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> 자료실> 호프만 계수 및 라이프니쯔 계수
   호프만 계수 및 라이프니쯔 계수란?

장래의 소득을 사고 시점을 기준으로 일시적 금액으로 환산해내는데는 그 장래의 기간에 대하여 이자의 공제가 필요하다. 이를 중간이자 공제라 하는데, 실제 이를 일일이 계산해 내기란 번거롭고 복잡하기 때문에 그 기간에 대해 미리 이자를 공제해둔 수치를 호프만 계수 또는 라이프니쯔 계수라 한다.

호프만 계수는 단리의 중간이자 공제를 한 수치이고, 라이프니쯔 계수는 복리의 중간이자 공제를 한 수치이며, 이자율은 법정이자 년5%이다.

[ 호프만계수 ]
취업월수
호프만계수
취업월수
호프만계수
취업월수
호프만계수
취업월수
호프만계수
1
0.9958
51
46.1567
101
84.1505
151
116.9435
2
1.9875
52
46.9786
102
84.8522
152
117.5558
3
2.9752
53
47.7977
103
85.5519
153
118.1665
4
3.9588
54
48.6140
104
86.2496
154
118.7756
5
4.9384
55
49.4276
105
86.9453
155
119.3832
6
5.9140
56
50.2384
106
87.6389
156
119.9893
7
6.8857
57
51.0465
107
88.3306
157
120.5938
8
7.8534
58
51.8519
108
89.0202
158
121.1968
9
8.8173
59
52.6545
109
89.7079
159
121.7983
10
9.7773
60
53.4545
110
90.3936
160
122.3983
11
10.7334
61
54.2519
111
91.0774
161
122.9968
12
11.6858
62
55.0466
112
91.7592
162
123.5938
13
12.6344
63
55.8387
113
92.4391
163
124.1894
14
13.5793
64
56.6281
114
93.1170
164
124.7834
15
14.5205
65
57.4150
115
93.7931
165
125.3760
16
15.4580
66
58.1993
116
94.4673
166
125.9672
17
16.3918
67
58.9811
117
95.1395
167
126.5568
18
17.3221
68
59.7603
118
95.8099
168
127.1451
19
18.2487
69
60.5370
119
96.4784
169
127.7319
20
19.1718
70
61.3112
120
97.1451
170
128.3172
21
20.0913
71
62.0829
121
97.8099
171
128.9012
22
21.0074
72
62.8521
122
98.4729
172
129.4837
23
21.9199
73
63.6189
123
99.1341
173
130.0648
24
22.8290
74
64.3832
124
99.7934
174
130.6445
25
23.7347
75
65.1451
125
100.4509
175
131.2228
26
24.6369
76
65.9046
126
101.1067
176
131.7998
27
25.5358
77
66.6617
127
101.7606
177
132.3753
28
26.4313
78
67.4164
128
102.4128
178
132.9495
29
27.3235
79
68.1688
129
103.0632
179
133.5223
30
28.2124
80
68.9188
130
103.7119
180
134.0937
31
29.0980
81
69.6665
131
104.3588
181
134.6638
32
29.9804
82
70.4118
132
105.0039
182
135.2325
33
30.8595
83
71.1548
133
105.6473
183
135.7999
34
31.7354
84
71.8956
134
106.2891
184
136.3659
35
32.6081
85
72.6340
135
106.9291
185
136.9306
36
33.4777
86
73.3702
136
107.5674
186
137.4940
37
34.3441
87
74.1042
137
108.2040
187
138.0560
38
35.2074
88
74.8359
138
108.8389
188
138.6168
39
36.0676
89
75.5654
139
109.4721
189
139.1762
40
36.9248
90
76.2926
140
110.1037
190
139.7344
41
37.7789
91
77.0177
141
110.7336
191
140.2912
42
38.6299
92
77.7406
142
111.3619
192
140.8468
43
39.4780
93
78.4613
143
111.9885
193
141.4010
44
40.3231
94
79.1799
144
112.6135
194
141.9540
45
41.1652
95
79.8963
145
113.2369
195
142.5058
46
42.0043
96
80.6106
146
113.8587
196
143.0562
47
42.8406
97
81.3228
147
114.4788
197
143.6054
48
43.6739
98
82.0328
148
115.0974
198
144.1534
49
44.5043
99
