Calculadora de préstamos
Pagos mensuales y tabla de amortización completa para préstamos de coche o vivienda.
Monthly payment
Total interest
Total cost
View amortization schedule
| Month | Payment | Principal | Interest | Balance |
|---|
How loan amortization works
Each monthly payment covers the interest accrued that month plus a portion of the principal. Early payments are mostly interest; later payments are mostly principal. The formula for monthly payment is: 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 number of months.
How to use
- Enter your loan amount (the principal you are borrowing).
- Enter the annual interest rate as a percentage (e.g., 6.5 for 6.5%).
- Enter the loan term in years, then click "View amortization schedule" for a full monthly breakdown.
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Preguntas frecuentes
- Is this loan calculator free?
- Yes, completely free with no account required. All calculations run in your browser.
- Does my loan data leave my device?
- No. All calculations run client-side in JavaScript. No financial data is ever uploaded or stored.
- Does it work on mobile?
- Yes. The tool is mobile-first and works in Safari and Chrome on iOS and Android.
- What is an amortization schedule?
- An amortization schedule shows every monthly payment broken down into principal and interest components, and the remaining balance after each payment. Early in the loan, most of each payment goes to interest. Over time, more goes to principal as the balance decreases.
Last updated: By jarvisbox