Cálculo de intereses
Ahorrando S/ 863,744
Veamos que pasaría si Usted ahorrara 863,744 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/ 863,744.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 9,867.44 | S/ 19,847.60 | S/ 29,941.78 | S/ 40,151.27 | S/ 903,895.27 |
| 8.50% | S/ 17,796.42 | S/ 35,959.51 | S/ 54,496.84 | S/ 73,416.10 | S/ 937,160.10 |
| 8.00% | S/ 16,779.09 | S/ 33,884.13 | S/ 51,321.45 | S/ 69,097.51 | S/ 932,841.51 |
| 7.10% | S/ 14,938.96 | S/ 30,136.29 | S/ 45,596.47 | S/ 61,324.05 | S/ 925,068.05 |
| 7.00% | S/ 14,733.78 | S/ 29,718.89 | S/ 44,959.62 | S/ 60,460.33 | S/ 924,204.33 |
| 6.50% | S/ 13,705.75 | S/ 27,628.98 | S/ 41,773.14 | S/ 56,141.74 | S/ 919,885.74 |
| 6.10% | S/ 12,880.71 | S/ 25,953.51 | S/ 39,221.26 | S/ 52,686.86 | S/ 916,430.86 |
| 6.20% | S/ 13,087.19 | S/ 26,372.67 | S/ 39,859.45 | S/ 53,550.58 | S/ 917,294.58 |
| 5.90% | S/ 12,467.32 | S/ 25,114.59 | S/ 37,944.42 | S/ 50,959.43 | S/ 914,703.43 |
| 5.75% | S/ 12,156.89 | S/ 24,484.88 | S/ 36,986.39 | S/ 49,663.85 | S/ 913,407.85 |
| 5.70% | S/ 12,053.34 | S/ 24,274.88 | S/ 36,666.97 | S/ 49,231.99 | S/ 912,975.99 |
| 5.65% | S/ 11,949.75 | S/ 24,064.83 | S/ 36,347.52 | S/ 48,800.13 | S/ 912,544.13 |
| 5.60% | S/ 11,846.13 | S/ 23,854.73 | S/ 36,028.02 | S/ 48,368.27 | S/ 912,112.27 |
| 5.50% | S/ 11,638.77 | S/ 23,434.38 | S/ 35,388.92 | S/ 47,504.55 | S/ 911,248.55 |
| 5.30% | S/ 11,223.62 | S/ 22,593.07 | S/ 34,110.27 | S/ 45,777.12 | S/ 909,521.12 |
| 5.25% | S/ 11,119.73 | S/ 22,382.62 | S/ 33,790.51 | S/ 45,345.26 | S/ 909,089.26 |
| 5.05% | S/ 10,703.84 | S/ 21,540.32 | S/ 32,511.09 | S/ 43,617.82 | S/ 907,361.82 |
| 5.00% | S/ 10,599.77 | S/ 21,329.62 | S/ 32,191.14 | S/ 43,185.96 | S/ 906,929.96 |
| 4.95% | S/ 10,495.67 | S/ 21,118.87 | S/ 31,871.16 | S/ 42,754.10 | S/ 906,498.10 |
| 4.75% | S/ 10,078.88 | S/ 20,275.36 | S/ 30,590.83 | S/ 41,026.66 | S/ 904,770.66 |
| 4.55% | S/ 9,661.49 | S/ 19,431.05 | S/ 29,309.89 | S/ 39,299.23 | S/ 903,043.23 |
| 4.50% | S/ 9,557.05 | S/ 19,219.85 | S/ 28,989.56 | S/ 38,867.37 | S/ 902,611.37 |
| 4.40% | S/ 9,348.06 | S/ 18,797.29 | S/ 28,348.78 | S/ 38,003.65 | S/ 901,747.65 |
| 4.30% | S/ 9,138.91 | S/ 18,374.52 | S/ 27,707.85 | S/ 37,139.93 | S/ 900,883.93 |
| 4.25% | S/ 9,034.29 | S/ 18,163.07 | S/ 27,387.33 | S/ 36,708.07 | S/ 900,452.07 |
| 4.20% | S/ 8,929.62 | S/ 17,951.56 | S/ 27,066.77 | S/ 36,276.21 | S/ 900,020.21 |
| 4.15% | S/ 8,824.92 | S/ 17,740.00 | S/ 26,746.17 | S/ 35,844.35 | S/ 899,588.35 |
| 4.00% | S/ 8,510.58 | S/ 17,105.02 | S/ 25,784.14 | S/ 34,548.77 | S/ 898,292.77 |
| 3.90% | S/ 8,300.83 | S/ 16,681.44 | S/ 25,142.59 | S/ 33,685.05 | S/ 897,429.05 |
| 3.75% | S/ 7,985.93 | S/ 16,045.70 | S/ 24,179.98 | S/ 32,389.48 | S/ 896,133.48 |
| 3.50% | S/ 7,460.33 | S/ 14,985.10 | S/ 22,574.86 | S/ 30,230.18 | S/ 893,974.18 |
| 3.00% | S/ 6,406.27 | S/ 12,860.06 | S/ 19,361.71 | S/ 25,911.58 | S/ 889,655.58 |
| 2.75% | S/ 5,877.80 | S/ 11,795.60 | S/ 17,753.67 | S/ 23,752.29 | S/ 887,496.29 |
| 2.50% | S/ 5,348.37 | S/ 10,729.85 | S/ 16,144.65 | S/ 21,592.99 | S/ 885,336.99 |
| 2.00% | S/ 4,286.58 | S/ 8,594.44 | S/ 12,923.67 | S/ 17,274.39 | S/ 881,018.39 |
| 1.35% | S/ 2,900.41 | S/ 5,810.56 | S/ 8,730.49 | S/ 11,660.22 | S/ 875,404.22 |
| 1.00% | S/ 2,151.25 | S/ 4,307.86 | S/ 6,469.83 | S/ 8,637.20 | S/ 872,381.20 |
| 0.10% | S/ 215.85 | S/ 431.75 | S/ 647.71 | S/ 863.72 | S/ 864,607.72 |
Sobre los datos
-
Para S/ 863,744 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 863,744 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.