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。
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% |
| 1 | 1.0100 | 1.0200 | 1.0300 | 1.0400 | 1.0500 |
| 2 | 1.0201 | 1.0404 | 1.0609 | 1.0816 | 1.1025 |
| 3 | 1.0303 | 1.0612 | 1.0927 | 1.1249 | 1.1576 |
| 4 | 1.0406 | 1.0824 | 1.1255 | 1.1699 | 1.2155 |
| 5 | 1.0510 | 1.1041 | 1.1593 | 1.2167 | 1.2763 |
| 6 | 1.0615 | 1.1262 | 1.1941 | 1.2653 | 1.3401 |
| 7 | 1.0721 | 1.1487 | 1.2299 | 1.3159 | 1.4071 |
| 8 | 1.0829 | 1.1717 | 1.2668 | 1.3686 | 1.4775 |
| 9 | 1.0937 | 1.1951 | 1.3048 | 1.4233 | 1.5513 |
| 10 | 1.1046 | 1.2190 | 1.3439 | 1.4802 | 1.6289 |
| 11 | 1.1157 | 1.2434 | 1.3842 | 1.5395 | 1.7103 |
| 12 | 1.1268 | 1.2682 | 1.4258 | 1.6010 | 1.7959 |
| 13 | 1.1381 | 1.2936 | 1.4685 | 1.6651 | 1.8856 |
| 14 | 1.1495 | 1.3195 | 1.5126 | 1.7317 | 1.9799 |
| 15 | 1.1610 | 1.3459 | 1.5580 | 1.8009 | 2.0789 |
| 16 | 1.1726 | 1.3728 | 1.6047 | 1.8730 | 2.1829 |
| 17 | 1.1843 | 1.4002 | 1.6528 | 1.9479 | 2.2920 |
| 18 | 1.1961 | 1.4282 | 1.7024 | 2.0258 | 2.4066 |
| 19 | 1.2081 | 1.4568 | 1.7535 | 2.1068 | 2.5270 |
| 20 | 1.2202 | 1.4859 | 1.8061 | 2.1911 | 2.6533 |
| 21 | 1.2324 | 1.5157 | 1.8603 | 2.2788 | 2.7860 |
| 22 | 1.2447 | 1.5460 | 1.9161 | 2.3699 | 2.9253 |
| 23 | 1.2572 | 1.5769 | 1.9736 | 2.4647 | 3.0715 |
| 24 | 1.2697 | 1.6084 | 2.0328 | 2.5633 | 3.2251 |
| 25 | 1.2824 | 1.6406 | 2.0938 | 2.6658 | 3.3864 |
表2: 利率r = 1%-5%, 期数n = 26-50
| 期数 | 1% | 2% | 3% | 4% | 5% |
| 26 | 1.2953 | 1.6734 | 2.1566 | 2.7725 | 3.5557 |
| 27 | 1.3082 | 1.7069 | 2.2213 | 2.8834 | 3.7335 |
| 28 | 1.3213 | 1.7410 | 2.2879 | 2.9987 | 3.9201 |
| 29 | 1.3345 | 1.7758 | 2.3566 | 3.1187 | 4.1161 |
| 30 | 1.3478 | 1.8114 | 2.4273 | 3.2434 | 4.3219 |
| 31 | 1.3613 | 1.8476 | 2.5001 | 3.3731 | 4.5380 |
| 32 | 1.3749 | 1.8845 | 2.5751 | 3.5081 | 4.7649 |
| 33 | 1.3887 | 1.9222 | 2.6523 | 3.6484 | 5.0032 |
| 34 | 1.4026 | 1.9607 | 2.7319 | 3.7943 | 5.2533 |
| 35 | 1.4166 | 1.9999 | 2.8139 | 3.9461 | 5.5160 |
| 36 | 1.4308 | 2.0399 | 2.8983 | 4.1039 | 5.7918 |
| 37 | 1.4451 | 2.0807 | 2.9852 | 4.2681 | 6.0814 |
| 38 | 1.4595 | 2.1223 | 3.0748 | 4.4388 | 6.3855 |
