Simulador - Valor Dinero en El Tiempo Ver2.5

Elaborado por: Prof Percy Soria A.
UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
VALOR DEL DINERO EN EL TIEMPO

1) VALOR FUTURO DE UNA CANTIDAD UNICA:
DATOS
VF
VP
N
i
FORMULA
?
800.00
5
6%
FUNCIONES DE EXCEL
VF=
VP*(1+i)^n
VF=
1,070.58
VF=
1,070.58
VF=
=$E$11*(1+$E$13)^$E$12
VF=
=VF($E$13,$E$12,0,-$E$11,0)
TABLAS
TABLA
FIVF
VF=
VF=
A-1
1.3382
1,070.56
=+$E$11*$N$11
2) VALOR PRESENTE DE UNA CANTIDAD UNICA:

DATOS
VF
VP
N
i
FORMULA
1,700.00
?
8.00
8%
FUNCIONES DE EXCEL
VP=
VF/(1+i)^n
VP=
918.46
VP=
918.46
VP=
=$E$23/(1+$E$26)^$E$25
VP=
=VA($E$26,$E$25,0,-$E$23,0)
TABLAS
TABLA
FIVP
VP=
VP=
A-2
0.54027
918.46
=+$E$23*$N$24
3) VALOR FUTURO DE UNA ANUALIDAD ORDINARIA:

DATOS
VFA
VP
PMT
N
i
FORMULA
?
1,000.00
5.00
7%
FUNCIONES DE EXCEL
FVIFA=
VFA=
(1/i)*(((1+i)^n)-1)
PMT*FVIFA
FVIFA=
VFA=
5.75
5,750.74
VFA=
FVIFA=
VFA=
=(1/$E$40)*(((1+$E$40)^$E$39)-1)
VFA=
TABLAS
TABLA
FVIFA
A-3
5.7507
5,750.74
VFA=
5,750.70
=VF($E$40,$E$39,-$E$38,0,0)
VFA=
=+$E$38*$N$37
=+$E$38*$H$39
4) VALOR PRESENTE DE UNA ANUALIDAD ORDINARIA:

DATOS
VF
VPA
PMT
N
i
FORMULA
?
700.00
5.00
8%
FUNCIONES DE EXCEL
PVIFA=
VPA=
(1/i)*(1-(1/(1+i)^n))
PMT*PVIFA
PVIFA=
VPA=
3.99
2,794.90
VPA=
FVIFA=
VPA=
=(1/$E$56)*(1-(1/(1+$E$56)^$E$55))
VPA=
=+$E$54*$H$55
TABLAS
TABLA
PVIFA
A-4
3.9927
2,794.90
VPA=
2,794.89
=VA($E$56,$E$55,-$E$54,0,0)
VPA=
=+$E$54*$N$53
TABLA A-1 FACTORES DE INTERES DEL VALOR FUTURO:

PERIODO
1%
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
2%
3%
4%
5%
6%
7%
8%
FIVF=
redondeo =
9%
4
10%
11%
12%
(1+i)^n
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
1.0100
1.0200
1.0300
1.0400
1.0500
1.0600
1.0700
1.0800
1.0900
1.1000
1.1100
1.1200
1.1300
1.1400
1.1500
1.1600
1.1700
1.1800
1.1900
1.2000
1.2100
1.2200
1.2300
1.2400
1.0201
1.0404
1.0609
1.0816
1.1025
1.1236
1.1449
1.1664
1.1881
1.2100
1.2321
1.2544
1.2769
1.2996
1.3225
1.3456
1.3689
1.3924
1.4161
1.4400
1.4641
1.4884
1.5129
1.5376
1.0303
1.0612
1.0927
1.1249
1.1576
1.1910
1.2250
1.2597
1.2950
1.3310
1.3676
1.4049
1.4429
1.4815
1.5209
1.5609
1.6016
1.6430
1.6852
1.7280
1.7716
1.8158
1.8609
1.9066
1.0406
1.0824
1.1255
1.1699
1.2155
1.2625
1.3108
1.3605
1.4116
1.4641
1.5181
1.5735
1.6305
1.6890
1.7490
1.8106
1.8739
1.9388
2.0053
2.0736
2.1436
2.2153
2.2889
2.3642
1.0510
1.1041
1.1593
1.2167
1.2763
1.3382
1.4026
1.4693
1.5386
1.6105
1.6851
1.7623
1.8424
1.9254
2.0114
2.1003
2.1924
2.2878
2.3864
2.4883
2.5937
2.7027
2.8153
2.9316
1.0615
1.1262
1.1941
1.2653
1.3401
1.4185
1.5007
1.5869
1.6771
1.7716
1.8704
1.9738
2.0820
2.1950
2.3131
2.4364
2.5652
2.6996
2.8398
2.9860
3.1384
3.2973
3.4628
3.6352
1.0721
1.1487
1.2299
1.3159
1.4071
1.5036
1.6058
1.7138
1.8280
1.9487
2.0762
2.2107
2.3526
2.5023
2.6600
2.8262
3.0012
3.1855
3.3793
3.5832
3.7975
4.0227
4.2593
4.5077
1.0829
1.1717
1.2668
1.3686
1.4775
1.5938
1.7182
1.8509
1.9926
2.1436
2.3045
2.4760
2.6584
2.8526
3.0590
3.2784
3.5115
3.7589
4.0214
4.2998
4.5950
4.9077
5.2389
5.5895
1.0937
1.1951
1.3048
1.4233
1.5513
1.6895
1.8385
1.9990
2.1719
2.3579
2.5580
2.7731
3.0040
3.2519
3.5179
3.8030
4.1084
4.4355
4.7854
5.1598
5.5599
5.9874
6.4439
6.9310
1.1046
1.2190
1.3439
1.4802
1.6289
1.7908
1.9672
2.1589
2.3674
2.5937
2.8394
3.1058
3.3946
3.7072
4.0456
4.4114
4.8068
5.2338
5.6947
6.1917
6.7275
7.3046
7.9259
8.5944
1.1157
1.2434
1.3842
1.5395
1.7103
1.8983
2.1049
2.3316
2.5804
2.8531
3.1518
3.4785
3.8359
4.2262
4.6524
5.1173
5.6240
6.1759
6.7767
7.4301
8.1403
8.9117
9.7489
10.6571
1.1268
1.2682
1.4258
1.6010
1.7959
2.0122
2.2522
2.5182
2.8127
3.1384
3.4985
3.8960
4.3345
4.8179
5.3503
5.9360
6.5801
7.2876
8.0642
8.9161
9.8497
10.8722
11.9912
13.2148
1.1381
1.2936
1.4685
1.6651
1.8856
2.1329
2.4098
2.7196
3.0658
3.4523
3.8833
4.3635
4.8980
5.4924
6.1528
6.8858
7.6987
8.5994
9.5964
10.6993
11.9182
13.2641
14.7491
16.3863
1.1495
1.3195
1.5126
1.7317
1.9799
2.2609
2.5785
2.9372
3.3417
3.7975
4.3104
4.8871
5.5348
6.2613
7.0757
7.9875
9.0075
10.1472
11.4198
12.8392
14.4210
16.1822
18.1414
20.3191
1.1610
1.3459
1.5580
1.8009
2.0789
2.3966
2.7590
3.1722
3.6425
4.1772
4.7846
5.4736
6.2543
7.1379
8.1371
9.2655
10.5387
11.9737
13.5895
15.4070
17.4494
19.7423
22.3140
25.1956
1.1726
1.3728
1.6047
1.8730
2.1829
2.5404
2.9522
3.4259
3.9703
4.5950
5.3109
6.1304
7.0673
8.1372
9.3576
10.7480
12.3303
14.1290
16.1715
18.4884
21.1138
24.0856
27.4462
31.2426
1.1843
1.4002
1.6528
1.9479
2.2920
2.6928
3.1588
3.7000
4.3276
5.0545
5.8951
6.8660
7.9861
9.2765
10.7613
12.4677
14.4265
16.6722
19.2441
22.1861
25.5477
29.3844
33.7588
38.7408
1.1961
1.4282
1.7024
2.0258
2.4066
2.8543
3.3799
3.9960
4.7171
5.5599
6.5436
7.6900
9.0243
10.5752
12.3755
14.4625
16.8790
19.6733
22.9005
26.6233
30.9127
35.8490
41.5233
48.0386
1.2081
1.4568
1.7535
2.1068
2.5270
3.0256
3.6165
4.3157
5.1417
6.1159
7.2633
8.6128
10.1974
12.0557
14.2318
16.7765
19.7484
23.2144
27.2516
31.9480
37.4043
43.7358
51.0737
59.5679
1.2202
1.4859
1.8061
2.1911
2.6533
3.2071
3.8697
4.6610
5.6044
6.7275
8.0623
9.6463
11.5231
13.7435
16.3665
19.4608
23.1056
27.3930
32.4294
38.3376
45.2593
53.3576
62.8206
73.8641
1.2324
1.5157
1.8603
2.2788
2.7860
3.3996
4.1406
5.0338
6.1088
7.4002
8.9492
10.8038
13.0211
15.6676
18.8215
22.5745
27.0336
32.3238
38.5910
46.0051
54.7637
65.0963
77.2694
91.5915
1.2447
1.5460
1.9161
2.3699
2.9253
3.6035
4.4304
5.4365
6.6586
8.1403
9.9336
12.1003
14.7138
17.8610
21.6447
26.1864
31.6293
38.1421
45.9233
55.2061
66.2641
79.4175
95.0413
113.5735
1.2572
1.5769
1.9736
2.4647
3.0715
3.8197
4.7405
5.8715
7.2579
8.9543
11.0263
13.5523
16.6266
20.3616
24.8915
30.3762
37.0062
45.0076
54.6487
66.2474
80.1795
96.8894
116.9008
140.8312
1.2697
1.6084
2.0328
2.5633
3.2251
4.0489
5.0724
6.3412
7.9111
9.8497
12.2392
15.1786
18.7881
23.2122
28.6252
35.2364
43.2973
53.1090
65.0320
79.4968
97.0172
118.2050
143.7880
174.6306
1.2824
1.6406
2.0938
2.6658
3.3864
4.2919
5.4274
6.8485
8.6231
10.8347
13.5855
17.0001
21.2305
26.4619
32.9190
40.8742
50.6578
62.6686
77.3881
95.3962
117.3909
144.2101
176.8593
216.5420
1.2953
1.6734
2.1566
2.7725
3.5557
4.5494
5.8074
7.3964
9.3992
11.9182
15.0799
19.0401
23.9905
30.1666
37.8568
47.4141
59.2697
73.9490
92.0918
114.4755
142.0429
175.9364
217.5369
268.5121
1.3082
1.7069
2.2213
2.8834
3.7335
4.8223
6.2139
7.9881
10.2451
13.1100
16.7386
21.3249
27.1093
34.3899
43.5353
55.0004
69.3455
87.2598
109.5893
137.3706
171.8719
214.6424
267.5704
332.9550
1.3213
1.7410
2.2879
2.9987
3.9201
5.1117
6.6488
8.6271
11.1671
14.4210
18.5799
23.8839
30.6335
39.2045
50.0656
63.8004
81.1342
102.9666
130.4112
164.8447
207.9651
261.8637
329.1115
412.8642
1.3345
1.7758
2.3566
3.1187
4.1161
5.4184
7.1143
9.3173
12.1722
15.8631
20.6237
26.7499
34.6158
44.6931
57.5755
74.0085
94.9271
121.5005
155.1893
197.8136
251.6377
319.4737
404.8072
511.9516
1.3478
1.8114
2.4273
3.2434
4.3219
5.7435
7.6123
10.0627
13.2677
17.4494
22.8923
29.9599
39.1159
50.9502
66.2118
85.8499
111.0647
143.3706
184.6753
237.3763
304.4816
389.7579
497.9129
634.8199
1.3613
1.8476
2.5001
3.3731
4.5380
6.0881
8.1451
10.8677
14.4618
19.1943
25.4104
33.5551
44.2010
58.0832
76.1435
99.5859
129.9456
169.1774
219.7636
284.8516
368.4228
475.5046
612.4328
787.1767
1.3749
1.8845
2.5751
3.5081
4.7649
6.4534
8.7153
11.7371
15.7633
21.1138
28.2056
37.5817
49.9471
66.2148
87.5651
115.5196
152.0364
199.6293
261.5187
341.8219
445.7916
580.1156
753.2924
976.0991
1.3887
1.9222
2.6523
3.6484
5.0032
6.8406
9.3253
12.6760
17.1820
23.2252
31.3082
42.0915
56.4402
75.4849
100.6998
134.0027
177.8826
235.5625
311.2073
410.1863
539.4078
707.7411
926.5496
1210.3629
1.4026
1.9607
2.7319
3.7943
5.2533
7.2510
9.9781
13.6901
18.7284
25.5477
34.7521
47.1425
63.7774
86.0528
115.8048
155.4432
208.1226
277.9638
370.3366
492.2235
652.6834
863.4441
1139.6560
1500.8500
1.4166
1.9999
2.8139
3.9461
5.5160
7.6861
10.6766
14.7853
20.4140
28.1024
38.5749
52.7996
72.0685
98.1002
133.1755
180.3141
243.5035
327.9973
440.7006
590.6682
789.7470
1053.4018
1401.7769
1861.0540
1.4308
2.0399
2.8983
4.1039
5.7918
8.1473
11.4239
15.9682
22.2512
30.9127
42.8181
59.1356
81.4374
111.8342
153.1519
209.1643
284.8991
387.0368
524.4337
708.8019
955.5938
1285.1502
1724.1856
2307.7070
1.4451
2.0807
2.9852
4.2681
6.0814
8.6361
12.2236
17.2456
24.2538
34.0039
47.5281
66.2318
92.0243
127.4910
176.1246
242.6306
333.3319
456.7034
624.0761
850.5622
1156.2685
1567.8833
2120.7483
2861.5567
1.4595
2.1223
3.0748
4.4388
6.3855
9.1543
13.0793
18.6253
26.4367
37.4043
52.7562
74.1797
103.9874
145.3397
202.5433
281.4515
389.9983
538.9100
742.6506
1020.6747
1399.0849
1912.8176
2608.5204
3548.3303
1.4741
2.1647
3.1670
4.6164
6.7048
9.7035
13.9948
20.1153
28.8160
41.1448
58.5593
83.0812
117.5058
165.6873
232.9248
326.4838
456.2980
635.9139
883.7542
1224.8096
1692.8927
2333.6375
3208.4801
4399.9295
1.4889
2.2080
3.2620
4.8010
7.0400
10.2857
14.9745
21.7245
31.4094
45.2593
65.0009
93.0510
132.7816
188.8835
267.8635
378.7212
533.8687
750.3783
1051.6675
1469.7716
2048.4002
2847.0378
3946.4305
5455.9126
1.5038
2.2522
3.3599
4.9931
7.3920
10.9029
16.0227
23.4625
34.2363
49.7852
72.1510
104.2171
150.0432
215.3272
308.0431
439.3165
624.6264
885.4464
1251.4843
1763.7259
2478.5643
3473.3861
4854.1095
6765.3317
1.5188
2.2972
3.4607
5.1928
7.7616
11.5570
17.1443
25.3395
37.3175
54.7637
80.0876
116.7231
169.5488
245.4730
354.2495
509.6072
730.8129
1044.8268
1489.2664
2116.4711
2999.0628
4237.5310
5970.5547
8389.0113
1.5340
2.3432
3.5645
5.4005
8.1497
12.2505
18.3444
27.3666
40.6761
60.2401
88.8972
130.7299
191.5901
279.8392
407.3870
591.1443
855.0511
1232.8956
1772.2270
2539.7653
3628.8659
5169.7878
7343.7823
10402.3740
1.5493
2.3901
3.6715
5.6165
8.5572
12.9855
19.6285
29.5560
44.3370
66.2641
98.6759
146.4175
216.4968
319.0167
468.4950
685.7274
1000.4098
1454.8168
2108.9501
3047.7183
4390.9278
6307.1411
9032.8522
12898.9437
1.5648
2.4379
3.7816
5.8412
8.9850
13.7646
21.0025
31.9204
48.3273
72.8905
109.5302
163.9876
244.6414
363.6791
538.7693
795.4438
1170.4794
1716.6839
2509.6506
3657.2620
5313.0226
7694.7122
11110.4082
15994.6902
1.5805
2.4866
3.8950
6.0748
9.4343
14.5905
22.4726
34.4741
52.6767
80.1795
121.5786
183.6661
276.4448
414.5941
619.5847
922.7148
1369.4609
2025.6870
2986.4842
4388.7144
6428.7574
9387.5489
13665.8021
19833.4158
1.5963
2.5363
4.0119
6.3178
9.9060
15.4659
24.0457
37.2320
57.4176
88.1975
134.9522
205.7061
312.3826
472.6373
712.5224
1070.3492
1602.2693
2390.3106
3553.9162
5266.4573
7778.7964
11452.8096
16808.9365
24593.4356
1.6122
2.5871
4.1323
6.5705
10.4013
16.3939
25.7289
40.2106
62.5852
97.0172
149.7970
230.3908
352.9923
538.8065
819.4007
1241.6051
1874.6550
2820.5665
4229.1603
6319.7487
9412.3437
13972.4277
20674.9919
30495.8602
1.6283
2.6388
4.2562
6.8333
10.9213
17.3775
27.5299
43.4274
68.2179
106.7190
166.2746
258.0377
398.8813
614.2395
942.3108
1440.2619
2193.3464
3328.2685
5032.7008
7583.6985
11388.9358
17046.3618
25430.2401
37814.8666
1.6446
2.6916
4.3839
7.1067
11.4674
18.4202
29.4570
46.9016
74.3575
117.3909
184.5648
289.0022
450.7359
700.2330
1083.6574
1670.7038
2566.2153
3927.3569
5988.9139
9100.4382
13780.6123
20796.5615
31279.1953
46890.4346
Preparado por Prof Percy Soria A - USMP 11/17/2012
Pgina 2
TABLA A-1
PERIODO
25%
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
1.2500
1.5625
1.9531
2.4414
3.0518
3.8147
4.7684
5.9605
7.4506
9.3132
11.6415
14.5519
18.1899
22.7374
28.4217
35.5271
44.4089
55.5112
69.3889
86.7362
108.4202
135.5253
169.4066
211.7582
264.6978
330.8722
413.5903
516.9879
646.2349
807.7936
1009.7420
1262.1774
1577.7218
1972.1523
2465.1903
3081.4879
3851.8599
4814.8249
6018.5311
7523.1638
9403.9548
11754.9435
14693.6794
18367.0992
22958.8740
28698.5925
35873.2407
44841.5509
56051.9386
70064.9232
Preparado por Prof Percy Soria A - USMP 11/17/2012
Pgina 3
TABLA A-2 FACTORES DE INTERES DEL VALOR PRESENTE:

PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
redondeo =
9%
1%
2%
3%
4%
5%
6%
7%
8%
0.99010
0.98039
0.97087
0.96154
0.95238
0.94340
0.93458
0.92593
0.91743
0.98030
0.96117
0.94260
0.92456
0.90703
0.89000
0.87344
0.85734
0.84168
0.97059
0.94232
0.91514
0.88900
0.86384
0.83962
0.81630
0.79383
0.77218
0.96098
0.92385
0.88849
0.85480
0.82270
0.79209
0.76290
0.73503
0.70843
0.95147
0.90573
0.86261
0.82193
0.78353
0.74726
0.71299
0.68058
0.64993
0.94205
0.88797
0.83748
0.79031
0.74622
0.70496
0.66634
0.63017
0.59627
0.93272
0.87056
0.81309
0.75992
0.71068
0.66506
0.62275
0.58349
0.54703
0.92348
0.85349
0.78941
0.73069
0.67684
0.62741
0.58201
0.54027
0.50187
0.91434
0.83676
0.76642
0.70259
0.64461
0.59190
0.54393
0.50025
0.46043
0.90529
0.82035
0.74409
0.67556
0.61391
0.55839
0.50835
0.46319
0.42241
0.89632
0.80426
0.72242
0.64958
0.58468
0.52679
0.47509
0.42888
0.38753
0.88745
0.78849
0.70138
0.62460
0.55684
0.49697
0.44401
0.39711
0.35553
0.87866
0.77303
0.68095
0.60057
0.53032
0.46884
0.41496
0.36770
0.32618
0.86996
0.75788
0.66112
0.57748
0.50507
0.44230
0.38782
0.34046
0.29925
0.86135
0.74301
0.64186
0.55526
0.48102
0.41727
0.36245
0.31524
0.27454
0.85282
0.72845
0.62317
0.53391
0.45811
0.39365
0.33873
0.29189
0.25187
0.84438
0.71416
0.60502
0.51337
0.43630
0.37136
0.31657
0.27027
0.23107
0.83602
0.70016
0.58739
0.49363
0.41552
0.35034
0.29586
0.25025
0.21199
0.82774
0.68643
0.57029
0.47464
0.39573
0.33051
0.27651
0.23171
0.19449
0.81954
0.67297
0.55368
0.45639
0.37689
0.31180
0.25842
0.21455
0.17843
0.81143
0.65978
0.53755
0.43883
0.35894
0.29416
0.24151
0.19866
0.16370
0.80340
0.64684
0.52189
0.42196
0.34185
0.27751
0.22571
0.18394
0.15018
0.79544
0.63416
0.50669
0.40573
0.32557
0.26180
0.21095
0.17032
0.13778
0.78757
0.62172
0.49193
0.39012
0.31007
0.24698
0.19715
0.15770
0.12640
0.77977
0.60953
0.47761
0.37512
0.29530
0.23300
0.18425
0.14602
0.11597
0.77205
0.59758
0.46369
0.36069
0.28124
0.21981
0.17220
0.13520
0.10639
0.76440
0.58586
0.45019
0.34682
0.26785
0.20737
0.16093
0.12519
0.09761
0.75684
0.57437
0.43708
0.33348
0.25509
0.19563
0.15040
0.11591
0.08955
0.74934
0.56311
0.42435
0.32065
0.24295
0.18456
0.14056
0.10733
0.08215
0.74192
0.55207
0.41199
0.30832
0.23138
0.17411
0.13137
0.09938
0.07537
0.73458
0.54125
0.39999
0.29646
0.22036
0.16425
0.12277
0.09202
0.06915
0.72730
0.53063
0.38834
0.28506
0.20987
0.15496
0.11474
0.08520
0.06344
0.72010
0.52023
0.37703
0.27409
0.19987
0.14619
0.10723
0.07889
0.05820
0.71297
0.51003
0.36604
0.26355
0.19035
0.13791
0.10022
0.07305
0.05339
0.70591
0.50003
0.35538
0.25342
0.18129
0.13011
0.09366
0.06763
0.04899
0.69892
0.49022
0.34503
0.24367
0.17266
0.12274
0.08754
0.06262
0.04494
0.69200
0.48061
0.33498
0.23430
0.16444
0.11579
0.08181
0.05799
0.04123
0.68515
0.47119
0.32523
0.22529
0.15661
0.10924
0.07646
0.05369
0.03783
0.67837
0.46195
0.31575
0.21662
0.14915
0.10306
0.07146
0.04971
0.03470
0.67165
0.45289
0.30656
0.20829
0.14205
0.09722
0.06678
0.04603
0.03184
0.66500
0.44401
0.29763
0.20028
0.13528
0.09172
0.06241
0.04262
0.02921
0.65842
0.43530
0.28896
0.19257
0.12884
0.08653
0.05833
0.03946
0.02680
0.65190
0.42677
0.28054
0.18517
0.12270
0.08163
0.05451
0.03654
0.02458
0.64545
0.41840
0.27237
0.17805
0.11686
0.07701
0.05095
0.03383
0.02255
0.63905
0.41020
0.26444
0.17120
0.11130
0.07265
0.04761
0.03133
0.02069
46
47
48
49
50
0.63273
0.40215
0.25674
0.16461
0.10600
0.06854
0.04450
0.02901
0.01898
0.62646
0.39427
0.24926
0.15828
0.10095
0.06466
0.04159
0.02686
0.01742
0.62026
0.38654
0.24200
0.15219
0.09614
0.06100
0.03887
0.02487
0.01598
0.61412
0.37896
0.23495
0.14634
0.09156
0.05755
0.03632
0.02303
0.01466
0.60804
0.37153
0.22811
0.14071
0.08720
0.05429
0.03395
0.02132
0.01345
PRESENTE:
FIVP=
1/(1+i)^n
5
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
0.90909
0.90090
0.89286
0.88496
0.87719
0.86957
0.86207
0.85470
0.84746
0.84034
0.83333
0.82645
0.81162
0.79719
0.78315
0.76947
0.75614
0.74316
0.73051
0.71818
0.70616
0.69444
0.75131
0.73119
0.71178
0.69305
0.67497
0.65752
0.64066
0.62437
0.60863
0.59342
0.57870
0.68301
0.65873
0.63552
0.61332
0.59208
0.57175
0.55229
0.53365
0.51579
0.49867
0.48225
0.62092
0.59345
0.56743
0.54276
0.51937
0.49718
0.47611
0.45611
0.43711
0.41905
0.40188
0.56447
0.53464
0.50663
0.48032
0.45559
0.43233
0.41044
0.38984
0.37043
0.35214
0.33490
0.51316
0.48166
0.45235
0.42506
0.39964
0.37594
0.35383
0.33320
0.31393
0.29592
0.27908
0.46651
0.43393
0.40388
0.37616
0.35056
0.32690
0.30503
0.28478
0.26604
0.24867
0.23257
0.42410
0.39092
0.36061
0.33288
0.30751
0.28426
0.26295
0.24340
0.22546
0.20897
0.19381
0.38554
0.35218
0.32197
0.29459
0.26974
0.24718
0.22668
0.20804
0.19106
0.17560
0.16151
0.35049
0.31728
0.28748
0.26070
0.23662
0.21494
0.19542
0.17781
0.16192
0.14757
0.13459
0.31863
0.28584
0.25668
0.23071
0.20756
0.18691
0.16846
0.15197
0.13722
0.12400
0.11216
0.28966
0.25751
0.22917
0.20416
0.18207
0.16253
0.14523
0.12989
0.11629
0.10421
0.09346
0.26333
0.23199
0.20462
0.18068
0.15971
0.14133
0.12520
0.11102
0.09855
0.08757
0.07789
0.23939
0.20900
0.18270
0.15989
0.14010
0.12289
0.10793
0.09489
0.08352
0.07359
0.06491
0.21763
0.18829
0.16312
0.14150
0.12289
0.10686
0.09304
0.08110
0.07078
0.06184
0.05409
0.19784
0.16963
0.14564
0.12522
0.10780
0.09293
0.08021
0.06932
0.05998
0.05196
0.04507
0.17986
0.15282
0.13004
0.11081
0.09456
0.08081
0.06914
0.05925
0.05083
0.04367
0.03756
0.16351
0.13768
0.11611
0.09806
0.08295
0.07027
0.05961
0.05064
0.04308
0.03670
0.03130
0.14864
0.12403
0.10367
0.08678
0.07276
0.06110
0.05139
0.04328
0.03651
0.03084
0.02608
0.13513
0.11174
0.09256
0.07680
0.06383
0.05313
0.04430
0.03699
0.03094
0.02591
0.02174
0.12285
0.10067
0.08264
0.06796
0.05599
0.04620
0.03819
0.03162
0.02622
0.02178
0.01811
0.11168
0.09069
0.07379
0.06014
0.04911
0.04017
0.03292
0.02702
0.02222
0.01830
0.01509
0.10153
0.08170
0.06588
0.05323
0.04308
0.03493
0.02838
0.02310
0.01883
0.01538
0.01258
0.09230
0.07361
0.05882
0.04710
0.03779
0.03038
0.02447
0.01974
0.01596
0.01292
0.01048
0.08391
0.06631
0.05252
0.04168
0.03315
0.02642
0.02109
0.01687
0.01352
0.01086
0.00874
0.07628
0.05974
0.04689
0.03689
0.02908
0.02297
0.01818
0.01442
0.01146
0.00912
0.00728
0.06934
0.05382
0.04187
0.03264
0.02551
0.01997
0.01567
0.01233
0.00971
0.00767
0.00607
0.06304
0.04849
0.03738
0.02889
0.02237
0.01737
0.01351
0.01053
0.00823
0.00644
0.00506
0.05731
0.04368
0.03338
0.02557
0.01963
0.01510
0.01165
0.00900
0.00697
0.00541
0.00421
0.05210
0.03935
0.02980
0.02262
0.01722
0.01313
0.01004
0.00770
0.00591
0.00455
0.00351
0.04736
0.03545
0.02661
0.02002
0.01510
0.01142
0.00866
0.00658
0.00501
0.00382
0.00293
0.04306
0.03194
0.02376
0.01772
0.01325
0.00993
0.00746
0.00562
0.00425
0.00321
0.00244
0.03914
0.02878
0.02121
0.01568
0.01162
0.00864
0.00643
0.00480
0.00360
0.00270
0.00203
0.03558
0.02592
0.01894
0.01388
0.01019
0.00751
0.00555
0.00411
0.00305
0.00227
0.00169
0.03235
0.02335
0.01691
0.01228
0.00894
0.00653
0.00478
0.00351
0.00258
0.00191
0.00141
0.02941
0.02104
0.01510
0.01087
0.00784
0.00568
0.00412
0.00300
0.00219
0.00160
0.00118
0.02673
0.01896
0.01348
0.00962
0.00688
0.00494
0.00355
0.00256
0.00186
0.00135
0.00098
0.02430
0.01708
0.01204
0.00851
0.00604
0.00429
0.00306
0.00219
0.00157
0.00113
0.00082
0.02209
0.01538
0.01075
0.00753
0.00529
0.00373
0.00264
0.00187
0.00133
0.00095
0.00068
0.02009
0.01386
0.00960
0.00666
0.00464
0.00325
0.00228
0.00160
0.00113
0.00080
0.00057
0.01826
0.01249
0.00857
0.00590
0.00407
0.00282
0.00196
0.00137
0.00096
0.00067
0.00047
0.01660
0.01125
0.00765
0.00522
0.00357
0.00245
0.00169
0.00117
0.00081
0.00056
0.00039
0.01509
0.01013
0.00683
0.00462
0.00313
0.00213
0.00146
0.00100
0.00069
0.00047
0.00033
0.01372
0.00913
0.00610
0.00409
0.00275
0.00186
0.00126
0.00085
0.00058
0.00040
0.00027
0.01247
0.00823
0.00544
0.00362
0.00241
0.00161
0.00108
0.00073
0.00049
0.00033
0.00023
0.01134
0.00741
0.00486
0.00320
0.00212
0.00140
0.00093
0.00062
0.00042
0.00028
0.00019
0.01031
0.00668
0.00434
0.00283
0.00186
0.00122
0.00081
0.00053
0.00035
0.00024
0.00016
0.00937
0.00601
0.00388
0.00251
0.00163
0.00106
0.00069
0.00046
0.00030
0.00020
0.00013
0.00852
0.00542
0.00346
0.00222
0.00143
0.00092
0.00060
0.00039
0.00025
0.00017
0.00011
21%
22%
23%
24%
25%
26%
27%
28%
0.82645
0.81967
0.81301
0.80645
0.80000
0.79365
0.78740
0.78125
0.68301
0.67186
0.66098
0.65036
0.64000
0.62988
0.62000
0.61035
0.56447
0.55071
0.53738
0.52449
0.51200
0.49991
0.48819
0.47684
0.46651
0.45140
0.43690
0.42297
0.40960
0.39675
0.38440
0.37253
0.38554
0.37000
0.35520
0.34111
0.32768
0.31488
0.30268
0.29104
0.31863
0.30328
0.28878
0.27509
0.26214
0.24991
0.23833
0.22737
0.26333
0.24859
0.23478
0.22184
0.20972
0.19834
0.18766
0.17764
0.21763
0.20376
0.19088
0.17891
0.16777
0.15741
0.14776
0.13878
0.17986
0.16702
0.15519
0.14428
0.13422
0.12493
0.11635
0.10842
0.14864
0.13690
0.12617
0.11635
0.10737
0.09915
0.09161
0.08470
0.12285
0.11221
0.10258
0.09383
0.08590
0.07869
0.07214
0.06617
0.10153
0.09198
0.08339
0.07567
0.06872
0.06245
0.05680
0.05170
0.08391
0.07539
0.06780
0.06103
0.05498
0.04957
0.04473
0.04039
0.06934
0.06180
0.05512
0.04921
0.04398
0.03934
0.03522
0.03155
0.05731
0.05065
0.04481
0.03969
0.03518
0.03122
0.02773
0.02465
0.04736
0.04152
0.03643
0.03201
0.02815
0.02478
0.02183
0.01926
0.03914
0.03403
0.02962
0.02581
0.02252
0.01967
0.01719
0.01505
0.03235
0.02789
0.02408
0.02082
0.01801
0.01561
0.01354
0.01175
0.02673
0.02286
0.01958
0.01679
0.01441
0.01239
0.01066
0.00918
0.02209
0.01874
0.01592
0.01354
0.01153
0.00983
0.00839
0.00717
0.01826
0.01536
0.01294
0.01092
0.00922
0.00780
0.00661
0.00561
0.01509
0.01259
0.01052
0.00880
0.00738
0.00619
0.00520
0.00438
0.01247
0.01032
0.00855
0.00710
0.00590
0.00491
0.00410
0.00342
0.01031
0.00846
0.00695
0.00573
0.00472
0.00390
0.00323
0.00267
0.00852
0.00693
0.00565
0.00462
0.00378
0.00310
0.00254
0.00209
0.00704
0.00568
0.00460
0.00372
0.00302
0.00246
0.00200
0.00163
0.00582
0.00466
0.00374
0.00300
0.00242
0.00195
0.00158
0.00127
0.00481
0.00382
0.00304
0.00242
0.00193
0.00155
0.00124
0.00100
0.00397
0.00313
0.00247
0.00195
0.00155
0.00123
0.00098
0.00078
0.00328
0.00257
0.00201
0.00158
0.00124
0.00097
0.00077
0.00061
0.00271
0.00210
0.00163
0.00127
0.00099
0.00077
0.00061
0.00047
0.00224
0.00172
0.00133
0.00102
0.00079
0.00061
0.00048
0.00037
0.00185
0.00141
0.00108
0.00083
0.00063
0.00049
0.00038
0.00029
0.00153
0.00116
0.00088
0.00067
0.00051
0.00039
0.00030
0.00023
0.00127
0.00095
0.00071
0.00054
0.00041
0.00031
0.00023
0.00018
0.00105
0.00078
0.00058
0.00043
0.00032
0.00024
0.00018
0.00014
0.00086
0.00064
0.00047
0.00035
0.00026
0.00019
0.00014
0.00011
0.00071
0.00052
0.00038
0.00028
0.00021
0.00015
0.00011
0.00008
0.00059
0.00043
0.00031
0.00023
0.00017
0.00012
0.00009
0.00007
0.00049
0.00035
0.00025
0.00018
0.00013
0.00010
0.00007
0.00005
0.00040
0.00029
0.00021
0.00015
0.00011
0.00008
0.00006
0.00004
0.00033
0.00024
0.00017
0.00012
0.00009
0.00006
0.00004
0.00003
0.00028
0.00019
0.00014
0.00010
0.00007
0.00005
0.00003
0.00002
0.00023
0.00016
0.00011
0.00008
0.00005
0.00004
0.00003
0.00002
0.00019
0.00013
0.00009
0.00006
0.00004
0.00003
0.00002
0.00001
0.00016
0.00011
0.00007
0.00005
0.00003
0.00002
0.00002
0.00001
0.00013
0.00009
0.00006
0.00004
0.00003
0.00002
0.00001
0.00001
0.00011
0.00007
0.00005
0.00003
0.00002
0.00002
0.00001
0.00001
0.00009
0.00006
0.00004
0.00003
0.00002
0.00001
0.00001
0.00001
0.00007
0.00005
0.00003
0.00002
0.00001
0.00001
0.00001
0.00000
29%
30%
31%
32%
33%
34%
35%
36%
0.77519
0.76923
0.76336
0.75758
0.75188
0.74627
0.74074
0.73529
0.60093
0.59172
0.58272
0.57392
0.56532
0.55692
0.54870
0.54066
0.46583
0.45517
0.44482
0.43479
0.42505
0.41561
0.40644
0.39754
0.36111
0.35013
0.33956
0.32939
0.31959
0.31016
0.30107
0.29231
0.27993
0.26933
0.25921
0.24953
0.24029
0.23146
0.22301
0.21493
0.21700
0.20718
0.19787
0.18904
0.18067
0.17273
0.16520
0.15804
0.16822
0.15937
0.15104
0.14321
0.13584
0.12890
0.12237
0.11621
0.13040
0.12259
0.11530
0.10849
0.10214
0.09620
0.09064
0.08545
0.10109
0.09430
0.08802
0.08219
0.07680
0.07179
0.06714
0.06283
0.07836
0.07254
0.06719
0.06227
0.05774
0.05357
0.04974
0.04620
0.06075
0.05580
0.05129
0.04717
0.04341
0.03998
0.03684
0.03397
0.04709
0.04292
0.03915
0.03574
0.03264
0.02984
0.02729
0.02498
0.03650
0.03302
0.02989
0.02707
0.02454
0.02227
0.02021
0.01837
0.02830
0.02540
0.02281
0.02051
0.01845
0.01662
0.01497
0.01350
0.02194
0.01954
0.01742
0.01554
0.01387
0.01240
0.01109
0.00993
0.01700
0.01503
0.01329
0.01177
0.01043
0.00925
0.00822
0.00730
0.01318
0.01156
0.01015
0.00892
0.00784
0.00691
0.00609
0.00537
0.01022
0.00889
0.00775
0.00676
0.00590
0.00515
0.00451
0.00395
0.00792
0.00684
0.00591
0.00512
0.00443
0.00385
0.00334
0.00290
0.00614
0.00526
0.00451
0.00388
0.00333
0.00287
0.00247
0.00213
0.00476
0.00405
0.00345
0.00294
0.00251
0.00214
0.00183
0.00157
0.00369
0.00311
0.00263
0.00223
0.00188
0.00160
0.00136
0.00115
0.00286
0.00239
0.00201
0.00169
0.00142
0.00119
0.00101
0.00085
0.00222
0.00184
0.00153
0.00128
0.00107
0.00089
0.00074
0.00062
0.00172
0.00142
0.00117
0.00097
0.00080
0.00066
0.00055
0.00046
0.00133
0.00109
0.00089
0.00073
0.00060
0.00050
0.00041
0.00034
0.00103
0.00084
0.00068
0.00056
0.00045
0.00037
0.00030
0.00025
0.00080
0.00065
0.00052
0.00042
0.00034
0.00028
0.00022
0.00018
0.00062
0.00050
0.00040
0.00032
0.00026
0.00021
0.00017
0.00013
0.00048
0.00038
0.00030
0.00024
0.00019
0.00015
0.00012
0.00010
0.00037
0.00029
0.00023
0.00018
0.00014
0.00011
0.00009
0.00007
0.00029
0.00023
0.00018
0.00014
0.00011
0.00009
0.00007
0.00005
0.00022
0.00017
0.00013
0.00010
0.00008
0.00006
0.00005
0.00004
0.00017
0.00013
0.00010
0.00008
0.00006
0.00005
0.00004
0.00003
0.00013
0.00010
0.00008
0.00006
0.00005
0.00004
0.00003
0.00002
0.00010
0.00008
0.00006
0.00005
0.00003
0.00003
0.00002
0.00002
0.00008
0.00006
0.00005
0.00003
0.00003
0.00002
0.00002
0.00001
0.00006
0.00005
0.00003
0.00003
0.00002
0.00001
0.00001
0.00001
0.00005
0.00004
0.00003
0.00002
0.00001
0.00001
0.00001
0.00001
0.00004
0.00003
0.00002
0.00002
0.00001
0.00001
0.00001
0.00000
0.00003
0.00002
0.00002
0.00001
0.00001
0.00001
0.00000
0.00000
0.00002
0.00002
0.00001
0.00001
0.00001
0.00000
0.00000
0.00000
0.00002
0.00001
0.00001
0.00001
0.00000
0.00000
0.00000
0.00000
0.00001
0.00001
0.00001
0.00000
0.00000
0.00000
0.00000
0.00000
0.00001
0.00001
0.00001
0.00000
0.00000
0.00000
0.00000
0.00000
0.00001
0.00001
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00001
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
37%
38%
39%
40%
41%
42%
43%
0.72993
0.72464
0.71942
0.71429
0.70922
0.70423
0.69930
0.53279
0.52510
0.51757
0.51020
0.50299
0.49593
0.48902
0.38890
0.38051
0.37235
0.36443
0.35673
0.34925
0.34197
0.28387
0.27573
0.26788
0.26031
0.25300
0.24595
0.23914
0.20720
0.19980
0.19272
0.18593
0.17943
0.17320
0.16723
0.15124
0.14479
0.13865
0.13281
0.12726
0.12197
0.11695
0.11040
0.10492
0.09975
0.09486
0.09025
0.08590
0.08178
0.08058
0.07603
0.07176
0.06776
0.06401
0.06049
0.05719
0.05882
0.05509
0.05163
0.04840
0.04540
0.04260
0.03999
0.04293
0.03992
0.03714
0.03457
0.03220
0.03000
0.02797
0.03134
0.02893
0.02672
0.02469
0.02283
0.02113
0.01956
0.02287
0.02096
0.01922
0.01764
0.01619
0.01488
0.01368
0.01670
0.01519
0.01383
0.01260
0.01149
0.01048
0.00956
0.01219
0.01101
0.00995
0.00900
0.00815
0.00738
0.00669
0.00890
0.00798
0.00716
0.00643
0.00578
0.00520
0.00468
0.00649
0.00578
0.00515
0.00459
0.00410
0.00366
0.00327
0.00474
0.00419
0.00370
0.00328
0.00291
0.00258
0.00229
0.00346
0.00304
0.00267
0.00234
0.00206
0.00181
0.00160
0.00253
0.00220
0.00192
0.00167
0.00146
0.00128
0.00112
0.00184
0.00159
0.00138
0.00120
0.00104
0.00090
0.00078
0.00135
0.00115
0.00099
0.00085
0.00074
0.00063
0.00055
0.00098
0.00084
0.00071
0.00061
0.00052
0.00045
0.00038
0.00072
0.00061
0.00051
0.00044
0.00037
0.00031
0.00027
0.00052
0.00044
0.00037
0.00031
0.00026
0.00022
0.00019
0.00038
0.00032
0.00027
0.00022
0.00019
0.00016
0.00013
0.00028
0.00023
0.00019
0.00016
0.00013
0.00011
0.00009
0.00020
0.00017
0.00014
0.00011
0.00009
0.00008
0.00006
0.00015
0.00012
0.00010
0.00008
0.00007
0.00005
0.00004
0.00011
0.00009
0.00007
0.00006
0.00005
0.00004
0.00003
0.00008
0.00006
0.00005
0.00004
0.00003
0.00003
0.00002
0.00006
0.00005
0.00004
0.00003
0.00002
0.00002
0.00002
0.00004
0.00003
0.00003
0.00002
0.00002
0.00001
0.00001
0.00003
0.00002
0.00002
0.00002
0.00001
0.00001
0.00001
0.00002
0.00002
0.00001
0.00001
0.00001
0.00001
0.00001
0.00002
0.00001
0.00001
0.00001
0.00001
0.00000
0.00000
0.00001
0.00001
0.00001
0.00001
0.00000
0.00000
0.00000
0.00001
0.00001
0.00001
0.00000
0.00000
0.00000
0.00000
0.00001
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
44%
45%
46%
47%
48%
49%
50%
0.69444
0.68966
0.68493
0.68027
0.67568
0.67114
0.66667
0.48225
0.47562
0.46913
0.46277
0.45654
0.45043
0.44444
0.33490
0.32802
0.32132
0.31481
0.30847
0.30230
0.29630
0.23257
0.22622
0.22008
0.21416
0.20843
0.20289
0.19753
0.16151
0.15601
0.15074
0.14568
0.14083
0.13617
0.13169
0.11216
0.10759
0.10325
0.09911
0.09515
0.09139
0.08779
0.07789
0.07420
0.07072
0.06742
0.06429
0.06133
0.05853
0.05409
0.05117
0.04844
0.04586
0.04344
0.04116
0.03902
0.03756
0.03529
0.03318
0.03120
0.02935
0.02763
0.02601
0.02608
0.02434
0.02272
0.02122
0.01983
0.01854
0.01734
0.01811
0.01679
0.01556
0.01444
0.01340
0.01244
0.01156
0.01258
0.01158
0.01066
0.00982
0.00905
0.00835
0.00771
0.00874
0.00798
0.00730
0.00668
0.00612
0.00561
0.00514
0.00607
0.00551
0.00500
0.00455
0.00413
0.00376
0.00343
0.00421
0.00380
0.00343
0.00309
0.00279
0.00252
0.00228
0.00293
0.00262
0.00235
0.00210
0.00189
0.00169
0.00152
0.00203
0.00181
0.00161
0.00143
0.00128
0.00114
0.00101
0.00141
0.00125
0.00110
0.00097
0.00086
0.00076
0.00068
0.00098
0.00086
0.00075
0.00066
0.00058
0.00051
0.00045
0.00068
0.00059
0.00052
0.00045
0.00039
0.00034
0.00030
0.00047
0.00041
0.00035
0.00031
0.00027
0.00023
0.00020
0.00033
0.00028
0.00024
0.00021
0.00018
0.00015
0.00013
0.00023
0.00019
0.00017
0.00014
0.00012
0.00010
0.00009
0.00016
0.00013
0.00011
0.00010
0.00008
0.00007
0.00006
0.00011
0.00009
0.00008
0.00007
0.00006
0.00005
0.00004
0.00008
0.00006
0.00005
0.00004
0.00004
0.00003
0.00003
0.00005
0.00004
0.00004
0.00003
0.00003
0.00002
0.00002
0.00004
0.00003
0.00003
0.00002
0.00002
0.00001
0.00001
0.00003
0.00002
0.00002
0.00001
0.00001
0.00001
0.00001
0.00002
0.00001
0.00001
0.00001
0.00001
0.00001
0.00001
0.00001
0.00001
0.00001
0.00001
0.00001
0.00000
0.00000
0.00001
0.00001
0.00001
0.00000
0.00000
0.00000
0.00000
0.00001
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
TABLA A-3
PERIODO
FACTORES DE INTERES DEL VALOR FUTURO PARA UNA ANUALIDAD

