Cálculo de intereses
Ahorrando S/ 800,535
Veamos que pasaría si Usted ahorrara 800,535 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/ 800,535.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 9,145.34 | S/ 18,395.15 | S/ 27,750.63 | S/ 37,212.99 | S/ 837,747.99 |
| 8.50% | S/ 16,494.07 | S/ 33,327.99 | S/ 50,508.74 | S/ 68,043.49 | S/ 868,578.49 |
| 8.00% | S/ 15,551.19 | S/ 31,404.48 | S/ 47,565.73 | S/ 64,040.94 | S/ 864,575.94 |
| 7.10% | S/ 13,845.72 | S/ 27,930.91 | S/ 42,259.71 | S/ 56,836.34 | S/ 857,371.34 |
| 7.00% | S/ 13,655.56 | S/ 27,544.06 | S/ 41,669.47 | S/ 56,035.83 | S/ 856,570.83 |
| 6.50% | S/ 12,702.76 | S/ 25,607.08 | S/ 38,716.17 | S/ 52,033.27 | S/ 852,568.27 |
| 6.10% | S/ 11,938.10 | S/ 24,054.23 | S/ 36,351.04 | S/ 48,831.23 | S/ 849,366.23 |
| 6.20% | S/ 12,129.47 | S/ 24,442.71 | S/ 36,942.53 | S/ 49,631.74 | S/ 850,166.74 |
| 5.90% | S/ 11,554.96 | S/ 23,276.70 | S/ 35,167.64 | S/ 47,230.20 | S/ 847,765.20 |
| 5.75% | S/ 11,267.25 | S/ 22,693.07 | S/ 34,279.72 | S/ 46,029.44 | S/ 846,564.44 |
| 5.70% | S/ 11,171.27 | S/ 22,498.44 | S/ 33,983.67 | S/ 45,629.18 | S/ 846,164.18 |
| 5.65% | S/ 11,075.27 | S/ 22,303.76 | S/ 33,687.60 | S/ 45,228.93 | S/ 845,763.93 |
| 5.60% | S/ 10,979.23 | S/ 22,109.03 | S/ 33,391.48 | S/ 44,828.67 | S/ 845,363.67 |
| 5.50% | S/ 10,787.04 | S/ 21,719.44 | S/ 32,799.15 | S/ 44,028.16 | S/ 844,563.16 |
| 5.30% | S/ 10,402.27 | S/ 20,939.71 | S/ 31,614.07 | S/ 42,427.14 | S/ 842,962.14 |
| 5.25% | S/ 10,305.99 | S/ 20,744.66 | S/ 31,317.71 | S/ 42,026.88 | S/ 842,561.88 |
| 5.05% | S/ 9,920.53 | S/ 19,963.99 | S/ 30,131.92 | S/ 40,425.86 | S/ 840,960.86 |
| 5.00% | S/ 9,824.08 | S/ 19,768.71 | S/ 29,835.39 | S/ 40,025.60 | S/ 840,560.60 |
| 4.95% | S/ 9,727.59 | S/ 19,573.38 | S/ 29,538.82 | S/ 39,625.35 | S/ 840,160.35 |
| 4.75% | S/ 9,341.30 | S/ 18,791.61 | S/ 28,352.18 | S/ 38,024.32 | S/ 838,559.32 |
| 4.55% | S/ 8,954.46 | S/ 18,009.08 | S/ 27,164.98 | S/ 36,423.30 | S/ 836,958.30 |
| 4.50% | S/ 8,857.66 | S/ 17,813.33 | S/ 26,868.09 | S/ 36,023.04 | S/ 836,558.04 |
| 4.40% | S/ 8,663.96 | S/ 17,421.70 | S/ 26,274.21 | S/ 35,222.53 | S/ 835,757.53 |
| 4.30% | S/ 8,470.13 | S/ 17,029.87 | S/ 25,680.18 | S/ 34,422.02 | S/ 834,957.02 |
| 4.25% | S/ 8,373.15 | S/ 16,833.89 | S/ 25,383.12 | S/ 34,021.76 | S/ 834,556.76 |
| 4.20% | S/ 8,276.15 | S/ 16,637.86 | S/ 25,086.01 | S/ 33,621.51 | S/ 834,156.51 |
| 4.15% | S/ 8,179.11 | S/ 16,441.78 | S/ 24,788.88 | S/ 33,221.25 | S/ 833,756.25 |
| 4.00% | S/ 7,887.77 | S/ 15,853.27 | S/ 23,897.25 | S/ 32,020.49 | S/ 832,555.49 |
| 3.90% | S/ 7,693.38 | S/ 15,460.69 | S/ 23,302.65 | S/ 31,219.97 | S/ 831,754.97 |
| 3.75% | S/ 7,401.52 | S/ 14,871.47 | S/ 22,410.49 | S/ 30,019.21 | S/ 830,554.21 |
| 3.50% | S/ 6,914.38 | S/ 13,888.49 | S/ 20,922.83 | S/ 28,017.93 | S/ 828,552.93 |
| 3.00% | S/ 5,937.46 | S/ 11,918.95 | S/ 17,944.81 | S/ 24,015.37 | S/ 824,550.37 |
| 2.75% | S/ 5,447.66 | S/ 10,932.40 | S/ 16,454.45 | S/ 22,014.09 | S/ 822,549.09 |
| 2.50% | S/ 4,956.97 | S/ 9,944.64 | S/ 14,963.18 | S/ 20,012.81 | S/ 820,547.81 |
| 2.00% | S/ 3,972.89 | S/ 7,965.49 | S/ 11,977.91 | S/ 16,010.25 | S/ 816,545.25 |
| 1.35% | S/ 2,688.16 | S/ 5,385.34 | S/ 8,091.59 | S/ 10,806.92 | S/ 811,341.92 |
| 1.00% | S/ 1,993.82 | S/ 3,992.61 | S/ 5,996.37 | S/ 8,005.12 | S/ 808,540.12 |
| 0.10% | S/ 200.05 | S/ 400.16 | S/ 600.31 | S/ 800.51 | S/ 801,335.51 |
Sobre los datos
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Para S/ 800,535 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/ 800,535 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.