PHP program and server-side communication Method _php Tutorial

"Installment" is a common investment method for working-class, which needs to calculate the future value of the investment, so as to decide whether to choose some kind of saving method.

(1) Function decomposition

The FV function returns the future value of an investment based on a fixed interest rate and a constant payment method.

Syntax: FV (Rate,nper,pmt,pv,type)

Rate is the period of interest; NPer is the total investment period, that is, the total payment period of the investment; PMT is the amount to be paid for each period, and its value remains constant throughout the annuity period; PV is the present value, that is, the amount of money that has been recorded at the beginning of the investment, or a series of current values for future payments ; Type is a number 0 or 1 that specifies whether the payment time for each period is at the beginning or end of the period.

(2) Example analysis

Create a new worksheet and enter the investment rate, investment term, investment amount, and account initial amount in their A1, B1, C1, and D1 cells, respectively. Suppose the wife to create a new account at the end of the monthly deposit of 300 yuan, 2.1% (that is, monthly 0.00175), continuous deposit 5 years, you can enter "0.00175", "60", "500" and "1" in A2, B2, C2, D2 cells respectively.

Then select the E2 cell input formula "=FV (a2,b2,-c2,d2,1)", enter the investment to obtain the total maturity of the principal is "￥18,994.67". The formula "-C2" means that the money is expenditure, "C2" before the minus sign can also, so the result is negative.

If the husband also has "installment" account, deposit 200 yuan at the beginning of each month, 1.28% (that is, monthly 0.001667), continuous deposit 3 years, you can enter "0.001667", "36", "200" and "0" in A3, B3, C3, D3 cells respectively. Then copy the formula in cell E2 to cell E3 (point the cursor at the E2 cell's drag handle, and when the black crosshair appears and drag down one of the blocks), you will be informed that the investment's maturity principal is "￥7,426.42".

Note: The above calculation results include principal and interest, but do not include other charges such as interest tax.

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