M AT E M Á T I C A F I N A N C I E R A Y A C T U A R I A L

Tabla 2 Del 5% y 6% anual

CÁLCULO DEL MONTO CON INTERÉS COMPUESTO
Factor: (1 + i) n
Instrucciones: Cuando la capitalización es quincenal el estudiante tomará la columna 24; si es
trimestral tomará la columna 4, etc. de la tasa anual dada.

5 % según el número de capitalizaciones por año 6 % según el número de capitalizaciones por año
n 24 12 6 4 2 1 24 12 6 4 2 1
01 1,00208 1,00417 1,00833 1,01250 1,02500 1,05000 1,00250 1,00500 1,01000 1,01500 1,03000 1,06000
02 1,00417 1,00835 1,01674 1,02516 1,05063 1,10250 1,00501 1,01003 1,02010 1,03023 1,06090 1,12360
03 1,00626 1,01255 1,02521 1,03797 1,07689 1,15763 1,00752 1,01508 1,03030 1,04568 1,09273 1,19102
04 1,00836 1,01677 1,03375 1,05095 1,10381 1,21551 1,01004 1,02015 1,04060 1,06136 1,12551 1,26248
05 1,01046 1,02101 1,04237 1,06408 1,13141 1,27628 1,01256 1,02525 1,05101 1,07728 1,15927 1,33823
06 1,01257 1,02526 1,05105 1,07738 1,15969 1,34010 1,01509 1,03038 1,06152 1,09344 1,19405 1,41852
07 1,01467 1,02953 1,05981 1,09085 1,18869 1,40710 1,01763 1,03553 1,07214 1,10984 1,22987 1,50363
08 1,01679 1,03382 1,06864 1,10449 1,21840 1,47746 1,02018 1,04071 1,08286 1,12649 1,26677 1,59385
09 1,01891 1,03813 1,07755 1,11829 1,24886 1,55133 1,02273 1,04591 1,09369 1,14339 1,30477 1,68948
10 1,02103 1,04246 1,08653 1,13227 1,28008 1,62889 1,02528 1,05114 1,10462 1,16054 1,34392 1,79085
11 1,02316 1,04680 1,09558 1,14642 1,31209 1,71034 1,02785 1,05640 1,11567 1,17795 1,38423 1,89830
12 1,02529 1,05116 1,10471 1,16075 1,34489 1,79586 1,03042 1,06168 1,12683 1,19562 1,42576 2,01220
13 1,02742 1,05554 1,11392 1,17526 1,37851 1,88565 1,03299 1,06699 1,13809 1,21355 1,46853 2,13293
14 1,02956 1,05994 1,12320 1,18995 1,41297 1,97993 1,03557 1,07232 1,14947 1,23176 1,51259 2,26090
15 1,03171 1,06436 1,13256 1,20483 1,44830 2,07893 1,03816 1,07768 1,16097 1,25023 1,55797 2,39656
16 1,03386 1,06879 1,14200 1,21989 1,48451 2,18287 1,04076 1,08307 1,17258 1,26899 1,60471 2,54035
17 1,03601 1,07324 1,15152 1,23514 1,52162 2,29202 1,04336 1,08849 1,18430 1,28802 1,65285 2,69277
18 1,03817 1,07772 1,16111 1,25058 1,55966 2,40662 1,04597 1,09393 1,19615 1,30734 1,70243 2,85434
19 1,04033 1,08221 1,17079 1,26621 1,59865 2,52695 1,04858 1,09940 1,19615 1,32695 1,75351 3,02560
20 1,04250 1,08672 1,18054 1,28204 1,63862 2,65330 1,05121 1,10490 1,22019 1,34686 1,80611 3,20714
21 1,04467 1,09124 1,19038 1,29806 1,67958 2,78596 1,05383 1,11042 1,23239 1,36706 1,86029 3,39956
22 1,04685 1,09579 1,20030 1,31429 1,72157 2,92526 1,05647 1,11597 1,24472 1,38756 1,91610 3,60354
23 1,04903 1,10036 1,21031 1,33072 1,76461 3,07152 1,05911 1,12155 1,25716 1,40838 1,97359 3,81975
24 1,05122 1,10494 1,22039 1,34735 1,80873 3,22510 1,06176 1,12716 1,26973 1,42950 2,03279 4,04893
25 1,05341 1,10955 1,23056 1,36419 1,85394 3,38635 1,06441 1,13280 1,28243 1,45095 2,09378 4,29187
26 1,05560 1,11417 1,24082 1,38125 1,90029 3,55567 1,06707 1,13846 1,29526 1,47271 2,15659 4,54938
27 1,05780 1,11881 1,25116 1,39851 1,94780 3,73346 1,06974 1,14415 1,30821 1,49480 2,22129 4,82235
28 1,06000 1,12347 1,26158 1,41599 1,99650 3,92013 1,07241 1,14987 1,32129 1,51722 2,28793 5,11169
29 1,06221 1,12815 1,27210 1,43369 2,04641 4,11614 1,07510 1,15562 1,33450 1,53998 2,35657 5,41839
30 1,06443 1,13285 1,28270 1,45161 2,09757 4,32194 1,07778 1,16140 1,34785 1,56308 2,42726 5,74349
31 1,06664 1,13757 1,29339 1,46976 2,15001 4,53804 1,08048 1,16721 1,36133 1,58653 2,50008 6,08810
32 1,06886 1,14231 1,30416 1,48813 2,20376 4,76494 1,08318 1,17304 1,37494 1,61032 2,57508 6,45339
33 1,07109 1,14707 1,31503 1,50673 2,25885 5,00319 1,08589 1,17891 1,38869 1,63448 2,65234 6,84059
34 1,07332 1,15185 1,32599 1,52557 2,31532 5,25335 1,08860 1,18480 1,40258 1,65900 2,73191 7,25103
35 1,07556 1,15665 1,33704 1,54464 2,37321 5,51602 1,09132 1,19073 1,41660 1,68388 2,81386 7,68609
36 1,07780 1,16147 1,34818 1,56394 2,43254 5,79182 1,09405 1,19668 1,43077 1,70914 2,89828 8,14725
37 1,08005 1,16631 1,35942 1,58349 2,49335 6,08141 1,09679 1,20266 1,44508 1,73478 2,98523 8,63609
38 1,08230 1,17117 1,37075 1,60329 2,55568 6,38548 1,09953 1,20868 1,45953 1,76080 3,07478 9,15425
39 1,08455 1,17605 1,38217 1,62333 2,61957 6,70475 1,10228 1,21472 1,47412 1,78721 3,16703 9,70351
40 1,08681 1,18095 1,39369 1,64362 2,68506 7,03999 1,10503 1,22079 1,48886 1,81402 3,26204 10,28572
41 1,08907 1,18587 1,40530 1,66416 2,75219 7,39199 1,10780 1,22690 1,50375 1,84123 3,35990 10,90286
42 1,09134 1,19081 1,41701 1,68497 2,82100 7,76159 1,11057 1,23303 1,51879 1,86885 3,46070 11,55703
43 1,09362 1,19577 1,42882 1,70603 2,89152 8,14967 1,11334 1,23920 1,53398 1,89688 3,56452 12,25045
44 1,09589 1,20076 1,44073 1,72735 2,96381 8,55715 1,11612 1,24539 1,54932 1,92533 3,67145 12,98548
45 1,09818 1,20576 1,45273 1,74895 3,03790 8,98501 1,11892 1,25162 1,56481 1,95421 3,78160 13,76461

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 WA LT E R C É S P E D E S R A M Í R E Z

Tabla 2 (Continuación) Del 7% y 8% anual

CÁLCULO DEL MONTO CON INTERÉS COMPUESTO
Factor: (1 + i) n
Instrucciones: Cuando la capitalización es quincenal el estudiante tomará la columna 24 ; si es
trimestral tomará la columna 4, etc. de la tasa anual dada.

