複利、稅的關係（二）

在前一篇　複利、稅的關係（一）中，是不考慮＂稅＂這個因素的。

在合理、正當的利潤下，做個乖乖的納稅人。

但＂稅＂又與複利、稅的關係（一）有什麼關係？

它重要嗎？

用相同的目標及利率來計算，由１塊錢成長到１００萬，要多久？

本金：１

投報率：１０％

稅率：２０％

目標：１００萬

次數	本金	投報率	利潤	稅率	稅額	稅後淨利	本利和
1	1.00	10%	0.10	20%	0.02	0.08	1.08
2	1.08	10%	0.11	20%	0.02	0.09	1.17
3	1.17	10%	0.12	20%	0.02	0.09	1.26
4	1.26	10%	0.13	20%	0.03	0.10	1.36
5	1.36	10%	0.14	20%	0.03	0.11	1.47
6	1.47	10%	0.15	20%	0.03	0.12	1.59
7	1.59	10%	0.16	20%	0.03	0.13	1.71
8	1.71	10%	0.17	20%	0.03	0.14	1.85
9	1.85	10%	0.19	20%	0.04	0.15	2.00
10	2.00	10%	0.20	20%	0.04	0.16	2.16
11	2.16	10%	0.22	20%	0.04	0.17	2.33
12	2.33	10%	0.23	20%	0.05	0.19	2.52
13	2.52	10%	0.25	20%	0.05	0.20	2.72
14	2.72	10%	0.27	20%	0.05	0.22	2.94
15	2.94	10%	0.29	20%	0.06	0.23	3.17
16	3.17	10%	0.32	20%	0.06	0.25	3.43
17	3.43	10%	0.34	20%	0.07	0.27	3.70
18	3.70	10%	0.37	20%	0.07	0.30	4.00
19	4.00	10%	0.40	20%	0.08	0.32	4.32
20	4.32	10%	0.43	20%	0.09	0.35	4.66
21	4.66	10%	0.47	20%	0.09	0.37	5.03
22	5.03	10%	0.50	20%	0.10	0.40	5.44
23	5.44	10%	0.54	20%	0.11	0.43	5.87
24	5.87	10%	0.59	20%	0.12	0.47	6.34
25	6.34	10%	0.63	20%	0.13	0.51	6.85
26	6.85	10%	0.68	20%	0.14	0.55	7.40
27	7.40	10%	0.74	20%	0.15	0.59	7.99
28	7.99	10%	0.80	20%	0.16	0.64	8.63
29	8.63	10%	0.86	20%	0.17	0.69	9.32
30	9.32	10%	0.93	20%	0.19	0.75	10.06
31	10.06	10%	1.01	20%	0.20	0.81	10.87
32	10.87	10%	1.09	20%	0.22	0.87	11.74
33	11.74	10%	1.17	20%	0.23	0.94	12.68
34	12.68	10%	1.27	20%	0.25	1.01	13.69
35	13.69	10%	1.37	20%	0.27	1.10	14.79
36	14.79	10%	1.48	20%	0.30	1.18	15.97
37	15.97	10%	1.60	20%	0.32	1.28	17.25
38	17.25	10%	1.72	20%	0.34	1.38	18.63
39	18.63	10%	1.86	20%	0.37	1.49	20.12
40	20.12	10%	2.01	20%	0.40	1.61	21.72
41	21.72	10%	2.17	20%	0.43	1.74	23.46
42	23.46	10%	2.35	20%	0.47	1.88	25.34
43	25.34	10%	2.53	20%	0.51	2.03	27.37
44	27.37	10%	2.74	20%	0.55	2.19	29.56
45	29.56	10%	2.96	20%	0.59	2.36	31.92
46	31.92	10%	3.19	20%	0.64	2.55	34.47
47	34.47	10%	3.45	20%	0.69	2.76	37.23
48	37.23	10%	3.72	20%	0.74	2.98	40.21
49	40.21	10%	4.02	20%	0.80	3.22	43.43
50	43.43	10%	4.34	20%	0.87	3.47	46.90
51	46.90	10%	4.69	20%	0.94	3.75	50.65
52	50.65	10%	5.07	20%	1.01	4.05	54.71
53	54.71	10%	5.47	20%	1.09	4.38	59.08
54	59.08	10%	5.91	20%	1.18	4.73	63.81
55	63.81	10%	6.38	20%	1.28	5.10	68.91
56	68.91	10%	6.89	20%	1.38	5.51	74.43
57	74.43	10%	7.44	20%	1.49	5.95	80.38
58	80.38	10%	8.04	20%	1.61	6.43	86.81
59	86.81	10%	8.68	20%	1.74	6.94	93.76
60	93.76	10%	9.38	20%	1.88	7.50	101.26
61	101.26	10%	10.13	20%	2.03	8.10	109.36
62	109.36	10%	10.94	20%	2.19	8.75	118.11
63	118.11	10%	11.81	20%	2.36	9.45	127.55
64	127.55	10%	12.76	20%	2.55	10.20	137.76
