Valor Futuro monto Unico VFn = VP x (1 + i)n

Valor Presente Monto Único VP = VFn x(1+i)-^n

Valor Futuro de anualidades Ordinaria VFn= FE x {((1+i)^ n-1))/i}

Valor Futuro de anualidades Anticipada VFn= FE x {((1+i)^ -1))/i} x (1+i)

Valor Presente de anualidades Ordinaria VP= FE/i x (1-(1x(1+i)-^)

Valor Presente de anualidades Anticipada VP= FE/i x (1-(1x(1+i)-^) x (1+i)

Capitalización con Frecuencia menor a un año VFn= VP x (1+i/m)^m*n

Tasa Efectiva TEA= ((1+i/m)^m)-1

Amortización de Prestamos Cuota Nivelada (VP* i) /(1-1*(1+i)-^n)

Crecimiento de tasas de interes i=((VF/VN)^1/n)-1

Anualidades FE= VFn/((((1+i)^n)-1)/i)

 Ejercicio 1
Valor Presente 1000000
Tasa Interes 5% 1. Ricardo Medina deposita L1,000,000 en
Plazo 5 compuesto anualmente, Cuanto tendrá al te
VF L1,276,281.56
Formula L 1,276,281.56

Ejercicio 2
Valor Futuro L 1,500,000.00
Tasa Interes 10%
Plazo 10 2. Emilio Gonzales espera tener dentro de
en un certificado de depósito, si el rendimien
VA L578,314.93 anualmente.
Formula L 578,314.93

Ejercicio 3
Anualidad Ordinaria L 1,000.00
Tasa Interes 5.00% 3. Gerardo Zúniga está tratando de decidir
$1,000 durante 5 años; la anualidad A es una
Plazo 5 anticipada. La tasade rendicimiento de la anu
VF L5,525.63
Formula L 5,525.63

Anualidad Anticipada L 1,000.00

Tasa Interes 5.00%
Plazo 5
VF L5,801.91
Formula L 5,801.91

Ejercicio 4
Anualidad Ordinaria L 5,000.00
4. Camilo Martinez, desea determinar el m
Tasa Interes 6.00% ordinaria determinada. La anualidad consiste
Plazo 5 cinco años, si espera que la anualidad le brin
VA L21,061.82
Formula L 21,061.82

Ejercicio 5
Valor Presente L 200,000.00
Tasa Interes 8.00%
5. Fredy Gonzales encontró una institución
Plazo 8 trimestralmente. Si mantiene su dinero en e
VF L234,331.88 invertir es L200,000.00 cuanto recibirá Fredy
Formula L 234,331.88

Ejercicio 6
Valor Presente L 500,000.00
Tasa Interes Nominal opción A 6.00%
6. Rodrigo Gutierrez tiene dos opciones pa
capitalizable mensualmente y la opción B le
semestralmente. Rodrigo quiere saber cual o
 6. Rodrigo Gutierrez tiene dos opciones pa
Tasa Interes Nominal opción B 6.05% capitalizable mensualmente y la opción B le
Frecuencia de capitalización Opción A 12 semestralmente. Rodrigo quiere saber cual o
Frecuencia de capitalización Opción B 2
Tasa Efectiva Opción A 6.17%
Tasa Efectiva Opción B 6.14%

Ejercicio 7
Valor Presente L 450,000.00
Tasa Interes Nominal 12.00%
7. De cuanto sería la cuota de un préstamo
Frecuencia de Pago 12 a un plazo de 60 meses.
Plazo 60
Cuota Excel L10,010.00
Cuota Formula L10,010.00

Ejercicio 8
Valor Futuro L 30,000.00
Tasa Interes Nominal 6.00% 8. Suponga que usted desea comprar una
requerirá un pago inicial de $30,000. Para re
Frecuencia de Pago 1 fin de año en una cuenta que paga un interé
Plazo 5
Cuota Excel L5,321.89
Cuota Formula L5,321.89
edina deposita L1,000,000 en una cuenta de ahorros que paga el 5.0% de interés
ualmente, Cuanto tendrá al terminó de 5 años.

