Beruflich Dokumente
Kultur Dokumente
$ 20,000,000.00
1 2 3 4 5
0
A A A A A
$ 2,000,000.00
Ecuación de Valor
VP= A/(1+0,02)^- A/(1+0,02)^2 A/(1+0,02)^3 A/(1+0,02)^4 A/(1+0,02)^5
0.9803921569
$ 18,000,000.00 =A*( 10.575341221 )
A= $1,702,072.74
Formula
A 𝑣𝑝
= �(1+�)𝑛/((1+�)𝑛 −1)
A = $ 1,702,072.74
VP
1 2 3 4 5
0
$250,000.00 $250,000.00 $250,000.00 $250,000.00 $250,000.00
Lote $ 20,000,000.00
vp $ 18,000,000.00
Cuota Inicial $ 2,000,000.00
A ?
i 0.02 mensual
n 12
(1+i)^n 1.2682417946
6 7 8 9 10 11
A A A A A A
Función PAGO(J5;J6;J2;0)
A ($ 1,702,072.74)
$13,500,000.00
6 36 meses
$250,000.00
Buscar Objetivo Tasa
No Depósito
0
1 $ 250,000.00
2 $ 250,000.00
3 $ 250,000.00
4 $ 250,000.00
5 $ 250,000.00
6 $ 250,000.00
7 $ 250,000.00
8 $ 250,000.00
9 $ 250,000.00
10 $ 250,000.00
11 $ 250,000.00
12 $ 250,000.00
13 $ 250,000.00
14 $ 250,000.00
15 $ 250,000.00
16 $ 250,000.00
17 $ 250,000.00
18 $ 250,000.00
19 $ 250,000.00
20 $ 250,000.00
21 $ 250,000.00
22 $ 250,000.00
23 $ 250,000.00
24 $ 250,000.00
25 $ 250,000.00
26 $ 250,000.00
27 $ 250,000.00
28 $ 250,000.00
29 $ 250,000.00
30 $ 250,000.00
31 $ 250,000.00
32 $ 250,000.00
33 $ 250,000.00
34 $ 250,000.00
35 $ 250,000.00
36 $ 250,000.00
12 meses
A7(1+0,02)^12
$ 20,000,000.00
2.0%
Depósito
Interés + Intereés Saldo
$ 250,000.00
$ 250,000.00
$ 5,000.00 $ 255,000.00 $ 505,000.00
$ 5,000.00 $ 255,000.00 $ 760,000.00
$ 10,100.00 $ 260,100.00 $ 1,020,100.00
$ 15,200.00 $ 265,200.00 $ 1,285,300.00
$ 20,402.00 $ 270,402.00 $ 1,555,702.00
$ 25,706.00 $ 275,706.00 $ 1,831,408.00
$ 31,114.04 $ 281,114.04 $ 2,112,522.04
$ 36,628.16 $ 286,628.16 $ 2,399,150.20
$ 42,250.44 $ 292,250.44 $ 2,691,400.64
$ 47,983.00 $ 297,983.00 $ 2,989,383.64
$ 53,828.01 $ 303,828.01 $ 3,293,211.66
$ 59,787.67 $ 309,787.67 $ 3,602,999.33
$ 65,864.23 $ 315,864.23 $ 3,918,863.56
$ 72,059.99 $ 322,059.99 $ 4,240,923.55
$ 78,377.27 $ 328,377.27 $ 4,569,300.82
$ 84,818.47 $ 334,818.47 $ 4,904,119.29
$ 91,386.02 $ 341,386.02 $ 5,245,505.31
$ 98,082.39 $ 348,082.39 $ 5,593,587.69
$ 104,910.11 $ 354,910.11 $ 5,948,497.80
$ 111,871.75 $ 361,871.75 $ 6,310,369.55
$ 118,969.96 $ 368,969.96 $ 6,679,339.51
$ 126,207.39 $ 376,207.39 $ 7,055,546.90
$ 133,586.79 $ 383,586.79 $ 7,439,133.69
$ 141,110.94 $ 391,110.94 $ 7,830,244.63
$ 148,782.67 $ 398,782.67 $ 8,229,027.30
$ 156,604.89 $ 406,604.89 $ 8,635,632.20
$ 164,580.55 $ 414,580.55 $ 9,050,212.74
$ 172,712.64 $ 422,712.64 $ 9,472,925.39
$ 181,004.25 $ 431,004.25 $ 9,903,929.64
$ 189,458.51 $ 439,458.51 $ 10,343,388.15
$ 198,078.59 $ 448,078.59 $ 10,791,466.74
$ 206,867.76 $ 456,867.76 $ 11,248,334.51
$ 215,829.33 $ 465,829.33 $ 11,714,163.84
$ 224,966.69 $ 474,966.69 $ 12,189,130.53
$ 234,283.28 $ 484,283.28 $ 12,673,413.81
Juan deposita $120.000 cada fin de mes, durante un año, en una entidad financiera
la entidad paga una tasa del 3% mensual.
