Matematicas Financieras: Tablas de tasas factores financieros (2020)

Ing. José Moron Rossel – Docente Titular “C” - uagrm Página 2
PRESENTACION
En el proceso de calculó de operaciones financieras a interés compuesto se presentan casos donde los
reemplazos y calculo en las formulas o relaciones algebraicas requiere de agilidad y atención para no
cometer errores redondeo y otros de tipo practico.
Con el propósito de que en el proceso aprendizaje propio de la materia MAT250 y MAT300 se haga
más versátil en cuanto se refiere al cálculo de Operaciones Financieras Académicas, es esta
oportunidad presentamos un compendio de tablas financieras para el cálculo de:
- Tasas de Interés equivalente.
- Factores de cálculo Financiero.
Sin embargo el objetivo final del curso es que el alumno debe saber realizar cálculos financieros
aplicando medios digitales como ser las planillas de cálculo EXCEL.
LA PRESENTACION
CONTIENE:
 FORMULARIOS:
o Formulario de relaciones para el cálculo Algebraico
o Formulario de relaciones para el cálculo Estándar
 TASAS EQUIVALENTES:
o Efectivas anuales (i), en función de tasas nominales periódicas (m)
o Efectivas periódicas (i), en función de una tasa efectiva anual (i)
 FACTORES DE CÁLCULO FINANCIERO:
o Cantidad compuesta: F/P
o Valor presente: P/F
o Factor de amortización: A/F
o Cantidad compuesta: F/A
o Recuperación de capital: A/F
o Valor presente: P/A
o Gradiente de valor presente: P/G
o Gradiente de serie anual: A/G
ALUMNO: GRUPO:
Elaborado Por: Ing. José Morón Rossel Docente Titular “C”
Correo: jmoron@live.com Teléfono: 3704131
Pagina web: http://jmoronr.wordpress.com/
Aula Virtual: https://campus.chamilo.org
SANTA CRUZ BOLIVIA

RELACIONES PARA FLUJOS DE EFECTIVO DISCRETOS CON
CAPITALIZACION AL FINAL DEL PERIODO
TIPO FACTOR FORMULA NOTACION ESTANDAR
Cantidad única
F/P (1 )n
F P i  ( / , , )F P F P i n
P/F
1
1
n
P F
i
 
   
( / , , )P F P F i n
Serie Uniforme
P/A
(1 ) 1
(1 )
n
n
i
P A
i i
  
  
 
( / , , )P A P A i n
A/P
(1 )
(1 ) 1
n
n
i i
A P
i
 
  
  
( / , , )A P A P i n
F/A
(1 ) 1n
i
F A
i
  
  
 
( / , , )F A F A i n
A/F
(1 ) 1n
i
A F
i
 
  
  
( / , , )A F A F i n
Gradiente aritmético
P/G 2
(1 ) 1
(1 )
n
G n
i in
P G
i i
   
  
 
( / , , )GP G P G i n
A/G
1
(1 ) 1
G n
n
A G
i i
 
  
  
( / , , )GA G A G i n
Gradiente Geométrico
P/D,E 0
(1 ) (1 )
( )(1 )
n n
n
E i
P D
E i i
   
    
E i
OTRAS FORMULAS IMPORTANTES
TIPO FACTOR No D´ PERIODOS TASA
Para Cantidad única F/P o P/F
1
ln( ) ln( )
ln( )
F p
n
i



1n
F
i
p
 
Para serie uniforme P/A    
( )
ln ln
ln(1 )
P
Tiempo
A A Pi
n
i
 


Función implícita
F/A    
 ( )
ln ln
ln 1
F
Tiempo
Fi A A
n
i
 


Función implícita

TASAS EQUIVALENTES

m Año Semestre Cuatrimestre trimestre bimestre mes dia continuo
i 1 2 3 4 6 12 360 1000
1.0% 1.00% 0.50% 0.33% 0.25% 0.17% 0.083% 0.003% 0.001%
1.5% 1.50% 0.75% 0.50% 0.37% 0.25% 0.124% 0.004% 0.001%
2.0% 2.00% 1.00% 0.66% 0.50% 0.33% 0.165% 0.006% 0.002%
2.5% 2.50% 1.24% 0.83% 0.62% 0.41% 0.206% 0.007% 0.002%
3.0% 3.00% 1.49% 0.99% 0.74% 0.49% 0.247% 0.008% 0.003%
3.5% 3.50% 1.73% 1.15% 0.86% 0.58% 0.287% 0.010% 0.003%
4.0% 4.00% 1.98% 1.32% 0.99% 0.66% 0.327% 0.011% 0.004%
4.5% 4.50% 2.23% 1.48% 1.11% 0.74% 0.367% 0.012% 0.004%
5.0% 5.00% 2.47% 1.64% 1.23% 0.82% 0.407% 0.014% 0.005%
5.5% 5.50% 2.71% 1.80% 1.35% 0.90% 0.447% 0.015% 0.005%
6.0% 6.00% 2.96% 1.96% 1.47% 0.98% 0.487% 0.016% 0.006%
6.5% 6.50% 3.20% 2.12% 1.59% 1.06% 0.526% 0.017% 0.006%
7.0% 7.00% 3.44% 2.28% 1.71% 1.13% 0.565% 0.019% 0.007%
7.5% 7.50% 3.68% 2.44% 1.82% 1.21% 0.604% 0.020% 0.007%
8.0% 8.00% 3.92% 2.60% 1.94% 1.29% 0.643% 0.021% 0.008%
8.5% 8.50% 4.16% 2.76% 2.06% 1.37% 0.682% 0.023% 0.008%
9.0% 9.00% 4.40% 2.91% 2.18% 1.45% 0.721% 0.024% 0.009%
9.5% 9.50% 4.64% 3.07% 2.29% 1.52% 0.759% 0.025% 0.009%
10.0% 10.00% 4.88% 3.23% 2.41% 1.60% 0.797% 0.026% 0.010%
10.5% 10.50% 5.12% 3.38% 2.53% 1.68% 0.836% 0.028% 0.010%
11.0% 11.00% 5.36% 3.54% 2.64% 1.75% 0.873% 0.029% 0.010%
11.5% 11.50% 5.59% 3.70% 2.76% 1.83% 0.911% 0.030% 0.011%
12.0% 12.00% 5.83% 3.85% 2.87% 1.91% 0.949% 0.031% 0.011%
12.5% 12.50% 6.07% 4.00% 2.99% 1.98% 0.986% 0.033% 0.012%
13.0% 13.00% 6.30% 4.16% 3.10% 2.06% 1.02% 0.034% 0.012%
13.5% 13.50% 6.54% 4.31% 3.22% 2.13% 1.06% 0.035% 0.013%
14.0% 14.00% 6.77% 4.46% 3.33% 2.21% 1.10% 0.036% 0.013%
14.5% 14.50% 7.00% 4.62% 3.44% 2.28% 1.13% 0.038% 0.014%
15.0% 15.00% 7.24% 4.77% 3.56% 2.36% 1.171% 0.039% 0.014%
15.5% 15.50% 7.47% 4.92% 3.67% 2.43% 1.21% 0.040% 0.014%
16.0% 16.00% 7.70% 5.07% 3.78% 2.50% 1.24% 0.041% 0.015%
16.5% 16.50% 7.94% 5.22% 3.89% 2.58% 1.28% 0.042% 0.015%
17.0% 17.00% 8.17% 5.37% 4.00% 2.65% 1.32% 0.044% 0.016%
17.5% 17.50% 8.40% 5.52% 4.11% 2.72% 1.35% 0.045% 0.016%
18.0% 18.00% 8.63% 5.67% 4.22% 2.80% 1.39% 0.046% 0.017%
18.5% 18.50% 8.86% 5.82% 4.33% 2.87% 1.42% 0.047% 0.017%
19.0% 19.00% 9.09% 5.97% 4.44% 2.94% 1.46% 0.048% 0.017%
19.5% 19.50% 9.32% 6.12% 4.55% 3.01% 1.50% 0.049% 0.018%
20.0% 20.00% 9.54% 6.27% 4.66% 3.09% 1.531% 0.051% 0.018%
20.5% 20.50% 9.77% 6.41% 4.77% 3.16% 1.57% 0.052% 0.019%
21.0% 21.00% 10.00% 6.56% 4.88% 3.23% 1.60% 0.053% 0.019%
21.5% 21.50% 10.23% 6.71% 4.99% 3.30% 1.64% 0.054% 0.019%
22.0% 22.00% 10.45% 6.85% 5.10% 3.37% 1.67% 0.055% 0.020%
22.5% 22.50% 10.68% 7.00% 5.20% 3.44% 1.71% 0.056% 0.020%
23.0% 23.00% 10.91% 7.14% 5.31% 3.51% 1.74% 0.058% 0.021%
23.5% 23.50% 11.13% 7.29% 5.42% 3.58% 1.77% 0.059% 0.021%
24.0% 24.00% 11.36% 7.43% 5.53% 3.65% 1.81% 0.060% 0.022%
24.5% 24.50% 11.58% 7.58% 5.63% 3.72% 1.84% 0.061% 0.022%
25.0% 25.00% 11.80% 7.72% 5.74% 3.79% 1.88% 0.062% 0.022%
TASA EFECTIVA PERIODICA i(m), EN FUNCION DE LA TASA EFECTIVA ANUAL i=(a)

i/m 1 2 3 4 6 12 360 1000
1.0% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.01% 1.01%
1.5% 1.50% 1.51% 1.51% 1.51% 1.51% 1.51% 1.51% 1.51%
2.0% 2.00% 2.01% 2.01% 2.02% 2.02% 2.02% 2.02% 2.02%
2.5% 2.50% 2.52% 2.52% 2.52% 2.53% 2.53% 2.53% 2.53%
3.0% 3.00% 3.02% 3.03% 3.03% 3.04% 3.04% 3.05% 3.05%
3.5% 3.50% 3.53% 3.54% 3.55% 3.55% 3.56% 3.56% 3.56%
4.0% 4.00% 4.04% 4.05% 4.06% 4.07% 4.07% 4.08% 4.08%
4.5% 4.50% 4.55% 4.57% 4.58% 4.59% 4.59% 4.60% 4.60%
5.0% 5.00% 5.06% 5.08% 5.09% 5.11% 5.12% 5.13% 5.13%
5.5% 5.50% 5.58% 5.60% 5.61% 5.63% 5.64% 5.65% 5.65%
6.0% 6.00% 6.09% 6.12% 6.14% 6.15% 6.17% 6.18% 6.18%
6.5% 6.50% 6.61% 6.64% 6.66% 6.68% 6.70% 6.72% 6.72%
7.0% 7.00% 7.12% 7.16% 7.19% 7.21% 7.23% 7.25% 7.25%
7.5% 7.50% 7.64% 7.69% 7.71% 7.74% 7.76% 7.79% 7.79%
8.0% 8.00% 8.16% 8.22% 8.24% 8.27% 8.30% 8.33% 8.33%
8.5% 8.50% 8.68% 8.74% 8.77% 8.81% 8.84% 8.87% 8.87%
9.0% 9.00% 9.20% 9.27% 9.31% 9.34% 9.38% 9.42% 9.42%
9.5% 9.50% 9.73% 9.80% 9.84% 9.88% 9.92% 9.96% 9.97%
10.0% 10.00% 10.25% 10.34% 10.38% 10.43% 10.47% 10.52% 10.52%
10.5% 10.50% 10.78% 10.87% 10.92% 10.97% 11.02% 11.07% 11.07%
11.0% 11.00% 11.30% 11.41% 11.46% 11.52% 11.57% 11.63% 11.63%
11.5% 11.50% 11.83% 11.95% 12.01% 12.07% 12.13% 12.19% 12.19%
12.0% 12.00% 12.36% 12.49% 12.55% 12.62% 12.68% 12.75% 12.75%
12.5% 12.50% 12.89% 13.03% 13.10% 13.17% 13.24% 13.31% 13.31%
13.0% 13.00% 13.42% 13.57% 13.65% 13.72% 13.80% 13.88% 13.88%
13.5% 13.50% 13.96% 14.12% 14.20% 14.28% 14.37% 14.45% 14.45%
14.0% 14.00% 14.49% 14.66% 14.75% 14.84% 14.93% 15.02% 15.03%
14.5% 14.50% 15.03% 15.21% 15.31% 15.40% 15.50% 15.60% 15.60%
15.0% 15.00% 15.56% 15.76% 15.87% 15.97% 16.08% 16.18% 16.18%
15.5% 15.50% 16.10% 16.31% 16.42% 16.54% 16.65% 16.76% 16.76%
16.0% 16.00% 16.64% 16.87% 16.99% 17.11% 17.23% 17.35% 17.35%
16.5% 16.50% 17.18% 17.42% 17.55% 17.68% 17.81% 17.93% 17.94%
17.0% 17.00% 17.72% 17.98% 18.11% 18.25% 18.39% 18.53% 18.53%
17.5% 17.50% 18.27% 18.54% 18.68% 18.83% 18.97% 19.12% 19.12%
18.0% 18.00% 18.81% 19.10% 19.25% 19.41% 19.56% 19.72% 19.72%
18.5% 18.50% 19.36% 19.66% 19.82% 19.99% 20.15% 20.32% 20.32%
19.0% 19.00% 19.90% 20.23% 20.40% 20.57% 20.75% 20.92% 20.92%
19.5% 19.50% 20.45% 20.79% 20.97% 21.15% 21.34% 21.52% 21.53%
20.0% 20.00% 21.00% 21.36% 21.55% 21.74% 21.94% 22.13% 22.14%
20.5% 20.50% 21.55% 21.93% 22.13% 22.33% 22.54% 22.75% 22.75%
21.0% 21.00% 22.10% 22.50% 22.71% 22.93% 23.14% 23.36% 23.37%
21.5% 21.50% 22.66% 23.08% 23.30% 23.52% 23.75% 23.98% 23.98%
22.0% 22.00% 23.21% 23.65% 23.88% 24.12% 24.36% 24.60% 24.60%
22.5% 22.50% 23.77% 24.23% 24.47% 24.72% 24.97% 25.22% 25.23%
23.0% 23.00% 24.32% 24.81% 25.06% 25.32% 25.59% 25.85% 25.86%
23.5% 23.50% 24.88% 25.39% 25.65% 25.92% 26.20% 26.48% 26.49%
24.0% 24.00% 25.44% 25.97% 26.25% 26.53% 26.82% 27.11% 27.12%
24.5% 24.50% 26.00% 26.56% 26.84% 27.14% 27.45% 27.75% 27.76%
TASA EFECTIVA ANUAL i(a), EN FUNCION DE LA TASA NOMINAL j(m)