82.7408
149
115.7143
199
144.7001
50
45.3319
100
83.4467
150
116.3297
200
145.2455
취업월수
호프만계수
취업월수
호프만계수
취업월수
호프만계수
취업월수
호프만계수
201
145.7897
251
171.5379
301
194.7893
351
215.9858
202
146.3327
252
172.0257
302
195.2321
352
216.3912
203
146.8745
253
172.5125
303
195.6741
353
216.7959
204
147.4150
254
172.9983
304
196.1153
354
217.2000
205
147.9543
255
173.4832
305
196.5557
355
217.6033
206
148.4925
256
173.9670
306
196.9952
356
218.0060
207
149.0294
257
174.4499
307
197.4340
357
218.4080
208
149.5651
258
174.9319
308
197.8719
358
218.8093
209
150.0996
259
175.4128
309
198.3091
359
219.2100
210
150.6329
260
175.8928
310
198.7455
360
219.6100
211
151.1651
261
176.3719
311
199.1810
361
220.0094
212
151.6961
262
176.8499
312
199.6158
362
220.4080
213
152.2259
263
177.3271
313
200.0498
363
220.8060
214
152.7545
264
177.8033
314
200.4830
364
221.2034
215
153.2820
265
178.2785
315
200.9155
365
221.6001
216
153.8083
266
178.7528
316
201.3471
366
221.9961
217
154.3335
267
179.2262
317
201.7780
367
222.3915
218
154.8575
268
179.6986
318
202.2081
368
222.7862
219
155.3803
269
180.1702
319
202.6374
369
223.1803
220
155.9021
270
180.6407
320
203.0660
370
223.5738
221
156.4227
271
181.1104
321
203.4938
371
223.9666
222
156.9422
272
181.5792
322
203.9209
372
224.3587
223
157.4605
273
182.0470
323
204.3471
373
224.7502
224
157.9778
274
182.5139
324
204.7727
374
225.1411
225
158.4939
275
182.9799
325
205.1975
375
225.5314
226
159.0089
276
183.4451
326
205.6215
376
225.9210
227
159.5228
277
183.9093
327
206.0448
377
226.3100
228
160.0357
278
184.3726
328
206.4673
378
226.6983
229
160.5474
279
184.8350
329
206.8891
379
227.0860
230
161.0580
280
185.2966
330
207.3101
380
227.4731
231
161.5676
281
185.7572
331
207.7305
381
227.8596
232
162.0761
282
186.2170
332
208.1500
382
228.2455
233
162.5835
283
186.6759
333
208.5689
383
228.6307
234
163.0898
284
187.1339
334
208.9870
384
229.0153
235
163.5951
285
187.5910
335
209.4044
385
229.3993
236
164.0993
286
188.0473
336
209.8211
386
229.7827
237
164.6024
287
188.5027
337
210.2370
387
230.1655
238
165.1045
288
188.9573
338
210.6522
388
230.5476
239
165.6055
289
189.4110
339
211.0667
389
230.9292
240
166.1055
290
189.8638
340
211.4805
390
231.3101
241
166.6045
291
190.3158
341
211.8936
391
231.6905
242
167.1024
292
190.7669
342
212.3060
392
232.0702
243
167.5993
293
191.2172
343
212.7177
393
232.4494
244
168.0952
294
191.6666
344
213.1286
394
232.8279
245
168.5900
295
192.1152
345
213.5389
395
233.2059
246
169.0839
296
192.5630
346
213.9484
396
233.5832
247
169.5767
297
193.0099
347
214.3573
397
233.9600
248
170.0685
298
193.4560
348
214.7654
398
234.3362
249
170.5593
299
193.9013
349
215.1729
399
234.7118
