Cálculo de intereses
Ahorrando S/ 496,178
Veamos que pasaría si Usted ahorrara 496,178 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/ 496,178.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,668.35 | S/ 11,401.46 | S/ 17,200.06 | S/ 23,064.91 | S/ 519,242.91 |
| 8.50% | S/ 10,223.16 | S/ 20,656.95 | S/ 31,305.72 | S/ 42,173.90 | S/ 538,351.90 |
| 8.00% | S/ 9,638.75 | S/ 19,464.75 | S/ 29,481.62 | S/ 39,693.09 | S/ 535,871.09 |
| 7.10% | S/ 8,581.69 | S/ 17,311.80 | S/ 26,192.91 | S/ 35,227.62 | S/ 531,405.62 |
| 7.00% | S/ 8,463.83 | S/ 17,072.03 | S/ 25,827.07 | S/ 34,731.45 | S/ 530,909.45 |
| 6.50% | S/ 7,873.27 | S/ 15,871.48 | S/ 23,996.59 | S/ 32,250.64 | S/ 528,428.64 |
| 6.10% | S/ 7,399.33 | S/ 14,909.00 | S/ 22,530.66 | S/ 30,265.99 | S/ 526,443.99 |
| 6.20% | S/ 7,517.94 | S/ 15,149.79 | S/ 22,897.28 | S/ 30,762.15 | S/ 526,940.15 |
| 5.90% | S/ 7,161.86 | S/ 14,427.09 | S/ 21,797.18 | S/ 29,273.66 | S/ 525,451.66 |
| 5.75% | S/ 6,983.53 | S/ 14,065.35 | S/ 21,246.84 | S/ 28,529.41 | S/ 524,707.41 |
| 5.70% | S/ 6,924.04 | S/ 13,944.71 | S/ 21,063.35 | S/ 28,281.33 | S/ 524,459.33 |
| 5.65% | S/ 6,864.54 | S/ 13,824.05 | S/ 20,879.84 | S/ 28,033.25 | S/ 524,211.25 |
| 5.60% | S/ 6,805.01 | S/ 13,703.36 | S/ 20,696.31 | S/ 27,785.17 | S/ 523,963.17 |
| 5.50% | S/ 6,685.90 | S/ 13,461.88 | S/ 20,329.18 | S/ 27,289.01 | S/ 523,467.01 |
| 5.30% | S/ 6,447.41 | S/ 12,978.60 | S/ 19,594.65 | S/ 26,296.68 | S/ 522,474.68 |
| 5.25% | S/ 6,387.73 | S/ 12,857.70 | S/ 19,410.97 | S/ 26,048.60 | S/ 522,226.60 |
| 5.05% | S/ 6,148.82 | S/ 12,373.84 | S/ 18,676.01 | S/ 25,056.27 | S/ 521,234.27 |
| 5.00% | S/ 6,089.04 | S/ 12,252.81 | S/ 18,492.21 | S/ 24,808.19 | S/ 520,986.19 |
| 4.95% | S/ 6,029.24 | S/ 12,131.74 | S/ 18,308.40 | S/ 24,560.11 | S/ 520,738.11 |
| 4.75% | S/ 5,789.81 | S/ 11,647.19 | S/ 17,572.91 | S/ 23,567.78 | S/ 519,745.78 |
| 4.55% | S/ 5,550.05 | S/ 11,162.17 | S/ 16,837.07 | S/ 22,575.45 | S/ 518,753.45 |
| 4.50% | S/ 5,490.05 | S/ 11,040.85 | S/ 16,653.06 | S/ 22,327.37 | S/ 518,505.37 |
| 4.40% | S/ 5,369.99 | S/ 10,798.11 | S/ 16,284.97 | S/ 21,831.21 | S/ 518,009.21 |
| 4.30% | S/ 5,249.85 | S/ 10,555.25 | S/ 15,916.78 | S/ 21,335.04 | S/ 517,513.04 |
| 4.25% | S/ 5,189.75 | S/ 10,433.78 | S/ 15,732.66 | S/ 21,086.96 | S/ 517,264.96 |
| 4.20% | S/ 5,129.62 | S/ 10,312.28 | S/ 15,548.51 | S/ 20,838.88 | S/ 517,016.88 |
| 4.15% | S/ 5,069.48 | S/ 10,190.75 | S/ 15,364.34 | S/ 20,590.80 | S/ 516,768.80 |
| 4.00% | S/ 4,888.91 | S/ 9,825.98 | S/ 14,811.71 | S/ 19,846.55 | S/ 516,024.55 |
| 3.90% | S/ 4,768.42 | S/ 9,582.66 | S/ 14,443.17 | S/ 19,350.39 | S/ 515,528.39 |
| 3.75% | S/ 4,587.52 | S/ 9,217.46 | S/ 13,890.20 | S/ 18,606.14 | S/ 514,784.14 |
| 3.50% | S/ 4,285.59 | S/ 8,608.20 | S/ 12,968.14 | S/ 17,365.74 | S/ 513,543.74 |
| 3.00% | S/ 3,680.08 | S/ 7,387.46 | S/ 11,122.34 | S/ 14,884.92 | S/ 511,062.92 |
| 2.75% | S/ 3,376.50 | S/ 6,775.99 | S/ 10,198.60 | S/ 13,644.51 | S/ 509,822.51 |
| 2.50% | S/ 3,072.37 | S/ 6,163.76 | S/ 9,274.30 | S/ 12,404.10 | S/ 508,582.10 |
| 2.00% | S/ 2,462.43 | S/ 4,937.08 | S/ 7,424.01 | S/ 9,923.28 | S/ 506,101.28 |
| 1.35% | S/ 1,666.14 | S/ 3,337.88 | S/ 5,015.23 | S/ 6,698.21 | S/ 502,876.21 |
| 1.00% | S/ 1,235.79 | S/ 2,474.65 | S/ 3,716.60 | S/ 4,961.64 | S/ 501,139.64 |
| 0.10% | S/ 123.99 | S/ 248.02 | S/ 372.08 | S/ 496.16 | S/ 496,674.16 |
Sobre los datos
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Para S/ 496,178 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/ 496,178 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.