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i= 0.25% Flujo de efectivo discreto: factores de interés compuesto 0.

25%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0025 0.9975 1.0000 1.0000 1.0025 0.9975 0.0000 0.0000 0.0000
2 1.0050 0.9950 0.4994 2.0025 0.5019 1.9925 0.9950 0.4994 1.0000
3 1.0075 0.9925 0.3325 3.0075 0.3350 2.9851 2.9801 0.9983 3.0025
4 1.0100 0.9901 0.2491 4.0150 0.2516 3.9751 5.9503 1.4969 6.0100
5 1.0126 0.9876 0.1990 5.0251 0.2015 4.9627 9.9007 1.9950 10.0250
6 1.0151 0.9851 0.1656 6.0376 0.1681 5.9478 14.8263 2.4927 15.0501
7 1.0176 0.9827 0.1418 7.0527 0.1443 6.9305 20.7223 2.9900 21.0877
8 1.0202 0.9802 0.1239 8.0704 0.1264 7.9107 27.5839 3.4869 28.1404
9 1.0227 0.9778 0.1100 9.0905 0.1125 8.8885 35.4061 3.9834 36.2108
10 1.0253 0.9753 0.0989 10.1133 0.1014 9.8639 44.1842 4.4794 45.3013
11 1.0278 0.9729 0.0898 11.1385 0.0923 10.8368 53.9133 4.9750 55.4146
12 1.0304 0.9705 0.0822 12.1664 0.0847 11.8073 64.5886 5.4702 66.5531
13 1.0330 0.9681 0.0758 13.1968 0.0783 12.7753 76.2053 5.9650 78.7195
14 1.0356 0.9656 0.0703 14.2298 0.0728 13.7410 88.7587 6.4594 91.9163
15 1.0382 0.9632 0.0655 15.2654 0.0680 14.7042 102.2441 6.9534 106.1461
16 1.0408 0.9608 0.0613 16.3035 0.0638 15.6650 116.6567 7.4469 121.4114
17 1.0434 0.9584 0.0577 17.3443 0.0602 16.6235 131.9917 7.9401 137.7150
18 1.0460 0.9561 0.0544 18.3876 0.0569 17.5795 148.2446 8.4328 155.0593
19 1.0486 0.9537 0.0515 19.4336 0.0540 18.5332 165.4106 8.9251 173.4469
20 1.0512 0.9513 0.0488 20.4822 0.0513 19.4845 183.4851 9.4170 192.8805
21 1.0538 0.9489 0.0464 21.5334 0.0489 20.4334 202.4634 9.9085 213.3627
22 1.0565 0.9466 0.0443 22.5872 0.0468 21.3800 222.3410 10.3995 234.8961
23 1.0591 0.9442 0.0423 23.6437 0.0448 22.3241 243.1131 10.8901 257.4834
24 1.0618 0.9418 0.0405 24.7028 0.0430 23.2660 264.7753 11.3804 281.1271
25 1.0644 0.9395 0.0388 25.7646 0.0413 24.2055 287.3230 11.8702 305.8299
26 1.0671 0.9371 0.0373 26.8290 0.0398 25.1426 310.7516 12.3596 331.5945
27 1.0697 0.9348 0.0358 27.8961 0.0383 26.0774 335.0566 12.8485 358.4235
28 1.0724 0.9325 0.0345 28.9658 0.0370 27.0099 360.2334 13.3371 386.3195
29 1.0751 0.9301 0.0333 30.0382 0.0358 27.9400 386.2776 13.8252 415.2853
30 1.0778 0.9278 0.0321 31.1133 0.0346 28.8679 413.1847 14.3130 445.3235
31 1.0805 0.9255 0.0311 32.1911 0.0336 29.7934 440.9502 14.8003 476.4368
32 1.0832 0.9232 0.0301 33.2716 0.0326 30.7166 469.5696 15.2872 508.6279
33 1.0859 0.9209 0.0291 34.3547 0.0316 31.6375 499.0386 15.7736 541.8995
34 1.0886 0.9186 0.0282 35.4406 0.0307 32.5561 529.3528 16.2597 576.2543
35 1.0913 0.9163 0.0274 36.5292 0.0299 33.4724 560.5076 16.7454 611.6949
36 1.0941 0.9140 0.0266 37.6206 0.0291 34.3865 592.4988 17.2306 648.2241
37 1.0968 0.9118 0.0258 38.7146 0.0283 35.2982 625.3219 17.7154 685.8447
38 1.0995 0.9095 0.0251 39.8114 0.0276 36.2077 658.9727 18.1998 724.5593
39 1.1023 0.9072 0.0244 40.9109 0.0269 37.1149 693.4468 18.6838 764.3707
40 1.1050 0.9050 0.0238 42.0132 0.0263 38.0199 728.7399 19.1673 805.2816
41 1.1078 0.9027 0.0232 43.1182 0.0257 38.9226 764.8476 19.6505 847.2948
42 1.1106 0.9004 0.0226 44.2260 0.0251 39.8230 801.7658 20.1332 890.4131
43 1.1133 0.8982 0.0221 45.3366 0.0246 40.7212 839.4900 20.6156 934.6391
44 1.1161 0.8960 0.0215 46.4499 0.0240 41.6172 878.0162 21.0975 979.9757
45 1.1189 0.8937 0.0210 47.5661 0.0235 42.5109 917.3400 21.5789 1,026.4256
46 1.1217 0.8915 0.0205 48.6850 0.0230 43.4024 957.4572 22.0600 1,073.9917
47 1.1245 0.8893 0.0201 49.8067 0.0226 44.2916 998.3637 22.5407 1,122.6767
48 1.1273 0.8871 0.0196 50.9312 0.0221 45.1787 1,040.0552 23.0209 1,172.4834
49 1.1301 0.8848 0.0192 52.0585 0.0217 46.0635 1,082.5276 23.5007 1,223.4146
50 1.1330 0.8826 0.0188 53.1887 0.0213 46.9462 1,125.7767 23.9802 1,275.4731
55 1.1472 0.8717 0.0170 58.8819 0.0195 51.3264 1,353.5286 26.3710 1,552.7746
60 1.1616 0.8609 0.0155 64.6467 0.0180 55.6524 1,600.0845 28.7514 1,858.6850
65 1.1762 0.8502 0.0142 70.4839 0.0167 59.9246 1,864.9427 31.1215 2,193.5639
70 1.1910 0.8396 0.0131 76.3944 0.0156 64.1439 2,147.6111 33.4812 2,557.7749
72 1.1969 0.8355 0.0127 78.7794 0.0152 65.8169 2,265.5569 34.4221 2,711.7548
75 1.2059 0.8292 0.0121 82.3792 0.0146 68.3108 2,447.6069 35.8305 2,951.6868
80 1.2211 0.8189 0.0113 88.4392 0.0138 72.4260 2,764.4568 38.1694 3,375.6726
84 1.2334 0.8108 0.0107 93.3419 0.0132 75.6813 3,029.7592 40.0331 3,736.7681
85 1.2364 0.8088 0.0106 94.5753 0.0131 76.4901 3,097.6963 40.4980 3,830.1100
90 1.2520 0.7987 0.0099 100.7885 0.0124 80.5038 3,446.8700 42.8162 4,315.3817
96 1.2709 0.7869 0.0092 108.3474 0.0117 85.2546 3,886.2832 45.5844 4,938.9547
100 1.2836 0.7790 0.0088 113.4500 0.0113 88.3825 4,191.2417 47.4216 5,379.9822
105 1.2998 0.7694 0.0083 119.9003 0.0108 92.2487 4,585.5722 49.7088 5,960.1004
108 1.3095 0.7636 0.0081 123.8093 0.0106 94.5453 4,829.0125 51.0762 6,323.7036
114 1.3293 0.7523 0.0076 131.7157 0.0101 99.0873 5,330.8699 53.7997 7,086.2676
120 1.3494 0.7411 0.0072 139.7414 0.0097 103.5618 5,852.1116 56.5084 7,896.5676

Tablas generadas en Excel Javier Zertuche Garza


i= 0.50% Flujo de efectivo discreto: factores de interés compuesto 0.50%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0050 0.9950 1.0000 1.0000 1.0050 0.9950 0.0000 0.0000 0.0000
2 1.0100 0.9901 0.4988 2.0050 0.5038 1.9851 0.9901 0.4988 1.0000
3 1.0151 0.9851 0.3317 3.0150 0.3367 2.9702 2.9604 0.9967 3.0050
4 1.0202 0.9802 0.2481 4.0301 0.2531 3.9505 5.9011 1.4938 6.0200
5 1.0253 0.9754 0.1980 5.0503 0.2030 4.9259 9.8026 1.9900 10.0501
6 1.0304 0.9705 0.1646 6.0755 0.1696 5.8964 14.6552 2.4855 15.1004
7 1.0355 0.9657 0.1407 7.1059 0.1457 6.8621 20.4493 2.9801 21.1759
8 1.0407 0.9609 0.1228 8.1414 0.1278 7.8230 27.1755 3.4738 28.2818
9 1.0459 0.9561 0.1089 9.1821 0.1139 8.7791 34.8244 3.9668 36.4232
10 1.0511 0.9513 0.0978 10.2280 0.1028 9.7304 43.3865 4.4589 45.6053
11 1.0564 0.9466 0.0887 11.2792 0.0937 10.6770 52.8526 4.9501 55.8333
12 1.0617 0.9419 0.0811 12.3356 0.0861 11.6189 63.2136 5.4406 67.1125
13 1.0670 0.9372 0.0746 13.3972 0.0796 12.5562 74.4602 5.9302 79.4480
14 1.0723 0.9326 0.0691 14.4642 0.0741 13.4887 86.5835 6.4190 92.8453
15 1.0777 0.9279 0.0644 15.5365 0.0694 14.4166 99.5743 6.9069 107.3095
16 1.0831 0.9233 0.0602 16.6142 0.0652 15.3399 113.4238 7.3940 122.8461
17 1.0885 0.9187 0.0565 17.6973 0.0615 16.2586 128.1231 7.8803 139.4603
18 1.0939 0.9141 0.0532 18.7858 0.0582 17.1728 143.6634 8.3658 157.1576
19 1.0994 0.9096 0.0503 19.8797 0.0553 18.0824 160.0360 8.8504 175.9434
20 1.1049 0.9051 0.0477 20.9791 0.0527 18.9874 177.2322 9.3342 195.8231
21 1.1104 0.9006 0.0453 22.0840 0.0503 19.8880 195.2434 9.8172 216.8022
22 1.1160 0.8961 0.0431 23.1944 0.0481 20.7841 214.0611 10.2993 238.8862
23 1.1216 0.8916 0.0411 24.3104 0.0461 21.6757 233.6768 10.7806 262.0806
24 1.1272 0.8872 0.0393 25.4320 0.0443 22.5629 254.0820 11.2611 286.3910
25 1.1328 0.8828 0.0377 26.5591 0.0427 23.4456 275.2686 11.7407 311.8230
26 1.1385 0.8784 0.0361 27.6919 0.0411 24.3240 297.2281 12.2195 338.3821
27 1.1442 0.8740 0.0347 28.8304 0.0397 25.1980 319.9523 12.6975 366.0740
28 1.1499 0.8697 0.0334 29.9745 0.0384 26.0677 343.4332 13.1747 394.9044
29 1.1556 0.8653 0.0321 31.1244 0.0371 26.9330 367.6625 13.6510 424.8789
30 1.1614 0.8610 0.0310 32.2800 0.0360 27.7941 392.6324 14.1265 456.0033
31 1.1672 0.8567 0.0299 33.4414 0.0349 28.6508 418.3348 14.6012 488.2833
32 1.1730 0.8525 0.0289 34.6086 0.0339 29.5033 444.7618 15.0750 521.7247
33 1.1789 0.8482 0.0279 35.7817 0.0329 30.3515 471.9055 15.5480 556.3334
34 1.1848 0.8440 0.0271 36.9606 0.0321 31.1955 499.7583 16.0202 592.1150
35 1.1907 0.8398 0.0262 38.1454 0.0312 32.0354 528.3123 16.4915 629.0756
36 1.1967 0.8356 0.0254 39.3361 0.0304 32.8710 557.5598 16.9621 667.2210
37 1.2027 0.8315 0.0247 40.5328 0.0297 33.7025 587.4934 17.4317 706.5571
38 1.2087 0.8274 0.0240 41.7354 0.0290 34.5299 618.1054 17.9006 747.0899
39 1.2147 0.8232 0.0233 42.9441 0.0283 35.3531 649.3883 18.3686 788.8253
40 1.2208 0.8191 0.0226 44.1588 0.0276 36.1722 681.3347 18.8359 831.7695
41 1.2269 0.8151 0.0220 45.3796 0.0270 36.9873 713.9372 19.3022 875.9283
42 1.2330 0.8110 0.0215 46.6065 0.0265 37.7983 747.1886 19.7678 921.3079
43 1.2392 0.8070 0.0209 47.8396 0.0259 38.6053 781.0815 20.2325 967.9145
44 1.2454 0.8030 0.0204 49.0788 0.0254 39.4082 815.6087 20.6964 1,015.7541
45 1.2516 0.7990 0.0199 50.3242 0.0249 40.2072 850.7631 21.1595 1,064.8328
46 1.2579 0.7950 0.0194 51.5758 0.0244 41.0022 886.5376 21.6217 1,115.1570
47 1.2642 0.7910 0.0189 52.8337 0.0239 41.7932 922.9252 22.0831 1,166.7328
48 1.2705 0.7871 0.0185 54.0978 0.0235 42.5803 959.9188 22.5437 1,219.5664
49 1.2768 0.7832 0.0181 55.3683 0.0231 43.3635 997.5116 23.0035 1,273.6643
50 1.2832 0.7793 0.0177 56.6452 0.0227 44.1428 1,035.6966 23.4624 1,329.0326
55 1.3156 0.7601 0.0158 63.1258 0.0208 47.9814 1,235.2686 25.7447 1,625.1550
60 1.3489 0.7414 0.0143 69.7700 0.0193 51.7256 1,448.6458 28.0064 1,954.0061
65 1.3829 0.7231 0.0131 76.5821 0.0181 55.3775 1,675.0272 30.2475 2,316.4124
70 1.4178 0.7053 0.0120 83.5661 0.0170 58.9394 1,913.6427 32.4680 2,713.2211
72 1.4320 0.6983 0.0116 86.4089 0.0166 60.3395 2,012.3478 33.3504 2,881.7711
75 1.4536 0.6879 0.0110 90.7265 0.0160 62.4136 2,163.7525 34.6679 3,145.3010
80 1.4903 0.6710 0.0102 98.0677 0.0152 65.8023 2,424.6455 36.8474 3,613.5427
84 1.5204 0.6577 0.0096 104.0739 0.0146 68.4530 2,640.6641 38.5763 4,014.7854
85 1.5280 0.6545 0.0095 105.5943 0.0145 69.1075 2,695.6389 39.0065 4,118.8594
90 1.5666 0.6383 0.0088 113.3109 0.0138 72.3313 2,976.0769 41.1451 4,662.1872
96 1.6141 0.6195 0.0081 122.8285 0.0131 76.0952 3,324.1846 43.6845 5,365.7083
100 1.6467 0.6073 0.0077 129.3337 0.0127 78.5426 3,562.7934 45.3613 5,866.7397
105 1.6882 0.5923 0.0073 137.6498 0.0123 81.5341 3,867.8878 47.4389 6,529.9574
108 1.7137 0.5835 0.0070 142.7399 0.0120 83.2934 4,054.3747 48.6758 6,947.9800
114 1.7658 0.5663 0.0065 153.1515 0.0115 86.7342 4,434.5258 51.1278 7,830.2969
120 1.8194 0.5496 0.0061 163.8793 0.0111 90.0735 4,823.5051 53.5508 8,775.8694

Tablas generadas en Excel Javier Zertuche Garza


i= 0.75% Flujo de efectivo discreto: factores de interés compuesto 0.75%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0075 0.9926 1.0000 1.0000 1.0075 0.9926 0.0000 0.0000 0.0000
2 1.0151 0.9852 0.4981 2.0075 0.5056 1.9777 0.9852 0.4981 1.0000
3 1.0227 0.9778 0.3308 3.0226 0.3383 2.9556 2.9408 0.9950 3.0075
4 1.0303 0.9706 0.2472 4.0452 0.2547 3.9261 5.8525 1.4907 6.0301
5 1.0381 0.9633 0.1970 5.0756 0.2045 4.8894 9.7058 1.9851 10.0753
6 1.0459 0.9562 0.1636 6.1136 0.1711 5.8456 14.4866 2.4782 15.1508
7 1.0537 0.9490 0.1397 7.1595 0.1472 6.7946 20.1808 2.9701 21.2645
8 1.0616 0.9420 0.1218 8.2132 0.1293 7.7366 26.7747 3.4608 28.4240
9 1.0696 0.9350 0.1078 9.2748 0.1153 8.6716 34.2544 3.9502 36.6371
10 1.0776 0.9280 0.0967 10.3443 0.1042 9.5996 42.6064 4.4384 45.9119
11 1.0857 0.9211 0.0876 11.4219 0.0951 10.5207 51.8174 4.9253 56.2563
12 1.0938 0.9142 0.0800 12.5076 0.0875 11.4349 61.8740 5.4110 67.6782
13 1.1020 0.9074 0.0735 13.6014 0.0810 12.3423 72.7632 5.8954 80.1858
14 1.1103 0.9007 0.0680 14.7034 0.0755 13.2430 84.4720 6.3786 93.7872
15 1.1186 0.8940 0.0632 15.8137 0.0707 14.1370 96.9876 6.8606 108.4906
16 1.1270 0.8873 0.0591 16.9323 0.0666 15.0243 110.2973 7.3413 124.3042
17 1.1354 0.8807 0.0554 18.0593 0.0629 15.9050 124.3887 7.8207 141.2365
18 1.1440 0.8742 0.0521 19.1947 0.0596 16.7792 139.2494 8.2989 159.2958
19 1.1525 0.8676 0.0492 20.3387 0.0567 17.6468 154.8671 8.7759 178.4905
20 1.1612 0.8612 0.0465 21.4912 0.0540 18.5080 171.2297 9.2516 198.8292
21 1.1699 0.8548 0.0441 22.6524 0.0516 19.3628 188.3253 9.7261 220.3204
22 1.1787 0.8484 0.0420 23.8223 0.0495 20.2112 206.1420 10.1994 242.9728
23 1.1875 0.8421 0.0400 25.0010 0.0475 21.0533 224.6682 10.6714 266.7951
24 1.1964 0.8358 0.0382 26.1885 0.0457 21.8891 243.8923 11.1422 291.7961
25 1.2054 0.8296 0.0365 27.3849 0.0440 22.7188 263.8029 11.6117 317.9845
26 1.2144 0.8234 0.0350 28.5903 0.0425 23.5422 284.3888 12.0800 345.3694
27 1.2235 0.8173 0.0336 29.8047 0.0411 24.3595 305.6387 12.5470 373.9597
28 1.2327 0.8112 0.0322 31.0282 0.0397 25.1707 327.5416 13.0128 403.7644
29 1.2420 0.8052 0.0310 32.2609 0.0385 25.9759 350.0867 13.4774 434.7926
30 1.2513 0.7992 0.0298 33.5029 0.0373 26.7751 373.2631 13.9407 467.0536
31 1.2607 0.7932 0.0288 34.7542 0.0363 27.5683 397.0602 14.4028 500.5565
32 1.2701 0.7873 0.0278 36.0148 0.0353 28.3557 421.4675 14.8636 535.3107
33 1.2796 0.7815 0.0268 37.2849 0.0343 29.1371 446.4746 15.3232 571.3255
34 1.2892 0.7757 0.0259 38.5646 0.0334 29.9128 472.0712 15.7816 608.6104
35 1.2989 0.7699 0.0251 39.8538 0.0326 30.6827 498.2471 16.2387 647.1750
36 1.3086 0.7641 0.0243 41.1527 0.0318 31.4468 524.9924 16.6946 687.0288
37 1.3185 0.7585 0.0236 42.4614 0.0311 32.2053 552.2969 17.1493 728.1815
38 1.3283 0.7528 0.0228 43.7798 0.0303 32.9581 580.1511 17.6027 770.6429
39 1.3383 0.7472 0.0222 45.1082 0.0297 33.7053 608.5451 18.0549 814.4227
40 1.3483 0.7416 0.0215 46.4465 0.0290 34.4469 637.4693 18.5058 859.5309
41 1.3585 0.7361 0.0209 47.7948 0.0284 35.1831 666.9144 18.9556 905.9774
42 1.3686 0.7306 0.0203 49.1533 0.0278 35.9137 696.8709 19.4040 953.7722
43 1.3789 0.7252 0.0198 50.5219 0.0273 36.6389 727.3297 19.8513 1,002.9255
44 1.3893 0.7198 0.0193 51.9009 0.0268 37.3587 758.2815 20.2973 1,053.4474
45 1.3997 0.7145 0.0188 53.2901 0.0263 38.0732 789.7173 20.7421 1,105.3483
46 1.4102 0.7091 0.0183 54.6898 0.0258 38.7823 821.6283 21.1856 1,158.6384
47 1.4207 0.7039 0.0178 56.1000 0.0253 39.4862 854.0056 21.6280 1,213.3282
48 1.4314 0.6986 0.0174 57.5207 0.0249 40.1848 886.8404 22.0691 1,269.4281
49 1.4421 0.6934 0.0170 58.9521 0.0245 40.8782 920.1243 22.5089 1,326.9489
50 1.4530 0.6883 0.0166 60.3943 0.0241 41.5664 953.8486 22.9476 1,385.9010
55 1.5083 0.6630 0.0148 67.7688 0.0223 44.9316 1,128.7869 25.1223 1,702.5112
60 1.5657 0.6387 0.0133 75.4241 0.0208 48.1734 1,313.5189 27.2665 2,056.5516
65 1.6253 0.6153 0.0120 83.3709 0.0195 51.2963 1,507.0910 29.3801 2,449.4470
70 1.6872 0.5927 0.0109 91.6201 0.0184 54.3046 1,708.6065 31.4634 2,882.6764
72 1.7126 0.5839 0.0105 95.0070 0.0180 55.4768 1,791.2463 32.2882 3,067.6037
75 1.7514 0.5710 0.0100 100.1833 0.0175 57.2027 1,917.2225 33.5163 3,357.7753
80 1.8180 0.5500 0.0092 109.0725 0.0167 59.9944 2,132.1472 35.5391 3,876.3374
84 1.8732 0.5338 0.0086 116.4269 0.0161 62.1540 2,308.1283 37.1357 4,323.5905
85 1.8873 0.5299 0.0085 118.3001 0.0160 62.6838 2,352.6375 37.5318 4,440.0174
90 1.9591 0.5104 0.0078 127.8790 0.0153 65.2746 2,577.9961 39.4946 5,050.5326
96 2.0489 0.4881 0.0072 139.8562 0.0147 68.2584 2,853.9352 41.8107 5,847.4885
100 2.1111 0.4737 0.0068 148.1445 0.0143 70.1746 3,040.7453 43.3311 6,419.2683
105 2.1914 0.4563 0.0063 158.8595 0.0138 72.4907 3,276.9509 45.2051 7,181.2606
108 2.2411 0.4462 0.0060 165.4832 0.0135 73.8394 3,419.9041 46.3154 7,664.4297
114 2.3439 0.4266 0.0056 179.1846 0.0131 76.4477 3,708.0680 48.5046 8,691.2840
120 2.4514 0.4079 0.0052 193.5143 0.0127 78.9417 3,998.5621 50.6521 9,801.9036

Tablas generadas en Excel Javier Zertuche Garza


i= 1.00% Flujo de efectivo discreto: factores de interés compuesto 1.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0100 0.9901 1.0000 1.0000 1.0100 0.9901 0.0000 0.0000 0.0000
2 1.0201 0.9803 0.4975 2.0100 0.5075 1.9704 0.9803 0.4975 1.0000
3 1.0303 0.9706 0.3300 3.0301 0.3400 2.9410 2.9215 0.9934 3.0100
4 1.0406 0.9610 0.2463 4.0604 0.2563 3.9020 5.8044 1.4876 6.0401
5 1.0510 0.9515 0.1960 5.1010 0.2060 4.8534 9.6103 1.9801 10.1005
6 1.0615 0.9420 0.1625 6.1520 0.1725 5.7955 14.3205 2.4710 15.2015
7 1.0721 0.9327 0.1386 7.2135 0.1486 6.7282 19.9168 2.9602 21.3535
8 1.0829 0.9235 0.1207 8.2857 0.1307 7.6517 26.3812 3.4478 28.5671
9 1.0937 0.9143 0.1067 9.3685 0.1167 8.5660 33.6959 3.9337 36.8527
10 1.1046 0.9053 0.0956 10.4622 0.1056 9.4713 41.8435 4.4179 46.2213
11 1.1157 0.8963 0.0865 11.5668 0.0965 10.3676 50.8067 4.9005 56.6835
12 1.1268 0.8874 0.0788 12.6825 0.0888 11.2551 60.5687 5.3815 68.2503
13 1.1381 0.8787 0.0724 13.8093 0.0824 12.1337 71.1126 5.8607 80.9328
14 1.1495 0.8700 0.0669 14.9474 0.0769 13.0037 82.4221 6.3384 94.7421
15 1.1610 0.8613 0.0621 16.0969 0.0721 13.8651 94.4810 6.8143 109.6896
16 1.1726 0.8528 0.0579 17.2579 0.0679 14.7179 107.2734 7.2886 125.7864
17 1.1843 0.8444 0.0543 18.4304 0.0643 15.5623 120.7834 7.7613 143.0443
18 1.1961 0.8360 0.0510 19.6147 0.0610 16.3983 134.9957 8.2323 161.4748
19 1.2081 0.8277 0.0481 20.8109 0.0581 17.2260 149.8950 8.7017 181.0895
20 1.2202 0.8195 0.0454 22.0190 0.0554 18.0456 165.4664 9.1694 201.9004
21 1.2324 0.8114 0.0430 23.2392 0.0530 18.8570 181.6950 9.6354 223.9194
22 1.2447 0.8034 0.0409 24.4716 0.0509 19.6604 198.5663 10.0998 247.1586
23 1.2572 0.7954 0.0389 25.7163 0.0489 20.4558 216.0660 10.5626 271.6302
24 1.2697 0.7876 0.0371 26.9735 0.0471 21.2434 234.1800 11.0237 297.3465
25 1.2824 0.7798 0.0354 28.2432 0.0454 22.0232 252.8945 11.4831 324.3200
26 1.2953 0.7720 0.0339 29.5256 0.0439 22.7952 272.1957 11.9409 352.5631
27 1.3082 0.7644 0.0324 30.8209 0.0424 23.5596 292.0702 12.3971 382.0888
28 1.3213 0.7568 0.0311 32.1291 0.0411 24.3164 312.5047 12.8516 412.9097
29 1.3345 0.7493 0.0299 33.4504 0.0399 25.0658 333.4863 13.3044 445.0388
30 1.3478 0.7419 0.0287 34.7849 0.0387 25.8077 355.0021 13.7557 478.4892
31 1.3613 0.7346 0.0277 36.1327 0.0377 26.5423 377.0394 14.2052 513.2740
32 1.3749 0.7273 0.0267 37.4941 0.0367 27.2696 399.5858 14.6532 549.4068
33 1.3887 0.7201 0.0257 38.8690 0.0357 27.9897 422.6291 15.0995 586.9009
34 1.4026 0.7130 0.0248 40.2577 0.0348 28.7027 446.1572 15.5441 625.7699
35 1.4166 0.7059 0.0240 41.6603 0.0340 29.4086 470.1583 15.9871 666.0276
36 1.4308 0.6989 0.0232 43.0769 0.0332 30.1075 494.6207 16.4285 707.6878
37 1.4451 0.6920 0.0225 44.5076 0.0325 30.7995 519.5329 16.8682 750.7647
38 1.4595 0.6852 0.0218 45.9527 0.0318 31.4847 544.8835 17.3063 795.2724
39 1.4741 0.6784 0.0211 47.4123 0.0311 32.1630 570.6616 17.7428 841.2251
40 1.4889 0.6717 0.0205 48.8864 0.0305 32.8347 596.8561 18.1776 888.6373
41 1.5038 0.6650 0.0199 50.3752 0.0299 33.4997 623.4562 18.6108 937.5237
42 1.5188 0.6584 0.0193 51.8790 0.0293 34.1581 650.4514 19.0424 987.8989
43 1.5340 0.6519 0.0187 53.3978 0.0287 34.8100 677.8312 19.4723 1,039.7779
44 1.5493 0.6454 0.0182 54.9318 0.0282 35.4555 705.5853 19.9006 1,093.1757
45 1.5648 0.6391 0.0177 56.4811 0.0277 36.0945 733.7037 20.3273 1,148.1075
46 1.5805 0.6327 0.0172 58.0459 0.0272 36.7272 762.1765 20.7524 1,204.5885
47 1.5963 0.6265 0.0168 59.6263 0.0268 37.3537 790.9938 21.1758 1,262.6344
48 1.6122 0.6203 0.0163 61.2226 0.0263 37.9740 820.1460 21.5976 1,322.2608
49 1.6283 0.6141 0.0159 62.8348 0.0259 38.5881 849.6237 22.0178 1,383.4834
50 1.6446 0.6080 0.0155 64.4632 0.0255 39.1961 879.4176 22.4363 1,446.3182
55 1.7285 0.5785 0.0137 72.8525 0.0237 42.1472 1,032.8148 24.5049 1,785.2457
60 1.8167 0.5504 0.0122 81.6697 0.0222 44.9550 1,192.8061 26.5333 2,166.9670
65 1.9094 0.5237 0.0110 90.9366 0.0210 47.6266 1,358.3903 28.5217 2,593.6649
70 2.0068 0.4983 0.0099 100.6763 0.0199 50.1685 1,528.6474 30.4703 3,067.6337
72 2.0471 0.4885 0.0096 104.7099 0.0196 51.1504 1,597.8673 31.2386 3,270.9931
75 2.1091 0.4741 0.0090 110.9128 0.0190 52.5871 1,702.7340 32.3793 3,591.2847
80 2.2167 0.4511 0.0082 121.6715 0.0182 54.8882 1,879.8771 34.2492 4,167.1522
84 2.3067 0.4335 0.0077 130.6723 0.0177 56.6485 2,023.3153 35.7170 4,667.2274
85 2.3298 0.4292 0.0075 132.9790 0.0175 57.0777 2,059.3701 36.0801 4,797.8997
90 2.4486 0.4084 0.0069 144.8633 0.0169 59.1609 2,240.5675 37.8724 5,486.3267
96 2.5993 0.3847 0.0063 159.9273 0.0163 61.5277 2,459.4298 39.9727 6,392.7293
100 2.7048 0.3697 0.0059 170.4814 0.0159 63.0289 2,605.7758 41.3426 7,048.1383
105 2.8428 0.3518 0.0054 184.2787 0.0154 64.8232 2,788.7656 43.0211 7,927.8652
108 2.9289 0.3414 0.0052 192.8926 0.0152 65.8578 2,898.4203 44.0103 8,489.2579
114 3.1091 0.3216 0.0047 210.9114 0.0147 67.8365 3,117.0096 45.9489 9,691.1375
120 3.3004 0.3030 0.0043 230.0387 0.0143 69.7005 3,334.1148 47.8349 11,003.8689

