Calculadora de hipoteca
Estimar el pago mensual fijo de capital e intereses de una hipoteca y su costo total durante la vida útil del préstamo.
Visual summary
Mortgage balance and interest over time
Compare principal and interest, see how each payment interval changes, and follow the projected balance to payoff.
Total repayment
Principal $200,000Interest $231,676
Principal and interest payments
Payoff projection
`r`n
| Period | Principal paid | Interest paid | Remaining balance |
|---|---|---|---|
| Start | $0.00 | $0.00 | $200,000 |
| 15 mo | $3,093 | $14,893 | $196,907 |
| 30 mo | $3,334 | $14,653 | $193,573 |
| 45 mo | $3,593 | $14,394 | $189,980 |
| Year 5 | $3,872 | $14,115 | $186,109 |
| 75 mo | $4,172 | $13,814 | $181,936 |
| 90 mo | $4,497 | $13,490 | $177,440 |
| 105 mo | $4,846 | $13,141 | $172,594 |
| Year 10 | $5,222 | $12,764 | $167,371 |
| 135 mo | $5,628 | $12,358 | $161,743 |
| 150 mo | $6,065 | $11,921 | $155,678 |
| 165 mo | $6,536 | $11,450 | $149,142 |
| Year 15 | $7,044 | $10,942 | $142,098 |
| 195 mo | $7,591 | $10,395 | $134,506 |
| 210 mo | $8,181 | $9,805 | $126,325 |
| 225 mo | $8,817 | $9,170 | $117,509 |
| Year 20 | $9,501 | $8,485 | $108,007 |
| 255 mo | $10,240 | $7,747 | $97,768 |
| 270 mo | $11,035 | $6,951 | $86,733 |
| 285 mo | $11,892 | $6,094 | $74,840 |
| Year 25 | $12,816 | $5,170 | $62,024 |
| 315 mo | $13,812 | $4,175 | $48,212 |
| 330 mo | $14,885 | $3,102 | $33,328 |
| 345 mo | $16,041 | $1,946 | $17,287 |
| Year 30 | $17,287 | $699.53 | $0.00 |
Mortgage repayment analysis
Explore extra payments, rate sensitivity, refinance break-even, and the complete amortization schedule. Estimates exclude fees, insurance, taxes, penalties, and changing rates.
Extra-payment scenario
Refinance scenario
The estimated monthly saving would recover $2,000.00 in refinancing costs after 16 months.
Compare interest rates
| Rate | Monthly payment | Total repaid | Total interest |
|---|---|---|---|
| 3% | $843.21 | $303,554.90 | $103,554.90 |
| 4% | $954.83 | $343,739.01 | $143,739.01 |
| 5% | $1,073.64 | $386,511.57 | $186,511.57 |
| 6% | $1,199.10 | $431,676.38 | $231,676.38 |
| 7% | $1,330.60 | $479,017.80 | $279,017.80 |
| 8% | $1,467.53 | $528,310.49 | $328,310.49 |
Year-by-year summary (30 years)
| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $2,456.02 | $11,933.19 | $197,543.98 |
| 2 | $2,607.51 | $11,781.71 | $194,936.47 |
| 3 | $2,768.33 | $11,620.88 | $192,168.14 |
| 4 | $2,939.08 | $11,450.14 | $189,229.06 |
| 5 | $3,120.35 | $11,268.86 | $186,108.71 |
| 6 | $3,312.81 | $11,076.41 | $182,795.91 |
| 7 | $3,517.13 | $10,872.08 | $179,278.77 |
| 8 | $3,734.06 | $10,655.15 | $175,544.71 |
| 9 | $3,964.37 | $10,424.84 | $171,580.34 |
| 10 | $4,208.89 | $10,180.33 | $167,371.45 |
| 11 | $4,468.48 | $9,920.73 | $162,902.97 |
| 12 | $4,744.09 | $9,645.13 | $158,158.88 |
| 13 | $5,036.69 | $9,352.52 | $153,122.19 |
| 14 | $5,347.34 | $9,041.87 | $147,774.85 |
| 15 | $5,677.16 | $8,712.06 | $142,097.69 |
| 16 | $6,027.31 | $8,361.90 | $136,070.38 |
| 17 | $6,399.06 | $7,990.15 | $129,671.31 |
| 18 | $6,793.74 | $7,595.47 | $122,877.57 |
