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🪙 年金終值利率因子(FVIFA)表格產生器

專業免費的 年金終值利率因子(FVIFA)表格產生器。純前端本機毫秒級計算、零資料上傳、極致隱私保護。提供詳細公式推導、實例示範與常見問答。

即時推算結果 (Computed Output)
FVIFA (first cell) = 1 10 rows × 3 columns generated below
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What is the FVIFA Table Creator?

This tool builds a Future Value Interest Factor of an Annuity (FVIFA) table. Each factor tells you the future value of a stream of $1 payments made every period, accumulated at a given periodic interest rate. Multiply any factor by your actual payment amount to get the future value of that annuity. The table is indexed by the number of periods (n, the rows) and the periodic interest rate (i, the columns).

How to use it

Choose the annuity type, then set how many interest-rate columns you want, the starting rate and the increment between columns. Set how many period rows you want, the starting period, and the increment between rows. The tool generates a labeled grid of factors rounded to five decimal places, ready to read or print.

The formula explained

For an ordinary annuity (payments at the end of each period) the factor is

FVIFA = (((1+i)^n - 1) ÷ (i))
For an annuity due (payments at the beginning of each period) each payment earns one extra period of interest, so the factor is multiplied by (1+i):
FVIFA = (((1+i)^n - 1) ÷ (i)) (1+i)
When the rate i is exactly 0, the formula would divide by zero; the mathematical limit is simply n, so a 0% column shows the factor n.

Worked example

Ordinary annuity, i = 1% (0.01), n = 3:

(((1.01)^3 - 1) ÷ (0.01)) = ((1.030301 - 1) ÷ (0.01)) = 3.03010
At i = 3%, n = 4:
(((1.03)^4 - 1) ÷ (0.03)) = ((0.12550881) ÷ (0.03)) = 4.18363
For an annuity due with i = 1%, n = 2:
2.01000 × 1.01 = 2.03010

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📐 1. 嚴格對齊輸入量綱與單位

輸入各項數值時請務必確認量綱(例如小時、天數、金額、百分比),避免單位不匹配引發推算偏差。

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所有計算邏輯 100% 在您的終端瀏覽器內完成,資料絕不上傳伺服器,嚴格守護商業與個人隱私。

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演算法嚴格遵循國際通用數學公式與標準計算模型,經多重情境交叉核對,數值嚴密精確。

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支援一鍵複製推算結果字串至剪貼簿,亦可直接點擊列印按鈕輸出純淨 PDF 工作報表。

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建議針對極端值與多組預期情景分別試算,觀察輸出數據的波動區間,輔助做出更穩健的決策。

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本工具運算結果供日常排程、學業研習與事前參考之用,如涉及重大法規或投資決策請諮詢持證專家。

常見問題 (FAQ)

What does a single factor mean?
It is the future value of $1 paid each period. Multiply by your payment size to get the total.
Ordinary vs. due?
Ordinary pays at period end; due pays at the start, so it accumulates slightly more (by a factor of \(1 + i\)).
Why five decimals?
Classic finance tables use five-decimal factors so they can be multiplied by large payments with minimal rounding error.