Cálculo de intereses
Ahorrando S/ 298,462
Veamos que pasaría si Usted ahorrara 298,462 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2020) 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/ 298,462.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,409.64 | S/ 6,858.23 | S/ 10,346.22 | S/ 13,874.05 | S/ 312,336.05 |
| 8.50% | S/ 6,149.46 | S/ 12,425.61 | S/ 18,831.08 | S/ 25,368.53 | S/ 323,830.53 |
| 8.00% | S/ 5,797.92 | S/ 11,708.47 | S/ 17,733.85 | S/ 23,876.27 | S/ 322,338.27 |
| 7.10% | S/ 5,162.07 | S/ 10,413.43 | S/ 15,755.61 | S/ 21,190.19 | S/ 319,652.19 |
| 7.00% | S/ 5,091.18 | S/ 10,269.20 | S/ 15,535.55 | S/ 20,891.74 | S/ 319,353.74 |
| 6.50% | S/ 4,735.95 | S/ 9,547.04 | S/ 14,434.48 | S/ 19,399.47 | S/ 317,861.47 |
| 6.10% | S/ 4,450.86 | S/ 8,968.09 | S/ 13,552.69 | S/ 18,205.66 | S/ 316,667.66 |
| 6.20% | S/ 4,522.21 | S/ 9,112.93 | S/ 13,773.22 | S/ 18,504.11 | S/ 316,966.11 |
| 5.90% | S/ 4,308.01 | S/ 8,678.21 | S/ 13,111.49 | S/ 17,608.75 | S/ 316,070.75 |
| 5.75% | S/ 4,200.75 | S/ 8,460.62 | S/ 12,780.44 | S/ 17,161.07 | S/ 315,623.07 |
| 5.70% | S/ 4,164.97 | S/ 8,388.05 | S/ 12,670.07 | S/ 17,011.84 | S/ 315,473.84 |
| 5.65% | S/ 4,129.17 | S/ 8,315.47 | S/ 12,559.68 | S/ 16,862.62 | S/ 315,324.62 |
| 5.60% | S/ 4,093.37 | S/ 8,242.87 | S/ 12,449.29 | S/ 16,713.39 | S/ 315,175.39 |
| 5.50% | S/ 4,021.71 | S/ 8,097.62 | S/ 12,228.45 | S/ 16,414.94 | S/ 314,876.94 |
| 5.30% | S/ 3,878.26 | S/ 7,806.91 | S/ 11,786.62 | S/ 15,818.03 | S/ 314,280.03 |
| 5.25% | S/ 3,842.36 | S/ 7,734.19 | S/ 11,676.12 | S/ 15,668.80 | S/ 314,130.80 |
| 5.05% | S/ 3,698.65 | S/ 7,443.14 | S/ 11,234.03 | S/ 15,071.90 | S/ 313,533.90 |
| 5.00% | S/ 3,662.69 | S/ 7,370.33 | S/ 11,123.47 | S/ 14,922.67 | S/ 313,384.67 |
| 4.95% | S/ 3,626.72 | S/ 7,297.51 | S/ 11,012.90 | S/ 14,773.45 | S/ 313,235.45 |
| 4.75% | S/ 3,482.70 | S/ 7,006.04 | S/ 10,570.49 | S/ 14,176.54 | S/ 312,638.54 |
| 4.55% | S/ 3,338.47 | S/ 6,714.29 | S/ 10,127.87 | S/ 13,579.63 | S/ 312,041.63 |
| 4.50% | S/ 3,302.39 | S/ 6,641.31 | S/ 10,017.18 | S/ 13,430.41 | S/ 311,892.41 |
| 4.40% | S/ 3,230.17 | S/ 6,495.30 | S/ 9,795.77 | S/ 13,131.95 | S/ 311,593.95 |
| 4.30% | S/ 3,157.90 | S/ 6,349.22 | S/ 9,574.30 | S/ 12,833.50 | S/ 311,295.50 |
| 4.25% | S/ 3,121.75 | S/ 6,276.15 | S/ 9,463.54 | S/ 12,684.27 | S/ 311,146.27 |
| 4.20% | S/ 3,085.58 | S/ 6,203.06 | S/ 9,352.77 | S/ 12,535.05 | S/ 310,997.05 |
| 4.15% | S/ 3,049.40 | S/ 6,129.96 | S/ 9,241.99 | S/ 12,385.82 | S/ 310,847.82 |
| 4.00% | S/ 2,940.78 | S/ 5,910.55 | S/ 8,909.57 | S/ 11,938.14 | S/ 310,400.14 |
| 3.90% | S/ 2,868.31 | S/ 5,764.18 | S/ 8,687.88 | S/ 11,639.69 | S/ 310,101.69 |
| 3.75% | S/ 2,759.49 | S/ 5,544.50 | S/ 8,355.26 | S/ 11,192.01 | S/ 309,654.01 |
| 3.50% | S/ 2,577.88 | S/ 5,178.02 | S/ 7,800.62 | S/ 10,445.87 | S/ 308,907.87 |
| 3.00% | S/ 2,213.65 | S/ 4,443.72 | S/ 6,690.33 | S/ 8,953.61 | S/ 307,415.61 |
| 2.75% | S/ 2,031.04 | S/ 4,075.91 | S/ 6,134.68 | S/ 8,207.47 | S/ 306,669.47 |
| 2.50% | S/ 1,848.10 | S/ 3,707.64 | S/ 5,578.70 | S/ 7,461.34 | S/ 305,923.34 |
| 2.00% | S/ 1,481.20 | S/ 2,969.76 | S/ 4,465.70 | S/ 5,969.07 | S/ 304,431.07 |
| 1.35% | S/ 1,002.22 | S/ 2,007.81 | S/ 3,016.77 | S/ 4,029.12 | S/ 302,491.12 |
| 1.00% | S/ 743.35 | S/ 1,488.56 | S/ 2,235.62 | S/ 2,984.54 | S/ 301,446.54 |
| 0.10% | S/ 74.59 | S/ 149.19 | S/ 223.81 | S/ 298.45 | S/ 298,760.45 |
Sobre los datos
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Para S/ 298,462 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/ 298,462 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.
