Cálculo de intereses
Ahorrando S/ 494,166
Veamos que pasaría si Usted ahorrara 494,166 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/ 494,166.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,645.37 | S/ 11,355.23 | S/ 17,130.32 | S/ 22,971.38 | S/ 517,137.38 |
| 8.50% | S/ 10,181.70 | S/ 20,573.19 | S/ 31,178.78 | S/ 42,002.89 | S/ 536,168.89 |
| 8.00% | S/ 9,599.67 | S/ 19,385.82 | S/ 29,362.07 | S/ 39,532.13 | S/ 533,698.13 |
| 7.10% | S/ 8,546.89 | S/ 17,241.60 | S/ 26,086.70 | S/ 35,084.77 | S/ 529,250.77 |
| 7.00% | S/ 8,429.51 | S/ 17,002.80 | S/ 25,722.34 | S/ 34,590.62 | S/ 528,756.62 |
| 6.50% | S/ 7,841.35 | S/ 15,807.12 | S/ 23,899.29 | S/ 32,119.86 | S/ 526,285.86 |
| 6.10% | S/ 7,369.32 | S/ 14,848.55 | S/ 22,439.30 | S/ 30,143.26 | S/ 524,309.26 |
| 6.20% | S/ 7,487.46 | S/ 15,088.36 | S/ 22,804.43 | S/ 30,637.41 | S/ 524,803.41 |
| 5.90% | S/ 7,132.81 | S/ 14,368.58 | S/ 21,708.79 | S/ 29,154.95 | S/ 523,320.95 |
| 5.75% | S/ 6,955.21 | S/ 14,008.31 | S/ 21,160.69 | S/ 28,413.73 | S/ 522,579.73 |
| 5.70% | S/ 6,895.97 | S/ 13,888.17 | S/ 20,977.94 | S/ 28,166.65 | S/ 522,332.65 |
| 5.65% | S/ 6,836.70 | S/ 13,767.99 | S/ 20,795.17 | S/ 27,919.58 | S/ 522,085.58 |
| 5.60% | S/ 6,777.42 | S/ 13,647.79 | S/ 20,612.39 | S/ 27,672.50 | S/ 521,838.50 |
| 5.50% | S/ 6,658.79 | S/ 13,407.30 | S/ 20,246.74 | S/ 27,178.35 | S/ 521,344.35 |
| 5.30% | S/ 6,421.27 | S/ 12,925.97 | S/ 19,515.20 | S/ 26,190.05 | S/ 520,356.05 |
| 5.25% | S/ 6,361.83 | S/ 12,805.57 | S/ 19,332.26 | S/ 25,942.97 | S/ 520,108.97 |
| 5.05% | S/ 6,123.89 | S/ 12,323.67 | S/ 18,600.28 | S/ 24,954.67 | S/ 519,120.67 |
| 5.00% | S/ 6,064.35 | S/ 12,203.12 | S/ 18,417.23 | S/ 24,707.59 | S/ 518,873.59 |
| 4.95% | S/ 6,004.79 | S/ 12,082.55 | S/ 18,234.16 | S/ 24,460.52 | S/ 518,626.52 |
| 4.75% | S/ 5,766.34 | S/ 11,599.96 | S/ 17,501.65 | S/ 23,472.21 | S/ 517,638.21 |
| 4.55% | S/ 5,527.54 | S/ 11,116.91 | S/ 16,768.80 | S/ 22,483.91 | S/ 516,649.91 |
| 4.50% | S/ 5,467.79 | S/ 10,996.08 | S/ 16,585.53 | S/ 22,236.83 | S/ 516,402.83 |
| 4.40% | S/ 5,348.22 | S/ 10,754.32 | S/ 16,218.93 | S/ 21,742.68 | S/ 515,908.68 |
| 4.30% | S/ 5,228.56 | S/ 10,512.45 | S/ 15,852.24 | S/ 21,248.53 | S/ 515,414.53 |
| 4.25% | S/ 5,168.70 | S/ 10,391.47 | S/ 15,668.86 | S/ 21,001.45 | S/ 515,167.45 |
| 4.20% | S/ 5,108.82 | S/ 10,270.46 | S/ 15,485.46 | S/ 20,754.38 | S/ 514,920.38 |
| 4.15% | S/ 5,048.92 | S/ 10,149.42 | S/ 15,302.04 | S/ 20,507.30 | S/ 514,673.30 |
| 4.00% | S/ 4,869.08 | S/ 9,786.14 | S/ 14,751.64 | S/ 19,766.08 | S/ 513,932.08 |
| 3.90% | S/ 4,749.08 | S/ 9,543.80 | S/ 14,384.60 | S/ 19,271.92 | S/ 513,437.92 |
| 3.75% | S/ 4,568.92 | S/ 9,180.08 | S/ 13,833.87 | S/ 18,530.70 | S/ 512,696.70 |
| 3.50% | S/ 4,268.21 | S/ 8,573.29 | S/ 12,915.55 | S/ 17,295.32 | S/ 511,461.32 |
| 3.00% | S/ 3,665.16 | S/ 7,357.51 | S/ 11,077.24 | S/ 14,824.56 | S/ 508,990.56 |
| 2.75% | S/ 3,362.81 | S/ 6,748.51 | S/ 10,157.25 | S/ 13,589.18 | S/ 507,755.18 |
| 2.50% | S/ 3,059.91 | S/ 6,138.77 | S/ 9,236.69 | S/ 12,353.80 | S/ 506,519.80 |
| 2.00% | S/ 2,452.44 | S/ 4,917.06 | S/ 7,393.90 | S/ 9,883.04 | S/ 504,049.04 |
| 1.35% | S/ 1,659.39 | S/ 3,324.34 | S/ 4,994.89 | S/ 6,671.05 | S/ 500,837.05 |
| 1.00% | S/ 1,230.77 | S/ 2,464.61 | S/ 3,701.53 | S/ 4,941.52 | S/ 499,107.52 |
| 0.10% | S/ 123.49 | S/ 247.01 | S/ 370.57 | S/ 494.15 | S/ 494,660.15 |
Sobre los datos
-
Para S/ 494,166 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 494,166 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
-
En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
-
Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.