CALCULADORA DE CALCULADORA DE

INTERÉS SIMPLE DESCUENTO SIMPLE

DATOS DATOS
(incógnita = x) (incógnita = x)
Capital = 194,805.190 Valor Presente = 9.756
Monto = x Valor Futuro = 10.000
Plazo (dias) = 60 Plazo (dias) = 182
Tasa de interés anual = 16.000% Tasa de descuento anual x
Días en el año = 360 Días en el año = 360

RESULTADO RESULTADO
Capital = #VALUE! Valor Presente = #VALUE!
Monto = 199,999.995 Valor Futuro = #VALUE!
Tasa de interés anual = #VALUE! Plazo (dias) = #VALUE!
Interés = 5,194.805 Tasa de descuento anual 4.826%
Plazo (dias) = #VALUE! CONVERSIÓN TASA DE INTERES /
Plazo (años) = #VALUE! TASA DE DESCUENTO
DIAS ENTRE DOS FECHAS DATOS:
Inicial 2/11/2008 (incógnita = x)
Final 4/18/2008 Tasa de Interés = x
Días = 67 Tasa de descuento = 11.8890%
Fecha Inicial = 1/16/2008 Plazo (en días) = 90
Más / Menos: Días = -90 RESULTADO:
Fecha Final = 10/18/2007 Tasa de Interés = 12.2532%
Tasa de descuento = #VALUE!
 CÁLCULO DE OPERACIONES FINANCIERAS
A INTERÉS COMPUESTO

DATOS (Incógnita = x)
Monto = 3,669.430
Capital = x
Tasa de Interés Anual = 16.000%
Frecuencia de Capitalización = 4
Periodos Totales de
Capitalización = 6.00
RESULTADOS:
Monto = #VALUE!
Capital = 2,900.004
Tasa de Interés Anual = #VALUE!
Frecuencia de Capitalización = #VALUE!
Periodos Totales de
Capitalización = #VALUE!
CONVERSIÓN DE TASA DE INTERÉS NOMINAL
A TASA EFECTIVA Y VICEVERSA
DATOS (Incógnita = x)
Frecuencia de Capitalización 12.857
Tasa de Interés Efectiva = x
Tasa anual de Interés = 4.620%
RESULTADOS
Tasa de Interés Efectiva = 4.720%
Tasa anual de Interés #VALUE!
TASA DE RENDIMIENTO EQUIVALENTE (EN CURVA)
DATOS
Frecuencia de Capitalización (m) = 12.857
Tasa anual de rendimiento (im) = 7.500%
Frecuencia de capitalización (q) = 4.932
RESULTADOS
Tasa de Rendimiento equivalente = 7.535%
Ejemplo 3.1 tasa anual = 24%

t Flujos Deuda VP en t = 0 Propuesta 1 VP en t = 0 Propuesta 2 VP en t = 0 Propuesta 3

0 0.00 0.00 0.00 0.00 0.00 0.00 3000.00
1 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 8000.00 7689.35 0.00 0.00 0.00 0.00 0.00
3 0.00 0.00 0.00 0.00 0.00 0.00 7828.66
4 10000.00 9238.45 0.00 0.00 0.00 0.00 0.00
5 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 0.00 0.00 0.00 0.00 10415.52 8715.24 7828.66
10 0.00 0.00 5000.00 4101.74 0.00 0.00 0.00
11 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 0.00 0.00 16266.55 12826.06 10415.52 8212.57 0.00
VP en t = 0 16927.80 16927.81 16927.81

Ejemplo 3.2 tasa anual = 8%

t Flujos Deuda VP en t = 0 Propuesta 1 VP en t = 0
0 0.00 0.00 0.00 0.00
1 4500.00 4326.92 0.00 0.00
2 14500.00 13406.07 125968.02 116464.52
3 4500.00 4000.48 0.00 0.00
4 164500.00 140615.29 125968.02 107677.99
5 0.00 0.00 0.00 0.00
6 10000.00 7903.15 125968.02 99554.36
7 0.00 0.00 0.00 0.00
8 210000.00 153444.94 0.00 0.00
VP en t = 0 323696.85 323696.86

Problema 3.1 tasa anual = 6%

t (semestres)Flujos Deuda VP en t = 0 Propuesta 1 VP en t = 0

0 0.00 0.00 0.00 0.00
1 0.00 0.00 0.00 0.00
2 0.00 0.00 0.00 0.00
3 0.00 0.00 0.00 0.00
4 250000.00 222121.76 0.00 0.00
5 0.00 0.00 0.00 0.00
6 0.00 0.00 566855.70 474732.72
7 0.00 0.00 0.00 0.00
8 320000.00 252610.95 0.00 0.00
VP en t = 0 474732.72 474732.72
Problema 3.2 tasa anual = 6% convertible trimestralmente
Tasa anual equivalente = 6.1364%
t (años) Flujos Deuda VP en t = 0 Propuesta 1 VP en t = 0
0 0.00 0.00 0.00 0.00
1 17000.00 16017.13 0.00 0.00
2 367000.00 325789.98 0.00 0.00
3 17000.00 14218.59 834056.25 697594.16
4 17000.00 13396.53 0.00 0.00
5 442000.00 328171.92 0.00 0.00
VP en t = 0 697594.15 697594.16

Problema 3.3 tasa anual = 10% convertible trimestralmente

t (años) Flujos Deuda VP en t = 0 Propuesta 1 VP en t = 0

0 0.00 0.00 39413.57 39413.57
1 16000.00 15238.10 0.00 0.00
2 16000.00 14512.47 24000.00 21768.71
3 16000.00 13821.40 0.00 0.00
4 416000.00 342244.23 24000.00 19744.86
5 0.00 0.00 0.00 0.00
6 0.00 0.00 24000.00 17909.17
7 0.00 0.00 0.00 0.00
8 0.00 0.00 424000.00 286979.89
VP en t = 0 385816.20 385816.20

Problema 3.4 tasa anual = 14.1463%

0 100000.00 100000.00 0.00 0.00
1 0.00 0.00 30000.00 26282.06
2 0.00 0.00 50000.00 38374.82
3 0.00 0.00 0.00 0.00
4 0.00 0.00 60000.00 35343.04
VP en t = 0 100000.00 99999.92
VP en t = 0
3000.00
0.00
0.00
7377.12
0.00
0.00
0.00
0.00
0.00
6550.67
0.00
0.00
0.00
16927.79
 Calcula el Número de Abonos Calcula el Valor del Abono Calcula la Tasa de Interés*
Calcula el Conociendo Conociendo Conociendo Conociendo Conociendo
VP y VF el Valor el Valor el Valor el Valor el Valor
de Abonos Presente Futuro Presente Futuro Presente
Pago al inicio (1) al final(0) (1) 0 0 0 0 0 0
Valor Presente del crédito (2) 2,074,551.32 2,074,551.32 X 2,074,551.32 X 5,700.00
Número de abonos (3) 36 36.00 212.64 36 36 12
Valor del abono (4) 75,000.00 75,000.00 75,000.00 75,000.00 75,000.00 573.00
Valor Futuro del préstamo (5) 3,545,697.69 X 113,545,697.69 X 3,545,697.69 X
Tasa de interés anual (6) 18.000% 18.000% 18.000% 18.000% 18.000% 36.129%
Tasa de interés por periodo (7) 1.500% 1.500% 1.500% 1.500% 1.500% 3.011%
Tasa de Interés Efectiva 19.562% 19.562% 19.562% 19.562% 19.562% 42.754%
Frecuencia de pagos en el año (8) 12 12 12 12 12 12
Tasa de prueba * = X X X X X 20%

(1) Indica si el abono es al final (0) o al inicio (1) del periodo.

(2) Valor del préstamo Incógnita
(3) Número total de abonos que liquidan el préstamo Resultado
(4) Cantidad que se debe pagar periódicamente Auxiliar
(5) Valor de los abonos al final del préstamo considerando capitalización periódica
(6) Tasa de interés nominal anual del préstamo
(7) Tasa de interés correspondiente al periodo del abono
(8) Número de abonos por año
(*) Si al calcular la tasa de interés produce error, modifica la tasa de prueba.
alcula la Tasa de Interés*
Conociendo
el Valor
Futuro
0
X
36
75000.00
3,545,697.69
18.000%
1.500%
19.562%
12
20%
Problema 6.2 Problema 6.3 Problema 6.4
Tasa = 12.75% 12.61688% tasa anu 9% Saldo
t= Flujos Flujos t VNA en t = 0 t inicial Abono Intereses
VNA en t$71,066.84 $71,066.86 0 $124,746.01 1 183000 7981.792 2135
1 3200 2381.43 1 0 2 177153.208 7981.792 2066.78743
2 5300 2381.43 2 0 3 171238.203 7981.792 1997.77904
3 4400 2381.43 3 0 4 165254.19 7981.792 1927.96556
4 6320 2381.43 4 0 5 159200.364 7981.792 1857.33758
5 2550 2381.43 5 0 6 153075.91 37981.792 1785.88561
6 12340 2381.43 6 0 7 116880.003 7981.792 1363.60004
7 4320 2381.43 7 0 8 110261.811 7981.792 1286.3878
8 8000 2381.43 8 0 9 103566.407 7981.792 1208.27475
9 8700 2381.43 9 10000 10 96792.8898 7981.792 1129.25038
10 9690 2381.43 10 10000 11 89940.3482 7981.792 1049.30406
11 14300 2381.43 11 10000 12 83007.8602 37981.792 968.425036
12 11000 2381.43 12 10000 13 45994.4933 7981.792 536.602422
13 2381.43 13 10000 14 38549.3037 7981.792 449.741876
14 2381.43 14 10000 15 31017.2536 7981.792 361.867958
15 2381.43 15 10000 16 23397.3295 7981.792 272.968845
16 2381.43 16 10000 17 15688.5064 7981.792 183.032574
17 2381.43 17 10000 18 7889.74695 7981.792 92.0470478
18 2381.43 18 10000
19 2381.43 19 10000 Problema 6.6 tasa = 1.50%
20 2381.43 20 10000 0 Depósito Intereses Saldo
21 2381.43 21 10000 1 7668.00 0.00 7668.00
22 2381.43 22 10000 2 7668.00 115.02 15451.02
23 2381.43 3 7668.00 231.77 23350.79
24 2381.43 4 7668.00 350.26 31369.05
25 2381.43 5 7668.00 470.54 39507.58
26 2381.43 6 7668.00 592.61 47768.20
27 2381.43 7 7668.00 716.52 56152.72
28 2381.43 8 7668.00 842.29 64663.01
29 2381.43 9 7668.00 969.95 73300.96
30 2381.43 10 7668.00 1099.51 82068.47
31 2381.43 11 7668.00 1231.03 90967.50
32 2381.43 12 7668.00 1364.51 100000.01
33 2381.43
34 2381.43 Problema 6.7 tasa = 2.25%
35 2381.43 0 Depósito Intereses Saldo
36 2381.43 1 44110.44 0.00 44110.44
2 44110.44 992.48 89213.37
3 44110.44 2007.30 135331.11
4 44110.44 3044.95 182486.50
5 44110.44 4105.95 230702.89
6 44110.44 5190.81 280004.14
 7 44110.44 6300.09 330414.68
8 44110.44 7434.33 381959.45
9 44110.44 8594.09 434663.98
10 44110.44 9779.94 488554.36
11 44110.44 10992.47 543657.27
12 44110.44 12232.29 600000.00