i/m 1 2 3 4 6 12 360 1000
1.0% 1.00% 0.50% 0.33% 0.25% 0.17% 0.08% 0.003% 0.001%
1.5% 1.50% 0.75% 0.50% 0.38% 0.25% 0.13% 0.004% 0.002%
2.0% 2.00% 1.00% 0.67% 0.50% 0.33% 0.17% 0.006% 0.002%
2.5% 2.50% 1.25% 0.83% 0.63% 0.42% 0.21% 0.007% 0.003%
3.0% 3.00% 1.50% 1.00% 0.75% 0.50% 0.25% 0.008% 0.003%
3.5% 3.50% 1.75% 1.17% 0.88% 0.58% 0.29% 0.010% 0.004%
4.0% 4.00% 2.00% 1.33% 1.00% 0.67% 0.33% 0.011% 0.004%
4.5% 4.50% 2.25% 1.50% 1.13% 0.75% 0.38% 0.013% 0.005%
5.0% 5.00% 2.50% 1.67% 1.25% 0.83% 0.42% 0.01% 0.01%
5.5% 5.50% 2.75% 1.83% 1.38% 0.92% 0.46% 0.015% 0.006%
6.0% 6.00% 3.00% 2.00% 1.50% 1.00% 0.50% 0.017% 0.006%
6.5% 6.50% 3.25% 2.17% 1.63% 1.08% 0.54% 0.018% 0.007%
7.0% 7.00% 3.50% 2.33% 1.75% 1.17% 0.58% 0.019% 0.007%
7.5% 7.50% 3.75% 2.50% 1.88% 1.25% 0.63% 0.021% 0.008%
8.0% 8.00% 4.00% 2.67% 2.00% 1.33% 0.67% 0.022% 0.008%
8.5% 8.50% 4.25% 2.83% 2.13% 1.42% 0.71% 0.024% 0.009%
9.0% 9.00% 4.50% 3.00% 2.25% 1.50% 0.75% 0.025% 0.009%
9.5% 9.50% 4.75% 3.17% 2.38% 1.58% 0.79% 0.026% 0.010%
10.0% 10.00% 5.00% 3.33% 2.50% 1.67% 0.83% 0.03% 0.01%
10.5% 10.50% 5.25% 3.50% 2.63% 1.75% 0.88% 0.029% 0.011%
11.0% 11.00% 5.50% 3.67% 2.75% 1.83% 0.92% 0.031% 0.011%
11.5% 11.50% 5.75% 3.83% 2.88% 1.92% 0.96% 0.032% 0.012%
12.0% 12.00% 6.00% 4.00% 3.00% 2.00% 1.00% 0.033% 0.012%
12.5% 12.50% 6.25% 4.17% 3.13% 2.08% 1.04% 0.035% 0.013%
13.0% 13.00% 6.50% 4.33% 3.25% 2.17% 1.08% 0.036% 0.013%
13.5% 13.50% 6.75% 4.50% 3.38% 2.25% 1.13% 0.038% 0.014%
14.0% 14.00% 7.00% 4.67% 3.50% 2.33% 1.17% 0.039% 0.014%
14.5% 14.50% 7.25% 4.83% 3.63% 2.42% 1.21% 0.040% 0.015%
15.0% 15.00% 7.50% 5.00% 3.75% 2.50% 1.25% 0.04% 0.02%
15.5% 15.50% 7.75% 5.17% 3.88% 2.58% 1.29% 0.043% 0.016%
16.0% 16.00% 8.00% 5.33% 4.00% 2.67% 1.33% 0.044% 0.016%
16.5% 16.50% 8.25% 5.50% 4.13% 2.75% 1.38% 0.046% 0.017%
17.0% 17.00% 8.50% 5.67% 4.25% 2.83% 1.42% 0.047% 0.017%
17.5% 17.50% 8.75% 5.83% 4.38% 2.92% 1.46% 0.049% 0.018%
18.0% 18.00% 9.00% 6.00% 4.50% 3.00% 1.50% 0.050% 0.018%
18.5% 18.50% 9.25% 6.17% 4.63% 3.08% 1.54% 0.051% 0.019%
19.0% 19.00% 9.50% 6.33% 4.75% 3.17% 1.58% 0.053% 0.019%
19.5% 19.50% 9.75% 6.50% 4.88% 3.25% 1.63% 0.054% 0.020%
20.0% 20.00% 10.00% 6.67% 5.00% 3.33% 1.67% 0.06% 0.02%
20.5% 20.50% 10.25% 6.83% 5.13% 3.42% 1.71% 0.057% 0.021%
21.0% 21.00% 10.50% 7.00% 5.25% 3.50% 1.75% 0.058% 0.021%
21.5% 21.50% 10.75% 7.17% 5.38% 3.58% 1.79% 0.060% 0.022%
22.0% 22.00% 11.00% 7.33% 5.50% 3.67% 1.83% 0.061% 0.022%
22.5% 22.50% 11.25% 7.50% 5.63% 3.75% 1.88% 0.063% 0.023%
23.0% 23.00% 11.50% 7.67% 5.75% 3.83% 1.92% 0.064% 0.023%
23.5% 23.50% 11.75% 7.83% 5.88% 3.92% 1.96% 0.065% 0.024%
24.0% 24.00% 12.00% 8.00% 6.00% 4.00% 2.00% 0.067% 0.024%
24.5% 24.50% 12.25% 8.17% 6.13% 4.08% 2.04% 0.068% 0.025%
25.0% 25.00% 12.50% 8.33% 6.25% 4.17% 2.08% 0.07% 0.03%
TASA EFECTIVA PERIODICA i(m), EN FUNCION DE LA TASA NOMINAL j(m)

i 1 2 3 4 6 12 360 1000
1.0% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 0.995% 0.995%
1.5% 1.50% 1.49% 1.49% 1.49% 1.49% 1.49% 1.489% 1.489%
2.0% 2.00% 1.99% 1.99% 1.99% 1.98% 1.98% 1.980% 1.980%
2.5% 2.50% 2.48% 2.48% 2.48% 2.47% 2.47% 2.469% 2.469%
3.0% 3.00% 2.98% 2.97% 2.97% 2.96% 2.96% 2.956% 2.956%
3.5% 3.50% 3.47% 3.46% 3.45% 3.45% 3.45% 3.440% 3.440%
4.0% 4.00% 3.96% 3.95% 3.94% 3.93% 3.93% 3.922% 3.922%
4.5% 4.50% 4.45% 4.43% 4.43% 4.42% 4.41% 4.402% 4.402%
5.0% 5.00% 4.94% 4.92% 4.91% 4.90% 4.89% 4.879% 4.879%
5.5% 5.50% 5.43% 5.40% 5.39% 5.38% 5.37% 5.354% 5.354%
6.0% 6.00% 5.91% 5.88% 5.87% 5.86% 5.84% 5.827% 5.827%
6.5% 6.50% 6.40% 6.36% 6.35% 6.33% 6.31% 6.298% 6.298%
7.0% 7.00% 6.88% 6.84% 6.82% 6.80% 6.78% 6.767% 6.766%
7.5% 7.50% 7.36% 7.32% 7.30% 7.28% 7.25% 7.233% 7.232%
8.0% 8.00% 7.85% 7.80% 7.77% 7.75% 7.72% 7.697% 7.696%
8.5% 8.50% 8.33% 8.27% 8.24% 8.21% 8.19% 8.159% 8.158%
9.0% 9.00% 8.81% 8.74% 8.71% 8.68% 8.65% 8.619% 8.618%
9.5% 9.50% 9.28% 9.21% 9.18% 9.14% 9.11% 9.077% 9.076%
10.0% 10.00% 9.76% 9.68% 9.65% 9.61% 9.57% 9.532% 9.531%
10.5% 10.50% 10.24% 10.15% 10.11% 10.07% 10.03% 9.986% 9.985%
11.0% 11.00% 10.71% 10.62% 10.57% 10.53% 10.48% 10.438% 10.437%
11.5% 11.50% 11.19% 11.09% 11.03% 10.98% 10.93% 10.887% 10.886%
12.0% 12.00% 11.66% 11.55% 11.49% 11.44% 11.39% 11.335% 11.334%
12.5% 12.50% 12.13% 12.01% 11.95% 11.89% 11.84% 11.780% 11.779%
13.0% 13.00% 12.60% 12.47% 12.41% 12.35% 12.28% 12.224% 12.223%
13.5% 13.50% 13.07% 12.93% 12.87% 12.80% 12.73% 12.665% 12.664%
14.0% 14.00% 13.54% 13.39% 13.32% 13.25% 13.17% 13.105% 13.104%
14.5% 14.50% 14.01% 13.85% 13.77% 13.69% 13.62% 13.543% 13.541%
15.0% 15.00% 14.48% 14.31% 14.22% 14.14% 14.06% 13.979% 13.977%
15.5% 15.50% 14.94% 14.76% 14.67% 14.58% 14.50% 14.413% 14.411%
16.0% 16.00% 15.41% 15.22% 15.12% 15.03% 14.93% 14.845% 14.843%
16.5% 16.50% 15.87% 15.67% 15.57% 15.47% 15.37% 15.275% 15.273%
17.0% 17.00% 16.33% 16.12% 16.01% 15.91% 15.80% 15.704% 15.702%
17.5% 17.50% 16.79% 16.57% 16.46% 16.35% 16.24% 16.130% 16.128%
18.0% 18.00% 17.26% 17.02% 16.90% 16.78% 16.67% 16.555% 16.553%
18.5% 18.50% 17.72% 17.46% 17.34% 17.22% 17.09% 16.978% 16.976%
19.0% 19.00% 18.17% 17.91% 17.78% 17.65% 17.52% 17.400% 17.397%
19.5% 19.50% 18.63% 18.35% 18.22% 18.08% 17.95% 17.819% 17.816%
20.0% 20.00% 19.09% 18.80% 18.65% 18.51% 18.37% 18.237% 18.234%
20.5% 20.50% 19.54% 19.24% 19.09% 18.94% 18.79% 18.653% 18.650%
21.0% 21.00% 20.00% 19.68% 19.52% 19.37% 19.21% 19.067% 19.064%
21.5% 21.50% 20.45% 20.12% 19.96% 19.79% 19.63% 19.480% 19.476%
22.0% 22.00% 20.91% 20.56% 20.39% 20.22% 20.05% 19.891% 19.887%
22.5% 22.50% 21.36% 21.00% 20.82% 20.64% 20.47% 20.300% 20.296%
23.0% 23.00% 21.81% 21.43% 21.25% 21.06% 20.88% 20.707% 20.704%
23.5% 23.50% 22.26% 21.87% 21.67% 21.48% 21.29% 21.113% 21.109%
24.0% 24.00% 22.71% 22.30% 22.10% 21.90% 21.71% 21.518% 21.513%
24.5% 24.50% 23.16% 22.73% 22.52% 22.32% 22.11% 21.920% 21.916%
25.0% 25.00% 23.61% 23.17% 22.95% 22.73% 22.52% 22.32% 22.32%
TASA NOMINAL j(m), EN FUNCION DE LA TASA EFECTIVA ANUAL i=(a)

