4007
44199.7580266.1209356.9496481.5218652.6408
45212.7435285.7493386.5056525.8587718.9048
46226.5081306.7518418.4261574.1860791.7953
47241.0986329.2244452.9002626.8628871.9749
48256.5645353.2701490.1322684.2804960.1723
49272.9584378.9990530.3427746.86561057.1896
50290.3359406.5289573.7702815.08361163.9085

表5: 利率r = 11%-15%, 期数n = 1-25

期数11%12%13%14%15%
11.00001.00001.00001.00001.0000
22.11002.12002.13002.14002.1500
33.34213.37443.40693.43963.4725
44.70974.77934.84984.92114.9934
56.22786.35286.48036.61016.7424
67.91298.11528.32278.53558.7537
79.783310.089010.404710.730511.0668
811.859412.299712.757313.232813.7268
914.164014.775715.415716.085316.7858
1016.722017.548718.419719.337320.3037
1119.561420.654621.814323.044524.3493
1222.713224.133125.650227.270729.0017
1326.211628.029129.984732.088734.3519
1430.094932.392634.882737.581140.5047
1534.405437.279740.417543.842447.5804
1639.189942.753346.671750.980455.7175
1744.500848.883753.739159.117665.0751
1850.395955.749761.725168.394175.8364
1956.939563.439770.749478.969288.2118
2064.202872.052480.946891.0249102.4436
2172.265181.698792.4699104.7684118.8101
2281.214392.5026105.4910120.4360137.6316
2391.1479104.6029120.2048138.2970159.2764
24102.1742118.1552136.8315158.6586184.1678
25114.4133133.3339155.6196181.8708212.7930

表6: 利率r = 11%-15%, 期数n = 26-50

期数11%12%13%14%15%
26127.9988150.3339176.8501208.3327245.7120
27143.0786169.3740200.8406238.4993283.5688
28159.8173190.6989227.9499272.8892327.1041
29178.3972214.5828258.5834312.0937377.1697
30199.0209241.3327293.1992356.7868434.7451
31221.9132271.2926332.3151407.7370500.9569
32247.3236304.8477376.5161465.8202577.1005
33275.5292342.4294426.4632532.0350664.6655
34306.8374384.5210482.9034607.5199765.3654
35341.5896431.6635546.6808693.5727881.1702
36380.1644484.4631618.7493791.67291014.3457
37422.9825543.5987700.1867903.50711167.4975
38470.5106609.8305792.21101030.99811343.6222
39523.2667684.0102896.19841176.33781546.1655
40581.8261767.09141013.70421342.02511779.0903
41646.8269860.14241146.48581530.90862046.9539
42718.9779964.35951296.52891746.23582354.9969
43799.06551081.08261466.07771991.70882709.2465
44887.96271211.81251657.66782271.54813116.6334
45986.63861358.23001874.16462590.56483585.1285
461096.16881522.21762118.80602954.24394123.8977
471217.74741705.88382395.25083368.83804743.4824
481352.69961911.58982707.63343841.47535456.0047
491502.49652141.98063060.62584380.28196275.4055
501668.77122400.01823459.50714994.52137217.7163

表7: 利率r = 16%-20%, 期数n = 1-25

期数16%17%18%19%20%
11.00001.00001.00001.00001.0000
22.16002.17002.18002.19002.2000
33.50563.53893.57243.60613.6400
45.06655.14055.21545.29135.3680
56.87717.01447.15427.29667.4416
68.97759.20689.44209.68309.9299
711.413911.772012.141512.522712.9159
814.240114.773315.327015.902016.4991
917.518518.284719.085919.923420.7989
1021.321522.393123.521324.708925.9587
1125.732927.199928.755130.403532.1504
1230.850232.823934.931137.180239.5805
1336.786239.404042.218745.244548.4966
1443.672047.102750.818054.840959.1959
1551.659556.110160.965366.260772.0351
1660.925066.648872.939079.850287.4421
1771.673078.979287.068096.0218105.9306
1884.140793.4056103.7403115.2659128.1167
1998.6032110.2846123.4135138.1664154.7400
20115.3797130.0329146.6280165.4180186.6880
21134.8405153.1385174.0210197.8474225.0256
22157.4150180.1721206.3448236.4385271.0307
23183.6014211.8013244.4868282.3618326.2369
24213.9776248.8076289.4945337.0105392.4842
25249.2140292.1049342.6035402.0425471.9811

