Aa Tablas Tarquin PDF

 

Tab Ta blas de fa fact cto ore ress de in inte terrés compuesto

0 25

TABLA TA BLA

1

Flujo de efectivo discreto: Factores de interés compuesto

Pagos únicos nicos

Pagos de serie uniforme

Gradien enttes

0 25 aritm itmé éti tico cos s

Cant Ca ntidad idad

Recup cupe eraci ració ón

pres pr ese ente

Factor de Factor amor ortiz tizaci ación ón

compues ompuestta

de ca capit pita al

Valor presen resente te

Gra Gr adi die ente de valor presente

Gradie ien nte de serie anual

FIP

PIF

 lF

FI 

lP

PI 

PIG

AlG

1

1.0025

0.9975

1.00000

1.0000

1.00250

0.9975

2 3

1.0050 1.0075

0.9950 0.99 992 25

0.49938 0.33250

2.0025 3.0075

0.50188 0.3 0. 33500

1.992 9925 5 2.9851

0.9950 2.9801

4

1.0100

0.9901

0.24906

4.0 4. 0150

0.2 .25156 5156

3.9751 3.97 51

5.9503

0.4994 0.9983 1.4969

5

1.01 012 26 1.01 015 51

0.9876 0.98 0.9851

0.19900

5.0251

0.20150

4.9 .96 627

9.9007

1.9950

0.16563

0.9827

0.16813 0.14429

5.9478 6.9305

14.8263 20.7223

0.9802

0.1 .14179 4179 0.12391

6.0376 7.0527

2.4927

1.0176 1.0202

8.0704

0.12 126 641

7.9 7. 9107

9 10

1.022 227 7

0.977 778 8

0.11 0.1 1000

9.0905

0.11250

8.8885 8.888 5

27.5 .58 839 35.4061

1.0253

0.9753

0.09 098 888

0.9729

0.08978

12

1.0304

0.9705

0.08219

12.1664

0.08469

9.8639 10.8 .83 368 11.8073

44..1842 44

1.0278

10.11 1133 33 11.1385

0.10138

11 13

1.0330

0.9681

0.07578

13.1968

0.07 078 828

1.0356

0.9656

0.07028

0.0727 7278 8

15

1.038 382 2

0.9632

0.068 0.06 801

14.7 14 .70 042

88.7587 88.7587 102.2441

16

1.0408

0.9608

0.06551 0.06134

14.2 4.22 298 15.2654

12. 2.7 7753 13. 3.7410 7410

76.2053

14

16.3035

0.06384

15.6650

116.6567

17 18

1.0434 1.0460

0.9584 0.95 956 61

0.05766 0.05438

17.3443 18.3876

0.06016 0.05688

16.6235 16. 17.5795

19 20

1.04 048 86 1.0512

0.95 953 37

0.05146

0.05396

0.9513

0.04882

19.43 433 36 20..4822 20

18.533 18.5 332 2 19.4845

131.9917 131. 148.2446 165.4106

21

1.0538

0.94 0.9 489

0.04644

21..5334 21

20..4334 20

183.4851 202.4634

22

1.0565

0.9466 0. 9466

22.5872

21..38 21 3800 00

222.3410 222.341 0

10.3995

23

1.0591

0.9442

0.04427 0.0422 0.042 29

0.04894 0.04677

23..64 23 643 37

0.04479

22. 2.324 3241 1

243 24 3.1131

24

1.061 0618 8

0.94 941 18

0.040 04048 48

24.7 4.702 028 8

0.04 042 298

23.2660

264.775 7753 3

10.89 .8901 01 11..3804 11

25

1.0644

0.939 395 5

25.7 25 .76 646

0.04131

24.2055

26

1.067 0671 1

26.8290

0.03977

25.1426

287.3230 310..7516 310

12..3596 12

27

1.0697 1.07 072 24

0.93'71 0.93 0.9348

0.03881 0.0 .03 3727 0.03585

27.8961

0.03835

26..077 26 0774 4

335.0566 360.23 360.2 334

12.848 8485 5 13.33 337 71

386.277 6.2776 6

13.82 3.8252 52

n

6 7 8

Cant ntiidad compue mpues sta

Valor

77

0.09228

0.05132

53.9133 64.5886

2.9900 3.4869 3.9834 4.4794 4.9750 5.4702 5.9650 6.45 4594 94 6.953 9534 4 7.4469 7.9401 7.9401 8.43 4328 28 8.9251 8.9251 9.41 417 70 9.90 908 85

11..8702 11

0.9325

0.03452

28.965 .9658 8

0.03702

0.9301

0.03329

27.0099 27..9400 27

0.927 278 8

0.03214 0.0321 4

30.038 382 2 31..11 31 1133 33

0.03579

30

1.0751 1.077 0778 8

0.03464

28.8 28. 8679

1.0941

0.9140

0.02658

37.6206

0.02908

34.3 .3865 865

413.1847 592..4988 592

14.3 .31 130

36 40 48

1.1050 1.1273

0.02630 0.02213

38.0199 45.17 45. 178 87

728.7399 1040.06

19.167 673 3 23.0209 23.0

1.1330

0.02380 0.01 019 963 0.0188 880 0

42.0 2.01 132 50..9312 50

50

0.9050 0.88 .8871 71 0.882 .8826 6

46.9 46 .94 462

0.8 .87 782

0.01803

0.02053

0.871 0.87 17

0.01698

0.01948

1353.53

26.37 371 10

0.8609

0.01 015 547

0.01797

55.6524 55.652 4

72

1.1616 1.1969

58.8819 64.6467

48. 8.704 7048 8 51..3264 51

1 125.78 1214.59 1214.

23. 3.9 9802

1.13 138 86 1.1472

53.1 .188 887 7 55..4575 55

0.02130

52

0.01269

0.01519

65.8 65 .81 169

1.2059

78. 8.7794 7794 82..379 82 792 2

28.7514 28.751 34.422 221 1

75

0.8355 0.8292

1600.08 2265.56

0.01464 0.0146 4

68.310 3108 8

2447 24 47.61 .61

84

1.2334

0.810 8108 8

0.01071

93.3 3.341 419 9

0.01321

75.6813

3029.76

35.830 35.83 05 40..033 40 331 1

90

1.2520 1.2709

0.7987 0.7869

0.00992

0.01242

80.5038 85.2546

42..8162 42

1.283 836 6

0.7790

100 00.7 .7885 885 108.347 10 8.3474 4 113 11 3.4500

108 10 8

1.3095

0.008 0.00 808

120

1.3494

0.7636 0.7411

0.00716

123 23..80 809 93 139.7 .74 414

132

1.3904

0.7 0. 7192

0.00640

156.1582

144 240

1.4327 1.820 8208 8 2.456 568 8

0.6980 0.549 0.54 92 0.4070

0.00578

173..0743 173

0.00305 0.0030 0.001 0.0 0172 72

328..3020 328

3.31 3151 51

0.3 .30 016

0.00108

28 29

55 60

96 100

360 480

0.01214

0.00923 0.00881

17..2306 17

24..9377 24

0.01131 0.01 0.Dl058

88.3825 88.38 25

3446.87 3886.28 4 191.24

94.545 94.54 53

4829 48 29..01

51..0762 51

0.00966

103.5618

5852.11

0.00890

112.3 112. 3121

6950.01

56.50 56. 508 84 61.8813

120 20..8041 180.3109

8117..41 8117

582.7369

0.00828 0.00555 0.00 004 422

237 37..18 1894 94

193 9399 99 36264 3626

926.05 059 95

0.00 003 358

279.3 79.34 418

538 3821 21

0.01173

45.5844 47.4216

67.1949 67. 107 10 7.5863 152.89 890 02 192..66 192 6699 99

 

Tabl blas as de facto tores res de in inte teré réss co comp mpu ues estto

776

0 5

TAB ABL LA

2

Flujo de efectivo discreto: Factores de interés compuesto

Pago Pag os únicos

Pagos de serie uniforme

Gradientes

0 5 aritméticos

Cantidad

Valor

Factor de

Cantidad

Recuperación

Valor

com co mpues estta

presente

amortizaciión amortizac

compuesta

de capital

presente

Gradien Gradie nte de valor pr presen esentte

Gradiente de serie anual

n

FIP

PIF

lF

FI

lP

PI

PIG

lG

I

1.0050

0.9950

1.00000

1.0000

1.00500

2

0.990 9901 1

0.49875

2.0050

0.50375

0.990 9901 1

0.49 498 88

3

1.0100 1.0151

0.9950 0.995 1.985 9851 1

0.9851

0.331 0.33 167

3.0150

0.33667

2.9702

2.9604

4

1.0202

0.9802

0.248 2481 13

4.030 0301 1

0.25313

3.9505

5.9011 5.901 1

0.9967 1.4938

5

1.0253

0.19801

5.0503

0.20301

4.9259

9.8026

1.9900

6 7

1.03P4 1.0355

0.9754 0.9705

2.4855

8 9

1.0407 1.0459

0.9609 0.956 0. 9561 1

10

1.05 0511 11

1I

1.0564

6.0755 7.10 105 59

0.16960 0.1 0.14573

5.89 8964 64 6.8621 6.862 1

14..6552 14 20.4493 20.

0.12283

8.1 .14 414

7.8230

27.1755

0.1089 0.1 0891 1

9.18 182 21

0.12783 0.11 11391 391

2.9801 2.9801 3.4738

8.7791 8.7 791

0.95 0. 951 13

0.09 0.0 9777

3.9668 4.4589

0.9466

0.0886 8866 6

10.2280 11..2792 11

34.8244 34. 43..3865 43 52.8526

12

1.0617

0.94 0. 941 19

0.081 810 07

12.3356

4.95 .9501 01 5.440 4406 6

13

1.0670

0.9 0. 9372

0.07464

14

1.0723

0.9326

15 16

1.0777

0.9279 0.9233

17

1.0885 1.0939

0.9187

20

1.0994 1.1049

21

1.1104

0.9657

0.16460 0.14 0. 140 073

0.1 0. 102 027 77

9.73 7304 04

0.09366 0.09366 0.08607

10.6770 10.6 11..6189 11

0.0796 .07964 4

0.06914

13.3972 14..46 14 464 42

0.0741 0.07 414 4

12.556 5562 2 13.488 4887 7

0.06436

15..5365 15

0.06936

14.4166

0.06019

16.6 16. 6142

0.0651 0.065 19

15.339 5.3399 9

0.05651

17.6 7.69 973

0.06151

16.2586

0.91 0.9 141

0.05323

18.7858

0.05823

0.9096

0.05030 0.04767

19.8797

0.05530

20.9791 20.979 1

0.04528

22.0840

22

1.1160

0.9006 0.8961

0.04311

23

1.1216

0.8916

0.04113

24

1.1272

0.8872

25

1.1328

0.8828

26

1.1385

27

1.1442

28 29 30

63.2 .21 136 74.4602 86..583 86 835 5

5.9302 5.93 02 6.4190

99.5743 99. 113.4238

7.3940

17.1728

128.1231 128.1231 143.6634

7.8803 8.3658

18.0824

160.0360

8.8504

0.05267

18.9874

177.2322

9.3342

0.05028

19.8880

195.2434

23.1944

0.04811 0.04613

233.6768

0.03932

24.3104 25..4320 25

20.7841 21.6757

9.8172 10.2993

254.0820

0.03765

26.5591

0.04265

22.5629 23..4456 23

10.7806 11.26 2611 11

275.2686

11..7407 11

0.8784

0.03611

27.6919

0.04111

24..3240 24

297.2281

12..2195 12

0.8740

0.03469

0.03969

0.8697

0.03336

0.03836

319.9523 343..4332 343

12.6975

1.1499

25.1980 26..0677 26

1.1556

0.8653

0.03213

28.8304 29.9745 31.1244

0.0371 0.037 13

26..933 26 9330 0

367.6625

13.65 3.651 10

1.1614

0.861 0.86 10

0.03098

32.280 32.28 00

0.03598

27.7941 27.79 41

392.6324

14.1265

36 40

1.1967 1.2208

0.8356 0.8191

0.02542 0.0 .0226 2265 5

39. 9.336 3361 1 44..1588 44

0.03042 0.02765

557.5598 557. 681 68 1.3347

48

1.27 270 05

0.78 0. 7871 71

0.01849

54..09 54 097 78

0.02349

32.87 8710 10 36.17 172 22 42.5803

50 52

1.2832

0.7793

0.01765

56.6452

0.02265 0.02 265

44.142 44. 1428 8

1.296 2961 1

0.77 .771 16

0.01689

59.21 59.2 180

0.02189

45.6897

1035.70 1113.82

16.9621 18.8359 22.5437 23..462 23 4624 4

1.3156 1.3489

0.760 0.76 01 0.7414

0.01 0158 584 4 0.01433

63.1258

0.02084

25..7447 25

0.01933

1448 144 8.65

28..0064 28

72

1.432 4320 0

0.6983

0.0115 0.01 157 7

69.7700 86..40 86 408 89

47.9814 47. 51..7256 51

1235 35..27

60

33..3504 33

1.45 4536 36

0.6879

0.011 0. 01102 02

90..7265 90

0.016 .01602 02

60.3395 62.41 413 36

2012.35

75

2163. 63.7 75

34.6679

84

1.52 520 04

0.6577 0. 6577

0.0 .00 0961

0.6 0. 6383

0.00883

0.01 014 461 0.01383

2640.66

1.5666

104.0739 104.073 113 11 3.3109

68..4530 68

90

72..33 72 331 13

2976.08

38.5763 41..145 41 451 1

96 100

1.614 6141 1

0.6195

0.0 0. 008 081 14

76.0952

3324.18

43.6845

0.6073

0.0 .00 0773

122.8285 129 29..3337

0.0 .01 1314

1.6467

0.01 0.0 1273

78.54 542 26

45.3613

108

1.7137

0.0 0. 0070 0701 1

142 42..7399

0.01201

83.2934

120

1.8194

0.5835 0.5496

3562.79 4054..37 4054

0.006 0061 10

163 63..8793

0.01110

90.0735

4823.51

53.5508

132 132 144

1.9316 2.0508

0.5177 0.51 0.4876

0.00537 0.00476

0.01037 0.00976

96..4596 96 102 02..4747

5624.59 6451.31

58.3103 58.31 62.9551 62.955 1

240

3.3102

0.3021

0.00216

186 86..3226 210.1502 462.0409

0.00716

139.5808

13 416

96.11 113 31

360 480

6.0226

0.1 0. 1660

0.00100

0.00600

0.0913

0.00050

166.79 791 16 181 18 1.7476

21403

10.9575

1004.52 1 991 991..49

128.3236 151 51..7949

18 19

55

1.083 0831 1

0.9051 0.905 1

0.04432

0.01 016 657

0.00550

214.0611

959.9 9.91 188

27588

6.9069

13. 3.1 1747

24.377 778 8

48.6758

 

Tablas de facto torres de interés compuesto

0 75

TABLA

3

777

Flujo de efectivo disc scrreto: Factores de interés compuest sto o

Pagos únicos

Pagos de serie unif iforme orme

Gra radi die entes

0 75 aritmé métic ticos os

Cant ntiidad

Valorr Valo

Factor de

Canti antidad dad

Recup cupe eración

Valo alorr

Gradiente de

Gradie Gradi ente de

compu mpue esta

presen esentte

amortiiza amort zac ción

compuest compue sta a

de capital

present esente e

valo va lorr pr pres ese ente

seri erie e anu anua al

FP

PF

A/F A/ F

F A

AP

PIA PIA

PG

A G

I

1.0075

0.9926

1.00000

1.0 1.0000

1.00750

2

0.9852 0.977 0.9 778 8

0.49813

2.0075

0.9852

0.4981

0.33085

3.0226

0.50563 0.3383 33835 5

0.9926 1.9777

3

1.0151 1.0227

2.955 2.95 56

2.9408

4

1.0303

0.9706

0.24721

4.0452

3.9261

0.9950 1.4907

5

1.0381

0.9633

0.19702

5.0756

6 7

1.0459

0.16357

6.1136

2.47 478 82

1.0537

0.9562 0.9490

5.8525 9.7058 14..4866 14

0.13967

8

1.0616

0.9420

0.12176

9

1.0696 1.0776 1.0776

0.9350 0.9280

0.10782

10 11

1.0857 1.0938 1.1020 1.1103

15 16

n

0.25471 0.20452

4.8894

7.1595

0.17107 0.14717

5.8 .8456 456 6.7946

20.1808

2.97 .9701 01

8.21 8.2 132

0.12926

7.7366

26.7747

3.460 .4608 8

9.2748 10.3443 10.

0.11532

8.6716

0.09667

0.10417

9.5996

3.9502 4.4384

0.9211

0.08755

11.4219

0.09505

0.914 0.9 142 2

0.0 0. 07995

12.5076

0.08745

10.5207 11.4 11 .43 349

34.2544 42.6064 51..8174 51

0.9074

0.07352

13.6014

0.08102

0.9007

0.06801

14.7034

0.07551

1.1186 .1186 1.1 .12 270

0.8940

0.06324

15.8137

0.8 .88 873

0.05906

16.9323

17

1.1354 .1354

0.8807

0.05537

18

1.1440

0.8742

12 13 14

1.9851

61..8740 61

4.9253 5.411 4110 0

12.3423 13.2430

72.7632 72. 84..4720 84

5.8954 6.3786

0.07074

14.1370

96..9876 96

6.8 .8606 606

0.06656

15.0243

18.0593

0.06287

15.9050

110..3887 2973 124 124.

7.3 .341 413 3 7.8 7. 8207

0.05210

19. 9.1 1947

0.05960

16.7792

139.2494

8.2989

17.6468 17. 18.5080

154.8671 171 71..229 2297 7

9.2516

19

1.1525

0.8676

1.161 1612 2

0. 0.8 8612

0.04917 0.046 .04653

20.3387 21. 21.4912 4912

0.05667 0.0566 7

20 21

1. 1.1699 1699

0.8548

0.04415

22.6524

22

1.1787

0.8484

0.04198

23.8223

0.05165 0.04948

23 24

1. 1.1875 1875 1.1964 .1964

0.8421

0.04000

25.00 001 10

0.8358

0.03818

26.1885

25

1.2054

0.8296

0.03652

26

1.2144

0.8234

0.03498

27

1.2235

0.81 0.8 173

0.03355

28

1.232 2327 7

0.8112

29

1.2420

0.805 052 2

0.03223 0.03223 0.031 0310 00

30

1.2513 1.2513

0.7992

0.02985

36 40

1.3086 1.3483

0.7641 0.741 0.74 16

48

1.4314

50

1.4530

52 55

0.0540 0.054 03

8.7759

19..3628 19

188.3253

9.7261

206..1420 206

10.1994

0.04750

20.2112 21..0533 21

224.6682

0.04568

21. 1.8 8891

10.6714 11..1422 11

27.3849

0.04402

22.7188

243.8923 243.8923 263.8029

28.5903

0.04248

23.5422

284.3888

29.8047 31.0 1.0282 282

0.04105

24.3595

305.6387

0.0 0. 0397 3973 3

25..1707 25

327 32 7.54 541 16

32.2609 33..5029 33

0.03850

25.975 25.97 59

350.0867

13.0128 13..4774 13

0.03735

26..775 26 7751 1

373.2631

13.9407

41. 1.1527 1527 46.4465

0.03180 0.02903

31.4468 31. 34..4469 34

524.9924 637.4693

0.6986

0.02430 0.02153 0.01739

57.5207

0.02489

0.6883

0.01656

60.3943

0.02406

40.1848 41.5664 41.

1.4748

0.6780

0.0 0. 01580

63.3111

0.02330

42.9276

0.663 0.66 30

0.01476

0.6 .63 387

0.0 0.01326 1326

67.7688 67.7688 75.4 5.4241

0.02226 0.0222 0.0207 0.02 076 6

44.931 44.93 16

60

1.5083 1. 1.56 5657 57

72

1.7126 1.7126

0.5 0. 5839

0.010 105 53

95.0070

0.01803

48.1734 48.17 34 55..4768 55

75

1.7514

0.5710

0.00998

100 00..1833

0.01748

57.2027

84

1.8732

0.5338 0.51 0.5 104 0.488 4881 1 0.4737

0.00859 0.00782

116.4269

0.01609

62.1540

127.8790 139.8562

0.01532

65.2746

2578.00

37.1357 37. 39..4946 39

0.01465

68.2584

2853.94

41. 1.8107 8107

90

1.959 9591 1

96

2.0489

0.00715 0.00675

11..6117 11 12.0800 12. 12..5470 12

886.8404

16.6946 18.5058 22.0691

953.8486 953. 1022 022..59

22.9476 23.8211 23.821 1

1 128.79 1 313.52 1791.25

25.1223

1917.22 2308.13

33.5163

27.2665 32.2882

100

2.1111

43.331 3311 1

0.44 446 62

0. 0.0 00604

0.0\354

70.1746 70.1 73.8394

3040.75 341 34 19.90

46.3154

120

2.2411 2.4514

148.1445 165 65..4832

0.01425

108

0.4079

0.00 .0051 517 7

193 93.5 .51 143

0. 0.0126 01267 7

78.9417

3998 98..56

50.6 .65 521

132 144

2.6813 2.9328

0.3730 0.34 341 10

224.1748 224.1 257.711 257.71 16

6.0092

0.1664

667.8869

0.01 011 196 0.01138 0.00900

83.6064 83.6064 87.8711 87.871 1 111. 1.1450 1450

4583 83..57 5 169.58

240

0.00446 0.0 0. 00388 0.00150

54.8232 58.8314 85..4210 85

360 480

14.7306

0.0679

0.00055

124.2819

0.0277

0.00021

1830 830..74 4681.32 4681. 32

0.00805

36..1099 36

0.00771

129.6409

13312 1331 15513

9494.12

107 07..1145 119 19..6620

 

