7) Para renovar las vitrinas de la tienda, el Sr.

Padilla consigue un
crédito pagadero en 1.5 años, por lo que se tienen que entregar
$1,340 quincenales; la tasa aplicada es del 28.8% anual capitalizable
quincenalmente. ¿Cuál es su valor de contado?
Periodo Saldo insoluto Pago interés sin iva IVA Amortización Datos
1 $ 38,984.96 $ 1,340.00 $ 403.29 $ 64.53 $ 872.18
i=
2 $ 38,112.78 $ 1,340.00 $ 394.27 $ 63.08 $ 882.65
3 $ 37,230.14 $ 1,340.00 $ 385.14 $ 61.62 $ 893.24
R=
4 $ 36,336.90 $ 1,340.00 $ 375.90 $ 60.14 $ 903.96
5 $ 35,432.94 $ 1,340.00 $ 366.55 $ 58.65 $ 914.80
n=
6 $ 34,518.14 $ 1,340.00 $ 357.08 $ 57.13 $ 925.78
7 $ 33,592.35 $ 1,340.00 $ 347.51 $ 55.60 $ 936.89
8 $ 32,655.46 $ 1,340.00 $ 337.82 $ 54.05 $ 948.13 VF=
9 $ 31,707.33 $ 1,340.00 $ 328.01 $ 52.48 $ 959.51
10 $ 30,747.81 $ 1,340.00 $ 318.08 $ 50.89 $ 971.03
11 $ 29,776.79 $ 1,340.00 $ 308.04 $ 49.29 $ 982.68
12 $ 28,794.11 $ 1,340.00 $ 297.87 $ 47.66 $ 994.47
13 $ 27,799.64 $ 1,340.00 $ 287.58 $ 46.01 $ 1,006.40
14 $ 26,793.23 $ 1,340.00 $ 277.17 $ 44.35 $ 1,018.48
15 $ 25,774.75 $ 1,340.00 $ 266.64 $ 42.66 $ 1,030.70
16 $ 24,744.05 $ 1,340.00 $ 255.97 $ 40.96 $ 1,043.07
17 $ 23,700.98 $ 1,340.00 $ 245.18 $ 39.23 $ 1,055.59
18 $ 22,645.39 $ 1,340.00 $ 234.26 $ 37.48 $ 1,068.26
19 $ 21,577.14 $ 1,340.00 $ 223.21 $ 35.71 $ 1,081.07
20 $ 20,496.06 $ 1,340.00 $ 212.03 $ 33.92 $ 1,094.05
21 $ 19,402.01 $ 1,340.00 $ 200.71 $ 32.11 $ 1,107.18
22 $ 18,294.84 $ 1,340.00 $ 189.26 $ 30.28 $ 1,120.46
23 $ 17,174.38 $ 1,340.00 $ 177.67 $ 28.43 $ 1,133.91
24 $ 16,040.47 $ 1,340.00 $ 165.94 $ 26.55 $ 1,147.51
25 $ 14,892.95 $ 1,340.00 $ 154.07 $ 24.65 $ 1,161.28
26 $ 13,731.67 $ 1,340.00 $ 142.05 $ 22.73 $ 1,175.22
27 $ 12,556.45 $ 1,340.00 $ 129.89 $ 20.78 $ 1,189.32
28 $ 11,367.13 $ 1,340.00 $ 117.59 $ 18.81 $ 1,203.59
29 $ 10,163.53 $ 1,340.00 $ 105.14 $ 16.82 $ 1,218.04
30 $ 8,945.49 $ 1,340.00 $ 92.54 $ 14.81 $ 1,232.65
31 $ 7,712.84 $ 1,340.00 $ 79.79 $ 12.77 $ 1,247.45
32 $ 6,465.39 $ 1,340.00 $ 66.88 $ 10.70 $ 1,262.42
33 $ 5,202.98 $ 1,340.00 $ 53.82 $ 8.61 $ 1,277.56
34 $ 3,925.42 $ 1,340.00 $ 40.61 $ 6.50 $ 1,292.90
35 $ 2,632.52 $ 1,340.00 $ 27.23 $ 4.36 $ 1,308.41
36 $ 1,324.11 $ 1,340.00 $ 13.70 $ 2.19 $ 1,324.11
-$ 0.00 $ 1,340.00 -$ 0.00 -$ 0.00 $ 1,340.00
n 10) Se adquiere una recámara a crédito, cuyo valo
$23,939.26972, por lo cual nos conceden un plazo
le pagos trimestrales; se aplica una tasa del 28.4% ¿
cada pago trimestral?
Datos Periodo Saldo insoluto Pago interés sin iva
0.012 1 $ 23,939.27 $ 3,690.00 $ 1,465.25
i=
2 $ 21,948.96 $ 3,690.00 $ 1,343.43
1340 3 $ 19,817.33 $ 3,690.00 $ 1,212.96
R=
4 $ 17,534.36 $ 3,690.00 $ 1,073.22
36 5 $ 15,089.30 $ 3,690.00 $ 923.57
n=
6 $ 12,470.65 $ 3,690.00 $ 763.29
7 $ 9,666.06 $ 3,690.00 $ 591.63
VF= 38,984.96 8 $ 6,662.35 $ 3,690.00 $ 407.78
9 $ 3,445.38 $ 3,690.00 $ 210.88
-$ 0.00 $ 3,690.00 -$ 0.00

5) ¿Cuánto tendrá que pagar una persona el 1°

deuda que está obligada amortizar mediante 6
cada mes, de $400 cada uno aplicándose una ta
1.352% mensual?
Periodo Saldo insoluto Pago interés sin iva
1 $ 2,290.56 $ 400.00 $ 26.66
2 $ 1,921.48 $ 400.00 $ 22.36
3 $ 1,547.42 $ 400.00 $ 18.01
4 $ 1,168.31 $ 400.00 $ 13.60
5 $ 784.09 $ 400.00 $ 9.13
6 $ 394.67 $ 400.00 $ 4.59
$ 0.00 $ 400.00 $ 0.00

23) ¿Qué cantidad total tendría que liquidar una

momento, por un coche al cual le falta 1.5 a
mensuales de $2,000, a una tasa de interés d

