Ahorro por pago adicional
Calculadora

Intereses ahorrados

$44,431.86

Resultados

Intereses ahorrados: $44,431.86
Meses ahorrados: 62 mo
Pago mensual: $1,661.48
Intereses totales: $144,010.67

Saldo e intereses en el tiempo

Saldo restante
Intereses pagados hasta la fecha

Calendario de pagos


1	1,661.48	619.81	1,041.67	249,380.19
2	1,661.48	622.39	1,039.08	248,757.80
3	1,661.48	624.98	1,036.49	248,132.82
4	1,661.48	627.59	1,033.89	247,505.23
5	1,661.48	630.20	1,031.27	246,875.02
6	1,661.48	632.83	1,028.65	246,242.20
7	1,661.48	635.47	1,026.01	245,606.73
8	1,661.48	638.11	1,023.36	244,968.62
9	1,661.48	640.77	1,020.70	244,327.84
10	1,661.48	643.44	1,018.03	243,684.40
11	1,661.48	646.12	1,015.35	243,038.28
12	1,661.48	648.82	1,012.66	242,389.46
13	1,661.48	651.52	1,009.96	241,737.94
14	1,661.48	654.23	1,007.24	241,083.71
15	1,661.48	656.96	1,004.52	240,426.75
16	1,661.48	659.70	1,001.78	239,767.05
17	1,661.48	662.45	999.03	239,104.61
18	1,661.48	665.21	996.27	238,439.40
19	1,661.48	667.98	993.50	237,771.42
20	1,661.48	670.76	990.71	237,100.66
21	1,661.48	673.56	987.92	236,427.11
22	1,661.48	676.36	985.11	235,750.74
23	1,661.48	679.18	982.29	235,071.56
24	1,661.48	682.01	979.46	234,389.55
25	1,661.48	684.85	976.62	233,704.70
26	1,661.48	687.71	973.77	233,017.00
27	1,661.48	690.57	970.90	232,326.43
28	1,661.48	693.45	968.03	231,632.98
29	1,661.48	696.34	965.14	230,936.64
30	1,661.48	699.24	962.24	230,237.40
31	1,661.48	702.15	959.32	229,535.25
32	1,661.48	705.08	956.40	228,830.17
33	1,661.48	708.02	953.46	228,122.15
34	1,661.48	710.97	950.51	227,411.19
35	1,661.48	713.93	947.55	226,697.26
36	1,661.48	716.90	944.57	225,980.36
37	1,661.48	719.89	941.58	225,260.47
38	1,661.48	722.89	938.59	224,537.58
39	1,661.48	725.90	935.57	223,811.67
40	1,661.48	728.93	932.55	223,082.75
41	1,661.48	731.96	929.51	222,350.78
42	1,661.48	735.01	926.46	221,615.77
43	1,661.48	738.08	923.40	220,877.69
44	1,661.48	741.15	920.32	220,136.54
45	1,661.48	744.24	917.24	219,392.30
46	1,661.48	747.34	914.13	218,644.96
47	1,661.48	750.45	911.02	217,894.51
48	1,661.48	753.58	907.89	217,140.93
49	1,661.48	756.72	904.75	216,384.21
50	1,661.48	759.87	901.60	215,624.33
51	1,661.48	763.04	898.43	214,861.29
52	1,661.48	766.22	895.26	214,095.07
53	1,661.48	769.41	892.06	213,325.66
54	1,661.48	772.62	888.86	212,553.04
55	1,661.48	775.84	885.64	211,777.20
56	1,661.48	779.07	882.41	210,998.13
57	1,661.48	782.32	879.16	210,215.82
58	1,661.48	785.58	875.90	209,430.24
59	1,661.48	788.85	872.63	208,641.39
60	1,661.48	792.14	869.34	207,849.26
61	1,661.48	795.44	866.04	207,053.82
62	1,661.48	798.75	862.72	206,255.07
63	1,661.48	802.08	859.40	205,452.99
64	1,661.48	805.42	856.05	204,647.57
65	1,661.48	808.78	852.70	203,838.79
66	1,661.48	812.15	849.33	203,026.65
67	1,661.48	815.53	845.94	202,211.11
68	1,661.48	818.93	842.55	201,392.19
69	1,661.48	822.34	839.13	200,569.84
70	1,661.48	825.77	835.71	199,744.08
71	1,661.48	829.21	832.27	198,914.87
72	1,661.48	832.66	828.81	198,082.21
73	1,661.48	836.13	825.34	197,246.07
74	1,661.48	839.62	821.86	196,406.46
75	1,661.48	843.11	818.36	195,563.34
76	1,661.48	846.63	814.85	194,716.71
