Cálculo de intereses
Ahorrando S/ 987,212
Veamos que pasaría si Usted ahorrara 987,212 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/ 987,212.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,277.94 | S/ 22,684.72 | S/ 34,221.81 | S/ 45,890.70 | S/ 1,033,102.70 |
| 8.50% | S/ 20,340.33 | S/ 41,099.75 | S/ 62,286.89 | S/ 83,910.57 | S/ 1,071,122.57 |
| 8.00% | S/ 19,177.58 | S/ 38,727.70 | S/ 58,657.60 | S/ 78,974.66 | S/ 1,066,186.66 |
| 7.10% | S/ 17,074.41 | S/ 34,444.13 | S/ 52,114.27 | S/ 70,090.02 | S/ 1,057,302.02 |
| 7.00% | S/ 16,839.91 | S/ 33,967.07 | S/ 51,386.38 | S/ 69,102.84 | S/ 1,056,314.84 |
| 6.50% | S/ 15,664.92 | S/ 31,578.41 | S/ 47,744.41 | S/ 64,166.93 | S/ 1,051,378.93 |
| 6.10% | S/ 14,721.95 | S/ 29,663.44 | S/ 44,827.75 | S/ 60,218.20 | S/ 1,047,430.20 |
| 6.20% | S/ 14,957.94 | S/ 30,142.52 | S/ 45,557.17 | S/ 61,205.38 | S/ 1,048,417.38 |
| 5.90% | S/ 14,249.46 | S/ 28,704.60 | S/ 43,368.39 | S/ 58,243.83 | S/ 1,045,455.83 |
| 5.75% | S/ 13,894.66 | S/ 27,984.88 | S/ 42,273.41 | S/ 56,763.06 | S/ 1,043,975.06 |
| 5.70% | S/ 13,776.31 | S/ 27,744.86 | S/ 41,908.34 | S/ 56,269.46 | S/ 1,043,481.46 |
| 5.65% | S/ 13,657.91 | S/ 27,504.78 | S/ 41,543.22 | S/ 55,775.87 | S/ 1,042,987.87 |
| 5.60% | S/ 13,539.48 | S/ 27,264.65 | S/ 41,178.05 | S/ 55,282.28 | S/ 1,042,494.28 |
| 5.50% | S/ 13,302.48 | S/ 26,784.21 | S/ 40,447.60 | S/ 54,295.10 | S/ 1,041,507.10 |
| 5.30% | S/ 12,827.98 | S/ 25,822.64 | S/ 38,986.16 | S/ 52,320.73 | S/ 1,039,532.73 |
| 5.25% | S/ 12,709.25 | S/ 25,582.11 | S/ 38,620.70 | S/ 51,827.14 | S/ 1,039,039.14 |
| 5.05% | S/ 12,233.90 | S/ 24,619.40 | S/ 37,158.40 | S/ 49,852.78 | S/ 1,037,064.78 |
| 5.00% | S/ 12,114.96 | S/ 24,378.58 | S/ 36,792.71 | S/ 49,359.18 | S/ 1,036,571.18 |
| 4.95% | S/ 11,995.97 | S/ 24,137.71 | S/ 36,426.98 | S/ 48,865.59 | S/ 1,036,077.59 |
| 4.75% | S/ 11,519.60 | S/ 23,173.63 | S/ 34,963.64 | S/ 46,891.23 | S/ 1,034,103.23 |
| 4.55% | S/ 11,042.55 | S/ 22,208.62 | S/ 33,499.59 | S/ 44,916.86 | S/ 1,032,128.86 |
| 4.50% | S/ 10,923.18 | S/ 21,967.23 | S/ 33,133.47 | S/ 44,423.27 | S/ 1,031,635.27 |
| 4.40% | S/ 10,684.32 | S/ 21,484.27 | S/ 32,401.10 | S/ 43,436.09 | S/ 1,030,648.09 |
| 4.30% | S/ 10,445.28 | S/ 21,001.07 | S/ 31,668.55 | S/ 42,448.90 | S/ 1,029,660.90 |
| 4.25% | S/ 10,325.69 | S/ 20,759.39 | S/ 31,302.21 | S/ 41,955.31 | S/ 1,029,167.31 |
| 4.20% | S/ 10,206.07 | S/ 20,517.65 | S/ 30,935.83 | S/ 41,461.72 | S/ 1,028,673.72 |
| 4.15% | S/ 10,086.40 | S/ 20,275.85 | S/ 30,569.40 | S/ 40,968.13 | S/ 1,028,180.13 |
| 4.00% | S/ 9,727.13 | S/ 19,550.10 | S/ 29,469.85 | S/ 39,487.35 | S/ 1,026,699.35 |
| 3.90% | S/ 9,487.40 | S/ 19,065.97 | S/ 28,736.60 | S/ 38,500.17 | S/ 1,025,712.17 |
| 3.75% | S/ 9,127.48 | S/ 18,339.35 | S/ 27,636.39 | S/ 37,019.39 | S/ 1,024,231.39 |
| 3.50% | S/ 8,526.75 | S/ 17,127.15 | S/ 25,801.83 | S/ 34,551.44 | S/ 1,021,763.44 |
| 3.00% | S/ 7,322.02 | S/ 14,698.34 | S/ 22,129.37 | S/ 29,615.52 | S/ 1,016,827.52 |
| 2.75% | S/ 6,718.00 | S/ 13,481.72 | S/ 20,291.47 | S/ 27,147.56 | S/ 1,014,359.56 |
| 2.50% | S/ 6,112.89 | S/ 12,263.63 | S/ 18,452.45 | S/ 24,679.60 | S/ 1,011,891.60 |
| 2.00% | S/ 4,899.33 | S/ 9,822.97 | S/ 14,771.05 | S/ 19,743.68 | S/ 1,006,955.68 |
| 1.35% | S/ 3,315.01 | S/ 6,641.16 | S/ 9,978.47 | S/ 13,326.99 | S/ 1,000,538.99 |
| 1.00% | S/ 2,458.76 | S/ 4,923.64 | S/ 7,394.67 | S/ 9,871.84 | S/ 997,083.84 |
| 0.10% | S/ 246.70 | S/ 493.47 | S/ 740.30 | S/ 987.18 | S/ 988,199.18 |
Sobre los datos
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Para S/ 987,212 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/ 987,212 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.