Cálculo de intereses
Ahorrando S/ 500,021
Veamos que pasaría si Usted ahorrara 500,021 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/ 500,021.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,712.26 | S/ 11,489.77 | S/ 17,333.28 | S/ 23,243.55 | S/ 523,264.55 |
| 8.50% | S/ 10,302.34 | S/ 20,816.95 | S/ 31,548.19 | S/ 42,500.55 | S/ 542,521.55 |
| 8.00% | S/ 9,713.41 | S/ 19,615.51 | S/ 29,709.96 | S/ 40,000.52 | S/ 540,021.52 |
| 7.10% | S/ 8,648.16 | S/ 17,445.89 | S/ 26,395.78 | S/ 35,500.46 | S/ 535,521.46 |
| 7.00% | S/ 8,529.38 | S/ 17,204.25 | S/ 26,027.11 | S/ 35,000.46 | S/ 535,021.46 |
| 6.50% | S/ 7,934.25 | S/ 15,994.40 | S/ 24,182.45 | S/ 32,500.43 | S/ 532,521.43 |
| 6.10% | S/ 7,456.64 | S/ 15,024.48 | S/ 22,705.17 | S/ 30,500.40 | S/ 530,521.40 |
| 6.20% | S/ 7,576.17 | S/ 15,267.13 | S/ 23,074.62 | S/ 31,000.41 | S/ 531,021.41 |
| 5.90% | S/ 7,217.33 | S/ 14,538.83 | S/ 21,966.01 | S/ 29,500.39 | S/ 529,521.39 |
| 5.75% | S/ 7,037.62 | S/ 14,174.29 | S/ 21,411.40 | S/ 28,750.38 | S/ 528,771.38 |
| 5.70% | S/ 6,977.67 | S/ 14,052.72 | S/ 21,226.49 | S/ 28,500.38 | S/ 528,521.38 |
| 5.65% | S/ 6,917.71 | S/ 13,931.12 | S/ 21,041.56 | S/ 28,250.37 | S/ 528,271.37 |
| 5.60% | S/ 6,857.72 | S/ 13,809.49 | S/ 20,856.61 | S/ 28,000.37 | S/ 528,021.37 |
| 5.50% | S/ 6,737.68 | S/ 13,566.15 | S/ 20,486.63 | S/ 27,500.36 | S/ 527,521.36 |
| 5.30% | S/ 6,497.35 | S/ 13,079.12 | S/ 19,746.42 | S/ 26,500.35 | S/ 526,521.35 |
| 5.25% | S/ 6,437.21 | S/ 12,957.29 | S/ 19,561.31 | S/ 26,250.35 | S/ 526,271.35 |
| 5.05% | S/ 6,196.45 | S/ 12,469.68 | S/ 18,820.66 | S/ 25,250.34 | S/ 525,271.34 |
| 5.00% | S/ 6,136.20 | S/ 12,347.71 | S/ 18,635.44 | S/ 25,000.33 | S/ 525,021.33 |
| 4.95% | S/ 6,075.94 | S/ 12,225.70 | S/ 18,450.20 | S/ 24,750.33 | S/ 524,771.33 |
| 4.75% | S/ 5,834.66 | S/ 11,737.40 | S/ 17,709.02 | S/ 23,750.32 | S/ 523,771.32 |
| 4.55% | S/ 5,593.03 | S/ 11,248.63 | S/ 16,967.48 | S/ 22,750.30 | S/ 522,771.30 |
| 4.50% | S/ 5,532.57 | S/ 11,126.36 | S/ 16,782.04 | S/ 22,500.30 | S/ 522,521.30 |
| 4.40% | S/ 5,411.59 | S/ 10,881.74 | S/ 16,411.10 | S/ 22,000.29 | S/ 522,021.29 |
| 4.30% | S/ 5,290.51 | S/ 10,637.00 | S/ 16,040.06 | S/ 21,500.29 | S/ 521,521.29 |
| 4.25% | S/ 5,229.94 | S/ 10,514.59 | S/ 15,854.51 | S/ 21,250.29 | S/ 521,271.29 |
| 4.20% | S/ 5,169.35 | S/ 10,392.15 | S/ 15,668.94 | S/ 21,000.28 | S/ 521,021.28 |
| 4.15% | S/ 5,108.74 | S/ 10,269.68 | S/ 15,483.34 | S/ 20,750.28 | S/ 520,771.28 |
| 4.00% | S/ 4,926.77 | S/ 9,902.09 | S/ 14,926.43 | S/ 20,000.27 | S/ 520,021.27 |
| 3.90% | S/ 4,805.35 | S/ 9,656.88 | S/ 14,555.03 | S/ 19,500.26 | S/ 519,521.26 |
| 3.75% | S/ 4,623.05 | S/ 9,288.85 | S/ 13,997.78 | S/ 18,750.25 | S/ 518,771.25 |
| 3.50% | S/ 4,318.78 | S/ 8,674.87 | S/ 13,068.58 | S/ 17,500.24 | S/ 517,521.24 |
| 3.00% | S/ 3,708.59 | S/ 7,444.68 | S/ 11,208.48 | S/ 15,000.20 | S/ 515,021.20 |
| 2.75% | S/ 3,402.66 | S/ 6,828.47 | S/ 10,277.59 | S/ 13,750.19 | S/ 513,771.19 |
| 2.50% | S/ 3,096.17 | S/ 6,211.50 | S/ 9,346.13 | S/ 12,500.17 | S/ 512,521.17 |
| 2.00% | S/ 2,481.50 | S/ 4,975.32 | S/ 7,481.51 | S/ 10,000.14 | S/ 510,021.14 |
| 1.35% | S/ 1,679.05 | S/ 3,363.73 | S/ 5,054.07 | S/ 6,750.09 | S/ 506,771.09 |
| 1.00% | S/ 1,245.36 | S/ 2,493.82 | S/ 3,745.38 | S/ 5,000.07 | S/ 505,021.07 |
| 0.10% | S/ 124.95 | S/ 249.94 | S/ 374.96 | S/ 500.01 | S/ 500,521.01 |
Sobre los datos
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Para S/ 500,021 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/ 500,021 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.