Cálculo de intereses
Ahorrando S/ 309,885
Veamos que pasaría si Usted ahorrara 309,885 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/ 309,885.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,540.14 | S/ 7,120.71 | S/ 10,742.20 | S/ 14,405.05 | S/ 324,290.05 |
| 8.50% | S/ 6,384.81 | S/ 12,901.18 | S/ 19,551.80 | S/ 26,339.46 | S/ 336,224.46 |
| 8.00% | S/ 6,019.83 | S/ 12,156.59 | S/ 18,412.57 | S/ 24,790.08 | S/ 334,675.08 |
| 7.10% | S/ 5,359.64 | S/ 10,811.98 | S/ 16,358.62 | S/ 22,001.20 | S/ 331,886.20 |
| 7.00% | S/ 5,286.03 | S/ 10,662.23 | S/ 16,130.14 | S/ 21,691.32 | S/ 331,576.32 |
| 6.50% | S/ 4,917.20 | S/ 9,912.43 | S/ 14,986.93 | S/ 20,141.94 | S/ 330,026.94 |
| 6.10% | S/ 4,621.21 | S/ 9,311.33 | S/ 14,071.39 | S/ 18,902.44 | S/ 328,787.44 |
| 6.20% | S/ 4,695.28 | S/ 9,461.71 | S/ 14,300.36 | S/ 19,212.32 | S/ 329,097.32 |
| 5.90% | S/ 4,472.89 | S/ 9,010.35 | S/ 13,613.30 | S/ 18,282.69 | S/ 328,167.69 |
| 5.75% | S/ 4,361.52 | S/ 8,784.43 | S/ 13,269.59 | S/ 17,817.87 | S/ 327,702.87 |
| 5.70% | S/ 4,324.37 | S/ 8,709.09 | S/ 13,154.99 | S/ 17,662.94 | S/ 327,547.94 |
| 5.65% | S/ 4,287.21 | S/ 8,633.73 | S/ 13,040.38 | S/ 17,508.00 | S/ 327,393.00 |
| 5.60% | S/ 4,250.03 | S/ 8,558.35 | S/ 12,925.76 | S/ 17,353.06 | S/ 327,238.06 |
| 5.50% | S/ 4,175.64 | S/ 8,407.54 | S/ 12,696.47 | S/ 17,043.18 | S/ 326,928.18 |
| 5.30% | S/ 4,026.69 | S/ 8,105.71 | S/ 12,237.72 | S/ 16,423.43 | S/ 326,308.43 |
| 5.25% | S/ 3,989.42 | S/ 8,030.20 | S/ 12,123.00 | S/ 16,268.50 | S/ 326,153.50 |
| 5.05% | S/ 3,840.21 | S/ 7,728.01 | S/ 11,663.99 | S/ 15,648.74 | S/ 325,533.74 |
| 5.00% | S/ 3,802.87 | S/ 7,652.42 | S/ 11,549.20 | S/ 15,493.81 | S/ 325,378.81 |
| 4.95% | S/ 3,765.52 | S/ 7,576.81 | S/ 11,434.40 | S/ 15,338.87 | S/ 325,223.87 |
| 4.75% | S/ 3,615.99 | S/ 7,274.18 | S/ 10,975.06 | S/ 14,719.12 | S/ 324,604.12 |
| 4.55% | S/ 3,466.25 | S/ 6,971.27 | S/ 10,515.49 | S/ 14,099.36 | S/ 323,984.36 |
| 4.50% | S/ 3,428.78 | S/ 6,895.49 | S/ 10,400.57 | S/ 13,944.43 | S/ 323,829.43 |
| 4.40% | S/ 3,353.80 | S/ 6,743.89 | S/ 10,170.68 | S/ 13,634.55 | S/ 323,519.55 |
| 4.30% | S/ 3,278.76 | S/ 6,592.22 | S/ 9,940.73 | S/ 13,324.67 | S/ 323,209.67 |
| 4.25% | S/ 3,241.23 | S/ 6,516.35 | S/ 9,825.74 | S/ 13,169.74 | S/ 323,054.74 |
| 4.20% | S/ 3,203.68 | S/ 6,440.47 | S/ 9,710.73 | S/ 13,014.80 | S/ 322,899.80 |
| 4.15% | S/ 3,166.11 | S/ 6,364.57 | S/ 9,595.71 | S/ 12,859.86 | S/ 322,744.86 |
| 4.00% | S/ 3,053.34 | S/ 6,136.76 | S/ 9,250.56 | S/ 12,395.05 | S/ 322,280.05 |
| 3.90% | S/ 2,978.09 | S/ 5,984.79 | S/ 9,020.40 | S/ 12,085.17 | S/ 321,970.17 |
| 3.75% | S/ 2,865.11 | S/ 5,756.71 | S/ 8,675.04 | S/ 11,620.36 | S/ 321,505.36 |
| 3.50% | S/ 2,676.54 | S/ 5,376.20 | S/ 8,099.17 | S/ 10,845.67 | S/ 320,730.67 |
| 3.00% | S/ 2,298.37 | S/ 4,613.80 | S/ 6,946.39 | S/ 9,296.29 | S/ 319,181.29 |
| 2.75% | S/ 2,108.78 | S/ 4,231.90 | S/ 6,369.48 | S/ 8,521.60 | S/ 318,406.60 |
| 2.50% | S/ 1,918.83 | S/ 3,849.54 | S/ 5,792.21 | S/ 7,746.91 | S/ 317,631.91 |
| 2.00% | S/ 1,537.89 | S/ 3,083.42 | S/ 4,636.62 | S/ 6,197.52 | S/ 316,082.52 |
| 1.35% | S/ 1,040.58 | S/ 2,084.65 | S/ 3,132.23 | S/ 4,183.33 | S/ 314,068.33 |
| 1.00% | S/ 771.80 | S/ 1,545.53 | S/ 2,321.18 | S/ 3,098.76 | S/ 312,983.76 |
| 0.10% | S/ 77.44 | S/ 154.90 | S/ 232.38 | S/ 309.88 | S/ 310,194.88 |
Sobre los datos
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Para S/ 309,885 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/ 309,885 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.