Cálculo de intereses
Ahorrando S/ 592,230
Veamos que pasaría si Usted ahorrara 592,230 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/ 592,230.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 6,765.65 | S/ 13,608.60 | S/ 20,529.72 | S/ 27,529.90 | S/ 619,759.90 |
| 8.50% | S/ 12,202.20 | S/ 24,655.80 | S/ 37,366.00 | S/ 50,338.08 | S/ 642,568.08 |
| 8.00% | S/ 11,504.66 | S/ 23,232.81 | S/ 35,188.79 | S/ 47,377.02 | S/ 639,607.02 |
| 7.10% | S/ 10,242.96 | S/ 20,663.09 | S/ 31,263.43 | S/ 42,047.11 | S/ 634,277.11 |
| 7.00% | S/ 10,102.28 | S/ 20,376.90 | S/ 30,826.77 | S/ 41,454.90 | S/ 633,684.90 |
| 6.50% | S/ 9,397.41 | S/ 18,943.93 | S/ 28,641.94 | S/ 38,493.84 | S/ 630,723.84 |
| 6.10% | S/ 8,831.72 | S/ 17,795.14 | S/ 26,892.23 | S/ 36,124.99 | S/ 628,354.99 |
| 6.20% | S/ 8,973.29 | S/ 18,082.54 | S/ 27,329.82 | S/ 36,717.20 | S/ 628,947.20 |
| 5.90% | S/ 8,548.27 | S/ 17,219.93 | S/ 26,016.76 | S/ 34,940.56 | S/ 627,170.56 |
| 5.75% | S/ 8,335.43 | S/ 16,788.17 | S/ 25,359.89 | S/ 34,052.24 | S/ 626,282.24 |
| 5.70% | S/ 8,264.43 | S/ 16,644.18 | S/ 25,140.88 | S/ 33,756.14 | S/ 625,986.14 |
| 5.65% | S/ 8,193.40 | S/ 16,500.16 | S/ 24,921.84 | S/ 33,460.03 | S/ 625,690.03 |
| 5.60% | S/ 8,122.35 | S/ 16,356.10 | S/ 24,702.78 | S/ 33,163.93 | S/ 625,393.93 |
| 5.50% | S/ 7,980.18 | S/ 16,067.89 | S/ 24,264.58 | S/ 32,571.71 | S/ 624,801.71 |
| 5.30% | S/ 7,695.52 | S/ 15,491.04 | S/ 23,387.86 | S/ 31,387.29 | S/ 623,617.29 |
| 5.25% | S/ 7,624.30 | S/ 15,346.75 | S/ 23,168.62 | S/ 31,091.18 | S/ 623,321.18 |
| 5.05% | S/ 7,339.13 | S/ 14,769.22 | S/ 22,291.38 | S/ 29,906.76 | S/ 622,136.76 |
| 5.00% | S/ 7,267.78 | S/ 14,624.75 | S/ 22,072.00 | S/ 29,610.65 | S/ 621,840.65 |
| 4.95% | S/ 7,196.40 | S/ 14,480.25 | S/ 21,852.60 | S/ 29,314.54 | S/ 621,544.54 |
| 4.75% | S/ 6,910.63 | S/ 13,901.89 | S/ 20,974.74 | S/ 28,130.12 | S/ 620,360.12 |
| 4.55% | S/ 6,624.44 | S/ 13,322.99 | S/ 20,096.46 | S/ 26,945.69 | S/ 619,175.69 |
| 4.50% | S/ 6,552.83 | S/ 13,178.17 | S/ 19,876.82 | S/ 26,649.59 | S/ 618,879.59 |
| 4.40% | S/ 6,409.54 | S/ 12,888.44 | S/ 19,437.47 | S/ 26,057.37 | S/ 618,287.37 |
| 4.30% | S/ 6,266.14 | S/ 12,598.58 | S/ 18,998.01 | S/ 25,465.16 | S/ 617,695.16 |
| 4.25% | S/ 6,194.40 | S/ 12,453.59 | S/ 18,778.25 | S/ 25,169.06 | S/ 617,399.06 |
| 4.20% | S/ 6,122.63 | S/ 12,308.57 | S/ 18,558.45 | S/ 24,872.95 | S/ 617,102.95 |
| 4.15% | S/ 6,050.84 | S/ 12,163.51 | S/ 18,338.63 | S/ 24,576.84 | S/ 616,806.84 |
| 4.00% | S/ 5,835.32 | S/ 11,728.13 | S/ 17,679.01 | S/ 23,688.52 | S/ 615,918.52 |
| 3.90% | S/ 5,691.51 | S/ 11,437.71 | S/ 17,239.13 | S/ 23,096.31 | S/ 615,326.31 |
| 3.75% | S/ 5,475.59 | S/ 11,001.81 | S/ 16,579.12 | S/ 22,207.99 | S/ 614,437.99 |
| 3.50% | S/ 5,115.21 | S/ 10,274.60 | S/ 15,478.56 | S/ 20,727.46 | S/ 612,957.46 |
| 3.00% | S/ 4,392.49 | S/ 8,817.56 | S/ 13,275.44 | S/ 17,766.40 | S/ 609,996.40 |
| 2.75% | S/ 4,030.14 | S/ 8,087.71 | S/ 12,172.89 | S/ 16,285.86 | S/ 608,515.86 |
| 2.50% | S/ 3,667.13 | S/ 7,356.97 | S/ 11,069.66 | S/ 14,805.33 | S/ 607,035.33 |
| 2.00% | S/ 2,939.11 | S/ 5,892.82 | S/ 8,861.17 | S/ 11,844.27 | S/ 604,074.27 |
| 1.35% | S/ 1,988.68 | S/ 3,984.04 | S/ 5,986.10 | S/ 7,994.88 | S/ 600,224.88 |
| 1.00% | S/ 1,475.01 | S/ 2,953.70 | S/ 4,436.07 | S/ 5,922.13 | S/ 598,152.13 |
| 0.10% | S/ 148.00 | S/ 296.03 | S/ 444.10 | S/ 592.21 | S/ 592,822.21 |
Sobre los datos
-
Para S/ 592,230 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 592,230 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.