Cálculo de intereses
Ahorrando S/ 478,648
Veamos que pasaría si Usted ahorrara 478,648 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/ 478,648.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,468.09 | S/ 10,998.65 | S/ 16,592.39 | S/ 22,250.03 | S/ 500,898.03 |
| 8.50% | S/ 9,861.97 | S/ 19,927.14 | S/ 30,199.69 | S/ 40,683.89 | S/ 519,331.89 |
| 8.00% | S/ 9,298.21 | S/ 18,777.06 | S/ 28,440.04 | S/ 38,290.73 | S/ 516,938.73 |
| 7.10% | S/ 8,278.50 | S/ 16,700.17 | S/ 25,267.51 | S/ 33,983.02 | S/ 512,631.02 |
| 7.00% | S/ 8,164.80 | S/ 16,468.87 | S/ 24,914.60 | S/ 33,504.39 | S/ 512,152.39 |
| 6.50% | S/ 7,595.11 | S/ 15,310.73 | S/ 23,148.79 | S/ 31,111.22 | S/ 509,759.22 |
| 6.10% | S/ 7,137.91 | S/ 14,382.27 | S/ 21,734.65 | S/ 29,196.69 | S/ 507,844.69 |
| 6.20% | S/ 7,252.33 | S/ 14,614.55 | S/ 22,088.31 | S/ 29,675.32 | S/ 508,323.32 |
| 5.90% | S/ 6,908.83 | S/ 13,917.38 | S/ 21,027.09 | S/ 28,239.42 | S/ 506,887.42 |
| 5.75% | S/ 6,736.80 | S/ 13,568.42 | S/ 20,496.19 | S/ 27,521.47 | S/ 506,169.47 |
| 5.70% | S/ 6,679.42 | S/ 13,452.05 | S/ 20,319.18 | S/ 27,282.15 | S/ 505,930.15 |
| 5.65% | S/ 6,622.01 | S/ 13,335.64 | S/ 20,142.16 | S/ 27,042.83 | S/ 505,690.83 |
| 5.60% | S/ 6,564.59 | S/ 13,219.22 | S/ 19,965.11 | S/ 26,803.52 | S/ 505,451.52 |
| 5.50% | S/ 6,449.68 | S/ 12,986.28 | S/ 19,610.95 | S/ 26,324.88 | S/ 504,972.88 |
| 5.30% | S/ 6,219.62 | S/ 12,520.06 | S/ 18,902.37 | S/ 25,367.62 | S/ 504,015.62 |
| 5.25% | S/ 6,162.06 | S/ 12,403.44 | S/ 18,725.18 | S/ 25,128.30 | S/ 503,776.30 |
| 5.05% | S/ 5,931.58 | S/ 11,936.67 | S/ 18,016.18 | S/ 24,171.03 | S/ 502,819.03 |
| 5.00% | S/ 5,873.91 | S/ 11,819.91 | S/ 17,838.88 | S/ 23,931.71 | S/ 502,579.71 |
| 4.95% | S/ 5,816.23 | S/ 11,703.13 | S/ 17,661.56 | S/ 23,692.40 | S/ 502,340.40 |
| 4.75% | S/ 5,585.26 | S/ 11,235.69 | S/ 16,952.06 | S/ 22,735.13 | S/ 501,383.13 |
| 4.55% | S/ 5,353.96 | S/ 10,767.81 | S/ 16,242.22 | S/ 21,777.86 | S/ 500,425.86 |
| 4.50% | S/ 5,296.09 | S/ 10,650.77 | S/ 16,064.71 | S/ 21,538.54 | S/ 500,186.54 |
| 4.40% | S/ 5,180.27 | S/ 10,416.61 | S/ 15,709.62 | S/ 21,059.91 | S/ 499,707.91 |
| 4.30% | S/ 5,064.37 | S/ 10,182.33 | S/ 15,354.44 | S/ 20,581.28 | S/ 499,229.28 |
| 4.25% | S/ 5,006.39 | S/ 10,065.15 | S/ 15,176.82 | S/ 20,341.96 | S/ 498,989.96 |
| 4.20% | S/ 4,948.39 | S/ 9,947.94 | S/ 14,999.18 | S/ 20,102.64 | S/ 498,750.64 |
| 4.15% | S/ 4,890.37 | S/ 9,830.71 | S/ 14,821.52 | S/ 19,863.32 | S/ 498,511.32 |
| 4.00% | S/ 4,716.18 | S/ 9,478.83 | S/ 14,288.41 | S/ 19,145.37 | S/ 497,793.37 |
| 3.90% | S/ 4,599.95 | S/ 9,244.10 | S/ 13,932.89 | S/ 18,666.74 | S/ 497,314.74 |
| 3.75% | S/ 4,425.44 | S/ 8,891.80 | S/ 13,399.46 | S/ 17,948.79 | S/ 496,596.79 |
| 3.50% | S/ 4,134.18 | S/ 8,304.07 | S/ 12,509.97 | S/ 16,752.20 | S/ 495,400.20 |
| 3.00% | S/ 3,550.07 | S/ 7,126.46 | S/ 10,729.39 | S/ 14,359.03 | S/ 493,007.03 |
| 2.75% | S/ 3,257.21 | S/ 6,536.59 | S/ 9,838.28 | S/ 13,162.45 | S/ 491,810.45 |
| 2.50% | S/ 2,963.82 | S/ 5,946.00 | S/ 8,946.64 | S/ 11,965.86 | S/ 490,613.86 |
| 2.00% | S/ 2,375.43 | S/ 4,762.65 | S/ 7,161.72 | S/ 9,572.69 | S/ 488,220.69 |
| 1.35% | S/ 1,607.28 | S/ 3,219.95 | S/ 4,838.04 | S/ 6,461.57 | S/ 485,109.57 |
| 1.00% | S/ 1,192.13 | S/ 2,387.22 | S/ 3,585.29 | S/ 4,786.35 | S/ 483,434.35 |
| 0.10% | S/ 119.61 | S/ 239.26 | S/ 358.93 | S/ 478.63 | S/ 479,126.63 |
Sobre los datos
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Para S/ 478,648 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/ 478,648 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.