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Calculadora de Préstamos e Hipotecas
Calcula cuotas mensuales, intereses totales y tablas de amortización con simulador de pagos extra.
Moneda:
🏠
Hipoteca / Vivienda
Standard residential home mortgage with fixed-rate amortization schedule.
$
$10,000.00$3,000,000.00
%
0.5%15.0%30.0%
Años
Meses
1 Años40 Años
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Cuota MensualTipo Fijo
$2,212.24
Capital Total$350,000.00
Interés Total$446,404.05
Coste Total del Préstamo$796,404.05
Fecha de FinalizaciónSep 2056
Capital (43.9%)Interés (56.1%)
Consejo Financiero
Hacer pagos adicionales directamente al capital amortiza el préstamo más rápido y ahorra miles en intereses compuestos.
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Tabla de Amortización
Desglose detallado de pagos de capital, intereses devengados y saldo pendiente.
| Año | Saldo Inicial | Capital Pagado | Intereses Pagados | Pago Total | Saldo Final | Interés Acumulado |
|---|---|---|---|---|---|---|
| 2026 | $350,000.00 | $3,912.07 | $22,634.81 | $26,546.88 | $346,087.93 | $22,634.81 |
| 2027 | $346,087.93 | $4,174.08 | $22,372.80 | $26,546.88 | $341,913.85 | $45,007.61 |
| 2028 | $341,913.85 | $4,453.60 | $22,093.28 | $26,546.88 | $337,460.25 | $67,100.89 |
| 2029 | $337,460.25 | $4,751.87 | $21,795.01 | $26,546.88 | $332,708.38 | $88,895.90 |
| 2030 | $332,708.38 | $5,070.12 | $21,476.76 | $26,546.88 | $327,638.26 | $110,372.66 |
| 2031 | $327,638.26 | $5,409.67 | $21,137.21 | $26,546.88 | $322,228.59 | $131,509.87 |
| 2032 | $322,228.59 | $5,771.97 | $20,774.91 | $26,546.88 | $316,456.62 | $152,284.78 |
| 2033 | $316,456.62 | $6,158.55 | $20,388.33 | $26,546.88 | $310,298.07 | $172,673.11 |
| 2034 | $310,298.07 | $6,570.99 | $19,975.89 | $26,546.88 | $303,727.08 | $192,649.00 |
| 2035 | $303,727.08 | $7,011.04 | $19,535.84 | $26,546.88 | $296,716.04 | $212,184.84 |
| 2036 | $296,716.04 | $7,480.58 | $19,066.30 | $26,546.88 | $289,235.46 | $231,251.14 |
| 2037 | $289,235.46 | $7,981.57 | $18,565.31 | $26,546.88 | $281,253.89 | $249,816.45 |
| 2038 | $281,253.89 | $8,516.11 | $18,030.77 | $26,546.88 | $272,737.78 | $267,847.22 |
| 2039 | $272,737.78 | $9,086.44 | $17,460.44 | $26,546.88 | $263,651.34 | $285,307.66 |
| 2040 | $263,651.34 | $9,695.01 | $16,851.87 | $26,546.88 | $253,956.33 | $302,159.53 |
| 2041 | $253,956.33 | $10,344.28 | $16,202.60 | $26,546.88 | $243,612.05 | $318,362.13 |
| 2042 | $243,612.05 | $11,037.05 | $15,509.83 | $26,546.88 | $232,575.00 | $333,871.96 |
| 2043 | $232,575.00 | $11,776.25 | $14,770.63 | $26,546.88 | $220,798.75 | $348,642.59 |
| 2044 | $220,798.75 | $12,564.93 | $13,981.95 | $26,546.88 | $208,233.82 | $362,624.54 |
| 2045 | $208,233.82 | $13,406.40 | $13,140.48 | $26,546.88 | $194,827.42 | $375,765.02 |
| 2046 | $194,827.42 | $14,304.26 | $12,242.62 | $26,546.88 | $180,523.16 | $388,007.64 |
| 2047 | $180,523.16 | $15,262.23 | $11,284.65 | $26,546.88 | $165,260.93 | $399,292.29 |
| 2048 | $165,260.93 | $16,284.38 | $10,262.50 | $26,546.88 | $148,976.55 | $409,554.79 |
| 2049 | $148,976.55 | $17,374.98 | $9,171.90 | $26,546.88 | $131,601.57 | $418,726.69 |
| 2050 | $131,601.57 | $18,538.62 | $8,008.26 | $26,546.88 | $113,062.95 | $426,734.95 |
| 2051 | $113,062.95 | $19,780.18 | $6,766.70 | $26,546.88 | $93,282.77 | $433,501.65 |
| 2052 | $93,282.77 | $21,104.88 | $5,442.00 | $26,546.88 | $72,177.89 | $438,943.65 |
| 2053 | $72,177.89 | $22,518.33 | $4,028.55 | $26,546.88 | $49,659.56 | $442,972.20 |
| 2054 | $49,659.56 | $24,026.41 | $2,520.47 | $26,546.88 | $25,633.15 | $445,492.67 |
| 2055 | $25,633.15 | $25,633.15 | $911.38 | $26,544.53 | $0.00 | $446,404.05 |
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High-Precision Financial Amortization Engine
Calculadora de Préstamos — Amortización y Pagos Extra
Resumen: La calculadora de préstamos de MakerHub es una suite financiera 100% gratuita que calcula cuotas mensuales, costes de interés y cuadros de amortización.
Whether you are financing a 30-year home mortgage, an auto loan for a new car, or consolidating debt with a personal loan, understanding how monthly compound interest amortizes over time empowers you to save thousands in interest through targeted extra principal payments.
Loan Types, Typical APR Ranges & Amortization Terms
Compare common consumer loan structures to evaluate total borrowing cost across various term lengths:
| Loan Category | Standard Term | Average APR Range | Key Amortization Characteristic |
|---|---|---|---|
| 30-Year Fixed Mortgage | 360 Months | 6.0% – 7.5% | Interest front-loaded; majority of initial payments cover interest |
| 15-Year Fixed Mortgage | 180 Months | 5.5% – 6.8% | Higher monthly payment; saves 60%+ in total lifetime interest |
| New & Used Auto Loan | 36 – 72 Months | 5.0% – 11.0% | Simple interest; shorter terms prevent negative equity (underwater loan) |
| Unsecured Personal Loan | 24 – 60 Months | 7.9% – 24.0% | Fixed installments; ideal for high-interest credit card debt consolidation |
Cómo se calcula la cuota mensual: Fórmula francesa de amortización
Los préstamos de tipo fijo aplican la fórmula universal de anualidades:
E = [ P · r(1 + r)ⁿ ] / [ (1 + r)ⁿ − 1 ]
P = CapitalMonto total del préstamo financiado.
r = Tipo de Interés MensualTipo de interés anual dividido entre 12 y 100.
n = Número de PagosPlazo total en años multiplicado por 12 cuotas.
El Impacto del Pago Anticipado
Pagar capital por adelantado reduce de inmediato la base sobre la que se calculan los intereses futuros.
Tipo Fijo vs. Tipo Variable
- Fixed-Rate Mortgage:El tipo fijo ofrece total seguridad con cuotas invariables durante todo el plazo.
- Adjustable-Rate Mortgage (ARM):El tipo variable se ajusta periódicamente según índices de referencia como el Euríbor.
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Frequently Asked Questions
Everything You Need to Know About Loans & EMI
Clear answers to top questions about interest rates, amortization schedules, and loan payoff strategies.
Se calcula mediante la fórmula francesa de amortización aplicando el interés mensual sobre el saldo restante.