表8: 利率r = 16%-20%, 期数n = 26-50

期数16%17%18%19%20%
26290.0883342.7627405.2721479.4306567.3773
27337.5024402.0323479.2211571.5224681.8528
28392.5028471.3778566.4809681.1116819.2233
29456.3032552.5121669.4475811.5228984.0680
30530.3117647.4391790.9480966.71221181.8816
31616.1616758.5038934.31861151.38751419.2579
32715.7475888.44941103.49601371.15111704.1095
33831.26711040.48581303.12531632.66982045.9314
34965.26981218.36841538.68781943.87712456.1176
351120.71301426.49101816.65162314.21372948.3411
361301.02701669.99452144.64892754.91433539.0094
371510.19141954.89362531.68573279.34814247.8112
381752.82202288.22552988.38913903.42425098.3735
392034.27352678.22383527.29924646.07486119.0482
402360.75723134.52184163.21305529.82907343.8578
412739.47843668.39064913.59146581.49658813.6294
423178.79494293.01695799.03787832.980810577.3553
433688.40215023.82986843.86469322.247212693.8263
444279.54655878.88098076.760311094.474115233.5916
454965.27396879.29079531.577113203.424218281.3099
465760.71778049.770111248.261015713.074821938.5719
476683.43269419.231013273.948018699.559026327.2863
487753.781811021.500215664.258622253.475331593.7436
498995.386912896.155318484.825126482.635637913.4923
5010435.648815089.501721813.093731515.336345497.1908

表9: 利率r = 21%-25%, 期数n = 1-25

期数21%22%23%24%25%
11.00001.00001.00001.00001.0000
22.21002.22002.23002.24002.2500
33.67413.70843.74293.77763.8125
45.44575.52425.60385.68425.7656
57.58927.73967.89268.04848.2070
610.183010.442310.707910.980111.2588
713.321413.739614.170814.615315.0735
817.118917.762318.430019.122919.8419
921.713922.670023.669024.712525.8023
1027.273828.657430.112831.643433.2529
1134.001335.962038.038840.237942.5661
1242.141644.873747.787750.895054.2077
1351.991355.745959.778864.109768.7596
1463.909569.010074.528080.496186.9495
1578.330585.192292.6694100.8151109.6868
1695.7799104.9345114.9834126.0108138.1085
17116.8937129.0201142.4295157.2534173.6357
18142.4413158.4045176.1883195.9942218.0446
19173.3540194.2535217.7116244.0328273.5558
20210.7584237.9893268.7853303.6006342.9447
21256.0176291.3469331.6059377.4648429.6809
22310.7813356.4432408.8753469.0563538.1011
23377.0454435.8607503.9166582.6298673.6264
24457.2249532.7501620.8174723.4610843.0329
25554.2422650.9551764.6054898.09161054.7912

表10: 利率r = 21%-25%, 期数n = 26-50

期数21%22%23%24%25%
26671.6330795.1653941.46471114.63361319.4890
27813.6759971.10161159.00161383.14571650.3612
28985.54791185.74401426.57191716.10072063.9515
291193.51291447.60771755.68352128.96482580.9394
301445.15071767.08132160.49072640.91643227.1743
311749.63232156.83922658.40363275.73634034.9678
322118.05512632.34393270.83644062.91305044.7098
332563.84673212.45954024.12875039.01226306.8872
343103.25453920.20064950.67836249.37517884.6091
353755.93794783.64476090.33447750.22519856.7613
364545.68485837.04667492.11139611.279112321.9516
375501.27877122.19689216.296911918.986115403.4396
386657.54728690.080111337.045114780.542819255.2994
398056.632110602.897813945.565518328.873124070.1243
409749.524812936.535317154.045622728.802630088.6554
4111797.925015783.573021100.476128184.715237611.8192
4214276.489319256.959125954.585634950.046947015.7740
4317275.552123494.490131925.140343339.058158770.7175
4420904.418028664.277939268.922553741.432173464.3969
4525295.345834971.419148301.774766640.375891831.4962
4630608.368442666.131259412.182982635.0660114790.3702
4737037.125752053.680173077.9850102468.4818143488.9627
4844815.922163506.489789886.9215127061.9174179362.2034
4954228.265877478.9175110561.9135157557.7776224203.7543
5065617.201694525.2793135992.1536195372.6442280255.6929

年金终值系数表使用案例

想象一下,如果你每年存入1000元,并且这笔钱可以获得每年5%的利率。假设你打算这样做持续10年。要弄清楚10年后你的总储蓄额会增长到多少,你可以利用前面提到的年金终值系数表。

在这个例子中,如果查找表格中5%年利率和10年存款期的对应数据,你会发现相应的年金终值系数是12.578。这个系数帮助我们快速计算10年后的总存款额。具体来说,你每年存入的1000元乘以这个系数(12.578),就可以得出最终的总金额。所以,计算如下:

1000元×12.578=12578元

这意味着在10年的存款期结束时,你的年金总额将达到12578元。这个总额包括了你的原始存款和在10年中累积的利息。

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