0.

06 beneficio =

0.1 x
0
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

$ 230,000

lx
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75

Factor de
Capitalizacion
Acturial

dx
90,502
90,297
90,083
89,865
89,640
89,415
89,178
88,947
88,699
88,436
88,149
87,826
87,485
87,149
86,740
86,350
85,926
85,516
85,051
84,565
84,037
83,453
82,839
82,205
81,551
80,868
80,112
79,375
78,562
77,673
76,684
75,541
74,354
73,107
72,034
70,510
69,056
67,668
66,135
64,461
62,584

205
215
218
226
225
237
231
249
263
287
323
342
336
409
390
425
410
466
486
528
585
614
635
654
683
756
737
814
889
990
1,143
1,187
1,247
1,073
1,524
1,454
1,388
1,533
1,674
1,878
2,203

Probilidad de que
una persona de n no
llegue a n+1
0.002260
0.002375
0.002414
0.002509
0.002504
0.002651
0.002590
0.002794
0.002965
0.003240
0.003664
0.003888
0.003841
0.004687
0.004496
0.004916
0.004766
0.005443
0.005708
0.006244
0.006955
0.007351
0.007659
0.007956
0.008369
0.009349
0.009200
0.010249
0.011310
0.012739
0.014905
0.015713
0.016765
0.014677
0.021157
0.020621
0.020100
0.022655
0.025312
0.029126
0.035193

Vn (6%)
1.000
0.943
0.890
0.840
0.792
0.747
0.705
0.665
0.627
0.592
0.558
0.527
0.497
0.469
0.442
0.417
0.394
0.371
0.350
0.331
0.312
0.294
0.278
0.262
0.247
0.233
0.220
0.207
0.196
0.185
0.174
0.164
0.155
0.146
0.138
0.130
0.123
0.116
0.109
0.103
0.097

41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95

60,381
58,097
55,721
53,336
50,807
48,342
45,785
43,034
40,057
36,758
33,381
29,866
26,250
21,918
17,676
13,193
9,430
6,177
3,799
0

2,284
2,377
2,385
2,529
2,465
2,558
2,751
2,977
3,299
3,378
3,515
3,616
4,332
4,242
4,484
3,763
3,254
2,378
3,799
0

0.037826
0.040906
0.042803
0.047417
0.048508
0.052904
0.060075
0.069178
0.082358
0.091885
0.105301
0.121076
0.165013
0.193540
0.253649
0.285200
0.345016
0.384927
1.000000

0.092
0.087
0.082
0.077
0.073
0.069
0.065
0.061
0.058
0.054
0.051
0.048
0.046
0.043
0.041
0.038
0.036
0.034
0.032
0.030

Factor de
Capitalizacion
Acturial

Variable

Vn (10%)
519.715
515.437
494.237
484.581
456.269
455.550
419.998
427.348
427.878
441.035
470.603
471.119
439.001
505.456
457.394
471.797
431.485
464.944
459.975
474.635
498.798
497.370
488.872
479.044
475.404
500.987
465.099
488.814
508.875
540.759
596.893
593.631
597.491
493.486
671.082
617.073
567.420
603.350
635.959
690.370
786.954

1.000
0.909
0.826
0.751
0.683
0.621
0.564
0.513
0.467
0.424
0.386
0.350
0.319
0.290
0.263
0.239
0.218
0.198
0.180
0.164
0.149
0.135
0.123
0.112
0.102
0.092
0.084
0.076
0.069
0.063
0.057
0.052
0.047
0.043
0.039
0.036
0.032
0.029
0.027
0.024
0.022

519.72
496.69
458.95
433.62
393.44
378.53
336.30
329.74
318.15
316.00
324.93
313.46
281.46
312.29
272.32
270.68
238.55
247.70
236.14
234.81
237.79
228.48
216.41
204.35
195.42
198.45
177.54
179.80
180.38
184.71
196.47
188.29
182.62
145.35
190.47
168.77
149.55
153.23
155.64
162.82
178.84

Cx(6%)

Mx(6%)

Cx(10%)

106,281.75
110,561.33
107,496.47
109,272.97
102,432.47
107,965.46
97,019.47
106,196.02
112,532.03
126,356.52
152,004.64
160,887.25
147,504.37
206,478.95
178,383.84
200,277.84
176,693.16
216,431.33
223,318.07
250,607.23
291,547.30
305,136.70
310,189.58
313,294.55
324,463.43
378,746.03
342,777.84
397,649.87
452,135.60
535,080.67
682,248.22
704,640.49
744,771.92
529,510.73
1,022,729.59
897,223.52
787,579.13
924,936.23
1,064,595.20
1,296,169.93
1,733,265.98