Problema 6.8 tasa = 9.00%

Saldo Inicial AmortizaciónIntereses
1 1000000.00 41666.67 7500.00
2 958333.33 41666.67 7187.50
3 916666.67 41666.67 6875.00
4 875000.00 41666.67 6562.50
5 833333.33 41666.67 6250.00
6 791666.67 41666.67 5937.50
7 750000.00 41666.67 5625.00
8 708333.33 41666.67 5312.50
9 666666.67 41666.67 5000.00
10 625000.00 41666.67 4687.50
11 583333.33 41666.67 4375.00
12 541666.67 41666.67 4062.50
13 500000.00 41666.67 3750.00
14 458333.33 41666.67 3437.50
15 416666.67 41666.67 3125.00
16 375000.00 41666.67 2812.50
17 333333.33 41666.67 2500.00
18 291666.67 41666.67 2187.50
19 250000.00 41666.67 1875.00
20 208333.33 41666.67 1562.50
21 166666.67 41666.67 1250.00
22 125000.00 41666.67 937.50
23 83333.33 41666.67 625.00
24 41666.67 41666.67 312.50
tasa = 14%
Saldo
AmortizaciónFinal
5846.792 177153.21
5915.00457 171238.20
5984.01296 165254.19
6053.82644 159200.36
6124.45442 153075.91
36195.9064 116880.00
6618.19196 110261.81
6695.4042 103566.41
6773.51725 96792.89
6852.54162 89940.35
6932.48794 83007.86
37013.367 45994.49
7445.18958 38549.30
7532.05012 31017.25
7619.92404 23397.33
7708.82316 15688.51
7798.75943 7889.75
7889.74495 0.00
Abono Saldo Final
49166.67 958333.33 $1,000,000.00
48854.17 916666.67
48541.67 875000.00
48229.17 833333.33
47916.67 791666.67
47604.17 750000.00
47291.67 708333.33
46979.17 666666.67
46666.67 625000.00
46354.17 583333.33
46041.67 541666.67
45729.17 500000.00
45416.67 458333.33
45104.17 416666.67
44791.67 375000.00
44479.17 333333.33
44166.67 291666.67
43854.17 250000.00
43541.67 208333.33
43229.17 166666.67
42916.67 125000.00
42604.17 83333.33
42291.67 41666.67
41979.17 0.00
 CÁLCULO DE BONOS
DATOS
Cupones que faltan pagar
Fracción del periodo para
el próximo cupón
Valor Nominal
Tasa Anual de Cupón
Número de Cupones al año
Tasa de Rendimiento Anual
CÁLCULOS AUXILIARES
Valor del cupón del periodo
Tasa de Rendimiento del periodo
RESULTADOS
Precio del Bono
Interés Devengado
Precio completo
Tasa corriente de rendimiento
Duración (años)
Duración Modificada
DÍAS ENTRE DOS FECHAS
Fecha inicial
Fecha final
Días
6 FRACCIÓN DEL PERIODO PARA PRÓXIMO CUPÓN
Número de cupones por año
0.2778 Fecha próximo cupón
100.00 Fecha de compra del bono
9.88% Fracción del periodo para el
2 próximo cupón
5.400%
CÁLCULO DEL RENDIMIENTO DEL BONO
4.94 Fecha de liquidación
2.700% Fecha de vencimiento
Tasa anual del cupón
110.869 Precio (por cada $ 100)
3.568 Valor de rescate (por cada $ 100)
114.437 Frecuencia de cupones en el año
8.911% Base (360 días al año = 0)
2.401 Tasa de Rendimiento Anual
2.338
OS FECHAS
6/12/2007
8/1/2007
50
ARA PRÓXIMO CUPÓN
2
8/1/2007
6/12/2007

0.2777778

MIENTO DEL BONO

6/12/2007
2/1/2010
9.880%
110.87
100
2
0
5.396%
TABLA HIPOTÉTICA DE VIDA Y MUERTE i=
Columnas conmutativas al 2.5 % 0.02500

x lx dx qx p(x) e (x ) vx Dx Nx Cx
0 100000 1870 0.018700 0.98130 73.26 1.00000 100000.000 3326817.664 1824.390244
1 98130 175 0.001783 0.99822 73.65 0.97561 95736.585 3226817.664 166.5675193
2 97955 123 0.001256 0.99874 72.78 0.95181 93234.979 3131081.079 114.2177275
3 97832 81 0.000828 0.99917 71.87 0.92860 90846.738 3037846.099 73.38200223
4 97751 62 0.000634 0.99937 70.93 0.90595 88557.581 2946999.362 54.79896583
5 97689 51 0.000522 0.99948 69.98 0.88385 86342.842 2858441.780 43.97714016
6 97638 34 0.000348 0.99965 69.01 0.86230 84192.941 2772098.939 28.60301799
7 97604 31 0.000318 0.99968 68.04 0.84127 82110.852 2687905.997 25.4431437
8 97573 30 0.000307 0.99969 67.06 0.82075 80082.705 2605795.145 24.02185085
9 97543 27 0.000277 0.99972 66.08 0.80073 78105.447 2525712.440 21.09235685
10 97516 24 0.000246 0.99975 65.10 0.78120 76179.343 2447606.994 18.29147477
11 97492 23 0.000236 0.99976 64.11 0.76214 74303.019 2371427.650 17.10178536
12 97469 29 0.000298 0.99970 63.13 0.74356 72473.649 2297124.631 21.03719089
13 97440 36 0.000369 0.99963 62.15 0.72542 70684.961 2224650.983 25.47817905
14 97404 43 0.000441 0.99956 61.17 0.70773 68935.460 2153966.021 29.69001894
15 97361 54 0.000555 0.99945 60.20 0.69047 67224.417 2085030.561 36.37574641
16 97307 67 0.000689 0.99931 59.23 0.67362 65548.421 2017806.144 44.03206882
17 97240 79 0.000812 0.99919 58.27 0.65720 63905.647 1952257.723 50.65210684
18 97161 94 0.000967 0.99903 57.32 0.64117 62296.321 1888352.076 58.79960534
19 97067 102 0.001051 0.99895 56.37 0.62553 60718.099 1826055.755 62.24763617
20 96965 108 0.001114 0.99889 55.43 0.61027 59174.922 1765337.656 64.30171886
21 96857 113 0.001167 0.99883 54.49 0.59539 57667.329 1706162.734 65.6377076
22 96744 118 0.001220 0.99878 53.55 0.58086 56195.172 1648495.404 66.87027409
23 96626 121 0.001252 0.99875 52.62 0.56670 54757.687 1592300.233 66.89791786
24 96505 125 0.001295 0.99870 51.68 0.55288 53355.236 1537542.546 67.42382368
25 96380 128 0.001328 0.99867 50.75 0.53939 51986.465 1484187.309 67.35804434
26 96252 134 0.001392 0.99861 49.82 0.52623 50651.144 1432200.844 68.79556358
27 96118 137 0.001425 0.99857 48.89 0.51340 49346.955 1381549.700 68.62025636
28 95981 141 0.001469 0.99853 47.96 0.50088 48074.751 1332202.745 68.90123658
29 95840 149 0.001555 0.99845 47.03 0.48866 46833.294 1284127.994 71.03466009
30 95691 153 0.001599 0.99840 46.10 0.47674 45619.984 1237294.700 71.16256667
31 95538 159 0.001664 0.99834 45.17 0.46511 44436.139 1191674.716 72.14951761
32 95379 169 0.001772 0.99823 44.24 0.45377 43280.181 1147238.577 74.81680305
33 95210 179 0.001880 0.99812 43.32 0.44270 42149.750 1103958.395 77.3110564
34 95031 189 0.001989 0.99801 42.40 0.43191 41044.397 1061808.645 79.63913155
35 94842 204 0.002151 0.99785 41.49 0.42137 39963.675 1020764.248 83.86311955
36 94638 217 0.002293 0.99771 40.58 0.41109 38905.088 980800.573 87.03154923
37 94421 232 0.002457 0.99754 39.67 0.40107 37869.152 941895.486 90.77810237
38 94189 246 0.002612 0.99739 38.76 0.39128 36854.736 904026.334 93.90838177
39 93943 264 0.002810 0.99719 37.86 0.38174 35861.931 867171.598 98.32168466
40 93679 284 0.003032 0.99697 36.97 0.37243 34888.928 831309.667 103.1905338
41 93395 304 0.003255 0.99675 36.08 0.36335 33934.788 796420.739 107.7633881
42 93091 325 0.003491 0.99651 35.20 0.35448 32999.347 762485.950 112.3976288
43 92766 345 0.003719 0.99628 34.32 0.34584 32082.087 729486.603 116.4042985
44 92421 372 0.004025 0.99597 33.44 0.33740 31183.193 697404.515 122.4528781
45 92049 394 0.004280 0.99572 32.58 0.32917 30300.175 666221.322 126.5314293
46 91655 426 0.004648 0.99535 31.72 0.32115 29434.615 635921.148 133.4713108
47 91229 452 0.004955 0.99505 30.86 0.31331 28583.226 606486.533 138.1633631
48 90777 480 0.005288 0.99471 30.01 0.30567 27747.911 577903.307 143.1435663
 49 90297 515 0.005703 0.99430 29.17 0.29822 26927.989 550155.396 149.8352371
50 89782 547 0.006093 0.99391 28.33 0.29094 26121.373 523227.408 155.2637929
51 89235 582 0.006522 0.99348 27.50 0.28385 25329.003 497106.034 161.1691755
52 88653 621 0.007005 0.99300 26.68 0.27692 24550.053 471777.031 167.7748018
53 88032 650 0.007384 0.99262 25.87 0.27017 23783.497 447226.978 171.3265326
54 87382 705 0.008068 0.99193 25.05 0.26358 23032.085 423443.482 181.2911152
55 86677 741 0.008549 0.99145 24.25 0.25715 22289.035 400411.397 185.9010086
56 85936 807 0.009391 0.99061 23.46 0.25088 21559.499 378122.362 197.520969
57 85129 829 0.009738 0.99026 22.68 0.24476 20836.137 356562.862 197.9567604
58 84300 910 0.010795 0.98921 21.89 0.23879 20129.982 335726.725 211.9987666
59 83390 973 0.011668 0.98833 21.13 0.23297 19427.008 315596.743 221.146931
60 82417 1050 0.012740 0.98726 20.37 0.22728 18732.031 296169.736 232.82709
61 81367 1098 0.013494 0.98651 19.63 0.22174 18042.326 277437.704 237.5323065
62 80269 1183 0.014738 0.98526 18.89 0.21633 17364.737 259395.379 249.6785451
63 79086 1239 0.015666 0.98433 18.17 0.21106 16691.528 242030.642 255.1196564
64 77847 1319 0.016943 0.98306 17.45 0.20591 16029.298 225339.114 264.9680716
65 76528 1384 0.018085 0.98192 16.74 0.20089 15373.371 209309.816 271.2445209
66 75144 1470 0.019562 0.98044 16.04 0.19599 14727.166 193936.445 281.072498
67 73674 1581 0.021459 0.97854 15.35 0.19121 14086.895 179209.279 294.9232583
68 72093 1689 0.023428 0.97657 14.67 0.18654 13448.389 165122.384 307.3851889
69 70404 1802 0.025595 0.97440 14.01 0.18199 12812.994 151673.996 319.9515432
70 68602 1917 0.027944 0.97206 13.37 0.17755 12180.530 138861.002 332.0684921
71 66685 2030 0.030442 0.96956 12.74 0.17322 11551.376 126680.471 343.0660402
72 64655 2152 0.033284 0.96672 12.12 0.16900 10926.569 115129.095 354.8134655
73 62503 2279 0.036462 0.96354 11.52 0.16488 10305.254 104202.526 366.5880352
74 60224 2409 0.040001 0.96000 10.94 0.16085 9687.318 93897.273 378.0479571
75 57815 2532 0.043795 0.95621 10.37 0.15693 9072.994 84209.955 387.659054
76 55283 2643 0.047809 0.95219 9.83 0.15310 8464.042 75136.961 394.7839863
77 52640 2753 0.052299 0.94770 9.29 0.14937 7862.818 66672.918 401.1850223
78 49887 2856 0.057249 0.94275 8.78 0.14573 7269.857 58810.100 406.0437567
79 47031 2955 0.062831 0.93717 8.28 0.14217 6686.500 51540.242 409.8720028
80 44076 3038 0.068926 0.93107 7.80 0.13870 6113.543 44853.743 411.1068117
81 41038 3100 0.075540 0.92446 7.35 0.13532 5553.325 38740.200 409.2651187
82 37938 3139 0.082740 0.91726 6.91 0.13202 5008.613 33186.875 404.3062809
83 34799 3156 0.090692 0.90931 6.48 0.12880 4482.145 28178.262 396.5813635
84 31643 3145 0.099390 0.90061 6.08 0.12566 3976.243 23696.117 385.5601064
85 28498 3097 0.108674 0.89133 5.70 0.12259 3493.702 19719.873 370.4151846
86 25401 3015 0.118696 0.88130 5.33 0.11960 3038.074 16226.172 351.8123067
87 22386 2901 0.129590 0.87041 4.98 0.11669 2612.163 13188.097 330.2536106
88 19485 2753 0.141288 0.85871 4.65 0.11384 2218.198 10575.935 305.7610714
89 16732 2575 0.153897 0.84610 4.33 0.11106 1858.334 8357.737 279.016154
90 14157 2371 0.167479 0.83252 4.02 0.10836 1533.993 6499.403 250.6454374
91 11786 2145 0.181996 0.81800 3.73 0.10571 1245.933 4965.410 221.2237147
92 9641 1904 0.197490 0.80251 3.45 0.10313 994.321 3719.477 191.5788062
93 7737 1656 0.214036 0.78596 3.18 0.10062 778.490 2725.156 162.5612334
94 6081 1408 0.231541 0.76846 2.91 0.09816 596.941 1946.666 134.8451847
95 4673 1168 0.249947 0.75005 2.63 0.09577 447.537 1349.725 109.1319123
96 3505 944 0.269330 0.73067 2.35 0.09343 327.489 902.188 86.05122383
97 2561 742 0.289731 0.71027 2.03 0.09116 233.450 574.699 65.98801993
98 1819 566 0.311160 0.68884 1.65 0.08893 161.768 341.248 49.10817077
99 1253 417 0.332801 0.66720 1.17 0.08676 108.715 179.480 35.29795262
100 836 836 1.000000 0.00000 0.50 0.08465 70.765 70.765 69.03921949
101 0 0 #DIV/0! 0.08258 0.000 70.765 0
 100000
90000
80000
70000
60000
50000
40000
30000
20000
10000
0
-19 1 21 41 61 81 101
 Mx
18858.10576
17033.71552
16867.148
16752.93027
16679.54827
16624.7493
16580.77216
16552.16914
16526.726
16502.70415
16481.61179
16463.32032
16446.21853
16425.18134
16399.70316
16370.01314
16333.6374
16289.60533
16238.95322
16180.15361
16117.90598
16053.60426
15987.96655
15921.09628
15854.19836
15786.77454
15719.41649
15650.62093
15582.00067
15513.09944
15442.06478
15370.90221
15298.75269
15223.93589
15146.62483
15066.9857
14983.12258
14896.09103
14805.31293
14711.40455
14613.08286
14509.89233
14402.12894
14289.73131
14173.32701
14050.87414
13924.34271
13790.87139
13652.70803
13509.56447
13359.72923
13204.46544
13043.29626
12875.52146
12704.19493
12522.90381
12337.0028
12139.48183
11941.52507
11729.52631
11508.37937
11275.55228
11038.01998
10788.34143
10533.22178
10268.25371
9997.009184
9715.936686
9421.013428
9113.628239
8793.676696
8461.608204
8118.542164
7763.728698
7397.140663
7019.092706
6631.433652
6236.649666
5835.464643
5429.420887
5019.548884
4608.442072
4199.176953
3794.870673
3398.289309
3012.729203
2642.314018
2290.501711
1960.248101
1654.487029
1375.470875
1124.825438
903.6017232
712.022917
549.4616836
414.6164989
305.4845866
219.4333628
153.4453429
104.3371721
69.03921949
69.03921949
100000
99000
98000
97000
96000
95000
94000
93000
92000
91000
90000
0 5 10 15 20 25 30 35 40
CAPÍTULO 11 - SALARIO MENSUAL $ 5,000.00

