Cálculo de intereses
Ahorrando S/ 918,678
Veamos que pasaría si Usted ahorrara 918,678 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/ 918,678.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 10,495.01 | S/ 21,109.91 | S/ 31,846.07 | S/ 42,704.89 | S/ 961,382.89 |
| 8.50% | S/ 18,928.27 | S/ 38,246.53 | S/ 57,962.83 | S/ 78,085.35 | S/ 996,763.35 |
| 8.00% | S/ 17,846.24 | S/ 36,039.15 | S/ 54,585.49 | S/ 73,492.10 | S/ 992,170.10 |
| 7.10% | S/ 15,889.07 | S/ 32,052.96 | S/ 48,496.40 | S/ 65,224.25 | S/ 983,902.25 |
| 7.00% | S/ 15,670.85 | S/ 31,609.01 | S/ 47,819.05 | S/ 64,305.60 | S/ 982,983.60 |
| 6.50% | S/ 14,577.43 | S/ 29,386.18 | S/ 44,429.91 | S/ 59,712.34 | S/ 978,390.34 |
| 6.10% | S/ 13,699.92 | S/ 27,604.15 | S/ 41,715.73 | S/ 56,037.74 | S/ 974,715.74 |
| 6.20% | S/ 13,919.53 | S/ 28,049.97 | S/ 42,394.51 | S/ 56,956.39 | S/ 975,634.39 |
| 5.90% | S/ 13,260.24 | S/ 26,711.88 | S/ 40,357.68 | S/ 54,200.44 | S/ 972,878.44 |
| 5.75% | S/ 12,930.07 | S/ 26,042.12 | S/ 39,338.72 | S/ 52,822.46 | S/ 971,500.46 |
| 5.70% | S/ 12,819.93 | S/ 25,818.76 | S/ 38,998.99 | S/ 52,363.14 | S/ 971,041.14 |
| 5.65% | S/ 12,709.76 | S/ 25,595.35 | S/ 38,659.21 | S/ 51,903.81 | S/ 970,581.81 |
| 5.60% | S/ 12,599.54 | S/ 25,371.89 | S/ 38,319.40 | S/ 51,444.49 | S/ 970,122.49 |
| 5.50% | S/ 12,379.00 | S/ 24,924.80 | S/ 37,639.65 | S/ 50,525.84 | S/ 969,203.84 |
| 5.30% | S/ 11,937.44 | S/ 24,029.99 | S/ 36,279.68 | S/ 48,688.54 | S/ 967,366.54 |
| 5.25% | S/ 11,826.95 | S/ 23,806.15 | S/ 35,939.58 | S/ 48,229.21 | S/ 966,907.21 |
| 5.05% | S/ 11,384.60 | S/ 22,910.28 | S/ 34,578.79 | S/ 46,391.91 | S/ 965,069.91 |
| 5.00% | S/ 11,273.91 | S/ 22,686.18 | S/ 34,238.50 | S/ 45,932.58 | S/ 964,610.58 |
| 4.95% | S/ 11,163.19 | S/ 22,462.03 | S/ 33,898.16 | S/ 45,473.26 | S/ 964,151.26 |
| 4.75% | S/ 10,719.89 | S/ 21,564.87 | S/ 32,536.40 | S/ 43,635.95 | S/ 962,313.95 |
| 4.55% | S/ 10,275.96 | S/ 20,666.86 | S/ 31,173.99 | S/ 41,798.65 | S/ 960,476.65 |
| 4.50% | S/ 10,164.88 | S/ 20,442.23 | S/ 30,833.29 | S/ 41,339.33 | S/ 960,017.33 |
| 4.40% | S/ 9,942.59 | S/ 19,992.79 | S/ 30,151.76 | S/ 40,420.68 | S/ 959,098.68 |
| 4.30% | S/ 9,720.15 | S/ 19,543.14 | S/ 29,470.07 | S/ 39,502.02 | S/ 958,180.02 |
| 4.25% | S/ 9,608.87 | S/ 19,318.23 | S/ 29,129.16 | S/ 39,042.70 | S/ 957,720.70 |
| 4.20% | S/ 9,497.54 | S/ 19,093.27 | S/ 28,788.21 | S/ 38,583.37 | S/ 957,261.37 |
| 4.15% | S/ 9,386.18 | S/ 18,868.26 | S/ 28,447.22 | S/ 38,124.05 | S/ 956,802.05 |
| 4.00% | S/ 9,051.85 | S/ 18,192.90 | S/ 27,424.01 | S/ 36,746.07 | S/ 955,424.07 |
| 3.90% | S/ 8,828.77 | S/ 17,742.38 | S/ 26,741.66 | S/ 35,827.42 | S/ 954,505.42 |
| 3.75% | S/ 8,493.84 | S/ 17,066.20 | S/ 25,717.83 | S/ 34,449.44 | S/ 953,127.44 |
| 3.50% | S/ 7,934.81 | S/ 15,938.15 | S/ 24,010.62 | S/ 32,152.81 | S/ 950,830.81 |
| 3.00% | S/ 6,813.71 | S/ 13,677.95 | S/ 20,593.11 | S/ 27,559.56 | S/ 946,237.56 |
| 2.75% | S/ 6,251.63 | S/ 12,545.80 | S/ 18,882.80 | S/ 25,262.93 | S/ 943,940.93 |
| 2.50% | S/ 5,688.52 | S/ 11,412.27 | S/ 17,171.45 | S/ 22,966.30 | S/ 941,644.30 |
| 2.00% | S/ 4,559.21 | S/ 9,141.04 | S/ 13,745.62 | S/ 18,373.04 | S/ 937,051.04 |
| 1.35% | S/ 3,084.88 | S/ 6,180.11 | S/ 9,285.74 | S/ 12,401.80 | S/ 931,079.80 |
| 1.00% | S/ 2,288.07 | S/ 4,581.83 | S/ 6,881.31 | S/ 9,186.52 | S/ 927,864.52 |
| 0.10% | S/ 229.58 | S/ 459.21 | S/ 688.90 | S/ 918.65 | S/ 919,596.65 |
Sobre los datos
-
Para S/ 918,678 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 918,678 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.