一个利率7% 25年(1300/年) 全保保险计算 (假定20年前开始)

Savings Schedule  (2013) If you save for 25 years... Start with a balance of $1,300.00 Earn an Annual Interest Rate of 7% (compounded Annually) Contribute $1,300.00 at the end of every Year
Year #	Beginning Balance	Earnings	Contribution Amount	Ending Balance
1	$ 1,300.00	$ 91.00	$ 1,300.00	$ 2,691.00
2	$ 2,691.00	$ 188.37	$ 1,300.00	$ 4,179.37
3	$ 4,179.37	$ 292.56	$ 1,300.00	$ 5,771.93
4	$ 5,771.93	$ 404.03	$ 1,300.00	$ 7,475.96
5	$ 7,475.96	$ 523.32	$ 1,300.00	$ 9,299.28
6	$ 9,299.28	$ 650.95	$ 1,300.00	$ 11,250.23
7	$ 11,250.23	$ 787.52	$ 1,300.00	$ 13,337.74
8	$ 13,337.74	$ 933.64	$ 1,300.00	$ 15,571.39
9	$ 15,571.39	$ 1,090.00	$ 1,300.00	$ 17,961.38
10	$ 17,961.38	$ 1,257.30	$ 1,300.00	$ 20,518.68
11	$ 20,518.68	$ 1,436.31	$ 1,300.00	$ 23,254.99
12	$ 23,254.99	$ 1,627.85	$ 1,300.00	$ 26,182.84
13	$ 26,182.84	$ 1,832.80	$ 1,300.00	$ 29,315.63
14	$ 29,315.63	$ 2,052.09	$ 1,300.00	$ 32,667.73
15	$ 32,667.73	$ 2,286.74	$ 1,300.00	$ 36,254.47
16	$ 36,254.47	$ 2,537.81	$ 1,300.00	$ 40,092.28
17	$ 40,092.28	$ 2,806.46	$ 1,300.00	$ 44,198.74
18	$ 44,198.74	$ 3,093.91	$ 1,300.00	$ 48,592.65
19	$ 48,592.65	$ 3,401.49	$ 1,300.00	$ 53,294.14
20	$ 53,294.14	$ 3,730.59	$ 1,300.00	$ 58,324.73
21	$ 58,324.73	$ 4,082.73	$ 1,300.00	$ 63,707.46
22	$ 63,707.46	$ 4,459.52	$ 1,300.00	$ 69,466.98
23	$ 69,466.98	$ 4,862.69	$ 1,300.00	$ 75,629.67
24	$ 75,629.67	$ 5,294.08	$ 1,300.00	$ 82,223.75
25	$ 82,223.75	$ 5,755.66	$ 1,300.00	$ 89,279.41
Totals		$ 55,479.42	$ 32,500.00

所有跟帖： 

• 模拟,不准 -tianfangye- ♂ (0 bytes) () 02/18/2013 postreply 17:52:56

• 这钱25年后是没有tax的，这是吸引力所在 -胡大明白- ♀ (0 bytes) () 02/18/2013 postreply 17:59:13

• 留给后代也没有遗产税.. -tianfangye- ♂ (0 bytes) () 02/18/2013 postreply 18:06:08

• 假定利率7%25年不变是骗人所在。 -laota- ♀ (0 bytes) () 02/18/2013 postreply 18:06:16

• 假定利率7%25年不变是反算.... -tianfangye- ♂ (0 bytes) () 02/18/2013 postreply 18:08:00

• 本人与保险业无 关..... -tianfangye- ♂ (0 bytes) () 02/18/2013 postreply 18:09:42

• 假如某年来一个100%的通货膨胀 -天下多蚤- ♀ (32 bytes) () 02/18/2013 postreply 18:13:21

• you are right. -tianfangye- ♂ (0 bytes) () 02/18/2013 postreply 18:25:58