m

x l(x) d(x) q(x) Punto medio Suma acumulada

15 1,000,000 485 0.000485 999,757.50 64,819,732.00
16 999,515 496 0.000496 999,267.00 63,819,974.50
17 999,019 509 0.000509 998,764.50 62,820,707.50
18 998,510 522 0.000523 998,249.00 61,821,943.00
19 997,988 537 0.000538 997,719.50 60,823,694.00
20 997,451 553 0.000554 997,174.50 59,825,974.50
21 996,898 571 0.000573 996,612.50 58,828,800.00
22 996,327 591 0.000593 996,031.50 57,832,187.50
23 995,736 612 0.000615 995,430.00 56,836,156.00
24 995,124 636 0.000639 994,806.00 55,840,726.00
25 994,488 662 0.000666 994,157.00 54,845,920.00
26 993,826 690 0.000694 993,481.00 53,851,763.00
27 993,136 721 0.000726 992,775.50 52,858,282.00
28 992,415 755 0.000761 992,037.50 51,865,506.50
29 991,660 792 0.000799 991,264.00 50,873,469.00
30 990,868 832 0.000840 990,452.00 49,882,205.00
31 990,036 877 0.000886 989,597.50 48,891,753.00
32 989,159 926 0.000936 988,696.00 47,902,155.50
33 988,233 979 0.000991 987,743.50 46,913,459.50
34 987,254 1,038 0.001051 986,735.00 45,925,716.00
35 986,216 1,102 0.001117 985,665.00 44,938,981.00
36 985,114 1,172 0.001190 984,528.00 43,953,316.00
37 983,942 1,249 0.001269 983,317.50 42,968,788.00
38 982,693 1,333 0.001356 982,026.50 41,985,470.50
39 981,360 1,424 0.001451 980,648.00 41,003,444.00
40 979,936 1,525 0.001556 979,173.50 40,022,796.00
41 978,411 1,635 0.001671 977,593.50 39,043,622.50
42 976,776 1,755 0.001797 975,898.50 38,066,029.00
43 975,021 1,886 0.001934 974,078.00 37,090,130.50
44 973,135 2,030 0.002086 972,120.00 36,116,052.50
45 971,105 2,186 0.002251 970,012.00 35,143,932.50
46 968,919 2,358 0.002434 967,740.00 34,173,920.50
47 966,561 2,544 0.002632 965,289.00 33,206,180.50
48 964,017 2,748 0.002851 962,643.00 32,240,891.50
49 961,269 2,971 0.003091 959,783.50 31,278,248.50
50 958,298 3,213 0.003353 956,691.50 30,318,465.00
51 955,085 3,477 0.003641 953,346.50 29,361,773.50
52 951,608 3,765 0.003956 949,725.50 28,408,427.00
53 947,843 4,077 0.004301 945,804.50 27,458,701.50
54 943,766 4,418 0.004681 941,557.00 26,512,897.00
55 939,348 4,744 0.005050 936,976.00 25,571,340.00
56 934,604 5,106 0.005463 932,051.00 24,634,364.00
57 929,498 5,507 0.005925 926,744.50 23,702,313.00
58 923,991 5,952 0.006442 921,015.00 22,775,568.50
59 918,039 6,444 0.007019 914,817.00 21,854,553.50
60 911,595 6,988 0.007666 908,101.00 20,939,736.50
61 904,607 7,588 0.008388 900,813.00 20,031,635.50
62 897,019 8,250 0.009197 892,894.00 19,130,822.50
63 888,769 9,134 0.010277 884,202.00 18,237,928.50
64 879,635 10,078 0.011457 874,596.00 17,353,726.50
65 869,557 11,080 0.012742 864,017.00 16,479,130.50
66 858,477 12,143 0.014145 852,405.50 15,615,113.50
67 846,334 13,265 0.015673 839,701.50 14,762,708.00
68 833,069 14,446 0.017341 825,846.00 13,923,006.50
69 818,623 15,683 0.019158 810,781.50 13,097,160.50
70 802,940 16,972 0.021137 794,454.00 12,286,379.00
71 785,968 18,310 0.023296 776,813.00 11,491,925.00
72 767,658 19,688 0.025647 757,814.00 10,715,112.00
73 747,970 21,098 0.028207 737,421.00 9,957,298.00
74 726,872 22,530 0.030996 715,607.00 9,219,877.00
75 704,342 23,970 0.034032 692,357.00 8,504,270.00
76 680,372 25,402 0.037335 667,671.00 7,811,913.00
77 654,970 26,808 0.040930 641,566.00 7,144,242.00
78 628,162 28,168 0.044842 614,078.00 6,502,676.00
79 599,994 29,456 0.049094 585,266.00 5,888,598.00
80 570,538 30,646 0.053714 555,215.00 5,303,332.00
81 539,892 31,711 0.058736 524,036.50 4,748,117.00
82 508,181 32,619 0.064188 491,871.50 4,224,080.50
83 475,562 33,340 0.070107 458,892.00 3,732,209.00
84 442,222 33,841 0.076525 425,301.50 3,273,317.00
85 408,381 34,093 0.083483 391,334.50 2,848,015.50
86 374,288 34,069 0.091023 357,253.50 2,456,681.00
87 340,219 33,745 0.099186 323,346.50 2,099,427.50
88 306,474 33,103 0.108012 289,922.50 1,776,081.00
89 273,371 32,136 0.117555 257,303.00 1,486,158.50
90 241,235 30,844 0.127859 225,813.00 1,228,855.50
91 210,391 29,239 0.138975 195,771.50 1,003,042.50
92 181,152 27,344 0.150945 167,480.00 807,271.00
93 153,808 25,199 0.163834 141,208.50 639,791.00
94 128,609 22,851 0.177678 117,183.50 498,582.50
95 105,758 20,363 0.192543 95,576.50 381,399.00
96 85,395 17,839 0.208900 76,475.50 285,822.50
97 67,556 15,350 0.227219 59,881.00 209,347.00
98 52,206 12,921 0.247500 45,745.50 149,466.00
99 39,285 10,597 0.269747 33,986.50 103,720.50
100 28,688 8,433 0.293956 24,471.50 69,734.00
101 20,255 6,484 0.320118 17,013.00 45,262.50
102 13,771 4,796 0.348268 11,373.00 28,249.50
103 8,975 3,395 0.378273 7,277.50 16,876.50
104 5,580 2,290 0.410394 4,435.00 9,599.00
105 3,290 1,462 0.444377 2,559.00 5,164.00
106 1828 878 0.480306 1,389.00 2,605.00
107 950 492 0.517895 704.00 1,216.00
108 458 256 0.558952 330.00 512.00
109 202 121 0.599010 141.50 182.00
110 81 81 1.000000 40.50 40.50
experanza vida n
e0(x) p(x) Punto medio
64.8 0.999515 490.50 Función de sobrevive
63.9 0.999504 502.50 1200000
62.9 0.999491 515.50
61.9 0.999477 529.50
1000000
60.9 0.999462 545.00
60.0 0.999446 562.00
59.0 0.999427 581.00 800000
58.0 0.999407 601.50
57.1 0.999385 624.00 600000
56.1 0.999361 649.00
55.1 0.999334 676.00
400000
54.2 0.999306 705.50
53.2 0.999274 738.00
52.3 0.999239 773.50 200000
51.3 0.999201 812.00
50.3 0.999160 854.50 0
0 20 40 60
49.4 0.999114 901.50
48.4 0.999064 952.50
47.5 0.999009 1,008.50
46.5 0.998949 1,070.00 Expectativa de
45.6 0.998883 1,137.00
70
44.6 0.998810 1,210.50
43.7 0.998731 1,291.00 60
42.7 0.998644 1,378.50
41.8 0.998549 1,474.50 50
40.8 0.998444 1,580.00
39.9 0.998329 1,695.00 40
39.0 0.998203 1,820.50
38.0 0.998066 1,958.00 30
37.1 0.997914 2,108.00
36.2 0.997749 2,272.00 20
35.3 0.997566 2,451.00
34.4 0.997368 2,646.00 10
33.4 0.997149 2,859.50
32.5 0.996909 3,092.00 0
0 20 40 60
31.6 0.996647 3,345.00
30.7 0.996359 3,621.00
29.9 0.996044 3,921.00
29.0 0.995699 4,247.50
28.1 0.995319 4,581.00
27.2 0.994950 4,925.00
26.4 0.994537 5,306.50
25.5 0.994075 5,729.50
24.6 0.993558 6,198.00
23.8 0.992981 6,716.00
23.0 0.992334 7,288.00
22.1 0.991612 7,919.00
21.3 0.990803 8,692.00
20.5 0.989723 9,606.00
19.7 0.988543 10,579.00
19.0 0.987258 11,611.50
18.2 0.985855 12,704.00
17.4 0.984327 13,855.50
16.7 0.982659 15,064.50
16.0 0.980842 16,327.50
15.3 0.978863 17,641.00
14.6 0.976704 18,999.00
14.0 0.974353 20,393.00
13.3 0.971793 21,814.00
12.7 0.969004 23,250.00
12.1 0.965968 24,686.00
11.5 0.962665 26,105.00
10.9 0.959070 27,488.00
10.4 0.955158 28,812.00
9.8 0.950906 30,051.00
9.3 0.946286 31,178.50
8.8 0.941264 32,165.00
8.3 0.935812 32,979.50
7.8 0.929893 33,590.50
7.4 0.923475 33,967.00
7.0 0.916517 34,081.00
6.6 0.908977 33,907.00
6.2 0.900814 33,424.00
5.8 0.891988 32,619.50
5.4 0.882445 31,490.00
5.1 0.872141 30,041.50
4.8 0.861025 28,291.50
4.5 0.849055 26,271.50
4.2 0.836166 24,025.00
3.9 0.822322 21,607.00
3.6 0.807457 19,101.00
3.3 0.791100 16,594.50
3.1 0.772781 14,135.50
2.9 0.752500 11,759.00
2.6 0.730253 9,515.00
2.4 0.706044 7,458.50
2.2 0.679882 5,640.00
2.1 0.651732 4,095.50
1.9 0.621727 2,842.50
1.7 0.589606 1,876.00
1.6 0.555623 1,170.00
1.4 0.519694 685.00
1.3 0.482105 374.00
1.1 0.441048 188.50
0.9 0.400990 101.00
0.5 0.000000 40.50
Función de sobrevivencia S(x)

