Cálculo de intereses
Ahorrando S/ 891,455
Veamos que pasaría si Usted ahorrara 891,455 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2023) 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/ 891,455.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 10,184.01 | S/ 20,484.36 | S/ 30,902.38 | S/ 41,439.42 | S/ 932,894.42 |
| 8.50% | S/ 18,367.37 | S/ 37,113.18 | S/ 56,245.23 | S/ 75,771.47 | S/ 967,226.47 |
| 8.00% | S/ 17,317.40 | S/ 34,971.21 | S/ 52,967.97 | S/ 71,314.33 | S/ 962,769.33 |
| 7.10% | S/ 15,418.23 | S/ 31,103.14 | S/ 47,059.32 | S/ 63,291.47 | S/ 954,746.47 |
| 7.00% | S/ 15,206.48 | S/ 30,672.35 | S/ 46,402.04 | S/ 62,400.04 | S/ 953,855.04 |
| 6.50% | S/ 14,145.46 | S/ 28,515.38 | S/ 43,113.32 | S/ 57,942.90 | S/ 949,397.90 |
| 6.10% | S/ 13,293.96 | S/ 26,786.16 | S/ 40,479.57 | S/ 54,377.19 | S/ 945,832.19 |
| 6.20% | S/ 13,507.06 | S/ 27,218.77 | S/ 41,138.24 | S/ 55,268.62 | S/ 946,723.62 |
| 5.90% | S/ 12,867.30 | S/ 25,920.33 | S/ 39,161.77 | S/ 52,594.33 | S/ 944,049.33 |
| 5.75% | S/ 12,546.91 | S/ 25,270.42 | S/ 38,173.00 | S/ 51,257.19 | S/ 942,712.19 |
| 5.70% | S/ 12,440.04 | S/ 25,053.68 | S/ 37,843.34 | S/ 50,811.47 | S/ 942,266.47 |
| 5.65% | S/ 12,333.13 | S/ 24,836.89 | S/ 37,513.63 | S/ 50,365.76 | S/ 941,820.76 |
| 5.60% | S/ 12,226.18 | S/ 24,620.05 | S/ 37,183.89 | S/ 49,920.04 | S/ 941,375.04 |
| 5.50% | S/ 12,012.17 | S/ 24,186.21 | S/ 36,524.28 | S/ 49,028.62 | S/ 940,483.62 |
| 5.30% | S/ 11,583.70 | S/ 23,317.91 | S/ 35,204.61 | S/ 47,245.76 | S/ 938,700.76 |
| 5.25% | S/ 11,476.48 | S/ 23,100.71 | S/ 34,874.59 | S/ 46,800.04 | S/ 938,255.04 |
| 5.05% | S/ 11,047.24 | S/ 22,231.39 | S/ 33,554.13 | S/ 45,017.19 | S/ 936,472.19 |
| 5.00% | S/ 10,939.84 | S/ 22,013.93 | S/ 33,223.91 | S/ 44,571.47 | S/ 936,026.47 |
| 4.95% | S/ 10,832.39 | S/ 21,796.41 | S/ 32,893.66 | S/ 44,125.76 | S/ 935,580.76 |
| 4.75% | S/ 10,402.23 | S/ 20,925.84 | S/ 31,572.26 | S/ 42,342.90 | S/ 933,797.90 |
| 4.55% | S/ 9,971.45 | S/ 20,054.45 | S/ 30,250.22 | S/ 40,560.04 | S/ 932,015.04 |
| 4.50% | S/ 9,863.66 | S/ 19,836.47 | S/ 29,919.61 | S/ 40,114.33 | S/ 931,569.33 |
| 4.40% | S/ 9,647.97 | S/ 19,400.35 | S/ 29,258.28 | S/ 39,222.90 | S/ 930,677.90 |
| 4.30% | S/ 9,432.11 | S/ 18,964.02 | S/ 28,596.79 | S/ 38,331.47 | S/ 929,786.47 |
| 4.25% | S/ 9,324.13 | S/ 18,745.78 | S/ 28,265.98 | S/ 37,885.75 | S/ 929,340.75 |
| 4.20% | S/ 9,216.10 | S/ 18,527.49 | S/ 27,935.13 | S/ 37,440.04 | S/ 928,895.04 |
| 4.15% | S/ 9,108.04 | S/ 18,309.14 | S/ 27,604.25 | S/ 36,994.33 | S/ 928,449.33 |
| 4.00% | S/ 8,783.62 | S/ 17,653.79 | S/ 26,611.36 | S/ 35,657.18 | S/ 927,112.18 |
| 3.90% | S/ 8,567.15 | S/ 17,216.62 | S/ 25,949.23 | S/ 34,765.75 | S/ 926,220.75 |
| 3.75% | S/ 8,242.14 | S/ 16,560.48 | S/ 24,955.74 | S/ 33,428.61 | S/ 924,883.61 |
| 3.50% | S/ 7,699.68 | S/ 15,465.86 | S/ 23,299.12 | S/ 31,200.04 | S/ 922,655.04 |
| 3.00% | S/ 6,611.80 | S/ 13,272.64 | S/ 19,982.88 | S/ 26,742.89 | S/ 918,197.89 |
| 2.75% | S/ 6,066.38 | S/ 12,174.03 | S/ 18,323.25 | S/ 24,514.32 | S/ 915,969.32 |
| 2.50% | S/ 5,519.95 | S/ 11,074.09 | S/ 16,662.61 | S/ 22,285.74 | S/ 913,740.74 |
| 2.00% | S/ 4,424.11 | S/ 8,870.17 | S/ 13,338.29 | S/ 17,828.60 | S/ 909,283.60 |
| 1.35% | S/ 2,993.46 | S/ 5,996.98 | S/ 9,010.58 | S/ 12,034.30 | S/ 903,489.30 |
| 1.00% | S/ 2,220.27 | S/ 4,446.06 | S/ 6,677.40 | S/ 8,914.30 | S/ 900,369.30 |
| 0.10% | S/ 222.77 | S/ 445.60 | S/ 668.49 | S/ 891.43 | S/ 892,346.43 |
Sobre los datos
-
Para S/ 891,455 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 891,455 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.