CALCULO DE MONTO CALCULO DE VALOR ACTUAL

RENTAS RENTAS
VENCIDA ANTICIPADA VENCIDA ANTICIPADA
S= Q3,803,703.25 Q3,841,551.98 A= Q4,303,607.43 Q4,643,982.20
R= Q300,000.00 R= Q500,000.00 DIFERIDA
p= 4 p= 3 VENCIDA ANTICIPADA
j= 0.04 j= 0.235 Q3,055,428.38 Q3,297,083.96
m= 2 m= 4
n= 3.00 n= 5.00
1+j/m = 1.02 y= 1.50
1+j/m = 1.05875

SOLO INGRESE VALORES EN LAS CELDAS DE COLOR

 RENTA EN FUNCIÓN DEL MONTO RENTA EN FUNCIÓN DEL VALOR ACTUAL
RENTAS RENTAS
VENCIDA ANTICIPADA VENCIDA ANTICIPADA
R= Q6,457.14 Q6,425.25 R= Q58,090.80 Q53,833.11
S= Q450,000.00 A= Q500,000.00 DIFERIDA
p= 12 p= 3 VENCIDA ANTICIPADA
j= 0.06 j= 0.235 Q81,821.59 Q75,824.58
m= 3 m= 4
n= 5.00 n= 5.00
1+j/m = 1.02 y= 1.5
1+j/m = 1.05875

SOLO INGRESE VALORES EN LAS CELDAS DE COLOR

 TIEMPO EN FUNCIÓN DEL MONTO TIEMPO EN FUNCIÓN DEL VALOR ACTUAL
RENTAS RENTAS
VENCIDA ANTICIPADA VENCIDA ANTICIPADA
n= 0.24042 0.23390 n= 5.85085 5.60547
S= Q20,048.10 A= Q29,863.94 DIFERIDA
p= 54 p= 4 VENCIDA ANTICIPADA
j= 3 j= 0.12 7.00000 6.68418
m= 2 m= 12
R= Q1,250.00 R= Q1,800.00
1+j/m = 2.5 y= 1.00
1+j/m = 1.01

SOLO INGRESE VALORES EN LAS CELDAS DE COLOR

 CONSTITUCION DE FONDOS
CON RENTAS VENCIDAS MONTO Q450,000.00 CON RENTAS ANTICIPADAS
ACUMULADO ACUMULADO
EN EL TASA EN EL
RENTA INTERESES PERIODO SALDO EQUIVALENTE RENTA INTERESES PERIODO

