Tasa 1.

00%
VA 10,000

N° Interes Valor
0 10,000
1 100 10,100
2 101 10,201
3 102 10,303
4 103 10,406
5 104 10,510
6 105 10,615
7 106 10,721
8 107 10,829
9 108 10,937
10 109 11,046
11 110 11,157
12 112 11,268
EJERCICIOS DE INTERES COMPUESTO Y TASA DE INTERES EQUIVALENTE

Ejercicio 1

Datos
Inversión: 10,000
Tasa anual: 40%

Caso Años Respuesta

a 1 14,000.00
b 2 19,600.00 19,600.00
c 5 53,782.40 S/10,000.00
d 10 289,254.65 2
e 14 1,111,200.68

Ejercicio 2

Datos
Monto a obtener objetivo: 51,000
Rentabilidad: 2.50% mensual

Cuanto invertirá si el proyecto dura:

Caso Periodos
Respuesta
Propuestos En meses
a 2 años 24 28,196.64
b 9 trimestres 27 26,183.39
c 5 semestres 30 24,313.88
d 15 meses 15 35,213.74
e 148 días 4.933 45,150.83

Ejercicio 3

Datos
Tasa equivalente: 28% anual

Caso Tasa Respuesta

a mensual 2.08%
b trimestral 6.37%
c semestral 13.14%
d quincenal 1.03%
e bimensual 4.20%

Ejercicio 4

Datos
Valor actual: 15,000
Valor futuro: 17,500
Tasa de interés: 16.67%

Caso Plazo del VF Respuesta

a 7 meses 2.23% 2.23%
b 14 meses 1.11%
c 6 trimestres 0.86%
d 3 años 0.43%
e 16 quincenas 1.95%
Caso 1 Caso 2

VA 45,000 Periodo de gracia 12

Tasa interés 12% VF en 12 S/. 50,400.00
Plazo (nper) 20 años Pago 228 S/. 541.06
240 meses
Tasa interés 0.95% mensual
Pago S/. 476.38
Caso 1

VA 45,000
Tasa interés 12%
Plazo (nper) 20 años
240 meses
Tasa interés 0.95% mensual
Pago S/. 476.38