FACTORES DE CALCULO
FINANCIERO

1%1.00%2%2.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.01000.99011.000001.00001.010000.99010.00000.000011.02000.98041.000001.00001.020000.98040.00000.0000
21.02010.98030.497512.01000.507511.97040.98030.497521.04040.96120.495052.02000.515051.94160.96120.4950
31.03030.97060.330023.03010.340022.94102.92150.993431.06120.94230.326753.06040.346752.88392.84580.9868
41.04060.96100.246284.06040.256283.90205.80441.487641.08240.92380.242624.12160.262623.80775.61731.4752
51.05100.95150.196045.10100.206044.85349.61031.980151.10410.90570.192165.20400.212164.71359.24031.9604
61.06150.94200.162556.15200.172555.795514.32052.471061.12620.88800.158536.30810.178535.601413.68012.4423
71.07210.93270.138637.21350.148636.728219.91682.960271.14870.87060.134517.43430.154516.472018.90352.9208
81.08290.92350.120698.28570.130697.651726.38123.447881.17170.85350.116518.58300.136517.325524.87793.3961
91.09370.91430.106749.36850.116748.566033.69593.933791.19510.83680.102529.75460.122528.162231.57203.8681
101.10460.90530.0955810.46220.105589.4713041.84354.4179101.21900.82030.0913310.94970.111338.9825938.95514.3367
111.11570.89630.0864511.56680.0964510.367650.80674.9005111.24340.80430.0821812.16870.102189.786846.99774.8021
121.12680.88740.0788512.68250.0888511.255160.56875.3815121.26820.78850.0745613.41210.0945610.575355.67125.2642
131.13810.87870.0724113.80930.0824112.133771.11265.8607131.29360.77300.0681214.68030.0881211.348464.94755.7231
141.14950.87000.0669014.94740.0769013.003782.42216.3384141.31950.75790.0626015.97390.0826012.106274.79996.1786
151.16100.86130.0621216.09690.0721213.865194.48106.8143151.34590.74300.0578317.29340.0778312.849385.20216.6309
161.17260.85280.0579417.25790.0679414.7179107.27347.2886161.37280.72840.0536518.63930.0736513.577796.12887.0799
171.18430.84440.0542618.43040.0642615.5623120.78347.7613171.40020.71420.0499720.01210.0699714.2919107.55547.5256
181.19610.83600.0509819.61470.0609816.3983134.99578.2323181.42820.70020.0467021.41230.0667014.9920119.45817.9681
191.20810.82770.0480520.81090.0580517.2260149.89508.7017191.45680.68640.0437822.84060.0637815.6785131.81398.4073
201.22020.81950.0454222.01900.0554218.04555165.46649.1694201.48590.67300.0411624.29740.0611616.35143144.60038.8433
211.23240.81140.0430323.23920.0530318.8570181.69509.6354211.51570.65980.0387825.78330.0587817.0112157.79599.2760
221.24470.80340.0408624.47160.0508619.6604198.566310.0998221.54600.64680.0366327.29900.0566317.6580171.37959.7055
231.25720.79540.0388925.71630.0488920.4558216.066010.5626231.57690.63420.0346728.84500.0546718.2922185.330910.1317
241.26970.78760.0370726.97350.0470721.2434234.180011.0237241.60840.62170.0328730.42190.0528718.9139199.630510.5547
251.28240.77980.0354128.24320.0454122.0232252.894511.4831251.64060.60950.0312232.03030.0512219.5235214.259210.9745
261.29530.77200.0338729.52560.0438722.7952272.195711.9409261.67340.59760.0297033.67090.0497020.1210229.198711.3910
271.30820.76440.0324530.82090.0424523.5596292.070212.3971271.70690.58590.0282935.34430.0482920.7069244.431111.8043
281.32130.75680.0311232.12910.0411224.3164312.504712.8516281.74100.57440.0269937.05120.0469921.2813259.939212.2145
291.33450.74930.0299033.45040.0399025.0658333.486313.3044291.77580.56310.0257838.79220.0457821.8444275.706412.6214
301.34780.74190.0287534.78490.0387525.80771355.002113.7557301.81140.55210.0246540.56810.0446522.39646291.716413.0251
311.36130.73460.0276836.13270.0376826.5423377.039414.2052311.84760.54120.0236042.37940.0436022.9377307.953813.4257
321.37490.72730.0266737.49410.0366727.2696399.585814.6532321.88450.53060.0226144.22700.0426123.4683324.403513.8230
331.38870.72010.0257338.86900.0357327.9897422.629115.0995331.92220.52020.0216946.11160.0416923.9886341.050814.2172
341.40260.71300.0248440.25770.0348428.7027446.157215.5441341.96070.51000.0208248.03380.0408224.4986357.881714.6083
351.41660.70590.0240041.66030.0340029.4086470.158315.9871351.99990.50000.0200049.99450.0400024.9986374.882614.9961
361.43080.69890.0232143.07690.0332130.1075494.620716.4285362.03990.49020.0192351.99440.0392325.4888392.040515.3809
371.44510.69200.0224744.50760.0324730.7995519.532916.8682372.08070.48060.0185154.03430.0385125.9695409.342415.7625
381.45950.68520.0217645.95270.0317631.4847544.883517.3063382.12230.47120.0178256.11490.0378226.4406426.776416.1409
391.47410.67840.0210947.41230.0310932.1630570.661617.7428392.16470.46190.0171758.23720.0371726.9026444.330416.5163
401.48890.67170.0204648.88640.0304632.8347596.856118.1776402.20800.45290.0165660.40200.0365627.3555461.993116.8885
481.610.62030.0163361.220.0263337.9740820.1521.5976482.590.38650.0126079.350.0326030.6731605.965719.7556
541.710.58430.0140671.140.0240641.56871,001.5724.0945542.910.34320.0104595.670.0304532.8383715.181521.7789
601.820.55040.0122481.670.0222444.95501,192.8126.5333603.280.30480.00877114.050.0287734.7609823.697523.6961
FACTORESDECALCULOPARAUNATASAEFECTIVADE:
PAGOSUNICOSPAGOSdeseriesuniformesGRADIENTES

3%3.00%4%4.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.03000.97091.000001.00001.030000.97090.00000.000011.04000.96151.000001.00001.040000.96150.00000.0000
21.06090.94260.492612.03000.522611.91350.94260.492621.08160.92460.490202.04000.530201.88610.92460.4902
31.09270.91510.323533.09090.353532.82862.77290.980331.12490.88900.320353.12160.360352.77512.70250.9739
41.12550.88850.239034.18360.269033.71715.43831.463141.16990.85480.235494.24650.275493.62995.26701.4510
51.15930.86260.188355.30910.218354.57978.88881.940951.21670.82190.184635.41630.224634.45188.55471.9216
61.19410.83750.154606.46840.184605.417213.07622.413861.26530.79030.150766.63300.190765.242112.50622.3857
71.22990.81310.130517.66250.160516.230317.95472.881971.31590.75990.126617.89830.166616.002117.06572.8433
81.26680.78940.112468.89230.142467.019723.48063.345081.36860.73070.108539.21420.148536.732722.18063.2944
91.30480.76640.0984310.15910.128437.786129.61193.803291.42330.70260.0944910.58280.134497.435327.80133.7391
101.34390.74410.0872311.46390.117238.5302036.30884.2565101.48020.67560.0832912.00610.123298.1109033.88144.1773
111.38420.72240.0780812.80780.108089.252643.53304.7049111.53950.64960.0741513.48640.114158.760540.37724.6090
121.42580.70140.0704614.19200.100469.954051.24825.1485121.60100.62460.0665515.02580.106559.385147.24775.0343
131.46850.68100.0640315.61780.0940310.635059.41965.5872131.66510.60060.0601416.62680.100149.985654.45465.4533
141.51260.66110.0585317.08630.0885311.296168.01416.0210141.73170.57750.0546718.29190.0946710.563161.96185.8659
151.55800.64190.0537718.59890.0837711.937977.00026.4500151.80090.55530.0499420.02360.0899411.118469.73556.2721
161.60470.62320.0496120.15690.0796112.561186.34776.8742161.87300.53390.0458221.82450.0858211.652377.74416.6720
171.65280.60500.0459521.76160.0759513.166196.02807.2936171.94790.51340.0422023.69750.0822012.165785.95817.0656
181.70240.58740.0427123.41440.0727113.7535106.01377.7081182.02580.49360.0389925.64540.0789912.659394.34987.4530
191.75350.57030.0398125.11690.0698114.3238116.27888.1179192.10680.47460.0361427.67120.0761413.1339102.89337.8342
201.80610.55370.0372226.87040.0672214.87747126.79878.5229202.19110.45640.0335829.77810.0735813.59033111.56478.2091
211.86030.53750.0348728.67650.0648715.4150137.54968.9231212.27880.43880.0312831.96920.0712814.0292120.34148.5779
221.91610.52190.0327530.53680.0627515.9369148.50949.3186222.36990.42200.0292034.24800.0692014.4511129.20248.9407
231.97360.50670.0308132.45290.0608116.4436159.65669.7093232.46470.40570.0273136.61790.0673114.8568138.12849.2973
242.03280.49190.0290534.42650.0590516.9355170.971110.0954242.56330.39010.0255939.08260.0655915.2470147.10129.6479
252.09380.47760.0274336.45930.0574317.4131182.433610.4768252.66580.37510.0240141.64590.0640115.6221156.10409.9925
262.15660.46370.0259438.55300.0559417.8768194.026010.8535262.77250.36070.0225744.31170.0625715.9828165.121210.3312
272.22130.45020.0245640.70960.0545618.3270205.730911.2255272.88340.34680.0212447.08420.0612416.3296174.138510.6640
282.28790.43710.0232942.93090.0532918.7641217.532011.5930282.99870.33350.0200149.96760.0600116.6631183.142410.9909
292.35660.42430.0221145.21890.0521119.1885229.413711.9558293.11870.32070.0188852.96630.0588816.9837192.120611.3120
302.42730.41200.0210247.57540.0510219.60044241.361312.3141303.24340.30830.0178356.08490.0578317.29203201.061811.6274
312.50010.40000.0200050.00270.0500020.0004253.360912.6678313.37310.29650.0168659.32830.0568617.5885209.955611.9371
322.57510.38830.0190552.50280.0490520.3888265.399313.0169323.50810.28510.0159562.70150.0559517.8736218.792412.2411
332.65230.37700.0181655.07780.0481620.7658277.464213.3616333.64840.27410.0151066.20950.0551018.1476227.563412.5396
342.73190.36600.0173257.73020.0473221.1318289.543713.7018343.79430.26360.0143169.85790.0543118.4112236.260712.8324
352.81390.35540.0165460.46210.0465421.4872301.626714.0375353.94610.25340.0135873.65220.0535818.6646244.876813.1198
362.89830.34500.0158063.27590.0458021.8323313.702814.3688364.10390.24370.0128977.59830.0528918.9083253.405213.4018
372.98520.33500.0151166.17420.0451122.1672325.762214.6957374.26810.23430.0122481.70220.0522419.1426261.839913.6784
383.07480.32520.0144669.15940.0444622.4925337.795615.0182384.43880.22530.0116385.97030.0516319.3679270.175413.9497
393.16700.31580.0138472.23420.0438422.8082349.794215.3363394.61640.21660.0110690.40910.0510619.5845278.407014.2157
403.26200.30660.0132675.40130.0432623.1148361.749915.6502404.80100.20830.0105295.02550.0505219.7928286.530314.4765
484.130.24200.00958104.410.0395825.2667455.0318.0089486.570.15220.00718139.260.0471821.1951347.244616.3832
544.930.20270.00763131.140.0376326.5777521.1219.6073548.310.12030.00547182.850.0454721.9930387.443617.6167
605.890.16970.00613163.050.0361327.6756583.0521.06746010.520.09510.00420237.990.0442022.6235422.996618.6972