250
171.0491
300
194.3457
350
215.5797
400
235.0868
취업월수
호프만계수
취업월수
호프만계수
취업월수
호프만계수
취업월수
호프만계수
401
235.4612
451
253.4741
501
270.2290
551
285.8901
402
235.8350
452
253.8210
502
270.5525
552
286.1932
403
236.2083
453
254.1673
503
270.8755
553
286.4958
404
236.5809
454
254.5131
504
271.1981
554
286.7981
405
236.9530
455
254.8584
505
271.5202
555
287.1000
406
237.3245
456
255.2032
506
271.8419
556
287.4015
407
237.6955
457
255.5476
507
272.1632
557
287.7026
408
238.0659
458
255.8914
508
272.4841
558
288.0034
409
238.4357
459
256.2348
509
272.8045
559
288.3037
410
238.8049
460
256.5776
510
273.1245
560
288.6037
411
239.1736
461
256.9200
511
273.4441
561
288.9034
412
239.5417
462
257.2619
512
273.7632
562
289.2026
413
239.9092
463
257.6033
513
274.0819
563
289.5015
414
240.2762
464
257.9442
514
274.4002
564
289.8000
415
240.6426
465
258.2846
515
274.7181
565
290.0981
416
241.0084
466
258.6245
516
275.0356
566
290.3959
417
241.3737
467
258.9640
517
275.3526
567
290.6933
418
241.7385
468
259.3030
518
275.6692
568
290.9903
419
242.1027
469
259.6415
519
275.9855
569
291.2870
420
242.4663
470
259.9795
520
276.3012
570
291.5833
421
242.8294
471
260.3171
521
276.6166
571
291.8792
422
243.1919
472
260.6542
522
276.9316
572
292.1748
423
243.5539
473
260.9908
523
277.2461
573
292.4700
424
243.9153
474
261.3269
524
277.5603
574
292.7648
425
244.2763
475
261.6626
525
277.8740
575
293.0593
426
244.6366
476
261.9978
526
278.1873
576
293.3534
427
244.9964
477
262.3325
527
278.5002
577
293.6472
428
245.3557
478
262.6667
528
278.8127
578
293.9406
429
245.7145
479
263.0005
529
279.1248
579
294.2336
430
246.0727
480
263.3339
530
279.4365
580
294.5263
431
246.4303
481
263.6667
531
279.7478
581
294.8186
432
246.7875
482
263.9992
532
280.0587
582
295.1106
433
247.1441
483
264.3311
533
280.3691
583
295.4022
434
247.5002
484
264.6626
534
280.6792
584
295.6935
435
247.8557
485
264.9936
535
280.9889
585
295.9844
436
248.2108
486
265.3242
536
281.2982
586
296.2750
437
248.5653
487
265.6543
537
281.6070
587
296.5652
438
248.9193
488
265.9840
538
281.9155
588
296.8550
439
249.2727
489
266.3132
539
282.2236
589
297.1445
440
249.6257
490
266.6420
540
282.5313
590
297.4337
441
249.9781
491
266.9703
541
282.8386
591
297.7225
442
250.3300
492
267.2982
542
283.1455
592
298.0109
443
250.6814
493
267.6256
543
283.4520
593
298.2991
444
251.0323
494
267.9526
544
283.7581
594
298.5868
445
251.3826
495
268.2791
545
284.0639
595
298.8743
446
251.7325
496
268.6052
546
284.3692
596
299.1613
447
252.0818
497
268.9308
547
284.6742
597
299.4481
448
252.4307
498
269.2560
548
284.9787
598
299.7345
449
252.7790
499
269.5808
549
285.2829
599
300.0205
450
253.1268
500
269.9051
