0.

25%

FACTORES DE INTERS DE % PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

SERIE UNIFORME

Factor de
cantidad
compuesta

Factor de valor
presente

Factor de
recuperacin
de capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,,N)

(P/F,,N)

(A/P,,N)

(P/A,,N)

(A/F,,N)

(F/A,,N)

(A/G,,N)

1
2
3
4
5

1.00250
1.00501
1.00752
1.01004
1.01256

0.99751
0.99502
0.99254
0.99006
0.98759

1.00250
0.50188
0.33500
0.25156
0.20150

0.99751
1.99252
2.98506
3.97512
4.96272

1.00000
0.49938
0.33250
0.24906
0.19900

1.00000
2.00250
3.00751
4.01503
5.02506

0.00000
0.49938
0.99834
1.49688
1.99501

1
2
3
4
5

6
7
8
9
10

1.01509
1.01763
1.02018
1.02273
1.02528

0.98513
0.98267
0.98022
0.97778
0.97534

0.16813
0.14429
0.12641
0.11250
0.10138

5.94785
6.93052
7.91074
8.88852
9.86386

0.16563
0.14179
0.12391
0.11000
0.09888

6.03763
7.05272
8.07035
9.09053
10.11325

2.49272
2.99001
3.48689
3.98335
4.47940

6
7
8
9
10

11
12
13
14
15

1.02785
1.03042
1.03299
1.03557
1.03816

0.97291
0.97048
0.96806
0.96565
0.96324

0.09228
0.08469
0.07828
0.07278
0.06801

10.83677
11.80725
12.77532
13.74096
14.70420

0.08978
0.08219
0.07578
0.07028
0.06551

11.13854
12.16638
13.19680
14.22979
15.26537

4.97503
5.47025
5.96504
6.45943
6.95339

11
12
13
14
15

16
17
18
19
20

1.04076
1.04336
1.04597
1.04858
1.05121

0.96084
0.95844
0.95605
0.95367
0.95129

0.06384
0.06016
0.05688
0.05396
0.05132

15.66504
16.62348
17.57953
18.53320
19.48449

0.06134
0.05766
0.05438
0.05146
0.04882

16.30353
17.34429
18.38765
19.43362
20.48220

7.44694
7.94008
8.43279
8.92510
9.41698

16
17
18
19
20

21
22
23
24
25

1.05383
1.05647
1.05911
1.06176
1.06441

0.94892
0.94655
0.94419
0.94184
0.93949

0.04894
0.04677
0.04479
0.04298
0.04131

20.43340
21.37995
22.32414
23.26598
24.20547

0.04644
0.04427
0.04229
0.04048
0.03881

21.53341
22.58724
23.64371
24.70282
25.76457

9.90845
10.39951
10.89014
11.38036
11.87017

21
22
23
24
25

26
27
28
29
30

1.06707
1.06974
1.07241
1.07510
1.07778

0.93714
0.93481
0.93248
0.93015
0.92783

0.03977
0.03835
0.03702
0.03579
0.03464

25.14261
26.07742
27.00989
27.94004
28.86787

0.03727
0.03585
0.03452
0.03329
0.03214

26.82899
27.89606
28.96580
30.03821
31.11331

12.35956
12.84853
13.33709
13.82523
14.31296

26
27
28
29
30

31
32
33
34
35

1.08048
1.08318
1.08589
1.08860
1.09132

0.92552
0.92321
0.92091
0.91861
0.91632

0.03356
0.03256
0.03161
0.03072
0.02988

29.79339
30.71660
31.63750
32.55611
33.47243

0.03106
0.03006
0.02911
0.02822
0.02738

32.19109
33.27157
34.35475
35.44064
36.52924

14.80027
15.28716
15.77364
16.25970
16.74535

31
32
33
34
35

40
45
50
55
60

1.10503
1.11892
1.13297
1.14720
1.16162

0.90495
0.89372
0.88263
0.87168
0.86087

0.02630
0.02352
0.02130
0.01948
0.01797

38.01986
42.51088
46.94617
51.32644
55.65236

0.02380
0.02102
0.01880
0.01698
0.01547

42.01320
47.56606
53.18868
58.88194
64.64671

19.16735
21.57895
23.98016
26.37098
28.75142

40
45
50
55
60

65
70
75
80
85

1.17621
1.19099
1.20595
1.22110
1.23644

0.85019
0.83964
0.82922
0.81894
0.80877

0.01669
0.01559
0.01464
0.01381
0.01307

59.92461
64.14385
68.31075
72.42595
76.49010

0.01419
0.01309
0.01214
0.01131
0.01057

70.48391
76.39444
82.37922
88.43918
94.57528

31.12148
33.48117
35.83048
38.16942
40.49801

65
70
75
80
85

90
95
100

1.25197
1.26770
1.28362

0.79874
0.78883
0.77904

0.01242
0.01184
0.01131

80.50382
84.46774
88.38248

0.00992
0.00934
0.00881

100.78845
107.07969
113.44996

42.81623
45.12410
47.42163

90
95
100

Factor de Valor Factor de fondo

Presente
de amortizacin

0.5%

FACTORES DE INTERS DE % PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,,N)

(P/F,,N)

(A/P,,N)

(P/A,,N)

(A/F,,N)

(F/A,,N)

(A/G,,N)

1
2
3
4
5

1.00500
1.01003
1.01508
1.02015
1.02525

0.99502
0.99007
0.98515
0.98025
0.97537

1.00500
0.50375
0.33667
0.25313
0.20301

0.99502
1.98510
2.97025
3.95050
4.92587

1.00000
0.49875
0.33167
0.24813
0.19801

1.00000
2.00500
3.01502
4.03010
5.05025

0.00000
0.49875
0.99667
1.49377
1.99003

1
2
3
4
5

6
7
8
9
10

1.03038
1.03553
1.04071
1.04591
1.05114

0.97052
0.96569
0.96089
0.95610
0.95135

0.16960
0.14573
0.12783
0.11391
0.10277

5.89638
6.86207
7.82296
8.77906
9.73041

0.16460
0.14073
0.12283
0.10891
0.09777

6.07550
7.10588
8.14141
9.18212
10.22803

2.48545
2.98005
3.47382
3.96675
4.45885

6
7
8
9
10

11
12
13
14
15

1.05640
1.06168
1.06699
1.07232
1.07768

0.94661
0.94191
0.93722
0.93256
0.92792

0.09366
0.08607
0.07964
0.07414
0.06936

10.67703
11.61893
12.55615
13.48871
14.41662

0.08866
0.08107
0.07464
0.06914
0.06436

11.27917
12.33556
13.39724
14.46423
15.53655

4.95013
5.44057
5.93018
6.41896
6.90691

11
12
13
14
15

16
17
18
19
20

1.08307
1.08849
1.09393
1.09940
1.10490

0.92330
0.91871
0.91414
0.90959
0.90506

0.06519
0.06151
0.05823
0.05530
0.05267

15.33993
16.25863
17.17277
18.08236
18.98742

0.06019
0.05651
0.05323
0.05030
0.04767

16.61423
17.69730
18.78579
19.87972
20.97912

7.39403
7.88031
8.36577
8.85040
9.33419

16
17
18
19
20

21
22
23
24
25

1.11042
1.11597
1.12155
1.12716
1.13280

0.90056
0.89608
0.89162
0.88719
0.88277

0.05028
0.04811
0.04613
0.04432
0.04265

19.88798
20.78406
21.67568
22.56287
23.44564

0.04528
0.04311
0.04113
0.03932
0.03765

22.08401
23.19443
24.31040
25.43196
26.55912

9.81716
10.29929
10.78060
11.26107
11.74072

21
22
23
24
25

26
27
28
29
30

1.13846
1.14415
1.14987
1.15562
1.16140

0.87838
0.87401
0.86966
0.86533
0.86103

0.04111
0.03969
0.03836
0.03713
0.03598

24.32402
25.19803
26.06769
26.93302
27.79405

0.03611
0.03469
0.03336
0.03213
0.03098

27.69191
28.83037
29.97452
31.12439
32.28002

12.21953
12.69751
13.17467
13.65099
14.12649

26
27
28
29
30

31
32
33
34
35

1.16721
1.17304
1.17891
1.18480
1.19073

0.85675
0.85248
0.84824
0.84402
0.83982

0.03490
0.03389
0.03295
0.03206
0.03122

28.65080
29.50328
30.35153
31.19555
32.03537

0.02990
0.02889
0.02795
0.02706
0.02622

33.44142
34.60862
35.78167
36.96058
38.14538

14.60116
15.07499
15.54800
16.02018
16.49153

31
32
33
34
35

40
45
50
55
60

1.22079
1.25162
1.28323
1.31563
1.34885

0.81914
0.79896
0.77929
0.76009
0.74137

0.02765
0.02487
0.02265
0.02084
0.01933

36.17223
40.20720
44.14279
47.98145
51.72556

0.02265
0.01987
0.01765
0.01584
0.01433

44.15885
50.32416
56.64516
63.12577
69.77003

18.83585
21.15947
23.46242
25.74471
28.00638

40
45
50
55
60

65
70
75
80
85

1.38291
1.41783
1.45363
1.49034
1.52797

0.72311
0.70530
0.68793
0.67099
0.65446

0.01806
0.01697
0.01602
0.01520
0.01447

55.37746
58.93942
62.41365
65.80231
69.10750

0.01306
0.01197
0.01102
0.01020
0.00947

76.58206
83.56611
90.72650
98.06771
105.59430

30.24745
32.46796
34.66794
36.84742
39.00646

65
70
75
80
85

90
95
100

1.56655
1.60611
1.64667

0.63834
0.62262
0.60729

0.01383
0.01325
0.01273

72.33130
75.47569
78.54264

0.00883
0.00825
0.00773

113.31094
121.22243
129.33370

41.14508
43.26333
45.36126

90
95
100

0.75%

FACTORES DE INTERS DE % PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,,N)

(P/F,,N)

(A/P,,N)

(P/A,,N)

(A/F,,N)

(F/A,,N)

(A/G,,N)

1
2
3
4
5

1.00750
1.01506
1.02267
1.03034
1.03807

0.99256
0.98517
0.97783
0.97055
0.96333

1.00750
0.50563
0.33835
0.25471
0.20452

0.99256
1.97772
2.95556
3.92611
4.88944

1.00000
0.49813
0.33085
0.24721
0.19702

1.00000
2.00750
3.02256
4.04523
5.07556

0.00000
0.49813
0.99502
1.49066
1.98506

1
2
3
4
5

6
7
8
9
10

1.04585
1.05370
1.06160
1.06956
1.07758

0.95616
0.94904
0.94198
0.93496
0.92800

0.17107
0.14717
0.12926
0.11532
0.10417

5.84560
6.79464
7.73661
8.67158
9.59958

0.16357
0.13967
0.12176
0.10782
0.09667

6.11363
7.15948
8.21318
9.27478
10.34434

2.47821
2.97011
3.46077
3.95019
4.43836

6
7
8
9
10

11
12
13
14
15

1.08566
1.09381
1.10201
1.11028
1.11860

0.92109
0.91424
0.90743
0.90068
0.89397

0.09505
0.08745
0.08102
0.07551
0.07074

10.52067
11.43491
12.34235
13.24302
14.13699

0.08755
0.07995
0.07352
0.06801
0.06324

11.42192
12.50759
13.60139
14.70340
15.81368

4.92529
5.41097
5.89541
6.37860
6.86055

11
12
13
14
15

16
17
18
19
20

1.12699
1.13544
1.14396
1.15254
1.16118

0.88732
0.88071
0.87416
0.86765
0.86119

0.06656
0.06287
0.05960
0.05667
0.05403

15.02431
15.90502
16.77918
17.64683
18.50802

0.05906
0.05537
0.05210
0.04917
0.04653

16.93228
18.05927
19.19472
20.33868
21.49122

7.34126
7.82072
8.29894
8.77592
9.25165

16
17
18
19
20

21
22
23
24
25

1.16989
1.17867
1.18751
1.19641
1.20539

0.85478
0.84842
0.84210
0.83583
0.82961

0.05165
0.04948
0.04750
0.04568
0.04402

19.36280
20.21121
21.05331
21.88915
22.71876

0.04415
0.04198
0.04000
0.03818
0.03652

22.65240
23.82230
25.00096
26.18847
27.38488

9.72614
10.19939
10.67139
11.14216
11.61168

21
22
23
24
25

26
27
28
29
30

1.21443
1.22354
1.23271
1.24196
1.25127

0.82343
0.81730
0.81122
0.80518
0.79919

0.04248
0.04105
0.03973
0.03850
0.03735

23.54219
24.35949
25.17071
25.97589
26.77508

0.03498
0.03355
0.03223
0.03100
0.02985

28.59027
29.80470
31.02823
32.26094
33.50290

12.07996
12.54701
13.01281
13.47737
13.94069

26
27
28
29
30

31
32
33
34
35

1.26066
1.27011
1.27964
1.28923
1.29890

0.79324
0.78733
0.78147
0.77565
0.76988

0.03627
0.03527
0.03432
0.03343
0.03259

27.56832
28.35565
29.13712
29.91278
30.68266

0.02877
0.02777
0.02682
0.02593
0.02509

34.75417
36.01483
37.28494
38.56458
39.85381

14.40277
14.86362
15.32322
15.78159
16.23872

31
32
33
34
35

40
45
50
55
60

1.34835
1.39968
1.45296
1.50827
1.56568

0.74165
0.71445
0.68825
0.66301
0.63870

0.02903
0.02627
0.02406
0.02226
0.02076

34.44694
38.07318
41.56645
44.93161
48.17337

0.02153
0.01877
0.01656
0.01476
0.01326

46.44648
53.29011
60.39426
67.76883
75.42414

18.50583
20.74209
22.94756
25.12233
27.26649

40
45
50
55
60

65
70
75
80
85

1.62528
1.68715
1.75137
1.81804
1.88725

0.61528
0.59272
0.57098
0.55004
0.52987

0.01949
0.01841
0.01748
0.01667
0.01595

51.29626
54.30462
57.20267
59.99444
62.68384

0.01199
0.01091
0.00998
0.00917
0.00845

83.37085
91.62007
100.18331
109.07253
118.30013

29.38014
31.46337
33.51631
35.53908
37.53180

65
70
75
80
85

90
95
100

1.95909
2.03367
2.11108

0.51044
0.49172
0.47369

0.01532
0.01476
0.01425

65.27461
67.77038
70.17462

0.00782
0.00726
0.00675

127.87899
137.82250
148.14451

39.49462
41.42768
43.33112

90
95
100

1%

FACTORES DE INTERS DE 1% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,1,N)

(P/F,1,N)

(A/P,1,N)

(P/A,1,N)

(A/F,1,N)

(F/A,1,N)

(A/G,1,N)

1
2
3
4
5

1.01000
1.02010
1.03030
1.04060
1.05101

0.99010
0.98030
0.97059
0.96098
0.95147

1.01000
0.50751
0.34002
0.25628
0.20604

0.99010
1.97040
2.94099
3.90197
4.85343

1.00000
0.49751
0.33002
0.24628
0.19604

1.00000
2.01000
3.03010
4.06040
5.10101

0.00000
0.49751
0.99337
1.48756
1.98010

1
2
3
4
5

6
7
8
9
10

1.06152
1.07214
1.08286
1.09369
1.10462

0.94205
0.93272
0.92348
0.91434
0.90529

0.17255
0.14863
0.13069
0.11674
0.10558

5.79548
6.72819
7.65168
8.56602
9.47130

0.16255
0.13863
0.12069
0.10674
0.09558

6.15202
7.21354
8.28567
9.36853
10.46221

2.47098
2.96020
3.44777
3.93367
4.41792

6
7
8
9
10

11
12
13
14
15

1.11567
1.12683
1.13809
1.14947
1.16097

0.89632
0.88745
0.87866
0.86996
0.86135

0.09645
0.08885
0.08241
0.07690
0.07212

10.36763
11.25508
12.13374
13.00370
13.86505

0.08645
0.07885
0.07241
0.06690
0.06212

11.56683
12.68250
13.80933
14.94742
16.09690

4.90052
5.38145
5.86073
6.33836
6.81433

11
12
13
14
15

16
17
18
19
20

1.17258
1.18430
1.19615
1.20811
1.22019

0.85282
0.84438
0.83602
0.82774
0.81954

0.06794
0.06426
0.06098
0.05805
0.05542

14.71787
15.56225
16.39827
17.22601
18.04555

0.05794
0.05426
0.05098
0.04805
0.04542

17.25786
18.43044
19.61475
20.81090
22.01900

7.28865
7.76131
8.23231
8.70167
9.16937

16
17
18
19
20

21
22
23
24
25

1.23239
1.24472
1.25716
1.26973
1.28243

0.81143
0.80340
0.79544
0.78757
0.77977

0.05303
0.05086
0.04889
0.04707
0.04541

18.85698
19.66038
20.45582
21.24339
22.02316

0.04303
0.04086
0.03889
0.03707
0.03541

23.23919
24.47159
25.71630
26.97346
28.24320

9.63542
10.09982
10.56257
11.02367
11.48312

21
22
23
24
25

26
27
28
29
30

1.29526
1.30821
1.32129
1.33450
1.34785

0.77205
0.76440
0.75684
0.74934
0.74192

0.04387
0.04245
0.04112
0.03990
0.03875

22.79520
23.55961
24.31644
25.06579
25.80771

0.03387
0.03245
0.03112
0.02990
0.02875

29.52563
30.82089
32.12910
33.45039
34.78489

11.94092
12.39707
12.85158
13.30444
13.75566

26
27
28
29
30

31
32
33
34
35

1.36133
1.37494
1.38869
1.40258
1.41660

0.73458
0.72730
0.72010
0.71297
0.70591

0.03768
0.03667
0.03573
0.03484
0.03400

26.54229
27.26959
27.98969
28.70267
29.40858

0.02768
0.02667
0.02573
0.02484
0.02400

36.13274
37.49407
38.86901
40.25770
41.66028

14.20523
14.65317
15.09946
15.54410
15.98711

31
32
33
34
35

40
45
50
55
60

1.48886
1.56481
1.64463
1.72852
1.81670

0.67165
0.63905
0.60804
0.57853
0.55045

0.03046
0.02771
0.02551
0.02373
0.02224

32.83469
36.09451
39.19612
42.14719
44.95504

0.02046
0.01771
0.01551
0.01373
0.01224

48.88637
56.48107
64.46318
72.85246
81.66967

18.17761
20.32730
22.43635
24.50495
26.53331

40
45
50
55
60

65
70
75
80
85

1.90937
2.00676
2.10913
2.21672
2.32979

0.52373
0.49831
0.47413
0.45112
0.42922

0.02100
0.01993
0.01902
0.01822
0.01752

47.62661
50.16851
52.58705
54.88821
57.07768

0.01100
0.00993
0.00902
0.00822
0.00752

90.93665
100.67634
110.91285
121.67152
132.97900

28.52167
30.47026
32.37934
34.24920
36.08013

65
70
75
80
85

90
95
100

2.44863
2.57354
2.70481

0.40839
0.38857
0.36971

0.01690
0.01636
0.01587

59.16088
61.14298
63.02888

0.00690
0.00636
0.00587

144.86327
157.35376
170.48138

37.87245
39.62648
41.34257

90
95
100

1.5%

FACTORES DE INTERS DE 1% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,1,N)

