𝐴=100.000[(0.1 〖 (1+0.

1) 〗 ^1
0)/( 〖 (1+0.1) 〗 ^10−1)]=
0.25937424601
100,000 = 16,274.54 100,000
1.5937424601
1,356.21
162,745.39
año interés deuda+interés pago al final deuda despues año
del año del pago
0 100,000.00 0
1 10,000.00 110,000.00 16,274.54 93,725.46 1
2 9,372.55 103,098.01 16,274.54 86,823.47 2
3 8,682.35 95,505.81 16,274.54 79,231.27 3
4 7,923.13 87,154.40 16,274.54 70,879.86 4
5 7,087.99 77,967.85 16,274.54 61,693.31 5
6 6,169.33 67,862.64 16,274.54 51,588.10 6
7 5,158.81 56,746.91 16,274.54 40,472.37 7
8 4,047.24 44,519.61 16,274.54 28,245.07 8
9 2,824.51 31,069.58 16,274.54 14,795.04 9
10 1,479.50 16,274.54 16,274.54 - 10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
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43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
 76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
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108
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111
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120
0.02237949
= 1,319.29
1.69632391

interés deuda+interés pago al final deuda despues

del año del pago
100,000.00
830.00 100,830.00 1,319.29 99,510.71
825.94 100,336.65 1,319.29 99,017.35
821.84 99,839.20 1,319.29 98,519.90
817.72 99,337.62 1,319.29 98,018.32
813.55 98,831.88 1,319.29 97,512.58
809.35 98,321.94 1,319.29 97,002.64
805.12 97,807.77 1,319.29 96,488.47
800.85 97,289.33 1,319.29 95,970.03
796.55 96,766.59 1,319.29 95,447.29
792.21 96,239.50 1,319.29 94,920.21
787.84 95,708.05 1,319.29 94,388.76
783.43 95,172.18 1,319.29 93,852.89
778.98 94,631.87 1,319.29 93,312.57
774.49 94,087.07 1,319.29 92,767.78
769.97 93,537.75 1,319.29 92,218.45
765.41 92,983.87 1,319.29 91,664.57
760.82 92,425.39 1,319.29 91,106.10
756.18 91,862.28 1,319.29 90,542.98
751.51 91,294.49 1,319.29 89,975.20
746.79 90,721.99 1,319.29 89,402.70
742.04 90,144.74 1,319.29 88,825.45
737.25 89,562.70 1,319.29 88,243.41
732.42 88,975.83 1,319.29 87,656.53
727.55 88,384.08 1,319.29 87,064.79
722.64 87,787.43 1,319.29 86,468.13
717.69 87,185.82 1,319.29 85,866.53
712.69 86,579.22 1,319.29 85,259.92
707.66 85,967.58 1,319.29 84,648.29
702.58 85,350.87 1,319.29 84,031.58
697.46 84,729.04 1,319.29 83,409.74
692.30 84,102.04 1,319.29 82,782.75
687.10 83,469.85 1,319.29 82,150.56
681.85 82,832.40 1,319.29 81,513.11
676.56 82,189.67 1,319.29 80,870.38
671.22 81,541.60 1,319.29 80,222.31
665.85 80,888.15 1,319.29 79,568.86
660.42 80,229.28 1,319.29 78,909.99
654.95 79,564.94 1,319.29 78,245.65
649.44 78,895.09 1,319.29 77,575.79
643.88 78,219.67 1,319.29 76,900.38
638.27 77,538.65 1,319.29 76,219.36
632.62 76,851.98 1,319.29 75,532.69
626.92 76,159.61 1,319.29 74,840.31
621.17 75,461.49 1,319.29 74,142.19
615.38 74,757.57 1,319.29 73,438.28
609.54 74,047.82 1,319.29 72,728.53
603.65 73,332.17 1,319.29 72,012.88
597.71 72,610.59 1,319.29 71,291.29
591.72 71,883.01 1,319.29 70,563.72
585.68 71,149.40 1,319.29 69,830.10
579.59 70,409.69 1,319.29 69,090.40
573.45 69,663.85 1,319.29 68,344.56
567.26 68,911.82 1,319.29 67,592.52
561.02 68,153.54 1,319.29 66,834.25
554.72 67,388.97 1,319.29 66,069.68
548.38 66,618.06 1,319.29 65,298.76
541.98 65,840.74 1,319.29 64,521.45
535.53 65,056.98 1,319.29 63,737.68
529.02 64,266.71 1,319.29 62,947.41
522.46 63,469.88 1,319.29 62,150.58
515.85 62,666.43 1,319.29 61,347.14
509.18 61,856.32 1,319.29 60,537.03
502.46 61,039.49 1,319.29 59,720.19
495.68 60,215.87 1,319.29 58,896.58
488.84 59,385.42 1,319.29 58,066.12
481.95 58,548.07 1,319.29 57,228.78
475.00 57,703.78 1,319.29 56,384.49
467.99 56,852.48 1,319.29 55,533.18
460.93 55,994.11 1,319.29 54,674.82
453.80 55,128.62 1,319.29 53,809.32
446.62 54,255.94 1,319.29 52,936.65
439.37 53,376.02 1,319.29 52,056.73
432.07 52,488.80 1,319.29 51,169.51
424.71 51,594.21 1,319.29 50,274.92
417.28 50,692.20 1,319.29 49,372.91
409.80 49,782.70 1,319.29 48,463.41
402.25 48,865.66 1,319.29 47,546.36
394.63 47,941.00 1,319.29 46,621.70
386.96 47,008.66 1,319.29 45,689.37
379.22 46,068.59 1,319.29 44,749.30
371.42 45,120.72 1,319.29 43,801.43
363.55 44,164.98 1,319.29 42,845.68
355.62 43,201.30 1,319.29 41,882.01
347.62 42,229.63 1,319.29 40,910.34
339.56 41,249.89 1,319.29 39,930.60
331.42 40,262.02 1,319.29 38,942.73
323.22 39,265.95 1,319.29 37,946.66
314.96 38,261.62 1,319.29 36,942.33
306.62 37,248.95 1,319.29 35,929.65
298.22 36,227.87 1,319.29 34,908.58
289.74 35,198.32 1,319.29 33,879.02
281.20 34,160.22 1,319.29 32,840.93
272.58 33,113.51 1,319.29 31,794.21
263.89 32,058.10 1,319.29 30,738.81
255.13 30,993.94 1,319.29 29,674.65
246.30 29,920.95 1,319.29 28,601.66
237.39 28,839.05 1,319.29 27,519.76
228.41 27,748.17 1,319.29 26,428.88
219.36 26,648.24 1,319.29 25,328.94
210.23 25,539.17 1,319.29 24,219.88
201.03 24,420.91 1,319.29 23,101.61
191.74 23,293.36 1,319.29 21,974.06
182.38 22,156.45 1,319.29 20,837.15
172.95 21,010.10 1,319.29 19,690.81
163.43 19,854.24 1,319.29 18,534.95
153.84 18,688.79 1,319.29 17,369.50
144.17 17,513.66 1,319.29 16,194.37
134.41 16,328.78 1,319.29 15,009.49
124.58 15,134.07 1,319.29 13,814.77
114.66 13,929.44 1,319.29 12,610.14
104.66 12,714.81 1,319.29 11,395.51
94.58 11,490.10 1,319.29 10,170.80
84.42 10,255.22 1,319.29 8,935.93
74.17 9,010.10 1,319.29 7,690.80
63.83 7,754.64 1,319.29 6,435.34
53.41 6,488.76 1,319.29 5,169.46
42.91 5,212.37 1,319.29 3,893.08
32.31 3,925.39 1,319.29 2,606.10
21.63 2,627.73 1,319.29 1,308.43
10.86 1,319.29 1,319.29 0.00
158,315.20
 Si una persona ahorra Bs800 cada año en un banco que paga 12% de interé
ahorrado al finalizar el noveno año, luego de hacer nueve depósitos de fin de

