未来价值因子 (FVIF) 计算器

使用我们的交互式图表计算未来价值利息因子 (FVIF) 并可视化其随期数增长的情况。了解利息和时间的影响。

未来价值因子 (FVIF) 计算器

输入计算详情：

Embed 未来价值因子 (FVIF) 计算器 Widget

未来价值因子 (FVIF) 计算器

未来价值因子计算器用于简化计算每单位现值的未来价值金额。未来价值因子也称为未来价值利息因子 (FVIF)。

什么是未来价值因子 (FVIF)？

未来价值利息因子，通常缩写为 FVIF，是用于计算现值的未来价值的乘数。它通过提供一个单一因子来简化此过程，该因子乘以您的初始投资（现值）即可得出其未来价值。该因子固有地考虑了在指定期数内复利的影响。

未来价值因子公式

FVIF 使用以下公式计算：

FVIF = (1 + r)ⁿ

r = 每期利率（小数形式）
n = 期数

此计算器的主要特点：

即时计算： 根据您的输入快速计算 FVIF。
增长可视化： 交互式折线图显示 FVIF 如何随每期增加，阐释复利的力量。
公式参考： 清晰显示基础 FVIF 公式，用于教学目的。
情景分析： 轻松更改利率和期数以比较不同的投资结果。

谁将受益？

投资者： 预测其单笔总额投资的未来价值。
财务规划师和分析师： 用于客户咨询、财务建模和阐释增长潜力。
学生： 对于学习金融、会计和货币时间价值的学生至关重要。
任何制定财务决策的人： 了解利率和时间范围如何影响投资增长。

如何使用此计算器：

输入每期利率 (%)： 输入每期利率。例如，如果年利率为 5% 且每年复利，请输入 5。如果每月复利利率为 0.5%，请输入 0.5。
输入期数： 输入投资将增长的总期数（例如，年数、月数）。这应与您利率的期数基础相对应。
点击“计算未来价值因子”。
查看您的结果：
- 计算出的未来价值因子 (FVIF) 将突出显示。
- 结果下方的图表将使用指定的利率，直观地显示从第 1 期到您输入的总期数内每期的 FVIF。这有助于您逐年（或逐期）了解复利效应。

例如，如果您计算出在 10 个时期内以 5% 的利率计算的 FVIF 为 1.6289，这意味着今天投资的 1 美元在该利率下经过 10 个时期后将增长到 1.6289 美元。

