Cálculo de intereses
Ahorrando S/ 204,515
Veamos que pasaría si Usted ahorrara 204,515 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/ 204,515.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 2,336.39 | S/ 4,699.46 | S/ 7,089.53 | S/ 9,506.91 | S/ 214,021.91 |
| 8.50% | S/ 4,213.79 | S/ 8,514.40 | S/ 12,903.62 | S/ 17,383.27 | S/ 221,898.27 |
| 8.00% | S/ 3,972.91 | S/ 8,022.99 | S/ 12,151.76 | S/ 16,360.72 | S/ 220,875.72 |
| 7.10% | S/ 3,537.21 | S/ 7,135.59 | S/ 10,796.21 | S/ 14,520.14 | S/ 219,035.14 |
| 7.00% | S/ 3,488.63 | S/ 7,036.76 | S/ 10,645.42 | S/ 14,315.64 | S/ 218,830.64 |
| 6.50% | S/ 3,245.21 | S/ 6,541.92 | S/ 9,890.93 | S/ 13,293.09 | S/ 217,808.09 |
| 6.10% | S/ 3,049.86 | S/ 6,145.20 | S/ 9,286.71 | S/ 12,475.06 | S/ 216,990.06 |
| 6.20% | S/ 3,098.75 | S/ 6,244.45 | S/ 9,437.82 | S/ 12,679.56 | S/ 217,194.56 |
| 5.90% | S/ 2,951.98 | S/ 5,946.57 | S/ 8,984.38 | S/ 12,066.04 | S/ 216,581.04 |
| 5.75% | S/ 2,878.48 | S/ 5,797.47 | S/ 8,757.54 | S/ 11,759.27 | S/ 216,274.27 |
| 5.70% | S/ 2,853.96 | S/ 5,747.74 | S/ 8,681.91 | S/ 11,657.02 | S/ 216,172.02 |
| 5.65% | S/ 2,829.43 | S/ 5,698.01 | S/ 8,606.27 | S/ 11,554.76 | S/ 216,069.76 |
| 5.60% | S/ 2,804.90 | S/ 5,648.26 | S/ 8,530.62 | S/ 11,452.51 | S/ 215,967.51 |
| 5.50% | S/ 2,755.80 | S/ 5,548.73 | S/ 8,379.29 | S/ 11,248.00 | S/ 215,763.00 |
| 5.30% | S/ 2,657.50 | S/ 5,349.53 | S/ 8,076.54 | S/ 10,838.98 | S/ 215,353.98 |
| 5.25% | S/ 2,632.90 | S/ 5,299.70 | S/ 8,000.83 | S/ 10,736.73 | S/ 215,251.73 |
| 5.05% | S/ 2,534.43 | S/ 5,100.26 | S/ 7,697.89 | S/ 10,327.71 | S/ 214,842.71 |
| 5.00% | S/ 2,509.79 | S/ 5,050.37 | S/ 7,622.13 | S/ 10,225.46 | S/ 214,740.46 |
| 4.95% | S/ 2,485.14 | S/ 5,000.47 | S/ 7,546.37 | S/ 10,123.20 | S/ 214,638.20 |
| 4.75% | S/ 2,386.45 | S/ 4,800.75 | S/ 7,243.21 | S/ 9,714.18 | S/ 214,229.18 |
| 4.55% | S/ 2,287.62 | S/ 4,600.83 | S/ 6,939.92 | S/ 9,305.17 | S/ 213,820.17 |
| 4.50% | S/ 2,262.89 | S/ 4,550.82 | S/ 6,864.07 | S/ 9,202.91 | S/ 213,717.91 |
| 4.40% | S/ 2,213.41 | S/ 4,450.77 | S/ 6,712.35 | S/ 8,998.40 | S/ 213,513.40 |
| 4.30% | S/ 2,163.89 | S/ 4,350.67 | S/ 6,560.59 | S/ 8,793.89 | S/ 213,308.89 |
| 4.25% | S/ 2,139.11 | S/ 4,300.60 | S/ 6,484.70 | S/ 8,691.64 | S/ 213,206.64 |
| 4.20% | S/ 2,114.33 | S/ 4,250.52 | S/ 6,408.80 | S/ 8,589.38 | S/ 213,104.38 |
| 4.15% | S/ 2,089.54 | S/ 4,200.43 | S/ 6,332.89 | S/ 8,487.13 | S/ 213,002.13 |
| 4.00% | S/ 2,015.11 | S/ 4,050.08 | S/ 6,105.10 | S/ 8,180.37 | S/ 212,695.37 |
| 3.90% | S/ 1,965.45 | S/ 3,949.79 | S/ 5,953.20 | S/ 7,975.86 | S/ 212,490.86 |
| 3.75% | S/ 1,890.89 | S/ 3,799.26 | S/ 5,725.27 | S/ 7,669.09 | S/ 212,184.09 |
| 3.50% | S/ 1,766.44 | S/ 3,548.13 | S/ 5,345.22 | S/ 7,157.82 | S/ 211,672.82 |
| 3.00% | S/ 1,516.86 | S/ 3,044.97 | S/ 4,584.41 | S/ 6,135.28 | S/ 210,650.28 |
| 2.75% | S/ 1,391.73 | S/ 2,792.93 | S/ 4,203.67 | S/ 5,624.00 | S/ 210,139.00 |
| 2.50% | S/ 1,266.37 | S/ 2,540.58 | S/ 3,822.69 | S/ 5,112.73 | S/ 209,627.73 |
| 2.00% | S/ 1,014.97 | S/ 2,034.97 | S/ 3,060.03 | S/ 4,090.18 | S/ 208,605.18 |
| 1.35% | S/ 686.75 | S/ 1,375.81 | S/ 2,067.18 | S/ 2,760.87 | S/ 207,275.87 |
| 1.00% | S/ 509.37 | S/ 1,020.00 | S/ 1,531.91 | S/ 2,045.09 | S/ 206,560.09 |
| 0.10% | S/ 51.11 | S/ 102.23 | S/ 153.36 | S/ 204.51 | S/ 204,719.51 |
Sobre los datos
-
Para S/ 204,515 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 204,515 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
-
En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
-
Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.