Cálculo de intereses
Ahorrando S/ 624,995
Veamos que pasaría si Usted ahorrara 624,995 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2023) 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/ 624,995.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,139.96 | S/ 14,361.49 | S/ 21,665.52 | S/ 29,052.99 | S/ 654,047.99 |
| 8.50% | S/ 12,877.28 | S/ 26,019.88 | S/ 39,433.27 | S/ 53,123.03 | S/ 678,118.03 |
| 8.00% | S/ 12,141.15 | S/ 24,518.16 | S/ 37,135.60 | S/ 49,998.15 | S/ 674,993.15 |
| 7.10% | S/ 10,809.65 | S/ 21,806.27 | S/ 32,993.07 | S/ 44,373.36 | S/ 669,368.36 |
| 7.00% | S/ 10,661.19 | S/ 21,504.24 | S/ 32,532.25 | S/ 43,748.38 | S/ 668,743.38 |
| 6.50% | S/ 9,917.32 | S/ 19,992.00 | S/ 30,226.55 | S/ 40,623.50 | S/ 665,618.50 |
| 6.10% | S/ 9,320.33 | S/ 18,779.66 | S/ 28,380.04 | S/ 38,123.60 | S/ 663,118.60 |
| 6.20% | S/ 9,469.74 | S/ 19,082.96 | S/ 28,841.83 | S/ 38,748.57 | S/ 663,743.57 |
| 5.90% | S/ 9,021.21 | S/ 18,172.62 | S/ 27,456.13 | S/ 36,873.64 | S/ 661,868.64 |
| 5.75% | S/ 8,796.58 | S/ 17,716.97 | S/ 26,762.92 | S/ 35,936.18 | S/ 660,931.18 |
| 5.70% | S/ 8,721.66 | S/ 17,565.02 | S/ 26,531.79 | S/ 35,623.69 | S/ 660,618.69 |
| 5.65% | S/ 8,646.70 | S/ 17,413.03 | S/ 26,300.64 | S/ 35,311.20 | S/ 660,306.20 |
| 5.60% | S/ 8,571.72 | S/ 17,261.00 | S/ 26,069.45 | S/ 34,998.71 | S/ 659,993.71 |
| 5.50% | S/ 8,421.68 | S/ 16,956.84 | S/ 25,607.01 | S/ 34,373.74 | S/ 659,368.74 |
| 5.30% | S/ 8,121.28 | S/ 16,348.08 | S/ 24,681.79 | S/ 33,123.78 | S/ 658,118.78 |
| 5.25% | S/ 8,046.11 | S/ 16,195.80 | S/ 24,450.41 | S/ 32,811.30 | S/ 657,806.30 |
| 5.05% | S/ 7,745.17 | S/ 15,586.32 | S/ 23,524.64 | S/ 31,561.34 | S/ 656,556.34 |
| 5.00% | S/ 7,669.87 | S/ 15,433.86 | S/ 23,293.13 | S/ 31,248.85 | S/ 656,243.85 |
| 4.95% | S/ 7,594.54 | S/ 15,281.36 | S/ 23,061.59 | S/ 30,936.37 | S/ 655,931.37 |
| 4.75% | S/ 7,292.96 | S/ 14,671.01 | S/ 22,135.16 | S/ 29,686.41 | S/ 654,681.41 |
| 4.55% | S/ 6,990.94 | S/ 14,060.08 | S/ 21,208.29 | S/ 28,436.46 | S/ 653,431.46 |
| 4.50% | S/ 6,915.37 | S/ 13,907.25 | S/ 20,976.50 | S/ 28,123.97 | S/ 653,118.97 |
| 4.40% | S/ 6,764.14 | S/ 13,601.49 | S/ 20,512.84 | S/ 27,498.99 | S/ 652,493.99 |
| 4.30% | S/ 6,612.81 | S/ 13,295.59 | S/ 20,049.07 | S/ 26,874.02 | S/ 651,869.02 |
| 4.25% | S/ 6,537.10 | S/ 13,142.58 | S/ 19,817.15 | S/ 26,561.53 | S/ 651,556.53 |
| 4.20% | S/ 6,461.37 | S/ 12,989.54 | S/ 19,585.19 | S/ 26,249.04 | S/ 651,244.04 |
| 4.15% | S/ 6,385.61 | S/ 12,836.45 | S/ 19,353.21 | S/ 25,936.55 | S/ 650,931.55 |
| 4.00% | S/ 6,158.16 | S/ 12,376.99 | S/ 18,657.10 | S/ 24,999.09 | S/ 649,994.09 |
| 3.90% | S/ 6,006.39 | S/ 12,070.50 | S/ 18,192.88 | S/ 24,374.11 | S/ 649,369.11 |
| 3.75% | S/ 5,778.53 | S/ 11,610.48 | S/ 17,496.35 | S/ 23,436.64 | S/ 648,431.64 |
| 3.50% | S/ 5,398.21 | S/ 10,843.04 | S/ 16,334.91 | S/ 21,874.20 | S/ 646,869.20 |
| 3.00% | S/ 4,635.50 | S/ 9,305.39 | S/ 14,009.91 | S/ 18,749.32 | S/ 643,744.32 |
| 2.75% | S/ 4,253.11 | S/ 8,535.16 | S/ 12,846.35 | S/ 17,186.87 | S/ 642,181.87 |
| 2.50% | S/ 3,870.01 | S/ 7,763.99 | S/ 11,682.08 | S/ 15,624.43 | S/ 640,619.43 |
| 2.00% | S/ 3,101.72 | S/ 6,218.83 | S/ 9,351.42 | S/ 12,499.55 | S/ 637,494.55 |
| 1.35% | S/ 2,098.70 | S/ 4,204.46 | S/ 6,317.28 | S/ 8,437.19 | S/ 633,432.19 |
| 1.00% | S/ 1,556.62 | S/ 3,117.11 | S/ 4,681.50 | S/ 6,249.77 | S/ 631,244.77 |
| 0.10% | S/ 156.19 | S/ 312.41 | S/ 468.67 | S/ 624.98 | S/ 625,619.98 |
Sobre los datos
-
Para S/ 624,995 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 624,995 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.
