Cálculo de intereses
Ahorrando S/ 406,463
Veamos que pasaría si Usted ahorrara 406,463 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/ 406,463.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,643.45 | S/ 9,339.94 | S/ 14,090.08 | S/ 18,894.50 | S/ 425,357.50 |
| 8.50% | S/ 8,374.69 | S/ 16,921.93 | S/ 25,645.27 | S/ 34,548.35 | S/ 441,011.35 |
| 8.00% | S/ 7,895.95 | S/ 15,945.29 | S/ 24,150.99 | S/ 32,516.09 | S/ 438,979.09 |
| 7.10% | S/ 7,030.01 | S/ 14,181.62 | S/ 21,456.91 | S/ 28,858.04 | S/ 435,321.04 |
| 7.00% | S/ 6,933.46 | S/ 13,985.20 | S/ 21,157.22 | S/ 28,451.59 | S/ 434,914.59 |
| 6.50% | S/ 6,449.69 | S/ 13,001.72 | S/ 19,657.72 | S/ 26,419.33 | S/ 432,882.33 |
| 6.10% | S/ 6,061.44 | S/ 12,213.27 | S/ 18,456.85 | S/ 24,793.53 | S/ 431,256.53 |
| 6.20% | S/ 6,158.61 | S/ 12,410.52 | S/ 18,757.17 | S/ 25,199.98 | S/ 431,662.98 |
| 5.90% | S/ 5,866.91 | S/ 11,818.49 | S/ 17,855.99 | S/ 23,980.63 | S/ 430,443.63 |
| 5.75% | S/ 5,720.82 | S/ 11,522.16 | S/ 17,405.16 | S/ 23,370.95 | S/ 429,833.95 |
| 5.70% | S/ 5,672.09 | S/ 11,423.34 | S/ 17,254.84 | S/ 23,167.72 | S/ 429,630.72 |
| 5.65% | S/ 5,623.35 | S/ 11,324.49 | S/ 17,104.51 | S/ 22,964.50 | S/ 429,427.50 |
| 5.60% | S/ 5,574.58 | S/ 11,225.62 | S/ 16,954.16 | S/ 22,761.27 | S/ 429,224.27 |
| 5.50% | S/ 5,477.01 | S/ 11,027.81 | S/ 16,653.42 | S/ 22,354.82 | S/ 428,817.82 |
| 5.30% | S/ 5,281.64 | S/ 10,631.91 | S/ 16,051.70 | S/ 21,541.92 | S/ 428,004.92 |
| 5.25% | S/ 5,232.75 | S/ 10,532.88 | S/ 15,901.23 | S/ 21,338.69 | S/ 427,801.69 |
| 5.05% | S/ 5,037.04 | S/ 10,136.50 | S/ 15,299.16 | S/ 20,525.79 | S/ 426,988.79 |
| 5.00% | S/ 4,988.07 | S/ 10,037.35 | S/ 15,148.60 | S/ 20,322.57 | S/ 426,785.57 |
| 4.95% | S/ 4,939.08 | S/ 9,938.17 | S/ 14,998.02 | S/ 20,119.34 | S/ 426,582.34 |
| 4.75% | S/ 4,742.95 | S/ 9,541.24 | S/ 14,395.52 | S/ 19,306.44 | S/ 425,769.44 |
| 4.55% | S/ 4,546.53 | S/ 9,143.92 | S/ 13,792.73 | S/ 18,493.54 | S/ 424,956.54 |
| 4.50% | S/ 4,497.38 | S/ 9,044.53 | S/ 13,641.98 | S/ 18,290.31 | S/ 424,753.31 |
| 4.40% | S/ 4,399.03 | S/ 8,845.68 | S/ 13,340.45 | S/ 17,883.86 | S/ 424,346.86 |
| 4.30% | S/ 4,300.62 | S/ 8,646.73 | S/ 13,038.84 | S/ 17,477.41 | S/ 423,940.41 |
| 4.25% | S/ 4,251.38 | S/ 8,547.23 | S/ 12,888.00 | S/ 17,274.18 | S/ 423,737.18 |
| 4.20% | S/ 4,202.13 | S/ 8,447.69 | S/ 12,737.15 | S/ 17,070.96 | S/ 423,533.96 |
| 4.15% | S/ 4,152.85 | S/ 8,348.14 | S/ 12,586.28 | S/ 16,867.73 | S/ 423,330.73 |
| 4.00% | S/ 4,004.93 | S/ 8,049.33 | S/ 12,133.57 | S/ 16,258.06 | S/ 422,721.06 |
| 3.90% | S/ 3,906.23 | S/ 7,850.00 | S/ 11,831.67 | S/ 15,851.60 | S/ 422,314.60 |
| 3.75% | S/ 3,758.04 | S/ 7,550.83 | S/ 11,378.68 | S/ 15,241.93 | S/ 421,704.93 |
| 3.50% | S/ 3,510.70 | S/ 7,051.73 | S/ 10,623.34 | S/ 14,225.80 | S/ 420,688.80 |
| 3.00% | S/ 3,014.68 | S/ 6,051.72 | S/ 9,111.29 | S/ 12,193.54 | S/ 418,656.54 |
| 2.75% | S/ 2,765.99 | S/ 5,550.81 | S/ 8,354.57 | S/ 11,177.42 | S/ 417,640.42 |
| 2.50% | S/ 2,516.85 | S/ 5,049.28 | S/ 7,597.40 | S/ 10,161.29 | S/ 416,624.29 |
| 2.00% | S/ 2,017.19 | S/ 4,044.39 | S/ 6,081.66 | S/ 8,129.03 | S/ 414,592.03 |
| 1.35% | S/ 1,364.88 | S/ 2,734.35 | S/ 4,108.42 | S/ 5,487.10 | S/ 411,950.10 |
| 1.00% | S/ 1,012.34 | S/ 2,027.20 | S/ 3,044.59 | S/ 4,064.52 | S/ 410,527.52 |
| 0.10% | S/ 101.57 | S/ 203.18 | S/ 304.80 | S/ 406.45 | S/ 406,869.45 |
Sobre los datos
-
Para S/ 406,463 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 406,463 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
-
En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
-
Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.