(P/F,1,N)

(A/P,1,N)

(P/A,1,N)

(A/F,1,N)

(F/A,1,N)

(A/G,1,N)

1
2
3
4
5

1.01500
1.03023
1.04568
1.06136
1.07728

0.98522
0.97066
0.95632
0.94218
0.92826

1.01500
0.51128
0.34338
0.25944
0.20909

0.98522
1.95588
2.91220
3.85438
4.78264

1.00000
0.49628
0.32838
0.24444
0.19409

1.00000
2.01500
3.04522
4.09090
5.15227

0.00000
0.49628
0.99007
1.48139
1.97023

1
2
3
4
5

6
7
8
9
10

1.09344
1.10984
1.12649
1.14339
1.16054

0.91454
0.90103
0.88771
0.87459
0.86167

0.17553
0.15156
0.13358
0.11961
0.10843

5.69719
6.59821
7.48593
8.36052
9.22218

0.16053
0.13656
0.11858
0.10461
0.09343

6.22955
7.32299
8.43284
9.55933
10.70272

2.45658
2.94046
3.42185
3.90077
4.37721

6
7
8
9
10

11
12
13
14
15

1.17795
1.19562
1.21355
1.23176
1.25023

0.84893
0.83639
0.82403
0.81185
0.79985

0.09929
0.09168
0.08524
0.07972
0.07494

10.07112
10.90751
11.73153
12.54338
13.34323

0.08429
0.07668
0.07024
0.06472
0.05994

11.86326
13.04121
14.23683
15.45038
16.68214

4.85118
5.32267
5.79169
6.25824
6.72231

11
12
13
14
15

16
17
18
19
20

1.26899
1.28802
1.30734
1.32695
1.34686

0.78803
0.77639
0.76491
0.75361
0.74247

0.07077
0.06708
0.06381
0.06088
0.05825

14.13126
14.90765
15.67256
16.42617
17.16864

0.05577
0.05208
0.04881
0.04588
0.04325

17.93237
19.20136
20.48938
21.79672
23.12367

7.18392
7.64306
8.09973
8.55394
9.00569

16
17
18
19
20

21
22
23
24
25

1.36706
1.38756
1.40838
1.42950
1.45095

0.73150
0.72069
0.71004
0.69954
0.68921

0.05587
0.05370
0.05173
0.04992
0.04826

17.90014
18.62082
19.33086
20.03041
20.71961

0.04087
0.03870
0.03673
0.03492
0.03326

24.47052
25.83758
27.22514
28.63352
30.06302

9.45497
9.90180
10.34618
10.78810
11.22758

21
22
23
24
25

26
27
28
29
30

1.47271
1.49480
1.51722
1.53998
1.56308

0.67902
0.66899
0.65910
0.64936
0.63976

0.04673
0.04532
0.04400
0.04278
0.04164

21.39863
22.06762
22.72672
23.37608
24.01584

0.03173
0.03032
0.02900
0.02778
0.02664

31.51397
32.98668
34.48148
35.99870
37.53868

11.66460
12.09918
12.53132
12.96102
13.38829

26
27
28
29
30

31
32
33
34
35

1.58653
1.61032
1.63448
1.65900
1.68388

0.63031
0.62099
0.61182
0.60277
0.59387

0.04057
0.03958
0.03864
0.03776
0.03693

24.64615
25.26714
25.87895
26.48173
27.07559

0.02557
0.02458
0.02364
0.02276
0.02193

39.10176
40.68829
42.29861
43.93309
45.59209

13.81312
14.23553
14.65550
15.07306
15.48820

31
32
33
34
35

40
45
50
55
60

1.81402
1.95421
2.10524
2.26794
2.44322

0.55126
0.51171
0.47500
0.44093
0.40930

0.03343
0.03072
0.02857
0.02683
0.02539

29.91585
32.55234
34.99969
37.27147
39.38027

0.01843
0.01572
0.01357
0.01183
0.01039

54.26789
63.61420
73.68283
84.52960
96.21465

17.52773
19.50739
21.42772
23.28936
25.09296

40
45
50
55
60

65
70
75
80
85

2.63204
2.83546
3.05459
3.29066
3.54498

0.37993
0.35268
0.32738
0.30389
0.28209

0.02419
0.02317
0.02230
0.02155
0.02089

41.33779
43.15487
44.84160
46.40732
47.86072

0.00919
0.00817
0.00730
0.00655
0.00589

108.80277
122.36375
136.97278
152.71085
169.66523

26.83925
28.52901
30.16306
31.74228
33.26756

65
70
75
80
85

90
95
100

3.81895
4.11409
4.43205

0.26185
0.24307
0.22563

0.02032
0.01982
0.01937

49.20985
50.46220
51.62470

0.00532
0.00482
0.00437

187.92990
207.60614
228.80304

34.73987
36.16018
37.52953

90
95
100

2%

FACTORES DE INTERS DE 2% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,2,N)

(P/F,2,N)

(A/P,2,N)

(P/A,2,N)

(A/F,2,N)

(F/A,2,N)

(A/G,2,N)

1
2
3
4
5

1.02000
1.04040
1.06121
1.08243
1.10408

0.98039
0.96117
0.94232
0.92385
0.90573

1.02000
0.51505
0.34675
0.26262
0.21216

0.98039
1.94156
2.88388
3.80773
4.71346

1.00000
0.49505
0.32675
0.24262
0.19216

1.00000
2.02000
3.06040
4.12161
5.20404

0.00000
0.49505
0.98680
1.47525
1.96040

1
2
3
4
5

6
7
8
9
10

1.12616
1.14869
1.17166
1.19509
1.21899

0.88797
0.87056
0.85349
0.83676
0.82035

0.17853
0.15451
0.13651
0.12252
0.11133

5.60143
6.47199
7.32548
8.16224
8.98259

0.15853
0.13451
0.11651
0.10252
0.09133

6.30812
7.43428
8.58297
9.75463
10.94972

2.44226
2.92082
3.39608
3.86805
4.33674

6
7
8
9
10

11
12
13
14
15

1.24337
1.26824
1.29361
1.31948
1.34587

0.80426
0.78849
0.77303
0.75788
0.74301

0.10218
0.09456
0.08812
0.08260
0.07783

9.78685
10.57534
11.34837
12.10625
12.84926

0.08218
0.07456
0.06812
0.06260
0.05783

12.16872
13.41209
14.68033
15.97394
17.29342

4.80213
5.26424
5.72307
6.17862
6.63090

11
12
13
14
15

16
17
18
19
20

1.37279
1.40024
1.42825
1.45681
1.48595

0.72845
0.71416
0.70016
0.68643
0.67297

0.07365
0.06997
0.06670
0.06378
0.06116

13.57771
14.29187
14.99203
15.67846
16.35143

0.05365
0.04997
0.04670
0.04378
0.04116

18.63929
20.01207
21.41231
22.84056
24.29737

7.07990
7.52564
7.96811
8.40732
8.84328

16
17
18
19
20

21
22
23
24
25

1.51567
1.54598
1.57690
1.60844
1.64061

0.65978
0.64684
0.63416
0.62172
0.60953

0.05878
0.05663
0.05467
0.05287
0.05122

17.01121
17.65805
18.29220
18.91393
19.52346

0.03878
0.03663
0.03467
0.03287
0.03122

25.78332
27.29898
28.84496
30.42186
32.03030

9.27599
9.70546
10.13169
10.55468
10.97445

21
22
23
24
25

26
27
28
29
30

1.67342
1.70689
1.74102
1.77584
1.81136

0.59758
0.58586
0.57437
0.56311
0.55207

0.04970
0.04829
0.04699
0.04578
0.04465

20.12104
20.70690
21.28127
21.84438
22.39646

0.02970
0.02829
0.02699
0.02578
0.02465

33.67091
35.34432
37.05121
38.79223
40.56808

11.39100
11.80433
12.21446
12.62138
13.02512

26
27
28
29
30

31
32
33
34
35

1.84759
1.88454
1.92223
1.96068
1.99989

0.54125
0.53063
0.52023
0.51003
0.50003

0.04360
0.04261
0.04169
0.04082
0.04000

22.93770
23.46833
23.98856
24.49859
24.99862

0.02360
0.02261
0.02169
0.02082
0.02000

42.37944
44.22703
46.11157
48.03380
49.99448

13.42566
13.82303
14.21722
14.60826
14.99613

31
32
33
34
35

40
45
50
55
60

2.20804
2.43785
2.69159
2.97173
3.28103

0.45289
0.41020
0.37153
0.33650
0.30478

0.03656
0.03391
0.03182
0.03014
0.02877

27.35548
29.49016
31.42361
33.17479
34.76089

0.01656
0.01391
0.01182
0.01014
0.00877

60.40198
71.89271
84.57940
98.58653
114.05154

16.88850
18.70336
20.44198
22.10572
23.69610

40
45
50
55
60

65
70
75
80
85

3.62252
3.99956
4.41584
4.87544
5.38288

0.27605
0.25003
0.22646
0.20511
0.18577

0.02763
0.02667
0.02586
0.02516
0.02456

36.19747
37.49862
38.67711
39.74451
40.71129

0.00763
0.00667
0.00586
0.00516
0.00456

131.12616
149.97791
170.79177
193.77196
219.14394

25.21471
26.66323
28.04344
29.35718
30.60635

65
70
75
80
85

90
95
100

5.94313
6.56170
7.24465

0.16826
0.15240
0.13803

0.02405
0.02360
0.02320

41.58693
42.38002
43.09835

0.00405
0.00360
0.00320

247.15666
278.08496
312.23231

31.79292
32.91889
33.98628

90
95
100

2.5%

FACTORES DE INTERS DE 2% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,2,N)

(P/F,2,N)

(A/P,2,N)

(P/A,2,N)

(A/F,2,N)

(F/A,2,N)

(A/G,2,N)

1
2
3
4
5

1.02500
1.05063
1.07689
1.10381
1.13141

0.97561
0.95181
0.92860
0.90595
0.88385

1.02500
0.51883
0.35014
0.26582
0.21525

0.97561
1.92742
2.85602
3.76197
4.64583

1.00000
0.49383
0.32514
0.24082
0.19025

1.00000
2.02500
3.07563
4.15252
5.25633

0.00000
0.49383
0.98354
1.46914
1.95063

1
2
3
4
5

6
7
8
9
10

1.15969
1.18869
1.21840
1.24886
1.28008

0.86230
0.84127
0.82075
0.80073
0.78120

0.18155
0.15750
0.13947
0.12546
0.11426

5.50813
6.34939
7.17014
7.97087
8.75206

0.15655
0.13250
0.11447
0.10046
0.08926

6.38774
7.54743
8.73612
9.95452
11.20338

2.42801
2.90128
3.37045
3.83552
4.29649

6
7
8
9
10

11
12
13
14
15

1.31209
1.34489
1.37851
1.41297
1.44830

0.76214
0.74356
0.72542
0.70773
0.69047

0.10511
0.09749
0.09105
0.08554
0.08077

9.51421
10.25776
10.98318
11.69091
12.38138

0.08011
0.07249
0.06605
0.06054
0.05577

12.48347
13.79555
15.14044
16.51895
17.93193

4.75338
5.20618
5.65490
6.09955
6.54013

11
12
13
14
15

16
17
18
19
20

1.48451
1.52162
1.55966
1.59865
1.63862

0.67362
0.65720
0.64117
0.62553
0.61027

0.07660
0.07293
0.06967
0.06676
0.06415

13.05500
13.71220
14.35336
14.97889
15.58916

0.05160
0.04793
0.04467
0.04176
0.03915

19.38022
20.86473
22.38635
23.94601
25.54466

6.97665
7.40912
7.83754
8.26193
8.68230

16
17
18
19
20

21
22
23
24
25

1.67958
1.72157
1.76461
1.80873
1.85394

0.59539
0.58086
0.56670
0.55288
0.53939

0.06179
0.05965
0.05770
0.05591
0.05428

16.18455
16.76541
17.33211
17.88499
18.42438

0.03679
0.03465
0.03270
0.03091
0.02928

27.18327
28.86286
30.58443
32.34904
34.15776

9.09865
9.51099
9.91933
10.32369
10.72408

21
22
23
24
25

26
27
28
29
30

1.90029
1.94780
1.99650
2.04641
2.09757

0.52623
0.51340
0.50088
0.48866
0.47674

0.05277
0.05138
0.05009
0.04889
0.04778

18.95061
19.46401
19.96489
20.45355
20.93029

0.02777
0.02638
0.02509
0.02389
0.02278

36.01171
37.91200
39.85980
41.85630
43.90270

11.12050
11.51298
11.90152
12.28613
12.66683

26
27
28
29
30

31
32
33
34
35

2.15001
2.20376
2.25885
2.31532
2.37321

0.46511
0.45377
0.44270
0.43191
0.42137

0.04674
0.04577
0.04486
0.04401
0.04321

21.39541
21.84918
22.29188
22.72379
23.14516

0.02174
0.02077
0.01986
0.01901
0.01821

46.00027
48.15028
50.35403
52.61289
54.92821

13.04364
13.41656
13.78562
14.15082
14.51218

31
32
33
34
35

40
45
50
55
60

2.68506
3.03790
3.43711
3.88877
4.39979

0.37243
0.32917
0.29094
0.25715
0.22728

0.03984
0.03727
0.03526
0.03365
0.03235

25.10278
26.83302
28.36231
29.71398
30.90866

0.01484
0.01227
0.01026
0.00865
0.00735

67.40255
81.51613
97.48435
115.55092
135.99159

16.26203
17.91848
19.48389
20.96077
22.35185

40
45
50
55
60

65
70
75
80
85

4.97796
5.63210
6.37221
7.20957
8.15696

0.20089
0.17755
0.15693
0.13870
0.12259

0.03128
0.03040
0.02965
0.02903
0.02849

31.96458
32.89786
33.72274
34.45182
35.09621

0.00628
0.00540
0.00465
0.00403
0.00349

159.11833
185.28411
214.88830
248.38271
286.27857

23.65996
24.88807
26.03926
27.11666
28.12346

65
70
75
80
85

90
95
100

9.22886
10.44160
11.81372

0.10836
0.09577
0.08465

0.02804
0.02765
0.02731

35.66577
36.16917
36.61411

0.00304
0.00265
0.00231

329.15425
377.66415
432.54865

29.06288
29.93815
30.75249

90
95
100

3%

FACTORES DE INTERS DE 3% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,3,N)

(P/F,3,N)

(A/P,3,N)

(P/A,3,N)

(A/F,3,N)

(F/A,3,N)

(A/G,3,N)

1
2
3
4
5

1.03000
1.06090
1.09273
1.12551
1.15927

0.97087
0.94260
0.91514
0.88849
0.86261

1.03000
0.52261
0.35353
0.26903
0.21835

0.97087
1.91347
2.82861
3.71710
4.57971

1.00000
0.49261
0.32353
0.23903
0.18835

1.00000
2.03000
3.09090
4.18363
5.30914

0.00000
0.49261
0.98030
1.46306
1.94090

1
2
3
4
5

6
7
8
9
10

1.19405
1.22987
1.26677
1.30477
1.34392

0.83748
0.81309
0.78941
0.76642
0.74409

0.18460
0.16051
0.14246
0.12843
0.11723

5.41719
6.23028
7.01969
7.78611
8.53020

0.15460
0.13051
0.11246
0.09843
0.08723

6.46841
7.66246
8.89234
10.15911
11.46388

2.41383
2.88185
3.34496
3.80318
4.25650

6
7
8
9
10

11
12
13
14
15

1.38423
1.42576
1.46853
1.51259
1.55797

0.72242
0.70138
0.68095
0.66112
0.64186

0.10808
0.10046
0.09403
0.08853
0.08377

9.25262
9.95400
10.63496
11.29607
11.93794

0.07808
0.07046
0.06403
0.05853
0.05377

12.80780
14.19203
15.61779
17.08632
18.59891

4.70494
5.14850
5.58720
6.02104
6.45004

11
12
13
14
15

16
17
18
19
20

1.60471
1.65285
1.70243
1.75351
1.80611

0.62317
0.60502
0.58739
0.57029
0.55368

0.07961
0.07595
0.07271
0.06981
0.06722

12.56110
13.16612
13.75351
14.32380
14.87747

0.04961
0.04595
0.04271
0.03981
0.03722

20.15688
21.76159
23.41444
25.11687
26.87037

6.87421
7.29357
7.70812
8.11788
8.52286

16
17
18
19
20

21
22
23
24
25

1.86029
1.91610
1.97359
2.03279
2.09378

0.53755
0.52189
0.50669
0.49193
0.47761

0.06487
0.06275
0.06081
0.05905
0.05743

15.41502
15.93692
16.44361
16.93554
17.41315

0.03487
0.03275
0.03081
0.02905
0.02743

28.67649
30.53678
32.45288
34.42647
36.45926

8.92309
9.31858
9.70934
10.09540
10.47677

21
22
23
24
25

26
27
28
29
30

2.15659
2.22129
2.28793
2.35657
2.42726

0.46369
0.45019
0.43708
0.42435
0.41199

0.05594
0.05456
0.05329
0.05211
0.05102

17.87684
18.32703
18.76411
19.18845
19.60044

0.02594
0.02456
0.02329
0.02211
0.02102

38.55304
40.70963
42.93092
45.21885
47.57542

10.85348
11.22554
11.59298
11.95582
12.31407

26
27
28
29
30

31
32
33
34
35

2.50008
2.57508
2.65234
2.73191
2.81386

0.39999
0.38834
0.37703
0.36604
0.35538

0.05000
0.04905
0.04816
0.04732
0.04654

20.00043
20.38877
20.76579
21.13184
21.48722

0.02000
0.01905
0.01816
0.01732
0.01654

50.00268
52.50276
55.07784
57.73018
60.46208

12.66777
13.01694
13.36160
13.70177
14.03749

31
32
33
34
35

40
45
50
55
60

3.26204
3.78160
4.38391
5.08215
5.89160

0.30656
0.26444
0.22811
0.19677
0.16973

0.04326
0.04079
0.03887
0.03735
0.03613

23.11477
24.51871
25.72976
26.77443
27.67556

0.01326
0.01079
0.00887
0.00735
0.00613

75.40126
92.71986
112.79687
136.07162
163.05344

15.65016
17.15557
18.55751
19.86004
21.06742

40
45
50
55
60

65
70
75
80
85

6.82998
7.91782
9.17893
10.64089
12.33571

0.14641
0.12630
0.10895
0.09398
0.08107

0.03515
0.03434
0.03367
0.03311
0.03265

28.45289
29.12342
29.70183
30.20076
30.63115

0.00515
0.00434
0.00367
0.00311
0.00265

194.33276
230.59406
272.63086
321.36302
377.85695

22.18407
23.21454
24.16342
25.03534
25.83490

65
70
75
80
85

90
95
100

14.30047
16.57816
19.21863

0.06993
0.06032
0.05203

0.03226
0.03193
0.03165

31.00241
31.32266
31.59891

0.00226
0.00193
0.00165

443.34890
519.27203
607.28773

26.56665
27.23505
27.84445

90
95
100

4%

FACTORES DE INTERS DE 4% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,4,N)

