免费复利计算器
计算复利增长，查看您的投资在不同利率和复利频率下随时间的增值情况。
终值
$144,572.72
Future Value vs Monthly Contribution
复利计算器帮助您了解投资或储蓄在复利效应下的增长情况。复利被爱因斯坦称为"世界第八大奇迹"，它让您的收益不断产生新的收益，实现财富的指数级增长。
公式
复利终值通过以下公式计算：FV = P(1+r)^n + PMT × [(1+r)^n − 1] / r。该公式包含两部分：初始本金的复利增长和定期追加投入的累积增长。
- FV = 终值（未来价值）
- P = 初始本金（初始投入金额）
- r = 每期利率（年利率除以复利频率）
- n = 总复利期数（年数乘以复利频率）
- PMT = 每期追加投入金额
分步解答
- 01输入初始投入金额（P），即您的起始本金。
- 02输入年利率和复利频率（如按月、按季或按年复利），系统会计算每期利率 r。
- 03输入投资期限，系统会计算总复利期数 n。
- 04如有定期追加投入，输入每期追加金额（PMT）。
- 05公式将初始本金的增长和追加投入的累积合并，得出最终的投资总值。
计算示例
假设您初始投入10,000元，年利率8%，按月复利，每月追加投入500元，投资期限为20年。
- 01初始本金 P = 10,000 元
- 02月利率 r = 8% / 12 = 0.006667
- 03总复利期数 n = 20 × 12 = 240 期
- 04每月追加投入 PMT = 500 元
- 05代入公式：FV = 10,000 × (1.006667)^240 + 500 × [(1.006667)^240 − 1] / 0.006667 ≈ 341,272 元
复利的威力在于时间——越早开始投资，复利效应越显著。即使初始金额不大，长期坚持定期投入也能积累可观的财富。实际投资收益可能因市场波动而异，此计算结果仅供参考。
常见问题
What is compound interest?
Compound interest is interest earned on both your initial principal and previously earned interest. Unlike simple interest, compound interest grows exponentially over time.
How often is interest compounded?
This calculator assumes monthly compounding, which is the most common for savings accounts and investments. Some accounts compound daily, quarterly, or annually.
What is the Rule of 72?
The Rule of 72 is a quick way to estimate how long it takes to double your money. Divide 72 by your annual interest rate. At 7%, it takes approximately 72/7 = 10.3 years to double.
How much does starting early matter for compound interest?
Starting early has a dramatic effect. Investing $200/month from age 25 to 65 at 7% yields roughly $525,000. Waiting until age 35 and investing the same amount yields only about $243,000 — less than half — due to missing a decade of compounding.
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