Cálculo de intereses
Ahorrando S/ 997,861
Veamos que pasaría si Usted ahorrara 997,861 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/ 997,861.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,399.59 | S/ 22,929.42 | S/ 34,590.96 | S/ 46,385.72 | S/ 1,044,246.72 |
| 8.50% | S/ 20,559.74 | S/ 41,543.09 | S/ 62,958.78 | S/ 84,815.71 | S/ 1,082,676.71 |
| 8.00% | S/ 19,384.45 | S/ 39,145.45 | S/ 59,290.34 | S/ 79,826.56 | S/ 1,077,687.56 |
| 7.10% | S/ 17,258.59 | S/ 34,815.67 | S/ 52,676.42 | S/ 70,846.08 | S/ 1,068,707.08 |
| 7.00% | S/ 17,021.56 | S/ 34,333.47 | S/ 51,940.68 | S/ 69,848.25 | S/ 1,067,709.25 |
| 6.50% | S/ 15,833.90 | S/ 31,919.04 | S/ 48,259.42 | S/ 64,859.09 | S/ 1,062,720.09 |
| 6.10% | S/ 14,880.75 | S/ 29,983.42 | S/ 45,311.30 | S/ 60,867.77 | S/ 1,058,728.77 |
| 6.20% | S/ 15,119.29 | S/ 30,467.66 | S/ 46,048.59 | S/ 61,865.60 | S/ 1,059,726.60 |
| 5.90% | S/ 14,403.17 | S/ 29,014.24 | S/ 43,836.20 | S/ 58,872.10 | S/ 1,056,733.10 |
| 5.75% | S/ 14,044.54 | S/ 28,286.75 | S/ 42,729.42 | S/ 57,375.36 | S/ 1,055,236.36 |
| 5.70% | S/ 13,924.91 | S/ 28,044.14 | S/ 42,360.40 | S/ 56,876.44 | S/ 1,054,737.44 |
| 5.65% | S/ 13,805.24 | S/ 27,801.47 | S/ 41,991.34 | S/ 56,377.52 | S/ 1,054,238.52 |
| 5.60% | S/ 13,685.53 | S/ 27,558.75 | S/ 41,622.24 | S/ 55,878.61 | S/ 1,053,739.61 |
| 5.50% | S/ 13,445.97 | S/ 27,073.13 | S/ 40,883.90 | S/ 54,880.78 | S/ 1,052,741.78 |
| 5.30% | S/ 12,966.35 | S/ 26,101.19 | S/ 39,406.71 | S/ 52,885.11 | S/ 1,050,746.11 |
| 5.25% | S/ 12,846.34 | S/ 25,858.06 | S/ 39,037.30 | S/ 52,386.20 | S/ 1,050,247.20 |
| 5.05% | S/ 12,365.87 | S/ 24,884.97 | S/ 37,559.22 | S/ 50,390.53 | S/ 1,048,251.53 |
| 5.00% | S/ 12,245.64 | S/ 24,641.56 | S/ 37,189.59 | S/ 49,891.62 | S/ 1,047,752.62 |
| 4.95% | S/ 12,125.37 | S/ 24,398.08 | S/ 36,819.92 | S/ 49,392.70 | S/ 1,047,253.70 |
| 4.75% | S/ 11,643.86 | S/ 23,423.60 | S/ 35,340.79 | S/ 47,397.04 | S/ 1,045,258.04 |
| 4.55% | S/ 11,161.67 | S/ 22,448.19 | S/ 33,860.95 | S/ 45,401.38 | S/ 1,043,262.38 |
| 4.50% | S/ 11,041.01 | S/ 22,204.19 | S/ 33,490.88 | S/ 44,902.46 | S/ 1,042,763.46 |
| 4.40% | S/ 10,799.57 | S/ 21,716.02 | S/ 32,750.61 | S/ 43,904.63 | S/ 1,041,765.63 |
| 4.30% | S/ 10,557.95 | S/ 21,227.61 | S/ 32,010.16 | S/ 42,906.80 | S/ 1,040,767.80 |
| 4.25% | S/ 10,437.08 | S/ 20,983.32 | S/ 31,639.87 | S/ 42,407.88 | S/ 1,040,268.88 |
| 4.20% | S/ 10,316.16 | S/ 20,738.97 | S/ 31,269.53 | S/ 41,908.96 | S/ 1,039,769.96 |
| 4.15% | S/ 10,195.20 | S/ 20,494.56 | S/ 30,899.15 | S/ 41,410.05 | S/ 1,039,271.05 |
| 4.00% | S/ 9,832.05 | S/ 19,760.98 | S/ 29,787.74 | S/ 39,913.30 | S/ 1,037,774.30 |
| 3.90% | S/ 9,589.74 | S/ 19,271.64 | S/ 29,046.58 | S/ 38,915.47 | S/ 1,036,776.47 |
| 3.75% | S/ 9,225.94 | S/ 18,537.18 | S/ 27,934.51 | S/ 37,418.72 | S/ 1,035,279.72 |
| 3.50% | S/ 8,618.73 | S/ 17,311.90 | S/ 26,080.15 | S/ 34,924.14 | S/ 1,032,785.14 |
| 3.00% | S/ 7,401.00 | S/ 14,856.89 | S/ 22,368.08 | S/ 29,934.98 | S/ 1,027,795.98 |
| 2.75% | S/ 6,790.47 | S/ 13,627.15 | S/ 20,510.35 | S/ 27,440.40 | S/ 1,025,301.40 |
| 2.50% | S/ 6,178.83 | S/ 12,395.91 | S/ 18,651.50 | S/ 24,945.82 | S/ 1,022,806.82 |
| 2.00% | S/ 4,952.18 | S/ 9,928.93 | S/ 14,930.38 | S/ 19,956.66 | S/ 1,017,817.66 |
| 1.35% | S/ 3,350.77 | S/ 6,712.79 | S/ 10,086.10 | S/ 13,470.74 | S/ 1,011,331.74 |
| 1.00% | S/ 2,485.28 | S/ 4,976.75 | S/ 7,474.43 | S/ 9,978.33 | S/ 1,007,839.33 |
| 0.10% | S/ 249.36 | S/ 498.79 | S/ 748.28 | S/ 997.83 | S/ 998,858.83 |
Sobre los datos
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Para S/ 997,861 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/ 997,861 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.