Calcula el pago mensual fijo de préstamos e hipotecas (capital e intereses), el costo total de intereses, el ahorro por abonos extra a capital y la tabla de amortización anual con desglose mensual desplegable.
Cada año muestra totales acumulados por defecto. Haz clic en cualquier año para desplegar sus pagos mes a mes.
| Mes | Saldo inicial | Pago total | Capital | Capital extra | Interés | Saldo final |
|---|---|---|---|---|---|---|
| M1 | $30,000.00 | $586.98 | $424.48 | $0.00 | $162.50 | $29,575.52 |
| M2 | $29,575.52 | $586.98 | $426.78 | $0.00 | $160.20 | $29,148.74 |
| M3 | $29,148.74 | $586.98 | $429.09 | $0.00 | $157.89 | $28,719.65 |
| M4 | $28,719.65 | $586.98 | $431.42 | $0.00 | $155.56 | $28,288.23 |
| M5 | $28,288.23 | $586.98 | $433.75 | $0.00 | $153.23 | $27,854.48 |
| M6 | $27,854.48 | $586.98 | $436.10 | $0.00 | $150.88 | $27,418.38 |
| M7 | $27,418.38 | $586.98 | $438.46 | $0.00 | $148.52 | $26,979.92 |
| M8 | $26,979.92 | $586.98 | $440.84 | $0.00 | $146.14 | $26,539.08 |
| M9 | $26,539.08 | $586.98 | $443.23 | $0.00 | $143.75 | $26,095.85 |
| M10 | $26,095.85 | $586.98 | $445.63 | $0.00 | $141.35 | $25,650.22 |
| M11 | $25,650.22 | $586.98 | $448.04 | $0.00 | $138.94 | $25,202.18 |
| M12 | $25,202.18 | $586.98 | $450.47 | $0.00 | $136.51 | $24,751.71 |
| Mes | Saldo inicial | Pago total | Capital | Capital extra | Interés | Saldo final |
|---|---|---|---|---|---|---|
| M13 | $24,751.71 | $586.98 | $452.91 | $0.00 | $134.07 | $24,298.80 |
| M14 | $24,298.80 | $586.98 | $455.36 | $0.00 | $131.62 | $23,843.44 |
| M15 | $23,843.44 | $586.98 | $457.83 | $0.00 | $129.15 | $23,385.61 |
| M16 | $23,385.61 | $586.98 | $460.31 | $0.00 | $126.67 | $22,925.30 |
| M17 | $22,925.30 | $586.98 | $462.80 | $0.00 | $124.18 | $22,462.50 |
| M18 | $22,462.50 | $586.98 | $465.31 | $0.00 | $121.67 | $21,997.19 |
| M19 | $21,997.19 | $586.98 | $467.83 | $0.00 | $119.15 | $21,529.36 |
| M20 | $21,529.36 | $586.98 | $470.36 | $0.00 | $116.62 | $21,059.00 |
| M21 | $21,059.00 | $586.98 | $472.91 | $0.00 | $114.07 | $20,586.09 |
| M22 | $20,586.09 | $586.98 | $475.47 | $0.00 | $111.51 | $20,110.62 |
| M23 | $20,110.62 | $586.98 | $478.05 | $0.00 | $108.93 | $19,632.57 |
| M24 | $19,632.57 | $586.98 | $480.64 | $0.00 | $106.34 | $19,151.93 |
| Mes | Saldo inicial | Pago total | Capital | Capital extra | Interés | Saldo final |
|---|---|---|---|---|---|---|
| M25 | $19,151.93 | $586.98 | $483.24 | $0.00 | $103.74 | $18,668.69 |
| M26 | $18,668.69 | $586.98 | $485.86 | $0.00 | $101.12 | $18,182.83 |
| M27 | $18,182.83 | $586.98 | $488.49 | $0.00 | $98.49 | $17,694.34 |
| M28 | $17,694.34 | $586.98 | $491.14 | $0.00 | $95.84 | $17,203.20 |
| M29 | $17,203.20 | $586.98 | $493.80 | $0.00 | $93.18 | $16,709.40 |
| M30 | $16,709.40 | $586.98 | $496.47 | $0.00 | $90.51 | $16,212.93 |
| M31 | $16,212.93 | $586.98 | $499.16 | $0.00 | $87.82 | $15,713.77 |
| M32 | $15,713.77 | $586.98 | $501.86 | $0.00 | $85.12 | $15,211.91 |
| M33 | $15,211.91 | $586.98 | $504.58 | $0.00 | $82.40 | $14,707.33 |
| M34 | $14,707.33 | $586.98 | $507.32 | $0.00 | $79.66 | $14,200.01 |
| M35 | $14,200.01 | $586.98 | $510.06 | $0.00 | $76.92 | $13,689.95 |
| M36 | $13,689.95 | $586.98 | $512.83 | $0.00 | $74.15 | $13,177.12 |
| Mes | Saldo inicial | Pago total | Capital | Capital extra | Interés | Saldo final |
|---|---|---|---|---|---|---|
| M37 | $13,177.12 | $586.98 | $515.60 | $0.00 | $71.38 | $12,661.52 |
| M38 | $12,661.52 | $586.98 | $518.40 | $0.00 | $68.58 | $12,143.12 |
| M39 | $12,143.12 | $586.98 | $521.20 | $0.00 | $65.78 | $11,621.92 |
| M40 | $11,621.92 | $586.98 | $524.03 | $0.00 | $62.95 | $11,097.89 |
| M41 | $11,097.89 | $586.98 | $526.87 | $0.00 | $60.11 | $10,571.02 |
| M42 | $10,571.02 | $586.98 | $529.72 | $0.00 | $57.26 | $10,041.30 |