7 % según el número de capitalizaciones por año 8 % según el número de capitalizaciones por año
n 24 12 6 4 2 1 24 12 6 4 2 1
01 1,00292 1,00583 1,01167 1,01750 1,03500 1,07000 1,00333 1,00667 1,01333 1,02000 1,04000 1,08000
02 1,00584 1,01170 1,02347 1,03531 1,07123 1,14490 1,00668 1,01338 1,02684 1,04040 1,08160 1,16640
03 1,00878 1,01760 1,03541 1,05342 1,10872 1,22504 1,01003 1,02013 1,04054 1,06121 1,12486 1,25971
04 1,01172 1,02354 1,04749 1,07186 1,14752 1,31080 1,01340 1,02693 1,05441 1,08243 1,16986 1,36049
05 1,01467 1,02951 1,05971 1,09062 1,18769 1,40255 1,01678 1,03378 1,06847 1,10408 1,21665 1,46933
06 1,01763 1,03551 1,07207 1,10970 1,22926 1,50073 1,02017 1,04067 1,08271 1,12616 1,26532 1,58687
07 1,02060 1,04155 1,08458 1,12912 1,27228 1,60578 1,02357 1,04761 1,09715 1,14869 1,31593 1,71382
08 1,02357 1,04763 1,09723 1,14888 1,31681 1,71819 1,02698 1,05459 1,11178 1,17166 1,36857 1,85093
09 1,02656 1,05374 1,11004 1,16899 1,36290 1,83846 1,03040 1,06163 1,12660 1,19509 1,42331 1,99900
10 1,02955 1,05989 1,12299 1,18944 1,41060 1,96715 1,03384 1,06870 1,14162 1,21899 1,48024 2,15892
11 1,03256 1,06607 1,13609 1,21026 1,45997 2,10485 1,03728 1,07583 1,15685 1,24337 1,53945 2,33164
12 1,03557 1,07229 1,14934 1,23144 1,51107 2,25219 1,04074 1,08300 1,17227 1,26824 1,60103 2,51817
13 1,03859 1,07855 1,16275 1,25299 1,56396 2,40985 1,04421 1,09022 1,18790 1,29361 1,66507 2,71962
14 1,04162 1,08484 1,17632 1,27492 1,61869 2,57853 1,04769 1,09749 1,20374 1,31948 1,73168 2,93719
15 1,04465 1,09116 1,19004 1,29723 1,67535 2,75903 1,05118 1,10480 1,21979 1,34587 1,80094 3,17217
16 1,04770 1,09753 1,20392 1,31993 1,73399 2,95216 1,05469 1,11217 1,23605 1,37279 1,87298 3,42594
17 1,05076 1,10393 1,21797 1,34303 1,79468 3,15882 1,05820 1,11958 1,25253 1,40024 1,94790 3,70002
18 1,05382 1,11037 1,23218 1,36653 1,85749 3,37993 1,06173 1,12705 1,26923 1,42825 2,02582 3,99602
19 1,05690 1,11685 1,23218 1,39045 1,92250 3,61653 1,06527 1,13456 1,28616 1,45681 2,10685 4,31570
20 1,05998 1,12336 1,26110 1,41478 1,98979 3,86968 1,06882 1,14213 1,30331 1,48595 2,19112 4,66096
21 1,06307 1,12992 1,27581 1,43954 2,05943 4,14056 1,07238 1,14974 1,32068 1,51567 2,27877 5,03383
22 1,06617 1,13651 1,29070 1,46473 2,13151 4,43040 1,07596 1,15740 1,33829 1,54598 2,36992 5,43654
23 1,06928 1,14314 1,30575 1,49036 2,20611 4,74053 1,07954 1,16512 1,35614 1,57690 2,46472 5,87146
24 1,07240 1,14981 1,32099 1,51644 2,28333 5,07237 1,08314 1,17289 1,37422 1,60844 2,56330 6,34118
25 1,07553 1,15651 1,33640 1,54298 2,36324 5,42743 1,08675 1,18071 1,39254 1,64061 2,66584 6,84848
26 1,07866 1,16326 1,35199 1,56998 2,44596 5,80735 1,09038 1,18858 1,41111 1,67342 2,77247 7,39635
27 1,08181 1,17005 1,36776 1,59746 2,53157 6,21387 1,09401 1,19650 1,42992 1,70689 2,88337 7,98806
28 1,08497 1,17687 1,38372 1,62541 2,62017 6,64884 1,09766 1,20448 1,44899 1,74102 2,99870 8,62711
29 1,08813 1,18374 1,39986 1,65386 2,71188 7,11426 1,10132 1,21251 1,46831 1,77584 3,11865 9,31727
30 1,09130 1,19064 1,41620 1,68280 2,80679 7,61226 1,10499 1,22059 1,48789 1,81136 3,24340 10,06266
31 1,09449 1,19759 1,43272 1,71225 2,90503 8,14511 1,10867 1,22873 1,50773 1,84759 3,37313 10,86767
32 1,09768 1,20457 1,44943 1,74221 3,00671 8,71527 1,11237 1,23692 1,52783 1,88454 3,50806 11,73708
33 1,10088 1,21160 1,46634 1,77270 3,11194 9,32534 1,11607 1,24517 1,54820 1,92223 3,64838 12,67605
34 1,10409 1,21867 1,48345 1,80372 3,22086 9,97811 1,11979 1,25347 1,56884 1,96068 3,79432 13,69013
35 1,10731 1,22578 1,50076 1,83529 3,33359 10,67658 1,12353 1,26182 1,58976 1,99989 3,94609 14,78534
36 1,11054 1,23293 1,51827 1,86741 3,45027 11,42394 1,12727 1,27024 1,61096 2,03989 4,10393 15,96817
37 1,11378 1,24012 1,53598 1,90009 3,57103 12,22362 1,13103 1,27871 1,63244 2,08069 4,26809 17,24563
38 1,11703 1,24735 1,55390 1,93334 3,69601 13,07927 1,13480 1,28723 1,65420 2,12230 4,43881 18,62528
39 1,12029 1,25463 1,57203 1,96717 3,82537 13,99482 1,13858 1,29581 1,67626 2,16474 4,61637 20,11530
40 1,12355 1,26195 1,59037 2,00160 3,95926 14,97446 1,14238 1,30445 1,69861 2,20804 4,80102 21,72452
41 1,12683 1,26931 1,60892 2,03663 4,09783 16,02267 1,14619 1,31315 1,72126 2,25220 4,99306 23,46248
42 1,13012 1,27671 1,62769 2,07227 4,24126 17,14426 1,15001 1,32190 1,74421 2,29724 5,19278 25,33948
43 1,13341 1,28416 1,64668 2,10853 4,38970 18,34435 1,15384 1,33071 1,76746 2,34319 5,40050 27,36664
44 1,13672 1,29165 1,66589 2,14543 4,54334 19,62846 1,15769 1,33959 1,79103 2,39005 5,61652 29,55597
45 1,14004 1,29919 1,68533 2,18298 4,70236 21,00245 1,16154 1,34852 1,81491 2,43785 5,84118 31,92045

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 M AT E M Á T I C A F I N A N C I E R A Y A C T U A R I A L

Tabla 2 (Continuación) Del 9% y 10% anual

CÁLCULO DEL MONTO CON INTERÉS COMPUESTO
Factor: (1 + i) n
Instrucciones: Cuando la capitalización es quincenal el estudiante tomará la columna 24; si es
trimestral tomará la columna 4, etc. de la tasa anual dada.

