Cálculo de intereses
Ahorrando S/ 389,330
Veamos que pasaría si Usted ahorrara 389,330 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/ 389,330.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,447.72 | S/ 8,946.25 | S/ 13,496.17 | S/ 18,098.07 | S/ 407,428.07 |
| 8.50% | S/ 8,021.68 | S/ 16,208.64 | S/ 24,564.28 | S/ 33,092.09 | S/ 422,422.09 |
| 8.00% | S/ 7,563.12 | S/ 15,273.17 | S/ 23,132.99 | S/ 31,145.49 | S/ 420,475.49 |
| 7.10% | S/ 6,733.69 | S/ 13,583.84 | S/ 20,552.47 | S/ 27,641.63 | S/ 416,971.63 |
| 7.00% | S/ 6,641.21 | S/ 13,395.70 | S/ 20,265.41 | S/ 27,252.31 | S/ 416,582.31 |
| 6.50% | S/ 6,177.82 | S/ 12,453.68 | S/ 18,829.12 | S/ 25,305.72 | S/ 414,635.72 |
| 6.10% | S/ 5,805.94 | S/ 11,698.47 | S/ 17,678.86 | S/ 23,748.45 | S/ 413,078.45 |
| 6.20% | S/ 5,899.01 | S/ 11,887.40 | S/ 17,966.53 | S/ 24,137.76 | S/ 413,467.76 |
| 5.90% | S/ 5,619.61 | S/ 11,320.33 | S/ 17,103.33 | S/ 22,969.81 | S/ 412,299.81 |
| 5.75% | S/ 5,479.68 | S/ 11,036.49 | S/ 16,671.50 | S/ 22,385.83 | S/ 411,715.83 |
| 5.70% | S/ 5,433.01 | S/ 10,941.83 | S/ 16,527.53 | S/ 22,191.17 | S/ 411,521.17 |
| 5.65% | S/ 5,386.32 | S/ 10,847.15 | S/ 16,383.53 | S/ 21,996.51 | S/ 411,326.51 |
| 5.60% | S/ 5,339.61 | S/ 10,752.45 | S/ 16,239.52 | S/ 21,801.85 | S/ 411,131.85 |
| 5.50% | S/ 5,246.14 | S/ 10,562.97 | S/ 15,951.45 | S/ 21,412.53 | S/ 410,742.53 |
| 5.30% | S/ 5,059.01 | S/ 10,183.76 | S/ 15,375.10 | S/ 20,633.90 | S/ 409,963.90 |
| 5.25% | S/ 5,012.19 | S/ 10,088.90 | S/ 15,230.97 | S/ 20,439.24 | S/ 409,769.24 |
| 5.05% | S/ 4,824.72 | S/ 9,709.23 | S/ 14,654.28 | S/ 19,660.60 | S/ 408,990.60 |
| 5.00% | S/ 4,777.81 | S/ 9,614.26 | S/ 14,510.06 | S/ 19,465.94 | S/ 408,795.94 |
| 4.95% | S/ 4,730.89 | S/ 9,519.27 | S/ 14,365.83 | S/ 19,271.28 | S/ 408,601.28 |
| 4.75% | S/ 4,543.02 | S/ 9,139.06 | S/ 13,788.72 | S/ 18,492.65 | S/ 407,822.65 |
| 4.55% | S/ 4,354.89 | S/ 8,758.49 | S/ 13,211.34 | S/ 17,714.01 | S/ 407,044.01 |
| 4.50% | S/ 4,307.81 | S/ 8,663.29 | S/ 13,066.96 | S/ 17,519.35 | S/ 406,849.35 |
| 4.40% | S/ 4,213.61 | S/ 8,472.82 | S/ 12,778.13 | S/ 17,130.03 | S/ 406,460.03 |
| 4.30% | S/ 4,119.34 | S/ 8,282.26 | S/ 12,489.23 | S/ 16,740.71 | S/ 406,070.71 |
| 4.25% | S/ 4,072.18 | S/ 8,186.95 | S/ 12,344.76 | S/ 16,546.05 | S/ 405,876.05 |
| 4.20% | S/ 4,025.00 | S/ 8,091.61 | S/ 12,200.26 | S/ 16,351.39 | S/ 405,681.39 |
| 4.15% | S/ 3,977.80 | S/ 7,996.25 | S/ 12,055.75 | S/ 16,156.73 | S/ 405,486.73 |
| 4.00% | S/ 3,836.12 | S/ 7,710.04 | S/ 11,622.12 | S/ 15,572.76 | S/ 404,902.76 |
| 3.90% | S/ 3,741.58 | S/ 7,519.11 | S/ 11,332.95 | S/ 15,183.44 | S/ 404,513.44 |
| 3.75% | S/ 3,599.63 | S/ 7,232.55 | S/ 10,899.05 | S/ 14,599.46 | S/ 403,929.46 |
| 3.50% | S/ 3,362.72 | S/ 6,754.49 | S/ 10,175.55 | S/ 13,626.16 | S/ 402,956.16 |
| 3.00% | S/ 2,887.61 | S/ 5,796.63 | S/ 8,727.23 | S/ 11,679.57 | S/ 401,009.57 |
| 2.75% | S/ 2,649.40 | S/ 5,316.83 | S/ 8,002.41 | S/ 10,706.27 | S/ 400,036.27 |
| 2.50% | S/ 2,410.76 | S/ 4,836.45 | S/ 7,277.15 | S/ 9,732.97 | S/ 399,062.97 |
| 2.00% | S/ 1,932.16 | S/ 3,873.92 | S/ 5,825.31 | S/ 7,786.38 | S/ 397,116.38 |
| 1.35% | S/ 1,307.35 | S/ 2,619.09 | S/ 3,935.24 | S/ 5,255.81 | S/ 394,585.81 |
| 1.00% | S/ 969.67 | S/ 1,941.75 | S/ 2,916.26 | S/ 3,893.19 | S/ 393,223.19 |
| 0.10% | S/ 97.29 | S/ 194.61 | S/ 291.95 | S/ 389.32 | S/ 389,719.32 |
Sobre los datos
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Para S/ 389,330 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/ 389,330 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.