Cálculo de intereses
Ahorrando S/ 648,928
Veamos que pasaría si Usted ahorrara 648,928 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/ 648,928.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,413.37 | S/ 14,911.44 | S/ 22,495.16 | S/ 30,165.52 | S/ 679,093.52 |
| 8.50% | S/ 13,370.39 | S/ 27,016.26 | S/ 40,943.29 | S/ 55,157.27 | S/ 704,085.27 |
| 8.00% | S/ 12,606.07 | S/ 25,457.03 | S/ 38,557.64 | S/ 51,912.73 | S/ 700,840.73 |
| 7.10% | S/ 11,223.59 | S/ 22,641.30 | S/ 34,256.48 | S/ 46,072.55 | S/ 695,000.55 |
| 7.00% | S/ 11,069.44 | S/ 22,327.71 | S/ 33,778.02 | S/ 45,423.64 | S/ 694,351.64 |
| 6.50% | S/ 10,297.08 | S/ 20,757.56 | S/ 31,384.02 | S/ 42,179.10 | S/ 691,107.10 |
| 6.10% | S/ 9,677.24 | S/ 19,498.79 | S/ 29,466.80 | S/ 39,583.47 | S/ 688,511.47 |
| 6.20% | S/ 9,832.36 | S/ 19,813.70 | S/ 29,946.28 | S/ 40,232.38 | S/ 689,160.38 |
| 5.90% | S/ 9,366.66 | S/ 18,868.51 | S/ 28,507.51 | S/ 38,285.65 | S/ 687,213.65 |
| 5.75% | S/ 9,133.43 | S/ 18,395.41 | S/ 27,787.75 | S/ 37,312.29 | S/ 686,240.29 |
| 5.70% | S/ 9,055.63 | S/ 18,237.64 | S/ 27,547.77 | S/ 36,987.83 | S/ 685,915.83 |
| 5.65% | S/ 8,977.81 | S/ 18,079.83 | S/ 27,307.77 | S/ 36,663.38 | S/ 685,591.38 |
| 5.60% | S/ 8,899.96 | S/ 17,921.98 | S/ 27,067.73 | S/ 36,338.92 | S/ 685,266.92 |
| 5.50% | S/ 8,744.17 | S/ 17,606.17 | S/ 26,587.58 | S/ 35,690.01 | S/ 684,618.01 |
| 5.30% | S/ 8,432.27 | S/ 16,974.10 | S/ 25,626.93 | S/ 34,392.20 | S/ 683,320.20 |
| 5.25% | S/ 8,354.22 | S/ 16,815.99 | S/ 25,386.70 | S/ 34,067.74 | S/ 682,995.74 |
| 5.05% | S/ 8,041.76 | S/ 16,183.17 | S/ 24,425.48 | S/ 32,769.92 | S/ 681,697.92 |
| 5.00% | S/ 7,963.57 | S/ 16,024.87 | S/ 24,185.10 | S/ 32,445.47 | S/ 681,373.47 |
| 4.95% | S/ 7,885.36 | S/ 15,866.54 | S/ 23,944.69 | S/ 32,121.01 | S/ 681,049.01 |
| 4.75% | S/ 7,572.23 | S/ 15,232.81 | S/ 22,982.79 | S/ 30,823.20 | S/ 679,751.20 |
| 4.55% | S/ 7,258.65 | S/ 14,598.48 | S/ 22,020.42 | S/ 29,525.38 | S/ 678,453.38 |
| 4.50% | S/ 7,180.18 | S/ 14,439.81 | S/ 21,779.76 | S/ 29,200.92 | S/ 678,128.92 |
| 4.40% | S/ 7,023.16 | S/ 14,122.34 | S/ 21,298.34 | S/ 28,552.02 | S/ 677,480.02 |
| 4.30% | S/ 6,866.04 | S/ 13,804.72 | S/ 20,816.82 | S/ 27,903.11 | S/ 676,831.11 |
| 4.25% | S/ 6,787.43 | S/ 13,645.85 | S/ 20,576.01 | S/ 27,578.65 | S/ 676,506.65 |
| 4.20% | S/ 6,708.79 | S/ 13,486.95 | S/ 20,335.17 | S/ 27,254.20 | S/ 676,182.20 |
| 4.15% | S/ 6,630.13 | S/ 13,328.00 | S/ 20,094.31 | S/ 26,929.74 | S/ 675,857.74 |
| 4.00% | S/ 6,393.97 | S/ 12,850.94 | S/ 19,371.54 | S/ 25,956.38 | S/ 674,884.38 |
| 3.90% | S/ 6,236.39 | S/ 12,532.71 | S/ 18,889.55 | S/ 25,307.47 | S/ 674,235.47 |
| 3.75% | S/ 5,999.80 | S/ 12,055.08 | S/ 18,166.34 | S/ 24,334.11 | S/ 673,262.11 |
| 3.50% | S/ 5,604.92 | S/ 11,258.26 | S/ 16,960.42 | S/ 22,711.83 | S/ 671,639.83 |
| 3.00% | S/ 4,813.01 | S/ 9,661.72 | S/ 14,546.39 | S/ 19,467.29 | S/ 668,395.29 |
| 2.75% | S/ 4,415.97 | S/ 8,862.00 | S/ 13,338.27 | S/ 17,845.01 | S/ 666,773.01 |
| 2.50% | S/ 4,018.21 | S/ 8,061.30 | S/ 12,129.42 | S/ 16,222.74 | S/ 665,150.74 |
| 2.00% | S/ 3,220.49 | S/ 6,456.97 | S/ 9,709.51 | S/ 12,978.19 | S/ 661,906.19 |
| 1.35% | S/ 2,179.07 | S/ 4,365.46 | S/ 6,559.19 | S/ 8,760.28 | S/ 657,688.28 |
| 1.00% | S/ 1,616.23 | S/ 3,236.48 | S/ 4,860.76 | S/ 6,489.10 | S/ 655,417.10 |
| 0.10% | S/ 162.17 | S/ 324.37 | S/ 486.62 | S/ 648.91 | S/ 649,576.91 |
Sobre los datos
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Para S/ 648,928 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/ 648,928 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.