Cálculo de intereses
Ahorrando S/ 316,970
Veamos que pasaría si Usted ahorrara 316,970 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/ 316,970.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,621.08 | S/ 7,283.52 | S/ 10,987.80 | S/ 14,734.40 | S/ 331,704.40 |
| 8.50% | S/ 6,530.79 | S/ 13,196.14 | S/ 19,998.82 | S/ 26,941.66 | S/ 343,911.66 |
| 8.00% | S/ 6,157.46 | S/ 12,434.53 | S/ 18,833.54 | S/ 25,356.86 | S/ 342,326.86 |
| 7.10% | S/ 5,482.18 | S/ 11,059.18 | S/ 16,732.64 | S/ 22,504.22 | S/ 339,474.22 |
| 7.00% | S/ 5,406.89 | S/ 10,906.01 | S/ 16,498.93 | S/ 22,187.26 | S/ 339,157.26 |
| 6.50% | S/ 5,029.63 | S/ 10,139.07 | S/ 15,329.58 | S/ 20,602.45 | S/ 337,572.45 |
| 6.10% | S/ 4,726.86 | S/ 9,524.22 | S/ 14,393.11 | S/ 19,334.61 | S/ 336,304.61 |
| 6.20% | S/ 4,802.63 | S/ 9,678.04 | S/ 14,627.31 | S/ 19,651.57 | S/ 336,621.57 |
| 5.90% | S/ 4,575.16 | S/ 9,216.36 | S/ 13,924.54 | S/ 18,700.69 | S/ 335,670.69 |
| 5.75% | S/ 4,461.24 | S/ 8,985.27 | S/ 13,572.98 | S/ 18,225.25 | S/ 335,195.25 |
| 5.70% | S/ 4,423.24 | S/ 8,908.21 | S/ 13,455.76 | S/ 18,066.77 | S/ 335,036.77 |
| 5.65% | S/ 4,385.23 | S/ 8,831.12 | S/ 13,338.53 | S/ 17,908.29 | S/ 334,878.29 |
| 5.60% | S/ 4,347.20 | S/ 8,754.02 | S/ 13,221.28 | S/ 17,749.81 | S/ 334,719.81 |
| 5.50% | S/ 4,271.11 | S/ 8,599.76 | S/ 12,986.75 | S/ 17,432.85 | S/ 334,402.85 |
| 5.30% | S/ 4,118.75 | S/ 8,291.03 | S/ 12,517.52 | S/ 16,798.93 | S/ 333,768.93 |
| 5.25% | S/ 4,080.63 | S/ 8,213.80 | S/ 12,400.18 | S/ 16,640.45 | S/ 333,610.45 |
| 5.05% | S/ 3,928.01 | S/ 7,904.70 | S/ 11,930.67 | S/ 16,006.53 | S/ 332,976.53 |
| 5.00% | S/ 3,889.82 | S/ 7,827.38 | S/ 11,813.25 | S/ 15,848.05 | S/ 332,818.05 |
| 4.95% | S/ 3,851.62 | S/ 7,750.04 | S/ 11,695.83 | S/ 15,689.56 | S/ 332,659.56 |
| 4.75% | S/ 3,698.67 | S/ 7,440.49 | S/ 11,225.98 | S/ 15,055.64 | S/ 332,025.64 |
| 4.55% | S/ 3,545.50 | S/ 7,130.65 | S/ 10,755.91 | S/ 14,421.72 | S/ 331,391.72 |
| 4.50% | S/ 3,507.17 | S/ 7,053.15 | S/ 10,638.36 | S/ 14,263.24 | S/ 331,233.24 |
| 4.40% | S/ 3,430.48 | S/ 6,898.08 | S/ 10,403.21 | S/ 13,946.28 | S/ 330,916.28 |
| 4.30% | S/ 3,353.73 | S/ 6,742.94 | S/ 10,168.01 | S/ 13,629.32 | S/ 330,599.32 |
| 4.25% | S/ 3,315.33 | S/ 6,665.34 | S/ 10,050.39 | S/ 13,470.84 | S/ 330,440.84 |
| 4.20% | S/ 3,276.92 | S/ 6,587.72 | S/ 9,932.75 | S/ 13,312.36 | S/ 330,282.36 |
| 4.15% | S/ 3,238.50 | S/ 6,510.09 | S/ 9,815.10 | S/ 13,153.88 | S/ 330,123.88 |
| 4.00% | S/ 3,123.15 | S/ 6,277.07 | S/ 9,462.06 | S/ 12,678.44 | S/ 329,648.44 |
| 3.90% | S/ 3,046.18 | S/ 6,121.63 | S/ 9,226.63 | S/ 12,361.48 | S/ 329,331.48 |
| 3.75% | S/ 2,930.61 | S/ 5,888.32 | S/ 8,873.38 | S/ 11,886.04 | S/ 328,856.04 |
| 3.50% | S/ 2,737.73 | S/ 5,499.11 | S/ 8,284.35 | S/ 11,093.63 | S/ 328,063.63 |
| 3.00% | S/ 2,350.92 | S/ 4,719.28 | S/ 7,105.21 | S/ 9,508.83 | S/ 326,478.83 |
| 2.75% | S/ 2,156.99 | S/ 4,328.66 | S/ 6,515.10 | S/ 8,716.43 | S/ 325,686.43 |
| 2.50% | S/ 1,962.70 | S/ 3,937.56 | S/ 5,924.64 | S/ 7,924.03 | S/ 324,894.03 |
| 2.00% | S/ 1,573.06 | S/ 3,153.92 | S/ 4,742.63 | S/ 6,339.22 | S/ 323,309.22 |
| 1.35% | S/ 1,064.37 | S/ 2,132.31 | S/ 3,203.85 | S/ 4,278.97 | S/ 321,248.97 |
| 1.00% | S/ 789.45 | S/ 1,580.86 | S/ 2,374.25 | S/ 3,169.61 | S/ 320,139.61 |
| 0.10% | S/ 79.21 | S/ 158.44 | S/ 237.69 | S/ 316.96 | S/ 317,286.96 |
Sobre los datos
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Para S/ 316,970 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/ 316,970 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.