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私たちＦＰがライフプランの資金運用あるいはローン返済額などを簡便に求める際に、６つの係数と言うのを良く使います。
ご参考までに、その６つの係数をご披露しますので、是非ご活用下さい。
|
|
| 終価係数（１年複利） |
| 年＼年利 |
1% |
2% |
3% |
4% |
5% |
6% |
7% |
8% |
9% |
10% |
| 1 |
1.010 |
1.020 |
1.030 |
1.040 |
1.050 |
1.060 |
1.070 |
1.080 |
1.090 |
1.100 |
| 2 |
1.020 |
1.040 |
1.061 |
1.082 |
1.103 |
1.124 |
1.145 |
1.166 |
1.188 |
1.210 |
| 3 |
1.030 |
1.061 |
1.093 |
1.125 |
1.158 |
1.191 |
1.225 |
1.260 |
1.295 |
1.331 |
| 4 |
1.041 |
1.082 |
1.126 |
1.170 |
1.216 |
1.262 |
1.311 |
1.360 |
1.412 |
1.464 |
| 5 |
1.051 |
1.104 |
1.159 |
1.217 |
1.276 |
1.338 |
1.403 |
1.469 |
1.539 |
1.611 |
| 6 |
1.062 |
1.126 |
1.194 |
1.265 |
1.340 |
1.419 |
1.501 |
1.587 |
1.677 |
1.772 |
| 7 |
1.072 |
1.149 |
1.230 |
1.316 |
1.407 |
1.504 |
1.606 |
1.714 |
1.828 |
1.949 |
| 8 |
1.083 |
1.172 |
1.267 |
1.369 |
1.477 |
1.594 |
1.718 |
1.851 |
1.993 |
2.144 |
| 9 |
1.094 |
1.195 |
1.305 |
1.423 |
1.551 |
1.689 |
1.838 |
1.999 |
2.172 |
2.358 |
| 10 |
1.105 |
1.219 |
1.344 |
1.480 |
1.629 |
1.791 |
1.967 |
2.159 |
2.367 |
2.594 |
| 11 |
1.116 |
1.243 |
1.384 |
1.539 |
1.710 |
1.898 |
2.105 |
2.332 |
2.580 |
2.853 |
| 12 |
1.127 |
1.268 |
1.426 |
1.601 |
1.796 |
2.012 |
2.252 |
2.518 |
2.813 |
3.138 |
| 13 |
1.138 |
1.294 |
1.469 |
1.665 |
1.886 |
2.133 |
2.410 |
2.720 |
3.066 |
3.452 |
| 14 |
1.149 |
1.319 |
1.513 |
1.732 |
1.980 |
2.261 |
2.579 |
2.937 |
3.342 |
3.797 |
| 15 |
1.161 |
1.346 |
1.558 |
1.801 |
2.079 |
2.397 |
2.759 |
3.172 |
3.642 |
4.177 |
| 20 |
1.220 |
1.486 |
1.806 |
2.191 |
2.653 |
3.207 |
3.870 |
4.661 |
5.604 |
6.727 |
預金複利早見表とも言われ100万円の元本を年利何％で1年複利で運用した場合何年後にいくらになるかを計算する場合使われます。
| 現価係数（１年複利） |
| 年＼年利 |
1% |
2% |
3% |
4% |
5% |
6% |
7% |
8% |
9% |
10% |
| 1 |
0.9901 |
0.9804 |
0.9709 |
0.9615 |
0.9524 |
0.9434 |
0.9346 |
0.9259 |
0.9174 |
0.9091 |
| 2 |
0.9803 |
0.9612 |
0.9426 |
0.9246 |
0.9070 |
0.8900 |
0.8734 |
0.8573 |
0.8417 |
0.8264 |
| 3 |
0.9706 |
0.9423 |
0.9151 |
0.8890 |
0.8638 |
0.8396 |
0.8163 |
0.7938 |
0.7722 |
0.7513 |
| 4 |
0.9610 |
0.9238 |
0.8885 |
0.8548 |
0.8227 |
0.7921 |
0.7629 |
0.7350 |
0.7084 |
0.6830 |
| 5 |
0.9515 |
0.9057 |
0.8626 |
0.8219 |
0.7835 |
0.7473 |
0.7130 |
0.6806 |
0.6499 |
