如何计算Future Value

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Future Value (FV) calculates what a current sum of money will be worth at a future date, given a rate of return. It is the foundation of investment planning — showing the power of compound growth over time.

分步指南

1. 1FV of lump sum: FV = PV × (1 + r)^n
2. 2FV of regular payments: FV = PMT × ((1+r)^n − 1) / r
3. 3PV = present value, r = periodic rate, n = periods, PMT = payment amount
4. 4Compounding frequency matters: daily > monthly > annually

例题解析