nzales espera tener dentro de 10 años un monto de L1,500,000.00 cuanto deberá invertir
do de depósito, si el rendimiento es de una tasa de interés de 10.0% anual compuesto

úniga está tratando de decidir cuál de dos anualidades recibir. Ambas son anualidades de
e 5 años; la anualidad A es una anualidad ordinaria y la anualidad B es una anualidad
tasade rendicimiento de la anualidad es de 5%.

artinez, desea determinar el monto máximo que debería pagar para obtener una anualidad
rminada. La anualidad consiste en flujos de efectivo de L5,000 al final de cada año durante
spera que la anualidad le brinde un rendimiento mínimo del 6.0%.

zales encontró una institución que le pagará el 8% de interés capitalizable

te. Si mantiene su dinero en esta cuenta durante 24 meses (es decir, 2 años), Si el monto a
0,000.00 cuanto recibirá Fredy al finalizar los dos años.

(VP* i) /(1-1*(1+i)-^n)

utierrez tiene dos opciones para invertir L500,000, la opción A le ofrece un 6.0%
ensualmente y la opción B le ofrece una tasa de interés del 6.05% capitalizable
te. Rodrigo quiere saber cual opción es la mejor.
utierrez tiene dos opciones para invertir L500,000, la opción A le ofrece un 6.0%
ensualmente y la opción B le ofrece una tasa de interés del 6.05% capitalizable
te. Rodrigo quiere saber cual opción es la mejor.

100

sería la cuota de un préstamo por un monto de 450,000.00 si el interés anual es del 12.0%
60 meses.

que usted desea comprar una casa dentro de 5 años y calcula que para entonces se
ago inicial de $30,000. Para reunir los $30,000, desea realizar depósitos anuales iguales a
na cuenta que paga un interés anual del 6%.
 Monto L 450,000.00
Tasa Interes 12%
Plazo 60
Forma de pago 12
Cuota Nivelada L10,010.00

