Cálculo de intereses
Ahorrando S/ 984,940
Veamos que pasaría si Usted ahorrara 984,940 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/ 984,940.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,251.98 | S/ 22,632.51 | S/ 34,143.05 | S/ 45,785.09 | S/ 1,030,725.09 |
| 8.50% | S/ 20,293.52 | S/ 41,005.16 | S/ 62,143.55 | S/ 83,717.46 | S/ 1,068,657.46 |
| 8.00% | S/ 19,133.44 | S/ 38,638.57 | S/ 58,522.61 | S/ 78,792.91 | S/ 1,063,732.91 |
| 7.10% | S/ 17,035.11 | S/ 34,364.86 | S/ 51,994.33 | S/ 69,928.71 | S/ 1,054,868.71 |
| 7.00% | S/ 16,801.15 | S/ 33,888.89 | S/ 51,268.12 | S/ 68,943.80 | S/ 1,053,883.80 |
| 6.50% | S/ 15,628.87 | S/ 31,505.73 | S/ 47,634.53 | S/ 64,019.25 | S/ 1,048,959.25 |
| 6.10% | S/ 14,688.07 | S/ 29,595.17 | S/ 44,724.58 | S/ 60,079.61 | S/ 1,045,019.61 |
| 6.20% | S/ 14,923.52 | S/ 30,073.15 | S/ 45,452.32 | S/ 61,064.52 | S/ 1,046,004.52 |
| 5.90% | S/ 14,216.67 | S/ 28,638.54 | S/ 43,268.58 | S/ 58,109.79 | S/ 1,043,049.79 |
| 5.75% | S/ 13,862.68 | S/ 27,920.47 | S/ 42,176.12 | S/ 56,632.42 | S/ 1,041,572.42 |
| 5.70% | S/ 13,744.60 | S/ 27,681.01 | S/ 41,811.89 | S/ 56,139.96 | S/ 1,041,079.96 |
| 5.65% | S/ 13,626.48 | S/ 27,441.48 | S/ 41,447.61 | S/ 55,647.51 | S/ 1,040,587.51 |
| 5.60% | S/ 13,508.32 | S/ 27,201.90 | S/ 41,083.28 | S/ 55,155.05 | S/ 1,040,095.05 |
| 5.50% | S/ 13,271.86 | S/ 26,722.56 | S/ 40,354.51 | S/ 54,170.14 | S/ 1,039,110.14 |
| 5.30% | S/ 12,798.45 | S/ 25,763.21 | S/ 38,896.44 | S/ 52,200.32 | S/ 1,037,140.32 |
| 5.25% | S/ 12,680.00 | S/ 25,523.23 | S/ 38,531.81 | S/ 51,707.86 | S/ 1,036,647.86 |
| 5.05% | S/ 12,205.74 | S/ 24,562.74 | S/ 37,072.88 | S/ 49,738.04 | S/ 1,034,678.04 |
| 5.00% | S/ 12,087.07 | S/ 24,322.48 | S/ 36,708.04 | S/ 49,245.59 | S/ 1,034,185.59 |
| 4.95% | S/ 11,968.36 | S/ 24,082.16 | S/ 36,343.15 | S/ 48,753.13 | S/ 1,033,693.13 |
| 4.75% | S/ 11,493.09 | S/ 23,120.29 | S/ 34,883.17 | S/ 46,783.31 | S/ 1,031,723.31 |
| 4.55% | S/ 11,017.14 | S/ 22,157.51 | S/ 33,422.50 | S/ 44,813.49 | S/ 1,029,753.49 |
| 4.50% | S/ 10,898.04 | S/ 21,916.67 | S/ 33,057.22 | S/ 44,321.03 | S/ 1,029,261.03 |
| 4.40% | S/ 10,659.73 | S/ 21,434.82 | S/ 32,326.53 | S/ 43,336.12 | S/ 1,028,276.12 |
| 4.30% | S/ 10,421.24 | S/ 20,952.74 | S/ 31,595.67 | S/ 42,351.21 | S/ 1,027,291.21 |
| 4.25% | S/ 10,301.93 | S/ 20,711.61 | S/ 31,230.17 | S/ 41,858.75 | S/ 1,026,798.75 |
| 4.20% | S/ 10,182.58 | S/ 20,470.43 | S/ 30,864.63 | S/ 41,366.30 | S/ 1,026,306.30 |
| 4.15% | S/ 10,063.18 | S/ 20,229.18 | S/ 30,499.05 | S/ 40,873.84 | S/ 1,025,813.84 |
| 4.00% | S/ 9,704.74 | S/ 19,505.10 | S/ 29,402.03 | S/ 39,396.48 | S/ 1,024,336.48 |
| 3.90% | S/ 9,465.56 | S/ 19,022.10 | S/ 28,670.47 | S/ 38,411.56 | S/ 1,023,351.56 |
| 3.75% | S/ 9,106.48 | S/ 18,297.15 | S/ 27,572.79 | S/ 36,934.20 | S/ 1,021,874.20 |
| 3.50% | S/ 8,507.13 | S/ 17,087.73 | S/ 25,742.45 | S/ 34,471.92 | S/ 1,019,411.92 |
| 3.00% | S/ 7,305.17 | S/ 14,664.51 | S/ 22,078.44 | S/ 29,547.36 | S/ 1,014,487.36 |
| 2.75% | S/ 6,702.54 | S/ 13,450.70 | S/ 20,244.77 | S/ 27,085.08 | S/ 1,012,025.08 |
| 2.50% | S/ 6,098.82 | S/ 12,235.40 | S/ 18,409.99 | S/ 24,622.80 | S/ 1,009,562.80 |
| 2.00% | S/ 4,888.05 | S/ 9,800.36 | S/ 14,737.05 | S/ 19,698.24 | S/ 1,004,638.24 |
| 1.35% | S/ 3,307.38 | S/ 6,625.87 | S/ 9,955.50 | S/ 13,296.32 | S/ 998,236.32 |
| 1.00% | S/ 2,453.10 | S/ 4,912.31 | S/ 7,377.65 | S/ 9,849.12 | S/ 994,789.12 |
| 0.10% | S/ 246.14 | S/ 492.33 | S/ 738.59 | S/ 984.91 | S/ 985,924.91 |
Sobre los datos
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Para S/ 984,940 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/ 984,940 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.