Equipo 9

Elsa Areli Talavera Contreras

Héctor Esquivel Navarrete
German Eduardo Zuñiga Mtz.
 Simuladores Financieros
Por favor da click en los ovalos para que te muestre los Simuladores correspondientes
Menú Principal

Interes Simple Tasas Amortizaciones Anualidades

Interes Simple Tasas Amortizaciones Anualidades

Fondo de
Interes Comp. Depreciacion Fondo de
Interes Comp. Depreciacion Amortizacion
Amortizacion

2006 - Derechos Reservados: EATC/HEN/GEZM

 INTERES SIMPLE

Para determinar el Monto: Para determinar el Capital: Para determinar el Interes:

I I I I
m P   i  
I  P i n  Pi ( ) in m
i( ) Pn m
n P( )
n n
Anual Mes Anual Mes
l= $750.00 $750.00 l= $750.00 l=
P= $15,000.00 P= $15,000.00 $15,000.00 P=
i= 5.00% i= 5.00% i=
n= 1 12 n= 1 12 n=
m= 12 m= 12 m=
m/n= 1 m/n= 1 m/n=

Menú Principal
PLE

Para determinar el Interes: Para determinar el periodo:

I I I I
i   n  
Pn m Pi i
P( ) P( )
n m
Anual Mes Anual Mes
$750.00 l= $750.00
$15,000 P= $15,000
5.00% 5.00% i= 5.00%
1 12 n= 1 12
12 m= 12
1 m/n=
 INTERES COMPUESTO

Para determinar el capital: Para determinar el interes: Para determinar el periodo:

C  M
M
l/n log M − log C
(1  i )
n i=( )−1 n= =
C log ( 1 + i )
C= $13,605.44 i= -44.87% n=
i= 5.00% C= $13,605.44 C=
n= 2 n= 2 i=
M= $15,000.00 M= $15,000.00 M=

Menú
Principal

Menú Principal
ESTO

ra determinar el periodo: Para determinar el monto:

g M − log C n
g ( 1 + i )
= M=C(1+i) =
2 M= $15,000.00
$13,605.44 C= $13,605.44
5.00% i= 5.00%
$15,000.00 n= 2
 TASA EFECTIVA Y TASA REAL

n TE - Ti
TE= ( 1+TN) -1 X 100 TR= Menú
n 1 + Ti Principal

TE= 8.83% TR= 7.64%

TN= 8.58% TE= 8.83%

n= 3 Ti= 1.1%

TE 0.09
TR 0.076436472

Comparativo

0.09
0.09

0.09
% 0.076436472458951 Column C
0.08

0.08

0.07
TE TR
Tasas
 ANUALIDADES

Cálculo Para Anualidad con 1 Variable de Tasa: Menú Principal

S $ 12,336
R $ 1,000.00 Tasa
i 6.00% Anual
n 12

Cálculo para Anualidad con "n" Variables de Tasa: n

Tomando la anterior como el primer cálculo ( 1+i ) −1
S= R
S0 $ 14,043 i
S1 $ 52,377
R1 $ 1,500.00 Tasa
i1 6.50% Anual
n1 24

¿Requiere otro cálculo?: No 1

S1 Poner Monto
S2 #VALUE!
R2 $ - Tasa
i2 10% Anual
n2 12

¿Requiere otro cálculo?: No 1

S2 Poner Monto
S3 #VALUE!
R3 $ - Tasa
i3 12% Anual
n3 60

¿Requiere otro cálculo?: No 1

S3 Poner Monto
S4 #VALUE!
R4 $ - Tasa
i4 12% Anual
n4 24

¿Requiere otro cálculo?: No 1

S4 Poner Monto
S5 #VALUE!
R5 $ - Tasa
i5 12% Anual
 n5 24

¿Requiere otro cálculo?: No 1

S5 Poner Monto
S4 #VALUE!
R6 $ - Tasa
i6 12% Anual
n6 24

¿Requiere otro cálculo?: No 1

S6 Poner Monto
S7 #VALUE!
R7 $ - Tasa
i7 12% Anual
n7 24

¿Requiere otro cálculo?: No 1

S7 Poner Monto
S8 #VALUE!
R8 $ - Tasa
i8 12% Anual
n8 24

¿Requiere otro cálculo?: No 1

S8 Poner Monto
S9 #VALUE!
R9 $ - Tasa
i9 12% Anual
n9 24
 n
( 1+i ) −1
R =
i
 AMORTIZACION