| 19 | $7,212.77 | $7,176.45 | $115,664.81 |
| 20 | $7,657.63 | $6,731.58 | $108,007.17 |
| 21 | $8,129.94 | $6,259.27 | $99,877.23 |
| 22 | $8,631.38 | $5,757.84 | $91,245.86 |
| 23 | $9,163.74 | $5,225.47 | $82,082.12 |
| 24 | $9,728.94 | $4,660.27 | $72,353.17 |
| 25 | $10,329.00 | $4,060.21 | $62,024.17 |
| 26 | $10,966.07 | $3,423.14 | $51,058.10 |
| 27 | $11,642.43 | $2,746.78 | $39,415.67 |
| 28 | $12,360.51 | $2,028.70 | $27,055.16 |
| 29 | $13,122.88 | $1,266.33 | $13,932.27 |
| 30 | $13,932.27 | $456.94 | $0.00 |
Full monthly amortization schedule (360 months)
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $1,199.10 | $199.10 | $1,000.00 | $199,800.90 |
| 2 | $1,199.10 | $200.10 | $999.00 | $199,600.80 |
| 3 | $1,199.10 | $201.10 | $998.00 | $199,399.71 |
| 4 | $1,199.10 | $202.10 | $997.00 | $199,197.60 |
| 5 | $1,199.10 | $203.11 | $995.99 | $198,994.49 |
| 6 | $1,199.10 | $204.13 | $994.97 | $198,790.36 |
| 7 | $1,199.10 | $205.15 | $993.95 | $198,585.21 |
| 8 | $1,199.10 | $206.17 | $992.93 | $198,379.04 |
| 9 | $1,199.10 | $207.21 | $991.90 | $198,171.83 |
| 10 | $1,199.10 | $208.24 | $990.86 | $197,963.59 |
| 11 | $1,199.10 | $209.28 | $989.82 | $197,754.31 |
| 12 | $1,199.10 | $210.33 | $988.77 | $197,543.98 |
| 13 | $1,199.10 | $211.38 | $987.72 | $197,332.60 |
| 14 | $1,199.10 | $212.44 | $986.66 | $197,120.16 |
| 15 | $1,199.10 | $213.50 | $985.60 | $196,906.66 |
| 16 | $1,199.10 | $214.57 | $984.53 | $196,692.09 |
| 17 | $1,199.10 | $215.64 | $983.46 | $196,476.45 |
| 18 | $1,199.10 | $216.72 | $982.38 | $196,259.73 |
| 19 | $1,199.10 | $217.80 | $981.30 | $196,041.93 |
| 20 | $1,199.10 | $218.89 | $980.21 | $195,823.04 |
| 21 | $1,199.10 | $219.99 | $979.12 | $195,603.05 |
| 22 | $1,199.10 | $221.09 | $978.02 | $195,381.96 |
| 23 | $1,199.10 | $222.19 | $976.91 | $195,159.77 |
| 24 | $1,199.10 | $223.30 | $975.80 | $194,936.47 |
| 25 | $1,199.10 | $224.42 | $974.68 | $194,712.05 |
| 26 | $1,199.10 | $225.54 | $973.56 | $194,486.51 |
| 27 | $1,199.10 | $226.67 | $972.43 | $194,259.84 |
| 28 | $1,199.10 | $227.80 | $971.30 | $194,032.04 |
| 29 | $1,199.10 | $228.94 | $970.16 | $193,803.10 |
| 30 | $1,199.10 | $230.09 | $969.02 | $193,573.01 |
| 31 | $1,199.10 | $231.24 | $967.87 | $193,341.78 |
| 32 | $1,199.10 | $232.39 | $966.71 | $193,109.39 |
| 33 | $1,199.10 | $233.55 | $965.55 | $192,875.83 |
| 34 | $1,199.10 | $234.72 | $964.38 | $192,641.11 |
| 35 | $1,199.10 | $235.90 | $963.21 | $192,405.22 |
| 36 | $1,199.10 | $237.07 | $962.03 | $192,168.14 |
| 37 | $1,199.10 | $238.26 | $960.84 | $191,929.88 |
| 38 | $1,199.10 | $239.45 | $959.65 | $191,690.43 |
| 39 | $1,199.10 | $240.65 | $958.45 | $191,449.78 |
| 40 | $1,199.10 | $241.85 | $957.25 | $191,207.93 |
| 41 | $1,199.10 | $243.06 | $956.04 | $190,964.87 |
| 42 | $1,199.10 | $244.28 | $954.82 | $190,720.59 |
| 43 | $1,199.10 | $245.50 | $953.60 | $190,475.09 |
| 44 | $1,199.10 | $246.73 | $952.38 | $190,228.37 |
| 45 | $1,199.10 | $247.96 | $951.14 | $189,980.41 |
| 46 | $1,199.10 | $249.20 | $949.90 | $189,731.21 |
| 47 | $1,199.10 | $250.45 | $948.66 | $189,480.76 |
| 48 | $1,199.10 | $251.70 | $947.40 | $189,229.06 |