131,246,243.36
131,139,961.62
131,029,400.29
130,921,903.82
130,812,630.85
130,710,198.38
130,602,232.93
130,505,213.46
130,399,017.44
130,286,485.41
130,160,128.89
130,008,124.25
129,847,237.00
129,699,732.63
129,493,253.67
129,314,869.83
129,114,591.99
128,937,898.83
128,721,467.50
128,498,149.44
128,247,542.21
127,955,994.91
127,650,858.21
127,340,668.63
127,027,374.08
126,702,910.65
126,324,164.62
125,981,386.78
125,583,736.90
125,131,601.30
124,596,520.63
123,914,272.41
123,209,631.92
122,464,859.99
121,935,349.26
120,912,619.68
120,015,396.16
119,227,817.03
118,302,880.80
117,238,285.59
115,942,115.66

106,281.75
106,540.91
99,820.69
97,780.51
88,326.37
89,712.04
77,685.14
81,940.86
83,672.27
90,534.95
104,951.50
107,045.06
94,572.10
127,569.58
106,203.80
114,902.80
97,685.62
115,303.95
114,646.58
123,977.82
138,986.50
140,175.21
137,314.74
133,646.01
133,377.35
150,029.82
130,844.49
146,270.49
160,264.65
182,768.56
224,562.80
223,499.31
227,638.16
155,958.74
290,274.54
245,392.88
207,571.96
234,908.89
260,546.56
305,686.29
393,905.84

797.964
814.077
803.617
839.851
810.538
833.967
893.399
970.540
1,090.045
1,147.303
1,240.398
1,345.493
1,729.953
1,914.172
2,366.674
2,510.434
2,865.053
3,015.544
7,390.636
-

0.020
0.018
0.017
0.015
0.014
0.012
0.011
0.010
0.009
0.009
0.008
0.007
0.006
0.006
0.005
0.005
0.004
0.004
0.004
0.003

174.75
171.80
163.42
164.58
153.06
151.76
156.66
164.00
177.50
180.03
187.56
196.05
242.90
259.00
308.58
315.42
346.88
351.83
830.92
-

1,822,549.19
1,934,654.53
1,916,626.07
2,123,983.08
1,997,571.19
2,132,871.57
2,457,293.27
2,889,297.47
3,596,057.68
3,875,015.24
4,360,000.40
4,865,303.04
7,493,290.66
8,119,915.64
10,610,982.58
9,445,507.46
9,321,449.38
7,169,456.86
28,077,024.37
-

114,208,849.68
112,386,300.50
110,451,645.96
108,535,019.89
106,411,036.81
104,413,465.62
102,280,594.06
99,823,300.79
96,934,003.32
93,337,945.64
89,462,930.40
85,102,930.01
80,237,626.97
72,744,336.30
64,624,420.66
54,013,438.08
44,567,930.61
35,246,481.23
28,077,024.37
28,077,024.37

399,134.84
408,278.95
389,766.17
416,227.70
377,220.57
388,124.44
430,899.96
488,230.50
585,561.45
608,040.38
659,263.02
708,916.79
1,052,134.17
1,098,659.82
1,383,504.28
1,186,761.32
1,128,586.14
836,470.64
3,156,666.53
-

Variable

Mx(10%)
21,955,225.73
21,848,943.98
21,742,403.06
21,642,582.38
21,544,801.87
21,456,475.50
21,366,763.46
21,289,078.32
21,207,137.46
21,123,465.19
21,032,930.23
20,927,978.74
20,820,933.68
20,726,361.58
20,598,791.99
20,492,588.20
20,377,685.40
20,279,999.78
20,164,695.83
20,050,049.26
19,926,071.43
19,787,084.93
19,646,909.72
19,509,594.97
19,375,948.97
19,242,571.62
19,092,541.80
18,961,697.31
18,815,426.82
18,655,162.17
18,472,393.61
18,247,830.81
18,024,331.51
17,796,693.35
17,640,734.61
17,350,460.07
17,105,067.20
16,897,495.24
16,662,586.35
16,402,039.78
16,096,353.49

Dx(6%)
90501.50
85185.85
80173.10
75452.39
71002.88
66816.09
62866.97
59154.84
55650.54
52344.84
49221.94
46265.64
43477.12
40858.62
38365.19
36030.84
33824.25
31757.60
29796.91
27949.83
26203.13
24548.00
22988.24
21520.91
20141.22
18842.13
17609.42
16459.83
15369.00
14335.08
13351.37
12407.89
11521.62
10687.24
9934.32
9173.72
8475.99
7835.49
7224.51
6643.06
6084.50

