viernes, 2 de enero de 2009

Cómo calcular tú mismo los intereses que te da el banco al contratar cualquier cuenta.

Fórmula para calcular los intereses de cualquier cuenta o depósito.

Por ejemplo, una cuenta que ofrece el 10% TAE a un mes.

Pasos:
- Busca el dato del tipo de interés nominal, que será realmente sobre el que se calculen los intereses. Pongamos por ejemplo que es el 9,57% nominal anual.
- Al ser un tipo de interés, expresado en porcentaje, hay que dividir esa cantidad entre 100. Y ese valor lo multiplicaremos por el dinero que queremos invertir en esa cuenta o depósito. Suponiendo que quisiéramos meter 6000 euros, el cálculo sería 6000*0,0957= 574,2 euros.
- Como el depósito es a un mes, y el tipo de interés que nos dan es anual, debemos dividir esa cantidad entre 12 (porque son 12 meses lo que tiene un año): 574,2 / 12 = 47,85 euros.
- Por último, si se quiere tener también en cuenta la retención que por motivo del IRPF hará hacienda, y sabiendo que ésta suele ser de un 18%; el cálculo que se debe hacer es multiplicar la cantidad que teníamos hasta ahora por (1-0,18). (El 0,18 sale de dividir 18 entre 100, por tratarse de un porcentaje). Eso daría: 47,85*0,82= 39,24 euros.

En resumen, invirtiendo 6000 euros a una cuenta o depósito al 10% TAE durante un mes, obtendríamos la cantidad de 39,24 euros netos, con una cantidad retenida por hacienda de 8,61 euros.

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