Impacto de un pago único
Calculadora

Intereses ahorrados

$18,482.85

Resultados

Intereses ahorrados: $18,482.85
Meses ahorrados: 23 mo
Intereses totales: $98,684.47
Pago mensual: $1,238.20

Saldo e intereses en el tiempo

Saldo restante
Intereses pagados hasta la fecha

Calendario de pagos


1	1,238.20	459.03	779.17	169,540.97
2	1,238.20	461.13	777.06	169,079.84
3	1,238.20	463.25	774.95	168,616.59
4	1,238.20	465.37	772.83	168,151.22
5	1,238.20	467.50	770.69	167,683.71
6	1,238.20	469.65	768.55	167,214.07
7	1,238.20	471.80	766.40	166,742.27
8	1,238.20	473.96	764.24	166,268.30
9	1,238.20	476.13	762.06	165,792.17
10	1,238.20	478.32	759.88	165,313.85
11	1,238.20	480.51	757.69	164,833.34
12	1,238.20	482.71	755.49	164,350.63
13	1,238.20	484.92	753.27	163,865.71
14	1,238.20	487.15	751.05	163,378.56
15	1,238.20	489.38	748.82	162,889.19
16	1,238.20	491.62	746.58	162,397.56
17	1,238.20	493.87	744.32	161,903.69
18	1,238.20	496.14	742.06	161,407.55
19	1,238.20	498.41	739.78	160,909.14
20	1,238.20	500.70	737.50	160,408.44
21	1,238.20	502.99	735.21	159,905.45
22	1,238.20	505.30	732.90	159,400.15
23	1,238.20	507.61	730.58	158,892.54
24	1,238.20	509.94	728.26	158,382.60
25	1,238.20	512.28	725.92	157,870.32
26	1,238.20	514.62	723.57	157,355.70
27	1,238.20	516.98	721.21	156,838.71
28	1,238.20	519.35	718.84	156,319.36
29	1,238.20	521.73	716.46	155,797.63
30	1,238.20	524.12	714.07	155,273.50
31	1,238.20	526.53	711.67	154,746.98
32	1,238.20	528.94	709.26	154,218.04
33	1,238.20	531.36	706.83	153,686.67
34	1,238.20	533.80	704.40	153,152.87
35	1,238.20	536.25	701.95	152,616.62
36	1,238.20	538.70	699.49	152,077.92
37	1,238.20	541.17	697.02	151,536.75
38	1,238.20	543.65	694.54	150,993.09
39	1,238.20	546.15	692.05	150,446.95
40	1,238.20	548.65	689.55	149,898.30
41	1,238.20	551.16	687.03	149,347.14
42	1,238.20	553.69	684.51	148,793.45
43	1,238.20	556.23	681.97	148,237.22
44	1,238.20	558.78	679.42	147,678.44
45	1,238.20	561.34	676.86	147,117.11
46	1,238.20	563.91	674.29	146,553.19
47	1,238.20	566.50	671.70	145,986.70
48	1,238.20	569.09	669.11	145,417.61
49	1,238.20	571.70	666.50	144,845.91
50	1,238.20	574.32	663.88	144,271.59
51	1,238.20	576.95	661.24	143,694.64
52	1,238.20	579.60	658.60	143,115.04
53	1,238.20	582.25	655.94	142,532.79
54	1,238.20	584.92	653.28	141,947.86
55	1,238.20	587.60	650.59	141,360.26
56	1,238.20	590.30	647.90	140,769.97
57	1,238.20	593.00	645.20	140,176.96
58	1,238.20	595.72	642.48	139,581.24
59	1,238.20	598.45	639.75	138,982.79
60	1,238.20	601.19	637.00	138,381.60
61	1,238.20	603.95	634.25	137,777.65
62	1,238.20	606.72	631.48	137,170.94
63	1,238.20	609.50	628.70	136,561.44
64	1,238.20	612.29	625.91	135,949.15
65	1,238.20	615.10	623.10	135,334.05
66	1,238.20	617.92	620.28	134,716.14
67	1,238.20	620.75	617.45	134,095.39
68	1,238.20	623.59	614.60	133,471.80
69	1,238.20	626.45	611.75	132,845.34
70	1,238.20	629.32	608.87	132,216.02
71	1,238.20	632.21	605.99	131,583.81
72	1,238.20	635.10	603.09	130,948.71
73	1,238.20	638.02	600.18	130,310.69
74	1,238.20	640.94	597.26	129,669.75
75	1,238.20	643.88	594.32	129,025.88
76	1,238.20	646.83	591.37	128,379.05
77	1,238.20	649.79	588.40	127,729.26
78	1,238.20	652.77	585.43	127,076.48
79	1,238.20	655.76	582.43	126,420.72
80	1,238.20	658.77	579.43	125,761.95
81	1,238.20	661.79	576.41	125,100.16
82	1,238.20	664.82	573.38	124,435.34
83	1,238.20	667.87	570.33	123,767.47
84	1,238.20	670.93	567.27	123,096.54
85	1,238.20	674.00	564.19	122,422.54
86	1,238.20	677.09	561.10	121,745.45
87	1,238.20	680.20	558.00	121,065.25
88	1,238.20	683.31	554.88	120,381.93
89	1,238.20	686.45	551.75	119,695.49
90	1,238.20	689.59	548.60	119,005.89
91	1,238.20	692.75	545.44	118,313.14
92	1,238.20	695.93	542.27	117,617.21
93	1,238.20	699.12	539.08	116,918.09
94	1,238.20	702.32	535.87	116,215.77
95	1,238.20	705.54	532.66	115,510.23
96	1,238.20	708.78	529.42	114,801.45
97	1,238.20	712.02	526.17	114,089.43
98	1,238.20	715.29	522.91	113,374.14
99	1,238.20	718.57	519.63	112,655.58
100	1,238.20	721.86	516.34	111,933.72
101	1,238.20	725.17	513.03	111,208.55
102	1,238.20	728.49	509.71	110,480.06
103	1,238.20	731.83	506.37	109,748.23
104	1,238.20	735.18	503.01	109,013.05
105	1,238.20	738.55	499.64	108,274.49