(P/F,4,N)

(A/P,4,N)

(P/A,4,N)

(A/F,4,N)

(F/A,4,N)

(A/G,4,N)

1
2
3
4
5

1.04000
1.08160
1.12486
1.16986
1.21665

0.96154
0.92456
0.88900
0.85480
0.82193

1.04000
0.53020
0.36035
0.27549
0.22463

0.96154
1.88609
2.77509
3.62990
4.45182

1.00000
0.49020
0.32035
0.23549
0.18463

1.00000
2.04000
3.12160
4.24646
5.41632

0.00000
0.49020
0.97386
1.45100
1.92161

1
2
3
4
5

6
7
8
9
10

1.26532
1.31593
1.36857
1.42331
1.48024

0.79031
0.75992
0.73069
0.70259
0.67556

0.19076
0.16661
0.14853
0.13449
0.12329

5.24214
6.00205
6.73274
7.43533
8.11090

0.15076
0.12661
0.10853
0.09449
0.08329

6.63298
7.89829
9.21423
10.58280
12.00611

2.38571
2.84332
3.29443
3.73908
4.17726

6
7
8
9
10

11
12
13
14
15

1.53945
1.60103
1.66507
1.73168
1.80094

0.64958
0.62460
0.60057
0.57748
0.55526

0.11415
0.10655
0.10014
0.09467
0.08994

8.76048
9.38507
9.98565
10.56312
11.11839

0.07415
0.06655
0.06014
0.05467
0.04994

13.48635
15.02581
16.62684
18.29191
20.02359

4.60901
5.03435
5.45329
5.86586
6.27209

11
12
13
14
15

16
17
18
19
20

1.87298
1.94790
2.02582
2.10685
2.19112

0.53391
0.51337
0.49363
0.47464
0.45639

0.08582
0.08220
0.07899
0.07614
0.07358

11.65230
12.16567
12.65930
13.13394
13.59033

0.04582
0.04220
0.03899
0.03614
0.03358

21.82453
23.69751
25.64541
27.67123
29.77808

6.67200
7.06563
7.45300
7.83416
8.20912

16
17
18
19
20

21
22
23
24
25

2.27877
2.36992
2.46472
2.56330
2.66584

0.43883
0.42196
0.40573
0.39012
0.37512

0.07128
0.06920
0.06731
0.06559
0.06401

14.02916
14.45112
14.85684
15.24696
15.62208

0.03128
0.02920
0.02731
0.02559
0.02401

31.96920
34.24797
36.61789
39.08260
41.64591

8.57794
8.94065
9.29729
9.64790
9.99252

21
22
23
24
25

26
27
28
29
30

2.77247
2.88337
2.99870
3.11865
3.24340

0.36069
0.34682
0.33348
0.32065
0.30832

0.06257
0.06124
0.06001
0.05888
0.05783

15.98277
16.32959
16.66306
16.98371
17.29203

0.02257
0.02124
0.02001
0.01888
0.01783

44.31174
47.08421
49.96758
52.96629
56.08494

10.33120
10.66399
10.99092
11.31205
11.62743

26
27
28
29
30

31
32
33
34
35

3.37313
3.50806
3.64838
3.79432
3.94609

0.29646
0.28506
0.27409
0.26355
0.25342

0.05686
0.05595
0.05510
0.05431
0.05358

17.58849
17.87355
18.14765
18.41120
18.66461

0.01686
0.01595
0.01510
0.01431
0.01358

59.32834
62.70147
66.20953
69.85791
73.65222

11.93710
12.24113
12.53956
12.83244
13.11984

31
32
33
34
35

40
45
50
55
60

4.80102
5.84118
7.10668
8.64637
10.51963

0.20829
0.17120
0.14071
0.11566
0.09506

0.05052
0.04826
0.04655
0.04523
0.04420

19.79277
20.72004
21.48218
22.10861
22.62349

0.01052
0.00826
0.00655
0.00523
0.00420

95.02552
121.02939
152.66708
191.15917
237.99069

14.47651
15.70474
16.81225
17.80704
18.69723

40
45
50
55
60

65
70
75
80
85

12.79874
15.57162
18.94525
23.04980
28.04360

0.07813
0.06422
0.05278
0.04338
0.03566

0.04339
0.04275
0.04223
0.04181
0.04148

23.04668
23.39451
23.68041
23.91539
24.10853

0.00339
0.00275
0.00223
0.00181
0.00148

294.96838
364.29046
448.63137
551.24498
676.09012

19.49093
20.19614
20.82062
21.37185
21.85693

65
70
75
80
85

90
95
100

34.11933
41.51139
50.50495

0.02931
0.02409
0.01980

0.04121
0.04099
0.04081

24.26728
24.39776
24.50500

0.00121
0.00099
0.00081

827.98333
1012.78465
1237.62370

22.28255
22.65498
22.98000

90
95
100

5%

FACTORES DE INTERS DE 5% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,5,N)

(P/F,5,N)

(A/P,5,N)

(P/A,5,N)

(A/F,5,N)

(F/A,5,N)

(A/G,5,N)

1
2
3
4
5

1.05000
1.10250
1.15763
1.21551
1.27628

0.95238
0.90703
0.86384
0.82270
0.78353

1.05000
0.53780
0.36721
0.28201
0.23097

0.95238
1.85941
2.72325
3.54595
4.32948

1.00000
0.48780
0.31721
0.23201
0.18097

1.00000
2.05000
3.15250
4.31013
5.52563

0.00000
0.48780
0.96749
1.43905
1.90252

1
2
3
4
5

6
7
8
9
10

1.34010
1.40710
1.47746
1.55133
1.62889

0.74622
0.71068
0.67684
0.64461
0.61391

0.19702
0.17282
0.15472
0.14069
0.12950

5.07569
5.78637
6.46321
7.10782
7.72173

0.14702
0.12282
0.10472
0.09069
0.07950

6.80191
8.14201
9.54911
11.02656
12.57789

2.35790
2.80523
3.24451
3.67579
4.09909

6
7
8
9
10

11
12
13
14
15

1.71034
1.79586
1.88565
1.97993
2.07893

0.58468
0.55684
0.53032
0.50507
0.48102

0.12039
0.11283
0.10646
0.10102
0.09634

8.30641
8.86325
9.39357
9.89864
10.37966

0.07039
0.06283
0.05646
0.05102
0.04634

14.20679
15.91713
17.71298
19.59863
21.57856

4.51444
4.92190
5.32150
5.71329
6.09731

11
12
13
14
15

16
17
18
19
20

2.18287
2.29202
2.40662
2.52695
2.65330

0.45811
0.43630
0.41552
0.39573
0.37689

0.09227
0.08870
0.08555
0.08275
0.08024

10.83777
11.27407
11.68959
12.08532
12.46221

0.04227
0.03870
0.03555
0.03275
0.03024

23.65749
25.84037
28.13238
30.53900
33.06595

6.47363
6.84229
7.20336
7.55690
7.90297

16
17
18
19
20

21
22
23
24
25

2.78596
2.92526
3.07152
3.22510
3.38635

0.35894
0.34185
0.32557
0.31007
0.29530

0.07800
0.07597
0.07414
0.07247
0.07095

12.82115
13.16300
13.48857
13.79864
14.09394

0.02800
0.02597
0.02414
0.02247
0.02095

35.71925
38.50521
41.43048
44.50200
47.72710

8.24164
8.57298
8.89706
9.21397
9.52377

21
22
23
24
25

26
27
28
29
30

3.55567
3.73346
3.92013
4.11614
4.32194

0.28124
0.26785
0.25509
0.24295
0.23138

0.06956
0.06829
0.06712
0.06605
0.06505

14.37519
14.64303
14.89813
15.14107
15.37245

0.01956
0.01829
0.01712
0.01605
0.01505

51.11345
54.66913
58.40258
62.32271
66.43885

9.82655
10.12240
10.41138
10.69360
10.96914

26
27
28
29
30

31
32
33
34
35

4.53804
4.76494
5.00319
5.25335
5.51602

0.22036
0.20987
0.19987
0.19035
0.18129

0.06413
0.06328
0.06249
0.06176
0.06107

15.59281
15.80268
16.00255
16.19290
16.37419

0.01413
0.01328
0.01249
0.01176
0.01107

70.76079
75.29883
80.06377
85.06696
90.32031

11.23809
11.50053
11.75657
12.00630
12.24980

31
32
33
34
35

40
45
50
55
60

7.03999
8.98501
11.46740
14.63563
18.67919

0.14205
0.11130
0.08720
0.06833
0.05354

0.05828
0.05626
0.05478
0.05367
0.05283

17.15909
17.77407
18.25593
18.63347
18.92929

0.00828
0.00626
0.00478
0.00367
0.00283

120.79977
159.70016
209.34800
272.71262
353.58372

13.37747
14.36444
15.22326
15.96645
16.60618

40
45
50
55
60

65
70
75
80
85

23.83990
30.42643
38.83269
49.56144
63.25435

0.04195
0.03287
0.02575
0.02018
0.01581

0.05219
0.05170
0.05132
0.05103
0.05080

19.16107
19.34268
19.48497
19.59646
19.68382

0.00219
0.00170
0.00132
0.00103
0.00080

456.79801
588.52851
756.65372
971.22882
1245.08707

17.15410
17.62119
18.01759
18.35260
18.63463

65
70
75
80
85

90
95
100

80.73037
103.03468
131.50126

0.01239
0.00971
0.00760

0.05063
0.05049
0.05038

19.75226
19.80589
19.84791

0.00063
0.00049
0.00038

1594.60730
2040.69353
2610.02516

18.87120
19.06894
19.23372

90
95
100

6%

FACTORES DE INTERS DE 6% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,6,N)

(P/F,6,N)

(A/P,6,N)

(P/A,6,N)

(A/F,6,N)

(F/A,6,N)

(A/G,6,N)

1
2
3
4
5

1.06000
1.12360
1.19102
1.26248
1.33823

0.94340
0.89000
0.83962
0.79209
0.74726

1.06000
0.54544
0.37411
0.28859
0.23740

0.94340
1.83339
2.67301
3.46511
4.21236

1.00000
0.48544
0.31411
0.22859
0.17740

1.00000
2.06000
3.18360
4.37462
5.63709

0.00000
0.48544
0.96118
1.42723
1.88363

1
2
3
4
5

6
7
8
9
10

1.41852
1.50363
1.59385
1.68948
1.79085

0.70496
0.66506
0.62741
0.59190
0.55839

0.20336
0.17914
0.16104
0.14702
0.13587

4.91732
5.58238
6.20979
6.80169
7.36009

0.14336
0.11914
0.10104
0.08702
0.07587

6.97532
8.39384
9.89747
11.49132
13.18079

2.33040
2.76758
3.19521
3.61333
4.02201

6
7
8
9
10

11
12
13
14
15

1.89830
2.01220
2.13293
2.26090
2.39656

0.52679
0.49697
0.46884
0.44230
0.41727

0.12679
0.11928
0.11296
0.10758
0.10296

7.88687
8.38384
8.85268
9.29498
9.71225

0.06679
0.05928
0.05296
0.04758
0.04296

14.97164
16.86994
18.88214
21.01507
23.27597

4.42129
4.81126
5.19198
5.56352
5.92598

11
12
13
14
15

16
17
18
19
20

2.54035
2.69277
2.85434
3.02560
3.20714

0.39365
0.37136
0.35034
0.33051
0.31180

0.09895
0.09544
0.09236
0.08962
0.08718

10.10590
10.47726
10.82760
11.15812
11.46992

0.03895
0.03544
0.03236
0.02962
0.02718

25.67253
28.21288
30.90565
33.75999
36.78559

6.27943
6.62397
6.95970
7.28673
7.60515

16
17
18
19
20

21
22
23
24
25

3.39956
3.60354
3.81975
4.04893
4.29187

0.29416
0.27751
0.26180
0.24698
0.23300

0.08500
0.08305
0.08128
0.07968
0.07823

11.76408
12.04158
12.30338
12.55036
12.78336

0.02500
0.02305
0.02128
0.01968
0.01823

39.99273
43.39229
46.99583
50.81558
54.86451

7.91508
8.21662
8.50991
8.79506
9.07220

21
22
23
24
25

26
27
28
29
30

4.54938
4.82235
5.11169
5.41839
5.74349

0.21981
0.20737
0.19563
0.18456
0.17411

0.07690
0.07570
0.07459
0.07358
0.07265

13.00317
13.21053
13.40616
13.59072
13.76483

0.01690
0.01570
0.01459
0.01358
0.01265

59.15638
63.70577
68.52811
73.63980
79.05819

9.34145
9.60294
9.85681
10.10319
10.34221

26
27
28
29
30

31
32
33
34
35

6.08810
6.45339
6.84059
7.25103
7.68609

0.16425
0.15496
0.14619
0.13791
0.13011

0.07179
0.07100
0.07027
0.06960
0.06897

13.92909
14.08404
14.23023
14.36814
14.49825

0.01179
0.01100
0.01027
0.00960
0.00897

84.80168
90.88978
97.34316
104.18375
111.43478

10.57402
10.79875
11.01655
11.22756
11.43192

31
32
33
34
35

40
45
50
55
60

10.28572
13.76461
18.42015
24.65032
32.98769

0.09722
0.07265
0.05429
0.04057
0.03031

0.06646
0.06470
0.06344
0.06254
0.06188

15.04630
15.45583
15.76186
15.99054
16.16143

0.00646
0.00470
0.00344
0.00254
0.00188

154.76197
212.74351
290.33590
394.17203
533.12818

12.35898
13.14129
13.79643
14.34112
14.79095

40
45
50
55
60

65
70
75
80
85

44.14497
59.07593
79.05692
105.79599
141.57890

0.02265
0.01693
0.01265
0.00945
0.00706

0.06139
0.06103
0.06077
0.06057
0.06043

16.28912
16.38454
16.45585
16.50913
16.54895

0.00139
0.00103
0.00077
0.00057
0.00043

719.08286
967.93217
1300.94868
1746.59989
2342.98174

15.16012
15.46135
15.70583
15.90328
16.06202

65
70
75
80
85

90
95
100

189.46451
253.54625
339.30208

0.00528
0.00394
0.00295

0.06032
0.06024
0.06018

16.57870
16.60093
16.61755

0.00032
0.00024
0.00018

3141.07519
4209.10425
5638.36806

16.18912
16.29050
16.37107

90
95
100

7%

FACTORES DE INTERS DE 7% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,7,N)

(P/F,7,N)

(A/P,7,N)

(P/A,7,N)

(A/F,7,N)

(F/A,7,N)

(A/G,7,N)

1
2
3
4
5

1.07000
1.14490
1.22504
1.31080
1.40255

0.93458
0.87344
0.81630
0.76290
0.71299

1.07000
0.55309
0.38105
0.29523
0.24389

0.93458
1.80802
2.62432
3.38721
4.10020

1.00000
0.48309
0.31105
0.22523
0.17389

1.00000
2.07000
3.21490
4.43994
5.75074

0.00000
0.48309
0.95493
1.41554
1.86495

1
2
3
4
5

6
7
8
9
10

1.50073
1.60578
1.71819
1.83846
1.96715

0.66634
0.62275
0.58201
0.54393
0.50835

0.20980
0.18555
0.16747
0.15349
0.14238

4.76654
5.38929
5.97130
6.51523
7.02358

0.13980
0.11555
0.09747
0.08349
0.07238

7.15329
8.65402
10.25980
11.97799
13.81645

2.30322
2.73039
3.14654
3.55174
3.94607

6
7
8
9
10

11
12
13
14
15

2.10485
2.25219
2.40985
2.57853
2.75903

0.47509
0.44401
0.41496
0.38782
0.36245

0.13336
0.12590
0.11965
0.11434
0.10979

7.49867
7.94269
8.35765
8.74547
9.10791

0.06336
0.05590
0.04965
0.04434
0.03979

15.78360
17.88845
20.14064
22.55049
25.12902

4.32963
4.70252
5.06484
5.41673
5.75829

11
12
13
14
15

16
17
18
19
20

2.95216
3.15882
3.37993
3.61653
3.86968

0.33873
0.31657
0.29586
0.27651
0.25842

0.10586
0.10243
0.09941
0.09675
0.09439

9.44665
9.76322
10.05909
10.33560
10.59401

0.03586
0.03243
0.02941
0.02675
0.02439

27.88805
30.84022
33.99903
37.37896
40.99549

6.08968
6.41102
6.72247
7.02418
7.31631

16
17
18
19
20

21
22
23
24
25

4.14056
4.43040
4.74053
5.07237
5.42743

0.24151
0.22571
0.21095
0.19715
0.18425

0.09229
0.09041
0.08871
0.08719
0.08581

10.83553
11.06124
11.27219
11.46933
11.65358

0.02229
0.02041
0.01871
0.01719
0.01581

44.86518
49.00574
53.43614
58.17667
63.24904

7.59901
7.87247
8.13685
8.39234
8.63910

21
22
23
24
25

26
27
28
29
30

5.80735
6.21387
6.64884
7.11426
7.61226

0.17220
0.16093
0.15040
0.14056
0.13137

0.08456
0.08343
0.08239
0.08145
0.08059

11.82578
11.98671
12.13711
12.27767
12.40904

0.01456
0.01343
0.01239
0.01145
0.01059

68.67647
74.48382
80.69769
87.34653
94.46079

8.87733
9.10722
9.32894
9.54270
9.74868

26
27
28
29
30

31
32
33
34
35

8.14511
8.71527
9.32534
9.97811
10.67658

0.12277
0.11474
0.10723
0.10022
0.09366

0.07980
0.07907
0.07841
0.07780
0.07723

12.53181
12.64656
12.75379
12.85401
12.94767

0.00980
0.00907
0.00841
0.00780
0.00723

102.07304
110.21815
118.93343
128.25876
138.23688

9.94708
10.13810
10.32191
10.49873
10.66873

31
32
33
34
35

40
45
50
55
60

14.97446
21.00245
29.45703
41.31500
57.94643

0.06678
0.04761
0.03395
0.02420
0.01726

0.07501
0.07350
0.07246
0.07174
0.07123

13.33171
13.60552
13.80075
13.93994
14.03918

0.00501
0.00350
0.00246
0.00174
0.00123

199.63511
285.74931
406.52893
575.92859
813.52038

11.42335
12.03599
12.52868
12.92146
13.23209

40
45
50
55
60

65
70
75
80
85

81.27286
113.98939
159.87602
224.23439
314.50033

0.01230
0.00877
0.00625
0.00446
0.00318

0.07087
0.07062
0.07044
0.07031
0.07022

14.10994
14.16039
14.19636
14.22201
14.24029

0.00087
0.00062
0.00044
0.00031
0.00022

1146.75516
1614.13417
2269.65742
3189.06268
4478.57612

13.47598
13.66619
13.81365
13.92735
14.01458

65
70
75
80
85

90
95
100

441.10298
618.66975
867.71633

0.00227
0.00162
0.00115

0.07016
0.07011
0.07008

14.25333
14.26262
14.26925

0.00016
0.00011
0.00008

6287.18543
8823.85354
12381.66179

14.08122
14.13191
14.17034

90
95
100

8%

FACTORES DE INTERS DE 8% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,8,N)

