Cálculo de intereses
Ahorrando S/ 616,427
Veamos que pasaría si Usted ahorrara 616,427 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/ 616,427.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,042.08 | S/ 14,164.61 | S/ 21,368.51 | S/ 28,654.70 | S/ 645,081.70 |
| 8.50% | S/ 12,700.75 | S/ 25,663.18 | S/ 38,892.68 | S/ 52,394.77 | S/ 668,821.77 |
| 8.00% | S/ 11,974.71 | S/ 24,182.04 | S/ 36,626.51 | S/ 49,312.73 | S/ 665,739.73 |
| 7.10% | S/ 10,661.46 | S/ 21,507.33 | S/ 32,540.77 | S/ 43,765.05 | S/ 660,192.05 |
| 7.00% | S/ 10,515.04 | S/ 21,209.44 | S/ 32,086.27 | S/ 43,148.64 | S/ 659,575.64 |
| 6.50% | S/ 9,781.36 | S/ 19,717.94 | S/ 29,812.18 | S/ 40,066.60 | S/ 656,493.60 |
| 6.10% | S/ 9,192.56 | S/ 18,522.21 | S/ 27,990.98 | S/ 37,600.96 | S/ 654,027.96 |
| 6.20% | S/ 9,339.92 | S/ 18,821.35 | S/ 28,446.44 | S/ 38,217.37 | S/ 654,644.37 |
| 5.90% | S/ 8,897.53 | S/ 17,923.50 | S/ 27,079.74 | S/ 36,368.15 | S/ 652,795.15 |
| 5.75% | S/ 8,675.99 | S/ 17,474.09 | S/ 26,396.03 | S/ 35,443.53 | S/ 651,870.53 |
| 5.70% | S/ 8,602.09 | S/ 17,324.22 | S/ 26,168.07 | S/ 35,135.33 | S/ 651,562.33 |
| 5.65% | S/ 8,528.16 | S/ 17,174.31 | S/ 25,940.08 | S/ 34,827.12 | S/ 651,254.12 |
| 5.60% | S/ 8,454.21 | S/ 17,024.37 | S/ 25,712.07 | S/ 34,518.92 | S/ 650,945.92 |
| 5.50% | S/ 8,306.23 | S/ 16,724.38 | S/ 25,255.96 | S/ 33,902.51 | S/ 650,329.51 |
| 5.30% | S/ 8,009.94 | S/ 16,123.97 | S/ 24,343.43 | S/ 32,669.69 | S/ 649,096.69 |
| 5.25% | S/ 7,935.81 | S/ 15,973.78 | S/ 24,115.23 | S/ 32,361.49 | S/ 648,788.49 |
| 5.05% | S/ 7,638.99 | S/ 15,372.65 | S/ 23,202.15 | S/ 31,128.67 | S/ 647,555.67 |
| 5.00% | S/ 7,564.72 | S/ 15,222.28 | S/ 22,973.81 | S/ 30,820.47 | S/ 647,247.47 |
| 4.95% | S/ 7,490.43 | S/ 15,071.87 | S/ 22,745.45 | S/ 30,512.26 | S/ 646,939.26 |
| 4.75% | S/ 7,192.98 | S/ 14,469.89 | S/ 21,831.71 | S/ 29,279.44 | S/ 645,706.44 |
| 4.55% | S/ 6,895.10 | S/ 13,867.33 | S/ 20,917.55 | S/ 28,046.63 | S/ 644,473.63 |
| 4.50% | S/ 6,820.57 | S/ 13,716.60 | S/ 20,688.94 | S/ 27,738.42 | S/ 644,165.42 |
| 4.40% | S/ 6,671.42 | S/ 13,415.03 | S/ 20,231.64 | S/ 27,122.01 | S/ 643,549.01 |
| 4.30% | S/ 6,522.16 | S/ 13,113.32 | S/ 19,774.22 | S/ 26,505.60 | S/ 642,932.60 |
| 4.25% | S/ 6,447.49 | S/ 12,962.41 | S/ 19,545.48 | S/ 26,197.40 | S/ 642,624.40 |
| 4.20% | S/ 6,372.79 | S/ 12,811.46 | S/ 19,316.70 | S/ 25,889.19 | S/ 642,316.19 |
| 4.15% | S/ 6,298.07 | S/ 12,660.48 | S/ 19,087.90 | S/ 25,580.99 | S/ 642,007.99 |
| 4.00% | S/ 6,073.73 | S/ 12,207.32 | S/ 18,401.33 | S/ 24,656.38 | S/ 641,083.38 |
| 3.90% | S/ 5,924.05 | S/ 11,905.02 | S/ 17,943.48 | S/ 24,039.97 | S/ 640,466.97 |
| 3.75% | S/ 5,699.31 | S/ 11,451.31 | S/ 17,256.50 | S/ 23,115.35 | S/ 639,542.35 |
| 3.50% | S/ 5,324.21 | S/ 10,694.40 | S/ 16,110.97 | S/ 21,574.33 | S/ 638,001.33 |
| 3.00% | S/ 4,571.95 | S/ 9,177.82 | S/ 13,817.84 | S/ 18,492.28 | S/ 634,919.28 |
| 2.75% | S/ 4,194.80 | S/ 8,418.15 | S/ 12,670.24 | S/ 16,951.26 | S/ 633,378.26 |
| 2.50% | S/ 3,816.96 | S/ 7,657.56 | S/ 11,521.93 | S/ 15,410.24 | S/ 631,837.24 |
| 2.00% | S/ 3,059.20 | S/ 6,133.58 | S/ 9,223.22 | S/ 12,328.19 | S/ 628,755.19 |
| 1.35% | S/ 2,069.93 | S/ 4,146.82 | S/ 6,230.67 | S/ 8,321.53 | S/ 624,748.53 |
| 1.00% | S/ 1,535.28 | S/ 3,074.38 | S/ 4,617.32 | S/ 6,164.10 | S/ 622,591.10 |
| 0.10% | S/ 154.04 | S/ 308.13 | S/ 462.25 | S/ 616.41 | S/ 617,043.41 |
Sobre los datos
-
Para S/ 616,427 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 616,427 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.