Hogar / Dinero
Calculadora de liquidación de hipoteca
Calcula la fecha de liquidación y el ahorro en intereses con pagos extra mensuales, anuales y únicos al capital, además de una tabla de amortización completa.
Calculadora de liquidación de hipoteca: Planifica pagos extra de la hipoteca a partir de tus ingresos habituales, una bonificación anual o una cantidad única. Compara la liquidación anticipada con el calendario restante a tipo fijo y consulta cada pago mensual de capital e intereses. Funciona al 100 % en tu navegador, sin subir archivos a ningún servidor.
- Se ejecuta
- En tu navegador
- Coste
- Gratis · sin registro
- Disponibilidad
- Lista para usar
Funciona por completo en tu navegador
Los pagos extra se destinan al capital junto con el pago programado. Los extras anuales comienzan en el pago 12; un extra único después de liquidar el préstamo no tiene efecto. El pago habitual se estima a partir del saldo y el plazo restante. No se incluyen una recalculación del préstamo, una cuenta de depósito en garantía ni una penalización por pago anticipado.
- Nueva fecha de liquidación
- Elige una fecha para el primer pago
- Intereses ahorrados ($)
- 49,138.41
- Meses ahorrados
- 65
- Capital e intereses mensuales habituales ($)
- 1,199.10
- Nuevos intereses totales ($)
- 182,537.97
- Pagos restantes
- 295
Tabla de amortización — 295 pagos
| Número de pago | Pago ($) | Capital ($) | Intereses ($) | Saldo ($) |
|---|---|---|---|---|
| 1 | 1,299.10 | 299.10 | 1,000.00 | 199,700.90 |
| 2 | 1,299.10 | 300.60 | 998.50 | 199,400.30 |
| 3 | 1,299.10 | 302.10 | 997.00 | 199,098.20 |
| 4 | 1,299.10 | 303.61 | 995.49 | 198,794.59 |
| 5 | 1,299.10 | 305.13 | 993.97 | 198,489.46 |
| 6 | 1,299.10 | 306.65 | 992.45 | 198,182.81 |
| 7 | 1,299.10 | 308.19 | 990.91 | 197,874.62 |
| 8 | 1,299.10 | 309.73 | 989.37 | 197,564.90 |
| 9 | 1,299.10 | 311.28 | 987.82 | 197,253.62 |
| 10 | 1,299.10 | 312.83 | 986.27 | 196,940.79 |
| 11 | 1,299.10 | 314.40 | 984.70 | 196,626.39 |
| 12 | 1,299.10 | 315.97 | 983.13 | 196,310.42 |
| 13 | 1,299.10 | 317.55 | 981.55 | 195,992.87 |
| 14 | 1,299.10 | 319.14 | 979.96 | 195,673.73 |
| 15 | 1,299.10 | 320.73 | 978.37 | 195,353.00 |
| 16 | 1,299.10 | 322.34 | 976.77 | 195,030.67 |
| 17 | 1,299.10 | 323.95 | 975.15 | 194,706.72 |
| 18 | 1,299.10 | 325.57 | 973.53 | 194,381.15 |
| 19 | 1,299.10 | 327.20 | 971.91 | 194,053.96 |
| 20 | 1,299.10 | 328.83 | 970.27 | 193,725.12 |
| 21 | 1,299.10 | 330.48 | 968.63 | 193,394.65 |
| 22 | 1,299.10 | 332.13 | 966.97 | 193,062.52 |
| 23 | 1,299.10 | 333.79 | 965.31 | 192,728.73 |
| 24 | 1,299.10 | 335.46 | 963.64 | 192,393.28 |
