Cálculo de intereses
Ahorrando S/ 323,400
Veamos que pasaría si Usted ahorrara 323,400 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/ 323,400.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,694.53 | S/ 7,431.27 | S/ 11,210.70 | S/ 15,033.30 | S/ 338,433.30 |
| 8.50% | S/ 6,663.27 | S/ 13,463.84 | S/ 20,404.51 | S/ 27,488.20 | S/ 350,888.20 |
| 8.00% | S/ 6,282.37 | S/ 12,686.78 | S/ 19,215.60 | S/ 25,871.25 | S/ 349,271.25 |
| 7.10% | S/ 5,593.39 | S/ 11,283.52 | S/ 17,072.07 | S/ 22,960.73 | S/ 346,360.73 |
| 7.00% | S/ 5,516.57 | S/ 11,127.24 | S/ 16,833.62 | S/ 22,637.34 | S/ 346,037.34 |
| 6.50% | S/ 5,131.66 | S/ 10,344.75 | S/ 15,640.55 | S/ 21,020.39 | S/ 344,420.39 |
| 6.10% | S/ 4,822.75 | S/ 9,717.42 | S/ 14,685.09 | S/ 19,726.83 | S/ 343,126.83 |
| 6.20% | S/ 4,900.06 | S/ 9,874.36 | S/ 14,924.04 | S/ 20,050.22 | S/ 343,450.22 |
| 5.90% | S/ 4,667.97 | S/ 9,403.32 | S/ 14,207.02 | S/ 19,080.05 | S/ 342,480.05 |
| 5.75% | S/ 4,551.74 | S/ 9,167.54 | S/ 13,848.31 | S/ 18,594.96 | S/ 341,994.96 |
| 5.70% | S/ 4,512.97 | S/ 9,088.92 | S/ 13,728.72 | S/ 18,433.27 | S/ 341,833.27 |
| 5.65% | S/ 4,474.18 | S/ 9,010.27 | S/ 13,609.11 | S/ 18,271.57 | S/ 341,671.57 |
| 5.60% | S/ 4,435.39 | S/ 8,931.60 | S/ 13,489.49 | S/ 18,109.88 | S/ 341,509.88 |
| 5.50% | S/ 4,357.75 | S/ 8,774.22 | S/ 13,250.20 | S/ 17,786.49 | S/ 341,186.49 |
| 5.30% | S/ 4,202.31 | S/ 8,459.22 | S/ 12,771.45 | S/ 17,139.71 | S/ 340,539.71 |
| 5.25% | S/ 4,163.41 | S/ 8,380.42 | S/ 12,651.72 | S/ 16,978.01 | S/ 340,378.01 |
| 5.05% | S/ 4,007.69 | S/ 8,065.05 | S/ 12,172.69 | S/ 16,331.23 | S/ 339,731.23 |
| 5.00% | S/ 3,968.73 | S/ 7,986.16 | S/ 12,052.90 | S/ 16,169.54 | S/ 339,569.54 |
| 4.95% | S/ 3,929.75 | S/ 7,907.25 | S/ 11,933.09 | S/ 16,007.84 | S/ 339,407.84 |
| 4.75% | S/ 3,773.70 | S/ 7,591.43 | S/ 11,453.71 | S/ 15,361.06 | S/ 338,761.06 |
| 4.55% | S/ 3,617.42 | S/ 7,275.31 | S/ 10,974.11 | S/ 14,714.28 | S/ 338,114.28 |
| 4.50% | S/ 3,578.32 | S/ 7,196.23 | S/ 10,854.17 | S/ 14,552.58 | S/ 337,952.58 |
| 4.40% | S/ 3,500.07 | S/ 7,038.01 | S/ 10,614.25 | S/ 14,229.19 | S/ 337,629.19 |
| 4.30% | S/ 3,421.76 | S/ 6,879.72 | S/ 10,374.28 | S/ 13,905.80 | S/ 337,305.80 |
| 4.25% | S/ 3,382.59 | S/ 6,800.55 | S/ 10,254.27 | S/ 13,744.11 | S/ 337,144.11 |
| 4.20% | S/ 3,343.40 | S/ 6,721.36 | S/ 10,134.24 | S/ 13,582.41 | S/ 336,982.41 |
| 4.15% | S/ 3,304.19 | S/ 6,642.15 | S/ 10,014.21 | S/ 13,420.72 | S/ 336,820.72 |
| 4.00% | S/ 3,186.50 | S/ 6,404.40 | S/ 9,654.01 | S/ 12,935.63 | S/ 336,335.63 |
| 3.90% | S/ 3,107.97 | S/ 6,245.81 | S/ 9,413.80 | S/ 12,612.24 | S/ 336,012.24 |
| 3.75% | S/ 2,990.06 | S/ 6,007.77 | S/ 9,053.38 | S/ 12,127.15 | S/ 335,527.15 |
| 3.50% | S/ 2,793.27 | S/ 5,610.67 | S/ 8,452.40 | S/ 11,318.68 | S/ 334,718.68 |
| 3.00% | S/ 2,398.61 | S/ 4,815.02 | S/ 7,249.34 | S/ 9,701.72 | S/ 333,101.72 |
| 2.75% | S/ 2,200.75 | S/ 4,416.47 | S/ 6,647.27 | S/ 8,893.25 | S/ 332,293.25 |
| 2.50% | S/ 2,002.52 | S/ 4,017.43 | S/ 6,044.82 | S/ 8,084.77 | S/ 331,484.77 |
| 2.00% | S/ 1,604.97 | S/ 3,217.90 | S/ 4,838.84 | S/ 6,467.82 | S/ 329,867.82 |
| 1.35% | S/ 1,085.96 | S/ 2,175.57 | S/ 3,268.84 | S/ 4,365.78 | S/ 327,765.78 |
| 1.00% | S/ 805.46 | S/ 1,612.93 | S/ 2,422.41 | S/ 3,233.91 | S/ 326,633.91 |
| 0.10% | S/ 80.82 | S/ 161.66 | S/ 242.51 | S/ 323.39 | S/ 323,723.39 |
Sobre los datos
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Para S/ 323,400 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/ 323,400 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.