Periodo Saldo insoluto Pago interés sin iva

1 $32,796.54 $ 2,000.00 $ 282.73
2 $31,124.50 $ 2,000.00 $ 268.31
3 $29,435.75 $ 2,000.00 $ 253.76
4 $27,730.11 $ 2,000.00 $ 239.05
5 $26,007.41 $ 2,000.00 $ 224.20
6 $24,267.48 $ 2,000.00 $ 209.20
7 $22,510.15 $ 2,000.00 $ 194.05
 8 $20,735.26 $ 2,000.00 $ 178.75
9 $18,942.61 $ 2,000.00 $ 163.30
10 $17,132.04 $ 2,000.00 $ 147.69
11 $15,303.36 $ 2,000.00 $ 131.93
12 $13,456.39 $ 2,000.00 $ 116.00
13 $11,590.95 $ 2,000.00 $ 99.92
14 $9,706.86 $ 2,000.00 $ 83.68
15 $7,803.93 $ 2,000.00 $ 67.28
16 $5,881.97 $ 2,000.00 $ 50.71
17 $3,940.79 $ 2,000.00 $ 33.97
18 $1,980.20 $ 2,000.00 $ 17.07
$0.00 $ 2,000.00 $ 0.00
ecámara a crédito, cuyo valor de contado es de
o cual nos conceden un plazo de 27 meses, con
e aplica una tasa del 28.4% ¿A cuánto asciende
cada pago trimestral?
IVA Amortización Datos
$ 234.44 $ 1,990.31 0.071
i=
$ 214.95 $ 2,131.62
$ 194.07 $ 2,282.97 3690
R=
$ 171.72 $ 2,445.06
$ 147.77 $ 2,618.66 9
n=
$ 122.13 $ 2,804.58
$ 94.66 $ 3,003.71
$ 65.25 $ 3,216.97 VF= $23,939.27
$ 33.74 $ 3,445.38
-$ 0.00 $ 3,690.00

que pagar una persona el 1° de mayo por una

ligada amortizar mediante 6 pagos al final de
cada uno aplicándose una tasa de interés del
1.352% mensual?
IVA Amortización Datos
$ 4.27 $ 369.08 0.0135
i=
$ 3.58 $ 374.06
$ 2.88 $ 379.11 400
R=
$ 2.18 $ 384.23
$ 1.46 $ 389.41 6
n=
$ 0.73 $ 394.67
$ 0.00 $ 400.00
VF= $2,290.56

otal tendría que liquidar una persona en este

un coche al cual le falta 1.5 años de pagos
,000, a una tasa de interés del 12% anual?

IVA Amortización Datos

$ 45.24 $ 1,672.03 0.01
i=
$ 42.93 $ 1,688.75
$ 40.60 $ 1,705.64 2000
R=
$ 38.25 $ 1,722.70
$ 35.87 $ 1,739.93 18
n=
$ 33.47 $ 1,757.33
$ 31.05 $ 1,774.90
VF=
$ 28.60 $ 1,792.65 VF= $32,796.54
$ 26.13 $ 1,810.57
$ 23.63 $ 1,828.68
$ 21.11 $ 1,846.97
$ 18.56 $ 1,865.44
$ 15.99 $ 1,884.09
$ 13.39 $ 1,902.93
$ 10.76 $ 1,921.96
$ 8.11 $ 1,941.18
$ 5.44 $ 1,960.59
$ 2.73 $ 1,980.20
$ 0.00 $ 2,000.00
 1. ¿Qué cantidad se tendrá si se invierten $2,000 mensuales durante
seis meses? Los depósitos se efectúan al final de cada mes y se
aplica una tasa del 2.0525% mensual.
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $2,000.00 $ - $2,000.00
2 $2,000.00 $2,000.00 $ 41.05 $4,041.05
3 $4,041.05 $2,000.00 $ 82.94 $6,123.99
4 $6,123.99 $2,000.00 $ 125.69 $8,249.69
5 $8,249.69 $2,000.00 $ 169.32 $10,419.01
6 $10,419.01 $2,000.00 $ 213.85 $12,632.86

2. Para poder remodelar una casa, se realizan depósitos bimestrales

de $2,060 en una cuenta de inversión, a los cuales se les aplica el
.76625% mensual. Después de un lapso de 72 quincenas, ¿cuánto
se podrá retirar?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $2,060.00 $ - $2,060.00
2 $2,060.00 $2,060.00 $ 0.32 $4,120.32
3 $4,120.32 $2,060.00 $ 0.63 $6,180.95
4 $6,180.95 $2,060.00 $ 0.95 $8,241.89
5 $8,241.89 $2,060.00 $ 1.26 $10,303.16
6 $10,303.16 $2,060.00 $ 1.58 $12,364.74
7 $12,364.74 $2,060.00 $ 1.89 $14,426.63
8 $14,426.63 $2,060.00 $ 2.21 $16,488.84
9 $16,488.84 $2,060.00 $ 2.53 $18,551.37
10 $18,551.37 $2,060.00 $ 2.84 $20,614.21
11 $20,614.21 $2,060.00 $ 3.16 $22,677.37
12 $22,677.37 $2,060.00 $ 3.48 $24,740.85
13 $24,740.85 $2,060.00 $ 3.79 $26,804.64
14 $26,804.64 $2,060.00 $ 4.11 $28,868.75
15 $28,868.75 $2,060.00 $ 4.42 $30,933.17
16 $30,933.17 $2,060.00 $ 4.74 $32,997.91
17 $32,997.91 $2,060.00 $ 5.06 $35,062.97
18 $35,062.97 $2,060.00 $ 5.37 $37,128.34