40 60 80 100 120

Expectativa de vida

40 60 80 100 120
 m
x l(x) d(x) q(x) Punto medio Suma acumulada
15 1,000,000 272 0.000272 999,864.00 70,038,380.00
16 999,728 278 0.000278 999,589.00 69,038,516.00
17 999,450 285 0.000285 999,307.50 68,038,927.00
18 999,165 293 0.000293 999,018.50 67,039,619.50
19 998,872 302 0.000302 998,721.00 66,040,601.00
20 998,570 311 0.000311 998,414.50 65,041,880.00
21 998,259 321 0.000322 998,098.50 64,043,465.50
22 997,938 332 0.000333 997,772.00 63,045,367.00
23 997,606 344 0.000345 997,434.00 62,047,595.00
24 997,262 357 0.000358 997,083.50 61,050,161.00
25 996,905 372 0.000373 996,719.00 60,053,077.50
26 996,533 388 0.000389 996,339.00 59,056,358.50
27 996,145 405 0.000407 995,942.50 58,060,019.50
28 995,740 425 0.000427 995,527.50 57,064,077.00
29 995,315 446 0.000448 995,092.00 56,068,549.50
30 994,869 469 0.000471 994,634.50 55,073,457.50
31 994,400 494 0.000497 994,153.00 54,078,823.00
32 993,906 522 0.000525 993,645.00 53,084,670.00
33 993,384 552 0.000556 993,108.00 52,091,025.00
34 992,832 585 0.000589 992,539.50 51,097,917.00
35 992,247 622 0.000627 991,936.00 50,105,377.50
36 991,625 662 0.000668 991,294.00 49,113,441.50
37 990,963 705 0.000711 990,610.50 48,122,147.50
38 990,258 753 0.000760 989,881.50 47,131,537.00
39 989,505 806 0.000815 989,102.00 46,141,655.50
40 988,699 863 0.000873 988,267.50 45,152,553.50
41 987,836 926 0.000937 987,373.00 44,164,286.00
42 986,910 994 0.001007 986,413.00 43,176,913.00
43 985,916 1,070 0.001085 985,381.00 42,190,500.00
44 984,846 1,152 0.001170 984,270.00 41,205,119.00
45 983,694 1,242 0.001263 983,073.00 40,220,849.00
46 982,452 1,341 0.001365 981,781.50 39,237,776.00
47 981,111 1,448 0.001476 980,387.00 38,255,994.50
48 979,663 1,566 0.001599 978,880.00 37,275,607.50
49 978,097 1,695 0.001733 977,249.50 36,296,727.50
50 976,402 1,836 0.001880 975,484.00 35,319,478.00
51 974,566 1,990 0.002042 973,571.00 34,343,994.00
52 972,576 2,158 0.002219 971,497.00 33,370,423.00
53 970,418 2,341 0.002412 969,247.50 32,398,926.00
54 968,077 2,541 0.002625 966,806.50 31,429,678.50
55 965,536 2,735 0.002833 964,168.50 30,462,872.00
56 962,801 2,950 0.003064 961,326.00 29,498,703.50
57 959,851 3,189 0.003322 958,256.50 28,537,377.50
58 956,662 3,456 0.003613 954,934.00 27,579,121.00
59 953,206 3,752 0.003936 951,330.00 26,624,187.00
60 949,454 4,082 0.004299 947,413.00 25,672,857.00
61 945,372 4,447 0.004704 943,148.50 24,725,444.00
62 940,925 4,853 0.005158 938,498.50 23,782,295.50
63 936,072 5,303 0.005665 933,420.50 22,843,797.00
64 930,769 5,801 0.006232 927,868.50 21,910,376.50
65 924,968 6,351 0.006866 921,792.50 20,982,508.00
66 918,617 6,959 0.007576 915,137.50 20,060,715.50
67 911,658 7,629 0.008368 907,843.50 19,145,578.00
68 904,029 8,367 0.009255 899,845.50 18,237,734.50
69 895,662 9,177 0.010246 891,073.50 17,337,889.00
70 886,485 10,065 0.011354 881,452.50 16,446,815.50
71 876,420 11,036 0.012592 870,902.00 15,565,363.00
72 865,384 12,095 0.013976 859,336.50 14,694,461.00
73 853,289 13,245 0.015522 846,666.50 13,835,124.50
74 840,044 14,490 0.017249 832,799.00 12,988,458.00
75 825,554 15,832 0.019177 817,638.00 12,155,659.00
76 809,722 17,272 0.021331 801,086.00 11,338,021.00
77 792,450 18,809 0.023735 783,045.50 10,536,935.00
78 773,641 20,439 0.026419 763,421.50 9,753,889.50
79 753,202 22,154 0.029413 742,125.00 8,990,468.00
80 731,048 23,943 0.032752 719,076.50 8,248,343.00
81 707,105 25,791 0.036474 694,209.50 7,529,266.50
82 681,314 27,677 0.040623 667,475.50 6,835,057.00
83 653,637 29,572 0.045242 638,851.00 6,167,581.50
