Cálculo de intereses
Ahorrando S/ 492,659
Veamos que pasaría si Usted ahorrara 492,659 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/ 492,659.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,628.15 | S/ 11,320.60 | S/ 17,078.08 | S/ 22,901.33 | S/ 515,560.33 |
| 8.50% | S/ 10,150.65 | S/ 20,510.45 | S/ 31,083.70 | S/ 41,874.79 | S/ 534,533.79 |
| 8.00% | S/ 9,570.39 | S/ 19,326.70 | S/ 29,272.53 | S/ 39,411.57 | S/ 532,070.57 |
| 7.10% | S/ 8,520.83 | S/ 17,189.02 | S/ 26,007.14 | S/ 34,977.78 | S/ 527,636.78 |
| 7.00% | S/ 8,403.80 | S/ 16,950.95 | S/ 25,643.90 | S/ 34,485.13 | S/ 527,144.13 |
| 6.50% | S/ 7,817.43 | S/ 15,758.91 | S/ 23,826.40 | S/ 32,021.91 | S/ 524,680.91 |
| 6.10% | S/ 7,346.85 | S/ 14,803.26 | S/ 22,370.87 | S/ 30,051.33 | S/ 522,710.33 |
| 6.20% | S/ 7,464.62 | S/ 15,042.34 | S/ 22,734.88 | S/ 30,543.98 | S/ 523,202.98 |
| 5.90% | S/ 7,111.06 | S/ 14,324.77 | S/ 21,642.59 | S/ 29,066.04 | S/ 521,725.04 |
| 5.75% | S/ 6,934.00 | S/ 13,965.59 | S/ 21,096.16 | S/ 28,327.08 | S/ 520,986.08 |
| 5.70% | S/ 6,874.94 | S/ 13,845.81 | S/ 20,913.97 | S/ 28,080.75 | S/ 520,739.75 |
| 5.65% | S/ 6,815.85 | S/ 13,726.01 | S/ 20,731.76 | S/ 27,834.43 | S/ 520,493.43 |
| 5.60% | S/ 6,756.75 | S/ 13,606.17 | S/ 20,549.53 | S/ 27,588.11 | S/ 520,247.11 |
| 5.50% | S/ 6,638.48 | S/ 13,366.41 | S/ 20,185.00 | S/ 27,095.47 | S/ 519,754.47 |
| 5.30% | S/ 6,401.68 | S/ 12,886.55 | S/ 19,455.68 | S/ 26,110.18 | S/ 518,769.18 |
| 5.25% | S/ 6,342.43 | S/ 12,766.51 | S/ 19,273.30 | S/ 25,863.85 | S/ 518,522.85 |
| 5.05% | S/ 6,105.21 | S/ 12,286.09 | S/ 18,543.55 | S/ 24,878.57 | S/ 517,537.57 |
| 5.00% | S/ 6,045.86 | S/ 12,165.91 | S/ 18,361.06 | S/ 24,632.24 | S/ 517,291.24 |
| 4.95% | S/ 5,986.48 | S/ 12,045.70 | S/ 18,178.55 | S/ 24,385.92 | S/ 517,044.92 |
| 4.75% | S/ 5,748.75 | S/ 11,564.58 | S/ 17,448.28 | S/ 23,400.63 | S/ 516,059.63 |
| 4.55% | S/ 5,510.68 | S/ 11,083.01 | S/ 16,717.66 | S/ 22,415.34 | S/ 515,074.34 |
| 4.50% | S/ 5,451.11 | S/ 10,962.54 | S/ 16,534.95 | S/ 22,169.02 | S/ 514,828.02 |
| 4.40% | S/ 5,331.91 | S/ 10,721.52 | S/ 16,169.47 | S/ 21,676.38 | S/ 514,335.38 |
| 4.30% | S/ 5,212.62 | S/ 10,480.39 | S/ 15,803.90 | S/ 21,183.73 | S/ 513,842.73 |
| 4.25% | S/ 5,152.94 | S/ 10,359.78 | S/ 15,621.08 | S/ 20,937.41 | S/ 513,596.41 |
| 4.20% | S/ 5,093.24 | S/ 10,239.14 | S/ 15,438.24 | S/ 20,691.09 | S/ 513,350.09 |
| 4.15% | S/ 5,033.52 | S/ 10,118.47 | S/ 15,255.38 | S/ 20,444.76 | S/ 513,103.76 |
| 4.00% | S/ 4,854.23 | S/ 9,756.30 | S/ 14,706.66 | S/ 19,705.80 | S/ 512,364.80 |
| 3.90% | S/ 4,734.60 | S/ 9,514.70 | S/ 14,340.74 | S/ 19,213.15 | S/ 511,872.15 |
| 3.75% | S/ 4,554.98 | S/ 9,152.08 | S/ 13,791.69 | S/ 18,474.19 | S/ 511,133.19 |
| 3.50% | S/ 4,255.20 | S/ 8,547.14 | S/ 12,876.16 | S/ 17,242.57 | S/ 509,901.57 |
| 3.00% | S/ 3,653.98 | S/ 7,335.07 | S/ 11,043.46 | S/ 14,779.35 | S/ 507,438.35 |
| 2.75% | S/ 3,352.56 | S/ 6,727.93 | S/ 10,126.27 | S/ 13,547.74 | S/ 506,206.74 |
| 2.50% | S/ 3,050.58 | S/ 6,120.05 | S/ 9,208.53 | S/ 12,316.13 | S/ 504,975.13 |
| 2.00% | S/ 2,444.96 | S/ 4,902.06 | S/ 7,371.35 | S/ 9,852.90 | S/ 502,511.90 |
| 1.35% | S/ 1,654.33 | S/ 3,314.21 | S/ 4,979.66 | S/ 6,650.71 | S/ 499,309.71 |
| 1.00% | S/ 1,227.02 | S/ 2,457.10 | S/ 3,690.24 | S/ 4,926.45 | S/ 497,585.45 |
| 0.10% | S/ 123.12 | S/ 246.26 | S/ 369.44 | S/ 492.65 | S/ 493,151.65 |
Sobre los datos
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Para S/ 492,659 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/ 492,659 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.
