Cálculo de intereses
Ahorrando S/ 476,074
Veamos que pasaría si Usted ahorrara 476,074 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/ 476,074.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,438.68 | S/ 10,939.50 | S/ 16,503.16 | S/ 22,130.37 | S/ 498,204.37 |
| 8.50% | S/ 9,808.94 | S/ 19,819.98 | S/ 30,037.29 | S/ 40,465.11 | S/ 516,539.11 |
| 8.00% | S/ 9,248.21 | S/ 18,676.08 | S/ 28,287.09 | S/ 38,084.81 | S/ 514,158.81 |
| 7.10% | S/ 8,233.98 | S/ 16,610.37 | S/ 25,131.63 | S/ 33,800.27 | S/ 509,874.27 |
| 7.00% | S/ 8,120.89 | S/ 16,380.31 | S/ 24,780.62 | S/ 33,324.21 | S/ 509,398.21 |
| 6.50% | S/ 7,554.26 | S/ 15,228.40 | S/ 23,024.31 | S/ 30,943.92 | S/ 507,017.92 |
| 6.10% | S/ 7,099.53 | S/ 14,304.92 | S/ 21,617.77 | S/ 29,039.68 | S/ 505,113.68 |
| 6.20% | S/ 7,213.33 | S/ 14,535.96 | S/ 21,969.53 | S/ 29,515.74 | S/ 505,589.74 |
| 5.90% | S/ 6,871.67 | S/ 13,842.53 | S/ 20,914.01 | S/ 28,087.56 | S/ 504,161.56 |
| 5.75% | S/ 6,700.57 | S/ 13,495.45 | S/ 20,385.97 | S/ 27,373.47 | S/ 503,447.47 |
| 5.70% | S/ 6,643.50 | S/ 13,379.71 | S/ 20,209.91 | S/ 27,135.44 | S/ 503,209.44 |
| 5.65% | S/ 6,586.40 | S/ 13,263.93 | S/ 20,033.84 | S/ 26,897.41 | S/ 502,971.41 |
| 5.60% | S/ 6,529.29 | S/ 13,148.13 | S/ 19,857.74 | S/ 26,659.38 | S/ 502,733.38 |
| 5.50% | S/ 6,415.00 | S/ 12,916.44 | S/ 19,505.49 | S/ 26,183.32 | S/ 502,257.32 |
| 5.30% | S/ 6,186.18 | S/ 12,452.73 | S/ 18,800.72 | S/ 25,231.20 | S/ 501,305.20 |
| 5.25% | S/ 6,128.92 | S/ 12,336.74 | S/ 18,624.48 | S/ 24,993.17 | S/ 501,067.17 |
| 5.05% | S/ 5,899.69 | S/ 11,872.48 | S/ 17,919.30 | S/ 24,041.05 | S/ 500,115.05 |
| 5.00% | S/ 5,842.33 | S/ 11,756.35 | S/ 17,742.95 | S/ 23,803.02 | S/ 499,877.02 |
| 4.95% | S/ 5,784.95 | S/ 11,640.19 | S/ 17,566.58 | S/ 23,564.99 | S/ 499,638.99 |
| 4.75% | S/ 5,555.22 | S/ 11,175.27 | S/ 16,860.90 | S/ 22,612.87 | S/ 498,686.87 |
| 4.55% | S/ 5,325.17 | S/ 10,709.91 | S/ 16,154.87 | S/ 21,660.75 | S/ 497,734.75 |
| 4.50% | S/ 5,267.61 | S/ 10,593.50 | S/ 15,978.32 | S/ 21,422.72 | S/ 497,496.72 |
| 4.40% | S/ 5,152.41 | S/ 10,360.59 | S/ 15,625.14 | S/ 20,946.66 | S/ 497,020.66 |
| 4.30% | S/ 5,037.14 | S/ 10,127.58 | S/ 15,271.87 | S/ 20,470.60 | S/ 496,544.60 |
| 4.25% | S/ 4,979.47 | S/ 10,011.03 | S/ 15,095.21 | S/ 20,232.57 | S/ 496,306.57 |
| 4.20% | S/ 4,921.78 | S/ 9,894.45 | S/ 14,918.52 | S/ 19,994.54 | S/ 496,068.54 |
| 4.15% | S/ 4,864.07 | S/ 9,777.84 | S/ 14,741.82 | S/ 19,756.51 | S/ 495,830.51 |
| 4.00% | S/ 4,690.82 | S/ 9,427.86 | S/ 14,211.57 | S/ 19,042.42 | S/ 495,116.42 |
| 3.90% | S/ 4,575.21 | S/ 9,194.39 | S/ 13,857.97 | S/ 18,566.36 | S/ 494,640.36 |
| 3.75% | S/ 4,401.64 | S/ 8,843.99 | S/ 13,327.40 | S/ 17,852.27 | S/ 493,926.27 |
| 3.50% | S/ 4,111.95 | S/ 8,259.41 | S/ 12,442.70 | S/ 16,662.12 | S/ 492,736.12 |
| 3.00% | S/ 3,530.98 | S/ 7,088.14 | S/ 10,671.69 | S/ 14,281.81 | S/ 490,355.81 |
| 2.75% | S/ 3,239.70 | S/ 6,501.44 | S/ 9,785.38 | S/ 13,091.66 | S/ 489,165.66 |
| 2.50% | S/ 2,947.88 | S/ 5,914.02 | S/ 8,898.53 | S/ 11,901.51 | S/ 487,975.51 |
| 2.00% | S/ 2,362.66 | S/ 4,737.04 | S/ 7,123.20 | S/ 9,521.21 | S/ 485,595.21 |
| 1.35% | S/ 1,598.63 | S/ 3,202.64 | S/ 4,812.03 | S/ 6,426.82 | S/ 482,500.82 |
| 1.00% | S/ 1,185.71 | S/ 2,374.38 | S/ 3,566.01 | S/ 4,760.61 | S/ 480,834.61 |
| 0.10% | S/ 118.97 | S/ 237.97 | S/ 357.00 | S/ 476.06 | S/ 476,550.06 |
Sobre los datos
-
Para S/ 476,074 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 476,074 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.