| 25 | 1,299.10 | 337.13 | 961.97 | 192,056.14 |
| 26 | 1,299.10 | 338.82 | 960.28 | 191,717.32 |
| 27 | 1,299.10 | 340.51 | 958.59 | 191,376.81 |
| 28 | 1,299.10 | 342.22 | 956.88 | 191,034.59 |
| 29 | 1,299.10 | 343.93 | 955.17 | 190,690.66 |
| 30 | 1,299.10 | 345.65 | 953.45 | 190,345.01 |
| 31 | 1,299.10 | 347.38 | 951.73 | 189,997.64 |
| 32 | 1,299.10 | 349.11 | 949.99 | 189,648.52 |
| 33 | 1,299.10 | 350.86 | 948.24 | 189,297.67 |
| 34 | 1,299.10 | 352.61 | 946.49 | 188,945.05 |
| 35 | 1,299.10 | 354.38 | 944.73 | 188,590.68 |
| 36 | 1,299.10 | 356.15 | 942.95 | 188,234.53 |
| 37 | 1,299.10 | 357.93 | 941.17 | 187,876.60 |
| 38 | 1,299.10 | 359.72 | 939.38 | 187,516.88 |
| 39 | 1,299.10 | 361.52 | 937.58 | 187,155.37 |
| 40 | 1,299.10 | 363.32 | 935.78 | 186,792.04 |
| 41 | 1,299.10 | 365.14 | 933.96 | 186,426.90 |
| 42 | 1,299.10 | 366.97 | 932.13 | 186,059.94 |
| 43 | 1,299.10 | 368.80 | 930.30 | 185,691.13 |
| 44 | 1,299.10 | 370.65 | 928.46 | 185,320.49 |
| 45 | 1,299.10 | 372.50 | 926.60 | 184,947.99 |
| 46 | 1,299.10 | 374.36 | 924.74 | 184,573.63 |
| 47 | 1,299.10 | 376.23 | 922.87 | 184,197.40 |
| 48 | 1,299.10 | 378.11 | 920.99 | 183,819.28 |
| 49 | 1,299.10 | 380.00 | 919.10 | 183,439.28 |
| 50 | 1,299.10 | 381.90 | 917.20 | 183,057.37 |
| 51 | 1,299.10 | 383.81 | 915.29 | 182,673.56 |
| 52 | 1,299.10 | 385.73 | 913.37 | 182,287.82 |
| 53 | 1,299.10 | 387.66 | 911.44 | 181,900.16 |
| 54 | 1,299.10 | 389.60 | 909.50 | 181,510.56 |
| 55 | 1,299.10 | 391.55 | 907.55 | 181,119.01 |
| 56 | 1,299.10 | 393.51 | 905.60 | 180,725.51 |
| 57 | 1,299.10 | 395.47 | 903.63 | 180,330.03 |
| 58 | 1,299.10 | 397.45 | 901.65 | 179,932.58 |
| 59 | 1,299.10 | 399.44 | 899.66 | 179,533.15 |
| 60 | 1,299.10 | 401.44 | 897.67 | 179,131.71 |
| 61 | 1,299.10 | 403.44 | 895.66 | 178,728.27 |
| 62 | 1,299.10 | 405.46 | 893.64 | 178,322.81 |
| 63 | 1,299.10 | 407.49 | 891.61 | 177,915.32 |
| 64 | 1,299.10 | 409.52 | 889.58 | 177,505.80 |
| 65 | 1,299.10 | 411.57 | 887.53 | 177,094.22 |
| 66 | 1,299.10 | 413.63 | 885.47 | 176,680.59 |
| 67 | 1,299.10 | 415.70 | 883.40 | 176,264.90 |
| 68 | 1,299.10 | 417.78 | 881.32 | 175,847.12 |
| 69 | 1,299.10 | 419.87 | 879.24 | 175,427.25 |
| 70 | 1,299.10 | 421.96 | 877.14 | 175,005.29 |
| 71 | 1,299.10 | 424.07 | 875.03 | 174,581.22 |
| 72 | 1,299.10 | 426.19 | 872.91 | 174,155.02 |
| 73 | 1,299.10 | 428.33 | 870.78 | 173,726.69 |
| 74 | 1,299.10 | 430.47 | 868.63 | 173,296.23 |
| 75 | 1,299.10 | 432.62 | 866.48 | 172,863.61 |
| 76 | 1,299.10 | 434.78 | 864.32 | 172,428.82 |
| 77 | 1,299.10 | 436.96 | 862.14 | 171,991.87 |