Tablas generadas en Excel Javier Zertuche Garza


i= 1.25% Flujo de efectivo discreto: factores de interés compuesto 1.25%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0125 0.9877 1.0000 1.0000 1.0125 0.9877 0.0000 0.0000 0.0000
2 1.0252 0.9755 0.4969 2.0125 0.5094 1.9631 0.9755 0.4969 1.0000
3 1.0380 0.9634 0.3292 3.0377 0.3417 2.9265 2.9023 0.9917 3.0125
4 1.0509 0.9515 0.2454 4.0756 0.2579 3.8781 5.7569 1.4845 6.0502
5 1.0641 0.9398 0.1951 5.1266 0.2076 4.8178 9.5160 1.9752 10.1258
6 1.0774 0.9282 0.1615 6.1907 0.1740 5.7460 14.1569 2.4638 15.2524
7 1.0909 0.9167 0.1376 7.2680 0.1501 6.6627 19.6571 2.9503 21.4430
8 1.1045 0.9054 0.1196 8.3589 0.1321 7.5681 25.9949 3.4348 28.7110
9 1.1183 0.8942 0.1057 9.4634 0.1182 8.4623 33.1487 3.9172 37.0699
10 1.1323 0.8832 0.0945 10.5817 0.1070 9.3455 41.0973 4.3975 46.5333
11 1.1464 0.8723 0.0854 11.7139 0.0979 10.2178 49.8201 4.8758 57.1150
12 1.1608 0.8615 0.0778 12.8604 0.0903 11.0793 59.2967 5.3520 68.8289
13 1.1753 0.8509 0.0713 14.0211 0.0838 11.9302 69.5072 5.8262 81.6893
14 1.1900 0.8404 0.0658 15.1964 0.0783 12.7706 80.4320 6.2982 95.7104
15 1.2048 0.8300 0.0610 16.3863 0.0735 13.6005 92.0519 6.7682 110.9068
16 1.2199 0.8197 0.0568 17.5912 0.0693 14.4203 104.3481 7.2362 127.2931
17 1.2351 0.8096 0.0532 18.8111 0.0657 15.2299 117.3021 7.7021 144.8843
18 1.2506 0.7996 0.0499 20.0462 0.0624 16.0295 130.8958 8.1659 163.6953
19 1.2662 0.7898 0.0470 21.2968 0.0595 16.8193 145.1115 8.6277 183.7415
20 1.2820 0.7800 0.0443 22.5630 0.0568 17.5993 159.9316 9.0874 205.0383
21 1.2981 0.7704 0.0419 23.8450 0.0544 18.3697 175.3392 9.5450 227.6013
22 1.3143 0.7609 0.0398 25.1431 0.0523 19.1306 191.3174 10.0006 251.4463
23 1.3307 0.7515 0.0378 26.4574 0.0503 19.8820 207.8499 10.4542 276.5894
24 1.3474 0.7422 0.0360 27.7881 0.0485 20.6242 224.9204 10.9056 303.0467
25 1.3642 0.7330 0.0343 29.1354 0.0468 21.3573 242.5132 11.3551 330.8348
26 1.3812 0.7240 0.0328 30.4996 0.0453 22.0813 260.6128 11.8024 359.9702
27 1.3985 0.7150 0.0314 31.8809 0.0439 22.7963 279.2040 12.2478 390.4699
28 1.4160 0.7062 0.0300 33.2794 0.0425 23.5025 298.2719 12.6911 422.3507
29 1.4337 0.6975 0.0288 34.6954 0.0413 24.2000 317.8019 13.1323 455.6301
30 1.4516 0.6889 0.0277 36.1291 0.0402 24.8889 337.7797 13.5715 490.3255
31 1.4698 0.6804 0.0266 37.5807 0.0391 25.5693 358.1912 14.0086 526.4546
32 1.4881 0.6720 0.0256 39.0504 0.0381 26.2413 379.0227 14.4438 564.0353
33 1.5067 0.6637 0.0247 40.5386 0.0372 26.9050 400.2607 14.8768 603.0857
34 1.5256 0.6555 0.0238 42.0453 0.0363 27.5605 421.8920 15.3079 643.6243
35 1.5446 0.6474 0.0230 43.5709 0.0355 28.2079 443.9037 15.7369 685.6696
36 1.5639 0.6394 0.0222 45.1155 0.0347 28.8473 466.2830 16.1639 729.2404
37 1.5835 0.6315 0.0214 46.6794 0.0339 29.4788 489.0176 16.5888 774.3559
38 1.6033 0.6237 0.0207 48.2629 0.0332 30.1025 512.0952 17.0117 821.0354
39 1.6233 0.6160 0.0201 49.8662 0.0326 30.7185 535.5039 17.4326 869.2983
40 1.6436 0.6084 0.0194 51.4896 0.0319 31.3269 559.2320 17.8515 919.1646
41 1.6642 0.6009 0.0188 53.1332 0.0313 31.9278 583.2681 18.2683 970.6541
42 1.6850 0.5935 0.0182 54.7973 0.0307 32.5213 607.6009 18.6832 1,023.7873
43 1.7060 0.5862 0.0177 56.4823 0.0302 33.1075 632.2195 19.0960 1,078.5846
44 1.7274 0.5789 0.0172 58.1883 0.0297 33.6864 657.1130 19.5068 1,135.0669
45 1.7489 0.5718 0.0167 59.9157 0.0292 34.2582 682.2710 19.9156 1,193.2553
46 1.7708 0.5647 0.0162 61.6646 0.0287 34.8229 707.6832 20.3224 1,253.1710
47 1.7929 0.5577 0.0158 63.4354 0.0283 35.3806 733.3393 20.7271 1,314.8356
48 1.8154 0.5509 0.0153 65.2284 0.0278 35.9315 759.2296 21.1299 1,378.2711
49 1.8380 0.5441 0.0149 67.0437 0.0274 36.4755 785.3442 21.5307 1,443.4994
50 1.8610 0.5373 0.0145 68.8818 0.0270 37.0129 811.6738 21.9295 1,510.5432
55 1.9803 0.5050 0.0128 78.4225 0.0253 39.6017 946.2277 23.8936 1,873.7964
60 2.1072 0.4746 0.0113 88.5745 0.0238 42.0346 1,084.8429 25.8083 2,285.9606
65 2.2422 0.4460 0.0101 99.3771 0.0226 44.3210 1,226.5421 27.6741 2,750.1700
70 2.3859 0.4191 0.0090 110.8720 0.0215 46.4697 1,370.4513 29.4913 3,269.7598
72 2.4459 0.4088 0.0086 115.6736 0.0211 47.2925 1,428.4561 30.2047 3,493.8897
75 2.5388 0.3939 0.0081 123.1035 0.0206 48.4890 1,515.7904 31.2605 3,848.2789
80 2.7015 0.3702 0.0073 136.1188 0.0198 50.3867 1,661.8651 32.9822 4,489.5036
84 2.8391 0.3522 0.0068 147.1290 0.0193 51.8222 1,778.8384 34.3258 5,050.3232
85 2.8746 0.3479 0.0067 149.9682 0.0192 52.1701 1,808.0598 34.6570 5,197.4522
90 3.0588 0.3269 0.0061 164.7050 0.0186 53.8461 1,953.8303 36.2855 5,976.4006
96 3.2955 0.3034 0.0054 183.6411 0.0179 55.7246 2,127.5244 38.1793 7,011.2848
100 3.4634 0.2887 0.0051 197.0723 0.0176 56.9013 2,242.2411 39.4058 7,765.7874
105 3.6853 0.2713 0.0047 214.8277 0.0172 58.2924 2,384.0956 40.8989 8,786.2188
108 3.8253 0.2614 0.0044 226.0226 0.0169 59.0865 2,468.2636 41.7737 9,441.8041
114 4.1213 0.2426 0.0040 249.7035 0.0165 60.5886 2,634.1928 43.4767 10,856.2839
120 4.4402 0.2252 0.0036 275.2171 0.0161 61.9828 2,796.5694 45.1184 12,417.3647

Tablas generadas en Excel Javier Zertuche Garza


i= 1.50% Flujo de efectivo discreto: factores de interés compuesto 1.50%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0150 0.9852 1.0000 1.0000 1.0150 0.9852 0.0000 0.0000 0.0000
2 1.0302 0.9707 0.4963 2.0150 0.5113 1.9559 0.9707 0.4963 1.0000
3 1.0457 0.9563 0.3284 3.0452 0.3434 2.9122 2.8833 0.9901 3.0150
4 1.0614 0.9422 0.2444 4.0909 0.2594 3.8544 5.7098 1.4814 6.0602
5 1.0773 0.9283 0.1941 5.1523 0.2091 4.7826 9.4229 1.9702 10.1511
6 1.0934 0.9145 0.1605 6.2296 0.1755 5.6972 13.9956 2.4566 15.3034
7 1.1098 0.9010 0.1366 7.3230 0.1516 6.5982 19.4018 2.9405 21.5329
8 1.1265 0.8877 0.1186 8.4328 0.1336 7.4859 25.6157 3.4219 28.8559
9 1.1434 0.8746 0.1046 9.5593 0.1196 8.3605 32.6125 3.9008 37.2888
10 1.1605 0.8617 0.0934 10.7027 0.1084 9.2222 40.3675 4.3772 46.8481
11 1.1779 0.8489 0.0843 11.8633 0.0993 10.0711 48.8568 4.8512 57.5508
12 1.1956 0.8364 0.0767 13.0412 0.0917 10.9075 58.0571 5.3227 69.4141
13 1.2136 0.8240 0.0702 14.2368 0.0852 11.7315 67.9454 5.7917 82.4553
14 1.2318 0.8118 0.0647 15.4504 0.0797 12.5434 78.4994 6.2582 96.6921
15 1.2502 0.7999 0.0599 16.6821 0.0749 13.3432 89.6974 6.7223 112.1425
16 1.2690 0.7880 0.0558 17.9324 0.0708 14.1313 101.5178 7.1839 128.8247
17 1.2880 0.7764 0.0521 19.2014 0.0671 14.9076 113.9400 7.6431 146.7570
18 1.3073 0.7649 0.0488 20.4894 0.0638 15.6726 126.9435 8.0997 165.9584
19 1.3270 0.7536 0.0459 21.7967 0.0609 16.4262 140.5084 8.5539 186.4478
20 1.3469 0.7425 0.0432 23.1237 0.0582 17.1686 154.6154 9.0057 208.2445
21 1.3671 0.7315 0.0409 24.4705 0.0559 17.9001 169.2453 9.4550 231.3681
22 1.3876 0.7207 0.0387 25.8376 0.0537 18.6208 184.3798 9.9018 255.8387
23 1.4084 0.7100 0.0367 27.2251 0.0517 19.3309 200.0006 10.3462 281.6762
24 1.4295 0.6995 0.0349 28.6335 0.0499 20.0304 216.0901 10.7881 308.9014
25 1.4509 0.6892 0.0333 30.0630 0.0483 20.7196 232.6310 11.2276 337.5349
26 1.4727 0.6790 0.0317 31.5140 0.0467 21.3986 249.6065 11.6646 367.5979
27 1.4948 0.6690 0.0303 32.9867 0.0453 22.0676 267.0002 12.0992 399.1119
28 1.5172 0.6591 0.0290 34.4815 0.0440 22.7267 284.7958 12.5313 432.0986
29 1.5400 0.6494 0.0278 35.9987 0.0428 23.3761 302.9779 12.9610 466.5801
30 1.5631 0.6398 0.0266 37.5387 0.0416 24.0158 321.5310 13.3883 502.5788
31 1.5865 0.6303 0.0256 39.1018 0.0406 24.6461 340.4402 13.8131 540.1174
32 1.6103 0.6210 0.0246 40.6883 0.0396 25.2671 359.6910 14.2355 579.2192
33 1.6345 0.6118 0.0236 42.2986 0.0386 25.8790 379.2691 14.6555 619.9075
34 1.6590 0.6028 0.0228 43.9331 0.0378 26.4817 399.1607 15.0731 662.2061
35 1.6839 0.5939 0.0219 45.5921 0.0369 27.0756 419.3521 15.4882 706.1392
36 1.7091 0.5851 0.0212 47.2760 0.0362 27.6607 439.8303 15.9009 751.7313
37 1.7348 0.5764 0.0204 48.9851 0.0354 28.2371 460.5822 16.3112 799.0072
38 1.7608 0.5679 0.0197 50.7199 0.0347 28.8051 481.5954 16.7191 847.9924
39 1.7872 0.5595 0.0191 52.4807 0.0341 29.3646 502.8576 17.1246 898.7122
40 1.8140 0.5513 0.0184 54.2679 0.0334 29.9158 524.3568 17.5277 951.1929
41 1.8412 0.5431 0.0178 56.0819 0.0328 30.4590 546.0814 17.9284 1,005.4608
42 1.8688 0.5351 0.0173 57.9231 0.0323 30.9941 568.0201 18.3267 1,061.5427
43 1.8969 0.5272 0.0167 59.7920 0.0317 31.5212 590.1617 18.7227 1,119.4659
44 1.9253 0.5194 0.0162 61.6889 0.0312 32.0406 612.4955 19.1162 1,179.2579
45 1.9542 0.5117 0.0157 63.6142 0.0307 32.5523 635.0110 19.5074 1,240.9467
46 1.9835 0.5042 0.0153 65.5684 0.0303 33.0565 657.6979 19.8962 1,304.5609
47 2.0133 0.4967 0.0148 67.5519 0.0298 33.5532 680.5462 20.2826 1,370.1293
48 2.0435 0.4894 0.0144 69.5652 0.0294 34.0426 703.5462 20.6667 1,437.6813
49 2.0741 0.4821 0.0140 71.6087 0.0290 34.5247 726.6884 21.0484 1,507.2465
50 2.1052 0.4750 0.0136 73.6828 0.0286 34.9997 749.9636 21.4277 1,578.8552
55 2.2679 0.4409 0.0118 84.5296 0.0268 37.2715 868.0285 23.2894 1,968.6399
60 2.4432 0.4093 0.0104 96.2147 0.0254 39.3803 988.1674 25.0930 2,414.3101
65 2.6320 0.3799 0.0092 108.8028 0.0242 41.3378 1,109.4752 26.8393 2,920.1848
70 2.8355 0.3527 0.0082 122.3638 0.0232 43.1549 1,231.1658 28.5290 3,490.9169
72 2.9212 0.3423 0.0078 128.0772 0.0228 43.8447 1,279.7938 29.1893 3,738.4798
75 3.0546 0.3274 0.0073 136.9728 0.0223 44.8416 1,352.5600 30.1631 4,131.5187
80 3.2907 0.3039 0.0065 152.7109 0.0215 46.4073 1,473.0741 31.7423 4,847.3902
84 3.4926 0.2863 0.0060 166.1726 0.0210 47.5786 1,568.5140 32.9668 5,478.1757
85 3.5450 0.2821 0.0059 169.6652 0.0209 47.8607 1,592.2095 33.2676 5,644.3484
90 3.8189 0.2619 0.0053 187.9299 0.0203 49.2099 1,709.5439 34.7399 6,528.6600
96 4.1758 0.2395 0.0047 211.7202 0.0197 50.7017 1,847.4725 36.4381 7,714.6823
100 4.4320 0.2256 0.0044 228.8030 0.0194 51.6247 1,937.4506 37.5295 8,586.8696
105 4.7746 0.2094 0.0040 251.6381 0.0190 52.7038 2,047.4872 38.8489 9,775.8750
108 4.9927 0.2003 0.0038 266.1778 0.0188 53.3137 2,112.1348 39.6171 10,545.1847
114 5.4592 0.1832 0.0034 297.2798 0.0184 54.4549 2,238.1780 41.1015 12,218.6561
120 5.9693 0.1675 0.0030 331.2882 0.0180 55.4985 2,359.7114 42.5185 14,085.8794

Tablas generadas en Excel Javier Zertuche Garza


i= 1.75% Flujo de efectivo discreto: factores de interés compuesto 1.75%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0175 0.9828 1.0000 1.0000 1.0175 0.9828 0.0000 0.0000 0.0000
2 1.0353 0.9659 0.4957 2.0175 0.5132 1.9487 0.9659 0.4957 1.0000
3 1.0534 0.9493 0.3276 3.0528 0.3451 2.8980 2.8645 0.9884 3.0175
4 1.0719 0.9330 0.2435 4.1062 0.2610 3.8309 5.6633 1.4783 6.0703
5 1.0906 0.9169 0.1931 5.1781 0.2106 4.7479 9.3310 1.9653 10.1765
6 1.1097 0.9011 0.1595 6.2687 0.1770 5.6490 13.8367 2.4494 15.3546
7 1.1291 0.8856 0.1355 7.3784 0.1530 6.5346 19.1506 2.9306 21.6233
8 1.1489 0.8704 0.1175 8.5075 0.1350 7.4051 25.2435 3.4089 29.0017
9 1.1690 0.8554 0.1036 9.6564 0.1211 8.2605 32.0870 3.8844 37.5093
10 1.1894 0.8407 0.0924 10.8254 0.1099 9.1012 39.6535 4.3569 47.1657
11 1.2103 0.8263 0.0832 12.0148 0.1007 9.9275 47.9162 4.8266 57.9911
12 1.2314 0.8121 0.0756 13.2251 0.0931 10.7395 56.8489 5.2934 70.0059
13 1.2530 0.7981 0.0692 14.4565 0.0867 11.5376 66.4260 5.7573 83.2310
14 1.2749 0.7844 0.0637 15.7095 0.0812 12.3220 76.6227 6.2184 97.6876
15 1.2972 0.7709 0.0589 16.9844 0.0764 13.0929 87.4149 6.6765 113.3971
16 1.3199 0.7576 0.0547 18.2817 0.0722 13.8505 98.7792 7.1318 130.3816
17 1.3430 0.7446 0.0510 19.6016 0.0685 14.5951 110.6926 7.5842 148.6632
18 1.3665 0.7318 0.0477 20.9446 0.0652 15.3269 123.1328 8.0338 168.2648
19 1.3904 0.7192 0.0448 22.3112 0.0623 16.0461 136.0783 8.4805 189.2095
20 1.4148 0.7068 0.0422 23.7016 0.0597 16.7529 149.5080 8.9243 211.5206
21 1.4395 0.6947 0.0398 25.1164 0.0573 17.4475 163.4013 9.3653 235.2223
22 1.4647 0.6827 0.0377 26.5559 0.0552 18.1303 177.7385 9.8034 260.3386
23 1.4904 0.6710 0.0357 28.0207 0.0532 18.8012 192.5000 10.2387 286.8946
24 1.5164 0.6594 0.0339 29.5110 0.0514 19.4607 207.6671 10.6711 314.9152
25 1.5430 0.6481 0.0322 31.0275 0.0497 20.1088 223.2214 11.1007 344.4262
26 1.5700 0.6369 0.0307 32.5704 0.0482 20.7457 239.1451 11.5274 375.4537
27 1.5975 0.6260 0.0293 34.1404 0.0468 21.3717 255.4210 11.9513 408.0241
28 1.6254 0.6152 0.0280 35.7379 0.0455 21.9870 272.0321 12.3724 442.1646
29 1.6539 0.6046 0.0268 37.3633 0.0443 22.5916 288.9623 12.7907 477.9024
30 1.6828 0.5942 0.0256 39.0172 0.0431 23.1858 306.1954 13.2061 515.2657
31 1.7122 0.5840 0.0246 40.7000 0.0421 23.7699 323.7163 13.6188 554.2829
32 1.7422 0.5740 0.0236 42.4122 0.0411 24.3439 341.5097 14.0286 594.9828
33 1.7727 0.5641 0.0226 44.1544 0.0401 24.9080 359.5613 14.4356 637.3950
34 1.8037 0.5544 0.0218 45.9271 0.0393 25.4624 377.8567 14.8398 681.5494
35 1.8353 0.5449 0.0210 47.7308 0.0385 26.0073 396.3824 15.2412 727.4766
36 1.8674 0.5355 0.0202 49.5661 0.0377 26.5428 415.1250 15.6399 775.2074
37 1.9001 0.5263 0.0194 51.4335 0.0369 27.0690 434.0715 16.0357 824.7735
38 1.9333 0.5172 0.0187 53.3336 0.0362 27.5863 453.2094 16.4288 876.2071
39 1.9672 0.5083 0.0181 55.2670 0.0356 28.0946 472.5264 16.8191 929.5407
40 2.0016 0.4996 0.0175 57.2341 0.0350 28.5942 492.0109 17.2066 984.8077
41 2.0366 0.4910 0.0169 59.2357 0.0344 29.0852 511.6512 17.5914 1,042.0418
42 2.0723 0.4826 0.0163 61.2724 0.0338 29.5678 531.4363 17.9735 1,101.2775
43 2.1085 0.4743 0.0158 63.3446 0.0333 30.0421 551.3554 18.3528 1,162.5499
44 2.1454 0.4661 0.0153 65.4532 0.0328 30.5082 571.3980 18.7293 1,225.8945
45 2.1830 0.4581 0.0148 67.5986 0.0323 30.9663 591.5540 19.1032 1,291.3476
46 2.2212 0.4502 0.0143 69.7816 0.0318 31.4165 611.8135 19.4743 1,358.9462
47 2.2600 0.4425 0.0139 72.0027 0.0314 31.8589 632.1670 19.8427 1,428.7278
48 2.2996 0.4349 0.0135 74.2628 0.0310 32.2938 652.6054 20.2084 1,500.7305
49 2.3398 0.4274 0.0131 76.5624 0.0306 32.7212 673.1196 20.5714 1,574.9933
50 2.3808 0.4200 0.0127 78.9022 0.0302 33.1412 693.7010 20.9317 1,651.5557
55 2.5965 0.3851 0.0110 91.2302 0.0285 35.1354 797.3321 22.6931 2,070.2950
60 2.8318 0.3531 0.0096 104.6752 0.0271 36.9640 901.4954 24.3885 2,552.8695
65 3.0884 0.3238 0.0084 119.3386 0.0259 38.6406 1,005.3872 26.0189 3,105.0636
70 3.3683 0.2969 0.0074 135.3308 0.0249 40.1779 1,108.3333 27.5856 3,733.1862
72 3.4872 0.2868 0.0070 142.1263 0.0245 40.7564 1,149.1181 28.1948 4,007.2160
75 3.6735 0.2722 0.0065 152.7721 0.0240 41.5875 1,209.7738 29.0899 4,444.1175
80 4.0064 0.2496 0.0058 171.7938 0.0233 42.8799 1,309.2482 30.5329 5,245.3614
84 4.2943 0.2329 0.0053 188.2450 0.0228 43.8361 1,387.1584 31.6442 5,956.8567
85 4.3694 0.2289 0.0052 192.5393 0.0227 44.0650 1,406.3828 31.9161 6,145.1017
90 4.7654 0.2098 0.0046 215.1646 0.0221 45.1516 1,500.8798 33.2409 7,152.2638
96 5.2882 0.1891 0.0041 245.0374 0.0216 46.3370 1,610.4716 34.7556 8,516.4222
100 5.6682 0.1764 0.0037 266.7518 0.0212 47.0615 1,681.0886 35.7211 9,528.6725
105 6.1818 0.1618 0.0034 296.1020 0.0209 47.8991 1,766.4985 36.8796 10,920.1135
108 6.5120 0.1536 0.0032 314.9738 0.0207 48.3679 1,816.1852 37.5494 11,827.0730
114 7.2264 0.1384 0.0028 355.7958 0.0203 49.2354 1,911.9968 38.8338 13,816.9056
120 8.0192 0.1247 0.0025 401.0962 0.0200 50.0171 2,003.0269 40.0469 16,062.6398

Tablas generadas en Excel Javier Zertuche Garza


i= 2.00% Flujo de efectivo discreto: factores de interés compuesto 2.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0200 0.9804 1.0000 1.0000 1.0200 0.9804 0.0000 0.0000 0.0000
2 1.0404 0.9612 0.4950 2.0200 0.5150 1.9416 0.9612 0.4950 1.0000
3 1.0612 0.9423 0.3268 3.0604 0.3468 2.8839 2.8458 0.9868 3.0200
4 1.0824 0.9238 0.2426 4.1216 0.2626 3.8077 5.6173 1.4752 6.0804
5 1.1041 0.9057 0.1922 5.2040 0.2122 4.7135 9.2403 1.9604 10.2020
6 1.1262 0.8880 0.1585 6.3081 0.1785 5.6014 13.6801 2.4423 15.4060
7 1.1487 0.8706 0.1345 7.4343 0.1545 6.4720 18.9035 2.9208 21.7142
8 1.1717 0.8535 0.1165 8.5830 0.1365 7.3255 24.8779 3.3961 29.1485
9 1.1951 0.8368 0.1025 9.7546 0.1225 8.1622 31.5720 3.8681 37.7314
10 1.2190 0.8203 0.0913 10.9497 0.1113 8.9826 38.9551 4.3367 47.4860
11 1.2434 0.8043 0.0822 12.1687 0.1022 9.7868 46.9977 4.8021 58.4358
12 1.2682 0.7885 0.0746 13.4121 0.0946 10.5753 55.6712 5.2642 70.6045
13 1.2936 0.7730 0.0681 14.6803 0.0881 11.3484 64.9475 5.7231 84.0166
14 1.3195 0.7579 0.0626 15.9739 0.0826 12.1062 74.7999 6.1786 98.6969
15 1.3459 0.7430 0.0578 17.2934 0.0778 12.8493 85.2021 6.6309 114.6708
16 1.3728 0.7284 0.0537 18.6393 0.0737 13.5777 96.1288 7.0799 131.9643
17 1.4002 0.7142 0.0500 20.0121 0.0700 14.2919 107.5554 7.5256 150.6035
18 1.4282 0.7002 0.0467 21.4123 0.0667 14.9920 119.4581 7.9681 170.6156
19 1.4568 0.6864 0.0438 22.8406 0.0638 15.6785 131.8139 8.4073 192.0279
20 1.4859 0.6730 0.0412 24.2974 0.0612 16.3514 144.6003 8.8433 214.8685
21 1.5157 0.6598 0.0388 25.7833 0.0588 17.0112 157.7959 9.2760 239.1659
22 1.5460 0.6468 0.0366 27.2990 0.0566 17.6580 171.3795 9.7055 264.9492
23 1.5769 0.6342 0.0347 28.8450 0.0547 18.2922 185.3309 10.1317 292.2482
24 1.6084 0.6217 0.0329 30.4219 0.0529 18.9139 199.6305 10.5547 321.0931
25 1.6406 0.6095 0.0312 32.0303 0.0512 19.5235 214.2592 10.9745 351.5150
26 1.6734 0.5976 0.0297 33.6709 0.0497 20.1210 229.1987 11.3910 383.5453
27 1.7069 0.5859 0.0283 35.3443 0.0483 20.7069 244.4311 11.8043 417.2162
28 1.7410 0.5744 0.0270 37.0512 0.0470 21.2813 259.9392 12.2145 452.5605
29 1.7758 0.5631 0.0258 38.7922 0.0458 21.8444 275.7064 12.6214 489.6117
30 1.8114 0.5521 0.0246 40.5681 0.0446 22.3965 291.7164 13.0251 528.4040
31 1.8476 0.5412 0.0236 42.3794 0.0436 22.9377 307.9538 13.4257 568.9720
32 1.8845 0.5306 0.0226 44.2270 0.0426 23.4683 324.4035 13.8230 611.3515
33 1.9222 0.5202 0.0217 46.1116 0.0417 23.9886 341.0508 14.2172 655.5785
34 1.9607 0.5100 0.0208 48.0338 0.0408 24.4986 357.8817 14.6083 701.6901
35 1.9999 0.5000 0.0200 49.9945 0.0400 24.9986 374.8826 14.9961 749.7239
36 2.0399 0.4902 0.0192 51.9944 0.0392 25.4888 392.0405 15.3809 799.7184
37 2.0807 0.4806 0.0185 54.0343 0.0385 25.9695 409.3424 15.7625 851.7127
38 2.1223 0.4712 0.0178 56.1149 0.0378 26.4406 426.7764 16.1409 905.7470
39 2.1647 0.4619 0.0172 58.2372 0.0372 26.9026 444.3304 16.5163 961.8619
40 2.2080 0.4529 0.0166 60.4020 0.0366 27.3555 461.9931 16.8885 1,020.0992
41 2.2522 0.4440 0.0160 62.6100 0.0360 27.7995 479.7535 17.2576 1,080.5011
42 2.2972 0.4353 0.0154 64.8622 0.0354 28.2348 497.6010 17.6237 1,143.1112
43 2.3432 0.4268 0.0149 67.1595 0.0349 28.6616 515.5253 17.9866 1,207.9734
44 2.3901 0.4184 0.0144 69.5027 0.0344 29.0800 533.5165 18.3465 1,275.1329
45 2.4379 0.4102 0.0139 71.8927 0.0339 29.4902 551.5652 18.7034 1,344.6355
46 2.4866 0.4022 0.0135 74.3306 0.0335 29.8923 569.6621 19.0571 1,416.5282
47 2.5363 0.3943 0.0130 76.8172 0.0330 30.2866 587.7985 19.4079 1,490.8588
48 2.5871 0.3865 0.0126 79.3535 0.0326 30.6731 605.9657 19.7556 1,567.6760
49 2.6388 0.3790 0.0122 81.9406 0.0322 31.0521 624.1557 20.1003 1,647.0295
50 2.6916 0.3715 0.0118 84.5794 0.0318 31.4236 642.3606 20.4420 1,728.9701
55 2.9717 0.3365 0.0101 98.5865 0.0301 33.1748 733.3527 22.1057 2,179.3267
60 3.2810 0.3048 0.0088 114.0515 0.0288 34.7609 823.6975 23.6961 2,702.5770
65 3.6225 0.2761 0.0076 131.1262 0.0276 36.1975 912.7085 25.2147 3,306.3078
70 3.9996 0.2500 0.0067 149.9779 0.0267 37.4986 999.8343 26.6632 3,998.8956
72 4.1611 0.2403 0.0063 158.0570 0.0263 37.9841 1,034.0557 27.2234 4,302.8509
75 4.4158 0.2265 0.0059 170.7918 0.0259 38.6771 1,084.6393 28.0434 4,789.5886
80 4.8754 0.2051 0.0052 193.7720 0.0252 39.7445 1,166.7868 29.3572 5,688.5979
84 5.2773 0.1895 0.0047 213.8666 0.0247 40.5255 1,230.4191 30.3616 6,493.3303
85 5.3829 0.1858 0.0046 219.1439 0.0246 40.7113 1,246.0241 30.6064 6,707.1969
90 5.9431 0.1683 0.0040 247.1567 0.0240 41.5869 1,322.1701 31.7929 7,857.8328
96 6.6929 0.1494 0.0035 284.6467 0.0235 42.5294 1,409.2973 33.1370 9,432.3329
100 7.2446 0.1380 0.0032 312.2323 0.0232 43.0984 1,464.7527 33.9863 10,611.6153
105 7.9987 0.1250 0.0029 349.9337 0.0229 43.7490 1,531.0895 34.9972 12,246.6868
108 8.4883 0.1178 0.0027 374.4129 0.0227 44.1095 1,569.3025 35.5774 13,320.6440
114 9.5592 0.1046 0.0023 427.9578 0.0223 44.7694 1,642.1837 36.6809 15,697.8917
120 10.7652 0.0929 0.0020 488.2582 0.0220 45.3554 1,710.4160 37.7114 18,412.9076

Tablas generadas en Excel Javier Zertuche Garza


i= 3.00% Flujo de efectivo discreto: factores de interés compuesto 3.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0300 0.9709 1.0000 1.0000 1.0300 0.9709 0.0000 0.0000 0.0000
2 1.0609 0.9426 0.4926 2.0300 0.5226 1.9135 0.9426 0.4926 1.0000
3 1.0927 0.9151 0.3235 3.0909 0.3535 2.8286 2.7729 0.9803 3.0300
4 1.1255 0.8885 0.2390 4.1836 0.2690 3.7171 5.4383 1.4631 6.1209
5 1.1593 0.8626 0.1884 5.3091 0.2184 4.5797 8.8888 1.9409 10.3045
6 1.1941 0.8375 0.1546 6.4684 0.1846 5.4172 13.0762 2.4138 15.6137
7 1.2299 0.8131 0.1305 7.6625 0.1605 6.2303 17.9547 2.8819 22.0821
8 1.2668 0.7894 0.1125 8.8923 0.1425 7.0197 23.4806 3.3450 29.7445
9 1.3048 0.7664 0.0984 10.1591 0.1284 7.7861 29.6119 3.8032 38.6369
10 1.3439 0.7441 0.0872 11.4639 0.1172 8.5302 36.3088 4.2565 48.7960
11 1.3842 0.7224 0.0781 12.8078 0.1081 9.2526 43.5330 4.7049 60.2599
12 1.4258 0.7014 0.0705 14.1920 0.1005 9.9540 51.2482 5.1485 73.0677
13 1.4685 0.6810 0.0640 15.6178 0.0940 10.6350 59.4196 5.5872 87.2597
14 1.5126 0.6611 0.0585 17.0863 0.0885 11.2961 68.0141 6.0210 102.8775
15 1.5580 0.6419 0.0538 18.5989 0.0838 11.9379 77.0002 6.4500 119.9638
16 1.6047 0.6232 0.0496 20.1569 0.0796 12.5611 86.3477 6.8742 138.5627
17 1.6528 0.6050 0.0460 21.7616 0.0760 13.1661 96.0280 7.2936 158.7196
18 1.7024 0.5874 0.0427 23.4144 0.0727 13.7535 106.0137 7.7081 180.4812
19 1.7535 0.5703 0.0398 25.1169 0.0698 14.3238 116.2788 8.1179 203.8956
20 1.8061 0.5537 0.0372 26.8704 0.0672 14.8775 126.7987 8.5229 229.0125
21 1.8603 0.5375 0.0349 28.6765 0.0649 15.4150 137.5496 8.9231 255.8829
22 1.9161 0.5219 0.0327 30.5368 0.0627 15.9369 148.5094 9.3186 284.5593
23 1.9736 0.5067 0.0308 32.4529 0.0608 16.4436 159.6566 9.7093 315.0961
24 2.0328 0.4919 0.0290 34.4265 0.0590 16.9355 170.9711 10.0954 347.5490
25 2.0938 0.4776 0.0274 36.4593 0.0574 17.4131 182.4336 10.4768 381.9755
26 2.1566 0.4637 0.0259 38.5530 0.0559 17.8768 194.0260 10.8535 418.4347
27 2.2213 0.4502 0.0246 40.7096 0.0546 18.3270 205.7309 11.2255 456.9878
28 2.2879 0.4371 0.0233 42.9309 0.0533 18.7641 217.5320 11.5930 497.6974
29 2.3566 0.4243 0.0221 45.2189 0.0521 19.1885 229.4137 11.9558 540.6283
30 2.4273 0.4120 0.0210 47.5754 0.0510 19.6004 241.3613 12.3141 585.8472
31 2.5001 0.4000 0.0200 50.0027 0.0500 20.0004 253.3609 12.6678 633.4226
32 2.5751 0.3883 0.0190 52.5028 0.0490 20.3888 265.3993 13.0169 683.4253
33 2.6523 0.3770 0.0182 55.0778 0.0482 20.7658 277.4642 13.3616 735.9280
34 2.7319 0.3660 0.0173 57.7302 0.0473 21.1318 289.5437 13.7018 791.0059
35 2.8139 0.3554 0.0165 60.4621 0.0465 21.4872 301.6267 14.0375 848.7361
36 2.8983 0.3450 0.0158 63.2759 0.0458 21.8323 313.7028 14.3688 909.1981
37 2.9852 0.3350 0.0151 66.1742 0.0451 22.1672 325.7622 14.6957 972.4741
38 3.0748 0.3252 0.0145 69.1594 0.0445 22.4925 337.7956 15.0182 1,038.6483
39 3.1670 0.3158 0.0138 72.2342 0.0438 22.8082 349.7942 15.3363 1,107.8078
40 3.2620 0.3066 0.0133 75.4013 0.0433 23.1148 361.7499 15.6502 1,180.0420
41 3.3599 0.2976 0.0127 78.6633 0.0427 23.4124 373.6551 15.9597 1,255.4433
42 3.4607 0.2890 0.0122 82.0232 0.0422 23.7014 385.5024 16.2650 1,334.1065
43 3.5645 0.2805 0.0117 85.4839 0.0417 23.9819 397.2852 16.5660 1,416.1297
44 3.6715 0.2724 0.0112 89.0484 0.0412 24.2543 408.9972 16.8629 1,501.6136
45 3.7816 0.2644 0.0108 92.7199 0.0408 24.5187 420.6325 17.1556 1,590.6620
46 3.8950 0.2567 0.0104 96.5015 0.0404 24.7754 432.1856 17.4441 1,683.3819
47 4.0119 0.2493 0.0100 100.3965 0.0400 25.0247 443.6515 17.7285 1,779.8834
48 4.1323 0.2420 0.0096 104.4084 0.0396 25.2667 455.0255 18.0089 1,880.2799
49 4.2562 0.2350 0.0092 108.5406 0.0392 25.5017 466.3031 18.2852 1,984.6883
50 4.3839 0.2281 0.0089 112.7969 0.0389 25.7298 477.4803 18.5575 2,093.2289
55 5.0821 0.1968 0.0073 136.0716 0.0373 26.7744 531.7411 19.8600 2,702.3873
60 5.8916 0.1697 0.0061 163.0534 0.0361 27.6756 583.0526 21.0674 3,435.1146
65 6.8300 0.1464 0.0051 194.3328 0.0351 28.4529 631.2010 22.1841 4,311.0919
70 7.9178 0.1263 0.0043 230.5941 0.0343 29.1234 676.0869 23.2145 5,353.1355
72 8.4000 0.1190 0.0041 246.6672 0.0341 29.3651 693.1226 23.6036 5,822.2414
75 9.1789 0.1089 0.0037 272.6309 0.0337 29.7018 717.6978 24.1634 6,587.6952
80 10.6409 0.0940 0.0031 321.3630 0.0331 30.2008 756.0865 25.0353 8,045.4340
84 11.9764 0.0835 0.0027 365.8805 0.0327 30.5501 784.5434 25.6806 9,396.0179
85 12.3357 0.0811 0.0026 377.8570 0.0326 30.6312 791.3529 25.8349 9,761.8984
90 14.3005 0.0699 0.0023 443.3489 0.0323 31.0024 823.6302 26.5667 11,778.2968
96 17.0755 0.0586 0.0019 535.8502 0.0319 31.3812 858.6377 27.3615 14,661.6729
100 19.2186 0.0520 0.0016 607.2877 0.0316 31.5989 879.8540 27.8444 16,909.5911
105 22.2797 0.0449 0.0014 709.3221 0.0314 31.8372 904.1461 28.3990 20,144.0687
108 24.3456 0.0411 0.0013 778.1863 0.0313 31.9642 917.6013 28.7072 22,339.5422
114 29.0699 0.0344 0.0011 935.6635 0.0311 32.1867 942.1697 29.2720 27,388.7836
120 34.7110 0.0288 0.0009 1,123.6996 0.0309 32.3730 963.8635 29.7737 33,456.6524

