Cálculo de intereses
Ahorrando S/ 320,584
Veamos que pasaría si Usted ahorrara 320,584 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2020) 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/ 320,584.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,662.36 | S/ 7,366.56 | S/ 11,113.08 | S/ 14,902.40 | S/ 335,486.40 |
| 8.50% | S/ 6,605.25 | S/ 13,346.60 | S/ 20,226.84 | S/ 27,248.85 | S/ 347,832.85 |
| 8.00% | S/ 6,227.66 | S/ 12,576.31 | S/ 19,048.28 | S/ 25,645.97 | S/ 346,229.97 |
| 7.10% | S/ 5,544.69 | S/ 11,185.27 | S/ 16,923.42 | S/ 22,760.80 | S/ 343,344.80 |
| 7.00% | S/ 5,468.54 | S/ 11,030.35 | S/ 16,687.05 | S/ 22,440.23 | S/ 343,024.23 |
| 6.50% | S/ 5,086.97 | S/ 10,254.67 | S/ 15,504.36 | S/ 20,837.36 | S/ 341,421.36 |
| 6.10% | S/ 4,780.76 | S/ 9,632.81 | S/ 14,557.22 | S/ 19,555.06 | S/ 340,139.06 |
| 6.20% | S/ 4,857.39 | S/ 9,788.38 | S/ 14,794.09 | S/ 19,875.63 | S/ 340,459.63 |
| 5.90% | S/ 4,627.32 | S/ 9,321.44 | S/ 14,083.31 | S/ 18,913.91 | S/ 339,497.91 |
| 5.75% | S/ 4,512.11 | S/ 9,087.72 | S/ 13,727.73 | S/ 18,433.05 | S/ 339,017.05 |
| 5.70% | S/ 4,473.67 | S/ 9,009.77 | S/ 13,609.18 | S/ 18,272.76 | S/ 338,856.76 |
| 5.65% | S/ 4,435.23 | S/ 8,931.81 | S/ 13,490.61 | S/ 18,112.47 | S/ 338,696.47 |
| 5.60% | S/ 4,396.77 | S/ 8,853.83 | S/ 13,372.03 | S/ 17,952.19 | S/ 338,536.19 |
| 5.50% | S/ 4,319.80 | S/ 8,697.82 | S/ 13,134.82 | S/ 17,631.61 | S/ 338,215.61 |
| 5.30% | S/ 4,165.72 | S/ 8,385.56 | S/ 12,660.24 | S/ 16,990.46 | S/ 337,574.46 |
| 5.25% | S/ 4,127.16 | S/ 8,307.45 | S/ 12,541.56 | S/ 16,830.18 | S/ 337,414.18 |
| 5.05% | S/ 3,972.80 | S/ 7,994.82 | S/ 12,066.70 | S/ 16,189.03 | S/ 336,773.03 |
| 5.00% | S/ 3,934.17 | S/ 7,916.62 | S/ 11,947.95 | S/ 16,028.74 | S/ 336,612.74 |
| 4.95% | S/ 3,895.53 | S/ 7,838.40 | S/ 11,829.18 | S/ 15,868.45 | S/ 336,452.45 |
| 4.75% | S/ 3,740.84 | S/ 7,525.33 | S/ 11,353.98 | S/ 15,227.30 | S/ 335,811.30 |
| 4.55% | S/ 3,585.92 | S/ 7,211.96 | S/ 10,878.55 | S/ 14,586.15 | S/ 335,170.15 |
| 4.50% | S/ 3,547.16 | S/ 7,133.57 | S/ 10,759.66 | S/ 14,425.87 | S/ 335,009.87 |
| 4.40% | S/ 3,469.59 | S/ 6,976.73 | S/ 10,521.83 | S/ 14,105.29 | S/ 334,689.29 |
| 4.30% | S/ 3,391.97 | S/ 6,819.82 | S/ 10,283.94 | S/ 13,784.72 | S/ 334,368.72 |
| 4.25% | S/ 3,353.13 | S/ 6,741.34 | S/ 10,164.98 | S/ 13,624.43 | S/ 334,208.43 |
| 4.20% | S/ 3,314.28 | S/ 6,662.83 | S/ 10,046.00 | S/ 13,464.14 | S/ 334,048.14 |
| 4.15% | S/ 3,275.42 | S/ 6,584.31 | S/ 9,927.01 | S/ 13,303.86 | S/ 333,887.86 |
| 4.00% | S/ 3,158.76 | S/ 6,348.63 | S/ 9,569.94 | S/ 12,822.99 | S/ 333,406.99 |
| 3.90% | S/ 3,080.91 | S/ 6,191.42 | S/ 9,331.83 | S/ 12,502.42 | S/ 333,086.42 |
| 3.75% | S/ 2,964.03 | S/ 5,955.46 | S/ 8,974.55 | S/ 12,021.56 | S/ 332,605.56 |
| 3.50% | S/ 2,768.95 | S/ 5,561.81 | S/ 8,378.80 | S/ 11,220.12 | S/ 331,804.12 |
| 3.00% | S/ 2,377.73 | S/ 4,773.09 | S/ 7,186.22 | S/ 9,617.25 | S/ 330,201.25 |
| 2.75% | S/ 2,181.58 | S/ 4,378.01 | S/ 6,589.39 | S/ 8,815.81 | S/ 329,399.81 |
| 2.50% | S/ 1,985.08 | S/ 3,982.45 | S/ 5,992.19 | S/ 8,014.37 | S/ 328,598.37 |
| 2.00% | S/ 1,590.99 | S/ 3,189.88 | S/ 4,796.70 | S/ 6,411.50 | S/ 326,995.50 |
| 1.35% | S/ 1,076.51 | S/ 2,156.63 | S/ 3,240.37 | S/ 4,327.76 | S/ 324,911.76 |
| 1.00% | S/ 798.45 | S/ 1,598.89 | S/ 2,401.32 | S/ 3,205.75 | S/ 323,789.75 |
| 0.10% | S/ 80.11 | S/ 160.25 | S/ 240.40 | S/ 320.58 | S/ 320,904.58 |
Sobre los datos
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Para S/ 320,584 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/ 320,584 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.
