Cálculo de intereses
Ahorrando S/ 340,034
Veamos que pasaría si Usted ahorrara 340,034 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/ 340,034.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 3,884.56 | S/ 7,813.50 | S/ 11,787.32 | S/ 15,806.53 | S/ 355,840.53 |
| 8.50% | S/ 7,006.00 | S/ 14,156.34 | S/ 21,454.02 | S/ 28,902.05 | S/ 368,936.05 |
| 8.00% | S/ 6,605.50 | S/ 13,339.32 | S/ 20,203.95 | S/ 27,201.93 | S/ 367,235.93 |
| 7.10% | S/ 5,881.09 | S/ 11,863.89 | S/ 17,950.17 | S/ 24,141.71 | S/ 364,175.71 |
| 7.00% | S/ 5,800.31 | S/ 11,699.57 | S/ 17,699.46 | S/ 23,801.69 | S/ 363,835.69 |
| 6.50% | S/ 5,395.60 | S/ 10,876.82 | S/ 16,445.02 | S/ 22,101.57 | S/ 362,135.57 |
| 6.10% | S/ 5,070.81 | S/ 10,217.24 | S/ 15,440.41 | S/ 20,741.48 | S/ 360,775.48 |
| 6.20% | S/ 5,152.09 | S/ 10,382.25 | S/ 15,691.65 | S/ 21,081.50 | S/ 361,115.50 |
| 5.90% | S/ 4,908.07 | S/ 9,886.98 | S/ 14,937.75 | S/ 20,061.43 | S/ 360,095.43 |
| 5.75% | S/ 4,785.86 | S/ 9,639.07 | S/ 14,560.60 | S/ 19,551.39 | S/ 359,585.39 |
| 5.70% | S/ 4,745.09 | S/ 9,556.40 | S/ 14,434.85 | S/ 19,381.38 | S/ 359,415.38 |
| 5.65% | S/ 4,704.31 | S/ 9,473.71 | S/ 14,309.09 | S/ 19,211.37 | S/ 359,245.37 |
| 5.60% | S/ 4,663.52 | S/ 9,391.00 | S/ 14,183.31 | S/ 19,041.36 | S/ 359,075.36 |
| 5.50% | S/ 4,581.89 | S/ 9,225.52 | S/ 13,931.72 | S/ 18,701.33 | S/ 358,735.33 |
| 5.30% | S/ 4,418.45 | S/ 8,894.32 | S/ 13,428.34 | S/ 18,021.28 | S/ 358,055.28 |
| 5.25% | S/ 4,377.56 | S/ 8,811.47 | S/ 13,302.46 | S/ 17,851.27 | S/ 357,885.27 |
| 5.05% | S/ 4,213.83 | S/ 8,479.88 | S/ 12,798.79 | S/ 17,171.22 | S/ 357,205.22 |
| 5.00% | S/ 4,172.86 | S/ 8,396.93 | S/ 12,672.83 | S/ 17,001.21 | S/ 357,035.21 |
| 4.95% | S/ 4,131.88 | S/ 8,313.96 | S/ 12,546.86 | S/ 16,831.20 | S/ 356,865.20 |
| 4.75% | S/ 3,967.80 | S/ 7,981.89 | S/ 12,042.83 | S/ 16,151.15 | S/ 356,185.15 |
| 4.55% | S/ 3,803.48 | S/ 7,649.51 | S/ 11,538.56 | S/ 15,471.10 | S/ 355,505.10 |
| 4.50% | S/ 3,762.37 | S/ 7,566.36 | S/ 11,412.45 | S/ 15,301.09 | S/ 355,335.09 |
| 4.40% | S/ 3,680.09 | S/ 7,400.01 | S/ 11,160.19 | S/ 14,961.07 | S/ 354,995.07 |
| 4.30% | S/ 3,597.76 | S/ 7,233.58 | S/ 10,907.87 | S/ 14,621.04 | S/ 354,655.04 |
| 4.25% | S/ 3,556.57 | S/ 7,150.34 | S/ 10,781.69 | S/ 14,451.03 | S/ 354,485.03 |
| 4.20% | S/ 3,515.36 | S/ 7,067.07 | S/ 10,655.50 | S/ 14,281.02 | S/ 354,315.02 |
| 4.15% | S/ 3,474.15 | S/ 6,983.79 | S/ 10,529.28 | S/ 14,111.01 | S/ 354,145.01 |
| 4.00% | S/ 3,350.40 | S/ 6,733.81 | S/ 10,150.56 | S/ 13,600.97 | S/ 353,634.97 |
| 3.90% | S/ 3,267.83 | S/ 6,567.06 | S/ 9,898.00 | S/ 13,260.95 | S/ 353,294.95 |
| 3.75% | S/ 3,143.86 | S/ 6,316.78 | S/ 9,519.04 | S/ 12,750.91 | S/ 352,784.91 |
| 3.50% | S/ 2,936.94 | S/ 5,899.25 | S/ 8,887.15 | S/ 11,900.85 | S/ 351,934.85 |
| 3.00% | S/ 2,521.99 | S/ 5,062.68 | S/ 7,622.21 | S/ 10,200.73 | S/ 350,234.73 |
| 2.75% | S/ 2,313.94 | S/ 4,643.63 | S/ 6,989.17 | S/ 9,350.67 | S/ 349,384.67 |
| 2.50% | S/ 2,105.52 | S/ 4,224.07 | S/ 6,355.74 | S/ 8,500.61 | S/ 348,534.61 |
| 2.00% | S/ 1,687.52 | S/ 3,383.41 | S/ 5,087.72 | S/ 6,800.49 | S/ 346,834.49 |
| 1.35% | S/ 1,141.82 | S/ 2,287.47 | S/ 3,436.97 | S/ 4,590.33 | S/ 344,624.33 |
| 1.00% | S/ 846.89 | S/ 1,695.89 | S/ 2,547.01 | S/ 3,400.24 | S/ 343,434.24 |
| 0.10% | S/ 84.97 | S/ 169.97 | S/ 254.99 | S/ 340.02 | S/ 340,374.02 |
Sobre los datos
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Para S/ 340,034 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/ 340,034 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.