Cálculo de intereses
Ahorrando S/ 314,649
Veamos que pasaría si Usted ahorrara 314,649 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/ 314,649.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,594.56 | S/ 7,230.18 | S/ 10,907.34 | S/ 14,626.51 | S/ 329,275.51 |
| 8.50% | S/ 6,482.97 | S/ 13,099.51 | S/ 19,852.38 | S/ 26,744.39 | S/ 341,393.39 |
| 8.00% | S/ 6,112.37 | S/ 12,343.48 | S/ 18,695.64 | S/ 25,171.19 | S/ 339,820.19 |
| 7.10% | S/ 5,442.04 | S/ 10,978.20 | S/ 16,610.11 | S/ 22,339.43 | S/ 336,988.43 |
| 7.00% | S/ 5,367.30 | S/ 10,826.15 | S/ 16,378.12 | S/ 22,024.79 | S/ 336,673.79 |
| 6.50% | S/ 4,992.80 | S/ 10,064.82 | S/ 15,217.33 | S/ 20,451.59 | S/ 335,100.59 |
| 6.10% | S/ 4,692.25 | S/ 9,454.48 | S/ 14,287.72 | S/ 19,193.04 | S/ 333,842.04 |
| 6.20% | S/ 4,767.47 | S/ 9,607.17 | S/ 14,520.20 | S/ 19,507.68 | S/ 334,156.68 |
| 5.90% | S/ 4,541.66 | S/ 9,148.87 | S/ 13,822.58 | S/ 18,563.76 | S/ 333,212.76 |
| 5.75% | S/ 4,428.57 | S/ 8,919.48 | S/ 13,473.59 | S/ 18,091.80 | S/ 332,740.80 |
| 5.70% | S/ 4,390.85 | S/ 8,842.98 | S/ 13,357.23 | S/ 17,934.48 | S/ 332,583.48 |
| 5.65% | S/ 4,353.12 | S/ 8,766.46 | S/ 13,240.86 | S/ 17,777.16 | S/ 332,426.16 |
| 5.60% | S/ 4,315.37 | S/ 8,689.92 | S/ 13,124.47 | S/ 17,619.84 | S/ 332,268.84 |
| 5.50% | S/ 4,239.83 | S/ 8,536.79 | S/ 12,891.65 | S/ 17,305.20 | S/ 331,954.20 |
| 5.30% | S/ 4,088.60 | S/ 8,230.32 | S/ 12,425.86 | S/ 16,675.92 | S/ 331,324.92 |
| 5.25% | S/ 4,050.75 | S/ 8,153.65 | S/ 12,309.38 | S/ 16,518.60 | S/ 331,167.60 |
| 5.05% | S/ 3,899.25 | S/ 7,846.82 | S/ 11,843.30 | S/ 15,889.32 | S/ 330,538.32 |
| 5.00% | S/ 3,861.34 | S/ 7,770.06 | S/ 11,726.75 | S/ 15,732.00 | S/ 330,381.00 |
| 4.95% | S/ 3,823.41 | S/ 7,693.29 | S/ 11,610.19 | S/ 15,574.68 | S/ 330,223.68 |
| 4.75% | S/ 3,671.58 | S/ 7,386.01 | S/ 11,143.78 | S/ 14,945.40 | S/ 329,594.40 |
| 4.55% | S/ 3,519.54 | S/ 7,078.44 | S/ 10,677.15 | S/ 14,316.12 | S/ 328,965.12 |
| 4.50% | S/ 3,481.49 | S/ 7,001.50 | S/ 10,560.46 | S/ 14,158.80 | S/ 328,807.80 |
| 4.40% | S/ 3,405.36 | S/ 6,847.57 | S/ 10,327.04 | S/ 13,844.16 | S/ 328,493.16 |
| 4.30% | S/ 3,329.17 | S/ 6,693.56 | S/ 10,093.55 | S/ 13,529.52 | S/ 328,178.52 |
| 4.25% | S/ 3,291.06 | S/ 6,616.53 | S/ 9,976.79 | S/ 13,372.20 | S/ 328,021.20 |
| 4.20% | S/ 3,252.93 | S/ 6,539.48 | S/ 9,860.02 | S/ 13,214.88 | S/ 327,863.88 |
| 4.15% | S/ 3,214.79 | S/ 6,462.42 | S/ 9,743.23 | S/ 13,057.56 | S/ 327,706.56 |
| 4.00% | S/ 3,100.28 | S/ 6,231.10 | S/ 9,392.78 | S/ 12,585.60 | S/ 327,234.60 |
| 3.90% | S/ 3,023.87 | S/ 6,076.80 | S/ 9,159.07 | S/ 12,270.96 | S/ 326,919.96 |
| 3.75% | S/ 2,909.16 | S/ 5,845.21 | S/ 8,808.41 | S/ 11,799.00 | S/ 326,448.00 |
| 3.50% | S/ 2,717.69 | S/ 5,458.85 | S/ 8,223.68 | S/ 11,012.40 | S/ 325,661.40 |
| 3.00% | S/ 2,333.71 | S/ 4,684.73 | S/ 7,053.18 | S/ 9,439.20 | S/ 324,088.20 |
| 2.75% | S/ 2,141.19 | S/ 4,296.96 | S/ 6,467.40 | S/ 8,652.60 | S/ 323,301.60 |
| 2.50% | S/ 1,948.33 | S/ 3,908.72 | S/ 5,881.26 | S/ 7,866.00 | S/ 322,515.00 |
| 2.00% | S/ 1,561.54 | S/ 3,130.82 | S/ 4,707.90 | S/ 6,292.80 | S/ 320,941.80 |
| 1.35% | S/ 1,056.58 | S/ 2,116.70 | S/ 3,180.39 | S/ 4,247.64 | S/ 318,896.64 |
| 1.00% | S/ 783.67 | S/ 1,569.29 | S/ 2,356.86 | S/ 3,146.40 | S/ 317,795.40 |
| 0.10% | S/ 78.63 | S/ 157.28 | S/ 235.95 | S/ 314.64 | S/ 314,963.64 |
Sobre los datos
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Para S/ 314,649 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/ 314,649 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.