84 624,065 31,445 0.050387 608,342.50 5,528,730.50
85 592,620 33,252 0.056110 575,994.00 4,920,388.00
86 559,368 34,945 0.062472 541,895.50 4,344,394.00
87 524,423 36,469 0.069541 506,188.50 3,802,498.50
88 487,954 37,762 0.077388 469,073.00 3,296,310.00
89 450,192 38,757 0.086090 430,813.50 2,827,237.00
90 411,435 39,386 0.095728 391,742.00 2,396,423.50
91 372,049 39,709 0.106731 352,194.50 2,004,681.50
92 332,340 39,700 0.119456 312,490.00 1,652,487.00
93 292,640 39,188 0.133912 273,046.00 1,339,997.00
94 253,452 38,041 0.150092 234,431.50 1,066,951.00
95 215,411 36,189 0.168000 197,316.50 832,519.50
96 179,222 33,628 0.187633 162,408.00 635,203.00
97 145,594 30,428 0.208992 130,380.00 472,795.00
98 115,166 26,728 0.232082 101,802.00 342,415.00
99 88,438 22,719 0.256892 77,078.50 240,613.00
100 65,719 18,627 0.283434 56,405.50 163,534.50
101 47,092 14,679 0.311709 39,752.50 107,129.00
102 32,413 11,075 0.341684 26,875.50 67,376.50
103 21,338 7,968 0.373418 17,354.00 40,501.00
104 13,370 5,440 0.406881 10,650.00 23,147.00
105 7,930 3,505 0.441992 6,177.50 12,497.00
106 4425 2,119 0.478870 3,365.50 6,319.50
107 2306 1,194 0.517780 1,709.00 2,954.00
108 1112 620 0.557554 802.00 1,245.00
109 492 295 0.599593 344.50 443.00
110 197 197 1.000000 98.50 98.50
 n
e0(x) p(x) Punto medio
70.0 0.999728 275.00 Función de sobre
69.1 0.999722 281.50 1200000
68.1 0.999715 289.00
67.1 0.999707 297.50
1000000
66.1 0.999698 306.50
65.1 0.999689 316.00
64.2 0.999678 326.50 800000
63.2 0.999667 338.00
62.2 0.999655 350.50 600000
61.2 0.999642 364.50
60.2 0.999627 380.00
400000
59.3 0.999611 396.50
58.3 0.999593 415.00
57.3 0.999573 435.50 200000
56.3 0.999552 457.50
55.4 0.999529 481.50 0
0 20 40 60
54.4 0.999503 508.00
53.4 0.999475 537.00
52.4 0.999444 568.50
51.5 0.999411 603.50 Expectativa
50.5 0.999373 642.00
80
49.5 0.999332 683.50
48.6 0.999289 729.00 70
47.6 0.999240 779.50
46.6 0.999185 834.50 60
45.7 0.999127 894.50
50
44.7 0.999063 960.00
43.7 0.998993 1,032.00 40
42.8 0.998915 1,111.00
41.8 0.998830 1,197.00 30
40.9 0.998737 1,291.50
39.9 0.998635 1,394.50 20
39.0 0.998524 1,507.00
10
38.0 0.998401 1,630.50
37.1 0.998267 1,765.50 0
0 20 40 60
36.2 0.998120 1,913.00
35.2 0.997958 2,074.00
34.3 0.997781 2,249.50
33.4 0.997588 2,441.00
32.5 0.997375 2,638.00
31.6 0.997167 2,842.50
30.6 0.996936 3,069.50
29.7 0.996678 3,322.50
28.8 0.996387 3,604.00
27.9 0.996064 3,917.00
27.0 0.995701 4,264.50
26.2 0.995296 4,650.00
25.3 0.994842 5,078.00
24.4 0.994335 5,552.00
23.5 0.993768 6,076.00
22.7 0.993134 6,655.00
21.8 0.992424 7,294.00
21.0 0.991632 7,998.00
20.2 0.990745 8,772.00
19.4 0.989754 9,621.00
18.6 0.988646 10,550.50
17.8 0.987408 11,565.50
17.0 0.986024 12,670.00
16.2 0.984478 13,867.50
15.5 0.982751 15,161.00
14.7 0.980823 16,552.00
14.0 0.978669 18,040.50
13.3 0.976265 19,624.00
12.6 0.973581 21,296.50
11.9 0.970587 23,048.50
11.3 0.967248 24,867.00
10.6 0.963526 26,734.00
10.0 0.959377 28,624.50
9.4 0.954758 30,508.50
8.9 0.949613 32,348.50
8.3 0.943890 34,098.50
7.8 0.937528 35,707.00
7.3 0.930459 37,115.50
6.8 0.922612 38,259.50
6.3 0.913910 39,071.50
5.8 0.904272 39,547.50
5.4 0.893269 39,704.50
5.0 0.880544 39,444.00
4.6 0.866088 38,614.50
4.2 0.849908 37,115.00
3.9 0.832000 34,908.50
3.5 0.812367 32,028.00
3.2 0.791008 28,578.00
3.0 0.767918 24,723.50
2.7 0.743108 20,673.00
2.5 0.716566 16,653.00
2.3 0.688291 12,877.00
2.1 0.658316 9,521.50
1.9 0.626582 6,704.00
1.7 0.593119 4,472.50
1.6 0.558008 2,812.00
1.4 0.521130 1,656.50
1.3 0.482220 907.00
1.1 0.442446 457.50
0.9 0.400407 246.00
0.5 0.000000 98.50
Función de sobrevivencia S(x)

