Cálculo de intereses
Ahorrando S/ 684,534
Veamos que pasaría si Usted ahorrara 684,534 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2020) 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/ 684,534.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 7,820.14 | S/ 15,729.61 | S/ 23,729.45 | S/ 31,820.67 | S/ 716,354.67 |
| 8.50% | S/ 14,104.01 | S/ 28,498.62 | S/ 43,189.81 | S/ 58,183.69 | S/ 742,717.69 |
| 8.00% | S/ 13,297.76 | S/ 26,853.83 | S/ 40,673.25 | S/ 54,761.13 | S/ 739,295.13 |
| 7.10% | S/ 11,839.42 | S/ 23,883.60 | S/ 36,136.10 | S/ 48,600.51 | S/ 733,134.51 |
| 7.00% | S/ 11,676.81 | S/ 23,552.80 | S/ 35,631.38 | S/ 47,915.99 | S/ 732,449.99 |
| 6.50% | S/ 10,862.07 | S/ 21,896.51 | S/ 33,106.03 | S/ 44,493.42 | S/ 729,027.42 |
| 6.10% | S/ 10,208.22 | S/ 20,568.66 | S/ 31,083.61 | S/ 41,755.37 | S/ 726,289.37 |
| 6.20% | S/ 10,371.85 | S/ 20,900.86 | S/ 31,589.40 | S/ 42,439.88 | S/ 726,973.88 |
| 5.90% | S/ 9,880.59 | S/ 19,903.81 | S/ 30,071.69 | S/ 40,386.34 | S/ 724,920.34 |
| 5.75% | S/ 9,634.57 | S/ 19,404.75 | S/ 29,312.44 | S/ 39,359.57 | S/ 723,893.57 |
| 5.70% | S/ 9,552.51 | S/ 19,238.32 | S/ 29,059.29 | S/ 39,017.31 | S/ 723,551.31 |
| 5.65% | S/ 9,470.41 | S/ 19,071.85 | S/ 28,806.12 | S/ 38,675.06 | S/ 723,209.06 |
| 5.60% | S/ 9,388.29 | S/ 18,905.34 | S/ 28,552.91 | S/ 38,332.80 | S/ 722,866.80 |
| 5.50% | S/ 9,223.96 | S/ 18,572.20 | S/ 28,046.41 | S/ 37,648.29 | S/ 722,182.29 |
| 5.30% | S/ 8,894.94 | S/ 17,905.45 | S/ 27,033.05 | S/ 36,279.26 | S/ 720,813.26 |
| 5.25% | S/ 8,812.61 | S/ 17,738.67 | S/ 26,779.64 | S/ 35,937.00 | S/ 720,471.00 |
| 5.05% | S/ 8,483.00 | S/ 17,071.12 | S/ 25,765.68 | S/ 34,567.98 | S/ 719,101.98 |
| 5.00% | S/ 8,400.53 | S/ 16,904.14 | S/ 25,512.11 | S/ 34,225.72 | S/ 718,759.72 |
| 4.95% | S/ 8,318.02 | S/ 16,737.12 | S/ 25,258.52 | S/ 33,883.46 | S/ 718,417.46 |
| 4.75% | S/ 7,987.71 | S/ 16,068.62 | S/ 24,243.83 | S/ 32,514.43 | S/ 717,048.43 |
| 4.55% | S/ 7,656.92 | S/ 15,399.49 | S/ 23,228.66 | S/ 31,145.41 | S/ 715,679.41 |
| 4.50% | S/ 7,574.15 | S/ 15,232.10 | S/ 22,974.79 | S/ 30,803.15 | S/ 715,337.15 |
| 4.40% | S/ 7,408.52 | S/ 14,897.22 | S/ 22,466.96 | S/ 30,118.63 | S/ 714,652.63 |
| 4.30% | S/ 7,242.77 | S/ 14,562.17 | S/ 21,959.01 | S/ 29,434.12 | S/ 713,968.12 |
| 4.25% | S/ 7,159.85 | S/ 14,394.58 | S/ 21,704.99 | S/ 29,091.86 | S/ 713,625.86 |
| 4.20% | S/ 7,076.90 | S/ 14,226.96 | S/ 21,450.94 | S/ 28,749.61 | S/ 713,283.61 |
| 4.15% | S/ 6,993.92 | S/ 14,059.30 | S/ 21,196.86 | S/ 28,407.35 | S/ 712,941.35 |
| 4.00% | S/ 6,744.80 | S/ 13,556.06 | S/ 20,434.43 | S/ 27,380.58 | S/ 711,914.58 |
| 3.90% | S/ 6,578.57 | S/ 13,220.37 | S/ 19,926.00 | S/ 26,696.06 | S/ 711,230.06 |
| 3.75% | S/ 6,329.01 | S/ 12,716.53 | S/ 19,163.11 | S/ 25,669.29 | S/ 710,203.29 |
| 3.50% | S/ 5,912.46 | S/ 11,875.99 | S/ 17,891.02 | S/ 23,958.01 | S/ 708,492.01 |
| 3.00% | S/ 5,077.10 | S/ 10,191.85 | S/ 15,344.53 | S/ 20,535.44 | S/ 705,069.44 |
| 2.75% | S/ 4,658.27 | S/ 9,348.24 | S/ 14,070.13 | S/ 18,824.15 | S/ 703,358.15 |
| 2.50% | S/ 4,238.68 | S/ 8,503.61 | S/ 12,794.95 | S/ 17,112.86 | S/ 701,646.86 |
| 2.00% | S/ 3,397.20 | S/ 6,811.26 | S/ 10,242.26 | S/ 13,690.29 | S/ 698,224.29 |
| 1.35% | S/ 2,298.63 | S/ 4,604.98 | S/ 6,919.08 | S/ 9,240.95 | S/ 693,774.95 |
| 1.00% | S/ 1,704.91 | S/ 3,414.06 | S/ 5,127.47 | S/ 6,845.15 | S/ 691,379.15 |
| 0.10% | S/ 171.06 | S/ 342.17 | S/ 513.32 | S/ 684.51 | S/ 685,218.51 |
Sobre los datos
-
Para S/ 684,534 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 684,534 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.
