Cálculo de intereses
Ahorrando S/ 397,342
Veamos que pasaría si Usted ahorrara 397,342 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/ 397,342.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,539.25 | S/ 9,130.35 | S/ 13,773.90 | S/ 18,470.50 | S/ 415,812.50 |
| 8.50% | S/ 8,186.76 | S/ 16,542.20 | S/ 25,069.79 | S/ 33,773.09 | S/ 431,115.09 |
| 8.00% | S/ 7,718.76 | S/ 15,587.47 | S/ 23,609.04 | S/ 31,786.44 | S/ 429,128.44 |
| 7.10% | S/ 6,872.26 | S/ 13,863.38 | S/ 20,975.42 | S/ 28,210.46 | S/ 425,552.46 |
| 7.00% | S/ 6,777.88 | S/ 13,671.37 | S/ 20,682.46 | S/ 27,813.13 | S/ 425,155.13 |
| 6.50% | S/ 6,304.96 | S/ 12,709.96 | S/ 19,216.60 | S/ 25,826.48 | S/ 423,168.48 |
| 6.10% | S/ 5,925.42 | S/ 11,939.21 | S/ 18,042.68 | S/ 24,237.16 | S/ 421,579.16 |
| 6.20% | S/ 6,020.41 | S/ 12,132.03 | S/ 18,336.26 | S/ 24,634.49 | S/ 421,976.49 |
| 5.90% | S/ 5,735.25 | S/ 11,553.29 | S/ 17,455.30 | S/ 23,442.50 | S/ 420,784.50 |
| 5.75% | S/ 5,592.45 | S/ 11,263.61 | S/ 17,014.59 | S/ 22,846.51 | S/ 420,188.51 |
| 5.70% | S/ 5,544.81 | S/ 11,167.00 | S/ 16,867.65 | S/ 22,647.84 | S/ 419,989.84 |
| 5.65% | S/ 5,497.16 | S/ 11,070.37 | S/ 16,720.69 | S/ 22,449.18 | S/ 419,791.18 |
| 5.60% | S/ 5,449.49 | S/ 10,973.72 | S/ 16,573.71 | S/ 22,250.51 | S/ 419,592.51 |
| 5.50% | S/ 5,354.10 | S/ 10,780.35 | S/ 16,279.71 | S/ 21,853.18 | S/ 419,195.18 |
| 5.30% | S/ 5,163.12 | S/ 10,393.33 | S/ 15,691.50 | S/ 21,058.52 | S/ 418,400.52 |
| 5.25% | S/ 5,115.33 | S/ 10,296.52 | S/ 15,544.41 | S/ 20,859.86 | S/ 418,201.86 |
| 5.05% | S/ 4,924.01 | S/ 9,909.04 | S/ 14,955.85 | S/ 20,065.20 | S/ 417,407.20 |
| 5.00% | S/ 4,876.14 | S/ 9,812.11 | S/ 14,808.66 | S/ 19,866.53 | S/ 417,208.53 |
| 4.95% | S/ 4,828.25 | S/ 9,715.16 | S/ 14,661.46 | S/ 19,667.86 | S/ 417,009.86 |
| 4.75% | S/ 4,636.51 | S/ 9,327.13 | S/ 14,072.48 | S/ 18,873.20 | S/ 416,215.20 |
| 4.55% | S/ 4,444.51 | S/ 8,938.73 | S/ 13,483.22 | S/ 18,078.54 | S/ 415,420.54 |
| 4.50% | S/ 4,396.46 | S/ 8,841.57 | S/ 13,335.86 | S/ 17,879.88 | S/ 415,221.88 |
| 4.40% | S/ 4,300.32 | S/ 8,647.18 | S/ 13,041.09 | S/ 17,482.55 | S/ 414,824.55 |
| 4.30% | S/ 4,204.11 | S/ 8,452.70 | S/ 12,746.25 | S/ 17,085.22 | S/ 414,427.22 |
| 4.25% | S/ 4,155.98 | S/ 8,355.43 | S/ 12,598.80 | S/ 16,886.55 | S/ 414,228.55 |
| 4.20% | S/ 4,107.83 | S/ 8,258.13 | S/ 12,451.33 | S/ 16,687.89 | S/ 414,029.89 |
| 4.15% | S/ 4,059.66 | S/ 8,160.81 | S/ 12,303.85 | S/ 16,489.22 | S/ 413,831.22 |
| 4.00% | S/ 3,915.06 | S/ 7,868.70 | S/ 11,861.29 | S/ 15,893.23 | S/ 413,235.23 |
| 3.90% | S/ 3,818.57 | S/ 7,673.85 | S/ 11,566.17 | S/ 15,495.90 | S/ 412,837.90 |
| 3.75% | S/ 3,673.71 | S/ 7,381.39 | S/ 11,123.35 | S/ 14,899.90 | S/ 412,241.90 |
| 3.50% | S/ 3,431.92 | S/ 6,893.49 | S/ 10,384.95 | S/ 13,906.57 | S/ 411,248.57 |
| 3.00% | S/ 2,947.03 | S/ 5,915.92 | S/ 8,906.83 | S/ 11,919.92 | S/ 409,261.92 |
| 2.75% | S/ 2,703.92 | S/ 5,426.25 | S/ 8,167.09 | S/ 10,926.59 | S/ 408,268.59 |
| 2.50% | S/ 2,460.37 | S/ 4,935.98 | S/ 7,426.91 | S/ 9,933.27 | S/ 407,275.27 |
| 2.00% | S/ 1,971.93 | S/ 3,953.64 | S/ 5,945.18 | S/ 7,946.62 | S/ 405,288.62 |
| 1.35% | S/ 1,334.26 | S/ 2,672.99 | S/ 4,016.22 | S/ 5,363.97 | S/ 402,705.97 |
| 1.00% | S/ 989.62 | S/ 1,981.71 | S/ 2,976.27 | S/ 3,973.31 | S/ 401,315.31 |
| 0.10% | S/ 99.30 | S/ 198.62 | S/ 297.96 | S/ 397.33 | S/ 397,739.33 |
Sobre los datos
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Para S/ 397,342 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/ 397,342 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.