¿Cuánto dinero tendrá acumulado al final de este tiempo?
0 1 2 3 … 12
Ecuación valor
Vf ?
Tabla
¿Cuánto se debe depositar al final de cada mes, durante dos años
en una cuenta de ahorros que reconoce una tasa del 2,50% mensual vf
para reunir la suma de $8.500.000 i
n
a Calcular con formula A
b Calcular con la función Pago
8,500,000
0 1 2 3 … 24
A A A A
1 1.76461068
2 1.7215714
3 1.67958185
4 1.63861644
5 1.59865019
6 1.55965872
7 1.52161826
8 1.48450562
9 1.44829817
10 1.41297382
11 1.37851104
12 1.34488882
13 1.31208666
14 1.28008454
15 1.24886297
16 1.2184029
17 1.18868575
18 1.15969342
19 1.13140821
20 1.10381289
21 1.07689063
22 1.050625
23 1.025
24 1
8500000
0.025
24
n= logA-log(A-(Vp*i))
log (1+i)
Formula
116.17 meses
F=
P $20,000,000.00
A $520,000.00
inom 18% tasa efectiva periódic 0.01500
n ?
tasa efectiva anual 0.1956181715
meses
Función Tabla
116.17 No cuota cuota interes
0 0
1 $620,000.00 $600,000.00
2 $620,000.00 $599,400.00
3 $620,000.00 $598,782.00
4 $620,000.00 $598,145.46
5 $620,000.00 $597,489.82
6 $620,000.00 $596,814.52
7 $620,000.00 $596,118.95
8 $620,000.00 $595,402.52
9 $620,000.00 $594,664.60
10 $620,000.00 $593,904.54
11 $620,000.00 $593,121.67
12 $620,000.00 $592,315.32
13 $620,000.00 $591,484.78
14 $620,000.00 $590,629.33
15 $620,000.00 $589,748.21
16 $620,000.00 $588,840.65
17 $620,000.00 $587,905.87
18 $620,000.00 $586,943.05
19 $620,000.00 $585,951.34
20 $620,000.00 $584,929.88
21 $620,000.00 $583,877.78
22 $620,000.00 $582,794.11
23 $620,000.00 $581,677.93
24 $620,000.00 $580,528.27
25 $620,000.00 $579,344.12
26 $620,000.00 $578,124.44
27 $620,000.00 $576,868.17
28 $620,000.00 $575,574.22
29 $620,000.00 $574,241.45
30 $620,000.00 $572,868.69
31 $620,000.00 $571,454.75
32 $620,000.00 $569,998.39
33 $620,000.00 $568,498.34
34 $620,000.00 $566,953.30
35 $620,000.00 $565,361.89
36 $620,000.00 $563,722.75
37 $620,000.00 $562,034.43
38 $620,000.00 $560,295.47
39 $620,000.00 $558,504.33
40 $620,000.00 $556,659.46
41 $620,000.00 $554,759.24
42 $620,000.00 $552,802.02
43 $620,000.00 $550,786.08
44 $620,000.00 $548,709.66
45 $620,000.00 $546,570.95
46 $620,000.00 $544,368.08
47 $620,000.00 $542,099.13
48 $620,000.00 $539,762.10
49 $620,000.00 $537,354.96
50 $620,000.00 $534,875.61
51 $620,000.00 $532,321.88
52 $620,000.00 $529,691.54
53 $620,000.00 $526,982.28
54 $620,000.00 $524,191.75
55 $620,000.00 $521,317.50
56 $620,000.00 $518,357.03
57 $620,000.00 $515,307.74
58 $620,000.00 $512,166.97
59 $620,000.00 $508,931.98
60 $620,000.00 $505,599.94
61 $620,000.00 $502,167.94
62 $620,000.00 $498,632.98
63 $620,000.00 $494,991.97
64 $620,000.00 $491,241.72
65 $620,000.00 $487,378.98
66 $620,000.00 $483,400.35
67 $620,000.00 $479,302.36
68 $620,000.00 $475,081.43
69 $620,000.00 $470,733.87
70 $620,000.00 $466,255.89