9 % según el número de capitalizaciones por año 10 % según el número de capitalizaciones por año
n 24 12 6 4 2 1 24 12 6 4 2 1
01 1,00375 1,00750 1,01500 1,02250 1,04500 1,09000 1,00417 1,00833 1,01667 1,02500 1,05000 1,10000
02 1,00751 1,01506 1,03023 1,04551 1,09203 1,18810 1,00835 1,01674 1,03361 1,05063 1,10250 1,21000
03 1,01129 1,02267 1,04568 1,06903 1,14117 1,29503 1,01255 1,02521 1,05084 1,07689 1,15763 1,33100
04 1,01508 1,03034 1,06136 1,09308 1,19252 1,41158 1,01677 1,03375 1,06835 1,10381 1,21551 1,46410
05 1,01889 1,03807 1,07728 1,11768 1,24618 1,53862 1,02101 1,04237 1,08616 1,13141 1,27628 1,61051
06 1,02271 1,04585 1,09344 1,14283 1,30226 1,67710 1,02526 1,05105 1,10426 1,15969 1,34010 1,77156
07 1,02655 1,05370 1,10984 1,16854 1,36086 1,82804 1,02953 1,05981 1,12266 1,18869 1,40710 1,94872
08 1,03040 1,06160 1,12649 1,19483 1,42210 1,99256 1,03382 1,06864 1,14138 1,21840 1,47746 2,14359
09 1,03426 1,06956 1,14339 1,22171 1,48610 2,17189 1,03813 1,07755 1,16040 1,24886 1,55133 2,35795
10 1,03814 1,07758 1,16054 1,24920 1,55297 2,36736 1,04246 1,08653 1,17974 1,28008 1,62889 2,59374
11 1,04203 1,08566 1,17795 1,27731 1,62285 2,58043 1,04680 1,09558 1,19940 1,31209 1,71034 2,85312
12 1,04594 1,09381 1,19562 1,30605 1,69588 2,81266 1,05116 1,10471 1,21939 1,34489 1,79586 3,13843
13 1,04986 1,10201 1,21355 1,33544 1,77220 3,06580 1,05554 1,11392 1,23971 1,37851 1,88565 3,45227
14 1,05380 1,11028 1,23176 1,36548 1,85194 3,34173 1,05994 1,12320 1,26038 1,41297 1,97993 3,79750
15 1,05775 1,11860 1,25023 1,39621 1,93528 3,64248 1,06436 1,13256 1,28138 1,44830 2,07893 4,17725
16 1,06172 1,12699 1,26899 1,42762 2,02237 3,97031 1,06879 1,14200 1,30274 1,48451 2,18287 4,59497
17 1,06570 1,13544 1,28802 1,45974 2,11338 4,32763 1,07324 1,15152 1,32445 1,52162 2,29202 5,05447
18 1,06970 1,14396 1,30734 1,49259 2,20848 4,71712 1,07772 1,16111 1,34653 1,55966 2,40662 5,55992
19 1,07371 1,15254 1,30734 1,52617 2,30786 5,14166 1,08221 1,17079 1,36897 1,59865 2,52695 6,11591
20 1,07773 1,16118 1,34686 1,56051 2,41171 5,60441 1,08672 1,18054 1,39178 1,63862 2,65330 6,72750
21 1,08177 1,16989 1,36706 1,59562 2,52024 6,10881 1,09124 1,19038 1,41498 1,67958 2,78596 7,40025
22 1,08583 1,17867 1,38756 1,63152 2,63365 6,65860 1,09579 1,20030 1,43856 1,72157 2,92526 8,14027
23 1,08990 1,18751 1,40838 1,66823 2,75217 7,25787 1,10036 1,21031 1,46254 1,76461 3,07152 8,95430
24 1,09399 1,19641 1,42950 1,70577 2,87601 7,91108 1,10494 1,22039 1,48691 1,80873 3,22510 9,84973
25 1,09809 1,20539 1,45095 1,74415 3,00543 8,62308 1,10955 1,23056 1,51170 1,85394 3,38635 10,83471
26 1,10221 1,21443 1,47271 1,78339 3,14068 9,39916 1,11417 1,24082 1,53689 1,90029 3,55567 11,91818
27 1,10634 1,22354 1,49480 1,82352 3,28201 10,24508 1,11881 1,25116 1,56251 1,94780 3,73346 13,10999
28 1,11049 1,23271 1,51722 1,86454 3,42970 11,16714 1,12347 1,26158 1,58855 1,99650 3,92013 14,42099
29 1,11466 1,24196 1,53998 1,90650 3,58404 12,17218 1,12815 1,27210 1,61502 2,04641 4,11614 15,86309
30 1,11884 1,25127 1,56308 1,94939 3,74532 13,26768 1,13285 1,28270 1,64194 2,09757 4,32194 17,44940
31 1,12303 1,26066 1,58653 1,99325 3,91386 14,46177 1,13757 1,29339 1,66931 2,15001 4,53804 19,19434
32 1,12724 1,27011 1,61032 2,03810 4,08998 15,76333 1,14231 1,30416 1,69713 2,20376 4,76494 21,11378
33 1,13147 1,27964 1,63448 2,08396 4,27403 17,18203 1,14707 1,31503 1,72541 2,25885 5,00319 23,22515
34 1,13571 1,28923 1,65900 2,13085 4,46636 18,72841 1,15185 1,32599 1,75417 2,31532 5,25335 25,54767
35 1,13997 1,29890 1,68388 2,17879 4,66735 20,41397 1,15665 1,33704 1,78341 2,37321 5,51602 28,10244
36 1,14425 1,30865 1,70914 2,22782 4,87738 22,25123 1,16147 1,34818 1,81313 2,43254 5,79182 30,91268
37 1,14854 1,31846 1,73478 2,27794 5,09686 24,25384 1,16631 1,35942 1,84335 2,49335 6,08141 34,00395
38 1,15285 1,32835 1,76080 2,32920 5,32622 26,43668 1,17117 1,37075 1,87407 2,55568 6,38548 37,40434
39 1,15717 1,33831 1,78721 2,38160 5,56590 28,81598 1,17605 1,38217 1,90531 2,61957 6,70475 41,14478
40 1,16151 1,34835 1,81402 2,43519 5,81636 31,40942 1,18095 1,39369 1,93706 2,68506 7,03999 45,25926
41 1,16586 1,35846 1,84123 2,48998 6,07810 34,23627 1,18587 1,40530 1,96935 2,75219 7,39199 49,78518
42 1,17024 1,36865 1,86885 2,54601 6,35162 37,31753 1,19081 1,41701 2,00217 2,82100 7,76159 54,76370
43 1,17462 1,37891 1,89688 2,60329 6,63744 40,67611 1,19577 1,42882 2,03554 2,89152 8,14967 60,24007
44 1,17903 1,38926 1,92533 2,66186 6,93612 44,33696 1,20076 1,44073 2,06946 2,96381 8,55715 66,26408
45 1,18345 1,39968 1,95421 2,72176 7,24825 48,32729 1,20576 1,45273 2,10395 3,03790 8,98501 72,89048

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 WA LT E R C É S P E D E S R A M Í R E Z

Tabla 2 (Continuación) Del 11% y 12% anual

CÁLCULO DEL MONTO CON INTERÉS COMPUESTO
Factor: (1 + i) n
Instrucciones: Cuando la capitalización es quincenal el estudiante tomará la columna 24 ; si es
trimestral tomará la columna 4, etc. de la tasa anual dada.