Tabl Ta blas as de fact actores ores de interé interéss compu ompues estto

778

1 

TABLA

4

1 

Flujo de efectivo discreto: Factores de interés compuesto

Pago Pag os únic nicos

Pagos de serie uniforme

Cantidad

Valor

Factor de

Cantidad

Recuperación

compuesta

presente

amortizaciión amortizac

compuesta

de capital

Gradientes Vallor Va presente

Gradiente

de

aritméticos Gra Gr adiente

serie anual

P G

 lG

0.4975

2.941 2.94 10

0.9803 2.9215

n

F P

P F

A/F

F/A

 lP

1

1.0100

0.9901 0.990 1

1.00000

1.00 000 00

1.01000

2

1.020 0201 1

0.9803

0.4 .4975 9751 1

2.0100 2. 0100

3 4

1.0303 1.0406

0.9706 0.961 0.96 10

0.33002

3.0301

0.507 50751 51 0.34002

0.24628

4.0604

0.25628

3.9020

5.8044

5

1.0510

0.9515

0.19604

5.1010

0.20604

4.8534

9.6103

6 7

1.06 061 15

0.9420

0.16255

1.0829

0.13863 0.12069

5.7955 6.7282

8

0.9327 0.9235

0.17255 0.1 .14 4863

14.3205

1.072 0721 1

6.1520 7.21 7.2 135

1.9801 2.4710

0.13069

7.6517

2.9602 3.4478

9

1.0937

0.9 .91 143

0.10674 0.10 674

0.11 1167 674 4

lO

1.1046 1.11 1157 57

0.9053

0.09558

8.2857 9.3685 10..462 10 4622 2

19.9168 19.91 26.3812

8.5660 8.5660 9.47 471 13

33.6959 41.843 8435 5

3.9337 4.4179

0.8963 0.8963 0.88 8874 74

0.086 8645 45

11.5 11 .5668 668

0.09645 0.08885 0.082 0.0 824 41

13.0037 13.865 8651 1

50.8 .80 067 60.568 .5687 7 71..1126 71 82..422 82 221 1

4.9 4. 900 005 5

12.6825 13..809 13 8093 3

10.36 3676 76 11..2551 11

94..4810 94

6.81 6.8 143

11 12 13

J.l268

0.10558 0.1055 8

P

0.99 9901 01 1.9704

0.9934 1.4876

5.3815

0.8 0. 8787

0.078 0788 85 0.0724 0.07 241 1

14

1.1381 1.1495

0.8700

0.06690 0.0 6690

14..94 14 947 74

15

1.1610

0.86 861 13

0.062 621 12

16.0 .09 969

0.0 .07 769 690 0 0.0721 0.072 12

16 17

1.1726 1.1843

0.8528 0.8528 0.8444

0.05794 0.05794 0.05426 0. 05426

17.2579 18.4304

0.06794 0.06426

14.7179 14. 15.5623

107.2734 120.7834

7.2886 7.76 761 13

18

1.1961

0.05098

19.6147

0.06098

8.2323

1.2081 1.2202

0.04805

0.8195

0.04542

20.8109 22.01 22.0 190

0.05805 0.0 .05 5542

16.3983 17.2260

134.9957

19 20

0.8360 0.8 0.8277

8.7017 9.1694

21

1.2324

22

1.2447

0.8114 0.811 4 0.8 .80 034

0.04303 0.04303 0.04086

23.2392 24..4716 24

0.053 .0530 03 0.05 0508 086 6

149.8950 165.4664 181.69 695 50

23

1.2572

0.7954

0.03889 0.03 889

25..716 25 7163 3

24

1.269 697 7

0.78 0.7 876

0.03707

26..9735 26

25

1.282 2824 4

0.7798 0.7798 0.7720

0.03 0.0 354 541 1 0.0338 3387 7

0.7644

0.03 0.0 3245

26

12. 2.1 1337

18.04 8.045 56 18.8570

5.8607 6.338 3384 4

9.635 9.63 54

198. 98.5 5663

10.0998 10. 0998

0.04889

19.66 660 04 20.4558

216.0 216 .066 660 0

0.04707

21.2434

234 23 4.1800

10.56 10. 562 26 11..023 11 237 7

28.2432

0.04541

22.0232

252.894 2.8945 5

11..483 11 831 1

29.5256

0.0438 387 7

22.79 .7952 52

11..9409 11

30.8 .820 209 9 32.1 32. 1291 33..4504 33

0.04245 0.0411 112 2

23.5596 24.3164

272.1957 272 292.0702

0.03990

25.06 065 58

28

1.2953 1.3082 1.3213

0.7568

0.0311 112 2

29

1.3345

0.749 7493 3

0.0 0. 02990

30

1.3478

0.74 741 19

0.02875

34.7849

0.0387 03875 5

25.8077

355.0021

13..7557 13

36 40

1.4308 1.4889

0.02321 0.02046 0.01633 0.01 633

30.1075 32..83 32 834 47 37.9740 37.97 40

494.6207 596..856 596 8561 1

1.6122 1.6446

43.0 .07 769 48..8864 48 61.222 2226 6

0.03 .033 321 0.03046

48

0.6989 0.6717 0.6203

820 82 0.14 1460 60

16.4285 18.1776 21.59 597 76

27

0.02633 0.02 02551 551

de

valor presente

312.5047 333..4863 333

12.397 2.3971 1 12.85 2.851 16 13.3044

50 52

0.6080

0.0 0. 01551

64.463 4632 2

39..196 39 961 1

879.4 9.41 176

22..4363 22

1.6777

0.596 961 1

0.01476

0.0 .02 2476

40.394 3942 2

939.9175 939.91 75

23..2686 23

55

1.728 285 5

0.5785 0.57 85

0.02373

42.1472

1032.81

24.5049 24.504 9

60

1.8167

81..6697 81

0.02224

2.0 2. 0471

0.0095 0.00 955 5

104..7099 104

0.01955

44.9 .95 550 51..1504 51

1 192.81

72

0.5504 0.488 4885 5

0.01373 0.01373 0.01224

67.76 .768 89 72..8525 72

1597.87 1597 .87

26.5333 26.533 3 31.2386

75

2.109 091 1

0.4741

0.01 019 902

84

0.4335

32.3793 35.7170

0.0069 0.00 690 0

0.017 .01765 65 0.01690

1702.73 2023 23..32

0.4084

130.6723 144.8633

52. 2.5 587 871 1 56..6485 56

90

2.3067 2.4486

0.00902 0.0 0.00765 0.007 65

110.9128 110.912 8

2.5993

0.3847

0.0062 0.0 0625 5

0.0162 0.0 1625 5

100 108

0.369 3697 7

0.00 .00587 587

0.015 158 87

63.0289

0.34 .341 14

0.0051 00518 8

192.8926

0.0 .015 1518 18

65.85 .857 78

2605.78 2898..42 2898

120

2.7048 2.9289 3.300 004 4

159 15 9.9273 170.4814

224 240 0.57 245 24 59.43

37.8724

96

59.1609 59.1 61.52 5277 77

0.303 .3030 0

0.00 004 435

69.7005 69.7 005

3.7190

0.2689

0.0036 0.003 68

230.0387 230 271 71..895 959 9

0.01435

132

0.0136 01368 8

73.1108

3334.1 3334 .11 1 3761 376 1.69

47.8349 47. 51.4520

144

4.19 190 06

0.2386 0. 2386

0.00 003 313

0.01313

76.13 76. 137 72

4177..47 4177

54.86 4.867 76

240

0.0918

0.00101

0.01101

90.8 .81 194

0.027 0278 8

0.00029

3494 349 4.96

0.01029

97.2183

6878.60 872 87 2Q.43

75..7393 75

360

10.8 .8926 926 35.9496

319 19..0616 989.2554

480

118. 11 8.6 6477

0.0084

0.00008

11 765

0.01008

99.1572

9511 11..16

95.9 95 .9200 200

39..9727 39 41.3426 41. 44.0 .010 103 3

89.6995

 

Tabl blas as de fa facctores de int inteerés compu compues esto to

1 25

T BL  

5

Fluj Fl ujo o de efec ecttiv ivo o di disc scre reto to:: Fa Faccto tore ress de int nter eréés com omp pue uest sto o

Pago Pa gos s ún únic icos os Cantidad compuesta

Pagos de serie uniforme Cantiidad Cant

Recuperación

presente

compuesta

de capital

presente

valor presente

serie anual

F/ A

 lP

P/ A

P IG

 l G

 l F

1 2

1.0125 1.0252

0.9877 0.97 975 55

1.00000 0.4968 9680 0

3 4

1.038 380 0

0.9 .96 634

0.3292 2920 0

1.0509 1.064 0641 1

0.95 0.9 515

0.24536

0.9398

1.0774

0.9282

1.0909 1.1045

9 10 11 12

aritméticos

Fact Fa ctor or de

P IF

8

Gradientes

amorttizac amor izaciión

F IP

6 7

1 25

Valor

n

5

779

1.0000 2.0 .01 125

Vallor Va

Gradiente

de

Gra rad die ien nte de

0.9877 1.9631

0.97 .975 55

0.4969

3.0 .03 377

1.01250 0.50 .50939 939 0.34 341 170

2.92 2.9 265

2.9 .90 023

4.0756

0.25786

3.8781

5.7569

0.19506

5.1266

0.20756

4.8178

9.5160

0.9917 1.4845 1.9752

5.746 5.7 460 0

14.1569 14.1 569

2.4638

0.9054

0.11 11963 963

6.1907 7.268 680 0 8.358 3589 9

0.1 0. 17403

0.9 .9167 167

0.16 161 153 0.137 375 59

0.1500 15009 9 0.13213

6.6627 7.568 5681 1

19.657 19 .6571 1 25.9949

2.9 .950 503 3 3.4348

1.1 183 1.1323

0.8942

0.1 .10567 0567

9.4634

0.11817

8.4623

0.8832 0. 8832

0.09450 0.0 9450

10.58 581 17

0.10700

9.3455

33.1487 41.0973

4.3975

1.1464

0.872 723 3

0.085 0853 37

11..7139 11

0.0978 0.097 87

4.8758

0.8 .861 615 5

0.0 .07776 7776

0.09026

10.2178 11.0793

49.8 49. 8201

1.1608 1.1753

5.3520

3.9172

0.07132

0.08382

11..9302 11

14 15'

1.1900

0.8509 0.8404

12.86 2.860 04 14.02 14 .021 11

0.0658 06581 1

15. 5.1 1964

0.0783 0.0 7831 1

12.77 770 06

59. 9.2 2967 69.5072 80.4320

1.2048

0.83 0. 8300 00

0.061 0.06 103

16.38 3863 63

0.07 073 353

13.600 .6005 5

92.0519

6.76 7682 82

16 17

1.2199 1.2351

0.8 .819 197 7 0.80 0.8 096

0.05 0568 685 5 0.05316

17.5912 17. 18.81 8111 11

0.0693 06935 5 0.06566

14.42 420 03 15.2299

104.3481 104.3481 117 11 7.3021

7.2362 7.702 7021 1

18

1.250 506 6

16.02 6.029 95 16.819 193 3

130.8958

8.1 .1659 659

145.1115

20

1.282 2820 0

0.78 .780 00

0.04696 0.04696 0.0443 4432 2

20.0462 21.2968

0.06238

19

0.79 799 96 0.789 898 8

0.04988

1.266 2662 2

17.59 7.599 93

8.6 8. 6277 9.0874

21 22

1.298 2981 1

0.7704

1.3143

0.7 0. 7609

23 24

1.33 3307 07 1.34 3474 74

0.7515 0.7422

25

1.364 3642 2

26

1.38 381 12

27

1.398 3985 5

28

1.416 160 0

29

1.4337

30

1.45 451 16

36 40

13

5.8262 6.2982

22.563 .5630 0

0.05946 0.059 46 0.05682

0.04 041 194

23.8450

0.05444

18.3697

0.0 0. 03977

0.0 .05 5227

19. 9.1 1306

0.03780

25.143 1431 1 26.4574

159.931 9.9316 6 175.3392 191 19 1.3174

0.050 0503 30

19.88 8820 20

207. 07.849 8499 9

0.035 0359 99

27.788 7881 1

0.04 048 849

224 24.92 .920 04

0.7330 0.733 0

0.03432

0.7240 0.724 0

0.03279

29.135 354 4 30..499 30 996 6

0.04682 0.04529

20.62 .624 42 21.3573

0.7150

0.03137

0.04 043 387

260.6 260 .61 128 279.2040

11..8024 11

31.88 8809 09

22.0813 22.081 22.796 7963 3

0.7 0. 7062

33..2794 33

0.04255

23 5025

34.6954

0.04132

24 2000

298.2719 317.80 8019 19

12.69 12. 6911 11

0.69 .697 75

0.03005 0.0 0. 02882

0.6889

0.02768

36.1291

0.04018

24.8889

337.7797

13.5715

1.563 639 9 1.6436

0.6394 0.6084

0.02 022 217 0.01942

45.1155 45. 51..4896 51

28.8473 28. 31..3269 31

48

1.8154

0.5 .550 509 9

0.01 01533 533

65.228 65.22 84

0.03467 0.03 0.0 3192 0.02783

16.1639 16.1 17.8515 21.1299

50

0.5373

0 0145 1452 2

37.0129

0.5242

0.01 013 377

68.8818 72.6271

0.02 027 702

52

1.86 8610 10 1.907 078 8

466.283 66.2830 0 559 59..2320 759.2296 811 11..6738

0.02627

38.0677

864.9 4.94 409

22.72 7211 11

55

1.98 9803 03

0.5050 0.4746

0.01275

78..4225 78

0.02525

39.6017

946 46..2277

23.8936

0.011 01129 29

88..5745 88

0.0237 2379 9

0.4088

0.00865

115.6736 123. 23.1035 1035

0.021 211 15

42. 2.0 0346 47.2925 48..48 48 4890 90

108 10 84. 4.8 84 1428 428..46 1515.7 151 5.79 9

25.8 .80 083 30.2047 31.26 260 05

0.01930 0.01 018 857

51.8222

1778..84 1778

34.3258

53.8461

36. 6.28 2855 55

35.93 9315 15

242.5 2.51 132

60 72

2.10 .107 72 2.44 445 59

75

2.5388

0.39 3939 39

0.00812 0.00 812

84

2.839 391 1

0.3522 0.3269

0.00680 0.00607 0.006 07

147.1290 164.7 64.70 050 183.6411

0 01 01795 795

55..72 55 724 46

1953.83 2 127 27..52

0.02062

9.5450 10.0006 10.0006 10.4542 10.90 905 56 11.355 3551 1 12.2478 13. 3.1 1323

21.9295

90

3.05 0588 88

96

0.3034 0.303 4

0.005 0545 45

100

3.29 2955 55 3.46 463 34

0.288 2887 7

0.00 005 507

197.07 19 7.0723 23

0.01757 0.0175 7

56..901 56 013 3

224 22 42. 2.2 24

38.1793 38. 39..4058 39

108 108 120

3.8253 3.82 4.4402

0 2614

0.00442

226. 6.0 0226

41..77 41 773 37

0.00363

5.1540

0.1940

5.98 982 25

0.167 1672 2

0.0155 0.01 551 1 0.01501

64..4781 64

144

0.00301 0.00251

2796.57 310 109 9.35

45..1184 45

132

275.2171 332 32..319 198 8

59.0865 61.98 982 28

2468.26

0.2252

0.01692 0.01613

240 24 0

19.7155

0.0507 0.011 0.0 114 4

0.00067

149 497 7.24

75.942 9423 3

0.00014

6923.28

0.01317 0.0126 0.012 64

3404.61 5101..53 5101

79. 9.0 0861

5997.90

75.8401

0.0026

0.00003

31016

0.01253

79.79 79. 794 42

6284.74

78.7 8.761 619 9

360 480

87.5410 388. 8.7 7007

398 39 8 6021 6021

66.6 66. 6277

48.2234 48. 51..099 51 990 0 67..17 67 176 64

 

Tabl Ta blas as de facto torres de interé interéss compue mpuessto

78

15

TABLA

6

Flujo de efectivo discreto: Factores de interés compuesto

Pagos Pago s únic únicos

Gradien Gr adienttes aritmétic ritmético os

Pagos de serie unifo forrme Fact actor de

Can anttidad

Rec Re cupe upera raci ció ón

presen esentte

amo am orti rtiz zaci ció ón

co com mpuesta esta

PI F

 l F

F /A

1.0150 1.03 0302 02

0.9852 0.9852 0.9 .9707 707

1.0000 00000 0 0.496 49628 28

1.0 1.0000 2.0150

1.015 1500 00 0.5 .51128 1128

J.0457 1.06J4

0.9 .9563 563 0.9422

0.328 3283 38

3.0 3. 0452

0.24444

4.0909

1.0773 1.0934

0.9283

0.194 19409 09

 .I098

0.9145 0.901 0.90 10

0.1605 0.160 53 0.13656

 .I26 265 5 1.14 143 34

0.8877 0.874 8746 6

0.11858 0.10461

9.5593

1.1605 1.177 1.1779 9

0.8 .861 617 7

0.09343 0.09 343

0.10 108 843

9.2222

0.8489 0.848 9

0. 0.08 084 429

10.7 10.7027 11.863 11.8633 3

0.099 0.09 929

0.8 0. 8364

0.09J6 0.0 9J68 8

0.82 8240 40

0.07668 0.07 0.0702 7024 4

13.041 412 2

13

1.1956 1.1956 1.213 2136 6

14

1.2318

0.811 0.81 18

0.06472 0.06 472

14.2368 15.450 4504 4

15 16

1.2502

0.7999

0.05994

1.2690 1.288 2880 0

0.7880

0.05 05577 577

0.7764

0.0520 05208 8

1.3073

0.7 .7649 649

0.0488 881 1

1.32 3270 70 1. 1.3 3469

0.75 0. 7536 36

0.04 045 588

20

0.74 742 25

0.04325

21

1.36 367 71

22

1.3876

0.73 .731 15 0.720 0.72 07

0.04087 0.03 .0387 870 0

23

1.4084

0.7 .7100 100

24

1.429 4295 5

Cantidad Cantida d comp mpu uest esta a n

F IP

1 2 3 4 5 6 7 8 9 10 11 12

17 18 19

Valo alorr

15

Gradi Gra die ente de valor presen sentte

Gra rad diente de

de cap apiital

Valor presen resentte

 l P

PI A

P /G

 l G

0.98 .985 52 1. 1.9559 9559

0.9707

0.4963

0.34338

2.9 .91 122

2.88 8833 33

0.25 259 944

3.854 544 4

0.99 .990 01 1. 1.4 4814

5.1523

0.209 .2090 09

4.782 7826 6

5.7098 9.4229

6.2296

0.17553

7.3230 8.43 4328 28

0.J5156

5.6972 6.5982 7.48 4859 59

13. 3.9956 9956 19..40 19 401 18

ser serie anu anua al

1.9702 1.9702 2.4566

25..6157 25

2.9405 3.42 421 19

32.6125 40..367 40 3675 5

4.37 3772 72

10.0711

48.8568

4.8512

0.08524

10.9 0.90 075 11.73 11.7315 15

5.3227 5.7917

0.0797 07972 2

12.54 543 34

58.0571 67.9454 78.4994

16.682 6821 1

0.07494

13.3432

89..6974 89

6.7223

17.9324

0.0707 077 7

14..1313 14

101 10 1.5178

19. 9.201 2014 4 20.4894 20. 21.79 796 67

0.067 0. 0670 08

14.9076

113 13.94 .940 00

7.1839 7.18 7.643 7.64 31

0.0638 6381 1

15.672 15. 6726 6 16.426 16 .4262 2

126. 26.9 9435

23.12 1237 37 24..4705 24

0.13358 0.1 0.11 119 961

0.06 .06088 0.05 058 825

8.3605

17.16 .1686

140.5084 154.6154

3.90 900 08

6.2582

8.0 .0997 997 8.55 553 39 9.0057 9.455 4550 0

17.900 17. 9001 1

169.24 169.2 453

18.62 620 08

184 18 4.3798

0.05173

19.330 19.33 09

200.0006

9.9018 10.34 3462 62

0.04992

20.0 20. 0304

30.0630 31. 1.51 514 40

0.04826

20.719 196 6 21.3986

216 16..0901 232.6 232 .63 310

10.78 788 81 11..2276 11

249.6065

11..6646 11

32.98 986 67 34.48 34.4 815

0.0453 04532 2 0. 0.044 04400 00

22.06 22 .067 76

267.000 267. 0002 2 284.7958 284.795 8

12. 2.0 099 992 2

22..7267 22

35..9987 35

25.837 25.83 76

0.05 05587 587 0.05 05370 370

0.03673 0.03 0.03492

27.225 .2251 1 28.63 633 35

0.03326

25

1.45 450 09

0.69 699 95 0.689 0.68 92

26

J .4727

0.679 0.67 90

0.03173

27 28

1.4948 1.5172

0.6690

0.03032

29

1.54 5400 00

0.659 6591 1 0.649 0. 6494 4

0.02 .02900 900 0.02 027 778

0.04278

23.3761

302.977 779 9

30 36

1.5631

0.63 .639 98 0.58 5851 51

0.02664 0.02 664 0.02115

37.5387 37.538 7

0.041 04164 64

24.0158 24. 0158

321 21..5310

47.2760

0.036 3615 15

27.660 27.66 07

1.8 1.8140

0.01 0. 01843 843

54.2679

0.03343

29.915 158 8

439.8303 524 52 4.3568

15.9009

40

1. 1.709 7091 1

48

2.043 0435 5

0.5513 0.551 0.4894

50 52

2.105 2.1 052 2

0.47 4750 50

0.01437 0.01437 0.01 013 357

2.1689

0.46 4611 11

55

2.2679 2.4432

0.440 .4409 9 0.409 093 3

2.9212 2.92 12

0.04673 0.04 673

12.5313 12.96 961 10 13.3883 17..5277 17

0.02937

34.042 0426 6

0.02 .028 857

20.6667 20. 21.427 277 7

0.02783

34.9997 34.999 7 35.9287

749. 9.96 963 36

0.01283

69.56 9.565 52 73.6828 77..92 77 9249 49

703 70 3.5462 796.8774 796.87 74

22..1794 22

0.01183

84.52 84.5 296

0.02683

37.2 .2715 715

868.0285

23..289 23 894 4

0.01039 0.01 0.0078 781 1

96.21 96.2 147

0.02 025 539

25.0 5.093 930 0

128. 12 8.07 077 72

0.0 0. 0228 281 1

39.3803 43.844 43.8 447 7

988.16 167 74

0.342 3423 3

1279.79

29.1 29. 1893

3.0546 3.4926

0.327 0.32 74

0.0073 730 0

0.02 0223 230 0 0.02 .021 102

44.8416 44.84 47..57 47 578 86

30.1 0.1631 631

0.006 00602 02

136.9728 166.1726

1352. 352.5 56

0.28 286 63

1568 68..51

32.9668

90

3.8189

0.26 0.2 619

0.005 00532 32

49.209 2099 9

4.1758 4.1 4.4320

0.23 2395 95

0.0 0. 0047 0472 2

187 87..9299 211.7 211. 7202

0.02 0.0 2032

96 100

0.019 1972 72

1709 09..54 1 847 847..47

34.7399 34.7 36..438 36 381 1

0.2256

0.00437

228 22 8.8030

0.01 019 937

50.70 0.7017 17 51. 1.6 6247

1937.45

37.52 37 .529 95

108

4.99 4.9 927

0.200 003 3

0.003 .00376 76 0.00302

266.1 66.177 778 8 331. 1.2 288 882 2

0.01876 0.01876

0.00244

409..135 409 354 4

0.0019 0199 9 0.000 .0004 43

60 72 75 84

120 132

5.9693 7.13 7.1 370

144 240

8.5 .5332 332

0.1675 0.1401 0.1172 .1172

35.632 35.63 28

0.028 281 1

360 360 480 48 0

212..703 212 038 8

0.0 .00 047

1269 126 9.70

0.00 .0008 08

0.00007 0.00 0.0 0. 00001

2112.13

39. 9.61 6171 71

0.01 01802 802

53.3137 53. 55.4985 55 .4985

235 359.71 9.71

42..518 42 5185 5

0.01744

57..3257 57

2588.7 88.71 1

502. 50 2.2 2109

0.016 01699 99

58.8540

2798.58

45.157 45. 579 9 47..55 47 551 12

230 308.8 8.85 5

0.01543

3870 870..69

59. 9.7 7368

4310..72 4310

64.96 966 62

4415 15..74

66..2883 66

141 411 14

0.0150 507 7

64.7 .79 957 66..353 66 532 2

845 458 80

0.0 .01 1501

66.61 6142 42

 

