Cálculo de intereses
Ahorrando S/ 493,353
Veamos que pasaría si Usted ahorrara 493,353 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/ 493,353.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,636.08 | S/ 11,336.55 | S/ 17,102.14 | S/ 22,933.59 | S/ 516,286.59 |
| 8.50% | S/ 10,164.95 | S/ 20,539.34 | S/ 31,127.48 | S/ 41,933.78 | S/ 535,286.78 |
| 8.00% | S/ 9,583.87 | S/ 19,353.92 | S/ 29,313.77 | S/ 39,467.09 | S/ 532,820.09 |
| 7.10% | S/ 8,532.83 | S/ 17,213.24 | S/ 26,043.78 | S/ 35,027.05 | S/ 528,380.05 |
| 7.00% | S/ 8,415.64 | S/ 16,974.83 | S/ 25,680.02 | S/ 34,533.71 | S/ 527,886.71 |
| 6.50% | S/ 7,828.44 | S/ 15,781.11 | S/ 23,859.97 | S/ 32,067.02 | S/ 525,420.02 |
| 6.10% | S/ 7,357.20 | S/ 14,824.12 | S/ 22,402.39 | S/ 30,093.67 | S/ 523,446.67 |
| 6.20% | S/ 7,475.14 | S/ 15,063.53 | S/ 22,766.91 | S/ 30,587.00 | S/ 523,940.00 |
| 5.90% | S/ 7,121.08 | S/ 14,344.94 | S/ 21,673.08 | S/ 29,106.99 | S/ 522,459.99 |
| 5.75% | S/ 6,943.77 | S/ 13,985.27 | S/ 21,125.87 | S/ 28,366.98 | S/ 521,719.98 |
| 5.70% | S/ 6,884.62 | S/ 13,865.32 | S/ 20,943.43 | S/ 28,120.31 | S/ 521,473.31 |
| 5.65% | S/ 6,825.46 | S/ 13,745.34 | S/ 20,760.96 | S/ 27,873.64 | S/ 521,226.64 |
| 5.60% | S/ 6,766.27 | S/ 13,625.34 | S/ 20,578.47 | S/ 27,626.97 | S/ 520,979.97 |
| 5.50% | S/ 6,647.83 | S/ 13,385.24 | S/ 20,213.43 | S/ 27,133.63 | S/ 520,486.63 |
| 5.30% | S/ 6,410.70 | S/ 12,904.70 | S/ 19,483.09 | S/ 26,146.96 | S/ 519,499.96 |
| 5.25% | S/ 6,351.37 | S/ 12,784.50 | S/ 19,300.45 | S/ 25,900.29 | S/ 519,253.29 |
| 5.05% | S/ 6,113.81 | S/ 12,303.39 | S/ 18,569.68 | S/ 24,913.61 | S/ 518,266.61 |
| 5.00% | S/ 6,054.37 | S/ 12,183.04 | S/ 18,386.93 | S/ 24,666.94 | S/ 518,019.94 |
| 4.95% | S/ 5,994.91 | S/ 12,062.67 | S/ 18,204.16 | S/ 24,420.27 | S/ 517,773.27 |
| 4.75% | S/ 5,756.85 | S/ 11,580.87 | S/ 17,472.86 | S/ 23,433.60 | S/ 516,786.60 |
| 4.55% | S/ 5,518.45 | S/ 11,098.62 | S/ 16,741.21 | S/ 22,446.92 | S/ 515,799.92 |
| 4.50% | S/ 5,458.79 | S/ 10,977.98 | S/ 16,558.25 | S/ 22,200.25 | S/ 515,553.25 |
| 4.40% | S/ 5,339.42 | S/ 10,736.63 | S/ 16,192.25 | S/ 21,706.91 | S/ 515,059.91 |
| 4.30% | S/ 5,219.96 | S/ 10,495.15 | S/ 15,826.16 | S/ 21,213.57 | S/ 514,566.57 |
| 4.25% | S/ 5,160.20 | S/ 10,374.37 | S/ 15,643.08 | S/ 20,966.90 | S/ 514,319.90 |
| 4.20% | S/ 5,100.42 | S/ 10,253.56 | S/ 15,459.99 | S/ 20,720.23 | S/ 514,073.23 |
| 4.15% | S/ 5,040.61 | S/ 10,132.73 | S/ 15,276.87 | S/ 20,473.56 | S/ 513,826.56 |
| 4.00% | S/ 4,861.07 | S/ 9,770.04 | S/ 14,727.37 | S/ 19,733.56 | S/ 513,086.56 |
| 3.90% | S/ 4,741.27 | S/ 9,528.10 | S/ 14,360.94 | S/ 19,240.22 | S/ 512,593.22 |
| 3.75% | S/ 4,561.40 | S/ 9,164.98 | S/ 13,811.11 | S/ 18,500.21 | S/ 511,853.21 |
| 3.50% | S/ 4,261.19 | S/ 8,559.18 | S/ 12,894.30 | S/ 17,266.86 | S/ 510,619.86 |
| 3.00% | S/ 3,659.13 | S/ 7,345.40 | S/ 11,059.01 | S/ 14,800.17 | S/ 508,153.17 |
| 2.75% | S/ 3,357.28 | S/ 6,737.41 | S/ 10,140.54 | S/ 13,566.82 | S/ 506,919.82 |
| 2.50% | S/ 3,054.88 | S/ 6,128.67 | S/ 9,221.50 | S/ 12,333.48 | S/ 505,686.48 |
| 2.00% | S/ 2,448.41 | S/ 4,908.97 | S/ 7,381.74 | S/ 9,866.78 | S/ 503,219.78 |
| 1.35% | S/ 1,656.66 | S/ 3,318.88 | S/ 4,986.68 | S/ 6,660.08 | S/ 500,013.08 |
| 1.00% | S/ 1,228.75 | S/ 2,460.56 | S/ 3,695.44 | S/ 4,933.39 | S/ 498,286.39 |
| 0.10% | S/ 123.29 | S/ 246.61 | S/ 369.96 | S/ 493.34 | S/ 493,846.34 |
Sobre los datos
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Para S/ 493,353 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/ 493,353 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.