Cálculo de intereses
Ahorrando S/ 402,836
Veamos que pasaría si Usted ahorrara 402,836 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/ 402,836.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,602.01 | S/ 9,256.60 | S/ 13,964.35 | S/ 18,725.89 | S/ 421,561.89 |
| 8.50% | S/ 8,299.96 | S/ 16,770.93 | S/ 25,416.43 | S/ 34,240.06 | S/ 437,076.06 |
| 8.00% | S/ 7,825.49 | S/ 15,803.00 | S/ 23,935.48 | S/ 32,225.94 | S/ 435,061.94 |
| 7.10% | S/ 6,967.28 | S/ 14,055.07 | S/ 21,265.45 | S/ 28,600.53 | S/ 431,436.53 |
| 7.00% | S/ 6,871.59 | S/ 13,860.40 | S/ 20,968.43 | S/ 28,197.70 | S/ 431,033.70 |
| 6.50% | S/ 6,392.14 | S/ 12,885.70 | S/ 19,482.31 | S/ 26,183.58 | S/ 429,019.58 |
| 6.10% | S/ 6,007.35 | S/ 12,104.29 | S/ 18,292.15 | S/ 24,572.29 | S/ 427,408.29 |
| 6.20% | S/ 6,103.65 | S/ 12,299.78 | S/ 18,589.79 | S/ 24,975.11 | S/ 427,811.11 |
| 5.90% | S/ 5,814.55 | S/ 11,713.03 | S/ 17,696.65 | S/ 23,766.64 | S/ 426,602.64 |
| 5.75% | S/ 5,669.77 | S/ 11,419.35 | S/ 17,249.84 | S/ 23,162.40 | S/ 425,998.40 |
| 5.70% | S/ 5,621.48 | S/ 11,321.41 | S/ 17,100.87 | S/ 22,960.99 | S/ 425,796.99 |
| 5.65% | S/ 5,573.17 | S/ 11,223.44 | S/ 16,951.88 | S/ 22,759.58 | S/ 425,595.58 |
| 5.60% | S/ 5,524.84 | S/ 11,125.45 | S/ 16,802.88 | S/ 22,558.17 | S/ 425,394.17 |
| 5.50% | S/ 5,428.13 | S/ 10,929.41 | S/ 16,504.81 | S/ 22,155.34 | S/ 424,991.34 |
| 5.30% | S/ 5,234.51 | S/ 10,537.04 | S/ 15,908.47 | S/ 21,349.69 | S/ 424,185.69 |
| 5.25% | S/ 5,186.06 | S/ 10,438.89 | S/ 15,759.34 | S/ 21,148.28 | S/ 423,984.28 |
| 5.05% | S/ 4,992.09 | S/ 10,046.05 | S/ 15,162.64 | S/ 20,342.63 | S/ 423,178.63 |
| 5.00% | S/ 4,943.56 | S/ 9,947.78 | S/ 15,013.42 | S/ 20,141.22 | S/ 422,977.22 |
| 4.95% | S/ 4,895.01 | S/ 9,849.49 | S/ 14,864.18 | S/ 19,939.81 | S/ 422,775.81 |
| 4.75% | S/ 4,700.62 | S/ 9,456.10 | S/ 14,267.06 | S/ 19,134.16 | S/ 421,970.16 |
| 4.55% | S/ 4,505.96 | S/ 9,062.32 | S/ 13,669.65 | S/ 18,328.51 | S/ 421,164.51 |
| 4.50% | S/ 4,457.25 | S/ 8,963.82 | S/ 13,520.25 | S/ 18,127.10 | S/ 420,963.10 |
| 4.40% | S/ 4,359.78 | S/ 8,766.75 | S/ 13,221.41 | S/ 17,724.28 | S/ 420,560.28 |
| 4.30% | S/ 4,262.24 | S/ 8,569.58 | S/ 12,922.49 | S/ 17,321.45 | S/ 420,157.45 |
| 4.25% | S/ 4,213.44 | S/ 8,470.96 | S/ 12,773.00 | S/ 17,120.04 | S/ 419,956.04 |
| 4.20% | S/ 4,164.63 | S/ 8,372.31 | S/ 12,623.50 | S/ 16,918.63 | S/ 419,754.63 |
| 4.15% | S/ 4,115.80 | S/ 8,273.64 | S/ 12,473.97 | S/ 16,717.22 | S/ 419,553.22 |
| 4.00% | S/ 3,969.20 | S/ 7,977.50 | S/ 12,025.30 | S/ 16,112.98 | S/ 418,948.98 |
| 3.90% | S/ 3,871.37 | S/ 7,779.95 | S/ 11,726.09 | S/ 15,710.16 | S/ 418,546.16 |
| 3.75% | S/ 3,724.51 | S/ 7,483.45 | S/ 11,277.15 | S/ 15,105.92 | S/ 417,941.92 |
| 3.50% | S/ 3,479.38 | S/ 6,988.80 | S/ 10,528.54 | S/ 14,098.86 | S/ 416,934.86 |
| 3.00% | S/ 2,987.78 | S/ 5,997.72 | S/ 9,029.98 | S/ 12,084.74 | S/ 414,920.74 |
| 2.75% | S/ 2,741.31 | S/ 5,501.27 | S/ 8,280.02 | S/ 11,077.68 | S/ 413,913.68 |
| 2.50% | S/ 2,494.39 | S/ 5,004.22 | S/ 7,529.60 | S/ 10,070.61 | S/ 412,906.61 |
| 2.00% | S/ 1,999.19 | S/ 4,008.30 | S/ 6,027.39 | S/ 8,056.49 | S/ 410,892.49 |
| 1.35% | S/ 1,352.70 | S/ 2,709.95 | S/ 4,071.76 | S/ 5,438.13 | S/ 408,274.13 |
| 1.00% | S/ 1,003.31 | S/ 2,009.11 | S/ 3,017.42 | S/ 4,028.25 | S/ 406,864.25 |
| 0.10% | S/ 100.67 | S/ 201.36 | S/ 302.08 | S/ 402.82 | S/ 403,238.82 |
Sobre los datos
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Para S/ 402,836 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/ 402,836 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.