(P/F,8,N)

(A/P,8,N)

(P/A,8,N)

(A/F,8,N)

(F/A,8,N)

(A/G,8,N)

1
2
3
4
5

1.08000
1.16640
1.25971
1.36049
1.46933

0.92593
0.85734
0.79383
0.73503
0.68058

1.08000
0.56077
0.38803
0.30192
0.25046

0.92593
1.78326
2.57710
3.31213
3.99271

1.00000
0.48077
0.30803
0.22192
0.17046

1.00000
2.08000
3.24640
4.50611
5.86660

0.00000
0.48077
0.94874
1.40396
1.84647

1
2
3
4
5

6
7
8
9
10

1.58687
1.71382
1.85093
1.99900
2.15892

0.63017
0.58349
0.54027
0.50025
0.46319

0.21632
0.19207
0.17401
0.16008
0.14903

4.62288
5.20637
5.74664
6.24689
6.71008

0.13632
0.11207
0.09401
0.08008
0.06903

7.33593
8.92280
10.63663
12.48756
14.48656

2.27635
2.69366
3.09852
3.49103
3.87131

6
7
8
9
10

11
12
13
14
15

2.33164
2.51817
2.71962
2.93719
3.17217

0.42888
0.39711
0.36770
0.34046
0.31524

0.14008
0.13270
0.12652
0.12130
0.11683

7.13896
7.53608
7.90378
8.24424
8.55948

0.06008
0.05270
0.04652
0.04130
0.03683

16.64549
18.97713
21.49530
24.21492
27.15211

4.23950
4.59575
4.94021
5.27305
5.59446

11
12
13
14
15

16
17
18
19
20

3.42594
3.70002
3.99602
4.31570
4.66096

0.29189
0.27027
0.25025
0.23171
0.21455

0.11298
0.10963
0.10670
0.10413
0.10185

8.85137
9.12164
9.37189
9.60360
9.81815

0.03298
0.02963
0.02670
0.02413
0.02185

30.32428
33.75023
37.45024
41.44626
45.76196

5.90463
6.20375
6.49203
6.76969
7.03695

16
17
18
19
20

21
22
23
24
25

5.03383
5.43654
5.87146
6.34118
6.84848

0.19866
0.18394
0.17032
0.15770
0.14602

0.09983
0.09803
0.09642
0.09498
0.09368

10.01680
10.20074
10.37106
10.52876
10.67478

0.01983
0.01803
0.01642
0.01498
0.01368

50.42292
55.45676
60.89330
66.76476
73.10594

7.29403
7.54118
7.77863
8.00661
8.22538

21
22
23
24
25

26
27
28
29
30

7.39635
7.98806
8.62711
9.31727
10.06266

0.13520
0.12519
0.11591
0.10733
0.09938

0.09251
0.09145
0.09049
0.08962
0.08883

10.80998
10.93516
11.05108
11.15841
11.25778

0.01251
0.01145
0.01049
0.00962
0.00883

79.95442
87.35077
95.33883
103.96594
113.28321

8.43518
8.63627
8.82888
9.01328
9.18971

26
27
28
29
30

31
32
33
34
35

10.86767
11.73708
12.67605
13.69013
14.78534

0.09202
0.08520
0.07889
0.07305
0.06763

0.08811
0.08745
0.08685
0.08630
0.08580

11.34980
11.43500
11.51389
11.58693
11.65457

0.00811
0.00745
0.00685
0.00630
0.00580

123.34587
134.21354
145.95062
158.62667
172.31680

9.35843
9.51967
9.67370
9.82075
9.96107

31
32
33
34
35

40
45
50
55
60

21.72452
31.92045
46.90161
68.91386
101.25706

0.04603
0.03133
0.02132
0.01451
0.00988

0.08386
0.08259
0.08174
0.08118
0.08080

11.92461
12.10840
12.23348
12.31861
12.37655

0.00386
0.00259
0.00174
0.00118
0.00080

259.05652
386.50562
573.77016
848.92320
1253.21330

10.56992
11.04465
11.41071
11.69015
11.90154

40
45
50
55
60

65
70
75
80
85

148.77985
218.60641
321.20453
471.95483
693.45649

0.00672
0.00457
0.00311
0.00212
0.00144

0.08054
0.08037
0.08025
0.08017
0.08012

12.41598
12.44282
12.46108
12.47351
12.48197

0.00054
0.00037
0.00025
0.00017
0.00012

1847.24808
2720.08007
4002.55662
5886.93543
8655.70611

12.06016
12.17832
12.26577
12.33013
12.37725

65
70
75
80
85

90
95
100

1018.91509
1497.12055
2199.76126

0.00098
0.00067
0.00045

0.08008
0.08005
0.08004

12.48773
12.49165
12.49432

0.00008
0.00005
0.00004

12723.93862
18701.50686
27484.51570

12.41158
12.43650
12.45452

90
95
100

9%

FACTORES DE INTERS DE 9% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,9,N)

(P/F,9,N)

(A/P,9,N)

(P/A,9,N)

(A/F,9,N)

(F/A,9,N)

(A/G,9,N)

1
2
3
4
5

1.09000
1.18810
1.29503
1.41158
1.53862

0.91743
0.84168
0.77218
0.70843
0.64993

1.09000
0.56847
0.39505
0.30867
0.25709

0.91743
1.75911
2.53129
3.23972
3.88965

1.00000
0.47847
0.30505
0.21867
0.16709

1.00000
2.09000
3.27810
4.57313
5.98471

0.00000
0.47847
0.94262
1.39250
1.82820

1
2
3
4
5

6
7
8
9
10

1.67710
1.82804
1.99256
2.17189
2.36736

0.59627
0.54703
0.50187
0.46043
0.42241

0.22292
0.19869
0.18067
0.16680
0.15582

4.48592
5.03295
5.53482
5.99525
6.41766

0.13292
0.10869
0.09067
0.07680
0.06582

7.52333
9.20043
11.02847
13.02104
15.19293

2.24979
2.65740
3.05117
3.43123
3.79777

6
7
8
9
10

11
12
13
14
15

2.58043
2.81266
3.06580
3.34173
3.64248

0.38753
0.35553
0.32618
0.29925
0.27454

0.14695
0.13965
0.13357
0.12843
0.12406

6.80519
7.16073
7.48690
7.78615
8.06069

0.05695
0.04965
0.04357
0.03843
0.03406

17.56029
20.14072
22.95338
26.01919
29.36092

4.15096
4.49102
4.81816
5.13262
5.43463

11
12
13
14
15

16
17
18
19
20

3.97031
4.32763
4.71712
5.14166
5.60441

0.25187
0.23107
0.21199
0.19449
0.17843

0.12030
0.11705
0.11421
0.11173
0.10955

8.31256
8.54363
8.75563
8.95011
9.12855

0.03030
0.02705
0.02421
0.02173
0.01955

33.00340
36.97370
41.30134
46.01846
51.16012

5.72446
6.00238
6.26865
6.52358
6.76745

16
17
18
19
20

21
22
23
24
25

6.10881
6.65860
7.25787
7.91108
8.62308

0.16370
0.15018
0.13778
0.12640
0.11597

0.10762
0.10590
0.10438
0.10302
0.10181

9.29224
9.44243
9.58021
9.70661
9.82258

0.01762
0.01590
0.01438
0.01302
0.01181

56.76453
62.87334
69.53194
76.78981
84.70090

7.00056
7.22322
7.43574
7.63843
7.83160

21
22
23
24
25

26
27
28
29
30

9.39916
10.24508
11.16714
12.17218
13.26768

0.10639
0.09761
0.08955
0.08215
0.07537

0.10072
0.09973
0.09885
0.09806
0.09734

9.92897
10.02658
10.11613
10.19828
10.27365

0.01072
0.00973
0.00885
0.00806
0.00734

93.32398
102.72313
112.96822
124.13536
136.30754

8.01556
8.19064
8.35714
8.51538
8.66566

26
27
28
29
30

31
32
33
34
35

14.46177
15.76333
17.18203
18.72841
20.41397

0.06915
0.06344
0.05820
0.05339
0.04899

0.09669
0.09610
0.09556
0.09508
0.09464

10.34280
10.40624
10.46444
10.51784
10.56682

0.00669
0.00610
0.00556
0.00508
0.00464

149.57522
164.03699
179.80032
196.98234
215.71075

8.80829
8.94358
9.07181
9.19329
9.30829

31
32
33
34
35

40
45
50
55
60

31.40942
48.32729
74.35752
114.40826
176.03129

0.03184
0.02069
0.01345
0.00874
0.00568

0.09296
0.09190
0.09123
0.09079
0.09051

10.75736
10.88120
10.96168
11.01399
11.04799

0.00296
0.00190
0.00123
0.00079
0.00051

337.88245
525.85873
815.08356
1260.09180
1944.79213

9.79573
10.16029
10.42952
10.62614
10.76832

40
45
50
55
60

65
70
75
80
85

270.84596
416.73009
641.19089
986.55167
1517.93203

0.00369
0.00240
0.00156
0.00101
0.00066

0.09033
0.09022
0.09014
0.09009
0.09006

11.07009
11.08445
11.09378
11.09985
11.10379

0.00033
0.00022
0.00014
0.00009
0.00006

2998.28847
4619.22318
7113.23215
10950.57409
16854.80033

10.87023
10.94273
10.99396
11.02994
11.05508

65
70
75
80
85

90
95
100

2335.52658
3593.49715
5529.04079

0.00043
0.00028
0.00018

0.09004
0.09003
0.09002

11.10635
11.10802
11.10910

0.00004
0.00003
0.00002

25939.18425
39916.63496
61422.67546

11.07256
11.08467
11.09302

90
95
100

10%

FACTORES DE INTERS DE 10% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,10,N)

(P/F,10,N)

(A/P,10,N)

(P/A,10,N)

(A/F,10,N)

(F/A,10,N)

(A/G,10,N)

1
2
3
4
5

1.10000
1.21000
1.33100
1.46410
1.61051

0.90909
0.82645
0.75131
0.68301
0.62092

1.10000
0.57619
0.40211
0.31547
0.26380

0.90909
1.73554
2.48685
3.16987
3.79079

1.00000
0.47619
0.30211
0.21547
0.16380

1.00000
2.10000
3.31000
4.64100
6.10510

0.00000
0.47619
0.93656
1.38117
1.81013

1
2
3
4
5

6
7
8
9
10

1.77156
1.94872
2.14359
2.35795
2.59374

0.56447
0.51316
0.46651
0.42410
0.38554

0.22961
0.20541
0.18744
0.17364
0.16275

4.35526
4.86842
5.33493
5.75902
6.14457

0.12961
0.10541
0.08744
0.07364
0.06275

7.71561
9.48717
11.43589
13.57948
15.93742

2.22356
2.62162
3.00448
3.37235
3.72546

6
7
8
9
10

11
12
13
14
15

2.85312
3.13843
3.45227
3.79750
4.17725

0.35049
0.31863
0.28966
0.26333
0.23939

0.15396
0.14676
0.14078
0.13575
0.13147

6.49506
6.81369
7.10336
7.36669
7.60608

0.05396
0.04676
0.04078
0.03575
0.03147

18.53117
21.38428
24.52271
27.97498
31.77248

4.06405
4.38840
4.69879
4.99553
5.27893

11
12
13
14
15

16
17
18
19
20

4.59497
5.05447
5.55992
6.11591
6.72750

0.21763
0.19784
0.17986
0.16351
0.14864

0.12782
0.12466
0.12193
0.11955
0.11746

7.82371
8.02155
8.20141
8.36492
8.51356

0.02782
0.02466
0.02193
0.01955
0.01746

35.94973
40.54470
45.59917
51.15909
57.27500

5.54934
5.80710
6.05256
6.28610
6.50808

16
17
18
19
20

21
22
23
24
25

7.40025
8.14027
8.95430
9.84973
10.83471

0.13513
0.12285
0.11168
0.10153
0.09230

0.11562
0.11401
0.11257
0.11130
0.11017

8.64869
8.77154
8.88322
8.98474
9.07704

0.01562
0.01401
0.01257
0.01130
0.01017

64.00250
71.40275
79.54302
88.49733
98.34706

6.71888
6.91889
7.10848
7.28805
7.45798

21
22
23
24
25

26
27
28
29
30

11.91818
13.10999
14.42099
15.86309
17.44940

0.08391
0.07628
0.06934
0.06304
0.05731

0.10916
0.10826
0.10745
0.10673
0.10608

9.16095
9.23722
9.30657
9.36961
9.42691

0.00916
0.00826
0.00745
0.00673
0.00608

109.18177
121.09994
134.20994
148.63093
164.49402

7.61865
7.77044
7.91372
8.04886
8.17623

26
27
28
29
30

31
32
33
34
35

19.19434
21.11378
23.22515
25.54767
28.10244

0.05210
0.04736
0.04306
0.03914
0.03558

0.10550
0.10497
0.10450
0.10407
0.10369

9.47901
9.52638
9.56943
9.60857
9.64416

0.00550
0.00497
0.00450
0.00407
0.00369

181.94342
201.13777
222.25154
245.47670
271.02437

8.29617
8.40905
8.51520
8.61494
8.70860

31
32
33
34
35

40
45
50
55
60

45.25926
72.89048
117.39085
189.05914
304.48164

0.02209
0.01372
0.00852
0.00529
0.00328

0.10226
0.10139
0.10086
0.10053
0.10033

9.77905
9.86281
9.91481
9.94711
9.96716

0.00226
0.00139
0.00086
0.00053
0.00033

442.59256
718.90484
1163.90853
1880.59142
3034.81640

9.09623
9.37405
9.57041
9.70754
9.80229

40
45
50
55
60

65
70
75
80
85

490.37073
789.74696
1271.89537
2048.40021
3298.96903

0.00204
0.00127
0.00079
0.00049
0.00030

0.10020
0.10013
0.10008
0.10005
0.10003

9.97961
9.98734
9.99214
9.99512
9.99697

0.00020
0.00013
0.00008
0.00005
0.00003

4893.70725
7887.46957
12708.95371
20474.00215
32979.69030

9.86718
9.91125
9.94099
9.96093
9.97423

65
70
75
80
85

90
95
100

5313.02261
8556.67605
13780.61234

0.00019
0.00012
0.00007

0.10002
0.10001
0.10001

9.99812
9.99883
9.99927

0.00002
0.00001
0.00001

53120.22612
85556.76047
137796.12340

9.98306
9.98890
9.99274

90
95
100

11%

FACTORES DE INTERS DE 11% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,11,N)

(P/F,11,N)

(A/P,11,N)

(P/A,11,N)

(A/F,11,N)

(F/A,11,N)

(A/G,11,N)

1
2
3
4
5

1.11000
1.23210
1.36763
1.51807
1.68506

0.90090
0.81162
0.73119
0.65873
0.59345

1.11000
0.58393
0.40921
0.32233
0.27057

0.90090
1.71252
2.44371
3.10245
3.69590

1.00000
0.47393
0.29921
0.21233
0.16057

1.00000
2.11000
3.34210
4.70973
6.22780

0.00000
0.47393
0.93055
1.36995
1.79226

1
2
3
4
5

6
7
8
9
10

1.87041
2.07616
2.30454
2.55804
2.83942

0.53464
0.48166
0.43393
0.39092
0.35218

0.23638
0.21222
0.19432
0.18060
0.16980

4.23054
4.71220
5.14612
5.53705
5.88923

0.12638
0.10222
0.08432
0.07060
0.05980

7.91286
9.78327
11.85943
14.16397
16.72201

2.19764
2.58630
2.95847
3.31441
3.65442

6
7
8
9
10

11
12
13
14
15

3.15176
3.49845
3.88328
4.31044
4.78459

0.31728
0.28584
0.25751
0.23199
0.20900

0.16112
0.15403
0.14815
0.14323
0.13907

6.20652
6.49236
6.74987
6.98187
7.19087

0.05112
0.04403
0.03815
0.03323
0.02907

19.56143
22.71319
26.21164
30.09492
34.40536

3.97881
4.28793
4.58216
4.86187
5.12747

11
12
13
14
15

16
17
18
19
20

5.31089
5.89509
6.54355
7.26334
8.06231

0.18829
0.16963
0.15282
0.13768
0.12403

0.13552
0.13247
0.12984
0.12756
0.12558

7.37916
7.54879
7.70162
7.83929
7.96333

0.02552
0.02247
0.01984
0.01756
0.01558

39.18995
44.50084
50.39594
56.93949
64.20283

5.37938
5.61804
5.84389
6.05739
6.25898

16
17
18
19
20

21
22
23
24
25

8.94917
9.93357
11.02627
12.23916
13.58546

0.11174
0.10067
0.09069
0.08170
0.07361

0.12384
0.12231
0.12097
0.11979
0.11874

8.07507
8.17574
8.26643
8.34814
8.42174

0.01384
0.01231
0.01097
0.00979
0.00874

72.26514
81.21431
91.14788
102.17415
114.41331

6.44912
6.62829
6.79693
6.95552
7.10449

21
22
23
24
25

26
27
28
29
30

15.07986
16.73865
18.57990
20.62369
22.89230

0.06631
0.05974
0.05382
0.04849
0.04368

0.11781
0.11699
0.11626
0.11561
0.11502

8.48806
8.54780
8.60162
8.65011
8.69379

0.00781
0.00699
0.00626
0.00561
0.00502

127.99877
143.07864
159.81729
178.39719
199.02088

7.24430
7.37539
7.49818
7.61310
7.72056

26
27
28
29
30

31
32
33
34
35

25.41045
28.20560
31.30821
34.75212
38.57485

0.03935
0.03545
0.03194
0.02878
0.02592

0.11451
0.11404
0.11363
0.11326
0.11293

8.73315
8.76860
8.80054
8.82932
8.85524

0.00451
0.00404
0.00363
0.00326
0.00293

221.91317
247.32362
275.52922
306.83744
341.58955

7.82096
7.91468
8.00210
8.08356
8.15944

31
32
33
34
35

40
45
50
55
60

65.00087
109.53024
184.56483
311.00247
524.05724

0.01538
0.00913
0.00542
0.00322
0.00191

0.11172
0.11101
0.11060
0.11035
0.11021

8.95105
9.00791
9.04165
9.06168
9.07356

0.00172
0.00101
0.00060
0.00035
0.00021

581.82607
986.63856
1668.77115
2818.20424
4755.06584

8.46592
8.67628
8.81853
8.91349
8.97620

40
45
50
55
60

65
70
75
80
85

883.06693
1488.01913
2507.39877
4225.11275
7119.56070

0.00113
0.00067
0.00040
0.00024
0.00014

0.11012
0.11007
0.11004
0.11003
0.11002

9.08061
9.08480
9.08728
9.08876
9.08963

0.00012
0.00007
0.00004
0.00003
0.00002

8018.79027
13518.35574
22785.44339
38401.02500
64714.18815

9.01722
9.04384
9.06099
9.07197
9.07897

65
70
75
80
85

90
95
100

11996.87381
20215.43005
34064.17527

0.00008
0.00005
0.00003

0.11001
0.11001
0.11000

9.09015
9.09046
9.09064

0.00001
0.00001
0.00000

109053.39829
183767.54594
309665.22972

9.08341
9.08621
9.08797

90
95
100

12%

FACTORES DE INTERS DE 12% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,12,N)

