Search
Close this search box.
NiuNiu on Table of Content
目录

复利终值系数表完整版

复利终值是理解资金增长的关键财务概念。它展示了一笔钱如何在一定时间内通过复利方式获得增值。让我们通过一个简单的例子来阐述这个概念。

设想您存入了1000元到一个年利率为5%的账户。在复利计算下,第一年末,您的存款增长了5%,即增加了50元,变成了1050元。复利的特点在于,第二年的利息不仅计算在最初的1000元上,还包括第一年赚得的50元。因此,第二年末,您的存款已经增加到1050元,会赚得5%的利息,即52.5元,使总额增至1102.5元。随着每年的复利计算,您的本金逐渐增加,利息也在这个增加的本金上计算,加速了资金的增长速度。

复利的关键在于“利滚利”效应:即使利率固定,随着时间推移,由于利息是在逐年增加的本金上计算的,您的总资金将以更快的速度增长。

要快速计算复利增长的结果,可以使用复利终值系数(FVIF)公式。该公式为:

FVIF = (1 + r)^n

这里,

r 表示每期的利率(年复利就是年利率,月复利就是月利率),

n 表示投资期数(年复利是总年数,月复利是总月数)。使用这个公式,我们可以轻松算出在特定的利率和投资时间下,本金会增长到什么程度。

复利终值系数表 - 封面

下面是完整的复利终值系数表:

表1: 利率r = 1%-5%, 期数n = 1-25

期数1%2%3%4%5%
11.01001.02001.03001.04001.0500
21.02011.04041.06091.08161.1025
31.03031.06121.09271.12491.1576
41.04061.08241.12551.16991.2155
51.05101.10411.15931.21671.2763
61.06151.12621.19411.26531.3401
71.07211.14871.22991.31591.4071
81.08291.17171.26681.36861.4775
91.09371.19511.30481.42331.5513
101.10461.21901.34391.48021.6289
111.11571.24341.38421.53951.7103
121.12681.26821.42581.60101.7959
131.13811.29361.46851.66511.8856
141.14951.31951.51261.73171.9799
151.16101.34591.55801.80092.0789
161.17261.37281.60471.87302.1829
171.18431.40021.65281.94792.2920
181.19611.42821.70242.02582.4066
191.20811.45681.75352.10682.5270
201.22021.48591.80612.19112.6533
211.23241.51571.86032.27882.7860
221.24471.54601.91612.36992.9253
231.25721.57691.97362.46473.0715
241.26971.60842.03282.56333.2251
251.28241.64062.09382.66583.3864

表2: 利率r = 1%-5%, 期数n = 26-50

期数1%2%3%4%5%
261.29531.67342.15662.77253.5557
271.30821.70692.22132.88343.7335
281.32131.74102.28792.99873.9201
291.33451.77582.35663.11874.1161
301.34781.81142.42733.24344.3219
311.36131.84762.50013.37314.5380
321.37491.88452.57513.50814.7649
331.38871.92222.65233.64845.0032
341.40261.96072.73193.79435.2533
351.41661.99992.81393.94615.5160
361.43082.03992.89834.10395.7918
371.44512.08072.98524.26816.0814
381.45952.12233.07484.43886.3855
391.47412.16473.16704.61646.7048
401.48892.20803.26204.80107.0400
411.50382.25223.35994.99317.3920
421.51882.29723.46075.19287.7616
431.53402.34323.56455.40058.1497
441.54932.39013.67155.61658.5572
451.56482.43793.78165.84128.9850
461.58052.48663.89506.07489.4343
471.59632.53634.01196.31789.9060
481.61222.58714.13236.570510.4013
491.62832.63884.25626.833310.9213
501.64462.69164.38397.106711.4674

表3: 利率r = 6%-10%, 期数n = 1-25

期数6%7%8%9%10%
11.06001.07001.08001.09001.1000
21.12361.14491.16641.18811.2100
31.19101.22501.25971.29501.3310
41.26251.31081.36051.41161.4641
51.33821.40261.46931.53861.6105
61.41851.50071.58691.67711.7716
71.50361.60581.71381.82801.9487
81.59381.71821.85091.99262.1436
91.68951.83851.99902.17192.3579
101.79081.96722.15892.36742.5937
111.89832.10492.33162.58042.8531
122.01222.25222.51822.81273.1384
132.13292.40982.71963.06583.4523
142.26092.57852.93723.34173.7975
152.39662.75903.17223.64254.1772
162.54042.95223.42593.97034.5950
172.69283.15883.70004.32765.0545
182.85433.37993.99604.71715.5599
193.02563.61654.31575.14176.1159
203.20713.86974.66105.60446.7275
213.39964.14065.03386.10887.4002
223.60354.43045.43656.65868.1403
233.81974.74055.87157.25798.9543
244.04895.07246.34127.91119.8497
254.29195.42746.84858.623110.8347