40 60 80 100 120

Expectativa de vida

40 60 80 100 120
Interes 8% Años 19
Anual 300 Después de 10

x l(x) d(x) Dx N(x) 2 1

15 1,000,000 485 315242 4181086 53853221 141.56688
16 999,515 496 291749 3865845 49672134 134.05340
17 999,019 509 270004 3574096 45806290 127.37676
18 998,510 522 249876 3304092 42232194 120.95370
19 997,988 537 231246 3054216 38928102 115.21239
20 997,451 553 214001 2822970 35873886 109.85663
21 996,898 571 198040 2608969 33050916 105.03003
22 996,327 591 183265 2410929 30441948 100.65633
23 995,736 612 169589 2227664 28031019 96.51199
24 995,124 636 156930 2058075 25803355 92.86739
25 994,488 662 145213 1901145 23745279 89.50357
26 993,826 690 134367 1755932 21844135 86.37890
27 993,136 721 124328 1621565 20088203 83.57379
28 992,415 755 115035 1497237 18466638 81.03228
29 991,660 792 106432 1382203 16969401 78.70685
30 990,868 832 98470 1275770 15587199 76.55735
31 990,036 877 91099 1177300 14311429 74.72044
32 989,159 926 84276 1086201 13134128 73.05115
33 988,233 979 77961 1001925 12047927 71.51135
34 987,254 1,038 72114 923964 11046002 70.20466
35 986,216 1,102 66702 851850 10122038 69.01228
36 985,114 1,172 61692 785148 9270188 67.95926
37 983,942 1,249 57055 723455 8485041 67.05941
38 982,693 1,333 52761 666401 7761586 66.26797
39 981,360 1,424 48787 613639 7095185 65.54805
40 979,936 1,525 45107 564853 6481546 64.99738
41 978,411 1,635 41701 519745 5916693 64.52381
42 976,776 1,755 38548 478044 5396948 64.12917
43 975,021 1,886 35628 439497 4918904 63.81113
44 973,135 2,030 32925 403869 4479407 63.59560
45 971,105 2,186 30423 370943 4075538 63.40995
46 968,919 2,358 28106 340521 3704595 63.33260
47 966,561 2,544 25960 312415 3364074 63.26694
48 964,017 2,748 23974 286454 3051659 63.27799
49 961,269 2,971 22135 262480 2765205 63.34537
50 958,298 3,213 20432 240345 2502725 63.43065
51 955,085 3,477 18855 219913 2262380 63.55788
52 951,608 3,765 17395 201058 2042466 63.72443
53 947,843 4,077 16043 183663 1841409 63.89368
54 943,766 4,418 14790 167620 1657746 64.10902
55 939,348 4,744 13631 152830 1490125 63.74034
56 934,604 5,106 12557 139199 1337295 63.52238
57 929,498 5,507 11564 126642 1198096 63.43621
58 923,991 5,952 10644 115078 1071455 63.48357
59 918,039 6,444 9791.7329 104434.4875 956376.4145 63.64000
60 911,595 6,988 9002.7793 94642.7546 851941.9270 63.90043
61 904,607 7,588 8272.0064 85639.9752 757299.1724 64.24724
62 897,019 8,250 7595.0179 77367.9689 671659.1972 64.67811
63 888,769 9,134 6967.7459 69772.9510 594291.2283 66.30414
64 879,635 10,078 6385.3124 62805.2051 524518.2773 67.73767
65 869,557 11,080 5844.5886 56419.8927 461713.0722 68.95597
66 858,477 12,143 5342.7002 50575.3041 405293.1795 69.97363
67 846,334 13,265 4876.9710 45232.6039 354717.8754 70.77696
68 833,069 14,446 4444.9369 40355.6329 309485.2715 71.36881
69 818,623 15,683 4044.3135 35910.6960 269129.6385 71.74081
70 802,940 16,972 3672.9939 31866.3825 233218.9425 71.88634
71 785,968 18,310 3329.0340 28193.3886 201352.5599 71.80885
72 767,658 19,688 3010.6300 24864.3547 173159.1713 71.49365
73 747,970 21,098 2716.1267 21853.7247 148294.8167 70.93873
74 726,872 22,530 2443.9934 19137.5979 126441.0920 70.14222
75 704,342 23,970 2192.8147 16693.6045 107303.4941 69.09754
76 680,372 25,402 1961.2864 14500.7899 90609.8896 67.80141
77 654,970 26,808 1748.2045 12539.5035 76109.0997 66.25391
78 628,162 28,168 1552.4540 10791.2990 63569.5962 64.45837
79 599,994 29,456 1372.9990 9238.8450 52778.2973 62.41275
80 570,538 30,646 1208.8826 7865.8460 43539.4523 60.12424
81 539,892 31,711 1059.2115 6656.9633 35673.6063 57.60524
82 508,181 32,619 923.1462 5597.7518 29016.6430 54.86545
83 475,562 33,340 799.8995 4674.6056 23418.8912 51.92424
84 442,222 33,841 688.7235 3874.7061 18744.2855 48.80047
85 408,381 34,093 588.9065 3185.9826 14869.5794 45.52210
86 374,288 34,069 499.7617 2597.0762 11683.5968 42.12042
87 340,219 33,745 420.6219 2097.3145 9086.5206 38.62949
88 306,474 33,103 350.8352 1676.6927 6989.2060 35.08756
89 273,371 32,136 289.7598 1325.8575 5312.5134 31.53943
90 241,235 30,844 236.7567 1036.0976 3986.6559 28.02909
91 210,391 29,239 191.1901 799.3409 2950.5582 24.60237
92 181,152 27,344 152.4255 608.1508 2151.2173 21.30359
93 153,808 25,199 119.831133 455.725314 1543.066487 18.17818
94 128,609 22,851 92.776577 335.894181 1087.341173 15.26330
95 105,758 20,363 70.640938 243.117604 751.446992 12.59393
96 85,395 17,839 52.814347 172.476666 508.329388 10.21566
97 67,556 15,350 38.686518 119.662319 335.852722 8.13917
98 52,206 12,921 27.681676 80.975801 216.190404 6.34372
99 39,285 10,597 19.287457 53.294124 135.214603 4.81734
100 28,688 8,433 13.041415 34.006668 81.920479 3.54963
101 20,255 6,484 8.525757 20.965253 47.913811 2.52709
102 13,771 4,796 5.367134 12.439496 26.948558 1.73074
103 8,975 3,395 3.238826 7.072362 14.509063 1.13441
104 5,580 2,290 1.864505 3.833536 7.436701 0.70850
105 3,290 1,462 1.017892 1.969030 3.603165 0.41882
106 1828 878 0.523671 0.951139 1.634135 0.23289
107 950 492 0.251989 0.427468 0.682996 0.12084
108 458 256 0.112486 0.175479 0.255528 0.05822
109 202 121 0.045937 0.062993 0.080049 0.02548
110 81 81 0.017056 0.017056 0.017056 0.01579
 Mx Entero inmediato Desde hoy hasta w
5531.60585 Pago anticipado Al principio de cada año
5390.03898 X 19
5255.98558 N(x) 3054215.76
5128.60882 Dx 231245.859
5007.65512 ax 13.207656
4892.44273 Anual 300
4782.58611 P= 3962.29679
4677.55608
4576.89974
4480.38775 Entero inmediato Desde hoy hasta w
4387.52036 Pago vencido Al final de cada año
4298.01679 X 19
4211.63789 N(x+1) 2822969.9
4128.06410 Dx 231245.859
4047.03182 ax 12.207656
3968.32497 Anual 300
3891.76762 P= 3662.29679
3817.04718
3743.99603
3672.48468 Entero diferido Desde m hasta w
3602.28002 Pago anticipado Al principio de cada año
3533.26774 X 19
3465.30847 N(x+m) 1382202.57
3398.24906 Dx 231245.859
3331.98109 ax 5.97719924
3266.43304 Anual 300
3201.43566 P= 1793.15977
3136.91185 4
3072.78267
3008.97154 Entero diferido Desde m hasta w
2945.37595 Pago vencido Al final de cada año
2881.96600 X 19
2818.63340 N(x+m) 1275770.17
2755.36646 Dx 231245.859
2692.08846 ax 5.51694275
2628.74309 Anual 300
2565.31244 P= 1655.08282
2501.75456
2438.03013
2374.13645
2310.02743
2246.28709
2182.76471
2119.32849
2055.84492
1992.20492
1928.30448
1864.05724
1799.37913
1733.07499
1665.33732
1596.38134
1526.40772
1455.63076
1384.26195
1312.52114
1240.63480
1168.82595
1097.33231
1026.39358
956.25136
887.15381
819.35240
753.09849
688.64012
626.22737
566.10313
508.49789
453.63244
401.70820
352.90774
307.38564
265.26522
226.63574
191.54818
160.00875
131.97967
107.37729
86.07370
67.89553
52.63223
40.03830
29.82264
21.68347
15.33974
10.52240
6.97278
4.44569
2.71495
1.58054
0.87204
0.45322
0.22032
0.09949
0.04127
0.01579
Interes 8% Años 19
Anual 300 n 30
m

x l(x) d(x) Dx N(x)