5%5.00%6%6.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.05000.95241.000001.00001.050000.95240.00000.000011.06000.94341.000001.00001.060000.94340.00000.0000
21.10250.90700.487802.05000.537801.85940.90700.487821.12360.89000.485442.06000.545441.83340.89000.4854
31.15760.86380.317213.15250.367212.72322.63470.967531.19100.83960.314113.18360.374112.67302.56920.9612
41.21550.82270.232014.31010.282013.54605.10281.439141.26250.79210.228594.37460.288593.46514.94551.4272
51.27630.78350.180975.52560.230974.32958.23691.902551.33820.74730.177405.63710.237404.21247.93451.8836
61.34010.74620.147026.80190.197025.075711.96802.357961.41850.70500.143366.97530.203364.917311.45942.3304
71.40710.71070.122828.14200.172825.786416.23212.805271.50360.66510.119148.39380.179145.582415.44972.7676
81.47750.67680.104729.54910.154726.463220.97003.244581.59380.62740.101049.89750.161046.209819.84163.1952
91.55130.64460.0906911.02660.140697.107826.12683.675891.68950.59190.0870211.49130.147026.801724.57683.6133
101.62890.61390.0795012.57790.129507.7217331.65204.0991101.79080.55840.0758713.18080.135877.3600929.60234.0220
111.71030.58470.0703914.20680.120398.306437.49884.5144111.89830.52680.0667914.97160.126797.886934.87024.4213
121.79590.55680.0628315.91710.112838.863343.62414.9219122.01220.49700.0592816.86990.119288.383840.33694.8113
131.88560.53030.0564617.71300.106469.393649.98795.3215132.13290.46880.0529618.88210.112968.852745.96295.1920
141.97990.50510.0510219.59860.101029.898656.55385.7133142.26090.44230.0475821.01510.107589.295051.71285.5635
152.07890.48100.0463421.57860.0963410.379763.28806.0973152.39660.41730.0429623.27600.102969.712257.55465.9260
162.18290.45810.0422723.65750.0922710.837870.15976.4736162.54040.39360.0389525.67250.0989510.105963.45926.2794
172.29200.43630.0387025.84040.0887011.274177.14056.8423172.69280.37140.0354428.21290.0954410.477369.40116.6240
182.40660.41550.0355528.13240.0855511.689684.20437.2034182.85430.35030.0323630.90570.0923610.827675.35696.9597
192.52700.39570.0327530.53900.0827512.085391.32757.5569193.02560.33050.0296233.76000.0896211.158181.30627.2867
202.65330.37690.0302433.06600.0802412.4622198.48847.9030203.20710.31180.0271836.78560.0871811.4699287.23047.6051
212.78600.35890.0280035.71930.0780012.8212105.66738.2416213.39960.29420.0250039.99270.0850011.764193.11367.9151
222.92530.34180.0259738.50520.0759713.1630112.84618.5730223.60350.27750.0230543.39230.0830512.041698.94128.2166
233.07150.32560.0241441.43050.0741413.4886120.00878.8971233.81970.26180.0212846.99580.0812812.3034104.70078.5099
243.22510.31010.0224744.50200.0724713.7986127.14029.2140244.04890.24700.0196850.81560.0796812.5504110.38128.7951
253.38640.29530.0209547.72710.0709514.0939134.22759.5238254.29190.23300.0182354.86450.0782312.7834115.97329.0722
263.55570.28120.0195651.11350.0695614.3752141.25859.8266264.54940.21980.0169059.15640.0769013.0032121.46849.3414
273.73350.26780.0182954.66910.0682914.6430148.222610.1224274.82230.20740.0157063.70580.0757013.2105126.86009.6029
283.92010.25510.0171258.40260.0671214.8981155.110110.4114285.11170.19560.0145968.52810.0745913.4062132.14209.8568
294.11610.24290.0160562.32270.0660515.1411161.912610.6936295.41840.18460.0135873.63980.0735813.5907137.309610.1032
304.32190.23140.0150566.43880.0650515.37245168.622610.9691305.74350.17410.0126579.05820.0726513.76483142.358810.3422
314.53800.22040.0141370.76080.0641315.5928175.233311.2381316.08810.16430.0117984.80170.0717913.9291147.286410.5740
324.76490.20990.0132875.29880.0632815.8027181.739211.5005326.45340.15500.0110090.88980.0710014.0840152.090110.7988
335.00320.19990.0124980.06380.0624916.0025188.135111.7566336.84060.14620.0102797.34320.0702714.2302156.768111.0166
345.25330.19040.0117685.06700.0617616.1929194.416812.0063347.25100.13790.00960104.18380.0696014.3681161.319211.2276
355.51600.18130.0110790.32030.0610716.3742200.580712.2498357.68610.13010.00897111.43480.0689714.4982165.742711.4319
365.79180.17270.0104395.83630.0604316.5469206.623712.4872368.14730.12270.00839119.12090.0683914.6210170.038711.6298
376.08140.16440.00984101.62810.0598416.7113212.543412.7186378.63610.11580.00786127.26810.0678614.7368174.207211.8213
386.38550.15660.00928107.70950.0592816.8679218.337812.9440389.15430.10920.00736135.90420.0673614.8460178.249012.0065
396.70480.14910.00876114.09500.0587617.0170224.005413.1636399.70350.10310.00689145.05850.0668914.9491182.165212.1857
407.04000.14200.00828120.79980.0582817.1591229.545213.37754010.28570.09720.00646154.76200.0664615.0463185.956812.3590
4810.400.09610.00532188.030.0553218.0772269.2514.89434816.390.06100.00390256.560.0639015.6500212.035113.5485
5413.940.07170.00386258.770.0538618.5651293.8215.82655423.260.04300.00270370.920.0627015.9500227.131614.2402
6018.680.05350.00283353.580.0528318.9293314.3416.60626032.990.03030.00188533.130.0618816.1614239.042814.7909

7%7.00%8%8.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.07000.93461.000001.00001.070000.93460.00000.000011.08000.92591.000001.00001.080000.92590.00000.0000
21.14490.87340.483092.07000.553091.80800.87340.483121.16640.85730.480772.08000.560771.78330.85730.4808
31.22500.81630.311053.21490.381052.62432.50600.954931.25970.79380.308033.24640.388032.57712.44500.9487
41.31080.76290.225234.43990.295233.38724.79471.415541.36050.73500.221924.50610.301923.31214.65011.4040
51.40260.71300.173895.75070.243894.10027.64671.865051.46930.68060.170465.86660.250463.99277.37241.8465
61.50070.66630.139807.15330.209804.766510.97842.303261.58690.63020.136327.33590.216324.622910.52332.2763
71.60580.62270.115558.65400.185555.389314.71492.730471.71380.58350.112078.92280.192075.206414.02422.6937
81.71820.58200.0974710.25980.167475.971318.78893.146581.85090.54030.0940110.63660.174015.746617.80613.0985
91.83850.54390.0834911.97800.153496.515223.14043.551791.99900.50020.0800812.48760.160086.246921.80813.4910
101.96720.50830.0723813.81640.142387.0235827.71563.9461102.15890.46320.0690314.48660.149036.7100825.97683.8713
112.10490.47510.0633615.78360.133367.498732.46654.3296112.33160.42890.0600816.64550.140087.139030.26574.2395
122.25220.44400.0559017.88850.125907.942737.35064.7025122.51820.39710.0527018.97710.132707.536134.63394.5957
132.40980.41500.0496520.14060.119658.357742.33025.0648132.71960.36770.0465221.49530.126527.903839.04634.9402
142.57850.38780.0443422.55050.114348.745547.37185.4167142.93720.34050.0413024.21490.121308.244243.47235.2731
152.75900.36240.0397925.12900.109799.107952.44615.7583153.17220.31520.0368327.15210.116838.559547.88575.5945
162.95220.33870.0358627.88810.105869.446657.52716.0897163.42590.29190.0329830.32430.112988.851452.26405.9046
173.15880.31660.0324330.84020.102439.763262.59236.4110173.70000.27030.0296333.75020.109639.121656.58836.2037
183.37990.29590.0294133.99900.0994110.059167.62196.7225183.99600.25020.0267037.45020.106709.371960.84266.4920
193.61650.27650.0267537.37900.0967510.335672.59917.0242194.31570.23170.0241341.44630.104139.603665.01346.7697
203.86970.25840.0243940.99550.0943910.5940177.50917.3163204.66100.21450.0218545.76200.101859.8181569.08987.0369
214.14060.24150.0222944.86520.0922910.835582.33937.5990215.03380.19870.0198350.42290.0998310.016873.06297.2940
224.43040.22570.0204149.00570.0904111.061287.07937.8725225.43650.18390.0180355.45680.0980310.200776.92577.5412
234.74050.21090.0187153.43610.0887111.272291.72018.1369235.87150.17030.0164260.89330.0964210.371180.67267.7786
245.07240.19710.0171958.17670.0871911.469396.25458.3923246.34120.15770.0149866.76480.0949810.528884.29978.0066
255.42740.18420.0158163.24900.0858111.6536100.67658.6391256.84850.14600.0136873.10590.0936810.674887.80418.2254
265.80740.17220.0145668.67650.0845611.8258104.98148.8773267.39640.13520.0125179.95440.0925110.810091.18428.4352
276.21390.16090.0134374.48380.0834311.9867109.16569.1072277.98810.12520.0114587.35080.0914510.935294.43908.6363
286.64880.15040.0123980.69770.0823912.1371113.22649.3289288.62710.11590.0104995.33880.0904911.051197.56878.8289
297.11430.14060.0114587.34650.0814512.2777117.16229.5427299.31730.10730.00962103.96590.0896211.1584100.57389.0133
307.61230.13140.0105994.46080.0805912.40904120.97189.74873010.06270.09940.00883113.28320.0888311.25778103.45589.1897
318.14510.12280.00980102.07300.0798012.5318124.65509.94713110.86770.09200.00811123.34590.0881111.3498106.21639.3584
328.71530.11470.00907110.21820.0790712.6466128.212010.13813211.73710.08520.00745134.21350.0874511.4350108.85759.5197
339.32530.10720.00841118.93340.0784112.7538131.643510.32193312.67600.07890.00685145.95060.0868511.5139111.38199.6737
349.97810.10020.00780128.25880.0778012.8540134.950710.49873413.69010.07300.00630158.62670.0863011.5869113.79249.8208
3510.67660.09370.00723138.23690.0772312.9477138.135310.66873514.78530.06760.00580172.31680.0858011.6546116.09209.9611
3611.42390.08750.00672148.91350.0767213.0352141.199010.83213615.96820.06260.00534187.10210.0853411.7172118.283910.0949
3712.22360.08180.00624160.33740.0762413.1170144.144110.98913717.24560.05800.00492203.07030.0849211.7752120.371310.2225
3813.07930.07650.00580172.56100.0758013.1935146.973011.13983818.62530.05370.00454220.31590.0845411.8289122.357910.3440
3913.99480.07150.00539185.64030.0753913.2649149.688311.28453920.11530.04970.00419238.94120.0841911.8786124.247010.4597
4014.97450.06680.00501199.63510.0750113.3317152.292811.42334021.72450.04600.00386259.05650.0838611.9246126.042210.5699
4825.730.03890.00283353.270.0728313.7305169.5012.34474840.210.02490.00204490.130.0820412.1891137.442811.2758
5438.610.02590.00186537.320.0718613.9157178.8212.85005463.810.01570.00127785.110.0812712.3041143.222911.6403
6057.950.01730.00123813.520.0712314.0392185.7713.232160101.260.00990.000801,253.210.0808012.3766147.300011.9015

9%9.00%10%10.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.09000.91741.000001.00001.090000.91740.00000.000011.10000.90911.000001.00001.100000.90910.00000.0000
21.18810.84170.478472.09000.568471.75910.84170.478521.21000.82640.476192.10000.576191.73550.82640.4762
31.29500.77220.305053.27810.395052.53132.38600.942631.33100.75130.302113.31000.402112.48692.32910.9366
41.41160.70840.218674.57310.308673.23974.51131.392541.46410.68300.215474.64100.315473.16994.37811.3812
51.53860.64990.167095.98470.257093.88977.11101.828251.61050.62090.163806.10510.263803.79086.86181.8101
61.67710.59630.132927.52330.222924.485910.09242.249861.77160.56450.129617.71560.229614.35539.68422.2236
71.82800.54700.108699.20040.198695.033013.37462.657471.94870.51320.105419.48720.205414.868412.76312.6216
81.99260.50190.0906711.02850.180675.534816.88773.051282.14360.46650.0874411.43590.187445.334916.02873.0045
92.17190.46040.0768013.02100.166805.995220.57113.431292.35790.42410.0736413.57950.173645.759019.42153.3724
102.36740.42240.0658215.19290.155826.4176624.37283.7978102.59370.38550.0627515.93740.162756.1445722.89133.7255
112.58040.38750.0569517.56030.146956.805228.24814.1510112.85310.35050.0539618.53120.153966.495126.39634.0641
122.81270.35550.0496520.14070.139657.160732.15904.4910123.13840.31860.0467621.38430.146766.813729.90124.3884
133.06580.32620.0435722.95340.133577.486936.07314.8182133.45230.28970.0407824.52270.140787.103433.37724.6988
143.34170.29920.0384326.01920.128437.786239.96335.1326143.79750.26330.0357527.97500.135757.366736.80054.9955
153.64250.27450.0340629.36090.124068.060743.80695.4346154.17720.23940.0314731.77250.131477.606140.15205.2789
163.97030.25190.0303033.00340.120308.312647.58495.7245164.59500.21760.0278235.94970.127827.823743.41645.5493
174.32760.23110.0270536.97370.117058.543651.28216.0024175.05450.19780.0246640.54470.124668.021646.58195.8071
184.71710.21200.0242141.30130.114218.755654.88606.2687185.55990.17990.0219345.59920.121938.201449.63956.0526
195.14170.19450.0217346.01850.111738.950158.38686.5236196.11590.16350.0195551.15910.119558.364952.58276.2861
205.60440.17840.0195551.16010.109559.1285561.77706.7674206.72750.14860.0174657.27500.117468.5135655.40696.5081
216.10880.16370.0176256.76450.107629.292265.05097.0006217.40020.13510.0156264.00250.115628.648758.10956.7189
226.65860.15020.0159062.87330.105909.442468.20487.2232228.14030.12280.0140171.40270.114018.771560.68936.9189
237.25790.13780.0143869.53190.104389.580271.23597.4357238.95430.11170.0125779.54300.112578.883263.14627.1085
247.91110.12640.0130276.78980.103029.706674.14337.6384249.84970.10150.0113088.49730.111308.984765.48137.2881
258.62310.11600.0118184.70090.101819.822676.92657.83162510.83470.09230.0101798.34710.110179.077067.69647.4580
269.39920.10640.0107293.32400.100729.929079.58638.01562611.91820.08390.00916109.18180.109169.160969.79407.6186
2710.24510.09760.00973102.72310.0997310.026682.12418.19062713.11000.07630.00826121.09990.108269.237271.77737.7704
2811.16710.08950.00885112.96820.0988510.116184.54198.35712814.42100.06930.00745134.20990.107459.306673.64957.9137
2912.17220.08220.00806124.13540.0980610.198386.84228.51542915.86310.06300.00673148.63090.106739.369675.41468.0489
3013.26770.07540.00734136.30750.0973410.2736589.02808.66573017.44940.05730.00608164.49400.106089.4269177.07668.1762
3114.46180.06910.00669149.57520.0966910.342891.10248.80833119.19430.05210.00550181.94340.105509.479078.63958.2962
3215.76330.06340.00610164.03700.0961010.406293.06908.94363221.11380.04740.00497201.13780.104979.526480.10788.4091
3317.18200.05820.00556179.80030.0955610.464494.93149.07183323.22520.04310.00450222.25150.104509.569481.48568.5152
3418.72840.05340.00508196.98230.0950810.517896.69359.19333425.54770.03910.00407245.47670.104079.608682.77738.6149
3520.41400.04900.00464215.71080.0946410.566898.35909.30833528.10240.03560.00369271.02440.103699.644283.98728.7086
3622.25120.04490.00424236.12470.0942410.611899.93199.41713630.91270.03230.00334299.12680.103349.676585.11948.7965
3724.25380.04120.00387258.37590.0938710.6530101.41629.52003734.00390.02940.00303330.03950.103039.705986.17818.8789
3826.43670.03780.00354282.62980.0935410.6908102.81589.61723837.40430.02670.00275364.04340.102759.732787.16738.9562
3928.81600.03470.00324309.06650.0932410.7255104.13459.70903941.14480.02430.00249401.44780.102499.757088.09089.0285
4031.40940.03180.00296337.88240.0929610.7574105.37629.79574045.25930.02210.00226442.59260.102269.779188.95259.0962
4862.590.01600.00146684.280.0914610.9336112.9610.33174897.020.01030.00104960.170.101049.896994.02179.5001
54104.960.00950.000871,155.130.0908711.0053116.5610.591754171.870.00580.000591,708.720.100599.941896.27639.6840
60176.030.00570.000511,944.790.0905111.0480118.9710.768360304.480.00330.000333,034.820.100339.967297.70109.8023

