Cálculo de intereses
Ahorrando S/ 638,772
Veamos que pasaría si Usted ahorrara 638,772 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/ 638,772.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,297.35 | S/ 14,678.07 | S/ 22,143.10 | S/ 29,693.42 | S/ 668,465.42 |
| 8.50% | S/ 13,161.14 | S/ 26,593.45 | S/ 40,302.51 | S/ 54,294.04 | S/ 693,066.04 |
| 8.00% | S/ 12,408.78 | S/ 25,058.62 | S/ 37,954.19 | S/ 51,100.27 | S/ 689,872.27 |
| 7.10% | S/ 11,047.93 | S/ 22,286.95 | S/ 33,720.35 | S/ 45,351.50 | S/ 684,123.50 |
| 7.00% | S/ 10,896.20 | S/ 21,978.27 | S/ 33,249.38 | S/ 44,712.75 | S/ 683,484.75 |
| 6.50% | S/ 10,135.93 | S/ 20,432.70 | S/ 30,892.85 | S/ 41,518.98 | S/ 680,290.98 |
| 6.10% | S/ 9,525.78 | S/ 19,193.62 | S/ 29,005.63 | S/ 38,963.97 | S/ 677,735.97 |
| 6.20% | S/ 9,678.48 | S/ 19,503.61 | S/ 29,477.60 | S/ 39,602.72 | S/ 678,374.72 |
| 5.90% | S/ 9,220.06 | S/ 18,573.21 | S/ 28,061.36 | S/ 37,686.46 | S/ 676,458.46 |
| 5.75% | S/ 8,990.49 | S/ 18,107.52 | S/ 27,352.86 | S/ 36,728.33 | S/ 675,500.33 |
| 5.70% | S/ 8,913.91 | S/ 17,952.21 | S/ 27,116.64 | S/ 36,408.96 | S/ 675,180.96 |
| 5.65% | S/ 8,837.30 | S/ 17,796.87 | S/ 26,880.39 | S/ 36,089.58 | S/ 674,861.58 |
| 5.60% | S/ 8,760.67 | S/ 17,641.49 | S/ 26,644.11 | S/ 35,770.20 | S/ 674,542.20 |
| 5.50% | S/ 8,607.32 | S/ 17,330.62 | S/ 26,171.47 | S/ 35,131.45 | S/ 673,903.45 |
| 5.30% | S/ 8,300.30 | S/ 16,708.45 | S/ 25,225.86 | S/ 33,853.94 | S/ 672,625.94 |
| 5.25% | S/ 8,223.47 | S/ 16,552.81 | S/ 24,989.38 | S/ 33,534.57 | S/ 672,306.57 |
| 5.05% | S/ 7,915.90 | S/ 15,929.90 | S/ 24,043.21 | S/ 32,257.06 | S/ 671,029.06 |
| 5.00% | S/ 7,838.94 | S/ 15,774.08 | S/ 23,806.59 | S/ 31,937.68 | S/ 670,709.68 |
| 4.95% | S/ 7,761.95 | S/ 15,618.22 | S/ 23,569.95 | S/ 31,618.31 | S/ 670,390.31 |
| 4.75% | S/ 7,453.72 | S/ 14,994.41 | S/ 22,623.10 | S/ 30,340.80 | S/ 669,112.80 |
| 4.55% | S/ 7,145.04 | S/ 14,370.01 | S/ 21,675.79 | S/ 29,063.29 | S/ 667,835.29 |
| 4.50% | S/ 7,067.81 | S/ 14,213.82 | S/ 21,438.90 | S/ 28,743.92 | S/ 667,515.92 |
| 4.40% | S/ 6,913.25 | S/ 13,901.32 | S/ 20,965.02 | S/ 28,105.16 | S/ 666,877.16 |
| 4.30% | S/ 6,758.58 | S/ 13,588.67 | S/ 20,491.02 | S/ 27,466.41 | S/ 666,238.41 |
| 4.25% | S/ 6,681.20 | S/ 13,432.29 | S/ 20,253.99 | S/ 27,147.03 | S/ 665,919.03 |
| 4.20% | S/ 6,603.80 | S/ 13,275.87 | S/ 20,016.92 | S/ 26,827.66 | S/ 665,599.66 |
| 4.15% | S/ 6,526.37 | S/ 13,119.41 | S/ 19,779.82 | S/ 26,508.28 | S/ 665,280.28 |
| 4.00% | S/ 6,293.90 | S/ 12,649.82 | S/ 19,068.36 | S/ 25,550.15 | S/ 664,322.15 |
| 3.90% | S/ 6,138.79 | S/ 12,336.57 | S/ 18,593.92 | S/ 24,911.40 | S/ 663,683.40 |
| 3.75% | S/ 5,905.90 | S/ 11,866.41 | S/ 17,882.03 | S/ 23,953.27 | S/ 662,725.27 |
| 3.50% | S/ 5,517.20 | S/ 11,082.06 | S/ 16,694.98 | S/ 22,356.38 | S/ 661,128.38 |
| 3.00% | S/ 4,737.68 | S/ 9,510.51 | S/ 14,318.73 | S/ 19,162.62 | S/ 657,934.62 |
| 2.75% | S/ 4,346.86 | S/ 8,723.30 | S/ 13,129.52 | S/ 17,565.73 | S/ 656,337.73 |
| 2.50% | S/ 3,955.32 | S/ 7,935.14 | S/ 11,939.59 | S/ 15,968.85 | S/ 654,740.85 |
| 2.00% | S/ 3,170.09 | S/ 6,355.92 | S/ 9,557.55 | S/ 12,775.08 | S/ 651,547.08 |
| 1.35% | S/ 2,144.97 | S/ 4,297.14 | S/ 6,456.53 | S/ 8,623.18 | S/ 647,395.18 |
| 1.00% | S/ 1,590.93 | S/ 3,185.83 | S/ 4,784.69 | S/ 6,387.54 | S/ 645,159.54 |
| 0.10% | S/ 159.63 | S/ 319.30 | S/ 479.01 | S/ 638.75 | S/ 639,410.75 |
Sobre los datos
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Para S/ 638,772 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/ 638,772 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.
