Cálculo de intereses
Ahorrando S/ 315,684
Veamos que pasaría si Usted ahorrara 315,684 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/ 315,684.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,606.38 | S/ 7,253.97 | S/ 10,943.22 | S/ 14,674.62 | S/ 330,358.62 |
| 8.50% | S/ 6,504.29 | S/ 13,142.60 | S/ 19,917.68 | S/ 26,832.36 | S/ 342,516.36 |
| 8.00% | S/ 6,132.48 | S/ 12,384.08 | S/ 18,757.13 | S/ 25,253.99 | S/ 340,937.99 |
| 7.10% | S/ 5,459.94 | S/ 11,014.31 | S/ 16,664.75 | S/ 22,412.91 | S/ 338,096.91 |
| 7.00% | S/ 5,384.95 | S/ 10,861.76 | S/ 16,431.99 | S/ 22,097.24 | S/ 337,781.24 |
| 6.50% | S/ 5,009.22 | S/ 10,097.93 | S/ 15,267.38 | S/ 20,518.87 | S/ 336,202.87 |
| 6.10% | S/ 4,707.69 | S/ 9,485.57 | S/ 14,334.71 | S/ 19,256.17 | S/ 334,940.17 |
| 6.20% | S/ 4,783.15 | S/ 9,638.77 | S/ 14,567.96 | S/ 19,571.84 | S/ 335,255.84 |
| 5.90% | S/ 4,556.60 | S/ 9,178.96 | S/ 13,868.05 | S/ 18,624.82 | S/ 334,308.82 |
| 5.75% | S/ 4,443.14 | S/ 8,948.82 | S/ 13,517.91 | S/ 18,151.31 | S/ 333,835.31 |
| 5.70% | S/ 4,405.29 | S/ 8,872.06 | S/ 13,401.17 | S/ 17,993.47 | S/ 333,677.47 |
| 5.65% | S/ 4,367.44 | S/ 8,795.29 | S/ 13,284.41 | S/ 17,835.63 | S/ 333,519.63 |
| 5.60% | S/ 4,329.56 | S/ 8,718.50 | S/ 13,167.64 | S/ 17,677.80 | S/ 333,361.80 |
| 5.50% | S/ 4,253.78 | S/ 8,564.87 | S/ 12,934.06 | S/ 17,362.12 | S/ 333,046.12 |
| 5.30% | S/ 4,102.04 | S/ 8,257.39 | S/ 12,466.73 | S/ 16,730.77 | S/ 332,414.77 |
| 5.25% | S/ 4,064.08 | S/ 8,180.47 | S/ 12,349.87 | S/ 16,572.93 | S/ 332,256.93 |
| 5.05% | S/ 3,912.07 | S/ 7,872.63 | S/ 11,882.26 | S/ 15,941.58 | S/ 331,625.58 |
| 5.00% | S/ 3,874.04 | S/ 7,795.62 | S/ 11,765.33 | S/ 15,783.75 | S/ 331,467.75 |
| 4.95% | S/ 3,835.99 | S/ 7,718.59 | S/ 11,648.38 | S/ 15,625.91 | S/ 331,309.91 |
| 4.75% | S/ 3,683.66 | S/ 7,410.31 | S/ 11,180.44 | S/ 14,994.56 | S/ 330,678.56 |
| 4.55% | S/ 3,531.11 | S/ 7,101.72 | S/ 10,712.27 | S/ 14,363.21 | S/ 330,047.21 |
| 4.50% | S/ 3,492.94 | S/ 7,024.53 | S/ 10,595.20 | S/ 14,205.37 | S/ 329,889.37 |
| 4.40% | S/ 3,416.56 | S/ 6,870.09 | S/ 10,361.01 | S/ 13,889.70 | S/ 329,573.70 |
| 4.30% | S/ 3,340.12 | S/ 6,715.58 | S/ 10,126.76 | S/ 13,574.02 | S/ 329,258.02 |
| 4.25% | S/ 3,301.88 | S/ 6,638.30 | S/ 10,009.61 | S/ 13,416.19 | S/ 329,100.19 |
| 4.20% | S/ 3,263.63 | S/ 6,560.99 | S/ 9,892.45 | S/ 13,258.35 | S/ 328,942.35 |
| 4.15% | S/ 3,225.36 | S/ 6,483.67 | S/ 9,775.28 | S/ 13,100.51 | S/ 328,784.51 |
| 4.00% | S/ 3,110.48 | S/ 6,251.60 | S/ 9,423.67 | S/ 12,627.00 | S/ 328,311.00 |
| 3.90% | S/ 3,033.82 | S/ 6,096.79 | S/ 9,189.20 | S/ 12,311.32 | S/ 327,995.32 |
| 3.75% | S/ 2,918.72 | S/ 5,864.43 | S/ 8,837.38 | S/ 11,837.81 | S/ 327,521.81 |
| 3.50% | S/ 2,726.63 | S/ 5,476.80 | S/ 8,250.74 | S/ 11,048.63 | S/ 326,732.63 |
| 3.00% | S/ 2,341.39 | S/ 4,700.14 | S/ 7,076.38 | S/ 9,470.25 | S/ 325,154.25 |
| 2.75% | S/ 2,148.24 | S/ 4,311.09 | S/ 6,488.67 | S/ 8,681.06 | S/ 324,365.06 |
| 2.50% | S/ 1,954.74 | S/ 3,921.58 | S/ 5,900.60 | S/ 7,891.88 | S/ 323,575.88 |
| 2.00% | S/ 1,566.67 | S/ 3,141.12 | S/ 4,723.39 | S/ 6,313.50 | S/ 321,997.50 |
| 1.35% | S/ 1,060.05 | S/ 2,123.66 | S/ 3,190.85 | S/ 4,261.61 | S/ 319,945.61 |
| 1.00% | S/ 786.25 | S/ 1,574.45 | S/ 2,364.62 | S/ 3,156.75 | S/ 318,840.75 |
| 0.10% | S/ 78.89 | S/ 157.80 | S/ 236.73 | S/ 315.68 | S/ 315,999.68 |
Sobre los datos
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Para S/ 315,684 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/ 315,684 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.