No. Cuota Cuota Capital Cuota Intereses Saldo Capital

0 L 450,000.00
1 L10,010.00 L5,510.00 L4,500.00 L444,490.00
2 L10,010.00 L5,565.10 L4,444.90 L438,924.90
3 L10,010.00 L5,620.75 L4,389.25 L433,304.14
4 L10,010.00 L5,676.96 L4,333.04 L427,627.18
5 L10,010.00 L5,733.73 L4,276.27 L421,893.45
6 L10,010.00 L5,791.07 L4,218.93 L416,102.39
7 L10,010.00 L5,848.98 L4,161.02 L410,253.41
8 L10,010.00 L5,907.47 L4,102.53 L404,345.94
9 L10,010.00 L5,966.54 L4,043.46 L398,379.40
10 L10,010.00 L6,026.21 L3,983.79 L392,353.19
11 L10,010.00 L6,086.47 L3,923.53 L386,266.72
12 L10,010.00 L6,147.33 L3,862.67 L380,119.39
13 L10,010.00 L6,208.81 L3,801.19 L373,910.58
14 L10,010.00 L6,270.90 L3,739.11 L367,639.69
15 L10,010.00 L6,333.60 L3,676.40 L361,306.08
16 L10,010.00 L6,396.94 L3,613.06 L354,909.14
17 L10,010.00 L6,460.91 L3,549.09 L348,448.23
18 L10,010.00 L6,525.52 L3,484.48 L341,922.71
19 L10,010.00 L6,590.77 L3,419.23 L335,331.94
20 L10,010.00 L6,656.68 L3,353.32 L328,675.26
21 L10,010.00 L6,723.25 L3,286.75 L321,952.01
22 L10,010.00 L6,790.48 L3,219.52 L315,161.53
23 L10,010.00 L6,858.39 L3,151.62 L308,303.14
24 L10,010.00 L6,926.97 L3,083.03 L301,376.17
25 L10,010.00 L6,996.24 L3,013.76 L294,379.93
26 L10,010.00 L7,066.20 L2,943.80 L287,313.73
27 L10,010.00 L7,136.86 L2,873.14 L280,176.86
28 L10,010.00 L7,208.23 L2,801.77 L272,968.63
29 L10,010.00 L7,280.32 L2,729.69 L265,688.32
30 L10,010.00 L7,353.12 L2,656.88 L258,335.20
31 L10,010.00 L7,426.65 L2,583.35 L250,908.55
32 L10,010.00 L7,500.92 L2,509.09 L243,407.63
33 L10,010.00 L7,575.93 L2,434.08 L235,831.71
34 L10,010.00 L7,651.68 L2,358.32 L228,180.02
35 L10,010.00 L7,728.20 L2,281.80 L220,451.82
36 L10,010.00 L7,805.48 L2,204.52 L212,646.34
37 L10,010.00 L7,883.54 L2,126.46 L204,762.80
38 L10,010.00 L7,962.37 L2,047.63 L196,800.43
39 L10,010.00 L8,042.00 L1,968.00 L188,758.43
40 L10,010.00 L8,122.42 L1,887.58 L180,636.01
41 L10,010.00 L8,203.64 L1,806.36 L172,432.37
42 L10,010.00 L8,285.68 L1,724.32 L164,146.69
43 L10,010.00 L8,368.53 L1,641.47 L155,778.16
44 L10,010.00 L8,452.22 L1,557.78 L147,325.94
45 L10,010.00 L8,536.74 L1,473.26 L138,789.20
46 L10,010.00 L8,622.11 L1,387.89 L130,167.09
47 L10,010.00 L8,708.33 L1,301.67 L121,458.76
48 L10,010.00 L8,795.41 L1,214.59 L112,663.34
49 L10,010.00 L8,883.37 L1,126.63 L103,779.97
50 L10,010.00 L8,972.20 L1,037.80 L94,807.77
51 L10,010.00 L9,061.92 L948.08 L85,745.85
52 L10,010.00 L9,152.54 L857.46 L76,593.31
53 L10,010.00 L9,244.07 L765.93 L67,349.24
54 L10,010.00 L9,336.51 L673.49 L58,012.73
55 L10,010.00 L9,429.87 L580.13 L48,582.85
56 L10,010.00 L9,524.17 L485.83 L39,058.68
57 L10,010.00 L9,619.41 L390.59 L29,439.27
58 L10,010.00 L9,715.61 L294.39 L19,723.66
59 L10,010.00 L9,812.76 L197.24 L9,910.89
60 L10,010.00 L9,910.89 L99.11 -L0.00
Interes Acumulado Fecha
0 1/30/2021
L4,500.00 2/28/2021
L8,944.90 3/31/2021
L13,334.15 4/30/2021
L17,667.19 5/31/2021
L21,943.46 6/30/2021
L26,162.40 7/31/2021
L30,323.42 8/31/2021
L34,425.95 9/30/2021
L38,469.41 10/31/2021
L42,453.21 11/30/2021
L46,376.74 12/31/2021
L50,239.41 1/31/2022
L54,040.60 2/28/2022
L57,779.71 3/31/2022
L61,456.10 4/30/2022
L65,069.16 5/31/2022
L68,618.26 6/30/2022
L72,102.74 7/31/2022
L75,521.97 8/31/2022
L78,875.29 9/30/2022
L82,162.04 10/31/2022
L85,381.56 11/30/2022
L88,533.17 12/31/2022
L91,616.20 1/31/2023
L94,629.97 2/28/2023
L97,573.77 3/31/2023
L100,446.90 4/30/2023
L103,248.67 5/31/2023
L105,978.36 6/30/2023
L108,635.24 7/31/2023
L111,218.59 8/31/2023
L113,727.68 9/30/2023
L116,161.75 10/31/2023
L118,520.07 11/30/2023
L120,801.87 12/31/2023
L123,006.39 1/31/2024
L125,132.85 2/29/2024
L127,180.48 3/31/2024
L129,148.49 4/30/2024
L131,036.07 5/31/2024
L132,842.43 6/30/2024
L134,566.75 7/31/2024
L136,208.22 8/31/2024
L137,766.00 9/30/2024
L139,239.26 10/31/2024
L140,627.15 11/30/2024
L141,928.82 12/31/2024
L143,143.41 1/31/2025
L144,270.05 2/28/2025
L145,307.85 3/31/2025
L146,255.92 4/30/2025
L147,113.38 5/31/2025
L147,879.31 6/30/2025
L148,552.81 7/31/2025
L149,132.93 8/31/2025
L149,618.76 9/30/2025
L150,009.35 10/31/2025
L150,303.74 11/30/2025
L150,500.98 12/31/2025
L150,600.09 1/31/2026
 Monto L 450,000.00
Tasa Interes 12%
Plazo 60
Forma de pago 12
Cuota de Capital L7,500.00

