simulador - valor dinero en el tiempo ver2.5
TRANSCRIPT
Elaborado por: Prof Percy Soria A. UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
VALOR DEL DINERO EN EL TIEMPO
1) VALOR FUTURO DE UNA CANTIDAD UNICA:
DATOS FORMULA FUNCIONES DE EXCEL TABLAS
VF ? VF= VP*(1+i)^n TABLA A-1VP 800.00 FIVF 1.3382N 5 VF= 1,070.58 VF= 1,070.58 VF= 1,070.56 i 6%
VF= =$E$11*(1+$E$13)^$E$12 VF= =VF($E$13,$E$12,0,-$E$11,0) VF= =+$E$11*$N$11
2) VALOR PRESENTE DE UNA CANTIDAD UNICA:
DATOS FORMULA FUNCIONES DE EXCEL TABLAS
VF 1,700.00 VP= VF/(1+i)^n TABLA A-2VP ? FIVP 0.54027N 8.00 VP= 918.46 VP= 918.46 VP= 918.46i 8%
VP= =$E$23/(1+$E$26)^$E$25 VP= =VA($E$26,$E$25,0,-$E$23,0) VP= =+$E$23*$N$24
3) VALOR FUTURO DE UNA ANUALIDAD ORDINARIA:
DATOS FORMULA FUNCIONES DE EXCEL TABLAS
VFA ? FVIFA= (1/i)*(((1+i)^n)-1) TABLA A-3VP - VFA= PMT*FVIFA FVIFA 5.7507PMT 1,000.00N 5.00 FVIFA= 5.75i 7% VFA= 5,750.74 VFA= 5,750.74 VFA= 5,750.70
FVIFA= =(1/$E$40)*(((1+$E$40)^$E$39)-1) VFA= =VF($E$40,$E$39,-$E$38,0,0) VFA= =+$E$38*$N$37
VFA= =+$E$38*$H$39
4) VALOR PRESENTE DE UNA ANUALIDAD ORDINARIA:
DATOS FORMULA FUNCIONES DE EXCEL TABLAS
VF - PVIFA= (1/i)*(1-(1/(1+i)^n)) TABLA A-4VPA ? VPA= PMT*PVIFA PVIFA 3.9927PMT 700.00N 5.00 PVIFA= 3.99i 8% VPA= 2,794.90 VPA= 2,794.90 VPA= 2,794.89
FVIFA= =(1/$E$56)*(1-(1/(1+$E$56)^$E$55)) VPA= =VA($E$56,$E$55,-$E$54,0,0) VPA= =+$E$54*$N$53
VPA= =+$E$54*$H$55
Preparado por Prof Percy Soria A - USMP 04/07/2023 Página 2
TABLA A-1 FACTORES DE INTERES DEL VALOR FUTURO: FIVF= (1+i)^n
redondeo = 4PERIODO 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20% 21% 22% 23% 24% 25%
1 1.0100 1.0200 1.0300 1.0400 1.0500 1.0600 1.0700 1.0800 1.0900 1.1000 1.1100 1.1200 1.1300 1.1400 1.1500 1.1600 1.1700 1.1800 1.1900 1.2000 1.2100 1.2200 1.2300 1.2400 1.2500
2 1.0201 1.0404 1.0609 1.0816 1.1025 1.1236 1.1449 1.1664 1.1881 1.2100 1.2321 1.2544 1.2769 1.2996 1.3225 1.3456 1.3689 1.3924 1.4161 1.4400 1.4641 1.4884 1.5129 1.5376 1.5625
3 1.0303 1.0612 1.0927 1.1249 1.1576 1.1910 1.2250 1.2597 1.2950 1.3310 1.3676 1.4049 1.4429 1.4815 1.5209 1.5609 1.6016 1.6430 1.6852 1.7280 1.7716 1.8158 1.8609 1.9066 1.9531
4 1.0406 1.0824 1.1255 1.1699 1.2155 1.2625 1.3108 1.3605 1.4116 1.4641 1.5181 1.5735 1.6305 1.6890 1.7490 1.8106 1.8739 1.9388 2.0053 2.0736 2.1436 2.2153 2.2889 2.3642 2.4414
5 1.0510 1.1041 1.1593 1.2167 1.2763 1.3382 1.4026 1.4693 1.5386 1.6105 1.6851 1.7623 1.8424 1.9254 2.0114 2.1003 2.1924 2.2878 2.3864 2.4883 2.5937 2.7027 2.8153 2.9316 3.0518
6 1.0615 1.1262 1.1941 1.2653 1.3401 1.4185 1.5007 1.5869 1.6771 1.7716 1.8704 1.9738 2.0820 2.1950 2.3131 2.4364 2.5652 2.6996 2.8398 2.9860 3.1384 3.2973 3.4628 3.6352 3.8147
7 1.0721 1.1487 1.2299 1.3159 1.4071 1.5036 1.6058 1.7138 1.8280 1.9487 2.0762 2.2107 2.3526 2.5023 2.6600 2.8262 3.0012 3.1855 3.3793 3.5832 3.7975 4.0227 4.2593 4.5077 4.7684
8 1.0829 1.1717 1.2668 1.3686 1.4775 1.5938 1.7182 1.8509 1.9926 2.1436 2.3045 2.4760 2.6584 2.8526 3.0590 3.2784 3.5115 3.7589 4.0214 4.2998 4.5950 4.9077 5.2389 5.5895 5.9605
9 1.0937 1.1951 1.3048 1.4233 1.5513 1.6895 1.8385 1.9990 2.1719 2.3579 2.5580 2.7731 3.0040 3.2519 3.5179 3.8030 4.1084 4.4355 4.7854 5.1598 5.5599 5.9874 6.4439 6.9310 7.4506
10 1.1046 1.2190 1.3439 1.4802 1.6289 1.7908 1.9672 2.1589 2.3674 2.5937 2.8394 3.1058 3.3946 3.7072 4.0456 4.4114 4.8068 5.2338 5.6947 6.1917 6.7275 7.3046 7.9259 8.5944 9.3132
11 1.1157 1.2434 1.3842 1.5395 1.7103 1.8983 2.1049 2.3316 2.5804 2.8531 3.1518 3.4785 3.8359 4.2262 4.6524 5.1173 5.6240 6.1759 6.7767 7.4301 8.1403 8.9117 9.7489 10.6571 11.6415
12 1.1268 1.2682 1.4258 1.6010 1.7959 2.0122 2.2522 2.5182 2.8127 3.1384 3.4985 3.8960 4.3345 4.8179 5.3503 5.9360 6.5801 7.2876 8.0642 8.9161 9.8497 10.8722 11.9912 13.2148 14.5519
13 1.1381 1.2936 1.4685 1.6651 1.8856 2.1329 2.4098 2.7196 3.0658 3.4523 3.8833 4.3635 4.8980 5.4924 6.1528 6.8858 7.6987 8.5994 9.5964 10.6993 11.9182 13.2641 14.7491 16.3863 18.1899
14 1.1495 1.3195 1.5126 1.7317 1.9799 2.2609 2.5785 2.9372 3.3417 3.7975 4.3104 4.8871 5.5348 6.2613 7.0757 7.9875 9.0075 10.1472 11.4198 12.8392 14.4210 16.1822 18.1414 20.3191 22.7374
15 1.1610 1.3459 1.5580 1.8009 2.0789 2.3966 2.7590 3.1722 3.6425 4.1772 4.7846 5.4736 6.2543 7.1379 8.1371 9.2655 10.5387 11.9737 13.5895 15.4070 17.4494 19.7423 22.3140 25.1956 28.4217
16 1.1726 1.3728 1.6047 1.8730 2.1829 2.5404 2.9522 3.4259 3.9703 4.5950 5.3109 6.1304 7.0673 8.1372 9.3576 10.7480 12.3303 14.1290 16.1715 18.4884 21.1138 24.0856 27.4462 31.2426 35.5271
17 1.1843 1.4002 1.6528 1.9479 2.2920 2.6928 3.1588 3.7000 4.3276 5.0545 5.8951 6.8660 7.9861 9.2765 10.7613 12.4677 14.4265 16.6722 19.2441 22.1861 25.5477 29.3844 33.7588 38.7408 44.4089
18 1.1961 1.4282 1.7024 2.0258 2.4066 2.8543 3.3799 3.9960 4.7171 5.5599 6.5436 7.6900 9.0243 10.5752 12.3755 14.4625 16.8790 19.6733 22.9005 26.6233 30.9127 35.8490 41.5233 48.0386 55.5112
19 1.2081 1.4568 1.7535 2.1068 2.5270 3.0256 3.6165 4.3157 5.1417 6.1159 7.2633 8.6128 10.1974 12.0557 14.2318 16.7765 19.7484 23.2144 27.2516 31.9480 37.4043 43.7358 51.0737 59.5679 69.3889
20 1.2202 1.4859 1.8061 2.1911 2.6533 3.2071 3.8697 4.6610 5.6044 6.7275 8.0623 9.6463 11.5231 13.7435 16.3665 19.4608 23.1056 27.3930 32.4294 38.3376 45.2593 53.3576 62.8206 73.8641 86.7362
21 1.2324 1.5157 1.8603 2.2788 2.7860 3.3996 4.1406 5.0338 6.1088 7.4002 8.9492 10.8038 13.0211 15.6676 18.8215 22.5745 27.0336 32.3238 38.5910 46.0051 54.7637 65.0963 77.2694 91.5915 108.4202
22 1.2447 1.5460 1.9161 2.3699 2.9253 3.6035 4.4304 5.4365 6.6586 8.1403 9.9336 12.1003 14.7138 17.8610 21.6447 26.1864 31.6293 38.1421 45.9233 55.2061 66.2641 79.4175 95.0413 113.5735 135.5253
23 1.2572 1.5769 1.9736 2.4647 3.0715 3.8197 4.7405 5.8715 7.2579 8.9543 11.0263 13.5523 16.6266 20.3616 24.8915 30.3762 37.0062 45.0076 54.6487 66.2474 80.1795 96.8894 116.9008 140.8312 169.4066
24 1.2697 1.6084 2.0328 2.5633 3.2251 4.0489 5.0724 6.3412 7.9111 9.8497 12.2392 15.1786 18.7881 23.2122 28.6252 35.2364 43.2973 53.1090 65.0320 79.4968 97.0172 118.2050 143.7880 174.6306 211.7582
25 1.2824 1.6406 2.0938 2.6658 3.3864 4.2919 5.4274 6.8485 8.6231 10.8347 13.5855 17.0001 21.2305 26.4619 32.9190 40.8742 50.6578 62.6686 77.3881 95.3962 117.3909 144.2101 176.8593 216.5420 264.6978
26 1.2953 1.6734 2.1566 2.7725 3.5557 4.5494 5.8074 7.3964 9.3992 11.9182 15.0799 19.0401 23.9905 30.1666 37.8568 47.4141 59.2697 73.9490 92.0918 114.4755 142.0429 175.9364 217.5369 268.5121 330.8722
27 1.3082 1.7069 2.2213 2.8834 3.7335 4.8223 6.2139 7.9881 10.2451 13.1100 16.7386 21.3249 27.1093 34.3899 43.5353 55.0004 69.3455 87.2598 109.5893 137.3706 171.8719 214.6424 267.5704 332.9550 413.5903
28 1.3213 1.7410 2.2879 2.9987 3.9201 5.1117 6.6488 8.6271 11.1671 14.4210 18.5799 23.8839 30.6335 39.2045 50.0656 63.8004 81.1342 102.9666 130.4112 164.8447 207.9651 261.8637 329.1115 412.8642 516.9879
29 1.3345 1.7758 2.3566 3.1187 4.1161 5.4184 7.1143 9.3173 12.1722 15.8631 20.6237 26.7499 34.6158 44.6931 57.5755 74.0085 94.9271 121.5005 155.1893 197.8136 251.6377 319.4737 404.8072 511.9516 646.2349
30 1.3478 1.8114 2.4273 3.2434 4.3219 5.7435 7.6123 10.0627 13.2677 17.4494 22.8923 29.9599 39.1159 50.9502 66.2118 85.8499 111.0647 143.3706 184.6753 237.3763 304.4816 389.7579 497.9129 634.8199 807.7936
31 1.3613 1.8476 2.5001 3.3731 4.5380 6.0881 8.1451 10.8677 14.4618 19.1943 25.4104 33.5551 44.2010 58.0832 76.1435 99.5859 129.9456 169.1774 219.7636 284.8516 368.4228 475.5046 612.4328 787.1767 1009.7420
32 1.3749 1.8845 2.5751 3.5081 4.7649 6.4534 8.7153 11.7371 15.7633 21.1138 28.2056 37.5817 49.9471 66.2148 87.5651 115.5196 152.0364 199.6293 261.5187 341.8219 445.7916 580.1156 753.2924 976.0991 1262.1774
33 1.3887 1.9222 2.6523 3.6484 5.0032 6.8406 9.3253 12.6760 17.1820 23.2252 31.3082 42.0915 56.4402 75.4849 100.6998 134.0027 177.8826 235.5625 311.2073 410.1863 539.4078 707.7411 926.5496 1210.3629 1577.7218
34 1.4026 1.9607 2.7319 3.7943 5.2533 7.2510 9.9781 13.6901 18.7284 25.5477 34.7521 47.1425 63.7774 86.0528 115.8048 155.4432 208.1226 277.9638 370.3366 492.2235 652.6834 863.4441 1139.6560 1500.8500 1972.1523
35 1.4166 1.9999 2.8139 3.9461 5.5160 7.6861 10.6766 14.7853 20.4140 28.1024 38.5749 52.7996 72.0685 98.1002 133.1755 180.3141 243.5035 327.9973 440.7006 590.6682 789.7470 1053.4018 1401.7769 1861.0540 2465.1903
36 1.4308 2.0399 2.8983 4.1039 5.7918 8.1473 11.4239 15.9682 22.2512 30.9127 42.8181 59.1356 81.4374 111.8342 153.1519 209.1643 284.8991 387.0368 524.4337 708.8019 955.5938 1285.1502 1724.1856 2307.7070 3081.4879
37 1.4451 2.0807 2.9852 4.2681 6.0814 8.6361 12.2236 17.2456 24.2538 34.0039 47.5281 66.2318 92.0243 127.4910 176.1246 242.6306 333.3319 456.7034 624.0761 850.5622 1156.2685 1567.8833 2120.7483 2861.5567 3851.8599
38 1.4595 2.1223 3.0748 4.4388 6.3855 9.1543 13.0793 18.6253 26.4367 37.4043 52.7562 74.1797 103.9874 145.3397 202.5433 281.4515 389.9983 538.9100 742.6506 1020.6747 1399.0849 1912.8176 2608.5204 3548.3303 4814.8249
39 1.4741 2.1647 3.1670 4.6164 6.7048 9.7035 13.9948 20.1153 28.8160 41.1448 58.5593 83.0812 117.5058 165.6873 232.9248 326.4838 456.2980 635.9139 883.7542 1224.8096 1692.8927 2333.6375 3208.4801 4399.9295 6018.5311
40 1.4889 2.2080 3.2620 4.8010 7.0400 10.2857 14.9745 21.7245 31.4094 45.2593 65.0009 93.0510 132.7816 188.8835 267.8635 378.7212 533.8687 750.3783 1051.6675 1469.7716 2048.4002 2847.0378 3946.4305 5455.9126 7523.1638
41 1.5038 2.2522 3.3599 4.9931 7.3920 10.9029 16.0227 23.4625 34.2363 49.7852 72.1510 104.2171 150.0432 215.3272 308.0431 439.3165 624.6264 885.4464 1251.4843 1763.7259 2478.5643 3473.3861 4854.1095 6765.3317 9403.9548
42 1.5188 2.2972 3.4607 5.1928 7.7616 11.5570 17.1443 25.3395 37.3175 54.7637 80.0876 116.7231 169.5488 245.4730 354.2495 509.6072 730.8129 1044.8268 1489.2664 2116.4711 2999.0628 4237.5310 5970.5547 8389.0113 11754.9435
43 1.5340 2.3432 3.5645 5.4005 8.1497 12.2505 18.3444 27.3666 40.6761 60.2401 88.8972 130.7299 191.5901 279.8392 407.3870 591.1443 855.0511 1232.8956 1772.2270 2539.7653 3628.8659 5169.7878 7343.7823 10402.3740 14693.6794
44 1.5493 2.3901 3.6715 5.6165 8.5572 12.9855 19.6285 29.5560 44.3370 66.2641 98.6759 146.4175 216.4968 319.0167 468.4950 685.7274 1000.4098 1454.8168 2108.9501 3047.7183 4390.9278 6307.1411 9032.8522 12898.9437 18367.0992
45 1.5648 2.4379 3.7816 5.8412 8.9850 13.7646 21.0025 31.9204 48.3273 72.8905 109.5302 163.9876 244.6414 363.6791 538.7693 795.4438 1170.4794 1716.6839 2509.6506 3657.2620 5313.0226 7694.7122 11110.4082 15994.6902 22958.8740
46 1.5805 2.4866 3.8950 6.0748 9.4343 14.5905 22.4726 34.4741 52.6767 80.1795 121.5786 183.6661 276.4448 414.5941 619.5847 922.7148 1369.4609 2025.6870 2986.4842 4388.7144 6428.7574 9387.5489 13665.8021 19833.4158 28698.5925
47 1.5963 2.5363 4.0119 6.3178 9.9060 15.4659 24.0457 37.2320 57.4176 88.1975 134.9522 205.7061 312.3826 472.6373 712.5224 1070.3492 1602.2693 2390.3106 3553.9162 5266.4573 7778.7964 11452.8096 16808.9365 24593.4356 35873.2407
48 1.6122 2.5871 4.1323 6.5705 10.4013 16.3939 25.7289 40.2106 62.5852 97.0172 149.7970 230.3908 352.9923 538.8065 819.4007 1241.6051 1874.6550 2820.5665 4229.1603 6319.7487 9412.3437 13972.4277 20674.9919 30495.8602 44841.5509
49 1.6283 2.6388 4.2562 6.8333 10.9213 17.3775 27.5299 43.4274 68.2179 106.7190 166.2746 258.0377 398.8813 614.2395 942.3108 1440.2619 2193.3464 3328.2685 5032.7008 7583.6985 11388.9358 17046.3618 25430.2401 37814.8666 56051.9386
50 1.6446 2.6916 4.3839 7.1067 11.4674 18.4202 29.4570 46.9016 74.3575 117.3909 184.5648 289.0022 450.7359 700.2330 1083.6574 1670.7038 2566.2153 3927.3569 5988.9139 9100.4382 13780.6123 20796.5615 31279.1953 46890.4346 70064.9232
TABLA A-2 FACTORES DE INTERES DEL VALOR PRESENTE:
redondeo =PERIODO 1% 2% 3% 4% 5% 6% 7% 8% 9%
1 0.99010 0.98039 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743
2 0.98030 0.96117 0.94260 0.92456 0.90703 0.89000 0.87344 0.85734 0.84168
3 0.97059 0.94232 0.91514 0.88900 0.86384 0.83962 0.81630 0.79383 0.77218
4 0.96098 0.92385 0.88849 0.85480 0.82270 0.79209 0.76290 0.73503 0.70843
5 0.95147 0.90573 0.86261 0.82193 0.78353 0.74726 0.71299 0.68058 0.64993
6 0.94205 0.88797 0.83748 0.79031 0.74622 0.70496 0.66634 0.63017 0.59627
7 0.93272 0.87056 0.81309 0.75992 0.71068 0.66506 0.62275 0.58349 0.54703
8 0.92348 0.85349 0.78941 0.73069 0.67684 0.62741 0.58201 0.54027 0.50187
9 0.91434 0.83676 0.76642 0.70259 0.64461 0.59190 0.54393 0.50025 0.46043
10 0.90529 0.82035 0.74409 0.67556 0.61391 0.55839 0.50835 0.46319 0.42241
11 0.89632 0.80426 0.72242 0.64958 0.58468 0.52679 0.47509 0.42888 0.38753
12 0.88745 0.78849 0.70138 0.62460 0.55684 0.49697 0.44401 0.39711 0.35553
13 0.87866 0.77303 0.68095 0.60057 0.53032 0.46884 0.41496 0.36770 0.32618
14 0.86996 0.75788 0.66112 0.57748 0.50507 0.44230 0.38782 0.34046 0.29925
15 0.86135 0.74301 0.64186 0.55526 0.48102 0.41727 0.36245 0.31524 0.27454
16 0.85282 0.72845 0.62317 0.53391 0.45811 0.39365 0.33873 0.29189 0.25187
17 0.84438 0.71416 0.60502 0.51337 0.43630 0.37136 0.31657 0.27027 0.23107
18 0.83602 0.70016 0.58739 0.49363 0.41552 0.35034 0.29586 0.25025 0.21199
19 0.82774 0.68643 0.57029 0.47464 0.39573 0.33051 0.27651 0.23171 0.19449
20 0.81954 0.67297 0.55368 0.45639 0.37689 0.31180 0.25842 0.21455 0.17843
21 0.81143 0.65978 0.53755 0.43883 0.35894 0.29416 0.24151 0.19866 0.16370
22 0.80340 0.64684 0.52189 0.42196 0.34185 0.27751 0.22571 0.18394 0.15018
23 0.79544 0.63416 0.50669 0.40573 0.32557 0.26180 0.21095 0.17032 0.13778
24 0.78757 0.62172 0.49193 0.39012 0.31007 0.24698 0.19715 0.15770 0.12640
25 0.77977 0.60953 0.47761 0.37512 0.29530 0.23300 0.18425 0.14602 0.11597
26 0.77205 0.59758 0.46369 0.36069 0.28124 0.21981 0.17220 0.13520 0.10639
27 0.76440 0.58586 0.45019 0.34682 0.26785 0.20737 0.16093 0.12519 0.09761
28 0.75684 0.57437 0.43708 0.33348 0.25509 0.19563 0.15040 0.11591 0.08955
29 0.74934 0.56311 0.42435 0.32065 0.24295 0.18456 0.14056 0.10733 0.08215
30 0.74192 0.55207 0.41199 0.30832 0.23138 0.17411 0.13137 0.09938 0.07537
31 0.73458 0.54125 0.39999 0.29646 0.22036 0.16425 0.12277 0.09202 0.06915
32 0.72730 0.53063 0.38834 0.28506 0.20987 0.15496 0.11474 0.08520 0.06344
33 0.72010 0.52023 0.37703 0.27409 0.19987 0.14619 0.10723 0.07889 0.05820
34 0.71297 0.51003 0.36604 0.26355 0.19035 0.13791 0.10022 0.07305 0.05339
35 0.70591 0.50003 0.35538 0.25342 0.18129 0.13011 0.09366 0.06763 0.04899
36 0.69892 0.49022 0.34503 0.24367 0.17266 0.12274 0.08754 0.06262 0.04494
37 0.69200 0.48061 0.33498 0.23430 0.16444 0.11579 0.08181 0.05799 0.04123
38 0.68515 0.47119 0.32523 0.22529 0.15661 0.10924 0.07646 0.05369 0.03783
39 0.67837 0.46195 0.31575 0.21662 0.14915 0.10306 0.07146 0.04971 0.03470
40 0.67165 0.45289 0.30656 0.20829 0.14205 0.09722 0.06678 0.04603 0.03184
41 0.66500 0.44401 0.29763 0.20028 0.13528 0.09172 0.06241 0.04262 0.02921
42 0.65842 0.43530 0.28896 0.19257 0.12884 0.08653 0.05833 0.03946 0.02680
43 0.65190 0.42677 0.28054 0.18517 0.12270 0.08163 0.05451 0.03654 0.02458
44 0.64545 0.41840 0.27237 0.17805 0.11686 0.07701 0.05095 0.03383 0.02255
45 0.63905 0.41020 0.26444 0.17120 0.11130 0.07265 0.04761 0.03133 0.02069
46 0.63273 0.40215 0.25674 0.16461 0.10600 0.06854 0.04450 0.02901 0.01898
47 0.62646 0.39427 0.24926 0.15828 0.10095 0.06466 0.04159 0.02686 0.01742
48 0.62026 0.38654 0.24200 0.15219 0.09614 0.06100 0.03887 0.02487 0.01598
49 0.61412 0.37896 0.23495 0.14634 0.09156 0.05755 0.03632 0.02303 0.01466
50 0.60804 0.37153 0.22811 0.14071 0.08720 0.05429 0.03395 0.02132 0.01345
FACTORES DE INTERES DEL VALOR PRESENTE: FIVP= 1/(1+i)^n
510% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20%0.90909 0.90090 0.89286 0.88496 0.87719 0.86957 0.86207 0.85470 0.84746 0.84034 0.83333
0.82645 0.81162 0.79719 0.78315 0.76947 0.75614 0.74316 0.73051 0.71818 0.70616 0.69444
0.75131 0.73119 0.71178 0.69305 0.67497 0.65752 0.64066 0.62437 0.60863 0.59342 0.57870
0.68301 0.65873 0.63552 0.61332 0.59208 0.57175 0.55229 0.53365 0.51579 0.49867 0.48225
0.62092 0.59345 0.56743 0.54276 0.51937 0.49718 0.47611 0.45611 0.43711 0.41905 0.40188
0.56447 0.53464 0.50663 0.48032 0.45559 0.43233 0.41044 0.38984 0.37043 0.35214 0.33490
0.51316 0.48166 0.45235 0.42506 0.39964 0.37594 0.35383 0.33320 0.31393 0.29592 0.27908
0.46651 0.43393 0.40388 0.37616 0.35056 0.32690 0.30503 0.28478 0.26604 0.24867 0.23257
0.42410 0.39092 0.36061 0.33288 0.30751 0.28426 0.26295 0.24340 0.22546 0.20897 0.19381
0.38554 0.35218 0.32197 0.29459 0.26974 0.24718 0.22668 0.20804 0.19106 0.17560 0.16151
0.35049 0.31728 0.28748 0.26070 0.23662 0.21494 0.19542 0.17781 0.16192 0.14757 0.13459
0.31863 0.28584 0.25668 0.23071 0.20756 0.18691 0.16846 0.15197 0.13722 0.12400 0.11216
0.28966 0.25751 0.22917 0.20416 0.18207 0.16253 0.14523 0.12989 0.11629 0.10421 0.09346
0.26333 0.23199 0.20462 0.18068 0.15971 0.14133 0.12520 0.11102 0.09855 0.08757 0.07789
0.23939 0.20900 0.18270 0.15989 0.14010 0.12289 0.10793 0.09489 0.08352 0.07359 0.06491
0.21763 0.18829 0.16312 0.14150 0.12289 0.10686 0.09304 0.08110 0.07078 0.06184 0.05409
0.19784 0.16963 0.14564 0.12522 0.10780 0.09293 0.08021 0.06932 0.05998 0.05196 0.04507
0.17986 0.15282 0.13004 0.11081 0.09456 0.08081 0.06914 0.05925 0.05083 0.04367 0.03756
0.16351 0.13768 0.11611 0.09806 0.08295 0.07027 0.05961 0.05064 0.04308 0.03670 0.03130
0.14864 0.12403 0.10367 0.08678 0.07276 0.06110 0.05139 0.04328 0.03651 0.03084 0.02608
0.13513 0.11174 0.09256 0.07680 0.06383 0.05313 0.04430 0.03699 0.03094 0.02591 0.02174
0.12285 0.10067 0.08264 0.06796 0.05599 0.04620 0.03819 0.03162 0.02622 0.02178 0.01811
0.11168 0.09069 0.07379 0.06014 0.04911 0.04017 0.03292 0.02702 0.02222 0.01830 0.01509
0.10153 0.08170 0.06588 0.05323 0.04308 0.03493 0.02838 0.02310 0.01883 0.01538 0.01258
0.09230 0.07361 0.05882 0.04710 0.03779 0.03038 0.02447 0.01974 0.01596 0.01292 0.01048
0.08391 0.06631 0.05252 0.04168 0.03315 0.02642 0.02109 0.01687 0.01352 0.01086 0.00874
0.07628 0.05974 0.04689 0.03689 0.02908 0.02297 0.01818 0.01442 0.01146 0.00912 0.00728
0.06934 0.05382 0.04187 0.03264 0.02551 0.01997 0.01567 0.01233 0.00971 0.00767 0.00607
0.06304 0.04849 0.03738 0.02889 0.02237 0.01737 0.01351 0.01053 0.00823 0.00644 0.00506
0.05731 0.04368 0.03338 0.02557 0.01963 0.01510 0.01165 0.00900 0.00697 0.00541 0.00421
0.05210 0.03935 0.02980 0.02262 0.01722 0.01313 0.01004 0.00770 0.00591 0.00455 0.00351
0.04736 0.03545 0.02661 0.02002 0.01510 0.01142 0.00866 0.00658 0.00501 0.00382 0.00293
0.04306 0.03194 0.02376 0.01772 0.01325 0.00993 0.00746 0.00562 0.00425 0.00321 0.00244
0.03914 0.02878 0.02121 0.01568 0.01162 0.00864 0.00643 0.00480 0.00360 0.00270 0.00203
0.03558 0.02592 0.01894 0.01388 0.01019 0.00751 0.00555 0.00411 0.00305 0.00227 0.00169
0.03235 0.02335 0.01691 0.01228 0.00894 0.00653 0.00478 0.00351 0.00258 0.00191 0.00141
0.02941 0.02104 0.01510 0.01087 0.00784 0.00568 0.00412 0.00300 0.00219 0.00160 0.00118
0.02673 0.01896 0.01348 0.00962 0.00688 0.00494 0.00355 0.00256 0.00186 0.00135 0.00098
0.02430 0.01708 0.01204 0.00851 0.00604 0.00429 0.00306 0.00219 0.00157 0.00113 0.00082
0.02209 0.01538 0.01075 0.00753 0.00529 0.00373 0.00264 0.00187 0.00133 0.00095 0.00068
0.02009 0.01386 0.00960 0.00666 0.00464 0.00325 0.00228 0.00160 0.00113 0.00080 0.00057
0.01826 0.01249 0.00857 0.00590 0.00407 0.00282 0.00196 0.00137 0.00096 0.00067 0.00047
0.01660 0.01125 0.00765 0.00522 0.00357 0.00245 0.00169 0.00117 0.00081 0.00056 0.00039
0.01509 0.01013 0.00683 0.00462 0.00313 0.00213 0.00146 0.00100 0.00069 0.00047 0.00033
0.01372 0.00913 0.00610 0.00409 0.00275 0.00186 0.00126 0.00085 0.00058 0.00040 0.00027
0.01247 0.00823 0.00544 0.00362 0.00241 0.00161 0.00108 0.00073 0.00049 0.00033 0.00023
0.01134 0.00741 0.00486 0.00320 0.00212 0.00140 0.00093 0.00062 0.00042 0.00028 0.00019
0.01031 0.00668 0.00434 0.00283 0.00186 0.00122 0.00081 0.00053 0.00035 0.00024 0.00016
0.00937 0.00601 0.00388 0.00251 0.00163 0.00106 0.00069 0.00046 0.00030 0.00020 0.00013
0.00852 0.00542 0.00346 0.00222 0.00143 0.00092 0.00060 0.00039 0.00025 0.00017 0.00011
21% 22% 23% 24% 25% 26% 27% 28%0.82645 0.81967 0.81301 0.80645 0.80000 0.79365 0.78740 0.78125
0.68301 0.67186 0.66098 0.65036 0.64000 0.62988 0.62000 0.61035
0.56447 0.55071 0.53738 0.52449 0.51200 0.49991 0.48819 0.47684
0.46651 0.45140 0.43690 0.42297 0.40960 0.39675 0.38440 0.37253
0.38554 0.37000 0.35520 0.34111 0.32768 0.31488 0.30268 0.29104
0.31863 0.30328 0.28878 0.27509 0.26214 0.24991 0.23833 0.22737
0.26333 0.24859 0.23478 0.22184 0.20972 0.19834 0.18766 0.17764
0.21763 0.20376 0.19088 0.17891 0.16777 0.15741 0.14776 0.13878
0.17986 0.16702 0.15519 0.14428 0.13422 0.12493 0.11635 0.10842
0.14864 0.13690 0.12617 0.11635 0.10737 0.09915 0.09161 0.08470
0.12285 0.11221 0.10258 0.09383 0.08590 0.07869 0.07214 0.06617
0.10153 0.09198 0.08339 0.07567 0.06872 0.06245 0.05680 0.05170
0.08391 0.07539 0.06780 0.06103 0.05498 0.04957 0.04473 0.04039
0.06934 0.06180 0.05512 0.04921 0.04398 0.03934 0.03522 0.03155
0.05731 0.05065 0.04481 0.03969 0.03518 0.03122 0.02773 0.02465
0.04736 0.04152 0.03643 0.03201 0.02815 0.02478 0.02183 0.01926
0.03914 0.03403 0.02962 0.02581 0.02252 0.01967 0.01719 0.01505
0.03235 0.02789 0.02408 0.02082 0.01801 0.01561 0.01354 0.01175
0.02673 0.02286 0.01958 0.01679 0.01441 0.01239 0.01066 0.00918
0.02209 0.01874 0.01592 0.01354 0.01153 0.00983 0.00839 0.00717
0.01826 0.01536 0.01294 0.01092 0.00922 0.00780 0.00661 0.00561
0.01509 0.01259 0.01052 0.00880 0.00738 0.00619 0.00520 0.00438
0.01247 0.01032 0.00855 0.00710 0.00590 0.00491 0.00410 0.00342
0.01031 0.00846 0.00695 0.00573 0.00472 0.00390 0.00323 0.00267
0.00852 0.00693 0.00565 0.00462 0.00378 0.00310 0.00254 0.00209
0.00704 0.00568 0.00460 0.00372 0.00302 0.00246 0.00200 0.00163
0.00582 0.00466 0.00374 0.00300 0.00242 0.00195 0.00158 0.00127
0.00481 0.00382 0.00304 0.00242 0.00193 0.00155 0.00124 0.00100
0.00397 0.00313 0.00247 0.00195 0.00155 0.00123 0.00098 0.00078
0.00328 0.00257 0.00201 0.00158 0.00124 0.00097 0.00077 0.00061
0.00271 0.00210 0.00163 0.00127 0.00099 0.00077 0.00061 0.00047
0.00224 0.00172 0.00133 0.00102 0.00079 0.00061 0.00048 0.00037
0.00185 0.00141 0.00108 0.00083 0.00063 0.00049 0.00038 0.00029
0.00153 0.00116 0.00088 0.00067 0.00051 0.00039 0.00030 0.00023
0.00127 0.00095 0.00071 0.00054 0.00041 0.00031 0.00023 0.00018
0.00105 0.00078 0.00058 0.00043 0.00032 0.00024 0.00018 0.00014
0.00086 0.00064 0.00047 0.00035 0.00026 0.00019 0.00014 0.00011
0.00071 0.00052 0.00038 0.00028 0.00021 0.00015 0.00011 0.00008
0.00059 0.00043 0.00031 0.00023 0.00017 0.00012 0.00009 0.00007
0.00049 0.00035 0.00025 0.00018 0.00013 0.00010 0.00007 0.00005
0.00040 0.00029 0.00021 0.00015 0.00011 0.00008 0.00006 0.00004
0.00033 0.00024 0.00017 0.00012 0.00009 0.00006 0.00004 0.00003
0.00028 0.00019 0.00014 0.00010 0.00007 0.00005 0.00003 0.00002
0.00023 0.00016 0.00011 0.00008 0.00005 0.00004 0.00003 0.00002
0.00019 0.00013 0.00009 0.00006 0.00004 0.00003 0.00002 0.00001
0.00016 0.00011 0.00007 0.00005 0.00003 0.00002 0.00002 0.00001
0.00013 0.00009 0.00006 0.00004 0.00003 0.00002 0.00001 0.00001
0.00011 0.00007 0.00005 0.00003 0.00002 0.00002 0.00001 0.00001
0.00009 0.00006 0.00004 0.00003 0.00002 0.00001 0.00001 0.00001
0.00007 0.00005 0.00003 0.00002 0.00001 0.00001 0.00001 0.00000
29% 30% 31% 32% 33% 34% 35% 36%0.77519 0.76923 0.76336 0.75758 0.75188 0.74627 0.74074 0.73529
0.60093 0.59172 0.58272 0.57392 0.56532 0.55692 0.54870 0.54066
0.46583 0.45517 0.44482 0.43479 0.42505 0.41561 0.40644 0.39754
0.36111 0.35013 0.33956 0.32939 0.31959 0.31016 0.30107 0.29231
0.27993 0.26933 0.25921 0.24953 0.24029 0.23146 0.22301 0.21493
0.21700 0.20718 0.19787 0.18904 0.18067 0.17273 0.16520 0.15804
0.16822 0.15937 0.15104 0.14321 0.13584 0.12890 0.12237 0.11621
0.13040 0.12259 0.11530 0.10849 0.10214 0.09620 0.09064 0.08545
0.10109 0.09430 0.08802 0.08219 0.07680 0.07179 0.06714 0.06283
0.07836 0.07254 0.06719 0.06227 0.05774 0.05357 0.04974 0.04620
0.06075 0.05580 0.05129 0.04717 0.04341 0.03998 0.03684 0.03397
0.04709 0.04292 0.03915 0.03574 0.03264 0.02984 0.02729 0.02498
0.03650 0.03302 0.02989 0.02707 0.02454 0.02227 0.02021 0.01837
0.02830 0.02540 0.02281 0.02051 0.01845 0.01662 0.01497 0.01350
0.02194 0.01954 0.01742 0.01554 0.01387 0.01240 0.01109 0.00993
0.01700 0.01503 0.01329 0.01177 0.01043 0.00925 0.00822 0.00730
0.01318 0.01156 0.01015 0.00892 0.00784 0.00691 0.00609 0.00537
0.01022 0.00889 0.00775 0.00676 0.00590 0.00515 0.00451 0.00395
0.00792 0.00684 0.00591 0.00512 0.00443 0.00385 0.00334 0.00290
0.00614 0.00526 0.00451 0.00388 0.00333 0.00287 0.00247 0.00213
0.00476 0.00405 0.00345 0.00294 0.00251 0.00214 0.00183 0.00157
0.00369 0.00311 0.00263 0.00223 0.00188 0.00160 0.00136 0.00115
0.00286 0.00239 0.00201 0.00169 0.00142 0.00119 0.00101 0.00085
0.00222 0.00184 0.00153 0.00128 0.00107 0.00089 0.00074 0.00062
0.00172 0.00142 0.00117 0.00097 0.00080 0.00066 0.00055 0.00046
0.00133 0.00109 0.00089 0.00073 0.00060 0.00050 0.00041 0.00034
0.00103 0.00084 0.00068 0.00056 0.00045 0.00037 0.00030 0.00025
0.00080 0.00065 0.00052 0.00042 0.00034 0.00028 0.00022 0.00018
0.00062 0.00050 0.00040 0.00032 0.00026 0.00021 0.00017 0.00013
0.00048 0.00038 0.00030 0.00024 0.00019 0.00015 0.00012 0.00010
0.00037 0.00029 0.00023 0.00018 0.00014 0.00011 0.00009 0.00007
0.00029 0.00023 0.00018 0.00014 0.00011 0.00009 0.00007 0.00005
0.00022 0.00017 0.00013 0.00010 0.00008 0.00006 0.00005 0.00004
0.00017 0.00013 0.00010 0.00008 0.00006 0.00005 0.00004 0.00003
0.00013 0.00010 0.00008 0.00006 0.00005 0.00004 0.00003 0.00002
0.00010 0.00008 0.00006 0.00005 0.00003 0.00003 0.00002 0.00002
0.00008 0.00006 0.00005 0.00003 0.00003 0.00002 0.00002 0.00001
0.00006 0.00005 0.00003 0.00003 0.00002 0.00001 0.00001 0.00001
0.00005 0.00004 0.00003 0.00002 0.00001 0.00001 0.00001 0.00001
0.00004 0.00003 0.00002 0.00002 0.00001 0.00001 0.00001 0.00000
0.00003 0.00002 0.00002 0.00001 0.00001 0.00001 0.00000 0.00000
0.00002 0.00002 0.00001 0.00001 0.00001 0.00000 0.00000 0.00000
0.00002 0.00001 0.00001 0.00001 0.00000 0.00000 0.00000 0.00000
0.00001 0.00001 0.00001 0.00000 0.00000 0.00000 0.00000 0.00000
0.00001 0.00001 0.00001 0.00000 0.00000 0.00000 0.00000 0.00000
0.00001 0.00001 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00001 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
37% 38% 39% 40% 41% 42% 43%0.72993 0.72464 0.71942 0.71429 0.70922 0.70423 0.69930
0.53279 0.52510 0.51757 0.51020 0.50299 0.49593 0.48902
0.38890 0.38051 0.37235 0.36443 0.35673 0.34925 0.34197
0.28387 0.27573 0.26788 0.26031 0.25300 0.24595 0.23914
0.20720 0.19980 0.19272 0.18593 0.17943 0.17320 0.16723
0.15124 0.14479 0.13865 0.13281 0.12726 0.12197 0.11695
0.11040 0.10492 0.09975 0.09486 0.09025 0.08590 0.08178
0.08058 0.07603 0.07176 0.06776 0.06401 0.06049 0.05719
0.05882 0.05509 0.05163 0.04840 0.04540 0.04260 0.03999
0.04293 0.03992 0.03714 0.03457 0.03220 0.03000 0.02797
0.03134 0.02893 0.02672 0.02469 0.02283 0.02113 0.01956
0.02287 0.02096 0.01922 0.01764 0.01619 0.01488 0.01368
0.01670 0.01519 0.01383 0.01260 0.01149 0.01048 0.00956
0.01219 0.01101 0.00995 0.00900 0.00815 0.00738 0.00669
0.00890 0.00798 0.00716 0.00643 0.00578 0.00520 0.00468
0.00649 0.00578 0.00515 0.00459 0.00410 0.00366 0.00327
0.00474 0.00419 0.00370 0.00328 0.00291 0.00258 0.00229
0.00346 0.00304 0.00267 0.00234 0.00206 0.00181 0.00160
0.00253 0.00220 0.00192 0.00167 0.00146 0.00128 0.00112
0.00184 0.00159 0.00138 0.00120 0.00104 0.00090 0.00078
0.00135 0.00115 0.00099 0.00085 0.00074 0.00063 0.00055
0.00098 0.00084 0.00071 0.00061 0.00052 0.00045 0.00038
0.00072 0.00061 0.00051 0.00044 0.00037 0.00031 0.00027
0.00052 0.00044 0.00037 0.00031 0.00026 0.00022 0.00019
0.00038 0.00032 0.00027 0.00022 0.00019 0.00016 0.00013
0.00028 0.00023 0.00019 0.00016 0.00013 0.00011 0.00009
0.00020 0.00017 0.00014 0.00011 0.00009 0.00008 0.00006
0.00015 0.00012 0.00010 0.00008 0.00007 0.00005 0.00004
0.00011 0.00009 0.00007 0.00006 0.00005 0.00004 0.00003
0.00008 0.00006 0.00005 0.00004 0.00003 0.00003 0.00002
0.00006 0.00005 0.00004 0.00003 0.00002 0.00002 0.00002
0.00004 0.00003 0.00003 0.00002 0.00002 0.00001 0.00001
0.00003 0.00002 0.00002 0.00002 0.00001 0.00001 0.00001
0.00002 0.00002 0.00001 0.00001 0.00001 0.00001 0.00001
0.00002 0.00001 0.00001 0.00001 0.00001 0.00000 0.00000
0.00001 0.00001 0.00001 0.00001 0.00000 0.00000 0.00000
0.00001 0.00001 0.00001 0.00000 0.00000 0.00000 0.00000
0.00001 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
44% 45% 46% 47% 48% 49% 50%0.69444 0.68966 0.68493 0.68027 0.67568 0.67114 0.66667
0.48225 0.47562 0.46913 0.46277 0.45654 0.45043 0.44444
0.33490 0.32802 0.32132 0.31481 0.30847 0.30230 0.29630
0.23257 0.22622 0.22008 0.21416 0.20843 0.20289 0.19753
0.16151 0.15601 0.15074 0.14568 0.14083 0.13617 0.13169
0.11216 0.10759 0.10325 0.09911 0.09515 0.09139 0.08779
0.07789 0.07420 0.07072 0.06742 0.06429 0.06133 0.05853
0.05409 0.05117 0.04844 0.04586 0.04344 0.04116 0.03902
0.03756 0.03529 0.03318 0.03120 0.02935 0.02763 0.02601
0.02608 0.02434 0.02272 0.02122 0.01983 0.01854 0.01734
0.01811 0.01679 0.01556 0.01444 0.01340 0.01244 0.01156
0.01258 0.01158 0.01066 0.00982 0.00905 0.00835 0.00771
0.00874 0.00798 0.00730 0.00668 0.00612 0.00561 0.00514
0.00607 0.00551 0.00500 0.00455 0.00413 0.00376 0.00343
0.00421 0.00380 0.00343 0.00309 0.00279 0.00252 0.00228
0.00293 0.00262 0.00235 0.00210 0.00189 0.00169 0.00152
0.00203 0.00181 0.00161 0.00143 0.00128 0.00114 0.00101
0.00141 0.00125 0.00110 0.00097 0.00086 0.00076 0.00068
0.00098 0.00086 0.00075 0.00066 0.00058 0.00051 0.00045
0.00068 0.00059 0.00052 0.00045 0.00039 0.00034 0.00030
0.00047 0.00041 0.00035 0.00031 0.00027 0.00023 0.00020
0.00033 0.00028 0.00024 0.00021 0.00018 0.00015 0.00013
0.00023 0.00019 0.00017 0.00014 0.00012 0.00010 0.00009
0.00016 0.00013 0.00011 0.00010 0.00008 0.00007 0.00006
0.00011 0.00009 0.00008 0.00007 0.00006 0.00005 0.00004
0.00008 0.00006 0.00005 0.00004 0.00004 0.00003 0.00003
0.00005 0.00004 0.00004 0.00003 0.00003 0.00002 0.00002
0.00004 0.00003 0.00003 0.00002 0.00002 0.00001 0.00001
0.00003 0.00002 0.00002 0.00001 0.00001 0.00001 0.00001
0.00002 0.00001 0.00001 0.00001 0.00001 0.00001 0.00001
0.00001 0.00001 0.00001 0.00001 0.00001 0.00000 0.00000
0.00001 0.00001 0.00001 0.00000 0.00000 0.00000 0.00000
0.00001 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000
TABLA A-3
redondeo =PERIODO 1% 2% 3% 4% 5% 6% 7% 8% 9%
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 2.0100 2.0200 2.0300 2.0400 2.0500 2.0600 2.0700 2.0800 2.0900
3 3.0301 3.0604 3.0909 3.1216 3.1525 3.1836 3.2149 3.2464 3.2781
4 4.0604 4.1216 4.1836 4.2465 4.3101 4.3746 4.4399 4.5061 4.5731
5 5.1010 5.2040 5.3091 5.4163 5.5256 5.6371 5.7507 5.8666 5.9847
6 6.1520 6.3081 6.4684 6.6330 6.8019 6.9753 7.1533 7.3359 7.5233
7 7.2135 7.4343 7.6625 7.8983 8.1420 8.3938 8.6540 8.9228 9.2004
8 8.2857 8.5830 8.8923 9.2142 9.5491 9.8975 10.2598 10.6366 11.0285
9 9.3685 9.7546 10.1591 10.5828 11.0266 11.4913 11.9780 12.4876 13.0210
10 10.4622 10.9497 11.4639 12.0061 12.5779 13.1808 13.8164 14.4866 15.1929
11 11.5668 12.1687 12.8078 13.4864 14.2068 14.9716 15.7836 16.6455 17.5603
12 12.6825 13.4121 14.1920 15.0258 15.9171 16.8699 17.8885 18.9771 20.1407
13 13.8093 14.6803 15.6178 16.6268 17.7130 18.8821 20.1406 21.4953 22.9534
14 14.9474 15.9739 17.0863 18.2919 19.5986 21.0151 22.5505 24.2149 26.0192
15 16.0969 17.2934 18.5989 20.0236 21.5786 23.2760 25.1290 27.1521 29.3609
16 17.2579 18.6393 20.1569 21.8245 23.6575 25.6725 27.8881 30.3243 33.0034
17 18.4304 20.0121 21.7616 23.6975 25.8404 28.2129 30.8402 33.7502 36.9737
18 19.6147 21.4123 23.4144 25.6454 28.1324 30.9057 33.9990 37.4502 41.3013
19 20.8109 22.8406 25.1169 27.6712 30.5390 33.7600 37.3790 41.4463 46.0185
20 22.0190 24.2974 26.8704 29.7781 33.0660 36.7856 40.9955 45.7620 51.1601
21 23.2392 25.7833 28.6765 31.9692 35.7193 39.9927 44.8652 50.4229 56.7645
22 24.4716 27.2990 30.5368 34.2480 38.5052 43.3923 49.0057 55.4568 62.8733
23 25.7163 28.8450 32.4529 36.6179 41.4305 46.9958 53.4361 60.8933 69.5319
24 26.9735 30.4219 34.4265 39.0826 44.5020 50.8156 58.1767 66.7648 76.7898
25 28.2432 32.0303 36.4593 41.6459 47.7271 54.8645 63.2490 73.1059 84.7009
26 29.5256 33.6709 38.5530 44.3117 51.1135 59.1564 68.6765 79.9544 93.3240
27 30.8209 35.3443 40.7096 47.0842 54.6691 63.7058 74.4838 87.3508 102.7231
28 32.1291 37.0512 42.9309 49.9676 58.4026 68.5281 80.6977 95.3388 112.9682
29 33.4504 38.7922 45.2189 52.9663 62.3227 73.6398 87.3465 103.9659 124.1354
30 34.7849 40.5681 47.5754 56.0849 66.4388 79.0582 94.4608 113.2832 136.3075
31 36.1327 42.3794 50.0027 59.3283 70.7608 84.8017 102.0730 123.3459 149.5752
32 37.4941 44.2270 52.5028 62.7015 75.2988 90.8898 110.2182 134.2135 164.0370
33 38.8690 46.1116 55.0778 66.2095 80.0638 97.3432 118.9334 145.9506 179.8003
34 40.2577 48.0338 57.7302 69.8579 85.0670 104.1838 128.2588 158.6267 196.9823
35 41.6603 49.9945 60.4621 73.6522 90.3203 111.4348 138.2369 172.3168 215.7108
36 43.0769 51.9944 63.2759 77.5983 95.8363 119.1209 148.9135 187.1021 236.1247
37 44.5076 54.0343 66.1742 81.7022 101.6281 127.2681 160.3374 203.0703 258.3759
38 45.9527 56.1149 69.1594 85.9703 107.7095 135.9042 172.5610 220.3159 282.6298
39 47.4123 58.2372 72.2342 90.4091 114.0950 145.0585 185.6403 238.9412 309.0665
40 48.8864 60.4020 75.4013 95.0255 120.7998 154.7620 199.6351 259.0565 337.8824
41 50.3752 62.6100 78.6633 99.8265 127.8398 165.0477 214.6096 280.7810 369.2919
42 51.8790 64.8622 82.0232 104.8196 135.2318 175.9505 230.6322 304.2435 403.5281
43 53.3978 67.1595 85.4839 110.0124 142.9933 187.5076 247.7765 329.5830 440.8457
44 54.9318 69.5027 89.0484 115.4129 151.1430 199.7580 266.1209 356.9496 481.5218
FACTORES DE INTERES DEL VALOR FUTURO PARA UNA ANUALIDAD ORDINARIA:
45 56.4811 71.8927 92.7199 121.0294 159.7002 212.7435 285.7493 386.5056 525.8587
46 58.0459 74.3306 96.5015 126.8706 168.6852 226.5081 306.7518 418.4261 574.1860
47 59.6263 76.8172 100.3965 132.9454 178.1194 241.0986 329.2244 452.9002 626.8628
48 61.2226 79.3535 104.4084 139.2632 188.0254 256.5645 353.2701 490.1322 684.2804
49 62.8348 81.9406 108.5406 145.8337 198.4267 272.9584 378.9990 530.3427 746.8656
50 64.4632 84.5794 112.7969 152.6671 209.3480 290.3359 406.5289 573.7702 815.0836
FVIFA= (1/i)*(((1+i)^n)-1)
410% 11% 12% 13% 14% 15% 16% 17% 18%
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2.1000 2.1100 2.1200 2.1300 2.1400 2.1500 2.1600 2.1700 2.1800
3.3100 3.3421 3.3744 3.4069 3.4396 3.4725 3.5056 3.5389 3.5724
4.6410 4.7097 4.7793 4.8498 4.9211 4.9934 5.0665 5.1405 5.2154
6.1051 6.2278 6.3528 6.4803 6.6101 6.7424 6.8771 7.0144 7.1542
7.7156 7.9129 8.1152 8.3227 8.5355 8.7537 8.9775 9.2068 9.4420
9.4872 9.7833 10.0890 10.4047 10.7305 11.0668 11.4139 11.7720 12.1415
11.4359 11.8594 12.2997 12.7573 13.2328 13.7268 14.2401 14.7733 15.3270
13.5795 14.1640 14.7757 15.4157 16.0853 16.7858 17.5185 18.2847 19.0859
15.9374 16.7220 17.5487 18.4197 19.3373 20.3037 21.3215 22.3931 23.5213
18.5312 19.5614 20.6546 21.8143 23.0445 24.3493 25.7329 27.1999 28.7551
21.3843 22.7132 24.1331 25.6502 27.2707 29.0017 30.8502 32.8239 34.9311
24.5227 26.2116 28.0291 29.9847 32.0887 34.3519 36.7862 39.4040 42.2187
27.9750 30.0949 32.3926 34.8827 37.5811 40.5047 43.6720 47.1027 50.8180
31.7725 34.4054 37.2797 40.4175 43.8424 47.5804 51.6595 56.1101 60.9653
35.9497 39.1899 42.7533 46.6717 50.9804 55.7175 60.9250 66.6488 72.9390
40.5447 44.5008 48.8837 53.7391 59.1176 65.0751 71.6730 78.9792 87.0680
45.5992 50.3959 55.7497 61.7251 68.3941 75.8364 84.1407 93.4056 103.7403
51.1591 56.9395 63.4397 70.7494 78.9692 88.2118 98.6032 110.2846 123.4135
57.2750 64.2028 72.0524 80.9468 91.0249 102.4436 115.3797 130.0329 146.6280
64.0025 72.2651 81.6987 92.4699 104.7684 118.8101 134.8405 153.1385 174.0210
71.4027 81.2143 92.5026 105.4910 120.4360 137.6316 157.4150 180.1721 206.3448
79.5430 91.1479 104.6029 120.2048 138.2970 159.2764 183.6014 211.8013 244.4868
88.4973 102.1742 118.1552 136.8315 158.6586 184.1678 213.9776 248.8076 289.4945
98.3471 114.4133 133.3339 155.6196 181.8708 212.7930 249.2140 292.1049 342.6035
109.1818 127.9988 150.3339 176.8501 208.3327 245.7120 290.0883 342.7627 405.2721
121.0999 143.0786 169.3740 200.8406 238.4993 283.5688 337.5024 402.0323 479.2211
134.2099 159.8173 190.6989 227.9499 272.8892 327.1041 392.5028 471.3778 566.4809
148.6309 178.3972 214.5828 258.5834 312.0937 377.1697 456.3032 552.5121 669.4475
164.4940 199.0209 241.3327 293.1992 356.7868 434.7451 530.3117 647.4391 790.9480
181.9434 221.9132 271.2926 332.3151 407.7370 500.9569 616.1616 758.5038 934.3186
201.1378 247.3236 304.8477 376.5161 465.8202 577.1005 715.7475 888.4494 1103.4960
222.2515 275.5292 342.4294 426.4632 532.0350 664.6655 831.2671 1040.4858 1303.1253
245.4767 306.8374 384.5210 482.9034 607.5199 765.3654 965.2698 1218.3684 1538.6878
271.0244 341.5896 431.6635 546.6808 693.5727 881.1702 1120.7130 1426.4910 1816.6516
299.1268 380.1644 484.4631 618.7493 791.6729 1014.3457 1301.0270 1669.9945 2144.6489
330.0395 422.9825 543.5987 700.1867 903.5071 1167.4975 1510.1914 1954.8936 2531.6857
364.0434 470.5106 609.8305 792.2110 1030.9981 1343.6222 1752.8220 2288.2255 2988.3891