0.6209 |
| 6 |
0.9420 |
0.8880 |
0.8375 |
0.7903 |
0.7462 |
0.7050 |
0.6663 |
0.6302 |
0.5963 |
0.5645 |
| 7 |
0.9327 |
0.8706 |
0.8131 |
0.7599 |
0.7107 |
0.6651 |
0.6227 |
0.5835 |
0.5470 |
0.5132 |
| 8 |
0.9235 |
0.8535 |
0.7894 |
0.7307 |
0.6768 |
0.6274 |
0.5820 |
0.5403 |
0.5019 |
0.4665 |
| 9 |
0.9143 |
0.8368 |
0.7664 |
0.7026 |
0.6446 |
0.5919 |
0.5439 |
0.5002 |
0.4604 |
0.4241 |
| 10 |
0.9053 |
0.8203 |
0.7441 |
0.6756 |
0.6139 |
0.5584 |
0.5083 |
0.4632 |
0.4224 |
0.3855 |
| 11 |
0.8963 |
0.8043 |
0.7224 |
0.6496 |
0.5847 |
0.5268 |
0.4751 |
0.4289 |
0.3875 |
0.3505 |
| 12 |
0.8874 |
0.7885 |
0.7014 |
0.6246 |
0.5568 |
0.4970 |
0.4440 |
0.3971 |
0.3555 |
0.3186 |
| 13 |
0.8787 |
0.7730 |
0.6810 |
0.6006 |
0.5303 |
0.4688 |
0.4150 |
0.3677 |
0.3262 |
0.2897 |
| 14 |
0.8700 |
0.7579 |
0.6611 |
0.5775 |
0.5051 |
0.4423 |
0.3878 |
0.3405 |
0.2992 |
0.2633 |
| 15 |
0.8613 |
0.7430 |
0.6419 |
0.5553 |
0.4810 |
0.4173 |
0.3624 |
0.3152 |
0.2745 |
0.2394 |
| 20 |
0.8195 |
0.6730 |
0.5537 |
0.4564 |
0.3769 |
0.3118 |
0.2584 |
0.2145 |
0.1784 |
0.1486 |
使用例としては何年後に1,000万円にしたい場合、年利何％の1年複利で運用するならば現在時点いくら必要かを求める場合利用できます。
| 年金終価係数（１年複利） |
| 年＼年利 |
1% |
2% |
3% |
4% |
5% |
6% |
7% |
8% |
9% |
10% |
| 1 |
1.000 |
1.000 |
1.000 |
1.000 |
1.000 |
1.000 |
1.000 |
1.000 |
1.000 |
1.000 |
| 2 |
2.010 |
2.020 |
2.030 |
2.040 |
2.050 |
2.060 |
2.070 |
2.080 |
2.090 |
2.100 |
| 3 |
3.030 |
3.060 |
3.091 |
3.122 |
3.153 |
3.184 |
3.215 |
3.246 |
3.278 |
3.310 |
| 4 |
4.060 |
4.122 |
4.184 |
4.246 |
4.310 |
4.375 |
4.440 |
4.506 |
4.573 |
4.641 |
| 5 |
5.101 |
5.204 |
5.309 |
5.416 |
5.526 |
5.637 |
5.751 |
5.867 |
5.985 |
6.105 |
| 6 |
6.152 |
6.308 |
6.468 |
6.633 |
6.802 |
6.975 |
7.153 |
7.336 |
7.523 |
7.716 |
| 7 |
7.214 |
7.434 |
7.662 |
7.898 |
8.142 |
8.394 |
8.654 |
8.923 |
9.200 |
9.487 |
| 8 |
8.286 |
8.583 |
8.892 |
9.214 |
9.549 |
9.897 |
10.260 |
10.637 |
11.028 |
11.436 |
| 9 |
9.369 |
9.755 |
10.159 |
10.583 |
11.027 |
11.491 |
11.978 |
12.488 |
13.021 |
13.579 |
| 10 |
10.462 |
10.950 |
11.464 |
12.006 |
12.578 |
13.181 |
13.816 |
14.487 |
15.193 |
15.937 |
| 11 |
11.567 |
12.169 |
12.808 |
13.486 |
14.207 |
14.972 |
15.784 |
16.645 |
17.560 |
18.531 |
| 12 |
12.683 |
