Cálculo de intereses
Ahorrando S/ 378,696
Veamos que pasaría si Usted ahorrara 378,696 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/ 378,696.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,326.23 | S/ 8,701.89 | S/ 13,127.54 | S/ 17,603.74 | S/ 396,299.74 |
| 8.50% | S/ 7,802.58 | S/ 15,765.93 | S/ 23,893.35 | S/ 32,188.22 | S/ 410,884.22 |
| 8.00% | S/ 7,356.55 | S/ 14,856.00 | S/ 22,501.14 | S/ 30,294.80 | S/ 408,990.80 |
| 7.10% | S/ 6,549.77 | S/ 13,212.82 | S/ 19,991.11 | S/ 26,886.64 | S/ 405,582.64 |
| 7.00% | S/ 6,459.81 | S/ 13,029.82 | S/ 19,711.89 | S/ 26,507.95 | S/ 405,203.95 |
| 6.50% | S/ 6,009.09 | S/ 12,113.52 | S/ 18,314.83 | S/ 24,614.53 | S/ 403,310.53 |
| 6.10% | S/ 5,647.36 | S/ 11,378.94 | S/ 17,195.99 | S/ 23,099.79 | S/ 401,795.79 |
| 6.20% | S/ 5,737.89 | S/ 11,562.72 | S/ 17,475.80 | S/ 23,478.47 | S/ 402,174.47 |
| 5.90% | S/ 5,466.11 | S/ 11,011.13 | S/ 16,636.18 | S/ 22,342.42 | S/ 401,038.42 |
| 5.75% | S/ 5,330.01 | S/ 10,735.04 | S/ 16,216.14 | S/ 21,774.39 | S/ 400,470.39 |
| 5.70% | S/ 5,284.61 | S/ 10,642.97 | S/ 16,076.10 | S/ 21,585.05 | S/ 400,281.05 |
| 5.65% | S/ 5,239.20 | S/ 10,550.87 | S/ 15,936.04 | S/ 21,395.71 | S/ 400,091.71 |
| 5.60% | S/ 5,193.76 | S/ 10,458.76 | S/ 15,795.96 | S/ 21,206.37 | S/ 399,902.37 |
| 5.50% | S/ 5,102.85 | S/ 10,274.46 | S/ 15,515.76 | S/ 20,827.68 | S/ 399,523.68 |
| 5.30% | S/ 4,920.83 | S/ 9,905.60 | S/ 14,955.15 | S/ 20,070.31 | S/ 398,766.31 |
| 5.25% | S/ 4,875.29 | S/ 9,813.34 | S/ 14,814.96 | S/ 19,880.97 | S/ 398,576.97 |
| 5.05% | S/ 4,692.94 | S/ 9,444.04 | S/ 14,254.02 | S/ 19,123.60 | S/ 397,819.60 |
| 5.00% | S/ 4,647.32 | S/ 9,351.66 | S/ 14,113.74 | S/ 18,934.26 | S/ 397,630.26 |
| 4.95% | S/ 4,601.67 | S/ 9,259.26 | S/ 13,973.45 | S/ 18,744.91 | S/ 397,440.91 |
| 4.75% | S/ 4,418.94 | S/ 8,889.44 | S/ 13,412.10 | S/ 17,987.54 | S/ 396,683.54 |
| 4.55% | S/ 4,235.94 | S/ 8,519.26 | S/ 12,850.49 | S/ 17,230.17 | S/ 395,926.17 |
| 4.50% | S/ 4,190.15 | S/ 8,426.66 | S/ 12,710.05 | S/ 17,040.83 | S/ 395,736.83 |
| 4.40% | S/ 4,098.52 | S/ 8,241.40 | S/ 12,429.11 | S/ 16,662.15 | S/ 395,358.15 |
| 4.30% | S/ 4,006.82 | S/ 8,056.04 | S/ 12,148.10 | S/ 16,283.46 | S/ 394,979.46 |
| 4.25% | S/ 3,960.95 | S/ 7,963.33 | S/ 12,007.58 | S/ 16,094.12 | S/ 394,790.12 |
| 4.20% | S/ 3,915.06 | S/ 7,870.60 | S/ 11,867.03 | S/ 15,904.78 | S/ 394,600.78 |
| 4.15% | S/ 3,869.16 | S/ 7,777.84 | S/ 11,726.47 | S/ 15,715.43 | S/ 394,411.43 |
| 4.00% | S/ 3,731.34 | S/ 7,499.45 | S/ 11,304.68 | S/ 15,147.41 | S/ 393,843.41 |
| 3.90% | S/ 3,639.38 | S/ 7,313.74 | S/ 11,023.40 | S/ 14,768.72 | S/ 393,464.72 |
| 3.75% | S/ 3,501.32 | S/ 7,035.00 | S/ 10,601.36 | S/ 14,200.70 | S/ 392,896.70 |
| 3.50% | S/ 3,270.87 | S/ 6,570.00 | S/ 9,897.62 | S/ 13,253.98 | S/ 391,949.98 |
| 3.00% | S/ 2,808.74 | S/ 5,638.30 | S/ 8,488.86 | S/ 11,360.56 | S/ 390,056.56 |
| 2.75% | S/ 2,577.04 | S/ 5,171.61 | S/ 7,783.84 | S/ 10,413.84 | S/ 389,109.84 |
| 2.50% | S/ 2,344.91 | S/ 4,704.35 | S/ 7,078.39 | S/ 9,467.13 | S/ 388,163.13 |
| 2.00% | S/ 1,879.39 | S/ 3,768.11 | S/ 5,666.20 | S/ 7,573.71 | S/ 386,269.71 |
| 1.35% | S/ 1,271.64 | S/ 2,547.56 | S/ 3,827.76 | S/ 5,112.25 | S/ 383,808.25 |
| 1.00% | S/ 943.18 | S/ 1,888.72 | S/ 2,836.60 | S/ 3,786.85 | S/ 382,482.85 |
| 0.10% | S/ 94.64 | S/ 189.30 | S/ 283.98 | S/ 378.69 | S/ 379,074.69 |
Sobre los datos
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Para S/ 378,696 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/ 378,696 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.