401.4478 523.2667 684.0102 896.1984 1176.3378 1546.1655 2034.2735 2678.2238 3527.2992
442.5926 581.8261 767.0914 1013.7042 1342.0251 1779.0903 2360.7572 3134.5218 4163.2130
487.8518 646.8269 860.1424 1146.4858 1530.9086 2046.9539 2739.4784 3668.3906 4913.5914
537.6370 718.9779 964.3595 1296.5289 1746.2358 2354.9969 3178.7949 4293.0169 5799.0378
592.4007 799.0655 1081.0826 1466.0777 1991.7088 2709.2465 3688.4021 5023.8298 6843.8646
652.6408 887.9627 1211.8125 1657.6678 2271.5481 3116.6334 4279.5465 5878.8809 8076.7603
FACTORES DE INTERES DEL VALOR FUTURO PARA UNA ANUALIDAD
718.9048 986.6386 1358.2300 1874.1646 2590.5648 3585.1285 4965.2739 6879.2907 9531.5771
791.7953 1096.1688 1522.2176 2118.8060 2954.2439 4123.8977 5760.7177 8049.7701 11248.2610
871.9749 1217.7474 1705.8838 2395.2508 3368.8380 4743.4824 6683.4326 9419.2310 13273.9480
960.1723 1352.6996 1911.5898 2707.6334 3841.4753 5456.0047 7753.7818 11021.5002 15664.2586
1057.1896 1502.4965 2141.9806 3060.6258 4380.2819 6275.4055 8995.3869 12896.1553 18484.8251
1163.9085 1668.7712 2400.0182 3459.5071 4994.5213 7217.7163 10435.6488 15089.5017 21813.0937
19% 20% 21% 22% 23% 24% 25% 26%1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2.1900 2.2000 2.2100 2.2200 2.2300 2.2400 2.2500 2.2600
3.6061 3.6400 3.6741 3.7084 3.7429 3.7776 3.8125 3.8476
5.2913 5.3680 5.4457 5.5242 5.6038 5.6842 5.7656 5.8480
7.2966 7.4416 7.5892 7.7396 7.8926 8.0484 8.2070 8.3684
9.6830 9.9299 10.1830 10.4423 10.7079 10.9801 11.2588 11.5442
12.5227 12.9159 13.3214 13.7396 14.1708 14.6153 15.0735 15.5458
15.9020 16.4991 17.1189 17.7623 18.4300 19.1229 19.8419 20.5876
19.9234 20.7989 21.7139 22.6700 23.6690 24.7125 25.8023 26.9404
24.7089 25.9587 27.2738 28.6574 30.1128 31.6434 33.2529 34.9449
30.4035 32.1504 34.0013 35.9620 38.0388 40.2379 42.5661 45.0306
37.1802 39.5805 42.1416 44.8737 47.7877 50.8950 54.2077 57.7386
45.2445 48.4966 51.9913 55.7459 59.7788 64.1097 68.7596 73.7506
54.8409 59.1959 63.9095 69.0100 74.5280 80.4961 86.9495 93.9258
66.2607 72.0351 78.3305 85.1922 92.6694 100.8151 109.6868 119.3465
79.8502 87.4421 95.7799 104.9345 114.9834 126.0108 138.1085 151.3766
96.0218 105.9306 116.8937 129.0201 142.4295 157.2534 173.6357 191.7345
115.2659 128.1167 142.4413 158.4045 176.1883 195.9942 218.0446 242.5855
138.1664 154.7400 173.3540 194.2535 217.7116 244.0328 273.5558 306.6577
165.4180 186.6880 210.7584 237.9893 268.7853 303.6006 342.9447 387.3887
197.8474 225.0256 256.0176 291.3469 331.6059 377.4648 429.6809 489.1098
236.4385 271.0307 310.7813 356.4432 408.8753 469.0563 538.1011 617.2783
282.3618 326.2369 377.0454 435.8607 503.9166 582.6298 673.6264 778.7707
337.0105 392.4842 457.2249 532.7501 620.8174 723.4610 843.0329 982.2511
402.0425 471.9811 554.2422 650.9551 764.6054 898.0916 1054.7912 1238.6363
479.4306 567.3773 671.6330 795.1653 941.4647 1114.6336 1319.4890 1561.6818
571.5224 681.8528 813.6759 971.1016 1159.0016 1383.1457 1650.3612 1968.7191
681.1116 819.2233 985.5479 1185.7440 1426.5719 1716.1007 2063.9515 2481.5860
811.5228 984.0680 1193.5129 1447.6077 1755.6835 2128.9648 2580.9394 3127.7984
966.7122 1181.8816 1445.1507 1767.0813 2160.4907 2640.9164 3227.1743 3942.0260
1151.3875 1419.2579 1749.6323 2156.8392 2658.4036 3275.7363 4034.9678 4967.9527
1371.1511 1704.1095 2118.0551 2632.3439 3270.8364 4062.9130 5044.7098 6260.6204
1632.6698 2045.9314 2563.8467 3212.4595 4024.1287 5039.0122 6306.8872 7889.3817
1943.8771 2456.1176 3103.2545 3920.2006 4950.6783 6249.3751 7884.6091 9941.6210
2314.2137 2948.3411 3755.9379 4783.6447 6090.3344 7750.2251 9856.7613 12527.4424
2754.9143 3539.0094 4545.6848 5837.0466 7492.1113 9611.2791 12321.9516 15785.5774
3279.3481 4247.8112 5501.2787 7122.1968 9216.2969 11918.9861 15403.4396 19890.8276
3903.4242 5098.3735 6657.5472 8690.0801 11337.0451 14780.5428 19255.2994 25063.4428
4646.0748 6119.0482 8056.6321 10602.8978 13945.5655 18328.8731 24070.1243 31580.9379
5529.8290 7343.8578 9749.5248 12936.5353 17154.0456 22728.8026 30088.6554 39792.9817
6581.4965 8813.6294 11797.9250 15783.5730 21100.4761 28184.7152 37611.8192 50140.1570
7832.9808 10577.3553 14276.4893 19256.9591 25954.5856 34950.0469 47015.7740 63177.5978
9322.2472 12693.8263 17275.5521 23494.4901 31925.1403 43339.0581 58770.7175 79604.7732
11094.4741 15233.5916 20904.4180 28664.2779 39268.9225 53741.4321 73464.3969 100303.0142
13203.4242 18281.3099 25295.3458 34971.4191 48301.7747 66640.3758 91831.4962 126382.7979
15713.0748 21938.5719 30608.3684 42666.1312 59412.1829 82635.0660 114790.3702 159243.3254
18699.5590 26327.2863 37037.1257 52053.6801 73077.9850 102468.4818 143488.9627 200647.5900
22253.4753 31593.7436 44815.9221 63506.4897 89886.9215 127061.9174 179362.2034 252816.9634
26482.6356 37913.4923 54228.2658 77478.9175 110561.9135 157557.7776 224203.7543 318550.3739
31515.3363 45497.1908 65617.2016 94525.2793 135992.1536 195372.6442 280255.6929 401374.4711
27% 28% 29% 30% 31% 32% 33% 34%1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2.2700 2.2800 2.2900 2.3000 2.3100 2.3200 2.3300 2.3400
3.8829 3.9184 3.9541 3.9900 4.0261 4.0624 4.0989 4.1356
5.9313 6.0156 6.1008 6.1870 6.2742 6.3624 6.4515 6.5417
8.5327 8.6999 8.8700 9.0431 9.2192 9.3983 9.5805 9.7659
11.8366 12.1359 12.4423 12.7560 13.0771 13.4058 13.7421 14.0863
16.0324 16.5339 17.0506 17.5828 18.1311 18.6956 19.2770 19.8756
21.3612 22.1634 22.9953 23.8577 24.7517 25.6782 26.6384 27.6333
28.1287 29.3692 30.6639 32.0150 33.4247 34.8953 36.4291 38.0287
36.7235 38.5926 40.5564 42.6195 44.7864 47.0618 49.4507 51.9584
47.6388 50.3985 53.3178 56.4053 59.6701 63.1215 66.7695 70.6243
61.5013 65.5100 69.7800 74.3270 79.1679 84.3204 89.8034 95.6365
79.1066 84.8529 91.0161 97.6250 104.7099 112.3030 120.4385 129.1529
101.4654 109.6117 118.4108 127.9125 138.1700 149.2399 161.1833 174.0649
129.8611 141.3029 153.7500 167.2863 182.0027 197.9967 215.3737 234.2470
165.9236 181.8677 199.3374 218.4722 239.4235 262.3557 287.4471 314.8910
211.7230 233.7907 258.1453 285.0139 314.6448 347.3095 383.3046 422.9539
269.8882 300.2521 334.0074 371.5180 413.1847 459.4485 510.7951 567.7583
343.7580 385.3227 431.8696 483.9734 542.2719 607.4721 680.3575 761.7961
437.5726 494.2131 558.1118 630.1655 711.3762 802.8631 905.8755 1021.8068
556.7173 633.5927 720.9642 820.2151 932.9028 1060.7793 1205.8144 1370.2211
708.0309 811.9987 931.0438 1067.2796 1223.1027 1401.2287 1604.7332 1837.0962
900.1993 1040.3583 1202.0465 1388.4635 1603.2645 1850.6219 2135.2951 2462.7089
1144.2531 1332.6586 1551.6400 1806.0026 2101.2765 2443.8209 2840.9425 3301.0300
1454.2014 1706.8031 2002.6156 2348.8033 2753.6722 3226.8436 3779.4536 4424.3801
1847.8358 2185.7079 2584.3741 3054.4443 3608.3106 4260.4336 5027.6732 5929.6694
2347.7515 2798.7061 3334.8426 3971.7776 4727.8868 5624.7723 6687.8054 7946.7570
2982.6443 3583.3438 4302.9470 5164.3109 6194.5318 7425.6994 8895.7812 10649.6543
3788.9583 4587.6801 5551.8016 6714.6042 8115.8366 9802.9233 11832.3890 14271.5368
4812.9771 5873.2306 7162.8241 8729.9855 10632.7460 12940.8587 15738.0774 19124.8593
6113.4809 7518.7351 9241.0431 11349.9811 13929.8972 17082.9335 20932.6429 25628.3115
7765.1207 9624.9810 11921.9456 14755.9755 18249.1653 22550.4722 27841.4150 34342.9374
9862.7033 12320.9756 15380.3098 19183.7681 23907.4066 29767.6233 37030.0820 46020.5362
12526.6332 15771.8488 19841.5997 24939.8985 31319.7026 39294.2628 49251.0090 61668.5185
15909.8242 20188.9665 25596.6636 32422.8681 41029.8105 51869.4269 65504.8420 82636.8147
20206.4767 25842.8771 33020.6960 42150.7285 53750.0517 68468.6435 87122.4399 110734.3317
25663.2254 33079.8826 42597.6978 54796.9471 70413.5677 90379.6094 115873.8451 148385.0045
32593.2963 42343.2498 54952.0302 71237.0312 92242.7737 119302.0844 154113.2139 198836.9061
41394.4863 54200.3597 70889.1190 92609.1405 120839.0336 157479.7515 204971.5745 266442.4541
52571.9976 69377.4604 91447.9635 120392.8827 158300.1340 207874.2719 272613.1941 357033.8885
66767.4369 88804.1494 117968.8729 156511.7475 207374.1756 274395.0390 362576.5482 478426.4106
84795.6449 113670.3112 152180.8460 203466.2718 271661.1700 362202.4514 482227.8091 641092.3902
107691.4690 145498.9983 196314.2913 264507.1533 355877.1327 478108.2359 641363.9861 859064.8029
136769.1656 186239.7178 253246.4358 343860.2993 466200.0438 631103.8714 853015.1015 1151147.8359
173697.8403 238387.8388 326688.9022 447019.3890 610723.0574 833058.1102 1134511.0850 1542539.1001
220597.2572 305137.4337 421429.6838 581126.2058 800048.2052 1099637.7055 1508900.7431 2067003.3942
280159.5166 390576.9151 543645.2922 755465.0675 1048064.1488 1451522.7712 2006838.9883 2769785.5482
355803.5861 499939.4514 701303.4269 982105.5877 1372965.0349 1916011.0580 2669096.8545 3711513.6346
451871.5544 639923.4978 904682.4207 1276738.2640 1798585.1957 2529135.5966 3549899.8165 4973429.2704
573877.8741 819103.0771 1167041.3227 1659760.7433 2356147.6064 3338459.9875 4721367.7559 6664396.2223
35% 36% 37% 38% 39% 40% 41%1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2.3500 2.3600 2.3700 2.3800 2.3900 2.4000 2.4100
4.1725 4.2096 4.2469 4.2844 4.3221 4.3600 4.3981
6.6329 6.7251 6.8183 6.9125 7.0077 7.1040 7.2013
9.9544 10.1461 10.3410 10.5392 10.7407 10.9456 11.1539
14.4384 14.7987 15.1672 15.5441 15.9296 16.3238 16.7269
20.4919 21.1262 21.7790 22.4509 23.1422 23.8534 24.5850
28.6640 29.7316 30.8373 31.9822 33.1676 34.3947 35.6648
39.6964 41.4350 43.2471 45.1354 47.1030 49.1526 51.2874
54.5902 57.3516 60.2485 63.2869 66.4731 69.8137 73.3153
74.6967 78.9982 83.5404 88.3359 93.3977 98.7391 104.3745
101.8406 108.4375 115.4504 122.9036 130.8227 139.2348 148.1681
138.4848 148.4750 159.1670 170.6070 182.8436 195.9287 209.9170
187.9544 202.9260 219.0588 236.4376 255.1526 275.3002 296.9830
254.7385 276.9793 301.1106 327.2839 355.6621 386.4202 419.7460
344.8970 377.6919 413.5215 452.6518 495.3704 541.9883 592.8419
466.6109 514.6610 567.5245 625.6595 689.5648 759.7837 836.9070
630.9247 700.9389 778.5085 864.4101 959.4951 1064.6971 1181.0389
852.7483 954.2769 1067.5567 1193.8859 1334.6982 1491.5760 1666.2649
1152.2103 1298.8166 1463.5527 1648.5625 1856.2305 2089.2064 2350.4335
1556.4838 1767.3906 2006.0672 2276.0163 2581.1604 2925.8889 3315.1112
2102.2532 2404.6512 2749.3120 3141.9025 3588.8129 4097.2445 4675.3068
2839.0418 3271.3256 3767.5575 4336.8254 4989.4499 5737.1423 6593.1826
3833.7064 4450.0029 5162.5537 5985.8191 6936.3354 8032.9993 9297.3875
5176.5037 6053.0039 7073.6986 8261.4304 9642.5062 11247.1990 13110.3164
6989.2800 8233.0853 9691.9671 11401.7739 13404.0837 15747.0785 18486.5461
9436.5280 11197.9960 13278.9949 15735.4480 18632.6763 22046.9099 26067.0300
12740.3128 15230.2745 18193.2231 21715.9182 25900.4201 30866.6739 36755.5122
17200.4222 20714.1734 24925.7156 29968.9671 36002.5839 43214.3435 51826.2723
23221.5700 28172.2758 34149.2304 41358.1746 50044.5916 60501.0809 73076.0439
31350.1195 38315.2951 46785.4456 57075.2810 69562.9823 84702.5132 103038.2219
42323.6613 52109.8013 64097.0605 78764.8878 96693.5454 118584.5185 145284.8929
57137.9428 70870.3298 87813.9728 108696.5451 134405.0282 166019.3260 204852.6989
77137.2228 96384.6485 120306.1428 150002.2322 186823.9891 232428.0563 288843.3055
104136.2508 131084.1219 164820.4156 207004.0805 259686.3449 325400.2789 407270.0607
140584.9385 178275.4058 225804.9694 285666.6311 360965.0194 455561.3904 574251.7856
189790.6670 242455.5519 309353.8081 394220.9509 501742.3770 637786.9466 809696.0177
256218.4004 329740.5506 423815.7171 544025.9122 697422.9041 892902.7252 1141672.3850
345895.8406 448448.1488 580628.5324 750756.7589 969418.8366 1250064.8153 1609759.0628
466960.3848 609890.4824 795462.0894 1036045.3272 1347493.1829 1750091.7415 2269761.2786
630397.5195 829452.0560 1089784.0625 1429743.5516 1873016.5243 2450129.4381 3200364.4028
851037.6513 1128055.7962 1493005.1656 1973047.1012 2603493.9687 3430182.2133 4512514.8080
1148901.8293 1534156.8828 2045418.0768 2722805.9996 3618857.6165 4802256.0986 6362646.8793
1551018.4695 2086454.3606 2802223.7653 3757473.2795 5030213.0870 6723159.5381 8971333.0997
2093875.9338 2837578.9304 3839047.5584 5185314.1257 6991997.1909 9412424.3533 12649580.6706
2826733.5107 3859108.3453 5259496.1551 7155734.4935 9718877.0953 13177395.0946 17835909.7456
3816091.2394 5248388.3497 7205510.7324 9874914.6010 13509240.1625 18448354.1324 25148633.7413
5151724.1732 7137809.1555 9871550.7034 13627383.1494 18777844.8259 25827696.7854 35459574.5752
6954828.6338 9707421.4515 13524025.4637 18805789.7462 26101205.3080 36158776.4996 49998001.1511
9389019.6556 13202094.1741 18527915.8853 25951990.8498 36280676.3781 50622288.0994 70497182.6230
42% 43% 44% 45% 46% 47%1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2.4200 2.4300 2.4400 2.4500 2.4600 2.4700
4.4364 4.4749 4.5136 4.5525 4.5916 4.6309
7.2997 7.3991 7.4996 7.6011 7.7037 7.8074
11.3656 11.5807 11.7994 12.0216 12.2475 12.4769
17.1391 17.5604 17.9911 18.4314 18.8813 19.3411
25.3375 26.1114 26.9072 27.7255 28.5667 29.4314
36.9793 38.3393 39.7464 41.2019 42.7073 44.2641
53.5106 55.8252 58.2348 60.7428 63.3527 66.0682
76.9850 80.8301 84.8582 89.0771 93.4950 98.1203
110.3187 116.5870 123.1958 130.1618 137.5027 145.2368
157.6525 167.7195 178.4019 189.7346 201.7539 214.4981
224.8666 240.8388 257.8988 276.1151 295.5607 316.3123
320.3106 345.3995 372.3742 401.3670 432.5186 465.9790
455.8410 494.9213 537.2189 582.9821 632.4771 685.9891
648.2942 708.7375 774.5952 846.3240 924.4166 1009.4040
921.5778 1014.4947 1116.4171 1228.1699 1350.6483 1484.8239
1309.6404 1451.7274 1608.6406 1781.8463 1972.9465 2183.6912
1860.6894 2076.9701 2317.4425 2584.6771 2881.5019 3211.0261
2643.1789 2971.0673 3338.1172 3748.7818 4207.9927 4721.2083
3754.3141 4249.6262 4807.8888 5436.7336 6144.6694 6941.1762
5332.1260 6077.9655 6924.3598 7884.2638 8972.2173 10204.5290
7572.6189 8692.4906 9972.0781 11433.1824 13100.4372 15001.6577
10754.1189 12431.2616 14360.7925 16579.1145 19127.6383 22053.4368
15271.8488 17777.7041 20680.5413 24040.7161 27927.3519 32419.5520
21687.0253 25423.1168 29780.9794 34860.0383 40774.9338 47657.7415
30796.5759 36356.0571 42885.6103 50548.0556 59532.4034 70057.8800
43732.1378 51990.1616 61756.2789 73295.6806 86918.3090 102986.0836
62100.6357 74346.9311 88930.0416 106279.7368 126901.7311 151390.5428
88183.9027 106317.1115 128060.2599 154106.6184 185277.5274 222545.0980
125222.1419 152034.4694 184407.7742 223455.5967 270506.1900 327142.2940
177816.4415 217410.2912 265548.1949 324011.6152 394940.0373 480900.1722
252500.3469 310897.7165 382390.4007 469817.8421 576613.4545 706924.2531
358551.4926 444584.7345 550643.1770 681236.8710 841856.6436 1039179.6520
509144.1195 635757.1704 792927.1748 987794.4630 1229111.6996 1527595.0885
722985.6496 909133.7536 1141816.1318 1432302.9713 1794504.0815 2245565.7801
1026640.6225 1300062.2677 1644216.2298 2076840.3084 2619976.9589 3300982.6967
1457830.6839 1859090.0428 2367672.3709 3011419.4472 3825167.3601 4852445.5641
2070120.5711 2658499.7613 3409449.2140 4366559.1985 5584745.3457 7133095.9792
2939572.2110 3801655.6586 4909607.8682 6331511.8378 8153729.2047 10485652.0895
4174193.5396 5436368.5918 7069836.3302 9180693.1648 11904445.6389 15413909.5716
5927355.8263 7774008.0863 10180565.3155 13312006.0890 17380491.6328 22658448.0702
8416846.2733 11116832.5634 14660015.0543 19302409.8290 25375518.7838 33307919.6632
11951922.7081 15897071.5656 21110422.6782 27988495.2521 37048258.4244 48962642.9049
16971731.2455 22732813.3388 30399009.6567 40583319.1155 54090458.2996 71975086.0702
24099859.3686 32507924.0745 43774574.9056 58845813.7175 78972070.1174 105803377.5231
34221801.3034 46486332.4266 63035388.8641 85326430.8904 115299223.3714 155530965.9590
48594958.8508 66475456.3700 90770960.9643 123723325.7910 168336867.1223 228630520.9598
69004842.5681 95059903.6091 130710184.7885 179398823.3970 245771826.9985 336086866.8109
97986877.4468 135935663.1610 188222667.0955 260128294.9257 358826868.4178 494047695.2120
48% 49% 50%1.0000 1.0000 1.0000
2.4800 2.4900 2.5000
4.6704 4.7101 4.7500
7.9122 8.0180 8.1250
12.7100 12.9469 13.1875
19.8109 20.2909 20.7813
30.3201 31.2334 32.1719
45.8737 47.5378 49.2578
68.8931 71.8313 74.8867
102.9618 108.0286 113.3301
153.3835 161.9626 170.9951
228.0075 242.3243 257.4927
338.4511 362.0631 387.2390
501.9077 540.4741 581.8585
743.8233 806.3064 873.7878
1101.8585 1202.3965 1311.6817
1631.7506 1792.5708 1968.5225
2415.9910 2671.9305 2953.7838
3576.6666 3982.1765 4431.6756
5294.4666 5934.4430 6648.5135
7836.8106 8843.3201 9973.7702
11599.4796 13177.5469 14961.6553
17168.2299 19635.5449 22443.4829
25409.9802 29257.9619 33666.2244
37607.7707 43595.3632 50500.3366
55660.5006 64958.0912 75751.5049
82378.5409 96788.5559 113628.2573
121921.2405 144215.9482 170443.3860
180444.4359 214882.7629 255666.0790
267058.7652 320176.3167 383500.1185
395247.9724 477063.7118 575251.1777
584967.9992 710825.9306 862877.7665
865753.6388 1059131.6366 1294317.6498
1281316.3854 1578107.1385 1941477.4747
1896349.2504 2351380.6364 2912217.2121
2806597.8906 3503558.1483 4368326.8181
4153765.8781 5220302.6409 6552491.2272
6147574.4996 7778251.9349 9828737.8408
9098411.2594 11589596.3831 14743107.7613
13465649.6639 17268499.6108 22114662.6419
19929162.5026 25730065.4200 33171994.9628
29495161.5039 38337798.4758 49757993.4442
43652840.0257 57123320.7290 74636991.1663
64606204.2381 85113748.8862 111955487.7495
95617183.2724 126819486.8405 167933232.6243
141513432.2431 188961036.3923 251899849.9364
209439880.7198 281551945.2245 377849775.9046
309971024.4653 419512399.3845 566774664.8569
458757117.2087 625073476.0830 850161998.2854
678960534.4689 931359480.3636 1275242998.4281
TABLA A-4
redondeo =PERIODO 1% 2% 3% 4% 5% 6% 7% 8% 9%
1 0.9901 0.9804 0.9709 0.9615 0.9524 0.9434 0.9346 0.9259 0.9174
2 1.9704 1.9416 1.9135 1.8861 1.8594 1.8334 1.8080 1.7833 1.7591
3 2.9410 2.8839 2.8286 2.7751 2.7232 2.6730 2.6243 2.5771 2.5313
4 3.9020 3.8077 3.7171 3.6299 3.5460 3.4651 3.3872 3.3121 3.2397
5 4.8534 4.7135 4.5797 4.4518 4.3295 4.2124 4.1002 3.9927 3.8897
6 5.7955 5.6014 5.4172 5.2421 5.0757 4.9173 4.7665 4.6229 4.4859
7 6.7282 6.4720 6.2303 6.0021 5.7864 5.5824 5.3893 5.2064 5.0330
8 7.6517 7.3255 7.0197 6.7327 6.4632 6.2098 5.9713 5.7466 5.5348
9 8.5660 8.1622 7.7861 7.4353 7.1078 6.8017 6.5152 6.2469 5.9952
10 9.4713 8.9826 8.5302 8.1109 7.7217 7.3601 7.0236 6.7101 6.4177
11 10.3676 9.7868 9.2526 8.7605 8.3064 7.8869 7.4987 7.1390 6.8052
12 11.2551 10.5753 9.9540 9.3851 8.8633 8.3838 7.9427 7.5361 7.1607
13 12.1337 11.3484 10.6350 9.9856 9.3936 8.8527 8.3577 7.9038 7.4869
14 13.0037 12.1062 11.2961 10.5631 9.8986 9.2950 8.7455 8.2442 7.7862
15 13.8651 12.8493 11.9379 11.1184 10.3797 9.7122 9.1079 8.5595 8.0607
16 14.7179 13.5777 12.5611 11.6523 10.8378 10.1059 9.4466 8.8514 8.3126
17 15.5623 14.2919 13.1661 12.1657 11.2741 10.4773 9.7632 9.1216 8.5436
18 16.3983 14.9920 13.7535 12.6593 11.6896 10.8276 10.0591 9.3719 8.7556
19 17.2260 15.6785 14.3238 13.1339 12.0853 11.1581 10.3356 9.6036 8.9501
20 18.0456 16.3514 14.8775 13.5903 12.4622 11.4699 10.5940 9.8181 9.1285
21 18.8570 17.0112 15.4150 14.0292 12.8212 11.7641 10.8355 10.0168 9.2922
22 19.6604 17.6580 15.9369 14.4511 13.1630 12.0416 11.0612 10.2007 9.4424
23 20.4558 18.2922 16.4436 14.8568 13.4886 12.3034 11.2722 10.3711 9.5802
24 21.2434 18.9139 16.9355 15.2470 13.7986 12.5504 11.4693 10.5288 9.7066
25 22.0232 19.5235 17.4131 15.6221 14.0939 12.7834 11.6536 10.6748 9.8226
26 22.7952 20.1210 17.8768 15.9828 14.3752 13.0032 11.8258 10.8100 9.9290
27 23.5596 20.7069 18.3270 16.3296 14.6430 13.2105 11.9867 10.9352 10.0266
28 24.3164 21.2813 18.7641 16.6631 14.8981 13.4062 12.1371 11.0511 10.1161
29 25.0658 21.8444 19.1885 16.9837 15.1411 13.5907 12.2777 11.1584 10.1983
30 25.8077 22.3965 19.6004 17.2920 15.3725 13.7648 12.4090 11.2578 10.2737
31 26.5423 22.9377 20.0004 17.5885 15.5928 13.9291 12.5318 11.3498 10.3428
32 27.2696 23.4683 20.3888 17.8736 15.8027 14.0840 12.6466 11.4350 10.4062
33 27.9897 23.9886 20.7658 18.1476 16.0025 14.2302 12.7538 11.5139 10.4644
34 28.7027 24.4986 21.1318 18.4112 16.1929 14.3681 12.8540 11.5869 10.5178
35 29.4086 24.9986 21.4872 18.6646 16.3742 14.4982 12.9477 11.6546 10.5668
36 30.1075 25.4888 21.8323 18.9083 16.5469 14.6210 13.0352 11.7172 10.6118
37 30.7995 25.9695 22.1672 19.1426 16.7113 14.7368 13.1170 11.7752 10.6530
38 31.4847 26.4406 22.4925 19.3679 16.8679 14.8460 13.1935 11.8289 10.6908
39 32.1630 26.9026 22.8082 19.5845 17.0170 14.9491 13.2649 11.8786 10.7255
40 32.8347 27.3555 23.1148 19.7928 17.1591 15.0463 13.3317 11.9246 10.7574
41 33.4997 27.7995 23.4124 19.9931 17.2944 15.1380 13.3941 11.9672 10.7866
42 34.1581 28.2348 23.7014 20.1856 17.4232 15.2245 13.4524 12.0067 10.8134
43 34.8100 28.6616 23.9819 20.3708 17.5459 15.3062 13.5070 12.0432 10.8380
44 35.4555 29.0800 24.2543 20.5488 17.6628 15.3832 13.5579 12.0771 10.8605
FACTORES DE INTERES DEL VALOR PRESENTE PARA UNA ANUALIDAD ORDINARIA:
45 36.0945 29.4902 24.5187 20.7200 17.7741 15.4558 13.6055 12.1084 10.8812
46 36.7272 29.8923 24.7754 20.8847 17.8801 15.5244 13.6500 12.1374 10.9002
47 37.3537 30.2866 25.0247 21.0429 17.9810 15.5890 13.6916 12.1643 10.9176
48 37.9740 30.6731 25.2667 21.1951 18.0772 15.6500 13.7305 12.1891 10.9336
49 38.5881 31.0521 25.5017 21.3415 18.1687 15.7076 13.7668 12.2122 10.9482
50 39.1961 31.4236 25.7298 21.4822 18.2559 15.7619 13.8007 12.2335 10.9617
PVIFA= (1/i)*(1-(1/(1+i)^n))
410% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20%
0.9091 0.9009 0.8929 0.8850 0.8772 0.8696 0.8621 0.8547 0.8475 0.8403 0.8333
1.7355 1.7125 1.6901 1.6681 1.6467 1.6257 1.6052 1.5852 1.5656 1.5465 1.5278
2.4869 2.4437 2.4018 2.3612 2.3216 2.2832 2.2459 2.2096 2.1743 2.1399 2.1065
3.1699 3.1024 3.0373 2.9745 2.9137 2.8550 2.7982 2.7432 2.6901 2.6386 2.5887
3.7908 3.6959 3.6048 3.5172 3.4331 3.3522 3.2743 3.1993 3.1272 3.0576 2.9906
4.3553 4.2305 4.1114 3.9975 3.8887 3.7845 3.6847 3.5892 3.4976 3.4098 3.3255
4.8684 4.7122 4.5638 4.4226 4.2883 4.1604 4.0386 3.9224 3.8115 3.7057 3.6046
5.3349 5.1461 4.9676 4.7988 4.6389 4.4873 4.3436 4.2072 4.0776 3.9544 3.8372
5.7590 5.5370 5.3282 5.1317 4.9464 4.7716 4.6065 4.4506 4.3030 4.1633 4.0310
6.1446 5.8892 5.6502 5.4262 5.2161 5.0188 4.8332 4.6586 4.4941 4.3389 4.1925
6.4951 6.2065 5.9377 5.6869 5.4527 5.2337 5.0286 4.8364 4.6560 4.4865 4.3271
6.8137 6.4924 6.1944 5.9176 5.6603 5.4206 5.1971 4.9884 4.7932 4.6105 4.4392
7.1034 6.7499 6.4235 6.1218 5.8424 5.5831 5.3423 5.1183 4.9095 4.7147 4.5327
7.3667 6.9819 6.6282 6.3025 6.0021 5.7245 5.4675 5.2293 5.0081 4.8023 4.6106
7.6061 7.1909 6.8109 6.4624 6.1422 5.8474 5.5755 5.3242 5.0916 4.8759 4.6755
7.8237 7.3792 6.9740 6.6039 6.2651 5.9542 5.6685 5.4053 5.1624 4.9377 4.7296
8.0216 7.5488 7.1196 6.7291 6.3729 6.0472 5.7487 5.4746 5.2223 4.9897 4.7746
8.2014 7.7016 7.2497 6.8399 6.4674 6.1280 5.8178 5.5339 5.2732 5.0333 4.8122
8.3649 7.8393 7.3658 6.9380 6.5504 6.1982 5.8775 5.5845 5.3162 5.0700 4.8435
8.5136 7.9633 7.4694 7.0248 6.6231 6.2593 5.9288 5.6278 5.3527 5.1009 4.8696
8.6487 8.0751 7.5620 7.1016 6.6870 6.3125 5.9731 5.6648 5.3837 5.1268 4.8913
8.7715 8.1757 7.6446 7.1695 6.7429 6.3587 6.0113 5.6964 5.4099 5.1486 4.9094
8.8832 8.2664 7.7184 7.2297 6.7921 6.3988 6.0442 5.7234 5.4321 5.1668 4.9245
8.9847 8.3481 7.7843 7.2829 6.8351 6.4338 6.0726 5.7465 5.4509 5.1822 4.9371
9.0770 8.4217 7.8431 7.3300 6.8729 6.4641 6.0971 5.7662 5.4669 5.1951 4.9476
9.1609 8.4881 7.8957 7.3717 6.9061 6.4906 6.1182 5.7831 5.4804 5.2060 4.9563
9.2372 8.5478 7.9426 7.4086 6.9352 6.5135 6.1364 5.7975 5.4919 5.2151 4.9636
9.3066 8.6016 7.9844 7.4412 6.9607 6.5335 6.1520 5.8099 5.5016 5.2228 4.9697
9.3696 8.6501 8.0218 7.4701 6.9830 6.5509 6.1656 5.8204 5.5098 5.2292 4.9747
9.4269 8.6938 8.0552 7.4957 7.0027 6.5660 6.1772 5.8294 5.5168 5.2347 4.9789
9.4790 8.7331 8.0850 7.5183 7.0199 6.5791 6.1872 5.8371 5.5227 5.2392 4.9824
9.5264 8.7686 8.1116 7.5383 7.0350 6.5905 6.1959 5.8437 5.5277 5.2430 4.9854
9.5694 8.8005 8.1354 7.5560 7.0482 6.6005 6.2034 5.8493 5.5320 5.2462 4.9878
9.6086 8.8293 8.1566 7.5717 7.0599 6.6091 6.2098 5.8541 5.5356 5.2489 4.9898
9.6442 8.8552 8.1755 7.5856 7.0700 6.6166 6.2153 5.8582 5.5386 5.2512 4.9915
9.6765 8.8786 8.1924 7.5979 7.0790 6.6231 6.2201 5.8617 5.5412 5.2531 4.9929
9.7059 8.8996 8.2075 7.6087 7.0868 6.6288 6.2242 5.8647 5.5434 5.2547 4.9941
9.7327 8.9186 8.2210 7.6183 7.0937 6.6338 6.2278 5.8673 5.5452 5.2561 4.9951
9.7570 8.9357 8.2330 7.6268 7.0997 6.6380 6.2309 5.8695 5.5468 5.2572 4.9959
9.7791 8.9511 8.2438 7.6344 7.1050 6.6418 6.2335 5.8713 5.5482 5.2582 4.9966
9.7991 8.9649 8.2534 7.6410 7.1097 6.6450 6.2358 5.8729 5.5493 5.2590 4.9972
9.8174 8.9774 8.2619 7.6469 7.1138 6.6478 6.2377 5.8743 5.5502 5.2596 4.9976
9.8340 8.9886 8.2696 7.6522 7.1173 6.6503 6.2394 5.8755 5.5510 5.2602 4.9980
9.8491 8.9988 8.2764 7.6568 7.1205 6.6524 6.2409 5.8765 5.5517 5.2607 4.9984
FACTORES DE INTERES DEL VALOR PRESENTE PARA UNA ANUALIDAD
9.8628 9.0079 8.2825 7.6609 7.1232 6.6543 6.2421 5.8773 5.5523 5.2611 4.9986
9.8753 9.0161 8.2880 7.6645 7.1256 6.6559 6.2432 5.8781 5.5528 5.2614 4.9989
9.8866 9.0235 8.2928 7.6677 7.1277 6.6573 6.2442 5.8787 5.5532 5.2617 4.9991
9.8969 9.0302 8.2972 7.6705 7.1296 6.6585 6.2450 5.8792 5.5536 5.2619 4.9992
9.9063 9.0362 8.3010 7.6730 7.1312 6.6596 6.2457 5.8797 5.5539 5.2621 4.9993
9.9148 9.0417 8.3045 7.6752 7.1327 6.6605 6.2463 5.8801 5.5541 5.2623 4.9995
21% 22% 23% 24% 25% 26% 27% 28%0.8264 0.8197 0.8130 0.8065 0.8000 0.7937 0.7874 0.7813
1.5095 1.4915 1.4740 1.4568 1.4400 1.4235 1.4074 1.3916
2.0739 2.0422 2.0114 1.9813 1.9520 1.9234 1.8956 1.8684
2.5404 2.4936 2.4483 2.4043 2.3616 2.3202 2.2800 2.2410
2.9260 2.8636 2.8035 2.7454 2.6893 2.6351 2.5827 2.5320
3.2446 3.1669 3.0923 3.0205 2.9514 2.8850 2.8210 2.7594
3.5079 3.4155 3.3270 3.2423 3.1611 3.0833 3.0087 2.9370
3.7256 3.6193 3.5179 3.4212 3.3289 3.2407 3.1564 3.0758
3.9054 3.7863 3.6731 3.5655 3.4631 3.3657 3.2728 3.1842
4.0541 3.9232 3.7993 3.6819 3.5705 3.4648 3.3644 3.2689
4.1769 4.0354 3.9018 3.7757 3.6564 3.5435 3.4365 3.3351
4.2784 4.1274 3.9852 3.8514 3.7251 3.6059 3.4933 3.3868
4.3624 4.2028 4.0530 3.9124 3.7801 3.6555 3.5381 3.4272
4.4317 4.2646 4.1082 3.9616 3.8241 3.6949 3.5733 3.4587
4.4890 4.3152 4.1530 4.0013 3.8593 3.7261 3.6010 3.4834
4.5364 4.3567 4.1894 4.0333 3.8874 3.7509 3.6228 3.5026
4.5755 4.3908 4.2190 4.0591 3.9099 3.7705 3.6400 3.5177
4.6079 4.4187 4.2431 4.0799 3.9279 3.7861 3.6536 3.5294
4.6346 4.4415 4.2627 4.0967 3.9424 3.7985 3.6642 3.5386
4.6567 4.4603 4.2786 4.1103 3.9539 3.8083 3.6726 3.5458
4.6750 4.4756 4.2916 4.1212 3.9631 3.8161 3.6792 3.5514
4.6900 4.4882 4.3021 4.1300 3.9705 3.8223 3.6844 3.5558
4.7025 4.4985 4.3106 4.1371 3.9764 3.8273 3.6885 3.5592
4.7128 4.5070 4.3176 4.1428 3.9811 3.8312 3.6918 3.5619
4.7213 4.5139 4.3232 4.1474 3.9849 3.8342 3.6943 3.5640
4.7284 4.5196 4.3278 4.1511 3.9879 3.8367 3.6963 3.5656
4.7342 4.5243 4.3316 4.1542 3.9903 3.8387 3.6979 3.5669
4.7390 4.5281 4.3346 4.1566 3.9923 3.8402 3.6991 3.5679
4.7430 4.5312 4.3371 4.1585 3.9938 3.8414 3.7001 3.5687
4.7463 4.5338 4.3391 4.1601 3.9950 3.8424 3.7009 3.5693
4.7490 4.5359 4.3407 4.1614 3.9960 3.8432 3.7015 3.5697
4.7512 4.5376 4.3421 4.1624 3.9968 3.8438 3.7019 3.5701
4.7531 4.5390 4.3431 4.1632 3.9975 3.8443 3.7023 3.5704
4.7546 4.5402 4.3440 4.1639 3.9980 3.8447 3.7026 3.5706
4.7559 4.5411 4.3447 4.1644 3.9984 3.8450 3.7028 3.5708
4.7569 4.5419 4.3453 4.1649 3.9987 3.8452 3.7030 3.5709
4.7578 4.5426 4.3458 4.1652 3.9990 3.8454 3.7032 3.5710
4.7585 4.5431 4.3462 4.1655 3.9992 3.8456 3.7033 3.5711
4.7591 4.5435 4.3465 4.1657 3.9993 3.8457 3.7034 3.5712
4.7596 4.5439 4.3467 4.1659 3.9995 3.8458 3.7034 3.5712
4.7600 4.5441 4.3469 4.1661 3.9996 3.8459 3.7035 3.5713
4.7603 4.5444 4.3471 4.1662 3.9997 3.8459 3.7035 3.5713
4.7606 4.5446 4.3472 4.1663 3.9997 3.8460 3.7036 3.5713
4.7608 4.5447 4.3473 4.1663 3.9998 3.8460 3.7036 3.5714
4.7610 4.5449 4.3474 4.1664 3.9998 3.8460 3.7036 3.5714
4.7612 4.5450 4.3475 4.1665 3.9999 3.8461 3.7036 3.5714
4.7613 4.5451 4.3476 4.1665 3.9999 3.8461 3.7037 3.5714
4.7614 4.5451 4.3476 4.1665 3.9999 3.8461 3.7037 3.5714
4.7615 4.5452 4.3477 4.1666 3.9999 3.8461 3.7037 3.5714
4.7616 4.5452 4.3477 4.1666 3.9999 3.8461 3.7037 3.5714
29% 30% 31% 32% 33% 34% 35% 36%0.7752 0.7692 0.7634 0.7576 0.7519 0.7463 0.7407 0.7353
1.3761 1.3609 1.3461 1.3315 1.3172 1.3032 1.2894 1.2760
1.8420 1.8161 1.7909 1.7663 1.7423 1.7188 1.6959 1.6735
2.2031 2.1662 2.1305 2.0957 2.0618 2.0290 1.9969 1.9658
2.4830 2.4356 2.3897 2.3452 2.3021 2.2604 2.2200 2.1807
2.7000 2.6427 2.5875 2.5342 2.4828 2.4331 2.3852 2.3388
2.8682 2.8021 2.7386 2.6775 2.6187 2.5620 2.5075 2.4550
2.9986 2.9247 2.8539 2.7860 2.7208 2.6582 2.5982 2.5404
3.0997 3.0190 2.9419 2.8681 2.7976 2.7300 2.6653 2.6033
3.1781 3.0915 3.0091 2.9304 2.8553 2.7836 2.7150 2.6495
3.2388 3.1473 3.0604 2.9776 2.8987 2.8236 2.7519 2.6834
3.2859 3.1903 3.0995 3.0133 2.9314 2.8534 2.7792 2.7084
3.3224 3.2233 3.1294 3.0404 2.9559 2.8757 2.7994 2.7268
3.3507 3.2487 3.1522 3.0609 2.9744 2.8923 2.8144 2.7403
3.3726 3.2682 3.1696 3.0764 2.9883 2.9047 2.8255 2.7502
3.3896 3.2832 3.1829 3.0882 2.9987 2.9140 2.8337 2.7575
3.4028 3.2948 3.1931 3.0971 3.0065 2.9209 2.8398 2.7629
3.4130 3.3037 3.2008 3.1039 3.0124 2.9260 2.8443 2.7668
3.4210 3.3105 3.2067 3.1090 3.0169 2.9299 2.8476 2.7697
3.4271 3.3158 3.2112 3.1129 3.0202 2.9327 2.8501 2.7718
3.4319 3.3198 3.2147 3.1158 3.0227 2.9349 2.8519 2.7734
3.4356 3.3230 3.2173 3.1180 3.0246 2.9365 2.8533 2.7746
3.4384 3.3254 3.2193 3.1197 3.0260 2.9377 2.8543 2.7754
3.4406 3.3272 3.2209 3.1210 3.0271 2.9386 2.8550 2.7760
3.4423 3.3286 3.2220 3.1220 3.0279 2.9392 2.8556 2.7765
3.4437 3.3297 3.2229 3.1227 3.0285 2.9397 2.8560 2.7768
3.4447 3.3305 3.2236 3.1233 3.0289 2.9401 2.8563 2.7771
3.4455 3.3312 3.2241 3.1237 3.0293 2.9404 2.8565 2.7773
3.4461 3.3317 3.2245 3.1240 3.0295 2.9406 2.8567 2.7774
3.4466 3.3321 3.2248 3.1242 3.0297 2.9407 2.8568 2.7775
3.4470 3.3324 3.2251 3.1244 3.0299 2.9408 2.8569 2.7776
3.4473 3.3326 3.2252 3.1246 3.0300 2.9409 2.8569 2.7776
3.4475 3.3328 3.2254 3.1247 3.0301 2.9410 2.8570 2.7777
3.4477 3.3329 3.2255 3.1248 3.0301 2.9410 2.8570 2.7777
3.4478 3.3330 3.2256 3.1248 3.0302 2.9411 2.8571 2.7777
3.4479 3.3331 3.2256 3.1249 3.0302 2.9411 2.8571 2.7777
3.4480 3.3331 3.2257 3.1249 3.0302 2.9411 2.8571 2.7777
3.4481 3.3332 3.2257 3.1249 3.0302 2.9411 2.8571 2.7778
3.4481 3.3332 3.2257 3.1249 3.0303 2.9411 2.8571 2.7778
3.4481 3.3332 3.2257 3.1250 3.0303 2.9412 2.8571 2.7778
3.4482 3.3333 3.2258 3.1250 3.0303 2.9412 2.8571 2.7778
3.4482 3.3333 3.2258 3.1250 3.0303 2.9412 2.8571 2.7778
3.4482 3.3333 3.2258 3.1250 3.0303 2.9412 2.8571 2.7778
3.4482 3.3333 3.2258 3.1250 3.0303 2.9412 2.8571 2.7778
3.4482 3.3333 3.2258 3.1250 3.0303 2.9412 2.8571 2.7778
3.4482 3.3333 3.2258 3.1250 3.0303 2.9412 2.8571 2.7778
3.4483 3.3333 3.2258 3.1250 3.0303 2.9412 2.8571 2.7778
3.4483 3.3333 3.2258 3.1250 3.0303 2.9412 2.8571 2.7778
3.4483 3.3333 3.2258 3.1250 3.0303 2.9412 2.8571 2.7778
3.4483 3.3333 3.2258 3.1250 3.0303 2.9412 2.8571 2.7778
37% 38% 39% 40% 41% 42% 43%0.7299 0.7246 0.7194 0.7143 0.7092 0.7042 0.6993
1.2627 1.2497 1.2370 1.2245 1.2122 1.2002 1.1883
1.6516 1.6302 1.6093 1.5889 1.5689 1.5494 1.5303
1.9355 1.9060 1.8772 1.8492 1.8219 1.7954 1.7694
2.1427 2.1058 2.0699 2.0352 2.0014 1.9686 1.9367
2.2939 2.2506 2.2086 2.1680 2.1286 2.0905 2.0536
2.4043 2.3555 2.3083 2.2628 2.2189 2.1764 2.1354
2.4849 2.4315 2.3801 2.3306 2.2829 2.2369 2.1926
2.5437 2.4866 2.4317 2.3790 2.3283 2.2795 2.2326
2.5867 2.5265 2.4689 2.4136 2.3605 2.3095 2.2605
2.6180 2.5555 2.4956 2.4383 2.3833 2.3307 2.2801
2.6409 2.5764 2.5148 2.4559 2.3995 2.3455 2.2938
2.6576 2.5916 2.5286 2.4685 2.4110 2.3560 2.3033
2.6698 2.6026 2.5386 2.4775 2.4192 2.3634 2.3100
2.6787 2.6106 2.5457 2.4839 2.4249 2.3686 2.3147
2.6852 2.6164 2.5509 2.4885 2.4290 2.3722 2.3180
2.6899 2.6206 2.5546 2.4918 2.4319 2.3748 2.3203
2.6934 2.6236 2.5573 2.4941 2.4340 2.3766 2.3219
2.6959 2.6258 2.5592 2.4958 2.4355 2.3779 2.3230
2.6977 2.6274 2.5606 2.4970 2.4365 2.3788 2.3238
2.6991 2.6285 2.5616 2.4979 2.4372 2.3794 2.3243
2.7000 2.6294 2.5623 2.4985 2.4378 2.3799 2.3247
2.7008 2.6300 2.5628 2.4989 2.4381 2.3802 2.3250
2.7013 2.6304 2.5632 2.4992 2.4384 2.3804 2.3251
2.7017 2.6307 2.5634 2.4994 2.4386 2.3806 2.3253
2.7019 2.6310 2.5636 2.4996 2.4387 2.3807 2.3254
2.7022 2.6311 2.5637 2.4997 2.4388 2.3808 2.3254
2.7023 2.6313 2.5638 2.4998 2.4389 2.3808 2.3255
2.7024 2.6313 2.5639 2.4999 2.4389 2.3809 2.3255
2.7025 2.6314 2.5640 2.4999 2.4389 2.3809 2.3255
2.7025 2.6315 2.5640 2.4999 2.4390 2.3809 2.3255
2.7026 2.6315 2.5640 2.4999 2.4390 2.3809 2.3256
2.7026 2.6315 2.5641 2.5000 2.4390 2.3809 2.3256
2.7026 2.6315 2.5641 2.5000 2.4390 2.3809 2.3256
2.7027 2.6315 2.5641 2.5000 2.4390 2.3809 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3809 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3809 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3809 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3809 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
2.7027 2.6316 2.5641 2.5000 2.4390 2.3810 2.3256
44% 45% 46% 47% 48% 49% 50%0.6944 0.6897 0.6849 0.6803 0.6757 0.6711 0.6667
1.1767 1.1653 1.1541 1.1430 1.1322 1.1216 1.1111
1.5116 1.4933 1.4754 1.4579 1.4407 1.4239 1.4074
1.7442 1.7195 1.6955 1.6720 1.6491 1.6268 1.6049
1.9057 1.8755 1.8462 1.8177 1.7899 1.7629 1.7366
2.0178 1.9831 1.9495 1.9168 1.8851 1.8543 1.8244
2.0957 2.0573 2.0202 1.9842 1.9494 1.9156 1.8829
2.1498 2.1085 2.0686 2.0301 1.9928 1.9568 1.9220
2.1874 2.1438 2.1018 2.0613 2.0222 1.9844 1.9480
2.2134 2.1681 2.1245 2.0825 2.0420 2.0030 1.9653
2.2316 2.1849 2.1401 2.0969 2.0554 2.0154 1.9769
2.2441 2.1965 2.1507 2.1068 2.0645 2.0238 1.9846
2.2529 2.2045 2.1580 2.1134 2.0706 2.0294 1.9897
2.2589 2.2100 2.1630 2.1180 2.0747 2.0331 1.9931
2.2632 2.2138 2.1665 2.1211 2.0775 2.0357 1.9954
2.2661 2.2164 2.1688 2.1232 2.0794 2.0374 1.9970
2.2681 2.2182 2.1704 2.1246 2.0807 2.0385 1.9980
2.2695 2.2195 2.1715 2.1256 2.0815 2.0393 1.9986
2.2705 2.2203 2.1723 2.1263 2.0821 2.0398 1.9991
2.2712 2.2209 2.1728 2.1267 2.0825 2.0401 1.9994
2.2717 2.2213 2.1731 2.1270 2.0828 2.0403 1.9996
2.2720 2.2216 2.1734 2.1272 2.0830 2.0405 1.9997
2.2722 2.2218 2.1736 2.1274 2.0831 2.0406 1.9998
2.2724 2.2219 2.1737 2.1275 2.0832 2.0407 1.9999
2.2725 2.2220 2.1737 2.1275 2.0832 2.0407 1.9999
2.2726 2.2221 2.1738 2.1276 2.0833 2.0408 1.9999
2.2726 2.2221 2.1738 2.1276 2.0833 2.0408 2.0000
2.2726 2.2222 2.1739 2.1276 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1276 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1276 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1276 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
2.2727 2.2222 2.1739 2.1277 2.0833 2.0408 2.0000
Elaborado por: Prof Percy Soria A. UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
VALOR DEL DINERO EN EL TIEMPO - CON TASAS DE INTERES CAPITALIZACION DIARIA Y MENSUAL
1) VALOR FUTURO DE UNA CANTIDAD UNICA:DATOS FORMULA
VF ? VF=
VP 1,000,000.00d 90 VF= 1,024,113.69TIEA = i 10%
VF= =$E$11*(1+$E$13)^($E$12/360)
2) VALOR PRESENTE DE UNA CANTIDAD UNICA:DATOS FORMULA
VF 1,024,113.69 VP=
VP ?d 90 VP= 1,000,000.00TIEA = i 10%
VP= =$E$23/(1+$E$26)^($E$25/360)
3) VALOR FUTURO DE UNA CUOTA MENSUAL (CM) ORDINARIA:DATOS FORMULA
0.797414%
VFm ? FVIFm=VPm - VFm= CM*FVIFmCM 1,000,000.00n (cuotas mes) 5 FVIFm= 5.08037981TIEA = i 10% VFm= 5,080,379.81
FVIFm= =(1/$H$36)*((1+$H$36)^$E$40-1)
VFm= =+$E$39*$H$40
4) VALOR PRESENTE DE UNA CUOTA MENSUAL (CM) ORDINARIA:DATOS FORMULA
VP*(1+i)^(n/360)
VF/(1+i)^(n/360)
TIEm = im (1+i)^(30/360) -1)
TIEm = im
(1/im)*((1+im)^n -1)
0.797414%
VFm - PVIFm=VPm ? VPm= CM*PVIFmCM 1,000,000.00n (cuotas mes) 5 PVIFm= 4.88257844TIEA = i 10% VPm= 4,882,578.44
PVIFm= =(1/$H$53)*(1-(1/(1+$H$53)^$E$57))
VPm= =+$E$56*$H$57
5) CUOTA MENSUAL (CM) ORDINARIA DADO UN VALOR FUTURO:DATOS FORMULA
0.797414%
VFm 5,080,379.81 CMFm=VPm - CM= VFm*CMFmCM ?n (cuotas mes) 5 CMFm= 0.19683568TIEA = i 10% CM= 1,000,000.00
CMFm= =$H$70/((1+$H$70)^$E$91-1)
CM= =+$E$89*$H$91
6)DATOS FORMULA
0.797414%
VFm - CMFm=VPm 4,882,578.44 CM= VPm*CMFmCM ?n (cuotas mes) 5 CMFm= 0.20480982TIEA = i 10% CM= 1,000,000.00
CMFm= =$H$87/(1-(1/(1+$H$87)^$E$91))
CM= =+$E$89*$H$91
7) VALOR FUTURO DE UNA SERIE COMBINADA:
TIEm = im (1+i)^(30/360) -1)
TIEm = im
(1/im)*(1-(1/(1+im)^n))
TIEm = im (1+i)^(30/360) -1)
TIEm = im
im/((1+im)^n -1)
CUOTA MENSUAL (CM) ORDINARIA DADO UN VALOR PRESENTE - VER "CRONOGRAMA"
TIEm = im (1+i)^(30/360) -1)
TIEm = im
im/(1-(1/(1+im)^n))
DATOS FORMULACALCULO VF PARA CADA FLUJO:
VF ? VF=
n (cuotas mes) 5.00TIEA = i 8%
n (cuotas mes) FLUJO n (cuotas mes) FLUJO1 11,500.00 1 11,798.832 14,000.00 2 14,271.973 12,900.00 3 13,066.534 16,000.00 4 16,102.945 18,000.00 5 18,000.00
VF= 73,240.28
1 =$E$76*(1+$E$72)^($E$71-$D$76)
2 =$E$77*(1+$E$72)^($E$71-$D$77)
3 =$E$78*(1+$E$72)^($E$71-$D$78)
4 =$E$79*(1+$E$72)^($E$71-$D$79)
5 =$E$80*(1+$E$72)^($E$71-$D$80)
VF= =SUMA($H$76:$H$80)
8) VALOR PRESENTE DE UNA SERIE COMBINADA:DATOS FORMULA
CALCULO VF PARA CADA FLUJO:
VP=
VP ?
