Calculadora de Pago de Préstamos

Calcula tu cuota y ve cómo incluso pagos extra pequeños recortan años del préstamo y ahorran miles en intereses — con una tabla de amortización completa que puedes exportar.

Detalles del Préstamo

Pago Mensual Extra

Pago Mensual

$1,580

por período

Ahorros

$97,618

en intereses

Invierte estos ahorros

Tiempo Ahorrado

7y 11m

antes de lo previsto

A lo largo del plazo estándar, los intereses suman $318,861 — es el 128% de lo que pediste prestado.

Resultados

Revisar Impacto de Inflación

Sin Pagos Extra

Fecha de Pago:29.9 años
Interés Total:$318,861

Con Pagos Extra

Fecha de Pago:22.0 años
Interés Total:$221,243

Saldo en el Tiempo

Cargando Gráfico...

Tabla de Amortización (Con Extra)

MesPagoExtraInterésCapitalSaldo
1$1,580$200$1,354$426$249,574
2$1,580$200$1,352$428$249,146
3$1,580$200$1,350$431$248,715
4$1,580$200$1,347$433$248,282
5$1,580$200$1,345$435$247,847
6$1,580$200$1,343$438$247,409
7$1,580$200$1,340$440$246,969
8$1,580$200$1,338$442$246,527
9$1,580$200$1,335$445$246,082
10$1,580$200$1,333$447$245,635
11$1,580$200$1,331$450$245,185
12$1,580$200$1,328$452$244,733
13$1,580$200$1,326$455$244,278
14$1,580$200$1,323$457$243,821
15$1,580$200$1,321$459$243,362
16$1,580$200$1,318$462$242,900
17$1,580$200$1,316$464$242,435
18$1,580$200$1,313$467$241,968
19$1,580$200$1,311$470$241,499
20$1,580$200$1,308$472$241,027
21$1,580$200$1,306$475$240,552
22$1,580$200$1,303$477$240,075
23$1,580$200$1,300$480$239,595
24$1,580$200$1,298$482$239,113
25$1,580$200$1,295$485$238,628
26$1,580$200$1,293$488$238,140
27$1,580$200$1,290$490$237,650
28$1,580$200$1,287$493$237,157
29$1,580$200$1,285$496$236,662
30$1,580$200$1,282$498$236,163
31$1,580$200$1,279$501$235,663
32$1,580$200$1,277$504$235,159
33$1,580$200$1,274$506$234,652
34$1,580$200$1,271$509$234,143
35$1,580$200$1,268$512$233,631
36$1,580$200$1,266$515$233,117
37$1,580$200$1,263$517$232,599
38$1,580$200$1,260$520$232,079
39$1,580$200$1,257$523$231,556
40$1,580$200$1,254$526$231,030
41$1,580$200$1,251$529$230,501
42$1,580$200$1,249$532$229,970
43$1,580$200$1,246$535$229,435
44$1,580$200$1,243$537$228,898
45$1,580$200$1,240$540$228,357
46$1,580$200$1,237$543$227,814
47$1,580$200$1,234$546$227,268
48$1,580$200$1,231$549$226,719
49$1,580$200$1,228$552$226,167
50$1,580$200$1,225$555$225,612
51$1,580$200$1,222$558$225,054
52$1,580$200$1,219$561$224,493
53$1,580$200$1,216$564$223,928
54$1,580$200$1,213$567$223,361
55$1,580$200$1,210$570$222,791
56$1,580$200$1,207$573$222,217
57$1,580$200$1,204$576$221,641
58$1,580$200$1,201$580$221,061
59$1,580$200$1,197$583$220,479
60$1,580$200$1,194$586$219,893
61$1,580$200$1,191$589$219,304
62$1,580$200$1,188$592$218,711
63$1,580$200$1,185$595$218,116
64$1,580$200$1,181$599$217,517
65$1,580$200$1,178$602$216,915
66$1,580$200$1,175$605$216,310
67$1,580$200$1,172$608$215,701
68$1,580$200$1,168$612$215,090
69$1,580$200$1,165$615$214,475
70$1,580$200$1,162$618$213,856
71$1,580$200$1,158$622$213,234
72$1,580$200$1,155$625$212,609
73$1,580$200$1,152$629$211,981
74$1,580$200$1,148$632$211,349
75$1,580$200$1,145$635$210,713
76$1,580$200$1,141$639$210,075
77$1,580$200$1,138$642$209,432
78$1,580$200$1,134$646$208,787
79$1,580$200$1,131$649$208,137
80$1,580$200$1,127$653$207,485
81$1,580$200$1,124$656$206,828