Tabl blas as de factores de interé réss co compue mpuessto

2%

TABLA

7

compuesta

Valor

Pagos de serie uniforme Factor de

Cantidad

Recuperración Recupe

amortización

compuesta

Gradientes aritméticos Valo Val or

Grad adiiente de

Gradiente de

de capital

presente

valor presente

seri se rie e an anua uall

n

FIP

PIF

AlF

FIA

AlP

P A

PG

  lG

1

1.0200

0.9804

1.00000

1.0000

1.0200 02000 0

0.9804 0.980 4

2 3

1.0404 1.06 061 12

0.96 961 12 0.9423

2.0200 3.0604

0.515 5150 05 0.3467 34675 5

1.9416 2.8839 2.88

0.9612 0.961 2.8458

4

1.0824

0.92 923 38

0.49505 0.3267 32675 5 0.2 .24 4262

4.1216

0.26262

1.104 041 1 1.1262

0.9057 0.8880

0.19216

5.2040

0.21216 0.1 0. 178 785 53

3.807 077 7 4.7135

5.6173

5

1.14 148 87

0.87 .870 06

6 7

presente

2%

Flujo de efectivo discreto: Factores de interés compuesto

Pago Pag os únicos Cantidad

781 78 1

0.15853 0.13451

6.3081 7.4343

0.1 .15451 5451

5.6014 5.601 4 6.472 4720 0

0.4950 0.9868 1.4752

9.240 9.24 03

1.9604

13.68 3.6801 01

2.4423

18.9035 18.9035 24.87 24.8 779 31.5720

2.920 9208 8 3.396 3961 1

8

1.1717

0.8 .85 535

0.11651

8.583 5830 0

0.1 0. 13651

7.3255

9

1.1951

0.8368

0.10252

9.754 546 6

0.12252

8.1 .1622 622

10

1.21 2190 90

0.8 .820 203 3

0.09133

10.9497

0.11133

8.9826

38.955 9551 1

4.3367

11

1.24 243 34

0.8 0. 804 043 3

0.08218 0.0821 8

0.10218

4.8021

1.268 682 2

0.7885 0.773 0.77 30

0.07456

55.6 55. 6712

14.68 680 03

5.2642 5.72 723 31

14

0.757 0.7 579 9

15

1.3195 1.345 459 9

0.08812 0.08260

9.7868 10.5753 10.575 3 11..3484 11

46.9 46 .99 977

12 13

12.168 12.1 687 7 13.4121

16

1.3728

0.7284

0.05783 0.05783 0.05 05365 365

17

1.4002

0.714 7142 2 0.7002

0.04997 0.04 0.04670

1.293 936 6

0.743 430 0

0.06812 0.06260

15.9 5.97 739 17.2934 17 .2934

0.09456

12.10 .1062 62

0.07 0.0 7783

12.8493

18.6393

0.07365

13.5777

20.0 .01 121 21.41 4123 23

0.06997

14.29 14. 291 19

0.06670

14.9920

0.06378 0.0611 .06116 6

18

1.4282

19 20

1.4568 1.48 485 59

0.6864

0.04378

0.6730 0.673 0

0.04116

22.8406 22.840 24.2974

21

1.51 5157 57

0.03878

25.7833

0.05878

22

1.5460

0.6598 0.646 6468 8

15.6785 16.35 6.351 14 17.01 011 12

0.0 0. 03663

27.2990

0.05663

23

1.5769

0.6342

0.03467

24

1.6084

0.62 621 17

0.03287

28.8450 30..4219 30

25

1.6406

0.6095

0.03122

32.0303

26 27

1.6734

0.02970 0.02 02829 829

33.670 709 9 35..3443 35

0.05122 0.04970

28

1.7069 1.7410

0.5976 0.5859 0.5744

0.02699

37.0512

29

1.7758

0.5631

0.02 0.0 2578

30

1.811 114 4

0.5521 0.552 1

0.02465

36 40

2.0399 2.20 2.2 080

0.49 490 02 0.4529

0.01923 0.01923 0.0165 01656 6

48

2.5871 2.587 1

50 52

2.69 691 16

0.3865 0.386 5 0.3715

2.800 2.8 003 3

55

2.9717

60 72

5.27 .277 73 5.94 943 31

0.1895 0.1683

108 10 8

6.6929 7.2446 8.4883

120

10..7652 10

132 144

13.6528 17.315 7.3151 1

240 360 480

75 84 90 96 100 100

64.9475 74.7999

3.868 8681 1

6.17 1786 86

85.2021 96.1 96 .12 288

6.6309 7.0 .0799 799

107.5554 119.458 4581 1 131 31..8139

7.5256 7.9681 7.9681 8.4073

144.6003

8.843 433 3 9.2760

17.65 7.658 80

157.7959 157 171 71..3795

0.05467

18.2922

185 85..3309

10. 0.1 1317

0.05287

18.9139 19.523 235 5

199.6305

10.5547

214.2592 229..1987 229 244..4311 244

10.9745 11..3910 11

259.9392

12.2 2.21 145

9.7055

0.046 0469 99

20.1210 20.1 20.7069 21..2813 21

38.7922

0.045 4578 78

21.8444

40. 0.5 568 681 1

0.044 4465 65

22.3965 22.396 5

275.7064 275.7 291 29 1.716 7164 4

12.62 621 14 13. 3.0 025 251 1

51.99 9944 44 60..40 60 402 20

0.0392 03923 3 0.036 3656 56

25.4888 25. 27.355 27.35 55

392.0 392 .04 405 461.993 461 9931 1

0.0126 1260 0

79.35 79.3 535

0.0326 0.03 260 0

84.57 84. 5794 94

0.03182

30.6731 31.4236

605.9657 605.965 642 42..3606

0.3571

0.01182 0.0118 0.01111

15.3809 16.8885 19.7556 20.4420

90.01 0.0164 64

0.03 031 111

32..144 32 1449 9

678. 8.78 7849 49

21..11 21 1164 64

0.33 0. 336 65

0.01014

98..586 98 5865 5

0.03014

33.174 33 .1748 8

22.1057

3.2810

0.3048

0.00877

114.0515

0.02877

4.1611 4.4158

0.240 403 3

0.00633

158. 8.05 057 70

0.02633

34.760 7609 9 37.9841

733.3527 823.6975

27.223 27. 2234 4

0.226 0. 2265 5

0.00586 0.0046 00468 8

170. 0.79 791 18

0.02586 0.02468

1034.06 103 1084.64 123 230 0.42

0.04829

11.8043

23.6961 28.0434 28.04 34 30.36 361 16 31.7929

0.02405

38.67 38. 6771 71 40. 0.5 525 255 5 41.5869

284.6467

0.02351

42.5294

0.0232 0.0 2320 0

0.0 .00 0267

1569.30

0.00 002 205

488 88.25 .258 82

0.0220 0.0 2205 5

43.0984 44.1 44. 1095 45..355 45 3554 4

1409.3 9.30 0 1464.75 14 64.75

33..137 33 370 0

312.2323 374 37 4.4129

171 710 0.42

35.5774 35. 37.711 114 4

0.0732 0.057 578 8

0.0 .00 0158 0.00 001 123

0.0215 158 8 0.02123

46.3378 47.11 112 23

1833.47 1833. 1939.7 939.79 9

39..5676 39 41.173 738 8

115.8887

0.0086

0.000 001 17

632.64 632. 641 15 815.7545 5744.44

0.000 0008 8

0.000 000 02

62328

0.0201 0.020 17 0.02002

49.56 49. 568 86 49.9599

2374.88 2482.57

47.911 110 0

1247 247..56 13 430

0.0001

0.0200 2000 0

49.9963 49.996 3

2498.0 2498. 03

49.9643

0.00 0.0 0405

213.8666 247.1 247. 1567

0.149 494 4

0.00351

0.138 0.1 380 0

0.00320

0.11 0. 1178 78 0.0929

0.02267

1322 322..17

33..9863 33

49.711 112 2

 

Tab abllas de fac factore toress de interé teréss co compue mpuessto

78

3

TABLA

8

Flujo de efectivo discreto: Factores de interés compuesto

Pagos únicos

Pagos de serie unif unifor orm me

3

Gradi radien ente tes s

arit aritm méticos

Cant ntida idad d

Valorr Valo

Facttor de Fac

Can anttidad idad

Recupera ecuperaci ció ón

Valor alor

compuesta

prese pres ente

amortiz rtizac aciión

compuestta compues

de ca capit pita al

presente

valo val or pres prese ent nte e

n

FIP

PIF

 lF

FI 

lP

PI

PIG

 lG

1

1.0300

1.030 03000 00

1.06 060 09

1.00 00000 000 0.49 492 261

1.00 0000 00

2

0.9709 0.970 0.9426 0. 9426

2.0 .03 300

0.52261

0.9151

0.323 235 53

0.888 8885 5

0.239 0. 23903 03

3.0 .090 909 9 4.1 .18 836

0.3 0. 35353

4

1.0 1.092 927 7 1.1255

0.269 2690 03

2.8286 3.717 .7171 1

0.9426 2.7729

0.4926

3 5

1.1593

0.8626

0.1883 8835 5

6

0.8375

0.15460

0.2 .21 1835 0.1 .1846 8460 0

4.5797 5.4172

7

1.194 941 1 1.2299

5.309 091 1 6.4684

0.8 0. 8131

0.1 0. 13051

13.0762 17.9547

1.266 668 8

0.78 0.7 894

0.11246

0.1605 6051 1 0.1 0. 14246

6.2 6. 2303

8

7.6625 7.6 8.8923

7.0197

23.4806

9 10

1.3048

0.7664

0.09843

29..61 29 611 19

3.3450 3.8 .80 032

0.74 744 41

0.087 872 23

0.128 1284 43 0.11723 11723

7.7861

1.3439 1.38 384 42

10.1591 11. 1.4 4639

8.5302 8.53 02

36..3088 36

4.2 .2565 565

0.7224

0.0780 07808 8

12..80 12 8078 78

1.4 1.4258

0.07 0704 046 6

14.1 4.19 920

43.5330 51. 1.2 2482

13 14

1.4685 1.5126

0.7014 014 0.68 .681 10

9.2526 9.9540

4.704 7049 9

12

0.10808 0.108 0.1004 0046 6

0.064 0.06 403

15..61 15 6178 78

0.094 0.09 403

59.4 .41 196

5.5872

0.6611 0.66 11

68..014 68 0141 1

1.5580

0.6419

17.0 .0863 863 18.59 5989 89

0.08853

15

0.058 585 53 0.05377

10.63 .6350 50 11. 1.296 2961 1

0.08377

11.937 9379 9

77.0 77. 000 002 2

6.0210 6.021 6.4500

16 17

1.6047 1.6528

0.6232 0.6050

0.04961 0.0459 04595 5

20.1569 20.1 21. 1.76 761 16

1.7024 1.7535 1.7535

0.5874

0.04271

23..4144 23

12.56 561 11 13.1661 13.753 3.7535 5

86..3477 86 96.028 96.0 280 0 106.0137

6.874 .8742 2 7.2936

18 19

0.07961 0.07961 0.07595 0.07271

25.11 .1169 69 26. 6.8 8704

0. 0.0 0698 6981 1 0.06 067 722

11 116.278 6.2788 8

20

0.03981 0.03 0.03 037 722

14.32 4.323 38

1.8061

0.5703 0.570 3 0.5 0. 5537

21

0.53 .5375 75

0.03487

28.6765

0.521 0.52 19

0.0 .0327 3275 5

8.9231 8.92 9.3186

1.9736

0.0308 3081 1

15.936 5.9369 9 16.4436

148 48..5094

23

30.5 0.53 368 32..4529 32

0.0648 0.06 487 7 0.06 062 275

126..7987 126 137.5 .549 496 6

22

1.86 1.860 03 1.9 1.9161

14.8775 14. 15..4150 15

8.1179 8.117 9 8.5229

159. 59.6 6566

9.7093 9.709 3

0.05905 0.0590 5

170.9711

10.0954 10.476 4768 8

11

0.9709 0.970 1. 1.9 9l35

Gradie Gr adien nte

de

5.4 .43 383 8.8888

24

2.032 0328 8

0.50 506 67 0.49 491 19

0.02905

34..4265 34

25

2.0938

0.47 477 76

0.027 0.02 743

36..459 36 4593 3

0.05743

16.9355 17.4131

26

2.1566 2.1 2.221 2.22 13

0.4637

0.02 025 594 0.02456

38.5 .55 530

0.05594

17.8768

194 94.0 .0260 260

0.45 450 02

0.054 5456 56

18.327 270 0

0.4371 0.4243 .4243

0.02329 0.02211

0.05329

18. 8.7 7641

45.2189

0.41 412 20

0.021 0210 02

47.5754

0.05 052 211 0.05102

19. 9.1 188 885 5 19.6 9.60 004

205. 05.7 730 309 9 217.5320 229..4137 229

30

2.2879 2.3 .35 566 2.4273

40.70 40. 7096 96 42.930 42.93 09

31 32

2.500 5001 1 2.5751

0.020 0200 00 0.01905

50.0027 52.5 52. 5028

0.05 0500 000 0 0.04905

20.0004 20.3888

33

2.6523

0.4000 0.38 .388 83 0.3770

0.01 0.0 1816

55.0778

0.048 .0481 16

34

2.7319

0.3660

0.017 173 32

2.8l39

0.3554

0.0165 01654 4

0.04732 0.04 04654 654

20.7658 20. 21. 1.1 1318

35

57.73 57. 730 02 60.4621

40

3.262 2620 0

0.3066

0.01326

75.4 75 .40 013

0.04 0.0 432 326 6

45

3.7 .78 816

0.26 2644 44

0.0107 01079 9

92.71 2.719 99

50

4.3839

0.228 0. 2281 1

0.00887

11 112 2.7969

55

5.0821

0.19 0. 1968 68

0.007 0073 35

60

5.8916

0.006 006ll3

65 70

6.8300

0.1697 0.1 0. 1464

7.9178

0.1 0. 1263

0.00515 0.005 0.004 0043 34

75

9.1789

0.10 .1089

80 84

10.64 10. 640 09

0.09 0.0 940

11.9764

85 90

12.335 2.3357 7 14.30 4.3005 05

96 108 10 8 120

27 28 29

0.0 0. 06081

182..4336 182

Grad adiient nte e

de

serie anual

0.98 980 03 1.4 1.463 631 1 1.9409 2.4138 2.88 2. 8819 19

5.1 5. 1485

7.7081

10.8535 11. 11.2 225 255 5 11. 11.5 5930 11.955 558 8

24 1.36 l3

12.314 141 1

253.36 360 09 265 26 5.3993 277..464 277 4642 2

12.6678 13..0169 13 13.70 3.701 18

21. 1.4 4872

289.5437 289.5 437 301 01..6267

23.11 23 .1148 48

361. 1.7499 7499

14.0375 15..6502 15

0.040 0407 79

24..518 24 5187 7

0.0388 0.0 3887 7

25..7298 25

420..6325 420 477.4803 477.4 803

17. 7.1 155 556 6 18.557 575 5

l36. 36.0 0716

0.03 0.0 3735

26..7744 26

531.7411

163 63..05 0534 34 194.3328

0.036 036ll3

583 83.05 .0526 26 631.2010

19.8600 21. 1.06 067 74

0.035 0.03 515

27.6756 28.4529

0.03434 0.0343 4

29.1 29. 123 234 4

676..0869 676

23..2145 23

0.00367

230.5941 230 272..63 272 630 09

717.69 6978 78

24.1634

321. 32 1.36 3630 30

0.03367 0.033 0.0 3311 11

29.7 9.70 018

0.003 00311 11

30.2008

756.0 756 .08 865

25.0353

0.0835

0.00273

365. 65.8 8805

0.03273

30.5 .55 501

784.543 5434

25.68 6806 06

0.00265 0.00265 0.002 022 26

377 77..8570 443.3489 443

0.0 .03 3265 0.03226 0.0 3226

17.075 7.0755 5

0.0811 0.0699 0.058 586 6

0.001 .0018 87

535.850 502 2

791.3529 791.3 529 823. 3.630 6302 2 858. 8.63 6377 77

25.834 25.83 49 26..5667 26 27.36 .361 15

24..3456 24

0.04 0411 11

0.00 0012 129 9

778.1863

0.03187 0.03129

30.63 .631 12 31. 1.0024 0024 31.38 381 12 31.9642

917.6 .60 0l3

28.7072

34.7110

0.0288

0.000 00089 89

1123.70

0.03089

32.373 3730 0

963..863 963 8635 5

29.7737 29.773 7

l3..3616 l3

22..184 22 841 1

 

Tabl Ta blas as de fac factore toress de int nteré eréss co com mpuesto

4

TABL TAB LA

9

Flu Fl ujo de efecti tiv vo discreto: Factores de in intterés comp mpuesto uesto

Pago Pa gos s ún únic icos os Canttidad Can compu ompue esta

Valor presente

n

F IP

1

783 78 3

Pagos de serie uniforme Rec Re cupe uperac ración ión

Gradiientes Grad

Cantidad compuesta

P IF

Fac acttor de amorti ortiz zac aciión AlF Al F

FI A

de cap apiital AlP

Valor

1.0400

0.96 .9615 15

1.00000

1.000 0000 0

1.04000

2

1.0816

0.9246

0.49020

2.0400

0.53020

0.9615 0.961 1.886 8861 1

3

1.1249

0.8 0. 889 890 0

0.32035

3.1 3. 1216

0.36035

2.7 2. 775 751 1

4

1.1699

0.8 0. 854 548 8

0.23549

1.2J 67

0.184 846 63

4.246 2465 5 5.41 4163 63

0.27 0.2 7549

5

0.22463

3.6299 4.451 4518 8

4 aritmét éticos icos

presen esentte

Gra rad dien entte de valor prese resen nte

Gradie adien nte de seri erie e anu anual al

P IA

P /G

AlG

0.9246

0.4902

2.7025 5.267 670 0 8.5547

0.9739 1.4510 1.92 921 16

6

1.265 2653 3

0.8219 0.8 0.79 0.7 903

0.1 0. 150 5076 76

6.6 6. 633 330 0

0.19 0.1 9076

5.2 5. 2421

12.50 .506 62

2.3857

7

1.3159

0.7599

0.1 0. 1266 2661 1

7.8983

0.1666 .16661 1

6.002 0021 1

17.0657

2.8433

8

1.3686

0.7307

0.10853

9.21 214 42

0.14853

3.2944

1.4233

0.7026

0.094 944 49

10. 0.5 5828

0.13449

6.732 7327 7 7.4353

22..1806 22

9 10

27.801 27.8 013 3

3.7391

1.4802 l.5395

0.67 675 56

0.08329

8.11 1109 09

33.8 33 .88 814

4.1773

0.6496

0.07415

12. 2.0061 0061 J3.4864

0.12 1232 329 9

11

0.11 114 415

8.7605

4.6090

12

1.6010

0.62 .6246 46

0.06655

15. 5.025 0258 8

0.10655

9.3851

13

l.665 6651 1

0.6 .60 006

0.06014

16.62 .6268 68

9.9856

14 [,5

1.7317

0.5775

0.0 0. 05467

18.29 291 19

0.1001 0014 4 0.09467

40.377 40. 3772 2 47.247 7.2477 7 54.4546

5.8 5. 8659

0.55 555 53

0.04994

20.0236

0.08994

10.56 10. 563 31 11..11 11 118 84

61.961 9618 8

1.80 800 09

69..7355 69

6.2721

16 17

1.8730 1.9479

0.0 .04 4582 0.04 0422 220 0

21.824 8245 5 23. 3.6 6975

0.08582 0.0822 220 0

11..6523 11 12. 2.1 165 657 7

18

2.0 .025 258 8

0.533 5339 9 0.5134 0.493 4936 6

0.03 0.0 389 899 9

25..6454 25

0.07899

12.6 12. 6593

77.7441 77.7441 85.95 958 81 94..34 94 3498 98

6.672 720 0 7.0 7. 065 656 6 7.4530

19 20

2.10 2. 1068 68

0.47 4746 46 0.4564

0.0361 614 4

27.6712

0.076 0. 07614 14 0.07358

21

2.2788 2.278 8

0.03128

8.5779

2.3699 2.46 4647 47

0.02920 0.0 2920

34.248 2480 0

0.0692 06920 0

14.029 4.0292 2 14.45 4511 11

120 20..34 341 14

22

0.43 438 88 0.422 4220 0

29.778 7781 1 31.969 9692 2

102. 02.8 8933 111.5647

7.8342

0.03358

13.1339 13.5903

129.20 129 .2024 24

8.94 8. 940 07

0.40 4057 57

0.0273 0.0 2731 1

36.61 617 79

0.06 0673 731 1

14.8 .85 568

138 13 8.1284

9.297 .2973 3

23 24

2.191 2. 1911 1

0.07128

5.0343 5.0 5.4533

8.2091

2.5633 2.66 .6658 58

0.3 .39 901

0.0255 0.0 2559 9

15.24 15. 247 70

147.101 7.1012 2

9.64 9.6 479

0.37 .3751 51

0.024 0.0 240 01

39..0826 39 41.6459 41.

0.065 0655 59

25

0.0640 401 1

15. 5.622 6221 1

156 56..104 1040 0

26

2.772 7725 5

0.3607

0.02257

44.3117

15.982 15 .9828 8

165.12 16 5.121 12

27

2.8834

0.02 0.0 2J24

47.0842

16..3296 16

174 74.1 .1385 385

10.6640

28 29

2.9987

0.3468 0.3335

0.06257 0.06124

9.9925 10.33 331 12

0.0200 02001 1

49.96 49.9 676

0.06 060 001

16.663 6.6631 1

183 83..142 1424 4

3.1187

0.3207

0.01888 0.01 888

52.966 9663 3

0.05 0.0 5888

16.9837

10.99 0.990 09 11.3120

30

3.243 3.2 434 4

0.3083

0.01 017 783

56.0849

0.05783

17.2 17 .292 920 0

192.1 192 .12 206 201 01..0618

31 32

3.373 3731 1 3.50 508 81 3.6 3. 6484

0.296 965 5 0.2851

0.01686 0.01686 0.01 .015 595

59.3 9.32 283 62.7015

0.01510

66.2095

209.9556 218.7924 227.5634

0.2636 0.2 .25 534

0.0 0. 014 143 31

69..8579 69

0.0543 431 1

236..2607 236

12.8324

35

3.7943 3.794 3.94 .946 61

17.5 7.588 885 5 17.87 7.873 36 18.1476 18.4112

11.937 11. 9371 1 12. 2.2 2411

0.274 2741 1

0.05686 0.05 0559 595 5 0.05510

0.01358

73.6522

0.05358

18.6646

40

4.8010

0.2083

0.0105 01052 2

0.05052

19..792 19 7928 8

13.11 1198 98 14..47 14 4765 65

45

5.84 841 12

0.1 0. 1712

0.00 0082 826 6

95.025 0255 5 121.0294

244.8768 244.8768 286 28 6.530 303 3

0.048 0.04 826

325 25..40 4028 28

15.704 15 .7047 7

50

7.1067

0.1407

361 36 1.1638

16.8122

8.6464

0.115 157 7

152. 52.66 667 71 191 91..1592

0.046 0.0 4655 55

55

0.00655 0.00523

20.72 20.7 200 21.4822 22.1 22. 1086

10..5196 10

0.09 0951 51

0.00420

237.9907

22.6235

393.6890 393. 422.9966

17.8070

60

0.04523 0.04420

65

12.7987

0.078 781 1

0.00339

294 94..96 968 84

0.0433 4339 9

70

15.5716

0.0642

0.00275 0.00 275

364 64..2905

0.04275

23.0467 23.39 3945 45

449.2 49.20 014 472..4789 472

20.1 20. 1961

75

0.0528 0. 0528

0.0022 0.0 0223 3

23.6804

0.0 .04 434

0.001 0.00 181

448.63 48.631 14 551 55 1.2450

0.04223

80

18.9453 23..04 23 0498 98

0.04181

23.9 3.91 154

493.040 408 8 511 11..11 116 61

20. 0.8 8206 21.37 371 18

85

28.0 .0436 436

0.0357

0.00 .001 148

676.090 0901 1

0.04 .041 148

24.1 24. 1085

526..9384 526

21..8569 21

90 96 108

34.1193 43.1718

0.0293 0.0232

0.00121 0.0009 095 5

827.9833 105 054 4.30

0.04121 0.04 0. 04095 095

24.2673 24..42 24 420 09

540.7369 540 554.93 931 12

69.1 9.11 195

0.0145

0.00059

0.04059

24.6383

576..894 576 8949 9

120

110 11 0.6626

24.7 24. 7741

592..24 592 2428 28

283.6 28 3.6618 618

0.000 003 36 0.0001 .00014 4

0.0 .04 4036

144

0.0090 0.003 0.00 35

1702.99 2741 41..56

22.2826 22.7236 23.4146

7066 066..55

0.04014

24.9119

610 61 0.105 055 5

33 34

11..6274 11

12.5396

18.6972 19.490 4909 9

23.9057 24.4906

 