| 49 | $1,199.10 | $252.96 | $946.15 | $188,976.11 |
| 50 | $1,199.10 | $254.22 | $944.88 | $188,721.89 |
| 51 | $1,199.10 | $255.49 | $943.61 | $188,466.40 |
| 52 | $1,199.10 | $256.77 | $942.33 | $188,209.63 |
| 53 | $1,199.10 | $258.05 | $941.05 | $187,951.57 |
| 54 | $1,199.10 | $259.34 | $939.76 | $187,692.23 |
| 55 | $1,199.10 | $260.64 | $938.46 | $187,431.59 |
| 56 | $1,199.10 | $261.94 | $937.16 | $187,169.65 |
| 57 | $1,199.10 | $263.25 | $935.85 | $186,906.40 |
| 58 | $1,199.10 | $264.57 | $934.53 | $186,641.83 |
| 59 | $1,199.10 | $265.89 | $933.21 | $186,375.94 |
| 60 | $1,199.10 | $267.22 | $931.88 | $186,108.71 |
| 61 | $1,199.10 | $268.56 | $930.54 | $185,840.16 |
| 62 | $1,199.10 | $269.90 | $929.20 | $185,570.26 |
| 63 | $1,199.10 | $271.25 | $927.85 | $185,299.01 |
| 64 | $1,199.10 | $272.61 | $926.50 | $185,026.40 |
| 65 | $1,199.10 | $273.97 | $925.13 | $184,752.43 |
| 66 | $1,199.10 | $275.34 | $923.76 | $184,477.09 |
| 67 | $1,199.10 | $276.72 | $922.39 | $184,200.38 |
| 68 | $1,199.10 | $278.10 | $921.00 | $183,922.28 |
| 69 | $1,199.10 | $279.49 | $919.61 | $183,642.79 |
| 70 | $1,199.10 | $280.89 | $918.21 | $183,361.90 |
| 71 | $1,199.10 | $282.29 | $916.81 | $183,079.61 |
| 72 | $1,199.10 | $283.70 | $915.40 | $182,795.91 |
| 73 | $1,199.10 | $285.12 | $913.98 | $182,510.78 |
| 74 | $1,199.10 | $286.55 | $912.55 | $182,224.24 |
| 75 | $1,199.10 | $287.98 | $911.12 | $181,936.26 |
| 76 | $1,199.10 | $289.42 | $909.68 | $181,646.84 |
| 77 | $1,199.10 | $290.87 | $908.23 | $181,355.97 |
| 78 | $1,199.10 | $292.32 | $906.78 | $181,063.65 |
| 79 | $1,199.10 | $293.78 | $905.32 | $180,769.87 |
| 80 | $1,199.10 | $295.25 | $903.85 | $180,474.62 |
| 81 | $1,199.10 | $296.73 | $902.37 | $180,177.89 |
| 82 | $1,199.10 | $298.21 | $900.89 | $179,879.68 |
| 83 | $1,199.10 | $299.70 | $899.40 | $179,579.97 |
| 84 | $1,199.10 | $301.20 | $897.90 | $179,278.77 |
| 85 | $1,199.10 | $302.71 | $896.39 | $178,976.06 |
| 86 | $1,199.10 | $304.22 | $894.88 | $178,671.84 |
| 87 | $1,199.10 | $305.74 | $893.36 | $178,366.10 |
| 88 | $1,199.10 | $307.27 | $891.83 | $178,058.83 |
| 89 | $1,199.10 | $308.81 | $890.29 | $177,750.02 |
| 90 | $1,199.10 | $310.35 | $888.75 | $177,439.67 |
| 91 | $1,199.10 | $311.90 | $887.20 | $177,127.77 |
| 92 | $1,199.10 | $313.46 | $885.64 | $176,814.31 |
| 93 | $1,199.10 | $315.03 | $884.07 | $176,499.28 |
| 94 | $1,199.10 | $316.60 | $882.50 | $176,182.67 |
| 95 | $1,199.10 | $318.19 | $880.91 | $175,864.49 |
| 96 | $1,199.10 | $319.78 | $879.32 | $175,544.71 |
| 97 | $1,199.10 | $321.38 | $877.72 | $175,223.33 |
| 98 | $1,199.10 | $322.98 | $876.12 | $174,900.35 |
| 99 | $1,199.10 | $324.60 | $874.50 | $174,575.75 |
| 100 | $1,199.10 | $326.22 | $872.88 | $174,249.52 |
| 101 | $1,199.10 | $327.85 | $871.25 | $173,921.67 |
| 102 | $1,199.10 | $329.49 | $869.61 | $173,592.18 |
| 103 | $1,199.10 | $331.14 | $867.96 | $173,261.04 |
| 104 | $1,199.10 | $332.80 | $866.31 | $172,928.24 |
| 105 | $1,199.10 | $334.46 | $864.64 | $172,593.78 |
| 106 | $1,199.10 | $336.13 | $862.97 | $172,257.65 |