82$1,580$200$1,120$660$206,168
83$1,580$200$1,117$663$205,505
84$1,580$200$1,113$667$204,838
85$1,580$200$1,110$671$204,167
86$1,580$200$1,106$674$203,493
87$1,580$200$1,102$678$202,815
88$1,580$200$1,099$682$202,134
89$1,580$200$1,095$685$201,448
90$1,580$200$1,091$689$200,759
91$1,580$200$1,087$693$200,067
92$1,580$200$1,084$696$199,370
93$1,580$200$1,080$700$198,670
94$1,580$200$1,076$704$197,966
95$1,580$200$1,072$708$197,258
96$1,580$200$1,068$712$196,546
97$1,580$200$1,065$716$195,831
98$1,580$200$1,061$719$195,111
99$1,580$200$1,057$723$194,388
100$1,580$200$1,053$727$193,661
101$1,580$200$1,049$731$192,930
102$1,580$200$1,045$735$192,194
103$1,580$200$1,041$739$191,455
104$1,580$200$1,037$743$190,712
105$1,580$200$1,033$747$189,965
106$1,580$200$1,029$751$189,214
107$1,580$200$1,025$755$188,459
108$1,580$200$1,021$759$187,699
109$1,580$200$1,017$763$186,936
110$1,580$200$1,013$768$186,168
111$1,580$200$1,008$772$185,396
112$1,580$200$1,004$776$184,620
113$1,580$200$1,000$780$183,840
114$1,580$200$996$784$183,056
115$1,580$200$992$789$182,267
116$1,580$200$987$793$181,474
117$1,580$200$983$797$180,677
118$1,580$200$979$802$179,876
119$1,580$200$974$806$179,070
120$1,580$200$970$810$178,260
121$1,580$200$966$815$177,445
122$1,580$200$961$819$176,626
123$1,580$200$957$823$175,803
124$1,580$200$952$828$174,975
125$1,580$200$948$832$174,142
126$1,580$200$943$837$173,305
127$1,580$200$939$841$172,464
128$1,580$200$934$846$171,618
129$1,580$200$930$851$170,767
130$1,580$200$925$855$169,912
131$1,580$200$920$860$169,052
132$1,580$200$916$864$168,188
133$1,580$200$911$869$167,319
134$1,580$200$906$874$166,445
135$1,580$200$902$879$165,566
136$1,580$200$897$883$164,683
137$1,580$200$892$888$163,795
138$1,580$200$887$893$162,902
139$1,580$200$882$898$162,004
140$1,580$200$878$903$161,102
141$1,580$200$873$908$160,194
142$1,580$200$868$912$159,282
143$1,580$200$863$917$158,364
144$1,580$200$858$922$157,442
145$1,580$200$853$927$156,514
146$1,580$200$848$932$155,582
147$1,580$200$843$937$154,645
148$1,580$200$838$943$153,702
149$1,580$200$833$948$152,754
150$1,580$200$827$953$151,802
151$1,580$200$822$958$150,844
152$1,580$200$817$963$149,881
153$1,580$200$812$968$148,912
154$1,580$200$807$974$147,939
155$1,580$200$801$979$146,960
156$1,580$200$796$984$145,976
157$1,580$200$791$989$144,986
158$1,580$200$785$995$143,992
159$1,580$200$780$1,000$142,991
160$1,580$200$775$1,006$141,986
161$1,580$200$769$1,011$140,975
162$1,580$200$764$1,017$139,958
163$1,580$200$758$1,022$138,936
164$1,580$200$753$1,028$137,908
165$1,580$200$747$1,033$136,875
166$1,580$200$741$1,039$135,836
167$1,580$200$736$1,044$134,792
168$1,580$200$730$1,050$133,742
169$1,580$200$724$1,056$132,686
170$1,580$200$719$1,061$131,625
171$1,580$200$713$1,067$130,558
172$1,580$200$707$1,073$129,485
173$1,580$200$701$1,079$128,406
174$1,580$200$696$1,085$127,321
175$1,580$200$690$1,091$126,231
176$1,580$200$684$1,096$125,134
177$1,580$200$678$1,102$124,032
178$1,580$200$672$1,108$122,924
179$1,580$200$666$1,114$121,809
180$1,580$200$660$1,120$120,689
181$1,580$200$654$1,126$119,562
182$1,580$200$648$1,133$118,430
183$1,580$200$641$1,139$117,291
184$1,580$200$635$1,145$116,146
185$1,580$200$629$1,151$114,995
186$1,580$200$623$1,157$113,838
187$1,580$200$617$1,164$112,675