S $1,000,000.00
−n
R $52,828.18 Tasa 1−( 1+i )
i 60.00% Anual X =R =
n 60 i
TABLA DE AMORTIZACION
TOTALES $3,169,691.07 $1,000,000.00 $2,169,691.07 $42,393,821.43
n: PAGO MENSUAL Pago a capital Pago de intereses Capital restante
1 $52,828.18 $2,828.18 $50,000.00 $997,171.82
2 $52,828.18 $2,969.59 $49,858.59 $994,202.22
3 $52,828.18 $3,118.07 $49,710.11 $991,084.15
4 $52,828.18 $3,273.98 $49,554.21 $987,810.17
5 $52,828.18 $3,437.68 $49,390.51 $984,372.50
6 $52,828.18 $3,609.56 $49,218.62 $980,762.94
7 $52,828.18 $3,790.04 $49,038.15 $976,972.90
8 $52,828.18 $3,979.54 $48,848.64 $972,993.36
9 $52,828.18 $4,178.52 $48,649.67 $968,814.84
10 $52,828.18 $4,387.44 $48,440.74 $964,427.40
11 $52,828.18 $4,606.81 $48,221.37 $959,820.58
12 $52,828.18 $4,837.16 $47,991.03 $954,983.43
13 $52,828.18 $5,079.01 $47,749.17 $949,904.42
14 $52,828.18 $5,332.96 $47,495.22 $944,571.45
15 $52,828.18 $5,599.61 $47,228.57 $938,971.84
16 $52,828.18 $5,879.59 $46,948.59 $933,092.25
17 $52,828.18 $6,173.57 $46,654.61 $926,918.68
18 $52,828.18 $6,482.25 $46,345.93 $920,436.42
19 $52,828.18 $6,806.36 $46,021.82 $913,630.06
20 $52,828.18 $7,146.68 $45,681.50 $906,483.38
21 $52,828.18 $7,504.02 $45,324.17 $898,979.36
22 $52,828.18 $7,879.22 $44,948.97 $891,100.15
23 $52,828.18 $8,273.18 $44,555.01 $882,826.97
24 $52,828.18 $8,686.84 $44,141.35 $874,140.14
25 $52,828.18 $9,121.18 $43,707.01 $865,018.96
26 $52,828.18 $9,577.24 $43,250.95 $855,441.72
27 $52,828.18 $10,056.10 $42,772.09 $845,385.62
28 $52,828.18 $10,558.90 $42,269.28 $834,826.72
29 $52,828.18 $11,086.85 $41,741.34 $823,739.87
30 $52,828.18 $11,641.19 $41,186.99 $812,098.68
31 $52,828.18 $12,223.25 $40,604.93 $799,875.43
32 $52,828.18 $12,834.41 $39,993.77 $787,041.02
33 $52,828.18 $13,476.13 $39,352.05 $773,564.88
34 $52,828.18 $14,149.94 $38,678.24 $759,414.94
35 $52,828.18 $14,857.44 $37,970.75 $744,557.50
36 $52,828.18 $15,600.31 $37,227.88 $728,957.19
37 $52,828.18 $16,380.32 $36,447.86 $712,576.87
38 $52,828.18 $17,199.34 $35,628.84 $695,377.53
39 $52,828.18 $18,059.31 $34,768.88 $677,318.22
40 $52,828.18 $18,962.27 $33,865.91 $658,355.95
41 $52,828.18 $19,910.39 $32,917.80 $638,445.56
42 $52,828.18 $20,905.91 $31,922.28 $617,539.65
43 $52,828.18 $21,951.20 $30,876.98 $595,588.45
44 $52,828.18 $23,048.76 $29,779.42 $572,539.69
45 $52,828.18 $24,201.20 $28,626.98 $548,338.49
46 $52,828.18 $25,411.26 $27,416.92 $522,927.23
47 $52,828.18 $26,681.82 $26,146.36 $496,245.41
48 $52,828.18 $28,015.91 $24,812.27 $468,229.49
49 $52,828.18 $29,416.71 $23,411.47 $438,812.78
50 $52,828.18 $30,887.55 $21,940.64 $407,925.24
51 $52,828.18 $32,431.92 $20,396.26 $375,493.32
52 $52,828.18 $34,053.52 $18,774.67 $341,439.80
53 $52,828.18 $35,756.19 $17,071.99 $305,683.60
54 $52,828.18 $37,544.00 $15,284.18 $268,139.60
55 $52,828.18 $39,421.20 $13,406.98 $228,718.39
56 $52,828.18 $41,392.26 $11,435.92 $187,326.13
57 $52,828.18 $43,461.88 $9,366.31 $143,864.25
58 $52,828.18 $45,634.97 $7,193.21 $98,229.28
59 $52,828.18 $47,916.72 $4,911.46 $50,312.56
60 $52,828.18 $50,312.56 $2,515.63 $0.00
 Menú Principal

