Cálculo de intereses
Ahorrando S/ 312,589
Veamos que pasaría si Usted ahorrara 312,589 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/ 312,589.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,571.03 | S/ 7,182.85 | S/ 10,835.93 | S/ 14,530.75 | S/ 327,119.75 |
| 8.50% | S/ 6,440.53 | S/ 13,013.75 | S/ 19,722.41 | S/ 26,569.29 | S/ 339,158.29 |
| 8.00% | S/ 6,072.35 | S/ 12,262.67 | S/ 18,573.24 | S/ 25,006.39 | S/ 337,595.39 |
| 7.10% | S/ 5,406.41 | S/ 10,906.33 | S/ 16,501.37 | S/ 22,193.18 | S/ 334,782.18 |
| 7.00% | S/ 5,332.16 | S/ 10,755.27 | S/ 16,270.89 | S/ 21,880.60 | S/ 334,469.60 |
| 6.50% | S/ 4,960.11 | S/ 9,998.93 | S/ 15,117.70 | S/ 20,317.70 | S/ 332,906.70 |
| 6.10% | S/ 4,661.53 | S/ 9,392.58 | S/ 14,194.18 | S/ 19,067.38 | S/ 331,656.38 |
| 6.20% | S/ 4,736.25 | S/ 9,544.27 | S/ 14,425.14 | S/ 19,379.96 | S/ 331,968.96 |
| 5.90% | S/ 4,511.92 | S/ 9,088.97 | S/ 13,732.09 | S/ 18,442.22 | S/ 331,031.22 |
| 5.75% | S/ 4,399.58 | S/ 8,861.08 | S/ 13,385.38 | S/ 17,973.35 | S/ 330,562.35 |
| 5.70% | S/ 4,362.10 | S/ 8,785.08 | S/ 13,269.78 | S/ 17,817.06 | S/ 330,406.06 |
| 5.65% | S/ 4,324.62 | S/ 8,709.06 | S/ 13,154.17 | S/ 17,660.77 | S/ 330,249.77 |
| 5.60% | S/ 4,287.12 | S/ 8,633.03 | S/ 13,038.54 | S/ 17,504.48 | S/ 330,093.48 |
| 5.50% | S/ 4,212.07 | S/ 8,480.90 | S/ 12,807.25 | S/ 17,191.90 | S/ 329,780.90 |
| 5.30% | S/ 4,061.83 | S/ 8,176.43 | S/ 12,344.51 | S/ 16,566.74 | S/ 329,155.74 |
| 5.25% | S/ 4,024.23 | S/ 8,100.27 | S/ 12,228.79 | S/ 16,410.45 | S/ 328,999.45 |
| 5.05% | S/ 3,873.72 | S/ 7,795.44 | S/ 11,765.77 | S/ 15,785.29 | S/ 328,374.29 |
| 5.00% | S/ 3,836.06 | S/ 7,719.19 | S/ 11,649.98 | S/ 15,629.00 | S/ 328,218.00 |
| 4.95% | S/ 3,798.38 | S/ 7,642.92 | S/ 11,534.17 | S/ 15,472.71 | S/ 328,061.71 |
| 4.75% | S/ 3,647.55 | S/ 7,337.65 | S/ 11,070.82 | S/ 14,847.55 | S/ 327,436.55 |
| 4.55% | S/ 3,496.49 | S/ 7,032.10 | S/ 10,607.25 | S/ 14,222.39 | S/ 326,811.39 |
| 4.50% | S/ 3,458.70 | S/ 6,955.66 | S/ 10,491.32 | S/ 14,066.10 | S/ 326,655.10 |
| 4.40% | S/ 3,383.06 | S/ 6,802.74 | S/ 10,259.43 | S/ 13,753.52 | S/ 326,342.52 |
| 4.30% | S/ 3,307.37 | S/ 6,649.74 | S/ 10,027.47 | S/ 13,440.94 | S/ 326,029.94 |
| 4.25% | S/ 3,269.51 | S/ 6,573.21 | S/ 9,911.48 | S/ 13,284.65 | S/ 325,873.65 |
| 4.20% | S/ 3,231.63 | S/ 6,496.67 | S/ 9,795.46 | S/ 13,128.36 | S/ 325,717.36 |
| 4.15% | S/ 3,193.74 | S/ 6,420.11 | S/ 9,679.44 | S/ 12,972.07 | S/ 325,561.07 |
| 4.00% | S/ 3,079.98 | S/ 6,190.31 | S/ 9,331.28 | S/ 12,503.20 | S/ 325,092.20 |
| 3.90% | S/ 3,004.07 | S/ 6,037.02 | S/ 9,099.11 | S/ 12,190.62 | S/ 324,779.62 |
| 3.75% | S/ 2,890.11 | S/ 5,806.94 | S/ 8,750.74 | S/ 11,721.75 | S/ 324,310.75 |
| 3.50% | S/ 2,699.89 | S/ 5,423.11 | S/ 8,169.84 | S/ 10,940.30 | S/ 323,529.30 |
| 3.00% | S/ 2,318.43 | S/ 4,654.06 | S/ 7,007.00 | S/ 9,377.40 | S/ 321,966.40 |
| 2.75% | S/ 2,127.18 | S/ 4,268.83 | S/ 6,425.05 | S/ 8,595.95 | S/ 321,184.95 |
| 2.50% | S/ 1,935.57 | S/ 3,883.13 | S/ 5,842.75 | S/ 7,814.50 | S/ 320,403.50 |
| 2.00% | S/ 1,551.31 | S/ 3,110.33 | S/ 4,677.08 | S/ 6,251.60 | S/ 318,840.60 |
| 1.35% | S/ 1,049.66 | S/ 2,102.84 | S/ 3,159.56 | S/ 4,219.83 | S/ 316,808.83 |
| 1.00% | S/ 778.54 | S/ 1,559.01 | S/ 2,341.43 | S/ 3,125.80 | S/ 315,714.80 |
| 0.10% | S/ 78.12 | S/ 156.25 | S/ 234.41 | S/ 312.58 | S/ 312,901.58 |
Sobre los datos
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Para S/ 312,589 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/ 312,589 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.