550
285.5867
600
300.3062
취업월수
호프만계수
취업월수
호프만계수
취업월수
호프만계수
취업월수
호프만계수
601
300.5916
651
314.4443
701
327.5408
751
339.9595
602
300.8766
652
314.7133
702
327.7956
752
340.2014
603
301.1613
653
314.9821
703
328.0501
753
340.4431
604
301.4457
654
315.2505
704
328.3043
754
340.6846
605
301.7297
655
315.5187
705
328.5583
755
340.9258
606
302.0134
656
315.7866
706
328.8120
756
341.1668
607
302.2968
657
316.0541
707
329.0654
757
341.4075
608
302.5798
658
316.3214
708
329.3186
758
341.6480
609
302.8625
659
316.5883
709
329.5715
759
341.8882
610
303.1448
660
316.8550
710
329.8241
760
342.1282
611
303.4268
661
317.1214
711
330.0765
761
342.3680
612
303.7085
662
317.3875
712
330.3286
762
342.6075
613
303.9899
663
317.6532
713
330.5804
763
342.8468
614
304.2709
664
317.9187
714
330.8320
764
343.0858
615
304.5516
665
318.1839
715
331.0833
765
343.3246
616
304.8320
666
318.4488
716
331.3344
766
343.5632
617
305.1121
667
318.7134
717
331.5851
767
343.8015
618
305.3918
668
318.9777
718
331.8357
768
344.0396
619
305.6712
669
319.2418
719
332.0859
769
344.2775
620
305.9502
670
319.5055
720
332.3359
770
344.5151
621
306.2290
671
319.7690
721
332.5857
771
344.7525
622
306.5074
672
320.0321
722
332.8351
772
344.9896
623
306.7855
673
320.2950
723
333.0844
773
345.2266
624
307.0633
674
320.5576
724
333.3333
774
345.4632
625
307.3407
675
320.8199
725
333.5820
775
345.6997
626
307.6179
676
321.0819
726
333.8305
776
345.9359
627
307.8947
677
321.3436
727
334.0787
777
346.1719
628
308.1712
678
321.6050
728
334.3266
778
346.4077
629
308.4474
679
321.8662
729
334.5743
779
346.6432
630
308.7232
680
322.1270
730
334.8217
780
346.8785
631
308.9988
681
322.3876
731
335.0689
781
347.1135
632
309.2740
682
322.6479
732
335.3158
782
347.3484
633
309.5489
683
322.9080
733
335.5624
783
347.5830
634
309.8235
684
323.1677
734
335.8089
784
347.8174
635
310.0978
685
323.4272
735
336.0550
785
348.0515
636
310.3718
686
323.6863
736
336.3009
786
348.2854
637
310.6454
687
323.9452
737
336.5466
787
348.5191
638
310.9188
688
324.2039
738
336.7920
788
348.7526
639
311.1918
689
324.4622
739
337.0371
789
348.9858
640
311.4646
690
324.7203
740
337.2820
790
349.2188
641
311.7370
691
324.9781
741
337.5266
791
349.4516
642
312.0091
692
325.2356
742
337.7710
792
349.6842
643
312.2809
693
325.4928
743
338.0152
793
349.9165
644
312.5524
694
325.7498
744
338.2591
794
350.1486
645
312.8236
695
326.0064
745
338.5028
795
350.3805
646
313.0944
696
326.2629
746
338.7462
796
350.6121
647
313.3650
697
326.5190
747
338.9893
797
350.8436
648
313.6353
698
326.7749
748
339.2322
798
351.0748
649
313.9052
699
327.0304
749
339.4749
799
351.3058
650
314.1749
700
327.2858
750
339.7173
800
351.5366

