Cálculo de intereses
Ahorrando S/ 491,520
Veamos que pasaría si Usted ahorrara 491,520 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/ 491,520.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,615.14 | S/ 11,294.43 | S/ 17,038.59 | S/ 22,848.38 | S/ 514,368.38 |
| 8.50% | S/ 10,127.19 | S/ 20,463.03 | S/ 31,011.83 | S/ 41,777.98 | S/ 533,297.98 |
| 8.00% | S/ 9,548.27 | S/ 19,282.02 | S/ 29,204.86 | S/ 39,320.46 | S/ 530,840.46 |
| 7.10% | S/ 8,501.13 | S/ 17,149.28 | S/ 25,947.01 | S/ 34,896.91 | S/ 526,416.91 |
| 7.00% | S/ 8,384.37 | S/ 16,911.76 | S/ 25,584.61 | S/ 34,405.40 | S/ 525,925.40 |
| 6.50% | S/ 7,799.36 | S/ 15,722.48 | S/ 23,771.32 | S/ 31,947.88 | S/ 523,467.88 |
| 6.10% | S/ 7,329.87 | S/ 14,769.04 | S/ 22,319.15 | S/ 29,981.86 | S/ 521,501.86 |
| 6.20% | S/ 7,447.36 | S/ 15,007.57 | S/ 22,682.32 | S/ 30,473.36 | S/ 521,993.36 |
| 5.90% | S/ 7,094.62 | S/ 14,291.65 | S/ 21,592.56 | S/ 28,998.84 | S/ 520,518.84 |
| 5.75% | S/ 6,917.97 | S/ 13,933.31 | S/ 21,047.38 | S/ 28,261.59 | S/ 519,781.59 |
| 5.70% | S/ 6,859.04 | S/ 13,813.80 | S/ 20,865.62 | S/ 28,015.83 | S/ 519,535.83 |
| 5.65% | S/ 6,800.10 | S/ 13,694.27 | S/ 20,683.83 | S/ 27,770.08 | S/ 519,290.08 |
| 5.60% | S/ 6,741.13 | S/ 13,574.71 | S/ 20,502.02 | S/ 27,524.33 | S/ 519,044.33 |
| 5.50% | S/ 6,623.13 | S/ 13,335.51 | S/ 20,138.33 | S/ 27,032.82 | S/ 518,552.82 |
| 5.30% | S/ 6,386.88 | S/ 12,856.76 | S/ 19,410.70 | S/ 26,049.81 | S/ 517,569.81 |
| 5.25% | S/ 6,327.77 | S/ 12,737.00 | S/ 19,228.74 | S/ 25,804.06 | S/ 517,324.06 |
| 5.05% | S/ 6,091.10 | S/ 12,257.68 | S/ 18,500.68 | S/ 24,821.05 | S/ 516,341.05 |
| 5.00% | S/ 6,031.88 | S/ 12,137.78 | S/ 18,318.61 | S/ 24,575.29 | S/ 516,095.29 |
| 4.95% | S/ 5,972.64 | S/ 12,017.85 | S/ 18,136.52 | S/ 24,329.54 | S/ 515,849.54 |
| 4.75% | S/ 5,735.46 | S/ 11,537.85 | S/ 17,407.94 | S/ 23,346.53 | S/ 514,866.53 |
| 4.55% | S/ 5,497.94 | S/ 11,057.38 | S/ 16,679.01 | S/ 22,363.52 | S/ 513,883.52 |
| 4.50% | S/ 5,438.51 | S/ 10,937.20 | S/ 16,496.72 | S/ 22,117.77 | S/ 513,637.77 |
| 4.40% | S/ 5,319.58 | S/ 10,696.74 | S/ 16,132.09 | S/ 21,626.26 | S/ 513,146.26 |
| 4.30% | S/ 5,200.57 | S/ 10,456.16 | S/ 15,767.36 | S/ 21,134.76 | S/ 512,654.76 |
| 4.25% | S/ 5,141.03 | S/ 10,335.83 | S/ 15,584.96 | S/ 20,889.00 | S/ 512,409.00 |
| 4.20% | S/ 5,081.47 | S/ 10,215.47 | S/ 15,402.55 | S/ 20,643.25 | S/ 512,163.25 |
| 4.15% | S/ 5,021.89 | S/ 10,095.08 | S/ 15,220.11 | S/ 20,397.50 | S/ 511,917.50 |
| 4.00% | S/ 4,843.01 | S/ 9,733.74 | S/ 14,672.66 | S/ 19,660.24 | S/ 511,180.24 |
| 3.90% | S/ 4,723.65 | S/ 9,492.70 | S/ 14,307.58 | S/ 19,168.73 | S/ 510,688.73 |
| 3.75% | S/ 4,544.45 | S/ 9,130.92 | S/ 13,759.80 | S/ 18,431.47 | S/ 509,951.47 |
| 3.50% | S/ 4,245.36 | S/ 8,527.38 | S/ 12,846.39 | S/ 17,202.71 | S/ 508,722.71 |
| 3.00% | S/ 3,645.54 | S/ 7,318.11 | S/ 11,017.93 | S/ 14,745.18 | S/ 506,265.18 |
| 2.75% | S/ 3,344.81 | S/ 6,712.37 | S/ 10,102.86 | S/ 13,516.42 | S/ 505,036.42 |
| 2.50% | S/ 3,043.53 | S/ 6,105.90 | S/ 9,187.24 | S/ 12,287.65 | S/ 503,807.65 |
| 2.00% | S/ 2,439.31 | S/ 4,890.73 | S/ 7,354.31 | S/ 9,830.12 | S/ 501,350.12 |
| 1.35% | S/ 1,650.50 | S/ 3,306.54 | S/ 4,968.15 | S/ 6,635.33 | S/ 498,155.33 |
| 1.00% | S/ 1,224.18 | S/ 2,451.42 | S/ 3,681.71 | S/ 4,915.06 | S/ 496,435.06 |
| 0.10% | S/ 122.83 | S/ 245.69 | S/ 368.58 | S/ 491.51 | S/ 492,011.51 |
Sobre los datos
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Para S/ 491,520 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/ 491,520 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.