Dx(10%)
90501.50
82088.18
74448.35
67516.90
61224.98
55519.68
50338.66
45643.88
41378.50
37505.28
33985.26
30782.48
27875.26
25243.82
22841.35
20671.50
18699.89
16918.88
15297.08
13827.05
12491.56
11276.98
10176.44
9180.45
8279.46
7463.79
6721.83
6054.54
5447.72
4896.46
4394.62
3935.56
3521.56
3147.75
2819.59
2509.04
2233.91
1990.00
1768.11
1566.69
1382.78

Ax(6%)

Ax(10%)

1,450.21
1,539.46
1,634.33
1,735.16
1,842.36
1,956.27
2,077.44
2,206.16
2,343.18
2,489.00
2,644.35
2,810.04
2,986.57
3,174.35
3,375.28
3,589.01
3,817.22
4,060.06
4,319.96
4,597.46
4,894.36
5,212.48
5,552.88
5,917.07
6,306.83
6,724.45
7,173.67
7,653.87
8,171.24
8,729.05
9,332.11
9,986.73
10,693.77
11,458.98
12,274.15
13,180.33
14,159.46
15,216.38
16,375.21
17,648.23
19,055.31

242.60
266.16
292.05
320.55
351.90
386.47
424.46
466.42
512.52
563.21
618.88
679.87
746.93
821.05
901.82
991.34
1,089.72
1,198.66
1,318.21
1,450.06
1,595.16
1,754.64
1,930.63
2,125.12
2,340.24
2,578.12
2,840.38
3,131.81
3,453.82
3,809.93
4,203.41
4,636.65
5,118.28
5,653.78
6,256.49
6,915.19
7,657.02
8,491.19
9,423.95
10,469.25
11,640.59

15,702,447.65
15,303,312.81
14,895,033.86
14,505,267.69
14,089,040.00
13,711,819.42
13,323,694.98
12,892,795.02
12,404,564.53
11,819,003.08
11,210,962.70
10,551,699.68
9,842,782.90
8,790,648.73
7,691,988.90
6,308,484.62
5,121,723.31
3,993,137.17
3,156,666.53
3,156,666.53

5538.09
5026.98
4548.44
4107.32
3691.10
3313.25
2960.35
2625.01
2305.11
1995.53
1709.60
1442.99
1196.49
942.51
717.07
504.89
340.47
210.38
122.07
0.00

1212.83
1060.87
924.97
804.89
697.03
602.92
519.11
443.57
375.35
313.12
258.50
210.26
168.00
127.53
93.49
63.44
41.22
24.55
13.72
0.00

20,622.43
22,356.61
24,283.39
26,424.79
28,829.12
31,513.87
34,550.19
38,027.85
42,051.85
46,773.47
52,329.84
58,976.60
67,060.67
77,181.82
90,122.92
106,980.14
130,901.64
167,538.07
230,000.00
#DIV/0!

12,946.94
14,425.29
16,103.19
18,021.36
20,213.10
22,742.28
25,666.25
29,065.93
33,047.96
37,745.33
43,368.76
50,184.81
58,588.07
68,932.65
82,272.05
99,446.23
124,247.45
162,685.00
230,000.00
#DIV/0!

0.06 beneficio =

0.1 x
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

$ 230,000

lx
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74

Factor de
Capitalizacion
Acturial
Probilidad de que una
persona de n no
llegue a n+1

dx
88,918
88,646
88,368
88,088
87,798
87,513
87,208
86,922
86,611
86,287
85,938
85,538
85,123
84,738
84,223
83,758
83,238
82,746
82,206
81,637
81,020
80,329
79,614
78,884
78,117
77,353
76,449
75,623
74,701
73,702
72,592
71,268
69,937
68,546
67,809
65,659
63,956
62,453
60,766
58,950

272
278
280
290
285
305
286
311
324
349
400
415
385
515
465
520
492
540
569
617
691
715
730
767
764
904
826
922
999
1,110
1,324
1,331
1,391
737
2,150
1,703
1,503
1,687
1,816
2,025

0.003059
0.003136
0.003169
0.003292
0.003246
0.003485
0.003280
0.003578
0.003741
0.004045
0.004655
0.004852
0.004523
0.006078
0.005521
0.006208
0.005911
0.006526
0.006922
0.007558
0.008529
0.008901
0.009169
0.009723
0.009780
0.011687
0.010805
0.012192
0.013373
0.015061
0.018239
0.018676
0.019889
0.010752
0.031707
0.025937
0.023501
0.027012
0.029885
0.034351

Vn (6%)
1.000000
0.943396
0.889996
0.839619
0.792094
0.747258
0.704961
0.665057
0.627412
0.591898
0.558395
0.526788
0.496969
0.468839
0.442301
0.417265
0.393646
0.371364
0.350344
0.330513
0.311805
0.294155
0.277505
0.261797
0.246979
0.232999
0.219810
0.207368
0.195630
0.184557
0.174110
0.164255
0.154957
0.146186
0.137912
0.130105
0.122741
0.115793
0.109239
0.103056