77	1,661.48	850.16	811.32	193,866.56
78	1,661.48	853.70	807.78	193,012.86
79	1,661.48	857.25	804.22	192,155.61
80	1,661.48	860.83	800.65	191,294.78
81	1,661.48	864.41	797.06	190,430.37
82	1,661.48	868.02	793.46	189,562.35
83	1,661.48	871.63	789.84	188,690.72
84	1,661.48	875.26	786.21	187,815.45
85	1,661.48	878.91	782.56	186,936.54
86	1,661.48	882.57	778.90	186,053.97
87	1,661.48	886.25	775.22	185,167.72
88	1,661.48	889.94	771.53	184,277.78
89	1,661.48	893.65	767.82	183,384.13
90	1,661.48	897.37	764.10	182,486.75
91	1,661.48	901.11	760.36	181,585.64
92	1,661.48	904.87	756.61	180,680.77
93	1,661.48	908.64	752.84	179,772.13
94	1,661.48	912.42	749.05	178,859.71
95	1,661.48	916.23	745.25	177,943.48
96	1,661.48	920.04	741.43	177,023.44
97	1,661.48	923.88	737.60	176,099.56
98	1,661.48	927.73	733.75	175,171.83
99	1,661.48	931.59	729.88	174,240.24
100	1,661.48	935.47	726.00	173,304.77
101	1,661.48	939.37	722.10	172,365.39
102	1,661.48	943.29	718.19	171,422.11
103	1,661.48	947.22	714.26	170,474.89
104	1,661.48	951.16	710.31	169,523.73
105	1,661.48	955.13	706.35	168,568.60
106	1,661.48	959.11	702.37	167,609.50
107	1,661.48	963.10	698.37	166,646.39
108	1,661.48	967.12	694.36	165,679.28
109	1,661.48	971.14	690.33	164,708.13
110	1,661.48	975.19	686.28	163,732.94
111	1,661.48	979.25	682.22	162,753.69
112	1,661.48	983.33	678.14	161,770.35
113	1,661.48	987.43	674.04	160,782.92
114	1,661.48	991.55	669.93	159,791.38
115	1,661.48	995.68	665.80	158,795.70
116	1,661.48	999.83	661.65	157,795.87
117	1,661.48	1,003.99	657.48	156,791.88
118	1,661.48	1,008.18	653.30	155,783.70
119	1,661.48	1,012.38	649.10	154,771.33
120	1,661.48	1,016.59	644.88	153,754.73
121	1,661.48	1,020.83	640.64	152,733.90
122	1,661.48	1,025.08	636.39	151,708.82
123	1,661.48	1,029.36	632.12	150,679.46
124	1,661.48	1,033.64	627.83	149,645.82
125	1,661.48	1,037.95	623.52	148,607.87
126	1,661.48	1,042.28	619.20	147,565.59
127	1,661.48	1,046.62	614.86	146,518.97
128	1,661.48	1,050.98	610.50	145,468.00
129	1,661.48	1,055.36	606.12	144,412.64
130	1,661.48	1,059.76	601.72	143,352.88
131	1,661.48	1,064.17	597.30	142,288.71
132	1,661.48	1,068.61	592.87	141,220.10
133	1,661.48	1,073.06	588.42	140,147.05
134	1,661.48	1,077.53	583.95	139,069.52
135	1,661.48	1,082.02	579.46	137,987.50
136	1,661.48	1,086.53	574.95	136,900.97
137	1,661.48	1,091.05	570.42	135,809.92
138	1,661.48	1,095.60	565.87	134,714.32
139	1,661.48	1,100.17	561.31	133,614.15
140	1,661.48	1,104.75	556.73	132,509.40
141	1,661.48	1,109.35	552.12	131,400.05
142	1,661.48	1,113.97	547.50	130,286.07
143	1,661.48	1,118.62	542.86	129,167.46
144	1,661.48	1,123.28	538.20	128,044.18
145	1,661.48	1,127.96	533.52	126,916.22
146	1,661.48	1,132.66	528.82	125,783.56
147	1,661.48	1,137.38	524.10	124,646.19
148	1,661.48	1,142.12	519.36	123,504.07
149	1,661.48	1,146.87	514.60	122,357.20
150	1,661.48	1,151.65	509.82	121,205.54
151	1,661.48	1,156.45	505.02	120,049.09
152	1,661.48	1,161.27	500.20	118,887.82
153	1,661.48	1,166.11	495.37	117,721.71
154	1,661.48	1,170.97	490.51	116,550.74
155	1,661.48	1,175.85	485.63	115,374.90
156	1,661.48	1,180.75	480.73	114,194.15
157	1,661.48	1,185.67	475.81	113,008.48
