Cálculo de intereses
Ahorrando S/ 645,420
Veamos que pasaría si Usted ahorrara 645,420 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/ 645,420.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,373.30 | S/ 14,830.83 | S/ 22,373.55 | S/ 30,002.45 | S/ 675,422.45 |
| 8.50% | S/ 13,298.11 | S/ 26,870.22 | S/ 40,721.96 | S/ 54,859.10 | S/ 700,279.10 |
| 8.00% | S/ 12,537.93 | S/ 25,319.42 | S/ 38,349.20 | S/ 51,632.10 | S/ 697,052.10 |
| 7.10% | S/ 11,162.92 | S/ 22,518.90 | S/ 34,071.29 | S/ 45,823.49 | S/ 691,243.49 |
| 7.00% | S/ 11,009.60 | S/ 22,207.01 | S/ 33,595.42 | S/ 45,178.09 | S/ 690,598.09 |
| 6.50% | S/ 10,241.42 | S/ 20,645.35 | S/ 31,214.36 | S/ 41,951.09 | S/ 687,371.09 |
| 6.10% | S/ 9,624.92 | S/ 19,393.38 | S/ 29,307.51 | S/ 39,369.48 | S/ 684,789.48 |
| 6.20% | S/ 9,779.21 | S/ 19,706.59 | S/ 29,784.39 | S/ 40,014.89 | S/ 685,434.89 |
| 5.90% | S/ 9,316.02 | S/ 18,766.51 | S/ 28,353.41 | S/ 38,078.68 | S/ 683,498.68 |
| 5.75% | S/ 9,084.06 | S/ 18,295.97 | S/ 27,637.54 | S/ 37,110.58 | S/ 682,530.58 |
| 5.70% | S/ 9,006.68 | S/ 18,139.05 | S/ 27,398.86 | S/ 36,787.88 | S/ 682,207.88 |
| 5.65% | S/ 8,929.28 | S/ 17,982.09 | S/ 27,160.15 | S/ 36,465.18 | S/ 681,885.18 |
| 5.60% | S/ 8,851.85 | S/ 17,825.09 | S/ 26,921.41 | S/ 36,142.48 | S/ 681,562.48 |
| 5.50% | S/ 8,696.90 | S/ 17,510.99 | S/ 26,443.85 | S/ 35,497.08 | S/ 680,917.08 |
| 5.30% | S/ 8,386.68 | S/ 16,882.34 | S/ 25,488.40 | S/ 34,206.28 | S/ 679,626.28 |
| 5.25% | S/ 8,309.06 | S/ 16,725.09 | S/ 25,249.46 | S/ 33,883.58 | S/ 679,303.58 |
| 5.05% | S/ 7,998.28 | S/ 16,095.69 | S/ 24,293.44 | S/ 32,592.77 | S/ 678,012.77 |
| 5.00% | S/ 7,920.52 | S/ 15,938.24 | S/ 24,054.36 | S/ 32,270.07 | S/ 677,690.07 |
| 4.95% | S/ 7,842.73 | S/ 15,780.76 | S/ 23,815.25 | S/ 31,947.37 | S/ 677,367.37 |
| 4.75% | S/ 7,531.29 | S/ 15,150.47 | S/ 22,858.55 | S/ 30,656.57 | S/ 676,076.57 |
| 4.55% | S/ 7,219.41 | S/ 14,519.57 | S/ 21,901.38 | S/ 29,365.77 | S/ 674,785.77 |
| 4.50% | S/ 7,141.37 | S/ 14,361.75 | S/ 21,662.02 | S/ 29,043.07 | S/ 674,463.07 |
| 4.40% | S/ 6,985.20 | S/ 14,046.00 | S/ 21,183.21 | S/ 28,397.67 | S/ 673,817.67 |
| 4.30% | S/ 6,828.92 | S/ 13,730.09 | S/ 20,704.28 | S/ 27,752.27 | S/ 673,172.27 |
| 4.25% | S/ 6,750.74 | S/ 13,572.08 | S/ 20,464.78 | S/ 27,429.57 | S/ 672,849.57 |
| 4.20% | S/ 6,672.53 | S/ 13,414.04 | S/ 20,225.24 | S/ 27,106.87 | S/ 672,526.87 |
| 4.15% | S/ 6,594.29 | S/ 13,255.95 | S/ 19,985.68 | S/ 26,784.16 | S/ 672,204.16 |
| 4.00% | S/ 6,359.41 | S/ 12,781.47 | S/ 19,266.82 | S/ 25,816.06 | S/ 671,236.06 |
| 3.90% | S/ 6,202.68 | S/ 12,464.96 | S/ 18,787.43 | S/ 25,170.66 | S/ 670,590.66 |
| 3.75% | S/ 5,967.37 | S/ 11,989.91 | S/ 18,068.14 | S/ 24,202.56 | S/ 669,622.56 |
| 3.50% | S/ 5,574.62 | S/ 11,197.40 | S/ 16,868.73 | S/ 22,589.06 | S/ 668,009.06 |
| 3.00% | S/ 4,786.99 | S/ 9,609.49 | S/ 14,467.75 | S/ 19,362.05 | S/ 664,782.05 |
| 2.75% | S/ 4,392.10 | S/ 8,814.09 | S/ 13,266.17 | S/ 17,748.55 | S/ 663,168.55 |
| 2.50% | S/ 3,996.49 | S/ 8,017.72 | S/ 12,063.85 | S/ 16,135.04 | S/ 661,555.04 |
| 2.00% | S/ 3,203.09 | S/ 6,422.07 | S/ 9,657.02 | S/ 12,908.03 | S/ 658,328.03 |
| 1.35% | S/ 2,167.29 | S/ 4,341.86 | S/ 6,523.73 | S/ 8,712.92 | S/ 654,132.92 |
| 1.00% | S/ 1,607.49 | S/ 3,218.98 | S/ 4,834.49 | S/ 6,454.02 | S/ 651,874.02 |
| 0.10% | S/ 161.29 | S/ 322.62 | S/ 483.99 | S/ 645.40 | S/ 646,065.40 |
Sobre los datos
-
Para S/ 645,420 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 645,420 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.