[ 라이프니계수 ]
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
1
0.9958
51
45.8598
101
82.3023
151
111.9040
2
1.9875
52
46.6653
102
82.9566
152
112.4355
3
2.9751
53
47.4676
103
83.6082
153
112.9649
4
3.9586
54
48.2665
104
84.2572
154
113.4920
5
4.9381
55
49.0620
105
84.9034
155
114.0169
6
5.9134
56
49.8543
106
85.5469
156
114.5397
7
6.8847
57
50.6433
107
86.1878
157
115.0602
8
7.8520
58
51.4290
108
86.8261
158
115.5787
9
8.8153
59
52.2115
109
87.4616
159
116.0949
10
9.7746
60
52.9907
110
88.0946
160
116.6091
11
10.7298
61
53.7666
111
88.7249
161
117.1211
12
11.6812
62
54.5394
112
89.3526
162
117.6309
13
12.6286
63
55.3089
113
89.9777
163
118.1387
14
13.5720
64
56.0753
114
90.6002
164
118.6443
15
14.5115
65
56.8385
115
91.2201
165
119.1479
16
15.4472
66
57.5985
116
91.8374
166
119.6493
17
16.3789
67
58.3553
117
92.4522
167
120.1487
18
17.3068
68
59.1090
118
93.0644
168
120.6460
19
18.2309
69
59.8596
119
93.6741
169
121.1413
20
19.1511
70
60.6071
120
94.2813
170
121.6345
21
20.0674
71
61.3514
121
94.8859
171
122.1256
22
20.9800
72
62.0927
122
95.4881
172
122.6147
23
21.8888
73
62.8309
123
96.0877
173
123.1018
24
22.7938
74
63.5661
124
96.6849
174
123.5868
25
23.6951
75
64.2982
125
97.2795
175
124.0699
26
24.5926
76
65.0272
126
97.8717
176
124.5509
27
25.4865
77
65.7532
127
98.4615
177
125.0300
28
26.3766
78
66.4763
128
99.0488
178
125.5070
29
27.2630
79
67.1963
129
99.6336
179
125.9821
30
28.1457
80
67.9133
130
100.2161
180
126.4552
31
29.0247
81
68.6274
131
100.7961
181
126.9263
32
29.9002
82
69.3384
132
101.3737
182
127.3955
33
30.7719
83
70.0466
133
101.9489
183
127.8628
34
31.6401
84
70.7518
134
102.5217
184
128.3281
35
32.5047
85
71.4541
135
103.0922
185
128.7914
36
33.3657
86
72.1534
136
103.6603
186
129.2529
37
34.2231
87
72.8499
137
104.2260
187
129.7124
38
35.0769
88
73.5434
138
104.7894
188
130.1700
39
35.9272
89
74.2341
139
105.3504
189
130.6258
40
36.7740
90
74.9220
140
105.9091
190
131.0796
41
37.6172
91
75.6069
141
106.4655
191
131.5315
42
38.4570
92
76.2891
142
107.0196
192
131.9816
43
39.2933
93
76.9684
143
107.5714
193
132.4298
44
40.1261
94
77.6448
144
108.1209
194
132.8762
45
40.9554
95
78.3185
145
108.6681
195
133.3207
46
41.7814
96
78.9894
146
109.2130
196
133.7633
47
42.6038
97
79.6575
147
109.7557
197
134.2041
48
43.4229
98
80.3228
148
110.2961
198
134.6431
49
44.2386
99
80.9854
149
110.8343
199
135.0803
50
45.0509
100
81.6452
150
111.3703
200
135.5156
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
201
135.9492
251
155.4808
301
171.3461
351
184.2332
202
136.3809
252
155.8315
302
171.6309
352
184.4646
203
136.8109
253
156.1807
303
171.9146
353
184.6951
204
137.2391
254
156.5285
304
172.1971
354
184.9245
205
137.6655
255
156.8749
305
172.4785
355
185.1531
206
138.0901
256
157.2198
306
172.7586
356
185.3806
207
138.5129
257
157.5633
307
173.0376
357
185.6073
208
138.9340
258
157.9053
308
173.3155
358
185.8330
209
139.3534
259
158.2460
309
173.5922
359
186.0577
210
139.7710
260
158.5852
310
173.8677
360
186.2816
211
140.1869
261
158.9230
311
174.1422
361
186.5045
212
140.6011
262
159.2595
312
174.4154
362
186.7264
213
141.0135
263
159.5945
313
174.6876
363
186.9475
214
141.4243
264
159.9281
314
174.9586
364
187.1676
215
141.8333
265
160.2604
315
175.2284
365
187.3868
216
142.2406
266
160.5912
316
175.4972
366
187.6052
217
142.6463
267
160.9207
317
175.7649
367
187.8226
218
143.0502
268
161.2489
318
176.0314
368
188.0391
219
143.4525
269
161.5756
319
176.2968
369
188.2547
220
