Equipo 9

Elsa Areli Talavera Contreras

Hctor Esquivel Navarrete
German Eduardo Zuiga Mtz.
 Simuladores Financieros
Por favor da click en los ovalos para que te muestre los Simuladores correspondientes
Men 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=

Men 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=

Men
Principal

Men Principal
ESTO

ra determinar el periodo: Para determinar el monto:

g M log C
g ( 1+ i )
= M = C ( 1 + i )n =
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= Men
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
% 0.08 Column C
0.08

0.08

0.07
TE TR
Tasas
 ANUALIDADES

Clculo Para Anualidad con 1 Variable de Tasa: Men Principal

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

Clculo para Anualidad con "n" Variables de Tasa:

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

Requiere otro clculo?: No 1

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

Requiere otro clculo?: No 1

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

Requiere otro clculo?: No 1

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

Requiere otro clculo?: No 1

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

Requiere otro clculo?: No 1

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

Requiere otro clculo?: No 1

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

Requiere otro clculo?: No 1

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

Requiere otro clculo?: No 1

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

S $1,000,000.00
R $52,828.18 Tasa 1( 1+i )n
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
 Men Principal

1( 1+i )n
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
 DEPRECIACIN

Para determinar la depreciacin:

D= C - T
N

D= $1,000 Depreciacion
Aos
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

Princ
ipal

Men
Princip
al
ACIN

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
( 1+ i )n
$30,000.00
R $1,202.75 Tasa
i 4.00% Anual X =R
n 24 i
FONDO DE AMORTIZACION
TOTALES $28,865.94 $1,134.06 $30,000.00
Perodo 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
 Men Principal

( 1+ i )n 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