表4: 利率r = 6%-10%, 期数n = 26-50

期数6%7%8%9%10%
264.54945.80747.39649.399211.9182
274.82236.21397.988110.245113.1100
285.11176.64888.627111.167114.4210
295.41847.11439.317312.172215.8631
305.74357.612310.062713.267717.4494
316.08818.145110.867714.461819.1943
326.45348.715311.737115.763321.1138
336.84069.325312.676017.182023.2252
347.25109.978113.690118.728425.5477
357.686110.676614.785320.414028.1024
368.147311.423915.968222.251230.9127
378.636112.223617.245624.253834.0039
389.154313.079318.625326.436737.4043
399.703513.994820.115328.816041.1448
4010.285714.974521.724531.409445.2593
4110.902916.022723.462534.236349.7852
4211.557017.144325.339537.317554.7637
4312.250518.344427.366640.676160.2401
4412.985519.628529.556044.337066.2641
4513.764621.002531.920448.327372.8905
4614.590522.472634.474152.676780.1795
4715.465924.045737.232057.417688.1975
4816.393925.728940.210662.585297.0172
4917.377527.529943.427468.2179106.7190
5018.420229.457046.901674.3575117.3909

表5: 利率r = 11%-15%, 期数n = 1-25

期数11%12%13%14%15%
11.11001.12001.13001.14001.1500
21.23211.25441.27691.29961.3225
31.36761.40491.44291.48151.5209
41.51811.57351.63051.68901.7490
51.68511.76231.84241.92542.0114
61.87041.97382.08202.19502.3131
72.07622.21072.35262.50232.6600
82.30452.47602.65842.85263.0590
92.55802.77313.00403.25193.5179
102.83943.10583.39463.70724.0456
113.15183.47853.83594.22624.6524
123.49853.89604.33454.81795.3503
133.88334.36354.89805.49246.1528
144.31044.88715.53486.26137.0757
154.78465.47366.25437.13798.1371
165.31096.13047.06738.13729.3576
175.89516.86607.98619.276510.7613
186.54367.69009.024310.575212.3755
197.26338.612810.197412.055714.2318
208.06239.646311.523113.743516.3665
218.949210.803813.021115.667618.8215
229.933612.100314.713817.861021.6447
2311.026313.552316.626620.361624.8915
2412.239215.178618.788123.212228.6252
2513.585517.000121.230526.461932.9190

表6: 利率r = 11%-15%, 期数n = 26-50

期数11%12%13%14%15%
2615.079919.040123.990530.166637.8568
2716.738621.324927.109334.389943.5353
2818.579923.883930.633539.204550.0656
2920.623726.749934.615844.693157.5755
3022.892329.959939.115950.950266.2118
3125.410433.555144.201058.083276.1435
3228.205637.581749.947166.214887.5651
3331.308242.091556.440275.4849100.6998
3434.752147.142563.777486.0528115.8048
3538.574952.799672.068598.1002133.1755
3642.818159.135681.4374111.8342153.1519
3747.528166.231892.0243127.4910176.1246
3852.756274.1797103.9874145.3397202.5433
3958.559383.0812117.5058165.6873232.9248
4065.000993.0510132.7816188.8835267.8635
4172.1510104.2171150.0432215.3272308.0431
4280.0876116.7231169.5488245.4730354.2495
4388.8972130.7299191.5901279.8392407.3870
4498.6759146.4175216.4968319.0167468.4950
45109.5302163.9876244.6414363.6791538.7693
46121.5786183.6661276.4448414.5941619.5847
47134.9522205.7061312.3826472.6373712.5224
48149.7970230.3908352.9923538.8065819.4007
49166.2746258.0377398.8813614.2395942.3108
50184.5648289.0022450.7359700.23301083.6574

表7: 利率r = 16%-20%, 期数n = 1-25

期数16%17%18%19%20%
11.16001.17001.18001.19001.2000
21.34561.36891.39241.41611.4400
31.56091.60161.64301.68521.7280
41.81061.87391.93882.00532.0736
52.10032.19242.28782.38642.4883
62.43642.56522.69962.83982.9860
72.82623.00123.18553.37933.5832
83.27843.51153.75894.02144.2998
93.80304.10844.43554.78545.1598
104.41144.80685.23385.69476.1917
115.11735.62406.17596.77677.4301
125.93606.58017.28768.06428.9161
136.88587.69878.59949.596410.6993
147.98759.007510.147211.419812.8392
159.265510.538711.973713.589515.4070
1610.748012.330314.129016.171518.4884
1712.467714.426516.672219.244122.1861
1814.462516.879019.673322.900526.6233
1916.776519.748423.214427.251631.9480
2019.460823.105627.393032.429438.3376
2122.574527.033632.323838.591046.0051
2226.186431.629338.142145.923355.2061
2330.376237.006245.007654.648766.2474
2435.236443.297353.109065.032079.4968
2540.874250.657862.668677.388195.3962

