Cálculo de intereses
Ahorrando S/ 368,140
Veamos que pasaría si Usted ahorrara 368,140 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/ 368,140.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,205.64 | S/ 8,459.33 | S/ 12,761.61 | S/ 17,113.04 | S/ 385,253.04 |
| 8.50% | S/ 7,585.09 | S/ 15,326.46 | S/ 23,227.33 | S/ 31,290.99 | S/ 399,430.99 |
| 8.00% | S/ 7,151.49 | S/ 14,441.90 | S/ 21,873.93 | S/ 29,450.34 | S/ 397,590.34 |
| 7.10% | S/ 6,367.20 | S/ 12,844.52 | S/ 19,433.87 | S/ 26,137.18 | S/ 394,277.18 |
| 7.00% | S/ 6,279.75 | S/ 12,666.62 | S/ 19,162.43 | S/ 25,769.05 | S/ 393,909.05 |
| 6.50% | S/ 5,841.59 | S/ 11,775.86 | S/ 17,804.31 | S/ 23,928.41 | S/ 392,068.41 |
| 6.10% | S/ 5,489.94 | S/ 11,061.76 | S/ 16,716.66 | S/ 22,455.89 | S/ 390,595.89 |
| 6.20% | S/ 5,577.95 | S/ 11,240.41 | S/ 16,988.67 | S/ 22,824.02 | S/ 390,964.02 |
| 5.90% | S/ 5,313.75 | S/ 10,704.20 | S/ 16,172.45 | S/ 21,719.63 | S/ 389,859.63 |
| 5.75% | S/ 5,181.44 | S/ 10,435.81 | S/ 15,764.13 | S/ 21,167.44 | S/ 389,307.44 |
| 5.70% | S/ 5,137.31 | S/ 10,346.30 | S/ 15,627.99 | S/ 20,983.38 | S/ 389,123.38 |
| 5.65% | S/ 5,093.16 | S/ 10,256.77 | S/ 15,491.83 | S/ 20,799.31 | S/ 388,939.31 |
| 5.60% | S/ 5,048.99 | S/ 10,167.23 | S/ 15,355.66 | S/ 20,615.25 | S/ 388,755.25 |
| 5.50% | S/ 4,960.61 | S/ 9,988.06 | S/ 15,083.26 | S/ 20,247.12 | S/ 388,387.12 |
| 5.30% | S/ 4,783.67 | S/ 9,629.49 | S/ 14,538.28 | S/ 19,510.86 | S/ 387,650.86 |
| 5.25% | S/ 4,739.39 | S/ 9,539.79 | S/ 14,402.00 | S/ 19,326.79 | S/ 387,466.79 |
| 5.05% | S/ 4,562.13 | S/ 9,180.79 | S/ 13,856.69 | S/ 18,590.54 | S/ 386,730.54 |
| 5.00% | S/ 4,517.77 | S/ 9,090.99 | S/ 13,720.32 | S/ 18,406.47 | S/ 386,546.47 |
| 4.95% | S/ 4,473.40 | S/ 9,001.16 | S/ 13,583.94 | S/ 18,222.41 | S/ 386,362.41 |
| 4.75% | S/ 4,295.76 | S/ 8,641.65 | S/ 13,038.25 | S/ 17,486.15 | S/ 385,626.15 |
| 4.55% | S/ 4,117.86 | S/ 8,281.79 | S/ 12,492.29 | S/ 16,749.89 | S/ 384,889.89 |
| 4.50% | S/ 4,073.35 | S/ 8,191.77 | S/ 12,355.76 | S/ 16,565.83 | S/ 384,705.83 |
| 4.40% | S/ 3,984.28 | S/ 8,011.67 | S/ 12,082.65 | S/ 16,197.70 | S/ 384,337.70 |
| 4.30% | S/ 3,895.14 | S/ 7,831.48 | S/ 11,809.48 | S/ 15,829.57 | S/ 383,969.57 |
| 4.25% | S/ 3,850.54 | S/ 7,741.36 | S/ 11,672.87 | S/ 15,645.50 | S/ 383,785.50 |
| 4.20% | S/ 3,805.93 | S/ 7,651.21 | S/ 11,536.24 | S/ 15,461.44 | S/ 383,601.44 |
| 4.15% | S/ 3,761.31 | S/ 7,561.04 | S/ 11,399.60 | S/ 15,277.37 | S/ 383,417.37 |
| 4.00% | S/ 3,627.33 | S/ 7,290.40 | S/ 10,989.57 | S/ 14,725.18 | S/ 382,865.18 |
| 3.90% | S/ 3,537.93 | S/ 7,109.87 | S/ 10,716.13 | S/ 14,357.05 | S/ 382,497.05 |
| 3.75% | S/ 3,403.72 | S/ 6,838.91 | S/ 10,305.85 | S/ 13,804.86 | S/ 381,944.86 |
| 3.50% | S/ 3,179.70 | S/ 6,386.86 | S/ 9,621.73 | S/ 12,884.53 | S/ 381,024.53 |
| 3.00% | S/ 2,730.44 | S/ 5,481.14 | S/ 8,252.24 | S/ 11,043.89 | S/ 379,183.89 |
| 2.75% | S/ 2,505.20 | S/ 5,027.45 | S/ 7,566.87 | S/ 10,123.56 | S/ 378,263.56 |
| 2.50% | S/ 2,279.55 | S/ 4,573.21 | S/ 6,881.08 | S/ 9,203.24 | S/ 377,343.24 |
| 2.00% | S/ 1,827.00 | S/ 3,663.07 | S/ 5,508.25 | S/ 7,362.59 | S/ 375,502.59 |
| 1.35% | S/ 1,236.20 | S/ 2,476.54 | S/ 3,721.06 | S/ 4,969.75 | S/ 373,109.75 |
| 1.00% | S/ 916.89 | S/ 1,836.07 | S/ 2,757.54 | S/ 3,681.30 | S/ 371,821.30 |
| 0.10% | S/ 92.00 | S/ 184.02 | S/ 276.06 | S/ 368.13 | S/ 368,508.13 |
Sobre los datos
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Para S/ 368,140 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/ 368,140 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.