703.570
680.468
648.603
635.757
591.377
598.999
531.744
547.290
539.825
550.624
597.784
587.831
516.977
655.361
561.653
595.823
535.152
557.410
557.739
574.532
611.641
602.197
585.238
585.463
555.565
626.286
546.240
581.496
601.731
639.295
730.384
705.553
708.860
361.509
1,005.726
776.145
663.429
719.404
750.862
814.217

40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95

56,925
54,464
52,014
49,499
46,824
44,291
41,736
39,131
36,356
33,437
30,270
27,035
23,176
19,677
16,430
13,419
9,889
7,069
4,630
2,848
0

2,461
2,450
2,515
2,675
2,533
2,555
2,605
2,775
2,919
3,167
3,235
3,859
3,499
3,247
3,011
3,530
2,820
2,439
1,782
2,848
0

0.043232
0.044984
0.048352
0.054041
0.054096
0.057687
0.062416
0.070916
0.080289
0.094715
0.106871
0.142741
0.150975
0.165015
0.183262
0.263060
0.285165
0.345028
0.384881
1.000000

0.097222
0.091719
0.086527
0.081630
0.077009
0.072650
0.068538
0.064658
0.060998
0.057546
0.054288
0.051215
0.048316
0.045582
0.043001
0.040567
0.038271
0.036105
0.034061
0.032133
0.030314

966.722
948.951
962.275
1,014.619
958.156
963.916
983.909
1,054.616
1,126.430
1,253.606
1,334.432
1,681.423
1,677.754
1,729.977
1,812.526
2,454.482
2,510.129
2,865.150
3,015.188
7,390.636
-

Factor de
Capitalizacion
Acturial

Variable

Vn (10%)
1.000
0.909
0.826
0.751
0.683
0.621
0.564
0.513
0.467
0.424
0.386
0.350
0.319
0.290
0.263
0.239
0.218
0.198
0.180
0.164
0.149
0.135
0.123
0.112
0.102
0.092
0.084
0.076
0.069
0.063
0.057
0.052
0.047
0.043
0.039
0.036
0.032
0.029
0.027
0.024

703.57
655.72
602.29
568.89
509.94
497.73
425.78
422.29
401.38
394.52
412.74
391.11
331.46
404.90
334.39
341.83
295.86
296.96
286.33
284.23
291.58
276.64
259.07
249.75
228.38
248.09
208.51
213.90
213.29
218.37
240.41
223.79
216.66
106.48
285.45
212.28
174.85
182.71
183.76
192.02

Cx(6%)

Mx(6%)

Cx(10%)

191,370.93
189,170.07
181,608.91
184,369.67
168,542.52
182,694.56
152,078.70
170,207.17
174,903.25
192,167.76
239,113.40
243,949.77
199,036.16
337,510.93
261,168.58
309,827.70
263,294.97
301,001.48
317,353.49
354,486.49
422,643.69
430,570.62
427,223.44
449,050.04
424,451.65
566,162.24
451,194.32
536,139.02
601,129.68
709,617.68
967,028.08
939,090.73
986,023.82
266,432.46
2,162,310.20
1,321,775.15
997,133.61
1,213,633.85
1,363,565.47
1,648,789.97

125,877,058.54
125,685,687.61
125,496,517.54
125,314,908.64
125,130,538.96
124,961,996.45
124,779,301.89
124,627,223.19
124,457,016.02
124,282,112.77
124,089,945.01
123,850,831.61
123,606,881.83
123,407,845.67
123,070,334.74
122,809,166.17
122,499,338.46
122,236,043.50
121,935,042.01
121,617,688.52
121,263,202.03
120,840,558.35
120,409,987.73
119,982,764.29
119,533,714.25
119,109,262.59
118,543,100.35
118,091,906.03
117,555,767.01
116,954,637.33
116,245,019.65
115,277,991.57
114,338,900.84
113,352,877.02
113,086,444.55
110,924,134.35
109,602,359.20
108,605,225.59
107,391,591.74
106,028,026.27

191,370.93
182,291.16
168,641.13
164,979.14
145,332.32
151,806.90
121,772.01
131,331.86
130,047.89
137,688.97
165,095.69
162,310.05
127,611.60
208,525.50
155,491.07
177,753.41
145,563.82
160,358.76
162,922.30
175,367.90
201,482.81
197,797.67
189,123.30
191,556.94
174,479.56
224,269.60
172,229.01
197,211.97
213,077.31
242,385.51
318,298.42
297,862.71
301,376.35
78,473.33
613,714.13
361,508.81
262,801.50
308,230.31
333,715.85
388,847.54