ORDINARIA:
1%
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
2%
3%
4%
5%
6%
7%
8%
redondeo =
9%
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
2.0100
2.0200
2.0300
2.0400
2.0500
2.0600
2.0700
2.0800
2.0900
3.0301
3.0604
3.0909
3.1216
3.1525
3.1836
3.2149
3.2464
3.2781
4.0604
4.1216
4.1836
4.2465
4.3101
4.3746
4.4399
4.5061
4.5731
5.1010
5.2040
5.3091
5.4163
5.5256
5.6371
5.7507
5.8666
5.9847
6.1520
6.3081
6.4684
6.6330
6.8019
6.9753
7.1533
7.3359
7.5233
7.2135
7.4343
7.6625
7.8983
8.1420
8.3938
8.6540
8.9228
9.2004
8.2857
8.5830
8.8923
9.2142
9.5491
9.8975
10.2598
10.6366
11.0285
9.3685
9.7546
10.1591
10.5828
11.0266
11.4913
11.9780
12.4876
13.0210
10.4622
10.9497
11.4639
12.0061
12.5779
13.1808
13.8164
14.4866
15.1929
11.5668
12.1687
12.8078
13.4864
14.2068
14.9716
15.7836
16.6455
17.5603
12.6825
13.4121
14.1920
15.0258
15.9171
16.8699
17.8885
18.9771
20.1407
13.8093
14.6803
15.6178
16.6268
17.7130
18.8821
20.1406
21.4953
22.9534
14.9474
15.9739
17.0863
18.2919
19.5986
21.0151
22.5505
24.2149
26.0192
16.0969
17.2934
18.5989
20.0236
21.5786
23.2760
25.1290
27.1521
29.3609
17.2579
18.6393
20.1569
21.8245
23.6575
25.6725
27.8881
30.3243
33.0034
18.4304
20.0121
21.7616
23.6975
25.8404
28.2129
30.8402
33.7502
36.9737
19.6147
21.4123
23.4144
25.6454
28.1324
30.9057
33.9990
37.4502
41.3013
20.8109
22.8406
25.1169
27.6712
30.5390
33.7600
37.3790
41.4463
46.0185
22.0190
24.2974
26.8704
29.7781
33.0660
36.7856
40.9955
45.7620
51.1601
23.2392
25.7833
28.6765
31.9692
35.7193
39.9927
44.8652
50.4229
56.7645
24.4716
27.2990
30.5368
34.2480
38.5052
43.3923
49.0057
55.4568
62.8733
25.7163
28.8450
32.4529
36.6179
41.4305
46.9958
53.4361
60.8933
69.5319
26.9735
30.4219
34.4265
39.0826
44.5020
50.8156
58.1767
66.7648
76.7898
28.2432
32.0303
36.4593
41.6459
47.7271
54.8645
63.2490
73.1059
84.7009
29.5256
33.6709
38.5530
44.3117
51.1135
59.1564
68.6765
79.9544
93.3240
30.8209
35.3443
40.7096
47.0842
54.6691
63.7058
74.4838
87.3508
102.7231
32.1291
37.0512
42.9309
49.9676
58.4026
68.5281
80.6977
95.3388
112.9682
33.4504
38.7922
45.2189
52.9663
62.3227
73.6398
87.3465
103.9659
124.1354
34.7849
40.5681
47.5754
56.0849
66.4388
79.0582
94.4608
113.2832
136.3075
36.1327
42.3794
50.0027
59.3283
70.7608
84.8017
102.0730
123.3459
149.5752
37.4941
44.2270
52.5028
62.7015
75.2988
90.8898
110.2182
134.2135
164.0370
38.8690
46.1116
55.0778
66.2095
80.0638
97.3432
118.9334
145.9506
179.8003
40.2577
48.0338
57.7302
69.8579
85.0670
104.1838
128.2588
158.6267
196.9823
41.6603
49.9945
60.4621
73.6522
90.3203
111.4348
138.2369
172.3168
215.7108
43.0769
51.9944
63.2759
77.5983
95.8363
119.1209
148.9135
187.1021
236.1247
44.5076
54.0343
66.1742
81.7022
101.6281
127.2681
160.3374
203.0703
258.3759
45.9527
56.1149
69.1594
85.9703
107.7095
135.9042
172.5610
220.3159
282.6298
47.4123
58.2372
72.2342
90.4091
114.0950
145.0585
185.6403
238.9412
309.0665
48.8864
60.4020
75.4013
95.0255
120.7998
154.7620
199.6351
259.0565
337.8824
50.3752
62.6100
78.6633
99.8265
127.8398
165.0477
214.6096
280.7810
369.2919
51.8790
64.8622
82.0232
104.8196
135.2318
175.9505
230.6322
304.2435
403.5281
53.3978
67.1595
85.4839
110.0124
142.9933
187.5076
247.7765
329.5830
440.8457
54.9318
69.5027
89.0484
115.4129
151.1430
199.7580
266.1209
356.9496
481.5218
56.4811
71.8927
92.7199
121.0294
159.7002
212.7435
285.7493
386.5056
525.8587
46
47
48
49
50
58.0459
74.3306
96.5015
126.8706
168.6852
226.5081
306.7518
418.4261
574.1860
59.6263
76.8172
100.3965
132.9454
178.1194
241.0986
329.2244
452.9002
626.8628
61.2226
79.3535
104.4084
139.2632
188.0254
256.5645
353.2701
490.1322
684.2804
62.8348
81.9406
108.5406
145.8337
198.4267
272.9584
378.9990
530.3427
746.8656
64.4632
84.5794
112.7969
152.6671
209.3480
290.3359
406.5289
573.7702
815.0836
UNA ANUALIDAD
FVIFA=
4
10%
11%
(1/i)*(((1+i)^n)-1)
12%
13%
14%
15%
16%
17%
18%
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
2.1000
2.1100
2.1200
2.1300
2.1400
2.1500
2.1600
2.1700
2.1800
3.3100
3.3421
3.3744
3.4069
3.4396
3.4725
3.5056
3.5389
3.5724
4.6410
4.7097
4.7793
4.8498
4.9211
4.9934
5.0665
5.1405
5.2154
6.1051
6.2278
6.3528
6.4803
6.6101
6.7424
6.8771
7.0144
7.1542
7.7156
7.9129
8.1152
8.3227
8.5355
8.7537
8.9775
9.2068
9.4420
9.4872
9.7833
10.0890
10.4047
10.7305
11.0668
11.4139
11.7720
12.1415
11.4359
11.8594
12.2997
12.7573
13.2328
13.7268
14.2401
14.7733
15.3270
13.5795
14.1640
14.7757
15.4157
16.0853
16.7858
17.5185
18.2847
19.0859
15.9374
16.7220
17.5487
18.4197
19.3373
20.3037
21.3215
22.3931
23.5213
18.5312
19.5614
20.6546
21.8143
23.0445
24.3493
25.7329
27.1999
28.7551
21.3843
22.7132
24.1331
25.6502
27.2707
29.0017
30.8502
32.8239
34.9311
24.5227
26.2116
28.0291
29.9847
32.0887
34.3519
36.7862
39.4040
42.2187
27.9750
30.0949
32.3926
34.8827
37.5811
40.5047
43.6720
47.1027
50.8180
31.7725
34.4054
37.2797
40.4175
43.8424
47.5804
51.6595
56.1101
60.9653
35.9497
39.1899
42.7533
46.6717
50.9804
55.7175
60.9250
66.6488
72.9390
40.5447
44.5008
48.8837
53.7391
59.1176
65.0751
71.6730
78.9792
87.0680
45.5992
50.3959
55.7497
61.7251
68.3941
75.8364
84.1407
93.4056
103.7403
51.1591
56.9395
63.4397
70.7494
78.9692
88.2118
98.6032
110.2846
123.4135
57.2750
64.2028
72.0524
80.9468
91.0249
102.4436
115.3797
130.0329
146.6280
64.0025
72.2651
81.6987
92.4699
104.7684
118.8101
134.8405
153.1385
174.0210
71.4027
81.2143
92.5026
105.4910
120.4360
137.6316
157.4150
180.1721
206.3448
79.5430
91.1479
104.6029
120.2048
138.2970
159.2764
183.6014
211.8013
244.4868
88.4973
102.1742
118.1552
136.8315
158.6586
184.1678
213.9776
248.8076
289.4945
98.3471
114.4133
133.3339
155.6196
181.8708
212.7930
249.2140
292.1049
342.6035
109.1818
127.9988
150.3339
176.8501
208.3327
245.7120
290.0883
342.7627
405.2721
121.0999
143.0786
169.3740
200.8406
238.4993
283.5688
337.5024
402.0323
479.2211
134.2099
159.8173
190.6989
227.9499
272.8892
327.1041
392.5028
471.3778
566.4809
148.6309
178.3972
214.5828
258.5834
312.0937
377.1697
456.3032
552.5121
669.4475
164.4940
199.0209
241.3327
293.1992
356.7868
434.7451
530.3117
647.4391
790.9480
181.9434
221.9132
271.2926
332.3151
407.7370
500.9569
616.1616
758.5038
934.3186
201.1378
247.3236
304.8477
376.5161
465.8202
577.1005
715.7475
888.4494
1103.4960
222.2515
275.5292
342.4294
426.4632
532.0350
664.6655
831.2671
1040.4858
1303.1253
245.4767
306.8374
384.5210
482.9034
607.5199
765.3654
965.2698
1218.3684
1538.6878
271.0244
341.5896
431.6635
546.6808
693.5727
881.1702
1120.7130
1426.4910
1816.6516
299.1268
380.1644
484.4631
618.7493
791.6729
1014.3457
1301.0270
1669.9945
2144.6489
330.0395
422.9825
543.5987
700.1867
903.5071
1167.4975
1510.1914
1954.8936
2531.6857
364.0434
470.5106
609.8305
792.2110
1030.9981
1343.6222
1752.8220
2288.2255
2988.3891
401.4478
523.2667
684.0102
896.1984
1176.3378
1546.1655
2034.2735
2678.2238
3527.2992
442.5926
581.8261
767.0914
1013.7042
1342.0251
1779.0903
2360.7572
3134.5218
4163.2130
487.8518
646.8269
860.1424
1146.4858
1530.9086
2046.9539
2739.4784
3668.3906
4913.5914
537.6370
718.9779
964.3595
1296.5289
1746.2358
2354.9969
3178.7949
4293.0169
5799.0378
592.4007
799.0655
1081.0826
1466.0777
1991.7088
2709.2465
3688.4021
5023.8298
6843.8646
652.6408
887.9627
1211.8125
1657.6678
2271.5481
3116.6334
4279.5465
5878.8809
8076.7603
718.9048
986.6386
1358.2300
1874.1646
2590.5648
3585.1285
4965.2739
6879.2907
9531.5771
791.7953
1096.1688
1522.2176
2118.8060
2954.2439
4123.8977
5760.7177
8049.7701
11248.2610
871.9749
1217.7474
1705.8838
2395.2508
3368.8380
4743.4824
6683.4326
9419.2310
13273.9480
960.1723
1352.6996
1911.5898
2707.6334
3841.4753
5456.0047
7753.7818
11021.5002
15664.2586
1057.1896
1502.4965
2141.9806
3060.6258
4380.2819
6275.4055
8995.3869
12896.1553
18484.8251
1163.9085
1668.7712
2400.0182
3459.5071
4994.5213
7217.7163
10435.6488
15089.5017
21813.0937
19%
20%
21%
22%
23%
24%
25%
26%
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
2.1900
2.2000
2.2100
2.2200
2.2300
2.2400
2.2500
2.2600
3.6061
3.6400
3.6741
3.7084
3.7429
3.7776
3.8125
3.8476
5.2913
5.3680
5.4457
5.5242
5.6038
5.6842
5.7656
5.8480
7.2966
7.4416
7.5892
7.7396
7.8926
8.0484
8.2070
8.3684
9.6830
9.9299
10.1830
10.4423
10.7079
10.9801
11.2588
11.5442
12.5227
12.9159
13.3214
13.7396
14.1708
14.6153
15.0735
15.5458
15.9020
16.4991
17.1189
17.7623
18.4300
19.1229
19.8419
20.5876
19.9234
20.7989
21.7139
22.6700
23.6690
24.7125
25.8023
26.9404
24.7089
25.9587
27.2738
28.6574
30.1128
31.6434
33.2529
34.9449
30.4035
32.1504
34.0013
35.9620
38.0388
40.2379
42.5661
45.0306
37.1802
39.5805
42.1416
44.8737
47.7877
50.8950
54.2077
57.7386
45.2445
48.4966
51.9913
55.7459
59.7788
64.1097
68.7596
73.7506
54.8409
59.1959
63.9095
69.0100
74.5280
80.4961
86.9495
93.9258
66.2607
72.0351
78.3305
85.1922
92.6694
100.8151
109.6868
119.3465
79.8502
87.4421
95.7799
104.9345
114.9834
126.0108
138.1085
151.3766
96.0218
105.9306
116.8937
129.0201
142.4295
157.2534
173.6357
191.7345
115.2659
128.1167
142.4413
158.4045
176.1883
195.9942
218.0446
242.5855
138.1664
154.7400
173.3540
194.2535
217.7116
244.0328
273.5558
306.6577
165.4180
186.6880
210.7584
237.9893
268.7853
303.6006
342.9447
387.3887
197.8474
225.0256
256.0176
291.3469
331.6059
377.4648
429.6809
489.1098
236.4385
271.0307
310.7813
356.4432
408.8753
469.0563
538.1011
617.2783
282.3618
326.2369
377.0454
435.8607
503.9166
582.6298
673.6264
778.7707
337.0105
392.4842
457.2249
532.7501
620.8174
723.4610
843.0329
982.2511
402.0425
471.9811
554.2422
650.9551
764.6054
898.0916
1054.7912
1238.6363
479.4306
567.3773
671.6330
795.1653
941.4647
1114.6336
1319.4890
1561.6818
571.5224
681.8528
813.6759
971.1016
1159.0016
1383.1457
1650.3612
1968.7191
681.1116
819.2233
985.5479
1185.7440
1426.5719
1716.1007
2063.9515
2481.5860
811.5228
984.0680
1193.5129
1447.6077
1755.6835
2128.9648
2580.9394
3127.7984
966.7122
1181.8816
1445.1507
1767.0813
2160.4907
2640.9164
3227.1743
3942.0260
1151.3875
1419.2579
1749.6323
2156.8392
2658.4036
3275.7363
4034.9678
4967.9527
1371.1511
1704.1095
2118.0551
2632.3439
3270.8364
4062.9130
5044.7098
6260.6204
1632.6698
2045.9314
2563.8467
3212.4595
4024.1287
5039.0122
6306.8872
7889.3817
1943.8771
2456.1176
3103.2545
3920.2006
4950.6783
6249.3751
7884.6091
9941.6210
2314.2137
2948.3411
3755.9379
4783.6447
6090.3344
7750.2251
9856.7613
12527.4424
2754.9143
3539.0094
4545.6848
5837.0466
7492.1113
9611.2791
12321.9516
15785.5774
3279.3481
4247.8112
5501.2787
7122.1968
9216.2969
11918.9861
15403.4396
19890.8276
3903.4242
5098.3735
6657.5472
8690.0801
11337.0451
14780.5428
19255.2994
25063.4428
4646.0748
6119.0482
8056.6321
10602.8978
13945.5655
18328.8731
24070.1243
31580.9379
5529.8290
7343.8578
9749.5248
12936.5353
17154.0456
22728.8026
30088.6554
39792.9817
6581.4965
8813.6294
11797.9250
15783.5730
21100.4761
28184.7152
37611.8192
50140.1570
7832.9808
10577.3553
14276.4893
19256.9591
25954.5856
34950.0469
47015.7740
63177.5978
9322.2472
12693.8263
17275.5521
23494.4901
31925.1403
43339.0581
58770.7175
79604.7732
11094.4741
15233.5916
20904.4180
28664.2779
39268.9225
53741.4321
73464.3969
100303.0142
13203.4242
18281.3099
25295.3458
34971.4191
48301.7747
66640.3758
91831.4962
126382.7979
15713.0748
21938.5719
30608.3684
42666.1312
59412.1829
82635.0660
114790.3702
159243.3254
18699.5590
26327.2863
37037.1257
52053.6801
73077.9850
102468.4818
143488.9627
200647.5900
22253.4753
31593.7436
44815.9221
63506.4897
89886.9215
127061.9174
179362.2034
252816.9634
26482.6356
37913.4923
54228.2658
77478.9175
110561.9135
157557.7776
224203.7543
318550.3739
31515.3363
45497.1908
65617.2016
94525.2793
135992.1536
195372.6442
280255.6929
401374.4711
27%
28%
29%
30%
31%
32%
33%
34%
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
2.2700
2.2800
2.2900
2.3000
2.3100
2.3200
2.3300
2.3400
3.8829
3.9184
3.9541
3.9900
4.0261
4.0624
4.0989
4.1356
5.9313
6.0156
6.1008
6.1870
6.2742
6.3624
6.4515
6.5417
8.5327
8.6999
8.8700
9.0431
9.2192
9.3983
9.5805
9.7659
11.8366
12.1359
12.4423
12.7560
13.0771
13.4058
13.7421
14.0863
16.0324
16.5339
17.0506
17.5828
18.1311
18.6956
19.2770
19.8756
21.3612
22.1634
22.9953
23.8577
24.7517
25.6782
26.6384
27.6333
28.1287
29.3692
30.6639
32.0150
33.4247
34.8953
36.4291
38.0287
36.7235
38.5926
40.5564
42.6195
44.7864
47.0618
49.4507
51.9584
47.6388
50.3985
53.3178
56.4053
59.6701
63.1215
66.7695
70.6243
61.5013
65.5100
69.7800
74.3270
79.1679
84.3204
89.8034
95.6365
79.1066
84.8529
91.0161
97.6250
104.7099
112.3030
120.4385
129.1529
101.4654
109.6117
118.4108
127.9125
138.1700
149.2399
161.1833
174.0649
129.8611
141.3029
153.7500
167.2863
182.0027
197.9967
215.3737
234.2470
165.9236
181.8677
199.3374
218.4722
239.4235
262.3557
287.4471
314.8910
211.7230
233.7907
258.1453
285.0139
314.6448
347.3095
383.3046
422.9539
269.8882
300.2521
334.0074
371.5180
413.1847
459.4485
510.7951
567.7583
343.7580
385.3227
431.8696
483.9734
542.2719
607.4721
680.3575
761.7961
437.5726
494.2131
558.1118
630.1655
711.3762
802.8631
905.8755
1021.8068
556.7173
633.5927
720.9642
820.2151
932.9028
1060.7793
1205.8144
1370.2211
708.0309
811.9987
931.0438
1067.2796
1223.1027
1401.2287
1604.7332
1837.0962
900.1993
1040.3583
1202.0465
1388.4635
1603.2645
1850.6219
2135.2951
2462.7089
1144.2531
1332.6586
1551.6400
1806.0026
2101.2765
2443.8209
2840.9425
3301.0300
1454.2014
1706.8031
2002.6156
2348.8033
2753.6722
3226.8436
3779.4536
4424.3801
1847.8358
2185.7079
2584.3741
3054.4443
3608.3106
4260.4336
5027.6732
5929.6694
2347.7515
2798.7061
3334.8426
3971.7776
4727.8868
5624.7723
6687.8054
7946.7570
2982.6443
3583.3438
4302.9470
5164.3109
6194.5318
7425.6994
8895.7812
10649.6543
3788.9583
4587.6801
5551.8016
6714.6042
8115.8366
9802.9233
11832.3890
14271.5368
4812.9771
5873.2306
7162.8241
8729.9855
10632.7460
12940.8587
15738.0774
19124.8593
6113.4809
7518.7351
9241.0431
11349.9811
13929.8972
17082.9335
20932.6429
25628.3115
7765.1207
9624.9810
11921.9456
14755.9755
18249.1653
22550.4722
27841.4150
34342.9374
9862.7033
12320.9756
15380.3098
19183.7681
23907.4066
29767.6233
37030.0820
46020.5362
12526.6332
15771.8488
19841.5997
24939.8985
31319.7026
39294.2628
49251.0090
61668.5185
15909.8242
20188.9665
25596.6636
32422.8681
41029.8105
51869.4269
65504.8420
82636.8147
20206.4767
25842.8771
33020.6960
42150.7285
53750.0517
68468.6435
87122.4399
110734.3317
25663.2254
33079.8826
42597.6978
54796.9471
70413.5677
90379.6094
115873.8451
148385.0045
32593.2963
42343.2498
54952.0302
71237.0312
92242.7737
119302.0844
154113.2139
198836.9061
41394.4863
54200.3597
70889.1190
92609.1405
120839.0336
157479.7515
204971.5745
266442.4541
52571.9976
69377.4604
91447.9635
120392.8827
158300.1340
207874.2719
272613.1941
357033.8885
66767.4369
88804.1494
117968.8729
156511.7475
207374.1756
274395.0390
362576.5482
478426.4106
84795.6449
113670.3112
152180.8460
203466.2718
271661.1700
362202.4514
482227.8091
641092.3902
107691.4690
145498.9983
196314.2913
264507.1533
355877.1327
478108.2359
641363.9861
859064.8029
136769.1656
186239.7178
253246.4358
343860.2993
466200.0438
631103.8714
853015.1015
1151147.8359
173697.8403
238387.8388
326688.9022
447019.3890
610723.0574
833058.1102
1134511.0850
1542539.1001
220597.2572
305137.4337
421429.6838
581126.2058
800048.2052
1099637.7055
1508900.7431
2067003.3942
280159.5166
390576.9151
543645.2922
755465.0675
1048064.1488
1451522.7712
2006838.9883
2769785.5482
355803.5861
499939.4514
701303.4269
982105.5877
1372965.0349
1916011.0580
2669096.8545
3711513.6346
451871.5544
639923.4978
904682.4207
1276738.2640
1798585.1957
2529135.5966
3549899.8165
4973429.2704
573877.8741
819103.0771
1167041.3227
1659760.7433
2356147.6064
3338459.9875
4721367.7559
6664396.2223
35%
36%
37%
38%
39%
40%
41%
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
2.3500
2.3600
2.3700
2.3800
2.3900
2.4000
2.4100
4.1725
4.2096
4.2469
4.2844
4.3221
4.3600
4.3981
6.6329
6.7251
6.8183
6.9125
7.0077
7.1040
7.2013
9.9544
10.1461
10.3410
10.5392
10.7407
10.9456
11.1539
14.4384
14.7987
15.1672
15.5441
15.9296
16.3238
16.7269
20.4919
21.1262
21.7790
22.4509
23.1422
23.8534
24.5850
28.6640
29.7316
30.8373
31.9822
33.1676
34.3947
35.6648
39.6964
41.4350
43.2471
45.1354
47.1030
49.1526
51.2874
54.5902
57.3516
60.2485
63.2869
66.4731
69.8137
73.3153
74.6967
78.9982
83.5404
88.3359
93.3977
98.7391
104.3745
101.8406
108.4375
115.4504
122.9036
130.8227
139.2348
148.1681
138.4848
148.4750
159.1670
170.6070
182.8436
195.9287
209.9170
187.9544
202.9260
219.0588
236.4376
255.1526
275.3002
296.9830
254.7385
276.9793
301.1106
327.2839
355.6621
386.4202
419.7460
344.8970
377.6919
413.5215
452.6518
495.3704
541.9883
592.8419
466.6109
514.6610
567.5245
625.6595
689.5648
759.7837
836.9070
630.9247
700.9389
778.5085
864.4101
959.4951
1064.6971
1181.0389
852.7483
954.2769
1067.5567
1193.8859
1334.6982
1491.5760
1666.2649
1152.2103
1298.8166
1463.5527
1648.5625
1856.2305
2089.2064
2350.4335
1556.4838
1767.3906
2006.0672
2276.0163
2581.1604
2925.8889
3315.1112
2102.2532
2404.6512
2749.3120
3141.9025
3588.8129
4097.2445
4675.3068
2839.0418
3271.3256
3767.5575
4336.8254
4989.4499
5737.1423
6593.1826
3833.7064
4450.0029
5162.5537
5985.8191
6936.3354
8032.9993
9297.3875
5176.5037
6053.0039
7073.6986
8261.4304
9642.5062
11247.1990
13110.3164
6989.2800
8233.0853
9691.9671
11401.7739
13404.0837
15747.0785
18486.5461
9436.5280
11197.9960
13278.9949
15735.4480
18632.6763
22046.9099
26067.0300
12740.3128
15230.2745
18193.2231
21715.9182
25900.4201
30866.6739
36755.5122
17200.4222
20714.1734
24925.7156
29968.9671
36002.5839
43214.3435
51826.2723
23221.5700
28172.2758
34149.2304
41358.1746
50044.5916
60501.0809
73076.0439
31350.1195
38315.2951
46785.4456
57075.2810
69562.9823
84702.5132
103038.2219
42323.6613
52109.8013
64097.0605
78764.8878
96693.5454
118584.5185
145284.8929
57137.9428
70870.3298
87813.9728
108696.5451
134405.0282
166019.3260
204852.6989
77137.2228
96384.6485
120306.1428
150002.2322
186823.9891
232428.0563
288843.3055
104136.2508
131084.1219
164820.4156
207004.0805
259686.3449
325400.2789
407270.0607
140584.9385
178275.4058
225804.9694
285666.6311
360965.0194
455561.3904
574251.7856
189790.6670
242455.5519
309353.8081
394220.9509
501742.3770
637786.9466
809696.0177
256218.4004
329740.5506
423815.7171
544025.9122
697422.9041
892902.7252
1141672.3850
345895.8406
448448.1488
580628.5324
750756.7589
969418.8366
1250064.8153
1609759.0628
466960.3848
609890.4824
795462.0894
1036045.3272
1347493.1829
1750091.7415
2269761.2786
630397.5195
829452.0560
1089784.0625
1429743.5516
1873016.5243
2450129.4381
3200364.4028
851037.6513
1128055.7962
1493005.1656
1973047.1012
2603493.9687
3430182.2133
4512514.8080
1148901.8293
1534156.8828
2045418.0768
2722805.9996
3618857.6165
4802256.0986
6362646.8793
1551018.4695
2086454.3606
2802223.7653
3757473.2795
5030213.0870
6723159.5381
8971333.0997
2093875.9338
2837578.9304
3839047.5584
5185314.1257
6991997.1909
9412424.3533
12649580.6706
2826733.5107
3859108.3453
5259496.1551
7155734.4935
9718877.0953
13177395.0946
17835909.7456
3816091.2394
5248388.3497
7205510.7324
9874914.6010
13509240.1625
18448354.1324
25148633.7413
5151724.1732
7137809.1555
9871550.7034
13627383.1494
18777844.8259
25827696.7854
35459574.5752
6954828.6338
9707421.4515
13524025.4637
18805789.7462
26101205.3080
36158776.4996
49998001.1511
9389019.6556
13202094.1741
18527915.8853
25951990.8498
36280676.3781
50622288.0994
70497182.6230
42%
43%
44%
45%
46%
47%
1.0000
1.0000
1.0000
1.0000
1.0000
1.0000
2.4200
2.4300
2.4400
2.4500
2.4600
2.4700
4.4364
4.4749
4.5136
4.5525
4.5916
4.6309
7.2997
7.3991
7.4996
7.6011
7.7037
7.8074
11.3656
11.5807
11.7994
12.0216
12.2475
12.4769
17.1391
17.5604
17.9911
18.4314
18.8813
19.3411
25.3375
26.1114
26.9072
27.7255
28.5667
29.4314
36.9793
38.3393
39.7464
41.2019
42.7073
44.2641
53.5106
55.8252
58.2348
60.7428
63.3527
66.0682
76.9850
80.8301
84.8582
89.0771
93.4950
98.1203
110.3187
116.5870
123.1958
130.1618
137.5027
145.2368
157.6525
167.7195
178.4019
189.7346
201.7539
214.4981
224.8666
240.8388
257.8988
276.1151
295.5607
316.3123
320.3106
345.3995
372.3742
401.3670
432.5186
465.9790
455.8410
494.9213
537.2189
582.9821
632.4771
685.9891
648.2942
708.7375
774.5952
846.3240
924.4166
1009.4040
921.5778
1014.4947
1116.4171
1228.1699
1350.6483
1484.8239
1309.6404
1451.7274
1608.6406
1781.8463
1972.9465
2183.6912
1860.6894
2076.9701
2317.4425
2584.6771
2881.5019
3211.0261
2643.1789
2971.0673
3338.1172
3748.7818
4207.9927
4721.2083
3754.3141
4249.6262
4807.8888
5436.7336
6144.6694
6941.1762
5332.1260
6077.9655
6924.3598
7884.2638
8972.2173
10204.5290
7572.6189
8692.4906
9972.0781
11433.1824
13100.4372
15001.6577
10754.1189
12431.2616
14360.7925
16579.1145
19127.6383
22053.4368
15271.8488
17777.7041
20680.5413
24040.7161
27927.3519
32419.5520
21687.0253
25423.1168
29780.9794
34860.0383
40774.9338
47657.7415
30796.5759
36356.0571
42885.6103
50548.0556
59532.4034
70057.8800
43732.1378
51990.1616
61756.2789
73295.6806
86918.3090
102986.0836
62100.6357
74346.9311
88930.0416
106279.7368
126901.7311
151390.5428
88183.9027
106317.1115
128060.2599
154106.6184
185277.5274
222545.0980
125222.1419
152034.4694
184407.7742
223455.5967
270506.1900
327142.2940
177816.4415
217410.2912
265548.1949
324011.6152
394940.0373
480900.1722
252500.3469
310897.7165
382390.4007
469817.8421
576613.4545
706924.2531
358551.4926
444584.7345
550643.1770
681236.8710
841856.6436
1039179.6520
509144.1195
635757.1704
792927.1748
987794.4630
1229111.6996
1527595.0885
722985.6496
909133.7536
1141816.1318
1432302.9713
1794504.0815
2245565.7801
1026640.6225
1300062.2677
1644216.2298
2076840.3084
2619976.9589
3300982.6967
1457830.6839
1859090.0428
2367672.3709
3011419.4472
3825167.3601
4852445.5641
2070120.5711
2658499.7613
3409449.2140
4366559.1985
5584745.3457
7133095.9792
2939572.2110
3801655.6586
4909607.8682
6331511.8378
8153729.2047
10485652.0895
4174193.5396
5436368.5918
7069836.3302
9180693.1648
11904445.6389
15413909.5716
5927355.8263
7774008.0863
10180565.3155
13312006.0890
17380491.6328
22658448.0702
8416846.2733
11116832.5634
14660015.0543
19302409.8290
25375518.7838
33307919.6632
11951922.7081
15897071.5656
21110422.6782
27988495.2521
37048258.4244
48962642.9049
16971731.2455
22732813.3388
30399009.6567
40583319.1155
54090458.2996
71975086.0702
24099859.3686
32507924.0745
43774574.9056
58845813.7175
78972070.1174
105803377.5231
34221801.3034
46486332.4266
63035388.8641
85326430.8904
115299223.3714
155530965.9590
48594958.8508
66475456.3700
90770960.9643
123723325.7910
168336867.1223
228630520.9598
69004842.5681
95059903.6091
130710184.7885
179398823.3970
245771826.9985
336086866.8109
97986877.4468
135935663.1610
188222667.0955
260128294.9257
358826868.4178
494047695.2120
48%
49%
50%
1.0000
1.0000
1.0000
2.4800
2.4900
2.5000
4.6704
4.7101
4.7500
7.9122
8.0180
8.1250
12.7100
12.9469
13.1875
19.8109
20.2909
20.7813
30.3201
31.2334
32.1719
45.8737
47.5378
49.2578
68.8931
71.8313
74.8867
102.9618
108.0286
113.3301
153.3835
161.9626
170.9951
228.0075
242.3243
257.4927
338.4511
362.0631
387.2390
501.9077
540.4741
581.8585
743.8233
806.3064
873.7878
1101.8585
1202.3965
1311.6817
1631.7506
1792.5708
1968.5225
2415.9910
2671.9305
2953.7838
3576.6666
3982.1765
4431.6756
5294.4666
5934.4430
6648.5135
7836.8106
8843.3201
9973.7702
11599.4796
13177.5469
14961.6553
17168.2299
19635.5449
22443.4829
25409.9802
29257.9619
33666.2244
37607.7707
43595.3632
50500.3366
55660.5006
64958.0912
75751.5049
82378.5409
96788.5559
113628.2573
121921.2405
144215.9482
170443.3860
180444.4359
214882.7629
255666.0790
267058.7652
320176.3167
383500.1185
395247.9724
477063.7118
575251.1777
584967.9992
710825.9306
862877.7665
865753.6388
1059131.6366
1294317.6498
1281316.3854
1578107.1385
1941477.4747
1896349.2504
2351380.6364
2912217.2121
2806597.8906
3503558.1483
4368326.8181
4153765.8781
5220302.6409
6552491.2272
6147574.4996
7778251.9349
9828737.8408
9098411.2594
11589596.3831
14743107.7613
13465649.6639
17268499.6108
22114662.6419
19929162.5026
25730065.4200
33171994.9628
29495161.5039
38337798.4758
49757993.4442
43652840.0257
57123320.7290
74636991.1663
64606204.2381
85113748.8862
111955487.7495
95617183.2724
126819486.8405
167933232.6243
141513432.2431
188961036.3923
251899849.9364
209439880.7198
281551945.2245
377849775.9046
309971024.4653
419512399.3845
566774664.8569
458757117.2087
625073476.0830
850161998.2854
678960534.4689
931359480.3636
1275242998.4281
TABLA A-4
PERIODO
FACTORES DE INTERES DEL VALOR PRESENTE PARA UNA ANUALIDAD