Tablass de fact Tabla cto ores de interé interéss co com mpu pueesto

784 78 4

5

TABLA TABL A

10

Flujo de efectivo discreto: Factores de interés compuesto

Pagos úni únicos cos Can Ca ntidad

Pagos de serie uni uniforme forme

compu com puesta esta

Valo alorr prese pre sen nte

Fact cto or de amortizac zaciión

n

F P

PIF

1 2

1.0500 1.1025

0.9524 0.95 0.90 0.9 070

1.00000 0.48780

1.0000 2.0500

3

1.1576

0'.8638

0'.31 .317 721

4

1.2155

0.8227

0'.2320 23201 1

5

1.2763

0.7835 0.783 5

6

1.34 3401 01

0.7 .74 462

7

1.407 071 1

0'.7 .710 107 7

8

1.4775

0'.676 .6768 8

9

1.5513

10

1.6289

11

1.71 7103 03

0.58 584 47

0'.0 0'. 0'7039

14.20 14. 20''68

12

1.7959

0'.556 5568 8

0.06283

15. 5.9 917 171 1

13

1.8856

0'.530'3

0'.0' 0'5646 5646

14

1.9799

0'.50''51 0'.50

0'.0 .0''5102

15

2.0'78 2.0'7 89

0'..4810 0'

16

2.1829

0.458 581 1

17

2.292 2920 0'

0'..436 0' 4363 3

0.038 03870 70''

18

2.4066

0'.'.4 415 155 5

0.03555

aritméti tméticos cos

Recup Recu peraci eració ón

Valor

de capita tall

prese resent nte e

Grad adiien entte de valor pre val res sente

lP

PI 

PIG

1.050 5000 00 0.53780

0.9524 1.8594

0.90''70' 0.90

0.487 4878 8

3.1 3. 1525

0.3672 36721 1

2.7232

2.6347

0.9675

4.3101

0'.2820'1

3.5460'

5.10'28 5.1 0'28

1.4391

0.18 180 097

5.5 .525 256 6

0.23 0. 230 0'97

4.3295

8.2369

1.90 90''25

0'.14702

6.80'1 '19 9

0'.1970 1970''2

5.07 .075 57

11.9680

2.3579

0'.12282

8.1 8. 1420 420''

0'.17282

5.7864

16.232 6.2321 1

2.80 80''52

0'.10472

9.549 491 1

0.15472

6.4632

20.970 970''0'

3.2445

0'.6446

0'.0'90'69

11.0'266

0'.1 '.14 4069

7.1078

26.1268

3.675 6758 8

0.6139

0.07950 50''

12. 2.5 5779

0.12 .1295 950 0'

7.7 7. 7217

31.652 6520' 0'

4.0 4. 0'99 991 1

0'.12 .120 039

8.3064

37..4988 37

4.514 5144 4

0.1128 11283 3

8.8633

43.62 3.6241 41

4.9219

17.7130 30''

0'.10 10''646

9.3936

49.9879

5.3215

19.5986

0'.10''102 0'.10

9.8 9. 8986

56..5538 56

5.7 .71 133

0'.0 .0''4634

21.57 578 86

0.09634

10''.3797 10

63.2880 2880''

6.0'973

0'.04227

23.65 657 75

0'.09 .092 227

10.8378

70. 0.1 1597

6.4736

25..840'4 25

0.08870

11..2741 11

77.1405

6.8423

28.132 324 4

0'..0'8555 0'

11..689 11 6896 6

84.204 043 3

7.2034 7.20 34

lF

Can anttidad compue ompuest sta a

Gradi dien ente tes s

5

FI 

Grad Gr adiiente lG

19

2.5270

0'.39 395 57

0.03275

30'.5390'

0.0'8275

12.0'853

91.3275

7.55 7.5 569

20'

2.6533

0'.3769

0'.0'3024

33..0'660 33

0'.0'80''24 0'.0'80

12..4622 12

98.4884

7.90 90''30'

21

2.7860

0.3589

0'.0'280 280''0

35..7193 35

0.07800'' 0.07800

12..82 12 821 12

105.6673

8.2416

22

2.9253

0.34 341 18

0.0 0. 0'2597

38.5052

0'.07 .075 597

13.163 630 0'

112 12..8461

8.57 573 30

23

3.071 3.07 15

0'.'.3256 3256

0.024 0.0 241 14

41.4305

0.0741 07414 4

13.4886

120..0'0'87 120

8.897 8971 1

24

3.225 3.22 51

0.3101

0.02247 0.0224 7

44.5020

0.07247

13.7 .798 986 6

127.14 1402 02

9.2140

25

3.3864

0.2953

0'.'.0 0'20'95

47.727 7271 1

0.0'70 0'7095 95

14..0939 14

134 13 4.2275

9.5238

26

3.5557

0.28 281 12

0.01956

51..1135 51

0.06956

14..3752 14

141 41..2585

9.8266

27

3.733 335 5

0'.267 .2678 8

0.0'1 0.0 '18 829

54.6691

0'.0'6829

14.6430'

148. 48.2 2226

10.12 122 24

28

3.920'1

0'.'.2 2551

0.01712

58..40 58 40''26

0.06712

14.898 4.8981 1

155. 55.1 110'1

10'.4 .411 114 4

29

4.1161

0'.2 '.24 429

0'.0'1605

62.3227

0.0660 660''5

15. 5.1 1411

161.9126

10. 0.6936 6936

30

4.3219

0.2314

0'.0' 0'15 150 05

66..4388 66

0.06 065 505

15..372 15 725 5

168.6 168. 6226

10.969 9691 1

31

4.538 5380 0

0.2204

0.01413

70.760 760''8

0.06413 0.06 413

15.59 15 .592 28

175. 75.2333 2333

11.238 2381 1

32

4.7649

0.2099

0.0'1328

75.2988

0'.0'6328

15.80 80''27

181 18 1.7392

11..50'0'5 11

33

5.00'32

0'.1999

0.01249

80'.'.0 0'638

0.0'6249

16..0'0'25 16

188.135 88.1351 1

11.75 7566 66

34

5.25 2533 33

0'.190 .190''4

0'.0'1176

85.0'6 .0'67 70

0'.0' 0'6 6176

16..1929 16

194..4168 194

12.0063

16.3742

20'0.5807

12.2 2.24 498 13.37 13. 377 75

35

5.5160

0'.1813

0.01107

90.32 320 03

0.06 061 107

40'

7.0'40 400 0'

0.1420 1420''

0.0''0828 0.0

120. 12 0.7 7998

0'.05828

17.15 1591 91

229 29..54 5452 52

45

8.985 9850 0

0.111 0. 1113 3

0.00626

159.700 002 2

0'.'.0 0'56 5626 26

17. 7.7 774 741 1

255 55.3 .314 145 5

14.36 14. 3644 44

50

11..4674 11

0.0 0. 0872

0.004 047 78

209.34 348 80'

0'.0'54 0'.0' 5478 78

18.2559

277..914 277 148 8

15.2 15 .22 233

55

14.6356

0'.0 .0''683

0.0'0'367

272..7126 272

0.0'5367

18.6335 18.633 5

297..5104 297

15.9664

60

18.6792

0'..0535 0'

0'.00 .00''283

353.583 837 7

0.05283

18.9 8.92 293

314.3432

16.60 6.60''62

65

23.8399

0.0419

0.0' 0'02 021 19

456.7980

0'.0'5219

19.16 9.161 11

328..6910 328

17.154 1541 1

70'' 70

30'.426 4264 4

0'.0'329

0.00 00''170'

588 88.5 .5285 285

0'.0 .0''5170 5170''

19.3427

340.840 340 .8409 9

17..62 17 621 12

75

38.8327

0'.0'25 258 8

0'.001 .0013 32

756.65 653 37

0.05 051 132

19.4850'

351..0721 351

18..017 18 0176 6

0.0510 0.0 5103 3

19.596 5965 5

359.6 9.64 460 60''

18.3526

80'' 80

49.561 49.56 14

0'.0' 0'2 20'2

0.00 001 10'3

971 97 1.2288

85 90

63.2544 63. 80''.730 80 .730''4

0'.0' .0'1 158 0.0124

0.0 .0''0080 0.0'0063

1245.09 1594 594..61

0.05080 0'..05063 0'

19.6 .68 838 19.7523

366.800 007 7 372..7488 372

18.6346 18..8712 18

95

103.0 03.03 347

0.0097

0.0 0. 00049

2040'.69

0'.0 0'. 0'5049

19.8059

377..6774 377

19.068 19.06 89 19..10'4 19 0'44 4 19. 9.1 1714

96

108. 08.1 1864

0'.0'0'92

0'.0'0'0' 0'4 47

2 14 143 3.73

0'..0'5047 0'

19.815 151 1

378..5555 378

98

119 11 9.275 2755 5

0.0084

0.00 00''042

2365.51

0.050 05042 42

19.8323

380.2 380 .21 139

de

serrie an se anu ual

100'

131 31..50 501 13

0.007 0076 6

0'..00 0' 000 038

2610.0 .0''3

0.050 0. 05038 38

19.8479

381 38 1.7492

19.2337

 

Tablas de factores de inter nterés és comp compue uest sto o

6

f ABL A

11

785 78 5

Flujo de efectivo discreto: Factores de interés compuesto

Pagos ún únicos

Pagos d de e se serie u un niforme

6

Gradien adiente tes s

aritm aritmét ético icos s

Cantidad

Recup Recu perac eraciión

Valor

presente

Factor de amo amorti rtizac zaciión

compuesta

de capital ital

presente

valor pr pre esente

serie anual

P IF

 l F

F /A

A IP

PI A

P IG

A IG

0.9434

1.00000

1.0000

1.06000

0.8900 0.8396

0.48544

2.0600

0.54544

0.8900

0.4854

0.31411

3.1836

0.37411

2.5692

0.28859

2.6730 3.4651

0.9612 1.4 1.42 272

0.23740

4.2124

6.9753 8.3938

0.20336 0.17914

4.9173

7.9345 11.4594

2.3304

5.5824

15.4497

2.7676

9.8975 11.4913

0.16104

6.2098

19.8416

3.1952

0.08702

0.14702

6.8017

24.5768

3.613 3.61 33

0.5584

0.07587

13.1808

0.13587

7.3601

29.6023

0.06679

14.9716

0.12679

7.8869

34.8702

4.0220 4.4213

2.01 2.0122

0.5268 0.4970

0.05928

16.8699

0.11928

8.3838

40.3369

4.8113 113

2.1329

0.4688

0.05296

0.11296

8.8527

5.1920

Valor

Cantidad compues ompuestta n

F IP

1

1.0600

2

1.1236 236

3 4

1.2625

0.7921

0.22859

4.3746

5

1.338 1.3382 2

0.7473

0.17740

5.6371

6 7

1.4185 1.5036

0.7050 0.6651

0.14336 0.1 .11 1914

8

1.5938 1.593 8

0.6274

0.10104

9

1.6895

0.5919

10

1.7908

11

1.8983

12 13

1.19 1.1910 10

0.9434 1.8334

Gradien adientte

de

4.9455

Gradiente

1. 1.8 8836 836

14

2.2609

0.4423

0.04758

18.8821 21.0151

0.10758

9.2950

45.9629 51.7128

15

2.3966 2. 3966

0.4173

0.04296

23.2760

0.10296

9.7122

57.5546

5.9260

16 17

2.5404 2.6928

0.3936 0.3714

0.03895 0.03544

25.6725 28.2129

0.09895 0.095 0954 44

10.1059 10.4773

63.4592 63.459 69.4011

6.2794 6.6240

18

2.8 2.8543

0.3503

0.03 032 236

0.3305

0.02962

0.08962

10.8276 11.1581

75.3569 81.30 .306 62

6.9597

3.0256

30.9057 33.7600

0.09236

19

5.563 5.56 35

7.2867

20

3.2071

0.3118

0.02718

36.7856

0.08718

11.4699

87.2304

7.6051

21

3.399 .3996

0.29 0.2942

0.02500

39.9927

0.08500

11.7641

93.1 .11 136

7.9151

22

3.6 3.6035 3.8197

0.2775

0.02305

43.3923

0.08305

12.0416

23

0.2618

0.02128

46.9958

0.08128

12.3034

98.9412 104.7007

8.5099

24

4.048 4.04 89

0.2470

0.01968

50.8156

0.07968

12.5504

110.3812

8.7951 8. 7951

25

0.2330

0.01823 0.01690

0.07823 0.07690

115.9732 121.4 .4684 684

9.0722

27

4.8223

0.2198 0.2074

54.8645 59.1564

12.7834

26

4.2919 4.5494

0.0 0.01 1570

63.7058

0.07570

126 126.8 .8600 600

9.6029

28

0.1956

0.01459

68.5281

0.07459

132.1420

9.856 8568 8

29

5.111 117 7 5.4 5.418 184 4

13.2105 13.406 13.40 62

0.1846

0.01358

73.6398

5.7435

0.1741

0.01265

79.0582

13.5907 13.7648

137.3096 142.3588

10.103 10.10 32

30

0.07358 0.0726 0.072 65

31 32

6.0 6.08 881 6.4534

0.1643 0.1550

0.01179 0.01100

84.8017 90.8898

0.07179 0.07100

13.9291 14.0840

147.2864 152.0901

10.5740 10.7988 10.79 88

33

6.8 6.8406

0.1462

0.01027

97.3432

0.07027

34

7.25 251 10

0.1379

0.00960

0.06960

11.0166 11.2276

7.6861

0.1301

0.00897

104.1838 111.4348

156.7 .76 681 161.31 161. 3192 92

35

14.2302 14.3681 14.4982

165 165..7427

11.4319

40

10.2857

0.0972

0.00646

154.7620

0.06646

0.0727

0.00470

212 212..7435

0.06470

50

13.7646 18.4202

185.9568 203.1096

12.3590

45

15.0463 15.4558

0.0543

0.00344

290.3359

0.06344

15.7619

217.4574

55

24.6503

0.0406

0.00254

394.1720

0.06254

15.9905

229.3 .3222 222

13. 13.7964 14. 14.3 3411

60

32.987 2.9877 7

0.0303

0.001 00188 88

53 533 3.1282

0.06188

14.79 14.7 909

44.14 44.1 450

0.00 001 139 0.00103

719.0829

0.06139

246.9450

59.0759

0.0227 0.0169

16.1614 16. 16.2891

239.0428 239.042 8

65 70

967.9322

0.06103

75

79.0569

0.0126

0.00077

1300.95

0.06077

16.3845 16.4558

253.3 .32 271 258.4527

15.1601 15.4613 15.4 613

80

105 105..7960 141.5789

0.0095

0.00057

0.06057

16.5091

262.5493

0.0071

0.00043

0.06043 0.06032

16.548 16.54 89

265.8096

16.5787

268.3946 270.4375

0.06897

13.0032

90

18 189 9.4645

0.0053

0.00032

1746..60 1746 2342.98 3 141.08

95

253.5463

0.0039

0.00024

4209.10

0.06024

16.6009

96

268 268.7590 301.9776

0.0037

0.00022

0.0033

0.00020

4462.65 5016.29

0.06022 0.06020

16.6115

85

98

16.6047

270.7909 271 271.4 .44 491

8.2166

9.3414

10.3422

13. 3.1413 1413

15.7058 15.705 8 15. 15.903 9033 16.0620 16.1891 16.2905 16.2905 16. 16.3 3081 16. 16.3 3411

de

100

339.3 339. 3021

0.0029

0.00018

5638.37

0.06018

16.6175

272 272..0471

16.3711

 

Tablas Tabl as de fact acto ore ress de interé nteréss compuesto

786

7

TAB ABL LA

12

Flujo de efectivo discreto: Fa Fact ctor ores es de int nter erés és co comp mpue uest sto o

Pag Pa gos únic nicos Cantidad compuesta n

FIP

PIF

Gradiien Grad ente tes s

Pagos de serie uniforme Factor de amortización amo

Cantidad

Recuperación

Valor

co com mpuesta

de capital

presente

Gradiente

de

arit ar itm mét étiicos Gradiente

serie anual

PIA

PIG

AlG

0.93 .934 46 1.8080

0.873 .8734 4

0.483 831 1

2.6243

2.5060

0.2952 .29523 3

3.3872

4.7947

0.9549 1.4155

AlF

FIA

AlP

1.0000 000 0

1.0000

1.070 7000 00

0.4830 48309 9

2.0700

3

1.2250

0.8 .81 163

0.31105

4

1.3108

0.7629

0.22523

3.2 .21 149 4.4399

0.55309 0.553 0.38 .381 105

5

1.4026

0.71 0.7 130

0.17 173 389

5.7507

0.24389

4.1002

7.6467

1.8650

6

1.50 500 07

0.6663 0.6 663

0.1 .139 3980 80

7.15 .1533 33

0.20 2098 980 0

4.7665 4. 7665

10.978 10 .9784 4

2.3032

7

1.60 6058 58

0.62 6227 27

0.11 0.1 1555

8.6540

14.7149

2.7304

8

1.7182

0.582 0.58 20

0.09747

5.97 .971 13

18.7889

3.14 1465 65

9 10

1.8385

0.543 0.5 439 9 0.5083 0.475 4751 1

0.08349

10.25 10.2 598 11..9780 11

0.18555 0.18 0.16747

5.3893

0.15 153 349

6.5152

23.140 1404 4

3.5 .551 517 7

0.072 .0723 38

13.8164

0.14238

7.0236 7.4987

27.7156 32.4665

4.3 4. 3296

37.35 3506 06

4.70 7025 25

1.1449

1.9672

3.946 .9461 1

11

2.1049

0.06336 0.06 336

15..7836 15

0.13336 0.1 3336

12

0.444 4440 0

0.05590

17.888 885 5

0.12590

13

2.2522 2.409 4098 8

0.4150

20..1406 20

0.11 11965 965

14

2.57 578 85

22.5505

0.11 1143 434 4

8.7455

42.3302 42.330 47..3718 47

5.0648 5.0 5.4167

15

2.7590

0.3878 0.38 0.36 362 24

0.04 04965 965 0.04 0.0 4434

7.9427 7.9 8.3577

0.0397 0.039 79

25.1290

0.1 .109 097 79

9.1 9. 1079

52.4461 52.446 1

5.7583

16 17

2.9522 3.15 .1588 88

0.3387 0.3387 0.31 3166 66

0.03586 0.03 0.03243

27.888 27. 881 1 30.840 0.8402 2

0.10586 0.1024 10243 3

9.44 4466 66 9.7632

6.0897 6.0 6.4110

18

3.3799

0.2959

0.02 0294 941 1

0.0994 09941 1

10.059 10 .0591 1

19

3.6165 3.8697

0.2765 0.25 258 84

0.02675

33.9990 33. 37.3790

57.5271 57.5 62..59 62 5923 23 67..6219 67

0.09675

10.3356

40.9955

0.09439 0. 09439

10.5940 10 .5940

72.5991 77..5091 77

7.0242

0.02439

21 22

4.1 4. 1406

0.24 0.2 415

0.02229 0.0222 9

10.8 10. 835 355 5

82..33 82 3393 93

7.59 .599 90

0.22 0.2 257

0.02041

0.09041

4.7405

0.2 0. 210 109 9

0.0187 871 1

0.0 .088 887 71

11.0612 11. 11..2722 11

87.07 .079 93 91.7201

7.8725

23

44.8652 44. 49.0057 53.436 361 1

0.09229

4.4 .43 304

24

5.0724 5.4274

0.1971

0.01719

96.25 96.2 545

8.136 369 9 8.3923

0.01581

0.08 .087 719 0.08581

11..4693 11

0.1 0. 1842

58.1767 63.2490

100.6765

8.639 .6391 1

0.1722 0. 1722

68.6765 68.6 765 74..48 74 4838 38

104.98 10 4.9814 14

0.1609 0.160 9

0.01456 0.013 0.01 343

0.0845 456 6

27

5.807 5.8 074 4 6.21 6. 2139 39

11.6536 11. 11..8258 11

0.08343 0.08 343

11..986 11 9867 7

109. 10 9.1 1656

28 29

6.6488 7.11 7. 114 43

0.1504

0.0 0. 01239

80.6977

0.08 082 239

12.137 371 1

113 11 3.22 .226 64

8.8773 9.1 9. 107 072 2 9.3289

0.1 0. 140 406 6

0.01 .011 145

9.5427

0.1 .13 314

0.01059

0.08059

12.2777 12.409 4090 0

117. 7.16 162 22

7.6123

87.3465 94.460 94. 608 8

0.08145

30

120 20..9718

9.7487

31 32

8.1 .1451 451 8.715 .7153 3

0.1228 0.1228 0.11 0. 114 47

0.00980 0.00980 0.00907

102.0730 102.073 0 110. 0.2 2182

0.07980 0.0798 0 0.07 079 907

12.5318 12.5318 12.6 .64 466

33

9.325 3253 3

0.10 1072 72

0.008 .00841 41

118 11 8.9334

0.078 0. 07841 41

12.75 2.7538 38

124. 4.6 6550 128 28..212 2120 0 131 13 1.6435

9.94 9. 947 71 10.138 10.1 381 1 10.32 321 19

34

9.978 9.97 81

0.1002

0.00780

128 28..25 258 88

12. 2.8 8540

134.9 4.95 507

10.49 498 87

35

10..6766 10

0.0937

0.00723

138 38..2369

0.07780 0.07723

12.9477

138. 38.1 1353

40

0.0668 0.06 68

0.005 0.00 501

13.331 3317 7

152.29 .2928 28

10.6687 11..42 11 4233 33

0.047 0476 6

0.003 0035 50

0.0735 0.07 350 0

13.6 13. 6055

163 63.7559 .7559

12.0360

50

29..45 29 4570 70

0.03 0.0 339

0.07246

13.800 007 7

172.9051 172.90 51

12. 2.5 528 287 7

55

41.3150

0.0242

0.002 0.00 246 0.001 0.0 017 74

199.635 351 1 285 85..74 7493 93 406 06..5289

0.075 7501 01

45

14.9745 21..00 21 002 25

575.9286

0.07 071 174

13.9399

180..1243 180

12.9215

60

0.01 0173 73

0.001 00123 23

813.5204

0.07123

14.0392

185.7677

65

57.9464 81.2729

0.01 0123 23

0.0008 0.00 087 7

0.0708 0.070 87

14. 4.1 1099

190 19 0.1452

70

113.9894 113. 9894

0.0088 0.00 88

0.0006 0.000 62

1146.76 1614.13 1614.1

13.2321 13.47 4760 60

0.0706 0.070 62

14..1604 14

193. 93.5 5185

13.66 .6662 62

75

159 59..8760

0.00 0063 63

0.000 0.00 044

14. 4.1 196 964 4

196. 96.1 103 035 5

0.00 004 45

0.00031

0.0703 0. 07031 1

14..2220 14

198.0748

13.8136 13.927 9273 3

85

224.2344 224. 314..5003 314

2269.66 3189 89..06

0.0704 0.07 044 4

80

0.0032

0.00022

4478.58 4478.5 8

0.0702 .07022 2

14.2403

199.57 99.571 17

14.0146

90

441..103 441 030 0

0.00 0023 23

0.000 0.00 016

6287 87.1 .19 9

0.07 0.0 7016

14.2533 14 .2533

14..0812 14

95

618.6697 618.6697 661 66 1.9766

0.0016 0.001 6 0.0015

0.00011 0.00011

8823. 823.8 85 944 442 2.52

0.07011

96

Om01 Om0 11

14.262 626 6 14.264 2641 1

200.7042 200.7 201 20 1.5581 201.7016

98

757 75 7.8970

0.0013

0.00009

10 81 813 3

0.07 0.0 7009

14.2669 14 .2669

201 20 1.9651

14.1562

20

25 26

de

valor presente

0.9346 0.873 0.87 34

1 2

1.0700

Valor presente

7

6.72 722 25 7.3163

14.1319 14.1319 14.1405

100

867.7163

0.0012

0.00008

12 382

0.07008 0. 07008

14.2693 14 .2693

202.2001 202.200 1

14. 4.1 1703

 

Tablass de factore Tabla actoress de in inte teré réss co compue mpuessto

8

TABLA TA BLA

13

Flujo de efectivo discreto screto:: Factores de inte teré réss co comp mpue uessto

Pago Pag os únicos Cantiidad Cant

Valorr Valo

787 78 7

Pagos de serie unifo forrme

8

Gradientes

Factor de

Cantidad

Recuperación

Valor

amortiización amort

comp mpu ues estta

de ca capital

presente

valor presente

F IA

A /P

P IA

PI G

1.0000 2.0800 2.0 3.2464

1.08000 0.56077

0.9259 1.7833 2.577 5771 1

Gradiente

de

aritméticos Gradiente

compuesta

pres ese ente

n

FI P

PI F

I 2

1.080 800 0 1.166 1664 4

0.9259 0.9259 0.8 .85 573

1.00000 0.48 4807 077 7

3 4

1.2597

0.7938 0.7350

0.3 .30 0803 0.22192

4.5061

0.38803 0.3880 0.301 0.30 192

5 6

1.4693 1.5869

0.6806

0.17046

5.8666

0.25046

3.9927

0.13632

1.7138

7.3359 8.9228

0.21632

7

0.6302 0.5835

4.6229 5.2064

8

1.8509

0.5403

9 10

1.9990

0.08 .0800 008 8

0.16 1600 008 8

6.2469

2.15 2. 1589 89

0.500 0.5 002 2 0.46 4632 32

10.6366 12.487 876 6

0.06903

14..4866 14

0.14903

3.87 871 13

2.33 .331 16

0.42 4289 89

0.06008

16.6455

0.14008

6.7101 7.139 390 0

25.9768

11

30.265 30.2 657 7

4.239 395 5

12

2.5182

0.3971

0.05270

7.5361

34.6339

2.719 2.7 196 6 2.9 2. 9372

0.3677 0.340 405 5

0.04652 0.0 .04 4130

18.977 9771 1 21.4953 21.