表8: 利率r = 16%-20%, 期数n = 26-50

期数16%17%18%19%20%
2647.414159.269773.949092.0918114.4755
2755.000469.345587.2598109.5893137.3706
2863.800481.1342102.9666130.4112164.8447
2974.008594.9271121.5005155.1893197.8136
3085.8499111.0647143.3706184.6753237.3763
3199.5859129.9456169.1774219.7636284.8516
32115.5196152.0364199.6293261.5187341.8219
33134.0027177.8826235.5625311.2073410.1863
34155.4432208.1226277.9638370.3366492.2235
35180.3141243.5035327.9973440.7006590.6682
36209.1643284.8991387.0368524.4337708.8019
37242.6306333.3319456.7034624.0761850.5622
38281.4515389.9983538.9100742.65061020.6747
39326.4838456.2980635.9139883.75421224.8096
40378.7212533.8687750.37831051.66751469.7716
41439.3165624.6264885.44641251.48431763.7259
42509.6072730.81291044.82681489.26642116.4711
43591.1443855.05111232.89561772.22702539.7653
44685.72741000.40981454.81682108.95013047.7183
45795.44381170.47941716.68392509.65063657.2620
46922.71481369.46092025.68702986.48424388.7144
471070.34921602.26932390.31063553.91625266.4573
481241.60511874.65502820.56654229.16036319.7487
491440.26192193.34643328.26855032.70087583.6985
501670.70382566.21533927.35695988.91399100.4382

表9: 利率r = 21%-25%, 期数n = 1-25

期数21%22%23%24%25%
11.21001.22001.23001.24001.2500
21.46411.48841.51291.53761.5625
31.77161.81581.86091.90661.9531
42.14362.21532.28892.36422.4414
52.59372.70272.81532.93163.0518
63.13843.29733.46283.63523.8147
73.79754.02274.25934.50774.7684
84.59504.90775.23895.58955.9605
95.55995.98746.44396.93107.4506
106.72757.30467.92598.59449.3132
118.14038.91179.748910.657111.6415
129.849710.872211.991213.214814.5519
1311.918213.264114.749116.386318.1899
1414.421016.182218.141420.319122.7374
1517.449419.742322.314025.195628.4217
1621.113824.085627.446231.242635.5271
1725.547729.384433.758838.740844.4089
1830.912735.849041.523348.038655.5112
1937.404343.735851.073759.567969.3889
2045.259353.357662.820673.864186.7362
2154.763765.096377.269491.5915108.4202
2266.264179.417595.0413113.5735135.5253
2380.179596.8894116.9008140.8312169.4066
2497.0172118.2050143.7880174.6306211.7582
25117.3909144.2101176.8593216.5420264.6978

表10: 利率r = 21%-25%, 期数n = 26-50

期数21%22%23%24%25%
26142.0429175.9364217.5369268.5121330.8722
27171.8719214.6424267.5704332.9550413.5903
28207.9651261.8637329.1115412.8642516.9879
29251.6377319.4737404.8072511.9516646.2349
30304.4816389.7579497.9129634.8199807.7936
31368.4228475.5046612.4328787.17671009.7420
32445.7916580.1156753.2924976.09911262.1774
33539.4078707.7411926.54961210.36291577.7218
34652.6834863.44411139.65601500.85001972.1523
35789.74701053.40181401.77691861.05402465.1903
36955.59381285.15021724.18562307.70703081.4879
371156.26851567.88332120.74832861.55673851.8599
381399.08491912.81762608.52043548.33034814.8249
391692.89272333.63753208.48014399.92956018.5311
402048.40022847.03783946.43055455.91267523.1638
412478.56433473.38614854.10956765.33179403.9548
422999.06284237.53105970.55478389.011311754.9435
433628.86595169.78787343.782310402.374014693.6794
444390.92786307.14119032.852212898.943718367.0992
455313.02267694.712211110.408215994.690222958.8740
466428.75749387.548913665.802119833.415828698.5925
477778.796411452.809616808.936524593.435635873.2407
489412.343713972.427720674.991930495.860244841.5509
4911388.935817046.361825430.240137814.866656051.9386
5013780.612320796.561531279.195346890.434670064.9232

复利终值系数表使用案例

为了理解五年后投资的总值,我们可以通过复利终值的计算来展示。假设您投资了1000元,年利率为5%,并持续投资5年。我们可以用复利终值公式来确定这段时间后的总额。

首先,我们需要计算复利终值系数。这可以通过公式 (1 + 0.05)^5 来计算,其中0.05代表5%的年利率。计算结果大约为1.2763。如果您不想手动计算,也可以参考上面的的复利终值系数表来找到相应的系数,对于5%的年利率和5年期限,系数同样是1.2763。

然后,将这个系数乘以您的初始投资额,即1000元。这样,1000元乘以1.2763,就可以得出五年后的总资金,即1276.3元。这个数额展示了您的初始投资在五年内以5%年利率复利增长后的最终值。

发表回复

您的电子邮箱地址不会被公开。 必填项已用*标注