Mx(10%)
23,569,093.23
23,377,722.30
23,195,431.15
23,026,790.02
22,861,810.88
22,716,478.57
22,564,671.66
22,442,899.66
22,311,567.79
22,181,519.90
22,043,830.93
21,878,735.24
21,716,425.20
21,588,813.60
21,380,288.09
21,224,797.03
21,047,043.62
20,901,479.80
20,741,121.03
20,578,198.74
20,402,830.83
20,201,348.03
20,003,550.36
19,814,427.06
19,622,870.12
19,448,390.57
19,224,120.97
19,051,891.96
18,854,679.98
18,641,602.67
18,399,217.16
18,080,918.74
17,783,056.03
17,481,679.67
17,403,206.34
16,789,492.22
16,427,983.40
16,165,181.91
15,856,951.59
15,523,235.74

0.022
0.020
0.018
0.017
0.015
0.014
0.012
0.011
0.010
0.009
0.009
0.008
0.007
0.006
0.006
0.005
0.005
0.004
0.004
0.004
0.003

219.70
207.82
203.07
206.33
187.77
182.03
179.04
184.93
190.34
204.13
209.39
254.24
244.46
242.91
245.24
320.03
315.38
346.90
351.79
830.92
-

2,379,103.93
2,324,930.61
2,420,121.78
2,714,105.83
2,427,010.37
2,462,806.11
2,563,082.97
2,926,558.41
3,288,049.89
3,970,171.43
4,316,887.41
6,488,613.28
5,870,461.51
5,617,235.98
5,457,516.52
8,664,320.41
7,078,564.94
6,988,100.38
5,373,064.56
21,048,529.98
-

104,379,236.30
102,000,132.38
99,675,201.77
97,255,079.99
94,540,974.17
92,113,963.79
89,651,157.68
87,088,074.71
84,161,516.30
80,873,466.41
76,903,294.98
72,586,407.57
66,097,794.29
60,227,332.78
54,610,096.81
49,152,580.28
40,488,259.87
33,409,694.93
26,421,594.55
21,048,529.98
21,048,529.98

540,680.39
509,155.43
510,729.31
551,942.10
475,610.64
465,075.36
466,411.18
513,188.20
555,611.27
646,479.99
677,375.88
981,124.40
855,377.08
788,717.02
738,425.67
1,129,690.33
889,371.70
846,078.00
626,883.02
2,366,461.25
-

15,134,388.20
14,593,707.81
14,084,552.38
13,573,823.06
13,021,880.96
12,546,270.33
12,081,194.97
11,614,783.80
11,101,595.60
10,545,984.33
9,899,504.34
9,222,128.46
8,241,004.06
7,385,626.98
6,596,909.96
5,858,484.29
4,728,793.96
3,839,422.26
2,993,344.26
2,366,461.25
2,366,461.25

riable

Dx(6%)
88918.00
83628.30
78647.21
73960.38
69544.24
65394.80
61478.20
57808.09
54340.81
51073.14
47987.33
45060.35
42303.52
39728.48
37251.91
34949.29
32766.33
30728.92
28800.36
26982.09
25262.42
23629.21
22093.29
20651.62
19293.22
18023.14
16804.26
15681.79
14613.77
13602.20
12639.00
11706.11
10837.26
10020.48
9351.64
8542.58
7850.01
7231.63
6638.01
6075.12

Dx(10%)
88918.00
80587.27
73031.40
66181.82
59967.22
54338.69
49226.64
44604.73
40404.67
36594.11
33132.82
29980.55
27122.81
24545.58
22178.55
20051.00
18115.01
16370.85
14785.47
13348.30
12043.11
10854.90
9780.26
8809.62
7930.88
7139.37
6414.49
5768.35
5180.02
4646.13
4160.14
3712.97
3312.39
2951.37
2654.21
2336.42
2068.92
1836.64
1624.57
1432.75

Ax(6%)

Ax(10%)

1,415.65
1,502.91
1,595.69
1,694.35
1,799.29
1,910.89
2,029.65
2,155.88
2,290.30
2,433.41
2,585.89
2,748.55
2,921.91
3,106.28
3,303.73
3,513.92
3,738.57
3,977.88
4,233.80
4,507.35
4,800.14
5,114.03
5,450.07
5,809.85
6,195.63
6,608.68
7,054.35
7,530.51
8,044.18
8,598.21
9,197.33
9,847.67
10,550.54
11,312.12
12,092.68
12,984.85
13,962.07
15,018.08
16,178.29
17,452.82

