Cálculo de intereses
Ahorrando S/ 405,068
Veamos que pasaría si Usted ahorrara 405,068 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2023) 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/ 405,068.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,627.51 | S/ 9,307.88 | S/ 14,041.73 | S/ 18,829.65 | S/ 423,897.65 |
| 8.50% | S/ 8,345.95 | S/ 16,863.85 | S/ 25,557.25 | S/ 34,429.78 | S/ 439,497.78 |
| 8.00% | S/ 7,868.85 | S/ 15,890.56 | S/ 24,068.10 | S/ 32,404.50 | S/ 437,472.50 |
| 7.10% | S/ 7,005.89 | S/ 14,132.95 | S/ 21,383.27 | S/ 28,758.99 | S/ 433,826.99 |
| 7.00% | S/ 6,909.67 | S/ 13,937.20 | S/ 21,084.61 | S/ 28,353.94 | S/ 433,421.94 |
| 6.50% | S/ 6,427.55 | S/ 12,957.10 | S/ 19,590.25 | S/ 26,328.66 | S/ 431,396.66 |
| 6.10% | S/ 6,040.64 | S/ 12,171.36 | S/ 18,393.50 | S/ 24,708.44 | S/ 429,776.44 |
| 6.20% | S/ 6,137.47 | S/ 12,367.93 | S/ 18,692.79 | S/ 25,113.49 | S/ 430,181.49 |
| 5.90% | S/ 5,846.77 | S/ 11,777.93 | S/ 17,794.70 | S/ 23,898.32 | S/ 428,966.32 |
| 5.75% | S/ 5,701.19 | S/ 11,482.62 | S/ 17,345.42 | S/ 23,290.74 | S/ 428,358.74 |
| 5.70% | S/ 5,652.63 | S/ 11,384.13 | S/ 17,195.62 | S/ 23,088.21 | S/ 428,156.21 |
| 5.65% | S/ 5,604.05 | S/ 11,285.63 | S/ 17,045.81 | S/ 22,885.68 | S/ 427,953.68 |
| 5.60% | S/ 5,555.45 | S/ 11,187.10 | S/ 16,895.98 | S/ 22,683.16 | S/ 427,751.16 |
| 5.50% | S/ 5,458.21 | S/ 10,989.96 | S/ 16,596.26 | S/ 22,278.10 | S/ 427,346.10 |
| 5.30% | S/ 5,263.51 | S/ 10,595.42 | S/ 15,996.61 | S/ 21,467.99 | S/ 426,535.99 |
| 5.25% | S/ 5,214.80 | S/ 10,496.73 | S/ 15,846.66 | S/ 21,265.46 | S/ 426,333.46 |
| 5.05% | S/ 5,019.75 | S/ 10,101.71 | S/ 15,246.65 | S/ 20,455.35 | S/ 425,523.35 |
| 5.00% | S/ 4,970.95 | S/ 10,002.90 | S/ 15,096.61 | S/ 20,252.82 | S/ 425,320.82 |
| 4.95% | S/ 4,922.13 | S/ 9,904.07 | S/ 14,946.54 | S/ 20,050.29 | S/ 425,118.29 |
| 4.75% | S/ 4,726.67 | S/ 9,508.49 | S/ 14,346.11 | S/ 19,240.18 | S/ 424,308.18 |
| 4.55% | S/ 4,530.93 | S/ 9,112.53 | S/ 13,745.39 | S/ 18,430.07 | S/ 423,498.07 |
| 4.50% | S/ 4,481.95 | S/ 9,013.49 | S/ 13,595.16 | S/ 18,227.54 | S/ 423,295.54 |
| 4.40% | S/ 4,383.94 | S/ 8,815.32 | S/ 13,294.66 | S/ 17,822.48 | S/ 422,890.48 |
| 4.30% | S/ 4,285.86 | S/ 8,617.06 | S/ 12,994.09 | S/ 17,417.43 | S/ 422,485.43 |
| 4.25% | S/ 4,236.79 | S/ 8,517.89 | S/ 12,843.77 | S/ 17,214.90 | S/ 422,282.90 |
| 4.20% | S/ 4,187.70 | S/ 8,418.70 | S/ 12,693.44 | S/ 17,012.37 | S/ 422,080.37 |
| 4.15% | S/ 4,138.60 | S/ 8,319.49 | S/ 12,543.09 | S/ 16,809.84 | S/ 421,877.84 |
| 4.00% | S/ 3,991.19 | S/ 8,021.70 | S/ 12,091.93 | S/ 16,202.26 | S/ 421,270.26 |
| 3.90% | S/ 3,892.82 | S/ 7,823.06 | S/ 11,791.06 | S/ 15,797.20 | S/ 420,865.20 |
| 3.75% | S/ 3,745.14 | S/ 7,524.91 | S/ 11,339.63 | S/ 15,189.62 | S/ 420,257.62 |
| 3.50% | S/ 3,498.65 | S/ 7,027.53 | S/ 10,586.88 | S/ 14,176.98 | S/ 419,244.98 |
| 3.00% | S/ 3,004.33 | S/ 6,030.95 | S/ 9,080.02 | S/ 12,151.69 | S/ 417,219.69 |
| 2.75% | S/ 2,756.50 | S/ 5,531.76 | S/ 8,325.90 | S/ 11,139.05 | S/ 416,207.05 |
| 2.50% | S/ 2,508.21 | S/ 5,031.95 | S/ 7,571.32 | S/ 10,126.41 | S/ 415,194.41 |
| 2.00% | S/ 2,010.27 | S/ 4,030.51 | S/ 6,060.78 | S/ 8,101.13 | S/ 413,169.13 |
| 1.35% | S/ 1,360.20 | S/ 2,724.97 | S/ 4,094.32 | S/ 5,468.26 | S/ 410,536.26 |
| 1.00% | S/ 1,008.87 | S/ 2,020.25 | S/ 3,034.14 | S/ 4,050.57 | S/ 409,118.57 |
| 0.10% | S/ 101.23 | S/ 202.48 | S/ 303.75 | S/ 405.06 | S/ 405,473.06 |
Sobre los datos
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Para S/ 405,068 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/ 405,068 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.