3. Decidido a estudiar su posgrado, el Sr. Arturo Pérez realiza

depósitos mensuales en una cuenta de inversión durante 34
quincenas, aplicando una tasa del 19.03% anual, por lo que al final
del plazo se acumularán $71,355.89071 ¿De cuánto fueron los
depósitos?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $3,690.00 $ - $3,690.00
2 $3,690.00 $3,690.00 $ 58.52 $7,438.52
3 $7,438.52 $3,690.00 $ 117.96 $11,246.48
4 $11,246.48 $3,690.00 $ 178.35 $15,114.83
 5 $15,114.83 $3,690.00 $ 239.70 $19,044.53
6 $19,044.53 $3,690.00 $ 302.01 $23,036.54
7 $23,036.54 $3,690.00 $ 365.32 $27,091.86
8 $27,091.86 $3,690.00 $ 429.63 $31,211.49
9 $31,211.49 $3,690.00 $ 494.96 $35,396.45
10 $35,396.45 $3,690.00 $ 561.33 $39,647.78
11 $39,647.78 $3,690.00 $ 628.75 $43,966.53
12 $43,966.53 $3,690.00 $ 697.24 $48,353.77
13 $48,353.77 $3,690.00 $ 766.81 $52,810.58
14 $52,810.58 $3,690.00 $ 837.49 $57,338.06
15 $57,338.06 $3,690.00 $ 909.29 $61,937.35
16 $61,937.35 $3,690.00 $ 982.22 $66,609.57
17 $66,609.57 $3,690.00 $ 1,056.32 $71,355.89

4. Rodolfo desea acumular $300,000. Para reunir esa cantidad decide

hacer depósitos trimestrales vencidos en un fondo de inversiones
que rinde un 12% anual convertible trimestralmente. Si de
depositan $5,000 cada trimestre, ¿dentro de cuánto tiempo habrá
acumulado la cantidad deseada?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $5,000.00 $ - $5,000.00
2 $5,000.00 $5,000.00 $ 150.00 $10,150.00
3 $10,150.00 $5,000.00 $ 304.50 $15,454.50
4 $15,454.50 $5,000.00 $ 463.64 $20,918.14
5 $20,918.14 $5,000.00 $ 627.54 $26,545.68
6 $26,545.68 $5,000.00 $ 796.37 $32,342.05
7 $32,342.05 $5,000.00 $ 970.26 $38,312.31
8 $38,312.31 $5,000.00 $ 1,149.37 $44,461.68
9 $44,461.68 $5,000.00 $ 1,333.85 $50,795.53
10 $50,795.53 $5,000.00 $ 1,523.87 $57,319.40
11 $57,319.40 $5,000.00 $ 1,719.58 $64,038.98
12 $64,038.98 $5,000.00 $ 1,921.17 $70,960.15
13 $70,960.15 $5,000.00 $ 2,128.80 $78,088.95
14 $78,088.95 $5,000.00 $ 2,342.67 $85,431.62
15 $85,431.62 $5,000.00 $ 2,562.95 $92,994.57
16 $92,994.57 $5,000.00 $ 2,789.84 $100,784.41
17 $100,784.41 $5,000.00 $ 3,023.53 $108,807.94
18 $108,807.94 $5,000.00 $ 3,264.24 $117,072.18
19 $117,072.18 $5,000.00 $ 3,512.17 $125,584.34
20 $125,584.34 $5,000.00 $ 3,767.53 $134,351.87
21 $134,351.87 $5,000.00 $ 4,030.56 $143,382.43
22 $143,382.43 $5,000.00 $ 4,301.47 $152,683.90
23 $152,683.90 $5,000.00 $ 4,580.52 $162,264.42
24 $162,264.42 $5,000.00 $ 4,867.93 $172,132.35
25 $172,132.35 $5,000.00 $ 5,163.97 $182,296.32
 26 $182,296.32 $5,000.00 $ 5,468.89 $192,765.21
27 $192,765.21 $5,000.00 $ 5,782.96 $203,548.17
28 $203,548.17 $5,000.00 $ 6,106.45 $214,654.61
29 $214,654.61 $5,000.00 $ 6,439.64 $226,094.25
30 $226,094.25 $5,000.00 $ 6,782.83 $237,877.08
31 $237,877.08 $5,000.00 $ 7,136.31 $250,013.39
32 $250,013.39 $5,000.00 $ 7,500.40 $262,513.79
33 $262,513.79 $5,000.00 $ 7,875.41 $275,389.21
34 $275,389.21 $5,000.00 $ 8,261.68 $288,650.88
35 $288,650.88 $5,000.00 $ 8,659.53 $302,310.41

hacer depósitos trimestrales vencidos en un fondo de inversiones

que rinde un 12% anual convertible trimestralmente. Si de
depositan $5,000 cada trimestre, ¿dentro de cuánto tiempo habrá
acumulado la cantidad deseada?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $2,300.00 $ - $2,300.00
2 $2,300.00 $2,300.00 $94.21 $4,694.21
3 $4,694.21 $2,300.00 $192.29 $7,186.50
4 $7,186.50 $2,300.00 $294.38 $9,780.88
5 $9,780.88 $2,300.00 $400.65 $12,481.53
6 $12,481.53 $2,300.00 $511.27 $15,292.80
7 $15,292.80 $2,300.00 $626.43 $18,219.23
8 $18,219.23 $2,300.00 $746.31 $21,265.54
9 $21,265.54 $2,300.00 $871.09 $24,436.63
10 $24,436.63 $2,300.00 $1,000.99 $27,737.61
11 $27,737.61 $2,300.00 $1,136.20 $31,173.81
12 $31,173.81 $2,300.00 $1,276.96 $34,750.77
13 $34,750.77 $2,300.00 $1,423.48 $38,474.25
14 $38,474.25 $2,300.00 $1,576.00 $42,350.25
15 $42,350.25 $2,300.00 $1,734.77 $46,385.02
16 $46,385.02 $2,300.00 $1,900.05 $50,585.07
17 $50,585.07 $2,300.00 $2,072.09 $54,957.16
18 $54,957.16 $2,300.00 $2,251.18 $59,508.34

8. Una persona desea vender su propiedad, para lo cual está

analizando 3 ofertas: $400,000 de contado, $190,000 de contado y $50,000 semestrales durante 2
½
años. $210,000 de contado y $20,000 trimestrales durante 3 años.
¿Qué oferta es más conveniente, si el interés es del 12% nominal
anual?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $50,000.00 $ - $50,000.00
2 $50,000.00 $50,000.00 $2,000.00 $102,000.00
3 $102,000.00 $50,000.00 $4,080.00 $156,080.00
4 $156,080.00 $50,000.00 $6,243.20 $212,323.20
 5 $212,323.20 $50,000.00 $8,492.93 $270,816.13