| 107 | $1,199.10 | $337.81 | $861.29 | $171,919.84 |
| 108 | $1,199.10 | $339.50 | $859.60 | $171,580.34 |
| 109 | $1,199.10 | $341.20 | $857.90 | $171,239.14 |
| 110 | $1,199.10 | $342.91 | $856.20 | $170,896.23 |
| 111 | $1,199.10 | $344.62 | $854.48 | $170,551.61 |
| 112 | $1,199.10 | $346.34 | $852.76 | $170,205.27 |
| 113 | $1,199.10 | $348.07 | $851.03 | $169,857.19 |
| 114 | $1,199.10 | $349.82 | $849.29 | $169,507.38 |
| 115 | $1,199.10 | $351.56 | $847.54 | $169,155.81 |
| 116 | $1,199.10 | $353.32 | $845.78 | $168,802.49 |
| 117 | $1,199.10 | $355.09 | $844.01 | $168,447.40 |
| 118 | $1,199.10 | $356.86 | $842.24 | $168,090.54 |
| 119 | $1,199.10 | $358.65 | $840.45 | $167,731.89 |
| 120 | $1,199.10 | $360.44 | $838.66 | $167,371.45 |
| 121 | $1,199.10 | $362.24 | $836.86 | $167,009.21 |
| 122 | $1,199.10 | $364.06 | $835.05 | $166,645.15 |
| 123 | $1,199.10 | $365.88 | $833.23 | $166,279.28 |
| 124 | $1,199.10 | $367.70 | $831.40 | $165,911.57 |
| 125 | $1,199.10 | $369.54 | $829.56 | $165,542.03 |
| 126 | $1,199.10 | $371.39 | $827.71 | $165,170.64 |
| 127 | $1,199.10 | $373.25 | $825.85 | $164,797.39 |
| 128 | $1,199.10 | $375.11 | $823.99 | $164,422.28 |
| 129 | $1,199.10 | $376.99 | $822.11 | $164,045.29 |
| 130 | $1,199.10 | $378.87 | $820.23 | $163,666.41 |
| 131 | $1,199.10 | $380.77 | $818.33 | $163,285.64 |
| 132 | $1,199.10 | $382.67 | $816.43 | $162,902.97 |
| 133 | $1,199.10 | $384.59 | $814.51 | $162,518.38 |
| 134 | $1,199.10 | $386.51 | $812.59 | $162,131.87 |
| 135 | $1,199.10 | $388.44 | $810.66 | $161,743.43 |
| 136 | $1,199.10 | $390.38 | $808.72 | $161,353.05 |
| 137 | $1,199.10 | $392.34 | $806.77 | $160,960.71 |
| 138 | $1,199.10 | $394.30 | $804.80 | $160,566.41 |
| 139 | $1,199.10 | $396.27 | $802.83 | $160,170.15 |
| 140 | $1,199.10 | $398.25 | $800.85 | $159,771.90 |
| 141 | $1,199.10 | $400.24 | $798.86 | $159,371.65 |
| 142 | $1,199.10 | $402.24 | $796.86 | $158,969.41 |
| 143 | $1,199.10 | $404.25 | $794.85 | $158,565.16 |
| 144 | $1,199.10 | $406.28 | $792.83 | $158,158.88 |
| 145 | $1,199.10 | $408.31 | $790.79 | $157,750.58 |
| 146 | $1,199.10 | $410.35 | $788.75 | $157,340.23 |
| 147 | $1,199.10 | $412.40 | $786.70 | $156,927.83 |
| 148 | $1,199.10 | $414.46 | $784.64 | $156,513.37 |
| 149 | $1,199.10 | $416.53 | $782.57 | $156,096.83 |
| 150 | $1,199.10 | $418.62 | $780.48 | $155,678.21 |
| 151 | $1,199.10 | $420.71 | $778.39 | $155,257.50 |
| 152 | $1,199.10 | $422.81 | $776.29 | $154,834.69 |
| 153 | $1,199.10 | $424.93 | $774.17 | $154,409.76 |
| 154 | $1,199.10 | $427.05 | $772.05 | $153,982.71 |
| 155 | $1,199.10 | $429.19 | $769.91 | $153,553.52 |
| 156 | $1,199.10 | $431.33 | $767.77 | $153,122.19 |
| 157 | $1,199.10 | $433.49 | $765.61 | $152,688.70 |
| 158 | $1,199.10 | $435.66 | $763.44 | $152,253.04 |
| 159 | $1,199.10 | $437.84 | $761.27 | $151,815.21 |
| 160 | $1,199.10 | $440.03 | $759.08 | $151,375.18 |
| 161 | $1,199.10 | $442.23 | $756.88 | $150,932.96 |
| 162 | $1,199.10 | $444.44 | $754.66 | $150,488.52 |
| 163 | $1,199.10 | $446.66 | $752.44 | $150,041.86 |
| 164 | $1,199.10 | $448.89 | $750.21 | $149,592.97 |
