Cálculo de intereses
Ahorrando S/ 612,696
Veamos que pasaría si Usted ahorrara 612,696 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/ 612,696.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 6,999.46 | S/ 14,078.88 | S/ 21,239.17 | S/ 28,481.27 | S/ 641,177.27 |
| 8.50% | S/ 12,623.87 | S/ 25,507.85 | S/ 38,657.28 | S/ 52,077.64 | S/ 664,773.64 |
| 8.00% | S/ 11,902.23 | S/ 24,035.67 | S/ 36,404.82 | S/ 49,014.25 | S/ 661,710.25 |
| 7.10% | S/ 10,596.94 | S/ 21,377.15 | S/ 32,343.82 | S/ 43,500.16 | S/ 656,196.16 |
| 7.00% | S/ 10,451.39 | S/ 21,081.07 | S/ 31,892.07 | S/ 42,887.48 | S/ 655,583.48 |
| 6.50% | S/ 9,722.16 | S/ 19,598.59 | S/ 29,631.74 | S/ 39,824.09 | S/ 652,520.09 |
| 6.10% | S/ 9,136.92 | S/ 18,410.10 | S/ 27,821.56 | S/ 37,373.38 | S/ 650,069.38 |
| 6.20% | S/ 9,283.39 | S/ 18,707.43 | S/ 28,274.27 | S/ 37,986.06 | S/ 650,682.06 |
| 5.90% | S/ 8,843.68 | S/ 17,815.01 | S/ 26,915.84 | S/ 36,148.02 | S/ 648,844.02 |
| 5.75% | S/ 8,623.48 | S/ 17,368.33 | S/ 26,236.26 | S/ 35,229.01 | S/ 647,925.01 |
| 5.70% | S/ 8,550.03 | S/ 17,219.36 | S/ 26,009.68 | S/ 34,922.67 | S/ 647,618.67 |
| 5.65% | S/ 8,476.55 | S/ 17,070.36 | S/ 25,783.08 | S/ 34,616.33 | S/ 647,312.33 |
| 5.60% | S/ 8,403.04 | S/ 16,921.33 | S/ 25,556.44 | S/ 34,309.99 | S/ 647,005.99 |
| 5.50% | S/ 8,255.95 | S/ 16,623.15 | S/ 25,103.10 | S/ 33,697.31 | S/ 646,393.31 |
| 5.30% | S/ 7,961.46 | S/ 16,026.38 | S/ 24,196.09 | S/ 32,471.96 | S/ 645,167.96 |
| 5.25% | S/ 7,887.77 | S/ 15,877.09 | S/ 23,969.27 | S/ 32,165.62 | S/ 644,861.62 |
| 5.05% | S/ 7,592.76 | S/ 15,279.61 | S/ 23,061.71 | S/ 30,940.26 | S/ 643,636.26 |
| 5.00% | S/ 7,518.94 | S/ 15,130.15 | S/ 22,834.76 | S/ 30,633.92 | S/ 643,329.92 |
| 4.95% | S/ 7,445.09 | S/ 14,980.65 | S/ 22,607.78 | S/ 30,327.58 | S/ 643,023.58 |
| 4.75% | S/ 7,149.44 | S/ 14,382.31 | S/ 21,699.58 | S/ 29,102.23 | S/ 641,798.23 |
| 4.55% | S/ 6,853.37 | S/ 13,783.40 | S/ 20,790.94 | S/ 27,876.87 | S/ 640,572.87 |
| 4.50% | S/ 6,779.28 | S/ 13,633.58 | S/ 20,563.72 | S/ 27,570.53 | S/ 640,266.53 |
| 4.40% | S/ 6,631.04 | S/ 13,333.84 | S/ 20,109.18 | S/ 26,957.85 | S/ 639,653.85 |
| 4.30% | S/ 6,482.68 | S/ 13,033.95 | S/ 19,654.54 | S/ 26,345.17 | S/ 639,041.17 |
| 4.25% | S/ 6,408.46 | S/ 12,883.95 | S/ 19,427.18 | S/ 26,038.84 | S/ 638,734.84 |
| 4.20% | S/ 6,334.22 | S/ 12,733.92 | S/ 19,199.79 | S/ 25,732.50 | S/ 638,428.50 |
| 4.15% | S/ 6,259.95 | S/ 12,583.85 | S/ 18,972.37 | S/ 25,426.16 | S/ 638,122.16 |
| 4.00% | S/ 6,036.97 | S/ 12,133.43 | S/ 18,289.95 | S/ 24,507.14 | S/ 637,203.14 |
| 3.90% | S/ 5,888.19 | S/ 11,832.97 | S/ 17,834.87 | S/ 23,894.46 | S/ 636,590.46 |
| 3.75% | S/ 5,664.81 | S/ 11,382.00 | S/ 17,152.05 | S/ 22,975.44 | S/ 635,671.44 |
| 3.50% | S/ 5,291.98 | S/ 10,629.67 | S/ 16,013.46 | S/ 21,443.75 | S/ 634,139.75 |
| 3.00% | S/ 4,544.28 | S/ 9,122.27 | S/ 13,734.21 | S/ 18,380.36 | S/ 631,076.36 |
| 2.75% | S/ 4,169.41 | S/ 8,367.20 | S/ 12,593.55 | S/ 16,848.66 | S/ 629,544.66 |
| 2.50% | S/ 3,793.86 | S/ 7,611.21 | S/ 11,452.19 | S/ 15,316.97 | S/ 628,012.97 |
| 2.00% | S/ 3,040.68 | S/ 6,096.46 | S/ 9,167.39 | S/ 12,253.57 | S/ 624,949.57 |
| 1.35% | S/ 2,057.40 | S/ 4,121.72 | S/ 6,192.96 | S/ 8,271.16 | S/ 620,967.16 |
| 1.00% | S/ 1,525.99 | S/ 3,055.77 | S/ 4,589.37 | S/ 6,126.79 | S/ 618,822.79 |
| 0.10% | S/ 153.11 | S/ 306.26 | S/ 459.45 | S/ 612.68 | S/ 613,308.68 |
Sobre los datos
-
Para S/ 612,696 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 612,696 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.