158	1,661.48	1,190.61	470.87	111,817.88
159	1,661.48	1,195.57	465.91	110,622.31
160	1,661.48	1,200.55	460.93	109,421.76
161	1,661.48	1,205.55	455.92	108,216.21
162	1,661.48	1,210.57	450.90	107,005.64
163	1,661.48	1,215.62	445.86	105,790.02
164	1,661.48	1,220.68	440.79	104,569.34
165	1,661.48	1,225.77	435.71	103,343.57
166	1,661.48	1,230.88	430.60	102,112.69
167	1,661.48	1,236.01	425.47	100,876.68
168	1,661.48	1,241.16	420.32	99,635.53
169	1,661.48	1,246.33	415.15	98,389.20
170	1,661.48	1,251.52	409.96	97,137.68
171	1,661.48	1,256.73	404.74	95,880.95
172	1,661.48	1,261.97	399.50	94,618.97
173	1,661.48	1,267.23	394.25	93,351.75
174	1,661.48	1,272.51	388.97	92,079.24
175	1,661.48	1,277.81	383.66	90,801.42
176	1,661.48	1,283.14	378.34	89,518.29
177	1,661.48	1,288.48	372.99	88,229.81
178	1,661.48	1,293.85	367.62	86,935.95
179	1,661.48	1,299.24	362.23	85,636.71
180	1,661.48	1,304.66	356.82	84,332.06
181	1,661.48	1,310.09	351.38	83,021.97
182	1,661.48	1,315.55	345.92	81,706.42
183	1,661.48	1,321.03	340.44	80,385.38
184	1,661.48	1,326.54	334.94	79,058.85
185	1,661.48	1,332.06	329.41	77,726.78
186	1,661.48	1,337.61	323.86	76,389.17
187	1,661.48	1,343.19	318.29	75,045.98
188	1,661.48	1,348.78	312.69	73,697.20
189	1,661.48	1,354.40	307.07	72,342.80
190	1,661.48	1,360.05	301.43	70,982.75
191	1,661.48	1,365.71	295.76	69,617.04
192	1,661.48	1,371.40	290.07	68,245.63
193	1,661.48	1,377.12	284.36	66,868.51
194	1,661.48	1,382.86	278.62	65,485.66
195	1,661.48	1,388.62	272.86	64,097.04
196	1,661.48	1,394.40	267.07	62,702.64
197	1,661.48	1,400.21	261.26	61,302.42
198	1,661.48	1,406.05	255.43	59,896.37
199	1,661.48	1,411.91	249.57	58,484.47
200	1,661.48	1,417.79	243.69	57,066.68
201	1,661.48	1,423.70	237.78	55,642.98
202	1,661.48	1,429.63	231.85	54,213.35
203	1,661.48	1,435.59	225.89	52,777.76
204	1,661.48	1,441.57	219.91	51,336.20
205	1,661.48	1,447.57	213.90	49,888.62
206	1,661.48	1,453.61	207.87	48,435.02
207	1,661.48	1,459.66	201.81	46,975.35
208	1,661.48	1,465.74	195.73	45,509.61
209	1,661.48	1,471.85	189.62	44,037.76
210	1,661.48	1,477.98	183.49	42,559.77
211	1,661.48	1,484.14	177.33	41,075.63
212	1,661.48	1,490.33	171.15	39,585.30
213	1,661.48	1,496.54	164.94	38,088.77
214	1,661.48	1,502.77	158.70	36,586.00
215	1,661.48	1,509.03	152.44	35,076.96
216	1,661.48	1,515.32	146.15	33,561.64
217	1,661.48	1,521.63	139.84	32,040.01
218	1,661.48	1,527.98	133.50	30,512.03
219	1,661.48	1,534.34	127.13	28,977.69
220	1,661.48	1,540.73	120.74	27,436.95
221	1,661.48	1,547.15	114.32	25,889.80
222	1,661.48	1,553.60	107.87	24,336.20
223	1,661.48	1,560.07	101.40	22,776.12
224	1,661.48	1,566.57	94.90	21,209.55
225	1,661.48	1,573.10	88.37	19,636.45
226	1,661.48	1,579.66	81.82	18,056.79
227	1,661.48	1,586.24	75.24	16,470.55
228	1,661.48	1,592.85	68.63	14,877.71
229	1,661.48	1,599.48	61.99	13,278.22
230	1,661.48	1,606.15	55.33	11,672.07
231	1,661.48	1,612.84	48.63	10,059.23
232	1,661.48	1,619.56	41.91	8,439.67
233	1,661.48	1,626.31	35.17	6,813.36
234	1,661.48	1,633.09	28.39	5,180.27
235	1,661.48	1,639.89	21.58	3,540.38
236	1,661.48	1,646.72	14.75	1,893.66
237	1,661.48	1,653.58	7.89	240.07
238	241.07	240.07	1.00	0.00

