Cálculo de intereses
Ahorrando S/ 623,845
Veamos que pasaría si Usted ahorrara 623,845 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/ 623,845.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,126.82 | S/ 14,335.07 | S/ 21,625.65 | S/ 28,999.53 | S/ 652,844.53 |
| 8.50% | S/ 12,853.59 | S/ 25,972.00 | S/ 39,360.71 | S/ 53,025.28 | S/ 676,870.28 |
| 8.00% | S/ 12,118.81 | S/ 24,473.04 | S/ 37,067.27 | S/ 49,906.15 | S/ 673,751.15 |
| 7.10% | S/ 10,789.76 | S/ 21,766.14 | S/ 32,932.36 | S/ 44,291.71 | S/ 668,136.71 |
| 7.00% | S/ 10,641.58 | S/ 21,464.67 | S/ 32,472.39 | S/ 43,667.89 | S/ 667,512.89 |
| 6.50% | S/ 9,899.07 | S/ 19,955.22 | S/ 30,170.94 | S/ 40,548.75 | S/ 664,393.75 |
| 6.10% | S/ 9,303.18 | S/ 18,745.10 | S/ 28,327.82 | S/ 38,053.45 | S/ 661,898.45 |
| 6.20% | S/ 9,452.31 | S/ 19,047.84 | S/ 28,788.76 | S/ 38,677.27 | S/ 662,522.27 |
| 5.90% | S/ 9,004.61 | S/ 18,139.19 | S/ 27,405.61 | S/ 36,805.79 | S/ 660,650.79 |
| 5.75% | S/ 8,780.40 | S/ 17,684.37 | S/ 26,713.67 | S/ 35,870.05 | S/ 659,715.05 |
| 5.70% | S/ 8,705.61 | S/ 17,532.70 | S/ 26,482.97 | S/ 35,558.14 | S/ 659,403.14 |
| 5.65% | S/ 8,630.79 | S/ 17,380.99 | S/ 26,252.24 | S/ 35,246.23 | S/ 659,091.23 |
| 5.60% | S/ 8,555.95 | S/ 17,229.24 | S/ 26,021.49 | S/ 34,934.31 | S/ 658,779.31 |
| 5.50% | S/ 8,406.18 | S/ 16,925.64 | S/ 25,559.89 | S/ 34,310.49 | S/ 658,155.49 |
| 5.30% | S/ 8,106.33 | S/ 16,318.00 | S/ 24,636.37 | S/ 33,062.84 | S/ 656,907.84 |
| 5.25% | S/ 8,031.30 | S/ 16,166.00 | S/ 24,405.43 | S/ 32,750.92 | S/ 656,595.92 |
| 5.05% | S/ 7,730.92 | S/ 15,557.64 | S/ 23,481.36 | S/ 31,503.27 | S/ 655,348.27 |
| 5.00% | S/ 7,655.76 | S/ 15,405.46 | S/ 23,250.27 | S/ 31,191.36 | S/ 655,036.36 |
| 4.95% | S/ 7,580.57 | S/ 15,253.25 | S/ 23,019.16 | S/ 30,879.44 | S/ 654,724.44 |
| 4.75% | S/ 7,279.54 | S/ 14,644.02 | S/ 22,094.43 | S/ 29,631.79 | S/ 653,476.79 |
| 4.55% | S/ 6,978.08 | S/ 14,034.21 | S/ 21,169.27 | S/ 28,384.13 | S/ 652,229.13 |
| 4.50% | S/ 6,902.64 | S/ 13,881.66 | S/ 20,937.91 | S/ 28,072.22 | S/ 651,917.22 |
| 4.40% | S/ 6,751.70 | S/ 13,576.47 | S/ 20,475.10 | S/ 27,448.39 | S/ 651,293.39 |
| 4.30% | S/ 6,600.64 | S/ 13,271.12 | S/ 20,012.18 | S/ 26,824.57 | S/ 650,669.57 |
| 4.25% | S/ 6,525.07 | S/ 13,118.40 | S/ 19,780.68 | S/ 26,512.65 | S/ 650,357.65 |
| 4.20% | S/ 6,449.48 | S/ 12,965.64 | S/ 19,549.16 | S/ 26,200.74 | S/ 650,045.74 |
| 4.15% | S/ 6,373.86 | S/ 12,812.84 | S/ 19,317.60 | S/ 25,888.83 | S/ 649,733.83 |
| 4.00% | S/ 6,146.83 | S/ 12,354.22 | S/ 18,622.77 | S/ 24,953.09 | S/ 648,798.09 |
| 3.90% | S/ 5,995.33 | S/ 12,048.29 | S/ 18,159.41 | S/ 24,329.26 | S/ 648,174.26 |
| 3.75% | S/ 5,767.89 | S/ 11,589.12 | S/ 17,464.16 | S/ 23,393.52 | S/ 647,238.52 |
| 3.50% | S/ 5,388.28 | S/ 10,823.09 | S/ 16,304.85 | S/ 21,833.95 | S/ 645,678.95 |
| 3.00% | S/ 4,626.97 | S/ 9,288.26 | S/ 13,984.13 | S/ 18,714.82 | S/ 642,559.82 |
| 2.75% | S/ 4,245.28 | S/ 8,519.45 | S/ 12,822.71 | S/ 17,155.25 | S/ 641,000.25 |
| 2.50% | S/ 3,862.89 | S/ 7,749.71 | S/ 11,660.59 | S/ 15,595.68 | S/ 639,440.68 |
| 2.00% | S/ 3,096.01 | S/ 6,207.39 | S/ 9,334.21 | S/ 12,476.55 | S/ 636,321.55 |
| 1.35% | S/ 2,094.84 | S/ 4,196.72 | S/ 6,305.65 | S/ 8,421.67 | S/ 632,266.67 |
| 1.00% | S/ 1,553.75 | S/ 3,111.38 | S/ 4,672.88 | S/ 6,238.27 | S/ 630,083.27 |
| 0.10% | S/ 155.90 | S/ 311.84 | S/ 467.81 | S/ 623.83 | S/ 624,468.83 |
Sobre los datos
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Para S/ 623,845 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/ 623,845 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.