Cálculo de intereses
Ahorrando S/ 387,523
Veamos que pasaría si Usted ahorrara 387,523 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/ 387,523.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,427.07 | S/ 8,904.72 | S/ 13,433.53 | S/ 18,014.07 | S/ 405,537.07 |
| 8.50% | S/ 7,984.45 | S/ 16,133.41 | S/ 24,450.27 | S/ 32,938.49 | S/ 420,461.49 |
| 8.00% | S/ 7,528.02 | S/ 15,202.28 | S/ 23,025.62 | S/ 31,000.94 | S/ 418,523.94 |
| 7.10% | S/ 6,702.44 | S/ 13,520.80 | S/ 20,457.08 | S/ 27,513.34 | S/ 415,036.34 |
| 7.00% | S/ 6,610.38 | S/ 13,333.53 | S/ 20,171.36 | S/ 27,125.82 | S/ 414,648.82 |
| 6.50% | S/ 6,149.15 | S/ 12,395.88 | S/ 18,741.72 | S/ 25,188.27 | S/ 412,711.27 |
| 6.10% | S/ 5,779.00 | S/ 11,644.17 | S/ 17,596.81 | S/ 23,638.22 | S/ 411,161.22 |
| 6.20% | S/ 5,871.63 | S/ 11,832.23 | S/ 17,883.14 | S/ 24,025.73 | S/ 411,548.73 |
| 5.90% | S/ 5,593.52 | S/ 11,267.79 | S/ 17,023.95 | S/ 22,863.20 | S/ 410,386.20 |
| 5.75% | S/ 5,454.25 | S/ 10,985.26 | S/ 16,594.13 | S/ 22,281.93 | S/ 409,804.93 |
| 5.70% | S/ 5,407.79 | S/ 10,891.05 | S/ 16,450.82 | S/ 22,088.18 | S/ 409,611.18 |
| 5.65% | S/ 5,361.32 | S/ 10,796.80 | S/ 16,307.49 | S/ 21,894.42 | S/ 409,417.42 |
| 5.60% | S/ 5,314.82 | S/ 10,702.54 | S/ 16,164.15 | S/ 21,700.66 | S/ 409,223.66 |
| 5.50% | S/ 5,221.79 | S/ 10,513.95 | S/ 15,877.41 | S/ 21,313.15 | S/ 408,836.15 |
| 5.30% | S/ 5,035.53 | S/ 10,136.49 | S/ 15,303.74 | S/ 20,538.13 | S/ 408,061.13 |
| 5.25% | S/ 4,988.92 | S/ 10,042.07 | S/ 15,160.28 | S/ 20,344.37 | S/ 407,867.37 |
| 5.05% | S/ 4,802.33 | S/ 9,664.17 | S/ 14,586.26 | S/ 19,569.35 | S/ 407,092.35 |
| 5.00% | S/ 4,755.64 | S/ 9,569.64 | S/ 14,442.72 | S/ 19,375.59 | S/ 406,898.59 |
| 4.95% | S/ 4,708.93 | S/ 9,475.08 | S/ 14,299.15 | S/ 19,181.84 | S/ 406,704.84 |
| 4.75% | S/ 4,521.94 | S/ 9,096.64 | S/ 13,724.73 | S/ 18,406.82 | S/ 405,929.82 |
| 4.55% | S/ 4,334.68 | S/ 8,717.84 | S/ 13,150.03 | S/ 17,631.79 | S/ 405,154.79 |
| 4.50% | S/ 4,287.82 | S/ 8,623.08 | S/ 13,006.31 | S/ 17,438.04 | S/ 404,961.04 |
| 4.40% | S/ 4,194.05 | S/ 8,433.49 | S/ 12,718.82 | S/ 17,050.52 | S/ 404,573.52 |
| 4.30% | S/ 4,100.22 | S/ 8,243.82 | S/ 12,431.26 | S/ 16,663.01 | S/ 404,186.01 |
| 4.25% | S/ 4,053.28 | S/ 8,148.95 | S/ 12,287.46 | S/ 16,469.26 | S/ 403,992.26 |
| 4.20% | S/ 4,006.32 | S/ 8,054.05 | S/ 12,143.64 | S/ 16,275.50 | S/ 403,798.50 |
| 4.15% | S/ 3,959.34 | S/ 7,959.14 | S/ 11,999.80 | S/ 16,081.74 | S/ 403,604.74 |
| 4.00% | S/ 3,818.31 | S/ 7,674.25 | S/ 11,568.18 | S/ 15,500.48 | S/ 403,023.48 |
| 3.90% | S/ 3,724.21 | S/ 7,484.21 | S/ 11,280.35 | S/ 15,112.97 | S/ 402,635.97 |
| 3.75% | S/ 3,582.93 | S/ 7,198.98 | S/ 10,848.47 | S/ 14,531.70 | S/ 402,054.70 |
| 3.50% | S/ 3,347.11 | S/ 6,723.14 | S/ 10,128.32 | S/ 13,562.92 | S/ 401,085.92 |
| 3.00% | S/ 2,874.21 | S/ 5,769.73 | S/ 8,686.73 | S/ 11,625.36 | S/ 399,148.36 |
| 2.75% | S/ 2,637.10 | S/ 5,292.15 | S/ 7,965.27 | S/ 10,656.58 | S/ 398,179.58 |
| 2.50% | S/ 2,399.57 | S/ 4,814.00 | S/ 7,243.38 | S/ 9,687.80 | S/ 397,210.80 |
| 2.00% | S/ 1,923.20 | S/ 3,855.94 | S/ 5,798.27 | S/ 7,750.24 | S/ 395,273.24 |
| 1.35% | S/ 1,301.28 | S/ 2,606.94 | S/ 3,916.98 | S/ 5,231.41 | S/ 392,754.41 |
| 1.00% | S/ 965.17 | S/ 1,932.74 | S/ 2,902.72 | S/ 3,875.12 | S/ 391,398.12 |
| 0.10% | S/ 96.84 | S/ 193.71 | S/ 290.60 | S/ 387.51 | S/ 387,910.51 |
Sobre los datos
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Para S/ 387,523 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/ 387,523 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.