Factores financieros y tasa

TEMAS DESARROLLADOS

Factores financieros
Conversion de tasa nominal a efectiva
Conversion de tasa efectiva a efectiva

Por :

Henry A. Condori Portillo

Web
E-mail
Messenger
Mvil

www.henrycondori.pe.nu
hcondorip@gmail.com
hamielcp@hotmail.com
+51 51 9898138

Fecha de creacin :
Resolucin recomendada :
Derechos Reservados (C) :

eros y tasas

9/10/2007
1024 x 768 pxl.
2007

FACTORES FINANCIEROS
Ingrese informacin:
tasa de inters
nmero de periodos

12.00%
12

Monto de una anualidad [ S ] :

Renta [ R ] :
Valor presente de una anualidad [ P ] :

5000
3000
4000

Resultados :

Factor Simple de Capitalizacin

Factor Simple de Actualizaci

FSC

3.8959759925

Factor de Capitalizacin de la Serie

Factor de Depsito al Fondo

FCS

24.1331332712

Factor de Recuperacin del Capital

Factor de Actualizacin de la

FRC

0.1614368076

Monto de una anualidad [ S = R * FCS ] :

Valor presente de una anuali

S=

72,399.3998

Renta [ R = S * FDFA ] :

Renta [ R = P * FRC ] :
R=

Capital [ P = S / (( 1 + i ) ^ n) ]

207.1840

[ P = S * FSA ] :
P=

Monto [ S = P * ( 1 + i ) ^ n
1,283.3755

NANCIEROS

Ir a men

Factor Simple de Actualizacin

FSA

0.2566750929

Factor de Depsito al Fondo de Amortizacin

FDFA

0.0414368076

Factor de Actualizacin de la Serie

FAS

6.1943742255

Valor presente de una anualidad [ P = R * FAS ] :

P=

18,583.1227

R=

645.7472

Renta [ R = P * FRC ] :

Monto [ S = P * ( 1 + i ) ^ n ]

[ S = P * FSC ] :
S=

15,583.9040

Conversion de Tasa Nominal a Tasa Efectiva con diversas capitalizaciones

Ingrese informacin:

Tasa de inters nominal anual "j" :

13.00%

Resultados :
CONVERSION DE TASA NOMINAL A EFECTIVA
TASA EFECTIVA ANUAL

j anual
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.13/1)^(360/360) -1
(1+0.13/2)^(360/180) -1
(1+0.13/3)^(360/120) -1
(1+0.13/4)^(360/90) -1
(1+0.13/6)^(360/60) -1
(1+0.13/12)^(360/30) -1
(1+0.13/24)^(360/15) -1
(1+0.13/360)^(360/1) -1

TEA
13.00%
13.42%
13.57%
13.65%
13.72%
13.80%
13.84%
13.88%

TASA EFECTIVA SEMESTRAL

j anual
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.13/1)^(180/360) -1
(1+0.13/2)^(180/180) -1
(1+0.13/3)^(180/120) -1
(1+0.13/4)^(180/90) -1
(1+0.13/6)^(180/60) -1
(1+0.13/12)^(180/30) -1
(1+0.13/24)^(180/15) -1
(1+0.13/360)^(180/1) -1

TES
6.30%
6.50%
6.57%
6.61%
6.64%
6.68%
6.70%
6.71%

TASA EFECTIVA TRIMESTRAL

j anual
13.00%

Capitalizacin
Anual

Operacin
(1+0.13/1)^(90/360) -1

TET
3.10%

13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%

Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

(1+0.13/2)^(90/180) -1
(1+0.13/3)^(90/120) -1
(1+0.13/4)^(90/90) -1
(1+0.13/6)^(90/60) -1
(1+0.13/12)^(90/30) -1
(1+0.13/24)^(90/15) -1
(1+0.13/360)^(90/1) -1

3.20%
3.23%
3.25%
3.27%
3.29%
3.29%
3.30%

TASA EFECTIVA MENSUAL

j anual
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.13/1)^(30/360) -1
(1+0.13/2)^(30/180) -1
(1+0.13/3)^(30/120) -1
(1+0.13/4)^(30/90) -1
(1+0.13/6)^(30/60) -1
(1+0.13/12)^(30/30) -1
(1+0.13/24)^(30/15) -1
(1+0.13/360)^(30/1) -1

