Cálculo de intereses
Ahorrando S/ 473,985
Veamos que pasaría si Usted ahorrara 473,985 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/ 473,985.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,414.82 | S/ 10,891.50 | S/ 16,430.74 | S/ 22,033.27 | S/ 496,018.27 |
| 8.50% | S/ 9,765.90 | S/ 19,733.01 | S/ 29,905.48 | S/ 40,287.55 | S/ 514,272.55 |
| 8.00% | S/ 9,207.63 | S/ 18,594.13 | S/ 28,162.97 | S/ 37,917.70 | S/ 511,902.70 |
| 7.10% | S/ 8,197.85 | S/ 16,537.48 | S/ 25,021.35 | S/ 33,651.96 | S/ 507,636.96 |
| 7.00% | S/ 8,085.26 | S/ 16,308.43 | S/ 24,671.88 | S/ 33,177.99 | S/ 507,162.99 |
| 6.50% | S/ 7,521.12 | S/ 15,161.58 | S/ 22,923.28 | S/ 30,808.13 | S/ 504,793.13 |
| 6.10% | S/ 7,068.37 | S/ 14,242.15 | S/ 21,522.91 | S/ 28,912.25 | S/ 502,897.25 |
| 6.20% | S/ 7,181.68 | S/ 14,472.17 | S/ 21,873.13 | S/ 29,386.22 | S/ 503,371.22 |
| 5.90% | S/ 6,841.52 | S/ 13,781.79 | S/ 20,822.24 | S/ 27,964.31 | S/ 501,949.31 |
| 5.75% | S/ 6,671.17 | S/ 13,436.24 | S/ 20,296.52 | S/ 27,253.35 | S/ 501,238.35 |
| 5.70% | S/ 6,614.35 | S/ 13,321.00 | S/ 20,121.23 | S/ 27,016.37 | S/ 501,001.37 |
| 5.65% | S/ 6,557.50 | S/ 13,205.73 | S/ 19,945.93 | S/ 26,779.38 | S/ 500,764.38 |
| 5.60% | S/ 6,500.64 | S/ 13,090.43 | S/ 19,770.61 | S/ 26,542.40 | S/ 500,527.40 |
| 5.50% | S/ 6,386.85 | S/ 12,859.76 | S/ 19,419.90 | S/ 26,068.43 | S/ 500,053.43 |
| 5.30% | S/ 6,159.03 | S/ 12,398.09 | S/ 18,718.23 | S/ 25,120.48 | S/ 499,105.48 |
| 5.25% | S/ 6,102.02 | S/ 12,282.61 | S/ 18,542.76 | S/ 24,883.50 | S/ 498,868.50 |
| 5.05% | S/ 5,873.80 | S/ 11,820.39 | S/ 17,840.67 | S/ 23,935.56 | S/ 497,920.56 |
| 5.00% | S/ 5,816.69 | S/ 11,704.76 | S/ 17,665.09 | S/ 23,698.57 | S/ 497,683.57 |
| 4.95% | S/ 5,759.56 | S/ 11,589.11 | S/ 17,489.50 | S/ 23,461.58 | S/ 497,446.58 |
| 4.75% | S/ 5,530.85 | S/ 11,126.23 | S/ 16,786.91 | S/ 22,513.64 | S/ 496,498.64 |
| 4.55% | S/ 5,301.80 | S/ 10,662.91 | S/ 16,083.99 | S/ 21,565.70 | S/ 495,550.70 |
| 4.50% | S/ 5,244.49 | S/ 10,547.01 | S/ 15,908.20 | S/ 21,328.71 | S/ 495,313.71 |
| 4.40% | S/ 5,129.81 | S/ 10,315.13 | S/ 15,556.57 | S/ 20,854.74 | S/ 494,839.74 |
| 4.30% | S/ 5,015.04 | S/ 10,083.14 | S/ 15,204.86 | S/ 20,380.77 | S/ 494,365.77 |
| 4.25% | S/ 4,957.62 | S/ 9,967.10 | S/ 15,028.97 | S/ 20,143.79 | S/ 494,128.79 |
| 4.20% | S/ 4,900.19 | S/ 9,851.03 | S/ 14,853.06 | S/ 19,906.80 | S/ 493,891.80 |
| 4.15% | S/ 4,842.73 | S/ 9,734.94 | S/ 14,677.13 | S/ 19,669.82 | S/ 493,654.82 |
| 4.00% | S/ 4,670.24 | S/ 9,386.49 | S/ 14,149.21 | S/ 18,958.86 | S/ 492,943.86 |
| 3.90% | S/ 4,555.14 | S/ 9,154.05 | S/ 13,797.16 | S/ 18,484.89 | S/ 492,469.89 |
| 3.75% | S/ 4,382.33 | S/ 8,805.18 | S/ 13,268.92 | S/ 17,773.93 | S/ 491,758.93 |
| 3.50% | S/ 4,093.90 | S/ 8,223.17 | S/ 12,388.10 | S/ 16,589.00 | S/ 490,574.00 |
| 3.00% | S/ 3,515.48 | S/ 7,057.04 | S/ 10,624.86 | S/ 14,219.15 | S/ 488,204.15 |
| 2.75% | S/ 3,225.48 | S/ 6,472.91 | S/ 9,742.44 | S/ 13,034.22 | S/ 487,019.22 |
| 2.50% | S/ 2,934.95 | S/ 5,888.07 | S/ 8,859.48 | S/ 11,849.29 | S/ 485,834.29 |
| 2.00% | S/ 2,352.29 | S/ 4,716.25 | S/ 7,091.95 | S/ 9,479.43 | S/ 483,464.43 |
| 1.35% | S/ 1,591.62 | S/ 3,188.58 | S/ 4,790.91 | S/ 6,398.62 | S/ 480,383.62 |
| 1.00% | S/ 1,180.51 | S/ 2,363.96 | S/ 3,550.36 | S/ 4,739.72 | S/ 478,724.72 |
| 0.10% | S/ 118.45 | S/ 236.93 | S/ 355.43 | S/ 473.97 | S/ 474,458.97 |
Sobre los datos
-
Para S/ 473,985 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 473,985 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.