Cálculo de intereses
Ahorrando S/ 185,165
Veamos que pasaría si Usted ahorrara 185,165 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2019) el interés más alto que brinda el sistema financiero peruano es de 8.5% y el más bajo es de 0.1%, en el siguiente cuadro mostramos los diferentes escenarios de inversión para S/ 185,165.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 2,115.33 | S/ 4,254.83 | S/ 6,418.76 | S/ 8,607.42 | S/ 193,772.42 |
| 8.50% | S/ 3,815.11 | S/ 7,708.82 | S/ 11,682.75 | S/ 15,738.57 | S/ 200,903.57 |
| 8.00% | S/ 3,597.01 | S/ 7,263.91 | S/ 11,002.03 | S/ 14,812.77 | S/ 199,977.77 |
| 7.10% | S/ 3,202.54 | S/ 6,460.46 | S/ 9,774.74 | S/ 13,146.33 | S/ 198,311.33 |
| 7.00% | S/ 3,158.55 | S/ 6,370.98 | S/ 9,638.21 | S/ 12,961.17 | S/ 198,126.17 |
| 6.50% | S/ 2,938.17 | S/ 5,922.96 | S/ 8,955.11 | S/ 12,035.38 | S/ 197,200.38 |
| 6.10% | S/ 2,761.30 | S/ 5,563.78 | S/ 8,408.05 | S/ 11,294.74 | S/ 196,459.74 |
| 6.20% | S/ 2,805.56 | S/ 5,653.64 | S/ 8,544.86 | S/ 11,479.90 | S/ 196,644.90 |
| 5.90% | S/ 2,672.68 | S/ 5,383.94 | S/ 8,134.33 | S/ 10,924.42 | S/ 196,089.42 |
| 5.75% | S/ 2,606.13 | S/ 5,248.94 | S/ 7,928.95 | S/ 10,646.68 | S/ 195,811.68 |
| 5.70% | S/ 2,583.93 | S/ 5,203.92 | S/ 7,860.48 | S/ 10,554.10 | S/ 195,719.10 |
| 5.65% | S/ 2,561.73 | S/ 5,158.89 | S/ 7,791.99 | S/ 10,461.52 | S/ 195,626.52 |
| 5.60% | S/ 2,539.51 | S/ 5,113.85 | S/ 7,723.50 | S/ 10,368.94 | S/ 195,533.94 |
| 5.50% | S/ 2,495.06 | S/ 5,023.74 | S/ 7,586.50 | S/ 10,183.78 | S/ 195,348.78 |
| 5.30% | S/ 2,406.06 | S/ 4,843.39 | S/ 7,312.38 | S/ 9,813.46 | S/ 194,978.46 |
| 5.25% | S/ 2,383.79 | S/ 4,798.27 | S/ 7,243.84 | S/ 9,720.88 | S/ 194,885.88 |
| 5.05% | S/ 2,294.63 | S/ 4,617.70 | S/ 6,969.56 | S/ 9,350.56 | S/ 194,515.56 |
| 5.00% | S/ 2,272.32 | S/ 4,572.53 | S/ 6,900.97 | S/ 9,257.98 | S/ 194,422.98 |
| 4.95% | S/ 2,250.01 | S/ 4,527.35 | S/ 6,832.38 | S/ 9,165.40 | S/ 194,330.40 |
| 4.75% | S/ 2,160.66 | S/ 4,346.53 | S/ 6,557.90 | S/ 8,795.09 | S/ 193,960.09 |
| 4.55% | S/ 2,071.18 | S/ 4,165.53 | S/ 6,283.30 | S/ 8,424.77 | S/ 193,589.77 |
| 4.50% | S/ 2,048.79 | S/ 4,120.25 | S/ 6,214.63 | S/ 8,332.19 | S/ 193,497.19 |
| 4.40% | S/ 2,003.99 | S/ 4,029.67 | S/ 6,077.27 | S/ 8,147.03 | S/ 193,312.03 |
| 4.30% | S/ 1,959.15 | S/ 3,939.04 | S/ 5,939.87 | S/ 7,961.87 | S/ 193,126.87 |
| 4.25% | S/ 1,936.72 | S/ 3,893.70 | S/ 5,871.15 | S/ 7,869.29 | S/ 193,034.29 |
| 4.20% | S/ 1,914.29 | S/ 3,848.36 | S/ 5,802.43 | S/ 7,776.71 | S/ 192,941.71 |
| 4.15% | S/ 1,891.84 | S/ 3,803.01 | S/ 5,733.71 | S/ 7,684.13 | S/ 192,849.13 |
| 4.00% | S/ 1,824.45 | S/ 3,666.89 | S/ 5,527.47 | S/ 7,406.39 | S/ 192,571.39 |
| 3.90% | S/ 1,779.49 | S/ 3,576.08 | S/ 5,389.94 | S/ 7,221.23 | S/ 192,386.23 |
| 3.75% | S/ 1,711.98 | S/ 3,439.79 | S/ 5,183.58 | S/ 6,943.49 | S/ 192,108.49 |
| 3.50% | S/ 1,599.31 | S/ 3,212.43 | S/ 4,839.48 | S/ 6,480.59 | S/ 191,645.59 |
| 3.00% | S/ 1,373.34 | S/ 2,756.87 | S/ 4,150.66 | S/ 5,554.79 | S/ 190,719.79 |
| 2.75% | S/ 1,260.05 | S/ 2,528.68 | S/ 3,805.94 | S/ 5,091.89 | S/ 190,256.89 |
| 2.50% | S/ 1,146.56 | S/ 2,300.21 | S/ 3,461.01 | S/ 4,628.99 | S/ 189,793.99 |
| 2.00% | S/ 918.94 | S/ 1,842.43 | S/ 2,770.51 | S/ 3,703.20 | S/ 188,868.20 |
| 1.35% | S/ 621.78 | S/ 1,245.64 | S/ 1,871.60 | S/ 2,499.66 | S/ 187,664.66 |
| 1.00% | S/ 461.17 | S/ 923.50 | S/ 1,386.97 | S/ 1,851.60 | S/ 187,016.60 |
| 0.10% | S/ 46.27 | S/ 92.56 | S/ 138.85 | S/ 185.16 | S/ 185,350.16 |
Sobre los datos
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Para S/ 185,165 el promedio de las tasas de interés TEA es de 4.65% en soles.
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(*) Los cálculos de esta simulación para S/ 185,165 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
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En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
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Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.