N 5.00i 9%
n (cuotas mes) FLUJO n (cuotas mes) FLUJO1 11,500.00 1 11,417.712 14,000.00 2 13,800.363 12,900.00 3 12,625.054 16,000.00 4 15,546.925 18,000.00 5 17,365.13
VP= 70,755.17
1 =$E$141/(1+$E$137)^(($D$141*30)/360)
2 =$E$142/(1+$E$137)^(($D$142*30)/360)
3 =$E$143/(1+$E$137)^(($D$143*30)/360)
4 =$E$144/(1+$E$137)^(($D$144*30)/360)
VP*(1+i)^(n/360)
VF/(1+i)^(n/360)
5 =$E$145/(1+$E$137)^(($D$145*30)/360)
VP= =SUMA($H$141:$H$145)
Elaborado por: Prof Percy Soria A. UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
VALOR DEL DINERO EN EL TIEMPO - CON TASAS DE INTERES CAPITALIZACION DIARIA Y MENSUAL
FUNCIONES DE EXCEL TABLAS
TABLA D-5
0.026479% 1.02411369VF= 1,024,113.69 VF= 1,024,113.69
VF= =VF($K$10,$E$12,0,-$E$11,0) VF= =+$E$11*$N$11
FUNCIONES DE EXCEL TABLAS
TABLA D-6
0.026479% 0.97645409VP= 1,000,000.00 VP= 1,000,000.00
VP= =VA($K$23,$E$25,0,-$E$23,0) VP= =+$E$23*$N$24
FUNCIONES DE EXCEL TABLAS
0.797414%
TABLA D-7FVIFm= 5.08037981
VFm= 5,080,379.81 VFm= 5,080,379.81
VFm= =VF($K$36,$E$40,-$E$39,0,0) VFm= =+$E$39*$N$38
VALOR PRESENTE DE UNA CUOTA MENSUAL (CM) ORDINARIA:FUNCIONES DE EXCEL TABLAS
TIEd = id (1+i)^(n/360) -1
TIEd = id FIVFd
TIEd = id (1+i)^(n/360) -1
TIEd = id FIVPd
TIEm = im (1+i)^(30/360) -1)
TIEm = im
0.797414%
TABLA D-8PVIFA 4.88257845
VPm= 4,882,578.44 VPm= 4,882,578.45
VPm= =VA($K$53,$E$57,-$E$56,0,0) VPm= =+$E$56*$N$55
CUOTA MENSUAL (CM) ORDINARIA DADO UN VALOR FUTURO:FUNCIONES DE EXCEL TABLAS
0.797414%
TABLA D-9CMFm= 0.19683568
CM = 1,000,000.00 CM= 1,000,000.01
CM = =PAGO($K$70,$E$74,,-$E$71,0) CM= =+$E$71*$N$72
FUNCIONES DE EXCEL TABLAS
0.797414%
TABLA D-10CMFm= 0.20480982
CM = 1,000,000.00 CM= 1,000,000.01
CM = =PAGO($K$87,$E$91,-$E$89,,0) CM= =+$E$89*$N$89
TIEm = im (1+i)^(30/360) -1)
TIEm = im
TIEm = im (1+i)^(30/360) -1)
TIEm = im
CUOTA MENSUAL (CM) ORDINARIA DADO UN VALOR PRESENTE - VER "CRONOGRAMA"
TIEm = im (1+i)^(30/360) -1)
TIEm = im
FUNCIONES DE EXCEL TABLAS
TABLA D-5
0.643403% FIVF(120) 1.02598557FIVF(90) 1.01942655FIVF(60) 1.01290946FIVF(30) 1.00643403FIVF(0) 1.00000000
N FLUJOVF1= 11,798.83VF2= 14,271.97VF3= 13,066.53VF4= 16,102.94VF5= 18,000.00
VF= 73,240.28 VF= 73,240.28
VF= =-VF($K$105,$E$107,0,VNA($K$105,$E$112:$E$116)) VF1= =+$E$112*$N$105
VF2= =+$E$113*$N$106
VF3= =+$E$114*$N$107
VF4= =+$E$115*$N$108
VF5= =+$E$116*$N$109
VF= =SUMA($N$112:$N$116)
FUNCIONES DE EXCEL TABLAS
TABLA D-6
0.720732% FIVP(30) 0.99284425FIVP(60) 0.98573971FIVP(90) 0.97868600FIVP(120) 0.97168277FIVP(150) 0.96472965
N FLUJOVP1= 11,417.71VP2= 13,800.36VP3= 12,625.05VP4= 15,546.92VP5= 17,365.13
VP= 70,755.17 VP= 70,755.17
VP= =VNA($K$134,$E$141:$E$145) VP1= =+$E$141*$N$134
VP2= =+$E$142*$N$135
VP3= =+$E$143*$N$136
VP4= =+$E$144*$N$137
TIEm = im (1+i)^(30/360) -1)
TIEm = im
TIEm = im (1+i)^(30/360) -1)
TIEm = im
VP5= =+$E$145*$N$138
VP= =SUMA($N$141:$N$145)
UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
Elaborado por: Prof Percy Soria A. UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
6) CRONOGRAMA DE PAGOS DE UN PRESTAMO
DATOS FORMULA NOMENCLATURA
VPm VALOR PRESENTE DEL PRESTAMO
0.797414% CM CUOTA MENSUAL ORDINARIA (FIN DE MES) POR PAGAR (INCLUYE PRINCIPAL + INTERES)
VFm - CMFm= n NRO CUOTAS MENSUALES POR PAGAR (rango del modelo: 01-60 cuotas)VPm 4,882,578.44 CM= VPm*CMFm TIEA TASA DE INTERES EFECTIVA ANUAL (con capitalización diaria)CM ? TIEm TASA DE INTERES EFECTIVA MENSUAL (con capitalización diaria)n (cuotas mes) 5 CMFm= 0.20480982 TOT SUMA NOMINAL DE PAGOS POR EFECTUAR (amortización, interés, cuotas)TIEA = i 10.00% CM= 1,000,000.00 DIAS DIA DE PAGO DE CADA CUOTA (contados desde el desembolso: 0)
CRONOGRAMA DE PAGOS DE UN PRESTAMO
VPmn (cuotas mes)
TIEA = i
cuota DiasTOT->>
0 01 302 603 904 1205 150
TIEm = im (1+i)^(30/360) -1)
TIEm = im
im/(1-(1/(1+im)^n))
UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
NOMENCLATURA
VALOR PRESENTE DEL PRESTAMO
CUOTA MENSUAL ORDINARIA (FIN DE MES) POR PAGAR (INCLUYE PRINCIPAL + INTERES)
NRO CUOTAS MENSUALES POR PAGAR (rango del modelo: 01-60 cuotas)TASA DE INTERES EFECTIVA ANUAL (con capitalización diaria)TASA DE INTERES EFECTIVA MENSUAL (con capitalización diaria)SUMA NOMINAL DE PAGOS POR EFECTUAR (amortización, interés, cuotas)DIA DE PAGO DE CADA CUOTA (contados desde el desembolso: 0)
CRONOGRAMA DE PAGOS DE UN PRESTAMO
4,882,578.44 CM= 1,000,000.005
10.00% 0.797414%
Saldo Amortiz Interés Cuota Saldo4,882,578.44 117,421.56 5,000,000.00
4,882,578.44 - - - 4,882,578.444,882,578.44 961,065.63 38,934.37 1,000,000.00 3,921,512.813,921,512.81 968,729.31 31,270.69 1,000,000.00 2,952,783.502,952,783.50 976,454.09 23,545.91 1,000,000.00 1,976,329.411,976,329.41 984,240.47 15,759.53 1,000,000.00 992,088.94
992,088.94 992,088.94 7,911.06 1,000,000.00 0.00
TIEm = im
TABLA D-5 FACTOR DE INTERES (DIA) DEL VALOR FUTURO:n = DIASi = TIEA (TASA DE INTERES EFECTIVA ANUAL)
DIAS 1% 2% 3% 4% 5% 6% 7%
1 1.00002764 1.00005501 1.00008211 1.00010895 1.00013554 1.00016187 1.00018796
2 1.00005528 1.00011002 1.00016423 1.00021792 1.00027109 1.00032377 1.00037595
3 1.00008292 1.00016504 1.00024635 1.00032689 1.00040667 1.00048569 1.00056398
4 1.00011057 1.00022005 1.00032849 1.00043588 1.00054226 1.00064764 1.00075205
5 1.00013821 1.00027507 1.00041062 1.00054488 1.00067787 1.00080962 1.00094015
6 1.00016585 1.00033010 1.00049277 1.00065389 1.00081350 1.00097162 1.00112828
7 1.00019350 1.00038513 1.00057492 1.00076292 1.00094915 1.00113365 1.00131645
8 1.00022114 1.00044016 1.00065708 1.00087195 1.00108481 1.00129570 1.00150466
9 1.00024879 1.00049519 1.00073924 1.00098100 1.00122050 1.00145778 1.00169290
10 1.00027644 1.00055022 1.00082142 1.00109006 1.00135620 1.00161989 1.00188117
11 1.00030408 1.00060526 1.00090359 1.00119913 1.00149192 1.00178202 1.00206949
12 1.00033173 1.00066031 1.00098578 1.00130821 1.00162766 1.00194418 1.00225783
13 1.00035938 1.00071535 1.00106797 1.00141731 1.00176342 1.00210637 1.00244622
14 1.00038703 1.00077040 1.00115017 1.00152641 1.00189920 1.00226858 1.00263463
15 1.00041468 1.00082545 1.00123238 1.00163553 1.00203499 1.00243082 1.00282309
16 1.00044233 1.00088050 1.00131459 1.00174466 1.00217080 1.00259309 1.00301158
17 1.00046999 1.00093556 1.00139681 1.00185381 1.00230664 1.00275538 1.00320010
18 1.00049764 1.00099062 1.00147903 1.00196296 1.00244249 1.00291769 1.00338866
19 1.00052529 1.00104569 1.00156127 1.00207213 1.00257835 1.00308004 1.00357726
20 1.00055295 1.00110075 1.00164350 1.00218130 1.00271424 1.00324241 1.00376589
21 1.00058060 1.00115582 1.00172575 1.00229049 1.00285015 1.00340480 1.00395455
22 1.00060826 1.00121089 1.00180800 1.00239970 1.00298607 1.00356723 1.00414325
23 1.00063592 1.00126597 1.00189026 1.00250891 1.00312201 1.00372967 1.00433199
24 1.00066358 1.00132105 1.00197253 1.00261814 1.00325797 1.00389215 1.00452076
25 1.00069123 1.00137613 1.00205480 1.00272737 1.00339395 1.00405465 1.00470957
26 1.00071889 1.00143121 1.00213708 1.00283662 1.00352995 1.00421718 1.00489842
27 1.00074655 1.00148630 1.00221937 1.00294588 1.00366597 1.00437973 1.00508730
28 1.00077421 1.00154139 1.00230166 1.00305516 1.00380200 1.00454231 1.00527621
29 1.00080188 1.00159648 1.00238396 1.00316444 1.00393805 1.00470492 1.00546516
30 1.00082954 1.00165158 1.00246627 1.00327374 1.00407412 1.00486755 1.00565415
31 1.00085720 1.00170668 1.00254858 1.00338305 1.00421021 1.00503021 1.00584317
32 1.00088487 1.00176178 1.00263090 1.00349237 1.00434632 1.00519290 1.00603222
33 1.00091253 1.00181689 1.00271323 1.00360170 1.00448245 1.00535561 1.00622132
34 1.00094020 1.00187200 1.00279556 1.00371105 1.00461859 1.00551834 1.00641044
35 1.00096786 1.00192711 1.00287791 1.00382040 1.00475476 1.00568111 1.00659961
36 1.00099553 1.00198222 1.00296025 1.00392977 1.00489094 1.00584390 1.00678881
37 1.00102320 1.00203734 1.00304261 1.00403915 1.00502714 1.00600672 1.00697804
38 1.00105086 1.00209246 1.00312497 1.00414855 1.00516336 1.00616956 1.00716731
39 1.00107853 1.00214759 1.00320734 1.00425795 1.00529959 1.00633243 1.00735661
40 1.00110620 1.00220271 1.00328971 1.00436737 1.00543585 1.00649533 1.00754596
41 1.00113387 1.00225784 1.00337209 1.00447679 1.00557212 1.00665825 1.00773533
42 1.00116155 1.00231298 1.00345448 1.00458623 1.00570842 1.00682120 1.00792474
43 1.00118922 1.00236811 1.00353687 1.00469569 1.00584473 1.00698417 1.00811419
44 1.00121689 1.00242325 1.00361928 1.00480515 1.00598106 1.00714718 1.00830368
45 1.00124457 1.00247839 1.00370168 1.00491463 1.00611741 1.00731020 1.00849320
46 1.00127224 1.00253354 1.00378410 1.00502411 1.00625377 1.00747326 1.00868275
47 1.00129992 1.00258869 1.00386652 1.00513361 1.00639016 1.00763634 1.00887234
48 1.00132759 1.00264384 1.00394895 1.00524313 1.00652656 1.00779945 1.00906197
49 1.00135527 1.00269899 1.00403139 1.00535265 1.00666298 1.00796258 1.00925163
50 1.00138295 1.00275415 1.00411383 1.00546218 1.00679942 1.00812574 1.00944133
51 1.00141062 1.00280931 1.00419628 1.00557173 1.00693588 1.00828893 1.00963106
52 1.00143830 1.00286447 1.00427873 1.00568129 1.00707236 1.00845214 1.00982083
53 1.00146598 1.00291964 1.00436120 1.00579086 1.00720886 1.00861538 1.01001063
54 1.00149366 1.00297481 1.00444366 1.00590045 1.00734537 1.00877864 1.01020047
55 1.00152135 1.00302998 1.00452614 1.00601004 1.00748190 1.00894194 1.01039035
56 1.00154903 1.00308516 1.00460862 1.00611965 1.00761845 1.00910526 1.01058026
57 1.00157671 1.00314034 1.00469111 1.00622927 1.00775502 1.00926860 1.01077020
58 1.00160439 1.00319552 1.00477361 1.00633890 1.00789161 1.00943197 1.01096019
59 1.00163208 1.00325070 1.00485611 1.00644854 1.00802822 1.00959537 1.01115021
60 1.00165976 1.00330589 1.00493862 1.00655820 1.00816485 1.00975879 1.01134026
75 1.00207514 1.00413407 1.00617708 1.00820446 1.01021645 1.01221334 1.01419536
90 1.00249068 1.00496293 1.00741707 1.00985341 1.01227223 1.01467385 1.01705853
105 1.00290640 1.00579248 1.00865859 1.01150505 1.01433220 1.01714034 1.01992977
120 1.00332228 1.00662271 1.00990163 1.01315940 1.01639636 1.01961282 1.02280912
135 1.00373834 1.00745363 1.01114621 1.01481646 1.01846471 1.02209132 1.02569660
150 1.00415458 1.00828523 1.01239232 1.01647622 1.02053728 1.02457584 1.02859223
165 1.00457098 1.00911752 1.01363997 1.01813870 1.02261407 1.02706640 1.03149604
180 1.00498756 1.00995049 1.01488916 1.01980390 1.02469508 1.02956301 1.03440804
195 1.00540431 1.01078416 1.01613988 1.02147183 1.02678032 1.03206570 1.03732827
210 1.00582124 1.01161851 1.01739215 1.02314248 1.02886981 1.03457446 1.04025674
225 1.00623833 1.01245355 1.01864596 1.02481586 1.03096355 1.03708933 1.04319347
240 1.00665560 1.01328928 1.01990131 1.02649198 1.03306155 1.03961031 1.04613850
255 1.00707305 1.01412570 1.02115821 1.02817084 1.03516383 1.04213741 1.04909184
270 1.00749066 1.01496281 1.02241666 1.02985245 1.03727037 1.04467066 1.05205352
285 1.00790845 1.01580061 1.02367666 1.03153680 1.03938121 1.04721007 1.05502356
300 1.00832642 1.01663910 1.02493822 1.03322391 1.04149634 1.04975565 1.05800198
315 1.00874455 1.01747829 1.02620133 1.03491379 1.04361578 1.05230742 1.06098881
330 1.00916286 1.01831816 1.02746599 1.03660642 1.04573953 1.05486539 1.06398408
345 1.00958134 1.01915874 1.02873222 1.03830182 1.04786760 1.05742958 1.06698780
360 1.01000000 1.02000000 1.03000000 1.04000000 1.05000000 1.06000000 1.07000000
390 1.01083783 1.02168461 1.03254026 1.04340469 1.05427783 1.06515960 1.07604994
420 1.01167636 1.02337201 1.03508678 1.04682052 1.05857309 1.07034432 1.08213408
450 1.01251559 1.02506219 1.03763958 1.05024754 1.06288585 1.07555428 1.08825262
480 1.01335551 1.02675516 1.04019868 1.05368578 1.06721617 1.08078959 1.09440576
510 1.01419612 1.02845093 1.04276409 1.05713527 1.07156415 1.08605039 1.10059369
540 1.01503744 1.03014950 1.04533583 1.06059606 1.07592983 1.09133679 1.10681661
570 1.01587945 1.03185088 1.04791391 1.06406817 1.08031330 1.09664893 1.11307471
600 1.01672216 1.03355506 1.05049835 1.06755166 1.08471463 1.10198693 1.11936819
630 1.01756557 1.03526207 1.05308916 1.07104654 1.08913389 1.10735090 1.12569727
660 1.01840968 1.03697188 1.05568636 1.07455287 1.09357116 1.11274099 1.13206212
690 1.01925449 1.03868453 1.05828997 1.07807068 1.09802650 1.11815731 1.13846296
720 1.02010000 1.04040000 1.06090000 1.08160000 1.10250000 1.12360000 1.14490000
FACTOR DE INTERES (DIA) DEL VALOR FUTURO:
redondeo = 88% 9% 10% 11% 12% 13% 14% 15% 16%
1.00021380 1.00023941 1.00026479 1.00028993 1.00031485 1.00033955 1.00036403 1.00038830 1.00041236
1.00042765 1.00047888 1.00052964 1.00057995 1.00062980 1.00067922 1.00072820 1.00077676 1.00082490
1.00064155 1.00071841 1.00079457 1.00087005 1.00094485 1.00101900 1.00109250 1.00116536 1.00123760
1.00085549 1.00095799 1.00105956 1.00116023 1.00126000 1.00135890 1.00145693 1.00155412 1.00165047
1.00106947 1.00119763 1.00132463 1.00145050 1.00157525 1.00169891 1.00182149 1.00194302 1.00206352
1.00128351 1.00143733 1.00158977 1.00174085 1.00189060 1.00203904 1.00218619 1.00233208 1.00247673
1.00149758 1.00167708 1.00185497 1.00203128 1.00220604 1.00237928 1.00255102 1.00272129 1.00289011
1.00171171 1.00191689 1.00212025 1.00232180 1.00252159 1.00271964 1.00291598 1.00311065 1.00330367
1.00192588 1.00215676 1.00238560 1.00261241 1.00283723 1.00306011 1.00328108 1.00350016 1.00371739
1.00214009 1.00239669 1.00265101 1.00290310 1.00315298 1.00340070 1.00364631 1.00388982 1.00413129
1.00235435 1.00263668 1.00291650 1.00319387 1.00346882 1.00374141 1.00401167 1.00427964 1.00454535
1.00256866 1.00287672 1.00318206 1.00348472 1.00378477 1.00408223 1.00437716 1.00466960 1.00495959
1.00278301 1.00311682 1.00344769 1.00377567 1.00410081 1.00442317 1.00474279 1.00505972 1.00537400
1.00299741 1.00335698 1.00371338 1.00406669 1.00441695 1.00476422 1.00510855 1.00544998 1.00578858
1.00321186 1.00359719 1.00397915 1.00435780 1.00473319 1.00510539 1.00547444 1.00584040 1.00620333
1.00342635 1.00383746 1.00424499 1.00464900 1.00504954 1.00544667 1.00584047 1.00623097 1.00661825
1.00364088 1.00407779 1.00451090 1.00494027 1.00536598 1.00578807 1.00620663 1.00662170 1.00703334
1.00385547 1.00431818 1.00477688 1.00523164 1.00568252 1.00612959 1.00657292 1.00701257 1.00744860
1.00407009 1.00455863 1.00504293 1.00552309 1.00599916 1.00647122 1.00693935 1.00740360 1.00786404
1.00428477 1.00479913 1.00530905 1.00581462 1.00631590 1.00681297 1.00730591 1.00779477 1.00827964
1.00449949 1.00503969 1.00557524 1.00610624 1.00663274 1.00715484 1.00767260 1.00818610 1.00869542
1.00471425 1.00528031 1.00584151 1.00639794 1.00694968 1.00749682 1.00803943 1.00857759 1.00911137
1.00492906 1.00552098 1.00610784 1.00668972 1.00726672 1.00783891 1.00840639 1.00896922 1.00952749
1.00514392 1.00576171 1.00637424 1.00698159 1.00758386 1.00818113 1.00877348 1.00936101 1.00994378
1.00535882 1.00600251 1.00664071 1.00727355 1.00790110 1.00852346 1.00914071 1.00975294 1.01036024
1.00557377 1.00624335 1.00690726 1.00756559 1.00821844 1.00886590 1.00950807 1.01014503 1.01077688
1.00578877 1.00648426 1.00717387 1.00785771 1.00853588 1.00920846 1.00987556 1.01053728 1.01119369
1.00600381 1.00672522 1.00744056 1.00814992 1.00885341 1.00955114 1.01024319 1.01092967 1.01161066
1.00621890 1.00696624 1.00770731 1.00844222 1.00917105 1.00989393 1.01061096 1.01132222 1.01202782
1.00643403 1.00720732 1.00797414 1.00873459 1.00948879 1.01023684 1.01097885 1.01171492 1.01244514
1.00664921 1.00744846 1.00824104 1.00902706 1.00980663 1.01057987 1.01134688 1.01210777 1.01286263
1.00686443 1.00768965 1.00850801 1.00931961 1.01012457 1.01092301 1.01171505 1.01250077 1.01328030
1.00707971 1.00793091 1.00877504 1.00961224 1.01044261 1.01126627 1.01208334 1.01289393 1.01369814
1.00729502 1.00817222 1.00904215 1.00990496 1.01076075 1.01160965 1.01245178 1.01328724 1.01411615
1.00751039 1.00841358 1.00930933 1.01019776 1.01107899 1.01195314 1.01282034 1.01368070 1.01453433
1.00772580 1.00865501 1.00957658 1.01049065 1.01139733 1.01229675 1.01318904 1.01407432 1.01495269
1.00794125 1.00889649 1.00984390 1.01078362 1.01171577 1.01264048 1.01355788 1.01446809 1.01537122
1.00815675 1.00913803 1.01011130 1.01107668 1.01203431 1.01298432 1.01392685 1.01486201 1.01578992
1.00837230 1.00937963 1.01037876 1.01136982 1.01235295 1.01332828 1.01429595 1.01525608 1.01620879
1.00858789 1.00962129 1.01064629 1.01166305 1.01267169 1.01367236 1.01466519 1.01565031 1.01662784
1.00880353 1.00986300 1.01091390 1.01195636 1.01299053 1.01401655 1.01503456 1.01604469 1.01704706
1.00901922 1.01010478 1.01118157 1.01224976 1.01330947 1.01436086 1.01540407 1.01643922 1.01746645
1.00923495 1.01034661 1.01144932 1.01254324 1.01362851 1.01470529 1.01577371 1.01683391 1.01788602
FIVFd = (1+i)^(n/360)
1.00945073 1.01058850 1.01171714 1.01283681 1.01394766 1.01504984 1.01614349 1.01722875 1.01830576
1.00966655 1.01083044 1.01198502 1.01313046 1.01426690 1.01539450 1.01651340 1.01762374 1.01872567
1.00988242 1.01107245 1.01225298 1.01342420 1.01458624 1.01573928 1.01688344 1.01801889 1.01914575
1.01009834 1.01131451 1.01252101 1.01371802 1.01490569 1.01608417 1.01725362 1.01841419 1.01956601
1.01031430 1.01155663 1.01278911 1.01401193 1.01522523 1.01642918 1.01762394 1.01880964 1.01998644
1.01053031 1.01179881 1.01305729 1.01430592 1.01554488 1.01677431 1.01799438 1.01920525 1.02040705
1.01074637 1.01204104 1.01332553 1.01460000 1.01586462 1.01711956 1.01836497 1.01960101 1.02082782
1.01096247 1.01228333 1.01359384 1.01489416 1.01618447 1.01746492 1.01873569 1.01999692 1.02124877
1.01117861 1.01252569 1.01386223 1.01518841 1.01650442 1.01781040 1.01910654 1.02039299 1.02166990
1.01139481 1.01276810 1.01413068 1.01548275 1.01682446 1.01815600 1.01947753 1.02078921 1.02209120
1.01161105 1.01301056 1.01439921 1.01577717 1.01714461 1.01850172 1.01984866 1.02118559 1.02251267
1.01182733 1.01325309 1.01466781 1.01607167 1.01746486 1.01884755 1.02021991 1.02158212 1.02293432
1.01204367 1.01349567 1.01493648 1.01636626 1.01778521 1.01919350 1.02059131 1.02197880 1.02335614
1.01226004 1.01373832 1.01520522 1.01666094 1.01810566 1.01953957 1.02096284 1.02237564 1.02377813
1.01247647 1.01398102 1.01547403 1.01695570 1.01842622 1.01988576 1.02133450 1.02277263 1.02420030
1.01269294 1.01422378 1.01574291 1.01725055 1.01874687 1.02023206 1.02170630 1.02316977 1.02462264
1.01290946 1.01446659 1.01601187 1.01754548 1.01906762 1.02057848 1.02207824 1.02356707 1.02504516
1.01616278 1.01811582 1.02005473 1.02197974 1.02389107 1.02578893 1.02767355 1.02954512 1.03140385
1.01942655 1.02177818 1.02411369 1.02643333 1.02873734 1.03102598 1.03329948 1.03555808 1.03780199
1.02270080 1.02545371 1.02818879 1.03090632 1.03360656 1.03628977 1.03895622 1.04160615 1.04423981
1.02598557 1.02914247 1.03228012 1.03539881 1.03849882 1.04158044 1.04464393 1.04768955 1.05071757
1.02928089 1.03284449 1.03638772 1.03991087 1.04341424 1.04689811 1.05036277 1.05380848 1.05723552
1.03258679 1.03655983 1.04051166 1.04444259 1.04835292 1.05224293 1.05611292 1.05996315 1.06379390
1.03590331 1.04028853 1.04465202 1.04899407 1.05331498 1.05761504 1.06189455 1.06615376 1.07039296
1.03923048 1.04403065 1.04880885 1.05356538 1.05830052 1.06301458 1.06770783 1.07238053 1.07703296
1.04256834 1.04778623 1.05298222 1.05815660 1.06330967 1.06844168 1.07355293 1.07864366 1.08371415
1.04591692 1.05155532 1.05717220 1.06276784 1.06834252 1.07389650 1.07943003 1.08494338 1.09043679
1.04927626 1.05533796 1.06137885 1.06739917 1.07339919 1.07937916 1.08533931 1.09127989 1.09720112
1.05264639 1.05913422 1.06560224 1.07205069 1.07847980 1.08488981 1.09128093 1.09765340 1.10400742
1.05602734 1.06294413 1.06984243 1.07672247 1.08358445 1.09042859 1.09725509 1.10406414 1.11085594
1.05941914 1.06676774 1.07409950 1.08141461 1.08871327 1.09599566 1.10326195 1.11051232 1.11774695
1.06282185 1.07060511 1.07837351 1.08612720 1.09386636 1.10159114 1.10930169 1.11699816 1.12468070
1.06623548 1.07445628 1.08266452 1.09086033 1.09904385 1.10721519 1.11537450 1.12352188 1.13165746
1.06966007 1.07832130 1.08697261 1.09561408 1.10424583 1.11286796 1.12148055 1.13008370 1.13867750
1.07309567 1.08220023 1.09129784 1.10038855 1.10947245 1.11854958 1.12762003 1.13668384 1.14574109
1.07654230 1.08609311 1.09564028 1.10518383 1.11472380 1.12426021 1.13379312 1.14332254 1.15284850
1.08000000 1.09000000 1.10000000 1.11000000 1.12000000 1.13000000 1.14000000 1.15000000 1.16000000
1.08694875 1.09785598 1.10877155 1.11969540 1.13062745 1.14156763 1.15251589 1.16347215 1.17443636
1.09394221 1.10576859 1.11761305 1.12947548 1.14135574 1.15325368 1.16516919 1.17710213 1.18905238
1.10098067 1.11373822 1.12652506 1.13934099 1.15218583 1.16505936 1.17796141 1.19089179 1.20385030
1.10806441 1.12176529 1.13550813 1.14929267 1.16311868 1.17698589 1.19089408 1.20484299 1.21883239
1.11519373 1.12985021 1.14456283 1.15933128 1.17415527 1.18903452 1.20396873 1.21895762 1.23400092
1.12236892 1.13799341 1.15368973 1.16945757 1.18529659 1.20120648 1.21718692 1.23323761 1.24935824
1.12959028 1.14619530 1.16288942 1.17967230 1.19654362 1.21350304 1.23055024 1.24768489 1.26490667
1.13685810 1.15445630 1.17216246 1.18997626 1.20789738 1.22592548 1.24406026 1.26230141 1.28064861
1.14417268 1.16277684 1.18150945 1.20037022 1.21935886 1.23847509 1.25771862 1.27708917 1.29658646
1.15153432 1.17115734 1.19093097 1.21085497 1.23092911 1.25115317 1.27152692 1.29205016 1.31272265
1.15894332 1.17959825 1.20042762 1.22143129 1.24260914 1.26396103 1.28548683 1.30718642 1.32905967
1.16640000 1.18810000 1.21000000 1.23210000 1.25440000 1.27690000 1.29960000 1.32250000 1.34560000
17% 18% 19% 20% 21% 22% 23% 24% 25%
1.00043622 1.00045987 1.00048332 1.00050658 1.00052964 1.00055252 1.00057520 1.00059771 1.00062004
1.00087262 1.00091995 1.00096687 1.00101341 1.00105956 1.00110534 1.00115074 1.00119578 1.00124046
1.00130922 1.00138024 1.00145066 1.00152050 1.00158977 1.00165846 1.00172661 1.00179420 1.00186126
1.00174601 1.00184074 1.00193468 1.00202785 1.00212025 1.00221190 1.00230280 1.00239299 1.00248245
1.00218299 1.00230146 1.00241894 1.00253545 1.00265101 1.00276563 1.00287933 1.00299213 1.00310402
1.00262016 1.00276238 1.00290343 1.00304331 1.00318206 1.00331968 1.00345620 1.00359162 1.00372598
1.00305752 1.00322352 1.00338815 1.00355143 1.00371338 1.00387403 1.00403339 1.00419148 1.00434833
1.00349507 1.00368487 1.00387311 1.00405981 1.00424499 1.00442869 1.00461091 1.00479170 1.00497106
1.00393281 1.00414643 1.00435830 1.00456844 1.00477688 1.00498365 1.00518877 1.00539227 1.00559418
1.00437074 1.00460821 1.00484373 1.00507733 1.00530905 1.00553892 1.00576696 1.00599320 1.00621768
1.00480886 1.00507020 1.00532939 1.00558648 1.00584151 1.00609449 1.00634548 1.00659450 1.00684157
1.00524718 1.00553240 1.00581529 1.00609589 1.00637424 1.00665038 1.00692434 1.00719615 1.00746585
1.00568568 1.00599481 1.00630142 1.00660556 1.00690726 1.00720657 1.00750352 1.00779816 1.00809051
1.00612438 1.00645743 1.00678778 1.00711548 1.00744056 1.00776307 1.00808304 1.00840053 1.00871557
1.00656327 1.00692027 1.00727439 1.00762566 1.00797414 1.00831987 1.00866290 1.00900326 1.00934101
1.00700235 1.00738332 1.00776122 1.00813610 1.00850801 1.00887698 1.00924309 1.00960635 1.00996683
1.00744162 1.00784658 1.00824829 1.00864680 1.00904215 1.00943441 1.00982361 1.01020981 1.01059305
1.00788108 1.00831006 1.00873560 1.00915776 1.00957658 1.00999213 1.01040446 1.01081362 1.01121965
1.00832074 1.00877375 1.00922314 1.00966897 1.01011130 1.01055017 1.01098565 1.01141779 1.01184664
1.00876058 1.00923765 1.00971092 1.01018045 1.01064629 1.01110852 1.01156718 1.01202233 1.01247402
1.00920062 1.00970177 1.01019893 1.01069218 1.01118157 1.01166717 1.01214903 1.01262722 1.01310179
1.00964085 1.01016610 1.01068718 1.01120417 1.01171714 1.01222613 1.01273123 1.01323248 1.01372995
1.01008127 1.01063064 1.01117567 1.01171643 1.01225298 1.01278540 1.01331375 1.01383810 1.01435850
1.01052189 1.01109540 1.01166439 1.01222894 1.01278911 1.01334498 1.01389662 1.01444408 1.01498744
1.01096269 1.01156037 1.01215335 1.01274171 1.01332553 1.01390487 1.01447982 1.01505042 1.01561677
1.01140369 1.01202555 1.01264254 1.01325474 1.01386223 1.01446507 1.01506335 1.01565713 1.01624649
1.01184488 1.01249095 1.01313197 1.01376804 1.01439921 1.01502558 1.01564722 1.01626420 1.01687659
1.01228627 1.01295656 1.01362164 1.01428159 1.01493648 1.01558640 1.01623142 1.01687163 1.01750709
1.01272784 1.01342239 1.01411155 1.01479540 1.01547403 1.01614753 1.01681596 1.01747942 1.01813798
1.01316961 1.01388843 1.01460169 1.01530947 1.01601187 1.01670896 1.01740084 1.01808758 1.01876927
1.01361157 1.01435469 1.01509206 1.01582380 1.01654999 1.01727071 1.01798606 1.01869610 1.01940094
1.01405373 1.01482115 1.01558268 1.01633840 1.01708840 1.01783277 1.01857161 1.01930499 1.02003300
1.01449607 1.01528784 1.01607353 1.01685325 1.01762709 1.01839514 1.01915749 1.01991424 1.02066546
1.01493861 1.01575474 1.01656462 1.01736836 1.01816607 1.01895782 1.01974372 1.02052385 1.02129831
1.01538135 1.01622185 1.01705595 1.01788374 1.01870533 1.01952081 1.02033028 1.02113383 1.02193155
1.01582427 1.01668918 1.01754751 1.01839938 1.01924488 1.02008411 1.02091718 1.02174417 1.02256518
1.01626739 1.01715672 1.01803931 1.01891527 1.01978471 1.02064772 1.02150441 1.02235488 1.02319921
1.01671071 1.01762448 1.01853135 1.01943143 1.02032483 1.02121165 1.02209199 1.02296595 1.02383363
1.01715421 1.01809245 1.01902363 1.01994785 1.02086524 1.02177588 1.02267990 1.02357739 1.02446844
1.01759791 1.01856064 1.01951614 1.02046454 1.02140593 1.02234043 1.02326815 1.02418919 1.02510365
1.01804180 1.01902904 1.02000890 1.02098148 1.02194691 1.02290529 1.02385674 1.02480136 1.02573925
1.01848589 1.01949766 1.02050189 1.02149869 1.02248817 1.02347046 1.02444567 1.02541389 1.02637524
1.01893017 1.01996650 1.02099512 1.02201615 1.02302972 1.02403595 1.02503493 1.02602679 1.02701163
1.01937465 1.02043555 1.02148858 1.02253388 1.02357156 1.02460174 1.02562454 1.02664006 1.02764842
1.01981931 1.02090481 1.02198229 1.02305188 1.02411369 1.02516785 1.02621448 1.02725369 1.02828559
1.02026418 1.02137429 1.02247624 1.02357013 1.02465610 1.02573427 1.02680476 1.02786769 1.02892317
1.02070923 1.02184399 1.02297042 1.02408865 1.02519880 1.02630101 1.02739539 1.02848206 1.02956114
1.02115448 1.02231390 1.02346484 1.02460743 1.02574179 1.02686806 1.02798635 1.02909679 1.03019950
1.02159993 1.02278403 1.02395950 1.02512647 1.02628506 1.02743542 1.02857765 1.02971189 1.03083826
1.02204557 1.02325438 1.02445440 1.02564577 1.02682863 1.02800309 1.02916930 1.03032736 1.03147742
1.02249140 1.02372494 1.02494954 1.02616534 1.02737248 1.02857108 1.02976128 1.03094320 1.03211697
1.02293743 1.02419572 1.02544492 1.02668518 1.02791662 1.02913938 1.03035360 1.03155941 1.03275692
1.02338365 1.02466671 1.02594054 1.02720527 1.02846104 1.02970800 1.03094627 1.03217598 1.03339726
1.02383007 1.02513793 1.02643640 1.02772563 1.02900576 1.03027693 1.03153927 1.03279292 1.03403801
1.02427668 1.02560935 1.02693250 1.02824625 1.02955076 1.03084617 1.03213262 1.03341023 1.03467915
1.02472348 1.02608100 1.02742883 1.02876714 1.03009606 1.03141573 1.03272631 1.03402791 1.03532068
1.02517049 1.02655286 1.02792541 1.02928829 1.03064164 1.03198561 1.03332033 1.03464596 1.03596262
1.02561768 1.02702494 1.02842223 1.02980970 1.03118751 1.03255579 1.03391471 1.03526438 1.03660495
1.02606507 1.02749724 1.02891929 1.03033138 1.03173367 1.03312630 1.03450942 1.03588317 1.03724769
1.02651266 1.02796975 1.02941658 1.03085332 1.03228012 1.03369712 1.03510447 1.03650233 1.03789082
1.03324994 1.03508358 1.03690496 1.03871426 1.04051166 1.04229734 1.04407148 1.04583423 1.04758576
1.04003143 1.04224664 1.04444780 1.04663514 1.04880885 1.05096913 1.05311616 1.05525015 1.05737126
1.04685744 1.04945926 1.05204552 1.05461642 1.05717220 1.05971305 1.06223920 1.06475084 1.06724817
1.05372824 1.05672181 1.05969850 1.06265857 1.06560224 1.06852973 1.07144127 1.07433707 1.07721735
1.06064414 1.06403461 1.06740716 1.07076204 1.07409950 1.07741976 1.08072306 1.08400961 1.08727964
1.06760543 1.07139801 1.07517189 1.07892731 1.08266452 1.08638375 1.09008525 1.09376923 1.09743592
1.07461241 1.07881238 1.08299310 1.08715484 1.09129784 1.09542233 1.09952855 1.10361672 1.10768708
1.08166538 1.08627805 1.09087121 1.09544512 1.10000000 1.10453610 1.10905365 1.11355287 1.11803399
1.08876464 1.09379539 1.09880663 1.10379861 1.10877155 1.11372570 1.11866127 1.12357848 1.12847755
1.09591050 1.10136475 1.10679977 1.11221580 1.11761305 1.12299176 1.12835212 1.13369435 1.13901867
1.10310325 1.10898649 1.11485106 1.12069718 1.12652506 1.13233490 1.13812692 1.14390130 1.14965824
1.11034321 1.11666097 1.12296092 1.12924323 1.13550813 1.14175578 1.14798639 1.15420014 1.16039721
1.11763069 1.12438857 1.13112977 1.13785446 1.14456283 1.15125505 1.15793128 1.16459171 1.17123648
1.12496600 1.13216964 1.13935804 1.14653135 1.15368973 1.16083334 1.16796232 1.17507683 1.18217701
1.13234945 1.14000456 1.14764617 1.15527441 1.16288942 1.17049132 1.17808026 1.18565636 1.19321973
1.13978136 1.14789370 1.15599459 1.16408414 1.17216246 1.18022966 1.18828585 1.19633113 1.20436560
1.14726205 1.15583744 1.16440374 1.17296105 1.18150945 1.19004902 1.19857985 1.20710201 1.21561559
1.15479184 1.16383614 1.17287406 1.18190565 1.19093097 1.19995008 1.20896303 1.21796987 1.22697066
1.16237105 1.17189020 1.18140600 1.19091846 1.20042762 1.20993351 1.21943615 1.22893557 1.23843180
1.17000000 1.18000000 1.19000000 1.20000000 1.21000000 1.22000000 1.23000000 1.24000000 1.25000000
1.18540845 1.19638835 1.20737601 1.21837136 1.22937436 1.24038494 1.25140304 1.26242860 1.27346158
1.20101981 1.21300430 1.22500573 1.23702399 1.24905894 1.26111048 1.27317850 1.28526288 1.29736352
1.21683678 1.22985103 1.24289288 1.25596217 1.26905871 1.28218233 1.29533288 1.30851018 1.32171408
1.23286204 1.24693173 1.26104122 1.27519028 1.28937871 1.30360627 1.31787276 1.33217797 1.34652168
1.24909836 1.26424965 1.27945455 1.29471277 1.31002407 1.32538818 1.34080486 1.35627385 1.37179490
1.26554850 1.28180810 1.29813674 1.31453414 1.33100000 1.34753404 1.36413599 1.38080556 1.39754249
1.28221528 1.29961040 1.31709173 1.33465896 1.35231180 1.37004994 1.38787310 1.40578100 1.42377333
1.29910156 1.31765995 1.33632349 1.35509188 1.37396483 1.39294206 1.41202327 1.43120818 1.45049651
1.31621022 1.33596018 1.35583607 1.37583762 1.39596458 1.41621668 1.43659366 1.45709527 1.47772126
1.33354419 1.35451457 1.37563356 1.39690097 1.41831658 1.43988019 1.46159160 1.48345060 1.50545701
1.35110645 1.37332665 1.39572013 1.41828678 1.44102647 1.46393909 1.48702452 1.51028264 1.53371333
1.36890000 1.39240000 1.41610000 1.44000000 1.46410000 1.48840000 1.51290000 1.53760000 1.56250000
26% 27% 28% 29% 30% 31% 32% 33%
1.00064218 1.00066416 1.00068596 1.00070759 1.00072906 1.00075036 1.00077150 1.00079248
1.00128478 1.00132875 1.00137239 1.00141568 1.00145864 1.00150128 1.00154359 1.00158558
1.00192779 1.00199379 1.00205928 1.00212427 1.00218876 1.00225276 1.00231628 1.00237932
1.00257121 1.00265927 1.00274665 1.00283336 1.00291941 1.00300481 1.00308956 1.00317368
1.00321504 1.00332520 1.00343450 1.00354296 1.00365060 1.00375742 1.00386344 1.00396867
1.00385929 1.00399156 1.00412281 1.00425306 1.00438231 1.00451059 1.00463792 1.00476430
1.00450395 1.00465837 1.00481160 1.00496365 1.00511456 1.00526434 1.00541299 1.00556055
1.00514903 1.00532562 1.00550085 1.00567476 1.00584735 1.00601864 1.00618867 1.00635743
1.00579452 1.00599331 1.00619058 1.00638636 1.00658066 1.00677352 1.00696494 1.00715495
1.00644042 1.00666145 1.00688079 1.00709847 1.00731452 1.00752895 1.00774181 1.00795310
1.00708674 1.00733003 1.00757147 1.00781108 1.00804891 1.00828496 1.00851928 1.00875188
1.00773347 1.00799905 1.00826262 1.00852420 1.00878383 1.00904153 1.00929735 1.00955129
1.00838062 1.00866852 1.00895424 1.00923782 1.00951929 1.00979868 1.01007602 1.01035134
1.00902819 1.00933844 1.00964634 1.00995195 1.01025528 1.01055638 1.01085529 1.01115202
1.00967617 1.01000879 1.01033892 1.01066658 1.01099182 1.01131466 1.01163516 1.01195333
1.01032457 1.01067960 1.01103197 1.01138172 1.01172888 1.01207351 1.01241563 1.01275528
1.01097338 1.01135085 1.01172549 1.01209736 1.01246649 1.01283293 1.01319671 1.01355787
1.01162261 1.01202254 1.01241949 1.01281351 1.01320463 1.01359291 1.01397838 1.01436109
1.01227226 1.01269468 1.01311397 1.01353017 1.01394332 1.01435347 1.01476066 1.01516495
1.01292232 1.01336727 1.01380892 1.01424733 1.01468254 1.01511460 1.01554355 1.01596944
1.01357280 1.01404030 1.01450435 1.01496500 1.01542230 1.01587629 1.01632704 1.01677458
1.01422370 1.01471379 1.01520026 1.01568318 1.01616260 1.01663856 1.01711113 1.01758035
1.01487502 1.01538771 1.01589664 1.01640187 1.01690343 1.01740140 1.01789583 1.01838676
1.01552675 1.01606209 1.01659351 1.01712106 1.01764481 1.01816482 1.01868113 1.01919381
1.01617891 1.01673691 1.01729085 1.01784077 1.01838673 1.01892881 1.01946704 1.02000150
1.01683148 1.01741219 1.01798866 1.01856098 1.01912919 1.01969337 1.02025356 1.02080982
1.01748447 1.01808791 1.01868696 1.01928170 1.01987219 1.02045850 1.02104068 1.02161879
1.01813789 1.01876408 1.01938574 1.02000294 1.02061574 1.02122421 1.02182841 1.02242840
1.01879172 1.01944070 1.02008499 1.02072468 1.02135982 1.02199049 1.02261675 1.02323865
1.01944597 1.02011776 1.02078473 1.02144693 1.02210445 1.02275735 1.02340569 1.02404955
1.02010064 1.02079528 1.02148494 1.02216970 1.02284962 1.02352478 1.02419524 1.02486108
1.02075573 1.02147325 1.02218564 1.02289298 1.02359534 1.02429279 1.02498541 1.02567326
1.02141124 1.02215167 1.02288681 1.02361676 1.02434159 1.02506137 1.02577618 1.02648609
1.02206717 1.02283054 1.02358847 1.02434107 1.02508839 1.02583054 1.02656756 1.02729955
1.02272353 1.02350985 1.02429061 1.02506588 1.02583574 1.02660027 1.02735956 1.02811367
1.02338030 1.02418962 1.02499323 1.02579120 1.02658363 1.02737059 1.02815216 1.02892842
1.02403750 1.02486985 1.02569633 1.02651704 1.02733207 1.02814149 1.02894538 1.02974383
1.02469512 1.02555052 1.02639992 1.02724340 1.02808105 1.02891296 1.02973921 1.03055987
1.02535316 1.02623165 1.02710398 1.02797026 1.02883058 1.02968501 1.03053365 1.03137657
1.02601163 1.02691322 1.02780853 1.02869764 1.02958065 1.03045764 1.03132870 1.03219391
1.02667052 1.02759526 1.02851357 1.02942554 1.03033127 1.03123085 1.03212437 1.03301190
1.02732983 1.02827774 1.02921908 1.03015395 1.03108244 1.03200464 1.03292065 1.03383054
1.02798956 1.02896068 1.02992508 1.03088288 1.03183416 1.03277901 1.03371754 1.03464983
1.02864972 1.02964407 1.03063157 1.03161232 1.03258642 1.03355397 1.03451505 1.03546977
1.02931030 1.03032791 1.03133854 1.03234228 1.03333923 1.03432950 1.03531318 1.03629035
1.02997130 1.03101221 1.03204599 1.03307275 1.03409260 1.03510562 1.03611192 1.03711159
1.03063273 1.03169696 1.03275393 1.03380374 1.03484651 1.03588232 1.03691127 1.03793348
1.03129459 1.03238217 1.03346236 1.03453525 1.03560097 1.03665960 1.03771125 1.03875602
1.03195687 1.03306783 1.03417127 1.03526728 1.03635598 1.03743746 1.03851184 1.03957921
1.03261957 1.03375395 1.03488067 1.03599982 1.03711154 1.03821591 1.03931305 1.04040305
1.03328271 1.03444053 1.03559055 1.03673289 1.03786765 1.03899494 1.04011487 1.04122755
1.03394626 1.03512756 1.03630092 1.03746647 1.03862431 1.03977456 1.04091732 1.04205270
1.03461025 1.03581504 1.03701178 1.03820057 1.03938153 1.04055476 1.04172038 1.04287850
1.03527465 1.03650299 1.03772313 1.03893519 1.04013929 1.04133555 1.04252407 1.04370496
1.03593949 1.03719139 1.03843496 1.03967033 1.04089761 1.04211692 1.04332837 1.04453207
1.03660475 1.03788024 1.03914728 1.04040599 1.04165648 1.04289888 1.04413330 1.04535984
1.03727044 1.03856956 1.03986009 1.04114217 1.04241591 1.04368143 1.04493884 1.04618826
1.03793656 1.03925933 1.04057339 1.04187887 1.04317589 1.04446456 1.04574501 1.04701734
1.03860311 1.03994956 1.04128718 1.04261609 1.04393642 1.04524828 1.04655180 1.04784708
1.03927008 1.04064025 1.04200146 1.04335384 1.04469751 1.04603259 1.04735921 1.04867748
1.04932623 1.05105581 1.05277463 1.05448286 1.05618063 1.05786810 1.05954540 1.06121267
1.05947969 1.06157561 1.06365918 1.06573058 1.06778997 1.06983752 1.07187337 1.07389770
1.06973140 1.07220070 1.07465626 1.07709828 1.07952692 1.08194237 1.08434479 1.08673435
1.08008230 1.08293213 1.08576705 1.08858723 1.09139288 1.09418418 1.09696131 1.09972445
1.09053336 1.09377098 1.09699270 1.10019874 1.10338927 1.10656451 1.10972463 1.11286982
1.10108554 1.10471831 1.10833442 1.11193409 1.11551752 1.11908491 1.12263645 1.12617232
1.11173983 1.11577520 1.11979340 1.12379462 1.12777909 1.13174698 1.13569850 1.13963384
1.12249722 1.12694277 1.13137085 1.13578167 1.14017543 1.14455231 1.14891253 1.15325626
1.13335869 1.13822210 1.14306800 1.14789657 1.15270802 1.15750254 1.16228031 1.16704152
1.14432526 1.14961434 1.15488609 1.16014070 1.16537838 1.17059929 1.17580362 1.18099155
1.15539794 1.16112059 1.16682636 1.17251544 1.17818800 1.18384422 1.18948428 1.19510834
1.16657777 1.17274200 1.17889008 1.18502216 1.19113843 1.19723902 1.20332412 1.20939386
1.17786578 1.18447974 1.19107853 1.19766230 1.20423120 1.21078538 1.21732498 1.22385015
1.18926300 1.19633495 1.20339299 1.21043726 1.21746789 1.22448501 1.23148875 1.23847924
1.20077051 1.20830882 1.21583477 1.22334848 1.23085007 1.23833964 1.24581731 1.25328319
1.21238937 1.22040253 1.22840519 1.23639743 1.24437934 1.25235104 1.26031259 1.26826410
1.22412066 1.23261729 1.24110557 1.24958556 1.25805733 1.26652097 1.27497653 1.28342409
1.23596546 1.24495430 1.25393725 1.26291436 1.27188567 1.28085122 1.28981108 1.29876528
1.24792487 1.25741479 1.26690161 1.27638533 1.28586600 1.29534362 1.30481824 1.31428986
1.26000000 1.27000000 1.28000000 1.29000000 1.30000000 1.31000000 1.32000000 1.33000000
1.28450192 1.29554956 1.30660445 1.31766654 1.32873579 1.33981212 1.35089551 1.36198590
1.30948030 1.32161312 1.33376187 1.34592645 1.35810676 1.37030269 1.38251415 1.39474104
1.33494441 1.34820102 1.36148375 1.37479245 1.38812696 1.40148715 1.41487285 1.42828393
1.36090370 1.37532381 1.38978182 1.40427753 1.41881075 1.43338128 1.44798893 1.46263352
1.38736778 1.40299225 1.41866806 1.43439498 1.45017278 1.46600123 1.48188011 1.49780919
1.41434649 1.43121731 1.44815469 1.46515835 1.48222805 1.49936353 1.51656454 1.53383083
1.44184983 1.46001021 1.47825419 1.49658151 1.51499189 1.53348507 1.55206078 1.57071876
1.46988799 1.48938235 1.50897930 1.52867859 1.54847995 1.56838312 1.58838783 1.60849384
1.49847138 1.51934539 1.54034303 1.56146406 1.58270825 1.60407536 1.62556515 1.64717739
1.52761061 1.54991122 1.57235864 1.59495268 1.61769315 1.64057986 1.66361262 1.68679126
1.55731648 1.58109197 1.60503969 1.62915952 1.65345137 1.67791510 1.70255063 1.72735783
1.58760000 1.61290000 1.63840000 1.66410000 1.69000000 1.71610000 1.74240000 1.76890000
34% 35% 36% 37% 38% 39% 40% 41%
1.00081330 1.00083397 1.00085449 1.00087486 1.00089508 1.00091515 1.00093508 1.00095487
1.00162726 1.00166864 1.00170971 1.00175048 1.00179095 1.00183114 1.00187104 1.00191065
1.00244189 1.00250400 1.00256566 1.00262687 1.00268763 1.00274797 1.00280787 1.00286735
1.00325718 1.00334006 1.00342234 1.00350402 1.00358512 1.00366563 1.00374558 1.00382496
1.00407313 1.00417682 1.00427975 1.00438194 1.00448340 1.00458414 1.00468416 1.00478348
1.00488974 1.00501427 1.00513790 1.00526063 1.00538249 1.00550348 1.00562362 1.00574292
1.00570702 1.00585243 1.00599678 1.00614009 1.00628239 1.00642367 1.00656396 1.00670328
1.00652496 1.00669128 1.00685639 1.00702032 1.00718309 1.00734470 1.00750518 1.00766455
1.00734357 1.00753083 1.00771674 1.00790132 1.00808459 1.00826657 1.00844728 1.00862674
1.00816285 1.00837108 1.00857782 1.00878309 1.00898691 1.00918929 1.00939027 1.00958985
1.00898279 1.00921203 1.00943964 1.00966563 1.00989003 1.01011285 1.01033413 1.01055388
1.00980340 1.01005369 1.01030220 1.01054894 1.01079396 1.01103726 1.01127887 1.01151883
1.01062467 1.01089604 1.01116549 1.01143303 1.01169869 1.01196251 1.01222450 1.01248470
1.01144661 1.01173910 1.01202952 1.01231789 1.01260424 1.01288861 1.01317102 1.01345149
1.01226922 1.01258286 1.01289429 1.01320352 1.01351060 1.01381555 1.01411841 1.01441921
1.01309250 1.01342733 1.01375979 1.01408993 1.01441777 1.01474335 1.01506670 1.01538785
1.01391645 1.01427250 1.01462604 1.01497711 1.01532575 1.01567199 1.01601587 1.01635741
1.01474107 1.01511837 1.01549303 1.01586507 1.01623455 1.01660149 1.01696593 1.01732790
1.01556636 1.01596495 1.01636075 1.01675381 1.01714415 1.01753183 1.01791687 1.01829932
1.01639233 1.01681224 1.01722922 1.01764332 1.01805458 1.01846302 1.01886871 1.01927166
1.01721896 1.01766023 1.01809843 1.01853361 1.01896581 1.01939507 1.01982143 1.02024494
1.01804627 1.01850893 1.01896839 1.01942469 1.01987787 1.02032797 1.02077505 1.02121914
1.01887425 1.01935834 1.01983909 1.02031654 1.02079073 1.02126173 1.02172956 1.02219427
1.01970290 1.02020845 1.02071053 1.02120917 1.02170442 1.02219634 1.02268496 1.02317034
1.02053222 1.02105928 1.02158271 1.02210258 1.02261892 1.02313180 1.02364125 1.02414733
1.02136222 1.02191081 1.02245564 1.02299677 1.02353425 1.02406812 1.02459844 1.02512526
1.02219290 1.02276306 1.02332932 1.02389175 1.02445039 1.02500530 1.02555653 1.02610412
1.02302425 1.02361601 1.02420375 1.02478751 1.02536735 1.02594333 1.02651551 1.02708392
1.02385628 1.02446968 1.02507892 1.02568405 1.02628513 1.02688223 1.02747538 1.02806466
1.02468898 1.02532406 1.02595483 1.02658137 1.02720374 1.02782198 1.02843616 1.02904633
1.02552236 1.02617915 1.02683150 1.02747949 1.02812316 1.02876259 1.02939783 1.03002893
1.02635642 1.02703495 1.02770892 1.02837838 1.02904341 1.02970406 1.03036040 1.03101248
1.02719116 1.02789147 1.02858708 1.02927807 1.02996448 1.03064640 1.03132387 1.03199696
1.02802658 1.02874870 1.02946600 1.03017854 1.03088638 1.03158960 1.03228824 1.03298239
1.02886267 1.02960665 1.03034567 1.03107980 1.03180910 1.03253366 1.03325352 1.03396875
1.02969945 1.03046531 1.03122609 1.03198184 1.03273265 1.03347858 1.03421969 1.03495606
1.03053690 1.03132469 1.03210726 1.03288468 1.03365703 1.03442437 1.03518677 1.03594431
1.03137504 1.03218479 1.03298918 1.03378831 1.03458223 1.03537102 1.03615476 1.03693350
1.03221386 1.03304560 1.03387186 1.03469272 1.03550826 1.03631855 1.03712365 1.03792364
1.03305336 1.03390713 1.03475529 1.03559793 1.03643512 1.03726693 1.03809344 1.03891472
1.03389355 1.03476938 1.03563948 1.03650393 1.03736281 1.03821619 1.03906415 1.03990675
1.03473441 1.03563235 1.03652442 1.03741072 1.03829133 1.03916631 1.04003576 1.04089973
1.03557596 1.03649603 1.03741012 1.03831831 1.03922068 1.04011731 1.04100828 1.04189366
1.03641820 1.03736044 1.03829658 1.03922669 1.04015086 1.04106917 1.04198170 1.04288853
1.03726112 1.03822557 1.03918379 1.04013586 1.04108188 1.04202191 1.04295604 1.04388436
1.03810473 1.03909142 1.04007176 1.04104583 1.04201372 1.04297552 1.04393129 1.04488113
1.03894902 1.03995799 1.04096049 1.04195660 1.04294641 1.04393000 1.04490745 1.04587886
1.03979400 1.04082529 1.04184998 1.04286816 1.04387992 1.04488535 1.04588453 1.04687754
1.04063966 1.04169331 1.04274023 1.04378052 1.04481428 1.04584158 1.04686251 1.04787717
1.04148602 1.04256205 1.04363124 1.04469368 1.04574946 1.04679868 1.04784142 1.04887776
1.04233306 1.04343152 1.04452301 1.04560764 1.04668549 1.04775666 1.04882123 1.04987930
1.04318079 1.04430171 1.04541554 1.04652239 1.04762235 1.04871552 1.04980197 1.05088180
1.04402921 1.04517263 1.04630884 1.04743795 1.04856006 1.04967525 1.05078362 1.05188526
1.04487832 1.04604427 1.04720290 1.04835431 1.04949860 1.05063586 1.05176619 1.05288968
1.04572813 1.04691664 1.04809772 1.04927147 1.05043798 1.05159735 1.05274968 1.05389505
