Cálculo de intereses
Ahorrando S/ 259,715
Veamos que pasaría si Usted ahorrara 259,715 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/ 259,715.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 2,966.99 | S/ 5,967.88 | S/ 9,003.05 | S/ 12,072.89 | S/ 271,787.89 |
| 8.50% | S/ 5,351.12 | S/ 10,812.49 | S/ 16,386.39 | S/ 22,075.13 | S/ 281,790.13 |
| 8.00% | S/ 5,045.22 | S/ 10,188.45 | S/ 15,431.60 | S/ 20,776.60 | S/ 280,491.60 |
| 7.10% | S/ 4,491.92 | S/ 9,061.54 | S/ 13,710.18 | S/ 18,439.23 | S/ 278,154.23 |
| 7.00% | S/ 4,430.23 | S/ 8,936.03 | S/ 13,518.69 | S/ 18,179.52 | S/ 277,894.52 |
| 6.50% | S/ 4,121.12 | S/ 8,307.62 | S/ 12,560.56 | S/ 16,880.99 | S/ 276,595.99 |
| 6.10% | S/ 3,873.04 | S/ 7,803.84 | S/ 11,793.25 | S/ 15,842.16 | S/ 275,557.16 |
| 6.20% | S/ 3,935.12 | S/ 7,929.87 | S/ 11,985.15 | S/ 16,101.87 | S/ 275,816.87 |
| 5.90% | S/ 3,748.74 | S/ 7,551.59 | S/ 11,409.32 | S/ 15,322.74 | S/ 275,037.74 |
| 5.75% | S/ 3,655.40 | S/ 7,362.24 | S/ 11,121.26 | S/ 14,933.18 | S/ 274,648.18 |
| 5.70% | S/ 3,624.26 | S/ 7,299.10 | S/ 11,025.21 | S/ 14,803.33 | S/ 274,518.33 |
| 5.65% | S/ 3,593.11 | S/ 7,235.94 | S/ 10,929.16 | S/ 14,673.48 | S/ 274,388.48 |
| 5.60% | S/ 3,561.96 | S/ 7,172.76 | S/ 10,833.09 | S/ 14,543.62 | S/ 274,258.62 |
| 5.50% | S/ 3,499.61 | S/ 7,046.37 | S/ 10,640.92 | S/ 14,283.91 | S/ 273,998.91 |
| 5.30% | S/ 3,374.77 | S/ 6,793.40 | S/ 10,256.45 | S/ 13,764.50 | S/ 273,479.50 |
| 5.25% | S/ 3,343.54 | S/ 6,730.12 | S/ 10,160.30 | S/ 13,634.65 | S/ 273,349.65 |
| 5.05% | S/ 3,218.48 | S/ 6,476.85 | S/ 9,775.60 | S/ 13,115.23 | S/ 272,830.23 |
| 5.00% | S/ 3,187.19 | S/ 6,413.50 | S/ 9,679.40 | S/ 12,985.38 | S/ 272,700.38 |
| 4.95% | S/ 3,155.89 | S/ 6,350.13 | S/ 9,583.18 | S/ 12,855.52 | S/ 272,570.52 |
| 4.75% | S/ 3,030.57 | S/ 6,096.50 | S/ 9,198.21 | S/ 12,336.11 | S/ 272,051.11 |
| 4.55% | S/ 2,905.07 | S/ 5,842.63 | S/ 8,813.05 | S/ 11,816.69 | S/ 271,531.69 |
| 4.50% | S/ 2,873.66 | S/ 5,779.12 | S/ 8,716.73 | S/ 11,686.84 | S/ 271,401.84 |
| 4.40% | S/ 2,810.82 | S/ 5,652.06 | S/ 8,524.06 | S/ 11,427.13 | S/ 271,142.13 |
| 4.30% | S/ 2,747.94 | S/ 5,524.95 | S/ 8,331.34 | S/ 11,167.43 | S/ 270,882.43 |
| 4.25% | S/ 2,716.48 | S/ 5,461.36 | S/ 8,234.96 | S/ 11,037.57 | S/ 270,752.57 |
| 4.20% | S/ 2,685.00 | S/ 5,397.77 | S/ 8,138.58 | S/ 10,907.72 | S/ 270,622.72 |
| 4.15% | S/ 2,653.52 | S/ 5,334.15 | S/ 8,042.18 | S/ 10,777.86 | S/ 270,492.86 |
| 4.00% | S/ 2,559.01 | S/ 5,143.23 | S/ 7,752.91 | S/ 10,388.30 | S/ 270,103.30 |
| 3.90% | S/ 2,495.94 | S/ 5,015.86 | S/ 7,560.00 | S/ 10,128.60 | S/ 269,843.60 |
| 3.75% | S/ 2,401.25 | S/ 4,824.70 | S/ 7,270.56 | S/ 9,739.03 | S/ 269,454.03 |
| 3.50% | S/ 2,243.21 | S/ 4,505.80 | S/ 6,787.93 | S/ 9,089.77 | S/ 268,804.77 |
| 3.00% | S/ 1,926.27 | S/ 3,866.83 | S/ 5,821.78 | S/ 7,791.23 | S/ 267,506.23 |
| 2.75% | S/ 1,767.37 | S/ 3,546.76 | S/ 5,338.27 | S/ 7,141.96 | S/ 266,856.96 |
| 2.50% | S/ 1,608.17 | S/ 3,226.31 | S/ 4,854.46 | S/ 6,492.69 | S/ 266,207.69 |
| 2.00% | S/ 1,288.91 | S/ 2,584.22 | S/ 3,885.96 | S/ 5,194.15 | S/ 264,909.15 |
| 1.35% | S/ 872.11 | S/ 1,747.15 | S/ 2,625.13 | S/ 3,506.05 | S/ 263,221.05 |
| 1.00% | S/ 646.85 | S/ 1,295.31 | S/ 1,945.38 | S/ 2,597.08 | S/ 262,312.08 |
| 0.10% | S/ 64.90 | S/ 129.82 | S/ 194.76 | S/ 259.71 | S/ 259,974.71 |
Sobre los datos
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Para S/ 259,715 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/ 259,715 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.