複利終值係數

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。

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