複利終值係數

指標

複利終值係數(即複利)是指在每經過一個計息期后,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。

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%
11.011.021.031.041.051.061.071.081.091.1
21.02011.04041.06091.08161.10251.12361.14491.16641.18811.21
31.03031.06121.09271.12491.15761.1911.2251.25971.2951.331
41.04061.08241.12551.16991.21551.26251.31081.36051.41161.4641
51.0511.10411.15931.21671.27631.33821.40261.46931.53861.6105
61.06151.12621.19411.26531.34011.41851.50071.58691.67711.7716
71.07211.14871.22991.31591.40711.50361.60581.71381.8281.9487
81.08291.17171.26681.36861.47751.59381.71821.85091.99262.1436
91.09371.19511.30481.42331.55131.68951.83851.9992.17192.3579
101.10461.2191.34391.48021.62891.79081.96722.15892.36742.5937
111.11571.24341.38421.53951.71031.89832.10492.33162.58042.8531
121.12681.26821.42581.6011.79592.01222.25222.51822.81273.1384
131.13811.29361.46851.66511.88562.13292.40982.71963.06583.4523
141.14951.31951.51261.73171.97992.26092.57852.93723.34173.7975
151.1611.34591.5581.80092.07892.39662.7593.17223.64254.1772
161.17261.37281.60471.8732.18292.54042.95223.42593.97034.595
171.18431.40021.65281.94792.2922.69283.15883.74.32765.0545
181.19611.42821.70242.02582.40662.85433.37993.9964.71715.5599
191.20811.45681.75352.10682.5273.02563.61654.31575.14176.1159
201.22021.48591.80612.19112.65333.20713.86974.6615.60446.7275
211.23241.51571.86032.27882.7863.39964.14065.03386.10887.4002
221.24471.5461.91612.36992.92533.60354.43045.43656.65868.1403
231.25721.57691.97362.46473.07153.81974.74055.87157.25798.9543
241.26971.60842.03282.56333.22514.04895.07246.34127.91119.8497
251.28241.64062.09382.66583.38644.29195.42746.84858.623110.8347
261.29531.67342.15662.77253.55574.54945.80747.39649.399211.9182
271.30821.70692.22132.88343.73354.82236.21397.988110.245113.11
281.32131.7412.28792.99873.92015.11176.64888.627111.167114.421
291.33451.77582.35663.11874.11615.41847.11439.317312.172215.8631
301.34781.81142.42733.24344.32195.74357.612310.062713.267717.4494
期數11%12%13%14%15%16%17%18%19%20%
11.111.121.131.141.151.161.171.181.191.2
21.23211.25441.27691.29961.32251.34561.36891.39241.41611.44
31.36761.40491.44291.48151.52091.56091.60161.6431.68521.728
41.51811.57351.63051.6891.7491.81061.87391.93882.00532.0736
51.68511.76231.84241.92542.01142.10032.19242.28782.38642.4883
61.87041.97382.0822.1952.31312.43642.56522.69962.83982.986
72.07622.21072.35262.50232.662.82623.00123.18553.37933.5832
82.30452.4762.65842.85263.0593.27843.51153.75894.02144.2998
92.5582.77313.0043.25193.51793.8034.10844.43554.78545.1598
102.83943.10583.39463.70724.04564.41144.80685.23385.69476.1917
113.15183.47863.83594.22624.65245.11735.6246.17596.77677.4301
123.49853.8964.33454.81795.35035.9366.58017.28768.06428.9161
133.88334.36354.8985.49246.15286.88587.69878.59949.596410.6993
144.31044.88715.53486.26137.07577.98759.007510.147211.419812.8392
154.78465.47366.25437.13798.13719.265510.538711.973713.589515.407
165.31096.13047.06738.13729.357610.74812.330314.12916.171518.4884
175.89516.8667.98619.276510.761312.467714.426516.672219.244122.1861
186.54367.699.024310.575212.375514.462516.87919.673322.900526.6233
197.26338.612810.197412.055714.231816.776519.748423.214427.251631.948
208.06239.646311.523113.743516.366519.460823.105627.39332.429438.3376
218.949210.803813.021115.667618.821522.574527.033632.323838.59146.0051
229.933612.100314.713817.86121.644726.186431.629338.142145.923355.2061
2311.026313.552316.626620.361624.891530.376237.006245.007654.648766.2474
2412.239215.178618.788123.212228.625235.236443.297353.10965.03279.4968
2513.585517.000121.230526.461932.91940.874250.657862.668677.388195.3962
2615.079919.040123.990530.166637.856847.414159.269773.94992.0918114.4755
2716.738721.324927.109334.389943.535355.000469.345587.2598109.5893137.3706
2818.579923.883930.633539.204550.065663.800481.1342102.9666130.4112164.8447
2920.623726.749934.615844.693157.575574.008594.9271121.5005155.1893197.8136
3022.892329.959939.115950.950266.211885.8499111.0647143.3706184.6753237.3763
期數21%22%23%24%25%26%27%28%29%30%
11.211.221.231.241.251.261.271.281.291.3
21.46411.48841.51291.53761.56251.58761.61291.63841.66411.69
31.77161.81581.86091.90661.95312.00042.04842.09722.14672.197
42.14362.21532.28892.36422.44142.52052.60142.68442.76922.8561
52.59372.70272.81532.93163.05183.17583.30383.4363.57233.7129
63.13843.29733.46283.63523.81474.00154.19594.3984.60834.8268
73.79754.02274.25934.50774.76845.04195.32885.62955.94476.2749
84.5954.90775.23895.58955.96056.35286.76757.20587.66868.1573
95.55995.98746.44396.9317.45068.00458.59489.22349.892510.6045
106.72757.30467.92598.59449.313210.085710.915311.805912.761413.7858
118.14038.91179.748910.657111.641512.70813.862515.111616.462217.9216
129.849710.872211.991213.214814.551916.01217.605319.342821.236223.2981
1311.918213.264114.749116.386318.189920.175222.358824.758827.394730.2875
1414.42116.182218.141420.319122.737425.420728.395731.691335.339139.3738
1517.449419.742322.31425.195628.421732.030136.062540.564845.587551.1859
1621.113824.085627.446231.242635.527140.357945.799451.92358.807966.5417
1725.547729.384433.758838.740844.408950.85158.165266.461475.862186.5042
1830.912735.84941.523348.038655.511264.072273.869885.070697.8622112.4554
1937.404343.735851.073759.567969.388980.73193.8147108.8904126.2422146.192
2045.259353.357662.820673.864186.7362101.7211119.1446139.3797162.8524190.0496
2154.763765.096377.269491.5915108.4202128.1685151.3137178.406210.0796247.0645
2266.264179.417595.0413113.5735135.5253161.4924192.1683228.3596271.0027321.1839
2380.179596.8894116.9008140.8312169.4066203.4804244.0538292.3003349.5935417.5391
2497.0172118.205143.788174.6306211.7582256.3853309.9483374.1444450.9756542.8008
25117.3909144.2101176.8593216.542264.6978323.0454393.6344478.9049581.7585705.641
26142.0429175.9364217.5369268.5121330.8722407.0373499.9157612.9982750.4685917.3333
27171.8719214.6424267.5704332.955413.5903512.867634.8929784.6377968.10441192.5333
28207.9651261.8637329.1115412.8642516.9879646.2124806.3141004.33631248.85461550.2933
29251.6377319.4737404.8072511.9516646.2349814.22761024.01871285.55041611.02252015.3813
30304.4816389.7579497.9129634.8199807.79361025.92671300.50381645.50462078.2192619.9956

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,那麼,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