Bimes- Salario Aporta- Cuota Aportación Comisión Rendi- Saldo Renta

tre Bimestral ción Social Total miento Final Anual
1 10000 650 222.57 872.57 0.00 0.00 872.6
2 10000 650 222.57 872.57 2.47 9.74 1,752.4
3 10000 650 222.57 872.57 4.97 19.57 2,639.6
4 10000 650 222.57 872.57 7.48 29.48 3,534.1
5 10000 650 222.57 872.57 10.01 39.46 4,436.2
6 10000 650 222.57 872.57 12.57 49.54 5,345.7
7 10000 650 222.57 872.57 15.15 59.69 6,262.8
8 10000 650 222.57 872.57 17.74 69.93 7,187.6
9 10000 650 222.57 872.57 20.36 80.26 8,120.0
10 10000 650 222.57 872.57 23.01 90.67 9,060.3
11 10000 650 222.57 872.57 25.67 101.17 10,008.4
12 10000 650 222.57 872.57 28.36 111.76 10,964.3
13 10000 650 222.57 872.57 31.07 122.44 11,928.3
14 10000 650 222.57 872.57 33.80 133.20 12,900.2
15 10000 650 222.57 872.57 36.55 144.05 13,880.3
16 10000 650 222.57 872.57 39.33 155.00 14,868.6
17 10000 650 222.57 872.57 42.13 166.03 15,865.0
18 10000 650 222.57 872.57 44.95 177.16 16,869.8
19 10000 650 222.57 872.57 47.80 188.38 17,883.0
20 10000 650 222.57 872.57 50.67 199.69 18,904.5
21 10000 650 222.57 872.57 53.56 211.10 19,934.7
22 10000 650 222.57 872.57 56.48 222.60 20,973.3
23 10000 650 222.57 872.57 59.42 234.20 22,020.7
24 10000 650 222.57 872.57 62.39 245.90 23,076.8
25 10000 650 222.57 872.57 65.38 257.69 24,141.6
26 10000 650 222.57 872.57 68.40 269.58 25,215.4
27 10000 650 222.57 872.57 71.44 281.57 26,298.1
28 10000 650 222.57 872.57 74.51 293.66 27,389.8
29 10000 650 222.57 872.57 77.60 305.85 28,490.6
30 10000 650 222.57 872.57 80.72 318.15 29,600.6
31 10000 650 222.57 872.57 83.87 330.54 30,719.9
32 10000 650 222.57 872.57 87.04 343.04 31,848.4
33 10000 650 222.57 872.57 90.24 355.64 32,986.4
34 10000 650 222.57 872.57 93.46 368.35 34,133.9
35 10000 650 222.57 872.57 96.71 381.16 35,290.9
36 10000 650 222.57 872.57 99.99 394.08 36,457.5
37 10000 650 222.57 872.57 103.30 407.11 37,633.9
38 10000 650 222.57 872.57 106.63 420.25 38,820.1
39 10000 650 222.57 872.57 109.99 433.49 40,016.2
40 10000 650 222.57 872.57 113.38 446.85 41,222.2
41 10000 650 222.57 872.57 116.80 460.31 42,438.3
42 10000 650 222.57 872.57 120.24 473.89 43,664.5
43 10000 650 222.57 872.57 123.72 487.59 44,901.0
44 10000 650 222.57 872.57 127.22 501.39 46,147.7
45 10000 650 222.57 872.57 130.75 515.32 47,404.8
46 10000 650 222.57 872.57 134.31 529.35 48,672.5
47 10000 650 222.57 872.57 137.91 543.51 49,950.6
48 10000 650 222.57 872.57 141.53 557.78 51,239.4
49 10000 650 222.57 872.57 145.18 572.17 52,539.0
50 10000 650 222.57 872.57 148.86 586.69 53,849.4
51 10000 650 222.57 872.57 152.57 601.32 55,170.7
52 10000 650 222.57 872.57 156.32 616.07 56,503.0
53 10000 650 222.57 872.57 160.09 630.95 57,846.5
54 10000 650 222.57 872.57 163.90 645.95 59,201.1
55 10000 650 222.57 872.57 167.74 661.08 60,567.0
56 10000 650 222.57 872.57 171.61 676.33 61,944.3
57 10000 650 222.57 872.57 175.51 691.71 63,333.1
58 10000 650 222.57 872.57 179.44 707.22 64,733.4
59 10000 650 222.57 872.57 183.41 722.86 66,145.4
60 10000 650 222.57 872.57 187.41 738.62 67,569.2
61 10000 650 222.57 872.57 191.45 754.52 69,004.9
62 10000 650 222.57 872.57 195.51 770.55 70,452.5
63 10000 650 222.57 872.57 199.62 786.72 71,912.1
64 10000 650 222.57 872.57 203.75 803.02 73,384.0
65 10000 650 222.57 872.57 207.92 819.45 74,868.1
66 10000 650 222.57 872.57 212.13 836.03 76,364.6
67 10000 650 222.57 872.57 216.37 852.74 77,873.5
68 10000 650 222.57 872.57 220.64 869.59 79,395.0
69 10000 650 222.57 872.57 224.95 886.58 80,929.2
70 10000 650 222.57 872.57 229.30 903.71 82,476.2
71 10000 650 222.57 872.57 233.68 920.98 84,036.1
72 10000 650 222.57 872.57 238.10 938.40 85,608.9
73 10000 650 222.57 872.57 242.56 955.97 87,194.9
74 10000 650 222.57 872.57 247.05 973.68 88,794.1
75 10000 650 222.57 872.57 251.58 991.53 90,406.6
76 10000 650 222.57 872.57 256.15 1,009.54 92,032.6
77 10000 650 222.57 872.57 260.76 1,027.70 93,672.1
78 10000 650 222.57 872.57 265.40 1,046.00 95,325.3
79 10000 650 222.57 872.57 270.09 1,064.47 96,992.2
80 10000 650 222.57 872.57 274.81 1,083.08 98,673.0
81 10000 650 222.57 872.57 279.57 1,101.85 100,367.9
82 10000 650 222.57 872.57 284.38 1,120.77 102,076.9
83 10000 650 222.57 872.57 289.22 1,139.86 103,800.1
84 10000 650 222.57 872.57 294.10 1,159.10 105,537.6
85 10000 650 222.57 872.57 299.02 1,178.50 107,289.7
86 10000 650 222.57 872.57 303.99 1,198.07 109,056.3
 87 10000 650 222.57 872.57 308.99 1,217.80 110,837.7
88 10000 650 222.57 872.57 314.04 1,237.69 112,633.9
89 10000 650 222.57 872.57 319.13 1,257.75 114,445.1
90 10000 650 222.57 872.57 324.26 1,277.97 116,271.4
91 10000 650 222.57 872.57 329.44 1,298.36 118,112.9
92 10000 650 222.57 872.57 334.65 1,318.93 119,969.7
93 10000 650 222.57 872.57 339.91 1,339.66 121,842.0
94 10000 650 222.57 872.57 345.22 1,360.57 123,730.0
95 10000 650 222.57 872.57 350.57 1,381.65 125,633.6
96 10000 650 222.57 872.57 355.96 1,402.91 127,553.1
97 10000 650 222.57 872.57 361.40 1,424.34 129,488.6
98 10000 650 222.57 872.57 366.88 1,445.96 131,440.3
99 10000 650 222.57 872.57 372.41 1,467.75 133,408.2
100 10000 650 222.57 872.57 377.99 1,489.72 135,392.5
101 10000 650 222.57 872.57 383.61 1,511.88 137,393.3
102 10000 650 222.57 872.57 389.28 1,534.23 139,410.9
103 10000 650 222.57 872.57 395.00 1,556.75 141,445.2
104 10000 650 222.57 872.57 400.76 1,579.47 143,496.5
105 10000 650 222.57 872.57 406.57 1,602.38 145,564.8
106 10000 650 222.57 872.57 412.43 1,625.47 147,650.4
107 10000 650 222.57 872.57 418.34 1,648.76 149,753.4
108 10000 650 222.57 872.57 424.30 1,672.25 151,873.9
109 10000 650 222.57 872.57 430.31 1,695.93 154,012.1
110 10000 650 222.57 872.57 436.37 1,719.80 156,168.1
111 10000 650 222.57 872.57 442.48 1,743.88 158,342.1
112 10000 650 222.57 872.57 448.64 1,768.15 160,534.2
113 10000 650 222.57 872.57 454.85 1,792.63 162,744.5
114 10000 650 222.57 872.57 461.11 1,817.31 164,973.3
115 10000 650 222.57 872.57 467.42 1,842.20 167,220.7
116 10000 650 222.57 872.57 473.79 1,867.30 169,486.7
117 10000 650 222.57 872.57 480.21 1,892.60 171,771.7
118 10000 650 222.57 872.57 486.69 1,918.12 174,075.7
119 10000 650 222.57 872.57 493.21 1,943.85 176,398.9
120 10000 650 222.57 872.57 499.80 1,969.79 178,741.5
121 10000 650 222.57 872.57 506.43 1,995.95 181,103.5
122 10000 650 222.57 872.57 513.13 2,022.32 183,485.3
123 10000 650 222.57 872.57 519.88 2,048.92 185,886.9
124 10000 650 222.57 872.57 526.68 2,075.74 188,308.5
125 10000 650 222.57 872.57 533.54 2,102.78 190,750.4
126 10000 650 222.57 872.57 540.46 2,130.05 193,212.5
127 10000 650 222.57 872.57 547.44 2,157.54 195,695.2
128 10000 650 222.57 872.57 554.47 2,185.26 198,198.5
129 10000 650 222.57 872.57 561.56 2,213.22 200,722.8
130 10000 650 222.57 872.57 568.71 2,241.40 203,268.0
131 10000 650 222.57 872.57 575.93 2,269.83 205,834.5
132 10000 650 222.57 872.57 583.20 2,298.49 208,422.4
133 10000 650 222.57 872.57 590.53 2,327.38 211,031.8
134 10000 650 222.57 872.57 597.92 2,356.52 213,662.9
135 10000 650 222.57 872.57 605.38 2,385.90 216,316.0
136 10000 650 222.57 872.57 612.90 2,415.53 218,991.2
137 10000 650 222.57 872.57 620.48 2,445.40 221,688.7
138 10000 650 222.57 872.57 628.12 2,475.52 224,408.7
139 10000 650 222.57 872.57 635.82 2,505.90 227,151.4
140 10000 650 222.57 872.57 643.60 2,536.52 229,916.9
141 10000 650 222.57 872.57 651.43 2,567.40 232,705.4
142 10000 650 222.57 872.57 659.33 2,598.54 235,517.2
143 10000 650 222.57 872.57 667.30 2,629.94 238,352.4
144 10000 650 222.57 872.57 675.33 2,661.60 241,211.2
145 10000 650 222.57 872.57 683.43 2,693.53 244,093.9
146 10000 650 222.57 872.57 691.60 2,725.72 247,000.6
147 10000 650 222.57 872.57 699.83 2,758.17 249,931.5
148 10000 650 222.57 872.57 708.14 2,790.90 252,886.8
149 10000 650 222.57 872.57 716.51 2,823.90 255,866.8
150 10000 650 222.57 872.57 724.96 2,857.18 258,871.6
151 10000 650 222.57 872.57 733.47 2,890.73 261,901.4
152 10000 650 222.57 872.57 742.05 2,924.57 264,956.5
153 10000 650 222.57 872.57 750.71 2,958.68 268,037.0
154 10000 650 222.57 872.57 759.44 2,993.08 271,143.2
155 10000 650 222.57 872.57 768.24 3,027.77 274,275.3
156 10000 650 222.57 872.57 777.11 3,062.74 277,433.5
157 10000 650 222.57 872.57 786.06 3,098.01 280,618.0
158 10000 650 222.57 872.57 795.08 3,133.57 283,829.1
159 10000 650 222.57 872.57 804.18 3,169.42 287,066.9
160 10000 650 222.57 872.57 813.36 3,205.58 290,331.7
161 10000 650 222.57 872.57 822.61 3,242.04 293,623.7
162 10000 650 222.57 872.57 831.93 3,278.80 296,943.1
163 10000 650 222.57 872.57 841.34 3,315.87 300,290.2
164 10000 650 222.57 872.57 850.82 3,353.24 303,665.2
165 10000 650 222.57 872.57 860.38 3,390.93 307,068.3
166 10000 650 222.57 872.57 870.03 3,428.93 310,499.8
167 10000 650 222.57 872.57 879.75 3,467.25 313,959.9
168 10000 650 222.57 872.57 889.55 3,505.89 317,448.8
169 10000 650 222.57 872.57 899.44 3,544.84 320,966.8
170 10000 650 222.57 872.57 909.41 3,584.13 324,514.0
171 10000 650 222.57 872.57 919.46 3,623.74 328,090.9
172 10000 650 222.57 872.57 929.59 3,663.68 331,697.6
173 10000 650 222.57 872.57 939.81 3,703.96 335,334.3
174 10000 650 222.57 872.57 950.11 3,744.57 339,001.3
175 10000 650 222.57 872.57 960.50 3,785.51 342,698.9
176 10000 650 222.57 872.57 970.98 3,826.80 346,427.3
177 10000 650 222.57 872.57 981.54 3,868.44 350,186.7
178 10000 650 222.57 872.57 992.20 3,910.42 353,977.5
179 10000 650 222.57 872.57 1,002.94 3,952.75 357,799.9
180 10000 650 222.57 872.57 1,013.77 3,995.43 361,654.1
181 10000 650 222.57 872.57 1,024.69 4,038.47 365,540.5
182 10000 650 222.57 872.57 1,035.70 4,081.87 369,459.2
183 10000 650 222.57 872.57 1,046.80 4,125.63 373,410.6
184 10000 650 222.57 872.57 1,058.00 4,169.75 377,395.0
185 10000 650 222.57 872.57 1,069.29 4,214.24 381,412.5
186 10000 650 222.57 872.57 1,080.67 4,259.11 385,463.5
187 10000 650 222.57 872.57 1,092.15 4,304.34 389,548.3
188 10000 650 222.57 872.57 1,103.72 4,349.96 393,667.1
189 10000 650 222.57 872.57 1,115.39 4,395.95 397,820.2
190 10000 650 222.57 872.57 1,127.16 4,442.33 402,007.9
191 10000 650 222.57 872.57 1,139.02 4,489.09 406,230.6
192 10000 650 222.57 872.57 1,150.99 4,536.24 410,488.4
193 10000 650 222.57 872.57 1,163.05 4,583.79 414,781.7
194 10000 650 222.57 872.57 1,175.21 4,631.73 419,110.8
195 10000 650 222.57 872.57 1,187.48 4,680.07 423,475.9
196 10000 650 222.57 872.57 1,199.85 4,728.81 427,877.5
197 10000 650 222.57 872.57 1,212.32 4,777.97 432,315.7
198 10000 650 222.57 872.57 1,224.89 4,827.53 436,790.9
199 10000 650 222.57 872.57 1,237.57 4,877.50 441,303.4
200 10000 650 222.57 872.57 1,250.36 4,927.89 445,853.5
201 10000 650 222.57 872.57 1,263.25 4,978.70 450,441.5
202 10000 650 222.57 872.57 1,276.25 5,029.93 455,067.7
203 10000 650 222.57 872.57 1,289.36 5,081.59 459,732.5
204 10000 650 222.57 872.57 1,302.58 5,133.68 464,436.2
205 10000 650 222.57 872.57 1,315.90 5,186.20 469,179.1
206 10000 650 222.57 872.57 1,329.34 5,239.17 473,961.5
207 10000 650 222.57 872.57 1,342.89 5,292.57 478,783.7
208 10000 650 222.57 872.57 1,356.55 5,346.42 483,646.2
209 10000 650 222.57 872.57 1,370.33 5,400.72 488,549.1
210 10000 650 222.57 872.57 1,384.22 5,455.47 493,492.9
211 10000 650 222.57 872.57 1,398.23 5,510.67 498,477.9
212 10000 650 222.57 872.57 1,412.35 5,566.34 503,504.5
213 10000 650 222.57 872.57 1,426.60 5,622.47 508,572.9
214 10000 650 222.57 872.57 1,440.96 5,679.06 513,683.6
215 10000 650 222.57 872.57 1,455.44 5,736.13 518,836.9
216 10000 650 222.57 872.57 1,470.04 5,793.68 524,033.1
217 10000 650 222.57 872.57 1,484.76 5,851.70 529,272.6
218 10000 650 222.57 872.57 1,499.61 5,910.21 534,555.8
219 10000 650 222.57 872.57 1,514.57 5,969.21 539,883.0
220 10000 650 222.57 872.57 1,529.67 6,028.69 545,254.6
221 10000 650 222.57 872.57 1,544.89 6,088.68 550,670.9
 222 10000 650 222.57 872.57 1,560.23 6,149.16 556,132.4
223 10000 650 222.57 872.57 1,575.71 6,210.15 561,639.4
224 10000 650 222.57 872.57 1,591.31 6,271.64 567,192.3
225 10000 650 222.57 872.57 1,607.04 6,333.65 572,791.5
226 10000 650 222.57 872.57 1,622.91 6,396.17 578,437.3
227 10000 650 222.57 872.57 1,638.91 6,459.22 584,130.2
228 10000 650 222.57 872.57 1,655.04 6,522.79 589,870.5
229 10000 650 222.57 872.57 1,671.30 6,586.89 595,658.7
230 10000 650 222.57 872.57 1,687.70 6,651.52 601,495.1
231 10000 650 222.57 872.57 1,704.24 6,716.70 607,380.1
232 10000 650 222.57 872.57 1,720.91 6,782.41 613,314.2
233 10000 650 222.57 872.57 1,737.72 6,848.67 619,297.7
234 10000 650 222.57 872.57 1,754.68 6,915.49 625,331.1
235 10000 650 222.57 872.57 1,771.77 6,982.86 631,414.7
236 10000 650 222.57 872.57 1,789.01 7,050.80 637,549.1
237 10000 650 222.57 872.57 1,806.39 7,119.30 643,734.6
238 10000 650 222.57 872.57 1,823.91 7,188.37 649,971.6
239 10000 650 222.57 872.57 1,841.59 7,258.02 656,260.6
240 10000 650 222.57 872.57 1,859.41 7,328.24 662,602.0

Saldo Acumulado en la Cuenta del Trabajador

Ingreso Mensual del Trabajador
1,644 5,000 10,000 20,000
25 258,871.6
30 361,654.1
35 493,492.9
40 662,602.0

Renta Vitalicia Mensual y Tasa de Remplazo

Ingreso Mensual del Trabajador
1,650 5,000 10,000 20,000
RV TR RV TR RV TR RV
25 1,650.1 33.0%
30 2,305.3 46.1%
35 3,145.6 62.9%
40 4,223.6 84.5%

Saldo Acumulado Necesario para una Tasa de remplazo del 100% = 258,853.76

Bimes- Salario Aporta- Cuota Aportación Comisión Rendi- Saldo

tre Bimestral ción Social Total miento Final
149 10000 650 222.57 872.57 716.51 2,823.90 255,866.8
150 10000 650 222.57 872.57 724.96 2,857.18 258,871.6
151 10000 650 222.57 872.57 733.47 2,890.73 261,901.4
Ingreso Mensual del trabajador = 5,000.000
Porcentaje de Aportación = 6.50%
Cuota Social del Estado por día cotizado = $ 3.70949
Comisión anual nominal = 1.700000%
Tasa de rendimiento bruto anual = 6.700000%
Tasa neta de rendimiento anual efectivo = 5.105331%
 D65 15373.371
N66 193936.45
D/N= 0.0792702
N/D = 12.615089
Factor
de Ajuste 0.4583333
N/D+fa = 13.073422

20,000
TR
6bis
0.084852632

Estado
0.00
#DIV/0!

