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n 10

Interés 15%
Inversión $5,000,000
$25,000,000
Periodo Interés Capital Acumulado
1 $ 750,000 $ 5,750,000
2 $ 862,500 $ 6,612,500
$20,000,000
3 $ 991,875 $ 7,604,375
4 $ 1,140,656 $ 8,745,031

Capital Acumulado
5 $ 1,311,755 $ 10,056,786
$15,000,000
6 $ 1,508,518 $ 11,565,304
7 $ 1,734,796 $ 13,300,099
8 $ 1,995,015 $ 15,295,114
$10,000,000
9 $ 2,294,267 $ 17,589,381
10 $ 2,638,407 $ 20,227,789

$5,000,000
Periodo Interés Capital Acumulado
1 $ 750,000 $ 5,750,000
2 $ 750,000 $ 6,500,000
$-
3 $ 750,000 $ 7,250,000 0 2
4 $ 750,000 $ 8,000,000
5 $ 750,000 $ 8,750,000
6 $ 750,000 $ 9,500,000
7 $ 750,000 $ 10,250,000 I
8 $ 750,000 $ 11,000,000
9 $ 750,000 $ 11,750,000
10 $ 750,000 $ 12,500,000
000,000

000,000

000,000

000,000

000,000

$-
0 2 4 6 8 10 12

Periodo

Interés Compuesto Interés Simple


Valor Presente $15,000,000 pesos
Interés 7% anual
número de periodos 30 años

Interés compuesto
Años Capital Inicial Interés Capital + interés VP(1+i)^j
0
1 $15,000,000 $1,050,000 $16,050,000 $16,050,000
2 $16,050,000 $1,123,500 $17,173,500 $17,173,500
3 $17,173,500 $1,202,145 $18,375,645 $18,375,645
4 $18,375,645 $1,286,295 $19,661,940 $19,661,940
5 $19,661,940 $1,376,336 $21,038,276 $21,038,276
6 $21,038,276 $1,472,679 $22,510,955 $22,510,955
7 $22,510,955 $1,575,767 $24,086,722 $24,086,722
8 $24,086,722 $1,686,071 $25,772,793 $25,772,793
9 $25,772,793 $1,804,095 $27,576,888 $27,576,888
10 $27,576,888 $1,930,382 $29,507,270 $29,507,270
11 $29,507,270 $2,065,509 $31,572,779 $31,572,779
12 $31,572,779 $2,210,095 $33,782,874 $33,782,874
13 $33,782,874 $2,364,801 $36,147,675 $36,147,675
14 $36,147,675 $2,530,337 $38,678,012 $38,678,012
15 $38,678,012 $2,707,461 $41,385,473 $41,385,473
16 $41,385,473 $2,896,983 $44,282,456 $44,282,456
17 $44,282,456 $3,099,772 $47,382,228 $47,382,228
18 $47,382,228 $3,316,756 $50,698,984 $50,698,984
19 $50,698,984 $3,548,929 $54,247,913 $54,247,913
20 $54,247,913 $3,797,354 $58,045,267 $58,045,267
21 $58,045,267 $4,063,169 $62,108,436 $62,108,436
22 $62,108,436 $4,347,590 $66,456,026 $66,456,026
23 $66,456,026 $4,651,922 $71,107,948 $71,107,948
24 $71,107,948 $4,977,556 $76,085,504 $76,085,504
25 $76,085,504 $5,325,985 $81,411,490 $81,411,490
26 $81,411,490 $5,698,804 $87,110,294 $87,110,294
27 $87,110,294 $6,097,721 $93,208,014 $93,208,014
28 $93,208,014 $6,524,561 $99,732,575 $99,732,575
29 $99,732,575 $6,981,280 $106,713,856 $106,713,856
30 $106,713,856 $7,469,970 $114,183,826 $114,183,826
TOTAL INTERESES $99,183,826 Capital Acumulado $1,516,095,620
Interés Simple
Interés Capital+Interés VP(1+j*i)