(P/F,12,N)

(A/P,12,N)

(P/A,12,N)

(A/F,12,N)

(F/A,12,N)

(A/G,12,N)

1
2
3
4
5

1.12000
1.25440
1.40493
1.57352
1.76234

0.89286
0.79719
0.71178
0.63552
0.56743

1.12000
0.59170
0.41635
0.32923
0.27741

0.89286
1.69005
2.40183
3.03735
3.60478

1.00000
0.47170
0.29635
0.20923
0.15741

1.00000
2.12000
3.37440
4.77933
6.35285

0.00000
0.47170
0.92461
1.35885
1.77459

1
2
3
4
5

6
7
8
9
10

1.97382
2.21068
2.47596
2.77308
3.10585

0.50663
0.45235
0.40388
0.36061
0.32197

0.24323
0.21912
0.20130
0.18768
0.17698

4.11141
4.56376
4.96764
5.32825
5.65022

0.12323
0.09912
0.08130
0.06768
0.05698

8.11519
10.08901
12.29969
14.77566
17.54874

2.17205
2.55147
2.91314
3.25742
3.58465

6
7
8
9
10

11
12
13
14
15

3.47855
3.89598
4.36349
4.88711
5.47357

0.28748
0.25668
0.22917
0.20462
0.18270

0.16842
0.16144
0.15568
0.15087
0.14682

5.93770
6.19437
6.42355
6.62817
6.81086

0.04842
0.04144
0.03568
0.03087
0.02682

20.65458
24.13313
28.02911
32.39260
37.27971

3.89525
4.18965
4.46830
4.73169
4.98030

11
12
13
14
15

16
17
18
19
20

6.13039
6.86604
7.68997
8.61276
9.64629

0.16312
0.14564
0.13004
0.11611
0.10367

0.14339
0.14046
0.13794
0.13576
0.13388

6.97399
7.11963
7.24967
7.36578
7.46944

0.02339
0.02046
0.01794
0.01576
0.01388

42.75328
48.88367
55.74971
63.43968
72.05244

5.21466
5.43530
5.64274
5.83752
6.02020

16
17
18
19
20

21
22
23
24
25

10.80385
12.10031
13.55235
15.17863
17.00006

0.09256
0.08264
0.07379
0.06588
0.05882

0.13224
0.13081
0.12956
0.12846
0.12750

7.56200
7.64465
7.71843
7.78432
7.84314

0.01224
0.01081
0.00956
0.00846
0.00750

81.69874
92.50258
104.60289
118.15524
133.33387

6.19132
6.35141
6.50101
6.64064
6.77084

21
22
23
24
25

26
27
28
29
30

19.04007
21.32488
23.88387
26.74993
29.95992

0.05252
0.04689
0.04187
0.03738
0.03338

0.12665
0.12590
0.12524
0.12466
0.12414

7.89566
7.94255
7.98442
8.02181
8.05518

0.00665
0.00590
0.00524
0.00466
0.00414

150.33393
169.37401
190.69889
214.58275
241.33268

6.89210
7.00491
7.10976
7.20712
7.29742

26
27
28
29
30

31
32
33
34
35

33.55511
37.58173
42.09153
47.14252
52.79962

0.02980
0.02661
0.02376
0.02121
0.01894

0.12369
0.12328
0.12292
0.12260
0.12232

8.08499
8.11159
8.13535
8.15656
8.17550

0.00369
0.00328
0.00292
0.00260
0.00232

271.29261
304.84772
342.42945
384.52098
431.66350

7.38110
7.45858
7.53025
7.59649
7.65765

31
32
33
34
35

40
45
50
55
60

93.05097
163.98760
289.00219
509.32061
897.59693

0.01075
0.00610
0.00346
0.00196
0.00111

0.12130
0.12074
0.12042
0.12024
0.12013

8.24378
8.28252
8.30450
8.31697
8.32405

0.00130
0.00074
0.00042
0.00024
0.00013

767.09142
1358.23003
2400.01825
4236.00505
7471.64111

7.89879
8.05724
8.15972
8.22513
8.26641

40
45
50
55
60

65
70
75
80
85

1581.87249
2787.79983
4913.05584
8658.48310
15259.20568

0.00063
0.00036
0.00020
0.00012
0.00007

0.12008
0.12004
0.12002
0.12001
0.12001

8.32807
8.33034
8.33164
8.33237
8.33279

0.00008
0.00004
0.00002
0.00001
0.00001

13173.93742
23223.33190
40933.79867
72145.69250
127151.71400

8.29222
8.30821
8.31806
8.32409
8.32776

65
70
75
80
85

90
95
100

26891.9342
47392.7766
83522.2657

0.00004
0.00002
0.00001

0.12000
0.12000
0.12000

8.33302
8.33316
8.33323

0.00000
0.00000
0.00000

224091.1185
394931.4719
696010.5477

8.32999
8.33133
8.33214

90
95
100

13%

FACTORES DE INTERS DE 13% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,13,N)

(P/F,13,N)

(A/P,13,N)

(P/A,13,N)

(A/F,13,N)

(F/A,13,N)

(A/G,13,N)

1
2
3
4
5

1.13000
1.27690
1.44290
1.63047
1.84244

0.88496
0.78315
0.69305
0.61332
0.54276

1.13000
0.59948
0.42352
0.33619
0.28431

0.88496
1.66810
2.36115
2.97447
3.51723

1.00000
0.46948
0.29352
0.20619
0.15431

1.00000
2.13000
3.40690
4.84980
6.48027

0.00000
0.46948
0.91872
1.34787
1.75713

1
2
3
4
5

6
7
8
9
10

2.08195
2.35261
2.65844
3.00404
3.39457

0.48032
0.42506
0.37616
0.33288
0.29459

0.25015
0.22611
0.20839
0.19487
0.18429

3.99755
4.42261
4.79877
5.13166
5.42624

0.12015
0.09611
0.07839
0.06487
0.05429

8.32271
10.40466
12.75726
15.41571
18.41975

2.14677
2.51711
2.86851
3.20138
3.51619

6
7
8
9
10

11
12
13
14
15

3.83586
4.33452
4.89801
5.53475
6.25427

0.26070
0.23071
0.20416
0.18068
0.15989

0.17584
0.16899
0.16335
0.15867
0.15474

5.68694
5.91765
6.12181
6.30249
6.46238

0.04584
0.03899
0.03335
0.02867
0.02474

21.81432
25.65018
29.98470
34.88271
40.41746

3.81342
4.09359
4.35727
4.60504
4.83749

11
12
13
14
15

16
17
18
19
20

7.06733
7.98608
9.02427
10.19742
11.52309

0.14150
0.12522
0.11081
0.09806
0.08678

0.15143
0.14861
0.14620
0.14413
0.14235

6.60388
6.72909
6.83991
6.93797
7.02475

0.02143
0.01861
0.01620
0.01413
0.01235

46.67173
53.73906
61.72514
70.74941
80.94683

5.05523
5.25890
5.44911
5.62651
5.79172

16
17
18
19
20

21
22
23
24
25

13.02109
14.71383
16.62663
18.78809
21.23054

0.07680
0.06796
0.06014
0.05323
0.04710

0.14081
0.13948
0.13832
0.13731
0.13643

7.10155
7.16951
7.22966
7.28288
7.32998

0.01081
0.00948
0.00832
0.00731
0.00643

92.46992
105.49101
120.20484
136.83147
155.61956

5.94538
6.08809
6.22046
6.34309
6.45655

21
22
23
24
25

26
27
28
29
30

23.99051
27.10928
30.63349
34.61584
39.11590

0.04168
0.03689
0.03264
0.02889
0.02557

0.13565
0.13498
0.13439
0.13387
0.13341

7.37167
7.40856
7.44120
7.47009
7.49565

0.00565
0.00498
0.00439
0.00387
0.00341

176.85010
200.84061
227.94989
258.58338
293.19922

6.56141
6.65819
6.74743
6.82962
6.90523

26
27
28
29
30

31
32
33
34
35

44.20096
49.94709
56.44021
63.77744
72.06851

0.02262
0.02002
0.01772
0.01568
0.01388

0.13301
0.13266
0.13234
0.13207
0.13183

7.51828
7.53830
7.55602
7.57170
7.58557

0.00301
0.00266
0.00234
0.00207
0.00183

332.31511
376.51608
426.46317
482.90338
546.68082

6.97473
7.03854
7.09707
7.15071
7.19983

31
32
33
34
35

40
45
50
55
60

132.78155
244.64140
450.73593
830.45173
1530.05347

0.00753
0.00409
0.00222
0.00120
0.00065

0.13099
0.13053
0.13029
0.13016
0.13009

7.63438
7.66086
7.67524
7.68304
7.68728

0.00099
0.00053
0.00029
0.00016
0.00009

1013.70424
1874.16463
3459.50712
6380.39789
11761.94979

7.38878
7.50761
7.58113
7.62600
7.65307

40
45
50
55
60

65
70
75
80
85

2819.02434
5193.86962
9569.36811
17630.94045
32483.86494

0.00035
0.00019
0.00010
0.00006
0.00003

0.13005
0.13003
0.13001
0.13001
0.13000

7.68958
7.69083
7.69150
7.69187
7.69207

0.00005
0.00003
0.00001
0.00001
0.00000

21677.11035
39945.15096
73602.83163
135614.92657
249868.19182

7.66924
7.67883
7.68447
7.68777
7.68969

65
70
75
80
85

90
95
100

59849.4155
110268.6686
203162.8742

0.00002
0.00001
0.00000

0.13000
0.13000
0.13000

7.69218
7.69224
7.69227

0.00000
0.00000
0.00000

460372.4271
848212.8355
1562783.6479

7.69080
7.69145
7.69182

90
95
100

14%

FACTORES DE INTERS DE 14% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,14,N)

(P/F,14,N)

(A/P,14,N)

(P/A,14,N)

(A/F,14,N)

(F/A,14,N)

(A/G,14,N)

1
2
3
4
5

1.14000
1.29960
1.48154
1.68896
1.92541

0.87719
0.76947
0.67497
0.59208
0.51937

1.14000
0.60729
0.43073
0.34320
0.29128

0.87719
1.64666
2.32163
2.91371
3.43308

1.00000
0.46729
0.29073
0.20320
0.15128

1.00000
2.14000
3.43960
4.92114
6.61010

0.00000
0.46729
0.91290
1.33701
1.73987

1
2
3
4
5

6
7
8
9
10

2.19497
2.50227
2.85259
3.25195
3.70722

0.45559
0.39964
0.35056
0.30751
0.26974

0.25716
0.23319
0.21557
0.20217
0.19171

3.88867
4.28830
4.63886
4.94637
5.21612

0.11716
0.09319
0.07557
0.06217
0.05171

8.53552
10.73049
13.23276
16.08535
19.33730

2.12182
2.48324
2.82457
3.14632
3.44903

6
7
8
9
10

11
12
13
14
15

4.22623
4.81790
5.49241
6.26135
7.13794

0.23662
0.20756
0.18207
0.15971
0.14010

0.18339
0.17667
0.17116
0.16661
0.16281

5.45273
5.66029
5.84236
6.00207
6.14217

0.04339
0.03667
0.03116
0.02661
0.02281

23.04452
27.27075
32.08865
37.58107
43.84241

3.73331
3.99977
4.24909
4.48194
4.69904

11
12
13
14
15

16
17
18
19
20

8.13725
9.27646
10.57517
12.05569
13.74349

0.12289
0.10780
0.09456
0.08295
0.07276

0.15962
0.15692
0.15462
0.15266
0.15099

6.26506
6.37286
6.46742
6.55037
6.62313

0.01962
0.01692
0.01462
0.01266
0.01099

50.98035
59.11760
68.39407
78.96923
91.02493

4.90110
5.08884
5.26299
5.42429
5.57343

16
17
18
19
20

21
22
23
24
25

15.66758
17.86104
20.36158
23.21221
26.46192

0.06383
0.05599
0.04911
0.04308
0.03779

0.14954
0.14830
0.14723
0.14630
0.14550

6.68696
6.74294
6.79206
6.83514
6.87293

0.00954
0.00830
0.00723
0.00630
0.00550

104.76842
120.43600
138.29704
158.65862
181.87083

5.71113
5.83807
5.95494
6.06237
6.16100

21
22
23
24
25

26
27
28
29
30

30.16658
34.38991
39.20449
44.69312
50.95016

0.03315
0.02908
0.02551
0.02237
0.01963

0.14480
0.14419
0.14366
0.14320
0.14280

6.90608
6.93515
6.96066
6.98304
7.00266

0.00480
0.00419
0.00366
0.00320
0.00280

208.33274
238.49933
272.88923
312.09373
356.78685

6.25143
6.33423
6.40996
6.47914
6.54226

26
27
28
29
30

31
32
33
34
35

58.08318
66.21483
75.48490
86.05279
98.10018

0.01722
0.01510
0.01325
0.01162
0.01019

0.14245
0.14215
0.14188
0.14165
0.14144

7.01988
7.03498
7.04823
7.05985
7.07005

0.00245
0.00215
0.00188
0.00165
0.00144

407.73701
465.82019
532.03501
607.51991
693.57270

6.59979
6.65217
6.69981
6.74311
6.78240

31
32
33
34
35

40
45
50
55
60

188.88351
363.67907
700.23299
1348.23881
2595.91866

0.00529
0.00275
0.00143
0.00074
0.00039

0.14075
0.14039
0.14020
0.14010
0.14005

7.10504
7.12322
7.13266
7.13756
7.14011

0.00075
0.00039
0.00020
0.00010
0.00005

1342.02510
2590.56480
4994.52135
9623.13434
18535.13328

6.92996
7.01878
7.07135
7.10203
7.11974

40
45
50
55
60

65
70
75
80
85

4998.21964
9623.64498
18529.5064
35676.9818
68692.9810

0.00020
0.00010
0.00005
0.00003
0.00001

0.14003
0.14001
0.14001
0.14000
0.14000

7.14143
7.14211
7.14247
7.14266
7.14275

0.00003
0.00001
0.00001
0.00000
0.00000

35694.42601
68733.17846
132346.4742
254828.4415
490657.0073

7.12985
7.13558
7.13881
7.14061
7.14162

65
70
75
80
85

90
95
100

132262.4674
254660.0834
490326.2381

0.00001
0.00000
0.00000

0.14000
0.14000
0.14000

7.14280
7.14283
7.14284

0.00000
0.00000
0.00000

944724.7670
1818993.4528
3502323.1295

7.14218
7.14248
7.14265

90
95
100

15%

FACTORES DE INTERS DE 15% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,15,N)

(P/F,15,N)

(A/P,15,N)

(P/A,15,N)

(A/F,15,N)

(F/A,15,N)

(A/G,15,N)