1.04657862 1.04778974 1.04899331 1.05018943 1.05137820 1.05255972 1.05373408 1.05490138
1.04742980 1.04866357 1.04988966 1.05110820 1.05231927 1.05352297 1.05471941 1.05590868
1.04828168 1.04953812 1.05078678 1.05202777 1.05326117 1.05448711 1.05570566 1.05691694
1.04913425 1.05041341 1.05168467 1.05294814 1.05420392 1.05545212 1.05669283 1.05792616
1.04998751 1.05128942 1.05258332 1.05386932 1.05514752 1.05641802 1.05768093 1.05893634
1.06287004 1.06451765 1.06615563 1.06778410 1.06940319 1.07101302 1.07261370 1.07420536
1.07591063 1.07791234 1.07990295 1.08188261 1.08385147 1.08580966 1.08775731 1.08969455
1.08911122 1.09147556 1.09382753 1.09616727 1.09849496 1.10081072 1.10311471 1.10540708
1.10247377 1.10520945 1.10793165 1.11064054 1.11333628 1.11601903 1.11868894 1.12134617
1.11600027 1.11911615 1.12221764 1.12530491 1.12837812 1.13143745 1.13448305 1.13751509
1.12969273 1.13319784 1.13668783 1.14016289 1.14362319 1.14706889 1.15050016 1.15391716
1.14355318 1.14745671 1.15134461 1.15521706 1.15907422 1.16291628 1.16674339 1.17055572
1.15758369 1.16189500 1.16619038 1.17046999 1.17473401 1.17898261 1.18321596 1.18743421
1.17178634 1.17651497 1.18122757 1.18592432 1.19060537 1.19527091 1.19992109 1.20455607
1.18616325 1.19131890 1.19645866 1.20158269 1.20669117 1.21178424 1.21686207 1.22192481
1.20071656 1.20630910 1.21188614 1.21744781 1.22299429 1.22852571 1.23404223 1.23954399
1.21544842 1.22148793 1.22751254 1.23352241 1.23951768 1.24549848 1.25146495 1.25741723
1.23036103 1.23685774 1.24334044 1.24980925 1.25626430 1.26270573 1.26913365 1.27554819
1.24545660 1.25242096 1.25937243 1.26631113 1.27323719 1.28015071 1.28705180 1.29394058
1.26073739 1.26818000 1.27561114 1.28303090 1.29043939 1.29783670 1.30522293 1.31259818
1.27620566 1.28413734 1.29205923 1.29997142 1.30787400 1.31576703 1.32365061 1.33152480
1.29186371 1.30029546 1.30871941 1.31713562 1.32554416 1.33394508 1.34233845 1.35072433
1.30771388 1.31665691 1.32559442 1.33452645 1.34345306 1.35237427 1.36129014 1.37020070
1.32375851 1.33322422 1.34268701 1.35214690 1.36160391 1.37105807 1.38050940 1.38995791
1.34000000 1.35000000 1.36000000 1.37000000 1.38000000 1.39000000 1.40000000 1.41000000
1.37308324 1.38418748 1.39529858 1.40641648 1.41754116 1.42867255 1.43981062 1.45095532
1.40698326 1.41924072 1.43151332 1.44380097 1.45610357 1.46842105 1.48075330 1.49310024
1.44172025 1.45518165 1.46866801 1.48217918 1.49571503 1.50927542 1.52286023 1.53646931
1.47731485 1.49203276 1.50678705 1.52157754 1.53640407 1.55126645 1.56616452 1.58109810
1.51378825 1.52981708 1.54589545 1.56202316 1.57820000 1.59442575 1.61070022 1.62702319
1.55116214 1.56855826 1.58601892 1.60354389 1.62113294 1.63878583 1.65650234 1.67428223
1.58945876 1.60828051 1.62718377 1.64616829 1.66523381 1.68438009 1.70360690 1.72291398
1.62870088 1.64900870 1.66941706 1.68992570 1.71053439 1.73124288 1.75205093 1.77295830
1.66891185 1.69076829 1.71274650 1.73484625 1.75706732 1.77940948 1.80187252 1.82445622
1.71011558 1.73358541 1.75720056 1.78096085 1.80486612 1.82891617 1.85311085 1.87744997
1.75233659 1.77748682 1.80280841 1.82830124 1.85396522 1.87980024 1.90580620 1.93198299
1.79560000 1.82250000 1.84960000 1.87690000 1.90440000 1.93210000 1.96000000 1.98810000
42% 43% 44% 45% 46% 47% 48%
1.00097452 1.00099403 1.00101341 1.00103265 1.00105177 1.00107075 1.00108960
1.00194999 1.00198906 1.00202785 1.00206637 1.00210464 1.00214264 1.00218039
1.00292641 1.00298507 1.00304331 1.00310116 1.00315861 1.00321568 1.00327236
1.00390379 1.00398207 1.00405981 1.00413702 1.00421370 1.00428987 1.00436552
1.00488211 1.00498006 1.00507733 1.00517394 1.00526990 1.00536521 1.00545988
1.00586139 1.00597904 1.00609589 1.00621194 1.00632721 1.00644170 1.00655543
1.00684163 1.00697902 1.00711548 1.00725101 1.00738563 1.00751934 1.00765217
1.00782281 1.00797999 1.00813610 1.00829115 1.00844516 1.00859814 1.00875011
1.00880496 1.00898196 1.00915776 1.00933237 1.00950581 1.00967809 1.00984924
1.00978806 1.00998492 1.01018045 1.01037466 1.01056757 1.01075920 1.01094957
1.01077212 1.01098888 1.01120417 1.01141802 1.01163045 1.01184147 1.01205110
1.01175714 1.01199384 1.01222894 1.01246247 1.01269445 1.01292489 1.01315383
1.01274312 1.01299979 1.01325474 1.01350799 1.01375956 1.01400948 1.01425776
1.01373006 1.01400675 1.01428159 1.01455460 1.01482580 1.01509523 1.01536290
1.01471796 1.01501471 1.01530947 1.01560228 1.01589316 1.01618214 1.01646923
1.01570683 1.01602367 1.01633840 1.01665104 1.01696164 1.01727021 1.01757678
1.01669665 1.01703363 1.01736836 1.01770089 1.01803124 1.01835945 1.01868553
1.01768745 1.01804459 1.01839938 1.01875183 1.01910197 1.01944985 1.01979549
1.01867920 1.01905656 1.01943143 1.01980384 1.02017383 1.02054142 1.02090666
1.01967193 1.02006954 1.02046454 1.02085695 1.02124681 1.02163416 1.02201903
1.02066562 1.02108352 1.02149869 1.02191114 1.02232092 1.02272807 1.02313263
1.02166028 1.02209852 1.02253388 1.02296642 1.02339617 1.02382316 1.02424743
1.02265591 1.02311452 1.02357013 1.02402279 1.02447254 1.02491941 1.02536345
1.02365251 1.02413153 1.02460743 1.02508025 1.02555004 1.02601684 1.02648068
1.02465008 1.02514955 1.02564577 1.02613880 1.02662868 1.02711544 1.02759914
1.02564863 1.02616858 1.02668518 1.02719845 1.02770845 1.02821522 1.02871881
1.02664814 1.02718863 1.02772563 1.02825919 1.02878936 1.02931618 1.02983970
1.02764863 1.02820969 1.02876714 1.02932103 1.02987141 1.03041832 1.03096181
1.02865010 1.02923176 1.02980970 1.03038396 1.03095459 1.03152163 1.03208514
1.02965254 1.03025486 1.03085332 1.03144799 1.03203891 1.03262613 1.03320970
1.03065596 1.03127896 1.03189800 1.03251312 1.03312437 1.03373181 1.03433549
1.03166036 1.03230409 1.03294374 1.03357935 1.03421098 1.03483868 1.03546250
1.03266573 1.03333023 1.03399053 1.03464668 1.03529872 1.03594673 1.03659074
1.03367209 1.03435740 1.03503839 1.03571511 1.03638761 1.03705596 1.03772021
1.03467942 1.03538559 1.03608731 1.03678464 1.03747765 1.03816639 1.03885090
1.03568774 1.03641479 1.03713729 1.03785528 1.03856883 1.03927800 1.03998284
1.03669704 1.03744503 1.03818834 1.03892703 1.03966116 1.04039080 1.04111600
1.03770732 1.03847628 1.03924045 1.03999988 1.04075464 1.04150480 1.04225040
1.03871859 1.03950856 1.04029362 1.04107384 1.04184927 1.04261998 1.04338603
1.03973084 1.04054187 1.04134787 1.04214891 1.04294505 1.04373636 1.04452291
1.04074408 1.04157620 1.04240318 1.04322509 1.04404199 1.04485394 1.04566102
1.04175831 1.04261156 1.04345956 1.04430238 1.04514007 1.04597271 1.04680037
1.04277353 1.04364796 1.04451702 1.04538078 1.04623931 1.04709269 1.04794096
1.04378973 1.04468538 1.04557554 1.04646030 1.04733971 1.04821386 1.04908280
1.04480693 1.04572383 1.04663514 1.04754093 1.04844127 1.04933623 1.05022588
1.04582511 1.04676331 1.04769581 1.04862268 1.04954398 1.05045980 1.05137020
1.04684429 1.04780383 1.04875756 1.04970554 1.05064786 1.05158458 1.05251577
1.04786446 1.04884539 1.04982038 1.05078952 1.05175289 1.05271056 1.05366259
1.04888563 1.04988797 1.05088428 1.05187462 1.05285909 1.05383774 1.05481066
1.04990779 1.05093160 1.05194926 1.05296085 1.05396645 1.05496613 1.05595998
1.05093095 1.05197626 1.05301531 1.05404819 1.05507497 1.05609574 1.05711056
1.05195510 1.05302196 1.05408245 1.05513666 1.05618466 1.05722655 1.05826238
1.05298026 1.05406870 1.05515067 1.05622625 1.05729552 1.05835857 1.05941546
1.05400641 1.05511648 1.05621997 1.05731696 1.05840755 1.05949180 1.06056980
1.05503356 1.05616530 1.05729035 1.05840881 1.05952074 1.06062625 1.06172540
1.05606171 1.05721516 1.05836182 1.05950178 1.06063511 1.06176191 1.06288225
1.05709087 1.05826607 1.05943438 1.06059588 1.06175065 1.06289879 1.06404037
1.05812103 1.05931802 1.06050802 1.06169110 1.06286736 1.06403688 1.06519975
1.05915219 1.06037102 1.06158275 1.06278746 1.06398525 1.06517620 1.06636039
1.06018435 1.06142507 1.06265857 1.06388495 1.06510431 1.06631673 1.06752229
1.07578811 1.07736205 1.07892731 1.08048398 1.08203218 1.08357201 1.08510357
1.09162151 1.09353833 1.09544512 1.09734200 1.09922909 1.10110652 1.10297439
1.10768796 1.10995749 1.11221580 1.11446303 1.11669931 1.11892477 1.12113953
1.12399086 1.12662317 1.12924323 1.13185120 1.13444719 1.13703137 1.13960384
1.14053372 1.14353909 1.14653135 1.14951065 1.15247714 1.15543096 1.15837225
1.15732005 1.16070899 1.16408414 1.16744564 1.17079365 1.17412830 1.17744975
1.17435344 1.17813670 1.18190565 1.18566045 1.18940125 1.19312820 1.19684144
1.19163753 1.19582607 1.20000000 1.20415946 1.20830460 1.21243557 1.21655251
1.20917600 1.21378105 1.21837136 1.22294709 1.22750837 1.23205536 1.23658819
1.22697261 1.23200562 1.23702399 1.24202785 1.24701736 1.25199265 1.25695385
1.24503114 1.25050382 1.25596217 1.26140632 1.26683640 1.27225256 1.27765492
1.26335546 1.26927977 1.27519028 1.28108713 1.28697044 1.29284033 1.29869692
1.28194948 1.28833763 1.29471277 1.30107501 1.30742446 1.31376124 1.32008546
1.30081716 1.30768165 1.31453414 1.32137474 1.32820357 1.33502070 1.34182626
1.31996254 1.32731610 1.33465896 1.34199120 1.34931292 1.35662419 1.36392511
1.33938970 1.34724536 1.35509188 1.36292932 1.37075776 1.37857727 1.38638791
1.35910278 1.36747386 1.37583762 1.38419413 1.39254343 1.40088559 1.40922066
1.37910600 1.38800608 1.39690097 1.40579071 1.41467534 1.42355491 1.43242944
1.39940363 1.40884658 1.41828678 1.42772425 1.43715900 1.44659107 1.45602046
1.42000000 1.43000000 1.44000000 1.45000000 1.46000000 1.47000000 1.48000000
1.46210661 1.47326444 1.48442878 1.49559958 1.50677681 1.51796041 1.52915036
1.50546178 1.51783784 1.53022834 1.54263318 1.55505229 1.56748559 1.57993299
1.55010255 1.56375981 1.57744097 1.59114590 1.60487447 1.61862658 1.63240210
1.59606703 1.61107114 1.62611026 1.64118423 1.65629290 1.67143611 1.68661369
1.64339447 1.65981386 1.67628116 1.69279618 1.70935872 1.72596860 1.74262563
1.69212529 1.71003129 1.72800000 1.74603121 1.76412471 1.78228028 1.80049771
1.74230110 1.76176803 1.78131454 1.80094038 1.82064534 1.84042919 1.86029170
1.79396476 1.81507007 1.83627401 1.85757634 1.87897684 1.90047528 1.92207144
1.84716037 1.86998475 1.89292916 1.91599338 1.93917721 1.96248044 1.98590286
1.90193337 1.92656087 1.95133231 1.97624752 2.00130633 2.02650858 2.05185411
1.95833052 1.98484869 2.01153739 2.03839653 2.06542600 2.09262572 2.11999558
2.01640000 2.04490000 2.07360000 2.10250000 2.13160000 2.16090000 2.19040000
49% 50%
1.00110833 1.00112693
1.00221788 1.00225512
1.00332866 1.00338459
1.00444068 1.00451533
1.00555392 1.00564735
1.00666840 1.00678064
1.00778412 1.00791520
1.00890107 1.00905105
1.01001926 1.01018818
1.01113869 1.01132659
1.01225936 1.01246628
1.01338128 1.01360725
1.01450443 1.01474951
1.01562883 1.01589306
1.01675448 1.01703790
1.01788137 1.01818402
1.01900952 1.01933144
1.02013891 1.02048015
1.02126956 1.02163016
1.02240146 1.02278146
1.02353461 1.02393406
1.02466902 1.02508796
1.02580469 1.02624316
1.02694161 1.02739966
1.02807980 1.02855746
1.02921924 1.02971657
1.03035995 1.03087699
1.03150193 1.03203871
1.03264517 1.03320174
1.03378967 1.03436608
1.03493545 1.03553174
1.03608249 1.03669871
1.03723081 1.03786699
1.03838040 1.03903659
1.03953126 1.04020751
1.04068340 1.04137974
1.04183681 1.04255330
1.04299151 1.04372818
1.04414748 1.04490439
1.04530474 1.04608192
1.04646328 1.04726078
1.04762310 1.04844096
1.04878420 1.04962248
1.04994660 1.05080533
1.05111028 1.05198951
1.05227525 1.05317502
1.05344152 1.05436187
1.05460907 1.05555006
1.05577792 1.05673959
1.05694807 1.05793045
1.05811951 1.05912266
1.05929225 1.06031622
1.06046629 1.06151112
1.06164163 1.06270736
1.06281827 1.06390495
1.06399622 1.06510390
1.06517548 1.06630419
1.06635604 1.06750584
1.06753791 1.06870884
1.06872109 1.06991319
1.08662695 1.08814226
1.10483282 1.10668192
1.12334372 1.12553745
1.14216476 1.14471424
1.16130114 1.16421777
1.18075813 1.18405359
1.20054112 1.20422737
1.22065556 1.22474487
1.24110701 1.24561195
1.26190111 1.26683456
1.28304361 1.28841875
1.30454034 1.31037070
1.32639723 1.33269666
1.34862033 1.35540301
1.37121576 1.37849622
1.39418977 1.40198290
1.41754869 1.42586974
1.44129898 1.45016356
1.46544719 1.47487130
1.49000000 1.50000000
1.54034661 1.55154912
1.59239442 1.60486979
1.64620090 1.66002288
1.70182549 1.71707136
1.75932962 1.77608038
1.81877679 1.83711731
1.88023266 1.90025183
1.94376510 1.96555605
2.00944429 2.03310451
2.07734275 2.10297435
2.14753548 2.17524534
2.22010000 2.25000000
TABLA D-6 FACTOR DE INTERES (DIA) DEL VALOR PRESENTE:n = DIASi = TIEA (TASA DE INTERES EFECTIVA ANUAL)
DIAS 1% 2% 3% 4% 5% 6% 7%
1 0.99997236 0.99994499 0.99991790 0.99989106 0.99986448 0.99983816 0.99981208
2 0.99994472 0.99988999 0.99983580 0.99978213 0.99972898 0.99967634 0.99962419
3 0.99991708 0.99983499 0.99975371 0.99967321 0.99959350 0.99951454 0.99943634
4 0.99988945 0.99978000 0.99967162 0.99956431 0.99945803 0.99935278 0.99924852
5 0.99986181 0.99972500 0.99958955 0.99945542 0.99932259 0.99919104 0.99906074
6 0.99983417 0.99967001 0.99950747 0.99934654 0.99918716 0.99902932 0.99887299
7 0.99980654 0.99961502 0.99942541 0.99923767 0.99905175 0.99886764 0.99868528
8 0.99977891 0.99956004 0.99934335 0.99912881 0.99891636 0.99870597 0.99849760
9 0.99975127 0.99950506 0.99926130 0.99901996 0.99878099 0.99854434 0.99830996
10 0.99972364 0.99945008 0.99917926 0.99891113 0.99864564 0.99838273 0.99812236
11 0.99969601 0.99939510 0.99909722 0.99880231 0.99851030 0.99822115 0.99793479
12 0.99966838 0.99934013 0.99901519 0.99869350 0.99837498 0.99805959 0.99774725
13 0.99964075 0.99928516 0.99893317 0.99858470 0.99823968 0.99789806 0.99755975
14 0.99961312 0.99923019 0.99885115 0.99847591 0.99810440 0.99773655 0.99737229
15 0.99958549 0.99917523 0.99876914 0.99836714 0.99796914 0.99757507 0.99718486
16 0.99955786 0.99912027 0.99868714 0.99825838 0.99783390 0.99741362 0.99699747
17 0.99953023 0.99906531 0.99860514 0.99814962 0.99769867 0.99725219 0.99681011
18 0.99950261 0.99901036 0.99852315 0.99804089 0.99756346 0.99709079 0.99662278
19 0.99947498 0.99895541 0.99844117 0.99793216 0.99742828 0.99692942 0.99643549
20 0.99944736 0.99890046 0.99835919 0.99782344 0.99729311 0.99676807 0.99624824
21 0.99941973 0.99884551 0.99827722 0.99771474 0.99715795 0.99660675 0.99606102
22 0.99939211 0.99879057 0.99819526 0.99760605 0.99702282 0.99644545 0.99587384
23 0.99936449 0.99873563 0.99811330 0.99749737 0.99688770 0.99628418 0.99568669
24 0.99933686 0.99868070 0.99803135 0.99738870 0.99675261 0.99612294 0.99549958
25 0.99930924 0.99862576 0.99794941 0.99728005 0.99661753 0.99596172 0.99531250
26 0.99928162 0.99857083 0.99786747 0.99717140 0.99648247 0.99580053 0.99512546
27 0.99925400 0.99851591 0.99778555 0.99706277 0.99634742 0.99563937 0.99493845
28 0.99922638 0.99846098 0.99770362 0.99695415 0.99621240 0.99547823 0.99475148
29 0.99919877 0.99840606 0.99762171 0.99684554 0.99607739 0.99531711 0.99456455
30 0.99917115 0.99835114 0.99753980 0.99673694 0.99594241 0.99515603 0.99437764
31 0.99914353 0.99829623 0.99745790 0.99662836 0.99580744 0.99499497 0.99419078
32 0.99911592 0.99824131 0.99737600 0.99651978 0.99567249 0.99483393 0.99400395
33 0.99908830 0.99818641 0.99729411 0.99641122 0.99553755 0.99467292 0.99381715
34 0.99906069 0.99813150 0.99721223 0.99630267 0.99540264 0.99451194 0.99363039
35 0.99903307 0.99807660 0.99713035 0.99619414 0.99526774 0.99435098 0.99344366
36 0.99900546 0.99802170 0.99704848 0.99608561 0.99513287 0.99419005 0.99325697
37 0.99897785 0.99796680 0.99696662 0.99597710 0.99499801 0.99402915 0.99307032
38 0.99895024 0.99791191 0.99688477 0.99586859 0.99486317 0.99386827 0.99288370
39 0.99892263 0.99785701 0.99680292 0.99576010 0.99472834 0.99370742 0.99269711
40 0.99889502 0.99780213 0.99672108 0.99565162 0.99459354 0.99354659 0.99251056
41 0.99886741 0.99774724 0.99663924 0.99554316 0.99445875 0.99338579 0.99232404
42 0.99883980 0.99769236 0.99655741 0.99543470 0.99432398 0.99322502 0.99213756
43 0.99881219 0.99763748 0.99647559 0.99532626 0.99418923 0.99306427 0.99195112
44 0.99878459 0.99758261 0.99639378 0.99521783 0.99405450 0.99290354 0.99176471
45 0.99875698 0.99752773 0.99631197 0.99510941 0.99391979 0.99274285 0.99157833
46 0.99872938 0.99747286 0.99623017 0.99500100 0.99378509 0.99258218 0.99139199
47 0.99870177 0.99741800 0.99614837 0.99489261 0.99365042 0.99242153 0.99120569
48 0.99867417 0.99736313 0.99606658 0.99478422 0.99351576 0.99226091 0.99101942
49 0.99864657 0.99730827 0.99598480 0.99467585 0.99338112 0.99210032 0.99083318
50 0.99861896 0.99725341 0.99590303 0.99456749 0.99324650 0.99193976 0.99064698
51 0.99859136 0.99719856 0.99582126 0.99445914 0.99311189 0.99177922 0.99046081
52 0.99856376 0.99714371 0.99573950 0.99435080 0.99297731 0.99161870 0.99027468
53 0.99853616 0.99708886 0.99565774 0.99424248 0.99284274 0.99145821 0.99008859
54 0.99850856 0.99703401 0.99557599 0.99413416 0.99270819 0.99129775 0.98990253
55 0.99848097 0.99697917 0.99549425 0.99402586 0.99257366 0.99113731 0.98971650
56 0.99845337 0.99692433 0.99541252 0.99391757 0.99243915 0.99097690 0.98953051
57 0.99842577 0.99686949 0.99533079 0.99380930 0.99230465 0.99081652 0.98934456
58 0.99839818 0.99681466 0.99524907 0.99370103 0.99217018 0.99065616 0.98915864
59 0.99837058 0.99675983 0.99516736 0.99359278 0.99203572 0.99049583 0.98897275
60 0.99834299 0.99670500 0.99508565 0.99348453 0.99190128 0.99033552 0.98878690
75 0.99792916 0.99588295 0.99386084 0.99186231 0.98988687 0.98793403 0.98600333
90 0.99751551 0.99506158 0.99263754 0.99024274 0.98787655 0.98553836 0.98322759
105 0.99710203 0.99424088 0.99141574 0.98862581 0.98587031 0.98314850 0.98045966
120 0.99668872 0.99342086 0.99019545 0.98701152 0.98386815 0.98076444 0.97769953
135 0.99627558 0.99260152 0.98897666 0.98539986 0.98187005 0.97838616 0.97494717
150 0.99586261 0.99178285 0.98775937 0.98379084 0.97987601 0.97601365 0.97220256
165 0.99544982 0.99096486 0.98654357 0.98218445 0.97788602 0.97364688 0.96946567
180 0.99503719 0.99014754 0.98532928 0.98058068 0.97590007 0.97128586 0.96673649
195 0.99462474 0.98933090 0.98411648 0.97897952 0.97391816 0.96893057 0.96401499
210 0.99421245 0.98851493 0.98290517 0.97738098 0.97194027 0.96658098 0.96130115
225 0.99380034 0.98769963 0.98169535 0.97578506 0.96996639 0.96423709 0.95859495
240 0.99338840 0.98688501 0.98048702 0.97419173 0.96799653 0.96189889 0.95589638
255 0.99297663 0.98607106 0.97928018 0.97260101 0.96603067 0.95956636 0.95320539
270 0.99256503 0.98525778 0.97807483 0.97101289 0.96406879 0.95723948 0.95052199
285 0.99215360 0.98444517 0.97687096 0.96942736 0.96211091 0.95491824 0.94784613
300 0.99174234 0.98363323 0.97566857 0.96784442 0.96015700 0.95260264 0.94517781
315 0.99133125 0.98282196 0.97446766 0.96626406 0.95820705 0.95029264 0.94251700
330 0.99092033 0.98201135 0.97326822 0.96468629 0.95626107 0.94798826 0.93986369
345 0.99050959 0.98120142 0.97207027 0.96311109 0.95431904 0.94568945 0.93721784
360 0.99009901 0.98039216 0.97087379 0.96153846 0.95238095 0.94339623 0.93457944
390 0.98927837 0.97877563 0.96848524 0.95840091 0.94851658 0.93882644 0.92932490
420 0.98845840 0.97716177 0.96610257 0.95527359 0.94466788 0.93427879 0.92409991
450 0.98763912 0.97555057 0.96372576 0.95215648 0.94083481 0.92975317 0.91890429
480 0.98682051 0.97394202 0.96135480 0.94904954 0.93701728 0.92524947 0.91373788
510 0.98600259 0.97233613 0.95898968 0.94595273 0.93321525 0.92076759 0.90860052
540 0.98518534 0.97073289 0.95663037 0.94286603 0.92942864 0.91630742 0.90349205
570 0.98436877 0.96913228 0.95427686 0.93978941 0.92565740 0.91186885 0.89841229
600 0.98355287 0.96753432 0.95192915 0.93672282 0.92190146 0.90745178 0.89336110
630 0.98273765 0.96593900 0.94958721 0.93366624 0.91816076 0.90305611 0.88833830
660 0.98192311 0.96434630 0.94725103 0.93061963 0.91443523 0.89868173 0.88334375
690 0.98110924 0.96275623 0.94492060 0.92758297 0.91072483 0.89432854 0.87837728
720 0.98029605 0.96116878 0.94259591 0.92455621 0.90702948 0.88999644 0.87343873
FACTOR DE INTERES (DIA) DEL VALOR PRESENTE:
redondeo = 88% 9% 10% 11% 12% 13% 14% 15% 16%
0.99978624 0.99976065 0.99973528 0.99971015 0.99968525 0.99966056 0.99963610 0.99961185 0.99958781
0.99957253 0.99952135 0.99947064 0.99942039 0.99937059 0.99932124 0.99927233 0.99922385 0.99917578
0.99935886 0.99928211 0.99920606 0.99913071 0.99905604 0.99898204 0.99890869 0.99883600 0.99876393
0.99914524 0.99904293 0.99894156 0.99884112 0.99874158 0.99864295 0.99854519 0.99844829 0.99835225
0.99893167 0.99880380 0.99867712 0.99855161 0.99842723 0.99830397 0.99818182 0.99806074 0.99794073
0.99871814 0.99856474 0.99841276 0.99826218 0.99811297 0.99796511 0.99781858 0.99767335 0.99752939
0.99850465 0.99832573 0.99814846 0.99797283 0.99779881 0.99762637 0.99745547 0.99728610 0.99711822
0.99829122 0.99808677 0.99788424 0.99768358 0.99748475 0.99728774 0.99709250 0.99689900 0.99670721
0.99807782 0.99784788 0.99762008 0.99739440 0.99717079 0.99694922 0.99672965 0.99651205 0.99629638
0.99786448 0.99760904 0.99735600 0.99710531 0.99685693 0.99661082 0.99636694 0.99612525 0.99588571
0.99765118 0.99737026 0.99709198 0.99681630 0.99654317 0.99627254 0.99600436 0.99573860 0.99547521
0.99743792 0.99713153 0.99682804 0.99652738 0.99622950 0.99593437 0.99564192 0.99535210 0.99506488
0.99722471 0.99689286 0.99656416 0.99623854 0.99591594 0.99559631 0.99527960 0.99496576 0.99465473
0.99701154 0.99665425 0.99630035 0.99594978 0.99560247 0.99525837 0.99491742 0.99457956 0.99424474
0.99679843 0.99641570 0.99603662 0.99566111 0.99528910 0.99492054 0.99455537 0.99419351 0.99383492
0.99658535 0.99617721 0.99577295 0.99537252 0.99497583 0.99458283 0.99419345 0.99380761 0.99342526
0.99637232 0.99593877 0.99550935 0.99508401 0.99466266 0.99424523 0.99383166 0.99342186 0.99301578
0.99615934 0.99570039 0.99524583 0.99479559 0.99434959 0.99390775 0.99347000 0.99303626 0.99260647
0.99594641 0.99546206 0.99498237 0.99450725 0.99403662 0.99357038 0.99310848 0.99265081 0.99219732
0.99573351 0.99522379 0.99471898 0.99421900 0.99372374 0.99323313 0.99274708 0.99226551 0.99178835
0.99552067 0.99498558 0.99445567 0.99393082 0.99341096 0.99289599 0.99238582 0.99188036 0.99137954
0.99530787 0.99474743 0.99419242 0.99364274 0.99309829 0.99255897 0.99202469 0.99149536 0.99097090
0.99509511 0.99450933 0.99392924 0.99335473 0.99278571 0.99222206 0.99166369 0.99111051 0.99056243
0.99488240 0.99427129 0.99366613 0.99306681 0.99247322 0.99188526 0.99130282 0.99072581 0.99015412
0.99466974 0.99403331 0.99340309 0.99277897 0.99216084 0.99154858 0.99094209 0.99034126 0.98974599
0.99445712 0.99379538 0.99314012 0.99249122 0.99184856 0.99121201 0.99058148 0.98995685 0.98933802
0.99424455 0.99355752 0.99287722 0.99220355 0.99153637 0.99087556 0.99022101 0.98957260 0.98893023
0.99403202 0.99331970 0.99261439 0.99191596 0.99122428 0.99053922 0.98986067 0.98918850 0.98852260
0.99381954 0.99308195 0.99235163 0.99162846 0.99091229 0.99020300 0.98950045 0.98880454 0.98811513
0.99360710 0.99284425 0.99208894 0.99134104 0.99060040 0.98986689 0.98914037 0.98842073 0.98770784
0.99339471 0.99260661 0.99182632 0.99105370 0.99028860 0.98953089 0.98878042 0.98803708 0.98730071
0.99318236 0.99236903 0.99156377 0.99076645 0.98997691 0.98919501 0.98842061 0.98765357 0.98689376
0.99297006 0.99213150 0.99130129 0.99047928 0.98966531 0.98885924 0.98806092 0.98727021 0.98648696
0.99275781 0.99189403 0.99103888 0.99019219 0.98935381 0.98852359 0.98770136 0.98688700 0.98608034
0.99254560 0.99165661 0.99077653 0.98990519 0.98904241 0.98818805 0.98734194 0.98650393 0.98567389
0.99233344 0.99141926 0.99051426 0.98961826 0.98873111 0.98785262 0.98698264 0.98612102 0.98526760
0.99212132 0.99118196 0.99025205 0.98933143 0.98841990 0.98751731 0.98662348 0.98573825 0.98486148
0.99190924 0.99094471 0.98998992 0.98904467 0.98810879 0.98718211 0.98626444 0.98535564 0.98445553
0.99169721 0.99070753 0.98972785 0.98875800 0.98779778 0.98684702 0.98590554 0.98497317 0.98404974
0.99148523 0.99047040 0.98946586 0.98847141 0.98748687 0.98651205 0.98554677 0.98459085 0.98364412
0.99127329 0.99023332 0.98920393 0.98818491 0.98717606 0.98617719 0.98518813 0.98420868 0.98323867
0.99106140 0.98999631 0.98894207 0.98789848 0.98686534 0.98584245 0.98482962 0.98382666 0.98283339
0.99084955 0.98975935 0.98868028 0.98761215 0.98655472 0.98550782 0.98447124 0.98344478 0.98242827
FIVPd= 1/(1+i)^(n/360)
0.99063775 0.98952245 0.98841857 0.98732589 0.98624420 0.98517330 0.98411299 0.98306306 0.98202332
0.99042600 0.98928560 0.98815692 0.98703972 0.98593378 0.98483890 0.98375487 0.98268148 0.98161854
0.99021428 0.98904881 0.98789534 0.98675362 0.98562346 0.98450461 0.98339688 0.98230005 0.98121392
0.99000262 0.98881208 0.98763382 0.98646762 0.98531323 0.98417043 0.98303902 0.98191877 0.98080947
0.98979100 0.98857540 0.98737238 0.98618169 0.98500310 0.98383637 0.98268129 0.98153763 0.98040519
0.98957942 0.98833878 0.98711101 0.98589585 0.98469307 0.98350242 0.98232369 0.98115664 0.98000107
0.98936789 0.98810222 0.98684971 0.98561009 0.98438313 0.98316859 0.98196622 0.98077581 0.97959712
0.98915641 0.98786571 0.98658847 0.98532442 0.98407330 0.98283486 0.98160888 0.98039512 0.97919334
0.98894497 0.98762927 0.98632731 0.98503882 0.98376356 0.98250125 0.98125167 0.98001457 0.97878972
0.98873357 0.98739287 0.98606621 0.98475331 0.98345391 0.98216776 0.98089459 0.97963418 0.97838627
0.98852222 0.98715654 0.98580518 0.98446788 0.98314437 0.98183438 0.98053765 0.97925393 0.97798299
0.98831092 0.98692026 0.98554423 0.98418254 0.98283492 0.98150111 0.98018083 0.97887383 0.97757987
0.98809966 0.98668403 0.98528334 0.98389728 0.98252557 0.98116795 0.97982414 0.97849388 0.97717692
0.98788844 0.98644787 0.98502252 0.98361210 0.98221632 0.98083491 0.97946758 0.97811408 0.97677414
0.98767728 0.98621176 0.98476177 0.98332700 0.98190717 0.98050198 0.97911115 0.97773442 0.97637152
0.98746615 0.98597570 0.98450108 0.98304199 0.98159811 0.98016916 0.97875485 0.97735491 0.97596906
0.98725507 0.98573971 0.98424047 0.98275705 0.98128915 0.97983645 0.97839868 0.97697555 0.97556678
0.98409430 0.98220652 0.98033955 0.97849298 0.97666640 0.97485942 0.97307166 0.97130275 0.96955233
0.98094365 0.97868600 0.97645409 0.97424740 0.97206542 0.96990766 0.96777364 0.96566289 0.96357495
0.97780309 0.97517810 0.97258403 0.97002024 0.96748612 0.96498106 0.96250446 0.96005577 0.95763443
0.97467258 0.97168277 0.96872931 0.96581143 0.96292839 0.96007948 0.95726398 0.95448122 0.95173054
0.97155209 0.96819997 0.96488986 0.96162088 0.95839214 0.95520279 0.95205202 0.94893903 0.94586304
0.96844160 0.96472965 0.96106563 0.95744851 0.95387725 0.95035088 0.94686845 0.94342902 0.94003171
0.96534106 0.96127177 0.95725656 0.95329424 0.94938363 0.94552361 0.94171310 0.93795101 0.93423634
0.96225045 0.95782629 0.95346259 0.94915800 0.94491118 0.94072087 0.93658581 0.93250481 0.92847669
0.95916973 0.95439315 0.94968365 0.94503970 0.94045980 0.93594252 0.93148644 0.92709023 0.92275255
0.95609888 0.95097232 0.94591969 0.94093927 0.93602939 0.93118844 0.92641484 0.92170709 0.91706371
0.95303786 0.94756375 0.94217065 0.93685664 0.93161986 0.92645851 0.92137085 0.91635520 0.91140993
0.94998664 0.94416740 0.93843647 0.93279172 0.92723109 0.92175260 0.91635432 0.91103439 0.90579101
0.94694518 0.94078322 0.93471709 0.92874443 0.92286300 0.91707060 0.91136511 0.90574448 0.90020673
0.94391347 0.93741118 0.93101244 0.92471471 0.91851549 0.91241238 0.90640306 0.90048528 0.89465688
0.94089146 0.93405121 0.92732249 0.92070247 0.91418845 0.90777782 0.90146802 0.89525662 0.88914125
0.93787913 0.93070330 0.92364715 0.91670764 0.90988181 0.90316680 0.89655986 0.89005832 0.88365962
0.93487644 0.92736738 0.91998639 0.91273014 0.90559545 0.89857920 0.89167842 0.88489021 0.87821178
0.93188336 0.92404342 0.91634013 0.90876990 0.90132928 0.89401491 0.88682355 0.87975210 0.87279753
0.92889987 0.92073137 0.91270832 0.90482685 0.89708321 0.88947380 0.88199512 0.87464383 0.86741666
0.92592593 0.91743119 0.90909091 0.90090090 0.89285714 0.88495575 0.87719298 0.86956522 0.86206897
0.92000658 0.91086628 0.90189904 0.89310003 0.88446464 0.87598840 0.86766699 0.85949629 0.85147228
0.91412507 0.90434835 0.89476407 0.88536672 0.87615103 0.86711191 0.85824446 0.84954395 0.84100584
0.90828116 0.89787706 0.88768554 0.87770036 0.86791555 0.85832536 0.84892424 0.83970686 0.83066806
0.90247461 0.89145208 0.88066301 0.87010039 0.85975749 0.84962785 0.83970524 0.82998367 0.82045736
0.89670518 0.88507307 0.87369603 0.86256622 0.85167612 0.84101848 0.83058636 0.82037306 0.81037216
0.89097264 0.87873971 0.86678417 0.85509729 0.84367070 0.83249634 0.82156650 0.81087375 0.80041094
0.88527674 0.87245167 0.85992699 0.84769304 0.83574053 0.82406056 0.81264460 0.80148442 0.79057216
0.87961726 0.86620862 0.85312406 0.84035290 0.82788490 0.81571026 0.80381958 0.79220382 0.78085432
0.87399395 0.86001025 0.84637495 0.83307631 0.82010311 0.80744458 0.79509040 0.78303068 0.77125593
0.86840660 0.85385623 0.83967923 0.82586274 0.81239447 0.79926265 0.78645602 0.77396376 0.76177553
0.86285496 0.84774625 0.83303648 0.81871163 0.80475829 0.79116363 0.77791540 0.76500183 0.75241167
0.85733882 0.84167999 0.82644628 0.81162243 0.79719388 0.78314668 0.76946753 0.75614367 0.74316290
17% 18% 19% 20% 21% 22% 23% 24% 25%
0.99956397 0.99954034 0.99951691 0.99949368 0.99947064 0.99944779 0.99942513 0.99940265 0.99938035
0.99912814 0.99908090 0.99903406 0.99898762 0.99894156 0.99889588 0.99885058 0.99880565 0.99876108
0.99869249 0.99862166 0.99855144 0.99848181 0.99841276 0.99834428 0.99827637 0.99820901 0.99814220
0.99825703 0.99816264 0.99806905 0.99797626 0.99788424 0.99779299 0.99770249 0.99761273 0.99752370
0.99782177 0.99770383 0.99758690 0.99747096 0.99735600 0.99724199 0.99712893 0.99701680 0.99690558
0.99738669 0.99724523 0.99710498 0.99696592 0.99682804 0.99669130 0.99655571 0.99642123 0.99628785
0.99695180 0.99678684 0.99662329 0.99646114 0.99630035 0.99614092 0.99598282 0.99582601 0.99567050
0.99651711 0.99632866 0.99614183 0.99595661 0.99577295 0.99559084 0.99541025 0.99523115 0.99505353
0.99608260 0.99587069 0.99566061 0.99545233 0.99524583 0.99504106 0.99483801 0.99463665 0.99443694
0.99564828 0.99541293 0.99517962 0.99494832 0.99471898 0.99449159 0.99426611 0.99404250 0.99382074
0.99521415 0.99495538 0.99469886 0.99444455 0.99419242 0.99394242 0.99369453 0.99344871 0.99320492
0.99478021 0.99449804 0.99421833 0.99394104 0.99366613 0.99339356 0.99312328 0.99285527 0.99258948
0.99434646 0.99404092 0.99373804 0.99343779 0.99314012 0.99284499 0.99255236 0.99226218 0.99197442
0.99391290 0.99358400 0.99325798 0.99293479 0.99261439 0.99229673 0.99198177 0.99166945 0.99135974
0.99347953 0.99312729 0.99277815 0.99243205 0.99208894 0.99174878 0.99141150 0.99107707 0.99074544
0.99304634 0.99267079 0.99229855 0.99192956 0.99156377 0.99120112 0.99084157 0.99048505 0.99013152
0.99261335 0.99221451 0.99181918 0.99142733 0.99103888 0.99065377 0.99027196 0.98989338 0.98951799
0.99218054 0.99175843 0.99134005 0.99092535 0.99051426 0.99010672 0.98970268 0.98930207 0.98890483
0.99174793 0.99130256 0.99086115 0.99042362 0.98998992 0.98955997 0.98913372 0.98871110 0.98829206
0.99131550 0.99084690 0.99038247 0.98992215 0.98946586 0.98901353 0.98856509 0.98812049 0.98767966
0.99088326 0.99039145 0.98990403 0.98942093 0.98894207 0.98846738 0.98799679 0.98753024 0.98706764
0.99045121 0.98993621 0.98942582 0.98891997 0.98841857 0.98792154 0.98742882 0.98694033 0.98645601
0.99001935 0.98948118 0.98894785 0.98841926 0.98789534 0.98737600 0.98686117 0.98635078 0.98584475
0.98958767 0.98902636 0.98847010 0.98791880 0.98737238 0.98683076 0.98629385 0.98576158 0.98523387
0.98915618 0.98857175 0.98799258 0.98741860 0.98684971 0.98628582 0.98572686 0.98517273 0.98462337
0.98872489 0.98811734 0.98751529 0.98691865 0.98632731 0.98574118 0.98516019 0.98458424 0.98401324
0.98829378 0.98766315 0.98703824 0.98641895 0.98580518 0.98519685 0.98459385 0.98399609 0.98340350
0.98786285 0.98720916 0.98656141 0.98591951 0.98528334 0.98465281 0.98402783 0.98340830 0.98279413
0.98743212 0.98675538 0.98608482 0.98542031 0.98476177 0.98410907 0.98346214 0.98282086 0.98218514
0.98700157 0.98630182 0.98560845 0.98492138 0.98424047 0.98356564 0.98289677 0.98223377 0.98157653
0.98657121 0.98584846 0.98513232 0.98442269 0.98371945 0.98302250 0.98233173 0.98164703 0.98096829
0.98614104 0.98539530 0.98465641 0.98392426 0.98319871 0.98247967 0.98176701 0.98106064 0.98036044
0.98571106 0.98494236 0.98418074 0.98342607 0.98267824 0.98193713 0.98120262 0.98047460 0.97975296
0.98528126 0.98448963 0.98370530 0.98292815 0.98215805 0.98139489 0.98063855 0.97988891 0.97914585
0.98485165 0.98403710 0.98323008 0.98243047 0.98163814 0.98085296 0.98007481 0.97930357 0.97853912
0.98442223 0.98358478 0.98275509 0.98193304 0.98111850 0.98031132 0.97951139 0.97871858 0.97793277
0.98399300 0.98313267 0.98228034 0.98143587 0.98059913 0.97976998 0.97894829 0.97813394 0.97732679
0.98356395 0.98268076 0.98180581 0.98093895 0.98008004 0.97922894 0.97838552 0.97754964 0.97672119
0.98313509 0.98222907 0.98133151 0.98044228 0.97956122 0.97868820 0.97782307 0.97696570 0.97611596
0.98270642 0.98177758 0.98085745 0.97994586 0.97904268 0.97814776 0.97726095 0.97638211 0.97551111
0.98227793 0.98132630 0.98038361 0.97944970 0.97852442 0.97760761 0.97669914 0.97579886 0.97490664
0.98184963 0.98087523 0.97991000 0.97895378 0.97800642 0.97706777 0.97613766 0.97521597 0.97430253
0.98142152 0.98042436 0.97943661 0.97845812 0.97748870 0.97652822 0.97557651 0.97463342 0.97369881
0.98099360 0.97997370 0.97896346 0.97796270 0.97697126 0.97598897 0.97501567 0.97405122 0.97309545
0.98056586 0.97952325 0.97849054 0.97746754 0.97645409 0.97545002 0.97445516 0.97346937 0.97249247
0.98013830 0.97907301 0.97801784 0.97697263 0.97593719 0.97491136 0.97389497 0.97288786 0.97188987
0.97971094 0.97862297 0.97754537 0.97647797 0.97542057 0.97437301 0.97333511 0.97230670 0.97128763
0.97928376 0.97817314 0.97707313 0.97598356 0.97490422 0.97383495 0.97277556 0.97172589 0.97068577
0.97885676 0.97772351 0.97660112 0.97548940 0.97438814 0.97329719 0.97221634 0.97114543 0.97008429
0.97842996 0.97727410 0.97612934 0.97499549 0.97387234 0.97275972 0.97165744 0.97056531 0.96948317
0.97800334 0.97682489 0.97565778 0.97450183 0.97335681 0.97222255 0.97109886 0.96998554 0.96888243
0.97757690 0.97637588 0.97518646 0.97400841 0.97284155 0.97168568 0.97054060 0.96940612 0.96828206
0.97715065 0.97592708 0.97471536 0.97351525 0.97232657 0.97114910 0.96998266 0.96882704 0.96768207
0.97672459 0.97547849 0.97424448 0.97302234 0.97181186 0.97061282 0.96942504 0.96824831 0.96708244
0.97629871 0.97503011 0.97377384 0.97252968 0.97129742 0.97007684 0.96886774 0.96766992 0.96648319
0.97587302 0.97458193 0.97330342 0.97203727 0.97078325 0.96954115 0.96831077 0.96709188 0.96588430
0.97544751 0.97413396 0.97283323 0.97154511 0.97026936 0.96900576 0.96775411 0.96651419 0.96528579
0.97502219 0.97368619 0.97236327 0.97105319 0.96975574 0.96847067 0.96719777 0.96593684 0.96468765
0.97459706 0.97323863 0.97189353 0.97056153 0.96924239 0.96793587 0.96664176 0.96535983 0.96408988
0.97417211 0.97279127 0.97142402 0.97007012 0.96872931 0.96740136 0.96608606 0.96478317 0.96349248
0.96782004 0.96610556 0.96440854 0.96272867 0.96106563 0.95941912 0.95778883 0.95617448 0.95457579
0.96150940 0.95946580 0.95744373 0.95544279 0.95346259 0.95150274 0.94956287 0.94764261 0.94574161
0.95523991 0.95287167 0.95052921 0.94821205 0.94591969 0.94365168 0.94140755 0.93918686 0.93698919
0.94901129 0.94632286 0.94366463 0.94103603 0.93843647 0.93586540 0.93332227 0.93080657 0.92831777
0.94282329 0.93981906 0.93684963 0.93391432 0.93101244 0.92814336 0.92530644 0.92250105 0.91972660
0.93667564 0.93335995 0.93008384 0.92684650 0.92364715 0.92048505 0.91735945 0.91426964 0.91121493
0.93056807 0.92694524 0.92336691 0.91983217 0.91634013 0.91288992 0.90948071 0.90611168 0.90278204
0.92450033 0.92057462 0.91669850 0.91287093 0.90909091 0.90535746 0.90166963 0.89802651 0.89442719
0.91847215 0.91424778 0.91007824 0.90596237 0.90189904 0.89788715 0.89392565 0.89001349 0.88614966
0.91248328 0.90796442 0.90350579 0.89910609 0.89476407 0.89047849 0.88624817 0.88207196 0.87794874
0.90653346 0.90172424 0.89698080 0.89230170 0.88768554 0.88313095 0.87863663 0.87420130 0.86982371
0.90062243 0.89552695 0.89050294 0.88554881 0.88066301 0.87584404 0.87109046 0.86640086 0.86177388
0.89474995 0.88937226 0.88407186 0.87884702 0.87369603 0.86861726 0.86360911 0.85867003 0.85379854
0.88891576 0.88325986 0.87768723 0.87219595 0.86678417 0.86145010 0.85619200 0.85100818 0.84589701
0.88311961 0.87718947 0.87134870 0.86559521 0.85992699 0.85434209 0.84883860 0.84341470 0.83806861
0.87736125 0.87116080 0.86505595 0.85904443 0.85312406 0.84729272 0.84154835 0.83588897 0.83031265
0.87164044 0.86517357 0.85880865 0.85254323 0.84637495 0.84030152 0.83432072 0.82843040 0.82262848
0.86595693 0.85922748 0.85260646 0.84609123 0.83967923 0.83336800 0.82715516 0.82103837 0.81501541
0.86031048 0.85332226 0.84644906 0.83968805 0.83303648 0.82649170 0.82005114 0.81371231 0.80747280
0.85470085 0.84745763 0.84033613 0.83333333 0.82644628 0.81967213 0.81300813 0.80645161 0.80000000
0.84359109 0.83584900 0.82824240 0.82076781 0.81342188 0.80620134 0.79910306 0.79212400 0.78526122
0.83262573 0.82439938 0.81632271 0.80839176 0.80060273 0.79295194 0.78543582 0.77805094 0.77079399
0.82180291 0.81310661 0.80457456 0.79620233 0.78798561 0.77992028 0.77200233 0.76422791 0.75659329
0.81112076 0.80196852 0.79299549 0.78419669 0.77556733 0.76710278 0.75879860 0.75065046 0.74265421
0.80057747 0.79098301 0.78158306 0.77237208 0.76334475 0.75449594 0.74582069 0.73731422 0.72897195
0.79017122 0.78014798 0.77033487 0.76072577 0.75131480 0.74209628 0.73306474 0.72421493 0.71554175
0.77990024 0.76946137 0.75924856 0.74925508 0.73947443 0.72990040 0.72052697 0.71134836 0.70235899
0.76976276 0.75892115 0.74832180 0.73795734 0.72782067 0.71790495 0.70820363 0.69871037 0.68941910
0.75975706 0.74852531 0.73755229 0.72682996 0.71635056 0.70610664 0.69609106 0.68629692 0.67671761
0.74988141 0.73827187 0.72693778 0.71587036 0.70506121 0.69450223 0.68418565 0.67410401 0.66425012
0.74013413 0.72815888 0.71647602 0.70507602 0.69394978 0.68308853 0.67248387 0.66212772 0.65201233
0.73051355 0.71818443 0.70616482 0.69444444 0.68301346 0.67186240 0.66098222 0.65036420 0.64000000
26% 27% 28% 29% 30% 31% 32% 33%
0.99935823 0.99933628 0.99931451 0.99929291 0.99927148 0.99925021 0.99922910 0.99920815
0.99871687 0.99867301 0.99862950 0.99858632 0.99854348 0.99850097 0.99845879 0.99841693
0.99807592 0.99801017 0.99794495 0.99788023 0.99781602 0.99775230 0.99768908 0.99762633
0.99743539 0.99734778 0.99726087 0.99717464 0.99708909 0.99700419 0.99691996 0.99683636
0.99679526 0.99668582 0.99657726 0.99646955 0.99636268 0.99625665 0.99615143 0.99604702
0.99615555 0.99602431 0.99589412 0.99576496 0.99563681 0.99550966 0.99538349 0.99525830
0.99551624 0.99536323 0.99521144 0.99506086 0.99491146 0.99476323 0.99461615 0.99447020
0.99487735 0.99470259 0.99452924 0.99435726 0.99418665 0.99401736 0.99384940 0.99368273
0.99423887 0.99404239 0.99384750 0.99365416 0.99346236 0.99327206 0.99308324 0.99289588
0.99360079 0.99338263 0.99316623 0.99295156 0.99273860 0.99252731 0.99231767 0.99210966
0.99296313 0.99272331 0.99248543 0.99224946 0.99201536 0.99178312 0.99155269 0.99132405
0.99232587 0.99206442 0.99180509 0.99154785 0.99129265 0.99103948 0.99078830 0.99053907
0.99168903 0.99140598 0.99112522 0.99084674 0.99057047 0.99029641 0.99002450 0.98975472
0.99105259 0.99074796 0.99044582 0.99014612 0.98984882 0.98955389 0.98926129 0.98897098
0.99041656 0.99009039 0.98976688 0.98944600 0.98912769 0.98881193 0.98849866 0.98818786
0.98978094 0.98943325 0.98908841 0.98874637 0.98840709 0.98807052 0.98773663 0.98740537
0.98914573 0.98877655 0.98841040 0.98804724 0.98768701 0.98732967 0.98697518 0.98662349
0.98851092 0.98812028 0.98773286 0.98734860 0.98696746 0.98658938 0.98621432 0.98584223
0.98787653 0.98746445 0.98705578 0.98665046 0.98624843 0.98584964 0.98545404 0.98506159
0.98724254 0.98680906 0.98637917 0.98595281 0.98552992 0.98511045 0.98469436 0.98428157
0.98660895 0.98615410 0.98570302 0.98525565 0.98481194 0.98437182 0.98393525 0.98350217
0.98597577 0.98549957 0.98502733 0.98455899 0.98409448 0.98363375 0.98317673 0.98272338
0.98534300 0.98484548 0.98435210 0.98386281 0.98337754 0.98289623 0.98241880 0.98194521
0.98471064 0.98419182 0.98367734 0.98316713 0.98266113 0.98215926 0.98166145 0.98116766
0.98407868 0.98353860 0.98300305 0.98247195 0.98194524 0.98142284 0.98090469 0.98039072
0.98344713 0.98288581 0.98232921 0.98177725 0.98122986 0.98068697 0.98014851 0.97961440
0.98281598 0.98223345 0.98165583 0.98108305 0.98051502 0.97995166 0.97939291 0.97883869
0.98218524 0.98158153 0.98098292 0.98038933 0.97980069 0.97921690 0.97863789 0.97806360
0.98155490 0.98093004 0.98031047 0.97969611 0.97908688 0.97848269 0.97788346 0.97728912
0.98092497 0.98027898 0.97963848 0.97900338 0.97837359 0.97774903 0.97712961 0.97651525
0.98029544 0.97962835 0.97896695 0.97831114 0.97766082 0.97701592 0.97637634 0.97574200
0.97966631 0.97897816 0.97829588 0.97761938 0.97694857 0.97628335 0.97562364 0.97496935
0.97903759 0.97832840 0.97762527 0.97692812 0.97623684 0.97555134 0.97487153 0.97419733
0.97840927 0.97767906 0.97695512 0.97623734 0.97552563 0.97481988 0.97412000 0.97342591
0.97778136 0.97703016 0.97628543 0.97554706 0.97481493 0.97408897 0.97336905 0.97265510
0.97715385 0.97638169 0.97561620 0.97485726 0.97410476 0.97335860 0.97261868 0.97188490
0.97652674 0.97573365 0.97494743 0.97416795 0.97339510 0.97262878 0.97186889 0.97111532
0.97590003 0.97508604 0.97427911 0.97347912 0.97268596 0.97189951 0.97111967 0.97034634
0.97527373 0.97443886 0.97361126 0.97279079 0.97197733 0.97117079 0.97037103 0.96957797
0.97464782 0.97379211 0.97294386 0.97210294 0.97126922 0.97044261 0.96962297 0.96881021
0.97402232 0.97314579 0.97227692 0.97141557 0.97056163 0.96971498 0.96887549 0.96804306
0.97339722 0.97249990 0.97161043 0.97072869 0.96985455 0.96898789 0.96812858 0.96727651
0.97277253 0.97185444 0.97094441 0.97004230 0.96914799 0.96826135 0.96738225 0.96651057
0.97214823 0.97120940 0.97027884 0.96935640 0.96844194 0.96753535 0.96663649 0.96574524
0.97152433 0.97056480 0.96961372 0.96867097 0.96773641 0.96680990 0.96589131 0.96498052
0.97090084 0.96992062 0.96894907 0.96798604 0.96703139 0.96608499 0.96514670 0.96421640
0.97027774 0.96927687 0.96828486 0.96730158 0.96632688 0.96536062 0.96440267 0.96345288
0.96965504 0.96863354 0.96762112 0.96661762 0.96562289 0.96463680 0.96365921 0.96268997
0.96903275 0.96799065 0.96695782 0.96593413 0.96491941 0.96391352 0.96291632 0.96192767
0.96841085 0.96734817 0.96629499 0.96525113 0.96421645 0.96319079 0.96217401 0.96116596
0.96778935 0.96670613 0.96563260 0.96456861 0.96351399 0.96246859 0.96143227 0.96040486
0.96716825 0.96606451 0.96497067 0.96388657 0.96281205 0.96174694 0.96069110 0.95964437
0.96654755 0.96542332 0.96430920 0.96320502 0.96211062 0.96102583 0.95995050 0.95888447
0.96592725 0.96478255 0.96364818 0.96252395 0.96140969 0.96030526 0.95921047 0.95812518
0.96530735 0.96414221 0.96298761 0.96184336 0.96070928 0.95958522 0.95847101 0.95736649
0.96468784 0.96350230 0.96232749 0.96116325 0.96000938 0.95886573 0.95773213 0.95660840
0.96406873 0.96286281 0.96166783 0.96048362 0.95930999 0.95814678 0.95699381 0.95585091
0.96345002 0.96222374 0.96100862 0.95980447 0.95861111 0.95742837 0.95625606 0.95509402
0.96283171 0.96158510 0.96034986 0.95912580 0.95791274 0.95671049 0.95551888 0.95433773
0.96221379 0.96094688 0.95969155 0.95844762 0.95721488 0.95599316 0.95478227 0.95358203
0.95299247 0.95142427 0.94987091 0.94833216 0.94680774 0.94529744 0.94380100 0.94231819
