Calculadora de Préstamos
Simule planes de amortización hipotecaria, cuotas mensuales y comisiones bankarias de juros. Calcule el impacto de amortizaciones adicionales.
Lea también: Guía completa de la calculadora, Calculadora refinanciación, Calculadora HELOC, Calculadora asequibilidad, Guía refinanciación, Guia de financiamento e parcela, Alugar vs comprar imóvel, Juros compostos
Cómo funciona
Calculadora hipotecaria: cuota P&I, intereses totales y fecha de amortización con principal extra opcional.
Introduzca importe, TAE y plazo para ver la cuota y la tabla de amortización. Ejemplo: un préstamo de 15.000 € al 6,5% a 4 años ronda 357 €/mes; un extra de 100 €/mes puede adelantar la cancelación unos 9 meses.
Pago hipotecario: capital e intereses
Hipoteca a tipo fijo divide cada cuota en intereses sobre saldo restante y reducción de principal. Los primeros años son pesados en intereses—la tabla de amortización lo muestra.
El número mensual aquí es solo principal e interés (P&I). Presupueste impuesto, seguro, PMI con entrada baja y HOA por separado.
Pagos extra a principal acortan el préstamo—confirme que el servicer los aplica correctamente antes de prepagar agresivamente.
Guía, ejemplos y metodología
How to use this mortgage payment calculator
Enter loan amount (home price minus down payment for mortgages), annual interest rate, term in years, and optional extra monthly payment toward principal. This mortgage calculator outputs fixed-rate principal-and-interest payment, total interest over the life of the loan, and how extra payments shorten the schedule. Use it for US 30-year and 15-year mortgages, auto loans, and personal installment debt that amortizes on a standard schedule.
Example (USD): $350,000 mortgage
| Scenario | Inputs | Outcome |
|---|---|---|
| 30-year fixed | 6.5% APR | ~$2,212/mo P&I |
| 15-year fixed | 6.0% APR | ~$2,953/mo P&I, less total interest |
| +$200/mo extra | On 30-year above | Pays off years earlier; five figures saved |
Mortgage payment vs full housing cost
Lenders quote principal and interest (P&I). Your all-in payment adds property tax, homeowners insurance, HOA dues, and private mortgage insurance (PMI) when down payment is under 20%. This home loan calculator does not model escrow or PMI—add those manually when comparing to rent or setting a budget. For max price from income, use our mortgage affordability calculator first, then plug the loan amount here.
How we calculate amortization
Each month, interest accrues on the remaining balance at rate ÷ 12; the rest of the payment reduces principal. Extra payments in this model go 100% to principal starting the next month. We do not model ARM rate resets, interest-only periods, balloon payments, or biweekly servicer quirks—confirm prepayment application with your loan servicer.
15-year vs 30-year mortgages
A 15-year note typically carries a lower rate but a higher payment because principal retires faster. Total interest is often dramatically lower. Run both terms here with the same loan amount to see the payment gap versus lifetime interest savings—many buyers choose 30-year for cash flow then add voluntary extra principal.
When to pair with refinance math
If your rate is above current market quotes, compare break-even on our refinance savings calculator before sending large prepayments to a high-rate loan. Refinancing resets the amortization clock unless you keep the same term—closing costs matter. HELOCs and second liens are modeled separately on our HELOC payment calculator.
Common mistakes
- Treating P&I as the full monthly housing cost without tax and insurance.
- Assuming extra payments auto-apply to principal without confirming servicer settings.
- Comparing a 7% personal loan APR to a 6.5% mortgage without reading fee disclosures.
- Refinancing to lower payment while extending term and paying more lifetime interest.
- Ignoring rent-vs-buy timing when the real question is whether to purchase at all.
Related calculators
- Alquilar vs Comprar Casa
- Calculadora de Hipoteca Asequible
- Calculadora de Puntos Hipotecarios
- Calculadora de HELOC
Preguntas frecuentes
What is included in a mortgage payment?
Most US mortgages bundle principal, interest, taxes, and insurance (PITI) in escrow. This calculator shows P&I only—add tax, insurance, PMI, and HOA for the number on your monthly budget.
¿Cómo calculo la cuota mensual del préstamo?
La cuota depende del capital P, la tasa anual r y el plazo n en meses. Fórmula estándar de amortización francesa; la calculadora la aplica al instante.
¿Cuánto interés total pagaré?
Interés total = (cuota × plazos) − capital. En 20.000 € al 7% a 5 años, el interés total ronda 3.761 €.
¿Los pagos extra realmente ahorran dinero?
Sí: los extras van al capital y reducen intereses futuros. Cuanto antes pague de más, mayor el ahorro.
¿Cuál es la diferencia entre TAE y tipo de interés?
El tipo es el coste base; la TAE incluye comisiones. Compare préstamos siempre por TAE.