1 Q6,457.14 Q0.00 Q6,457.14 Q6,457.14 0.004963 1 Q6,425.25 Q31.89 Q6,457.14

2 Q6,457.14 Q32.05 Q6,489.18 Q12,946.32 0.004963 2 Q6,425.25 Q63.93 Q6,489.18
3 Q6,457.14 Q64.25 Q6,521.39 Q19,467.71 0.004963 3 Q6,425.25 Q96.14 Q6,521.39
4 Q6,457.14 Q96.62 Q6,553.75 Q26,021.46 0.004963 4 Q6,425.25 Q128.50 Q6,553.75
5 Q6,457.14 Q129.14 Q6,586.28 Q32,607.74 0.004963 5 Q6,425.25 Q161.03 Q6,586.28
6 Q6,457.14 Q161.83 Q6,618.97 Q39,226.71 0.004963 6 Q6,425.25 Q193.72 Q6,618.97
7 Q6,457.14 Q194.68 Q6,651.82 Q45,878.53 0.004963 7 Q6,425.25 Q226.57 Q6,651.82
8 Q6,457.14 Q227.69 Q6,684.83 Q52,563.35 0.004963 8 Q6,425.25 Q259.58 Q6,684.83
9 Q6,457.14 Q260.87 Q6,718.01 Q59,281.36 0.004963 9 Q6,425.25 Q292.76 Q6,718.01
10 Q6,457.14 Q294.21 Q6,751.35 Q66,032.71 0.004963 10 Q6,425.25 Q326.10 Q6,751.35
11 Q6,457.14 Q327.72 Q6,784.85 Q72,817.56 0.004963
12 Q6,457.14 Q361.39 Q6,818.53 Q79,636.08 0.004963
13 Q6,457.14 Q395.23 Q6,852.37 Q86,488.45 0.004963
14 Q6,457.14 Q429.24 Q6,886.37 Q93,374.82 0.004963
15 Q6,457.14 Q463.41 Q6,920.55 Q100,295.37 0.004963
16 Q6,457.14 Q497.76 Q6,954.90 Q107,250.27 0.004963
17 Q6,457.14 Q532.28 Q6,989.41 Q114,239.68 0.004963
18 Q6,457.14 Q566.96 Q7,024.10 Q121,263.78 0.004963
19 Q6,457.14 Q601.82 Q7,058.96 Q128,322.74 0.004963
20 Q6,457.14 Q636.86 Q7,093.99 Q135,416.74 0.004963
21 Q6,457.14 Q672.06 Q7,129.20 Q142,545.94 0.004963
22 Q6,457.14 Q707.45 Q7,164.58 Q149,710.52 0.004963
23 Q6,457.14 Q743.00 Q7,200.14 Q156,910.66 0.004963
24 Q6,457.14 Q778.74 Q7,235.87 Q164,146.53 0.004963
25 Q6,457.14 Q814.65 Q7,271.78 Q171,418.32 0.004963
26 Q6,457.14 Q850.74 Q7,307.87 Q178,726.19 0.004963
27 Q6,457.14 Q887.01 Q7,344.14 Q186,070.34 0.004963
28 Q6,457.14 Q923.45 Q7,380.59 Q193,450.93 0.004963
29 Q6,457.14 Q960.08 Q7,417.22 Q200,868.15 0.004963
30 Q6,457.14 Q996.89 Q7,454.03 Q208,322.18 0.004963
31 Q6,457.14 Q1,033.89 Q7,491.03 Q215,813.20 0.004963
32 Q6,457.14 Q1,071.07 Q7,528.20 Q223,341.41 0.004963
33 Q6,457.14 Q1,108.43 Q7,565.57 Q230,906.97 0.004963
34 Q6,457.14 Q1,145.98 Q7,603.11 Q238,510.08 0.004963
35 Q6,457.14 Q1,183.71 Q7,640.85 Q246,150.93 0.004963
36 Q6,457.14 Q1,221.63 Q7,678.77 Q253,829.70 0.004963
37 Q6,457.14 Q1,259.74 Q7,716.88 Q261,546.57 0.004963
38 Q6,457.14 Q1,298.04 Q7,755.17 Q269,301.75 0.004963
39 Q6,457.14 Q1,336.53 Q7,793.66 Q277,095.41 0.004963
40 Q6,457.14 Q1,375.21 Q7,832.34 Q284,927.75 0.004963
41 Q6,457.14 Q1,414.08 Q7,871.21 Q292,798.97 0.004963
42 Q6,457.14 Q1,453.14 Q7,910.28 Q300,709.25 0.004963
43 Q6,457.14 Q1,492.40 Q7,949.54 Q308,658.78 0.004963
44 Q6,457.14 Q1,531.85 Q7,988.99 Q316,647.77 0.004963
45 Q6,457.14 Q1,571.50 Q8,028.64 Q324,676.41 0.004963
46 Q6,457.14 Q1,611.35 Q8,068.48 Q332,744.89 0.004963
47 Q6,457.14 Q1,651.39 Q8,108.53 Q340,853.42 0.004963
48 Q6,457.14 Q1,691.63 Q8,148.77 Q349,002.19 0.004963
49 Q6,457.14 Q1,732.07 Q8,189.21 Q357,191.40 0.004963
50 Q6,457.14 Q1,772.72 Q8,229.85 Q365,421.25 0.004963
51 Q6,457.14 Q1,813.56 Q8,270.70 Q373,691.95 0.004963
52 Q6,457.14 Q1,854.61 Q8,311.74 Q382,003.70 0.004963
53 Q6,457.14 Q1,895.86 Q8,353.00 Q390,356.69 0.004963
54 Q6,457.14 Q1,937.31 Q8,394.45 Q398,751.14 0.004963
55 Q6,457.14 Q1,978.97 Q8,436.11 Q407,187.25 0.004963
56 Q6,457.14 Q2,020.84 Q8,477.98 Q415,665.23 0.004963
57 Q6,457.14 Q2,062.92 Q8,520.06 Q424,185.29 0.004963
58 Q6,457.14 Q2,105.20 Q8,562.34 Q432,747.63 0.004963
59 Q6,457.14 Q2,147.70 Q8,604.83 Q441,352.46 0.004963
60 Q6,457.14 Q2,190.40 Q8,647.54 Q450,000.00 0.004963
61
62
 MONTO Q450,000.00