| 39 | 1.4741 | 2.1647 | 3.1670 | 4.6164 | 6.7048 |
| 40 | 1.4889 | 2.2080 | 3.2620 | 4.8010 | 7.0400 |
| 41 | 1.5038 | 2.2522 | 3.3599 | 4.9931 | 7.3920 |
| 42 | 1.5188 | 2.2972 | 3.4607 | 5.1928 | 7.7616 |
| 43 | 1.5340 | 2.3432 | 3.5645 | 5.4005 | 8.1497 |
| 44 | 1.5493 | 2.3901 | 3.6715 | 5.6165 | 8.5572 |
| 45 | 1.5648 | 2.4379 | 3.7816 | 5.8412 | 8.9850 |
| 46 | 1.5805 | 2.4866 | 3.8950 | 6.0748 | 9.4343 |
| 47 | 1.5963 | 2.5363 | 4.0119 | 6.3178 | 9.9060 |
| 48 | 1.6122 | 2.5871 | 4.1323 | 6.5705 | 10.4013 |
| 49 | 1.6283 | 2.6388 | 4.2562 | 6.8333 | 10.9213 |
| 50 | 1.6446 | 2.6916 | 4.3839 | 7.1067 | 11.4674 |
表3: 利率r = 6%-10%, 期数n = 1-25
| 期数 | 6% | 7% | 8% | 9% | 10% |
| 1 | 1.0600 | 1.0700 | 1.0800 | 1.0900 | 1.1000 |
| 2 | 1.1236 | 1.1449 | 1.1664 | 1.1881 | 1.2100 |
| 3 | 1.1910 | 1.2250 | 1.2597 | 1.2950 | 1.3310 |
| 4 | 1.2625 | 1.3108 | 1.3605 | 1.4116 | 1.4641 |
| 5 | 1.3382 | 1.4026 | 1.4693 | 1.5386 | 1.6105 |
| 6 | 1.4185 | 1.5007 | 1.5869 | 1.6771 | 1.7716 |
| 7 | 1.5036 | 1.6058 | 1.7138 | 1.8280 | 1.9487 |
| 8 | 1.5938 | 1.7182 | 1.8509 | 1.9926 | 2.1436 |
| 9 | 1.6895 | 1.8385 | 1.9990 | 2.1719 | 2.3579 |
| 10 | 1.7908 | 1.9672 | 2.1589 | 2.3674 | 2.5937 |
| 11 | 1.8983 | 2.1049 | 2.3316 | 2.5804 | 2.8531 |
| 12 | 2.0122 | 2.2522 | 2.5182 | 2.8127 | 3.1384 |
| 13 | 2.1329 | 2.4098 | 2.7196 | 3.0658 | 3.4523 |
| 14 | 2.2609 | 2.5785 | 2.9372 | 3.3417 | 3.7975 |
| 15 | 2.3966 | 2.7590 | 3.1722 | 3.6425 | 4.1772 |
| 16 | 2.5404 | 2.9522 | 3.4259 | 3.9703 | 4.5950 |
| 17 | 2.6928 | 3.1588 | 3.7000 | 4.3276 | 5.0545 |
| 18 | 2.8543 | 3.3799 | 3.9960 | 4.7171 | 5.5599 |
| 19 | 3.0256 | 3.6165 | 4.3157 | 5.1417 | 6.1159 |
| 20 | 3.2071 | 3.8697 | 4.6610 | 5.6044 | 6.7275 |
| 21 | 3.3996 | 4.1406 | 5.0338 | 6.1088 | 7.4002 |
| 22 | 3.6035 | 4.4304 | 5.4365 | 6.6586 | 8.1403 |
| 23 | 3.8197 | 4.7405 | 5.8715 | 7.2579 | 8.9543 |
| 24 | 4.0489 | 5.0724 | 6.3412 | 7.9111 | 9.8497 |
| 25 | 4.2919 | 5.4274 | 6.8485 | 8.6231 | 10.8347 |
表4: 利率r = 6%-10%, 期数n = 26-50
| 期数 | 6% | 7% | 8% | 9% | 10% |
| 26 | 4.5494 | 5.8074 | 7.3964 | 9.3992 | 11.9182 |
