Modele su impuesto de renta Persona Natural aprovechando las ventajas del YNCR a traves de un credito AFC

1. PROYECCION CREDITO HIPOTECARIO Y/O LEASING HABITACIONAL
Tasa Efectiva anual 13.75%
Tasa Mes 1.08%
Vr Negocio Ver Tabla Credito
C.Inicial
Monto Credito 600,000,000 Ir a Calculos
% Cuota Seguro 1.02% Rta
Plazo 15
Periodos 180
No cuota Cuota mes Seguro Amort. Capital Interes Total Pago Saldo
600,000,000
1 7,572,786 77,242 1,096,439 6,476,347 7,650,028 598,903,561
2 7,572,786 77,242 1,108,274 6,464,512 7,650,028 597,795,286
3 7,572,786 77,242 1,120,237 6,452,549 7,650,028 596,675,050
4 7,572,786 77,242 1,132,329 6,440,457 7,650,028 595,542,721
5 7,572,786 77,242 1,144,551 6,428,235 7,650,028 594,398,170
6 7,572,786 77,242 1,156,905 6,415,881 7,650,028 593,241,265
7 7,572,786 77,242 1,169,393 6,403,393 7,650,028 592,071,873
8 7,572,786 77,242 1,182,015 6,390,771 7,650,028 590,889,858
9 7,572,786 77,242 1,194,773 6,378,013 7,650,028 589,695,085
10 7,572,786 77,242 1,207,670 6,365,116 7,650,028 588,487,415
11 7,572,786 77,242 1,220,705 6,352,081 7,650,028 587,266,710
12 7,572,786 77,242 1,233,881 6,338,905 7,650,028 586,032,829
13 7,572,786 77,242 1,247,200 6,325,586 7,650,028 584,785,629
14 7,572,786 77,242 1,260,662 6,312,124 7,650,028 583,524,967
15 7,572,786 77,242 1,274,269 6,298,517 7,650,028 582,250,698
16 7,572,786 77,242 1,288,024 6,284,762 7,650,028 580,962,674
17 7,572,786 77,242 1,301,927 6,270,859 7,650,028 579,660,747
18 7,572,786 77,242 1,315,979 6,256,807 7,650,028 578,344,768
19 7,572,786 77,242 1,330,184 6,242,602 7,650,028 577,014,584
20 7,572,786 77,242 1,344,542 6,228,244 7,650,028 575,670,042
21 7,572,786 77,242 1,359,055 6,213,731 7,650,028 574,310,987
22 7,572,786 77,242 1,373,724 6,199,062 7,650,028 572,937,263
23 7,572,786 77,242 1,388,552 6,184,234 7,650,028 571,548,711
24 7,572,786 77,242 1,403,540 6,169,246 7,650,028 570,145,171
25 7,572,786 77,242 1,418,690 6,154,096 7,650,028 568,726,481
26 7,572,786 77,242 1,434,003 6,138,783 7,650,028 567,292,478
27 7,572,786 77,242 1,449,481 6,123,305 7,650,028 565,842,997
28 7,572,786 77,242 1,465,127 6,107,659 7,650,028 564,377,870
29 7,572,786 77,242 1,480,941 6,091,845 7,650,028 562,896,929
30 7,572,786 77,242 1,496,927 6,075,859 7,650,028 561,400,002
31 7,572,786 77,242 1,513,084 6,059,702 7,650,028 559,886,918
32 7,572,786 77,242 1,529,416 6,043,370 7,650,028 558,357,501
33 7,572,786 77,242 1,545,925 6,026,861 7,650,028 556,811,577
34 7,572,786 77,242 1,562,611 6,010,175 7,650,028 555,248,965
35 7,572,786 77,242 1,579,478 5,993,308 7,650,028 553,669,487
36 7,572,786 77,242 1,596,527 5,976,259 7,650,028 552,072,961
37 7,572,786 77,242 1,613,760 5,959,026 7,650,028 550,459,201
38 7,572,786 77,242 1,631,178 5,941,608 7,650,028 548,828,023
39 7,572,786 77,242 1,648,785 5,924,001 7,650,028 547,179,238
40 7,572,786 77,242 1,666,582 5,906,204 7,650,028 545,512,656
41 7,572,786 77,242 1,684,571 5,888,215 7,650,028 543,828,085
42 7,572,786 77,242 1,702,754 5,870,032 7,650,028 542,125,331
