Cálculo de intereses
Ahorrando S/ 198,740
Veamos que pasaría si Usted ahorrara 198,740 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2023) 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/ 198,740.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 2,270.41 | S/ 4,566.76 | S/ 6,889.34 | S/ 9,238.46 | S/ 207,978.46 |
| 8.50% | S/ 4,094.80 | S/ 8,273.97 | S/ 12,539.25 | S/ 16,892.41 | S/ 215,632.41 |
| 8.00% | S/ 3,860.72 | S/ 7,796.44 | S/ 11,808.62 | S/ 15,898.74 | S/ 214,638.74 |
| 7.10% | S/ 3,437.32 | S/ 6,934.10 | S/ 10,491.35 | S/ 14,110.13 | S/ 212,850.13 |
| 7.00% | S/ 3,390.12 | S/ 6,838.06 | S/ 10,344.82 | S/ 13,911.40 | S/ 212,651.40 |
| 6.50% | S/ 3,153.57 | S/ 6,357.19 | S/ 9,611.64 | S/ 12,917.73 | S/ 211,657.73 |
| 6.10% | S/ 2,963.74 | S/ 5,971.68 | S/ 9,024.47 | S/ 12,122.79 | S/ 210,862.79 |
| 6.20% | S/ 3,011.25 | S/ 6,068.12 | S/ 9,171.31 | S/ 12,321.52 | S/ 211,061.52 |
| 5.90% | S/ 2,868.62 | S/ 5,778.65 | S/ 8,730.68 | S/ 11,725.32 | S/ 210,465.32 |
| 5.75% | S/ 2,797.19 | S/ 5,633.76 | S/ 8,510.25 | S/ 11,427.22 | S/ 210,167.22 |
| 5.70% | S/ 2,773.37 | S/ 5,585.44 | S/ 8,436.75 | S/ 11,327.85 | S/ 210,067.85 |
| 5.65% | S/ 2,749.53 | S/ 5,537.11 | S/ 8,363.25 | S/ 11,228.49 | S/ 209,968.49 |
| 5.60% | S/ 2,725.69 | S/ 5,488.77 | S/ 8,289.74 | S/ 11,129.12 | S/ 209,869.12 |
| 5.50% | S/ 2,677.98 | S/ 5,392.05 | S/ 8,142.68 | S/ 10,930.39 | S/ 209,670.39 |
| 5.30% | S/ 2,582.46 | S/ 5,198.47 | S/ 7,848.48 | S/ 10,532.92 | S/ 209,272.92 |
| 5.25% | S/ 2,558.55 | S/ 5,150.05 | S/ 7,774.90 | S/ 10,433.55 | S/ 209,173.55 |
| 5.05% | S/ 2,462.86 | S/ 4,956.24 | S/ 7,480.52 | S/ 10,036.08 | S/ 208,776.08 |
| 5.00% | S/ 2,438.92 | S/ 4,907.76 | S/ 7,406.90 | S/ 9,936.71 | S/ 208,676.71 |
| 4.95% | S/ 2,414.96 | S/ 4,859.27 | S/ 7,333.28 | S/ 9,837.35 | S/ 208,577.35 |
| 4.75% | S/ 2,319.06 | S/ 4,665.18 | S/ 7,038.68 | S/ 9,439.88 | S/ 208,179.88 |
| 4.55% | S/ 2,223.03 | S/ 4,470.92 | S/ 6,743.95 | S/ 9,042.41 | S/ 207,782.41 |
| 4.50% | S/ 2,198.99 | S/ 4,422.32 | S/ 6,670.25 | S/ 8,943.04 | S/ 207,683.04 |
| 4.40% | S/ 2,150.91 | S/ 4,325.09 | S/ 6,522.81 | S/ 8,744.31 | S/ 207,484.31 |
| 4.30% | S/ 2,102.78 | S/ 4,227.82 | S/ 6,375.34 | S/ 8,545.58 | S/ 207,285.58 |
| 4.25% | S/ 2,078.71 | S/ 4,179.16 | S/ 6,301.59 | S/ 8,446.21 | S/ 207,186.21 |
| 4.20% | S/ 2,054.63 | S/ 4,130.50 | S/ 6,227.83 | S/ 8,346.84 | S/ 207,086.84 |
| 4.15% | S/ 2,030.54 | S/ 4,081.82 | S/ 6,154.06 | S/ 8,247.47 | S/ 206,987.47 |
| 4.00% | S/ 1,958.21 | S/ 3,935.72 | S/ 5,932.71 | S/ 7,949.37 | S/ 206,689.37 |
| 3.90% | S/ 1,909.95 | S/ 3,838.26 | S/ 5,785.09 | S/ 7,750.64 | S/ 206,490.64 |
| 3.75% | S/ 1,837.49 | S/ 3,691.98 | S/ 5,563.60 | S/ 7,452.54 | S/ 206,192.54 |
| 3.50% | S/ 1,716.56 | S/ 3,447.94 | S/ 5,194.28 | S/ 6,955.70 | S/ 205,695.70 |
| 3.00% | S/ 1,474.03 | S/ 2,958.99 | S/ 4,454.96 | S/ 5,962.03 | S/ 204,702.03 |
| 2.75% | S/ 1,352.43 | S/ 2,714.07 | S/ 4,084.97 | S/ 5,465.19 | S/ 204,205.19 |
| 2.50% | S/ 1,230.61 | S/ 2,468.84 | S/ 3,714.74 | S/ 4,968.36 | S/ 203,708.36 |
| 2.00% | S/ 986.31 | S/ 1,977.51 | S/ 2,973.62 | S/ 3,974.69 | S/ 202,714.69 |
| 1.35% | S/ 667.36 | S/ 1,336.96 | S/ 2,008.81 | S/ 2,682.91 | S/ 201,422.91 |
| 1.00% | S/ 494.98 | S/ 991.20 | S/ 1,488.65 | S/ 1,987.34 | S/ 200,727.34 |
| 0.10% | S/ 49.66 | S/ 99.34 | S/ 149.03 | S/ 198.73 | S/ 198,938.73 |
Sobre los datos
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Para S/ 198,740 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/ 198,740 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.