| 165 | $1,199.10 | $451.14 | $747.96 | $149,141.83 |
| 166 | $1,199.10 | $453.39 | $745.71 | $148,688.44 |
| 167 | $1,199.10 | $455.66 | $743.44 | $148,232.78 |
| 168 | $1,199.10 | $457.94 | $741.16 | $147,774.85 |
| 169 | $1,199.10 | $460.23 | $738.87 | $147,314.62 |
| 170 | $1,199.10 | $462.53 | $736.57 | $146,852.09 |
| 171 | $1,199.10 | $464.84 | $734.26 | $146,387.25 |
| 172 | $1,199.10 | $467.16 | $731.94 | $145,920.09 |
| 173 | $1,199.10 | $469.50 | $729.60 | $145,450.58 |
| 174 | $1,199.10 | $471.85 | $727.25 | $144,978.74 |
| 175 | $1,199.10 | $474.21 | $724.89 | $144,504.53 |
| 176 | $1,199.10 | $476.58 | $722.52 | $144,027.95 |
| 177 | $1,199.10 | $478.96 | $720.14 | $143,548.99 |
| 178 | $1,199.10 | $481.36 | $717.74 | $143,067.63 |
| 179 | $1,199.10 | $483.76 | $715.34 | $142,583.87 |
| 180 | $1,199.10 | $486.18 | $712.92 | $142,097.69 |
| 181 | $1,199.10 | $488.61 | $710.49 | $141,609.08 |
| 182 | $1,199.10 | $491.06 | $708.05 | $141,118.02 |
| 183 | $1,199.10 | $493.51 | $705.59 | $140,624.51 |
| 184 | $1,199.10 | $495.98 | $703.12 | $140,128.53 |
| 185 | $1,199.10 | $498.46 | $700.64 | $139,630.07 |
| 186 | $1,199.10 | $500.95 | $698.15 | $139,129.12 |
| 187 | $1,199.10 | $503.46 | $695.65 | $138,625.67 |
| 188 | $1,199.10 | $505.97 | $693.13 | $138,119.69 |
| 189 | $1,199.10 | $508.50 | $690.60 | $137,611.19 |
| 190 | $1,199.10 | $511.05 | $688.06 | $137,100.15 |
| 191 | $1,199.10 | $513.60 | $685.50 | $136,586.55 |
| 192 | $1,199.10 | $516.17 | $682.93 | $136,070.38 |
| 193 | $1,199.10 | $518.75 | $680.35 | $135,551.63 |
| 194 | $1,199.10 | $521.34 | $677.76 | $135,030.29 |
| 195 | $1,199.10 | $523.95 | $675.15 | $134,506.34 |
| 196 | $1,199.10 | $526.57 | $672.53 | $133,979.77 |
| 197 | $1,199.10 | $529.20 | $669.90 | $133,450.56 |
| 198 | $1,199.10 | $531.85 | $667.25 | $132,918.72 |
| 199 | $1,199.10 | $534.51 | $664.59 | $132,384.21 |
| 200 | $1,199.10 | $537.18 | $661.92 | $131,847.03 |
| 201 | $1,199.10 | $539.87 | $659.24 | $131,307.16 |
| 202 | $1,199.10 | $542.57 | $656.54 | $130,764.60 |
| 203 | $1,199.10 | $545.28 | $653.82 | $130,219.32 |
| 204 | $1,199.10 | $548.00 | $651.10 | $129,671.31 |
| 205 | $1,199.10 | $550.74 | $648.36 | $129,120.57 |
| 206 | $1,199.10 | $553.50 | $645.60 | $128,567.07 |
| 207 | $1,199.10 | $556.27 | $642.84 | $128,010.81 |
| 208 | $1,199.10 | $559.05 | $640.05 | $127,451.76 |
| 209 | $1,199.10 | $561.84 | $637.26 | $126,889.92 |
| 210 | $1,199.10 | $564.65 | $634.45 | $126,325.27 |
| 211 | $1,199.10 | $567.47 | $631.63 | $125,757.79 |
| 212 | $1,199.10 | $570.31 | $628.79 | $125,187.48 |
| 213 | $1,199.10 | $573.16 | $625.94 | $124,614.32 |
| 214 | $1,199.10 | $576.03 | $623.07 | $124,038.29 |
| 215 | $1,199.10 | $578.91 | $620.19 | $123,459.38 |
| 216 | $1,199.10 | $581.80 | $617.30 | $122,877.57 |
| 217 | $1,199.10 | $584.71 | $614.39 | $122,292.86 |
| 218 | $1,199.10 | $587.64 | $611.46 | $121,705.22 |
| 219 | $1,199.10 | $590.57 | $608.53 | $121,114.65 |
| 220 | $1,199.10 | $593.53 | $605.57 | $120,521.12 |
| 221 | $1,199.10 | $596.50 | $602.61 | $119,924.62 |
| 222 | $1,199.10 | $599.48 | $599.62 | $119,325.15 |
