Cálculo de intereses
Ahorrando S/ 395,288
Veamos que pasaría si Usted ahorrara 395,288 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/ 395,288.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,515.78 | S/ 9,083.15 | S/ 13,702.70 | S/ 18,375.02 | S/ 413,663.02 |
| 8.50% | S/ 8,144.44 | S/ 16,456.69 | S/ 24,940.20 | S/ 33,598.50 | S/ 428,886.50 |
| 8.00% | S/ 7,678.86 | S/ 15,506.90 | S/ 23,487.00 | S/ 31,622.12 | S/ 426,910.12 |
| 7.10% | S/ 6,836.74 | S/ 13,791.72 | S/ 20,866.99 | S/ 28,064.63 | S/ 423,352.63 |
| 7.00% | S/ 6,742.84 | S/ 13,600.70 | S/ 20,575.54 | S/ 27,669.36 | S/ 422,957.36 |
| 6.50% | S/ 6,272.37 | S/ 12,644.26 | S/ 19,117.26 | S/ 25,692.98 | S/ 420,980.98 |
| 6.10% | S/ 5,894.79 | S/ 11,877.49 | S/ 17,949.41 | S/ 24,111.87 | S/ 419,399.87 |
| 6.20% | S/ 5,989.29 | S/ 12,069.32 | S/ 18,241.47 | S/ 24,507.15 | S/ 419,795.15 |
| 5.90% | S/ 5,705.60 | S/ 11,493.56 | S/ 17,365.07 | S/ 23,321.32 | S/ 418,609.32 |
| 5.75% | S/ 5,563.54 | S/ 11,205.38 | S/ 16,926.63 | S/ 22,728.41 | S/ 418,016.41 |
| 5.70% | S/ 5,516.15 | S/ 11,109.27 | S/ 16,780.45 | S/ 22,530.77 | S/ 417,818.77 |
| 5.65% | S/ 5,468.74 | S/ 11,013.15 | S/ 16,634.25 | S/ 22,333.13 | S/ 417,621.13 |
| 5.60% | S/ 5,421.32 | S/ 10,916.99 | S/ 16,488.04 | S/ 22,135.49 | S/ 417,423.49 |
| 5.50% | S/ 5,326.42 | S/ 10,724.62 | S/ 16,195.56 | S/ 21,740.21 | S/ 417,028.21 |
| 5.30% | S/ 5,136.43 | S/ 10,339.60 | S/ 15,610.39 | S/ 20,949.66 | S/ 416,237.66 |
| 5.25% | S/ 5,088.89 | S/ 10,243.29 | S/ 15,464.05 | S/ 20,752.02 | S/ 416,040.02 |
| 5.05% | S/ 4,898.56 | S/ 9,857.82 | S/ 14,878.53 | S/ 19,961.47 | S/ 415,249.47 |
| 5.00% | S/ 4,850.93 | S/ 9,761.39 | S/ 14,732.11 | S/ 19,763.83 | S/ 415,051.83 |
| 4.95% | S/ 4,803.29 | S/ 9,664.94 | S/ 14,585.67 | S/ 19,566.19 | S/ 414,854.19 |
| 4.75% | S/ 4,612.55 | S/ 9,278.92 | S/ 13,999.74 | S/ 18,775.64 | S/ 414,063.64 |
| 4.55% | S/ 4,421.53 | S/ 8,892.52 | S/ 13,413.52 | S/ 17,985.09 | S/ 413,273.09 |
| 4.50% | S/ 4,373.73 | S/ 8,795.86 | S/ 13,266.92 | S/ 17,787.45 | S/ 413,075.45 |
| 4.40% | S/ 4,278.09 | S/ 8,602.48 | S/ 12,973.67 | S/ 17,392.17 | S/ 412,680.17 |
| 4.30% | S/ 4,182.38 | S/ 8,409.01 | S/ 12,680.36 | S/ 16,996.90 | S/ 412,284.90 |
| 4.25% | S/ 4,134.49 | S/ 8,312.23 | S/ 12,533.67 | S/ 16,799.26 | S/ 412,087.26 |
| 4.20% | S/ 4,086.59 | S/ 8,215.44 | S/ 12,386.97 | S/ 16,601.62 | S/ 411,889.62 |
| 4.15% | S/ 4,038.68 | S/ 8,118.62 | S/ 12,240.25 | S/ 16,403.98 | S/ 411,691.98 |
| 4.00% | S/ 3,894.82 | S/ 7,828.02 | S/ 11,799.98 | S/ 15,811.07 | S/ 411,099.07 |
| 3.90% | S/ 3,798.83 | S/ 7,634.18 | S/ 11,506.38 | S/ 15,415.79 | S/ 410,703.79 |
| 3.75% | S/ 3,654.72 | S/ 7,343.23 | S/ 11,065.85 | S/ 14,822.88 | S/ 410,110.88 |
| 3.50% | S/ 3,414.18 | S/ 6,857.85 | S/ 10,331.27 | S/ 13,834.69 | S/ 409,122.69 |
| 3.00% | S/ 2,931.80 | S/ 5,885.34 | S/ 8,860.79 | S/ 11,858.30 | S/ 407,146.30 |
| 2.75% | S/ 2,689.95 | S/ 5,398.20 | S/ 8,124.88 | S/ 10,870.11 | S/ 406,158.11 |
| 2.50% | S/ 2,447.65 | S/ 4,910.46 | S/ 7,388.52 | S/ 9,881.92 | S/ 405,169.92 |
| 2.00% | S/ 1,961.73 | S/ 3,933.20 | S/ 5,914.45 | S/ 7,905.54 | S/ 403,193.54 |
| 1.35% | S/ 1,327.36 | S/ 2,659.17 | S/ 3,995.46 | S/ 5,336.24 | S/ 400,624.24 |
| 1.00% | S/ 984.51 | S/ 1,971.47 | S/ 2,960.89 | S/ 3,952.77 | S/ 399,240.77 |
| 0.10% | S/ 98.78 | S/ 197.59 | S/ 296.42 | S/ 395.28 | S/ 395,683.28 |
Sobre los datos
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Para S/ 395,288 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/ 395,288 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.