TASA
SALDO EQUIVALENTE
Q6,457.14 0.004963
Q12,946.32 0.004963
Q19,467.71 0.004963
Q26,021.46 0.004963
Q32,607.74 0.004963
Q39,226.71 0.004963
Q45,878.53 0.004963
Q52,563.35 0.004963
Q59,281.36 0.004963
Q66,032.71 0.004963
 AMORTIZACION DE ADEUDOS
CON RENTAS VENCIDAS CON RENTAS ANTICIPADAS

NETO TASA NETO TASA

RENTA INTERESES AMORTIZADO SALDO EQUIVALENTE RENTA INTERESES AMORTIZADO SALDO EQUIVALENTE
0 VALOR ACTUAL Q500,000.00 0.079091 0 VALOR ACTUAL Q500,000.00
1 Q58,090.80 Q39,545.29 Q18,545.51 Q481,454.49 0.079091 1 Q53,833.11 Q35,287.59 Q18,545.51 Q481,454.49 0.079091
2 Q58,090.80 Q38,078.51 Q20,012.29 Q461,442.20 0.079091 2 Q53,833.11 Q33,820.82 Q20,012.29 Q461,442.20 0.079091
3 Q58,090.80 Q36,495.73 Q21,595.07 Q439,847.12 0.079091 3 Q53,833.11 Q32,238.04 Q21,595.07 Q439,847.12 0.079091
4 Q58,090.80 Q34,787.76 Q23,303.04 Q416,544.08 0.079091 4 Q53,833.11 Q30,530.07 Q23,303.04 Q416,544.08 0.079091
5 Q58,090.80 Q32,944.71 Q25,146.09 Q391,397.99 0.079091 5 Q53,833.11 Q28,687.02 Q25,146.09 Q391,397.99 0.079091
6 Q58,090.80 Q30,955.89 Q27,134.91 Q364,263.08 0.079091 6 Q53,833.11 Q26,698.20 Q27,134.91 Q364,263.08 0.079091
7 Q58,090.80 Q28,809.78 Q29,281.03 Q334,982.05 0.079091 7 Q53,833.11 Q24,552.08 Q29,281.03 Q334,982.05 0.079091
8 Q58,090.80 Q26,493.92 Q31,596.88 Q303,385.18 0.079091 8 Q53,833.11 Q22,236.23 Q31,596.88 Q303,385.18 0.079091
9 Q58,090.80 Q23,994.91 Q34,095.89 Q269,289.28 0.079091 9 Q53,833.11 Q19,737.22 Q34,095.89 Q269,289.28 0.079091
10 Q58,090.80 Q21,298.24 Q36,792.56 Q232,496.73 0.079091 10 Q53,833.11 Q17,040.55 Q36,792.56 Q232,496.73 0.079091

