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arnaud.app

Calculadora de préstamo e hipoteca

Estima cuota mensual, intereses totales y amortización.

Funciona en tu navegador

Introduce el importe, el tipo anual y el plazo. Calculamos la cuota mensual con la fórmula de amortización estándar y mostramos cómo se divide entre capital e intereses.

Cuota mensual

$1,580.17

Intereses totales

$318,861.22

Total pagado

$568,861.22

Cuadro de amortización (360 meses)
#InteresesCapitalSaldo
1$1,354.17$226.00$249,774.00
2$1,352.94$227.23$249,546.77
3$1,351.71$228.46$249,318.31
4$1,350.47$229.70$249,088.61
5$1,349.23$230.94$248,857.67
6$1,347.98$232.19$248,625.48
7$1,346.72$233.45$248,392.04
8$1,345.46$234.71$248,157.32
9$1,344.19$235.98$247,921.34
10$1,342.91$237.26$247,684.07
11$1,341.62$238.55$247,445.53
12$1,340.33$239.84$247,205.69
13$1,339.03$241.14$246,964.55
14$1,337.72$242.45$246,722.10
15$1,336.41$243.76$246,478.34
16$1,335.09$245.08$246,233.26
17$1,333.76$246.41$245,986.86
18$1,332.43$247.74$245,739.12
19$1,331.09$249.08$245,490.03
20$1,329.74$250.43$245,239.60
21$1,328.38$251.79$244,987.81
22$1,327.02$253.15$244,734.66
23$1,325.65$254.52$244,480.13
24$1,324.27$255.90$244,224.23
25$1,322.88$257.29$243,966.94
26$1,321.49$258.68$243,708.26
27$1,320.09$260.08$243,448.18
28$1,318.68$261.49$243,186.68
29$1,317.26$262.91$242,923.78
30$1,315.84$264.33$242,659.44
31$1,314.41$265.76$242,393.68
32$1,312.97$267.20$242,126.47
33$1,311.52$268.65$241,857.82
34$1,310.06$270.11$241,587.72
35$1,308.60$271.57$241,316.15
36$1,307.13$273.04$241,043.10
37$1,305.65$274.52$240,768.58
38$1,304.16$276.01$240,492.58
39$1,302.67$277.50$240,215.08
40$1,301.16$279.01$239,936.07
41$1,299.65$280.52$239,655.55
42$1,298.13$282.04$239,373.52
43$1,296.61$283.56$239,089.96
44$1,295.07$285.10$238,804.86
45$1,293.53$286.64$238,518.21
46$1,291.97$288.20$238,230.02
47$1,290.41$289.76$237,940.26
48$1,288.84$291.33$237,648.93
49$1,287.27$292.91$237,356.03
50$1,285.68$294.49$237,061.53
51$1,284.08$296.09$236,765.45
52$1,282.48$297.69$236,467.76
53$1,280.87$299.30$236,168.45
54$1,279.25$300.92$235,867.53
55$1,277.62$302.55$235,564.98
56$1,275.98$304.19$235,260.78
57$1,274.33$305.84$234,954.94
58$1,272.67$307.50$234,647.44
59$1,271.01$309.16$234,338.28
60$1,269.33$310.84$234,027.44
61$1,267.65$312.52$233,714.92
62$1,265.96$314.21$233,400.71
63$1,264.25$315.92$233,084.79
64$1,262.54$317.63$232,767.16
65$1,260.82$319.35$232,447.82
66$1,259.09$321.08$232,126.74
67$1,257.35$322.82$231,803.92
68$1,255.60$324.57$231,479.36
69$1,253.85$326.32$231,153.03
70$1,252.08$328.09$230,824.94
71$1,250.30$329.87$230,495.07
72$1,248.51$331.66$230,163.42
73$1,246.72$333.45$229,829.97
74$1,244.91$335.26$229,494.71
75$1,243.10$337.07$229,157.64
76$1,241.27$338.90$228,818.74
77$1,239.43$340.74$228,478.00
78$1,237.59$342.58$228,135.42
79$1,235.73$344.44$227,790.98
80$1,233.87$346.30$227,444.68
81$1,231.99$348.18$227,096.50
82$1,230.11$350.06$226,746.44
83$1,228.21$351.96$226,394.48
84$1,226.30$353.87$226,040.61
85$1,224.39$355.78$225,684.83
86$1,222.46$357.71$225,327.12
87$1,220.52$359.65$224,967.47
88$1,218.57$361.60$224,605.87
89$1,216.62$363.55$224,242.32
90$1,214.65$365.52$223,876.79
91$1,212.67$367.50$223,509.29
92$1,210.68$369.49$223,139.80
93$1,208.67$371.50$222,768.30
94$1,206.66$373.51$222,394.79
95$1,204.64$375.53$222,019.26
96$1,202.60$377.57$221,641.69
97$1,200.56$379.61$221,262.08
98$1,198.50$381.67$220,880.42
99$1,196.44$383.73$220,496.68
100$1,194.36$385.81$220,110.87
101$1,192.27$387.90$219,722.97
102$1,190.17$390.00$219,332.96
103$1,188.05$392.12$218,940.84
104$1,185.93$394.24$218,546.60
105$1,183.79$396.38$218,150.23
106$1,181.65$398.52$217,751.71
107$1,179.49$400.68$217,351.02
108$1,177.32$402.85$216,948.17
