Ahorrando S/ 975,740
Veamos que pasaría si Usted ahorrara 975,740 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/ 975,740.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,146.88 | S/ 22,421.11 | S/ 33,824.13 | S/ 45,357.43 | S/ 1,021,097.43 |
| 8.50% | S/ 20,103.96 | S/ 40,622.15 | S/ 61,563.08 | S/ 82,935.48 | S/ 1,058,675.48 |
| 8.00% | S/ 18,954.72 | S/ 38,277.66 | S/ 57,975.97 | S/ 78,056.93 | S/ 1,053,796.93 |
| 7.10% | S/ 16,875.99 | S/ 34,043.87 | S/ 51,508.67 | S/ 69,275.53 | S/ 1,045,015.53 |
| 7.00% | S/ 16,644.22 | S/ 33,572.35 | S/ 50,789.24 | S/ 68,299.82 | S/ 1,044,039.82 |
| 6.50% | S/ 15,482.88 | S/ 31,211.45 | S/ 47,189.59 | S/ 63,421.27 | S/ 1,039,161.27 |
| 6.10% | S/ 14,550.87 | S/ 29,318.73 | S/ 44,306.82 | S/ 59,518.42 | S/ 1,035,258.42 |
| 6.20% | S/ 14,784.12 | S/ 29,792.24 | S/ 45,027.77 | S/ 60,494.13 | S/ 1,036,234.13 |
| 5.90% | S/ 14,083.87 | S/ 28,371.04 | S/ 42,864.42 | S/ 57,567.00 | S/ 1,033,307.00 |
| 5.75% | S/ 13,733.19 | S/ 27,659.68 | S/ 41,782.17 | S/ 56,103.43 | S/ 1,031,843.43 |
| 5.70% | S/ 13,616.22 | S/ 27,422.45 | S/ 41,421.34 | S/ 55,615.58 | S/ 1,031,355.58 |
| 5.65% | S/ 13,499.20 | S/ 27,185.16 | S/ 41,060.46 | S/ 55,127.72 | S/ 1,030,867.72 |
| 5.60% | S/ 13,382.14 | S/ 26,947.81 | S/ 40,699.54 | S/ 54,639.87 | S/ 1,030,379.87 |
| 5.50% | S/ 13,147.90 | S/ 26,472.96 | S/ 39,977.57 | S/ 53,664.16 | S/ 1,029,404.16 |
| 5.30% | S/ 12,678.91 | S/ 25,522.57 | S/ 38,533.12 | S/ 51,712.73 | S/ 1,027,452.73 |
| 5.25% | S/ 12,561.56 | S/ 25,284.83 | S/ 38,171.90 | S/ 51,224.88 | S/ 1,026,964.88 |
| 5.05% | S/ 12,091.73 | S/ 24,333.31 | S/ 36,726.59 | S/ 49,273.46 | S/ 1,025,013.46 |
| 5.00% | S/ 11,974.17 | S/ 24,095.29 | S/ 36,365.16 | S/ 48,785.60 | S/ 1,024,525.60 |
| 4.95% | S/ 11,856.57 | S/ 23,857.21 | S/ 36,003.68 | S/ 48,297.74 | S/ 1,024,037.74 |
| 4.75% | S/ 11,385.74 | S/ 22,904.33 | S/ 34,557.34 | S/ 46,346.32 | S/ 1,022,086.32 |
| 4.55% | S/ 10,914.23 | S/ 21,950.55 | S/ 33,110.31 | S/ 44,394.90 | S/ 1,020,134.90 |
| 4.50% | S/ 10,796.25 | S/ 21,711.96 | S/ 32,748.44 | S/ 43,907.04 | S/ 1,019,647.04 |
| 4.40% | S/ 10,560.16 | S/ 21,234.61 | S/ 32,024.58 | S/ 42,931.33 | S/ 1,018,671.33 |
| 4.30% | S/ 10,323.90 | S/ 20,757.03 | S/ 31,300.55 | S/ 41,955.62 | S/ 1,017,695.62 |
| 4.25% | S/ 10,205.70 | S/ 20,518.15 | S/ 30,938.46 | S/ 41,467.76 | S/ 1,017,207.76 |
| 4.20% | S/ 10,087.47 | S/ 20,279.22 | S/ 30,576.34 | S/ 40,979.91 | S/ 1,016,719.91 |
| 4.15% | S/ 9,969.19 | S/ 20,040.23 | S/ 30,214.17 | S/ 40,492.05 | S/ 1,016,232.05 |
| 4.00% | S/ 9,614.09 | S/ 19,322.91 | S/ 29,127.40 | S/ 39,028.49 | S/ 1,014,768.49 |
| 3.90% | S/ 9,377.15 | S/ 18,844.42 | S/ 28,402.67 | S/ 38,052.77 | S/ 1,013,792.77 |
| 3.75% | S/ 9,021.41 | S/ 18,126.24 | S/ 27,315.24 | S/ 36,589.21 | S/ 1,012,329.21 |
| 3.50% | S/ 8,427.66 | S/ 16,928.12 | S/ 25,502.00 | S/ 34,149.93 | S/ 1,009,889.93 |
| 3.00% | S/ 7,236.93 | S/ 14,527.54 | S/ 21,872.21 | S/ 29,271.37 | S/ 1,005,011.37 |
| 2.75% | S/ 6,639.94 | S/ 13,325.06 | S/ 20,055.67 | S/ 26,832.09 | S/ 1,002,572.09 |
| 2.50% | S/ 6,041.85 | S/ 12,121.12 | S/ 18,238.02 | S/ 24,392.81 | S/ 1,000,132.81 |
| 2.00% | S/ 4,842.39 | S/ 9,708.82 | S/ 14,599.40 | S/ 19,514.25 | S/ 995,254.25 |
| 1.35% | S/ 3,276.49 | S/ 6,563.98 | S/ 9,862.51 | S/ 13,172.12 | S/ 988,912.12 |
| 1.00% | S/ 2,430.19 | S/ 4,866.43 | S/ 7,308.73 | S/ 9,757.13 | S/ 985,497.13 |
| 0.10% | S/ 243.84 | S/ 487.73 | S/ 731.69 | S/ 975.71 | S/ 976,715.71 |
Cambiando a dólares para ahorrar
El dólar estadounidense hoy se cotiza (referencialmente) a S/ 3.75. Si deseas cambiar S/ 975,740 obtendrías $260,197.33 dólares, los cuales podrías ponerlos en una cuenta de ahorros o a plazo fijo.
Sobre los datos
-
Para S/ 975,740 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 975,740 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.