ORDINARIA:
1%
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
2%
3%
4%
5%
6%
7%
8%
redondeo =
9%
0.9901
0.9804
0.9709
0.9615
0.9524
0.9434
0.9346
0.9259
0.9174
1.9704
1.9416
1.9135
1.8861
1.8594
1.8334
1.8080
1.7833
1.7591
2.9410
2.8839
2.8286
2.7751
2.7232
2.6730
2.6243
2.5771
2.5313
3.9020
3.8077
3.7171
3.6299
3.5460
3.4651
3.3872
3.3121
3.2397
4.8534
4.7135
4.5797
4.4518
4.3295
4.2124
4.1002
3.9927
3.8897
5.7955
5.6014
5.4172
5.2421
5.0757
4.9173
4.7665
4.6229
4.4859
6.7282
6.4720
6.2303
6.0021
5.7864
5.5824
5.3893
5.2064
5.0330
7.6517
7.3255
7.0197
6.7327
6.4632
6.2098
5.9713
5.7466
5.5348
8.5660
8.1622
7.7861
7.4353
7.1078
6.8017
6.5152
6.2469
5.9952
9.4713
8.9826
8.5302
8.1109
7.7217
7.3601
7.0236
6.7101
6.4177
10.3676
9.7868
9.2526
8.7605
8.3064
7.8869
7.4987
7.1390
6.8052
11.2551
10.5753
9.9540
9.3851
8.8633
8.3838
7.9427
7.5361
7.1607
12.1337
11.3484
10.6350
9.9856
9.3936
8.8527
8.3577
7.9038
7.4869
13.0037
12.1062
11.2961
10.5631
9.8986
9.2950
8.7455
8.2442
7.7862
13.8651
12.8493
11.9379
11.1184
10.3797
9.7122
9.1079
8.5595
8.0607
14.7179
13.5777
12.5611
11.6523
10.8378
10.1059
9.4466
8.8514
8.3126
15.5623
14.2919
13.1661
12.1657
11.2741
10.4773
9.7632
9.1216
8.5436
16.3983
14.9920
13.7535
12.6593
11.6896
10.8276
10.0591
9.3719
8.7556
17.2260
15.6785
14.3238
13.1339
12.0853
11.1581
10.3356
9.6036
8.9501
18.0456
16.3514
14.8775
13.5903
12.4622
11.4699
10.5940
9.8181
9.1285
18.8570
17.0112
15.4150
14.0292
12.8212
11.7641
10.8355
10.0168
9.2922
19.6604
17.6580
15.9369
14.4511
13.1630
12.0416
11.0612
10.2007
9.4424
20.4558
18.2922
16.4436
14.8568
13.4886
12.3034
11.2722
10.3711
9.5802
21.2434
18.9139
16.9355
15.2470
13.7986
12.5504
11.4693
10.5288
9.7066
22.0232
19.5235
17.4131
15.6221
14.0939
12.7834
11.6536
10.6748
9.8226
22.7952
20.1210
17.8768
15.9828
14.3752
13.0032
11.8258
10.8100
9.9290
23.5596
20.7069
18.3270
16.3296
14.6430
13.2105
11.9867
10.9352
10.0266
24.3164
21.2813
18.7641
16.6631
14.8981
13.4062
12.1371
11.0511
10.1161
25.0658
21.8444
19.1885
16.9837
15.1411
13.5907
12.2777
11.1584
10.1983
25.8077
22.3965
19.6004
17.2920
15.3725
13.7648
12.4090
11.2578
10.2737
26.5423
22.9377
20.0004
17.5885
15.5928
13.9291
12.5318
11.3498
10.3428
27.2696
23.4683
20.3888
17.8736
15.8027
14.0840
12.6466
11.4350
10.4062
27.9897
23.9886
20.7658
18.1476
16.0025
14.2302
12.7538
11.5139
10.4644
28.7027
24.4986
21.1318
18.4112
16.1929
14.3681
12.8540
11.5869
10.5178
29.4086
24.9986
21.4872
18.6646
16.3742
14.4982
12.9477
11.6546
10.5668
30.1075
25.4888
21.8323
18.9083
16.5469
14.6210
13.0352
11.7172
10.6118
30.7995
25.9695
22.1672
19.1426
16.7113
14.7368
13.1170
11.7752
10.6530
31.4847
26.4406
22.4925
19.3679
16.8679
14.8460
13.1935
11.8289
10.6908
32.1630
26.9026
22.8082
19.5845
17.0170
14.9491
13.2649
11.8786
10.7255
32.8347
27.3555
23.1148
19.7928
17.1591
15.0463
13.3317
11.9246
10.7574
33.4997
27.7995
23.4124
19.9931
17.2944
15.1380
13.3941
11.9672
10.7866
34.1581
28.2348
23.7014
20.1856
17.4232
15.2245
13.4524
12.0067
10.8134
34.8100
28.6616
23.9819
20.3708
17.5459
15.3062
13.5070
12.0432
10.8380
35.4555
29.0800
24.2543
20.5488
17.6628
15.3832
13.5579
12.0771
10.8605
36.0945
29.4902
24.5187
20.7200
17.7741
15.4558
13.6055
12.1084
10.8812
46
47
48
49
50
36.7272
29.8923
24.7754
20.8847
17.8801
15.5244
13.6500
12.1374
10.9002
37.3537
30.2866
25.0247
21.0429
17.9810
15.5890
13.6916
12.1643
10.9176
37.9740
30.6731
25.2667
21.1951
18.0772
15.6500
13.7305
12.1891
10.9336
38.5881
31.0521
25.5017
21.3415
18.1687
15.7076
13.7668
12.2122
10.9482
39.1961
31.4236
25.7298
21.4822
18.2559
15.7619
13.8007
12.2335
10.9617
A UNA ANUALIDAD
4
10%
PVIFA=
11%
12%
(1/i)*(1-(1/(1+i)^n))
13%
14%
15%
16%
17%
18%
19%
20%
0.9091
0.9009
0.8929
0.8850
0.8772
0.8696
0.8621
0.8547
0.8475
0.8403
0.8333
1.7355
1.7125
1.6901
1.6681
1.6467
1.6257
1.6052
1.5852
1.5656
1.5465
1.5278
2.4869
2.4437
2.4018
2.3612
2.3216
2.2832
2.2459
2.2096
2.1743
2.1399
2.1065
3.1699
3.1024
3.0373
2.9745
2.9137
2.8550
2.7982
2.7432
2.6901
2.6386
2.5887
3.7908
3.6959
3.6048
3.5172
3.4331
3.3522
3.2743
3.1993
3.1272
3.0576
2.9906
4.3553
4.2305
4.1114
3.9975
3.8887
3.7845
3.6847
3.5892
3.4976
3.4098
3.3255
4.8684
4.7122
4.5638
4.4226
4.2883
4.1604
4.0386
3.9224
3.8115
3.7057
3.6046
5.3349
5.1461
4.9676
4.7988
4.6389
4.4873
4.3436
4.2072
4.0776
3.9544
3.8372
5.7590
5.5370
5.3282
5.1317
4.9464
4.7716
4.6065
4.4506
4.3030
4.1633
4.0310
6.1446
5.8892
5.6502
5.4262
5.2161
5.0188
4.8332
4.6586
4.4941
4.3389
4.1925
6.4951
6.2065
5.9377
5.6869
5.4527
5.2337
5.0286
4.8364
4.6560
4.4865
4.3271
6.8137
6.4924
6.1944
5.9176
5.6603
5.4206
5.1971
4.9884
4.7932
4.6105
4.4392
7.1034
6.7499
6.4235
6.1218
5.8424
5.5831
5.3423
5.1183
4.9095
4.7147
4.5327
7.3667
6.9819
6.6282
6.3025
6.0021
5.7245
5.4675
5.2293
5.0081
4.8023
4.6106
7.6061
7.1909
6.8109
6.4624
6.1422
5.8474
5.5755
5.3242
5.0916
4.8759
4.6755
7.8237
7.3792
6.9740
6.6039
6.2651
5.9542
5.6685
5.4053
5.1624
4.9377
4.7296
8.0216
7.5488
7.1196
6.7291
6.3729
6.0472
5.7487
5.4746
5.2223
4.9897
4.7746
8.2014
7.7016
7.2497
6.8399
6.4674
6.1280
5.8178
5.5339
5.2732
5.0333
4.8122
8.3649
7.8393
7.3658
6.9380
6.5504
6.1982
5.8775
5.5845
5.3162
5.0700
4.8435
8.5136
7.9633
7.4694
7.0248
6.6231
6.2593
5.9288
5.6278
5.3527
5.1009
4.8696
8.6487
8.0751
7.5620
7.1016
6.6870
6.3125
5.9731
5.6648
5.3837
5.1268
4.8913
8.7715
8.1757
7.6446
7.1695
6.7429
6.3587
6.0113
5.6964
5.4099
5.1486
4.9094
8.8832
8.2664
7.7184
7.2297
6.7921
6.3988
6.0442
5.7234
5.4321
5.1668
4.9245
8.9847
8.3481
7.7843
7.2829
6.8351
6.4338
6.0726
5.7465
5.4509
5.1822
4.9371
9.0770
8.4217
7.8431
7.3300
6.8729
6.4641
6.0971
5.7662
5.4669
5.1951
4.9476
9.1609
8.4881
7.8957
7.3717
6.9061
6.4906
6.1182
5.7831
5.4804
5.2060
4.9563
9.2372
8.5478
7.9426
7.4086
6.9352
6.5135
6.1364
5.7975
5.4919
5.2151
4.9636
9.3066
8.6016
7.9844
7.4412
6.9607
6.5335
6.1520
5.8099
5.5016
5.2228
4.9697
9.3696
8.6501
8.0218
7.4701
6.9830
6.5509
6.1656
5.8204
5.5098
5.2292
4.9747
9.4269
8.6938
8.0552
7.4957
7.0027
6.5660
6.1772
5.8294
5.5168
5.2347
4.9789
9.4790
8.7331
8.0850
7.5183
7.0199
6.5791
6.1872
5.8371
5.5227
5.2392
4.9824
9.5264
8.7686
8.1116
7.5383
7.0350
6.5905
6.1959
5.8437
5.5277
5.2430
4.9854
9.5694
8.8005
8.1354
7.5560
7.0482
6.6005
6.2034
5.8493
5.5320
5.2462
4.9878
9.6086
8.8293
8.1566
7.5717
7.0599
6.6091
6.2098
5.8541
5.5356
5.2489
4.9898
9.6442
8.8552
8.1755
7.5856
7.0700
6.6166
6.2153
5.8582
5.5386
5.2512
4.9915
9.6765
8.8786
8.1924
7.5979
7.0790
6.6231
6.2201
5.8617
5.5412
5.2531
4.9929
9.7059
8.8996
8.2075
7.6087
7.0868
6.6288
6.2242
5.8647
5.5434
5.2547
4.9941
9.7327
8.9186
8.2210
7.6183
7.0937
6.6338
6.2278
5.8673
5.5452
5.2561
4.9951
9.7570
8.9357
8.2330
7.6268
7.0997
6.6380
6.2309
5.8695
5.5468
5.2572
4.9959
9.7791
8.9511
8.2438
7.6344
7.1050
6.6418
6.2335
5.8713
5.5482
5.2582
4.9966
9.7991
8.9649
8.2534
7.6410
7.1097
6.6450
6.2358
5.8729
5.5493
5.2590
4.9972
9.8174
8.9774
8.2619
7.6469
7.1138
6.6478
6.2377
5.8743
5.5502
5.2596
4.9976
9.8340
8.9886
8.2696
7.6522
7.1173
6.6503
6.2394
5.8755
5.5510
5.2602
4.9980
9.8491
8.9988
8.2764
7.6568
7.1205
6.6524
6.2409
5.8765
5.5517
5.2607
4.9984
9.8628
9.0079
8.2825
7.6609
7.1232
6.6543
6.2421
5.8773
5.5523
5.2611
4.9986
9.8753
9.0161
8.2880
7.6645
7.1256
6.6559
6.2432
5.8781
5.5528
5.2614
4.9989
9.8866
9.0235
8.2928
7.6677
7.1277
6.6573
6.2442
5.8787
5.5532
5.2617
4.9991
9.8969
9.0302
8.2972
7.6705
7.1296
6.6585
6.2450
5.8792
5.5536
5.2619
4.9992
9.9063
9.0362
8.3010
7.6730
7.1312
6.6596
6.2457
5.8797
5.5539
5.2621
4.9993
9.9148
9.0417
8.3045
7.6752
7.1327
6.6605
6.2463
5.8801
5.5541
5.2623
4.9995
21%
22%
23%
24%
25%
26%
27%
28%
0.8264
0.8197
0.8130
0.8065
0.8000
0.7937
0.7874
0.7813
1.5095
1.4915
1.4740
1.4568
1.4400
1.4235
1.4074
1.3916
2.0739
2.0422
2.0114
1.9813
1.9520
1.9234
1.8956
1.8684
2.5404
2.4936
2.4483
2.4043
2.3616
2.3202
2.2800
2.2410
2.9260
2.8636
2.8035
2.7454
2.6893
2.6351
2.5827
2.5320
3.2446
3.1669
3.0923
3.0205
2.9514
2.8850
2.8210
2.7594
3.5079
3.4155
3.3270
3.2423
3.1611
3.0833
3.0087
2.9370
3.7256
3.6193
3.5179
3.4212
3.3289
3.2407
3.1564
3.0758
3.9054
3.7863
3.6731
3.5655
3.4631
3.3657
3.2728
3.1842
4.0541
3.9232
3.7993
3.6819
3.5705
3.4648
3.3644
3.2689
4.1769
4.0354
3.9018
3.7757
3.6564
3.5435
3.4365
3.3351
4.2784
4.1274
3.9852
3.8514
3.7251
3.6059
3.4933
3.3868
4.3624
4.2028
4.0530
3.9124
3.7801
3.6555
3.5381
3.4272
4.4317
4.2646
4.1082
3.9616
3.8241
3.6949
3.5733
3.4587
4.4890
4.3152
4.1530
4.0013
3.8593
3.7261
3.6010
3.4834
4.5364
4.3567
4.1894
4.0333
3.8874
3.7509
3.6228
3.5026
4.5755
4.3908
4.2190
4.0591
3.9099
3.7705
3.6400
3.5177
4.6079
4.4187
4.2431
4.0799
3.9279
3.7861
3.6536
3.5294
4.6346
4.4415
4.2627
4.0967
3.9424
3.7985
3.6642
3.5386
4.6567
4.4603
4.2786
4.1103
3.9539
3.8083
3.6726
3.5458
4.6750
4.4756
4.2916
4.1212
3.9631
3.8161
3.6792
3.5514
4.6900
4.4882
4.3021
4.1300
3.9705
3.8223
3.6844
3.5558
4.7025
4.4985
4.3106
4.1371
3.9764
3.8273
3.6885
3.5592
4.7128
4.5070
4.3176
4.1428
3.9811
3.8312
3.6918
3.5619
4.7213
4.5139
4.3232
4.1474
3.9849
3.8342
3.6943
3.5640
4.7284
4.5196
4.3278
4.1511
3.9879
3.8367
3.6963
3.5656
4.7342
4.5243
4.3316
4.1542
3.9903
3.8387
3.6979
3.5669
4.7390
4.5281
4.3346
4.1566
3.9923
3.8402
3.6991
3.5679
4.7430
4.5312
4.3371
4.1585
3.9938
3.8414
3.7001
3.5687
4.7463
4.5338
4.3391
4.1601
3.9950
3.8424
3.7009
3.5693
4.7490
4.5359
4.3407
4.1614
3.9960
3.8432
3.7015
3.5697
4.7512
4.5376
4.3421
4.1624
3.9968
3.8438
3.7019
3.5701
4.7531
4.5390
4.3431
4.1632
3.9975
3.8443
3.7023
3.5704
4.7546
4.5402
4.3440
4.1639
3.9980
3.8447
3.7026
3.5706
4.7559
4.5411
4.3447
4.1644
3.9984
3.8450
3.7028
3.5708
4.7569
4.5419
4.3453
4.1649
3.9987
3.8452
3.7030
3.5709
4.7578
4.5426
4.3458
4.1652
3.9990
3.8454
3.7032
3.5710
4.7585
4.5431
4.3462
4.1655
3.9992
3.8456
3.7033
3.5711
4.7591
4.5435
4.3465
4.1657
3.9993
3.8457
3.7034
3.5712
4.7596
4.5439
4.3467
4.1659
3.9995
3.8458
3.7034
3.5712
4.7600
4.5441
4.3469
4.1661
3.9996
3.8459
3.7035
3.5713
4.7603
4.5444
4.3471
4.1662
3.9997
3.8459
3.7035
3.5713
4.7606
4.5446
4.3472
4.1663
3.9997
3.8460
3.7036
3.5713
4.7608
4.5447
4.3473
4.1663
3.9998
3.8460
3.7036
3.5714
4.7610
4.5449
4.3474
4.1664
3.9998
3.8460
3.7036
3.5714
4.7612
4.5450
4.3475
4.1665
3.9999
3.8461
3.7036
3.5714
4.7613
4.5451
4.3476
4.1665
3.9999
3.8461
3.7037
3.5714
4.7614
4.5451
4.3476
4.1665
3.9999
3.8461
3.7037
3.5714
4.7615
4.5452
4.3477
4.1666
3.9999
3.8461
3.7037
3.5714
4.7616
4.5452
4.3477
4.1666
3.9999
3.8461
3.7037
3.5714
29%
30%
31%
32%
33%
34%
35%
36%
0.7752
0.7692
0.7634
0.7576
0.7519
0.7463
0.7407
0.7353
1.3761
1.3609
1.3461
1.3315
1.3172
1.3032
1.2894
1.2760
1.8420
1.8161
1.7909
1.7663
1.7423
1.7188
1.6959
1.6735
2.2031
2.1662
2.1305
2.0957
2.0618
2.0290
1.9969
1.9658
2.4830
2.4356
2.3897
2.3452
2.3021
2.2604
2.2200
2.1807
2.7000
2.6427
2.5875
2.5342
2.4828
2.4331
2.3852
2.3388
2.8682
2.8021
2.7386
2.6775
2.6187
2.5620
2.5075
2.4550
2.9986
2.9247
2.8539
2.7860
2.7208
2.6582
2.5982
2.5404
3.0997
3.0190
2.9419
2.8681
2.7976
2.7300
2.6653
2.6033
3.1781
3.0915
3.0091
2.9304
2.8553
2.7836
2.7150
2.6495
3.2388
3.1473
3.0604
2.9776
2.8987
2.8236
2.7519
2.6834
3.2859
3.1903
3.0995
3.0133
2.9314
2.8534
2.7792
2.7084
3.3224
3.2233
3.1294
3.0404
2.9559
2.8757
2.7994
2.7268
3.3507
3.2487
3.1522
3.0609
2.9744
2.8923
2.8144
2.7403
3.3726
3.2682
3.1696
3.0764
2.9883
2.9047
2.8255
2.7502
3.3896
3.2832
3.1829
3.0882
2.9987
2.9140
2.8337
2.7575
3.4028
3.2948
3.1931
3.0971
3.0065
2.9209
2.8398
2.7629
3.4130
3.3037
3.2008
3.1039
3.0124
2.9260
2.8443
2.7668
3.4210
3.3105
3.2067
3.1090
3.0169
2.9299
2.8476
2.7697
3.4271
3.3158
3.2112
3.1129
3.0202
2.9327
2.8501
2.7718
3.4319
3.3198
3.2147
3.1158
3.0227
2.9349
2.8519
2.7734
3.4356
3.3230
3.2173
3.1180
3.0246
2.9365
2.8533
2.7746
3.4384
3.3254
3.2193
3.1197
3.0260
2.9377
2.8543
2.7754
3.4406
3.3272
3.2209
3.1210
3.0271
2.9386
2.8550
2.7760
3.4423
3.3286
3.2220
3.1220
3.0279
2.9392
2.8556
2.7765
3.4437
3.3297
3.2229
3.1227
3.0285
2.9397
2.8560
2.7768
3.4447
3.3305
3.2236
3.1233
3.0289
2.9401
2.8563
2.7771
3.4455
3.3312
3.2241
3.1237
3.0293
2.9404
2.8565
2.7773
3.4461
3.3317
3.2245
3.1240
3.0295
2.9406
2.8567
2.7774
3.4466
3.3321
3.2248
3.1242
3.0297
2.9407
2.8568
2.7775
3.4470
3.3324
3.2251
3.1244
3.0299
2.9408
2.8569
2.7776
3.4473
3.3326
3.2252
3.1246
3.0300
2.9409
2.8569
2.7776
3.4475
3.3328
3.2254
3.1247
3.0301
2.9410
2.8570
2.7777
3.4477
3.3329
3.2255
3.1248
3.0301
2.9410
2.8570
2.7777
3.4478
3.3330
3.2256
3.1248
3.0302
2.9411
2.8571
2.7777
3.4479
3.3331
3.2256
3.1249
3.0302
2.9411
2.8571
2.7777
3.4480
3.3331
3.2257
3.1249
3.0302
2.9411
2.8571
2.7777
3.4481
3.3332
3.2257
3.1249
3.0302
2.9411
2.8571
2.7778
3.4481
3.3332
3.2257
3.1249
3.0303
2.9411
2.8571
2.7778
3.4481
3.3332
3.2257
3.1250
3.0303
2.9412
2.8571
2.7778
3.4482
3.3333
3.2258
3.1250
3.0303
2.9412
2.8571
2.7778
3.4482
3.3333
3.2258
3.1250
3.0303
2.9412
2.8571
2.7778
3.4482
3.3333
3.2258
3.1250
3.0303
2.9412
2.8571
2.7778
3.4482
3.3333
3.2258
3.1250
3.0303
2.9412
2.8571
2.7778
3.4482
3.3333
3.2258
3.1250
3.0303
2.9412
2.8571
2.7778
3.4482
3.3333
3.2258
3.1250
3.0303
2.9412
2.8571
2.7778
3.4483
3.3333
3.2258
3.1250
3.0303
2.9412
2.8571
2.7778
3.4483
3.3333
3.2258
3.1250
3.0303
2.9412
2.8571
2.7778
3.4483
3.3333
3.2258
3.1250
3.0303
2.9412
2.8571
2.7778
3.4483
3.3333
3.2258
3.1250
3.0303
2.9412
2.8571
2.7778
37%
38%
39%
40%
41%
42%
43%
0.7299
0.7246
0.7194
0.7143
0.7092
0.7042
0.6993
1.2627
1.2497
1.2370
1.2245
1.2122
1.2002
1.1883
1.6516
1.6302
1.6093
1.5889
1.5689
1.5494
1.5303
1.9355
1.9060
1.8772
1.8492
1.8219
1.7954
1.7694
2.1427
2.1058
2.0699
2.0352
2.0014
1.9686
1.9367
2.2939
2.2506
2.2086
2.1680
2.1286
2.0905
2.0536
2.4043
2.3555
2.3083
2.2628
2.2189
2.1764
2.1354
2.4849
2.4315
2.3801
2.3306
2.2829
2.2369
2.1926
2.5437
2.4866
2.4317
2.3790
2.3283
2.2795
2.2326
2.5867
2.5265
2.4689
2.4136
2.3605
2.3095
2.2605
2.6180
2.5555
2.4956
2.4383
2.3833
2.3307
2.2801
2.6409
2.5764
2.5148
2.4559
2.3995
2.3455
2.2938
2.6576
2.5916
2.5286
2.4685
2.4110
2.3560
2.3033
2.6698
2.6026
2.5386
2.4775
2.4192
2.3634
2.3100
2.6787
2.6106
2.5457
2.4839
2.4249
2.3686
2.3147
2.6852
2.6164
2.5509
2.4885
2.4290
2.3722
2.3180
2.6899
2.6206
2.5546
2.4918
2.4319
2.3748
2.3203
2.6934
2.6236
2.5573
2.4941
2.4340
2.3766
2.3219
2.6959
2.6258
2.5592
2.4958
2.4355
2.3779
2.3230
2.6977
2.6274
2.5606
2.4970
2.4365
2.3788
2.3238
2.6991
2.6285
2.5616
2.4979
2.4372
2.3794
2.3243
2.7000
2.6294
2.5623
2.4985
2.4378
2.3799
2.3247
2.7008
2.6300
2.5628
2.4989
2.4381
2.3802
2.3250
2.7013
2.6304
2.5632
2.4992
2.4384
2.3804
2.3251
2.7017
2.6307
2.5634
2.4994
2.4386
2.3806
2.3253
2.7019
2.6310
2.5636
2.4996
2.4387
2.3807
2.3254
2.7022
2.6311
2.5637
2.4997
2.4388
2.3808
2.3254
2.7023
2.6313
2.5638
2.4998
2.4389
2.3808
2.3255
2.7024
2.6313
2.5639
2.4999
2.4389
2.3809
2.3255
2.7025
2.6314
2.5640
2.4999
2.4389
2.3809
2.3255
2.7025
2.6315
2.5640
2.4999
2.4390
2.3809
2.3255
2.7026
2.6315
2.5640
2.4999
2.4390
2.3809
2.3256
2.7026
2.6315
2.5641
2.5000
2.4390
2.3809
2.3256
2.7026
2.6315
2.5641
2.5000
2.4390
2.3809
2.3256
2.7027
2.6315
2.5641
2.5000
2.4390
2.3809
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3809
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3809
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3809
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3809
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
2.7027
2.6316
2.5641
2.5000
2.4390
2.3810
2.3256
44%
45%
46%
47%
48%
49%
50%
0.6944
0.6897
0.6849
0.6803
0.6757
0.6711
0.6667
1.1767
1.1653
1.1541
1.1430
1.1322
1.1216
1.1111
1.5116
1.4933
1.4754
1.4579
1.4407
1.4239
1.4074
1.7442
1.7195
1.6955
1.6720
1.6491
1.6268
1.6049
1.9057
1.8755
1.8462
1.8177
1.7899
1.7629
1.7366
2.0178
1.9831
1.9495
1.9168
1.8851
1.8543
1.8244
2.0957
2.0573
2.0202
1.9842
1.9494
1.9156
1.8829
2.1498
2.1085
2.0686
2.0301
1.9928
1.9568
1.9220
2.1874
2.1438
2.1018
2.0613
2.0222
1.9844
1.9480
2.2134
2.1681
2.1245
2.0825
2.0420
2.0030
1.9653
2.2316
2.1849
2.1401
2.0969
2.0554
2.0154
1.9769
2.2441
2.1965
2.1507
2.1068
2.0645
2.0238
1.9846
2.2529
2.2045
2.1580
2.1134
2.0706
2.0294
1.9897
2.2589
2.2100
2.1630
2.1180
2.0747
2.0331
1.9931
2.2632
2.2138
2.1665
2.1211
2.0775
2.0357
1.9954
2.2661
2.2164
2.1688
2.1232
2.0794
2.0374
1.9970
2.2681
2.2182
2.1704
2.1246
2.0807
2.0385
1.9980
2.2695
2.2195
2.1715
2.1256
2.0815
2.0393
1.9986
2.2705
2.2203
2.1723
2.1263
2.0821
2.0398
1.9991
2.2712
2.2209
2.1728
2.1267
2.0825
2.0401
1.9994
2.2717
2.2213
2.1731
2.1270
2.0828
2.0403
1.9996
2.2720
2.2216
2.1734
2.1272
2.0830
2.0405
1.9997
2.2722
2.2218
2.1736
2.1274
2.0831
2.0406
1.9998
2.2724
2.2219
2.1737
2.1275
2.0832
2.0407
1.9999
2.2725
2.2220
2.1737
2.1275
2.0832
2.0407
1.9999
2.2726
2.2221
2.1738
2.1276
2.0833
2.0408
1.9999
2.2726
2.2221
2.1738
2.1276
2.0833
2.0408
2.0000
2.2726
2.2222
2.1739
2.1276
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1276
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1276
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1276
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
2.2727
2.2222
2.1739
2.1277
2.0833
2.0408
2.0000
UNIVERSIDAD DE SAN MARTIN DE
VALOR DEL DINERO EN EL TIEMPO - CON TASAS DE INTERES C

1) VALOR FUTURO DE UNA CANTIDAD UNICA:
DATOS
VF
VP
d
TIEA = i
FORMULA
?
VF=
VP*(1+i)^(n/360)
1,000,000.00
90
10%
VF=
1,024,113.69
VF=
=$E$11*(1+$E$13)^($E$12/360)
2) VALOR PRESENTE DE UNA CANTIDAD UNICA:

DATOS
VF
VP
d
TIEA = i
FORMULA
^(n/360)
1,024,113.69
VP=
VF/(1+i)
?
90
10%
VP=
1,000,000.00
VP=
=$E$23/(1+$E$26)^($E$25/360)
3) VALOR FUTURO DE UNA CUOTA MENSUAL (CM) ORDINARIA:

DATOS
FORMULA
TIEm = im
TIEm = im
VFm
VPm
CM
n (cuotas mes)
TIEA = i
?
1,000,000.00
5
10%
(1+i)^(30/360) -1)
0.797414%
FVIFm=
VFm=
(1/im)*((1+im)^n -1)
FVIFm=
VFm=
5.08037981
5,080,379.81
FVIFm=
VFm=
=(1/$H$36)*((1+$H$36)^$E$40-1)
CM*FVIFm
=+$E$39*$H$40
4) VALOR PRESENTE DE UNA CUOTA MENSUAL (CM) ORDINARIA:
DATOS
FORMULA
TIEm = im
TIEm = im
VFm
VPm
CM
n (cuotas mes)
TIEA = i
?
1,000,000.00
5
10%
^(30/360)
(1+i)
-1)
0.797414%
^n
PVIFm=
VPm=
(1/im)*(1-(1/(1+im) ))
PVIFm=
VPm=
4.88257844
4,882,578.44
PVIFm=
VPm=
=(1/$H$53)*(1-(1/(1+$H$53)^$E$57))
CM*PVIFm
=+$E$56*$H$57
5) CUOTA MENSUAL (CM) ORDINARIA DADO UN VALOR FUTURO:

DATOS
FORMULA
TIEm = im
TIEm = im
VFm
VPm
CM
n (cuotas mes)
TIEA = i
5,080,379.81
?
5
10%
^(30/360)
(1+i)
-1)
0.797414%
CMFm=
CM=
im/((1+im)^n -1)
CMFm=
CM=
0.19683568
1,000,000.00
CMFm=
CM=
=$H$70/((1+$H$70)^$E$91-1)
VFm*CMFm
=+$E$89*$H$91
6) CUOTA MENSUAL (CM) ORDINARIA DADO UN VALOR PRESENTE - VER "CRON

DATOS
FORMULA
TIEm = im
TIEm = im
VFm
VPm
CM
n (cuotas mes)
TIEA = i
4,882,578.44
?
5
10%
(1+i)^(30/360) -1)
0.797414%
CMFm=
CM=
im/(1-(1/(1+im)^n))
CMFm=
CM=
0.20480982
1,000,000.00
CMFm=
CM=
=$H$87/(1-(1/(1+$H$87)^$E$91))
VPm*CMFm
=+$E$89*$H$91
7) VALOR FUTURO DE UNA SERIE COMBINADA:

DATOS
VF
FORMULA
CALCULO VF PARA CADA FLUJO:
?
n (cuotas mes)
TIEA = i
n (cuotas mes)
1
2
3
4
5
VP*(1+i)^(n/360)
VF=
5.00
8%
FLUJO
FLUJO
n (cuotas mes)
11,500.00
14,000.00
12,900.00
16,000.00
18,000.00
1
2
3
4
5
11,798.83
14,271.97
13,066.53
16,102.94
18,000.00
73,240.28
VF=
1
=$E$76*(1+$E$72)^($E$71-$D$76)
=$E$77*(1+$E$72)^($E$71-$D$77)
=$E$78*(1+$E$72)^($E$71-$D$78)
=$E$79*(1+$E$72)^($E$71-$D$79)
=$E$80*(1+$E$72)^($E$71-$D$80)
VF=
=SUMA($H$76:$H$80)
8) VALOR PRESENTE DE UNA SERIE COMBINADA:

DATOS
FORMULA
CALCULO VF PARA CADA FLUJO:
VF/(1+i)^(n/360)
VP=
VP
N
i
5.00
9%
n (cuotas mes)
1
2
3
4
5
FLUJO
n (cuotas mes)
11,500.00
14,000.00
12,900.00
16,000.00
18,000.00
1
2
3
4
5
VP=
FLUJO
11,417.71
13,800.36
12,625.05
15,546.92
17,365.13
70,755.17
=$E$141/(1+$E$137)^(($D$141*30)/360)
=$E$142/(1+$E$137)^(($D$142*30)/360)
=$E$143/(1+$E$137)^(($D$143*30)/360)
=$E$144/(1+$E$137)^(($D$144*30)/360)
=$E$145/(1+$E$137)^(($D$145*30)/360)
VP=
=SUMA($H$141:$H$145)
UNIVERSIDAD DE SAN MARTIN DE
SIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
TASAS DE INTERES CAPITALIZACION DIARIA Y MENSUAL
INARIA:
FUNCIONES DE EXCEL
VF=
(1+i)^(n/360) -1
0.026479%
1,024,113.69
VF=
=VF($K$10,$E$12,0,-$E$11,0)
TIEd = id
TIEd = id
TABLAS
TABLA
D-5
FIVFd
VF=
1.02411369
1,024,113.69
VF=
=+$E$11*$N$11
FUNCIONES DE EXCEL
TIEd = id
^(n/360)
VP=
(1+i)
-1
0.026479%
1,000,000.00
VP=
=VA($K$23,$E$25,0,-$E$23,0)
TIEd = id
TABLAS
TABLA
D-6
FIVPd
VP=
0.97645409
1,000,000.00
VP=
=+$E$23*$N$24
FUNCIONES DE EXCEL
TIEm = im
TIEm = im
TABLAS
^(30/360)
(1+i)
-1)
0.797414%
TABLA
FVIFm=
D-7
5.08037981
VFm=
5,080,379.81
VFm=
5,080,379.81
VFm=
=VF($K$36,$E$40,-$E$39,0,0)
VFm=
=+$E$39*$N$38
FUNCIONES DE EXCEL
TIEm = im
TIEm = im
TABLAS
^(30/360)
(1+i)
-1)
0.797414%
TABLA
PVIFA
D-8
4.88257845
VPm=
4,882,578.44
VPm=
4,882,578.45
VPm=
=VA($K$53,$E$57,-$E$56,0,0)
VPm=
=+$E$56*$N$55
FUTURO:
FUNCIONES DE EXCEL
TIEm = im
TIEm = im
TABLAS
^(30/360)
(1+i)
-1)
0.797414%
TABLA
CMFm=
D-9
0.19683568
CM =
1,000,000.00
CM=
1,000,000.01
CM =
=PAGO($K$70,$E$74,,-$E$71,0)
CM=
=+$E$71*$N$72
PRESENTE - VER "CRONOGRAMA"

FUNCIONES DE EXCEL
TIEm = im
TIEm = im
TABLAS
^(30/360)
(1+i)
-1)
0.797414%
TABLA
CMFm=
D-10
0.20480982
CM =
1,000,000.00
CM=
1,000,000.01
CM =
=PAGO($K$87,$E$91,-$E$89,,0)
CM=
=+$E$89*$N$89
FUNCIONES DE EXCEL
TIEm = im
TIEm = im
(1+i)^(30/360) -1)
0.643403%
TABLAS
TABLA
FIVF(120)
FIVF(90)
FIVF(60)
FIVF(30)
FIVF(0)
D-5
1.02598557
1.01942655
1.01290946
1.00643403
1.00000000
VF=
73,240.28
VF=
=-VF($K$105,$E$107,0,VNA($K$105,$E$112:$E$116))
VF1=
VF2=
VF3=
VF4=
VF5=
VF=
11,798.83
14,271.97
13,066.53
16,102.94
18,000.00
73,240.28
VF1=
=+$E$112*$N$105
VF2=
=+$E$113*$N$106
VF3=
=+$E$114*$N$107
VF4=
=+$E$115*$N$108
VF5=
=+$E$116*$N$109
VF=
=SUMA($N$112:$N$116)
FUNCIONES DE EXCEL
TIEm = im
TIEm = im
(1+i)^(30/360) -1)
0.720732%
TABLAS
TABLA
FIVP(30)
FIVP(60)
FIVP(90)
FIVP(120)
FIVP(150)
VP=
70,755.17
FLUJO
VP1=
VP2=
VP3=
VP4=
VP5=
VP=
D-6
0.99284425
0.98573971
0.97868600
0.97168277
0.96472965
FLUJO
11,417.71
13,800.36
12,625.05
15,546.92
17,365.13
70,755.17
VP=
=VNA($K$134,$E$141:$E$145)
VP1=
=+$E$141*$N$134
VP2=
=+$E$142*$N$135
VP3=
=+$E$143*$N$136
VP4=
=+$E$144*$N$137
VP5=
=+$E$145*$N$138
VP=
=SUMA($N$141:$N$145)
SIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
UNIVERSIDAD DE SAN MARTIN DE POR
6) CRONOGRAMA DE PAGOS DE UN PRESTAMO

DATOS
FORMULA
TIEm = im
TIEm = im
VFm
VPm
CM
n (cuotas mes)
TIEA = i
4,882,578.44
?
5
10.00%
^(30/360)
(1+i)
-1)
0.797414%
VPm
VALOR PRESENTE DEL PREST
CM
CUOTA MENSUAL ORDINAR
^n
n
TIEA
TIEm
TOT
DIAS
NRO CUOTAS MENSUALES P
CMFm=
CM=
im/(1-(1/(1+im) ))
CMFm=
CM=
0.20480982
1,000,000.00
VPm*CMFm
TASA DE INTERES EFECTIVA

TASA DE INTERES EFECTIVA
SUMA NOMINAL DE PAGOS
DIA DE PAGO DE CADA CUO
CRONOG
VPm
n (cuotas mes)
TIEA = i
cuota
TOT->>
Dias
0
1
2
3
4
5
0
30
60
90
120
150
SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
NOMENCLATURA
VALOR PRESENTE DEL PRESTAMO
CUOTA MENSUAL ORDINARIA (FIN DE MES) POR PAGAR (INCLUYE PRINCIPAL + INTERES)
NRO CUOTAS MENSUALES POR PAGAR (rango del modelo: 01-60 cuotas)
TASA DE INTERES EFECTIVA ANUAL (con capitalizacin diaria)
TASA DE INTERES EFECTIVA MENSUAL (con capitalizacin diaria)
SUMA NOMINAL DE PAGOS POR EFECTUAR (amortizacin, inters, cuotas)
DIA DE PAGO DE CADA CUOTA (contados desde el desembolso: 0)
CRONOGRAMA DE PAGOS DE UN PRESTAMO

4,882,578.44
5
10.00%
Saldo
4,882,578.44
4,882,578.44
3,921,512.81
2,952,783.50
1,976,329.41
992,088.94
Amortiz
4,882,578.44
961,065.63
968,729.31
976,454.09
984,240.47
992,088.94
CM=
1,000,000.00
TIEm = im
0.797414%
Inters
117,421.56
38,934.37
31,270.69
23,545.91
15,759.53
7,911.06
Cuota
5,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
Saldo
4,882,578.44
3,921,512.81
2,952,783.50
1,976,329.41
992,088.94
0.00
TABLA D-5 FACTOR DE INTERES (DIA) DEL VALOR FUTURO:

n=
i =
DIAS
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
1%
DIAS
TIEA (TASA DE INTERES EFECTIVA ANUAL)
2%
3%
4%
5%
6%
7%
1.00002764
1.00005501
1.00008211
1.00010895
1.00013554
1.00016187
1.00018796
1.00005528
1.00011002
1.00016423
1.00021792
1.00027109
1.00032377
1.00037595
1.00008292
1.00016504
1.00024635
1.00032689
1.00040667
1.00048569
1.00056398
1.00011057
1.00022005
1.00032849
1.00043588
1.00054226
1.00064764
1.00075205
1.00013821
1.00027507
1.00041062
1.00054488
1.00067787
1.00080962
1.00094015
1.00016585
1.00033010
1.00049277
1.00065389
1.00081350
1.00097162
1.00112828
1.00019350
1.00038513
1.00057492
1.00076292
1.00094915
1.00113365
1.00131645
1.00022114
1.00044016
1.00065708
1.00087195
1.00108481
1.00129570
1.00150466
1.00024879
1.00049519
1.00073924
1.00098100
1.00122050
1.00145778
1.00169290
1.00027644
1.00055022
1.00082142
1.00109006
1.00135620
1.00161989
1.00188117
1.00030408
1.00060526
1.00090359
1.00119913
1.00149192
1.00178202
1.00206949
1.00033173
1.00066031
1.00098578
1.00130821
1.00162766
1.00194418
1.00225783
1.00035938
1.00071535
1.00106797
1.00141731
1.00176342
1.00210637
1.00244622
1.00038703
1.00077040
1.00115017
1.00152641
1.00189920
1.00226858
1.00263463
1.00041468
1.00082545
1.00123238
1.00163553
1.00203499
1.00243082
1.00282309
1.00044233
1.00088050
1.00131459
1.00174466
1.00217080
1.00259309
1.00301158
1.00046999
1.00093556
1.00139681
1.00185381
1.00230664
1.00275538
1.00320010
1.00049764
1.00099062
1.00147903
1.00196296
1.00244249
1.00291769
1.00338866
1.00052529
1.00104569
1.00156127
1.00207213
1.00257835
1.00308004
1.00357726
1.00055295
1.00110075
1.00164350
1.00218130
1.00271424
1.00324241
1.00376589
1.00058060
1.00115582
1.00172575
1.00229049
1.00285015
1.00340480
1.00395455
1.00060826
1.00121089
1.00180800
1.00239970
1.00298607
1.00356723
1.00414325
1.00063592
1.00126597
1.00189026
1.00250891
1.00312201
1.00372967
1.00433199
1.00066358
1.00132105
1.00197253
1.00261814
1.00325797
1.00389215
1.00452076
1.00069123
1.00137613
1.00205480
1.00272737
1.00339395
1.00405465
1.00470957
1.00071889
1.00143121
1.00213708
1.00283662
1.00352995
1.00421718
1.00489842
1.00074655
1.00148630
1.00221937
1.00294588
1.00366597
1.00437973
1.00508730
1.00077421
1.00154139
1.00230166
1.00305516
1.00380200
1.00454231
1.00527621
1.00080188
1.00159648
1.00238396
1.00316444
1.00393805
1.00470492
1.00546516
1.00082954
1.00165158
1.00246627
1.00327374
1.00407412
1.00486755
1.00565415
1.00085720
1.00170668
1.00254858
1.00338305
1.00421021
1.00503021
1.00584317
1.00088487
1.00176178
1.00263090
1.00349237
1.00434632
1.00519290
1.00603222
1.00091253
1.00181689
1.00271323
1.00360170
1.00448245
1.00535561
1.00622132
1.00094020
1.00187200
1.00279556
1.00371105
1.00461859
1.00551834
1.00641044
1.00096786
1.00192711
1.00287791
1.00382040
1.00475476
1.00568111
1.00659961
1.00099553
1.00198222
1.00296025
1.00392977
1.00489094
1.00584390
1.00678881
1.00102320
1.00203734
1.00304261
1.00403915
1.00502714
1.00600672
1.00697804
1.00105086
1.00209246
1.00312497
1.00414855
1.00516336
1.00616956
1.00716731
1.00107853
1.00214759
1.00320734
1.00425795
1.00529959
1.00633243
1.00735661
1.00110620
1.00220271
1.00328971
1.00436737
1.00543585
1.00649533
1.00754596
1.00113387
1.00225784
1.00337209
1.00447679
1.00557212
1.00665825
1.00773533
1.00116155
1.00231298
1.00345448
1.00458623
1.00570842
1.00682120
1.00792474
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
75
90
105
120
135
150
165
180
195
210
225
240
255
270
285
300
315
330
345
360
390
420
450
480
510
540
570
600
630
1.00118922
1.00236811
1.00353687
1.00469569
1.00584473
1.00698417
1.00811419
1.00121689
1.00242325
1.00361928
1.00480515
1.00598106
1.00714718
1.00830368
1.00124457
1.00247839
1.00370168
1.00491463
1.00611741
1.00731020
1.00849320
1.00127224
1.00253354
1.00378410
1.00502411
1.00625377
1.00747326
1.00868275
1.00129992
1.00258869
1.00386652
1.00513361
1.00639016
1.00763634
1.00887234
1.00132759
1.00264384
1.00394895
1.00524313
1.00652656
1.00779945
1.00906197
1.00135527
1.00269899
1.00403139
1.00535265
1.00666298
1.00796258
1.00925163
1.00138295
1.00275415
1.00411383
1.00546218
1.00679942
1.00812574
1.00944133
1.00141062
1.00280931
1.00419628
1.00557173
1.00693588
1.00828893
1.00963106
1.00143830
1.00286447
1.00427873
1.00568129
1.00707236
1.00845214
1.00982083
1.00146598
1.00291964
1.00436120
1.00579086
1.00720886
1.00861538
1.01001063
1.00149366
1.00297481
1.00444366
1.00590045
1.00734537
1.00877864
1.01020047
1.00152135
1.00302998
1.00452614
1.00601004
1.00748190
1.00894194
1.01039035
1.00154903
1.00308516
1.00460862
1.00611965
1.00761845
1.00910526
1.01058026
1.00157671
1.00314034
1.00469111
1.00622927
1.00775502
1.00926860
1.01077020
1.00160439
1.00319552
1.00477361
1.00633890
1.00789161
1.00943197
1.01096019
1.00163208
1.00325070
1.00485611
1.00644854
1.00802822
1.00959537
1.01115021
1.00165976
1.00330589
1.00493862
1.00655820
1.00816485
1.00975879
1.01134026
1.00207514
1.00413407
1.00617708
1.00820446
1.01021645
1.01221334
1.01419536
1.00249068
1.00496293
1.00741707
1.00985341
1.01227223
1.01467385
1.01705853
1.00290640
1.00579248
1.00865859
1.01150505
1.01433220
1.01714034
1.01992977
1.00332228
1.00662271
1.00990163
1.01315940
1.01639636
1.01961282
1.02280912
1.00373834
1.00745363
1.01114621
1.01481646
1.01846471
1.02209132
1.02569660
1.00415458
1.00828523
1.01239232
1.01647622
1.02053728
1.02457584
1.02859223
1.00457098
1.00911752
1.01363997
1.01813870
1.02261407
1.02706640
1.03149604
1.00498756
1.00995049
1.01488916
1.01980390
1.02469508
1.02956301
1.03440804
1.00540431
1.01078416
1.01613988
1.02147183
1.02678032
1.03206570
1.03732827
1.00582124
1.01161851
1.01739215
1.02314248
1.02886981
1.03457446
1.04025674
1.00623833
1.01245355
1.01864596
1.02481586
1.03096355
1.03708933
1.04319347
1.00665560
1.01328928
1.01990131
1.02649198
1.03306155
1.03961031
1.04613850
1.00707305
1.01412570
1.02115821
1.02817084
1.03516383
1.04213741
1.04909184
1.00749066
1.01496281
1.02241666
1.02985245
1.03727037
1.04467066
1.05205352
1.00790845
1.01580061
1.02367666
1.03153680
1.03938121
1.04721007
1.05502356
1.00832642
1.01663910
1.02493822
1.03322391
1.04149634
1.04975565
1.05800198
1.00874455
1.01747829
1.02620133
1.03491379
1.04361578
1.05230742
1.06098881
1.00916286
1.01831816
1.02746599
1.03660642
1.04573953
1.05486539
1.06398408
1.00958134
1.01915874
1.02873222
1.03830182
1.04786760
1.05742958
1.06698780
1.01000000
1.02000000
1.03000000
1.04000000
1.05000000
1.06000000
1.07000000
1.01083783
1.02168461
1.03254026
1.04340469
1.05427783
1.06515960
1.07604994
1.01167636
1.02337201
1.03508678
1.04682052
1.05857309
1.07034432
1.08213408
1.01251559
1.02506219
1.03763958
1.05024754
1.06288585
1.07555428
1.08825262
1.01335551
1.02675516
1.04019868
1.05368578
1.06721617
1.08078959
1.09440576
1.01419612
1.02845093
1.04276409
1.05713527
1.07156415
1.08605039
1.10059369
1.01503744
1.03014950
1.04533583
1.06059606
1.07592983
1.09133679
1.10681661
1.01587945
1.03185088
1.04791391
1.06406817
1.08031330
1.09664893
1.11307471
1.01672216
1.03355506
1.05049835
1.06755166
1.08471463
1.10198693
1.11936819
1.01756557
1.03526207
1.05308916
1.07104654
1.08913389
1.10735090
1.12569727
660
690
720
1.01840968
1.03697188
1.05568636
1.07455287
1.09357116
1.11274099
1.13206212
1.01925449
1.03868453
1.05828997
1.07807068
1.09802650
1.11815731
1.13846296
1.02010000
1.04040000
1.06090000
1.08160000
1.10250000
1.12360000
1.14490000
FUTURO:
8%
FIVFd =
redondeo =
9%
8
10%
11%
12%
(1+i)^(n/360)
13%
14%
15%
16%
1.00021380
1.00023941
1.00026479
1.00028993
1.00031485
1.00033955
1.00036403
1.00038830
1.00041236
1.00042765
1.00047888
1.00052964
1.00057995
1.00062980
1.00067922
1.00072820
1.00077676
1.00082490
1.00064155
1.00071841
1.00079457
1.00087005
1.00094485
1.00101900
1.00109250
1.00116536
1.00123760
1.00085549
1.00095799
1.00105956
1.00116023
1.00126000
1.00135890
1.00145693
1.00155412
1.00165047
1.00106947
1.00119763
1.00132463
1.00145050
1.00157525
1.00169891
1.00182149
1.00194302
1.00206352
1.00128351
1.00143733
1.00158977
1.00174085
1.00189060
1.00203904
1.00218619
1.00233208
1.00247673
1.00149758
1.00167708
1.00185497
1.00203128
1.00220604
1.00237928
1.00255102
1.00272129
1.00289011
1.00171171
1.00191689
1.00212025
1.00232180
1.00252159
1.00271964
1.00291598
1.00311065
1.00330367
1.00192588
1.00215676
1.00238560
1.00261241
1.00283723
1.00306011
1.00328108
1.00350016
1.00371739
1.00214009
1.00239669
1.00265101
1.00290310
1.00315298
1.00340070
1.00364631
1.00388982
1.00413129
1.00235435
1.00263668
1.00291650
1.00319387
1.00346882
1.00374141
1.00401167
1.00427964
1.00454535
1.00256866
1.00287672
1.00318206
1.00348472
1.00378477
1.00408223
1.00437716
1.00466960
1.00495959
1.00278301
1.00311682
1.00344769
1.00377567
1.00410081
1.00442317
1.00474279
1.00505972
1.00537400
1.00299741
1.00335698
1.00371338
1.00406669
1.00441695
1.00476422
1.00510855
1.00544998
1.00578858
1.00321186
1.00359719
1.00397915
1.00435780
1.00473319
1.00510539
1.00547444
1.00584040
1.00620333
1.00342635
1.00383746
1.00424499
1.00464900
1.00504954
1.00544667
1.00584047
1.00623097
1.00661825
1.00364088
1.00407779
1.00451090
1.00494027
1.00536598
1.00578807
1.00620663
1.00662170
1.00703334
1.00385547
1.00431818
1.00477688
1.00523164
1.00568252
1.00612959
1.00657292
1.00701257
1.00744860
1.00407009
1.00455863
1.00504293
1.00552309
1.00599916
1.00647122
1.00693935
1.00740360
1.00786404
1.00428477
1.00479913
1.00530905
1.00581462
1.00631590
1.00681297
1.00730591
1.00779477
1.00827964
1.00449949
1.00503969
1.00557524
1.00610624
1.00663274
1.00715484
1.00767260
1.00818610
1.00869542
1.00471425
1.00528031
1.00584151
1.00639794
1.00694968
1.00749682
1.00803943
1.00857759
1.00911137
1.00492906
1.00552098
1.00610784
1.00668972
1.00726672
1.00783891
1.00840639
1.00896922
1.00952749
1.00514392
1.00576171
1.00637424
1.00698159
1.00758386
1.00818113
1.00877348
1.00936101
1.00994378
1.00535882
1.00600251
1.00664071
1.00727355
1.00790110
1.00852346
1.00914071
1.00975294
1.01036024
1.00557377
1.00624335
1.00690726
1.00756559
1.00821844
1.00886590
1.00950807
1.01014503
1.01077688
1.00578877
1.00648426
1.00717387
1.00785771
1.00853588
1.00920846
1.00987556
1.01053728
1.01119369
1.00600381
1.00672522
1.00744056
1.00814992
1.00885341
1.00955114
1.01024319
1.01092967
1.01161066
1.00621890
1.00696624
1.00770731
1.00844222
1.00917105
1.00989393
1.01061096
1.01132222
1.01202782
1.00643403
1.00720732
1.00797414
1.00873459
1.00948879
1.01023684
1.01097885
1.01171492
1.01244514
1.00664921
1.00744846
1.00824104
1.00902706
1.00980663
1.01057987
1.01134688
1.01210777
1.01286263
1.00686443
1.00768965
1.00850801
1.00931961
1.01012457
1.01092301
1.01171505
1.01250077
1.01328030
1.00707971
1.00793091
1.00877504
1.00961224
1.01044261
1.01126627
1.01208334
1.01289393
1.01369814
1.00729502
1.00817222
1.00904215
1.00990496
1.01076075
1.01160965
1.01245178
1.01328724
1.01411615
1.00751039
1.00841358
1.00930933
1.01019776
1.01107899
1.01195314
1.01282034
1.01368070
1.01453433
1.00772580
1.00865501
1.00957658
1.01049065
1.01139733
1.01229675
1.01318904
1.01407432
1.01495269
1.00794125
1.00889649
1.00984390
1.01078362
1.01171577
1.01264048
1.01355788
1.01446809
1.01537122
1.00815675
1.00913803
1.01011130
1.01107668
1.01203431
1.01298432
1.01392685
1.01486201
1.01578992
1.00837230
1.00937963
1.01037876
1.01136982
1.01235295
1.01332828
1.01429595
1.01525608
1.01620879
1.00858789
1.00962129
1.01064629
1.01166305
1.01267169
1.01367236
1.01466519
1.01565031
1.01662784
1.00880353
1.00986300
1.01091390
1.01195636
1.01299053
1.01401655
1.01503456
1.01604469
1.01704706
1.00901922
1.01010478
1.01118157
1.01224976
1.01330947
1.01436086
1.01540407
1.01643922
1.01746645
1.00923495
1.01034661
1.01144932
1.01254324
1.01362851
1.01470529
1.01577371
1.01683391
1.01788602
1.00945073
1.01058850
1.01171714
1.01283681
1.01394766
1.01504984
1.01614349
1.01722875
1.01830576
1.00966655
1.01083044
1.01198502
1.01313046
1.01426690
1.01539450
1.01651340
1.01762374
1.01872567
1.00988242
1.01107245
1.01225298
1.01342420
1.01458624
1.01573928
1.01688344
1.01801889
1.01914575
1.01009834
1.01131451
1.01252101
1.01371802
1.01490569
1.01608417
1.01725362
1.01841419
1.01956601
1.01031430
1.01155663
1.01278911
1.01401193
1.01522523
1.01642918
1.01762394
1.01880964
1.01998644
1.01053031
1.01179881
1.01305729
1.01430592
1.01554488
1.01677431
1.01799438
1.01920525
1.02040705
1.01074637
1.01204104
1.01332553
1.01460000
1.01586462
1.01711956
1.01836497
1.01960101
1.02082782
1.01096247
1.01228333
1.01359384
1.01489416
1.01618447
1.01746492
1.01873569
1.01999692
1.02124877
1.01117861
1.01252569
1.01386223
1.01518841
1.01650442
1.01781040
1.01910654
1.02039299
1.02166990
1.01139481
1.01276810
1.01413068
1.01548275
1.01682446
1.01815600
1.01947753
1.02078921
1.02209120
1.01161105
1.01301056
1.01439921
1.01577717
1.01714461
1.01850172
1.01984866
1.02118559
1.02251267
1.01182733
1.01325309
1.01466781
1.01607167
1.01746486
1.01884755
1.02021991
1.02158212
1.02293432
1.01204367
1.01349567
1.01493648
1.01636626
1.01778521
1.01919350
1.02059131
1.02197880
1.02335614
1.01226004
1.01373832
1.01520522
1.01666094
1.01810566
1.01953957
1.02096284
1.02237564
1.02377813
1.01247647
1.01398102
1.01547403
1.01695570
1.01842622
1.01988576
1.02133450
1.02277263
1.02420030
1.01269294
1.01422378
1.01574291
1.01725055
1.01874687
1.02023206
1.02170630
1.02316977
1.02462264
1.01290946
1.01446659
1.01601187
1.01754548
1.01906762
1.02057848
1.02207824
1.02356707
1.02504516
1.01616278
1.01811582
1.02005473
1.02197974
1.02389107
1.02578893
1.02767355
1.02954512
1.03140385
1.01942655
1.02177818
1.02411369
1.02643333
1.02873734
1.03102598
1.03329948
1.03555808
1.03780199
1.02270080
1.02545371
1.02818879
1.03090632
1.03360656
1.03628977
1.03895622
1.04160615
1.04423981
1.02598557
1.02914247
1.03228012
1.03539881
1.03849882
1.04158044
1.04464393
1.04768955
1.05071757
1.02928089
1.03284449
1.03638772
1.03991087
1.04341424
1.04689811
1.05036277
1.05380848
1.05723552
1.03258679
1.03655983
1.04051166
1.04444259
1.04835292
1.05224293
1.05611292
1.05996315
1.06379390
1.03590331
1.04028853
1.04465202
1.04899407
1.05331498
1.05761504
1.06189455
1.06615376
1.07039296
1.03923048
1.04403065
1.04880885
1.05356538
1.05830052
1.06301458
1.06770783
1.07238053
1.07703296
1.04256834
1.04778623
1.05298222
1.05815660
1.06330967
1.06844168
1.07355293
1.07864366
1.08371415
1.04591692
1.05155532
1.05717220
1.06276784
1.06834252
1.07389650
1.07943003
1.08494338
1.09043679
1.04927626
1.05533796
1.06137885
1.06739917
1.07339919
1.07937916
1.08533931
1.09127989
1.09720112
1.05264639
1.05913422
1.06560224
1.07205069
1.07847980
1.08488981
1.09128093
1.09765340
1.10400742
1.05602734
1.06294413
1.06984243
1.07672247
1.08358445
1.09042859
1.09725509
1.10406414
1.11085594
1.05941914
1.06676774
1.07409950
1.08141461
1.08871327
1.09599566
1.10326195
1.11051232
1.11774695
1.06282185
1.07060511
1.07837351
1.08612720
1.09386636
1.10159114
1.10930169
1.11699816
1.12468070
1.06623548
1.07445628
1.08266452
1.09086033
1.09904385
1.10721519
1.11537450
1.12352188
1.13165746
1.06966007
1.07832130
1.08697261
1.09561408
1.10424583
1.11286796
1.12148055
1.13008370
1.13867750
1.07309567
1.08220023
1.09129784
1.10038855
1.10947245
1.11854958
1.12762003
1.13668384
1.14574109
1.07654230
1.08609311
1.09564028
1.10518383
1.11472380
1.12426021
1.13379312
1.14332254
1.15284850
1.08000000
1.09000000
1.10000000
1.11000000
1.12000000
1.13000000
1.14000000
1.15000000
1.16000000
1.08694875
1.09785598
1.10877155
1.11969540
1.13062745
1.14156763
1.15251589
1.16347215
1.17443636
1.09394221
1.10576859
1.11761305
1.12947548
1.14135574
1.15325368
1.16516919
1.17710213
1.18905238
1.10098067
1.11373822
1.12652506
1.13934099
1.15218583
1.16505936
1.17796141
1.19089179
1.20385030
1.10806441
1.12176529
1.13550813
1.14929267
1.16311868
1.17698589
1.19089408
1.20484299
1.21883239
1.11519373
1.12985021
1.14456283
1.15933128
1.17415527
1.18903452
1.20396873
1.21895762
1.23400092
1.12236892
1.13799341
1.15368973
1.16945757
1.18529659
1.20120648
1.21718692
1.23323761
1.24935824
1.12959028
1.14619530
1.16288942
1.17967230
1.19654362
1.21350304
1.23055024
1.24768489
1.26490667
1.13685810
1.15445630
1.17216246
1.18997626
1.20789738
1.22592548
1.24406026
1.26230141
1.28064861
1.14417268
1.16277684
1.18150945
1.20037022
1.21935886
1.23847509
1.25771862
1.27708917
1.29658646
1.15153432
1.17115734
1.19093097
1.21085497
1.23092911
1.25115317
1.27152692
1.29205016
1.31272265
1.15894332
1.17959825
1.20042762
1.22143129
1.24260914
1.26396103
1.28548683
1.30718642
1.32905967
1.16640000
1.18810000
1.21000000
1.23210000
1.25440000
1.27690000
1.29960000
1.32250000
1.34560000
17%
18%
19%
20%
21%
22%
23%
24%
25%
1.00043622
1.00045987
1.00048332
1.00050658
1.00052964
1.00055252
1.00057520
1.00059771
1.00062004
1.00087262
1.00091995
1.00096687
1.00101341
1.00105956
1.00110534
1.00115074
1.00119578
1.00124046
1.00130922
1.00138024
1.00145066
1.00152050
1.00158977
1.00165846
1.00172661
1.00179420
1.00186126
1.00174601
1.00184074
1.00193468
1.00202785
1.00212025
1.00221190
1.00230280
1.00239299
1.00248245
1.00218299
1.00230146
1.00241894
1.00253545
1.00265101
1.00276563
1.00287933
1.00299213
1.00310402
1.00262016
1.00276238
1.00290343
1.00304331
1.00318206
1.00331968
1.00345620
1.00359162
1.00372598
1.00305752
1.00322352
1.00338815
1.00355143
1.00371338
1.00387403
1.00403339
1.00419148
1.00434833
1.00349507
1.00368487
1.00387311
1.00405981
1.00424499
1.00442869
1.00461091
1.00479170
1.00497106
1.00393281
1.00414643
1.00435830
1.00456844
1.00477688
1.00498365
1.00518877
1.00539227
1.00559418
1.00437074
1.00460821
1.00484373
1.00507733
1.00530905
1.00553892
1.00576696
1.00599320
1.00621768
1.00480886
1.00507020
1.00532939
1.00558648
1.00584151
1.00609449
1.00634548
1.00659450
1.00684157
1.00524718
1.00553240
1.00581529
1.00609589
1.00637424
1.00665038
1.00692434
1.00719615
1.00746585
1.00568568
1.00599481
1.00630142
1.00660556
1.00690726
1.00720657
1.00750352
1.00779816
1.00809051
1.00612438
1.00645743
1.00678778
1.00711548
1.00744056
1.00776307
1.00808304
1.00840053
1.00871557
1.00656327
1.00692027
1.00727439
1.00762566
1.00797414
1.00831987
1.00866290
1.00900326
1.00934101
1.00700235
1.00738332
1.00776122
1.00813610
1.00850801
1.00887698
1.00924309
1.00960635
1.00996683
1.00744162
1.00784658
1.00824829
1.00864680
1.00904215
1.00943441
1.00982361
1.01020981
1.01059305
1.00788108
1.00831006
1.00873560
1.00915776
1.00957658
1.00999213
1.01040446
1.01081362
1.01121965
1.00832074
1.00877375
1.00922314
1.00966897
1.01011130
1.01055017
1.01098565
1.01141779
1.01184664
1.00876058
1.00923765
1.00971092
1.01018045
1.01064629
1.01110852
1.01156718
1.01202233
1.01247402
1.00920062
1.00970177
1.01019893
1.01069218
1.01118157
1.01166717
1.01214903
1.01262722
1.01310179
1.00964085
1.01016610
1.01068718
1.01120417
1.01171714
1.01222613
1.01273123
1.01323248
1.01372995
1.01008127
1.01063064
1.01117567
1.01171643
1.01225298
1.01278540
1.01331375
1.01383810
1.01435850
1.01052189
1.01109540
1.01166439
1.01222894
1.01278911
1.01334498
1.01389662
1.01444408
1.01498744
1.01096269
1.01156037
1.01215335
1.01274171
1.01332553
1.01390487
1.01447982
1.01505042
1.01561677
1.01140369
1.01202555
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1.10338927
1.10656451
1.10972463
1.11286982
1.10108554
1.10471831
1.10833442
1.11193409
1.11551752
1.11908491
1.12263645
1.12617232
1.11173983
1.11577520
1.11979340
1.12379462
1.12777909
1.13174698
1.13569850
1.13963384
1.12249722
1.12694277
1.13137085
1.13578167
1.14017543
1.14455231
1.14891253
1.15325626
1.13335869
1.13822210
1.14306800
1.14789657
1.15270802
1.15750254
1.16228031
1.16704152
1.14432526
1.14961434
1.15488609
1.16014070
1.16537838
1.17059929
1.17580362
1.18099155
1.15539794
1.16112059
1.16682636
1.17251544
1.17818800
1.18384422
1.18948428
1.19510834
1.16657777
1.17274200
1.17889008
1.18502216
1.19113843
1.19723902
1.20332412
1.20939386
1.17786578
1.18447974
1.19107853
1.19766230
1.20423120
1.21078538
1.21732498
1.22385015
1.18926300
1.19633495
1.20339299
1.21043726
1.21746789
1.22448501
1.23148875
1.23847924
1.20077051
1.20830882
1.21583477
1.22334848
1.23085007
1.23833964
1.24581731
1.25328319
1.21238937
1.22040253
1.22840519
1.23639743
1.24437934
1.25235104
1.26031259
1.26826410
1.22412066
1.23261729
1.24110557
1.24958556
1.25805733
1.26652097
1.27497653
1.28342409
1.23596546
1.24495430
1.25393725
1.26291436
1.27188567
1.28085122
1.28981108
1.29876528
1.24792487
1.25741479
1.26690161
1.27638533
1.28586600
1.29534362
1.30481824
1.31428986
1.26000000
1.27000000
1.28000000
1.29000000
1.30000000
1.31000000
1.32000000
1.33000000
1.28450192
1.29554956
1.30660445
1.31766654
1.32873579
1.33981212
1.35089551
1.36198590
1.30948030
1.32161312
1.33376187
1.34592645
1.35810676
1.37030269
1.38251415
1.39474104
1.33494441
1.34820102
1.36148375
1.37479245
1.38812696
1.40148715
1.41487285
1.42828393
1.36090370
1.37532381
1.38978182
1.40427753
1.41881075
1.43338128
1.44798893
1.46263352
1.38736778
1.40299225
1.41866806
1.43439498
1.45017278
1.46600123
1.48188011
1.49780919
1.41434649
1.43121731
1.44815469
1.46515835
1.48222805
1.49936353
1.51656454
1.53383083
1.44184983
1.46001021
1.47825419
1.49658151
1.51499189
1.53348507
1.55206078
1.57071876
1.46988799
1.48938235
1.50897930
1.52867859
1.54847995
1.56838312
1.58838783
1.60849384
1.49847138
1.51934539
1.54034303
1.56146406
1.58270825
1.60407536
1.62556515
1.64717739
1.52761061
1.54991122
1.57235864
1.59495268
1.61769315
1.64057986
1.66361262
1.68679126
1.55731648
1.58109197
1.60503969
1.62915952
1.65345137
1.67791510
1.70255063
1.72735783
1.58760000
1.61290000
1.63840000
1.66410000
1.69000000
1.71610000
1.74240000
1.76890000
34%
35%
36%
37%
38%
39%
40%
41%
1.00081330
1.00083397
1.00085449
1.00087486
1.00089508
1.00091515
1.00093508
1.00095487
1.00162726
1.00166864
1.00170971
1.00175048
1.00179095
1.00183114
1.00187104
1.00191065
1.00244189
1.00250400
1.00256566
1.00262687
1.00268763
1.00274797
1.00280787
1.00286735
1.00325718
1.00334006
1.00342234
1.00350402
1.00358512
1.00366563
1.00374558
1.00382496
1.00407313
1.00417682
1.00427975
1.00438194
1.00448340
1.00458414
1.00468416
1.00478348
1.00488974
1.00501427
1.00513790
1.00526063
1.00538249
1.00550348
1.00562362
1.00574292
1.00570702
1.00585243
1.00599678
1.00614009
1.00628239
1.00642367
1.00656396
1.00670328
1.00652496
1.00669128
1.00685639
1.00702032
1.00718309
1.00734470
1.00750518
1.00766455
1.00734357
1.00753083
1.00771674
1.00790132
1.00808459
1.00826657
1.00844728
1.00862674
1.00816285
1.00837108
1.00857782
1.00878309
1.00898691
1.00918929
1.00939027
1.00958985
1.00898279
1.00921203
1.00943964
1.00966563
1.00989003
1.01011285
1.01033413
1.01055388
1.00980340
1.01005369
1.01030220
1.01054894
1.01079396
1.01103726
1.01127887
1.01151883
1.01062467
1.01089604
1.01116549
1.01143303
1.01169869
1.01196251
1.01222450
1.01248470
1.01144661
1.01173910
1.01202952
1.01231789
1.01260424
1.01288861
1.01317102
1.01345149
1.01226922
1.01258286
1.01289429
1.01320352
1.01351060
1.01381555
1.01411841
1.01441921
1.01309250
1.01342733
1.01375979
1.01408993
1.01441777
1.01474335
1.01506670
1.01538785
1.01391645
1.01427250
1.01462604
1.01497711
1.01532575
1.01567199
1.01601587
1.01635741
1.01474107
1.01511837
1.01549303
1.01586507
1.01623455
1.01660149
1.01696593
1.01732790
1.01556636
1.01596495
1.01636075
1.01675381
1.01714415
1.01753183
1.01791687
1.01829932
1.01639233
1.01681224
1.01722922
1.01764332
1.01805458
1.01846302
1.01886871
1.01927166
1.01721896
1.01766023
1.01809843
1.01853361
1.01896581
1.01939507
1.01982143
1.02024494
1.01804627
1.01850893
1.01896839
1.01942469
1.01987787
1.02032797
1.02077505
1.02121914
1.01887425
1.01935834
1.01983909
1.02031654
1.02079073
1.02126173
1.02172956
1.02219427
1.01970290
1.02020845
1.02071053
1.02120917
1.02170442
1.02219634
1.02268496
1.02317034
1.02053222
1.02105928
1.02158271
1.02210258
1.02261892
1.02313180
1.02364125
1.02414733
1.02136222
1.02191081
1.02245564
1.02299677
1.02353425
1.02406812
1.02459844
1.02512526
1.02219290
1.02276306
1.02332932
1.02389175
1.02445039
1.02500530
1.02555653
1.02610412
1.02302425
1.02361601
1.02420375
1.02478751
1.02536735
1.02594333
1.02651551
1.02708392
1.02385628
1.02446968
1.02507892
1.02568405
1.02628513
1.02688223
1.02747538
1.02806466
1.02468898
1.02532406
1.02595483
1.02658137
1.02720374
1.02782198
1.02843616
1.02904633
1.02552236
1.02617915
1.02683150
1.02747949
1.02812316
1.02876259
1.02939783
1.03002893
1.02635642
1.02703495
1.02770892
1.02837838
1.02904341
1.02970406
1.03036040
1.03101248
1.02719116
1.02789147
1.02858708
1.02927807
1.02996448
1.03064640
1.03132387
1.03199696
1.02802658
1.02874870
1.02946600
1.03017854
1.03088638
1.03158960
1.03228824
1.03298239
1.02886267
1.02960665
1.03034567
1.03107980
1.03180910
1.03253366
1.03325352
1.03396875
1.02969945
1.03046531
1.03122609
1.03198184
1.03273265
1.03347858
1.03421969
1.03495606
1.03053690
1.03132469
1.03210726
1.03288468
1.03365703
1.03442437
1.03518677
1.03594431
1.03137504
1.03218479
1.03298918
1.03378831
1.03458223
1.03537102
1.03615476
1.03693350
1.03221386
1.03304560
1.03387186
1.03469272
1.03550826
1.03631855
1.03712365
1.03792364
1.03305336
1.03390713
1.03475529
1.03559793
1.03643512
1.03726693
1.03809344
1.03891472
1.03389355
1.03476938
1.03563948
1.03650393
1.03736281
1.03821619
1.03906415
1.03990675
1.03473441
1.03563235
1.03652442
1.03741072
1.03829133
1.03916631
1.04003576
1.04089973
1.03557596
1.03649603
1.03741012
1.03831831
1.03922068
1.04011731
1.04100828
1.04189366
1.03641820
1.03736044
1.03829658
1.03922669
1.04015086
1.04106917
1.04198170
1.04288853
1.03726112
1.03822557
1.03918379
1.04013586
1.04108188
1.04202191
1.04295604
1.04388436
1.03810473
1.03909142
1.04007176
1.04104583
1.04201372
1.04297552
1.04393129
1.04488113
1.03894902
1.03995799
1.04096049
1.04195660
1.04294641
1.04393000
1.04490745
1.04587886
1.03979400
1.04082529
1.04184998
1.04286816
1.04387992
1.04488535
1.04588453
1.04687754
1.04063966
1.04169331
1.04274023
1.04378052
1.04481428
1.04584158
1.04686251
1.04787717
1.04148602
1.04256205
1.04363124
1.04469368
1.04574946
1.04679868
1.04784142
1.04887776
1.04233306
1.04343152
1.04452301
1.04560764
1.04668549
1.04775666
1.04882123
1.04987930
1.04318079
1.04430171
1.04541554
1.04652239
1.04762235
1.04871552
1.04980197
1.05088180
1.04402921
1.04517263
1.04630884
1.04743795
1.04856006
1.04967525
1.05078362
1.05188526
1.04487832
1.04604427
1.04720290
1.04835431
1.04949860
1.05063586
1.05176619
1.05288968
1.04572813
1.04691664
1.04809772
1.04927147
1.05043798
1.05159735
1.05274968
1.05389505
1.04657862
1.04778974
1.04899331
1.05018943
1.05137820
1.05255972
1.05373408
1.05490138
1.04742980
1.04866357
1.04988966
1.05110820
1.05231927
1.05352297
1.05471941
1.05590868
1.04828168
1.04953812
1.05078678
1.05202777
1.05326117
1.05448711
1.05570566
1.05691694
1.04913425
1.05041341
1.05168467
1.05294814
1.05420392
1.05545212
1.05669283
1.05792616
1.04998751
1.05128942
1.05258332
1.05386932
1.05514752
1.05641802
1.05768093
1.05893634
1.06287004
1.06451765
1.06615563
1.06778410
1.06940319
1.07101302
1.07261370
1.07420536
1.07591063
1.07791234
1.07990295
1.08188261
1.08385147
1.08580966
1.08775731
1.08969455
1.08911122
1.09147556
1.09382753
1.09616727
1.09849496
1.10081072
1.10311471
1.10540708
1.10247377
1.10520945
1.10793165
1.11064054
1.11333628
1.11601903
1.11868894
1.12134617
1.11600027
1.11911615
1.12221764
1.12530491
1.12837812
1.13143745
1.13448305
1.13751509
1.12969273
1.13319784
1.13668783
1.14016289
1.14362319
1.14706889
1.15050016
1.15391716
1.14355318
1.14745671
1.15134461
1.15521706
1.15907422
1.16291628
1.16674339
1.17055572
1.15758369
1.16189500
1.16619038
1.17046999
1.17473401
1.17898261
1.18321596
1.18743421
1.17178634
1.17651497
1.18122757
1.18592432
1.19060537
1.19527091
1.19992109
1.20455607
1.18616325
1.19131890
1.19645866
1.20158269
1.20669117
1.21178424
1.21686207
1.22192481
1.20071656
1.20630910
1.21188614
1.21744781
1.22299429
1.22852571
1.23404223
1.23954399
1.21544842
1.22148793
1.22751254
1.23352241
1.23951768
1.24549848
1.25146495
1.25741723
1.23036103
1.23685774
1.24334044
1.24980925
1.25626430
1.26270573
1.26913365
1.27554819
1.24545660
1.25242096
1.25937243
1.26631113
1.27323719
1.28015071
1.28705180
1.29394058
1.26073739
1.26818000
1.27561114
1.28303090
1.29043939
1.29783670
1.30522293
1.31259818
1.27620566
1.28413734
1.29205923
1.29997142
1.30787400
1.31576703
1.32365061
1.33152480
1.29186371
1.30029546
1.30871941
1.31713562
1.32554416
1.33394508
1.34233845
1.35072433
1.30771388
1.31665691
1.32559442
1.33452645
1.34345306
1.35237427
1.36129014
1.37020070
1.32375851
1.33322422
1.34268701
1.35214690
1.36160391
1.37105807
1.38050940
1.38995791
1.34000000
1.35000000
1.36000000
1.37000000
1.38000000
1.39000000
1.40000000
1.41000000
1.37308324
1.38418748
1.39529858
1.40641648
1.41754116
1.42867255
1.43981062
1.45095532
1.40698326
1.41924072
1.43151332
1.44380097
1.45610357
1.46842105
1.48075330
1.49310024
1.44172025
1.45518165
1.46866801
1.48217918
1.49571503
1.50927542
1.52286023
1.53646931
1.47731485
1.49203276
1.50678705
1.52157754
1.53640407
1.55126645
1.56616452
1.58109810
1.51378825
1.52981708
1.54589545
1.56202316
1.57820000
1.59442575
1.61070022
1.62702319
1.55116214
1.56855826
1.58601892
1.60354389
1.62113294
1.63878583
1.65650234
1.67428223
1.58945876
1.60828051
1.62718377
1.64616829
1.66523381
1.68438009
1.70360690
1.72291398
1.62870088
1.64900870
1.66941706
1.68992570
1.71053439
1.73124288
1.75205093
1.77295830
1.66891185
1.69076829
1.71274650
1.73484625
1.75706732
1.77940948
1.80187252
1.82445622
1.71011558
1.73358541
1.75720056
1.78096085
1.80486612
1.82891617
1.85311085
1.87744997
1.75233659
1.77748682
1.80280841
1.82830124
1.85396522
1.87980024
1.90580620
1.93198299
1.79560000
1.82250000
1.84960000
1.87690000
1.90440000
1.93210000
1.96000000
1.98810000
42%
43%
44%
45%
46%
47%
48%
1.00097452
1.00099403
1.00101341
1.00103265
1.00105177
1.00107075
1.00108960
1.00194999
1.00198906
1.00202785
1.00206637
1.00210464
1.00214264
1.00218039
1.00292641
1.00298507
1.00304331
1.00310116
1.00315861
1.00321568
1.00327236
1.00390379
1.00398207
1.00405981
1.00413702
1.00421370
1.00428987
1.00436552
1.00488211
1.00498006
1.00507733
1.00517394
1.00526990
1.00536521
1.00545988
1.00586139
1.00597904
1.00609589
1.00621194
1.00632721
1.00644170
1.00655543
1.00684163
1.00697902
1.00711548
1.00725101
1.00738563
1.00751934
1.00765217
1.00782281
1.00797999
1.00813610
1.00829115
1.00844516
1.00859814
1.00875011
1.00880496
1.00898196
1.00915776
1.00933237
1.00950581
1.00967809
1.00984924
1.00978806
1.00998492
1.01018045
1.01037466
1.01056757
1.01075920
1.01094957
1.01077212
1.01098888
1.01120417
1.01141802
1.01163045
1.01184147
1.01205110
1.01175714
1.01199384
1.01222894
1.01246247
1.01269445
1.01292489
1.01315383
1.01274312
1.01299979
1.01325474
1.01350799
1.01375956
1.01400948
1.01425776
1.01373006
1.01400675
1.01428159
1.01455460
1.01482580
1.01509523
1.01536290
1.01471796
1.01501471
1.01530947
1.01560228
1.01589316
1.01618214
1.01646923
1.01570683
1.01602367
1.01633840
1.01665104
1.01696164
1.01727021
1.01757678
1.01669665
1.01703363
1.01736836
1.01770089
1.01803124
1.01835945
1.01868553
1.01768745
1.01804459
1.01839938
1.01875183
1.01910197
1.01944985
1.01979549
1.01867920
1.01905656
1.01943143
1.01980384
1.02017383
1.02054142
1.02090666
1.01967193
1.02006954
1.02046454
1.02085695
1.02124681
1.02163416
1.02201903
1.02066562
1.02108352
1.02149869
1.02191114
1.02232092
1.02272807
1.02313263
1.02166028
1.02209852
1.02253388
1.02296642
1.02339617
1.02382316
1.02424743
1.02265591
1.02311452
1.02357013
1.02402279
1.02447254
1.02491941
1.02536345
1.02365251
1.02413153
1.02460743
1.02508025
1.02555004
1.02601684
1.02648068
1.02465008
1.02514955
1.02564577
1.02613880
1.02662868
1.02711544
1.02759914
1.02564863
1.02616858
1.02668518
1.02719845
1.02770845
1.02821522
1.02871881
1.02664814
1.02718863
1.02772563
1.02825919
1.02878936
1.02931618
1.02983970
1.02764863
1.02820969
1.02876714
1.02932103
1.02987141
1.03041832
1.03096181
1.02865010
1.02923176
1.02980970
1.03038396
1.03095459
1.03152163
1.03208514
1.02965254
1.03025486
1.03085332
1.03144799
1.03203891
1.03262613
1.03320970
1.03065596
1.03127896
1.03189800
1.03251312
1.03312437
1.03373181
1.03433549
1.03166036
1.03230409
1.03294374
1.03357935
1.03421098
1.03483868
1.03546250
1.03266573
1.03333023
1.03399053
1.03464668
1.03529872
1.03594673
1.03659074
1.03367209
1.03435740
1.03503839
1.03571511
1.03638761
1.03705596
1.03772021
1.03467942
1.03538559
1.03608731
1.03678464
1.03747765
1.03816639
1.03885090
1.03568774
1.03641479
1.03713729
1.03785528
1.03856883
1.03927800
1.03998284
1.03669704
1.03744503
1.03818834
1.03892703
1.03966116
1.04039080
1.04111600
1.03770732
1.03847628
1.03924045
1.03999988
1.04075464
1.04150480
1.04225040
1.03871859
1.03950856
1.04029362
1.04107384
1.04184927
1.04261998
1.04338603
1.03973084
1.04054187
1.04134787
1.04214891
1.04294505
1.04373636
1.04452291
1.04074408
1.04157620
1.04240318
1.04322509
1.04404199
1.04485394
1.04566102
1.04175831
1.04261156
1.04345956
1.04430238
1.04514007
1.04597271
1.04680037
1.04277353
1.04364796
1.04451702
1.04538078
1.04623931
1.04709269
1.04794096
1.04378973
1.04468538
1.04557554
1.04646030
1.04733971
1.04821386
1.04908280
1.04480693
1.04572383
1.04663514
1.04754093
1.04844127
1.04933623
1.05022588
1.04582511
1.04676331
1.04769581
1.04862268
1.04954398
1.05045980
1.05137020
1.04684429
1.04780383
1.04875756
1.04970554
1.05064786
1.05158458
1.05251577
1.04786446
1.04884539
1.04982038
1.05078952
1.05175289
1.05271056
1.05366259
1.04888563
1.04988797
1.05088428
1.05187462
1.05285909
1.05383774
1.05481066
1.04990779
1.05093160
1.05194926
1.05296085
1.05396645
1.05496613
1.05595998
1.05093095
1.05197626
1.05301531
1.05404819
1.05507497
1.05609574
1.05711056
1.05195510
1.05302196
1.05408245
1.05513666
1.05618466
1.05722655
1.05826238
1.05298026
1.05406870
1.05515067
1.05622625
1.05729552
1.05835857
1.05941546
1.05400641
1.05511648
1.05621997
1.05731696
1.05840755
1.05949180
1.06056980
1.05503356
1.05616530
1.05729035
1.05840881
1.05952074
1.06062625
1.06172540
1.05606171
1.05721516
1.05836182
1.05950178
1.06063511
1.06176191
1.06288225
1.05709087
1.05826607
1.05943438
1.06059588
1.06175065
1.06289879
1.06404037
1.05812103
1.05931802
1.06050802
1.06169110
1.06286736
1.06403688
1.06519975
1.05915219
1.06037102
1.06158275
1.06278746
1.06398525
1.06517620
1.06636039
1.06018435
1.06142507
1.06265857
1.06388495
1.06510431
1.06631673
1.06752229
1.07578811
1.07736205
1.07892731
1.08048398
1.08203218
1.08357201
1.08510357
1.09162151
1.09353833
1.09544512
1.09734200
1.09922909
1.10110652
1.10297439
1.10768796
1.10995749
1.11221580
1.11446303
1.11669931
1.11892477
1.12113953
1.12399086
1.12662317
1.12924323
1.13185120
1.13444719
1.13703137
1.13960384
1.14053372
1.14353909
1.14653135
1.14951065
1.15247714
1.15543096
1.15837225
1.15732005
1.16070899
1.16408414
1.16744564
1.17079365
1.17412830
1.17744975
1.17435344
1.17813670
1.18190565
1.18566045
1.18940125
1.19312820
1.19684144
1.19163753
1.19582607
1.20000000
1.20415946
1.20830460
1.21243557
1.21655251
1.20917600
1.21378105
1.21837136
1.22294709
1.22750837
1.23205536
1.23658819
1.22697261
1.23200562
1.23702399
1.24202785
1.24701736
1.25199265
1.25695385
1.24503114
1.25050382
1.25596217
1.26140632
1.26683640
1.27225256
1.27765492
1.26335546
1.26927977
1.27519028
1.28108713
1.28697044
1.29284033
1.29869692
1.28194948
1.28833763
1.29471277
1.30107501
1.30742446
1.31376124
1.32008546
1.30081716
1.30768165
1.31453414
1.32137474
1.32820357
1.33502070
1.34182626
1.31996254
1.32731610
1.33465896
1.34199120
1.34931292
1.35662419
1.36392511
1.33938970
1.34724536
1.35509188
1.36292932
1.37075776
1.37857727
1.38638791
1.35910278
1.36747386
1.37583762
1.38419413
1.39254343
1.40088559
1.40922066
1.37910600
1.38800608
1.39690097
1.40579071
1.41467534
1.42355491
1.43242944
1.39940363
1.40884658
1.41828678
1.42772425
1.43715900
1.44659107
1.45602046
1.42000000
1.43000000
1.44000000
1.45000000
1.46000000
1.47000000
1.48000000
1.46210661
1.47326444
1.48442878
1.49559958
1.50677681
1.51796041
1.52915036
1.50546178
1.51783784
1.53022834
1.54263318
1.55505229
1.56748559
1.57993299
1.55010255
1.56375981
1.57744097
1.59114590
1.60487447
1.61862658
1.63240210
1.59606703
1.61107114
1.62611026
1.64118423
1.65629290
1.67143611
1.68661369
1.64339447
1.65981386
1.67628116
1.69279618
1.70935872
1.72596860
1.74262563
1.69212529
1.71003129
1.72800000
1.74603121
1.76412471
1.78228028
1.80049771
1.74230110
1.76176803
1.78131454
1.80094038
1.82064534
1.84042919
1.86029170
1.79396476
1.81507007
1.83627401
1.85757634
1.87897684
1.90047528
1.92207144
1.84716037
1.86998475
1.89292916
1.91599338
1.93917721
1.96248044
1.98590286
1.90193337
1.92656087
1.95133231
1.97624752
2.00130633
2.02650858
2.05185411
1.95833052
1.98484869
2.01153739
2.03839653
2.06542600
2.09262572
2.11999558
2.01640000
2.04490000
2.07360000
2.10250000
2.13160000
2.16090000
2.19040000
49%
50%
1.00110833
1.00112693
1.00221788
1.00225512
1.00332866
1.00338459
1.00444068
1.00451533
1.00555392
1.00564735
1.00666840
1.00678064
1.00778412
1.00791520
1.00890107
1.00905105
1.01001926
1.01018818
1.01113869
1.01132659
1.01225936
1.01246628
1.01338128
1.01360725
1.01450443
1.01474951
1.01562883
1.01589306
1.01675448
1.01703790
1.01788137
1.01818402
1.01900952
1.01933144
1.02013891
1.02048015
1.02126956
1.02163016
1.02240146
1.02278146
1.02353461
1.02393406
1.02466902
1.02508796
1.02580469
1.02624316
1.02694161
1.02739966
1.02807980
1.02855746
1.02921924
1.02971657
1.03035995
1.03087699
1.03150193
1.03203871
1.03264517
1.03320174
1.03378967
1.03436608
1.03493545
1.03553174
1.03608249
1.03669871
1.03723081
1.03786699
1.03838040
1.03903659
1.03953126
1.04020751
1.04068340
1.04137974
1.04183681
1.04255330
1.04299151
1.04372818
1.04414748
1.04490439
1.04530474
1.04608192
1.04646328
1.04726078
1.04762310
1.04844096
1.04878420
1.04962248
1.04994660
1.05080533
1.05111028
1.05198951
1.05227525
1.05317502
1.05344152
1.05436187
1.05460907
1.05555006
1.05577792
1.05673959
1.05694807
1.05793045
1.05811951
1.05912266
1.05929225
1.06031622
1.06046629
1.06151112
1.06164163
1.06270736
1.06281827
1.06390495
1.06399622
1.06510390
1.06517548
1.06630419
1.06635604
1.06750584
1.06753791
1.06870884
1.06872109
1.06991319
1.08662695
1.08814226
1.10483282
1.10668192
1.12334372
1.12553745
1.14216476
1.14471424
1.16130114
1.16421777
1.18075813
1.18405359
1.20054112
1.20422737
1.22065556
1.22474487
1.24110701
1.24561195
1.26190111
1.26683456
1.28304361
1.28841875
1.30454034
1.31037070
1.32639723
1.33269666
1.34862033
1.35540301
1.37121576
1.37849622
1.39418977
1.40198290
1.41754869
1.42586974
1.44129898
1.45016356
1.46544719
1.47487130
1.49000000
1.50000000
1.54034661
1.55154912
1.59239442
1.60486979
1.64620090
1.66002288
1.70182549
1.71707136
1.75932962
1.77608038
1.81877679
1.83711731
1.88023266
1.90025183
1.94376510
1.96555605
2.00944429
2.03310451
2.07734275
2.10297435
2.14753548
2.17524534
2.22010000
2.25000000
TABLA D-6 FACTOR DE INTERES (DIA) DEL VALOR PRESENTE:

n=
i =
DIAS
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
1%
DIAS
2%
3%
4%
5%
6%
7%
0.99997236
0.99994499
0.99991790
0.99989106
0.99986448
0.99983816
0.99981208
0.99994472
0.99988999
0.99983580
0.99978213
0.99972898
0.99967634
0.99962419
0.99991708
0.99983499
0.99975371
0.99967321
0.99959350
0.99951454
0.99943634
0.99988945
0.99978000
0.99967162
0.99956431
0.99945803
0.99935278
0.99924852
0.99986181
0.99972500
0.99958955
0.99945542
0.99932259
0.99919104
0.99906074
0.99983417
0.99967001
0.99950747
0.99934654
0.99918716
0.99902932
0.99887299
0.99980654
0.99961502
0.99942541
0.99923767
0.99905175
0.99886764
0.99868528
0.99977891
0.99956004
0.99934335
0.99912881
0.99891636
0.99870597
0.99849760
0.99975127
0.99950506
0.99926130
0.99901996
0.99878099
0.99854434
0.99830996
0.99972364
0.99945008
0.99917926
0.99891113
0.99864564
0.99838273
0.99812236
0.99969601
0.99939510
0.99909722
0.99880231
0.99851030
0.99822115
0.99793479
0.99966838
0.99934013
0.99901519
0.99869350
0.99837498
0.99805959
0.99774725
0.99964075
0.99928516
0.99893317
0.99858470
0.99823968
0.99789806
0.99755975
0.99961312
0.99923019
0.99885115
0.99847591
0.99810440
0.99773655
0.99737229
0.99958549
0.99917523
0.99876914
0.99836714
0.99796914
0.99757507
0.99718486
0.99955786
0.99912027
0.99868714
0.99825838
0.99783390
0.99741362
0.99699747
0.99953023
0.99906531
0.99860514
0.99814962
0.99769867
0.99725219
0.99681011
0.99950261
0.99901036
0.99852315
0.99804089
0.99756346
0.99709079
0.99662278
0.99947498
0.99895541
0.99844117
0.99793216
0.99742828
0.99692942
0.99643549
0.99944736
0.99890046
0.99835919
0.99782344
0.99729311
0.99676807
0.99624824
0.99941973
0.99884551
0.99827722
0.99771474
0.99715795
0.99660675
0.99606102
0.99939211
0.99879057
0.99819526
0.99760605
0.99702282
0.99644545
0.99587384
0.99936449
0.99873563
0.99811330
0.99749737
0.99688770
0.99628418
0.99568669
0.99933686
0.99868070
0.99803135
0.99738870
0.99675261
0.99612294
0.99549958
0.99930924
0.99862576
0.99794941
0.99728005
0.99661753
0.99596172
0.99531250
0.99928162
0.99857083
0.99786747
0.99717140
0.99648247
0.99580053
0.99512546
0.99925400
0.99851591
0.99778555
0.99706277
0.99634742
0.99563937
0.99493845
0.99922638
0.99846098
0.99770362
0.99695415
0.99621240
0.99547823
0.99475148
0.99919877
0.99840606
0.99762171
0.99684554
0.99607739
0.99531711
0.99456455
0.99917115
0.99835114
0.99753980
0.99673694
0.99594241
0.99515603
0.99437764
0.99914353
0.99829623
0.99745790
0.99662836
0.99580744
0.99499497
0.99419078
0.99911592
0.99824131
0.99737600
0.99651978
0.99567249
0.99483393
0.99400395
0.99908830
0.99818641
0.99729411
0.99641122
0.99553755
0.99467292
0.99381715
0.99906069
0.99813150
0.99721223
0.99630267
0.99540264
0.99451194
0.99363039
0.99903307
0.99807660
0.99713035
0.99619414
0.99526774
0.99435098
0.99344366
0.99900546
0.99802170
0.99704848
0.99608561
0.99513287
0.99419005
0.99325697
0.99897785
0.99796680
0.99696662
0.99597710
0.99499801
0.99402915
0.99307032
0.99895024
0.99791191
0.99688477
0.99586859
0.99486317
0.99386827
0.99288370
0.99892263
0.99785701
0.99680292
0.99576010
0.99472834
0.99370742
0.99269711
0.99889502
0.99780213
0.99672108
0.99565162
0.99459354
0.99354659
0.99251056
0.99886741
0.99774724
0.99663924
0.99554316
0.99445875
0.99338579
0.99232404
0.99883980
0.99769236
0.99655741
0.99543470
0.99432398
0.99322502
0.99213756
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
75
90
105
120
135
150
165
180
195
210
225
240
255
270
285
300
315
330
345
360
390
420
450
480
510
540
570
600
630
0.99881219
0.99763748
0.99647559
0.99532626
0.99418923
0.99306427
0.99195112
0.99878459
0.99758261
0.99639378
0.99521783
0.99405450
0.99290354
0.99176471
0.99875698
0.99752773
0.99631197
0.99510941
0.99391979
0.99274285
0.99157833
0.99872938
0.99747286
0.99623017
0.99500100
0.99378509
0.99258218
0.99139199
0.99870177
0.99741800
0.99614837
0.99489261
0.99365042
0.99242153
0.99120569
0.99867417
0.99736313
0.99606658
0.99478422
0.99351576
0.99226091
0.99101942
0.99864657
0.99730827
0.99598480
0.99467585
0.99338112
0.99210032
0.99083318
0.99861896
0.99725341
0.99590303
0.99456749
0.99324650
0.99193976
0.99064698
0.99859136
0.99719856
0.99582126
0.99445914
0.99311189
0.99177922
0.99046081
0.99856376
0.99714371
0.99573950
0.99435080
0.99297731
0.99161870
0.99027468
0.99853616
0.99708886
0.99565774
0.99424248
0.99284274
0.99145821
0.99008859
0.99850856
0.99703401
0.99557599
0.99413416
0.99270819
0.99129775
0.98990253
0.99848097
0.99697917
0.99549425
0.99402586
0.99257366
0.99113731
0.98971650
0.99845337
0.99692433
0.99541252
0.99391757
0.99243915
0.99097690
0.98953051
0.99842577
0.99686949
0.99533079
0.99380930
0.99230465
0.99081652
0.98934456
0.99839818
0.99681466
0.99524907
0.99370103
0.99217018
0.99065616
0.98915864
0.99837058
0.99675983
0.99516736
0.99359278
0.99203572
0.99049583
0.98897275
0.99834299
0.99670500
0.99508565
0.99348453
0.99190128
0.99033552
0.98878690
0.99792916
0.99588295
0.99386084
0.99186231
0.98988687
0.98793403
0.98600333
0.99751551
0.99506158
0.99263754
0.99024274
0.98787655
0.98553836
0.98322759
0.99710203
0.99424088
0.99141574
0.98862581
0.98587031
0.98314850
0.98045966
0.99668872
0.99342086
0.99019545
0.98701152
0.98386815
0.98076444
0.97769953
0.99627558
0.99260152
0.98897666
0.98539986
0.98187005
0.97838616
0.97494717
0.99586261
0.99178285
0.98775937
0.98379084
0.97987601
0.97601365
0.97220256
0.99544982
0.99096486
0.98654357
0.98218445
0.97788602
0.97364688
0.96946567
0.99503719
0.99014754
0.98532928
0.98058068
0.97590007
0.97128586
0.96673649
0.99462474
0.98933090
0.98411648
0.97897952
0.97391816
0.96893057
0.96401499
0.99421245
0.98851493
0.98290517
0.97738098
0.97194027
0.96658098
0.96130115
0.99380034
0.98769963
0.98169535
0.97578506
0.96996639
0.96423709
0.95859495
0.99338840
0.98688501
0.98048702
0.97419173
0.96799653
0.96189889
0.95589638
0.99297663
0.98607106
0.97928018
0.97260101
0.96603067
0.95956636
0.95320539
0.99256503
0.98525778
0.97807483
0.97101289
0.96406879
0.95723948
0.95052199
0.99215360
0.98444517
0.97687096
0.96942736
0.96211091
0.95491824
0.94784613
0.99174234
0.98363323
0.97566857
0.96784442
0.96015700
0.95260264
0.94517781
0.99133125
0.98282196
0.97446766
0.96626406
0.95820705
0.95029264
0.94251700
0.99092033
0.98201135
0.97326822
0.96468629
0.95626107
0.94798826
0.93986369
0.99050959
0.98120142
0.97207027
0.96311109
0.95431904
0.94568945
0.93721784
0.99009901
0.98039216
0.97087379
0.96153846
0.95238095
0.94339623
0.93457944
0.98927837
0.97877563
0.96848524
0.95840091
0.94851658
0.93882644
0.92932490
0.98845840
0.97716177
0.96610257
0.95527359
0.94466788
0.93427879
0.92409991
0.98763912
0.97555057
0.96372576
0.95215648
0.94083481
0.92975317
0.91890429
0.98682051
0.97394202
0.96135480
0.94904954
0.93701728
0.92524947
0.91373788
0.98600259
0.97233613
0.95898968
0.94595273
0.93321525
0.92076759
0.90860052
0.98518534
0.97073289
0.95663037
0.94286603
0.92942864
0.91630742
0.90349205
0.98436877
0.96913228
0.95427686
0.93978941
0.92565740
0.91186885
0.89841229
0.98355287
0.96753432
0.95192915
0.93672282
0.92190146
0.90745178
0.89336110
0.98273765
0.96593900
0.94958721
0.93366624
0.91816076
0.90305611
0.88833830
660
690
720
0.98192311
0.96434630
0.94725103
0.93061963
0.91443523
0.89868173
0.88334375
0.98110924
0.96275623
0.94492060
0.92758297
0.91072483
0.89432854
0.87837728
0.98029605
0.96116878
0.94259591
0.92455621
0.90702948
0.88999644
0.87343873
PRESENTE:
8%
FIVPd=
redondeo =
9%
8
10%
11%
12%
1/(1+i)^(n/360)
13%
14%
15%
16%
0.99978624
0.99976065
0.99973528
0.99971015
0.99968525
0.99966056
0.99963610
0.99961185
0.99958781
0.99957253
0.99952135
0.99947064
0.99942039
0.99937059
0.99932124
0.99927233
0.99922385
0.99917578
0.99935886
0.99928211
0.99920606
0.99913071
0.99905604
0.99898204
0.99890869
0.99883600
0.99876393
0.99914524
0.99904293
0.99894156
0.99884112
0.99874158
0.99864295
0.99854519
0.99844829
0.99835225
0.99893167
0.99880380
0.99867712
0.99855161
0.99842723
0.99830397
0.99818182
0.99806074
0.99794073
0.99871814
0.99856474
0.99841276
0.99826218
0.99811297
0.99796511
0.99781858
0.99767335
0.99752939
0.99850465
0.99832573
0.99814846
0.99797283
0.99779881
0.99762637
0.99745547
0.99728610
0.99711822
0.99829122
0.99808677
0.99788424
0.99768358
0.99748475
0.99728774
0.99709250
0.99689900
0.99670721
0.99807782
0.99784788
0.99762008
0.99739440
0.99717079
0.99694922
0.99672965
0.99651205
0.99629638
0.99786448
0.99760904
0.99735600
0.99710531
0.99685693
0.99661082
0.99636694
0.99612525
0.99588571
0.99765118
0.99737026
0.99709198
0.99681630
0.99654317
0.99627254
0.99600436
0.99573860
0.99547521
0.99743792
0.99713153
0.99682804
0.99652738
0.99622950
0.99593437
0.99564192
0.99535210
0.99506488
0.99722471
0.99689286
0.99656416
0.99623854
0.99591594
0.99559631
0.99527960
0.99496576
0.99465473
0.99701154
0.99665425
0.99630035
0.99594978
0.99560247
0.99525837
0.99491742
0.99457956
0.99424474
0.99679843
0.99641570
0.99603662
0.99566111
0.99528910
0.99492054
0.99455537
0.99419351
0.99383492
0.99658535
0.99617721
0.99577295
0.99537252
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0.99550935
0.99508401
0.99466266
0.99424523
0.99383166
0.99342186
0.99301578
0.99615934
0.99570039
0.99524583
0.99479559
0.99434959
0.99390775
0.99347000
0.99303626
0.99260647
0.99594641
0.99546206
0.99498237
0.99450725
0.99403662
0.99357038
0.99310848
0.99265081
0.99219732
0.99573351
0.99522379
0.99471898
0.99421900
0.99372374
0.99323313
0.99274708
0.99226551
0.99178835
0.99552067
0.99498558
0.99445567
0.99393082
0.99341096
0.99289599
0.99238582
0.99188036
0.99137954
0.99530787
0.99474743
0.99419242
0.99364274
0.99309829
0.99255897
0.99202469
0.99149536
0.99097090
0.99509511
0.99450933
0.99392924
0.99335473
0.99278571
0.99222206
0.99166369
0.99111051
0.99056243
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0.99130282
0.99072581
0.99015412
0.99466974
0.99403331
0.99340309
0.99277897
0.99216084
0.99154858
0.99094209
0.99034126
0.98974599
0.99445712
0.99379538
0.99314012
0.99249122
0.99184856
0.99121201
0.99058148
0.98995685
0.98933802
0.99424455
0.99355752
0.99287722
0.99220355
0.99153637
0.99087556
0.99022101
0.98957260
0.98893023
0.99403202
0.99331970
0.99261439
0.99191596
0.99122428
0.99053922
0.98986067
0.98918850
0.98852260
0.99381954
0.99308195
0.99235163
0.99162846
0.99091229
0.99020300
0.98950045
0.98880454
0.98811513
0.99360710
0.99284425
0.99208894
0.99134104
0.99060040
0.98986689
0.98914037
0.98842073
0.98770784
0.99339471
0.99260661
0.99182632
0.99105370
0.99028860
0.98953089
0.98878042
0.98803708
0.98730071
0.99318236
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0.99156377
0.99076645
0.98997691
0.98919501
0.98842061
0.98765357
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0.98785262
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0.98526760
0.99212132
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0.98933143
0.98841990
0.98751731
0.98662348
0.98573825
0.98486148
0.99190924
0.99094471
0.98998992
0.98904467
0.98810879
0.98718211
0.98626444
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0.98323867
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0.98894207
0.98789848
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0.98382666
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0.99084955
0.98975935
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0.98242827
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0.98732589
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0.98928560
0.98815692
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0.98375487
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0.76177553
0.86285496
0.84774625
0.83303648
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0.84167999
0.82644628
0.81162243
0.79719388
0.78314668
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0.75614367
0.74316290
17%
18%
19%
20%
21%
22%
23%
24%
25%
0.99956397
0.99954034
0.99951691
0.99949368
0.99947064
0.99944779
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0.87863663
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0.87584404
0.87109046
0.86640086
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0.82262848
0.86595693
0.85922748
0.85260646
0.84609123
0.83967923
0.83336800
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0.84745763
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0.83333333
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0.81967213
0.81300813
0.80645161
0.80000000
0.84359109
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0.70616482
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0.68301346
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0.66098222
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0.64000000
26%
27%
28%
29%
30%
31%
32%
33%
0.99935823
0.99933628
0.99931451
0.99929291
0.99927148
0.99925021
0.99922910
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0.98409448
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0.98534300
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0.98386281
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0.98155490
0.98093004
0.98031047
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0.81766531
0.81398378
0.81034504
0.80674829
0.82274162
0.81867367
0.81465563
0.81068653
0.80676542
0.80289139
0.79906353
0.79528097
0.81276957
0.80850042
0.80428495
0.80012210
0.79601084
0.79195016
0.78793908
0.78397665
0.80291838
0.79845358
0.79404629
0.78969534
0.78539962
0.78115803
0.77696950
0.77283301
0.79318660
0.78853160
0.78393797
0.77940446
0.77492985
0.77051296
0.76615264
0.76184777
0.78357277
0.77873291
0.77395833
0.76924768
0.76459965
0.76001296
0.75548638
0.75101868
0.77407546
0.76905598
0.76410573
0.75922326
0.75440716
0.74965605
0.74496860
0.74034351
0.76469327
0.75949930
0.75437855
0.74932947
0.74435053
0.73944027
0.73459725
0.72982009
0.75542479
0.75006138
0.74477521
0.73956461
0.73442797
0.72936371
0.72437030
0.71944625
0.74626866
0.74074074
0.73529412
0.72992701
0.72463768
0.71942446
0.71428571
0.70921986
0.72828797
0.72244549
0.71669248
0.71102693
0.70544689
0.69995045
0.69453579
0.68920110
0.71074051
0.70460211
0.69856144
0.69261624
0.68676433
0.68100359
0.67533194
0.66974740
0.69361584
0.68719943
0.68088907
0.67468226
0.66857655
0.66256959
0.65665908
0.65084281
0.67690377
0.67022657
0.66366379
0.65721264
0.65087045
0.64463458
0.63850253
0.63247182
0.66059437
0.65367292
0.64687427
0.64019537
0.63363325
0.62718505
0.62084799
0.61461939
0.64467793
0.63752812
0.63050950
0.62361873
0.61685256
0.61020786
0.60368161
0.59727087
0.62914498
0.62178208
0.61455873
0.60747131
0.60051627
0.59369023
0.58698988
0.58041203
0.61398628
0.60642494
0.59901149
0.59174199
0.58461262
0.57761970
0.57075966
0.56402906
0.59919282
0.59144710
0.58385756
0.57641996
0.56913016
0.56198419
0.55497822
0.54810852
0.58475580
0.57683919
0.56908700
0.56149466
0.55405772
0.54677192
0.53963313
0.53263736
0.57066662
0.56259208
0.55469011
0.54695582
0.53938444
0.53197142
0.52471232
0.51760290
0.55691691
0.54869684
0.54065744
0.53279344
0.52509977
0.51757155
0.51020408
0.50299281
42%
43%
44%
45%
46%
47%
48%
0.99902643
0.99900695
0.99898762
0.99896841
0.99894934
0.99893040
0.99891159
0.99805380
0.99801489
0.99797626
0.99793789
0.99789978
0.99786194
0.99782436
0.99708212
0.99702382
0.99696592
0.99690843
0.99685133
0.99679463
0.99673831
0.99611139
0.99603373
0.99595661
0.99588003
0.99580398
0.99572846
0.99565345
0.99514161
0.99504462
0.99494832
0.99485269
0.99475773
0.99466342
0.99456977
0.99417276
0.99405649
0.99394104
0.99382641
0.99371258
0.99359953
0.99348727
0.99320486
0.99306935
0.99293479
0.99280119
0.99266852
0.99253678
0.99240594
0.99223791
0.99208318
0.99192956
0.99177703
0.99162556
0.99147516
0.99132579
0.99127189
0.99109800
0.99092535
0.99075392
0.99058370
0.99041467
0.99024682
0.99030682
0.99011379
0.98992215
0.98973187
0.98954294
0.98935533
0.98916902
0.98934268
0.98913056
0.98891997
0.98871087
0.98850326
0.98829711
0.98809240
0.98837948
0.98814831
0.98791880
0.98769093
0.98746468
0.98724003
0.98701695
0.98741722
0.98716703
0.98691865
0.98667204
0.98642719
0.98618407
0.98594266
0.98645590
0.98618673
0.98591951
0.98565420
0.98539079
0.98512925
0.98486955
0.98549552
0.98520740
0.98492138
0.98463741
0.98435548
0.98407556
0.98379761
0.98453606
0.98422904
0.98392426
0.98362167
0.98332126
0.98302299
0.98272683
0.98357755
0.98325166
0.98292815
0.98260698
0.98228812
0.98197155
0.98165722
0.98261996
0.98227524
0.98193304
0.98159333
0.98125607
0.98092123
0.98058877
0.98166331
0.98129980
0.98093895
0.98058073
0.98022511
0.97987203
0.97952148
0.98070759
0.98032532
0.97994586
0.97956918
0.97919522
0.97882396
0.97845536
0.97975280
0.97935181
0.97895378
0.97855866
0.97816642
0.97777701
0.97739039
0.97879894
0.97837927
0.97796270
0.97754919
0.97713870
0.97673118
0.97632659
0.97784601
0.97740769
0.97697263
0.97654077
0.97611206
0.97568647
0.97526394
0.97689400
0.97643708
0.97598356
0.97553338
0.97508650
0.97464287
0.97420245
0.97594293
0.97546743
0.97499549
0.97452703
0.97406201
0.97360039
0.97314212
0.97499277
0.97449875
0.97400841
0.97352172
0.97303861
0.97255903
0.97208294
0.97404355
0.97353103
0.97302234
0.97251744
0.97201627
0.97151878
0.97102491
0.97309525
0.97256426
0.97203727
0.97151421
0.97099501
0.97047964
0.96996803
0.97214787
0.97159846
0.97105319
0.97051200
0.96997483
0.96944162
0.96891231
0.97120141
0.97063362
0.97007012
0.96951083
0.96895572
0.96840470
0.96785773
0.97025588
0.96966974
0.96908803
0.96851070
0.96793767
0.96736889
0.96680430
0.96931126
0.96870681
0.96810694
0.96751159
0.96692070
0.96633420
0.96575202
0.96836757
0.96774484
0.96712684
0.96651352
0.96590479
0.96530060
0.96470088
0.96742479
0.96678382
0.96614774
0.96551647
0.96488996
0.96426812
0.96365089
0.96648293
0.96582376
0.96516963
0.96452046
0.96387619
0.96323673
0.96260204
0.96554199
0.96486465
0.96419250
0.96352547
0.96286348
0.96220646
0.96155433
0.96460197
0.96390650
0.96321637
0.96253151
0.96185184
0.96117728
0.96050776
0.96366286
0.96294929
0.96224122
0.96153857
0.96084126
0.96014920
0.95946233
0.96272466
0.96199304
0.96126707
0.96054666
0.95983174
0.95912223
0.95841804
0.96178738
0.96103773
0.96029389
0.95955577
0.95882328
0.95809635
0.95737489
0.96085101
0.96008338
0.95932171
0.95856590
0.95781589
0.95707157
0.95633287
0.95991555
0.95912997
0.95835050
0.95757706
0.95680955
0.95604788
0.95529198
0.95898100
0.95817751
0.95738029
0.95658923
0.95580427
0.95502529
0.95425223
0.95804736
0.95722600
0.95641105
0.95560243
0.95480004
0.95400380
0.95321361
0.95711463
0.95627543
0.95544279
0.95461664
0.95379687
0.95298339
0.95217612
0.95618281
0.95532580
0.95447552
0.95363187
0.95279475
0.95196408
0.95113976
0.95525190
0.95437712
0.95350922
0.95264811
0.95179369
0.95094586
0.95010453
0.95432189
0.95342938
0.95254390
0.95166537
0.95079368
0.94992873
0.94907042
0.95339279
0.95248258
0.95157956
0.95068364
0.94979472
0.94891268
0.94803744
0.95246459
0.95153672
0.95061620
0.94970293
0.94879681
0.94789773
0.94700558
0.95153730
0.95059179
0.94965381
0.94872323
0.94779994
0.94688385
0.94597485
0.95061091
0.94964781
0.94869239
0.94774453
0.94680413
0.94587107
0.94494524
0.94968542
0.94870477
0.94773195
0.94676685
0.94580936
0.94485936
0.94391675
0.94876083
0.94776266
0.94677248
0.94579018
0.94481564
0.94384874
0.94288938
0.94783715
0.94682149
0.94581398
0.94481451
0.94382296
0.94283920
0.94186312
0.94691436
0.94588125
0.94485646
0.94383985
0.94283132
0.94183074
0.94083799
0.94599247
0.94494195
0.94389990
0.94286620
0.94184072
0.94082335
0.93981397
0.94507148
0.94400357
0.94294431
0.94189355
0.94085117
0.93981705
0.93879106
0.94415138
0.94306613
0.94198968
0.94092190
0.93986265
0.93881182
0.93776927
0.94323218
0.94212963
0.94103603
0.93995126
0.93887518
0.93780766
0.93674859
0.92955108
0.92819308
0.92684650
0.92551117
0.92418693
0.92287360
0.92157102
0.91606842
0.91446269
0.91287093
0.91129293
0.90972847
0.90817735
0.90663936
0.90278132
0.90093541
0.89910609
0.89729311
0.89549621
0.89371513
0.89194964
0.88968695
0.88760823
0.88554881
0.88350837
0.88148660
0.87948321
0.87749792
0.87678250
0.87447820
0.87219595
0.86993539
0.86769617
0.86547793
0.86328035
0.86406522
0.86154239
0.85904443
0.85657093
0.85412148
0.85169568
0.84929314
0.85153240
0.84879794
0.84609123
0.84341179
0.84075916
0.83813290
0.83553256
0.83918136
0.83624201
0.83333333
0.83045480
0.82760589
0.82478610
0.82199494
0.82700947
0.82387182
0.82076781
0.81769686
0.81465839
0.81165184
0.80867665
0.81501412
0.81168461
0.80839176
0.80513492
0.80191346
0.79872674
0.79557415
0.80319276
0.79967768
0.79620233
0.79276597
0.78936791
0.78600746
0.78268395
0.79154286
0.78784837
0.78419669
0.78058703
0.77701863
0.77349072
0.77000260
0.78006194
0.77619405
0.77237208
0.76859520
0.76486254
0.76117332
0.75752671
0.76874754
0.76471212
0.76072577
0.75678758
0.75289664
0.74905205
0.74525297
0.75759726
0.75340004
0.74925508
0.74516137
0.74111793
0.73712382
0.73317809
0.74660870
0.74225529
0.73795734
0.73371376
0.72952350
0.72538553
0.72129885
0.73577953
0.73127541
0.72682996
0.72244202
0.71811046
0.71383417
0.70961208
0.72510742
0.72045794
0.71587036
0.71134344
0.70687597
0.70246676
0.69811466
0.71459011
0.70980049
0.70507602
0.70041536
0.69581723
0.69128036
0.68680354
0.70422535
0.69930070
0.69444444
0.68965517
0.68493151
0.68027211
0.67567568
0.68394466
0.67876477
0.67365980
0.66862816
0.66366830
0.65877871
0.65395793
0.66424801
0.65883191
0.65349724
0.64824225
0.64306519
0.63796440
0.63293824
0.64511861
0.63948440
0.63393815
0.62847788
0.62310169
0.61780772
0.61259416
0.62654010
0.62070506
0.61496445
0.60931611
0.60375795
0.59828790
0.59290400
0.60849663
0.60247720
0.59655863
0.59073857
0.58501471
0.57938482
0.57384672
0.59097279
0.58478462
0.57870370
0.57272745
0.56685335
0.56107898
0.55540198
0.57395361
0.56761162
0.56138317
0.55526546
0.54925579
0.54335152
0.53755010
0.55742455
0.55094292
0.54458104
0.53833588
0.53220454
0.52618417
0.52027202
0.54137151
0.53476372
0.52828179
0.52192247
0.51568263
0.50955922
0.50354930
0.52578077
0.51905964
0.51247037
0.50600949
0.49967363
0.49345954
0.48736408
0.51063903
0.50381674
0.49713220
0.49058168
0.48416162
0.47786854
0.47169910
0.49593335
0.48902147
0.48225309
0.47562426
0.46913117
0.46277014
0.45653762
49%
50%
0.99889290
0.99887434
0.99778703
0.99774995
0.99668238
0.99662683
0.99557896
0.99550497
0.99447675
0.99438437
0.99337577
0.99326503
0.99227600
0.99214695
0.99117746
0.99103014
0.99008013
0.98991457
0.98898401
0.98880027
0.98788911
0.98768722
0.98679542
0.98657542
0.98570294
0.98546487
0.98461167
0.98435558
0.98352161
0.98324753
0.98243275
0.98214073
0.98134510
0.98103518
0.98025866
0.97993087
0.97917341
0.97882780
0.97808937
0.97772597
0.97700653
0.97662539
0.97592489
0.97552604
0.97484445
0.97442793
0.97376520
0.97333106
0.97268714
0.97223542
0.97161028
0.97114102
0.97053462
0.97004785
0.96946014
0.96895590
0.96838685
0.96786519
0.96731475
0.96677571
0.96624384
0.96568745
0.96517411
0.96460041
0.96410557
0.96351460
0.96303821
0.96243002
0.96197203
0.96134665
0.96090704
0.96026450
0.95984322
0.95918357
0.95878058
0.95810386
0.95771911
0.95702536
0.95665882
0.95594808
0.95559971
0.95487201
0.95454177
0.95379715
0.95348499
0.95272350
0.95242939
0.95165106
0.95137496
0.95057982
0.95032169
0.94950980
0.94926959
0.94844097
0.94821866
0.94737335
0.94716889
0.94630694
0.94612028
0.94524172
0.94507283
0.94417770
0.94402654
0.94311488
0.94298141
0.94205325
0.94193744
0.94099282
0.94089462
0.93993359
0.93985296
0.93887554
0.93881245
0.93781869
0.93777309
0.93676303
0.93673489
0.93570855
0.93569783
0.93465527
0.92027903
0.91899748
0.90511431
0.90360200
0.89019948
0.88846444
0.87553043
0.87358046
0.86110309
0.85894583
0.84691350
0.84455637
0.83295773
0.83040797
0.81923192
0.81649658
0.80573230
0.80281825
0.79245512
0.78936906
0.77939674
0.77614518
0.76655353
0.76314283
0.75392196
0.75035830
0.74149854
0.73778795
0.72927983
0.72542818
0.71726247
0.71327546
0.70544314
0.70132634
0.69381857
0.68957739
0.68238556
0.67802526
0.67114094
0.66666667
0.64920453
0.64451714
0.62798512
0.62310351
0.60745927
0.60240134
0.58760431
0.58238698
0.56839832
0.56303758
0.54982008
0.54433105
0.53184908
0.52624604
0.51446546
0.50876189
0.49765003
0.49185863
0.48138421
0.47551698
0.46565005
0.45971826
0.45043016
0.44444444
TABLA D-7
CUOTA (1=30d)
im -->>
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
FACTOR DE INTERES DEL VALOR FUTURO PARA UNA CUOTA ME

n = NRO DE CUOTAS (1 = 30d)
i = TIEA
(TASA DE INTERES EFECTIVA ANUAL)
1%
2%
3%
4%
5%
0.0830%
0.1652%
0.2466%
0.3274%
0.4074%
6%
0.4868%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
2.00082954
2.00165158
2.00246627
2.00327374
2.00407412
2.00486755
3.00248931
3.00495747
3.00740489
3.00983194
3.01223896
3.01462634
4.00497999
4.00992040
4.01482196
4.01968534
4.02451118
4.02930019
5.00830228
5.01654310
5.02472360
5.03284475
5.04090752
5.04891301
6.01245687
6.02482832
6.03711592
6.04932097
6.06144479
6.07348884
7.01744444
7.03477881
7.05200508
7.06912488
7.08613984
7.10305185
8.02326570
8.04639731
8.06939723
8.09226736
8.11500962
8.13762631
9.02992132
9.05968658
9.08929854
9.11875933
9.14807115
9.17723662
10.03741200
10.07464937
10.11171521
10.14861178
10.18534149
10.22190728
11.04573843
11.09128846
11.13665343
11.18183570
11.22683779
11.27166292
12.05490131
12.10960661
12.16411942
12.21844212
12.27257727
12.32652830
13.06490134
13.12960660
13.19411943
13.25844212
13.32257723
13.38652830
14.07573919
14.15129119
14.22665969
14.30184682
14.37685500
14.45168789
15.08741558
15.17466318
15.26174647
15.34866734
15.43542804
15.52203221
16.09993120
16.19972535
16.29938606
16.39891489
16.49831382
16.59758647
17.11328673
17.22648050
17.33958474
17.45260067
17.56552993
17.67837606
18.12748289
18.25493141
18.38234884
18.50973595
18.63709401
18.76442643
19.14252036
19.28508089
19.42768468
19.57033201
19.71302377
19.85576322
20.15839985
20.31693174
20.47559859
20.63440019
20.79333699
20.95241214
21.17512205
21.35048678
21.52609695
21.70195185
21.87805154
22.05439905
22.19268766
22.38574881
22.57918611
22.77299840
22.96718535
23.16174994
23.21109738
23.42272067
23.63487248
23.84755128
24.06075642
24.27449092
24.23035191
24.46140517
24.69316246
24.92562196
25.15878283
25.39264822
25.25045196
25.50180513
25.75406247
26.00722197
26.26128273
26.51624820
26.27139822
26.54392341
26.81757894
27.09236285
27.36827434
27.64531737
27.29319140
27.58776282
27.88371833
28.18105620
28.47977598
28.77988233
28.31583219
28.63332622
28.95248711
29.27331365
29.59580600
29.91996985
29.33932131
29.68061644
30.02389176
30.36914687
30.71638287
31.06560680
30.36365945
30.72963636
31.09793878
31.46856756
31.84152510
32.21682019
31.38884732
31.78038881
32.17463469
32.57158747
32.97125129
33.37363717
32.41488562
32.83287666
33.25398603
33.67821838
34.10558013
34.53608502
33.44177506
33.88710279
34.33599934
34.78847211
35.24453035
35.70419114
34.46951635
34.94307005
35.42068118
35.90236052
36.38812080
36.87798308
35.49811020
36.00078132
36.50803815
37.01989551
37.53637037
38.05748850
36.52755730
37.06023949
37.59807683
38.14108903
38.68929805
39.24273523
37.55785837
38.12144744
38.69080384
39.26595304
39.84692289
40.43375121
38.58901412
39.18440806
39.78622580
40.39449956
41.00926404
41.63056451
39.62102525
40.24912425
40.88434938
41.52674065
42.17634070
42.83320337
40.65389247
41.31559890
41.98518122
42.66268840
43.34817217
44.04169613
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
72
84
96
108
120
41.68761650
42.38383492
43.08872802
43.80235495
44.52477783
45.25607128
42.72219805
43.45383521
44.19499645
44.94575247
45.70617711
46.47635747
43.75763782
44.52560269
45.30399325
46.09289318
46.89238956
47.70258347
44.79393653
45.59914029
46.41572513
47.24378932
48.08343479
48.93477818
45.83109489
46.67445092
47.53019884
48.39845321
49.27933247
50.17297066
46.86911362
47.75153751
48.64742114
49.55689716
50.48010238
51.41719010
47.90799342
48.83040299
49.76739882
50.71913356
51.68576438
52.66746584
48.94773502
49.91105031
50.89013866
51.88517481
52.89633839
53.92382737
49.98833912
50.99348240
52.01564748
53.05503338
54.11184442
55.18630429
51.02980645
52.07770222
53.14393211
54.22872177
55.33230256
56.45492639
52.07213772
53.16371271
54.27499940
55.40625251
56.55773300
57.72972357
53.11533364
54.25151683
55.40885620
56.58763817
57.78815599
59.01072588
54.15939493
55.34111755
56.54550940
57.77289138
59.02359188
60.29796354
55.20432232
56.43251784
57.68496589
58.96202481
60.26406107
61.59146689
56.25011651
57.52572065
58.82723259
60.15505115
61.50958409
62.89126644
57.29677823
58.62072898
59.97231643
61.35198315
62.76018152
64.19739282
58.34430820
59.71754581
61.12022436
62.55283359
64.01587403
65.50987684
59.39270714
60.81617411
62.27096333
63.75761530
65.27668238
66.82874944
60.44197576
61.91661689
63.42454034
64.96634116
66.54262742
68.15404172
61.49211480
63.01887713
64.58096238
66.17902407
67.81373007
69.48578493
74.16193867
76.38886029
78.68251086
81.04462733
83.47699062
85.98145983
86.95846106
90.02624289
93.20710583
96.50485476
99.92341346
103.46687511
99.88294897
103.93637293
108.16743869
112.58349134
117.19215666
122.00141518
112.93668205
118.12470535
123.57658157
129.30527342
135.32433621
141.64802752
126.12095276
132.59680419
139.44799879
146.69592682
154.36312386
162.47343646
TIEm = im
RO PARA UNA CUOTA MENSUAL ORDINARIA:
FVIFm=
7%
8%
redondeo =
9%
8
10%
11%
12%
13%
14%
0.5654%
0.6434%
0.7207%
0.7974%
0.8735%
0.9489%
1.0237%
1.0979%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
2.00565415
2.00643403
2.00720732
2.00797414
2.00873459
2.00948879
2.01023684
2.01097885
3.01699442
3.01934349
3.02167391
3.02398601
3.02628006
3.02855641
3.03081531
3.03305709
4.03405296
4.03877003
4.04345208
4.04809969
4.05271338
4.05729374
4.06184128
4.06635656
5.05686210
5.06475560
5.07259453
5.08037981
5.08811217
5.09579255
5.10342170
5.11100048
6.08545436
6.09734239
6.10915434
6.12089147
6.13255474
6.14414546
6.15566462
6.16711339
7.11986243
7.13657287
7.15318497
7.16970031
7.18612009
7.20244596
7.21867917
7.23482120
8.16011920
8.18248980
8.20474026
8.22687251
8.24888791
8.27078846
8.29257563
8.31425122
9.20625774
9.23513618
9.26387445
9.29247474
9.32093856
9.34926823
9.37746540
9.40553214
10.25831130
10.29455533
10.33064216
10.36657424
10.40235314
10.43798148
10.47346102
10.50879406
11.31631333
11.36079080
11.40509840
11.44923875
11.49321343
11.53702529
11.58067616
11.62416854
12.38029746
12.43388647
12.48729860
12.54053658
12.59360193
12.64649770
12.69922569
12.75178854
13.45029752
13.51388647
13.57729856
13.64053658
13.70360188
13.76649766
13.82922563
13.89178851
14.52634752
14.60083522
14.67515449
14.74930813
14.82329723
14.89712507
14.97079320
15.04430438
15.60848167
15.69477743
15.78092303
15.86692117
15.95277265
16.03848076
16.12404682
16.20947354
16.69673436
16.79575810
16.89466119
16.99344622
17.09211358
17.19066654
17.28910610
17.38743492
17.79114021
17.90382251
18.01642642
18.12895434
18.24140618
18.35378516
18.46609192
18.57832896
18.89173398
19.01901625
19.14627657
19.27351716
19.40073739
19.52794037
19.65512634
19.78229764
19.99855068
20.14138517
20.28426991
20.42720689
20.57019487
20.71323690
20.85633273
20.99948452
21.11162548
21.27097544
21.43046513
21.59009629
21.74986709
21.90978045
22.06983567
22.23003471
22.23099378
22.40783354
22.58492135
22.76225875
22.93984326
23.11767776
23.29576105
23.47409493
23.35669115
23.55200621
23.74769811
23.94376818
24.14021339
24.33703655
24.53423602
24.73181349
24.48875339
24.70354053
24.91885537
25.13469914
25.35106826
25.56796558
25.78538907
26.00334037
25.62721647
25.86248385
26.09845353
26.33512675
26.57249944
26.81057463
27.04934997
27.28882714
26.77211660
27.02888384
27.28655344
27.54512674
27.80459933
28.06497455
28.32624984
28.58842708
27.92349016
28.20278849
28.48321636
28.76477544
29.04746111
29.33127720
29.61622113
29.90229513
29.08137377
29.38424608
29.68850402
29.99414978
30.30117877
30.60959553
30.91939765
31.23058794
30.24580422
30.57330520
30.90247857
31.23332733
31.56584714
31.90004355
32.23591457
32.57346388
31.41681853
31.77001476
32.12520262
32.48238626
32.84156188
33.20273636
33.56590847
33.93108306
32.59445393
32.97442399
33.35673923
33.74140535
34.12841945
34.51779016
34.90951731
35.30360733
33.77874787
34.18658242
34.59715193
35.01046404
35.42651721
35.84532222
36.26688045
36.69120034
34.96973797
35.40653992
35.84650467
36.28964239
36.73595331
37.18545095
37.63813870
38.09402752
36.16746212
36.63434666
37.10486190
37.57902107
38.05682680
38.53829589
39.02343431
39.51225614
37.37195837
37.87005315
38.37228851
38.87868145
39.38923758
39.90397769
40.42291096
40.94605527
38.58326503
39.11371021
39.64884988
40.18870550
40.73328642
41.28261815
41.83671383
42.39559587
39.80142060
40.36536899
40.93461183
41.50917586
42.08907497
42.67434024
43.26498958
43.86105076
41.02646380
41.62508099
42.22964067
42.84017584
43.45670579
44.07926810
44.70788635
45.34259466
42.25843358
42.89289800
43.53400321
44.18178940
44.83628230
45.49752702
46.16555383
46.84040420
43.49736910
44.16887220
44.84776670
45.53410118
46.22790884
46.92924350
47.63814322
48.35465797
44.74330975
45.45305605
46.17099890
46.89719647
47.63169067
48.37454523
49.12580727
49.88553651
45.99629514
46.74550237
47.50376807
48.27116128
49.04773396
49.83356113
50.62870030
51.43322233
47.25636509
48.04626434
48.84614293
49.65608228
50.47614580
51.30642133
52.14697820
52.99789996
48.52355967
49.35539544
50.19819271
51.05204683
51.91703424
52.79325719
53.68079848
54.57975596
49.79791915
50.67294954
51.55998715
52.45914300
53.37050825
54.29420132
55.23032022
56.17897891
51.07948406
51.99898082
52.93159647
53.87745955
54.83667776
55.80938759
56.79570417
57.79575949
52.36829512
53.33354382
54.31309143
55.30708596
56.31565366
57.33895115
58.37711271
59.43029047
53.66439332
54.67669344
55.70454326
56.74811240
57.80754780
58.88302842
59.97470987
61.08276671
54.96781985
56.02848493
57.10602373
58.20062980
59.31247303
60.44175711
61.58866138
62.75338525
56.27861614
57.38897388
58.51760511
59.66472977
60.83054316
62.01527625
63.21913465
64.44234525
57.59682388
58.75821626
59.93936022
61.14050468
62.36187302
63.60372618
64.86629882
66.14984809
58.92248496
60.13626838
61.37136237
62.62804762
63.90657841
65.20724858
66.53032474
67.87609735
60.25564153
61.52318694
62.81368542
64.12745244
65.46477617
66.82598647
68.21138503
69.62129884
61.59633597
62.91902897
64.26640375
65.63881372
67.03658415
68.46008422
69.90965407
71.38566064
62.94461089
64.32385189
65.72959228
67.16222681
68.62212123
70.10968759
71.62530801
73.16939310
64.30050916
65.73771348
67.20332649
68.69778781
70.22150732
71.77494369
73.35852483
74.97270889
65.66407389
67.16067190
68.68768237
70.24559359
71.83486340
73.45600106
75.10948431
76.79582302
67.03534841
68.59278568
70.18273647
71.80574179
73.46231148
75.15300963
76.87836808
78.63895284
68.41437633
70.03411372
71.68856592
73.37833083
75.10397465
76.86612075
78.66535964
80.50231811
69.80120147
71.48471531
73.20524835
74.96345991
76.75997707
78.59548723
80.47064434
82.38614098
71.19586793
72.94465011
74.73286200
76.56122903
78.43044400
80.34126330
82.29440945
84.29064607
88.55988034
91.21410849
93.94611496
96.75788809
99.65139082
102.62870946
105.69190355
108.84312283
107.13937465
110.94512351
114.88855986
118.97421294
123.20664071
127.59064829
132.13107052
136.83294569
127.01943464
132.25461971
137.71582390
143.41217014
149.35296690
155.54801880
162.00732764
168.74134302
148.29110001
155.26887557
162.59754072
170.29392294
178.37538765
186.86027268
195.76749645
205.11691513
171.05178321
180.12427187
189.71861098
199.86385086
210.59027322
221.92999581
233.91648523
246.58506638
(1+i)^(30/360) -1)
(1/im)*((1+im)^n -1)
15%
16%
17%
18%
19%
20%
21%
22%
1.1715%
1.2445%
1.3170%
1.3888%
1.4602%
1.5309%
1.6012%
1.6709%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
2.01171492
2.01244514
2.01316961
2.01388843
2.01460169
2.01530947
2.01601187
2.01670896
3.03528200
3.03749030
3.03968227
3.04185818
3.04401828
3.04616279
3.04829199
3.05040607
4.07084009
4.07529229
4.07971370
4.08410481
4.08846609
4.09279793
4.09710085
4.10137518
5.11852965
5.12600988
5.13344194
5.14082662
5.14816461
5.15545649
5.16270309
5.16990490
6.17849282
6.18980379
6.20104737
6.21222463
6.22333651
6.23438380
6.24536762
6.25628863
7.25087337
7.26683676
7.28271274
7.29850267
7.31420774
7.32982891
7.34536764
7.36082471
8.33581677
8.35727356
8.37862323
8.39986742
8.42100753
8.44204471
8.46298071
8.48381643
9.43347019
9.46128100
9.48896643
9.51652839
9.54396847
9.57128794
9.59848885
9.62557218
10.54398254
10.57902797
10.61393241
10.64869803
10.68332654
10.71781928
10.75217861
10.78640548
11.66750445
11.71068545
11.75371377
11.79659172
11.83932117
11.88190342
11.92434110
11.96663510
12.80418834
12.85642657
12.90850559
12.96042786
13.01219526
13.06380906
13.11527210
13.16658513
13.95418838
14.01642660
14.07850558
14.14042786
14.20219530
14.26380905
14.32527213
14.38658507
15.11766058
15.19086299
15.26391400
15.33681620
15.40957136
15.48218041
15.55464652
15.62696995
16.29476276
16.37991541
16.46493380
16.54982050
16.63457714
16.71920439
16.80370550
16.88808036
17.48565460
17.58376575
17.68177055
17.77967152
17.87747008
17.97516655
18.07276425
18.17026262
18.69049765
18.80259818
18.91463258
19.02660324
19.13851136
19.25035682
19.36214300
19.47386881
19.90945533
20.03659914
20.16373091
20.29085289
20.41796597
20.54506958
20.67216712
20.79925691
21.14269301
21.28595742
21.42927938
21.57266098
21.71610278
21.85960371
22.00316717
22.14679086
22.39037797
22.55086414
22.71149464
22.87227137
23.03319458
23.19426265
23.35547902
23.51684070
23.65267945
23.83151281
24.01059616
24.18993131
24.36951814
24.54935452
24.72944392
24.90978265
24.92976870
25.12809932
25.32680635
25.52589148
25.72535429
25.92519213
26.12540856
26.32599921
26.22181895
26.44082203
26.66035051
26.88040604
27.10098794
27.32209308
27.54372520
27.76587928
27.52900546
27.76988177
28.01145693
28.25373268
28.49670817
28.74037984
28.98475175
29.22981825
28.85150556
29.11548183
29.38035689
29.64613267
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289.06153979
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23%
24%
25%
26%
27%
28%
29%
30%
1.7401%
1.8088%
1.8769%
1.9446%
2.0118%
2.0785%
2.1447%
2.2104%
1.00000000
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578.42869758
31%
32%
33%
34%
35%
36%
37%
38%
2.2757%
2.3406%
2.4050%
2.4689%
2.5324%
2.5955%
2.6581%
2.7204%
1.00000000
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43.68577169
44.13012033
44.57688342
45.02607735
45.47770548
44.33141899
44.80620650
45.28384527
45.76432883
46.24767414
46.73386885
47.22293217
47.71486916
46.34028461
46.85492668
47.37290137
47.89420343
48.41885302
48.94683847
49.47818240
50.01289206
48.39486668
48.95159856
49.51219833
50.07666246
50.64501496
51.21724534
51.79338027
52.37342977
50.49620560
51.09734451
51.70294442
52.31300418
52.92755236
53.54658024
54.17011928
54.79818293
52.64536543
53.29331311
53.94637697
54.60455889
55.26789287
55.93637263
56.61003526
57.28889845
54.84343443
55.54067988
56.24376306
56.95268975
57.66750030
58.38819167
59.11480755
59.84737075
57.09152567
57.84064781
58.59640025
59.35879357
60.12787554
60.90364726
61.68616013
62.47544307
59.39077750
60.19444808
61.00561731
61.82430164
62.65055747
63.48439107
64.32586277
65.17500878
61.74235421
62.60334068
63.47277495
64.35068058
65.23712394
66.13211765
67.03573233
67.94801277
64.14744657
65.06861506
65.99926663
66.93943325
67.88919278
68.84856552
69.81763394
70.79645284
66.60727247
67.59159089
68.58651929
69.59209958
70.60842278
71.63551833
72.67348230
73.72238114
69.12307748
70.17361872
71.23599422
72.31025753
73.39651471
74.49480603
75.60524302
76.72790563
71.69613555
72.81608068
73.94918782
75.09552404
76.25521245
77.42830606
78.61493396
79.81519162
74.32774960
75.52039129
76.72763251
77.94955593
79.18630403
80.43794458
81.70462660
82.98646334
77.01925221
78.28799816
79.57289754
80.87405095
82.19162274
83.52569776
84.87644751
86.24400552
79.77200629
81.12038278
82.48658992
83.87074878
85.27304833
86.69359304
88.13257977
89.59016502
82.58740575
84.01906131
85.47035529
86.94143202
88.43250812
89.94371051
91.47526448
93.02735257
85.46687625
86.98558541
88.52587887
90.08792730
91.67197826
93.27818423
94.90680233
96.55804449
88.41187587
90.02154306
91.65488642
93.31210633
94.99348494
96.69920364
98.42955516
100.18478442
91.42389587
93.12855939
94.85914520
96.61588706
98.39910565
100.20901504
102.04594759
103.91018525
94.50446147
96.30829758
98.14046495
100.00123476
101.89097051
103.80992298
105.75846867
107.73693091
97.65513257
99.56245974
101.50069897
103.47016325
105.47126356
107.50429189
109.56967366
111.66777837
100.87750461
102.89278781
104.94174511
107.02473604
109.14222417
111.29454751
113.48218570
115.70555958
104.17320929
106.30106450
108.46554685
110.66706761
112.90614840
115.18317857
117.49869766
119.85318354
107.54391547
109.78911426
112.07409445
114.39932462
116.76539048
119.17273839
121.62197402
124.11363838
110.99132999
113.35880424
115.76942598
118.22372726
120.72236423
123.26584655
125.85485271
128.48999353
114.51719854
117.01204527
119.55362858
122.14255050
124.77954463
127.46519065
130.20024712
132.98540191
118.12330651
120.75079292
123.42883955
126.15812549
128.93946930
131.77352800
134.66114806
137.60310221
121.81147994
124.57704855
127.39724760
130.27284092
133.20474016
136.19368752
139.24062586
142.34642122
125.58358642
128.49286033
131.46109408
134.48914449
137.57802499
140.72857152
143.94183246
147.21877625
178.13647855
183.28246271
188.56493185
193.98677402
199.55119006
205.26109473
211.11982000
217.13058888
246.98076961
255.60473718
264.51303815
273.71359560
283.21496561
293.02532150
303.15365784
313.60889413
337.16679402
351.07013859
365.52402227
380.54753382
396.16106624
412.38466342
429.24000867
446.74896068
455.31049007
477.08446727
499.86863481
523.70500742
548.63830699
574.71335957
601.97829974
630.48225982
610.07873723
643.42337957
678.54697434
715.53601723
754.48258864
795.48037431
838.62974536
884.03422273
39%
40%
41%
42%
43%
44%
45%
2.7822%
2.8436%
2.9046%
2.9653%
3.0255%
3.0853%
3.1448%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
2.02782198
2.02843616
2.02904633
2.02965254
2.03025486
2.03085332
2.03144799
3.08424000
3.08611710
3.08798268
3.08983689
3.09167994
3.09351189
3.09533295
4.17004967
4.17387441
4.17767724
4.18145841
4.18521828
4.18895700
4.19267495
5.28606870
5.29256338
5.29902344
5.30544927
5.31184147
5.31820023
5.32452615
6.43313760
6.44306355
6.45294062
6.46276931
6.47255049
6.48228436
6.49197179
7.61212023
7.62627954
7.64037486
7.65440684
7.66837660
7.68228436
7.69613125
8.82390448
8.84314165
8.86229971
8.88137945
8.90038226
8.91930834
8.93815911
10.06940298
10.09460664
10.11971699
10.14473490
10.16966208
10.19449861
10.21924625
11.34955371
11.38165849
11.41365763
11.44555206
11.47734378
11.50903274
11.54062101
12.66532076
12.70530915
12.74518250
12.78494175
12.82458921
12.86412461
12.90355034
14.01769506
14.06659935
14.11538327
14.16404775
14.21259537
14.26102556
14.30934106
15.40769510
15.46659942
15.52538336
15.58404774
15.64259545
15.70102555
15.75934108
16.83636768
16.90641012
16.97633876
17.04615434
17.11585998
17.18545431
17.25494068
18.30478877
18.38716350
18.46943910
18.55161611
18.63369793
18.71568263
18.79757388
19.81406423
19.91002382
20.00590852
20.10171865
20.19745785
20.29312358
20.38871979
21.36533073
21.47618845
21.58700675
21.69778567
21.80852911
21.91923381
22.02990405
22.95975654
23.08688878
23.21403007
23.34118013
23.46834311
23.59551495
23.72270025
24.59854242
24.74339124
24.88831245
25.03330540
25.17837454
25.32351492
25.46873149
26.28292258
26.44699827
26.61122658
26.77560649
26.94014274
27.10482943
27.26967191
28.01416552
28.19904935
28.38418505
28.56957124
28.75521299
28.94110341
29.12724828
29.79357508
30.00092203
30.20864146
30.41673159
30.62519793
30.83403253
31.04324169
31.62249133
31.85403305
32.08609163
32.31866494
32.55175901
32.78536480
33.01948924
33.50229165
33.75983943
34.01807483
34.27699545
34.53660792
34.79690216
35.05788581
35.43439174
35.71983962
36.00617506
36.29339542
36.58150816
36.87050211
37.16038585
37.42024668
37.73557470
38.05202230
38.36958678
38.68827656
39.00807951
39.32900529
39.46135203
39.80862954
40.15729390
40.50734249
40.85878495
41.21160827
41.56582346
41.55924498
41.94063409
42.32371591
42.70848808
43.09496177
43.48312321
43.87298506
43.71550546
44.13326468
44.55306453
44.97490323
45.39879381
45.82472193
46.25270226
45.93175738
46.38824525
46.84716754
47.30852335
47.77232796
48.23856673
48.70725677
48.20966981
48.70734882
49.20790583
49.71134123
50.21767305
50.72688667
51.23900210
50.55095828
51.09239878
51.63721490
52.18540877
52.73700172
53.29197954
53.85036572
52.95738603
53.54527041
54.13708649
54.73283869
55.33255232
55.93621404
56.54385149
55.43076537
56.06789228
56.70957017
57.35580638
58.00663095
58.66203195
59.32204196
57.97295901
58.66224784
59.35677505
60.05655172
60.76161345
61.47195039
62.18760094
60.58588152
61.33037690
62.08087153
62.83738102
63.59994756
64.36856415
65.14327600
63.27150070
64.07437731
64.88409301
65.70066898
66.52415506
67.35454805
68.19190109
66.03183913
66.89640656
67.76873779
68.64886069
69.53683406
70.43265948
71.33639931
68.86897564
69.79868348
70.73717091
71.68447378
72.64066124
73.60574086
74.57978568
71.78504690
72.78349001
73.79182612
74.81010050
75.83839428
76.87672234
77.92517004
74.78224904
75.85317298
76.93520785
78.02841000
79.13287428
80.24862445
81.37576001
77.86283928
79.01014594
80.16989329
81.34215055
82.52702831
83.72456094
84.93486409
81.02913763
82.25689109
83.49853447
84.75415192
86.02387200
87.30774161
88.60589485
84.28352868
85.59596121
86.92386045
88.26732780
89.62651220
91.00147530
92.39237215
87.62846333
89.02998166
90.44867959
91.88467827
93.33814978
94.80917294
96.29792654
91.06646068
92.56165246
94.07588178
95.60929237
97.16208244
98.73435069
100.32630277
94.60010993
96.19375042
97.80844089
99.44435074
101.10170764
102.78063321
104.48136334
98.23207230
99.92913130
101.64941714
103.39312832
105.16052565
106.95175698
108.76709221
101.96508305
103.77073206
105.60195966
107.45899720
109.34214263
111.25157376
113.18759864
105.80195355
107.72157320
109.66930902
111.64542941
113.65027385
115.68405416
117.74712111
109.74557339
111.78476110
113.85479997
115.95599997
118.08874697
120.25329131
122.45003139
113.79891253
115.96349045
118.16186406
120.39438990
122.66150548
124.96350458
127.30083876
117.96502360
120.26104682
122.59403255
124.96438936
127.37261216
129.81904358
132.30419426
122.24704413
124.68080919
127.15493928
129.66990092
132.22625270
134.82439207
137.46489524
126.64819895
129.22625262
131.84832361
134.51494284
137.22673947
139.98417218
142.78788989
131.17180261
133.90095102
136.67803352
139.50365256
142.37851526
145.30314864
148.27828202
135.82126187
138.70857989
141.64802879
144.64029020
147.68615731
150.78623319
153.94133595
140.60007831
143.65291926
146.76238418
149.92924219
153.15438132
156.43848909
159.78248155
145.51185087
148.73785666
152.02529282
155.37502504
158.78804568
162.26513585
165.80731943
150.56027868
153.96739015
157.44106964
160.98228919
164.59215578
168.27155402
172.02162635
223.29648720
229.62095630
236.10730417
242.75889718
249.57939179
256.57206084
263.74070178
324.39981936
335.53595421
347.02670121
358.88167990
371.11114634
383.72478936
396.73336250
464.93345427
483.81695866
503.42305997
523.77603050
544.90156545
566.82471654
589.57272248
660.27521126
691.41037526
723.94193845
757.92600709
793.42187919
830.48860895
869.18979726
931.80025966
982.04117298
1034.87357489
1090.41897209
1148.80594848
1210.16461011
1274.63455979
46%
47%
48%
49%
50%
3.2039%
3.2626%
3.3210%
3.3790%
3.4366%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
2.03203891
2.03262613
2.03320970
2.03378967
2.03436608
3.09714322
3.09894285
3.10073198
3.10251075
3.10427927
4.19637231
4.20004937
4.20370636
4.20734357
4.21096118
5.33081951
5.33708072
5.34331019
5.34950832
5.35567541
6.50161316
6.51120901
6.52075992
6.53026644
6.53972898
7.70991775
7.72364456
7.73731240
7.75092199
7.76447382
8.95693512
8.97563720
8.99426622
9.01282308
9.03130835
10.24390555
10.26847750
10.29296311
10.31736340
10.34167902
11.57210912
11.60349818
11.63478932
11.66598370
11.69708199
12.94286688
12.98207542
13.02117719
13.06017344
13.09906484
14.35754223
14.40563030
14.45360657
14.50147239
14.54922835
15.81754224
15.87563027
15.93360651
15.99147236
16.04922830
17.32431905
17.39359065
17.46275680
17.53181893
17.60077736
18.87937135
18.96107620
19.04268972
19.12421331
19.20564708
20.48424583
20.57970274
20.67509173
20.77041417
20.86566989
22.14053873
22.25113879
22.36170533
22.47223961
22.58274117
23.84989746
23.97710734
24.10433085
24.23156917
24.35882146
25.61402218
25.75938756
25.90482845
26.05034589
26.19593867
27.43466753
27.59981669
27.76512003
27.93057849
28.09619039
29.31364438
29.50029189
29.68719134
29.87434352
30.06174632
31.25282159
31.46277225
31.67309405
31.88378772
32.09485070
33.25412793
33.48928075
33.72494800
33.96113039
34.19782490
35.31955394
35.58190638
35.84494341
36.10866578
36.37307009
37.45115395
37.74280628
38.03534323
38.32876568
38.62306992
39.65104810
39.97420799
40.29848557
40.62388202
40.95039344
41.92142446
42.27841169
42.63678618
42.99654959
43.35769793
44.26454121
44.65779265
45.05274106
45.44938881
45.84773205
46.68272886
47.11480360
47.54892907
47.98510866
48.42333888
49.17839261
49.65197730
50.12801474
50.60650965
51.08745921
51.75401470
52.27192917
52.79275108
53.31648691
53.84313492
54.41215692
54.97735993
55.54598250
56.11803341
56.69351241
57.15546312
57.77105842
58.39064792
59.01424324
59.64184619
59.98666186
60.65590448
61.32978382
62.00831504
62.69150265
62.90856912
63.63487191
64.36652754
65.10355555
65.84596384
65.92409110
66.71103151
67.50412061
68.30338320
69.10883150
69.03622713
69.88755430
70.74591220
71.61133198
72.48383113
72.24807259
73.16771473
74.09536272
75.03105526
75.97481627
75.56282209
76.55489410
77.55604749
78.56632985
79.58577289
78.98377254
80.05258403
81.13166056
82.22106021
83.32082393
82.51432652
83.66439004
84.82601867
85.99928271
87.18423403
86.15799561
87.39403531
88.64306530
89.90517009
91.18041439
89.91840387
91.24536446
92.58687491
93.94303612
95.31392780
93.79929152
95.22234759
96.66165724
98.11734031
99.58949387
97.80451858
99.32908428
100.87176188
102.43269286
104.01199438
101.93806875
103.56980789
105.22168283
106.89385974
108.58647890
106.20405336
107.94888991
109.71606335
111.50576799
113.31817053
110.60671547
112.47084443
114.35970090
116.27351109
118.21247184
115.15043407
117.14033282
119.15755226
121.20235466
123.27497110
119.83972846
121.96216854
124.11473883
126.29774223
128.51144862
124.67926274
126.94132211
129.23655207
131.56530126
133.92788335
129.67385041
132.08292619
134.52845919
137.01084938
139.53045970
134.82845924
137.39228091
139.99610896
142.64040076
145.32557464
140.14821611
142.87485933
145.64533774
148.46017283
151.31984496
145.63841219
148.53631306
151.48217572
154.47659308
157.52011486
151.30450817
154.38247812
157.51285333
160.69630618
163.93346373
157.15213969
160.41938092
163.74380793
167.12618134
170.56721426
163.18712295
166.65324450
170.18169067
173.77331986
177.42894079
169.41546050
173.09049492
176.83337356
180.64506299
184.52647796
175.84334719
179.73776791
183.70595685
187.74900005
191.86792967
271.08882972
278.62014321
286.33841136
294.24747623
302.35111240
410.14723455
423.97723164
438.23443771
452.93020218
468.07588047
613.17250606
637.65214685
663.04054731
689.36745857
716.66302355
909.58940317
951.75426516
995.75357564
1041.65896271
1089.54372462
1342.35807394
1413.48436874
1488.16883702
1566.57329217
1648.86475590
TABLA D-8
CUOTA (1=30d)
im -->>
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
FACTOR DE INTERES DEL VALOR PRESENTE PARA UNA CUOTA MEN