11%11.00%12%12.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.11000.90091.000001.00001.110000.90090.00000.000011.12000.89291.000001.00001.120000.89290.00000.0000
21.23210.81160.473932.11000.583931.71250.81160.473921.25440.79720.471702.12000.591701.69010.79720.4717
31.36760.73120.299213.34210.409212.44372.27400.930631.40490.71180.296353.37440.416352.40182.22080.9246
41.51810.65870.212334.70970.322333.10244.25021.370041.57350.63550.209234.77930.329233.03734.12731.3589
51.68510.59350.160576.22780.270573.69596.62401.792351.76230.56740.157416.35280.277413.60486.39701.7746
61.87040.53460.126387.91290.236384.23059.29722.197661.97380.50660.123238.11520.243234.11148.93022.1720
72.07620.48170.102229.78330.212224.712212.18722.586372.21070.45230.0991210.08900.219124.563811.64432.5515
82.30450.43390.0843211.85940.194325.146115.22462.958582.47600.40390.0813012.29970.201304.967614.47142.9131
92.55800.39090.0706014.16400.180605.537018.35203.314492.77310.36060.0676814.77570.187685.328217.35633.2574
102.83940.35220.0598016.72200.169805.8892321.52173.6544103.10580.32200.0569817.54870.176985.6502220.25413.5847
113.15180.31730.0511219.56140.161126.206524.69453.9788113.47850.28750.0484220.65460.168425.937723.12883.8953
123.49850.28580.0440322.71320.154036.492427.83884.2879123.89600.25670.0414424.13310.161446.194425.95234.1897
133.88330.25750.0381526.21160.148156.749930.92904.5822134.36350.22920.0356828.02910.155686.423528.70244.4683
144.31040.23200.0332330.09490.143236.981933.94494.8619144.88710.20460.0308732.39260.150876.628231.36244.7317
154.78460.20900.0290734.40540.139077.190936.87095.1275155.47360.18270.0268237.27970.146826.810933.92024.9803
165.31090.18830.0255239.18990.135527.379239.69535.3794166.13040.16310.0233942.75330.143396.974036.36705.2147
175.89510.16960.0224744.50080.132477.548842.40955.6180176.86600.14560.0204648.88370.140467.119638.69735.4353
186.54360.15280.0198450.39590.129847.701645.00745.8439187.69000.13000.0179455.74970.137947.249740.90805.6427
197.26330.13770.0175656.93950.127567.839347.48566.0574198.61280.11610.0157663.43970.135767.365842.99795.8375
208.06230.12400.0155864.20280.125587.9633349.84236.2590209.64630.10370.0138872.05240.133887.4694444.96766.0202
218.94920.11170.0138472.26510.123848.075152.07716.44912110.80380.09260.0122481.69870.132247.562046.81886.1913
229.93360.10070.0123181.21430.122318.175754.19126.62832212.10030.08260.0108192.50260.130817.644648.55436.3514
2311.02630.09070.0109791.14790.120978.266456.18646.79692313.55230.07380.00956104.60290.129567.718450.17766.5010
2412.23920.08170.00979102.17420.119798.348158.06566.95552415.17860.06590.00846118.15520.128467.784351.69296.6406
2513.58550.07360.00874114.41330.118748.421759.83227.10452517.00010.05880.00750133.33390.127507.843153.10466.7708
2615.07990.06630.00781127.99880.117818.488161.49007.24432619.04010.05250.00665150.33390.126657.895754.41776.8921
2716.73860.05970.00699143.07860.116998.547863.04337.37542721.32490.04690.00590169.37400.125907.942655.63697.0049
2818.57990.05380.00626159.81730.116268.601664.49657.49822823.88390.04190.00524190.69890.125247.984456.76747.1098
2920.62370.04850.00561178.39720.115618.650165.85427.61312926.74990.03740.00466214.58280.124668.021857.81417.2071
3022.89230.04370.00502199.02090.115028.6937967.12107.72063029.95990.03340.00414241.33270.124148.0551858.78217.2974
3125.41040.03940.00451221.91320.114518.733168.30167.82103133.55510.02980.00369271.29260.123698.085059.67617.3811
3228.20560.03550.00404247.32360.114048.768669.40077.91473237.58170.02660.00328304.84770.123288.111660.50107.4586
3331.30820.03190.00363275.52920.113638.800570.42288.00213342.09150.02380.00292342.42940.122928.135461.26127.5302
3434.75210.02880.00326306.83740.113268.829371.37248.08363447.14250.02120.00260384.52100.122608.156661.96127.5965
3538.57490.02590.00293341.58960.112938.855272.25388.15943552.79960.01890.00232431.66350.122328.175562.60527.6577
3642.81810.02340.00263380.16440.112638.878673.07128.23003659.13560.01690.00206484.46310.122068.192463.19707.7141
3747.52810.02100.00236422.98250.112368.899673.82868.29573766.23180.01510.00184543.59870.121848.207563.74067.7661
3852.75620.01900.00213470.51060.112138.918674.53008.35673874.17970.01350.00164609.83050.121648.221064.23947.8141
3958.55930.01710.00191523.26670.111918.935775.17898.41333983.08120.01200.00146684.01020.121468.233064.69677.8582
4065.00090.01540.00172581.82610.111728.951175.77898.46594093.05100.01070.00130767.09140.121308.243865.11597.8988
48149.800.00670.000741,352.700.110749.030279.188.768348230.390.00430.000521,911.590.120528.297267.40688.1241
54280.180.00360.000392,538.020.110399.058580.608.897554454.750.00220.000263,781.250.120268.315068.30228.2143
60524.060.00190.000214,755.070.110219.073681.458.976260897.600.00110.000137,471.640.120138.324068.81008.2664

13%13.00%14%14.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.13000.88501.000001.00001.130000.88500.00000.000011.14000.87721.000001.00001.140000.87720.00000.0000
21.27690.78310.469482.13000.599481.66810.78310.469521.29960.76950.467292.14000.607291.64670.76950.4673
31.44290.69310.293523.40690.423522.36122.16920.918731.48150.67500.290733.43960.430732.32162.11940.9129
41.63050.61330.206194.84980.336192.97454.00921.347941.68900.59210.203204.92110.343202.91373.89571.3370
51.84240.54280.154316.48030.284313.51726.18021.757151.92540.51940.151286.61010.291283.43315.97311.7399
62.08200.48030.120158.32270.250153.99758.58182.146862.19500.45560.117168.53550.257163.88878.25112.1218
72.35260.42510.0961110.40470.226114.422611.13222.517172.50230.39960.0931910.73050.233194.288310.64892.4832
82.65840.37620.0783912.75730.208394.798813.76532.868582.85260.35060.0755713.23280.215574.638913.10282.8246
93.00400.33290.0648715.41570.194875.131716.42843.201493.25190.30750.0621716.08530.202174.946415.56293.1463
103.39460.29460.0542918.41970.184295.4262419.07973.5162103.70720.26970.0517119.33730.191715.2161217.99063.4490
113.83590.26070.0458421.81430.175845.686921.68673.8134114.22620.23660.0433923.04450.183395.452720.35673.7333
124.33450.23070.0389925.65020.168995.917624.22444.0936124.81790.20760.0366727.27070.176675.660322.63993.9998
134.89800.20420.0333529.98470.163356.121826.67444.3573135.49240.18210.0311632.08870.171165.842424.82474.2491
145.53480.18070.0286734.88270.158676.302529.02324.6050146.26130.15970.0266137.58110.166616.002126.90094.4819
156.25430.15990.0247440.41750.154746.462431.26174.8375157.13790.14010.0228143.84240.162816.142228.86234.6990
167.06730.14150.0214346.67170.151436.603933.38415.0552168.13720.12290.0196250.98040.159626.265130.70574.9011
177.98610.12520.0186153.73910.148616.729135.38765.2589179.27650.10780.0169259.11760.156926.372932.43055.0888
189.02430.11080.0162061.72510.146206.839937.27145.44911810.57520.09460.0146268.39410.154626.467434.03805.2630
1910.19740.09810.0141370.74940.144136.938039.03665.62651912.05570.08290.0126678.96920.152666.550435.53115.4243
2011.52310.08680.0123580.94680.142357.0247540.68545.79172013.74350.07280.0109991.02490.150996.6231336.91355.5734
2113.02110.07680.0108192.46990.140817.101642.22145.94542115.66760.06380.00954104.76840.149546.687038.19015.7111
2214.71380.06800.00948105.49100.139487.169543.64866.08812217.86100.05600.00830120.43600.148306.742939.36585.8381
2316.62660.06010.00832120.20480.138327.229744.97186.22052320.36160.04910.00723138.29700.147236.792140.44635.9549
2418.78810.05320.00731136.83150.137317.282946.19606.34312423.21220.04310.00630158.65860.146306.835141.43716.0624
2521.23050.04710.00643155.61960.136437.330047.32646.45662526.46190.03780.00550181.87080.145506.872942.34416.1610
2623.99050.04170.00565176.85010.135657.371748.36856.56142630.16660.03310.00480208.33270.144806.906143.17286.2514
2727.10930.03690.00498200.84060.134987.408649.32766.65822734.38990.02910.00419238.49930.144196.935243.92896.3342
2830.63350.03260.00439227.94990.134397.441250.20906.74742839.20450.02550.00366272.88920.143666.960744.61766.4100
2934.61580.02890.00387258.58340.133877.470151.01796.82962944.69310.02240.00320312.09370.143206.983045.24416.4791
3039.11590.02560.00341293.19920.133417.4956551.75926.90523050.95020.01960.00280356.78680.142807.0026645.81326.5423
3144.20100.02260.00301332.31510.133017.518352.43806.97473158.08320.01720.00245407.73700.142457.019946.32976.5998
3249.94710.02000.00266376.51610.132667.538353.05867.03853266.21480.01510.00215465.82020.142157.035046.79796.6522
3356.44020.01770.00234426.46320.132347.556053.62567.09713375.48490.01320.00188532.03500.141887.048247.22186.6998
3463.77740.01570.00207482.90340.132077.571754.14307.15073486.05280.01160.00165607.51990.141657.059947.60536.7431
3572.06850.01390.00183546.68080.131837.585654.61487.19983598.10020.01020.00144693.57270.141447.070047.95196.7824
3681.43740.01230.00162618.74930.131627.597955.04467.244836111.83420.00890.00126791.67290.141267.079048.26496.8180
3792.02430.01090.00143700.18670.131437.608755.43587.285837127.49100.00780.00111903.50710.141117.086848.54726.8503
38103.98740.00960.00126792.21100.131267.618355.79167.323338145.33970.00690.000971,030.99810.140977.093748.80186.8796
39117.50580.00850.00112896.19840.131127.626856.11507.357639165.68730.00600.000851,176.33780.140857.099749.03126.9060
40132.78160.00750.000991,013.70420.130997.634456.40877.388840188.88350.00530.000751,342.02510.140757.105049.23766.9300
48352.990.00280.000372,707.630.130377.670557.967.555948538.810.00190.000263,841.480.140267.129650.28947.0536
54734.910.00140.000185,645.480.130187.681858.537.6187541,182.670.00080.000128,440.470.140127.136850.65117.0972
601,530.050.00070.0000911,761.950.130097.687358.837.6531602,595.920.00040.0000518,535.130.140057.140150.83577.1197