Tablas generadas en Excel Javier Zertuche Garza


i= 4.00% Flujo de efectivo discreto: factores de interés compuesto 4.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0400 0.9615 1.0000 1.0000 1.0400 0.9615 0.0000 0.0000 0.0000
2 1.0816 0.9246 0.4902 2.0400 0.5302 1.8861 0.9246 0.4902 1.0000
3 1.1249 0.8890 0.3203 3.1216 0.3603 2.7751 2.7025 0.9739 3.0400
4 1.1699 0.8548 0.2355 4.2465 0.2755 3.6299 5.2670 1.4510 6.1616
5 1.2167 0.8219 0.1846 5.4163 0.2246 4.4518 8.5547 1.9216 10.4081
6 1.2653 0.7903 0.1508 6.6330 0.1908 5.2421 12.5062 2.3857 15.8244
7 1.3159 0.7599 0.1266 7.8983 0.1666 6.0021 17.0657 2.8433 22.4574
8 1.3686 0.7307 0.1085 9.2142 0.1485 6.7327 22.1806 3.2944 30.3557
9 1.4233 0.7026 0.0945 10.5828 0.1345 7.4353 27.8013 3.7391 39.5699
10 1.4802 0.6756 0.0833 12.0061 0.1233 8.1109 33.8814 4.1773 50.1527
11 1.5395 0.6496 0.0741 13.4864 0.1141 8.7605 40.3772 4.6090 62.1588
12 1.6010 0.6246 0.0666 15.0258 0.1066 9.3851 47.2477 5.0343 75.6451
13 1.6651 0.6006 0.0601 16.6268 0.1001 9.9856 54.4546 5.4533 90.6709
14 1.7317 0.5775 0.0547 18.2919 0.0947 10.5631 61.9618 5.8659 107.2978
15 1.8009 0.5553 0.0499 20.0236 0.0899 11.1184 69.7355 6.2721 125.5897
16 1.8730 0.5339 0.0458 21.8245 0.0858 11.6523 77.7441 6.6720 145.6133
17 1.9479 0.5134 0.0422 23.6975 0.0822 12.1657 85.9581 7.0656 167.4378
18 2.0258 0.4936 0.0390 25.6454 0.0790 12.6593 94.3498 7.4530 191.1353
19 2.1068 0.4746 0.0361 27.6712 0.0761 13.1339 102.8933 7.8342 216.7807
20 2.1911 0.4564 0.0336 29.7781 0.0736 13.5903 111.5647 8.2091 244.4520
21 2.2788 0.4388 0.0313 31.9692 0.0713 14.0292 120.3414 8.5779 274.2300
22 2.3699 0.4220 0.0292 34.2480 0.0692 14.4511 129.2024 8.9407 306.1992
23 2.4647 0.4057 0.0273 36.6179 0.0673 14.8568 138.1284 9.2973 340.4472
24 2.5633 0.3901 0.0256 39.0826 0.0656 15.2470 147.1012 9.6479 377.0651
25 2.6658 0.3751 0.0240 41.6459 0.0640 15.6221 156.1040 9.9925 416.1477
26 2.7725 0.3607 0.0226 44.3117 0.0626 15.9828 165.1212 10.3312 457.7936
27 2.8834 0.3468 0.0212 47.0842 0.0612 16.3296 174.1385 10.6640 502.1054
28 2.9987 0.3335 0.0200 49.9676 0.0600 16.6631 183.1424 10.9909 549.1896
29 3.1187 0.3207 0.0189 52.9663 0.0589 16.9837 192.1206 11.3120 599.1572
30 3.2434 0.3083 0.0178 56.0849 0.0578 17.2920 201.0618 11.6274 652.1234
31 3.3731 0.2965 0.0169 59.3283 0.0569 17.5885 209.9556 11.9371 708.2084
32 3.5081 0.2851 0.0159 62.7015 0.0559 17.8736 218.7924 12.2411 767.5367
33 3.6484 0.2741 0.0151 66.2095 0.0551 18.1476 227.5634 12.5396 830.2382
34 3.7943 0.2636 0.0143 69.8579 0.0543 18.4112 236.2607 12.8324 896.4477
35 3.9461 0.2534 0.0136 73.6522 0.0536 18.6646 244.8768 13.1198 966.3056
36 4.1039 0.2437 0.0129 77.5983 0.0529 18.9083 253.4052 13.4018 1,039.9578
37 4.2681 0.2343 0.0122 81.7022 0.0522 19.1426 261.8399 13.6784 1,117.5562
38 4.4388 0.2253 0.0116 85.9703 0.0516 19.3679 270.1754 13.9497 1,199.2584
39 4.6164 0.2166 0.0111 90.4091 0.0511 19.5845 278.4070 14.2157 1,285.2287
40 4.8010 0.2083 0.0105 95.0255 0.0505 19.7928 286.5303 14.4765 1,375.6379
41 4.9931 0.2003 0.0100 99.8265 0.0500 19.9931 294.5414 14.7322 1,470.6634
42 5.1928 0.1926 0.0095 104.8196 0.0495 20.1856 302.4370 14.9828 1,570.4899
43 5.4005 0.1852 0.0091 110.0124 0.0491 20.3708 310.2141 15.2284 1,675.3095
44 5.6165 0.1780 0.0087 115.4129 0.0487 20.5488 317.8700 15.4690 1,785.3219
45 5.8412 0.1712 0.0083 121.0294 0.0483 20.7200 325.4028 15.7047 1,900.7348
46 6.0748 0.1646 0.0079 126.8706 0.0479 20.8847 332.8104 15.9356 2,021.7642
47 6.3178 0.1583 0.0075 132.9454 0.0475 21.0429 340.0914 16.1618 2,148.6348
48 6.5705 0.1522 0.0072 139.2632 0.0472 21.1951 347.2446 16.3832 2,281.5802
49 6.8333 0.1463 0.0069 145.8337 0.0469 21.3415 354.2689 16.6000 2,420.8434
50 7.1067 0.1407 0.0066 152.6671 0.0466 21.4822 361.1638 16.8122 2,566.6771
55 8.6464 0.1157 0.0052 191.1592 0.0452 22.1086 393.6890 17.8070 3,403.9793
60 10.5196 0.0951 0.0042 237.9907 0.0442 22.6235 422.9966 18.6972 4,449.7671
65 12.7987 0.0781 0.0034 294.9684 0.0434 23.0467 449.2014 19.4909 5,749.2095
70 15.5716 0.0642 0.0027 364.2905 0.0427 23.3945 472.4789 20.1961 7,357.2615
72 16.8423 0.0594 0.0025 396.0566 0.0425 23.5156 481.0170 20.4552 8,101.4140
75 18.9453 0.0528 0.0022 448.6314 0.0422 23.6804 493.0408 20.8206 9,340.7842
80 23.0498 0.0434 0.0018 551.2450 0.0418 23.9154 511.1161 21.3718 11,781.1244
84 26.9650 0.0371 0.0015 649.1251 0.0415 24.0729 523.9431 21.7649 14,128.1280
85 28.0436 0.0357 0.0015 676.0901 0.0415 24.1085 526.9384 21.8569 14,777.2531
90 34.1193 0.0293 0.0012 827.9833 0.0412 24.2673 540.7369 22.2826 18,449.5833
96 43.1718 0.0232 0.0009 1,054.2960 0.0409 24.4209 554.9312 22.7236 23,957.4009
100 50.5049 0.0198 0.0008 1,237.6237 0.0408 24.5050 563.1249 22.9800 28,440.5926
105 61.4470 0.0163 0.0007 1,511.1748 0.0407 24.5931 572.1089 23.2629 35,154.3699
108 69.1195 0.0145 0.0006 1,702.9877 0.0406 24.6383 576.8949 23.4146 39,874.6931
114 87.4582 0.0114 0.0005 2,161.4557 0.0405 24.7141 585.2667 23.6814 51,186.3933
120 110.6626 0.0090 0.0004 2,741.5640 0.0404 24.7741 592.2428 23.9057 65,539.1005

Tablas generadas en Excel Javier Zertuche Garza


i= 5.00% Flujo de efectivo discreto: factores de interés compuesto 5.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0500 0.9524 1.0000 1.0000 1.0500 0.9524 0.0000 0.0000 0.0000
2 1.1025 0.9070 0.4878 2.0500 0.5378 1.8594 0.9070 0.4878 1.0000
3 1.1576 0.8638 0.3172 3.1525 0.3672 2.7232 2.6347 0.9675 3.0500
4 1.2155 0.8227 0.2320 4.3101 0.2820 3.5460 5.1028 1.4391 6.2025
5 1.2763 0.7835 0.1810 5.5256 0.2310 4.3295 8.2369 1.9025 10.5126
6 1.3401 0.7462 0.1470 6.8019 0.1970 5.0757 11.9680 2.3579 16.0383
7 1.4071 0.7107 0.1228 8.1420 0.1728 5.7864 16.2321 2.8052 22.8402
8 1.4775 0.6768 0.1047 9.5491 0.1547 6.4632 20.9700 3.2445 30.9822
9 1.5513 0.6446 0.0907 11.0266 0.1407 7.1078 26.1268 3.6758 40.5313
10 1.6289 0.6139 0.0795 12.5779 0.1295 7.7217 31.6520 4.0991 51.5579
11 1.7103 0.5847 0.0704 14.2068 0.1204 8.3064 37.4988 4.5144 64.1357
12 1.7959 0.5568 0.0628 15.9171 0.1128 8.8633 43.6241 4.9219 78.3425
13 1.8856 0.5303 0.0565 17.7130 0.1065 9.3936 49.9879 5.3215 94.2597
14 1.9799 0.5051 0.0510 19.5986 0.1010 9.8986 56.5538 5.7133 111.9726
15 2.0789 0.4810 0.0463 21.5786 0.0963 10.3797 63.2880 6.0973 131.5713
16 2.1829 0.4581 0.0423 23.6575 0.0923 10.8378 70.1597 6.4736 153.1498
17 2.2920 0.4363 0.0387 25.8404 0.0887 11.2741 77.1405 6.8423 176.8073
18 2.4066 0.4155 0.0355 28.1324 0.0855 11.6896 84.2043 7.2034 202.6477
19 2.5270 0.3957 0.0327 30.5390 0.0827 12.0853 91.3275 7.5569 230.7801
20 2.6533 0.3769 0.0302 33.0660 0.0802 12.4622 98.4884 7.9030 261.3191
21 2.7860 0.3589 0.0280 35.7193 0.0780 12.8212 105.6673 8.2416 294.3850
22 2.9253 0.3418 0.0260 38.5052 0.0760 13.1630 112.8461 8.5730 330.1043
23 3.0715 0.3256 0.0241 41.4305 0.0741 13.4886 120.0087 8.8971 368.6095
24 3.2251 0.3101 0.0225 44.5020 0.0725 13.7986 127.1402 9.2140 410.0400
25 3.3864 0.2953 0.0210 47.7271 0.0710 14.0939 134.2275 9.5238 454.5420
26 3.5557 0.2812 0.0196 51.1135 0.0696 14.3752 141.2585 9.8266 502.2691
27 3.7335 0.2678 0.0183 54.6691 0.0683 14.6430 148.2226 10.1224 553.3825
28 3.9201 0.2551 0.0171 58.4026 0.0671 14.8981 155.1101 10.4114 608.0517
29 4.1161 0.2429 0.0160 62.3227 0.0660 15.1411 161.9126 10.6936 666.4542
30 4.3219 0.2314 0.0151 66.4388 0.0651 15.3725 168.6226 10.9691 728.7770
31 4.5380 0.2204 0.0141 70.7608 0.0641 15.5928 175.2333 11.2381 795.2158
32 4.7649 0.2099 0.0133 75.2988 0.0633 15.8027 181.7392 11.5005 865.9766
33 5.0032 0.1999 0.0125 80.0638 0.0625 16.0025 188.1351 11.7566 941.2754
34 5.2533 0.1904 0.0118 85.0670 0.0618 16.1929 194.4168 12.0063 1,021.3392
35 5.5160 0.1813 0.0111 90.3203 0.0611 16.3742 200.5807 12.2498 1,106.4061
36 5.7918 0.1727 0.0104 95.8363 0.0604 16.5469 206.6237 12.4872 1,196.7265
37 6.0814 0.1644 0.0098 101.6281 0.0598 16.7113 212.5434 12.7186 1,292.5628
38 6.3855 0.1566 0.0093 107.7095 0.0593 16.8679 218.3378 12.9440 1,394.1909
39 6.7048 0.1491 0.0088 114.0950 0.0588 17.0170 224.0054 13.1636 1,501.9005
40 7.0400 0.1420 0.0083 120.7998 0.0583 17.1591 229.5452 13.3775 1,615.9955
41 7.3920 0.1353 0.0078 127.8398 0.0578 17.2944 234.9564 13.5857 1,736.7953
42 7.7616 0.1288 0.0074 135.2318 0.0574 17.4232 240.2389 13.7884 1,864.6350
43 8.1497 0.1227 0.0070 142.9933 0.0570 17.5459 245.3925 13.9857 1,999.8668
44 8.5572 0.1169 0.0066 151.1430 0.0566 17.6628 250.4175 14.1777 2,142.8601
45 8.9850 0.1113 0.0063 159.7002 0.0563 17.7741 255.3145 14.3644 2,294.0031
46 9.4343 0.1060 0.0059 168.6852 0.0559 17.8801 260.0844 14.5461 2,453.7033
47 9.9060 0.1009 0.0056 178.1194 0.0556 17.9810 264.7281 14.7226 2,622.3884
48 10.4013 0.0961 0.0053 188.0254 0.0553 18.0772 269.2467 14.8943 2,800.5079
49 10.9213 0.0916 0.0050 198.4267 0.0550 18.1687 273.6418 15.0611 2,988.5333
50 11.4674 0.0872 0.0048 209.3480 0.0548 18.2559 277.9148 15.2233 3,186.9599
55 14.6356 0.0683 0.0037 272.7126 0.0537 18.6335 297.5104 15.9664 4,354.2524
60 18.6792 0.0535 0.0028 353.5837 0.0528 18.9293 314.3432 16.6062 5,871.6744
65 23.8399 0.0419 0.0022 456.7980 0.0522 19.1611 328.6910 17.1541 7,835.9602
70 30.4264 0.0329 0.0017 588.5285 0.0517 19.3427 340.8409 17.6212 10,370.5702
72 33.5451 0.0298 0.0015 650.9027 0.0515 19.4038 345.1485 17.7877 11,578.0537
75 38.8327 0.0258 0.0013 756.6537 0.0513 19.4850 351.0721 18.0176 13,633.0744
80 49.5614 0.0202 0.0010 971.2288 0.0510 19.5965 359.6460 18.3526 17,824.5764
84 60.2422 0.0166 0.0008 1,184.8448 0.0508 19.6680 365.4727 18.5821 22,016.8966
85 63.2544 0.0158 0.0008 1,245.0871 0.0508 19.6838 366.8007 18.6346 23,201.7414
90 80.7304 0.0124 0.0006 1,594.6073 0.0506 19.7523 372.7488 18.8712 30,092.1460
96 108.1864 0.0092 0.0005 2,143.7282 0.0505 19.8151 378.5555 19.1044 40,954.5641
100 131.5013 0.0076 0.0004 2,610.0252 0.0504 19.8479 381.7492 19.2337 50,200.5031
105 167.8326 0.0060 0.0003 3,336.6526 0.0503 19.8808 385.1042 19.3706 64,633.0523
108 194.2872 0.0051 0.0003 3,865.7450 0.0503 19.8971 386.8236 19.4412 75,154.8997
114 260.3635 0.0038 0.0002 5,187.2699 0.0502 19.9232 389.7067 19.5605 101,465.3983
120 348.9120 0.0029 0.0001 6,958.2397 0.0501 19.9427 391.9751 19.6551 136,764.7943

Tablas generadas en Excel Javier Zertuche Garza


i= 6.00% Flujo de efectivo discreto: factores de interés compuesto 6.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0600 0.9434 1.0000 1.0000 1.0600 0.9434 0.0000 0.0000 0.0000
2 1.1236 0.8900 0.4854 2.0600 0.5454 1.8334 0.8900 0.4854 1.0000
3 1.1910 0.8396 0.3141 3.1836 0.3741 2.6730 2.5692 0.9612 3.0600
4 1.2625 0.7921 0.2286 4.3746 0.2886 3.4651 4.9455 1.4272 6.2436
5 1.3382 0.7473 0.1774 5.6371 0.2374 4.2124 7.9345 1.8836 10.6182
6 1.4185 0.7050 0.1434 6.9753 0.2034 4.9173 11.4594 2.3304 16.2553
7 1.5036 0.6651 0.1191 8.3938 0.1791 5.5824 15.4497 2.7676 23.2306
8 1.5938 0.6274 0.1010 9.8975 0.1610 6.2098 19.8416 3.1952 31.6245
9 1.6895 0.5919 0.0870 11.4913 0.1470 6.8017 24.5768 3.6133 41.5219
10 1.7908 0.5584 0.0759 13.1808 0.1359 7.3601 29.6023 4.0220 53.0132
11 1.8983 0.5268 0.0668 14.9716 0.1268 7.8869 34.8702 4.4213 66.1940
12 2.0122 0.4970 0.0593 16.8699 0.1193 8.3838 40.3369 4.8113 81.1657
13 2.1329 0.4688 0.0530 18.8821 0.1130 8.8527 45.9629 5.1920 98.0356
14 2.2609 0.4423 0.0476 21.0151 0.1076 9.2950 51.7128 5.5635 116.9178
15 2.3966 0.4173 0.0430 23.2760 0.1030 9.7122 57.5546 5.9260 137.9328
16 2.5404 0.3936 0.0390 25.6725 0.0990 10.1059 63.4592 6.2794 161.2088
17 2.6928 0.3714 0.0354 28.2129 0.0954 10.4773 69.4011 6.6240 186.8813
18 2.8543 0.3503 0.0324 30.9057 0.0924 10.8276 75.3569 6.9597 215.0942
19 3.0256 0.3305 0.0296 33.7600 0.0896 11.1581 81.3062 7.2867 245.9999
20 3.2071 0.3118 0.0272 36.7856 0.0872 11.4699 87.2304 7.6051 279.7599
21 3.3996 0.2942 0.0250 39.9927 0.0850 11.7641 93.1136 7.9151 316.5454
22 3.6035 0.2775 0.0230 43.3923 0.0830 12.0416 98.9412 8.2166 356.5382
23 3.8197 0.2618 0.0213 46.9958 0.0813 12.3034 104.7007 8.5099 399.9305
24 4.0489 0.2470 0.0197 50.8156 0.0797 12.5504 110.3812 8.7951 446.9263
25 4.2919 0.2330 0.0182 54.8645 0.0782 12.7834 115.9732 9.0722 497.7419
26 4.5494 0.2198 0.0169 59.1564 0.0769 13.0032 121.4684 9.3414 552.6064
27 4.8223 0.2074 0.0157 63.7058 0.0757 13.2105 126.8600 9.6029 611.7628
28 5.1117 0.1956 0.0146 68.5281 0.0746 13.4062 132.1420 9.8568 675.4685
29 5.4184 0.1846 0.0136 73.6398 0.0736 13.5907 137.3096 10.1032 743.9966
30 5.7435 0.1741 0.0126 79.0582 0.0726 13.7648 142.3588 10.3422 817.6364
31 6.0881 0.1643 0.0118 84.8017 0.0718 13.9291 147.2864 10.5740 896.6946
32 6.4534 0.1550 0.0110 90.8898 0.0710 14.0840 152.0901 10.7988 981.4963
33 6.8406 0.1462 0.0103 97.3432 0.0703 14.2302 156.7681 11.0166 1,072.3861
34 7.2510 0.1379 0.0096 104.1838 0.0696 14.3681 161.3192 11.2276 1,169.7292
35 7.6861 0.1301 0.0090 111.4348 0.0690 14.4982 165.7427 11.4319 1,273.9130
36 8.1473 0.1227 0.0084 119.1209 0.0684 14.6210 170.0387 11.6298 1,385.3478
37 8.6361 0.1158 0.0079 127.2681 0.0679 14.7368 174.2072 11.8213 1,504.4686
38 9.1543 0.1092 0.0074 135.9042 0.0674 14.8460 178.2490 12.0065 1,631.7368
39 9.7035 0.1031 0.0069 145.0585 0.0669 14.9491 182.1652 12.1857 1,767.6410
40 10.2857 0.0972 0.0065 154.7620 0.0665 15.0463 185.9568 12.3590 1,912.6994
41 10.9029 0.0917 0.0061 165.0477 0.0661 15.1380 189.6256 12.5264 2,067.4614
42 11.5570 0.0865 0.0057 175.9505 0.0657 15.2245 193.1732 12.6883 2,232.5091
43 12.2505 0.0816 0.0053 187.5076 0.0653 15.3062 196.6017 12.8446 2,408.4596
44 12.9855 0.0770 0.0050 199.7580 0.0650 15.3832 199.9130 12.9956 2,595.9672
45 13.7646 0.0727 0.0047 212.7435 0.0647 15.4558 203.1096 13.1413 2,795.7252
46 14.5905 0.0685 0.0044 226.5081 0.0644 15.5244 206.1938 13.2819 3,008.4687
47 15.4659 0.0647 0.0041 241.0986 0.0641 15.5890 209.1681 13.4177 3,234.9769
48 16.3939 0.0610 0.0039 256.5645 0.0639 15.6500 212.0351 13.5485 3,476.0755
49 17.3775 0.0575 0.0037 272.9584 0.0637 15.7076 214.7972 13.6748 3,732.6400
50 18.4202 0.0543 0.0034 290.3359 0.0634 15.7619 217.4574 13.7964 4,005.5984
55 24.6503 0.0406 0.0025 394.1720 0.0625 15.9905 229.3222 14.3411 5,652.8671
60 32.9877 0.0303 0.0019 533.1282 0.0619 16.1614 239.0428 14.7909 7,885.4697
65 44.1450 0.0227 0.0014 719.0829 0.0614 16.2891 246.9450 15.1601 10,901.3810
70 59.0759 0.0169 0.0010 967.9322 0.0610 16.3845 253.3271 15.4613 14,965.5362
72 66.3777 0.0151 0.0009 1,089.6286 0.0609 16.4156 255.5146 15.5654 16,960.4764
75 79.0569 0.0126 0.0008 1,300.9487 0.0608 16.4558 258.4527 15.7058 20,432.4780
80 105.7960 0.0095 0.0006 1,746.5999 0.0606 16.5091 262.5493 15.9033 27,776.6649
84 133.5650 0.0075 0.0005 2,209.4167 0.0605 16.5419 265.2163 16.0330 35,423.6123
85 141.5789 0.0071 0.0004 2,342.9817 0.0604 16.5489 265.8096 16.0620 37,633.0290
90 189.4645 0.0053 0.0003 3,141.0752 0.0603 16.5787 268.3946 16.1891 50,851.2531
96 268.7590 0.0037 0.0002 4,462.6505 0.0602 16.6047 270.7909 16.3081 72,777.5084
100 339.3021 0.0029 0.0002 5,638.3681 0.0602 16.6175 272.0471 16.3711 92,306.1343
105 454.0627 0.0022 0.0001 7,551.0454 0.0601 16.6300 273.3119 16.4349 124,100.7574
108 540.7960 0.0018 0.0001 8,996.5995 0.0601 16.6358 273.9357 16.4666 148,143.3257
114 767.1294 0.0013 0.0001 12,768.8237 0.0601 16.6449 274.9389 16.5179 210,913.7286
120 1,088.1877 0.0009 0.0001 18,119.7958 0.0601 16.6514 275.6846 16.5563 299,996.5966

Tablas generadas en Excel Javier Zertuche Garza


i= 7.00% Flujo de efectivo discreto: factores de interés compuesto 7.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0700 0.9346 1.0000 1.0000 1.0700 0.9346 0.0000 0.0000 0.0000
2 1.1449 0.8734 0.4831 2.0700 0.5531 1.8080 0.8734 0.4831 1.0000
3 1.2250 0.8163 0.3111 3.2149 0.3811 2.6243 2.5060 0.9549 3.0700
4 1.3108 0.7629 0.2252 4.4399 0.2952 3.3872 4.7947 1.4155 6.2849
5 1.4026 0.7130 0.1739 5.7507 0.2439 4.1002 7.6467 1.8650 10.7248
6 1.5007 0.6663 0.1398 7.1533 0.2098 4.7665 10.9784 2.3032 16.4756
7 1.6058 0.6227 0.1156 8.6540 0.1856 5.3893 14.7149 2.7304 23.6289
8 1.7182 0.5820 0.0975 10.2598 0.1675 5.9713 18.7889 3.1465 32.2829
9 1.8385 0.5439 0.0835 11.9780 0.1535 6.5152 23.1404 3.5517 42.5427
10 1.9672 0.5083 0.0724 13.8164 0.1424 7.0236 27.7156 3.9461 54.5207
11 2.1049 0.4751 0.0634 15.7836 0.1334 7.4987 32.4665 4.3296 68.3371
12 2.2522 0.4440 0.0559 17.8885 0.1259 7.9427 37.3506 4.7025 84.1207
13 2.4098 0.4150 0.0497 20.1406 0.1197 8.3577 42.3302 5.0648 102.0092
14 2.5785 0.3878 0.0443 22.5505 0.1143 8.7455 47.3718 5.4167 122.1498
15 2.7590 0.3624 0.0398 25.1290 0.1098 9.1079 52.4461 5.7583 144.7003
16 2.9522 0.3387 0.0359 27.8881 0.1059 9.4466 57.5271 6.0897 169.8293
17 3.1588 0.3166 0.0324 30.8402 0.1024 9.7632 62.5923 6.4110 197.7174
18 3.3799 0.2959 0.0294 33.9990 0.0994 10.0591 67.6219 6.7225 228.5576
19 3.6165 0.2765 0.0268 37.3790 0.0968 10.3356 72.5991 7.0242 262.5566
20 3.8697 0.2584 0.0244 40.9955 0.0944 10.5940 77.5091 7.3163 299.9356
21 4.1406 0.2415 0.0223 44.8652 0.0923 10.8355 82.3393 7.5990 340.9311
22 4.4304 0.2257 0.0204 49.0057 0.0904 11.0612 87.0793 7.8725 385.7963
23 4.7405 0.2109 0.0187 53.4361 0.0887 11.2722 91.7201 8.1369 434.8020
24 5.0724 0.1971 0.0172 58.1767 0.0872 11.4693 96.2545 8.3923 488.2382
25 5.4274 0.1842 0.0158 63.2490 0.0858 11.6536 100.6765 8.6391 546.4148
26 5.8074 0.1722 0.0146 68.6765 0.0846 11.8258 104.9814 8.8773 609.6639
27 6.2139 0.1609 0.0134 74.4838 0.0834 11.9867 109.1656 9.1072 678.3403
28 6.6488 0.1504 0.0124 80.6977 0.0824 12.1371 113.2264 9.3289 752.8242
29 7.1143 0.1406 0.0114 87.3465 0.0814 12.2777 117.1622 9.5427 833.5218
30 7.6123 0.1314 0.0106 94.4608 0.0806 12.4090 120.9718 9.7487 920.8684
31 8.1451 0.1228 0.0098 102.0730 0.0798 12.5318 124.6550 9.9471 1,015.3292
32 8.7153 0.1147 0.0091 110.2182 0.0791 12.6466 128.2120 10.1381 1,117.4022
33 9.3253 0.1072 0.0084 118.9334 0.0784 12.7538 131.6435 10.3219 1,227.6204
34 9.9781 0.1002 0.0078 128.2588 0.0778 12.8540 134.9507 10.4987 1,346.5538
35 10.6766 0.0937 0.0072 138.2369 0.0772 12.9477 138.1353 10.6687 1,474.8125
36 11.4239 0.0875 0.0067 148.9135 0.0767 13.0352 141.1990 10.8321 1,613.0494
37 12.2236 0.0818 0.0062 160.3374 0.0762 13.1170 144.1441 10.9891 1,761.9629
38 13.0793 0.0765 0.0058 172.5610 0.0758 13.1935 146.9730 11.1398 1,922.3003
39 13.9948 0.0715 0.0054 185.6403 0.0754 13.2649 149.6883 11.2845 2,094.8613
40 14.9745 0.0668 0.0050 199.6351 0.0750 13.3317 152.2928 11.4233 2,280.5016
41 16.0227 0.0624 0.0047 214.6096 0.0747 13.3941 154.7892 11.5565 2,480.1367
42 17.1443 0.0583 0.0043 230.6322 0.0743 13.4524 157.1807 11.6842 2,694.7463
43 18.3444 0.0545 0.0040 247.7765 0.0740 13.5070 159.4702 11.8065 2,925.3785
44 19.6285 0.0509 0.0038 266.1209 0.0738 13.5579 161.6609 11.9237 3,173.1550
45 21.0025 0.0476 0.0035 285.7493 0.0735 13.6055 163.7559 12.0360 3,439.2759
46 22.4726 0.0445 0.0033 306.7518 0.0733 13.6500 165.7584 12.1435 3,725.0252
47 24.0457 0.0416 0.0030 329.2244 0.0730 13.6916 167.6714 12.2463 4,031.7769
48 25.7289 0.0389 0.0028 353.2701 0.0728 13.7305 169.4981 12.3447 4,361.0013
49 27.5299 0.0363 0.0026 378.9990 0.0726 13.7668 171.2417 12.4387 4,714.2714
50 29.4570 0.0339 0.0025 406.5289 0.0725 13.8007 172.9051 12.5287 5,093.2704
55 41.3150 0.0242 0.0017 575.9286 0.0717 13.9399 180.1243 12.9215 7,441.8370
60 57.9464 0.0173 0.0012 813.5204 0.0712 14.0392 185.7677 13.2321 10,764.5769
65 81.2729 0.0123 0.0009 1,146.7552 0.0709 14.1099 190.1452 13.4760 15,453.6452
70 113.9894 0.0088 0.0006 1,614.1342 0.0706 14.1604 193.5185 13.6662 22,059.0596
72 130.5065 0.0077 0.0005 1,850.0922 0.0705 14.1763 194.6365 13.7298 25,401.3174
75 159.8760 0.0063 0.0004 2,269.6574 0.0704 14.1964 196.1035 13.8136 31,352.2488
80 224.2344 0.0045 0.0003 3,189.0627 0.0703 14.2220 198.0748 13.9273 44,415.1811
84 293.9255 0.0034 0.0002 4,184.6506 0.0702 14.2371 199.3046 13.9990 58,580.7226
85 314.5003 0.0032 0.0002 4,478.5761 0.0702 14.2403 199.5717 14.0146 62,765.3731
90 441.1030 0.0023 0.0002 6,287.1854 0.0702 14.2533 200.7042 14.0812 88,531.2204
96 661.9766 0.0015 0.0001 9,442.5233 0.0701 14.2641 201.7016 14.1405 133,521.7613
100 867.7163 0.0012 0.0001 12,381.6618 0.0701 14.2693 202.2001 14.1703 175,452.3113
105 1,217.0170 0.0008 0.0001 17,371.6719 0.0701 14.2740 202.6814 14.1994 246,666.7417
108 1,490.8982 0.0007 0.0000 21,284.2600 0.0700 14.2761 202.9099 14.2132 302,517.9997
114 2,237.4362 0.0004 0.0000 31,949.0883 0.0700 14.2793 203.2625 14.2347 454,786.9751
120 3,357.7884 0.0003 0.0000 47,954.1198 0.0700 14.2815 203.5103 14.2500 683,344.5679