Comparación

Escenario	Número de pagos	Intereses totales	Total pagado
Plan estándar	300.00	188,442.53	438,442.53
Su plan	238.00	144,010.67	394,010.67

Fórmula

saving = interest(base) − interest(base + extra)

= 44431.86

Nota

Este calendario aplica la fórmula de amortización estándar a las cifras introducidas. Supone una tasa fija, pagos puntuales y ninguna comisión, seguro o cambio de tasa; el extracto de un prestamista real será distinto.

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Preguntas frecuentes

¿Cómo ahorra intereses un pago adicional?+

Cualquier monto por encima del pago requerido va directamente al capital, lo que reduce el saldo sobre el cual se calcula el interés en todos los períodos restantes. Esa reducción se acumula, así que un dólar pagado antes vale más que uno pagado después.

¿Es mejor hacer un pago adicional al año o añadir un poco a cada pago?+

Ambos reducen el saldo más rápido, pero la calculadora permite comparar: un solo pago anual es más fácil de presupuestar, mientras que un aporte mensual comienza a ahorrar intereses antes y se acumula un poco más con el tiempo.

¿Los pagos adicionales acortan el plazo del préstamo o reducen el pago mensual?+

A menos que le pidas a tu prestamista que reamortice, los pagos adicionales acortan el plazo mientras tu pago requerido se mantiene igual — terminas de pagar antes en lugar de pagar menos cada mes.

¿Hay un punto donde los pagos adicionales dejan de valer la pena?+

Sí — cerca del final del préstamo, el ahorro de interés restante disminuye, y puede convenir comparar ese dinero con otro uso de mayor rendimiento, como un fondo de emergencia o una deuda con tasa más alta.

¿La calculadora supone que el pago adicional ocurre en cada período?+

Depende del modo elegido: los pagos adicionales recurrentes se aplican en cada período desde la fecha de inicio que elijas, mientras que un pago adicional único se aplica una sola vez y el calendario se recalcula desde ahí.

Ahorro por pago adicional Calculadora

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