0.00

#DIV/0!
0
CAPÍTULO 11 - SALARIO MENSUAL $ 10,000.00

Bimes- Salario Aporta- Cuota Aportación Comisión Intereses Saldo Renta

tre Bimestral ción Social Total Final Anual
1 20000 1300 212.89 1,512.89 0.00 0.00 1,512.9
2 20000 1300 212.89 1,512.89 4.29 16.89 3,038.4
3 20000 1300 212.89 1,512.89 8.61 33.93 4,576.6
4 20000 1300 212.89 1,512.89 12.97 51.11 6,127.6
5 20000 1300 212.89 1,512.89 17.36 68.43 7,691.6
6 20000 1300 212.89 1,512.89 21.79 85.89 9,268.6
7 20000 1300 212.89 1,512.89 26.26 103.50 10,858.7
8 20000 1300 212.89 1,512.89 30.77 121.26 12,462.1
9 20000 1300 212.89 1,512.89 35.31 139.16 14,078.8
10 20000 1300 212.89 1,512.89 39.89 157.21 15,709.0
11 20000 1300 212.89 1,512.89 44.51 175.42 17,352.8
12 20000 1300 212.89 1,512.89 49.17 193.77 19,010.3
13 20000 1300 212.89 1,512.89 53.86 212.28 20,681.7
14 20000 1300 212.89 1,512.89 58.60 230.95 22,366.9
15 20000 1300 212.89 1,512.89 63.37 249.76 24,066.2
16 20000 1300 212.89 1,512.89 68.19 268.74 25,779.6
17 20000 1300 212.89 1,512.89 73.04 287.87 27,507.3
18 20000 1300 212.89 1,512.89 77.94 307.17 29,249.5
19 20000 1300 212.89 1,512.89 82.87 326.62 31,006.1
20 20000 1300 212.89 1,512.89 87.85 346.23 32,777.4
21 20000 1300 212.89 1,512.89 92.87 366.01 34,563.4
22 20000 1300 212.89 1,512.89 97.93 385.96 36,364.3
23 20000 1300 212.89 1,512.89 103.03 406.07 38,180.3
24 20000 1300 212.89 1,512.89 108.18 426.35 40,011.3
25 20000 1300 212.89 1,512.89 113.37 446.79 41,857.6
26 20000 1300 212.89 1,512.89 118.60 467.41 43,719.4
27 20000 1300 212.89 1,512.89 123.87 488.20 45,596.6
28 20000 1300 212.89 1,512.89 129.19 509.16 47,489.4
29 20000 1300 212.89 1,512.89 134.55 530.30 49,398.1
30 20000 1300 212.89 1,512.89 139.96 551.61 51,322.6
31 20000 1300 212.89 1,512.89 145.41 573.10 53,263.2
32 20000 1300 212.89 1,512.89 150.91 594.77 55,219.9
33 20000 1300 212.89 1,512.89 156.46 616.62 57,193.0
34 20000 1300 212.89 1,512.89 162.05 638.66 59,182.5
35 20000 1300 212.89 1,512.89 167.68 660.87 61,188.6
36 20000 1300 212.89 1,512.89 173.37 683.27 63,211.4
37 20000 1300 212.89 1,512.89 179.10 705.86 65,251.0
38 20000 1300 212.89 1,512.89 184.88 728.64 67,307.7
39 20000 1300 212.89 1,512.89 190.71 751.60 69,381.5
40 20000 1300 212.89 1,512.89 196.58 774.76 71,472.5
41 20000 1300 212.89 1,512.89 202.51 798.11 73,581.0
42 20000 1300 212.89 1,512.89 208.48 821.65 75,707.1
43 20000 1300 212.89 1,512.89 214.50 845.40 77,850.9
44 20000 1300 212.89 1,512.89 220.58 869.34 80,012.5
45 20000 1300 212.89 1,512.89 226.70 893.47 82,192.2
46 20000 1300 212.89 1,512.89 232.88 917.81 84,390.0
47 20000 1300 212.89 1,512.89 239.11 942.36 86,606.2
48 20000 1300 212.89 1,512.89 245.38 967.10 88,840.8
49 20000 1300 212.89 1,512.89 251.72 992.06 91,094.0
50 20000 1300 212.89 1,512.89 258.10 1,017.22 93,366.0
51 20000 1300 212.89 1,512.89 264.54 1,042.59 95,657.0
52 20000 1300 212.89 1,512.89 271.03 1,068.17 97,967.0
53 20000 1300 212.89 1,512.89 277.57 1,093.96 100,296.3
54 20000 1300 212.89 1,512.89 284.17 1,119.98 102,645.0
55 20000 1300 212.89 1,512.89 290.83 1,146.20 105,013.2
56 20000 1300 212.89 1,512.89 297.54 1,172.65 107,401.3
57 20000 1300 212.89 1,512.89 304.30 1,199.31 109,809.2
58 20000 1300 212.89 1,512.89 311.13 1,226.20 112,237.1
59 20000 1300 212.89 1,512.89 318.01 1,253.31 114,685.3
60 20000 1300 212.89 1,512.89 324.94 1,280.65 117,153.9
61 20000 1300 212.89 1,512.89 331.94 1,308.22 119,643.1
62 20000 1300 212.89 1,512.89 338.99 1,336.01 122,153.0
63 20000 1300 212.89 1,512.89 346.10 1,364.04 124,683.9
64 20000 1300 212.89 1,512.89 353.27 1,392.30 127,235.8
65 20000 1300 212.89 1,512.89 360.50 1,420.80 129,809.0
66 20000 1300 212.89 1,512.89 367.79 1,449.53 132,403.6
67 20000 1300 212.89 1,512.89 375.14 1,478.51 135,019.9
68 20000 1300 212.89 1,512.89 382.56 1,507.72 137,657.9
69 20000 1300 212.89 1,512.89 390.03 1,537.18 140,318.0
70 20000 1300 212.89 1,512.89 397.57 1,566.88 143,000.2
71 20000 1300 212.89 1,512.89 405.17 1,596.84 145,704.7
72 20000 1300 212.89 1,512.89 412.83 1,627.04 148,431.8
73 20000 1300 212.89 1,512.89 420.56 1,657.49 151,181.6
74 20000 1300 212.89 1,512.89 428.35 1,688.20 153,954.4
75 20000 1300 212.89 1,512.89 436.20 1,719.16 156,750.2
76 20000 1300 212.89 1,512.89 444.13 1,750.38 159,569.4
77 20000 1300 212.89 1,512.89 452.11 1,781.86 162,412.0
78 20000 1300 212.89 1,512.89 460.17 1,813.60 165,278.3
79 20000 1300 212.89 1,512.89 468.29 1,845.61 168,168.5
80 20000 1300 212.89 1,512.89 476.48 1,877.88 171,082.8
81 20000 1300 212.89 1,512.89 484.73 1,910.43 174,021.4
82 20000 1300 212.89 1,512.89 493.06 1,943.24 176,984.5
83 20000 1300 212.89 1,512.89 501.46 1,976.33 179,972.3
84 20000 1300 212.89 1,512.89 509.92 2,009.69 182,984.9
85 20000 1300 212.89 1,512.89 518.46 2,043.33 186,022.7
86 20000 1300 212.89 1,512.89 527.06 2,077.25 189,085.8
 87 20000 1300 212.89 1,512.89 535.74 2,111.46 192,174.4
88 20000 1300 212.89 1,512.89 544.49 2,145.95 195,288.7
89 20000 1300 212.89 1,512.89 553.32 2,180.72 198,429.0
90 20000 1300 212.89 1,512.89 562.22 2,215.79 201,595.5
91 20000 1300 212.89 1,512.89 571.19 2,251.15 204,788.3
92 20000 1300 212.89 1,512.89 580.23 2,286.80 208,007.8
93 20000 1300 212.89 1,512.89 589.36 2,322.75 211,254.1
94 20000 1300 212.89 1,512.89 598.55 2,359.00 214,527.4
95 20000 1300 212.89 1,512.89 607.83 2,395.56 217,828.1
96 20000 1300 212.89 1,512.89 617.18 2,432.41 221,156.2
97 20000 1300 212.89 1,512.89 626.61 2,469.58 224,512.0
98 20000 1300 212.89 1,512.89 636.12 2,507.05 227,895.9
99 20000 1300 212.89 1,512.89 645.70 2,544.84 231,307.9
100 20000 1300 212.89 1,512.89 655.37 2,582.94 234,748.3
101 20000 1300 212.89 1,512.89 665.12 2,621.36 238,217.5
102 20000 1300 212.89 1,512.89 674.95 2,660.10 241,715.5
103 20000 1300 212.89 1,512.89 684.86 2,699.16 245,242.7
104 20000 1300 212.89 1,512.89 694.85 2,738.54 248,799.3
105 20000 1300 212.89 1,512.89 704.93 2,778.26 252,385.5
106 20000 1300 212.89 1,512.89 715.09 2,818.30 256,001.6
107 20000 1300 212.89 1,512.89 725.34 2,858.68 259,647.8
108 20000 1300 212.89 1,512.89 735.67 2,899.40 263,324.5
109 20000 1300 212.89 1,512.89 746.09 2,940.46 267,031.7
110 20000 1300 212.89 1,512.89 756.59 2,981.85 270,769.9
111 20000 1300 212.89 1,512.89 767.18 3,023.60 274,539.2
112 20000 1300 212.89 1,512.89 777.86 3,065.69 278,339.9
113 20000 1300 212.89 1,512.89 788.63 3,108.13 282,172.3
114 20000 1300 212.89 1,512.89 799.49 3,150.92 286,036.6
115 20000 1300 212.89 1,512.89 810.44 3,194.08 289,933.2
116 20000 1300 212.89 1,512.89 821.48 3,237.59 293,862.2
117 20000 1300 212.89 1,512.89 832.61 3,281.46 297,823.9
118 20000 1300 212.89 1,512.89 843.83 3,325.70 301,818.7
119 20000 1300 212.89 1,512.89 855.15 3,370.31 305,846.7
120 20000 1300 212.89 1,512.89 866.57 3,415.29 309,908.3
121 20000 1300 212.89 1,512.89 878.07 3,460.64 314,003.8
122 20000 1300 212.89 1,512.89 889.68 3,506.38 318,133.4
123 20000 1300 212.89 1,512.89 901.38 3,552.49 322,297.4
