Cálculo de intereses
Ahorrando S/ 407,460
Veamos que pasaría si Usted ahorrara 407,460 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/ 407,460.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,654.84 | S/ 9,362.85 | S/ 14,124.65 | S/ 18,940.84 | S/ 426,400.84 |
| 8.50% | S/ 8,395.23 | S/ 16,963.43 | S/ 25,708.17 | S/ 34,633.09 | S/ 442,093.09 |
| 8.00% | S/ 7,915.32 | S/ 15,984.40 | S/ 24,210.23 | S/ 32,595.85 | S/ 440,055.85 |
| 7.10% | S/ 7,047.26 | S/ 14,216.40 | S/ 21,509.54 | S/ 28,928.82 | S/ 436,388.82 |
| 7.00% | S/ 6,950.47 | S/ 14,019.50 | S/ 21,209.12 | S/ 28,521.37 | S/ 435,981.37 |
| 6.50% | S/ 6,465.51 | S/ 13,033.61 | S/ 19,705.94 | S/ 26,484.13 | S/ 433,944.13 |
| 6.10% | S/ 6,076.31 | S/ 12,243.23 | S/ 18,502.12 | S/ 24,854.34 | S/ 432,314.34 |
| 6.20% | S/ 6,173.71 | S/ 12,440.97 | S/ 18,803.18 | S/ 25,261.79 | S/ 432,721.79 |
| 5.90% | S/ 5,881.30 | S/ 11,847.48 | S/ 17,899.79 | S/ 24,039.45 | S/ 431,499.45 |
| 5.75% | S/ 5,734.85 | S/ 11,550.43 | S/ 17,447.85 | S/ 23,428.28 | S/ 430,888.28 |
| 5.70% | S/ 5,686.01 | S/ 11,451.36 | S/ 17,297.17 | S/ 23,224.55 | S/ 430,684.55 |
| 5.65% | S/ 5,637.14 | S/ 11,352.27 | S/ 17,146.47 | S/ 23,020.83 | S/ 430,480.83 |
| 5.60% | S/ 5,588.26 | S/ 11,253.16 | S/ 16,995.75 | S/ 22,817.10 | S/ 430,277.10 |
| 5.50% | S/ 5,490.44 | S/ 11,054.86 | S/ 16,694.26 | S/ 22,409.66 | S/ 429,869.66 |
| 5.30% | S/ 5,294.59 | S/ 10,657.99 | S/ 16,091.07 | S/ 21,594.76 | S/ 429,054.76 |
| 5.25% | S/ 5,245.59 | S/ 10,558.71 | S/ 15,940.23 | S/ 21,391.04 | S/ 428,851.04 |
| 5.05% | S/ 5,049.40 | S/ 10,161.37 | S/ 15,336.69 | S/ 20,576.14 | S/ 428,036.14 |
| 5.00% | S/ 5,000.30 | S/ 10,061.97 | S/ 15,185.75 | S/ 20,372.42 | S/ 427,832.42 |
| 4.95% | S/ 4,951.19 | S/ 9,962.55 | S/ 15,034.80 | S/ 20,168.69 | S/ 427,628.69 |
| 4.75% | S/ 4,754.58 | S/ 9,564.64 | S/ 14,430.83 | S/ 19,353.80 | S/ 426,813.80 |
| 4.55% | S/ 4,557.68 | S/ 9,166.35 | S/ 13,826.56 | S/ 18,538.90 | S/ 425,998.90 |
| 4.50% | S/ 4,508.41 | S/ 9,066.71 | S/ 13,675.45 | S/ 18,335.18 | S/ 425,795.18 |
| 4.40% | S/ 4,409.82 | S/ 8,867.38 | S/ 13,373.17 | S/ 17,927.73 | S/ 425,387.73 |
| 4.30% | S/ 4,311.16 | S/ 8,667.94 | S/ 13,070.82 | S/ 17,520.28 | S/ 424,980.28 |
| 4.25% | S/ 4,261.81 | S/ 8,568.19 | S/ 12,919.62 | S/ 17,316.55 | S/ 424,776.55 |
| 4.20% | S/ 4,212.43 | S/ 8,468.41 | S/ 12,768.40 | S/ 17,112.83 | S/ 424,572.83 |
| 4.15% | S/ 4,163.04 | S/ 8,368.61 | S/ 12,617.16 | S/ 16,909.11 | S/ 424,369.11 |
| 4.00% | S/ 4,014.76 | S/ 8,069.07 | S/ 12,163.33 | S/ 16,297.93 | S/ 423,757.93 |
| 3.90% | S/ 3,915.81 | S/ 7,869.25 | S/ 11,860.69 | S/ 15,890.49 | S/ 423,350.49 |
| 3.75% | S/ 3,767.26 | S/ 7,569.35 | S/ 11,406.59 | S/ 15,279.31 | S/ 422,739.31 |
| 3.50% | S/ 3,519.31 | S/ 7,069.03 | S/ 10,649.40 | S/ 14,260.69 | S/ 421,720.69 |
| 3.00% | S/ 3,022.08 | S/ 6,066.56 | S/ 9,133.63 | S/ 12,223.45 | S/ 419,683.45 |
| 2.75% | S/ 2,772.78 | S/ 5,564.42 | S/ 8,375.06 | S/ 11,204.83 | S/ 418,664.83 |
| 2.50% | S/ 2,523.02 | S/ 5,061.67 | S/ 7,616.03 | S/ 10,186.21 | S/ 417,646.21 |
| 2.00% | S/ 2,022.14 | S/ 4,054.31 | S/ 6,096.57 | S/ 8,148.97 | S/ 415,608.97 |
| 1.35% | S/ 1,368.23 | S/ 2,741.06 | S/ 4,118.49 | S/ 5,500.55 | S/ 412,960.55 |
| 1.00% | S/ 1,014.82 | S/ 2,032.18 | S/ 3,052.06 | S/ 4,074.49 | S/ 411,534.49 |
| 0.10% | S/ 101.82 | S/ 203.67 | S/ 305.55 | S/ 407.45 | S/ 407,867.45 |
Sobre los datos
-
Para S/ 407,460 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 407,460 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.