No. Cuota Cuota Capital Cuota Intereses Saldo Capital

0 L 450,000.00
1 L12,000.00 L7,500.00 L4,500.00 L442,500.00
2 L11,925.00 L7,500.00 L4,425.00 L435,000.00
3 L11,850.00 L7,500.00 L4,350.00 L427,500.00
4 L11,775.00 L7,500.00 L4,275.00 L420,000.00
5 L11,700.00 L7,500.00 L4,200.00 L412,500.00
6 L11,625.00 L7,500.00 L4,125.00 L405,000.00
7 L11,550.00 L7,500.00 L4,050.00 L397,500.00
8 L11,475.00 L7,500.00 L3,975.00 L390,000.00
9 L11,400.00 L7,500.00 L3,900.00 L382,500.00
10 L11,325.00 L7,500.00 L3,825.00 L375,000.00
11 L11,250.00 L7,500.00 L3,750.00 L367,500.00
12 L11,175.00 L7,500.00 L3,675.00 L360,000.00
13 L11,100.00 L7,500.00 L3,600.00 L352,500.00
14 L11,025.00 L7,500.00 L3,525.00 L345,000.00
15 L10,950.00 L7,500.00 L3,450.00 L337,500.00
16 L10,875.00 L7,500.00 L3,375.00 L330,000.00
17 L10,800.00 L7,500.00 L3,300.00 L322,500.00
18 L10,725.00 L7,500.00 L3,225.00 L315,000.00
19 L10,650.00 L7,500.00 L3,150.00 L307,500.00
20 L10,575.00 L7,500.00 L3,075.00 L300,000.00
21 L10,500.00 L7,500.00 L3,000.00 L292,500.00
22 L10,425.00 L7,500.00 L2,925.00 L285,000.00
23 L10,350.00 L7,500.00 L2,850.00 L277,500.00
24 L10,275.00 L7,500.00 L2,775.00 L270,000.00
25 L10,200.00 L7,500.00 L2,700.00 L262,500.00
26 L10,125.00 L7,500.00 L2,625.00 L255,000.00
27 L10,050.00 L7,500.00 L2,550.00 L247,500.00
28 L9,975.00 L7,500.00 L2,475.00 L240,000.00
29 L9,900.00 L7,500.00 L2,400.00 L232,500.00
30 L9,825.00 L7,500.00 L2,325.00 L225,000.00
31 L9,750.00 L7,500.00 L2,250.00 L217,500.00
32 L9,675.00 L7,500.00 L2,175.00 L210,000.00
33 L9,600.00 L7,500.00 L2,100.00 L202,500.00
34 L9,525.00 L7,500.00 L2,025.00 L195,000.00
35 L9,450.00 L7,500.00 L1,950.00 L187,500.00
36 L9,375.00 L7,500.00 L1,875.00 L180,000.00
37 L9,300.00 L7,500.00 L1,800.00 L172,500.00
38 L9,225.00 L7,500.00 L1,725.00 L165,000.00
39 L9,150.00 L7,500.00 L1,650.00 L157,500.00
40 L9,075.00 L7,500.00 L1,575.00 L150,000.00
41 L9,000.00 L7,500.00 L1,500.00 L142,500.00
42 L8,925.00 L7,500.00 L1,425.00 L135,000.00
43 L8,850.00 L7,500.00 L1,350.00 L127,500.00
44 L8,775.00 L7,500.00 L1,275.00 L120,000.00
45 L8,700.00 L7,500.00 L1,200.00 L112,500.00
46 L8,625.00 L7,500.00 L1,125.00 L105,000.00
47 L8,550.00 L7,500.00 L1,050.00 L97,500.00
48 L8,475.00 L7,500.00 L975.00 L90,000.00
49 L8,400.00 L7,500.00 L900.00 L82,500.00
50 L8,325.00 L7,500.00 L825.00 L75,000.00
51 L8,250.00 L7,500.00 L750.00 L67,500.00
52 L8,175.00 L7,500.00 L675.00 L60,000.00
53 L8,100.00 L7,500.00 L600.00 L52,500.00
54 L8,025.00 L7,500.00 L525.00 L45,000.00
55 L7,950.00 L7,500.00 L450.00 L37,500.00
56 L7,875.00 L7,500.00 L375.00 L30,000.00
57 L7,800.00 L7,500.00 L300.00 L22,500.00
58 L7,725.00 L7,500.00 L225.00 L15,000.00
59 L7,650.00 L7,500.00 L150.00 L7,500.00
60 L7,575.00 L7,500.00 L75.00 L0.00
 C