11 % según el número de capitalizaciones por año 12 % según el número de capitalizaciones por año
n 24 12 6 4 2 1 24 12 6 4 2 1
01 1,00458 1,00917 1,01833 1,02750 1,05500 1,11000 1,00500 1,01000 1,02000 1,03000 1,06000 1,12000
02 1,00919 1,01842 1,03700 1,05576 1,11303 1,23210 1,01003 1,02010 1,04040 1,06090 1,12360 1,25440
03 1,01381 1,02775 1,05601 1,08479 1,17424 1,36763 1,01508 1,03030 1,06121 1,09273 1,19102 1,40493
04 1,01846 1,03717 1,07537 1,11462 1,23882 1,51807 1,02015 1,04060 1,08243 1,12551 1,26248 1,57352
05 1,02313 1,04668 1,09509 1,14527 1,30696 1,68506 1,02525 1,05101 1,10408 1,15927 1,33823 1,76234
06 1,02782 1,05628 1,11517 1,17677 1,37884 1,87041 1,03038 1,06152 1,12616 1,19405 1,41852 1,97382
07 1,03253 1,06596 1,13561 1,20913 1,45468 2,07616 1,03553 1,07214 1,14869 1,22987 1,50363 2,21068
08 1,03726 1,07573 1,15643 1,24238 1,53469 2,30454 1,04071 1,08286 1,17166 1,26677 1,59385 2,47596
09 1,04201 1,08559 1,17763 1,27655 1,61909 2,55804 1,04591 1,09369 1,19509 1,30477 1,68948 2,77308
10 1,04679 1,09554 1,19922 1,31165 1,70814 2,83942 1,05114 1,10462 1,21899 1,34392 1,79085 3,10585
11 1,05159 1,10558 1,22121 1,34772 1,80209 3,15176 1,05640 1,11567 1,24337 1,38423 1,89830 3,47855
12 1,05641 1,11572 1,24360 1,38478 1,90121 3,49845 1,06168 1,12683 1,26824 1,42576 2,01220 3,89598
13 1,06125 1,12595 1,26640 1,42287 2,00577 3,88328 1,06699 1,13809 1,29361 1,46853 2,13293 4,36349
14 1,06611 1,13627 1,28961 1,46199 2,11609 4,31044 1,07232 1,14947 1,31948 1,51259 2,26090 4,88711
15 1,07100 1,14668 1,31326 1,50220 2,23248 4,78459 1,07768 1,16097 1,34587 1,55797 2,39656 5,47357
16 1,07591 1,15719 1,33733 1,54351 2,35526 5,31089 1,08307 1,17258 1,37279 1,60471 2,54035 6,13039
17 1,08084 1,16780 1,36185 1,58596 2,48480 5,89509 1,08849 1,18430 1,40024 1,65285 2,69277 6,86604
18 1,08579 1,17851 1,38682 1,62957 2,62147 6,54355 1,09393 1,19615 1,42825 1,70243 2,85434 7,68997
19 1,09077 1,18931 1,38682 1,67438 2,76565 7,26334 1,09940 1,20811 1,45681 1,75351 3,02560 8,61276
20 1,09577 1,20021 1,43813 1,72043 2,91776 8,06231 1,10490 1,22019 1,48595 1,80611 3,20714 9,64629
21 1,10079 1,21121 1,46450 1,76774 3,07823 8,94917 1,11042 1,23239 1,51567 1,86029 3,39956 10,80385
22 1,10584 1,22232 1,49135 1,81635 3,24754 9,93357 1,11597 1,24472 1,54598 1,91610 3,60354 12,10031
23 1,11091 1,23352 1,51869 1,86630 3,42615 11,02627 1,12155 1,25716 1,57690 1,97359 3,81975 13,55235
24 1,11600 1,24483 1,54653 1,91763 3,61459 12,23916 1,12716 1,26973 1,60844 2,03279 4,04893 15,17863
25 1,12111 1,25624 1,57489 1,97036 3,81339 13,58546 1,13280 1,28243 1,64061 2,09378 4,29187 17,00006
26 1,12625 1,26775 1,60376 2,02455 4,02313 15,07986 1,13846 1,29526 1,67342 2,15659 4,54938 19,04007
27 1,13141 1,27938 1,63316 2,08022 4,24440 16,73865 1,14415 1,30821 1,70689 2,22129 4,82235 21,32488
28 1,13660 1,29110 1,66310 2,13743 4,47784 18,57990 1,14987 1,32129 1,74102 2,28793 5,11169 23,88387
29 1,14181 1,30294 1,69359 2,19621 4,72412 20,62369 1,15562 1,33450 1,77584 2,35657 5,41839 26,74993
30 1,14704 1,31488 1,72464 2,25660 4,98395 22,89230 1,16140 1,34785 1,81136 2,42726 5,74349 29,95992
31 1,15230 1,32694 1,75626 2,31866 5,25807 25,41045 1,16721 1,36133 1,84759 2,50008 6,08810 33,55511
32 1,15758 1,33910 1,78846 2,38242 5,54726 28,20560 1,17304 1,37494 1,88454 2,57508 6,45339 37,58173
33 1,16289 1,35137 1,82125 2,44794 5,85236 31,30821 1,17891 1,38869 1,92223 2,65234 6,84059 42,09153
34 1,16822 1,36376 1,85464 2,51526 6,17424 34,75212 1,18480 1,40258 1,96068 2,73191 7,25103 47,14252
35 1,17357 1,37626 1,88864 2,58443 6,51383 38,57485 1,19073 1,41660 1,99989 2,81386 7,68609 52,79962
36 1,17895 1,38888 1,92326 2,65550 6,87209 42,81808 1,19668 1,43077 2,03989 2,89828 8,14725 59,13557
37 1,18435 1,40161 1,95852 2,72852 7,25005 47,52807 1,20266 1,44508 2,08069 2,98523 8,63609 66,23184
38 1,18978 1,41446 1,99443 2,80356 7,64880 52,75616 1,20868 1,45953 2,12230 3,07478 9,15425 74,17966
39 1,19523 1,42742 2,03099 2,88066 8,06949 58,55934 1,21472 1,47412 2,16474 3,16703 9,70351 83,08122
40 1,20071 1,44051 2,06823 2,95987 8,51331 65,00087 1,22079 1,48886 2,20804 3,26204 10,28572 ---
41 1,20621 1,45371 2,10615 3,04127 8,98154 72,15096 1,22690 1,50375 2,25220 3,35990 10,90286 ---
42 1,21174 1,46704 2,14476 3,12491 9,47553 80,08757 1,23303 1,51879 2,29724 3,46070 11,55703 ---
43 1,21730 1,48049 2,18408 3,21084 9,99668 88,89720 1,23920 1,53398 2,34319 3,56452 12,25045 ---
44 1,22288 1,49406 2,22412 3,29914 10,54650 --- 1,24539 1,54932 2,39005 3,67145 12,98548 ---
45 1,22848 1,50775 2,26490 3,38986 11,12655 --- 1,25162 1,56481 2,43785 3,78160 13,76461 ---

z2 9 7 z
 M AT E M Á T I C A F I N A N C I E R A Y A C T U A R I A L

Tabla 2 (Continuación) Del 13% y 14% anual

CÁLCULO DEL MONTO CON INTERÉS COMPUESTO
Factor: (1 + i) n
Instrucciones: Cuando la capitalización es quincenal el estudiante tomará la columna 24 ; si es
trimestral tomará la columna 4, etc. de la tasa anual dada.