9. ¿Qué cantidad se obtendrá si se invierten $595 mensuales a la tasa

del 2.683% bimestral durante 17 semestres?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $595.00 $ - $595.00
2 $595.00 $595.00 $15.96 $1,205.96
3 $1,205.96 $595.00 $32.36 $1,833.32
4 $1,833.32 $595.00 $49.19 $2,477.51
5 $2,477.51 $595.00 $66.47 $3,138.98
6 $3,138.98 $595.00 $84.22 $3,818.20
7 $3,818.20 $595.00 $102.44 $4,515.64
8 $4,515.64 $595.00 $121.15 $5,231.80
9 $5,231.80 $595.00 $140.37 $5,967.16
10 $5,967.16 $595.00 $160.10 $6,722.26
11 $6,722.26 $595.00 $180.36 $7,497.62
12 $7,497.62 $595.00 $201.16 $8,293.78
13 $8,293.78 $595.00 $222.52 $9,111.30
14 $9,111.30 $595.00 $244.46 $9,950.76
15 $9,950.76 $595.00 $266.98 $10,812.74
16 $10,812.74 $595.00 $290.11 $11,697.85
17 $11,697.85 $595.00 $313.85 $12,606.70
18 $12,606.70 $595.00 $338.24 $13,539.94
19 $13,539.94 $595.00 $363.28 $14,498.21
20 $14,498.21 $595.00 $388.99 $15,482.20
21 $15,482.20 $595.00 $415.39 $16,492.59
22 $16,492.59 $595.00 $442.50 $17,530.08
23 $17,530.08 $595.00 $470.33 $18,595.42
24 $18,595.42 $595.00 $498.92 $19,689.33
25 $19,689.33 $595.00 $528.26 $20,812.60
26 $20,812.60 $595.00 $558.40 $21,966.00
27 $21,966.00 $595.00 $589.35 $23,150.35
28 $23,150.35 $595.00 $621.12 $24,366.47
29 $24,366.47 $595.00 $653.75 $25,615.22
30 $25,615.22 $595.00 $687.26 $26,897.48
31 $26,897.48 $595.00 $721.66 $28,214.14
32 $28,214.14 $595.00 $756.99 $29,566.12
33 $29,566.12 $595.00 $793.26 $30,954.38
34 $30,954.38 $595.00 $830.51 $32,379.89

11. Para poder renovar el equipo de cómputo, durante 3 trimestres se

estuvo depositando, cada fin de mes, en un banco cierta cantidad
de dinero para reunir $23,975, habiéndose aplicado una tasa del
8.424% semestral. ¿De cuánto fue cada depósito mensual?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $2,518.17 $ - $2,518.17
2 $2,518.17 $2,518.17 $35.25 $5,071.59
3 $5,071.59 $2,518.17 $71.00 $7,660.76
4 $7,660.76 $2,518.17 $107.25 $10,286.17
5 $10,286.17 $2,518.17 $144.01 $12,948.35
6 $12,948.35 $2,518.17 $181.28 $15,647.79
7 $15,647.79 $2,518.17 $219.07 $18,385.03
8 $18,385.03 $2,518.17 $257.39 $21,160.58
9 $21,160.58 $2,518.17 $296.25 $23,975.00

13. Para poder cambiar la camioneta que forma parte del equipo de
reparto, se decide depositar cada quincena $3,800 en una cuenta
que reditúa el 22.08% anual. Si se efectúan dichos depósitos durante
3 1⁄2 cuatrimestres. ¿Cuánto se podrá retirar al final?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $3,800.00 $ - $3,800.00
2 $3,800.00 $3,800.00 $34.96 $7,634.96
3 $7,634.96 $3,800.00 $70.24 $11,505.20
4 $11,505.20 $3,800.00 $105.85 $15,411.05
5 $15,411.05 $3,800.00 $141.78 $19,352.83
6 $19,352.83 $3,800.00 $178.05 $23,330.88
7 $23,330.88 $3,800.00 $214.64 $27,345.52
8 $27,345.52 $3,800.00 $251.58 $31,397.10
9 $31,397.10 $3,800.00 $288.85 $35,485.95
10 $35,485.95 $3,800.00 $326.47 $39,612.42
11 $39,612.42 $3,800.00 $364.43 $43,776.86
12 $43,776.86 $3,800.00 $402.75 $47,979.61
13 $47,979.61 $3,800.00 $441.41 $52,221.02
14 $52,221.02 $3,800.00 $480.43 $56,501.45

14. Se reciben $91,090.90115, después de estar efectuando depósitos

mensuales en una cuenta que ofrecía el 17.25% anual. Si dichos
depósitos se hicieron durante un periodo de 5 semestres, ¿a cuánto
ascendía cada depósito?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $2,449.91 $ - $2,449.91
2 $2,449.91 $2,449.91 $35.22 $4,935.04
3 $4,935.04 $2,449.91 $70.95 $7,455.90
4 $7,455.90 $2,449.91 $107.20 $10,013.00
5 $10,013.00 $2,449.91 $143.96 $12,606.87
6 $12,606.87 $2,449.91 $181.26 $15,238.03
7 $15,238.03 $2,449.91 $219.08 $17,907.02
8 $17,907.02 $2,449.91 $257.46 $20,614.38
9 $20,614.38 $2,449.91 $296.38 $23,360.67
 10 $23,360.67 $2,449.91 $335.87 $26,146.45
11 $26,146.45 $2,449.91 $375.92 $28,972.27
12 $28,972.27 $2,449.91 $416.55 $31,838.73
13 $31,838.73 $2,449.91 $457.76 $34,746.39
14 $34,746.39 $2,449.91 $499.57 $37,695.87
15 $37,695.87 $2,449.91 $541.97 $40,687.74
16 $40,687.74 $2,449.91 $584.99 $43,722.64
17 $43,722.64 $2,449.91 $628.62 $46,801.17
18 $46,801.17 $2,449.91 $672.88 $49,923.96
19 $49,923.96 $2,449.91 $717.78 $53,091.64
20 $53,091.64 $2,449.91 $763.33 $56,304.88
21 $56,304.88 $2,449.91 $809.52 $59,564.31
22 $59,564.31 $2,449.91 $856.39 $62,870.60
23 $62,870.60 $2,449.91 $903.92 $66,224.43
24 $66,224.43 $2,449.91 $952.14 $69,626.47
25 $69,626.47 $2,449.91 $1,001.05 $73,077.43
26 $73,077.43 $2,449.91 $1,050.67 $76,578.01
27 $76,578.01 $2,449.91 $1,101.00 $80,128.92
28 $80,128.92 $2,449.91 $1,152.05 $83,730.88
29 $83,730.88 $2,449.91 $1,203.84 $87,384.62
30 $87,384.62 $2,449.91 $1,256.37 $91,090.90

