Fondo Acumulado

Depsito

Inters

Adic.Fond.

C
A+B

Periodo

E*(D-1)
0
1
2
3
4
5
6
7
8
9
10

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

517.75
517.75
517.75
517.75
517.75
517.75
517.75
517.75
517.75
517.75

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

61.11
129.44
205.83
291.24
386.73
493.48
612.84
746.29
895.49

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

517.75
578.87
647.19
723.58
808.99
904.48
1,011.24
1,130.60
1,264.05
1,413.25

Fondo
Acumulado
D

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0 Capital=
517.75 Periodicidad =
1,096.62 Periodo=
1,743.81 TEB =
2,467.40 TEM = (E)
3,276.39 Cuota=
4,180.87
5,192.10 D-1 es el saldo del periodo anterio
6,322.70
7,586.75
9,000.00

S/. 9,000.00
mensual
10 meses
25.00%
11.8034%
S/.
517.75

l saldo del periodo anterior

Fondo Acumulado
Depsito

Inters

Adic.Fond.

C
A+B

Periodo

E*(D-1)
0
1
2
3
4
5
6
7
8
9
10

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

779.22
779.22
779.22
779.22
779.22
779.22
779.22
779.22
779.22
779.22

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

27.27
55.50
84.72
114.95
146.25
178.64
172.76
199.90
227.80

S/.
779.22
S/.
806.49
S/.
834.72
S/.
863.94
S/.
894.17
S/.
925.47
S/.
957.86
S/.
951.98
S/.
979.12
S/. 1,007.02

Fondo
Acumulado
D

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0 Capital=
779.22 Periodo=
1,585.71 TEM1 = (E)
2,420.44 TEM2 = (E)
3,284.37 Cuota=
4,178.55 Cuota=
5,104.02 D-1 es el saldo del periodo anterio
6,061.88
7,013.86
7,992.98
9,000.00

S/. 9,000.00
10 meses
3.50%
7 meses
2.85%
3 meses
S/.
779.22
S/.
779.22
es el saldo del periodo anterior

Fondo Acumulado
Depsito

Inters

Adic.Fond.

C
A+B

Periodo

E*(D-1)
0
1
2
3
4
5
6
7
8
9
10

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

229.89
309.89
389.89
469.89
549.89
629.89
709.89
789.89
869.89
949.89

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

27.14
66.92
120.83
190.56
277.96
385.12
514.37
668.31
849.87

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

229.89
337.03
456.81
590.73
740.45
907.85
1,095.01
1,304.26
1,538.20
1,799.77

Fondo
Acumulado
D

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0 Capital=
229.89 Periodicidad =
566.92 Periodo=
1,023.73 TEB =
1,614.46 TEM = (E)
2,354.91 Gradiente =
3,262.76 Cuota=
4,357.77
5,662.03 D-1 es el saldo del periodo anterio
7,200.23
9,000.00

S/. 9,000.00
mensual
10 meses
25.00%
11.8034%
S/.
80.00
S/.
229.89

l saldo del periodo anterior

Fondo Acumulado
Depsito

Inters

Adic.Fond.

C
A+B

Periodo

E*(D-1)
0
1
2
3
4
5
6
7
8
9
10

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

430.33
451.85
474.44
498.16
523.07
549.23
576.69
605.52
635.80
667.59

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

50.79
110.12
179.12
259.06
351.38
457.69
579.78
719.68
879.68

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

430.33
502.64
584.57
677.29
782.14
900.61
1,034.37
1,185.30
1,355.48
1,547.26

Fondo
Acumulado
D

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0
Capital=
430.33
Periodicidad =
932.98
Periodo=
1,517.54
TEB =
2,194.83
TEM = (E)
2,976.97
Gradiente =
3,877.58
Cuota=
4,911.95 D-1 es el saldo del periodo anterio
6,097.25
B=
7,452.74
C=
9,000.00

S/. 9,000.00
mensual
10 meses
25.00%
11.8034%
5%
S/.
430.33
l saldo del periodo anterior
1.05
1.1180339887

Cuota
A

Periodo
0
1
2
3
4
5
6
7
8
9
10

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

1,082.17
1,082.17
1,082.17
1,082.17
1,082.17
1,082.17
1,082.17
1,082.17
1,082.17
1,082.17

Fondo Amortizacin
Inters
Amortizacin
B
C
A-B
E*(D-1)
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