13 % según el número de capitalizaciones por año 14 % según el número de capitalizaciones por año
n 24 12 6 4 2 1 24 12 6 4 2 1
01 1,00542 1,01083 1,02167 1,03250 1,06500 1,13000 1,00583 1,01167 1,02333 1,03500 1,07000 1,14000
02 1,01086 1,02178 1,04380 1,06606 1,13423 1,27690 1,01170 1,02347 1,04721 1,07123 1,14490 1,29960
03 1,01634 1,03285 1,06642 1,10070 1,20795 1,44290 1,01760 1,03541 1,07165 1,10872 1,22504 1,48154
04 1,02184 1,04404 1,08952 1,13648 1,28647 1,63047 1,02354 1,04749 1,09665 1,14752 1,31080 1,68896
05 1,02738 1,05535 1,11313 1,17341 1,37009 1,84244 1,02951 1,05971 1,12224 1,18769 1,40255 1,92541
06 1,03294 1,06679 1,13725 1,21155 1,45914 2,08195 1,03551 1,07207 1,14843 1,22926 1,50073 2,19497
07 1,03854 1,07834 1,16189 1,25092 1,55399 2,35261 1,04155 1,08458 1,17522 1,27228 1,60578 2,50227
08 1,04416 1,09002 1,18706 1,29158 1,65500 2,65844 1,04763 1,09723 1,20264 1,31681 1,71819 2,85259
09 1,04982 1,10183 1,21278 1,33355 1,76257 3,00404 1,05374 1,11004 1,23071 1,36290 1,83846 3,25195
10 1,05551 1,11377 1,23906 1,37689 1,87714 3,39457 1,05989 1,12299 1,25942 1,41060 1,96715 3,70722
11 1,06122 1,12584 1,26591 1,42164 1,99915 3,83586 1,06607 1,13609 1,28881 1,45997 2,10485 4,22623
12 1,06697 1,13803 1,29333 1,46785 2,12910 4,33452 1,07229 1,14934 1,31888 1,51107 2,25219 4,81790
13 1,07275 1,15036 1,32136 1,51555 2,26749 4,89801 1,07855 1,16275 1,34965 1,56396 2,40985 5,49241
14 1,07856 1,16282 1,34999 1,56481 2,41487 5,53475 1,08484 1,17632 1,38115 1,61869 2,57853 6,26135
15 1,08440 1,17542 1,37924 1,61566 2,57184 6,25427 1,09116 1,19004 1,41337 1,67535 2,75903 7,13794
16 1,09028 1,18815 1,40912 1,66817 2,73901 7,06733 1,09753 1,20392 1,44635 1,73399 2,95216 8,13725
17 1,09618 1,20103 1,43965 1,72239 2,91705 7,98608 1,10393 1,21797 1,48010 1,79468 3,15882 9,27646
18 1,10212 1,21404 1,47084 1,77837 3,10665 9,02427 1,11037 1,23218 1,51464 1,85749 3,37993 10,57517
19 1,10809 1,22719 1,47084 1,83616 3,30859 10,19742 1,11685 1,24655 1,54998 1,92250 3,61653 12,05569
20 1,11409 1,24048 1,53527 1,89584 3,52365 11,52309 1,12336 1,26110 1,58614 1,98979 3,86968 13,74349
21 1,12013 1,25392 1,56853 1,95745 3,75268 13,02109 1,12992 1,27581 1,62315 2,05943 4,14056 15,66758
22 1,12620 1,26751 1,60252 2,02107 3,99661 14,71383 1,13651 1,29070 1,66103 2,13151 4,43040 17,86104
23 1,13230 1,28124 1,63724 2,08675 4,25639 16,62663 1,14314 1,30575 1,69978 2,20611 4,74053 20,36158
24 1,13843 1,29512 1,67271 2,15457 4,53305 18,78809 1,14981 1,32099 1,73945 2,28333 5,07237 23,21221
25 1,14460 1,30915 1,70895 2,22460 4,82770 21,23054 1,15651 1,33640 1,78003 2,36324 5,42743 26,46192
26 1,15080 1,32333 1,74598 2,29690 5,14150 23,99051 1,16326 1,35199 1,82157 2,44596 5,80735 30,16658
27 1,15703 1,33767 1,78381 2,37155 5,47570 27,10928 1,17005 1,36776 1,86407 2,53157 6,21387 34,38991
28 1,16330 1,35216 1,82246 2,44862 5,83162 30,63349 1,17687 1,38372 1,90757 2,62017 6,64884 39,20449
29 1,16960 1,36681 1,86195 2,52820 6,21067 34,61584 1,18374 1,39986 1,95208 2,71188 7,11426 44,69312
30 1,17593 1,38161 1,90229 2,61037 6,61437 39,11590 1,19064 1,41620 1,99762 2,80679 7,61226 50,95016
31 1,18230 1,39658 1,94351 2,69521 7,04430 44,20096 1,19759 1,43272 2,04423 2,90503 8,14511 58,08318
32 1,18871 1,41171 1,98562 2,78280 7,50218 49,94709 1,20457 1,44943 2,09193 3,00671 8,71527 66,21483
33 1,19515 1,42700 2,02864 2,87324 7,98982 56,44021 1,21160 1,46634 2,14075 3,11194 9,32534 75,48490
34 1,20162 1,44246 2,07259 2,96662 8,50916 63,77744 1,21867 1,48345 2,19070 3,22086 9,97811 86,05279
35 1,20813 1,45809 2,11750 3,06304 9,06225 72,06851 1,22578 1,50076 2,24181 3,33359 10,67658 ---
36 1,21467 1,47389 2,16338 3,16258 9,65130 81,43741 1,23293 1,51827 2,29412 3,45027 11,42394 ---
37 1,22125 1,48985 2,21025 3,26537 10,27864 --- 1,24012 1,53598 2,34765 3,57103 12,22362 ---
38 1,22787 1,50599 2,25814 3,37149 10,94675 --- 1,24735 1,55390 2,40243 3,69601 13,07927 ---
39 1,23452 1,52231 2,30706 3,48107 11,65829 --- 1,25463 1,57203 2,45849 3,82537 13,99482 ---
40 1,24120 1,53880 2,35705 3,59420 12,41607 --- 1,26195 1,59037 2,51585 3,95926 14,97446 ---
41 1,24793 1,55547 2,40812 3,71101 13,22312 --- 1,26931 1,60892 2,57455 4,09783 16,02267 ---
42 1,25469 1,57232 2,46030 3,83162 14,08262 --- 1,27671 1,62769 2,63463 4,24126 17,14426 ---
43 1,26148 1,58935 2,51360 3,95615 14,99799 --- 1,28416 1,64668 2,69610 4,38970 18,34435 ---
44 1,26832 1,60657 2,56806 4,08472 15,97286 --- 1,29165 1,66589 2,75901 4,54334 19,62846 ---
45 1,27519 1,62398 2,62371 4,21748 17,01110 --- 1,29919 1,68533 2,82339 4,70236 21,00245 ---

z2 9 8 z
 WA LT E R C É S P E D E S R A M Í R E Z

Tabla 2 (Continuación) Del 15% y 16% anual

CÁLCULO DEL MONTO CON INTERÉS COMPUESTO
Factor: (1 + i) n
Instrucciones: Cuando la capitalización es quincenal el estudiante tomará la columna 24 ; si es
trimestral tomará la columna 4, etc. de la tasa anual dada.