N° Amortización Interes Pago Saldo

0 0 0 45,000
1 S/. 49.38 427.00 S/. 476.38 44,950.62
2 S/. 49.85 426.53 S/. 476.38 44,900.76
3 S/. 50.33 426.05 S/. 476.38 44,850.44
4 S/. 50.80 425.58 S/. 476.38 44,799.63
5 S/. 51.29 425.09 S/. 476.38 44,748.35
6 S/. 51.77 424.61 S/. 476.38 44,696.57
7 S/. 52.26 424.12 S/. 476.38 44,644.31
8 S/. 52.76 423.62 S/. 476.38 44,591.55
9 S/. 53.26 423.12 S/. 476.38 44,538.29
10 S/. 53.77 422.61 S/. 476.38 44,484.52
11 S/. 54.28 422.10 S/. 476.38 44,430.25
12 S/. 54.79 421.59 S/. 476.38 44,375.45
13 S/. 55.31 421.07 S/. 476.38 44,320.14
14 S/. 55.84 420.54 S/. 476.38 44,264.31
15 S/. 56.37 420.01 S/. 476.38 44,207.94
16 S/. 56.90 419.48 S/. 476.38 44,151.04
17 S/. 57.44 418.94 S/. 476.38 44,093.60
18 S/. 57.99 418.40 S/. 476.38 44,035.62
19 S/. 58.54 417.84 S/. 476.38 43,977.08
20 S/. 59.09 417.29 S/. 476.38 43,917.99
21 S/. 59.65 416.73 S/. 476.38 43,858.34
22 S/. 60.22 416.16 S/. 476.38 43,798.12
23 S/. 60.79 415.59 S/. 476.38 43,737.33
24 S/. 61.37 415.01 S/. 476.38 43,675.96
25 S/. 61.95 414.43 S/. 476.38 43,614.02
26 S/. 62.54 413.84 S/. 476.38 43,551.48
27 S/. 63.13 413.25 S/. 476.38 43,488.35
28 S/. 63.73 412.65 S/. 476.38 43,424.62
29 S/. 64.33 412.05 S/. 476.38 43,360.29
30 S/. 64.94 411.44 S/. 476.38 43,295.34
31 S/. 65.56 410.82 S/. 476.38 43,229.78
32 S/. 66.18 410.20 S/. 476.38 43,163.60
33 S/. 66.81 409.57 S/. 476.38 43,096.79
34 S/. 67.44 408.94 S/. 476.38 43,029.35
35 S/. 68.08 408.30 S/. 476.38 42,961.26
36 S/. 68.73 407.65 S/. 476.38 42,892.54
37 S/. 69.38 407.00 S/. 476.38 42,823.15
38 S/. 70.04 406.34 S/. 476.38 42,753.11
39 S/. 70.71 405.68 S/. 476.38 42,682.41
40 S/. 71.38 405.00 S/. 476.38 42,611.03
41 S/. 72.05 404.33 S/. 476.38 42,538.98
42 S/. 72.74 403.64 S/. 476.38 42,466.24
43 S/. 73.43 402.95 S/. 476.38 42,392.81
44 S/. 74.12 402.26 S/. 476.38 42,318.69
45 S/. 74.83 401.55 S/. 476.38 42,243.86
46 S/. 75.54 400.84 S/. 476.38 42,168.33
47 S/. 76.25 400.13 S/. 476.38 42,092.07
48 S/. 76.98 399.40 S/. 476.38 42,015.09
49 S/. 77.71 398.67 S/. 476.38 41,937.39
50 S/. 78.45 397.94 S/. 476.38 41,858.94
51 S/. 79.19 397.19 S/. 476.38 41,779.75
52 S/. 79.94 396.44 S/. 476.38 41,699.81
53 S/. 80.70 395.68 S/. 476.38 41,619.11
54 S/. 81.47 394.92 S/. 476.38 41,537.64
55 S/. 82.24 394.14 S/. 476.38 41,455.41
56 S/. 83.02 393.36 S/. 476.38 41,372.39
57 S/. 83.81 392.57 S/. 476.38 41,288.58
58 S/. 84.60 391.78 S/. 476.38 41,203.98
59 S/. 85.40 390.98 S/. 476.38 41,118.58
60 S/. 86.21 390.17 S/. 476.38 41,032.36
61 S/. 87.03 389.35 S/. 476.38 40,945.33
62 S/. 87.86 388.52 S/. 476.38 40,857.47
63 S/. 88.69 387.69 S/. 476.38 40,768.78
64 S/. 89.53 386.85 S/. 476.38 40,679.24
65 S/. 90.38 386.00 S/. 476.38 40,588.86
66 S/. 91.24 385.14 S/. 476.38 40,497.62
67 S/. 92.11 384.27 S/. 476.38 40,405.51
68 S/. 92.98 383.40 S/. 476.38 40,312.53
69 S/. 93.86 382.52 S/. 476.38 40,218.67
70 S/. 94.75 381.63 S/. 476.38 40,123.91
71 S/. 95.65 380.73 S/. 476.38 40,028.26
72 S/. 96.56 379.82 S/. 476.38 39,931.70
73 S/. 97.48 378.90 S/. 476.38 39,834.22
74 S/. 98.40 377.98 S/. 476.38 39,735.82
75 S/. 99.34 377.04 S/. 476.38 39,636.48
76 S/. 100.28 376.10 S/. 476.38 39,536.21
77 S/. 101.23 375.15 S/. 476.38 39,434.98
 78 S/. 102.19 374.19 S/. 476.38 39,332.79
79 S/. 103.16 373.22 S/. 476.38 39,229.63
80 S/. 104.14 372.24 S/. 476.38 39,125.49
81 S/. 105.13 371.25 S/. 476.38 39,020.36
82 S/. 106.12 370.26 S/. 476.38 38,914.24
