Cálculo de intereses
Ahorrando S/ 749,825
Veamos que pasaría si Usted ahorrara 749,825 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/ 749,825.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 8,566.02 | S/ 17,229.91 | S/ 25,992.77 | S/ 34,855.73 | S/ 784,680.73 |
| 8.50% | S/ 15,449.25 | S/ 31,216.82 | S/ 47,309.26 | S/ 63,733.27 | S/ 813,558.27 |
| 8.00% | S/ 14,566.10 | S/ 29,415.16 | S/ 44,552.68 | S/ 59,984.25 | S/ 809,809.25 |
| 7.10% | S/ 12,968.66 | S/ 26,161.62 | S/ 39,582.76 | S/ 53,236.03 | S/ 803,061.03 |
| 7.00% | S/ 12,790.55 | S/ 25,799.28 | S/ 39,029.91 | S/ 52,486.23 | S/ 802,311.23 |
| 6.50% | S/ 11,898.10 | S/ 23,985.00 | S/ 36,263.69 | S/ 48,737.22 | S/ 798,562.22 |
| 6.10% | S/ 11,181.88 | S/ 22,530.51 | S/ 34,048.38 | S/ 45,738.01 | S/ 795,563.01 |
| 6.20% | S/ 11,361.12 | S/ 22,894.39 | S/ 34,602.40 | S/ 46,487.81 | S/ 796,312.81 |
| 5.90% | S/ 10,823.01 | S/ 21,802.23 | S/ 32,939.94 | S/ 44,238.40 | S/ 794,063.40 |
| 5.75% | S/ 10,553.52 | S/ 21,255.58 | S/ 32,108.26 | S/ 43,113.70 | S/ 792,938.70 |
| 5.70% | S/ 10,463.63 | S/ 21,073.27 | S/ 31,830.97 | S/ 42,738.79 | S/ 792,563.79 |
| 5.65% | S/ 10,373.70 | S/ 20,890.92 | S/ 31,553.65 | S/ 42,363.89 | S/ 792,188.89 |
| 5.60% | S/ 10,283.75 | S/ 20,708.53 | S/ 31,276.30 | S/ 41,988.99 | S/ 791,813.99 |
| 5.50% | S/ 10,103.74 | S/ 20,343.62 | S/ 30,721.49 | S/ 41,239.19 | S/ 791,064.19 |
| 5.30% | S/ 9,743.34 | S/ 19,613.28 | S/ 29,611.47 | S/ 39,739.58 | S/ 789,564.58 |
| 5.25% | S/ 9,653.16 | S/ 19,430.58 | S/ 29,333.89 | S/ 39,364.68 | S/ 789,189.68 |
| 5.05% | S/ 9,292.11 | S/ 18,699.37 | S/ 28,223.21 | S/ 37,865.08 | S/ 787,690.08 |
| 5.00% | S/ 9,201.77 | S/ 18,516.46 | S/ 27,945.46 | S/ 37,490.17 | S/ 787,315.17 |
| 4.95% | S/ 9,111.40 | S/ 18,333.51 | S/ 27,667.68 | S/ 37,115.27 | S/ 786,940.27 |
| 4.75% | S/ 8,749.58 | S/ 17,601.25 | S/ 26,556.21 | S/ 35,615.67 | S/ 785,440.67 |
| 4.55% | S/ 8,387.24 | S/ 16,868.29 | S/ 25,444.21 | S/ 34,116.06 | S/ 783,941.06 |
| 4.50% | S/ 8,296.57 | S/ 16,684.94 | S/ 25,166.13 | S/ 33,741.16 | S/ 783,566.16 |
| 4.40% | S/ 8,115.14 | S/ 16,318.12 | S/ 24,609.87 | S/ 32,991.36 | S/ 782,816.36 |
| 4.30% | S/ 7,933.58 | S/ 15,951.11 | S/ 24,053.47 | S/ 32,241.55 | S/ 782,066.55 |
| 4.25% | S/ 7,842.76 | S/ 15,767.54 | S/ 23,775.22 | S/ 31,866.65 | S/ 781,691.65 |
| 4.20% | S/ 7,751.90 | S/ 15,583.93 | S/ 23,496.94 | S/ 31,491.75 | S/ 781,316.75 |
| 4.15% | S/ 7,661.00 | S/ 15,400.27 | S/ 23,218.62 | S/ 31,116.85 | S/ 780,941.85 |
| 4.00% | S/ 7,388.12 | S/ 14,849.04 | S/ 22,383.47 | S/ 29,992.14 | S/ 779,817.14 |
| 3.90% | S/ 7,206.04 | S/ 14,481.33 | S/ 21,826.54 | S/ 29,242.34 | S/ 779,067.34 |
| 3.75% | S/ 6,932.67 | S/ 13,929.43 | S/ 20,990.89 | S/ 28,117.64 | S/ 777,942.64 |
| 3.50% | S/ 6,476.39 | S/ 13,008.72 | S/ 19,597.47 | S/ 26,243.13 | S/ 776,068.13 |
| 3.00% | S/ 5,561.35 | S/ 11,163.95 | S/ 16,808.10 | S/ 22,494.11 | S/ 772,319.11 |
| 2.75% | S/ 5,102.58 | S/ 10,239.88 | S/ 15,412.14 | S/ 20,619.60 | S/ 770,444.60 |
| 2.50% | S/ 4,642.97 | S/ 9,314.69 | S/ 14,015.34 | S/ 18,745.09 | S/ 768,570.09 |
| 2.00% | S/ 3,721.23 | S/ 7,460.92 | S/ 11,219.17 | S/ 14,996.08 | S/ 764,821.08 |
| 1.35% | S/ 2,517.88 | S/ 5,044.21 | S/ 7,579.02 | S/ 10,122.35 | S/ 759,947.35 |
| 1.00% | S/ 1,867.52 | S/ 3,739.69 | S/ 5,616.53 | S/ 7,498.04 | S/ 757,323.04 |
| 0.10% | S/ 187.38 | S/ 374.81 | S/ 562.28 | S/ 749.80 | S/ 750,574.80 |
Sobre los datos
-
Para S/ 749,825 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 749,825 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.