Cálculo de intereses
Ahorrando S/ 997,415
Veamos que pasaría si Usted ahorrara 997,415 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/ 997,415.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,394.50 | S/ 22,919.17 | S/ 34,575.50 | S/ 46,364.99 | S/ 1,043,779.99 |
| 8.50% | S/ 20,550.55 | S/ 41,524.52 | S/ 62,930.64 | S/ 84,777.80 | S/ 1,082,192.80 |
| 8.00% | S/ 19,375.78 | S/ 39,127.96 | S/ 59,263.84 | S/ 79,790.88 | S/ 1,077,205.88 |
| 7.10% | S/ 17,250.87 | S/ 34,800.11 | S/ 52,652.88 | S/ 70,814.41 | S/ 1,068,229.41 |
| 7.00% | S/ 17,013.95 | S/ 34,318.12 | S/ 51,917.47 | S/ 69,817.03 | S/ 1,067,232.03 |
| 6.50% | S/ 15,826.82 | S/ 31,904.77 | S/ 48,237.85 | S/ 64,830.10 | S/ 1,062,245.10 |
| 6.10% | S/ 14,874.10 | S/ 29,970.02 | S/ 45,291.05 | S/ 60,840.56 | S/ 1,058,255.56 |
| 6.20% | S/ 15,112.53 | S/ 30,454.05 | S/ 46,028.01 | S/ 61,837.95 | S/ 1,059,252.95 |
| 5.90% | S/ 14,396.73 | S/ 29,001.27 | S/ 43,816.61 | S/ 58,845.79 | S/ 1,056,260.79 |
| 5.75% | S/ 14,038.26 | S/ 28,274.11 | S/ 42,710.32 | S/ 57,349.71 | S/ 1,054,764.71 |
| 5.70% | S/ 13,918.69 | S/ 28,031.61 | S/ 42,341.47 | S/ 56,851.02 | S/ 1,054,266.02 |
| 5.65% | S/ 13,799.07 | S/ 27,789.05 | S/ 41,972.57 | S/ 56,352.33 | S/ 1,053,767.33 |
| 5.60% | S/ 13,679.41 | S/ 27,546.43 | S/ 41,603.64 | S/ 55,853.63 | S/ 1,053,268.63 |
| 5.50% | S/ 13,439.96 | S/ 27,061.03 | S/ 40,865.63 | S/ 54,856.25 | S/ 1,052,271.25 |
| 5.30% | S/ 12,960.56 | S/ 26,089.52 | S/ 39,389.09 | S/ 52,861.48 | S/ 1,050,276.48 |
| 5.25% | S/ 12,840.60 | S/ 25,846.51 | S/ 39,019.85 | S/ 52,362.78 | S/ 1,049,777.78 |
| 5.05% | S/ 12,360.34 | S/ 24,873.85 | S/ 37,542.43 | S/ 50,368.01 | S/ 1,047,783.01 |
| 5.00% | S/ 12,240.17 | S/ 24,630.54 | S/ 37,172.97 | S/ 49,869.32 | S/ 1,047,284.32 |
| 4.95% | S/ 12,119.95 | S/ 24,387.18 | S/ 36,803.46 | S/ 49,370.63 | S/ 1,046,785.63 |
| 4.75% | S/ 11,638.66 | S/ 23,413.13 | S/ 35,324.99 | S/ 47,375.85 | S/ 1,044,790.85 |
| 4.55% | S/ 11,156.68 | S/ 22,438.15 | S/ 33,845.82 | S/ 45,381.08 | S/ 1,042,796.08 |
| 4.50% | S/ 11,036.08 | S/ 22,194.26 | S/ 33,475.91 | S/ 44,882.39 | S/ 1,042,297.39 |
| 4.40% | S/ 10,794.74 | S/ 21,706.31 | S/ 32,735.97 | S/ 43,885.00 | S/ 1,041,300.00 |
| 4.30% | S/ 10,553.23 | S/ 21,218.12 | S/ 31,995.85 | S/ 42,887.62 | S/ 1,040,302.62 |
| 4.25% | S/ 10,432.41 | S/ 20,973.94 | S/ 31,625.73 | S/ 42,388.93 | S/ 1,039,803.93 |
| 4.20% | S/ 10,311.55 | S/ 20,729.70 | S/ 31,255.56 | S/ 41,890.23 | S/ 1,039,305.23 |
| 4.15% | S/ 10,190.64 | S/ 20,485.40 | S/ 30,885.34 | S/ 41,391.54 | S/ 1,038,806.54 |
| 4.00% | S/ 9,827.66 | S/ 19,752.15 | S/ 29,774.43 | S/ 39,895.46 | S/ 1,037,310.46 |
| 3.90% | S/ 9,585.45 | S/ 19,263.02 | S/ 29,033.60 | S/ 38,898.07 | S/ 1,036,313.07 |
| 3.75% | S/ 9,221.82 | S/ 18,528.89 | S/ 27,922.02 | S/ 37,402.00 | S/ 1,034,817.00 |
| 3.50% | S/ 8,614.88 | S/ 17,304.16 | S/ 26,068.50 | S/ 34,908.53 | S/ 1,032,323.53 |
| 3.00% | S/ 7,397.69 | S/ 14,850.25 | S/ 22,358.08 | S/ 29,921.60 | S/ 1,027,336.60 |
| 2.75% | S/ 6,787.44 | S/ 13,621.06 | S/ 20,501.19 | S/ 27,428.13 | S/ 1,024,843.13 |
| 2.50% | S/ 6,176.07 | S/ 12,390.37 | S/ 18,643.16 | S/ 24,934.67 | S/ 1,022,349.67 |
| 2.00% | S/ 4,949.96 | S/ 9,924.49 | S/ 14,923.71 | S/ 19,947.74 | S/ 1,017,362.74 |
| 1.35% | S/ 3,349.27 | S/ 6,709.79 | S/ 10,081.60 | S/ 13,464.72 | S/ 1,010,879.72 |
| 1.00% | S/ 2,484.17 | S/ 4,974.53 | S/ 7,471.09 | S/ 9,973.87 | S/ 1,007,388.87 |
| 0.10% | S/ 249.25 | S/ 498.57 | S/ 747.95 | S/ 997.39 | S/ 998,412.39 |
Sobre los datos
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Para S/ 997,415 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/ 997,415 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.