Cálculo de intereses
Ahorrando S/ 976,524
Veamos que pasaría si Usted ahorrara 976,524 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/ 976,524.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,155.84 | S/ 22,439.13 | S/ 33,851.31 | S/ 45,393.87 | S/ 1,021,917.87 |
| 8.50% | S/ 20,120.12 | S/ 40,654.79 | S/ 61,612.55 | S/ 83,002.12 | S/ 1,059,526.12 |
| 8.00% | S/ 18,969.95 | S/ 38,308.42 | S/ 58,022.55 | S/ 78,119.65 | S/ 1,054,643.65 |
| 7.10% | S/ 16,889.55 | S/ 34,071.22 | S/ 51,550.05 | S/ 69,331.20 | S/ 1,045,855.20 |
| 7.00% | S/ 16,657.59 | S/ 33,599.32 | S/ 50,830.05 | S/ 68,354.70 | S/ 1,044,878.70 |
| 6.50% | S/ 15,495.32 | S/ 31,236.52 | S/ 47,227.50 | S/ 63,472.23 | S/ 1,039,996.23 |
| 6.10% | S/ 14,562.56 | S/ 29,342.29 | S/ 44,342.42 | S/ 59,566.25 | S/ 1,036,090.25 |
| 6.20% | S/ 14,796.00 | S/ 29,816.18 | S/ 45,063.95 | S/ 60,542.74 | S/ 1,037,066.74 |
| 5.90% | S/ 14,095.19 | S/ 28,393.83 | S/ 42,898.86 | S/ 57,613.26 | S/ 1,034,137.26 |
| 5.75% | S/ 13,744.23 | S/ 27,681.90 | S/ 41,815.74 | S/ 56,148.51 | S/ 1,032,672.51 |
| 5.70% | S/ 13,627.16 | S/ 27,444.48 | S/ 41,454.62 | S/ 55,660.27 | S/ 1,032,184.27 |
| 5.65% | S/ 13,510.05 | S/ 27,207.00 | S/ 41,093.45 | S/ 55,172.02 | S/ 1,031,696.02 |
| 5.60% | S/ 13,392.89 | S/ 26,969.47 | S/ 40,732.24 | S/ 54,683.77 | S/ 1,031,207.77 |
| 5.50% | S/ 13,158.46 | S/ 26,494.23 | S/ 40,009.69 | S/ 53,707.28 | S/ 1,030,231.28 |
| 5.30% | S/ 12,689.10 | S/ 25,543.08 | S/ 38,564.08 | S/ 51,754.29 | S/ 1,028,278.29 |
| 5.25% | S/ 12,571.65 | S/ 25,305.15 | S/ 38,202.57 | S/ 51,266.04 | S/ 1,027,790.04 |
| 5.05% | S/ 12,101.45 | S/ 24,352.86 | S/ 36,756.10 | S/ 49,313.05 | S/ 1,025,837.05 |
| 5.00% | S/ 11,983.79 | S/ 24,114.65 | S/ 36,394.38 | S/ 48,824.80 | S/ 1,025,348.80 |
| 4.95% | S/ 11,866.10 | S/ 23,876.38 | S/ 36,032.61 | S/ 48,336.55 | S/ 1,024,860.55 |
| 4.75% | S/ 11,394.89 | S/ 22,922.74 | S/ 34,585.11 | S/ 46,383.56 | S/ 1,022,907.56 |
| 4.55% | S/ 10,923.00 | S/ 21,968.18 | S/ 33,136.91 | S/ 44,430.57 | S/ 1,020,954.57 |
| 4.50% | S/ 10,804.92 | S/ 21,729.40 | S/ 32,774.76 | S/ 43,942.32 | S/ 1,020,466.32 |
| 4.40% | S/ 10,568.64 | S/ 21,251.67 | S/ 32,050.31 | S/ 42,965.83 | S/ 1,019,489.83 |
| 4.30% | S/ 10,332.19 | S/ 20,773.70 | S/ 31,325.70 | S/ 41,989.33 | S/ 1,018,513.33 |
| 4.25% | S/ 10,213.90 | S/ 20,534.64 | S/ 30,963.32 | S/ 41,501.08 | S/ 1,018,025.08 |
| 4.20% | S/ 10,095.57 | S/ 20,295.51 | S/ 30,600.90 | S/ 41,012.84 | S/ 1,017,536.84 |
| 4.15% | S/ 9,977.20 | S/ 20,056.33 | S/ 30,238.44 | S/ 40,524.59 | S/ 1,017,048.59 |
| 4.00% | S/ 9,621.82 | S/ 19,338.44 | S/ 29,150.80 | S/ 39,059.84 | S/ 1,015,583.84 |
| 3.90% | S/ 9,384.68 | S/ 18,859.56 | S/ 28,425.49 | S/ 38,083.35 | S/ 1,014,607.35 |
| 3.75% | S/ 9,028.66 | S/ 18,140.80 | S/ 27,337.19 | S/ 36,618.61 | S/ 1,013,142.61 |
| 3.50% | S/ 8,434.44 | S/ 16,941.72 | S/ 25,522.49 | S/ 34,177.37 | S/ 1,010,701.37 |
| 3.00% | S/ 7,242.75 | S/ 14,539.21 | S/ 21,889.79 | S/ 29,294.89 | S/ 1,005,818.89 |
| 2.75% | S/ 6,645.27 | S/ 13,335.76 | S/ 20,071.79 | S/ 26,853.65 | S/ 1,003,377.65 |
| 2.50% | S/ 6,046.71 | S/ 12,130.86 | S/ 18,252.68 | S/ 24,412.41 | S/ 1,000,936.41 |
| 2.00% | S/ 4,846.29 | S/ 9,716.62 | S/ 14,611.13 | S/ 19,529.93 | S/ 996,053.93 |
| 1.35% | S/ 3,279.12 | S/ 6,569.25 | S/ 9,870.44 | S/ 13,182.70 | S/ 989,706.70 |
| 1.00% | S/ 2,432.14 | S/ 4,870.34 | S/ 7,314.61 | S/ 9,764.97 | S/ 986,288.97 |
| 0.10% | S/ 244.03 | S/ 488.13 | S/ 732.28 | S/ 976.50 | S/ 977,500.50 |
Sobre los datos
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Para S/ 976,524 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/ 976,524 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.