终值系数表.docx

终值系数表.docx

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终值系数表

复数终值系数：

复利终值系数（即复利）是指在每经过一个计息期后，都要将所生利息加入本金，以计算下期的利息。

这样，在每一计息期，上一个计息期的利息都要成为生息的本金，即以利生利，也就是俗称的“利滚利”。

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。

计算公式：

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，FutureValue），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，PresentValue），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