Financial Toolset

Calculadora de Amortización de Préstamos

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Metodología y Fuentes

Mortgage Interest Rates

Auto Loan Rates

Total Interest on Long-Term Loans

Extra Payment Impact

Our amortization calculator uses the standard loan payment formula: M = P[r(1+r)^n]/[(1+r)^n-1], where M is monthly payment, P is principal, r is monthly interest rate, and n is number of payments.

Average 30-year fixed mortgage rates have ranged from 3-7% in recent years, with rates varying based on credit score, down payment, and economic conditions.

Source: Freddie Mac - Primary Mortgage Market Survey

New car loans average 5-7% APR, while used car loans range from 6-10% depending on credit score and vehicle age.

Source: Federal Reserve - Consumer Credit Rates

On a 30-year mortgage, borrowers typically pay 50-100% of the original loan amount in interest, depending on the rate.

Source: CFPB - Understanding Your Loan Estimate

Making one extra mortgage payment per year can reduce a 30-year loan to 26 years and save tens of thousands in interest.

Source: Bankrate - Mortgage Calculator with Extra Payments

Disclaimer: This calculator provides estimated amortization schedules based on the terms you enter. Actual loan terms may include additional costs like PMI, taxes, insurance, and fees not reflected in this calculation. Verify with your lender for exact figures.

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¿Qué es la Amortización de un Préstamo?

Loan amortization is the process of paying off a loan over time through regular payments. Each payment is split between principal (paying down the loan balance) and interest (the cost of borrowing).

Early in the loan, most of your payment goes to interest. As the balance decreases, more goes to principal. This is why extra payments in the early years have such a powerful impact—they reduce the principal that future interest is calculated on.

Cómo Funcionan los Pagos de Préstamos

Example: $300,000 loan at 6.5% for 30 years

Monthly payment: $1,896

First payment breakdown:

  • • Interest: $1,625
  • • Principal: $271

Payment #180 (halfway through):

  • • Interest: $1,169
  • • Principal: $727

Final payment:

  • • Interest: $10
  • • Principal: $1,886

Total interest paid: $382,633 (128% of the original loan!)

El Poder de los Pagos Extra

Sin Pago Extra

Con $200 Extra/Mes

Los pagos extra se aplican directamente al principal, lo que reduce la cantidad de interés cobrado en futuros pagos. Incluso pequeños pagos extra hacen una gran diferencia con el tiempo.

  • • Pago mensual: $1,896
  • • Interés total: $382,633
  • • Liquidación: 30 años
  • • Pago mensual: $2,096
  • • Interés total: $272,478
  • • Liquidación: 22 años 4 meses
  • • ¡Ahorra $110,155!

Estrategias para Pagar Tu Préstamo Más Rápido

⚠️ Consideraciones Importantes

  1. Hacer pagos quincenales: En lugar de un pago mensual, paga la mitad cada dos semanas. Harás 13 pagos completos por año en lugar de 12.
  2. Redondea tu pago: Si tu pago es de $1,234, redondea a $1,300 o $1,500. El extra va directamente al principal.
  3. Aplica ingresos extras al principal: Los reembolsos de impuestos, bonos y regalos pueden reducir drásticamente tu saldo de préstamo.
  4. Refinancia a un plazo más corto: Una hipoteca de 15 años en lugar de 30 tiene pagos más altos pero mucho menos interés.
  5. Evita extender tu préstamo: Refinanciar para reiniciar el reloj puede costarte más a largo plazo, incluso con una tasa más baja.
  • Penalizaciones por prepago: Algunos préstamos cobran tarifas por pagar anticipadamente. Verifica los términos de tu préstamo antes de hacer pagos extra.
  • Fondo de emergencia primero: No pagues extra en tu préstamo si no tienes ahorrados 3-6 meses de gastos.
  • Prioridad de deuda de alto interés: Paga las tarjetas de crédito (18%+) antes que los pagos extra de la hipoteca (6%).
  • Contribuciones de jubilación: Si tu empleador iguala las contribuciones al 401(k), maximiza eso antes de los pagos extra del préstamo.
  • Especificar "solo principal": Al hacer pagos extra, dile a tu prestamista que los aplique al principal, no a los pagos futuros.

Key Financial Terms

Understand the essential concepts behind this calculator

Amortization

The process of paying off a loan through regular payments that cover both principal and interest.

Learn more →

Balloon Payment

A large lump-sum payment due at the end of some loans after a period of smaller monthly payments.

Learn more →

Extra Payments (Loan Acceleration)

Additional principal payments beyond the required monthly amount that reduce total interest and shorten loan payoff time.

Learn more →

Loan Term

The length of time you have to repay a loan, typically expressed in months or years.

Learn more →
View all financial terms in our glossary →

Preguntas Frecuentes

Preguntas comunes sobre Calculadora de Amortización de Préstamos

Es una tabla que muestra cada pago desglosado entre principal e intereses, junto con el saldo restante con el paso del tiempo. Los primeros pagos son mayormente intereses; los pagos posteriores son mayormente principal.
Saber Más

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Sources & References

Federal Student Loan Interest Rates (2024-2025)

• Undergraduate Direct Loans: 6.53%
• Graduate Direct Unsubsidized: 8.08%
• Direct PLUS Loans: 9.08%
→Source: Federal Student Aid - Interest Rates(2024-2025)

Income-Driven Repayment Plans

• SAVE Plan: 5% of discretionary income (undergraduate), 10% (graduate), 0% below 225% FPL
• PAYE Plan: 10% of discretionary income, capped at 10-year standard
• IBR Plan: 10-15% of discretionary income based on loan date
• ICR Plan: Lesser of 20% discretionary income or fixed 12-year payment
→Source: Federal Student Aid - Income-Driven Repayment Plans(2025)

Public Service Loan Forgiveness (PSLF)

• Requires 120 qualifying monthly payments (10 years)
• Must work full-time for qualifying employer (government/non-profit)
• Remaining balance forgiven tax-free after 120 payments
→Source: Federal Student Aid - PSLF Program(2025)

Average Student Loan Debt (Class of 2023)

• Bachelor's degree borrowers: $28,950 average debt
• Total outstanding student loan debt (U.S.): $1.75 trillion
• Average monthly payment: $200-$299 for most borrowers
→Source: Education Data Initiative - Student Loan Debt Statistics(2023)

Refinancing Rates (2025)

• Private refinancing rates: 4.5% - 9.5% (varies by credit, term)
• Note: Refinancing federal loans means losing federal protections (IDR, PSLF, forbearance)
→Source: CFPB - Student Loan Refinancing(2025)

Important

Student loan rules change frequently. Always verify current program requirements at StudentAid.gov before making decisions.

⚠️ Important