i =
1%
2%
3%
4%
5%
0.0830%
0.1652%
0.2466%
0.3274%
0.4074%
6%
0.4868%
0.99917115
0.99835114
0.99753980
0.99673694
0.99594241
0.99515603
1.99751413
1.99505615
1.99262545
1.99022147
1.98784370
1.98549155
2.99502963
2.99011773
2.98526298
2.98046421
2.97572026
2.97102991
3.99171834
3.98353860
3.97545843
3.96747573
3.95958842
3.95179436
4.98758094
4.97532146
4.96321779
4.95126657
4.93946445
4.92780800
5.98261812
5.96546901
5.94854707
5.93184724
5.91536454
5.89909387
6.97683056
6.95398395
6.93145224
6.90922822
6.88730484
6.86567485
7.97021895
7.94086897
7.91193926
7.88341996
7.85530139
7.82757375
8.96278396
8.92612675
8.89001408
8.85443285
8.81937022
8.78481323
9.95452628
9.90975999
9.86568265
9.82227726
9.77952725
9.73741587
10.94544660
10.89177136
10.83895087
10.78696355
10.73578836
10.68540413
11.93554558
11.87216353
11.80982465
11.74850201
11.68816936
11.62880036
12.92482393
12.85093918
12.77830989
12.70690291
12.63668598
12.56762681
13.91328230
13.82810096
13.74441246
13.66217650
13.58135392
13.50190561
14.90092139
14.80365155
14.70813822
14.61433297
14.52218878
14.43165879
15.88774187
15.77759359
15.66949301
15.56338250
15.45920612
15.35690827
16.87374443
16.74992974
16.62848269
16.50933523
16.39242143
16.27767587
17.85892973
17.72066265
17.58511305
17.45220126
17.32185013
17.19398330
18.84329846
18.68979496
18.53938991
18.39199067
18.24750759
18.10585216
19.82685130
19.65732931
19.49131905
19.32871349
19.16940912
19.01330395
20.80958891
20.62326833
20.44090626
20.26237972
20.08756995
19.91636007
21.79151198
21.58761466
21.38815729
21.19299935
21.00200526
20.81504181
22.77262118
22.55037091
22.33307789
22.12058232
21.91273017
21.70937037
23.75291718
23.51153972
23.27567379
23.04513853
22.81975973
22.59936682
24.73240067
24.47112371
24.21595072
23.96667785
23.72310894
23.48505216
25.71107230
25.42912547
25.15391438
24.88521015
24.62279273
24.36644725
26.68893277
26.38554763
26.08957045
25.80074521
25.51882597
25.24357290
27.66598273
27.34039278
27.02292462
26.71329284
26.41122347
26.11644978
28.64222286
28.29366353
27.95398255
27.62286277
27.30000000
26.98509846
29.61765383
29.24536248
28.88274989
28.52946472
28.18517023
27.84953943
30.59227631
30.19549221
29.80923228
29.43310837
29.06674881
28.70979308
31.56609098
31.14405531
30.73343533
30.33380339
29.94475030
29.56587968
32.53909849
32.09105436
31.65536465
31.23155938
30.81918923
30.41781943
33.51129953
33.03649196
32.57502584
32.12638595
31.69008004
31.26563240
34.48269476
33.98037065
33.49242448
33.01829264
32.55743713
32.10933859
35.45328484
34.92269303
34.40756613
33.90728900
33.42127485
32.94895789
36.42307044
35.86346166
35.32045635
34.79338450
34.28160746
33.78451009
37.39205224
36.80267909
36.23110068
35.67658863
35.13844921
34.61601491
38.36023090
37.74034788
37.13950463
36.55691080
35.99181424
35.44349194
39.32760707
38.67647060
38.04567373
37.43436044
36.84171666
36.26696070
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
72
84
96
108
120
40.29418144
39.61104978
38.94961346
38.30894691
37.68817053
37.08644059
41.25995465
40.54408798
39.85132932
39.18067955
38.53118984
37.90195095
42.22492739
41.47558773
40.75082678
40.04956768
39.37078852
38.71351100
43.18910030
42.40555157
41.64811130
40.91562058
40.20698046
39.52113988
44.15247406
43.33398203
42.54318831
41.77884749
41.03977947
40.32485662
45.11504932
44.26088164
43.43606325
42.63925765
41.86919933
41.12468018
46.07682675
45.18625293
44.32674153
43.49686024
42.69525374
41.92062942
47.03780701
46.11009841
45.21522857
44.35166442
43.51795637
42.71272311
47.99799075
47.03242061
46.10152975
45.20367933
44.33732080
43.50097991
48.95737865
47.95322202
46.98565045
46.05291406
45.15336059
44.28541843
49.91597136
48.87250517
47.86759604
46.89937769
45.96608923
45.06605714
50.87376953
49.79027255
48.74737186
47.74307926
46.77552015
45.84291446
51.83077383
50.70652667
49.62498325
48.58402779
47.58166673
46.61600871
52.78698491
51.62127001
50.50043554
49.42223225
48.38454230
47.38535811
53.74240344
52.53450507
51.37373404
50.25770160
49.18416013
48.15098080
54.69703007
53.44623434
52.24488405
51.09044477
49.98053343
48.91289484
55.65086545
54.35646030
53.11389085
51.92047065
50.77367539
49.67111819
56.60391024
55.26518542
53.98075973
52.74778810
51.56359910
50.42566873
57.55616510
56.17241219
54.84549592
53.57240597
52.35031762
51.17656424
58.50763068
57.07814307
55.70810470
54.39433307
53.13384397
51.92382244
69.86389148
67.83112820
65.89536304
64.05074521
62.29183257
60.61353884
81.10771380
78.37327065
75.78590510
73.33575686
71.01372687
68.81138457
92.24021090
88.70870458
85.38837309
82.26365265
79.32029325
76.54520134
103.26248501
98.84148311
94.71115752
90.84816781
87.23130920
83.84125494
114.17562744
108.77557985
103.76240452
99.10250929
94.76561045
90.72432443
TIEm = im
NTE PARA UNA CUOTA MENSUAL ORDINARIA:
PVIFm=
7%
8%
redondeo =
9%
8
10%
11%
12%
13%
14%
0.5654%
0.6434%
0.7207%
0.7974%
0.8735%
0.9489%
1.0237%
1.0979%
0.99437764
0.99360710
0.99284425
0.99208894
0.99134104
0.99060040
0.98986689
0.98914038
1.98316453
1.98086218
1.97858397
1.97632942
1.97409810
1.97188955
1.96970335
1.96753906
2.96639210
2.96180583
2.95726997
2.95278351
2.94834552
2.94395498
2.93961103
2.93531270
3.94409162
3.93647841
3.92895276
3.92151282
3.91415696
3.90688339
3.89969052
3.89257669
4.91629415
4.90492001
4.89368242
4.88257845
4.87160548
4.86076065
4.85004142
4.83944514
5.88303062
5.86717045
5.85150872
5.83604104
5.82076350
5.80567185
5.79076231
5.77603097
6.84433174
6.82326933
6.80248107
6.78196074
6.76170280
6.74170126
6.72195078
6.70244582
7.80022808
7.77325597
7.74664849
7.72039721
7.69449454
7.66893237
7.64370341
7.61880016
8.75075003
8.71716944
8.68405969
8.65140966
8.61920928
8.58744788
8.55611582
8.52520323
9.69592779
9.65504857
9.61476302
9.57505681
9.53591696
9.49732972
9.45928266
9.42176310
10.63579143
10.58693193
10.53880647
10.49139695
10.44468690
10.39865903
10.35329761
10.30858668
11.57037082
11.51285786
11.45623770
11.40048786
11.34558784
11.29151620
11.23825340
11.18577968
12.49969567
12.43286444
12.36710402
12.30238690
12.23868792
12.17598087
12.11424185
12.05344670
13.42379551
13.34698951
13.27145242
13.19715098
13.12405469
13.05213193
12.98135381
12.91169118
14.34269974
14.25527067
14.16932953
14.08483652
14.00175510
13.92004753
13.83967922
13.76061544
15.25643755
15.15774528
15.06078165
14.96549953
14.87185553
14.77980506
14.68930714
14.60032071
16.16503800
16.05445046
15.94585478
15.83919557
15.73442181
15.63148122
15.53032568
15.43090710
17.06852997
16.94542310
16.82459454
16.70597974
16.58951916
16.47515196
16.36282209
16.25247363
17.96694219
17.83069985
17.69704626
17.56590674
17.43721226
17.31089254
17.18688272
17.06511825
18.86030320
18.71031710
18.56325494
18.41903081
18.27756522
18.13877749
18.00259305
17.86893787
19.74864142
19.58431106
19.42326526
19.26540577
19.11064161
18.95888065
18.81003771
18.66402830
20.63198509
20.45271766
20.27712155
20.10508501
19.93650441
19.77127517
19.60930044
19.45048435
21.51036227
21.31557263
21.12486787
20.93812150
20.75521611
20.57603351
20.40046415
20.22839978
22.38380090
22.17291145
21.96654793
21.76456779
21.56683862
21.37322744
21.18361091
20.99786735
23.25232875
23.02476939
22.80220514
22.58447601
22.37143332
22.16292807
21.95882197
21.75897878
24.11597342
23.87118149
23.63188260
23.39789790
23.16906107
22.94520583
22.72617772
22.51182483
24.97476236
24.71218257
24.45562310
24.20488476
23.95978220
23.72013050
23.48575778
23.25649526
25.82872289
25.54780721
25.27346912
25.00548750
24.74365650
24.48777118
24.23764092
23.99307885
26.67788214
26.37808979
26.08546284
25.79975663
25.52074327
25.24819634
24.98190516
24.72166341
27.52226712
27.20306446
26.89164614
26.58774225
26.29110128
26.00147382
25.71862768
25.44233582
28.36190465
28.02276515
27.69206060
27.36949407
27.05478880
26.74767079
26.44788492
26.15518200
29.19682145
28.83722557
28.48674750
28.14506141
27.81186357
27.48685381
27.16975251
26.86028694
30.02704403
29.64647924
29.27574781
28.91449320
28.56238287
28.21908880
27.88430533
27.55773471
30.85259881
30.45055942
30.05910224
29.67783796
29.30640345
28.94444107
28.59161752
28.24760845
31.67351203
31.24949921
30.83685119
30.43514386
30.04398159
29.66297533
29.29176243
28.92999043
32.48980977
32.04333145
31.60903476
31.18645868
30.77517307
30.37475565
29.98481270
29.60496199
33.30151799
32.83208881
32.37569278
31.93182980
31.50003319
31.07984553
30.67084022
30.27260361
34.10866250
33.61580372
33.13686479
32.67130424
32.21861678
31.77830784
31.34991615
30.93299490
34.91126894
34.39450842
33.89259005
33.40492866
32.93097819
32.47020488
32.02211092
31.58621459
35.70936285
35.16823494
34.64290753
34.13274934
33.63717129
33.15559837
32.68749427
32.23234056
36.50296958
35.93701511
35.38785593
34.85481219
34.33724950
33.83454944
33.34613522
32.87144984
37.29211438
36.70088054
36.12747367
35.57116276
35.03126575
34.50711863
33.99810209
33.50361864
38.07682231
37.45986266
36.86179889
36.28184624
35.71927255
35.17336595
34.64346251
34.12892232
38.85711834
38.21399268
37.59086946
36.98690746
36.40132193
35.83335081
35.28228342
34.74743544
39.63302725
38.96330163
38.31472299
37.68639090
37.07746547
36.48713208
35.91463108
35.35923174
40.40457373
39.70782033
39.03339681
38.38034069
37.74775431
37.13476806
36.54057110
35.96438416
41.17178230
40.44757939
39.74692798
39.06880061
38.41223915
37.77631653
37.16016840
36.56296485
41.93467735
41.18260924
40.45535330
39.75181407
39.07097025
38.41183469
37.77348726
37.15504518
42.69328312
41.91294013
41.15870932
40.42942419
39.72399742
39.04137924
38.38059129
37.74069575
43.44762374
42.63860208
41.85703229
41.10167369
40.37137005
39.66500633
38.98154346
38.31998636
44.19772318
43.35962496
42.55035824
41.76860498
41.01313711
40.28277157
39.57640613
38.89298610
44.94360529
44.07603840
43.23872293
42.43026015
41.64934714
40.89473006
40.16524098
39.45976328
45.68529379
44.78787189
43.92216185
43.08668092
42.28004826
41.50093639
40.74810911
40.02038547
46.42281225
45.49515470
44.60071026
43.73790871
42.90528815
42.10144463
41.32507097
40.57491952
47.15618411
46.19791592
45.27440315
44.38398461
43.52511413
42.69630832
41.89618641
41.12343153
47.88543269
46.89618447
45.94327526
45.02494936
44.13957305
43.28558054
42.46151468
41.66598691
48.61058117
47.58998905
46.60736110
45.66084340
44.74871141
43.86931383
43.02111441
42.20265034
49.33165261
48.27935821
47.26669490
46.29170685
45.35257526
44.44756027
43.57504366
42.73348581
50.04866992
48.96432030
47.92131068
46.91757950
45.95121028
45.02037142
44.12335989
43.25855661
50.76165590
49.64490351
48.57124220
47.53850084
46.54466174
45.58779837
44.66611997
43.77792533
59.01116812
57.48036117
56.01701212
54.61730703
53.27771744
51.99490902
50.76579524
49.58746946
66.72099220
64.73541457
62.84799397
61.05258541
59.34353367
57.71554373
56.16373825
54.68356091
73.92643487
71.45305661
69.11495004
66.90283852
64.80823322
62.82325347
60.94067920
59.15381668
80.66049306
77.67309555
74.86445125
72.22125046
69.73138619
67.38370876
65.16806080
63.07509376
86.95400505
83.43239087
80.13922321
77.05617043
74.16665934
71.45554397
68.90910666
66.51481057
(1+i)^(30/360) -1)
(1/im)*(1-(1/(1+im)^n))
15%
16%
17%
18%
19%
20%
21%
22%
1.1715%
1.2445%
1.3170%
1.3888%
1.4602%
1.5309%
1.6012%
1.6709%
0.98842073
0.98770784
0.98700157
0.98630182
0.98560845
0.98492138
0.98424047
0.98356564
1.96539627
1.96327461
1.96117368
1.95909309
1.95703247
1.95499149
1.95296977
1.95096701
2.93105915
2.92684956
2.92268309
2.91855889
2.91447619
2.91043429
2.90643235
2.90246976
3.88554035
3.87858009
3.87169438
3.86488175
3.85814082
3.85147032
3.84486881
3.83833517
4.82896936
4.81861179
4.80837002
4.79824170
4.78822464
4.77831682
4.76851596
4.75882023
5.76147415
5.74708847
5.73287036
5.71881632
5.70492312
5.69118775
5.67760685
5.66417772
6.68318122
6.66415216
6.64535364
6.62678074
6.60842889
6.59029384
6.57237091
6.55465623
7.59421559
7.56994316
7.54597608
7.52230770
7.49893182
7.47584266
7.45303390
7.43050029
8.49470085
8.46460003
8.43489184
8.40556756
8.37661902
8.34803861
8.31981805
8.29195043
9.38475915
9.34825963
9.31225310
9.27672837
9.24167495
9.20708305
9.17294209
9.13924318
10.26451122
10.22105714
10.17821004
10.13595586
10.09428138
10.05317428
10.01262130
9.97261122
11.13407641
11.08312608
11.03291091
10.98341349
10.93461749
10.88650762
10.83906756
10.79228338
11.99357266
11.93459834
11.87650201
11.81926249
11.76285985
11.70727543
11.65248942
11.59848477
12.84311658
12.77560415
12.70912775
12.64366188
12.57918253
12.51566720
12.45309213
12.39143675
13.68282340
13.60627219
13.53093067
13.45676849
13.38375706
13.31186953
13.24107771
13.17135707
14.51280702
14.42672952
14.34205145
14.25873702
14.17675251
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64.26124841
62.13802757
60.13561441
58.24528224
56.45905960
54.76965614
53.17032995
51.65494984
23%
24%
25%
26%
27%
28%
29%
30%
1.7401%
1.8088%
1.8769%
1.9446%
2.0118%
2.0785%
2.1447%
2.2104%
0.98289677
0.98223377
0.98157653
0.98092496
0.98027898
0.97963848
0.97900338
0.97837359
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50.21780962
48.85371484
47.55783679
46.32577432
45.15342478
44.03697909
42.97297724
41.95815072
31%
32%
33%
34%
35%
36%
37%
38%
2.2757%
2.3406%
2.4050%
2.4689%
2.5324%
2.5955%
2.6581%
2.7204%
0.97774902
0.97712961
0.97651525
0.97590588
0.97530141
0.97470178
0.97410690
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3.78238645
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14.76705831
14.68488398
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40.98951528
40.06430063
39.17990608
38.33395467
37.52419612
36.74858509
36.00516717
35.29214387
39%
40%
41%
42%
43%
44%
45%
46%
2.7822%
2.8436%
2.9046%
2.9653%
3.0255%
3.0853%
3.1448%
3.2039%
0.97293113
0.97235010
0.97177354
0.97120141
0.97063362
0.97007012
0.96951083
0.96895572
1.91952611
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32.35764698
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34.60785842
33.95073049
33.31930412
32.71221700
32.12817442
31.56600145
31.02455947
30.50280732
47%
48%
49%
50%
3.2626%
3.3210%
3.3790%
3.4366%
0.96840470
0.96785773
0.96731475
0.96677571
1.90621237
1.90460633
1.90301259
1.90143098
2.81438972
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23.62718067
23.38753695
23.15308422
24.08633131
23.83560731
23.59042430
23.35061512
24.29372120
24.03733463
23.78668022
23.54158318
24.49455855
24.23257799
23.97652147
23.72620647
24.68905038
24.42154578
24.16015772
23.90469579
24.87739719
24.60443972
24.33779176
24.07725492
25.05979312
24.78145503
24.50961980
24.24408089
25.23642620
24.95278067
24.67583159
24.40536420
25.40747850
25.11859952
24.83661071
24.56128897
25.57312636
25.27908857
24.99213473
24.71203326
25.73354052
25.43441914
25.14257540
24.85776918
25.88888635
25.58475703
25.28809889
24.99866312
26.03932398
25.73026273
25.42886590
25.13487596
26.18500849
25.87109154
25.56503191
25.26656323
27.61268007
27.24641878
26.89027194
26.54386202
28.58388525
28.17569398
27.77969481
27.39539458
29.24456906
28.80358266
28.37662292
27.96308297
29.69401384
29.22783178
28.77724582
28.34154191
29.99975859
29.51448661
29.04612025
28.59384788
TABLA D-9
CUOTA (1=30d)
im -->>
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
FACTOR DE INTERES DE CUOTA MENSUAL ORDINARIA PARA U

