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# 复利终值系数表完整版

FVIF = (1 + r)^n

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。

## 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