0.13270

13

0.126 0.1 2652 52

15 16

3.1 3. 1722

0.3152

27.1 27. 152 521 1

8.5595

47.885 47.88 57

5.5945

3.4259

0.29 291 19

0.03683 0.03 0.03 0329 298 8

0.1213 2130 0 0.11 0. 116 683

39.0463 43..47 43 472 23

4.5957 4.9 4. 9402

24. 4.2 2149

7.9038 7.90 8.2 8. 2442

30.3243

0.11 0. 112 298

8.8514

3.7000

0.27 270 03

0.02963

18

3.9960 4.3157 4.31

0.2502

0.02670 0.0241 0.024 13

33.7502 37..4502 37

0.10963 0.1 0. 1067 0670 0

9.1216 9.371 9.37 19

52.2640 56..5883 56

5.9046

17

60.8426

6.2037 6.4920

41.4463

0.104 041 13

9.6036

65.0134

6.7697

45.7620 50..422 50 4229 9

0.10185

9.8181 10.0 0.01 168

69.0898

7.0369

0.01983 0.019 83

0.098 .0980 03

73.0629 73.0 76.925 76.92 57

7.2940 7.541 7. 5412 2

80. 0.67 672 26

7.7786

84.2997 84.299 7 87..8041 87 91..1842 91

8.006 0066 6 8.22 2254 54 8.4352

94.4390

8.6363 8.8289

14

19 20 21

1.3605

4.6610

0.2317 0.2145

 

F

0.11207 0.11 0.0940 0.09 401 1

0.021 218 85

0.19207 0.1 0.174 7401 01

5.7466

4.6501 4.6501 7.3724 10.5233 14.0242 17.806 .8061 1 21..8081 21

serie anual

 

G

0.48 480 08 0.9487 0.94 1.4040 1.8465 2.276 2763 3 2.6937 3.0985 3.098 3.49 491 10

5.273 5. 2731 1

0.1987

22

5.0338 5.4365

0.1 0. 1839

0.0180 01803 3

55..4568 55

23

5.8715

0.1703

0.01642

0.096 964 42

10.200 10.20 07 1O.37 1O .3711 11

24

6.3 6. 3412

0.1 0. 1577

0.01498

60. 0.8 8933 66.7648

0.09498

10.5288 10.52 88

25

6.8485

0.1460

0.01368

73.1 73. 1059

10.6 10 .674 748 8

26

7.396 7. 3964 4 7.9881 8.6271

0.01251 0.01145

79.954 79.95 44

27 28

0.1352 0.1252

0.09368 0.093 0.092 925 51

87..35 87 350 08

0.0 .09 914 145 5

0.11 1159 59

0.01049

95..3388 95

0.09049

10.9352 11.0511

29

9.3173 10.0627

0.1 0. 107 073 3

0.00 0.0 0962

103.96 965 59

0.08962

11.1584

0.0994

0.00883 0.00811 0.00745

0.08883 0.08811 0.088 11

32

0.0920 0.0852

1I3 1I 3.283 2832 2 123 23..3459

11.2578

10.8677 11.737 7371 1

134.2 34.21 135

0.08745

11.349 11. 498 8 11..4350 11

33 34

12.6760 13.690 3.6901 1

0.0789

0.0068 685 5

145 45..9506

0.0868 08685 5

11..51 11 5139 39

0.073 730 0

0.0 0. 00630

0.0863 8630 0

0.0676

0.00580

0.08 0. 08580 580

116 11 6.0 .0920 920

9.96 .9611 11

40

14.7853 14. 21..72 21 724 45

11.5869 11.5869 11..6546 11

113 13..7924

35

158.62 626 67 172 72..316 168 8

9.6737 9.673 9.8208

0.0460

0.00386

259.0565

0.08 0.0 8386

11..9246 11

126.0422

45

31.9204

12.2 2.233 335 5

133.73 133. 733 31 139 39..59 592 28

10.5699 11..0447 11

573.7702

0.08259 0.08174

12..10 12 108 84

46.901 .9016 6

0.00259 0.00174

386.5056 38 6.5056

50

0.031 0313 3 0.021 0213 3

55

68.9 .91 139 101..257 101 2571 1

0.01 0145 45

0.00118 0.001 18

848.9232

0.081 811 18

12.3186

144 14 4.0065

11..6902 11

0.00 0099 99

0.00 000 080

0.0067

0.00054

125 253 3.21 I 847.2 847.25 5

0.08080 0.0805 .08054 4

12.3766 12.4160

0.0 .00 046

0.00037

2720.0 2720. 08

0.08037

75

218.6064 321 32 1.204 2045 5

0.003 0031 1

4002.56

0.0802 08025 5

152 15 2.84 844 48

80

471 47 1.9548

0.0 .002 021 1

0.0002 .00025 5 0.0 0. 0001 017 7

12.4428 12.461 4611 1

147.3 47.3000 000 149 49.7 .7387 387 151..5326 151

11..90 11 901 15

148.7798

5886.94

0.080 801 17

12.4735

153.800 8001 1

12.2658 12.3301

85 90

693 93..456 4565 5 1018.92 101 8.92

0.001 0014 4 0.0010 0.001 0

0.0001 0.00 012 2 0.0000 00008 8

8655..71 8655 127 272 24

12.4820 12.4877

154.4925 154.99 15 4.9925 25

95

1497. 497.1 12

0.0007

0.00005

187 870 02

0.08012 0.080 0.0800 008 8 0.080 8005 05

12..49 12 491 17

6 98

1616 161 6.8 .89 9

0.0006 0.000 6

0.00005 0.00004

20199

0.08005

12..4923 12

155.3524 155.3 524 155..411 155 4112 2

0.08004

12.493 934 4

155.5 155. 517 176 6

30 31

60 65 70

1 885 85..94

0.0005 0. 0005

23562

0.09983

3.3121

0.8573 2.4450

10.8 .8100 100

97.5687 100.5738 103 03..45 455 58

de

9.0133 9.1897

106.21 106.2 163

9.35 358 84

108.8 108. 8575 111..3819 111

9.5197

11..410 11 4107 7

12.0602 12..178 12 783 3

12.3772 12.4116 12.4365 12.440 4406 6 12..44 12 448 80

LO O

2 199 99.76 .76

0.0005

0.00004

27485

12..4943 12

0.08004

155.6 155. 6107

12.4545

 

Tablas de factores de interés compuesto

788

9

TABLA 14

Flujo de efecti,vo discreto: Factores de interés compuest sto o

Pa Pago gos s únic únicos os

Pagos de seri serie e unifo iforme rme

Gr Grad adie iente ntes s

9 aritm aritméti ético cos s

Canttidad Can

Valor

Factor de

Cantidad

Recuperació ación n

Valor

Gradiente de

compuesta

presente

amortización

compuesta

de capital

presente

valor prese resent nte e

se seri rie e anua anuall

PIG

 lG

0.4785

n

FIP

PIF

 lF

1 2

1.0900 1.188 .1881 1

0.9174 0.8417

1.00000 0.47847

F

1.0000 2.0900

lP

1.09000

P

0.9174 1.7591

Gradiente

3

1.2 1.29 950

0.7722

0.30505

3.2781

0.56847 0.39505

2.5313

0.8417 2.3860

4

1.4116

0.7084

0.21867

4.5731

0.30867

3.2397

4.5 4.51 113

5

1.5386 1.5386

0.6499

6

0.5963 0.596 3

5.9847 7.5233

0.25709

1.6771

0.16709 0.13 .132 292

0.22292

3.8897 4.4 4.48 859

7. 7.11 1110 10 10.0924

7

1.8280

0.5470

0.10869

0.19869

5.0330

13.3746

2.2498 2.6574

8

1.99 1.9926 26

0.09067

0.18067

5.5348

9 10

2.171 .1719 9 2.36 367 74

0.5019 0.4604

9.2004 11.0285

0.07680

13.0210

0.16680

16.8877 20.5711

3.0512 3.4312

0.4224

0.06582

15.1929

0.15582

5.9952 6.4177

11

2.5804

0.3875

0.05695

17.5603

0.14695

6.8052

12

2.8 2.81 127

0.3555

0.04965

20.1407

0.13965

13

3.0658

0.3262

0.04357

22 22..9534

0.13357

7.1607 7.4869

14

3.3417

0.2992

0.03843

26.0192

0.12843

15

3.64 .6425

0.2745

0.03406

29 29..3609

0. 0.1 12406

16

3.970 703 3 4.32 4.327 76

0.2519

0.03030

33.0034

0.1203 0.120 30

0.02705

36.9737 41.3013

0.11705 0.11421 0.11173

24.3728 28.2481

3.7978

32. 32.1 1590 36.073 36.07 31

4.8182

7.7862

39.9633

8.0607

5.132 1326 6 5.4346

8.3126

43.8069 47.58 47.5 849

8.5436

51.2821

6.0024

8.7556

54 54..8860

6.268 687 7

8.9501

58.3868 61.7770

6.5236

65.0509

7.0006

68.2048 71.2359

7.2232 7.4357

4.7171

0.2311 0.2120

19

5.14 .141 17

0.1945

0.02173

20 21

5.6044 5.6 6.10 .108 88

0.1784

0.01955

46.0185 51.1601

0.1 0.1637

0.01762

56.7645

0.1 .10 0955 0.10762

22

6.658 .6586 6

0.1502

0.01590

62.8733

0.1 .105 059 90

9.1285 9.2922 9.4424

23

7.2 7.257 579 9

0.1378

0.01438

69.5319

0.10438

9.5802

24

7.9 .9111 111 8.6231

0.1264

0.01302

76.7898

0.10302

9.7066

0.1160

0.01181

84.7009

0.10181

9.8226

74.1433 76.9265

25

1.8282

4.1510 4.4910

17 18

0.02421

0.9426 1.3925

5.7245

6.7674

7.6384

26

9.3992

0.1064

Om072

93.3240

0.1 .10 0072

9.9290

79.5863

7.8 7.83 316 8.015 .0156 6

27

0.0976

0.009 0.00 973

102.7231

0.09973

10.0266

82.1241

8.1906

28

10.2 0.2451 lJ.1 lJ.16 671

0.0895

0.00885

112.9682

0.09885

10.1161

84.541 419 9

8.3571

29

12.1722

0.0822

0.00806

124.1354

0.09806

10.1983

86.84 842 22

8.5154

30 31

13.2 13 .267 677 7 14.46 461 18

0.0754 0.0691

0.00734 0.00669

136.3075 149.5752

0.09734 0.09669

89.0280 91.1024 91.102

8.6657 8.8083

32

15.7633 .7633

0.0634

0.00610

164 164..0370

0.09610

10.2737 10.3428 10.4062

93.0690

8.9436

33

17.182 .1820

0.0582

0.00556

179.8003

0.09556

10.4644

94.9314

9.0718

34

18.728 .7284 4 20.4 0.4140

0.0534

0.00508

196.9823

0.09508 0.0950 8

10.5178

96.6935

9.1933

35

0.0490

0.00464

215.7108

0.09464

10.5668

98.3590

9.3083

40

31.4 1.4094

337.8824

0.09296

10.7574

48.32 327 73

0.0 0.03 318 0.0207

0.00296

45

0.00190

525.85 858 87

0.09190

10.8812

105.3762 110.5 110. 5561

50

74.3575 74 .3575 114 114.4083

0.0134

0.00123

815.0 15.08 836

0.09123

114.3251

0.0087

0.00079

1260.09

0.09079

10.9617 11.0140

10.1603 10.4295

117.0362

10.6261

11 118 8.9683

10.7683 10.8702

55

9.7957

60

176.0313

0.0057

1944.79

0.09051

65

270.8460

0.0037

0.00051 0.00033

11.0480

2998.29

0.09033 0.0903 3

11.0701

70

0.0024

0.00022

4619.22

0.09022

11.0844

75

416.7301 641.1909

120.3344 121.2942

0.0016

0.00014

7113.23

0.09014

11.0938

121.9646

80

986.5517

0.0010

0.00009

10951

0.09009

11.0998

122.4306

10.9940 11.0299

85 90

1517.93 2335.53 2335.5 3

0.0007 0.0004

0.00006 0.00004

16855 25939

0.09006 0.09004

11.1038 11.1064

122.7533 122.9758

11.0551 11.0726

95

3593 593.50

0.0003

39917

0.0900 09003 3

11.108 11.10 80

123.1287

11.0847

96

3916 916..91

0.0003

0.00003 0.00002

43510

0.0 0.09 9002

11.1083

123.1529

11.0866 11.086 6

10.94 10.9 427

de

98

465 4653 3.68 .68

0.0002

0.00002

51696

0.09002

11.1087

123.1963

11.0900

100

5529.04

0.0002

0.00002

61423

0.09002 0.0900 2

11.1091

123.2335

11.0930

 

Tablas de factores de interés compuesto

10

TAB ABL LA

15

Flujo de efectivo discreto: Fac acttore ress de in inte teré réss co com mpues esto to

Pagos gos únicos Can Ca ntidad

Pago gos s de serie un uniforme Cantiidad Cant

Recuperación

Valor

compue compu est sta a

de capital

presente

valor presente

seri se rie e an anua uall

F 

lP

PI

PIG

lG

0.8264

0.47 4762 62

2.329 .3291 1 4.3781 4.378 1

0.9366 1.38 381 12

6.86 861 18

1.8101

9.6842 12.763 .7631 1

2.2236

presente sente PIF

1

1.1000

1.0000

1.10000

1.2100 1.33 331 10

0.90 909 91 0.8264

1.00000

2

0.47619

2.1 2. 1000

1.464 4641 1

0.75 .751 13 0.683 0. 6830 0

0.30211 0.21547

3.3100 3.3 100 4.6410

0.57619 0.40211

5

1.6105

0.6209

0.16 1638 380 0

6.10 105 51

6

1.7716

0.5645 0.5 645

0.129 0.12 961

7

1.9487

0.10541

7.7156 9.4872

8

2.14 2. 1436 36

0.51 5132 32 0.466 4665 5

0.08 0.0 874 744 4

11..4359 11

9 10

2.3579 2.35 2.59 593 37

0.4241

0.0736 07364 4 0.06275

13.5795 15.9374

11

0.3505 0.3186

0.05396 0.04676

18.53 531 12 21. 1.3843 3843

13

2.8531 3.1384 3.452 4523 3

0.289 0.2 897 7

0.04078

24.5227

14

3.7975

0.26 2633 33

0.0357 0.035 75

15 16 17

4.177 1772 2 4.5 .595 950 0

0.239 .2394 4 0.2 0. 2176

5.0545 5.0 545

0.1978 0.1 978

0.03147 0.03147 0.02782 0.02466

18

5.55 559 99 6.]]59

0.1 0. 1799

0.0219 02193 3

0.163 635 5 0.14 1486 86

0.01955

40.5 .544 447 7 45.5992 51..1591 51

0.0174 0.017 46

0.13 0.1 351

20 21 22

6.72 727 75 7.4002 8.1 8. 1403

lF

4.8684

0.18744 0.18 0.17 173 364

5.33 .3349 49

0.16275 0.15396

6.1446 6.4951

22.8 .89 913

3.7255

26.3963

4.0641

0.14676

6.8137 6.8 7.1034

29.9012 33.3772

4.38 3884 84

0.14078

27.9750

0.13 135 575

7.36 366 67

36.8 36. 8005

4.6 .69 988 4.9 .9955 955

31.7725 35.9497

0.13147 0.1278 2782 2 0.12466

7.6061 7.82 7.8 237

40.1520 43..416 43 4164 4

5.2789 5.5493

8.021 8.02 16

46. 6.5 5819

5.8071

0.12193

8.2014 8.201 4 8.3649

57.2750

0.11746

8.51 8. 513 36

49.63 9.639 95 52. 2.5 582 827 7 55..4069 55

6.0526

0.11955

0.01562 0.01562 0.01401

64.0025 64. 71.4027

0.11562

8.6487 8.6 8.77 7715 15

58.1095

6.7189

60.68 60.6 893

6.91 9189 89

79.5430 79. 88..49 88 497 73

8.8832

63.1462 65..4813 65

7.10 108 85

0.0923

0.01257 0.01130 0.Ql017

109.1818 121..0999 121

0.3 0. 3855

0.1228 0.12 28 0.1117

9.8497 10.8347 11..9182 11

0.1 0. 1015 0.0839

0.00916

13. 3.1 1100 14.4210

0.0763

0.00826

28

0.0693

29

15.863 15.8 631 1

0.063 630 0

0.00745 0.00673

30 31

0.0573 0.052 0.05 21

32

17..4494 17 19.1943 19. 21.11 1138 38

33 34 35

8.9847 9.0 9. 0770

0.10916

9.1609

0.10826 0.10 1074 745 5

9.2372

134.2099 148. 48.6 6309

0.1067 0.106 73

0.0060 00608 8 0.00550

164.4940 181.94 9434 34

0.0474

0.00497

23.2252

0.04 043 31

25.5477

0.0391

28.1024

0.0356 0.0221 0.022 1

45.2593 72.8905

50

117. 11 7.3909 3909

55

189. 89.0591 0591 304..4816 304

60 65 70

0.11401 0.11257

5.7590 5. 7590

0.11130 0.11130 0.11017

40 45

490.3707

75

789.7470 1271 71..90

80

2048 204 8.40

85 90

Gradiente

0.20541

8.9543

27

2.486 4869 9

de

0.2638 .26380 0 0.22 229 961

24 26

0.315 1547 47

0.9091 1.73 7355 55

Gradiente

3.169 3.1 699 9 3.7908 4.3553

23 25

aritméticos

Factor de

FIP

19

Gradientes

amortizaciión amortizac

compuesta

12

10

Valor

n

3 4

789 78 9

16.02 028 87 19..4215 19

2.62 621 16 3.004 .0045 5 3.3724 3.372 4

6.2861 6.286 1 6.50 508 81

67.6964

7.28 288 81 7.45 458 80

69.7940 71..7773 71

7.6186 7.61 7.77 .7704 04 7.91 7.9 137

9.36 9.3 696

73. 3.64 649 95 75..41 75 414 46

0.10 .1060 608 8 0.10550

9.4269 9.4790

77.0766 77.0 78.6 78 .639 395 5

201 01..1378

0.10497

9.5264

0.00450 0.0040 00407 7

222.2515 245..476 245 4767 7

0.10450

9.56 569 94

80.107 0.1078 8 81.4856

8.1762 8.1 8.2962 8.40 409 91

0.1 0. 10407

9.60 .608 86

82.7773

8.6149

0.00369

271..0244 271

83.9872

8.708 8. 7086 6

9.7791

0.0137

0.0 .00226 0226 0.00139

0.10369 0.10226

9.6442

442.5 442 .59 926 718.9048

0.10139

9.8628

88.9525 92.4544 92.