0.94385953 0.94199602 0.94015077 0.93832346 0.93651376 0.93472138 0.93294602 0.93118740
0.93481411 0.93266121 0.93053010 0.92842039 0.92633169 0.92426365 0.92221590 0.92018808
0.92585537 0.92341890 0.92100787 0.91862183 0.91626033 0.91392292 0.91160918 0.90931869
0.91698250 0.91426818 0.91158309 0.90892669 0.90629846 0.90369788 0.90112445 0.89857770
0.90819465 0.90520814 0.90225475 0.89933388 0.89644490 0.89358724 0.89076032 0.88796357
0.89949102 0.89623788 0.89302187 0.88984231 0.88669848 0.88358972 0.88051538 0.87747482
0.89087081 0.88735651 0.88388348 0.88045091 0.87705802 0.87370406 0.87038828 0.86710997
0.88233320 0.87856315 0.87483859 0.87115862 0.86752237 0.86392899 0.86037765 0.85686755
0.87387742 0.86985693 0.86588627 0.86196441 0.85809040 0.85426329 0.85048216 0.84674611
0.86550266 0.86123699 0.85702555 0.85286724 0.84876098 0.84470573 0.84070048 0.83674423
0.85720817 0.85270247 0.84825551 0.84386607 0.83953299 0.83525510 0.83103130 0.82686049
0.84899317 0.84425252 0.83957521 0.83495991 0.83040533 0.82591020 0.82147332 0.81709350
0.84085690 0.83588630 0.83098373 0.82614774 0.82137690 0.81666986 0.81202528 0.80744188
0.83279860 0.82760300 0.82248018 0.81742857 0.81244664 0.80753290 0.80268591 0.79790426
0.82481752 0.81940177 0.81406364 0.80880143 0.80361347 0.79849816 0.79345395 0.78847931
0.81691294 0.81128182 0.80573323 0.80026533 0.79487633 0.78956450 0.78432816 0.77916568
0.80908410 0.80324233 0.79748807 0.79181933 0.78623419 0.78073080 0.77530734 0.76996207
0.80133029 0.79528251 0.78932728 0.78346246 0.77768601 0.77199593 0.76639027 0.76086717
0.79365079 0.78740157 0.78125000 0.77519380 0.76923077 0.76335878 0.75757576 0.75187970
0.77851188 0.77187321 0.76534256 0.75891735 0.75259507 0.74637330 0.74024970 0.73422199
0.76366174 0.75665108 0.74975902 0.74298265 0.73631914 0.72976577 0.72331990 0.71697897
0.74909486 0.74172915 0.73449279 0.72738252 0.72039520 0.71352777 0.70677729 0.70014090
0.73480585 0.72710150 0.71953740 0.71210995 0.70481564 0.69765108 0.69061301 0.68369827
0.72078941 0.71276231 0.70488653 0.69715805 0.68957300 0.68212767 0.67481842 0.66764178
0.70704032 0.69870591 0.69053397 0.68252008 0.67466001 0.66694966 0.65938506 0.65196238
0.69355350 0.68492672 0.67647364 0.66818947 0.66006954 0.65210938 0.64430466 0.63665121
0.68032395 0.67141927 0.66269961 0.65415975 0.64579461 0.63759931 0.62956916 0.62169961
0.66734674 0.65817819 0.64920604 0.64042460 0.63182839 0.62341211 0.61517067 0.60709915
0.65461708 0.64519825 0.63598722 0.62697785 0.61816421 0.60954058 0.60110147 0.59284158
0.64213024 0.63247428 0.62303755 0.61381343 0.60479553 0.59597771 0.58735405 0.57891885
0.62988158 0.62000124 0.61035156 0.60092543 0.59171598 0.58271662 0.57392103 0.56532308
34% 35% 36% 37% 38% 39% 40% 41%
0.99918736 0.99916672 0.99914624 0.99912591 0.99910572 0.99908569 0.99906579 0.99904604
0.99837538 0.99833414 0.99829321 0.99825258 0.99821225 0.99817221 0.99813246 0.99809299
0.99756406 0.99750225 0.99744091 0.99738002 0.99731957 0.99725956 0.99719999 0.99714085
0.99675340 0.99667106 0.99658933 0.99650821 0.99642769 0.99634776 0.99626840 0.99618961
0.99594339 0.99584056 0.99573849 0.99563717 0.99553661 0.99543678 0.99533768 0.99523929
0.99513405 0.99501074 0.99488836 0.99476689 0.99464632 0.99452664 0.99440782 0.99428987
0.99432536 0.99418163 0.99403897 0.99389738 0.99375684 0.99361733 0.99347884 0.99334136
0.99351733 0.99335320 0.99319030 0.99302862 0.99286814 0.99270885 0.99255072 0.99239375
0.99270996 0.99252546 0.99234235 0.99216062 0.99198024 0.99180120 0.99162347 0.99144704
0.99190325 0.99169841 0.99149513 0.99129338 0.99109314 0.99089438 0.99069709 0.99050124
0.99109718 0.99087205 0.99064863 0.99042690 0.99020683 0.98998839 0.98977157 0.98955634
0.99029178 0.99004638 0.98980286 0.98956118 0.98932131 0.98908323 0.98884692 0.98861235
0.98948703 0.98922140 0.98895780 0.98869621 0.98843658 0.98817890 0.98792313 0.98766925
0.98868293 0.98839710 0.98811347 0.98783200 0.98755265 0.98727539 0.98700021 0.98672705
0.98787949 0.98757350 0.98726986 0.98696854 0.98666950 0.98637271 0.98607814 0.98578575
0.98707669 0.98675057 0.98642697 0.98610584 0.98578715 0.98547086 0.98515694 0.98484535
0.98627456 0.98592834 0.98558480 0.98524389 0.98490558 0.98456983 0.98423660 0.98390585
0.98547307 0.98510679 0.98474335 0.98438270 0.98402480 0.98366962 0.98331711 0.98296724
0.98467223 0.98428592 0.98390261 0.98352226 0.98314481 0.98277024 0.98239849 0.98202953
0.98387205 0.98346574 0.98306260 0.98266257 0.98226561 0.98187168 0.98148073 0.98109271
0.98307251 0.98264624 0.98222330 0.98180363 0.98138719 0.98097394 0.98056382 0.98015679
0.98227363 0.98182742 0.98138471 0.98094544 0.98050956 0.98007702 0.97964777 0.97922176
0.98147539 0.98100929 0.98054685 0.98008801 0.97963272 0.97918092 0.97873257 0.97828762
0.98067781 0.98019184 0.97970970 0.97923132 0.97875665 0.97828564 0.97781823 0.97735437
0.97988087 0.97937507 0.97887326 0.97837538 0.97788138 0.97739118 0.97690475 0.97642201
0.97908458 0.97855898 0.97803754 0.97752019 0.97700688 0.97649754 0.97599211 0.97549054
0.97828893 0.97774357 0.97720253 0.97666575 0.97613316 0.97560471 0.97508033 0.97455996
0.97749393 0.97692884 0.97636823 0.97581205 0.97526023 0.97471270 0.97416941 0.97363027
0.97669958 0.97611478 0.97553465 0.97495910 0.97438808 0.97382151 0.97325933 0.97270147
0.97590588 0.97530141 0.97470178 0.97410690 0.97351671 0.97293113 0.97235010 0.97177355
0.97511282 0.97448872 0.97386962 0.97325544 0.97264612 0.97204157 0.97144172 0.97084652
0.97432040 0.97367670 0.97303817 0.97240473 0.97177630 0.97115281 0.97053419 0.96992037
0.97352863 0.97286536 0.97220742 0.97155475 0.97090726 0.97026488 0.96962751 0.96899510
0.97273750 0.97205469 0.97137739 0.97070553 0.97003900 0.96937775 0.96872168 0.96807072
0.97194701 0.97124470 0.97054807 0.96985704 0.96917152 0.96849143 0.96781669 0.96714722
0.97115717 0.97043538 0.96971946 0.96900930 0.96830481 0.96760593 0.96691255 0.96622460
0.97036797 0.96962674 0.96889155 0.96816229 0.96743888 0.96672123 0.96600925 0.96530286
0.96957941 0.96881878 0.96806435 0.96731603 0.96657373 0.96583734 0.96510680 0.96438200
0.96879149 0.96801148 0.96723785 0.96647051 0.96570934 0.96495426 0.96420519 0.96346201
0.96800421 0.96720486 0.96641207 0.96562572 0.96484573 0.96407199 0.96330442 0.96254291
0.96721757 0.96639891 0.96558698 0.96478168 0.96398289 0.96319053 0.96240449 0.96162468
0.96643157 0.96559363 0.96476260 0.96393837 0.96312082 0.96230987 0.96150540 0.96070733
0.96564620 0.96478903 0.96393893 0.96309580 0.96225953 0.96143002 0.96060716 0.95979085
0.96486148 0.96398509 0.96311596 0.96225396 0.96139900 0.96055097 0.95970975 0.95887525
0.96407740 0.96318182 0.96229369 0.96141286 0.96053925 0.95967272 0.95881318 0.95796052
0.96329395 0.96237923 0.96147212 0.96057250 0.95968026 0.95879528 0.95791745 0.95704666
0.96251114 0.96157730 0.96065125 0.95973287 0.95882204 0.95791864 0.95702255 0.95613368
0.96172896 0.96077604 0.95983109 0.95889398 0.95796459 0.95704280 0.95612850 0.95522156
0.96094742 0.95997545 0.95901162 0.95805582 0.95710790 0.95616776 0.95523527 0.95431032
0.96016651 0.95917552 0.95819286 0.95721839 0.95625198 0.95529352 0.95434288 0.95339995
0.95938624 0.95837626 0.95737479 0.95638169 0.95539683 0.95442008 0.95345133 0.95249044
0.95860661 0.95757767 0.95655742 0.95554572 0.95454244 0.95354744 0.95256061 0.95158180
0.95782760 0.95677975 0.95574075 0.95471049 0.95368882 0.95267560 0.95167072 0.95067403
0.95704923 0.95598248 0.95492478 0.95387598 0.95283596 0.95180456 0.95078166 0.94976713
0.95627150 0.95518589 0.95410950 0.95304221 0.95198386 0.95093431 0.94989343 0.94886108
0.95549439 0.95438995 0.95329492 0.95220916 0.95113252 0.95006486 0.94900603 0.94795591
0.95471792 0.95359468 0.95248104 0.95137684 0.95028195 0.94919620 0.94811946 0.94705160
0.95394208 0.95280007 0.95166785 0.95054525 0.94943213 0.94832833 0.94723372 0.94614815
0.95316686 0.95200613 0.95085536 0.94971439 0.94858308 0.94746126 0.94634881 0.94524556
0.95239228 0.95121284 0.95004355 0.94888425 0.94773478 0.94659499 0.94546472 0.94434383
0.94084880 0.93939259 0.93794937 0.93651890 0.93510100 0.93369547 0.93230209 0.93092069
0.92944522 0.92771923 0.92600914 0.92431470 0.92263564 0.92097173 0.91932272 0.91768836
0.91817987 0.91619092 0.91422091 0.91226953 0.91033645 0.90842139 0.90652403 0.90464411
0.90705106 0.90480587 0.90258275 0.90038132 0.89820121 0.89604207 0.89390354 0.89178527
0.89605713 0.89356230 0.89109275 0.88864804 0.88622775 0.88383145 0.88145874 0.87910922
0.88519646 0.88245844 0.87974901 0.87706766 0.87441389 0.87178722 0.86918719 0.86661334
0.87446742 0.87149257 0.86854968 0.86563819 0.86275752 0.85990713 0.85708649 0.85429508
0.86386843 0.86066297 0.85749293 0.85435766 0.85125653 0.84818893 0.84515425 0.84215192
0.85339790 0.84996793 0.84657692 0.84322413 0.83990886 0.83663042 0.83338814 0.83018137
0.84305427 0.83940581 0.83579988 0.83223569 0.82871246 0.82522942 0.82178583 0.81838096
0.83283602 0.82897493 0.82516003 0.82139044 0.81766531 0.81398378 0.81034504 0.80674829
0.82274162 0.81867367 0.81465563 0.81068653 0.80676542 0.80289139 0.79906353 0.79528097
0.81276957 0.80850042 0.80428495 0.80012210 0.79601084 0.79195016 0.78793908 0.78397665
0.80291838 0.79845358 0.79404629 0.78969534 0.78539962 0.78115803 0.77696950 0.77283301
0.79318660 0.78853160 0.78393797 0.77940446 0.77492985 0.77051296 0.76615264 0.76184777
0.78357277 0.77873291 0.77395833 0.76924768 0.76459965 0.76001296 0.75548638 0.75101868
0.77407546 0.76905598 0.76410573 0.75922326 0.75440716 0.74965605 0.74496860 0.74034351
0.76469327 0.75949930 0.75437855 0.74932947 0.74435053 0.73944027 0.73459725 0.72982009
0.75542479 0.75006138 0.74477521 0.73956461 0.73442797 0.72936371 0.72437030 0.71944625
0.74626866 0.74074074 0.73529412 0.72992701 0.72463768 0.71942446 0.71428571 0.70921986
0.72828797 0.72244549 0.71669248 0.71102693 0.70544689 0.69995045 0.69453579 0.68920110
0.71074051 0.70460211 0.69856144 0.69261624 0.68676433 0.68100359 0.67533194 0.66974740
0.69361584 0.68719943 0.68088907 0.67468226 0.66857655 0.66256959 0.65665908 0.65084281
0.67690377 0.67022657 0.66366379 0.65721264 0.65087045 0.64463458 0.63850253 0.63247182
0.66059437 0.65367292 0.64687427 0.64019537 0.63363325 0.62718505 0.62084799 0.61461939
0.64467793 0.63752812 0.63050950 0.62361873 0.61685256 0.61020786 0.60368161 0.59727087
0.62914498 0.62178208 0.61455873 0.60747131 0.60051627 0.59369023 0.58698988 0.58041203
0.61398628 0.60642494 0.59901149 0.59174199 0.58461262 0.57761970 0.57075966 0.56402906
0.59919282 0.59144710 0.58385756 0.57641996 0.56913016 0.56198419 0.55497822 0.54810852
0.58475580 0.57683919 0.56908700 0.56149466 0.55405772 0.54677192 0.53963313 0.53263736
0.57066662 0.56259208 0.55469011 0.54695582 0.53938444 0.53197142 0.52471232 0.51760290
0.55691691 0.54869684 0.54065744 0.53279344 0.52509977 0.51757155 0.51020408 0.50299281
42% 43% 44% 45% 46% 47% 48%
0.99902643 0.99900695 0.99898762 0.99896841 0.99894934 0.99893040 0.99891159
0.99805380 0.99801489 0.99797626 0.99793789 0.99789978 0.99786194 0.99782436
0.99708212 0.99702382 0.99696592 0.99690843 0.99685133 0.99679463 0.99673831
0.99611139 0.99603373 0.99595661 0.99588003 0.99580398 0.99572846 0.99565345
0.99514161 0.99504462 0.99494832 0.99485269 0.99475773 0.99466342 0.99456977
0.99417276 0.99405649 0.99394104 0.99382641 0.99371258 0.99359953 0.99348727
0.99320486 0.99306935 0.99293479 0.99280119 0.99266852 0.99253678 0.99240594
0.99223791 0.99208318 0.99192956 0.99177703 0.99162556 0.99147516 0.99132579
0.99127189 0.99109800 0.99092535 0.99075392 0.99058370 0.99041467 0.99024682
0.99030682 0.99011379 0.98992215 0.98973187 0.98954294 0.98935533 0.98916902
0.98934268 0.98913056 0.98891997 0.98871087 0.98850326 0.98829711 0.98809240
0.98837948 0.98814831 0.98791880 0.98769093 0.98746468 0.98724003 0.98701695
0.98741722 0.98716703 0.98691865 0.98667204 0.98642719 0.98618407 0.98594266
0.98645590 0.98618673 0.98591951 0.98565420 0.98539079 0.98512925 0.98486955
0.98549552 0.98520740 0.98492138 0.98463741 0.98435548 0.98407556 0.98379761
0.98453606 0.98422904 0.98392426 0.98362167 0.98332126 0.98302299 0.98272683
0.98357755 0.98325166 0.98292815 0.98260698 0.98228812 0.98197155 0.98165722
0.98261996 0.98227524 0.98193304 0.98159333 0.98125607 0.98092123 0.98058877
0.98166331 0.98129980 0.98093895 0.98058073 0.98022511 0.97987203 0.97952148
0.98070759 0.98032532 0.97994586 0.97956918 0.97919522 0.97882396 0.97845536
0.97975280 0.97935181 0.97895378 0.97855866 0.97816642 0.97777701 0.97739039
0.97879894 0.97837927 0.97796270 0.97754919 0.97713870 0.97673118 0.97632659
0.97784601 0.97740769 0.97697263 0.97654077 0.97611206 0.97568647 0.97526394
0.97689400 0.97643708 0.97598356 0.97553338 0.97508650 0.97464287 0.97420245
0.97594293 0.97546743 0.97499549 0.97452703 0.97406201 0.97360039 0.97314212
0.97499277 0.97449875 0.97400841 0.97352172 0.97303861 0.97255903 0.97208294
0.97404355 0.97353103 0.97302234 0.97251744 0.97201627 0.97151878 0.97102491
0.97309525 0.97256426 0.97203727 0.97151421 0.97099501 0.97047964 0.96996803
0.97214787 0.97159846 0.97105319 0.97051200 0.96997483 0.96944162 0.96891231
0.97120141 0.97063362 0.97007012 0.96951083 0.96895572 0.96840470 0.96785773
0.97025588 0.96966974 0.96908803 0.96851070 0.96793767 0.96736889 0.96680430
0.96931126 0.96870681 0.96810694 0.96751159 0.96692070 0.96633420 0.96575202
0.96836757 0.96774484 0.96712684 0.96651352 0.96590479 0.96530060 0.96470088
0.96742479 0.96678382 0.96614774 0.96551647 0.96488996 0.96426812 0.96365089
0.96648293 0.96582376 0.96516963 0.96452046 0.96387619 0.96323673 0.96260204
0.96554199 0.96486465 0.96419250 0.96352547 0.96286348 0.96220646 0.96155433
0.96460197 0.96390650 0.96321637 0.96253151 0.96185184 0.96117728 0.96050776
0.96366286 0.96294929 0.96224122 0.96153857 0.96084126 0.96014920 0.95946233
0.96272466 0.96199304 0.96126707 0.96054666 0.95983174 0.95912223 0.95841804
0.96178738 0.96103773 0.96029389 0.95955577 0.95882328 0.95809635 0.95737489
0.96085101 0.96008338 0.95932171 0.95856590 0.95781589 0.95707157 0.95633287
0.95991555 0.95912997 0.95835050 0.95757706 0.95680955 0.95604788 0.95529198
0.95898100 0.95817751 0.95738029 0.95658923 0.95580427 0.95502529 0.95425223
0.95804736 0.95722600 0.95641105 0.95560243 0.95480004 0.95400380 0.95321361
0.95711463 0.95627543 0.95544279 0.95461664 0.95379687 0.95298339 0.95217612
0.95618281 0.95532580 0.95447552 0.95363187 0.95279475 0.95196408 0.95113976
0.95525190 0.95437712 0.95350922 0.95264811 0.95179369 0.95094586 0.95010453
0.95432189 0.95342938 0.95254390 0.95166537 0.95079368 0.94992873 0.94907042
0.95339279 0.95248258 0.95157956 0.95068364 0.94979472 0.94891268 0.94803744
0.95246459 0.95153672 0.95061620 0.94970293 0.94879681 0.94789773 0.94700558
0.95153730 0.95059179 0.94965381 0.94872323 0.94779994 0.94688385 0.94597485
0.95061091 0.94964781 0.94869239 0.94774453 0.94680413 0.94587107 0.94494524
0.94968542 0.94870477 0.94773195 0.94676685 0.94580936 0.94485936 0.94391675
0.94876083 0.94776266 0.94677248 0.94579018 0.94481564 0.94384874 0.94288938
0.94783715 0.94682149 0.94581398 0.94481451 0.94382296 0.94283920 0.94186312
0.94691436 0.94588125 0.94485646 0.94383985 0.94283132 0.94183074 0.94083799
0.94599247 0.94494195 0.94389990 0.94286620 0.94184072 0.94082335 0.93981397
0.94507148 0.94400357 0.94294431 0.94189355 0.94085117 0.93981705 0.93879106
0.94415138 0.94306613 0.94198968 0.94092190 0.93986265 0.93881182 0.93776927
0.94323218 0.94212963 0.94103603 0.93995126 0.93887518 0.93780766 0.93674859
0.92955108 0.92819308 0.92684650 0.92551117 0.92418693 0.92287360 0.92157102
0.91606842 0.91446269 0.91287093 0.91129293 0.90972847 0.90817735 0.90663936
0.90278132 0.90093541 0.89910609 0.89729311 0.89549621 0.89371513 0.89194964
0.88968695 0.88760823 0.88554881 0.88350837 0.88148660 0.87948321 0.87749792
0.87678250 0.87447820 0.87219595 0.86993539 0.86769617 0.86547793 0.86328035
0.86406522 0.86154239 0.85904443 0.85657093 0.85412148 0.85169568 0.84929314
0.85153240 0.84879794 0.84609123 0.84341179 0.84075916 0.83813290 0.83553256
0.83918136 0.83624201 0.83333333 0.83045480 0.82760589 0.82478610 0.82199494
0.82700947 0.82387182 0.82076781 0.81769686 0.81465839 0.81165184 0.80867665
0.81501412 0.81168461 0.80839176 0.80513492 0.80191346 0.79872674 0.79557415
0.80319276 0.79967768 0.79620233 0.79276597 0.78936791 0.78600746 0.78268395
0.79154286 0.78784837 0.78419669 0.78058703 0.77701863 0.77349072 0.77000260
0.78006194 0.77619405 0.77237208 0.76859520 0.76486254 0.76117332 0.75752671
0.76874754 0.76471212 0.76072577 0.75678758 0.75289664 0.74905205 0.74525297
0.75759726 0.75340004 0.74925508 0.74516137 0.74111793 0.73712382 0.73317809
0.74660870 0.74225529 0.73795734 0.73371376 0.72952350 0.72538553 0.72129885
0.73577953 0.73127541 0.72682996 0.72244202 0.71811046 0.71383417 0.70961208
0.72510742 0.72045794 0.71587036 0.71134344 0.70687597 0.70246676 0.69811466
0.71459011 0.70980049 0.70507602 0.70041536 0.69581723 0.69128036 0.68680354
0.70422535 0.69930070 0.69444444 0.68965517 0.68493151 0.68027211 0.67567568
0.68394466 0.67876477 0.67365980 0.66862816 0.66366830 0.65877871 0.65395793
0.66424801 0.65883191 0.65349724 0.64824225 0.64306519 0.63796440 0.63293824
0.64511861 0.63948440 0.63393815 0.62847788 0.62310169 0.61780772 0.61259416
0.62654010 0.62070506 0.61496445 0.60931611 0.60375795 0.59828790 0.59290400
0.60849663 0.60247720 0.59655863 0.59073857 0.58501471 0.57938482 0.57384672
0.59097279 0.58478462 0.57870370 0.57272745 0.56685335 0.56107898 0.55540198
0.57395361 0.56761162 0.56138317 0.55526546 0.54925579 0.54335152 0.53755010
0.55742455 0.55094292 0.54458104 0.53833588 0.53220454 0.52618417 0.52027202
0.54137151 0.53476372 0.52828179 0.52192247 0.51568263 0.50955922 0.50354930
0.52578077 0.51905964 0.51247037 0.50600949 0.49967363 0.49345954 0.48736408
0.51063903 0.50381674 0.49713220 0.49058168 0.48416162 0.47786854 0.47169910
0.49593335 0.48902147 0.48225309 0.47562426 0.46913117 0.46277014 0.45653762
49% 50%
0.99889290 0.99887434
0.99778703 0.99774995
0.99668238 0.99662683
0.99557896 0.99550497
0.99447675 0.99438437
0.99337577 0.99326503
0.99227600 0.99214695
0.99117746 0.99103014
0.99008013 0.98991457
0.98898401 0.98880027
0.98788911 0.98768722
0.98679542 0.98657542
0.98570294 0.98546487
0.98461167 0.98435558
0.98352161 0.98324753
0.98243275 0.98214073
0.98134510 0.98103518
0.98025866 0.97993087
0.97917341 0.97882780
0.97808937 0.97772597
0.97700653 0.97662539
0.97592489 0.97552604
0.97484445 0.97442793
0.97376520 0.97333106
0.97268714 0.97223542
0.97161028 0.97114102
0.97053462 0.97004785
0.96946014 0.96895590
0.96838685 0.96786519
0.96731475 0.96677571
0.96624384 0.96568745
0.96517411 0.96460041
0.96410557 0.96351460
0.96303821 0.96243002
0.96197203 0.96134665
0.96090704 0.96026450
0.95984322 0.95918357
0.95878058 0.95810386
0.95771911 0.95702536
0.95665882 0.95594808
0.95559971 0.95487201
0.95454177 0.95379715
0.95348499 0.95272350
0.95242939 0.95165106
0.95137496 0.95057982
0.95032169 0.94950980
0.94926959 0.94844097
0.94821866 0.94737335
0.94716889 0.94630694
0.94612028 0.94524172
0.94507283 0.94417770
0.94402654 0.94311488
0.94298141 0.94205325
0.94193744 0.94099282
0.94089462 0.93993359
0.93985296 0.93887554
0.93881245 0.93781869
0.93777309 0.93676303
0.93673489 0.93570855
0.93569783 0.93465527
0.92027903 0.91899748
0.90511431 0.90360200
0.89019948 0.88846444
0.87553043 0.87358046
0.86110309 0.85894583
0.84691350 0.84455637
0.83295773 0.83040797
0.81923192 0.81649658
0.80573230 0.80281825
0.79245512 0.78936906
0.77939674 0.77614518
0.76655353 0.76314283
0.75392196 0.75035830
0.74149854 0.73778795
0.72927983 0.72542818
0.71726247 0.71327546
0.70544314 0.70132634
0.69381857 0.68957739
0.68238556 0.67802526
0.67114094 0.66666667
0.64920453 0.64451714
0.62798512 0.62310351
0.60745927 0.60240134
0.58760431 0.58238698
0.56839832 0.56303758
0.54982008 0.54433105
0.53184908 0.52624604
0.51446546 0.50876189
0.49765003 0.49185863
0.48138421 0.47551698
0.46565005 0.45971826
0.45043016 0.44444444
TABLA D-7 FACTOR DE INTERES DEL VALOR FUTURO PARA UNA CUOTA MENSUAL ORDINARIA:
n = NRO DE CUOTAS (1 = 30d)i = TIEA (TASA DE INTERES EFECTIVA ANUAL)
CUOTA (1=30d) 1% 2% 3% 4% 5% 6%
0.0830% 0.1652% 0.2466% 0.3274% 0.4074% 0.4868%1 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
2 2.00082954 2.00165158 2.00246627 2.00327374 2.00407412 2.00486755
3 3.00248931 3.00495747 3.00740489 3.00983194 3.01223896 3.01462634
4 4.00497999 4.00992040 4.01482196 4.01968534 4.02451118 4.02930019
5 5.00830228 5.01654310 5.02472360 5.03284475 5.04090752 5.04891301
6 6.01245687 6.02482832 6.03711592 6.04932097 6.06144479 6.07348884
7 7.01744444 7.03477881 7.05200508 7.06912488 7.08613984 7.10305185
8 8.02326570 8.04639731 8.06939723 8.09226736 8.11500962 8.13762631
9 9.02992132 9.05968658 9.08929854 9.11875933 9.14807115 9.17723662
10 10.03741200 10.07464937 10.11171521 10.14861178 10.18534149 10.22190728
11 11.04573843 11.09128846 11.13665343 11.18183570 11.22683779 11.27166292
12 12.05490131 12.10960661 12.16411942 12.21844212 12.27257727 12.32652830
13 13.06490134 13.12960660 13.19411943 13.25844212 13.32257723 13.38652830
14 14.07573919 14.15129119 14.22665969 14.30184682 14.37685500 14.45168789
15 15.08741558 15.17466318 15.26174647 15.34866734 15.43542804 15.52203221
16 16.09993120 16.19972535 16.29938606 16.39891489 16.49831382 16.59758647
17 17.11328673 17.22648050 17.33958474 17.45260067 17.56552993 17.67837606
18 18.12748289 18.25493141 18.38234884 18.50973595 18.63709401 18.76442643
19 19.14252036 19.28508089 19.42768468 19.57033201 19.71302377 19.85576322
20 20.15839985 20.31693174 20.47559859 20.63440019 20.79333699 20.95241214
21 21.17512205 21.35048678 21.52609695 21.70195185 21.87805154 22.05439905
22 22.19268766 22.38574881 22.57918611 22.77299840 22.96718535 23.16174994
23 23.21109738 23.42272067 23.63487248 23.84755128 24.06075642 24.27449092
24 24.23035191 24.46140517 24.69316246 24.92562196 25.15878283 25.39264822
25 25.25045196 25.50180513 25.75406247 26.00722197 26.26128273 26.51624820
26 26.27139822 26.54392341 26.81757894 27.09236285 27.36827434 27.64531737
27 27.29319140 27.58776282 27.88371833 28.18105620 28.47977598 28.77988233
28 28.31583219 28.63332622 28.95248711 29.27331365 29.59580600 29.91996985
29 29.33932131 29.68061644 30.02389176 30.36914687 30.71638287 31.06560680
30 30.36365945 30.72963636 31.09793878 31.46856756 31.84152510 32.21682019
31 31.38884732 31.78038881 32.17463469 32.57158747 32.97125129 33.37363717
32 32.41488562 32.83287666 33.25398603 33.67821838 34.10558013 34.53608502
33 33.44177506 33.88710279 34.33599934 34.78847211 35.24453035 35.70419114
34 34.46951635 34.94307005 35.42068118 35.90236052 36.38812080 36.87798308
35 35.49811020 36.00078132 36.50803815 37.01989551 37.53637037 38.05748850
36 36.52755730 37.06023949 37.59807683 38.14108903 38.68929805 39.24273523
37 37.55785837 38.12144744 38.69080384 39.26595304 39.84692289 40.43375121
38 38.58901412 39.18440806 39.78622580 40.39449956 41.00926404 41.63056451
39 39.62102525 40.24912425 40.88434938 41.52674065 42.17634070 42.83320337
40 40.65389247 41.31559890 41.98518122 42.66268840 43.34817217 44.04169613
41 41.68761650 42.38383492 43.08872802 43.80235495 44.52477783 45.25607128
42 42.72219805 43.45383521 44.19499645 44.94575247 45.70617711 46.47635747
im -->>
43 43.75763782 44.52560269 45.30399325 46.09289318 46.89238956 47.70258347
44 44.79393653 45.59914029 46.41572513 47.24378932 48.08343479 48.93477818
45 45.83109489 46.67445092 47.53019884 48.39845321 49.27933247 50.17297066
46 46.86911362 47.75153751 48.64742114 49.55689716 50.48010238 51.41719010
47 47.90799342 48.83040299 49.76739882 50.71913356 51.68576438 52.66746584
48 48.94773502 49.91105031 50.89013866 51.88517481 52.89633839 53.92382737
49 49.98833912 50.99348240 52.01564748 53.05503338 54.11184442 55.18630429
50 51.02980645 52.07770222 53.14393211 54.22872177 55.33230256 56.45492639
51 52.07213772 53.16371271 54.27499940 55.40625251 56.55773300 57.72972357
52 53.11533364 54.25151683 55.40885620 56.58763817 57.78815599 59.01072588
53 54.15939493 55.34111755 56.54550940 57.77289138 59.02359188 60.29796354
54 55.20432232 56.43251784 57.68496589 58.96202481 60.26406107 61.59146689
55 56.25011651 57.52572065 58.82723259 60.15505115 61.50958409 62.89126644
56 57.29677823 58.62072898 59.97231643 61.35198315 62.76018152 64.19739282
57 58.34430820 59.71754581 61.12022436 62.55283359 64.01587403 65.50987684
58 59.39270714 60.81617411 62.27096333 63.75761530 65.27668238 66.82874944
59 60.44197576 61.91661689 63.42454034 64.96634116 66.54262742 68.15404172
60 61.49211480 63.01887713 64.58096238 66.17902407 67.81373007 69.48578493
72 74.16193867 76.38886029 78.68251086 81.04462733 83.47699062 85.98145983
84 86.95846106 90.02624289 93.20710583 96.50485476 99.92341346 103.46687511
96 99.88294897 103.93637293 108.16743869 112.58349134 117.19215666 122.00141518
108 112.93668205 118.12470535 123.57658157 129.30527342 135.32433621 141.64802752
120 126.12095276 132.59680419 139.44799879 146.69592682 154.36312386 162.47343646
FACTOR DE INTERES DEL VALOR FUTURO PARA UNA CUOTA MENSUAL ORDINARIA:FVIFm=
redondeo = 87% 8% 9% 10% 11% 12% 13% 14%
0.5654% 0.6434% 0.7207% 0.7974% 0.8735% 0.9489% 1.0237% 1.0979%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
2.00565415 2.00643403 2.00720732 2.00797414 2.00873459 2.00948879 2.01023684 2.01097885
3.01699442 3.01934349 3.02167391 3.02398601 3.02628006 3.02855641 3.03081531 3.03305709
4.03405296 4.03877003 4.04345208 4.04809969 4.05271338 4.05729374 4.06184128 4.06635656
5.05686210 5.06475560 5.07259453 5.08037981 5.08811217 5.09579255 5.10342170 5.11100048
6.08545436 6.09734239 6.10915434 6.12089147 6.13255474 6.14414546 6.15566462 6.16711339
7.11986243 7.13657287 7.15318497 7.16970031 7.18612009 7.20244596 7.21867917 7.23482120
8.16011920 8.18248980 8.20474026 8.22687251 8.24888791 8.27078846 8.29257563 8.31425122
9.20625774 9.23513618 9.26387445 9.29247474 9.32093856 9.34926823 9.37746540 9.40553214
10.25831130 10.29455533 10.33064216 10.36657424 10.40235314 10.43798148 10.47346102 10.50879406
11.31631333 11.36079080 11.40509840 11.44923875 11.49321343 11.53702529 11.58067616 11.62416854
12.38029746 12.43388647 12.48729860 12.54053658 12.59360193 12.64649770 12.69922569 12.75178854
13.45029752 13.51388647 13.57729856 13.64053658 13.70360188 13.76649766 13.82922563 13.89178851
14.52634752 14.60083522 14.67515449 14.74930813 14.82329723 14.89712507 14.97079320 15.04430438
15.60848167 15.69477743 15.78092303 15.86692117 15.95277265 16.03848076 16.12404682 16.20947354
16.69673436 16.79575810 16.89466119 16.99344622 17.09211358 17.19066654 17.28910610 17.38743492
17.79114021 17.90382251 18.01642642 18.12895434 18.24140618 18.35378516 18.46609192 18.57832896
18.89173398 19.01901625 19.14627657 19.27351716 19.40073739 19.52794037 19.65512634 19.78229764
19.99855068 20.14138517 20.28426991 20.42720689 20.57019487 20.71323690 20.85633273 20.99948452
21.11162548 21.27097544 21.43046513 21.59009629 21.74986709 21.90978045 22.06983567 22.23003471
22.23099378 22.40783354 22.58492135 22.76225875 22.93984326 23.11767776 23.29576105 23.47409493
23.35669115 23.55200621 23.74769811 23.94376818 24.14021339 24.33703655 24.53423602 24.73181349
24.48875339 24.70354053 24.91885537 25.13469914 25.35106826 25.56796558 25.78538907 26.00334037
25.62721647 25.86248385 26.09845353 26.33512675 26.57249944 26.81057463 27.04934997 27.28882714
26.77211660 27.02888384 27.28655344 27.54512674 27.80459933 28.06497455 28.32624984 28.58842708
27.92349016 28.20278849 28.48321636 28.76477544 29.04746111 29.33127720 29.61622113 29.90229513
29.08137377 29.38424608 29.68850402 29.99414978 30.30117877 30.60959553 30.91939765 31.23058794
30.24580422 30.57330520 30.90247857 31.23332733 31.56584714 31.90004355 32.23591457 32.57346388
31.41681853 31.77001476 32.12520262 32.48238626 32.84156188 33.20273636 33.56590847 33.93108306
32.59445393 32.97442399 33.35673923 33.74140535 34.12841945 34.51779016 34.90951731 35.30360733
33.77874787 34.18658242 34.59715193 35.01046404 35.42651721 35.84532222 36.26688045 36.69120034
34.96973797 35.40653992 35.84650467 36.28964239 36.73595331 37.18545095 37.63813870 38.09402752
36.16746212 36.63434666 37.10486190 37.57902107 38.05682680 38.53829589 39.02343431 39.51225614
37.37195837 37.87005315 38.37228851 38.87868145 39.38923758 39.90397769 40.42291096 40.94605527
38.58326503 39.11371021 39.64884988 40.18870550 40.73328642 41.28261815 41.83671383 42.39559587
39.80142060 40.36536899 40.93461183 41.50917586 42.08907497 42.67434024 43.26498958 43.86105076
41.02646380 41.62508099 42.22964067 42.84017584 43.45670579 44.07926810 44.70788635 45.34259466
42.25843358 42.89289800 43.53400321 44.18178940 44.83628230 45.49752702 46.16555383 46.84040420
43.49736910 44.16887220 44.84776670 45.53410118 46.22790884 46.92924350 47.63814322 48.35465797
44.74330975 45.45305605 46.17099890 46.89719647 47.63169067 48.37454523 49.12580727 49.88553651
45.99629514 46.74550237 47.50376807 48.27116128 49.04773396 49.83356113 50.62870030 51.43322233
47.25636509 48.04626434 48.84614293 49.65608228 50.47614580 51.30642133 52.14697820 52.99789996
TIEm = im
48.52355967 49.35539544 50.19819271 51.05204683 51.91703424 52.79325719 53.68079848 54.57975596
49.79791915 50.67294954 51.55998715 52.45914300 53.37050825 54.29420132 55.23032022 56.17897891
51.07948406 51.99898082 52.93159647 53.87745955 54.83667776 55.80938759 56.79570417 57.79575949
52.36829512 53.33354382 54.31309143 55.30708596 56.31565366 57.33895115 58.37711271 59.43029047
53.66439332 54.67669344 55.70454326 56.74811240 57.80754780 58.88302842 59.97470987 61.08276671
54.96781985 56.02848493 57.10602373 58.20062980 59.31247303 60.44175711 61.58866138 62.75338525
56.27861614 57.38897388 58.51760511 59.66472977 60.83054316 62.01527625 63.21913465 64.44234525
57.59682388 58.75821626 59.93936022 61.14050468 62.36187302 63.60372618 64.86629882 66.14984809
58.92248496 60.13626838 61.37136237 62.62804762 63.90657841 65.20724858 66.53032474 67.87609735
60.25564153 61.52318694 62.81368542 64.12745244 65.46477617 66.82598647 68.21138503 69.62129884
61.59633597 62.91902897 64.26640375 65.63881372 67.03658415 68.46008422 69.90965407 71.38566064
62.94461089 64.32385189 65.72959228 67.16222681 68.62212123 70.10968759 71.62530801 73.16939310
64.30050916 65.73771348 67.20332649 68.69778781 70.22150732 71.77494369 73.35852483 74.97270889
65.66407389 67.16067190 68.68768237 70.24559359 71.83486340 73.45600106 75.10948431 76.79582302
67.03534841 68.59278568 70.18273647 71.80574179 73.46231148 75.15300963 76.87836808 78.63895284
68.41437633 70.03411372 71.68856592 73.37833083 75.10397465 76.86612075 78.66535964 80.50231811
69.80120147 71.48471531 73.20524835 74.96345991 76.75997707 78.59548723 80.47064434 82.38614098
71.19586793 72.94465011 74.73286200 76.56122903 78.43044400 80.34126330 82.29440945 84.29064607
88.55988034 91.21410849 93.94611496 96.75788809 99.65139082 102.62870946 105.69190355 108.84312283
107.13937465 110.94512351 114.88855986 118.97421294 123.20664071 127.59064829 132.13107052 136.83294569
127.01943464 132.25461971 137.71582390 143.41217014 149.35296690 155.54801880 162.00732764 168.74134302
148.29110001 155.26887557 162.59754072 170.29392294 178.37538765 186.86027268 195.76749645 205.11691513
171.05178321 180.12427187 189.71861098 199.86385086 210.59027322 221.92999581 233.91648523 246.58506638
15% 16% 17% 18% 19% 20% 21%
1.1715% 1.2445% 1.3170% 1.3888% 1.4602% 1.5309% 1.6012%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
2.01171492 2.01244514 2.01316961 2.01388843 2.01460169 2.01530947 2.01601187
3.03528200 3.03749030 3.03968227 3.04185818 3.04401828 3.04616279 3.04829199
4.07084009 4.07529229 4.07971370 4.08410481 4.08846609 4.09279793 4.09710085
5.11852965 5.12600988 5.13344194 5.14082662 5.14816461 5.15545649 5.16270309
6.17849282 6.18980379 6.20104737 6.21222463 6.22333651 6.23438380 6.24536762
7.25087337 7.26683676 7.28271274 7.29850267 7.31420774 7.32982891 7.34536764
8.33581677 8.35727356 8.37862323 8.39986742 8.42100753 8.44204471 8.46298071
9.43347019 9.46128100 9.48896643 9.51652839 9.54396847 9.57128794 9.59848885
10.54398254 10.57902797 10.61393241 10.64869803 10.68332654 10.71781928 10.75217861
11.66750445 11.71068545 11.75371377 11.79659172 11.83932117 11.88190342 11.92434110
12.80418834 12.85642657 12.90850559 12.96042786 13.01219526 13.06380906 13.11527210
13.95418838 14.01642660 14.07850558 14.14042786 14.20219530 14.26380905 14.32527213
15.11766058 15.19086299 15.26391400 15.33681620 15.40957136 15.48218041 15.55464652
16.29476276 16.37991541 16.46493380 16.54982050 16.63457714 16.71920439 16.80370550
17.48565460 17.58376575 17.68177055 17.77967152 17.87747008 17.97516655 18.07276425
18.69049765 18.80259818 18.91463258 19.02660324 19.13851136 19.25035682 19.36214300
19.90945533 20.03659914 20.16373091 20.29085289 20.41796597 20.54506958 20.67216712
21.14269301 21.28595742 21.42927938 21.57266098 21.71610278 21.85960371 22.00316717
22.39037797 22.55086414 22.71149464 22.87227137 23.03319458 23.19426265 23.35547902
23.65267945 23.83151281 24.01059616 24.18993131 24.36951814 24.54935452 24.72944392
24.92976870 25.12809932 25.32680635 25.52589148 25.72535429 25.92519213 26.12540856
26.22181895 26.44082203 26.66035051 26.88040604 27.10098794 27.32209308 27.54372520
27.52900546 27.76988177 28.01145693 28.25373268 28.49670817 28.74037984 28.98475175
28.85150556 29.11548183 29.38035689 29.64613267 29.91280827 30.18037983 30.44885183
30.18949864 30.47782808 30.76728474 31.05787090 31.34958582 31.64242545 31.93639488
31.54316620 31.85712892 32.17247788 32.48921597 32.80734275 33.12685421 33.44775629
32.91269186 33.25359535 33.59617686 33.94044017 34.28638540 34.63400879 34.98331741
34.29826142 34.66744100 35.03862541 35.41181960 35.78702457 36.16423711 36.54346574
35.70006281 36.09888215 36.50007044 36.90363418 37.30957561 37.71789241 38.12859497
37.11828619 37.54813779 37.98076213 38.41616772 38.85435847 39.29533335 39.73910507
38.55312394 39.01542963 39.48095396 39.94970797 40.42169777 40.89692408 41.37540246
40.00477070 40.50098211 41.00090273 41.50454670 42.01192287 42.52303431 43.03790002
41.47342339 42.00502250 42.54086862 43.08097969 43.62536794 44.17403943 44.72701728
42.95928123 43.52778089 44.10111527 44.67930686 45.26237204 45.85032056 46.44318047
44.46254577 45.06949022 45.68190976 46.29983228 46.92327916 47.55226467 48.18682264
45.98342094 46.63038633 47.28352270 47.94286426 48.60843834 49.28026464 49.95838378
47.52211303 48.21070802 48.90622825 49.60871538 50.31820369 51.03471937 51.75831092
49.07883079 49.81069703 50.55030420 51.29770255 52.05293450 52.81603388 53.58705827
50.65378536 51.43059813 52.21603199 53.01014710 53.81299531 54.62461936 55.44508728
52.24719041 53.07065912 53.90369677 54.74637482 55.59875599 56.46089333 57.33286681
53.85926206 54.73113090 55.61358744 56.50671601 57.41059179 58.32527969 59.25087322
(1+i)^(30/360) -1)
(1/im)*((1+im)^n -1)
55.49021901 56.41226749 57.34599669 58.29150558 59.24888345 60.21820881 61.19959050
57.14028248 58.11432606 59.10122110 60.10108308 61.11401728 62.14011767 63.17951039
58.80967632 59.83756698 60.87956114 61.93579276 63.00638521 64.09144993 65.19113249
60.49862698 61.58225388 62.68132121 63.79598368 64.92638492 66.07265606 67.23496443
62.20736355 63.34865365 64.50680977 65.68200974 66.87441987 68.08419341 69.31152194
63.93611784 65.13703651 66.35633930 67.59422973 68.85089941 70.12652633 71.42132902
65.68512434 66.94767605 68.23022641 69.53300746 70.85623890 72.20012628 73.56491806
67.45462032 68.78084925 70.12879188 71.49871177 72.89085974 74.30547195 75.74282996
69.24484580 70.63683655 72.05236072 73.49171662 74.95518948 76.44304934 77.95561431
71.05604363 72.51592187 74.00126221 75.51240118 77.04966192 78.61335191 80.20382947
72.88845950 74.41839267 75.97582997 77.56114988 79.17471719 80.81688066 82.48804276
74.74234197 76.34453999 77.97640202 79.63835248 81.33080187 83.05414427 84.80883058
76.61794253 78.29465847 80.00332082 81.74440416 83.51836903 85.32565920 87.16677855
78.51551559 80.26904646 82.05693336 83.87970560 85.73787836 87.63194982 89.56248167
80.43531858 82.26800598 84.13759117 86.04466302 87.98979628 89.97354853 91.99654449
82.37761190 84.29184283 86.24565043 88.23968830 90.27459601 92.35099587 94.46958120
84.34265903 86.34086662 88.38147201 90.46519903 92.59275768 94.76484067 96.98221585
86.33072654 88.41539079 90.54542153 92.72161862 94.94476842 97.21564016 99.53508248
112.08452748 115.41828242 118.84664736 122.37193738 125.99647362 129.72257656 133.55272507
141.70139965 146.74163748 151.95908114 157.35931337 162.94800409 168.73090002 174.71407368
175.76080388 183.07673025 190.70062814 198.64441688 206.92032689 215.54088788 224.51930681
214.92912018 225.22543890 236.02823752 247.36083881 259.24739284 271.71287299 284.78364048
259.97268558 274.11794213 289.06153979 304.84621645 321.51660349 339.11925473 357.70348614
22% 23% 24% 25% 26% 27% 28%
1.6709% 1.7401% 1.8088% 1.8769% 1.9446% 2.0118% 2.0785%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
2.01670896 2.01740084 2.01808758 2.01876927 2.01944597 2.02011776 2.02078473
3.05040607 3.05250531 3.05458990 3.05666010 3.05871606 3.06075800 3.06278620
4.10137518 4.10562147 4.10984004 4.11403137 4.11819576 4.12233360 4.12644538
5.16990490 5.17706273 5.18417710 5.19124874 5.19827807 5.20526572 5.21221243
6.25628863 6.26714797 6.27794632 6.28868469 6.29936363 6.30998400 6.32054686
7.36082471 7.37620161 7.39149917 7.40671871 7.42186086 7.43692675 7.45191772
8.48381643 8.50455371 8.52519351 8.54573741 8.56618615 8.58654105 8.60680382
9.62557218 9.65254009 9.67939363 9.70613467 9.73276395 9.75928303 9.78569391
10.78640548 10.82050240 10.85447043 10.88831173 10.92202698 10.95561794 10.98908692
11.96663510 12.00878823 12.05080154 12.09267739 12.13441639 12.17602043 12.21749212
13.16658513 13.21775123 13.26877137 13.31964812 13.37038189 13.42097469 13.47142940
14.38658507 14.44775120 14.50877134 14.56964819 14.63038193 14.69097464 14.75142942
15.62696995 15.69915421 15.77119990 15.84310985 15.91488390 15.98652414 16.05803390
16.88808036 16.97233268 17.05646274 17.14047346 17.22436426 17.30813720 17.39179580
18.17026262 18.26766553 18.36497287 18.46218763 18.55930873 18.65633815 18.75327958
19.47386881 19.58553825 19.69715079 19.80870942 19.92021249 20.03166188 20.14306143
20.79925691 20.92634307 21.05342458 21.18050443 21.30758034 21.43465405 21.56172952
22.14679086 22.29047902 22.43423008 22.57804704 22.72192691 22.86587127 23.00988425
23.51684070 23.67835207 23.84001101 24.00182050 24.16377682 24.32588138 24.48813848
24.90978265 25.09037529 25.27121912 25.45231715 25.63366490 25.81526362 25.99711783
26.32599921 26.52696890 26.72831432 26.93003856 27.13213638 27.33460890 27.53746090
27.76587928 27.98856044 28.21176484 28.43549573 28.65974709 28.88452000 29.10981959
29.22981825 29.47558490 29.72204739 29.96920922 30.21706367 30.46561185 30.71485933
30.71821811 30.98848484 31.25964730 31.53170940 31.80466378 32.07851171 32.35325939
32.23148759 32.52771050 32.82505867 33.12353657 33.42313632 33.72385951 34.02571315
33.77004223 34.09371999 34.41878455 34.74524117 35.07308163 35.40230802 35.73292841
35.33430451 35.68697936 36.04133707 36.39738398 36.75511172 37.11452316 37.47562768
36.92470399 37.30796277 37.69323764 38.08053631 38.46985052 38.86118423 39.25454848
38.54167739 38.95715266 39.37501709 39.79528018 40.21793408 40.64298421 41.07044367
40.18566874 40.63503985 41.08721586 41.54220854 42.00001082 42.46063001 42.92408176
41.85712947 42.34212367 42.83038416 43.32192546 43.81674177 44.31484277 44.81624721
43.55651857 44.07891219 44.60508216 45.13504638 45.66880081 46.20635815 46.74774081
45.28430270 45.84592229 46.41188015 46.98219825 47.55687494 48.13592657 48.71937998
47.04095630 47.64367985 48.25135875 48.86401982 49.48166451 50.10431359 50.73199913
48.82696176 49.47271990 50.12410906 50.78116180 51.44388347 52.11230014 52.78645004
50.64280951 51.33358678 52.03073289 52.73428713 53.44425969 54.16068289 54.88360215
52.48899819 53.22683431 53.97184294 54.72407121 55.48353516 56.25027451 57.02434300
54.36603476 55.15302594 55.94806296 56.75120208 57.56246632 58.38190403 59.20957858
56.27443466 57.11273492 57.96002803 58.81638071 59.68182431 60.55641717 61.44023368
58.21472194 59.10654448 60.00838467 60.92032124 61.84239527 62.77467663 63.71725235
60.18742940 61.13504800 62.09379113 63.06375120 64.04498064 65.03756251 66.04159823
62.19309875 63.19884919 64.21691755 65.24741177 66.29039741 67.34597259 68.41425502
64.23228075 65.29856226 66.37844618 67.47205806 68.57947849 69.70082270 70.83622684
66.30553536 67.43481209 68.57907163 69.73845934 70.91307297 72.10304712 73.30853869
68.41343190 69.60823447 70.81950108 72.04739931 73.29204646 74.55359892 75.83223687
70.55654919 71.81947622 73.10045447 74.39967640 75.71728140 77.05345033 78.40838944
72.73547575 74.06919543 75.42266479 76.79610401 78.18967738 79.60359315 81.03808665
74.95080991 76.35806165 77.78687827 79.23751082 80.71015150 82.20503913 83.72244140
77.20315999 78.68675606 80.19385466 81.72474106 83.27963868 84.85882038 86.46258974
79.49314450 81.05597172 82.64436742 84.25865479 85.89909204 87.56598976 89.25969132
81.82139228 83.46641371 85.13920402 86.84012823 88.56948321 90.32762133 92.11492990
84.18854265 85.91879942 87.67916619 89.47005404 91.29180272 93.14481074 95.02951385
86.59524564 88.41385870 90.26507012 92.14934165 94.06706038 96.01867568 98.00467664
89.04216213 90.95233411 92.89774680 94.87891752 96.89628561 98.95035636 101.04167738
91.52996406 93.53498113 95.57804222 97.65972554 99.78052787 101.94101588 104.14180136
94.05933457 96.16256837 98.30681771 100.49272730 102.72085703 104.99184077 107.30636059
96.63096823 98.83587783 101.08495014 103.37890243 105.71836373 108.10404142 110.53669432
99.24557121 101.55570513 103.91333226 106.31924896 108.77415986 111.27885258 113.83416967
101.90386149 104.32285970 106.79287297 109.31478365 111.88937891 114.51753383 117.20018215
137.48929046 141.53486598 145.69192998 149.96313553 154.35100436 158.85823668 163.48766521
180.90351182 187.30563275 193.92675926 200.77357831 207.85265433 215.17092698 222.73564458
233.86885946 243.60367469 253.73794582 264.28663542 275.26473571 286.68804071 298.57305952
298.48658062 312.85026484 327.90381498 343.67796138 360.20396129 377.51477142 395.64495237
377.32019684 398.02356894 419.86949004 442.91712453 467.22738935 492.86471468 519.89697742
29% 30% 31% 32% 33% 34% 35% 36%
2.1447% 2.2104% 2.2757% 2.3406% 2.4050% 2.4689% 2.5324% 2.5955%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
2.02144693 2.02210445 2.02275735 2.02340569 2.02404955 2.02468898 2.02532406 2.02595483
3.06480076 3.06680196 3.06878995 3.07076490 3.07272703 3.07467649 3.07661349 3.07853814
4.13053133 4.13459193 4.13862747 4.14263827 4.14662473 4.15058711 4.15452583 4.15844108
5.21911854 5.22598481 5.23281167 5.23959957 5.24634919 5.25306087 5.25973529 5.26637271
6.33105261 6.34150233 6.35189659 6.36223602 6.37252153 6.38275359 6.39293315 6.40306052
7.46683426 7.48167775 7.49644893 7.51114854 7.52577780 7.54033726 7.55482817 7.56925086
8.62697493 8.64705612 8.66704824 8.68695216 8.70676937 8.72650050 8.74614709 8.76570948
9.81199706 9.83819454 9.86428729 9.89027627 9.91616326 9.94194890 9.96763504 9.99322198
11.02243427 11.05566242 11.08877233 11.12176501 11.15464252 11.18740547 11.22005603 11.25259436
12.25883165 12.30004176 12.34112340 12.38207759 12.42290666 12.46361110 12.50419340 12.54465353
13.52174595 13.57192741 13.62197467 13.67188866 13.72167197 13.77132495 13.82085035 13.87024788