| 78 | 1,299.10 | 439.14 | 859.96 | 171,552.73 |
| 79 | 1,299.10 | 441.34 | 857.76 | 171,111.39 |
| 80 | 1,299.10 | 443.54 | 855.56 | 170,667.84 |
| 81 | 1,299.10 | 445.76 | 853.34 | 170,222.08 |
| 82 | 1,299.10 | 447.99 | 851.11 | 169,774.09 |
| 83 | 1,299.10 | 450.23 | 848.87 | 169,323.86 |
| 84 | 1,299.10 | 452.48 | 846.62 | 168,871.38 |
| 85 | 1,299.10 | 454.74 | 844.36 | 168,416.63 |
| 86 | 1,299.10 | 457.02 | 842.08 | 167,959.62 |
| 87 | 1,299.10 | 459.30 | 839.80 | 167,500.31 |
| 88 | 1,299.10 | 461.60 | 837.50 | 167,038.71 |
| 89 | 1,299.10 | 463.91 | 835.19 | 166,574.81 |
| 90 | 1,299.10 | 466.23 | 832.87 | 166,108.58 |
| 91 | 1,299.10 | 468.56 | 830.54 | 165,640.02 |
| 92 | 1,299.10 | 470.90 | 828.20 | 165,169.12 |
| 93 | 1,299.10 | 473.26 | 825.85 | 164,695.87 |
| 94 | 1,299.10 | 475.62 | 823.48 | 164,220.24 |
| 95 | 1,299.10 | 478.00 | 821.10 | 163,742.24 |
| 96 | 1,299.10 | 480.39 | 818.71 | 163,261.85 |
| 97 | 1,299.10 | 482.79 | 816.31 | 162,779.06 |
| 98 | 1,299.10 | 485.21 | 813.90 | 162,293.86 |
| 99 | 1,299.10 | 487.63 | 811.47 | 161,806.22 |
| 100 | 1,299.10 | 490.07 | 809.03 | 161,316.15 |
| 101 | 1,299.10 | 492.52 | 806.58 | 160,823.63 |
| 102 | 1,299.10 | 494.98 | 804.12 | 160,328.65 |
| 103 | 1,299.10 | 497.46 | 801.64 | 159,831.19 |
| 104 | 1,299.10 | 499.95 | 799.16 | 159,331.25 |
| 105 | 1,299.10 | 502.44 | 796.66 | 158,828.80 |
| 106 | 1,299.10 | 504.96 | 794.14 | 158,323.85 |
| 107 | 1,299.10 | 507.48 | 791.62 | 157,816.37 |
| 108 | 1,299.10 | 510.02 | 789.08 | 157,306.35 |
| 109 | 1,299.10 | 512.57 | 786.53 | 156,793.78 |
| 110 | 1,299.10 | 515.13 | 783.97 | 156,278.64 |
| 111 | 1,299.10 | 517.71 | 781.39 | 155,760.94 |
| 112 | 1,299.10 | 520.30 | 778.80 | 155,240.64 |
| 113 | 1,299.10 | 522.90 | 776.20 | 154,717.74 |
| 114 | 1,299.10 | 525.51 | 773.59 | 154,192.23 |
| 115 | 1,299.10 | 528.14 | 770.96 | 153,664.09 |
| 116 | 1,299.10 | 530.78 | 768.32 | 153,133.31 |
| 117 | 1,299.10 | 533.43 | 765.67 | 152,599.88 |
| 118 | 1,299.10 | 536.10 | 763.00 | 152,063.77 |
| 119 | 1,299.10 | 538.78 | 760.32 | 151,524.99 |
| 120 | 1,299.10 | 541.48 | 757.62 | 150,983.52 |
| 121 | 1,299.10 | 544.18 | 754.92 | 150,439.33 |
| 122 | 1,299.10 | 546.90 | 752.20 | 149,892.43 |
| 123 | 1,299.10 | 549.64 | 749.46 | 149,342.79 |
| 124 | 1,299.10 | 552.39 | 746.71 | 148,790.40 |
| 125 | 1,299.10 | 555.15 | 743.95 | 148,235.25 |
| 126 | 1,299.10 | 557.92 | 741.18 | 147,677.33 |
| 127 | 1,299.10 | 560.71 | 738.39 | 147,116.61 |
| 128 | 1,299.10 | 563.52 | 735.58 | 146,553.10 |
| 129 | 1,299.10 | 566.34 | 732.77 | 145,986.76 |
