Cálculo de intereses
Ahorrando S/ 480,240
Veamos que pasaría si Usted ahorrara 480,240 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/ 480,240.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,486.28 | S/ 11,035.23 | S/ 16,647.57 | S/ 22,324.03 | S/ 502,564.03 |
| 8.50% | S/ 9,894.78 | S/ 19,993.42 | S/ 30,300.14 | S/ 40,819.21 | S/ 521,059.21 |
| 8.00% | S/ 9,329.14 | S/ 18,839.51 | S/ 28,534.63 | S/ 38,418.08 | S/ 518,658.08 |
| 7.10% | S/ 8,306.03 | S/ 16,755.72 | S/ 25,351.55 | S/ 34,096.05 | S/ 514,336.05 |
| 7.00% | S/ 8,191.95 | S/ 16,523.65 | S/ 24,997.46 | S/ 33,615.83 | S/ 513,855.83 |
| 6.50% | S/ 7,620.37 | S/ 15,361.66 | S/ 23,225.79 | S/ 31,214.70 | S/ 511,454.70 |
| 6.10% | S/ 7,161.65 | S/ 14,430.10 | S/ 21,806.94 | S/ 29,293.80 | S/ 509,533.80 |
| 6.20% | S/ 7,276.45 | S/ 14,663.16 | S/ 22,161.78 | S/ 29,774.02 | S/ 510,014.02 |
| 5.90% | S/ 6,931.81 | S/ 13,963.67 | S/ 21,097.02 | S/ 28,333.34 | S/ 508,573.34 |
| 5.75% | S/ 6,759.21 | S/ 13,613.55 | S/ 20,564.36 | S/ 27,613.00 | S/ 507,853.00 |
| 5.70% | S/ 6,701.63 | S/ 13,496.79 | S/ 20,386.77 | S/ 27,372.89 | S/ 507,612.89 |
| 5.65% | S/ 6,644.04 | S/ 13,380.00 | S/ 20,209.15 | S/ 27,132.78 | S/ 507,372.78 |
| 5.60% | S/ 6,586.43 | S/ 13,263.18 | S/ 20,031.51 | S/ 26,892.67 | S/ 507,132.67 |
| 5.50% | S/ 6,471.14 | S/ 13,029.47 | S/ 19,676.17 | S/ 26,412.44 | S/ 506,652.44 |
| 5.30% | S/ 6,240.31 | S/ 12,561.71 | S/ 18,965.24 | S/ 25,451.99 | S/ 505,691.99 |
| 5.25% | S/ 6,182.55 | S/ 12,444.70 | S/ 18,787.46 | S/ 25,211.88 | S/ 505,451.88 |
| 5.05% | S/ 5,951.31 | S/ 11,976.38 | S/ 18,076.11 | S/ 24,251.42 | S/ 504,491.42 |
| 5.00% | S/ 5,893.45 | S/ 11,859.23 | S/ 17,898.21 | S/ 24,011.31 | S/ 504,251.31 |
| 4.95% | S/ 5,835.57 | S/ 11,742.05 | S/ 17,720.30 | S/ 23,771.20 | S/ 504,011.20 |
| 4.75% | S/ 5,603.84 | S/ 11,273.06 | S/ 17,008.44 | S/ 22,810.75 | S/ 503,050.75 |
| 4.55% | S/ 5,371.77 | S/ 10,803.63 | S/ 16,296.24 | S/ 21,850.29 | S/ 502,090.29 |
| 4.50% | S/ 5,313.70 | S/ 10,686.20 | S/ 16,118.14 | S/ 21,610.18 | S/ 501,850.18 |
| 4.40% | S/ 5,197.50 | S/ 10,451.25 | S/ 15,761.87 | S/ 21,129.96 | S/ 501,369.96 |
| 4.30% | S/ 5,081.22 | S/ 10,216.20 | S/ 15,405.51 | S/ 20,649.73 | S/ 500,889.73 |
| 4.25% | S/ 5,023.05 | S/ 10,098.63 | S/ 15,227.30 | S/ 20,409.62 | S/ 500,649.62 |
| 4.20% | S/ 4,964.85 | S/ 9,981.03 | S/ 15,049.07 | S/ 20,169.50 | S/ 500,409.50 |
| 4.15% | S/ 4,906.64 | S/ 9,863.41 | S/ 14,870.82 | S/ 19,929.39 | S/ 500,169.39 |
| 4.00% | S/ 4,731.87 | S/ 9,510.36 | S/ 14,335.93 | S/ 19,209.05 | S/ 499,449.05 |
| 3.90% | S/ 4,615.25 | S/ 9,274.85 | S/ 13,979.23 | S/ 18,728.83 | S/ 498,968.83 |
| 3.75% | S/ 4,440.16 | S/ 8,921.38 | S/ 13,444.02 | S/ 18,008.49 | S/ 498,248.49 |
| 3.50% | S/ 4,147.93 | S/ 8,331.69 | S/ 12,551.58 | S/ 16,807.92 | S/ 497,047.92 |
| 3.00% | S/ 3,561.87 | S/ 7,150.17 | S/ 10,765.07 | S/ 14,406.79 | S/ 494,646.79 |
| 2.75% | S/ 3,268.05 | S/ 6,558.33 | S/ 9,871.01 | S/ 13,206.23 | S/ 493,446.23 |
| 2.50% | S/ 2,973.68 | S/ 5,965.77 | S/ 8,976.40 | S/ 12,005.66 | S/ 492,245.66 |
| 2.00% | S/ 2,383.33 | S/ 4,778.49 | S/ 7,185.54 | S/ 9,604.53 | S/ 489,844.53 |
| 1.35% | S/ 1,612.62 | S/ 3,230.66 | S/ 4,854.13 | S/ 6,483.06 | S/ 486,723.06 |
| 1.00% | S/ 1,196.09 | S/ 2,395.16 | S/ 3,597.22 | S/ 4,802.26 | S/ 485,042.26 |
| 0.10% | S/ 120.01 | S/ 240.05 | S/ 360.12 | S/ 480.23 | S/ 480,720.23 |
Sobre los datos
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Para S/ 480,240 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/ 480,240 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.