Excel 計複息

p.a. = 5.0%
Monthly pay = $1,000

MonthBalanceCapitalCum. Growth
3 $3,013$3,0000.4%
6 $6,063$6,0001.0%
9 $9,151$9,0001.7%
12 $12,279$12,0002.3%


用FV 在 Excel 計複息，5%pa，每月儲$1,000，一年後本息有$12,279
這計算結果正確嗎？