Cálculo de intereses
Ahorrando S/ 422,170
Veamos que pasaría si Usted ahorrara 422,170 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/ 422,170.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,822.88 | S/ 9,700.86 | S/ 14,634.57 | S/ 19,624.64 | S/ 441,794.64 |
| 8.50% | S/ 8,698.31 | S/ 17,575.84 | S/ 26,636.28 | S/ 35,883.40 | S/ 458,053.40 |
| 8.00% | S/ 8,201.07 | S/ 16,561.46 | S/ 25,084.26 | S/ 33,772.62 | S/ 455,942.62 |
| 7.10% | S/ 7,301.68 | S/ 14,729.64 | S/ 22,286.07 | S/ 29,973.20 | S/ 452,143.20 |
| 7.00% | S/ 7,201.39 | S/ 14,525.63 | S/ 21,974.80 | S/ 29,551.04 | S/ 451,721.04 |
| 6.50% | S/ 6,698.92 | S/ 13,504.15 | S/ 20,417.35 | S/ 27,440.26 | S/ 449,610.26 |
| 6.10% | S/ 6,295.67 | S/ 12,685.23 | S/ 19,170.08 | S/ 25,751.63 | S/ 447,921.63 |
| 6.20% | S/ 6,396.59 | S/ 12,890.11 | S/ 19,482.01 | S/ 26,173.78 | S/ 448,343.78 |
| 5.90% | S/ 6,093.62 | S/ 12,275.20 | S/ 18,546.00 | S/ 24,907.31 | S/ 447,077.31 |
| 5.75% | S/ 5,941.89 | S/ 11,967.42 | S/ 18,077.75 | S/ 24,274.08 | S/ 446,444.08 |
| 5.70% | S/ 5,891.28 | S/ 11,864.77 | S/ 17,921.62 | S/ 24,063.00 | S/ 446,233.00 |
| 5.65% | S/ 5,840.65 | S/ 11,762.11 | S/ 17,765.48 | S/ 23,851.92 | S/ 446,021.92 |
| 5.60% | S/ 5,790.00 | S/ 11,659.42 | S/ 17,609.33 | S/ 23,640.84 | S/ 445,810.84 |
| 5.50% | S/ 5,688.65 | S/ 11,453.96 | S/ 17,296.96 | S/ 23,218.68 | S/ 445,388.68 |
| 5.30% | S/ 5,485.74 | S/ 11,042.76 | S/ 16,671.99 | S/ 22,374.37 | S/ 444,544.37 |
| 5.25% | S/ 5,434.96 | S/ 10,939.90 | S/ 16,515.70 | S/ 22,163.29 | S/ 444,333.29 |
| 5.05% | S/ 5,231.69 | S/ 10,528.21 | S/ 15,890.37 | S/ 21,318.97 | S/ 443,488.97 |
| 5.00% | S/ 5,180.82 | S/ 10,425.22 | S/ 15,733.99 | S/ 21,107.89 | S/ 443,277.89 |
| 4.95% | S/ 5,129.94 | S/ 10,322.22 | S/ 15,577.59 | S/ 20,896.82 | S/ 443,066.82 |
| 4.75% | S/ 4,926.23 | S/ 9,909.94 | S/ 14,951.80 | S/ 20,052.50 | S/ 442,222.50 |
| 4.55% | S/ 4,722.22 | S/ 9,497.27 | S/ 14,325.72 | S/ 19,208.19 | S/ 441,378.19 |
| 4.50% | S/ 4,671.18 | S/ 9,394.04 | S/ 14,169.15 | S/ 18,997.11 | S/ 441,167.11 |
| 4.40% | S/ 4,569.03 | S/ 9,187.50 | S/ 13,855.96 | S/ 18,574.95 | S/ 440,744.95 |
| 4.30% | S/ 4,466.80 | S/ 8,980.87 | S/ 13,542.70 | S/ 18,152.79 | S/ 440,322.79 |
| 4.25% | S/ 4,415.67 | S/ 8,877.52 | S/ 13,386.04 | S/ 17,941.71 | S/ 440,111.71 |
| 4.20% | S/ 4,364.51 | S/ 8,774.14 | S/ 13,229.36 | S/ 17,730.63 | S/ 439,900.63 |
| 4.15% | S/ 4,313.33 | S/ 8,670.74 | S/ 13,072.66 | S/ 17,519.55 | S/ 439,689.55 |
| 4.00% | S/ 4,159.70 | S/ 8,360.38 | S/ 12,602.45 | S/ 16,886.32 | S/ 439,056.32 |
| 3.90% | S/ 4,057.18 | S/ 8,153.35 | S/ 12,288.88 | S/ 16,464.16 | S/ 438,634.16 |
| 3.75% | S/ 3,903.26 | S/ 7,842.62 | S/ 11,818.39 | S/ 15,830.92 | S/ 438,000.92 |
| 3.50% | S/ 3,646.37 | S/ 7,324.23 | S/ 11,033.86 | S/ 14,775.53 | S/ 436,945.53 |
| 3.00% | S/ 3,131.18 | S/ 6,285.58 | S/ 9,463.37 | S/ 12,664.74 | S/ 434,834.74 |
| 2.75% | S/ 2,872.88 | S/ 5,765.31 | S/ 8,677.42 | S/ 11,609.35 | S/ 433,779.35 |
| 2.50% | S/ 2,614.11 | S/ 5,244.40 | S/ 7,890.98 | S/ 10,553.95 | S/ 432,723.95 |
| 2.00% | S/ 2,095.14 | S/ 4,200.68 | S/ 6,316.67 | S/ 8,443.16 | S/ 430,613.16 |
| 1.35% | S/ 1,417.63 | S/ 2,840.01 | S/ 4,267.18 | S/ 5,699.13 | S/ 427,869.13 |
| 1.00% | S/ 1,051.46 | S/ 2,105.54 | S/ 3,162.24 | S/ 4,221.58 | S/ 426,391.58 |
| 0.10% | S/ 105.50 | S/ 211.03 | S/ 316.58 | S/ 422.16 | S/ 422,592.16 |
Sobre los datos
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Para S/ 422,170 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/ 422,170 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.