143.8531
270
161.9010
320
176.5611
370
188.4694
221
144.2521
271
162.2251
321
176.8244
371
188.6832
222
144.6493
272
162.5478
322
177.0865
372
188.8961
223
145.0450
273
162.8692
323
177.3476
373
189.1082
224
145.4390
274
163.1892
324
177.6075
374
189.3194
225
145.8314
275
163.5080
325
177.8664
375
189.5296
226
146.2221
276
163.8253
326
178.1242
376
189.7391
227
146.6112
277
164.1414
327
178.3810
377
189.9476
228
146.9987
278
164.4562
328
178.6367
378
190.1553
229
147.3846
279
164.7696
329
178.8913
379
190.3621
230
147.7689
280
165.0818
330
179.1449
380
190.5681
231
148.1516
281
165.3927
331
179.3974
381
190.7732
232
148.5327
282
165.7022
332
179.6488
382
190.9775
233
148.9123
283
166.0105
333
179.8992
383
191.1809
234
149.2902
284
166.3175
334
180.1486
384
191.3834
235
149.6666
285
166.6233
335
180.3970
385
191.5852
236
150.0414
286
166.9277
336
180.6443
386
191.7861
237
150.4147
287
167.2310
337
180.8906
387
191.9861
238
150.7864
288
167.5329
338
181.1358
388
192.1854
239
151.1566
289
167.8336
339
181.3801
389
192.3838
240
151.5253
290
168.1330
340
181.6233
390
192.5813
241
151.8924
291
168.4312
341
181.8656
391
192.7781
242
152.2580
292
168.7282
342
182.1068
392
192.9740
243
152.6220
293
169.0239
343
182.3470
393
193.1692
244
152.9846
294
169.3184
344
182.5862
394
193.3635
245
153.3457
295
169.6117
345
182.8245
395
193.5570
246
153.7052
296
169.9038
346
183.0617
396
193.7497
247
154.0633
297
170.1947
347
183.2980
397
193.9416
248
154.4199
298
170.4843
348
183.5332
398
194.1327
249
154.7750
299
170.7727
349
183.7675
399
194.3230
250
155.1286
300
171.0600
350
184.0009
400
194.5126
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
401
194.7013
451
203.2044
501
210.1114
551
215.7218
402
194.8893
452
203.3571
502
210.2354
552
215.8226
403
195.0765
453
203.5091
503
210.3589
553
215.9229
404
195.2629
454
203.6606
504
210.4819
554
216.0228
405
195.4485
455
203.8113
505
210.6044
555
216.1223
406
195.6334
456
203.9615
506
210.7264
556
216.2214
407
195.8174
457
204.1110
507
210.8478
557
216.3200
408
196.0008
458
204.2600
508
210.9688
558
216.4183
409
196.1833
459
204.4083
509
211.0893
559
216.5161
410
196.3652
460
204.5559
510
211.2092
560
216.6136
411
196.5462
461
204.7030
511
211.3287
561
216.7106
412
196.7265
462
204.8495
512
211.4476
562
216.8073
413
196.9061
463
204.9953
513
211.5661
563
216.9035
414
197.0849
464
205.1406
514
211.6841
564
216.9993
415
197.2630
465
205.2852
515
211.8016
565
217.0948
416
197.4403
466
205.4293
516
211.9186
566
217.1898
417
197.6169
467
205.5727
517
212.0351
567
217.2845
418
197.7928
468
205.7156
518
212.1512
568
217.3787
419
197.9679
469
205.8578
519
212.2667
569
217.4726
420
198.1423
470
205.9995
520
212.3818
570
217.5661
421
198.3160
471
206.1406
521
212.4964
571
217.6591
422
198.4889
472
206.2811
522
212.6105
572
217.7518
423
198.6612
473
206.4210
523
212.7242
573
217.8442
424
198.8327
474
206.5603
524
212.8373
574
217.9361
425
199.0035
475
206.6991
525
212.9500
575
218.0276
426
199.1736
476
206.8372
526
213.0623
576
218.1188
427
199.3430
477
206.9748
527
213.1741
577
218.2096
428
199.5117
478
207.1119
528
213.2854
578
218.3000
429
199.6798
479
207.2483
529
213.3962
579
218.3901
430
199.8471
480
207.3842
530
213.5066
580
218.4797
431
200.0137
481
207.5196
531
213.6165
581
218.5690
432
200.1796
482
207.6543
532
213.7260
582
218.6579
433
200.3448
483
207.7886
533
213.8350
583
218.7465
434
200.5094
484
207.9222
534
213.9436
584
218.8347
435
200.6732
485
208.0553
535
214.0517