124 20000 1300 212.89 1,512.89 913.18 3,598.99 326,496.1
125 20000 1300 212.89 1,512.89 925.07 3,645.87 330,729.8
126 20000 1300 212.89 1,512.89 937.07 3,693.15 334,998.8
127 20000 1300 212.89 1,512.89 949.16 3,740.82 339,303.3
128 20000 1300 212.89 1,512.89 961.36 3,788.89 343,643.7
129 20000 1300 212.89 1,512.89 973.66 3,837.35 348,020.3
130 20000 1300 212.89 1,512.89 986.06 3,886.23 352,433.4
131 20000 1300 212.89 1,512.89 998.56 3,935.51 356,883.2
132 20000 1300 212.89 1,512.89 1,011.17 3,985.20 361,370.1
133 20000 1300 212.89 1,512.89 1,023.88 4,035.30 365,894.4
134 20000 1300 212.89 1,512.89 1,036.70 4,085.82 370,456.5
135 20000 1300 212.89 1,512.89 1,049.63 4,136.76 375,056.5
136 20000 1300 212.89 1,512.89 1,062.66 4,188.13 379,694.8
137 20000 1300 212.89 1,512.89 1,075.80 4,239.93 384,371.9
138 20000 1300 212.89 1,512.89 1,089.05 4,292.15 389,087.8
139 20000 1300 212.89 1,512.89 1,102.42 4,344.81 393,843.1
140 20000 1300 212.89 1,512.89 1,115.89 4,397.92 398,638.1
141 20000 1300 212.89 1,512.89 1,129.47 4,451.46 403,472.9
142 20000 1300 212.89 1,512.89 1,143.17 4,505.45 408,348.1
143 20000 1300 212.89 1,512.89 1,156.99 4,559.89 413,263.9
144 20000 1300 212.89 1,512.89 1,170.91 4,614.78 418,220.7
145 20000 1300 212.89 1,512.89 1,184.96 4,670.13 423,218.7
146 20000 1300 212.89 1,512.89 1,199.12 4,725.94 428,258.4
147 20000 1300 212.89 1,512.89 1,213.40 4,782.22 433,340.1
148 20000 1300 212.89 1,512.89 1,227.80 4,838.96 438,464.2
149 20000 1300 212.89 1,512.89 1,242.32 4,896.18 443,631.0
150 20000 1300 212.89 1,512.89 1,256.95 4,953.88 448,840.8
151 20000 1300 212.89 1,512.89 1,271.72 5,012.06 454,094.0
152 20000 1300 212.89 1,512.89 1,286.60 5,070.72 459,391.0
153 20000 1300 212.89 1,512.89 1,301.61 5,129.87 464,732.2
154 20000 1300 212.89 1,512.89 1,316.74 5,189.51 470,117.8
155 20000 1300 212.89 1,512.89 1,332.00 5,249.65 475,548.4
156 20000 1300 212.89 1,512.89 1,347.39 5,310.29 481,024.2
157 20000 1300 212.89 1,512.89 1,362.90 5,371.44 486,545.6
158 20000 1300 212.89 1,512.89 1,378.55 5,433.09 492,113.0
159 20000 1300 212.89 1,512.89 1,394.32 5,495.26 497,726.9
160 20000 1300 212.89 1,512.89 1,410.23 5,557.95 503,387.5
161 20000 1300 212.89 1,512.89 1,426.26 5,621.16 509,095.3
162 20000 1300 212.89 1,512.89 1,442.44 5,684.90 514,850.6
163 20000 1300 212.89 1,512.89 1,458.74 5,749.17 520,653.9
164 20000 1300 212.89 1,512.89 1,475.19 5,813.97 526,505.6
165 20000 1300 212.89 1,512.89 1,491.77 5,879.31 532,406.0
166 20000 1300 212.89 1,512.89 1,508.48 5,945.20 538,355.7
167 20000 1300 212.89 1,512.89 1,525.34 6,011.64 544,354.8
168 20000 1300 212.89 1,512.89 1,542.34 6,078.63 550,404.0
169 20000 1300 212.89 1,512.89 1,559.48 6,146.18 556,503.6
170 20000 1300 212.89 1,512.89 1,576.76 6,214.29 562,654.0
171 20000 1300 212.89 1,512.89 1,594.19 6,282.97 568,855.7
172 20000 1300 212.89 1,512.89 1,611.76 6,352.22 575,109.1
173 20000 1300 212.89 1,512.89 1,629.48 6,422.05 581,414.5
174 20000 1300 212.89 1,512.89 1,647.34 6,492.46 587,772.6
175 20000 1300 212.89 1,512.89 1,665.36 6,563.46 594,183.6
176 20000 1300 212.89 1,512.89 1,683.52 6,635.05 600,648.0
177 20000 1300 212.89 1,512.89 1,701.84 6,707.24 607,166.3
178 20000 1300 212.89 1,512.89 1,720.30 6,780.02 613,738.9
179 20000 1300 212.89 1,512.89 1,738.93 6,853.42 620,366.3
180 20000 1300 212.89 1,512.89 1,757.70 6,927.42 627,048.9
181 20000 1300 212.89 1,512.89 1,776.64 7,002.05 633,787.2
182 20000 1300 212.89 1,512.89 1,795.73 7,077.29 640,581.6
183 20000 1300 212.89 1,512.89 1,814.98 7,153.16 647,432.7
184 20000 1300 212.89 1,512.89 1,834.39 7,229.67 654,340.9
185 20000 1300 212.89 1,512.89 1,853.97 7,306.81 661,306.6
186 20000 1300 212.89 1,512.89 1,873.70 7,384.59 668,330.4
187 20000 1300 212.89 1,512.89 1,893.60 7,463.02 675,412.7
188 20000 1300 212.89 1,512.89 1,913.67 7,542.11 682,554.0
189 20000 1300 212.89 1,512.89 1,933.90 7,621.85 689,754.9
190 20000 1300 212.89 1,512.89 1,954.31 7,702.26 697,015.7
191 20000 1300 212.89 1,512.89 1,974.88 7,783.34 704,337.1
192 20000 1300 212.89 1,512.89 1,995.62 7,865.10 711,719.4
193 20000 1300 212.89 1,512.89 2,016.54 7,947.53 719,163.3
194 20000 1300 212.89 1,512.89 2,037.63 8,030.66 726,669.2
195 20000 1300 212.89 1,512.89 2,058.90 8,114.47 734,237.7
196 20000 1300 212.89 1,512.89 2,080.34 8,198.99 741,869.2
197 20000 1300 212.89 1,512.89 2,101.96 8,284.21 749,564.4
198 20000 1300 212.89 1,512.89 2,123.77 8,370.14 757,323.6
199 20000 1300 212.89 1,512.89 2,145.75 8,456.78 765,147.6
200 20000 1300 212.89 1,512.89 2,167.92 8,544.15 773,036.7
201 20000 1300 212.89 1,512.89 2,190.27 8,632.24 780,991.6
202 20000 1300 212.89 1,512.89 2,212.81 8,721.07 789,012.7
203 20000 1300 212.89 1,512.89 2,235.54 8,810.64 797,100.7
204 20000 1300 212.89 1,512.89 2,258.45 8,900.96 805,256.1
205 20000 1300 212.89 1,512.89 2,281.56 8,992.03 813,479.5
206 20000 1300 212.89 1,512.89 2,304.86 9,083.85 821,771.3
207 20000 1300 212.89 1,512.89 2,328.35 9,176.45 830,132.3
208 20000 1300 212.89 1,512.89 2,352.04 9,269.81 838,563.0
209 20000 1300 212.89 1,512.89 2,375.93 9,363.95 847,063.9
210 20000 1300 212.89 1,512.89 2,400.01 9,458.88 855,635.7
211 20000 1300 212.89 1,512.89 2,424.30 9,554.60 864,278.9
212 20000 1300 212.89 1,512.89 2,448.79 9,651.11 872,994.1
213 20000 1300 212.89 1,512.89 2,473.48 9,748.43 881,781.9
214 20000 1300 212.89 1,512.89 2,498.38 9,846.56 890,643.0
215 20000 1300 212.89 1,512.89 2,523.49 9,945.51 899,577.9
216 20000 1300 212.89 1,512.89 2,548.80 10,045.29 908,587.3
217 20000 1300 212.89 1,512.89 2,574.33 10,145.89 917,671.7
218 20000 1300 212.89 1,512.89 2,600.07 10,247.33 926,831.9
219 20000 1300 212.89 1,512.89 2,626.02 10,349.62 936,068.4
220 20000 1300 212.89 1,512.89 2,652.19 10,452.76 945,381.8
221 20000 1300 212.89 1,512.89 2,678.58 10,556.76 954,772.9
222 20000 1300 212.89 1,512.89 2,705.19 10,661.63 964,242.3
223 20000 1300 212.89 1,512.89 2,732.02 10,767.37 973,790.5
224 20000 1300 212.89 1,512.89 2,759.07 10,873.99 983,418.3
225 20000 1300 212.89 1,512.89 2,786.35 10,981.50 993,126.4
226 20000 1300 212.89 1,512.89 2,813.86 11,089.91 1,002,915.3
227 20000 1300 212.89 1,512.89 2,841.59 11,199.22 1,012,785.8
228 20000 1300 212.89 1,512.89 2,869.56 11,309.44 1,022,738.6
229 20000 1300 212.89 1,512.89 2,897.76 11,420.58 1,032,774.3
230 20000 1300 212.89 1,512.89 2,926.19 11,532.65 1,042,893.7
231 20000 1300 212.89 1,512.89 2,954.87 11,645.65 1,053,097.3
232 20000 1300 212.89 1,512.89 2,983.78 11,759.59 1,063,386.0
233 20000 1300 212.89 1,512.89 3,012.93 11,874.48 1,073,760.5
234 20000 1300 212.89 1,512.89 3,042.32 11,990.33 1,084,221.4
235 20000 1300 212.89 1,512.89 3,071.96 12,107.14 1,094,769.4
236 20000 1300 212.89 1,512.89 3,101.85 12,224.93 1,105,405.4
237 20000 1300 212.89 1,512.89 3,131.98 12,343.69 1,116,130.0
238 20000 1300 212.89 1,512.89 3,162.37 12,463.45 1,126,944.0
239 20000 1300 212.89 1,512.89 3,193.01 12,584.21 1,137,848.1
240 20000 1300 212.89 1,512.89 3,223.90 12,705.97 1,148,843.0