9.0962 9.3740

0.00 008 85 0.0053 0.005 3

0.00086 0.00053

1163 63..91 1 88 880 0.59

0.10086

9.9 9. 9148

94.8889

9.5704

0.1 0. 10053

9.947 9471 1

96.5619

0.0033 0.003 3

0.00033 0.00020

9.7075 9.7 9.802 023 3

0.0020 0.0013 0.001 3

0.00013

98.3471

9.3066

8.0 .0489 489

8.515 8. 5152 2

3034.82

0.10033

9.9672

4893.71 489 7887 788 7.47

0.10020 0.100 0.10 013

9.9796

97.7010 98.4705

9.9873

98. 8.9 9870

9.911 113 3

0.10008

99.33 99 .331 17

9.9410

9.86 .867 72

0.000 0008 8

0.00008 0.00005

0.10005

9.9921 9.9921 9.9951 9.9 951

0.00003

32980

0.10003

9.9970

99. 9.5606 5606 99.7120

9.96 .960 09

3298. 8.97 97

0.0005 0.0003

12709 127 20474

5313.02

0.0002

0.00002

53120

0.10002

9.99 998 81

99.8118 99.811 8

9.983 831 1

9.974 9742 2

de

95

8556.68

0.0001

0.00001

85557

0.10001

9.9988

99.8773

9.9889

96

9412.34 11389

0.0001

0.00001

9411 941 13

0.10001

99.8874

0.0001

0.00001

0.10001

9.9989 9.999 .9991 1

9.9898 9.99 991 14

13 781

0.0001

0.00001

0.10001

9.9993 9.999 3

98 100

99.9052 99..9202 99

9.9927

 

Tabl Ta blaas de factores de in intterés compuesto

79

11

TA8LA

16

Flujo de efectivo discreto: Factores de interés compuesto

Pago Pagos s úni únicos Cantidad compu mpues estta n

Valor presente

Pagos de serie u un niforme Fac acttor de am amo ortiz rtizaci ación ón

FIP

PIF

AlF

I

1.1 .1100 100

0.9009

1.00000

2

1.232 2321 1

0.8 .81 116

3

1.36 1.3676 76

4 5

Cantidad

Recup ecupe eració ración n

compuesta

de capit apital

11

Gradi radien ente tes s Valor presente

Gradiente

de

ari aritmé tméti ticos cos Gradiente

serrie anual se

PIG

Al AlG G

AlP

PI PIA A

1.0000

1.11000

0.9009 0.900 9

0.47 47393 393

2.1100

0.583 8393 93

1.7 1.7125

0.8116

0.473 739 9

0.73 .731 12

0.2 0. 29921

3.3421 3.3 421

0.40921

2.44 4437 37

2.2740

0.9306

1.5181

0.65 0.6 587

0.21 0.2 1233

4.7097

0.32233

3.1024

4.2502

1.3700 1.3700

1.6851 1.6851

0.5935 0.593 5

0. 0.1 16057

6.227 2278 8

0.27057

3.6959

6.6240

1.7 1.7923

6

1.8704

0.5346

0.12638

7.9129

0.23638

4.2305

9.2972

2.1976

7

2.0762 2.076 2

0.481 4817 7

0.1 0. 10222

9.78 9.7 833

0.21222

4.7122

12..1872 12

2.5 .58 863

FA

de

valor prese resente

8

2.3 2. 3045

0.433 339 9

0.08 0.0 8432

11.8 .85 594

0.19 1943 432 2

5.146 461 1

15.22 5.2246 46

2.9585

9

2.55 .558 80

0.39 3909 09

0.07 0.0 7060

14.1 14. 1640

0.1 0. 18060

5.5370

18..3520 18

3.314 144 4

10

2.8394

0.3 .3522 522

0.05980

16.7 16 .7220 220

0.16980

5.8892 5.8892

21.521 5217 7

3.6544

11

3.1518

0.3173

0.0 0.05 5112

19.5 9.561 614 4

0.161 0.16 112

6.206 065 5

24.6 4.6945

3.9788

12

3.4985

0.2858

0. 0.0 04403

22.7132

0.15403

6.4924

27.8388

4.2879

13

3.8833

0.2575

0.038 0381 15

26.2116

0.148 .1481 15

6.7 .74 499

30.9290

4.5822

14

4.3104

0.232 0. 2320 0

0.03323

30.0949

0.143 4323 23

6.98 981 19

33.94 3.944 49

4.861 4.8 619 9

15 16

4.7 .78 846 5.3109

0.20 209 90 0.188 883 3

0.02907 0.02 0.02552

34.4054 39.1899

0.13907 0.1 0. 13552

7.1909 7.37 379 92

36. 6.8 8709

5.1275

39.6953

5.3794

17

5.8951 5.895 1

0.1 0. 1696

0. 0.02247 02247

44.5008 .5008

0.13247

7.5488 7.5488

42.40 42 .4095 95

5.6180

18

6.5436

0.1528

0.01984

50..3959 50

0.1 0. 12984

7.70 7.701 16

45.0 45 .00 074

5.8439

19

7.2633

0.1 .13 377

0.01756

56.9395

0.12756

7.8393

47.4 47 .4856 856

6.0574

20

8.06 .062 23

0.1 0. 1240

0.01 0.0 1558

64..202 64 2028 8

0.12558

7.9633

49..8423 49

6.2590

21

8.9492

0.1117 1117

0.01384

72..265 72 651 1

0.123 0.12 384

8.0751

52.077 0771 1

6.44 6.4 491

22

9.9336

0.1007

0.01231

81. 1.2 2143

0.1223 12231 1

8.1757

54.19 .1912

6.6283

23

11..0263 11

0.090 0907 7

Om 9

91.1 1.1479 479

0.12 .12097

8.2664

56.1864

6.7969

24

12..2392 12

0.08 0.0817 17

0.009 0.00979

102 02.174 .1742 2

0.119 11979

8.3481

58.0656

6.9555 555

25

13.5855

0.0736

0.00874

114.4 114 .413 133 3

0.11874

8.42 421 17

59..8322 59

7.1045 .1045

26

15.0799

0.0663

0.00781

127 27..998 9988 8

0.1 0. 1178 781 1

8.48 488 81

61..4900 61

7.2443

27

16.738 16.73 86

0.0597

0.00699

143.0786

0.11699

8.54 5478 78

63..0433 63

7.3754

28

18.5799

0.0538

0.00626

159.8173

0.11626

8.6016

64.4965

7.49 .4982 82

29

20.6237

0.0485

0.00 005 561

178.3972

0.11561

8.6501

65.8542

7.6131

30

22.8923

0.0437

0.00502 0.0050 2

199.020 0209 9

0.115 0.11502

8.6938

67.12 7.1210

7.7206 7206

31

25.4 5.4104

0.0394

0.0 0.00451 0451

221. 22 1.9 9132

0.11 0.1 145 451 1

8.7331

68.30 301 16

7.8210

32

28.2056

0.0355

0.00404

247.3236

0.11404

8.76 768 86

69..4007 69

7.9147

33

31..30 31 308 82

0.0319

0.00363

275.5292

0.11363

8.8005

70..422 70 4228 8

8.002 .0021 1

34

34.7521

0.0288

0.00326

306.8374

0.11326

8.82 829 93

71..3724 71

8.08 .083 36

35

38.5749

0.0259

0.00293

341.5 34 1.5896 896

0.11293

8.8552

72.2538

8.1594

40

65..0009 65

0.0 .01 154

0.00172

581. 58 1.8 8261

0.1 .11 1172

8.9511

75.7789

8.4659 .4659

45

109.5302

0.0091

0.001 .0010 01

986.6386

0.11101

9.0079

78.1551

8.6763

50

184.5648

0.0054

0.00060

1668.77

0.11060

9.041 9.04 17

79.7341

8.8185

55

311.0 31 1.0025 025

0.00 003 32

0.00035

2818.20

0.11035

9.061 9.06 17

80..7712 80

8.9 .91 135

60

524.0572

0.00 001 19

0.00021

4755.07

0.11021 11021

9.0736

81..446 81 4461 1

8.9762 8. 9762 9.01 9. 0172 72

65

883.0669

0.001 0.00 11

0.00012

8018.79

0.11012 1012

9.0806

81.8819 1.8819

70

1488.02

0.0007

0.000 00007 07

13518 518

0. 0.1 11007

9.0848

82.1 82 .161 614 4

9.04 9. 0438 38

75

250 25 07.40

0.0004

0.000 0000 04

227 22 785

0.110 100 04

9.0873

82.33 .3397

9.0610

80

4225.11 4225. 11

0.0002

0.00003

38401

0.1 0. 110 100 03

9.0888 9.0888

82..4529 82

9.0 9. 0720

85

7119.56

0.000 0001 1

0.00002

64 714

0.11002 11002

9.08 9.0 896

82.5245

9.0790

 

Tablas de fa factore ctoress de in intterés co com mpu pues estto

12

TABL BLA A

17

791 79 1

Flujo de efectivo discreto: Factores de interés compuesto

Pago Pa gos s ún únic icos os

Pagos de serie unif ifo orme

12

Gradientes

aritméticos

Fact ctor or de

Cantidad

Rec ecu upera erac ción

comp mpues uesta ta

presen esentte

amortiz iza ación

compues ompuestta

de capi pittal

presente

vallor presente va

ser erie ie anu nual al

n

FIP

PIF

 lF

FI

lP

PI

PIG

lG

Canttida Can dad d

Valor

Valo alorr

Gradiente

de

Gradie adien nte

1

1.1200

0.8929

1.00000

1.00 0000 00

1.12000

2

1.2544

0.7972

0.47170

2.1200 3.3744

0.59 591 170

0.8929 1.6901

0.7972

0.47 471 17

0.41635

2.40 401 18

2.2208

4.77 779 93 6.352 528 8

0.32923

4.1273 6.3970

0.9246 1.3589

8.1 8. 1152

3

1.4049

0.7118

0.29635

4

1.57 5735 35

0.6355

0.20923

5

1.76 7623 23

0.56 0. 567 74

0.15 0. 157 741

6 7

1.9738

0.5066 0.5066 0.4523

0.12323 0.099 0991 12

0.2432 .24323 3

3.0373 3.604 6048 8 4.11 111 14

10. 0.0 089 890 0

0.219 2191 12

4.5 4. 5638

8.9 .93 302 11.6443 11.

2.1 2. 1720 2.55 551 12

0.4039

0.08130 0. 08130

12.29 2.299 97

4.9676

14.47 471 14

2.9131

14.77 4.775 57

0.20130 0.201 0.18768

5.328 5.32 82

17..3563 17

3.2574

5.6502 5.6 5.937 377 7

20.2541

3.5847

23.1288

3.895 953 3 4.1897 4.4683

0.2 0. 27741

1.774 7746 6

8

2.2107 2.4760

9

2.7731

0.3606

0.06768

10

3.1058 3.1 3.4785

0.322 3220 0

0.0 0. 05698

17.54 .5487 87

0.1 0. 17698

0.28 287 75

0.04842

0.16842

0.2567 0.25 67 0.2292

0.041 0414 44

13

3.89 3.8 960 4.3635

20.654 546 6 24.133 4.1331 1

6.1944 6.4235

4.887 8871 1

0.2046

28.0291 32..3926 32

0.15568

14

0.03568 0.03087

0.15087

6.6282

25.95 9523 23 28..7024 28 31..3624 31

15 16

5.4736 6.1304

0.1827 0.18 0.163 631 1

0.02682 0.02339

37.2797 42.7533

0.14682 0.1433 4339 9

6.8109 6.97 .974 40

33.9202 36..367 36 3670 0

17 18

6.8 .866 660 0

0.1456

0.0204 0.0 2046 6

48.88 8837 37

7.11 7. 1196 96

38.69 38. 6973 73

7.6900 8.61 8.6 128

0.1300 0.1161

0.01794

7.24 249 97

0.1 0. 13576

5.6427 5.8375

0.1037

7.3658 7.469 4694 4

40.9080 42.9979

0.0926

0.01224

7.5 .56 620

44.9676 46.8188

6.0202

21

9.6463 10.8038

0.01576 0.01576 0.01388

55.7497 63..43 63 439 97

0.14046 0.13794

4.9803 5.2147 5.435 4353 3

22 23

12. 2.1 1003

0.082 826 6

13.552 5523 3

0.07 0738 38

6.3514 6.351 6.5010

24

15..178 15 1786 6

0.0659

11 12

19 20

25

72..0524 72

0.16 0. 161 144

81..6987 81

0.13388 0.13224

0.0108 1081 1

92..50 92 5026 26

0.13081

7.6446

48.55 .5543 43

0.00956

0.1 .12 2956

7.71 7. 7184 84

0.0 .00 0846

104 04..6029 118. 11 8.155 1552 2

0.128 0.1 284 46

7.7843

50.1 0.17 776 51..692 51 6929 9

0.00 00750 750

133.3 33.3339 339

0.127 0.1 275 50

7.843 8431 1

150 50..3339 169.37 69.374 40

0.1266 2665 5

7.8957

0.0588 0.0525

27

17.0001 19.0401 21..3249 21

0.0469

0.00665 0.00590

28

23.8839

0.0419

0.00524

190 90..6989

0.1259 0.125 90 0.12524

7.9426 7.9844

29

26.7499

0.037 374 4

0.00 004 466

214. 4.5 5828

0.124 246 66

30 31 32

29.959 29. 9599 9 33.5551

0.03 0334 34 0.0298 0.0266

0.00414 0.00369 0.00 369

241.3327 241 271.2926

0.12414 0.12369

304.8477 304.84 342..4294 342

26

4.7317 4.731 7

6.1 6. 1913

6.64 .640 06

53.104 53. 046 6 54..417 54 4177 7

6.7708 6.770 6.8921 6.892 1

55.6369

7.0049

8.0 .02 218

56.767 56.7 674 4 57.8141

7.1098 7.2071

8.0552 8.0850

58.7821 58. 59.6761

0.12328 0.12292

8.11 111 16 8.1354

60.5010 61..2612 61

7.2974 7.3811 7.4586

8.1 8. 1566

61..961 61 9612 2

7.5 7. 5965

33

37.5817 37.5 42.0915

0.0238

0.00328 0.00292

34

47.14 142 25

0.0212

0.00260

384..5210 384

35

52.7996

0.0189

0.002 023 32

431 43 1.6635

0.12260 0.12260 0.122 .1223 32

8.1 .17 755

62..605 62 052 2

7.65 7.6 577

40

93.051 .0510 0

0.0107

0.001 0. 0013 30

767.0 .09 914

0.12130

8.2438

65.11 65.1 159

45

163.9876

0.0061

0.0074

1358. 8.2 23

0.12074

8.2825

66.7 .73 342

7.8 .898 988 8 8.057 0572 2

50

289.00 289. 0022 22 509..3206 509

0.00 003 35

2400.0 00.02 2

0.12042

8.304 3045 5

0.120 .1202 24

897.5969 1581..87 1581

0.0011

0.0 .0001 0013 3

4236.01 4236 7471.64

0.12 120 013

8.3170 8.324 3240 0

67.7 7.76 624 68..4082 68

8.1597

0.00 002 20

0.00042 0.00 000 024

68..810 68 100 0

8.2664

0.0006 0.000 0004 4

0.00 00008 008

1317 174 4 23223

0.12 0.1 200 008 8

8.328 3281 1

0.1 0. 12004

69. 9.05 058 81 69..2103 69

8.292 8. 2922 2

8.3303

0.0002 0.0 002

0.12002 0.12 0.12001

8.33 331 16

69..3031 69

8.3 8. 3181

0.000 001 1

0.00002 0.0000 2 0.00001

40934 409 34

80

4913.06 865 658 8.48

8.3324

69..35 69 359 94

85

15259

0.0 0. 0001

0.00 0000 001 1

0.12 12001 001

8.33 332 28

69..393 69 935 5

8.324 241 1 8.3278

55 60 65 70 75

278 787 7.8 .80 0

0.00004 0. 00004

72 146

7.5302

8.225 8.2 251 1

8.3 8. 3082

de

 

Tabla Tab lass de factores de interés compuesto

792

TABLA 18

14

Flujo de efectivo discreto: Factores de interés compuesto

Pagos Pago s únicos

Pagos de de se serie un uniforme

14

Gradientes

aritméticos

Cantidad

Valor

Factor de de

Cantid ntida ad

Recuperaci Recupera ción ón

compuesta

presente

amortizac izaciión

compuesta

de capital

presente

valor presente

serie anual

n

F /P

P /F

AlF

F/A

A lP

P IA

P /G

AlG

1

1.1400

0.8772

1.00000

1.0000

1.14000

2

1.2996

0. 0.7695 7695

0.46729 0.46729

0.769 7695 5

0.46 0.467 73

1.4815

0.6750

0.29073

0.60729 0.43073

0.8772 0.8772 1.6467

3 4

2.1400 3.4396

2.3216

2.1194

0. 0.592 5921 1

0.20320

4.9211

0.34320

0.15128

0.29128

2.1950 2.5023

6.6101 8.5355

3.8957 5.9731 5.973 1

6 7

0.5194 0.4556

2.9137 3.4331

0.9129 1.3370

5

1.6890 1.92 9254 54

0.2571 25716 6

3.8887

8.2511

0.3996

0.23319

4.2883 4.2883

2.8526

0. 0.3 3506

0.09319 0.07557

10..7305 10

8

13.2328

0.21557

4.6389 4.6389

10.6489 13.1028

9 10

3.2519 3.7072 4.2262

0.3075

0.06217

16.08 .0853

0.202 2021 17

4.9464

15.5629

0.2697

0.05171

19.3373

0.19171

17.9906

3.1463 3.4490

0.2366

0.04339

23.0445

0.18339

5.2161 5.4527

20.3567

3.7333

4.817 8179 9 5.4924

0.2076

0.03667

27.2707

0.17667

5.6603

22.6399

3.999 9998 8

13

0.1821

0.03116

32.0887

0.17116

5.84 842 24

24.8247

14

6.261 2613 3

0.1597

0.02661

37.5 37 .58 811

0.16661

6.002 .0021

26..9009 26

4.249 2491 1 4.4819

15 16

7.1379  8.13 .137 72

0.1401 0.1 0.1 0. 1229

0.02281 0.01962

9.2765

0.1078

0.01692

0.16281 0.15962 0.15692

6.1422 6.2651

17

43.8424 50.98 980 04 59..1176 59

18 19

10.5752

0.0 .09 946

0.01462

68.3941

0.15462

6.3729 6.4674

28.8623 30.7057 32..4305 32

12..0557 12

0.01266

6.55 550 04

35..5311 35

13.74 .743 35

0.01 0.0 1099

78.9692 78. 91..02 91 024 49

0.15266

20

0.0829 0.0728

5.088 0888 8 5.2630 5.4243

36.9135

5.5734

15.6676

0.0638

38..19 38 190 01

5.7111

17. 7.8 8610

0.0 .05 560

104 04..7684 120 20..436 4360 0

6.687 6870 0

22

0.00954 0.00830

0.15099 0.1 0.14954 0.14830

6.6231

21 23

20.36 0.361 16 23.2122 26.46 461 19

0.049 0491 1

0.00723

138.2970

0.14723

6.7429 6.7921

39.3658 40.4463 40.

5.8381 5.9549

0.0431

0.00630

6.0624

0.14550

6.8351 6.8729

41..4371 41

0.00550

158.6586 181..8708 181

0.14630

0.0378

42.3441

6.1610

30.1666 34.3899

0. 0.0 0331

0.00480

6.9061

43.1728

0.029 0291 1

0.00419

208.3327 238.4 238 .4993 993

0.14480

27

6.9352

43.9289

6.2514 6.3342

28

39.2045

0.00366

272.8892

0.14419 0.14366

44..6176 44

6.4100

0.00320

312.0937

0.14320

6.9830

45.2441

6.4791

0.00280

356..7868 356

0.14280

7.0027

45.8132 46.3297 46.7979

6.5423 6.5998

I I

12

24 25 26

0.11716

Valor

6.9607

29

44.6931

0.0255 0.02 0.0 224

30

50.9502

0.0196

31

58.0832 66. 6.2 2148 75..484 75 4849 9

0.0172

0.00245

407.7370

0.14245

7.0199

0.0151

0.0 0.00215

0.14215

0.0132

0.00188

465.8202 532.0350

86.0528

0.0116 0.0102

0.00165

607..5199 607

0.14188 0.14165

7.0350 7.0482

32 33 34

Gradiente

34.0380

,

47.2218

de

Gradiente

1.7399 2.12 121 18 2.4832 2.8246

4.6990 .6990 4.9011

6.6522

7.05 .0599

47.6053

6.6998 6.7431

35

98.1002

0.00144

693..57 693 572 27

0.14144

7.0700

47.95 9519 19

6.7824

40

0.0053

0.00075

1342.03

0.14075

0.0027

0.00039

2590. 259 0.5 56

0.14039

7.1050 7.1232

49.2376

45

188.8835 188.88 363.6791 36 3.6791

6.9300 7.0188 7.018 8

50

700.2330

0.001 0.00 14

4994 994..52

55

1348.24

0.14020 0.14010

60

2595.92 499 998 8.22

0.0007 0.0004

0.00020 0.00010 0.00005

9623.13

0.0002

0.00003

18535 356 35 694

9623.64

0.0001 0.000 1

0.00001

68733

75

1853 185 30

0.0 0. 0001

0.00001

80 85

35677 68693

65 70

7.132 7.13 27

49.9963 50..4375 50

7.1376 7.1 7. 140 401 1

50.6912 50..8357 50

7.1020

0.14005 0.1 0. 14003

7.1414

50.9173

7.1298

0.14001

7.1421

50..9632 50

0.14001

7.14 142 25

50.9887

7.1356 7.1388

0.14000 0.1 .14000 4000

7.1427 7.1428

51.0030 51. 51.ü108

7.1406 7.1416

7.0714 7.1197

de

 

Tabl blas as de factore toress de in inte terrés compue compuessto

15

TABLA

19

793 79 3

Flujo de efectivo discreto: Factores de interés compuesto

~

Pag Pa gos únic ico os

15

 

Pagos Pago s de serie unif ifo orme

Gradientes

Cantidad

Valor

Factor de

Cantidad

Recuperación

Valo Val or

compuesta

presente

amo am ortización

compuesta

de capital

presen prese nte

n

F/P

PIF

AlF

FIA

AlP

1

1.1500

0.8696

1.0000

1.1500 15000 0

2

1.3225

0.7561

1.00000 0.465 651 12

3

1.5209

0.6575

0.28798

2.1500 3.4725

0.615 151 12 0.43798

4

1.7490

4.9934

2.011 .0114 4

0.5718 0.4972

0.2 0. 20027

5 6

2.3131

0.4323 0.4 323

0.14832 0.1483 2 0.1142 0.114 24

7

2.660 6600 0

0.09 0.0 9036

6.7424 6.7 8.75 .753 37 11..0668 11

PIA

Gradiente

de

aritméticos Gradie diente

serie anual

PIG

AlG

0.8696 1.6257

0.7561

0.4651

2.28 2.2 832

2.0712

0.35027

2.8550

3.78 786 64

0.9071 0.9071 1.326 3263 3

0.29 .298 832 0.26 .264 424

3.3522 3.3 3.78 784 45

5.7751

1.722 228 8

7.9368

2.097 0972 2

0.24036

10.1924 10.1924 12..480 12 4807 7

2.449 .4498 8

8

3.0590

0.3759 0.3269

0.072 0728 85

13.726 .7268 8

0.22285

4.1604 4.4873

9

3.5 .51 179

0.2843

0.05957

16.785 6.7858 8

0.20957

4.7716

14.754 548 8

3.09 .0922 22

10

4.04 045 56

0.2472

0.04925

20.3037

0.1992 9925 5

5.0 5. 0188

16.9795

11

4.6524

0.2149

0.04107

24.349 493 3

0.19107

5.3503

0.1869

0.0344 448 8

29..0017 29

0.18448

19.12 .1289 89 21.1849

3.383 .3832 2 3.65 .6549 49

12

5.2337 5.420 4206 6

13 14

6.1 .15 528

0.162 625 5 0.1413

0.029 2911 11 0.02469

34.35 4.351 19 40..5047 40

0.179 0.1 7911 11 0.17469

5.58 583 31 5.7245

23.1352 23. 24.9725

4.1438

47..5804 47

0.17102

5.8 .8474 474

55.71 55.7 175

0.16795

5.9542

26.69 6.693 30 28.2960

4.5650 4.7522

0.1 .1653 6537 7

6.0472

4.925 9251 1

0.16319 0.163 19 0.16134

6.128 280 0

29.78 29.7 828 31.15 1565 65 32..42 32 421 13

2.7 .78 813

3.9082

15

7.0757 8.1 .13 371

16

9.3576

0.1069

0.02102 0.021 0.0 0. 0179 795 5

17

10.76 10.7 613

0.092 929 9

0.0153 1537 7

18

12.37 .375 55

0.0808

0.01319

65.0751 65. 75..8364 75

19 20

14.23 231 18

0.0703 0.06 0611 11

0.0 0. 011 1134 34

88.2 8.211 118 8 102 02..4436 118 11 8.8 .81 101

0.15976 0.1 0.15842

6.259 .2593 3 6.3125

33..582 33 5822 2

0.0531

0.009 0097 76 0.00 0084 842 2

5.2307 5.3651

34..64 34 6448 48

5.4883

35.6150 36..498 36 4988 8

5.60 .601 10 5.7040 5.7 040

0.1229

6.1982 6.1 982

4.3624

5.0843 5.084 3

22

16.3665 18.82 8.821 15 21.64 6447 47

0.0462

0.00727

137.63 37.631 16

0.15727

6.3587

23

24.89 891 15

0.04 040 02

0.00628 0.0 0628

159 59..276 764 4

0.1 .15628 5628

24

28.625 8.6252 2

0.03 0.0 349

0.0054 00543 3

184.167 .1678 8

0.15543

6.398 3988 8 6.4338

37.302 3023 3

5.797 .7979 9

25

32..9190 32

0.0304

0.00 0047 470 0

212.79 793 30

0.154 5470 70

6.464 641 1

38..0314 38

5.8834

38.6918

5.9612

39.2890

6.0319

21

26

37..8568 37

0.02 .0264 64

0.0 .00 0407

245.7120

0.154 5407 07

6.4906

27

43.5353

0.02 023 30

0.00353

0.1 0. 15353

6.5135

28

50.0656

0.0200

0.00306

0.1 0. 15306

6.533 335 5

39..828 39 8283 3

6.0960

29

57.5755

0.01 0174 74

0.00265 0.0 0265

283.568 3.5688 8 327. 27.1 1041 377..1697 377

0.152 0.1 5265 65

6.55 550 09

40.3146

6.1 6. 154 541 1

30 31

66.2118 76.1435 76.1435

0.0151 0.013 0.01 31

0.00230 0.0023 0 0.002 0.00 200

0.15230 0.15 0.1 5200

6.5660 6.56 6.5791

40.7526 40.7526 41.1 41 .14 466

6.2066 6.206 6 6.2541 6.25 41

32

87.5 .5651 651

0.0 .01 114

0.00 001 173

434.745 4.7451 1 500.956 00.9569 9 577..10 577 1005 05

0.1517 0.15 173 3

6.5 6. 5905

41.50 5006 06

6.2970

33

100 00..6998

0.0099

0.00150

41.8184

6.3357 6.335 7

115 11 5.8048

0.0086

0.0 .00 0131

0.1515 150 0 0.1 0. 15131

6.6005

34

664.6655 765..3654 765

6.6091 6.609 1

35 40

133. 33.1 175 755 5

0.0075

0.0 .0011 0113 3

881.1702

0.15 0. 1511 113 3

42.1033 42.1033 42..3586 42

6.3705 6.401 019 9

267. 67.8635 8635

0.15 0. 15056 056

43.2 43 .283 830 0

538.7 8.7693 693

0.00056 0.000 0002 28

1 779 79;;09

45

0.00 003 37 0.0019

6.6166 6.64 .641 18

3585. 5.1 13

0.15 .15028 028

6.6543 6.65 43

43.8 43. 8051

6.5168 6.51 68 6.5 6. 583 830 0

50

1083 10 83..66 2179.62

0.0 .000 009 9

0.00 000 014

721 72 17.72

0.15014

6.6605

44.0 .09 958

6.6205

55

0.0005

0.00007

14524

0.15007

6.6636

44.255 2558 8

6.641 6.64 14

60

4384.00

0.0002

0.00003

29220

0.15003

6.6651

44..34 44 343 31

6.653 6.65 30

65

8817. 7.7 79

0.00 000 01

0.00002

58779

0.15002

6.6659

6.6593

70

17736

0.0001

0.00 0000 001 1

0.1 0. 15001

6.6663

44.3903 44..41 44 415 56

75

35673

0.15000

6.6665

44..429 44 4292 2

6.66 .6627 27 6.664 .6646 6

80

71751

0.15 .15000 000

6.6666

44..4364 44

6.66 6.6 656

0.1 0. 15000

6.6666

44..4402 44

6.666 6661 1

85

de

valor presente

 