| M43 | $10,041.30 | $586.98 | $532.59 | $0.00 | $54.39 | $9,508.71 |
| M44 | $9,508.71 | $586.98 | $535.47 | $0.00 | $51.51 | $8,973.24 |
| M45 | $8,973.24 | $586.98 | $538.37 | $0.00 | $48.61 | $8,434.87 |
| M46 | $8,434.87 | $586.98 | $541.29 | $0.00 | $45.69 | $7,893.58 |
| M47 | $7,893.58 | $586.98 | $544.22 | $0.00 | $42.76 | $7,349.36 |
| M48 | $7,349.36 | $586.98 | $547.17 | $0.00 | $39.81 | $6,802.19 |
| Mes | Saldo inicial | Pago total | Capital | Capital extra | Interés | Saldo final |
|---|---|---|---|---|---|---|
| M49 | $6,802.19 | $586.98 | $550.13 | $0.00 | $36.85 | $6,252.06 |
| M50 | $6,252.06 | $586.98 | $553.11 | $0.00 | $33.87 | $5,698.95 |
| M51 | $5,698.95 | $586.98 | $556.11 | $0.00 | $30.87 | $5,142.84 |
| M52 | $5,142.84 | $586.98 | $559.12 | $0.00 | $27.86 | $4,583.72 |
| M53 | $4,583.72 | $586.98 | $562.15 | $0.00 | $24.83 | $4,021.57 |
| M54 | $4,021.57 | $586.98 | $565.20 | $0.00 | $21.78 | $3,456.37 |
| M55 | $3,456.37 | $586.98 | $568.26 | $0.00 | $18.72 | $2,888.11 |
| M56 | $2,888.11 | $586.98 | $571.34 | $0.00 | $15.64 | $2,316.77 |
| M57 | $2,316.77 | $586.98 | $574.43 | $0.00 | $12.55 | $1,742.34 |
| M58 | $1,742.34 | $586.98 | $577.54 | $0.00 | $9.44 | $1,164.80 |
| M59 | $1,164.80 | $586.98 | $580.67 | $0.00 | $6.31 | $584.13 |
| M60 | $584.13 | $587.29 | $584.13 | $0.00 | $3.16 | $0.00 |
Para un préstamo a tasa fija con capital P, tasa periódica mensual r = APR / 12 y n cuotas mensuales, el pago mensual nivelado es PMT = P × [r(1 + r)^n] / [(1 + r)^n − 1]. Si APR = 0%, el pago mensual es simplemente P / n. Cada mes, el interés se calcula sobre el saldo insoluto (I_k = B_{k−1} × r) y el resto del pago amortiza el capital.
El motor calcula la cuota mensual redondeada al centavo y ejecuta un libro mayor mes a mes. En el mes k, primero se calcula el interés I_k = round2(B_{k−1} × r); el capital programado es PMT − I_k, más cualquier abono extra mensual o único limitado al saldo restante. En la última cuota, cualquier diferencia de centavos por redondeo se ajusta automáticamente para que el saldo final sea exactamente $0.00.
Un prestatario financia $30,000 al 6.5% APR nominal durante 60 meses sin pagos extra (tasa mensual r = 0.065 / 12 = 0.00541667).
Pago Mensual Programado: $586.98 | Capital Total: $30,000.00 | Interés Total: $5,219.11 | Total Pagado: $35,219.11 en 60 meses.
Agregando $100/mes de abono extra a capital al mismo préstamo de $30,000 al 6.5% APR por 60 meses ($686.98 de desembolso mensual total).
Duración Real: 50 meses (10 meses ahorrados) | Interés Real Pagado: $4,323.04 | Interés Total Ahorrado: $896.07.
Dado el capital P, la tasa de interés mensual r = (APR / 100) / 12 y el número total de meses n, la cuota mensual fija es PMT = P × [r(1 + r)^n] / [(1 + r)^n − 1]. Si la tasa de interés es 0%, la fórmula se reduce a PMT = P / n.
Aunque tu cuota mensual programada se mantiene constante, el cargo por intereses de cada mes se calcula multiplicando el saldo insoluto restante por la tasa mensual (I_k = Saldo × r). A medida que el saldo de capital disminuye mes a mes, se genera menos interés en el mes siguiente y una mayor parte de tu pago fijo reduce el capital.
Como los pagos mensuales y los cargos de interés se redondean al centavo más cercano ($0.01) en cada cuota, pequeñas fracciones de centavo se acumulan durante el plazo. En el último pago, se ajusta la porción de capital para liquidar exactamente el saldo restante y cerrar la deuda en $0.00.
Un abono extra a capital reduce directamente el saldo insoluto en el mes en que se aplica. Como el interés de todos los meses posteriores se calcula sobre ese saldo menor, se acumula menos interés durante el resto del préstamo y una mayor proporción de tu cuota regular amortiza capital.