计算公式
复利的计算是对本金及其产生的利息一并计算,也就是利上有利。
复利计算的特点:把上期未的本利和作为下一期的本金,在计算时每一期本金的数额是不同的。
复利的计算公式:F=P*(1+i)^n
F—终值(n期末的资金价值或本利和,Future Value),指资金发生在(或折算为)某一特定时间序列终点时的价值;
P—现值(即现在的资金价值或本金,Present Value),指资金发生在(或折算为)某一特定时间序列起点时的价值;
i—计息周期复利率;
n—计息周期数。
终值系数
式中(1+i)^n成为一次支付终值系数,可通过复利终值系数表查得。
系数表
期数
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
|
期数
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
|
期数
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
|
举例
例如:本金为50000元,利率或者投资回报率为8%,投资年限为10年,那么,10年后所得到的本利和,按复利计算公式来计算就是:
F=50000×(1+8%)^10=50000*2.1589(查表得)=107945
相关词条
相关搜索
其它词条