Cálculo de intereses
Ahorrando S/ 382,490
Veamos que pasaría si Usted ahorrara 382,490 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/ 382,490.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,369.58 | S/ 8,789.07 | S/ 13,259.06 | S/ 17,780.11 | S/ 400,270.11 |
| 8.50% | S/ 7,880.75 | S/ 15,923.88 | S/ 24,132.72 | S/ 32,510.70 | S/ 415,000.70 |
| 8.00% | S/ 7,430.25 | S/ 15,004.84 | S/ 22,726.57 | S/ 30,598.31 | S/ 413,088.31 |
| 7.10% | S/ 6,615.39 | S/ 13,345.19 | S/ 20,191.39 | S/ 27,156.00 | S/ 409,646.00 |
| 7.00% | S/ 6,524.53 | S/ 13,160.36 | S/ 19,909.38 | S/ 26,773.52 | S/ 409,263.52 |
| 6.50% | S/ 6,069.29 | S/ 12,234.88 | S/ 18,498.31 | S/ 24,861.13 | S/ 407,351.13 |
| 6.10% | S/ 5,703.94 | S/ 11,492.94 | S/ 17,368.27 | S/ 23,331.22 | S/ 405,821.22 |
| 6.20% | S/ 5,795.37 | S/ 11,678.56 | S/ 17,650.88 | S/ 23,713.70 | S/ 406,203.70 |
| 5.90% | S/ 5,520.88 | S/ 11,121.44 | S/ 16,802.85 | S/ 22,566.26 | S/ 405,056.26 |
| 5.75% | S/ 5,383.41 | S/ 10,842.59 | S/ 16,378.61 | S/ 21,992.54 | S/ 404,482.54 |
| 5.70% | S/ 5,337.56 | S/ 10,749.60 | S/ 16,237.16 | S/ 21,801.30 | S/ 404,291.30 |
| 5.65% | S/ 5,291.69 | S/ 10,656.58 | S/ 16,095.70 | S/ 21,610.06 | S/ 404,100.06 |
| 5.60% | S/ 5,245.80 | S/ 10,563.54 | S/ 15,954.22 | S/ 21,418.82 | S/ 403,908.82 |
| 5.50% | S/ 5,153.97 | S/ 10,377.40 | S/ 15,671.20 | S/ 21,036.35 | S/ 403,526.35 |
| 5.30% | S/ 4,970.13 | S/ 10,004.84 | S/ 15,104.98 | S/ 20,271.39 | S/ 402,761.39 |
| 5.25% | S/ 4,924.13 | S/ 9,911.65 | S/ 14,963.38 | S/ 20,080.15 | S/ 402,570.15 |
| 5.05% | S/ 4,739.96 | S/ 9,538.66 | S/ 14,396.82 | S/ 19,315.19 | S/ 401,805.19 |
| 5.00% | S/ 4,693.87 | S/ 9,445.35 | S/ 14,255.14 | S/ 19,123.95 | S/ 401,613.95 |
| 4.95% | S/ 4,647.77 | S/ 9,352.03 | S/ 14,113.44 | S/ 18,932.71 | S/ 401,422.71 |
| 4.75% | S/ 4,463.21 | S/ 8,978.50 | S/ 13,546.47 | S/ 18,167.75 | S/ 400,657.75 |
| 4.55% | S/ 4,278.38 | S/ 8,604.61 | S/ 12,979.24 | S/ 17,402.80 | S/ 399,892.80 |
| 4.50% | S/ 4,232.13 | S/ 8,511.09 | S/ 12,837.39 | S/ 17,211.56 | S/ 399,701.56 |
| 4.40% | S/ 4,139.58 | S/ 8,323.96 | S/ 12,553.63 | S/ 16,829.08 | S/ 399,319.08 |
| 4.30% | S/ 4,046.97 | S/ 8,136.75 | S/ 12,269.81 | S/ 16,446.60 | S/ 398,936.60 |
| 4.25% | S/ 4,000.63 | S/ 8,043.11 | S/ 12,127.87 | S/ 16,255.36 | S/ 398,745.36 |
| 4.20% | S/ 3,954.29 | S/ 7,949.45 | S/ 11,985.92 | S/ 16,064.12 | S/ 398,554.12 |
| 4.15% | S/ 3,907.92 | S/ 7,855.77 | S/ 11,843.95 | S/ 15,872.88 | S/ 398,362.88 |
| 4.00% | S/ 3,768.72 | S/ 7,574.58 | S/ 11,417.94 | S/ 15,299.16 | S/ 397,789.16 |
| 3.90% | S/ 3,675.84 | S/ 7,387.01 | S/ 11,133.84 | S/ 14,916.68 | S/ 397,406.68 |
| 3.75% | S/ 3,536.39 | S/ 7,105.48 | S/ 10,707.57 | S/ 14,342.97 | S/ 396,832.97 |
| 3.50% | S/ 3,303.64 | S/ 6,635.82 | S/ 9,996.78 | S/ 13,386.77 | S/ 395,876.77 |
| 3.00% | S/ 2,836.88 | S/ 5,694.79 | S/ 8,573.91 | S/ 11,474.37 | S/ 393,964.37 |
| 2.75% | S/ 2,602.85 | S/ 5,223.42 | S/ 7,861.82 | S/ 10,518.18 | S/ 393,008.18 |
| 2.50% | S/ 2,368.41 | S/ 4,751.48 | S/ 7,149.30 | S/ 9,561.98 | S/ 392,051.98 |
| 2.00% | S/ 1,898.22 | S/ 3,805.86 | S/ 5,722.96 | S/ 7,649.58 | S/ 390,139.58 |
| 1.35% | S/ 1,284.38 | S/ 2,573.08 | S/ 3,866.10 | S/ 5,163.47 | S/ 387,653.47 |
| 1.00% | S/ 952.63 | S/ 1,907.64 | S/ 2,865.02 | S/ 3,824.79 | S/ 386,314.79 |
| 0.10% | S/ 95.58 | S/ 191.19 | S/ 286.82 | S/ 382.48 | S/ 382,872.48 |
Sobre los datos
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Para S/ 382,490 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/ 382,490 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.