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實際利率計算器

名義年利率: %
每年的複利期數: 如果複利是連續的,則留空

關於實際利率計算器

實際利率計算器用於根據名義年利率和每年複利期數計算有效年利率。

什麼是實際利率

實際利率是指從名義利率重新計算的貸款或金融產品的利率,作為年度複利應付利息的利率。它用於比較具有不同複合條款(每日,每月,每季度,每半年,每年或其他)的貸款之間的年利率。它也被稱為有效年利率,年等價率(AER)或簡單有效率。

公式

實際利率計算如同每年複合一樣。以下是實際利率的計算公式:

r = [1 +(i / n)] n - 1

其中:
r =實際利率
i=名義年利率
n =每年的複利期數(例如,每月複利12個)

如果複合是連續的,則計算將是:

r = e i - 1

其中:
r =實際利率
i=名義年利率
e = 2.71828183

實際利率表

下麵的實際利率表顯示了基於1%和50%之間名義利率的複利頻率的有效年利率:

名義利率半年度季刊每月日常連續
1% 1.002% 1.004% 1.005% 1.005% 1.005%
2% 2.010% 2.015% 2.018% 2.020% 2.020%
3% 3.022% 3.034% 3.042% 3.045% 3.045%
4% 4.040% 4.060% 4.074% 4.081% 4.081%
5% 5.062% 5.095% 5.116% 5.127% 5.127%
6% 6.090% 6.136% 6.168% 6.183% 6.184%
7% 7.122% 7.186% 7.229% 7.250% 7.251%
8% 8.160% 8.243% 8.300% 8.328% 8.329%
9% 9.202% 9.308% 9.381% 9.416% 9.417%
10% 10.250% 10.381% 10.471% 10.516% 10.517%
11% 11.302% 11.462% 115.72% 11.626% 11.628%
12% 12.360% 12.551% 12.683% 12.747% 12.750%
13% 13.422% 13.648% 13.803% 13.880% 13.883%
14% 14.490% 14.752% 14.934% 15.024% 15.027%
15% 15.562% 15.865% 16.075% 16.180% 16.183%
16% 16.640% 16.986% 17.227% 17.347% 17.351%
17% 17.722% 18.115% 18.389% 18.526% 18.530%
18% 18.810% 19.252% 19.562% 19.716% 19.722%
19% 19.903% 20.397% 20.745% 20.919% 20.925%
20% 21.000% 21.551% 21.939% 22.134% 22.140%
21% 22.103% 22.712% 23.144% 23.360% 23.368%
22% 23.210% 23.882% 24.360% 24.599% 24.608%
23% 24.323% 25.061% 25.586% 25.851% 25.860%
24% 25.440% 26.248% 26.824% 27.115% 27.125%
25% 26.563% 27.443% 28.073% 28.392% 28.403%
26% 27.690% 28.647% 29.333% 29.681% 29.693%
27% 28.822% 29.859% 30.605% 30.983% 30.996%
28% 29.960% 31.080% 31.888% 32.299% 32.313%
29% 31.103% 32.309% 33.183% 33.627% 33.643%
30% 32.250% 33.547% 34.489% 34.969% 34.986%
31% 33.403% 34.794% 35.807% 36.325% 36.343%
32% 34.560% 36.049% 37.137% 37.693% 37.713%
33% 35.723% 37.313% 38.478% 39.076% 39.097%
34% 36.890% 38.586% 39.832% 40.473% 40.495%
35% 38.063% 39.868% 41.198% 41.883% 41.907%
36% 39.240% 41.158% 42.576% 43.308% 43.333%
37% 40.423% 42.458% 43.966% 44.746% 44.773%
38% 41.610% 43.766% 45.369% 46.200% 46.228%
39% 42.803% 45.084% 46.785% 47.667% 47.698%
40% 44.000% 46.410% 48.213% 49.150% 49.182%
41% 45.203% 47.746% 49.653% 50.647% 50.682%
42% 46.410% 49.090% 51.107% 52.159% 52.196%
43% 47.623% 50.444% 52.573% 53.687% 53.726%
44% 48.840% 51.807% 54.053% 55.230% 55.271%
45% 50.063% 53.179% 55.545% 56.788% 56.831%
46% 51.290% 54.561% 57.051% 58.362% 58.407%
47% 52.522% 55.952% 58.571% 59.951% 59.999%
48% 53.760% 57.352% 60.103% 61.556% 61.607%
49% 55.003% 58.762% 61.649% 63.178% 63.232%
50% 56.250% 60.181% 63.209% 64.816% 64.872%

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