585
218.9225
436
200.8364
486
208.1879
536
214.1594
586
219.0100
437
200.9989
487
208.3199
537
214.2666
587
219.0971
438
201.1607
488
208.4513
538
214.3734
588
219.1838
439
201.3219
489
208.5822
539
214.4797
589
219.2702
440
201.4824
490
208.7126
540
214.5856
590
219.3562
441
201.6422
491
208.8424
541
214.6911
591
219.4419
442
201.8014
492
208.9717
542
214.7961
592
219.5272
443
201.9599
493
209.1005
543
214.9007
593
219.6121
444
202.1177
494
209.2287
544
215.0048
594
219.6967
445
202.2749
495
209.3563
545
215.1085
595
219.7809
446
202.4314
496
209.4835
546
215.2118
596
219.8648
447
202.5873
497
209.6101
547
215.3147
597
219.9484
448
202.7426
498
209.7362
548
215.4171
598
220.0316
449
202.8972
499
209.8618
549
215.5191
599
220.1144
450
203.0511
500
209.9869
550
215.6207
600
220.1970
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
취업월수
라이프니쯔계수
601
220.2791
651
223.9810
701
226.9879
751
229.4304
602
220.3610
652
224.0474
702
227.0419
752
229.4743
603
220.4425
653
224.1136
703
227.0957
753
229.5180
604
220.5236
654
224.1795
704
227.1492
754
229.5615
605
220.6044
655
224.2452
705
227.2026
755
229.6048
606
220.6849
656
224.3106
706
227.2557
756
229.6479
607
220.7650
657
224.3757
707
227.3085
757
229.6909
608
220.8449
658
224.4405
708
227.3612
758
229.7336
609
220.9243
659
224.5051
709
227.4136
759
229.7762
610
221.0035
660
224.5694
710
227.4659
760
229.8187
611
221.0823
661
224.6334
711
227.5179
761
229.8609
612
221.1608
662
224.6971
712
227.5697
762
229.9030
613
221.2390
663
224.7606
713
227.6212
763
229.9449
614
221.3168
664
224.8239
714
227.6726
764
229.9866
615
221.3943
665
224.8868
715
227.7238
765
230.0281
616
221.4716
666
224.9496
716
227.7747
766
230.0695
617
221.5484
667
225.0120
717
227.8254
767
230.1107
618
221.6250
668
225.0742
718
227.8759
768
230.1518
619
221.7012
669
225.1361
719
227.9262
769
230.1926
620
221.7772
670
225.1978
720
227.9763
770
230.2333
621
221.8528
671
225.2592
721
228.0262
771
230.2738
622
221.9281
672
225.3204
722
228.0759
772
230.3142
623
222.0031
673
225.3813
723
228.1254
773
230.3544
624
222.0777
674
225.4420
724
228.1747
774
230.3944
625
222.1521
675
225.5024
725
228.2237
775
230.4343
626
222.2262
676
225.5625
726
228.2726
776
230.4740
627
222.2999
677
225.6224
727
228.3213
777
230.5135
628
222.3734
678
225.6821
728
228.3697
778
230.5529
629
222.4465
679
225.7415
729
228.4180
779
230.5921
630
222.5193
680
225.8007
730
228.4660
780
230.6311
631
222.5919
681
225.8596
731
228.5139
781
230.6700
632
222.6641
682
225.9183
732
228.5616
782
230.7087
633
222.7360
683
225.9767
733
228.6090
783
230.7472
634
222.8077
684
226.0349
734
228.6563
784
230.7856
635
222.8790
685
226.0928
735
228.7034
785
230.8239
636
222.9500
686
226.1505
736
228.7502
786
230.8619
637
223.0208
687
226.2080
737
228.7969
787
230.8999
638
223.0912
688
226.2652
738
228.8434
788
230.9376
639
223.1614
689
226.3222
739
228.8897
789
230.9752
640
223.2313
690
226.3790
740
228.9358
790
231.0127
641
223.3009
691
226.4355
741
228.9817
791
231.0500
642
223.3701
692
226.4918
742
229.0274
792
231.0871
643
223.4392
693
226.5478
743
229.0729
793
231.1241
644
223.5079
694
226.6036
744
229.1183
794
231.1609
645
223.5763
695
226.6592
745
229.1634
795
231.1976
646
223.6444
696
226.7146
746
229.2084
796
231.2341
647
223.7123
697
226.7697
747
229.2532
797
231.2705
648
223.7799
698
226.8246
748
229.2978
798
231.3067
649
223.8472
699
226.8793
749
229.3422
799
231.3428
650
223.9142
700
226.9337
750
229.3864
800
231.3787
 
