複利終值係數

複利終值係數

複利終值係數(即複利)是指在每經過一個計息期後,都要將所生利息加入本金,以計算下期的利息。這樣,在每一計息期,上一個計息期的利息都要成為生息的本金,即以利生利,也就是俗稱的“利滾利”。

複利的計算是對本金及其產生的利息一併計算,也就是利上有利。

複利計算的特點:把上期未的本利和作為下一期的本金,在計算時每一期本金的數額是不同的。

基本介紹

  • 中文名:複利終值係數
  • 公式:(1+i)^n
計算公式,終值係數,係數表,舉例,

計算公式

複利的計算公式:F=P*(1+i)^n
F—終值(n期末的資金價值或本利和,Future Value),指資金髮生在(或折算為)某一特定時間序列終點時的價值;
P—現值(即現在的資金價值或本金,Present Value),指資金髮生在(或折算為)某一特定時間序列起點時的價值;
i—計息周期複利率;
n—計息周期數。

終值係數

式中(1+i)^n成為一次支付終值係數,可通過複利終值係數表查得。

係數表

期數
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
1
1.01
1.02
1.03
1.04
1.05
1.06
1.07
1.08
1.09
1.1
2
1.0201
1.0404
1.0609
1.0816
1.1025
1.1236
1.1449
1.1664
1.1881
1.21
3
1.0303
1.0612
1.0927
1.1249
1.1576
1.191
1.225
1.2597
1.295
1.331
4
1.0406
1.0824
1.1255
1.1699
1.2155
1.2625
1.3108
1.3605
1.4116
1.4641
5
1.051
1.1041
1.1593
1.2167
1.2763
1.3382
1.4026
1.4693
1.5386
1.6105
6
1.0615
1.1262
1.1941
1.2653
1.3401
1.4185
1.5007
1.5869
1.6771
1.7716
7
1.0721
1.1487
1.2299
1.3159
1.4071
1.5036
1.6058
1.7138
1.828
1.9487
8
1.0829
1.1717
1.2668
1.3686
1.4775
1.5938
1.7182
1.8509
1.9926
2.1436
9
1.0937
1.1951
1.3048
1.4233
1.5513
1.6895
1.8385
1.999
2.1719
2.3579
10
1.1046
1.219
1.3439
1.4802
1.6289
1.7908
1.9672
2.1589
2.3674
2.5937
11
1.1157
1.2434
1.3842
1.5395
1.7103
1.8983
2.1049
2.3316
2.5804
2.8531
12
1.1268
1.2682
1.4258
1.601
1.7959
2.0122
2.2522
2.5182
2.8127
3.1384
13
1.1381
1.2936
1.4685
1.6651
1.8856
2.1329
2.4098
2.7196
3.0658
3.4523
14
1.1495
1.3195
1.5126
1.7317
1.9799
2.2609
2.5785
2.9372
3.3417
3.7975
15
1.161
1.3459
1.558
1.8009
2.0789
2.3966
2.759
3.1722
3.6425
4.1772
16
1.1726
1.3728
1.6047
1.873
2.1829
2.5404
2.9522
3.4259
3.9703
4.595
17
1.1843
1.4002
1.6528
1.9479
2.292
2.6928
3.1588
3.7
4.3276
5.0545
18
1.1961
1.4282
1.7024
2.0258
2.4066
2.8543
3.3799
3.996
4.7171
5.5599
19
1.2081
1.4568
1.7535
2.1068
2.527
3.0256
3.6165
4.3157
5.1417
6.1159
20
1.2202
1.4859
1.8061
2.1911
2.6533
3.2071
3.8697
4.661
5.6044
6.7275
21
1.2324
1.5157
1.8603
2.2788
2.786
3.3996
4.1406
5.0338
6.1088
7.4002
22
1.2447
1.546
1.9161
2.3699
2.9253
3.6035
4.4304
5.4365
6.6586
8.1403
23
1.2572
1.5769
1.9736
2.4647
3.0715
3.8197
4.7405
5.8715
7.2579
8.9543
24
1.2697
1.6084
2.0328
2.5633
3.2251
4.0489
5.0724
6.3412
7.9111
9.8497
25
1.2824
1.6406
2.0938
2.6658
3.3864
4.2919
5.4274
6.8485
8.6231
10.8347
26
1.2953
1.6734
2.1566
2.7725
3.5557
4.5494
5.8074
7.3964
9.3992
11.9182
27
1.3082
1.7069
2.2213
2.8834
3.7335
4.8223
6.2139
7.9881
10.2451
13.11
28
1.3213
1.741
2.2879
2.9987
3.9201
5.1117
6.6488
8.6271
11.1671
14.421
29
1.3345
1.7758
2.3566
3.1187
4.1161