13.412 |
14.192 |
15.026 |
15.917 |
16.870 |
17.888 |
18.977 |
20.141 |
21.384 |
| 13 |
13.809 |
14.680 |
15.618 |
16.627 |
17.713 |
18.882 |
20.141 |
21.495 |
22.953 |
24.523 |
| 14 |
14.947 |
15.974 |
17.086 |
18.292 |
19.599 |
21.015 |
22.550 |
24.215 |
26.019 |
27.975 |
| 15 |
16.097 |
17.293 |
18.599 |
20.024 |
21.579 |
23.276 |
25.129 |
27.152 |
29.361 |
31.772 |
| 20 |
22.019 |
24.297 |
26.870 |
29.778 |
33.066 |
36.786 |
40.995 |
45.762 |
51.160 |
57.275 |
| 25 |
28.243 |
32.030 |
36.459 |
41.646 |
47.727 |
54.865 |
63.249 |
73.106 |
84.701 |
98.347 |
| 30 |
34.785 |
40.568 |
47.575 |
56.085 |
66.439 |
79.058 |
94.461 |
113.283 |
136.308 |
164.494 |
これは定期的に定額積み立てをした場合に一定期間後に受け取れる金額を計算する為の係数です。
| 減債基金係数（１年複利） |
| 年＼年利 |
1% |
2% |
3% |
4% |
5% |
6% |
7% |
8% |
9% |
10% |
| 1 |
1.00000 |
1.00000 |
1.00000 |
1.00000 |
1.00000 |
1.00000 |
1.00000 |
1.00000 |
1.00000 |
1.00000 |
| 2 |
0.49751 |
0.49505 |
0.49261 |
0.49020 |
0.48780 |
0.48544 |
0.48309 |
0.48077 |
0.47847 |
0.47619 |
| 3 |
0.33002 |
0.32675 |
0.32353 |
0.32035 |
0.31721 |
0.31411 |
0.31105 |
0.30803 |
0.30505 |
0.30211 |
| 4 |
0.24628 |
0.24262 |
0.23903 |
0.23549 |
0.23201 |
0.22859 |
0.22523 |
0.22192 |
0.21867 |
0.21547 |
| 5 |
0.19604 |
0.19216 |
0.18835 |
0.18463 |
0.18097 |
0.17740 |
0.17389 |
0.17046 |
0.16708 |
0.16380 |
| 6 |
0.16255 |
0.15853 |
0.15460 |
0.15076 |
0.14702 |
0.14336 |
0.13980 |
0.13632 |
0.13292 |
0.12961 |
| 7 |
0.13863 |
0.13451 |
0.13051 |
0.12661 |
0.12282 |
0.11914 |
0.11555 |
0.11207 |
0.10869 |
0.10541 |
| 8 |
0.12069 |
0.11651 |
0.11246 |
0.10853 |
0.10472 |
0.10104 |
0.09747 |
0.09401 |
0.09067 |
0.08744 |
| 9 |
0.10674 |
0.10252 |
0.09843 |
0.09449 |
0.09069 |
0.08702 |
0.08349 |
0.08008 |
0.07680 |
0.07364 |
| 10 |
0.09558 |
0.09133 |
0.08723 |
0.08329 |
0.07950 |
0.07587 |
0.07238 |
0.06903 |
0.06582 |
0.06275 |
| 11 |
0.08645 |
0.08218 |
0.07808 |
0.07415 |
0.07039 |
0.06679 |
0.06336 |
0.06008 |
0.05695 |
0.05396 |
| 12 |
0.07885 |
0.07456 |
0.07046 |
0.06655 |
0.06283 |
0.05928 |
0.05590 |
0.05270 |
0.04965 |
0.04676 |
| 13 |
0.07241 |
0.06812 |
0.06403 |
0.06014 |
0.05646 |
0.05296 |
0.04965 |
0.04652 |
0.04357 |
0.04078 |
| 14 |
0.06690 |
0.06260 |
0.05853 |
0.05467 |
