Cálculo de intereses
Ahorrando S/ 350,406
Veamos que pasaría si Usted ahorrara 350,406 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/ 350,406.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,003.05 | S/ 8,051.83 | S/ 12,146.86 | S/ 16,288.68 | S/ 366,694.68 |
| 8.50% | S/ 7,219.70 | S/ 14,588.15 | S/ 22,108.42 | S/ 29,783.64 | S/ 380,189.64 |
| 8.00% | S/ 6,806.99 | S/ 13,746.20 | S/ 20,820.22 | S/ 28,031.66 | S/ 378,437.66 |
| 7.10% | S/ 6,060.48 | S/ 12,225.77 | S/ 18,497.70 | S/ 24,878.11 | S/ 375,284.11 |
| 7.00% | S/ 5,977.24 | S/ 12,056.44 | S/ 18,239.34 | S/ 24,527.71 | S/ 374,933.71 |
| 6.50% | S/ 5,560.19 | S/ 11,208.60 | S/ 16,946.64 | S/ 22,775.73 | S/ 373,181.73 |
| 6.10% | S/ 5,225.48 | S/ 10,528.89 | S/ 15,911.39 | S/ 21,374.15 | S/ 371,780.15 |
| 6.20% | S/ 5,309.25 | S/ 10,698.94 | S/ 16,170.29 | S/ 21,724.55 | S/ 372,130.55 |
| 5.90% | S/ 5,057.78 | S/ 10,188.56 | S/ 15,393.39 | S/ 20,673.36 | S/ 371,079.36 |
| 5.75% | S/ 4,931.84 | S/ 9,933.09 | S/ 15,004.74 | S/ 20,147.76 | S/ 370,553.76 |
| 5.70% | S/ 4,889.83 | S/ 9,847.90 | S/ 14,875.16 | S/ 19,972.57 | S/ 370,378.57 |
| 5.65% | S/ 4,847.81 | S/ 9,762.69 | S/ 14,745.56 | S/ 19,797.37 | S/ 370,203.37 |
| 5.60% | S/ 4,805.77 | S/ 9,677.45 | S/ 14,615.95 | S/ 19,622.17 | S/ 370,028.17 |
| 5.50% | S/ 4,721.65 | S/ 9,506.92 | S/ 14,356.67 | S/ 19,271.78 | S/ 369,677.78 |
| 5.30% | S/ 4,553.23 | S/ 9,165.62 | S/ 13,837.95 | S/ 18,570.98 | S/ 368,976.98 |
| 5.25% | S/ 4,511.08 | S/ 9,080.24 | S/ 13,708.22 | S/ 18,395.79 | S/ 368,801.79 |
| 5.05% | S/ 4,342.36 | S/ 8,738.54 | S/ 13,189.19 | S/ 17,695.00 | S/ 368,101.00 |
| 5.00% | S/ 4,300.14 | S/ 8,653.06 | S/ 13,059.39 | S/ 17,519.80 | S/ 367,925.80 |
| 4.95% | S/ 4,257.91 | S/ 8,567.56 | S/ 12,929.58 | S/ 17,344.60 | S/ 367,750.60 |
| 4.75% | S/ 4,088.83 | S/ 8,225.36 | S/ 12,410.17 | S/ 16,643.81 | S/ 367,049.81 |
| 4.55% | S/ 3,919.50 | S/ 7,882.84 | S/ 11,890.51 | S/ 15,943.02 | S/ 366,349.02 |
| 4.50% | S/ 3,877.13 | S/ 7,797.16 | S/ 11,760.56 | S/ 15,767.82 | S/ 366,173.82 |
| 4.40% | S/ 3,792.35 | S/ 7,625.73 | S/ 11,500.61 | S/ 15,417.42 | S/ 365,823.42 |
| 4.30% | S/ 3,707.50 | S/ 7,454.23 | S/ 11,240.60 | S/ 15,067.03 | S/ 365,473.03 |
| 4.25% | S/ 3,665.05 | S/ 7,368.44 | S/ 11,110.57 | S/ 14,891.83 | S/ 365,297.83 |
| 4.20% | S/ 3,622.59 | S/ 7,282.64 | S/ 10,980.52 | S/ 14,716.63 | S/ 365,122.63 |
| 4.15% | S/ 3,580.12 | S/ 7,196.81 | S/ 10,850.46 | S/ 14,541.43 | S/ 364,947.43 |
| 4.00% | S/ 3,452.60 | S/ 6,939.21 | S/ 10,460.18 | S/ 14,015.84 | S/ 364,421.84 |
| 3.90% | S/ 3,367.51 | S/ 6,767.37 | S/ 10,199.91 | S/ 13,665.44 | S/ 364,071.44 |
| 3.75% | S/ 3,239.75 | S/ 6,509.46 | S/ 9,809.40 | S/ 13,139.85 | S/ 363,545.85 |
| 3.50% | S/ 3,026.53 | S/ 6,079.20 | S/ 9,158.23 | S/ 12,263.86 | S/ 362,669.86 |
| 3.00% | S/ 2,598.91 | S/ 5,217.10 | S/ 7,854.71 | S/ 10,511.88 | S/ 360,917.88 |
| 2.75% | S/ 2,384.52 | S/ 4,785.27 | S/ 7,202.36 | S/ 9,635.89 | S/ 360,041.89 |
| 2.50% | S/ 2,169.74 | S/ 4,352.91 | S/ 6,549.61 | S/ 8,759.90 | S/ 359,165.90 |
| 2.00% | S/ 1,738.99 | S/ 3,486.61 | S/ 5,242.91 | S/ 7,007.92 | S/ 357,413.92 |
| 1.35% | S/ 1,176.65 | S/ 2,357.25 | S/ 3,541.81 | S/ 4,730.35 | S/ 355,136.35 |
| 1.00% | S/ 872.72 | S/ 1,747.62 | S/ 2,624.70 | S/ 3,503.96 | S/ 353,909.96 |
| 0.10% | S/ 87.57 | S/ 175.15 | S/ 262.76 | S/ 350.40 | S/ 350,756.40 |
Sobre los datos
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Para S/ 350,406 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/ 350,406 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.