Cálculo de intereses
Ahorrando S/ 435,234
Veamos que pasaría si Usted ahorrara 435,234 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/ 435,234.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 4,972.13 | S/ 10,001.06 | S/ 15,087.43 | S/ 20,231.92 | S/ 455,465.92 |
| 8.50% | S/ 8,967.48 | S/ 18,119.72 | S/ 27,460.54 | S/ 36,993.81 | S/ 472,227.81 |
| 8.00% | S/ 8,454.85 | S/ 17,073.95 | S/ 25,860.49 | S/ 34,817.71 | S/ 470,051.71 |
| 7.10% | S/ 7,527.63 | S/ 15,185.45 | S/ 22,975.71 | S/ 30,900.72 | S/ 466,134.72 |
| 7.00% | S/ 7,424.24 | S/ 14,975.12 | S/ 22,654.81 | S/ 30,465.50 | S/ 465,699.50 |
| 6.50% | S/ 6,906.22 | S/ 13,922.03 | S/ 21,049.17 | S/ 28,289.39 | S/ 463,523.39 |
| 6.10% | S/ 6,490.49 | S/ 13,077.78 | S/ 19,763.29 | S/ 26,548.51 | S/ 461,782.51 |
| 6.20% | S/ 6,594.54 | S/ 13,288.99 | S/ 20,084.87 | S/ 26,983.73 | S/ 462,217.73 |
| 5.90% | S/ 6,282.19 | S/ 12,655.05 | S/ 19,119.90 | S/ 25,678.07 | S/ 460,912.07 |
| 5.75% | S/ 6,125.76 | S/ 12,337.75 | S/ 18,637.16 | S/ 25,025.23 | S/ 460,259.23 |
| 5.70% | S/ 6,073.59 | S/ 12,231.93 | S/ 18,476.21 | S/ 24,807.62 | S/ 460,041.62 |
| 5.65% | S/ 6,021.39 | S/ 12,126.08 | S/ 18,315.24 | S/ 24,590.01 | S/ 459,824.01 |
| 5.60% | S/ 5,969.17 | S/ 12,020.22 | S/ 18,154.25 | S/ 24,372.40 | S/ 459,606.40 |
| 5.50% | S/ 5,864.69 | S/ 11,808.40 | S/ 17,832.21 | S/ 23,937.18 | S/ 459,171.18 |
| 5.30% | S/ 5,655.49 | S/ 11,384.48 | S/ 17,187.90 | S/ 23,066.74 | S/ 458,300.74 |
| 5.25% | S/ 5,603.15 | S/ 11,278.43 | S/ 17,026.78 | S/ 22,849.13 | S/ 458,083.13 |
| 5.05% | S/ 5,393.58 | S/ 10,854.00 | S/ 16,382.09 | S/ 21,978.69 | S/ 457,212.69 |
| 5.00% | S/ 5,341.14 | S/ 10,747.83 | S/ 16,220.87 | S/ 21,761.08 | S/ 456,995.08 |
| 4.95% | S/ 5,288.69 | S/ 10,641.64 | S/ 16,059.63 | S/ 21,543.47 | S/ 456,777.47 |
| 4.75% | S/ 5,078.67 | S/ 10,216.60 | S/ 15,414.48 | S/ 20,673.02 | S/ 455,907.02 |
| 4.55% | S/ 4,868.35 | S/ 9,791.16 | S/ 14,769.03 | S/ 19,802.58 | S/ 455,036.58 |
| 4.50% | S/ 4,815.72 | S/ 9,684.73 | S/ 14,607.62 | S/ 19,584.97 | S/ 454,818.97 |
| 4.40% | S/ 4,710.41 | S/ 9,471.81 | S/ 14,284.73 | S/ 19,149.75 | S/ 454,383.75 |
| 4.30% | S/ 4,605.03 | S/ 9,258.78 | S/ 13,961.77 | S/ 18,714.53 | S/ 453,948.53 |
| 4.25% | S/ 4,552.31 | S/ 9,152.23 | S/ 13,800.27 | S/ 18,496.92 | S/ 453,730.92 |
| 4.20% | S/ 4,499.57 | S/ 9,045.65 | S/ 13,638.74 | S/ 18,279.31 | S/ 453,513.31 |
| 4.15% | S/ 4,446.81 | S/ 8,939.05 | S/ 13,477.19 | S/ 18,061.69 | S/ 453,295.69 |
| 4.00% | S/ 4,288.42 | S/ 8,619.09 | S/ 12,992.43 | S/ 17,408.86 | S/ 452,642.86 |
| 3.90% | S/ 4,182.73 | S/ 8,405.65 | S/ 12,669.16 | S/ 16,973.64 | S/ 452,207.64 |
| 3.75% | S/ 4,024.05 | S/ 8,085.30 | S/ 12,184.11 | S/ 16,320.81 | S/ 451,554.81 |
| 3.50% | S/ 3,759.20 | S/ 7,550.88 | S/ 11,375.30 | S/ 15,232.76 | S/ 450,466.76 |
| 3.00% | S/ 3,228.07 | S/ 6,480.08 | S/ 9,756.22 | S/ 13,056.65 | S/ 448,290.65 |
| 2.75% | S/ 2,961.78 | S/ 5,943.71 | S/ 8,945.94 | S/ 11,968.60 | S/ 447,202.60 |
| 2.50% | S/ 2,695.00 | S/ 5,406.69 | S/ 8,135.17 | S/ 10,880.54 | S/ 446,114.54 |
| 2.00% | S/ 2,159.98 | S/ 4,330.67 | S/ 6,512.14 | S/ 8,704.43 | S/ 443,938.43 |
| 1.35% | S/ 1,461.50 | S/ 2,927.90 | S/ 4,399.23 | S/ 5,875.49 | S/ 441,109.49 |
| 1.00% | S/ 1,084.00 | S/ 2,170.70 | S/ 3,260.10 | S/ 4,352.22 | S/ 439,586.22 |
| 0.10% | S/ 108.76 | S/ 217.56 | S/ 326.38 | S/ 435.22 | S/ 435,669.22 |
Sobre los datos
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Para S/ 435,234 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/ 435,234 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.