Cálculo de intereses
Ahorrando S/ 315,482
Veamos que pasaría si Usted ahorrara 315,482 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/ 315,482.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,604.08 | S/ 7,249.33 | S/ 10,936.22 | S/ 14,665.23 | S/ 330,147.23 |
| 8.50% | S/ 6,500.13 | S/ 13,134.19 | S/ 19,904.94 | S/ 26,815.19 | S/ 342,297.19 |
| 8.00% | S/ 6,128.55 | S/ 12,376.16 | S/ 18,745.13 | S/ 25,237.83 | S/ 340,719.83 |
| 7.10% | S/ 5,456.45 | S/ 11,007.26 | S/ 16,654.09 | S/ 22,398.57 | S/ 337,880.57 |
| 7.00% | S/ 5,381.51 | S/ 10,854.81 | S/ 16,421.48 | S/ 22,083.10 | S/ 337,565.10 |
| 6.50% | S/ 5,006.02 | S/ 10,091.47 | S/ 15,257.62 | S/ 20,505.74 | S/ 335,987.74 |
| 6.10% | S/ 4,704.67 | S/ 9,479.50 | S/ 14,325.54 | S/ 19,243.85 | S/ 334,725.85 |
| 6.20% | S/ 4,780.09 | S/ 9,632.60 | S/ 14,558.64 | S/ 19,559.32 | S/ 335,041.32 |
| 5.90% | S/ 4,553.68 | S/ 9,173.09 | S/ 13,859.18 | S/ 18,612.90 | S/ 334,094.90 |
| 5.75% | S/ 4,440.30 | S/ 8,943.09 | S/ 13,509.26 | S/ 18,139.69 | S/ 333,621.69 |
| 5.70% | S/ 4,402.48 | S/ 8,866.39 | S/ 13,392.59 | S/ 17,981.96 | S/ 333,463.96 |
| 5.65% | S/ 4,364.64 | S/ 8,789.67 | S/ 13,275.91 | S/ 17,824.22 | S/ 333,306.22 |
| 5.60% | S/ 4,326.79 | S/ 8,712.93 | S/ 13,159.21 | S/ 17,666.48 | S/ 333,148.48 |
| 5.50% | S/ 4,251.06 | S/ 8,559.39 | S/ 12,925.78 | S/ 17,351.01 | S/ 332,833.01 |
| 5.30% | S/ 4,099.42 | S/ 8,252.11 | S/ 12,458.76 | S/ 16,720.07 | S/ 332,202.07 |
| 5.25% | S/ 4,061.48 | S/ 8,175.24 | S/ 12,341.96 | S/ 16,562.33 | S/ 332,044.33 |
| 5.05% | S/ 3,909.57 | S/ 7,867.59 | S/ 11,874.66 | S/ 15,931.38 | S/ 331,413.38 |
| 5.00% | S/ 3,871.56 | S/ 7,790.63 | S/ 11,757.80 | S/ 15,773.65 | S/ 331,255.65 |
| 4.95% | S/ 3,833.54 | S/ 7,713.65 | S/ 11,640.92 | S/ 15,615.91 | S/ 331,097.91 |
| 4.75% | S/ 3,681.30 | S/ 7,405.56 | S/ 11,173.28 | S/ 14,984.97 | S/ 330,466.97 |
| 4.55% | S/ 3,528.85 | S/ 7,097.18 | S/ 10,705.42 | S/ 14,354.02 | S/ 329,836.02 |
| 4.50% | S/ 3,490.71 | S/ 7,020.04 | S/ 10,588.42 | S/ 14,196.28 | S/ 329,678.28 |
| 4.40% | S/ 3,414.37 | S/ 6,865.70 | S/ 10,354.38 | S/ 13,880.81 | S/ 329,362.81 |
| 4.30% | S/ 3,337.98 | S/ 6,711.28 | S/ 10,120.28 | S/ 13,565.34 | S/ 329,047.34 |
| 4.25% | S/ 3,299.77 | S/ 6,634.05 | S/ 10,003.21 | S/ 13,407.60 | S/ 328,889.60 |
| 4.20% | S/ 3,261.54 | S/ 6,556.80 | S/ 9,886.12 | S/ 13,249.87 | S/ 328,731.87 |
| 4.15% | S/ 3,223.30 | S/ 6,479.52 | S/ 9,769.02 | S/ 13,092.13 | S/ 328,574.13 |
| 4.00% | S/ 3,108.48 | S/ 6,247.60 | S/ 9,417.64 | S/ 12,618.92 | S/ 328,100.92 |
| 3.90% | S/ 3,031.88 | S/ 6,092.89 | S/ 9,183.32 | S/ 12,303.45 | S/ 327,785.45 |
| 3.75% | S/ 2,916.86 | S/ 5,860.68 | S/ 8,831.73 | S/ 11,830.24 | S/ 327,312.24 |
| 3.50% | S/ 2,724.88 | S/ 5,473.30 | S/ 8,245.46 | S/ 11,041.56 | S/ 326,523.56 |
| 3.00% | S/ 2,339.89 | S/ 4,697.13 | S/ 7,071.85 | S/ 9,464.19 | S/ 324,946.19 |
| 2.75% | S/ 2,146.86 | S/ 4,308.34 | S/ 6,484.52 | S/ 8,675.51 | S/ 324,157.51 |
| 2.50% | S/ 1,953.49 | S/ 3,919.07 | S/ 5,896.83 | S/ 7,886.83 | S/ 323,368.83 |
| 2.00% | S/ 1,565.67 | S/ 3,139.11 | S/ 4,720.36 | S/ 6,309.46 | S/ 321,791.46 |
| 1.35% | S/ 1,059.37 | S/ 2,122.30 | S/ 3,188.81 | S/ 4,258.89 | S/ 319,740.89 |
| 1.00% | S/ 785.74 | S/ 1,573.44 | S/ 2,363.10 | S/ 3,154.73 | S/ 318,636.73 |
| 0.10% | S/ 78.84 | S/ 157.70 | S/ 236.58 | S/ 315.47 | S/ 315,797.47 |
Sobre los datos
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Para S/ 315,482 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/ 315,482 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.