Tablas generadas en Excel Javier Zertuche Garza


i= 8.00% Flujo de efectivo discreto: factores de interés compuesto 8.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0800 0.9259 1.0000 1.0000 1.0800 0.9259 0.0000 0.0000 0.0000
2 1.1664 0.8573 0.4808 2.0800 0.5608 1.7833 0.8573 0.4808 1.0000
3 1.2597 0.7938 0.3080 3.2464 0.3880 2.5771 2.4450 0.9487 3.0800
4 1.3605 0.7350 0.2219 4.5061 0.3019 3.3121 4.6501 1.4040 6.3264
5 1.4693 0.6806 0.1705 5.8666 0.2505 3.9927 7.3724 1.8465 10.8325
6 1.5869 0.6302 0.1363 7.3359 0.2163 4.6229 10.5233 2.2763 16.6991
7 1.7138 0.5835 0.1121 8.9228 0.1921 5.2064 14.0242 2.6937 24.0350
8 1.8509 0.5403 0.0940 10.6366 0.1740 5.7466 17.8061 3.0985 32.9578
9 1.9990 0.5002 0.0801 12.4876 0.1601 6.2469 21.8081 3.4910 43.5945
10 2.1589 0.4632 0.0690 14.4866 0.1490 6.7101 25.9768 3.8713 56.0820
11 2.3316 0.4289 0.0601 16.6455 0.1401 7.1390 30.2657 4.2395 70.5686
12 2.5182 0.3971 0.0527 18.9771 0.1327 7.5361 34.6339 4.5957 87.2141
13 2.7196 0.3677 0.0465 21.4953 0.1265 7.9038 39.0463 4.9402 106.1912
14 2.9372 0.3405 0.0413 24.2149 0.1213 8.2442 43.4723 5.2731 127.6865
15 3.1722 0.3152 0.0368 27.1521 0.1168 8.5595 47.8857 5.5945 151.9014
16 3.4259 0.2919 0.0330 30.3243 0.1130 8.8514 52.2640 5.9046 179.0535
17 3.7000 0.2703 0.0296 33.7502 0.1096 9.1216 56.5883 6.2037 209.3778
18 3.9960 0.2502 0.0267 37.4502 0.1067 9.3719 60.8426 6.4920 243.1280
19 4.3157 0.2317 0.0241 41.4463 0.1041 9.6036 65.0134 6.7697 280.5783
20 4.6610 0.2145 0.0219 45.7620 0.1019 9.8181 69.0898 7.0369 322.0246
21 5.0338 0.1987 0.0198 50.4229 0.0998 10.0168 73.0629 7.2940 367.7865
22 5.4365 0.1839 0.0180 55.4568 0.0980 10.2007 76.9257 7.5412 418.2094
23 5.8715 0.1703 0.0164 60.8933 0.0964 10.3711 80.6726 7.7786 473.6662
24 6.3412 0.1577 0.0150 66.7648 0.0950 10.5288 84.2997 8.0066 534.5595
25 6.8485 0.1460 0.0137 73.1059 0.0937 10.6748 87.8041 8.2254 601.3242
26 7.3964 0.1352 0.0125 79.9544 0.0925 10.8100 91.1842 8.4352 674.4302
27 7.9881 0.1252 0.0114 87.3508 0.0914 10.9352 94.4390 8.6363 754.3846
28 8.6271 0.1159 0.0105 95.3388 0.0905 11.0511 97.5687 8.8289 841.7354
29 9.3173 0.1073 0.0096 103.9659 0.0896 11.1584 100.5738 9.0133 937.0742
30 10.0627 0.0994 0.0088 113.2832 0.0888 11.2578 103.4558 9.1897 1,041.0401
31 10.8677 0.0920 0.0081 123.3459 0.0881 11.3498 106.2163 9.3584 1,154.3234
32 11.7371 0.0852 0.0075 134.2135 0.0875 11.4350 108.8575 9.5197 1,277.6692
33 12.6760 0.0789 0.0069 145.9506 0.0869 11.5139 111.3819 9.6737 1,411.8828
34 13.6901 0.0730 0.0063 158.6267 0.0863 11.5869 113.7924 9.8208 1,557.8334
35 14.7853 0.0676 0.0058 172.3168 0.0858 11.6546 116.0920 9.9611 1,716.4600
36 15.9682 0.0626 0.0053 187.1021 0.0853 11.7172 118.2839 10.0949 1,888.7768
37 17.2456 0.0580 0.0049 203.0703 0.0849 11.7752 120.3713 10.2225 2,075.8790
38 18.6253 0.0537 0.0045 220.3159 0.0845 11.8289 122.3579 10.3440 2,278.9493
39 20.1153 0.0497 0.0042 238.9412 0.0842 11.8786 124.2470 10.4597 2,499.2653
40 21.7245 0.0460 0.0039 259.0565 0.0839 11.9246 126.0422 10.5699 2,738.2065
41 23.4625 0.0426 0.0036 280.7810 0.0836 11.9672 127.7470 10.6747 2,997.2630
42 25.3395 0.0395 0.0033 304.2435 0.0833 12.0067 129.3651 10.7744 3,278.0440
43 27.3666 0.0365 0.0030 329.5830 0.0830 12.0432 130.8998 10.8692 3,582.2876
44 29.5560 0.0338 0.0028 356.9496 0.0828 12.0771 132.3547 10.9592 3,911.8706
45 31.9204 0.0313 0.0026 386.5056 0.0826 12.1084 133.7331 11.0447 4,268.8202
46 34.4741 0.0290 0.0024 418.4261 0.0824 12.1374 135.0384 11.1258 4,655.3258
47 37.2320 0.0269 0.0022 452.9002 0.0822 12.1643 136.2739 11.2028 5,073.7519
48 40.2106 0.0249 0.0020 490.1322 0.0820 12.1891 137.4428 11.2758 5,526.6521
49 43.4274 0.0230 0.0019 530.3427 0.0819 12.2122 138.5480 11.3451 6,016.7842
50 46.9016 0.0213 0.0017 573.7702 0.0817 12.2335 139.5928 11.4107 6,547.1270
55 68.9139 0.0145 0.0012 848.9232 0.0812 12.3186 144.0065 11.6902 9,924.0400
60 101.2571 0.0099 0.0008 1,253.2133 0.0808 12.3766 147.3000 11.9015 14,915.1662
65 148.7798 0.0067 0.0005 1,847.2481 0.0805 12.4160 149.7387 12.0602 22,278.1010
70 218.6064 0.0046 0.0004 2,720.0801 0.0804 12.4428 151.5326 12.1783 33,126.0009
72 254.9825 0.0039 0.0003 3,174.7814 0.0803 12.4510 152.1076 12.2165 38,784.7675
75 321.2045 0.0031 0.0002 4,002.5566 0.0802 12.4611 152.8448 12.2658 49,094.4578
80 471.9548 0.0021 0.0002 5,886.9354 0.0802 12.4735 153.8001 12.3301 72,586.6929
84 642.0893 0.0016 0.0001 8,013.6168 0.0801 12.4805 154.3714 12.3690 99,120.2096
85 693.4565 0.0014 0.0001 8,655.7061 0.0801 12.4820 154.4925 12.3772 107,133.8264
90 1,018.9151 0.0010 0.0001 12,723.9386 0.0801 12.4877 154.9925 12.4116 157,924.2327
96 1,616.8902 0.0006 0.0000 20,198.6274 0.0800 12.4923 155.4112 12.4406 251,282.8426
100 2,199.7613 0.0005 0.0000 27,484.5157 0.0800 12.4943 155.6107 12.4545 342,306.4463
105 3,232.1710 0.0003 0.0000 40,389.6372 0.0800 12.4961 155.7956 12.4675 503,557.9650
108 4,071.6046 0.0002 0.0000 50,882.5571 0.0800 12.4969 155.8801 12.4735 634,681.9632
114 6,461.1247 0.0002 0.0000 80,751.5592 0.0800 12.4981 156.0053 12.4824 1,007,969.4902
120 10,252.9929 0.0001 0.0000 128,149.9118 0.0800 12.4988 156.0885 12.4883 1,600,373.8973

Tablas generadas en Excel Javier Zertuche Garza


i= 9.00% Flujo de efectivo discreto: factores de interés compuesto 9.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.0900 0.9174 1.0000 1.0000 1.0900 0.9174 0.0000 0.0000 0.0000
2 1.1881 0.8417 0.4785 2.0900 0.5685 1.7591 0.8417 0.4785 1.0000
3 1.2950 0.7722 0.3051 3.2781 0.3951 2.5313 2.3860 0.9426 3.0900
4 1.4116 0.7084 0.2187 4.5731 0.3087 3.2397 4.5113 1.3925 6.3681
5 1.5386 0.6499 0.1671 5.9847 0.2571 3.8897 7.1110 1.8282 10.9412
6 1.6771 0.5963 0.1329 7.5233 0.2229 4.4859 10.0924 2.2498 16.9259
7 1.8280 0.5470 0.1087 9.2004 0.1987 5.0330 13.3746 2.6574 24.4493
8 1.9926 0.5019 0.0907 11.0285 0.1807 5.5348 16.8877 3.0512 33.6497
9 2.1719 0.4604 0.0768 13.0210 0.1668 5.9952 20.5711 3.4312 44.6782
10 2.3674 0.4224 0.0658 15.1929 0.1558 6.4177 24.3728 3.7978 57.6992
11 2.5804 0.3875 0.0569 17.5603 0.1469 6.8052 28.2481 4.1510 72.8921
12 2.8127 0.3555 0.0497 20.1407 0.1397 7.1607 32.1590 4.4910 90.4524
13 3.0658 0.3262 0.0436 22.9534 0.1336 7.4869 36.0731 4.8182 110.5932
14 3.3417 0.2992 0.0384 26.0192 0.1284 7.7862 39.9633 5.1326 133.5465
15 3.6425 0.2745 0.0341 29.3609 0.1241 8.0607 43.8069 5.4346 159.5657
16 3.9703 0.2519 0.0303 33.0034 0.1203 8.3126 47.5849 5.7245 188.9267
17 4.3276 0.2311 0.0270 36.9737 0.1170 8.5436 51.2821 6.0024 221.9301
18 4.7171 0.2120 0.0242 41.3013 0.1142 8.7556 54.8860 6.2687 258.9038
19 5.1417 0.1945 0.0217 46.0185 0.1117 8.9501 58.3868 6.5236 300.2051
20 5.6044 0.1784 0.0195 51.1601 0.1095 9.1285 61.7770 6.7674 346.2236
21 6.1088 0.1637 0.0176 56.7645 0.1076 9.2922 65.0509 7.0006 397.3837
22 6.6586 0.1502 0.0159 62.8733 0.1059 9.4424 68.2048 7.2232 454.1482
23 7.2579 0.1378 0.0144 69.5319 0.1044 9.5802 71.2359 7.4357 517.0215
24 7.9111 0.1264 0.0130 76.7898 0.1030 9.7066 74.1433 7.6384 586.5535
25 8.6231 0.1160 0.0118 84.7009 0.1018 9.8226 76.9265 7.8316 663.3433
26 9.3992 0.1064 0.0107 93.3240 0.1007 9.9290 79.5863 8.0156 748.0442
27 10.2451 0.0976 0.0097 102.7231 0.0997 10.0266 82.1241 8.1906 841.3682
28 11.1671 0.0895 0.0089 112.9682 0.0989 10.1161 84.5419 8.3571 944.0913
29 12.1722 0.0822 0.0081 124.1354 0.0981 10.1983 86.8422 8.5154 1,057.0595
30 13.2677 0.0754 0.0073 136.3075 0.0973 10.2737 89.0280 8.6657 1,181.1949
31 14.4618 0.0691 0.0067 149.5752 0.0967 10.3428 91.1024 8.8083 1,317.5024
32 15.7633 0.0634 0.0061 164.0370 0.0961 10.4062 93.0690 8.9436 1,467.0776
33 17.1820 0.0582 0.0056 179.8003 0.0956 10.4644 94.9314 9.0718 1,631.1146
34 18.7284 0.0534 0.0051 196.9823 0.0951 10.5178 96.6935 9.1933 1,810.9149
35 20.4140 0.0490 0.0046 215.7108 0.0946 10.5668 98.3590 9.3083 2,007.8973
36 22.2512 0.0449 0.0042 236.1247 0.0942 10.6118 99.9319 9.4171 2,223.6080
37 24.2538 0.0412 0.0039 258.3759 0.0939 10.6530 101.4162 9.5200 2,459.7328
38 26.4367 0.0378 0.0035 282.6298 0.0935 10.6908 102.8158 9.6172 2,718.1087
39 28.8160 0.0347 0.0032 309.0665 0.0932 10.7255 104.1345 9.7090 3,000.7385
40 31.4094 0.0318 0.0030 337.8824 0.0930 10.7574 105.3762 9.7957 3,309.8049
41 34.2363 0.0292 0.0027 369.2919 0.0927 10.7866 106.5445 9.8775 3,647.6874
42 37.3175 0.0268 0.0025 403.5281 0.0925 10.8134 107.6432 9.9546 4,016.9793
43 40.6761 0.0246 0.0023 440.8457 0.0923 10.8380 108.6758 10.0273 4,420.5074
44 44.3370 0.0226 0.0021 481.5218 0.0921 10.8605 109.6456 10.0958 4,861.3531
45 48.3273 0.0207 0.0019 525.8587 0.0919 10.8812 110.5561 10.1603 5,342.8748
46 52.6767 0.0190 0.0017 574.1860 0.0917 10.9002 111.4103 10.2210 5,868.7336
47 57.4176 0.0174 0.0016 626.8628 0.0916 10.9176 112.2115 10.2780 6,442.9196
48 62.5852 0.0160 0.0015 684.2804 0.0915 10.9336 112.9625 10.3317 7,069.7823
49 68.2179 0.0147 0.0013 746.8656 0.0913 10.9482 113.6661 10.3821 7,754.0628
50 74.3575 0.0134 0.0012 815.0836 0.0912 10.9617 114.3251 10.4295 8,500.9284
55 114.4083 0.0087 0.0008 1,260.0918 0.0908 11.0140 117.0362 10.6261 13,389.9088
60 176.0313 0.0057 0.0005 1,944.7921 0.0905 11.0480 118.9683 10.7683 20,942.1348
65 270.8460 0.0037 0.0003 2,998.2885 0.0903 11.0701 120.3344 10.8702 32,592.0942
70 416.7301 0.0024 0.0002 4,619.2232 0.0902 11.0844 121.2942 10.9427 50,546.9242
72 495.1170 0.0020 0.0002 5,490.1891 0.0902 11.0887 121.5917 10.9654 60,202.1007
75 641.1909 0.0016 0.0001 7,113.2321 0.0901 11.0938 121.9646 10.9940 78,202.5794
80 986.5517 0.0010 0.0001 10,950.5741 0.0901 11.0998 122.4306 11.0299 120,784.1566
84 1,392.5982 0.0007 0.0001 15,462.2021 0.0901 11.1031 122.6979 11.0507 170,868.9126
85 1,517.9320 0.0007 0.0001 16,854.8003 0.0901 11.1038 122.7533 11.0551 186,331.1147
90 2,335.5266 0.0004 0.0000 25,939.1842 0.0900 11.1064 122.9758 11.0726 287,213.1583
96 3,916.9119 0.0003 0.0000 43,510.1321 0.0900 11.1083 123.1529 11.0866 482,379.2457
100 5,529.0408 0.0002 0.0000 61,422.6755 0.0900 11.1091 123.2335 11.0930 681,363.0607
105 8,507.1146 0.0001 0.0000 94,512.3846 0.0900 11.1098 123.3051 11.0988 1,048,970.9395
108 11,016.9601 0.0001 0.0000 122,399.5570 0.0900 11.1101 123.3367 11.1013 1,358,795.0773
114 18,476.5450 0.0001 0.0000 205,283.8339 0.0900 11.1105 123.3816 11.1049 2,279,664.8208
120 30,987.0157 0.0000 0.0000 344,289.0639 0.0900 11.1108 123.4098 11.1072 3,824,100.7098

Tablas generadas en Excel Javier Zertuche Garza


i= 10.00% Flujo de efectivo discreto: factores de interés compuesto 10.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.1000 0.9091 1.0000 1.0000 1.1000 0.9091 0.0000 0.0000 0.0000
2 1.2100 0.8264 0.4762 2.1000 0.5762 1.7355 0.8264 0.4762 1.0000
3 1.3310 0.7513 0.3021 3.3100 0.4021 2.4869 2.3291 0.9366 3.1000
4 1.4641 0.6830 0.2155 4.6410 0.3155 3.1699 4.3781 1.3812 6.4100
5 1.6105 0.6209 0.1638 6.1051 0.2638 3.7908 6.8618 1.8101 11.0510
6 1.7716 0.5645 0.1296 7.7156 0.2296 4.3553 9.6842 2.2236 17.1561
7 1.9487 0.5132 0.1054 9.4872 0.2054 4.8684 12.7631 2.6216 24.8717
8 2.1436 0.4665 0.0874 11.4359 0.1874 5.3349 16.0287 3.0045 34.3589
9 2.3579 0.4241 0.0736 13.5795 0.1736 5.7590 19.4215 3.3724 45.7948
10 2.5937 0.3855 0.0627 15.9374 0.1627 6.1446 22.8913 3.7255 59.3742
11 2.8531 0.3505 0.0540 18.5312 0.1540 6.4951 26.3963 4.0641 75.3117
12 3.1384 0.3186 0.0468 21.3843 0.1468 6.8137 29.9012 4.3884 93.8428
13 3.4523 0.2897 0.0408 24.5227 0.1408 7.1034 33.3772 4.6988 115.2271
14 3.7975 0.2633 0.0357 27.9750 0.1357 7.3667 36.8005 4.9955 139.7498
15 4.1772 0.2394 0.0315 31.7725 0.1315 7.6061 40.1520 5.2789 167.7248
16 4.5950 0.2176 0.0278 35.9497 0.1278 7.8237 43.4164 5.5493 199.4973
17 5.0545 0.1978 0.0247 40.5447 0.1247 8.0216 46.5819 5.8071 235.4470
18 5.5599 0.1799 0.0219 45.5992 0.1219 8.2014 49.6395 6.0526 275.9917
19 6.1159 0.1635 0.0195 51.1591 0.1195 8.3649 52.5827 6.2861 321.5909
20 6.7275 0.1486 0.0175 57.2750 0.1175 8.5136 55.4069 6.5081 372.7500
21 7.4002 0.1351 0.0156 64.0025 0.1156 8.6487 58.1095 6.7189 430.0250
22 8.1403 0.1228 0.0140 71.4027 0.1140 8.7715 60.6893 6.9189 494.0275
23 8.9543 0.1117 0.0126 79.5430 0.1126 8.8832 63.1462 7.1085 565.4302
24 9.8497 0.1015 0.0113 88.4973 0.1113 8.9847 65.4813 7.2881 644.9733
25 10.8347 0.0923 0.0102 98.3471 0.1102 9.0770 67.6964 7.4580 733.4706
26 11.9182 0.0839 0.0092 109.1818 0.1092 9.1609 69.7940 7.6186 831.8177
27 13.1100 0.0763 0.0083 121.0999 0.1083 9.2372 71.7773 7.7704 940.9994
28 14.4210 0.0693 0.0075 134.2099 0.1075 9.3066 73.6495 7.9137 1,062.0994
29 15.8631 0.0630 0.0067 148.6309 0.1067 9.3696 75.4146 8.0489 1,196.3093
30 17.4494 0.0573 0.0061 164.4940 0.1061 9.4269 77.0766 8.1762 1,344.9402
31 19.1943 0.0521 0.0055 181.9434 0.1055 9.4790 78.6395 8.2962 1,509.4342
32 21.1138 0.0474 0.0050 201.1378 0.1050 9.5264 80.1078 8.4091 1,691.3777
33 23.2252 0.0431 0.0045 222.2515 0.1045 9.5694 81.4856 8.5152 1,892.5154
34 25.5477 0.0391 0.0041 245.4767 0.1041 9.6086 82.7773 8.6149 2,114.7670
35 28.1024 0.0356 0.0037 271.0244 0.1037 9.6442 83.9872 8.7086 2,360.2437
36 30.9127 0.0323 0.0033 299.1268 0.1033 9.6765 85.1194 8.7965 2,631.2681
37 34.0039 0.0294 0.0030 330.0395 0.1030 9.7059 86.1781 8.8789 2,930.3949
38 37.4043 0.0267 0.0027 364.0434 0.1027 9.7327 87.1673 8.9562 3,260.4343
39 41.1448 0.0243 0.0025 401.4478 0.1025 9.7570 88.0908 9.0285 3,624.4778
40 45.2593 0.0221 0.0023 442.5926 0.1023 9.7791 88.9525 9.0962 4,025.9256
41 49.7852 0.0201 0.0020 487.8518 0.1020 9.7991 89.7560 9.1596 4,468.5181
42 54.7637 0.0183 0.0019 537.6370 0.1019 9.8174 90.5047 9.2188 4,956.3699
43 60.2401 0.0166 0.0017 592.4007 0.1017 9.8340 91.2019 9.2741 5,494.0069
44 66.2641 0.0151 0.0015 652.6408 0.1015 9.8491 91.8508 9.3258 6,086.4076
45 72.8905 0.0137 0.0014 718.9048 0.1014 9.8628 92.4544 9.3740 6,739.0484
46 80.1795 0.0125 0.0013 791.7953 0.1013 9.8753 93.0157 9.4190 7,457.9532
47 88.1975 0.0113 0.0011 871.9749 0.1011 9.8866 93.5372 9.4610 8,249.7485
48 97.0172 0.0103 0.0010 960.1723 0.1010 9.8969 94.0217 9.5001 9,121.7234
49 106.7190 0.0094 0.0009 1,057.1896 0.1009 9.9063 94.4715 9.5365 10,081.8957
50 117.3909 0.0085 0.0009 1,163.9085 0.1009 9.9148 94.8889 9.5704 11,139.0853
55 189.0591 0.0053 0.0005 1,880.5914 0.1005 9.9471 96.5619 9.7075 18,255.9142
60 304.4816 0.0033 0.0003 3,034.8164 0.1003 9.9672 97.7010 9.8023 29,748.1640
65 490.3707 0.0020 0.0002 4,893.7073 0.1002 9.9796 98.4705 9.8672 48,287.0725
70 789.7470 0.0013 0.0001 7,887.4696 0.1001 9.9873 98.9870 9.9113 78,174.6957
72 955.5938 0.0010 0.0001 9,545.9382 0.1001 9.9895 99.1419 9.9246 94,739.3818
75 1,271.8954 0.0008 0.0001 12,708.9537 0.1001 9.9921 99.3317 9.9410 126,339.5371
80 2,048.4002 0.0005 0.0000 20,474.0021 0.1000 9.9951 99.5606 9.9609 203,940.0215
84 2,999.0628 0.0003 0.0000 29,980.6275 0.1000 9.9967 99.6866 9.9720 298,966.2754
85 3,298.9690 0.0003 0.0000 32,979.6903 0.1000 9.9970 99.7120 9.9742 328,946.9030
90 5,313.0226 0.0002 0.0000 53,120.2261 0.1000 9.9981 99.8118 9.9831 530,302.2612
96 9,412.3437 0.0001 0.0000 94,113.4365 0.1000 9.9989 99.8874 9.9898 940,174.3651
100 13,780.6123 0.0001 0.0000 137,796.1234 0.1000 9.9993 99.9202 9.9927 1,376,961.2340
105 22,193.8140 0.0000 0.0000 221,928.1398 0.1000 9.9995 99.9482 9.9953 2,218,231.3979
108 29,539.9664 0.0000 0.0000 295,389.6641 0.1000 9.9997 99.9601 9.9963 2,952,816.6407
114 52,331.8524 0.0000 0.0000 523,308.5243 0.1000 9.9998 99.9763 9.9978 5,231,945.2427
120 92,709.0688 0.0000 0.0000 927,080.6882 0.1000 9.9999 99.9860 9.9987 9,269,606.8818

Tablas generadas en Excel Javier Zertuche Garza


i= 11.00% Flujo de efectivo discreto: factores de interés compuesto 11.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.1100 0.9009 1.0000 1.0000 1.1100 0.9009 0.0000 0.0000 0.0000
2 1.2321 0.8116 0.4739 2.1100 0.5839 1.7125 0.8116 0.4739 1.0000
3 1.3676 0.7312 0.2992 3.3421 0.4092 2.4437 2.2740 0.9306 3.1100
4 1.5181 0.6587 0.2123 4.7097 0.3223 3.1024 4.2502 1.3700 6.4521
5 1.6851 0.5935 0.1606 6.2278 0.2706 3.6959 6.6240 1.7923 11.1618
6 1.8704 0.5346 0.1264 7.9129 0.2364 4.2305 9.2972 2.1976 17.3896
7 2.0762 0.4817 0.1022 9.7833 0.2122 4.7122 12.1872 2.5863 25.3025
8 2.3045 0.4339 0.0843 11.8594 0.1943 5.1461 15.2246 2.9585 35.0858
9 2.5580 0.3909 0.0706 14.1640 0.1806 5.5370 18.3520 3.3144 46.9452
10 2.8394 0.3522 0.0598 16.7220 0.1698 5.8892 21.5217 3.6544 61.1092
11 3.1518 0.3173 0.0511 19.5614 0.1611 6.2065 24.6945 3.9788 77.8312
12 3.4985 0.2858 0.0440 22.7132 0.1540 6.4924 27.8388 4.2879 97.3926
13 3.8833 0.2575 0.0382 26.2116 0.1482 6.7499 30.9290 4.5822 120.1058
14 4.3104 0.2320 0.0332 30.0949 0.1432 6.9819 33.9449 4.8619 146.3174
15 4.7846 0.2090 0.0291 34.4054 0.1391 7.1909 36.8709 5.1275 176.4124
16 5.3109 0.1883 0.0255 39.1899 0.1355 7.3792 39.6953 5.3794 210.8177
17 5.8951 0.1696 0.0225 44.5008 0.1325 7.5488 42.4095 5.6180 250.0077
18 6.5436 0.1528 0.0198 50.3959 0.1298 7.7016 45.0074 5.8439 294.5085
19 7.2633 0.1377 0.0176 56.9395 0.1276 7.8393 47.4856 6.0574 344.9044
20 8.0623 0.1240 0.0156 64.2028 0.1256 7.9633 49.8423 6.2590 401.8439
21 8.9492 0.1117 0.0138 72.2651 0.1238 8.0751 52.0771 6.4491 466.0468
22 9.9336 0.1007 0.0123 81.2143 0.1223 8.1757 54.1912 6.6283 538.3119
23 11.0263 0.0907 0.0110 91.1479 0.1210 8.2664 56.1864 6.7969 619.5262
24 12.2392 0.0817 0.0098 102.1742 0.1198 8.3481 58.0656 6.9555 710.6741
25 13.5855 0.0736 0.0087 114.4133 0.1187 8.4217 59.8322 7.1045 812.8482
26 15.0799 0.0663 0.0078 127.9988 0.1178 8.4881 61.4900 7.2443 927.2616
27 16.7386 0.0597 0.0070 143.0786 0.1170 8.5478 63.0433 7.3754 1,055.2603
28 18.5799 0.0538 0.0063 159.8173 0.1163 8.6016 64.4965 7.4982 1,198.3390
29 20.6237 0.0485 0.0056 178.3972 0.1156 8.6501 65.8542 7.6131 1,358.1562
30 22.8923 0.0437 0.0050 199.0209 0.1150 8.6938 67.1210 7.7206 1,536.5534
31 25.4104 0.0394 0.0045 221.9132 0.1145 8.7331 68.3016 7.8210 1,735.5743
32 28.2056 0.0355 0.0040 247.3236 0.1140 8.7686 69.4007 7.9147 1,957.4875
33 31.3082 0.0319 0.0036 275.5292 0.1136 8.8005 70.4228 8.0021 2,204.8111
34 34.7521 0.0288 0.0033 306.8374 0.1133 8.8293 71.3724 8.0836 2,480.3403
35 38.5749 0.0259 0.0029 341.5896 0.1129 8.8552 72.2538 8.1594 2,787.1778
36 42.8181 0.0234 0.0026 380.1644 0.1126 8.8786 73.0712 8.2300 3,128.7673
37 47.5281 0.0210 0.0024 422.9825 0.1124 8.8996 73.8286 8.2957 3,508.9317
38 52.7562 0.0190 0.0021 470.5106 0.1121 8.9186 74.5300 8.3567 3,931.9142
39 58.5593 0.0171 0.0019 523.2667 0.1119 8.9357 75.1789 8.4133 4,402.4248
40 65.0009 0.0154 0.0017 581.8261 0.1117 8.9511 75.7789 8.4659 4,925.6915
41 72.1510 0.0139 0.0015 646.8269 0.1115 8.9649 76.3333 8.5147 5,507.5176
42 80.0876 0.0125 0.0014 718.9779 0.1114 8.9774 76.8452 8.5599 6,154.3445
43 88.8972 0.0112 0.0013 799.0655 0.1113 8.9886 77.3176 8.6017 6,873.3224
44 98.6759 0.0101 0.0011 887.9627 0.1111 8.9988 77.7534 8.6404 7,672.3879
45 109.5302 0.0091 0.0010 986.6386 0.1110 9.0079 78.1551 8.6763 8,560.3505
46 121.5786 0.0082 0.0009 1,096.1688 0.1109 9.0161 78.5253 8.7094 9,546.9891
47 134.9522 0.0074 0.0008 1,217.7474 0.1108 9.0235 78.8661 8.7400 10,643.1579
48 149.7970 0.0067 0.0007 1,352.6996 0.1107 9.0302 79.1799 8.7683 11,860.9053
49 166.2746 0.0060 0.0007 1,502.4965 0.1107 9.0362 79.4686 8.7944 13,213.6048
50 184.5648 0.0054 0.0006 1,668.7712 0.1106 9.0417 79.7341 8.8185 14,716.1014
55 311.0025 0.0032 0.0004 2,818.2042 0.1104 9.0617 80.7712 8.9135 25,120.0385
60 524.0572 0.0019 0.0002 4,755.0658 0.1102 9.0736 81.4461 8.9762 42,682.4167
65 883.0669 0.0011 0.0001 8,018.7903 0.1101 9.0806 81.8819 9.0172 72,307.1843
70 1,488.0191 0.0007 0.0001 13,518.3557 0.1101 9.0848 82.1614 9.0438 122,257.7795
72 1,833.3884 0.0005 0.0001 16,658.0761 0.1101 9.0860 82.2425 9.0516 150,782.5101
75 2,507.3988 0.0004 0.0000 22,785.4434 0.1100 9.0873 82.3397 9.0610 206,458.5763
80 4,225.1128 0.0002 0.0000 38,401.0250 0.1100 9.0888 82.4529 9.0720 348,372.9546
84 6,414.0186 0.0002 0.0000 58,300.1695 0.1100 9.0895 82.5127 9.0778 529,237.9046
85 7,119.5607 0.0001 0.0000 64,714.1881 0.1100 9.0896 82.5245 9.0790 587,538.0741
90 11,996.8738 0.0001 0.0000 109,053.3983 0.1100 9.0902 82.5695 9.0834 990,576.3481
96 22,439.1274 0.0000 0.0000 203,982.9760 0.1100 9.0905 82.6021 9.0866 1,853,517.9635
100 34,064.1753 0.0000 0.0000 309,665.2297 0.1100 9.0906 82.6155 9.0880 2,814,229.3611
105 57,400.1163 0.0000 0.0000 521,810.1485 0.1100 9.0908 82.6266 9.0891 4,742,774.0773
108 78,502.1785 0.0000 0.0000 713,647.0773 0.1100 9.0908 82.6311 9.0895 6,486,718.8846
114 146,831.6170 0.0000 0.0000 1,334,823.7914 0.1100 9.0908 82.6370 9.0901 12,133,725.3759
120 274,635.9932 0.0000 0.0000 2,496,681.7568 0.1100 9.0909 82.6404 9.0905 22,696,015.9707

