Cálculo de intereses
Ahorrando S/ 320,215
Veamos que pasaría si Usted ahorrara 320,215 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/ 320,215.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,658.15 | S/ 7,358.08 | S/ 11,100.29 | S/ 14,885.24 | S/ 335,100.24 |
| 8.50% | S/ 6,597.65 | S/ 13,331.24 | S/ 20,203.56 | S/ 27,217.48 | S/ 347,432.48 |
| 8.00% | S/ 6,220.50 | S/ 12,561.83 | S/ 19,026.35 | S/ 25,616.45 | S/ 345,831.45 |
| 7.10% | S/ 5,538.31 | S/ 11,172.40 | S/ 16,903.94 | S/ 22,734.61 | S/ 342,949.61 |
| 7.00% | S/ 5,462.24 | S/ 11,017.66 | S/ 16,667.84 | S/ 22,414.40 | S/ 342,629.40 |
| 6.50% | S/ 5,081.12 | S/ 10,242.87 | S/ 15,486.52 | S/ 20,813.37 | S/ 341,028.37 |
| 6.10% | S/ 4,775.25 | S/ 9,621.72 | S/ 14,540.46 | S/ 19,532.55 | S/ 339,747.55 |
| 6.20% | S/ 4,851.80 | S/ 9,777.12 | S/ 14,777.06 | S/ 19,852.76 | S/ 340,067.76 |
| 5.90% | S/ 4,622.00 | S/ 9,310.71 | S/ 14,067.10 | S/ 18,892.14 | S/ 339,107.14 |
| 5.75% | S/ 4,506.91 | S/ 9,077.26 | S/ 13,711.93 | S/ 18,411.83 | S/ 338,626.83 |
| 5.70% | S/ 4,468.52 | S/ 8,999.40 | S/ 13,593.51 | S/ 18,251.73 | S/ 338,466.73 |
| 5.65% | S/ 4,430.12 | S/ 8,921.53 | S/ 13,475.08 | S/ 18,091.63 | S/ 338,306.63 |
| 5.60% | S/ 4,391.70 | S/ 8,843.64 | S/ 13,356.64 | S/ 17,931.52 | S/ 338,146.52 |
| 5.50% | S/ 4,314.83 | S/ 8,687.80 | S/ 13,119.70 | S/ 17,611.32 | S/ 337,826.32 |
| 5.30% | S/ 4,160.92 | S/ 8,375.91 | S/ 12,645.67 | S/ 16,970.91 | S/ 337,185.91 |
| 5.25% | S/ 4,122.41 | S/ 8,297.89 | S/ 12,527.12 | S/ 16,810.80 | S/ 337,025.80 |
| 5.05% | S/ 3,968.22 | S/ 7,985.62 | S/ 12,052.81 | S/ 16,170.39 | S/ 336,385.39 |
| 5.00% | S/ 3,929.64 | S/ 7,907.51 | S/ 11,934.19 | S/ 16,010.29 | S/ 336,225.29 |
| 4.95% | S/ 3,891.05 | S/ 7,829.38 | S/ 11,815.56 | S/ 15,850.19 | S/ 336,065.19 |
| 4.75% | S/ 3,736.53 | S/ 7,516.67 | S/ 11,340.91 | S/ 15,209.78 | S/ 335,424.78 |
| 4.55% | S/ 3,581.80 | S/ 7,203.65 | S/ 10,866.03 | S/ 14,569.37 | S/ 334,784.37 |
| 4.50% | S/ 3,543.08 | S/ 7,125.36 | S/ 10,747.27 | S/ 14,409.26 | S/ 334,624.26 |
| 4.40% | S/ 3,465.60 | S/ 6,968.70 | S/ 10,509.72 | S/ 14,089.06 | S/ 334,304.06 |
| 4.30% | S/ 3,388.06 | S/ 6,811.97 | S/ 10,272.11 | S/ 13,768.85 | S/ 333,983.85 |
| 4.25% | S/ 3,349.27 | S/ 6,733.58 | S/ 10,153.28 | S/ 13,608.75 | S/ 333,823.75 |
| 4.20% | S/ 3,310.47 | S/ 6,655.16 | S/ 10,034.44 | S/ 13,448.65 | S/ 333,663.65 |
| 4.15% | S/ 3,271.65 | S/ 6,576.73 | S/ 9,915.58 | S/ 13,288.54 | S/ 333,503.54 |
| 4.00% | S/ 3,155.12 | S/ 6,341.33 | S/ 9,558.93 | S/ 12,808.23 | S/ 333,023.23 |
| 3.90% | S/ 3,077.36 | S/ 6,184.30 | S/ 9,321.09 | S/ 12,488.03 | S/ 332,703.03 |
| 3.75% | S/ 2,960.62 | S/ 5,948.61 | S/ 8,964.22 | S/ 12,007.72 | S/ 332,222.72 |
| 3.50% | S/ 2,765.76 | S/ 5,555.41 | S/ 8,369.16 | S/ 11,207.21 | S/ 331,422.21 |
| 3.00% | S/ 2,374.99 | S/ 4,767.60 | S/ 7,177.95 | S/ 9,606.18 | S/ 329,821.18 |
| 2.75% | S/ 2,179.07 | S/ 4,372.97 | S/ 6,581.80 | S/ 8,805.66 | S/ 329,020.66 |
| 2.50% | S/ 1,982.79 | S/ 3,977.87 | S/ 5,985.29 | S/ 8,005.15 | S/ 328,220.15 |
| 2.00% | S/ 1,589.16 | S/ 3,186.21 | S/ 4,791.18 | S/ 6,404.12 | S/ 326,619.12 |
| 1.35% | S/ 1,075.27 | S/ 2,154.14 | S/ 3,236.65 | S/ 4,322.78 | S/ 324,537.78 |
| 1.00% | S/ 797.53 | S/ 1,597.05 | S/ 2,398.56 | S/ 3,202.06 | S/ 323,417.06 |
| 0.10% | S/ 80.02 | S/ 160.06 | S/ 240.12 | S/ 320.21 | S/ 320,535.21 |
Sobre los datos
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Para S/ 320,215 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/ 320,215 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.