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Calcular el valor final de una anualidad ordinario. En cuanto se convierte una anualidad ordinaria
$5,000
de anuales
durante
6 aos con un interes del 3% ?
Formula:
Datos:
R
$5,000
i
3%
n
6
S
?
S=
$5,000 *
S=
S=
S=
S=
S=
$5,000 *
$5,000 *
$5,000 *
$5,000 *
$32,342.05
[[
[
[
[
[
1 .+
3% ^
6 .-
[
1.03 ^
6 .1 ]/
[
1.194 .1 ]/ 0.03 ]
[
0.194 ]/ 0.03 ]
6.47 ]
]/
0.03
0.03 ]
Formula:
Datos:
R
$150,000
i
7%
n
5
S
?
S=
$150,000 *
S=
$150,000 *
S=
$150,000 *
S=
$150,000 *
S=
$150,000 *
S= $862,610.85
[[
[
[
[
[
1 .+ 7% ^
5 .-
[
1.07 ^
5 .1 ]/
[
1.403 .1 ]/ 0.07 ]
[
0.403 ]/ 0.07 ]
5.75 ]
]/
0.07
0.07 ]
$250,000
fomula:
Datos:
S
R
i
n
$250,000
$3,000
2%
?
4.54 ao
n=
n=
n=
n=
n=
n=
ao
meses
dias
[
[
[
[
6.47 meses
log
log
[
log
[
log
[
0.35218252 /
54.4664734
12 4.53887278
12 0.53887278
30 0.46647339
$250,000 *
0.015 ]/
3750 ]/ $3,000 ]+
1.25 ]+
1 ]/ log
2.25 ]/ log
1.02
0.006466042
$3,000 ]+
1
1.015
]/ log
]/ log
1 .+ 0.02
1.02
3.538872783
6.466473391
13.99420172
13.99 dias
MENU PRINCIPAL UNIDAD II
FORMULARIO (VENCIDAS)
Se cree que el equipo de bombeo de un pozo de riego tendra una vida util de
10 aos alcabo de los cuales debera cambiarse por otrocon un
costo de $7,000,000
mas
$2,000,000 por gastos de instalacion, por tal motivo los usuarios han decidio efectuar un deposito cada
6 meses
con una tasa de interes del 30% ( 0.15 ) anual
y capitalizacion semestral. ( 2 ) Determinar el importe de cada deposito que permita el remplazo y la instalacion del
equipo.
formula:
Datos:
S
$9,000,000
i
0.15
n
10
r
2
R
?
R=
R=
R=
R=
R=
$9,000,000 *
0.15 /
$1,350,000 /
1.15 ^
$1,350,000 / 16.36653739 .$1,350,000 / 15.36653739
$87,853.23
1 .+ 0.15 ^
20 .- 1
1
10 *
2 .- 1
$4,000,000
fomula:
Datos:
S
R
i
n
$4,000,000
$110,000
4%
?
1.91 ao
n=
n=
n=
n=
n=
n=
ao
meses
dias
[
[
[
[
10.89 meses
log
log
[
log
[
log
[
0.38997108 /
22.8945759
12 1.90788132
12 0.90788132
30 0.89457588
$4,000,000 *
0.04 ]/
$110,000 ]+
160000 ]/ $110,000 ]+
1.454545455 ]+
1 ]/ log
2.454545455 ]/ log
1.04
0.017033339
1
1.04
]/ log
]/ log
1 .+ 0.04
1.04
0.907881323
10.89457588
26.83727629
26.84 dias
MENU PRINCIPAL UNIDAD II
FORMULARIO (VENCIDAS)
es de $9,000
formula:
Datos:
C
$170,225
R
$9,000
i
2%
N ?
24 pagos
N=
log[
N=
N=
N=
N=
N=
N=
log[
1/
log[
1/
log[
1/
log[
1.61 ]/
0.206404 /
23.99998
1/ [
[
1 .- [(
$170,225 *
0.02 )/
1 .- [(
$3,405 )/
$9,000 ]/
log
1 .[( 0.378278289 ]/ log
1.02
0.621721711 ]/
log
1.02
log
1.02
0.008600172
log
$9,000 ]/
1 .+ 0.02
1.02
formula:
R=
R=
R=
R=
R=
Datos:
C
n
i
r
R
[[
[[
[[
[[
$5,000 *
150 ][
150 ][
213.864133 ]/(
502.310427
0.03 ][
1 .+
1.03 ^
1.4258 ]/(
0.4258 )
12 ]/(
1.42576 .1
0.03 ^
1*
1.03 )^
12
]/(
12 .-
1 .+
0.03
)^ 1 *
12 .- 1
$5,000
1
3%
12
?
