Cálculo de intereses
Ahorrando S/ 950,009
Veamos que pasaría si Usted ahorrara 950,009 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/ 950,009.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 10,852.93 | S/ 21,829.85 | S/ 32,932.17 | S/ 44,161.32 | S/ 994,170.32 |
| 8.50% | S/ 19,573.81 | S/ 39,550.91 | S/ 59,939.62 | S/ 80,748.41 | S/ 1,030,757.41 |
| 8.00% | S/ 18,454.87 | S/ 37,268.25 | S/ 56,447.10 | S/ 75,998.51 | S/ 1,026,007.51 |
| 7.10% | S/ 16,430.96 | S/ 33,146.10 | S/ 50,150.35 | S/ 67,448.68 | S/ 1,017,457.68 |
| 7.00% | S/ 16,205.29 | S/ 32,687.02 | S/ 49,449.89 | S/ 66,498.70 | S/ 1,016,507.70 |
| 6.50% | S/ 15,074.59 | S/ 30,388.38 | S/ 45,945.16 | S/ 61,748.80 | S/ 1,011,757.80 |
| 6.10% | S/ 14,167.15 | S/ 28,545.57 | S/ 43,138.42 | S/ 57,948.88 | S/ 1,007,957.88 |
| 6.20% | S/ 14,394.25 | S/ 29,006.60 | S/ 43,840.35 | S/ 58,898.86 | S/ 1,008,907.86 |
| 5.90% | S/ 13,712.47 | S/ 27,622.87 | S/ 41,734.05 | S/ 56,048.92 | S/ 1,006,057.92 |
| 5.75% | S/ 13,371.04 | S/ 26,930.27 | S/ 40,680.34 | S/ 54,623.94 | S/ 1,004,632.94 |
| 5.70% | S/ 13,257.15 | S/ 26,699.30 | S/ 40,329.03 | S/ 54,148.95 | S/ 1,004,157.95 |
| 5.65% | S/ 13,143.22 | S/ 26,468.26 | S/ 39,977.66 | S/ 53,673.96 | S/ 1,003,682.96 |
| 5.60% | S/ 13,029.24 | S/ 26,237.18 | S/ 39,626.26 | S/ 53,198.97 | S/ 1,003,207.97 |
| 5.50% | S/ 12,801.18 | S/ 25,774.85 | S/ 38,923.33 | S/ 52,248.99 | S/ 1,002,257.99 |
| 5.30% | S/ 12,344.56 | S/ 24,849.52 | S/ 37,516.97 | S/ 50,349.03 | S/ 1,000,358.03 |
| 5.25% | S/ 12,230.30 | S/ 24,618.05 | S/ 37,165.28 | S/ 49,874.04 | S/ 999,883.04 |
| 5.05% | S/ 11,772.87 | S/ 23,691.62 | S/ 35,758.09 | S/ 47,974.08 | S/ 997,983.08 |
| 5.00% | S/ 11,658.40 | S/ 23,459.88 | S/ 35,406.18 | S/ 47,499.09 | S/ 997,508.09 |
| 4.95% | S/ 11,543.90 | S/ 23,228.08 | S/ 35,054.24 | S/ 47,024.10 | S/ 997,033.10 |
| 4.75% | S/ 11,085.49 | S/ 22,300.33 | S/ 33,646.04 | S/ 45,124.13 | S/ 995,133.13 |
| 4.55% | S/ 10,626.42 | S/ 21,371.69 | S/ 32,237.16 | S/ 43,224.17 | S/ 993,233.17 |
| 4.50% | S/ 10,511.54 | S/ 21,139.40 | S/ 31,884.84 | S/ 42,749.18 | S/ 992,758.18 |
| 4.40% | S/ 10,281.68 | S/ 20,674.63 | S/ 31,180.07 | S/ 41,799.20 | S/ 991,808.20 |
| 4.30% | S/ 10,051.65 | S/ 20,209.65 | S/ 30,475.13 | S/ 40,849.22 | S/ 990,858.22 |
| 4.25% | S/ 9,936.57 | S/ 19,977.07 | S/ 30,122.59 | S/ 40,374.23 | S/ 990,383.23 |
| 4.20% | S/ 9,821.45 | S/ 19,744.44 | S/ 29,770.02 | S/ 39,899.24 | S/ 989,908.24 |
| 4.15% | S/ 9,706.29 | S/ 19,511.75 | S/ 29,417.40 | S/ 39,424.25 | S/ 989,433.25 |
| 4.00% | S/ 9,360.56 | S/ 18,813.35 | S/ 28,359.29 | S/ 37,999.27 | S/ 988,008.27 |
| 3.90% | S/ 9,129.87 | S/ 18,347.47 | S/ 27,653.67 | S/ 37,049.29 | S/ 987,058.29 |
| 3.75% | S/ 8,783.51 | S/ 17,648.24 | S/ 26,594.92 | S/ 35,624.32 | S/ 985,633.32 |
| 3.50% | S/ 8,205.42 | S/ 16,481.71 | S/ 24,829.49 | S/ 33,249.37 | S/ 983,258.37 |
| 3.00% | S/ 7,046.09 | S/ 14,144.43 | S/ 21,295.43 | S/ 28,499.46 | S/ 978,508.46 |
| 2.75% | S/ 6,464.84 | S/ 12,973.67 | S/ 19,526.79 | S/ 26,124.51 | S/ 976,133.51 |
| 2.50% | S/ 5,882.52 | S/ 11,801.47 | S/ 17,757.07 | S/ 23,749.55 | S/ 973,758.55 |
| 2.00% | S/ 4,714.70 | S/ 9,452.79 | S/ 14,214.40 | S/ 18,999.64 | S/ 969,008.64 |
| 1.35% | S/ 3,190.09 | S/ 6,390.88 | S/ 9,602.43 | S/ 12,824.76 | S/ 962,833.76 |
| 1.00% | S/ 2,366.10 | S/ 4,738.10 | S/ 7,116.00 | S/ 9,499.82 | S/ 959,508.82 |
| 0.10% | S/ 237.41 | S/ 474.87 | S/ 712.40 | S/ 949.98 | S/ 950,958.98 |
Sobre los datos
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Para S/ 950,009 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/ 950,009 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.