65	137.76	10%	13.78	20%	2.76	11.02	148.78
66	148.78	10%	14.88	20%	2.98	11.90	160.68
67	160.68	10%	16.07	20%	3.21	12.85	173.54
68	173.54	10%	17.35	20%	3.47	13.88	187.42
69	187.42	10%	18.74	20%	3.75	14.99	202.41
70	202.41	10%	20.24	20%	4.05	16.19	218.61
71	218.61	10%	21.86	20%	4.37	17.49	236.09
72	236.09	10%	23.61	20%	4.72	18.89	254.98
73	254.98	10%	25.50	20%	5.10	20.40	275.38
74	275.38	10%	27.54	20%	5.51	22.03	297.41
75	297.41	10%	29.74	20%	5.95	23.79	321.20
76	321.20	10%	32.12	20%	6.42	25.70	346.90
77	346.90	10%	34.69	20%	6.94	27.75	374.65
78	374.65	10%	37.47	20%	7.49	29.97	404.63
79	404.63	10%	40.46	20%	8.09	32.37	437.00
80	437.00	10%	43.70	20%	8.74	34.96	471.95
81	471.95	10%	47.20	20%	9.44	37.76	509.71
82	509.71	10%	50.97	20%	10.19	40.78	550.49
83	550.49	10%	55.05	20%	11.01	44.04	594.53
84	594.53	10%	59.45	20%	11.89	47.56	642.09
85	642.09	10%	64.21	20%	12.84	51.37	693.46
86	693.46	10%	69.35	20%	13.87	55.48	748.93
87	748.93	10%	74.89	20%	14.98	59.91	808.85
88	808.85	10%	80.88	20%	16.18	64.71	873.56
89	873.56	10%	87.36	20%	17.47	69.88	943.44
90	943.44	10%	94.34	20%	18.87	75.48	1,018.92
91	1,018.92	10%	101.89	20%	20.38	81.51	1,100.43
92	1,100.43	10%	110.04	20%	22.01	88.03	1,188.46
93	1,188.46	10%	118.85	20%	23.77	95.08	1,283.54
94	1,283.54	10%	128.35	20%	25.67	102.68	1,386.22
95	1,386.22	10%	138.62	20%	27.72	110.90	1,497.12
96	1,497.12	10%	149.71	20%	29.94	119.77	1,616.89
97	1,616.89	10%	161.69	20%	32.34	129.35	1,746.24
98	1,746.24	10%	174.62	20%	34.92	139.70	1,885.94
99	1,885.94	10%	188.59	20%	37.72	150.88	2,036.82
100	2,036.82	10%	203.68	20%	40.74	162.95	2,199.76
101	2,199.76	10%	219.98	20%	44.00	175.98	2,375.74
102	2,375.74	10%	237.57	20%	47.51	190.06	2,565.80
103	2,565.80	10%	256.58	20%	51.32	205.26	2,771.07
104	2,771.07	10%	277.11	20%	55.42	221.69	2,992.75
105	2,992.75	10%	299.28	20%	59.86	239.42	3,232.17
106	3,232.17	10%	323.22	20%	64.64	258.57	3,490.74
107	3,490.74	10%	349.07	20%	69.81	279.26	3,770.00
108	3,770.00	10%	377.00	20%	75.40	301.60	4,071.60
109	4,071.60	10%	407.16	20%	81.43	325.73	4,397.33
110	4,397.33	10%	439.73	20%	87.95	351.79	4,749.12
111	4,749.12	10%	474.91	20%	94.98	379.93	5,129.05
112	5,129.05	10%	512.90	20%	102.58	410.32	5,539.37
113	5,539.37	10%	553.94	20%	110.79	443.15	5,982.52
114	5,982.52	10%	598.25	20%	119.65	478.60	6,461.12
115	6,461.12	10%	646.11	20%	129.22	516.89	6,978.01
116	6,978.01	10%	697.80	20%	139.56	558.24	7,536.26
117	7,536.26	10%	753.63	20%	150.73	602.90	8,139.16
118	8,139.16	10%	813.92	20%	162.78	651.13	8,790.29
119	8,790.29	10%	879.03	20%	175.81	703.22	9,493.51
120	9,493.51	10%	949.35	20%	189.87	759.48	10,252.99