TEM
1.0237%
1.0551%
1.0662%
1.0718%
1.0775%
1.0833%
1.0863%
1.0890%

TASA EFECTIVA DIARIA

j anual
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.13/1)^(1/360) -1
(1+0.13/2)^(1/180) -1
(1+0.13/3)^(1/120) -1
(1+0.13/4)^(1/90) -1
(1+0.13/6)^(1/60) -1
(1+0.13/12)^(1/30) -1
(1+0.13/24)^(1/15) -1
(1+0.13/360)^(1/1) -1

TED
0.03396%
0.03499%
0.03536%
0.03554%
0.03573%
0.03592%
0.03602%
0.03611%

Ir a men

Ingrese informacin:

Tasa de inters nominal semestral "j" :

12.00%

Resultados :
CONVERSION DE TASA NOMINAL A EFECTIVA
TASA EFECTIVA ANUAL

j anual
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.12/(180/360))^(360/360) -1
(1+0.12/(180/180))^(360/180) -1
(1+0.12/(180/120))^(360/120) -1
(1+0.12/(180/90))^(360/90) -1
(1+0.12/(180/60))^(360/60) -1
(1+0.12/(180/30))^(360/30) -1
(1+0.12/12)^(360/15) -1
(1+0.12/180)^(360/1) -1

TASA EFECTIVA SEMESTRAL

j anual
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.12/(180/360))^(180/360) -1
(1+0.12/(180/180))^(180/180) -1
(1+0.12/(180/90))^(180/120) -1
(1+0.12/(180/90))^(180/90) -1
(1+0.12/(180/60))^(180/60) -1
(1+0.12/(180/30))^(180/30) -1
(1+0.12/12)^(180/15) -1
(1+0.12/180)^(180/1) -1

TASA EFECTIVA TRIMESTRAL

j anual
12.00%

Capitalizacin
Anual

Operacin
(1+0.12/(180/360))^(90/360) -1

12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%

Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

(1+0.12/(180/180))^(90/180) -1
(1+0.12/(180/90))^(90/120) -1
(1+0.12/(180/90))^(90/90) -1
(1+0.12/(180/60))^(90/60) -1
(1+0.12/(180/30))^(90/30) -1
(1+0.12/12)^(90/15) -1
(1+0.12/180)^(90/1) -1

TASA EFECTIVA MENSUAL

j anual
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.12/(180/360))^(30/360) -1
(1+0.12/(180/180))^(30/180) -1
(1+0.12/(180/90))^(30/120) -1
(1+0.12/(180/90))^(30/90) -1
(1+0.12/(180/60))^(30/60) -1
(1+0.12/(180/30))^(30/30) -1
(1+0.12/12)^(30/15) -1
(1+0.12/180)^(30/1) -1

TASA EFECTIVA DIARIA

j anual
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.12/(180/360))^(1/360) -1
(1+0.12/(180/180))^(1/180) -1
(1+0.12/(180/90))^(1/120) -1
(1+0.12/(180/90))^(1/90) -1
(1+0.12/(180/60))^(1/60) -1
(1+0.12/(180/30))^(1/30) -1
(1+0.12/12)^(1/15) -1
(1+0.12/180)^(1/1) -1

Ingrese informacin:

Tasa de inters nominal Trimestral "j" :

Resultados :
CONVERSION DE TASA NOMINAL A EFECTIVA
TASA EFECTIVA ANUAL

TEA
24.00%
25.44%
25.97%
26.25%
26.53%
26.82%
26.97%
27.11%

j anual
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

TASA EFECTIVA SEMESTRAL

TES
11.36%
12.00%
12.24%
12.36%
12.49%
12.62%
12.68%
12.75%

j anual
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

TASA EFECTIVA TRIMESTRAL

TET
5.53%

j anual
13.00%

Capitalizacin
Anual

5.83%
5.94%
6.00%
6.06%
6.12%
6.15%
6.18%

13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%

Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

TASA EFECTIVA MENSUAL

TEM
1.809%
1.907%
1.943%
1.961%
1.980%
2.000%
2.010%
2.019%

j anual
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

TASA EFECTIVA DIARIA

TED
0.0598%
0.0630%
0.0642%
0.0648%
0.0654%
0.0660%
0.0664%
0.0667%

j anual
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%
13.00%

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Ingrese informacin:

13.00%

Tasa de inters nominal Mensual "j" :

Resultados :