83 S/. 107.13 369.25 S/. 476.38 38,807.11
84 S/. 108.15 368.23 S/. 476.38 38,698.96
85 S/. 109.17 367.21 S/. 476.38 38,589.78
86 S/. 110.21 366.17 S/. 476.38 38,479.57
87 S/. 111.26 365.12 S/. 476.38 38,368.32
88 S/. 112.31 364.07 S/. 476.38 38,256.01
89 S/. 113.38 363.00 S/. 476.38 38,142.63
90 S/. 114.45 361.93 S/. 476.38 38,028.18 0
91 S/. 115.54 360.84 S/. 476.38 37,912.64
92 S/. 116.64 359.75 S/. 476.38 37,796.00
93 S/. 117.74 358.64 S/. 476.38 37,678.26
94 S/. 118.86 357.52 S/. 476.38 37,559.40
95 S/. 119.99 356.39 S/. 476.38 37,439.41
96 S/. 121.13 355.25 S/. 476.38 37,318.29
97 S/. 122.28 354.11 S/. 476.38 37,196.01
98 S/. 123.44 352.95 S/. 476.38 37,072.58
99 S/. 124.61 351.77 S/. 476.38 36,947.97
100 S/. 125.79 350.59 S/. 476.38 36,822.18
101 S/. 126.98 349.40 S/. 476.38 36,695.20
102 S/. 128.19 348.19 S/. 476.38 36,567.01
103 S/. 129.40 346.98 S/. 476.38 36,437.61
104 S/. 130.63 345.75 S/. 476.38 36,306.98
105 S/. 131.87 344.51 S/. 476.38 36,175.11
106 S/. 133.12 343.26 S/. 476.38 36,041.98
107 S/. 134.39 341.99 S/. 476.38 35,907.60
108 S/. 135.66 340.72 S/. 476.38 35,771.94
109 S/. 136.95 339.43 S/. 476.38 35,634.99
110 S/. 138.25 338.13 S/. 476.38 35,496.74
111 S/. 139.56 336.82 S/. 476.38 35,357.18
112 S/. 140.88 335.50 S/. 476.38 35,216.30
113 S/. 142.22 334.16 S/. 476.38 35,074.08
114 S/. 143.57 332.81 S/. 476.38 34,930.51
115 S/. 144.93 331.45 S/. 476.38 34,785.58
116 S/. 146.31 330.07 S/. 476.38 34,639.27
117 S/. 147.70 328.68 S/. 476.38 34,491.57
118 S/. 149.10 327.28 S/. 476.38 34,342.48
119 S/. 150.51 325.87 S/. 476.38 34,191.96
120 S/. 151.94 324.44 S/. 476.38 34,040.02
121 S/. 153.38 323.00 S/. 476.38 33,886.64
122 S/. 154.84 321.54 S/. 476.38 33,731.80
123 S/. 156.31 320.07 S/. 476.38 33,575.50
124 S/. 157.79 318.59 S/. 476.38 33,417.71
125 S/. 159.29 317.09 S/. 476.38 33,258.42
126 S/. 160.80 315.58 S/. 476.38 33,097.62
127 S/. 162.32 314.06 S/. 476.38 32,935.30
128 S/. 163.86 312.52 S/. 476.38 32,771.44
129 S/. 165.42 310.96 S/. 476.38 32,606.02
130 S/. 166.99 309.39 S/. 476.38 32,439.03
131 S/. 168.57 307.81 S/. 476.38 32,270.45
132 S/. 170.17 306.21 S/. 476.38 32,100.28
133 S/. 171.79 304.59 S/. 476.38 31,928.49
134 S/. 173.42 302.96 S/. 476.38 31,755.08
135 S/. 175.06 301.32 S/. 476.38 31,580.01
136 S/. 176.72 299.66 S/. 476.38 31,403.29
137 S/. 178.40 297.98 S/. 476.38 31,224.89
138 S/. 180.09 296.29 S/. 476.38 31,044.79
139 S/. 181.80 294.58 S/. 476.38 30,862.99
140 S/. 183.53 292.85 S/. 476.38 30,679.46
141 S/. 185.27 291.11 S/. 476.38 30,494.19
142 S/. 187.03 289.35 S/. 476.38 30,307.17
143 S/. 188.80 287.58 S/. 476.38 30,118.36
144 S/. 190.59 285.79 S/. 476.38 29,927.77
145 S/. 192.40 283.98 S/. 476.38 29,735.37
146 S/. 194.23 282.15 S/. 476.38 29,541.14
147 S/. 196.07 280.31 S/. 476.38 29,345.07
148 S/. 197.93 278.45 S/. 476.38 29,147.14
149 S/. 199.81 276.57 S/. 476.38 28,947.33
150 S/. 201.71 274.68 S/. 476.38 28,745.62
151 S/. 203.62 272.76 S/. 476.38 28,542.00
152 S/. 205.55 270.83 S/. 476.38 28,336.45
153 S/. 207.50 268.88 S/. 476.38 28,128.95
154 S/. 209.47 266.91 S/. 476.38 27,919.48
155 S/. 211.46 264.92 S/. 476.38 27,708.02
156 S/. 213.46 262.92 S/. 476.38 27,494.56
157 S/. 215.49 260.89 S/. 476.38 27,279.07
158 S/. 217.54 258.85 S/. 476.38 27,061.53
159 S/. 219.60 256.78 S/. 476.38 26,841.93
160 S/. 221.68 254.70 S/. 476.38 26,620.25
161 S/. 223.79 252.59 S/. 476.38 26,396.46
