Cálculo de intereses
Ahorrando S/ 501,654
Veamos que pasaría si Usted ahorrara 501,654 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/ 501,654.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,730.91 | S/ 11,527.29 | S/ 17,389.89 | S/ 23,319.46 | S/ 524,973.46 |
| 8.50% | S/ 10,335.99 | S/ 20,884.93 | S/ 31,651.23 | S/ 42,639.35 | S/ 544,293.35 |
| 8.00% | S/ 9,745.13 | S/ 19,679.57 | S/ 29,806.99 | S/ 40,131.15 | S/ 541,785.15 |
| 7.10% | S/ 8,676.40 | S/ 17,502.86 | S/ 26,481.98 | S/ 35,616.40 | S/ 537,270.40 |
| 7.00% | S/ 8,557.24 | S/ 17,260.44 | S/ 26,112.11 | S/ 35,114.76 | S/ 536,768.76 |
| 6.50% | S/ 7,960.16 | S/ 16,046.64 | S/ 24,261.43 | S/ 32,606.57 | S/ 534,260.57 |
| 6.10% | S/ 7,480.99 | S/ 15,073.54 | S/ 22,779.32 | S/ 30,600.01 | S/ 532,254.01 |
| 6.20% | S/ 7,600.91 | S/ 15,316.99 | S/ 23,149.98 | S/ 31,101.65 | S/ 532,755.65 |
| 5.90% | S/ 7,240.90 | S/ 14,586.31 | S/ 22,037.74 | S/ 29,596.73 | S/ 531,250.73 |
| 5.75% | S/ 7,060.60 | S/ 14,220.58 | S/ 21,481.33 | S/ 28,844.27 | S/ 530,498.27 |
| 5.70% | S/ 7,000.46 | S/ 14,098.61 | S/ 21,295.82 | S/ 28,593.45 | S/ 530,247.45 |
| 5.65% | S/ 6,940.30 | S/ 13,976.62 | S/ 21,110.28 | S/ 28,342.64 | S/ 529,996.64 |
| 5.60% | S/ 6,880.12 | S/ 13,854.59 | S/ 20,924.72 | S/ 28,091.82 | S/ 529,745.82 |
| 5.50% | S/ 6,759.68 | S/ 13,610.45 | S/ 20,553.54 | S/ 27,590.18 | S/ 529,244.18 |
| 5.30% | S/ 6,518.57 | S/ 13,121.83 | S/ 19,810.91 | S/ 26,586.90 | S/ 528,240.90 |
| 5.25% | S/ 6,458.23 | S/ 12,999.61 | S/ 19,625.19 | S/ 26,336.08 | S/ 527,990.08 |
| 5.05% | S/ 6,216.68 | S/ 12,510.41 | S/ 18,882.12 | S/ 25,332.80 | S/ 526,986.80 |
| 5.00% | S/ 6,156.24 | S/ 12,388.03 | S/ 18,696.30 | S/ 25,081.98 | S/ 526,735.98 |
| 4.95% | S/ 6,095.78 | S/ 12,265.63 | S/ 18,510.45 | S/ 24,831.16 | S/ 526,485.16 |
| 4.75% | S/ 5,853.71 | S/ 11,775.73 | S/ 17,766.85 | S/ 23,827.88 | S/ 525,481.88 |
| 4.55% | S/ 5,611.30 | S/ 11,285.36 | S/ 17,022.89 | S/ 22,824.60 | S/ 524,478.60 |
| 4.50% | S/ 5,550.64 | S/ 11,162.70 | S/ 16,836.85 | S/ 22,573.78 | S/ 524,227.78 |
| 4.40% | S/ 5,429.26 | S/ 10,917.28 | S/ 16,464.69 | S/ 22,072.14 | S/ 523,726.14 |
| 4.30% | S/ 5,307.79 | S/ 10,671.74 | S/ 16,092.45 | S/ 21,570.51 | S/ 523,224.51 |
| 4.25% | S/ 5,247.02 | S/ 10,548.93 | S/ 15,906.29 | S/ 21,319.69 | S/ 522,973.69 |
| 4.20% | S/ 5,186.24 | S/ 10,426.09 | S/ 15,720.11 | S/ 21,068.87 | S/ 522,722.87 |
| 4.15% | S/ 5,125.43 | S/ 10,303.22 | S/ 15,533.91 | S/ 20,818.05 | S/ 522,472.05 |
| 4.00% | S/ 4,942.86 | S/ 9,934.43 | S/ 14,975.17 | S/ 20,065.59 | S/ 521,719.59 |
| 3.90% | S/ 4,821.04 | S/ 9,688.42 | S/ 14,602.57 | S/ 19,563.95 | S/ 521,217.95 |
| 3.75% | S/ 4,638.15 | S/ 9,319.18 | S/ 14,043.50 | S/ 18,811.49 | S/ 520,465.49 |
| 3.50% | S/ 4,332.89 | S/ 8,703.20 | S/ 13,111.26 | S/ 17,557.39 | S/ 519,211.39 |
| 3.00% | S/ 3,720.70 | S/ 7,468.99 | S/ 11,245.09 | S/ 15,049.19 | S/ 516,703.19 |
| 2.75% | S/ 3,413.77 | S/ 6,850.77 | S/ 10,311.16 | S/ 13,795.09 | S/ 515,449.09 |
| 2.50% | S/ 3,106.28 | S/ 6,231.79 | S/ 9,376.66 | S/ 12,540.99 | S/ 514,194.99 |
| 2.00% | S/ 2,489.60 | S/ 4,991.56 | S/ 7,505.94 | S/ 10,032.80 | S/ 511,686.80 |
| 1.35% | S/ 1,684.53 | S/ 3,374.72 | S/ 5,070.58 | S/ 6,772.14 | S/ 508,426.14 |
| 1.00% | S/ 1,249.42 | S/ 2,501.96 | S/ 3,757.62 | S/ 5,016.40 | S/ 506,670.40 |
| 0.10% | S/ 125.36 | S/ 250.76 | S/ 376.18 | S/ 501.64 | S/ 502,155.64 |
Sobre los datos
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Para S/ 501,654 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/ 501,654 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.