Cálculo de intereses
Ahorrando S/ 979,480
Veamos que pasaría si Usted ahorrara 979,480 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/ 979,480.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,189.61 | S/ 22,507.05 | S/ 33,953.78 | S/ 45,531.28 | S/ 1,025,011.28 |
| 8.50% | S/ 20,181.02 | S/ 40,777.85 | S/ 61,799.05 | S/ 83,253.37 | S/ 1,062,733.37 |
| 8.00% | S/ 19,027.38 | S/ 38,424.38 | S/ 58,198.19 | S/ 78,356.12 | S/ 1,057,836.12 |
| 7.10% | S/ 16,940.68 | S/ 34,174.36 | S/ 51,706.10 | S/ 69,541.07 | S/ 1,049,021.07 |
| 7.00% | S/ 16,708.01 | S/ 33,701.03 | S/ 50,983.92 | S/ 68,561.61 | S/ 1,048,041.61 |
| 6.50% | S/ 15,542.23 | S/ 31,331.08 | S/ 47,370.46 | S/ 63,664.36 | S/ 1,043,144.36 |
| 6.10% | S/ 14,606.64 | S/ 29,431.11 | S/ 44,476.65 | S/ 59,746.56 | S/ 1,039,226.56 |
| 6.20% | S/ 14,840.79 | S/ 29,906.44 | S/ 45,200.36 | S/ 60,726.01 | S/ 1,040,206.01 |
| 5.90% | S/ 14,137.86 | S/ 28,479.78 | S/ 43,028.72 | S/ 57,787.66 | S/ 1,037,267.66 |
| 5.75% | S/ 13,785.83 | S/ 27,765.70 | S/ 41,942.32 | S/ 56,318.48 | S/ 1,035,798.48 |
| 5.70% | S/ 13,668.41 | S/ 27,527.56 | S/ 41,580.10 | S/ 55,828.75 | S/ 1,035,308.75 |
| 5.65% | S/ 13,550.94 | S/ 27,289.36 | S/ 41,217.84 | S/ 55,339.03 | S/ 1,034,819.03 |
| 5.60% | S/ 13,433.43 | S/ 27,051.10 | S/ 40,855.54 | S/ 54,849.30 | S/ 1,034,329.30 |
| 5.50% | S/ 13,198.29 | S/ 26,574.43 | S/ 40,130.80 | S/ 53,869.85 | S/ 1,033,349.85 |
| 5.30% | S/ 12,727.51 | S/ 25,620.40 | S/ 38,680.82 | S/ 51,910.95 | S/ 1,031,390.95 |
| 5.25% | S/ 12,609.71 | S/ 25,381.75 | S/ 38,318.21 | S/ 51,421.22 | S/ 1,030,901.22 |
| 5.05% | S/ 12,138.08 | S/ 24,426.58 | S/ 36,867.37 | S/ 49,462.32 | S/ 1,028,942.32 |
| 5.00% | S/ 12,020.07 | S/ 24,187.65 | S/ 36,504.55 | S/ 48,972.60 | S/ 1,028,452.60 |
| 4.95% | S/ 11,902.02 | S/ 23,948.66 | S/ 36,141.68 | S/ 48,482.87 | S/ 1,027,962.87 |
| 4.75% | S/ 11,429.38 | S/ 22,992.13 | S/ 34,689.80 | S/ 46,523.97 | S/ 1,026,003.97 |
| 4.55% | S/ 10,956.07 | S/ 22,034.68 | S/ 33,237.22 | S/ 44,565.06 | S/ 1,024,045.06 |
| 4.50% | S/ 10,837.63 | S/ 21,795.18 | S/ 32,873.97 | S/ 44,075.34 | S/ 1,023,555.34 |
| 4.40% | S/ 10,600.64 | S/ 21,316.00 | S/ 32,147.33 | S/ 43,095.89 | S/ 1,022,575.89 |
| 4.30% | S/ 10,363.47 | S/ 20,836.59 | S/ 31,420.52 | S/ 42,116.44 | S/ 1,021,596.44 |
| 4.25% | S/ 10,244.82 | S/ 20,596.80 | S/ 31,057.05 | S/ 41,626.71 | S/ 1,021,106.71 |
| 4.20% | S/ 10,126.13 | S/ 20,356.95 | S/ 30,693.54 | S/ 41,136.98 | S/ 1,020,616.98 |
| 4.15% | S/ 10,007.40 | S/ 20,117.04 | S/ 30,329.98 | S/ 40,647.26 | S/ 1,020,127.26 |
| 4.00% | S/ 9,650.94 | S/ 19,396.98 | S/ 29,239.04 | S/ 39,178.08 | S/ 1,018,658.08 |
| 3.90% | S/ 9,413.09 | S/ 18,916.65 | S/ 28,511.53 | S/ 38,198.63 | S/ 1,017,678.63 |
| 3.75% | S/ 9,055.99 | S/ 18,195.72 | S/ 27,419.94 | S/ 36,729.45 | S/ 1,016,209.45 |
| 3.50% | S/ 8,459.97 | S/ 16,993.01 | S/ 25,599.75 | S/ 34,280.82 | S/ 1,013,760.82 |
| 3.00% | S/ 7,264.67 | S/ 14,583.22 | S/ 21,956.05 | S/ 29,383.57 | S/ 1,008,863.57 |
| 2.75% | S/ 6,665.39 | S/ 13,376.13 | S/ 20,132.55 | S/ 26,934.94 | S/ 1,006,414.94 |
| 2.50% | S/ 6,065.01 | S/ 12,167.58 | S/ 18,307.93 | S/ 24,486.31 | S/ 1,003,966.31 |
| 2.00% | S/ 4,860.96 | S/ 9,746.04 | S/ 14,655.36 | S/ 19,589.05 | S/ 999,069.05 |
| 1.35% | S/ 3,289.05 | S/ 6,589.14 | S/ 9,900.31 | S/ 13,222.61 | S/ 992,702.61 |
| 1.00% | S/ 2,439.50 | S/ 4,885.08 | S/ 7,336.75 | S/ 9,794.52 | S/ 989,274.52 |
| 0.10% | S/ 244.77 | S/ 489.60 | S/ 734.50 | S/ 979.45 | S/ 980,459.45 |
Sobre los datos
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Para S/ 979,480 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/ 979,480 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.
