Cálculo de intereses
Ahorrando S/ 977,320
Veamos que pasaría si Usted ahorrara 977,320 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/ 977,320.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,164.93 | S/ 22,457.42 | S/ 33,878.90 | S/ 45,430.87 | S/ 1,022,750.87 |
| 8.50% | S/ 20,136.52 | S/ 40,687.93 | S/ 61,662.77 | S/ 83,069.78 | S/ 1,060,389.78 |
| 8.00% | S/ 18,985.42 | S/ 38,339.64 | S/ 58,069.84 | S/ 78,183.33 | S/ 1,055,503.33 |
| 7.10% | S/ 16,903.32 | S/ 34,098.99 | S/ 51,592.07 | S/ 69,387.71 | S/ 1,046,707.71 |
| 7.00% | S/ 16,671.17 | S/ 33,626.71 | S/ 50,871.48 | S/ 68,410.42 | S/ 1,045,730.42 |
| 6.50% | S/ 15,507.95 | S/ 31,261.99 | S/ 47,266.00 | S/ 63,523.96 | S/ 1,040,843.96 |
| 6.10% | S/ 14,574.43 | S/ 29,366.21 | S/ 44,378.57 | S/ 59,614.80 | S/ 1,036,934.80 |
| 6.20% | S/ 14,808.06 | S/ 29,840.49 | S/ 45,100.68 | S/ 60,592.09 | S/ 1,037,912.09 |
| 5.90% | S/ 14,106.68 | S/ 28,416.98 | S/ 42,933.83 | S/ 57,660.22 | S/ 1,034,980.22 |
| 5.75% | S/ 13,755.43 | S/ 27,704.47 | S/ 41,849.83 | S/ 56,194.28 | S/ 1,033,514.28 |
| 5.70% | S/ 13,638.27 | S/ 27,466.85 | S/ 41,488.41 | S/ 55,705.64 | S/ 1,033,025.64 |
| 5.65% | S/ 13,521.06 | S/ 27,229.18 | S/ 41,126.95 | S/ 55,216.99 | S/ 1,032,536.99 |
| 5.60% | S/ 13,403.81 | S/ 26,991.45 | S/ 40,765.44 | S/ 54,728.35 | S/ 1,032,048.35 |
| 5.50% | S/ 13,169.19 | S/ 26,515.82 | S/ 40,042.31 | S/ 53,751.05 | S/ 1,031,071.05 |
| 5.30% | S/ 12,699.44 | S/ 25,563.90 | S/ 38,595.52 | S/ 51,796.47 | S/ 1,029,116.47 |
| 5.25% | S/ 12,581.90 | S/ 25,325.77 | S/ 38,233.71 | S/ 51,307.83 | S/ 1,028,627.83 |
| 5.05% | S/ 12,111.31 | S/ 24,372.71 | S/ 36,786.06 | S/ 49,353.24 | S/ 1,026,673.24 |
| 5.00% | S/ 11,993.56 | S/ 24,134.31 | S/ 36,424.04 | S/ 48,864.60 | S/ 1,026,184.60 |
| 4.95% | S/ 11,875.77 | S/ 23,895.84 | S/ 36,061.98 | S/ 48,375.95 | S/ 1,025,695.95 |
| 4.75% | S/ 11,404.18 | S/ 22,941.42 | S/ 34,613.30 | S/ 46,421.37 | S/ 1,023,741.37 |
| 4.55% | S/ 10,931.91 | S/ 21,986.09 | S/ 33,163.92 | S/ 44,466.79 | S/ 1,021,786.79 |
| 4.50% | S/ 10,813.73 | S/ 21,747.11 | S/ 32,801.47 | S/ 43,978.14 | S/ 1,021,298.14 |
| 4.40% | S/ 10,577.26 | S/ 21,268.99 | S/ 32,076.44 | S/ 43,000.85 | S/ 1,020,320.85 |
| 4.30% | S/ 10,340.61 | S/ 20,790.64 | S/ 31,351.23 | S/ 42,023.56 | S/ 1,019,343.56 |
| 4.25% | S/ 10,222.23 | S/ 20,551.38 | S/ 30,988.56 | S/ 41,534.91 | S/ 1,018,854.91 |
| 4.20% | S/ 10,103.80 | S/ 20,312.06 | S/ 30,625.85 | S/ 41,046.27 | S/ 1,018,366.27 |
| 4.15% | S/ 9,985.33 | S/ 20,072.68 | S/ 30,263.09 | S/ 40,557.62 | S/ 1,017,877.62 |
| 4.00% | S/ 9,629.66 | S/ 19,354.20 | S/ 29,174.56 | S/ 39,091.68 | S/ 1,016,411.68 |
| 3.90% | S/ 9,392.33 | S/ 18,874.93 | S/ 28,448.66 | S/ 38,114.39 | S/ 1,015,434.39 |
| 3.75% | S/ 9,036.02 | S/ 18,155.59 | S/ 27,359.47 | S/ 36,648.45 | S/ 1,013,968.45 |
| 3.50% | S/ 8,441.31 | S/ 16,955.53 | S/ 25,543.29 | S/ 34,205.23 | S/ 1,011,525.23 |
| 3.00% | S/ 7,248.65 | S/ 14,551.06 | S/ 21,907.63 | S/ 29,318.77 | S/ 1,006,638.77 |
| 2.75% | S/ 6,650.69 | S/ 13,346.64 | S/ 20,088.15 | S/ 26,875.54 | S/ 1,004,195.54 |
| 2.50% | S/ 6,051.64 | S/ 12,140.74 | S/ 18,267.56 | S/ 24,432.31 | S/ 1,001,752.31 |
| 2.00% | S/ 4,850.24 | S/ 9,724.54 | S/ 14,623.04 | S/ 19,545.85 | S/ 996,865.85 |
| 1.35% | S/ 3,281.79 | S/ 6,574.61 | S/ 9,878.48 | S/ 13,193.45 | S/ 990,513.45 |
| 1.00% | S/ 2,434.12 | S/ 4,874.31 | S/ 7,320.57 | S/ 9,772.92 | S/ 987,092.92 |
| 0.10% | S/ 244.23 | S/ 488.52 | S/ 732.88 | S/ 977.29 | S/ 978,297.29 |
Sobre los datos
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Para S/ 977,320 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/ 977,320 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.