Ahorrando S/ 999,592
Veamos que pasaría si Usted ahorrara 999,592 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/ 999,592.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,419.37 | S/ 22,969.19 | S/ 34,650.97 | S/ 46,466.19 | S/ 1,046,058.19 |
| 8.50% | S/ 20,595.41 | S/ 41,615.16 | S/ 63,067.99 | S/ 84,962.84 | S/ 1,084,554.84 |
| 8.00% | S/ 19,418.07 | S/ 39,213.36 | S/ 59,393.19 | S/ 79,965.03 | S/ 1,079,557.03 |
| 7.10% | S/ 17,288.53 | S/ 34,876.07 | S/ 52,767.80 | S/ 70,968.98 | S/ 1,070,560.98 |
| 7.00% | S/ 17,051.08 | S/ 34,393.03 | S/ 52,030.79 | S/ 69,969.41 | S/ 1,069,561.41 |
| 6.50% | S/ 15,861.36 | S/ 31,974.41 | S/ 48,343.14 | S/ 64,971.60 | S/ 1,064,563.60 |
| 6.10% | S/ 14,906.57 | S/ 30,035.43 | S/ 45,389.90 | S/ 60,973.35 | S/ 1,060,565.35 |
| 6.20% | S/ 15,145.52 | S/ 30,520.52 | S/ 46,128.47 | S/ 61,972.92 | S/ 1,061,564.92 |
| 5.90% | S/ 14,428.16 | S/ 29,064.57 | S/ 43,912.24 | S/ 58,974.23 | S/ 1,058,566.23 |
| 5.75% | S/ 14,068.90 | S/ 28,335.82 | S/ 42,803.54 | S/ 57,474.89 | S/ 1,057,066.89 |
| 5.70% | S/ 13,949.07 | S/ 28,092.79 | S/ 42,433.88 | S/ 56,975.10 | S/ 1,056,567.10 |
| 5.65% | S/ 13,829.19 | S/ 27,849.70 | S/ 42,064.18 | S/ 56,475.32 | S/ 1,056,067.32 |
| 5.60% | S/ 13,709.27 | S/ 27,606.55 | S/ 41,694.44 | S/ 55,975.54 | S/ 1,055,567.54 |
| 5.50% | S/ 13,469.30 | S/ 27,120.09 | S/ 40,954.82 | S/ 54,975.98 | S/ 1,054,567.98 |
| 5.30% | S/ 12,988.84 | S/ 26,146.47 | S/ 39,475.06 | S/ 52,976.85 | S/ 1,052,568.85 |
| 5.25% | S/ 12,868.62 | S/ 25,902.92 | S/ 39,105.01 | S/ 52,477.07 | S/ 1,052,069.07 |
| 5.05% | S/ 12,387.32 | S/ 24,928.14 | S/ 37,624.38 | S/ 50,477.95 | S/ 1,050,069.95 |
| 5.00% | S/ 12,266.88 | S/ 24,684.30 | S/ 37,254.11 | S/ 49,978.17 | S/ 1,049,570.17 |
| 4.95% | S/ 12,146.40 | S/ 24,440.40 | S/ 36,883.79 | S/ 49,478.38 | S/ 1,049,070.38 |
| 4.75% | S/ 11,664.06 | S/ 23,464.23 | S/ 35,402.10 | S/ 47,479.26 | S/ 1,047,071.26 |
| 4.55% | S/ 11,181.03 | S/ 22,487.13 | S/ 33,919.69 | S/ 45,480.13 | S/ 1,045,072.13 |
| 4.50% | S/ 11,060.16 | S/ 22,242.71 | S/ 33,548.98 | S/ 44,980.35 | S/ 1,044,572.35 |
| 4.40% | S/ 10,818.30 | S/ 21,753.69 | S/ 32,807.42 | S/ 43,980.79 | S/ 1,043,572.79 |
| 4.30% | S/ 10,576.27 | S/ 21,264.43 | S/ 32,065.69 | S/ 42,981.23 | S/ 1,042,573.23 |
| 4.25% | S/ 10,455.18 | S/ 21,019.72 | S/ 31,694.75 | S/ 42,481.45 | S/ 1,042,073.45 |
| 4.20% | S/ 10,334.05 | S/ 20,774.94 | S/ 31,323.78 | S/ 41,981.66 | S/ 1,041,573.66 |
| 4.15% | S/ 10,212.88 | S/ 20,530.11 | S/ 30,952.75 | S/ 41,481.88 | S/ 1,041,073.88 |
| 4.00% | S/ 9,849.11 | S/ 19,795.26 | S/ 29,839.42 | S/ 39,982.54 | S/ 1,039,574.54 |
| 3.90% | S/ 9,606.37 | S/ 19,305.07 | S/ 29,096.97 | S/ 38,982.98 | S/ 1,038,574.98 |
| 3.75% | S/ 9,241.94 | S/ 18,569.34 | S/ 27,982.97 | S/ 37,483.63 | S/ 1,037,075.63 |
| 3.50% | S/ 8,633.68 | S/ 17,341.93 | S/ 26,125.39 | S/ 34,984.72 | S/ 1,034,576.72 |
| 3.00% | S/ 7,413.84 | S/ 14,882.66 | S/ 22,406.88 | S/ 29,986.91 | S/ 1,029,578.91 |
| 2.75% | S/ 6,802.25 | S/ 13,650.79 | S/ 20,545.93 | S/ 27,488.00 | S/ 1,027,080.00 |
| 2.50% | S/ 6,189.55 | S/ 12,417.42 | S/ 18,683.85 | S/ 24,989.09 | S/ 1,024,581.09 |
| 2.00% | S/ 4,960.77 | S/ 9,946.15 | S/ 14,956.28 | S/ 19,991.27 | S/ 1,019,583.27 |
| 1.35% | S/ 3,356.58 | S/ 6,724.44 | S/ 10,103.60 | S/ 13,494.11 | S/ 1,013,086.11 |
| 1.00% | S/ 2,489.59 | S/ 4,985.39 | S/ 7,487.40 | S/ 9,995.64 | S/ 1,009,587.64 |
| 0.10% | S/ 249.80 | S/ 499.66 | S/ 749.58 | S/ 999.56 | S/ 1,000,591.56 |
Cambiando a dólares para ahorrar
El dólar estadounidense hoy se cotiza (referencialmente) a S/ 3.72. Si deseas cambiar S/ 999,592 obtendrías $268,707.53 dólares, los cuales podrías ponerlos en una cuenta de ahorros o a plazo fijo.
Sobre los datos
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Para S/ 999,592 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/ 999,592 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.