CON DIFERIMIENTO Y RENTAS VENCIDAS CON DIFERIMIENTO Y RENTAS ANTICIPADAS

NETO TASA NETO TASA

RENTA INTERESES AMORTIZADO SALDO EQUIVALENTE RENTA INTERESES AMORTIZADO SALDO EQUIVALENTE
Q500,000.00 Q500,000.00
0 Q204,255.98 Q704,255.98 0 Q204,255.98 Q704,255.98
1 Q81,821.59 Q55,700.01 Q26,121.58 Q678,134.40 0.079091 1 Q75,824.58 Q49,703.00 Q26,121.58 Q678,134.40 0.079091
2 Q81,821.59 Q53,634.04 Q28,187.55 Q649,946.85 0.079091 2 Q75,824.58 Q47,637.03 Q28,187.55 Q649,946.85 0.079091
3 Q81,821.59 Q51,404.67 Q30,416.92 Q619,529.93 0.079091 3 Q75,824.58 Q45,407.66 Q30,416.92 Q619,529.93 0.079091
4 Q81,821.59 Q48,998.98 Q32,822.61 Q586,707.32 0.079091 4 Q75,824.58 Q43,001.97 Q32,822.61 Q586,707.32 0.079091
5 Q81,821.59 Q46,403.02 Q35,418.57 Q551,288.75 0.079091 5 Q75,824.58 Q40,406.01 Q35,418.57 Q551,288.75 0.079091
6 Q81,821.59 Q43,601.74 Q38,219.85 Q513,068.91 0.079091 6 Q75,824.58 Q37,604.73 Q38,219.85 Q513,068.91 0.079091
7 Q81,821.59 Q40,578.91 Q41,242.67 Q471,826.23 0.079091 7 Q75,824.58 Q34,581.90 Q41,242.67 Q471,826.23 0.079091
8 Q81,821.59 Q37,317.01 Q44,504.58 Q427,321.65 0.079091 8 Q75,824.58 Q31,320.00 Q44,504.58 Q427,321.65 0.079091
9 Q81,821.59 Q33,797.11 Q48,024.47 Q379,297.18 0.079091 9 Q75,824.58 Q27,800.10 Q48,024.47 Q379,297.18 0.079091
10 Q81,821.59 Q29,998.83 Q51,822.76 Q327,474.42 0.079091 10 Q75,824.58 Q24,001.82 Q51,822.76 Q327,474.42 0.079091
 CALCULO DE MONTO CALCULO DE PRINCIPAL CALCULO DE TASA DE INT CALCULO DE TIEMPO
P= Q35,719.65 S= Q75,000.00 P= Q175,000.00 P= Q42,219.64
j= 0.19 j= 0.24 I= 26823.59 I= 26823.59
m= 6 m= 4 m= 3 m= 3
n= 8 n= 13 n= 5 j= 0.10
S= Q159,513.83 P= Q3,623.73 j= 3% n= 5.00

CALCULO DE INTERESES CALCULO DE PRINCIPAL CALCULO DE TASA DE INT CALCULO DE TIEMPO

P= Q175,000.00 I= Q26,823.59 P= Q42,219.64 P= Q42,219.64
j= 0.12 j= 0.1 S= 69043.23 S= 69043.23
m= 4 m= 3 m= 3 m= 3
n= 0.5 n= 5 n= 5 j= 0.1
I= Q10,657.50 P= Q42,219.64 j= 10% n= 5.00

SOLO INGRESE VALORES EN LAS CELDAS DE COLOR

 VALOR ACTUAL
W= 50000
j= 0.45
m= 2
n= 4.5
k= 1.5
y= 10
1 +j/m = 1.225
VENCIDA ANTICIPADA
V. ACTUAL Q50,044.92 Q91,995.86
DIFERIMIENTO
VENCIDA ANTICIPADA
Q864.25 Q1,588.72