15. Para poder adquirir una camioneta, se efectuarán depósitos de

$2,500 cada inicio de mes, durante 2 1⁄2 años, a los cuales se les
aplicará un interés del 9.26% semestral ¿Qué cantidad se habrá
reunido al finalizar ese tiempo?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $2,500.00 $ - $2,500.00
2 $2,500.00 $2,500.00 $38.57 $5,038.58
3 $5,038.58 $2,500.00 $77.75 $7,616.32
4 $7,616.32 $2,500.00 $117.52 $10,233.84
5 $10,233.84 $2,500.00 $157.91 $12,891.75
6 $12,891.75 $2,500.00 $198.92 $15,590.67
7 $15,590.67 $2,500.00 $240.56 $18,331.23
8 $18,331.23 $2,500.00 $282.85 $21,114.08
9 $21,114.08 $2,500.00 $325.79 $23,939.87
10 $23,939.87 $2,500.00 $369.39 $26,809.27
11 $26,809.27 $2,500.00 $413.67 $29,722.93
12 $29,722.93 $2,500.00 $458.62 $32,681.56
13 $32,681.56 $2,500.00 $504.28 $35,685.83
14 $35,685.83 $2,500.00 $550.63 $38,736.47
15 $38,736.47 $2,500.00 $597.70 $41,834.17
16 $41,834.17 $2,500.00 $645.50 $44,979.67
17 $44,979.67 $2,500.00 $694.04 $48,173.71
18 $48,173.71 $2,500.00 $743.32 $51,417.03
 19 $51,417.03 $2,500.00 $793.36 $54,710.39
20 $54,710.39 $2,500.00 $844.18 $58,054.57
21 $58,054.57 $2,500.00 $895.78 $61,450.36
22 $61,450.36 $2,500.00 $948.18 $64,898.53
23 $64,898.53 $2,500.00 $1,001.38 $68,399.92
24 $68,399.92 $2,500.00 $1,055.41 $71,955.33
25 $71,955.33 $2,500.00 $1,110.27 $75,565.60
26 $75,565.60 $2,500.00 $1,165.98 $79,231.58
27 $79,231.58 $2,500.00 $1,222.54 $82,954.12
28 $82,954.12 $2,500.00 $1,279.98 $86,734.10
29 $86,734.10 $2,500.00 $1,338.31 $90,572.41
30 $90,572.41 $2,500.00 $1,397.53 $94,469.94

20.Se decide efectuar depósitos quincenales de $1,320 en una cuenta

de inversión con la intención de reunir $28, 512.9719 5 para poder
efectuar un viaje al extranjero. En dicha cuenta se aplica una tasa del
6.42% tetramestral. ¿Cuántos depósitos se deben realizar?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $1,320.00 $ - $1,320.00
2 $1,320.00 $1,320.00 $21.19 $2,661.19
3 $2,661.19 $1,320.00 $42.71 $4,023.90
4 $4,023.90 $1,320.00 $64.58 $5,408.48
5 $5,408.48 $1,320.00 $86.81 $6,815.29
6 $6,815.29 $1,320.00 $109.39 $8,244.67
7 $8,244.67 $1,320.00 $132.33 $9,697.00
8 $9,697.00 $1,320.00 $155.64 $11,172.64
9 $11,172.64 $1,320.00 $179.32 $12,671.96
10 $12,671.96 $1,320.00 $203.38 $14,195.34
11 $14,195.34 $1,320.00 $227.84 $15,743.18
12 $15,743.18 $1,320.00 $252.68 $17,315.86
13 $17,315.86 $1,320.00 $277.92 $18,913.78
14 $18,913.78 $1,320.00 $303.57 $20,537.34
15 $20,537.34 $1,320.00 $329.62 $22,186.97
16 $22,186.97 $1,320.00 $356.10 $23,863.07
17 $23,863.07 $1,320.00 $383.00 $25,566.07
18 $25,566.07 $1,320.00 $410.34 $27,296.40

21. Una persona desea adquirir una TV por lo que contrata una cuenta
de inversión, efectuándose depósitos semestrales de $923. En la
operación se aplica una tasa del 1.025% mensual. Para poder recibir
en total $6,426.59, ¿durante cuánto tiempo se mantuvo esa cuenta?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $923.00 $ - $923.00
2 $923.00 $923.00 $56.76 $1,902.76
3 $1,902.76 $923.00 $117.02 $2,942.78
 4 $2,942.78 $923.00 $180.98 $4,046.77
5 $4,046.77 $923.00 $248.88 $5,218.64
6 $5,218.64 $923.00 $320.95 $6,462.59