ON DE TASA NOMINAL A EFECTIVA

CONVERSION DE TA

TASA EFECTIVA ANUAL

Operacin
(1+0.13/(90/360))^(360/360) -1
(1+0.13/(90/180))^(360/180) -1
(1+0.13/(90/120))^(360/120) -1
(1+0.13/(90/90))^(360/90) -1
(1+0.13/(90/60))^(360/60) -1
(1+0.13/(90/30))^(360/30) -1
(1+0.13/6)^(360/15) -1
(1+0.13/90)^(360/1) -1

TEA
52.00%
58.76%
61.53%
63.05%
64.66%
66.37%
67.27%
68.14%

j anual
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%

ASA EFECTIVA SEMESTRAL

Operacin
(1+0.13/(90/360))^(180/360) -1
(1+0.13/(90/180))^(180/180) -1
(1+0.13/(90/120))^(180/120) -1
(1+0.13/(90/90))^(180/90) -1
(1+0.13/(90/60))^(180/60) -1
(1+0.13/(90/30))^(180/30) -1
(1+0.13/6)^(180/15) -1
(1+0.13/90)^(180/1) -1

TES
23.29%
26.00%
27.10%
27.69%
28.32%
28.98%
29.33%
29.67%

j anual
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%

SA EFECTIVA TRIMESTRAL

Operacin
(1+0.13/(90/360))^(90/360) -1

TET
11.04%

j anual
14.00%

(1+0.13/(90/180))^(90/180) -1
(1+0.13/(90/120))^(90/120) -1
(1+0.13/(90/90))^(90/90) -1
(1+0.13/(90/60))^(90/60) -1
(1+0.13/(90/30))^(90/30) -1
(1+0.13/6)^(90/15) -1
(1+0.13/90)^(90/1) -1

12.25%
12.74%
13.00%
13.28%
13.57%
13.72%
13.87%

14.00%
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%

TASA EFECTIVA MENSUAL

Operacin
(1+0.13/(90/360))^(30/360) -1
(1+0.13/(90/180))^(30/180) -1
(1+0.13/(90/120))^(30/120) -1
(1+0.13/(90/90))^(30/90) -1
(1+0.13/(90/60))^(30/60) -1
(1+0.13/(90/30))^(30/30) -1
(1+0.13/6)^(30/15) -1
(1+0.13/90)^(30/1) -1

TEM
3.551%
3.927%
4.077%
4.158%
4.243%
4.333%
4.380%
4.425%

j anual
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%

TASA EFECTIVA DIARIA

Operacin
(1+0.13/(90/360))^(1/360) -1
(1+0.13/(90/180))^(1/180) -1
(1+0.13/(90/120))^(1/120) -1
(1+0.13/(90/90))^(1/90) -1
(1+0.13/(90/60))^(1/60) -1
(1+0.13/(90/30))^(1/30) -1
(1+0.13/6)^(1/15) -1
(1+0.13/90)^(1/1) -1

TED
0.1164%
0.1285%
0.1333%
0.1359%
0.1386%
0.1415%
0.1430%
0.1444%

j anual
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%

nformacin:

de inters nominal Mensual "j" :

14.00%

CONVERSION DE TASA NOMINAL A EFECTIVA

TASA EFECTIVA ANUAL

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.14/(30/360))^(360/360) -1
(1+0.14/(30/180))^(360/180) -1
(1+0.14/(30/120))^(360/120) -1
(1+0.14/(30/90))^(360/90) -1
(1+0.14/(30/60))^(360/60) -1
(1+0.14/(30/30)^(360/30) -1
(1+0.14/2)^(360/15) -1
(1+0.14/30)^(360/1) -1

TEA
168.00%
238.56%
279.64%
306.59%
339.80%
381.79%
407.24%
434.46%

TASA EFECTIVA SEMESTRAL

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.14/(30/360))^(180/360) -1
(1+0.14/(30/180))^(180/180) -1
(1+0.14/(30/120))^(180/120) -1
(1+0.14/(30/90))^(180/90) -1
(1+0.14/(30/60))^(180/60) -1
(1+0.14/(30/30)^(180/30) -1
(1+0.14/2)^(180/15) -1
(1+0.14/30)^(180/1) -1

TES
63.71%
84.00%
94.84%
101.64%
109.72%
119.50%
125.22%
131.18%

TASA EFECTIVA TRIMESTRAL

Capitalizacin
Anual

Operacin
(1+0.14/(30/360))^(90/360) -1

TET
27.95%

Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

(1+0.14/(30/180))^(90/180) -1
(1+0.14/(30/120))^(90/120) -1
(1+0.14/(30/90))^(90/90) -1
(1+0.14/(30/60))^(90/60) -1
(1+0.14/(30/30)^(90/30) -1
(1+0.14/2)^(90/15) -1
(1+0.14/30)^(90/1) -1

