Ahorrando S/ 999,016
Veamos que pasaría si Usted ahorrara 999,016 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/ 999,016.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,412.79 | S/ 22,955.96 | S/ 34,631.00 | S/ 46,439.41 | S/ 1,045,455.41 |
| 8.50% | S/ 20,583.54 | S/ 41,591.18 | S/ 63,031.65 | S/ 84,913.88 | S/ 1,083,929.88 |
| 8.00% | S/ 19,406.88 | S/ 39,190.76 | S/ 59,358.97 | S/ 79,918.95 | S/ 1,078,934.95 |
| 7.10% | S/ 17,278.56 | S/ 34,855.97 | S/ 52,737.39 | S/ 70,928.08 | S/ 1,069,944.08 |
| 7.00% | S/ 17,041.26 | S/ 34,373.21 | S/ 52,000.80 | S/ 69,929.09 | S/ 1,068,945.09 |
| 6.50% | S/ 15,852.22 | S/ 31,955.99 | S/ 48,315.28 | S/ 64,934.16 | S/ 1,063,950.16 |
| 6.10% | S/ 14,897.98 | S/ 30,018.12 | S/ 45,363.75 | S/ 60,938.22 | S/ 1,059,954.22 |
| 6.20% | S/ 15,136.79 | S/ 30,502.93 | S/ 46,101.89 | S/ 61,937.21 | S/ 1,060,953.21 |
| 5.90% | S/ 14,419.84 | S/ 29,047.82 | S/ 43,886.94 | S/ 58,940.25 | S/ 1,057,956.25 |
| 5.75% | S/ 14,060.80 | S/ 28,319.49 | S/ 42,778.87 | S/ 57,441.77 | S/ 1,056,457.77 |
| 5.70% | S/ 13,941.03 | S/ 28,076.60 | S/ 42,409.43 | S/ 56,942.27 | S/ 1,055,958.27 |
| 5.65% | S/ 13,821.22 | S/ 27,833.65 | S/ 42,039.95 | S/ 56,442.78 | S/ 1,055,458.78 |
| 5.60% | S/ 13,701.37 | S/ 27,590.65 | S/ 41,670.42 | S/ 55,943.29 | S/ 1,054,959.29 |
| 5.50% | S/ 13,461.54 | S/ 27,104.46 | S/ 40,931.22 | S/ 54,944.30 | S/ 1,053,960.30 |
| 5.30% | S/ 12,981.36 | S/ 26,131.40 | S/ 39,452.32 | S/ 52,946.33 | S/ 1,051,962.33 |
| 5.25% | S/ 12,861.21 | S/ 25,887.99 | S/ 39,082.48 | S/ 52,446.83 | S/ 1,051,462.83 |
| 5.05% | S/ 12,380.18 | S/ 24,913.78 | S/ 37,602.70 | S/ 50,448.86 | S/ 1,049,464.86 |
| 5.00% | S/ 12,259.81 | S/ 24,670.08 | S/ 37,232.64 | S/ 49,949.37 | S/ 1,048,965.37 |
| 4.95% | S/ 12,139.41 | S/ 24,426.32 | S/ 36,862.54 | S/ 49,449.87 | S/ 1,048,465.87 |
| 4.75% | S/ 11,657.34 | S/ 23,450.71 | S/ 35,381.70 | S/ 47,451.90 | S/ 1,046,467.90 |
| 4.55% | S/ 11,174.59 | S/ 22,474.17 | S/ 33,900.15 | S/ 45,453.93 | S/ 1,044,469.93 |
| 4.50% | S/ 11,053.79 | S/ 22,229.89 | S/ 33,529.65 | S/ 44,954.43 | S/ 1,043,970.43 |
| 4.40% | S/ 10,812.07 | S/ 21,741.15 | S/ 32,788.52 | S/ 43,955.45 | S/ 1,042,971.45 |
| 4.30% | S/ 10,570.17 | S/ 21,252.18 | S/ 32,047.21 | S/ 42,956.46 | S/ 1,041,972.46 |
| 4.25% | S/ 10,449.16 | S/ 21,007.61 | S/ 31,676.49 | S/ 42,456.97 | S/ 1,041,472.97 |
| 4.20% | S/ 10,328.10 | S/ 20,762.97 | S/ 31,305.73 | S/ 41,957.47 | S/ 1,040,973.47 |
| 4.15% | S/ 10,207.00 | S/ 20,518.28 | S/ 30,934.92 | S/ 41,457.98 | S/ 1,040,473.98 |
| 4.00% | S/ 9,843.43 | S/ 19,783.86 | S/ 29,822.22 | S/ 39,959.50 | S/ 1,038,975.50 |
| 3.90% | S/ 9,600.84 | S/ 19,293.94 | S/ 29,080.20 | S/ 38,960.51 | S/ 1,037,976.51 |
| 3.75% | S/ 9,236.62 | S/ 18,558.63 | S/ 27,966.84 | S/ 37,462.03 | S/ 1,036,478.03 |
| 3.50% | S/ 8,628.70 | S/ 17,331.94 | S/ 26,110.34 | S/ 34,964.56 | S/ 1,033,980.56 |
| 3.00% | S/ 7,409.57 | S/ 14,874.09 | S/ 22,393.97 | S/ 29,969.63 | S/ 1,028,985.63 |
| 2.75% | S/ 6,798.33 | S/ 13,642.92 | S/ 20,534.09 | S/ 27,472.16 | S/ 1,026,488.16 |
| 2.50% | S/ 6,185.98 | S/ 12,410.26 | S/ 18,673.09 | S/ 24,974.69 | S/ 1,023,990.69 |
| 2.00% | S/ 4,957.91 | S/ 9,940.42 | S/ 14,947.66 | S/ 19,979.75 | S/ 1,018,995.75 |
| 1.35% | S/ 3,354.65 | S/ 6,720.56 | S/ 10,097.78 | S/ 13,486.34 | S/ 1,012,502.34 |
| 1.00% | S/ 2,488.16 | S/ 4,982.51 | S/ 7,483.08 | S/ 9,989.88 | S/ 1,009,005.88 |
| 0.10% | S/ 249.65 | S/ 499.37 | S/ 749.15 | S/ 998.99 | S/ 1,000,014.99 |
Cambiando a dólares para ahorrar
El dólar estadounidense hoy se cotiza (referencialmente) a S/ 3.73. Si deseas cambiar S/ 999,016 obtendrías $267,832.71 dólares, los cuales podrías ponerlos en una cuenta de ahorros o a plazo fijo.
Sobre los datos
-
Para S/ 999,016 el promedio de las tasas de interés TEA es de 4.65% en soles.
-
(*) Los cálculos de esta simulación para S/ 999,016 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.