265.07
290.09
317.61
347.93
381.24
418.05
458.38
503.15
552.20
606.15
665.32
729.76
800.67
879.54
964.01
1,058.54
1,161.86
1,276.75
1,402.80
1,541.63
1,694.15
1,861.03
2,045.30
2,249.18
2,474.24
2,724.10
2,996.98
3,302.83
3,639.89
4,012.29
4,422.74
4,869.67
5,368.65
5,923.24
6,556.82
7,186.00
7,940.35
8,801.50
9,760.70
10,834.61

5534.37
4995.39
4500.64
4040.58
3605.87
3217.74
2860.49
2530.14
2217.66
1924.15
1643.31
1384.61
1119.78
896.91
706.51
544.37
378.46
255.23
157.70
91.52
0.00

1257.75
1093.98
949.79
821.70
706.63
607.64
520.53
443.67
374.74
313.32
257.86
209.36
163.16
125.94
95.59
70.98
47.55
30.90
18.40
10.29
0.00

18,860.17
20,418.87
22,146.91
24,069.56
26,218.61
28,626.87
31,341.15
34,420.20
37,950.63
42,030.65
46,797.84
52,423.75
59,027.38
67,149.94
77,295.13
90,291.89
106,980.64
130,902.77
167,539.89
230,000.00
#DIV/0!

12,032.87
13,340.01
14,829.13
16,519.28
18,428.22
20,647.62
23,209.33
26,178.60
29,624.99
33,659.01
38,391.52
44,048.56
50,508.13
58,646.32
69,009.36
82,539.68
99,446.24
124,248.44
162,686.46
230,000.00
#DIV/0!

0.06 beneficio =

0.1 x
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

$ 230,000

lx
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74

Factor de
Capitalizacion
Acturial
Probilidad de que
una persona de n no
llegue a n+1

dx
92,085
91,948
91,797
91,642
91,481
91,317
91,148
90,972
90,786
90,584
90,360
90,114
89,846
89,559
89,257
88,942
88,613
88,286
87,895
87,493
87,054
86,576
86,064
85,525
84,984
84,383
83,775
83,127
82,422
81,644
80,775
79,813
78,770
77,668
76,259
75,361
74,156
72,883
71,504
69,972

137
151
155
161
164
169
176
186
202
224
246
268
287
302
315
329
327
391
402
439
478
512
539
541
601
608
648
705
778
869
962
1,043
1,102
1,409
898
1,205
1,273
1,379
1,532
1,730

0.001488
0.001642
0.001689
0.001757
0.001793
0.001851
0.001931
0.002045
0.002225
0.002473
0.002722
0.002974
0.003194
0.003372
0.003529
0.003699
0.003690
0.004429
0.004574
0.005018
0.005491
0.005914
0.006263
0.006326
0.007072
0.007205
0.007735
0.008481
0.009439
0.010644
0.011910
0.013068
0.013990
0.018141
0.011776
0.015990
0.017167
0.018921
0.021425
0.024724

Vn (6%)
1.000000
0.943396
0.889996
0.839619
0.792094
0.747258
0.704961
0.665057
0.627412
0.591898
0.558395
0.526788
0.496969
0.468839
0.442301
0.417265
0.393646
0.371364
0.350344
0.330513
0.311805
0.294155
0.277505
0.261797
0.246979
0.232999
0.219810
0.207368
0.195630
0.184557
0.174110
0.164255
0.154957
0.146186
0.137912
0.130105
0.122741
0.115793
0.109239
0.103056

342.184
356.333
345.636
339.267
326.601
318.078
313.082
312.746
321.080
336.645
349.646
360.334
365.124
363.621
359.016
355.000
334.106
378.280
368.540
381.424
393.776
400.108
399.729
380.888
401.721
386.127
391.053
404.498
424.717
451.807
476.925
493.693
498.610
609.963
373.520
478.479
484.617
503.905
538.311
586.031

40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95

68,242
66,298
64,180
61,942
59,847
57,322
54,948
52,438
49,712
46,677
43,246
39,726
36,555
32,822
27,406
21,933
16,496
11,791
7,723
4,750
0

1,944
2,118
2,238
2,095
2,525
2,374
2,510
2,726
3,035
3,431
3,520
3,171
3,733
5,416
5,473
5,437
4,705
4,068
2,973
4,750
0

0.028487
0.031947
0.034871
0.033822
0.042191
0.041415
0.045680
0.051985
0.061052
0.073505
0.081395
0.079822
0.102120
0.165011
0.199701
0.247891
0.285221
0.345009
0.384954
1.000000

0.097222
0.091719
0.086527
0.081630
0.077009
0.072650
0.068538
0.064658
0.060998
0.057546
0.054288
0.051215
0.048316
0.045582
0.043001
0.040567
0.038271
0.036105
0.034061
0.032133
0.030314