315.00
288.15
260.36
231.59
201.82
171.01
139.12
106.11
71.95
36.60

S/.
767.17
S/.
794.02
S/.
821.81
S/.
850.58
S/.
880.35
S/.
911.16
S/.
943.05
S/.
976.06
S/. 1,010.22
S/. 1,045.58

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
D
(D-1)-C
9,000.00
8,232.83
7,438.80
6,616.99
5,766.41
4,886.06
3,974.90
3,031.85
2,055.80
1,045.58
-

Prstamo =
Periodo=
TEM (B) =
Cuota (A) =

D-1 es el saldo del periodo anter

S/. 9,000.00
10 meses
3.50%
S/. 1,082.17
es el saldo del periodo anterior

Fondo Acumulado
Periodo

Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

E*(D-1)
0
1
2
3
0
1
2
3

C+(D-1)

S/.
S/.

67,582.72 S/.
67,582.72 S/.
S/.

S/.
8,109.93 S/.
17,193.04 S/.

67,582.72 S/.
75,692.65 S/.
17,193.04 S/.

0
67,582.72
143,275.37
160,468.42

S/.
S/.
S/.

14,376.36 S/.
14,376.36 S/.
14,376.36 S/.

S/.
2,746.12 S/.
6,016.78 S/.

14,376.36 S/.
17,122.48 S/.
20,393.15 S/.

14,376.36
31,498.84
51,891.99

D-1 es el saldo del periodo anterior

Capital=
Periodicidad =
Periodo=
TEM = (E)
Cuota=
Acumulado al 3 ao =
Falta acumular al 3 ao =
Capital=
Periodicidad =
Periodo=
TEC =
TEA = (E)
Cuota=

S/.

323,000.00
Semestral
4 semestres
12.0000%
S/.
67,582.72
S/. 271,108.01
S/.
51,891.99
S/. 323,000.00
Anual
3 aos
6%
19.1016%
S/.
14,376.36

Comprobacin = S/.

323,000.00

Fondo Acumulado
Periodo

Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

E*(D-1)
0
1
2
3
4
5
6

S/.
S/.
S/.
S/.

18,115.81 S/.
S/.
18,115.81 S/.
S/.
18,115.81 S/.
18,115.81 S/.

1,421.72
1,533.30
3,075.36
3,316.71
4,998.73

S/.
S/.
S/.
S/.
S/.
S/.

18,115.81
1,421.72
19,649.11
3,075.36
21,432.52
23,114.54

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.

0
18,115.81
19,537.53
39,186.64
42,262.00
63,694.52
86,809.05

D-1 es el saldo del periodo anterior

Capital=
Depsito =
Periodicidad =
Periodo=
TES =
TEC = (E)
Factor =
Cuota=
Cuota inicial acumulada =
Comprobacin =

S/. 123,000.00
S/.
23,000.00
Cuatrimestral
6 Cuatrimestres
12%
7.8479800%
1.078479800
S/.
18,115.81
S/.
36,190.95
S/. 123,000.00

Fondo Acumulado
Periodo

Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

E*(D-1)
0
1
2
3
4
5

S/.
S/.
S/.
S/.
S/.

527.49
527.49
1,582.46
250.00
827.49

S/.
S/.
S/.
S/.
S/.

9.86
19.90
49.86
55.46

S/.
S/.
S/.
S/.
S/.

527.49
537.35
1,602.36
299.86
882.95

C+(D-1)
S/.
S/.
S/.
S/.
S/.

0
527.49
1,064.83
2,667.20
2,967.05
3,850.00

D-1 es el saldo del periodo anterior

Capital= S/.
3,850.00
Trimestral
Periodicidad =
Incremento = S/.
300.00
Periodo=
5
TEC =
2.5% Cuatrimestres
TET = (E)
1.8692008%
Factor =
1.018692008
Cuota= S/.
527.49

Fondo Acumulado
Periodo

Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

E*(D-1)
0
1
2
3
4
5
6

S/.
S/.
S/.
S/.

26,218.48 S/.
S/.
26,218.48 S/.
S/.
26,218.48 S/.
26,218.48 S/.

1,528.55
1,617.67
3,240.53
1,411.77
2,074.89

S/.
S/.
S/.
S/.
S/.
S/.

26,218.48
1,528.55
27,836.15
3,240.53
27,630.25
28,293.37

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.

