Cálculo de intereses
Ahorrando S/ 918,983
Veamos que pasaría si Usted ahorrara 918,983 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/ 918,983.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 10,498.49 | S/ 21,116.92 | S/ 31,856.65 | S/ 42,719.07 | S/ 961,702.07 |
| 8.50% | S/ 18,934.55 | S/ 38,259.23 | S/ 57,982.07 | S/ 78,111.28 | S/ 997,094.28 |
| 8.00% | S/ 17,852.16 | S/ 36,051.12 | S/ 54,603.61 | S/ 73,516.50 | S/ 992,499.50 |
| 7.10% | S/ 15,894.35 | S/ 32,063.60 | S/ 48,512.50 | S/ 65,245.90 | S/ 984,228.90 |
| 7.00% | S/ 15,676.05 | S/ 31,619.51 | S/ 47,834.93 | S/ 64,326.95 | S/ 983,309.95 |
| 6.50% | S/ 14,582.27 | S/ 29,395.93 | S/ 44,444.66 | S/ 59,732.17 | S/ 978,715.17 |
| 6.10% | S/ 13,704.47 | S/ 27,613.32 | S/ 41,729.58 | S/ 56,056.35 | S/ 975,039.35 |
| 6.20% | S/ 13,924.15 | S/ 28,059.28 | S/ 42,408.59 | S/ 56,975.30 | S/ 975,958.30 |
| 5.90% | S/ 13,264.64 | S/ 26,720.75 | S/ 40,371.08 | S/ 54,218.43 | S/ 973,201.43 |
| 5.75% | S/ 12,934.36 | S/ 26,050.77 | S/ 39,351.78 | S/ 52,840.00 | S/ 971,823.00 |
| 5.70% | S/ 12,824.19 | S/ 25,827.33 | S/ 39,011.93 | S/ 52,380.52 | S/ 971,363.52 |
| 5.65% | S/ 12,713.98 | S/ 25,603.85 | S/ 38,672.05 | S/ 51,921.05 | S/ 970,904.05 |
| 5.60% | S/ 12,603.73 | S/ 25,380.31 | S/ 38,332.12 | S/ 51,461.57 | S/ 970,444.57 |
| 5.50% | S/ 12,383.11 | S/ 24,933.07 | S/ 37,652.15 | S/ 50,542.61 | S/ 969,525.61 |
| 5.30% | S/ 11,941.40 | S/ 24,037.97 | S/ 36,291.72 | S/ 48,704.70 | S/ 967,687.70 |
| 5.25% | S/ 11,830.87 | S/ 23,814.06 | S/ 35,951.51 | S/ 48,245.22 | S/ 967,228.22 |
| 5.05% | S/ 11,388.38 | S/ 22,917.89 | S/ 34,590.27 | S/ 46,407.31 | S/ 965,390.31 |
| 5.00% | S/ 11,277.66 | S/ 22,693.71 | S/ 34,249.86 | S/ 45,947.83 | S/ 964,930.83 |
| 4.95% | S/ 11,166.90 | S/ 22,469.48 | S/ 33,909.41 | S/ 45,488.35 | S/ 964,471.35 |
| 4.75% | S/ 10,723.45 | S/ 21,572.03 | S/ 32,547.20 | S/ 43,650.44 | S/ 962,633.44 |
| 4.55% | S/ 10,279.37 | S/ 20,673.72 | S/ 31,184.34 | S/ 41,812.53 | S/ 960,795.53 |
| 4.50% | S/ 10,168.25 | S/ 20,449.01 | S/ 30,843.53 | S/ 41,353.05 | S/ 960,336.05 |
| 4.40% | S/ 9,945.89 | S/ 19,999.43 | S/ 30,161.77 | S/ 40,434.10 | S/ 959,417.10 |
| 4.30% | S/ 9,723.37 | S/ 19,549.63 | S/ 29,479.85 | S/ 39,515.14 | S/ 958,498.14 |
| 4.25% | S/ 9,612.06 | S/ 19,324.65 | S/ 29,138.83 | S/ 39,055.66 | S/ 958,038.66 |
| 4.20% | S/ 9,500.70 | S/ 19,099.61 | S/ 28,797.77 | S/ 38,596.18 | S/ 957,579.18 |
| 4.15% | S/ 9,389.30 | S/ 18,874.53 | S/ 28,456.66 | S/ 38,136.70 | S/ 957,119.70 |
| 4.00% | S/ 9,054.86 | S/ 18,198.94 | S/ 27,433.11 | S/ 36,758.27 | S/ 955,741.27 |
| 3.90% | S/ 8,831.70 | S/ 17,748.27 | S/ 26,750.54 | S/ 35,839.31 | S/ 954,822.31 |
| 3.75% | S/ 8,496.66 | S/ 17,071.87 | S/ 25,726.37 | S/ 34,460.88 | S/ 953,443.88 |
| 3.50% | S/ 7,937.44 | S/ 15,943.44 | S/ 24,018.59 | S/ 32,163.49 | S/ 951,146.49 |
| 3.00% | S/ 6,815.97 | S/ 13,682.50 | S/ 20,599.95 | S/ 27,568.71 | S/ 946,551.71 |
| 2.75% | S/ 6,253.70 | S/ 12,549.96 | S/ 18,889.07 | S/ 25,271.32 | S/ 944,254.32 |
| 2.50% | S/ 5,690.41 | S/ 11,416.05 | S/ 17,177.15 | S/ 22,973.92 | S/ 941,956.92 |
| 2.00% | S/ 4,560.72 | S/ 9,144.08 | S/ 13,750.18 | S/ 18,379.14 | S/ 937,362.14 |
| 1.35% | S/ 3,085.90 | S/ 6,182.17 | S/ 9,288.83 | S/ 12,405.92 | S/ 931,388.92 |
| 1.00% | S/ 2,288.83 | S/ 4,583.36 | S/ 6,883.60 | S/ 9,189.57 | S/ 928,172.57 |
| 0.10% | S/ 229.65 | S/ 459.36 | S/ 689.13 | S/ 918.96 | S/ 919,901.96 |
Sobre los datos
-
Para S/ 918,983 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 918,983 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.