Calculadora de calendario de amortización

Genera un calendario de amortización con desglose mensual, saldo restante e interés total.

Genera un calendario de amortización con desglose mensual de pagos.

Capital del préstamo

Saldo inicial del préstamo.

Tasa de interés (APR)

Tasa anual usada para interés.

Plazo

Duración del préstamo en años.

años

Pago extra mensual

Pago extra opcional al capital cada mes.

Pago mensual (base)

$2,275

Tiempo para pagar

360 meses

Interés total

$459,160

Total pagado

$819,160

Saldo restante

Periodo	Valor
1	359,674.56
60	336,999.52
120	305,194.05
180	261,212.91
240	200,395.02
300	116,294.98
360	0

Los resultados son estimaciones con fines informativos.

Calendario de amortización

Mes	Pago	Capital	Interés	Saldo
1	$2,275	$325	$1,950	$359,675
2	$2,275	$327	$1,948	$359,347
3	$2,275	$329	$1,946	$359,018
4	$2,275	$331	$1,945	$358,688
5	$2,275	$333	$1,943	$358,355
6	$2,275	$334	$1,941	$358,021
7	$2,275	$336	$1,939	$357,685
8	$2,275	$338	$1,937	$357,347
9	$2,275	$340	$1,936	$357,007
10	$2,275	$342	$1,934	$356,665
11	$2,275	$344	$1,932	$356,322
12	$2,275	$345	$1,930	$355,976
13	$2,275	$347	$1,928	$355,629
14	$2,275	$349	$1,926	$355,280
15	$2,275	$351	$1,924	$354,929
16	$2,275	$353	$1,923	$354,576
17	$2,275	$355	$1,921	$354,221
18	$2,275	$357	$1,919	$353,864
19	$2,275	$359	$1,917	$353,506
20	$2,275	$361	$1,915	$353,145
21	$2,275	$363	$1,913	$352,782
22	$2,275	$365	$1,911	$352,418
23	$2,275	$367	$1,909	$352,051
24	$2,275	$368	$1,907	$351,683
25	$2,275	$370	$1,905	$351,312
26	$2,275	$373	$1,903	$350,940
27	$2,275	$375	$1,901	$350,565
28	$2,275	$377	$1,899	$350,189
29	$2,275	$379	$1,897	$349,810
30	$2,275	$381	$1,895	$349,430
31	$2,275	$383	$1,893	$349,047
32	$2,275	$385	$1,891	$348,662
33	$2,275	$387	$1,889	$348,275
34	$2,275	$389	$1,886	$347,886
35	$2,275	$391	$1,884	$347,495
36	$2,275	$393	$1,882	$347,102
37	$2,275	$395	$1,880	$346,707
38	$2,275	$397	$1,878	$346,309
39	$2,275	$400	$1,876	$345,910
40	$2,275	$402	$1,874	$345,508
41	$2,275	$404	$1,872	$345,104
42	$2,275	$406	$1,869	$344,698
43	$2,275	$408	$1,867	$344,290
44	$2,275	$411	$1,865	$343,879
45	$2,275	$413	$1,863	$343,466
46	$2,275	$415	$1,860	$343,051
47	$2,275	$417	$1,858	$342,634
48	$2,275	$420	$1,856	$342,214
49	$2,275	$422	$1,854	$341,793
50	$2,275	$424	$1,851	$341,369
51	$2,275	$426	$1,849	$340,942
52	$2,275	$429	$1,847	$340,514
53	$2,275	$431	$1,844	$340,083
54	$2,275	$433	$1,842	$339,649