22. Se hacen depósitos en un producto financiero por $850 cada

quincena. Se aplica un 19.75%, lográndose reunir $49, 784.96324.
¿Durante cuánto tiempo se realizaron los depósitos?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $850.00 $ - $850.00
2 $850.00 $850.00 $6.99 $1,706.99
3 $1,706.99 $850.00 $14.05 $2,571.04
4 $2,571.04 $850.00 $21.16 $3,442.20
5 $3,442.20 $850.00 $28.33 $4,320.53
6 $4,320.53 $850.00 $35.55 $5,206.08
7 $5,206.08 $850.00 $42.84 $6,098.92
8 $6,098.92 $850.00 $50.19 $6,999.11
9 $6,999.11 $850.00 $57.60 $7,906.71
10 $7,906.71 $850.00 $65.07 $8,821.77
11 $8,821.77 $850.00 $72.60 $9,744.37
12 $9,744.37 $850.00 $80.19 $10,674.56
13 $10,674.56 $850.00 $87.84 $11,612.40
14 $11,612.40 $850.00 $95.56 $12,557.96
15 $12,557.96 $850.00 $103.34 $13,511.30
16 $13,511.30 $850.00 $111.19 $14,472.49
17 $14,472.49 $850.00 $119.10 $15,441.58
18 $15,441.58 $850.00 $127.07 $16,418.66
19 $16,418.66 $850.00 $135.11 $17,403.77
20 $17,403.77 $850.00 $143.22 $18,396.99
21 $18,396.99 $850.00 $151.39 $19,398.38
22 $19,398.38 $850.00 $159.63 $20,408.01
23 $20,408.01 $850.00 $167.94 $21,425.95
24 $21,425.95 $850.00 $176.32 $22,452.27
25 $22,452.27 $850.00 $184.76 $23,487.03
26 $23,487.03 $850.00 $193.28 $24,530.31
27 $24,530.31 $850.00 $201.86 $25,582.17
28 $25,582.17 $850.00 $210.52 $26,642.69
29 $26,642.69 $850.00 $219.25 $27,711.94
30 $27,711.94 $850.00 $228.05 $28,789.99
31 $28,789.99 $850.00 $236.92 $29,876.90
32 $29,876.90 $850.00 $245.86 $30,972.77
33 $30,972.77 $850.00 $254.88 $32,077.65
34 $32,077.65 $850.00 $263.97 $33,191.62
35 $33,191.62 $850.00 $273.14 $34,314.76
36 $34,314.76 $850.00 $282.38 $35,447.14
37 $35,447.14 $850.00 $291.70 $36,588.84
 38 $36,588.84 $850.00 $301.10 $37,739.93
39 $37,739.93 $850.00 $310.57 $38,900.50
40 $38,900.50 $850.00 $320.12 $40,070.62
41 $40,070.62 $850.00 $329.75 $41,250.37
42 $41,250.37 $850.00 $339.46 $42,439.82
43 $42,439.82 $850.00 $349.24 $43,639.07
44 $43,639.07 $850.00 $359.11 $44,848.18
45 $44,848.18 $850.00 $369.06 $46,067.24
46 $46,067.24 $850.00 $379.09 $47,296.34
47 $47,296.34 $850.00 $389.21 $48,535.55
48 $48,535.55 $850.00 $399.41 $49,784.95

25. Una compañía deposita a principio de cada año $20,000 en una

cuenta de ahorros que abona el 7% de interés. ¿A cuánto ascenderán
los depósitos al cabo de 5 años?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $20,000.00 $ - $20,000.00
2 $20,000.00 $20,000.00 $1,400.00 $41,400.00
3 $41,400.00 $20,000.00 $2,898.00 $64,298.00
4 $64,298.00 $20,000.00 $4,500.86 $88,798.86
5 $88,798.86 $20,000.00 $6,215.92 $115,014.78

28.Cada inicio de quincena se depositan $200 en un producto

financiero que ofrece el 1% de interés quincenal. Hallar el valor futuro
al transcurrir 3 años.
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $200.00 $ - $200.00
2 $200.00 $200.00 $2.00 $402.00
3 $402.00 $200.00 $4.02 $606.02
4 $606.02 $200.00 $6.06 $812.08
5 $812.08 $200.00 $8.12 $1,020.20
6 $1,020.20 $200.00 $10.20 $1,230.40
7 $1,230.40 $200.00 $12.30 $1,442.71
8 $1,442.71 $200.00 $14.43 $1,657.13
9 $1,657.13 $200.00 $16.57 $1,873.71
10 $1,873.71 $200.00 $18.74 $2,092.44
11 $2,092.44 $200.00 $20.92 $2,313.37
12 $2,313.37 $200.00 $23.13 $2,536.50
13 $2,536.50 $200.00 $25.37 $2,761.87
14 $2,761.87 $200.00 $27.62 $2,989.48
15 $2,989.48 $200.00 $29.89 $3,219.38
16 $3,219.38 $200.00 $32.19 $3,451.57
17 $3,451.57 $200.00 $34.52 $3,686.09
18 $3,686.09 $200.00 $36.86 $3,922.95
19 $3,922.95 $200.00 $39.23 $4,162.18
20 $4,162.18 $200.00 $41.62 $4,403.80
21 $4,403.80 $200.00 $44.04 $4,647.84
22 $4,647.84 $200.00 $46.48 $4,894.32
23 $4,894.32 $200.00 $48.94 $5,143.26
24 $5,143.26 $200.00 $51.43 $5,394.69
25 $5,394.69 $200.00 $53.95 $5,648.64
26 $5,648.64 $200.00 $56.49 $5,905.13
27 $5,905.13 $200.00 $59.05 $6,164.18
28 $6,164.18 $200.00 $61.64 $6,425.82
29 $6,425.82 $200.00 $64.26 $6,690.08
30 $6,690.08 $200.00 $66.90 $6,956.98
31 $6,956.98 $200.00 $69.57 $7,226.55
32 $7,226.55 $200.00 $72.27 $7,498.81
33 $7,498.81 $200.00 $74.99 $7,773.80
34 $7,773.80 $200.00 $77.74 $8,051.54
35 $8,051.54 $200.00 $80.52 $8,332.06
36 $8,332.06 $200.00 $83.32 $8,615.38
37 $8,615.38 $200.00 $86.15 $8,901.53
38 $8,901.53 $200.00 $89.02 $9,190.54
39 $9,190.54 $200.00 $91.91 $9,482.45
40 $9,482.45 $200.00 $94.82 $9,777.27
41 $9,777.27 $200.00 $97.77 $10,075.05
42 $10,075.05 $200.00 $100.75 $10,375.80
43 $10,375.80 $200.00 $103.76 $10,679.56
44 $10,679.56 $200.00 $106.80 $10,986.35
45 $10,986.35 $200.00 $109.86 $11,296.21
46 $11,296.21 $200.00 $112.96 $11,609.18
47 $11,609.18 $200.00 $116.09 $11,925.27
48 $11,925.27 $200.00 $119.25 $12,244.52
49 $12,244.52 $200.00 $122.45 $12,566.97
50 $12,566.97 $200.00 $125.67 $12,892.64
51 $12,892.64 $200.00 $128.93 $13,221.56
52 $13,221.56 $200.00 $132.22 $13,553.78
53 $13,553.78 $200.00 $135.54 $13,889.32
54 $13,889.32 $200.00 $138.89 $14,228.21
55 $14,228.21 $200.00 $142.28 $14,570.49
56 $14,570.49 $200.00 $145.70 $14,916.20
57 $14,916.20 $200.00 $149.16 $15,265.36
58 $15,265.36 $200.00 $152.65 $15,618.01
59 $15,618.01 $200.00 $156.18 $15,974.19
60 $15,974.19 $200.00 $159.74 $16,333.93
61 $16,333.93 $200.00 $163.34 $16,697.27
62 $16,697.27 $200.00 $166.97 $17,064.25
63 $17,064.25 $200.00 $170.64 $17,434.89
64 $17,434.89 $200.00 $174.35 $17,809.24
 65 $17,809.24 $200.00 $178.09 $18,187.33
66 $18,187.33 $200.00 $181.87 $18,569.20
67 $18,569.20 $200.00 $185.69 $18,954.90
68 $18,954.90 $200.00 $189.55 $19,344.44
69 $19,344.44 $200.00 $193.44 $19,737.89
70 $19,737.89 $200.00 $197.38 $20,135.27
71 $20,135.27 $200.00 $201.35 $20,536.62
72 $20,536.62 $200.00 $205.37 $20,941.99

