Ahorrando S/ 979,999
Veamos que pasaría si Usted ahorrara 979,999 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/ 979,999.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,195.54 | S/ 22,518.98 | S/ 33,971.77 | S/ 45,555.41 | S/ 1,025,554.41 |
| 8.50% | S/ 20,191.72 | S/ 40,799.46 | S/ 61,831.80 | S/ 83,297.49 | S/ 1,063,296.49 |
| 8.00% | S/ 19,037.46 | S/ 38,444.74 | S/ 58,229.02 | S/ 78,397.64 | S/ 1,058,396.64 |
| 7.10% | S/ 16,949.65 | S/ 34,192.46 | S/ 51,733.50 | S/ 69,577.91 | S/ 1,049,576.91 |
| 7.00% | S/ 16,716.87 | S/ 33,718.89 | S/ 51,010.93 | S/ 68,597.94 | S/ 1,048,596.94 |
| 6.50% | S/ 15,550.46 | S/ 31,347.68 | S/ 47,395.57 | S/ 63,698.09 | S/ 1,043,697.09 |
| 6.10% | S/ 14,614.38 | S/ 29,446.70 | S/ 44,500.22 | S/ 59,778.22 | S/ 1,039,777.22 |
| 6.20% | S/ 14,848.65 | S/ 29,922.28 | S/ 45,224.31 | S/ 60,758.19 | S/ 1,040,757.19 |
| 5.90% | S/ 14,145.35 | S/ 28,494.87 | S/ 43,051.52 | S/ 57,818.28 | S/ 1,037,817.28 |
| 5.75% | S/ 13,793.14 | S/ 27,780.41 | S/ 41,964.55 | S/ 56,348.32 | S/ 1,036,347.32 |
| 5.70% | S/ 13,675.65 | S/ 27,542.14 | S/ 41,602.14 | S/ 55,858.34 | S/ 1,035,857.34 |
| 5.65% | S/ 13,558.12 | S/ 27,303.82 | S/ 41,239.68 | S/ 55,368.35 | S/ 1,035,367.35 |
| 5.60% | S/ 13,440.55 | S/ 27,065.44 | S/ 40,877.19 | S/ 54,878.37 | S/ 1,034,877.37 |
| 5.50% | S/ 13,205.29 | S/ 26,588.51 | S/ 40,152.07 | S/ 53,898.40 | S/ 1,033,897.40 |
| 5.30% | S/ 12,734.25 | S/ 25,633.97 | S/ 38,701.31 | S/ 51,938.45 | S/ 1,031,937.45 |
| 5.25% | S/ 12,616.39 | S/ 25,395.20 | S/ 38,338.52 | S/ 51,448.47 | S/ 1,031,447.47 |
| 5.05% | S/ 12,144.51 | S/ 24,439.52 | S/ 36,886.90 | S/ 49,488.53 | S/ 1,029,487.53 |
| 5.00% | S/ 12,026.44 | S/ 24,200.46 | S/ 36,523.89 | S/ 48,998.54 | S/ 1,028,997.54 |
| 4.95% | S/ 11,908.32 | S/ 23,961.35 | S/ 36,160.83 | S/ 48,508.56 | S/ 1,028,507.56 |
| 4.75% | S/ 11,435.44 | S/ 23,004.31 | S/ 34,708.18 | S/ 46,548.62 | S/ 1,026,547.62 |
| 4.55% | S/ 10,961.87 | S/ 22,046.36 | S/ 33,254.83 | S/ 44,588.68 | S/ 1,024,587.68 |
| 4.50% | S/ 10,843.37 | S/ 21,806.73 | S/ 32,891.39 | S/ 44,098.69 | S/ 1,024,097.69 |
| 4.40% | S/ 10,606.25 | S/ 21,327.29 | S/ 32,164.36 | S/ 43,118.72 | S/ 1,023,117.72 |
| 4.30% | S/ 10,368.96 | S/ 20,847.63 | S/ 31,437.17 | S/ 42,138.75 | S/ 1,022,137.75 |
| 4.25% | S/ 10,250.25 | S/ 20,607.71 | S/ 31,073.51 | S/ 41,648.77 | S/ 1,021,647.77 |
| 4.20% | S/ 10,131.50 | S/ 20,367.74 | S/ 30,709.80 | S/ 41,158.78 | S/ 1,021,157.78 |
| 4.15% | S/ 10,012.70 | S/ 20,127.70 | S/ 30,346.05 | S/ 40,668.80 | S/ 1,020,667.80 |
| 4.00% | S/ 9,656.06 | S/ 19,407.26 | S/ 29,254.54 | S/ 39,198.84 | S/ 1,019,197.84 |
| 3.90% | S/ 9,418.08 | S/ 18,926.67 | S/ 28,526.64 | S/ 38,218.87 | S/ 1,018,217.87 |
| 3.75% | S/ 9,060.79 | S/ 18,205.36 | S/ 27,434.47 | S/ 36,748.91 | S/ 1,016,747.91 |
| 3.50% | S/ 8,464.45 | S/ 17,002.01 | S/ 25,613.31 | S/ 34,298.99 | S/ 1,014,297.99 |
| 3.00% | S/ 7,268.52 | S/ 14,590.95 | S/ 21,967.68 | S/ 29,399.13 | S/ 1,009,398.13 |
| 2.75% | S/ 6,668.92 | S/ 13,383.22 | S/ 20,143.21 | S/ 26,949.21 | S/ 1,006,948.21 |
| 2.50% | S/ 6,068.22 | S/ 12,174.02 | S/ 18,317.63 | S/ 24,499.28 | S/ 1,004,498.28 |
| 2.00% | S/ 4,863.53 | S/ 9,751.20 | S/ 14,663.12 | S/ 19,599.43 | S/ 999,598.43 |
| 1.35% | S/ 3,290.79 | S/ 6,592.63 | S/ 9,905.56 | S/ 13,229.61 | S/ 993,228.61 |
| 1.00% | S/ 2,440.79 | S/ 4,887.67 | S/ 7,340.64 | S/ 9,799.71 | S/ 989,798.71 |
| 0.10% | S/ 244.90 | S/ 489.86 | S/ 734.89 | S/ 979.97 | S/ 980,978.97 |
Cambiando a dólares para ahorrar
El dólar estadounidense hoy se cotiza (referencialmente) a S/ 3.75. Si deseas cambiar S/ 979,999 obtendrías $261,333.07 dólares, los cuales podrías ponerlos en una cuenta de ahorros o a plazo fijo.
Sobre los datos
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Para S/ 979,999 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/ 979,999 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.