未来价值因子表

您还可以使用未来价值因子表查找未来价值因子的值。下表显示了利率从 1% 到 30%，期数从 1 到 50 的未来价值因子的值。

期数	1%	2%	3%	4%	5%
1	1.0100	1.0200	1.0300	1.0400	1.0500
2	1.0201	1.0404	1.0609	1.0816	1.1025
3	1.0303	1.0612	1.0927	1.1249	1.1576
4	1.0406	1.0824	1.1255	1.1699	1.2155
5	1.0510	1.1041	1.1593	1.2167	1.2763
6	1.0615	1.1262	1.1941	1.2653	1.3401
7	1.0721	1.1487	1.2299	1.3159	1.4071
8	1.0829	1.1717	1.2668	1.3686	1.4775
9	1.0937	1.1951	1.3048	1.4233	1.5513
10	1.1046	1.2190	1.3439	1.4802	1.6289
11	1.1157	1.2434	1.3842	1.5395	1.7103
12	1.1268	1.2682	1.4258	1.6010	1.7959
13	1.1381	1.2936	1.4685	1.6651	1.8856
14	1.1495	1.3195	1.5126	1.7317	1.9799
15	1.1610	1.3459	1.5580	1.8009	2.0789
16	1.1726	1.3728	1.6047	1.8730	2.1829
17	1.1843	1.4002	1.6528	1.9479	2.2920
18	1.1961	1.4282	1.7024	2.0258	2.4066
19	1.2081	1.4568	1.7535	2.1068	2.5270
20	1.2202	1.4859	1.8061	2.1911	2.6533
21	1.2324	1.5157	1.8603	2.2788	2.7860
22	1.2447	1.5460	1.9161	2.3699	2.9253
23	1.2572	1.5769	1.9736	2.4647	3.0715
24	1.2697	1.6084	2.0328	2.5633	3.2251
25	1.2824	1.6406	2.0938	2.6658	3.3864
26	1.2953	1.6734	2.1566	2.7725	3.5557
27	1.3082	1.7069	2.2213	2.8834	3.7335
28	1.3213	1.7410	2.2879	2.9987	3.9201
29	1.3345	1.7758	2.3566	3.1187	4.1161
30	1.3478	1.8114	2.4273	3.2434	4.3219
31	1.3613	1.8476	2.5001	3.3731	4.5380
32	1.3749	1.8845	2.5751	3.5081	4.7649
33	1.3887	1.9222	2.6523	3.6484	5.0032
34	1.4026	1.9607	2.7319	3.7943	5.2533
35	1.4166	1.9999	2.8139	3.9461	5.5160
36	1.4308	2.0399	2.8983	4.1039	5.7918
37	1.4451	2.0807	2.9852	4.2681	6.0814
38	1.4595	2.1223	3.0748	4.4388	6.3855
39	1.4741	2.1647	3.1670	4.6164	6.7048
40	1.4889	2.2080	3.2620	4.8010	7.0400
41	1.5038	2.2522	3.3599	4.9931	7.3920
42	1.5188	2.2972	3.4607	5.1928	7.7616
43	1.5340	2.3432	3.5645	5.4005	8.1497
44	1.5493	2.3901	3.6715	5.6165	8.5572
45	1.5648	2.4379	3.7816	5.8412	8.9850
46	1.5805	2.4866	3.8950	6.0748	9.4343
47	1.5963	2.5363	4.0119	6.3178	9.9060
48	1.6122	2.5871	4.1323	6.5705	10.4013
49	1.6283	2.6388	4.2562	6.8333	10.9213
50	1.6446	2.6916	4.3839	7.1067	11.4674
期数	6%	7%	8%	9%	10%
1	1.0600	1.0700	1.0800	1.0900	1.1000
2	1.1236	1.1449	1.1664	1.1881	1.2100
3	1.1910	1.2250	1.2597	1.2950	1.3310
4	1.2625	1.3108	1.3605	1.4116	1.4641
5	1.3382	1.4026	1.4693	1.5386	1.6105
6	1.4185	1.5007	1.5869	1.6771	1.7716
7	1.5036	1.6058	1.7138	1.8280	1.9487
8	1.5938	1.7182	1.8509	1.9926	2.1436
9	1.6895	1.8385	1.9990	2.1719	2.3579
10	1.7908	1.9672	2.1589	2.3674	2.5937
11	1.8983	2.1049	2.3316	2.5804	2.8531
12	2.0122	2.2522	2.5182	2.8127	3.1384
13	2.1329	2.4098	2.7196	3.0658	3.4523
14	2.2609	2.5785	2.9372	3.3417	3.7975
15	2.3966	2.7590	3.1722	3.6425	4.1772
16	2.5404	2.9522	3.4259	3.9703	4.5950
17	2.6928	3.1588	3.7000	4.3276	5.0545
