INTERES SIMPLE

11,000.00 12,000.00 13,000.00

1,000.00 2,000.00 3,000.00
10,000.00 10,000.00 10,000.00 10,000.00
0 1 2 3

INTERES COMPUESTO

11,000.00 12,100.00 13,310.00

1,000.00 1,100.00 1,210.00
10,000.00 10,000.00 11,000.00 12,100.00
0 1 2 3

tiempo Stoc Inicial monto de intereses Stock final

1 10,000.00 1,000.00 11,000.00

2 11,000.00 1,100.00 12,100.00
3 12,100.00 1,210.00 13,310.00
4 13,310.00 1,331.00 14,641.00
5 14,641.00 1,464.10 16,105.10
6 16,105.10 1,610.51 17,715.61
7 17,715.61 1,771.56 19,487.17
8 19,487.17 1,948.72 21,435.89

9 21,435.89 2,143.59 23,579.48

10 23,579.48 2,357.95 25,937.42

15,937.42

tiempo Stoc Inicial monto de Stock final

intereses
1 P P*i P+P*i
2 P * (1+i) P*(1+i) * i P*(1+i) +P(1+i)*i
3 P *(1+i)^2 P*(1+i)^2 *i p*(1+i)^2+ p*(1+i)^2 *i
4 P *(1+i)^3
5 - - -
 6 - - -
7 - - -
8 - - -
9 - - -

P*(1+i)^9 P*(1+i)^9 * i P(1+i)^9 + P(1+i)^9 * i

10

I S=P(1+i)^n
II P=S * 1/(1+i)^n
III I= P(1+i)^n -P
III I= P[(1+i)^n -1]
 10%

14,000.00 15,000.00 16,000.00 17,000.00 18,000.00

4,000.00 5,000.00 6,000.00 7,000.00 8,000.00
10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
4 5 6 7 8

10%

14,641.00 16,105.10 17,715.61 19,487.17 21,435.89

1,331.00 1,464.10 1,610.51 1,771.56 1,948.72
13,310.00 14,641.00 16,105.10 17,715.61 19,487.17
4 5 6 7 8

formula

P*(1+i) +P(1+i)*i
P[(1+i)+(1+i)*i]
P*(1+i)^2

formula
P * (1+i)
P *(1+i)^2
P *(1+i)^3
P*(1+i)^10
19,000.00 20,000.00
9,000.00 10,000.00
10,000.00 10,000.00
9 10

23,579.48 25,937.42
2,143.59 2,357.95
21,435.89 23,579.48
9 10
P 5,840.00

i 3% mensual

n 14 meses

I S=P(1+i)^n
II P=S * 1/(1+i)^n
III I= P[(1+i)^n -1]

S=P(1+i)^n
S=5840 * (1+0.03)^14
S=8833.52

P=S * 1/(1+i)^n
P=8833.523993 * 1/(1+0.03)^14
P=5840

(1+i)^n Factor simple de capitalización

1/(1+i)^n Factor simple de actualización
alización FSC
lización FSA
P 500,000.0000

S 777,115.8491

i 3.20% mensual
n 14 meses
Encontrar valor futuro
S=P(1+i)^n
S=500,000 * (1+0.032)^14
S=777,115.8491

Encontrar valor presente

P=S * 1/(1+i)^n
P=777,115.8491 * 1/ (1+0.032)^14
S=500,000

Encontrar la tasa de interes

S=P(1+i)^n
777115.8491=500,000 * (1+ i)^14
(1+i)^14=1.554231698
(1+i)=(1.554231699)^1/14
i=0.032

Encontrar el tiempo
S=P(1+i)^n
777115.8491=500,000 * (1+ 0.032)^n
(1+0.032)^n=1.554231698
(1.032)^n=1.554231699
n log 1.032=log1.554231699
n=14

Encontrar el monto de intereses

I=P[(1+i)^n-1]
I=500,000 *[(1+ 0.032)^14-1]
I=277,115.8491
 0 1 2 3 4 5
900.00

0 1 2 3 4 5
 3% mensual

1,000.00 730.00
6 7 8 9 10 11 12

730* 1/(1.03^2)=688.09
200* 1/(1.03^6)=167.49
855.58
6 7 8 9 10 11 12
427.79
427.79*(1.03)^4=481.48
 200.00
13 14

