Cálculo de intereses
Ahorrando S/ 350,172
Veamos que pasaría si Usted ahorrara 350,172 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/ 350,172.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,000.38 | S/ 8,046.45 | S/ 12,138.75 | S/ 16,277.80 | S/ 366,449.80 |
| 8.50% | S/ 7,214.88 | S/ 14,578.41 | S/ 22,093.66 | S/ 29,763.75 | S/ 379,935.75 |
| 8.00% | S/ 6,802.44 | S/ 13,737.03 | S/ 20,806.32 | S/ 28,012.95 | S/ 378,184.95 |
| 7.10% | S/ 6,056.43 | S/ 12,217.61 | S/ 18,485.35 | S/ 24,861.49 | S/ 375,033.49 |
| 7.00% | S/ 5,973.25 | S/ 12,048.39 | S/ 18,227.16 | S/ 24,511.33 | S/ 374,683.33 |
| 6.50% | S/ 5,556.47 | S/ 11,201.11 | S/ 16,935.32 | S/ 22,760.52 | S/ 372,932.52 |
| 6.10% | S/ 5,221.99 | S/ 10,521.86 | S/ 15,900.76 | S/ 21,359.88 | S/ 371,531.88 |
| 6.20% | S/ 5,305.70 | S/ 10,691.79 | S/ 16,159.49 | S/ 21,710.04 | S/ 371,882.04 |
| 5.90% | S/ 5,054.40 | S/ 10,181.75 | S/ 15,383.11 | S/ 20,659.55 | S/ 370,831.55 |
| 5.75% | S/ 4,928.55 | S/ 9,926.46 | S/ 14,994.72 | S/ 20,134.31 | S/ 370,306.31 |
| 5.70% | S/ 4,886.57 | S/ 9,841.32 | S/ 14,865.22 | S/ 19,959.23 | S/ 370,131.23 |
| 5.65% | S/ 4,844.57 | S/ 9,756.17 | S/ 14,735.71 | S/ 19,784.15 | S/ 369,956.15 |
| 5.60% | S/ 4,802.56 | S/ 9,670.99 | S/ 14,606.19 | S/ 19,609.07 | S/ 369,781.07 |
| 5.50% | S/ 4,718.50 | S/ 9,500.57 | S/ 14,347.09 | S/ 19,258.91 | S/ 369,430.91 |
| 5.30% | S/ 4,550.19 | S/ 9,159.50 | S/ 13,828.70 | S/ 18,558.58 | S/ 368,730.58 |
| 5.25% | S/ 4,508.07 | S/ 9,074.18 | S/ 13,699.07 | S/ 18,383.50 | S/ 368,555.50 |
| 5.05% | S/ 4,339.46 | S/ 8,732.70 | S/ 13,180.38 | S/ 17,683.18 | S/ 367,855.18 |
| 5.00% | S/ 4,297.27 | S/ 8,647.28 | S/ 13,050.67 | S/ 17,508.10 | S/ 367,680.10 |
| 4.95% | S/ 4,255.07 | S/ 8,561.84 | S/ 12,920.94 | S/ 17,333.02 | S/ 367,505.02 |
| 4.75% | S/ 4,086.10 | S/ 8,219.87 | S/ 12,401.88 | S/ 16,632.69 | S/ 366,804.69 |
| 4.55% | S/ 3,916.88 | S/ 7,877.58 | S/ 11,882.57 | S/ 15,932.37 | S/ 366,104.37 |
| 4.50% | S/ 3,874.54 | S/ 7,791.95 | S/ 11,752.71 | S/ 15,757.29 | S/ 365,929.29 |
| 4.40% | S/ 3,789.81 | S/ 7,620.64 | S/ 11,492.93 | S/ 15,407.13 | S/ 365,579.13 |
| 4.30% | S/ 3,705.02 | S/ 7,449.25 | S/ 11,233.09 | S/ 15,056.97 | S/ 365,228.97 |
| 4.25% | S/ 3,662.61 | S/ 7,363.52 | S/ 11,103.15 | S/ 14,881.88 | S/ 365,053.88 |
| 4.20% | S/ 3,620.17 | S/ 7,277.77 | S/ 10,973.19 | S/ 14,706.80 | S/ 364,878.80 |
| 4.15% | S/ 3,577.73 | S/ 7,192.00 | S/ 10,843.21 | S/ 14,531.72 | S/ 364,703.72 |
| 4.00% | S/ 3,450.29 | S/ 6,934.58 | S/ 10,453.19 | S/ 14,006.48 | S/ 364,178.48 |
| 3.90% | S/ 3,365.26 | S/ 6,762.85 | S/ 10,193.10 | S/ 13,656.32 | S/ 363,828.32 |
| 3.75% | S/ 3,237.59 | S/ 6,505.12 | S/ 9,802.85 | S/ 13,131.08 | S/ 363,303.08 |
| 3.50% | S/ 3,024.51 | S/ 6,075.14 | S/ 9,152.12 | S/ 12,255.67 | S/ 362,427.67 |
| 3.00% | S/ 2,597.18 | S/ 5,213.62 | S/ 7,849.47 | S/ 10,504.86 | S/ 360,676.86 |
| 2.75% | S/ 2,382.93 | S/ 4,782.08 | S/ 7,197.55 | S/ 9,629.46 | S/ 359,801.46 |
| 2.50% | S/ 2,168.29 | S/ 4,350.01 | S/ 6,545.23 | S/ 8,754.05 | S/ 358,926.05 |
| 2.00% | S/ 1,737.83 | S/ 3,484.29 | S/ 5,239.41 | S/ 7,003.24 | S/ 357,175.24 |
| 1.35% | S/ 1,175.86 | S/ 2,355.67 | S/ 3,539.44 | S/ 4,727.19 | S/ 354,899.19 |
| 1.00% | S/ 872.14 | S/ 1,746.46 | S/ 2,622.95 | S/ 3,501.62 | S/ 353,673.62 |
| 0.10% | S/ 87.51 | S/ 175.04 | S/ 262.59 | S/ 350.16 | S/ 350,522.16 |
Sobre los datos
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Para S/ 350,172 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/ 350,172 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.