| 27 | 4.8223 | 6.2139 | 7.9881 | 10.2451 | 13.1100 |
| 28 | 5.1117 | 6.6488 | 8.6271 | 11.1671 | 14.4210 |
| 29 | 5.4184 | 7.1143 | 9.3173 | 12.1722 | 15.8631 |
| 30 | 5.7435 | 7.6123 | 10.0627 | 13.2677 | 17.4494 |
| 31 | 6.0881 | 8.1451 | 10.8677 | 14.4618 | 19.1943 |
| 32 | 6.4534 | 8.7153 | 11.7371 | 15.7633 | 21.1138 |
| 33 | 6.8406 | 9.3253 | 12.6760 | 17.1820 | 23.2252 |
| 34 | 7.2510 | 9.9781 | 13.6901 | 18.7284 | 25.5477 |
| 35 | 7.6861 | 10.6766 | 14.7853 | 20.4140 | 28.1024 |
| 36 | 8.1473 | 11.4239 | 15.9682 | 22.2512 | 30.9127 |
| 37 | 8.6361 | 12.2236 | 17.2456 | 24.2538 | 34.0039 |
| 38 | 9.1543 | 13.0793 | 18.6253 | 26.4367 | 37.4043 |
| 39 | 9.7035 | 13.9948 | 20.1153 | 28.8160 | 41.1448 |
| 40 | 10.2857 | 14.9745 | 21.7245 | 31.4094 | 45.2593 |
| 41 | 10.9029 | 16.0227 | 23.4625 | 34.2363 | 49.7852 |
| 42 | 11.5570 | 17.1443 | 25.3395 | 37.3175 | 54.7637 |
| 43 | 12.2505 | 18.3444 | 27.3666 | 40.6761 | 60.2401 |
| 44 | 12.9855 | 19.6285 | 29.5560 | 44.3370 | 66.2641 |
| 45 | 13.7646 | 21.0025 | 31.9204 | 48.3273 | 72.8905 |
| 46 | 14.5905 | 22.4726 | 34.4741 | 52.6767 | 80.1795 |
| 47 | 15.4659 | 24.0457 | 37.2320 | 57.4176 | 88.1975 |
| 48 | 16.3939 | 25.7289 | 40.2106 | 62.5852 | 97.0172 |
| 49 | 17.3775 | 27.5299 | 43.4274 | 68.2179 | 106.7190 |
| 50 | 18.4202 | 29.4570 | 46.9016 | 74.3575 | 117.3909 |
表5: 利率r = 11%-15%, 期数n = 1-25
| 期数 | 11% | 12% | 13% | 14% | 15% |
| 1 | 1.1100 | 1.1200 | 1.1300 | 1.1400 | 1.1500 |
| 2 | 1.2321 | 1.2544 | 1.2769 | 1.2996 | 1.3225 |
| 3 | 1.3676 | 1.4049 | 1.4429 | 1.4815 | 1.5209 |
| 4 | 1.5181 | 1.5735 | 1.6305 | 1.6890 | 1.7490 |
| 5 | 1.6851 | 1.7623 | 1.8424 | 1.9254 | 2.0114 |
| 6 | 1.8704 | 1.9738 | 2.0820 | 2.1950 | 2.3131 |
| 7 | 2.0762 | 2.2107 | 2.3526 | 2.5023 | 2.6600 |
| 8 | 2.3045 | 2.4760 | 2.6584 | 2.8526 | 3.0590 |
| 9 | 2.5580 | 2.7731 | 3.0040 | 3.2519 | 3.5179 |
| 10 | 2.8394 | 3.1058 | 3.3946 | 3.7072 | 4.0456 |
| 11 | 3.1518 | 3.4785 | 3.8359 | 4.2262 | 4.6524 |
| 12 | 3.4985 | 3.8960 | 4.3345 | 4.8179 | 5.3503 |
| 13 | 3.8833 | 4.3635 | 4.8980 | 5.4924 | 6.1528 |
| 14 | 4.3104 | 4.8871 | 5.5348 | 6.2613 | 7.0757 |
