Cálculo de intereses
Ahorrando S/ 991,442
Veamos que pasaría si Usted ahorrara 991,442 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/ 991,442.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,326.26 | S/ 22,781.92 | S/ 34,368.44 | S/ 46,087.34 | S/ 1,037,529.34 |
| 8.50% | S/ 20,427.49 | S/ 41,275.86 | S/ 62,553.78 | S/ 84,270.11 | S/ 1,075,712.11 |
| 8.00% | S/ 19,259.75 | S/ 38,893.64 | S/ 58,908.94 | S/ 79,313.05 | S/ 1,070,755.05 |
| 7.10% | S/ 17,147.57 | S/ 34,591.71 | S/ 52,337.57 | S/ 70,390.34 | S/ 1,061,832.34 |
| 7.00% | S/ 16,912.06 | S/ 34,112.61 | S/ 51,606.56 | S/ 69,398.93 | S/ 1,060,840.93 |
| 6.50% | S/ 15,732.04 | S/ 31,713.71 | S/ 47,948.98 | S/ 64,441.87 | S/ 1,055,883.87 |
| 6.10% | S/ 14,785.03 | S/ 29,790.54 | S/ 45,019.82 | S/ 60,476.22 | S/ 1,051,918.22 |
| 6.20% | S/ 15,022.03 | S/ 30,271.67 | S/ 45,752.37 | S/ 61,467.63 | S/ 1,052,909.63 |
| 5.90% | S/ 14,310.52 | S/ 28,827.59 | S/ 43,554.21 | S/ 58,493.39 | S/ 1,049,935.39 |
| 5.75% | S/ 13,954.19 | S/ 28,104.79 | S/ 42,454.55 | S/ 57,006.27 | S/ 1,048,448.27 |
| 5.70% | S/ 13,835.34 | S/ 27,863.74 | S/ 42,087.91 | S/ 56,510.57 | S/ 1,047,952.57 |
| 5.65% | S/ 13,716.43 | S/ 27,622.63 | S/ 41,721.22 | S/ 56,014.86 | S/ 1,047,456.86 |
| 5.60% | S/ 13,597.49 | S/ 27,381.47 | S/ 41,354.49 | S/ 55,519.15 | S/ 1,046,961.15 |
| 5.50% | S/ 13,359.48 | S/ 26,898.97 | S/ 40,620.91 | S/ 54,527.74 | S/ 1,045,969.74 |
| 5.30% | S/ 12,882.94 | S/ 25,933.29 | S/ 39,153.21 | S/ 52,544.92 | S/ 1,043,986.92 |
| 5.25% | S/ 12,763.70 | S/ 25,691.72 | S/ 38,786.18 | S/ 52,049.21 | S/ 1,043,491.21 |
| 5.05% | S/ 12,286.32 | S/ 24,724.89 | S/ 37,317.61 | S/ 50,066.38 | S/ 1,041,508.38 |
| 5.00% | S/ 12,166.87 | S/ 24,483.04 | S/ 36,950.36 | S/ 49,570.68 | S/ 1,041,012.68 |
| 4.95% | S/ 12,047.37 | S/ 24,241.13 | S/ 36,583.07 | S/ 49,074.97 | S/ 1,040,516.97 |
| 4.75% | S/ 11,568.96 | S/ 23,272.92 | S/ 35,113.45 | S/ 47,092.15 | S/ 1,038,534.15 |
| 4.55% | S/ 11,089.87 | S/ 22,303.78 | S/ 33,643.13 | S/ 45,109.32 | S/ 1,036,551.32 |
| 4.50% | S/ 10,969.99 | S/ 22,061.35 | S/ 33,275.44 | S/ 44,613.61 | S/ 1,036,055.61 |
| 4.40% | S/ 10,730.10 | S/ 21,576.32 | S/ 32,539.93 | S/ 43,622.20 | S/ 1,035,064.20 |
| 4.30% | S/ 10,490.03 | S/ 21,091.06 | S/ 31,804.25 | S/ 42,630.79 | S/ 1,034,072.79 |
| 4.25% | S/ 10,369.94 | S/ 20,848.34 | S/ 31,436.34 | S/ 42,135.08 | S/ 1,033,577.08 |
| 4.20% | S/ 10,249.80 | S/ 20,605.56 | S/ 31,068.38 | S/ 41,639.37 | S/ 1,033,081.37 |
| 4.15% | S/ 10,129.61 | S/ 20,362.72 | S/ 30,700.39 | S/ 41,143.67 | S/ 1,032,585.67 |
| 4.00% | S/ 9,768.81 | S/ 19,633.87 | S/ 29,596.13 | S/ 39,656.55 | S/ 1,031,098.55 |
| 3.90% | S/ 9,528.05 | S/ 19,147.67 | S/ 28,859.73 | S/ 38,665.13 | S/ 1,030,107.13 |
| 3.75% | S/ 9,166.59 | S/ 18,417.93 | S/ 27,754.81 | S/ 37,178.01 | S/ 1,028,620.01 |
| 3.50% | S/ 8,563.29 | S/ 17,200.53 | S/ 25,912.39 | S/ 34,699.48 | S/ 1,026,141.48 |
| 3.00% | S/ 7,353.39 | S/ 14,761.32 | S/ 22,224.19 | S/ 29,742.41 | S/ 1,021,184.41 |
| 2.75% | S/ 6,746.79 | S/ 13,539.49 | S/ 20,378.42 | S/ 27,263.88 | S/ 1,018,705.88 |
| 2.50% | S/ 6,139.08 | S/ 12,316.17 | S/ 18,531.52 | S/ 24,785.35 | S/ 1,016,227.35 |
| 2.00% | S/ 4,920.32 | S/ 9,865.06 | S/ 14,834.34 | S/ 19,828.28 | S/ 1,011,270.28 |
| 1.35% | S/ 3,329.22 | S/ 6,669.61 | S/ 10,021.22 | S/ 13,384.09 | S/ 1,004,826.09 |
| 1.00% | S/ 2,469.29 | S/ 4,944.74 | S/ 7,426.35 | S/ 9,914.14 | S/ 1,001,356.14 |
| 0.10% | S/ 247.76 | S/ 495.58 | S/ 743.47 | S/ 991.41 | S/ 992,433.41 |
Sobre los datos
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Para S/ 991,442 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/ 991,442 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.