109$1,175.14$405.03$216,543.14
110$1,172.94$407.23$216,135.91
111$1,170.74$409.43$215,726.48
112$1,168.52$411.65$215,314.82
113$1,166.29$413.88$214,900.94
114$1,164.05$416.12$214,484.82
115$1,161.79$418.38$214,066.44
116$1,159.53$420.64$213,645.80
117$1,157.25$422.92$213,222.88
118$1,154.96$425.21$212,797.66
119$1,152.65$427.52$212,370.15
120$1,150.34$429.83$211,940.32
121$1,148.01$432.16$211,508.16
122$1,145.67$434.50$211,073.66
123$1,143.32$436.85$210,636.80
124$1,140.95$439.22$210,197.58
125$1,138.57$441.60$209,755.98
126$1,136.18$443.99$209,311.99
127$1,133.77$446.40$208,865.59
128$1,131.36$448.81$208,416.78
129$1,128.92$451.25$207,965.53
130$1,126.48$453.69$207,511.84
131$1,124.02$456.15$207,055.69
132$1,121.55$458.62$206,597.07
133$1,119.07$461.10$206,135.97
134$1,116.57$463.60$205,672.37
135$1,114.06$466.11$205,206.26
136$1,111.53$468.64$204,737.62
137$1,109.00$471.17$204,266.45
138$1,106.44$473.73$203,792.72
139$1,103.88$476.29$203,316.43
140$1,101.30$478.87$202,837.56
141$1,098.70$481.47$202,356.09
142$1,096.10$484.07$201,872.02
143$1,093.47$486.70$201,385.32
144$1,090.84$489.33$200,895.99
145$1,088.19$491.98$200,404.00
146$1,085.52$494.65$199,909.35
147$1,082.84$497.33$199,412.03
148$1,080.15$500.02$198,912.01
149$1,077.44$502.73$198,409.28
150$1,074.72$505.45$197,903.82
151$1,071.98$508.19$197,395.63
152$1,069.23$510.94$196,884.69
153$1,066.46$513.71$196,370.98
154$1,063.68$516.49$195,854.48
155$1,060.88$519.29$195,335.19
156$1,058.07$522.10$194,813.09
157$1,055.24$524.93$194,288.15
158$1,052.39$527.78$193,760.38
159$1,049.54$530.63$193,229.74
160$1,046.66$533.51$192,696.23
161$1,043.77$536.40$192,159.84
162$1,040.87$539.30$191,620.53
163$1,037.94$542.23$191,078.31
164$1,035.01$545.16$190,533.14
165$1,032.05$548.12$189,985.03
166$1,029.09$551.08$189,433.94
167$1,026.10$554.07$188,879.87
168$1,023.10$557.07$188,322.80
169$1,020.08$560.09$187,762.71
170$1,017.05$563.12$187,199.59
171$1,014.00$566.17$186,633.42
172$1,010.93$569.24$186,064.18
173$1,007.85$572.32$185,491.86
174$1,004.75$575.42$184,916.44
175$1,001.63$578.54$184,337.90
176$998.50$581.67$183,756.22
177$995.35$584.82$183,171.40
178$992.18$587.99$182,583.41
179$988.99$591.18$181,992.23
180$985.79$594.38$181,397.85
181$982.57$597.60$180,800.25
182$979.33$600.84$180,199.42
183$976.08$604.09$179,595.33
184$972.81$607.36$178,987.97
185$969.52$610.65$178,377.32
186$966.21$613.96$177,763.36
187$962.88$617.29$177,146.07
188$959.54$620.63$176,525.44
189$956.18$623.99$175,901.45
190$952.80$627.37$175,274.08
191$949.40$630.77$174,643.31
192$945.98$634.19$174,009.13
193$942.55$637.62$173,371.51
194$939.10$641.07$172,730.43
195$935.62$644.55$172,085.88
196$932.13$648.04$171,437.85
197$928.62$651.55$170,786.30
198$925.09$655.08$170,131.22
199$921.54$658.63$169,472.59
200$917.98$662.19$168,810.40
201$914.39$665.78$168,144.62
202$910.78$669.39$167,475.23
203$907.16$673.01$166,802.22
204$903.51$676.66$166,125.56
205$899.85$680.32$165,445.24
206$896.16$684.01$164,761.23
207$892.46$687.71$164,073.52
208$888.73$691.44$163,382.08
209$884.99$695.18$162,686.90
210$881.22$698.95$161,987.95
211$877.43$702.74$161,285.21
212$873.63$706.54$160,578.67
213$869.80$710.37$159,868.30
214$865.95$714.22$159,154.08
215$862.08$718.09$158,436.00
216$858.19$721.98$157,714.02
217$854.28$725.89$156,988.14
218$850.35$729.82$156,258.32
219$846.40$733.77$155,524.55
220$842.42$737.75$154,786.80
221$838.43$741.74$154,045.06
222$834.41$745.76$153,299.30
223$830.37$749.80$152,549.50
224$826.31$753.86$151,795.64
225$822.23$757.94$151,037.70
226$818.12$762.05$150,275.65
227$813.99$766.18$149,509.47
228$809.84$770.33$148,739.15
229$805.67$774.50$147,964.65
230$801.48$778.69$147,185.95
231$797.26$782.91$146,403.04
232$793.02$787.15$145,615.89
233$788.75$791.42$144,824.47