| 15 | 4.7846 | 5.4736 | 6.2543 | 7.1379 | 8.1371 |
| 16 | 5.3109 | 6.1304 | 7.0673 | 8.1372 | 9.3576 |
| 17 | 5.8951 | 6.8660 | 7.9861 | 9.2765 | 10.7613 |
| 18 | 6.5436 | 7.6900 | 9.0243 | 10.5752 | 12.3755 |
| 19 | 7.2633 | 8.6128 | 10.1974 | 12.0557 | 14.2318 |
| 20 | 8.0623 | 9.6463 | 11.5231 | 13.7435 | 16.3665 |
| 21 | 8.9492 | 10.8038 | 13.0211 | 15.6676 | 18.8215 |
| 22 | 9.9336 | 12.1003 | 14.7138 | 17.8610 | 21.6447 |
| 23 | 11.0263 | 13.5523 | 16.6266 | 20.3616 | 24.8915 |
| 24 | 12.2392 | 15.1786 | 18.7881 | 23.2122 | 28.6252 |
| 25 | 13.5855 | 17.0001 | 21.2305 | 26.4619 | 32.9190 |
表6: 利率r = 11%-15%, 期数n = 26-50
| 期数 | 11% | 12% | 13% | 14% | 15% |
| 26 | 15.0799 | 19.0401 | 23.9905 | 30.1666 | 37.8568 |
| 27 | 16.7386 | 21.3249 | 27.1093 | 34.3899 | 43.5353 |
| 28 | 18.5799 | 23.8839 | 30.6335 | 39.2045 | 50.0656 |
| 29 | 20.6237 | 26.7499 | 34.6158 | 44.6931 | 57.5755 |
| 30 | 22.8923 | 29.9599 | 39.1159 | 50.9502 | 66.2118 |
| 31 | 25.4104 | 33.5551 | 44.2010 | 58.0832 | 76.1435 |
| 32 | 28.2056 | 37.5817 | 49.9471 | 66.2148 | 87.5651 |
| 33 | 31.3082 | 42.0915 | 56.4402 | 75.4849 | 100.6998 |
| 34 | 34.7521 | 47.1425 | 63.7774 | 86.0528 | 115.8048 |
| 35 | 38.5749 | 52.7996 | 72.0685 | 98.1002 | 133.1755 |
| 36 | 42.8181 | 59.1356 | 81.4374 | 111.8342 | 153.1519 |
| 37 | 47.5281 | 66.2318 | 92.0243 | 127.4910 | 176.1246 |
| 38 | 52.7562 | 74.1797 | 103.9874 | 145.3397 | 202.5433 |
| 39 | 58.5593 | 83.0812 | 117.5058 | 165.6873 | 232.9248 |
| 40 | 65.0009 | 93.0510 | 132.7816 | 188.8835 | 267.8635 |
| 41 | 72.1510 | 104.2171 | 150.0432 | 215.3272 | 308.0431 |
| 42 | 80.0876 | 116.7231 | 169.5488 | 245.4730 | 354.2495 |
| 43 | 88.8972 | 130.7299 | 191.5901 | 279.8392 | 407.3870 |
| 44 | 98.6759 | 146.4175 | 216.4968 | 319.0167 | 468.4950 |
| 45 | 109.5302 | 163.9876 | 244.6414 | 363.6791 | 538.7693 |
| 46 | 121.5786 | 183.6661 | 276.4448 | 414.5941 | 619.5847 |
| 47 | 134.9522 | 205.7061 | 312.3826 | 472.6373 | 712.5224 |
| 48 | 149.7970 | 230.3908 | 352.9923 | 538.8065 | 819.4007 |
| 49 | 166.2746 | 258.0377 | 398.8813 | 614.2395 | 942.3108 |