Tablas generadas en Excel Javier Zertuche Garza


i= 12.00% Flujo de efectivo discreto: factores de interés compuesto 12.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.1200 0.8929 1.0000 1.0000 1.1200 0.8929 0.0000 0.0000 0.0000
2 1.2544 0.7972 0.4717 2.1200 0.5917 1.6901 0.7972 0.4717 1.0000
3 1.4049 0.7118 0.2963 3.3744 0.4163 2.4018 2.2208 0.9246 3.1200
4 1.5735 0.6355 0.2092 4.7793 0.3292 3.0373 4.1273 1.3589 6.4944
5 1.7623 0.5674 0.1574 6.3528 0.2774 3.6048 6.3970 1.7746 11.2737
6 1.9738 0.5066 0.1232 8.1152 0.2432 4.1114 8.9302 2.1720 17.6266
7 2.2107 0.4523 0.0991 10.0890 0.2191 4.5638 11.6443 2.5515 25.7418
8 2.4760 0.4039 0.0813 12.2997 0.2013 4.9676 14.4714 2.9131 35.8308
9 2.7731 0.3606 0.0677 14.7757 0.1877 5.3282 17.3563 3.2574 48.1305
10 3.1058 0.3220 0.0570 17.5487 0.1770 5.6502 20.2541 3.5847 62.9061
11 3.4785 0.2875 0.0484 20.6546 0.1684 5.9377 23.1288 3.8953 80.4549
12 3.8960 0.2567 0.0414 24.1331 0.1614 6.1944 25.9523 4.1897 101.1094
13 4.3635 0.2292 0.0357 28.0291 0.1557 6.4235 28.7024 4.4683 125.2426
14 4.8871 0.2046 0.0309 32.3926 0.1509 6.6282 31.3624 4.7317 153.2717
15 5.4736 0.1827 0.0268 37.2797 0.1468 6.8109 33.9202 4.9803 185.6643
16 6.1304 0.1631 0.0234 42.7533 0.1434 6.9740 36.3670 5.2147 222.9440
17 6.8660 0.1456 0.0205 48.8837 0.1405 7.1196 38.6973 5.4353 265.6973
18 7.6900 0.1300 0.0179 55.7497 0.1379 7.2497 40.9080 5.6427 314.5810
19 8.6128 0.1161 0.0158 63.4397 0.1358 7.3658 42.9979 5.8375 370.3307
20 9.6463 0.1037 0.0139 72.0524 0.1339 7.4694 44.9676 6.0202 433.7704
21 10.8038 0.0926 0.0122 81.6987 0.1322 7.5620 46.8188 6.1913 505.8228
22 12.1003 0.0826 0.0108 92.5026 0.1308 7.6446 48.5543 6.3514 587.5215
23 13.5523 0.0738 0.0096 104.6029 0.1296 7.7184 50.1776 6.5010 680.0241
24 15.1786 0.0659 0.0085 118.1552 0.1285 7.7843 51.6929 6.6406 784.6270
25 17.0001 0.0588 0.0075 133.3339 0.1275 7.8431 53.1046 6.7708 902.7823
26 19.0401 0.0525 0.0067 150.3339 0.1267 7.8957 54.4177 6.8921 1,036.1161
27 21.3249 0.0469 0.0059 169.3740 0.1259 7.9426 55.6369 7.0049 1,186.4501
28 23.8839 0.0419 0.0052 190.6989 0.1252 7.9844 56.7674 7.1098 1,355.8241
29 26.7499 0.0374 0.0047 214.5828 0.1247 8.0218 57.8141 7.2071 1,546.5229
30 29.9599 0.0334 0.0041 241.3327 0.1241 8.0552 58.7821 7.2974 1,761.1057
31 33.5551 0.0298 0.0037 271.2926 0.1237 8.0850 59.6761 7.3811 2,002.4384
32 37.5817 0.0266 0.0033 304.8477 0.1233 8.1116 60.5010 7.4586 2,273.7310
33 42.0915 0.0238 0.0029 342.4294 0.1229 8.1354 61.2612 7.5302 2,578.5787
34 47.1425 0.0212 0.0026 384.5210 0.1226 8.1566 61.9612 7.5965 2,921.0082
35 52.7996 0.0189 0.0023 431.6635 0.1223 8.1755 62.6052 7.6577 3,305.5291
36 59.1356 0.0169 0.0021 484.4631 0.1221 8.1924 63.1970 7.7141 3,737.1926
37 66.2318 0.0151 0.0018 543.5987 0.1218 8.2075 63.7406 7.7661 4,221.6558
38 74.1797 0.0135 0.0016 609.8305 0.1216 8.2210 64.2394 7.8141 4,765.2544
39 83.0812 0.0120 0.0015 684.0102 0.1215 8.2330 64.6967 7.8582 5,375.0850
40 93.0510 0.0107 0.0013 767.0914 0.1213 8.2438 65.1159 7.8988 6,059.0952
41 104.2171 0.0096 0.0012 860.1424 0.1212 8.2534 65.4997 7.9361 6,826.1866
42 116.7231 0.0086 0.0010 964.3595 0.1210 8.2619 65.8509 7.9704 7,686.3290
43 130.7299 0.0076 0.0009 1,081.0826 0.1209 8.2696 66.1722 8.0019 8,650.6885
44 146.4175 0.0068 0.0008 1,211.8125 0.1208 8.2764 66.4659 8.0308 9,731.7711
45 163.9876 0.0061 0.0007 1,358.2300 0.1207 8.2825 66.7342 8.0572 10,943.5836
46 183.6661 0.0054 0.0007 1,522.2176 0.1207 8.2880 66.9792 8.0815 12,301.8136
47 205.7061 0.0049 0.0006 1,705.8838 0.1206 8.2928 67.2028 8.1037 13,824.0313
48 230.3908 0.0043 0.0005 1,911.5898 0.1205 8.2972 67.4068 8.1241 15,529.9150
49 258.0377 0.0039 0.0005 2,141.9806 0.1205 8.3010 67.5929 8.1427 17,441.5048
50 289.0022 0.0035 0.0004 2,400.0182 0.1204 8.3045 67.7624 8.1597 19,583.4854
55 509.3206 0.0020 0.0002 4,236.0050 0.1202 8.3170 68.4082 8.2251 34,841.7087
60 897.5969 0.0011 0.0001 7,471.6411 0.1201 8.3240 68.8100 8.2664 61,763.6759
65 1,581.8725 0.0006 0.0001 13,173.9374 0.1201 8.3281 69.0581 8.2922 109,241.1452
70 2,787.7998 0.0004 0.0000 23,223.3319 0.1200 8.3303 69.2103 8.3082 192,944.4325
72 3,497.0161 0.0003 0.0000 29,133.4675 0.1200 8.3310 69.2530 8.3127 242,178.8961
75 4,913.0558 0.0002 0.0000 40,933.7987 0.1200 8.3316 69.3031 8.3181 340,489.9889
80 8,658.4831 0.0001 0.0000 72,145.6925 0.1200 8.3324 69.3594 8.3241 600,547.4375
84 13,624.2908 0.0001 0.0000 113,527.4232 0.1200 8.3327 69.3880 8.3272 945,361.8602
85 15,259.2057 0.0001 0.0000 127,151.7140 0.1200 8.3328 69.3935 8.3278 1,058,889.2834
90 26,891.9342 0.0000 0.0000 224,091.1185 0.1200 8.3330 69.4140 8.3300 1,866,675.9877
96 53,079.9098 0.0000 0.0000 442,324.2485 0.1200 8.3332 69.4281 8.3315 3,685,235.4041
100 83,522.2657 0.0000 0.0000 696,010.5477 0.1200 8.3332 69.4336 8.3321 5,799,254.5643
105 147,194.7704 0.0000 0.0000 1,226,614.7530 0.1200 8.3333 69.4380 8.3326 10,220,914.6087
108 206,798.0543 0.0000 0.0000 1,723,308.7862 0.1200 8.3333 69.4398 8.3328 14,360,006.5514
114 408,182.6909 0.0000 0.0000 3,401,514.0909 0.1200 8.3333 69.4419 8.3331 28,345,000.7575
120 805,680.2550 0.0000 0.0000 6,713,993.7918 0.1200 8.3333 69.4431 8.3332 55,948,948.2648

Tablas generadas en Excel Javier Zertuche Garza


i= 13.00% Flujo de efectivo discreto: factores de interés compuesto 13.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.1300 0.8850 1.0000 1.0000 1.1300 0.8850 0.0000 0.0000 0.0000
2 1.2769 0.7831 0.4695 2.1300 0.5995 1.6681 0.7831 0.4695 1.0000
3 1.4429 0.6931 0.2935 3.4069 0.4235 2.3612 2.1692 0.9187 3.1300
4 1.6305 0.6133 0.2062 4.8498 0.3362 2.9745 4.0092 1.3479 6.5369
5 1.8424 0.5428 0.1543 6.4803 0.2843 3.5172 6.1802 1.7571 11.3867
6 2.0820 0.4803 0.1202 8.3227 0.2502 3.9975 8.5818 2.1468 17.8670
7 2.3526 0.4251 0.0961 10.4047 0.2261 4.4226 11.1322 2.5171 26.1897
8 2.6584 0.3762 0.0784 12.7573 0.2084 4.7988 13.7653 2.8685 36.5943
9 3.0040 0.3329 0.0649 15.4157 0.1949 5.1317 16.4284 3.2014 49.3516
10 3.3946 0.2946 0.0543 18.4197 0.1843 5.4262 19.0797 3.5162 64.7673
11 3.8359 0.2607 0.0458 21.8143 0.1758 5.6869 21.6867 3.8134 83.1871
12 4.3345 0.2307 0.0390 25.6502 0.1690 5.9176 24.2244 4.0936 105.0014
13 4.8980 0.2042 0.0334 29.9847 0.1634 6.1218 26.6744 4.3573 130.6515
14 5.5348 0.1807 0.0287 34.8827 0.1587 6.3025 29.0232 4.6050 160.6362
15 6.2543 0.1599 0.0247 40.4175 0.1547 6.4624 31.2617 4.8375 195.5190
16 7.0673 0.1415 0.0214 46.6717 0.1514 6.6039 33.3841 5.0552 235.9364
17 7.9861 0.1252 0.0186 53.7391 0.1486 6.7291 35.3876 5.2589 282.6082
18 9.0243 0.1108 0.0162 61.7251 0.1462 6.8399 37.2714 5.4491 336.3472
19 10.1974 0.0981 0.0141 70.7494 0.1441 6.9380 39.0366 5.6265 398.0724
20 11.5231 0.0868 0.0124 80.9468 0.1424 7.0248 40.6854 5.7917 468.8218
21 13.0211 0.0768 0.0108 92.4699 0.1408 7.1016 42.2214 5.9454 549.7686
22 14.7138 0.0680 0.0095 105.4910 0.1395 7.1695 43.6486 6.0881 642.2385
23 16.6266 0.0601 0.0083 120.2048 0.1383 7.2297 44.9718 6.2205 747.7295
24 18.7881 0.0532 0.0073 136.8315 0.1373 7.2829 46.1960 6.3431 867.9343
25 21.2305 0.0471 0.0064 155.6196 0.1364 7.3300 47.3264 6.4566 1,004.7658
26 23.9905 0.0417 0.0057 176.8501 0.1357 7.3717 48.3685 6.5614 1,160.3854
27 27.1093 0.0369 0.0050 200.8406 0.1350 7.4086 49.3276 6.6582 1,337.2355
28 30.6335 0.0326 0.0044 227.9499 0.1344 7.4412 50.2090 6.7474 1,538.0761
29 34.6158 0.0289 0.0039 258.5834 0.1339 7.4701 51.0179 6.8296 1,766.0260
30 39.1159 0.0256 0.0034 293.1992 0.1334 7.4957 51.7592 6.9052 2,024.6093
31 44.2010 0.0226 0.0030 332.3151 0.1330 7.5183 52.4380 6.9747 2,317.8086
32 49.9471 0.0200 0.0027 376.5161 0.1327 7.5383 53.0586 7.0385 2,650.1237
33 56.4402 0.0177 0.0023 426.4632 0.1323 7.5560 53.6256 7.0971 3,026.6398
34 63.7774 0.0157 0.0021 482.9034 0.1321 7.5717 54.1430 7.1507 3,453.1029
35 72.0685 0.0139 0.0018 546.6808 0.1318 7.5856 54.6148 7.1998 3,936.0063
36 81.4374 0.0123 0.0016 618.7493 0.1316 7.5979 55.0446 7.2448 4,482.6871
37 92.0243 0.0109 0.0014 700.1867 0.1314 7.6087 55.4358 7.2858 5,101.4364
38 103.9874 0.0096 0.0013 792.2110 0.1313 7.6183 55.7916 7.3233 5,801.6232
39 117.5058 0.0085 0.0011 896.1984 0.1311 7.6268 56.1150 7.3576 6,593.8342
40 132.7816 0.0075 0.0010 1,013.7042 0.1310 7.6344 56.4087 7.3888 7,490.0326
41 150.0432 0.0067 0.0009 1,146.4858 0.1309 7.6410 56.6753 7.4172 8,503.7369
42 169.5488 0.0059 0.0008 1,296.5289 0.1308 7.6469 56.9171 7.4431 9,650.2227
43 191.5901 0.0052 0.0007 1,466.0777 0.1307 7.6522 57.1363 7.4667 10,946.7516
44 216.4968 0.0046 0.0006 1,657.6678 0.1306 7.6568 57.3349 7.4881 12,412.8293
45 244.6414 0.0041 0.0005 1,874.1646 0.1305 7.6609 57.5148 7.5076 14,070.4972
46 276.4448 0.0036 0.0005 2,118.8060 0.1305 7.6645 57.6776 7.5253 15,944.6618
47 312.3826 0.0032 0.0004 2,395.2508 0.1304 7.6677 57.8248 7.5414 18,063.4678
48 352.9923 0.0028 0.0004 2,707.6334 0.1304 7.6705 57.9580 7.5559 20,458.7186
49 398.8813 0.0025 0.0003 3,060.6258 0.1303 7.6730 58.0783 7.5692 23,166.3521
50 450.7359 0.0022 0.0003 3,459.5071 0.1303 7.6752 58.1870 7.5811 26,226.9778
55 830.4517 0.0012 0.0002 6,380.3979 0.1302 7.6830 58.5909 7.6260 48,656.9068
60 1,530.0535 0.0007 0.0001 11,761.9498 0.1301 7.6873 58.8313 7.6531 90,014.9984
65 2,819.0243 0.0004 0.0000 21,677.1103 0.1300 7.6896 58.9732 7.6692 166,247.0027
70 5,193.8696 0.0002 0.0000 39,945.1510 0.1300 7.6908 59.0565 7.6788 306,731.9304
72 6,632.0521 0.0002 0.0000 51,008.0933 0.1300 7.6911 59.0792 7.6814 391,816.1020
75 9,569.3681 0.0001 0.0000 73,602.8316 0.1300 7.6915 59.1051 7.6845 565,598.7049
80 17,630.9405 0.0001 0.0000 135,614.9266 0.1300 7.6919 59.1333 7.6878 1,042,576.3582
84 28,746.7831 0.0000 0.0000 221,121.4087 0.1300 7.6920 59.1471 7.6894 1,700,287.7592
85 32,483.8649 0.0000 0.0000 249,868.1918 0.1300 7.6921 59.1496 7.6897 1,921,409.1679
90 59,849.4155 0.0000 0.0000 460,372.4271 0.1300 7.6922 59.1590 7.6908 3,540,634.0544
96 124,603.5955 0.0000 0.0000 958,481.5041 0.1300 7.6922 59.1652 7.6915 7,372,196.1854
100 203,162.8742 0.0000 0.0000 1,562,783.6479 0.1300 7.6923 59.1675 7.6918 12,020,643.4455
105 374,314.4266 0.0000 0.0000 2,879,334.0508 0.1300 7.6923 59.1693 7.6920 22,147,915.7755
108 540,097.1632 0.0000 0.0000 4,154,585.8708 0.1300 7.6923 59.1699 7.6921 31,957,522.0832
114 1,124,456.2355 0.0000 0.0000 8,649,655.6578 0.1300 7.6923 59.1708 7.6922 66,534,935.8294
120 2,341,063.6303 0.0000 0.0000 18,008,174.0790 0.1300 7.6923 59.1712 7.6923 138,523,492.9152

Tablas generadas en Excel Javier Zertuche Garza


i= 14.00% Flujo de efectivo discreto: factores de interés compuesto 14.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Cantidad Fondo de Cantidad Recuperación de Gradiente de Gradiente de Gradiente de valor
Valor presente Valor presente
n compuesta
P/F
amortización compuesta capital
P/A
valor presente serie anual futuro
F/P A/F F/A A/P P/G A/G F/G
1 1.1400 0.8772 1.0000 1.0000 1.1400 0.8772 0.0000 0.0000 0.0000
2 1.2996 0.7695 0.4673 2.1400 0.6073 1.6467 0.7695 0.4673 1.0000
3 1.4815 0.6750 0.2907 3.4396 0.4307 2.3216 2.1194 0.9129 3.1400
4 1.6890 0.5921 0.2032 4.9211 0.3432 2.9137 3.8957 1.3370 6.5796
5 1.9254 0.5194 0.1513 6.6101 0.2913 3.4331 5.9731 1.7399 11.5007
6 2.1950 0.4556 0.1172 8.5355 0.2572 3.8887 8.2511 2.1218 18.1108
7 2.5023 0.3996 0.0932 10.7305 0.2332 4.2883 10.6489 2.4832 26.6464
8 2.8526 0.3506 0.0756 13.2328 0.2156 4.6389 13.1028 2.8246 37.3769
9 3.2519 0.3075 0.0622 16.0853 0.2022 4.9464 15.5629 3.1463 50.6096
10 3.7072 0.2697 0.0517 19.3373 0.1917 5.2161 17.9906 3.4490 66.6950
11 4.2262 0.2366 0.0434 23.0445 0.1834 5.4527 20.3567 3.7333 86.0323
12 4.8179 0.2076 0.0367 27.2707 0.1767 5.6603 22.6399 3.9998 109.0768
13 5.4924 0.1821 0.0312 32.0887 0.1712 5.8424 24.8247 4.2491 136.3475
14 6.2613 0.1597 0.0266 37.5811 0.1666 6.0021 26.9009 4.4819 168.4362
15 7.1379 0.1401 0.0228 43.8424 0.1628 6.1422 28.8623 4.6990 206.0172
16 8.1372 0.1229 0.0196 50.9804 0.1596 6.2651 30.7057 4.9011 249.8597
17 9.2765 0.1078 0.0169 59.1176 0.1569 6.3729 32.4305 5.0888 300.8400
18 10.5752 0.0946 0.0146 68.3941 0.1546 6.4674 34.0380 5.2630 359.9576
19 12.0557 0.0829 0.0127 78.9692 0.1527 6.5504 35.5311 5.4243 428.3517
20 13.7435 0.0728 0.0110 91.0249 0.1510 6.6231 36.9135 5.5734 507.3209
21 15.6676 0.0638 0.0095 104.7684 0.1495 6.6870 38.1901 5.7111 598.3458
22 17.8610 0.0560 0.0083 120.4360 0.1483 6.7429 39.3658 5.8381 703.1143
23 20.3616 0.0491 0.0072 138.2970 0.1472 6.7921 40.4463 5.9549 823.5503
24 23.2122 0.0431 0.0063 158.6586 0.1463 6.8351 41.4371 6.0624 961.8473
25 26.4619 0.0378 0.0055 181.8708 0.1455 6.8729 42.3441 6.1610 1,120.5059
26 30.1666 0.0331 0.0048 208.3327 0.1448 6.9061 43.1728 6.2514 1,302.3767
27 34.3899 0.0291 0.0042 238.4993 0.1442 6.9352 43.9289 6.3342 1,510.7095
28 39.2045 0.0255 0.0037 272.8892 0.1437 6.9607 44.6176 6.4100 1,749.2088
29 44.6931 0.0224 0.0032 312.0937 0.1432 6.9830 45.2441 6.4791 2,022.0980
30 50.9502 0.0196 0.0028 356.7868 0.1428 7.0027 45.8132 6.5423 2,334.1918
31 58.0832 0.0172 0.0025 407.7370 0.1425 7.0199 46.3297 6.5998 2,690.9786
32 66.2148 0.0151 0.0021 465.8202 0.1421 7.0350 46.7979 6.6522 3,098.7156
33 75.4849 0.0132 0.0019 532.0350 0.1419 7.0482 47.2218 6.6998 3,564.5358
34 86.0528 0.0116 0.0016 607.5199 0.1416 7.0599 47.6053 6.7431 4,096.5708
35 98.1002 0.0102 0.0014 693.5727 0.1414 7.0700 47.9519 6.7824 4,704.0907
36 111.8342 0.0089 0.0013 791.6729 0.1413 7.0790 48.2649 6.8180 5,397.6634
37 127.4910 0.0078 0.0011 903.5071 0.1411 7.0868 48.5472 6.8503 6,189.3363
38 145.3397 0.0069 0.0010 1,030.9981 0.1410 7.0937 48.8018 6.8796 7,092.8434
39 165.6873 0.0060 0.0009 1,176.3378 0.1409 7.0997 49.0312 6.9060 8,123.8415
40 188.8835 0.0053 0.0007 1,342.0251 0.1407 7.1050 49.2376 6.9300 9,300.1793
41 215.3272 0.0046 0.0007 1,530.9086 0.1407 7.1097 49.4234 6.9516 10,642.2044
42 245.4730 0.0041 0.0006 1,746.2358 0.1406 7.1138 49.5904 6.9711 12,173.1130
43 279.8392 0.0036 0.0005 1,991.7088 0.1405 7.1173 49.7405 6.9886 13,919.3488
44 319.0167 0.0031 0.0004 2,271.5481 0.1404 7.1205 49.8753 7.0045 15,911.0576
45 363.6791 0.0027 0.0004 2,590.5648 0.1404 7.1232 49.9963 7.0188 18,182.6057
46 414.5941 0.0024 0.0003 2,954.2439 0.1403 7.1256 50.1048 7.0316 20,773.1705
47 472.6373 0.0021 0.0003 3,368.8380 0.1403 7.1277 50.2022 7.0432 23,727.4144
48 538.8065 0.0019 0.0003 3,841.4753 0.1403 7.1296 50.2894 7.0536 27,096.2524
49 614.2395 0.0016 0.0002 4,380.2819 0.1402 7.1312 50.3675 7.0630 30,937.7277
50 700.2330 0.0014 0.0002 4,994.5213 0.1402 7.1327 50.4375 7.0714 35,318.0096
55 1,348.2388 0.0007 0.0001 9,623.1343 0.1401 7.1376 50.6912 7.1020 68,343.8167
60 2,595.9187 0.0004 0.0001 18,535.1333 0.1401 7.1401 50.8357 7.1197 131,965.2377
65 4,998.2196 0.0002 0.0000 35,694.4260 0.1400 7.1414 50.9173 7.1298 254,495.9001
70 9,623.6450 0.0001 0.0000 68,733.1785 0.1400 7.1421 50.9632 7.1356 490,451.2747
72 12,506.8890 0.0001 0.0000 89,327.7787 0.1400 7.1423 50.9752 7.1371 637,541.2766
75 18,529.5064 0.0001 0.0000 132,346.4742 0.1400 7.1425 50.9887 7.1388 944,796.2444
80 35,676.9818 0.0000 0.0000 254,828.4415 0.1400 7.1427 51.0030 7.1406 1,819,631.7249
84 60,257.0009 0.0000 0.0000 430,400.0064 0.1400 7.1427 51.0096 7.1415 3,073,685.7603
85 68,692.9810 0.0000 0.0000 490,657.0073 0.1400 7.1428 51.0108 7.1416 3,504,085.7667
90 132,262.4674 0.0000 0.0000 944,724.7670 0.1400 7.1428 51.0152 7.1422 6,747,391.1928
96 290,312.4951 0.0000 0.0000 2,073,653.5362 0.1400 7.1428 51.0179 7.1425 14,811,125.2588
100 490,326.2381 0.0000 0.0000 3,502,323.1295 0.1400 7.1428 51.0188 7.1427 25,015,879.4962
105 944,081.2890 0.0000 0.0000 6,743,430.6359 0.1400 7.1428 51.0196 7.1427 48,166,611.6848
108 1,398,697.9693 0.0000 0.0000 9,990,692.6376 0.1400 7.1429 51.0198 7.1428 71,361,318.8399
114 3,070,103.7517 0.0000 0.0000 21,929,305.3692 0.1400 7.1429 51.0201 7.1428 156,637,081.2085
120 6,738,793.6876 0.0000 0.0000 48,134,233.4828 0.1400 7.1429 51.0203 7.1428 343,815,096.3059

Tablas generadas en Excel Javier Zertuche Garza


i= 15.00% Flujo de efectivo discreto: factores de interés compuesto 15.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.1500 0.8696 1.0000 1.0000 1.1500 0.8696 0.0000 0.0000 0.0000
2 1.3225 0.7561 0.4651 2.1500 0.6151 1.6257 0.7561 0.4651 1.0000
3 1.5209 0.6575 0.2880 3.4725 0.4380 2.2832 2.0712 0.9071 3.1500
4 1.7490 0.5718 0.2003 4.9934 0.3503 2.8550 3.7864 1.3263 6.6225
5 2.0114 0.4972 0.1483 6.7424 0.2983 3.3522 5.7751 1.7228 11.6159
6 2.3131 0.4323 0.1142 8.7537 0.2642 3.7845 7.9368 2.0972 18.3583
7 2.6600 0.3759 0.0904 11.0668 0.2404 4.1604 10.1924 2.4498 27.1120
8 3.0590 0.3269 0.0729 13.7268 0.2229 4.4873 12.4807 2.7813 38.1788
9 3.5179 0.2843 0.0596 16.7858 0.2096 4.7716 14.7548 3.0922 51.9056
10 4.0456 0.2472 0.0493 20.3037 0.1993 5.0188 16.9795 3.3832 68.6915
11 4.6524 0.2149 0.0411 24.3493 0.1911 5.2337 19.1289 3.6549 88.9952
12 5.3503 0.1869 0.0345 29.0017 0.1845 5.4206 21.1849 3.9082 113.3444
13 6.1528 0.1625 0.0291 34.3519 0.1791 5.5831 23.1352 4.1438 142.3461
14 7.0757 0.1413 0.0247 40.5047 0.1747 5.7245 24.9725 4.3624 176.6980
15 8.1371 0.1229 0.0210 47.5804 0.1710 5.8474 26.6930 4.5650 217.2027
16 9.3576 0.1069 0.0179 55.7175 0.1679 5.9542 28.2960 4.7522 264.7831
17 10.7613 0.0929 0.0154 65.0751 0.1654 6.0472 29.7828 4.9251 320.5006
18 12.3755 0.0808 0.0132 75.8364 0.1632 6.1280 31.1565 5.0843 385.5757
19 14.2318 0.0703 0.0113 88.2118 0.1613 6.1982 32.4213 5.2307 461.4121
20 16.3665 0.0611 0.0098 102.4436 0.1598 6.2593 33.5822 5.3651 549.6239
21 18.8215 0.0531 0.0084 118.8101 0.1584 6.3125 34.6448 5.4883 652.0675
22 21.6447 0.0462 0.0073 137.6316 0.1573 6.3587 35.6150 5.6010 770.8776
23 24.8915 0.0402 0.0063 159.2764 0.1563 6.3988 36.4988 5.7040 908.5092
24 28.6252 0.0349 0.0054 184.1678 0.1554 6.4338 37.3023 5.7979 1,067.7856
25 32.9190 0.0304 0.0047 212.7930 0.1547 6.4641 38.0314 5.8834 1,251.9534
26 37.8568 0.0264 0.0041 245.7120 0.1541 6.4906 38.6918 5.9612 1,464.7465
27 43.5353 0.0230 0.0035 283.5688 0.1535 6.5135 39.2890 6.0319 1,710.4584
28 50.0656 0.0200 0.0031 327.1041 0.1531 6.5335 39.8283 6.0960 1,994.0272
29 57.5755 0.0174 0.0027 377.1697 0.1527 6.5509 40.3146 6.1541 2,321.1313
30 66.2118 0.0151 0.0023 434.7451 0.1523 6.5660 40.7526 6.2066 2,698.3010
31 76.1435 0.0131 0.0020 500.9569 0.1520 6.5791 41.1466 6.2541 3,133.0461
32 87.5651 0.0114 0.0017 577.1005 0.1517 6.5905 41.5006 6.2970 3,634.0030
33 100.6998 0.0099 0.0015 664.6655 0.1515 6.6005 41.8184 6.3357 4,211.1035
34 115.8048 0.0086 0.0013 765.3654 0.1513 6.6091 42.1033 6.3705 4,875.7690
35 133.1755 0.0075 0.0011 881.1702 0.1511 6.6166 42.3586 6.4019 5,641.1344
36 153.1519 0.0065 0.0010 1,014.3457 0.1510 6.6231 42.5872 6.4301 6,522.3045
37 176.1246 0.0057 0.0009 1,167.4975 0.1509 6.6288 42.7916 6.4554 7,536.6502
38 202.5433 0.0049 0.0007 1,343.6222 0.1507 6.6338 42.9743 6.4781 8,704.1477
39 232.9248 0.0043 0.0006 1,546.1655 0.1506 6.6380 43.1374 6.4985 10,047.7699
40 267.8635 0.0037 0.0006 1,779.0903 0.1506 6.6418 43.2830 6.5168 11,593.9354
41 308.0431 0.0032 0.0005 2,046.9539 0.1505 6.6450 43.4128 6.5331 13,373.0257
42 354.2495 0.0028 0.0004 2,354.9969 0.1504 6.6478 43.5286 6.5478 15,419.9796
43 407.3870 0.0025 0.0004 2,709.2465 0.1504 6.6503 43.6317 6.5609 17,774.9765
44 468.4950 0.0021 0.0003 3,116.6334 0.1503 6.6524 43.7235 6.5725 20,484.2230
45 538.7693 0.0019 0.0003 3,585.1285 0.1503 6.6543 43.8051 6.5830 23,600.8564
46 619.5847 0.0016 0.0002 4,123.8977 0.1502 6.6559 43.8778 6.5923 27,185.9849
47 712.5224 0.0014 0.0002 4,743.4824 0.1502 6.6573 43.9423 6.6006 31,309.8826
48 819.4007 0.0012 0.0002 5,456.0047 0.1502 6.6585 43.9997 6.6080 36,053.3650
49 942.3108 0.0011 0.0002 6,275.4055 0.1502 6.6596 44.0506 6.6146 41,509.3697
50 1,083.6574 0.0009 0.0001 7,217.7163 0.1501 6.6605 44.0958 6.6205 47,784.7752
55 2,179.6222 0.0005 0.0001 14,524.1479 0.1501 6.6636 44.2558 6.6414 96,460.9860
60 4,383.9987 0.0002 0.0000 29,219.9916 0.1500 6.6651 44.3431 6.6530 194,399.9443
65 8,817.7874 0.0001 0.0000 58,778.5826 0.1500 6.6659 44.3903 6.6593 391,423.8839
70 17,735.7200 0.0001 0.0000 118,231.4669 0.1500 6.6663 44.4156 6.6627 787,743.1128
72 23,455.4898 0.0000 0.0000 156,363.2650 0.1500 6.6664 44.4221 6.6636 1,041,941.7667
75 35,672.8680 0.0000 0.0000 237,812.4532 0.1500 6.6665 44.4292 6.6646 1,584,916.3545
80 71,750.8794 0.0000 0.0000 478,332.5293 0.1500 6.6666 44.4364 6.6656 3,188,350.1956
84 125,492.7365 0.0000 0.0000 836,611.5768 0.1500 6.6666 44.4396 6.6660 5,576,850.5118
85 144,316.6470 0.0000 0.0000 962,104.3133 0.1500 6.6666 44.4402 6.6661 6,413,462.0886
90 290,272.3252 0.0000 0.0000 1,935,142.1680 0.1500 6.6666 44.4422 6.6664 12,900,347.7869
96 671,417.5268 0.0000 0.0000 4,476,110.1785 0.1500 6.6667 44.4434 6.6665 29,840,094.5236
100 1,174,313.4507 0.0000 0.0000 7,828,749.6713 0.1500 6.6667 44.4438 6.6666 52,190,997.8089
105 2,361,963.7994 0.0000 0.0000 15,746,418.6630 0.1500 6.6667 44.4441 6.6666 104,975,424.4197
108 3,592,251.6935 0.0000 0.0000 23,948,337.9565 0.1500 6.6667 44.4442 6.6666 159,654,866.3769
114 8,309,096.4524 0.0000 0.0000 55,393,969.6829 0.1500 6.6667 44.4443 6.6667 369,292,371.2194
120 19,219,445.0019 0.0000 0.0000 128,129,626.6795 0.1500 6.6667 44.4444 6.6667 854,196,711.1967