$1,050,000 $16,050,000 $16,050,000


$1,050,000 $17,100,000 $17,100,000
$1,050,000 $18,150,000 $18,150,000
$1,050,000 $19,200,000 $19,200,000
$1,050,000 $20,250,000 $20,250,000
$1,050,000 $21,300,000 $21,300,000
$1,050,000 $22,350,000 $22,350,000
$1,050,000 $23,400,000 $23,400,000
$1,050,000 $24,450,000 $24,450,000
$1,050,000 $25,500,000 $25,500,000
$1,050,000 $26,550,000 $26,550,000
$1,050,000 $27,600,000 $27,600,000
$1,050,000 $28,650,000 $28,650,000
$1,050,000 $29,700,000 $29,700,000
$1,050,000 $30,750,000 $30,750,000
$1,050,000 $31,800,000 $31,800,000
$1,050,000 $32,850,000 $32,850,000
$1,050,000 $33,900,000 $33,900,000
$1,050,000 $34,950,000 $34,950,000
$1,050,000 $36,000,000 $36,000,000
$1,050,000 $37,050,000 $37,050,000
$1,050,000 $38,100,000 $38,100,000
$1,050,000 $39,150,000 $39,150,000
$1,050,000 $40,200,000 $40,200,000
$1,050,000 $41,250,000 $41,250,000
$1,050,000 $42,300,000 $42,300,000
$1,050,000 $43,350,000 $43,350,000
$1,050,000 $44,400,000 $44,400,000
$1,050,000 $45,450,000 $45,450,000
$1,050,000 $46,500,000 $46,500,000
$31,500,000 $938,250,000
Ejemplo
Un joven profesional de 35 años, ahorra $20.000.000 en fondo de pensiones para aportar a su jubil
Con una rentabilidad de 7% anual compuesto ¿En cuanto tiempo multiplicaría por 10 su capital?
Con una rentabilidad de 7% anual simple ¿En cuanto tiempo multiplicaría por 10 su capital?
Con interés compuesto Con interés compuesto
n=? 34.032383811 n=? 128.57142857
i 7% i 7%
VP $20,000,000 VP $20,000,000
VF $200,000,000 VF $200,000,000

Ejemplo
Un estudiante necesita $120.000.000 para costear sus estudios dentro de 10 años. Hoy planea aho
¿Cuanto debe ahorrar hoy?
Suponga que el estudiante planea empezar sus estudios dentro de 9 años y medio. ¿Cuanto debe a
n 10 años n 19
i 12% anual i 5.83%
VP $38,636,788 VP $40,889,333
VF $120,000,000 VF $120,000,000
es para aportar a su jubilación cuando cumpla 65 años.
aría por 10 su capital?
or 10 su capital?

10 años. Hoy planea ahorrar una suma de dinero en un fondo que ofrece una rentabilidad de 12% anual.

y medio. ¿Cuanto debe ahorrar hoy?


semestres
semestral
ntabilidad de 12% anual.
interés 1.5% mensual

Mes Entradas Salidas Saldo acumulado Mediante la ecuación de valor


0 $1,300,000 $0 $1,300,000 $2,064
1 $0 $0 $1,319,500 $2,063,803
2 $0 $0 $1,339,293
3 $500,000 $0 $1,859,382
4 $0 $0 $1,887,273
5 $0 $0 $1,915,582
6 $0 $0 $1,944,315
7 $0 $0 $1,973,480
8 $0 $0 $2,003,082
9 $500,000 $0 $2,533,129
10 $0 $0 $2,571,126
11 $0 $0 $2,609,692
12 $0 $0 $2,648,838
13 $0 $0 $2,688,570
14 $0 $0 $2,728,899
15 $0 $300,000 $2,469,832
16 $0 $0 $2,506,880
17 $0 $600,000 $1,944,483
18 $0 $0 $1,973,650
19 $0 $0 $2,003,255
20 $0 $0 $2,033,304
21 $0 $0 $2,063,803
Ejemplo con Buscar objetivo

ediante la ecuación de valor Mes Entradas Salidas Saldo acumulado


0 $3,082,073 $0 $3,082,073
1 $0 $0 $3,128,304
2 $0 $0 $3,175,228
3 $500,000 $0 $3,722,857
4 $0 $0 $3,778,700
5 $0 $0 $3,835,380
6 $0 $0 $3,892,911
7 $0 $0 $3,951,305
8 $0 $0 $4,010,574
9 $500,000 $0 $4,570,733
10 $0 $0 $4,639,294
11 $0 $0 $4,708,883
12 $0 $0 $4,779,516
13 $0 $0 $4,851,209
14 $0 $0 $4,923,977
15 $0 $300,000 $4,697,837
16 $0 $0 $4,768,304
17 $0 $600,000 $4,239,829
18 $0 $0 $4,303,426
19 $0 $0 $4,367,978
20 $0 $0 $4,433,498
21 $0 $0 $4,500,000

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