Cálculo de intereses
Ahorrando S/ 590,838
Veamos que pasaría si Usted ahorrara 590,838 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/ 590,838.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 6,749.75 | S/ 13,576.61 | S/ 20,481.46 | S/ 27,465.20 | S/ 618,303.20 |
| 8.50% | S/ 12,173.52 | S/ 24,597.85 | S/ 37,278.18 | S/ 50,219.77 | S/ 641,057.77 |
| 8.00% | S/ 11,477.62 | S/ 23,178.20 | S/ 35,106.08 | S/ 47,265.66 | S/ 638,103.66 |
| 7.10% | S/ 10,218.89 | S/ 20,614.52 | S/ 31,189.95 | S/ 41,948.28 | S/ 632,786.28 |
| 7.00% | S/ 10,078.54 | S/ 20,329.00 | S/ 30,754.31 | S/ 41,357.46 | S/ 632,195.46 |
| 6.50% | S/ 9,375.32 | S/ 18,899.41 | S/ 28,574.62 | S/ 38,403.36 | S/ 629,241.36 |
| 6.10% | S/ 8,810.96 | S/ 17,753.32 | S/ 26,829.03 | S/ 36,040.08 | S/ 626,878.08 |
| 6.20% | S/ 8,952.20 | S/ 18,040.04 | S/ 27,265.58 | S/ 36,630.90 | S/ 627,468.90 |
| 5.90% | S/ 8,528.18 | S/ 17,179.46 | S/ 25,955.61 | S/ 34,858.44 | S/ 625,696.44 |
| 5.75% | S/ 8,315.83 | S/ 16,748.71 | S/ 25,300.28 | S/ 33,972.21 | S/ 624,810.21 |
| 5.70% | S/ 8,245.00 | S/ 16,605.06 | S/ 25,081.78 | S/ 33,676.80 | S/ 624,514.80 |
| 5.65% | S/ 8,174.14 | S/ 16,461.38 | S/ 24,863.26 | S/ 33,381.39 | S/ 624,219.39 |
| 5.60% | S/ 8,103.26 | S/ 16,317.66 | S/ 24,644.72 | S/ 33,085.98 | S/ 623,923.98 |
| 5.50% | S/ 7,961.42 | S/ 16,030.12 | S/ 24,207.54 | S/ 32,495.16 | S/ 623,333.16 |
| 5.30% | S/ 7,677.44 | S/ 15,454.63 | S/ 23,332.89 | S/ 31,313.51 | S/ 622,151.51 |
| 5.25% | S/ 7,606.38 | S/ 15,310.68 | S/ 23,114.16 | S/ 31,018.10 | S/ 621,856.10 |
| 5.05% | S/ 7,321.88 | S/ 14,734.50 | S/ 22,238.98 | S/ 29,836.46 | S/ 620,674.46 |
| 5.00% | S/ 7,250.70 | S/ 14,590.38 | S/ 22,020.13 | S/ 29,541.05 | S/ 620,379.05 |
| 4.95% | S/ 7,179.49 | S/ 14,446.21 | S/ 21,801.24 | S/ 29,245.64 | S/ 620,083.64 |
| 4.75% | S/ 6,894.38 | S/ 13,869.22 | S/ 20,925.44 | S/ 28,064.00 | S/ 618,902.00 |
| 4.55% | S/ 6,608.87 | S/ 13,291.67 | S/ 20,049.22 | S/ 26,882.36 | S/ 617,720.36 |
| 4.50% | S/ 6,537.43 | S/ 13,147.20 | S/ 19,830.10 | S/ 26,586.95 | S/ 617,424.95 |
| 4.40% | S/ 6,394.47 | S/ 12,858.15 | S/ 19,391.78 | S/ 25,996.13 | S/ 616,834.13 |
| 4.30% | S/ 6,251.41 | S/ 12,568.96 | S/ 18,953.36 | S/ 25,405.31 | S/ 616,243.31 |
| 4.25% | S/ 6,179.84 | S/ 12,424.32 | S/ 18,734.11 | S/ 25,109.90 | S/ 615,947.90 |
| 4.20% | S/ 6,108.24 | S/ 12,279.64 | S/ 18,514.83 | S/ 24,814.49 | S/ 615,652.49 |
| 4.15% | S/ 6,036.62 | S/ 12,134.92 | S/ 18,295.53 | S/ 24,519.08 | S/ 615,357.08 |
| 4.00% | S/ 5,821.60 | S/ 11,700.57 | S/ 17,637.46 | S/ 23,632.85 | S/ 614,470.85 |
| 3.90% | S/ 5,678.13 | S/ 11,410.82 | S/ 17,198.61 | S/ 23,042.02 | S/ 613,880.02 |
| 3.75% | S/ 5,462.72 | S/ 10,975.95 | S/ 16,540.15 | S/ 22,155.79 | S/ 612,993.79 |
| 3.50% | S/ 5,103.19 | S/ 10,250.45 | S/ 15,442.18 | S/ 20,678.74 | S/ 611,516.74 |
| 3.00% | S/ 4,382.16 | S/ 8,796.83 | S/ 13,244.24 | S/ 17,724.64 | S/ 608,562.64 |
| 2.75% | S/ 4,020.67 | S/ 8,068.70 | S/ 12,144.27 | S/ 16,247.58 | S/ 607,085.58 |
| 2.50% | S/ 3,658.51 | S/ 7,339.68 | S/ 11,043.64 | S/ 14,770.53 | S/ 605,608.53 |
| 2.00% | S/ 2,932.21 | S/ 5,878.96 | S/ 8,840.35 | S/ 11,816.43 | S/ 602,654.43 |
| 1.35% | S/ 1,984.01 | S/ 3,974.67 | S/ 5,972.03 | S/ 7,976.09 | S/ 598,814.09 |
| 1.00% | S/ 1,471.55 | S/ 2,946.76 | S/ 4,425.64 | S/ 5,908.21 | S/ 596,746.21 |
| 0.10% | S/ 147.65 | S/ 295.34 | S/ 443.06 | S/ 590.82 | S/ 591,428.82 |
Sobre los datos
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Para S/ 590,838 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/ 590,838 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.