6% trimestral
4
formula
Datos:
R
$20,000
i
6%
n
4
C
?
C=
$20,000 [
1 .-[ 1 /
1 .+
C=
C=
C=
C=
C=
C=
$20,000 [[
$20,000 [[
$20,000 [[
$20,000 [
$20,000 [
$69,302.11
1 .-[ 1 /
1 .-[ 1 /
1 .-[
1.06 ^
1.26247696 ]]/
0.792093663 ]]/
0.207906337 ]/
3.465105613 ]
0.06 ^
4 ]]/
0.06 ]
0.06 ]
0.06 ]
4 ]]/ 0.06
0.06 ]
$3,000 mensuales
por un contrato de
2 aos alcabo de los cuales se podran renobar bajo nuevas condiciones
1.5 % y con capitalizacion mensual y el dueo exige el pago total el dia de hoy, cuanto se le tiene que dar bajo estas condicion el dia de hoy?
formula:
+1
Datos
R
i
n
C
r
$3,000
0.015
24
C=
C=
C=
C=
C=
C=
C=
C=
$3,000 [
$3,000 [
$3,000 [
$3,000 [
$3,000 [
$3,000 [
$3,000.00 (
$60,992.58
1 .-[
1 /(
1 .-[
1 /(
1 .-[
1 /(
1 .- 0.71003708 ]/
0.28996292 ]/
0.015 ]+
19.3308614 ]+
1
20.3308614 )
1 .+
1.015 ^
1.408377155 ]/
0.015 ]+
1
0.02 ) ^
24 .23 ]/ 0.02 ]+
0.02 ]+
1
1
1 ]/
1
0.015 ]+ 1
?
12
El seor
Altamirano deposita
$125,000 el dia de hoy, para que su hijo
a principio de cada mes
$3,000 si la tasa de interes es del
2% y la capitalizacion es mensual. Durante cuanto tiempo recibira esta cantidad su
hijo
?
formula:
+1
Datos
C
R
i
n
$125,000
$3,000
2%
aos
meses
durante 7 aos y 1 mes
n=
[log [
n=
n=
n=
n=
n=
n=
n=
n=
[log [
1/ [
1 .[log [
1/ [
1 .[log [
1/ [
1 .[log [
1/ [
0.19 ]/ log
[log [
5.357142857 ]/ log
1.02 ]+
0.72893323 /
0.00860017 ]+
84.7579848 ]+
1
85.7579848
7.146498736
0.146498736
1/
12 1.757984828
1 .-
$125,000 /
[
[
[
41.66667 .40.66667 .- *
0.813333 ]/ log
1.02 ]+
1
$3,000 .1*
1*
0.02
]/ log
0.02 ]/ log
0.02 ]/ log
1.02 ]+
1.02 ]+
1
1 .+ 0.02
1.02 ]+ 1
1
1
MENU PRINCIPAL UNIDAD II'!A1
FORMULARIO (ANTICIPADAS)'!A1
]+
18 meses
formula:
Datos
C
n
i
$12,000
18
3%
/[
R=
$12,000
R=
R=
R=
R=
R=
R=
R=
$12,000 /[
$12,000 /[
$12,000 /[
$12,000 /[
$12,000 /[
$12,000 /[
$847.09
1 .-(
1 .-(
1 .-(
1 .-(
0.394983554 )/
13.16611847 ]+
14.16611847 )
1/
1/ (
1/ (
0.60501645 )/
0.03 ]+
1
1 .+
0.03 ^
18 .-
1.03 ^
17 )/
1.652847632 )/
0.03 ]+
0.03 ]+
1
1
)/
0.03
]+
0.03 ]+ 1
1
Drante cuantos meses se deben efectuar depositos a principios de cada mes para reunir
con capitalizacion mensual. Su deposito mensual es de
$5,000
3.5 %
formula:
-1
Datos
S
R
i
n
$239,926
$5,000
0.035
?
n=
n=
n=
n=
n=
n=
n=
log [
(
$239,926 /
log [ (
47.985108 .+
log [ (
48.985108 )*
log [ (
50.6995868 /
1.70500442 /
114.120783 .113.120783
aos
meses
dias
9.42673193
0.42673193
0.1207832
$5,000 .+
1 )*
1 )* 1.04
]/log
1.035
]/log
0.0149403 ]1
0.0149403
1
12 5.1207832
30
3.62
0.035 .+
1 ]/log 1 .+
1.04 ]1
1.035 ]1
0.035
]-
4 aos $280,000
12 )?
formula:
Datos
S
n
i
R
$280,000
48
0.025
R=
R=
R=
R=
R=
R=
R=
$280,000 /[(
$280,000 /[(
$280,000 /[(
$280,000 /[(
$280,000 /[(
$280,000 /(
$3,006.52
1 .+
1.025 )^ 49 ]3.3532768 ]- 1 ]/
2.3532768 ]/
94.13107199 .1
93.13107199 )
0.025 )^
48 .+
1 ]/ 0.03 ]
0.025 ] .0.025 ]
.1
1 ]- 1
.- 1
1
]/
0.03
.- 1
1.3 %
formula:
S=
Datos
R
n
i
S
$7,500
24
0.013
?
