Cálculo de intereses
Ahorrando S/ 326,095
Veamos que pasaría si Usted ahorrara 326,095 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/ 326,095.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,725.32 | S/ 7,493.20 | S/ 11,304.12 | S/ 15,158.58 | S/ 341,253.58 |
| 8.50% | S/ 6,718.80 | S/ 13,576.03 | S/ 20,574.55 | S/ 27,717.27 | S/ 353,812.27 |
| 8.00% | S/ 6,334.72 | S/ 12,792.50 | S/ 19,375.73 | S/ 26,086.84 | S/ 352,181.84 |
| 7.10% | S/ 5,640.00 | S/ 11,377.55 | S/ 17,214.34 | S/ 23,152.07 | S/ 349,247.07 |
| 7.00% | S/ 5,562.54 | S/ 11,219.97 | S/ 16,973.90 | S/ 22,825.99 | S/ 348,920.99 |
| 6.50% | S/ 5,174.42 | S/ 10,430.95 | S/ 15,770.89 | S/ 21,195.56 | S/ 347,290.56 |
| 6.10% | S/ 4,862.94 | S/ 9,798.40 | S/ 14,807.46 | S/ 19,891.22 | S/ 345,986.22 |
| 6.20% | S/ 4,940.89 | S/ 9,956.65 | S/ 15,048.40 | S/ 20,217.31 | S/ 346,312.31 |
| 5.90% | S/ 4,706.87 | S/ 9,481.68 | S/ 14,325.41 | S/ 19,239.05 | S/ 345,334.05 |
| 5.75% | S/ 4,589.67 | S/ 9,243.94 | S/ 13,963.72 | S/ 18,749.92 | S/ 344,844.92 |
| 5.70% | S/ 4,550.58 | S/ 9,164.66 | S/ 13,843.13 | S/ 18,586.88 | S/ 344,681.88 |
| 5.65% | S/ 4,511.47 | S/ 9,085.35 | S/ 13,722.52 | S/ 18,423.84 | S/ 344,518.84 |
| 5.60% | S/ 4,472.35 | S/ 9,006.03 | S/ 13,601.90 | S/ 18,260.79 | S/ 344,355.79 |
| 5.50% | S/ 4,394.06 | S/ 8,847.34 | S/ 13,360.61 | S/ 17,934.71 | S/ 344,029.71 |
| 5.30% | S/ 4,237.33 | S/ 8,529.71 | S/ 12,877.88 | S/ 17,282.54 | S/ 343,377.54 |
| 5.25% | S/ 4,198.11 | S/ 8,450.26 | S/ 12,757.15 | S/ 17,119.50 | S/ 343,214.50 |
| 5.05% | S/ 4,041.09 | S/ 8,132.26 | S/ 12,274.13 | S/ 16,467.32 | S/ 342,562.32 |
| 5.00% | S/ 4,001.80 | S/ 8,052.71 | S/ 12,153.34 | S/ 16,304.28 | S/ 342,399.28 |
| 4.95% | S/ 3,962.50 | S/ 7,973.15 | S/ 12,032.53 | S/ 16,141.24 | S/ 342,236.24 |
| 4.75% | S/ 3,805.15 | S/ 7,654.69 | S/ 11,549.16 | S/ 15,489.07 | S/ 341,584.07 |
| 4.55% | S/ 3,647.57 | S/ 7,335.93 | S/ 11,065.56 | S/ 14,836.90 | S/ 340,931.90 |
| 4.50% | S/ 3,608.14 | S/ 7,256.20 | S/ 10,944.62 | S/ 14,673.86 | S/ 340,768.86 |
| 4.40% | S/ 3,529.23 | S/ 7,096.66 | S/ 10,702.70 | S/ 14,347.77 | S/ 340,442.77 |
| 4.30% | S/ 3,450.27 | S/ 6,937.06 | S/ 10,460.73 | S/ 14,021.68 | S/ 340,116.68 |
| 4.25% | S/ 3,410.77 | S/ 6,857.22 | S/ 10,339.72 | S/ 13,858.64 | S/ 339,953.64 |
| 4.20% | S/ 3,371.26 | S/ 6,777.37 | S/ 10,218.70 | S/ 13,695.60 | S/ 339,790.60 |
| 4.15% | S/ 3,331.73 | S/ 6,697.50 | S/ 10,097.66 | S/ 13,532.56 | S/ 339,627.56 |
| 4.00% | S/ 3,213.06 | S/ 6,457.77 | S/ 9,734.46 | S/ 13,043.43 | S/ 339,138.43 |
| 3.90% | S/ 3,133.87 | S/ 6,297.86 | S/ 9,492.25 | S/ 12,717.34 | S/ 338,812.34 |
| 3.75% | S/ 3,014.98 | S/ 6,057.84 | S/ 9,128.83 | S/ 12,228.21 | S/ 338,323.21 |
| 3.50% | S/ 2,816.55 | S/ 5,657.42 | S/ 8,522.84 | S/ 11,413.00 | S/ 337,508.00 |
| 3.00% | S/ 2,418.60 | S/ 4,855.14 | S/ 7,309.75 | S/ 9,782.57 | S/ 335,877.57 |
| 2.75% | S/ 2,219.09 | S/ 4,453.27 | S/ 6,702.66 | S/ 8,967.36 | S/ 335,062.36 |
| 2.50% | S/ 2,019.20 | S/ 4,050.91 | S/ 6,095.20 | S/ 8,152.14 | S/ 334,247.14 |
| 2.00% | S/ 1,618.34 | S/ 3,244.71 | S/ 4,879.16 | S/ 6,521.72 | S/ 332,616.72 |
| 1.35% | S/ 1,095.01 | S/ 2,193.70 | S/ 3,296.08 | S/ 4,402.16 | S/ 330,497.16 |
| 1.00% | S/ 812.18 | S/ 1,626.37 | S/ 2,442.60 | S/ 3,260.86 | S/ 329,355.86 |
| 0.10% | S/ 81.49 | S/ 163.00 | S/ 244.53 | S/ 326.09 | S/ 326,421.09 |
Sobre los datos
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Para S/ 326,095 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/ 326,095 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.