| 130 | 1,299.10 | 569.17 | 729.93 | 145,417.59 |
| 131 | 1,299.10 | 572.01 | 727.09 | 144,845.58 |
| 132 | 1,299.10 | 574.87 | 724.23 | 144,270.71 |
| 133 | 1,299.10 | 577.75 | 721.35 | 143,692.96 |
| 134 | 1,299.10 | 580.64 | 718.46 | 143,112.32 |
| 135 | 1,299.10 | 583.54 | 715.56 | 142,528.78 |
| 136 | 1,299.10 | 586.46 | 712.64 | 141,942.33 |
| 137 | 1,299.10 | 589.39 | 709.71 | 141,352.94 |
| 138 | 1,299.10 | 592.34 | 706.76 | 140,760.60 |
| 139 | 1,299.10 | 595.30 | 703.80 | 140,165.30 |
| 140 | 1,299.10 | 598.27 | 700.83 | 139,567.03 |
| 141 | 1,299.10 | 601.27 | 697.84 | 138,965.76 |
| 142 | 1,299.10 | 604.27 | 694.83 | 138,361.49 |
| 143 | 1,299.10 | 607.29 | 691.81 | 137,754.20 |
| 144 | 1,299.10 | 610.33 | 688.77 | 137,143.87 |
| 145 | 1,299.10 | 613.38 | 685.72 | 136,530.48 |
| 146 | 1,299.10 | 616.45 | 682.65 | 135,914.04 |
| 147 | 1,299.10 | 619.53 | 679.57 | 135,294.50 |
| 148 | 1,299.10 | 622.63 | 676.47 | 134,671.88 |
| 149 | 1,299.10 | 625.74 | 673.36 | 134,046.13 |
| 150 | 1,299.10 | 628.87 | 670.23 | 133,417.26 |
| 151 | 1,299.10 | 632.01 | 667.09 | 132,785.25 |
| 152 | 1,299.10 | 635.17 | 663.93 | 132,150.07 |
| 153 | 1,299.10 | 638.35 | 660.75 | 131,511.72 |
| 154 | 1,299.10 | 641.54 | 657.56 | 130,870.18 |
| 155 | 1,299.10 | 644.75 | 654.35 | 130,225.43 |
| 156 | 1,299.10 | 647.97 | 651.13 | 129,577.46 |
| 157 | 1,299.10 | 651.21 | 647.89 | 128,926.24 |
| 158 | 1,299.10 | 654.47 | 644.63 | 128,271.77 |
| 159 | 1,299.10 | 657.74 | 641.36 | 127,614.03 |
| 160 | 1,299.10 | 661.03 | 638.07 | 126,953.00 |
| 161 | 1,299.10 | 664.34 | 634.77 | 126,288.66 |
| 162 | 1,299.10 | 667.66 | 631.44 | 125,621.01 |
| 163 | 1,299.10 | 671.00 | 628.11 | 124,950.01 |
| 164 | 1,299.10 | 674.35 | 624.75 | 124,275.66 |
| 165 | 1,299.10 | 677.72 | 621.38 | 123,597.94 |
| 166 | 1,299.10 | 681.11 | 617.99 | 122,916.83 |
| 167 | 1,299.10 | 684.52 | 614.58 | 122,232.31 |
| 168 | 1,299.10 | 687.94 | 611.16 | 121,544.37 |
| 169 | 1,299.10 | 691.38 | 607.72 | 120,852.99 |
| 170 | 1,299.10 | 694.84 | 604.26 | 120,158.15 |
| 171 | 1,299.10 | 698.31 | 600.79 | 119,459.84 |
| 172 | 1,299.10 | 701.80 | 597.30 | 118,758.04 |
| 173 | 1,299.10 | 705.31 | 593.79 | 118,052.73 |
| 174 | 1,299.10 | 708.84 | 590.26 | 117,343.89 |
| 175 | 1,299.10 | 712.38 | 586.72 | 116,631.51 |
| 176 | 1,299.10 | 715.94 | 583.16 | 115,915.57 |
| 177 | 1,299.10 | 719.52 | 579.58 | 115,196.05 |
| 178 | 1,299.10 | 723.12 | 575.98 | 114,472.92 |
| 179 | 1,299.10 | 726.74 | 572.36 | 113,746.19 |
| 180 | 1,299.10 | 730.37 | 568.73 | 113,015.82 |
| 181 | 1,299.10 | 734.02 | 565.08 | 112,281.80 |
