Cálculo de intereses
Ahorrando S/ 998,296
Veamos que pasaría si Usted ahorrara 998,296 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/ 998,296.
|
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,404.56 | S/ 22,939.41 | S/ 34,606.04 | S/ 46,405.94 | S/ 1,044,701.94 |
| 8.50% | S/ 20,568.70 | S/ 41,561.20 | S/ 62,986.23 | S/ 84,852.69 | S/ 1,083,148.69 |
| 8.00% | S/ 19,392.90 | S/ 39,162.52 | S/ 59,316.18 | S/ 79,861.36 | S/ 1,078,157.36 |
| 7.10% | S/ 17,266.11 | S/ 34,830.85 | S/ 52,699.38 | S/ 70,876.96 | S/ 1,069,172.96 |
| 7.00% | S/ 17,028.98 | S/ 34,348.43 | S/ 51,963.33 | S/ 69,878.70 | S/ 1,068,174.70 |
| 6.50% | S/ 15,840.80 | S/ 31,932.96 | S/ 48,280.46 | S/ 64,887.37 | S/ 1,063,183.37 |
| 6.10% | S/ 14,887.24 | S/ 29,996.49 | S/ 45,331.05 | S/ 60,894.30 | S/ 1,059,190.30 |
| 6.20% | S/ 15,125.88 | S/ 30,480.95 | S/ 46,068.67 | S/ 61,892.57 | S/ 1,060,188.57 |
| 5.90% | S/ 14,409.45 | S/ 29,026.88 | S/ 43,855.31 | S/ 58,897.77 | S/ 1,057,193.77 |
| 5.75% | S/ 14,050.66 | S/ 28,299.08 | S/ 42,748.04 | S/ 57,400.37 | S/ 1,055,696.37 |
| 5.70% | S/ 13,930.98 | S/ 28,056.37 | S/ 42,378.87 | S/ 56,901.23 | S/ 1,055,197.23 |
| 5.65% | S/ 13,811.26 | S/ 27,813.59 | S/ 42,009.65 | S/ 56,402.10 | S/ 1,054,698.10 |
| 5.60% | S/ 13,691.49 | S/ 27,570.76 | S/ 41,640.38 | S/ 55,902.97 | S/ 1,054,198.97 |
| 5.50% | S/ 13,451.83 | S/ 27,084.93 | S/ 40,901.73 | S/ 54,904.70 | S/ 1,053,200.70 |
| 5.30% | S/ 12,972.00 | S/ 26,112.57 | S/ 39,423.88 | S/ 52,908.17 | S/ 1,051,204.17 |
| 5.25% | S/ 12,851.94 | S/ 25,869.33 | S/ 39,054.31 | S/ 52,409.03 | S/ 1,050,705.03 |
| 5.05% | S/ 12,371.26 | S/ 24,895.82 | S/ 37,575.59 | S/ 50,412.50 | S/ 1,048,708.50 |
| 5.00% | S/ 12,250.98 | S/ 24,652.30 | S/ 37,205.81 | S/ 49,913.37 | S/ 1,048,209.37 |
| 4.95% | S/ 12,130.66 | S/ 24,408.72 | S/ 36,835.97 | S/ 49,414.23 | S/ 1,047,710.23 |
| 4.75% | S/ 11,648.94 | S/ 23,433.81 | S/ 35,356.20 | S/ 47,417.70 | S/ 1,045,713.70 |
| 4.55% | S/ 11,166.53 | S/ 22,457.97 | S/ 33,875.71 | S/ 45,421.17 | S/ 1,043,717.17 |
| 4.50% | S/ 11,045.82 | S/ 22,213.87 | S/ 33,505.48 | S/ 44,922.03 | S/ 1,043,218.03 |
| 4.40% | S/ 10,804.28 | S/ 21,725.48 | S/ 32,764.89 | S/ 43,923.77 | S/ 1,042,219.77 |
| 4.30% | S/ 10,562.55 | S/ 21,236.86 | S/ 32,024.11 | S/ 42,925.50 | S/ 1,041,221.50 |
| 4.25% | S/ 10,441.63 | S/ 20,992.47 | S/ 31,653.66 | S/ 42,426.37 | S/ 1,040,722.37 |
| 4.20% | S/ 10,320.66 | S/ 20,748.01 | S/ 31,283.16 | S/ 41,927.23 | S/ 1,040,223.23 |
| 4.15% | S/ 10,199.64 | S/ 20,503.49 | S/ 30,912.62 | S/ 41,428.10 | S/ 1,039,724.10 |
| 4.00% | S/ 9,836.34 | S/ 19,769.60 | S/ 29,800.73 | S/ 39,930.70 | S/ 1,038,226.70 |
| 3.90% | S/ 9,593.92 | S/ 19,280.04 | S/ 29,059.25 | S/ 38,932.43 | S/ 1,037,228.43 |
| 3.75% | S/ 9,229.96 | S/ 18,545.26 | S/ 27,946.68 | S/ 37,435.03 | S/ 1,035,731.03 |
| 3.50% | S/ 8,622.49 | S/ 17,319.44 | S/ 26,091.52 | S/ 34,939.36 | S/ 1,033,235.36 |
| 3.00% | S/ 7,404.22 | S/ 14,863.37 | S/ 22,377.83 | S/ 29,948.03 | S/ 1,028,244.03 |
| 2.75% | S/ 6,793.43 | S/ 13,633.09 | S/ 20,519.30 | S/ 27,452.36 | S/ 1,025,748.36 |
| 2.50% | S/ 6,181.52 | S/ 12,401.32 | S/ 18,659.63 | S/ 24,956.69 | S/ 1,023,252.69 |
| 2.00% | S/ 4,954.34 | S/ 9,933.26 | S/ 14,936.89 | S/ 19,965.36 | S/ 1,018,261.36 |
| 1.35% | S/ 3,352.23 | S/ 6,715.72 | S/ 10,090.50 | S/ 13,476.62 | S/ 1,011,772.62 |
| 1.00% | S/ 2,486.37 | S/ 4,978.92 | S/ 7,477.69 | S/ 9,982.68 | S/ 1,008,278.68 |
| 0.10% | S/ 249.47 | S/ 499.01 | S/ 748.61 | S/ 998.27 | S/ 999,294.27 |
Sobre los datos
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Para S/ 998,296 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/ 998,296 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.