18	2.8543	3.3799	3.9960	4.7171	5.5599
19	3.0256	3.6165	4.3157	5.1417	6.1159
20	3.2071	3.8697	4.6610	5.6044	6.7275
21	3.3996	4.1406	5.0338	6.1088	7.4002
22	3.6035	4.4304	5.4365	6.6586	8.1403
23	3.8197	4.7405	5.8715	7.2579	8.9543
24	4.0489	5.0724	6.3412	7.9111	9.8497
25	4.2919	5.4274	6.8485	8.6231	10.8347
26	4.5494	5.8074	7.3964	9.3992	11.9182
27	4.8223	6.2139	7.9881	10.2451	13.1100
28	5.1117	6.6488	8.6271	11.1671	14.4210
29	5.4184	7.1143	9.3173	12.1722	15.8631
30	5.7435	7.6123	10.0627	13.2677	17.4494
31	6.0881	8.1451	10.8677	14.4618	19.1943
32	6.4534	8.7153	11.7371	15.7633	21.1138
33	6.8406	9.3253	12.6760	17.1820	23.2252
34	7.2510	9.9781	13.6901	18.7284	25.5477
35	7.6861	10.6766	14.7853	20.4140	28.1024
36	8.1473	11.4239	15.9682	22.2512	30.9127
37	8.6361	12.2236	17.2456	24.2538	34.0039
38	9.1543	13.0793	18.6253	26.4367	37.4043
39	9.7035	13.9948	20.1153	28.8160	41.1448
40	10.2857	14.9745	21.7245	31.4094	45.2593
41	10.9029	16.0227	23.4625	34.2363	49.7852
42	11.5570	17.1443	25.3395	37.3175	54.7637
43	12.2505	18.3444	27.3666	40.6761	60.2401
44	12.9855	19.6285	29.5560	44.3370	66.2641
45	13.7646	21.0025	31.9204	48.3273	72.8905
46	14.5905	22.4726	34.4741	52.6767	80.1795
47	15.4659	24.0457	37.2320	57.4176	88.1975
48	16.3939	25.7289	40.2106	62.5852	97.0172
49	17.3775	27.5299	43.4274	68.2179	106.7190
50	18.4202	29.4570	46.9016	74.3575	117.3909
期数	11%	12%	13%	14%	15%
1	1.1100	1.1200	1.1300	1.1400	1.1500
2	1.2321	1.2544	1.2769	1.2996	1.3225
3	1.3676	1.4049	1.4429	1.4815	1.5209
4	1.5181	1.5735	1.6305	1.6890	1.7490
5	1.6851	1.7623	1.8424	1.9254	2.0114
6	1.8704	1.9738	2.0820	2.1950	2.3131
7	2.0762	2.2107	2.3526	2.5023	2.6600
8	2.3045	2.4760	2.6584	2.8526	3.0590
9	2.5580	2.7731	3.0040	3.2519	3.5179
10	2.8394	3.1058	3.3946	3.7072	4.0456
11	3.1518	3.4785	3.8359	4.2262	4.6524
12	3.4985	3.8960	4.3345	4.8179	5.3503
13	3.8833	4.3635	4.8980	5.4924	6.1528
14	4.3104	4.8871	5.5348	6.2613	7.0757
15	4.7846	5.4736	6.2543	7.1379	8.1371
16	5.3109	6.1304	7.0673	8.1372	9.3576
17	5.8951	6.8660	7.9861	9.2765	10.7613
18	6.5436	7.6900	9.0243	10.5752	12.3755
19	7.2633	8.6128	10.1974	12.0557	14.2318
20	8.0623	9.6463	11.5231	13.7435	16.3665
21	8.9492	10.8038	13.0211	15.6676	18.8215
22	9.9336	12.1003	14.7138	17.8610	21.6447
23	11.0263	13.5523	16.6266	20.3616	24.8915
24	12.2392	15.1786	18.7881	23.2122	28.6252
25	13.5855	17.0001	21.2305	26.4619	32.9190
26	15.0799	19.0401	23.9905	30.1666	37.8568
27	16.7386	21.3249	27.1093	34.3899	43.5353
28	18.5799	23.8839	30.6335	39.2045	50.0656
29	20.6237	26.7499	34.6158	44.6931	57.5755
30	22.8923	29.9599	39.1159	50.9502	66.2118
31	25.4104	33.5551	44.2010	58.0832	76.1435
32	28.2056	37.5817	49.9471	66.2148	87.5651