Interes Acumulado Fecha

0 1/30/2021
L4,500.00 2/28/2021
L8,925.00 3/31/2021
L13,275.00 4/30/2021
L17,550.00 5/31/2021
L21,750.00 6/30/2021
L25,875.00 7/31/2021
L29,925.00 8/31/2021
L33,900.00 9/30/2021
L37,800.00 10/31/2021
L41,625.00 11/30/2021
L45,375.00 12/31/2021
L49,050.00 1/31/2022
L52,650.00 2/28/2022
L56,175.00 3/31/2022
L59,625.00 4/30/2022
L63,000.00 5/31/2022
L66,300.00 6/30/2022
L69,525.00 7/31/2022
L72,675.00 8/31/2022
L75,750.00 9/30/2022
L78,750.00 10/31/2022
L81,675.00 11/30/2022
L84,525.00 12/31/2022
L87,300.00 1/31/2023
L90,000.00 2/28/2023
L92,625.00 3/31/2023
L95,175.00 4/30/2023
L97,650.00 5/31/2023
L100,050.00 6/30/2023
L102,375.00 7/31/2023
L104,625.00 8/31/2023
L106,800.00 9/30/2023
L108,900.00 10/31/2023
L110,925.00 11/30/2023
L112,875.00 12/31/2023
L114,750.00 1/31/2024
L116,550.00 2/29/2024
L118,275.00 3/31/2024
L119,925.00 4/30/2024
L121,500.00 5/31/2024
L123,000.00 6/30/2024
L124,425.00 7/31/2024
L125,775.00 8/31/2024
L127,050.00 9/30/2024
L128,250.00 10/31/2024
L129,375.00 11/30/2024
L130,425.00 12/31/2024
L131,400.00 1/31/2025
L132,300.00 2/28/2025
L133,125.00 3/31/2025
L133,875.00 4/30/2025
L134,550.00 5/31/2025
L135,150.00 6/30/2025
L135,675.00 7/31/2025
L136,125.00 8/31/2025
L136,500.00 9/30/2025
L136,800.00 10/31/2025
L137,025.00 11/30/2025
L137,175.00 12/31/2025
L137,250.00 1/31/2026