106	1,238.20	741.94	496.26	107,532.55
107	1,238.20	745.34	492.86	106,787.21
108	1,238.20	748.76	489.44	106,038.46
109	1,238.20	752.19	486.01	105,286.27
110	1,238.20	755.64	482.56	104,530.63
111	1,238.20	759.10	479.10	103,771.54
112	1,238.20	762.58	475.62	103,008.96
113	1,238.20	766.07	472.12	102,242.89
114	1,238.20	769.58	468.61	101,473.30
115	1,238.20	773.11	465.09	100,700.19
116	1,238.20	776.65	461.54	99,923.54
117	1,238.20	780.21	457.98	99,143.32
118	1,238.20	783.79	454.41	98,359.53
119	1,238.20	787.38	450.81	97,572.15
120	1,238.20	790.99	447.21	96,781.16
121	1,238.20	794.62	443.58	95,986.54
122	1,238.20	798.26	439.94	95,188.28
123	1,238.20	801.92	436.28	94,386.36
124	1,238.20	805.59	432.60	93,580.77
125	1,238.20	809.29	428.91	92,771.49
126	1,238.20	812.99	425.20	91,958.49
127	1,238.20	816.72	421.48	91,141.77
128	1,238.20	820.46	417.73	90,321.31
129	1,238.20	824.22	413.97	89,497.08
130	1,238.20	828.00	410.19	88,669.08
131	1,238.20	831.80	406.40	87,837.28
132	1,238.20	835.61	402.59	87,001.67
133	1,238.20	839.44	398.76	86,162.23
134	1,238.20	843.29	394.91	85,318.95
135	1,238.20	847.15	391.05	84,471.79
136	1,238.20	851.03	387.16	83,620.76
137	1,238.20	854.94	383.26	82,765.82
138	1,238.20	858.85	379.34	81,906.97
139	1,238.20	862.79	375.41	81,044.18
140	1,238.20	866.74	371.45	80,177.44
141	1,238.20	870.72	367.48	79,306.72
142	1,238.20	874.71	363.49	78,432.01
143	1,238.20	878.72	359.48	77,553.29
144	1,238.20	882.74	355.45	76,670.55
145	1,238.20	886.79	351.41	75,783.76
146	1,238.20	890.85	347.34	74,892.90
147	1,238.20	894.94	343.26	73,997.97
148	1,238.20	899.04	339.16	73,098.93
149	1,238.20	903.16	335.04	72,195.76
150	1,238.20	907.30	330.90	71,288.46
151	1,238.20	911.46	326.74	70,377.01
152	1,238.20	915.64	322.56	69,461.37
153	1,238.20	919.83	318.36	68,541.54
154	1,238.20	924.05	314.15	67,617.49
155	1,238.20	928.28	309.91	66,689.21
156	1,238.20	932.54	305.66	65,756.67
157	1,238.20	936.81	301.38	64,819.86
158	1,238.20	941.11	297.09	63,878.75
159	1,238.20	945.42	292.78	62,933.33
160	1,238.20	949.75	288.44	61,983.58
161	1,238.20	954.11	284.09	61,029.47
162	1,238.20	958.48	279.72	60,070.99
163	1,238.20	962.87	275.33	59,108.12
164	1,238.20	967.28	270.91	58,140.84
165	1,238.20	971.72	266.48	57,169.12
166	1,238.20	976.17	262.03	56,192.95
167	1,238.20	980.65	257.55	55,212.30
168	1,238.20	985.14	253.06	54,227.16
169	1,238.20	989.66	248.54	53,237.50
170	1,238.20	994.19	244.01	52,243.31
171	1,238.20	998.75	239.45	51,244.56
172	1,238.20	1,003.33	234.87	50,241.24
173	1,238.20	1,007.92	230.27	49,233.31
174	1,238.20	1,012.54	225.65	48,220.77
175	1,238.20	1,017.19	221.01	47,203.58
176	1,238.20	1,021.85	216.35	46,181.73
177	1,238.20	1,026.53	211.67	45,155.20
178	1,238.20	1,031.24	206.96	44,123.97
179	1,238.20	1,035.96	202.23	43,088.00
180	1,238.20	1,040.71	197.49	42,047.29
181	1,238.20	1,045.48	192.72	41,001.81
182	1,238.20	1,050.27	187.92	39,951.54
183	1,238.20	1,055.09	183.11	38,896.46
184	1,238.20	1,059.92	178.28	37,836.53
185	1,238.20	1,064.78	173.42	36,771.75
186	1,238.20	1,069.66	168.54	35,702.09
187	1,238.20	1,074.56	163.63	34,627.53
188	1,238.20	1,079.49	158.71	33,548.04
189	1,238.20	1,084.44	153.76	32,463.61
190	1,238.20	1,089.41	148.79	31,374.20
191	1,238.20	1,094.40	143.80	30,279.80
192	1,238.20	1,099.41	138.78	29,180.39
193	1,238.20	1,104.45	133.74	28,075.94
194	1,238.20	1,109.52	128.68	26,966.42
195	1,238.20	1,114.60	123.60	25,851.82
196	1,238.20	1,119.71	118.49	24,732.11
197	1,238.20	1,124.84	113.36	23,607.27
198	1,238.20	1,130.00	108.20	22,477.27
199	1,238.20	1,135.18	103.02	21,342.09
200	1,238.20	1,140.38	97.82	20,201.72
201	1,238.20	1,145.61	92.59	19,056.11
202	1,238.20	1,150.86	87.34	17,905.25
203	1,238.20	1,156.13	82.07	16,749.12
204	1,238.20	1,161.43	76.77	15,587.69
205	1,238.20	1,166.75	71.44	14,420.94
206	1,238.20	1,172.10	66.10	13,248.84
207	1,238.20	1,177.47	60.72	12,071.36
208	1,238.20	1,182.87	55.33	10,888.49
209	1,238.20	1,188.29	49.91	9,700.20
210	1,238.20	1,193.74	44.46	8,506.46
211	1,238.20	1,199.21	38.99	7,307.25
212	1,238.20	1,204.71	33.49	6,102.55
213	1,238.20	1,210.23	27.97	4,892.32
214	1,238.20	1,215.77	22.42	3,676.55
215	1,238.20	1,221.35	16.85	2,455.20
216	1,238.20	1,226.94	11.25	1,228.26
217	1,233.89	1,228.26	5.63	0.00

