Cálculo de intereses
Ahorrando S/ 520,249
Veamos que pasaría si Usted ahorrara 520,249 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/ 520,249.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,943.34 | S/ 11,954.58 | S/ 18,034.49 | S/ 24,183.86 | S/ 544,432.86 |
| 8.50% | S/ 10,719.11 | S/ 21,659.08 | S/ 32,824.45 | S/ 44,219.88 | S/ 564,468.88 |
| 8.00% | S/ 10,106.36 | S/ 20,409.04 | S/ 30,911.86 | S/ 41,618.71 | S/ 561,867.71 |
| 7.10% | S/ 8,998.01 | S/ 18,151.65 | S/ 27,463.60 | S/ 36,936.61 | S/ 557,185.61 |
| 7.00% | S/ 8,874.43 | S/ 17,900.24 | S/ 27,080.01 | S/ 36,416.38 | S/ 556,665.38 |
| 6.50% | S/ 8,255.23 | S/ 16,641.45 | S/ 25,160.74 | S/ 33,815.21 | S/ 554,064.21 |
| 6.10% | S/ 7,758.29 | S/ 15,632.28 | S/ 23,623.69 | S/ 31,734.27 | S/ 551,983.27 |
| 6.20% | S/ 7,882.66 | S/ 15,884.75 | S/ 24,008.09 | S/ 32,254.51 | S/ 552,503.51 |
| 5.90% | S/ 7,509.30 | S/ 15,126.98 | S/ 22,854.62 | S/ 30,693.81 | S/ 550,942.81 |
| 5.75% | S/ 7,322.32 | S/ 14,747.70 | S/ 22,277.59 | S/ 29,913.46 | S/ 550,162.46 |
| 5.70% | S/ 7,259.95 | S/ 14,621.21 | S/ 22,085.20 | S/ 29,653.34 | S/ 549,902.34 |
| 5.65% | S/ 7,197.56 | S/ 14,494.69 | S/ 21,892.78 | S/ 29,393.22 | S/ 549,642.22 |
| 5.60% | S/ 7,135.14 | S/ 14,368.14 | S/ 21,700.35 | S/ 29,133.11 | S/ 549,382.11 |
| 5.50% | S/ 7,010.25 | S/ 14,114.96 | S/ 21,315.40 | S/ 28,612.87 | S/ 548,861.87 |
| 5.30% | S/ 6,760.19 | S/ 13,608.23 | S/ 20,545.25 | S/ 27,572.40 | S/ 547,821.40 |
| 5.25% | S/ 6,697.62 | S/ 13,481.47 | S/ 20,352.65 | S/ 27,312.29 | S/ 547,561.29 |
| 5.05% | S/ 6,447.12 | S/ 12,974.13 | S/ 19,582.03 | S/ 26,271.82 | S/ 546,520.82 |
| 5.00% | S/ 6,384.44 | S/ 12,847.22 | S/ 19,389.32 | S/ 26,011.70 | S/ 546,260.70 |
| 4.95% | S/ 6,321.73 | S/ 12,720.29 | S/ 19,196.59 | S/ 25,751.59 | S/ 546,000.59 |
| 4.75% | S/ 6,070.69 | S/ 12,212.23 | S/ 18,425.42 | S/ 24,711.12 | S/ 544,960.12 |
| 4.55% | S/ 5,819.29 | S/ 11,703.68 | S/ 17,653.89 | S/ 23,670.65 | S/ 543,919.65 |
| 4.50% | S/ 5,756.39 | S/ 11,576.47 | S/ 17,460.95 | S/ 23,410.53 | S/ 543,659.53 |
| 4.40% | S/ 5,630.51 | S/ 11,321.95 | S/ 17,075.00 | S/ 22,890.30 | S/ 543,139.30 |
| 4.30% | S/ 5,504.54 | S/ 11,067.32 | S/ 16,688.95 | S/ 22,370.07 | S/ 542,619.07 |
| 4.25% | S/ 5,441.52 | S/ 10,939.95 | S/ 16,495.89 | S/ 22,109.95 | S/ 542,358.95 |
| 4.20% | S/ 5,378.48 | S/ 10,812.56 | S/ 16,302.81 | S/ 21,849.83 | S/ 542,098.83 |
| 4.15% | S/ 5,315.41 | S/ 10,685.13 | S/ 16,109.71 | S/ 21,589.72 | S/ 541,838.72 |
| 4.00% | S/ 5,126.08 | S/ 10,302.67 | S/ 15,530.26 | S/ 20,809.37 | S/ 541,058.37 |
| 3.90% | S/ 4,999.75 | S/ 10,047.54 | S/ 15,143.85 | S/ 20,289.13 | S/ 540,538.13 |
| 3.75% | S/ 4,810.07 | S/ 9,664.62 | S/ 14,564.05 | S/ 19,508.78 | S/ 539,757.78 |
| 3.50% | S/ 4,493.50 | S/ 9,025.80 | S/ 13,597.26 | S/ 18,208.20 | S/ 538,457.20 |
| 3.00% | S/ 3,858.62 | S/ 7,745.85 | S/ 11,661.92 | S/ 15,607.03 | S/ 535,856.03 |
| 2.75% | S/ 3,540.31 | S/ 7,104.71 | S/ 10,693.36 | S/ 14,306.44 | S/ 534,555.44 |
| 2.50% | S/ 3,221.42 | S/ 6,462.79 | S/ 9,724.22 | S/ 13,005.86 | S/ 533,254.86 |
| 2.00% | S/ 2,581.89 | S/ 5,176.59 | S/ 7,784.17 | S/ 10,404.69 | S/ 530,653.69 |
| 1.35% | S/ 1,746.97 | S/ 3,499.81 | S/ 5,258.53 | S/ 7,023.16 | S/ 527,272.16 |
| 1.00% | S/ 1,295.74 | S/ 2,594.70 | S/ 3,896.90 | S/ 5,202.34 | S/ 525,451.34 |
| 0.10% | S/ 130.01 | S/ 260.05 | S/ 390.13 | S/ 520.23 | S/ 520,769.23 |
Sobre los datos
-
Para S/ 520,249 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 520,249 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.