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Esta hoja est diseada para hacer el clculo de cuotas mensuales en prstamos.

Los resultados se muestran sin unidad monetaria debido a


que funcionan para Dlares y Quetzales por igual.
Ejemplo:

En la celda roja se introdujo 10, correspondiente al nmero de aos


En la celda verde se introdujo 86,129.35, correspondiente al monto a prestar
Y en la celda amarilla se introdujo 7, correspondiente a la tasa de interes actual en Dlares

Ingrese los valores en las casillas correspondientes:

Nmero de Aos
Monto a prestar
Tasa de Interes

10 Aos
86,126.35

120 Meses

Quetzales o Dlares
Plazo:
Aos:
No. cuotas

7.00 %

Mes
1
2
3
4

10
120

Opcin No. 1
Cuotas Niveladas

Opcin No. 2
Amortizaciones a Capital

Opcin No.1
Cuota Nivelada

1,000.00

Opcin No.2
Amort. Capital
Intereses
Total 1er Cuota

Monto Prestado
86,126.35
85,628.75
85,128.25
84,624.84

Capital
497.60
500.50
503.42
506.36

Intereses
502.40
499.50
496.58
493.64

Cuota Monto Prestado


1,000.00
86,126.35
1,000.00
85,408.63
1,000.00
84,690.91
1,000.00
83,973.19

717.72
502.40
1,220.12
Capital
717.72
717.72
717.72
717.72

Intereses
502.40
498.22
494.03
489.84

Cuota
1,220.12
1,215.94
1,211.75
1,207.56

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

84,118.48
83,609.17
83,096.89
82,581.62
82,063.35
81,542.05
81,017.72
80,490.32
79,959.85
79,426.28
78,889.60
78,349.79
77,806.83
77,260.70
76,711.39
76,158.87
75,603.13
75,044.15
74,481.91
73,916.39
73,347.57
72,775.43
72,199.95
71,621.12
71,038.91
70,453.30
69,864.28
69,271.82
68,675.90
68,076.51
67,473.63
66,867.22
66,257.28
65,643.78
65,026.70
64,406.03
63,781.73

509.31
512.28
515.27
518.27
521.30
524.34
527.40
530.47
533.57
536.68
539.81
542.96
546.13
549.31
552.52
555.74
558.98
562.24
565.52
568.82
572.14
575.48
578.83
582.21
585.61
589.02
592.46
595.91
599.39
602.89
606.40
609.94
613.50
617.08
620.68
624.30
627.94

490.69
487.72
484.73
481.73
478.70
475.66
472.60
469.53
466.43
463.32
460.19
457.04
453.87
450.69
447.48
444.26
441.02
437.76
434.48
431.18
427.86
424.52
421.17
417.79
414.39
410.98
407.54
404.09
400.61
397.11
393.60
390.06
386.50
382.92
379.32
375.70
372.06

1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00

83,255.47
82,537.75
81,820.03
81,102.31
80,384.59
79,666.87
78,949.15
78,231.43
77,513.71
76,796.00
76,078.28
75,360.56
74,642.84
73,925.12
73,207.40
72,489.68
71,771.96
71,054.24
70,336.52
69,618.80
68,901.08
68,183.36
67,465.64
66,747.92
66,030.20
65,312.48
64,594.76
63,877.04
63,159.32
62,441.60
61,723.88
61,006.16
60,288.44
59,570.73
58,853.01
58,135.29
57,417.57

717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72

485.66
481.47
477.28
473.10
468.91
464.72
460.54
456.35
452.16
447.98
443.79
439.60
435.42
431.23
427.04
422.86
418.67
414.48
410.30
406.11
401.92
397.74
393.55
389.36
385.18
380.99
376.80
372.62
368.43
364.24
360.06
355.87
351.68
347.50
343.31
339.12
334.94

1,203.38
1,199.19
1,195.00
1,190.82
1,186.63
1,182.44
1,178.26
1,174.07
1,169.88
1,165.70
1,161.51
1,157.32
1,153.14
1,148.95
1,144.76
1,140.58
1,136.39
1,132.20
1,128.02
1,123.83
1,119.64
1,115.46
1,111.27
1,107.08
1,102.90
1,098.71
1,094.52
1,090.34
1,086.15
1,081.96
1,077.78
1,073.59
1,069.40
1,065.22
1,061.03
1,056.84
1,052.66

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
76
77
78

63,153.79
62,522.19
61,886.90
61,247.91
60,605.19
59,958.72
59,308.48
58,654.44
57,996.59
57,334.91
56,669.36
55,999.93
55,326.60
54,649.34
53,968.12
53,282.94
52,593.75
51,900.55
51,203.31
50,501.99
49,796.59
49,087.07
48,373.41
47,655.59
46,933.58
46,207.36
45,476.90
44,742.18
44,003.18
43,259.86
42,512.21
41,760.20
41,003.80
40,242.99
39,477.74
38,708.03
37,933.82

631.60
635.29
638.99
642.72
646.47
650.24
654.03
657.85
661.69
665.55
669.43
673.33
677.26
681.21
685.19
689.18
693.20
697.25
701.31
705.41
709.52
713.66
717.82
722.01
726.22
730.46
734.72
739.00
743.31
747.65
752.01
756.40
760.81
765.25
769.71
774.20
778.72

