tools / finance
Calculadora de amortización de préstamo
Genera un calendario de amortización completo para hipotecas, préstamos de auto o préstamos personales. Ve tu pago mensual, interés total y el desglose de capital vs. interés por pago.
$
%
Años
$1,995.91/mo
Interés total: $418,527
| Mes | Pago | Capital | Interés | Saldo |
|---|---|---|---|---|
| 1 | $1,995.91 | $245.91 | $1,750.00 | $299,754.09 |
| 2 | $1,995.91 | $247.34 | $1,748.57 | $299,506.75 |
| 3 | $1,995.91 | $248.78 | $1,747.12 | $299,257.97 |
| 4 | $1,995.91 | $250.24 | $1,745.67 | $299,007.73 |
| 5 | $1,995.91 | $251.70 | $1,744.21 | $298,756.03 |
| 6 | $1,995.91 | $253.16 | $1,742.74 | $298,502.87 |
| 7 | $1,995.91 | $254.64 | $1,741.27 | $298,248.23 |
| 8 | $1,995.91 | $256.13 | $1,739.78 | $297,992.10 |
| 9 | $1,995.91 | $257.62 | $1,738.29 | $297,734.48 |
| 10 | $1,995.91 | $259.12 | $1,736.78 | $297,475.36 |
| 11 | $1,995.91 | $260.63 | $1,735.27 | $297,214.73 |
| 12 | $1,995.91 | $262.15 | $1,733.75 | $296,952.57 |
| 13 | $1,995.91 | $263.68 | $1,732.22 | $296,688.89 |
| 14 | $1,995.91 | $265.22 | $1,730.69 | $296,423.66 |
| 15 | $1,995.91 | $266.77 | $1,729.14 | $296,156.89 |
| 16 | $1,995.91 | $268.33 | $1,727.58 | $295,888.57 |
| 17 | $1,995.91 | $269.89 | $1,726.02 | $295,618.68 |
| 18 | $1,995.91 | $271.47 | $1,724.44 | $295,347.21 |
| 19 | $1,995.91 | $273.05 | $1,722.86 | $295,074.16 |
| 20 | $1,995.91 | $274.64 | $1,721.27 | $294,799.52 |
| 21 | $1,995.91 | $276.24 | $1,719.66 | $294,523.28 |
| 22 | $1,995.91 | $277.86 | $1,718.05 | $294,245.42 |
| 23 | $1,995.91 | $279.48 | $1,716.43 | $293,965.95 |
| 24 | $1,995.91 | $281.11 | $1,714.80 | $293,684.84 |
Meses 1–24 de 360
Preguntas frecuentes
- ¿Qué es la amortización?
- La amortización distribuye los pagos del préstamo en un período fijo para que cada pago cubra tanto los intereses como el capital. Los pagos iniciales son principalmente intereses; los posteriores son principalmente capital. En el último pago, el saldo llega a cero.
- ¿Por qué disminuye la porción de intereses cada mes?
- Cada pago reduce el saldo pendiente. Dado que el interés se calcula sobre el saldo restante, se acumula menos interés cada mes a medida que pagas el préstamo.
- ¿Puedo pagar mi préstamo antes?
- Sí. Los pagos adicionales se destinan directamente al capital, reduciendo tu saldo más rápido y ahorrando intereses significativos. Cuanto antes hagas pagos extra, mayor será el ahorro.
- ¿Qué es un calendario de amortización?
- Un calendario de amortización es una tabla completa que lista cada pago durante la vida del préstamo. Cada fila muestra el número de pago, el monto total, cuánto va a intereses, cuánto reduce el capital y el saldo restante.
- ¿Funciona esta calculadora para préstamos de auto y préstamos personales?
- Sí. Ingresa cualquier monto de préstamo, tasa de interés anual y plazo. Funciona para hipotecas, préstamos de auto, préstamos personales, préstamos estudiantiles o cualquier préstamo a tasa fija.
- ¿Cuánto interés total pagaré?