0
26,218.48
27,747.03
55,583.17
58,823.70
86,453.95
114,747.32

D-1 es el saldo del periodo anterior

Capital= S/. 145,000.00 S/. 114,747.32

Trimestral
Periodicidad =
Depsito = S/.
23,000.00
Periodo 1 =
4
Periodo 2 =
2
TES =
12.0% Cuatrimestres
TET 1 = (E)
5.8300524%
TET 2 = (E)
2.4000000%
Factor 1 =
1.058300524
Factor 2 =
1.024000000
Cuota= S/.
26,218.48

S/. 30,252.68

Fondo Acumulado
Periodo

Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

E*(D-1)
0
1
2
3
4
5
6

S/.
S/.
S/.
S/.
S/.
S/.

12,308.21
13,292.87
14,356.30
15,504.80
16,745.19
18,084.80

S/.
S/.
S/.
S/.
S/.
S/.

195.38
409.49
643.89
900.23
1,180.33

S/.
S/.
S/.
S/.
S/.
S/.

12,308.21
13,488.25
14,765.79
16,148.69
17,645.42
19,265.13

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.

0
12,308.21
25,796.46
40,562.25
56,710.94
74,356.35
93,621.49

D-1 es el saldo del periodo anterior

Capital=
Periodicidad =
Depsito =
Periodo 1 =
Gradiente =
TEC =
TEB = (E)
Cuota=
Comprobacin =

S/.

120,000.00
Bimestral
S/.
24,000.00 S/.
26,378.51
6
8%
3.2% bimestres
1.5874008%
S/.
12,308.21
S/.
120,000.00

Fondo Acumulado
Periodo

Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

E*(D-1)
0
1
2
3
4
5
6

S/.
S/.
S/.
S/.
S/.
S/.

274.55
624.55
974.55
1,324.55
1,674.55
2,024.55

S/.
S/.
S/.
S/.
S/.
S/.

9.57
31.66
66.73
115.21
177.57

S/.
S/.
S/.
S/.
S/.
S/.

274.55
634.12
1,006.22
1,391.28
1,789.76
2,202.13

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.

0
274.55
908.67
1,914.88
3,306.16
5,095.92
7,298.05

D-1 es el saldo del periodo anterior

Hoy
Capital=
Periodicidad =
Depsito =
Periodo 1 =
Gradiente =
TEM =
TEC = (E)
Cuota=
Comprobacin =

Futuro

S/.
10,000.00 S/.
7,298.05
Cuatrimestral
S/.
2,200.00 S/.
2,701.95
6
S/.
350.00
0.86% bimestres
3.4846310%
S/.
274.55
S/.
10,000.00

Fondo Acumulado
Periodo

Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

E*(D-1)
0
1
2
3
4
5
0
1
2
3

S/.
S/.
S/.
S/.
S/.

18,542.90
18,542.90
18,542.90
18,542.90
18,542.90

S/.
S/.
S/.
S/.
S/.

S/.
S/.
S/.

44,383.18 S/.
44,383.18 S/.
44,383.18 S/.

388.05
784.23
1,188.69
1,601.62

S/.
S/.
S/.
S/.
S/.

4,445.02 S/.
6,690.04 S/.
9,038.28 S/.

18,542.90
18,930.96
19,327.13
19,731.60
20,144.53

S/.
S/.
S/.
S/.
S/.
S/.
48,828.20 S/.
51,073.22 S/.
53,421.46 S/.

C+(D-1)
0
18,542.90
37,473.86
56,800.99
76,532.59
96,677.12
96,677.12
145,505.31
196,578.54
250,000.00

D-1 es el saldo del periodo anterior

Capital=
Periodicidad =
Periodo=
TET = (E)
Cuota=
Acumulado al ao =
Falta acumular al 3 ao =
Capital=
Periodicidad =
Periodo=
TNS c.45 =
TEA = (E)
Cuota=

S/.

250,000.00
Trimestral
12 Trimestres
2.0927%
S/.
18,542.90
S/. 110,634.69
S/. 139,365.31
S/. 139,365.31
Cuatrimestres
3 cuatrimestres
6.8%
4.5978%
S/.
44,383.18

Comprobacin = S/.

250,000.00

Fondo Acumulado
Periodo

Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

E*(D-1)
0
1
2
3
4

S/.
S/.
S/.
S/.

545.03
545.03
450.00
1,090.05

S/.
S/.
S/.
S/.

20.07
40.88
58.95

S/.
S/.
S/.
S/.

545.03
565.09
490.88
1,149.00

C+(D-1)
S/.
S/.
S/.
S/.