   경과년수표

경과년수표란 일정기간 후의 금액을 현재의 금액으로 환산할 때 사용하는 계수이다. 즉 해당기간만큼에 년5%의 이자를 미리 공제해둔 수치이다. 따라서 그 때의 금액에 경과년수표의 수치를 곱하면 현재의 환산금액이 된다

경과년수

호프만계수

라이프니쯔
계수

경과년수

호프만계수

라이프니쯔
계수

경과년수

호프만계수

라이프니쯔
계수

1

  0.9523

  0.9523

35

  0.3636

  0.1812

69

  0.2247

  0.0345

2

  0.9090

  0.9070

36

  0.3571

  0.1726

70

  0.2222

  0.0328

3

  0.8695

  0.8638

37

  0.3508

  0.1644

71

  0.2197

  0.0313

4

  0.8333

  0.8227

38

  0.3448

  0.1566

72

  0.2173

  0.0298

5

  0.8000

  0.7835

39

  0.3389

  0.1491

73

  0.2150

 

6

  0.7692

  0.7462

40

  0.3333

  0.1420

74

  0.2127

 

7

  0.7407

  0.7106

41

  0.3278

  0.1352

75

  0.2105

 

8

  0.7142

  0.6768

42

  0.3225

  0.1288

76

  0.2083

 

9

  0.6896

  0.6446

43  

  0.3714

  0.1227

77

  0.2061

 

10

  0.6666

  0.6139

44

  0.3125

  0.1168

78

  0.2041

 

11

  0.6451

  0.5846

45

  0.3076

  0.1112

79

  0.2020

 

12

  0.6250

  0.5568

46

  0.3030

  0.1059

80

  0.2000

 

13

  0.6060

  0.5303

47

  0.2985

  0.1009

81

  0.1980

 

14

  0.5882

  0.5050

48

  0.2941

  0.0961

82

  0.1960

 

15

  0.5714

  0.4810

49

  0.2898

  0.0915

83

  0.1941

 

16

  0.5555

  0.4581

50

  0.2857

  0.0872

84

  0.1923

 

17

  0.5405

  0.4362

51

  0.2816

  0.0830

85

  0.1904

 

18

  0.5263

  0.4155

52

  0.2777

  0.0790

86

  0.1886

 

19

  0.5128

  0.3957

53

  0.2739

  0.0753

87

  0.1869

 

20

  0.5000

  0.3768

54

  0.2702

  0.0717

88

  0.1851

 

21

  0.4878

  0.3589

55

  0.2666

  0.0683

89

  0.1834

 

22

  0.4761

  0.3418

56

  0.2631

  0.0650

90

  0.1818

 

23

  0.4651

  0.3255

57

  0.2597

  0.0619

91

  0.1801

 

24

  0.4545

  0.3100

58

  0.2564

  0.0590

92

  0.1785

 

25

  0.4444

  0.2953

59

  0.2531

  0.0562

93

  0.1769

 

26

  0.4347

  0.2812

60

  0.2500

  0.0535

94

  0.1754

 

27

  0.4255

  0.2678

61

  0.2469

  0.0509

95

  0.1739

 

28

  0.4166

  0.2550

62

  0.2439

  0.0485

96

  0.1724

 

29

  0.4081

  0.2429

63

  0.2409

  0.0462

97

  0.1709

 

30

  0.4000

  0.2313

64

  0.2380

  0.0440

98

  0.1694

 

31

  0.3921

  0.2203

65

  0.2352

  0.0419

99

  0.1680

 

32

  0.3846

  0.2098

66

  0.2325

  0.0399

100

  0.1666

 

33

  0.3773

  0.1998

67

  0.2298

  0.0380

 

 

 

34

  0.3703

  0.1903

68

  0.2272

  0.0362

 

 

 

 
 
 
 
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