33	31.3082	42.0915	56.4402	75.4849	100.6998
34	34.7521	47.1425	63.7774	86.0528	115.8048
35	38.5749	52.7996	72.0685	98.1002	133.1755
36	42.8181	59.1356	81.4374	111.8342	153.1519
37	47.5281	66.2318	92.0243	127.4910	176.1246
38	52.7562	74.1797	103.9874	145.3397	202.5433
39	58.5593	83.0812	117.5058	165.6873	232.9248
40	65.0009	93.0510	132.7816	188.8835	267.8635
41	72.1510	104.2171	150.0432	215.3272	308.0431
42	80.0876	116.7231	169.5488	245.4730	354.2495
43	88.8972	130.7299	191.5901	279.8392	407.3870
44	98.6759	146.4175	216.4968	319.0167	468.4950
45	109.5302	163.9876	244.6414	363.6791	538.7693
46	121.5786	183.6661	276.4448	414.5941	619.5847
47	134.9522	205.7061	312.3826	472.6373	712.5224
48	149.7970	230.3908	352.9923	538.8065	819.4007
49	166.2746	258.0377	398.8813	614.2395	942.3108
50	184.5648	289.0022	450.7359	700.2330	1083.6574
期数	16%	17%	18%	19%	20%
1	1.1600	1.1700	1.1800	1.1900	1.2000
2	1.3456	1.3689	1.3924	1.4161	1.4400
3	1.5609	1.6016	1.6430	1.6852	1.7280
4	1.8106	1.8739	1.9388	2.0053	2.0736
5	2.1003	2.1924	2.2878	2.3864	2.4883
6	2.4364	2.5652	2.6996	2.8398	2.9860
7	2.8262	3.0012	3.1855	3.3793	3.5832
8	3.2784	3.5115	3.7589	4.0214	4.2998
9	3.8030	4.1084	4.4355	4.7854	5.1598
10	4.4114	4.8068	5.2338	5.6947	6.1917
11	5.1173	5.6240	6.1759	6.7767	7.4301
12	5.9360	6.5801	7.2876	8.0642	8.9161
13	6.8858	7.6987	8.5994	9.5964	10.6993
14	7.9875	9.0075	10.1472	11.4198	12.8392
15	9.2655	10.5387	11.9737	13.5895	15.4070
16	10.7480	12.3303	14.1290	16.1715	18.4884
17	12.4677	14.4265	16.6722	19.2441	22.1861
18	14.4625	16.8790	19.6733	22.9005	26.6233
19	16.7765	19.7484	23.2144	27.2516	31.9480
20	19.4608	23.1056	27.3930	32.4294	38.3376
21	22.5745	27.0336	32.3238	38.5910	46.0051
22	26.1864	31.6293	38.1421	45.9233	55.2061
23	30.3762	37.0062	45.0076	54.6487	66.2474
24	35.2364	43.2973	53.1090	65.0320	79.4968
25	40.8742	50.6578	62.6686	77.3881	95.3962
26	47.4141	59.2697	73.9490	92.0918	114.4755
27	55.0004	69.3455	87.2598	109.5893	137.3706
28	63.8004	81.1342	102.9666	130.4112	164.8447
29	74.0085	94.9271	121.5005	155.1893	197.8136
30	85.8499	111.0647	143.3706	184.6753	237.3763
31	99.5859	129.9456	169.1774	219.7636	284.8516
32	115.5196	152.0364	199.6293	261.5187	341.8219
33	134.0027	177.8826	235.5625	311.2073	410.1863
34	155.4432	208.1226	277.9638	370.3366	492.2235
35	180.3141	243.5035	327.9973	440.7006	590.6682
36	209.1643	284.8991	387.0368	524.4337	708.8019
37	242.6306	333.3319	456.7034	624.0761	850.5622
38	281.4515	389.9983	538.9100	742.6506	1020.6747
39	326.4838	456.2980	635.9139	883.7542	1224.8096
40	378.7212	533.8687	750.3783	1051.6675	1469.7716
41	439.3165	624.6264	885.4464	1251.4843	1763.7259
