Cálculo de intereses
Ahorrando S/ 641,368
Veamos que pasaría si Usted ahorrara 641,368 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/ 641,368.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,327.01 | S/ 14,737.72 | S/ 22,233.09 | S/ 29,814.09 | S/ 671,182.09 |
| 8.50% | S/ 13,214.63 | S/ 26,701.52 | S/ 40,466.30 | S/ 54,514.69 | S/ 695,882.69 |
| 8.00% | S/ 12,459.21 | S/ 25,160.46 | S/ 38,108.44 | S/ 51,307.95 | S/ 692,675.95 |
| 7.10% | S/ 11,092.83 | S/ 22,377.53 | S/ 33,857.39 | S/ 45,535.81 | S/ 686,903.81 |
| 7.00% | S/ 10,940.48 | S/ 22,067.59 | S/ 33,384.50 | S/ 44,894.46 | S/ 686,262.46 |
| 6.50% | S/ 10,177.12 | S/ 20,515.73 | S/ 31,018.40 | S/ 41,687.72 | S/ 683,055.72 |
| 6.10% | S/ 9,564.50 | S/ 19,271.63 | S/ 29,123.51 | S/ 39,122.32 | S/ 680,490.32 |
| 6.20% | S/ 9,717.82 | S/ 19,582.87 | S/ 29,597.40 | S/ 39,763.67 | S/ 681,131.67 |
| 5.90% | S/ 9,257.53 | S/ 18,648.69 | S/ 28,175.40 | S/ 37,839.62 | S/ 679,207.62 |
| 5.75% | S/ 9,027.03 | S/ 18,181.11 | S/ 27,464.03 | S/ 36,877.60 | S/ 678,245.60 |
| 5.70% | S/ 8,950.14 | S/ 18,025.17 | S/ 27,226.84 | S/ 36,556.92 | S/ 677,924.92 |
| 5.65% | S/ 8,873.22 | S/ 17,869.20 | S/ 26,989.63 | S/ 36,236.25 | S/ 677,604.25 |
| 5.60% | S/ 8,796.27 | S/ 17,713.19 | S/ 26,752.40 | S/ 35,915.57 | S/ 677,283.57 |
| 5.50% | S/ 8,642.30 | S/ 17,401.06 | S/ 26,277.84 | S/ 35,274.23 | S/ 676,642.23 |
| 5.30% | S/ 8,334.03 | S/ 16,776.35 | S/ 25,328.38 | S/ 33,991.53 | S/ 675,359.53 |
| 5.25% | S/ 8,256.89 | S/ 16,620.08 | S/ 25,090.94 | S/ 33,670.85 | S/ 675,038.85 |
| 5.05% | S/ 7,948.07 | S/ 15,994.64 | S/ 24,140.92 | S/ 32,388.15 | S/ 673,756.15 |
| 5.00% | S/ 7,870.80 | S/ 15,838.18 | S/ 23,903.34 | S/ 32,067.48 | S/ 673,435.48 |
| 4.95% | S/ 7,793.49 | S/ 15,681.69 | S/ 23,665.74 | S/ 31,746.81 | S/ 673,114.81 |
| 4.75% | S/ 7,484.01 | S/ 15,055.35 | S/ 22,715.04 | S/ 30,464.11 | S/ 671,832.11 |
| 4.55% | S/ 7,174.08 | S/ 14,428.41 | S/ 21,763.88 | S/ 29,181.41 | S/ 670,549.41 |
| 4.50% | S/ 7,096.53 | S/ 14,271.58 | S/ 21,526.02 | S/ 28,860.73 | S/ 670,228.73 |
| 4.40% | S/ 6,941.34 | S/ 13,957.81 | S/ 21,050.22 | S/ 28,219.38 | S/ 669,587.38 |
| 4.30% | S/ 6,786.05 | S/ 13,643.89 | S/ 20,574.30 | S/ 27,578.04 | S/ 668,946.04 |
| 4.25% | S/ 6,708.36 | S/ 13,486.88 | S/ 20,336.30 | S/ 27,257.36 | S/ 668,625.36 |
| 4.20% | S/ 6,630.64 | S/ 13,329.82 | S/ 20,098.27 | S/ 26,936.69 | S/ 668,304.69 |
| 4.15% | S/ 6,552.89 | S/ 13,172.73 | S/ 19,860.21 | S/ 26,616.01 | S/ 667,984.01 |
| 4.00% | S/ 6,319.48 | S/ 12,701.23 | S/ 19,145.86 | S/ 25,653.99 | S/ 667,021.99 |
| 3.90% | S/ 6,163.74 | S/ 12,386.71 | S/ 18,669.48 | S/ 25,012.64 | S/ 666,380.64 |
| 3.75% | S/ 5,929.91 | S/ 11,914.64 | S/ 17,954.70 | S/ 24,050.61 | S/ 665,418.61 |
| 3.50% | S/ 5,539.63 | S/ 11,127.10 | S/ 16,762.83 | S/ 22,447.24 | S/ 663,815.24 |
| 3.00% | S/ 4,756.94 | S/ 9,549.16 | S/ 14,376.92 | S/ 19,240.49 | S/ 660,608.49 |
| 2.75% | S/ 4,364.53 | S/ 8,758.75 | S/ 13,182.88 | S/ 17,637.12 | S/ 659,005.12 |
| 2.50% | S/ 3,971.40 | S/ 7,967.39 | S/ 11,988.12 | S/ 16,033.75 | S/ 657,401.75 |
| 2.00% | S/ 3,182.98 | S/ 6,381.75 | S/ 9,596.40 | S/ 12,827.00 | S/ 654,195.00 |
| 1.35% | S/ 2,153.68 | S/ 4,314.60 | S/ 6,482.77 | S/ 8,658.22 | S/ 650,026.22 |
| 1.00% | S/ 1,597.40 | S/ 3,198.77 | S/ 4,804.14 | S/ 6,413.50 | S/ 647,781.50 |
| 0.10% | S/ 160.28 | S/ 320.59 | S/ 480.95 | S/ 641.35 | S/ 642,009.35 |
Sobre los datos
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Para S/ 641,368 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/ 641,368 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.