Ahorrando S/ 959,000
Veamos que pasaría si Usted ahorrara 959,000 soles a plazo fijo en diferentes bancos o financieras.
En la actualidad (*2024) 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/ 959,000.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 10,955.65 | S/ 22,036.45 | S/ 33,243.84 | S/ 44,579.26 | S/ 1,003,579.26 |
| 8.50% | S/ 19,759.06 | S/ 39,925.23 | S/ 60,506.89 | S/ 81,512.62 | S/ 1,040,512.62 |
| 8.00% | S/ 18,629.53 | S/ 37,620.96 | S/ 56,981.32 | S/ 76,717.77 | S/ 1,035,717.77 |
| 7.10% | S/ 16,586.46 | S/ 33,459.80 | S/ 50,624.97 | S/ 68,087.03 | S/ 1,027,087.03 |
| 7.00% | S/ 16,358.66 | S/ 32,996.37 | S/ 49,917.89 | S/ 67,128.06 | S/ 1,026,128.06 |
| 6.50% | S/ 15,217.26 | S/ 30,675.98 | S/ 46,379.99 | S/ 62,333.20 | S/ 1,021,333.20 |
| 6.10% | S/ 14,301.23 | S/ 28,815.73 | S/ 43,546.68 | S/ 58,497.31 | S/ 1,017,497.31 |
| 6.20% | S/ 14,530.48 | S/ 29,281.12 | S/ 44,255.26 | S/ 59,456.28 | S/ 1,018,456.28 |
| 5.90% | S/ 13,842.25 | S/ 27,884.30 | S/ 42,129.03 | S/ 56,579.37 | S/ 1,015,579.37 |
| 5.75% | S/ 13,497.58 | S/ 27,185.14 | S/ 41,065.35 | S/ 55,140.91 | S/ 1,014,140.91 |
| 5.70% | S/ 13,382.61 | S/ 26,951.98 | S/ 40,710.70 | S/ 54,661.43 | S/ 1,013,661.43 |
| 5.65% | S/ 13,267.60 | S/ 26,718.76 | S/ 40,356.02 | S/ 54,181.94 | S/ 1,013,181.94 |
| 5.60% | S/ 13,152.55 | S/ 26,485.49 | S/ 40,001.29 | S/ 53,702.45 | S/ 1,012,702.45 |
| 5.50% | S/ 12,922.33 | S/ 26,018.78 | S/ 39,291.71 | S/ 52,743.48 | S/ 1,011,743.48 |
| 5.30% | S/ 12,461.39 | S/ 25,084.70 | S/ 37,872.04 | S/ 50,825.54 | S/ 1,009,825.54 |
| 5.25% | S/ 12,346.05 | S/ 24,851.04 | S/ 37,517.02 | S/ 50,346.05 | S/ 1,009,346.05 |
| 5.05% | S/ 11,884.29 | S/ 23,915.84 | S/ 36,096.50 | S/ 48,428.11 | S/ 1,007,428.11 |
| 5.00% | S/ 11,768.74 | S/ 23,681.91 | S/ 35,741.27 | S/ 47,948.62 | S/ 1,006,948.62 |
| 4.95% | S/ 11,653.16 | S/ 23,447.91 | S/ 35,385.99 | S/ 47,469.14 | S/ 1,006,469.14 |
| 4.75% | S/ 11,190.40 | S/ 22,511.38 | S/ 33,964.47 | S/ 45,551.19 | S/ 1,004,551.19 |
| 4.55% | S/ 10,726.99 | S/ 21,573.96 | S/ 32,542.26 | S/ 43,633.25 | S/ 1,002,633.25 |
| 4.50% | S/ 10,611.03 | S/ 21,339.46 | S/ 32,186.60 | S/ 43,153.76 | S/ 1,002,153.76 |
| 4.40% | S/ 10,378.99 | S/ 20,870.30 | S/ 31,475.16 | S/ 42,194.79 | S/ 1,001,194.79 |
| 4.30% | S/ 10,146.78 | S/ 20,400.91 | S/ 30,763.55 | S/ 41,235.82 | S/ 1,000,235.82 |
| 4.25% | S/ 10,030.61 | S/ 20,166.14 | S/ 30,407.68 | S/ 40,756.33 | S/ 999,756.33 |
| 4.20% | S/ 9,914.40 | S/ 19,931.30 | S/ 30,051.76 | S/ 40,276.85 | S/ 999,276.85 |
| 4.15% | S/ 9,798.15 | S/ 19,696.41 | S/ 29,695.81 | S/ 39,797.36 | S/ 998,797.36 |
| 4.00% | S/ 9,449.15 | S/ 18,991.41 | S/ 28,627.68 | S/ 38,358.90 | S/ 997,358.90 |
| 3.90% | S/ 9,216.27 | S/ 18,521.12 | S/ 27,915.38 | S/ 37,399.93 | S/ 996,399.93 |
| 3.75% | S/ 8,866.64 | S/ 17,815.26 | S/ 26,846.62 | S/ 35,961.47 | S/ 994,961.47 |
| 3.50% | S/ 8,283.08 | S/ 16,637.70 | S/ 25,064.48 | S/ 33,564.04 | S/ 992,564.04 |
| 3.00% | S/ 7,112.77 | S/ 14,278.30 | S/ 21,496.97 | S/ 28,769.18 | S/ 987,769.18 |
| 2.75% | S/ 6,526.02 | S/ 13,096.45 | S/ 19,711.59 | S/ 26,371.75 | S/ 985,371.75 |
| 2.50% | S/ 5,938.20 | S/ 11,913.16 | S/ 17,925.13 | S/ 23,974.32 | S/ 982,974.32 |
| 2.00% | S/ 4,759.32 | S/ 9,542.26 | S/ 14,348.93 | S/ 19,179.46 | S/ 978,179.46 |
| 1.35% | S/ 3,220.28 | S/ 6,451.37 | S/ 9,693.31 | S/ 12,946.14 | S/ 971,946.14 |
| 1.00% | S/ 2,388.49 | S/ 4,782.94 | S/ 7,183.34 | S/ 9,589.73 | S/ 968,589.73 |
| 0.10% | S/ 239.65 | S/ 479.37 | S/ 719.14 | S/ 958.97 | S/ 959,958.97 |
Cambiando a dólares para ahorrar
El dólar estadounidense hoy se cotiza (referencialmente) a S/ 3.75. Si deseas cambiar S/ 959,000 obtendrías $255,733.33 dólares, los cuales podrías ponerlos en una cuenta de ahorros o a plazo fijo.
Sobre los datos
-
Para S/ 959,000 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 959,000 no incluye el Impuesto a las Transacciones Financieras (ITF) del 0.005%.
-
En los datos la apróximación y el redondeo decimal podrían variar a los mismos cálculos de su entidad financiera.
-
Las tasas TEA aplicadas en esta página son reales de algunos bancos y financieras.