Cálculo de intereses
Ahorrando S/ 816,230
Veamos que pasaría si Usted ahorrara 816,230 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/ 816,230.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 9,324.64 | S/ 18,755.80 | S/ 28,294.70 | S/ 37,942.58 | S/ 854,172.58 |
| 8.50% | S/ 16,817.45 | S/ 33,981.40 | S/ 51,499.00 | S/ 69,377.53 | S/ 885,607.53 |
| 8.00% | S/ 15,856.08 | S/ 32,020.18 | S/ 48,498.29 | S/ 65,296.50 | S/ 881,526.50 |
| 7.10% | S/ 14,117.17 | S/ 28,478.51 | S/ 43,088.24 | S/ 57,950.65 | S/ 874,180.65 |
| 7.00% | S/ 13,923.29 | S/ 28,084.08 | S/ 42,486.42 | S/ 57,134.45 | S/ 873,364.45 |
| 6.50% | S/ 12,951.80 | S/ 26,109.13 | S/ 39,475.23 | S/ 53,053.42 | S/ 869,283.42 |
| 6.10% | S/ 12,172.15 | S/ 24,525.82 | S/ 37,063.72 | S/ 49,788.59 | S/ 866,018.59 |
| 6.20% | S/ 12,367.27 | S/ 24,921.93 | S/ 37,666.81 | S/ 50,604.80 | S/ 866,834.80 |
| 5.90% | S/ 11,781.50 | S/ 23,733.06 | S/ 35,857.12 | S/ 48,156.18 | S/ 864,386.18 |
| 5.75% | S/ 11,488.15 | S/ 23,137.99 | S/ 34,951.79 | S/ 46,931.87 | S/ 863,161.87 |
| 5.70% | S/ 11,390.29 | S/ 22,939.54 | S/ 34,649.95 | S/ 46,523.77 | S/ 862,753.77 |
| 5.65% | S/ 11,292.41 | S/ 22,741.04 | S/ 34,348.06 | S/ 46,115.67 | S/ 862,345.67 |
| 5.60% | S/ 11,194.48 | S/ 22,542.50 | S/ 34,046.14 | S/ 45,707.56 | S/ 861,937.56 |
| 5.50% | S/ 10,998.53 | S/ 22,145.27 | S/ 33,442.20 | S/ 44,891.36 | S/ 861,121.36 |
| 5.30% | S/ 10,606.21 | S/ 21,350.24 | S/ 32,233.88 | S/ 43,258.95 | S/ 859,488.95 |
| 5.25% | S/ 10,508.04 | S/ 21,151.37 | S/ 31,931.71 | S/ 42,850.84 | S/ 859,080.84 |
| 5.05% | S/ 10,115.03 | S/ 20,355.40 | S/ 30,722.68 | S/ 41,218.43 | S/ 857,448.43 |
| 5.00% | S/ 10,016.68 | S/ 20,156.29 | S/ 30,420.33 | S/ 40,810.33 | S/ 857,040.33 |
| 4.95% | S/ 9,918.31 | S/ 19,957.13 | S/ 30,117.95 | S/ 40,402.23 | S/ 856,632.23 |
| 4.75% | S/ 9,524.44 | S/ 19,160.03 | S/ 28,908.05 | S/ 38,769.81 | S/ 854,999.81 |
| 4.55% | S/ 9,130.02 | S/ 18,362.16 | S/ 27,697.57 | S/ 37,137.40 | S/ 853,367.40 |
| 4.50% | S/ 9,031.32 | S/ 18,162.57 | S/ 27,394.86 | S/ 36,729.30 | S/ 852,959.30 |
| 4.40% | S/ 8,833.83 | S/ 17,763.26 | S/ 26,789.33 | S/ 35,913.09 | S/ 852,143.09 |
| 4.30% | S/ 8,636.19 | S/ 17,363.75 | S/ 26,183.66 | S/ 35,096.89 | S/ 851,326.89 |
| 4.25% | S/ 8,537.32 | S/ 17,163.93 | S/ 25,880.77 | S/ 34,688.78 | S/ 850,918.78 |
| 4.20% | S/ 8,438.41 | S/ 16,964.05 | S/ 25,577.84 | S/ 34,280.68 | S/ 850,510.68 |
| 4.15% | S/ 8,339.46 | S/ 16,764.13 | S/ 25,274.88 | S/ 33,872.58 | S/ 850,102.58 |
| 4.00% | S/ 8,042.42 | S/ 16,164.08 | S/ 24,365.77 | S/ 32,648.27 | S/ 848,878.27 |
| 3.90% | S/ 7,844.21 | S/ 15,763.81 | S/ 23,759.51 | S/ 31,832.06 | S/ 848,062.06 |
| 3.75% | S/ 7,546.63 | S/ 15,163.03 | S/ 22,849.86 | S/ 30,607.75 | S/ 846,837.75 |
| 3.50% | S/ 7,049.94 | S/ 14,160.78 | S/ 21,333.03 | S/ 28,567.24 | S/ 844,797.24 |
| 3.00% | S/ 6,053.87 | S/ 12,152.63 | S/ 18,296.63 | S/ 24,486.20 | S/ 840,716.20 |
| 2.75% | S/ 5,554.47 | S/ 11,146.73 | S/ 16,777.05 | S/ 22,445.69 | S/ 838,675.69 |
| 2.50% | S/ 5,054.16 | S/ 10,139.61 | S/ 15,256.55 | S/ 20,405.17 | S/ 836,635.17 |
| 2.00% | S/ 4,050.78 | S/ 8,121.66 | S/ 12,212.75 | S/ 16,324.14 | S/ 832,554.14 |
| 1.35% | S/ 2,740.86 | S/ 5,490.93 | S/ 8,250.23 | S/ 11,018.79 | S/ 827,248.79 |
| 1.00% | S/ 2,032.91 | S/ 4,070.88 | S/ 6,113.93 | S/ 8,162.07 | S/ 824,392.07 |
| 0.10% | S/ 203.98 | S/ 408.00 | S/ 612.08 | S/ 816.21 | S/ 817,046.21 |
Sobre los datos
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Para S/ 816,230 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/ 816,230 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.