Cálculo de intereses
Ahorrando S/ 789,238
Veamos que pasaría si Usted ahorrara 789,238 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/ 789,238.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 9,016.28 | S/ 18,135.56 | S/ 27,359.02 | S/ 36,687.85 | S/ 825,925.85 |
| 8.50% | S/ 16,261.31 | S/ 32,857.67 | S/ 49,795.97 | S/ 67,083.27 | S/ 856,321.27 |
| 8.00% | S/ 15,331.74 | S/ 30,961.31 | S/ 46,894.50 | S/ 63,137.20 | S/ 852,375.20 |
| 7.10% | S/ 13,650.33 | S/ 27,536.75 | S/ 41,663.35 | S/ 56,034.27 | S/ 845,272.27 |
| 7.00% | S/ 13,462.86 | S/ 27,155.36 | S/ 41,081.44 | S/ 55,245.06 | S/ 844,483.06 |
| 6.50% | S/ 12,523.50 | S/ 25,245.72 | S/ 38,169.82 | S/ 51,298.99 | S/ 840,536.99 |
| 6.10% | S/ 11,769.63 | S/ 23,714.78 | S/ 35,838.06 | S/ 48,142.13 | S/ 837,380.13 |
| 6.20% | S/ 11,958.30 | S/ 24,097.78 | S/ 36,421.20 | S/ 48,931.34 | S/ 838,169.34 |
| 5.90% | S/ 11,391.90 | S/ 22,948.22 | S/ 34,671.36 | S/ 46,563.70 | S/ 835,801.70 |
| 5.75% | S/ 11,108.24 | S/ 22,372.83 | S/ 33,795.97 | S/ 45,379.88 | S/ 834,617.88 |
| 5.70% | S/ 11,013.63 | S/ 22,180.95 | S/ 33,504.10 | S/ 44,985.27 | S/ 834,223.27 |
| 5.65% | S/ 10,918.98 | S/ 21,989.01 | S/ 33,212.20 | S/ 44,590.66 | S/ 833,828.66 |
| 5.60% | S/ 10,824.29 | S/ 21,797.03 | S/ 32,920.27 | S/ 44,196.06 | S/ 833,434.06 |
| 5.50% | S/ 10,634.82 | S/ 21,412.94 | S/ 32,336.30 | S/ 43,406.84 | S/ 832,644.84 |
| 5.30% | S/ 10,255.47 | S/ 20,644.21 | S/ 31,167.94 | S/ 41,828.41 | S/ 831,066.41 |
| 5.25% | S/ 10,160.55 | S/ 20,451.91 | S/ 30,875.76 | S/ 41,433.80 | S/ 830,671.80 |
| 5.05% | S/ 9,780.53 | S/ 19,682.27 | S/ 29,706.71 | S/ 39,855.38 | S/ 829,093.38 |
| 5.00% | S/ 9,685.44 | S/ 19,489.74 | S/ 29,414.36 | S/ 39,460.77 | S/ 828,698.77 |
| 4.95% | S/ 9,590.32 | S/ 19,297.17 | S/ 29,121.97 | S/ 39,066.16 | S/ 828,304.16 |
| 4.75% | S/ 9,209.48 | S/ 18,526.42 | S/ 27,952.08 | S/ 37,487.73 | S/ 826,725.73 |
| 4.55% | S/ 8,828.10 | S/ 17,754.94 | S/ 26,781.64 | S/ 35,909.30 | S/ 825,147.30 |
| 4.50% | S/ 8,732.67 | S/ 17,561.95 | S/ 26,488.94 | S/ 35,514.69 | S/ 824,752.69 |
| 4.40% | S/ 8,541.70 | S/ 17,175.84 | S/ 25,903.43 | S/ 34,725.48 | S/ 823,963.48 |
| 4.30% | S/ 8,350.60 | S/ 16,789.55 | S/ 25,317.79 | S/ 33,936.26 | S/ 823,174.26 |
| 4.25% | S/ 8,254.99 | S/ 16,596.33 | S/ 25,024.91 | S/ 33,541.66 | S/ 822,779.66 |
| 4.20% | S/ 8,159.36 | S/ 16,403.07 | S/ 24,732.01 | S/ 33,147.05 | S/ 822,385.05 |
| 4.15% | S/ 8,063.69 | S/ 16,209.76 | S/ 24,439.06 | S/ 32,752.44 | S/ 821,990.44 |
| 4.00% | S/ 7,776.46 | S/ 15,629.55 | S/ 23,560.01 | S/ 31,568.62 | S/ 820,806.62 |
| 3.90% | S/ 7,584.81 | S/ 15,242.51 | S/ 22,973.81 | S/ 30,779.40 | S/ 820,017.40 |
| 3.75% | S/ 7,297.07 | S/ 14,661.61 | S/ 22,094.23 | S/ 29,595.58 | S/ 818,833.58 |
| 3.50% | S/ 6,816.81 | S/ 13,692.50 | S/ 20,627.57 | S/ 27,622.54 | S/ 816,860.54 |
| 3.00% | S/ 5,853.67 | S/ 11,750.76 | S/ 17,691.58 | S/ 23,676.47 | S/ 812,914.47 |
| 2.75% | S/ 5,370.79 | S/ 10,778.12 | S/ 16,222.25 | S/ 21,703.43 | S/ 810,941.43 |
| 2.50% | S/ 4,887.02 | S/ 9,804.30 | S/ 14,752.03 | S/ 19,730.39 | S/ 808,968.39 |
| 2.00% | S/ 3,916.82 | S/ 7,853.09 | S/ 11,808.88 | S/ 15,784.31 | S/ 805,022.31 |
| 1.35% | S/ 2,650.22 | S/ 5,309.35 | S/ 7,977.40 | S/ 10,654.41 | S/ 799,892.41 |
| 1.00% | S/ 1,965.68 | S/ 3,936.26 | S/ 5,911.75 | S/ 7,892.16 | S/ 797,130.16 |
| 0.10% | S/ 197.23 | S/ 394.51 | S/ 591.84 | S/ 789.22 | S/ 790,027.22 |
Sobre los datos
-
Para S/ 789,238 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 789,238 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.