💹 年金现值系数 PVIFAPVIFA Calculator (Present Value Interest Factor of an Annuity)
PVIFA = (1 - (1 + r)^-n) / r；期初年金再乘 (1 + r)。填写每期金额时同时给出年金现值。本地处理。PVIFA = (1 - (1 + r)^-n) / r; for an annuity due multiply by (1 + r). Enter a payment to get the present value too. Processed locally.
使用说明与常见问题How-to & FAQ
「年金现值系数 PVIFA」是什么？What is the PVIFA Calculator (Present Value Interest Factor of an Annuity) tool?
PVIFA = (1 - (1 + r)^-n) / r；期初年金再乘 (1 + r)。填写每期金额时同时给出年金现值。本地处理。PVIFA = (1 - (1 + r)^-n) / r; for an annuity due multiply by (1 + r). Enter a payment to get the present value too. Processed locally.
如何使用「年金现值系数 PVIFA」？How do I use the PVIFA Calculator (Present Value Interest Factor of an Annuity) tool?
填写每期利率和期数，并在「类型」中选择普通年金或期初年金，即可得到年金现值系数 PVIFA；填写每期金额时还会给出现值。结果会随输入实时更新。Enter the rate per period and the number of periods and choose an ordinary annuity or annuity due under Type to get PVIFA; add the payment to get the present value too. The result updates as you type.
和 PVIF？vs PVIF?
PVIF = (1 + r)^-n 只折现一笔钱；PVIFA 是 n 个 PVIF 之和。PVIF = (1 + r)^-n discounts a single sum; PVIFA is the sum of n PVIFs.
能举个计算实例吗？Can you show a worked example?
例如在「年金现值系数 PVIFA」中填 每期利率 % = 5，期数 = 10，类型 = 期末年金，每期金额（可选） = 1000，结果区显示：PVIFA：7.721735；年金现值：7,721.73For example, entering Rate per period % = 5, Periods = 10, Type = Ordinary annuity, Payment (optional) = 1000 in the PVIFA Calculator (Present Value Interest Factor of an Annuity) gives: PVIFA: 7.721735; Present value: 7,721.73
哪些输入会被检查？Which inputs are validated?
「年金现值系数 PVIFA」会检查这些输入——「每期利率 %」：必须填写，不能为负数；「期数」：必须填写，不能为负数，须为整数；「每期金额（可选）」：不能为负数；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The PVIFA Calculator (Present Value Interest Factor of an Annuity) checks its inputs — "Rate per period %": required, cannot be negative; "Periods": required, cannot be negative, must be a whole number; "Payment (optional)": cannot be negative; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.
有哪些选项可以调整？What options can I adjust?
「年金现值系数 PVIFA」的设置：「每期利率 %」默认 5；「期数」默认 10；「类型」可选 期末年金、期初年金（默认 期末年金）；「每期金额（可选）」可留空。每次生成结果都按当前设置处理。Settings in the PVIFA Calculator (Present Value Interest Factor of an Annuity) — "Rate per period %" default 5; "Periods" default 10; "Type": Ordinary annuity, Annuity due (default Ordinary annuity); "Payment (optional)" optional. The result always uses the current settings.
计算结果可以作为最终依据吗？Can I rely on the result?
「年金现值系数 PVIFA」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The PVIFA Calculator (Present Value Interest Factor of an Annuity) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「年金现值系数 PVIFA」免费吗？需要注册吗？Is the PVIFA Calculator (Present Value Interest Factor of an Annuity) free? Do I need an account?
「年金现值系数 PVIFA」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The PVIFA Calculator (Present Value Interest Factor of an Annuity) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.