5.4184
7.1143
9.3173
12.1722
15.8631
30
1.3478
1.8114
2.4273
3.2434
4.3219
5.7435
7.6123
10.0627
13.2677
17.4494
期數
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
1
1.11
1.12
1.13
1.14
1.15
1.16
1.17
1.18
1.19
1.2
2
1.2321
1.2544
1.2769
1.2996
1.3225
1.3456
1.3689
1.3924
1.4161
1.44
3
1.3676
1.4049
1.4429
1.4815
1.5209
1.5609
1.6016
1.643
1.6852
1.728
4
1.5181
1.5735
1.6305
1.689
1.749
1.8106
1.8739
1.9388
2.0053
2.0736
5
1.6851
1.7623
1.8424
1.9254
2.0114
2.1003
2.1924
2.2878
2.3864
2.4883
6
1.8704
1.9738
2.082
2.195
2.3131
2.4364
2.5652
2.6996
2.8398
2.986
7
2.0762
2.2107
2.3526
2.5023
2.66
2.8262
3.0012
3.1855
3.3793
3.5832
8
2.3045
2.476
2.6584
2.8526
3.059
3.2784
3.5115
3.7589
4.0214
4.2998
9
2.558
2.7731
3.004
3.2519
3.5179
3.803
4.1084
4.4355
4.7854
5.1598
10
2.8394
3.1058
3.3946
3.7072
4.0456
4.4114
4.8068
5.2338
5.6947
6.1917
11
3.1518
3.4786
3.8359
4.2262
4.6524
5.1173
5.624
6.1759
6.7767
7.4301
12
3.4985
3.896
4.3345
4.8179
5.3503
5.936
6.5801
7.2876
8.0642
8.9161
13
3.8833
4.3635
4.898
5.4924
6.1528
6.8858
7.6987
8.5994
9.5964
10.6993
14
4.3104
4.8871
5.5348
6.2613
7.0757
7.9875
9.0075
10.1472
11.4198
12.8392
15
4.7846
5.4736
6.2543
7.1379
8.1371
9.2655
10.5387
11.9737
13.5895
15.407
16
5.3109
6.1304
7.0673
8.1372
9.3576
10.748
12.3303
14.129
16.1715
18.4884
17
5.8951
6.866
7.9861
9.2765
10.7613
12.4677
14.4265
16.6722
19.2441
22.1861
18
6.5436
7.69
9.0243
10.5752
12.3755
14.4625
16.879
19.6733
22.9005
26.6233
19
7.2633
8.6128
10.1974
12.0557
14.2318
16.7765
19.7484
23.2144
27.2516
31.948
20
8.0623
9.6463
11.5231
13.7435
16.3665
19.4608
23.1056
27.393
32.4294
38.3376
21
8.9492
10.8038
13.0211
15.6676
18.8215
22.5745
27.0336
32.3238
38.591
46.0051
22
9.9336
12.1003
14.7138
17.861
21.6447
26.1864
31.6293
38.1421
45.9233
55.2061
23
11.0263
13.5523
16.6266
20.3616
24.8915
30.3762
37.0062
45.0076
54.6487
66.2474
24
12.2392
15.1786
18.7881
23.2122
28.6252
35.2364
43.2973
53.109
65.032
79.4968
25
13.5855
17.0001
21.2305
26.4619
32.919
40.8742
50.6578
62.6686
77.3881
95.3962
26
15.0799
19.0401
23.9905
30.1666
37.8568
47.4141
59.2697
73.949
92.0918
114.4755
27
16.7387
21.3249
27.1093
34.3899
43.5353
55.0004
69.3455
87.2598
109.5893
137.3706
28
18.5799
23.8839
30.6335
39.2045
50.0656
63.8004
81.1342
102.9666
130.4112
164.8447
29
20.6237
26.7499
34.6158
44.6931
57.5755
74.0085
94.9271
121.5005
155.1893
197.8136
30
22.8923
29.9599
39.1159
50.9502
66.2118
85.8499
111.0647
143.3706
184.6753
237.3763
期數
21%
22%
23%
24%
25%
26%
27%
28%
29%
30%
1
1.21
1.22
1.23
1.24
1.25
1.26
1.27
1.28