55	$2,275	$436	$1,840	$339,214
56	$2,275	$438	$1,837	$338,776
57	$2,275	$440	$1,835	$338,335
58	$2,275	$443	$1,833	$337,892
59	$2,275	$445	$1,830	$337,447
60	$2,275	$448	$1,828	$337,000
61	$2,275	$450	$1,825	$336,549
62	$2,275	$452	$1,823	$336,097
63	$2,275	$455	$1,821	$335,642
64	$2,275	$457	$1,818	$335,185
65	$2,275	$460	$1,816	$334,725
66	$2,275	$462	$1,813	$334,263
67	$2,275	$465	$1,811	$333,798
68	$2,275	$467	$1,808	$333,330
69	$2,275	$470	$1,806	$332,860
70	$2,275	$472	$1,803	$332,388
71	$2,275	$475	$1,800	$331,913
72	$2,275	$478	$1,798	$331,435
73	$2,275	$480	$1,795	$330,955
74	$2,275	$483	$1,793	$330,472
75	$2,275	$485	$1,790	$329,987
76	$2,275	$488	$1,787	$329,499
77	$2,275	$491	$1,785	$329,008
78	$2,275	$493	$1,782	$328,515
79	$2,275	$496	$1,779	$328,019
80	$2,275	$499	$1,777	$327,520
81	$2,275	$501	$1,774	$327,019
82	$2,275	$504	$1,771	$326,515
83	$2,275	$507	$1,769	$326,008
84	$2,275	$510	$1,766	$325,498
85	$2,275	$512	$1,763	$324,986
86	$2,275	$515	$1,760	$324,471
87	$2,275	$518	$1,758	$323,953
88	$2,275	$521	$1,755	$323,432
89	$2,275	$524	$1,752	$322,909
90	$2,275	$526	$1,749	$322,383
91	$2,275	$529	$1,746	$321,853
92	$2,275	$532	$1,743	$321,321
93	$2,275	$535	$1,740	$320,786
94	$2,275	$538	$1,738	$320,248
95	$2,275	$541	$1,735	$319,708
96	$2,275	$544	$1,732	$319,164
97	$2,275	$547	$1,729	$318,617
98	$2,275	$550	$1,726	$318,068
99	$2,275	$553	$1,723	$317,515
100	$2,275	$556	$1,720	$316,960
101	$2,275	$559	$1,717	$316,401
102	$2,275	$562	$1,714	$315,839
103	$2,275	$565	$1,711	$315,275
104	$2,275	$568	$1,708	$314,707
105	$2,275	$571	$1,705	$314,136
106	$2,275	$574	$1,702	$313,562
107	$2,275	$577	$1,698	$312,985
108	$2,275	$580	$1,695	$312,405
109	$2,275	$583	$1,692	$311,822
110	$2,275	$586	$1,689	$311,236
111	$2,275	$590	$1,686	$310,646
112	$2,275	$593	$1,683	$310,053
113	$2,275	$596	$1,679	$309,457
114	$2,275	$599	$1,676	$308,858
115	$2,275	$602	$1,673	$308,256
116	$2,275	$606	$1,670	$307,650
117	$2,275	$609	$1,666	$307,041
118	$2,275	$612	$1,663	$306,429
119	$2,275	$616	$1,660	$305,813
120	$2,275	$619	$1,656	$305,194
121	$2,275	$622	$1,653	$304,572
122	$2,275	$626	$1,650	$303,946
123	$2,275	$629	$1,646	$303,317
124	$2,275	$632	$1,643	$302,685
125	$2,275	$636	$1,640	$302,049
126	$2,275	$639	$1,636	$301,409
127	$2,275	$643	$1,633	$300,766
128	$2,275	$646	$1,629	$300,120
129	$2,275	$650	$1,626	$299,470
130	$2,275	$653	$1,622	$298,817
131	$2,275	$657	$1,619	$298,160
132	$2,275	$660	$1,615	$297,500
