Cálculo de intereses
Ahorrando S/ 996,812
Veamos que pasaría si Usted ahorrara 996,812 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/ 996,812.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,387.61 | S/ 22,905.31 | S/ 34,554.60 | S/ 46,336.96 | S/ 1,043,148.96 |
| 8.50% | S/ 20,538.13 | S/ 41,499.42 | S/ 62,892.59 | S/ 84,726.55 | S/ 1,081,538.55 |
| 8.00% | S/ 19,364.07 | S/ 39,104.30 | S/ 59,228.01 | S/ 79,742.64 | S/ 1,076,554.64 |
| 7.10% | S/ 17,240.45 | S/ 34,779.07 | S/ 52,621.04 | S/ 70,771.60 | S/ 1,067,583.60 |
| 7.00% | S/ 17,003.66 | S/ 34,297.37 | S/ 51,886.08 | S/ 69,774.82 | S/ 1,066,586.82 |
| 6.50% | S/ 15,817.25 | S/ 31,885.49 | S/ 48,208.69 | S/ 64,790.91 | S/ 1,061,602.91 |
| 6.10% | S/ 14,865.11 | S/ 29,951.90 | S/ 45,263.67 | S/ 60,803.78 | S/ 1,057,615.78 |
| 6.20% | S/ 15,103.40 | S/ 30,435.64 | S/ 46,000.18 | S/ 61,800.56 | S/ 1,058,612.56 |
| 5.90% | S/ 14,388.03 | S/ 28,983.74 | S/ 43,790.12 | S/ 58,810.21 | S/ 1,055,622.21 |
| 5.75% | S/ 14,029.77 | S/ 28,257.01 | S/ 42,684.50 | S/ 57,315.04 | S/ 1,054,127.04 |
| 5.70% | S/ 13,910.27 | S/ 28,014.66 | S/ 42,315.87 | S/ 56,816.65 | S/ 1,053,628.65 |
| 5.65% | S/ 13,790.73 | S/ 27,772.25 | S/ 41,947.20 | S/ 56,318.26 | S/ 1,053,130.26 |
| 5.60% | S/ 13,671.14 | S/ 27,529.78 | S/ 41,578.48 | S/ 55,819.87 | S/ 1,052,631.87 |
| 5.50% | S/ 13,431.84 | S/ 27,044.67 | S/ 40,840.92 | S/ 54,823.08 | S/ 1,051,635.08 |
| 5.30% | S/ 12,952.72 | S/ 26,073.75 | S/ 39,365.28 | S/ 52,829.52 | S/ 1,049,641.52 |
| 5.25% | S/ 12,832.84 | S/ 25,830.88 | S/ 38,996.26 | S/ 52,331.13 | S/ 1,049,143.13 |
| 5.05% | S/ 12,352.87 | S/ 24,858.81 | S/ 37,519.74 | S/ 50,337.56 | S/ 1,047,149.56 |
| 5.00% | S/ 12,232.77 | S/ 24,615.65 | S/ 37,150.50 | S/ 49,839.17 | S/ 1,046,651.17 |
| 4.95% | S/ 12,112.62 | S/ 24,372.43 | S/ 36,781.21 | S/ 49,340.78 | S/ 1,046,152.78 |
| 4.75% | S/ 11,631.62 | S/ 23,398.98 | S/ 35,303.64 | S/ 47,347.21 | S/ 1,044,159.21 |
| 4.55% | S/ 11,149.93 | S/ 22,424.59 | S/ 33,825.36 | S/ 45,353.65 | S/ 1,042,165.65 |
| 4.50% | S/ 11,029.40 | S/ 22,180.85 | S/ 33,455.68 | S/ 44,855.26 | S/ 1,041,667.26 |
| 4.40% | S/ 10,788.21 | S/ 21,693.19 | S/ 32,716.18 | S/ 43,858.47 | S/ 1,040,670.47 |
| 4.30% | S/ 10,546.85 | S/ 21,205.29 | S/ 31,976.51 | S/ 42,861.69 | S/ 1,039,673.69 |
| 4.25% | S/ 10,426.10 | S/ 20,961.26 | S/ 31,606.61 | S/ 42,363.30 | S/ 1,039,175.30 |
| 4.20% | S/ 10,305.31 | S/ 20,717.17 | S/ 31,236.66 | S/ 41,864.91 | S/ 1,038,676.91 |
| 4.15% | S/ 10,184.48 | S/ 20,473.02 | S/ 30,866.67 | S/ 41,366.52 | S/ 1,038,178.52 |
| 4.00% | S/ 9,821.72 | S/ 19,740.21 | S/ 29,756.43 | S/ 39,871.34 | S/ 1,036,683.34 |
| 3.90% | S/ 9,579.66 | S/ 19,251.38 | S/ 29,016.05 | S/ 38,874.56 | S/ 1,035,686.56 |
| 3.75% | S/ 9,216.24 | S/ 18,517.69 | S/ 27,905.14 | S/ 37,379.38 | S/ 1,034,191.38 |
| 3.50% | S/ 8,609.67 | S/ 17,293.70 | S/ 26,052.74 | S/ 34,887.43 | S/ 1,031,699.43 |
| 3.00% | S/ 7,393.22 | S/ 14,841.27 | S/ 22,344.57 | S/ 29,903.51 | S/ 1,026,715.51 |
| 2.75% | S/ 6,783.33 | S/ 13,612.83 | S/ 20,488.79 | S/ 27,411.55 | S/ 1,024,223.55 |
| 2.50% | S/ 6,172.33 | S/ 12,382.88 | S/ 18,631.89 | S/ 24,919.59 | S/ 1,021,731.59 |
| 2.00% | S/ 4,946.97 | S/ 9,918.49 | S/ 14,914.69 | S/ 19,935.68 | S/ 1,016,747.68 |
| 1.35% | S/ 3,347.25 | S/ 6,705.74 | S/ 10,075.50 | S/ 13,456.58 | S/ 1,010,268.58 |
| 1.00% | S/ 2,482.67 | S/ 4,971.52 | S/ 7,466.57 | S/ 9,967.84 | S/ 1,006,779.84 |
| 0.10% | S/ 249.10 | S/ 498.27 | S/ 747.49 | S/ 996.78 | S/ 997,808.78 |
Sobre los datos
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Para S/ 996,812 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/ 996,812 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.