0.05102 |
0.04785 |
0.04434 |
0.04130 |
0.03843 |
0.03575 |
| 15 |
0.06212 |
0.05783 |
0.05377 |
0.04994 |
0.04634 |
0.04296 |
0.03979 |
0.03683 |
0.03406 |
0.03147 |
| 20 |
0.04542 |
0.04116 |
0.03722 |
0.03358 |
0.03024 |
0.02718 |
0.02439 |
0.02185 |
0.01955 |
0.01746 |
| 25 |
0.03541 |
0.03122 |
0.02743 |
0.02401 |
0.02095 |
0.01823 |
0.01581 |
0.01368 |
0.01181 |
0.01017 |
| 30 |
0.02875 |
0.02465 |
0.02102 |
0.01783 |
0.01505 |
0.01265 |
0.01059 |
0.00883 |
0.00734 |
0.00608 |
これは、目標金額を貯めるのに必要となる毎年一定の積立額を計算する為の係数です。
| 資本回収係数(１年複利） |
| 年＼年利 |
1% |
2% |
3% |
4% |
5% |
6% |
7% |
8% |
9% |
10% |
| 1 |
1.01000 |
1.02000 |
1.03000 |
1.04000 |
1.05000 |
1.06000 |
1.07000 |
1.08000 |
1.09000 |
1.10000 |
| 2 |
0.50751 |
0.51505 |
0.52261 |
0.53020 |
0.53780 |
0.54544 |
0.55309 |
0.56077 |
0.56847 |
0.57619 |
| 3 |
0.34002 |
0.34675 |
0.35353 |
0.36035 |
0.36721 |
0.37411 |
0.38105 |
0.38803 |
0.39505 |
0.40211 |
| 4 |
0.25628 |
0.26262 |
0.26903 |
0.27549 |
0.28201 |
0.28859 |
0.29523 |
0.30192 |
0.30867 |
0.31547 |
| 5 |
0.20604 |
0.21216 |
0.21835 |
0.22463 |
0.23097 |
0.23740 |
0.24389 |
0.25046 |
0.25709 |
0.26380 |
| 6 |
0.17255 |
0.17853 |
0.18460 |
0.19076 |
0.19702 |
0.20336 |
0.20980 |
0.21632 |
0.22292 |
0.22961 |
| 7 |
0.14863 |
0.15451 |
0.16051 |
0.16661 |
0.17282 |
0.17914 |
0.18555 |
0.19207 |
0.19869 |
0.20541 |
| 8 |
0.13069 |
0.13651 |
0.14246 |
0.14853 |
0.15472 |
0.16104 |
0.16747 |
0.17401 |
0.18067 |
0.18744 |
| 9 |
0.11674 |
0.12252 |
0.12843 |
0.13449 |
0.14069 |
0.14702 |
0.15349 |
0.16008 |
0.16680 |
0.17364 |
| 10 |
0.10558 |
0.11133 |
0.11723 |
0.12329 |
0.12950 |
0.13587 |
0.14238 |
0.14903 |
0.15582 |
0.16275 |
| 11 |
0.09654 |
0.10218 |
0.10808 |
0.11415 |
0.12039 |
0.12679 |
0.13336 |
0.14008 |
0.14695 |
0.15396 |
| 12 |
0.08850 |
0.09456 |
0.10046 |
0.10655 |
0.11283 |
0.11928 |
0.12590 |
0.13270 |
0.13965 |
0.14676 |
| 13 |
0.08241 |
0.08812 |
0.09403 |
0.10014 |
0.10646 |
0.11296 |
0.11965 |
0.12652 |
0.13357 |
0.14078 |
| 14 |
0.07690 |
0.08260 |
0.08853 |
0.09467 |
0.10102 |
0.10758 |
0.11434 |
0.12130 |
0.12843 |
0.13575 |
| 15 |
0.07212 |
0.07783 |
0.08377 |
0.08994 |
0.09634 |
0.10296 |
0.10979 |
0.11683 |
0.12406 |
0.13147 |
| 20 |
