Ahorrando S/ 999,890
Veamos que pasaría si Usted ahorrara 999,890 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/ 999,890.
| * |
90 días ganancia |
180 días ganancia |
270 días ganancia |
360 días ganancia |
Interés + Capital en 1 año |
|---|---|---|---|---|---|
| 4.65% promedio |
S/ 11,422.77 | S/ 22,976.04 | S/ 34,661.30 | S/ 46,480.04 | S/ 1,046,370.04 |
| 8.50% | S/ 20,601.55 | S/ 41,627.56 | S/ 63,086.80 | S/ 84,988.17 | S/ 1,084,878.17 |
| 8.00% | S/ 19,423.86 | S/ 39,225.05 | S/ 59,410.90 | S/ 79,988.87 | S/ 1,079,878.87 |
| 7.10% | S/ 17,293.68 | S/ 34,886.47 | S/ 52,783.53 | S/ 70,990.13 | S/ 1,070,880.13 |
| 7.00% | S/ 17,056.17 | S/ 34,403.28 | S/ 52,046.30 | S/ 69,990.27 | S/ 1,069,880.27 |
| 6.50% | S/ 15,866.09 | S/ 31,983.94 | S/ 48,357.55 | S/ 64,990.97 | S/ 1,064,880.97 |
| 6.10% | S/ 14,911.01 | S/ 30,044.38 | S/ 45,403.44 | S/ 60,991.53 | S/ 1,060,881.53 |
| 6.20% | S/ 15,150.03 | S/ 30,529.62 | S/ 46,142.22 | S/ 61,991.39 | S/ 1,061,881.39 |
| 5.90% | S/ 14,432.46 | S/ 29,073.23 | S/ 43,925.33 | S/ 58,991.81 | S/ 1,058,881.81 |
| 5.75% | S/ 14,073.10 | S/ 28,344.27 | S/ 42,816.30 | S/ 57,492.02 | S/ 1,057,382.02 |
| 5.70% | S/ 13,953.22 | S/ 28,101.16 | S/ 42,446.53 | S/ 56,992.09 | S/ 1,056,882.09 |
| 5.65% | S/ 13,833.31 | S/ 27,858.00 | S/ 42,076.72 | S/ 56,492.16 | S/ 1,056,382.16 |
| 5.60% | S/ 13,713.35 | S/ 27,614.78 | S/ 41,706.87 | S/ 55,992.23 | S/ 1,055,882.23 |
| 5.50% | S/ 13,473.31 | S/ 27,128.17 | S/ 40,967.03 | S/ 54,992.37 | S/ 1,054,882.37 |
| 5.30% | S/ 12,992.72 | S/ 26,154.26 | S/ 39,486.83 | S/ 52,992.65 | S/ 1,052,882.65 |
| 5.25% | S/ 12,872.46 | S/ 25,910.64 | S/ 39,116.67 | S/ 52,492.72 | S/ 1,052,382.72 |
| 5.05% | S/ 12,391.01 | S/ 24,935.57 | S/ 37,635.59 | S/ 50,493.00 | S/ 1,050,383.00 |
| 5.00% | S/ 12,270.54 | S/ 24,691.66 | S/ 37,265.21 | S/ 49,993.07 | S/ 1,049,883.07 |
| 4.95% | S/ 12,150.03 | S/ 24,447.69 | S/ 36,894.79 | S/ 49,493.14 | S/ 1,049,383.14 |
| 4.75% | S/ 11,667.54 | S/ 23,471.23 | S/ 35,412.65 | S/ 47,493.41 | S/ 1,047,383.41 |
| 4.55% | S/ 11,184.36 | S/ 22,493.83 | S/ 33,929.80 | S/ 45,493.69 | S/ 1,045,383.69 |
| 4.50% | S/ 11,063.46 | S/ 22,249.34 | S/ 33,558.98 | S/ 44,993.76 | S/ 1,044,883.76 |
| 4.40% | S/ 10,821.53 | S/ 21,760.17 | S/ 32,817.20 | S/ 43,993.90 | S/ 1,043,883.90 |
| 4.30% | S/ 10,579.42 | S/ 21,270.77 | S/ 32,075.25 | S/ 42,994.04 | S/ 1,042,884.04 |
| 4.25% | S/ 10,458.30 | S/ 21,025.98 | S/ 31,704.20 | S/ 42,494.11 | S/ 1,042,384.11 |
| 4.20% | S/ 10,337.14 | S/ 20,781.14 | S/ 31,333.11 | S/ 41,994.18 | S/ 1,041,884.18 |
| 4.15% | S/ 10,215.93 | S/ 20,536.23 | S/ 30,961.98 | S/ 41,494.25 | S/ 1,041,384.25 |
| 4.00% | S/ 9,852.05 | S/ 19,801.16 | S/ 29,848.31 | S/ 39,994.46 | S/ 1,039,884.46 |
| 3.90% | S/ 9,609.24 | S/ 19,310.82 | S/ 29,105.65 | S/ 38,994.60 | S/ 1,038,884.60 |
| 3.75% | S/ 9,244.70 | S/ 18,574.87 | S/ 27,991.31 | S/ 37,494.81 | S/ 1,037,384.81 |
| 3.50% | S/ 8,636.25 | S/ 17,347.10 | S/ 26,133.18 | S/ 34,995.15 | S/ 1,034,885.15 |
| 3.00% | S/ 7,416.05 | S/ 14,887.10 | S/ 22,413.56 | S/ 29,995.85 | S/ 1,029,885.85 |
| 2.75% | S/ 6,804.28 | S/ 13,654.86 | S/ 20,552.06 | S/ 27,496.19 | S/ 1,027,386.19 |
| 2.50% | S/ 6,191.39 | S/ 12,421.12 | S/ 18,689.42 | S/ 24,996.54 | S/ 1,024,886.54 |
| 2.00% | S/ 4,962.25 | S/ 9,949.12 | S/ 14,960.74 | S/ 19,997.23 | S/ 1,019,887.23 |
| 1.35% | S/ 3,357.58 | S/ 6,726.44 | S/ 10,106.61 | S/ 13,498.13 | S/ 1,013,388.13 |
| 1.00% | S/ 2,490.34 | S/ 4,986.87 | S/ 7,489.63 | S/ 9,998.62 | S/ 1,009,888.62 |
| 0.10% | S/ 249.87 | S/ 499.81 | S/ 749.80 | S/ 999.86 | S/ 1,000,889.86 |
Cambiando a dólares para ahorrar
El dólar estadounidense hoy se cotiza (referencialmente) a S/ 3.72. Si deseas cambiar S/ 999,890 obtendrías $268,787.63 dólares, los cuales podrías ponerlos en una cuenta de ahorros o a plazo fijo.
Sobre los datos
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Para S/ 999,890 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/ 999,890 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.