368.40
364.71
361.01
357.28
353.53
349.76
345.97
342.15
338.31
334.45
330.57
326.67
322.74
318.79
314.81
310.82
306.80
302.75
298.69
294.59
290.48
286.34
282.18
277.99
273.78
269.54
265.28
261.00
256.69
252.35
247.99
243.60
239.19
234.75
230.29
225.80
221.28

1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00

56,699.85
55,982.13
55,264.41
54,546.69
53,828.97
53,111.25
52,393.53
51,675.81
50,958.09
50,240.37
49,522.65
48,804.93
48,087.21
47,369.49
46,651.77
45,934.05
45,216.33
44,498.61
43,780.89
43,063.17
42,345.46
41,627.74
40,910.02
40,192.30
39,474.58
38,756.86
38,039.14
37,321.42
36,603.70
35,885.98
35,168.26
34,450.54
33,732.82
33,015.10
32,297.38
31,579.66
30,861.94

717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72

330.75
326.56
322.38
318.19
314.00
309.82
305.63
301.44
297.26
293.07
288.88
284.70
280.51
276.32
272.14
267.95
263.76
259.58
255.39
251.20
247.02
242.83
238.64
234.46
230.27
226.08
221.89
217.71
213.52
209.33
205.15
200.96
196.77
192.59
188.40
184.21
180.03

1,048.47
1,044.28
1,040.10
1,035.91
1,031.72
1,027.54
1,023.35
1,019.16
1,014.98
1,010.79
1,006.60
1,002.42
998.23
994.04
989.85
985.67
981.48
977.29
973.11
968.92
964.73
960.55
956.36
952.17
947.99
943.80
939.61
935.43
931.24
927.05
922.87
918.68
914.49
910.31
906.12
901.93
897.75

79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115

37,155.10
36,371.84
35,584.01
34,791.59
33,994.54
33,192.84
32,386.46
31,575.38
30,759.57
29,939.00
29,113.65
28,283.48
27,448.47
26,608.58
25,763.80
24,914.09
24,059.42
23,199.77
22,335.10
21,465.39
20,590.60
19,710.71
18,825.69
17,935.51
17,040.13
16,139.53
15,233.68
14,322.54
13,406.09
12,484.29
11,557.12
10,624.54
9,686.51
8,743.02
7,794.02
6,839.48
5,879.38

783.26
787.83
792.43
797.05
801.70
806.38
811.08
815.81
820.57
825.36
830.17
835.01
839.88
844.78
849.71
854.67
859.65
864.67
869.71
874.79
879.89
885.02
890.18
895.38
900.60
905.85
911.14
916.45
921.80
927.17
932.58
938.02
943.50
949.00
954.53
960.10
965.70

216.74
212.17
207.57
202.95
198.30
193.62
188.92
184.19
179.43
174.64
169.83
164.99
160.12
155.22
150.29
145.33
140.35
135.33
130.29
125.21
120.11
114.98
109.82
104.62
99.40
94.15
88.86
83.55
78.20
72.83
67.42
61.98
56.50
51.00
45.47
39.90
34.30

1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00

30,144.22
29,426.50
28,708.78
27,991.06
27,273.34
26,555.62
25,837.90
25,120.19
24,402.47
23,684.75
22,967.03
22,249.31
21,531.59
20,813.87
20,096.15
19,378.43
18,660.71
17,942.99
17,225.27
16,507.55
15,789.83
15,072.11
14,354.39
13,636.67
12,918.95
12,201.23
11,483.51
10,765.79
10,048.07
9,330.35
8,612.63
7,894.92
7,177.20
6,459.48
5,741.76
5,024.04
4,306.32

717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72
717.72

175.84
171.65
167.47
163.28
159.09
154.91
150.72
146.53
142.35
138.16
133.97
129.79
125.60
121.41
117.23
113.04
108.85
104.67
100.48
96.29
92.11
87.92
83.73
79.55
75.36
71.17
66.99
62.80
58.61
54.43
50.24
46.05
41.87
37.68
33.49
29.31
25.12

893.56
889.37
885.19
881.00
876.81
872.63
868.44
864.25
860.07
855.88
851.69
847.51
843.32
839.13
834.95
830.76
826.57
822.39
818.20
814.01
809.83
805.64
801.45
797.27
793.08
788.89
784.71
780.52
776.33
772.15
767.96
763.77
759.59
755.40
751.21
747.03
742.84

116
117
118
119
120

4,913.68
3,942.34
2,965.34
1,982.64
994.20
TOTALES

971.34
977.00
982.70
988.43
994.20
86,126.35

28.66
23.00
17.30
11.57
5.80

1,000.00
1,000.00
1,000.00
1,000.00
1,000.00

3,588.60
2,870.88
2,153.16
1,435.44
717.72

33,873.64 119,999.99 TOTALES

717.72
717.72
717.72
717.72
717.72
86,126.35

20.93
16.75
12.56
8.37
4.19

738.65
734.47
730.28
726.09
721.91

30,395.42 116,521.77