Cálculo de intereses
Ahorrando S/ 306,675
Veamos que pasaría si Usted ahorrara 306,675 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2023) 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/ 306,675.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,503.46 | S/ 7,046.95 | S/ 10,630.92 | S/ 14,255.83 | S/ 320,930.83 |
| 8.50% | S/ 6,318.67 | S/ 12,767.54 | S/ 19,349.27 | S/ 26,066.61 | S/ 332,741.61 |
| 8.00% | S/ 5,957.47 | S/ 12,030.67 | S/ 18,221.84 | S/ 24,533.29 | S/ 331,208.29 |
| 7.10% | S/ 5,304.12 | S/ 10,699.98 | S/ 16,189.17 | S/ 21,773.29 | S/ 328,448.29 |
| 7.00% | S/ 5,231.28 | S/ 10,551.79 | S/ 15,963.05 | S/ 21,466.63 | S/ 328,141.63 |
| 6.50% | S/ 4,866.27 | S/ 9,809.75 | S/ 14,831.68 | S/ 19,933.30 | S/ 326,608.30 |
| 6.10% | S/ 4,573.34 | S/ 9,214.87 | S/ 13,925.63 | S/ 18,706.64 | S/ 325,381.64 |
| 6.20% | S/ 4,646.65 | S/ 9,363.70 | S/ 14,152.22 | S/ 19,013.30 | S/ 325,688.30 |
| 5.90% | S/ 4,426.56 | S/ 8,917.01 | S/ 13,472.28 | S/ 18,093.30 | S/ 324,768.30 |
| 5.75% | S/ 4,316.34 | S/ 8,693.43 | S/ 13,132.13 | S/ 17,633.30 | S/ 324,308.30 |
| 5.70% | S/ 4,279.58 | S/ 8,618.87 | S/ 13,018.72 | S/ 17,479.97 | S/ 324,154.97 |
| 5.65% | S/ 4,242.80 | S/ 8,544.29 | S/ 12,905.30 | S/ 17,326.64 | S/ 324,001.64 |
| 5.60% | S/ 4,206.01 | S/ 8,469.70 | S/ 12,791.86 | S/ 17,173.31 | S/ 323,848.31 |
| 5.50% | S/ 4,132.38 | S/ 8,320.45 | S/ 12,564.95 | S/ 16,866.64 | S/ 323,541.64 |
| 5.30% | S/ 3,984.98 | S/ 8,021.74 | S/ 12,110.96 | S/ 16,253.31 | S/ 322,928.31 |
| 5.25% | S/ 3,948.10 | S/ 7,947.02 | S/ 11,997.43 | S/ 16,099.98 | S/ 322,774.98 |
| 5.05% | S/ 3,800.43 | S/ 7,647.96 | S/ 11,543.17 | S/ 15,486.64 | S/ 322,161.64 |
| 5.00% | S/ 3,763.48 | S/ 7,573.15 | S/ 11,429.57 | S/ 15,333.31 | S/ 322,008.31 |
| 4.95% | S/ 3,726.52 | S/ 7,498.32 | S/ 11,315.95 | S/ 15,179.98 | S/ 321,854.98 |
| 4.75% | S/ 3,578.54 | S/ 7,198.83 | S/ 10,861.37 | S/ 14,566.65 | S/ 321,241.65 |
| 4.55% | S/ 3,430.34 | S/ 6,899.05 | S/ 10,406.57 | S/ 13,953.31 | S/ 320,628.31 |
| 4.50% | S/ 3,393.26 | S/ 6,824.07 | S/ 10,292.83 | S/ 13,799.98 | S/ 320,474.98 |
| 4.40% | S/ 3,319.06 | S/ 6,674.03 | S/ 10,065.32 | S/ 13,493.31 | S/ 320,168.31 |
| 4.30% | S/ 3,244.80 | S/ 6,523.93 | S/ 9,837.76 | S/ 13,186.65 | S/ 319,861.65 |
| 4.25% | S/ 3,207.65 | S/ 6,448.85 | S/ 9,723.96 | S/ 13,033.31 | S/ 319,708.31 |
| 4.20% | S/ 3,170.49 | S/ 6,373.76 | S/ 9,610.14 | S/ 12,879.98 | S/ 319,554.98 |
| 4.15% | S/ 3,133.31 | S/ 6,298.64 | S/ 9,496.31 | S/ 12,726.65 | S/ 319,401.65 |
| 4.00% | S/ 3,021.71 | S/ 6,073.19 | S/ 9,154.74 | S/ 12,266.65 | S/ 318,941.65 |
| 3.90% | S/ 2,947.24 | S/ 5,922.80 | S/ 8,926.96 | S/ 11,959.98 | S/ 318,634.98 |
| 3.75% | S/ 2,835.43 | S/ 5,697.08 | S/ 8,585.18 | S/ 11,499.98 | S/ 318,174.98 |
| 3.50% | S/ 2,648.81 | S/ 5,320.51 | S/ 8,015.28 | S/ 10,733.32 | S/ 317,408.32 |
| 3.00% | S/ 2,274.57 | S/ 4,566.00 | S/ 6,874.44 | S/ 9,199.99 | S/ 315,874.99 |
| 2.75% | S/ 2,086.93 | S/ 4,188.06 | S/ 6,303.50 | S/ 8,433.32 | S/ 315,108.32 |
| 2.50% | S/ 1,898.95 | S/ 3,809.67 | S/ 5,732.21 | S/ 7,666.66 | S/ 314,341.66 |
| 2.00% | S/ 1,521.96 | S/ 3,051.48 | S/ 4,588.59 | S/ 6,133.33 | S/ 312,808.33 |
| 1.35% | S/ 1,029.80 | S/ 2,063.06 | S/ 3,099.79 | S/ 4,140.00 | S/ 310,815.00 |
| 1.00% | S/ 763.81 | S/ 1,529.52 | S/ 2,297.13 | S/ 3,066.66 | S/ 309,741.66 |
| 0.10% | S/ 76.64 | S/ 153.29 | S/ 229.97 | S/ 306.67 | S/ 306,981.67 |
Sobre los datos
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Para S/ 306,675 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/ 306,675 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.
