Ahorrando S/ 971,000
Veamos que pasaría si Usted ahorrara 971,000 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/ 971,000.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,092.73 | S/ 22,312.19 | S/ 33,659.82 | S/ 45,137.09 | S/ 1,016,137.09 |
| 8.50% | S/ 20,006.30 | S/ 40,424.81 | S/ 61,264.02 | S/ 82,532.59 | S/ 1,053,532.59 |
| 8.00% | S/ 18,862.64 | S/ 38,091.71 | S/ 57,694.33 | S/ 77,677.74 | S/ 1,048,677.74 |
| 7.10% | S/ 16,794.01 | S/ 33,878.49 | S/ 51,258.45 | S/ 68,939.00 | S/ 1,039,939.00 |
| 7.00% | S/ 16,563.36 | S/ 33,409.26 | S/ 50,542.52 | S/ 67,968.03 | S/ 1,038,968.03 |
| 6.50% | S/ 15,407.67 | S/ 31,059.83 | S/ 46,960.35 | S/ 63,113.18 | S/ 1,034,113.18 |
| 6.10% | S/ 14,480.18 | S/ 29,176.31 | S/ 44,091.59 | S/ 59,229.29 | S/ 1,030,229.29 |
| 6.20% | S/ 14,712.30 | S/ 29,647.52 | S/ 44,809.03 | S/ 60,200.26 | S/ 1,031,200.26 |
| 5.90% | S/ 14,015.46 | S/ 28,233.21 | S/ 42,656.19 | S/ 57,287.35 | S/ 1,028,287.35 |
| 5.75% | S/ 13,666.48 | S/ 27,525.31 | S/ 41,579.20 | S/ 55,830.89 | S/ 1,026,830.89 |
| 5.70% | S/ 13,550.07 | S/ 27,289.23 | S/ 41,220.12 | S/ 55,345.41 | S/ 1,026,345.41 |
| 5.65% | S/ 13,433.62 | S/ 27,053.10 | S/ 40,860.99 | S/ 54,859.92 | S/ 1,025,859.92 |
| 5.60% | S/ 13,317.13 | S/ 26,816.91 | S/ 40,501.83 | S/ 54,374.44 | S/ 1,025,374.44 |
| 5.50% | S/ 13,084.03 | S/ 26,344.36 | S/ 39,783.37 | S/ 53,403.46 | S/ 1,024,403.46 |
| 5.30% | S/ 12,617.32 | S/ 25,398.58 | S/ 38,345.93 | S/ 51,461.52 | S/ 1,022,461.52 |
| 5.25% | S/ 12,500.53 | S/ 25,162.00 | S/ 37,986.47 | S/ 50,976.04 | S/ 1,021,976.04 |
| 5.05% | S/ 12,032.99 | S/ 24,215.10 | S/ 36,548.18 | S/ 49,034.09 | S/ 1,020,034.09 |
| 5.00% | S/ 11,916.00 | S/ 23,978.24 | S/ 36,188.50 | S/ 48,548.61 | S/ 1,019,548.61 |
| 4.95% | S/ 11,798.97 | S/ 23,741.32 | S/ 35,828.78 | S/ 48,063.12 | S/ 1,019,063.12 |
| 4.75% | S/ 11,330.43 | S/ 22,793.07 | S/ 34,389.47 | S/ 46,121.18 | S/ 1,017,121.18 |
| 4.55% | S/ 10,861.21 | S/ 21,843.91 | S/ 32,949.46 | S/ 44,179.24 | S/ 1,015,179.24 |
| 4.50% | S/ 10,743.80 | S/ 21,606.48 | S/ 32,589.36 | S/ 43,693.75 | S/ 1,014,693.75 |
| 4.40% | S/ 10,508.86 | S/ 21,131.45 | S/ 31,869.01 | S/ 42,722.78 | S/ 1,013,722.78 |
| 4.30% | S/ 10,273.75 | S/ 20,656.19 | S/ 31,148.49 | S/ 41,751.81 | S/ 1,012,751.81 |
| 4.25% | S/ 10,156.12 | S/ 20,418.48 | S/ 30,788.17 | S/ 41,266.32 | S/ 1,012,266.32 |
| 4.20% | S/ 10,038.46 | S/ 20,180.71 | S/ 30,427.80 | S/ 40,780.83 | S/ 1,011,780.83 |
| 4.15% | S/ 9,920.76 | S/ 19,942.88 | S/ 30,067.39 | S/ 40,295.35 | S/ 1,011,295.35 |
| 4.00% | S/ 9,567.39 | S/ 19,229.05 | S/ 28,985.90 | S/ 38,838.89 | S/ 1,009,838.89 |
| 3.90% | S/ 9,331.60 | S/ 18,752.87 | S/ 28,264.69 | S/ 37,867.92 | S/ 1,008,867.92 |
| 3.75% | S/ 8,977.59 | S/ 18,038.18 | S/ 27,182.55 | S/ 36,411.46 | S/ 1,007,411.46 |
| 3.50% | S/ 8,386.72 | S/ 16,845.89 | S/ 25,378.11 | S/ 33,984.03 | S/ 1,004,984.03 |
| 3.00% | S/ 7,201.77 | S/ 14,456.96 | S/ 21,765.96 | S/ 29,129.17 | S/ 1,000,129.17 |
| 2.75% | S/ 6,607.68 | S/ 13,260.33 | S/ 19,958.24 | S/ 26,701.74 | S/ 997,701.74 |
| 2.50% | S/ 6,012.50 | S/ 12,062.23 | S/ 18,149.43 | S/ 24,274.31 | S/ 995,274.31 |
| 2.00% | S/ 4,818.87 | S/ 9,661.66 | S/ 14,528.48 | S/ 19,419.45 | S/ 990,419.45 |
| 1.35% | S/ 3,260.57 | S/ 6,532.09 | S/ 9,814.60 | S/ 13,108.13 | S/ 984,108.13 |
| 1.00% | S/ 2,418.38 | S/ 4,842.79 | S/ 7,273.23 | S/ 9,709.73 | S/ 980,709.73 |
| 0.10% | S/ 242.65 | S/ 485.37 | S/ 728.14 | S/ 970.97 | S/ 971,970.97 |
Cambiando a dólares para ahorrar
El dólar estadounidense hoy se cotiza (referencialmente) a S/ 3.72. Si deseas cambiar S/ 971,000 obtendrías $261,021.51 dólares, los cuales podrías ponerlos en una cuenta de ahorros o a plazo fijo.
Sobre los datos
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Para S/ 971,000 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/ 971,000 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.