Cálculo de intereses
Ahorrando S/ 278,350
Veamos que pasaría si Usted ahorrara 278,350 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/ 278,350.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,179.88 | S/ 6,396.09 | S/ 9,649.03 | S/ 12,939.14 | S/ 291,289.14 |
| 8.50% | S/ 5,735.07 | S/ 11,588.31 | S/ 17,562.14 | S/ 23,659.06 | S/ 302,009.06 |
| 8.00% | S/ 5,407.23 | S/ 10,919.49 | S/ 16,538.84 | S/ 22,267.35 | S/ 300,617.35 |
| 7.10% | S/ 4,814.23 | S/ 9,711.72 | S/ 14,693.91 | S/ 19,762.28 | S/ 298,112.28 |
| 7.00% | S/ 4,748.11 | S/ 9,577.21 | S/ 14,488.68 | S/ 19,483.94 | S/ 297,833.94 |
| 6.50% | S/ 4,416.81 | S/ 8,903.71 | S/ 13,461.81 | S/ 18,092.23 | S/ 296,442.23 |
| 6.10% | S/ 4,150.94 | S/ 8,363.77 | S/ 12,639.44 | S/ 16,978.86 | S/ 295,328.86 |
| 6.20% | S/ 4,217.48 | S/ 8,498.85 | S/ 12,845.10 | S/ 17,257.20 | S/ 295,607.20 |
| 5.90% | S/ 4,017.72 | S/ 8,093.42 | S/ 12,227.96 | S/ 16,422.18 | S/ 294,772.18 |
| 5.75% | S/ 3,917.68 | S/ 7,890.49 | S/ 11,919.23 | S/ 16,004.66 | S/ 294,354.66 |
| 5.70% | S/ 3,884.31 | S/ 7,822.82 | S/ 11,816.29 | S/ 15,865.49 | S/ 294,215.49 |
| 5.65% | S/ 3,850.93 | S/ 7,755.13 | S/ 11,713.34 | S/ 15,726.32 | S/ 294,076.32 |
| 5.60% | S/ 3,817.53 | S/ 7,687.42 | S/ 11,610.38 | S/ 15,587.15 | S/ 293,937.15 |
| 5.50% | S/ 3,750.71 | S/ 7,551.96 | S/ 11,404.43 | S/ 15,308.81 | S/ 293,658.81 |
| 5.30% | S/ 3,616.92 | S/ 7,280.84 | S/ 10,992.37 | S/ 14,752.13 | S/ 293,102.13 |
| 5.25% | S/ 3,583.44 | S/ 7,213.02 | S/ 10,889.32 | S/ 14,612.96 | S/ 292,962.96 |
| 5.05% | S/ 3,449.42 | S/ 6,941.58 | S/ 10,477.02 | S/ 14,056.27 | S/ 292,406.27 |
| 5.00% | S/ 3,415.88 | S/ 6,873.68 | S/ 10,373.91 | S/ 13,917.10 | S/ 292,267.10 |
| 4.95% | S/ 3,382.33 | S/ 6,805.76 | S/ 10,270.79 | S/ 13,777.93 | S/ 292,127.93 |
| 4.75% | S/ 3,248.02 | S/ 6,533.93 | S/ 9,858.20 | S/ 13,221.25 | S/ 291,571.25 |
| 4.55% | S/ 3,113.51 | S/ 6,261.85 | S/ 9,445.40 | S/ 12,664.56 | S/ 291,014.56 |
| 4.50% | S/ 3,079.85 | S/ 6,193.78 | S/ 9,342.17 | S/ 12,525.39 | S/ 290,875.39 |
| 4.40% | S/ 3,012.50 | S/ 6,057.61 | S/ 9,135.67 | S/ 12,247.05 | S/ 290,597.05 |
| 4.30% | S/ 2,945.10 | S/ 5,921.37 | S/ 8,929.13 | S/ 11,968.71 | S/ 290,318.71 |
| 4.25% | S/ 2,911.39 | S/ 5,853.23 | S/ 8,825.84 | S/ 11,829.54 | S/ 290,179.54 |
| 4.20% | S/ 2,877.66 | S/ 5,785.07 | S/ 8,722.53 | S/ 11,690.37 | S/ 290,040.37 |
| 4.15% | S/ 2,843.92 | S/ 5,716.89 | S/ 8,619.22 | S/ 11,551.19 | S/ 289,901.19 |
| 4.00% | S/ 2,742.62 | S/ 5,512.26 | S/ 8,309.19 | S/ 11,133.68 | S/ 289,483.68 |
| 3.90% | S/ 2,675.03 | S/ 5,375.76 | S/ 8,102.45 | S/ 10,855.34 | S/ 289,205.34 |
| 3.75% | S/ 2,573.54 | S/ 5,170.88 | S/ 7,792.24 | S/ 10,437.83 | S/ 288,787.83 |
| 3.50% | S/ 2,404.17 | S/ 4,829.10 | S/ 7,274.97 | S/ 9,741.97 | S/ 288,091.97 |
| 3.00% | S/ 2,064.48 | S/ 4,144.28 | S/ 6,239.50 | S/ 8,350.26 | S/ 286,700.26 |
| 2.75% | S/ 1,894.18 | S/ 3,801.25 | S/ 5,721.30 | S/ 7,654.41 | S/ 286,004.41 |
| 2.50% | S/ 1,723.56 | S/ 3,457.80 | S/ 5,202.77 | S/ 6,958.55 | S/ 285,308.55 |
| 2.00% | S/ 1,381.39 | S/ 2,769.64 | S/ 4,164.78 | S/ 5,566.84 | S/ 283,916.84 |
| 1.35% | S/ 934.69 | S/ 1,872.51 | S/ 2,813.49 | S/ 3,757.62 | S/ 282,107.62 |
| 1.00% | S/ 693.26 | S/ 1,388.25 | S/ 2,084.97 | S/ 2,783.42 | S/ 281,133.42 |
| 0.10% | S/ 69.56 | S/ 139.14 | S/ 208.73 | S/ 278.34 | S/ 278,628.34 |
Sobre los datos
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Para S/ 278,350 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/ 278,350 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.