Cálculo de intereses
Ahorrando S/ 502,890
Veamos que pasaría si Usted ahorrara 502,890 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/ 502,890.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,745.03 | S/ 11,555.69 | S/ 17,432.74 | S/ 23,376.92 | S/ 526,266.92 |
| 8.50% | S/ 10,361.45 | S/ 20,936.39 | S/ 31,729.21 | S/ 42,744.40 | S/ 545,634.40 |
| 8.00% | S/ 9,769.14 | S/ 19,728.06 | S/ 29,880.43 | S/ 40,230.03 | S/ 543,120.03 |
| 7.10% | S/ 8,697.78 | S/ 17,545.99 | S/ 26,547.23 | S/ 35,704.16 | S/ 538,594.16 |
| 7.00% | S/ 8,578.32 | S/ 17,302.97 | S/ 26,176.44 | S/ 35,201.28 | S/ 538,091.28 |
| 6.50% | S/ 7,979.78 | S/ 16,086.17 | S/ 24,321.20 | S/ 32,686.91 | S/ 535,576.91 |
| 6.10% | S/ 7,499.42 | S/ 15,110.68 | S/ 22,835.45 | S/ 30,675.41 | S/ 533,565.41 |
| 6.20% | S/ 7,619.64 | S/ 15,354.73 | S/ 23,207.02 | S/ 31,178.28 | S/ 534,068.28 |
| 5.90% | S/ 7,258.74 | S/ 14,622.25 | S/ 22,092.04 | S/ 29,669.66 | S/ 532,559.66 |
| 5.75% | S/ 7,078.00 | S/ 14,255.62 | S/ 21,534.26 | S/ 28,915.34 | S/ 531,805.34 |
| 5.70% | S/ 7,017.71 | S/ 14,133.35 | S/ 21,348.29 | S/ 28,663.90 | S/ 531,553.90 |
| 5.65% | S/ 6,957.40 | S/ 14,011.05 | S/ 21,162.29 | S/ 28,412.47 | S/ 531,302.47 |
| 5.60% | S/ 6,897.07 | S/ 13,888.73 | S/ 20,976.28 | S/ 28,161.03 | S/ 531,051.03 |
| 5.50% | S/ 6,776.34 | S/ 13,643.99 | S/ 20,604.18 | S/ 27,658.15 | S/ 530,548.15 |
| 5.30% | S/ 6,534.63 | S/ 13,154.16 | S/ 19,859.72 | S/ 26,652.40 | S/ 529,542.40 |
| 5.25% | S/ 6,474.14 | S/ 13,031.64 | S/ 19,673.55 | S/ 26,400.97 | S/ 529,290.97 |
| 5.05% | S/ 6,232.00 | S/ 12,541.23 | S/ 18,928.65 | S/ 25,395.22 | S/ 528,285.22 |
| 5.00% | S/ 6,171.41 | S/ 12,418.56 | S/ 18,742.36 | S/ 25,143.78 | S/ 528,033.78 |
| 4.95% | S/ 6,110.80 | S/ 12,295.85 | S/ 18,556.06 | S/ 24,892.34 | S/ 527,782.34 |
| 4.75% | S/ 5,868.13 | S/ 11,804.74 | S/ 17,810.63 | S/ 23,886.59 | S/ 526,776.59 |
| 4.55% | S/ 5,625.12 | S/ 11,313.17 | S/ 17,064.84 | S/ 22,880.84 | S/ 525,770.84 |
| 4.50% | S/ 5,564.32 | S/ 11,190.20 | S/ 16,878.33 | S/ 22,629.40 | S/ 525,519.40 |
| 4.40% | S/ 5,442.64 | S/ 10,944.18 | S/ 16,505.26 | S/ 22,126.53 | S/ 525,016.53 |
| 4.30% | S/ 5,320.87 | S/ 10,698.04 | S/ 16,132.10 | S/ 21,623.65 | S/ 524,513.65 |
| 4.25% | S/ 5,259.95 | S/ 10,574.92 | S/ 15,945.48 | S/ 21,372.21 | S/ 524,262.21 |
| 4.20% | S/ 5,199.01 | S/ 10,451.78 | S/ 15,758.84 | S/ 21,120.78 | S/ 524,010.78 |
| 4.15% | S/ 5,138.05 | S/ 10,328.60 | S/ 15,572.18 | S/ 20,869.34 | S/ 523,759.34 |
| 4.00% | S/ 4,955.04 | S/ 9,958.90 | S/ 15,012.07 | S/ 20,115.03 | S/ 523,005.03 |
| 3.90% | S/ 4,832.92 | S/ 9,712.29 | S/ 14,638.55 | S/ 19,612.15 | S/ 522,502.15 |
| 3.75% | S/ 4,649.58 | S/ 9,342.14 | S/ 14,078.10 | S/ 18,857.84 | S/ 521,747.84 |
| 3.50% | S/ 4,343.56 | S/ 8,724.64 | S/ 13,143.56 | S/ 17,600.65 | S/ 520,490.65 |
| 3.00% | S/ 3,729.87 | S/ 7,487.40 | S/ 11,272.80 | S/ 15,086.27 | S/ 517,976.27 |
| 2.75% | S/ 3,422.18 | S/ 6,867.65 | S/ 10,336.56 | S/ 13,829.08 | S/ 516,719.08 |
| 2.50% | S/ 3,113.93 | S/ 6,247.14 | S/ 9,399.76 | S/ 12,571.89 | S/ 515,461.89 |
| 2.00% | S/ 2,495.74 | S/ 5,003.86 | S/ 7,524.43 | S/ 10,057.52 | S/ 512,947.52 |
| 1.35% | S/ 1,688.68 | S/ 3,383.03 | S/ 5,083.07 | S/ 6,788.82 | S/ 509,678.82 |
| 1.00% | S/ 1,252.50 | S/ 2,508.12 | S/ 3,766.87 | S/ 5,028.76 | S/ 507,918.76 |
| 0.10% | S/ 125.67 | S/ 251.38 | S/ 377.11 | S/ 502.88 | S/ 503,392.88 |
Sobre los datos
-
Para S/ 502,890 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 502,890 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
-
En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
-
Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.