Cálculo de intereses
Ahorrando S/ 495,568
Veamos que pasaría si Usted ahorrara 495,568 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/ 495,568.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,661.38 | S/ 11,387.44 | S/ 17,178.92 | S/ 23,036.56 | S/ 518,604.56 |
| 8.50% | S/ 10,210.59 | S/ 20,631.56 | S/ 31,267.24 | S/ 42,122.05 | S/ 537,690.05 |
| 8.00% | S/ 9,626.90 | S/ 19,440.82 | S/ 29,445.38 | S/ 39,644.29 | S/ 535,212.29 |
| 7.10% | S/ 8,571.14 | S/ 17,290.52 | S/ 26,160.71 | S/ 35,184.31 | S/ 530,752.31 |
| 7.00% | S/ 8,453.42 | S/ 17,051.04 | S/ 25,795.32 | S/ 34,688.76 | S/ 530,256.76 |
| 6.50% | S/ 7,863.59 | S/ 15,851.96 | S/ 23,967.09 | S/ 32,210.99 | S/ 527,778.99 |
| 6.10% | S/ 7,390.23 | S/ 14,890.67 | S/ 22,502.96 | S/ 30,228.78 | S/ 525,796.78 |
| 6.20% | S/ 7,508.70 | S/ 15,131.17 | S/ 22,869.13 | S/ 30,724.33 | S/ 526,292.33 |
| 5.90% | S/ 7,153.05 | S/ 14,409.35 | S/ 21,770.38 | S/ 29,237.67 | S/ 524,805.67 |
| 5.75% | S/ 6,974.94 | S/ 14,048.06 | S/ 21,220.72 | S/ 28,494.34 | S/ 524,062.34 |
| 5.70% | S/ 6,915.53 | S/ 13,927.57 | S/ 21,037.46 | S/ 28,246.56 | S/ 523,814.56 |
| 5.65% | S/ 6,856.10 | S/ 13,807.05 | S/ 20,854.17 | S/ 27,998.79 | S/ 523,566.79 |
| 5.60% | S/ 6,796.65 | S/ 13,686.51 | S/ 20,670.86 | S/ 27,751.01 | S/ 523,319.01 |
| 5.50% | S/ 6,677.68 | S/ 13,445.33 | S/ 20,304.18 | S/ 27,255.46 | S/ 522,823.46 |
| 5.30% | S/ 6,439.48 | S/ 12,962.64 | S/ 19,570.56 | S/ 26,264.35 | S/ 521,832.35 |
| 5.25% | S/ 6,379.88 | S/ 12,841.90 | S/ 19,387.10 | S/ 26,016.57 | S/ 521,584.57 |
| 5.05% | S/ 6,141.26 | S/ 12,358.63 | S/ 18,653.05 | S/ 25,025.47 | S/ 520,593.47 |
| 5.00% | S/ 6,081.56 | S/ 12,237.74 | S/ 18,469.48 | S/ 24,777.69 | S/ 520,345.69 |
| 4.95% | S/ 6,021.83 | S/ 12,116.83 | S/ 18,285.89 | S/ 24,529.91 | S/ 520,097.91 |
| 4.75% | S/ 5,782.70 | S/ 11,632.87 | S/ 17,551.31 | S/ 23,538.81 | S/ 519,106.81 |
| 4.55% | S/ 5,543.22 | S/ 11,148.45 | S/ 16,816.37 | S/ 22,547.70 | S/ 518,115.70 |
| 4.50% | S/ 5,483.30 | S/ 11,027.27 | S/ 16,632.59 | S/ 22,299.92 | S/ 517,867.92 |
| 4.40% | S/ 5,363.39 | S/ 10,784.83 | S/ 16,264.94 | S/ 21,804.37 | S/ 517,372.37 |
| 4.30% | S/ 5,243.40 | S/ 10,542.27 | S/ 15,897.22 | S/ 21,308.81 | S/ 516,876.81 |
| 4.25% | S/ 5,183.37 | S/ 10,420.95 | S/ 15,713.32 | S/ 21,061.04 | S/ 516,629.04 |
| 4.20% | S/ 5,123.32 | S/ 10,299.60 | S/ 15,529.40 | S/ 20,813.26 | S/ 516,381.26 |
| 4.15% | S/ 5,063.24 | S/ 10,178.22 | S/ 15,345.45 | S/ 20,565.48 | S/ 516,133.48 |
| 4.00% | S/ 4,882.90 | S/ 9,813.90 | S/ 14,793.50 | S/ 19,822.15 | S/ 515,390.15 |
| 3.90% | S/ 4,762.55 | S/ 9,570.88 | S/ 14,425.41 | S/ 19,326.60 | S/ 514,894.60 |
| 3.75% | S/ 4,581.88 | S/ 9,206.12 | S/ 13,873.12 | S/ 18,583.27 | S/ 514,151.27 |
| 3.50% | S/ 4,280.32 | S/ 8,597.61 | S/ 12,952.19 | S/ 17,344.39 | S/ 512,912.39 |
| 3.00% | S/ 3,675.56 | S/ 7,378.38 | S/ 11,108.67 | S/ 14,866.62 | S/ 510,434.62 |
| 2.75% | S/ 3,372.35 | S/ 6,767.66 | S/ 10,186.06 | S/ 13,627.73 | S/ 509,195.73 |
| 2.50% | S/ 3,068.59 | S/ 6,156.19 | S/ 9,262.90 | S/ 12,388.85 | S/ 507,956.85 |
| 2.00% | S/ 2,459.40 | S/ 4,931.01 | S/ 7,414.88 | S/ 9,911.08 | S/ 505,479.08 |
| 1.35% | S/ 1,664.09 | S/ 3,333.78 | S/ 5,009.07 | S/ 6,689.98 | S/ 502,257.98 |
| 1.00% | S/ 1,234.27 | S/ 2,471.61 | S/ 3,712.03 | S/ 4,955.54 | S/ 500,523.54 |
| 0.10% | S/ 123.84 | S/ 247.72 | S/ 371.62 | S/ 495.55 | S/ 496,063.55 |
Sobre los datos
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Para S/ 495,568 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/ 495,568 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.