Cálculo de intereses
Ahorrando S/ 439,262
Veamos que pasaría si Usted ahorrara 439,262 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/ 439,262.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,018.14 | S/ 10,093.61 | S/ 15,227.07 | S/ 20,419.16 | S/ 459,681.16 |
| 8.50% | S/ 9,050.47 | S/ 18,287.42 | S/ 27,714.68 | S/ 37,336.18 | S/ 476,598.18 |
| 8.00% | S/ 8,533.10 | S/ 17,231.97 | S/ 26,099.82 | S/ 35,139.94 | S/ 474,401.94 |
| 7.10% | S/ 7,597.29 | S/ 15,325.99 | S/ 23,188.35 | S/ 31,186.70 | S/ 470,448.70 |
| 7.00% | S/ 7,492.95 | S/ 15,113.72 | S/ 22,864.48 | S/ 30,747.45 | S/ 470,009.45 |
| 6.50% | S/ 6,970.14 | S/ 14,050.88 | S/ 21,243.97 | S/ 28,551.21 | S/ 467,813.21 |
| 6.10% | S/ 6,550.56 | S/ 13,198.81 | S/ 19,946.20 | S/ 26,794.21 | S/ 466,056.21 |
| 6.20% | S/ 6,655.57 | S/ 13,411.98 | S/ 20,270.76 | S/ 27,233.46 | S/ 466,495.46 |
| 5.90% | S/ 6,340.33 | S/ 12,772.17 | S/ 19,296.85 | S/ 25,915.71 | S/ 465,177.71 |
| 5.75% | S/ 6,182.46 | S/ 12,451.93 | S/ 18,809.64 | S/ 25,256.84 | S/ 464,518.84 |
| 5.70% | S/ 6,129.80 | S/ 12,345.13 | S/ 18,647.20 | S/ 25,037.21 | S/ 464,299.21 |
| 5.65% | S/ 6,077.12 | S/ 12,238.31 | S/ 18,484.74 | S/ 24,817.59 | S/ 464,079.59 |
| 5.60% | S/ 6,024.42 | S/ 12,131.46 | S/ 18,322.26 | S/ 24,597.96 | S/ 463,859.96 |
| 5.50% | S/ 5,918.97 | S/ 11,917.69 | S/ 17,997.24 | S/ 24,158.72 | S/ 463,420.72 |
| 5.30% | S/ 5,707.83 | S/ 11,489.84 | S/ 17,346.97 | S/ 23,280.22 | S/ 462,542.22 |
| 5.25% | S/ 5,655.01 | S/ 11,382.81 | S/ 17,184.36 | S/ 23,060.59 | S/ 462,322.59 |
| 5.05% | S/ 5,443.50 | S/ 10,954.45 | S/ 16,533.70 | S/ 22,182.09 | S/ 461,444.09 |
| 5.00% | S/ 5,390.57 | S/ 10,847.30 | S/ 16,370.99 | S/ 21,962.47 | S/ 461,224.47 |
| 4.95% | S/ 5,337.63 | S/ 10,740.12 | S/ 16,208.26 | S/ 21,742.85 | S/ 461,004.85 |
| 4.75% | S/ 5,125.67 | S/ 10,311.15 | S/ 15,557.14 | S/ 20,864.35 | S/ 460,126.35 |
| 4.55% | S/ 4,913.41 | S/ 9,881.77 | S/ 14,905.71 | S/ 19,985.85 | S/ 459,247.85 |
| 4.50% | S/ 4,860.29 | S/ 9,774.36 | S/ 14,742.81 | S/ 19,766.22 | S/ 459,028.22 |
| 4.40% | S/ 4,754.01 | S/ 9,559.47 | S/ 14,416.94 | S/ 19,326.98 | S/ 458,588.98 |
| 4.30% | S/ 4,647.65 | S/ 9,344.47 | S/ 14,090.99 | S/ 18,887.73 | S/ 458,149.73 |
| 4.25% | S/ 4,594.44 | S/ 9,236.93 | S/ 13,927.98 | S/ 18,668.10 | S/ 457,930.10 |
| 4.20% | S/ 4,541.21 | S/ 9,129.37 | S/ 13,764.96 | S/ 18,448.48 | S/ 457,710.48 |
| 4.15% | S/ 4,487.96 | S/ 9,021.78 | S/ 13,601.92 | S/ 18,228.85 | S/ 457,490.85 |
| 4.00% | S/ 4,328.11 | S/ 8,698.86 | S/ 13,112.67 | S/ 17,569.98 | S/ 456,831.98 |
| 3.90% | S/ 4,221.44 | S/ 8,483.44 | S/ 12,786.41 | S/ 17,130.73 | S/ 456,392.73 |
| 3.75% | S/ 4,061.29 | S/ 8,160.13 | S/ 12,296.87 | S/ 16,471.86 | S/ 455,733.86 |
| 3.50% | S/ 3,794.00 | S/ 7,620.76 | S/ 11,480.58 | S/ 15,373.73 | S/ 454,635.73 |
| 3.00% | S/ 3,257.95 | S/ 6,540.06 | S/ 9,846.51 | S/ 13,177.49 | S/ 452,439.49 |
| 2.75% | S/ 2,989.19 | S/ 5,998.72 | S/ 9,028.73 | S/ 12,079.36 | S/ 451,341.36 |
| 2.50% | S/ 2,719.94 | S/ 5,456.73 | S/ 8,210.46 | S/ 10,981.24 | S/ 450,243.24 |
| 2.00% | S/ 2,179.97 | S/ 4,370.75 | S/ 6,572.41 | S/ 8,784.99 | S/ 448,046.99 |
| 1.35% | S/ 1,475.02 | S/ 2,955.00 | S/ 4,439.94 | S/ 5,929.87 | S/ 445,191.87 |
| 1.00% | S/ 1,094.03 | S/ 2,190.79 | S/ 3,290.27 | S/ 4,392.50 | S/ 443,654.50 |
| 0.10% | S/ 109.77 | S/ 219.57 | S/ 329.40 | S/ 439.25 | S/ 439,701.25 |
Sobre los datos
-
Para S/ 439,262 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 439,262 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.