15 1,000,000 485 315242 4181086 53853221 141.56688
16 999,515 496 291749 3865845 49672134 134.05340
17 999,019 509 270004 3574096 45806290 127.37676
18 998,510 522 249876 3304092 42232194 120.95370
19 997,988 537 231246 3054216 38928102 115.21239
20 997,451 553 214001 2822970 35873886 109.85663
21 996,898 571 198040 2608969 33050916 105.03003
22 996,327 591 183265 2410929 30441948 100.65633
23 995,736 612 169589 2227664 28031019 96.51199
24 995,124 636 156930 2058075 25803355 92.86739
25 994,488 662 145213 1901145 23745279 89.50357
26 993,826 690 134367 1755932 21844135 86.37890
27 993,136 721 124328 1621565 20088203 83.57379
28 992,415 755 115035 1497237 18466638 81.03228
29 991,660 792 106432 1382203 16969401 78.70685
30 990,868 832 98470 1275770 15587199 76.55735
31 990,036 877 91099 1177300 14311429 74.72044
32 989,159 926 84276 1086201 13134128 73.05115
33 988,233 979 77961 1001925 12047927 71.51135
34 987,254 1,038 72114 923964 11046002 70.20466
35 986,216 1,102 66702 851850 10122038 69.01228
36 985,114 1,172 61692 785148 9270188 67.95926
37 983,942 1,249 57055 723455 8485041 67.05941
38 982,693 1,333 52761 666401 7761586 66.26797
39 981,360 1,424 48787 613639 7095185 65.54805
40 979,936 1,525 45107 564853 6481546 64.99738
41 978,411 1,635 41701 519745 5916693 64.52381
42 976,776 1,755 38548 478044 5396948 64.12917
43 975,021 1,886 35628 439497 4918904 63.81113
44 973,135 2,030 32925 403869 4479407 63.59560
45 971,105 2,186 30423 370943 4075538 63.40995
46 968,919 2,358 28106 340521 3704595 63.33260
47 966,561 2,544 25960 312415 3364074 63.26694
48 964,017 2,748 23974 286454 3051659 63.27799
49 961,269 2,971 22135 262480 2765205 63.34537
50 958,298 3,213 20432 240345 2502725 63.43065
51 955,085 3,477 18855 219913 2262380 63.55788
52 951,608 3,765 17395 201058 2042466 63.72443
53 947,843 4,077 16043 183663 1841409 63.89368
54 943,766 4,418 14790 167620 1657746 64.10902
55 939,348 4,744 13631 152830 1490125 63.74034
56 934,604 5,106 12557 139199 1337295 63.52238
57 929,498 5,507 11564 126642 1198096 63.43621
58 923,991 5,952 10644 115078 1071455 63.48357
59 918,039 6,444 9791.7329 104434.4875 956376.4145 63.64000
60 911,595 6,988 9002.7793 94642.7546 851941.9270 63.90043
61 904,607 7,588 8272.0064 85639.9752 757299.1724 64.24724
62 897,019 8,250 7595.0179 77367.9689 671659.1972 64.67811
63 888,769 9,134 6967.7459 69772.9510 594291.2283 66.30414
64 879,635 10,078 6385.3124 62805.2051 524518.2773 67.73767
65 869,557 11,080 5844.5886 56419.8927 461713.0722 68.95597
66 858,477 12,143 5342.7002 50575.3041 405293.1795 69.97363
67 846,334 13,265 4876.9710 45232.6039 354717.8754 70.77696
68 833,069 14,446 4444.9369 40355.6329 309485.2715 71.36881
69 818,623 15,683 4044.3135 35910.6960 269129.6385 71.74081
70 802,940 16,972 3672.9939 31866.3825 233218.9425 71.88634
71 785,968 18,310 3329.0340 28193.3886 201352.5599 71.80885
72 767,658 19,688 3010.6300 24864.3547 173159.1713 71.49365
73 747,970 21,098 2716.1267 21853.7247 148294.8167 70.93873
74 726,872 22,530 2443.9934 19137.5979 126441.0920 70.14222
75 704,342 23,970 2192.8147 16693.6045 107303.4941 69.09754
76 680,372 25,402 1961.2864 14500.7899 90609.8896 67.80141
77 654,970 26,808 1748.2045 12539.5035 76109.0997 66.25391
78 628,162 28,168 1552.4540 10791.2990 63569.5962 64.45837
79 599,994 29,456 1372.9990 9238.8450 52778.2973 62.41275
80 570,538 30,646 1208.8826 7865.8460 43539.4523 60.12424
81 539,892 31,711 1059.2115 6656.9633 35673.6063 57.60524
82 508,181 32,619 923.1462 5597.7518 29016.6430 54.86545
83 475,562 33,340 799.8995 4674.6056 23418.8912 51.92424
84 442,222 33,841 688.7235 3874.7061 18744.2855 48.80047
85 408,381 34,093 588.9065 3185.9826 14869.5794 45.52210
86 374,288 34,069 499.7617 2597.0762 11683.5968 42.12042
87 340,219 33,745 420.6219 2097.3145 9086.5206 38.62949
88 306,474 33,103 350.8352 1676.6927 6989.2060 35.08756
89 273,371 32,136 289.7598 1325.8575 5312.5134 31.53943
90 241,235 30,844 236.7567 1036.0976 3986.6559 28.02909
91 210,391 29,239 191.1901 799.3409 2950.5582 24.60237
92 181,152 27,344 152.4255 608.1508 2151.2173 21.30359
93 153,808 25,199 119.831133 455.725314 1543.066487 18.17818
94 128,609 22,851 92.776577 335.894181 1087.341173 15.26330
95 105,758 20,363 70.640938 243.117604 751.446992 12.59393
96 85,395 17,839 52.814347 172.476666 508.329388 10.21566
97 67,556 15,350 38.686518 119.662319 335.852722 8.13917
98 52,206 12,921 27.681676 80.975801 216.190404 6.34372
99 39,285 10,597 19.287457 53.294124 135.214603 4.81734
100 28,688 8,433 13.041415 34.006668 81.920479 3.54963
101 20,255 6,484 8.525757 20.965253 47.913811 2.52709
102 13,771 4,796 5.367134 12.439496 26.948558 1.73074
103 8,975 3,395 3.238826 7.072362 14.509063 1.13441
104 5,580 2,290 1.864505 3.833536 7.436701 0.70850
105 3,290 1,462 1.017892 1.969030 3.603165 0.41882
106 1828 878 0.523671 0.951139 1.634135 0.23289
107 950 492 0.251989 0.427468 0.682996 0.12084
108 458 256 0.112486 0.175479 0.255528 0.05822
109 202 121 0.045937 0.062993 0.080049 0.02548
110 81 81 0.017056 0.017056 0.017056 0.01579
 Mx Temporal inmediato Desde hoy hasta n
5531.60585 Pago anticipado Al principio de cada año
5390.03898 X 19
5255.98558 N(x) 3054215.76
5128.60882 N(x+n) 262480.263
5007.65512 Dx 231245.859
4892.44273 ax 12.0725859
4782.58611 Anual 300
4677.55608 P= 3621.77576
4576.89974
4480.38775
4387.52036 Temporal inmediato Desde hoy hasta n
4298.01679 Pago vencido Al final de cada año
4211.63789 X 19
4128.06410 N(x+1) 2822969.9
4047.03182 N(x+n+1) 240345.192
3968.32497 Dx 231245.859
3891.76762 ax 11.1683068
3817.04718 Anual 300
3743.99603 P= 3350.49204
3672.48468
3602.28002
3533.26774 Temporal diferido Desde n hasta m
3465.30847 Pago anticipado Al principio de cada año
3398.24906 X 19
3331.98109 N(x+m) 262480.263
3266.43304 N(x+m+n) 262480.263
3201.43566 Dx 231245.859
3136.91185 ax 0
3072.78267 Anual 300
3008.97154 P= 0
2945.37595 4
2881.96600
2818.63340 Temporal diferido Desde n hasta m
2755.36646 Pago vencido Al final de cada año
2692.08846 X 19
2628.74309 N(x+m+1) 240345.192
2565.31244 N(x+m+n+1) 240345.192
2501.75456 Dx 231245.859
2438.03013 ax 0
2374.13645 Anual 300
2310.02743 P= 0
2246.28709
2182.76471
2119.32849
2055.84492
1992.20492
1928.30448
1864.05724
1799.37913
1733.07499
1665.33732
1596.38134
1526.40772
1455.63076
1384.26195
1312.52114
1240.63480
1168.82595
1097.33231
1026.39358
956.25136
887.15381
819.35240
753.09849
688.64012
626.22737
566.10313
508.49789
453.63244
401.70820
352.90774
307.38564
265.26522
226.63574
191.54818
160.00875
131.97967
107.37729
86.07370
67.89553
52.63223
40.03830
29.82264
21.68347
15.33974
10.52240
6.97278
4.44569
2.71495
1.58054
0.87204
0.45322
0.22032
0.09949
0.04127
0.01579
Interes 7% Años 35
Anual 10000 Después de 12