| 182 | 1,299.10 | 737.69 | 561.41 | 111,544.10 |
| 183 | 1,299.10 | 741.38 | 557.72 | 110,802.72 |
| 184 | 1,299.10 | 745.09 | 554.01 | 110,057.64 |
| 185 | 1,299.10 | 748.81 | 550.29 | 109,308.82 |
| 186 | 1,299.10 | 752.56 | 546.54 | 108,556.27 |
| 187 | 1,299.10 | 756.32 | 542.78 | 107,799.95 |
| 188 | 1,299.10 | 760.10 | 539.00 | 107,039.84 |
| 189 | 1,299.10 | 763.90 | 535.20 | 106,275.94 |
| 190 | 1,299.10 | 767.72 | 531.38 | 105,508.22 |
| 191 | 1,299.10 | 771.56 | 527.54 | 104,736.66 |
| 192 | 1,299.10 | 775.42 | 523.68 | 103,961.24 |
| 193 | 1,299.10 | 779.29 | 519.81 | 103,181.95 |
| 194 | 1,299.10 | 783.19 | 515.91 | 102,398.76 |
| 195 | 1,299.10 | 787.11 | 511.99 | 101,611.65 |
| 196 | 1,299.10 | 791.04 | 508.06 | 100,820.61 |
| 197 | 1,299.10 | 795.00 | 504.10 | 100,025.61 |
| 198 | 1,299.10 | 798.97 | 500.13 | 99,226.64 |
| 199 | 1,299.10 | 802.97 | 496.13 | 98,423.67 |
| 200 | 1,299.10 | 806.98 | 492.12 | 97,616.69 |
| 201 | 1,299.10 | 811.02 | 488.08 | 96,805.67 |
| 202 | 1,299.10 | 815.07 | 484.03 | 95,990.60 |
| 203 | 1,299.10 | 819.15 | 479.95 | 95,171.45 |
| 204 | 1,299.10 | 823.24 | 475.86 | 94,348.20 |
| 205 | 1,299.10 | 827.36 | 471.74 | 93,520.84 |
| 206 | 1,299.10 | 831.50 | 467.60 | 92,689.35 |
| 207 | 1,299.10 | 835.65 | 463.45 | 91,853.69 |
| 208 | 1,299.10 | 839.83 | 459.27 | 91,013.86 |
| 209 | 1,299.10 | 844.03 | 455.07 | 90,169.83 |
| 210 | 1,299.10 | 848.25 | 450.85 | 89,321.58 |
| 211 | 1,299.10 | 852.49 | 446.61 | 88,469.08 |
| 212 | 1,299.10 | 856.76 | 442.35 | 87,612.33 |
| 213 | 1,299.10 | 861.04 | 438.06 | 86,751.29 |
| 214 | 1,299.10 | 865.34 | 433.76 | 85,885.94 |
| 215 | 1,299.10 | 869.67 | 429.43 | 85,016.27 |
| 216 | 1,299.10 | 874.02 | 425.08 | 84,142.25 |
| 217 | 1,299.10 | 878.39 | 420.71 | 83,263.86 |
| 218 | 1,299.10 | 882.78 | 416.32 | 82,381.08 |
| 219 | 1,299.10 | 887.20 | 411.91 | 81,493.89 |
| 220 | 1,299.10 | 891.63 | 407.47 | 80,602.25 |
| 221 | 1,299.10 | 896.09 | 403.01 | 79,706.16 |
| 222 | 1,299.10 | 900.57 | 398.53 | 78,805.59 |
| 223 | 1,299.10 | 905.07 | 394.03 | 77,900.52 |
| 224 | 1,299.10 | 909.60 | 389.50 | 76,990.92 |
| 225 | 1,299.10 | 914.15 | 384.95 | 76,076.78 |
| 226 | 1,299.10 | 918.72 | 380.38 | 75,158.06 |
| 227 | 1,299.10 | 923.31 | 375.79 | 74,234.75 |
| 228 | 1,299.10 | 927.93 | 371.17 | 73,306.82 |
| 229 | 1,299.10 | 932.57 | 366.53 | 72,374.25 |
| 230 | 1,299.10 | 937.23 | 361.87 | 71,437.02 |
| 231 | 1,299.10 | 941.92 | 357.19 | 70,495.11 |
| 232 | 1,299.10 | 946.63 | 352.48 | 69,548.48 |
| 233 | 1,299.10 | 951.36 | 347.74 | 68,597.12 |
| 234 | 1,299.10 | 956.12 | 342.99 | 67,641.01 |
