Cálculo de intereses
Ahorrando S/ 398,678
Veamos que pasaría si Usted ahorrara 398,678 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/ 398,678.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,554.51 | S/ 9,161.05 | S/ 13,820.22 | S/ 18,532.61 | S/ 417,210.61 |
| 8.50% | S/ 8,214.29 | S/ 16,597.82 | S/ 25,154.08 | S/ 33,886.64 | S/ 432,564.64 |
| 8.00% | S/ 7,744.72 | S/ 15,639.88 | S/ 23,688.42 | S/ 31,893.31 | S/ 430,571.31 |
| 7.10% | S/ 6,895.37 | S/ 13,910.00 | S/ 21,045.95 | S/ 28,305.32 | S/ 426,983.32 |
| 7.00% | S/ 6,800.67 | S/ 13,717.34 | S/ 20,752.00 | S/ 27,906.65 | S/ 426,584.65 |
| 6.50% | S/ 6,326.16 | S/ 12,752.70 | S/ 19,281.21 | S/ 25,913.32 | S/ 424,591.32 |
| 6.10% | S/ 5,945.35 | S/ 11,979.35 | S/ 18,103.34 | S/ 24,318.66 | S/ 422,996.66 |
| 6.20% | S/ 6,040.65 | S/ 12,172.83 | S/ 18,397.91 | S/ 24,717.32 | S/ 423,395.32 |
| 5.90% | S/ 5,754.54 | S/ 11,592.13 | S/ 17,513.99 | S/ 23,521.32 | S/ 422,199.32 |
| 5.75% | S/ 5,611.25 | S/ 11,301.48 | S/ 17,071.79 | S/ 22,923.33 | S/ 421,601.33 |
| 5.70% | S/ 5,563.46 | S/ 11,204.55 | S/ 16,924.36 | S/ 22,723.99 | S/ 421,401.99 |
| 5.65% | S/ 5,515.64 | S/ 11,107.59 | S/ 16,776.91 | S/ 22,524.66 | S/ 421,202.66 |
| 5.60% | S/ 5,467.81 | S/ 11,010.62 | S/ 16,629.44 | S/ 22,325.33 | S/ 421,003.33 |
| 5.50% | S/ 5,372.10 | S/ 10,816.60 | S/ 16,334.45 | S/ 21,926.66 | S/ 420,604.66 |
| 5.30% | S/ 5,180.48 | S/ 10,428.28 | S/ 15,744.26 | S/ 21,129.33 | S/ 419,807.33 |
| 5.25% | S/ 5,132.53 | S/ 10,331.14 | S/ 15,596.67 | S/ 20,929.99 | S/ 419,607.99 |
| 5.05% | S/ 4,940.57 | S/ 9,942.36 | S/ 15,006.13 | S/ 20,132.66 | S/ 418,810.66 |
| 5.00% | S/ 4,892.53 | S/ 9,845.10 | S/ 14,858.45 | S/ 19,933.33 | S/ 418,611.33 |
| 4.95% | S/ 4,844.48 | S/ 9,747.83 | S/ 14,710.76 | S/ 19,733.99 | S/ 418,411.99 |
| 4.75% | S/ 4,652.10 | S/ 9,358.49 | S/ 14,119.80 | S/ 18,936.66 | S/ 417,614.66 |
| 4.55% | S/ 4,459.45 | S/ 8,968.78 | S/ 13,528.55 | S/ 18,139.33 | S/ 416,817.33 |
| 4.50% | S/ 4,411.24 | S/ 8,871.30 | S/ 13,380.70 | S/ 17,940.00 | S/ 416,618.00 |
| 4.40% | S/ 4,314.78 | S/ 8,676.26 | S/ 13,084.94 | S/ 17,541.33 | S/ 416,219.33 |
| 4.30% | S/ 4,218.25 | S/ 8,481.12 | S/ 12,789.10 | S/ 17,142.66 | S/ 415,820.66 |
| 4.25% | S/ 4,169.95 | S/ 8,383.52 | S/ 12,641.16 | S/ 16,943.33 | S/ 415,621.33 |
| 4.20% | S/ 4,121.64 | S/ 8,285.89 | S/ 12,493.20 | S/ 16,744.00 | S/ 415,422.00 |
| 4.15% | S/ 4,073.31 | S/ 8,188.25 | S/ 12,345.22 | S/ 16,544.66 | S/ 415,222.66 |
| 4.00% | S/ 3,928.23 | S/ 7,895.16 | S/ 11,901.17 | S/ 15,946.66 | S/ 414,624.66 |
| 3.90% | S/ 3,831.41 | S/ 7,699.65 | S/ 11,605.06 | S/ 15,548.00 | S/ 414,226.00 |
| 3.75% | S/ 3,686.06 | S/ 7,406.21 | S/ 11,160.75 | S/ 14,950.00 | S/ 413,628.00 |
| 3.50% | S/ 3,443.46 | S/ 6,916.67 | S/ 10,419.87 | S/ 13,953.33 | S/ 412,631.33 |
| 3.00% | S/ 2,956.94 | S/ 5,935.81 | S/ 8,936.78 | S/ 11,960.00 | S/ 410,638.00 |
| 2.75% | S/ 2,713.01 | S/ 5,444.49 | S/ 8,194.56 | S/ 10,963.33 | S/ 409,641.33 |
| 2.50% | S/ 2,468.64 | S/ 4,952.57 | S/ 7,451.88 | S/ 9,966.67 | S/ 408,644.67 |
| 2.00% | S/ 1,978.56 | S/ 3,966.93 | S/ 5,965.17 | S/ 7,973.33 | S/ 406,651.33 |
| 1.35% | S/ 1,338.74 | S/ 2,681.98 | S/ 4,029.73 | S/ 5,382.00 | S/ 404,060.00 |
| 1.00% | S/ 992.95 | S/ 1,988.38 | S/ 2,986.28 | S/ 3,986.67 | S/ 402,664.67 |
| 0.10% | S/ 99.63 | S/ 199.28 | S/ 298.96 | S/ 398.67 | S/ 399,076.67 |
Sobre los datos
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Para S/ 398,678 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/ 398,678 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.