- El interés total se muestra en el resumen sobre el calendario. En una hipoteca de $300,000 al 7% a 30 años, el interés total supera $418,000, más que el monto original del préstamo.
- ¿Cómo reducen los pagos extra el interés total?
- Los pagos extra van íntegramente al capital, lo que reduce el saldo sobre el que se calculan los intereses futuros. Incluso $100 extra al mes en una hipoteca de 30 años puede eliminar años de pagos y ahorrar decenas de miles en intereses.
ACERCA DE ESTA HERRAMIENTA
Enter your loan amount, annual interest rate, and term to generate a full payment-by-payment amortization schedule. Each row shows the payment number, how much goes to interest, how much reduces principal, and the remaining balance afterward. It works for mortgages, auto loans, personal loans, and student loans alike. Because the schedule is calculated payment by payment rather than shown as a single monthly figure, you can pinpoint exactly when your balance crosses a certain threshold, how much interest you'll have paid by any given month, and how much faster you'd pay off the loan — and how much interest you'd save — by adding extra principal payments.
CÓMO USARLO
- Enter the loan principal, annual interest rate, and loan term.
- Generate the schedule to see every payment listed individually.
- Check any row to see the interest-vs-principal split for that payment.
- Watch the running balance column to track payoff progress.
- Re-run with a shorter term or extra payments to compare total interest.
- Use the total interest figure to compare loan offers side by side.
CASOS DE USO COMUNES
- A car buyer comparing a 60-month vs. 72-month auto loan to see the total interest difference.
- A homeowner checking how much of their balance will be paid off in 5 years to decide if refinancing then makes sense.
- A borrower figuring out how much interest they'd save by paying an extra $100 a month toward principal.
- A student loan borrower estimating how many payments remain before the balance drops below a certain amount.
- Someone comparing two lender offers with different rates and terms to see which has the lower total cost, not just the lower monthly payment.
CONSEJOS Y ERRORES COMUNES
- The monthly payment can look similar across different loans while total interest paid varies a lot — always compare the total interest column too.
- Extra payments applied to principal, especially early in the schedule, remove future interest rather than future payments — check the updated payoff date.
- Auto and personal loans often use the same amortization math as mortgages, just over shorter terms with different rates.
- Watch for loans with prepayment penalties — this calculator assumes no penalty for paying extra, which may not match your actual loan terms.
MÁS PREGUNTAS
- Why does the interest portion of my payment shrink over time even though the payment stays the same?
- In a standard amortizing loan, interest is charged only on the remaining balance. As you pay down principal, the balance drops, so each fixed payment includes a little less interest and a little more principal than the last.
- Can I use this for a loan with a variable rate?
- This schedule assumes a fixed rate for the full term. For a variable-rate loan, run the calculator separately for each rate period, since the amortization recalculates whenever the rate changes.
- How is this different from just knowing the monthly payment?
- The monthly payment alone doesn't tell you the balance at any point in time or how much total interest you're paying. The full schedule reveals that two loans with a similar payment can have very different total interest costs depending on the rate and term.
- Does an extra principal payment reduce my required monthly payment?
- No — an extra payment reduces the balance, which reduces future interest, but on most loans your required monthly payment stays the same and the loan simply pays off sooner. Some lenders allow re-amortization to lower the payment instead; check your loan terms.
GUÍAS RELACIONADAS
¿Qué es una hipoteca?
Cómo funcionan las hipotecas, qué significa PITI, cómo la amortización determina lo que pagas, y las tasas fijas frente a las variables explicadas.
¿Qué es la TAE?
La diferencia entre TAE y tasa de interés, cómo se calcula la TAE, qué comisiones se incluyen, cómo funciona la TAE de las tarjetas de crédito y TAE vs TAE efectiva.
Cómo funcionan las tasas de interés
Interés simple frente a compuesto, tasas fijas frente a variables, cómo la tasa de los fondos de la Fed afecta tus préstamos y ahorros, y la diferencia entre tasas nominales y reales.
How Loan Amortization Works
What amortization means, why early payments are mostly interest, how to read an amortization schedule, and when extra payments save money.
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