15 % según el número de capitalizaciones por año 16 % según el número de capitalizaciones por año
n 24 12 6 4 2 1 24 12 6 4 2 1
01 1,00625 1,01250 1,02500 1,03750 1,07500 1,15000 1,00667 1,01333 1,02667 1,04000 1,08000 1,16000
02 1,01254 1,02516 1,05063 1,07641 1,15563 1,32250 1,01338 1,02684 1,05404 1,08160 1,16640 1,34560
03 1,01887 1,03797 1,07689 1,11677 1,24230 1,52088 1,02013 1,04054 1,08215 1,12486 1,25971 1,56090
04 1,02524 1,05095 1,10381 1,15865 1,33547 1,74901 1,02693 1,05441 1,11101 1,16986 1,36049 1,81064
05 1,03164 1,06408 1,13141 1,20210 1,43563 2,01136 1,03378 1,06847 1,14064 1,21665 1,46933 2,10034
06 1,03809 1,07738 1,15969 1,24718 1,54330 2,31306 1,04067 1,08271 1,17105 1,26532 1,58687 2,43640
07 1,04458 1,09085 1,18869 1,29395 1,65905 2,66002 1,04761 1,09715 1,20228 1,31593 1,71382 2,82622
08 1,05111 1,10449 1,21840 1,34247 1,78348 3,05902 1,05459 1,11178 1,23434 1,36857 1,85093 3,27841
09 1,05768 1,11829 1,24886 1,39281 1,91724 3,51788 1,06163 1,12660 1,26726 1,42331 1,99900 3,80296
10 1,06429 1,13227 1,28008 1,44504 2,06103 4,04556 1,06870 1,14162 1,30105 1,48024 2,15892 4,41144
11 1,07094 1,14642 1,31209 1,49923 2,21561 4,65239 1,07583 1,15685 1,33575 1,53945 2,33164 5,11726
12 1,07763 1,16075 1,34489 1,55545 2,38178 5,35025 1,08300 1,17227 1,37137 1,60103 2,51817 5,93603
13 1,08437 1,17526 1,37851 1,61378 2,56041 6,15279 1,09022 1,18790 1,40794 1,66507 2,71962 6,88579
14 1,09115 1,18995 1,41297 1,67430 2,75244 7,07571 1,09749 1,20374 1,44548 1,73168 2,93719 7,98752
15 1,09796 1,20483 1,44830 1,73709 2,95888 8,13706 1,10480 1,21979 1,48403 1,80094 3,17217 9,26552
16 1,10483 1,21989 1,48451 1,80223 3,18079 9,35762 1,11217 1,23605 1,52360 1,87298 3,42594 10,74800
17 1,11173 1,23514 1,52162 1,86981 3,41935 10,76126 1,11958 1,25253 1,56423 1,94790 3,70002 12,46768
18 1,11868 1,25058 1,55966 1,93993 3,67580 12,37545 1,12705 1,26923 1,60594 2,02582 3,99602 14,46251
19 1,12567 1,26621 1,55966 2,01268 3,95149 14,23177 1,13456 1,28616 1,64877 2,10685 4,31570 16,77652
20 1,13271 1,28204 1,63862 2,08815 4,24785 16,36654 1,14213 1,30331 1,69274 2,19112 4,66096 19,46076
21 1,13979 1,29806 1,67958 2,16646 4,56644 18,82152 1,14974 1,32068 1,73788 2,27877 5,03383 22,57448
22 1,14691 1,31429 1,72157 2,24770 4,90892 21,64475 1,15740 1,33829 1,78422 2,36992 5,43654 26,18640
23 1,15408 1,33072 1,76461 2,33199 5,27709 24,89146 1,16512 1,35614 1,83180 2,46472 5,87146 30,37622
24 1,16129 1,34735 1,80873 2,41944 5,67287 28,62518 1,17289 1,37422 1,88065 2,56330 6,34118 35,23642
25 1,16855 1,36419 1,85394 2,51017 6,09834 32,91895 1,18071 1,39254 1,93080 2,66584 6,84848 40,87424
26 1,17585 1,38125 1,90029 2,60430 6,55572 37,85680 1,18858 1,41111 1,98228 2,77247 7,39635 47,41412
27 1,18320 1,39851 1,94780 2,70196 7,04739 43,53531 1,19650 1,42992 2,03515 2,88337 7,98806 55,00038
28 1,19060 1,41599 1,99650 2,80328 7,57595 50,06561 1,20448 1,44899 2,08942 2,99870 8,62711 63,80044
29 1,19804 1,43369 2,04641 2,90841 8,14414 57,57545 1,21251 1,46831 2,14513 3,11865 9,31727 74,00851
30 1,20553 1,45161 2,09757 3,01747 8,75496 66,21177 1,22059 1,48789 2,20234 3,24340 10,06266 ---
31 1,21306 1,46976 2,15001 3,13063 9,41158 76,14354 1,22873 1,50773 2,26107 3,37313 10,86767 ---
32 1,22064 1,48813 2,20376 3,24803 10,11745 --- 1,23692 1,52783 2,32136 3,50806 11,73708 ---
33 1,22827 1,50673 2,25885 3,36983 10,87625 --- 1,24517 1,54820 2,38326 3,64838 12,67605 ---
34 1,23595 1,52557 2,31532 3,49619 11,69197 --- 1,25347 1,56884 2,44682 3,79432 13,69013 ---
35 1,24367 1,54464 2,37321 3,62730 12,56887 --- 1,26182 1,58976 2,51207 3,94609 14,78534 ---
36 1,25145 1,56394 2,43254 3,76333 13,51154 --- 1,27024 1,61096 2,57906 4,10393 15,96817 ---
37 1,25927 1,58349 2,49335 3,90445 14,52490 --- 1,27871 1,63244 2,64783 4,26809 17,24563 ---
38 1,26714 1,60329 2,55568 4,05087 15,61427 --- 1,28723 1,65420 2,71844 4,43881 18,62528 ---
39 1,27506 1,62333 2,61957 4,20277 16,78534 --- 1,29581 1,67626 2,79093 4,61637 20,11530 ---
40 1,28303 1,64362 2,68506 4,36038 18,04424 --- 1,30445 1,69861 2,86536 4,80102 21,72452 ---
41 1,29105 1,66416 2,75219 4,52389 19,39756 --- 1,31315 1,72126 2,94176 4,99306 23,46248 ---
42 1,29911 1,68497 2,82100 4,69354 20,85237 --- 1,32190 1,74421 3,02021 5,19278 25,33948 ---
43 1,30723 1,70603 2,89152 4,86955 22,41630 --- 1,33071 1,76746 3,10075 5,40050 27,36664 ---
44 1,31540 1,72735 2,96381 5,05215 24,09752 --- 1,33959 1,79103 3,18344 5,61652 29,55597 ---
45 1,32363 1,74895 3,03790 5,24161 25,90484 --- 1,34852 1,81491 3,26833 5,84118 31,92045 ---

z2 9 9 z
 M AT E M Á T I C A F I N A N C I E R A Y A C T U A R I A L

Tabla 2 (Continuación) Del 17% y 18% anual

CÁLCULO DEL MONTO CON INTERÉS COMPUESTO
Factor: (1 + i) n
Instrucciones: Cuando la capitalización es quincenal el estudiante tomará la columna 24 ; si es
trimestral tomará la columna 4, etc. de la tasa anual dada.

