Cálculo de intereses
Ahorrando S/ 522,273
Veamos que pasaría si Usted ahorrara 522,273 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/ 522,273.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 5,966.46 | S/ 12,001.09 | S/ 18,104.65 | S/ 24,277.94 | S/ 546,550.94 |
| 8.50% | S/ 10,760.82 | S/ 21,743.34 | S/ 32,952.16 | S/ 44,391.91 | S/ 566,664.91 |
| 8.00% | S/ 10,145.67 | S/ 20,488.44 | S/ 31,032.12 | S/ 41,780.62 | S/ 564,053.62 |
| 7.10% | S/ 9,033.02 | S/ 18,222.26 | S/ 27,570.45 | S/ 37,080.31 | S/ 559,353.31 |
| 7.00% | S/ 8,908.96 | S/ 17,969.88 | S/ 27,185.37 | S/ 36,558.05 | S/ 558,831.05 |
| 6.50% | S/ 8,287.34 | S/ 16,706.19 | S/ 25,258.62 | S/ 33,946.76 | S/ 556,219.76 |
| 6.10% | S/ 7,788.47 | S/ 15,693.10 | S/ 23,715.60 | S/ 31,857.73 | S/ 554,130.73 |
| 6.20% | S/ 7,913.32 | S/ 15,946.55 | S/ 24,101.49 | S/ 32,379.99 | S/ 554,652.99 |
| 5.90% | S/ 7,538.51 | S/ 15,185.83 | S/ 22,943.54 | S/ 30,813.22 | S/ 553,086.22 |
| 5.75% | S/ 7,350.81 | S/ 14,805.07 | S/ 22,364.26 | S/ 30,029.83 | S/ 552,302.83 |
| 5.70% | S/ 7,288.19 | S/ 14,678.09 | S/ 22,171.12 | S/ 29,768.70 | S/ 552,041.70 |
| 5.65% | S/ 7,225.56 | S/ 14,551.08 | S/ 21,977.95 | S/ 29,507.58 | S/ 551,780.58 |
| 5.60% | S/ 7,162.90 | S/ 14,424.04 | S/ 21,784.77 | S/ 29,246.45 | S/ 551,519.45 |
| 5.50% | S/ 7,037.52 | S/ 14,169.87 | S/ 21,398.33 | S/ 28,724.19 | S/ 550,997.19 |
| 5.30% | S/ 6,786.49 | S/ 13,661.17 | S/ 20,625.18 | S/ 27,679.67 | S/ 549,952.67 |
| 5.25% | S/ 6,723.68 | S/ 13,533.92 | S/ 20,431.83 | S/ 27,418.54 | S/ 549,691.54 |
| 5.05% | S/ 6,472.20 | S/ 13,024.61 | S/ 19,658.22 | S/ 26,374.03 | S/ 548,647.03 |
| 5.00% | S/ 6,409.28 | S/ 12,897.21 | S/ 19,464.76 | S/ 26,112.90 | S/ 548,385.90 |
| 4.95% | S/ 6,346.33 | S/ 12,769.77 | S/ 19,271.27 | S/ 25,851.77 | S/ 548,124.77 |
| 4.75% | S/ 6,094.31 | S/ 12,259.74 | S/ 18,497.11 | S/ 24,807.26 | S/ 547,080.26 |
| 4.55% | S/ 5,841.93 | S/ 11,749.21 | S/ 17,722.57 | S/ 23,762.74 | S/ 546,035.74 |
| 4.50% | S/ 5,778.78 | S/ 11,621.51 | S/ 17,528.88 | S/ 23,501.61 | S/ 545,774.61 |
| 4.40% | S/ 5,652.41 | S/ 11,366.00 | S/ 17,141.42 | S/ 22,979.35 | S/ 545,252.35 |
| 4.30% | S/ 5,525.95 | S/ 11,110.37 | S/ 16,753.88 | S/ 22,457.10 | S/ 544,730.10 |
| 4.25% | S/ 5,462.69 | S/ 10,982.51 | S/ 16,560.07 | S/ 22,195.97 | S/ 544,468.97 |
| 4.20% | S/ 5,399.40 | S/ 10,854.62 | S/ 16,366.24 | S/ 21,934.84 | S/ 544,207.84 |
| 4.15% | S/ 5,336.09 | S/ 10,726.70 | S/ 16,172.39 | S/ 21,673.71 | S/ 543,946.71 |
| 4.00% | S/ 5,146.02 | S/ 10,342.75 | S/ 15,590.68 | S/ 20,890.32 | S/ 543,163.32 |
| 3.90% | S/ 5,019.20 | S/ 10,086.63 | S/ 15,202.76 | S/ 20,368.07 | S/ 542,641.07 |
| 3.75% | S/ 4,828.79 | S/ 9,702.22 | S/ 14,620.71 | S/ 19,584.68 | S/ 541,857.68 |
| 3.50% | S/ 4,510.98 | S/ 9,060.92 | S/ 13,650.16 | S/ 18,279.03 | S/ 540,552.03 |
| 3.00% | S/ 3,873.63 | S/ 7,775.99 | S/ 11,707.29 | S/ 15,667.74 | S/ 537,940.74 |
| 2.75% | S/ 3,554.08 | S/ 7,132.35 | S/ 10,734.97 | S/ 14,362.10 | S/ 536,635.10 |
| 2.50% | S/ 3,233.95 | S/ 6,487.93 | S/ 9,762.06 | S/ 13,056.45 | S/ 535,329.45 |
| 2.00% | S/ 2,591.93 | S/ 5,196.73 | S/ 7,814.45 | S/ 10,445.16 | S/ 532,718.16 |
| 1.35% | S/ 1,753.77 | S/ 3,513.43 | S/ 5,278.99 | S/ 7,050.49 | S/ 529,323.49 |
| 1.00% | S/ 1,300.78 | S/ 2,604.80 | S/ 3,912.06 | S/ 5,222.58 | S/ 527,495.58 |
| 0.10% | S/ 130.52 | S/ 261.06 | S/ 391.64 | S/ 522.26 | S/ 522,795.26 |
Sobre los datos
-
Para S/ 522,273 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 522,273 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.