Cálculo de intereses
Ahorrando S/ 394,938
Veamos que pasaría si Usted ahorrara 394,938 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/ 394,938.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,511.78 | S/ 9,075.11 | S/ 13,690.57 | S/ 18,358.75 | S/ 413,296.75 |
| 8.50% | S/ 8,137.23 | S/ 16,442.12 | S/ 24,918.11 | S/ 33,568.75 | S/ 428,506.75 |
| 8.00% | S/ 7,672.06 | S/ 15,493.17 | S/ 23,466.20 | S/ 31,594.12 | S/ 426,532.12 |
| 7.10% | S/ 6,830.68 | S/ 13,779.51 | S/ 20,848.52 | S/ 28,039.79 | S/ 422,977.79 |
| 7.00% | S/ 6,736.87 | S/ 13,588.66 | S/ 20,557.32 | S/ 27,644.86 | S/ 422,582.86 |
| 6.50% | S/ 6,266.81 | S/ 12,633.06 | S/ 19,100.34 | S/ 25,670.23 | S/ 420,608.23 |
| 6.10% | S/ 5,889.57 | S/ 11,866.97 | S/ 17,933.51 | S/ 24,090.52 | S/ 419,028.52 |
| 6.20% | S/ 5,983.98 | S/ 12,058.63 | S/ 18,225.32 | S/ 24,485.45 | S/ 419,423.45 |
| 5.90% | S/ 5,700.55 | S/ 11,483.39 | S/ 17,349.69 | S/ 23,300.67 | S/ 418,238.67 |
| 5.75% | S/ 5,558.61 | S/ 11,195.46 | S/ 16,911.64 | S/ 22,708.28 | S/ 417,646.28 |
| 5.70% | S/ 5,511.26 | S/ 11,099.44 | S/ 16,765.59 | S/ 22,510.82 | S/ 417,448.82 |
| 5.65% | S/ 5,463.90 | S/ 11,003.39 | S/ 16,619.53 | S/ 22,313.35 | S/ 417,251.35 |
| 5.60% | S/ 5,416.52 | S/ 10,907.33 | S/ 16,473.44 | S/ 22,115.89 | S/ 417,053.89 |
| 5.50% | S/ 5,321.71 | S/ 10,715.13 | S/ 16,181.22 | S/ 21,720.97 | S/ 416,658.97 |
| 5.30% | S/ 5,131.88 | S/ 10,330.45 | S/ 15,596.57 | S/ 20,931.11 | S/ 415,869.11 |
| 5.25% | S/ 5,084.38 | S/ 10,234.22 | S/ 15,450.36 | S/ 20,733.65 | S/ 415,671.65 |
| 5.05% | S/ 4,894.22 | S/ 9,849.09 | S/ 14,865.36 | S/ 19,943.80 | S/ 414,881.80 |
| 5.00% | S/ 4,846.64 | S/ 9,752.75 | S/ 14,719.07 | S/ 19,746.33 | S/ 414,684.33 |
| 4.95% | S/ 4,799.03 | S/ 9,656.38 | S/ 14,572.76 | S/ 19,548.87 | S/ 414,486.87 |
| 4.75% | S/ 4,608.46 | S/ 9,270.70 | S/ 13,987.34 | S/ 18,759.02 | S/ 413,697.02 |
| 4.55% | S/ 4,417.62 | S/ 8,884.65 | S/ 13,401.64 | S/ 17,969.16 | S/ 412,907.16 |
| 4.50% | S/ 4,369.86 | S/ 8,788.08 | S/ 13,255.17 | S/ 17,771.70 | S/ 412,709.70 |
| 4.40% | S/ 4,274.30 | S/ 8,594.86 | S/ 12,962.19 | S/ 17,376.77 | S/ 412,314.77 |
| 4.30% | S/ 4,178.67 | S/ 8,401.56 | S/ 12,669.13 | S/ 16,981.85 | S/ 411,919.85 |
| 4.25% | S/ 4,130.83 | S/ 8,304.87 | S/ 12,522.57 | S/ 16,784.39 | S/ 411,722.39 |
| 4.20% | S/ 4,082.98 | S/ 8,208.16 | S/ 12,376.00 | S/ 16,586.92 | S/ 411,524.92 |
| 4.15% | S/ 4,035.10 | S/ 8,111.43 | S/ 12,229.41 | S/ 16,389.46 | S/ 411,327.46 |
| 4.00% | S/ 3,891.38 | S/ 7,821.09 | S/ 11,789.53 | S/ 15,797.07 | S/ 410,735.07 |
| 3.90% | S/ 3,795.47 | S/ 7,627.42 | S/ 11,496.19 | S/ 15,402.14 | S/ 410,340.14 |
| 3.75% | S/ 3,651.48 | S/ 7,336.73 | S/ 11,056.05 | S/ 14,809.75 | S/ 409,747.75 |
| 3.50% | S/ 3,411.16 | S/ 6,851.78 | S/ 10,322.12 | S/ 13,822.44 | S/ 408,760.44 |
| 3.00% | S/ 2,929.20 | S/ 5,880.13 | S/ 8,852.94 | S/ 11,847.80 | S/ 406,785.80 |
| 2.75% | S/ 2,687.56 | S/ 5,393.42 | S/ 8,117.68 | S/ 10,860.49 | S/ 405,798.49 |
| 2.50% | S/ 2,445.48 | S/ 4,906.11 | S/ 7,381.98 | S/ 9,873.17 | S/ 404,811.17 |
| 2.00% | S/ 1,960.00 | S/ 3,929.72 | S/ 5,909.22 | S/ 7,898.54 | S/ 402,836.54 |
| 1.35% | S/ 1,326.18 | S/ 2,656.82 | S/ 3,991.92 | S/ 5,331.51 | S/ 400,269.51 |
| 1.00% | S/ 983.64 | S/ 1,969.72 | S/ 2,958.26 | S/ 3,949.27 | S/ 398,887.27 |
| 0.10% | S/ 98.69 | S/ 197.41 | S/ 296.16 | S/ 394.93 | S/ 395,332.93 |
Sobre los datos
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Para S/ 394,938 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/ 394,938 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.