43 7,572,786 77,242 1,721,133 5,851,653 7,650,028 540,404,197
44 7,572,786 77,242 1,739,711 5,833,075 7,650,028 538,664,486
45 7,572,786 77,242 1,758,489 5,814,297 7,650,028 536,905,997
46 7,572,786 77,242 1,777,470 5,795,316 7,650,028 535,128,527
47 7,572,786 77,242 1,796,656 5,776,130 7,650,028 533,331,870
48 7,572,786 77,242 1,816,049 5,756,737 7,650,028 531,515,821
49 7,572,786 77,242 1,835,651 5,737,135 7,650,028 529,680,170
50 7,572,786 77,242 1,855,465 5,717,321 7,650,028 527,824,704
51 7,572,786 77,242 1,875,493 5,697,293 7,650,028 525,949,211
52 7,572,786 77,242 1,895,737 5,677,049 7,650,028 524,053,474
53 7,572,786 77,242 1,916,199 5,656,587 7,650,028 522,137,275
54 7,572,786 77,242 1,936,883 5,635,903 7,650,028 520,200,392
55 7,572,786 77,242 1,957,789 5,614,997 7,650,028 518,242,603
56 7,572,786 77,242 1,978,921 5,593,865 7,650,028 516,263,682
57 7,572,786 77,242 2,000,282 5,572,504 7,650,028 514,263,400
58 7,572,786 77,242 2,021,873 5,550,913 7,650,028 512,241,528
59 7,572,786 77,242 2,043,696 5,529,090 7,650,028 510,197,831
60 7,572,786 77,242 2,065,756 5,507,030 7,650,028 508,132,075
61 7,572,786 77,242 2,088,054 5,484,732 7,650,028 506,044,022
62 7,572,786 77,242 2,110,592 5,462,194 7,650,028 503,933,430
63 7,572,786 77,242 2,133,373 5,439,413 7,650,028 501,800,056
64 7,572,786 77,242 2,156,401 5,416,385 7,650,028 499,643,656
65 7,572,786 77,242 2,179,677 5,393,109 7,650,028 497,463,979
66 7,572,786 77,242 2,203,204 5,369,582 7,650,028 495,260,775
67 7,572,786 77,242 2,226,985 5,345,801 7,650,028 493,033,790
68 7,572,786 77,242 2,251,023 5,321,763 7,650,028 490,782,767
69 7,572,786 77,242 2,275,320 5,297,466 7,650,028 488,507,446
70 7,572,786 77,242 2,299,880 5,272,906 7,650,028 486,207,566
71 7,572,786 77,242 2,324,705 5,248,081 7,650,028 483,882,861
72 7,572,786 77,242 2,349,797 5,222,989 7,650,028 481,533,064
73 7,572,786 77,242 2,375,161 5,197,625 7,650,028 479,157,903
74 7,572,786 77,242 2,400,798 5,171,988 7,650,028 476,757,105
75 7,572,786 77,242 2,426,712 5,146,074 7,650,028 474,330,393
76 7,572,786 77,242 2,452,906 5,119,880 7,650,028 471,877,487
77 7,572,786 77,242 2,479,382 5,093,404 7,650,028 469,398,104
78 7,572,786 77,242 2,506,145 5,066,641 7,650,028 466,891,960
79 7,572,786 77,242 2,533,196 5,039,590 7,650,028 464,358,764
80 7,572,786 77,242 2,560,539 5,012,247 7,650,028 461,798,225
81 7,572,786 77,242 2,588,177 4,984,609 7,650,028 459,210,048
82 7,572,786 77,242 2,616,114 4,956,672 7,650,028 456,593,935
83 7,572,786 77,242 2,644,352 4,928,434 7,650,028 453,949,583
84 7,572,786 77,242 2,672,895 4,899,891 7,650,028 451,276,689

2. 85 7,572,786 77,242 2,701,746 4,871,040 7,650,028 448,574,943
86 7,572,786 77,242 2,730,908 4,841,878 7,650,028 445,844,035
87 7,572,786 77,242 2,760,385 4,812,401 7,650,028 443,083,650
88 7,572,786 77,242 2,790,180 4,782,606 7,650,028 440,293,470
89 7,572,786 77,242 2,820,297 4,752,489 7,650,028 437,473,172
90 7,572,786 77,242 2,850,739 4,722,047 7,650,028 434,622,433
91 7,572,786 77,242 2,881,510 4,691,276 7,650,028 431,740,923
