Cálculo de intereses
Ahorrando S/ 388,196
Veamos que pasaría si Usted ahorrara 388,196 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2023) 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/ 388,196.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,434.76 | S/ 8,920.19 | S/ 13,456.86 | S/ 18,045.35 | S/ 406,241.35 |
| 8.50% | S/ 7,998.32 | S/ 16,161.43 | S/ 24,492.74 | S/ 32,995.70 | S/ 421,191.70 |
| 8.00% | S/ 7,541.09 | S/ 15,228.68 | S/ 23,065.61 | S/ 31,054.78 | S/ 419,250.78 |
| 7.10% | S/ 6,714.08 | S/ 13,544.28 | S/ 20,492.61 | S/ 27,561.12 | S/ 415,757.12 |
| 7.00% | S/ 6,621.86 | S/ 13,356.68 | S/ 20,206.39 | S/ 27,172.93 | S/ 415,368.93 |
| 6.50% | S/ 6,159.83 | S/ 12,417.40 | S/ 18,774.27 | S/ 25,232.01 | S/ 413,428.01 |
| 6.10% | S/ 5,789.03 | S/ 11,664.39 | S/ 17,627.37 | S/ 23,679.27 | S/ 411,875.27 |
| 6.20% | S/ 5,881.83 | S/ 11,852.78 | S/ 17,914.20 | S/ 24,067.46 | S/ 412,263.46 |
| 5.90% | S/ 5,603.24 | S/ 11,287.35 | S/ 17,053.51 | S/ 22,902.90 | S/ 411,098.90 |
| 5.75% | S/ 5,463.72 | S/ 11,004.34 | S/ 16,622.94 | S/ 22,320.63 | S/ 410,516.63 |
| 5.70% | S/ 5,417.18 | S/ 10,909.96 | S/ 16,479.39 | S/ 22,126.54 | S/ 410,322.54 |
| 5.65% | S/ 5,370.63 | S/ 10,815.55 | S/ 16,335.81 | S/ 21,932.44 | S/ 410,128.44 |
| 5.60% | S/ 5,324.05 | S/ 10,721.13 | S/ 16,192.22 | S/ 21,738.35 | S/ 409,934.35 |
| 5.50% | S/ 5,230.86 | S/ 10,532.21 | S/ 15,904.99 | S/ 21,350.17 | S/ 409,546.17 |
| 5.30% | S/ 5,044.28 | S/ 10,154.10 | S/ 15,330.32 | S/ 20,573.80 | S/ 408,769.80 |
| 5.25% | S/ 4,997.59 | S/ 10,059.51 | S/ 15,186.61 | S/ 20,379.70 | S/ 408,575.70 |
| 5.05% | S/ 4,810.67 | S/ 9,680.95 | S/ 14,611.59 | S/ 19,603.34 | S/ 407,799.34 |
| 5.00% | S/ 4,763.90 | S/ 9,586.26 | S/ 14,467.80 | S/ 19,409.24 | S/ 407,605.24 |
| 4.95% | S/ 4,717.11 | S/ 9,491.54 | S/ 14,323.98 | S/ 19,215.15 | S/ 407,411.15 |
| 4.75% | S/ 4,529.79 | S/ 9,112.44 | S/ 13,748.56 | S/ 18,438.78 | S/ 406,634.78 |
| 4.55% | S/ 4,342.20 | S/ 8,732.98 | S/ 13,172.86 | S/ 17,662.41 | S/ 405,858.41 |
| 4.50% | S/ 4,295.26 | S/ 8,638.05 | S/ 13,028.90 | S/ 17,468.32 | S/ 405,664.32 |
| 4.40% | S/ 4,201.34 | S/ 8,448.14 | S/ 12,740.91 | S/ 17,080.14 | S/ 405,276.14 |
| 4.30% | S/ 4,107.34 | S/ 8,258.14 | S/ 12,452.85 | S/ 16,691.95 | S/ 404,887.95 |
| 4.25% | S/ 4,060.32 | S/ 8,163.10 | S/ 12,308.80 | S/ 16,497.86 | S/ 404,693.86 |
| 4.20% | S/ 4,013.28 | S/ 8,068.04 | S/ 12,164.73 | S/ 16,303.77 | S/ 404,499.77 |
| 4.15% | S/ 3,966.22 | S/ 7,972.96 | S/ 12,020.64 | S/ 16,109.67 | S/ 404,305.67 |
| 4.00% | S/ 3,824.95 | S/ 7,687.58 | S/ 11,588.27 | S/ 15,527.40 | S/ 403,723.40 |
| 3.90% | S/ 3,730.68 | S/ 7,497.21 | S/ 11,299.94 | S/ 15,139.21 | S/ 403,335.21 |
| 3.75% | S/ 3,589.15 | S/ 7,211.48 | S/ 10,867.31 | S/ 14,556.93 | S/ 402,752.93 |
| 3.50% | S/ 3,352.93 | S/ 6,734.82 | S/ 10,145.91 | S/ 13,586.47 | S/ 401,782.47 |
| 3.00% | S/ 2,879.20 | S/ 5,779.75 | S/ 8,701.81 | S/ 11,645.55 | S/ 399,841.55 |
| 2.75% | S/ 2,641.68 | S/ 5,301.34 | S/ 7,979.10 | S/ 10,675.09 | S/ 398,871.09 |
| 2.50% | S/ 2,403.74 | S/ 4,822.36 | S/ 7,255.96 | S/ 9,704.62 | S/ 397,900.62 |
| 2.00% | S/ 1,926.54 | S/ 3,862.63 | S/ 5,808.34 | S/ 7,763.70 | S/ 395,959.70 |
| 1.35% | S/ 1,303.54 | S/ 2,611.47 | S/ 3,923.78 | S/ 5,240.50 | S/ 393,436.50 |
| 1.00% | S/ 966.84 | S/ 1,936.10 | S/ 2,907.76 | S/ 3,881.85 | S/ 392,077.85 |
| 0.10% | S/ 97.01 | S/ 194.04 | S/ 291.10 | S/ 388.19 | S/ 388,584.19 |
Sobre los datos
-
Para S/ 388,196 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 388,196 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
-
En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
-
Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.