234$784.47$795.70$144,028.76
235$780.16$800.01$143,228.75
236$775.82$804.35$142,424.40
237$771.47$808.70$141,615.70
238$767.09$813.09$140,802.61
239$762.68$817.49$139,985.12
240$758.25$821.92$139,163.21
241$753.80$826.37$138,336.84
242$749.32$830.85$137,505.99
243$744.82$835.35$136,670.65
244$740.30$839.87$135,830.77
245$735.75$844.42$134,986.35
246$731.18$848.99$134,137.36
247$726.58$853.59$133,283.77
248$721.95$858.22$132,425.55
249$717.31$862.86$131,562.69
250$712.63$867.54$130,695.15
251$707.93$872.24$129,822.91
252$703.21$876.96$128,945.95
253$698.46$881.71$128,064.23
254$693.68$886.49$127,177.75
255$688.88$891.29$126,286.46
256$684.05$896.12$125,390.34
257$679.20$900.97$124,489.36
258$674.32$905.85$123,583.51
259$669.41$910.76$122,672.75
260$664.48$915.69$121,757.06
261$659.52$920.65$120,836.41
262$654.53$925.64$119,910.77
263$649.52$930.65$118,980.11
264$644.48$935.69$118,044.42
265$639.41$940.76$117,103.66
266$634.31$945.86$116,157.80
267$629.19$950.98$115,206.82
268$624.04$956.13$114,250.68
269$618.86$961.31$113,289.37
270$613.65$966.52$112,322.85
271$608.42$971.75$111,351.10
272$603.15$977.02$110,374.08
273$597.86$982.31$109,391.77
274$592.54$987.63$108,404.14
275$587.19$992.98$107,411.16
276$581.81$998.36$106,412.80
277$576.40$1,003.77$105,409.03
278$570.97$1,009.20$104,399.82
279$565.50$1,014.67$103,385.15
280$560.00$1,020.17$102,364.99
281$554.48$1,025.69$101,339.29
282$548.92$1,031.25$100,308.04
283$543.34$1,036.83$99,271.21
284$537.72$1,042.45$98,228.76
285$532.07$1,048.10$97,180.66
286$526.40$1,053.77$96,126.89
287$520.69$1,059.48$95,067.40
288$514.95$1,065.22$94,002.18
289$509.18$1,070.99$92,931.19
290$503.38$1,076.79$91,854.40
291$497.54$1,082.63$90,771.77
292$491.68$1,088.49$89,683.28
293$485.78$1,094.39$88,588.90
294$479.86$1,100.31$87,488.58
295$473.90$1,106.27$86,382.31
296$467.90$1,112.27$85,270.04
297$461.88$1,118.29$84,151.75
298$455.82$1,124.35$83,027.40
299$449.73$1,130.44$81,896.97
300$443.61$1,136.56$80,760.41
301$437.45$1,142.72$79,617.69
302$431.26$1,148.91$78,468.78
303$425.04$1,155.13$77,313.65
304$418.78$1,161.39$76,152.26
305$412.49$1,167.68$74,984.58
306$406.17$1,174.00$73,810.58
307$399.81$1,180.36$72,630.22
308$393.41$1,186.76$71,443.46
309$386.99$1,193.18$70,250.28
310$380.52$1,199.65$69,050.63
311$374.02$1,206.15$67,844.48
312$367.49$1,212.68$66,631.80
313$360.92$1,219.25$65,412.55
314$354.32$1,225.85$64,186.70
315$347.68$1,232.49$62,954.21
316$341.00$1,239.17$61,715.04
317$334.29$1,245.88$60,469.16
318$327.54$1,252.63$59,216.53
319$320.76$1,259.41$57,957.12
320$313.93$1,266.24$56,690.88
321$307.08$1,273.09$55,417.79
322$300.18$1,279.99$54,137.80
323$293.25$1,286.92$52,850.88
324$286.28$1,293.89$51,556.98
325$279.27$1,300.90$50,256.08
326$272.22$1,307.95$48,948.13
327$265.14$1,315.03$47,633.09
328$258.01$1,322.16$46,310.94
329$250.85$1,329.32$44,981.62
330$243.65$1,336.52$43,645.10
331$236.41$1,343.76$42,301.34
332$229.13$1,351.04$40,950.30
333$221.81$1,358.36$39,591.94
334$214.46$1,365.71$38,226.23
335$207.06$1,373.11$36,853.12
336$199.62$1,380.55$35,472.57
337$192.14$1,388.03$34,084.54
338$184.62$1,395.55$32,689.00
339$177.07$1,403.10$31,285.89
340$169.47$1,410.70$29,875.19
341$161.82$1,418.35$28,456.84
342$154.14$1,426.03$27,030.81
343$146.42$1,433.75$25,597.06
344$138.65$1,441.52$24,155.54
345$130.84$1,449.33$22,706.21
346$122.99$1,457.18$21,249.04
347$115.10$1,465.07$19,783.96
348$107.16$1,473.01$18,310.96
349$99.18$1,480.99$16,829.97
350$91.16$1,489.01$15,340.96
351$83.10$1,497.07$13,843.89
352$74.99$1,505.18$12,338.71
353$66.83$1,513.34$10,825.37
354$58.64$1,521.53$9,303.84
355$50.40$1,529.77$7,774.07
356$42.11$1,538.06$6,236.01
357$33.78$1,546.39$4,689.61
358$25.40$1,554.77$3,134.85
359$16.98$1,563.19$1,571.66
360$8.51$1,571.66$0.00