| 223 | $1,199.10 | $602.48 | $596.63 | $118,722.67 |
| 224 | $1,199.10 | $605.49 | $593.61 | $118,117.18 |
| 225 | $1,199.10 | $608.52 | $590.59 | $117,508.67 |
| 226 | $1,199.10 | $611.56 | $587.54 | $116,897.11 |
| 227 | $1,199.10 | $614.62 | $584.49 | $116,282.49 |
| 228 | $1,199.10 | $617.69 | $581.41 | $115,664.81 |
| 229 | $1,199.10 | $620.78 | $578.32 | $115,044.03 |
| 230 | $1,199.10 | $623.88 | $575.22 | $114,420.15 |
| 231 | $1,199.10 | $627.00 | $572.10 | $113,793.15 |
| 232 | $1,199.10 | $630.14 | $568.97 | $113,163.01 |
| 233 | $1,199.10 | $633.29 | $565.82 | $112,529.73 |
| 234 | $1,199.10 | $636.45 | $562.65 | $111,893.27 |
| 235 | $1,199.10 | $639.63 | $559.47 | $111,253.64 |
| 236 | $1,199.10 | $642.83 | $556.27 | $110,610.81 |
| 237 | $1,199.10 | $646.05 | $553.05 | $109,964.76 |
| 238 | $1,199.10 | $649.28 | $549.82 | $109,315.48 |
| 239 | $1,199.10 | $652.52 | $546.58 | $108,662.96 |
| 240 | $1,199.10 | $655.79 | $543.31 | $108,007.17 |
| 241 | $1,199.10 | $659.07 | $540.04 | $107,348.11 |
| 242 | $1,199.10 | $662.36 | $536.74 | $106,685.75 |
| 243 | $1,199.10 | $665.67 | $533.43 | $106,020.07 |
| 244 | $1,199.10 | $669.00 | $530.10 | $105,351.07 |
| 245 | $1,199.10 | $672.35 | $526.76 | $104,678.73 |
| 246 | $1,199.10 | $675.71 | $523.39 | $104,003.02 |
| 247 | $1,199.10 | $679.09 | $520.02 | $103,323.93 |
| 248 | $1,199.10 | $682.48 | $516.62 | $102,641.45 |
| 249 | $1,199.10 | $685.89 | $513.21 | $101,955.56 |
| 250 | $1,199.10 | $689.32 | $509.78 | $101,266.24 |
| 251 | $1,199.10 | $692.77 | $506.33 | $100,573.47 |
| 252 | $1,199.10 | $696.23 | $502.87 | $99,877.23 |
| 253 | $1,199.10 | $699.71 | $499.39 | $99,177.52 |
| 254 | $1,199.10 | $703.21 | $495.89 | $98,474.30 |
| 255 | $1,199.10 | $706.73 | $492.37 | $97,767.57 |
| 256 | $1,199.10 | $710.26 | $488.84 | $97,057.31 |
| 257 | $1,199.10 | $713.81 | $485.29 | $96,343.50 |
| 258 | $1,199.10 | $717.38 | $481.72 | $95,626.11 |
| 259 | $1,199.10 | $720.97 | $478.13 | $94,905.14 |
| 260 | $1,199.10 | $724.58 | $474.53 | $94,180.57 |
| 261 | $1,199.10 | $728.20 | $470.90 | $93,452.37 |
| 262 | $1,199.10 | $731.84 | $467.26 | $92,720.53 |
| 263 | $1,199.10 | $735.50 | $463.60 | $91,985.03 |
| 264 | $1,199.10 | $739.18 | $459.93 | $91,245.86 |
| 265 | $1,199.10 | $742.87 | $456.23 | $90,502.98 |
| 266 | $1,199.10 | $746.59 | $452.51 | $89,756.40 |
| 267 | $1,199.10 | $750.32 | $448.78 | $89,006.08 |
| 268 | $1,199.10 | $754.07 | $445.03 | $88,252.01 |
| 269 | $1,199.10 | $757.84 | $441.26 | $87,494.17 |
| 270 | $1,199.10 | $761.63 | $437.47 | $86,732.54 |
| 271 | $1,199.10 | $765.44 | $433.66 | $85,967.10 |
| 272 | $1,199.10 | $769.27 | $429.84 | $85,197.83 |
| 273 | $1,199.10 | $773.11 | $425.99 | $84,424.72 |
| 274 | $1,199.10 | $776.98 | $422.12 | $83,647.74 |
| 275 | $1,199.10 | $780.86 | $418.24 | $82,866.88 |
| 276 | $1,199.10 | $784.77 | $414.33 | $82,082.12 |
| 277 | $1,199.10 | $788.69 | $410.41 | $81,293.42 |
| 278 | $1,199.10 | $792.63 | $406.47 | $80,500.79 |
| 279 | $1,199.10 | $796.60 | $402.50 | $79,704.19 |
| 280 | $1,199.10 | $800.58 | $398.52 | $78,903.61 |
| 281 | $1,199.10 | $804.58 | $394.52 | $78,099.03 |
