Simulador tarjeta de credito y libre inversión.xlsx

	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P
1
2
3
4
5				PRESTAMO		10.000.000						COMPARATIVO
6				Cuota		12,00						Tarjeta Credito	Libre Inversión
7				Interes efectivo anual		20%	N.M.V	1,53094704997312000		Pago Total		10.995.116	11.022.819
8				Cuota de Manejo/Seguro de vida			Tasa Mensual	1,666666666667		Int + Costos Ad		995.116	1.022.819	27.703	Diferencia
9												Cuota Promedio	Cuota Fija
10												916.260	918.568
11
12	TARJETA DE CREDITO							LIBRE INVERSIÓN
13	SALDO	ABONO A CAPITAL/PAGO MINIMO	INTERESES	COSTOS ADICIONALES	CUOTA	INT ACUM	#	INT ACUM	CUOTA	COSTOS ADICIONALES	INTERESES	ABONO A CAPITAL	SALDO
14	SALDO	ABONO A CAPITAL/PAGO MINIMO	INTERESES	COSTOS ADICIONALES	CUOTA	INT ACUM	#	INT ACUM	CUOTA	COSTOS ADICIONALES	INTERESES	ABONO A CAPITAL	SALDO
15	10.000.000	833.333	153.095		833.333	153.095	1	153.095	918.568		153.095	765.474	10.000.000
16	9.166.667	833.333	140.337		1.126.765	140.337	2	294.470	918.568		141.376	777.193	9.234.526
17	8.333.333	833.333	127.579		960.912	127.579	3	423.948	918.568		129.477	789.091	8.457.334
18	7.500.000	833.333	114.821		948.154	114.821	4	541.344	918.568		117.397	801.171	7.668.243
19	6.666.667	833.333	102.063		935.396	102.063	5	646.476	918.568		105.131	813.437	6.867.072
20	5.833.333	833.333	89.305		922.639	89.305	6	739.154	918.568		92.678	825.890	6.053.635
21	5.000.000	833.333	76.547		909.881	76.547	7	819.188	918.568		80.034	838.534	5.227.744
22	4.166.667	833.333	63.789		897.123	63.789	8	886.384	918.568		67.196	851.372	4.389.210
23	3.333.333	833.333	51.032		884.365	51.032	9	940.547	918.568		54.162	864.406	3.537.838
24	2.500.000	833.333	38.274		871.607	38.274	10	981.475	918.568		40.929	877.639	2.673.432
25	1.666.667	833.333	25.516		858.849	25.516	11	1.008.968	918.568		27.493	891.076	1.795.793
26	833.333	833.333	12.758		846.091	12.758	12	1.022.819	918.568		13.851	904.717	904.717
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