17 % según el número de capitalizaciones por año 18 % según el número de capitalizaciones por año
n 24 12 6 4 2 1 24 12 6 4 2 1
01 1,00708 1,01417 1,02833 1,04250 1,08500 1,17000 1,00750 1,01500 1,03000 1,04500 1,09000 1,18000
02 1,01422 1,02853 1,05747 1,08681 1,17723 1,36890 1,01506 1,03023 1,06090 1,09203 1,18810 1,39240
03 1,02140 1,04310 1,08743 1,13300 1,27729 1,60161 1,02267 1,04568 1,09273 1,14117 1,29503 1,64303
04 1,02864 1,05788 1,11824 1,18115 1,38586 1,87389 1,03034 1,06136 1,12551 1,19252 1,41158 1,93878
05 1,03592 1,07287 1,14993 1,23135 1,50366 2,19245 1,03807 1,07728 1,15927 1,24618 1,53862 2,28776
06 1,04326 1,08807 1,18251 1,28368 1,63147 2,56516 1,04585 1,09344 1,19405 1,30226 1,67710 2,69955
07 1,05065 1,10348 1,21601 1,33824 1,77014 3,00124 1,05370 1,10984 1,22987 1,36086 1,82804 3,18547
08 1,05809 1,11911 1,25046 1,39511 1,92060 3,51145 1,06160 1,12649 1,26677 1,42210 1,99256 3,75886
09 1,06559 1,13497 1,28589 1,45440 2,08386 4,10840 1,06956 1,14339 1,30477 1,48610 2,17189 4,43545
10 1,07313 1,15105 1,32233 1,51621 2,26098 4,80683 1,07758 1,16054 1,34392 1,55297 2,36736 5,23384
11 1,08074 1,16735 1,35979 1,58065 2,45317 5,62399 1,08566 1,17795 1,38423 1,62285 2,58043 6,17593
12 1,08839 1,18389 1,39832 1,64783 2,66169 6,58007 1,09381 1,19562 1,42576 1,69588 2,81266 7,28759
13 1,09610 1,20066 1,43794 1,71786 2,88793 7,69868 1,10201 1,21355 1,46853 1,77220 3,06580 8,59936
14 1,10386 1,21767 1,47868 1,79087 3,13340 9,00745 1,11028 1,23176 1,51259 1,85194 3,34173 10,14724
15 1,11168 1,23492 1,52058 1,86699 3,39974 10,53872 1,11860 1,25023 1,55797 1,93528 3,64248 11,97375
16 1,11956 1,25242 1,56366 1,94633 3,68872 12,33030 1,12699 1,26899 1,60471 2,02237 3,97031 14,12902
17 1,12749 1,27016 1,60796 2,02905 4,00226 14,42646 1,13544 1,28802 1,65285 2,11338 4,32763 16,67225
18 1,13547 1,28815 1,65352 2,11529 4,34245 16,87895 1,14396 1,30734 1,70243 2,20848 4,71712 19,67325
19 1,14352 1,30640 1,65352 2,20519 4,71156 19,74838 1,15254 1,32695 1,75351 2,30786 5,14166 23,21444
20 1,15162 1,32491 1,74855 2,29891 5,11205 23,10560 1,16118 1,34686 1,80611 2,41171 5,60441 27,39303
21 1,15977 1,34368 1,79809 2,39661 5,54657 27,03355 1,16989 1,36706 1,86029 2,52024 6,10881 32,32378
22 1,16799 1,36272 1,84904 2,49847 6,01803 31,62925 1,17867 1,38756 1,91610 2,63365 6,65860 38,14206
23 1,17626 1,38202 1,90143 2,60465 6,52956 37,00623 1,18751 1,40838 1,97359 2,75217 7,25787 45,00763
24 1,18459 1,40160 1,95530 2,71535 7,08457 43,29729 1,19641 1,42950 2,03279 2,87601 7,91108 53,10901
25 1,19299 1,42146 2,01070 2,83075 7,68676 50,65783 1,20539 1,45095 2,09378 3,00543 8,62308 62,66863
26 1,20144 1,44159 2,06767 2,95106 8,34014 59,26966 1,21443 1,47271 2,15659 3,14068 9,39916 73,94898
27 1,20995 1,46202 2,12626 3,07648 9,04905 69,34550 1,22354 1,49480 2,22129 3,28201 10,24508 ---
28 1,21852 1,48273 2,18650 3,20723 9,81822 81,13423 1,23271 1,51722 2,28793 3,42970 11,16714 ---
29 1,22715 1,50373 2,24845 3,34353 10,65277 --- 1,24196 1,53998 2,35657 3,58404 12,17218 ---
30 1,23584 1,52504 2,31216 3,48564 11,55825 --- 1,25127 1,56308 2,42726 3,74532 13,26768 ---
31 1,24459 1,54664 2,37767 3,63377 12,54070 --- 1,26066 1,58653 2,50008 3,91386 14,46177 ---
32 1,25341 1,56855 2,44504 3,78821 13,60666 --- 1,27011 1,61032 2,57508 4,08998 15,76333 ---
33 1,26229 1,59077 2,51431 3,94921 14,76323 --- 1,27964 1,63448 2,65234 4,27403 17,18203 ---
34 1,27123 1,61331 2,58555 4,11705 16,01810 --- 1,28923 1,65900 2,73191 4,46636 18,72841 ---
35 1,28023 1,63616 2,65881 4,29202 17,37964 --- 1,29890 1,68388 2,81386 4,66735 20,41397 ---
36 1,28930 1,65934 2,73414 4,47444 18,85691 --- 1,30865 1,70914 2,89828 4,87738 22,25123 ---
37 1,29843 1,68285 2,81161 4,66460 20,45975 --- 1,31846 1,73478 2,98523 5,09686 24,25384 ---
38 1,30763 1,70669 2,89127 4,86284 22,19883 --- 1,32835 1,76080 3,07478 5,32622 26,43668 ---
39 1,31689 1,73087 2,97319 5,06952 24,08573 --- 1,33831 1,78721 3,16703 5,56590 28,81598 ---
40 1,32622 1,75539 3,05743 5,28497 26,13302 --- 1,34835 1,81402 3,26204 5,81636 31,40942 ---
41 1,33562 1,78026 3,14406 5,50958 28,35432 --- 1,35846 1,84123 3,35990 6,07810 34,23627 ---
42 1,34508 1,80548 3,23314 5,74374 30,76444 --- 1,36865 1,86885 3,46070 6,35162 37,31753 ---
43 1,35460 1,83105 3,32474 5,98785 33,37942 --- 1,37891 1,89688 3,56452 6,63744 40,67611 ---
44 1,36420 1,85699 3,41895 6,24233 36,21667 --- 1,38926 1,92533 3,67145 6,93612 44,33696 ---
45 1,37386 1,88330 3,51582 6,5 0763 39,29508 --- 1,39968 1,95421 3,78160 7,24825 48,32729 ---

z3 0 0 z
 WA LT E R C É S P E D E S R A M Í R E Z

Tabla 2 (Continuación) Del 19% y 20% anual

CÁLCULO DEL MONTO CON INTERÉS COMPUESTO
Factor: (1 + i) n
Instrucciones: Cuando la capitalización es quincenal el estudiante tomará la columna 24 ; si es
trimestral tomará la columna 4, etc. de la tasa anual dada.