| 235 | 1,299.10 | 960.90 | 338.21 | 66,680.11 |
| 236 | 1,299.10 | 965.70 | 333.40 | 65,714.41 |
| 237 | 1,299.10 | 970.53 | 328.57 | 64,743.88 |
| 238 | 1,299.10 | 975.38 | 323.72 | 63,768.50 |
| 239 | 1,299.10 | 980.26 | 318.84 | 62,788.24 |
| 240 | 1,299.10 | 985.16 | 313.94 | 61,803.08 |
| 241 | 1,299.10 | 990.09 | 309.02 | 60,813.00 |
| 242 | 1,299.10 | 995.04 | 304.06 | 59,817.96 |
| 243 | 1,299.10 | 1,000.01 | 299.09 | 58,817.95 |
| 244 | 1,299.10 | 1,005.01 | 294.09 | 57,812.94 |
| 245 | 1,299.10 | 1,010.04 | 289.06 | 56,802.90 |
| 246 | 1,299.10 | 1,015.09 | 284.01 | 55,787.82 |
| 247 | 1,299.10 | 1,020.16 | 278.94 | 54,767.65 |
| 248 | 1,299.10 | 1,025.26 | 273.84 | 53,742.39 |
| 249 | 1,299.10 | 1,030.39 | 268.71 | 52,712.00 |
| 250 | 1,299.10 | 1,035.54 | 263.56 | 51,676.46 |
| 251 | 1,299.10 | 1,040.72 | 258.38 | 50,635.74 |
| 252 | 1,299.10 | 1,045.92 | 253.18 | 49,589.82 |
| 253 | 1,299.10 | 1,051.15 | 247.95 | 48,538.67 |
| 254 | 1,299.10 | 1,056.41 | 242.69 | 47,482.26 |
| 255 | 1,299.10 | 1,061.69 | 237.41 | 46,420.57 |
| 256 | 1,299.10 | 1,067.00 | 232.10 | 45,353.57 |
| 257 | 1,299.10 | 1,072.33 | 226.77 | 44,281.24 |
| 258 | 1,299.10 | 1,077.69 | 221.41 | 43,203.54 |
| 259 | 1,299.10 | 1,083.08 | 216.02 | 42,120.46 |
| 260 | 1,299.10 | 1,088.50 | 210.60 | 41,031.96 |
| 261 | 1,299.10 | 1,093.94 | 205.16 | 39,938.02 |
| 262 | 1,299.10 | 1,099.41 | 199.69 | 38,838.61 |
| 263 | 1,299.10 | 1,104.91 | 194.19 | 37,733.70 |
| 264 | 1,299.10 | 1,110.43 | 188.67 | 36,623.27 |
| 265 | 1,299.10 | 1,115.98 | 183.12 | 35,507.28 |
| 266 | 1,299.10 | 1,121.56 | 177.54 | 34,385.72 |
| 267 | 1,299.10 | 1,127.17 | 171.93 | 33,258.55 |
| 268 | 1,299.10 | 1,132.81 | 166.29 | 32,125.74 |
| 269 | 1,299.10 | 1,138.47 | 160.63 | 30,987.27 |
| 270 | 1,299.10 | 1,144.16 | 154.94 | 29,843.10 |
| 271 | 1,299.10 | 1,149.89 | 149.22 | 28,693.22 |
| 272 | 1,299.10 | 1,155.63 | 143.47 | 27,537.58 |
| 273 | 1,299.10 | 1,161.41 | 137.69 | 26,376.17 |
| 274 | 1,299.10 | 1,167.22 | 131.88 | 25,208.95 |
| 275 | 1,299.10 | 1,173.06 | 126.04 | 24,035.89 |
| 276 | 1,299.10 | 1,178.92 | 120.18 | 22,856.97 |
| 277 | 1,299.10 | 1,184.82 | 114.28 | 21,672.15 |
| 278 | 1,299.10 | 1,190.74 | 108.36 | 20,481.41 |
| 279 | 1,299.10 | 1,196.69 | 102.41 | 19,284.72 |
| 280 | 1,299.10 | 1,202.68 | 96.42 | 18,082.04 |
| 281 | 1,299.10 | 1,208.69 | 90.41 | 16,873.35 |
| 282 | 1,299.10 | 1,214.73 | 84.37 | 15,658.62 |
| 283 | 1,299.10 | 1,220.81 | 78.29 | 14,437.81 |
| 284 | 1,299.10 | 1,226.91 | 72.19 | 13,210.90 |
| 285 | 1,299.10 | 1,233.05 | 66.05 | 11,977.85 |
