Cálculo de intereses
Ahorrando S/ 525,366
Veamos que pasaría si Usted ahorrara 525,366 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/ 525,366.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 6,001.80 | S/ 12,072.16 | S/ 18,211.87 | S/ 24,421.72 | S/ 549,787.72 |
| 8.50% | S/ 10,824.54 | S/ 21,872.11 | S/ 33,147.30 | S/ 44,654.81 | S/ 570,020.81 |
| 8.00% | S/ 10,205.76 | S/ 20,609.77 | S/ 31,215.90 | S/ 42,028.06 | S/ 567,394.06 |
| 7.10% | S/ 9,086.51 | S/ 18,330.18 | S/ 27,733.72 | S/ 37,299.91 | S/ 562,665.91 |
| 7.00% | S/ 8,961.72 | S/ 18,076.30 | S/ 27,346.36 | S/ 36,774.56 | S/ 562,140.56 |
| 6.50% | S/ 8,336.42 | S/ 16,805.13 | S/ 25,408.21 | S/ 34,147.80 | S/ 559,513.80 |
| 6.10% | S/ 7,834.60 | S/ 15,786.03 | S/ 23,856.05 | S/ 32,046.40 | S/ 557,412.40 |
| 6.20% | S/ 7,960.19 | S/ 16,040.99 | S/ 24,244.22 | S/ 32,571.75 | S/ 557,937.75 |
| 5.90% | S/ 7,583.16 | S/ 15,275.77 | S/ 23,079.42 | S/ 30,995.70 | S/ 556,361.70 |
| 5.75% | S/ 7,394.34 | S/ 14,892.75 | S/ 22,496.70 | S/ 30,207.68 | S/ 555,573.68 |
| 5.70% | S/ 7,331.36 | S/ 14,765.02 | S/ 22,302.42 | S/ 29,945.00 | S/ 555,311.00 |
| 5.65% | S/ 7,268.35 | S/ 14,637.26 | S/ 22,108.11 | S/ 29,682.32 | S/ 555,048.32 |
| 5.60% | S/ 7,205.32 | S/ 14,509.46 | S/ 21,913.78 | S/ 29,419.65 | S/ 554,785.65 |
| 5.50% | S/ 7,079.20 | S/ 14,253.79 | S/ 21,525.05 | S/ 28,894.30 | S/ 554,260.30 |
| 5.30% | S/ 6,826.68 | S/ 13,742.07 | S/ 20,747.32 | S/ 27,843.60 | S/ 553,209.60 |
| 5.25% | S/ 6,763.50 | S/ 13,614.07 | S/ 20,552.83 | S/ 27,580.92 | S/ 552,946.92 |
| 5.05% | S/ 6,510.53 | S/ 13,101.74 | S/ 19,774.64 | S/ 26,530.22 | S/ 551,896.22 |
| 5.00% | S/ 6,447.23 | S/ 12,973.59 | S/ 19,580.03 | S/ 26,267.55 | S/ 551,633.55 |
| 4.95% | S/ 6,383.91 | S/ 12,845.40 | S/ 19,385.40 | S/ 26,004.87 | S/ 551,370.87 |
| 4.75% | S/ 6,130.40 | S/ 12,332.34 | S/ 18,606.65 | S/ 24,954.17 | S/ 550,320.17 |
| 4.55% | S/ 5,876.53 | S/ 11,818.79 | S/ 17,827.53 | S/ 23,903.47 | S/ 549,269.47 |
| 4.50% | S/ 5,813.01 | S/ 11,690.33 | S/ 17,632.69 | S/ 23,640.79 | S/ 549,006.79 |
| 4.40% | S/ 5,685.89 | S/ 11,433.31 | S/ 17,242.94 | S/ 23,115.44 | S/ 548,481.44 |
| 4.30% | S/ 5,558.68 | S/ 11,176.17 | S/ 16,853.10 | S/ 22,590.09 | S/ 547,956.09 |
| 4.25% | S/ 5,495.04 | S/ 11,047.55 | S/ 16,658.14 | S/ 22,327.42 | S/ 547,693.42 |
| 4.20% | S/ 5,431.38 | S/ 10,918.90 | S/ 16,463.16 | S/ 22,064.74 | S/ 547,430.74 |
| 4.15% | S/ 5,367.69 | S/ 10,790.23 | S/ 16,268.16 | S/ 21,802.07 | S/ 547,168.07 |
| 4.00% | S/ 5,176.50 | S/ 10,404.00 | S/ 15,683.01 | S/ 21,014.04 | S/ 546,380.04 |
| 3.90% | S/ 5,048.92 | S/ 10,146.37 | S/ 15,292.80 | S/ 20,488.69 | S/ 545,854.69 |
| 3.75% | S/ 4,857.38 | S/ 9,759.68 | S/ 14,707.30 | S/ 19,700.66 | S/ 545,066.66 |
| 3.50% | S/ 4,537.69 | S/ 9,114.58 | S/ 13,731.00 | S/ 18,387.29 | S/ 543,753.29 |
| 3.00% | S/ 3,896.57 | S/ 7,822.04 | S/ 11,776.62 | S/ 15,760.53 | S/ 541,126.53 |
| 2.75% | S/ 3,575.13 | S/ 7,174.59 | S/ 10,798.54 | S/ 14,447.15 | S/ 539,813.15 |
| 2.50% | S/ 3,253.10 | S/ 6,526.35 | S/ 9,819.87 | S/ 13,133.78 | S/ 538,499.78 |
| 2.00% | S/ 2,607.28 | S/ 5,227.50 | S/ 7,860.73 | S/ 10,507.02 | S/ 535,873.02 |
| 1.35% | S/ 1,764.15 | S/ 3,534.23 | S/ 5,310.26 | S/ 7,092.24 | S/ 532,458.24 |
| 1.00% | S/ 1,308.48 | S/ 2,620.22 | S/ 3,935.23 | S/ 5,253.51 | S/ 530,619.51 |
| 0.10% | S/ 131.29 | S/ 262.61 | S/ 393.96 | S/ 525.35 | S/ 525,891.35 |
Sobre los datos
-
Para S/ 525,366 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 525,366 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.