13 14
 2000
0 1 2 3 4
5000
cuánto cuesta al contado la maquina

P=S * 1/(1+i)^n
P=2000 * 1/(1+0.03)^3
1830.28
P=3000 * 1/(1+0.03)^7
2439.27
P=5000 * 1/(1+0.03)^10
3720.46

12,990.01

X
0 1 2 3 4
12990.01

P=S * 1/(1+i)^n
12990.01= X * 1/(1+0.03^4 + X * 1/(1+0.03)^
X=7741.84
 3%
3000 5000
5 6 7 8 9 10

X
5 6 7 8 9 10

1/(1+0.03)^8
P 50000
i 3% mensual
n 14meses

I=P*i*n
I=50000*0.03*14=21000

I=P[(1+i)n-1]
21000=50000[(1+i)14-1]
i=0.02536322882

I=50000[(1+0.02536322882)14-1]=21000
 14

interes simple interes compuesto

3.00% 2.536322882%
14

i=(1+i)14-1/n
i=(1+0.02536322882)14-1/14
i=0.03

21000
S=XP encontrar la tasa de
S=P(1+i*n)
P 5000 20000=5000(1+i*2
S 4P 20000 i= 0.107142857
i
n 28 S=P(1+i*n)
S=5000(1+0.10714

encontramos el tiempo
S=P(1+i*n)
P 10000 20000=5000(1+0.0
S XP 30000 n=50
i 4%
n ? S=P(1+i*n)
S=10000(1+0.04*5
trar la tasa de interes simple
+i*n)
0=5000(1+i*28)
07142857

+i*n)
00(1+0.107142857*28)=20000

l tiempo
+i*n)
0=5000(1+0.04*n)

+i*n)
000(1+0.04*50)=30000
cantidad de dias 3/12/2020
2/5/2022 4/15/2022
9/14/2022 764
221
I 27080 monto de intereses del primer mes
n 8meses
i 4%mensual
P
S

S=P(1+i) n

I=P*i monto interes para el primer periodo

I=P[(1+i)n-1]
I=P[1+i-1]
I=P *i
27080=P *0.04
P=27080/0.04=677,000
S=P(1+i)n
S=677000(1+0.04)8=926521.25
mer mes
PROBLEMA TRES

0 1 2 3 4 5

8,000.00 P = S/(1+i)n
P = 9000/(1+0.03)6 = 7,537.35
P = 7000/(1+0.03)10 = 5,208.66
P = 2000/(1+0.03)15 = 1,283.72

22,029.73

0 1 2 3 4 5
22,029.73

S=P(1+i)n
S=22029.73(1+0.03)9
 TASA INTERES 3%

9000 7000
6 7 8 9 10 11 12

MITAD DE LA DEUDA
6 7 8 9 10 11 12
28,743.80

PRIMER PAGO 14,371.90 S=P(1+i)n

14,371.90 S=14371.90(1+0.0
16,175.70
 2000
13 14 15

OTRA MITAD CAPITALIZADA

13

4371.90(1+0.03)4
SEGUNDO PAGO
PROBLEMA 04
TASA DE INTERES

130,000.00
0 1 2 3 4

P=130000/(1.0375)3 +130000/(1.0375)8=213,243.45

TASA DE INTERES

150000
0 1 2 3 4

P=150000/(1.038)4+110000/(1.038)8=210,834.95
ASA DE INTERES 3.75%

130,000.00
5 6 7 8

13,243.45

ASA DE INTERES 3.80%

110000
5 6 7 8

ESTO ME CONVIENE
PROBLEMA 05

0 1 2 3 4 5
400,000.00

9.50%

- 80,000.00 -120,000.00

0 1 2 3 4 5
400,000.00

400000*(1.0950)3 = 525,172.95
80,000.00
445,172.95
445172.95*(1.095) =

S=P(1+i)X
910660=367275(1+0.095)X
X=10
n=4+10=14
 9.50% TASA DE INTERES TRIMESTRAL

80,000.00 120,000.00
6 7 8 9 10 11 12

910,660.00

6 7 ?

910660
487,275.00 367275
120,000.00 9.50%
367,275.00
10.0056757
MESES