133	$2,275	$664	$1,611	$296,836
134	$2,275	$668	$1,608	$296,168
135	$2,275	$671	$1,604	$295,497
136	$2,275	$675	$1,601	$294,822
137	$2,275	$678	$1,597	$294,144
138	$2,275	$682	$1,593	$293,462
139	$2,275	$686	$1,590	$292,776
140	$2,275	$690	$1,586	$292,086
141	$2,275	$693	$1,582	$291,393
142	$2,275	$697	$1,578	$290,696
143	$2,275	$701	$1,575	$289,995
144	$2,275	$705	$1,571	$289,290
145	$2,275	$708	$1,567	$288,582
146	$2,275	$712	$1,563	$287,869
147	$2,275	$716	$1,559	$287,153
148	$2,275	$720	$1,555	$286,433
149	$2,275	$724	$1,552	$285,709
150	$2,275	$728	$1,548	$284,982
151	$2,275	$732	$1,544	$284,250
152	$2,275	$736	$1,540	$283,514
153	$2,275	$740	$1,536	$282,774
154	$2,275	$744	$1,532	$282,030
155	$2,275	$748	$1,528	$281,283
156	$2,275	$752	$1,524	$280,531
157	$2,275	$756	$1,520	$279,775
158	$2,275	$760	$1,515	$279,015
159	$2,275	$764	$1,511	$278,251
160	$2,275	$768	$1,507	$277,483
161	$2,275	$772	$1,503	$276,710
162	$2,275	$777	$1,499	$275,934
163	$2,275	$781	$1,495	$275,153
164	$2,275	$785	$1,490	$274,368
165	$2,275	$789	$1,486	$273,578
166	$2,275	$794	$1,482	$272,785
167	$2,275	$798	$1,478	$271,987
168	$2,275	$802	$1,473	$271,185
169	$2,275	$807	$1,469	$270,378
170	$2,275	$811	$1,465	$269,567
171	$2,275	$815	$1,460	$268,752
172	$2,275	$820	$1,456	$267,932
173	$2,275	$824	$1,451	$267,108
174	$2,275	$829	$1,447	$266,280
175	$2,275	$833	$1,442	$265,447
176	$2,275	$838	$1,438	$264,609
177	$2,275	$842	$1,433	$263,767
178	$2,275	$847	$1,429	$262,920
179	$2,275	$851	$1,424	$262,069
180	$2,275	$856	$1,420	$261,213
181	$2,275	$861	$1,415	$260,352
182	$2,275	$865	$1,410	$259,487
183	$2,275	$870	$1,406	$258,617
184	$2,275	$875	$1,401	$257,743
185	$2,275	$879	$1,396	$256,863
186	$2,275	$884	$1,391	$255,979
187	$2,275	$889	$1,387	$255,090
188	$2,275	$894	$1,382	$254,197
189	$2,275	$899	$1,377	$253,298
190	$2,275	$903	$1,372	$252,395
191	$2,275	$908	$1,367	$251,486
192	$2,275	$913	$1,362	$250,573
193	$2,275	$918	$1,357	$249,655
194	$2,275	$923	$1,352	$248,732
195	$2,275	$928	$1,347	$247,804
196	$2,275	$933	$1,342	$246,870
197	$2,275	$938	$1,337	$245,932
198	$2,275	$943	$1,332	$244,989
199	$2,275	$948	$1,327	$244,041
200	$2,275	$954	$1,322	$243,087
201	$2,275	$959	$1,317	$242,128
202	$2,275	$964	$1,312	$241,164
203	$2,275	$969	$1,306	$240,195
204	$2,275	$974	$1,301	$239,221
205	$2,275	$980	$1,296	$238,241
206	$2,275	$985	$1,290	$237,256
207	$2,275	$990	$1,285	$236,266
208	$2,275	$996	$1,280	$235,270