636.998
673.927
693.972
635.001
747.289
692.027
720.079
773.093
856.532
972.878
1,016.322
940.265
1,134.838
1,729.938
1,975.108
2,312.952
2,510.616
2,864.995
3,015.758
7,390.636
-

Factor de
Capitalizacion
Acturial

Variable

Vn (10%)
1.000
0.909
0.826
0.751
0.683
0.621
0.564
0.513
0.467
0.424
0.386
0.350
0.319
0.290
0.263
0.239
0.218
0.198
0.180
0.164
0.149
0.135
0.123
0.112
0.102
0.092
0.084
0.076
0.069
0.063
0.057
0.052
0.047
0.043
0.039
0.036
0.032
0.029
0.027
0.024

342.18
343.38
320.96
303.59
281.62
264.30
250.69
241.31
238.74
241.21
241.41
239.75
234.10
224.66
213.75
203.67
184.71
201.53
189.20
188.69
187.72
183.80
176.95
162.48
165.14
152.95
149.27
148.79
150.55
154.32
156.98
156.59
152.40
179.65
106.01
130.87
127.72
127.98
131.75
138.21

Cx(6%)

Mx(6%)

Cx(10%)

46,879.19
53,806.36
53,573.62
54,621.98
53,562.54
53,755.18
55,102.44
58,170.79
64,858.18
75,408.38
86,012.82
96,569.65
104,790.64
109,813.63
113,090.09
116,795.14
109,252.67
147,907.37
148,152.91
167,444.98
188,225.12
204,855.24
215,454.12
206,060.33
241,434.23
234,765.03
253,402.51
285,171.16
330,430.14
392,620.55
458,801.74
514,921.46
549,468.11
859,437.20
335,420.80
576,567.28
616,917.65
694,885.28
824,692.70
1,013,834.37

140,786,848.64
140,739,969.46
140,686,163.10
140,632,589.48
140,577,967.50
140,524,404.96
140,470,649.78
140,415,547.34
140,357,376.56
140,292,518.37
140,217,110.00
140,131,097.18
140,034,527.53
139,929,736.89
139,819,923.27
139,706,833.18
139,590,038.04
139,480,785.37
139,332,878.01
139,184,725.09
139,017,280.11
138,829,054.99
138,624,199.75
138,408,745.63
138,202,685.31
137,961,251.07
137,726,486.05
137,473,083.54
137,187,912.38
136,857,482.24
136,464,861.69
136,006,059.95
135,491,138.49
134,941,670.38
134,082,233.18
133,746,812.39
133,170,245.11
132,553,327.45
131,858,442.17
131,033,749.47

46,879.19
51,849.76
49,748.20
48,877.27
46,186.38
44,666.94
44,121.46
44,884.58
48,224.78
54,030.40
59,387.49
64,251.85
67,186.29
67,846.52
67,330.07
67,007.35
60,400.83
78,797.76
76,058.44
82,836.65
89,730.73
94,107.42
95,377.24
87,901.75
99,246.49
92,995.71
96,728.31
104,896.61
117,124.76
134,108.17
151,015.13
163,323.84
167,943.91
253,133.19
95,200.25
157,692.59
162,592.94
176,482.15
201,833.38
239,100.80

Mx(10%)
21,440,125.87
21,393,246.68
21,341,396.92
21,291,648.72
21,242,771.45
21,196,585.07
21,151,918.13
21,107,796.67
21,062,912.09
21,014,687.31
20,960,656.91
20,901,269.42
20,837,017.57
20,769,831.28
20,701,984.76
20,634,654.69
20,567,647.34
20,507,246.50
20,428,448.74
20,352,390.30
20,269,553.64
20,179,822.91
20,085,715.50
19,990,338.25
19,902,436.50
19,803,190.01
19,710,194.30
19,613,465.99
19,508,569.38
19,391,444.63
19,257,336.45
19,106,321.32
18,942,997.49
18,775,053.58
18,521,920.39
18,426,720.14
18,269,027.54
18,106,434.60
17,929,952.46
17,728,119.08

0.022
0.020
0.018
0.017
0.015
0.014
0.012
0.011
0.010
0.009
0.009
0.008
0.007
0.006
0.006
0.005
0.005
0.004
0.004
0.004
0.003

144.77
147.59
146.45
129.13
146.44
130.68
131.03
135.57
144.74
158.42
159.47
142.17
165.36
242.90
267.24
301.57
315.44
346.88
351.85
830.92
-

1,238,323.17
1,427,377.49
1,553,109.04
1,330,327.17
1,886,905.47
1,642,873.01
1,807,397.13
2,107,452.29
2,599,575.64
3,337,943.17
3,577,453.16
2,981,579.22
4,236,351.95
9,369,345.35
10,809,767.54
12,575,517.73
11,812,450.15
11,654,798.38
8,965,849.29
35,105,518.76
-