Tablas generadas en Excel Javier Zertuche Garza


i= 16.00% Flujo de efectivo discreto: factores de interés compuesto 16.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.1600 0.8621 1.0000 1.0000 1.1600 0.8621 0.0000 0.0000 0.0000
2 1.3456 0.7432 0.4630 2.1600 0.6230 1.6052 0.7432 0.4630 1.0000
3 1.5609 0.6407 0.2853 3.5056 0.4453 2.2459 2.0245 0.9014 3.1600
4 1.8106 0.5523 0.1974 5.0665 0.3574 2.7982 3.6814 1.3156 6.6656
5 2.1003 0.4761 0.1454 6.8771 0.3054 3.2743 5.5858 1.7060 11.7321
6 2.4364 0.4104 0.1114 8.9775 0.2714 3.6847 7.6380 2.0729 18.6092
7 2.8262 0.3538 0.0876 11.4139 0.2476 4.0386 9.7610 2.4169 27.5867
8 3.2784 0.3050 0.0702 14.2401 0.2302 4.3436 11.8962 2.7388 39.0006
9 3.8030 0.2630 0.0571 17.5185 0.2171 4.6065 13.9998 3.0391 53.2407
10 4.4114 0.2267 0.0469 21.3215 0.2069 4.8332 16.0399 3.3187 70.7592
11 5.1173 0.1954 0.0389 25.7329 0.1989 5.0286 17.9941 3.5783 92.0807
12 5.9360 0.1685 0.0324 30.8502 0.1924 5.1971 19.8472 3.8189 117.8136
13 6.8858 0.1452 0.0272 36.7862 0.1872 5.3423 21.5899 4.0413 148.6637
14 7.9875 0.1252 0.0229 43.6720 0.1829 5.4675 23.2175 4.2464 185.4499
15 9.2655 0.1079 0.0194 51.6595 0.1794 5.5755 24.7284 4.4352 229.1219
16 10.7480 0.0930 0.0164 60.9250 0.1764 5.6685 26.1241 4.6086 280.7814
17 12.4677 0.0802 0.0140 71.6730 0.1740 5.7487 27.4074 4.7676 341.7064
18 14.4625 0.0691 0.0119 84.1407 0.1719 5.8178 28.5828 4.9130 413.3795
19 16.7765 0.0596 0.0101 98.6032 0.1701 5.8775 29.6557 5.0457 497.5202
20 19.4608 0.0514 0.0087 115.3797 0.1687 5.9288 30.6321 5.1666 596.1234
21 22.5745 0.0443 0.0074 134.8405 0.1674 5.9731 31.5180 5.2766 711.5032
22 26.1864 0.0382 0.0064 157.4150 0.1664 6.0113 32.3200 5.3765 846.3437
23 30.3762 0.0329 0.0054 183.6014 0.1654 6.0442 33.0442 5.4671 1,003.7587
24 35.2364 0.0284 0.0047 213.9776 0.1647 6.0726 33.6970 5.5490 1,187.3600
25 40.8742 0.0245 0.0040 249.2140 0.1640 6.0971 34.2841 5.6230 1,401.3376
26 47.4141 0.0211 0.0034 290.0883 0.1634 6.1182 34.8114 5.6898 1,650.5517
27 55.0004 0.0182 0.0030 337.5024 0.1630 6.1364 35.2841 5.7500 1,940.6399
28 63.8004 0.0157 0.0025 392.5028 0.1625 6.1520 35.7073 5.8041 2,278.1423
29 74.0085 0.0135 0.0022 456.3032 0.1622 6.1656 36.0856 5.8528 2,670.6451
30 85.8499 0.0116 0.0019 530.3117 0.1619 6.1772 36.4234 5.8964 3,126.9483
31 99.5859 0.0100 0.0016 616.1616 0.1616 6.1872 36.7247 5.9356 3,657.2600
32 115.5196 0.0087 0.0014 715.7475 0.1614 6.1959 36.9930 5.9706 4,273.4217
33 134.0027 0.0075 0.0012 831.2671 0.1612 6.2034 37.2318 6.0019 4,989.1691
34 155.4432 0.0064 0.0010 965.2698 0.1610 6.2098 37.4441 6.0299 5,820.4362
35 180.3141 0.0055 0.0009 1,120.7130 0.1609 6.2153 37.6327 6.0548 6,785.7060
36 209.1643 0.0048 0.0008 1,301.0270 0.1608 6.2201 37.8000 6.0771 7,906.4189
37 242.6306 0.0041 0.0007 1,510.1914 0.1607 6.2242 37.9484 6.0969 9,207.4460
38 281.4515 0.0036 0.0006 1,752.8220 0.1606 6.2278 38.0799 6.1145 10,717.6373
39 326.4838 0.0031 0.0005 2,034.2735 0.1605 6.2309 38.1963 6.1302 12,470.4593
40 378.7212 0.0026 0.0004 2,360.7572 0.1604 6.2335 38.2992 6.1441 14,504.7328
41 439.3165 0.0023 0.0004 2,739.4784 0.1604 6.2358 38.3903 6.1565 16,865.4900
42 509.6072 0.0020 0.0003 3,178.7949 0.1603 6.2377 38.4707 6.1674 19,604.9684
43 591.1443 0.0017 0.0003 3,688.4021 0.1603 6.2394 38.5418 6.1771 22,783.7633
44 685.7274 0.0015 0.0002 4,279.5465 0.1602 6.2409 38.6045 6.1857 26,472.1655
45 795.4438 0.0013 0.0002 4,965.2739 0.1602 6.2421 38.6598 6.1934 30,751.7119
46 922.7148 0.0011 0.0002 5,760.7177 0.1602 6.2432 38.7086 6.2001 35,716.9859
47 1,070.3492 0.0009 0.0001 6,683.4326 0.1601 6.2442 38.7516 6.2060 41,477.7036
48 1,241.6051 0.0008 0.0001 7,753.7818 0.1601 6.2450 38.7894 6.2113 48,161.1362
49 1,440.2619 0.0007 0.0001 8,995.3869 0.1601 6.2457 38.8227 6.2160 55,914.9180
50 1,670.7038 0.0006 0.0001 10,435.6488 0.1601 6.2463 38.8521 6.2201 64,910.3048
55 3,509.0488 0.0003 0.0000 21,925.3050 0.1600 6.2482 38.9534 6.2343 136,689.4061
60 7,370.2014 0.0001 0.0000 46,057.5085 0.1600 6.2492 39.0063 6.2419 287,484.4283
65 15,479.9410 0.0001 0.0000 96,743.3810 0.1600 6.2496 39.0337 6.2458 604,239.8810
70 32,513.1648 0.0000 0.0000 203,201.0302 0.1600 6.2498 39.0478 6.2478 1,269,568.9390
72 43,749.7146 0.0000 0.0000 273,429.4663 0.1600 6.2499 39.0513 6.2484 1,708,484.1644
75 68,288.7545 0.0000 0.0000 426,798.4658 0.1600 6.2499 39.0551 6.2489 2,667,021.6614
80 143,429.7159 0.0000 0.0000 896,429.4743 0.1600 6.2500 39.0587 6.2494 5,602,184.2145
84 259,699.4890 0.0000 0.0000 1,623,115.5562 0.1600 6.2500 39.0603 6.2497 10,143,947.2260
85 301,251.4072 0.0000 0.0000 1,882,815.0451 0.1600 6.2500 39.0606 6.2497 11,767,062.7821
90 632,730.8800 0.0000 0.0000 3,954,561.7500 0.1600 6.2500 39.0615 6.2499 24,715,448.4375
96 1,541,583.1894 0.0000 0.0000 9,634,888.6835 0.1600 6.2500 39.0621 6.2499 60,217,454.2720
100 2,791,251.1994 0.0000 0.0000 17,445,313.7461 0.1600 6.2500 39.0623 6.2500 109,032,585.9131
105 5,862,581.1709 0.0000 0.0000 36,641,126.0680 0.1600 6.2500 39.0624 6.2500 229,006,381.6747
108 9,150,879.4993 0.0000 0.0000 57,192,990.6206 0.1600 6.2500 39.0624 6.2500 357,455,516.3785
114 22,295,169.1626 0.0000 0.0000 139,344,801.0163 0.1600 6.2500 39.0625 6.2500 870,904,293.8517
120 54,319,868.1643 0.0000 0.0000 339,499,169.7771 0.1600 6.2500 39.0625 6.2500 2,121,869,061.1066

Tablas generadas en Excel Javier Zertuche Garza


i= 17.00% Flujo de efectivo discreto: factores de interés compuesto 17.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.1700 0.8547 1.0000 1.0000 1.1700 0.8547 0.0000 0.0000 0.0000
2 1.3689 0.7305 0.4608 2.1700 0.6308 1.5852 0.7305 0.4608 1.0000
3 1.6016 0.6244 0.2826 3.5389 0.4526 2.2096 1.9793 0.8958 3.1700
4 1.8739 0.5337 0.1945 5.1405 0.3645 2.7432 3.5802 1.3051 6.7089
5 2.1924 0.4561 0.1426 7.0144 0.3126 3.1993 5.4046 1.6893 11.8494
6 2.5652 0.3898 0.1086 9.2068 0.2786 3.5892 7.3538 2.0489 18.8638
7 3.0012 0.3332 0.0849 11.7720 0.2549 3.9224 9.3530 2.3845 28.0707
8 3.5115 0.2848 0.0677 14.7733 0.2377 4.2072 11.3465 2.6969 39.8427
9 4.1084 0.2434 0.0547 18.2847 0.2247 4.4506 13.2937 2.9870 54.6159
10 4.8068 0.2080 0.0447 22.3931 0.2147 4.6586 15.1661 3.2555 72.9006
11 5.6240 0.1778 0.0368 27.1999 0.2068 4.8364 16.9442 3.5035 95.2937
12 6.5801 0.1520 0.0305 32.8239 0.2005 4.9884 18.6159 3.7318 122.4937
13 7.6987 0.1299 0.0254 39.4040 0.1954 5.1183 20.1746 3.9417 155.3176
14 9.0075 0.1110 0.0212 47.1027 0.1912 5.2293 21.6178 4.1340 194.7216
15 10.5387 0.0949 0.0178 56.1101 0.1878 5.3242 22.9463 4.3098 241.8243
16 12.3303 0.0811 0.0150 66.6488 0.1850 5.4053 24.1628 4.4702 297.9344
17 14.4265 0.0693 0.0127 78.9792 0.1827 5.4746 25.2719 4.6162 364.5832
18 16.8790 0.0592 0.0107 93.4056 0.1807 5.5339 26.2790 4.7488 443.5624
19 19.7484 0.0506 0.0091 110.2846 0.1791 5.5845 27.1905 4.8689 536.9680
20 23.1056 0.0433 0.0077 130.0329 0.1777 5.6278 28.0128 4.9776 647.2526
21 27.0336 0.0370 0.0065 153.1385 0.1765 5.6648 28.7526 5.0757 777.2855
22 31.6293 0.0316 0.0056 180.1721 0.1756 5.6964 29.4166 5.1641 930.4240
23 37.0062 0.0270 0.0047 211.8013 0.1747 5.7234 30.0111 5.2436 1,110.5961
24 43.2973 0.0231 0.0040 248.8076 0.1740 5.7465 30.5423 5.3149 1,322.3975
25 50.6578 0.0197 0.0034 292.1049 0.1734 5.7662 31.0160 5.3789 1,571.2050
26 59.2697 0.0169 0.0029 342.7627 0.1729 5.7831 31.4378 5.4362 1,863.3099
27 69.3455 0.0144 0.0025 402.0323 0.1725 5.7975 31.8128 5.4873 2,206.0726
28 81.1342 0.0123 0.0021 471.3778 0.1721 5.8099 32.1456 5.5329 2,608.1049
29 94.9271 0.0105 0.0018 552.5121 0.1718 5.8204 32.4405 5.5736 3,079.4827
30 111.0647 0.0090 0.0015 647.4391 0.1715 5.8294 32.7016 5.6098 3,631.9948
31 129.9456 0.0077 0.0013 758.5038 0.1713 5.8371 32.9325 5.6419 4,279.4339
32 152.0364 0.0066 0.0011 888.4494 0.1711 5.8437 33.1364 5.6705 5,037.9377
33 177.8826 0.0056 0.0010 1,040.4858 0.1710 5.8493 33.3163 5.6958 5,926.3871
34 208.1226 0.0048 0.0008 1,218.3684 0.1708 5.8541 33.4748 5.7182 6,966.8729
35 243.5035 0.0041 0.0007 1,426.4910 0.1707 5.8582 33.6145 5.7380 8,185.2413
36 284.8991 0.0035 0.0006 1,669.9945 0.1706 5.8617 33.7373 5.7555 9,611.7323
37 333.3319 0.0030 0.0005 1,954.8936 0.1705 5.8647 33.8453 5.7710 11,281.7268
38 389.9983 0.0026 0.0004 2,288.2255 0.1704 5.8673 33.9402 5.7847 13,236.6204
39 456.2980 0.0022 0.0004 2,678.2238 0.1704 5.8695 34.0235 5.7967 15,524.8458
40 533.8687 0.0019 0.0003 3,134.5218 0.1703 5.8713 34.0965 5.8073 18,203.0696
41 624.6264 0.0016 0.0003 3,668.3906 0.1703 5.8729 34.1606 5.8166 21,337.5915
42 730.8129 0.0014 0.0002 4,293.0169 0.1702 5.8743 34.2167 5.8248 25,005.9820
43 855.0511 0.0012 0.0002 5,023.8298 0.1702 5.8755 34.2658 5.8320 29,298.9990
44 1,000.4098 0.0010 0.0002 5,878.8809 0.1702 5.8765 34.3088 5.8383 34,322.8288
45 1,170.4794 0.0009 0.0001 6,879.2907 0.1701 5.8773 34.3464 5.8439 40,201.7097
46 1,369.4609 0.0007 0.0001 8,049.7701 0.1701 5.8781 34.3792 5.8487 47,081.0004
47 1,602.2693 0.0006 0.0001 9,419.2310 0.1701 5.8787 34.4079 5.8530 55,130.7704
48 1,874.6550 0.0005 0.0001 11,021.5002 0.1701 5.8792 34.4330 5.8567 64,550.0014
49 2,193.3464 0.0005 0.0001 12,896.1553 0.1701 5.8797 34.4549 5.8600 75,571.5016
50 2,566.2153 0.0004 0.0001 15,089.5017 0.1701 5.8801 34.4740 5.8629 88,467.6569
55 5,626.2937 0.0002 0.0000 33,089.9627 0.1700 5.8813 34.5384 5.8726 194,323.3100
60 12,335.3565 0.0001 0.0000 72,555.0381 0.1700 5.8819 34.5707 5.8775 426,441.4008
65 27,044.6281 0.0000 0.0000 159,080.1652 0.1700 5.8821 34.5867 5.8799 935,383.3249
70 59,293.9417 0.0000 0.0000 348,782.0102 0.1700 5.8823 34.5945 5.8812 2,051,247.1186
72 81,167.4768 0.0000 0.0000 477,449.8637 0.1700 5.8823 34.5964 5.8815 2,808,105.0807
75 129,998.8861 0.0000 0.0000 764,693.4475 0.1700 5.8823 34.5984 5.8818 4,497,755.5734
80 285,015.8024 0.0000 0.0000 1,676,557.6612 0.1700 5.8823 34.6003 5.8821 9,861,633.3015
84 534,087.4668 0.0000 0.0000 3,141,685.0988 0.1700 5.8823 34.6011 5.8822 18,480,006.4632
85 624,882.3361 0.0000 0.0000 3,675,772.5655 0.1700 5.8823 34.6012 5.8822 21,621,691.5620
90 1,370,022.0504 0.0000 0.0000 8,058,947.3554 0.1700 5.8823 34.6017 5.8823 47,405,043.2670
96 3,514,331.5194 0.0000 0.0000 20,672,532.4668 0.1700 5.8824 34.6019 5.8823 121,602,567.4521
100 6,585,460.8858 0.0000 0.0000 38,737,999.3285 0.1700 5.8824 34.6020 5.8823 227,869,996.0497
105 14,438,280.7833 0.0000 0.0000 84,931,057.5490 0.1700 5.8824 34.6020 5.8823 499,593,838.5236
108 23,124,538.2002 0.0000 0.0000 136,026,689.4131 0.1700 5.8824 34.6020 5.8823 800,156,361.2538
114 59,318,237.5737 0.0000 0.0000 348,930,803.3746 0.1700 5.8824 34.6021 5.8824 2,052,533,466.9094
120 152,161,019.5360 0.0000 0.0000 895,064,814.9179 0.1700 5.8824 34.6021 5.8824 5,265,086,440.6933

Tablas generadas en Excel Javier Zertuche Garza


i= 18.00% Flujo de efectivo discreto: factores de interés compuesto 18.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.1800 0.8475 1.0000 1.0000 1.1800 0.8475 0.0000 0.0000 0.0000
2 1.3924 0.7182 0.4587 2.1800 0.6387 1.5656 0.7182 0.4587 1.0000
3 1.6430 0.6086 0.2799 3.5724 0.4599 2.1743 1.9354 0.8902 3.1800
4 1.9388 0.5158 0.1917 5.2154 0.3717 2.6901 3.4828 1.2947 6.7524
5 2.2878 0.4371 0.1398 7.1542 0.3198 3.1272 5.2312 1.6728 11.9678
6 2.6996 0.3704 0.1059 9.4420 0.2859 3.4976 7.0834 2.0252 19.1220
7 3.1855 0.3139 0.0824 12.1415 0.2624 3.8115 8.9670 2.3526 28.5640
8 3.7589 0.2660 0.0652 15.3270 0.2452 4.0776 10.8292 2.6558 40.7055
9 4.4355 0.2255 0.0524 19.0859 0.2324 4.3030 12.6329 2.9358 56.0325
10 5.2338 0.1911 0.0425 23.5213 0.2225 4.4941 14.3525 3.1936 75.1184
11 6.1759 0.1619 0.0348 28.7551 0.2148 4.6560 15.9716 3.4303 98.6397
12 7.2876 0.1372 0.0286 34.9311 0.2086 4.7932 17.4811 3.6470 127.3948
13 8.5994 0.1163 0.0237 42.2187 0.2037 4.9095 18.8765 3.8449 162.3259
14 10.1472 0.0985 0.0197 50.8180 0.1997 5.0081 20.1576 4.0250 204.5446
15 11.9737 0.0835 0.0164 60.9653 0.1964 5.0916 21.3269 4.1887 255.3626
16 14.1290 0.0708 0.0137 72.9390 0.1937 5.1624 22.3885 4.3369 316.3279
17 16.6722 0.0600 0.0115 87.0680 0.1915 5.2223 23.3482 4.4708 389.2669
18 19.6733 0.0508 0.0096 103.7403 0.1896 5.2732 24.2123 4.5916 476.3349
19 23.2144 0.0431 0.0081 123.4135 0.1881 5.3162 24.9877 4.7003 580.0752
20 27.3930 0.0365 0.0068 146.6280 0.1868 5.3527 25.6813 4.7978 703.4887
21 32.3238 0.0309 0.0057 174.0210 0.1857 5.3837 26.3000 4.8851 850.1167
22 38.1421 0.0262 0.0048 206.3448 0.1848 5.4099 26.8506 4.9632 1,024.1377
23 45.0076 0.0222 0.0041 244.4868 0.1841 5.4321 27.3394 5.0329 1,230.4825
24 53.1090 0.0188 0.0035 289.4945 0.1835 5.4509 27.7725 5.0950 1,474.9693
25 62.6686 0.0160 0.0029 342.6035 0.1829 5.4669 28.1555 5.1502 1,764.4638
26 73.9490 0.0135 0.0025 405.2721 0.1825 5.4804 28.4935 5.1991 2,107.0673
27 87.2598 0.0115 0.0021 479.2211 0.1821 5.4919 28.7915 5.2425 2,512.3394
28 102.9666 0.0097 0.0018 566.4809 0.1818 5.5016 29.0537 5.2810 2,991.5605
29 121.5005 0.0082 0.0015 669.4475 0.1815 5.5098 29.2842 5.3149 3,558.0414
30 143.3706 0.0070 0.0013 790.9480 0.1813 5.5168 29.4864 5.3448 4,227.4888
31 169.1774 0.0059 0.0011 934.3186 0.1811 5.5227 29.6638 5.3712 5,018.4368
32 199.6293 0.0050 0.0009 1,103.4960 0.1809 5.5277 29.8191 5.3945 5,952.7555
33 235.5625 0.0042 0.0008 1,303.1253 0.1808 5.5320 29.9549 5.4149 7,056.2514
34 277.9638 0.0036 0.0006 1,538.6878 0.1806 5.5356 30.0736 5.4328 8,359.3767
35 327.9973 0.0030 0.0006 1,816.6516 0.1806 5.5386 30.1773 5.4485 9,898.0645
36 387.0368 0.0026 0.0005 2,144.6489 0.1805 5.5412 30.2677 5.4623 11,714.7161
37 456.7034 0.0022 0.0004 2,531.6857 0.1804 5.5434 30.3465 5.4744 13,859.3650
38 538.9100 0.0019 0.0003 2,988.3891 0.1803 5.5452 30.4152 5.4849 16,391.0507
39 635.9139 0.0016 0.0003 3,527.2992 0.1803 5.5468 30.4749 5.4941 19,379.4399
40 750.3783 0.0013 0.0002 4,163.2130 0.1802 5.5482 30.5269 5.5022 22,906.7390
41 885.4464 0.0011 0.0002 4,913.5914 0.1802 5.5493 30.5721 5.5092 27,069.9521
42 1,044.8268 0.0010 0.0002 5,799.0378 0.1802 5.5502 30.6113 5.5153 31,983.5434
43 1,232.8956 0.0008 0.0001 6,843.8646 0.1801 5.5510 30.6454 5.5207 37,782.5813
44 1,454.8168 0.0007 0.0001 8,076.7603 0.1801 5.5517 30.6750 5.5253 44,626.4459
45 1,716.6839 0.0006 0.0001 9,531.5771 0.1801 5.5523 30.7006 5.5293 52,703.2061
46 2,025.6870 0.0005 0.0001 11,248.2610 0.1801 5.5528 30.7228 5.5328 62,234.7832
47 2,390.3106 0.0004 0.0001 13,273.9480 0.1801 5.5532 30.7420 5.5359 73,483.0442
48 2,820.5665 0.0004 0.0001 15,664.2586 0.1801 5.5536 30.7587 5.5385 86,756.9922
49 3,328.2685 0.0003 0.0001 18,484.8251 0.1801 5.5539 30.7731 5.5408 102,421.2508
50 3,927.3569 0.0003 0.0000 21,813.0937 0.1800 5.5541 30.7856 5.5428 120,906.0759
55 8,984.8411 0.0001 0.0000 49,910.2284 0.1800 5.5549 30.8268 5.5494 276,973.4914
60 20,555.1400 0.0000 0.0000 114,189.6665 0.1800 5.5553 30.8465 5.5526 634,053.7027
65 47,025.1809 0.0000 0.0000 261,245.4494 0.1800 5.5554 30.8559 5.5542 1,451,002.4969
70 107,582.2224 0.0000 0.0000 597,673.4576 0.1800 5.5555 30.8603 5.5549 3,320,019.2089
72 149,797.4864 0.0000 0.0000 832,202.7024 0.1800 5.5555 30.8613 5.5551 4,622,948.3465
75 246,122.0637 0.0000 0.0000 1,367,339.2429 0.1800 5.5555 30.8624 5.5553 7,595,912.4604
80 563,067.6604 0.0000 0.0000 3,128,148.1133 0.1800 5.5555 30.8634 5.5554 17,378,156.1847
84 1,091,663.0573 0.0000 0.0000 6,064,789.2074 0.1800 5.5556 30.8637 5.5555 33,692,806.7077
85 1,288,162.4077 0.0000 0.0000 7,156,452.2647 0.1800 5.5556 30.8638 5.5555 39,757,595.9151
90 2,947,003.5401 0.0000 0.0000 16,372,236.3340 0.1800 5.5556 30.8640 5.5555 90,956,368.5222
96 7,955,595.6457 0.0000 0.0000 44,197,748.0317 0.1800 5.5556 30.8641 5.5555 245,542,511.2873
100 15,424,131.9055 0.0000 0.0000 85,689,616.1414 0.1800 5.5556 30.8642 5.5555 476,052,867.4523
105 35,286,677.4086 0.0000 0.0000 196,037,091.1589 0.1800 5.5556 30.8642 5.5556 1,089,094,367.5496
108 57,977,140.1560 0.0000 0.0000 322,095,217.5334 0.1800 5.5556 30.8642 5.5556 1,789,417,275.1858
114 156,512,429.4886 0.0000 0.0000 869,513,491.6035 0.1800 5.5556 30.8642 5.5556 4,830,629,875.5751
120 422,513,779.0259 0.0000 0.0000 2,347,298,766.8107 0.1800 5.5556 30.8642 5.5556 13,040,548,037.8369

Tablas generadas en Excel Javier Zertuche Garza


i= 19.00% Flujo de efectivo discreto: factores de interés compuesto 19.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.1900 0.8403 1.0000 1.0000 1.1900 0.8403 0.0000 0.0000 0.0000
2 1.4161 0.7062 0.4566 2.1900 0.6466 1.5465 0.7062 0.4566 1.0000
3 1.6852 0.5934 0.2773 3.6061 0.4673 2.1399 1.8930 0.8846 3.1900
4 2.0053 0.4987 0.1890 5.2913 0.3790 2.6386 3.3890 1.2844 6.7961
5 2.3864 0.4190 0.1371 7.2966 0.3271 3.0576 5.0652 1.6566 12.0874
6 2.8398 0.3521 0.1033 9.6830 0.2933 3.4098 6.8259 2.0019 19.3840
7 3.3793 0.2959 0.0799 12.5227 0.2699 3.7057 8.6014 2.3211 29.0669
8 4.0214 0.2487 0.0629 15.9020 0.2529 3.9544 10.3421 2.6154 41.5896
9 4.7854 0.2090 0.0502 19.9234 0.2402 4.1633 12.0138 2.8856 57.4916
10 5.6947 0.1756 0.0405 24.7089 0.2305 4.3389 13.5943 3.1331 77.4151
11 6.7767 0.1476 0.0329 30.4035 0.2229 4.4865 15.0699 3.3589 102.1239
12 8.0642 0.1240 0.0269 37.1802 0.2169 4.6105 16.4340 3.5645 132.5275
13 9.5964 0.1042 0.0221 45.2445 0.2121 4.7147 17.6844 3.7509 169.7077
14 11.4198 0.0876 0.0182 54.8409 0.2082 4.8023 18.8228 3.9196 214.9522
15 13.5895 0.0736 0.0151 66.2607 0.2051 4.8759 19.8530 4.0717 269.7931
16 16.1715 0.0618 0.0125 79.8502 0.2025 4.9377 20.7806 4.2086 336.0537
17 19.2441 0.0520 0.0104 96.0218 0.2004 4.9897 21.6120 4.3314 415.9040
18 22.9005 0.0437 0.0087 115.2659 0.1987 5.0333 22.3543 4.4413 511.9257
19 27.2516 0.0367 0.0072 138.1664 0.1972 5.0700 23.0148 4.5394 627.1916
20 32.4294 0.0308 0.0060 165.4180 0.1960 5.1009 23.6007 4.6268 765.3580
21 38.5910 0.0259 0.0051 197.8474 0.1951 5.1268 24.1190 4.7045 930.7760
22 45.9233 0.0218 0.0042 236.4385 0.1942 5.1486 24.5763 4.7734 1,128.6235
23 54.6487 0.0183 0.0035 282.3618 0.1935 5.1668 24.9788 4.8344 1,365.0619
24 65.0320 0.0154 0.0030 337.0105 0.1930 5.1822 25.3325 4.8883 1,647.4237
25 77.3881 0.0129 0.0025 402.0425 0.1925 5.1951 25.6426 4.9359 1,984.4342
26 92.0918 0.0109 0.0021 479.4306 0.1921 5.2060 25.9141 4.9777 2,386.4767
27 109.5893 0.0091 0.0017 571.5224 0.1917 5.2151 26.1514 5.0145 2,865.9072
28 130.4112 0.0077 0.0015 681.1116 0.1915 5.2228 26.3584 5.0468 3,437.4296
29 155.1893 0.0064 0.0012 811.5228 0.1912 5.2292 26.5388 5.0751 4,118.5412
30 184.6753 0.0054 0.0010 966.7122 0.1910 5.2347 26.6958 5.0998 4,930.0640
31 219.7636 0.0046 0.0009 1,151.3875 0.1909 5.2392 26.8324 5.1215 5,896.7762
32 261.5187 0.0038 0.0007 1,371.1511 0.1907 5.2430 26.9509 5.1403 7,048.1637
33 311.2073 0.0032 0.0006 1,632.6698 0.1906 5.2462 27.0537 5.1568 8,419.3148
34 370.3366 0.0027 0.0005 1,943.8771 0.1905 5.2489 27.1428 5.1711 10,051.9846
35 440.7006 0.0023 0.0004 2,314.2137 0.1904 5.2512 27.2200 5.1836 11,995.8617
36 524.4337 0.0019 0.0004 2,754.9143 0.1904 5.2531 27.2867 5.1944 14,310.0754
37 624.0761 0.0016 0.0003 3,279.3481 0.1903 5.2547 27.3444 5.2038 17,064.9897
38 742.6506 0.0013 0.0003 3,903.4242 0.1903 5.2561 27.3942 5.2119 20,344.3378
39 883.7542 0.0011 0.0002 4,646.0748 0.1902 5.2572 27.4372 5.2190 24,247.7620
40 1,051.6675 0.0010 0.0002 5,529.8290 0.1902 5.2582 27.4743 5.2251 28,893.8367
41 1,251.4843 0.0008 0.0002 6,581.4965 0.1902 5.2590 27.5063 5.2304 34,423.6657
42 1,489.2664 0.0007 0.0001 7,832.9808 0.1901 5.2596 27.5338 5.2349 41,005.1622
43 1,772.2270 0.0006 0.0001 9,322.2472 0.1901 5.2602 27.5575 5.2389 48,838.1430
44 2,108.9501 0.0005 0.0001 11,094.4741 0.1901 5.2607 27.5779 5.2423 58,160.3902
45 2,509.6506 0.0004 0.0001 13,203.4242 0.1901 5.2611 27.5954 5.2452 69,254.8644
46 2,986.4842 0.0003 0.0001 15,713.0748 0.1901 5.2614 27.6105 5.2478 82,458.2886
47 3,553.9162 0.0003 0.0001 18,699.5590 0.1901 5.2617 27.6234 5.2499 98,171.3634
48 4,229.1603 0.0002 0.0000 22,253.4753 0.1900 5.2619 27.6345 5.2518 116,870.9225
49 5,032.7008 0.0002 0.0000 26,482.6356 0.1900 5.2621 27.6441 5.2534 139,124.3977
50 5,988.9139 0.0002 0.0000 31,515.3363 0.1900 5.2623 27.6523 5.2548 165,607.0333
55 14,291.6666 0.0001 0.0000 75,214.0348 0.1900 5.2628 27.6786 5.2593 395,573.8673
60 34,104.9709 0.0000 0.0000 179,494.5838 0.1900 5.2630 27.6908 5.2614 944,392.5462
65 81,386.5222 0.0000 0.0000 428,344.8535 0.1900 5.2631 27.6963 5.2624 2,254,104.4924
70 194,217.0251 0.0000 0.0000 1,022,189.6056 0.1900 5.2631 27.6988 5.2628 5,379,576.8714
72 275,030.7292 0.0000 0.0000 1,447,524.8904 0.1900 5.2631 27.6994 5.2629 7,618,173.1075
75 463,470.5086 0.0000 0.0000 2,439,313.2029 0.1900 5.2631 27.6999 5.2630 12,838,095.8049
80 1,106,004.5444 0.0000 0.0000 5,821,071.2861 0.1900 5.2632 27.7004 5.2631 30,636,796.2425
84 2,217,914.2792 0.0000 0.0000 11,673,227.7854 0.1900 5.2632 27.7006 5.2631 61,437,598.8707
85 2,639,317.9923 0.0000 0.0000 13,891,142.0647 0.1900 5.2632 27.7007 5.2631 73,110,826.6561
90 6,298,346.1505 0.0000 0.0000 33,149,185.0028 0.1900 5.2632 27.7008 5.2631 174,468,921.0673
96 17,885,796.8513 0.0000 0.0000 94,135,767.6383 0.1900 5.2632 27.7008 5.2632 495,450,903.3596
100 35,867,089.7280 0.0000 0.0000 188,774,151.1998 0.1900 5.2632 27.7008 5.2632 993,547,637.8939
105 85,591,560.8423 0.0000 0.0000 450,481,893.9069 0.1900 5.2632 27.7008 5.2632 2,370,956,783.7204
108 144,235,389.0775 0.0000 0.0000 759,133,621.4603 0.1900 5.2632 27.7008 5.2632 3,995,439,544.5279
114 409,594,011.8484 0.0000 0.0000 2,155,757,951.8336 0.1900 5.2632 27.7008 5.2632 11,346,093,883.3348
120 1,163,149,041.4046 0.0000 0.0000 6,121,837,054.7608 0.1900 5.2632 27.7008 5.2632 32,220,194,393.4779