209	$2,275	$1,001	$1,274	$234,269
210	$2,275	$1,006	$1,269	$233,263
211	$2,275	$1,012	$1,264	$232,251
212	$2,275	$1,017	$1,258	$231,233
213	$2,275	$1,023	$1,253	$230,210
214	$2,275	$1,028	$1,247	$229,182
215	$2,275	$1,034	$1,241	$228,148
216	$2,275	$1,040	$1,236	$227,108
217	$2,275	$1,045	$1,230	$226,063
218	$2,275	$1,051	$1,225	$225,012
219	$2,275	$1,057	$1,219	$223,955
220	$2,275	$1,062	$1,213	$222,893
221	$2,275	$1,068	$1,207	$221,825
222	$2,275	$1,074	$1,202	$220,751
223	$2,275	$1,080	$1,196	$219,671
224	$2,275	$1,086	$1,190	$218,586
225	$2,275	$1,091	$1,184	$217,494
226	$2,275	$1,097	$1,178	$216,397
227	$2,275	$1,103	$1,172	$215,294
228	$2,275	$1,109	$1,166	$214,184
229	$2,275	$1,115	$1,160	$213,069
230	$2,275	$1,121	$1,154	$211,948
231	$2,275	$1,127	$1,148	$210,820
232	$2,275	$1,134	$1,142	$209,687
233	$2,275	$1,140	$1,136	$208,547
234	$2,275	$1,146	$1,130	$207,401
235	$2,275	$1,152	$1,123	$206,249
236	$2,275	$1,158	$1,117	$205,091
237	$2,275	$1,165	$1,111	$203,927
238	$2,275	$1,171	$1,105	$202,756
239	$2,275	$1,177	$1,098	$201,579
240	$2,275	$1,184	$1,092	$200,395
241	$2,275	$1,190	$1,085	$199,205
242	$2,275	$1,196	$1,079	$198,009
243	$2,275	$1,203	$1,073	$196,806
244	$2,275	$1,209	$1,066	$195,596
245	$2,275	$1,216	$1,059	$194,380
246	$2,275	$1,223	$1,053	$193,158
247	$2,275	$1,229	$1,046	$191,929
248	$2,275	$1,236	$1,040	$190,693
249	$2,275	$1,243	$1,033	$189,450
250	$2,275	$1,249	$1,026	$188,201
251	$2,275	$1,256	$1,019	$186,945
252	$2,275	$1,263	$1,013	$185,682
253	$2,275	$1,270	$1,006	$184,412
254	$2,275	$1,277	$999	$183,136
255	$2,275	$1,283	$992	$181,852
256	$2,275	$1,290	$985	$180,562
257	$2,275	$1,297	$978	$179,265
258	$2,275	$1,304	$971	$177,960
259	$2,275	$1,311	$964	$176,649
260	$2,275	$1,319	$957	$175,330
261	$2,275	$1,326	$950	$174,004
262	$2,275	$1,333	$943	$172,672
263	$2,275	$1,340	$935	$171,331
264	$2,275	$1,347	$928	$169,984
265	$2,275	$1,355	$921	$168,629
266	$2,275	$1,362	$913	$167,267
267	$2,275	$1,369	$906	$165,898
268	$2,275	$1,377	$899	$164,521
269	$2,275	$1,384	$891	$163,137
270	$2,275	$1,392	$884	$161,745
271	$2,275	$1,399	$876	$160,346
272	$2,275	$1,407	$869	$158,939
273	$2,275	$1,415	$861	$157,524
274	$2,275	$1,422	$853	$156,102
275	$2,275	$1,430	$846	$154,672
276	$2,275	$1,438	$838	$153,234
277	$2,275	$1,445	$830	$151,789
278	$2,275	$1,453	$822	$150,336
279	$2,275	$1,461	$814	$148,875
280	$2,275	$1,469	$806	$147,406
281	$2,275	$1,477	$798	$145,929
282	$2,275	$1,485	$790	$144,444