| 50 | 184.5648 | 289.0022 | 450.7359 | 700.2330 | 1083.6574 |
表7: 利率r = 16%-20%, 期数n = 1-25
| 期数 | 16% | 17% | 18% | 19% | 20% |
| 1 | 1.1600 | 1.1700 | 1.1800 | 1.1900 | 1.2000 |
| 2 | 1.3456 | 1.3689 | 1.3924 | 1.4161 | 1.4400 |
| 3 | 1.5609 | 1.6016 | 1.6430 | 1.6852 | 1.7280 |
| 4 | 1.8106 | 1.8739 | 1.9388 | 2.0053 | 2.0736 |
| 5 | 2.1003 | 2.1924 | 2.2878 | 2.3864 | 2.4883 |
| 6 | 2.4364 | 2.5652 | 2.6996 | 2.8398 | 2.9860 |
| 7 | 2.8262 | 3.0012 | 3.1855 | 3.3793 | 3.5832 |
| 8 | 3.2784 | 3.5115 | 3.7589 | 4.0214 | 4.2998 |
| 9 | 3.8030 | 4.1084 | 4.4355 | 4.7854 | 5.1598 |
| 10 | 4.4114 | 4.8068 | 5.2338 | 5.6947 | 6.1917 |
| 11 | 5.1173 | 5.6240 | 6.1759 | 6.7767 | 7.4301 |
| 12 | 5.9360 | 6.5801 | 7.2876 | 8.0642 | 8.9161 |
| 13 | 6.8858 | 7.6987 | 8.5994 | 9.5964 | 10.6993 |
| 14 | 7.9875 | 9.0075 | 10.1472 | 11.4198 | 12.8392 |
| 15 | 9.2655 | 10.5387 | 11.9737 | 13.5895 | 15.4070 |
| 16 | 10.7480 | 12.3303 | 14.1290 | 16.1715 | 18.4884 |
| 17 | 12.4677 | 14.4265 | 16.6722 | 19.2441 | 22.1861 |
| 18 | 14.4625 | 16.8790 | 19.6733 | 22.9005 | 26.6233 |
| 19 | 16.7765 | 19.7484 | 23.2144 | 27.2516 | 31.9480 |
| 20 | 19.4608 | 23.1056 | 27.3930 | 32.4294 | 38.3376 |
| 21 | 22.5745 | 27.0336 | 32.3238 | 38.5910 | 46.0051 |
| 22 | 26.1864 | 31.6293 | 38.1421 | 45.9233 | 55.2061 |
| 23 | 30.3762 | 37.0062 | 45.0076 | 54.6487 | 66.2474 |
| 24 | 35.2364 | 43.2973 | 53.1090 | 65.0320 | 79.4968 |
| 25 | 40.8742 | 50.6578 | 62.6686 | 77.3881 | 95.3962 |
表8: 利率r = 16%-20%, 期数n = 26-50
| 期数 | 16% | 17% | 18% | 19% | 20% |
| 26 | 47.4141 | 59.2697 | 73.9490 | 92.0918 | 114.4755 |
| 27 | 55.0004 | 69.3455 | 87.2598 | 109.5893 | 137.3706 |
| 28 | 63.8004 | 81.1342 | 102.9666 | 130.4112 | 164.8447 |
| 29 | 74.0085 | 94.9271 | 121.5005 | 155.1893 | 197.8136 |
| 30 | 85.8499 | 111.0647 | 143.3706 | 184.6753 | 237.3763 |
| 31 | 99.5859 | 129.9456 | 169.1774 | 219.7636 | 284.8516 |
| 32 | 115.5196 | 152.0364 | 199.6293 | 261.5187 | 341.8219 |
| 33 | 134.0027 | 177.8826 | 235.5625 | 311.2073 | 410.1863 |
| 34 | 155.4432 | 208.1226 | 277.9638 | 370.3366 | 492.2235 |
| 35 | 180.3141 | 243.5035 | 327.9973 | 440.7006 | 590.6682 |