162 S/. 225.91 250.47 S/. 476.38 26,170.55
163 S/. 228.05 248.33 S/. 476.38 25,942.50
164 S/. 230.22 246.16 S/. 476.38 25,712.28
165 S/. 232.40 243.98 S/. 476.38 25,479.88
166 S/. 234.61 241.77 S/. 476.38 25,245.27
167 S/. 236.83 239.55 S/. 476.38 25,008.44
168 S/. 239.08 237.30 S/. 476.38 24,769.36
169 S/. 241.35 235.03 S/. 476.38 24,528.01
170 S/. 243.64 232.74 S/. 476.38 24,284.37
171 S/. 245.95 230.43 S/. 476.38 24,038.42
172 S/. 248.28 228.10 S/. 476.38 23,790.13
173 S/. 250.64 225.74 S/. 476.38 23,539.49
174 S/. 253.02 223.36 S/. 476.38 23,286.47
175 S/. 255.42 220.96 S/. 476.38 23,031.05
176 S/. 257.84 218.54 S/. 476.38 22,773.21
177 S/. 260.29 216.09 S/. 476.38 22,512.92
178 S/. 262.76 213.62 S/. 476.38 22,250.16
179 S/. 265.25 211.13 S/. 476.38 21,984.91
180 S/. 267.77 208.61 S/. 476.38 21,717.14 S/. 10,000.00 S/. 28,582.83
181 S/. 270.31 206.07 S/. 476.38 21,446.83
182 S/. 272.88 203.50 S/. 476.38 21,173.95
183 S/. 275.47 200.92 S/. 476.38 20,898.48
184 S/. 278.08 198.30 S/. 476.38 20,620.41
185 S/. 280.72 195.66 S/. 476.38 20,339.69
186 S/. 283.38 193.00 S/. 476.38 20,056.31
187 S/. 286.07 190.31 S/. 476.38 19,770.24
188 S/. 288.78 187.60 S/. 476.38 19,481.45
189 S/. 291.53 184.86 S/. 476.38 19,189.93
190 S/. 294.29 182.09 S/. 476.38 18,895.63
191 S/. 297.08 179.30 S/. 476.38 18,598.55
192 S/. 299.90 176.48 S/. 476.38 18,298.65
193 S/. 302.75 173.63 S/. 476.38 17,995.90
194 S/. 305.62 170.76 S/. 476.38 17,690.28
195 S/. 308.52 167.86 S/. 476.38 17,381.76
196 S/. 311.45 164.93 S/. 476.38 17,070.31
197 S/. 314.40 161.98 S/. 476.38 16,755.90
198 S/. 317.39 158.99 S/. 476.38 16,438.52
199 S/. 320.40 155.98 S/. 476.38 16,118.12
200 S/. 323.44 152.94 S/. 476.38 15,794.68
201 S/. 326.51 149.87 S/. 476.38 15,468.17
202 S/. 329.61 146.77 S/. 476.38 15,138.57
203 S/. 332.73 143.65 S/. 476.38 14,805.83
204 S/. 335.89 140.49 S/. 476.38 14,469.94
205 S/. 339.08 137.30 S/. 476.38 14,130.86
206 S/. 342.30 134.08 S/. 476.38 13,788.57
207 S/. 345.54 130.84 S/. 476.38 13,443.02
208 S/. 348.82 127.56 S/. 476.38 13,094.20
209 S/. 352.13 124.25 S/. 476.38 12,742.07
210 S/. 355.47 120.91 S/. 476.38 12,386.59
211 S/. 358.85 117.53 S/. 476.38 12,027.75
212 S/. 362.25 114.13 S/. 476.38 11,665.50
213 S/. 365.69 110.69 S/. 476.38 11,299.81
214 S/. 369.16 107.22 S/. 476.38 10,930.65
215 S/. 372.66 103.72 S/. 476.38 10,557.99
216 S/. 376.20 100.18 S/. 476.38 10,181.79
217 S/. 379.77 96.61 S/. 476.38 9,802.02
218 S/. 383.37 93.01 S/. 476.38 9,418.65
219 S/. 387.01 89.37 S/. 476.38 9,031.64
220 S/. 390.68 85.70 S/. 476.38 8,640.96
221 S/. 394.39 81.99 S/. 476.38 8,246.57
222 S/. 398.13 78.25 S/. 476.38 7,848.44
223 S/. 401.91 74.47 S/. 476.38 7,446.53
224 S/. 405.72 70.66 S/. 476.38 7,040.81
225 S/. 409.57 66.81 S/. 476.38 6,631.24
226 S/. 413.46 62.92 S/. 476.38 6,217.78
227 S/. 417.38 59.00 S/. 476.38 5,800.40
228 S/. 421.34 55.04 S/. 476.38 5,379.06
229 S/. 425.34 51.04 S/. 476.38 4,953.72
230 S/. 429.38 47.00 S/. 476.38 4,524.34
231 S/. 433.45 42.93 S/. 476.38 4,090.89
232 S/. 437.56 38.82 S/. 476.38 3,653.33
233 S/. 441.71 34.67 S/. 476.38 3,211.62
234 S/. 445.91 30.47 S/. 476.38 2,765.71
235 S/. 450.14 26.24 S/. 476.38 2,315.57
236 S/. 454.41 21.97 S/. 476.38 1,861.16
237 S/. 458.72 17.66 S/. 476.38 1,402.44
238 S/. 463.07 13.31 S/. 476.38 939.37
239 S/. 467.47 8.91 S/. 476.38 471.90
240 S/. 471.90 4.48 S/. 476.38 -0.00
 Chart Title
600

