Cálculo de intereses
Ahorrando S/ 400,309
Veamos que pasaría si Usted ahorrara 400,309 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/ 400,309.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,573.14 | S/ 9,198.53 | S/ 13,876.76 | S/ 18,608.43 | S/ 418,917.43 |
| 8.50% | S/ 8,247.89 | S/ 16,665.72 | S/ 25,256.99 | S/ 34,025.27 | S/ 434,334.27 |
| 8.00% | S/ 7,776.40 | S/ 15,703.87 | S/ 23,785.33 | S/ 32,023.79 | S/ 432,332.79 |
| 7.10% | S/ 6,923.58 | S/ 13,966.90 | S/ 21,132.05 | S/ 28,421.12 | S/ 428,730.12 |
| 7.00% | S/ 6,828.49 | S/ 13,773.46 | S/ 20,836.89 | S/ 28,020.82 | S/ 428,329.82 |
| 6.50% | S/ 6,352.04 | S/ 12,804.87 | S/ 19,360.09 | S/ 26,019.33 | S/ 426,328.33 |
| 6.10% | S/ 5,969.67 | S/ 12,028.36 | S/ 18,177.40 | S/ 24,418.14 | S/ 424,727.14 |
| 6.20% | S/ 6,065.36 | S/ 12,222.62 | S/ 18,473.18 | S/ 24,818.44 | S/ 425,127.44 |
| 5.90% | S/ 5,778.08 | S/ 11,639.56 | S/ 17,585.64 | S/ 23,617.55 | S/ 423,926.55 |
| 5.75% | S/ 5,634.21 | S/ 11,347.71 | S/ 17,141.64 | S/ 23,017.10 | S/ 423,326.10 |
| 5.70% | S/ 5,586.22 | S/ 11,250.39 | S/ 16,993.60 | S/ 22,816.96 | S/ 423,125.96 |
| 5.65% | S/ 5,538.21 | S/ 11,153.04 | S/ 16,845.54 | S/ 22,616.81 | S/ 422,925.81 |
| 5.60% | S/ 5,490.18 | S/ 11,055.66 | S/ 16,697.47 | S/ 22,416.66 | S/ 422,725.66 |
| 5.50% | S/ 5,394.08 | S/ 10,860.85 | S/ 16,401.28 | S/ 22,016.36 | S/ 422,325.36 |
| 5.30% | S/ 5,201.67 | S/ 10,470.94 | S/ 15,808.67 | S/ 21,215.77 | S/ 421,524.77 |
| 5.25% | S/ 5,153.53 | S/ 10,373.40 | S/ 15,660.48 | S/ 21,015.62 | S/ 421,324.62 |
| 5.05% | S/ 4,960.78 | S/ 9,983.03 | S/ 15,067.52 | S/ 20,215.02 | S/ 420,524.02 |
| 5.00% | S/ 4,912.55 | S/ 9,885.38 | S/ 14,919.24 | S/ 20,014.88 | S/ 420,323.88 |
| 4.95% | S/ 4,864.30 | S/ 9,787.71 | S/ 14,770.94 | S/ 19,814.73 | S/ 420,123.73 |
| 4.75% | S/ 4,671.14 | S/ 9,396.78 | S/ 14,177.56 | S/ 19,014.13 | S/ 419,323.13 |
| 4.55% | S/ 4,477.69 | S/ 9,005.47 | S/ 13,583.90 | S/ 18,213.54 | S/ 418,522.54 |
| 4.50% | S/ 4,429.29 | S/ 8,907.59 | S/ 13,435.44 | S/ 18,013.39 | S/ 418,322.39 |
| 4.40% | S/ 4,332.43 | S/ 8,711.75 | S/ 13,138.47 | S/ 17,613.09 | S/ 417,922.09 |
| 4.30% | S/ 4,235.50 | S/ 8,515.82 | S/ 12,841.42 | S/ 17,212.79 | S/ 417,521.79 |
| 4.25% | S/ 4,187.01 | S/ 8,417.82 | S/ 12,692.87 | S/ 17,012.65 | S/ 417,321.65 |
| 4.20% | S/ 4,138.50 | S/ 8,319.79 | S/ 12,544.31 | S/ 16,812.50 | S/ 417,121.50 |
| 4.15% | S/ 4,089.98 | S/ 8,221.74 | S/ 12,395.72 | S/ 16,612.35 | S/ 416,921.35 |
| 4.00% | S/ 3,944.30 | S/ 7,927.46 | S/ 11,949.86 | S/ 16,011.90 | S/ 416,320.90 |
| 3.90% | S/ 3,847.09 | S/ 7,731.15 | S/ 11,652.53 | S/ 15,611.61 | S/ 415,920.61 |
| 3.75% | S/ 3,701.14 | S/ 7,436.51 | S/ 11,206.41 | S/ 15,011.16 | S/ 415,320.16 |
| 3.50% | S/ 3,457.55 | S/ 6,944.96 | S/ 10,462.50 | S/ 14,010.42 | S/ 414,319.42 |
| 3.00% | S/ 2,969.04 | S/ 5,960.10 | S/ 8,973.34 | S/ 12,008.93 | S/ 412,317.93 |
| 2.75% | S/ 2,724.11 | S/ 5,466.76 | S/ 8,228.08 | S/ 11,008.19 | S/ 411,317.19 |
| 2.50% | S/ 2,478.74 | S/ 4,972.83 | S/ 7,482.37 | S/ 10,007.44 | S/ 410,316.44 |
| 2.00% | S/ 1,986.65 | S/ 3,983.16 | S/ 5,989.58 | S/ 8,005.95 | S/ 408,314.95 |
| 1.35% | S/ 1,344.22 | S/ 2,692.95 | S/ 4,046.21 | S/ 5,404.02 | S/ 405,713.02 |
| 1.00% | S/ 997.01 | S/ 1,996.51 | S/ 2,998.50 | S/ 4,002.98 | S/ 404,311.98 |
| 0.10% | S/ 100.04 | S/ 200.10 | S/ 300.19 | S/ 400.30 | S/ 400,709.30 |
Sobre los datos
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Para S/ 400,309 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/ 400,309 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.