| 36 | 209.1643 | 284.8991 | 387.0368 | 524.4337 | 708.8019 |
| 37 | 242.6306 | 333.3319 | 456.7034 | 624.0761 | 850.5622 |
| 38 | 281.4515 | 389.9983 | 538.9100 | 742.6506 | 1020.6747 |
| 39 | 326.4838 | 456.2980 | 635.9139 | 883.7542 | 1224.8096 |
| 40 | 378.7212 | 533.8687 | 750.3783 | 1051.6675 | 1469.7716 |
| 41 | 439.3165 | 624.6264 | 885.4464 | 1251.4843 | 1763.7259 |
| 42 | 509.6072 | 730.8129 | 1044.8268 | 1489.2664 | 2116.4711 |
| 43 | 591.1443 | 855.0511 | 1232.8956 | 1772.2270 | 2539.7653 |
| 44 | 685.7274 | 1000.4098 | 1454.8168 | 2108.9501 | 3047.7183 |
| 45 | 795.4438 | 1170.4794 | 1716.6839 | 2509.6506 | 3657.2620 |
| 46 | 922.7148 | 1369.4609 | 2025.6870 | 2986.4842 | 4388.7144 |
| 47 | 1070.3492 | 1602.2693 | 2390.3106 | 3553.9162 | 5266.4573 |
| 48 | 1241.6051 | 1874.6550 | 2820.5665 | 4229.1603 | 6319.7487 |
| 49 | 1440.2619 | 2193.3464 | 3328.2685 | 5032.7008 | 7583.6985 |
| 50 | 1670.7038 | 2566.2153 | 3927.3569 | 5988.9139 | 9100.4382 |
表9: 利率r = 21%-25%, 期数n = 1-25
| 期数 | 21% | 22% | 23% | 24% | 25% |
| 1 | 1.2100 | 1.2200 | 1.2300 | 1.2400 | 1.2500 |
| 2 | 1.4641 | 1.4884 | 1.5129 | 1.5376 | 1.5625 |
| 3 | 1.7716 | 1.8158 | 1.8609 | 1.9066 | 1.9531 |
| 4 | 2.1436 | 2.2153 | 2.2889 | 2.3642 | 2.4414 |
| 5 | 2.5937 | 2.7027 | 2.8153 | 2.9316 | 3.0518 |
| 6 | 3.1384 | 3.2973 | 3.4628 | 3.6352 | 3.8147 |
| 7 | 3.7975 | 4.0227 | 4.2593 | 4.5077 | 4.7684 |
| 8 | 4.5950 | 4.9077 | 5.2389 | 5.5895 | 5.9605 |
| 9 | 5.5599 | 5.9874 | 6.4439 | 6.9310 | 7.4506 |
| 10 | 6.7275 | 7.3046 | 7.9259 | 8.5944 | 9.3132 |
| 11 | 8.1403 | 8.9117 | 9.7489 | 10.6571 | 11.6415 |
| 12 | 9.8497 | 10.8722 | 11.9912 | 13.2148 | 14.5519 |
| 13 | 11.9182 | 13.2641 | 14.7491 | 16.3863 | 18.1899 |
| 14 | 14.4210 | 16.1822 | 18.1414 | 20.3191 | 22.7374 |
| 15 | 17.4494 | 19.7423 | 22.3140 | 25.1956 | 28.4217 |
| 16 | 21.1138 | 24.0856 | 27.4462 | 31.2426 | 35.5271 |
| 17 | 25.5477 | 29.3844 | 33.7588 | 38.7408 | 44.4089 |
| 18 | 30.9127 | 35.8490 | 41.5233 | 48.0386 | 55.5112 |
| 19 | 37.4043 | 43.7358 | 51.0737 | 59.5679 | 69.3889 |
