Cálculo de intereses
Ahorrando S/ 980,419
Veamos que pasaría si Usted ahorrara 980,419 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/ 980,419.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,200.34 | S/ 22,528.63 | S/ 33,986.33 | S/ 45,574.93 | S/ 1,025,993.93 |
| 8.50% | S/ 20,200.37 | S/ 40,816.94 | S/ 61,858.30 | S/ 83,333.19 | S/ 1,063,752.19 |
| 8.00% | S/ 19,045.62 | S/ 38,461.21 | S/ 58,253.98 | S/ 78,431.24 | S/ 1,058,850.24 |
| 7.10% | S/ 16,956.92 | S/ 34,207.12 | S/ 51,755.67 | S/ 69,607.73 | S/ 1,050,026.73 |
| 7.00% | S/ 16,724.03 | S/ 33,733.34 | S/ 51,032.79 | S/ 68,627.34 | S/ 1,049,046.34 |
| 6.50% | S/ 15,557.13 | S/ 31,361.12 | S/ 47,415.88 | S/ 63,725.39 | S/ 1,044,144.39 |
| 6.10% | S/ 14,620.65 | S/ 29,459.32 | S/ 44,519.29 | S/ 59,803.83 | S/ 1,040,222.83 |
| 6.20% | S/ 14,855.01 | S/ 29,935.11 | S/ 45,243.69 | S/ 60,784.22 | S/ 1,041,203.22 |
| 5.90% | S/ 14,151.41 | S/ 28,507.09 | S/ 43,069.97 | S/ 57,843.05 | S/ 1,038,262.05 |
| 5.75% | S/ 13,799.05 | S/ 27,792.32 | S/ 41,982.53 | S/ 56,372.47 | S/ 1,036,791.47 |
| 5.70% | S/ 13,681.51 | S/ 27,553.95 | S/ 41,619.97 | S/ 55,882.27 | S/ 1,036,301.27 |
| 5.65% | S/ 13,563.93 | S/ 27,315.52 | S/ 41,257.36 | S/ 55,392.08 | S/ 1,035,811.08 |
| 5.60% | S/ 13,446.31 | S/ 27,077.04 | S/ 40,894.71 | S/ 54,901.88 | S/ 1,035,320.88 |
| 5.50% | S/ 13,210.94 | S/ 26,599.90 | S/ 40,169.28 | S/ 53,921.49 | S/ 1,034,340.49 |
| 5.30% | S/ 12,739.71 | S/ 25,644.96 | S/ 38,717.90 | S/ 51,960.71 | S/ 1,032,379.71 |
| 5.25% | S/ 12,621.79 | S/ 25,406.08 | S/ 38,354.95 | S/ 51,470.52 | S/ 1,031,889.52 |
| 5.05% | S/ 12,149.72 | S/ 24,450.00 | S/ 36,902.71 | S/ 49,509.74 | S/ 1,029,928.74 |
| 5.00% | S/ 12,031.59 | S/ 24,210.84 | S/ 36,539.54 | S/ 49,019.54 | S/ 1,029,438.54 |
| 4.95% | S/ 11,913.43 | S/ 23,971.62 | S/ 36,176.33 | S/ 48,529.35 | S/ 1,028,948.35 |
| 4.75% | S/ 11,440.34 | S/ 23,014.17 | S/ 34,723.05 | S/ 46,568.57 | S/ 1,026,987.57 |
| 4.55% | S/ 10,966.57 | S/ 22,055.81 | S/ 33,269.08 | S/ 44,607.79 | S/ 1,025,026.79 |
| 4.50% | S/ 10,848.02 | S/ 21,816.07 | S/ 32,905.48 | S/ 44,117.59 | S/ 1,024,536.59 |
| 4.40% | S/ 10,610.80 | S/ 21,336.43 | S/ 32,178.15 | S/ 43,137.20 | S/ 1,023,556.20 |
| 4.30% | S/ 10,373.40 | S/ 20,856.56 | S/ 31,450.64 | S/ 42,156.81 | S/ 1,022,575.81 |
| 4.25% | S/ 10,254.64 | S/ 20,616.54 | S/ 31,086.82 | S/ 41,666.62 | S/ 1,022,085.62 |
| 4.20% | S/ 10,135.84 | S/ 20,376.46 | S/ 30,722.96 | S/ 41,176.42 | S/ 1,021,595.42 |
| 4.15% | S/ 10,016.99 | S/ 20,136.33 | S/ 30,359.05 | S/ 40,686.23 | S/ 1,021,105.23 |
| 4.00% | S/ 9,660.20 | S/ 19,415.57 | S/ 29,267.07 | S/ 39,215.64 | S/ 1,019,634.64 |
| 3.90% | S/ 9,422.12 | S/ 18,934.78 | S/ 28,538.87 | S/ 38,235.25 | S/ 1,018,654.25 |
| 3.75% | S/ 9,064.68 | S/ 18,213.16 | S/ 27,446.23 | S/ 36,764.66 | S/ 1,017,183.66 |
| 3.50% | S/ 8,468.08 | S/ 17,009.30 | S/ 25,624.29 | S/ 34,313.69 | S/ 1,014,732.69 |
| 3.00% | S/ 7,271.63 | S/ 14,597.20 | S/ 21,977.10 | S/ 29,411.73 | S/ 1,009,830.73 |
| 2.75% | S/ 6,671.78 | S/ 13,388.96 | S/ 20,151.85 | S/ 26,960.76 | S/ 1,007,379.76 |
| 2.50% | S/ 6,070.83 | S/ 12,179.24 | S/ 18,325.48 | S/ 24,509.78 | S/ 1,004,928.78 |
| 2.00% | S/ 4,865.62 | S/ 9,755.38 | S/ 14,669.41 | S/ 19,607.83 | S/ 1,000,026.83 |
| 1.35% | S/ 3,292.20 | S/ 6,595.46 | S/ 9,909.81 | S/ 13,235.28 | S/ 993,654.28 |
| 1.00% | S/ 2,441.84 | S/ 4,889.76 | S/ 7,343.78 | S/ 9,803.91 | S/ 990,222.91 |
| 0.10% | S/ 245.01 | S/ 490.07 | S/ 735.20 | S/ 980.39 | S/ 981,399.39 |
Sobre los datos
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Para S/ 980,419 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/ 980,419 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.