Cálculo de intereses
Ahorrando S/ 300,237
Veamos que pasaría si Usted ahorrara 300,237 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/ 300,237.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,429.92 | S/ 6,899.02 | S/ 10,407.75 | S/ 13,956.56 | S/ 314,193.56 |
| 8.50% | S/ 6,186.03 | S/ 12,499.51 | S/ 18,943.07 | S/ 25,519.40 | S/ 325,756.40 |
| 8.00% | S/ 5,832.40 | S/ 11,778.11 | S/ 17,839.31 | S/ 24,018.26 | S/ 324,255.26 |
| 7.10% | S/ 5,192.77 | S/ 10,475.36 | S/ 15,849.31 | S/ 21,316.21 | S/ 321,553.21 |
| 7.00% | S/ 5,121.46 | S/ 10,330.27 | S/ 15,627.94 | S/ 21,015.98 | S/ 321,252.98 |
| 6.50% | S/ 4,764.11 | S/ 9,603.82 | S/ 14,520.32 | S/ 19,514.84 | S/ 319,751.84 |
| 6.10% | S/ 4,477.33 | S/ 9,021.43 | S/ 13,633.29 | S/ 18,313.93 | S/ 318,550.93 |
| 6.20% | S/ 4,549.10 | S/ 9,167.13 | S/ 13,855.13 | S/ 18,614.16 | S/ 318,851.16 |
| 5.90% | S/ 4,333.63 | S/ 8,729.82 | S/ 13,189.46 | S/ 17,713.47 | S/ 317,950.47 |
| 5.75% | S/ 4,225.73 | S/ 8,510.93 | S/ 12,856.45 | S/ 17,263.13 | S/ 317,500.13 |
| 5.70% | S/ 4,189.74 | S/ 8,437.94 | S/ 12,745.42 | S/ 17,113.02 | S/ 317,350.02 |
| 5.65% | S/ 4,153.73 | S/ 8,364.92 | S/ 12,634.38 | S/ 16,962.90 | S/ 317,199.90 |
| 5.60% | S/ 4,117.71 | S/ 8,291.89 | S/ 12,523.32 | S/ 16,812.79 | S/ 317,049.79 |
| 5.50% | S/ 4,045.63 | S/ 8,145.78 | S/ 12,301.17 | S/ 16,512.56 | S/ 316,749.56 |
| 5.30% | S/ 3,901.32 | S/ 7,853.34 | S/ 11,856.71 | S/ 15,912.10 | S/ 316,149.10 |
| 5.25% | S/ 3,865.21 | S/ 7,780.19 | S/ 11,745.56 | S/ 15,761.99 | S/ 315,998.99 |
| 5.05% | S/ 3,720.65 | S/ 7,487.41 | S/ 11,300.84 | S/ 15,161.53 | S/ 315,398.53 |
| 5.00% | S/ 3,684.48 | S/ 7,414.17 | S/ 11,189.63 | S/ 15,011.42 | S/ 315,248.42 |
| 4.95% | S/ 3,648.29 | S/ 7,340.91 | S/ 11,078.40 | S/ 14,861.31 | S/ 315,098.31 |
| 4.75% | S/ 3,503.41 | S/ 7,047.71 | S/ 10,633.36 | S/ 14,260.85 | S/ 314,497.85 |
| 4.55% | S/ 3,358.33 | S/ 6,754.22 | S/ 10,188.10 | S/ 13,660.39 | S/ 313,897.39 |
| 4.50% | S/ 3,322.03 | S/ 6,680.81 | S/ 10,076.76 | S/ 13,510.28 | S/ 313,747.28 |
| 4.40% | S/ 3,249.38 | S/ 6,533.93 | S/ 9,854.02 | S/ 13,210.05 | S/ 313,447.05 |
| 4.30% | S/ 3,176.68 | S/ 6,386.98 | S/ 9,631.24 | S/ 12,909.82 | S/ 313,146.82 |
| 4.25% | S/ 3,140.31 | S/ 6,313.47 | S/ 9,519.82 | S/ 12,759.71 | S/ 312,996.71 |
| 4.20% | S/ 3,103.93 | S/ 6,239.95 | S/ 9,408.40 | S/ 12,609.59 | S/ 312,846.59 |
| 4.15% | S/ 3,067.54 | S/ 6,166.42 | S/ 9,296.95 | S/ 12,459.48 | S/ 312,696.48 |
| 4.00% | S/ 2,958.27 | S/ 5,945.70 | S/ 8,962.55 | S/ 12,009.14 | S/ 312,246.14 |
| 3.90% | S/ 2,885.37 | S/ 5,798.46 | S/ 8,739.55 | S/ 11,708.91 | S/ 311,945.91 |
| 3.75% | S/ 2,775.91 | S/ 5,577.48 | S/ 8,404.95 | S/ 11,258.57 | S/ 311,495.57 |
| 3.50% | S/ 2,593.21 | S/ 5,208.81 | S/ 7,847.01 | S/ 10,508.00 | S/ 310,745.00 |
| 3.00% | S/ 2,226.82 | S/ 4,470.15 | S/ 6,730.12 | S/ 9,006.85 | S/ 309,243.85 |
| 2.75% | S/ 2,043.12 | S/ 4,100.15 | S/ 6,171.17 | S/ 8,256.28 | S/ 308,493.28 |
| 2.50% | S/ 1,859.09 | S/ 3,729.69 | S/ 5,611.87 | S/ 7,505.71 | S/ 307,742.71 |
| 2.00% | S/ 1,490.01 | S/ 2,987.42 | S/ 4,492.26 | S/ 6,004.57 | S/ 306,241.57 |
| 1.35% | S/ 1,008.18 | S/ 2,019.75 | S/ 3,034.71 | S/ 4,053.09 | S/ 304,290.09 |
| 1.00% | S/ 747.77 | S/ 1,497.41 | S/ 2,248.91 | S/ 3,002.29 | S/ 303,239.29 |
| 0.10% | S/ 75.03 | S/ 150.08 | S/ 225.14 | S/ 300.23 | S/ 300,537.23 |
Sobre los datos
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Para S/ 300,237 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/ 300,237 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.