Calculadora de Préstamos e Hipotecas
Ingresa monto, tasa de interés y plazo para calcular cuota mensual, interés total y generar tabla de amortización. Compara hasta 3 escenarios con gráficos de capital vs. interés.
Monthly Payment
$1,896.20
Total Amount Paid
$682,633.47
Total Interest Paid
$382,633.47
Interest-to-Total Ratio
56.1%
Payment Breakdown
This calculator provides estimates for general informational purposes only. Actual loan terms may vary based on lender, credit score, and other factors. Consult a financial advisor for professional advice.
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What is a Loan & Mortgage Calculator?
A Loan & Mortgage Calculator is a financial tool that computes monthly payment amounts using the standard PMT (Payment) formula: M = P[r(1+r)^n]/[(1+r)^n-1], where P is the principal, r is the monthly interest rate, and n is the total number of payments. It generates a complete amortization schedule showing how each payment is split between principal reduction and interest charges over the life of the loan. The extra payment analysis mode shows how additional monthly payments or one-time lump sums can reduce total interest costs and shorten the loan term. A typical 30-year $300,000 mortgage at 6.5% results in $1,896/month with $382,633 in total interest — extra payments of just $200/month can save over $80,000 in interest and cut 6+ years off the loan.
How to Use This Calculator
- Enter your loan amount, annual interest rate, and loan term in years, or select a preset for common loan types
- View your monthly payment amount with a pie chart showing the principal vs interest breakdown of total cost
- Switch to the Amortization Schedule tab to see every payment broken down into principal and interest portions
- Use the Extra Payment Impact tab to enter additional monthly payments or a one-time lump sum and see how much interest and time you can save
- Copy results or switch currencies to compare loan costs in different denominations
Frequently Asked Questions
How is my monthly mortgage payment calculated?
Monthly payments are calculated using the PMT formula: M = P[r(1+r)^n]/[(1+r)^n-1]. P is your loan principal (amount borrowed), r is the monthly interest rate (annual rate divided by 12), and n is the total number of payments (years times 12). For example, a $300,000 loan at 6.5% for 30 years: r = 0.065/12 = 0.005417, n = 360, giving a monthly payment of approximately $1,896.
What is an amortization schedule?
An amortization schedule is a table showing every payment over the life of a loan, broken down into principal and interest portions. Early payments are mostly interest (e.g., 70-80% for a new 30-year mortgage), while later payments are mostly principal. The schedule also tracks the remaining loan balance after each payment.
How much can I save by making extra payments on my mortgage?
Extra payments go directly toward reducing your principal balance, which reduces future interest charges. For a $300,000 mortgage at 6.5% over 30 years, an extra $200/month can save approximately $80,000+ in interest and pay off the loan about 6 years early. Even a single one-time payment of $10,000 in the first year can save thousands in interest.
What is the difference between principal and interest in a loan payment?
Each loan payment has two parts: principal (the portion that reduces your loan balance) and interest (the cost of borrowing). With a fixed-rate loan, your total payment stays the same, but the ratio shifts over time — early payments are interest-heavy, while later payments become principal-heavy. This is called amortization.
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