Cálculo de intereses
Ahorrando S/ 800,890
Veamos que pasaría si Usted ahorrara 800,890 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/ 800,890.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 9,149.39 | S/ 18,403.31 | S/ 27,762.94 | S/ 37,229.50 | S/ 838,119.50 |
| 8.50% | S/ 16,501.39 | S/ 33,342.77 | S/ 50,531.14 | S/ 68,073.67 | S/ 868,963.67 |
| 8.00% | S/ 15,558.09 | S/ 31,418.41 | S/ 47,586.83 | S/ 64,069.34 | S/ 864,959.34 |
| 7.10% | S/ 13,851.86 | S/ 27,943.30 | S/ 42,278.45 | S/ 56,861.54 | S/ 857,751.54 |
| 7.00% | S/ 13,661.62 | S/ 27,556.27 | S/ 41,687.95 | S/ 56,060.68 | S/ 856,950.68 |
| 6.50% | S/ 12,708.39 | S/ 25,618.44 | S/ 38,733.34 | S/ 52,056.35 | S/ 852,946.35 |
| 6.10% | S/ 11,943.39 | S/ 24,064.89 | S/ 36,367.16 | S/ 48,852.88 | S/ 849,742.88 |
| 6.20% | S/ 12,134.85 | S/ 24,453.55 | S/ 36,958.91 | S/ 49,653.75 | S/ 850,543.75 |
| 5.90% | S/ 11,560.08 | S/ 23,287.02 | S/ 35,183.23 | S/ 47,251.15 | S/ 848,141.15 |
| 5.75% | S/ 11,272.24 | S/ 22,703.14 | S/ 34,294.92 | S/ 46,049.85 | S/ 846,939.85 |
| 5.70% | S/ 11,176.23 | S/ 22,508.42 | S/ 33,998.74 | S/ 45,649.42 | S/ 846,539.42 |
| 5.65% | S/ 11,080.18 | S/ 22,313.65 | S/ 33,702.53 | S/ 45,248.98 | S/ 846,138.98 |
| 5.60% | S/ 10,984.10 | S/ 22,118.84 | S/ 33,406.29 | S/ 44,848.55 | S/ 845,738.55 |
| 5.50% | S/ 10,791.83 | S/ 21,729.07 | S/ 32,813.70 | S/ 44,047.68 | S/ 844,937.68 |
| 5.30% | S/ 10,406.88 | S/ 20,948.99 | S/ 31,628.09 | S/ 42,445.95 | S/ 843,335.95 |
| 5.25% | S/ 10,310.56 | S/ 20,753.86 | S/ 31,331.60 | S/ 42,045.52 | S/ 842,935.52 |
| 5.05% | S/ 9,924.93 | S/ 19,972.85 | S/ 30,145.29 | S/ 40,443.78 | S/ 841,333.78 |
| 5.00% | S/ 9,828.43 | S/ 19,777.48 | S/ 29,848.62 | S/ 40,043.35 | S/ 840,933.35 |
| 4.95% | S/ 9,731.90 | S/ 19,582.06 | S/ 29,551.92 | S/ 39,642.92 | S/ 840,532.92 |
| 4.75% | S/ 9,345.44 | S/ 18,799.94 | S/ 28,364.76 | S/ 38,041.18 | S/ 838,931.18 |
| 4.55% | S/ 8,958.43 | S/ 18,017.07 | S/ 27,177.03 | S/ 36,439.45 | S/ 837,329.45 |
| 4.50% | S/ 8,861.59 | S/ 17,821.23 | S/ 26,880.01 | S/ 36,039.02 | S/ 836,929.02 |
| 4.40% | S/ 8,667.81 | S/ 17,429.42 | S/ 26,285.86 | S/ 35,238.15 | S/ 836,128.15 |
| 4.30% | S/ 8,473.88 | S/ 17,037.42 | S/ 25,691.57 | S/ 34,437.29 | S/ 835,327.29 |
| 4.25% | S/ 8,376.87 | S/ 16,841.35 | S/ 25,394.37 | S/ 34,036.85 | S/ 834,926.85 |
| 4.20% | S/ 8,279.82 | S/ 16,645.24 | S/ 25,097.14 | S/ 33,636.42 | S/ 834,526.42 |
| 4.15% | S/ 8,182.73 | S/ 16,449.07 | S/ 24,799.87 | S/ 33,235.99 | S/ 834,125.99 |
| 4.00% | S/ 7,891.27 | S/ 15,860.30 | S/ 23,907.85 | S/ 32,034.69 | S/ 832,924.69 |
| 3.90% | S/ 7,696.79 | S/ 15,467.55 | S/ 23,312.98 | S/ 31,233.82 | S/ 832,123.82 |
| 3.75% | S/ 7,404.80 | S/ 14,878.06 | S/ 22,420.42 | S/ 30,032.52 | S/ 830,922.52 |
| 3.50% | S/ 6,917.45 | S/ 13,894.65 | S/ 20,932.11 | S/ 28,030.35 | S/ 828,920.35 |
| 3.00% | S/ 5,940.09 | S/ 11,924.24 | S/ 17,952.77 | S/ 24,026.02 | S/ 824,916.02 |
| 2.75% | S/ 5,450.08 | S/ 10,937.24 | S/ 16,461.75 | S/ 22,023.85 | S/ 822,913.85 |
| 2.50% | S/ 4,959.17 | S/ 9,949.05 | S/ 14,969.82 | S/ 20,021.68 | S/ 820,911.68 |
| 2.00% | S/ 3,974.65 | S/ 7,969.03 | S/ 11,983.23 | S/ 16,017.35 | S/ 816,907.35 |
| 1.35% | S/ 2,689.35 | S/ 5,387.73 | S/ 8,095.18 | S/ 10,811.71 | S/ 811,701.71 |
| 1.00% | S/ 1,994.70 | S/ 3,994.38 | S/ 5,999.03 | S/ 8,008.67 | S/ 808,898.67 |
| 0.10% | S/ 200.14 | S/ 400.33 | S/ 600.58 | S/ 800.87 | S/ 801,690.87 |
Sobre los datos
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Para S/ 800,890 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/ 800,890 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.