Tablas generadas en Excel Javier Zertuche Garza


i= 20.00% Flujo de efectivo discreto: factores de interés compuesto 20.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.2000 0.8333 1.0000 1.0000 1.2000 0.8333 0.0000 0.0000 0.0000
2 1.4400 0.6944 0.4545 2.2000 0.6545 1.5278 0.6944 0.4545 1.0000
3 1.7280 0.5787 0.2747 3.6400 0.4747 2.1065 1.8519 0.8791 3.2000
4 2.0736 0.4823 0.1863 5.3680 0.3863 2.5887 3.2986 1.2742 6.8400
5 2.4883 0.4019 0.1344 7.4416 0.3344 2.9906 4.9061 1.6405 12.2080
6 2.9860 0.3349 0.1007 9.9299 0.3007 3.3255 6.5806 1.9788 19.6496
7 3.5832 0.2791 0.0774 12.9159 0.2774 3.6046 8.2551 2.2902 29.5795
8 4.2998 0.2326 0.0606 16.4991 0.2606 3.8372 9.8831 2.5756 42.4954
9 5.1598 0.1938 0.0481 20.7989 0.2481 4.0310 11.4335 2.8364 58.9945
10 6.1917 0.1615 0.0385 25.9587 0.2385 4.1925 12.8871 3.0739 79.7934
11 7.4301 0.1346 0.0311 32.1504 0.2311 4.3271 14.2330 3.2893 105.7521
12 8.9161 0.1122 0.0253 39.5805 0.2253 4.4392 15.4667 3.4841 137.9025
13 10.6993 0.0935 0.0206 48.4966 0.2206 4.5327 16.5883 3.6597 177.4830
14 12.8392 0.0779 0.0169 59.1959 0.2169 4.6106 17.6008 3.8175 225.9796
15 15.4070 0.0649 0.0139 72.0351 0.2139 4.6755 18.5095 3.9588 285.1755
16 18.4884 0.0541 0.0114 87.4421 0.2114 4.7296 19.3208 4.0851 357.2106
17 22.1861 0.0451 0.0094 105.9306 0.2094 4.7746 20.0419 4.1976 444.6528
18 26.6233 0.0376 0.0078 128.1167 0.2078 4.8122 20.6805 4.2975 550.5833
19 31.9480 0.0313 0.0065 154.7400 0.2065 4.8435 21.2439 4.3861 678.7000
20 38.3376 0.0261 0.0054 186.6880 0.2054 4.8696 21.7395 4.4643 833.4400
21 46.0051 0.0217 0.0044 225.0256 0.2044 4.8913 22.1742 4.5334 1,020.1280
22 55.2061 0.0181 0.0037 271.0307 0.2037 4.9094 22.5546 4.5941 1,245.1536
23 66.2474 0.0151 0.0031 326.2369 0.2031 4.9245 22.8867 4.6475 1,516.1843
24 79.4968 0.0126 0.0025 392.4842 0.2025 4.9371 23.1760 4.6943 1,842.4212
25 95.3962 0.0105 0.0021 471.9811 0.2021 4.9476 23.4276 4.7352 2,234.9054
26 114.4755 0.0087 0.0018 567.3773 0.2018 4.9563 23.6460 4.7709 2,706.8865
27 137.3706 0.0073 0.0015 681.8528 0.2015 4.9636 23.8353 4.8020 3,274.2638
28 164.8447 0.0061 0.0012 819.2233 0.2012 4.9697 23.9991 4.8291 3,956.1166
29 197.8136 0.0051 0.0010 984.0680 0.2010 4.9747 24.1406 4.8527 4,775.3399
30 237.3763 0.0042 0.0008 1,181.8816 0.2008 4.9789 24.2628 4.8731 5,759.4078
31 284.8516 0.0035 0.0007 1,419.2579 0.2007 4.9824 24.3681 4.8908 6,941.2894
32 341.8219 0.0029 0.0006 1,704.1095 0.2006 4.9854 24.4588 4.9061 8,360.5473
33 410.1863 0.0024 0.0005 2,045.9314 0.2005 4.9878 24.5368 4.9194 10,064.6568
34 492.2235 0.0020 0.0004 2,456.1176 0.2004 4.9898 24.6038 4.9308 12,110.5881
35 590.6682 0.0017 0.0003 2,948.3411 0.2003 4.9915 24.6614 4.9406 14,566.7057
36 708.8019 0.0014 0.0003 3,539.0094 0.2003 4.9929 24.7108 4.9491 17,515.0469
37 850.5622 0.0012 0.0002 4,247.8112 0.2002 4.9941 24.7531 4.9564 21,054.0562
38 1,020.6747 0.0010 0.0002 5,098.3735 0.2002 4.9951 24.7894 4.9627 25,301.8675
39 1,224.8096 0.0008 0.0002 6,119.0482 0.2002 4.9959 24.8204 4.9681 30,400.2410
40 1,469.7716 0.0007 0.0001 7,343.8578 0.2001 4.9966 24.8469 4.9728 36,519.2892
41 1,763.7259 0.0006 0.0001 8,813.6294 0.2001 4.9972 24.8696 4.9767 43,863.1470
42 2,116.4711 0.0005 0.0001 10,577.3553 0.2001 4.9976 24.8890 4.9801 52,676.7764
43 2,539.7653 0.0004 0.0001 12,693.8263 0.2001 4.9980 24.9055 4.9831 63,254.1317
44 3,047.7183 0.0003 0.0001 15,233.5916 0.2001 4.9984 24.9196 4.9856 75,947.9581
45 3,657.2620 0.0003 0.0001 18,281.3099 0.2001 4.9986 24.9316 4.9877 91,181.5497
46 4,388.7144 0.0002 0.0000 21,938.5719 0.2000 4.9989 24.9419 4.9895 109,462.8596
47 5,266.4573 0.0002 0.0000 26,327.2863 0.2000 4.9991 24.9506 4.9911 131,401.4316
48 6,319.7487 0.0002 0.0000 31,593.7436 0.2000 4.9992 24.9581 4.9924 157,728.7179
49 7,583.6985 0.0001 0.0000 37,913.4923 0.2000 4.9993 24.9644 4.9935 189,322.4615
50 9,100.4382 0.0001 0.0000 45,497.1908 0.2000 4.9995 24.9698 4.9945 227,235.9538
55 22,644.8023 0.0000 0.0000 113,219.0113 0.2000 4.9998 24.9868 4.9976 565,820.0564
60 56,347.5144 0.0000 0.0000 281,732.5718 0.2000 4.9999 24.9942 4.9989 1,408,362.8588
65 140,210.6469 0.0000 0.0000 701,048.2346 0.2000 5.0000 24.9975 4.9995 3,504,916.1729
70 348,888.9569 0.0000 0.0000 1,744,439.7847 0.2000 5.0000 24.9989 4.9998 8,721,848.9233
72 502,400.0980 0.0000 0.0000 2,511,995.4899 0.2000 5.0000 24.9992 4.9999 12,559,617.4496
75 868,147.3693 0.0000 0.0000 4,340,731.8466 0.2000 5.0000 24.9995 4.9999 21,703,284.2328
80 2,160,228.4620 0.0000 0.0000 10,801,137.3101 0.2000 5.0000 24.9998 5.0000 54,005,286.5503
84 4,479,449.7388 0.0000 0.0000 22,397,243.6941 0.2000 5.0000 24.9999 5.0000 111,985,798.4706
85 5,375,339.6866 0.0000 0.0000 26,876,693.4329 0.2000 5.0000 24.9999 5.0000 134,383,042.1647
90 13,375,565.2489 0.0000 0.0000 66,877,821.2447 0.2000 5.0000 25.0000 5.0000 334,388,656.2234
96 39,939,223.8243 0.0000 0.0000 199,696,114.1214 0.2000 5.0000 25.0000 5.0000 998,480,090.6068
100 82,817,974.5220 0.0000 0.0000 414,089,867.6101 0.2000 5.0000 25.0000 5.0000 2,070,448,838.0504
105 206,077,622.3626 0.0000 0.0000 1,030,388,106.8131 0.2000 5.0000 25.0000 5.0000 5,151,940,009.0655
108 356,102,131.4426 0.0000 0.0000 1,780,510,652.2130 0.2000 5.0000 25.0000 5.0000 8,902,552,721.0651
114 1,063,315,266.8535 0.0000 0.0000 5,316,576,329.2676 0.2000 5.0000 25.0000 5.0000 26,582,881,076.3379
120 3,175,042,373.7803 0.0000 0.0000 15,875,211,863.9016 0.2000 5.0000 25.0000 5.0000 79,376,058,719.5082

Tablas generadas en Excel Javier Zertuche Garza


i= 22.00% Flujo de efectivo discreto: factores de interés compuesto 22.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.2200 0.8197 1.0000 1.0000 1.2200 0.8197 0.0000 0.0000 0.0000
2 1.4884 0.6719 0.4505 2.2200 0.6705 1.4915 0.6719 0.4505 1.0000
3 1.8158 0.5507 0.2697 3.7084 0.4897 2.0422 1.7733 0.8683 3.2200
4 2.2153 0.4514 0.1810 5.5242 0.4010 2.4936 3.1275 1.2542 6.9284
5 2.7027 0.3700 0.1292 7.7396 0.3492 2.8636 4.6075 1.6090 12.4526
6 3.2973 0.3033 0.0958 10.4423 0.3158 3.1669 6.1239 1.9337 20.1922
7 4.0227 0.2486 0.0728 13.7396 0.2928 3.4155 7.6154 2.2297 30.6345
8 4.9077 0.2038 0.0563 17.7623 0.2763 3.6193 9.0417 2.4982 44.3741
9 5.9874 0.1670 0.0441 22.6700 0.2641 3.7863 10.3779 2.7409 62.1364
10 7.3046 0.1369 0.0349 28.6574 0.2549 3.9232 11.6100 2.9593 84.8064
11 8.9117 0.1122 0.0278 35.9620 0.2478 4.0354 12.7321 3.1551 113.4638
12 10.8722 0.0920 0.0223 44.8737 0.2423 4.1274 13.7438 3.3299 149.4259
13 13.2641 0.0754 0.0179 55.7459 0.2379 4.2028 14.6485 3.4855 194.2996
14 16.1822 0.0618 0.0145 69.0100 0.2345 4.2646 15.4519 3.6233 250.0455
15 19.7423 0.0507 0.0117 85.1922 0.2317 4.3152 16.1610 3.7451 319.0555
16 24.0856 0.0415 0.0095 104.9345 0.2295 4.3567 16.7838 3.8524 404.2477
17 29.3844 0.0340 0.0078 129.0201 0.2278 4.3908 17.3283 3.9465 509.1822
18 35.8490 0.0279 0.0063 158.4045 0.2263 4.4187 17.8025 4.0289 638.2023
19 43.7358 0.0229 0.0051 194.2535 0.2251 4.4415 18.2141 4.1009 796.6068
20 53.3576 0.0187 0.0042 237.9893 0.2242 4.4603 18.5702 4.1635 990.8603
21 65.0963 0.0154 0.0034 291.3469 0.2234 4.4756 18.8774 4.2178 1,228.8496
22 79.4175 0.0126 0.0028 356.4432 0.2228 4.4882 19.1418 4.2649 1,520.1965
23 96.8894 0.0103 0.0023 435.8607 0.2223 4.4985 19.3689 4.3056 1,876.6398
24 118.2050 0.0085 0.0019 532.7501 0.2219 4.5070 19.5635 4.3407 2,312.5005
25 144.2101 0.0069 0.0015 650.9551 0.2215 4.5139 19.7299 4.3709 2,845.2506
26 175.9364 0.0057 0.0013 795.1653 0.2213 4.5196 19.8720 4.3968 3,496.2057
27 214.6424 0.0047 0.0010 971.1016 0.2210 4.5243 19.9931 4.4191 4,291.3710
28 261.8637 0.0038 0.0008 1,185.7440 0.2208 4.5281 20.0962 4.4381 5,262.4726
29 319.4737 0.0031 0.0007 1,447.6077 0.2207 4.5312 20.1839 4.4544 6,448.2166
30 389.7579 0.0026 0.0006 1,767.0813 0.2206 4.5338 20.2583 4.4683 7,895.8243
31 475.5046 0.0021 0.0005 2,156.8392 0.2205 4.5359 20.3214 4.4801 9,662.9056
32 580.1156 0.0017 0.0004 2,632.3439 0.2204 4.5376 20.3748 4.4902 11,819.7448
33 707.7411 0.0014 0.0003 3,212.4595 0.2203 4.5390 20.4200 4.4988 14,452.0887
34 863.4441 0.0012 0.0003 3,920.2006 0.2203 4.5402 20.4582 4.5060 17,664.5482
35 1,053.4018 0.0009 0.0002 4,783.6447 0.2202 4.5411 20.4905 4.5122 21,584.7488
36 1,285.1502 0.0008 0.0002 5,837.0466 0.2202 4.5419 20.5178 4.5174 26,368.3935
37 1,567.8833 0.0006 0.0001 7,122.1968 0.2201 4.5426 20.5407 4.5218 32,205.4401
38 1,912.8176 0.0005 0.0001 8,690.0801 0.2201 4.5431 20.5601 4.5256 39,327.6370
39 2,333.6375 0.0004 0.0001 10,602.8978 0.2201 4.5435 20.5763 4.5287 48,017.7171
40 2,847.0378 0.0004 0.0001 12,936.5353 0.2201 4.5439 20.5900 4.5314 58,620.6148
41 3,473.3861 0.0003 0.0001 15,783.5730 0.2201 4.5441 20.6016 4.5336 71,557.1501
42 4,237.5310 0.0002 0.0001 19,256.9591 0.2201 4.5444 20.6112 4.5355 87,340.7231
43 5,169.7878 0.0002 0.0000 23,494.4901 0.2200 4.5446 20.6194 4.5371 106,597.6822
44 6,307.1411 0.0002 0.0000 28,664.2779 0.2200 4.5447 20.6262 4.5385 130,092.1723
45 7,694.7122 0.0001 0.0000 34,971.4191 0.2200 4.5449 20.6319 4.5396 158,756.4502
46 9,387.5489 0.0001 0.0000 42,666.1312 0.2200 4.5450 20.6367 4.5406 193,727.8693
47 11,452.8096 0.0001 0.0000 52,053.6801 0.2200 4.5451 20.6407 4.5414 236,394.0005
48 13,972.4277 0.0001 0.0000 63,506.4897 0.2200 4.5451 20.6441 4.5420 288,447.6806
49 17,046.3618 0.0001 0.0000 77,478.9175 0.2200 4.5452 20.6469 4.5426 351,954.1704
50 20,796.5615 0.0000 0.0000 94,525.2793 0.2200 4.5452 20.6492 4.5431 429,433.0879
55 56,207.0364 0.0000 0.0000 255,481.9837 0.2200 4.5454 20.6563 4.5445 1,161,031.7439
60 151,911.2161 0.0000 0.0000 690,500.9824 0.2200 4.5454 20.6592 4.5451 3,138,368.1017
65 410,571.6839 0.0000 0.0000 1,866,230.3813 0.2200 4.5454 20.6604 4.5453 8,482,569.9152
70 1,109,655.4416 0.0000 0.0000 5,043,883.8256 0.2200 4.5455 20.6609 4.5454 22,926,426.4801
72 1,651,611.1593 0.0000 0.0000 7,507,318.9061 0.2200 4.5455 20.6609 4.5454 34,123,849.5730
75 2,999,074.8205 0.0000 0.0000 13,632,153.7293 0.2200 4.5455 20.6610 4.5454 61,963,994.2243
80 8,105,623.9993 0.0000 0.0000 36,843,740.9059 0.2200 4.5455 20.6611 4.5454 167,471,185.9357
84 17,956,668.9760 0.0000 0.0000 81,621,218.0727 0.2200 4.5455 20.6611 4.5454 371,005,154.8758
85 21,907,136.1507 0.0000 0.0000 99,577,887.0487 0.2200 4.5455 20.6611 4.5455 452,626,372.9485
90 59,208,595.7068 0.0000 0.0000 269,129,975.9402 0.2200 4.5455 20.6611 4.5455 1,223,317,663.3646
96 195,228,737.0372 0.0000 0.0000 887,403,345.6235 0.2200 4.5455 20.6612 4.5455 4,033,651,134.6524
100 432,496,968.2636 0.0000 0.0000 1,965,895,305.7437 0.2200 4.5455 20.6612 4.5455 8,935,887,298.8349
105 1,168,913,086.6853 0.0000 0.0000 5,313,241,298.5696 0.2200 4.5455 20.6612 4.5455 24,151,096,334.4071
108 2,122,568,490.6313 0.0000 0.0000 9,648,038,589.2334 0.2200 4.5455 20.6612 4.5455 43,854,720,369.2425
114 6,998,753,487.6281 0.0000 0.0000 31,812,515,848.3096 0.2200 4.5455 20.6612 4.5455 144,602,344,246.8620
120 23,077,017,583.5491 0.0000 0.0000 104,895,534,466.1320 0.2200 4.5455 20.6612 4.5455 476,797,883,391.5100

Tablas generadas en Excel Javier Zertuche Garza


i= 24.00% Flujo de efectivo discreto: factores de interés compuesto 24.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.2400 0.8065 1.0000 1.0000 1.2400 0.8065 0.0000 0.0000 0.0000
2 1.5376 0.6504 0.4464 2.2400 0.6864 1.4568 0.6504 0.4464 1.0000
3 1.9066 0.5245 0.2647 3.7776 0.5047 1.9813 1.6993 0.8577 3.2400
4 2.3642 0.4230 0.1759 5.6842 0.4159 2.4043 2.9683 1.2346 7.0176
5 2.9316 0.3411 0.1242 8.0484 0.3642 2.7454 4.3327 1.5782 12.7018
6 3.6352 0.2751 0.0911 10.9801 0.3311 3.0205 5.7081 1.8898 20.7503
7 4.5077 0.2218 0.0684 14.6153 0.3084 3.2423 7.0392 2.1710 31.7303
8 5.5895 0.1789 0.0523 19.1229 0.2923 3.4212 8.2915 2.4236 46.3456
9 6.9310 0.1443 0.0405 24.7125 0.2805 3.5655 9.4458 2.6492 65.4685
10 8.5944 0.1164 0.0316 31.6434 0.2716 3.6819 10.4930 2.8499 90.1810
11 10.6571 0.0938 0.0249 40.2379 0.2649 3.7757 11.4313 3.0276 121.8244
12 13.2148 0.0757 0.0196 50.8950 0.2596 3.8514 12.2637 3.1843 162.0623
13 16.3863 0.0610 0.0156 64.1097 0.2556 3.9124 12.9960 3.3218 212.9573
14 20.3191 0.0492 0.0124 80.4961 0.2524 3.9616 13.6358 3.4420 277.0670
15 25.1956 0.0397 0.0099 100.8151 0.2499 4.0013 14.1915 3.5467 357.5631
16 31.2426 0.0320 0.0079 126.0108 0.2479 4.0333 14.6716 3.6376 458.3782
17 38.7408 0.0258 0.0064 157.2534 0.2464 4.0591 15.0846 3.7162 584.3890
18 48.0386 0.0208 0.0051 195.9942 0.2451 4.0799 15.4385 3.7840 741.6423
19 59.5679 0.0168 0.0041 244.0328 0.2441 4.0967 15.7406 3.8423 937.6365
20 73.8641 0.0135 0.0033 303.6006 0.2433 4.1103 15.9979 3.8922 1,181.6693
21 91.5915 0.0109 0.0026 377.4648 0.2426 4.1212 16.2162 3.9349 1,485.2699
22 113.5735 0.0088 0.0021 469.0563 0.2421 4.1300 16.4011 3.9712 1,862.7347
23 140.8312 0.0071 0.0017 582.6298 0.2417 4.1371 16.5574 4.0022 2,331.7910
24 174.6306 0.0057 0.0014 723.4610 0.2414 4.1428 16.6891 4.0284 2,914.4208
25 216.5420 0.0046 0.0011 898.0916 0.2411 4.1474 16.7999 4.0507 3,637.8818
26 268.5121 0.0037 0.0009 1,114.6336 0.2409 4.1511 16.8930 4.0695 4,535.9735
27 332.9550 0.0030 0.0007 1,383.1457 0.2407 4.1542 16.9711 4.0853 5,650.6071
28 412.8642 0.0024 0.0006 1,716.1007 0.2406 4.1566 17.0365 4.0987 7,033.7528
29 511.9516 0.0020 0.0005 2,128.9648 0.2405 4.1585 17.0912 4.1099 8,749.8535
30 634.8199 0.0016 0.0004 2,640.9164 0.2404 4.1601 17.1369 4.1193 10,878.8183
31 787.1767 0.0013 0.0003 3,275.7363 0.2403 4.1614 17.1750 4.1272 13,519.7347
32 976.0991 0.0010 0.0002 4,062.9130 0.2402 4.1624 17.2067 4.1338 16,795.4710
33 1,210.3629 0.0008 0.0002 5,039.0122 0.2402 4.1632 17.2332 4.1394 20,858.3840
34 1,500.8500 0.0007 0.0002 6,249.3751 0.2402 4.1639 17.2552 4.1440 25,897.3962
35 1,861.0540 0.0005 0.0001 7,750.2251 0.2401 4.1644 17.2734 4.1479 32,146.7713
36 2,307.7070 0.0004 0.0001 9,611.2791 0.2401 4.1649 17.2886 4.1511 39,896.9964
37 2,861.5567 0.0003 0.0001 11,918.9861 0.2401 4.1652 17.3012 4.1537 49,508.2755
38 3,548.3303 0.0003 0.0001 14,780.5428 0.2401 4.1655 17.3116 4.1560 61,427.2616
39 4,399.9295 0.0002 0.0001 18,328.8731 0.2401 4.1657 17.3202 4.1578 76,207.8044
40 5,455.9126 0.0002 0.0000 22,728.8026 0.2400 4.1659 17.3274 4.1593 94,536.6775
41 6,765.3317 0.0001 0.0000 28,184.7152 0.2400 4.1661 17.3333 4.1606 117,265.4801
42 8,389.0113 0.0001 0.0000 34,950.0469 0.2400 4.1662 17.3382 4.1617 145,450.1953
43 10,402.3740 0.0001 0.0000 43,339.0581 0.2400 4.1663 17.3422 4.1625 180,400.2422
44 12,898.9437 0.0001 0.0000 53,741.4321 0.2400 4.1663 17.3456 4.1633 223,739.3003
45 15,994.6902 0.0001 0.0000 66,640.3758 0.2400 4.1664 17.3483 4.1639 277,480.7324
46 19,833.4158 0.0001 0.0000 82,635.0660 0.2400 4.1665 17.3506 4.1643 344,121.1082
47 24,593.4356 0.0000 0.0000 102,468.4818 0.2400 4.1665 17.3524 4.1648 426,756.1741
48 30,495.8602 0.0000 0.0000 127,061.9174 0.2400 4.1665 17.3540 4.1651 529,224.6559
49 37,814.8666 0.0000 0.0000 157,557.7776 0.2400 4.1666 17.3553 4.1654 656,286.5733
50 46,890.4346 0.0000 0.0000 195,372.6442 0.2400 4.1666 17.3563 4.1656 813,844.3509
55 137,465.1733 0.0000 0.0000 572,767.3888 0.2400 4.1666 17.3593 4.1663 2,386,301.6198
60 402,996.3473 0.0000 0.0000 1,679,147.2802 0.2400 4.1667 17.3604 4.1665 6,996,197.0010
65 1,181,434.1917 0.0000 0.0000 4,922,638.2987 0.2400 4.1667 17.3609 4.1666 20,510,722.0778
70 3,463,522.0859 0.0000 0.0000 14,431,337.8580 0.2400 4.1667 17.3610 4.1666 60,130,282.7416
72 5,325,511.5593 0.0000 0.0000 22,189,627.3304 0.2400 4.1667 17.3611 4.1667 92,456,480.5434
75 10,153,748.1512 0.0000 0.0000 42,307,279.7968 0.2400 4.1667 17.3611 4.1667 176,280,019.9868
80 29,766,982.5575 0.0000 0.0000 124,029,089.8228 0.2400 4.1667 17.3611 4.1667 516,787,540.9285
84 70,375,509.7561 0.0000 0.0000 293,231,286.4836 0.2400 4.1667 17.3611 4.1667 1,221,796,677.0151
85 87,265,632.0975 0.0000 0.0000 363,606,796.2397 0.2400 4.1667 17.3611 4.1667 1,515,027,963.4988
90 255,830,114.1433 0.0000 0.0000 1,065,958,804.7637 0.2400 4.1667 17.3611 4.1667 4,441,494,644.8488
96 929997488.1805 0.0000 0.0000 3874989529.9188 0.2400 4.1667 17.3611 4.1667 16145789307.9952
100 2198712858.3218 0.0000 0.0000 9161303572.1743 0.2400 4.1667 17.3611 4.1667 38172097800.7262
105 6445801720.4774 0.0000 0.0000 26857507164.4892 0.2400 4.1667 17.3611 4.1667 111906279414.5380
108 12289720259.5035 0.0000 0.0000 51207167743.7647 0.2400 4.1667 17.3611 4.1667 213363198482.3530
114 44675776384.0805 0.0000 0.0000 186149068262.8350 0.2400 4.1667 17.3611 4.1667 775621117286.8140
120 162406055904.8880 0.0000 0.0000 676691899599.5330 0.2400 4.1667 17.3611 4.1667 2819549581164.7200

Tablas generadas en Excel Javier Zertuche Garza


i= 25.00% Flujo de efectivo discreto: factores de interés compuesto 25.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.2500 0.8000 1.0000 1.0000 1.2500 0.8000 0.0000 0.0000 0.0000
2 1.5625 0.6400 0.4444 2.2500 0.6944 1.4400 0.6400 0.4444 1.0000
3 1.9531 0.5120 0.2623 3.8125 0.5123 1.9520 1.6640 0.8525 3.2500
4 2.4414 0.4096 0.1734 5.7656 0.4234 2.3616 2.8928 1.2249 7.0625
5 3.0518 0.3277 0.1218 8.2070 0.3718 2.6893 4.2035 1.5631 12.8281
6 3.8147 0.2621 0.0888 11.2588 0.3388 2.9514 5.5142 1.8683 21.0352
7 4.7684 0.2097 0.0663 15.0735 0.3163 3.1611 6.7725 2.1424 32.2939
8 5.9605 0.1678 0.0504 19.8419 0.3004 3.3289 7.9469 2.3872 47.3674
9 7.4506 0.1342 0.0388 25.8023 0.2888 3.4631 9.0207 2.6048 67.2093
10 9.3132 0.1074 0.0301 33.2529 0.2801 3.5705 9.9870 2.7971 93.0116
11 11.6415 0.0859 0.0235 42.5661 0.2735 3.6564 10.8460 2.9663 126.2645
12 14.5519 0.0687 0.0184 54.2077 0.2684 3.7251 11.6020 3.1145 168.8306
13 18.1899 0.0550 0.0145 68.7596 0.2645 3.7801 12.2617 3.2437 223.0383
14 22.7374 0.0440 0.0115 86.9495 0.2615 3.8241 12.8334 3.3559 291.7979
15 28.4217 0.0352 0.0091 109.6868 0.2591 3.8593 13.3260 3.4530 378.7474
16 35.5271 0.0281 0.0072 138.1085 0.2572 3.8874 13.7482 3.5366 488.4342
17 44.4089 0.0225 0.0058 173.6357 0.2558 3.9099 14.1085 3.6084 626.5427
18 55.5112 0.0180 0.0046 218.0446 0.2546 3.9279 14.4147 3.6698 800.1784
19 69.3889 0.0144 0.0037 273.5558 0.2537 3.9424 14.6741 3.7222 1,018.2230
20 86.7362 0.0115 0.0029 342.9447 0.2529 3.9539 14.8932 3.7667 1,291.7788
21 108.4202 0.0092 0.0023 429.6809 0.2523 3.9631 15.0777 3.8045 1,634.7235
22 135.5253 0.0074 0.0019 538.1011 0.2519 3.9705 15.2326 3.8365 2,064.4043
23 169.4066 0.0059 0.0015 673.6264 0.2515 3.9764 15.3625 3.8634 2,602.5054
24 211.7582 0.0047 0.0012 843.0329 0.2512 3.9811 15.4711 3.8861 3,276.1318
25 264.6978 0.0038 0.0009 1,054.7912 0.2509 3.9849 15.5618 3.9052 4,119.1647
26 330.8722 0.0030 0.0008 1,319.4890 0.2508 3.9879 15.6373 3.9212 5,173.9559
27 413.5903 0.0024 0.0006 1,650.3612 0.2506 3.9903 15.7002 3.9346 6,493.4449
28 516.9879 0.0019 0.0005 2,063.9515 0.2505 3.9923 15.7524 3.9457 8,143.8061
29 646.2349 0.0015 0.0004 2,580.9394 0.2504 3.9938 15.7957 3.9551 10,207.7577
30 807.7936 0.0012 0.0003 3,227.1743 0.2503 3.9950 15.8316 3.9628 12,788.6971
31 1,009.7420 0.0010 0.0002 4,034.9678 0.2502 3.9960 15.8614 3.9693 16,015.8713
32 1,262.1774 0.0008 0.0002 5,044.7098 0.2502 3.9968 15.8859 3.9746 20,050.8392
33 1,577.7218 0.0006 0.0002 6,306.8872 0.2502 3.9975 15.9062 3.9791 25,095.5490
34 1,972.1523 0.0005 0.0001 7,884.6091 0.2501 3.9980 15.9229 3.9828 31,402.4362
35 2,465.1903 0.0004 0.0001 9,856.7613 0.2501 3.9984 15.9367 3.9858 39,287.0453
36 3,081.4879 0.0003 0.0001 12,321.9516 0.2501 3.9987 15.9481 3.9883 49,143.8066
37 3,851.8599 0.0003 0.0001 15,403.4396 0.2501 3.9990 15.9574 3.9904 61,465.7582
38 4,814.8249 0.0002 0.0001 19,255.2994 0.2501 3.9992 15.9651 3.9921 76,869.1978
39 6,018.5311 0.0002 0.0000 24,070.1243 0.2500 3.9993 15.9714 3.9935 96,124.4972
40 7,523.1638 0.0001 0.0000 30,088.6554 0.2500 3.9995 15.9766 3.9947 120,194.6215
41 9,403.9548 0.0001 0.0000 37,611.8192 0.2500 3.9996 15.9809 3.9956 150,283.2769
42 11,754.9435 0.0001 0.0000 47,015.7740 0.2500 3.9997 15.9843 3.9964 187,895.0961
43 14,693.6794 0.0001 0.0000 58,770.7175 0.2500 3.9997 15.9872 3.9971 234,910.8702
44 18,367.0992 0.0001 0.0000 73,464.3969 0.2500 3.9998 15.9895 3.9976 293,681.5877
45 22,958.8740 0.0000 0.0000 91,831.4962 0.2500 3.9998 15.9915 3.9980 367,145.9846
46 28,698.5925 0.0000 0.0000 114,790.3702 0.2500 3.9999 15.9930 3.9984 458,977.4808
47 35,873.2407 0.0000 0.0000 143,488.9627 0.2500 3.9999 15.9943 3.9987 573,767.8510
48 44,841.5509 0.0000 0.0000 179,362.2034 0.2500 3.9999 15.9954 3.9989 717,256.8137
49 56,051.9386 0.0000 0.0000 224,203.7543 0.2500 3.9999 15.9962 3.9991 896,619.0172
50 70,064.9232 0.0000 0.0000 280,255.6929 0.2500 3.9999 15.9969 3.9993 1,120,822.7715
55 213,821.1768 0.0000 0.0000 855,280.7072 0.2500 4.0000 15.9989 3.9997 3,420,902.8289
60 652,530.4468 0.0000 0.0000 2,610,117.7872 0.2500 4.0000 15.9996 3.9999 10,440,231.1488
65 1,991,364.8889 0.0000 0.0000 7,965,455.5557 0.2500 4.0000 15.9999 4.0000 31,861,562.2226
70 6,077,163.3573 0.0000 0.0000 24,308,649.4291 0.2500 4.0000 16.0000 4.0000 97,234,317.7166
72 9,495,567.7458 0.0000 0.0000 37,982,266.9830 0.2500 4.0000 16.0000 4.0000 151,928,779.9322
75 18,546,030.7534 0.0000 0.0000 74,184,119.0137 0.2500 4.0000 16.0000 4.0000 296,736,176.0550
80 56,597,994.2427 0.0000 0.0000 226,391,972.9707 0.2500 4.0000 16.0000 4.0000 905,567,571.8827
84 138,178,696.8815 0.0000 0.0000 552,714,783.5260 0.2500 4.0000 16.0000 4.0000 2,210,858,798.1042
85 172,723,371.1019 0.0000 0.0000 690,893,480.4076 0.2500 4.0000 16.0000 4.0000 2,763,573,581.6302
90 527,109,897.1615 0.0000 0.0000 2,108,439,584.6461 0.2500 4.0000 16.0000 4.0000 8,433,757,978.5844
96 2010764683.3860 0.0000 0.0000 8043058729.5438 0.2500 4.0000 16.0000 4.0000 32172234534.1752
100 4909093465.2977 0.0000 0.0000 19636373857.1909 0.2500 4.0000 16.0000 4.0000 78545495028.7636
105 14981364335.0150 0.0000 0.0000 59925457336.0602 0.2500 4.0000 16.0000 4.0000 239701828924.2410
108 29260477216.8262 0.0000 0.0000 117041908863.3050 0.2500 4.0000 16.0000 4.0000 468167635021.2200
114 111619862429.9100 0.0000 0.0000 446479449715.6390 0.2500 4.0000 16.0000 4.0000 1785917798406.5600
120 425795984000.8150 0.0000 0.0000 1703183935999.2600 0.2500 4.0000 16.0000 4.0000 6812735743517.0400

