結果是20385.3，最後壹期的利息是149.08。
請註意，這個過程實際上只有19，而不是20。
3.1%/4=0.775%
1 1000 0 1000
2 2007.75 7.75 1000
3 3023.310063 15.5600625 1000
4 4046.740715 23.43065298 1000
5 5078.102956 31.36224055 1000
6 6117.458254 39.35529791 1000
7 7164.868555 47.41030147 1000
8 8220.396287 55.5277313 1000
9 9284.104358 63.70807122 1000
10 10356.05617 71.95180877 1000
11 11436.3156 80.25943529 1000
12 12524.94705 88.63144592 1000
13 13622.01539 97.06833962 1000
14 14727.58601 105.5706193 1000
15 15841.7248 114.1387916 1000
16 16964.49817 122.7733672 1000
17 18095.97303 131.4748608 1000
18 19236.21682 140.243791 1000
19 20385.2975 149.0806803 1000