x l(x) d(x) Dx N(x) 2 1

15 1,000,000 485 362446 5402830 77128326 164.28628
16 999,515 496 338570 5040384 71725496 157.02090
17 999,019 509 316264 4701814 66685112 150.59473
18 998,510 522 295423 4385550 61983299 144.33735
19 997,988 537 275952 4090127 57597749 138.77100
20 997,451 553 257760 3814175 53507622 133.55674
21 996,898 571 240764 3556414 49693448 128.88222
22 996,327 591 224884 3315650 46137034 124.66961
23 995,736 612 210047 3090766 42821383 120.65373
24 995,124 636 196185 2880719 39730617 117.18248
25 994,488 662 183234 2684534 36849898 113.99342
26 993,826 690 171132 2501300 34165364 111.04195
27 993,136 721 159826 2330168 31664065 108.44000
28 992,415 755 149261 2170342 29333897 106.12493
29 991,660 792 139391 2021080 27163555 104.04276
30 990,868 832 130167 1881690 25142475 102.14714
31 990,036 877 121550 1751522 23260785 100.62797
32 989,159 926 113497 1629973 21509262 99.29933
33 988,233 979 105973 1516476 19879290 98.11474
34 987,254 1,038 98942 1410503 18362814 97.22213
35 986,216 1,102 92372 1311561 16952311 96.46407
36 985,114 1,172 86232 1219189 15640751 95.87996
37 983,942 1,249 80495 1132956 14421562 95.49462
38 982,693 1,333 75134 1052461 13288605 95.24953
39 981,360 1,424 70123 977328 12236144 95.09526
40 979,936 1,525 65440 907205 11258817 95.17765
41 978,411 1,635 61064 841764 10351612 95.36721
42 976,776 1,755 56974 780700 9509848 95.66976
43 975,021 1,886 53151 723726 8729148 96.08497
44 973,135 2,030 49578 670575 8005422 96.65538
45 971,105 2,186 46238 620997 7334847 97.27391
46 968,919 2,358 43116 574759 6713850 98.06324
47 966,561 2,544 40197 531644 6139091 98.87711
48 964,017 2,748 37468 491447 5607447 99.81863
49 961,269 2,971 34917 453979 5115999 100.85879
50 958,298 3,213 32532 419062 4662021 101.93846
51 955,085 3,477 30302 386530 4242959 103.09753
52 951,608 3,765 28216 356228 3856429 104.33374
53 947,843 4,077 26266 328011 3500202 105.58852
54 943,766 4,418 24442 301745 3172190 106.93452
55 939,348 4,744 22736 277303 2870445 107.31320
56 934,604 5,106 21142 254567 2593142 107.94573
57 929,498 5,507 19650 233425 2338575 108.80678
58 923,991 5,952 18256 213775 2105150 109.90566
59 918,039 6,444 16951.8948 195518.6056 1891375.5289 111.20617
60 911,595 6,988 15731.6861 178566.7109 1695856.9232 112.70481
61 904,607 7,588 14589.8056 162835.0247 1517290.2124 114.37553
62 897,019 8,250 13520.9568 148245.2191 1354455.1876 116.21868
63 888,769 9,134 12520.1896 134724.2623 1206209.9685 120.25392
64 879,635 10,078 11580.8578 122204.0728 1071485.7062 124.00203
65 869,557 11,080 10699.2296 110623.2149 949281.6334 127.41203
66 858,477 12,143 9871.8679 99923.9854 838658.4185 130.50071
67 846,334 13,265 9095.5441 90052.1174 738734.4331 133.23256
68 833,069 14,446 8367.2759 80956.5734 648682.3157 135.60227
69 818,623 15,683 7684.2818 72589.2974 567725.7423 137.58298
70 802,940 16,972 7043.9888 64905.0156 495136.4449 139.15051
71 785,968 18,310 6444.0166 57861.0269 430231.4293 140.29957
72 767,658 19,688 5882.1458 51417.0103 372370.4024 140.98919
73 747,970 21,098 5356.3434 45534.8645 320953.3921 141.20229
74 726,872 22,530 4864.7261 40178.5211 275418.5277 140.92170
75 704,342 23,970 4405.5513 35313.7950 235240.0066 140.12026
76 680,372 25,402 3977.2174 30908.2438 199926.2116 138.77685
77 654,970 26,808 3578.2487 26931.0264 169017.9678 136.87677
78 628,162 28,168 3207.2809 23352.7776 142086.9414 134.41186
79 599,994 29,456 2863.0470 20145.4967 118734.1638 131.36255
80 570,538 30,646 2544.3823 17282.4498 98588.6671 127.72850
81 539,892 31,711 2250.1989 14738.0675 81306.2173 123.52082
82 508,181 32,619 1979.4688 12487.8686 66568.1498 118.74548
83 475,562 33,340 1731.2253 10508.3999 54080.2812 113.43009
84 442,222 33,841 1504.5375 8777.1745 43571.8813 107.60243
85 408,381 34,093 1298.5074 7272.6370 34794.7067 101.31187
86 374,288 34,069 1112.2464 5974.1297 27522.0697 94.61734
87 340,219 33,745 944.8653 4861.8832 21547.9400 87.58646
88 306,474 33,103 795.4652 3917.0179 16686.0568 80.29919
89 273,371 32,136 663.1263 3121.5527 12769.0389 72.85374
90 241,235 30,844 546.8904 2458.4264 9647.4862 65.35020
91 210,391 29,239 445.7624 1911.5360 7189.0598 57.89685
92 181,152 27,344 358.7035 1465.7736 5277.5238 50.60235
93 153,808 25,199 284.634540 1107.070152 3811.750205 43.58211
94 128,609 22,851 222.431484 822.435611 2704.680053 36.93570
95 105,758 20,363 170.944192 600.004128 1882.244442 30.76090
96 85,395 17,839 129.000022 429.059936 1282.240314 25.18512
97 67,556 15,350 95.375646 300.059914 853.180378 20.25341
98 52,206 12,921 68.882707 204.684268 553.120464 15.93317
99 39,285 10,597 48.443194 135.801561 348.436197 12.21252
100 28,688 8,433 33.061496 87.358367 212.634636 9.08282
101 20,255 6,484 21.815778 54.296871 125.276268 6.52676
102 13,771 4,796 13.861817 32.481093 70.979397 4.51180
103 8,975 3,395 8.443167 18.619276 38.498304 2.98488
104 5,580 2,290 4.905930 10.176110 19.879028 1.88165
105 3,290 1,462 2.703331 5.270180 9.702918 1.12271
106 1828 878 1.403769 2.566849 4.432737 0.63013
107 950 492 0.681804 1.163080 1.865888 0.33000
108 458 256 0.307197 0.481276 0.702808 0.16048
109 202 121 0.126625 0.174079 0.221532 0.07089
110 81 81 0.047454 0.047454 0.047454 0.04435
 Mx Entero inmediato Desde hoy hasta w
8989.86159 Pago anticipado Al principio de cada año
8825.57531 X 35
8668.55441 N(x) 1311560.71
8517.95968 Dx 92371.889
8373.62233 ax 14.1986996
8234.85132 Anual 10000
8101.29459 P= 141986.996
7972.41237
7847.74276
7727.08903 Entero inmediato Desde hoy hasta w
7609.90655 Pago vencido Al final de cada año
7495.91314 X 35
7384.87118 N(x+1) 1219188.82
7276.43119 Dx 92371.889
7170.30626 ax 13.1986996
7066.26351 Anual 10000
6964.11637 P= 131986.996
6863.48840
6764.18907
6666.07433 Entero diferido Desde m hasta w
6568.85220 Pago anticipado Al principio de cada año
6472.38812 X 35
6376.50816 N(x+m) 531643.948
6281.01355 Dx 92371.889
6185.76402 ax 5.75547337
6090.66876 Anual 10000
5995.49111 P= 57554.7337
5900.12390 4
5804.45414
5708.36917 Entero diferido Desde m hasta w
5611.71379 Pago vencido Al final de cada año
5514.43987 X 35
5416.37663 N(x+m) 491447.126
5317.49952 Dx 92371.889
5217.68088 ax 5.32031044
5116.82209 Anual 10000
5014.88363 P= 53203.1044
4911.78610
4807.45237
4701.86384
4594.92932
4487.61612
4379.67039
4270.86361
4160.95795
4049.75179
3937.04697
3822.67145
3706.45276
3586.19885
3462.19681
3334.78478
3204.28407
3071.05151
2935.44924
2797.86626
2658.71575
2518.41618
2377.42698
2236.22470
2095.30300
1955.18274
1816.40589
1679.52912
1545.11726
1413.75471
1286.02622
1162.50540
1043.75991
930.32983
822.72739
721.41552
626.79818
539.21172
458.91253
386.05880
320.70860
262.81174
212.20939
168.62728
131.69159
100.93068
75.74556
55.49215
39.55898
27.34646
18.26365
11.73689
7.22508
4.24020
2.35855
1.23584
0.60571
0.27571
0.11524
0.04435
Interes 7% Años 35
Anual 10000 n 20
m

x l(x) d(x) Dx N(x)