42	509.6072	730.8129	1044.8268	1489.2664	2116.4711
43	591.1443	855.0511	1232.8956	1772.2270	2539.7653
44	685.7274	1000.4098	1454.8168	2108.9501	3047.7183
45	795.4438	1170.4794	1716.6839	2509.6506	3657.2620
46	922.7148	1369.4609	2025.6870	2986.4842	4388.7144
47	1070.3492	1602.2693	2390.3106	3553.9162	5266.4573
48	1241.6051	1874.6550	2820.5665	4229.1603	6319.7487
49	1440.2619	2193.3464	3328.2685	5032.7008	7583.6985
50	1670.7038	2566.2153	3927.3569	5988.9139	9100.4382
期数	21%	22%	23%	24%	25%
1	1.2100	1.2200	1.2300	1.2400	1.2500
2	1.4641	1.4884	1.5129	1.5376	1.5625
3	1.7716	1.8158	1.8609	1.9066	1.9531
4	2.1436	2.2153	2.2889	2.3642	2.4414
5	2.5937	2.7027	2.8153	2.9316	3.0518
6	3.1384	3.2973	3.4628	3.6352	3.8147
7	3.7975	4.0227	4.2593	4.5077	4.7684
8	4.5950	4.9077	5.2389	5.5895	5.9605
9	5.5599	5.9874	6.4439	6.9310	7.4506
10	6.7275	7.3046	7.9259	8.5944	9.3132
11	8.1403	8.9117	9.7489	10.6571	11.6415
12	9.8497	10.8722	11.9912	13.2148	14.5519
13	11.9182	13.2641	14.7491	16.3863	18.1899
14	14.4210	16.1822	18.1414	20.3191	22.7374
15	17.4494	19.7423	22.3140	25.1956	28.4217
16	21.1138	24.0856	27.4462	31.2426	35.5271
17	25.5477	29.3844	33.7588	38.7408	44.4089
18	30.9127	35.8490	41.5233	48.0386	55.5112
19	37.4043	43.7358	51.0737	59.5679	69.3889
20	45.2593	53.3576	62.8206	73.8641	86.7362
21	54.7637	65.0963	77.2694	91.5915	108.4202
22	66.2641	79.4175	95.0413	113.5735	135.5253
23	80.1795	96.8894	116.9008	140.8312	169.4066
24	97.0172	118.2050	143.7880	174.6306	211.7582
25	117.3909	144.2101	176.8593	216.5420	264.6978
26	142.0429	175.9364	217.5369	268.5121	330.8722
27	171.8719	214.6424	267.5704	332.9550	413.5903
28	207.9651	261.8637	329.1115	412.8642	516.9879
29	251.6377	319.4737	404.8072	511.9516	646.2349
30	304.4816	389.7579	497.9129	634.8199	807.7936
31	368.4228	475.5046	612.4328	787.1767	1009.7420
32	445.7916	580.1156	753.2924	976.0991	1262.1774
33	539.4078	707.7411	926.5496	1210.3629	1577.7218
34	652.6834	863.4441	1139.6560	1500.8500	1972.1523
35	789.7470	1053.4018	1401.7769	1861.0540	2465.1903
36	955.5938	1285.1502	1724.1856	2307.7070	3081.4879
37	1156.2685	1567.8833	2120.7483	2861.5567	3851.8599
38	1399.0849	1912.8176	2608.5204	3548.3303	4814.8249
39	1692.8927	2333.6375	3208.4801	4399.9295	6018.5311
40	2048.4002	2847.0378	3946.4305	5455.9126	7523.1638
41	2478.5643	3473.3861	4854.1095	6765.3317	9403.9548
42	2999.0628	4237.5310	5970.5547	8389.0113	11754.9435
43	3628.8659	5169.7878	7343.7823	10402.3740	14693.6794
44	4390.9278	6307.1411	9032.8522	12898.9437	18367.0992
45	5313.0226	7694.7122	11110.4082	15994.6902	22958.8740
46	6428.7574	9387.5489	13665.8021	19833.4158	28698.5925
47	7778.7964	11452.8096	16808.9365	24593.4356	35873.2407