71 $620,000.00 $461,643.56
72 $620,000.00 $456,892.87
73 $620,000.00 $451,999.65
74 $620,000.00 $446,959.64
75 $620,000.00 $441,768.43
76 $620,000.00 $436,421.49
77 $620,000.00 $430,914.13
78 $620,000.00 $425,241.56
79 $620,000.00 $419,398.80
80 $620,000.00 $413,380.77
81 $620,000.00 $407,182.19
82 $620,000.00 $400,797.65
83 $620,000.00 $394,221.58
84 $620,000.00 $387,448.23
85 $620,000.00 $380,471.68
86 $620,000.00 $373,285.83
87 $620,000.00 $365,884.40
88 $620,000.00 $358,260.94
89 $620,000.00 $350,408.76
90 $620,000.00 $342,321.03
91 $620,000.00 $333,990.66
92 $620,000.00 $325,410.38
93 $620,000.00 $316,572.69
94 $620,000.00 $307,469.87
95 $620,000.00 $298,093.97
96 $620,000.00 $288,436.78
97 $620,000.00 $278,489.89
98 $620,000.00 $268,244.58
99 $620,000.00 $257,691.92
100 $620,000.00 $246,822.68
101 $620,000.00 $235,627.36
102 $620,000.00 $224,096.18
103 $620,000.00 $212,219.07
104 $620,000.00 $199,985.64
105 $620,000.00 $187,385.21
106 $620,000.00 $174,406.76
107 $620,000.00 $161,038.97
108 $620,000.00 $147,270.14
109 $620,000.00 $133,088.24
110 $620,000.00 $118,480.89
111 $620,000.00 $103,435.31
112 $620,000.00 $87,938.37
113 $620,000.00 $71,976.52
114 $620,000.00 $55,535.82
115 $620,000.00 $38,601.89
116 $620,000.00 $21,159.95
117 $620,000.00 $3,194.75
abono saldo
$20,000,000
$20,000.00 $19,980,000.00
$20,600.00 $19,959,400.00
$21,218.00 $19,938,182.00
$21,854.54 $19,916,327.46
$22,510.18 $19,893,817.28
$23,185.48 $19,870,631.80
$23,881.05 $19,846,750.76
$24,597.48 $19,822,153.28
$25,335.40 $19,796,817.88
$26,095.46 $19,770,722.41
$26,878.33 $19,743,844.09
$27,684.68 $19,716,159.41
$28,515.22 $19,687,644.19
$29,370.67 $19,658,273.52
$30,251.79 $19,628,021.72
$31,159.35 $19,596,862.37
$32,094.13 $19,564,768.25
$33,056.95 $19,531,711.29
$34,048.66 $19,497,662.63
$35,070.12 $19,462,592.51
$36,122.22 $19,426,470.29
$37,205.89 $19,389,264.39
$38,322.07 $19,350,942.33
$39,471.73 $19,311,470.60
$40,655.88 $19,270,814.71
$41,875.56 $19,228,939.15
$43,131.83 $19,185,807.33
$44,425.78 $19,141,381.55
$45,758.55 $19,095,623.00
$47,131.31 $19,048,491.69
$48,545.25 $18,999,946.44
$50,001.61 $18,949,944.83
$51,501.66 $18,898,443.17
$53,046.70 $18,845,396.47
$54,638.11 $18,790,758.36
$56,277.25 $18,734,481.11
$57,965.57 $18,676,515.55
$59,704.53 $18,616,811.01
$61,495.67 $18,555,315.34
$63,340.54 $18,491,974.81
$65,240.76 $18,426,734.05
$67,197.98 $18,359,536.07
$69,213.92 $18,290,322.15
$71,290.34 $18,219,031.82
$73,429.05 $18,145,602.77
$75,631.92 $18,069,970.86
$77,900.87 $17,992,069.98
$80,237.90 $17,911,832.08
$82,645.04 $17,829,187.04
$85,124.39 $17,744,062.65
$87,678.12 $17,656,384.53
$90,308.46 $17,566,076.07
$93,017.72 $17,473,058.35
$95,808.25 $17,377,250.10
$98,682.50 $17,278,567.61
$101,642.97 $17,176,924.63
$104,692.26 $17,072,232.37
