Cálculo de intereses
Ahorrando S/ 925,700
Veamos que pasaría si Usted ahorrara 925,700 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/ 925,700.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 10,575.23 | S/ 21,271.26 | S/ 32,089.49 | S/ 43,031.31 | S/ 968,731.31 |
| 8.50% | S/ 19,072.95 | S/ 38,538.87 | S/ 58,405.87 | S/ 78,682.21 | S/ 1,004,382.21 |
| 8.00% | S/ 17,982.65 | S/ 36,314.62 | S/ 55,002.72 | S/ 74,053.85 | S/ 999,753.85 |
| 7.10% | S/ 16,010.52 | S/ 32,297.96 | S/ 48,867.09 | S/ 65,722.80 | S/ 991,422.80 |
| 7.00% | S/ 15,790.63 | S/ 31,850.62 | S/ 48,184.56 | S/ 64,797.12 | S/ 990,497.12 |
| 6.50% | S/ 14,688.86 | S/ 29,610.79 | S/ 44,769.51 | S/ 60,168.76 | S/ 985,868.76 |
| 6.10% | S/ 13,804.64 | S/ 27,815.15 | S/ 42,034.58 | S/ 56,466.07 | S/ 982,166.07 |
| 6.20% | S/ 14,025.93 | S/ 28,264.37 | S/ 42,718.56 | S/ 57,391.74 | S/ 983,091.74 |
| 5.90% | S/ 13,361.60 | S/ 26,916.05 | S/ 40,666.15 | S/ 54,614.73 | S/ 980,314.73 |
| 5.75% | S/ 13,028.90 | S/ 26,241.17 | S/ 39,639.41 | S/ 53,226.22 | S/ 978,926.22 |
| 5.70% | S/ 12,917.92 | S/ 26,016.11 | S/ 39,297.08 | S/ 52,763.38 | S/ 978,463.38 |
| 5.65% | S/ 12,806.90 | S/ 25,790.99 | S/ 38,954.71 | S/ 52,300.54 | S/ 978,000.54 |
| 5.60% | S/ 12,695.85 | S/ 25,565.82 | S/ 38,612.30 | S/ 51,837.71 | S/ 977,537.71 |
| 5.50% | S/ 12,473.62 | S/ 25,115.31 | S/ 37,927.36 | S/ 50,912.04 | S/ 976,612.04 |
| 5.30% | S/ 12,028.68 | S/ 24,213.67 | S/ 36,556.98 | S/ 49,060.69 | S/ 974,760.69 |
| 5.25% | S/ 11,917.35 | S/ 23,988.12 | S/ 36,214.29 | S/ 48,597.85 | S/ 974,297.85 |
| 5.05% | S/ 11,471.62 | S/ 23,085.40 | S/ 34,843.10 | S/ 46,746.51 | S/ 972,446.51 |
| 5.00% | S/ 11,360.09 | S/ 22,859.58 | S/ 34,500.20 | S/ 46,283.67 | S/ 971,983.67 |
| 4.95% | S/ 11,248.52 | S/ 22,633.72 | S/ 34,157.26 | S/ 45,820.84 | S/ 971,520.84 |
| 4.75% | S/ 10,801.83 | S/ 21,729.71 | S/ 32,785.10 | S/ 43,969.49 | S/ 969,669.49 |
| 4.55% | S/ 10,354.50 | S/ 20,824.83 | S/ 31,412.27 | S/ 42,118.14 | S/ 967,818.14 |
| 4.50% | S/ 10,242.57 | S/ 20,598.48 | S/ 31,068.97 | S/ 41,655.31 | S/ 967,355.31 |
| 4.40% | S/ 10,018.59 | S/ 20,145.61 | S/ 30,382.23 | S/ 40,729.63 | S/ 966,429.63 |
| 4.30% | S/ 9,794.44 | S/ 19,692.52 | S/ 29,695.32 | S/ 39,803.96 | S/ 965,503.96 |
| 4.25% | S/ 9,682.31 | S/ 19,465.90 | S/ 29,351.81 | S/ 39,341.13 | S/ 965,041.13 |
| 4.20% | S/ 9,570.14 | S/ 19,239.22 | S/ 29,008.25 | S/ 38,878.29 | S/ 964,578.29 |
| 4.15% | S/ 9,457.93 | S/ 19,012.48 | S/ 28,664.66 | S/ 38,415.45 | S/ 964,115.45 |
| 4.00% | S/ 9,121.04 | S/ 18,331.95 | S/ 27,633.62 | S/ 37,026.94 | S/ 962,726.94 |
| 3.90% | S/ 8,896.25 | S/ 17,878.00 | S/ 26,946.06 | S/ 36,101.27 | S/ 961,801.27 |
| 3.75% | S/ 8,558.76 | S/ 17,196.65 | S/ 25,914.40 | S/ 34,712.76 | S/ 960,412.76 |
| 3.50% | S/ 7,995.46 | S/ 16,059.98 | S/ 24,194.15 | S/ 32,398.58 | S/ 958,098.58 |
| 3.00% | S/ 6,865.79 | S/ 13,782.50 | S/ 20,750.52 | S/ 27,770.21 | S/ 953,470.21 |
| 2.75% | S/ 6,299.41 | S/ 12,641.69 | S/ 19,027.13 | S/ 25,456.03 | S/ 951,156.03 |
| 2.50% | S/ 5,732.00 | S/ 11,499.50 | S/ 17,302.70 | S/ 23,141.84 | S/ 948,841.84 |
| 2.00% | S/ 4,594.06 | S/ 9,210.91 | S/ 13,850.68 | S/ 18,513.48 | S/ 944,213.48 |
| 1.35% | S/ 3,108.46 | S/ 6,227.35 | S/ 9,356.72 | S/ 12,496.60 | S/ 938,196.60 |
| 1.00% | S/ 2,305.56 | S/ 4,616.86 | S/ 6,933.91 | S/ 9,256.74 | S/ 934,956.74 |
| 0.10% | S/ 231.33 | S/ 462.72 | S/ 694.17 | S/ 925.67 | S/ 926,625.67 |
Sobre los datos
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Para S/ 925,700 el promedio de las tasas de interés TEA es de 4.65% en soles.
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(*) Los cálculos de esta simulación para S/ 925,700 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
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En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
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Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.