| 286 | 1,299.10 | 1,239.21 | 59.89 | 10,738.64 |
| 287 | 1,299.10 | 1,245.41 | 53.69 | 9,493.23 |
| 288 | 1,299.10 | 1,251.63 | 47.47 | 8,241.60 |
| 289 | 1,299.10 | 1,257.89 | 41.21 | 6,983.70 |
| 290 | 1,299.10 | 1,264.18 | 34.92 | 5,719.52 |
| 291 | 1,299.10 | 1,270.50 | 28.60 | 4,449.02 |
| 292 | 1,299.10 | 1,276.86 | 22.25 | 3,172.16 |
| 293 | 1,299.10 | 1,283.24 | 15.86 | 1,888.92 |
| 294 | 1,299.10 | 1,289.66 | 9.44 | 599.26 |
| 295 | 602.26 | 599.26 | 3.00 | 0.00 |
Calendario mensual
OpenStax: amortización de préstamos: https://openstax.org/books/principles-finance-2e/pages/8-3-loan-amortization explica cómo los pagos periódicos reducen un préstamo. Con una tasa mensual r y n pagos, pago = principal × r / (1 − (1 + r)^−n); con interés cero, divide el principal entre n.
Cada mes se suman los intereses al saldo inicial antes de aplicar el pago periódico y los importes adicionales. El pago final se limita al importe adeudado. Los importes se calculan con precisión completa y se muestran con dos decimales.
Fechas y principal adicional
El primer pago programado es el pago 1. Los pagos posteriores se realizan el mismo día del mes, ajustándose al último día del mes cuando es necesario. Las fechas suponen pagos mensuales ininterrumpidos.
CFPB: penalizaciones por pago anticipado: https://www.consumerfinance.gov/ask-cfpb/what-is-a-prepayment-penalty-en-1957/ explica por qué las condiciones del préstamo son importantes al pagar antes de tiempo. Este modelo excluye las penalizaciones, la cuenta de garantía y la reestructuración de la hipoteca.
Cómo se usa
- Introduce el saldo pendiente de tu hipoteca, el tipo de interés y el plazo.
- Añade pagos extra mensuales, anuales o únicos y elige la fecha del primer pago.
- Consulta la nueva fecha de liquidación y abre la tabla de amortización.
Privacidad y límites
Todos los cálculos se realizan en tu navegador. No se suben datos financieros.
Herramientas relacionadas
Preguntas frecuentes
¿Cuándo se realiza el pago extra anual?
En los pagos 12, 24, 36 y en cada múltiplo posterior de 12. Para un pago único se utiliza el número de pago que introduzcas.
¿Pagar de más reduce mi cuota habitual?
El cálculo mantiene sin cambios la cuota habitual de capital e intereses y acorta el plazo. No contempla una revisión de las condiciones de la hipoteca.
¿Qué ocurre si mi hipoteca tiene una comisión por amortización anticipada?
Esta estimación no descuenta comisiones. Revisa las condiciones de tu préstamo y cómo aplica tu entidad los pagos extra al capital antes de confiar en el ahorro calculado.
Herramienta gratuita · se ejecuta en tu navegador · sin cuenta