$107,833.03 $16,964,399.34
$111,068.02 $16,853,331.32
$114,400.06 $16,738,931.26
$117,832.06 $16,621,099.20
$121,367.02 $16,499,732.18
$125,008.03 $16,374,724.14
$128,758.28 $16,245,965.87
$132,621.02 $16,113,344.84
$136,599.65 $15,976,745.19
$140,697.64 $15,836,047.54
$144,918.57 $15,691,128.97
$149,266.13 $15,541,862.84
$153,744.11 $15,388,118.73
$158,356.44 $15,229,762.29
$163,107.13 $15,066,655.16
$168,000.35 $14,898,654.81
$173,040.36 $14,725,614.45
$178,231.57 $14,547,382.89
$183,578.51 $14,363,804.37
$189,085.87 $14,174,718.51
$194,758.44 $13,979,960.06
$200,601.20 $13,779,358.86
$206,619.23 $13,572,739.63
$212,817.81 $13,359,921.82
$219,202.35 $13,140,719.47
$225,778.42 $12,914,941.06
$232,551.77 $12,682,389.29
$239,528.32 $12,442,860.97
$246,714.17 $12,196,146.80
$254,115.60 $11,942,031.20
$261,739.06 $11,680,292.14
$269,591.24 $11,410,700.90
$277,678.97 $11,133,021.93
$286,009.34 $10,847,012.58
$294,589.62 $10,552,422.96
$303,427.31 $10,248,995.65
$312,530.13 $9,936,465.52
$321,906.03 $9,614,559.49
$331,563.22 $9,282,996.27
$341,510.11 $8,941,486.16
$351,755.42 $8,589,730.74
$362,308.08 $8,227,422.67
$373,177.32 $7,854,245.35
$384,372.64 $7,469,872.71
$395,903.82 $7,073,968.89
$407,780.93 $6,666,187.95
$420,014.36 $6,246,173.59
$432,614.79 $5,813,558.80
$445,593.24 $5,367,965.56
$458,961.03 $4,909,004.53
$472,729.86 $4,436,274.67
$486,911.76 $3,949,362.91
$501,519.11 $3,447,843.79
$516,564.69 $2,931,279.11
$532,061.63 $2,399,217.48
$548,023.48 $1,851,194.01
$564,464.18 $1,286,729.83
$581,398.11 $705,331.72
$598,840.05 $106,491.67
$616,805.25 -$510,313.58
Se compró un vehiculo con una cuota inicial de $1.000.000 Cuota Inicial
y 12 cuotas mensuales iguales de $200.000 A
La agencia cobra el 2.5% mensual sobre saldos. i
vp
vehiculo
0 1 2 3 4 5 6 7
$ 3,051,553 $ 3,051,553
1 195121.951
2 190362.879
3 185719.882
4 181190.129
5 176770.858
6 172459.373
7 168253.047
8 164149.314
9 160145.672
10 156239.68
11 152428.956
12 148711.177
1000000
200000
0.025 mensual
12
?
8 9 10 11 12
Función Tabla
3051552.92
$ 3,051,552.92 no cuota cuota interes abono saldo
0 $ 1,000,000 $ 2,051,553
1 $ 200,000 $ 51,289 $ 148,711 $ 1,902,842
2 $ 200,000 $ 47,571 $ 152,429 $ 1,750,413
3 $ 200,000 $ 43,760 $ 156,240 $ 1,594,173
4 $ 200,000 $ 39,854 $ 160,146 $ 1,434,027
5 $ 200,000 $ 35,851 $ 164,149 $ 1,269,878
6 $ 200,000 $ 31,747 $ 168,253 $ 1,101,625
7 $ 200,000 $ 27,541 $ 172,459 $ 929,166
8 $ 200,000 $ 23,229 $ 176,771 $ 752,395
9 $ 200,000 $ 18,810 $ 181,190 $ 571,205
10 $ 200,000 $ 14,280 $ 185,720 $ 385,485
11 $ 200,000 $ 9,637 $ 190,363 $ 195,122
12 $ 200,000 $ 4,878 $ 195,122 $ -
¿En cuánto tiempo debemos retirar una inversión realizada en el día de hoy, vp
a una tasa nominal del 41,91% capitalizable mensualmente, si deseamos que se triplique? vf
i