15%15.00%16%16.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.15000.86961.000001.00001.150000.86960.00000.000011.16000.86211.000001.00001.160000.86210.00000.0000
21.32250.75610.465122.15000.615121.62570.75610.465121.34560.74320.462962.16000.622961.60520.74320.4630
31.52090.65750.287983.47250.437982.28322.07120.907131.56090.64070.285263.50560.445262.24592.02450.9014
41.74900.57180.200274.99340.350272.85503.78641.326341.81060.55230.197385.06650.357382.79823.68141.3156
52.01140.49720.148326.74240.298323.35225.77511.722852.10030.47610.145416.87710.305413.27435.58581.7060
62.31310.43230.114248.75370.264243.78457.93682.097262.43640.41040.111398.97750.271393.68477.63802.0729
72.66000.37590.0903611.06680.240364.160410.19242.449872.82620.35380.0876111.41390.247614.03869.76102.4169
83.05900.32690.0728513.72680.222854.487312.48072.781383.27840.30500.0702214.24010.230224.343611.89622.7388
93.51790.28430.0595716.78580.209574.771614.75483.092293.80300.26300.0570817.51850.217084.606513.99983.0391
104.04560.24720.0492520.30370.199255.0187716.97953.3832104.41140.22670.0469021.32150.206904.8332316.03993.3187
114.65240.21490.0410724.34930.191075.233719.12893.6549115.11730.19540.0388625.73290.198865.028617.99413.5783
125.35030.18690.0344829.00170.184485.420621.18493.9082125.93600.16850.0324130.85020.192415.197119.84723.8189
136.15280.16250.0291134.35190.179115.583123.13524.1438136.88580.14520.0271836.78620.187185.342321.58994.0413
147.07570.14130.0246940.50470.174695.724524.97254.3624147.98750.12520.0229043.67200.182905.467523.21754.2464
158.13710.12290.0210247.58040.171025.847426.69304.5650159.26550.10790.0193651.65950.179365.575524.72844.4352
169.35760.10690.0179555.71750.167955.954228.29604.75221610.74800.09300.0164160.92500.176415.668526.12414.6086
1710.76130.09290.0153765.07510.165376.047229.78284.92511712.46770.08020.0139571.67300.173955.748727.40744.7676
1812.37550.08080.0131975.83640.163196.128031.15655.08431814.46250.06910.0118884.14070.171885.817828.58284.9130
1914.23180.07030.0113488.21180.161346.198232.42135.23071916.77650.05960.0101498.60320.170145.877529.65575.0457
2016.36650.06110.00976102.44360.159766.2593333.58225.36512019.46080.05140.00867115.37970.168675.9288430.63215.1666
2118.82150.05310.00842118.81010.158426.312534.64485.48832122.57450.04430.00742134.84050.167425.973131.51805.2766
2221.64470.04620.00727137.63160.157276.358735.61505.60102226.18640.03820.00635157.41500.166356.011332.32005.3765
2324.89150.04020.00628159.27640.156286.398836.49885.70402330.37620.03290.00545183.60140.165456.044233.04425.4671
2428.62520.03490.00543184.16780.155436.433837.30235.79792435.23640.02840.00467213.97760.164676.072633.69705.5490
2532.91900.03040.00470212.79300.154706.464138.03145.88342540.87420.02450.00401249.21400.164016.097134.28415.6230
2637.85680.02640.00407245.71200.154076.490638.69185.96122647.41410.02110.00345290.08830.163456.118234.81145.6898
2743.53530.02300.00353283.56880.153536.513539.28906.03192755.00040.01820.00296337.50240.162966.136435.28415.7500
2850.06560.02000.00306327.10410.153066.533539.82836.09602863.80040.01570.00255392.50280.162556.152035.70735.8041
2957.57550.01740.00265377.16970.152656.550940.31466.15412974.00850.01350.00219456.30320.162196.165636.08565.8528
3066.21180.01510.00230434.74510.152306.5659840.75266.20663085.84990.01160.00189530.31170.161896.1772036.42345.8964
3176.14350.01310.00200500.95690.152006.579141.14666.25413199.58590.01000.00162616.16160.161626.187236.72475.9356
3287.56510.01140.00173577.10050.151736.590541.50066.297032115.51960.00870.00140715.74750.161406.195936.99305.9706
33100.69980.00990.00150664.66550.151506.600541.81846.335733134.00270.00750.00120831.26710.161206.203437.23186.0019
34115.80480.00860.00131765.36540.151316.609142.10336.370534155.44320.00640.00104965.26980.161046.209837.44416.0299
35133.17550.00750.00113881.17020.151136.616642.35866.401935180.31410.00550.000891,120.71300.160896.215337.63276.0548
36153.15190.00650.000991,014.34570.150996.623142.58726.430136209.16430.00480.000771,301.02700.160776.220137.80006.0771
37176.12460.00570.000861,167.49750.150866.628842.79166.455437242.63060.00410.000661,510.19140.160666.224237.94846.0969
38202.54330.00490.000741,343.62220.150746.633842.97436.478138281.45150.00360.000571,752.82200.160576.227838.07996.1145
39232.92480.00430.000651,546.16550.150656.638043.13746.498539326.48380.00310.000492,034.27350.160496.230938.19636.1302
40267.86350.00370.000561,779.09030.150566.641843.28306.516840378.72120.00260.000422,360.75720.160426.233538.29926.1441
48819.400.00120.000185,456.000.150186.658544.006.6080481,241.610.00080.000137,753.780.160136.245038.78946.2113
541,895.320.00050.0000812,628.820.150086.663144.236.6382543,025.040.00030.0000518,900.260.160056.247938.93806.2321
604,384.000.00020.0000329,219.990.150036.665144.346.6530607,370.200.00010.0000246,057.510.160026.249239.00636.2419

17%17.00%18%18.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.17000.85471.000001.00001.170000.85470.00000.000011.18000.84751.000001.00001.180000.84750.00000.0000
21.36890.73050.460832.17000.630831.58520.73050.460821.39240.71820.458722.18000.638721.56560.71820.4587
31.60160.62440.282573.53890.452572.20961.97930.895831.64300.60860.279923.57240.459922.17431.93540.8902
41.87390.53370.194535.14050.364532.74323.58021.305141.93880.51580.191745.21540.371742.69013.48281.2947
52.19240.45610.142567.01440.312563.19935.40461.689352.28780.43710.139787.15420.319783.12725.23121.6728
62.56520.38980.108619.20680.278613.58927.35382.048962.69960.37040.105919.44200.285913.49767.08342.0252
73.00120.33320.0849511.77200.254953.92249.35302.384573.18550.31390.0823612.14150.262363.81158.96702.3526
83.51150.28480.0676914.77330.237694.207211.34652.696983.75890.26600.0652415.32700.245244.077610.82922.6558
94.10840.24340.0546918.28470.224694.450613.29372.987094.43550.22550.0523919.08590.232394.303012.63292.9358
104.80680.20800.0446622.39310.214664.6586015.16613.2555105.23380.19110.0425123.52130.222514.4940914.35253.1936
115.62400.17780.0367627.19990.206764.836416.94423.5035116.17590.16190.0347828.75510.214784.656015.97163.4303
126.58010.15200.0304732.82390.200474.988418.61593.7318127.28760.13720.0286334.93110.208634.793217.48113.6470
137.69870.12990.0253839.40400.195385.118320.17463.9417138.59940.11630.0236942.21870.203694.909518.87653.8449
149.00750.11100.0212347.10270.191235.229321.61784.13401410.14720.09850.0196850.81800.199685.008120.15764.0250
1510.53870.09490.0178256.11010.187825.324222.94634.30981511.97370.08350.0164060.96530.196405.091621.32694.1887
1612.33030.08110.0150066.64880.185005.405324.16284.47021614.12900.07080.0137172.93900.193715.162422.38854.3369
1714.42650.06930.0126678.97920.182665.474625.27194.61621716.67220.06000.0114987.06800.191495.222323.34824.4708
1816.87900.05920.0107193.40560.180715.533926.27904.74881819.67330.05080.00964103.74030.189645.273224.21234.5916
1919.74840.05060.00907110.28460.179075.584527.19054.86891923.21440.04310.00810123.41350.188105.316224.98774.7003
2023.10560.04330.00769130.03290.177695.6277728.01284.97762027.39300.03650.00682146.62800.186825.3527525.68134.7978
2127.03360.03700.00653153.13850.176535.664828.75265.07572132.32380.03090.00575174.02100.185755.383726.30004.8851
2231.62930.03160.00555180.17210.175555.696429.41665.16412238.14210.02620.00485206.34480.184855.409926.85064.9632
2337.00620.02700.00472211.80130.174725.723430.01115.24362345.00760.02220.00409244.48680.184095.432127.33945.0329
2443.29730.02310.00402248.80760.174025.746530.54235.31492453.10900.01880.00345289.49450.183455.450927.77255.0950
2550.65780.01970.00342292.10490.173425.766231.01605.37892562.66860.01600.00292342.60350.182925.466928.15555.1502
2659.26970.01690.00292342.76270.172925.783131.43785.43622673.94900.01350.00247405.27210.182475.480428.49355.1991
2769.34550.01440.00249402.03230.172495.797531.81285.48732787.25980.01150.00209479.22110.182095.491928.79155.2425
2881.13420.01230.00212471.37780.172125.809932.14565.532928102.96660.00970.00177566.48090.181775.501629.05375.2810
2994.92710.01050.00181552.51210.171815.820432.44055.573629121.50050.00820.00149669.44750.181495.509829.28425.3149
30111.06470.00900.00154647.43910.171545.8293932.70165.609830143.37060.00700.00126790.94800.181265.5168129.48645.3448
31129.94560.00770.00132758.50380.171325.837132.93255.641931169.17740.00590.00107934.31860.181075.522729.66385.3712
32152.03640.00660.00113888.44940.171135.843733.13645.670532199.62930.00500.000911,103.49600.180915.527729.81915.3945
33177.88260.00560.000961,040.48580.170965.849333.31635.695833235.56250.00420.000771,303.12530.180775.532029.95495.4149
34208.12260.00480.000821,218.36840.170825.854133.47485.718234277.96380.00360.000651,538.68780.180655.535630.07365.4328
35243.50350.00410.000701,426.49100.170705.858233.61455.738035327.99730.00300.000551,816.65160.180555.538630.17735.4485
36284.89910.00350.000601,669.99450.170605.861733.73735.755536387.03680.00260.000472,144.64890.180475.541230.26775.4623
37333.33190.00300.000511,954.89360.170515.864733.84535.771037456.70340.00220.000392,531.68570.180395.543430.34655.4744
38389.99830.00260.000442,288.22550.170445.867333.94025.784738538.91000.00190.000332,988.38910.180335.545230.41525.4849
39456.29800.00220.000372,678.22380.170375.869534.02355.796739635.91390.00160.000283,527.29920.180285.546830.47495.4941
40533.86870.00190.000323,134.52180.170325.871334.09655.807340750.37830.00130.000244,163.21300.180245.548230.52695.5022
481,874.660.00050.0000911,021.500.170095.879234.435.8567482,820.570.00040.0000615,664.260.180065.553630.75875.5385
544,808.800.00020.0000428,281.160.170045.881134.535.8711547,614.270.00010.0000242,295.960.180025.554830.82075.5485
6012,335.360.00010.0000172,555.040.170015.881934.575.87756020,555.140.00000.00001114,189.670.180015.555330.84655.5526

19%19.00%20%20.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.19000.84031.000001.00001.190000.84030.00000.000011.20000.83331.000001.00001.200000.83330.00000.0000
21.41610.70620.456622.19000.646621.54650.70620.456621.44000.69440.454552.20000.654551.52780.69440.4545
31.68520.59340.277313.60610.467312.13991.89300.884631.72800.57870.274733.64000.474732.10651.85190.8791
42.00530.49870.188995.29130.378992.63863.38901.284442.07360.48230.186295.36800.386292.58873.29861.2742
52.38640.41900.137057.29660.327053.05765.06521.656652.48830.40190.134387.44160.334382.99064.90611.6405
62.83980.35210.103279.68300.293273.40986.82592.001962.98600.33490.100719.92990.300713.32556.58061.9788
73.37930.29590.0798512.52270.269853.70578.60142.321173.58320.27910.0774212.91590.277423.60468.25512.2902
84.02140.24870.0628915.90200.252893.954410.34212.615484.29980.23260.0606116.49910.260613.83729.88312.5756
94.78540.20900.0501919.92340.240194.163312.01382.885695.15980.19380.0480820.79890.248084.031011.43352.8364
105.69470.17560.0404724.70890.230474.3389313.59433.1331106.19170.16150.0385225.95870.238524.1924712.88713.0739
116.77670.14760.0328930.40350.222894.486515.06993.3589117.43010.13460.0311032.15040.231104.327114.23303.2893
128.06420.12400.0269037.18020.216904.610516.43403.5645128.91610.11220.0252639.58050.225264.439215.46673.4841
139.59640.10420.0221045.24450.212104.714717.68443.75091310.69930.09350.0206248.49660.220624.532716.58833.6597
1411.41980.08760.0182354.84090.208234.802318.82283.91961412.83920.07790.0168959.19590.216894.610617.60083.8175
1513.58950.07360.0150966.26070.205094.875919.85304.07171515.40700.06490.0138872.03510.213884.675518.50953.9588
1616.17150.06180.0125279.85020.202524.937720.78064.20861618.48840.05410.0114487.44210.211444.729619.32084.0851
1719.24410.05200.0104196.02180.200414.989721.61204.33141722.18610.04510.00944105.93060.209444.774620.04194.1976
1822.90050.04370.00868115.26590.198685.033322.35434.44131826.62330.03760.00781128.11670.207814.812220.68054.2975
1927.25160.03670.00724138.16640.197245.070023.01484.53941931.94800.03130.00646154.74000.206464.843521.24394.3861
2032.42940.03080.00605165.41800.196055.1008623.60074.62682038.33760.02610.00536186.68800.205364.8695821.73954.4643
2138.59100.02590.00505197.84740.195055.126824.11904.70452146.00510.02170.00444225.02560.204444.891322.17424.5334
2245.92330.02180.00423236.43850.194235.148624.57634.77342255.20610.01810.00369271.03070.203694.909422.55464.5941
2354.64870.01830.00354282.36180.193545.166824.97884.83442366.24740.01510.00307326.23690.203074.924522.88674.6475
2465.03200.01540.00297337.01050.192975.182225.33254.88832479.49680.01260.00255392.48420.202554.937123.17604.6943
2577.38810.01290.00249402.04250.192495.195125.64264.93592595.39620.01050.00212471.98110.202124.947623.42764.7352
2692.09180.01090.00209479.43060.192095.206025.91414.977726114.47550.00870.00176567.37730.201764.956323.64604.7709
27109.58930.00910.00175571.52240.191755.215126.15145.014527137.37060.00730.00147681.85280.201474.963623.83534.8020
28130.41120.00770.00147681.11160.191475.222826.35845.046828164.84470.00610.00122819.22330.201224.969723.99914.8291
29155.18930.00640.00123811.52280.191235.229226.53885.075129197.81360.00510.00102984.06800.201024.974724.14064.8527
30184.67530.00540.00103966.71220.191035.2346626.69585.099830237.37630.00420.000851,181.88160.200854.9789424.26284.8731
31219.76360.00460.000871,151.38750.190875.239226.83245.121531284.85160.00350.000701,419.25790.200704.982424.36814.8908
32261.51870.00380.000731,371.15110.190735.243026.95095.140332341.82190.00290.000591,704.10950.200594.985424.45884.9061
33311.20730.00320.000611,632.66980.190615.246227.05375.156833410.18630.00240.000492,045.93140.200494.987824.53684.9194
34370.33660.00270.000511,943.87710.190515.248927.14285.171134492.22350.00200.000412,456.11760.200414.989824.60384.9308
35440.70060.00230.000432,314.21370.190435.251227.22005.183635590.66820.00170.000342,948.34110.200344.991524.66144.9406
36524.43370.00190.000362,754.91430.190365.253127.28675.194436708.80190.00140.000283,539.00940.200284.992924.71084.9491
37624.07610.00160.000303,279.34810.190305.254727.34445.203837850.56220.00120.000244,247.81120.200244.994124.75314.9564
38742.65060.00130.000263,903.42420.190265.256127.39425.2119381,020.67470.00100.000205,098.37350.200204.995124.78944.9627
39883.75420.00110.000224,646.07480.190225.257227.43725.2190391,224.80960.00080.000166,119.04820.200164.995924.82044.9681
401,051.66750.00100.000185,529.82900.190185.258227.47435.2251401,469.77160.00070.000147,343.85780.200144.996624.84694.9728
484,229.160.00020.0000422,253.480.190045.261927.635.2518486,319.750.00020.0000331,593.740.200034.999224.95814.9924
5412,009.800.00010.0000263,204.230.190025.262727.675.25875418,870.670.00010.0000194,348.340.200014.999724.98444.9971
6034,104.970.00000.00001179,494.580.190015.263027.695.26146056,347.510.00000.00000281,732.570.200004.999924.99424.9989