29.¿Cuánto tendría que depositarse al inicio de cada semestre en una

cuenta que paga el 0.64% mensual, a fin de acumular $6,000 una
vez transcurridos 18 meses?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $315.57 $ - $315.57
2 $315.57 $315.57 $ 2.02 $633.15
3 $633.15 $315.57 $ 4.05 $952.77
4 $952.77 $315.57 $ 6.10 $1,274.43
5 $1,274.43 $315.57 $ 8.16 $1,598.16
6 $1,598.16 $315.57 $ 10.23 $1,923.95
7 $1,923.95 $315.57 $ 12.31 $2,251.83
8 $2,251.83 $315.57 $ 14.41 $2,581.81
9 $2,581.81 $315.57 $ 16.52 $2,913.90
10 $2,913.90 $315.57 $ 18.65 $3,248.11
11 $3,248.11 $315.57 $ 20.79 $3,584.47
12 $3,584.47 $315.57 $ 22.94 $3,922.98
13 $3,922.98 $315.57 $ 25.11 $4,263.65
14 $4,263.65 $315.57 $ 27.29 $4,606.50
15 $4,606.50 $315.57 $ 29.48 $4,951.55
16 $4,951.55 $315.57 $ 31.69 $5,298.81
17 $5,298.81 $315.57 $ 33.91 $5,648.28
18 $5,648.28 $315.57 $ 36.15 $6,000.00

30.Una corporación reserva $10,000 al principio de cada año para crear

un fondo para una futura expansión. Si el fondo gana el 4%, ¿cuál
será el monto después de 10 años?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $10,000.00 $ - $10,000.00
2 $10,000.00 $10,000.00 $ 400.00 $20,400.00
3 $20,400.00 $10,000.00 $ 816.00 $31,216.00
4 $31,216.00 $10,000.00 $ 1,248.64 $42,464.64
5 $42,464.64 $10,000.00 $ 1,698.59 $54,163.23
6 $54,163.23 $10,000.00 $ 2,166.53 $66,329.75
7 $66,329.75 $10,000.00 $ 2,653.19 $78,982.94
8 $78,982.94 $10,000.00 $ 3,159.32 $92,142.26
9 $92,142.26 $10,000.00 $ 3,685.69 $105,827.95
 10 $105,827.95 $10,000.00 $ 4,233.12 $120,061.07

31. Sofía abrió una cuenta de ahorro haciendo un depósito, al iniciar

el mes, por $1,000.00. Si cada inicio de mes hará depósitos
equivalentes a $1,000.00 y la cuenta garantiza una tasa de interés
del 2% capitalizable mensualmente, ¿Cuánto tendrá Sofía en su
cuenta después de 5 años?
Periodo Saldo inicial Pago Intereses Saldo insoluto final
1 $ - $1,000.00 $ - $1,000.00
2 $1,000.00 $1,000.00 $20.00 $2,020.00
3 $2,020.00 $1,000.00 $40.40 $3,060.40
4 $3,060.40 $1,000.00 $61.21 $4,121.61
5 $4,121.61 $1,000.00 $82.43 $5,204.04
6 $5,204.04 $1,000.00 $104.08 $6,308.12
7 $6,308.12 $1,000.00 $126.16 $7,434.28
8 $7,434.28 $1,000.00 $148.69 $8,582.97
9 $8,582.97 $1,000.00 $171.66 $9,754.63
10 $9,754.63 $1,000.00 $195.09 $10,949.72
11 $10,949.72 $1,000.00 $218.99 $12,168.72
12 $12,168.72 $1,000.00 $243.37 $13,412.09
13 $13,412.09 $1,000.00 $268.24 $14,680.33
14 $14,680.33 $1,000.00 $293.61 $15,973.94
15 $15,973.94 $1,000.00 $319.48 $17,293.42
16 $17,293.42 $1,000.00 $345.87 $18,639.29
17 $18,639.29 $1,000.00 $372.79 $20,012.07
18 $20,012.07 $1,000.00 $400.24 $21,412.31
19 $21,412.31 $1,000.00 $428.25 $22,840.56
20 $22,840.56 $1,000.00 $456.81 $24,297.37
21 $24,297.37 $1,000.00 $485.95 $25,783.32
22 $25,783.32 $1,000.00 $515.67 $27,298.98
23 $27,298.98 $1,000.00 $545.98 $28,844.96
24 $28,844.96 $1,000.00 $576.90 $30,421.86
25 $30,421.86 $1,000.00 $608.44 $32,030.30
26 $32,030.30 $1,000.00 $640.61 $33,670.91
27 $33,670.91 $1,000.00 $673.42 $35,344.32
28 $35,344.32 $1,000.00 $706.89 $37,051.21
29 $37,051.21 $1,000.00 $741.02 $38,792.23
30 $38,792.23 $1,000.00 $775.84 $40,568.08
31 $40,568.08 $1,000.00 $811.36 $42,379.44
32 $42,379.44 $1,000.00 $847.59 $44,227.03
33 $44,227.03 $1,000.00 $884.54 $46,111.57
34 $46,111.57 $1,000.00 $922.23 $48,033.80
35 $48,033.80 $1,000.00 $960.68 $49,994.48
36 $49,994.48 $1,000.00 $999.89 $51,994.37
37 $51,994.37 $1,000.00 $1,039.89 $54,034.25
 38 $54,034.25 $1,000.00 $1,080.69 $56,114.94
39 $56,114.94 $1,000.00 $1,122.30 $58,237.24
40 $58,237.24 $1,000.00 $1,164.74 $60,401.98
41 $60,401.98 $1,000.00 $1,208.04 $62,610.02
42 $62,610.02 $1,000.00 $1,252.20 $64,862.22
43 $64,862.22 $1,000.00 $1,297.24 $67,159.47
44 $67,159.47 $1,000.00 $1,343.19 $69,502.66
45 $69,502.66 $1,000.00 $1,390.05 $71,892.71
46 $71,892.71 $1,000.00 $1,437.85 $74,330.56
47 $74,330.56 $1,000.00 $1,486.61 $76,817.18
48 $76,817.18 $1,000.00 $1,536.34 $79,353.52
49 $79,353.52 $1,000.00 $1,587.07 $81,940.59
50 $81,940.59 $1,000.00 $1,638.81 $84,579.40
51 $84,579.40 $1,000.00 $1,691.59 $87,270.99
52 $87,270.99 $1,000.00 $1,745.42 $90,016.41
53 $90,016.41 $1,000.00 $1,800.33 $92,816.74
54 $92,816.74 $1,000.00 $1,856.33 $95,673.07
55 $95,673.07 $1,000.00 $1,913.46 $98,586.53
56 $98,586.53 $1,000.00 $1,971.73 $101,558.26
57 $101,558.26 $1,000.00 $2,031.17 $104,589.43
58 $104,589.43 $1,000.00 $2,091.79 $107,681.22
59 $107,681.22 $1,000.00 $2,153.62 $110,834.84
60 $110,834.84 $1,000.00 $2,216.70 $114,051.54

