Cálculo de intereses
Ahorrando S/ 318,412
Veamos que pasaría si Usted ahorrara 318,412 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/ 318,412.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,637.55 | S/ 7,316.65 | S/ 11,037.79 | S/ 14,801.43 | S/ 333,213.43 |
| 8.50% | S/ 6,560.50 | S/ 13,256.17 | S/ 20,089.80 | S/ 27,064.23 | S/ 345,476.23 |
| 8.00% | S/ 6,185.47 | S/ 12,491.10 | S/ 18,919.22 | S/ 25,472.22 | S/ 343,884.22 |
| 7.10% | S/ 5,507.12 | S/ 11,109.49 | S/ 16,808.76 | S/ 22,606.60 | S/ 341,018.60 |
| 7.00% | S/ 5,431.49 | S/ 10,955.62 | S/ 16,573.99 | S/ 22,288.19 | S/ 340,700.19 |
| 6.50% | S/ 5,052.51 | S/ 10,185.19 | S/ 15,399.32 | S/ 20,696.18 | S/ 339,108.18 |
| 6.10% | S/ 4,748.37 | S/ 9,567.54 | S/ 14,458.59 | S/ 19,422.57 | S/ 337,834.57 |
| 6.20% | S/ 4,824.48 | S/ 9,722.07 | S/ 14,693.85 | S/ 19,740.97 | S/ 338,152.97 |
| 5.90% | S/ 4,595.97 | S/ 9,258.28 | S/ 13,987.89 | S/ 18,785.77 | S/ 337,197.77 |
| 5.75% | S/ 4,481.54 | S/ 9,026.15 | S/ 13,634.72 | S/ 18,308.16 | S/ 336,720.16 |
| 5.70% | S/ 4,443.36 | S/ 8,948.73 | S/ 13,516.97 | S/ 18,148.96 | S/ 336,560.96 |
| 5.65% | S/ 4,405.18 | S/ 8,871.30 | S/ 13,399.21 | S/ 17,989.76 | S/ 336,401.76 |
| 5.60% | S/ 4,366.98 | S/ 8,793.85 | S/ 13,281.43 | S/ 17,830.56 | S/ 336,242.56 |
| 5.50% | S/ 4,290.54 | S/ 8,638.89 | S/ 13,045.83 | S/ 17,512.16 | S/ 335,924.16 |
| 5.30% | S/ 4,137.49 | S/ 8,328.75 | S/ 12,574.46 | S/ 16,875.35 | S/ 335,287.35 |
| 5.25% | S/ 4,099.20 | S/ 8,251.17 | S/ 12,456.59 | S/ 16,716.15 | S/ 335,128.15 |
| 5.05% | S/ 3,945.88 | S/ 7,940.66 | S/ 11,984.94 | S/ 16,079.34 | S/ 334,491.34 |
| 5.00% | S/ 3,907.52 | S/ 7,862.99 | S/ 11,867.00 | S/ 15,920.14 | S/ 334,332.14 |
| 4.95% | S/ 3,869.14 | S/ 7,785.29 | S/ 11,749.04 | S/ 15,760.94 | S/ 334,172.94 |
| 4.75% | S/ 3,715.49 | S/ 7,474.34 | S/ 11,277.05 | S/ 15,124.14 | S/ 333,536.14 |
| 4.55% | S/ 3,561.63 | S/ 7,163.09 | S/ 10,804.85 | S/ 14,487.33 | S/ 332,899.33 |
| 4.50% | S/ 3,523.13 | S/ 7,085.24 | S/ 10,686.76 | S/ 14,328.13 | S/ 332,740.13 |
| 4.40% | S/ 3,446.08 | S/ 6,929.46 | S/ 10,450.54 | S/ 14,009.73 | S/ 332,421.73 |
| 4.30% | S/ 3,368.98 | S/ 6,773.61 | S/ 10,214.27 | S/ 13,691.32 | S/ 332,103.32 |
| 4.25% | S/ 3,330.41 | S/ 6,695.66 | S/ 10,096.11 | S/ 13,532.12 | S/ 331,944.12 |
| 4.20% | S/ 3,291.83 | S/ 6,617.69 | S/ 9,977.94 | S/ 13,372.92 | S/ 331,784.92 |
| 4.15% | S/ 3,253.23 | S/ 6,539.70 | S/ 9,859.75 | S/ 13,213.72 | S/ 331,625.72 |
| 4.00% | S/ 3,137.35 | S/ 6,305.62 | S/ 9,505.11 | S/ 12,736.12 | S/ 331,148.12 |
| 3.90% | S/ 3,060.03 | S/ 6,149.47 | S/ 9,268.61 | S/ 12,417.71 | S/ 330,829.71 |
| 3.75% | S/ 2,943.95 | S/ 5,915.11 | S/ 8,913.75 | S/ 11,940.11 | S/ 330,352.11 |
| 3.50% | S/ 2,750.19 | S/ 5,524.13 | S/ 8,322.03 | S/ 11,144.10 | S/ 329,556.10 |
| 3.00% | S/ 2,361.62 | S/ 4,740.75 | S/ 7,137.53 | S/ 9,552.09 | S/ 327,964.09 |
| 2.75% | S/ 2,166.80 | S/ 4,348.35 | S/ 6,544.74 | S/ 8,756.08 | S/ 327,168.08 |
| 2.50% | S/ 1,971.63 | S/ 3,955.47 | S/ 5,951.59 | S/ 7,960.07 | S/ 326,372.07 |
| 2.00% | S/ 1,580.21 | S/ 3,168.27 | S/ 4,764.20 | S/ 6,368.06 | S/ 324,780.06 |
| 1.35% | S/ 1,069.21 | S/ 2,142.02 | S/ 3,218.42 | S/ 4,298.44 | S/ 322,710.44 |
| 1.00% | S/ 793.04 | S/ 1,588.06 | S/ 2,385.05 | S/ 3,184.03 | S/ 321,596.03 |
| 0.10% | S/ 79.57 | S/ 159.16 | S/ 238.77 | S/ 318.40 | S/ 318,730.40 |
Sobre los datos
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Para S/ 318,412 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/ 318,412 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.