283	$2,275	$1,493	$782	$142,951
284	$2,275	$1,501	$774	$141,449
285	$2,275	$1,509	$766	$139,940
286	$2,275	$1,517	$758	$138,423
287	$2,275	$1,526	$750	$136,897
288	$2,275	$1,534	$742	$135,363
289	$2,275	$1,542	$733	$133,821
290	$2,275	$1,551	$725	$132,270
291	$2,275	$1,559	$716	$130,711
292	$2,275	$1,567	$708	$129,144
293	$2,275	$1,576	$700	$127,568
294	$2,275	$1,584	$691	$125,984
295	$2,275	$1,593	$682	$124,391
296	$2,275	$1,602	$674	$122,789
297	$2,275	$1,610	$665	$121,179
298	$2,275	$1,619	$656	$119,559
299	$2,275	$1,628	$648	$117,932
300	$2,275	$1,637	$639	$116,295
301	$2,275	$1,646	$630	$114,649
302	$2,275	$1,654	$621	$112,995
303	$2,275	$1,663	$612	$111,332
304	$2,275	$1,672	$603	$109,659
305	$2,275	$1,681	$594	$107,978
306	$2,275	$1,691	$585	$106,287
307	$2,275	$1,700	$576	$104,588
308	$2,275	$1,709	$567	$102,879
309	$2,275	$1,718	$557	$101,160
310	$2,275	$1,727	$548	$99,433
311	$2,275	$1,737	$539	$97,696
312	$2,275	$1,746	$529	$95,950
313	$2,275	$1,756	$520	$94,194
314	$2,275	$1,765	$510	$92,429
315	$2,275	$1,775	$501	$90,654
316	$2,275	$1,784	$491	$88,870
317	$2,275	$1,794	$481	$87,076
318	$2,275	$1,804	$472	$85,272
319	$2,275	$1,814	$462	$83,458
320	$2,275	$1,823	$452	$81,635
321	$2,275	$1,833	$442	$79,802
322	$2,275	$1,843	$432	$77,958
323	$2,275	$1,853	$422	$76,105
324	$2,275	$1,863	$412	$74,242
325	$2,275	$1,873	$402	$72,369
326	$2,275	$1,883	$392	$70,485
327	$2,275	$1,894	$382	$68,592
328	$2,275	$1,904	$372	$66,688
329	$2,275	$1,914	$361	$64,774
330	$2,275	$1,925	$351	$62,849
331	$2,275	$1,935	$340	$60,914
332	$2,275	$1,945	$330	$58,968
333	$2,275	$1,956	$319	$57,012
334	$2,275	$1,967	$309	$55,046
335	$2,275	$1,977	$298	$53,068
336	$2,275	$1,988	$287	$51,081
337	$2,275	$1,999	$277	$49,082
338	$2,275	$2,010	$266	$47,072
339	$2,275	$2,020	$255	$45,052
340	$2,275	$2,031	$244	$43,020
341	$2,275	$2,042	$233	$40,978
342	$2,275	$2,053	$222	$38,924
343	$2,275	$2,065	$211	$36,860
344	$2,275	$2,076	$200	$34,784
345	$2,275	$2,087	$188	$32,697
346	$2,275	$2,098	$177	$30,599
347	$2,275	$2,110	$166	$28,489
348	$2,275	$2,121	$154	$26,368
349	$2,275	$2,133	$143	$24,235
350	$2,275	$2,144	$131	$22,091
351	$2,275	$2,156	$120	$19,935
352	$2,275	$2,167	$108	$17,768
353	$2,275	$2,179	$96	$15,589
354	$2,275	$2,191	$84	$13,398
355	$2,275	$2,203	$73	$11,195
356	$2,275	$2,215	$61	$8,980
357	$2,275	$2,227	$49	$6,753
358	$2,275	$2,239	$37	$4,514
359	$2,275	$2,251	$24	$2,263
360	$2,275	$2,263	$12	$0