14.81174589 14.87192741 14.93197471 14.99188865 15.05167201 15.11132492 15.17085039 15.23024781
16.12941237 16.20066318 16.27178689 16.34278415 16.41365795 16.48440811 16.55503792 16.62554630
17.47533874 17.55876993 17.64208964 17.72529828 17.80839903 17.89139134 17.97427869 18.05705953
18.85013111 18.94689688 19.04357684 19.14017112 19.23668302 19.33311154 19.42946040 19.52572744
20.25440855 20.36570762 20.47695819 20.58816003 20.69931659 20.81042634 20.92149322 21.03251438
21.68880344 21.81588038 21.94295949 22.07004012 22.19712584 22.32421454 22.45131037 22.57840971
23.15396169 23.29810842 23.44232310 23.58660464 23.73095672 23.87537663 24.01986870 24.16442850
24.65054308 24.81310029 24.97580825 25.13866540 25.30167555 25.46483533 25.62814930 25.79161213
26.17922155 26.36158023 26.54419146 26.72705321 26.91016947 27.09353614 27.27715809 27.46102904
27.74068548 27.94428846 28.14826692 28.35261833 28.55734693 28.76244791 28.96792648 29.17377538
29.33563802 29.56198159 29.78884688 30.01623093 30.24413827 30.47256341 30.70151199 30.93097576
30.96479740 31.21543293 31.46676210 31.71878152 31.97149619 32.22489992 32.47899892 32.73378398
32.62889724 32.90543291 33.18286221 33.46118149 33.74039629 34.02049983 34.30149904 34.58338378
34.32868692 34.63278940 34.93801622 35.24436353 35.55183763 35.86043127 36.17015226 36.48098962
36.06493186 36.39832817 36.73311289 37.06928218 37.40684333 37.74578874 38.08612736 38.42784751
37.83841393 38.20289319 38.56906119 38.93691430 39.30646108 39.67769376 40.05062274 40.42523576
39.64993175 40.04734713 40.44679082 40.84825965 41.25176378 41.65729555 42.06486711 42.47446588
41.50030106 41.93257171 42.36725259 42.80434135 43.24385014 43.68577169 44.13012033 44.57688342
43.39035511 43.85946815 44.33141899 44.80620650 45.28384527 45.76432883 46.24767414 46.73386885
45.32094502 45.82895757 46.34028461 46.85492668 47.37290137 47.89420343 48.41885302 48.94683847
47.29294015 47.84198147 48.39486668 48.95159856 49.51219833 50.07666246 50.64501496 51.21724534
49.30722853 49.89950216 50.49620560 51.09734451 51.70294442 52.31300418 52.92755236 53.54658024
51.36471721 52.00250321 52.64536543 53.29331311 53.94637697 54.60455889 55.26789287 55.93637263
53.46633270 54.15198994 54.84343443 55.54067988 56.24376306 56.95268975 57.66750030 58.38819167
55.61302140 56.34898990 57.09152567 57.84064781 58.59640025 59.35879357 60.12787554 60.90364726
57.80574997 58.59455333 59.39077750 60.19444808 61.00561731 61.82430164 62.65055747 63.48439107
60.04550585 60.88975370 61.74235421 62.60334068 63.47277495 64.35068058 65.23712394 66.13211765
62.33329761 63.23568822 64.14744657 65.06861506 65.99926663 66.93943325 67.88919278 68.84856552
64.67015548 65.63347832 66.60727247 67.59159089 68.58651929 69.59209958 70.60842278 71.63551833
67.05713178 68.08427026 69.12307748 70.17361872 71.23599422 72.31025753 73.39651471 74.49480603
69.49530139 70.58923561 71.69613555 72.81608068 73.94918782 75.09552404 76.25521245 77.42830606
71.98576225 73.14957184 74.32774960 75.52039129 76.72763251 77.94955593 79.18630403 80.43794458
74.52963586 75.76650289 77.01925221 78.28799816 79.57289754 80.87405095 82.19162274 83.52569776
77.12806774 78.44127977 79.77200629 81.12038278 82.48658992 83.87074878 85.27304833 86.69359304
79.78222801 81.17518112 82.58740575 84.01906131 85.47035529 86.94143202 88.43250812 89.94371051
82.49331187 83.96951385 85.46687625 86.98558541 88.52587887 90.08792730 91.67197826 93.27818423
85.26254015 86.82561377 88.41187587 90.02154306 91.65488642 93.31210633 94.99348494 96.69920364
88.09115988 89.74484621 91.42389587 93.12855939 94.85914520 96.61588706 98.39910565 100.20901504
90.98044482 92.72860667 94.50446147 96.30829758 98.14046495 100.00123476 101.89097051 103.80992298
93.93169606 95.77832152 97.65513257 99.56245974 101.50069897 103.47016325 105.47126356 107.50429189
96.94624257 98.89544864 100.87750461 102.89278781 104.94174511 107.02473604 109.14222417 111.29454751
100.02544184 102.08147814 104.17320929 106.30106450 108.46554685 110.66706761 112.90614840 115.18317857
103.17068049 105.33793307 107.54391547 109.78911426 112.07409445 114.39932462 116.76539048 119.17273839
106.38337486 108.66637015 110.99132999 113.35880424 115.76942598 118.22372726 120.72236423 123.26584655
109.66497165 112.06838049 114.51719854 117.01204527 119.55362858 122.14255050 124.77954463 127.46519065
113.01694862 115.54559040 118.12330651 120.75079292 123.42883955 126.15812549 128.93946930 131.77352800
116.44081521 119.09966213 121.81147994 124.57704855 127.39724760 130.27284092 133.20474016 136.19368752
119.93811322 122.73229466 125.58358642 128.49286033 131.46109408 134.48914449 137.57802499 140.72857152
168.24190467 173.12390936 178.13647855 183.28246271 188.56493185 193.98677402 199.55119006 205.26109473
230.55379269 238.63300801 246.98076961 255.60473718 264.51303815 273.71359560 283.21496561 293.02532150
310.93612443 323.79483566 337.16679402 351.07013859 365.52402227 380.54753382 396.16106624 412.38466342
414.62932745 434.50521084 455.31049007 477.08446727 499.86863481 523.70500742 548.63830699 574.71335957
548.39355302 578.42869758 610.07873723 643.42337957 678.54697434 715.53601723 754.48258864 795.48037431
37% 38% 39% 40% 41% 42% 43%
2.6581% 2.7204% 2.7822% 2.8436% 2.9046% 2.9653% 3.0255%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
2.02658137 2.02720374 2.02782198 2.02843616 2.02904633 2.02965254 2.03025486
3.08045068 3.08235126 3.08424000 3.08611710 3.08798268 3.08983689 3.09167994
4.16233328 4.16620275 4.17004967 4.17387441 4.17767724 4.18145841 4.18521828
5.27297380 5.27953904 5.28606870 5.29256338 5.29902344 5.30544927 5.31184147
6.41313667 6.42316225 6.43313760 6.44306355 6.45294062 6.46276931 6.47255049
7.58360663 7.59789629 7.61212023 7.62627954 7.64037486 7.65440684 7.66837660
8.78518928 8.80458748 8.82390448 8.84314165 8.86229971 8.88137945 8.90038226
10.01871165 10.04410519 10.06940298 10.09460664 10.11971699 10.14473490 10.16966208
11.28502273 11.31734242 11.34955371 11.38165849 11.41365763 11.44555206 11.47734378
12.58499409 12.62521646 12.66532076 12.70530915 12.74518250 12.78494175 12.82458921
13.91952048 13.96866956 14.01769506 14.06659935 14.11538327 14.16404775 14.21259537
15.28952040 15.34866962 15.40769510 15.46659942 15.52538336 15.58404774 15.64259545
16.69593680 16.76621083 16.83636768 16.90641012 16.97633876 17.04615434 17.11585998
18.13973767 18.22231447 18.30478877 18.38716350 18.46943910 18.55161611 18.63369793
19.62191675 19.71802958 19.81406423 19.91002382 20.00590852 20.10171865 20.19745785
21.14349418 21.25443373 21.36533073 21.47618845 21.58700675 21.69778567 21.80852911
22.70551722 22.83263382 22.95975654 23.08688878 23.21403007 23.34118013 23.46834311
24.30906098 24.45376685 24.59854242 24.74339124 24.88831245 25.03330540 25.17837454
25.95522912 26.11900077 26.28292258 26.44699827 26.61122658 26.77560649 26.94014274
27.64515467 27.82953527 28.01416552 28.19904935 28.38418505 28.56957124 28.75521299
29.38000075 29.58660272 29.79357508 30.00092203 30.20864146 30.41673159 30.62519793
31.16096143 31.39146896 31.62249133 31.85403305 32.08609163 32.31866494 32.55175901
32.98926247 33.24543432 33.50229165 33.75983943 34.01807483 34.27699545 34.53660792
34.86616226 35.14983448 35.43439174 35.71983962 36.00617506 36.29339542 36.58150816
36.79295262 37.10604143 37.42024668 37.73557470 38.05202230 38.36958678 38.68827656
38.77095971 39.11546454 39.46135203 39.80862954 40.15729390 40.50734249 40.85878495
40.80154493 41.17955146 41.55924498 41.94063409 42.32371591 42.70848808 43.09496177
42.88610590 43.29978928 43.71550546 44.13326468 44.55306453 44.97490323 45.39879381
45.02607735 45.47770548 45.93175738 46.38824525 46.84716754 47.30852335 47.77232796
47.22293217 47.71486916 48.20966981 48.70734882 49.20790583 49.71134123 50.21767305
49.47818240 50.01289206 50.55095828 51.09239878 51.63721490 52.18540877 52.73700172
51.79338027 52.37342977 52.95738603 53.54527041 54.13708649 54.73283869 55.33255232
54.17011928 54.79818293 55.43076537 56.06789228 56.70957017 57.35580638 58.00663095
56.61003526 57.28889845 57.97295901 58.66224784 59.35677505 60.05655172 60.76161345
59.11480755 59.84737075 60.58588152 61.33037690 62.08087153 62.83738102 63.59994756
61.68616013 62.47544307 63.27150070 64.07437731 64.88409301 65.70066898 66.52415506
64.32586277 65.17500878 66.03183913 66.89640656 67.76873779 68.64886069 69.53683406
67.03573233 67.94801277 68.86897564 69.79868348 70.73717091 71.68447378 72.64066124
69.81763394 70.79645284 71.78504690 72.78349001 73.79182612 74.81010050 75.83839428
72.67348230 73.72238114 74.78224904 75.85317298 76.93520785 78.02841000 79.13287428
75.60524302 76.72790563 77.86283928 79.01014594 80.16989329 81.34215055 82.52702831
78.61493396 79.81519162 81.02913763 82.25689109 83.49853447 84.75415192 86.02387200
81.70462660 82.98646334 84.28352868 85.59596121 86.92386045 88.26732780 89.62651220
84.87644751 86.24400552 87.62846333 89.02998166 90.44867959 91.88467827 93.33814978
88.13257977 89.59016502 91.06646068 92.56165246 94.07588178 95.60929237 97.16208244
91.47526448 93.02735257 94.60010993 96.19375042 97.80844089 99.44435074 101.10170764
94.90680233 96.55804449 98.23207230 99.92913130 101.64941714 103.39312832 105.16052565
98.42955516 100.18478442 101.96508305 103.77073206 105.60195966 107.45899720 109.34214263
102.04594759 103.91018525 105.80195355 107.72157320 109.66930902 111.64542941 113.65027385
105.75846867 107.73693091 109.74557339 111.78476110 113.85479997 115.95599997 118.08874697
109.56967366 111.66777837 113.79891253 115.96349045 118.16186406 120.39438990 122.66150548
113.48218570 115.70555958 117.96502360 120.26104682 122.59403255 124.96438936 127.37261216
117.49869766 119.85318354 122.24704413 124.68080919 127.15493928 129.66990092 132.22625270
121.62197402 124.11363838 126.64819895 129.22625262 131.84832361 134.51494284 137.22673947
125.85485271 128.48999353 131.17180261 133.90095102 136.67803352 139.50365256 142.37851526
130.20024712 132.98540191 135.82126187 138.70857989 141.64802879 144.64029020 147.68615731
134.66114806 137.60310221 140.60007831 143.65291926 146.76238418 149.92924219 153.15438132
139.24062586 142.34642122 145.51185087 148.73785666 152.02529282 155.37502504 158.78804568
143.94183246 147.21877625 150.56027868 153.96739015 157.44106964 160.98228919 164.59215578
211.11982000 217.13058888 223.29648720 229.62095630 236.10730417 242.75889718 249.57939179
303.15365784 313.60889413 324.39981936 335.53595421 347.02670121 358.88167990 371.11114634
429.24000867 446.74896068 464.93345427 483.81695866 503.42305997 523.77603050 544.90156545
601.97829974 630.48225982 660.27521126 691.41037526 723.94193845 757.92600709 793.42187919
838.62974536 884.03422273 931.80025966 982.04117298 1034.87357489 1090.41897209 1148.80594848
44% 45% 46% 47% 48% 49% 50%
3.0853% 3.1448% 3.2039% 3.2626% 3.3210% 3.3790% 3.4366%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
2.03085332 2.03144799 2.03203891 2.03262613 2.03320970 2.03378967 2.03436608
3.09351189 3.09533295 3.09714322 3.09894285 3.10073198 3.10251075 3.10427927
4.18895700 4.19267495 4.19637231 4.20004937 4.20370636 4.20734357 4.21096118
5.31820023 5.32452615 5.33081951 5.33708072 5.34331019 5.34950832 5.35567541
6.48228436 6.49197179 6.50161316 6.51120901 6.52075992 6.53026644 6.53972898
7.68228436 7.69613125 7.70991775 7.72364456 7.73731240 7.75092199 7.76447382
8.91930834 8.93815911 8.95693512 8.97563720 8.99426622 9.01282308 9.03130835
10.19449861 10.21924625 10.24390555 10.26847750 10.29296311 10.31736340 10.34167902
11.50903274 11.54062101 11.57210912 11.60349818 11.63478932 11.66598370 11.69708199
12.86412461 12.90355034 12.94286688 12.98207542 13.02117719 13.06017344 13.09906484
14.26102556 14.30934106 14.35754223 14.40563030 14.45360657 14.50147239 14.54922835
15.70102555 15.75934108 15.81754224 15.87563027 15.93360651 15.99147236 16.04922830
17.18545431 17.25494068 17.32431905 17.39359065 17.46275680 17.53181893 17.60077736
18.71568263 18.79757388 18.87937135 18.96107620 19.04268972 19.12421331 19.20564708
20.29312358 20.38871979 20.48424583 20.57970274 20.67509173 20.77041417 20.86566989
21.91923381 22.02990405 22.14053873 22.25113879 22.36170533 22.47223961 22.58274117
23.59551495 23.72270025 23.84989746 23.97710734 24.10433085 24.23156917 24.35882146
25.32351492 25.46873149 25.61402218 25.75938756 25.90482845 26.05034589 26.19593867
27.10482943 27.26967191 27.43466753 27.59981669 27.76512003 27.93057849 28.09619039
28.94110341 29.12724828 29.31364438 29.50029189 29.68719134 29.87434352 30.06174632
30.83403253 31.04324169 31.25282159 31.46277225 31.67309405 31.88378772 32.09485070
32.78536480 33.01948924 33.25412793 33.48928075 33.72494800 33.96113039 34.19782490
34.79690216 35.05788581 35.31955394 35.58190638 35.84494341 36.10866578 36.37307009
36.87050211 37.16038585 37.45115395 37.74280628 38.03534323 38.32876568 38.62306992
39.00807951 39.32900529 39.65104810 39.97420799 40.29848557 40.62388202 40.95039344
41.21160827 41.56582346 41.92142446 42.27841169 42.63678618 42.99654959 43.35769793
43.48312321 43.87298506 44.26454121 44.65779265 45.05274106 45.44938881 45.84773205
45.82472193 46.25270226 46.68272886 47.11480360 47.54892907 47.98510866 48.42333888
48.23856673 48.70725677 49.17839261 49.65197730 50.12801474 50.60650965 51.08745921
50.72688667 51.23900210 51.75401470 52.27192917 52.79275108 53.31648691 53.84313492
53.29197954 53.85036572 54.41215692 54.97735993 55.54598250 56.11803341 56.69351241
55.93621404 56.54385149 57.15546312 57.77105842 58.39064792 59.01424324 59.64184619
58.66203195 59.32204196 59.98666186 60.65590448 61.32978382 62.00831504 62.69150265
61.47195039 62.18760094 62.90856912 63.63487191 64.36652754 65.10355555 65.84596384
64.36856415 65.14327600 65.92409110 66.71103151 67.50412061 68.30338320 69.10883150
67.35454805 68.19190109 69.03622713 69.88755430 70.74591220 71.61133198 72.48383113
70.43265948 71.33639931 72.24807259 73.16771473 74.09536272 75.03105526 75.97481627
73.60574086 74.57978568 75.56282209 76.55489410 77.55604749 78.56632985 79.58577289
76.87672234 77.92517004 78.98377254 80.05258403 81.13166056 82.22106021 83.32082393
80.24862445 81.37576001 82.51432652 83.66439004 84.82601867 85.99928271 87.18423403
83.72456094 84.93486409 86.15799561 87.39403531 88.64306530 89.90517009 91.18041439
87.30774161 88.60589485 89.91840387 91.24536446 92.58687491 93.94303612 95.31392780
91.00147530 92.39237215 93.79929152 95.22234759 96.66165724 98.11734031 99.58949387
94.80917294 96.29792654 97.80451858 99.32908428 100.87176188 102.43269286 104.01199438
98.73435069 100.32630277 101.93806875 103.56980789 105.22168283 106.89385974 108.58647890
102.78063321 104.48136334 106.20405336 107.94888991 109.71606335 111.50576799 113.31817053
106.95175698 108.76709221 110.60671547 112.47084443 114.35970090 116.27351109 118.21247184
111.25157376 113.18759864 115.15043407 117.14033282 119.15755226 121.20235466 123.27497110
115.68405416 117.74712111 119.83972846 121.96216854 124.11473883 126.29774223 128.51144862
120.25329131 122.45003139 124.67926274 126.94132211 129.23655207 131.56530126 133.92788335
124.96350458 127.30083876 129.67385041 132.08292619 134.52845919 137.01084938 139.53045970
129.81904358 132.30419426 134.82845924 137.39228091 139.99610896 142.64040076 145.32557464
134.82439207 137.46489524 140.14821611 142.87485933 145.64533774 148.46017283 151.31984496
139.98417218 142.78788989 145.63841219 148.53631306 151.48217572 154.47659308 157.52011486
145.30314864 148.27828202 151.30450817 154.38247812 157.51285333 160.69630618 163.93346373
150.78623319 153.94133595 157.15213969 160.41938092 163.74380793 167.12618134 170.56721426
156.43848909 159.78248155 163.18712295 166.65324450 170.18169067 173.77331986 177.42894079
162.26513585 165.80731943 169.41546050 173.09049492 176.83337356 180.64506299 184.52647796
168.27155402 172.02162635 175.84334719 179.73776791 183.70595685 187.74900005 191.86792967
256.57206084 263.74070178 271.08882972 278.62014321 286.33841136 294.24747623 302.35111240
383.72478936 396.73336250 410.14723455 423.97723164 438.23443771 452.93020218 468.07588047
566.82471654 589.57272248 613.17250606 637.65214685 663.04054731 689.36745857 716.66302355
830.48860895 869.18979726 909.58940317 951.75426516 995.75357564 1041.65896271 1089.54372462
1210.16461011 1274.63455979 1342.35807394 1413.48436874 1488.16883702 1566.57329217 1648.86475590
TABLA D-8 FACTOR DE INTERES DEL VALOR PRESENTE PARA UNA CUOTA MENSUAL ORDINARIA:
n = NRO DE CUOTAS (1 = 30d)i = TIEA (TASA DE INTERES EFECTIVA ANUAL)
CUOTA (1=30d) 1% 2% 3% 4% 5% 6%
0.0830% 0.1652% 0.2466% 0.3274% 0.4074% 0.4868%1 0.99917115 0.99835114 0.99753980 0.99673694 0.99594241 0.99515603
2 1.99751413 1.99505615 1.99262545 1.99022147 1.98784370 1.98549155
3 2.99502963 2.99011773 2.98526298 2.98046421 2.97572026 2.97102991
4 3.99171834 3.98353860 3.97545843 3.96747573 3.95958842 3.95179436
5 4.98758094 4.97532146 4.96321779 4.95126657 4.93946445 4.92780800
6 5.98261812 5.96546901 5.94854707 5.93184724 5.91536454 5.89909387
7 6.97683056 6.95398395 6.93145224 6.90922822 6.88730484 6.86567485
8 7.97021895 7.94086897 7.91193926 7.88341996 7.85530139 7.82757375
9 8.96278396 8.92612675 8.89001408 8.85443285 8.81937022 8.78481323
10 9.95452628 9.90975999 9.86568265 9.82227726 9.77952725 9.73741587
11 10.94544660 10.89177136 10.83895087 10.78696355 10.73578836 10.68540413
12 11.93554558 11.87216353 11.80982465 11.74850201 11.68816936 11.62880036
13 12.92482393 12.85093918 12.77830989 12.70690291 12.63668598 12.56762681
14 13.91328230 13.82810096 13.74441246 13.66217650 13.58135392 13.50190561
15 14.90092139 14.80365155 14.70813822 14.61433297 14.52218878 14.43165879
16 15.88774187 15.77759359 15.66949301 15.56338250 15.45920612 15.35690827
17 16.87374443 16.74992974 16.62848269 16.50933523 16.39242143 16.27767587
18 17.85892973 17.72066265 17.58511305 17.45220126 17.32185013 17.19398330
19 18.84329846 18.68979496 18.53938991 18.39199067 18.24750759 18.10585216
20 19.82685130 19.65732931 19.49131905 19.32871349 19.16940912 19.01330395
21 20.80958891 20.62326833 20.44090626 20.26237972 20.08756995 19.91636007
22 21.79151198 21.58761466 21.38815729 21.19299935 21.00200526 20.81504181
23 22.77262118 22.55037091 22.33307789 22.12058232 21.91273017 21.70937037
24 23.75291718 23.51153972 23.27567379 23.04513853 22.81975973 22.59936682
25 24.73240067 24.47112371 24.21595072 23.96667785 23.72310894 23.48505216
26 25.71107230 25.42912547 25.15391438 24.88521015 24.62279273 24.36644725
27 26.68893277 26.38554763 26.08957045 25.80074521 25.51882597 25.24357290
28 27.66598273 27.34039278 27.02292462 26.71329284 26.41122347 26.11644978
29 28.64222286 28.29366353 27.95398255 27.62286277 27.30000000 26.98509846
30 29.61765383 29.24536248 28.88274989 28.52946472 28.18517023 27.84953943
31 30.59227631 30.19549221 29.80923228 29.43310837 29.06674881 28.70979308
32 31.56609098 31.14405531 30.73343533 30.33380339 29.94475030 29.56587968
33 32.53909849 32.09105436 31.65536465 31.23155938 30.81918923 30.41781943
34 33.51129953 33.03649196 32.57502584 32.12638595 31.69008004 31.26563240
35 34.48269476 33.98037065 33.49242448 33.01829264 32.55743713 32.10933859
36 35.45328484 34.92269303 34.40756613 33.90728900 33.42127485 32.94895789
37 36.42307044 35.86346166 35.32045635 34.79338450 34.28160746 33.78451009
38 37.39205224 36.80267909 36.23110068 35.67658863 35.13844921 34.61601491
39 38.36023090 37.74034788 37.13950463 36.55691080 35.99181424 35.44349194
40 39.32760707 38.67647060 38.04567373 37.43436044 36.84171666 36.26696070
41 40.29418144 39.61104978 38.94961346 38.30894691 37.68817053 37.08644059
42 41.25995465 40.54408798 39.85132932 39.18067955 38.53118984 37.90195095
im -->>
43 42.22492739 41.47558773 40.75082678 40.04956768 39.37078852 38.71351100
44 43.18910030 42.40555157 41.64811130 40.91562058 40.20698046 39.52113988
45 44.15247406 43.33398203 42.54318831 41.77884749 41.03977947 40.32485662
46 45.11504932 44.26088164 43.43606325 42.63925765 41.86919933 41.12468018
47 46.07682675 45.18625293 44.32674153 43.49686024 42.69525374 41.92062942
48 47.03780701 46.11009841 45.21522857 44.35166442 43.51795637 42.71272311
49 47.99799075 47.03242061 46.10152975 45.20367933 44.33732080 43.50097991
50 48.95737865 47.95322202 46.98565045 46.05291406 45.15336059 44.28541843
51 49.91597136 48.87250517 47.86759604 46.89937769 45.96608923 45.06605714
52 50.87376953 49.79027255 48.74737186 47.74307926 46.77552015 45.84291446
53 51.83077383 50.70652667 49.62498325 48.58402779 47.58166673 46.61600871
54 52.78698491 51.62127001 50.50043554 49.42223225 48.38454230 47.38535811
55 53.74240344 52.53450507 51.37373404 50.25770160 49.18416013 48.15098080
56 54.69703007 53.44623434 52.24488405 51.09044477 49.98053343 48.91289484
57 55.65086545 54.35646030 53.11389085 51.92047065 50.77367539 49.67111819
58 56.60391024 55.26518542 53.98075973 52.74778810 51.56359910 50.42566873
59 57.55616510 56.17241219 54.84549592 53.57240597 52.35031762 51.17656424
60 58.50763068 57.07814307 55.70810470 54.39433307 53.13384397 51.92382244
72 69.86389148 67.83112820 65.89536304 64.05074521 62.29183257 60.61353884
84 81.10771380 78.37327065 75.78590510 73.33575686 71.01372687 68.81138457
96 92.24021090 88.70870458 85.38837309 82.26365265 79.32029325 76.54520134
108 103.26248501 98.84148311 94.71115752 90.84816781 87.23130920 83.84125494
120 114.17562744 108.77557985 103.76240452 99.10250929 94.76561045 90.72432443
FACTOR DE INTERES DEL VALOR PRESENTE PARA UNA CUOTA MENSUAL ORDINARIA:PVIFm=
redondeo = 87% 8% 9% 10% 11% 12% 13% 14%
0.5654% 0.6434% 0.7207% 0.7974% 0.8735% 0.9489% 1.0237% 1.0979%0.99437764 0.99360710 0.99284425 0.99208894 0.99134104 0.99060040 0.98986689 0.98914038
1.98316453 1.98086218 1.97858397 1.97632942 1.97409810 1.97188955 1.96970335 1.96753906
2.96639210 2.96180583 2.95726997 2.95278351 2.94834552 2.94395498 2.93961103 2.93531270
3.94409162 3.93647841 3.92895276 3.92151282 3.91415696 3.90688339 3.89969052 3.89257669
4.91629415 4.90492001 4.89368242 4.88257845 4.87160548 4.86076065 4.85004142 4.83944514
5.88303062 5.86717045 5.85150872 5.83604104 5.82076350 5.80567185 5.79076231 5.77603097
6.84433174 6.82326933 6.80248107 6.78196074 6.76170280 6.74170126 6.72195078 6.70244582
7.80022808 7.77325597 7.74664849 7.72039721 7.69449454 7.66893237 7.64370341 7.61880016
8.75075003 8.71716944 8.68405969 8.65140966 8.61920928 8.58744788 8.55611582 8.52520323
9.69592779 9.65504857 9.61476302 9.57505681 9.53591696 9.49732972 9.45928266 9.42176310
10.63579143 10.58693193 10.53880647 10.49139695 10.44468690 10.39865903 10.35329761 10.30858668
11.57037082 11.51285786 11.45623770 11.40048786 11.34558784 11.29151620 11.23825340 11.18577968
12.49969567 12.43286444 12.36710402 12.30238690 12.23868792 12.17598087 12.11424185 12.05344670
13.42379551 13.34698951 13.27145242 13.19715098 13.12405469 13.05213193 12.98135381 12.91169118
14.34269974 14.25527067 14.16932953 14.08483652 14.00175510 13.92004753 13.83967922 13.76061544
15.25643755 15.15774528 15.06078165 14.96549953 14.87185553 14.77980506 14.68930714 14.60032071
16.16503800 16.05445046 15.94585478 15.83919557 15.73442181 15.63148122 15.53032568 15.43090710
17.06852997 16.94542310 16.82459454 16.70597974 16.58951916 16.47515196 16.36282209 16.25247363
17.96694219 17.83069985 17.69704626 17.56590674 17.43721226 17.31089254 17.18688272 17.06511825
18.86030320 18.71031710 18.56325494 18.41903081 18.27756522 18.13877749 18.00259305 17.86893787
19.74864142 19.58431106 19.42326526 19.26540577 19.11064161 18.95888065 18.81003771 18.66402830
20.63198509 20.45271766 20.27712155 20.10508501 19.93650441 19.77127517 19.60930044 19.45048435
21.51036227 21.31557263 21.12486787 20.93812150 20.75521611 20.57603351 20.40046415 20.22839978
22.38380090 22.17291145 21.96654793 21.76456779 21.56683862 21.37322744 21.18361091 20.99786735
23.25232875 23.02476939 22.80220514 22.58447601 22.37143332 22.16292807 21.95882197 21.75897878
24.11597342 23.87118149 23.63188260 23.39789790 23.16906107 22.94520583 22.72617772 22.51182483
24.97476236 24.71218257 24.45562310 24.20488476 23.95978220 23.72013050 23.48575778 23.25649526
25.82872289 25.54780721 25.27346912 25.00548750 24.74365650 24.48777118 24.23764092 23.99307885
26.67788214 26.37808979 26.08546284 25.79975663 25.52074327 25.24819634 24.98190516 24.72166341
27.52226712 27.20306446 26.89164614 26.58774225 26.29110128 26.00147382 25.71862768 25.44233582
28.36190465 28.02276515 27.69206060 27.36949407 27.05478880 26.74767079 26.44788492 26.15518200
29.19682145 28.83722557 28.48674750 28.14506141 27.81186357 27.48685381 27.16975251 26.86028694
30.02704403 29.64647924 29.27574781 28.91449320 28.56238287 28.21908880 27.88430533 27.55773471
30.85259881 30.45055942 30.05910224 29.67783796 29.30640345 28.94444107 28.59161752 28.24760845
31.67351203 31.24949921 30.83685119 30.43514386 30.04398159 29.66297533 29.29176243 28.92999043
32.48980977 32.04333145 31.60903476 31.18645868 30.77517307 30.37475565 29.98481270 29.60496199
33.30151799 32.83208881 32.37569278 31.93182980 31.50003319 31.07984553 30.67084022 30.27260361
34.10866250 33.61580372 33.13686479 32.67130424 32.21861678 31.77830784 31.34991615 30.93299490
34.91126894 34.39450842 33.89259005 33.40492866 32.93097819 32.47020488 32.02211092 31.58621459
35.70936285 35.16823494 34.64290753 34.13274934 33.63717129 33.15559837 32.68749427 32.23234056
36.50296958 35.93701511 35.38785593 34.85481219 34.33724950 33.83454944 33.34613522 32.87144984
37.29211438 36.70088054 36.12747367 35.57116276 35.03126575 34.50711863 33.99810209 33.50361864
TIEm = im
38.07682231 37.45986266 36.86179889 36.28184624 35.71927255 35.17336595 34.64346251 34.12892232
38.85711834 38.21399268 37.59086946 36.98690746 36.40132193 35.83335081 35.28228342 34.74743544
39.63302725 38.96330163 38.31472299 37.68639090 37.07746547 36.48713208 35.91463108 35.35923174
40.40457373 39.70782033 39.03339681 38.38034069 37.74775431 37.13476806 36.54057110 35.96438416
41.17178230 40.44757939 39.74692798 39.06880061 38.41223915 37.77631653 37.16016840 36.56296485
41.93467735 41.18260924 40.45535330 39.75181407 39.07097025 38.41183469 37.77348726 37.15504518
42.69328312 41.91294013 41.15870932 40.42942419 39.72399742 39.04137924 38.38059129 37.74069575
43.44762374 42.63860208 41.85703229 41.10167369 40.37137005 39.66500633 38.98154346 38.31998636
44.19772318 43.35962496 42.55035824 41.76860498 41.01313711 40.28277157 39.57640613 38.89298610
44.94360529 44.07603840 43.23872293 42.43026015 41.64934714 40.89473006 40.16524098 39.45976328
45.68529379 44.78787189 43.92216185 43.08668092 42.28004826 41.50093639 40.74810911 40.02038547
46.42281225 45.49515470 44.60071026 43.73790871 42.90528815 42.10144463 41.32507097 40.57491952
47.15618411 46.19791592 45.27440315 44.38398461 43.52511413 42.69630832 41.89618641 41.12343153
47.88543269 46.89618447 45.94327526 45.02494936 44.13957305 43.28558054 42.46151468 41.66598691
48.61058117 47.58998905 46.60736110 45.66084340 44.74871141 43.86931383 43.02111441 42.20265034
49.33165261 48.27935821 47.26669490 46.29170685 45.35257526 44.44756027 43.57504366 42.73348581
50.04866992 48.96432030 47.92131068 46.91757950 45.95121028 45.02037142 44.12335989 43.25855661
50.76165590 49.64490351 48.57124220 47.53850084 46.54466174 45.58779837 44.66611997 43.77792533
59.01116812 57.48036117 56.01701212 54.61730703 53.27771744 51.99490902 50.76579524 49.58746946
66.72099220 64.73541457 62.84799397 61.05258541 59.34353367 57.71554373 56.16373825 54.68356091
73.92643487 71.45305661 69.11495004 66.90283852 64.80823322 62.82325347 60.94067920 59.15381668
80.66049306 77.67309555 74.86445125 72.22125046 69.73138619 67.38370876 65.16806080 63.07509376
86.95400505 83.43239087 80.13922321 77.05617043 74.16665934 71.45554397 68.90910666 66.51481057
15% 16% 17% 18% 19% 20% 21% 22%
1.1715% 1.2445% 1.3170% 1.3888% 1.4602% 1.5309% 1.6012% 1.6709%0.98842073 0.98770784 0.98700157 0.98630182 0.98560845 0.98492138 0.98424047 0.98356564
1.96539627 1.96327461 1.96117368 1.95909309 1.95703247 1.95499149 1.95296977 1.95096701
2.93105915 2.92684956 2.92268309 2.91855889 2.91447619 2.91043429 2.90643235 2.90246976
3.88554035 3.87858009 3.87169438 3.86488175 3.85814082 3.85147032 3.84486881 3.83833517
4.82896936 4.81861179 4.80837002 4.79824170 4.78822464 4.77831682 4.76851596 4.75882023
5.76147415 5.74708847 5.73287036 5.71881632 5.70492312 5.69118775 5.67760685 5.66417772
6.68318122 6.66415216 6.64535364 6.62678074 6.60842889 6.59029384 6.57237091 6.55465623
7.59421559 7.56994316 7.54597608 7.52230770 7.49893182 7.47584266 7.45303390 7.43050029
8.49470085 8.46460003 8.43489184 8.40556756 8.37661902 8.34803861 8.31981805 8.29195043
9.38475915 9.34825963 9.31225310 9.27672837 9.24167495 9.20708305 9.17294209 9.13924318
10.26451122 10.22105714 10.17821004 10.13595586 10.09428138 10.05317428 10.01262130 9.97261122
11.13407641 11.08312608 11.03291091 10.98341349 10.93461749 10.88650762 10.83906756 10.79228338
11.99357266 11.93459834 11.87650201 11.81926249 11.76285985 11.70727543 11.65248942 11.59848477
12.84311658 12.77560415 12.70912775 12.64366188 12.57918253 12.51566720 12.45309213 12.39143675
13.68282340 13.60627219 13.53093067 13.45676849 13.38375706 13.31186953 13.24107771 13.17135707
14.51280702 14.42672952 14.34205145 14.25873702 14.17675251 14.09606623 14.01664501 13.93845990
15.33318005 15.23710166 15.14262893 15.04972003 14.95833554 14.86843832 14.77998974 14.69295589
16.14405375 16.03751257 15.93280017 15.82986802 15.72867037 15.62916410 15.53130451 15.43505222
16.94553813 16.82808470 16.71270042 16.59932940 16.48791889 16.37841919 16.27077891 16.16495267
17.73774190 17.60893899 17.48246320 17.35825055 17.23624064 17.11637653 16.99859955 16.88285767
18.52077253 18.38019489 18.24222027 18.10677586 17.97379289 17.84320650 17.71495007 17.58896437
19.29473624 19.14197039 18.99210170 18.84504773 18.70073062 18.55907687 18.42001124 18.28346666
20.05973801 19.89438202 19.73223585 19.57320662 19.41720659 19.26415290 19.11396099 18.96655525
20.81588162 20.63754488 20.46274942 20.29139106 20.12337136 19.95859735 19.79697440 19.63841771
21.56326965 21.37157267 21.18376746 20.99973767 20.81937332 20.64257053 20.46922385 20.29923855
22.30200346 22.09657767 21.89541341 21.69838122 21.50535874 21.31623035 21.13087897 20.94919921
23.03218327 22.81267079 22.59780908 22.38745463 22.18147177 21.97973229 21.78210671 21.58847820
23.75390814 23.51996157 23.29107471 23.06708898 22.84785448 22.63322954 22.42307140 22.21725104
24.46727596 24.21855822 23.97532897 23.73741357 23.50464691 23.27687296 23.05393479 22.83569040
25.17238350 24.90856761 24.65068901 24.39855593 24.15198708 23.91081111 23.67485608 23.44396611
25.86932641 25.59009529 25.31727044 25.05064185 24.79001103 24.53519035 24.28599193 24.04224519
26.55819923 26.26324553 25.97518735 25.69379537 25.41885282 25.15015481 24.88749657 24.63069195
27.23909541 26.92812129 26.62455238 26.32813886 26.03864460 25.75584645 25.47952178 25.20946796
27.91210730 27.58482429 27.26547668 26.95379299 26.64951662 26.35240510 26.06221695 25.77873215
28.57732621 28.23345499 27.89806998 27.57087680 27.25159725 26.93996846 26.63572912 26.33864085
29.23484237 28.87411261 28.52244056 28.17950768 27.84501300 27.51867217 27.20020300 26.88934782
29.88474498 29.50689517 29.13869531 28.77980142 28.42988858 28.08864983 27.75578105 27.43100426
30.52712218 30.13189946 29.74693972 29.37187223 29.00634689 28.65003301 28.30260344 27.96375894
31.16206113 30.74922110 30.34727790 29.95583274 29.57450908 29.20295130 28.84080817 28.48775812
31.78964795 31.35895452 30.93981263 30.53179406 30.13449453 29.74753235 29.37053104 29.00314572
32.40996777 31.96119300 31.52464535 31.09986575 30.68642093 30.28390186 29.89190573 29.51006326
33.02310474 32.55602867 32.10187616 31.66015589 31.23040425 30.81218366 30.40506381 30.00864992
(1+i)^(30/360) -1)
(1/im)*(1-(1/(1+im)^n))
33.62914203 33.14355252 32.67160388 32.21277107 31.76655880 31.33249969 30.91013475 30.49904264
34.22816185 33.72385443 33.23392604 32.75781643 32.29499726 31.84497008 31.40724601 30.98137607
34.82024546 34.29702317 33.78893889 33.29539566 32.81583068 32.34971312 31.89652303 31.45578265
35.40547318 34.86314643 34.33673745 33.82561103 33.32916849 32.84684533 32.37808927 31.92239267
35.98392438 35.42231082 34.87741549 34.34856341 33.83511858 33.33648146 32.85206626 32.38133425
36.55567754 35.97460186 35.41106556 34.86435229 34.33378726 33.81873456 33.31857359 32.83273342
37.12081022 36.52010405 35.93777903 35.37307581 34.82527933 34.29371594 33.77772898 33.27671414
37.67939907 37.05890084 36.45764605 35.87483073 35.30969806 34.76153526 34.22964830 33.71339831
38.23151988 37.59107466 36.97075562 36.36971253 35.78714526 35.22230051 34.67444559 34.14290587
38.77724753 38.11670690 37.47719557 36.85781534 36.25772125 35.67611805 35.11223308 34.56535474
39.31665605 38.63587799 37.97705260 37.33923203 36.72152493 36.12309265 35.54312124 34.98086093
39.84981861 39.14866735 38.47041227 37.81405418 37.17865375 36.56332748 35.96721881 35.38953855
40.37680754 39.65515341 38.95735904 38.28237214 37.62920379 36.99692418 36.38463280 35.79149981
40.89769432 40.15541366 39.43797628 38.74427499 38.07326970 37.42398284 36.79546854 36.18685509
41.41254962 40.64952464 39.91234624 39.19985060 38.51094483 37.84460204 37.19982970 36.57571297
41.92144326 41.13756192 40.38055015 39.64918566 38.94232113 38.25887888 37.59781832 36.95818021
42.42444429 41.61960017 40.84266814 40.09236565 39.36748925 38.66690900 37.98953483 37.33436185
42.92162093 42.09571313 41.29877932 40.52947488 39.78653855 39.06878658 38.37507807 37.70436119
48.45722368 47.37253306 46.33101336 45.33042624 44.36868233 43.44382996 42.55400728 41.69749889
53.27079111 51.92151564 50.63206816 49.39902910 48.21922319 47.08969946 46.00766770 44.97056272
57.45650177 55.84305226 54.30818342 52.84699764 51.45497170 50.12792407 48.86193243 47.65340206
61.09625003 59.22368719 57.45016232 55.76900490 54.17408800 52.65977792 51.22082884 49.85245079
64.26124841 62.13802757 60.13561441 58.24528224 56.45905960 54.76965614 53.17032995 51.65494984
23% 24% 25% 26% 27% 28% 29% 30%
1.7401% 1.8088% 1.8769% 1.9446% 2.0118% 2.0785% 2.1447% 2.2104%0.98289677 0.98223377 0.98157653 0.98092496 0.98027898 0.97963848 0.97900338 0.97837359
1.94898283 1.94701694 1.94506900 1.94313874 1.94122587 1.93933003 1.93745101 1.93558847
2.89854570 2.89465956 2.89081060 2.88699826 2.88322190 2.87948080 2.87577447 2.87210223
3.83186798 3.82546613 3.81912834 3.81285363 3.80664081 3.80048867 3.79439632 3.78836256
4.74922743 4.73973578 4.73034325 4.72104826 4.71184897 4.70274341 4.69373022 4.68480747
5.65089708 5.63776231 5.62477042 5.61191905 5.59920550 5.58662688 5.57418114 5.56186549
6.53714526 6.51983428 6.50271913 6.48579645 6.46906245 6.45251314 6.43614558 6.41995590
7.40823573 7.38623516 7.36449297 7.34300460 7.32176494 7.30076863 7.28001168 7.25948889
8.26442775 8.23724336 8.21038995 8.18386148 8.15765127 8.13175236 8.10615945 8.08086579
9.10597612 9.07313236 9.04070256 9.00867898 8.97705307 8.94581599 8.91496090 8.88447927
9.93313129 9.89417075 9.85571793 9.81776305 9.78029543 9.74330404 9.70678027 9.67071346
10.74613943 10.70062239 10.65571788 10.61141382 10.56769704 10.52455403 10.48197410 10.43994424
11.54524252 11.49274642 11.44097906 11.38992566 11.33957029 11.28989658 11.24089149 11.19253931
12.33067836 12.27079739 12.21177299 12.15358737 12.09622141 12.03965559 11.98387418 11.92885846
13.10268071 13.03502532 12.96836623 12.90268220 12.83795060 12.77414836 12.71125674 12.64925366
13.86147932 13.78567581 13.71102038 13.63748801 13.56505214 13.49368575 13.42336674 13.35406930
14.60730003 14.52299007 14.43999227 14.35827738 14.27781449 14.19857226 14.12052483 14.04364232
15.34036480 15.24720503 15.15553396 15.06531767 14.97652045 14.88910620 14.80304496 14.71830234
16.06089179 15.95855341 15.85789289 15.75887113 15.66144721 15.56557983 15.47123448 15.37837188
16.76909544 16.65726382 16.54731192 16.43919504 16.33286652 16.22827942 16.12539428 16.02416650
17.46518653 17.34356078 17.22402946 17.10654174 16.99104476 16.87748545 16.76581893 16.65599489
18.14937220 18.01766482 17.88827951 17.76115878 17.63624306 17.51347265 17.39279683 17.27415911
18.82185610 18.67979258 18.54029177 18.40328898 18.26871738 18.13651018 18.00661032 17.87895465
19.48283835 19.33015682 19.18029170 19.03317051 18.88871867 18.74686172 18.60753581 18.47067063
20.13251566 19.96896654 19.80850060 19.65103704 19.49649291 19.34478557 19.19584389 19.04958992
20.77108140 20.59642702 20.42513571 20.25711773 20.09228122 19.93053479 19.77179949 19.61598927
21.39872560 21.21273989 21.03041027 20.85163742 20.67631998 20.50435726 20.33566197 20.17013943
22.01563505 21.81810321 21.62453356 21.43481662 21.24884089 21.06649583 20.88768524 20.71230531
22.62199337 22.41271149 22.20771103 22.00687165 21.81007112 21.61718841 21.42811790 21.24274609
23.21798099 22.99675583 22.78014435 22.56801471 22.36023331 22.15666804 21.95720330 21.76171535
23.80377531 23.57042390 23.34203146 23.11845395 22.89954574 22.68516306 22.47517969 22.26946115
24.37955065 24.13390006 23.89356666 23.65839354 23.42822239 23.20289710 22.98228033 22.76622624
24.94547837 24.68736536 24.43494066 24.18803376 23.94647299 23.71008930 23.47873358 23.25224809
25.50172690 25.23099767 24.96634067 24.70757108 24.45450317 24.20695429 23.96476298 23.72775903
26.04846179 25.76497169 25.48795045 25.21719820 24.95251447 24.69370235 24.44058742 24.19298637
26.58584574 26.28945899 25.99995036 25.71710416 25.44070448 25.17053949 24.90642115 24.64815251
27.11403869 26.80462814 26.50251745 26.20747440 25.91926689 25.63766749 25.36247394 25.09347505
27.63319783 27.31064467 26.99582551 26.68849081 26.38839156 26.09528406 25.80895117 25.52916686
28.14347768 27.80767119 27.48004513 27.16033181 26.84826462 26.54358285 26.24605389 25.95543622
28.64503010 28.29586742 27.95534373 27.62317243 27.29906851 26.98275361 26.67397893 26.37248690
29.13800435 28.77539025 28.42188569 28.07718434 27.74098209 27.41298217 27.09291900 26.78051827
29.62254714 29.24639376 28.87983232 28.52253596 28.17418069 27.83445063 27.50306274 27.17972539
30.09880269 29.70902932 29.32934198 28.95939249 28.59883616 28.24733735 27.90459484 27.57029909
30.56691273 30.16344558 29.77057011 29.38791595 29.01511700 28.65181707 28.29769613 27.95242609
31.02701658 30.60978858 30.20366929 29.80826532 29.42318836 29.04806097 28.68254363 28.32628905
31.47925117 31.04820175 30.62878927 30.22059651 29.82321214 29.43623673 29.05931063 28.69206669
31.92375109 31.47882597 31.04607707 30.62506246 30.21534704 29.81650865 29.42816680 29.04993388
32.36064862 31.90179962 31.45567697 31.02181321 30.59974864 30.18903765 29.78927823 29.40006169
32.79007379 32.31725861 31.85773063 31.41099593 30.97656945 30.55398140 30.14280755 29.74261749
33.21215440 32.72533647 32.25237705 31.79275497 31.34595897 30.91149434 30.48891394 30.07776503
33.62701608 33.12616433 32.63975272 32.16723194 31.70806375 31.26172777 30.82775328 30.40566454
34.03478228 33.51987098 33.01999158 32.53456575 32.06302746 31.60482991 31.15947813 30.72647276
34.43557436 33.90658295 33.39322513 32.89489266 32.41099092 31.94094597 31.48423788 31.04034305
34.82951160 34.28642450 33.75958241 33.24834631 32.75209219 32.27021820 31.80217878 31.34742545
35.21671124 34.65951770 34.11919012 33.59505783 33.08646660 32.59278594 32.11344400 31.64786676
35.59728852 35.02598244 34.47217260 33.93515580 33.41424680 32.90878572 32.41817370 31.94181061
35.97135670 35.38593648 34.81865192 34.26876640 33.73556285 33.21835126 32.71650510 32.22939750
36.33902710 35.73949550 35.15874789 34.59601336 34.05054221 33.52161357 33.00857256 32.51076492
36.70040915 36.08677311 35.49257811 34.91701808 34.35930986 33.81870100 33.29450758 32.78604738
37.05561040 36.42788090 35.82025801 35.23189961 34.66198830 34.10973928 33.57443894 33.05537646
40.87265259 40.07794655 39.31192265 38.57323791 37.86060233 37.17278737 36.50867219 35.86715708
43.97593898 43.02154797 42.10525419 41.22509360 40.37919617 39.56579364 38.78327171 38.03006526
46.49893610 45.39542015 44.33991930 43.32974090 42.36234100 41.43532977 40.54652724 39.69384080
48.55015332 47.30983326 46.12765128 45.00009584 43.92387243 42.89590483 41.91339206 40.97366814
50.21780962 48.85371484 47.55783679 46.32577432 45.15342478 44.03697909 42.97297724 41.95815072
31% 32% 33% 34% 35% 36% 37% 38%
2.2757% 2.3406% 2.4050% 2.4689% 2.5324% 2.5955% 2.6581% 2.7204%0.97774902 0.97712961 0.97651525 0.97590588 0.97530141 0.97470178 0.97410690 0.97351670
1.93374218 1.93191188 1.93009728 1.92829816 1.92651425 1.92474534 1.92299116 1.92125148
2.86846355 2.86485790 2.86128467 2.85774339 2.85423347 2.85075449 2.84730587 2.84388711
3.78238645 3.77646708 3.77060335 3.76479446 3.75903933 3.75333726 3.74768721 3.74208832
4.67597368 4.66722741 4.65856692 4.64999093 4.64149776 4.63308630 4.62475489 4.61650219
5.54967773 5.53761569 5.52567687 5.51385936 5.50216071 5.49057925 5.47911257 5.46775870
6.40394100 6.38809785 6.37242297 6.35691365 6.34156650 6.32637915 6.31134829 6.29647114
7.23919608 7.21912915 7.19928344 7.17965528 7.16024015 7.14103481 7.12203485 7.10323654
8.05586592 8.03115444 8.00672530 7.98257368 7.95869371 7.93508112 7.91173022 7.88863613
8.85436406 8.82460839 8.79520459 8.76614647 8.73742660 8.70903949 8.68097793 8.65323576
9.63509483 9.59991574 9.56516664 9.53083975 9.49692588 9.46341808 9.43030744 9.39758626
10.39845359 10.35749151 10.31704631 10.27710843 10.23766660 10.19871224 10.16023449 10.12222392
11.14482686 11.09774121 11.05126829 11.00539642 10.96011206 10.91540476 10.87126146 10.82767078
11.87459260 11.82106112 11.76824724 11.71613695 11.66471414 11.61396624 11.56387775 11.51443508
12.58812034 12.52783842 12.46838811 12.40975281 12.35191354 12.29485536 12.23856006 12.18301160
13.28577139 13.21845144 13.15208635 13.08665661 13.02214008 12.95851920 12.89577275 12.83388201
13.96789902 13.89326988 13.81972811 13.74725100 13.67581297 13.60539352 13.53596817 13.46751523
14.63484865 14.55265495 14.47169047 14.39192895 14.31334107 14.23590308 14.15958695 14.08436775
15.28695800 15.19695962 15.10834165 15.02107396 14.93512311 14.85046186 14.76705831 14.68488398
15.92455727 15.82652879 15.73004124 15.63506027 15.54154802 15.44947341 15.35880036 15.26949657
16.54796934 16.44169947 16.33714036 16.23425312 16.13299508 16.03333103 15.93522037 15.83862669
17.15750989 17.04280096 16.92998192 16.81900894 16.70983424 16.60241809 16.49671508 16.39268436
17.75348756 17.63015501 17.50890073 17.38967559 17.27242628 17.15710826 17.04367096 16.93206877
18.33620414 18.20407605 18.07422378 17.94659253 17.82112309 17.69776576 17.57646445 17.45716849
18.90595471 18.76487129 18.62627036 18.49009104 18.35626786 18.22474558 18.09546227 17.96836185
19.46302778 19.31284092 19.16535227 19.02049443 18.87819531 18.73839376 18.60102164 18.46601712
20.00770542 19.84827828 19.69177396 19.53811822 19.38723189 19.23904755 19.09349050 18.95049284
20.54026346 20.37146997 20.20583278 20.04327032 19.88369598 19.72703569 19.57320782 19.42213805
21.06097156 20.88269605 20.70781905 20.53625123 20.36789810 20.20267861 20.04050378 19.88129253
21.57009339 21.38223020 21.19801630 21.01735419 20.84014112 20.66628860 20.49569999 20.32828710
22.06788677 21.87033981 21.67670138 21.48686540 21.30072040 21.11817008 20.93910977 20.76344377
22.55460376 22.34728616 22.14414467 21.94506415 21.74992402 21.55861977 21.37103829 21.18707606
23.03049082 22.81332455 22.60061016 22.39222300 22.18803294 21.98792687 21.79178285 21.59948917
23.49578892 23.26870447 23.04635568 22.82860796 22.61532119 22.40637326 22.20163303 22.00098023