19 % según el número de capitalizaciones por año 20 % según el número de capitalizaciones por año
n 24 12 6 4 2 1 24 12 6 4 2 1
01 1,00792 1,01583 1,03167 1,04750 1,09500 1,19000 1,00833 1,01667 1,03333 1,05000 1,10000 1,20000
02 1,01590 1,03192 1,06434 1,09726 1,19903 1,41610 1,01674 1,03361 1,06778 1,10250 1,21000 1,44000
03 1,02394 1,04826 1,09804 1,14938 1,31293 1,68516 1,02521 1,05084 1,10337 1,15763 1,33100 1,72800
04 1,03204 1,06485 1,13281 1,20397 1,43766 2,00534 1,03375 1,06835 1,14015 1,21551 1,46410 2,07360
05 1,04022 1,08171 1,16868 1,26116 1,57424 2,38635 1,04237 1,08616 1,17815 1,27628 1,61051 2,48832
06 1,04845 1,09884 1,20569 1,32107 1,72379 2,83976 1,05105 1,10426 1,21743 1,34010 1,77156 2,98598
07 1,05675 1,11624 1,24387 1,38382 1,88755 3,37932 1,05981 1,12266 1,25801 1,40710 1,94872 3,58318
08 1,06512 1,13391 1,28326 1,44955 2,06687 4,02139 1,06864 1,14138 1,29994 1,47746 2,14359 4,29982
09 1,07355 1,15187 1,32390 1,51840 2,26322 4,78545 1,07755 1,16040 1,34327 1,55133 2,35795 5,15978
10 1,08205 1,17010 1,36582 1,59052 2,47823 5,69468 1,08653 1,17974 1,38805 1,62889 2,59374 6,19174
11 1,09061 1,18863 1,40907 1,66607 2,71366 6,77667 1,09558 1,19940 1,43432 1,71034 2,85312 7,43008
12 1,09925 1,20745 1,45369 1,74521 2,97146 8,06424 1,10471 1,21939 1,48213 1,79586 3,13843 8,91610
13 1,10795 1,22657 1,49973 1,82811 3,25375 9,59645 1,11392 1,23971 1,53153 1,88565 3,45227 10,69932
14 1,11672 1,24599 1,54722 1,91495 3,56285 11,41977 1,12320 1,26038 1,58258 1,97993 3,79750 12,83918
15 1,12556 1,26572 1,59621 2,00591 3,90132 13,58953 1,13256 1,28138 1,63533 2,07893 4,17725 15,40702
16 1,13447 1,28576 1,64676 2,10119 4,27195 16,17154 1,14200 1,30274 1,68985 2,18287 4,59497 18,48843
17 1,14345 1,30612 1,69891 2,20099 4,67778 19,24413 1,15152 1,32445 1,74617 2,29202 5,05447 22,18611
18 1,15251 1,32680 1,75271 2,30554 5,12217 22,90052 1,16111 1,34653 1,80438 2,40662 5,55992 26,62333
19 1,16163 1,34780 1,75271 2,41505 5,60878 27,25162 1,17079 1,36897 1,86453 2,52695 6,11591 31,94800
20 1,17083 1,36914 1,86547 2,52977 6,14161 32,42942 1,18054 1,39178 1,92668 2,65330 6,72750 38,33760
21 1,18010 1,39082 1,92454 2,64993 6,72507 38,59101 1,19038 1,41498 1,99090 2,78596 7,40025 46,00512
22 1,18944 1,41284 1,98549 2,77580 7,36395 45,92331 1,20030 1,43856 2,05726 2,92526 8,14027 55,20614
23 1,19885 1,43521 2,04836 2,90765 8,06352 54,64873 1,21031 1,46254 2,12584 3,07152 8,95430 66,24737
24 1,20835 1,45794 2,11322 3,04577 8,82956 65,03199 1,22039 1,48691 2,19670 3,22510 9,84973 79,49685
25 1,21791 1,48102 2,18014 3,19044 9,66836 77,38807 1,23056 1,51170 2,26992 3,38635 10,83471 ---
26 1,22755 1,50447 2,24918 3,34199 10,58686 --- 1,24082 1,53689 2,34559 3,55567 11,91818 ---
27 1,23727 1,52829 2,32040 3,50073 11,59261 --- 1,25116 1,56251 2,42377 3,73346 13,10999 ---
28 1,24707 1,55249 2,39388 3,66702 12,69391 --- 1,26158 1,58855 2,50456 3,92013 14,42099 ---
29 1,25694 1,57707 2,46969 3,84120 13,89983 --- 1,27210 1,61502 2,58805 4,11614 15,86309 ---
30 1,26689 1,60204 2,54790 4,02366 15,22031 --- 1,28270 1,64194 2,67432 4,32194 17,44940 ---
31 1,27692 1,62741 2,62858 4,21478 16,66624 --- 1,29339 1,66931 2,76346 4,53804 19,19434 ---
32 1,28703 1,65317 2,71182 4,41498 18,24954 --- 1,30416 1,69713 2,85558 4,76494 21,11378 ---
33 1,29722 1,67935 2,79769 4,62469 19,98324 --- 1,31503 1,72541 2,95076 5,00319 23,22515 ---
34 1,30749 1,70594 2,88629 4,84437 21,88165 --- 1,32599 1,75417 3,04912 5,25335 25,54767 ---
35 1,31784 1,73295 2,97769 5,07447 23,96041 --- 1,33704 1,78341 3,15076 5,51602 28,10244 ---
36 1,32827 1,76039 3,07198 5,31551 26,23664 --- 1,34818 1,81313 3,25579 5,79182 30,91268 ---
37 1,33879 1,78826 3,16926 5,56800 28,72913 --- 1,35942 1,84335 3,36431 6,08141 34,00395 ---
38 1,34938 1,81658 3,26962 5,83248 31,45839 --- 1,37075 1,87407 3,47646 6,38548 37,40434 ---
39 1,36007 1,84534 3,37316 6,10952 34,44694 --- 1,38217 1,90531 3,59234 6,70475 41,14478 ---
40 1,37083 1,87456 3,47997 6,39972 37,71940 --- 1,39369 1,93706 3,71208 7,03999 45,25926 ---
41 1,38169 1,90424 3,59017 6,70371 41,30274 --- 1,40530 1,96935 3,83582 7,39199 49,78518 ---
42 1,39263 1,93439 3,70386 7,02214 45,22650 --- 1,41701 2,00217 3,96368 7,76159 54,76370 ---
43 1,40365 1,96501 3,82115 7,35569 49,52302 --- 1,42882 2,03554 4,09580 8,14967 60,24007 ---
44 1,41476 1,99613 3,94215 7,70508 54,22771 --- 1,44073 2,06946 4,23233 8,55715 66,26408 ---
45 1,42596 2,02773 4,06699 8,07108 59,37934 --- 1,45273 2,10395 4,37341 8,98501 72,89048 ---

z3 0 1 z