Cálculo de intereses
Ahorrando S/ 974,460
Veamos que pasaría si Usted ahorrara 974,460 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/ 974,460.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,132.26 | S/ 22,391.70 | S/ 33,779.76 | S/ 45,297.92 | S/ 1,019,757.92 |
| 8.50% | S/ 20,077.59 | S/ 40,568.86 | S/ 61,482.32 | S/ 82,826.68 | S/ 1,057,286.68 |
| 8.00% | S/ 18,929.86 | S/ 38,227.45 | S/ 57,899.91 | S/ 77,954.53 | S/ 1,052,414.53 |
| 7.10% | S/ 16,853.85 | S/ 33,999.21 | S/ 51,441.10 | S/ 69,184.66 | S/ 1,043,644.66 |
| 7.00% | S/ 16,622.38 | S/ 33,528.31 | S/ 50,722.62 | S/ 68,210.22 | S/ 1,042,670.22 |
| 6.50% | S/ 15,462.57 | S/ 31,170.50 | S/ 47,127.68 | S/ 63,338.07 | S/ 1,037,798.07 |
| 6.10% | S/ 14,531.78 | S/ 29,280.27 | S/ 44,248.70 | S/ 59,440.35 | S/ 1,033,900.35 |
| 6.20% | S/ 14,764.73 | S/ 29,753.16 | S/ 44,968.70 | S/ 60,414.78 | S/ 1,034,874.78 |
| 5.90% | S/ 14,065.40 | S/ 28,333.82 | S/ 42,808.19 | S/ 57,491.48 | S/ 1,031,951.48 |
| 5.75% | S/ 13,715.18 | S/ 27,623.39 | S/ 41,727.36 | S/ 56,029.84 | S/ 1,030,489.84 |
| 5.70% | S/ 13,598.36 | S/ 27,386.47 | S/ 41,367.00 | S/ 55,542.62 | S/ 1,030,002.62 |
| 5.65% | S/ 13,481.49 | S/ 27,149.50 | S/ 41,006.60 | S/ 55,055.41 | S/ 1,029,515.41 |
| 5.60% | S/ 13,364.58 | S/ 26,912.46 | S/ 40,646.15 | S/ 54,568.19 | S/ 1,029,028.19 |
| 5.50% | S/ 13,130.65 | S/ 26,438.23 | S/ 39,925.13 | S/ 53,593.76 | S/ 1,028,053.76 |
| 5.30% | S/ 12,662.28 | S/ 25,489.09 | S/ 38,482.57 | S/ 51,644.90 | S/ 1,026,104.90 |
| 5.25% | S/ 12,545.08 | S/ 25,251.66 | S/ 38,121.83 | S/ 51,157.68 | S/ 1,025,617.68 |
| 5.05% | S/ 12,075.87 | S/ 24,301.39 | S/ 36,678.41 | S/ 49,208.82 | S/ 1,023,668.82 |
| 5.00% | S/ 11,958.46 | S/ 24,063.68 | S/ 36,317.45 | S/ 48,721.60 | S/ 1,023,181.60 |
| 4.95% | S/ 11,841.02 | S/ 23,825.92 | S/ 35,956.45 | S/ 48,234.39 | S/ 1,022,694.39 |
| 4.75% | S/ 11,370.80 | S/ 22,874.29 | S/ 34,512.01 | S/ 46,285.52 | S/ 1,020,745.52 |
| 4.55% | S/ 10,899.91 | S/ 21,921.75 | S/ 33,066.87 | S/ 44,336.66 | S/ 1,018,796.66 |
| 4.50% | S/ 10,782.09 | S/ 21,683.47 | S/ 32,705.48 | S/ 43,849.44 | S/ 1,018,309.44 |
| 4.40% | S/ 10,546.31 | S/ 21,206.75 | S/ 31,982.57 | S/ 42,875.01 | S/ 1,017,335.01 |
| 4.30% | S/ 10,310.35 | S/ 20,729.80 | S/ 31,259.48 | S/ 41,900.58 | S/ 1,016,360.58 |
| 4.25% | S/ 10,192.31 | S/ 20,491.24 | S/ 30,897.88 | S/ 41,413.37 | S/ 1,015,873.37 |
| 4.20% | S/ 10,074.23 | S/ 20,252.62 | S/ 30,536.23 | S/ 40,926.15 | S/ 1,015,386.15 |
| 4.15% | S/ 9,956.11 | S/ 20,013.94 | S/ 30,174.53 | S/ 40,438.93 | S/ 1,014,898.93 |
| 4.00% | S/ 9,601.48 | S/ 19,297.57 | S/ 29,089.19 | S/ 38,977.29 | S/ 1,013,437.29 |
| 3.90% | S/ 9,364.85 | S/ 18,819.70 | S/ 28,365.41 | S/ 38,002.86 | S/ 1,012,462.86 |
| 3.75% | S/ 9,009.58 | S/ 18,102.46 | S/ 27,279.41 | S/ 36,541.21 | S/ 1,011,001.21 |
| 3.50% | S/ 8,416.61 | S/ 16,905.91 | S/ 25,468.54 | S/ 34,105.13 | S/ 1,008,565.13 |
| 3.00% | S/ 7,227.44 | S/ 14,508.48 | S/ 21,843.52 | S/ 29,232.97 | S/ 1,003,692.97 |
| 2.75% | S/ 6,631.23 | S/ 13,307.58 | S/ 20,029.36 | S/ 26,796.89 | S/ 1,001,256.89 |
| 2.50% | S/ 6,033.93 | S/ 12,105.22 | S/ 18,214.10 | S/ 24,360.81 | S/ 998,820.81 |
| 2.00% | S/ 4,836.04 | S/ 9,696.09 | S/ 14,580.25 | S/ 19,488.65 | S/ 993,948.65 |
| 1.35% | S/ 3,272.19 | S/ 6,555.37 | S/ 9,849.57 | S/ 13,154.84 | S/ 987,614.84 |
| 1.00% | S/ 2,427.00 | S/ 4,860.04 | S/ 7,299.15 | S/ 9,744.33 | S/ 984,204.33 |
| 0.10% | S/ 243.52 | S/ 487.09 | S/ 730.73 | S/ 974.43 | S/ 975,434.43 |
Sobre los datos
-
Para S/ 974,460 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 974,460 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.