Tablass de fa Tabla fact cto ores de inte terrés compuesto

79

TAB ABL LA  

16

Flu Fl ujo de efectivo discreto: Fa Fact ctor ores es de in inte teré réss co com mpu pueest sto o

Pago Pag os únicos

Pagos de serie uniforme

16

Grad adie ient ntes es ar arit itm méticos

Cantidad

Valor

Factorr de Facto

Cantidad

Recuperación

Valor

compuesta

presente

amortiización amort

compuesta

de capital

presente

valor presente

s er er i e an u al al

PIA

PIG

AlG

Gradien Gradie nte

de

Gradiente

n

FIP

PIF

AlF

FIA

AlP

1

1.1600 1.3456

0.8621 0.8621 0.7432

1.00000

1.0000

1.16000

0.46296

2.1600

0.62296

0.862 8621 1 1.6052

0.7432

0.4630

3 4

1.5609

0.6407

0.28526

3.5056

0.44526

2.2459

2.0245

1.8106

0.19738

5.0665

2.10 100 03 2.4364

0.35738 0.30541

2.7982

5

0.5523 0.476 4761 1

3.2743

3.6814 3.681 5.5858

0.9014 1.3156

2

6 7 8 9 10

0.4104

0.14541 0.111 0. 11139 39

2.8262

0.3538

0.08761

6.8771 8.9 .9775 775 11..413 11 4139 9

3.2784

0.3050 0.263 0. 2630 0

0.07022 0.0 7022

14.2 .24 401

0.0570 708 8

0.226 0.22 67

0.0469 4690 0

17.5185 21..3215 21

3.8030 3.8030 4.4114

1.7060

3.6 .68 847

7.638 6380 0

0.23022 0. 23022

4.0386 4.0 4.3 .34 436

9.7610 11..8962 11

0.21708

4.6065 4.6 065

13.9998

3.039 391 1

0.2069 0. 20690 0

4.8332 4.833 2

16.03 16.0 399 17.9941 17.99 41

3.3187 3.5783

19.847 472 2 21.5899 21.

3.8189

0.27139 0.271 0.24761 0.2476 1

2.0729 2.4169 2.7388

11

5.11 5. 1173 73

0.1954

0.03886

0.19886

12 13

5.936 9360 0 6.88 8858 58

0.16 168 85

0.03241

25.7329 30.8502

5.028 5.02 86

0.19 192 241

5.1 .19 971

0.145 452 2

0.02 0.0 271 718 8

36.78 36.7 862

14

7.9875

0.125 252 2

0.0229 2290 0

0.187 871 18 0.18 182 290

5.3423 5.4675

15 16

0.10 1079 79 0.0 0. 093 930 0

0.01 01936 936 0.01 .0164 641 1

0.0802

0.01395

60.9250 71.6730

0.1 .17936 7936 0.17641

17

9.265 2655 5 10.7480 12..4677 12

43.6720 43. 51.6595

5.5755 5.6685 5.7487

24.7284 24.7 26.1241 27..4074 27

18

14.4625

0.069 0. 0691 1

0.01 0.0 1188

84.140 84.1 407 7

5.8178

28.5828

4.9130

19 20

16.7765 19.4608 19.

0.0596

0.01014 0.00867

98.60 98.6 032 115.3797 115

0.17188 0.1 0.17 170 014

5.8775

29.6557

5.0457

0.16867

30.6321

5.1666

22

26..1864 26

0.00635

157 57..41 4150 50

35.2364 47..4141 47

0.00467

213. 3.9 9776

0.16635 0.1 0.16 164 467

32..3200 32

24

0.0382 0.038 0.0284

5.9288 6.011 6.0 113 3 6.0726

33.6970 34.8114

5.3765 5.5490

0.051 0.05 14

0.1 0. 17395

0.02 0211 11

0.00345

290.0883

0.16345

6.11 6. 118 82

63.8004 85.8499

0.01 0.0 157

0.00255

392.5028

0.16255

6.1 6. 1520

0.0116

0.00189

530.3117

0.16189

6.1 6. 1772

0.0087

0.00140

715.7475

0.0064

0.00 001 104

35

180.3 80.31 141

0.0055

0.00089

0.16089

36

209.1643

0.0048

0.00077

965.2698 1120.7 11 20.71 1 1 301.03

0.16140 0.1 0. 16104

6.1 6. 1959

34

115.5196 115.5196 155.4432

38 40

281.45 281 451 15 378.7212

0.00 003 36 0.00 .0026 26

0.00057 0.00042

45

795.4438

0.0013

50 55

1670 670..70

26 28 30 32

60

3509.05 7370.2 7370. 20

23.2175

4.04 0413 13 4.246 4. 2464 4 4.4352 4.6 .60 086 4.7676 4. 7676

5.6898

35.7073 36..4234 36

5.8041 5.804 1 5.9706

6.2098

36.9930 37.4441

6.215 153 3

37.6327

0.16077

6.22 2201 01

37..8000 37

6.054 0548 8 6.0771

1752 752..82 2360.76

0.16057 0.16042

6.2278 6.2335

38.0799 38.2992

6.1145 6.11 45 6.144 441 1

0.000 002 20

4965. 65.2 27

0.160 602 20

38.6598

6.1 6. 1934

0.0 .000 006 6 0.000 0003 3

0.00 00010 010 0.00005 0.0000 5

10 436

0.1 .160 6010 10

6.2421 6.24 .2463 63

6.220 2201 1

21925

0.16 160 005

6.2 6. 2482

38.852 38. 8521 1 38.9534

0.0001

0.00 000 002

46058

0.1 .16 6002

6.2492

39.00 0063 63

6.241 .2419 9

5.8964 6.0299

6.2343

de

 

Tabl Ta blas as de factores de inter terés és comp compu uesto

18

TABLA 21

Flujo de efectivo discreto: Factores de interés compuesto

Pagos únicos Cantidad

Valor

com co mpues puestta

prese esent nte e

Pagos de serie un uniiforme Cantiidad Cant

Rec Re cupe upera rac ción

compuesta

de capita tall

FA

AlP

PIA

1.0000

1.18000

2.1800

0.63872 0.45992

0.8475 1.5656

F P

P F

AlF

1

1.1800

0.847 .8475 5

2

1.3924

0.7 .71 182

1.00 .000 000 0.45 458 872

3 4

1.64 6430 30 1.9388

5

2.2878

0.6086 0.608 6 0.5 .515 158 8 0.4371

6 7

2.6996 3.1 .1855 855

0.3704 0.3139

8 9

3.7589 3.75 89 4.4355

0.2660 0.2255

10

5.2338

0.1911

11 12

6.1759 7.287 2876 6 8.5994

14

10.1472 10. 11..9737 11

15 16

14.1 4.129 290 0 16.6722

0.27992

3.5724

0.19174

5.2 .21 154

0.13978 0.1059 0591 1

7.1542 9.4420

0.0823 08236 6

12.1415 12. 1415

0.0652 524 4

15..327 15 3270 0

0.262 .26236 36 0.24 2452 524 4

0.05239

19..0859 19

0.23 232 239

0.04251 0.0425 1

23..5213 23

0.22251

0.1619

0.03 0347 478 8

28.75 755 51

0.2147 21478 8

0.1 .13 372 0.11 1163 63

0.0286 863 3

34.9311 42.21 42.2 187

0.20 20863 863 0.20369

0.0985

0.01968 0.01640

50.8180

0.19968 0.196 9640 40

5.008 5.00 81

0.1 0. 1937 9371 1

0.0 .083 835 5 0.0708

0.013 0.01 371

0.060 .0600 0

0.011 114 49

0.0508

0.00964

19

23.21 23 .2144 44

0.043 0431 1

0.0081 0.00 810 0

20

27.3 .393 930 0

22

38.1421

0.0 .03 365 0.0262

0.0068 00682 2 0.00485

24

53.1090 73..9490 73

0.0188 0.01 013 35

0.00345

26 28

102. 02.96 9666 66

0.00 0. 009 97

0.00177

30 32

143 43..3706

0.007 070 0

0.00126

199 99..6293

0.0050

34

277.9638

0.0036

35 36

327 32 7.9973

0.00 003 30

387.0368 387 538.9100

0.002 026 6 0.0019

40 45

750.3 50.37 783

0.00 .001 13

1 716 16..68

0.0006

0.00 0001 010 0

50 55

3927 39 27..36

0.000 0003 3

60

20555

38

8984 984..84

2.174 1743 3

0.2859 .28591 1

19..6733 19

17 18

Valo alorr presente present

2.690 6901 1 3.1272 3.4976

0.02 023 369

0.0001

60.9653 60.9653 72.939 390 0

0.37174 0.31 0.3 1978

18

Grad adie ien ntes

Fact Fa ctor or de amort rtiizaci ación ón

n

13

795

Gradi adie ente

vallor pr va pres esen ente te

Gradiien Grad entte de ser erie ie an anu ual

PIG

AlG

0.7182 1.935 354 4

0.4587

3.4828

de

aritméti ritméticos cos

0.8902 1.2947

5.2312

1.6728

7.0834

2.0252

8.9670 10.8292

2.352 526 6

4.0776 4.30 303 30 4.494 4941 1

12.6329 14.3525

2.9358

4.6560 4.656 0 4.7932

15. 5.9 9716 17..481 17 811 1

4.9095 5.09 091 16

18.8765 20.15 20. 157 76 21.3269

5.162 624 4

22..3885 22

3.811 115 5

87.068 0680 0 103.7403 123 23..4135

0.19149 0.18964

5.2223 5.2 .273 732 2

23.3482 23.348 2

0.188 1881 10

5.3 5. 3162

24.9877

24.2123

2.6558 3.1936 3.193 3.4303 3.64 3.6 470 3.8449 4.0250 4.1887 4.3369 4.470 708 8 4.59 591 16 4.700 003 3 4.797 4. 7978 8

146.628 280 0

0.1868 18682 2

206. 06.3448 3448 289..4945 289

0.1 0. 1848 8485 5

5.3527 5.35 27 5.4099

25.6813 26..8506 26

0.18 183 345

5.4509

405.272 2721 1 566..4809 566

0.182 824 47 0.181 817 77

5.480 4804 4

27.7725 28..4935 28

5.0950 5.199 991 1

0.1 0. 18126

5.2810 5.28 5.3448

0.1 0. 18091

5.5168 5.52 .527 77

29.05 .0537 37 29..4864 29

0.00 000 091

790.9 790. 9480 1 103.50

29.8191

0.00065

1538.69 15 38.69

0.18065

5.53 535 56

30.0736

5.3945 5.432 4328 8

0.00055 0.0004 00047 7

181 816 6.65

5.5386

30.177 1773 3

5.4485

2144 44..65

0.18055 0.180 0.18047

2988 88..39

0.1 0. 18033

30.2677 30..4152 30

5.462 4623 3

0.00033

5.5412 5.541 2 5.545 .5452 2

0.00024

416 163.2 3.21 1 9531 953 1.58

0.18024 0.1 0.18010

5.548 5.54 82

30..5269 30

5.5523

30.700 7006 6

0.00005

21813

0.18005

5.5 5. 5541

30.7 .78 856

0.0 .00 0002

49910

0.180 1800 02

5.5549

114 11 4190

0.18001

5.5553

30.8268 30..8465 30

0.00247

5.5 .50 016

4.9632

5.4849 5.5022 5.529 5293 3 5.542 428 8 5.5494 5.5526

 

Tablas de factore ctoress de interés compue puesto

796 79 6

2

TABLA

22

Flujo de efectivo discreto: Factores de intel el~ ~és comp compuesto uesto ~

Pago Pagos s ún úniicos Cantid Canti dad compuesta n

Valor pr prese esent nte e

Pago gos s de seri serie e unif niforme

Gradi adien enttes aritm tmét étiicos

Factor de amor morttizació ción n

Cantidad compuesta compuest

Recup cupe erac ació ión n

pr pre esente

Gra Gr adiente de valor pr pres esen ente te

Gradie Gradi ente de

de capit pita al

PIA

P/G

AlG

0.6944 0.6 1.8519

0.45 4545 45

2.1065

0.38629

2.5 .58 887

3.2986

0.87 .879 91 1.2742

0.334 0.3 3438 38 0.3007 0071 1

2.9906

4.9061

1. 1.6405 6405

FIP

PIF

AlF Al F

FIA

AlP

1.2000

0.8333

1. 1.00000 00000

1.0000

1.20 20000 000

2

1.4400

0.6944 0.69 44

0.45455

2.20 200 00

3 4

1.728 7280 0

0.5787 0.5787 0.4823

0.274 2747 73

0.65 654 455 0.47473

0.18629

3.64 640 00 5.3680

0.40 401 19

0.1 0. 1343 3438 8

7.44 4416 16

I

2

~

Va Vallor

0.8333 1.5278

se seri rie e anua uall

5

2.073 2.0 736 6 2.4883

6

2.98 986 60

0.33 3349 49

0.1 0. 10071

9.929 9.92 99

3.3 .32 255

6.5806

1.97 9788 88

7

3.583 832 2

0.2 0. 2791

0.077 7742 42

0.2 0. 277 7742 42

3.604 046 6

8.255 .2551 1

2.290 2. 2902 2

8

4.2998

0.2326

0.0606 06061 1

12.9159 16.4991

0.26061 0.2606 1

3.8372

2.575 2. 5756 6

9 10

5.1598

0.19 0.1 938

0.04808

20.79 0.7989 89

0.2 .24 480 808 8

4.0310

9.8831 11..43 11 433 35

6.1917 7.43 4301 01

0.16 .1615

0.038 0.0 385 52

25..95 25 9587 87

0.238 2385 52

0.1 0.13 346

0.03110

32.1 2.15 504

0.23 2311 110 0

4.1925 4.1 4.327 271 1

12.88 887 71

11 12

8.9161 8.9 161

0.11 1122 22

0.0252 02526 6

14.233 14.23 30 15.4667

0.09 0935 35 0.0779

0.02062

4.53 4.5 327

16.588 5883 3

3.6597

14

10.6993 12. 2.839 8392 2

0.225 2252 26 0.22062

4.4392

13

39.58 39. 580 05 48..49 48 496 66

3.0739 3.07 39 3.28 .289 93 3.484 4841 1

0.01 0.0 1689

59.1 59 .19 959

0.2 .21 1689

4.6 .61 106

17.600 6008 8

3.8175

15 16

15.4 5.40 070 18.4884

0.0649 0.054 541 1

0.0138 0.01 388 8 0.011 .01144 44

72.0351 72. 87..442 87 421 1

4.6755 4.67 55 4.72 4. 729 96

18.5095 19.320 19. 208 8

3.95 .958 88 4.0851

17

22..1861 22

0.045 0. 0451 1

0.00944

105 05..9306

0.2138 1388 8 0.2 0. 2114 144 4 0.20944

4.77 774 46

20.0419

4.1976

18 19

26. 6.62 623 33 31.948 1.9480 0

0.0376

0.0078 781 1

128 28..116 1167

0.2078 781 1

4.8 .81 122

0.00646

154 54..7400

0.20646

4.8435 4.843 5

20.6805 20.68 21.24 2439 39

4.2975 4.29 75

0.0 0. 0313

20

38..337 38 3376 6

0.02 0.0 261

. 4.8696

?1.739 7395 5

4.386 4.38 61 4.4643

0.0181

0.203 0.20 369

4.9094

22.554 5546 6

4.594 941 1

24

55.2061 79.4968

186.688 880 0 271.0307

0.205 2053 36

22

0.00536 0.0036 0.00 369 9

0.0126

0.00 0025 255 5

392 92..4842

23.1760

4.6943

114..47 114 4755 55

0.0087 0.00 87

0.00176 0.001 76

567.3 .3773 773

0.2 .20 0255 0.2 .201 0176 76

4.937 371 1

26

4.95 9563 63

23.646 6460 0

4.77 770 09

28

164.844 64.8447 7

0.006 061 1 0.0042

819 19..2233 1 181.88

0.20122 0.2 0.2 0. 200 008 85

4.969 9697 7 4.9789

23.9991 23. 24.26 262 28

32

237 37..37 376 63 341.8219

0.00 00122 122 0.00085

4.8291

30

0.00 002 29

0.0005 00059 9

1704. 04.1 11

4.9 4. 985 854 4

24.4588

4.90 906 61

34

492 92..2235

0.00 002 20

0.000 0004 41

2456 456.1 .12 2

0.200 0.2 0059 59 0.200 004 41

4.9 .98 898

24. 4.6038 6038

4.93 .930 08

35

0.00 001 17 0.00 001 14

0.00034

2948 294 8.34

0.20034

4.9915

24..6614 24

4.9406 4.94 06

36

590.6 .66 682 708.8 8.80 019

0.00028

3539.01

0.200 20028 28

4.99 992 29

24.7108

4.94 4. 949 91

38 40

1020.67 1469.77

0.0010 0.000 007 7

0.00020 0.000 0.000 001 14

5098. 98.3 37 7343.86 734

4.995 4.9 951 1 4.9966

0.0003 0.000 3

0.0 0. 00005

1828 8281 1

50

3657.26 9 100.44

24.7894 24. 24.84 846 69 24..9316 24

4.962 9627 7 4.9728

45

0.2002 20020 0 0.2 0. 200 0014 14 0.2 0. 20005

0.000 0.00 01

0.00002

454 45497

22645

24.9698 24.9698 24.986 9868 8

4.994 9945 5

55

0.2 .20 0002 0.2 .2000 0001 1

4.999 9995 5

0.00001

4.9986 4.998 6 4.999 998 8

2.83 .8364 64

4.873 8731 1

4.9877 4.997 4.99 76

 

Tabla Ta blass de fa fact ctor orees de interé eréss compue compuesto sto

22

TABLA

23

Flujo de efectivo discreto: Factores de interés compuesto ~ _

Pagos únic único os

n

797

~

W

_

~

v

22

•

Pagos de seri rie e un uniiform orme

Gradiente ntes s

ariitméti ar tmétic cos

Cantidad

Valor

Factor de

Cantid tidad ad

Recuperaciión Recuperac

compuesta

presen resente te

amo morrtiza tizac ción

compue co mpues sta

de capi pittal

presen resentte

valo lorr pr pres esen ente te

ser eriie anu anua al

PI F

A/F

F IA

A /P

P IA

P IG

A/G A/ G

F IP

1 2

1.220 2200 0 1.488 4884 4

0.8197 0.6719

1.00000

1.0000

1.22000

0.450 504 45

3 4

1.8158

0.26966 0.18102

0.67045 0.48966

2.21 2153 53

0.55 5507 07 0. 0.4514 4514

2.220 2.22 00 3.7084 5.5242

0.40102

5

2.7027

0.1 0. 129 292 21

6

7.7396 10.4423

0.34921 0.31576

7

3.2973 4.022 4.0 227 7

0.3700 0.3033

13.7396

8

Valor

0.8 .81 197 1.4915 2.0422 2.49 4936 36

Gradien adientte

0.6719 1.77 773 33 3.1 3. 127 275 5 4.6075 4.6 075

0.29278 0.29 278

2.8636 2.8 3.1669 3.4155

de

Gradiente

0.4505 0.8683 1.25 254 42 1. 1.60 609 90 1. 1.93 933 37

0.2486

0.09576 0.095 0.072 0.0 727 78

4.9077

0.2038

0.0 .056 563 30

17.7623

0.27630

3.61 3.6 193

9.0417

2.22 .2297 97 2.4982

9 10

5.9874

0.16 0. 167 70

0.044 0441 11

0.264 26411 11

7.3046

0.1369 .1369

0.03489

22.6700 22. 28.657 6574 4

3.7 .78 863 3.9232 3.923 2

10.377 3779 9 11..6100 11

2.7409 2.9593

11

0.1122 0.11 22

0.02 0. 0278 781 1

0.0920 0.0 920

0.02 0. 0222 228 8

35.9620 35.962 0 44.87 .873 37

0.242 4228 28

4.0354 4.127 1274 4

12.7321

12

8.9117 10.8 .872 722 2

3.155 3.1 551 1 3.3299

13

13.26 13. 2641 41

0.0754

0.0179 794 4

55..7459 55

0.237 379 94

4.202 028 8

14 15 16

16.1822 16.1 822 19.7423

0.0618 0.050 0507 7

0.01449 0.01 0.01 0.0 1174

0.23449 0.23449 0.2317 0.231 74

4.264 .2646 6 4.3152

24.0 24 .0856 856

0.0415

0.0095 0953 3

69.010 69. 100 0 85.1922 104. 4.9 9345

14.6485 14.648 5 15.45 451 19 16.7838

29.384 844 4

0.0 0.03 340

0.007 0077 75

0.2295 .22953 3 0.22 227 775

4.3567

17

17..3283 17

18

35.849 490 0 43.7358

0.027 279 9 0.0229

0.0063 0.0 0631 1 0.005 0051 15

4.3 .39 908 4.4187

53.3 3.35 576 79.4175

0.0187

0.00420

22

0.01 0.0 126

24

118 11 8.20 .2050 50

0.00 008 85

0.00281 0.00188

26

0.0057

0.00126

28

175.93 175. 9364 64 261 26 1.863 8637 7

0. 0.00 0038 38

0.00084

30

389.7579

0.0026

0.0005 0.00 057 7

32

0.001 0.00 17

34

580.1156 580.1 863.44 444 41

35

1053 53..40

36 38

129.020 9.0201 1 158 15 8.4045

0.25489 0.25489 0.2478 0.247 81

0.2263 22631 1

194.25 4.2535 35

0.2251 515 5

237.9893 356.4432

0.2 0. 22420

4.4415 4.46 460 03

0.2 0. 222 2281 81

4.488 882 2

532. 32.7 7501

0.22 0. 221 188

795.1653 1185. 85.7 74

0.22126 0.22126 0.22084

1767.08

0.22 0. 220 057

0.00038

2632 32..34

0.22038 0.220 38

0.00 001 12 0.000 0.0 009 9

0.00026

392 39 20.2 .20 0

0.0002 021 1

478 783. 3.6 64

0.2202 0.2 2026 6 0.22021

0.000 0008 8 0.000 0.00 05

0.00017 0.00017 0.00012

5837 837..05 8690.08

40

1285.15 191 19 12.82 2847 284 7.04

0.000 004 4

0.0000 0.000 08

45

7694. 769 4.7 71

0.000 0001 1

0.000 0.00 003

50 55

20797

19 20

56207

0.0000 0.000 01

6.1239 7.6154 7.6154

13.74 743 38

16.1610

17.8025 18.2141

3.4855 3.6233 3.745 7451 1 3.8524 3.9465 4.0289

18.5 .57 702

4.1009 4.1 4.1 4. 163 635 5

19.14 9.141 18

4.264 4.26 49

4.5070

19..5635 19

4.3 .3407 407

4.5196

19.8720

4.528 5281 1

20..0962 20

4.3968 4.438 381 1

4.5338 4.537 376 6 4.54 540 02

20.25 20.2 583 20.37 20 .374 48 20..4582 20

4.5 .541 411 1

20.4905

4.5060 4.5 4.5122

4.5419 4.543 431 1

20.5178 20. 0.56 560 01

4.5174 4.52 5256 56

1293 937 7

0.22017 0.22017 0.2201 0.220 12 0.2 0. 2200 2008 8

4.5439

4.5314

34971 94525

0.22003 0.2 .22 2001

4.5449 4.5452

20.5900 20.6319

0.22 2200 000 0

4.5454

4.468 4683 3 4.49 490 02

20.64 20.6 492

4.5396 4.543 4.54 31

20.6563

4.544 445 5

de

 

