Cálculo de intereses
Ahorrando S/ 501,491
Veamos que pasaría si Usted ahorrara 501,491 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/ 501,491.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,729.05 | S/ 11,523.55 | S/ 17,384.24 | S/ 23,311.89 | S/ 524,802.89 |
| 8.50% | S/ 10,332.63 | S/ 20,878.15 | S/ 31,640.94 | S/ 42,625.49 | S/ 544,116.49 |
| 8.00% | S/ 9,741.96 | S/ 19,673.17 | S/ 29,797.31 | S/ 40,118.11 | S/ 541,609.11 |
| 7.10% | S/ 8,673.58 | S/ 17,497.17 | S/ 26,473.38 | S/ 35,604.83 | S/ 537,095.83 |
| 7.00% | S/ 8,554.46 | S/ 17,254.83 | S/ 26,103.62 | S/ 35,103.35 | S/ 536,594.35 |
| 6.50% | S/ 7,957.58 | S/ 16,041.42 | S/ 24,253.54 | S/ 32,595.97 | S/ 534,086.97 |
| 6.10% | S/ 7,478.56 | S/ 15,068.65 | S/ 22,771.92 | S/ 30,590.07 | S/ 532,081.07 |
| 6.20% | S/ 7,598.44 | S/ 15,312.01 | S/ 23,142.46 | S/ 31,091.54 | S/ 532,582.54 |
| 5.90% | S/ 7,238.54 | S/ 14,581.57 | S/ 22,030.58 | S/ 29,587.12 | S/ 531,078.12 |
| 5.75% | S/ 7,058.31 | S/ 14,215.96 | S/ 21,474.35 | S/ 28,834.90 | S/ 530,325.90 |
| 5.70% | S/ 6,998.19 | S/ 14,094.03 | S/ 21,288.90 | S/ 28,584.16 | S/ 530,075.16 |
| 5.65% | S/ 6,938.04 | S/ 13,972.07 | S/ 21,103.42 | S/ 28,333.43 | S/ 529,824.43 |
| 5.60% | S/ 6,877.88 | S/ 13,850.09 | S/ 20,917.92 | S/ 28,082.69 | S/ 529,573.69 |
| 5.50% | S/ 6,757.49 | S/ 13,606.03 | S/ 20,546.86 | S/ 27,581.21 | S/ 529,072.21 |
| 5.30% | S/ 6,516.45 | S/ 13,117.57 | S/ 19,804.47 | S/ 26,578.26 | S/ 528,069.26 |
| 5.25% | S/ 6,456.13 | S/ 12,995.38 | S/ 19,618.82 | S/ 26,327.52 | S/ 527,818.52 |
| 5.05% | S/ 6,214.66 | S/ 12,506.34 | S/ 18,875.99 | S/ 25,324.57 | S/ 526,815.57 |
| 5.00% | S/ 6,154.24 | S/ 12,384.01 | S/ 18,690.22 | S/ 25,073.83 | S/ 526,564.83 |
| 4.95% | S/ 6,093.80 | S/ 12,261.65 | S/ 18,504.44 | S/ 24,823.09 | S/ 526,314.09 |
| 4.75% | S/ 5,851.81 | S/ 11,771.90 | S/ 17,761.08 | S/ 23,820.14 | S/ 525,311.14 |
| 4.55% | S/ 5,609.48 | S/ 11,281.70 | S/ 17,017.36 | S/ 22,817.19 | S/ 524,308.19 |
| 4.50% | S/ 5,548.84 | S/ 11,159.07 | S/ 16,831.38 | S/ 22,566.45 | S/ 524,057.45 |
| 4.40% | S/ 5,427.50 | S/ 10,913.73 | S/ 16,459.34 | S/ 22,064.97 | S/ 523,555.97 |
| 4.30% | S/ 5,306.07 | S/ 10,668.27 | S/ 16,087.22 | S/ 21,563.50 | S/ 523,054.50 |
| 4.25% | S/ 5,245.32 | S/ 10,545.50 | S/ 15,901.12 | S/ 21,312.76 | S/ 522,803.76 |
| 4.20% | S/ 5,184.55 | S/ 10,422.70 | S/ 15,715.00 | S/ 21,062.02 | S/ 522,553.02 |
| 4.15% | S/ 5,123.76 | S/ 10,299.87 | S/ 15,528.86 | S/ 20,811.28 | S/ 522,302.28 |
| 4.00% | S/ 4,941.26 | S/ 9,931.20 | S/ 14,970.31 | S/ 20,059.07 | S/ 521,550.07 |
| 3.90% | S/ 4,819.48 | S/ 9,685.27 | S/ 14,597.82 | S/ 19,557.59 | S/ 521,048.59 |
| 3.75% | S/ 4,636.64 | S/ 9,316.16 | S/ 14,038.93 | S/ 18,805.38 | S/ 520,296.38 |
| 3.50% | S/ 4,331.48 | S/ 8,700.37 | S/ 13,107.00 | S/ 17,551.69 | S/ 519,042.69 |
| 3.00% | S/ 3,719.49 | S/ 7,466.57 | S/ 11,241.44 | S/ 15,044.30 | S/ 516,535.30 |
| 2.75% | S/ 3,412.66 | S/ 6,848.54 | S/ 10,307.81 | S/ 13,790.61 | S/ 515,281.61 |
| 2.50% | S/ 3,105.27 | S/ 6,229.77 | S/ 9,373.61 | S/ 12,536.92 | S/ 514,027.92 |
| 2.00% | S/ 2,488.80 | S/ 4,989.94 | S/ 7,503.50 | S/ 10,029.54 | S/ 511,520.54 |
| 1.35% | S/ 1,683.98 | S/ 3,373.62 | S/ 5,068.93 | S/ 6,769.94 | S/ 508,260.94 |
| 1.00% | S/ 1,249.02 | S/ 2,501.15 | S/ 3,756.39 | S/ 5,014.77 | S/ 506,505.77 |
| 0.10% | S/ 125.32 | S/ 250.68 | S/ 376.06 | S/ 501.48 | S/ 501,992.48 |
Sobre los datos
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Para S/ 501,491 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/ 501,491 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.