Cálculo de intereses
Ahorrando S/ 478,496
Veamos que pasaría si Usted ahorrara 478,496 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/ 478,496.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,466.35 | S/ 10,995.15 | S/ 16,587.12 | S/ 22,242.96 | S/ 500,738.96 |
| 8.50% | S/ 9,858.84 | S/ 19,920.81 | S/ 30,190.10 | S/ 40,670.97 | S/ 519,166.97 |
| 8.00% | S/ 9,295.26 | S/ 18,771.09 | S/ 28,431.00 | S/ 38,278.57 | S/ 516,774.57 |
| 7.10% | S/ 8,275.87 | S/ 16,694.87 | S/ 25,259.49 | S/ 33,972.23 | S/ 512,468.23 |
| 7.00% | S/ 8,162.21 | S/ 16,463.64 | S/ 24,906.69 | S/ 33,493.75 | S/ 511,989.75 |
| 6.50% | S/ 7,592.70 | S/ 15,305.87 | S/ 23,141.44 | S/ 31,101.34 | S/ 509,597.34 |
| 6.10% | S/ 7,135.64 | S/ 14,377.70 | S/ 21,727.75 | S/ 29,187.41 | S/ 507,683.41 |
| 6.20% | S/ 7,250.03 | S/ 14,609.91 | S/ 22,081.30 | S/ 29,665.90 | S/ 508,161.90 |
| 5.90% | S/ 6,906.63 | S/ 13,912.96 | S/ 21,020.41 | S/ 28,230.45 | S/ 506,726.45 |
| 5.75% | S/ 6,734.66 | S/ 13,564.11 | S/ 20,489.68 | S/ 27,512.73 | S/ 506,008.73 |
| 5.70% | S/ 6,677.30 | S/ 13,447.77 | S/ 20,312.73 | S/ 27,273.49 | S/ 505,769.49 |
| 5.65% | S/ 6,619.91 | S/ 13,331.41 | S/ 20,135.76 | S/ 27,034.25 | S/ 505,530.25 |
| 5.60% | S/ 6,562.51 | S/ 13,215.02 | S/ 19,958.77 | S/ 26,795.01 | S/ 505,291.01 |
| 5.50% | S/ 6,447.64 | S/ 12,982.15 | S/ 19,604.72 | S/ 26,316.52 | S/ 504,812.52 |
| 5.30% | S/ 6,217.65 | S/ 12,516.09 | S/ 18,896.37 | S/ 25,359.56 | S/ 503,855.56 |
| 5.25% | S/ 6,160.10 | S/ 12,399.50 | S/ 18,719.23 | S/ 25,120.32 | S/ 503,616.32 |
| 5.05% | S/ 5,929.70 | S/ 11,932.88 | S/ 18,010.46 | S/ 24,163.35 | S/ 502,659.35 |
| 5.00% | S/ 5,872.05 | S/ 11,816.16 | S/ 17,833.22 | S/ 23,924.11 | S/ 502,420.11 |
| 4.95% | S/ 5,814.38 | S/ 11,699.41 | S/ 17,655.95 | S/ 23,684.87 | S/ 502,180.87 |
| 4.75% | S/ 5,583.49 | S/ 11,232.12 | S/ 16,946.68 | S/ 22,727.91 | S/ 501,223.91 |
| 4.55% | S/ 5,352.26 | S/ 10,764.39 | S/ 16,237.06 | S/ 21,770.94 | S/ 500,266.94 |
| 4.50% | S/ 5,294.40 | S/ 10,647.39 | S/ 16,059.60 | S/ 21,531.70 | S/ 500,027.70 |
| 4.40% | S/ 5,178.63 | S/ 10,413.30 | S/ 15,704.63 | S/ 21,053.22 | S/ 499,549.22 |
| 4.30% | S/ 5,062.77 | S/ 10,179.10 | S/ 15,349.57 | S/ 20,574.74 | S/ 499,070.74 |
| 4.25% | S/ 5,004.80 | S/ 10,061.96 | S/ 15,172.00 | S/ 20,335.50 | S/ 498,831.50 |
| 4.20% | S/ 4,946.82 | S/ 9,944.79 | S/ 14,994.42 | S/ 20,096.26 | S/ 498,592.26 |
| 4.15% | S/ 4,888.82 | S/ 9,827.59 | S/ 14,816.81 | S/ 19,857.02 | S/ 498,353.02 |
| 4.00% | S/ 4,714.68 | S/ 9,475.82 | S/ 14,283.87 | S/ 19,139.29 | S/ 497,635.29 |
| 3.90% | S/ 4,598.49 | S/ 9,241.17 | S/ 13,928.47 | S/ 18,660.81 | S/ 497,156.81 |
| 3.75% | S/ 4,424.04 | S/ 8,888.98 | S/ 13,395.20 | S/ 17,943.09 | S/ 496,439.09 |
| 3.50% | S/ 4,132.87 | S/ 8,301.43 | S/ 12,506.00 | S/ 16,746.88 | S/ 495,242.88 |
| 3.00% | S/ 3,548.94 | S/ 7,124.20 | S/ 10,725.98 | S/ 14,354.47 | S/ 492,850.47 |
| 2.75% | S/ 3,256.18 | S/ 6,534.51 | S/ 9,835.16 | S/ 13,158.27 | S/ 491,654.27 |
| 2.50% | S/ 2,962.88 | S/ 5,944.11 | S/ 8,943.80 | S/ 11,962.06 | S/ 490,458.06 |
| 2.00% | S/ 2,374.68 | S/ 4,761.14 | S/ 7,159.44 | S/ 9,569.65 | S/ 488,065.65 |
| 1.35% | S/ 1,606.77 | S/ 3,218.93 | S/ 4,836.51 | S/ 6,459.51 | S/ 484,955.51 |
| 1.00% | S/ 1,191.75 | S/ 2,386.46 | S/ 3,584.15 | S/ 4,784.83 | S/ 483,280.83 |
| 0.10% | S/ 119.58 | S/ 239.18 | S/ 358.82 | S/ 478.48 | S/ 478,974.48 |
Sobre los datos
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Para S/ 478,496 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/ 478,496 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.