Cálculo de intereses
Ahorrando S/ 290,428
Veamos que pasaría si Usted ahorrara 290,428 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/ 290,428.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,317.86 | S/ 6,673.62 | S/ 10,067.72 | S/ 13,500.59 | S/ 303,928.59 |
| 8.50% | S/ 5,983.92 | S/ 12,091.14 | S/ 18,324.19 | S/ 24,685.66 | S/ 315,113.66 |
| 8.00% | S/ 5,641.85 | S/ 11,393.31 | S/ 17,256.49 | S/ 23,233.56 | S/ 313,661.56 |
| 7.10% | S/ 5,023.12 | S/ 10,133.12 | S/ 15,331.50 | S/ 20,619.79 | S/ 311,047.79 |
| 7.00% | S/ 4,954.13 | S/ 9,992.77 | S/ 15,117.37 | S/ 20,329.37 | S/ 310,757.37 |
| 6.50% | S/ 4,608.46 | S/ 9,290.05 | S/ 14,045.93 | S/ 18,877.27 | S/ 309,305.27 |
| 6.10% | S/ 4,331.05 | S/ 8,726.69 | S/ 13,187.88 | S/ 17,715.60 | S/ 308,143.60 |
| 6.20% | S/ 4,400.48 | S/ 8,867.63 | S/ 13,402.47 | S/ 18,006.02 | S/ 308,434.02 |
| 5.90% | S/ 4,192.05 | S/ 8,444.61 | S/ 12,758.55 | S/ 17,134.76 | S/ 307,562.76 |
| 5.75% | S/ 4,087.67 | S/ 8,232.87 | S/ 12,436.42 | S/ 16,699.13 | S/ 307,127.13 |
| 5.70% | S/ 4,052.85 | S/ 8,162.26 | S/ 12,329.02 | S/ 16,553.92 | S/ 306,981.92 |
| 5.65% | S/ 4,018.02 | S/ 8,091.63 | S/ 12,221.60 | S/ 16,408.71 | S/ 306,836.71 |
| 5.60% | S/ 3,983.18 | S/ 8,020.99 | S/ 12,114.18 | S/ 16,263.50 | S/ 306,691.50 |
| 5.50% | S/ 3,913.46 | S/ 7,879.65 | S/ 11,899.28 | S/ 15,973.08 | S/ 306,401.08 |
| 5.30% | S/ 3,773.86 | S/ 7,596.77 | S/ 11,469.34 | S/ 15,392.24 | S/ 305,820.24 |
| 5.25% | S/ 3,738.93 | S/ 7,526.00 | S/ 11,361.83 | S/ 15,247.03 | S/ 305,675.03 |
| 5.05% | S/ 3,599.09 | S/ 7,242.79 | S/ 10,931.63 | S/ 14,666.19 | S/ 305,094.19 |
| 5.00% | S/ 3,564.10 | S/ 7,171.94 | S/ 10,824.05 | S/ 14,520.98 | S/ 304,948.98 |
| 4.95% | S/ 3,529.10 | S/ 7,101.07 | S/ 10,716.46 | S/ 14,375.77 | S/ 304,803.77 |
| 4.75% | S/ 3,388.95 | S/ 6,817.45 | S/ 10,285.96 | S/ 13,794.93 | S/ 304,222.93 |
| 4.55% | S/ 3,248.61 | S/ 6,533.56 | S/ 9,855.25 | S/ 13,214.10 | S/ 303,642.10 |
| 4.50% | S/ 3,213.49 | S/ 6,462.54 | S/ 9,747.54 | S/ 13,068.89 | S/ 303,496.89 |
| 4.40% | S/ 3,143.22 | S/ 6,320.46 | S/ 9,532.08 | S/ 12,778.47 | S/ 303,206.47 |
| 4.30% | S/ 3,072.90 | S/ 6,178.31 | S/ 9,316.57 | S/ 12,488.05 | S/ 302,916.05 |
| 4.25% | S/ 3,037.72 | S/ 6,107.21 | S/ 9,208.80 | S/ 12,342.84 | S/ 302,770.84 |
| 4.20% | S/ 3,002.52 | S/ 6,036.09 | S/ 9,101.01 | S/ 12,197.63 | S/ 302,625.63 |
| 4.15% | S/ 2,967.32 | S/ 5,964.95 | S/ 8,993.22 | S/ 12,052.42 | S/ 302,480.42 |
| 4.00% | S/ 2,861.62 | S/ 5,751.45 | S/ 8,669.74 | S/ 11,616.79 | S/ 302,044.79 |
| 3.90% | S/ 2,791.10 | S/ 5,609.02 | S/ 8,454.02 | S/ 11,326.37 | S/ 301,754.37 |
| 3.75% | S/ 2,685.21 | S/ 5,395.26 | S/ 8,130.35 | S/ 10,890.74 | S/ 301,318.74 |
| 3.50% | S/ 2,508.49 | S/ 5,038.64 | S/ 7,590.64 | S/ 10,164.69 | S/ 300,592.69 |
| 3.00% | S/ 2,154.06 | S/ 4,324.11 | S/ 6,510.24 | S/ 8,712.59 | S/ 299,140.59 |
| 2.75% | S/ 1,976.37 | S/ 3,966.19 | S/ 5,969.55 | S/ 7,986.54 | S/ 298,414.54 |
| 2.50% | S/ 1,798.35 | S/ 3,607.84 | S/ 5,428.53 | S/ 7,260.49 | S/ 297,688.49 |
| 2.00% | S/ 1,441.33 | S/ 2,889.82 | S/ 4,345.50 | S/ 5,808.40 | S/ 296,236.40 |
| 1.35% | S/ 975.24 | S/ 1,953.76 | S/ 2,935.57 | S/ 3,920.67 | S/ 294,348.67 |
| 1.00% | S/ 723.34 | S/ 1,448.49 | S/ 2,175.44 | S/ 2,904.20 | S/ 293,332.20 |
| 0.10% | S/ 72.58 | S/ 145.17 | S/ 217.79 | S/ 290.42 | S/ 290,718.42 |
Sobre los datos
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Para S/ 290,428 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/ 290,428 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.