Guía de uso

Entender un calendario de amortización

Un calendario de amortización es una tabla mensual que muestra cómo cada pago se divide entre interés y capital. También indica el saldo restante después de cada pago. En préstamos a tasa fija, el pago suele ser constante, pero la proporción entre interés y capital cambia con el tiempo.

El calendario es útil para planificar porque hace transparente el costo de pedir prestado. Puedes ver cuánto interés pagas al inicio, qué tan rápido baja el saldo y cuánto interés evitas con pagos extra.

Esta herramienta está diseñada para claridad: muestra el calendario completo y una gráfica limpia del saldo para conectar los números con el plazo real.

Cómo leer la tabla

Cada fila representa un mes. “Pago” es el monto aplicado ese mes, “Interés” es el cargo por pedir prestado (según el saldo inicial del mes) y “Capital” es la parte que reduce el saldo. “Saldo” es lo que queda después de aplicar el capital.

La idea clave es que el interés no es un monto fijo. Aunque el pago sea constante, el interés baja cuando baja el saldo. Por eso el capital sube con el tiempo y la curva de saldo baja lento al inicio y más rápido después.

Pagos extra y pago anticipado

Los pagos extra mensuales normalmente se aplican al capital. Reducir el capital antes disminuye la base sobre la que se calcula el interés en todos los meses futuros. En plazos largos, puede reducir el interés total y el número de pagos.

Cuando agregas un pago extra, compara los meses de pago con el plazo original. La diferencia es “tiempo recuperado”. Para muchas personas, el valor no es solo el interés ahorrado, sino la flexibilidad: puedes dejar de pagar extra si cambia tu flujo de efectivo.

Dónde difiere en la vida real

Los prestamistas pueden calcular interés diariamente, tratar meses parciales de forma distinta y redondear a centavos. Algunos préstamos incluyen escrow, comisiones o tasas ajustables que cambian el pago. Esos detalles pueden hacer que el calendario real difiera un poco.

Aun con esas diferencias, el calendario es muy útil. Explica la dirección y el tamaño de las compensaciones. Úsalo para decidir y luego confirma términos exactos con el prestamista o documentos oficiales.

Usar el calendario para mejores decisiones

Un calendario ayuda a responder preguntas prácticas: ¿cuándo bajará el saldo por debajo de cierto umbral? ¿Cuánto interés pagaré en los próximos 12 meses? ¿Qué pasa si agrego un pequeño pago extra? Esto importa para refinanciar, presupuestar y planificar.

Si planeas vender o refinanciar antes de terminar, enfócate en el saldo en tu mes de salida y el interés pagado hasta entonces. El interés total del plazo completo puede ser menos relevante si no mantienes el préstamo hasta el final.

En planificación financiera, la claridad supera a la precisión absoluta. El calendario es un modelo transparente que hace visibles las compensaciones y mejora decisiones incluso si detalles reales difieren un poco.

También puedes revisar Calculadora de prestamo y Calculadora para comparar prestamos para comparar escenarios.

Fórmula

Tasa mensual: r = APR / 12
Pago mensual: M = P × r × (1 + r)^n / ((1 + r)^n − 1)
Interés (mes t): I_t = Saldo_{t-1} × r
Capital (mes t): Pr_t = M − I_t
Nuevo saldo: Saldo_t = Saldo_{t-1} − Pr_t

Ejemplo

Configura capital en $360,000, APR 6.50% y plazo 30 años.
Revisa el pago base y el calendario mes a mes.
Agrega un pago extra para ver cómo cambia el plazo y el interés total.
Resultado: un pago base de $2,275.44 y $459,160 de intereses en 360 meses.
Agregar $200 al mes liquida el préstamo en 287 meses, unos 6 años antes, y ahorra unos $108,917 en intereses.

Préstamos a 15 vs 30 años

$360,000 prestados sin pagos adicionales.

Tasa de interés (APR)	Plazo	Pago mensual (base)	Interés total
5.5%	15 años	$2,942	$169,470
5.5%	30 años	$2,044	$375,855
6.5%	15 años	$3,136	$204,478
6.5%	30 años	$2,275	$459,160
7.5%	15 años	$3,337	$240,704
7.5%	30 años	$2,517	$546,182