Saldo Acumulado en la Cuenta del Trabajador

Ingreso Mensual del Trabajador
1,644 10,000 10,000 20,000
25 448,840.8
30 627,048.9
35 855,635.7
40 1,148,843.0

Renta Vitalicia Mensual y Tasa de Remplazo

Ingreso Mensual del Trabajador
1,644 10,000 10,000 20,000
RV TR RV TR RV TR RV
25 2,861.0 28.6%
30 3,997.0 40.0%
35 5,454.0 54.5%
40 7,323.0 73.2%

Saldo Acumulado Necesario para una Tasa de remplazo del 100% = 257,912.48
Ingreso Mensual del trabajador = 10,000.000
Porcente de Aportación = 6.50%
Cuota Social del Estado por día cotizado = $ 3.54820
Comisión anual nominal = 1.700000%
Tasa de rendimiento bruto anual = 6.700000%
Tasa neta de rendimiento anual efectivo = 5.105331%
 D65 15373.371
N66 193936.45
D/N= 0.0792702
N/D = 12.615089
Factor
de Ajuste 0.4583333
N/D+fa = 13.073422

20,000
TR
6bis
0.084852632

Estado
0.00
#DIV/0!

0.00

#DIV/0!
0
CAPÍTULO 11 - SALARIO MENSUAL $ 20,000.00

Bimes- Salario Aporta- Cuota Aportación Comisión Intereses Saldo Renta

tre Bimestral ción Social Total Final Anual
1 40000 2600 193.54 2,793.54 0.00 0.00 2,793.5
2 40000 2600 193.54 2,793.54 7.92 31.19 5,610.4
3 40000 2600 193.54 2,793.54 15.90 62.65 8,450.6
4 40000 2600 193.54 2,793.54 23.94 94.37 11,314.6
5 40000 2600 193.54 2,793.54 32.06 126.35 14,202.4
6 40000 2600 193.54 2,793.54 40.24 158.59 17,114.3
7 40000 2600 193.54 2,793.54 48.49 191.11 20,050.5
8 40000 2600 193.54 2,793.54 56.81 223.90 23,011.1
9 40000 2600 193.54 2,793.54 65.20 256.96 25,996.4
10 40000 2600 193.54 2,793.54 73.66 290.29 29,006.6
11 40000 2600 193.54 2,793.54 82.19 323.91 32,041.8
12 40000 2600 193.54 2,793.54 90.79 357.80 35,102.4
13 40000 2600 193.54 2,793.54 99.46 391.98 38,188.5
14 40000 2600 193.54 2,793.54 108.20 426.44 41,300.2
15 40000 2600 193.54 2,793.54 117.02 461.19 44,437.9
16 40000 2600 193.54 2,793.54 125.91 496.22 47,601.8
17 40000 2600 193.54 2,793.54 134.87 531.55 50,792.0
18 40000 2600 193.54 2,793.54 143.91 567.18 54,008.8
19 40000 2600 193.54 2,793.54 153.02 603.10 57,252.4
20 40000 2600 193.54 2,793.54 162.22 639.32 60,523.1
21 40000 2600 193.54 2,793.54 171.48 675.84 63,821.0
22 40000 2600 193.54 2,793.54 180.83 712.67 67,146.3
23 40000 2600 193.54 2,793.54 190.25 749.80 70,499.4
24 40000 2600 193.54 2,793.54 199.75 787.24 73,880.5
25 40000 2600 193.54 2,793.54 209.33 825.00 77,289.7
26 40000 2600 193.54 2,793.54 218.99 863.07 80,727.3
27 40000 2600 193.54 2,793.54 228.73 901.45 84,193.6
28 40000 2600 193.54 2,793.54 238.55 940.16 87,688.7
29 40000 2600 193.54 2,793.54 248.45 979.19 91,213.0
30 40000 2600 193.54 2,793.54 258.44 1,018.55 94,766.6
31 40000 2600 193.54 2,793.54 268.51 1,058.23 98,349.9
32 40000 2600 193.54 2,793.54 278.66 1,098.24 101,963.0
33 40000 2600 193.54 2,793.54 288.90 1,138.59 105,606.3
34 40000 2600 193.54 2,793.54 299.22 1,179.27 109,279.8
35 40000 2600 193.54 2,793.54 309.63 1,220.29 112,984.0
36 40000 2600 193.54 2,793.54 320.12 1,261.66 116,719.1
37 40000 2600 193.54 2,793.54 330.70 1,303.36 120,485.3
38 40000 2600 193.54 2,793.54 341.38 1,345.42 124,282.9
39 40000 2600 193.54 2,793.54 352.13 1,387.83 128,112.1
40 40000 2600 193.54 2,793.54 362.98 1,430.59 131,973.3
41 40000 2600 193.54 2,793.54 373.92 1,473.70 135,866.6
42 40000 2600 193.54 2,793.54 384.96 1,517.18 139,792.3
43 40000 2600 193.54 2,793.54 396.08 1,561.01 143,750.8
44 40000 2600 193.54 2,793.54 407.29 1,605.22 147,742.3
45 40000 2600 193.54 2,793.54 418.60 1,649.79 151,767.0
46 40000 2600 193.54 2,793.54 430.01 1,694.73 155,825.3
47 40000 2600 193.54 2,793.54 441.50 1,740.05 159,917.4
48 40000 2600 193.54 2,793.54 453.10 1,785.74 164,043.5
49 40000 2600 193.54 2,793.54 464.79 1,831.82 168,204.1
50 40000 2600 193.54 2,793.54 476.58 1,878.28 172,399.3
51 40000 2600 193.54 2,793.54 488.46 1,925.13 176,629.5
52 40000 2600 193.54 2,793.54 500.45 1,972.36 180,895.0
53 40000 2600 193.54 2,793.54 512.54 2,019.99 185,196.0
54 40000 2600 193.54 2,793.54 524.72 2,068.02 189,532.8
55 40000 2600 193.54 2,793.54 537.01 2,116.45 193,905.8
56 40000 2600 193.54 2,793.54 549.40 2,165.28 198,315.2
57 40000 2600 193.54 2,793.54 561.89 2,214.52 202,761.4
58 40000 2600 193.54 2,793.54 574.49 2,264.17 207,244.6
59 40000 2600 193.54 2,793.54 587.19 2,314.23 211,765.2
60 40000 2600 193.54 2,793.54 600.00 2,364.71 216,323.4
61 40000 2600 193.54 2,793.54 612.92 2,415.61 220,919.7
62 40000 2600 193.54 2,793.54 625.94 2,466.94 225,554.2
63 40000 2600 193.54 2,793.54 639.07 2,518.69 230,227.4
64 40000 2600 193.54 2,793.54 652.31 2,570.87 234,939.5
65 40000 2600 193.54 2,793.54 665.66 2,623.49 239,690.8
66 40000 2600 193.54 2,793.54 679.12 2,676.55 244,481.8
67 40000 2600 193.54 2,793.54 692.70 2,730.05 249,312.7
68 40000 2600 193.54 2,793.54 706.39 2,783.99 254,183.8
69 40000 2600 193.54 2,793.54 720.19 2,838.39 259,095.6
70 40000 2600 193.54 2,793.54 734.10 2,893.23 264,048.2
71 40000 2600 193.54 2,793.54 748.14 2,948.54 269,042.2
72 40000 2600 193.54 2,793.54 762.29 3,004.30 274,077.7
73 40000 2600 193.54 2,793.54 776.55 3,060.53 279,155.2
74 40000 2600 193.54 2,793.54 790.94 3,117.23 284,275.1
75 40000 2600 193.54 2,793.54 805.45 3,174.40 289,437.6
76 40000 2600 193.54 2,793.54 820.07 3,232.05 294,643.1
77 40000 2600 193.54 2,793.54 834.82 3,290.18 299,892.0
78 40000 2600 193.54 2,793.54 849.69 3,348.79 305,184.6
79 40000 2600 193.54 2,793.54 864.69 3,407.89 310,521.4
80 40000 2600 193.54 2,793.54 879.81 3,467.49 315,902.6
81 40000 2600 193.54 2,793.54 895.06 3,527.58 321,328.6
82 40000 2600 193.54 2,793.54 910.43 3,588.17 326,799.9
83 40000 2600 193.54 2,793.54 925.93 3,649.27 332,316.8
84 40000 2600 193.54 2,793.54 941.56 3,710.87 337,879.6
85 40000 2600 193.54 2,793.54 957.33 3,772.99 343,488.8
86 40000 2600 193.54 2,793.54 973.22 3,835.63 349,144.8
 87 40000 2600 193.54 2,793.54 989.24 3,898.78 354,847.9
88 40000 2600 193.54 2,793.54 1,005.40 3,962.47 360,598.5
89 40000 2600 193.54 2,793.54 1,021.70 4,026.68 366,397.0
90 40000 2600 193.54 2,793.54 1,038.12 4,091.43 372,243.8
91 40000 2600 193.54 2,793.54 1,054.69 4,156.72 378,139.4
92 40000 2600 193.54 2,793.54 1,071.39 4,222.56 384,084.1
93 40000 2600 193.54 2,793.54 1,088.24 4,288.94 390,078.3
94 40000 2600 193.54 2,793.54 1,105.22 4,355.87 396,122.5
95 40000 2600 193.54 2,793.54 1,122.35 4,423.37 402,217.1
96 40000 2600 193.54 2,793.54 1,139.62 4,491.42 408,362.4
97 40000 2600 193.54 2,793.54 1,157.03 4,560.05 414,559.0
98 40000 2600 193.54 2,793.54 1,174.58 4,629.24 420,807.2
99 40000 2600 193.54 2,793.54 1,192.29 4,699.01 427,107.5
100 40000 2600 193.54 2,793.54 1,210.14 4,769.37 433,460.2
101 40000 2600 193.54 2,793.54 1,228.14 4,840.31 439,865.9
102 40000 2600 193.54 2,793.54 1,246.29 4,911.84 446,325.0
103 40000 2600 193.54 2,793.54 1,264.59 4,983.96 452,837.9
104 40000 2600 193.54 2,793.54 1,283.04 5,056.69 459,405.1
105 40000 2600 193.54 2,793.54 1,301.65 5,130.02 466,027.0
106 40000 2600 193.54 2,793.54 1,320.41 5,203.97 472,704.1
107 40000 2600 193.54 2,793.54 1,339.33 5,278.53 479,436.9
108 40000 2600 193.54 2,793.54 1,358.40 5,353.71 486,225.7
109 40000 2600 193.54 2,793.54 1,377.64 5,429.52 493,071.1
110 40000 2600 193.54 2,793.54 1,397.03 5,505.96 499,973.6
111 40000 2600 193.54 2,793.54 1,416.59 5,583.04 506,933.6
112 40000 2600 193.54 2,793.54 1,436.31 5,660.76 513,951.6
113 40000 2600 193.54 2,793.54 1,456.20 5,739.13 521,028.1
114 40000 2600 193.54 2,793.54 1,476.25 5,818.15 528,163.5
115 40000 2600 193.54 2,793.54 1,496.46 5,897.83 535,358.4
116 40000 2600 193.54 2,793.54 1,516.85 5,978.17 542,613.3
117 40000 2600 193.54 2,793.54 1,537.40 6,059.18 549,928.6
