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什么是复利,复利计算器,复利计算公式

来源:金利率网 日期:2018-4-11 16:44:42 人气:1加入收藏 评论:0 

什么是复利?虽说使用复利计算器可以精确的算出存款收益的复利,但我们为确保存款计算复利之下获益的准确性,也需要了解清楚复利的计算公式与方式。复利用白话说其实就是利滚利,每年的利息到下一年也要计息。

什么是复利,复利计算器,复利计算公式

复利计算公式1:F=P*(1+i)的n次方

公式1中实际是已知现值,求复利终值的,如果是已知终值,求复利现值呢。

复利计算公式2:P=F/(1+i)的n次方

个n如果比较大的话,其实计算起来是比较麻烦的,所以就弄了两个表,一个叫复利终值系数表,一个叫复利现值系数表

(1+i)的n次方叫复利终值系数,用(F/P,i,n)表示,查复利终值系数表。

1/(1+i)的n次方叫复利现值系数,用(P/F,i,n)表示,查复利现值系数表。

这样公式1就可以表示为:F=P(F/P,i,n);

公式2就可以表示为:P=F(P/F,i,n)。

其实从系数公式里可以看出这两个系数是互为倒数的。

是不是一定一年复利一次呢,也不一定,多长时间都是可以,比如常见的高利贷就经常说月息二分,什么意思呢?就是一个月复利一次,利率2%。

复利终值系数表(FVIF表)


1%2%3%4%5%6%7%8%9%10%11%12%13%14%15%16%17%18%19%20%25%30%
11.0101.0201.0301.0401.0501.0601.0701.0801.0901.1001.1101.1201.1301.1401.1501.1601.1701.1801.1901.2001.2501.300
21.0201.0401.0611.0821.1031.1241.1451.1661.1881.2101.2321.2541.2771.3001.3231.3461.3691.3921.4161.4401.5631.690
31.0301.0611.0931.1251.1581.1911.2251.2601.2951.3311.3681.4051.4431.4821.5211.5611.6021.6431.6851.7281.9532.197
41.0411.0821.1261.1701.2161.2621.3111.3601.4121.4641.5181.5741.6301.6891.7491.8111.8741.9392.0052.0742.4412.856
51.0511.1041.1591.2171.2761.3381.4031.4691.5391.6111.6851.7621.8421.9252.0112.1002.1922.2882.3862.4883.0523.713
61.0621.1261.1941.2651.3401.4191.5011.5871.6771.7721.8701.9742.0822.1952.3132.4362.5652.7002.8402.9863.8154.827
71.0721.1491.2301.3161.4071.5041.6061.7141.8281.9492.0762.2112.3532.5022.6602.8263.0013.1853.3793.5834.7686.275
81.0831.1721.2671.3691.4771.5941.7181.8511.9932.1442.3052.4762.6582.8533.0593.2783.5113.7594.0214.3005.9608.157
91.0941.1951.3051.4231.5511.6891.8381.9992.1722.3582.5582.7733.0043.2523.5183.8034.1084.4354.7855.1607.45110.604
101.1051.2191.3441.4801.6291.7911.9672.1592.3672.5942.8393.1063.3953.7074.0464.4114.8075.2345.6956.1929.31313.786
111.1161.2431.3841.5391.7101.8982.1052.3322.5802.8533.1523.4793.8364.2264.6525.1175.6246.1766.7777.43011.64217.922
121.1271.2681.4261.6011.7962.0122.2522.5182.8133.1383.4983.8964.3354.8185.3505.9366.5807.2888.0648.91614.55223.298
131.1381.2941.4691.6651.8862.1332.4102.7203.0663.4523.8834.3634.8985.4926.1536.8867.6998.5999.59610.69918.19030.288
141.1491.3191.5131.7321.9802.2612.5792.9373.3423.7974.3104.8875.5356.2617.0767.9889.00710.14711.42012.83922.73739.374
151.1611.3461.5581.8012.0792.3972.7593.1723.6424.1774.7855.4746.2547.1388.1379.26610.53911.97413.59015.40728.42251.186
161.1731.3731.6051.8732.1832.5402.9523.4263.9704.5955.3116.1307.0678.1379.35810.74812.33014.12916.17218.48835.52766.542
171.1841.4001.6531.9482.2922.6933.1593.7004.3285.0545.8956.8667.9869.27610.76112.46814.42616.67219.24422.18644.40986.504
181.1961.4281.7022.0262.4072.8543.3803.9964.7175.5606.5447.6909.02410.57512.37514.46316.87919.67322.90126.62355.511112.455
191.2081.4571.7542.1072.5273.0263.6174.3165.1426.1167.2638.61310.19712.05614.23216.77719.74823.21427.25231.94869.389146.192
201.2201.4861.8062.1912.6533.2073.8704.6615.6046.7278.0629.64611.52313.74316.36719.46123.10627.39332.42938.33886.736190.050
211.2321.5161.8602.2792.7863.4004.1415.0346.1097.4008.94910.80413.02115.66818.82222.57427.03432.32438.59146.005108.420247.065
221.2451.5461.9162.3702.9253.6044.4305.4376.6598.1409.93412.10014.71417.86121.64526.18631.62938.14245.92355.206135.525321.184
231.2571.5771.9742.4653.0723.8204.7415.8717.2588.95411.02613.55216.62720.36224.89130.37637.00645.00854.64966.247169.407417.539
241.2701.6082.0332.5633.2254.0495.0726.3417.9119.85012.23915.17918.78823.21228.62535.23643.29753.10965.03279.497211.758542.801
251.2821.6412.0942.6663.3864.2925.4276.8488.62310.83513.58517.00021.23126.46232.91940.87450.65862.66977.38895.396264.698705.641
261.2951.6732.1572.7723.5564.5495.8077.3969.39911.91815.08019.04023.99130.16737.85747.41459.27073.94992.092114.475330.872917.333
271.3081.7072.2212.8833.7334.8226.2147.98810.24513.11016.73921.32527.10934.39043.53555.00069.34587.260109.589137.371413.5901192.533
281.3211.7412.2882.9993.9205.1126.6498.62711.16714.42118.58023.88430.63339.20450.06663.80081.134102.967130.411164.845516.9881550.293
291.3351.7762.3573.1194.1165.4187.1149.31712.17215.86320.62426.75034.61644.69357.57574.00994.927121.501155.189197.814646.2352015.381
301.3481.8112.4273.2434.3225.7437.61210.06313.26817.44922.89229.96039.11650.95066.21285.850111.065143.371184.675237.376807.7942619.996
401.4892.2083.2624.8017.0410.28614.97421.72531.40945.25965.00193.051132.78188.88267.86378.72533.87750.381051.71469.87523.2
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