和朋友无意聊了这个一个有意思的问题:
设22岁本科毕业开始工作,60岁退休,每年存款10万元,银行利率固定为5%,那么退休的时候会有多少钱?
这个题目计算公式并不复杂,使用Java编程很容易即可实现,源代码附在最后。但是运行后的结果让我很惊讶,本来第一感觉最多会有五六百万,结果没想到居然达上千万,而且利息居然占了近七成!要知道这个数据还是基于10万和5%的利息计算的,随着工作年限的增加,年存款很容易突破10万,而大额存款的利息也会比5%高不少。好了,虽然早已不是22岁,但是我决定现在开始好好存钱了 ?
Year Capital Interest Total
---------------------------------------
2020 10W 0.00W 10.00W.
2021 20W 0.50W 20.50W.
2022 30W 1.52W 31.53W.
2023 40W 3.10W 43.10W.
2024 50W 5.26W 55.26W.
2025 60W 8.02W 68.02W.
2026 70W 11.42W 81.42W.
2027 80W 15.49W 95.49W.
2028 90W 20.27W 110.27W.
2029 100W 25.78W 125.78W.
2030 110W 32.07W 142.07W.
2031 120W 39.17W 159.17W.
2032 130W 47.13W 177.13W.
2033 140W 55.99W 195.99W.
2034 150W 65.79W 215.79W.
2035 160W 76.57W 236.57W.
2036 170W 88.40W 258.40W.
2037 180W 101.32W 281.32W.
2038 190W 115.39W 305.39W.
2039 200W 130.66W 330.66W.
2040 210W 147.19W 357.19W.
2041 220W 165.05W 385.05W.
2042 230W 184.30W 414.30W.
2043 240W 205.02W 445.02W.
2044 250W 227.27W 477.27W.
2045 260W 251.13W 511.13W.
2046 270W 276.69W 546.69W.
2047 280W 304.03W 584.03W.
2048 290W 333.23W 623.23W.
2049 300W 364.39W 664.39W.
2050 310W 397.61W 707.61W.
2051 320W 432.99W 752.99W.
2052 330W 470.64W 800.64W.
2053 340W 510.67W 850.67W.
2054 350W 553.20W 903.20W.
2055 360W 598.36W 958.36W.
2056 370W 646.28W 1016.28W.
2057 380W 697.10W 1077.10W.
YY一下,如果年存30万,利率8%,部分结果如下。
Year Capital Interest Total
---------------------------------------
2031 360W 209.31W 569.31W.
2036 510W 502.51W 1012.51W.
2043 720W 1282.94W 2002.94W.
2048 870W 2248.98W 3118.98W.
2051 960W 3066.41W 4026.41W.
2054 1050W 4119.50W 5169.50W.
2056 1110W 4982.11W 6092.11W.
附:Java源代码
public class Income{
public static void main(String[] args) {
double total = 0;
double rate = 0.05;
int years = 38;
int annualIncome = 10;
int capital = 0;
double interest = 0;
System.out.println("Year Capital Interest Total");
System.out.println("---------------------------------------");
for (int i = 2020; i < 2020 + years; i++) {
total += total * rate + annualIncome;
capital += annualIncome;
interest = total - capital;
System.out.printf("%2d %3dW %6.2fW %7.2fW.\n", i, capital, interest, total);
}
}
}
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如果每年存10万,工作38年退休时能有多少钱,结果让人很惊讶。
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