118 40000 2600 193.54 2,793.54 1,558.13 6,140.87 557,304.8
119 40000 2600 193.54 2,793.54 1,579.03 6,223.24 564,742.6
120 40000 2600 193.54 2,793.54 1,600.10 6,306.29 572,242.3
121 40000 2600 193.54 2,793.54 1,621.35 6,390.04 579,804.5
122 40000 2600 193.54 2,793.54 1,642.78 6,474.48 587,429.8
123 40000 2600 193.54 2,793.54 1,664.38 6,559.63 595,118.6
124 40000 2600 193.54 2,793.54 1,686.17 6,645.49 602,871.4
125 40000 2600 193.54 2,793.54 1,708.14 6,732.06 610,688.9
126 40000 2600 193.54 2,793.54 1,730.29 6,819.36 618,571.5
127 40000 2600 193.54 2,793.54 1,752.62 6,907.38 626,519.8
128 40000 2600 193.54 2,793.54 1,775.14 6,996.14 634,534.3
129 40000 2600 193.54 2,793.54 1,797.85 7,085.63 642,615.7
130 40000 2600 193.54 2,793.54 1,820.74 7,175.87 650,764.3
131 40000 2600 193.54 2,793.54 1,843.83 7,266.87 658,980.9
132 40000 2600 193.54 2,793.54 1,867.11 7,358.62 667,266.0
133 40000 2600 193.54 2,793.54 1,890.59 7,451.14 675,620.0
134 40000 2600 193.54 2,793.54 1,914.26 7,544.42 684,043.8
135 40000 2600 193.54 2,793.54 1,938.12 7,638.49 692,537.7
136 40000 2600 193.54 2,793.54 1,962.19 7,733.34 701,102.3
137 40000 2600 193.54 2,793.54 1,986.46 7,828.98 709,738.4
138 40000 2600 193.54 2,793.54 2,010.93 7,925.41 718,446.4
139 40000 2600 193.54 2,793.54 2,035.60 8,022.65 727,227.0
140 40000 2600 193.54 2,793.54 2,060.48 8,120.70 736,080.8
141 40000 2600 193.54 2,793.54 2,085.56 8,219.57 745,008.3
142 40000 2600 193.54 2,793.54 2,110.86 8,319.26 754,010.3
143 40000 2600 193.54 2,793.54 2,136.36 8,419.78 763,087.2
144 40000 2600 193.54 2,793.54 2,162.08 8,521.14 772,239.8
145 40000 2600 193.54 2,793.54 2,188.01 8,623.34 781,468.7
146 40000 2600 193.54 2,793.54 2,214.16 8,726.40 790,774.5
147 40000 2600 193.54 2,793.54 2,240.53 8,830.31 800,157.8
148 40000 2600 193.54 2,793.54 2,267.11 8,935.10 809,619.3
149 40000 2600 193.54 2,793.54 2,293.92 9,040.75 819,159.7
150 40000 2600 193.54 2,793.54 2,320.95 9,147.28 828,779.6
151 40000 2600 193.54 2,793.54 2,348.21 9,254.70 838,479.6
152 40000 2600 193.54 2,793.54 2,375.69 9,363.02 848,260.5
153 40000 2600 193.54 2,793.54 2,403.40 9,472.24 858,122.8
154 40000 2600 193.54 2,793.54 2,431.35 9,582.37 868,067.4
155 40000 2600 193.54 2,793.54 2,459.52 9,693.42 878,094.8
156 40000 2600 193.54 2,793.54 2,487.94 9,805.39 888,205.8
157 40000 2600 193.54 2,793.54 2,516.58 9,918.30 898,401.1
158 40000 2600 193.54 2,793.54 2,545.47 10,032.15 908,681.3
159 40000 2600 193.54 2,793.54 2,574.60 10,146.94 919,047.2
160 40000 2600 193.54 2,793.54 2,603.97 10,262.69 929,499.4
161 40000 2600 193.54 2,793.54 2,633.58 10,379.41 940,038.8
162 40000 2600 193.54 2,793.54 2,663.44 10,497.10 950,666.0
163 40000 2600 193.54 2,793.54 2,693.55 10,615.77 961,381.8
164 40000 2600 193.54 2,793.54 2,723.91 10,735.43 972,186.8
165 40000 2600 193.54 2,793.54 2,754.53 10,856.09 983,081.9
166 40000 2600 193.54 2,793.54 2,785.40 10,977.75 994,067.8
167 40000 2600 193.54 2,793.54 2,816.53 11,100.42 1,005,145.2
168 40000 2600 193.54 2,793.54 2,847.91 11,224.12 1,016,315.0
169 40000 2600 193.54 2,793.54 2,879.56 11,348.85 1,027,577.8
170 40000 2600 193.54 2,793.54 2,911.47 11,474.62 1,038,934.5
171 40000 2600 193.54 2,793.54 2,943.65 11,601.44 1,050,385.8
172 40000 2600 193.54 2,793.54 2,976.09 11,729.31 1,061,932.6
173 40000 2600 193.54 2,793.54 3,008.81 11,858.25 1,073,575.5
174 40000 2600 193.54 2,793.54 3,041.80 11,988.26 1,085,315.5
175 40000 2600 193.54 2,793.54 3,075.06 12,119.36 1,097,153.4
176 40000 2600 193.54 2,793.54 3,108.60 12,251.55 1,109,089.9
177 40000 2600 193.54 2,793.54 3,142.42 12,384.84 1,121,125.8
178 40000 2600 193.54 2,793.54 3,176.52 12,519.24 1,133,262.1
179 40000 2600 193.54 2,793.54 3,210.91 12,654.76 1,145,499.5
180 40000 2600 193.54 2,793.54 3,245.58 12,791.41 1,157,838.8
181 40000 2600 193.54 2,793.54 3,280.54 12,929.20 1,170,281.0
182 40000 2600 193.54 2,793.54 3,315.80 13,068.14 1,182,826.9
183 40000 2600 193.54 2,793.54 3,351.34 13,208.23 1,195,477.3
184 40000 2600 193.54 2,793.54 3,387.19 13,349.50 1,208,233.2
185 40000 2600 193.54 2,793.54 3,423.33 13,491.94 1,221,095.3
186 40000 2600 193.54 2,793.54 3,459.77 13,635.56 1,234,064.7
187 40000 2600 193.54 2,793.54 3,496.52 13,780.39 1,247,142.1
188 40000 2600 193.54 2,793.54 3,533.57 13,926.42 1,260,328.5
189 40000 2600 193.54 2,793.54 3,570.93 14,073.67 1,273,624.7
190 40000 2600 193.54 2,793.54 3,608.60 14,222.14 1,287,031.8
191 40000 2600 193.54 2,793.54 3,646.59 14,371.86 1,300,550.6
192 40000 2600 193.54 2,793.54 3,684.89 14,522.82 1,314,182.1
193 40000 2600 193.54 2,793.54 3,723.52 14,675.03 1,327,927.1
194 40000 2600 193.54 2,793.54 3,762.46 14,828.52 1,341,786.7
195 40000 2600 193.54 2,793.54 3,801.73 14,983.29 1,355,761.8
196 40000 2600 193.54 2,793.54 3,841.33 15,139.34 1,369,853.4
197 40000 2600 193.54 2,793.54 3,881.25 15,296.70 1,384,062.4
198 40000 2600 193.54 2,793.54 3,921.51 15,455.36 1,398,389.8
199 40000 2600 193.54 2,793.54 3,962.10 15,615.35 1,412,836.5
200 40000 2600 193.54 2,793.54 4,003.04 15,776.67 1,427,403.7
201 40000 2600 193.54 2,793.54 4,044.31 15,939.34 1,442,092.3
202 40000 2600 193.54 2,793.54 4,085.93 16,103.36 1,456,903.3
203 40000 2600 193.54 2,793.54 4,127.89 16,268.75 1,471,837.7
204 40000 2600 193.54 2,793.54 4,170.21 16,435.52 1,486,896.5
205 40000 2600 193.54 2,793.54 4,212.87 16,603.68 1,502,080.9
206 40000 2600 193.54 2,793.54 4,255.90 16,773.24 1,517,391.7
207 40000 2600 193.54 2,793.54 4,299.28 16,944.21 1,532,830.2
208 40000 2600 193.54 2,793.54 4,343.02 17,116.60 1,548,397.3
209 40000 2600 193.54 2,793.54 4,387.13 17,290.44 1,564,094.2
210 40000 2600 193.54 2,793.54 4,431.60 17,465.72 1,579,921.8
211 40000 2600 193.54 2,793.54 4,476.45 17,642.46 1,595,881.4
212 40000 2600 193.54 2,793.54 4,521.66 17,820.68 1,611,973.9
213 40000 2600 193.54 2,793.54 4,567.26 18,000.38 1,628,200.6
214 40000 2600 193.54 2,793.54 4,613.24 18,181.57 1,644,562.5
215 40000 2600 193.54 2,793.54 4,659.59 18,364.28 1,661,060.7
216 40000 2600 193.54 2,793.54 4,706.34 18,548.51 1,677,696.4
217 40000 2600 193.54 2,793.54 4,753.47 18,734.28 1,694,470.7
218 40000 2600 193.54 2,793.54 4,801.00 18,921.59 1,711,384.9
219 40000 2600 193.54 2,793.54 4,848.92 19,110.46 1,728,440.0
220 40000 2600 193.54 2,793.54 4,897.25 19,300.91 1,745,637.2
221 40000 2600 193.54 2,793.54 4,945.97 19,492.95 1,762,977.7
222 40000 2600 193.54 2,793.54 4,995.10 19,686.58 1,780,462.7
223 40000 2600 193.54 2,793.54 5,044.64 19,881.83 1,798,093.4
224 40000 2600 193.54 2,793.54 5,094.60 20,078.71 1,815,871.1
225 40000 2600 193.54 2,793.54 5,144.97 20,277.23 1,833,796.9
226 40000 2600 193.54 2,793.54 5,195.76 20,477.40 1,851,872.0
227 40000 2600 193.54 2,793.54 5,246.97 20,679.24 1,870,097.9
228 40000 2600 193.54 2,793.54 5,298.61 20,882.76 1,888,475.5
229 40000 2600 193.54 2,793.54 5,350.68 21,087.98 1,907,006.4
230 40000 2600 193.54 2,793.54 5,403.18 21,294.90 1,925,691.6
231 40000 2600 193.54 2,793.54 5,456.13 21,503.56 1,944,532.6
232 40000 2600 193.54 2,793.54 5,509.51 21,713.95 1,963,530.6
233 40000 2600 193.54 2,793.54 5,563.34 21,926.09 1,982,686.9
234 40000 2600 193.54 2,793.54 5,617.61 22,140.00 2,002,002.8
235 40000 2600 193.54 2,793.54 5,672.34 22,355.70 2,021,479.7
236 40000 2600 193.54 2,793.54 5,727.53 22,573.19 2,041,118.9
237 40000 2600 193.54 2,793.54 5,783.17 22,792.49 2,060,921.8
238 40000 2600 193.54 2,793.54 5,839.28 23,013.63 2,080,889.6
239 40000 2600 193.54 2,793.54 5,895.85 23,236.60 2,101,023.9
240 40000 2600 193.54 2,793.54 5,952.90 23,461.43 2,121,326.0