23.95073369 23.71366967 23.48163297 23.25447860 23.03205602 22.81423370 22.60087091 22.39183848
24.39555550 24.14845834 23.90668789 23.67008826 23.43849809 23.21177600 22.98977130 22.77234551
24.83047959 24.57330322 24.32176049 24.07568418 23.83490161 23.59926119 23.36860184 23.14277546
25.25572618 24.98843174 24.72708522 24.47150762 24.22151452 23.97694369 23.73762330 23.50339521
25.67151063 25.39406610 25.12289100 24.85779404 24.59857864 24.34507150 24.09708964 23.85446456
26.07804347 25.79042344 25.50940137 25.23477323 24.96632981 24.70388633 24.44724829 24.19623643
26.47553055 26.17771594 25.88683465 25.60266943 25.32499804 25.05362378 24.78834024 24.52895706
26.86417316 26.55615090 26.25540400 25.96170150 25.67480767 25.39451350 25.12060027 24.85286616
27.24416809 26.92593091 26.61531759 26.31208301 26.01597749 25.72677932 25.44425706 25.16819707
27.61570777 27.28725390 26.96677869 26.65402239 26.34872090 26.05063940 25.75953338 25.47517698
27.97898032 27.64031330 27.30998582 26.98772303 26.67324602 26.36630640 26.06664621 25.77402704
28.33416970 27.98529809 27.64513282 27.31338345 26.98975582 26.67398759 26.36580694 26.06496258
28.68145578 28.32239294 27.97240897 27.63119738 27.29844828 26.97388499 26.65722147 26.34819318
29.02101439 28.65177830 28.29199912 27.94135385 27.59951647 27.26619552 26.94109038 26.62392291
29.35301750 28.97363048 28.60408378 28.24403738 27.89314870 27.55111111 27.21760904 26.89235040
29.67763321 29.28812179 28.90883921 28.53942801 28.17952863 27.82881885 27.48696778 27.15366905
29.99502591 29.59542055 29.20643753 28.82770146 28.45883537 28.09950108 27.74935199 27.40806711
30.30535631 29.89569126 29.49704683 29.10902922 28.73124363 28.36333553 28.00494226 27.65572788
30.60878156 30.18909467 29.78083124 29.38357864 28.99692380 28.62049543 28.25391450 27.89682978
30.90545529 30.47578783 30.05795104 29.65151303 29.25604203 28.87114965 28.49644008 28.13154650
31.19552775 30.75592420 30.32856275 29.91299177 29.50876041 29.11546277 28.73268593 28.36004715
31.47914581 31.02965375 30.59281922 30.16817041 29.75523701 29.35359519 28.96281464 28.58249635
31.75645309 31.29712299 30.85086968 30.41720075 29.99562597 29.58570329 29.18698460 28.79905437
32.02759002 31.55847510 31.10285990 30.66023092 30.23007767 29.81193947 29.40535011 29.00987721
32.29269388 31.81384999 31.34893219 30.89740550 30.45873875 30.03245228 29.61806146 29.21511677
32.55189892 32.06338436 31.58922553 31.12886556 30.68175221 30.24738650 29.82526505 29.41492091
35.24723053 34.64793443 34.06834306 33.50760570 32.96488972 32.43943882 31.93050216 31.43738315
37.30473551 36.60592692 35.93234115 35.28278496 34.65610264 34.05124208 33.46717166 32.90293544
38.87534994 38.08925458 37.33384344 36.60754563 35.90885291 35.23639160 34.58882830 33.96492981
40.07429221 39.21298767 38.38760453 37.59617302 36.83681604 36.10782512 35.40755581 34.73449091
40.98951528 40.06430063 39.17990608 38.33395467 37.52419612 36.74858509 36.00516717 35.29214387
39% 40% 41% 42% 43% 44% 45% 46%
2.7822% 2.8436% 2.9046% 2.9653% 3.0255% 3.0853% 3.1448% 3.2039%0.97293113 0.97235010 0.97177354 0.97120141 0.97063362 0.97007012 0.96951083 0.96895572
1.91952611 1.91781481 1.91611737 1.91443359 1.91276323 1.91110615 1.90946209 1.90783089
2.84049784 2.83713751 2.83380571 2.83050202 2.82722591 2.82397708 2.82075501 2.81755936
3.73653990 3.73104103 3.72559097 3.72018897 3.71483412 3.70952589 3.70426338 3.69904596
4.60832712 4.60022821 4.59220429 4.58425419 4.57637649 4.56857033 4.56083430 4.55316744
5.45651604 5.44538244 5.43435618 5.42343555 5.41261848 5.40190366 5.39128910 5.38077333
6.28174544 6.26716824 6.25273712 6.23844967 6.22430306 6.21029543 6.19642402 6.18268678
7.08463682 7.06623175 7.04801806 7.02999253 7.01215140 6.99449213 6.97701104 6.95970541
7.86579483 7.84320122 7.82085104 7.79874008 7.77686348 7.75521791 7.73379862 7.71260204
8.62580778 8.59868757 8.57186968 8.54534878 8.51911874 8.49317525 8.46751238 8.44212554
9.36524803 9.33328479 9.30168973 9.27045621 9.23957664 9.20904562 9.17885581 9.14900151
10.08467248 10.04757046 10.01090955 9.97468157 9.93887730 9.90349007 9.86851098 9.83393301
10.78462292 10.74210621 10.70011061 10.65862623 10.61764203 10.57714988 10.53713913 10.49760131
11.46562648 11.41743812 11.36985796 11.32287424 11.27647389 11.23064713 11.18538137 11.14066650
12.12819606 12.07409716 12.02070072 11.96799286 11.91595824 11.86458529 11.81385924 11.76376819
12.77283062 12.71259964 12.65317250 12.59453297 12.53666325 12.47954975 12.42317535 12.36752613
13.40001565 13.33344759 13.26779184 13.20302960 13.13914040 13.07610839 13.01391391 12.95254084
14.01022349 13.93712916 13.86506265 13.79400239 13.72392497 13.65481210 13.58664135 13.51939419
14.60391370 14.52411899 14.44547463 14.36795600 14.29153653 14.21619528 14.14190681 14.06864998
15.18153338 15.09487860 15.00950363 14.92538056 14.84247939 14.76077632 14.68024268 14.60085451
15.74351755 15.64985677 15.55761210 15.46675208 15.37724306 15.28905812 15.20216515 15.11653714
16.29028944 16.18948985 16.09024940 15.99253285 15.89630265 15.80152851 15.70817463 15.61621077
16.82226084 16.71420212 16.60785225 16.50317189 16.40011933 16.29866071 16.19875630 16.10037239
17.33983237 17.22440615 17.11084500 16.99910524 16.88914074 16.78091381 16.67438055 16.56950355
17.84339382 17.72050309 17.59964004 17.48075641 17.36380136 17.24873313 17.13550341 17.02407088
18.33332444 18.20288300 18.07463814 17.94853671 17.82452292 17.70255067 17.58256702 17.46452649
18.80999318 18.67192515 18.53622872 18.40284560 18.27171475 18.14278550 18.01600003 17.89130847
19.27375904 19.12799833 18.98479024 18.84407103 18.70577417 18.56984415 18.43621803 18.30484130
19.72497129 19.57146113 19.42069046 19.27258979 19.12708683 18.98412099 18.84362393 18.70553631
20.16396972 20.00266222 19.84428676 19.68876781 19.53602707 19.38599858 19.23860837 19.09379202
20.59108497 20.42194065 20.25592643 20.09296050 19.93295821 19.77584801 19.62155006 19.46999462
21.00663869 20.82962607 20.65594698 20.48551300 20.31823292 20.15402929 19.99281617 19.83451827
21.41094384 21.22603903 21.04467637 20.86676055 20.69219350 20.52089166 20.35276270 20.18772555
21.80430490 21.61149121 21.42243330 21.23702871 21.05517221 20.87677387 20.70173475 20.52996776
22.18701813 21.98628567 21.78952749 21.59663366 21.40749155 21.22200457 21.04006693 20.86158531
22.55937174 22.35071710 22.14625992 21.94588250 21.74946455 21.55690256 21.36808365 21.18290802
22.92164616 22.70507204 22.49292305 22.28507347 22.08139503 21.88177709 21.68609942 21.49425551
23.27411422 23.04962910 22.82980112 22.61449622 22.40357792 22.19692816 21.99441914 21.79593743
23.61704137 23.38465919 23.15717031 22.93443205 22.71629946 22.50264680 22.29333846 22.08825385
23.95068586 23.71042573 23.47529902 23.24515419 23.01983750 22.79921532 22.58314397 22.37149552
24.27529898 24.02718486 23.78444809 23.54692797 23.31446172 23.08690757 22.86411356 22.64594415
24.59112519 24.33518562 24.08487098 23.84001108 23.60043390 23.36598923 23.13651661 22.91187272
24.89840233 24.63467020 24.37681400 24.12465382 23.87800811 23.63671800 23.40061433 23.16954573
25.19736184 24.92587406 24.66051650 24.40109925 24.14743096 23.89934390 23.65665992 23.41921947
25.48822884 25.20902616 24.93621108 24.66958344 24.40894185 24.15410943 23.90489890 23.66114226
25.77122241 25.48434913 25.20412379 24.93033567 24.66277310 24.40124986 24.14556928 23.89555473
26.04655566 25.75205945 25.46447426 25.18357859 24.90915025 24.64099340 24.37890182 24.12269004
26.31443595 26.01236760 25.71747597 25.42952848 25.14829219 24.87356145 24.60512025 24.34277409
26.57506502 26.26547826 25.96333634 25.66839536 25.38041139 25.09916877 24.82444146 24.55602579
26.82863916 26.51159043 26.20225693 25.90038321 25.60571410 25.31802368 25.03707575 24.76265724
27.07534933 26.75089762 26.43443365 26.12569014 25.82440048 25.53032829 25.24322700 24.96287397
27.31538134 26.98358800 26.66005684 26.34450855 26.03666483 25.73627865 25.44309287 25.15687511
27.54891595 27.20984451 26.87931149 26.55702529 26.24269574 25.93606494 25.63686500 25.34485363
27.77612904 27.42984504 27.09237736 26.76342186 26.44267627 26.12987165 25.82472917 25.52699649
27.99719173 27.64376259 27.29942913 26.96387449 26.63678410 26.31787774 26.00686552 25.70348485
28.21227051 27.85176533 27.50063656 27.15855437 26.82519168 26.50025684 26.18344869 25.87449426
28.42152734 28.05401682 27.69616463 27.34762774 27.00806641 26.67717735 26.35464799 26.04019480
28.62511983 28.25067608 27.88617363 27.53125607 27.18557077 26.84880265 26.52062756 26.20075129
28.82320130 28.44189772 28.07081934 27.70959616 27.35786248 27.01529123 26.68154655 26.35632341
29.01592093 28.62783211 28.25025317 27.88280031 27.52509459 27.17679682 26.83755925 26.50706591
30.95943526 30.49602095 30.04654895 29.61045654 29.18719408 28.77626584 28.37717234 27.98945757
32.35764698 31.83044149 31.32051752 30.82711586 30.34950135 29.88700822 29.43897447 29.00479432
33.36355466 32.78359896 32.22404127 31.68391820 31.16230358 30.65835711 30.17125178 29.70023044
34.08722924 33.46442570 32.86483822 32.28730014 31.73069672 31.19401607 30.67627062 30.17655656
34.60785842 33.95073049 33.31930412 32.71221700 32.12817442 31.56600145 31.02455947 30.50280732
47% 48% 49% 50%
3.2626% 3.3210% 3.3790% 3.4366%0.96840470 0.96785773 0.96731475 0.96677571
1.90621237 1.90460633 1.90301259 1.90143098
2.81438972 2.81124570 2.80812690 2.80503299
3.69387295 3.68874363 3.68365734 3.67861347
4.54556863 4.53803679 4.53057085 4.52316985
5.37035474 5.36003175 5.34980277 5.33966645
6.16908149 6.15560592 6.14225791 6.12903552
6.94257222 6.92560854 6.90881145 6.89217837
7.69162429 7.67086153 7.65031000 7.62996633
8.41700983 8.39216040 8.36757249 8.34324182
9.11947660 9.09027509 9.06139107 9.03281923
9.79974873 9.76595080 9.73253203 9.69948592
10.45852745 10.41990875 10.38173657 10.34400308
11.09649186 11.05284702 11.00972171 10.96710662
11.71429960 11.66544121 11.61718100 11.56950798
12.31258752 12.25834525 12.20478533 12.15189499
12.89197236 12.83219200 12.77318367 12.71493260
13.45305135 13.38759402 13.32300377 13.25926368
13.99640289 13.92514416 13.85485286 13.78550975
14.52258708 14.44541622 14.36931834 14.29427167
15.03214632 14.94896556 14.86696838 14.78613033
15.52560588 15.43632968 15.34835261 15.26164733
16.00347445 15.90802882 15.81400268 15.72136563
16.46624461 16.36456647 16.26443286 16.16581010
16.91439341 16.80642998 16.70014062 16.59548823
17.34838282 17.23409098 17.12160716 17.01089060
17.76866020 17.64800600 17.52929797 17.41249152
18.17565879 18.04861685 17.92366330 17.80074954
18.56979814 18.43635116 18.30513871 18.17610796
18.95148455 18.81162281 18.67414549 18.53899536
19.32111145 19.17483238 19.03109120 18.88982609
19.67905989 19.52636757 19.37637005 19.22900071
20.02569883 19.86660362 19.71036338 19.55690650
20.36138562 20.19590372 20.03344005 19.87391785
20.68646628 20.51461936 20.34595688 20.18039672
21.00127592 20.82309077 20.64825902 20.47669305
21.30613906 21.12164720 20.94068034 20.76314514
21.60136995 21.41060735 21.22354380 21.04008007
21.88727294 21.69027967 21.49716180 21.30781402
22.16414274 21.96096269 21.76183652 21.56665271
22.43226475 22.22294534 22.01786029 21.81689167
22.69191537 22.47650728 22.26551586 22.05881661
22.94336225 22.72191916 22.50507674 22.29270377
23.18686459 22.95944295 22.73680752 22.51882019
23.42267341 23.18933218 22.96096412 22.73742406
23.65103177 23.41183225 23.17779410 22.94876497
23.87217508 23.62718067 23.38753695 23.15308422
24.08633131 23.83560731 23.59042430 23.35061512
24.29372120 24.03733463 23.78668022 23.54158318
24.49455855 24.23257799 23.97652147 23.72620647
24.68905038 24.42154578 24.16015772 23.90469579
24.87739719 24.60443972 24.33779176 24.07725492
25.05979312 24.78145503 24.50961980 24.24408089
25.23642620 24.95278067 24.67583159 24.40536420
25.40747850 25.11859952 24.83661071 24.56128897
25.57312636 25.27908857 24.99213473 24.71203326
25.73354052 25.43441914 25.14257540 24.85776918
25.88888635 25.58475703 25.28809889 24.99866312
26.03932398 25.73026273 25.42886590 25.13487596
26.18500849 25.87109154 25.56503191 25.26656323
27.61268007 27.24641878 26.89027194 26.54386202
28.58388525 28.17569398 27.77969481 27.39539458
29.24456906 28.80358266 28.37662292 27.96308297
29.69401384 29.22783178 28.77724582 28.34154191
29.99975859 29.51448661 29.04612025 28.59384788
TABLA D-9 FACTOR DE INTERES DE CUOTA MENSUAL ORDINARIA PARA UN VALOR FUTURO:
n = NRO DE CUOTAS (1 = 30d)i = TIEA (TASA DE INTERES EFECTIVA ANUAL)
CUOTA (1=30d) 1% 2% 3% 4% 5% 6%
0.0830% 0.1652% 0.2466% 0.3274% 0.4074% 0.4868%1 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
2 0.49979270 0.49958745 0.49938419 0.49918290 0.49898354 0.49878607
3 0.33305697 0.33278341 0.33251259 0.33224446 0.33197897 0.33171607
4 0.24968914 0.24938151 0.24907705 0.24877569 0.24847738 0.24818205
5 0.19966846 0.19934046 0.19901592 0.19869478 0.19837698 0.19806243
6 0.16632136 0.16597983 0.16564201 0.16530781 0.16497717 0.16465001
7 0.14250202 0.14215088 0.14180364 0.14146023 0.14112056 0.14078456
8 0.12463753 0.12427922 0.12392499 0.12357476 0.12322844 0.12288596
9 0.11074294 0.11037909 0.11001949 0.10966404 0.10931266 0.10896526
10 0.09962727 0.09925904 0.09889519 0.09853564 0.09818031 0.09782910
11 0.09053265 0.09016085 0.08979358 0.08943075 0.08907228 0.08871805
12 0.08295381 0.08257907 0.08220899 0.08184349 0.08148248 0.08112584
13 0.07654095 0.07616374 0.07579134 0.07542364 0.07506055 0.07470197
14 0.07104423 0.07066493 0.07029057 0.06992104 0.06955624 0.06919607
15 0.06628040 0.06589932 0.06552330 0.06515224 0.06478602 0.06442455
16 0.06211207 0.06172944 0.06135200 0.06097964 0.06061225 0.06024972
17 0.05843413 0.05805016 0.05767151 0.05729805 0.05692968 0.05656628
18 0.05516486 0.05477972 0.05440001 0.05402562 0.05365643 0.05329233
19 0.05223973 0.05185355 0.05147294 0.05109775 0.05072788 0.05036321
20 0.04960711 0.04922003 0.04883862 0.04846276 0.04809233 0.04772720
21 0.04722523 0.04683734 0.04645524 0.04607880 0.04570791 0.04534243
22 0.04505989 0.04467128 0.04428858 0.04391165 0.04354038 0.04317463
23 0.04308284 0.04269359 0.04231036 0.04193303 0.04156145 0.04119551
24 0.04127055 0.04088073 0.04049704 0.04011936 0.03974755 0.03938148
25 0.03960325 0.03921291 0.03882883 0.03845086 0.03807887 0.03771273
26 0.03806421 0.03767341 0.03728897 0.03691077 0.03653866 0.03617249
27 0.03663917 0.03624796 0.03586322 0.03548483 0.03511264 0.03474649
28 0.03531593 0.03492434 0.03453935 0.03416081 0.03378857 0.03342249
29 0.03408395 0.03369202 0.03330681 0.03292816 0.03255592 0.03218994
30 0.03293411 0.03254188 0.03215647 0.03177774 0.03140553 0.03103969
31 0.03185845 0.03146595 0.03108038 0.03070160 0.03032945 0.02996377
32 0.03085002 0.03045728 0.03007158 0.02969278 0.02932072 0.02895522
33 0.02990272 0.02950975 0.02912395 0.02874515 0.02837320 0.02800792
34 0.02901114 0.02861798 0.02823209 0.02785332 0.02748150 0.02711645
35 0.02817051 0.02777717 0.02739123 0.02701250 0.02664083 0.02627604
36 0.02737659 0.02698310 0.02659711 0.02621844 0.02584694 0.02548242
37 0.02662559 0.02623195 0.02584593 0.02546736 0.02509604 0.02473181
38 0.02591411 0.02552035 0.02513433 0.02475585 0.02438473 0.02402081
39 0.02523912 0.02484526 0.02445924 0.02408087 0.02370998 0.02334637
40 0.02459789 0.02420393 0.02381793 0.02343969 0.02306902 0.02270576
41 0.02398794 0.02359390 0.02320793 0.02282982 0.02245940 0.02209648
42 0.02340704 0.02301293 0.02262700 0.02224904 0.02187888 0.02151632
im -->>
43 0.02285315 0.02245899 0.02207311 0.02169532 0.02132542 0.02096323
44 0.02232445 0.02193024 0.02154442 0.02116680 0.02079718 0.02043536
45 0.02181925 0.02142500 0.02103926 0.02066182 0.02029248 0.01993105
46 0.02133601 0.02094173 0.02055607 0.02017883 0.01980979 0.01944875
47 0.02087334 0.02047904 0.02009348 0.01971643 0.01934769 0.01898705
48 0.02042995 0.02003564 0.01965017 0.01927333 0.01890490 0.01854468
49 0.02000467 0.01961035 0.01922498 0.01884835 0.01848024 0.01812044
50 0.01959639 0.01920208 0.01881682 0.01844041 0.01807263 0.01771325
51 0.01920413 0.01880982 0.01842469 0.01804850 0.01768105 0.01732210
52 0.01882696 0.01843266 0.01804766 0.01767170 0.01730458 0.01694607
53 0.01846402 0.01806975 0.01768487 0.01730916 0.01694238 0.01658431
54 0.01811452 0.01772028 0.01733554 0.01696007 0.01659364 0.01623602
55 0.01777774 0.01738353 0.01699893 0.01662371 0.01625763 0.01590046
56 0.01745299 0.01705881 0.01667436 0.01629939 0.01593367 0.01557696
57 0.01713963 0.01674550 0.01636120 0.01598649 0.01562113 0.01526487
58 0.01683708 0.01644299 0.01605885 0.01568440 0.01531941 0.01496362
59 0.01654479 0.01615075 0.01576677 0.01539259 0.01502796 0.01467264
60 0.01626225 0.01586826 0.01548444 0.01511053 0.01474628 0.01439143
72 0.01348401 0.01309091 0.01270930 0.01233888 0.01197935 0.01163041
84 0.01149974 0.01110787 0.01072880 0.01036217 0.01000766 0.00966493
96 0.01001172 0.00962127 0.00924493 0.00888230 0.00853299 0.00819663
108 0.00885452 0.00846563 0.00809215 0.00773364 0.00738965 0.00705975
120 0.00792890 0.00754166 0.00717113 0.00681682 0.00647823 0.00615485
FACTOR DE INTERES DE CUOTA MENSUAL ORDINARIA PARA UN VALOR FUTURO:CMFm=
redondeo = 87% 8% 9% 10% 11% 12% 13% 14%
0.5654% 0.6434% 0.7207% 0.7974% 0.8735% 0.9489% 1.0237% 1.0979%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
0.49859045 0.49839665 0.49820464 0.49801438 0.49782585 0.49763900 0.49745382 0.49727027
0.33145570 0.33119783 0.33094240 0.33068936 0.33043868 0.33019032 0.32994422 0.32970036
0.24788966 0.24760013 0.24731343 0.24702949 0.24674827 0.24646971 0.24619377 0.24592039
0.19775109 0.19744289 0.19713778 0.19683568 0.19653655 0.19624033 0.19594697 0.19565641
0.16432627 0.16400588 0.16368878 0.16337489 0.16306418 0.16275656 0.16245200 0.16215042
0.14045215 0.14012328 0.13979787 0.13947584 0.13915715 0.13884172 0.13852950 0.13822042
0.12254723 0.12221219 0.12188076 0.12155287 0.12122846 0.12090746 0.12058980 0.12027541
0.10862177 0.10828211 0.10794620 0.10761396 0.10728533 0.10696024 0.10663862 0.10632041
0.09748193 0.09713873 0.09679940 0.09646388 0.09613210 0.09580396 0.09547942 0.09515840
0.08836800 0.08802204 0.08768009 0.08734205 0.08700787 0.08667746 0.08635074 0.08602766
0.08077350 0.08042538 0.08008137 0.07974140 0.07940540 0.07907328 0.07874496 0.07842037
0.07434780 0.07399796 0.07365235 0.07331090 0.07297352 0.07264012 0.07231063 0.07198497
0.06884043 0.06848923 0.06814238 0.06779979 0.06746137 0.06712705 0.06679673 0.06647034
0.06406773 0.06371546 0.06336765 0.06302420 0.06268503 0.06235005 0.06201917 0.06169232
0.05989195 0.05953884 0.05919030 0.05884622 0.05850652 0.05817110 0.05783989 0.05751280
0.05620775 0.05585399 0.05550490 0.05516038 0.05482034 0.05448467 0.05415331 0.05382615
0.05293320 0.05257896 0.05222948 0.05188467 0.05154443 0.05120868 0.05087731 0.05055025
0.05000362 0.04964902 0.04929928 0.04895432 0.04861403 0.04827831 0.04794707 0.04762022
0.04736727 0.04701242 0.04666254 0.04631753 0.04597729 0.04564172 0.04531071 0.04498419
0.04498224 0.04462725 0.04427733 0.04393237 0.04359228 0.04325694 0.04292626 0.04260015
0.04281428 0.04245923 0.04210934 0.04176452 0.04142465 0.04108964 0.04075937 0.04043375
0.04083507 0.04048003 0.04013025 0.03978564 0.03944607 0.03911144 0.03878165 0.03845660
0.03902102 0.03866605 0.03831645 0.03797210 0.03763289 0.03729872 0.03696947 0.03664503
0.03735230 0.03699746 0.03664809 0.03630406 0.03596527 0.03563160 0.03530294 0.03497919
0.03581214 0.03545749 0.03510839 0.03476474 0.03442642 0.03409330 0.03376528 0.03344225
0.03438627 0.03403184 0.03368307 0.03333983 0.03300202 0.03266949 0.03234216 0.03201989
0.03306244 0.03270827 0.03235986 0.03201708 0.03167981 0.03134792 0.03102130 0.03069984
0.03183008 0.03147622 0.03112821 0.03078592 0.03044922 0.03011800 0.02979213 0.02947150
0.03068007 0.03032653 0.02997895 0.02963718 0.02930109 0.02897057 0.02864548 0.02832572
0.02960441 0.02925124 0.02890411 0.02856289 0.02822744 0.02789764 0.02757337 0.02725449
0.02859615 0.02824337 0.02789672 0.02755607 0.02722129 0.02689224 0.02656880 0.02625083
0.02764916 0.02729679 0.02695065 0.02661059 0.02627649 0.02594822 0.02562563 0.02530860
0.02675803 0.02640609 0.02606047 0.02572104 0.02538765 0.02506016 0.02473845 0.02442238
0.02591797 0.02556648 0.02522141 0.02488261 0.02454995 0.02422327 0.02390245 0.02358736
0.02512473 0.02477371 0.02442920 0.02409106 0.02375913 0.02343329 0.02311338 0.02279927
0.02437451 0.02402398 0.02368005 0.02334257 0.02301141 0.02268640 0.02236742 0.02205432
0.02366392 0.02331388 0.02297055 0.02263376 0.02230337 0.02197922 0.02166117 0.02134909
0.02298990 0.02264038 0.02229765 0.02196156 0.02163195 0.02130868 0.02099158 0.02068053
0.02234971 0.02200072 0.02165862 0.02132324 0.02099443 0.02067203 0.02035590 0.02004589
0.02174088 0.02139243 0.02105096 0.02071630 0.02038830 0.02006680 0.01975164 0.01944269
0.02116117 0.02081327 0.02047245 0.02013852 0.01981134 0.01949074 0.01917657 0.01886867
TIEm = im
0.02060855 0.02026121 0.01992104 0.01958785 0.01926150 0.01894181 0.01862863 0.01832181
0.02008116 0.01973439 0.01939488 0.01906245 0.01873694 0.01841817 0.01810600 0.01780025
0.01957733 0.01923115 0.01889231 0.01856064 0.01823597 0.01791813 0.01760697 0.01730231
0.01909552 0.01874993 0.01841177 0.01808087 0.01775705 0.01744015 0.01713000 0.01682644
0.01863433 0.01828933 0.01795186 0.01762173 0.01729878 0.01698282 0.01667369 0.01637123
0.01819246 0.01784806 0.01751129 0.01718194 0.01685986 0.01654485 0.01623675 0.01593540
0.01776874 0.01742495 0.01708887 0.01676032 0.01643911 0.01612506 0.01581800 0.01551775
0.01736207 0.01701890 0.01668353 0.01635577 0.01603544 0.01572235 0.01541633 0.01511719
0.01697145 0.01662890 0.01629424 0.01596729 0.01564784 0.01533572 0.01503074 0.01473273
0.01659596 0.01625403 0.01592010 0.01559395 0.01527539 0.01496424 0.01466031 0.01436342
0.01623473 0.01589344 0.01556023 0.01523489 0.01491723 0.01460705 0.01430418 0.01400842
0.01588698 0.01554633 0.01521385 0.01488932 0.01457256 0.01426336 0.01396155 0.01366692
0.01555198 0.01521197 0.01488022 0.01455651 0.01424065 0.01393244 0.01363168 0.01333819
0.01522903 0.01488967 0.01455865 0.01423577 0.01392082 0.01361359 0.01331390 0.01302154
0.01491750 0.01457879 0.01424852 0.01392646 0.01361242 0.01330619 0.01300756 0.01271634
0.01461681 0.01427876 0.01394923 0.01362800 0.01331487 0.01300963 0.01271208 0.01242200
0.01432640 0.01398900 0.01366022 0.01333983 0.01302762 0.01272338 0.01242689 0.01213796
0.01404576 0.01370902 0.01338099 0.01306144 0.01275015 0.01244690 0.01215149 0.01186371
0.01129179 0.01096322 0.01064440 0.01033507 0.01003498 0.00974386 0.00946146 0.00918753
0.00933364 0.00901347 0.00870409 0.00840518 0.00811645 0.00783757 0.00756824 0.00730818
0.00787281 0.00756117 0.00726133 0.00697291 0.00669555 0.00642888 0.00617256 0.00592623
0.00674349 0.00644044 0.00615015 0.00587220 0.00560615 0.00535159 0.00510810 0.00487527
0.00584618 0.00555172 0.00527096 0.00500341 0.00474856 0.00450593 0.00427503 0.00405540
15% 16% 17% 18% 19% 20% 21%
1.1715% 1.2445% 1.3170% 1.3888% 1.4602% 1.5309% 1.6012%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
0.49708833 0.49690796 0.49672914 0.49655184 0.49637604 0.49620171 0.49602883
0.32945868 0.32921916 0.32898175 0.32874642 0.32851314 0.32828186 0.32805256
0.24564954 0.24538117 0.24511524 0.24485170 0.24459051 0.24433163 0.24407503
0.19536861 0.19508351 0.19480107 0.19452125 0.19424398 0.19396924 0.19369698
0.16185177 0.16155601 0.16126308 0.16097293 0.16068551 0.16040078 0.16011868
0.13791442 0.13761146 0.13731147 0.13701440 0.13672021 0.13642883 0.13614022
0.11996425 0.11965625 0.11935135 0.11904950 0.11875064 0.11845471 0.11816168
0.10600553 0.10569393 0.10538556 0.10508034 0.10477822 0.10447915 0.10418307
0.09484082 0.09452664 0.09421579 0.09390819 0.09360380 0.09330256 0.09300441
0.08570813 0.08539210 0.08507949 0.08477025 0.08446430 0.08416160 0.08386208
0.07809944 0.07778211 0.07746830 0.07715795 0.07685098 0.07654735 0.07624699
0.07166307 0.07134486 0.07103027 0.07071922 0.07041165 0.07010750 0.06980670
0.06614780 0.06582904 0.06551400 0.06520258 0.06489473 0.06459039 0.06428947
0.06136941 0.06105038 0.06073514 0.06042362 0.06011575 0.05981146 0.05951068
0.05718974 0.05687064 0.05655542 0.05624401 0.05593633 0.05563231 0.05533188
0.05350312 0.05318414 0.05286912 0.05255799 0.05225067 0.05194709 0.05164718
0.05022739 0.04990867 0.04959400 0.04928329 0.04897648 0.04867348 0.04837422
0.04729766 0.04697933 0.04666512 0.04635497 0.04604878 0.04574648 0.04544800
0.04466204 0.04434420 0.04403057 0.04372106 0.04341560 0.04311411 0.04281651
0.04227851 0.04196125 0.04164828 0.04133951 0.04103487 0.04073427 0.04043763
0.04011269 0.03979609 0.03948386 0.03917591 0.03887216 0.03857252 0.03827691
0.03813618 0.03782031 0.03750888 0.03720182 0.03689902 0.03660042 0.03630591
0.03632532 0.03601024 0.03569968 0.03539355 0.03509177 0.03479425 0.03450090
0.03466024 0.03434599 0.03403635 0.03373121 0.03343050 0.03313411 0.03284196
0.03312410 0.03281074 0.03250206 0.03219796 0.03189835 0.03160314 0.03131224
0.03170259 0.03139015 0.03108247 0.03077944 0.03048098 0.03018699 0.02989737
0.03038342 0.03007194 0.02976529 0.02946338 0.02916610 0.02887335 0.02858505
0.02915600 0.02884551 0.02853993 0.02823916 0.02794309 0.02765163 0.02736467
0.02801116 0.02770169 0.02739721 0.02709760 0.02680277 0.02651262 0.02622704
0.02694090 0.02663248 0.02632912 0.02603071 0.02573714 0.02544831 0.02516413
0.02593824 0.02563089 0.02532867 0.02503147 0.02473919 0.02445172 0.02416895
0.02499702 0.02469076 0.02438971 0.02409375 0.02380277 0.02351667 0.02323533
0.02411183 0.02380668 0.02350681 0.02321210 0.02292244 0.02263773 0.02235785
0.02327786 0.02297383 0.02267516 0.02238173 0.02209341 0.02181010 0.02153169
0.02249084 0.02218796 0.02189050 0.02159835 0.02131138 0.02102949 0.02075256
0.02174697 0.02144524 0.02114902 0.02085816 0.02057256 0.02029210 0.02001666
0.02104284 0.02074228 0.02044729 0.02015775 0.01987352 0.01959450 0.01932057
0.02037538 0.02007601 0.01978227 0.01949405 0.01921121 0.01893364 0.01866122
0.01974186 0.01944368 0.01915121 0.01886431 0.01858287 0.01830676 0.01803586
0.01913979 0.01884280 0.01855160 0.01826605 0.01798601 0.01771137 0.01744200
0.01856691 0.01827114 0.01798122 0.01769701 0.01741839 0.01714522 0.01687739
(1+i)^(30/360) -1)
im/((1+im)^n -1)
0.01802119 0.01772664 0.01743801 0.01715516 0.01687796 0.01660627 0.01633998
0.01750079 0.01720746 0.01692012 0.01663864 0.01636286 0.01609266 0.01582792
0.01700400 0.01671191 0.01642587 0.01614575 0.01587141 0.01560271 0.01533951
0.01652930 0.01623844 0.01595372 0.01567497 0.01540206 0.01513485 0.01487321
0.01607527 0.01578566 0.01550224 0.01522487 0.01495340 0.01468770 0.01442762
0.01564061 0.01535225 0.01507015 0.01479416 0.01452414 0.01425994 0.01400142
0.01522415 0.01493704 0.01465626 0.01438166 0.01411308 0.01385039 0.01359344
0.01482478 0.01453893 0.01425948 0.01398627 0.01371914 0.01345796 0.01320257
0.01444151 0.01415692 0.01387880 0.01360698 0.01334130 0.01308163 0.01282781
0.01407340 0.01379007 0.01351328 0.01324286 0.01297864 0.01272049 0.01246823
0.01371959 0.01343754 0.01316208 0.01289305 0.01263029 0.01237365 0.01212297
0.01337930 0.01309851 0.01282439 0.01255676 0.01229546 0.01204034 0.01179122
0.01305177 0.01277226 0.01249948 0.01223325 0.01197341 0.01171980 0.01147226
0.01273634 0.01245810 0.01218666 0.01192183 0.01166346 0.01141136 0.01116539
0.01243235 0.01215539 0.01188529 0.01162187 0.01136495 0.01111438 0.01086997
0.01213922 0.01186354 0.01159479 0.01133277 0.01107731 0.01082825 0.01058542
0.01185640 0.01158200 0.01131459 0.01105397 0.01079998 0.01055244 0.01031117
0.01158336 0.01131025 0.01104418 0.01078497 0.01053244 0.01028641 0.01004671
0.00892184 0.00866414 0.00841420 0.00817181 0.00793673 0.00770876 0.00748768
0.00705709 0.00681470 0.00658072 0.00635488 0.00613693 0.00592660 0.00572364
0.00568955 0.00546219 0.00524382 0.00503412 0.00483278 0.00463949 0.00445396
0.00465270 0.00444000 0.00423678 0.00404268 0.00385732 0.00368036 0.00351144
0.00384656 0.00364806 0.00345947 0.00328034 0.00311026 0.00294882 0.00279561
22% 23% 24% 25% 26% 27% 28%
1.6709% 1.7401% 1.8088% 1.8769% 1.9446% 2.0118% 2.0785%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
0.49585737 0.49568731 0.49551863 0.49535131 0.49518532 0.49502065 0.49485726
0.32782521 0.32759976 0.32737619 0.32715447 0.32693456 0.32671645 0.32650010
0.24382066 0.24356848 0.24331847 0.24307058 0.24282479 0.24258105 0.24233933
0.19342716 0.19315972 0.19289464 0.19263188 0.19237139 0.19211315 0.19185711
0.15983917 0.15956221 0.15928776 0.15901576 0.15874619 0.15847901 0.15821416
0.13585434 0.13557113 0.13529055 0.13501255 0.13473710 0.13446415 0.13419364
0.11787148 0.11758407 0.11729939 0.11701740 0.11673807 0.11646133 0.11618715
0.10388993 0.10359967 0.10331226 0.10302762 0.10274574 0.10246654 0.10218999
0.09270929 0.09241715 0.09212794 0.09184160 0.09155810 0.09127737 0.09099937
0.08356568 0.08327235 0.08298203 0.08269467 0.08241023 0.08212864 0.08184986
0.07594984 0.07565583 0.07536493 0.07507706 0.07479218 0.07451024 0.07423117
0.06950920 0.06921492 0.06892382 0.06863584 0.06835092 0.06806900 0.06779004
0.06399193 0.06369770 0.06340672 0.06311892 0.06283426 0.06255268 0.06227412
0.05921336 0.05891942 0.05862880 0.05834145 0.05805730 0.05777629 0.05749838
0.05503498 0.05474153 0.05445148 0.05416476 0.05388132 0.05360109 0.05332401
0.05135086 0.05105808 0.05076876 0.05048284 0.05020027 0.04992097 0.04964489
0.04807864 0.04778666 0.04749821 0.04721323 0.04693165 0.04665342 0.04637847
0.04515327 0.04486220 0.04457474 0.04429081 0.04401035 0.04373330 0.04345958
0.04252272 0.04223267 0.04194629 0.04166351 0.04138426 0.04110848 0.04083610
0.04014487 0.03985592 0.03957071 0.03928915 0.03901120 0.03873677 0.03846580
0.03798526 0.03769748 0.03741351 0.03713326 0.03685666 0.03658366 0.03631417
0.03601543 0.03572888 0.03544621 0.03516731 0.03489214 0.03462062 0.03435267
0.03421164 0.03392638 0.03364506 0.03336758 0.03309388 0.03282389 0.03255753
0.03255397 0.03227005 0.03199012 0.03171411 0.03144193 0.03117352 0.03090879
0.03102556 0.03074302 0.03046453 0.03019001 0.02991939 0.02965260 0.02938954
0.02961204 0.02933091 0.02905390 0.02878092 0.02851189 0.02824675 0.02798539
0.02830111 0.02802142 0.02774592 0.02747450 0.02720710 0.02694363 0.02668401
0.02708214 0.02680393 0.02652996 0.02626013 0.02599438 0.02573262 0.02547475
0.02594594 0.02566923 0.02539681 0.02512861 0.02486453 0.02460449 0.02434841
0.02488449 0.02460930 0.02433847 0.02407190 0.02380952 0.02355123 0.02329695
0.02389079 0.02361714 0.02334791 0.02308300 0.02282233 0.02256580 0.02231334
0.02295868 0.02268659 0.02241897 0.02215573 0.02189679 0.02164204 0.02139141
0.02208271 0.02181219 0.02154621 0.02128466 0.02102745 0.02077450 0.02052571
0.02125807 0.02098914 0.02072480 0.02046496 0.02020951 0.01995836 0.01971143
0.02048049 0.02021316 0.01995048 0.01969234 0.01943866 0.01918933 0.01894426
0.01974614 0.01948042 0.01921941 0.01896299 0.01871108 0.01846358 0.01822038
0.01905161 0.01878752 0.01852818 0.01827349 0.01802336 0.01777769 0.01753637
0.01839384 0.01813137 0.01787372 0.01762077 0.01737243 0.01712860 0.01688916
0.01777006 0.01750923 0.01725327 0.01700207 0.01675552 0.01651353 0.01627598
0.01717779 0.01691860 0.01666434 0.01641488 0.01617014 0.01592999 0.01569434
0.01661477 0.01635723 0.01610467 0.01585697 0.01561403 0.01537573 0.01514197
0.01607895 0.01582307 0.01557222 0.01532628 0.01508514 0.01484870 0.01461684
0.01556850 0.01531427 0.01506513 0.01482095 0.01458162 0.01434703 0.01411707
0.01508170 0.01482914 0.01458171 0.01433929 0.01410177 0.01386904 0.01364098
0.01461701 0.01436612 0.01412040 0.01387975 0.01364405 0.01341317 0.01318700
0.01417303 0.01392380 0.01367981 0.01344092 0.01320702 0.01297800 0.01275374
0.01374845 0.01350089 0.01325861 0.01302149 0.01278941 0.01256225 0.01233988
0.01334208 0.01309619 0.01285564 0.01262029 0.01239002 0.01216470 0.01194423
0.01295284 0.01270862 0.01246978 0.01223620 0.01200774 0.01178428 0.01156570
0.01257970 0.01233715 0.01210004 0.01186822 0.01164157 0.01141996 0.01120327
0.01222174 0.01198087 0.01174547 0.01151541 0.01129057 0.01107081 0.01085600
0.01187810 0.01163890 0.01140522 0.01117692 0.01095389 0.01073597 0.01052305
0.01154798 0.01131044 0.01107848 0.01085195 0.01063071 0.01041464 0.01020359
0.01123063 0.01099477 0.01076452 0.01053975 0.01032031 0.01010608 0.00989691
0.01092538 0.01069119 0.01046265 0.01023964 0.01002200 0.00980959 0.00960229
0.01063159 0.01039906 0.01017223 0.00995097 0.00973512 0.00952455 0.00931911
0.01034865 0.01011778 0.00989267 0.00967315 0.00945909 0.00925035 0.00904677
0.01007602 0.00984681 0.00962340 0.00940563 0.00919336 0.00898643 0.00878471
0.00981317 0.00958563 0.00936392 0.00914789 0.00893740 0.00873229 0.00853241
0.00727329 0.00706540 0.00686380 0.00666831 0.00647874 0.00629492 0.00611667
0.00552781 0.00533887 0.00515659 0.00498074 0.00481110 0.00464747 0.00448963
0.00427590 0.00410503 0.00394107 0.00378377 0.00363287 0.00348811 0.00334926
0.00335023 0.00319642 0.00304967 0.00290970 0.00277620 0.00264890 0.00252752
0.00265027 0.00251241 0.00238169 0.00225776 0.00214029 0.00202895 0.00192346
29% 30% 31% 32% 33% 34% 35% 36%
2.1447% 2.2104% 2.2757% 2.3406% 2.4050% 2.4689% 2.5324% 2.5955%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
0.49469515 0.49453430 0.49437467 0.49421626 0.49405905 0.49390302 0.49374815 0.49359442
0.32628548 0.32607257 0.32586134 0.32565176 0.32544381 0.32523747 0.32503270 0.32482950
0.24209960 0.24186184 0.24162600 0.24139206 0.24116000 0.24092977 0.24070136 0.24047473
0.19160324 0.19135149 0.19110185 0.19085428 0.19060874 0.19036520 0.19012364 0.18988402
0.15795162 0.15769134 0.15743329 0.15717744 0.15692375 0.15667219 0.15642272 0.15617532
0.13392557 0.13365986 0.13339649 0.13313543 0.13287663 0.13262006 0.13236568 0.13211347
0.11591549 0.11564629 0.11537954 0.11511517 0.11485316 0.11459347 0.11433606 0.11408090
0.10191605 0.10164467 0.10137580 0.10110941 0.10084546 0.10058390 0.10032470 0.10006783
0.09072406 0.09045139 0.09018131 0.08991379 0.08964877 0.08938623 0.08912611 0.08886839
0.08157384 0.08130054 0.08102990 0.08076189 0.08049646 0.08023357 0.07997317 0.07971523
0.07395495 0.07368150 0.07341080 0.07314278 0.07287742 0.07261465 0.07235445 0.07209676
0.06751399 0.06724078 0.06697038 0.06670274 0.06643780 0.06617553 0.06591588 0.06565881
0.06199854 0.06172587 0.06145607 0.06118908 0.06092487 0.06066339 0.06040457 0.06014840
0.05722350 0.05695160 0.05668263 0.05641654 0.05615328 0.05589280 0.05563506 0.05538000
0.05305003 0.05277909 0.05251114 0.05224614 0.05198401 0.05172473 0.05146823 0.05121448
0.04937197 0.04910215 0.04883538 0.04857161 0.04831077 0.04805284 0.04779774 0.04754543
0.04610674 0.04583817 0.04557270 0.04531029 0.04505088 0.04479441 0.04454083 0.04429010
0.04318915 0.04292194 0.04265789 0.04239695 0.04213905 0.04188416 0.04163220 0.04138314
0.04056706 0.04030129 0.04003874 0.03977936 0.03952307 0.03926984 0.03901959 0.03877230
0.03819823 0.03793399 0.03767303 0.03741527 0.03716067 0.03690917 0.03666071 0.03641524
0.03604814 0.03578549 0.03552617 0.03527011 0.03501726 0.03476756 0.03452094 0.03427736
0.03408823 0.03382723 0.03356961 0.03331531 0.03306426 0.03281641 0.03257169 0.03233005
0.03229474 0.03203544 0.03177956 0.03152706 0.03127786 0.03103190 0.03078913 0.03054948
0.03064768 0.03039012 0.03013604 0.02988538 0.02963806 0.02939404 0.02915324 0.02891562
0.02913016 0.02887437 0.02862212 0.02837333 0.02812794 0.02788589 0.02764711 0.02741154
0.02772777 0.02747379 0.02722339 0.02697651 0.02673308 0.02649302 0.02625628 0.02602280
0.02642817 0.02617603 0.02592752 0.02568257 0.02544111 0.02520308 0.02496840 0.02473702
0.02522072 0.02497044 0.02472384 0.02448085 0.02424139 0.02400540 0.02377281 0.02354356
0.02409621 0.02384781 0.02360314 0.02336212 0.02312468 0.02289075 0.02266026 0.02243315
0.02304660 0.02280009 0.02255737 0.02231834 0.02208293 0.02185108 0.02162271 0.02139776
0.02206485 0.02182027 0.02157950 0.02134247 0.02110911 0.02087935 0.02065311 0.02043033
0.02114481 0.02090214 0.02066335 0.02042834 0.02019704 0.01996938 0.01974528 0.01952467
0.02028100 0.02004028 0.01980347 0.01957049 0.01934126 0.01911571 0.01889375 0.01867533
0.01946862 0.01922984 0.01899502 0.01876408 0.01853693 0.01831349 0.01809369 0.01787746
0.01870336 0.01846654 0.01823372 0.01800482 0.01777975 0.01755843 0.01734079 0.01712675
0.01798140 0.01774655 0.01751573 0.01728888 0.01706589 0.01684670 0.01663122 0.01641938
0.01729932 0.01706643 0.01683763 0.01661283 0.01639193 0.01617487 0.01596155 0.01575190
0.01665404 0.01642312 0.01619634 0.01597359 0.01575479 0.01553985 0.01532870 0.01512125
0.01604279 0.01581385 0.01558909 0.01536839 0.01515168 0.01493888 0.01472988 0.01452463
0.01546308 0.01523613 0.01501338 0.01479474 0.01458012 0.01436945 0.01416262 0.01395956
0.01491266 0.01468768 0.01446695 0.01425037 0.01403785 0.01382930 0.01362463 0.01342375
0.01438946 0.01416647 0.01394775 0.01373323 0.01352280 0.01331637 0.01311386 0.01291517
0.01389164 0.01367062 0.01345393 0.01324146 0.01303311 0.01282881 0.01262845 0.01243194
0.01341748 0.01319844 0.01298377 0.01277335 0.01256709 0.01236491 0.01216669 0.01197236
0.01296545 0.01274839 0.01253573 0.01232736 0.01212318 0.01192311 0.01172703 0.01153488
0.01253412 0.01231904 0.01210838 0.01190206 0.01169996 0.01150200 0.01130806 0.01111806
0.01212219 0.01190908 0.01170044 0.01149616 0.01129613 0.01110027 0.01090846 0.01072062
0.01172848 0.01151734 0.01131070 0.01110845 0.01091049 0.01071672 0.01052704 0.01034135
0.01135188 0.01114270 0.01093806 0.01073784 0.01054195 0.01035026 0.01016269 0.00997914
0.01099137 0.01078416 0.01058151 0.01038332 0.01018948 0.00999988 0.00981441 0.00963299
0.01064603 0.01044078 0.01024012 0.01004395 0.00985215 0.00966462 0.00948126 0.00930195
0.01031499 0.01011169 0.00991301 0.00971885 0.00952910 0.00934363 0.00916236 0.00898517
0.00999746 0.00979610 0.00959940 0.00940724 0.00921952 0.00903611 0.00885691 0.00868182
0.00969268 0.00949326 0.00929853 0.00910837 0.00892267 0.00874131 0.00856418 0.00839118
0.00939996 0.00920248 0.00900971 0.00882155 0.00863786 0.00845854 0.00828347 0.00811255
0.00911868 0.00892312 0.00873231 0.00854613 0.00836445 0.00818716 0.00801413 0.00784528
0.00884823 0.00865459 0.00846573 0.00828152 0.00810183 0.00792656 0.00775558 0.00758878
0.00858805 0.00839633 0.00820941 0.00802716 0.00784946 0.00767620 0.00750724 0.00734248
0.00833763 0.00814781 0.00796282 0.00778253 0.00760681 0.00743554 0.00726860 0.00710588
0.00594382 0.00577621 0.00561367 0.00545606 0.00530321 0.00515499 0.00501125 0.00487184
0.00433738 0.00419054 0.00404890 0.00391229 0.00378053 0.00365345 0.00353089 0.00341267
0.00321609 0.00308838 0.00296589 0.00284843 0.00273580 0.00262779 0.00252423 0.00242492
0.00241179 0.00230147 0.00219630 0.00209606 0.00200053 0.00190947 0.00182269 0.00174000
0.00182351 0.00172882 0.00163913 0.00155419 0.00147374 0.00139755 0.00132541 0.00125710
37% 38% 39% 40% 41% 42% 43%
2.6581% 2.7204% 2.7822% 2.8436% 2.9046% 2.9653% 3.0255%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
0.49344182 0.49329033 0.49313994 0.49299062 0.49284237 0.49269517 0.49254900
0.32462782 0.32442766 0.32422898 0.32403177 0.32383601 0.32364168 0.32344875
0.24024986 0.24002672 0.23980530 0.23958555 0.23936746 0.23915101 0.23893616
0.18964631 0.18941048 0.18917650 0.18894436 0.18871402 0.18848545 0.18825863
0.15592994 0.15568655 0.15544514 0.15520567 0.15496811 0.15473243 0.15449860
0.13186338 0.13161538 0.13136944 0.13112554 0.13088363 0.13064370 0.13040570
0.11382794 0.11357716 0.11332852 0.11308198 0.11283753 0.11259512 0.11235472
0.09981323 0.09956088 0.09931075 0.09906280 0.09881699 0.09857330 0.09833168
0.08861302 0.08835997 0.08810919 0.08786066 0.08761433 0.08737018 0.08712817
0.07945971 0.07920656 0.07895576 0.07870725 0.07846102 0.07821702 0.07797521
0.07184156 0.07158878 0.07133840 0.07109039 0.07084469 0.07060129 0.07036013
0.06540428 0.06515223 0.06490263 0.06465545 0.06441065 0.06416818 0.06392801
0.05989481 0.05964377 0.05939523 0.05914916 0.05890552 0.05866426 0.05842534
0.05512759 0.05487777 0.05463051 0.05438577 0.05414350 0.05390366 0.05366621
0.05096342 0.05071501 0.05046920 0.05022596 0.04998523 0.04974699 0.04951118
0.04729587 0.04704901 0.04680480 0.04656320 0.04632416 0.04608765 0.04585362
0.04404216 0.04379696 0.04355447 0.04331463 0.04307740 0.04284274 0.04261059
0.04113692 0.04089350 0.04065282 0.04041483 0.04017950 0.03994678 0.03971662
0.03852788 0.03828630 0.03804752 0.03781147 0.03757813 0.03734743 0.03711933
0.03617270 0.03593305 0.03569623 0.03546219 0.03523089 0.03500228 0.03477630
0.03403676 0.03379908 0.03356428 0.03333231 0.03310311 0.03287664 0.03265285
0.03209144 0.03185579 0.03162306 0.03139320 0.03116615 0.03094187 0.03072031
0.03031289 0.03007932 0.02984870 0.02962099 0.02939614 0.02917409 0.02895478
0.02868110 0.02844964 0.02822117 0.02799565 0.02777301 0.02755322 0.02733622
0.02717912 0.02694979 0.02672350 0.02650019 0.02627981 0.02606231 0.02584762
0.02579250 0.02556534 0.02534125 0.02512018 0.02490208 0.02468688 0.02447454
0.02450888 0.02428390 0.02406203 0.02384323 0.02362741 0.02341455 0.02320457
0.02331758 0.02309480 0.02287518 0.02265865 0.02244515 0.02223462 0.02202702
0.02220935 0.02198880 0.02177143 0.02155719 0.02134601 0.02113784 0.02093262
0.02117615 0.02095783 0.02074273 0.02053078 0.02032194 0.02011613 0.01991331
0.02021093 0.01999484 0.01978202 0.01957238 0.01936588 0.01916244 0.01896202
0.01930749 0.01909365 0.01888311 0.01867579 0.01847163 0.01827057 0.01807254
0.01846036 0.01824878 0.01804052 0.01783552 0.01763371 0.01743503 0.01723941
0.01766471 0.01745539 0.01724942 0.01704674 0.01684728 0.01665097 0.01645776
0.01691624 0.01670917 0.01650550 0.01630513 0.01610802 0.01591409 0.01572328
0.01621109 0.01600629 0.01580490 0.01560686 0.01541210 0.01522055 0.01503213
0.01554585 0.01534330 0.01514421 0.01494849 0.01475607 0.01456688 0.01438087
0.01491742 0.01471713 0.01452033 0.01432692 0.01413684 0.01395002 0.01376639
0.01432303 0.01412500 0.01393048 0.01373938 0.01355164 0.01336718 0.01318593
0.01376018 0.01356440 0.01337216 0.01318336 0.01299795 0.01281584 0.01263697
0.01322660 0.01303307 0.01284310 0.01265660 0.01247351 0.01229375 0.01211724
0.01272023 0.01252894 0.01234124 0.01215704 0.01197626 0.01179883 0.01162468
0.01223921 0.01205016 0.01186471 0.01168279 0.01150432 0.01132922 0.01115741
0.01178183 0.01159501 0.01141182 0.01123217 0.01105599 0.01088321 0.01071373
0.01134654 0.01116194 0.01098099 0.01080361 0.01062972 0.01045923 0.01029208
0.01093192 0.01074953 0.01057081 0.01039569 0.01022407 0.01005588 0.00989103
0.01053665 0.01035646 0.01017997 0.01000709 0.00983773 0.00967182 0.00950927
0.01015955 0.00998156 0.00980728 0.00963663 0.00946952 0.00930588 0.00914560
0.00979951 0.00962370 0.00945162 0.00928319 0.00911832 0.00895693 0.00879892
0.00945551 0.00928187 0.00911198 0.00894576 0.00878312 0.00862396 0.00846821
0.00912661 0.00895513 0.00878743 0.00862340 0.00846297 0.00830603 0.00815252
0.00881196 0.00864263 0.00847709 0.00831524 0.00815700 0.00800228 0.00785098
0.00851073 0.00834354 0.00818016 0.00802048 0.00786442 0.00771189 0.00756279
0.00822220 0.00805713 0.00789589 0.00773837 0.00758447 0.00743412 0.00728721
0.00794566 0.00778271 0.00762359 0.00746821 0.00731646 0.00716827 0.00702353
0.00768048 0.00751962 0.00736262 0.00720936 0.00705975 0.00691370 0.00677112
0.00742605 0.00726728 0.00711237 0.00696122 0.00681374 0.00666981 0.00652936
0.00718181 0.00702512 0.00687229 0.00672324 0.00657785 0.00643604 0.00629770
0.00694725 0.00679261 0.00664186 0.00649488 0.00635158 0.00621186 0.00607562
0.00473665 0.00460552 0.00447835 0.00435500 0.00423536 0.00411931 0.00400674
