当将输出与excel函数的输出进行比较时，FV PHP函数会为某些测试返回错误的输出

我使用以下函数在Excel中查找未来值（FV）作为FV函数。但是，在输出中有一些异常错误。如果我给函数输入-FV（0.00375384,0107450,0）与Excel函数相比，它给出了正确的答案。但是，如果我把-FV（0.00375,60,0526.51444361646,0）那么输出值是错误的。Excel函数给出134505.46，而php函数给出659.088

我不知道为什么相同的函数在第一次测试中返回错误的值，在第二次测试中返回正确的值。请在这个问题上帮助我。谢谢

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这是对MathPHP库稍加修改的函数

<?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;
}