1
2
3
4
5

1.15000
1.32250
1.52088
1.74901
2.01136

0.86957
0.75614
0.65752
0.57175
0.49718

1.15000
0.61512
0.43798
0.35027
0.29832

0.86957
1.62571
2.28323
2.85498
3.35216

1.00000
0.46512
0.28798
0.20027
0.14832

1.00000
2.15000
3.47250
4.99338
6.74238

0.00000
0.46512
0.90713
1.32626
1.72281

1
2
3
4
5

6
7
8
9
10

2.31306
2.66002
3.05902
3.51788
4.04556

0.43233
0.37594
0.32690
0.28426
0.24718

0.26424
0.24036
0.22285
0.20957
0.19925

3.78448
4.16042
4.48732
4.77158
5.01877

0.11424
0.09036
0.07285
0.05957
0.04925

8.75374
11.06680
13.72682
16.78584
20.30372

2.09719
2.44985
2.78133
3.09223
3.38320

6
7
8
9
10

11
12
13
14
15

4.65239
5.35025
6.15279
7.07571
8.13706

0.21494
0.18691
0.16253
0.14133
0.12289

0.19107
0.18448
0.17911
0.17469
0.17102

5.23371
5.42062
5.58315
5.72448
5.84737

0.04107
0.03448
0.02911
0.02469
0.02102

24.34928
29.00167
34.35192
40.50471
47.58041

3.65494
3.90820
4.14376
4.36241
4.56496

11
12
13
14
15

16
17
18
19
20

9.35762
10.76126
12.37545
14.23177
16.36654

0.10686
0.09293
0.08081
0.07027
0.06110

0.16795
0.16537
0.16319
0.16134
0.15976

5.95423
6.04716
6.12797
6.19823
6.25933

0.01795
0.01537
0.01319
0.01134
0.00976

55.71747
65.07509
75.83636
88.21181
102.44358

4.75225
4.92509
5.08431
5.23073
5.36514

16
17
18
19
20

21
22
23
24
25

18.82152
21.64475
24.89146
28.62518
32.91895

0.05313
0.04620
0.04017
0.03493
0.03038

0.15842
0.15727
0.15628
0.15543
0.15470

6.31246
6.35866
6.39884
6.43377
6.46415

0.00842
0.00727
0.00628
0.00543
0.00470

118.81012
137.63164
159.27638
184.16784
212.79302

5.48832
5.60102
5.70398
5.79789
5.88343

21
22
23
24
25

26
27
28
29
30

37.85680
43.53531
50.06561
57.57545
66.21177

0.02642
0.02297
0.01997
0.01737
0.01510

0.15407
0.15353
0.15306
0.15265
0.15230

6.49056
6.51353
6.53351
6.55088
6.56598

0.00407
0.00353
0.00306
0.00265
0.00230

245.71197
283.56877
327.10408
377.16969
434.74515

5.96123
6.03190
6.09600
6.15408
6.20663

26
27
28
29
30

31
32
33
34
35

76.14354
87.56507
100.69983
115.80480
133.17552

0.01313
0.01142
0.00993
0.00864
0.00751

0.15200
0.15173
0.15150
0.15131
0.15113

6.57911
6.59053
6.60046
6.60910
6.61661

0.00200
0.00173
0.00150
0.00131
0.00113

500.95692
577.10046
664.66552
765.36535
881.17016

6.25412
6.29700
6.33567
6.37051
6.40187

31
32
33
34
35

40
45
50
55
60

267.86355
538.76927
1083.65744
2179.62218
4383.99875

0.00373
0.00186
0.00092
0.00046
0.00023

0.15056
0.15028
0.15014
0.15007
0.15003

6.64178
6.65429
6.66051
6.66361
6.66515

0.00056
0.00028
0.00014
0.00007
0.00003

1779.09031
3585.12846
7217.71628
14524.14789
29219.99164

6.51678
6.58299
6.62048
6.64142
6.65298

40
45
50
55
60

65
70
75
80
85

8817.78739
17735.72004
35672.8680
71750.8794
144316.6470

0.00011
0.00006
0.00003
0.00001
0.00001

0.15002
0.15001
0.15000
0.15000
0.15000

6.66591
6.66629
6.66648
6.66657
6.66662

0.00002
0.00001
0.00000
0.00000
0.00000

58778.58258
118231.46693
237812.4532
478332.5293
962104.3133

6.65929
6.66272
6.66456
6.66555
6.66608

65
70
75
80
85

90
95
100

290272.325
583841.328
1174313.451

0.00000
0.00000
0.00000

0.15000
0.15000
0.15000

6.66664
6.66666
6.66666

0.00000
0.00000
0.00000

1935142.168
3892268.851
7828749.671

6.66636
6.66650
6.66658

90
95
100

16%

FACTORES DE INTERS DE 16% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,16,N)

(P/F,16,N)

(A/P,16,N)

(P/A,16,N)

(A/F,16,N)

(F/A,16,N)

(A/G,16,N)

1
2
3
4
5

1.16000
1.34560
1.56090
1.81064
2.10034

0.86207
0.74316
0.64066
0.55229
0.47611

1.16000
0.62296
0.44526
0.35738
0.30541

0.86207
1.60523
2.24589
2.79818
3.27429

1.00000
0.46296
0.28526
0.19738
0.14541

1.00000
2.16000
3.50560
5.06650
6.87714

0.00000
0.46296
0.90141
1.31562
1.70596

1
2
3
4
5

6
7
8
9
10

2.43640
2.82622
3.27841
3.80296
4.41144

0.41044
0.35383
0.30503
0.26295
0.22668

0.27139
0.24761
0.23022
0.21708
0.20690

3.68474
4.03857
4.34359
4.60654
4.83323

0.11139
0.08761
0.07022
0.05708
0.04690

8.97748
11.41387
14.24009
17.51851
21.32147

2.07288
2.41695
2.73879
3.03911
3.31868

6
7
8
9
10

11
12
13
14
15

5.11726
5.93603
6.88579
7.98752
9.26552

0.19542
0.16846
0.14523
0.12520
0.10793

0.19886
0.19241
0.18718
0.18290
0.17936

5.02864
5.19711
5.34233
5.46753
5.57546

0.03886
0.03241
0.02718
0.02290
0.01936

25.73290
30.85017
36.78620
43.67199
51.65951

3.57832
3.81890
4.04129
4.24643
4.43523

11
12
13
14
15

16
17
18
19
20

10.74800
12.46768
14.46251
16.77652
19.46076

0.09304
0.08021
0.06914
0.05961
0.05139

0.17641
0.17395
0.17188
0.17014
0.16867

5.66850
5.74870
5.81785
5.87746
5.92884

0.01641
0.01395
0.01188
0.01014
0.00867

60.92503
71.67303
84.14072
98.60323
115.37975

4.60864
4.76757
4.91295
5.04568
5.16662

16
17
18
19
20

21
22
23
24
25

22.57448
26.18640
30.37622
35.23642
40.87424

0.04430
0.03819
0.03292
0.02838
0.02447

0.16742
0.16635
0.16545
0.16467
0.16401

5.97314
6.01133
6.04425
6.07263
6.09709

0.00742
0.00635
0.00545
0.00467
0.00401

134.84051
157.41499
183.60138
213.97761
249.21402

5.27663
5.37651
5.46705
5.54899
5.62303

21
22
23
24
25

26
27
28
29
30

47.41412
55.00038
63.80044
74.00851
85.84988

0.02109
0.01818
0.01567
0.01351
0.01165

0.16345
0.16296
0.16255
0.16219
0.16189

6.11818
6.13636
6.15204
6.16555
6.17720

0.00345
0.00296
0.00255
0.00219
0.00189

290.08827
337.50239
392.50277
456.30322
530.31173

5.68983
5.75000
5.80414
5.85279
5.89643

26
27
28
29
30

31
32
33
34
35

99.58586
115.51959
134.00273
155.44317
180.31407

0.01004
0.00866
0.00746
0.00643
0.00555

0.16162
0.16140
0.16120
0.16104
0.16089

6.18724
6.19590
6.20336
6.20979
6.21534

0.00162
0.00140
0.00120
0.00104
0.00089

616.16161
715.74746
831.26706
965.26979
1120.71295

5.93555
5.97057
6.00188
6.02985
6.05481

31
32
33
34
35

40
45
50
55
60

378.72116
795.44383
1670.70380
3509.04880
7370.20137

0.00264
0.00126
0.00060
0.00028
0.00014

0.16042
0.16020
0.16010
0.16005
0.16002

6.23350
6.24214
6.24626
6.24822
6.24915

0.00042
0.00020
0.00010
0.00005
0.00002

2360.75724
4965.27391
10435.64877
21925.30498
46057.50853

6.14410
6.19336
6.22005
6.23432
6.24186

40
45
50
55
60

65
70
75
80
85

15479.9410
32513.1648
68288.7545
143429.7159
301251.4072

0.00006
0.00003
0.00001
0.00001
0.00000

0.16001
0.16000
0.16000
0.16000
0.16000

6.24960
6.24981
6.24991
6.24996
6.24998

0.00001
0.00000
0.00000
0.00000
0.00000

96743.3810
203201.0302
426798.4658
896429.4743
1882815.0451

6.24580
6.24785
6.24890
6.24944
6.24972

65
70
75
80
85

90
95
100

632730.880
1328951.025
2791251.199

0.00000
0.00000
0.00000

0.16000
0.16000
0.16000

6.24999
6.25000
6.25000

0.00000
0.00000
0.00000

3954561.750
8305937.658
17445313.746

6.24986
6.24993
6.24996

90
95
100

17%

FACTORES DE INTERS DE 17% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,17,N)

(P/F,17,N)

(A/P,17,N)

(P/A,17,N)

(A/F,17,N)

(F/A,17,N)

(A/G,17,N)

1
2
3
4
5

1.17000
1.36890
1.60161
1.87389
2.19245

0.85470
0.73051
0.62437
0.53365
0.45611

1.17000
0.63083
0.45257
0.36453
0.31256

0.85470
1.58521
2.20958
2.74324
3.19935

1.00000
0.46083
0.28257
0.19453
0.14256

1.00000
2.17000
3.53890
5.14051
7.01440

0.00000
0.46083
0.89576
1.30510
1.68930

1
2
3
4
5

6
7
8
9
10

2.56516
3.00124
3.51145
4.10840
4.80683

0.38984
0.33320
0.28478
0.24340
0.20804

0.27861
0.25495
0.23769
0.22469
0.21466

3.58918
3.92238
4.20716
4.45057
4.65860

0.10861
0.08495
0.06769
0.05469
0.04466

9.20685
11.77201
14.77325
18.28471
22.39311

2.04889
2.38453
2.69695
2.98697
3.25549

6
7
8
9
10

11
12
13
14
15

5.62399
6.58007
7.69868
9.00745
10.53872

0.17781
0.15197
0.12989
0.11102
0.09489

0.20676
0.20047
0.19538
0.19123
0.18782

4.83641
4.98839
5.11828
5.22930
5.32419

0.03676
0.03047
0.02538
0.02123
0.01782

27.19994
32.82393
39.40399
47.10267
56.11013

3.50345
3.73184
3.94167
4.13398
4.30982

11
12
13
14
15

16
17
18
19
20

12.33030
14.42646
16.87895
19.74838
23.10560

0.08110
0.06932
0.05925
0.05064
0.04328

0.18500
0.18266
0.18071
0.17907
0.17769

5.40529
5.47461
5.53385
5.58449
5.62777

0.01500
0.01266
0.01071
0.00907
0.00769

66.64885
78.97915
93.40561
110.28456
130.03294

4.47021
4.61620
4.74878
4.86893
4.97760

16
17
18
19
20

21
22
23
24
25

27.03355
31.62925
37.00623
43.29729
50.65783

0.03699
0.03162
0.02702
0.02310
0.01974

0.17653
0.17555
0.17472
0.17402
0.17342

5.66476
5.69637
5.72340
5.74649
5.76623

0.00653
0.00555
0.00472
0.00402
0.00342

153.13854
180.17209
211.80134
248.80757
292.10486

5.07570
5.16409
5.24357
5.31494
5.37891

21
22
23
24
25

26
27
28
29
30

59.26966
69.34550
81.13423
94.92705
111.06465

0.01687
0.01442
0.01233
0.01053
0.00900

0.17292
0.17249
0.17212
0.17181
0.17154

5.78311
5.79753
5.80985
5.82039
5.82939

0.00292
0.00249
0.00212
0.00181
0.00154

342.76268
402.03234
471.37783
552.51207
647.43912

5.43615
5.48730
5.53294
5.57360
5.60979

26
27
28
29
30

31
32
33
34
35

129.94564
152.03640
177.88259
208.12263
243.50347

0.00770
0.00658
0.00562
0.00480
0.00411

0.17132
0.17113
0.17096
0.17082
0.17070

5.83709
5.84366
5.84928
5.85409
5.85820

0.00132
0.00113
0.00096
0.00082
0.00070

758.50377
888.44941
1040.48581
1218.36839
1426.49102

5.64194
5.67048
5.69579
5.71820
5.73803

31
32
33
34
35

40
45
50
55
60

533.86871
1170.47941
2566.21528
5626.29366
12335.35648

0.00187
0.00085
0.00039
0.00018
0.00008

0.17032
0.17015
0.17007
0.17003
0.17001

5.87133
5.87733
5.88006
5.88131
5.88188

0.00032
0.00015
0.00007
0.00003
0.00001

3134.52184
6879.29065
15089.50167
33089.96270
72555.03813

5.80729
5.84387
5.86286
5.87258
5.87749

40
45
50
55
60

65
70
75
80
85

27044.6281
59293.9417
129998.8861
285015.8024
624882.3361

0.00004
0.00002
0.00001
0.00000
0.00000

0.17001
0.17000
0.17000
0.17000
0.17000

5.88214
5.88225
5.88231
5.88233
5.88234

0.00001
0.00000
0.00000
0.00000
0.00000

159080.1652
348782.0102
764693.4475
1676557.6612
3675772.5655

5.87995
5.88117
5.88178
5.88207
5.88222

65
70
75
80
85

90
95
100

1370022.050
3003702.153
6585460.886

0.00000
0.00000
0.00000

0.17000
0.17000
0.17000

5.88235
5.88235
5.88235

0.00000
0.00000
0.00000

8058947.355
17668830.314
38737999.328

5.88229
5.88232
5.88234

90
95
100

18%

FACTORES DE INTERS DE 18% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,18,N)

(P/F,18,N)

(A/P,18,N)

(P/A,18,N)

(A/F,18,N)

(F/A,18,N)

(A/G,18,N)

1
2
3
4
5

1.18000
1.39240
1.64303
1.93878
2.28776

0.84746
0.71818
0.60863
0.51579
0.43711

1.18000
0.63872
0.45992
0.37174
0.31978

0.84746
1.56564
2.17427
2.69006
3.12717

1.00000
0.45872
0.27992
0.19174
0.13978

1.00000
2.18000
3.57240
5.21543
7.15421

0.00000
0.45872
0.89016
1.29470
1.67284

1
2
3
4
5

6
7
8
9
10

2.69955
3.18547
3.75886
4.43545
5.23384

0.37043
0.31393
0.26604
0.22546
0.19106

0.28591
0.26236
0.24524
0.23239
0.22251

3.49760
3.81153
4.07757
4.30302
4.49409

0.10591
0.08236
0.06524
0.05239
0.04251

9.44197
12.14152
15.32700
19.08585
23.52131

2.02522
2.35259
2.65581
2.93581
3.19363

6
7
8
9
10

11
12
13
14
15

6.17593
7.28759
8.59936
10.14724
11.97375

0.16192
0.13722
0.11629
0.09855
0.08352

0.21478
0.20863
0.20369
0.19968
0.19640

4.65601
4.79322
4.90951
5.00806
5.09158

0.03478
0.02863
0.02369
0.01968
0.01640

28.75514
34.93107
42.21866
50.81802
60.96527

3.43033
3.64703
3.84489
4.02504
4.18866

11
12
13
14
15

16
17
18
19
20

14.12902
16.67225
19.67325
23.21444
27.39303

0.07078
0.05998
0.05083
0.04308
0.03651

0.19371
0.19149
0.18964
0.18810
0.18682

5.16235
5.22233
5.27316
5.31624
5.35275

0.01371
0.01149
0.00964
0.00810
0.00682

72.93901
87.06804
103.74028
123.41353
146.62797

4.33688
4.47084
4.59161
4.70026
4.79778

16
17
18
19
20

21
22
23
24
25

32.32378
38.14206
45.00763
53.10901
62.66863

0.03094
0.02622
0.02222
0.01883
0.01596

0.18575
0.18485
0.18409
0.18345
0.18292

5.38368
5.40990
5.43212
5.45095
5.46691

0.00575
0.00485
0.00409
0.00345
0.00292

174.02100
206.34479
244.48685
289.49448
342.60349

4.88514
4.96324
5.03292
5.09498
5.15016

21
22
23
24
25

26
27
28
29
30

73.94898
87.25980
102.96656
121.50054
143.37064

0.01352
0.01146
0.00971
0.00823
0.00697

0.18247
0.18209
0.18177
0.18149
0.18126

5.48043
5.49189
5.50160
5.50983
5.51681

0.00247
0.00209
0.00177
0.00149
0.00126

405.27211
479.22109
566.48089
669.44745
790.94799

5.19914
5.24255
5.28096
5.31489
5.34484

26
27
28
29
30

31
32
33
34
35

169.17735
199.62928
235.56255
277.96381
327.99729

0.00591
0.00501
0.00425
0.00360
0.00305

0.18107
0.18091
0.18077
0.18065
0.18055

5.52272
5.52773
5.53197
5.53557
5.53862

0.00107
0.00091
0.00077
0.00065
0.00055

934.31863
1103.49598
1303.12526
1538.68781
1816.65161

5.37123
5.39445
5.41487
5.43280
5.44852

31
32
33
34
35

40
45
50
55
60

750.37834
1716.68388
3927.35686
8984.84112
20555.13997

0.00133
0.00058
0.00025
0.00011
0.00005

0.18024
0.18010
0.18005
0.18002
0.18001

5.54815
5.55232
5.55414
5.55494
5.55529

0.00024
0.00010
0.00005
0.00002
0.00001

4163.21303
9531.57711
21813.09367
49910.22844
114189.66648

5.50218
5.52933
5.54282
5.54943
5.55264

40
45
50
55
60

65
70
75
80
85

47025.1809
107582.2224
246122.0637
563067.6604
1288162.4077

0.00002
0.00001
0.00000
0.00000
0.00000

0.18000
0.18000
0.18000
0.18000
0.18000

5.55544
5.55550
5.55553
5.55555
5.55555

0.00000
0.00000
0.00000
0.00000
0.00000

261245.4494
597673.4576
1367339.2429
3128148.1133
7156452.2647

5.55417
5.55490
5.55525
5.55541
5.55549

65
70
75
80
85

90
95
100

2947003.540
6742030.208
15424131.905

0.00000
0.00000
0.00000

0.18000
0.18000
0.18000

5.55555
5.55555
5.55556

0.00000
0.00000
0.00000

16372236.334
37455717.823
85689616.141

5.55553
5.55554
5.55555

90
95
100

19%

FACTORES DE INTERS DE 19% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,19,N)

(P/F,19,N)

(A/P,19,N)

(P/A,19,N)

(A/F,19,N)

(F/A,19,N)

(A/G,19,N)