92 7,572,786 77,242 2,912,613 4,660,173 7,650,028 428,828,310
93 7,572,786 77,242 2,944,051 4,628,735 7,650,028 425,884,259
94 7,572,786 77,242 2,975,829 4,596,957 7,650,028 422,908,430
95 7,572,786 77,242 3,007,950 4,564,836 7,650,028 419,900,480
96 7,572,786 77,242 3,040,418 4,532,368 7,650,028 416,860,062
97 7,572,786 77,242 3,073,236 4,499,550 7,650,028 413,786,826
98 7,572,786 77,242 3,106,408 4,466,378 7,650,028 410,680,419
99 7,572,786 77,242 3,139,938 4,432,848 7,650,028 407,540,481
100 7,572,786 77,242 3,173,830 4,398,956 7,650,028 404,366,650
101 7,572,786 77,242 3,208,088 4,364,698 7,650,028 401,158,562
102 7,572,786 77,242 3,242,716 4,330,070 7,650,028 397,915,846
103 7,572,786 77,242 3,277,718 4,295,068 7,650,028 394,638,128
104 7,572,786 77,242 3,313,097 4,259,689 7,650,028 391,325,031
105 7,572,786 77,242 3,348,858 4,223,928 7,650,028 387,976,173
106 7,572,786 77,242 3,385,006 4,187,780 7,650,028 384,591,167
107 7,572,786 77,242 3,421,543 4,151,243 7,650,028 381,169,624
108 7,572,786 77,242 3,458,475 4,114,311 7,650,028 377,711,149
109 7,572,786 77,242 3,495,805 4,076,981 7,650,028 374,215,344
110 7,572,786 77,242 3,533,539 4,039,247 7,650,028 370,681,805
111 7,572,786 77,242 3,571,680 4,001,106 7,650,028 367,110,125
112 7,572,786 77,242 3,610,232 3,962,554 7,650,028 363,499,893
113 7,572,786 77,242 3,649,200 3,923,586 7,650,028 359,850,693
114 7,572,786 77,242 3,688,590 3,884,196 7,650,028 356,162,103
115 7,572,786 77,242 3,728,404 3,844,382 7,650,028 352,433,699
116 7,572,786 77,242 3,768,648 3,804,138 7,650,028 348,665,051
117 7,572,786 77,242 3,809,326 3,763,460 7,650,028 344,855,725
118 7,572,786 77,242 3,850,444 3,722,342 7,650,028 341,005,281
119 7,572,786 77,242 3,892,005 3,680,781 7,650,028 337,113,276
120 7,572,786 77,242 3,934,015 3,638,771 7,650,028 333,179,261
121 7,572,786 77,242 3,976,479 3,596,307 7,650,028 329,202,782
122 7,572,786 77,242 4,019,400 3,553,386 7,650,028 325,183,382
123 7,572,786 77,242 4,062,785 3,510,001 7,650,028 321,120,596
124 7,572,786 77,242 4,106,639 3,466,147 7,650,028 317,013,957
125 7,572,786 77,242 4,150,966 3,421,820 7,650,028 312,862,992
126 7,572,786 77,242 4,195,771 3,377,015 7,650,028 308,667,221
127 7,572,786 77,242 4,241,059 3,331,727 7,650,028 304,426,162
128 7,572,786 77,242 4,286,837 3,285,949 7,650,028 300,139,325
129 7,572,786 77,242 4,333,109 3,239,677 7,650,028 295,806,216
130 7,572,786 77,242 4,379,880 3,192,906 7,650,028 291,426,336
131 7,572,786 77,242 4,427,156 3,145,630 7,650,028 286,999,180
132 7,572,786 77,242 4,474,942 3,097,844 7,650,028 282,524,237
133 7,572,786 77,242 4,523,244 3,049,541 7,650,028 278,000,993
134 7,572,786 77,242 4,572,068 3,000,718 7,650,028 273,428,925
135 7,572,786 77,242 4,621,418 2,951,368 7,650,028 268,807,507
136 7,572,786 77,242 4,671,302 2,901,484 7,650,028 264,136,205
137 7,572,786 77,242 4,721,723 2,851,063 7,650,028 259,414,482
138 7,572,786 77,242 4,772,689 2,800,097 7,650,028 254,641,793
139 7,572,786 77,242 4,824,205 2,748,581 7,650,028 249,817,587