i =
1%
2%
3%
4%
5%
0.0830%
0.1652%
0.2466%
0.3274%
0.4074%
6%
0.4868%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
0.49979270
0.49958745
0.49938419
0.49918290
0.49898354
0.49878607
0.33305697
0.33278341
0.33251259
0.33224446
0.33197897
0.33171607
0.24968914
0.24938151
0.24907705
0.24877569
0.24847738
0.24818205
0.19966846
0.19934046
0.19901592
0.19869478
0.19837698
0.19806243
0.16632136
0.16597983
0.16564201
0.16530781
0.16497717
0.16465001
0.14250202
0.14215088
0.14180364
0.14146023
0.14112056
0.14078456
0.12463753
0.12427922
0.12392499
0.12357476
0.12322844
0.12288596
0.11074294
0.11037909
0.11001949
0.10966404
0.10931266
0.10896526
0.09962727
0.09925904
0.09889519
0.09853564
0.09818031
0.09782910
0.09053265
0.09016085
0.08979358
0.08943075
0.08907228
0.08871805
0.08295381
0.08257907
0.08220899
0.08184349
0.08148248
0.08112584
0.07654095
0.07616374
0.07579134
0.07542364
0.07506055
0.07470197
0.07104423
0.07066493
0.07029057
0.06992104
0.06955624
0.06919607
0.06628040
0.06589932
0.06552330
0.06515224
0.06478602
0.06442455
0.06211207
0.06172944
0.06135200
0.06097964
0.06061225
0.06024972
0.05843413
0.05805016
0.05767151
0.05729805
0.05692968
0.05656628
0.05516486
0.05477972
0.05440001
0.05402562
0.05365643
0.05329233
0.05223973
0.05185355
0.05147294
0.05109775
0.05072788
0.05036321
0.04960711
0.04922003
0.04883862
0.04846276
0.04809233
0.04772720
0.04722523
0.04683734
0.04645524
0.04607880
0.04570791
0.04534243
0.04505989
0.04467128
0.04428858
0.04391165
0.04354038
0.04317463
0.04308284
0.04269359
0.04231036
0.04193303
0.04156145
0.04119551
0.04127055
0.04088073
0.04049704
0.04011936
0.03974755
0.03938148
0.03960325
0.03921291
0.03882883
0.03845086
0.03807887
0.03771273
0.03806421
0.03767341
0.03728897
0.03691077
0.03653866
0.03617249
0.03663917
0.03624796
0.03586322
0.03548483
0.03511264
0.03474649
0.03531593
0.03492434
0.03453935
0.03416081
0.03378857
0.03342249
0.03408395
0.03369202
0.03330681
0.03292816
0.03255592
0.03218994
0.03293411
0.03254188
0.03215647
0.03177774
0.03140553
0.03103969
0.03185845
0.03146595
0.03108038
0.03070160
0.03032945
0.02996377
0.03085002
0.03045728
0.03007158
0.02969278
0.02932072
0.02895522
0.02990272
0.02950975
0.02912395
0.02874515
0.02837320
0.02800792
0.02901114
0.02861798
0.02823209
0.02785332
0.02748150
0.02711645
0.02817051
0.02777717
0.02739123
0.02701250
0.02664083
0.02627604
0.02737659
0.02698310
0.02659711
0.02621844
0.02584694
0.02548242
0.02662559
0.02623195
0.02584593
0.02546736
0.02509604
0.02473181
0.02591411
0.02552035
0.02513433
0.02475585
0.02438473
0.02402081
0.02523912
0.02484526
0.02445924
0.02408087
0.02370998
0.02334637
0.02459789
0.02420393
0.02381793
0.02343969
0.02306902
0.02270576
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
72
84
96
108
120
0.02398794
0.02359390
0.02320793
0.02282982
0.02245940
0.02209648
0.02340704
0.02301293
0.02262700
0.02224904
0.02187888
0.02151632
0.02285315
0.02245899
0.02207311
0.02169532
0.02132542
0.02096323
0.02232445
0.02193024
0.02154442
0.02116680
0.02079718
0.02043536
0.02181925
0.02142500
0.02103926
0.02066182
0.02029248
0.01993105
0.02133601
0.02094173
0.02055607
0.02017883
0.01980979
0.01944875
0.02087334
0.02047904
0.02009348
0.01971643
0.01934769
0.01898705
0.02042995
0.02003564
0.01965017
0.01927333
0.01890490
0.01854468
0.02000467
0.01961035
0.01922498
0.01884835
0.01848024
0.01812044
0.01959639
0.01920208
0.01881682
0.01844041
0.01807263
0.01771325
0.01920413
0.01880982
0.01842469
0.01804850
0.01768105
0.01732210
0.01882696
0.01843266
0.01804766
0.01767170
0.01730458
0.01694607
0.01846402
0.01806975
0.01768487
0.01730916
0.01694238
0.01658431
0.01811452
0.01772028
0.01733554
0.01696007
0.01659364
0.01623602
0.01777774
0.01738353
0.01699893
0.01662371
0.01625763
0.01590046
0.01745299
0.01705881
0.01667436
0.01629939
0.01593367
0.01557696
0.01713963
0.01674550
0.01636120
0.01598649
0.01562113
0.01526487
0.01683708
0.01644299
0.01605885
0.01568440
0.01531941
0.01496362
0.01654479
0.01615075
0.01576677
0.01539259
0.01502796
0.01467264
0.01626225
0.01586826
0.01548444
0.01511053
0.01474628
0.01439143
0.01348401
0.01309091
0.01270930
0.01233888
0.01197935
0.01163041
0.01149974
0.01110787
0.01072880
0.01036217
0.01000766
0.00966493
0.01001172
0.00962127
0.00924493
0.00888230
0.00853299
0.00819663
0.00885452
0.00846563
0.00809215
0.00773364
0.00738965
0.00705975
0.00792890
0.00754166
0.00717113
0.00681682
0.00647823
0.00615485
TIEm = im
SUAL ORDINARIA PARA UN VALOR FUTURO:
CMFm=
7%
8%
redondeo =
9%
8
10%
11%
12%
13%
14%
0.5654%
0.6434%
0.7207%
0.7974%
0.8735%
0.9489%
1.0237%
1.0979%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
0.49859045
0.49839665
0.49820464
0.49801438
0.49782585
0.49763900
0.49745382
0.49727027
0.33145570
0.33119783
0.33094240
0.33068936
0.33043868
0.33019032
0.32994422
0.32970036
0.24788966
0.24760013
0.24731343
0.24702949
0.24674827
0.24646971
0.24619377
0.24592039
0.19775109
0.19744289
0.19713778
0.19683568
0.19653655
0.19624033
0.19594697
0.19565641
0.16432627
0.16400588
0.16368878
0.16337489
0.16306418
0.16275656
0.16245200
0.16215042
0.14045215
0.14012328
0.13979787
0.13947584
0.13915715
0.13884172
0.13852950
0.13822042
0.12254723
0.12221219
0.12188076
0.12155287
0.12122846
0.12090746
0.12058980
0.12027541
0.10862177
0.10828211
0.10794620
0.10761396
0.10728533
0.10696024
0.10663862
0.10632041
0.09748193
0.09713873
0.09679940
0.09646388
0.09613210
0.09580396
0.09547942
0.09515840
0.08836800
0.08802204
0.08768009
0.08734205
0.08700787
0.08667746
0.08635074
0.08602766
0.08077350
0.08042538
0.08008137
0.07974140
0.07940540
0.07907328
0.07874496
0.07842037
0.07434780
0.07399796
0.07365235
0.07331090
0.07297352
0.07264012
0.07231063
0.07198497
0.06884043
0.06848923
0.06814238
0.06779979
0.06746137
0.06712705
0.06679673
0.06647034
0.06406773
0.06371546
0.06336765
0.06302420
0.06268503
0.06235005
0.06201917
0.06169232
0.05989195
0.05953884
0.05919030
0.05884622
0.05850652
0.05817110
0.05783989
0.05751280
0.05620775
0.05585399
0.05550490
0.05516038
0.05482034
0.05448467
0.05415331
0.05382615
0.05293320
0.05257896
0.05222948
0.05188467
0.05154443
0.05120868
0.05087731
0.05055025
0.05000362
0.04964902
0.04929928
0.04895432
0.04861403
0.04827831
0.04794707
0.04762022
0.04736727
0.04701242
0.04666254
0.04631753
0.04597729
0.04564172
0.04531071
0.04498419
0.04498224
0.04462725
0.04427733
0.04393237
0.04359228
0.04325694
0.04292626
0.04260015
0.04281428
0.04245923
0.04210934
0.04176452
0.04142465
0.04108964
0.04075937
0.04043375
0.04083507
0.04048003
0.04013025
0.03978564
0.03944607
0.03911144
0.03878165
0.03845660
0.03902102
0.03866605
0.03831645
0.03797210
0.03763289
0.03729872
0.03696947
0.03664503
0.03735230
0.03699746
0.03664809
0.03630406
0.03596527
0.03563160
0.03530294
0.03497919
0.03581214
0.03545749
0.03510839
0.03476474
0.03442642
0.03409330
0.03376528
0.03344225
0.03438627
0.03403184
0.03368307
0.03333983
0.03300202
0.03266949
0.03234216
0.03201989
0.03306244
0.03270827
0.03235986
0.03201708
0.03167981
0.03134792
0.03102130
0.03069984
0.03183008
0.03147622
0.03112821
0.03078592
0.03044922
0.03011800
0.02979213
0.02947150
0.03068007
0.03032653
0.02997895
0.02963718
0.02930109
0.02897057
0.02864548
0.02832572
0.02960441
0.02925124
0.02890411
0.02856289
0.02822744
0.02789764
0.02757337
0.02725449
0.02859615
0.02824337
0.02789672
0.02755607
0.02722129
0.02689224
0.02656880
0.02625083
0.02764916
0.02729679
0.02695065
0.02661059
0.02627649
0.02594822
0.02562563
0.02530860
0.02675803
0.02640609
0.02606047
0.02572104
0.02538765
0.02506016
0.02473845
0.02442238
0.02591797
0.02556648
0.02522141
0.02488261
0.02454995
0.02422327
0.02390245
0.02358736
0.02512473
0.02477371
0.02442920
0.02409106
0.02375913
0.02343329
0.02311338
0.02279927
0.02437451
0.02402398
0.02368005
0.02334257
0.02301141
0.02268640
0.02236742
0.02205432
0.02366392
0.02331388
0.02297055
0.02263376
0.02230337
0.02197922
0.02166117
0.02134909
0.02298990
0.02264038
0.02229765
0.02196156
0.02163195
0.02130868
0.02099158
0.02068053
0.02234971
0.02200072
0.02165862
0.02132324
0.02099443
0.02067203
0.02035590
0.02004589
0.02174088
0.02139243
0.02105096
0.02071630
0.02038830
0.02006680
0.01975164
0.01944269
0.02116117
0.02081327
0.02047245
0.02013852
0.01981134
0.01949074
0.01917657
0.01886867
0.02060855
0.02026121
0.01992104
0.01958785
0.01926150
0.01894181
0.01862863
0.01832181
0.02008116
0.01973439
0.01939488
0.01906245
0.01873694
0.01841817
0.01810600
0.01780025
0.01957733
0.01923115
0.01889231
0.01856064
0.01823597
0.01791813
0.01760697
0.01730231
0.01909552
0.01874993
0.01841177
0.01808087
0.01775705
0.01744015
0.01713000
0.01682644
0.01863433
0.01828933
0.01795186
0.01762173
0.01729878
0.01698282
0.01667369
0.01637123
0.01819246
0.01784806
0.01751129
0.01718194
0.01685986
0.01654485
0.01623675
0.01593540
0.01776874
0.01742495
0.01708887
0.01676032
0.01643911
0.01612506
0.01581800
0.01551775
0.01736207
0.01701890
0.01668353
0.01635577
0.01603544
0.01572235
0.01541633
0.01511719
0.01697145
0.01662890
0.01629424
0.01596729
0.01564784
0.01533572
0.01503074
0.01473273
0.01659596
0.01625403
0.01592010
0.01559395
0.01527539
0.01496424
0.01466031
0.01436342
0.01623473
0.01589344
0.01556023
0.01523489
0.01491723
0.01460705
0.01430418
0.01400842
0.01588698
0.01554633
0.01521385
0.01488932
0.01457256
0.01426336
0.01396155
0.01366692
0.01555198
0.01521197
0.01488022
0.01455651
0.01424065
0.01393244
0.01363168
0.01333819
0.01522903
0.01488967
0.01455865
0.01423577
0.01392082
0.01361359
0.01331390
0.01302154
0.01491750
0.01457879
0.01424852
0.01392646
0.01361242
0.01330619
0.01300756
0.01271634
0.01461681
0.01427876
0.01394923
0.01362800
0.01331487
0.01300963
0.01271208
0.01242200
0.01432640
0.01398900
0.01366022
0.01333983
0.01302762
0.01272338
0.01242689
0.01213796
0.01404576
0.01370902
0.01338099
0.01306144
0.01275015
0.01244690
0.01215149
0.01186371
0.01129179
0.01096322
0.01064440
0.01033507
0.01003498
0.00974386
0.00946146
0.00918753
0.00933364
0.00901347
0.00870409
0.00840518
0.00811645
0.00783757
0.00756824
0.00730818
0.00787281
0.00756117
0.00726133
0.00697291
0.00669555
0.00642888
0.00617256
0.00592623
0.00674349
0.00644044
0.00615015
0.00587220
0.00560615
0.00535159
0.00510810
0.00487527
0.00584618
0.00555172
0.00527096
0.00500341
0.00474856
0.00450593
0.00427503
0.00405540
(1+i)^(30/360) -1)
im/((1+im)^n -1)
15%
16%
17%
18%
19%
20%
21%
22%
1.1715%
1.2445%
1.3170%
1.3888%
1.4602%
1.5309%
1.6012%
1.6709%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
0.49708833
0.49690796
0.49672914
0.49655184
0.49637604
0.49620171
0.49602883
0.49585737
0.32945868
0.32921916
0.32898175
0.32874642
0.32851314
0.32828186
0.32805256
0.32782521
0.24564954
0.24538117
0.24511524
0.24485170
0.24459051
0.24433163
0.24407503
0.24382066
0.19536861
0.19508351
0.19480107
0.19452125
0.19424398
0.19396924
0.19369698
0.19342716
0.16185177
0.16155601
0.16126308
0.16097293
0.16068551
0.16040078
0.16011868
0.15983917
0.13791442
0.13761146
0.13731147
0.13701440
0.13672021
0.13642883
0.13614022
0.13585434
0.11996425
0.11965625
0.11935135
0.11904950
0.11875064
0.11845471
0.11816168
0.11787148
0.10600553
0.10569393
0.10538556
0.10508034
0.10477822
0.10447915
0.10418307
0.10388993
0.09484082
0.09452664
0.09421579
0.09390819
0.09360380
0.09330256
0.09300441
0.09270929
0.08570813
0.08539210
0.08507949
0.08477025
0.08446430
0.08416160
0.08386208
0.08356568
0.07809944
0.07778211
0.07746830
0.07715795
0.07685098
0.07654735
0.07624699
0.07594984
0.07166307
0.07134486
0.07103027
0.07071922
0.07041165
0.07010750
0.06980670
0.06950920
0.06614780
0.06582904
0.06551400
0.06520258
0.06489473
0.06459039
0.06428947
0.06399193
0.06136941
0.06105038
0.06073514
0.06042362
0.06011575
0.05981146
0.05951068
0.05921336
0.05718974
0.05687064
0.05655542
0.05624401
0.05593633
0.05563231
0.05533188
0.05503498
0.05350312
0.05318414
0.05286912
0.05255799
0.05225067
0.05194709
0.05164718
0.05135086
0.05022739
0.04990867
0.04959400
0.04928329
0.04897648
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0.04729766
0.04697933
0.04666512
0.04635497
0.04604878
0.04574648
0.04544800
0.04515327
0.04466204
0.04434420
0.04403057
0.04372106
0.04341560
0.04311411
0.04281651
0.04252272
0.04227851
0.04196125
0.04164828
0.04133951
0.04103487
0.04073427
0.04043763
0.04014487
0.04011269
0.03979609
0.03948386
0.03917591
0.03887216
0.03857252
0.03827691
0.03798526
0.03813618
0.03782031
0.03750888
0.03720182
0.03689902
0.03660042
0.03630591
0.03601543
0.03632532
0.03601024
0.03569968
0.03539355
0.03509177
0.03479425
0.03450090
0.03421164
0.03466024
0.03434599
0.03403635
0.03373121
0.03343050
0.03313411
0.03284196
0.03255397
0.03312410
0.03281074
0.03250206
0.03219796
0.03189835
0.03160314
0.03131224
0.03102556
0.03170259
0.03139015
0.03108247
0.03077944
0.03048098
0.03018699
0.02989737
0.02961204
0.03038342
0.03007194
0.02976529
0.02946338
0.02916610
0.02887335
0.02858505
0.02830111
0.02915600
0.02884551
0.02853993
0.02823916
0.02794309
0.02765163
0.02736467
0.02708214
0.02801116
0.02770169
0.02739721
0.02709760
0.02680277
0.02651262
0.02622704
0.02594594
0.02694090
0.02663248
0.02632912
0.02603071
0.02573714
0.02544831
0.02516413
0.02488449
0.02593824
0.02563089
0.02532867
0.02503147
0.02473919
0.02445172
0.02416895
0.02389079
0.02499702
0.02469076
0.02438971
0.02409375
0.02380277
0.02351667
0.02323533
0.02295868
0.02411183
0.02380668
0.02350681
0.02321210
0.02292244
0.02263773
0.02235785
0.02208271
0.02327786
0.02297383
0.02267516
0.02238173
0.02209341
0.02181010
0.02153169
0.02125807
0.02249084
0.02218796
0.02189050
0.02159835
0.02131138
0.02102949
0.02075256
0.02048049
0.02174697
0.02144524
0.02114902
0.02085816
0.02057256
0.02029210
0.02001666
0.01974614
0.02104284
0.02074228
0.02044729
0.02015775
0.01987352
0.01959450
0.01932057
0.01905161
0.02037538
0.02007601
0.01978227
0.01949405
0.01921121
0.01893364
0.01866122
0.01839384
0.01974186
0.01944368
0.01915121
0.01886431
0.01858287
0.01830676
0.01803586
0.01777006
0.01913979
0.01884280
0.01855160
0.01826605
0.01798601
0.01771137
0.01744200
0.01717779
0.01856691
0.01827114
0.01798122
0.01769701
0.01741839
0.01714522
0.01687739
0.01661477
0.01802119
0.01772664
0.01743801
0.01715516
0.01687796
0.01660627
0.01633998
0.01607895
0.01750079
0.01720746
0.01692012
0.01663864
0.01636286
0.01609266
0.01582792
0.01556850
0.01700400
0.01671191
0.01642587
0.01614575
0.01587141
0.01560271
0.01533951
0.01508170
0.01652930
0.01623844
0.01595372
0.01567497
0.01540206
0.01513485
0.01487321
0.01461701
0.01607527
0.01578566
0.01550224
0.01522487
0.01495340
0.01468770
0.01442762
0.01417303
0.01564061
0.01535225
0.01507015
0.01479416
0.01452414
0.01425994
0.01400142
0.01374845
0.01522415
0.01493704
0.01465626
0.01438166
0.01411308
0.01385039
0.01359344
0.01334208
0.01482478
0.01453893
0.01425948
0.01398627
0.01371914
0.01345796
0.01320257
0.01295284
0.01444151
0.01415692
0.01387880
0.01360698
0.01334130
0.01308163
0.01282781
0.01257970
0.01407340
0.01379007
0.01351328
0.01324286
0.01297864
0.01272049
0.01246823
0.01222174
0.01371959
0.01343754
0.01316208
0.01289305
0.01263029
0.01237365
0.01212297
0.01187810
0.01337930
0.01309851
0.01282439
0.01255676
0.01229546
0.01204034
0.01179122
0.01154798
0.01305177
0.01277226
0.01249948
0.01223325
0.01197341
0.01171980
0.01147226
0.01123063
0.01273634
0.01245810
0.01218666
0.01192183
0.01166346
0.01141136
0.01116539
0.01092538
0.01243235
0.01215539
0.01188529
0.01162187
0.01136495
0.01111438
0.01086997
0.01063159
0.01213922
0.01186354
0.01159479
0.01133277
0.01107731
0.01082825
0.01058542
0.01034865
0.01185640
0.01158200
0.01131459
0.01105397
0.01079998
0.01055244
0.01031117
0.01007602
0.01158336
0.01131025
0.01104418
0.01078497
0.01053244
0.01028641
0.01004671
0.00981317
0.00892184
0.00866414
0.00841420
0.00817181
0.00793673
0.00770876
0.00748768
0.00727329
0.00705709
0.00681470
0.00658072
0.00635488
0.00613693
0.00592660
0.00572364
0.00552781
0.00568955
0.00546219
0.00524382
0.00503412
0.00483278
0.00463949
0.00445396
0.00427590
0.00465270
0.00444000
0.00423678
0.00404268
0.00385732
0.00368036
0.00351144
0.00335023
0.00384656
0.00364806
0.00345947
0.00328034
0.00311026
0.00294882
0.00279561
0.00265027
23%
24%
25%
26%
27%
28%
29%
30%
1.7401%
1.8088%
1.8769%
1.9446%
2.0118%
2.0785%
2.1447%
2.2104%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
0.49568731
0.49551863
0.49535131
0.49518532
0.49502065
0.49485726
0.49469515
0.49453430
0.32759976
0.32737619
0.32715447
0.32693456
0.32671645
0.32650010
0.32628548
0.32607257
0.24356848
0.24331847
0.24307058
0.24282479
0.24258105
0.24233933
0.24209960
0.24186184
0.19315972
0.19289464
0.19263188
0.19237139
0.19211315
0.19185711
0.19160324
0.19135149
0.15956221
0.15928776
0.15901576
0.15874619
0.15847901
0.15821416
0.15795162
0.15769134
0.13557113
0.13529055
0.13501255
0.13473710
0.13446415
0.13419364
0.13392557
0.13365986
0.11758407
0.11729939
0.11701740
0.11673807
0.11646133
0.11618715
0.11591549
0.11564629
0.10359967
0.10331226
0.10302762
0.10274574
0.10246654
0.10218999
0.10191605
0.10164467
0.09241715
0.09212794
0.09184160
0.09155810
0.09127737
0.09099937
0.09072406
0.09045139
0.08327235
0.08298203
0.08269467
0.08241023
0.08212864
0.08184986
0.08157384
0.08130054
0.07565583
0.07536493
0.07507706
0.07479218
0.07451024
0.07423117
0.07395495
0.07368150
0.06921492
0.06892382
0.06863584
0.06835092
0.06806900
0.06779004
0.06751399
0.06724078
0.06369770
0.06340672
0.06311892
0.06283426
0.06255268
0.06227412
0.06199854
0.06172587
0.05891942
0.05862880
0.05834145
0.05805730
0.05777629
0.05749838
0.05722350
0.05695160
0.05474153
0.05445148
0.05416476
0.05388132
0.05360109
0.05332401
0.05305003
0.05277909
0.05105808
0.05076876
0.05048284
0.05020027
0.04992097
0.04964489
0.04937197
0.04910215
0.04778666
0.04749821
0.04721323
0.04693165
0.04665342
0.04637847
0.04610674
0.04583817
0.04486220
0.04457474
0.04429081
0.04401035
0.04373330
0.04345958
0.04318915
0.04292194
0.04223267
0.04194629
0.04166351
0.04138426
0.04110848
0.04083610
0.04056706
0.04030129
0.03985592
0.03957071
0.03928915
0.03901120
0.03873677
0.03846580
0.03819823
0.03793399
0.03769748
0.03741351
0.03713326
0.03685666
0.03658366
0.03631417
0.03604814
0.03578549
0.03572888
0.03544621
0.03516731
0.03489214
0.03462062
0.03435267
0.03408823
0.03382723
0.03392638
0.03364506
0.03336758
0.03309388
0.03282389
0.03255753
0.03229474
0.03203544
0.03227005
0.03199012
0.03171411
0.03144193
0.03117352
0.03090879
0.03064768
0.03039012
0.03074302
0.03046453
0.03019001
0.02991939
0.02965260
0.02938954
0.02913016
0.02887437
0.02933091
0.02905390
0.02878092
0.02851189
0.02824675
0.02798539
0.02772777
0.02747379
0.02802142
0.02774592
0.02747450
0.02720710
0.02694363
0.02668401
0.02642817
0.02617603
0.02680393
0.02652996
0.02626013
0.02599438
0.02573262
0.02547475
0.02522072
0.02497044
0.02566923
0.02539681
0.02512861
0.02486453
0.02460449
0.02434841
0.02409621
0.02384781
0.02460930
0.02433847
0.02407190
0.02380952
0.02355123
0.02329695
0.02304660
0.02280009
0.02361714
0.02334791
0.02308300
0.02282233
0.02256580
0.02231334
0.02206485
0.02182027
0.02268659
0.02241897
0.02215573
0.02189679
0.02164204
0.02139141
0.02114481
0.02090214
0.02181219
0.02154621
0.02128466
0.02102745
0.02077450
0.02052571
0.02028100
0.02004028
0.02098914
0.02072480
0.02046496
0.02020951
0.01995836
0.01971143
0.01946862
0.01922984
0.02021316
0.01995048
0.01969234
0.01943866
0.01918933
0.01894426
0.01870336
0.01846654
0.01948042
0.01921941
0.01896299
0.01871108
0.01846358
0.01822038
0.01798140
0.01774655
0.01878752
0.01852818
0.01827349
0.01802336
0.01777769
0.01753637
0.01729932
0.01706643
0.01813137
0.01787372
0.01762077
0.01737243
0.01712860
0.01688916
0.01665404
0.01642312
0.01750923
0.01725327
0.01700207
0.01675552
0.01651353
0.01627598
0.01604279
0.01581385
0.01691860
0.01666434
0.01641488
0.01617014
0.01592999
0.01569434
0.01546308
0.01523613
0.01635723
0.01610467
0.01585697
0.01561403
0.01537573
0.01514197
0.01491266
0.01468768
0.01582307
0.01557222
0.01532628
0.01508514
0.01484870
0.01461684
0.01438946
0.01416647
0.01531427
0.01506513
0.01482095
0.01458162
0.01434703
0.01411707
0.01389164
0.01367062
0.01482914
0.01458171
0.01433929
0.01410177
0.01386904
0.01364098
0.01341748
0.01319844
0.01436612
0.01412040
0.01387975
0.01364405
0.01341317
0.01318700
0.01296545
0.01274839
0.01392380
0.01367981
0.01344092
0.01320702
0.01297800
0.01275374
0.01253412
0.01231904
0.01350089
0.01325861
0.01302149
0.01278941
0.01256225
0.01233988
0.01212219
0.01190908
0.01309619
0.01285564
0.01262029
0.01239002
0.01216470
0.01194423
0.01172848
0.01151734
0.01270862
0.01246978
0.01223620
0.01200774
0.01178428
0.01156570
0.01135188
0.01114270
0.01233715
0.01210004
0.01186822
0.01164157
0.01141996
0.01120327
0.01099137
0.01078416
0.01198087
0.01174547
0.01151541
0.01129057
0.01107081
0.01085600
0.01064603
0.01044078
0.01163890
0.01140522
0.01117692
0.01095389
0.01073597
0.01052305
0.01031499
0.01011169
0.01131044
0.01107848
0.01085195
0.01063071
0.01041464
0.01020359
0.00999746
0.00979610
0.01099477
0.01076452
0.01053975
0.01032031
0.01010608
0.00989691
0.00969268
0.00949326
0.01069119
0.01046265
0.01023964
0.01002200
0.00980959
0.00960229
0.00939996
0.00920248
0.01039906
0.01017223
0.00995097
0.00973512
0.00952455
0.00931911
0.00911868
0.00892312
0.01011778
0.00989267
0.00967315
0.00945909
0.00925035
0.00904677
0.00884823
0.00865459
0.00984681
0.00962340
0.00940563
0.00919336
0.00898643
0.00878471
0.00858805
0.00839633
0.00958563
0.00936392
0.00914789
0.00893740
0.00873229
0.00853241
0.00833763
0.00814781
0.00706540
0.00686380
0.00666831
0.00647874
0.00629492
0.00611667
0.00594382
0.00577621
0.00533887
0.00515659
0.00498074
0.00481110
0.00464747
0.00448963
0.00433738
0.00419054
0.00410503
0.00394107
0.00378377
0.00363287
0.00348811
0.00334926
0.00321609
0.00308838
0.00319642
0.00304967
0.00290970
0.00277620
0.00264890
0.00252752
0.00241179
0.00230147
0.00251241
0.00238169
0.00225776
0.00214029
0.00202895
0.00192346
0.00182351
0.00172882
31%
32%
33%
34%
35%
36%
37%
38%
2.2757%
2.3406%
2.4050%
2.4689%
2.5324%
2.5955%
2.6581%
2.7204%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
0.49437467
0.49421626
0.49405905
0.49390302
0.49374815
0.49359442
0.49344182
0.49329033
0.32586134
0.32565176
0.32544381
0.32523747
0.32503270
0.32482950
0.32462782
0.32442766
0.24162600
0.24139206
0.24116000
0.24092977
0.24070136
0.24047473
0.24024986
0.24002672
0.19110185
0.19085428
0.19060874
0.19036520
0.19012364
0.18988402
0.18964631
0.18941048
0.15743329
0.15717744
0.15692375
0.15667219
0.15642272
0.15617532
0.15592994
0.15568655
0.13339649
0.13313543
0.13287663
0.13262006
0.13236568
0.13211347
0.13186338
0.13161538
0.11537954
0.11511517
0.11485316
0.11459347
0.11433606
0.11408090
0.11382794
0.11357716
0.10137580
0.10110941
0.10084546
0.10058390
0.10032470
0.10006783
0.09981323
0.09956088
0.09018131
0.08991379
0.08964877
0.08938623
0.08912611
0.08886839
0.08861302
0.08835997
0.08102990
0.08076189
0.08049646
0.08023357
0.07997317
0.07971523
0.07945971
0.07920656
0.07341080
0.07314278
0.07287742
0.07261465
0.07235445
0.07209676
0.07184156
0.07158878
0.06697038
0.06670274
0.06643780
0.06617553
0.06591588
0.06565881
0.06540428
0.06515223
0.06145607
0.06118908
0.06092487
0.06066339
0.06040457
0.06014840
0.05989481
0.05964377
0.05668263
0.05641654
0.05615328
0.05589280
0.05563506
0.05538000
0.05512759
0.05487777
0.05251114
0.05224614
0.05198401
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0.03767303
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0.03666071
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0.03617270
0.03593305
0.03552617
0.03527011
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0.03476756
0.03452094
0.03427736
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0.03281641
0.03257169
0.03233005
0.03209144
0.03185579
0.03177956
0.03152706
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0.02963806
0.02939404
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0.02556534
0.02592752
0.02568257
0.02544111
0.02520308
0.02496840
0.02473702
0.02450888
0.02428390
0.02472384
0.02448085
0.02424139
0.02400540
0.02377281
0.02354356
0.02331758
0.02309480
0.02360314
0.02336212
0.02312468
0.02289075
0.02266026
0.02243315
0.02220935
0.02198880
0.02255737
0.02231834
0.02208293
0.02185108
0.02162271
0.02139776
0.02117615
0.02095783
0.02157950
0.02134247
0.02110911
0.02087935
0.02065311
0.02043033
0.02021093
0.01999484
0.02066335
0.02042834
0.02019704
0.01996938
0.01974528
0.01952467
0.01930749
0.01909365
0.01980347
0.01957049
0.01934126
0.01911571
0.01889375
0.01867533
0.01846036
0.01824878
0.01899502
0.01876408
0.01853693
0.01831349
0.01809369
0.01787746
0.01766471
0.01745539
0.01823372
0.01800482
0.01777975
0.01755843
0.01734079
0.01712675
0.01691624
0.01670917
0.01751573
0.01728888
0.01706589
0.01684670
0.01663122
0.01641938
0.01621109
0.01600629
0.01683763
0.01661283
0.01639193
0.01617487
0.01596155
0.01575190
0.01554585
0.01534330
0.01619634
0.01597359
0.01575479
0.01553985
0.01532870
0.01512125
0.01491742
0.01471713
0.01558909
0.01536839
0.01515168
0.01493888
0.01472988
0.01452463
0.01432303
0.01412500
0.01501338
0.01479474
0.01458012
0.01436945
0.01416262
0.01395956
0.01376018
0.01356440
0.01446695
0.01425037
0.01403785
0.01382930
0.01362463
0.01342375
0.01322660
0.01303307
0.01394775
0.01373323
0.01352280
0.01331637
0.01311386
0.01291517
0.01272023
0.01252894
0.01345393
0.01324146
0.01303311
0.01282881
0.01262845
0.01243194
0.01223921
0.01205016
0.01298377
0.01277335
0.01256709
0.01236491
0.01216669
0.01197236
0.01178183
0.01159501
0.01253573
0.01232736
0.01212318
0.01192311
0.01172703
0.01153488
0.01134654
0.01116194
0.01210838
0.01190206
0.01169996
0.01150200
0.01130806
0.01111806
0.01093192
0.01074953
0.01170044
0.01149616
0.01129613
0.01110027
0.01090846
0.01072062
0.01053665
0.01035646
0.01131070
0.01110845
0.01091049
0.01071672
0.01052704
0.01034135
0.01015955
0.00998156
0.01093806
0.01073784
0.01054195
0.01035026
0.01016269
0.00997914
0.00979951
0.00962370
0.01058151
0.01038332
0.01018948
0.00999988
0.00981441
0.00963299
0.00945551
0.00928187
0.01024012
0.01004395
0.00985215
0.00966462
0.00948126
0.00930195
0.00912661
0.00895513
0.00991301
0.00971885
0.00952910
0.00934363
0.00916236
0.00898517
0.00881196
0.00864263
0.00959940
0.00940724
0.00921952
0.00903611
0.00885691
0.00868182
0.00851073
0.00834354
0.00929853
0.00910837
0.00892267
0.00874131
0.00856418
0.00839118
0.00822220
0.00805713
0.00900971
0.00882155
0.00863786
0.00845854
0.00828347
0.00811255
0.00794566
0.00778271
0.00873231
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0.00818716
0.00801413
0.00784528
0.00768048
0.00751962
0.00846573
0.00828152
0.00810183
0.00792656
0.00775558
0.00758878
0.00742605
0.00726728
0.00820941
0.00802716
0.00784946
0.00767620
0.00750724
0.00734248
0.00718181
0.00702512
0.00796282
0.00778253
0.00760681
0.00743554
0.00726860
0.00710588
0.00694725
0.00679261
0.00561367
0.00545606
0.00530321
0.00515499
0.00501125
0.00487184
0.00473665
0.00460552
0.00404890
0.00391229
0.00378053
0.00365345
0.00353089
0.00341267
0.00329866
0.00318869
0.00296589
0.00284843
0.00273580
0.00262779
0.00252423
0.00242492
0.00232970
0.00223839
0.00219630
0.00209606
0.00200053
0.00190947
0.00182269
0.00174000
0.00166119
0.00158609
0.00163913
0.00155419
0.00147374
0.00139755
0.00132541
0.00125710
0.00119242
0.00113118
39%
40%
41%
42%
43%
44%
45%
2.7822%
2.8436%
2.9046%
2.9653%
3.0255%
3.0853%
3.1448%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
0.49313994
0.49299062
0.49284237
0.49269517
0.49254900
0.49240385
0.49225971
0.32422898
0.32403177
0.32383601
0.32364168
0.32344875
0.32325720
0.32306702
0.23980530
0.23958555
0.23936746
0.23915101
0.23893616
0.23872291
0.23851122
0.18917650
0.18894436
0.18871402
0.18848545
0.18825863
0.18803354
0.18781014
0.15544514
0.15520567
0.15496811
0.15473243
0.15449860
0.15426660
0.15403641
0.13136944
0.13112554
0.13088363
0.13064370
0.13040570
0.13016962
0.12993541
0.11332852
0.11308198
0.11283753
0.11259512
0.11235472
0.11211632
0.11187986
0.09931075
0.09906280
0.09881699
0.09857330
0.09833168
0.09809212
0.09785458
0.08810919
0.08786066
0.08761433
0.08737018
0.08712817
0.08688827
0.08665045
0.07895576
0.07870725
0.07846102
0.07821702
0.07797521
0.07773557
0.07749805
0.07133840
0.07109039
0.07084469
0.07060129
0.07036013
0.07012118
0.06988442
0.06490263
0.06465545
0.06441065
0.06416818
0.06392801
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0.06345443
0.05939523
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0.05866426
0.05842534
0.05818874
0.05795442
0.05463051
0.05438577
0.05414350
0.05390366
0.05366621
0.05343113
0.05319835
0.05046920
0.05022596
0.04998523
0.04974699
0.04951118
0.04927778
0.04904673
0.04680480
0.04656320
0.04632416
0.04608765
0.04585362
0.04562203
0.04539284
0.04355447
0.04331463
0.04307740
0.04284274
0.04261059
0.04238094
0.04215372
0.04065282
0.04041483
0.04017950
0.03994678
0.03971662
0.03948899
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0.03804752
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0.03162306
0.03139320
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0.03094187
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0.03028514
0.02984870
0.02962099
0.02939614
0.02917409
0.02895478
0.02873819
0.02852425
0.02822117
0.02799565
0.02777301
0.02755322
0.02733622
0.02712195
0.02691038
0.02672350
0.02650019
0.02627981
0.02606231
0.02584762
0.02563571
0.02542653
0.02534125
0.02512018
0.02490208
0.02468688
0.02447454
0.02426501
0.02405823
0.02406203
0.02384323
0.02362741
0.02341455
0.02320457
0.02299743
0.02279307
0.02287518
0.02265865
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0.02202702
0.02182228
0.02162036
0.02177143
0.02155719
0.02134601
0.02113784
0.02093262
0.02073030
0.02053082
0.02074273
0.02053078
0.02032194
0.02011613
0.01991331
0.01971341
0.01951638
0.01978202
0.01957238
0.01936588
0.01916244
0.01896202
0.01876455
0.01856998
0.01888311
0.01867579
0.01847163
0.01827057
0.01807254
0.01787751
0.01768539
0.01804052
0.01783552
0.01763371
0.01743503
0.01723941
0.01704680
0.01685714
0.01724942
0.01704674
0.01684728
0.01665097
0.01645776
0.01626758
0.01608038
0.01650550
0.01630513
0.01610802
0.01591409
0.01572328
0.01553553
0.01535078
0.01580490
0.01560686
0.01541210
0.01522055
0.01503213
0.01484681
0.01466450
0.01514421
0.01494849
0.01475607
0.01456688
0.01438087
0.01419796
0.01401809
0.01452033
0.01432692
0.01413684
0.01395002
0.01376639
0.01358590
0.01340846
0.01393048
0.01373938
0.01355164
0.01336718
0.01318593
0.01300784
0.01283282
0.01337216
0.01318336
0.01299795
0.01281584
0.01263697
0.01246127
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0.01284310
0.01265660
0.01247351
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0.01150432
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0.01098883
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0.01123217
0.01105599
0.01088321
0.01071373
0.01054750
0.01038444
0.01098099
0.01080361
0.01062972
0.01045923
0.01029208
0.01012819
0.00996748
0.01057081
0.01039569
0.01022407
0.01005588
0.00989103
0.00972946
0.00957108
0.01017997
0.01000709
0.00983773
0.00967182
0.00950927
0.00935001
0.00919396
0.00980728
0.00963663
0.00946952
0.00930588
0.00914560
0.00898864
0.00883489
0.00945162
0.00928319
0.00911832
0.00895693
0.00879892
0.00864423
0.00849278
0.00911198
0.00894576
0.00878312
0.00862396
0.00846821
0.00831578
0.00816660
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0.00862340
0.00846297
0.00830603
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0.00815700
0.00800228
0.00785098
0.00770303
0.00755834
0.00818016
0.00802048
0.00786442
0.00771189
0.00756279
0.00741706
0.00727458
0.00789589
0.00773837
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0.00743412
0.00728721
0.00714366
0.00700340
0.00762359
0.00746821
0.00731646
0.00716827
0.00702353
0.00688216
0.00674408
0.00736262
0.00720936
0.00705975
0.00691370
0.00677112
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0.00681374
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0.00652936
0.00639229
0.00625851
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0.00672324
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0.00643604
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0.00603110
0.00664186
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0.00635158
0.00621186
0.00607562
0.00594278
0.00581322
0.00447835
0.00435500
0.00423536
0.00411931
0.00400674
0.00389754
0.00379160
0.00308262
0.00298031
0.00288162
0.00278643
0.00269461
0.00260603
0.00252058
0.00215085
0.00206690
0.00198640
0.00190921
0.00183519
0.00176421
0.00169614
0.00151452
0.00144632
0.00138133
0.00131939
0.00126036
0.00120411
0.00115050
0.00107319
0.00101829
0.00096630
0.00091708
0.00087047
0.00082633
0.00078454
46%
47%
48%
49%
50%
3.2039%
3.2626%
3.3210%
3.3790%
3.4366%
1.00000000
1.00000000
1.00000000
1.00000000
1.00000000
0.49211656
0.49197439
0.49183318
0.49169293
0.49155361
0.32287819
0.32269069
0.32250449
0.32231959
0.32213597
0.23830107
0.23809244
0.23788531
0.23767966
0.23747547
0.18758842
0.18736835
0.18714991
0.18693307
0.18671781
0.15380798
0.15358131
0.15335636
0.15313311
0.15291154
0.12970307
0.12947256
0.12924384
0.12901691
0.12879173
0.11164533
0.11141270
0.11118194
0.11095303
0.11072593
0.09761902
0.09738542
0.09715375
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0.06253333
0.06230829
0.05772233
0.05749244
0.05726473
0.05703915
0.05681567
0.05296787
0.05273962
0.05251359
0.05228973
0.05206802
0.04881800
0.04859157
0.04836738
0.04814540
0.04792561
0.04516602
0.04494152
0.04471931
0.04449935
0.04428160
0.04192890
0.04170645
0.04148632
0.04126848
0.04105289
0.03904112
0.03882080
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0.03838721
0.03817386
0.03645023
0.03623212
0.03601641
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0.03007145
0.02986030
0.02965164
0.02944543
0.02924163
0.02831293
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0.02789794
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0.01595113
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0.01571465
0.01553603
0.01536014
0.01518696
0.01516896
0.01499002
0.01481391
0.01464056
0.01446993
0.01448515
0.01430870
0.01413509
0.01396427
0.01379618
0.01384120
0.01366723
0.01349612
0.01332781
0.01316226
0.01323402
0.01306252
0.01289390
0.01272810
0.01256506
0.01266083
0.01249179
0.01232564
0.01216233
0.01200180
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0.01195252
0.01178884
0.01162800
0.01146996
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0.01128120
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0.01095946
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0.01034536
0.01019188
0.01004122
0.01022448
0.01006754
0.00991358
0.00976251
0.00961428
0.00980988
0.00965532
0.00950374
0.00935507
0.00920925
0.00941584
0.00926364
0.00911444
0.00896815
0.00882471
0.00904104
0.00889119
0.00874434
0.00860041
0.00845934
0.00868429
0.00853677
0.00839225
0.00825066
0.00811195
0.00834448
0.00819926
0.00805706
0.00791780
0.00778141
0.00802058
0.00787766
0.00773775
0.00760079
0.00746671
0.00771166
0.00757100
0.00743337
0.00729869
0.00716689
0.00741683
0.00727843
0.00714306
0.00701064
0.00688110
0.00713530
0.00699913
0.00686599
0.00673581
0.00660852
0.00686632
0.00673236
0.00660144
0.00647347
0.00634840
0.00660919
0.00647742
0.00634869
0.00622292
0.00610004
0.00636326
0.00623366
0.00610710
0.00598350
0.00586279
0.00612793
0.00600048
0.00587607
0.00575462
0.00563606
0.00590265
0.00577732
0.00565504
0.00553572
0.00541928
0.00568688
0.00556366
0.00544348
0.00532626
0.00521192
0.00368883
0.00358912
0.00349237
0.00339850
0.00330741
0.00243815
0.00235862
0.00228188
0.00220785
0.00213641
0.00163086
0.00156825
0.00150820
0.00145061
0.00139536
0.00109940
0.00105069
0.00100426
0.00096001
0.00091782
0.00074496
0.00070747
0.00067197
0.00063834
0.00060648
TABLA D-10
CUOTA (1=30d)
im -->>
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
FACTOR DE INTERES DE CUOTA MENSUAL ORDINARIA PARA UN VAL