0.05542 |
0.06116 |
0.06722 |
0.07358 |
0.08024 |
0.08718 |
0.09439 |
0.10185 |
0.10955 |
0.11746 |
| 25 |
0.04541 |
0.05122 |
0.05743 |
0.06401 |
0.07095 |
0.07823 |
0.08581 |
0.09368 |
0.10181 |
0.11017 |
| 30 |
0.03875 |
0.04465 |
0.05102 |
0.05783 |
0.06505 |
0.07265 |
0.08059 |
0.08883 |
0.09734 |
0.10608 |
これは、現在の元本を一定利率で運用しながら年金を受け取る場合の毎年の受取額を計算する係数で、ローンを借り入れた場合の毎年の返済額の計算にも利用できる。
| 年金現価係数（１年複利） |
| 年＼年利 |
1% |
2% |
3% |
4% |
5% |
6% |
7% |
8% |
9% |
10% |
| 1 |
0.990 |
0.980 |
0.971 |
0.962 |
0.952 |
0.943 |
0.935 |
0.926 |
0.917 |
0.909 |
| 2 |
1.970 |
1.942 |
1.913 |
1.886 |
1.859 |
1.833 |
1.808 |
1.783 |
1.759 |
1.736 |
| 3 |
2.941 |
2.884 |
2.829 |
2.775 |
2.723 |
2.673 |
2.624 |
2.577 |
2.531 |
2.487 |
| 4 |
3.902 |
3.808 |
3.717 |
3.630 |
3.546 |
3.465 |
3.387 |
3.312 |
3.240 |
3.170 |
| 5 |
4.853 |
4.713 |
4.580 |
4.452 |
4.329 |
4.212 |
4.100 |
3.993 |
3.890 |
3.791 |
| 6 |
5.795 |
5.601 |
5.417 |
5.242 |
5.076 |
4.917 |
4.767 |
4.623 |
4.486 |
4.355 |
| 7 |
6.728 |
6.472 |
6.230 |
6.002 |
5.786 |
5.582 |
5.389 |
5.206 |
5.033 |
4.868 |
| 8 |
7.652 |
7.325 |
7.020 |
6.733 |
6.463 |
6.210 |
5.971 |
5.747 |
5.535 |
5.335 |
| 9 |
8.566 |
8.162 |
7.786 |
7.435 |
7.108 |
6.802 |
6.515 |
6.247 |
5.995 |
5.759 |
| 10 |
9.471 |
8.983 |
8.530 |
8.111 |
7.722 |
7.360 |
7.024 |
6.710 |
6.418 |
6.145 |
| 11 |
10.368 |
9.787 |
9.253 |
8.760 |
8.306 |
7.887 |
7.499 |
7.139 |
6.805 |
6.495 |
| 12 |
11.255 |
10.575 |
9.954 |
9.385 |
8.863 |
8.384 |
7.943 |
7.536 |
7.161 |
6.814 |
| 13 |
12.134 |
11.348 |
10.635 |
9.986 |
9.394 |
8.853 |
8.358 |
7.904 |
7.487 |
7.103 |
| 14 |
13.004 |
12.106 |
11.296 |
10.563 |
9.899 |
9.295 |
8.745 |
8.244 |
7.786 |
7.367 |
| 15 |
13.865 |
12.849 |
11.938 |
11.118 |
10.380 |
9.712 |
9.108 |
8.559 |
8.061 |
7.606 |
| 20 |
18.046 |
16.351 |
14.877 |
13.590 |
12.462 |
11.470 |
10.594 |
9.818 |
9.129 |
8.514 |
| 25 |
22.023 |
19.523 |
17.413 |
15.622 |
14.094 |
12.783 |
11.654 |
10.675 |
9.823 |
9.077 |
| 30 |
25.808 |
22.396 |
19.600 |
17.292 |
15.372 |
13.765 |
12.409 |
11.258 |
10.274 |
9.427 |
これは、元本を一定利率で複利運用しながら、毎年一定金額を一定期間取崩していく時、現在いくらの元本が必要かを計算する為に使います。又、毎年の返済額からローンの借入可能額を求めることもできます。
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