Tabl Ta blas as de fact facto ores de in interé teréss comp compu uesto

798

24

TABL TA BLA A

24

Flujo de efectivo discreto: Factores de interés compuesto Pag Pa gos de serie un unif iform orme e

Pag agos os ún únic icos os Cantidad

Valor

compue compu esta

pres ese ente

n

FIP

PIF

1

1.24 240 00

2

1.5376

0.8065 0.6504

Gra Gr adientes

Factorr de Facto

Cantidad

Recu cupe perrac ación ión

compue ompuest sta a

de capita tall

prese pr esen nte

valor presente

seri rie e anual

FI 

lP

PI 

PIG

lG

0.6504 1.6993

0.4464

lF

1.0000 000 0

1.0000

1.2400 24000 0

0.44 44643 643

2.240 2. 2400 0

0.68643

Valo alorr

0.8065 1.4568 1.9813

1.9066 2.3642

0.5245 0.4230

0.26472

3.7776

0.1 0. 17593

5.6842

0.50472 0.41593

2.4043

5

2.931 2.93 16

0.34 341 11

0.12425

8.0484

0.36425

2.7454

6 7

3.6352

0.275 2751 1

0.09107

10.9801

4.5077

0.22 221 18

0.06842

14.6 4.61 153

0.33107 0.30842

5.5895 6.931 9310 0

0.1789

0.05229

19.1229

0.29229

3.0205 3.2423 3.42 421 12

0.1443

0.04047

3.5 3. 565 655 5

0.11 0. 116 64

0.27 271 160

3.68 681 19

11

10.65 657 71

0.0938 0.0 938

0.03 031 160 0.024 0248 85

24.7 4.71 125 31.6434

0.28 2804 047 7

8.5944 8.594 4

40.237 0.2379 9

0.26 264 485

3.775 7757 7

12

13.2148

0.0757 0. 0757

0.01 019 965

50.89 895 50

0.25965

64.1097 80.496 4961 1

0.2 .255 5560 60

3.8514 3.85 3.91 3.9 124

0.25 0.2 5242

3.9616

100.8151 100. 126.010 108 8 157.2534

0.24992 0.24 0.24794

195.9 95.99 942 244..0328 244

8 9 10

aritm tmé éti ticos cos

amorrtizaci amo zació ón

4

3

24

Gradiente

2.9683 4.3327 5.7081 7.0392 8.29 2915 15 9.4458

de

Gradiente

0.8577 1.2346 1.5782 1.8898 2.1710 2.4236 2.6492

10.4930 11.4313

2.8499

12.2637 12.9960 12.996 0

3.1843 3.1 3.32 321 18

13.6358

3.4420

4.0013 4.0333

14. 4.1 1915 14.6716

3.5467 3.6376

0.24636

4.059 0591 1

15..0846 15

3.7162

0.24510

4.0799

15.4385

0.24410 0.2441 0

4.0967

15.7406

3.7840 3.8423

0.2 .24 4329 0.24213

4.1 4. 110 103 3

3.8922

4.1300

15.9979 16.4011

4.142 1428 8

16.6891

4.028 0284 4

4.1511

3.0 .02 276

13

16.3863

0.06 .061 10

0.015 01560 60

14

20.31 20.3 191

0.0492

0.01242

15 16

25.1956 25. 31.2426

0.0397 0.0320

0.00992 0.00992 0.00794

17

38.7408

0.025 0258 8

0.00636

18

48.0386

0.0051 0.005 10

19 20

59.5679 73..864 73 8641 1

0.0208 0.01 0.0 168 0.013 135 5

0.00329

22

113.5 113. 5735 174.6306

0.0088

0.00213

24

0.0 .00 057

0.00 001 138

303.600 .6006 6 469.0563 723.4610

26

268..5121 268

0.00 0. 003 37

0.00090

1 11 114 4.63

0.24138 0.24090

412 12..86 864 42

0.002 0024 4

0.00058

1716.10

0.24 240 058

4.1566

16.893 8930 0 17.036 365 5

4.0695 4. 0695

28 30 32

634 63 4.8 .81 199

0.001 0016 6

0.000 .00038 38

264 640 0.92

0.2 0. 2403 038 8

4.1 .16 601

17..1369 17

976.0991 976.099 1

0.00 0. 001 10

0.000 0025 25

4062.91

0.24025

4.162 624 4

17.206 7.2067 7

4.11 1193 93 4.1 4. 1338

34

1500.85 I 861 861..05

0.0007

0.00016 0.00016 0.00 000 013

624 249 9.38

0.24016

4.1 .1440 440

0.24013

17.2734

4.1479

0.0004

0.000 0.00 010

0.240 .2401 10

4.1 4. 1649

38

2307.71 3548.33

7750 50..23 9611 961 1.28

4.1639 4.1639 4.1 4. 1664

17.2552

0.0005 0.0003

0.000 000 07

1478 4781 1

0.2400 4007 7

4.1 4. 1655

4.1560

40

5455.91

0.0002

0.00004

22 729

0.24 2400 004 4

4.16 1659 59

17.2886 17.3 7.31 116 17.32 327 74

45

1599 15 995 5

0.000 .0001 1

0.0000 00002 2

666 664 40

0.24 .240 002

4.1664 4.1 664

17.3483

4.1639

50

46890

0.2400 24001 1

4.1666 4.1666

17.3 7.35 563

4.1 4. 1653

17.35 17.3 593

4.1 4. 1663

35 36

55

0.00410

0.00001

0.24000

3.9712

4.0 .098 987 7

4.1511 4.1593

de

 

Tabllas de fa Tab fact ctor orees de in inte teré réss compuest compuesto o

',25 ', 25 ~ AY

~,,

\t

TABLA

,,- , .

  h

'

25

:;:; --l

,Fl Fluj ujo o de ef efec ecti tivo vo di disc scre reto to:: Fa Fact ctor ores es de in inte teré réss co comp mpue uest sto o -~~~

.

'

Pagos Pa gos únicos Cantidad compuesta

Vallor Va presente

'

'

 

~t~

=

S

Fac Fa cto torr de amortización

Cantiidad Cant

Recuperación

compuesta

de capital

FP

P/F

AlF

1

1.2500

0.8000 0,6400

1.00000

2

0.444 4444 44

0.51230 0.42344

FA

 

Grad Gr adien ientes tes Valor presente

Gradiente

de

aritm ari tmét ético icos s Gradiente

serie anual AlG

1.00 0000 00

1.25000

2.2500

0.69 6944 444 4

0.8000 1.44 4400 00

0.6400

0.4444 0.8525 1.2249

05120 05120 0.4096

0.26230 0.2623 0 0.17344

3.8125

2.441 414 4

5

3.05 .051 18

0.3277

6 7

3.8147

0.262 0. 2621 1

0.1 .1218 2185 5 0,08882

8.20 8.2 070 11.25 11. 2588 88

4.7684

02097 0.167 0.1 678 8

0.06634 0.0663 4 0.05040

0.13 134 42 0.1 .1074 074

1.9520

L6640

0.37185

2.36 361 16 2.6893

2.89 892 28 4,2035

2.9514 2.9514 3,1611

5.5142

1.8683

15.0735 15.07 35

0.33882 0.3 0. 31634

6.7725

2.142 424 4

19.84 9.841 19

0.300 3004 40

7.9469

2.3872

0.03876

25.8023

0.28876

3.3289 3.463 4631 1

9.020 9.02 07

2.6048

0.030 0. 0300 07

33..252 33 2529 9

0.280 0.2 8007 07

3.570 .5705 5

9.98 987 70

2.797 2. 7971 1

0.0859 0.0859 0.0687 0.0 687

0.02 023 349

42.56 566 61

0.2 0. 27349

3.65 .656 64

54.2 4.207 077 7

3.725 7251 1

0.0550

0.01454 0.0 0. 01150

68..7596 68

0.2684 26845 5 0.26454

10.84 10.8 460 11..602 11 6020 0

2.96 2. 9663 63

0.01845

3.7801

12..26 12 261 17

3.2437

86.94 86 .9495 95

0.26 .26150 150

3.824 8241 1

12.8334

3.355 559 9

109.6 09.6868 868 138 38.10 .108 85

0.25912 0.25 0.25724 0.257 24

3.859 8593 3 3.8874 3.9099 3.92 3. 9279 79

13.3 3.3260 260 13.7482 14.1085 14..4147 14

3.45 453 30 3.5366 3.60 608 84

5.7656

1.563 5631 1

3.11 3. 1145 45

13

14.551 519 9 18.1899

14

22.7374

0.044 0.04 40

15 16

28.42 421 17 35.5271 35.527 1 44..4089 44

0.0352 0.03 0.028 281 1 0.0225

0.00912 0.0 .0072 0724 4 0.005 0057 76

173.63 635 57

0.25576

18 19

55.51 55. 5112 12

0.018 0.01 80

0.004 045 59

0.2545 0.254 59

69.38 69.3 889

0.0144

0.00366

218.0 .044 446 6 273.555 .5558 8

14.6741

3.7222

86..73 86 736 62

0.011 0115 5

0.0029 0292 2

342.9 342 .94 447

0.2 .25 5366 0.25 2529 292 2

3.9424

20

3.95 9539 39

14.8932

3.766 667 7

22

1355 35525 253 3 211.7582

0.0074

0.25186

3.9705

0.00 0047 47

0.00 001 186 0.00119

538. 38.1 1011

24

0.25 .2511 119 9

3.9 3. 9811

15. 5.2 2326 15..47 15 4711 11

3.836 365 5 3.8861 3.886 1

26

330. 33 0.8 8722

0.0030

0.00076

843.03 843.0 329 1319..49 1319

0.25076

3.987 .9879 9

0.0019 0.001 9

0.00 0.0 0048

2063.95

0.0012

0.00 000 031

32 34

1262.18 197 972 2.15

0.0 .00 008

0.000 0002 20

3227.17 3227.1 5044 044..71

0.2 .2504 5048 8 0.25031

3.99 9923 23

30

516. 6.9 9879 807.7936

15.637 15. 6373 3 15.7 5.7524 524

3.9212

28

36

2465. 5.1 19 3081..49 3081

0.0005 0.0004

0.00013

35

0.0003

0.00010 0.000 000 08

38 40

4814.82 4814 752 523 3.1 .16 6

0.0002 0.0001

0.0000 005 5 0.00003

45

22959 700 006 65

0.00001

9183 831 1

17

50 55

3.6698

3.945 3.9 457 7

3.99 3. 9950 50 3.9 .9968 968

15..83 15 831 16

3.9628

0.250 5020 20

15.88 15 .885 59

3.9746

788 78 84.61

0.25013

3.99 998 80

15.9229

3.98 9828 28

9856..76 9856

.025010

3.99 .998 84

12322

0.2500 008 8

3.99 3. 9987 87

15. 5.9367 9367 15.9 5.94 481

3.9858 3.985 3.98 3.9 883

19255 1925 5 300 0089 89

0.2500 005 5 0.2 0. 2500 5003 3 0.25001

3.9992 3.99 3.999 3.99 95

15.9651 15.976 766 6

3.9921 3.9921 3.994 9947 7

3.999 9998 8

15.9915

3.99 9980 80

0.2 0. 25000

3.9999 3.99 99 4.000 4. 0000 0

15.9 5.996 969 9

3.9993 3.9997

0.25 0.2 500 000 0

de

valor presente PG

3

11 12

25

~

PIA

4

9.3132 11..64 11 641 15

~

AlP

L5625 L56 1.9531

5.9 .960 605 5 7.4506

~

Pagos de serie uniforme

n

8 9 10

799

15.9 15 .99 989

 

Tabla Tab lass de factores de interés rés compuesto puesto

800 80 0

3

T BL

6

Flujo de efectivo discreto; Factores de interés c0mpuesto '

'

Pagos únicos

,

/ ,

~ ~,f

Pagos de serie uniforme

,

 2

'

~

Gradientes Valor

y

3 y

ari rittméticos

Can Ca ntid ida ad

Valor

Recuperación

presente esente

Factor de amortización

Cantidad

comp com puesta

compue compu esta

de ca capital

presente

valor prese esen nte

serie anual

n

FI P

PI F

 l F

F /A

A lP

P /A

P IG

 l G

1

1.3000

0.7692

1.00000

1.0000

1.30000

2

1.6900

2.3000

0.73478

2.1 2. 1970

0.25063

3.9900

2.8561

0.3501 0.350 1

0.16163

6.1870 .1870

0.55063 0.46163

0.5917 1.5020

0.434 4348 8

3 4

0.59 591 17 0.4552

0.43478

5

3.7129

0.11058

9.0431

0.41058

6

4.826 268 8

0.2693 0.2072

2.16 .1662 2.4356

0.07839

12.7560

0.37839

2.6427

3.6297 4.6656

7

6.27 274 49

0.05687 0.04192

17.5828 23.8577

0.356 568 87 0.34192

2.8021 2.9247

5.6218 6.4800

0.7692 1.3 1.3609 1.8161

Gradi dien entte de

:

2.5524

Grad adiiente

0.8271 1.17 1.178 83 1.4903 1.4903 1.7654

8

8.157 8. 1573 3

0.1594 0.1226

9

10..6045 10

0.0943

0.03 0.0 3124

32.01 32.0 150

0.33124

3.0190

7.234 2343 3

2.3963

10

13.7 13. 7858

0.0725

0.02346

0.32346

3.09 091 15

17.92 17. 9216 16

0.01773

0.31773

3.1473

23..2981 23

0.0558 0.0429

7.8872 8.4452

2.55 551 12

11 12

42.6195 42.61 56.4 56 .4053 053

0.01345

74.3270

0.31345

3.1903

8.9173

2.7952

13

30.2 0.287 875 5

0.0330

0.01024

97.6250

2.8895

39..3738 39

0.0254

0.00782

127.9125

3.2233 3.2487

9.31 313 35

14

0.31024 0.30782

9.6 9. 6437

2.9685

15 16

51.185 1859 9 66..5417 66

0.0195 0.0150

0.00598 0.00458

167.2863 218.4722 218.

0.30598 0.30458

3.2682 3.2832

9.9172 10.1426

3.0344 3.03 3.0892

17

86.504 86. 5042 2 112.4554 112.

0.0116

0.00351

285.0139 285.01 371. 37 1.5 5180

0.30351

3.2948 3.3037

10.3276 10..4788 10

3.1345

0.30269

18 19 20 22

146.192 146.19 20 190.0496 321.18 321 1839 39

2.0063 2.2156

2.6833

3.1718

0.0089 0.0068

0.00269 0.00207

483.9734

0.30207

3.3105

10.6019

0.0053

0.00 001 159 0.00094

630.1 630. 1655 1067..28 1067

0.30159

3.3158 3.3230 3.3272

10.7019

3.2025 3.2275

10.8482

3.2646

10.9433

3.3286

10.9773

3.2890 3.2979

11.0045 11..0437 11

0.0031

24

542.8008

0.0018

0.00055

25

705.6410

0.0014

0.00043

26

917.3333

0.0011

28

1550.29

0.000 0.00 06

0.30094 0.30055 0.30043

0.00033

1806.00 2348.80 3054..44 3054

0.30033

3.3297

0.0 0. 00019

5164 64..31

0.30019

3.3312

30

2620.00

0.0004

4427.79

0.0002

0.0001 00011 1 0.00007

8729.99

32

14756

0.30011 0.30007

3.3321 3.3326

34

7482. 748 2.97 97

0.000 0001 1

0.00004

24940

0.30004

35

9727.86

0.000 0001 1

0.00003

32423

0.30003

11..0687 11

3.3 .3050 050 3.3153 3.3219 3.3261

3.3329

1l.0845 1l. 11.0945

3.3330

11..0980 11 0980··

3.3297

3.3288

de

 

Tabl Ta blaas de fact cto ores de interés compuesto

35

TABLA

 

801 80 1

Flu Fl ujo de efectivo discreto: Factores de interés compuesto

Pagos únicos

Pagos Pago s de ser erie ie uniform uniforme e

Gradientes aritmét tméticos icos

Cantiidad Cant

Valor

Fact cto or de

Canttidad Can

Recuper ecuperac ación ión

Valor

compu mpues esta ta

pres pre sente

amortiza rtizac ción

co com mpuest sta a

de capit pita al

presente

valor pr pres esen ente te

serie seri e anual

P IA

P IG

A/G

0.42 4255 55

Gradi Gr adient ente e

n

F/P

P/ F

A/F

F/ A

A/P

1

1.3500

0.7 0. 740 407 7

1.00000

1.0000

1.35000

0.7 .740 407 7

2

1.822 8225 5 2.460 604 4

0.5487 0.5487 0.4064

0.42553

2.35 2.3 500

0.23966

4.1725 4.172 5 6.6329 6.63 29

0.77553 0.58966

1.695 959 9

0.5487 1.3616

1.99 9969 69

2.2 2. 2648

3 4

35

3.3215 4.48 484 40

0.3011

0.15076

0.22 .2230 30

0.10 .10046

7

6.05 053 34 8.1722 8.172 2

0.1652 0.1224

8

11.0324

0.0906

9 10

14.8937 20.1066

0.067 0671 1

11

27.1 27. 1439

0.0 0.0368 368

12 13

36..6442 36 49.469 49. 4697 7

14

1.289 894 4

de

Grad adiiente de

0.8029 1.1 .134 341 1 1.42 422 20

0.50076 0.45046 0.41926

2.22 2200 00

3.1568 3.156 8

0.06926

9.95 9544 44 14.438 384 4

2.38 2. 385 52

1.669 698 8

0.04880

20..4919 20

0.39880

2.5075

3.9828 4.7170

0.03489

28.6640 28. 6640

0.38489

2.5982

5.35 351 15

2.0597 2.059 7

0.02519 0.0 0.01.832 1.832

39..6964 39

0.375 3751 19

2.6653

54.5902

2.7150

5.8886 6.3363

74.6967 74. 101.84 1.840 06

2.2094 2.33 3338 38 2.4364

0.0273

0.0 .01 1339 0.00982 0.00982

0. 0.3 36832 0. 0.36339 36339

0.0202

0.00722

138 13 8.4848

66.78 66.7 841

0.01 0.0 150

0.00532

187.95 954 44

15 16

0.15 158 1921 21. .718359

0.0111 0.0111 0.008 0.00 82

254.7385 254.73 344. 44.8 8970

17

0.0061

18

164 16 4.3138 221.8 221. 8236

0.00393 0.00 002 290 0.00214

0.0045

0.00158

19

299..461 299 4619 9 404.273 .2736 6

0.00 0033 33 0.0025

0.00117

20 22

0.0008 0.000 87

0.0014

24

736.788 736 .7886 6 134 342. 2.8 80

25

1812.78

26

2447 447..25

28

4460 460..11

30

5 6

0.049 .0497 7

6.7 6. 704 047 7

2.5205

2.8144

7.0049 7.2474 7.4421

0.35290

2.8255 2.8 2.8 .83 337

7.5974 7.7206

2.6889 2.72 .724 46

466.6 466. 6109

0.35214

2.8 .839 398 8

7.8180

2.7530

630.9 .924 247 7

2.844 8443 3 2.84 8476 76

7.8946 7.8 7.9547 7. 9547

2.77 775 56

852. 2.7 7483

0.35158 0.35 3511 117 7

1 152 52..21

0.350 3508 87

2.8501

8.001 0017 7

0.000 00048 48

2 102.25

2.8533

8.0669

2.8075 2.8272

0.0007

0.00026

2.855 2.8 550 0

8.1061

2.8393

0.0006

0.35019

2.85 2.8 556

0.0002

0.00008

1274 2740 0

0.35014 0.35014 0.3500 35008 8

2.8560 2.856 8565 5

8.1194 8.129 296 6

2.8433

0.000 0004 4

0.00 000 019 0.000 0.00 014

3833.71 3833.71 5 176. 76.50 50

0.35048 0.35048 0.35026

8.14 8.1 435

2.850 509 9

8128.55

0.0001

0.0000 00004 4

2322 3222 2

0.35004

2.8 .85 568

2.85 2.8 535

32

148 14 814

0.0001

0.00002

4232 324 4

0.35002

2.8 .85 569

8.15 .151 17 8.1565

34

2699 26 999 9

0.00001

77 137

0.35001

2.8570

8.1 8. 1594

2.8550 2.855 2.8 559 9

35

36449

0.00001

0.35001

2.857 571 1

8.1603

2.85 .8562 62

698 69 89.28

0.3 .359 598 82 0.35 0.3 5722

2.75 751 19 2.7792

1. 1.88 881 11

0.35532 0.35393

2.7994

2.588 2.5 889 9 2.644 6443 3

2.7 2. 793 935 5

2.8465

 

Tabla lass de fa factore ctoress de interé interéss compue mpuessto

8

4

TABLA

28

Flujo de efectivo discreto: Factores de interés compuesto ~,

Pagos únicos Can Ca ntidad compues compue sta

Valorr Valo present sente e

~

~

val alo or pr prese esen nte

serie anu nual al

PIA

PIG

AlG

0.510 5102 2 1.2391

0.4167

1.00000

1.0000

1.400 4000 00

1.96 9600 00

0.7143 0.714 3 0.51 0.5 102

0.41667

2.4000

0.81667

3

2.744 7440 0

0.36 0. 364 44

4.3600

4

0.2603

0.09 091 136

10.9456

6

3.84 841 16 5.3782 7.5295

0.22936 0.14 .140 077

7

10.54 541 14

0.0949

0.06126 0.061 0.04192

16.3238 23.8534

0.62936 0.62936 0.54077 0.49 491 136 0.46126

8

14..7579 14

0.0678

0.02 .029 907

34.3947

9 10

20.661 20.66 10

0.04 0. 0484 84

0.02034

7.104 040 0

0.01432

69.8 .81 137

0.0101 1013 3

0.41013

12

56.6939

0.0176

0.0071 00718 8

13

0.0126

0.00510

195. 5.9 9287

14

79.3715 111.1201

0.009 0090 0

0.00363

15 16

155 55..568 5681 1 217.7953

0.0064 0.0046

0.00259 0.00185

17

304.9135

0.00 0.0 033

18 19

426.878 8789 9

0.0023

597.6 7.63 304

0.0017

20

836..6826 836

22

1639. 639.90 90 3214.20

0.00 001 12 0.0006 0.00 000 03

12348 24201

32

4743 474 35

34

92972

35

0.0 .000 001 1

2.1680 2.168 0

49..1526 49

0.4071 0718 8 0.40 405 510

30

2.0352

2.3306

98.7391 98.739 139.2 39.2348 348

28

1.588 889 9 1.84 849 92

0.42907 0.42034

0.0 0. 0247

0.0002

0.7 .71 143 1.224 2245 5

2.2628

0.0346

6299.83

Valor

0.44192

0.41 414 432

26

'M'