Cálculo de intereses
Ahorrando S/ 796,797
Veamos que pasaría si Usted ahorrara 796,797 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/ 796,797.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 9,102.63 | S/ 18,309.26 | S/ 27,621.05 | S/ 37,039.23 | S/ 833,836.23 |
| 8.50% | S/ 16,417.06 | S/ 33,172.37 | S/ 50,272.90 | S/ 67,725.77 | S/ 864,522.77 |
| 8.00% | S/ 15,478.58 | S/ 31,257.84 | S/ 47,343.63 | S/ 63,741.91 | S/ 860,538.91 |
| 7.10% | S/ 13,781.07 | S/ 27,800.49 | S/ 42,062.39 | S/ 56,570.95 | S/ 853,367.95 |
| 7.00% | S/ 13,591.80 | S/ 27,415.44 | S/ 41,474.90 | S/ 55,774.17 | S/ 852,571.17 |
| 6.50% | S/ 12,643.44 | S/ 25,487.51 | S/ 38,535.39 | S/ 51,790.31 | S/ 848,587.31 |
| 6.10% | S/ 11,882.36 | S/ 23,941.91 | S/ 36,181.30 | S/ 48,603.22 | S/ 845,400.22 |
| 6.20% | S/ 12,072.83 | S/ 24,328.58 | S/ 36,770.03 | S/ 49,399.99 | S/ 846,196.99 |
| 5.90% | S/ 11,501.00 | S/ 23,168.01 | S/ 35,003.42 | S/ 47,009.67 | S/ 843,806.67 |
| 5.75% | S/ 11,214.63 | S/ 22,587.11 | S/ 34,119.65 | S/ 45,814.51 | S/ 842,611.51 |
| 5.70% | S/ 11,119.11 | S/ 22,393.39 | S/ 33,824.99 | S/ 45,416.12 | S/ 842,213.12 |
| 5.65% | S/ 11,023.55 | S/ 22,199.62 | S/ 33,530.30 | S/ 45,017.74 | S/ 841,814.74 |
| 5.60% | S/ 10,927.96 | S/ 22,005.80 | S/ 33,235.57 | S/ 44,619.35 | S/ 841,416.35 |
| 5.50% | S/ 10,736.68 | S/ 21,618.03 | S/ 32,646.00 | S/ 43,822.57 | S/ 840,619.57 |
| 5.30% | S/ 10,353.70 | S/ 20,841.93 | S/ 31,466.45 | S/ 42,229.03 | S/ 839,026.03 |
| 5.25% | S/ 10,257.87 | S/ 20,647.79 | S/ 31,171.48 | S/ 41,830.64 | S/ 838,627.64 |
| 5.05% | S/ 9,874.21 | S/ 19,870.78 | S/ 29,991.23 | S/ 40,237.09 | S/ 837,034.09 |
| 5.00% | S/ 9,778.20 | S/ 19,676.41 | S/ 29,696.08 | S/ 39,838.71 | S/ 836,635.71 |
| 4.95% | S/ 9,682.17 | S/ 19,481.99 | S/ 29,400.89 | S/ 39,440.32 | S/ 836,237.32 |
| 4.75% | S/ 9,297.68 | S/ 18,703.86 | S/ 28,219.80 | S/ 37,846.77 | S/ 834,643.77 |
| 4.55% | S/ 8,912.65 | S/ 17,924.99 | S/ 27,038.14 | S/ 36,253.23 | S/ 833,050.23 |
| 4.50% | S/ 8,816.30 | S/ 17,730.16 | S/ 26,742.64 | S/ 35,854.84 | S/ 832,651.84 |
| 4.40% | S/ 8,623.51 | S/ 17,340.35 | S/ 26,151.53 | S/ 35,058.07 | S/ 831,855.07 |
| 4.30% | S/ 8,430.58 | S/ 16,950.35 | S/ 25,560.27 | S/ 34,261.29 | S/ 831,058.29 |
| 4.25% | S/ 8,334.06 | S/ 16,755.28 | S/ 25,264.59 | S/ 33,862.90 | S/ 830,659.90 |
| 4.20% | S/ 8,237.50 | S/ 16,560.17 | S/ 24,968.88 | S/ 33,464.52 | S/ 830,261.52 |
| 4.15% | S/ 8,140.92 | S/ 16,365.01 | S/ 24,673.13 | S/ 33,066.13 | S/ 829,863.13 |
| 4.00% | S/ 7,850.94 | S/ 15,779.24 | S/ 23,785.66 | S/ 31,870.97 | S/ 828,667.97 |
| 3.90% | S/ 7,657.45 | S/ 15,388.50 | S/ 23,193.84 | S/ 31,074.20 | S/ 827,871.20 |
| 3.75% | S/ 7,366.96 | S/ 14,802.03 | S/ 22,305.84 | S/ 29,879.04 | S/ 826,676.04 |
| 3.50% | S/ 6,882.10 | S/ 13,823.64 | S/ 20,825.13 | S/ 27,887.10 | S/ 824,684.10 |
| 3.00% | S/ 5,909.73 | S/ 11,863.30 | S/ 17,861.02 | S/ 23,903.23 | S/ 820,700.23 |
| 2.75% | S/ 5,422.22 | S/ 10,881.35 | S/ 16,377.62 | S/ 21,911.30 | S/ 818,708.30 |
| 2.50% | S/ 4,933.82 | S/ 9,898.20 | S/ 14,893.32 | S/ 19,919.36 | S/ 816,716.36 |
| 2.00% | S/ 3,954.34 | S/ 7,928.30 | S/ 11,921.99 | S/ 15,935.49 | S/ 812,732.49 |
| 1.35% | S/ 2,675.61 | S/ 5,360.20 | S/ 8,053.80 | S/ 10,756.46 | S/ 807,553.46 |
| 1.00% | S/ 1,984.51 | S/ 3,973.96 | S/ 5,968.37 | S/ 7,967.75 | S/ 804,764.75 |
| 0.10% | S/ 199.12 | S/ 398.29 | S/ 597.51 | S/ 796.77 | S/ 797,593.77 |
Sobre los datos
-
Para S/ 796,797 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 796,797 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.