Ahorrando S/ 970,852
Veamos que pasaría si Usted ahorrara 970,852 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/ 970,852.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,091.04 | S/ 22,308.79 | S/ 33,654.69 | S/ 45,130.21 | S/ 1,015,982.21 |
| 8.50% | S/ 20,003.25 | S/ 40,418.65 | S/ 61,254.68 | S/ 82,520.01 | S/ 1,053,372.01 |
| 8.00% | S/ 18,859.77 | S/ 38,085.91 | S/ 57,685.53 | S/ 77,665.90 | S/ 1,048,517.90 |
| 7.10% | S/ 16,791.45 | S/ 33,873.32 | S/ 51,250.63 | S/ 68,928.49 | S/ 1,039,780.49 |
| 7.00% | S/ 16,560.84 | S/ 33,404.17 | S/ 50,534.81 | S/ 67,957.67 | S/ 1,038,809.67 |
| 6.50% | S/ 15,405.32 | S/ 31,055.09 | S/ 46,953.19 | S/ 63,103.56 | S/ 1,033,955.56 |
| 6.10% | S/ 14,477.98 | S/ 29,171.86 | S/ 44,084.87 | S/ 59,220.26 | S/ 1,030,072.26 |
| 6.20% | S/ 14,710.06 | S/ 29,643.00 | S/ 44,802.20 | S/ 60,191.09 | S/ 1,031,043.09 |
| 5.90% | S/ 14,013.32 | S/ 28,228.91 | S/ 42,649.69 | S/ 57,278.62 | S/ 1,028,130.62 |
| 5.75% | S/ 13,664.40 | S/ 27,521.12 | S/ 41,572.86 | S/ 55,822.38 | S/ 1,026,674.38 |
| 5.70% | S/ 13,548.01 | S/ 27,285.07 | S/ 41,213.84 | S/ 55,336.97 | S/ 1,026,188.97 |
| 5.65% | S/ 13,431.57 | S/ 27,048.97 | S/ 40,854.77 | S/ 54,851.56 | S/ 1,025,703.56 |
| 5.60% | S/ 13,315.10 | S/ 26,812.82 | S/ 40,495.65 | S/ 54,366.15 | S/ 1,025,218.15 |
| 5.50% | S/ 13,082.03 | S/ 26,340.34 | S/ 39,777.30 | S/ 53,395.32 | S/ 1,024,247.32 |
| 5.30% | S/ 12,615.39 | S/ 25,394.71 | S/ 38,340.09 | S/ 51,453.68 | S/ 1,022,305.68 |
| 5.25% | S/ 12,498.63 | S/ 25,158.17 | S/ 37,980.68 | S/ 50,968.27 | S/ 1,021,820.27 |
| 5.05% | S/ 12,031.16 | S/ 24,211.41 | S/ 36,542.61 | S/ 49,026.62 | S/ 1,019,878.62 |
| 5.00% | S/ 11,914.19 | S/ 23,974.58 | S/ 36,182.99 | S/ 48,541.21 | S/ 1,019,393.21 |
| 4.95% | S/ 11,797.17 | S/ 23,737.70 | S/ 35,823.32 | S/ 48,055.80 | S/ 1,018,907.80 |
| 4.75% | S/ 11,328.70 | S/ 22,789.59 | S/ 34,384.22 | S/ 46,114.15 | S/ 1,016,966.15 |
| 4.55% | S/ 10,859.56 | S/ 21,840.58 | S/ 32,944.44 | S/ 44,172.50 | S/ 1,015,024.50 |
| 4.50% | S/ 10,742.17 | S/ 21,603.19 | S/ 32,584.39 | S/ 43,687.09 | S/ 1,014,539.09 |
| 4.40% | S/ 10,507.26 | S/ 21,128.23 | S/ 31,864.15 | S/ 42,716.27 | S/ 1,013,568.27 |
| 4.30% | S/ 10,272.18 | S/ 20,653.04 | S/ 31,143.74 | S/ 41,745.44 | S/ 1,012,597.44 |
| 4.25% | S/ 10,154.58 | S/ 20,415.37 | S/ 30,783.48 | S/ 41,260.03 | S/ 1,012,112.03 |
| 4.20% | S/ 10,036.93 | S/ 20,177.63 | S/ 30,423.16 | S/ 40,774.62 | S/ 1,011,626.62 |
| 4.15% | S/ 9,919.25 | S/ 19,939.84 | S/ 30,062.81 | S/ 40,289.21 | S/ 1,011,141.21 |
| 4.00% | S/ 9,565.93 | S/ 19,226.11 | S/ 28,981.48 | S/ 38,832.97 | S/ 1,009,684.97 |
| 3.90% | S/ 9,330.17 | S/ 18,750.01 | S/ 28,260.38 | S/ 37,862.15 | S/ 1,008,714.15 |
| 3.75% | S/ 8,976.22 | S/ 18,035.43 | S/ 27,178.41 | S/ 36,405.91 | S/ 1,007,257.91 |
| 3.50% | S/ 8,385.45 | S/ 16,843.32 | S/ 25,374.24 | S/ 33,978.85 | S/ 1,004,830.85 |
| 3.00% | S/ 7,200.68 | S/ 14,454.76 | S/ 21,762.65 | S/ 29,124.73 | S/ 999,976.73 |
| 2.75% | S/ 6,606.67 | S/ 13,258.31 | S/ 19,955.20 | S/ 26,697.67 | S/ 997,549.67 |
| 2.50% | S/ 6,011.59 | S/ 12,060.40 | S/ 18,146.66 | S/ 24,270.61 | S/ 995,122.61 |
| 2.00% | S/ 4,818.14 | S/ 9,660.19 | S/ 14,526.26 | S/ 19,416.49 | S/ 990,268.49 |
| 1.35% | S/ 3,260.08 | S/ 6,531.10 | S/ 9,813.11 | S/ 13,106.13 | S/ 983,958.13 |
| 1.00% | S/ 2,418.01 | S/ 4,842.05 | S/ 7,272.12 | S/ 9,708.25 | S/ 980,560.25 |
| 0.10% | S/ 242.62 | S/ 485.29 | S/ 728.03 | S/ 970.82 | S/ 971,822.82 |
Cambiando a dólares para ahorrar
El dólar estadounidense hoy se cotiza (referencialmente) a S/ 3.72. Si deseas cambiar S/ 970,852 obtendrías $260,981.72 dólares, los cuales podrías ponerlos en una cuenta de ahorros o a plazo fijo.
Sobre los datos
-
Para S/ 970,852 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 970,852 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.