複利終值係數（即複利）是指在每經過一個計息期後，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。
基本介紹
- 中文名：複利終值係數
- 公式：（1+i）^n
計算公式,終值係數,係數表,舉例,
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% |
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 |
期數 | 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 |
期數 | 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 |
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，那么，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
