Cálculo de intereses
Ahorrando S/ 897,283
Veamos que pasaría si Usted ahorrara 897,283 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/ 897,283.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 10,250.59 | S/ 20,618.28 | S/ 31,104.41 | S/ 41,710.34 | S/ 938,993.34 |
| 8.50% | S/ 18,487.45 | S/ 37,355.81 | S/ 56,612.94 | S/ 76,266.83 | S/ 973,549.83 |
| 8.00% | S/ 17,430.62 | S/ 35,199.84 | S/ 53,314.25 | S/ 71,780.55 | S/ 969,063.55 |
| 7.10% | S/ 15,519.03 | S/ 31,306.48 | S/ 47,366.97 | S/ 63,705.25 | S/ 960,988.25 |
| 7.00% | S/ 15,305.89 | S/ 30,872.87 | S/ 46,705.40 | S/ 62,807.99 | S/ 960,090.99 |
| 6.50% | S/ 14,237.94 | S/ 28,701.81 | S/ 43,395.18 | S/ 58,321.71 | S/ 955,604.71 |
| 6.10% | S/ 13,380.87 | S/ 26,961.28 | S/ 40,744.21 | S/ 54,732.68 | S/ 952,015.68 |
| 6.20% | S/ 13,595.36 | S/ 27,396.72 | S/ 41,407.19 | S/ 55,629.94 | S/ 952,912.94 |
| 5.90% | S/ 12,951.42 | S/ 26,089.79 | S/ 39,417.79 | S/ 52,938.17 | S/ 950,221.17 |
| 5.75% | S/ 12,628.94 | S/ 25,435.63 | S/ 38,422.56 | S/ 51,592.29 | S/ 948,875.29 |
| 5.70% | S/ 12,521.37 | S/ 25,217.47 | S/ 38,090.74 | S/ 51,143.66 | S/ 948,426.66 |
| 5.65% | S/ 12,413.76 | S/ 24,999.26 | S/ 37,758.88 | S/ 50,695.03 | S/ 947,978.03 |
| 5.60% | S/ 12,306.11 | S/ 24,781.00 | S/ 37,426.98 | S/ 50,246.40 | S/ 947,529.40 |
| 5.50% | S/ 12,090.70 | S/ 24,344.33 | S/ 36,763.07 | S/ 49,349.15 | S/ 946,632.15 |
| 5.30% | S/ 11,659.43 | S/ 23,470.36 | S/ 35,434.76 | S/ 47,554.63 | S/ 944,837.63 |
| 5.25% | S/ 11,551.51 | S/ 23,251.74 | S/ 35,102.59 | S/ 47,106.00 | S/ 944,389.00 |
| 5.05% | S/ 11,119.47 | S/ 22,376.73 | S/ 33,773.49 | S/ 45,311.49 | S/ 942,594.49 |
| 5.00% | S/ 11,011.36 | S/ 22,157.84 | S/ 33,441.12 | S/ 44,862.86 | S/ 942,145.86 |
| 4.95% | S/ 10,903.21 | S/ 21,938.91 | S/ 33,108.71 | S/ 44,414.23 | S/ 941,697.23 |
| 4.75% | S/ 10,470.24 | S/ 21,062.65 | S/ 31,778.66 | S/ 42,619.72 | S/ 939,902.72 |
| 4.55% | S/ 10,036.64 | S/ 20,185.55 | S/ 30,447.99 | S/ 40,825.21 | S/ 938,108.21 |
| 4.50% | S/ 9,928.15 | S/ 19,966.15 | S/ 30,115.22 | S/ 40,376.58 | S/ 937,659.58 |
| 4.40% | S/ 9,711.04 | S/ 19,527.18 | S/ 29,449.56 | S/ 39,479.32 | S/ 936,762.32 |
| 4.30% | S/ 9,493.78 | S/ 19,088.00 | S/ 28,783.74 | S/ 38,582.07 | S/ 935,865.07 |
| 4.25% | S/ 9,385.09 | S/ 18,868.33 | S/ 28,450.77 | S/ 38,133.44 | S/ 935,416.44 |
| 4.20% | S/ 9,276.36 | S/ 18,648.61 | S/ 28,117.76 | S/ 37,684.81 | S/ 934,967.81 |
| 4.15% | S/ 9,167.59 | S/ 18,428.84 | S/ 27,784.72 | S/ 37,236.18 | S/ 934,519.18 |
| 4.00% | S/ 8,841.05 | S/ 17,769.20 | S/ 26,785.33 | S/ 35,890.30 | S/ 933,173.30 |
| 3.90% | S/ 8,623.15 | S/ 17,329.18 | S/ 26,118.87 | S/ 34,993.04 | S/ 932,276.04 |
| 3.75% | S/ 8,296.02 | S/ 16,668.75 | S/ 25,118.89 | S/ 33,647.15 | S/ 930,930.15 |
| 3.50% | S/ 7,750.02 | S/ 15,566.97 | S/ 23,451.44 | S/ 31,404.01 | S/ 928,687.01 |
| 3.00% | S/ 6,655.03 | S/ 13,359.41 | S/ 20,113.52 | S/ 26,917.73 | S/ 924,200.73 |
| 2.75% | S/ 6,106.03 | S/ 12,253.62 | S/ 18,443.04 | S/ 24,674.58 | S/ 921,957.58 |
| 2.50% | S/ 5,556.04 | S/ 11,146.49 | S/ 16,771.55 | S/ 22,431.44 | S/ 919,714.44 |
| 2.00% | S/ 4,453.03 | S/ 8,928.16 | S/ 13,425.50 | S/ 17,945.15 | S/ 915,228.15 |
| 1.35% | S/ 3,013.03 | S/ 6,036.19 | S/ 9,069.49 | S/ 12,112.98 | S/ 909,395.98 |
| 1.00% | S/ 2,234.78 | S/ 4,475.13 | S/ 6,721.06 | S/ 8,972.58 | S/ 906,255.58 |
| 0.10% | S/ 224.23 | S/ 448.52 | S/ 672.86 | S/ 897.26 | S/ 898,180.26 |
Sobre los datos
-
Para S/ 897,283 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 897,283 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.