| 282 | $1,199.10 | $808.61 | $390.50 | $77,290.42 |
| 283 | $1,199.10 | $812.65 | $386.45 | $76,477.78 |
| 284 | $1,199.10 | $816.71 | $382.39 | $75,661.06 |
| 285 | $1,199.10 | $820.80 | $378.31 | $74,840.27 |
| 286 | $1,199.10 | $824.90 | $374.20 | $74,015.37 |
| 287 | $1,199.10 | $829.02 | $370.08 | $73,186.34 |
| 288 | $1,199.10 | $833.17 | $365.93 | $72,353.17 |
| 289 | $1,199.10 | $837.34 | $361.77 | $71,515.84 |
| 290 | $1,199.10 | $841.52 | $357.58 | $70,674.32 |
| 291 | $1,199.10 | $845.73 | $353.37 | $69,828.59 |
| 292 | $1,199.10 | $849.96 | $349.14 | $68,978.63 |
| 293 | $1,199.10 | $854.21 | $344.89 | $68,124.42 |
| 294 | $1,199.10 | $858.48 | $340.62 | $67,265.94 |
| 295 | $1,199.10 | $862.77 | $336.33 | $66,403.17 |
| 296 | $1,199.10 | $867.09 | $332.02 | $65,536.09 |
| 297 | $1,199.10 | $871.42 | $327.68 | $64,664.67 |
| 298 | $1,199.10 | $875.78 | $323.32 | $63,788.89 |
| 299 | $1,199.10 | $880.16 | $318.94 | $62,908.73 |
| 300 | $1,199.10 | $884.56 | $314.54 | $62,024.17 |
| 301 | $1,199.10 | $888.98 | $310.12 | $61,135.19 |
| 302 | $1,199.10 | $893.43 | $305.68 | $60,241.77 |
| 303 | $1,199.10 | $897.89 | $301.21 | $59,343.88 |
| 304 | $1,199.10 | $902.38 | $296.72 | $58,441.50 |
| 305 | $1,199.10 | $906.89 | $292.21 | $57,534.60 |
| 306 | $1,199.10 | $911.43 | $287.67 | $56,623.17 |
| 307 | $1,199.10 | $915.99 | $283.12 | $55,707.19 |
| 308 | $1,199.10 | $920.57 | $278.54 | $54,786.62 |
| 309 | $1,199.10 | $925.17 | $273.93 | $53,861.46 |
| 310 | $1,199.10 | $929.79 | $269.31 | $52,931.66 |
| 311 | $1,199.10 | $934.44 | $264.66 | $51,997.22 |
| 312 | $1,199.10 | $939.11 | $259.99 | $51,058.10 |
| 313 | $1,199.10 | $943.81 | $255.29 | $50,114.29 |
| 314 | $1,199.10 | $948.53 | $250.57 | $49,165.76 |
| 315 | $1,199.10 | $953.27 | $245.83 | $48,212.49 |
| 316 | $1,199.10 | $958.04 | $241.06 | $47,254.45 |
| 317 | $1,199.10 | $962.83 | $236.27 | $46,291.62 |
| 318 | $1,199.10 | $967.64 | $231.46 | $45,323.98 |
| 319 | $1,199.10 | $972.48 | $226.62 | $44,351.50 |
| 320 | $1,199.10 | $977.34 | $221.76 | $43,374.16 |
| 321 | $1,199.10 | $982.23 | $216.87 | $42,391.93 |
| 322 | $1,199.10 | $987.14 | $211.96 | $41,404.78 |
| 323 | $1,199.10 | $992.08 | $207.02 | $40,412.71 |
| 324 | $1,199.10 | $997.04 | $202.06 | $39,415.67 |
| 325 | $1,199.10 | $1,002.02 | $197.08 | $38,413.65 |
| 326 | $1,199.10 | $1,007.03 | $192.07 | $37,406.61 |
| 327 | $1,199.10 | $1,012.07 | $187.03 | $36,394.55 |
| 328 | $1,199.10 | $1,017.13 | $181.97 | $35,377.42 |
| 329 | $1,199.10 | $1,022.21 | $176.89 | $34,355.20 |
| 330 | $1,199.10 | $1,027.33 | $171.78 | $33,327.88 |
| 331 | $1,199.10 | $1,032.46 | $166.64 | $32,295.42 |
| 332 | $1,199.10 | $1,037.62 | $161.48 | $31,257.79 |
| 333 | $1,199.10 | $1,042.81 | $156.29 | $30,214.98 |
| 334 | $1,199.10 | $1,048.03 | $151.07 | $29,166.96 |
| 335 | $1,199.10 | $1,053.27 | $145.83 | $28,113.69 |
| 336 | $1,199.10 | $1,058.53 | $140.57 | $27,055.16 |
| 337 | $1,199.10 | $1,063.83 | $135.28 | $25,991.33 |
| 338 | $1,199.10 | $1,069.14 | $129.96 | $24,922.19 |
| 339 | $1,199.10 | $1,074.49 | $124.61 | $23,847.70 |