Tablas generadas en Excel Javier Zertuche Garza


i= 30.00% Flujo de efectivo discreto: factores de interés compuesto 30.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.3000 0.7692 1.0000 1.0000 1.3000 0.7692 0.0000 0.0000 0.0000
2 1.6900 0.5917 0.4348 2.3000 0.7348 1.3609 0.5917 0.4348 1.0000
3 2.1970 0.4552 0.2506 3.9900 0.5506 1.8161 1.5020 0.8271 3.3000
4 2.8561 0.3501 0.1616 6.1870 0.4616 2.1662 2.5524 1.1783 7.2900
5 3.7129 0.2693 0.1106 9.0431 0.4106 2.4356 3.6297 1.4903 13.4770
6 4.8268 0.2072 0.0784 12.7560 0.3784 2.6427 4.6656 1.7654 22.5201
7 6.2749 0.1594 0.0569 17.5828 0.3569 2.8021 5.6218 2.0063 35.2761
8 8.1573 0.1226 0.0419 23.8577 0.3419 2.9247 6.4800 2.2156 52.8590
9 10.6045 0.0943 0.0312 32.0150 0.3312 3.0190 7.2343 2.3963 76.7167
10 13.7858 0.0725 0.0235 42.6195 0.3235 3.0915 7.8872 2.5512 108.7317
11 17.9216 0.0558 0.0177 56.4053 0.3177 3.1473 8.4452 2.6833 151.3512
12 23.2981 0.0429 0.0135 74.3270 0.3135 3.1903 8.9173 2.7952 207.7565
13 30.2875 0.0330 0.0102 97.6250 0.3102 3.2233 9.3135 2.8895 282.0835
14 39.3738 0.0254 0.0078 127.9125 0.3078 3.2487 9.6437 2.9685 379.7085
15 51.1859 0.0195 0.0060 167.2863 0.3060 3.2682 9.9172 3.0344 507.6210
16 66.5417 0.0150 0.0046 218.4722 0.3046 3.2832 10.1426 3.0892 674.9073
17 86.5042 0.0116 0.0035 285.0139 0.3035 3.2948 10.3276 3.1345 893.3795
18 112.4554 0.0089 0.0027 371.5180 0.3027 3.3037 10.4788 3.1718 1,178.3934
19 146.1920 0.0068 0.0021 483.9734 0.3021 3.3105 10.6019 3.2025 1,549.9114
20 190.0496 0.0053 0.0016 630.1655 0.3016 3.3158 10.7019 3.2275 2,033.8849
21 247.0645 0.0040 0.0012 820.2151 0.3012 3.3198 10.7828 3.2480 2,664.0503
22 321.1839 0.0031 0.0009 1,067.2796 0.3009 3.3230 10.8482 3.2646 3,484.2654
23 417.5391 0.0024 0.0007 1,388.4635 0.3007 3.3254 10.9009 3.2781 4,551.5450
24 542.8008 0.0018 0.0006 1,806.0026 0.3006 3.3272 10.9433 3.2890 5,940.0086
25 705.6410 0.0014 0.0004 2,348.8033 0.3004 3.3286 10.9773 3.2979 7,746.0111
26 917.3333 0.0011 0.0003 3,054.4443 0.3003 3.3297 11.0045 3.3050 10,094.8145
27 1,192.5333 0.0008 0.0003 3,971.7776 0.3003 3.3305 11.0263 3.3107 13,149.2588
28 1,550.2933 0.0006 0.0002 5,164.3109 0.3002 3.3312 11.0437 3.3153 17,121.0364
29 2,015.3813 0.0005 0.0001 6,714.6042 0.3001 3.3317 11.0576 3.3189 22,285.3474
30 2,619.9956 0.0004 0.0001 8,729.9855 0.3001 3.3321 11.0687 3.3219 28,999.9516
31 3,405.9943 0.0003 0.0001 11,349.9811 0.3001 3.3324 11.0775 3.3242 37,729.9371
32 4,427.7926 0.0002 0.0001 14,755.9755 0.3001 3.3326 11.0845 3.3261 49,079.9182
33 5,756.1304 0.0002 0.0001 19,183.7681 0.3001 3.3328 11.0901 3.3276 63,835.8937
34 7,482.9696 0.0001 0.0000 24,939.8985 0.3000 3.3329 11.0945 3.3288 83,019.6618
35 9,727.8604 0.0001 0.0000 32,422.8681 0.3000 3.3330 11.0980 3.3297 107,959.5603
36 12,646.2186 0.0001 0.0000 42,150.7285 0.3000 3.3331 11.1007 3.3305 140,382.4284
37 16,440.0841 0.0001 0.0000 54,796.9471 0.3000 3.3331 11.1029 3.3311 182,533.1569
38 21,372.1094 0.0000 0.0000 71,237.0312 0.3000 3.3332 11.1047 3.3316 237,330.1039
39 27,783.7422 0.0000 0.0000 92,609.1405 0.3000 3.3332 11.1060 3.3319 308,567.1351
40 36,118.8648 0.0000 0.0000 120,392.8827 0.3000 3.3332 11.1071 3.3322 401,176.2756
41 46,954.5243 0.0000 0.0000 156,511.7475 0.3000 3.3333 11.1080 3.3325 521,569.1583
42 61,040.8815 0.0000 0.0000 203,466.2718 0.3000 3.3333 11.1086 3.3326 678,080.9058
43 79,353.1460 0.0000 0.0000 264,507.1533 0.3000 3.3333 11.1092 3.3328 881,547.1776
44 103,159.0898 0.0000 0.0000 343,860.2993 0.3000 3.3333 11.1096 3.3329 1,146,054.3309
45 134,106.8167 0.0000 0.0000 447,019.3890 0.3000 3.3333 11.1099 3.3330 1,489,914.6301
46 174,338.8617 0.0000 0.0000 581,126.2058 0.3000 3.3333 11.1102 3.3331 1,936,934.0192
47 226,640.5202 0.0000 0.0000 755,465.0675 0.3000 3.3333 11.1104 3.3331 2,518,060.2249
48 294,632.6763 0.0000 0.0000 982,105.5877 0.3000 3.3333 11.1105 3.3332 3,273,525.2924
49 383,022.4792 0.0000 0.0000 1,276,738.2640 0.3000 3.3333 11.1107 3.3332 4,255,630.8802
50 497,929.2230 0.0000 0.0000 1,659,760.7433 0.3000 3.3333 11.1108 3.3332 5,532,369.1442
55 1,848,776.3499 0.0000 0.0000 6,162,584.4996 0.3000 3.3333 11.1110 3.3333 20,541,764.9986
60 6,864,377.1727 0.0000 0.0000 22,881,253.9091 0.3000 3.3333 11.1111 3.3333 76,270,646.3638
65 25,486,951.9360 0.0000 0.0000 84,956,503.1200 0.3000 3.3333 11.1111 3.3333 283,188,127.0667
70 94,631,268.4517 0.0000 0.0000 315,437,558.1724 0.3000 3.3333 11.1111 3.3333 1,051,458,293.9081
72 159,926,843.6834 0.0000 0.0000 533,089,475.6114 0.3000 3.3333 11.1111 3.3333 1,776,964,678.7047
75 351,359,275.5725 0.0000 0.0000 1,171,197,581.9083 0.3000 3.3333 11.1111 3.3333 3,903,991,689.6942
80 1,304,572,395.0513 0.0000 0.0000 4,348,574,646.8377 0.3000 3.3333 11.1111 3.3333 14,495,248,556.1258
84 3,725,989,217.5061 0.0000 0.0000 12,419,964,055.0202 0.3000 3.3333 11.1111 3.3333 41,399,879,903.4008
85 4,843,785,982.7579 0.0000 0.0000 16,145,953,272.5263 0.3000 3.3333 11.1111 3.3333 53,819,843,958.4211
90 17,984,638,288.9613 0.0000 0.0000 59,948,794,293.2043 0.3000 3.3333 11.1111 3.3333 199,829,314,010.6810
96 86,808,413,954.9030 0.0000 0.0000 289,361,379,846.3430 0.3000 3.3333 11.1111 3.3333 964,537,932,501.1440
100 247933511097 0.0000 0.0000 826445036985 0.3000 3.3333 11.1111 3.3333 2754816789618
105 920559771356 0.0000 0.0000 3068532571183 0.3000 3.3333 11.1111 3.3333 10228441903593
108 2022469817669 0.0000 0.0000 6741566058893 0.3000 3.3333 11.1111 3.3333 22471886862617
114 9762075518153 0.0000 0.0000 32540251727172 0.3000 3.3333 11.1111 3.3333 108467505756860
120 47119673969699 0.0000 0.0000 157065579898992 0.3000 3.3333 11.1111 3.3333 523551932996240

Tablas generadas en Excel Javier Zertuche Garza


i= 35.00% Flujo de efectivo discreto: factores de interés compuesto 35.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.3500 0.7407 1.0000 1.0000 1.3500 0.7407 0.0000 0.0000 0.0000
2 1.8225 0.5487 0.4255 2.3500 0.7755 1.2894 0.5487 0.4255 1.0000
3 2.4604 0.4064 0.2397 4.1725 0.5897 1.6959 1.3616 0.8029 3.3500
4 3.3215 0.3011 0.1508 6.6329 0.5008 1.9969 2.2648 1.1341 7.5225
5 4.4840 0.2230 0.1005 9.9544 0.4505 2.2200 3.1568 1.4220 14.1554
6 6.0534 0.1652 0.0693 14.4384 0.4193 2.3852 3.9828 1.6698 24.1098
7 8.1722 0.1224 0.0488 20.4919 0.3988 2.5075 4.7170 1.8811 38.5482
8 11.0324 0.0906 0.0349 28.6640 0.3849 2.5982 5.3515 2.0597 59.0400
9 14.8937 0.0671 0.0252 39.6964 0.3752 2.6653 5.8886 2.2094 87.7040
10 20.1066 0.0497 0.0183 54.5902 0.3683 2.7150 6.3363 2.3338 127.4005
11 27.1439 0.0368 0.0134 74.6967 0.3634 2.7519 6.7047 2.4364 181.9906
12 36.6442 0.0273 0.0098 101.8406 0.3598 2.7792 7.0049 2.5205 256.6873
13 49.4697 0.0202 0.0072 138.4848 0.3572 2.7994 7.2474 2.5889 358.5279
14 66.7841 0.0150 0.0053 187.9544 0.3553 2.8144 7.4421 2.6443 497.0127
15 90.1585 0.0111 0.0039 254.7385 0.3539 2.8255 7.5974 2.6889 684.9671
16 121.7139 0.0082 0.0029 344.8970 0.3529 2.8337 7.7206 2.7246 939.7056
17 164.3138 0.0061 0.0021 466.6109 0.3521 2.8398 7.8180 2.7530 1,284.6025
18 221.8236 0.0045 0.0016 630.9247 0.3516 2.8443 7.8946 2.7756 1,751.2134
19 299.4619 0.0033 0.0012 852.7483 0.3512 2.8476 7.9547 2.7935 2,382.1381
20 404.2736 0.0025 0.0009 1,152.2103 0.3509 2.8501 8.0017 2.8075 3,234.8864
21 545.7693 0.0018 0.0006 1,556.4838 0.3506 2.8519 8.0384 2.8186 4,387.0967
22 736.7886 0.0014 0.0005 2,102.2532 0.3505 2.8533 8.0669 2.8272 5,943.5805
23 994.6646 0.0010 0.0004 2,839.0418 0.3504 2.8543 8.0890 2.8340 8,045.8337
24 1,342.7973 0.0007 0.0003 3,833.7064 0.3503 2.8550 8.1061 2.8393 10,884.8755
25 1,812.7763 0.0006 0.0002 5,176.5037 0.3502 2.8556 8.1194 2.8433 14,718.5820
26 2,447.2480 0.0004 0.0001 6,989.2800 0.3501 2.8560 8.1296 2.8465 19,895.0857
27 3,303.7848 0.0003 0.0001 9,436.5280 0.3501 2.8563 8.1374 2.8490 26,884.3656
28 4,460.1095 0.0002 0.0001 12,740.3128 0.3501 2.8565 8.1435 2.8509 36,320.8936
29 6,021.1478 0.0002 0.0001 17,200.4222 0.3501 2.8567 8.1481 2.8523 49,061.2064
30 8,128.5495 0.0001 0.0000 23,221.5700 0.3500 2.8568 8.1517 2.8535 66,261.6286
31 10,973.5418 0.0001 0.0000 31,350.1195 0.3500 2.8569 8.1545 2.8543 89,483.1986
32 14,814.2815 0.0001 0.0000 42,323.6613 0.3500 2.8569 8.1565 2.8550 120,833.3181
33 19,999.2800 0.0001 0.0000 57,137.9428 0.3500 2.8570 8.1581 2.8555 163,156.9794
34 26,999.0280 0.0000 0.0000 77,137.2228 0.3500 2.8570 8.1594 2.8559 220,294.9222
35 36,448.6878 0.0000 0.0000 104,136.2508 0.3500 2.8571 8.1603 2.8562 297,432.1450
36 49,205.7285 0.0000 0.0000 140,584.9385 0.3500 2.8571 8.1610 2.8564 401,568.3958
37 66,427.7334 0.0000 0.0000 189,790.6670 0.3500 2.8571 8.1616 2.8566 542,153.3343
38 89,677.4402 0.0000 0.0000 256,218.4004 0.3500 2.8571 8.1620 2.8567 731,944.0013
39 121,064.5442 0.0000 0.0000 345,895.8406 0.3500 2.8571 8.1623 2.8568 988,162.4017
40 163,437.1347 0.0000 0.0000 466,960.3848 0.3500 2.8571 8.1625 2.8569 1,334,058.2423
41 220,640.1318 0.0000 0.0000 630,397.5195 0.3500 2.8571 8.1627 2.8570 1,801,018.6271
42 297,864.1780 0.0000 0.0000 851,037.6513 0.3500 2.8571 8.1628 2.8570 2,431,416.1466
43 402,116.6402 0.0000 0.0000 1,148,901.8293 0.3500 2.8571 8.1629 2.8570 3,282,453.7979
44 542,857.4643 0.0000 0.0000 1,551,018.4695 0.3500 2.8571 8.1630 2.8571 4,431,355.6271
45 732,857.5768 0.0000 0.0000 2,093,875.9338 0.3500 2.8571 8.1631 2.8571 5,982,374.0966
46 989,357.7287 0.0000 0.0000 2,826,733.5107 0.3500 2.8571 8.1631 2.8571 8,076,250.0304
47 1,335,632.9338 0.0000 0.0000 3,816,091.2394 0.3500 2.8571 8.1632 2.8571 10,902,983.5411
48 1,803,104.4606 0.0000 0.0000 5,151,724.1732 0.3500 2.8571 8.1632 2.8571 14,719,074.7805
49 2,434,191.0218 0.0000 0.0000 6,954,828.6338 0.3500 2.8571 8.1632 2.8571 19,870,798.9536
50 3,286,157.8795 0.0000 0.0000 9,389,019.6556 0.3500 2.8571 8.1632 2.8571 26,825,627.5874
55 14,735,241.8124 0.0000 0.0000 42,100,688.0354 0.3500 2.8571 8.1633 2.8571 120,287,522.9583
60 66,073,316.9964 0.0000 0.0000 188,780,902.8469 0.3500 2.8571 8.1633 2.8571 539,373,836.7054
65 296,274,962.7384 0.0000 0.0000 846,499,890.6813 0.3500 2.8571 8.1633 2.8571 2,418,570,930.5179
70 1,328,506,839.6132 0.0000 0.0000 3,795,733,824.6093 0.3500 2.8571 8.1633 2.8571 10,844,953,584.5979
72 2,421,203,715.1951 0.0000 0.0000 6,917,724,897.7004 0.3500 2.8571 8.1633 2.8571 19,764,928,073.4296
75 5,957,069,090.7732 0.0000 0.0000 17,020,197,399.3520 0.3500 2.8571 8.1633 2.8571 48,629,135,212.4344
80 26,711,696,992.5248 0.0000 0.0000 76,319,134,261.4995 0.3500 2.8571 8.1633 2.8571 218,054,669,089.9990
84 88,723,068,508.7775 0.0000 0.0000 253,494,481,450.7930 0.3500 2.8571 8.1633 2.8571 724,269,946,762.2650
85 119776142487 0.0000 0.0000 342217549960 0.3500 2.8571 8.1633 2.8571 977764428213
90 537080227926 0.0000 0.0000 1534514936928 0.3500 2.8571 8.1633 2.8571 4384328390966
96 3251185695863 0.0000 0.0000 9289101988178 0.3500 2.8571 8.1633 2.8571 26540291394519
100 10798833608720 0.0000 0.0000 30853810310626 0.3500 2.8571 8.1633 2.8571 88153743744361
105 48422330987500 0.0000 0.0000 138349517107140 0.3500 2.8571 8.1633 2.8571 395284334591530
108 119137092603371 0.0000 0.0000 340391693152485 0.3500 2.8571 8.1633 2.8571 972547694721077
114 721189854288065 0.0000 0.0000 2060542440823040 0.3500 2.8571 8.1633 2.8571 5887264116636930
120 4365683218908140 0.0000 0.0000 12473380625451800 0.3500 2.8571 8.1633 2.8571 35638230358433500

Tablas generadas en Excel Javier Zertuche Garza


i= 40.00% Flujo de efectivo discreto: factores de interés compuesto 40.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.4000 0.7143 1.0000 1.0000 1.4000 0.7143 0.0000 0.0000 0.0000
2 1.9600 0.5102 0.4167 2.4000 0.8167 1.2245 0.5102 0.4167 1.0000
3 2.7440 0.3644 0.2294 4.3600 0.6294 1.5889 1.2391 0.7798 3.4000
4 3.8416 0.2603 0.1408 7.1040 0.5408 1.8492 2.0200 1.0923 7.7600
5 5.3782 0.1859 0.0914 10.9456 0.4914 2.0352 2.7637 1.3580 14.8640
6 7.5295 0.1328 0.0613 16.3238 0.4613 2.1680 3.4278 1.5811 25.8096
7 10.5414 0.0949 0.0419 23.8534 0.4419 2.2628 3.9970 1.7664 42.1334
8 14.7579 0.0678 0.0291 34.3947 0.4291 2.3306 4.4713 1.9185 65.9868
9 20.6610 0.0484 0.0203 49.1526 0.4203 2.3790 4.8585 2.0422 100.3815
10 28.9255 0.0346 0.0143 69.8137 0.4143 2.4136 5.1696 2.1419 149.5342
11 40.4957 0.0247 0.0101 98.7391 0.4101 2.4383 5.4166 2.2215 219.3478
12 56.6939 0.0176 0.0072 139.2348 0.4072 2.4559 5.6106 2.2845 318.0870
13 79.3715 0.0126 0.0051 195.9287 0.4051 2.4685 5.7618 2.3341 457.3217
14 111.1201 0.0090 0.0036 275.3002 0.4036 2.4775 5.8788 2.3729 653.2504
15 155.5681 0.0064 0.0026 386.4202 0.4026 2.4839 5.9688 2.4030 928.5506
16 217.7953 0.0046 0.0018 541.9883 0.4018 2.4885 6.0376 2.4262 1,314.9708
17 304.9135 0.0033 0.0013 759.7837 0.4013 2.4918 6.0901 2.4441 1,856.9592
18 426.8789 0.0023 0.0009 1,064.6971 0.4009 2.4941 6.1299 2.4577 2,616.7428
19 597.6304 0.0017 0.0007 1,491.5760 0.4007 2.4958 6.1601 2.4682 3,681.4400
20 836.6826 0.0012 0.0005 2,089.2064 0.4005 2.4970 6.1828 2.4761 5,173.0160
21 1,171.3556 0.0009 0.0003 2,925.8889 0.4003 2.4979 6.1998 2.4821 7,262.2223
22 1,639.8978 0.0006 0.0002 4,097.2445 0.4002 2.4985 6.2127 2.4866 10,188.1113
23 2,295.8569 0.0004 0.0002 5,737.1423 0.4002 2.4989 6.2222 2.4900 14,285.3558
24 3,214.1997 0.0003 0.0001 8,032.9993 0.4001 2.4992 6.2294 2.4925 20,022.4981
25 4,499.8796 0.0002 0.0001 11,247.1990 0.4001 2.4994 6.2347 2.4944 28,055.4974
26 6,299.8314 0.0002 0.0001 15,747.0785 0.4001 2.4996 6.2387 2.4959 39,302.6963
27 8,819.7640 0.0001 0.0000 22,046.9099 0.4000 2.4997 6.2416 2.4969 55,049.7749
28 12,347.6696 0.0001 0.0000 30,866.6739 0.4000 2.4998 6.2438 2.4977 77,096.6848
29 17,286.7374 0.0001 0.0000 43,214.3435 0.4000 2.4999 6.2454 2.4983 107,963.3587
30 24,201.4324 0.0000 0.0000 60,501.0809 0.4000 2.4999 6.2466 2.4988 151,177.7022
31 33,882.0053 0.0000 0.0000 84,702.5132 0.4000 2.4999 6.2475 2.4991 211,678.7831
32 47,434.8074 0.0000 0.0000 118,584.5185 0.4000 2.4999 6.2482 2.4993 296,381.2964
33 66,408.7304 0.0000 0.0000 166,019.3260 0.4000 2.5000 6.2487 2.4995 414,965.8149
34 92,972.2225 0.0000 0.0000 232,428.0563 0.4000 2.5000 6.2490 2.4996 580,985.1409
35 130,161.1116 0.0000 0.0000 325,400.2789 0.4000 2.5000 6.2493 2.4997 813,413.1972
36 182,225.5562 0.0000 0.0000 455,561.3904 0.4000 2.5000 6.2495 2.4998 1,138,813.4761
37 255,115.7786 0.0000 0.0000 637,786.9466 0.4000 2.5000 6.2496 2.4999 1,594,374.8665
38 357,162.0901 0.0000 0.0000 892,902.7252 0.4000 2.5000 6.2497 2.4999 2,232,161.8131
39 500,026.9261 0.0000 0.0000 1,250,064.8153 0.4000 2.5000 6.2498 2.4999 3,125,064.5384
40 700,037.6966 0.0000 0.0000 1,750,091.7415 0.4000 2.5000 6.2498 2.4999 4,375,129.3537
41 980,052.7752 0.0000 0.0000 2,450,129.4381 0.4000 2.5000 6.2499 2.5000 6,125,221.0952
42 1,372,073.8853 0.0000 0.0000 3,430,182.2133 0.4000 2.5000 6.2499 2.5000 8,575,350.5332
43 1,920,903.4394 0.0000 0.0000 4,802,256.0986 0.4000 2.5000 6.2499 2.5000 12,005,532.7465
44 2,689,264.8152 0.0000 0.0000 6,723,159.5381 0.4000 2.5000 6.2500 2.5000 16,807,788.8452
45 3,764,970.7413 0.0000 0.0000 9,412,424.3533 0.4000 2.5000 6.2500 2.5000 23,530,948.3832
46 5,270,959.0378 0.0000 0.0000 13,177,395.0946 0.4000 2.5000 6.2500 2.5000 32,943,372.7365
47 7,379,342.6530 0.0000 0.0000 18,448,354.1324 0.4000 2.5000 6.2500 2.5000 46,120,767.8311
48 10,331,079.7142 0.0000 0.0000 25,827,696.7854 0.4000 2.5000 6.2500 2.5000 64,569,121.9635
49 14,463,511.5998 0.0000 0.0000 36,158,776.4996 0.4000 2.5000 6.2500 2.5000 90,396,818.7489
50 20,248,916.2398 0.0000 0.0000 50,622,288.0994 0.4000 2.5000 6.2500 2.5000 126,555,595.2485
55 108,903,531.2774 0.0000 0.0000 272,258,825.6934 0.4000 2.5000 6.2500 2.5000 680,646,926.7334
60 585,709,328.0571 0.0000 0.0000 1,464,273,317.6427 0.4000 2.5000 6.2500 2.5000 3,660,683,144.1068
65 3,150,085,336.5298 0.0000 0.0000 7,875,213,338.8245 0.4000 2.5000 6.2500 2.5000 19,688,033,184.5611
70 16,941,914,960.3379 0.0000 0.0000 42,354,787,398.3449 0.4000 2.5000 6.2500 2.5000 105,886,968,320.8620
72 33,206,153,322.2624 0.0000 0.0000 83,015,383,303.1559 0.4000 2.5000 6.2500 2.5000 207,538,458,077.8900
75 91,117,684,716.2879 0.0000 0.0000 227,794,211,788.2200 0.4000 2.5000 6.2500 2.5000 569,485,529,283.0490
80 490052776649 0.0000 0.0000 1225131941619 0.4000 2.5000 6.2500 2.5000 3062829853847
84 1882586746773 0.0000 0.0000 4706466866930 0.4000 2.5000 6.2500 2.5000 11766167167115
85 2635621445482 0.0000 0.0000 6589053613703 0.4000 2.5000 6.2500 2.5000 16472634034045
90 14175004682950 0.0000 0.0000 35437511707373 0.4000 2.5000 6.2500 2.5000 88593779268207
96 106731208060441 0.0000 0.0000 266828020151100 0.4000 2.5000 6.2500 2.5000 667070050377510
100 410018608884990 0.0000 0.0000 1025046522212470 0.4000 2.5000 6.2500 2.5000 2562616305530930
105 2205178483049610 0.0000 0.0000 5512946207624020 0.4000 2.5000 6.2500 2.5000 13782365519059800
108 6051009757488130 0.0000 0.0000 15127524393720300 0.4000 2.5000 6.2500 2.5000 37818810984300500
114 45561295805358100 0.0000 0.0000 113903239513395000 0.4000 2.5000 6.2500 2.5000 284758098783488000
120 343055416973093000 0.0000 0.0000 857638542432732000 0.4000 2.5000 6.2500 2.5000 2144096356081830000

Tablas generadas en Excel Javier Zertuche Garza


i= 50.00% Flujo de efectivo discreto: factores de interés compuesto 50.00%
Pagos únicos Pagos de serie uniforme Gradiente uniforme
Fondo de Recuperación Gradiente de Gradiente de Gradiente de valor
Cantidad compuesta Valor presente Cantidad compuesta Valor presente
n F/P P/F
amortización
F/A
de capital
P/A
valor presente serie anual futuro
A/F A/P P/G A/G F/G
1 1.5000 0.6667 1.0000 1.0000 1.5000 0.6667 0.0000 0.0000 0.0000
2 2.2500 0.4444 0.4000 2.5000 0.9000 1.1111 0.4444 0.4000 1.0000
3 3.3750 0.2963 0.2105 4.7500 0.7105 1.4074 1.0370 0.7368 3.5000
4 5.0625 0.1975 0.1231 8.1250 0.6231 1.6049 1.6296 1.0154 8.2500
5 7.5938 0.1317 0.0758 13.1875 0.5758 1.7366 2.1564 1.2417 16.3750
6 11.3906 0.0878 0.0481 20.7813 0.5481 1.8244 2.5953 1.4226 29.5625
7 17.0859 0.0585 0.0311 32.1719 0.5311 1.8829 2.9465 1.5648 50.3438
8 25.6289 0.0390 0.0203 49.2578 0.5203 1.9220 3.2196 1.6752 82.5156
9 38.4434 0.0260 0.0134 74.8867 0.5134 1.9480 3.4277 1.7596 131.7734
10 57.6650 0.0173 0.0088 113.3301 0.5088 1.9653 3.5838 1.8235 206.6602
11 86.4976 0.0116 0.0058 170.9951 0.5058 1.9769 3.6994 1.8713 319.9902
12 129.7463 0.0077 0.0039 257.4927 0.5039 1.9846 3.7842 1.9068 490.9854
13 194.6195 0.0051 0.0026 387.2390 0.5026 1.9897 3.8459 1.9329 748.4780
14 291.9293 0.0034 0.0017 581.8585 0.5017 1.9931 3.8904 1.9519 1,135.7170
15 437.8939 0.0023 0.0011 873.7878 0.5011 1.9954 3.9224 1.9657 1,717.5756
16 656.8408 0.0015 0.0008 1,311.6817 0.5008 1.9970 3.9452 1.9756 2,591.3633
17 985.2613 0.0010 0.0005 1,968.5225 0.5005 1.9980 3.9614 1.9827 3,903.0450
18 1,477.8919 0.0007 0.0003 2,953.7838 0.5003 1.9986 3.9729 1.9878 5,871.5675
19 2,216.8378 0.0005 0.0002 4,431.6756 0.5002 1.9991 3.9811 1.9914 8,825.3513
20 3,325.2567 0.0003 0.0002 6,648.5135 0.5002 1.9994 3.9868 1.9940 13,257.0269
21 4,987.8851 0.0002 0.0001 9,973.7702 0.5001 1.9996 3.9908 1.9958 19,905.5404
22 7,481.8276 0.0001 0.0001 14,961.6553 0.5001 1.9997 3.9936 1.9971 29,879.3106
23 11,222.7415 0.0001 0.0000 22,443.4829 0.5000 1.9998 3.9955 1.9980 44,840.9659
24 16,834.1122 0.0001 0.0000 33,666.2244 0.5000 1.9999 3.9969 1.9986 67,284.4488
25 25,251.1683 0.0000 0.0000 50,500.3366 0.5000 1.9999 3.9979 1.9990 100,950.6732
26 37,876.7524 0.0000 0.0000 75,751.5049 0.5000 1.9999 3.9985 1.9993 151,451.0098
27 56,815.1287 0.0000 0.0000 113,628.2573 0.5000 2.0000 3.9990 1.9995 227,202.5146
28 85,222.6930 0.0000 0.0000 170,443.3860 0.5000 2.0000 3.9993 1.9997 340,830.7720
29 127,834.0395 0.0000 0.0000 255,666.0790 0.5000 2.0000 3.9995 1.9998 511,274.1580
30 191,751.0592 0.0000 0.0000 383,500.1185 0.5000 2.0000 3.9997 1.9998 766,940.2369
31 287,626.5888 0.0000 0.0000 575,251.1777 0.5000 2.0000 3.9998 1.9999 1,150,440.3554
32 431,439.8833 0.0000 0.0000 862,877.7665 0.5000 2.0000 3.9998 1.9999 1,725,691.5331
33 647,159.8249 0.0000 0.0000 1,294,317.6498 0.5000 2.0000 3.9999 1.9999 2,588,569.2996
34 970,739.7374 0.0000 0.0000 1,941,477.4747 0.5000 2.0000 3.9999 2.0000 3,882,886.9495
35 1,456,109.6060 0.0000 0.0000 2,912,217.2121 0.5000 2.0000 3.9999 2.0000 5,824,364.4242
36 2,184,164.4091 0.0000 0.0000 4,368,326.8181 0.5000 2.0000 4.0000 2.0000 8,736,581.6363
37 3,276,246.6136 0.0000 0.0000 6,552,491.2272 0.5000 2.0000 4.0000 2.0000 13,104,908.4544
38 4,914,369.9204 0.0000 0.0000 9,828,737.8408 0.5000 2.0000 4.0000 2.0000 19,657,399.6817
39 7,371,554.8806 0.0000 0.0000 14,743,107.7613 0.5000 2.0000 4.0000 2.0000 29,486,137.5225
40 11,057,332.3209 0.0000 0.0000 22,114,662.6419 0.5000 2.0000 4.0000 2.0000 44,229,245.2838
41 16,585,998.4814 0.0000 0.0000 33,171,994.9628 0.5000 2.0000 4.0000 2.0000 66,343,907.9256
42 24,878,997.7221 0.0000 0.0000 49,757,993.4442 0.5000 2.0000 4.0000 2.0000 99,515,902.8885
43 37,318,496.5832 0.0000 0.0000 74,636,991.1663 0.5000 2.0000 4.0000 2.0000 149,273,896.3327
44 55,977,744.8748 0.0000 0.0000 111,955,487.7495 0.5000 2.0000 4.0000 2.0000 223,910,887.4990
45 83,966,617.3121 0.0000 0.0000 167,933,232.6243 0.5000 2.0000 4.0000 2.0000 335,866,375.2486
46 125,949,925.9682 0.0000 0.0000 251,899,849.9364 0.5000 2.0000 4.0000 2.0000 503,799,607.8728
47 188,924,888.9523 0.0000 0.0000 377,849,775.9046 0.5000 2.0000 4.0000 2.0000 755,699,457.8092
48 283,387,333.4285 0.0000 0.0000 566,774,664.8569 0.5000 2.0000 4.0000 2.0000 1,133,549,233.7139
49 425,081,000.1427 0.0000 0.0000 850,161,998.2854 0.5000 2.0000 4.0000 2.0000 1,700,323,898.5708
50 637,621,500.2141 0.0000 0.0000 1,275,242,998.4281 0.5000 2.0000 4.0000 2.0000 2,550,485,896.8562
55 4,841,938,267.2504 0.0000 0.0000 9,683,876,532.5009 0.5000 2.0000 4.0000 2.0000 19,367,752,955.0018
60 36,768,468,716.9330 0.0000 0.0000 73,536,937,431.8660 0.5000 2.0000 4.0000 2.0000 147,073,874,743.7320
65 279210559319 0.0000 0.0000 558,421,118,636.4200 0.5000 2.0000 4.0000 2.0000 1,116,842,237,142.8400
70 2120255184830 0.0000 0.0000 4240510369659 0.5000 2.0000 4.0000 2.0000 8481020739177
72 4770574165868 0.0000 0.0000 9541148331734 0.5000 2.0000 4.0000 2.0000 19082296663324
75 16100687809805 0.0000 0.0000 32201375619607 0.5000 2.0000 4.0000 2.0000 64402751239065
80 122264598055705 0.0000 0.0000 244529196111407 0.5000 2.0000 4.0000 2.0000 489058392222655
84 618964527657005 0.0000 0.0000 1237929055314010 0.5000 2.0000 4.0000 2.0000 2475858110627850
85 928446791485507 0.0000 0.0000 1856893582971010 0.5000 2.0000 4.0000 2.0000 3713787165941850
90 7050392822843070 0.0000 0.0000 14100785645686100 0.5000 2.0000 4.0000 2.0000 28201571291372100
96 80308380747696800 0.0000 0.0000 160616761495394000 0.5000 2.0000 4.0000 2.0000 321233522990787000
100 406561177535215000 0.0000 0.0000 813122355070431000 0.5000 2.0000 4.0000 2.0000 1626244710140860000
105 3087323941908040000 0.0000 0.0000 6174647883816080000 0.5000 2.0000 4.0000 2.0000 12349295767632200000
108 10419718303939600000 0.0000 0.0000 20839436607879300000 0.5000 2.0000 4.0000 2.0000 41678873215758500000
114 #################### 0.0000 0.0000 #################### 0.5000 2.0000 4.0000 2.0000 ####################
120 #################### 0.0000 0.0000 #################### 0.5000 2.0000 4.0000 2.0000 ####################

Tablas generadas en Excel Javier Zertuche Garza

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