121	10,252.99	10%	1,025.30	20%	205.06	820.24	11,073.23
122	11,073.23	10%	1,107.32	20%	221.46	885.86	11,959.09
123	11,959.09	10%	1,195.91	20%	239.18	956.73	12,915.82
124	12,915.82	10%	1,291.58	20%	258.32	1,033.27	13,949.08
125	13,949.08	10%	1,394.91	20%	278.98	1,115.93	15,065.01
126	15,065.01	10%	1,506.50	20%	301.30	1,205.20	16,270.21
127	16,270.21	10%	1,627.02	20%	325.40	1,301.62	17,571.83
128	17,571.83	10%	1,757.18	20%	351.44	1,405.75	18,977.57
129	18,977.57	10%	1,897.76	20%	379.55	1,518.21	20,495.78
130	20,495.78	10%	2,049.58	20%	409.92	1,639.66	22,135.44
131	22,135.44	10%	2,213.54	20%	442.71	1,770.84	23,906.28
132	23,906.28	10%	2,390.63	20%	478.13	1,912.50	25,818.78
133	25,818.78	10%	2,581.88	20%	516.38	2,065.50	27,884.28
134	27,884.28	10%	2,788.43	20%	557.69	2,230.74	30,115.03
135	30,115.03	10%	3,011.50	20%	602.30	2,409.20	32,524.23
136	32,524.23	10%	3,252.42	20%	650.48	2,601.94	35,126.17
137	35,126.17	10%	3,512.62	20%	702.52	2,810.09	37,936.26
138	37,936.26	10%	3,793.63	20%	758.73	3,034.90	40,971.16
139	40,971.16	10%	4,097.12	20%	819.42	3,277.69	44,248.85
140	44,248.85	10%	4,424.89	20%	884.98	3,539.91	47,788.76
141	47,788.76	10%	4,778.88	20%	955.78	3,823.10	51,611.86
142	51,611.86	10%	5,161.19	20%	1,032.24	4,128.95	55,740.81
143	55,740.81	10%	5,574.08	20%	1,114.82	4,459.26	60,200.08
144	60,200.08	10%	6,020.01	20%	1,204.00	4,816.01	65,016.08
145	65,016.08	10%	6,501.61	20%	1,300.32	5,201.29	70,217.37
146	70,217.37	10%	7,021.74	20%	1,404.35	5,617.39	75,834.76
147	75,834.76	10%	7,583.48	20%	1,516.70	6,066.78	81,901.54
148	81,901.54	10%	8,190.15	20%	1,638.03	6,552.12	88,453.66
149	88,453.66	10%	8,845.37	20%	1,769.07	7,076.29	95,529.95
150	95,529.95	10%	9,553.00	20%	1,910.60	7,642.40	103,172.35
151	103,172.35	10%	10,317.24	20%	2,063.45	8,253.79	111,426.14
152	111,426.14	10%	11,142.61	20%	2,228.52	8,914.09	120,340.23
153	120,340.23	10%	12,034.02	20%	2,406.80	9,627.22	129,967.45
154	129,967.45	10%	12,996.74	20%	2,599.35	10,397.40	140,364.84
155	140,364.84	10%	14,036.48	20%	2,807.30	11,229.19	151,594.03
156	151,594.03	10%	15,159.40	20%	3,031.88	12,127.52	163,721.55
157	163,721.55	10%	16,372.16	20%	3,274.43	13,097.72	176,819.28
158	176,819.28	10%	17,681.93	20%	3,536.39	14,145.54	190,964.82
159	190,964.82	10%	19,096.48	20%	3,819.30	15,277.19	206,242.01
160	206,242.01	10%	20,624.20	20%	4,124.84	16,499.36	222,741.37
161	222,741.37	10%	22,274.14	20%	4,454.83	17,819.31	240,560.67
162	240,560.67	10%	24,056.07	20%	4,811.21	19,244.85	259,805.53
163	259,805.53	10%	25,980.55	20%	5,196.11	20,784.44	280,589.97
