年金现值计算公式、系数

发布时间:2021-02-22 发表于话题:年利率计算公式 点击:17 当前位置:龙发金融 > 健康养生 > 年金现值计算公式、系数 手机阅读

年金现值怎么计算呢?年金现值的计算公式为:P=[1-(1+i)的-n次方]/i,其中P是年金现值因子,i是利率、n是时间,设普通年金1元、利率为i、n期的年金现值,记作(P/A,i,n)。年金现值计算公式中,年金现值系数是最重要的参数。下文将为您详细介绍年金现值的计算公式及系数。

年金现值计算公式

1.普通年金现值公式

式中的分式称作“年金现值系数”,记为(P/A,i,n),可通过直接查阅“1元年金现值表”求得有关的数值,上式也可写作:P=A(P/A,i,n)

2.递延年金现值公式

3.终值公式

式中的分式称作“年金终值系数”,记作为(F/A,i,n),可通过直接查阅“1元年金终值表”求得有关的数值,上式也可写作:F=A(F/A,i,n)

年金现值系数

n1%2%3%4%5%6%8%10%12%14%15%16%18%20%22%24%25%30%35%40%45%50%10.990.980.970.9610.9520.9430.9250.9090.8920.8770.8690.8620.8470.8330.8190.8060.7990.7690.740.7140.6890.66621.971.9411.9131.8861.8591.8331.7831.7351.691.6461.6251.6051.5651.5271.4911.4561.441.361.2891.2241.1651.11132.942.8832.8282.7752.7232.6732.5772.4862.4012.3212.2832.2452.1742.1062.0421.9811.9521.8161.6951.5881.4931.40743.9013.8073.7173.6293.5453.4653.3123.1693.0372.9132.8542.7982.692.5882.4932.4042.3612.1661.9961.8491.7191.60454.8534.7134.5794.4514.3294.2123.9923.793.6043.4333.3523.2743.1272.992.8632.7452.6892.4352.2192.0351.8751.73665.7955.6015.4175.2425.0754.9174.6224.3554.1113.8883.7843.6843.4973.3253.1663.022.9512.6422.3852.1671.9831.82476.7286.4716.236.0025.7865.5825.2064.8684.5634.2884.164.0383.8113.6043.4153.2423.1612.8022.5072.2622.0571.88287.6517.3257.0196.7326.4636.2095.7465.3344.9674.6384.4874.3434.0773.8373.6193.4213.3282.9242.5982.332.1081.92198.5668.1627.7867.4357.1076.8016.2465.7595.3284.9464.7714.6064.3034.033.7863.5653.4633.0192.6652.3782.1431.947109.4718.9828.538.117.7217.366.716.1445.655.2165.0184.8334.4944.1923.9233.6813.573.0912.7152.4132.1681.9651110.3679.7869.2528.768.3067.8867.1386.4955.9375.4525.2335.0284.6564.3274.0353.7753.6563.1472.7512.4382.1841.9761211.25510.5759.9549.3858.8638.3837.5366.8136.1945.665.425.1974.7934.4394.1273.8513.7253.192.7792.4552.1961.9841312.13311.34810.6349.9859.3938.8527.9037.1036.4235.8425.5835.3424.9094.5324.2023.9123.783.2232.7992.4682.2041.9891413.00312.10611.29610.5639.8989.2948.2447.3666.6286.0025.7245.4675.0084.614.2643.9613.8243.2482.8142.4772.2091.9931513.86512.84911.93711.11810.3799.7128.5597.6066.816.1425.8475.5755.0914.6754.3154.0013.8593.2682.8252.4832.2131.9951614.71713.57712.56111.65210.83710.1058.8517.8236.9736.2655.9545.6685.1624.7294.3564.0333.8873.2832.8332.4882.2161.9961715.56214.29113.16612.16511.27410.4779.1218.0217.1196.3726.0475.7485.2224.7744.394.0593.9093.2942.8392.4912.2181.9971816.39814.99213.75312.65911.68910.8279.3718.2017.2496.4676.1275.8175.2734.8124.4184.0793.9273.3032.8442.4942.2191.9981917.22615.67814.32313.13312.08511.1589.6038.3647.3656.556.1985.8775.3164.8434.4414.0963.9423.312.8472.4952.221.9992018.04516.35114.87713.5912.46211.4699.8188.5137.4696.6236.2595.9285.3524.8694.464.113.9533.3152.852.4972.221.9992118.85617.01115.41514.02912.82111.76410.0168.6487.5626.6866.3125.9735.3834.8914.4754.1213.9633.3192.8512.4972.2211.9992219.6617.65815.93614.45113.16312.04110.28.7717.6446.7426.3586.0115.4094.9094.4884.1293.973.3222.8532.4982.2211.9992320.45518.29216.44314.85613.48812.30310.3718.8837.7186.7926.3986.0445.4324.9244.4984.1373.9763.3252.8542.4982.2211.9992421.24318.91316.93515.24613.79812.5510.5288.9847.7846.8356.4336.0725.454.9374.5074.1423.9813.3272.8552.4992.2211.9992522.02319.52317.41315.62214.09312.78310.6749.0777.8436.8726.4646.0975.4664.9474.5134.1473.9843.3282.8552.4992.2221.9992622.79520.12117.87615.98214.37513.00310.8099.167.8956.9066.496.1185.484.9564.5194.1513.9873.3292.8552.4992.2221.9992723.55920.70618.32716.32914.64313.2110.9359.2377.9426.9356.5136.1365.4914.9634.5244.1543.993.332.8562.4992.2221.9992824.31621.28118.76416.66314.89813.40611.0519.3067.9846.966.5336.1525.5014.9694.5284.1563.9923.3312.8562.4992.2221.9992925.06521.84419.18816.98315.14113.5911.1589.3698.0216.9836.556.1655.5094.9744.5314.1583.9933.3312.8562.4992.2221.9993025.80722.39619.617.29215.37213.76411.2579.4268.0557.0026.5656.1775.5164.9784.5334.163.9953.3322.8562.4992.2221.9994032.83427.35523.11419.79217.15915.04611.9249.7798.2437.1056.6416.2335.5484.9964.5434.1653.9993.3332.8572.4992.2221.9995039.19631.42325.72921.48218.25515.76112.2339.9148.3047.1326.666.2465.5544.9994.5454.1663.9993.3332.8572.4992.2221.999

年金现值计算案例

某企业于年初存入10万元,在年利率为10%,半年复利一次的情况下,到第10年末,该企业能得到多少本利和?

依题意,P=10,r=10%,m=2,n=10

则:i=(1+r/m)m-1= i=(1+10%/2)2-1=10.25%

F=P(1+i)n=10×(1+10.25%)10=26.53(万元)

这种方法的缺点是调整后的实际利率往往带有小数点,不便于查表。可以把利率变为r/m,期数相应变为m×n,则有:

F=P(1+r/m) m×n=10×(1+10%/2)20=10×(F/P,5%,20)=26.53(万元)。

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