15 1,000,000 485 362446 5402830 77128326 164.28628
16 999,515 496 338570 5040384 71725496 157.02090
17 999,019 509 316264 4701814 66685112 150.59473
18 998,510 522 295423 4385550 61983299 144.33735
19 997,988 537 275952 4090127 57597749 138.77100
20 997,451 553 257760 3814175 53507622 133.55674
21 996,898 571 240764 3556414 49693448 128.88222
22 996,327 591 224884 3315650 46137034 124.66961
23 995,736 612 210047 3090766 42821383 120.65373
24 995,124 636 196185 2880719 39730617 117.18248
25 994,488 662 183234 2684534 36849898 113.99342
26 993,826 690 171132 2501300 34165364 111.04195
27 993,136 721 159826 2330168 31664065 108.44000
28 992,415 755 149261 2170342 29333897 106.12493
29 991,660 792 139391 2021080 27163555 104.04276
30 990,868 832 130167 1881690 25142475 102.14714
31 990,036 877 121550 1751522 23260785 100.62797
32 989,159 926 113497 1629973 21509262 99.29933
33 988,233 979 105973 1516476 19879290 98.11474
34 987,254 1,038 98942 1410503 18362814 97.22213
35 986,216 1,102 92372 1311561 16952311 96.46407
36 985,114 1,172 86232 1219189 15640751 95.87996
37 983,942 1,249 80495 1132956 14421562 95.49462
38 982,693 1,333 75134 1052461 13288605 95.24953
39 981,360 1,424 70123 977328 12236144 95.09526
40 979,936 1,525 65440 907205 11258817 95.17765
41 978,411 1,635 61064 841764 10351612 95.36721
42 976,776 1,755 56974 780700 9509848 95.66976
43 975,021 1,886 53151 723726 8729148 96.08497
44 973,135 2,030 49578 670575 8005422 96.65538
45 971,105 2,186 46238 620997 7334847 97.27391
46 968,919 2,358 43116 574759 6713850 98.06324
47 966,561 2,544 40197 531644 6139091 98.87711
48 964,017 2,748 37468 491447 5607447 99.81863
49 961,269 2,971 34917 453979 5115999 100.85879
50 958,298 3,213 32532 419062 4662021 101.93846
51 955,085 3,477 30302 386530 4242959 103.09753
52 951,608 3,765 28216 356228 3856429 104.33374
53 947,843 4,077 26266 328011 3500202 105.58852
54 943,766 4,418 24442 301745 3172190 106.93452
55 939,348 4,744 22736 277303 2870445 107.31320
56 934,604 5,106 21142 254567 2593142 107.94573
57 929,498 5,507 19650 233425 2338575 108.80678
58 923,991 5,952 18256 213775 2105150 109.90566
59 918,039 6,444 16951.8948 195518.6056 1891375.5289 111.20617
60 911,595 6,988 15731.6861 178566.7109 1695856.9232 112.70481
61 904,607 7,588 14589.8056 162835.0247 1517290.2124 114.37553
62 897,019 8,250 13520.9568 148245.2191 1354455.1876 116.21868
63 888,769 9,134 12520.1896 134724.2623 1206209.9685 120.25392
64 879,635 10,078 11580.8578 122204.0728 1071485.7062 124.00203
65 869,557 11,080 10699.2296 110623.2149 949281.6334 127.41203
66 858,477 12,143 9871.8679 99923.9854 838658.4185 130.50071
67 846,334 13,265 9095.5441 90052.1174 738734.4331 133.23256
68 833,069 14,446 8367.2759 80956.5734 648682.3157 135.60227
69 818,623 15,683 7684.2818 72589.2974 567725.7423 137.58298
70 802,940 16,972 7043.9888 64905.0156 495136.4449 139.15051
71 785,968 18,310 6444.0166 57861.0269 430231.4293 140.29957
72 767,658 19,688 5882.1458 51417.0103 372370.4024 140.98919
73 747,970 21,098 5356.3434 45534.8645 320953.3921 141.20229
74 726,872 22,530 4864.7261 40178.5211 275418.5277 140.92170
75 704,342 23,970 4405.5513 35313.7950 235240.0066 140.12026
76 680,372 25,402 3977.2174 30908.2438 199926.2116 138.77685
77 654,970 26,808 3578.2487 26931.0264 169017.9678 136.87677
78 628,162 28,168 3207.2809 23352.7776 142086.9414 134.41186
79 599,994 29,456 2863.0470 20145.4967 118734.1638 131.36255
80 570,538 30,646 2544.3823 17282.4498 98588.6671 127.72850
81 539,892 31,711 2250.1989 14738.0675 81306.2173 123.52082
82 508,181 32,619 1979.4688 12487.8686 66568.1498 118.74548
83 475,562 33,340 1731.2253 10508.3999 54080.2812 113.43009
84 442,222 33,841 1504.5375 8777.1745 43571.8813 107.60243
85 408,381 34,093 1298.5074 7272.6370 34794.7067 101.31187
86 374,288 34,069 1112.2464 5974.1297 27522.0697 94.61734
87 340,219 33,745 944.8653 4861.8832 21547.9400 87.58646
88 306,474 33,103 795.4652 3917.0179 16686.0568 80.29919
89 273,371 32,136 663.1263 3121.5527 12769.0389 72.85374
90 241,235 30,844 546.8904 2458.4264 9647.4862 65.35020
91 210,391 29,239 445.7624 1911.5360 7189.0598 57.89685
92 181,152 27,344 358.7035 1465.7736 5277.5238 50.60235
93 153,808 25,199 284.634540 1107.070152 3811.750205 43.58211
94 128,609 22,851 222.431484 822.435611 2704.680053 36.93570
95 105,758 20,363 170.944192 600.004128 1882.244442 30.76090
96 85,395 17,839 129.000022 429.059936 1282.240314 25.18512
97 67,556 15,350 95.375646 300.059914 853.180378 20.25341
98 52,206 12,921 68.882707 204.684268 553.120464 15.93317
99 39,285 10,597 48.443194 135.801561 348.436197 12.21252
100 28,688 8,433 33.061496 87.358367 212.634636 9.08282
101 20,255 6,484 21.815778 54.296871 125.276268 6.52676
102 13,771 4,796 13.861817 32.481093 70.979397 4.51180
103 8,975 3,395 8.443167 18.619276 38.498304 2.98488
104 5,580 2,290 4.905930 10.176110 19.879028 1.88165
105 3,290 1,462 2.703331 5.270180 9.702918 1.12271
106 1828 878 1.403769 2.566849 4.432737 0.63013
107 950 492 0.681804 1.163080 1.865888 0.33000
108 458 256 0.307197 0.481276 0.702808 0.16048
109 202 121 0.126625 0.174079 0.221532 0.07089
110 81 81 0.047454 0.047454 0.047454 0.04435
 Mx Temporal inmediato Desde hoy hasta n
8989.86159 Pago anticipado Al principio de cada año
8825.57531 X 35
8668.55441 N(x) 1311560.71
8517.95968 N(x+n) 277302.97
8373.62233 Dx 92371.889
8234.85132 ax 11.1966719
8101.29459 Anual 10000
7972.41237 P= 111966.719
7847.74276
7727.08903
7609.90655 Temporal inmediato Desde hoy hasta n
7495.91314 Pago vencido Al final de cada año
7384.87118 X 35
7276.43119 N(x+1) 1219188.82
7170.30626 N(x+n+1) 254566.725
7066.26351 Dx 92371.889
6964.11637 ax 10.4428101
6863.48840 Anual 10000
6764.18907 P= 104428.101
6666.07433
6568.85220
6472.38812 Temporal diferido Desde n hasta m
6376.50816 Pago anticipado Al principio de cada año
6281.01355 X 35
6185.76402 N(x+m) 277302.97
6090.66876 N(x+m+n) 277302.97
5995.49111 Dx 92371.889
5900.12390 ax 0
5804.45414 Anual 10000
5708.36917 P= 0
5611.71379 4
5514.43987
5416.37663 Temporal diferido Desde n hasta m
5317.49952 Pago vencido Al final de cada año
5217.68088 X 35
5116.82209 N(x+m+1) 254566.725
5014.88363 N(x+m+n+1) 254566.725
4911.78610 Dx 92371.889
4807.45237 ax 0
4701.86384 Anual 10000
4594.92932 P= 0
4487.61612
4379.67039
4270.86361
4160.95795
4049.75179
3937.04697
3822.67145
3706.45276
3586.19885
3462.19681
3334.78478
3204.28407
3071.05151
2935.44924
2797.86626
2658.71575
2518.41618
2377.42698
2236.22470
2095.30300
1955.18274
1816.40589
1679.52912
1545.11726
1413.75471
1286.02622
1162.50540
1043.75991
930.32983
822.72739
721.41552
626.79818
539.21172
458.91253
386.05880
320.70860
262.81174
212.20939
168.62728
131.69159
100.93068
75.74556
55.49215
39.55898
27.34646
18.26365
11.73689
7.22508
4.24020
2.35855
1.23584
0.60571
0.27571
0.11524
0.04435
Mario tiene que pagar anualidades de 2000000 cada comienzo de año, despues de 7 años durante 20 años
¿Cuánto tiene que pagar hoy para sostener eso y el tiene 20

Interes 8% Años 20
Anual 2000000 n 7
m 20

x l(x) d(x) Dx N(x)