i =
1%
2%
3%
4%
5%
0.0830%
0.1652%
0.2466%
0.3274%
0.4074%
6%
7%
0.4868%
0.5654%
1.00082954
1.00165158
1.00246627
1.00327374
1.00407412
1.00486755
1.00565415
0.50062224
0.50123903
0.50185046
0.50245664
0.50305766
0.50365362
0.50424460
0.33388651
0.33443499
0.33497886
0.33551820
0.33605309
0.33658362
0.33710985
0.25051868
0.25103309
0.25154332
0.25204943
0.25255150
0.25304960
0.25354381
0.20049800
0.20099204
0.20148219
0.20196852
0.20245110
0.20292998
0.20340524
0.16715090
0.16763141
0.16810828
0.16858155
0.16905129
0.16951756
0.16998042
0.14333156
0.14380246
0.14426991
0.14473397
0.14519468
0.14565211
0.14610630
0.12546707
0.12593080
0.12639126
0.12684850
0.12730256
0.12775351
0.12820138
0.11157248
0.11203067
0.11248576
0.11293778
0.11338678
0.11383281
0.11427592
0.10045681
0.10091062
0.10136146
0.10180938
0.10225443
0.10269665
0.10313608
0.09136219
0.09181243
0.09225985
0.09270449
0.09314640
0.09358560
0.09402215
0.08378335
0.08423065
0.08467526
0.08511723
0.08555660
0.08599339
0.08642765
0.07737049
0.07781532
0.07825761
0.07869738
0.07913467
0.07956952
0.08000195
0.07187377
0.07231651
0.07275684
0.07319478
0.07363036
0.07406362
0.07449458
0.06710994
0.06755090
0.06798957
0.06842598
0.06886014
0.06929210
0.06972188
0.06294161
0.06338102
0.06381827
0.06425338
0.06468637
0.06511727
0.06554610
0.05926367
0.05970174
0.06013778
0.06057179
0.06100380
0.06143383
0.06186190
0.05599440
0.05643130
0.05686628
0.05729936
0.05773055
0.05815988
0.05858735
0.05306927
0.05350513
0.05393921
0.05437149
0.05480200
0.05523076
0.05565777
0.05043665
0.05087161
0.05130489
0.05173650
0.05216645
0.05259475
0.05302142
0.04805477
0.04848892
0.04892151
0.04935254
0.04978203
0.05020998
0.05063639
0.04588943
0.04632286
0.04675485
0.04718539
0.04761450
0.04804218
0.04846843
0.04391238
0.04434517
0.04477663
0.04520677
0.04563557
0.04606306
0.04648922
0.04210009
0.04253231
0.04296331
0.04339310
0.04382167
0.04424903
0.04467517
0.04043279
0.04086449
0.04129510
0.04172460
0.04215299
0.04258028
0.04300645
0.03889375
0.03932499
0.03975524
0.04018451
0.04061278
0.04104004
0.04146629
0.03746871
0.03789954
0.03832949
0.03875857
0.03918676
0.03961404
0.04004042
0.03614547
0.03657592
0.03700562
0.03743455
0.03786269
0.03829004
0.03871659
0.03491349
0.03534360
0.03577308
0.03620190
0.03663004
0.03705749
0.03748423
0.03376365
0.03419346
0.03462274
0.03505148
0.03547965
0.03590724
0.03633422
0.03268799
0.03311753
0.03354665
0.03397534
0.03440357
0.03483132
0.03525856
0.03167956
0.03210886
0.03253785
0.03296652
0.03339484
0.03382277
0.03425030
0.03073226
0.03116133
0.03159022
0.03201889
0.03244732
0.03287547
0.03330331
0.02984068
0.03026956
0.03069836
0.03112706
0.03155562
0.03198400
0.03241218
0.02900005
0.02942875
0.02985750
0.03028624
0.03071495
0.03114359
0.03157212
0.02820613
0.02863468
0.02906338
0.02949218
0.02992106
0.03034997
0.03077888
0.02745513
0.02788353
0.02831220
0.02874110
0.02917016
0.02959936
0.03002866
0.02674365
0.02717193
0.02760060
0.02802959
0.02845885
0.02888836
0.02931807
0.02606866
0.02649684
0.02692551
0.02735461
0.02778410
0.02821392
0.02864405
0.02542743
0.02585551
0.02628420
0.02671343
0.02714314
0.02757331
0.02800386
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
72
84
96
108
120
0.02481748
0.02524548
0.02567420
0.02610356
0.02653352
0.02696403
0.02739503
0.02423658
0.02466451
0.02509327
0.02552278
0.02595300
0.02638387
0.02681532
0.02368269
0.02411057
0.02453938
0.02496906
0.02539954
0.02583078
0.02626270
0.02315399
0.02358182
0.02401069
0.02444054
0.02487130
0.02530291
0.02573531
0.02264879
0.02307658
0.02350553
0.02393556
0.02436660
0.02479860
0.02523148
0.02216555
0.02259331
0.02302234
0.02345257
0.02388391
0.02431630
0.02474967
0.02170288
0.02213062
0.02255975
0.02299017
0.02342181
0.02385460
0.02428848
0.02125949
0.02168722
0.02211644
0.02254707
0.02297902
0.02341223
0.02384661
0.02083421
0.02126193
0.02169125
0.02212209
0.02255436
0.02298799
0.02342289
0.02042593
0.02085366
0.02128309
0.02171415
0.02214675
0.02258080
0.02301622
0.02003367
0.02046140
0.02089096
0.02132224
0.02175517
0.02218965
0.02262560
0.01965650
0.02008424
0.02051393
0.02094544
0.02137870
0.02181362
0.02225011
0.01929356
0.01972133
0.02015114
0.02058290
0.02101650
0.02145186
0.02188888
0.01894406
0.01937186
0.01980181
0.02023381
0.02066776
0.02110357
0.02154113
0.01860728
0.01903511
0.01946520
0.01989745
0.02033175
0.02076801
0.02120613
0.01828253
0.01871039
0.01914063
0.01957313
0.02000779
0.02044451
0.02088318
0.01796917
0.01839708
0.01882747
0.01926023
0.01969525
0.02013242
0.02057165
0.01766662
0.01809457
0.01852512
0.01895814
0.01939353
0.01983117
0.02027096
0.01737433
0.01780233
0.01823304
0.01866633
0.01910208
0.01954019
0.01998055
0.01709179
0.01751984
0.01795071
0.01838427
0.01882040
0.01925898
0.01969991
0.01431355
0.01474249
0.01517557
0.01561262
0.01605347
0.01649796
0.01694594
0.01232928
0.01275945
0.01319507
0.01363591
0.01408178
0.01453248
0.01498779
0.01084126
0.01127285
0.01171120
0.01215604
0.01260711
0.01306418
0.01352696
0.00968406
0.01011721
0.01055842
0.01100738
0.01146377
0.01192730
0.01239764
0.00875844
0.00919324
0.00963740
0.01009056
0.01055235
0.01102240
0.01150033
(1+i)^(30/360) -1)
TIEm = im
DINARIA PARA UN VALOR PRESENTE:
im/(1-(1/(1+im)^n))
CMFm=
8%
redondeo =
9%
8
10%
11%
12%
13%
14%
15%
16%
0.6434%
0.7207%
0.7974%
0.8735%
0.9489%
1.0237%
1.0979%
1.1715%
1.2445%
1.00643403
1.00720732
1.00797414
1.00873459
1.00948879
1.01023684
1.01097885
1.01171492
1.01244514
0.50483068
0.50541196
0.50598852
0.50656044
0.50712779
0.50769066
0.50824912
0.50880325
0.50935310
0.33763186
0.33814972
0.33866350
0.33917327
0.33967911
0.34018106
0.34067921
0.34117360
0.34166430
0.25403416
0.25452075
0.25500363
0.25548286
0.25595850
0.25643061
0.25689924
0.25736446
0.25782631
0.20387692
0.20434510
0.20480982
0.20527114
0.20572912
0.20618381
0.20663526
0.20708353
0.20752865
0.17043991
0.17089610
0.17134903
0.17179877
0.17224535
0.17268884
0.17312927
0.17356669
0.17400115
0.14655731
0.14700519
0.14744998
0.14789174
0.14833051
0.14876634
0.14919927
0.14962934
0.15005660
0.12864622
0.12908808
0.12952701
0.12996305
0.13039625
0.13082664
0.13125426
0.13167917
0.13210139
0.11471614
0.11515352
0.11558810
0.11601992
0.11644903
0.11687546
0.11729926
0.11772045
0.11813907
0.10357276
0.10400672
0.10443802
0.10486669
0.10529275
0.10571626
0.10613725
0.10655574
0.10697178
0.09445607
0.09488741
0.09531619
0.09574246
0.09616625
0.09658758
0.09700651
0.09742305
0.09783724
0.08685941
0.08728869
0.08771554
0.08813999
0.08856207
0.08898180
0.08939922
0.08981436
0.09022725
0.08043199
0.08085967
0.08128504
0.08170811
0.08212891
0.08254747
0.08296382
0.08337799
0.08379000
0.07492326
0.07534970
0.07577393
0.07619596
0.07661584
0.07703357
0.07744919
0.07786272
0.07827418
0.07014949
0.07057497
0.07099834
0.07141962
0.07183884
0.07225601
0.07267117
0.07308433
0.07349552
0.06597287
0.06639762
0.06682036
0.06724111
0.06765989
0.06807673
0.06849165
0.06890466
0.06931578
0.06228802
0.06271222
0.06313452
0.06355493
0.06397346
0.06439015
0.06480500
0.06521804
0.06562928
0.05901299
0.05943680
0.05985881
0.06027902
0.06069747
0.06111415
0.06152910
0.06194231
0.06235381
0.05608305
0.05650660
0.05692846
0.05734862
0.05776710
0.05818391
0.05859907
0.05901258
0.05942447
0.05344645
0.05386986
0.05429167
0.05471188
0.05513051
0.05554755
0.05596304
0.05637696
0.05678934
0.05106128
0.05148465
0.05190651
0.05232687
0.05274573
0.05316310
0.05357900
0.05399343
0.05440639
0.04889326
0.04931666
0.04973866
0.05015924
0.05057843
0.05099621
0.05141260
0.05182761
0.05224123
0.04691406
0.04733757
0.04775978
0.04818066
0.04860023
0.04901849
0.04943545
0.04985110
0.05026545
0.04510008
0.04552377
0.04594624
0.04636748
0.04678751
0.04720631
0.04762388
0.04804024
0.04845538
0.04343149
0.04385541
0.04427820
0.04469986
0.04512039
0.04553978
0.04595804
0.04637516
0.04679113
0.04189152
0.04231571
0.04273888
0.04316101
0.04358209
0.04400212
0.04442110
0.04483902
0.04525588
0.04046587
0.04089039
0.04131397
0.04173661
0.04215828
0.04257900
0.04299874
0.04341751
0.04383529
0.03914230
0.03956718
0.03999122
0.04041440
0.04083671
0.04125814
0.04167869
0.04209834
0.04251708
0.03791025
0.03833553
0.03876006
0.03918381
0.03960679
0.04002897
0.04045035
0.04087092
0.04129065
0.03676056
0.03718627
0.03761132
0.03803568
0.03845936
0.03888232
0.03930457
0.03972608
0.04014683
0.03568527
0.03611143
0.03653703
0.03696203
0.03738643
0.03781021
0.03823334
0.03865582
0.03907762
0.03467740
0.03510404
0.03553021
0.03595588
0.03638103
0.03680564
0.03722968
0.03765316
0.03807603
0.03373082
0.03415797
0.03458473
0.03501108
0.03543701
0.03586247
0.03628745
0.03671194
0.03713590
0.03284012
0.03326779
0.03369518
0.03412224
0.03454895
0.03497529
0.03540123
0.03582675
0.03625182
0.03200051
0.03242873
0.03285675
0.03328454
0.03371206
0.03413929
0.03456621
0.03499278
0.03541897
0.03120774
0.03163652
0.03206520
0.03249372
0.03292208
0.03335022
0.03377812
0.03420576
0.03463310
0.03045801
0.03088737
0.03131671
0.03174600
0.03217519
0.03260426
0.03303317
0.03346189
0.03389038
0.02974791
0.03017787
0.03060790
0.03103796
0.03146801
0.03189801
0.03232794
0.03275776
0.03318742
0.02907441
0.02950497
0.02993570
0.03036654
0.03079747
0.03122842
0.03165938
0.03209030
0.03252115
0.02843475
0.02886594
0.02929738
0.02972902
0.03016082
0.03059274
0.03102474
0.03145678
0.03188882
0.02782646
0.02825828
0.02869044
0.02912289
0.02955559
0.02998848
0.03042154
0.03085471
0.03128794
0.02724730
0.02767977
0.02811266
0.02854593
0.02897953
0.02941341
0.02984752
0.03028183
0.03071628
0.02669524
0.02712836
0.02756199
0.02799609
0.02843060
0.02886547
0.02930066
0.02973611
0.03017178
0.02616842
0.02660220
0.02703659
0.02747153
0.02790696
0.02834284
0.02877910
0.02921571
0.02965260
0.02566518
0.02609963
0.02653478
0.02697056
0.02740692
0.02784381
0.02828116
0.02871892
0.02915705
0.02518396
0.02561909
0.02605501
0.02649164
0.02692894
0.02736684
0.02780529
0.02824422
0.02868358
0.02472336
0.02515918
0.02559587
0.02603337
0.02647161
0.02691053
0.02735008
0.02779019
0.02823080
0.02428209
0.02471861
0.02515608
0.02559445
0.02603364
0.02647359
0.02691425
0.02735553
0.02779739
0.02385898
0.02429619
0.02473446
0.02517370
0.02561385
0.02605484
0.02649660
0.02693907
0.02738218
0.02345293
0.02389085
0.02432991
0.02477003
0.02521114
0.02565317
0.02609604
0.02653970
0.02698407
0.02306293
0.02350156
0.02394143
0.02438243
0.02482451
0.02526758
0.02571158
0.02615643
0.02660206
0.02268806
0.02312742
0.02356809
0.02400998
0.02445303
0.02489715
0.02534227
0.02578832
0.02623521
0.02232747
0.02276755
0.02320903
0.02365182
0.02409584
0.02454102
0.02498727
0.02543451
0.02588268
0.02198036
0.02242117
0.02286346
0.02330715
0.02375215
0.02419839
0.02464577
0.02509422
0.02554365
0.02164600
0.02208754
0.02253065
0.02297524
0.02342123
0.02386852
0.02431704
0.02476669
0.02521740
0.02132370
0.02176597
0.02220991
0.02265541
0.02310238
0.02355074
0.02400039
0.02445126
0.02490324
0.02101282
0.02145584
0.02190060
0.02234701
0.02279498
0.02324440
0.02369519
0.02414727
0.02460053
0.02071279
0.02115655
0.02160214
0.02204946
0.02249842
0.02294892
0.02340085
0.02385414
0.02430868
0.02042303
0.02086754
0.02131397
0.02176221
0.02221217
0.02266373
0.02311681
0.02357132
0.02402714
0.02014305
0.02058831
0.02103558
0.02148474
0.02193569
0.02238833
0.02284256
0.02329828
0.02375539
0.01739725
0.01785172
0.01830921
0.01876957
0.01923265
0.01969830
0.02016638
0.02063676
0.02110928
0.01544750
0.01591141
0.01637932
0.01685104
0.01732636
0.01780508
0.01828703
0.01877201
0.01925984
0.01399520
0.01446865
0.01494705
0.01543014
0.01591767
0.01640940
0.01690508
0.01740447
0.01790733
0.01287447
0.01335747
0.01384634
0.01434074
0.01484038
0.01534494
0.01585412
0.01636762
0.01688514
0.01198575
0.01247828
0.01297755
0.01348315
0.01399472
0.01451187
0.01503425
0.01556148
0.01609320
(1+i)^(30/360) -1)
im/(1-(1/(1+im)^n))
17%
18%
19%
20%
21%
22%
23%
24%
25%
1.3170%
1.3888%
1.4602%
1.5309%
1.6012%
1.6709%
1.7401%
1.8088%
1.8769%
1.01316961
1.01388843
1.01460169
1.01530947
1.01601187
1.01670896
1.01740084
1.01808758
1.01876927
0.50989875
0.51044027
0.51097773
0.51151118
0.51204070
0.51256633
0.51308815
0.51360621
0.51412058
0.34215136
0.34263485
0.34311483
0.34359133
0.34406443
0.34453417
0.34500060
0.34546377
0.34592374
0.25828485
0.25874013
0.25919220
0.25964110
0.26008690
0.26052962
0.26096932
0.26140605
0.26183985
0.20797068
0.20840968
0.20884567
0.20927871
0.20970885
0.21013612
0.21056056
0.21098222
0.21140115
0.17443269
0.17486136
0.17528720
0.17571025
0.17613055
0.17654813
0.17696305
0.17737534
0.17778503
0.15048108
0.15090283
0.15132190
0.15173830
0.15215209
0.15256330
0.15297197
0.15337813
0.15378182
0.13252096
0.13293793
0.13335233
0.13376418
0.13417355
0.13458044
0.13498491
0.13538697
0.13578667
0.11855517
0.11896877
0.11937991
0.11978862
0.12019494
0.12059889
0.12100051
0.12139984
0.12179689
0.10738540
0.10779662
0.10820549
0.10861203
0.10901628
0.10941825
0.10981799
0.11021552
0.11061087
0.09824910
0.09865868
0.09906599
0.09947107
0.09987395
0.10027464
0.10067319
0.10106961
0.10146394
0.09063791
0.09104638
0.09145267
0.09185682
0.09225886
0.09265880
0.09305667
0.09345251
0.09384633
0.08419988
0.08460765
0.08501334
0.08541697
0.08581857
0.08621816
0.08661576
0.08701140
0.08740511
0.07868361
0.07909101
0.07949642
0.07989986
0.08030134
0.08070089
0.08109854
0.08149430
0.08188819
0.07390475
0.07431205
0.07471744
0.07512093
0.07552255
0.07592232
0.07632026
0.07671638
0.07711072
0.06972503
0.07013244
0.07053802
0.07094178
0.07134375
0.07174394
0.07214237
0.07253906
0.07293403
0.06603873
0.06644642
0.06685236
0.06725656
0.06765905
0.06805982
0.06845892
0.06885634
0.06925211
0.06276361
0.06317172
0.06357817
0.06398295
0.06438609
0.06478760
0.06518750
0.06558579
0.06598250
0.05983473
0.06024340
0.06065047
0.06105595
0.06145987
0.06186223
0.06226304
0.06266232
0.06306008
0.05720018
0.05760949
0.05801729
0.05842358
0.05882838
0.05923168
0.05963351
0.06003387
0.06043278
0.05481789
0.05522794
0.05563656
0.05604374
0.05644950
0.05685383
0.05725676
0.05765829
0.05805842
0.05265347
0.05306434
0.05347385
0.05388199
0.05428878
0.05469422
0.05509832
0.05550109
0.05590253
0.05067849
0.05109025
0.05150071
0.05190989
0.05231778
0.05272439
0.05312972
0.05353379
0.05393658
0.04886929
0.04928198
0.04969346
0.05010372
0.05051277
0.05092060
0.05132722
0.05173264
0.05213685
0.04720596
0.04761964
0.04803219
0.04844358
0.04885383
0.04926293
0.04967089
0.05007770
0.05048338
0.04567167
0.04608639
0.04650004
0.04691261
0.04732411
0.04773452
0.04814386
0.04855211
0.04895928
0.04425208
0.04466787
0.04508267
0.04549646
0.04590924
0.04632100
0.04673175
0.04714148
0.04755019
0.04293490
0.04335181
0.04376779
0.04418282
0.04459692
0.04501007
0.04542226
0.04583350
0.04624377
0.04170954
0.04212759
0.04254478
0.04296110
0.04337654
0.04379110
0.04420477
0.04461754
0.04502940
0.04056682
0.04098603
0.04140446
0.04182209
0.04223891
0.04265490
0.04307007
0.04348439
0.04389788
0.03949873
0.03991914
0.04033883
0.04075778
0.04117600
0.04159345
0.04201014
0.04242605
0.04284117
0.03849828
0.03891990
0.03934088
0.03976119
0.04018082
0.04059975
0.04101798
0.04143549
0.04185227
0.03755932
0.03798218
0.03840446
0.03882614
0.03924720
0.03966764
0.04008743
0.04050655
0.04092500
0.03667642
0.03710053
0.03752413
0.03794720
0.03836972
0.03879167
0.03921303
0.03963379
0.04005393
0.03584477
0.03627016
0.03669510
0.03711957
0.03754356
0.03796703
0.03838998
0.03881238
0.03923423
0.03506011
0.03548678
0.03591307
0.03633896
0.03676443
0.03718945
0.03761400
0.03803806
0.03846161
0.03431863
0.03474659
0.03517425
0.03560157
0.03602853
0.03645510
0.03688126
0.03730699
0.03773226
0.03361690
0.03404618
0.03447521
0.03490397
0.03533244
0.03576057
0.03618836
0.03661576
0.03704276
0.03295188
0.03338248
0.03381290
0.03424311
0.03467309
0.03510280
0.03553221
0.03596130
0.03639004
0.03232082
0.03275274
0.03318456
0.03361623
0.03404773
0.03447902
0.03491007
0.03534085
0.03577134
0.03172121
0.03215448
0.03258770
0.03302084
0.03345387
0.03388675
0.03431944
0.03475192
0.03518415
0.03115083
0.03158544
0.03202008
0.03245469
0.03288926
0.03332373
0.03375807
0.03419225
0.03462624
0.03060762
0.03104359
0.03147965
0.03191574
0.03235185
0.03278791
0.03322391
0.03365980
0.03409555
0.03008973
0.03052707
0.03096455
0.03140213
0.03183979
0.03227746
0.03271511
0.03315271
0.03359022
0.02959548
0.03003418
0.03047310
0.03091218
0.03135138
0.03179066
0.03222998
0.03266929
0.03310856
0.02912333
0.02956340
0.03000375
0.03044432
0.03088508
0.03132597
0.03176696
0.03220798
0.03264902
0.02867185
0.02911330
0.02955509
0.02999717
0.03043949
0.03088199
0.03132464
0.03176739
0.03221019
0.02823976
0.02868259
0.02912583
0.02956941
0.03001329
0.03045741
0.03090173
0.03134619
0.03179076
0.02782587
0.02827009
0.02871477
0.02915986
0.02960531
0.03005104
0.03049703
0.03094322
0.03138956
0.02742909
0.02787470
0.02832083
0.02876743
0.02921444
0.02966180
0.03010946
0.03055736
0.03100547
0.02704841
0.02749541
0.02794299
0.02839110
0.02883968
0.02928866
0.02973799
0.03018762
0.03063749
0.02668289
0.02713129
0.02758033
0.02802996
0.02848010
0.02893070
0.02938171
0.02983305
0.03028468
0.02633169
0.02678148
0.02723198
0.02768312
0.02813484
0.02858706
0.02903974
0.02949280
0.02994619
0.02599400
0.02644519
0.02689715
0.02734981
0.02780309
0.02825694
0.02871128
0.02916606
0.02962122
0.02566909
0.02612168
0.02657510
0.02702927
0.02748413
0.02793959
0.02839561
0.02885210
0.02930902
0.02535627
0.02581026
0.02626515
0.02672083
0.02717726
0.02763434
0.02809203
0.02855023
0.02900891
0.02505490
0.02551030
0.02596664
0.02642385
0.02688184
0.02734055
0.02779990
0.02825981
0.02872024
0.02476440
0.02522120
0.02567900
0.02613772
0.02659729
0.02705761
0.02751862
0.02798025
0.02844242
0.02448420
0.02494240
0.02540167
0.02586191
0.02632304
0.02678498
0.02724765
0.02771098
0.02817490
0.02421379
0.02467340
0.02513413
0.02559588
0.02605858
0.02652213
0.02698647
0.02745150
0.02791716
0.02158381
0.02206024
0.02253842
0.02301823
0.02349955
0.02398225
0.02446624
0.02495138
0.02543758
0.01975033
0.02024331
0.02073862
0.02123607
0.02173551
0.02223677
0.02273971
0.02324417
0.02375001
0.01841343
0.01892255
0.01943447
0.01994896
0.02046583
0.02098486
0.02150587
0.02202865
0.02255304
0.01740639
0.01793111
0.01845901
0.01898983
0.01952331
0.02005919
0.02059726
0.02113725
0.02167897
0.01662908
0.01716877
0.01771195
0.01825829
0.01880748
0.01935923
0.01991325
0.02046927
0.02102703
26%
27%
28%
29%
30%
31%
32%
33%
34%
1.9446%
2.0118%
2.0785%
2.1447%
2.2104%
2.2757%
2.3406%
2.4050%
2.4689%
1.01944597
1.02011776
1.02078473
1.02144693
1.02210445
1.02275735
1.02340569
1.02404955
1.02468898
0.51463129
0.51513841
0.51564199
0.51614208
0.51663875
0.51713202
0.51762195
0.51810860
0.51859200
0.34638053
0.34683421
0.34728483
0.34773241
0.34817702
0.34861869
0.34905745
0.34949336
0.34992645
0.26227076
0.26269881
0.26312406
0.26354653
0.26396629
0.26438335
0.26479775
0.26520955
0.26561875
0.21181736
0.21223091
0.21264184
0.21305017
0.21345594
0.21385920
0.21425997
0.21465829
0.21505418
0.17819216
0.17859677
0.17899889
0.17939855
0.17979579
0.18019064
0.18058313
0.18097330
0.18136117
0.15418307
0.15458191
0.15497837
0.15537250
0.15576431
0.15615384
0.15654112
0.15692618
0.15730904
0.13618404
0.13657909
0.13697188
0.13736242
0.13775074
0.13813689
0.13852086
0.13890271
0.13928245
0.12219171
0.12258430
0.12297472
0.12336298
0.12374912
0.12413315
0.12451510
0.12489501
0.12527288
0.11100407
0.11139513
0.11178410
0.11217099
0.11255584
0.11293866
0.11331948
0.11369832
0.11407521
0.10185620
0.10224640
0.10263459
0.10302077
0.10340499
0.10378725
0.10416758
0.10454601
0.10492255
0.09423815
0.09462800
0.09501590
0.09540188
0.09578595
0.09616815
0.09654847
0.09692697
0.09730363
0.08779689
0.08818676
0.08857477
0.08896092
0.08934523
0.08972773
0.09010843
0.09048735
0.09086451
0.08228023
0.08267044
0.08305885
0.08344547
0.08383032
0.08421342
0.08459477
0.08497442
0.08535237
0.07750327
0.07789405
0.07828311
0.07867043
0.07905605
0.07943998
0.07982223
0.08020283
0.08058178
0.07332729
0.07371885
0.07410874
0.07449696
0.07488354
0.07526849
0.07565183
0.07603356
0.07641371
0.06964624
0.07003873
0.07042962
0.07081890
0.07120660
0.07159273
0.07197730
0.07236032
0.07274182
0.06637762
0.06677118
0.06716320
0.06755367
0.06794262
0.06833005
0.06871598
0.06910043
0.06948339
0.06345632
0.06385106
0.06424431
0.06463608
0.06502639
0.06541524
0.06580264
0.06618860
0.06657314
0.06083023
0.06122624
0.06162083
0.06201399
0.06240574
0.06279609
0.06318505
0.06357262
0.06395882
0.05845717
0.05885453
0.05925053
0.05964516
0.06003844
0.06043038
0.06082096
0.06121022
0.06159815
0.05630263
0.05670142
0.05709890
0.05749507
0.05788994
0.05828352
0.05867580
0.05906681
0.05945654
0.05433811
0.05473838
0.05513740
0.05553516
0.05593168
0.05632696
0.05672100
0.05711381
0.05750539
0.05253985
0.05294165
0.05334226
0.05374167
0.05413989
0.05453691
0.05493275
0.05532741
0.05572088
0.05088790
0.05129128
0.05169352
0.05209461
0.05249457
0.05289339
0.05329107
0.05368761
0.05408302
0.04936536
0.04977036
0.05017427
0.05057709
0.05097882
0.05137947
0.05177902
0.05217749
0.05257487
0.04795786
0.04836451
0.04877012
0.04917470
0.04957824
0.04998074
0.05038220
0.05078263
0.05118200
0.04665307
0.04706139
0.04746874
0.04787510
0.04828048
0.04868487
0.04908826
0.04949066
0.04989206
0.04544035
0.04585038
0.04625948
0.04666765
0.04707489
0.04748119
0.04788654
0.04829094
0.04869438
0.04431050
0.04472225
0.04513314
0.04554314
0.04595226
0.04636049
0.04676781
0.04717423
0.04757973
0.04325549
0.04366899
0.04408168
0.04449353
0.04490454
0.04531472
0.04572403
0.04613248
0.04654006
0.04226830
0.04268356
0.04309807
0.04351178
0.04392472
0.04433685
0.04474816
0.04515866
0.04556833
0.04134276
0.04175980
0.04217614
0.04259174
0.04300659
0.04342070
0.04383403
0.04424659
0.04465836
0.04047342
0.04089226
0.04131044
0.04172793
0.04214473
0.04256082
0.04297618
0.04339081
0.04380469
0.03965548
0.04007612
0.04049616
0.04091555
0.04133429
0.04175237
0.04216977
0.04258648
0.04300247
0.03888463
0.03930709
0.03972899
0.04015029
0.04057099
0.04099107
0.04141051
0.04182930
0.04224741
0.03815705
0.03858134
0.03900511
0.03942833
0.03985100
0.04027308
0.04069457
0.04111544
0.04153568
0.03746933
0.03789545
0.03832110
0.03874625
0.03917088
0.03959498
0.04001852
0.04044148
0.04086385
0.03681840
0.03724636
0.03767389
0.03810097
0.03852757
0.03895369
0.03937928
0.03980434
0.04022883
0.03620149
0.03663129
0.03706071
0.03748972
0.03791830
0.03834644
0.03877408
0.03920123
0.03962786
0.03561611
0.03604775
0.03647907
0.03691001
0.03734058
0.03777073
0.03820043
0.03862967
0.03905843
0.03506000
0.03549349
0.03592670
0.03635959
0.03679213
0.03722430
0.03765606
0.03808740
0.03851828
0.03453111
0.03496646
0.03540157
0.03583639
0.03627092
0.03670510
0.03713892
0.03757235
0.03800535
0.03402759
0.03446479
0.03490180
0.03533857
0.03577507
0.03621128
0.03664715
0.03708266
0.03751779
0.03354774
0.03398680
0.03442571
0.03486441
0.03530289
0.03574112
0.03617904
0.03661664
0.03705389
0.03309002
0.03353093
0.03397173
0.03441238
0.03485284
0.03529308
0.03573305
0.03617273
0.03661209
0.03265299
0.03309576
0.03353847
0.03398105
0.03442349
0.03486573
0.03530775
0.03574951
0.03619098
0.03223538
0.03268001
0.03312461
0.03356912
0.03401353
0.03445779
0.03490185
0.03534568
0.03578925
0.03183599
0.03228246
0.03272896
0.03317541
0.03362179
0.03406805
0.03451414
0.03496004
0.03540570
0.03145371
0.03190204
0.03235043
0.03279881
0.03324715
0.03369541
0.03414353
0.03459150
0.03503924
0.03108754
0.03153772
0.03198800
0.03243830
0.03288861
0.03333886
0.03378901
0.03423903
0.03468886
0.03073654
0.03118857
0.03164073
0.03209296
0.03254523
0.03299747
0.03344964
0.03390170
0.03435360
0.03039986
0.03085373
0.03130778
0.03176192
0.03221614
0.03267036
0.03312454
0.03357865
0.03403261
0.03007668
0.03053240
0.03098832
0.03144439
0.03190055
0.03235675
0.03281293
0.03326907
0.03372509
0.02976628
0.03022384
0.03068164
0.03113961
0.03159771
0.03205588
0.03251406
0.03297222
0.03343029
0.02946797
0.02992735
0.03038702
0.03084689
0.03130693
0.03176706
0.03222724
0.03268741
0.03314752
0.02918109
0.02964231
0.03010384
0.03056561
0.03102757
0.03148966
0.03195182
0.03241400
0.03287614
0.02890506
0.02936811
0.02983150
0.03029516
0.03075904
0.03122308
0.03168721
0.03215138
0.03261554
0.02863933
0.02910419
0.02956944
0.03003498
0.03050078
0.03096676
0.03143285
0.03189901
0.03236518
0.02838337
0.02885005
0.02931714
0.02978456
0.03025226
0.03072017
0.03118822
0.03165636
0.03212452
0.02592471
0.02641268
0.02690140
0.02739075
0.02788066
0.02837102
0.02886175
0.02935276
0.02984397
0.02425707
0.02476523
0.02527436
0.02578431
0.02629499
0.02680625
0.02731798
0.02783008
0.02834243
0.02307884
0.02360587
0.02413399
0.02466302
0.02519283
0.02572324
0.02625412
0.02678535
0.02731677
0.02222217
0.02276666
0.02331225
0.02385872
0.02440592
0.02495365
0.02550175
0.02605008
0.02659845
0.02158626
0.02214671
0.02270819
0.02327044
0.02383327
0.02439648
0.02495988
0.02552329
0.02608653
35%
36%
37%
38%
39%
40%
41%
42%
43%
2.5324%
2.5955%
2.6581%
2.7204%
2.7822%
2.8436%
2.9046%
2.9653%
3.0255%
1.02532406
1.02595483
1.02658137
1.02720374
1.02782198
1.02843616
1.02904633
1.02965254
1.03025486
0.51907221
0.51954925
0.52002319
0.52049407
0.52096192
0.52142678
0.52188870
0.52234771
0.52280386
0.35035676
0.35078433
0.35120919
0.35163140
0.35205096
0.35246793
0.35288234
0.35329422
0.35370361
0.26602542
0.26642956
0.26683123
0.26723046
0.26762728
0.26802171
0.26841379
0.26880355
0.26919102
0.21544770
0.21583885
0.21622768
0.21661422
0.21699848
0.21738052
0.21776035
0.21813799
0.21851349
0.18174678
0.18213015
0.18251131
0.18289029
0.18326712
0.18364183
0.18401444
0.18438497
0.18475346
0.15768974
0.15806830
0.15844475
0.15881912
0.15919142
0.15956170
0.15992996
0.16029624
0.16066056
0.13966012
0.14003573
0.14040931
0.14078090
0.14115050
0.14151814
0.14188386
0.14224766
0.14260958
0.12564876
0.12602266
0.12639460
0.12676462
0.12713273
0.12749896
0.12786332
0.12822584
0.12858654
0.11445017
0.11482322
0.11519439
0.11556371
0.11593117
0.11629682
0.11666066
0.11702272
0.11738303
0.10529723
0.10567006
0.10604108
0.10641030
0.10677774
0.10714341
0.10750735
0.10786956
0.10823007
0.09767851
0.09805159
0.09842293
0.09879252
0.09916038
0.09952655
0.09989102
0.10025383
0.10061499
0.09123994
0.09161364
0.09198565
0.09235597
0.09272461
0.09309161
0.09345698
0.09382072
0.09418287
0.08572863
0.08610323
0.08647618
0.08684751
0.08721721
0.08758532
0.08795185
0.08831680
0.08868020
0.08095912
0.08133483
0.08170896
0.08208151
0.08245249
0.08282193
0.08318983
0.08355620
0.08392107
0.07679229
0.07716931
0.07754479
0.07791875
0.07829118
0.07866212
0.07903156
0.07939953
0.07976604
0.07312180
0.07350026
0.07387724
0.07425275
0.07462678
0.07499936
0.07537049
0.07574019
0.07610848
0.06986489
0.07024493
0.07062353
0.07100070
0.07137645
0.07175079
0.07212373
0.07249528
0.07286545
0.06695626
0.06733797
0.06771829
0.06809724
0.06847480
0.06885099
0.06922583
0.06959932
0.06997148
0.06434365
0.06472713
0.06510925
0.06549004
0.06586950
0.06624763
0.06662446
0.06699997
0.06737419
0.06198477
0.06237007
0.06275407
0.06313679
0.06351821
0.06389835
0.06427722
0.06465482
0.06503116
0.05984500
0.06023219
0.06061813
0.06100282
0.06138626
0.06176847
0.06214944
0.06252918
0.06290771
0.05789575
0.05828488
0.05867281
0.05905953
0.05944504
0.05982936
0.06021248
0.06059441
0.06097517
0.05611319
0.05650431
0.05689426
0.05728306
0.05767068
0.05805715
0.05844247
0.05882663
0.05920964
0.05447730
0.05487045
0.05526247
0.05565338
0.05604315
0.05643181
0.05681934
0.05720576
0.05759108
0.05297117
0.05336637
0.05376049
0.05415353
0.05454548
0.05493635
0.05532614
0.05571485
0.05610248
0.05158034
0.05197763
0.05237387
0.05276908
0.05316323
0.05355634
0.05394841
0.05433942
0.05472940
0.05029246
0.05069185
0.05109025
0.05148764
0.05188401
0.05227939
0.05267374
0.05306709
0.05345943
0.04909687
0.04949839
0.04989895
0.05029854
0.05069716
0.05109481
0.05149148
0.05188716
0.05228188
0.04798432
0.04838798
0.04879072
0.04919254
0.04959341
0.04999335
0.05039234
0.05079038
0.05118748
0.04694677
0.04735259
0.04775752
0.04816157
0.04856471
0.04896694
0.04936827
0.04976867
0.05016817
0.04597717
0.04638516
0.04679230
0.04719858
0.04760400
0.04800854
0.04841221
0.04881498
0.04921688
0.04506934
0.04547950
0.04588886
0.04629739
0.04670509
0.04711195
0.04751796
0.04792311
0.04832740
0.04421781
0.04463016
0.04504173
0.04545252
0.04586250
0.04627168
0.04668004
0.04708757
0.04749427
0.04341775
0.04383229
0.04424608
0.04465913
0.04507140
0.04548290
0.04589361
0.04630351
0.04671262
0.04266485
0.04308158
0.04349761
0.04391291
0.04432748
0.04474129
0.04515435
0.04556663
0.04597814
0.04195528
0.04237421
0.04279246
0.04321003
0.04362688
0.04404302
0.04445843
0.04487309
0.04528699
0.04128561
0.04170673
0.04212722
0.04254704
0.04296619
0.04338465
0.04380240
0.04421942
0.04463573
0.04065276
0.04107608
0.04149879
0.04192087
0.04234231
0.04276308
0.04318317
0.04360256
0.04402125
0.04005394
0.04047946
0.04090440
0.04132874
0.04175246
0.04217554
0.04259797
0.04301972
0.04344079
0.03948668
0.03991439
0.04034155
0.04076814
0.04119414
0.04161952
0.04204428
0.04246838
0.04289183
0.03894869
0.03937858
0.03980797
0.04023681
0.04066508
0.04109276
0.04151984
0.04194629
0.04237210
0.03843792
0.03887000
0.03930160
0.03973268
0.04016322
0.04059320
0.04102259
0.04145137
0.04187954
0.03795251
0.03838677
0.03882058
0.03925390
0.03968669
0.04011895
0.04055065
0.04098176
0.04141227
0.03749075
0.03792719
0.03836320
0.03879875
0.03923380
0.03966833
0.04010232
0.04053575
0.04096859
0.03705109
0.03748971
0.03792791
0.03836568
0.03880297
0.03923977
0.03967605
0.04011177
0.04054694
0.03663212
0.03707289
0.03751329
0.03795327
0.03839279
0.03883185
0.03927040
0.03970842
0.04014589
0.03623252
0.03667545
0.03711802
0.03756020
0.03800195
0.03844325
0.03888406
0.03932436
0.03976413
0.03585110
0.03629618
0.03674092
0.03718530
0.03762926
0.03807279
0.03851585
0.03895842
0.03940046
0.03548675
0.03593397
0.03638088
0.03682744
0.03727360
0.03771935
0.03816465
0.03860947
0.03905378
0.03513847
0.03558782
0.03603688
0.03648561
0.03693396
0.03738192
0.03782945
0.03827650
0.03872307
0.03480532
0.03525678
0.03570798
0.03615887
0.03660941
0.03705956
0.03750930
0.03795857
0.03840738
0.03448642
0.03494000
0.03539333
0.03584637
0.03629907
0.03675140
0.03720333
0.03765482
0.03810584
0.03418097
0.03463665
0.03509210
0.03554728
0.03600214
0.03645664
0.03691075
0.03736443
0.03781765
0.03388824
0.03434601
0.03480357
0.03526087
0.03571787
0.03617453
0.03663080
0.03708666
0.03754207
0.03360753
0.03406738
0.03452703
0.03498645
0.03544557
0.03590437
0.03636279
0.03682081
0.03727839
0.03333819
0.03380011
0.03426185
0.03472336
0.03518460
0.03564552
0.03610608
0.03656624
0.03702598
0.03307964
0.03354361
0.03400742
0.03447102
0.03493435
0.03539738
0.03586007
0.03632235
0.03678422
0.03283130
0.03329731
0.03376318
0.03422886
0.03469427
0.03515940
0.03562418
0.03608858
0.03655256
0.03259266
0.03306071
0.03352862
0.03399635
0.03446384
0.03493104
0.03539791
0.03586440
0.03633048
0.03033531
0.03082667
0.03131802
0.03180926
0.03230033
0.03279116
0.03328169
0.03377185
0.03426160
0.02885495
0.02936750
0.02988003
0.03039243
0.03090460
0.03141647
0.03192795
0.03243897
0.03294947
0.02784829
0.02837975
0.02891107
0.02944213
0.02997283
0.03050306
0.03103273
0.03156175
0.03209005
0.02714675
0.02769483
0.02824256
0.02878983
0.02933650
0.02988248
0.03042766
0.03097193
0.03151522
0.02664947
0.02721193
0.02777379
0.02833492
0.02889517
0.02945445
0.03001263
0.03056962
0.03112533
44%
45%
46%
47%
48%
49%
50%
3.0853%
3.1448%
3.2039%
3.2626%
3.3210%
3.3790%
3.4366%
1.03085332
1.03144799
1.03203891
1.03262613
1.03320970
1.03378967
1.03436608
0.52325717
0.52370770
0.52415547
0.52460052
0.52504288
0.52548260
0.52591969
0.35411052
0.35451501
0.35491710
0.35531682
0.35571419
0.35610926
0.35650205
0.26957623
0.26995921
0.27033998
0.27071857
0.27109501
0.27146933
0.27184155
0.21888686
0.21925813
0.21962733
0.21999448
0.22035961
0.22072274
0.22108389
0.18511992
0.18548440
0.18584689
0.18620744
0.18656606
0.18692278
0.18727762
0.16102294
0.16138340
0.16174198
0.16209869
0.16245354
0.16280658
0.16315781
0.14296964
0.14332785
0.14368424
0.14403883
0.14439164
0.14474270
0.14509201
0.12894544
0.12930257
0.12965793
0.13001155
0.13036345
0.13071366
0.13106218
0.11774159
0.11809844
0.11845358
0.11880704
0.11915883
0.11950897
0.11985749
0.10858889
0.10894604
0.10930155
0.10965542
0.11000767
0.11035833
0.11070741
0.10097450
0.10133241
0.10168871
0.10204343
0.10239658
0.10274818
0.10309825
0.09454343
0.09490242
0.09525986
0.09561576
0.09597013
0.09632300
0.09667437
0.08904206
0.08940241
0.08976124
0.09011857
0.09047443
0.09082882
0.09118175
0.08428445
0.08464634
0.08500678
0.08536575
0.08572329
0.08607940
0.08643410
0.08013110
0.08049472
0.08085691
0.08121770
0.08157708
0.08193507
0.08229169
0.07647535
0.07684083
0.07720493
0.07756765
0.07792901
0.07828902
0.07864768
0.07323426
0.07360171
0.07396781
0.07433258
0.07469602
0.07505815
0.07541897
0.07034231
0.07071182
0.07108003
0.07144693
0.07181254
0.07217688
0.07253994
0.06774711
0.06811876
0.06848914
0.06885825
0.06922611
0.06959272
0.06995809
0.06540625
0.06578010
0.06615272
0.06652410
0.06689426
0.06726321
0.06763095
0.06328502
0.06366112
0.06403602
0.06440972
0.06478224
0.06515357
0.06552373
0.06135473
0.06173313
0.06211036
0.06248643
0.06286134
0.06323510
0.06360771
0.05959151
0.05997224
0.06035184
0.06073030
0.06110764
0.06148385
0.06185895
0.05797527
0.05835837
0.05874036
0.05912125
0.05950104
0.05987974
0.06025734
0.05648903
0.05687452
0.05725892
0.05764226
0.05802453
0.05840573
0.05878587
0.05511833
0.05550622
0.05589306
0.05627886
0.05666363
0.05704735
0.05743004
0.05385075
0.05424106
0.05463036
0.05501864
0.05540591
0.05579217
0.05617741
0.05267560
0.05306835
0.05346011
0.05385088
0.05424067
0.05462947
0.05501728
0.05158362
0.05197881
0.05237304
0.05276631
0.05315862
0.05354997
0.05394036
0.05056673
0.05096437
0.05136108
0.05175686
0.05215169
0.05254559
0.05293855
0.04961787
0.05001797
0.05041716
0.05081544
0.05121280
0.05160925
0.05200478
0.04873083
0.04913338
0.04953505
0.04993584
0.05033573
0.05073473
0.05113283
0.04790012
0.04830513
0.04870928
0.04911257
0.04951499
0.04991654
0.05031721
0.04712090
0.04752837
0.04793500
0.04834078
0.04874573
0.04914981
0.04955304
0.04638885
0.04679877
0.04720787
0.04761615
0.04802361
0.04843023
0.04883601
0.04570013
0.04611249
0.04652406
0.04693483
0.04734479
0.04775394
0.04816226
0.04505128
0.04546608
0.04588011
0.04629336
0.04670582
0.04711748
0.04752834
0.04443922
0.04485645
0.04527293
0.04568865
0.04610360
0.04651777
0.04693114
0.04386116
0.04428081
0.04469974
0.04511792
0.04553534
0.04595200
0.04636788
0.04331459
0.04373666
0.04415802
0.04457865
0.04499854
0.04541767
0.04583604
0.04279725
0.04322172
0.04364549
0.04406856
0.04449090
0.04491250
0.04533335
0.04230706
0.04273392
0.04316010
0.04358559
0.04401037
0.04443442
0.04485773
0.04184215
0.04227139
0.04269997
0.04312787
0.04355506
0.04398155
0.04440730
0.04140082
0.04183243
0.04226339
0.04269367
0.04312328
0.04355218
0.04398036
0.04098151
0.04141547
0.04184879
0.04228145
0.04271344
0.04314474
0.04357533
0.04058278
0.04101907
0.04145475
0.04188977
0.04232414
0.04275782
0.04319079
0.04020333
0.04064195
0.04107995
0.04151732
0.04195404
0.04239008
0.04282542
0.03984196
0.04028288
0.04072320
0.04116290
0.04160195
0.04204033
0.04247803
0.03949755
0.03994077
0.04038339
0.04082539
0.04126676
0.04170747
0.04214749
0.03916910
0.03961459
0.04005949
0.04050379
0.04094745
0.04139046
0.04183279
0.03885566
0.03930340
0.03975057
0.04019713
0.04064307
0.04108836
0.04153297
0.03855635
0.03900633
0.03945574
0.03990456
0.04035276
0.04080031
0.04124718
0.03827038
0.03872257
0.03917421
0.03962526
0.04007569
0.04052548
0.04097460
0.03799698
0.03845139
0.03890523
0.03935849
0.03981114
0.04026314
0.04071448
0.03773548
0.03819207
0.03864810
0.03910355
0.03955839
0.04001259
0.04046612
0.03748523
0.03794397
0.03840217
0.03885979
0.03931680
0.03977317
0.04022887
0.03724561
0.03770650
0.03816684
0.03862661
0.03908577
0.03954429
0.04000214
0.03701607
0.03747909
0.03794156
0.03840345
0.03886474
0.03932539
0.03978536
0.03679610
0.03726121
0.03772579
0.03818979
0.03865318
0.03911593
0.03957800
0.03475086
0.03523959
0.03572774
0.03621525
0.03670207
0.03718817
0.03767349
0.03345935
0.03396857
0.03447706
0.03498475
0.03549158
0.03599752
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0.03366977
0.03419438
0.03471790
0.03524028
0.03576144
0.03205743
0.03259849
0.03313831
0.03367682
0.03421396
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0.03497256
Por: Prof Percy Soria A.
UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMI
TASA DE INTERES EFECTIVA ANUAL VS NOMINAL PARA PERIODOS DE CAPITALIZACION DIARIO (USO EN SISTEMA FINANCIERO
TIEA =
Tasa de inters efectiva anual
TIE(n) =
TINA =
Tasa de inters nominal anual
TIN(n) =
TIE(n) =
a)
TIEA es igual a la TIE diaria capitalizada 360d:
= ( 1+TIE(1) )^360-1
TIEA
b)
Despejamos TIE(1) :
= ( 1+TIE(1) )^360
TIEA + 1
(TIEA + 1)
^(1/360)
= ( ( 1+TIE(1) )^360 ) ^(1/360)
REGLA MATEMATICA:
Potencia de una potencia
c)
(TIEA + 1)^(1/360)
= ( 1+TIE(1) )^(360)*(1/360)
(TIEA + 1)^(1/360)
Clculo TASA INTERES EFECTIVA DE 01 DIA:
TIE(1)
d)
e)
1+TIE(1)
= (1+TIEA)^(1/360) -1
Generalizamos el clculo de TIE para el perodo n:
TIE(n)
= ( 1+TIE(1) )^n-1
TIE(n) + 1
= ( 1+TIE(1) )^n
Reemplazamos TIE(1) con frmula hallada en c):
TIE(n) + 1
= ( 1+ (1+TIEA)^(1/360) -1) )^n
TIE(n) + 1
= ((1+TIEA)^(1/360)) ^n
REGLA MATEMATICA:
Potencia de una potencia
TIE(n) + 1
f)
= (1+TIEA)^(1/360)*(n)
Clculo TASA DE INTERES EFECTIVA PARA EL PERIODO n, dada la TIEA:
TIE(n)
= (1+TIEA)^(n/360) -1
LIMA / FACULTAD ADMINISTRACION
SO EN SISTEMA FINANCIERO PERUANO)
Tasa de inters efectiva perodo n

Tasa de inters nominal perodo n
El interes nominal es capitalizado
diariamente durante el perodo n

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Simulador - Valor Dinero en El Tiempo Ver2.5

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Formatos disponibles

Elaborado por: Prof Percy Soria A.

UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION

VALOR DEL DINERO EN EL TIEMPO

2) VALOR PRESENTE DE UNA CANTIDAD UNICA:

3) VALOR FUTURO DE UNA ANUALIDAD ORDINARIA:

4) VALOR PRESENTE DE UNA ANUALIDAD ORDINARIA:

TABLA A-1 FACTORES DE INTERES DEL VALOR FUTURO:

Preparado por Prof Percy Soria A - USMP 11/17/2012

Preparado por Prof Percy Soria A - USMP 11/17/2012

TABLA A-2 FACTORES DE INTERES DEL VALOR PRESENTE:

FACTORES DE INTERES DEL VALOR FUTURO PARA UNA ANUALIDAD

FACTORES DE INTERES DEL VALOR PRESENTE PARA UNA ANUALIDAD

Elaborado por: Prof Percy Soria A.

UNIVERSIDAD DE SAN MARTIN DE

VALOR DEL DINERO EN EL TIEMPO - CON TASAS DE INTERES C

2) VALOR PRESENTE DE UNA CANTIDAD UNICA:

3) VALOR FUTURO DE UNA CUOTA MENSUAL (CM) ORDINARIA:

4) VALOR PRESENTE DE UNA CUOTA MENSUAL (CM) ORDINARIA:

5) CUOTA MENSUAL (CM) ORDINARIA DADO UN VALOR FUTURO:

6) CUOTA MENSUAL (CM) ORDINARIA DADO UN VALOR PRESENTE - VER "CRON

7) VALOR FUTURO DE UNA SERIE COMBINADA:

8) VALOR PRESENTE DE UNA SERIE COMBINADA:

Elaborado por: Prof Percy Soria A.

UNIVERSIDAD DE SAN MARTIN DE

SIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION

TASAS DE INTERES CAPITALIZACION DIARIA Y MENSUAL

PRESENTE - VER "CRONOGRAMA"

SIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION

Elaborado por: Prof Percy Soria A.

UNIVERSIDAD DE SAN MARTIN DE POR

6) CRONOGRAMA DE PAGOS DE UN PRESTAMO

VALOR PRESENTE DEL PREST

CUOTA MENSUAL ORDINAR

NRO CUOTAS MENSUALES P

TASA DE INTERES EFECTIVA

SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION

CRONOGRAMA DE PAGOS DE UN PRESTAMO

TABLA D-5 FACTOR DE INTERES (DIA) DEL VALOR FUTURO:

TABLA D-6 FACTOR DE INTERES (DIA) DEL VALOR PRESENTE:

FACTOR DE INTERES DEL VALOR FUTURO PARA UNA CUOTA ME

RO PARA UNA CUOTA MENSUAL ORDINARIA:

FACTOR DE INTERES DEL VALOR PRESENTE PARA UNA CUOTA MEN

NTE PARA UNA CUOTA MENSUAL ORDINARIA:

FACTOR DE INTERES DE CUOTA MENSUAL ORDINARIA PARA U

SUAL ORDINARIA PARA UN VALOR FUTURO:

FACTOR DE INTERES DE CUOTA MENSUAL ORDINARIA PARA UN VAL

DINARIA PARA UN VALOR PRESENTE:

Por: Prof Percy Soria A.

UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMI

Tasa de inters efectiva anual

Tasa de inters nominal anual

TIEA es igual a la TIE diaria capitalizada 360d:

= ( ( 1+TIE(1) )^360 ) ^(1/360)

Potencia de una potencia

Clculo TASA INTERES EFECTIVA DE 01 DIA:

Generalizamos el clculo de TIE para el perodo n:

Reemplazamos TIE(1) con frmula hallada en c):

= ( 1+ (1+TIEA)^(1/360) -1) )^n

Potencia de una potencia

Clculo TASA DE INTERES EFECTIVA PARA EL PERIODO n, dada la TIEA:

LIMA / FACULTAD ADMINISTRACION

SO EN SISTEMA FINANCIERO PERUANO)

Tasa de inters efectiva perodo n

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