Cálculo de intereses
Ahorrando S/ 986,918
Veamos que pasaría si Usted ahorrara 986,918 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/ 986,918.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,274.58 | S/ 22,677.96 | S/ 34,211.62 | S/ 45,877.04 | S/ 1,032,795.04 |
| 8.50% | S/ 20,334.27 | S/ 41,087.51 | S/ 62,268.34 | S/ 83,885.58 | S/ 1,070,803.58 |
| 8.00% | S/ 19,171.87 | S/ 38,716.17 | S/ 58,640.13 | S/ 78,951.14 | S/ 1,065,869.14 |
| 7.10% | S/ 17,069.32 | S/ 34,433.87 | S/ 52,098.75 | S/ 70,069.15 | S/ 1,056,987.15 |
| 7.00% | S/ 16,834.89 | S/ 33,956.95 | S/ 51,371.08 | S/ 69,082.26 | S/ 1,056,000.26 |
| 6.50% | S/ 15,660.25 | S/ 31,569.00 | S/ 47,730.19 | S/ 64,147.82 | S/ 1,051,065.82 |
| 6.10% | S/ 14,717.56 | S/ 29,654.60 | S/ 44,814.40 | S/ 60,200.26 | S/ 1,047,118.26 |
| 6.20% | S/ 14,953.49 | S/ 30,133.54 | S/ 45,543.60 | S/ 61,187.15 | S/ 1,048,105.15 |
| 5.90% | S/ 14,245.22 | S/ 28,696.05 | S/ 43,355.47 | S/ 58,226.48 | S/ 1,045,144.48 |
| 5.75% | S/ 13,890.52 | S/ 27,976.54 | S/ 42,260.82 | S/ 56,746.15 | S/ 1,043,664.15 |
| 5.70% | S/ 13,772.20 | S/ 27,736.60 | S/ 41,895.86 | S/ 56,252.71 | S/ 1,043,170.71 |
| 5.65% | S/ 13,653.85 | S/ 27,496.59 | S/ 41,530.84 | S/ 55,759.26 | S/ 1,042,677.26 |
| 5.60% | S/ 13,535.44 | S/ 27,256.53 | S/ 41,165.79 | S/ 55,265.82 | S/ 1,042,183.82 |
| 5.50% | S/ 13,298.52 | S/ 26,776.23 | S/ 40,435.55 | S/ 54,278.93 | S/ 1,041,196.93 |
| 5.30% | S/ 12,824.16 | S/ 25,814.95 | S/ 38,974.55 | S/ 52,305.15 | S/ 1,039,223.15 |
| 5.25% | S/ 12,705.46 | S/ 25,574.49 | S/ 38,609.20 | S/ 51,811.71 | S/ 1,038,729.71 |
| 5.05% | S/ 12,230.26 | S/ 24,612.07 | S/ 37,147.33 | S/ 49,837.93 | S/ 1,036,755.93 |
| 5.00% | S/ 12,111.35 | S/ 24,371.32 | S/ 36,781.75 | S/ 49,344.48 | S/ 1,036,262.48 |
| 4.95% | S/ 11,992.40 | S/ 24,130.52 | S/ 36,416.14 | S/ 48,851.04 | S/ 1,035,769.04 |
| 4.75% | S/ 11,516.17 | S/ 23,166.73 | S/ 34,953.23 | S/ 46,877.26 | S/ 1,033,795.26 |
| 4.55% | S/ 11,039.26 | S/ 22,202.01 | S/ 33,489.62 | S/ 44,903.48 | S/ 1,031,821.48 |
| 4.50% | S/ 10,919.93 | S/ 21,960.69 | S/ 33,123.61 | S/ 44,410.04 | S/ 1,031,328.04 |
| 4.40% | S/ 10,681.13 | S/ 21,477.87 | S/ 32,391.45 | S/ 43,423.15 | S/ 1,030,341.15 |
| 4.30% | S/ 10,442.17 | S/ 20,994.82 | S/ 31,659.12 | S/ 42,436.26 | S/ 1,029,354.26 |
| 4.25% | S/ 10,322.62 | S/ 20,753.21 | S/ 31,292.89 | S/ 41,942.82 | S/ 1,028,860.82 |
| 4.20% | S/ 10,203.03 | S/ 20,511.54 | S/ 30,926.62 | S/ 41,449.37 | S/ 1,028,367.37 |
| 4.15% | S/ 10,083.39 | S/ 20,269.81 | S/ 30,560.30 | S/ 40,955.93 | S/ 1,027,873.93 |
| 4.00% | S/ 9,724.23 | S/ 19,544.28 | S/ 29,461.08 | S/ 39,475.59 | S/ 1,026,393.59 |
| 3.90% | S/ 9,484.57 | S/ 19,060.30 | S/ 28,728.05 | S/ 38,488.70 | S/ 1,025,406.70 |
| 3.75% | S/ 9,124.76 | S/ 18,333.89 | S/ 27,628.16 | S/ 37,008.37 | S/ 1,023,926.37 |
| 3.50% | S/ 8,524.21 | S/ 17,122.05 | S/ 25,794.15 | S/ 34,541.15 | S/ 1,021,459.15 |
| 3.00% | S/ 7,319.84 | S/ 14,693.96 | S/ 22,122.78 | S/ 29,606.70 | S/ 1,016,524.70 |
| 2.75% | S/ 6,716.00 | S/ 13,477.71 | S/ 20,285.43 | S/ 27,139.47 | S/ 1,014,057.47 |
| 2.50% | S/ 6,111.07 | S/ 12,259.98 | S/ 18,446.96 | S/ 24,672.25 | S/ 1,011,590.25 |
| 2.00% | S/ 4,897.87 | S/ 9,820.05 | S/ 14,766.65 | S/ 19,737.80 | S/ 1,006,655.80 |
| 1.35% | S/ 3,314.02 | S/ 6,639.18 | S/ 9,975.50 | S/ 13,323.02 | S/ 1,000,241.02 |
| 1.00% | S/ 2,458.03 | S/ 4,922.18 | S/ 7,392.46 | S/ 9,868.90 | S/ 996,786.90 |
| 0.10% | S/ 246.63 | S/ 493.32 | S/ 740.08 | S/ 986.89 | S/ 987,904.89 |
Sobre los datos
-
Para S/ 986,918 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 986,918 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
-
En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
-
Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.