32. Una empresa alquila un bien inmueble en $20,000.00 mensuales

anticipados y propone al propietario pagar el alquiler anual al
principio de cada año, con una tasa del 2.65% convertible
mensualmente. ¿Cuál es el valor anual del alquiler?
Periodo Saldo Inicial Pago Intereses Amortizacion
1 $ 237,112.72 $ 20,000.00 $ - $ 20,000.00
2 $ 217,112.72 $ 20,000.00 $ 479.45 $ 19,520.55
3 $ 197,592.17 $ 20,000.00 $ 436.34 $ 19,563.66
4 $ 178,028.52 $ 20,000.00 $ 393.14 $ 19,606.86
5 $ 158,421.66 $ 20,000.00 $ 349.84 $ 19,650.16
6 $ 138,771.50 $ 20,000.00 $ 306.45 $ 19,693.55
7 $ 119,077.95 $ 20,000.00 $ 262.96 $ 19,737.04
8 $ 99,340.91 $ 20,000.00 $ 219.37 $ 19,780.63
9 $ 79,560.28 $ 20,000.00 $ 175.69 $ 19,824.31
10 $ 59,735.98 $ 20,000.00 $ 131.91 $ 19,868.09
11 $ 39,867.89 $ 20,000.00 $ 88.04 $ 19,911.96
12 $ 19,955.93 $ 20,000.00 $ 44.07 $ 19,955.93

33. Calcular el valor de contado de una casa vendida a 15 años de

plazo con pagos mensuales anticipados de $3,887 y una tasa de
interés del 13% capitalizable mensualmente.
Periodo Saldo Inicial Pago Intereses Amortizacion
 DATOS

P= $2,000.00
n= 6
i= 2.05%
vf= $12,632.86

DATOS
P= $2,060.00
n= 18
i= 0.02%
vf= $37,128.34

DATOS
P= $3,690.00
n= 17
i= 1.59%
vf= $71,355.89
 DATOS

P= $5,000.00
n= 34.8329207918325
i= 3.00%
vf= $300,000.00
 DATOS

P= $2,300.00
n= 18
i= 4.10%
vf= $59,508.34

DATOS

P= $50,000.00
n= 5
i= 4.00%
vf= $270,816.13
 DATOS

P= $595.00
n= 34
i= 2.68%
vf= $32,379.89

DATOS
P= $2,518.17
n= 9
i= 1.40%
vf= $23,975.00

DATOS

P= $3,800.00
n= 14
i= 0.92%
vf= $56,501.45

DATOS

P= $2,449.91
n= 30
i= 1.44%
vf= $91,090.90
 DATOS

P= $2,500.00
n= 30
i= 1.54%
vf= $94,469.94
 DATOS

P= $1,320.00
n= 18.6936692164081
i= 1.60%
vf= $28,512.97

DATOS:

P= $923.00
n= 5.97188426206909
i= 6.15%
vf= $6,426.59
 DATOS

P= $850.00
n= 48.0000069196888
i= 0.82%
vf= $49,784.96
 DATOS

P= $20,000.00
n= 5
i= 7.00%
vf= $115,014.78

DATOS

P= $200.00
n= 72
i= 1.00%
vf= $20,941.99
 DATOS

P= $315.57
n= 18
i= 0.64%
vf= $6,000.00

DATOS

P= $10,000.00
n= 10
i= 4.00%
vf= $120,061.07
 DATOS

P= $1,000.00
n= 60
i= 2.00%
vf= $114,051.54
 Datos

Saldo Final r= $ 20,000.00

$ 217,112.72 n= 12
$ 197,592.17 i= 0.22083%
$ 178,028.52 vp= $237,112.72
$ 158,421.66
$ 138,771.50
$ 119,077.95
$ 99,340.91
$ 79,560.28
$ 59,735.98
$ 39,867.89
$ 19,955.93
-$ 0.00

Datos
 Datos

Saldo Final r= $ 3,887.00

n 180
I 0.01083%
vp=