Calculadora de Amortización de Préstamo Gratis
Genera la tabla de amortización completa de tu préstamo. Visualiza capital, interés y saldo restante en cada cuota mensual.
Pago Mensual
$1,199.10
Monthly Payment vs Loan Term
Fórmula
How Loan Amortization Works
Amortization is the process of spreading loan payments over time. Each payment covers interest on the remaining balance plus a portion of the principal.
Formula
Monthly Payment: M = P * [r(1+r)^n] / [(1+r)^n - 1]
For each payment:
Early payments are mostly interest; later payments are mostly principal.
Ejemplo Resuelto
A $200,000 loan at 6% interest for 30 years.
- 01Monthly rate: 6% / 12 = 0.5% (0.005)
- 02Total payments: 30 * 12 = 360
- 03Monthly payment = $200,000 * [0.005 * (1.005)^360] / [(1.005)^360 - 1] = $1,199.10
- 04First month interest: $200,000 * 0.005 = $1,000.00
- 05First month principal: $1,199.10 - $1,000.00 = $199.10
- 06Total paid: $1,199.10 * 360 = $431,676.00
- 07Total interest: $431,676.00 - $200,000 = $231,676.00
Preguntas Frecuentes
What is loan amortization?
Loan amortization is the process of paying off debt through regular payments over time. Each payment is split between interest and principal reduction.
Why do I pay more interest at the beginning?
Interest is calculated on the remaining balance. Since the balance is highest at the start, more of each early payment goes toward interest. As the balance decreases, more goes toward principal.
Can I pay off my loan faster?
Yes. Making extra payments toward principal reduces your balance faster, which decreases total interest and shortens the loan term.
How much interest do I save by making one extra mortgage payment per year?
Making one extra mortgage payment per year can shorten a 30-year mortgage by 4-5 years and save tens of thousands in interest, depending on your rate and balance. For example, on a $300,000 loan at 6.5%, paying one extra payment per year could save over $60,000 in interest.
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