−n
1−( 1+i )
R =
i

Pago para liquidar

$1,050,000.00
$1,047,030.41
$1,043,912.33
$1,040,638.36
$1,037,200.68
$1,033,591.12
$1,029,801.08
$1,025,821.54
$1,021,643.03
$1,017,255.58
$1,012,648.77
$1,007,811.61
$1,002,732.60
$997,399.64
$991,800.02
$985,920.43
$979,746.86
$973,264.61
$966,458.25
$959,311.56
$951,807.55
$943,928.33
$935,655.16
$926,968.32
$917,847.14
$908,269.91
$898,213.81
$887,654.90
$876,568.06
$864,926.86
$852,703.61
$839,869.20
$826,393.07
$812,243.13
$797,385.69
$781,785.38
$765,405.05
$748,205.71
$730,146.41
$711,184.13
$691,273.74
$670,367.84
$648,416.64
$625,367.87
$601,166.67
$575,755.41
$549,073.59
$521,057.68
$491,640.97
$460,753.42
$428,321.50
$394,267.98
$358,511.79
$320,967.78
$281,546.58
$240,154.31
$196,692.43
$151,057.46
$103,140.74
$52,828.18
 DEPRECIACIÓN

Para determinar la depreciación:

D= C - T
N

D= $1,000 Depreciacion
Años
C= $25,000.00 Anual
T= $20,000.00 1 $0.00
N= 5 2 $1,000.00
3 $1,000.00
4 $1,000.00
5 $1,000.00

Men
ú
Princ
ipal

Menú
Princip
al
ACIÓN

Depreciacion Valor en
Acumulada Libros
$0.00 $25,000.00
$1,000.00 $24,000.00
$2,000.00 $22,000.00
$3,000.00 $19,000.00
$4,000.00 $15,000.00
 FONDO DE AMORTIZACION

S $30,000.00
n
R $1,202.75 Tasa ( 1+ i )
i 4.00% Anual X =R
n 24 i
FONDO DE AMORTIZACION
TOTALES $28,865.94 $1,134.06 $30,000.00
Período Incremento Interes Saldo
1 $1,202.75 $0.00 $1,202.75
2 $1,202.75 $4.01 $2,409.50
3 $1,202.75 $8.03 $3,620.28
4 $1,202.75 $12.07 $4,835.10
5 $1,202.75 $16.12 $6,053.96
6 $1,202.75 $20.18 $7,276.89
7 $1,202.75 $24.26 $8,503.90
8 $1,202.75 $28.35 $9,734.99
9 $1,202.75 $32.45 $10,970.19
10 $1,202.75 $36.57 $12,209.50
11 $1,202.75 $40.70 $13,452.95
12 $1,202.75 $44.84 $14,700.54
13 $1,202.75 $49.00 $15,952.29
14 $1,202.75 $53.17 $17,208.21
15 $1,202.75 $57.36 $18,468.32
16 $1,202.75 $61.56 $19,732.63
17 $1,202.75 $65.78 $21,001.15
18 $1,202.75 $70.00 $22,273.90
19 $1,202.75 $74.25 $23,550.90
20 $1,202.75 $78.50 $24,832.15
21 $1,202.75 $82.77 $26,117.67
22 $1,202.75 $87.06 $27,407.47
23 $1,202.75 $91.36 $28,701.58
24 $1,202.75 $95.67 $30,000.00
 Menú Principal

n
( 1+ i ) −1
R
i
$30,000.00
Saldo
$1,202.75
$2,409.50
$3,620.28
$4,835.10
$6,053.96
$7,276.89
$8,503.90
$9,734.99
$10,970.19
$12,209.50
$13,452.95
$14,700.54
$15,952.29
$17,208.21
$18,468.32
$19,732.63
$21,001.15
$22,273.90
$23,550.90
$24,832.15
$26,117.67
$27,407.47
$28,701.58
$30,000.00