Cálculo de intereses
Ahorrando S/ 504,295
Veamos que pasaría si Usted ahorrara 504,295 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/ 504,295.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,761.08 | S/ 11,587.98 | S/ 17,481.44 | S/ 23,442.23 | S/ 527,737.23 |
| 8.50% | S/ 10,390.40 | S/ 20,994.88 | S/ 31,817.86 | S/ 42,863.83 | S/ 547,158.83 |
| 8.00% | S/ 9,796.43 | S/ 19,783.17 | S/ 29,963.91 | S/ 40,342.43 | S/ 544,637.43 |
| 7.10% | S/ 8,722.08 | S/ 17,595.01 | S/ 26,621.40 | S/ 35,803.91 | S/ 540,098.91 |
| 7.00% | S/ 8,602.29 | S/ 17,351.31 | S/ 26,249.58 | S/ 35,299.63 | S/ 539,594.63 |
| 6.50% | S/ 8,002.07 | S/ 16,131.12 | S/ 24,389.15 | S/ 32,778.23 | S/ 537,073.23 |
| 6.10% | S/ 7,520.38 | S/ 15,152.90 | S/ 22,899.24 | S/ 30,761.11 | S/ 535,056.11 |
| 6.20% | S/ 7,640.93 | S/ 15,397.63 | S/ 23,271.85 | S/ 31,265.39 | S/ 535,560.39 |
| 5.90% | S/ 7,279.02 | S/ 14,663.10 | S/ 22,153.76 | S/ 29,752.55 | S/ 534,047.55 |
| 5.75% | S/ 7,097.77 | S/ 14,295.44 | S/ 21,594.42 | S/ 28,996.13 | S/ 533,291.13 |
| 5.70% | S/ 7,037.32 | S/ 14,172.84 | S/ 21,407.93 | S/ 28,743.99 | S/ 533,038.99 |
| 5.65% | S/ 6,976.84 | S/ 14,050.20 | S/ 21,221.42 | S/ 28,491.85 | S/ 532,786.85 |
| 5.60% | S/ 6,916.34 | S/ 13,927.53 | S/ 21,034.88 | S/ 28,239.71 | S/ 532,534.71 |
| 5.50% | S/ 6,795.27 | S/ 13,682.11 | S/ 20,661.74 | S/ 27,735.43 | S/ 532,030.43 |
| 5.30% | S/ 6,552.88 | S/ 13,190.92 | S/ 19,915.20 | S/ 26,726.87 | S/ 531,021.87 |
| 5.25% | S/ 6,492.23 | S/ 13,068.04 | S/ 19,728.51 | S/ 26,474.73 | S/ 530,769.73 |
| 5.05% | S/ 6,249.41 | S/ 12,576.27 | S/ 18,981.53 | S/ 25,466.17 | S/ 529,761.17 |
| 5.00% | S/ 6,188.65 | S/ 12,453.25 | S/ 18,794.73 | S/ 25,214.03 | S/ 529,509.03 |
| 4.95% | S/ 6,127.87 | S/ 12,330.20 | S/ 18,607.90 | S/ 24,961.89 | S/ 529,256.89 |
| 4.75% | S/ 5,884.53 | S/ 11,837.72 | S/ 17,860.39 | S/ 23,953.33 | S/ 528,248.33 |
| 4.55% | S/ 5,640.84 | S/ 11,344.78 | S/ 17,112.51 | S/ 22,944.77 | S/ 527,239.77 |
| 4.50% | S/ 5,579.86 | S/ 11,221.46 | S/ 16,925.49 | S/ 22,692.63 | S/ 526,987.63 |
| 4.40% | S/ 5,457.84 | S/ 10,974.75 | S/ 16,551.37 | S/ 22,188.35 | S/ 526,483.35 |
| 4.30% | S/ 5,335.73 | S/ 10,727.92 | S/ 16,177.17 | S/ 21,684.06 | S/ 525,979.06 |
| 4.25% | S/ 5,274.65 | S/ 10,604.47 | S/ 15,990.03 | S/ 21,431.92 | S/ 525,726.92 |
| 4.20% | S/ 5,213.54 | S/ 10,480.98 | S/ 15,802.87 | S/ 21,179.78 | S/ 525,474.78 |
| 4.15% | S/ 5,152.41 | S/ 10,357.46 | S/ 15,615.69 | S/ 20,927.64 | S/ 525,222.64 |
| 4.00% | S/ 4,968.88 | S/ 9,986.73 | S/ 15,054.01 | S/ 20,171.22 | S/ 524,466.22 |
| 3.90% | S/ 4,846.42 | S/ 9,739.42 | S/ 14,679.45 | S/ 19,666.94 | S/ 523,961.94 |
| 3.75% | S/ 4,662.57 | S/ 9,368.25 | S/ 14,117.43 | S/ 18,910.52 | S/ 523,205.52 |
| 3.50% | S/ 4,355.70 | S/ 8,749.02 | S/ 13,180.28 | S/ 17,649.82 | S/ 521,944.82 |
| 3.00% | S/ 3,740.29 | S/ 7,508.32 | S/ 11,304.29 | S/ 15,128.42 | S/ 519,423.42 |
| 2.75% | S/ 3,431.74 | S/ 6,886.83 | S/ 10,365.44 | S/ 13,867.72 | S/ 518,162.72 |
| 2.50% | S/ 3,122.63 | S/ 6,264.60 | S/ 9,426.02 | S/ 12,607.02 | S/ 516,902.02 |
| 2.00% | S/ 2,502.71 | S/ 5,017.84 | S/ 7,545.46 | S/ 10,085.61 | S/ 514,380.61 |
| 1.35% | S/ 1,693.40 | S/ 3,392.48 | S/ 5,097.28 | S/ 6,807.79 | S/ 511,102.79 |
| 1.00% | S/ 1,256.00 | S/ 2,515.13 | S/ 3,777.40 | S/ 5,042.81 | S/ 509,337.81 |
| 0.10% | S/ 126.02 | S/ 252.08 | S/ 378.16 | S/ 504.28 | S/ 504,799.28 |
Sobre los datos
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Para S/ 504,295 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/ 504,295 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.