| 20 | 45.2593 | 53.3576 | 62.8206 | 73.8641 | 86.7362 |
| 21 | 54.7637 | 65.0963 | 77.2694 | 91.5915 | 108.4202 |
| 22 | 66.2641 | 79.4175 | 95.0413 | 113.5735 | 135.5253 |
| 23 | 80.1795 | 96.8894 | 116.9008 | 140.8312 | 169.4066 |
| 24 | 97.0172 | 118.2050 | 143.7880 | 174.6306 | 211.7582 |
| 25 | 117.3909 | 144.2101 | 176.8593 | 216.5420 | 264.6978 |
表10: 利率r = 21%-25%, 期数n = 26-50
| 期数 | 21% | 22% | 23% | 24% | 25% |
| 26 | 142.0429 | 175.9364 | 217.5369 | 268.5121 | 330.8722 |
| 27 | 171.8719 | 214.6424 | 267.5704 | 332.9550 | 413.5903 |
| 28 | 207.9651 | 261.8637 | 329.1115 | 412.8642 | 516.9879 |
| 29 | 251.6377 | 319.4737 | 404.8072 | 511.9516 | 646.2349 |
| 30 | 304.4816 | 389.7579 | 497.9129 | 634.8199 | 807.7936 |
| 31 | 368.4228 | 475.5046 | 612.4328 | 787.1767 | 1009.7420 |
| 32 | 445.7916 | 580.1156 | 753.2924 | 976.0991 | 1262.1774 |
| 33 | 539.4078 | 707.7411 | 926.5496 | 1210.3629 | 1577.7218 |
| 34 | 652.6834 | 863.4441 | 1139.6560 | 1500.8500 | 1972.1523 |
| 35 | 789.7470 | 1053.4018 | 1401.7769 | 1861.0540 | 2465.1903 |
| 36 | 955.5938 | 1285.1502 | 1724.1856 | 2307.7070 | 3081.4879 |
| 37 | 1156.2685 | 1567.8833 | 2120.7483 | 2861.5567 | 3851.8599 |
| 38 | 1399.0849 | 1912.8176 | 2608.5204 | 3548.3303 | 4814.8249 |
| 39 | 1692.8927 | 2333.6375 | 3208.4801 | 4399.9295 | 6018.5311 |
| 40 | 2048.4002 | 2847.0378 | 3946.4305 | 5455.9126 | 7523.1638 |
| 41 | 2478.5643 | 3473.3861 | 4854.1095 | 6765.3317 | 9403.9548 |
| 42 | 2999.0628 | 4237.5310 | 5970.5547 | 8389.0113 | 11754.9435 |
| 43 | 3628.8659 | 5169.7878 | 7343.7823 | 10402.3740 | 14693.6794 |
| 44 | 4390.9278 | 6307.1411 | 9032.8522 | 12898.9437 | 18367.0992 |
| 45 | 5313.0226 | 7694.7122 | 11110.4082 | 15994.6902 | 22958.8740 |
| 46 | 6428.7574 | 9387.5489 | 13665.8021 | 19833.4158 | 28698.5925 |
| 47 | 7778.7964 | 11452.8096 | 16808.9365 | 24593.4356 | 35873.2407 |
| 48 | 9412.3437 | 13972.4277 | 20674.9919 | 30495.8602 | 44841.5509 |
| 49 | 11388.9358 | 17046.3618 | 25430.2401 | 37814.8666 | 56051.9386 |
| 50 | 13780.6123 | 20796.5615 | 31279.1953 | 46890.4346 | 70064.9232 |
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。