140 7,572,786 77,242 4,876,277 2,696,509 7,650,028 244,941,310
141 7,572,786 77,242 4,928,911 2,643,875 7,650,028 240,012,399
142 7,572,786 77,242 4,982,113 2,590,672 7,650,028 235,030,286
143 7,572,786 77,242 5,035,890 2,536,896 7,650,028 229,994,396
144 7,572,786 77,242 5,090,247 2,482,539 7,650,028 224,904,149
145 7,572,786 77,242 5,145,191 2,427,595 7,650,028 219,758,958
146 7,572,786 77,242 5,200,727 2,372,059 7,650,028 214,558,231
147 7,572,786 77,242 5,256,864 2,315,922 7,650,028 209,301,367
148 7,572,786 77,242 5,313,606 2,259,180 7,650,028 203,987,762
149 7,572,786 77,242 5,370,960 2,201,826 7,650,028 198,616,801
150 7,572,786 77,242 5,428,934 2,143,852 7,650,028 193,187,868
151 7,572,786 77,242 5,487,533 2,085,253 7,650,028 187,700,334
152 7,572,786 77,242 5,546,765 2,026,021 7,650,028 182,153,569
153 7,572,786 77,242 5,606,637 1,966,149 7,650,028 176,546,932
154 7,572,786 77,242 5,667,154 1,905,632 7,650,028 170,879,778
155 7,572,786 77,242 5,728,325 1,844,461 7,650,028 165,151,453
156 7,572,786 77,242 5,790,156 1,782,630 7,650,028 159,361,298
157 7,572,786 77,242 5,852,654 1,720,132 7,650,028 153,508,643
158 7,572,786 77,242 5,915,827 1,656,959 7,650,028 147,592,816
159 7,572,786 77,242 5,979,682 1,593,104 7,650,028 141,613,134
160 7,572,786 77,242 6,044,226 1,528,560 7,650,028 135,568,907
161 7,572,786 77,242 6,109,467 1,463,319 7,650,028 129,459,440
162 7,572,786 77,242 6,175,412 1,397,374 7,650,028 123,284,028
163 7,572,786 77,242 6,242,069 1,330,717 7,650,028 117,041,959
164 7,572,786 77,242 6,309,445 1,263,340 7,650,028 110,732,513
165 7,572,786 77,242 6,377,549 1,195,237 7,650,028 104,354,964
166 7,572,786 77,242 6,446,388 1,126,398 7,650,028 97,908,576
167 7,572,786 77,242 6,515,970 1,056,816 7,650,028 91,392,607
168 7,572,786 77,242 6,586,302 986,484 7,650,028 84,806,305
169 7,572,786 77,242 6,657,394 915,392 7,650,028 78,148,910
170 7,572,786 77,242 6,729,254 843,532 7,650,028 71,419,657
171 7,572,786 77,242 6,801,889 770,897 7,650,028 64,617,768
172 7,572,786 77,242 6,875,308 697,478 7,650,028 57,742,461
173 7,572,786 77,242 6,949,519 623,267 7,650,028 50,792,942
174 7,572,786 77,242 7,024,531 548,254 7,650,028 43,768,410
175 7,572,786 77,242 7,100,354 472,432 7,650,028 36,668,057
176 7,572,786 77,242 7,176,994 395,792 7,650,028 29,491,062
177 7,572,786 77,242 7,254,462 318,324 7,650,028 22,236,600
178 7,572,786 77,242 7,332,766 240,020 7,650,028 14,903,834
179 7,572,786 77,242 7,411,915 160,871 7,650,028 7,491,919
180 7,572,786 77,242 7,491,919 80,867 7,650,028 0
1,363,101,475 13,903,635 600,000,000 763,101,475 1,377,005,110

3. SIMULACION FINANCIERA Y TRIBUTARIA PARA INGRESOS
POR HONORARIOS Y SALARIOS
Por Jovany Jaramillo C.P.U.Eafit-Especialista Finanzas UdeA Tel 317 437-1342
Consultoria y Asesoria Tributaria- Contable- Finanzas y Proyectos-Devoluciones- Declaraciones de Renta
Ingrese Datos
SELECCIONE UNA OPCION POR
TIPO DE INGRESOS
1 Rentas laborales
VA A SOLICITAR CREDITO ? 1 Con crédito
Ver Proyeccion Rta
VA A SOLICITAR CREDITO ?