130,019,915.11
128,781,591.93
127,354,214.44
125,801,105.40
124,470,778.24
122,583,872.76
120,940,999.76
119,133,602.63
117,026,150.34
114,426,574.70
111,088,631.53
107,511,178.37
104,529,599.15
100,293,247.20
90,923,901.85
80,114,134.31
67,538,616.58
55,726,166.43
44,071,368.04
35,105,518.76
35,105,518.76

281,424.05
312,592.99
327,759.67
270,536.09
369,768.63
310,239.50
328,896.97
369,553.41
439,273.60
543,531.56
561,349.01
450,835.95
617,273.17
1,315,551.31
1,462,608.46
1,639,648.59
1,484,150.95
1,411,094.28
1,046,058.28
3,946,871.81
-

17,489,018.27
17,207,594.23
16,895,001.24
16,567,241.57
16,296,705.49
15,926,936.85
15,616,697.35
15,287,800.38
14,918,246.96
14,478,973.36
13,935,441.81
13,374,092.80
12,923,256.85
12,305,983.68
10,990,432.37
9,527,823.91
7,888,175.32
6,404,024.37
4,992,930.09
3,946,871.81
3,946,871.81

riable

Dx(6%)
92085.00
86743.40
81699.00
76944.39
72461.52
68237.37
64255.74
60501.58
56960.26
53616.53
50456.55
47470.93
44650.71
41988.75
39478.46
37112.39
34882.18
32786.28
30793.47
28917.57
27143.85
25466.80
23883.20
22390.21
20989.22
19661.12
18414.59
17237.88
16124.23
15067.95
14063.75
13109.67
12205.99
11353.99
10517.00
9804.86
9101.96
8439.35
7811.01
7211.00

Dx(10%)
92085.00
83589.09
75865.29
68851.99
62482.75
56700.67
51450.67
46683.02
42352.34
38416.46
34837.69
31584.41
28627.70
25942.05
23504.16
21292.01
19284.77
17466.91
15808.69
14305.80
12940.02
11699.06
10572.62
9551.27
8628.05
7788.21
7029.18
6340.74
5715.42
5146.79
4629.10
4158.15
3730.74
3344.13
2984.97
2681.65
2398.89
2143.37
1911.65
1700.63

Ax(6%)

Ax(10%)

1,528.88
1,622.49
1,722.01
1,827.72
1,940.04
2,059.35
2,186.12
2,320.86
2,464.13
2,616.59
2,778.97
2,951.93
3,136.22
3,332.55
3,541.68
3,764.43
4,001.76
4,254.24
4,524.75
4,813.15
5,121.50
5,451.37
5,804.26
6,181.66
6,584.46
7,016.96
7,479.21
7,975.06
8,508.19
9,082.69
9,703.31
10,374.48
11,100.38
11,884.95
12,749.10
13,640.87
14,630.93
15,706.57
16,881.09
18,171.37

232.83
255.93
281.31
309.24
339.98
373.83
411.11
452.15
497.33
547.02
601.67
661.76
727.86
800.62
880.78
969.13
1,066.52
1,174.06
1,292.23
1,422.67
1,566.42
1,724.91
1,899.79
2,092.95
2,306.71
2,542.71
2,804.05
3,093.25
3,413.32
3,767.68
4,160.06
4,594.91
5,077.55
5,614.33
6,205.06
6,871.40
7,615.63
8,447.65
9,379.31
10,424.45

6634.64
6080.79
5553.33
5056.30
4608.76
4164.45
3766.02
3390.55
3032.35
2686.06
2347.75
2034.58
1766.21
1496.08
1178.50
889.77
631.32
425.71
263.05
152.63
0.00
0.00

1507.80
1331.68
1171.94
1028.25
903.16
786.41
685.31
594.55
512.40
437.38
368.39
307.64
257.35
210.06
159.46
116.01
79.32
51.54
30.69
17.16
0.00
0.00

19,597.14
21,178.43
22,932.95
24,880.06
27,007.42
29,435.81
32,113.78
35,136.93
38,592.53
42,600.17
47,316.97
52,841.84
59,183.07
67,037.45
77,152.35
90,039.63
106,979.85
130,900.97
167,536.98
230,000.00
#DIV/0!
#DIV/0!

11,599.01
12,921.70
14,416.22
16,112.04
18,044.11
20,252.65
22,787.72
25,713.14
29,114.24
33,103.69
37,827.62
43,472.68
50,216.31
58,581.92
68,924.58
82,128.40
99,446.22
124,246.85
162,684.13
230,000.00
#DIV/0!
#DIV/0!