S=
S=
S=
S=
S=
S=
$7,500
[[
$7,500 [[
$7,500 [[
$7,500 [[
$7,500 [[
$7,500 (
$212,385.58
1 .+
1.013 ]
1.381135009 ] 0.381135009 ]/
29.31807764 .28.31807764 )
0.013
^[
] ^[
24 .+ 1 ] -
25 ] 1 ]/
1 ]/ 0.013 ]]- 1
0.013 ]]- 1
1
1 ]/ 0.01
0.01 ]]-
]]-
FORMULARIO (ANTICIPADAS)
MENU PRINCIPAL UNIDAD II
$50,000
formula:
[[
C=
C=
C=
C=
C=
C=
C=
C=
Datos
R
n
i
k
1 .- 1 /(
1 .+
1 .- 1 /(
1.18 ^
1 .- 1 /(
1.93877776 ]/
1 .0.515788875 ]/
0.484211125 ]/
2.690061805
2.699554153
$50,000
$50,000 [[
$50,000 [[
$50,000 [[
$50,000 [[
$50,000 [[
134503.0902 /
49,824.19
0.18 ^
4 ]/
0.18 ]/
0.18 ]/
0.18 ]/
]/
4 ]/
0.18 ]/
2.69955415
2.69955415
2.69955415
2.69955415
$50,000
4
18%
6
0.18
1.18 ^
]/
1 .+
0.18 ^
un
recibira
inversionista deposita
$80,000 cada
$120,000
ao
cobrando una tasa de interes del 6% con capitalizacion anual para que apartir del 5 aos
durante cuantos aos recibira esta cantidad?
formula:
Datos
C
R
i
k
n
$120,000
$80,000
6%
5
?
n= log[
n= log[
n= log[
n= log[
n= log[
n= log[
n= log[
n=
n=
aos
meses
dias
1/
1/
1/
1/
1/
1/
1 .1 .1 .1 .1 .0.879559698 ]
1.136932493 ]
0.055734679
2.202441131
2.202441131
0.202441131
0.429293567
[
[
[
[
[
/
/
/
12
30
$120,000 *
0.06 (
1 .+
$7,200 (
1.06 )^
5/
$7,200 * 1.33822558 /
$9,635.22 /
$80,000 /
0.1204403 ] /
0.025305865
0.02530587
0.02530587
0.02530587
2.42929357
12.878807
0.06 )^ 5 /
$80,000 ] log (
$80,000 ] log (
0.02530587
$80,000 ] log ( 1 .+ 6% )
1.06 )
1.06 )
2 aos
formula:
Datos
C
R
i
n
n
K=
log
$40,000 /
$35,800 (
1 .+ 0.09 ^
K=
log [
1.117318436 *
1.09 ^
2 .1
K=
log [
1.117318436 *
1.1881 .1/
(
K=
log [
1.117318436 *
0.1881 /
( 0.1069 )
K=
log [
0.210167598
/
0.1069
K=
log [
1.965487359 / log (
1.1 )
K=
0.293470255 /
0.0374265
K=
7.841242731
aos
7.84124273
meses
0.84124273
12 10.09
dias
0.09491277
30 2.847
7 aos, 10 meses y 3 dias
$35,800
$40,000
9%
2
?
2 ./ (
1/
0.09 ( 1 .+ 9% ^
2 / log ( 1 .+ 0.1 )
1.09 ^
2 / log (
1.1 )
0.09 * 1.1881 ) / log (
1.1 )
/ log (
1.09 )
/ log (
1.09 )
6 aos
y durante 20 aos con un negocio que actualmente produce ganancias
20% con capitalizacion anual
formula:
Datos
C
i
n
k
R
R= [
R= [
R= [
R=
R=
$1,956,975
20%
20
6
?
$1,956,975 *
$391,395 ][
$391,395 ][
$44,805,119.91 /
$1,200,000.00
0.2 ][
1.2 ]
114.47546 ]
37.33759992
1 .+
0.2 ]
^
20 .+ 6
^ 26 /(
1.2 ) ^ 20 .- 1
/(
38.33759992 .1)
/(
1 .+
0.2 ) ^ 20 .-