Cálculo de intereses
Ahorrando S/ 360,625
Veamos que pasaría si Usted ahorrara 360,625 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/ 360,625.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,119.79 | S/ 8,286.65 | S/ 12,501.10 | S/ 16,763.71 | S/ 377,388.71 |
| 8.50% | S/ 7,430.25 | S/ 15,013.59 | S/ 22,753.18 | S/ 30,652.23 | S/ 391,277.23 |
| 8.00% | S/ 7,005.50 | S/ 14,147.09 | S/ 21,427.41 | S/ 28,849.16 | S/ 389,474.16 |
| 7.10% | S/ 6,237.22 | S/ 12,582.32 | S/ 19,037.15 | S/ 25,603.63 | S/ 386,228.63 |
| 7.00% | S/ 6,151.56 | S/ 12,408.05 | S/ 18,771.26 | S/ 25,243.02 | S/ 385,868.02 |
| 6.50% | S/ 5,722.34 | S/ 11,535.48 | S/ 17,440.86 | S/ 23,439.95 | S/ 384,064.95 |
| 6.10% | S/ 5,377.87 | S/ 10,835.95 | S/ 16,375.42 | S/ 21,997.49 | S/ 382,622.49 |
| 6.20% | S/ 5,464.08 | S/ 11,010.95 | S/ 16,641.87 | S/ 22,358.10 | S/ 382,983.10 |
| 5.90% | S/ 5,205.28 | S/ 10,485.69 | S/ 15,842.32 | S/ 21,276.26 | S/ 381,901.26 |
| 5.75% | S/ 5,075.67 | S/ 10,222.78 | S/ 15,442.33 | S/ 20,735.34 | S/ 381,360.34 |
| 5.70% | S/ 5,032.44 | S/ 10,135.10 | S/ 15,308.97 | S/ 20,555.03 | S/ 381,180.03 |
| 5.65% | S/ 4,989.19 | S/ 10,047.40 | S/ 15,175.59 | S/ 20,374.73 | S/ 380,999.73 |
| 5.60% | S/ 4,945.92 | S/ 9,959.68 | S/ 15,042.20 | S/ 20,194.42 | S/ 380,819.42 |
| 5.50% | S/ 4,859.35 | S/ 9,784.17 | S/ 14,775.36 | S/ 19,833.80 | S/ 380,458.80 |
| 5.30% | S/ 4,686.01 | S/ 9,432.92 | S/ 14,241.51 | S/ 19,112.58 | S/ 379,737.58 |
| 5.25% | S/ 4,642.64 | S/ 9,345.05 | S/ 14,108.00 | S/ 18,932.27 | S/ 379,557.27 |
| 5.05% | S/ 4,469.00 | S/ 8,993.38 | S/ 13,573.83 | S/ 18,211.04 | S/ 378,836.04 |
| 5.00% | S/ 4,425.55 | S/ 8,905.41 | S/ 13,440.25 | S/ 18,030.73 | S/ 378,655.73 |
| 4.95% | S/ 4,382.08 | S/ 8,817.42 | S/ 13,306.65 | S/ 17,850.43 | S/ 378,475.43 |
| 4.75% | S/ 4,208.07 | S/ 8,465.24 | S/ 12,772.09 | S/ 17,129.20 | S/ 377,754.20 |
| 4.55% | S/ 4,033.81 | S/ 8,112.73 | S/ 12,237.28 | S/ 16,407.97 | S/ 377,032.97 |
| 4.50% | S/ 3,990.20 | S/ 8,024.55 | S/ 12,103.54 | S/ 16,227.66 | S/ 376,852.66 |
| 4.40% | S/ 3,902.94 | S/ 7,848.13 | S/ 11,836.01 | S/ 15,867.05 | S/ 376,492.05 |
| 4.30% | S/ 3,815.62 | S/ 7,671.62 | S/ 11,568.41 | S/ 15,506.43 | S/ 376,131.43 |
| 4.25% | S/ 3,771.94 | S/ 7,583.33 | S/ 11,434.59 | S/ 15,326.12 | S/ 375,951.12 |
| 4.20% | S/ 3,728.24 | S/ 7,495.02 | S/ 11,300.75 | S/ 15,145.82 | S/ 375,770.82 |
| 4.15% | S/ 3,684.52 | S/ 7,406.69 | S/ 11,166.89 | S/ 14,965.51 | S/ 375,590.51 |
| 4.00% | S/ 3,553.28 | S/ 7,141.58 | S/ 10,765.23 | S/ 14,424.59 | S/ 375,049.59 |
| 3.90% | S/ 3,465.71 | S/ 6,964.73 | S/ 10,497.38 | S/ 14,063.97 | S/ 374,688.97 |
| 3.75% | S/ 3,334.24 | S/ 6,699.30 | S/ 10,095.48 | S/ 13,523.05 | S/ 374,148.05 |
| 3.50% | S/ 3,114.79 | S/ 6,256.49 | S/ 9,425.32 | S/ 12,621.52 | S/ 373,246.52 |
| 3.00% | S/ 2,674.71 | S/ 5,369.25 | S/ 8,083.78 | S/ 10,818.44 | S/ 371,443.44 |
| 2.75% | S/ 2,454.06 | S/ 4,924.83 | S/ 7,412.40 | S/ 9,916.91 | S/ 370,541.91 |
| 2.50% | S/ 2,233.02 | S/ 4,479.86 | S/ 6,740.61 | S/ 9,015.37 | S/ 369,640.37 |
| 2.00% | S/ 1,789.71 | S/ 3,588.30 | S/ 5,395.81 | S/ 7,212.30 | S/ 367,837.30 |
| 1.35% | S/ 1,210.96 | S/ 2,425.99 | S/ 3,645.10 | S/ 4,868.30 | S/ 365,493.30 |
| 1.00% | S/ 898.18 | S/ 1,798.59 | S/ 2,701.24 | S/ 3,606.15 | S/ 364,231.15 |
| 0.10% | S/ 90.12 | S/ 180.26 | S/ 270.43 | S/ 360.61 | S/ 360,985.61 |
Sobre los datos
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Para S/ 360,625 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/ 360,625 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.