0.00329866 0.00318869 0.00308262 0.00298031 0.00288162 0.00278643 0.00269461
0.00232970 0.00223839 0.00215085 0.00206690 0.00198640 0.00190921 0.00183519
0.00166119 0.00158609 0.00151452 0.00144632 0.00138133 0.00131939 0.00126036
0.00119242 0.00113118 0.00107319 0.00101829 0.00096630 0.00091708 0.00087047
44% 45% 46% 47% 48% 49% 50%
3.0853% 3.1448% 3.2039% 3.2626% 3.3210% 3.3790% 3.4366%1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000
0.49240385 0.49225971 0.49211656 0.49197439 0.49183318 0.49169293 0.49155361
0.32325720 0.32306702 0.32287819 0.32269069 0.32250449 0.32231959 0.32213597
0.23872291 0.23851122 0.23830107 0.23809244 0.23788531 0.23767966 0.23747547
0.18803354 0.18781014 0.18758842 0.18736835 0.18714991 0.18693307 0.18671781
0.15426660 0.15403641 0.15380798 0.15358131 0.15335636 0.15313311 0.15291154
0.13016962 0.12993541 0.12970307 0.12947256 0.12924384 0.12901691 0.12879173
0.11211632 0.11187986 0.11164533 0.11141270 0.11118194 0.11095303 0.11072593
0.09809212 0.09785458 0.09761902 0.09738542 0.09715375 0.09692399 0.09669610
0.08688827 0.08665045 0.08641467 0.08618091 0.08594913 0.08571930 0.08549141
0.07773557 0.07749805 0.07726264 0.07702929 0.07679797 0.07656866 0.07634133
0.07012118 0.06988442 0.06964980 0.06941730 0.06918688 0.06895851 0.06873217
0.06369011 0.06345443 0.06322095 0.06298963 0.06276043 0.06253333 0.06230829
0.05818874 0.05795442 0.05772233 0.05749244 0.05726473 0.05703915 0.05681567
0.05343113 0.05319835 0.05296787 0.05273962 0.05251359 0.05228973 0.05206802
0.04927778 0.04904673 0.04881800 0.04859157 0.04836738 0.04814540 0.04792561
0.04562203 0.04539284 0.04516602 0.04494152 0.04471931 0.04449935 0.04428160
0.04238094 0.04215372 0.04192890 0.04170645 0.04148632 0.04126848 0.04105289
0.03948899 0.03926383 0.03904112 0.03882080 0.03860284 0.03838721 0.03817386
0.03689379 0.03667077 0.03645023 0.03623212 0.03601641 0.03580305 0.03559201
0.03455293 0.03433211 0.03411381 0.03389797 0.03368456 0.03347354 0.03326487
0.03243170 0.03221313 0.03199711 0.03178359 0.03157254 0.03136390 0.03115765
0.03050141 0.03028514 0.03007145 0.02986030 0.02965164 0.02944543 0.02924163
0.02873819 0.02852425 0.02831293 0.02810417 0.02789794 0.02769418 0.02749287
0.02712195 0.02691038 0.02670145 0.02649512 0.02629134 0.02609007 0.02589126
0.02563571 0.02542653 0.02522001 0.02501613 0.02481483 0.02461606 0.02441979
0.02426501 0.02405823 0.02385415 0.02365273 0.02345393 0.02325768 0.02306396
0.02299743 0.02279307 0.02259145 0.02239251 0.02219621 0.02200250 0.02181133
0.02182228 0.02162036 0.02142120 0.02122475 0.02103097 0.02083980 0.02065120
0.02073030 0.02053082 0.02033413 0.02014018 0.01994892 0.01976030 0.01957428
0.01971341 0.01951638 0.01932217 0.01913073 0.01894199 0.01875592 0.01857247
0.01876455 0.01856998 0.01837825 0.01818931 0.01800310 0.01781958 0.01763870
0.01787751 0.01768539 0.01749614 0.01730971 0.01712603 0.01694506 0.01676675
0.01704680 0.01685714 0.01667037 0.01648644 0.01630529 0.01612687 0.01595113
0.01626758 0.01608038 0.01589609 0.01571465 0.01553603 0.01536014 0.01518696
0.01553553 0.01535078 0.01516896 0.01499002 0.01481391 0.01464056 0.01446993
0.01484681 0.01466450 0.01448515 0.01430870 0.01413509 0.01396427 0.01379618
0.01419796 0.01401809 0.01384120 0.01366723 0.01349612 0.01332781 0.01316226
0.01358590 0.01340846 0.01323402 0.01306252 0.01289390 0.01272810 0.01256506
0.01300784 0.01283282 0.01266083 0.01249179 0.01232564 0.01216233 0.01200180
0.01246127 0.01228867 0.01211911 0.01195252 0.01178884 0.01162800 0.01146996
0.01194393 0.01177373 0.01160658 0.01144243 0.01128120 0.01112283 0.01096727
0.01145374 0.01128593 0.01112119 0.01095946 0.01080067 0.01064475 0.01049165
0.01098883 0.01082340 0.01066106 0.01050174 0.01034536 0.01019188 0.01004122
0.01054750 0.01038444 0.01022448 0.01006754 0.00991358 0.00976251 0.00961428
0.01012819 0.00996748 0.00980988 0.00965532 0.00950374 0.00935507 0.00920925
0.00972946 0.00957108 0.00941584 0.00926364 0.00911444 0.00896815 0.00882471
0.00935001 0.00919396 0.00904104 0.00889119 0.00874434 0.00860041 0.00845934
0.00898864 0.00883489 0.00868429 0.00853677 0.00839225 0.00825066 0.00811195
0.00864423 0.00849278 0.00834448 0.00819926 0.00805706 0.00791780 0.00778141
0.00831578 0.00816660 0.00802058 0.00787766 0.00773775 0.00760079 0.00746671
0.00800234 0.00785541 0.00771166 0.00757100 0.00743337 0.00729869 0.00716689
0.00770303 0.00755834 0.00741683 0.00727843 0.00714306 0.00701064 0.00688110
0.00741706 0.00727458 0.00713530 0.00699913 0.00686599 0.00673581 0.00660852
0.00714366 0.00700340 0.00686632 0.00673236 0.00660144 0.00647347 0.00634840
0.00688216 0.00674408 0.00660919 0.00647742 0.00634869 0.00622292 0.00610004
0.00663191 0.00649598 0.00636326 0.00623366 0.00610710 0.00598350 0.00586279
0.00639229 0.00625851 0.00612793 0.00600048 0.00587607 0.00575462 0.00563606
0.00616275 0.00603110 0.00590265 0.00577732 0.00565504 0.00553572 0.00541928
0.00594278 0.00581322 0.00568688 0.00556366 0.00544348 0.00532626 0.00521192
0.00389754 0.00379160 0.00368883 0.00358912 0.00349237 0.00339850 0.00330741
0.00260603 0.00252058 0.00243815 0.00235862 0.00228188 0.00220785 0.00213641
0.00176421 0.00169614 0.00163086 0.00156825 0.00150820 0.00145061 0.00139536
0.00120411 0.00115050 0.00109940 0.00105069 0.00100426 0.00096001 0.00091782
0.00082633 0.00078454 0.00074496 0.00070747 0.00067197 0.00063834 0.00060648
TABLA D-10 FACTOR DE INTERES DE CUOTA MENSUAL ORDINARIA PARA UN VALOR PRESENTE:
n = NRO DE CUOTAS (1 = 30d)i = TIEA (TASA DE INTERES EFECTIVA ANUAL)
CUOTA (1=30d) 1% 2% 3% 4% 5% 6% 7%
0.0830% 0.1652% 0.2466% 0.3274% 0.4074% 0.4868% 0.5654%1 1.00082954 1.00165158 1.00246627 1.00327374 1.00407412 1.00486755 1.00565415
2 0.50062224 0.50123903 0.50185046 0.50245664 0.50305766 0.50365362 0.50424460
3 0.33388651 0.33443499 0.33497886 0.33551820 0.33605309 0.33658362 0.33710985
4 0.25051868 0.25103309 0.25154332 0.25204943 0.25255150 0.25304960 0.25354381
5 0.20049800 0.20099204 0.20148219 0.20196852 0.20245110 0.20292998 0.20340524
6 0.16715090 0.16763141 0.16810828 0.16858155 0.16905129 0.16951756 0.16998042
7 0.14333156 0.14380246 0.14426991 0.14473397 0.14519468 0.14565211 0.14610630
8 0.12546707 0.12593080 0.12639126 0.12684850 0.12730256 0.12775351 0.12820138
9 0.11157248 0.11203067 0.11248576 0.11293778 0.11338678 0.11383281 0.11427592
10 0.10045681 0.10091062 0.10136146 0.10180938 0.10225443 0.10269665 0.10313608
11 0.09136219 0.09181243 0.09225985 0.09270449 0.09314640 0.09358560 0.09402215
12 0.08378335 0.08423065 0.08467526 0.08511723 0.08555660 0.08599339 0.08642765
13 0.07737049 0.07781532 0.07825761 0.07869738 0.07913467 0.07956952 0.08000195
14 0.07187377 0.07231651 0.07275684 0.07319478 0.07363036 0.07406362 0.07449458
15 0.06710994 0.06755090 0.06798957 0.06842598 0.06886014 0.06929210 0.06972188
16 0.06294161 0.06338102 0.06381827 0.06425338 0.06468637 0.06511727 0.06554610
17 0.05926367 0.05970174 0.06013778 0.06057179 0.06100380 0.06143383 0.06186190
18 0.05599440 0.05643130 0.05686628 0.05729936 0.05773055 0.05815988 0.05858735
19 0.05306927 0.05350513 0.05393921 0.05437149 0.05480200 0.05523076 0.05565777
20 0.05043665 0.05087161 0.05130489 0.05173650 0.05216645 0.05259475 0.05302142
21 0.04805477 0.04848892 0.04892151 0.04935254 0.04978203 0.05020998 0.05063639
22 0.04588943 0.04632286 0.04675485 0.04718539 0.04761450 0.04804218 0.04846843
23 0.04391238 0.04434517 0.04477663 0.04520677 0.04563557 0.04606306 0.04648922
24 0.04210009 0.04253231 0.04296331 0.04339310 0.04382167 0.04424903 0.04467517
25 0.04043279 0.04086449 0.04129510 0.04172460 0.04215299 0.04258028 0.04300645
26 0.03889375 0.03932499 0.03975524 0.04018451 0.04061278 0.04104004 0.04146629
27 0.03746871 0.03789954 0.03832949 0.03875857 0.03918676 0.03961404 0.04004042
28 0.03614547 0.03657592 0.03700562 0.03743455 0.03786269 0.03829004 0.03871659
29 0.03491349 0.03534360 0.03577308 0.03620190 0.03663004 0.03705749 0.03748423
30 0.03376365 0.03419346 0.03462274 0.03505148 0.03547965 0.03590724 0.03633422
31 0.03268799 0.03311753 0.03354665 0.03397534 0.03440357 0.03483132 0.03525856
32 0.03167956 0.03210886 0.03253785 0.03296652 0.03339484 0.03382277 0.03425030
33 0.03073226 0.03116133 0.03159022 0.03201889 0.03244732 0.03287547 0.03330331
34 0.02984068 0.03026956 0.03069836 0.03112706 0.03155562 0.03198400 0.03241218
35 0.02900005 0.02942875 0.02985750 0.03028624 0.03071495 0.03114359 0.03157212
36 0.02820613 0.02863468 0.02906338 0.02949218 0.02992106 0.03034997 0.03077888
37 0.02745513 0.02788353 0.02831220 0.02874110 0.02917016 0.02959936 0.03002866
38 0.02674365 0.02717193 0.02760060 0.02802959 0.02845885 0.02888836 0.02931807
39 0.02606866 0.02649684 0.02692551 0.02735461 0.02778410 0.02821392 0.02864405
40 0.02542743 0.02585551 0.02628420 0.02671343 0.02714314 0.02757331 0.02800386
41 0.02481748 0.02524548 0.02567420 0.02610356 0.02653352 0.02696403 0.02739503
42 0.02423658 0.02466451 0.02509327 0.02552278 0.02595300 0.02638387 0.02681532
im -->>
43 0.02368269 0.02411057 0.02453938 0.02496906 0.02539954 0.02583078 0.02626270
44 0.02315399 0.02358182 0.02401069 0.02444054 0.02487130 0.02530291 0.02573531
45 0.02264879 0.02307658 0.02350553 0.02393556 0.02436660 0.02479860 0.02523148
46 0.02216555 0.02259331 0.02302234 0.02345257 0.02388391 0.02431630 0.02474967
47 0.02170288 0.02213062 0.02255975 0.02299017 0.02342181 0.02385460 0.02428848
48 0.02125949 0.02168722 0.02211644 0.02254707 0.02297902 0.02341223 0.02384661
49 0.02083421 0.02126193 0.02169125 0.02212209 0.02255436 0.02298799 0.02342289
50 0.02042593 0.02085366 0.02128309 0.02171415 0.02214675 0.02258080 0.02301622
51 0.02003367 0.02046140 0.02089096 0.02132224 0.02175517 0.02218965 0.02262560
52 0.01965650 0.02008424 0.02051393 0.02094544 0.02137870 0.02181362 0.02225011
53 0.01929356 0.01972133 0.02015114 0.02058290 0.02101650 0.02145186 0.02188888
54 0.01894406 0.01937186 0.01980181 0.02023381 0.02066776 0.02110357 0.02154113
55 0.01860728 0.01903511 0.01946520 0.01989745 0.02033175 0.02076801 0.02120613
56 0.01828253 0.01871039 0.01914063 0.01957313 0.02000779 0.02044451 0.02088318
57 0.01796917 0.01839708 0.01882747 0.01926023 0.01969525 0.02013242 0.02057165
58 0.01766662 0.01809457 0.01852512 0.01895814 0.01939353 0.01983117 0.02027096
59 0.01737433 0.01780233 0.01823304 0.01866633 0.01910208 0.01954019 0.01998055
60 0.01709179 0.01751984 0.01795071 0.01838427 0.01882040 0.01925898 0.01969991
72 0.01431355 0.01474249 0.01517557 0.01561262 0.01605347 0.01649796 0.01694594
84 0.01232928 0.01275945 0.01319507 0.01363591 0.01408178 0.01453248 0.01498779
96 0.01084126 0.01127285 0.01171120 0.01215604 0.01260711 0.01306418 0.01352696
108 0.00968406 0.01011721 0.01055842 0.01100738 0.01146377 0.01192730 0.01239764
120 0.00875844 0.00919324 0.00963740 0.01009056 0.01055235 0.01102240 0.01150033
FACTOR DE INTERES DE CUOTA MENSUAL ORDINARIA PARA UN VALOR PRESENTE:CMFm=
redondeo = 88% 9% 10% 11% 12% 13% 14% 15% 16%
0.6434% 0.7207% 0.7974% 0.8735% 0.9489% 1.0237% 1.0979% 1.1715% 1.2445%1.00643403 1.00720732 1.00797414 1.00873459 1.00948879 1.01023684 1.01097885 1.01171492 1.01244514
0.50483068 0.50541196 0.50598852 0.50656044 0.50712779 0.50769066 0.50824912 0.50880325 0.50935310
0.33763186 0.33814972 0.33866350 0.33917327 0.33967911 0.34018106 0.34067921 0.34117360 0.34166430
0.25403416 0.25452075 0.25500363 0.25548286 0.25595850 0.25643061 0.25689924 0.25736446 0.25782631
0.20387692 0.20434510 0.20480982 0.20527114 0.20572912 0.20618381 0.20663526 0.20708353 0.20752865
0.17043991 0.17089610 0.17134903 0.17179877 0.17224535 0.17268884 0.17312927 0.17356669 0.17400115
0.14655731 0.14700519 0.14744998 0.14789174 0.14833051 0.14876634 0.14919927 0.14962934 0.15005660
0.12864622 0.12908808 0.12952701 0.12996305 0.13039625 0.13082664 0.13125426 0.13167917 0.13210139
0.11471614 0.11515352 0.11558810 0.11601992 0.11644903 0.11687546 0.11729926 0.11772045 0.11813907
0.10357276 0.10400672 0.10443802 0.10486669 0.10529275 0.10571626 0.10613725 0.10655574 0.10697178
0.09445607 0.09488741 0.09531619 0.09574246 0.09616625 0.09658758 0.09700651 0.09742305 0.09783724
0.08685941 0.08728869 0.08771554 0.08813999 0.08856207 0.08898180 0.08939922 0.08981436 0.09022725
0.08043199 0.08085967 0.08128504 0.08170811 0.08212891 0.08254747 0.08296382 0.08337799 0.08379000
0.07492326 0.07534970 0.07577393 0.07619596 0.07661584 0.07703357 0.07744919 0.07786272 0.07827418
0.07014949 0.07057497 0.07099834 0.07141962 0.07183884 0.07225601 0.07267117 0.07308433 0.07349552
0.06597287 0.06639762 0.06682036 0.06724111 0.06765989 0.06807673 0.06849165 0.06890466 0.06931578
0.06228802 0.06271222 0.06313452 0.06355493 0.06397346 0.06439015 0.06480500 0.06521804 0.06562928
0.05901299 0.05943680 0.05985881 0.06027902 0.06069747 0.06111415 0.06152910 0.06194231 0.06235381
0.05608305 0.05650660 0.05692846 0.05734862 0.05776710 0.05818391 0.05859907 0.05901258 0.05942447
0.05344645 0.05386986 0.05429167 0.05471188 0.05513051 0.05554755 0.05596304 0.05637696 0.05678934
0.05106128 0.05148465 0.05190651 0.05232687 0.05274573 0.05316310 0.05357900 0.05399343 0.05440639
0.04889326 0.04931666 0.04973866 0.05015924 0.05057843 0.05099621 0.05141260 0.05182761 0.05224123
0.04691406 0.04733757 0.04775978 0.04818066 0.04860023 0.04901849 0.04943545 0.04985110 0.05026545
0.04510008 0.04552377 0.04594624 0.04636748 0.04678751 0.04720631 0.04762388 0.04804024 0.04845538
0.04343149 0.04385541 0.04427820 0.04469986 0.04512039 0.04553978 0.04595804 0.04637516 0.04679113
0.04189152 0.04231571 0.04273888 0.04316101 0.04358209 0.04400212 0.04442110 0.04483902 0.04525588
0.04046587 0.04089039 0.04131397 0.04173661 0.04215828 0.04257900 0.04299874 0.04341751 0.04383529
0.03914230 0.03956718 0.03999122 0.04041440 0.04083671 0.04125814 0.04167869 0.04209834 0.04251708
0.03791025 0.03833553 0.03876006 0.03918381 0.03960679 0.04002897 0.04045035 0.04087092 0.04129065
0.03676056 0.03718627 0.03761132 0.03803568 0.03845936 0.03888232 0.03930457 0.03972608 0.04014683
0.03568527 0.03611143 0.03653703 0.03696203 0.03738643 0.03781021 0.03823334 0.03865582 0.03907762
0.03467740 0.03510404 0.03553021 0.03595588 0.03638103 0.03680564 0.03722968 0.03765316 0.03807603
0.03373082 0.03415797 0.03458473 0.03501108 0.03543701 0.03586247 0.03628745 0.03671194 0.03713590
0.03284012 0.03326779 0.03369518 0.03412224 0.03454895 0.03497529 0.03540123 0.03582675 0.03625182
0.03200051 0.03242873 0.03285675 0.03328454 0.03371206 0.03413929 0.03456621 0.03499278 0.03541897
0.03120774 0.03163652 0.03206520 0.03249372 0.03292208 0.03335022 0.03377812 0.03420576 0.03463310
0.03045801 0.03088737 0.03131671 0.03174600 0.03217519 0.03260426 0.03303317 0.03346189 0.03389038
0.02974791 0.03017787 0.03060790 0.03103796 0.03146801 0.03189801 0.03232794 0.03275776 0.03318742
0.02907441 0.02950497 0.02993570 0.03036654 0.03079747 0.03122842 0.03165938 0.03209030 0.03252115
0.02843475 0.02886594 0.02929738 0.02972902 0.03016082 0.03059274 0.03102474 0.03145678 0.03188882
0.02782646 0.02825828 0.02869044 0.02912289 0.02955559 0.02998848 0.03042154 0.03085471 0.03128794
0.02724730 0.02767977 0.02811266 0.02854593 0.02897953 0.02941341 0.02984752 0.03028183 0.03071628
TIEm = im (1+i)^(30/360) -1)
im/(1-(1/(1+im)^n))
0.02669524 0.02712836 0.02756199 0.02799609 0.02843060 0.02886547 0.02930066 0.02973611 0.03017178
0.02616842 0.02660220 0.02703659 0.02747153 0.02790696 0.02834284 0.02877910 0.02921571 0.02965260
0.02566518 0.02609963 0.02653478 0.02697056 0.02740692 0.02784381 0.02828116 0.02871892 0.02915705
0.02518396 0.02561909 0.02605501 0.02649164 0.02692894 0.02736684 0.02780529 0.02824422 0.02868358
0.02472336 0.02515918 0.02559587 0.02603337 0.02647161 0.02691053 0.02735008 0.02779019 0.02823080
0.02428209 0.02471861 0.02515608 0.02559445 0.02603364 0.02647359 0.02691425 0.02735553 0.02779739
0.02385898 0.02429619 0.02473446 0.02517370 0.02561385 0.02605484 0.02649660 0.02693907 0.02738218
0.02345293 0.02389085 0.02432991 0.02477003 0.02521114 0.02565317 0.02609604 0.02653970 0.02698407
0.02306293 0.02350156 0.02394143 0.02438243 0.02482451 0.02526758 0.02571158 0.02615643 0.02660206
0.02268806 0.02312742 0.02356809 0.02400998 0.02445303 0.02489715 0.02534227 0.02578832 0.02623521
0.02232747 0.02276755 0.02320903 0.02365182 0.02409584 0.02454102 0.02498727 0.02543451 0.02588268
0.02198036 0.02242117 0.02286346 0.02330715 0.02375215 0.02419839 0.02464577 0.02509422 0.02554365
0.02164600 0.02208754 0.02253065 0.02297524 0.02342123 0.02386852 0.02431704 0.02476669 0.02521740
0.02132370 0.02176597 0.02220991 0.02265541 0.02310238 0.02355074 0.02400039 0.02445126 0.02490324
0.02101282 0.02145584 0.02190060 0.02234701 0.02279498 0.02324440 0.02369519 0.02414727 0.02460053
0.02071279 0.02115655 0.02160214 0.02204946 0.02249842 0.02294892 0.02340085 0.02385414 0.02430868
0.02042303 0.02086754 0.02131397 0.02176221 0.02221217 0.02266373 0.02311681 0.02357132 0.02402714
0.02014305 0.02058831 0.02103558 0.02148474 0.02193569 0.02238833 0.02284256 0.02329828 0.02375539
0.01739725 0.01785172 0.01830921 0.01876957 0.01923265 0.01969830 0.02016638 0.02063676 0.02110928
0.01544750 0.01591141 0.01637932 0.01685104 0.01732636 0.01780508 0.01828703 0.01877201 0.01925984
0.01399520 0.01446865 0.01494705 0.01543014 0.01591767 0.01640940 0.01690508 0.01740447 0.01790733
0.01287447 0.01335747 0.01384634 0.01434074 0.01484038 0.01534494 0.01585412 0.01636762 0.01688514
0.01198575 0.01247828 0.01297755 0.01348315 0.01399472 0.01451187 0.01503425 0.01556148 0.01609320
17% 18% 19% 20% 21% 22% 23% 24% 25%
1.3170% 1.3888% 1.4602% 1.5309% 1.6012% 1.6709% 1.7401% 1.8088% 1.8769%1.01316961 1.01388843 1.01460169 1.01530947 1.01601187 1.01670896 1.01740084 1.01808758 1.01876927
0.50989875 0.51044027 0.51097773 0.51151118 0.51204070 0.51256633 0.51308815 0.51360621 0.51412058
0.34215136 0.34263485 0.34311483 0.34359133 0.34406443 0.34453417 0.34500060 0.34546377 0.34592374
0.25828485 0.25874013 0.25919220 0.25964110 0.26008690 0.26052962 0.26096932 0.26140605 0.26183985
0.20797068 0.20840968 0.20884567 0.20927871 0.20970885 0.21013612 0.21056056 0.21098222 0.21140115
0.17443269 0.17486136 0.17528720 0.17571025 0.17613055 0.17654813 0.17696305 0.17737534 0.17778503
0.15048108 0.15090283 0.15132190 0.15173830 0.15215209 0.15256330 0.15297197 0.15337813 0.15378182
0.13252096 0.13293793 0.13335233 0.13376418 0.13417355 0.13458044 0.13498491 0.13538697 0.13578667
0.11855517 0.11896877 0.11937991 0.11978862 0.12019494 0.12059889 0.12100051 0.12139984 0.12179689
0.10738540 0.10779662 0.10820549 0.10861203 0.10901628 0.10941825 0.10981799 0.11021552 0.11061087
0.09824910 0.09865868 0.09906599 0.09947107 0.09987395 0.10027464 0.10067319 0.10106961 0.10146394
0.09063791 0.09104638 0.09145267 0.09185682 0.09225886 0.09265880 0.09305667 0.09345251 0.09384633
0.08419988 0.08460765 0.08501334 0.08541697 0.08581857 0.08621816 0.08661576 0.08701140 0.08740511
0.07868361 0.07909101 0.07949642 0.07989986 0.08030134 0.08070089 0.08109854 0.08149430 0.08188819
0.07390475 0.07431205 0.07471744 0.07512093 0.07552255 0.07592232 0.07632026 0.07671638 0.07711072
0.06972503 0.07013244 0.07053802 0.07094178 0.07134375 0.07174394 0.07214237 0.07253906 0.07293403
0.06603873 0.06644642 0.06685236 0.06725656 0.06765905 0.06805982 0.06845892 0.06885634 0.06925211
0.06276361 0.06317172 0.06357817 0.06398295 0.06438609 0.06478760 0.06518750 0.06558579 0.06598250
0.05983473 0.06024340 0.06065047 0.06105595 0.06145987 0.06186223 0.06226304 0.06266232 0.06306008
0.05720018 0.05760949 0.05801729 0.05842358 0.05882838 0.05923168 0.05963351 0.06003387 0.06043278
0.05481789 0.05522794 0.05563656 0.05604374 0.05644950 0.05685383 0.05725676 0.05765829 0.05805842
0.05265347 0.05306434 0.05347385 0.05388199 0.05428878 0.05469422 0.05509832 0.05550109 0.05590253
0.05067849 0.05109025 0.05150071 0.05190989 0.05231778 0.05272439 0.05312972 0.05353379 0.05393658
0.04886929 0.04928198 0.04969346 0.05010372 0.05051277 0.05092060 0.05132722 0.05173264 0.05213685
0.04720596 0.04761964 0.04803219 0.04844358 0.04885383 0.04926293 0.04967089 0.05007770 0.05048338
0.04567167 0.04608639 0.04650004 0.04691261 0.04732411 0.04773452 0.04814386 0.04855211 0.04895928
0.04425208 0.04466787 0.04508267 0.04549646 0.04590924 0.04632100 0.04673175 0.04714148 0.04755019
0.04293490 0.04335181 0.04376779 0.04418282 0.04459692 0.04501007 0.04542226 0.04583350 0.04624377
0.04170954 0.04212759 0.04254478 0.04296110 0.04337654 0.04379110 0.04420477 0.04461754 0.04502940
0.04056682 0.04098603 0.04140446 0.04182209 0.04223891 0.04265490 0.04307007 0.04348439 0.04389788
0.03949873 0.03991914 0.04033883 0.04075778 0.04117600 0.04159345 0.04201014 0.04242605 0.04284117
0.03849828 0.03891990 0.03934088 0.03976119 0.04018082 0.04059975 0.04101798 0.04143549 0.04185227
0.03755932 0.03798218 0.03840446 0.03882614 0.03924720 0.03966764 0.04008743 0.04050655 0.04092500
0.03667642 0.03710053 0.03752413 0.03794720 0.03836972 0.03879167 0.03921303 0.03963379 0.04005393
0.03584477 0.03627016 0.03669510 0.03711957 0.03754356 0.03796703 0.03838998 0.03881238 0.03923423
0.03506011 0.03548678 0.03591307 0.03633896 0.03676443 0.03718945 0.03761400 0.03803806 0.03846161
0.03431863 0.03474659 0.03517425 0.03560157 0.03602853 0.03645510 0.03688126 0.03730699 0.03773226
0.03361690 0.03404618 0.03447521 0.03490397 0.03533244 0.03576057 0.03618836 0.03661576 0.03704276
0.03295188 0.03338248 0.03381290 0.03424311 0.03467309 0.03510280 0.03553221 0.03596130 0.03639004
0.03232082 0.03275274 0.03318456 0.03361623 0.03404773 0.03447902 0.03491007 0.03534085 0.03577134
0.03172121 0.03215448 0.03258770 0.03302084 0.03345387 0.03388675 0.03431944 0.03475192 0.03518415
0.03115083 0.03158544 0.03202008 0.03245469 0.03288926 0.03332373 0.03375807 0.03419225 0.03462624
(1+i)^(30/360) -1)
im/(1-(1/(1+im)^n))
0.03060762 0.03104359 0.03147965 0.03191574 0.03235185 0.03278791 0.03322391 0.03365980 0.03409555
0.03008973 0.03052707 0.03096455 0.03140213 0.03183979 0.03227746 0.03271511 0.03315271 0.03359022
0.02959548 0.03003418 0.03047310 0.03091218 0.03135138 0.03179066 0.03222998 0.03266929 0.03310856
0.02912333 0.02956340 0.03000375 0.03044432 0.03088508 0.03132597 0.03176696 0.03220798 0.03264902
0.02867185 0.02911330 0.02955509 0.02999717 0.03043949 0.03088199 0.03132464 0.03176739 0.03221019
0.02823976 0.02868259 0.02912583 0.02956941 0.03001329 0.03045741 0.03090173 0.03134619 0.03179076
0.02782587 0.02827009 0.02871477 0.02915986 0.02960531 0.03005104 0.03049703 0.03094322 0.03138956
0.02742909 0.02787470 0.02832083 0.02876743 0.02921444 0.02966180 0.03010946 0.03055736 0.03100547
0.02704841 0.02749541 0.02794299 0.02839110 0.02883968 0.02928866 0.02973799 0.03018762 0.03063749
0.02668289 0.02713129 0.02758033 0.02802996 0.02848010 0.02893070 0.02938171 0.02983305 0.03028468
0.02633169 0.02678148 0.02723198 0.02768312 0.02813484 0.02858706 0.02903974 0.02949280 0.02994619
0.02599400 0.02644519 0.02689715 0.02734981 0.02780309 0.02825694 0.02871128 0.02916606 0.02962122
0.02566909 0.02612168 0.02657510 0.02702927 0.02748413 0.02793959 0.02839561 0.02885210 0.02930902
0.02535627 0.02581026 0.02626515 0.02672083 0.02717726 0.02763434 0.02809203 0.02855023 0.02900891
0.02505490 0.02551030 0.02596664 0.02642385 0.02688184 0.02734055 0.02779990 0.02825981 0.02872024
0.02476440 0.02522120 0.02567900 0.02613772 0.02659729 0.02705761 0.02751862 0.02798025 0.02844242
0.02448420 0.02494240 0.02540167 0.02586191 0.02632304 0.02678498 0.02724765 0.02771098 0.02817490
0.02421379 0.02467340 0.02513413 0.02559588 0.02605858 0.02652213 0.02698647 0.02745150 0.02791716
0.02158381 0.02206024 0.02253842 0.02301823 0.02349955 0.02398225 0.02446624 0.02495138 0.02543758
0.01975033 0.02024331 0.02073862 0.02123607 0.02173551 0.02223677 0.02273971 0.02324417 0.02375001
0.01841343 0.01892255 0.01943447 0.01994896 0.02046583 0.02098486 0.02150587 0.02202865 0.02255304
0.01740639 0.01793111 0.01845901 0.01898983 0.01952331 0.02005919 0.02059726 0.02113725 0.02167897
0.01662908 0.01716877 0.01771195 0.01825829 0.01880748 0.01935923 0.01991325 0.02046927 0.02102703
26% 27% 28% 29% 30% 31% 32% 33% 34%
1.9446% 2.0118% 2.0785% 2.1447% 2.2104% 2.2757% 2.3406% 2.4050% 2.4689%1.01944597 1.02011776 1.02078473 1.02144693 1.02210445 1.02275735 1.02340569 1.02404955 1.02468898
0.51463129 0.51513841 0.51564199 0.51614208 0.51663875 0.51713202 0.51762195 0.51810860 0.51859200
0.34638053 0.34683421 0.34728483 0.34773241 0.34817702 0.34861869 0.34905745 0.34949336 0.34992645
0.26227076 0.26269881 0.26312406 0.26354653 0.26396629 0.26438335 0.26479775 0.26520955 0.26561875
0.21181736 0.21223091 0.21264184 0.21305017 0.21345594 0.21385920 0.21425997 0.21465829 0.21505418
0.17819216 0.17859677 0.17899889 0.17939855 0.17979579 0.18019064 0.18058313 0.18097330 0.18136117
0.15418307 0.15458191 0.15497837 0.15537250 0.15576431 0.15615384 0.15654112 0.15692618 0.15730904
0.13618404 0.13657909 0.13697188 0.13736242 0.13775074 0.13813689 0.13852086 0.13890271 0.13928245
0.12219171 0.12258430 0.12297472 0.12336298 0.12374912 0.12413315 0.12451510 0.12489501 0.12527288
0.11100407 0.11139513 0.11178410 0.11217099 0.11255584 0.11293866 0.11331948 0.11369832 0.11407521
0.10185620 0.10224640 0.10263459 0.10302077 0.10340499 0.10378725 0.10416758 0.10454601 0.10492255
0.09423815 0.09462800 0.09501590 0.09540188 0.09578595 0.09616815 0.09654847 0.09692697 0.09730363
0.08779689 0.08818676 0.08857477 0.08896092 0.08934523 0.08972773 0.09010843 0.09048735 0.09086451
0.08228023 0.08267044 0.08305885 0.08344547 0.08383032 0.08421342 0.08459477 0.08497442 0.08535237
0.07750327 0.07789405 0.07828311 0.07867043 0.07905605 0.07943998 0.07982223 0.08020283 0.08058178
0.07332729 0.07371885 0.07410874 0.07449696 0.07488354 0.07526849 0.07565183 0.07603356 0.07641371
0.06964624 0.07003873 0.07042962 0.07081890 0.07120660 0.07159273 0.07197730 0.07236032 0.07274182
0.06637762 0.06677118 0.06716320 0.06755367 0.06794262 0.06833005 0.06871598 0.06910043 0.06948339
0.06345632 0.06385106 0.06424431 0.06463608 0.06502639 0.06541524 0.06580264 0.06618860 0.06657314
0.06083023 0.06122624 0.06162083 0.06201399 0.06240574 0.06279609 0.06318505 0.06357262 0.06395882
0.05845717 0.05885453 0.05925053 0.05964516 0.06003844 0.06043038 0.06082096 0.06121022 0.06159815
0.05630263 0.05670142 0.05709890 0.05749507 0.05788994 0.05828352 0.05867580 0.05906681 0.05945654
0.05433811 0.05473838 0.05513740 0.05553516 0.05593168 0.05632696 0.05672100 0.05711381 0.05750539
0.05253985 0.05294165 0.05334226 0.05374167 0.05413989 0.05453691 0.05493275 0.05532741 0.05572088
0.05088790 0.05129128 0.05169352 0.05209461 0.05249457 0.05289339 0.05329107 0.05368761 0.05408302
0.04936536 0.04977036 0.05017427 0.05057709 0.05097882 0.05137947 0.05177902 0.05217749 0.05257487
0.04795786 0.04836451 0.04877012 0.04917470 0.04957824 0.04998074 0.05038220 0.05078263 0.05118200
0.04665307 0.04706139 0.04746874 0.04787510 0.04828048 0.04868487 0.04908826 0.04949066 0.04989206
0.04544035 0.04585038 0.04625948 0.04666765 0.04707489 0.04748119 0.04788654 0.04829094 0.04869438
0.04431050 0.04472225 0.04513314 0.04554314 0.04595226 0.04636049 0.04676781 0.04717423 0.04757973
0.04325549 0.04366899 0.04408168 0.04449353 0.04490454 0.04531472 0.04572403 0.04613248 0.04654006
0.04226830 0.04268356 0.04309807 0.04351178 0.04392472 0.04433685 0.04474816 0.04515866 0.04556833
0.04134276 0.04175980 0.04217614 0.04259174 0.04300659 0.04342070 0.04383403 0.04424659 0.04465836
0.04047342 0.04089226 0.04131044 0.04172793 0.04214473 0.04256082 0.04297618 0.04339081 0.04380469
0.03965548 0.04007612 0.04049616 0.04091555 0.04133429 0.04175237 0.04216977 0.04258648 0.04300247
0.03888463 0.03930709 0.03972899 0.04015029 0.04057099 0.04099107 0.04141051 0.04182930 0.04224741
0.03815705 0.03858134 0.03900511 0.03942833 0.03985100 0.04027308 0.04069457 0.04111544 0.04153568
0.03746933 0.03789545 0.03832110 0.03874625 0.03917088 0.03959498 0.04001852 0.04044148 0.04086385
0.03681840 0.03724636 0.03767389 0.03810097 0.03852757 0.03895369 0.03937928 0.03980434 0.04022883
0.03620149 0.03663129 0.03706071 0.03748972 0.03791830 0.03834644 0.03877408 0.03920123 0.03962786
0.03561611 0.03604775 0.03647907 0.03691001 0.03734058 0.03777073 0.03820043 0.03862967 0.03905843
0.03506000 0.03549349 0.03592670 0.03635959 0.03679213 0.03722430 0.03765606 0.03808740 0.03851828
0.03453111 0.03496646 0.03540157 0.03583639 0.03627092 0.03670510 0.03713892 0.03757235 0.03800535
0.03402759 0.03446479 0.03490180 0.03533857 0.03577507 0.03621128 0.03664715 0.03708266 0.03751779
0.03354774 0.03398680 0.03442571 0.03486441 0.03530289 0.03574112 0.03617904 0.03661664 0.03705389
0.03309002 0.03353093 0.03397173 0.03441238 0.03485284 0.03529308 0.03573305 0.03617273 0.03661209
0.03265299 0.03309576 0.03353847 0.03398105 0.03442349 0.03486573 0.03530775 0.03574951 0.03619098
0.03223538 0.03268001 0.03312461 0.03356912 0.03401353 0.03445779 0.03490185 0.03534568 0.03578925
0.03183599 0.03228246 0.03272896 0.03317541 0.03362179 0.03406805 0.03451414 0.03496004 0.03540570
0.03145371 0.03190204 0.03235043 0.03279881 0.03324715 0.03369541 0.03414353 0.03459150 0.03503924
0.03108754 0.03153772 0.03198800 0.03243830 0.03288861 0.03333886 0.03378901 0.03423903 0.03468886
0.03073654 0.03118857 0.03164073 0.03209296 0.03254523 0.03299747 0.03344964 0.03390170 0.03435360
0.03039986 0.03085373 0.03130778 0.03176192 0.03221614 0.03267036 0.03312454 0.03357865 0.03403261
0.03007668 0.03053240 0.03098832 0.03144439 0.03190055 0.03235675 0.03281293 0.03326907 0.03372509
0.02976628 0.03022384 0.03068164 0.03113961 0.03159771 0.03205588 0.03251406 0.03297222 0.03343029
0.02946797 0.02992735 0.03038702 0.03084689 0.03130693 0.03176706 0.03222724 0.03268741 0.03314752
0.02918109 0.02964231 0.03010384 0.03056561 0.03102757 0.03148966 0.03195182 0.03241400 0.03287614
0.02890506 0.02936811 0.02983150 0.03029516 0.03075904 0.03122308 0.03168721 0.03215138 0.03261554
0.02863933 0.02910419 0.02956944 0.03003498 0.03050078 0.03096676 0.03143285 0.03189901 0.03236518
0.02838337 0.02885005 0.02931714 0.02978456 0.03025226 0.03072017 0.03118822 0.03165636 0.03212452
0.02592471 0.02641268 0.02690140 0.02739075 0.02788066 0.02837102 0.02886175 0.02935276 0.02984397
0.02425707 0.02476523 0.02527436 0.02578431 0.02629499 0.02680625 0.02731798 0.02783008 0.02834243
0.02307884 0.02360587 0.02413399 0.02466302 0.02519283 0.02572324 0.02625412 0.02678535 0.02731677
0.02222217 0.02276666 0.02331225 0.02385872 0.02440592 0.02495365 0.02550175 0.02605008 0.02659845
0.02158626 0.02214671 0.02270819 0.02327044 0.02383327 0.02439648 0.02495988 0.02552329 0.02608653
35% 36% 37% 38% 39% 40% 41% 42% 43%
2.5324% 2.5955% 2.6581% 2.7204% 2.7822% 2.8436% 2.9046% 2.9653% 3.0255%1.02532406 1.02595483 1.02658137 1.02720374 1.02782198 1.02843616 1.02904633 1.02965254 1.03025486
0.51907221 0.51954925 0.52002319 0.52049407 0.52096192 0.52142678 0.52188870 0.52234771 0.52280386
0.35035676 0.35078433 0.35120919 0.35163140 0.35205096 0.35246793 0.35288234 0.35329422 0.35370361
0.26602542 0.26642956 0.26683123 0.26723046 0.26762728 0.26802171 0.26841379 0.26880355 0.26919102
0.21544770 0.21583885 0.21622768 0.21661422 0.21699848 0.21738052 0.21776035 0.21813799 0.21851349
0.18174678 0.18213015 0.18251131 0.18289029 0.18326712 0.18364183 0.18401444 0.18438497 0.18475346
0.15768974 0.15806830 0.15844475 0.15881912 0.15919142 0.15956170 0.15992996 0.16029624 0.16066056
0.13966012 0.14003573 0.14040931 0.14078090 0.14115050 0.14151814 0.14188386 0.14224766 0.14260958
0.12564876 0.12602266 0.12639460 0.12676462 0.12713273 0.12749896 0.12786332 0.12822584 0.12858654
0.11445017 0.11482322 0.11519439 0.11556371 0.11593117 0.11629682 0.11666066 0.11702272 0.11738303
0.10529723 0.10567006 0.10604108 0.10641030 0.10677774 0.10714341 0.10750735 0.10786956 0.10823007
0.09767851 0.09805159 0.09842293 0.09879252 0.09916038 0.09952655 0.09989102 0.10025383 0.10061499
0.09123994 0.09161364 0.09198565 0.09235597 0.09272461 0.09309161 0.09345698 0.09382072 0.09418287
0.08572863 0.08610323 0.08647618 0.08684751 0.08721721 0.08758532 0.08795185 0.08831680 0.08868020
0.08095912 0.08133483 0.08170896 0.08208151 0.08245249 0.08282193 0.08318983 0.08355620 0.08392107
0.07679229 0.07716931 0.07754479 0.07791875 0.07829118 0.07866212 0.07903156 0.07939953 0.07976604
0.07312180 0.07350026 0.07387724 0.07425275 0.07462678 0.07499936 0.07537049 0.07574019 0.07610848
0.06986489 0.07024493 0.07062353 0.07100070 0.07137645 0.07175079 0.07212373 0.07249528 0.07286545
0.06695626 0.06733797 0.06771829 0.06809724 0.06847480 0.06885099 0.06922583 0.06959932 0.06997148
0.06434365 0.06472713 0.06510925 0.06549004 0.06586950 0.06624763 0.06662446 0.06699997 0.06737419
0.06198477 0.06237007 0.06275407 0.06313679 0.06351821 0.06389835 0.06427722 0.06465482 0.06503116
0.05984500 0.06023219 0.06061813 0.06100282 0.06138626 0.06176847 0.06214944 0.06252918 0.06290771
0.05789575 0.05828488 0.05867281 0.05905953 0.05944504 0.05982936 0.06021248 0.06059441 0.06097517
0.05611319 0.05650431 0.05689426 0.05728306 0.05767068 0.05805715 0.05844247 0.05882663 0.05920964
0.05447730 0.05487045 0.05526247 0.05565338 0.05604315 0.05643181 0.05681934 0.05720576 0.05759108
0.05297117 0.05336637 0.05376049 0.05415353 0.05454548 0.05493635 0.05532614 0.05571485 0.05610248
0.05158034 0.05197763 0.05237387 0.05276908 0.05316323 0.05355634 0.05394841 0.05433942 0.05472940
0.05029246 0.05069185 0.05109025 0.05148764 0.05188401 0.05227939 0.05267374 0.05306709 0.05345943
0.04909687 0.04949839 0.04989895 0.05029854 0.05069716 0.05109481 0.05149148 0.05188716 0.05228188
0.04798432 0.04838798 0.04879072 0.04919254 0.04959341 0.04999335 0.05039234 0.05079038 0.05118748
0.04694677 0.04735259 0.04775752 0.04816157 0.04856471 0.04896694 0.04936827 0.04976867 0.05016817
0.04597717 0.04638516 0.04679230 0.04719858 0.04760400 0.04800854 0.04841221 0.04881498 0.04921688
0.04506934 0.04547950 0.04588886 0.04629739 0.04670509 0.04711195 0.04751796 0.04792311 0.04832740
0.04421781 0.04463016 0.04504173 0.04545252 0.04586250 0.04627168 0.04668004 0.04708757 0.04749427
0.04341775 0.04383229 0.04424608 0.04465913 0.04507140 0.04548290 0.04589361 0.04630351 0.04671262
0.04266485 0.04308158 0.04349761 0.04391291 0.04432748 0.04474129 0.04515435 0.04556663 0.04597814
0.04195528 0.04237421 0.04279246 0.04321003 0.04362688 0.04404302 0.04445843 0.04487309 0.04528699
0.04128561 0.04170673 0.04212722 0.04254704 0.04296619 0.04338465 0.04380240 0.04421942 0.04463573
0.04065276 0.04107608 0.04149879 0.04192087 0.04234231 0.04276308 0.04318317 0.04360256 0.04402125
0.04005394 0.04047946 0.04090440 0.04132874 0.04175246 0.04217554 0.04259797 0.04301972 0.04344079
0.03948668 0.03991439 0.04034155 0.04076814 0.04119414 0.04161952 0.04204428 0.04246838 0.04289183
0.03894869 0.03937858 0.03980797 0.04023681 0.04066508 0.04109276 0.04151984 0.04194629 0.04237210
0.03843792 0.03887000 0.03930160 0.03973268 0.04016322 0.04059320 0.04102259 0.04145137 0.04187954
0.03795251 0.03838677 0.03882058 0.03925390 0.03968669 0.04011895 0.04055065 0.04098176 0.04141227
0.03749075 0.03792719 0.03836320 0.03879875 0.03923380 0.03966833 0.04010232 0.04053575 0.04096859
0.03705109 0.03748971 0.03792791 0.03836568 0.03880297 0.03923977 0.03967605 0.04011177 0.04054694
0.03663212 0.03707289 0.03751329 0.03795327 0.03839279 0.03883185 0.03927040 0.03970842 0.04014589
0.03623252 0.03667545 0.03711802 0.03756020 0.03800195 0.03844325 0.03888406 0.03932436 0.03976413
0.03585110 0.03629618 0.03674092 0.03718530 0.03762926 0.03807279 0.03851585 0.03895842 0.03940046
0.03548675 0.03593397 0.03638088 0.03682744 0.03727360 0.03771935 0.03816465 0.03860947 0.03905378
0.03513847 0.03558782 0.03603688 0.03648561 0.03693396 0.03738192 0.03782945 0.03827650 0.03872307
0.03480532 0.03525678 0.03570798 0.03615887 0.03660941 0.03705956 0.03750930 0.03795857 0.03840738
0.03448642 0.03494000 0.03539333 0.03584637 0.03629907 0.03675140 0.03720333 0.03765482 0.03810584
0.03418097 0.03463665 0.03509210 0.03554728 0.03600214 0.03645664 0.03691075 0.03736443 0.03781765
0.03388824 0.03434601 0.03480357 0.03526087 0.03571787 0.03617453 0.03663080 0.03708666 0.03754207
0.03360753 0.03406738 0.03452703 0.03498645 0.03544557 0.03590437 0.03636279 0.03682081 0.03727839
0.03333819 0.03380011 0.03426185 0.03472336 0.03518460 0.03564552 0.03610608 0.03656624 0.03702598
0.03307964 0.03354361 0.03400742 0.03447102 0.03493435 0.03539738 0.03586007 0.03632235 0.03678422
0.03283130 0.03329731 0.03376318 0.03422886 0.03469427 0.03515940 0.03562418 0.03608858 0.03655256
0.03259266 0.03306071 0.03352862 0.03399635 0.03446384 0.03493104 0.03539791 0.03586440 0.03633048
0.03033531 0.03082667 0.03131802 0.03180926 0.03230033 0.03279116 0.03328169 0.03377185 0.03426160
0.02885495 0.02936750 0.02988003 0.03039243 0.03090460 0.03141647 0.03192795 0.03243897 0.03294947
0.02784829 0.02837975 0.02891107 0.02944213 0.02997283 0.03050306 0.03103273 0.03156175 0.03209005
0.02714675 0.02769483 0.02824256 0.02878983 0.02933650 0.02988248 0.03042766 0.03097193 0.03151522
0.02664947 0.02721193 0.02777379 0.02833492 0.02889517 0.02945445 0.03001263 0.03056962 0.03112533
44% 45% 46% 47% 48% 49% 50%
3.0853% 3.1448% 3.2039% 3.2626% 3.3210% 3.3790% 3.4366%1.03085332 1.03144799 1.03203891 1.03262613 1.03320970 1.03378967 1.03436608
0.52325717 0.52370770 0.52415547 0.52460052 0.52504288 0.52548260 0.52591969
0.35411052 0.35451501 0.35491710 0.35531682 0.35571419 0.35610926 0.35650205
0.26957623 0.26995921 0.27033998 0.27071857 0.27109501 0.27146933 0.27184155
0.21888686 0.21925813 0.21962733 0.21999448 0.22035961 0.22072274 0.22108389
0.18511992 0.18548440 0.18584689 0.18620744 0.18656606 0.18692278 0.18727762
0.16102294 0.16138340 0.16174198 0.16209869 0.16245354 0.16280658 0.16315781
0.14296964 0.14332785 0.14368424 0.14403883 0.14439164 0.14474270 0.14509201
0.12894544 0.12930257 0.12965793 0.13001155 0.13036345 0.13071366 0.13106218
0.11774159 0.11809844 0.11845358 0.11880704 0.11915883 0.11950897 0.11985749
0.10858889 0.10894604 0.10930155 0.10965542 0.11000767 0.11035833 0.11070741
0.10097450 0.10133241 0.10168871 0.10204343 0.10239658 0.10274818 0.10309825
0.09454343 0.09490242 0.09525986 0.09561576 0.09597013 0.09632300 0.09667437
0.08904206 0.08940241 0.08976124 0.09011857 0.09047443 0.09082882 0.09118175
0.08428445 0.08464634 0.08500678 0.08536575 0.08572329 0.08607940 0.08643410
0.08013110 0.08049472 0.08085691 0.08121770 0.08157708 0.08193507 0.08229169
0.07647535 0.07684083 0.07720493 0.07756765 0.07792901 0.07828902 0.07864768
0.07323426 0.07360171 0.07396781 0.07433258 0.07469602 0.07505815 0.07541897
0.07034231 0.07071182 0.07108003 0.07144693 0.07181254 0.07217688 0.07253994
0.06774711 0.06811876 0.06848914 0.06885825 0.06922611 0.06959272 0.06995809
0.06540625 0.06578010 0.06615272 0.06652410 0.06689426 0.06726321 0.06763095
0.06328502 0.06366112 0.06403602 0.06440972 0.06478224 0.06515357 0.06552373
0.06135473 0.06173313 0.06211036 0.06248643 0.06286134 0.06323510 0.06360771
0.05959151 0.05997224 0.06035184 0.06073030 0.06110764 0.06148385 0.06185895
0.05797527 0.05835837 0.05874036 0.05912125 0.05950104 0.05987974 0.06025734
0.05648903 0.05687452 0.05725892 0.05764226 0.05802453 0.05840573 0.05878587
0.05511833 0.05550622 0.05589306 0.05627886 0.05666363 0.05704735 0.05743004
0.05385075 0.05424106 0.05463036 0.05501864 0.05540591 0.05579217 0.05617741
0.05267560 0.05306835 0.05346011 0.05385088 0.05424067 0.05462947 0.05501728
0.05158362 0.05197881 0.05237304 0.05276631 0.05315862 0.05354997 0.05394036
0.05056673 0.05096437 0.05136108 0.05175686 0.05215169 0.05254559 0.05293855
0.04961787 0.05001797 0.05041716 0.05081544 0.05121280 0.05160925 0.05200478
0.04873083 0.04913338 0.04953505 0.04993584 0.05033573 0.05073473 0.05113283
0.04790012 0.04830513 0.04870928 0.04911257 0.04951499 0.04991654 0.05031721
0.04712090 0.04752837 0.04793500 0.04834078 0.04874573 0.04914981 0.04955304
0.04638885 0.04679877 0.04720787 0.04761615 0.04802361 0.04843023 0.04883601
0.04570013 0.04611249 0.04652406 0.04693483 0.04734479 0.04775394 0.04816226
0.04505128 0.04546608 0.04588011 0.04629336 0.04670582 0.04711748 0.04752834
0.04443922 0.04485645 0.04527293 0.04568865 0.04610360 0.04651777 0.04693114
0.04386116 0.04428081 0.04469974 0.04511792 0.04553534 0.04595200 0.04636788
0.04331459 0.04373666 0.04415802 0.04457865 0.04499854 0.04541767 0.04583604
0.04279725 0.04322172 0.04364549 0.04406856 0.04449090 0.04491250 0.04533335
0.04230706 0.04273392 0.04316010 0.04358559 0.04401037 0.04443442 0.04485773
0.04184215 0.04227139 0.04269997 0.04312787 0.04355506 0.04398155 0.04440730
0.04140082 0.04183243 0.04226339 0.04269367 0.04312328 0.04355218 0.04398036
0.04098151 0.04141547 0.04184879 0.04228145 0.04271344 0.04314474 0.04357533
0.04058278 0.04101907 0.04145475 0.04188977 0.04232414 0.04275782 0.04319079
0.04020333 0.04064195 0.04107995 0.04151732 0.04195404 0.04239008 0.04282542
0.03984196 0.04028288 0.04072320 0.04116290 0.04160195 0.04204033 0.04247803
0.03949755 0.03994077 0.04038339 0.04082539 0.04126676 0.04170747 0.04214749
0.03916910 0.03961459 0.04005949 0.04050379 0.04094745 0.04139046 0.04183279
0.03885566 0.03930340 0.03975057 0.04019713 0.04064307 0.04108836 0.04153297
0.03855635 0.03900633 0.03945574 0.03990456 0.04035276 0.04080031 0.04124718
0.03827038 0.03872257 0.03917421 0.03962526 0.04007569 0.04052548 0.04097460
0.03799698 0.03845139 0.03890523 0.03935849 0.03981114 0.04026314 0.04071448
0.03773548 0.03819207 0.03864810 0.03910355 0.03955839 0.04001259 0.04046612
0.03748523 0.03794397 0.03840217 0.03885979 0.03931680 0.03977317 0.04022887
0.03724561 0.03770650 0.03816684 0.03862661 0.03908577 0.03954429 0.04000214
0.03701607 0.03747909 0.03794156 0.03840345 0.03886474 0.03932539 0.03978536
0.03679610 0.03726121 0.03772579 0.03818979 0.03865318 0.03911593 0.03957800
0.03475086 0.03523959 0.03572774 0.03621525 0.03670207 0.03718817 0.03767349
0.03345935 0.03396857 0.03447706 0.03498475 0.03549158 0.03599752 0.03650249
0.03261753 0.03314413 0.03366977 0.03419438 0.03471790 0.03524028 0.03576144
0.03205743 0.03259849 0.03313831 0.03367682 0.03421396 0.03474968 0.03528390
0.03167965 0.03223253 0.03278387 0.03333360 0.03388167 0.03442801 0.03497256
Por: Prof Percy Soria A. UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
TASA DE INTERES EFECTIVA ANUAL VS NOMINAL PARA PERIODOS DE CAPITALIZACION DIARIO (USO EN SISTEMA FINANCIERO PERUANO)
TIEA = Tasa de interés efectiva anual
TINA = Tasa de interés nominal anual
a) TIEA es igual a la TIE diaria capitalizada 360d:
TIEA =
b)
TIEA + 1 =
=
REGLA MATEMATICA:Potencia de una potencia
=
=
c) Cálculo TASA INTERES EFECTIVA DE 01 DIA:
=
d) Generalizamos el cálculo de TIE para el período n:
=
=
e)
=
=
REGLA MATEMATICA:Potencia de una potencia
=
f) Cálculo TASA DE INTERES EFECTIVA PARA EL PERIODO n, dada la TIEA:
=
TIE(n) =
TIN(n) =
TIE(n) =
( 1+TIE(1) )^360-1
Despejamos TIE(1) :
( 1+TIE(1) )^360
(TIEA + 1)^(1/360) ( ( 1+TIE(1) )^360 ) ^(1/360)
(TIEA + 1)^(1/360) ( 1+TIE(1) )^(360)*(1/360)
(TIEA + 1)^(1/360) 1+TIE(1)
TIE(1) (1+TIEA)^(1/360) -1
TIE(n) ( 1+TIE(1) )^n-1
TIE(n) + 1 ( 1+TIE(1) )^n
Reemplazamos TIE(1) con fórmula hallada en c):
TIE(n) + 1 ( 1+ (1+TIEA)^(1/360) -1) )^n
TIE(n) + 1 ((1+TIEA)^(1/360)) ^n
TIE(n) + 1 (1+TIEA)^(1/360)*(n)
TIE(n) (1+TIEA)^(n/360) -1
UNIVERSIDAD DE SAN MARTIN DE PORRES - LIMA / FACULTAD ADMINISTRACION
TASA DE INTERES EFECTIVA ANUAL VS NOMINAL PARA PERIODOS DE CAPITALIZACION DIARIO (USO EN SISTEMA FINANCIERO PERUANO)
Tasa de interés efectiva período n
Tasa de interés nominal período n
El interes nominal es capitalizado diariamente durante el período n