MONTO A SOLICITAR Digitar > 0 $ 600,000,000
PLAZO AÑOS 15
Ver Tabla Credito
INGRESE TASA EFECTIVA ANUAL 13.75% 1.08%
CUOTA POR MES 7,572,786
CUOTA ANUAL 90,873,432
% Anual
5%
SIN
PROYECCION RENTA 4 AÑOS CON CREDITO DE VIVIENDA A TRAVES DE AFC
Cifras Tribut CRED.VIVIENDA
AG2008
CONCEPTO Volver 1 2 3
Rentas laborales 0% 200,000,000 210,000,000 220,500,000 231,525,000
Dividendos y otros ingresos 2,271,000 2,384,550 2,503,778 2,628,966
Ingresos por Rendimientos Fcros 7% 103,000 108,150 113,558 119,235
Total Ingresos Brutos 202,374,000 212,492,700 223,117,335 234,273,202
Aporte Obligatorio de Pensión 12% 1,329,120 1,329,120 1,329,120 1,329,120
Fondo Solidaridad Pensional 2.0% 221,520 221,520 221,520 221,520
Aportes FPV -
1er Benef: Pago Anual Cuota Crédito de
- 91,800,341 91,800,341 91,800,341
Vivienda AFC
Componente Inflacionario Rendimientos
Frcos 68% 69,927 73,423 77,094 80,949
Tope Maximo (30% YNCR) 1,620,567 63,000,000 66,150,000 69,457,500
Ingreso No gravado 1,690,493 63,073,423 66,227,094 69,538,449
2o Benef. : Deducción Interes Vivienda - 28,515,600 28,515,600 28,515,600
Aportes Obligatorios de Salud 4% 443,040 1,329,120 1,329,120 1,329,120
Otras deducciones (tope 50%) 15% 29,659,486 - - -
TOTAL DEDUCCIONES 15% 30,102,526 29,844,720 29,844,720 29,844,720
Renta liquida 170,580,981 119,574,557 127,045,521 134,890,033
Renta Exenta Laboral 25% 49,594,858 36,750,000 38,587,500 40,516,875
Renta liquida Gravable 120,986,122 82,824,557 88,458,021 94,373,158
Renta liquida Grav.Promedio mes 10,082,177 6,902,046 7,371,502 7,864,430
Impuesto a Cargo 27,771,000 16,433,000 19,130,000 22,453,000
Retefuente (Anticipo Impto Renta) E - - - -
Saldo a pagar 27,771,000 16,433,000 19,130,000 22,453,000
Saldo a Favor - - - -
Tasa % de tributación 13.7% 7.7% 8.6% 9.6%
Ahorro Anual Impuestos x Credito y AFC - 11,338,000 8,641,000 5,318,000
### ### ### ###

4. Volver a Renta Ir a Simula
LIMITE RENTA EXENTA PARA
A Ñ O
INGRESOS.LABORALES UVTS
UVTS MES 240 2,008 2,009
MESES 12 $ 63,515,520 $ 68,437,440
UVTS AÑO 2,880
LIMITE INTERESES VIVIENDA UVTS
LIMITES DE INTERESES P
UVTS MES 100 2,008 2,009
MESES 12 $ 26,464,800 $ 28,515,600
INTERESES VIVIENDA 1,200
LIMITE OTRAS DEDUCCIONES UVTS BASE SEG SOCIAL
UVTS MES ING LAB GRAV APOR PENS
MESES 12 APOR OBL SALUD
SALUD Y EDUCACION 15% < 101.448.000 FONDO SOLID

5. A Ñ O S
2,010 2,011 2,012 2,013
$ 72,201,499 $ 76,172,582 $ 76,172,582 $ 76,172,582
LIMITES DE INTERESES POR LOS A Ñ O S
2,010 2,011 2,011 2,012
$ 28,515,600 $ 28,515,600 $ 28,515,600 $ 28,515,600
SAL BASE ASALAR INDEP
2,400,000 1 12.0% 2 12%
2,400,000 1 4.0% 2 12%
2,400,000 1 1% 2 1.2%