1
2
3
4
5

1.19000
1.41610
1.68516
2.00534
2.38635

0.84034
0.70616
0.59342
0.49867
0.41905

1.19000
0.64662
0.46731
0.37899
0.32705

0.84034
1.54650
2.13992
2.63859
3.05763

1.00000
0.45662
0.27731
0.18899
0.13705

1.00000
2.19000
3.60610
5.29126
7.29660

0.00000
0.45662
0.88461
1.28440
1.65657

1
2
3
4
5

6
7
8
9
10

2.83976
3.37932
4.02139
4.78545
5.69468

0.35214
0.29592
0.24867
0.20897
0.17560

0.29327
0.26985
0.25289
0.24019
0.23047

3.40978
3.70570
3.95437
4.16333
4.33893

0.10327
0.07985
0.06289
0.05019
0.04047

9.68295
12.52271
15.90203
19.92341
24.70886

2.00186
2.32114
2.61537
2.88563
3.13309

6
7
8
9
10

11
12
13
14
15

6.77667
8.06424
9.59645
11.41977
13.58953

0.14757
0.12400
0.10421
0.08757
0.07359

0.22289
0.21690
0.21210
0.20823
0.20509

4.48650
4.61050
4.71471
4.80228
4.87586

0.03289
0.02690
0.02210
0.01823
0.01509

30.40355
37.18022
45.24446
54.84091
66.26068

3.35895
3.56446
3.75091
3.91956
4.07169

11
12
13
14
15

16
17
18
19
20

16.17154
19.24413
22.90052
27.25162
32.42942

0.06184
0.05196
0.04367
0.03670
0.03084

0.20252
0.20041
0.19868
0.19724
0.19605

4.93770
4.98966
5.03333
5.07003
5.10086

0.01252
0.01041
0.00868
0.00724
0.00605

79.85021
96.02175
115.26588
138.16640
165.41802

4.20855
4.33135
4.44126
4.53939
4.62681

16
17
18
19
20

21
22
23
24
25

38.59101
45.92331
54.64873
65.03199
77.38807

0.02591
0.02178
0.01830
0.01538
0.01292

0.19505
0.19423
0.19354
0.19297
0.19249

5.12677
5.14855
5.16685
5.18223
5.19515

0.00505
0.00423
0.00354
0.00297
0.00249

197.84744
236.43846
282.36176
337.01050
402.04249

4.70451
4.77343
4.83444
4.88835
4.93588

21
22
23
24
25

26
27
28
29
30

92.09181
109.58925
130.41121
155.18934
184.67531

0.01086
0.00912
0.00767
0.00644
0.00541

0.19209
0.19175
0.19147
0.19123
0.19103

5.20601
5.21513
5.22280
5.22924
5.23466

0.00209
0.00175
0.00147
0.00123
0.00103

479.43056
571.52237
681.11162
811.52283
966.71217

4.97773
5.01451
5.04679
5.07508
5.09983

26
27
28
29
30

31
32
33
34
35

219.76362
261.51871
311.20726
370.33664
440.70061

0.00455
0.00382
0.00321
0.00270
0.00227

0.19087
0.19073
0.19061
0.19051
0.19043

5.23921
5.24303
5.24625
5.24895
5.25122

0.00087
0.00073
0.00061
0.00051
0.00043

1151.38748
1371.15110
1632.66981
1943.87708
2314.21372

5.12145
5.14033
5.15678
5.17110
5.18356

31
32
33
34
35

40
45
50
55
60

1051.66751
2509.65060
5988.91390
14291.66661
34104.97092

0.00095
0.00040
0.00017
0.00007
0.00003

0.19018
0.19008
0.19003
0.19001
0.19001

5.25815
5.26106
5.26228
5.26279
5.26300

0.00018
0.00008
0.00003
0.00001
0.00001

5529.82898
13203.42423
31515.33633
75214.03479
179494.58379

5.22509
5.24522
5.25481
5.25931
5.26140

40
45
50
55
60

65
70
75
80
85

81386.522
194217.025
463470.509
1106004.544
2639317.992

0.00001
0.00001
0.00000
0.00000
0.00000

0.19000
0.19000
0.19000
0.19000
0.19000

5.26309
5.26313
5.26315
5.26315
5.26316

0.00000
0.00000
0.00000
0.00000
0.00000

428344.854
1022189.606
2439313.203
5821071.286
13891142.065

5.26236
5.26280
5.26300
5.26309
5.26313

65
70
75
80
85

90
95
100

6298346.15
15030081.39
35867089.73

0.00000
0.00000
0.00000

0.19000
0.19000
0.19000

5.26316
5.26316
5.26316

0.00000
0.00000
0.00000

33149185.00
79105686.25
188774151.20

5.26314
5.26315
5.26316

90
95
100

20%

FACTORES DE INTERS DE 20% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,20,N)

(P/F,20,N)

(A/P,20,N)

(P/A,20,N)

(A/F,20,N)

(F/A,20,N)

(A/G,20,N)

1
2
3
4
5

1.20000
1.44000
1.72800
2.07360
2.48832

0.83333
0.69444
0.57870
0.48225
0.40188

1.20000
0.65455
0.47473
0.38629
0.33438

0.83333
1.52778
2.10648
2.58873
2.99061

1.00000
0.45455
0.27473
0.18629
0.13438

1.00000
2.20000
3.64000
5.36800
7.44160

0.00000
0.45455
0.87912
1.27422
1.64051

1
2
3
4
5

6
7
8
9
10

2.98598
3.58318
4.29982
5.15978
6.19174

0.33490
0.27908
0.23257
0.19381
0.16151

0.30071
0.27742
0.26061
0.24808
0.23852

3.32551
3.60459
3.83716
4.03097
4.19247

0.10071
0.07742
0.06061
0.04808
0.03852

9.92992
12.91590
16.49908
20.79890
25.95868

1.97883
2.29016
2.57562
2.83642
3.07386

6
7
8
9
10

11
12
13
14
15

7.43008
8.91610
10.69932
12.83918
15.40702

0.13459
0.11216
0.09346
0.07789
0.06491

0.23110
0.22526
0.22062
0.21689
0.21388

4.32706
4.43922
4.53268
4.61057
4.67547

0.03110
0.02526
0.02062
0.01689
0.01388

32.15042
39.58050
48.49660
59.19592
72.03511

3.28929
3.48410
3.65970
3.81749
3.95884

11
12
13
14
15

16
17
18
19
20

18.48843
22.18611
26.62333
31.94800
38.33760

0.05409
0.04507
0.03756
0.03130
0.02608

0.21144
0.20944
0.20781
0.20646
0.20536

4.72956
4.77463
4.81219
4.84350
4.86958

0.01144
0.00944
0.00781
0.00646
0.00536

87.44213
105.93056
128.11667
154.74000
186.68800

4.08511
4.19759
4.29752
4.38607
4.46435

16
17
18
19
20

21
22
23
24
25

46.00512
55.20614
66.24737
79.49685
95.39622

0.02174
0.01811
0.01509
0.01258
0.01048

0.20444
0.20369
0.20307
0.20255
0.20212

4.89132
4.90943
4.92453
4.93710
4.94759

0.00444
0.00369
0.00307
0.00255
0.00212

225.02560
271.03072
326.23686
392.48424
471.98108

4.53339
4.59414
4.64750
4.69426
4.73516

21
22
23
24
25

26
27
28
29
30

114.47546
137.37055
164.84466
197.81359
237.37631

0.00874
0.00728
0.00607
0.00506
0.00421

0.20176
0.20147
0.20122
0.20102
0.20085

4.95632
4.96360
4.96967
4.97472
4.97894

0.00176
0.00147
0.00122
0.00102
0.00085

567.37730
681.85276
819.22331
984.06797
1181.88157

4.77088
4.80201
4.82911
4.85265
4.87308

26
27
28
29
30

31
32
33
34
35

284.85158
341.82189
410.18627
492.22352
590.66823

0.00351
0.00293
0.00244
0.00203
0.00169

0.20070
0.20059
0.20049
0.20041
0.20034

4.98245
4.98537
4.98781
4.98984
4.99154

0.00070
0.00059
0.00049
0.00041
0.00034

1419.25788
1704.10946
2045.93135
2456.11762
2948.34115

4.89079
4.90611
4.91935
4.93079
4.94064

31
32
33
34
35

40
45
50
55
60

1469.77157
3657.26199
9100.43815
22644.8023
56347.5144

0.00068
0.00027
0.00011
0.00004
0.00002

0.20014
0.20005
0.20002
0.20001
0.20000

4.99660
4.99863
4.99945
4.99978
4.99991

0.00014
0.00005
0.00002
0.00001
0.00000

7343.85784
18281.30994
45497.19075
113219.0113
281732.5718

4.97277
4.98769
4.99451
4.99757
4.99894

40
45
50
55
60

65
70
75
80
85

140210.647
348888.957
868147.369
2160228.462
5375339.687

0.00001
0.00000
0.00000
0.00000
0.00000

0.20000
0.20000
0.20000
0.20000
0.20000

4.99996
4.99999
4.99999
5.00000
5.00000

0.00000
0.00000
0.00000
0.00000
0.00000

701048.235
1744439.785
4340731.847
10801137.310
26876693.433

4.99954
4.99980
4.99991
4.99996
4.99998

65
70
75
80
85

25%

FACTORES DE INTERS DE 25% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,25,N)

(P/F,25,N)

(A/P,25,N)

(P/A,25,N)

(A/F,25,N)

(F/A,25,N)

(A/G,25,N)

1
2
3
4
5

1.25000
1.56250
1.95313
2.44141
3.05176

0.80000
0.64000
0.51200
0.40960
0.32768

1.25000
0.69444
0.51230
0.42344
0.37185

0.80000
1.44000
1.95200
2.36160
2.68928

1.00000
0.44444
0.26230
0.17344
0.12185

1.00000
2.25000
3.81250
5.76563
8.20703

0.00000
0.44444
0.85246
1.22493
1.56307

1
2
3
4
5

6
7
8
9
10

3.81470
4.76837
5.96046
7.45058
9.31323

0.26214
0.20972
0.16777
0.13422
0.10737

0.33882
0.31634
0.30040
0.28876
0.28007

2.95142
3.16114
3.32891
3.46313
3.57050

0.08882
0.06634
0.05040
0.03876
0.03007

11.25879
15.07349
19.84186
25.80232
33.25290

1.86833
2.14243
2.38725
2.60478
2.79710

6
7
8
9
10

11
12
13
14
15

11.64153
14.55192
18.18989
22.73737
28.42171

0.08590
0.06872
0.05498
0.04398
0.03518

0.27349
0.26845
0.26454
0.26150
0.25912

3.65640
3.72512
3.78010
3.82408
3.85926

0.02349
0.01845
0.01454
0.01150
0.00912

42.56613
54.20766
68.75958
86.94947
109.68684

2.96631
3.11452
3.24374
3.35595
3.45299

11
12
13
14
15

16
17
18
19
20

35.52714
44.40892
55.51115
69.38894
86.73617

0.02815
0.02252
0.01801
0.01441
0.01153

0.25724
0.25576
0.25459
0.25366
0.25292

3.88741
3.90993
3.92794
3.94235
3.95388

0.00724
0.00576
0.00459
0.00366
0.00292

138.10855
173.63568
218.04460
273.55576
342.94470

3.53660
3.60838
3.66979
3.72218
3.76673

16
17
18
19
20

21
22
23
24
25

108.42022
135.52527
169.40659
211.75824
264.69780

0.00922
0.00738
0.00590
0.00472
0.00378

0.25233
0.25186
0.25148
0.25119
0.25095

3.96311
3.97049
3.97639
3.98111
3.98489

0.00233
0.00186
0.00148
0.00119
0.00095

429.68087
538.10109
673.62636
843.03295
1054.79118

3.80451
3.83646
3.86343
3.88613
3.90519

21
22
23
24
25

26
27
28
29
30

330.87225
413.59031
516.98788
646.23485
807.79357

0.00302
0.00242
0.00193
0.00155
0.00124

0.25076
0.25061
0.25048
0.25039
0.25031

3.98791
3.99033
3.99226
3.99381
3.99505

0.00076
0.00061
0.00048
0.00039
0.00031

1319.48898
1650.36123
2063.95153
2580.93941
3227.17427

3.92118
3.93456
3.94574
3.95506
3.96282

26
27
28
29
30

31
32
33
34
35

1009.7420
1262.1774
1577.7218
1972.1523
2465.1903

0.00099
0.00079
0.00063
0.00051
0.00041

0.25025
0.25020
0.25016
0.25013
0.25010

3.99604
3.99683
3.99746
3.99797
3.99838

0.00025
0.00020
0.00016
0.00013
0.00010

4034.9678
5044.7098
6306.8872
7884.6091
9856.7613

3.96927
3.97463
3.97907
3.98275
3.98580

31
32
33
34
35

40
45
50
55
60

7523.1638
22958.8740
70064.9232
213821.1768
652530.4468

0.00013
0.00004
0.00001
0.00000
0.00000

0.25003
0.25001
0.25000
0.25000
0.25000

3.99947
3.99983
3.99994
3.99998
3.99999

0.00003
0.00001
0.00000
0.00000
0.00000

30088.6554
91831.4962
280255.6929
855280.7072
2610117.7872

3.99468
3.99804
3.99929
3.99974
3.99991

40
45
50
55
60

65
70
75

1991364.89
6077163.36
18546030.75

0.00000
0.00000
0.00000

0.25000
0.25000
0.25000

4.00000
4.00000
4.00000

0.00000
0.00000
0.00000

7965455.56
24308649.43
74184119.01

3.99997
3.99999
4.00000

65
70
75

80
85

56597994.24
172723371.10

0.00000
0.00000

0.25000
0.25000

4.00000
4.00000

0.00000
0.00000

226391972.97
690893480.41

4.00000
4.00000

80
85

30%

FACTORES DE INTERS DE 30% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,30,N)

(P/F,30,N)

(A/P,30,N)

(P/A,30,N)

(A/F,30,N)

(F/A,30,N)

(A/G,30,N)

1
2
3
4
5

1.30000
1.69000
2.19700
2.85610
3.71293

0.76923
0.59172
0.45517
0.35013
0.26933

1.30000
0.73478
0.55063
0.46163
0.41058

0.76923
1.36095
1.81611
2.16624
2.43557

1.00000
0.43478
0.25063
0.16163
0.11058

1.00000
2.30000
3.99000
6.18700
9.04310

0.00000
0.43478
0.82707
1.17828
1.49031

1
2
3
4
5

6
7
8
9
10

4.82681
6.27485
8.15731
10.60450
13.78585

0.20718
0.15937
0.12259
0.09430
0.07254

0.37839
0.35687
0.34192
0.33124
0.32346

2.64275
2.80211
2.92470
3.01900
3.09154

0.07839
0.05687
0.04192
0.03124
0.02346

12.75603
17.58284
23.85769
32.01500
42.61950

1.76545
2.00628
2.21559
2.39627
2.55122

6
7
8
9
10

11
12
13
14
15

17.92160
23.29809
30.28751
39.37376
51.18589

0.05580
0.04292
0.03302
0.02540
0.01954

0.31773
0.31345
0.31024
0.30782
0.30598

3.14734
3.19026
3.22328
3.24867
3.26821

0.01773
0.01345
0.01024
0.00782
0.00598

56.40535
74.32695
97.62504
127.91255
167.28631

2.68328
2.79517
2.88946
2.96850
3.03444

11
12
13
14
15

16
17
18
19
20

66.54166
86.50416
112.45541
146.19203
190.04964

0.01503
0.01156
0.00889
0.00684
0.00526

0.30458
0.30351
0.30269
0.30207
0.30159

3.28324
3.29480
3.30369
3.31053
3.31579

0.00458
0.00351
0.00269
0.00207
0.00159

218.47220
285.01386
371.51802
483.97343
630.16546

3.08921
3.13451
3.17183
3.20247
3.22754

16
17
18
19
20

21
22
23
24
25

247.0645
321.1839
417.5391
542.8008
705.6410

0.00405
0.00311
0.00239
0.00184
0.00142

0.30122
0.30094
0.30072
0.30055
0.30043

3.31984
3.32296
3.32535
3.32719
3.32861

0.00122
0.00094
0.00072
0.00055
0.00043

820.2151
1067.2796
1388.4635
1806.0026
2348.8033

3.24799
3.26462
3.27812
3.28904
3.29785

21
22
23
24
25

26
27
28
29
30

917.3333
1192.5333
1550.2933
2015.3813
2619.9956

0.00109
0.00084
0.00065
0.00050
0.00038

0.30033
0.30025
0.30019
0.30015
0.30011

3.32970
3.33054
3.33118
3.33168
3.33206

0.00033
0.00025
0.00019
0.00015
0.00011

3054.4443
3971.7776
5164.3109
6714.6042
8729.9855

3.30496
3.31067
3.31526
3.31894
3.32188

26
27
28
29
30

31
32
33
34
35

3405.9943
4427.7926
5756.1304
7482.9696
9727.8604

0.00029
0.00023
0.00017
0.00013
0.00010

0.30009
0.30007
0.30005
0.30004
0.30003

3.33235
3.33258
3.33275
3.33289
3.33299

0.00009
0.00007
0.00005
0.00004
0.00003

11349.9811
14755.9755
19183.7681
24939.8985
32422.8681

3.32423
3.32610
3.32760
3.32879
3.32974

31
32
33
34
35

40
45
50
55
60

36118.8648
134106.8167
497929.2230
1848776.3499
6864377.1727

0.00003
0.00001
0.00000
0.00000
0.00000

0.30001
0.30000
0.30000
0.30000
0.30000

3.33324
3.33331
3.33333
3.33333
3.33333

0.00001
0.00000
0.00000
0.00000
0.00000

120392.8827
447019.3890
1659760.7433
6162584.4996
22881253.9091

3.33223
3.33300
3.33323
3.33330
3.33332

40
45
50
55
60

65
70
75
80
85

25486951.94
94631268.45
351359275.57
1304572395.05
4843785982.76

0.00000
0.00000
0.00000
0.00000
0.00000

0.30000
0.30000
0.30000
0.30000
0.30000

3.33333
3.33333
3.33333
3.33333
3.33333

0.00000
0.00000
0.00000
0.00000
0.00000

84956503.12
315437558.17
1171197581.91
4348574646.84
16145953272.53

3.33333
3.33333
3.33333
3.33333
3.33333

65
70
75
80
85

35%

FACTORES DE INTERS DE 35% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,35,N)

(P/F,35,N)

(A/P,35,N)

(P/A,35,N)

(A/F,35,N)

(F/A,35,N)

(A/G,35,N)