Saldo Acumulado en la Cuenta del Trabajador

Ingreso Mensual del Trabajador
1,644 20,000 10,000 20,000
25 828,779.6
30 1,157,838.8
35 1,579,921.8
40 2,121,326.0

Renta Vitalicia Mensual y Tasa de Remplazo

Ingreso Mensual del Trabajador
1,644 20,000 10,000 20,000
RV TR RV TR RV TR RV
25 5,282.9 26.4%
30 7,380.4 36.9%
35 10,070.8 50.4%
40 13,521.9 67.6%

Saldo Acumulado Necesario para una Tasa de remplazo del 100% = 257,912.48
Ingreso Mensual del trabajador = 20,000.000
Porcente de Aportación = 6.50%
Cuota Social del Estado por día cotizado = $ 3.22564
Comisión anual nominal = 1.700000%
Tasa de rendimiento bruto anual = 6.700000%
Tasa neta de rendimiento anual efectivo = 5.105331%
 D65 15373.371
N66 193936.45
D/N= 0.0792702 0.046995
N/D = 12.615089 21.278881
Factor
de Ajuste 0.4583333 0.4583333
N/D+fa = 13.073422 21.737214

20,000
TR
6bis
0.084852632

Estado
0.00
#DIV/0!

0.00

#DIV/0!
0
 Saldo acumulado en la cuenta del trabajador

Ingreso Mensual del Trabajador

1,650 5,000 10,000 20,000
Tasa Neta de Rendimiento Tasa Neta de Rendimiento Tasa Neta de Rendimiento Tasa Neta de Rendimien
3% 4% 5% 3% 4% 5% 3% 4% 5% 3%
Años 25 99,449.9 114,541.9 132,539.5 194,242.2 223,719.3 258,871.6 336,784.1 387,892.5 448,840.8 621,868.2

de 30 129,922.2 154,591.3 185,163.1 253,759.5 301,942.4 361,654.1 439,977.3 523,518.5 627,048.9 812,413.2
Coti- 35 165,312.6 203,475.2 252,663.1 322,882.9 397,420.9 493,492.9 559,825.9 689,062.5 855,635.7 ###

zación 40 206,415.0 263,142.6 339,245.1 403,162.7 513,961.2 662,602.0 699,018.0 891,124.3 ### ###

Renta Vitalicia Mensual

Ingreso Mensual del Trabajador

1,650 5,000 10,000 20,000
Tasa Neta de Rendimiento Tasa Neta de Rendimiento Tasa Neta de Rendimiento Tasa Neta de Rendimien
3% 4% 5% 3% 4% 5% 3% 4% 5% 3%
Años 25 633.9 730.1 844.8 1,238.1 1,426.0 1,650.1 2,146.7 2,472.5 2,861.0 3,963.9
de 30 828.2 985.4 1,180.3 1,617.5 1,924.7 2,305.3 2,804.5 3,337.0 3,997.0 5,178.5
Coti- 35 1,053.7 1,297.0 1,610.5 2,058.1 2,533.3 3,145.6 3,568.5 4,392.3 5,454.0 6,589.1
zación 40 1,315.7 1,677.3 2,162.4 2,569.9 3,276.1 4,223.6 4,455.7 5,680.3 7,323.0 8,227.4

Tasas de Reemplazo

Ingreso Mensual del Trabajador

1,650 5,000 10,000 20,000
Tasa Neta de Rendimiento Tasa Neta de Rendimiento Tasa Neta de Rendimiento Tasa Neta de Rendimien
3% 4% 5% 3% 4% 5% 3% 4% 5% 3%
Años 25 38.4% 44.2% 51.2% 24.8% 28.5% 33.0% 21.5% 24.7% 28.6% 19.8%
de 30 50.2% 59.7% 71.5% 32.4% 38.5% 46.1% 28.0% 33.4% 40.0% 25.9%
Coti- 35 63.9% 78.6% 97.6% 41.2% 50.7% 62.9% 35.7% 43.9% 54.5% 32.9%
zación 40 79.7% 101.7% 131.1% 51.4% 65.5% 84.5% 44.6% 56.8% 73.2% 41.1%
 20,000
Tasa Neta de Rendimiento
4% 5%
716,239.2 828,779.6

966,671.1 1,157,838.8

1,272,346.3 1,579,921.8

1,645,451.1 2,121,326.0

D65 15373.3712
20,000 N66 193936.445
Tasa Neta de Rendimiento D/N= 0.07927015
4% 5% N/D = 12.615089
4,565.5 5,282.9 Factor
6,161.8 7,380.4 de Ajuste 0.45833333
8,110.3 10,070.8 N/D+fa = 13.0734223
10,488.5 13,521.9

20,000
Tasa Neta de Rendimiento
4% 5%
22.8% 26.4%
30.8% 36.9%
40.6% 50.4%
52.4% 67.6%