Cálculo de intereses
Ahorrando S/ 485,736
Veamos que pasaría si Usted ahorrara 485,736 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/ 485,736.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,549.06 | S/ 11,161.52 | S/ 16,838.09 | S/ 22,579.51 | S/ 508,315.51 |
| 8.50% | S/ 10,008.01 | S/ 20,222.23 | S/ 30,646.90 | S/ 41,286.36 | S/ 527,022.36 |
| 8.00% | S/ 9,435.91 | S/ 19,055.11 | S/ 28,861.19 | S/ 38,857.75 | S/ 524,593.75 |
| 7.10% | S/ 8,401.09 | S/ 16,947.48 | S/ 25,641.68 | S/ 34,486.26 | S/ 520,222.26 |
| 7.00% | S/ 8,285.71 | S/ 16,712.75 | S/ 25,283.54 | S/ 34,000.54 | S/ 519,736.54 |
| 6.50% | S/ 7,707.58 | S/ 15,537.46 | S/ 23,491.59 | S/ 31,571.93 | S/ 517,307.93 |
| 6.10% | S/ 7,243.61 | S/ 14,595.24 | S/ 22,056.51 | S/ 29,629.04 | S/ 515,365.04 |
| 6.20% | S/ 7,359.73 | S/ 14,830.96 | S/ 22,415.41 | S/ 30,114.76 | S/ 515,850.76 |
| 5.90% | S/ 7,011.14 | S/ 14,123.47 | S/ 21,338.46 | S/ 28,657.60 | S/ 514,393.60 |
| 5.75% | S/ 6,836.56 | S/ 13,769.35 | S/ 20,799.71 | S/ 27,929.02 | S/ 513,665.02 |
| 5.70% | S/ 6,778.33 | S/ 13,651.25 | S/ 20,620.08 | S/ 27,686.16 | S/ 513,422.16 |
| 5.65% | S/ 6,720.08 | S/ 13,533.12 | S/ 20,440.43 | S/ 27,443.29 | S/ 513,179.29 |
| 5.60% | S/ 6,661.80 | S/ 13,414.97 | S/ 20,260.76 | S/ 27,200.43 | S/ 512,936.43 |
| 5.50% | S/ 6,545.19 | S/ 13,178.58 | S/ 19,901.35 | S/ 26,714.71 | S/ 512,450.71 |
| 5.30% | S/ 6,311.72 | S/ 12,705.46 | S/ 19,182.29 | S/ 25,743.27 | S/ 511,479.27 |
| 5.25% | S/ 6,253.31 | S/ 12,587.12 | S/ 19,002.47 | S/ 25,500.41 | S/ 511,236.41 |
| 5.05% | S/ 6,019.42 | S/ 12,113.44 | S/ 18,282.97 | S/ 24,528.96 | S/ 510,264.96 |
| 5.00% | S/ 5,960.90 | S/ 11,994.95 | S/ 18,103.05 | S/ 24,286.10 | S/ 510,022.10 |
| 4.95% | S/ 5,902.35 | S/ 11,876.43 | S/ 17,923.10 | S/ 24,043.24 | S/ 509,779.24 |
| 4.75% | S/ 5,667.97 | S/ 11,402.07 | S/ 17,203.09 | S/ 23,071.80 | S/ 508,807.80 |
| 4.55% | S/ 5,433.25 | S/ 10,927.27 | S/ 16,482.74 | S/ 22,100.36 | S/ 507,836.36 |
| 4.50% | S/ 5,374.51 | S/ 10,808.49 | S/ 16,302.60 | S/ 21,857.49 | S/ 507,593.49 |
| 4.40% | S/ 5,256.98 | S/ 10,570.86 | S/ 15,942.25 | S/ 21,371.77 | S/ 507,107.77 |
| 4.30% | S/ 5,139.37 | S/ 10,333.12 | S/ 15,581.82 | S/ 20,886.05 | S/ 506,622.05 |
| 4.25% | S/ 5,080.53 | S/ 10,214.20 | S/ 15,401.57 | S/ 20,643.19 | S/ 506,379.19 |
| 4.20% | S/ 5,021.67 | S/ 10,095.26 | S/ 15,221.30 | S/ 20,400.33 | S/ 506,136.33 |
| 4.15% | S/ 4,962.79 | S/ 9,976.29 | S/ 15,041.00 | S/ 20,157.47 | S/ 505,893.47 |
| 4.00% | S/ 4,786.02 | S/ 9,619.20 | S/ 14,500.00 | S/ 19,428.89 | S/ 505,164.89 |
| 3.90% | S/ 4,668.07 | S/ 9,380.99 | S/ 14,139.21 | S/ 18,943.16 | S/ 504,679.16 |
| 3.75% | S/ 4,490.98 | S/ 9,023.48 | S/ 13,597.88 | S/ 18,214.58 | S/ 503,950.58 |
| 3.50% | S/ 4,195.40 | S/ 8,427.04 | S/ 12,695.22 | S/ 17,000.28 | S/ 502,736.28 |
| 3.00% | S/ 3,602.64 | S/ 7,232.00 | S/ 10,888.27 | S/ 14,571.67 | S/ 500,307.67 |
| 2.75% | S/ 3,305.45 | S/ 6,633.39 | S/ 9,983.97 | S/ 13,357.36 | S/ 499,093.36 |
| 2.50% | S/ 3,007.71 | S/ 6,034.05 | S/ 9,079.12 | S/ 12,143.06 | S/ 497,879.06 |
| 2.00% | S/ 2,410.61 | S/ 4,833.18 | S/ 7,267.77 | S/ 9,714.45 | S/ 495,450.45 |
| 1.35% | S/ 1,631.08 | S/ 3,267.63 | S/ 4,909.69 | S/ 6,557.25 | S/ 492,293.25 |
| 1.00% | S/ 1,209.78 | S/ 2,422.57 | S/ 3,638.38 | S/ 4,857.22 | S/ 490,593.22 |
| 0.10% | S/ 121.39 | S/ 242.80 | S/ 364.25 | S/ 485.72 | S/ 486,221.72 |
Sobre los datos
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Para S/ 485,736 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/ 485,736 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.