21%21.00%22%22.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.21000.82641.000001.00001.210000.82640.00000.000011.22000.81971.000001.00001.220000.81970.00000.0000
21.46410.68300.452492.21000.662491.50950.68300.452521.48840.67190.450452.22000.670451.49150.67190.4505
31.77160.56450.272183.67410.482182.07391.81200.873731.81580.55070.269663.70840.489662.04221.77330.8683
42.14360.46650.183635.44570.393632.54043.21151.264142.21530.45140.181025.52420.401022.49363.12751.2542
52.59370.38550.131777.58920.341772.92604.75371.624652.70270.37000.129217.73960.349212.86364.60751.6090
63.13840.31860.0982010.18300.308203.24466.34681.956163.29730.30330.0957610.44230.315763.16696.12391.9337
73.79750.26330.0750713.32140.285073.50797.92682.259774.02270.24860.0727813.73960.292783.41557.61542.2297
84.59500.21760.0584117.11890.268413.72569.45022.536684.90770.20380.0563017.76230.276303.61939.04172.4982
95.55990.17990.0460521.71390.256053.905410.88912.788295.98740.16700.0441122.67000.264113.786310.37792.7409
106.72750.14860.0366727.27380.246674.0540812.22693.0159107.30460.13690.0348928.65740.254893.9231811.61002.9593
118.14030.12280.0294134.00130.239414.176913.45533.2213118.91170.11220.0278135.96200.247814.035412.73213.1551
129.84970.10150.0237342.14160.233734.278414.57213.40591210.87220.09200.0222844.87370.242284.127413.74383.3299
1311.91820.08390.0192351.99130.229234.362415.57903.57121313.26410.07540.0179455.74590.237944.202814.64853.4855
1414.42100.06930.0156563.90950.225654.431716.48043.71881416.18220.06180.0144969.01000.234494.264615.45193.6233
1517.44940.05730.0127778.33050.222774.489017.28283.85001519.74230.05070.0117485.19220.231744.315216.16103.7451
1621.11380.04740.0104495.77990.220444.536417.99323.96641624.08560.04150.00953104.93450.229534.356716.78383.8524
1725.54770.03910.00855116.89370.218554.575518.61954.06941729.38440.03400.00775129.02010.227754.390817.32833.9465
1830.91270.03230.00702142.44130.217024.607919.16944.16021835.84900.02790.00631158.40450.226314.418717.80254.0289
1937.40430.02670.00577173.35400.215774.634619.65064.24001943.73580.02290.00515194.25350.225154.441518.21414.1009
2045.25930.02210.00474210.75840.214744.6566920.07044.31002053.35760.01870.00420237.98930.224204.4602718.57024.1635
2154.76370.01830.00391256.01760.213914.675020.43564.37132165.09630.01540.00343291.34690.223434.475618.87744.2178
2266.26410.01510.00322310.78130.213224.690020.75264.42482279.41750.01260.00281356.44320.222814.488219.14184.2649
2380.17950.01250.00265377.04540.212654.702521.02694.47142396.88940.01030.00229435.86070.222294.498519.36894.3056
2497.01720.01030.00219457.22490.212194.712821.26404.511924118.20500.00850.00188532.75010.221884.507019.56354.3407
25117.39090.00850.00180554.24220.211804.721321.46854.547125144.21010.00690.00154650.95510.221544.513919.72994.3709
26142.04290.00700.00149671.63300.211494.728421.64454.577626175.93640.00570.00126795.16530.221264.519619.87204.3968
27171.87190.00580.00123813.67590.211234.734221.79574.603927214.64240.00470.00103971.10160.221034.524319.99314.4191
28207.96510.00480.00101985.54790.211014.739021.92564.626628261.86370.00380.000841,185.74400.220844.528120.09624.4381
29251.63770.00400.000841,193.51290.210844.743022.03684.646229319.47370.00310.000691,447.60770.220694.531220.18394.4544
30304.48160.00330.000691,445.15070.210694.7462722.13214.663130389.75790.00260.000571,767.08130.220574.5337920.25834.4683
31368.42280.00270.000571,749.63230.210574.749022.21354.677531475.50460.00210.000462,156.83920.220464.535920.32144.4801
32445.79160.00220.000472,118.05510.210474.751222.28304.690032580.11560.00170.000382,632.34390.220384.537620.37484.4902
33539.40780.00190.000392,563.84670.210394.753122.34244.700633707.74110.00140.000313,212.45950.220314.539020.42004.4988
34652.68340.00150.000323,103.25450.210324.754622.39294.709734863.44410.00120.000263,920.20060.220264.540220.45824.5060
35789.74700.00130.000273,755.93790.210274.755922.43604.7175351,053.40180.00090.000214,783.64470.220214.541120.49054.5122
36955.59380.00100.000224,545.68480.210224.756922.47264.7242361,285.15020.00080.000175,837.04660.220174.541920.51784.5174
371,156.26850.00090.000185,501.27870.210184.757822.50374.7299371,567.88330.00060.000147,122.19680.220144.542620.54074.5218
381,399.08490.00070.000156,657.54720.210154.758522.53024.7347381,912.81760.00050.000128,690.08010.220124.543120.56014.5256
391,692.89270.00060.000128,056.63210.210124.759122.55264.7389392,333.63750.00040.0000910,602.89780.220094.543520.57634.5287
402,048.40020.00050.000109,749.52480.210104.759622.57174.7424402,847.03780.00040.0000812,936.53530.220084.543920.59004.5314
489,412.340.00010.0000244,815.920.210024.761422.654.75684813,972.430.00010.0000263,506.490.220024.545120.64414.5420
5429,539.970.00000.00001140,661.740.210014.761722.674.76015446,071.340.00000.00000209,410.640.220004.545420.65544.5443
6092,709.070.00000.00000441,466.990.210004.761922.674.761360151,911.220.00000.00000690,500.980.220004.545420.65924.5451

23%23.00%24%24.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.23000.81301.000001.00001.230000.81300.00000.000011.24000.80651.000001.00001.240000.80650.00000.0000
21.51290.66100.448432.23000.678431.47400.66100.448421.53760.65040.446432.24000.686431.45680.65040.4464
31.86090.53740.267173.74290.497172.01141.73580.863031.90660.52450.264723.77760.504721.98131.69930.8577
42.28890.43690.178455.60380.408452.44833.04641.244342.36420.42300.175935.68420.415932.40432.96831.2346
52.81530.35520.126707.89260.356702.80354.46721.593552.93160.34110.124258.04840.364252.74544.33271.5782
63.46280.28880.0933910.70790.323393.09235.91121.911663.63520.27510.0910710.98010.331073.02055.70811.8898
74.25930.23480.0705714.17080.300573.32707.31982.200174.50770.22180.0684214.61530.308423.24237.03922.1710
85.23890.19090.0542618.43000.284263.51798.65602.460585.58950.17890.0522919.12290.292293.42128.29152.4236
96.44390.15520.0422523.66900.272253.67319.89752.694696.93100.14430.0404724.71250.280473.56559.44582.6492
107.92590.12620.0332130.11280.263213.7992711.03302.9040108.59440.11640.0316031.64340.271603.6818610.49302.8499
119.74890.10260.0262938.03880.256293.901812.05883.09051110.65710.09380.0248540.23790.264853.775711.43133.0276
1211.99120.08340.0209347.78770.250933.985212.97613.25601213.21480.07570.0196550.89500.259653.851412.26373.1843
1314.74910.06780.0167359.77880.246734.053013.78973.40231316.38630.06100.0156064.10970.255603.912412.99603.3218
1418.14140.05510.0134274.52800.243424.108214.50633.53111420.31910.04920.0124280.49610.252423.961613.63583.4420
1522.31400.04480.0107992.66940.240794.153015.13373.64411525.19560.03970.00992100.81510.249924.001314.19153.5467
1627.44620.03640.00870114.98340.238704.189415.68023.74281631.24260.03200.00794126.01080.247944.033314.67163.6376
1733.75880.02960.00702142.42950.237024.219016.15423.82891738.74080.02580.00636157.25340.246364.059115.08463.7162
1841.52330.02410.00568176.18830.235684.243116.56363.90361848.03860.02080.00510195.99420.245104.079915.43853.7840
1951.07370.01960.00459217.71160.234594.262716.91603.96841959.56790.01680.00410244.03280.244104.096715.74063.8423
2062.82060.01590.00372268.78530.233724.2786217.21854.02432073.86410.01350.00329303.60060.243294.1102615.99793.8922
2177.26940.01290.00302331.60590.233024.291617.47734.07252191.59150.01090.00265377.46480.242654.121216.21623.9349
2295.04130.01050.00245408.87530.232454.302117.69834.113922113.57350.00880.00213469.05630.242134.130016.40113.9712
23116.90080.00860.00198503.91660.231984.310617.88654.149423140.83120.00710.00172582.62980.241724.137116.55744.0022
24143.78800.00700.00161620.81740.231614.317618.04644.179724174.63060.00570.00138723.46100.241384.142816.68914.0284
25176.85930.00570.00131764.60540.231314.323218.18214.205725216.54200.00460.00111898.09160.241114.147416.79994.0507
26217.53690.00460.00106941.46470.231064.327818.29704.227826268.51210.00370.000901,114.63360.240904.151116.89304.0695
27267.57040.00370.000861,159.00160.230864.331618.39424.246527332.95500.00300.000721,383.14570.240724.154216.97114.0853
28329.11150.00300.000701,426.57190.230704.334618.47634.262528412.86420.00240.000581,716.10070.240584.156617.03654.0987
29404.80720.00250.000571,755.68350.230574.337118.54544.276029511.95160.00200.000472,128.96480.240474.158517.09124.1099
30497.91290.00200.000462,160.49070.230464.3390918.60374.287530634.81990.00160.000382,640.91640.240384.1601017.13694.1193
31612.43280.00160.000382,658.40360.230384.340718.65264.297131787.17670.00130.000313,275.73630.240314.161417.17504.1272
32753.29240.00130.000313,270.83640.230314.342118.69384.305332976.09910.00100.000254,062.91300.240254.162417.20674.1338
33926.54960.00110.000254,024.12870.230254.343118.72834.3122331,210.36290.00080.000205,039.01220.240204.163217.23324.1394
341,139.65600.00090.000204,950.67830.230204.344018.75734.3180341,500.85000.00070.000166,249.37510.240164.163917.25524.1440
351,401.77690.00070.000166,090.33440.230164.344718.78154.3228351,861.05400.00050.000137,750.22510.240134.164417.27344.1479
361,724.18560.00060.000137,492.11130.230134.345318.80184.3269362,307.70700.00040.000109,611.27910.240104.164917.28864.1511
372,120.74830.00050.000119,216.29690.230114.345818.81884.3304372,861.55670.00030.0000811,918.98610.240084.165217.30124.1537
382,608.52040.00040.0000911,337.04510.230094.346218.83304.3333383,548.33030.00030.0000714,780.54280.240074.165517.31164.1560
393,208.48010.00030.0000713,945.56550.230074.346518.84494.3357394,399.92950.00020.0000518,328.87310.240054.165717.32024.1578
403,946.43050.00030.0000617,154.04560.230064.346718.85474.3377405,455.91260.00020.0000422,728.80260.240044.165917.32744.1593
4820,674.990.00000.0000189,886.920.230014.347618.894.34554830,495.860.00000.00001127,061.920.240014.166517.35404.1651
5471,593.900.00000.00000311,273.480.230004.347818.904.347154110,859.010.00000.00000461,908.380.240004.166617.35894.1662
60247,917.220.00000.000001,077,896.590.230004.347818.904.347660402,996.350.00000.000001,679,147.280.240004.166717.36044.1665

