Cálculo de intereses
Ahorrando S/ 488,515
Veamos que pasaría si Usted ahorrara 488,515 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2023) 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/ 488,515.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,580.81 | S/ 11,225.38 | S/ 16,934.43 | S/ 22,708.70 | S/ 511,223.70 |
| 8.50% | S/ 10,065.27 | S/ 20,337.93 | S/ 30,822.24 | S/ 41,522.56 | S/ 530,037.56 |
| 8.00% | S/ 9,489.89 | S/ 19,164.13 | S/ 29,026.31 | S/ 39,080.06 | S/ 527,595.06 |
| 7.10% | S/ 8,449.15 | S/ 17,044.44 | S/ 25,788.38 | S/ 34,683.56 | S/ 523,198.56 |
| 7.00% | S/ 8,333.11 | S/ 16,808.37 | S/ 25,428.19 | S/ 34,195.06 | S/ 522,710.06 |
| 6.50% | S/ 7,751.68 | S/ 15,626.36 | S/ 23,625.99 | S/ 31,752.56 | S/ 520,267.56 |
| 6.10% | S/ 7,285.05 | S/ 14,678.75 | S/ 22,182.70 | S/ 29,798.56 | S/ 518,313.56 |
| 6.20% | S/ 7,401.83 | S/ 14,915.82 | S/ 22,543.65 | S/ 30,287.06 | S/ 518,802.06 |
| 5.90% | S/ 7,051.25 | S/ 14,204.27 | S/ 21,460.54 | S/ 28,821.55 | S/ 517,336.55 |
| 5.75% | S/ 6,875.68 | S/ 13,848.12 | S/ 20,918.71 | S/ 28,088.80 | S/ 516,603.80 |
| 5.70% | S/ 6,817.11 | S/ 13,729.35 | S/ 20,738.05 | S/ 27,844.55 | S/ 516,359.55 |
| 5.65% | S/ 6,758.52 | S/ 13,610.55 | S/ 20,557.37 | S/ 27,600.30 | S/ 516,115.30 |
| 5.60% | S/ 6,699.92 | S/ 13,491.72 | S/ 20,376.67 | S/ 27,356.05 | S/ 515,871.05 |
| 5.50% | S/ 6,582.64 | S/ 13,253.98 | S/ 20,015.21 | S/ 26,867.55 | S/ 515,382.55 |
| 5.30% | S/ 6,347.84 | S/ 12,778.16 | S/ 19,292.03 | S/ 25,890.55 | S/ 514,405.55 |
| 5.25% | S/ 6,289.08 | S/ 12,659.13 | S/ 19,111.18 | S/ 25,646.30 | S/ 514,161.30 |
| 5.05% | S/ 6,053.86 | S/ 12,182.74 | S/ 18,387.57 | S/ 24,669.30 | S/ 513,184.30 |
| 5.00% | S/ 5,995.00 | S/ 12,063.57 | S/ 18,206.62 | S/ 24,425.05 | S/ 512,940.05 |
| 4.95% | S/ 5,936.12 | S/ 11,944.38 | S/ 18,025.64 | S/ 24,180.80 | S/ 512,695.80 |
| 4.75% | S/ 5,700.40 | S/ 11,467.31 | S/ 17,301.51 | S/ 23,203.80 | S/ 511,718.80 |
| 4.55% | S/ 5,464.33 | S/ 10,989.78 | S/ 16,577.04 | S/ 22,226.80 | S/ 510,741.80 |
| 4.50% | S/ 5,405.26 | S/ 10,870.33 | S/ 16,395.87 | S/ 21,982.55 | S/ 510,497.55 |
| 4.40% | S/ 5,287.06 | S/ 10,631.34 | S/ 16,033.46 | S/ 21,494.05 | S/ 510,009.05 |
| 4.30% | S/ 5,168.77 | S/ 10,392.23 | S/ 15,670.96 | S/ 21,005.54 | S/ 509,520.54 |
| 4.25% | S/ 5,109.60 | S/ 10,272.64 | S/ 15,489.68 | S/ 20,761.29 | S/ 509,276.29 |
| 4.20% | S/ 5,050.40 | S/ 10,153.01 | S/ 15,308.38 | S/ 20,517.04 | S/ 509,032.04 |
| 4.15% | S/ 4,991.18 | S/ 10,033.36 | S/ 15,127.06 | S/ 20,272.79 | S/ 508,787.79 |
| 4.00% | S/ 4,813.40 | S/ 9,674.23 | S/ 14,582.95 | S/ 19,540.04 | S/ 508,055.04 |
| 3.90% | S/ 4,694.77 | S/ 9,434.67 | S/ 14,220.11 | S/ 19,051.54 | S/ 507,566.54 |
| 3.75% | S/ 4,516.67 | S/ 9,075.10 | S/ 13,675.68 | S/ 18,318.79 | S/ 506,833.79 |
| 3.50% | S/ 4,219.40 | S/ 8,475.25 | S/ 12,767.86 | S/ 17,097.54 | S/ 505,612.54 |
| 3.00% | S/ 3,623.25 | S/ 7,273.37 | S/ 10,950.57 | S/ 14,655.03 | S/ 503,170.03 |
| 2.75% | S/ 3,324.36 | S/ 6,671.34 | S/ 10,041.09 | S/ 13,433.78 | S/ 501,948.78 |
| 2.50% | S/ 3,024.92 | S/ 6,068.57 | S/ 9,131.07 | S/ 12,212.53 | S/ 500,727.53 |
| 2.00% | S/ 2,424.40 | S/ 4,860.83 | S/ 7,309.35 | S/ 9,770.02 | S/ 498,285.02 |
| 1.35% | S/ 1,640.41 | S/ 3,286.33 | S/ 4,937.78 | S/ 6,594.77 | S/ 495,109.77 |
| 1.00% | S/ 1,216.70 | S/ 2,436.43 | S/ 3,659.20 | S/ 4,885.01 | S/ 493,400.01 |
| 0.10% | S/ 122.08 | S/ 244.19 | S/ 366.33 | S/ 488.50 | S/ 489,003.50 |
Sobre los datos
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Para S/ 488,515 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/ 488,515 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.