15 1,000,000 485 315242 4181086 53853221 141.56688
16 999,515 496 291749 3865845 49672134 134.05340
17 999,019 509 270004 3574096 45806290 127.37676
18 998,510 522 249876 3304092 42232194 120.95370
19 997,988 537 231246 3054216 38928102 115.21239
20 997,451 553 214001 2822970 35873886 109.85663
21 996,898 571 198040 2608969 33050916 105.03003
22 996,327 591 183265 2410929 30441948 100.65633
23 995,736 612 169589 2227664 28031019 96.51199
24 995,124 636 156930 2058075 25803355 92.86739
25 994,488 662 145213 1901145 23745279 89.50357
26 993,826 690 134367 1755932 21844135 86.37890
27 993,136 721 124328 1621565 20088203 83.57379
28 992,415 755 115035 1497237 18466638 81.03228
29 991,660 792 106432 1382203 16969401 78.70685
30 990,868 832 98470 1275770 15587199 76.55735
31 990,036 877 91099 1177300 14311429 74.72044
32 989,159 926 84276 1086201 13134128 73.05115
33 988,233 979 77961 1001925 12047927 71.51135
34 987,254 1,038 72114 923964 11046002 70.20466
35 986,216 1,102 66702 851850 10122038 69.01228
36 985,114 1,172 61692 785148 9270188 67.95926
37 983,942 1,249 57055 723455 8485041 67.05941
38 982,693 1,333 52761 666401 7761586 66.26797
39 981,360 1,424 48787 613639 7095185 65.54805
40 979,936 1,525 45107 564853 6481546 64.99738
41 978,411 1,635 41701 519745 5916693 64.52381
42 976,776 1,755 38548 478044 5396948 64.12917
43 975,021 1,886 35628 439497 4918904 63.81113
44 973,135 2,030 32925 403869 4479407 63.59560
45 971,105 2,186 30423 370943 4075538 63.40995
46 968,919 2,358 28106 340521 3704595 63.33260
47 966,561 2,544 25960 312415 3364074 63.26694
48 964,017 2,748 23974 286454 3051659 63.27799
49 961,269 2,971 22135 262480 2765205 63.34537
50 958,298 3,213 20432 240345 2502725 63.43065
51 955,085 3,477 18855 219913 2262380 63.55788
52 951,608 3,765 17395 201058 2042466 63.72443
53 947,843 4,077 16043 183663 1841409 63.89368
54 943,766 4,418 14790 167620 1657746 64.10902
55 939,348 4,744 13631 152830 1490125 63.74034
56 934,604 5,106 12557 139199 1337295 63.52238
57 929,498 5,507 11564 126642 1198096 63.43621
58 923,991 5,952 10644 115078 1071455 63.48357
59 918,039 6,444 9791.7329 104434.4875 956376.4145 63.64000
60 911,595 6,988 9002.7793 94642.7546 851941.9270 63.90043
61 904,607 7,588 8272.0064 85639.9752 757299.1724 64.24724
62 897,019 8,250 7595.0179 77367.9689 671659.1972 64.67811
63 888,769 9,134 6967.7459 69772.9510 594291.2283 66.30414
64 879,635 10,078 6385.3124 62805.2051 524518.2773 67.73767
65 869,557 11,080 5844.5886 56419.8927 461713.0722 68.95597
66 858,477 12,143 5342.7002 50575.3041 405293.1795 69.97363
67 846,334 13,265 4876.9710 45232.6039 354717.8754 70.77696
68 833,069 14,446 4444.9369 40355.6329 309485.2715 71.36881
69 818,623 15,683 4044.3135 35910.6960 269129.6385 71.74081
70 802,940 16,972 3672.9939 31866.3825 233218.9425 71.88634
71 785,968 18,310 3329.0340 28193.3886 201352.5599 71.80885
72 767,658 19,688 3010.6300 24864.3547 173159.1713 71.49365
73 747,970 21,098 2716.1267 21853.7247 148294.8167 70.93873
74 726,872 22,530 2443.9934 19137.5979 126441.0920 70.14222
75 704,342 23,970 2192.8147 16693.6045 107303.4941 69.09754
76 680,372 25,402 1961.2864 14500.7899 90609.8896 67.80141
77 654,970 26,808 1748.2045 12539.5035 76109.0997 66.25391
78 628,162 28,168 1552.4540 10791.2990 63569.5962 64.45837
79 599,994 29,456 1372.9990 9238.8450 52778.2973 62.41275
80 570,538 30,646 1208.8826 7865.8460 43539.4523 60.12424
81 539,892 31,711 1059.2115 6656.9633 35673.6063 57.60524
82 508,181 32,619 923.1462 5597.7518 29016.6430 54.86545
83 475,562 33,340 799.8995 4674.6056 23418.8912 51.92424
84 442,222 33,841 688.7235 3874.7061 18744.2855 48.80047
85 408,381 34,093 588.9065 3185.9826 14869.5794 45.52210
86 374,288 34,069 499.7617 2597.0762 11683.5968 42.12042
87 340,219 33,745 420.6219 2097.3145 9086.5206 38.62949
88 306,474 33,103 350.8352 1676.6927 6989.2060 35.08756
89 273,371 32,136 289.7598 1325.8575 5312.5134 31.53943
90 241,235 30,844 236.7567 1036.0976 3986.6559 28.02909
91 210,391 29,239 191.1901 799.3409 2950.5582 24.60237
92 181,152 27,344 152.4255 608.1508 2151.2173 21.30359
93 153,808 25,199 119.831133 455.725314 1543.066487 18.17818
94 128,609 22,851 92.776577 335.894181 1087.341173 15.26330
95 105,758 20,363 70.640938 243.117604 751.446992 12.59393
96 85,395 17,839 52.814347 172.476666 508.329388 10.21566
97 67,556 15,350 38.686518 119.662319 335.852722 8.13917
98 52,206 12,921 27.681676 80.975801 216.190404 6.34372
99 39,285 10,597 19.287457 53.294124 135.214603 4.81734
100 28,688 8,433 13.041415 34.006668 81.920479 3.54963
101 20,255 6,484 8.525757 20.965253 47.913811 2.52709
102 13,771 4,796 5.367134 12.439496 26.948558 1.73074
103 8,975 3,395 3.238826 7.072362 14.509063 1.13441
104 5,580 2,290 1.864505 3.833536 7.436701 0.70850
105 3,290 1,462 1.017892 1.969030 3.603165 0.41882
106 1828 878 0.523671 0.951139 1.634135 0.23289
107 950 492 0.251989 0.427468 0.682996 0.12084
108 458 256 0.112486 0.175479 0.255528 0.05822
109 202 121 0.045937 0.062993 0.080049 0.02548
110 81 81 0.017056 0.017056 0.017056 0.01579
años durante 20 años

Mx Temporal inmediato Desde hoy hasta n

5531.60585 Pago anticipado Al principio de cada año
5390.03898 X 20
5255.98558 N(x) 2822969.9
5128.60882 N(x+n) 1621564.62
5007.65512 Dx 214001.324
4892.44273 ax 5.6140086
4782.58611 Anual 2000000
4677.55608 P= 11228017.2
4576.89974
4480.38775
4387.52036 Temporal inmediato Desde hoy hasta n
4298.01679 Pago vencido Al final de cada año
4211.63789 X 20
4128.06410 N(x+1) 2608968.57
4047.03182 N(x+n+1) 1497237.09
3968.32497 Dx 214001.324
3891.76762 ax 5.1949748
3817.04718 Anual 2000000
3743.99603 P= 10389949.6
3672.48468
3602.28002
3533.26774 Temporal diferido Desde n hasta m
3465.30847 Pago anticipado Al principio de cada año
3398.24906 X 20
3331.98109 N(x+m) 1621564.62
3266.43304 N(x+m+n) 312414.963
3201.43566 Dx 214001.324
3136.91185 ax 6.11748394
3072.78267 Anual 2000000
3008.97154 P= 12234967.9
2945.37595 4
2881.96600
2818.63340 Temporal diferido Desde n hasta m
2755.36646 Pago vencido Al final de cada año
2692.08846 X 20
2628.74309 N(x+m+1) 1497237.09
2565.31244 N(x+m+n+1) 286454.48
2501.75456 Dx 214001.324
2438.03013 ax 5.65782765
2374.13645 Anual 2000000
2310.02743 P= 11315655.3
2246.28709
2182.76471
2119.32849
2055.84492
1992.20492
1928.30448
1864.05724
1799.37913
1733.07499
1665.33732
1596.38134
1526.40772
1455.63076
1384.26195
1312.52114
1240.63480
1168.82595
1097.33231
1026.39358
956.25136
887.15381
819.35240
753.09849
688.64012
626.22737
566.10313
508.49789
453.63244
401.70820
352.90774
307.38564
265.26522
226.63574
191.54818
160.00875
131.97967
107.37729
86.07370
67.89553
52.63223
40.03830
29.82264
21.68347
15.33974
10.52240
6.97278
4.44569
2.71495
1.58054
0.87204
0.45322
0.22032
0.09949
0.04127
0.01579