1.29
1.3
2
1.4641
1.4884
1.5129
1.5376
1.5625
1.5876
1.6129
1.6384
1.6641
1.69
3
1.7716
1.8158
1.8609
1.9066
1.9531
2.0004
2.0484
2.0972
2.1467
2.197
4
2.1436
2.2153
2.2889
2.3642
2.4414
2.5205
2.6014
2.6844
2.7692
2.8561
5
2.5937
2.7027
2.8153
2.9316
3.0518
3.1758
3.3038
3.436
3.5723
3.7129
6
3.1384
3.2973
3.4628
3.6352
3.8147
4.0015
4.1959
4.398
4.6083
4.8268
7
3.7975
4.0227
4.2593
4.5077
4.7684
5.0419
5.3288
5.6295
5.9447
6.2749
8
4.595
4.9077
5.2389
5.5895
5.9605
6.3528
6.7675
7.2058
7.6686
8.1573
9
5.5599
5.9874
6.4439
6.931
7.4506
8.0045
8.5948
9.2234
9.8925
10.6045
10
6.7275
7.3046
7.9259
8.5944
9.3132
10.0857
10.9153
11.8059
12.7614
13.7858
11
8.1403
8.9117
9.7489
10.6571
11.6415
12.708
13.8625
15.1116
16.4622
17.9216
12
9.8497
10.8722
11.9912
13.2148
14.5519
16.012
17.6053
19.3428
21.2362
23.2981
13
11.9182
13.2641
14.7491
16.3863
18.1899
20.1752
22.3588
24.7588
27.3947
30.2875
14
14.421
16.1822
18.1414
20.3191
22.7374
25.4207
28.3957
31.6913
35.3391
39.3738
15
17.4494
19.7423
22.314
25.1956
28.4217
32.0301
36.0625
40.5648
45.5875
51.1859
16
21.1138
24.0856
27.4462
31.2426
35.5271
40.3579
45.7994
51.923
58.8079
66.5417
17
25.5477
29.3844
33.7588
38.7408
44.4089
50.851
58.1652
66.4614
75.8621
86.5042
18
30.9127
35.849
41.5233
48.0386
55.5112
64.0722
73.8698
85.0706
97.8622
112.4554
19
37.4043
43.7358
51.0737
59.5679
69.3889
80.731
93.8147
108.8904
126.2422
146.192
20
45.2593
53.3576
62.8206
73.8641
86.7362
101.7211
119.1446
139.3797
162.8524
190.0496
21
54.7637
65.0963
77.2694
91.5915
108.4202
128.1685
151.3137
178.406
210.0796
247.0645
22
66.2641
79.4175
95.0413
113.5735
135.5253
161.4924
192.1683
228.3596
271.0027
321.1839
23
80.1795
96.8894
116.9008
140.8312
169.4066
203.4804
244.0538
292.3003
349.5935
417.5391
24
97.0172
118.205
143.788
174.6306
211.7582
256.3853
309.9483
374.1444
450.9756
542.8008
25
117.3909
144.2101
176.8593
216.542
264.6978
323.0454
393.6344
478.9049
581.7585
705.641
26
142.0429
175.9364
217.5369
268.5121
330.8722
407.0373
499.9157
612.9982
750.4685
917.3333
27
171.8719
214.6424
267.5704
332.955
413.5903
512.867
634.8929
784.6377
968.1044
1192.5333
28
207.9651
261.8637
329.1115
412.8642
516.9879
646.2124
806.314
1004.3363
1248.8546
1550.2933
29
251.6377
319.4737
404.8072
511.9516
646.2349
814.2276
1024.0187
1285.5504
1611.0225
2015.3813
30
304.4816
389.7579
497.9129
634.8199
807.7936
1025.9267
1300.5038
1645.5046
2078.219
2619.9956

舉例

例如:本金為50000元,利率或者投資回報率為8%,投資年限為10年,那么,10年後所得到的本利和,按複利計算公式來計算就是:
F=50000×(1+8%)^10=50000*2.1589(查表得)=107945

相關詞條

熱門詞條

聯絡我們