Cálculo de intereses
Ahorrando S/ 649,385
Veamos que pasaría si Usted ahorrara 649,385 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/ 649,385.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,418.59 | S/ 14,921.94 | S/ 22,511.00 | S/ 30,186.76 | S/ 679,571.76 |
| 8.50% | S/ 13,379.81 | S/ 27,035.29 | S/ 40,972.13 | S/ 55,196.12 | S/ 704,581.12 |
| 8.00% | S/ 12,614.95 | S/ 25,474.96 | S/ 38,584.79 | S/ 51,949.29 | S/ 701,334.29 |
| 7.10% | S/ 11,231.49 | S/ 22,657.24 | S/ 34,280.60 | S/ 46,105.00 | S/ 695,490.00 |
| 7.00% | S/ 11,077.24 | S/ 22,343.43 | S/ 33,801.80 | S/ 45,455.63 | S/ 694,840.63 |
| 6.50% | S/ 10,304.34 | S/ 20,772.18 | S/ 31,406.12 | S/ 42,208.81 | S/ 691,593.81 |
| 6.10% | S/ 9,684.05 | S/ 19,512.52 | S/ 29,487.55 | S/ 39,611.34 | S/ 688,996.34 |
| 6.20% | S/ 9,839.29 | S/ 19,827.66 | S/ 29,967.37 | S/ 40,260.71 | S/ 689,645.71 |
| 5.90% | S/ 9,373.25 | S/ 18,881.80 | S/ 28,527.59 | S/ 38,312.61 | S/ 687,697.61 |
| 5.75% | S/ 9,139.86 | S/ 18,408.37 | S/ 27,807.32 | S/ 37,338.56 | S/ 686,723.56 |
| 5.70% | S/ 9,062.01 | S/ 18,250.48 | S/ 27,567.17 | S/ 37,013.88 | S/ 686,398.88 |
| 5.65% | S/ 8,984.13 | S/ 18,092.56 | S/ 27,327.00 | S/ 36,689.20 | S/ 686,074.20 |
| 5.60% | S/ 8,906.23 | S/ 17,934.60 | S/ 27,086.80 | S/ 36,364.51 | S/ 685,749.51 |
| 5.50% | S/ 8,750.33 | S/ 17,618.57 | S/ 26,606.30 | S/ 35,715.15 | S/ 685,100.15 |
| 5.30% | S/ 8,438.20 | S/ 16,986.05 | S/ 25,644.98 | S/ 34,416.42 | S/ 683,801.42 |
| 5.25% | S/ 8,360.10 | S/ 16,827.83 | S/ 25,404.58 | S/ 34,091.73 | S/ 683,476.73 |
| 5.05% | S/ 8,047.42 | S/ 16,194.57 | S/ 24,442.68 | S/ 32,793.00 | S/ 682,178.00 |
| 5.00% | S/ 7,969.18 | S/ 16,036.16 | S/ 24,202.13 | S/ 32,468.32 | S/ 681,853.32 |
| 4.95% | S/ 7,890.91 | S/ 15,877.71 | S/ 23,961.56 | S/ 32,143.64 | S/ 681,528.64 |
| 4.75% | S/ 7,577.56 | S/ 15,243.54 | S/ 22,998.97 | S/ 30,844.90 | S/ 680,229.90 |
| 4.55% | S/ 7,263.76 | S/ 14,608.76 | S/ 22,035.93 | S/ 29,546.17 | S/ 678,931.17 |
| 4.50% | S/ 7,185.24 | S/ 14,449.98 | S/ 21,795.10 | S/ 29,221.49 | S/ 678,606.49 |
| 4.40% | S/ 7,028.11 | S/ 14,132.28 | S/ 21,313.34 | S/ 28,572.12 | S/ 677,957.12 |
| 4.30% | S/ 6,870.87 | S/ 13,814.44 | S/ 20,831.48 | S/ 27,922.76 | S/ 677,307.76 |
| 4.25% | S/ 6,792.21 | S/ 13,655.46 | S/ 20,590.50 | S/ 27,598.07 | S/ 676,983.07 |
| 4.20% | S/ 6,713.52 | S/ 13,496.44 | S/ 20,349.49 | S/ 27,273.39 | S/ 676,658.39 |
| 4.15% | S/ 6,634.80 | S/ 13,337.39 | S/ 20,108.46 | S/ 26,948.71 | S/ 676,333.71 |
| 4.00% | S/ 6,398.47 | S/ 12,859.99 | S/ 19,385.18 | S/ 25,974.66 | S/ 675,359.66 |
| 3.90% | S/ 6,240.78 | S/ 12,541.54 | S/ 18,902.85 | S/ 25,325.29 | S/ 674,710.29 |
| 3.75% | S/ 6,004.03 | S/ 12,063.57 | S/ 18,179.13 | S/ 24,351.24 | S/ 673,736.24 |
| 3.50% | S/ 5,608.87 | S/ 11,266.19 | S/ 16,972.36 | S/ 22,727.83 | S/ 672,112.83 |
| 3.00% | S/ 4,816.40 | S/ 9,668.52 | S/ 14,556.63 | S/ 19,481.00 | S/ 668,866.00 |
| 2.75% | S/ 4,419.08 | S/ 8,868.24 | S/ 13,347.67 | S/ 17,857.58 | S/ 667,242.58 |
| 2.50% | S/ 4,021.04 | S/ 8,066.98 | S/ 12,137.97 | S/ 16,234.16 | S/ 665,619.16 |
| 2.00% | S/ 3,222.76 | S/ 6,461.52 | S/ 9,716.35 | S/ 12,987.33 | S/ 662,372.33 |
| 1.35% | S/ 2,180.60 | S/ 4,368.53 | S/ 6,563.80 | S/ 8,766.45 | S/ 658,151.45 |
| 1.00% | S/ 1,617.36 | S/ 3,238.76 | S/ 4,864.19 | S/ 6,493.67 | S/ 655,878.67 |
| 0.10% | S/ 162.28 | S/ 324.60 | S/ 486.96 | S/ 649.37 | S/ 650,034.37 |
Sobre los datos
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Para S/ 649,385 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/ 649,385 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.
