Cálculo de intereses
Ahorrando S/ 473,635
Veamos que pasaría si Usted ahorrara 473,635 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/ 473,635.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,410.82 | S/ 10,883.46 | S/ 16,418.61 | S/ 22,017.00 | S/ 495,652.00 |
| 8.50% | S/ 9,758.69 | S/ 19,718.44 | S/ 29,883.40 | S/ 40,257.80 | S/ 513,892.80 |
| 8.00% | S/ 9,200.83 | S/ 18,580.40 | S/ 28,142.18 | S/ 37,889.70 | S/ 511,524.70 |
| 7.10% | S/ 8,191.79 | S/ 16,525.27 | S/ 25,002.88 | S/ 33,627.11 | S/ 507,262.11 |
| 7.00% | S/ 8,079.29 | S/ 16,296.39 | S/ 24,653.66 | S/ 33,153.49 | S/ 506,788.49 |
| 6.50% | S/ 7,515.56 | S/ 15,150.38 | S/ 22,906.35 | S/ 30,785.39 | S/ 504,420.39 |
| 6.10% | S/ 7,063.15 | S/ 14,231.64 | S/ 21,507.02 | S/ 28,890.90 | S/ 502,525.90 |
| 6.20% | S/ 7,176.38 | S/ 14,461.49 | S/ 21,856.98 | S/ 29,364.52 | S/ 502,999.52 |
| 5.90% | S/ 6,836.47 | S/ 13,771.62 | S/ 20,806.86 | S/ 27,943.66 | S/ 501,578.66 |
| 5.75% | S/ 6,666.24 | S/ 13,426.31 | S/ 20,281.53 | S/ 27,233.23 | S/ 500,868.23 |
| 5.70% | S/ 6,609.46 | S/ 13,311.16 | S/ 20,106.38 | S/ 26,996.42 | S/ 500,631.42 |
| 5.65% | S/ 6,552.66 | S/ 13,195.98 | S/ 19,931.20 | S/ 26,759.61 | S/ 500,394.61 |
| 5.60% | S/ 6,495.84 | S/ 13,080.77 | S/ 19,756.01 | S/ 26,522.80 | S/ 500,157.80 |
| 5.50% | S/ 6,382.13 | S/ 12,850.27 | S/ 19,405.56 | S/ 26,049.18 | S/ 499,684.18 |
| 5.30% | S/ 6,154.48 | S/ 12,388.94 | S/ 18,704.40 | S/ 25,101.93 | S/ 498,736.93 |
| 5.25% | S/ 6,097.52 | S/ 12,273.54 | S/ 18,529.06 | S/ 24,865.12 | S/ 498,500.12 |
| 5.05% | S/ 5,869.46 | S/ 11,811.66 | S/ 17,827.49 | S/ 23,917.88 | S/ 497,552.88 |
| 5.00% | S/ 5,812.40 | S/ 11,696.12 | S/ 17,652.05 | S/ 23,681.07 | S/ 497,316.07 |
| 4.95% | S/ 5,755.31 | S/ 11,580.56 | S/ 17,476.59 | S/ 23,444.26 | S/ 497,079.26 |
| 4.75% | S/ 5,526.76 | S/ 11,118.02 | S/ 16,774.52 | S/ 22,497.02 | S/ 496,132.02 |
| 4.55% | S/ 5,297.89 | S/ 10,655.04 | S/ 16,072.11 | S/ 21,549.78 | S/ 495,184.78 |
| 4.50% | S/ 5,240.62 | S/ 10,539.22 | S/ 15,896.46 | S/ 21,312.96 | S/ 494,947.96 |
| 4.40% | S/ 5,126.02 | S/ 10,307.51 | S/ 15,545.09 | S/ 20,839.34 | S/ 494,474.34 |
| 4.30% | S/ 5,011.33 | S/ 10,075.69 | S/ 15,193.63 | S/ 20,365.72 | S/ 494,000.72 |
| 4.25% | S/ 4,953.96 | S/ 9,959.74 | S/ 15,017.87 | S/ 20,128.91 | S/ 493,763.91 |
| 4.20% | S/ 4,896.57 | S/ 9,843.76 | S/ 14,842.09 | S/ 19,892.10 | S/ 493,527.10 |
| 4.15% | S/ 4,839.15 | S/ 9,727.75 | S/ 14,666.29 | S/ 19,655.29 | S/ 493,290.29 |
| 4.00% | S/ 4,666.79 | S/ 9,379.56 | S/ 14,138.76 | S/ 18,944.86 | S/ 492,579.86 |
| 3.90% | S/ 4,551.77 | S/ 9,147.29 | S/ 13,786.97 | S/ 18,471.24 | S/ 492,106.24 |
| 3.75% | S/ 4,379.09 | S/ 8,798.68 | S/ 13,259.12 | S/ 17,760.81 | S/ 491,395.81 |
| 3.50% | S/ 4,090.88 | S/ 8,217.10 | S/ 12,378.95 | S/ 16,576.75 | S/ 490,211.75 |
| 3.00% | S/ 3,512.89 | S/ 7,051.83 | S/ 10,617.02 | S/ 14,208.65 | S/ 487,843.65 |
| 2.75% | S/ 3,223.10 | S/ 6,468.13 | S/ 9,735.25 | S/ 13,024.59 | S/ 486,659.59 |
| 2.50% | S/ 2,932.78 | S/ 5,883.72 | S/ 8,852.94 | S/ 11,840.54 | S/ 485,475.54 |
| 2.00% | S/ 2,350.55 | S/ 4,712.77 | S/ 7,086.71 | S/ 9,472.43 | S/ 483,107.43 |
| 1.35% | S/ 1,590.44 | S/ 3,186.23 | S/ 4,787.37 | S/ 6,393.89 | S/ 480,028.89 |
| 1.00% | S/ 1,179.64 | S/ 2,362.22 | S/ 3,547.74 | S/ 4,736.22 | S/ 478,371.22 |
| 0.10% | S/ 118.36 | S/ 236.75 | S/ 355.17 | S/ 473.62 | S/ 474,108.62 |
Sobre los datos
-
Para S/ 473,635 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 473,635 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.