Cálculo de intereses
Ahorrando S/ 630,188
Veamos que pasaría si Usted ahorrara 630,188 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/ 630,188.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,199.29 | S/ 14,480.82 | S/ 21,845.54 | S/ 29,294.39 | S/ 659,482.39 |
| 8.50% | S/ 12,984.28 | S/ 26,236.08 | S/ 39,760.92 | S/ 53,564.42 | S/ 683,752.42 |
| 8.00% | S/ 12,242.03 | S/ 24,721.87 | S/ 37,444.15 | S/ 50,413.57 | S/ 680,601.57 |
| 7.10% | S/ 10,899.47 | S/ 21,987.45 | S/ 33,267.21 | S/ 44,742.05 | S/ 674,930.05 |
| 7.00% | S/ 10,749.77 | S/ 21,682.92 | S/ 32,802.56 | S/ 44,111.88 | S/ 674,299.88 |
| 6.50% | S/ 9,999.72 | S/ 20,158.11 | S/ 30,477.70 | S/ 40,961.04 | S/ 671,149.04 |
| 6.10% | S/ 9,397.77 | S/ 18,935.69 | S/ 28,615.85 | S/ 38,440.36 | S/ 668,628.36 |
| 6.20% | S/ 9,548.42 | S/ 19,241.51 | S/ 29,081.48 | S/ 39,070.53 | S/ 669,258.53 |
| 5.90% | S/ 9,096.16 | S/ 18,323.62 | S/ 27,684.26 | S/ 37,180.02 | S/ 667,368.02 |
| 5.75% | S/ 8,869.67 | S/ 17,864.18 | S/ 26,985.29 | S/ 36,234.77 | S/ 666,422.77 |
| 5.70% | S/ 8,794.12 | S/ 17,710.96 | S/ 26,752.24 | S/ 35,919.68 | S/ 666,107.68 |
| 5.65% | S/ 8,718.55 | S/ 17,557.71 | S/ 26,519.16 | S/ 35,604.60 | S/ 665,792.60 |
| 5.60% | S/ 8,642.94 | S/ 17,404.42 | S/ 26,286.06 | S/ 35,289.51 | S/ 665,477.51 |
| 5.50% | S/ 8,491.65 | S/ 17,097.73 | S/ 25,819.77 | S/ 34,659.34 | S/ 664,847.34 |
| 5.30% | S/ 8,188.76 | S/ 16,483.92 | S/ 24,886.87 | S/ 33,399.00 | S/ 663,587.00 |
| 5.25% | S/ 8,112.96 | S/ 16,330.37 | S/ 24,653.57 | S/ 33,083.92 | S/ 663,271.92 |
| 5.05% | S/ 7,809.52 | S/ 15,715.83 | S/ 23,720.11 | S/ 31,823.58 | S/ 662,011.58 |
| 5.00% | S/ 7,733.60 | S/ 15,562.10 | S/ 23,486.67 | S/ 31,508.50 | S/ 661,696.50 |
| 4.95% | S/ 7,657.64 | S/ 15,408.34 | S/ 23,253.21 | S/ 31,193.41 | S/ 661,381.41 |
| 4.75% | S/ 7,353.55 | S/ 14,792.91 | S/ 22,319.08 | S/ 29,933.07 | S/ 660,121.07 |
| 4.55% | S/ 7,049.03 | S/ 14,176.90 | S/ 21,384.51 | S/ 28,672.73 | S/ 658,860.73 |
| 4.50% | S/ 6,972.83 | S/ 14,022.81 | S/ 21,150.79 | S/ 28,357.65 | S/ 658,545.65 |
| 4.40% | S/ 6,820.35 | S/ 13,714.51 | S/ 20,683.28 | S/ 27,727.48 | S/ 657,915.48 |
| 4.30% | S/ 6,667.76 | S/ 13,406.06 | S/ 20,215.66 | S/ 27,097.31 | S/ 657,285.31 |
| 4.25% | S/ 6,591.42 | S/ 13,251.78 | S/ 19,981.81 | S/ 26,782.22 | S/ 656,970.22 |
| 4.20% | S/ 6,515.06 | S/ 13,097.46 | S/ 19,747.92 | S/ 26,467.14 | S/ 656,655.14 |
| 4.15% | S/ 6,438.66 | S/ 12,943.11 | S/ 19,514.02 | S/ 26,152.05 | S/ 656,340.05 |
| 4.00% | S/ 6,209.32 | S/ 12,479.83 | S/ 18,812.12 | S/ 25,206.80 | S/ 655,394.80 |
| 3.90% | S/ 6,056.29 | S/ 12,170.79 | S/ 18,344.05 | S/ 24,576.63 | S/ 654,764.63 |
| 3.75% | S/ 5,826.54 | S/ 11,706.95 | S/ 17,641.73 | S/ 23,631.38 | S/ 653,819.38 |
| 3.50% | S/ 5,443.06 | S/ 10,933.14 | S/ 16,470.63 | S/ 22,055.95 | S/ 652,243.95 |
| 3.00% | S/ 4,674.02 | S/ 9,382.70 | S/ 14,126.31 | S/ 18,905.10 | S/ 649,093.10 |
| 2.75% | S/ 4,288.45 | S/ 8,606.08 | S/ 12,953.09 | S/ 17,329.68 | S/ 647,517.68 |
| 2.50% | S/ 3,902.17 | S/ 7,828.50 | S/ 11,779.15 | S/ 15,754.25 | S/ 645,942.25 |
| 2.00% | S/ 3,127.49 | S/ 6,270.51 | S/ 9,429.12 | S/ 12,603.40 | S/ 642,791.40 |
| 1.35% | S/ 2,116.14 | S/ 4,239.39 | S/ 6,369.77 | S/ 8,507.30 | S/ 638,695.30 |
| 1.00% | S/ 1,569.55 | S/ 3,143.01 | S/ 4,720.39 | S/ 6,301.70 | S/ 636,489.70 |
| 0.10% | S/ 157.48 | S/ 315.01 | S/ 472.57 | S/ 630.17 | S/ 630,818.17 |
Sobre los datos
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Para S/ 630,188 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/ 630,188 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.