188$1,580$200$610$1,170$111,505
189$1,580$200$604$1,176$110,328
190$1,580$200$598$1,183$109,146
191$1,580$200$591$1,189$107,957
192$1,580$200$585$1,195$106,762
193$1,580$200$578$1,202$105,560
194$1,580$200$572$1,208$104,351
195$1,580$200$565$1,215$103,136
196$1,580$200$559$1,222$101,915
197$1,580$200$552$1,228$100,687
198$1,580$200$545$1,235$99,452
199$1,580$200$539$1,241$98,210
200$1,580$200$532$1,248$96,962
201$1,580$200$525$1,255$95,707
202$1,580$200$518$1,262$94,446
203$1,580$200$512$1,269$93,177
204$1,580$200$505$1,275$91,902
205$1,580$200$498$1,282$90,619
206$1,580$200$491$1,289$89,330
207$1,580$200$484$1,296$88,034
208$1,580$200$477$1,303$86,730
209$1,580$200$470$1,310$85,420
210$1,580$200$463$1,317$84,102
211$1,580$200$456$1,325$82,778
212$1,580$200$448$1,332$81,446
213$1,580$200$441$1,339$80,107
214$1,580$200$434$1,346$78,761
215$1,580$200$427$1,354$77,407
216$1,580$200$419$1,361$76,046
217$1,580$200$412$1,368$74,678
218$1,580$200$405$1,376$73,302
219$1,580$200$397$1,383$71,919
220$1,580$200$390$1,391$70,529
221$1,580$200$382$1,398$69,130
222$1,580$200$374$1,406$67,725
223$1,580$200$367$1,413$66,311
224$1,580$200$359$1,421$64,890
225$1,580$200$351$1,429$63,462
226$1,580$200$344$1,436$62,025
227$1,580$200$336$1,444$60,581
228$1,580$200$328$1,452$59,129
229$1,580$200$320$1,460$57,669
230$1,580$200$312$1,468$56,201
231$1,580$200$304$1,476$54,726
232$1,580$200$296$1,484$53,242
233$1,580$200$288$1,492$51,750
234$1,580$200$280$1,500$50,250
235$1,580$200$272$1,508$48,742
236$1,580$200$264$1,516$47,226
237$1,580$200$256$1,524$45,702
238$1,580$200$248$1,533$44,169
239$1,580$200$239$1,541$42,628
240$1,580$200$231$1,549$41,079
241$1,580$200$223$1,558$39,521
242$1,580$200$214$1,566$37,955
243$1,580$200$206$1,575$36,381
244$1,580$200$197$1,583$34,798
245$1,580$200$188$1,592$33,206
246$1,580$200$180$1,600$31,606
247$1,580$200$171$1,609$29,997
248$1,580$200$162$1,618$28,379
249$1,580$200$154$1,626$26,752
250$1,580$200$145$1,635$25,117
251$1,580$200$136$1,644$23,473
252$1,580$200$127$1,653$21,820
253$1,580$200$118$1,662$20,158
254$1,580$200$109$1,671$18,487
255$1,580$200$100$1,680$16,807
256$1,580$200$91$1,689$15,118
257$1,580$200$82$1,698$13,420
258$1,580$200$73$1,707$11,712
259$1,580$200$63$1,717$9,995
260$1,580$200$54$1,726$8,269
261$1,580$200$45$1,735$6,534
262$1,580$200$35$1,745$4,789
263$1,580$200$26$1,754$3,035
264$1,580$200$16$1,764$1,271
265$1,580$200$7$1,271$0
¿Tienes varios préstamos? Mira si consolidarlos ahorra dinero →¿Vas a pagar una tarjeta de crédito? Usa la calculadora de tarjeta →

Estimaciones educativas, asumiendo tasa fija. No incluye impuestos, seguros ni escrow.

Guía rápida

Cómo usar la Calculadora de Pago de Préstamos

Calcula tu fecha de liquidación, pagos mensuales e interés total. Ve cómo los pagos extra pueden ahorrarte miles.

  1. Ingresa el saldo que debes hoy, no el monto que pediste originalmente.
  2. Usa la tasa anual (E.A. o APR) de tu extracto — poner la mensual aquí subestima mucho el costo.
  3. Ajusta el plazo a los años que te faltan, no al plazo original del préstamo.
  4. Agrega un pago mensual extra: empieza con lo que te sobre, aunque sea poco.
  5. Compara las dos columnas de resultados — la diferencia en intereses es tu ahorro real.

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