Cálculo de intereses
Ahorrando S/ 948,740
Veamos que pasaría si Usted ahorrara 948,740 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/ 948,740.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 10,838.44 | S/ 21,800.69 | S/ 32,888.18 | S/ 44,102.33 | S/ 992,842.33 |
| 8.50% | S/ 19,547.66 | S/ 39,498.08 | S/ 59,859.55 | S/ 80,640.55 | S/ 1,029,380.55 |
| 8.00% | S/ 18,430.22 | S/ 37,218.47 | S/ 56,371.69 | S/ 75,896.99 | S/ 1,024,636.99 |
| 7.10% | S/ 16,409.01 | S/ 33,101.83 | S/ 50,083.36 | S/ 67,358.59 | S/ 1,016,098.59 |
| 7.00% | S/ 16,183.65 | S/ 32,643.36 | S/ 49,383.84 | S/ 66,409.88 | S/ 1,015,149.88 |
| 6.50% | S/ 15,054.45 | S/ 30,347.78 | S/ 45,883.79 | S/ 61,666.32 | S/ 1,010,406.32 |
| 6.10% | S/ 14,148.23 | S/ 28,507.44 | S/ 43,080.79 | S/ 57,871.47 | S/ 1,006,611.47 |
| 6.20% | S/ 14,375.02 | S/ 28,967.85 | S/ 43,781.79 | S/ 58,820.18 | S/ 1,007,560.18 |
| 5.90% | S/ 13,694.16 | S/ 27,585.97 | S/ 41,678.31 | S/ 55,974.05 | S/ 1,004,714.05 |
| 5.75% | S/ 13,353.18 | S/ 26,894.30 | S/ 40,626.00 | S/ 54,550.98 | S/ 1,003,290.98 |
| 5.70% | S/ 13,239.44 | S/ 26,663.63 | S/ 40,275.15 | S/ 54,076.62 | S/ 1,002,816.62 |
| 5.65% | S/ 13,125.66 | S/ 26,432.91 | S/ 39,924.26 | S/ 53,602.27 | S/ 1,002,342.27 |
| 5.60% | S/ 13,011.84 | S/ 26,202.13 | S/ 39,573.33 | S/ 53,127.91 | S/ 1,001,867.91 |
| 5.50% | S/ 12,784.08 | S/ 25,740.42 | S/ 38,871.34 | S/ 52,179.20 | S/ 1,000,919.20 |
| 5.30% | S/ 12,328.07 | S/ 24,816.33 | S/ 37,466.86 | S/ 50,281.78 | S/ 999,021.78 |
| 5.25% | S/ 12,213.96 | S/ 24,585.17 | S/ 37,115.63 | S/ 49,807.42 | S/ 998,547.42 |
| 5.05% | S/ 11,757.14 | S/ 23,659.98 | S/ 35,710.32 | S/ 47,910.00 | S/ 996,650.00 |
| 5.00% | S/ 11,642.83 | S/ 23,428.54 | S/ 35,358.89 | S/ 47,435.64 | S/ 996,175.64 |
| 4.95% | S/ 11,528.48 | S/ 23,197.05 | S/ 35,007.41 | S/ 46,961.28 | S/ 995,701.28 |
| 4.75% | S/ 11,070.68 | S/ 22,270.54 | S/ 33,601.09 | S/ 45,063.86 | S/ 993,803.86 |
| 4.55% | S/ 10,612.22 | S/ 21,343.15 | S/ 32,194.10 | S/ 43,166.43 | S/ 991,906.43 |
| 4.50% | S/ 10,497.50 | S/ 21,111.16 | S/ 31,842.25 | S/ 42,692.08 | S/ 991,432.08 |
| 4.40% | S/ 10,267.94 | S/ 20,647.02 | S/ 31,138.42 | S/ 41,743.37 | S/ 990,483.37 |
| 4.30% | S/ 10,038.22 | S/ 20,182.65 | S/ 30,434.42 | S/ 40,794.65 | S/ 989,534.65 |
| 4.25% | S/ 9,923.30 | S/ 19,950.39 | S/ 30,082.35 | S/ 40,320.30 | S/ 989,060.30 |
| 4.20% | S/ 9,808.33 | S/ 19,718.07 | S/ 29,730.25 | S/ 39,845.94 | S/ 988,585.94 |
| 4.15% | S/ 9,693.33 | S/ 19,485.69 | S/ 29,378.10 | S/ 39,371.58 | S/ 988,111.58 |
| 4.00% | S/ 9,348.06 | S/ 18,788.22 | S/ 28,321.40 | S/ 37,948.52 | S/ 986,688.52 |
| 3.90% | S/ 9,117.67 | S/ 18,322.97 | S/ 27,616.73 | S/ 36,999.80 | S/ 985,739.80 |
| 3.75% | S/ 8,771.78 | S/ 17,624.66 | S/ 26,559.39 | S/ 35,576.74 | S/ 984,316.74 |
| 3.50% | S/ 8,194.46 | S/ 16,459.70 | S/ 24,796.32 | S/ 33,204.95 | S/ 981,944.95 |
| 3.00% | S/ 7,036.67 | S/ 14,125.54 | S/ 21,266.98 | S/ 28,461.39 | S/ 977,201.39 |
| 2.75% | S/ 6,456.20 | S/ 12,956.34 | S/ 19,500.71 | S/ 26,089.61 | S/ 974,829.61 |
| 2.50% | S/ 5,874.67 | S/ 11,785.71 | S/ 17,733.35 | S/ 23,717.83 | S/ 972,457.83 |
| 2.00% | S/ 4,708.40 | S/ 9,440.17 | S/ 14,195.41 | S/ 18,974.26 | S/ 967,714.26 |
| 1.35% | S/ 3,185.82 | S/ 6,382.35 | S/ 9,589.60 | S/ 12,807.63 | S/ 961,547.63 |
| 1.00% | S/ 2,362.94 | S/ 4,731.77 | S/ 7,106.49 | S/ 9,487.13 | S/ 958,227.13 |
| 0.10% | S/ 237.09 | S/ 474.24 | S/ 711.45 | S/ 948.71 | S/ 949,688.71 |
Sobre los datos
-
Para S/ 948,740 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 948,740 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.