Cálculo de intereses
Ahorrando S/ 494,622
Veamos que pasaría si Usted ahorrara 494,622 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/ 494,622.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,650.58 | S/ 11,365.71 | S/ 17,146.13 | S/ 22,992.58 | S/ 517,614.58 |
| 8.50% | S/ 10,191.10 | S/ 20,592.17 | S/ 31,207.55 | S/ 42,041.64 | S/ 536,663.64 |
| 8.00% | S/ 9,608.53 | S/ 19,403.71 | S/ 29,389.17 | S/ 39,568.61 | S/ 534,190.61 |
| 7.10% | S/ 8,554.78 | S/ 17,257.51 | S/ 26,110.77 | S/ 35,117.14 | S/ 529,739.14 |
| 7.00% | S/ 8,437.28 | S/ 17,018.49 | S/ 25,746.08 | S/ 34,622.54 | S/ 529,244.54 |
| 6.50% | S/ 7,848.58 | S/ 15,821.70 | S/ 23,921.34 | S/ 32,149.50 | S/ 526,771.50 |
| 6.10% | S/ 7,376.13 | S/ 14,862.25 | S/ 22,460.01 | S/ 30,171.07 | S/ 524,793.07 |
| 6.20% | S/ 7,494.36 | S/ 15,102.28 | S/ 22,825.47 | S/ 30,665.68 | S/ 525,287.68 |
| 5.90% | S/ 7,139.40 | S/ 14,381.84 | S/ 21,728.83 | S/ 29,181.86 | S/ 523,803.86 |
| 5.75% | S/ 6,961.63 | S/ 14,021.24 | S/ 21,180.21 | S/ 28,439.95 | S/ 523,061.95 |
| 5.70% | S/ 6,902.33 | S/ 13,900.98 | S/ 20,997.30 | S/ 28,192.64 | S/ 522,814.64 |
| 5.65% | S/ 6,843.01 | S/ 13,780.70 | S/ 20,814.36 | S/ 27,945.34 | S/ 522,567.34 |
| 5.60% | S/ 6,783.67 | S/ 13,660.38 | S/ 20,631.41 | S/ 27,698.04 | S/ 522,320.04 |
| 5.50% | S/ 6,664.93 | S/ 13,419.67 | S/ 20,265.43 | S/ 27,203.43 | S/ 521,825.43 |
| 5.30% | S/ 6,427.19 | S/ 12,937.90 | S/ 19,533.20 | S/ 26,214.21 | S/ 520,836.21 |
| 5.25% | S/ 6,367.70 | S/ 12,817.38 | S/ 19,350.10 | S/ 25,966.91 | S/ 520,588.91 |
| 5.05% | S/ 6,129.54 | S/ 12,335.04 | S/ 18,617.44 | S/ 24,977.69 | S/ 519,599.69 |
| 5.00% | S/ 6,069.95 | S/ 12,214.38 | S/ 18,434.22 | S/ 24,730.39 | S/ 519,352.39 |
| 4.95% | S/ 6,010.33 | S/ 12,093.70 | S/ 18,250.98 | S/ 24,483.09 | S/ 519,105.09 |
| 4.75% | S/ 5,771.66 | S/ 11,610.66 | S/ 17,517.80 | S/ 23,493.87 | S/ 518,115.87 |
| 4.55% | S/ 5,532.64 | S/ 11,127.17 | S/ 16,784.27 | S/ 22,504.66 | S/ 517,126.66 |
| 4.50% | S/ 5,472.83 | S/ 11,006.22 | S/ 16,600.84 | S/ 22,257.35 | S/ 516,879.35 |
| 4.40% | S/ 5,353.15 | S/ 10,764.24 | S/ 16,233.90 | S/ 21,762.75 | S/ 516,384.75 |
| 4.30% | S/ 5,233.39 | S/ 10,522.15 | S/ 15,866.87 | S/ 21,268.14 | S/ 515,890.14 |
| 4.25% | S/ 5,173.47 | S/ 10,401.06 | S/ 15,683.32 | S/ 21,020.83 | S/ 515,642.83 |
| 4.20% | S/ 5,113.54 | S/ 10,279.94 | S/ 15,499.75 | S/ 20,773.53 | S/ 515,395.53 |
| 4.15% | S/ 5,053.58 | S/ 10,158.79 | S/ 15,316.16 | S/ 20,526.23 | S/ 515,148.23 |
| 4.00% | S/ 4,873.57 | S/ 9,795.17 | S/ 14,765.26 | S/ 19,784.32 | S/ 514,406.32 |
| 3.90% | S/ 4,753.46 | S/ 9,552.61 | S/ 14,397.88 | S/ 19,289.71 | S/ 513,911.71 |
| 3.75% | S/ 4,573.13 | S/ 9,188.55 | S/ 13,846.64 | S/ 18,547.80 | S/ 513,169.80 |
| 3.50% | S/ 4,272.15 | S/ 8,581.20 | S/ 12,927.47 | S/ 17,311.28 | S/ 511,933.28 |
| 3.00% | S/ 3,668.54 | S/ 7,364.30 | S/ 11,087.46 | S/ 14,838.24 | S/ 509,460.24 |
| 2.75% | S/ 3,365.92 | S/ 6,754.74 | S/ 10,166.62 | S/ 13,601.72 | S/ 508,223.72 |
| 2.50% | S/ 3,062.74 | S/ 6,144.44 | S/ 9,245.22 | S/ 12,365.20 | S/ 506,987.20 |
| 2.00% | S/ 2,454.71 | S/ 4,921.59 | S/ 7,400.73 | S/ 9,892.16 | S/ 504,514.16 |
| 1.35% | S/ 1,660.92 | S/ 3,327.41 | S/ 4,999.50 | S/ 6,677.21 | S/ 501,299.21 |
| 1.00% | S/ 1,231.91 | S/ 2,466.89 | S/ 3,704.94 | S/ 4,946.08 | S/ 499,568.08 |
| 0.10% | S/ 123.61 | S/ 247.24 | S/ 370.91 | S/ 494.61 | S/ 495,116.61 |
Sobre los datos
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Para S/ 494,622 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/ 494,622 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.