Cálculo de intereses
Ahorrando S/ 316,678
Veamos que pasaría si Usted ahorrara 316,678 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/ 316,678.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,617.74 | S/ 7,276.81 | S/ 10,977.68 | S/ 14,720.83 | S/ 331,398.83 |
| 8.50% | S/ 6,524.77 | S/ 13,183.98 | S/ 19,980.40 | S/ 26,916.85 | S/ 343,594.85 |
| 8.00% | S/ 6,151.79 | S/ 12,423.08 | S/ 18,816.19 | S/ 25,333.50 | S/ 342,011.50 |
| 7.10% | S/ 5,477.13 | S/ 11,048.99 | S/ 16,717.22 | S/ 22,483.49 | S/ 339,161.49 |
| 7.00% | S/ 5,401.91 | S/ 10,895.96 | S/ 16,483.73 | S/ 22,166.82 | S/ 338,844.82 |
| 6.50% | S/ 5,024.99 | S/ 10,129.73 | S/ 15,315.46 | S/ 20,583.48 | S/ 337,261.48 |
| 6.10% | S/ 4,722.51 | S/ 9,515.44 | S/ 14,379.85 | S/ 19,316.80 | S/ 335,994.80 |
| 6.20% | S/ 4,798.21 | S/ 9,669.12 | S/ 14,613.83 | S/ 19,633.47 | S/ 336,311.47 |
| 5.90% | S/ 4,570.94 | S/ 9,207.87 | S/ 13,911.72 | S/ 18,683.46 | S/ 335,361.46 |
| 5.75% | S/ 4,457.13 | S/ 8,976.99 | S/ 13,560.47 | S/ 18,208.46 | S/ 334,886.46 |
| 5.70% | S/ 4,419.17 | S/ 8,900.00 | S/ 13,443.36 | S/ 18,050.13 | S/ 334,728.13 |
| 5.65% | S/ 4,381.19 | S/ 8,822.99 | S/ 13,326.24 | S/ 17,891.79 | S/ 334,569.79 |
| 5.60% | S/ 4,343.20 | S/ 8,745.96 | S/ 13,209.10 | S/ 17,733.46 | S/ 334,411.46 |
| 5.50% | S/ 4,267.17 | S/ 8,591.84 | S/ 12,974.79 | S/ 17,416.79 | S/ 334,094.79 |
| 5.30% | S/ 4,114.96 | S/ 8,283.39 | S/ 12,505.99 | S/ 16,783.45 | S/ 333,461.45 |
| 5.25% | S/ 4,076.87 | S/ 8,206.23 | S/ 12,388.75 | S/ 16,625.12 | S/ 333,303.12 |
| 5.05% | S/ 3,924.39 | S/ 7,897.42 | S/ 11,919.68 | S/ 15,991.78 | S/ 332,669.78 |
| 5.00% | S/ 3,886.24 | S/ 7,820.17 | S/ 11,802.37 | S/ 15,833.45 | S/ 332,511.45 |
| 4.95% | S/ 3,848.07 | S/ 7,742.90 | S/ 11,685.05 | S/ 15,675.11 | S/ 332,353.11 |
| 4.75% | S/ 3,695.26 | S/ 7,433.64 | S/ 11,215.64 | S/ 15,041.77 | S/ 331,719.77 |
| 4.55% | S/ 3,542.23 | S/ 7,124.09 | S/ 10,746.00 | S/ 14,408.44 | S/ 331,086.44 |
| 4.50% | S/ 3,503.94 | S/ 7,046.65 | S/ 10,628.56 | S/ 14,250.10 | S/ 330,928.10 |
| 4.40% | S/ 3,427.32 | S/ 6,891.73 | S/ 10,393.63 | S/ 13,933.43 | S/ 330,611.43 |
| 4.30% | S/ 3,350.64 | S/ 6,736.73 | S/ 10,158.64 | S/ 13,616.76 | S/ 330,294.76 |
| 4.25% | S/ 3,312.28 | S/ 6,659.20 | S/ 10,041.13 | S/ 13,458.43 | S/ 330,136.43 |
| 4.20% | S/ 3,273.90 | S/ 6,581.65 | S/ 9,923.60 | S/ 13,300.10 | S/ 329,978.10 |
| 4.15% | S/ 3,235.52 | S/ 6,504.09 | S/ 9,806.06 | S/ 13,141.76 | S/ 329,819.76 |
| 4.00% | S/ 3,120.27 | S/ 6,271.28 | S/ 9,453.34 | S/ 12,666.76 | S/ 329,344.76 |
| 3.90% | S/ 3,043.37 | S/ 6,115.99 | S/ 9,218.13 | S/ 12,350.09 | S/ 329,028.09 |
| 3.75% | S/ 2,927.91 | S/ 5,882.90 | S/ 8,865.21 | S/ 11,875.09 | S/ 328,553.09 |
| 3.50% | S/ 2,735.21 | S/ 5,494.05 | S/ 8,276.71 | S/ 11,083.41 | S/ 327,761.41 |
| 3.00% | S/ 2,348.76 | S/ 4,714.94 | S/ 7,098.66 | S/ 9,500.07 | S/ 326,178.07 |
| 2.75% | S/ 2,155.00 | S/ 4,324.67 | S/ 6,509.10 | S/ 8,708.40 | S/ 325,386.40 |
| 2.50% | S/ 1,960.89 | S/ 3,933.93 | S/ 5,919.18 | S/ 7,916.73 | S/ 324,594.73 |
| 2.00% | S/ 1,571.61 | S/ 3,151.01 | S/ 4,738.26 | S/ 6,333.38 | S/ 323,011.38 |
| 1.35% | S/ 1,063.39 | S/ 2,130.35 | S/ 3,200.89 | S/ 4,275.03 | S/ 320,953.03 |
| 1.00% | S/ 788.72 | S/ 1,579.41 | S/ 2,372.06 | S/ 3,166.69 | S/ 319,844.69 |
| 0.10% | S/ 79.14 | S/ 158.30 | S/ 237.47 | S/ 316.67 | S/ 316,994.67 |
Sobre los datos
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Para S/ 316,678 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/ 316,678 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.