Excel函数应用篇：函数计算年金终值系数-附年金终值系数表

   一、年金终值系数指固定的间隔时间相等的期间(如以年为单位)分期支付(存入)1元金额，经过若干年后按复利计算的累计本利之和。

年金终值系数公式如下：　，这里F/A=(F/A,i,n)代表年金终值系数，i代表 利率，n代表年数。

    二、 在Excel中我们可以使用FV财务函数计算年金终值系数，我们先来学习一下FV函数。FV 是一个财务函数，用于根据固定利率计算投资的未来值。可以将 FV 与定期付款、固定付款或一次付清总额付款结合使用。 

  1.FV函数语法

FV(rate,nper,pmt,[pv],[type])

FV 函数有下列参数：

Rate    必需。各期利率。

Nper    必需。年金的付款总期数。

Pmt    必需。各期所应支付的金额，在整个年金期间保持不变。通常 pmt 包括本金和利息，但不包括其他费用或税款。如果省略 pmt，则必须包括 pv 参数。

pv    可选。现值，或一系列未来付款的当前值的累积和。如果省略 pv，则假定其值为 0（零），并且必须包括 pmt 参数。

Type    可选。数字 0 或 1，用以指定各期的付款时间是在期初还是期末。如果省略 type，则假定其值为 0。

    2. 假如我们计算3年期5%利率的年金终值系数，公式为FV(5%,3，-1, ,0)，这里-1表示收到的金额，如下图所示。


图1.Excel函数FV计算年金终值系数。

附年金终值系数表

利率	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%
期数
1	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000	1.0000
2	2.0100	2.0200	2.0300	2.0400	2.0500	2.0600	2.0700	2.0800	2.0900	2.1000
3	3.0301	3.0604	3.0909	3.1216	3.1525	3.1836	3.2149	3.2464	3.2781	3.3100
4	4.0604	4.1216	4.1836	4.2465	4.3101	4.3746	4.4399	4.5061	4.5731	4.6410
5	5.1010	5.2040	5.3091	5.4163	5.5256	5.6371	5.7507	5.8666	5.9847	6.1051
6	6.1520	6.3081	6.4684	6.6330	6.8019	6.9753	7.1533	7.3359	7.5233	7.7156
7	7.2135	7.4343	7.6625	7.8983	8.1420	8.3938	8.6540	8.9228	9.2004	9.4872
8	8.2857	8.5830	8.8923	9.2142	9.5491	9.8975	10.2598	10.6366	11.0285	11.4359
9	9.3685	9.7546	10.1591	10.5828	11.0266	11.4913	11.9780	12.4876	13.0210	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	14.1920	15.0258	15.9171	16.8699	17.8885	18.9771	20.1407	21.3843
13	13.8093	14.6803	15.6178	16.6268	17.7130	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	27.9750
15	16.0969	17.2934	18.5989	20.0236	21.5786	23.2760	25.1290	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	33.9990	37.4502	41.3013	45.5992
19	20.8109	22.8406	25.1169	27.6712	30.5390	33.7600	37.3790	41.4463	46.0185	51.1591
20	22.0190	24.2974	26.8704	29.7781	33.0660	36.7856	40.9955	45.7620	51.1601	57.2750
21	23.2392	25.7833	28.6765	31.9692	35.7193	39.9927	44.8652	50.4229	56.7645	64.0025
22	24.4716	27.2990	30.5368	34.2480	38.5052	43.3923	49.0057	55.4568	62.8733	71.4027
23	25.7163	28.8450	32.4529	36.6179	41.4305	46.9958	53.4361	60.8933	69.5319	79.5430
24	26.9735	30.4219	34.4265	39.0826	44.5020	50.8156	58.1767	66.7648	76.7898	88.4973
25	28.2432	32.0303	36.4593	41.6459	47.7271	54.8645	63.2490	73.1059	84.7009	98.3471
26	29.5256	33.6709	38.5530	44.3117	51.1135	59.1564	68.6765	79.9544	93.3240	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	164.4940
31	36.1327	42.3794	50.0027	59.3283	70.7608	84.8017	102.0730	123.3459	149.5752	181.9434
32	37.4941	44.2270	52.5028	62.7015	75.2988	90.8898	110.2182	134.2135	164.0370	201.1378
33	38.8690	46.1116	55.0778	66.2095	80.0638	97.3432	118.9334	145.9506	179.8003	222.2515
34	40.2577	48.0338	57.7302	69.8579	85.0670	104.1838	128.2588	158.6267	196.9823	245.4767
35	41.6603	49.9945	60.4621	73.6522	90.3203	111.4348	138.2369	172.3168	215.7108	271.0244
36	43.0769	51.9944	63.2759	77.5983	95.8363	119.1209	148.9135	187.1021	236.1247	299.1268
37	44.5076	54.0343	66.1742	81.7022	101.6281	127.2681	160.3374	203.0703	258.3759	330.0395
38	45.9527	56.1149	69.1594	85.9703	107.7095	135.9042	172.5610	220.3159	282.6298	364.0434
39	47.4123	58.2372	72.2342	90.4091	114.0950	145.0585	185.6403	238.9412	309.0665	401.4478
40	48.8864	60.4020	75.4013	95.0255	120.7998	154.7620	199.6351	259.0565	337.8824	442.5926
41	50.3752	62.6100	78.6633	99.8265	127.8398	165.0477	214.6096	280.7810	369.2919	487.8518
42	51.8790	64.8622	82.0232	104.8196	135.2318	175.9505	230.6322	304.2435	403.5281	537.6370
43	53.3978	67.1595	85.4839	110.0124	142.9933	187.5076	247.7765	329.5830	440.8457	592.4007
44	54.9318	69.5027	89.0484	115.4129	151.1430	199.7580	266.1209	356.9496	481.5218	652.6408
45	56.4811	71.8927	92.7199	121.0294	159.7002	212.7435	285.7493	386.5056	525.8587	718.9048
46	58.0459	74.3306	96.5015	126.8706	168.6852	226.5081	306.7518	418.4261	574.1860	791.7953
47	59.6263	76.8172	100.3965	132.9454	178.1194	241.0986	329.2244	452.9002	626.8628	871.9749
48	61.2226	79.3535	104.4084	139.2632	188.0254	256.5645	353.2701	490.1322	684.2804	960.1723
49	62.8348	81.9406	108.5406	145.8337	198.4267	272.9584	378.9990	530.3427	746.8656	1057.1896
50	64.4632	84.5794	112.7969	152.6671	209.3480	290.3359	406.5289	573.7702	815.0836	1163.9085