Cálculo de intereses
Ahorrando S/ 508,612
Veamos que pasaría si Usted ahorrara 508,612 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2023) 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/ 508,612.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,810.40 | S/ 11,687.18 | S/ 17,631.09 | S/ 23,642.91 | S/ 532,254.91 |
| 8.50% | S/ 10,479.35 | S/ 21,174.61 | S/ 32,090.23 | S/ 43,230.76 | S/ 551,842.76 |
| 8.00% | S/ 9,880.30 | S/ 19,952.53 | S/ 30,220.42 | S/ 40,687.78 | S/ 549,299.78 |
| 7.10% | S/ 8,796.74 | S/ 17,745.63 | S/ 26,849.29 | S/ 36,110.41 | S/ 544,722.41 |
| 7.00% | S/ 8,675.93 | S/ 17,499.85 | S/ 26,474.28 | S/ 35,601.81 | S/ 544,213.81 |
| 6.50% | S/ 8,070.57 | S/ 16,269.21 | S/ 24,597.94 | S/ 33,058.82 | S/ 541,670.82 |
| 6.10% | S/ 7,584.75 | S/ 15,282.62 | S/ 23,095.27 | S/ 31,024.44 | S/ 539,636.44 |
| 6.20% | S/ 7,706.34 | S/ 15,529.44 | S/ 23,471.07 | S/ 31,533.03 | S/ 540,145.03 |
| 5.90% | S/ 7,341.33 | S/ 14,788.62 | S/ 22,343.41 | S/ 30,007.24 | S/ 538,619.24 |
| 5.75% | S/ 7,158.53 | S/ 14,417.82 | S/ 21,779.28 | S/ 29,244.35 | S/ 537,856.35 |
| 5.70% | S/ 7,097.56 | S/ 14,294.16 | S/ 21,591.19 | S/ 28,990.05 | S/ 537,602.05 |
| 5.65% | S/ 7,036.56 | S/ 14,170.47 | S/ 21,403.08 | S/ 28,735.75 | S/ 537,347.75 |
| 5.60% | S/ 6,975.54 | S/ 14,046.76 | S/ 21,214.95 | S/ 28,481.45 | S/ 537,093.45 |
| 5.50% | S/ 6,853.44 | S/ 13,799.23 | S/ 20,838.62 | S/ 27,972.86 | S/ 536,584.86 |
| 5.30% | S/ 6,608.98 | S/ 13,303.84 | S/ 20,085.69 | S/ 26,955.66 | S/ 535,567.66 |
| 5.25% | S/ 6,547.81 | S/ 13,179.91 | S/ 19,897.40 | S/ 26,701.36 | S/ 535,313.36 |
| 5.05% | S/ 6,302.91 | S/ 12,683.93 | S/ 19,144.02 | S/ 25,684.17 | S/ 534,296.17 |
| 5.00% | S/ 6,241.63 | S/ 12,559.86 | S/ 18,955.62 | S/ 25,429.87 | S/ 534,041.87 |
| 4.95% | S/ 6,180.33 | S/ 12,435.76 | S/ 18,767.20 | S/ 25,175.57 | S/ 533,787.57 |
| 4.75% | S/ 5,934.90 | S/ 11,939.06 | S/ 18,013.28 | S/ 24,158.38 | S/ 532,770.38 |
| 4.55% | S/ 5,689.13 | S/ 11,441.89 | S/ 17,259.00 | S/ 23,141.18 | S/ 531,753.18 |
| 4.50% | S/ 5,627.63 | S/ 11,317.52 | S/ 17,070.38 | S/ 22,886.88 | S/ 531,498.88 |
| 4.40% | S/ 5,504.56 | S/ 11,068.70 | S/ 16,693.06 | S/ 22,378.29 | S/ 530,990.29 |
| 4.30% | S/ 5,381.41 | S/ 10,819.76 | S/ 16,315.65 | S/ 21,869.69 | S/ 530,481.69 |
| 4.25% | S/ 5,319.80 | S/ 10,695.24 | S/ 16,126.91 | S/ 21,615.39 | S/ 530,227.39 |
| 4.20% | S/ 5,258.17 | S/ 10,570.70 | S/ 15,938.15 | S/ 21,361.09 | S/ 529,973.09 |
| 4.15% | S/ 5,196.52 | S/ 10,446.12 | S/ 15,749.37 | S/ 21,106.79 | S/ 529,718.79 |
| 4.00% | S/ 5,011.42 | S/ 10,072.22 | S/ 15,182.88 | S/ 20,343.90 | S/ 528,955.90 |
| 3.90% | S/ 4,887.91 | S/ 9,822.80 | S/ 14,805.11 | S/ 19,835.30 | S/ 528,447.30 |
| 3.75% | S/ 4,702.48 | S/ 9,448.44 | S/ 14,238.28 | S/ 19,072.41 | S/ 527,684.41 |
| 3.50% | S/ 4,392.99 | S/ 8,823.91 | S/ 13,293.11 | S/ 17,800.91 | S/ 526,412.91 |
| 3.00% | S/ 3,772.31 | S/ 7,572.59 | S/ 11,401.06 | S/ 15,257.93 | S/ 523,869.93 |
| 2.75% | S/ 3,461.12 | S/ 6,945.79 | S/ 10,454.17 | S/ 13,986.43 | S/ 522,598.43 |
| 2.50% | S/ 3,149.36 | S/ 6,318.23 | S/ 9,506.71 | S/ 12,714.94 | S/ 521,326.94 |
| 2.00% | S/ 2,524.14 | S/ 5,060.80 | S/ 7,610.05 | S/ 10,171.95 | S/ 518,783.95 |
| 1.35% | S/ 1,707.90 | S/ 3,421.53 | S/ 5,140.91 | S/ 6,866.07 | S/ 515,478.07 |
| 1.00% | S/ 1,266.75 | S/ 2,536.66 | S/ 3,809.73 | S/ 5,085.98 | S/ 513,697.98 |
| 0.10% | S/ 127.10 | S/ 254.24 | S/ 381.40 | S/ 508.60 | S/ 509,120.60 |
Sobre los datos
-
Para S/ 508,612 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 508,612 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.