| 340 | $1,199.10 | $1,079.86 | $119.24 | $22,767.83 |
| 341 | $1,199.10 | $1,085.26 | $113.84 | $21,682.57 |
| 342 | $1,199.10 | $1,090.69 | $108.41 | $20,591.88 |
| 343 | $1,199.10 | $1,096.14 | $102.96 | $19,495.74 |
| 344 | $1,199.10 | $1,101.62 | $97.48 | $18,394.12 |
| 345 | $1,199.10 | $1,107.13 | $91.97 | $17,286.99 |
| 346 | $1,199.10 | $1,112.67 | $86.43 | $16,174.32 |
| 347 | $1,199.10 | $1,118.23 | $80.87 | $15,056.09 |
| 348 | $1,199.10 | $1,123.82 | $75.28 | $13,932.27 |
| 349 | $1,199.10 | $1,129.44 | $69.66 | $12,802.83 |
| 350 | $1,199.10 | $1,135.09 | $64.01 | $11,667.75 |
| 351 | $1,199.10 | $1,140.76 | $58.34 | $10,526.98 |
| 352 | $1,199.10 | $1,146.47 | $52.63 | $9,380.52 |
| 353 | $1,199.10 | $1,152.20 | $46.90 | $8,228.32 |
| 354 | $1,199.10 | $1,157.96 | $41.14 | $7,070.36 |
| 355 | $1,199.10 | $1,163.75 | $35.35 | $5,906.61 |
| 356 | $1,199.10 | $1,169.57 | $29.53 | $4,737.04 |
| 357 | $1,199.10 | $1,175.42 | $23.69 | $3,561.63 |
| 358 | $1,199.10 | $1,181.29 | $17.81 | $2,380.33 |
| 359 | $1,199.10 | $1,187.20 | $11.90 | $1,193.14 |
| 360 | $1,199.10 | $1,193.14 | $5.97 | $0.00 |
Calculations happen locally in your browser.
Cómo usar esto calculator
- Ingrese el capital de la hipoteca, la tasa de interés anual y el plazo en años. Luego, simule pagos mensuales adicionales o una tasa de refinanciamiento más baja.
- Revisar el resultado en tiempo real y utilizar la opción "Copiar resultado" cuando necesite compartirlo.
Cómo calculation works
La fórmula de amortización estándar genera el pago programado y el calendario mensual completo. Los pagos adicionales reducen el capital directamente; el punto de equilibrio de la refinanciación divide los costos entre los ahorros mensuales.
Fórmula
Payment = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)
Paso a paso calculation
- Ingrese el capital de la hipoteca, la tasa de interés anual y el plazo en años. Luego, simule pagos mensuales adicionales o una tasa de refinanciamiento más baja.
- La fórmula de amortización estándar genera el pago programado y el calendario mensual completo. Los pagos adicionales reducen el capital directamente; el punto de equilibrio de la refinanciación divide los costos entre los ahorros mensuales.
- Verifique el resultado mostrado y, si es necesario, cópielo.
Ejemplo resuelto
Una hipoteca de $200.000 al 6% a 30 años tiene una cuota mensual estimada de $1.199,10 en la moneda seleccionada; un pago adicional de $200 al mes la amortiza en unos 21 años y ahorra unos $79.800 en intereses.
Guía de riesgos
Preguntas frecuentes
¿Incluye impuestos, seguros o tasas?
No. El resultado cubre solo el capital y los intereses; los costos de propiedad y las comisiones del prestamista deben agregarse por separado.
¿Esta herramienta envía mis datos a algún lugar?
No. El cálculo interactivo se ejecuta en su navegador y este sitio no envía datos de la herramienta a un servidor.
¿Cómo debo usar el resultado?
Verifique que las unidades y los valores introducidos coincidan con su situación, especialmente en lo que respecta a fechas, intervalos y redondeo.
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