35.65%
39.59%
42.00%
44.82%
48.15%
50.07%
52.05%

TASA EFECTIVA MENSUAL

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.14/(30/360))^(30/360) -1
(1+0.14/(30/180))^(30/180) -1
(1+0.14/(30/120))^(30/120) -1
(1+0.14/(30/90))^(30/90) -1
(1+0.14/(30/60))^(30/60) -1
(1+0.14/(30/30)^(30/30) -1
(1+0.14/2)^(30/15) -1
(1+0.14/30)^(30/1) -1

TEM
8.562%
10.697%
11.759%
12.399%
13.137%
14.000%
14.490%
14.990%

TASA EFECTIVA DIARIA

Capitalizacin
Anual
Semestral
Cuatrimestral
Trimestral
Bimestral
Mensual
Quincenal
Diaria

Operacin
(1+0.14/(30/360))^(1/360) -1
(1+0.14/(30/180))^(1/180) -1
(1+0.14/(30/120))^(1/120) -1
(1+0.14/(30/90))^(1/90) -1
(1+0.14/(30/60))^(1/60) -1
(1+0.14/(30/30)^(1/30) -1
(1+0.14/2)^(1/15) -1
(1+0.14/30)^(1/1) -1

TED
0.2742%
0.3393%
0.3713%
0.3904%
0.4123%
0.4377%
0.4521%
0.4667%

Conversion de Tasa Efectiva a Tasa Efectiva

Ingrese informacin:
TEA

Tasa Efectiva Anual TEA

15.00%

Ir a men

Ingrese informacin:
TES

Tasa Efectiva Anual

10.00%

Tasa Efectiva Anual

TEA

15.00000%

Tasa Efectiva Semestral

Tasa Efectiva Semestral

TES

7.23805%

Tasa Efectiva Cuatrimestral

Tasa Efectiva Cuatrimestral

TET

4.76896%

Tasa Efectiva Trimestral

Tasa Efectiva Trimestral

TET

3.55581%

Tasa Efectiva Mensual

Tasa Efectiva Mensual

TEM

1.17149%

TEM

0.03883%

Tasa Efectiva Diaria

Tasa Efectiva Diaria

Tasa Efectiva Semestral TES

Ingrese informacin:
TEC

Tasa Efectiva Cuatrimestral TEC

6.00%

Tasa Efectiva Anual

TEA

21.00000%

TEA

19.10160%

TES

9.13368%

TET

6.00000%

TET

4.46707%

TEM

1.46738%

TEM

0.04857%

Tasa Efectiva Semestral

TES

10.00000%

Cuatrimestral

Tasa Efectiva Cuatrimestral

TET

6.56022%
Tasa Efectiva Trimestral

TET

4.88088%
Tasa Efectiva Mensual

TEM

1.60119%

TEM

0.05296%

Tasa Efectiva Diaria

Ingrese informacin:
TET

Tasa Efectiva Trimestral TET

4.00%

Ingrese informacin:
TEM

Tasa Efectiva Anual

2.00%

Tasa Efectiva Anual

TEA

16.98586%

Tasa Efectiva Semestral

Tasa Efectiva Semestral

TES

8.16000%

Tasa Efectiva Cuatrimestral

Tasa Efectiva Cuatrimestral

TET

5.36858%

Tasa Efectiva Trimestral

Tasa Efectiva Trimestral

TET

4.00000%

Tasa Efectiva Mensual

Tasa Efectiva Mensual

TEM

1.31594%

TEM

0.04359%

Tasa Efectiva Diaria

Tasa Efectiva Diaria

Tasa Efectiva Mensual TEM

Ingrese informacin:
TED

Tasa Efectiva Diaria TED

1.00%

Tasa Efectiva Anual

TEA

26.82418%

TEA
Tasa Efectiva Semestral

TES

12.61624%

Cuatrimestral

TES
Tasa Efectiva Cuatrimestral

TET

8.24322%

TET
Tasa Efectiva Trimestral

TET

6.12080%

TET
Tasa Efectiva Mensual

TEM

2.00000%

TEM

0.06603%

TEM
Tasa Efectiva Diaria
TEM

Tasa Efectiva Diaria TED

3494.96413%

499.58020%

230.03869%

144.86327%

34.78489%

1.00000%