25%25.00%26%26.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.25000.80001.000001.00001.250000.80000.00000.000011.26000.79371.000001.00001.260000.79370.00000.0000
21.56250.64000.444442.25000.694441.44000.64000.444421.58760.62990.442482.26000.702481.42350.62990.4425
31.95310.51200.262303.81250.512301.95201.66400.852532.00040.49990.259903.84760.519901.92341.62970.8473
42.44140.40960.173445.76560.423442.36162.89281.224942.52050.39680.171005.84800.431002.32022.81991.2154
53.05180.32770.121858.20700.371852.68934.20351.563153.17580.31490.119508.36840.379502.63514.07951.5481
63.81470.26210.0888211.25880.338822.95145.51421.868364.00150.24990.0866211.54420.346622.88505.32901.8472
74.76840.20970.0663415.07350.316343.16116.77252.142475.04190.19830.0643315.54580.324333.08336.51902.1143
85.96050.16780.0504019.84190.300403.32897.94692.387286.35280.15740.0485720.58760.308573.24077.62092.3516
97.45060.13420.0387625.80230.288763.46319.02072.604898.00450.12490.0371226.94040.297123.36578.62032.5613
109.31320.10740.0300733.25290.280073.570509.98702.79711010.08570.09920.0286234.94490.288623.464819.51272.7455
1111.64150.08590.0234942.56610.273493.656410.84602.96631112.70800.07870.0222145.03060.282213.543510.29962.9066
1214.55190.06870.0184554.20770.268453.725111.60203.11451216.01200.06250.0173257.73860.277323.605910.98663.0468
1318.18990.05500.0145468.75960.264543.780112.26173.24371320.17520.04960.0135673.75060.273563.655511.58143.1682
1422.73740.04400.0115086.94950.261503.824112.83343.35591425.42070.03930.0106593.92580.270653.694912.09283.2729
1528.42170.03520.00912109.68680.259123.859313.32603.45301532.03010.03120.00838119.34650.268383.726112.52993.3628
1635.52710.02810.00724138.10850.257243.887413.74823.53661640.35790.02480.00661151.37660.266613.750912.90153.4396
1744.40890.02250.00576173.63570.255763.909914.10853.60841750.85100.01970.00522191.73450.265223.770513.21623.5051
1855.51120.01800.00459218.04460.254593.927914.41473.66981864.07220.01560.00412242.58550.264123.786113.48153.5608
1969.38890.01440.00366273.55580.253663.942414.67413.72221980.73100.01240.00326306.65770.263263.798513.70453.6079
2086.73620.01150.00292342.94470.252923.9538814.89323.766720101.72110.00980.00258387.38870.262583.8083413.89133.6476
21108.42020.00920.00233429.68090.252333.963115.07773.804521128.16850.00780.00204489.10980.262043.816114.04733.6810
22135.52530.00740.00186538.10110.251863.970515.23263.836522161.49240.00620.00162617.27830.261623.822314.17733.7091
23169.40660.00590.00148673.62640.251483.976415.36253.863423203.48040.00490.00128778.77070.261283.827314.28553.7326
24211.75820.00470.00119843.03290.251193.981115.47113.886124256.38530.00390.00102982.25110.261023.831214.37523.7522
25264.69780.00380.000951,054.79120.250953.984915.56183.905225323.04540.00310.000811,238.63630.260813.834214.44953.7685
26330.87220.00300.000761,319.48900.250763.987915.63733.921226407.03730.00250.000641,561.68180.260643.836714.51093.7821
27413.59030.00240.000611,650.36120.250613.990315.70023.934627512.86700.00190.000511,968.71910.260513.838714.56163.7934
28516.98790.00190.000482,063.95150.250483.992315.75243.945728646.21240.00150.000402,481.58600.260403.840214.60343.8028
29646.23490.00150.000392,580.93940.250393.993815.79573.955129814.22760.00120.000323,127.79840.260323.841414.63773.8105
30807.79360.00120.000313,227.17430.250313.9950515.83163.9628301,025.92670.00100.000253,942.02600.260253.8424014.66603.8169
311,009.74200.00100.000254,034.96780.250253.996015.86143.9693311,292.66770.00080.000204,967.95270.260203.843214.68923.8222
321,262.17740.00080.000205,044.70980.250203.996815.88593.9746321,628.76130.00060.000166,260.62040.260163.843814.70833.8265
331,577.72180.00060.000166,306.88720.250163.997515.90623.9791332,052.23920.00050.000137,889.38170.260133.844314.72383.8301
341,972.15230.00050.000137,884.60910.250133.998015.92293.9828342,585.82150.00040.000109,941.62100.260103.844714.73663.8330
352,465.19030.00040.000109,856.76130.250103.998415.93673.9858353,258.13500.00030.0000812,527.44240.260083.845014.74703.8354
363,081.48790.00030.0000812,321.95160.250083.998715.94813.9883364,105.25010.00020.0000615,785.57740.260063.845214.75563.8374
373,851.85990.00030.0000615,403.43960.250063.999015.95743.9904375,172.61520.00020.0000519,890.82760.260053.845414.76253.8390
384,814.82490.00020.0000519,255.29940.250053.999215.96513.9921386,517.49510.00020.0000425,063.44280.260043.845614.76823.8403
396,018.53110.00020.0000424,070.12430.250043.999315.97143.9935398,212.04380.00010.0000331,580.93790.260033.845714.77283.8414
407,523.16380.00010.0000330,088.65540.250033.999515.97663.99474010,347.17520.00010.0000339,792.98170.260033.845814.77663.8423
4844,841.550.00000.00001179,362.200.250013.999916.003.99894865,733.410.00000.00000252,816.960.260003.846114.78993.8454
54171,056.940.00000.00000684,223.770.250004.000016.003.999754263,032.510.00000.000001,011,659.670.260003.846114.79213.8459
60652,530.450.00000.000002,610,117.790.250004.000016.003.9999601,052,525.700.00000.000004,048,171.900.260003.846214.79273.8461

27%27.00%28%28.00%
n
Cantidad
Compuesta
F/P
Valor
presente
P/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
n
Cantidad
Compuesta
F/P
Valor
presenteP/F
Factorde
amorizacion
A/F
Cantidad
compuesta
F/A
Recuperacion
decapital
A/P
Valor
presenteP/A
Gradientede
valor
presenteP/G
Gradientede
serieanual
A/G
11.27000.78741.000001.00001.270000.78740.00000.000011.28000.78131.000001.00001.280000.78130.00000.0000
21.61290.62000.440532.27000.710531.40740.62000.440521.63840.61040.438602.28000.718601.39160.61040.4386
32.04840.48820.257543.88290.527541.89561.59640.842232.09720.47680.255213.91840.535211.86841.56400.8371
42.60140.38440.168605.93130.438602.28002.74961.206042.68440.37250.166246.01560.446242.24102.68161.1966
53.30380.30270.117208.53270.387202.58273.96031.533453.43600.29100.114948.69990.394942.53203.84581.5189
64.19590.23830.0844811.83660.354482.82105.15191.826364.39800.22740.0824012.13590.362402.75944.98261.8057
75.32880.18770.0623716.03240.332373.00876.27792.086675.62950.17760.0604816.53390.340482.93706.04842.0594
86.76750.14780.0468121.36120.316813.15647.31232.316687.20580.13880.0451222.16340.325123.07587.01992.2823
98.59480.11640.0355528.12870.305553.27288.24312.518799.22340.10840.0340529.36920.314053.18427.88732.4770
1010.91530.09160.0272336.72350.297233.364399.06762.69521011.80590.08470.0259138.59260.305913.268928.64962.6460
1113.86250.07210.0209947.63880.290993.43659.78902.84851115.11160.06620.0198450.39850.299843.33519.31132.7919
1217.60530.05680.0162661.50130.286263.493310.41382.98101219.34280.05170.0152665.51000.295263.38689.88002.9172
1322.35880.04470.0126479.10660.282643.538110.95053.09511324.75880.04040.0117984.85290.291793.427210.36473.0243
1428.39570.03520.00986101.46540.279863.573311.40833.19271431.69130.03160.00912109.61170.289123.458710.77493.1153
1536.06250.02770.00770129.86110.277703.601011.79653.27591540.56480.02470.00708141.30290.287083.483411.12003.1923
1645.79940.02180.00603165.92360.276033.622812.12403.34661651.92300.01930.00550181.86770.285503.502611.40893.2572
1758.16520.01720.00472211.72300.274723.640012.39913.40631766.46140.01500.00428233.79070.284283.517711.64973.3117
1873.86980.01350.00371269.88820.273713.653612.62923.45671885.07060.01180.00333300.25210.283333.529411.84953.3573
1993.81470.01070.00291343.75800.272913.664212.82113.499019108.89040.00920.00260385.32270.282603.538612.01483.3953
20119.14460.00840.00229437.57260.272293.6726212.98063.534420139.37970.00720.00202494.21310.282023.5458012.15113.4269
21151.31370.00660.00180556.71730.271803.679213.11273.564021178.40600.00560.00158633.59270.281583.551412.26323.4531
22192.16830.00520.00141708.03090.271413.684413.22203.588622228.35960.00440.00123811.99870.281233.555812.35523.4747
23244.05380.00410.00111900.19930.271113.688513.31223.609123292.30030.00340.000961,040.35830.280963.559212.43043.4925
24309.94830.00320.000871,144.25310.270873.691813.38643.626024374.14440.00270.000751,332.65860.280753.561912.49193.5071
25393.63440.00250.000691,454.20140.270693.694313.44733.640025478.90490.00210.000591,706.80310.280593.564012.54203.5191
26499.91570.00200.000541,847.83580.270543.696313.49743.651626612.99820.00160.000462,185.70790.280463.565612.58283.5289
27634.89290.00160.000432,347.75150.270433.697913.53833.661127784.63770.00130.000362,798.70610.280363.566912.61603.5370
28806.31400.00120.000342,982.64430.270343.699113.57183.6689281,004.33630.00100.000283,583.34380.280283.567912.64283.5435
291,024.01870.00100.000263,788.95830.270263.700113.59913.6754291,285.55040.00080.000224,587.68010.280223.568712.66463.5489
301,300.50380.00080.000214,812.97710.270213.7008613.62143.6806301,645.50460.00060.000175,873.23060.280173.5692612.68223.5532
311,651.63980.00060.000166,113.48090.270163.701513.63963.6849312,106.24580.00050.000137,518.73510.280133.569712.69653.5567
322,097.58260.00050.000137,765.12070.270133.701913.65443.6884322,695.99470.00040.000109,624.98100.280103.570112.70803.5596
332,663.92990.00040.000109,862.70330.270103.702313.66643.6913333,450.87320.00030.0000812,320.97560.280083.570412.71733.5619
343,383.19100.00030.0000812,526.63320.270083.702613.67613.6937344,417.11770.00020.0000615,771.84880.280063.570612.72473.5637
354,296.65250.00020.0000615,909.82420.270063.702813.68413.6956355,653.91060.00020.0000520,188.96650.280053.570812.73073.5652
365,456.74870.00020.0000520,206.47670.270053.703013.69053.6971367,237.00560.00010.0000425,842.87710.280043.570912.73563.5665
376,930.07090.00010.0000425,663.22540.270043.703213.69573.6984379,263.36710.00010.0000333,079.88260.280033.571012.73953.5674
388,801.19000.00010.0000332,593.29630.270033.703313.69993.69943811,857.10990.00010.0000242,343.24980.280023.571112.74263.5682
3911,177.51130.00010.0000241,394.48630.270023.703413.70333.70023915,177.10070.00010.0000254,200.35970.280023.571212.74513.5689
4014,195.43930.00010.0000252,571.99760.270023.703413.70603.70094019,426.68890.00010.0000169,377.46040.280013.571212.74713.5694
4896,067.970.00000.00000355,803.590.270003.703713.723.703248139,984.050.00000.00000499,939.450.280003.571412.75383.5711
54403,088.990.00000.000001,492,918.470.270003.703713.723.703654615,656.350.00000.000002,198,769.100.280003.571412.75483.5713
601,691,310.160.00000.000006,264,107.990.270003.703713.723.7037602,707,685.250.00000.000009,670,300.890.280003.571412.75503.5714

Matematicas Financieras: Tablas de tasas factores financieros (2020)

Recomendados

Recomendados

Más contenido relacionado

La actualidad más candente

La actualidad más candente (15)

Similar a Matematicas Financieras: Tablas de tasas factores financieros (2020)

Similar a Matematicas Financieras: Tablas de tasas factores financieros (2020) (20)

Último

Último (20)

Matematicas Financieras: Tablas de tasas factores financieros (2020)