Cálculo de intereses
Ahorrando S/ 609,946
Veamos que pasaría si Usted ahorrara 609,946 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/ 609,946.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 6,968.04 | S/ 14,015.69 | S/ 21,143.84 | S/ 28,353.43 | S/ 638,299.43 |
| 8.50% | S/ 12,567.21 | S/ 25,393.36 | S/ 38,483.77 | S/ 51,843.90 | S/ 661,789.90 |
| 8.00% | S/ 11,848.81 | S/ 23,927.79 | S/ 36,241.43 | S/ 48,794.26 | S/ 658,740.26 |
| 7.10% | S/ 10,549.37 | S/ 21,281.20 | S/ 32,198.64 | S/ 43,304.91 | S/ 653,250.91 |
| 7.00% | S/ 10,404.49 | S/ 20,986.45 | S/ 31,748.92 | S/ 42,694.98 | S/ 652,640.98 |
| 6.50% | S/ 9,678.52 | S/ 19,510.62 | S/ 29,498.74 | S/ 39,645.34 | S/ 649,591.34 |
| 6.10% | S/ 9,095.91 | S/ 18,327.47 | S/ 27,696.69 | S/ 37,205.63 | S/ 647,151.63 |
| 6.20% | S/ 9,241.72 | S/ 18,623.47 | S/ 28,147.36 | S/ 37,815.56 | S/ 647,761.56 |
| 5.90% | S/ 8,803.99 | S/ 17,735.05 | S/ 26,795.03 | S/ 35,985.78 | S/ 645,931.78 |
| 5.75% | S/ 8,584.77 | S/ 17,290.37 | S/ 26,118.50 | S/ 35,070.89 | S/ 645,016.89 |
| 5.70% | S/ 8,511.65 | S/ 17,142.08 | S/ 25,892.94 | S/ 34,765.92 | S/ 644,711.92 |
| 5.65% | S/ 8,438.50 | S/ 16,993.75 | S/ 25,667.35 | S/ 34,460.96 | S/ 644,406.96 |
| 5.60% | S/ 8,365.33 | S/ 16,845.38 | S/ 25,441.74 | S/ 34,155.99 | S/ 644,101.99 |
| 5.50% | S/ 8,218.90 | S/ 16,548.54 | S/ 24,990.43 | S/ 33,546.07 | S/ 643,492.07 |
| 5.30% | S/ 7,925.73 | S/ 15,954.44 | S/ 24,087.49 | S/ 32,326.21 | S/ 642,272.21 |
| 5.25% | S/ 7,852.37 | S/ 15,805.83 | S/ 23,861.68 | S/ 32,021.25 | S/ 641,967.25 |
| 5.05% | S/ 7,558.68 | S/ 15,211.03 | S/ 22,958.20 | S/ 30,801.39 | S/ 640,747.39 |
| 5.00% | S/ 7,485.19 | S/ 15,062.24 | S/ 22,732.27 | S/ 30,496.43 | S/ 640,442.43 |
| 4.95% | S/ 7,411.67 | S/ 14,913.41 | S/ 22,506.30 | S/ 30,191.46 | S/ 640,137.46 |
| 4.75% | S/ 7,117.35 | S/ 14,317.76 | S/ 21,602.18 | S/ 28,971.60 | S/ 638,917.60 |
| 4.55% | S/ 6,822.61 | S/ 13,721.53 | S/ 20,697.62 | S/ 27,751.75 | S/ 637,697.75 |
| 4.50% | S/ 6,748.86 | S/ 13,572.39 | S/ 20,471.42 | S/ 27,446.78 | S/ 637,392.78 |
| 4.40% | S/ 6,601.27 | S/ 13,273.99 | S/ 20,018.92 | S/ 26,836.86 | S/ 636,782.86 |
| 4.30% | S/ 6,453.58 | S/ 12,975.45 | S/ 19,566.32 | S/ 26,226.93 | S/ 636,172.93 |
| 4.25% | S/ 6,379.70 | S/ 12,826.13 | S/ 19,339.98 | S/ 25,921.96 | S/ 635,867.96 |
| 4.20% | S/ 6,305.79 | S/ 12,676.77 | S/ 19,113.61 | S/ 25,617.00 | S/ 635,563.00 |
| 4.15% | S/ 6,231.85 | S/ 12,527.37 | S/ 18,887.21 | S/ 25,312.04 | S/ 635,258.04 |
| 4.00% | S/ 6,009.88 | S/ 12,078.97 | S/ 18,207.86 | S/ 24,397.14 | S/ 634,343.14 |
| 3.90% | S/ 5,861.76 | S/ 11,779.86 | S/ 17,754.82 | S/ 23,787.22 | S/ 633,733.22 |
| 3.75% | S/ 5,639.39 | S/ 11,330.91 | S/ 17,075.06 | S/ 22,872.32 | S/ 632,818.32 |
| 3.50% | S/ 5,268.23 | S/ 10,581.96 | S/ 15,941.58 | S/ 21,347.50 | S/ 631,293.50 |
| 3.00% | S/ 4,523.89 | S/ 9,081.33 | S/ 13,672.57 | S/ 18,297.86 | S/ 628,243.86 |
| 2.75% | S/ 4,150.70 | S/ 8,329.64 | S/ 12,537.03 | S/ 16,773.04 | S/ 626,719.04 |
| 2.50% | S/ 3,776.83 | S/ 7,577.05 | S/ 11,400.79 | S/ 15,248.22 | S/ 625,194.22 |
| 2.00% | S/ 3,027.04 | S/ 6,069.09 | S/ 9,126.25 | S/ 12,198.58 | S/ 622,144.58 |
| 1.35% | S/ 2,048.17 | S/ 4,103.22 | S/ 6,165.17 | S/ 8,234.04 | S/ 618,180.04 |
| 1.00% | S/ 1,519.14 | S/ 3,042.06 | S/ 4,568.77 | S/ 6,099.29 | S/ 616,045.29 |
| 0.10% | S/ 152.43 | S/ 304.89 | S/ 457.39 | S/ 609.93 | S/ 610,555.93 |
Sobre los datos
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Para S/ 609,946 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/ 609,946 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.