Cálculo de intereses
Ahorrando S/ 236,512
Veamos que pasaría si Usted ahorrara 236,512 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/ 236,512.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 2,701.92 | S/ 5,434.71 | S/ 8,198.71 | S/ 10,994.30 | S/ 247,506.30 |
| 8.50% | S/ 4,873.05 | S/ 9,846.50 | S/ 14,922.43 | S/ 20,102.93 | S/ 256,614.93 |
| 8.00% | S/ 4,594.48 | S/ 9,278.22 | S/ 14,052.94 | S/ 18,920.41 | S/ 255,432.41 |
| 7.10% | S/ 4,090.61 | S/ 8,251.98 | S/ 12,485.31 | S/ 16,791.87 | S/ 253,303.87 |
| 7.00% | S/ 4,034.43 | S/ 8,137.68 | S/ 12,310.93 | S/ 16,555.36 | S/ 253,067.36 |
| 6.50% | S/ 3,752.93 | S/ 7,565.42 | S/ 11,438.40 | S/ 15,372.84 | S/ 251,884.84 |
| 6.10% | S/ 3,527.02 | S/ 7,106.64 | S/ 10,739.64 | S/ 14,426.82 | S/ 250,938.82 |
| 6.20% | S/ 3,583.56 | S/ 7,221.41 | S/ 10,914.39 | S/ 14,663.32 | S/ 251,175.32 |
| 5.90% | S/ 3,413.82 | S/ 6,876.92 | S/ 10,390.01 | S/ 13,953.81 | S/ 250,465.81 |
| 5.75% | S/ 3,328.82 | S/ 6,704.50 | S/ 10,127.68 | S/ 13,599.05 | S/ 250,111.05 |
| 5.70% | S/ 3,300.47 | S/ 6,646.99 | S/ 10,040.22 | S/ 13,480.80 | S/ 249,992.80 |
| 5.65% | S/ 3,272.10 | S/ 6,589.48 | S/ 9,952.75 | S/ 13,362.54 | S/ 249,874.54 |
| 5.60% | S/ 3,243.73 | S/ 6,531.95 | S/ 9,865.26 | S/ 13,244.29 | S/ 249,756.29 |
| 5.50% | S/ 3,186.95 | S/ 6,416.84 | S/ 9,690.26 | S/ 13,007.79 | S/ 249,519.79 |
| 5.30% | S/ 3,073.27 | S/ 6,186.48 | S/ 9,340.14 | S/ 12,534.78 | S/ 249,046.78 |
| 5.25% | S/ 3,044.83 | S/ 6,128.85 | S/ 9,252.58 | S/ 12,416.52 | S/ 248,928.52 |
| 5.05% | S/ 2,930.94 | S/ 5,898.21 | S/ 8,902.25 | S/ 11,943.51 | S/ 248,455.51 |
| 5.00% | S/ 2,902.45 | S/ 5,840.52 | S/ 8,814.64 | S/ 11,825.26 | S/ 248,337.26 |
| 4.95% | S/ 2,873.94 | S/ 5,782.81 | S/ 8,727.02 | S/ 11,707.01 | S/ 248,219.01 |
| 4.75% | S/ 2,759.82 | S/ 5,551.84 | S/ 8,376.44 | S/ 11,234.00 | S/ 247,746.00 |
| 4.55% | S/ 2,645.53 | S/ 5,320.65 | S/ 8,025.69 | S/ 10,760.99 | S/ 247,272.99 |
| 4.50% | S/ 2,616.93 | S/ 5,262.81 | S/ 7,937.97 | S/ 10,642.74 | S/ 247,154.74 |
| 4.40% | S/ 2,559.70 | S/ 5,147.11 | S/ 7,762.52 | S/ 10,406.23 | S/ 246,918.23 |
| 4.30% | S/ 2,502.43 | S/ 5,031.35 | S/ 7,587.02 | S/ 10,169.73 | S/ 246,681.73 |
| 4.25% | S/ 2,473.79 | S/ 4,973.44 | S/ 7,499.25 | S/ 10,051.47 | S/ 246,563.47 |
| 4.20% | S/ 2,445.13 | S/ 4,915.53 | S/ 7,411.47 | S/ 9,933.22 | S/ 246,445.22 |
| 4.15% | S/ 2,416.46 | S/ 4,857.60 | S/ 7,323.69 | S/ 9,814.97 | S/ 246,326.97 |
| 4.00% | S/ 2,330.38 | S/ 4,683.73 | S/ 7,060.26 | S/ 9,460.21 | S/ 245,972.21 |
| 3.90% | S/ 2,272.95 | S/ 4,567.74 | S/ 6,884.59 | S/ 9,223.70 | S/ 245,735.70 |
| 3.75% | S/ 2,186.72 | S/ 4,393.66 | S/ 6,621.01 | S/ 8,868.95 | S/ 245,380.95 |
| 3.50% | S/ 2,042.80 | S/ 4,103.25 | S/ 6,181.49 | S/ 8,277.68 | S/ 244,789.68 |
| 3.00% | S/ 1,754.18 | S/ 3,521.36 | S/ 5,301.66 | S/ 7,095.16 | S/ 243,607.16 |
| 2.75% | S/ 1,609.47 | S/ 3,229.89 | S/ 4,861.34 | S/ 6,503.90 | S/ 243,015.90 |
| 2.50% | S/ 1,464.50 | S/ 2,938.07 | S/ 4,420.76 | S/ 5,912.63 | S/ 242,424.63 |
| 2.00% | S/ 1,173.76 | S/ 2,353.34 | S/ 3,538.78 | S/ 4,730.11 | S/ 241,242.11 |
| 1.35% | S/ 794.20 | S/ 1,591.06 | S/ 2,390.60 | S/ 3,192.82 | S/ 239,704.82 |
| 1.00% | S/ 589.06 | S/ 1,179.59 | S/ 1,771.58 | S/ 2,365.05 | S/ 238,877.05 |
| 0.10% | S/ 59.10 | S/ 118.22 | S/ 177.36 | S/ 236.51 | S/ 236,748.51 |
Sobre los datos
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Para S/ 236,512 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/ 236,512 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.