Cálculo de intereses
Ahorrando S/ 530,380
Veamos que pasaría si Usted ahorrara 530,380 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/ 530,380.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 6,059.08 | S/ 12,187.37 | S/ 18,385.68 | S/ 24,654.80 | S/ 555,034.80 |
| 8.50% | S/ 10,927.85 | S/ 22,080.86 | S/ 33,463.66 | S/ 45,080.99 | S/ 575,460.99 |
| 8.00% | S/ 10,303.16 | S/ 20,806.47 | S/ 31,513.82 | S/ 42,429.17 | S/ 572,809.17 |
| 7.10% | S/ 9,173.23 | S/ 18,505.12 | S/ 27,998.41 | S/ 37,655.89 | S/ 568,035.89 |
| 7.00% | S/ 9,047.25 | S/ 18,248.82 | S/ 27,607.35 | S/ 37,125.52 | S/ 567,505.52 |
| 6.50% | S/ 8,415.98 | S/ 16,965.51 | S/ 25,650.70 | S/ 34,473.70 | S/ 564,853.70 |
| 6.10% | S/ 7,909.37 | S/ 15,936.69 | S/ 24,083.72 | S/ 32,352.25 | S/ 562,732.25 |
| 6.20% | S/ 8,036.16 | S/ 16,194.08 | S/ 24,475.61 | S/ 32,882.61 | S/ 563,262.61 |
| 5.90% | S/ 7,655.53 | S/ 15,421.56 | S/ 23,299.68 | S/ 31,291.52 | S/ 561,671.52 |
| 5.75% | S/ 7,464.91 | S/ 15,034.89 | S/ 22,711.41 | S/ 30,495.97 | S/ 560,875.97 |
| 5.70% | S/ 7,401.33 | S/ 14,905.93 | S/ 22,515.27 | S/ 30,230.79 | S/ 560,610.79 |
| 5.65% | S/ 7,337.72 | S/ 14,776.95 | S/ 22,319.11 | S/ 29,965.61 | S/ 560,345.61 |
| 5.60% | S/ 7,274.09 | S/ 14,647.94 | S/ 22,122.92 | S/ 29,700.43 | S/ 560,080.43 |
| 5.50% | S/ 7,146.76 | S/ 14,389.82 | S/ 21,730.49 | S/ 29,170.06 | S/ 559,550.06 |
| 5.30% | S/ 6,891.84 | S/ 13,873.22 | S/ 20,945.33 | S/ 28,109.33 | S/ 558,489.33 |
| 5.25% | S/ 6,828.05 | S/ 13,744.00 | S/ 20,748.98 | S/ 27,844.15 | S/ 558,224.15 |
| 5.05% | S/ 6,572.67 | S/ 13,226.78 | S/ 19,963.36 | S/ 26,783.42 | S/ 557,163.42 |
| 5.00% | S/ 6,508.76 | S/ 13,097.40 | S/ 19,766.90 | S/ 26,518.24 | S/ 556,898.24 |
| 4.95% | S/ 6,444.84 | S/ 12,967.99 | S/ 19,570.41 | S/ 26,253.06 | S/ 556,633.06 |
| 4.75% | S/ 6,188.91 | S/ 12,450.04 | S/ 18,784.23 | S/ 25,192.33 | S/ 555,572.33 |
| 4.55% | S/ 5,932.62 | S/ 11,931.59 | S/ 17,997.67 | S/ 24,131.60 | S/ 554,511.60 |
| 4.50% | S/ 5,868.48 | S/ 11,801.90 | S/ 17,800.97 | S/ 23,866.42 | S/ 554,246.42 |
| 4.40% | S/ 5,740.15 | S/ 11,542.43 | S/ 17,407.50 | S/ 23,336.05 | S/ 553,716.05 |
| 4.30% | S/ 5,611.73 | S/ 11,282.83 | S/ 17,013.94 | S/ 22,805.69 | S/ 553,185.69 |
| 4.25% | S/ 5,547.48 | S/ 11,152.99 | S/ 16,817.13 | S/ 22,540.51 | S/ 552,920.51 |
| 4.20% | S/ 5,483.21 | S/ 11,023.11 | S/ 16,620.29 | S/ 22,275.32 | S/ 552,655.32 |
| 4.15% | S/ 5,418.92 | S/ 10,893.21 | S/ 16,423.42 | S/ 22,010.14 | S/ 552,390.14 |
| 4.00% | S/ 5,225.90 | S/ 10,503.30 | S/ 15,832.69 | S/ 21,214.59 | S/ 551,594.59 |
| 3.90% | S/ 5,097.11 | S/ 10,243.20 | S/ 15,438.75 | S/ 20,684.23 | S/ 551,064.23 |
| 3.75% | S/ 4,903.74 | S/ 9,852.82 | S/ 14,847.66 | S/ 19,888.68 | S/ 550,268.68 |
| 3.50% | S/ 4,581.00 | S/ 9,201.57 | S/ 13,862.04 | S/ 18,562.77 | S/ 548,942.77 |
| 3.00% | S/ 3,933.76 | S/ 7,896.69 | S/ 11,889.01 | S/ 15,910.95 | S/ 546,290.95 |
| 2.75% | S/ 3,609.25 | S/ 7,243.06 | S/ 10,901.60 | S/ 14,585.04 | S/ 544,965.04 |
| 2.50% | S/ 3,284.15 | S/ 6,588.64 | S/ 9,913.59 | S/ 13,259.12 | S/ 543,639.12 |
| 2.00% | S/ 2,632.17 | S/ 5,277.39 | S/ 7,935.75 | S/ 10,607.30 | S/ 540,987.30 |
| 1.35% | S/ 1,780.99 | S/ 3,567.96 | S/ 5,360.94 | S/ 7,159.93 | S/ 537,539.93 |
| 1.00% | S/ 1,320.97 | S/ 2,645.23 | S/ 3,972.79 | S/ 5,303.65 | S/ 535,683.65 |
| 0.10% | S/ 132.54 | S/ 265.12 | S/ 397.72 | S/ 530.37 | S/ 530,910.37 |
Sobre los datos
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Para S/ 530,380 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/ 530,380 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.