Cálculo de intereses
Ahorrando S/ 973,804
Veamos que pasaría si Usted ahorrara 973,804 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2020) 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/ 973,804.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,124.77 | S/ 22,376.62 | S/ 33,757.02 | S/ 45,267.43 | S/ 1,019,071.43 |
| 8.50% | S/ 20,064.08 | S/ 40,541.55 | S/ 61,440.93 | S/ 82,770.93 | S/ 1,056,574.93 |
| 8.00% | S/ 18,917.11 | S/ 38,201.71 | S/ 57,860.93 | S/ 77,902.05 | S/ 1,051,706.05 |
| 7.10% | S/ 16,842.51 | S/ 33,976.32 | S/ 51,406.47 | S/ 69,138.08 | S/ 1,042,942.08 |
| 7.00% | S/ 16,611.19 | S/ 33,505.74 | S/ 50,688.47 | S/ 68,164.31 | S/ 1,041,968.31 |
| 6.50% | S/ 15,452.16 | S/ 31,149.52 | S/ 47,095.96 | S/ 63,295.43 | S/ 1,037,099.43 |
| 6.10% | S/ 14,522.00 | S/ 29,260.56 | S/ 44,218.91 | S/ 59,400.33 | S/ 1,033,204.33 |
| 6.20% | S/ 14,754.79 | S/ 29,733.13 | S/ 44,938.43 | S/ 60,374.11 | S/ 1,034,178.11 |
| 5.90% | S/ 14,055.93 | S/ 28,314.74 | S/ 42,779.37 | S/ 57,452.78 | S/ 1,031,256.78 |
| 5.75% | S/ 13,705.95 | S/ 27,604.80 | S/ 41,699.27 | S/ 55,992.12 | S/ 1,029,796.12 |
| 5.70% | S/ 13,589.20 | S/ 27,368.04 | S/ 41,339.15 | S/ 55,505.23 | S/ 1,029,309.23 |
| 5.65% | S/ 13,472.42 | S/ 27,131.22 | S/ 40,978.99 | S/ 55,018.34 | S/ 1,028,822.34 |
| 5.60% | S/ 13,355.59 | S/ 26,894.35 | S/ 40,618.79 | S/ 54,531.46 | S/ 1,028,335.46 |
| 5.50% | S/ 13,121.81 | S/ 26,420.43 | S/ 39,898.25 | S/ 53,557.68 | S/ 1,027,361.68 |
| 5.30% | S/ 12,653.75 | S/ 25,471.93 | S/ 38,456.67 | S/ 51,610.13 | S/ 1,025,414.13 |
| 5.25% | S/ 12,536.63 | S/ 25,234.66 | S/ 38,096.16 | S/ 51,123.24 | S/ 1,024,927.24 |
| 5.05% | S/ 12,067.74 | S/ 24,285.03 | S/ 36,653.72 | S/ 49,175.69 | S/ 1,022,979.69 |
| 5.00% | S/ 11,950.41 | S/ 24,047.48 | S/ 36,293.01 | S/ 48,688.80 | S/ 1,022,492.80 |
| 4.95% | S/ 11,833.04 | S/ 23,809.88 | S/ 35,932.24 | S/ 48,201.92 | S/ 1,022,005.92 |
| 4.75% | S/ 11,363.15 | S/ 22,858.89 | S/ 34,488.77 | S/ 46,254.36 | S/ 1,020,058.36 |
| 4.55% | S/ 10,892.58 | S/ 21,906.99 | S/ 33,044.61 | S/ 44,306.81 | S/ 1,018,110.81 |
| 4.50% | S/ 10,774.83 | S/ 21,668.88 | S/ 32,683.47 | S/ 43,819.93 | S/ 1,017,623.93 |
| 4.40% | S/ 10,539.21 | S/ 21,192.47 | S/ 31,961.04 | S/ 42,846.15 | S/ 1,016,650.15 |
| 4.30% | S/ 10,303.41 | S/ 20,715.84 | S/ 31,238.44 | S/ 41,872.37 | S/ 1,015,676.37 |
| 4.25% | S/ 10,185.45 | S/ 20,477.44 | S/ 30,877.08 | S/ 41,385.49 | S/ 1,015,189.49 |
| 4.20% | S/ 10,067.45 | S/ 20,238.98 | S/ 30,515.67 | S/ 40,898.60 | S/ 1,014,702.60 |
| 4.15% | S/ 9,949.41 | S/ 20,000.47 | S/ 30,154.22 | S/ 40,411.71 | S/ 1,014,215.71 |
| 4.00% | S/ 9,595.02 | S/ 19,284.57 | S/ 29,069.60 | S/ 38,951.05 | S/ 1,012,755.05 |
| 3.90% | S/ 9,358.54 | S/ 18,807.03 | S/ 28,346.31 | S/ 37,977.27 | S/ 1,011,781.27 |
| 3.75% | S/ 9,003.51 | S/ 18,090.27 | S/ 27,261.05 | S/ 36,516.61 | S/ 1,010,320.61 |
| 3.50% | S/ 8,410.94 | S/ 16,894.53 | S/ 25,451.40 | S/ 34,082.17 | S/ 1,007,886.17 |
| 3.00% | S/ 7,222.57 | S/ 14,498.71 | S/ 21,828.82 | S/ 29,213.29 | S/ 1,003,017.29 |
| 2.75% | S/ 6,626.76 | S/ 13,298.62 | S/ 20,015.88 | S/ 26,778.85 | S/ 1,000,582.85 |
| 2.50% | S/ 6,029.86 | S/ 12,097.07 | S/ 18,201.84 | S/ 24,344.41 | S/ 998,148.41 |
| 2.00% | S/ 4,832.79 | S/ 9,689.56 | S/ 14,570.43 | S/ 19,475.53 | S/ 993,279.53 |
| 1.35% | S/ 3,269.99 | S/ 6,550.96 | S/ 9,842.94 | S/ 13,145.98 | S/ 986,949.98 |
| 1.00% | S/ 2,425.37 | S/ 4,856.77 | S/ 7,294.23 | S/ 9,737.77 | S/ 983,541.77 |
| 0.10% | S/ 243.35 | S/ 486.77 | S/ 730.24 | S/ 973.78 | S/ 974,777.78 |
Sobre los datos
-
Para S/ 973,804 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 973,804 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.