𝐹=800[( 〖 (1+0.12) 〗 1.7731

^9−1)/0.12] 800 =
0.12
ue paga 12% de interés capitalizado anualmente. ¿Cuánto tendrá
eve depósitos de fin de año?

11,820.53
𝐴=13.000[0.07/
( 〖 (1+0.07) 〗 ^8−1)]=1.267.08

0.07
13000 = 1,267.08
0.71818618

8,869.57
1 2 3 4
1,267.08 1,355.78 2,806.46 4,358.68
1,267.08 1,267.08 1,267.08
1.07 2,622.86 1.07 4,073.54 1.07 5,625.76 1.07
 5 6 7 8
6,019.57 7,796.71 9,698.26 11,732.91
1,267.08 1,267.08 1,267.08 1,267.08
7,286.65 1.07 9,063.79 1.07 10,965.34 1.07 12,999.99
Una persona adquirió un auto; espera que el cost
sea de Bs150 al finalizar el primer año y que en lo
aumente a razón de Bs50 anuales. Si la tasa de int
capitalizado cada año, ¿Cuál es el valor presente d
durante un periodo de 6 años?

𝑃=𝐴[( 〖 (1+𝑖) 〗 ^𝑛 𝐺/𝑖 [( 〖 (1+𝑖) 〗 ^𝑛−1)/

−1)/(𝑖 〖 (1+𝑖) 〗 ^𝑛[1/ 〖 (1+𝑖) 〗 ^𝑛 ]
)]+
𝑃=150[( 〖 (1.08) 〗 ^6−1)/ 50/0.08
(0.08 〖 (1+0.08) 〗 ^6 )]+ [( 〖 (1.08)
[1/ 〖 (1.08
150 0.58687432 = 693.43195 625
0.12694995

1,219.60

0 1 2 3 4
150 200 250 300
a que el costo de mantenimiento
o y que en los subsecuentes
la tasa de interés es de 8%
or presente de esta serie de pagos

𝑖) 〗 ^𝑛−1)/𝑖−𝑛]
〗 ^𝑛 ]

50/0.08
[( 〖 (1.08) 〗 ^6−1)/0.08−6]
[1/ 〖 (1.08) 〗 ^6 ]
1.33592904 0.63016963 = 526.16

5 6
350 400 1650