Cálculo de intereses
Ahorrando S/ 632,576
Veamos que pasaría si Usted ahorrara 632,576 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/ 632,576.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,226.57 | S/ 14,535.69 | S/ 21,928.32 | S/ 29,405.39 | S/ 661,981.39 |
| 8.50% | S/ 13,033.48 | S/ 26,335.49 | S/ 39,911.58 | S/ 53,767.39 | S/ 686,343.39 |
| 8.00% | S/ 12,288.42 | S/ 24,815.55 | S/ 37,586.04 | S/ 50,604.61 | S/ 683,180.61 |
| 7.10% | S/ 10,940.77 | S/ 22,070.77 | S/ 33,393.27 | S/ 44,911.59 | S/ 677,487.59 |
| 7.00% | S/ 10,790.51 | S/ 21,765.08 | S/ 32,926.86 | S/ 44,279.04 | S/ 676,855.04 |
| 6.50% | S/ 10,037.61 | S/ 20,234.50 | S/ 30,593.19 | S/ 41,116.25 | S/ 673,692.25 |
| 6.10% | S/ 9,433.38 | S/ 19,007.45 | S/ 28,724.28 | S/ 38,586.02 | S/ 671,162.02 |
| 6.20% | S/ 9,584.60 | S/ 19,314.43 | S/ 29,191.68 | S/ 39,218.58 | S/ 671,794.58 |
| 5.90% | S/ 9,130.63 | S/ 18,393.05 | S/ 27,789.17 | S/ 37,320.91 | S/ 669,896.91 |
| 5.75% | S/ 8,903.28 | S/ 17,931.88 | S/ 27,087.54 | S/ 36,372.07 | S/ 668,948.07 |
| 5.70% | S/ 8,827.45 | S/ 17,778.08 | S/ 26,853.61 | S/ 36,055.79 | S/ 668,631.79 |
| 5.65% | S/ 8,751.58 | S/ 17,624.24 | S/ 26,619.65 | S/ 35,739.52 | S/ 668,315.52 |
| 5.60% | S/ 8,675.69 | S/ 17,470.37 | S/ 26,385.67 | S/ 35,423.24 | S/ 667,999.24 |
| 5.50% | S/ 8,523.83 | S/ 17,162.52 | S/ 25,917.61 | S/ 34,790.68 | S/ 667,366.68 |
| 5.30% | S/ 8,219.79 | S/ 16,546.38 | S/ 24,981.17 | S/ 33,525.56 | S/ 666,101.56 |
| 5.25% | S/ 8,143.71 | S/ 16,392.25 | S/ 24,746.99 | S/ 33,209.29 | S/ 665,785.29 |
| 5.05% | S/ 7,839.12 | S/ 15,775.38 | S/ 23,809.99 | S/ 31,944.17 | S/ 664,520.17 |
| 5.00% | S/ 7,762.90 | S/ 15,621.07 | S/ 23,575.67 | S/ 31,627.89 | S/ 664,203.89 |
| 4.95% | S/ 7,686.66 | S/ 15,466.72 | S/ 23,341.33 | S/ 31,311.61 | S/ 663,887.61 |
| 4.75% | S/ 7,381.42 | S/ 14,848.97 | S/ 22,403.66 | S/ 30,046.50 | S/ 662,622.50 |
| 4.55% | S/ 7,075.74 | S/ 14,230.62 | S/ 21,465.54 | S/ 28,781.38 | S/ 661,357.38 |
| 4.50% | S/ 6,999.25 | S/ 14,075.95 | S/ 21,230.94 | S/ 28,465.11 | S/ 661,041.11 |
| 4.40% | S/ 6,846.19 | S/ 13,766.48 | S/ 20,761.66 | S/ 27,832.55 | S/ 660,408.55 |
| 4.30% | S/ 6,693.02 | S/ 13,456.86 | S/ 20,292.26 | S/ 27,199.99 | S/ 659,775.99 |
| 4.25% | S/ 6,616.40 | S/ 13,302.00 | S/ 20,057.52 | S/ 26,883.71 | S/ 659,459.71 |
| 4.20% | S/ 6,539.74 | S/ 13,147.10 | S/ 19,822.76 | S/ 26,567.43 | S/ 659,143.43 |
| 4.15% | S/ 6,463.06 | S/ 12,992.16 | S/ 19,587.96 | S/ 26,251.15 | S/ 658,827.15 |
| 4.00% | S/ 6,232.85 | S/ 12,527.12 | S/ 18,883.40 | S/ 25,302.32 | S/ 657,878.32 |
| 3.90% | S/ 6,079.24 | S/ 12,216.91 | S/ 18,413.56 | S/ 24,669.76 | S/ 657,245.76 |
| 3.75% | S/ 5,848.62 | S/ 11,751.31 | S/ 17,708.58 | S/ 23,720.92 | S/ 656,296.92 |
| 3.50% | S/ 5,463.69 | S/ 10,974.57 | S/ 16,533.04 | S/ 22,139.53 | S/ 654,715.53 |
| 3.00% | S/ 4,691.73 | S/ 9,418.26 | S/ 14,179.84 | S/ 18,976.74 | S/ 651,552.74 |
| 2.75% | S/ 4,304.70 | S/ 8,638.69 | S/ 13,002.17 | S/ 17,395.35 | S/ 649,971.35 |
| 2.50% | S/ 3,916.96 | S/ 7,858.17 | S/ 11,823.78 | S/ 15,813.95 | S/ 648,389.95 |
| 2.00% | S/ 3,139.34 | S/ 6,294.27 | S/ 9,464.85 | S/ 12,651.16 | S/ 645,227.16 |
| 1.35% | S/ 2,124.16 | S/ 4,255.45 | S/ 6,393.90 | S/ 8,539.54 | S/ 641,115.54 |
| 1.00% | S/ 1,575.50 | S/ 3,154.92 | S/ 4,738.28 | S/ 6,325.58 | S/ 638,901.58 |
| 0.10% | S/ 158.08 | S/ 316.20 | S/ 474.36 | S/ 632.56 | S/ 633,208.56 |
Sobre los datos
-
Para S/ 632,576 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 632,576 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.