Cálculo de intereses
Ahorrando S/ 995,067
Veamos que pasaría si Usted ahorrara 995,067 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/ 995,067.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,367.68 | S/ 22,865.22 | S/ 34,494.11 | S/ 46,255.84 | S/ 1,041,322.84 |
| 8.50% | S/ 20,502.17 | S/ 41,426.77 | S/ 62,782.50 | S/ 84,578.23 | S/ 1,079,645.23 |
| 8.00% | S/ 19,330.17 | S/ 39,035.85 | S/ 59,124.33 | S/ 79,603.04 | S/ 1,074,670.04 |
| 7.10% | S/ 17,210.26 | S/ 34,718.19 | S/ 52,528.93 | S/ 70,647.71 | S/ 1,065,714.71 |
| 7.00% | S/ 16,973.90 | S/ 34,237.33 | S/ 51,795.25 | S/ 69,652.67 | S/ 1,064,719.67 |
| 6.50% | S/ 15,789.56 | S/ 31,829.67 | S/ 48,124.30 | S/ 64,677.49 | S/ 1,059,744.49 |
| 6.10% | S/ 14,839.09 | S/ 29,899.46 | S/ 45,184.43 | S/ 60,697.34 | S/ 1,055,764.34 |
| 6.20% | S/ 15,076.96 | S/ 30,382.36 | S/ 45,919.66 | S/ 61,692.37 | S/ 1,056,759.37 |
| 5.90% | S/ 14,362.84 | S/ 28,933.00 | S/ 43,713.46 | S/ 58,707.26 | S/ 1,053,774.26 |
| 5.75% | S/ 14,005.21 | S/ 28,207.55 | S/ 42,609.77 | S/ 57,214.71 | S/ 1,052,281.71 |
| 5.70% | S/ 13,885.92 | S/ 27,965.62 | S/ 42,241.79 | S/ 56,717.19 | S/ 1,051,784.19 |
| 5.65% | S/ 13,766.59 | S/ 27,723.63 | S/ 41,873.77 | S/ 56,219.67 | S/ 1,051,286.67 |
| 5.60% | S/ 13,647.21 | S/ 27,481.58 | S/ 41,505.70 | S/ 55,722.15 | S/ 1,050,789.15 |
| 5.50% | S/ 13,408.32 | S/ 26,997.32 | S/ 40,769.43 | S/ 54,727.11 | S/ 1,049,794.11 |
| 5.30% | S/ 12,930.05 | S/ 26,028.11 | S/ 39,296.37 | S/ 52,737.04 | S/ 1,047,804.04 |
| 5.25% | S/ 12,810.37 | S/ 25,785.66 | S/ 38,927.99 | S/ 52,239.52 | S/ 1,047,306.52 |
| 5.05% | S/ 12,331.24 | S/ 24,815.29 | S/ 37,454.06 | S/ 50,249.44 | S/ 1,045,316.44 |
| 5.00% | S/ 12,211.35 | S/ 24,572.56 | S/ 37,085.46 | S/ 49,751.92 | S/ 1,044,818.92 |
| 4.95% | S/ 12,091.42 | S/ 24,329.77 | S/ 36,716.82 | S/ 49,254.40 | S/ 1,044,321.40 |
| 4.75% | S/ 11,611.26 | S/ 23,358.01 | S/ 35,241.84 | S/ 47,264.33 | S/ 1,042,331.33 |
| 4.55% | S/ 11,130.42 | S/ 22,385.33 | S/ 33,766.14 | S/ 45,274.25 | S/ 1,040,341.25 |
| 4.50% | S/ 11,010.10 | S/ 22,142.02 | S/ 33,397.11 | S/ 44,776.73 | S/ 1,039,843.73 |
| 4.40% | S/ 10,769.33 | S/ 21,655.21 | S/ 32,658.91 | S/ 43,781.70 | S/ 1,038,848.70 |
| 4.30% | S/ 10,528.39 | S/ 21,168.17 | S/ 31,920.53 | S/ 42,786.66 | S/ 1,037,853.66 |
| 4.25% | S/ 10,407.85 | S/ 20,924.57 | S/ 31,551.28 | S/ 42,289.14 | S/ 1,037,356.14 |
| 4.20% | S/ 10,287.27 | S/ 20,680.90 | S/ 31,181.98 | S/ 41,791.62 | S/ 1,036,858.62 |
| 4.15% | S/ 10,166.65 | S/ 20,437.18 | S/ 30,812.63 | S/ 41,294.10 | S/ 1,036,361.10 |
| 4.00% | S/ 9,804.52 | S/ 19,705.65 | S/ 29,704.34 | S/ 39,801.54 | S/ 1,034,868.54 |
| 3.90% | S/ 9,562.89 | S/ 19,217.68 | S/ 28,965.25 | S/ 38,806.51 | S/ 1,033,873.51 |
| 3.75% | S/ 9,200.11 | S/ 18,485.27 | S/ 27,856.29 | S/ 37,313.95 | S/ 1,032,380.95 |
| 3.50% | S/ 8,594.60 | S/ 17,263.42 | S/ 26,007.13 | S/ 34,826.35 | S/ 1,029,893.35 |
| 3.00% | S/ 7,380.28 | S/ 14,815.29 | S/ 22,305.45 | S/ 29,851.16 | S/ 1,024,918.16 |
| 2.75% | S/ 6,771.46 | S/ 13,588.99 | S/ 20,452.93 | S/ 27,363.57 | S/ 1,022,430.57 |
| 2.50% | S/ 6,161.53 | S/ 12,361.21 | S/ 18,599.27 | S/ 24,875.97 | S/ 1,019,942.97 |
| 2.00% | S/ 4,938.31 | S/ 9,901.13 | S/ 14,888.58 | S/ 19,900.78 | S/ 1,014,967.78 |
| 1.35% | S/ 3,341.39 | S/ 6,694.00 | S/ 10,057.86 | S/ 13,433.03 | S/ 1,008,500.03 |
| 1.00% | S/ 2,478.32 | S/ 4,962.82 | S/ 7,453.50 | S/ 9,950.39 | S/ 1,005,017.39 |
| 0.10% | S/ 248.67 | S/ 497.40 | S/ 746.19 | S/ 995.04 | S/ 996,062.04 |
Sobre los datos
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Para S/ 995,067 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/ 995,067 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.