Cómo usarla

  1. Introduce el importe

    El capital - lo que pides prestado tras la entrada.

  2. Introduce tipo y plazo

    Tipo anual en porcentaje y plazo en años. Hacemos la aritmética mensual.

  3. Despliega la amortización

    La primera fila muestra cuánto del mes 1 es interés vs capital. Despliega para ver cada mes.

¿Qué es?

Un calculador de préstamo produce la cuota mensual fija que amortiza por completo un préstamo en su plazo mediante la fórmula clásica P × r / (1 - (1 + r)^-n). Muestra también el desglose capital/intereses por mes - el cuadro de amortización. Los números son deterministas: mismas entradas, misma salida al céntimo.

Cuándo usarla

Antes de firmar una hipoteca, préstamo de coche, estudios o personal, para verificar la cuota anunciada por el banco. Útil en simulación: varía tipo, plazo o entrada y mira el impacto en flujo de caja e intereses totales. También para decidir una refinanciación - compara cuadros viejo y nuevo.

Errores comunes

Olvidar que la « cuota mensual » excluye IBI, seguro y PMI - la factura real sube un 25-40 %. Olvidar comisiones y puntos (que suben el tipo efectivo). Subestimar la diferencia de intereses totales entre 30 y 15 años - más plazo, menos cuota, mucho más coste total.

Preguntas frecuentes

¿Incluye impuestos y seguros?
No. Es solo capital + intereses (P&I). Para una estimación completa de hipoteca añade IBI, seguro de hogar y PMI por separado.

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