Cálculo de intereses
Ahorrando S/ 397,052
Veamos que pasaría si Usted ahorrara 397,052 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/ 397,052.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,535.93 | S/ 9,123.69 | S/ 13,763.85 | S/ 18,457.02 | S/ 415,509.02 |
| 8.50% | S/ 8,180.79 | S/ 16,530.13 | S/ 25,051.49 | S/ 33,748.44 | S/ 430,800.44 |
| 8.00% | S/ 7,713.13 | S/ 15,576.10 | S/ 23,591.81 | S/ 31,763.24 | S/ 428,815.24 |
| 7.10% | S/ 6,867.25 | S/ 13,853.27 | S/ 20,960.11 | S/ 28,189.88 | S/ 425,241.88 |
| 7.00% | S/ 6,772.93 | S/ 13,661.39 | S/ 20,667.36 | S/ 27,792.84 | S/ 424,844.84 |
| 6.50% | S/ 6,300.36 | S/ 12,700.69 | S/ 19,202.57 | S/ 25,807.63 | S/ 422,859.63 |
| 6.10% | S/ 5,921.10 | S/ 11,930.49 | S/ 18,029.51 | S/ 24,219.47 | S/ 421,271.47 |
| 6.20% | S/ 6,016.01 | S/ 12,123.18 | S/ 18,322.88 | S/ 24,616.51 | S/ 421,668.51 |
| 5.90% | S/ 5,731.07 | S/ 11,544.85 | S/ 17,442.56 | S/ 23,425.39 | S/ 420,477.39 |
| 5.75% | S/ 5,588.37 | S/ 11,255.39 | S/ 17,002.17 | S/ 22,829.83 | S/ 419,881.83 |
| 5.70% | S/ 5,540.77 | S/ 11,158.85 | S/ 16,855.34 | S/ 22,631.31 | S/ 419,683.31 |
| 5.65% | S/ 5,493.15 | S/ 11,062.29 | S/ 16,708.49 | S/ 22,432.79 | S/ 419,484.79 |
| 5.60% | S/ 5,445.51 | S/ 10,965.71 | S/ 16,561.62 | S/ 22,234.27 | S/ 419,286.27 |
| 5.50% | S/ 5,350.19 | S/ 10,772.48 | S/ 16,267.83 | S/ 21,837.23 | S/ 418,889.23 |
| 5.30% | S/ 5,159.35 | S/ 10,385.75 | S/ 15,680.05 | S/ 21,043.15 | S/ 418,095.15 |
| 5.25% | S/ 5,111.60 | S/ 10,289.00 | S/ 15,533.06 | S/ 20,844.63 | S/ 417,896.63 |
| 5.05% | S/ 4,920.42 | S/ 9,901.81 | S/ 14,944.93 | S/ 20,050.55 | S/ 417,102.55 |
| 5.00% | S/ 4,872.58 | S/ 9,804.95 | S/ 14,797.85 | S/ 19,852.03 | S/ 416,904.03 |
| 4.95% | S/ 4,824.72 | S/ 9,708.07 | S/ 14,650.76 | S/ 19,653.51 | S/ 416,705.51 |
| 4.75% | S/ 4,633.13 | S/ 9,320.32 | S/ 14,062.21 | S/ 18,859.43 | S/ 415,911.43 |
| 4.55% | S/ 4,441.26 | S/ 8,932.20 | S/ 13,473.38 | S/ 18,065.35 | S/ 415,117.35 |
| 4.50% | S/ 4,393.25 | S/ 8,835.12 | S/ 13,326.13 | S/ 17,866.83 | S/ 414,918.83 |
| 4.40% | S/ 4,297.18 | S/ 8,640.87 | S/ 13,031.57 | S/ 17,469.79 | S/ 414,521.79 |
| 4.30% | S/ 4,201.04 | S/ 8,446.53 | S/ 12,736.94 | S/ 17,072.75 | S/ 414,124.75 |
| 4.25% | S/ 4,152.95 | S/ 8,349.33 | S/ 12,589.60 | S/ 16,874.23 | S/ 413,926.23 |
| 4.20% | S/ 4,104.83 | S/ 8,252.10 | S/ 12,442.24 | S/ 16,675.71 | S/ 413,727.71 |
| 4.15% | S/ 4,056.70 | S/ 8,154.85 | S/ 12,294.87 | S/ 16,477.19 | S/ 413,529.19 |
| 4.00% | S/ 3,912.20 | S/ 7,862.96 | S/ 11,852.64 | S/ 15,881.63 | S/ 412,933.63 |
| 3.90% | S/ 3,815.79 | S/ 7,668.24 | S/ 11,557.73 | S/ 15,484.59 | S/ 412,536.59 |
| 3.75% | S/ 3,671.03 | S/ 7,376.00 | S/ 11,115.23 | S/ 14,889.03 | S/ 411,941.03 |
| 3.50% | S/ 3,429.42 | S/ 6,888.46 | S/ 10,377.37 | S/ 13,896.42 | S/ 410,948.42 |
| 3.00% | S/ 2,944.88 | S/ 5,911.60 | S/ 8,900.33 | S/ 11,911.22 | S/ 408,963.22 |
| 2.75% | S/ 2,701.95 | S/ 5,422.29 | S/ 8,161.13 | S/ 10,918.62 | S/ 407,970.62 |
| 2.50% | S/ 2,458.57 | S/ 4,932.37 | S/ 7,421.49 | S/ 9,926.02 | S/ 406,978.02 |
| 2.00% | S/ 1,970.49 | S/ 3,950.75 | S/ 5,940.85 | S/ 7,940.82 | S/ 404,992.82 |
| 1.35% | S/ 1,333.28 | S/ 2,671.04 | S/ 4,013.29 | S/ 5,360.05 | S/ 402,412.05 |
| 1.00% | S/ 988.90 | S/ 1,980.27 | S/ 2,974.10 | S/ 3,970.41 | S/ 401,022.41 |
| 0.10% | S/ 99.22 | S/ 198.47 | S/ 297.74 | S/ 397.04 | S/ 397,449.04 |
Sobre los datos
-
Para S/ 397,052 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 397,052 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.