1
2
3
4
5

1.35000
1.82250
2.46038
3.32151
4.48403

0.74074
0.54870
0.40644
0.30107
0.22301

1.35000
0.77553
0.58966
0.50076
0.45046

0.74074
1.28944
1.69588
1.99695
2.21996

1.00000
0.42553
0.23966
0.15076
0.10046

1.00000
2.35000
4.17250
6.63288
9.95438

0.00000
0.42553
0.80288
1.13412
1.42202

1
2
3
4
5

6
7
8
9
10

6.05345
8.17215
11.03240
14.89375
20.10656

0.16520
0.12237
0.09064
0.06714
0.04974

0.41926
0.39880
0.38489
0.37519
0.36832

2.38516
2.50752
2.59817
2.66531
2.71504

0.06926
0.04880
0.03489
0.02519
0.01832

14.43841
20.49186
28.66401
39.69641
54.59016

1.66983
1.88115
2.05973
2.20937
2.33376

6
7
8
9
10

11
12
13
14
15

27.14385
36.64420
49.46967
66.78405
90.15847

0.03684
0.02729
0.02021
0.01497
0.01109

0.36339
0.35982
0.35722
0.35532
0.35393

2.75188
2.77917
2.79939
2.81436
2.82545

0.01339
0.00982
0.00722
0.00532
0.00393

74.69672
101.84057
138.48476
187.95443
254.73848

2.43639
2.52048
2.58893
2.64433
2.68890

11
12
13
14
15

16
17
18
19
20

121.71393
164.31381
221.82364
299.46192
404.27359

0.00822
0.00609
0.00451
0.00334
0.00247

0.35290
0.35214
0.35158
0.35117
0.35087

2.83367
2.83975
2.84426
2.84760
2.85008

0.00290
0.00214
0.00158
0.00117
0.00087

344.89695
466.61088
630.92469
852.74834
1152.21025

2.72460
2.75305
2.77563
2.79348
2.80755

16
17
18
19
20

21
22
23
24
25

545.7693
736.7886
994.6646
1342.7973
1812.7763

0.00183
0.00136
0.00101
0.00074
0.00055

0.35064
0.35048
0.35035
0.35026
0.35019

2.85191
2.85327
2.85427
2.85502
2.85557

0.00064
0.00048
0.00035
0.00026
0.00019

1556.4838
2102.2532
2839.0418
3833.7064
5176.5037

2.81859
2.82724
2.83400
2.83926
2.84334

21
22
23
24
25

26
27
28
29
30

2447.2480
3303.7848
4460.1095
6021.1478
8128.5495

0.00041
0.00030
0.00022
0.00017
0.00012

0.35014
0.35011
0.35008
0.35006
0.35004

2.85598
2.85628
2.85650
2.85667
2.85679

0.00014
0.00011
0.00008
0.00006
0.00004

6989.2800
9436.5280
12740.3128
17200.4222
23221.5700

2.84651
2.84897
2.85086
2.85233
2.85345

26
27
28
29
30

31
32
33
34
35

10973.5418
14814.2815
19999.2800
26999.0280
36448.6878

0.00009
0.00007
0.00005
0.00004
0.00003

0.35003
0.35002
0.35002
0.35001
0.35001

2.85688
2.85695
2.85700
2.85704
2.85706

0.00003
0.00002
0.00002
0.00001
0.00001

31350.1195
42323.6613
57137.9428
77137.2228
104136.2508

2.85432
2.85498
2.85549
2.85588
2.85618

31
32
33
34
35

40
45
50
55
60

163437.13
732857.58
3286157.88
14735241.81
66073317.00

0.00001
0.00000
0.00000
0.00000
0.00000

0.35000
0.35000
0.35000
0.35000
0.35000

2.85713
2.85714
2.85714
2.85714
2.85714

0.00000
0.00000
0.00000
0.00000
0.00000

466960.38
2093875.93
9389019.66
42100688.04
188780902.85

2.85690
2.85708
2.85713
2.85714
2.85714

40
45
50
55
60

40%

FACTORES DE INTERS DE 40% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,40,N)

(P/F,40,N)

(A/P,40,N)

(P/A,40,N)

(A/F,40,N)

(F/A,40,N)

(A/G,40,N)

1
2
3
4
5

1.40000
1.96000
2.74400
3.84160
5.37824

0.71429
0.51020
0.36443
0.26031
0.18593

1.40000
0.81667
0.62936
0.54077
0.49136

0.71429
1.22449
1.58892
1.84923
2.03516

1.00000
0.41667
0.22936
0.14077
0.09136

1.00000
2.40000
4.36000
7.10400
10.94560

0.00000
0.41667
0.77982
1.09234
1.35799

1
2
3
4
5

6
7
8
9
10

7.52954
10.54135
14.75789
20.66105
28.92547

0.13281
0.09486
0.06776
0.04840
0.03457

0.46126
0.44192
0.42907
0.42034
0.41432

2.16797
2.26284
2.33060
2.37900
2.41357

0.06126
0.04192
0.02907
0.02034
0.01432

16.32384
23.85338
34.39473
49.15262
69.81366

1.58110
1.76635
1.91852
2.04224
2.14190

6
7
8
9
10

11
12
13
14
15

40.49565
56.69391
79.37148
111.12007
155.56810

0.02469
0.01764
0.01260
0.00900
0.00643

0.41013
0.40718
0.40510
0.40363
0.40259

2.43826
2.45590
2.46850
2.47750
2.48393

0.01013
0.00718
0.00510
0.00363
0.00259

98.73913
139.23478
195.92869
275.30017
386.42024

2.22149
2.28454
2.33412
2.37287
2.40296

11
12
13
14
15

16
17
18
19
20

217.79533
304.91347
426.87885
597.63040
836.68255

0.00459
0.00328
0.00234
0.00167
0.00120

0.40185
0.40132
0.40094
0.40067
0.40048

2.48852
2.49180
2.49414
2.49582
2.49701

0.00185
0.00132
0.00094
0.00067
0.00048

541.98833
759.78367
1064.69714
1491.57599
2089.20639

2.42620
2.44406
2.45773
2.46815
2.47607

16
17
18
19
20

21
22
23
24
25

1171.3556
1639.8978
2295.8569
3214.1997
4499.8796

0.00085
0.00061
0.00044
0.00031
0.00022

0.40034
0.40024
0.40017
0.40012
0.40009

2.49787
2.49848
2.49891
2.49922
2.49944

0.00034
0.00024
0.00017
0.00012
0.00009

2925.8889
4097.2445
5737.1423
8032.9993
11247.1990

2.48206
2.48658
2.48998
2.49253
2.49444

21
22
23
24
25

26
27
28
29
30

6299.8314
8819.7640
12347.6696
17286.7374
24201.4324

0.00016
0.00011
0.00008
0.00006
0.00004

0.40006
0.40005
0.40003
0.40002
0.40002

2.49960
2.49972
2.49980
2.49986
2.49990

0.00006
0.00005
0.00003
0.00002
0.00002

15747.0785
22046.9099
30866.6739
43214.3435
60501.0809

2.49587
2.49694
2.49773
2.49832
2.49876

26
27
28
29
30

31
32
33
34
35

33882.0053
47434.8074
66408.7304
92972.2225
130161.1116

0.00003
0.00002
0.00002
0.00001
0.00001

0.40001
0.40001
0.40001
0.40000
0.40000

2.49993
2.49995
2.49996
2.49997
2.49998

0.00001
0.00001
0.00001
0.00000
0.00000

84702.5132
118584.5185
166019.3260
232428.0563
325400.2789

2.49909
2.49933
2.49950
2.49963
2.49973

31
32
33
34
35

40
45
50

700037.70
3764970.74
20248916.24

0.00000
0.00000
0.00000

0.40000
0.40000
0.40000

2.50000
2.50000
2.50000

0.00000
0.00000
0.00000

1750091.74
9412424.35
50622288.10

2.49994
2.49999
2.50000

40
45
50

55

108903531.28

0.00000

0.40000

2.50000

0.00000

272258825.69

2.50000

55

60

585709328.06

0.00000

0.40000

2.50000

0.00000

1464273317.64

2.50000

60

50%

FACTORES DE INTERS DE 50% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,50,N)

(P/F,50,N)

(A/P,50,N)

(P/A,50,N)

(A/F,50,N)

(F/A,50,N)

(A/G,50,N)

1
2
3
4
5

1.50000
2.25000
3.37500
5.06250
7.59375

0.66667
0.44444
0.29630
0.19753
0.13169

1.50000
0.90000
0.71053
0.62308
0.57583

0.66667
1.11111
1.40741
1.60494
1.73663

1.00000
0.40000
0.21053
0.12308
0.07583

1.00000
2.50000
4.75000
8.12500
13.18750

0.00000
0.40000
0.73684
1.01538
1.24171

1
2
3
4
5

6
7
8
9
10

11.39063
17.08594
25.62891
38.44336
57.66504

0.08779
0.05853
0.03902
0.02601
0.01734

0.54812
0.53108
0.52030
0.51335
0.50882

1.82442
1.88294
1.92196
1.94798
1.96532

0.04812
0.03108
0.02030
0.01335
0.00882

20.78125
32.17188
49.25781
74.88672
113.33008

1.42256
1.56484
1.67518
1.75964
1.82352

6
7
8
9
10

11
12
13
14
15

86.49756
129.74634
194.61951
291.92926
437.89389

0.01156
0.00771
0.00514
0.00343
0.00228

0.50585
0.50388
0.50258
0.50172
0.50114

1.97688
1.98459
1.98972
1.99315
1.99543

0.00585
0.00388
0.00258
0.00172
0.00114

170.99512
257.49268
387.23901
581.85852
873.78778

1.87134
1.90679
1.93286
1.95188
1.96567

11
12
13
14
15

16
17
18
19
20

656.84084
985.26125
1477.89188
2216.83782
3325.25673

0.00152
0.00101
0.00068
0.00045
0.00030

0.50076
0.50051
0.50034
0.50023
0.50015

1.99696
1.99797
1.99865
1.99910
1.99940

0.00076
0.00051
0.00034
0.00023
0.00015

1311.68167
1968.52251
2953.78376
4431.67564
6648.51346

1.97560
1.98273
1.98781
1.99143
1.99398

16
17
18
19
20

21
22
23
24
25

4987.88510
7481.82764
11222.74146
16834.11220
25251.16829

0.00020
0.00013
0.00009
0.00006
0.00004

0.50010
0.50007
0.50004
0.50003
0.50002

1.99960
1.99973
1.99982
1.99988
1.99992

0.00010
0.00007
0.00004
0.00003
0.00002

9973.77019
14961.65529
22443.48293
33666.22439
50500.33659

1.99579
1.99706
1.99795
1.99857
1.99901

21
22
23
24
25

60%

FACTORES DE INTERS DE 60% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,60,N)

(P/F,60,N)

(A/P,60,N)

(P/A,60,N)

(A/F,60,N)

(F/A,60,N)

(A/G,60,N)

1
2
3
4
5

1.60000
2.56000
4.09600
6.55360
10.48576

0.62500
0.39063
0.24414
0.15259
0.09537

1.60000
0.98462
0.79380
0.70804
0.66325

0.62500
1.01563
1.25977
1.41235
1.50772

1.00000
0.38462
0.19380
0.10804
0.06325

1.00000
2.60000
5.16000
9.25600
15.80960

0.00000
0.38462
0.69767
0.94641
1.13956

1
2
3
4
5

6
7
8
9
10

16.77722
26.84355
42.94967
68.71948
109.95116

0.05960
0.03725
0.02328
0.01455
0.00909

0.63803
0.62322
0.61430
0.60886
0.60551

1.56733
1.60458
1.62786
1.64241
1.65151

0.03803
0.02322
0.01430
0.00886
0.00551

26.29536
43.07258
69.91612
112.86579
181.58527

1.28637
1.39581
1.47596
1.53377
1.57488

6
7
8
9
10

11
12
13
14
15

175.92186
281.47498
450.35996
720.57594
1152.92150

0.00568
0.00355
0.00222
0.00139
0.00087

0.60343
0.60214
0.60134
0.60083
0.60052

1.65719
1.66075
1.66297
1.66435
1.66522

0.00343
0.00214
0.00134
0.00083
0.00052

291.53643
467.45829
748.93327
1199.29323
1919.86917

1.60378
1.62388
1.63774
1.64721
1.65364

11
12
13
14
15

16
17
18
19
20

1844.67441
2951.47905
4722.36648
7555.78637
12089.25820

0.00054
0.00034
0.00021
0.00013
0.00008

0.60033
0.60020
0.60013
0.60008
0.60005

1.66576
1.66610
1.66631
1.66645
1.66653

0.00033
0.00020
0.00013
0.00008
0.00005

3072.79068
4917.46509
7868.94414
12591.31062
20147.09699

1.65799
1.66090
1.66285
1.66415
1.66501

16
17
18
19
20

70%

FACTORES DE INTERS DE 70% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,70,N)

(P/F,70,N)

(A/P,70,N)

(P/A,70,N)

(A/F,70,N)

(F/A,70,N)

(A/G,70,N)

1
2
3
4
5

1.70000
2.89000
4.91300
8.35210
14.19857

0.58824
0.34602
0.20354
0.11973
0.07043

1.70000
1.07037
0.87889
0.79521
0.75304

0.58824
0.93426
1.13780
1.25753
1.32796

1.00000
0.37037
0.17889
0.09521
0.05304

1.00000
2.70000
5.59000
10.50300
18.85510

0.00000
0.37037
0.66190
0.88451
1.04974

1
2
3
4
5

6
7
8
9
10

24.13757
41.03387
69.75757
118.58788
201.59939

0.04143
0.02437
0.01434
0.00843
0.00496

0.73025
0.71749
0.71018
0.70595
0.70349

1.36939
1.39376
1.40809
1.41652
1.42149

0.03025
0.01749
0.01018
0.00595
0.00349

33.05367
57.19124
98.22511
167.98268
286.57056

1.16925
1.25372
1.31222
1.35203
1.37872

6
7
8
9
10

11
12
13
14
15

342.71896
582.62224
990.45780
1683.77827
2862.42305

0.00292
0.00172
0.00101
0.00059
0.00035

0.70205
0.70120
0.70071
0.70042
0.70024

1.42440
1.42612
1.42713
1.42772
1.42807

0.00205
0.00120
0.00071
0.00042
0.00024

488.16995
830.88891
1413.51115
2403.96895
4087.74722

1.39638
1.40794
1.41543
1.42025
1.42333

11
12
13
14
15

16
17
18
19
20

4866.11919
8272.40262
14063.08445
23907.24357
40642.31407

0.00021
0.00012
0.00007
0.00004
0.00002

0.70014
0.70008
0.70005
0.70003
0.70002

1.42828
1.42840
1.42847
1.42851
1.42854

0.00014
0.00008
0.00005
0.00003
0.00002

6950.17027
11816.28946
20088.69207
34151.77653
58059.02009

1.42528
1.42652
1.42729
1.42778
1.42808

16
17
18
19
20

80%

FACTORES DE INTERS DE 80% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,80,N)

(P/F,80,N)

(A/P,80,N)

(P/A,80,N)

(A/F,80,N)

(F/A,80,N)

(A/G,80,N)

1
2
3
4
5

1.80000
3.24000
5.83200
10.49760
18.89568

0.55556
0.30864
0.17147
0.09526
0.05292

1.80000
1.15714
0.96556
0.88423
0.84470

0.55556
0.86420
1.03567
1.13093
1.18385

1.00000
0.35714
0.16556
0.08423
0.04470

1.00000
2.80000
6.04000
11.87200
22.36960

0.00000
0.35714
0.62914
0.82884
0.97060

1
2
3
4
5

6
7
8
9
10

34.01222
61.22200
110.19961
198.35929
357.04672

0.02940
0.01633
0.00907
0.00504
0.00280

0.82423
0.81328
0.80733
0.80405
0.80225

1.21325
1.22958
1.23866
1.24370
1.24650

0.02423
0.01328
0.00733
0.00405
0.00225

41.26528
75.27750
136.49951
246.69911
445.05840

1.06825
1.13376
1.17674
1.20440
1.22191

6
7
8
9
10

11
12
13
14
15

642.68410
1156.83138
2082.29649
3748.13368
6746.64062

0.00156
0.00086
0.00048
0.00027
0.00015

0.80125
0.80069
0.80038
0.80021
0.80012

1.24806
1.24892
1.24940
1.24967
1.24981

0.00125
0.00069
0.00038
0.00021
0.00012

802.10513
1444.78923
2601.62061
4683.91709
8432.05077

1.23286
1.23962
1.24375
1.24626
1.24778

11
12
13
14
15

90%

FACTORES DE INTERS DE 90% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,90,N)

(P/F,90,N)

(A/P,90,N)

(P/A,90,N)

(A/F,90,N)

(F/A,90,N)

(A/G,90,N)

1
2
3
4
5

1.90000
3.61000
6.85900
13.03210
24.76099

0.52632
0.27701
0.14579
0.07673
0.04039

1.90000
1.24483
1.05361
0.97480
0.93788

0.52632
0.80332
0.94912
1.02585
1.06624

1.00000
0.34483
0.15361
0.07480
0.03788

1.00000
2.90000
6.51000
13.36900
26.40110

0.00000
0.34483
0.59908
0.77867
0.90068

1
2
3
4
5

6
7
8
9
10

47.04588
89.38717
169.83563
322.68770
613.10663

0.02126
0.01119
0.00589
0.00310
0.00163

0.91955
0.91018
0.90533
0.90280
0.90147

1.08749
1.09868
1.10457
1.10767
1.10930

0.01955
0.01018
0.00533
0.00280
0.00147

51.16209
98.20797
187.59514
357.43078
680.11847

0.98081
1.03191
1.06373
1.08313
1.09477

6
7
8
9
10

11
12
13
14
15

1164.90259
2213.31492
4205.29835
7990.06686
15181.12703

0.00086
0.00045
0.00024
0.00013
0.00007

0.90077
0.90041
0.90021
0.90011
0.90006

1.11016
1.11061
1.11085
1.11097
1.11104

0.00077
0.00041
0.00021
0.00011
0.00006

1293.22510
2458.12769
4671.44261
8876.74095
16866.80781

1.10166
1.10569
1.10802
1.10936
1.11012

11
12
13
14
15

100%

FACTORES DE INTERS DE 100% PARA PERODOS DE COMPOSICIN DISCRETA

PAGO NICO

Factor de
cantidad
compuesta

SERIE UNIFORME

Factor de
Factor de valor
Factor de Valor Factor de fondo
recuperacin de
presente
Presente
de amortizacin
capital

Factor de
cantidad
compuesta

Factor de
gradiente

(F/P,100,N) (P/F,100,N) (A/P,100,N) (P/A,100,N) (A/F,100,N) (F/A,100,N) (A/G,100,N)

1
2
3
4
5

2.00000
4.00000
8.00000
16.00000
32.00000

0.50000
0.25000
0.12500
0.06250
0.03125

2.00000
1.33333
1.14286
1.06667
1.03226

0.50000
0.75000
0.87500
0.93750
0.96875

1.00000
0.33333
0.14286
0.06667
0.03226

1.00000
3.00000
7.00000
15.00000
31.00000

0.00000
0.33333
0.57143
0.73333
0.83871

1
2
3
4
5

6
7
8
9
10

64.000
128.000
256.000
512.000
1024.000

0.01563
0.00781
0.00391
0.00195
0.00098

1.01587
1.00787
1.00392
1.00196
1.00098

0.98438
0.99219
0.99609
0.99805
0.99902

0.01587
0.00787
0.00392
0.00196
0.00098

63.000
127.000
255.000
511.000
1023.000

0.90476
0.94488
0.96863
0.98239
0.99022

6
7
8
9
10

11
12
13
14
15

2048.000
4096.000
8192.000
16384.000
32768.000

0.00049
0.00024
0.00012
0.00006
0.00003

1.00049
1.00024
1.00012
1.00006
1.00003

0.99951
0.99976
0.99988
0.99994
0.99997

0.00049
0.00024
0.00012
0.00006
0.00003

2047.000
4095.000
8191.000
16383.000
32767.000

0.99463
0.99707
0.99841
0.99915
0.99954

11
12
13
14
15