48	9412.3437	13972.4277	20674.9919	30495.8602	44841.5509
49	11388.9358	17046.3618	25430.2401	37814.8666	56051.9386
50	13780.6123	20796.5615	31279.1953	46890.4346	70064.9232
期数	26%	27%	28%	29%	30%
1	1.2600	1.2700	1.2800	1.2900	1.3000
2	1.5876	1.6129	1.6384	1.6641	1.6900
3	2.0004	2.0484	2.0972	2.1467	2.1970
4	2.5205	2.6014	2.6844	2.7692	2.8561
5	3.1758	3.3038	3.4360	3.5723	3.7129
6	4.0015	4.1959	4.3980	4.6083	4.8268
7	5.0419	5.3288	5.6295	5.9447	6.2749
8	6.3528	6.7675	7.2058	7.6686	8.1573
9	8.0045	8.5948	9.2234	9.8925	10.6045
10	10.0857	10.9153	11.8059	12.7614	13.7858
11	12.7080	13.8625	15.1116	16.4622	17.9216
12	16.0120	17.6053	19.3428	21.2362	23.2981
13	20.1752	22.3588	24.7588	27.3947	30.2875
14	25.4207	28.3957	31.6913	35.3391	39.3738
15	32.0301	36.0625	40.5648	45.5875	51.1859
16	40.3579	45.7994	51.9230	58.8079	66.5417
17	50.8510	58.1652	66.4614	75.8621	86.5042
18	64.0722	73.8698	85.0706	97.8622	112.4554
19	80.7310	93.8147	108.8904	126.2422	146.1920
20	101.7211	119.1446	139.3797	162.8524	190.0496
21	128.1685	151.3137	178.4060	210.0796	247.0645
22	161.4924	192.1683	228.3596	271.0027	321.1839
23	203.4804	244.0538	292.3003	349.5935	417.5391
24	256.3853	309.9483	374.1444	450.9756	542.8008
25	323.0454	393.6344	478.9049	581.7585	705.6410
26	407.0373	499.9157	612.9982	750.4685	917.3333
27	512.8670	634.8929	784.6377	968.1044	1192.5333
28	646.2124	806.3140	1004.3363	1248.8546	1550.2933
29	814.2276	1024.0187	1285.5504	1611.0225	2015.3813
30	1025.9267	1300.5038	1645.5046	2078.2190	2619.9956
31	1292.6677	1651.6398	2106.2458	2680.9025	3405.9943
32	1628.7613	2097.5826	2695.9947	3458.3642	4427.7926
33	2052.2392	2663.9299	3450.8732	4461.2898	5756.1304
34	2585.8215	3383.1910	4417.1177	5755.0639	7482.9696
35	3258.1350	4296.6525	5653.9106	7424.0324	9727.8604
36	4105.2501	5456.7487	7237.0056	9577.0018	12646.2186
37	5172.6152	6930.0709	9263.3671	12354.3324	16440.0841
38	6517.4951	8801.1900	11857.1099	15937.0888	21372.1094
39	8212.0438	11177.5113	15177.1007	20558.8445	27783.7422
40	10347.1752	14195.4393	19426.6889	26520.9094	36118.8648
41	13037.4408	18028.2080	24866.1618	34211.9731	46954.5243
42	16427.1754	22895.8241	31828.6871	44133.4453	61040.8815
43	20698.2410	29077.6966	40740.7195	56932.1445	79353.1460
44	26079.7837	36928.6747	52148.1210	73442.4664	103159.0898
45	32860.5275	46899.4169	66749.5949	94740.7816	134106.8167
46	41404.2646	59562.2594	85439.4814	122215.6083	174338.8617
47	52169.3734	75644.0695	109362.5362	157658.1347	226640.5202
48	65733.4105	96067.9683	139984.0464	203378.9938	294632.6763
49	82824.0972	122006.3197	179179.5794	262358.9020	383022.4792
50	104358.3625	154948.0260	229349.8616	338442.9836	497929.2230