Answer 1

Answer 2

Answer 3

这是MathPHP库的修改函数。

<?php
/**
 * Future value for a loan or annuity with compound interest.
 *
 * Same as the =FV() function in most spreadsheet software.
 *
 * The basic future-value formula derivation:
 * https://en.wikipedia.org/wiki/Future_value
 *
 *                   PMT*((1+r)ᴺ - 1)
 * FV = -PV*(1+r)ᴺ - ----------------
 *                          r
 *
 * The (1+r*when) factor adjusts the payment to the beginning or end
 * of the period. In the common case of a payment at the end of a period,
 * the factor is 1 and reduces to the formula above. Setting when=1 computes
 * an "annuity due" with an immediate payment.
 *
 * Examples:
 * The future value in 5 years on a 30-year fixed mortgage note of $265000
 * at 3.5% interest paid at the end of every month. This is how much loan
 * principle would be outstanding:
 *   fv(0.035/12, 5*12, 1189.97, -265000, false)
 *
 * The present_value is negative indicating money borrowed for the mortgage,
 * whereas payment is positive, indicating money that will be paid to the
 * mortgage.
 *
 * @param float $rate
 * @param int $periods
 * @param float $payment
 * @param float $present_value
 * @param bool $beginning adjust the payment to the beginning or end of the period
 *
 * @return float
 */
function fv(float $rate, int $periods, float $payment, float $present_value, bool $beginning = false)
{
    $when = $beginning ? 1 : 0;

    if ($rate == 0) {
        $fv = -($present_value + ($payment * $periods));
        return $fv;
    }

    $initial = 1 + ($rate * $when);
    $compound = pow(1 + $rate, $periods);
    $fv = -(($present_value * $compound) + (($payment * $initial * ($compound - 1)) / $rate));

    return $fv;
}

效果很好，希望能帮到你。

参考：https://github.com/markrogoyski/math-php/blob/master/src/Finance.php

Answer 4

我遇到了类似的问题，并在this帖子上得到了某人的帮助，我希望其他人也觉得有帮助

Answer 5

我有同样的问题，发现这个功能非常好。上面这两个对我的需求不起作用......

$ R表示费率，$ n表示期限，$ pmt表示支付金额

  

功能PV（$ R，$ n，$ pmt，$ m = 1）{

     

$ Z = 1 /（1 +（$ R / $ m））;

     

返回（$ pmt * $ Z *（1 - pow（$ Z，$ n）））/（1 - $ Z）;

     

}

echo PV(0,00333333, 180, 1221);

不要忘记，如果你想知道，如果你以每年1221欧元的价格每年支付4％的费用，15年之后会得到多少，你将不得不按12的比率划分，放了180个月。