Cálculo de intereses
Ahorrando S/ 316,406
Veamos que pasaría si Usted ahorrara 316,406 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/ 316,406.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,614.63 | S/ 7,270.56 | S/ 10,968.25 | S/ 14,708.18 | S/ 331,114.18 |
| 8.50% | S/ 6,519.17 | S/ 13,172.66 | S/ 19,963.24 | S/ 26,893.73 | S/ 343,299.73 |
| 8.00% | S/ 6,146.50 | S/ 12,412.41 | S/ 18,800.03 | S/ 25,311.74 | S/ 341,717.74 |
| 7.10% | S/ 5,472.43 | S/ 11,039.50 | S/ 16,702.86 | S/ 22,464.18 | S/ 338,870.18 |
| 7.00% | S/ 5,397.27 | S/ 10,886.60 | S/ 16,469.57 | S/ 22,147.78 | S/ 338,553.78 |
| 6.50% | S/ 5,020.68 | S/ 10,121.02 | S/ 15,302.30 | S/ 20,565.80 | S/ 336,971.80 |
| 6.10% | S/ 4,718.45 | S/ 9,507.27 | S/ 14,367.50 | S/ 19,300.21 | S/ 335,706.21 |
| 6.20% | S/ 4,794.09 | S/ 9,660.82 | S/ 14,601.28 | S/ 19,616.61 | S/ 336,022.61 |
| 5.90% | S/ 4,567.02 | S/ 9,199.96 | S/ 13,899.77 | S/ 18,667.42 | S/ 335,073.42 |
| 5.75% | S/ 4,453.30 | S/ 8,969.28 | S/ 13,548.82 | S/ 18,192.82 | S/ 334,598.82 |
| 5.70% | S/ 4,415.37 | S/ 8,892.35 | S/ 13,431.82 | S/ 18,034.62 | S/ 334,440.62 |
| 5.65% | S/ 4,377.42 | S/ 8,815.41 | S/ 13,314.79 | S/ 17,876.42 | S/ 334,282.42 |
| 5.60% | S/ 4,339.46 | S/ 8,738.44 | S/ 13,197.76 | S/ 17,718.23 | S/ 334,124.23 |
| 5.50% | S/ 4,263.51 | S/ 8,584.46 | S/ 12,963.64 | S/ 17,401.83 | S/ 333,807.83 |
| 5.30% | S/ 4,111.43 | S/ 8,276.28 | S/ 12,495.25 | S/ 16,769.04 | S/ 333,175.04 |
| 5.25% | S/ 4,073.37 | S/ 8,199.18 | S/ 12,378.11 | S/ 16,610.84 | S/ 333,016.84 |
| 5.05% | S/ 3,921.02 | S/ 7,890.63 | S/ 11,909.44 | S/ 15,978.04 | S/ 332,384.04 |
| 5.00% | S/ 3,882.90 | S/ 7,813.45 | S/ 11,792.23 | S/ 15,819.85 | S/ 332,225.85 |
| 4.95% | S/ 3,844.76 | S/ 7,736.25 | S/ 11,675.02 | S/ 15,661.65 | S/ 332,067.65 |
| 4.75% | S/ 3,692.09 | S/ 7,427.25 | S/ 11,206.01 | S/ 15,028.85 | S/ 331,434.85 |
| 4.55% | S/ 3,539.19 | S/ 7,117.97 | S/ 10,736.77 | S/ 14,396.06 | S/ 330,802.06 |
| 4.50% | S/ 3,500.93 | S/ 7,040.60 | S/ 10,619.43 | S/ 14,237.86 | S/ 330,643.86 |
| 4.40% | S/ 3,424.37 | S/ 6,885.81 | S/ 10,384.70 | S/ 13,921.47 | S/ 330,327.47 |
| 4.30% | S/ 3,347.76 | S/ 6,730.94 | S/ 10,149.92 | S/ 13,605.07 | S/ 330,011.07 |
| 4.25% | S/ 3,309.43 | S/ 6,653.48 | S/ 10,032.50 | S/ 13,446.87 | S/ 329,852.87 |
| 4.20% | S/ 3,271.09 | S/ 6,576.00 | S/ 9,915.08 | S/ 13,288.67 | S/ 329,694.67 |
| 4.15% | S/ 3,232.74 | S/ 6,498.50 | S/ 9,797.63 | S/ 13,130.47 | S/ 329,536.47 |
| 4.00% | S/ 3,117.59 | S/ 6,265.90 | S/ 9,445.22 | S/ 12,655.88 | S/ 329,061.88 |
| 3.90% | S/ 3,040.76 | S/ 6,110.73 | S/ 9,210.21 | S/ 12,339.48 | S/ 328,745.48 |
| 3.75% | S/ 2,925.40 | S/ 5,877.85 | S/ 8,857.59 | S/ 11,864.89 | S/ 328,270.89 |
| 3.50% | S/ 2,732.86 | S/ 5,489.33 | S/ 8,269.61 | S/ 11,073.89 | S/ 327,479.89 |
| 3.00% | S/ 2,346.74 | S/ 4,710.89 | S/ 7,092.57 | S/ 9,491.91 | S/ 325,897.91 |
| 2.75% | S/ 2,153.15 | S/ 4,320.95 | S/ 6,503.51 | S/ 8,700.92 | S/ 325,106.92 |
| 2.50% | S/ 1,959.21 | S/ 3,930.55 | S/ 5,914.10 | S/ 7,909.93 | S/ 324,315.93 |
| 2.00% | S/ 1,570.26 | S/ 3,148.31 | S/ 4,734.19 | S/ 6,327.94 | S/ 322,733.94 |
| 1.35% | S/ 1,062.48 | S/ 2,128.52 | S/ 3,198.14 | S/ 4,271.36 | S/ 320,677.36 |
| 1.00% | S/ 788.04 | S/ 1,578.05 | S/ 2,370.02 | S/ 3,163.97 | S/ 319,569.97 |
| 0.10% | S/ 79.07 | S/ 158.16 | S/ 237.27 | S/ 316.40 | S/ 316,722.40 |
Sobre los datos
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Para S/ 316,406 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/ 316,406 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.