Comparación

Escenario	Número de pagos	Intereses totales	Total pagado
Plan estándar	240.00	117,167.32	297,167.32
Su plan	217.00	98,684.47	278,684.47

Fórmula

balance′ = balance − lump sum, payment unchanged

= 18482.85

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.

Más en Préstamos y deudas

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Preguntas frecuentes

¿Cuál es la diferencia con la herramienta de ahorro por pago adicional?+

Esta herramienta modela un único pago grande y puntual — como un bono o una herencia — aplicado en un momento específico del préstamo, mientras que la herramienta de ahorro por pago adicional está pensada para aportes recurrentes más pequeños.

¿Cuánto interés se ahorra realmente con un pago único?+

El ahorro equivale al interés que se habría acumulado sobre ese monto en cada período restante del calendario original. Pagar un monto único antes en el préstamo ahorra más que pagar la misma cantidad después, ya que se evitan más períodos de interés.

¿El pago único acorta el préstamo o reduce los pagos futuros?+

Por defecto acorta el plazo restante manteniendo el mismo monto de pago. Algunos prestamistas pueden reamortizar para reducir el pago manteniendo el mismo plazo — verifica qué opción permite tu préstamo.

¿Es mejor destinar un ingreso inesperado a la hipoteca o invertirlo?+

Eso depende de la tasa de interés de tu préstamo frente al rendimiento esperado de la inversión, y de tu tolerancia al riesgo. La calculadora solo indica el interés garantizado que se ahorra al pagar el préstamo, que luego puedes comparar con otras opciones.

¿Qué pasa si hago el pago único justo después de iniciar el préstamo?+

Ahí es cuando tiene mayor impacto, porque elimina el interés sobre ese capital durante el máximo número de períodos restantes — prueba distintos momentos para ver la diferencia.

Impacto de un pago único Calculadora

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