164	280,589.97	10%	28,059.00	20%	5,611.80	22,447.20	303,037.17
165	303,037.17	10%	30,303.72	20%	6,060.74	24,242.97	327,280.14
166	327,280.14	10%	32,728.01	20%	6,545.60	26,182.41	353,462.55
167	353,462.55	10%	35,346.26	20%	7,069.25	28,277.00	381,739.56
168	381,739.56	10%	38,173.96	20%	7,634.79	30,539.16	412,278.72
169	412,278.72	10%	41,227.87	20%	8,245.57	32,982.30	445,261.02
170	445,261.02	10%	44,526.10	20%	8,905.22	35,620.88	480,881.90
171	480,881.90	10%	48,088.19	20%	9,617.64	38,470.55	519,352.45
172	519,352.45	10%	51,935.25	20%	10,387.05	41,548.20	560,900.65
173	560,900.65	10%	56,090.07	20%	11,218.01	44,872.05	605,772.70
174	605,772.70	10%	60,577.27	20%	12,115.45	48,461.82	654,234.52
175	654,234.52	10%	65,423.45	20%	13,084.69	52,338.76	706,573.28
176	706,573.28	10%	70,657.33	20%	14,131.47	56,525.86	763,099.14
177	763,099.14	10%	76,309.91	20%	15,261.98	61,047.93	824,147.07
178	824,147.07	10%	82,414.71	20%	16,482.94	65,931.77	890,078.84
179	890,078.84	10%	89,007.88	20%	17,801.58	71,206.31	961,285.15
180	961,285.15	10%	96,128.51	20%	19,225.70	76,902.81	1,038,187.96
181	1,038,187.96	10%	103,818.80	20%	20,763.76	83,055.04	1,121,243.00
182	1,121,243.00	10%	112,124.30	20%	22,424.86	89,699.44	1,210,942.44
183	1,210,942.44	10%	121,094.24	20%	24,218.85	96,875.39	1,307,817.83
184	1,307,817.83	10%	130,781.78	20%	26,156.36	104,625.43	1,412,443.26
185	1,412,443.26	10%	141,244.33	20%	28,248.87	112,995.46	1,525,438.72
186	1,525,438.72	10%	152,543.87	20%	30,508.77	122,035.10	1,647,473.81
187	1,647,473.81	10%	164,747.38	20%	32,949.48	131,797.91	1,779,271.72
188	1,779,271.72	10%	177,927.17	20%	35,585.43	142,341.74	1,921,613.46
189	1,921,613.46	10%	192,161.35	20%	38,432.27	153,729.08	2,075,342.53
190	2,075,342.53	10%	207,534.25	20%	41,506.85	166,027.40	2,241,369.94
191	2,241,369.94	10%	224,136.99	20%	44,827.40	179,309.59	2,420,679.53
192	2,420,679.53	10%	242,067.95	20%	48,413.59	193,654.36	2,614,333.89
193	2,614,333.89	10%	261,433.39	20%	52,286.68	209,146.71	2,823,480.61
194	2,823,480.61	10%	282,348.06	20%	56,469.61	225,878.45	3,049,359.05
195	3,049,359.05	10%	304,935.91	20%	60,987.18	243,948.72	3,293,307.78
196	3,293,307.78	10%	329,330.78	20%	65,866.16	263,464.62	3,556,772.40
197	3,556,772.40	10%	355,677.24	20%	71,135.45	284,541.79	3,841,314.19
198	3,841,314.19	10%	384,131.42	20%	76,826.28	307,305.14	4,148,619.33
199	4,148,619.33	10%	414,861.93	20%	82,972.39	331,889.55	4,480,508.87

找到多久可以讓你的１塊錢變成１００萬了嗎？

在投報率１０％狀況下，利潤依規定繳稅２０％，這樣反覆操作投資，

只要１８０次，你的１塊錢就能變成１００萬了。

還記得在＂沒有稅＂的情況下，多久就能變成１００萬？

答案是：１４５次。

操作１４５次與操作１８０次，都能達到由１塊錢變成１００萬。

現在你覺得＂稅＂與你的投資重不重要？