500

400

300

200

100

0
1 6 11 16 21 26 31 36 41 46 51 56 61 66 71 76 81 86 91 96 101106111116121126131136141146151156161166171176181186191196201206211216221226231236241

Amortización Interes
 Datos para determinar cuota.
Caso 1
Tasa de interés efectivo anual 12.00%
Tasa de interés diaria 0.0315%
Tasa Mensual de seguro vehicular 0.50%
Seguro Vehicular 100
Tasa mensual seguro de desgravamen 0.0350%
Tasa de seguro de desgravamen diaria 0.0012%
Envío estado de cuenta 10
Valor auto 20,000
Monto de Deuda 16,000
Cuota 1531.419

Tasa costo efectivo mensual 2.1981%

Tasa costo efectivo anual (TCEA) 29.8115%

N° Fechas días Saldo Amortización Interes Seguro Desg

0 11/11/2019 16,000.00
1 12/11/2019 30 14,736.00 1,264.00 151.82 5.60
2 1/11/2020 31 13,464.42 1,271.58 144.51 5.33
3 2/11/2020 31 12,179.91 1,284.51 132.04 4.87
4 3/11/2020 29 10,874.32 1,305.60 111.70 4.12
5 4/11/2020 31 9,563.47 1,310.85 106.64 3.93
6 5/11/2020 30 8,236.14 1,327.33 90.75 3.35
7 6/11/2020 31 6,898.47 1,337.67 80.77 2.98
8 7/11/2020 30 5,544.93 1,353.55 65.46 2.41
9 8/11/2020 31 4,179.89 1,365.04 54.38 2.01
10 9/11/2020 31 2,800.97 1,378.92 40.99 1.51
11 10/11/2020 30 1,407.11 1,393.86 26.58 0.98
12 11/11/2020 31 0.00 1,407.11 13.80 0.51
Seguro Bien Envío inf. Cuota

100.00 10.00 1,531.42

100.00 10.00 1,531.42
100.00 10.00 1,531.42
100.00 10.00 1,531.42
100.00 10.00 1,531.42
100.00 10.00 1,531.42
100.00 10.00 1,531.42
100.00 10.00 1,531.42
100.00 10.00 1,531.42
100.00 10.00 1,531.42
100.00 10.00 1,531.42
100.00 10.00 1,531.42
Caso 1. Comparación Anualidad - Perpetuidad

Anualidad Perpetuidad
Pago mensual 800 800 800 800 800
Nper años 20 40 60 80
Nper meses 240 480 720 960
Tasa mensual 1% 1% 1% 1% 1%

Valor Actual 72,656 79,326 79,938 79,994 80,000

Caso 2.

Pago inicial 8,000

tasa crecimiento 2.5%
Tasa interes 10.00%

Va perpetuidad 106,667