0
545.03
1,110.12
1,601.00
2,750.00

D-1 es el saldo del periodo anterior

Ahorro = S/.
2,750.00
Trimestral
Periodicidad =
Periodo=
4 Trimestres
TES =
7.5%
TET = (E)
3.6822068%
Factor =
1.036822068
Tercera cuota = S/.
450.00
Cuota= S/.
545.03

Fondo Acumulado
Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

Periodo

E*(D-1)
0
1
2
3
4
5
6
7

S/.
S/.
S/.
S/.
S/.
S/.
S/.

1,836.14
2,336.14
1,836.14
1,836.14
2,636.14
1,836.14
1,836.14

S/.
S/.
S/.
S/.
S/.
S/.
S/.

39.87
54.83
73.90
130.27
153.19
185.70
209.27

S/.
S/.
S/.
S/.
S/.
S/.
S/.

1,876.01
2,390.97
1,910.03
1,966.41
2,789.33
2,021.84
2,045.41

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

5,000.00
6,876.01
9,266.98
11,177.01
13,143.42
15,932.75
17,954.59
20,000.00

D-1 es el saldo del periodo anterior

Ahorro =
Periodicidad =
Depsito =
Periodo 1 =
Periodo 2 =
TEA =
TNS c.35 =
TET 1 = (E)
TET 2 = (E)
Factor 1 =
Factor 2 =
Cuota=
Cuota=

S/.
S/.

S/.
S/.

20,000.00
Mensual
5,000.00
3 Meses
4 Meses
10.0%
7.0%
0.7974140%
1.1655382%
1.007974140
1.011655382
1,836.14
1,836.14

Fondo Acumulado
Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

Periodo

E*(D-1)
0
1
2
3
4
5
6

S/.

4,500.00

S/. 5,500.00
S/.
S/.
-

S/.
S/.
S/.
S/.
S/.
S/.

28.95
29.14
64.71
84.36
85.06
85.77

S/.
28.95
S/. 5,529.14
S/.
64.71
S/.
84.36
S/.
85.06
S/.
85.77

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.
S/.

4,500.00
4,528.95
10,058.09
10,122.81
10,207.16
10,292.22
10,377.99

D-1 es el saldo del periodo anterior

Ahorro =
Periodicidad =
Depsito 1 =
Depsito 2 =
Periodo 1 =
Periodo 2 =
TEA =
TNS c.m. =
TET 1 = (E)
TET 2 = (E)
Factor 1 =
Factor 2 =
Cuota=

S/.
S/.
S/.

S/.

15,000.00
Mensual
4,500.00
5,500.00
3 Meses
3 Meses
8.0%
5.0%
0.6434030%
0.8333333%
1.006434030
1.008333333
2,263.53

Fondo Acumulado
Periodo

Depsito

Inters

Adic.Fond.

Fondo Acumulado

C
A+B

E*(D-1)
0
1
2
3
4
5
6
0
1
2
3
4
5
6

S/.
S/.
S/.
S/.
S/.
S/.

20,727.50
20,727.50
20,727.50
20,727.50
20,727.50
20,727.50

S/.
S/.
S/.
S/.
S/.
S/.

666.69
1,354.83
2,065.10
2,798.21
3,554.91

S/.
S/.
S/.
S/.
S/.
S/.

20,727.50
21,394.19
22,082.33
22,792.60
23,525.71
24,282.41

S/.
S/.
S/.
S/.
S/.
S/.

7,904.83
7,904.83
7,904.83
7,904.83
7,904.83
7,904.83

S/.
S/.
S/.
S/.
S/.
S/.

7,377.73
8,214.13
9,096.30
10,026.76
11,008.14
12,043.22

S/.
S/.
S/.
S/.
S/.
S/.

15,282.56
16,118.96
17,001.13
17,931.59
18,912.97
19,948.05

C+(D-1)
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0
20,727.50
42,121.69
64,204.02
86,996.62
110,522.33
134,804.74
134,804.74
150,087.30
166,206.26
183,207.39
201,138.98
220,051.95
240,000.00

D-1 es el saldo del periodo anterior

Capital=
Periodicidad =
Periodo=
TEA =
TET (E) =
Cuota=
Acumulado al 3 ao =
Falta acumular al 3 ao =
Capital=
Periodicidad =
Periodo=
TNS c.t. =
TES = (E)
Cuota=

S/.

240,000.00
trimestral
10 trimestres
13.5%
3.2165%
S/.
20,727.50
S/. 185,588.26
S/.
54,411.74
S/. 323,000.00
Semestral
6 semestres
5.4%
5.4729%
S/.
7,904.83

Comprobacin = S/.

240,000.00