Crédito (cuota y amortización)
Calcula la mensualidad y el cuadro de amortización francés de un crédito.
Revisado: 2026-09-21
Resultado
Cuota mensual
$132.469
- Intereses totales
- $2.948.165
- Costo total
- $7.948.165
- Importe financiado
- $5.000.000
- Comisiones opcionales
- $0
Desglose
Tabla de amortización
| Periodo | Cuota | Intereses | Capital | Saldo |
|---|---|---|---|---|
| 1 | $132.469 | $83.333 | $49.136 | $4.950.864 |
| 2 | $132.469 | $82.514 | $49.955 | $4.900.909 |
| 3 | $132.469 | $81.682 | $50.788 | $4.850.121 |
| 4 | $132.469 | $80.835 | $51.634 | $4.798.487 |
| 5 | $132.469 | $79.975 | $52.495 | $4.745.993 |
| 6 | $132.469 | $79.100 | $53.370 | $4.692.623 |
| 7 | $132.469 | $78.210 | $54.259 | $4.638.364 |
| 8 | $132.469 | $77.306 | $55.163 | $4.583.201 |
| 9 | $132.469 | $76.387 | $56.083 | $4.527.118 |
| 10 | $132.469 | $75.452 | $57.017 | $4.470.100 |
| 11 | $132.469 | $74.502 | $57.968 | $4.412.133 |
| 12 | $132.469 | $73.536 | $58.934 | $4.353.199 |
| 13 | $132.469 | $72.553 | $59.916 | $4.293.283 |
| 14 | $132.469 | $71.555 | $60.915 | $4.232.368 |
| 15 | $132.469 | $70.539 | $61.930 | $4.170.438 |
| 16 | $132.469 | $69.507 | $62.962 | $4.107.476 |
| 17 | $132.469 | $68.458 | $64.011 | $4.043.464 |
| 18 | $132.469 | $67.391 | $65.078 | $3.978.386 |
| 19 | $132.469 | $66.306 | $66.163 | $3.912.223 |
| 20 | $132.469 | $65.204 | $67.266 | $3.844.957 |
| 21 | $132.469 | $64.083 | $68.387 | $3.776.571 |
| 22 | $132.469 | $62.943 | $69.527 | $3.707.044 |
| 23 | $132.469 | $61.784 | $70.685 | $3.636.359 |
| 24 | $132.469 | $60.606 | $71.863 | $3.564.495 |
| 25 | $132.469 | $59.408 | $73.061 | $3.491.434 |
| 26 | $132.469 | $58.191 | $74.279 | $3.417.155 |
| 27 | $132.469 | $56.953 | $75.517 | $3.341.638 |
| 28 | $132.469 | $55.694 | $76.775 | $3.264.863 |
| 29 | $132.469 | $54.414 | $78.055 | $3.186.808 |
| 30 | $132.469 | $53.113 | $79.356 | $3.107.452 |
| 31 | $132.469 | $51.791 | $80.679 | $3.026.773 |
| 32 | $132.469 | $50.446 | $82.023 | $2.944.750 |
| 33 | $132.469 | $49.079 | $83.390 | $2.861.360 |
| 34 | $132.469 | $47.689 | $84.780 | $2.776.580 |
| 35 | $132.469 | $46.276 | $86.193 | $2.690.387 |
| 36 | $132.469 | $44.840 | $87.630 | $2.602.757 |
| 37 | $132.469 | $43.379 | $89.090 | $2.513.667 |
| 38 | $132.469 | $41.894 | $90.575 | $2.423.092 |
| 39 | $132.469 | $40.385 | $92.085 | $2.331.008 |
| 40 | $132.469 | $38.850 | $93.619 | $2.237.388 |
| 41 | $132.469 | $37.290 | $95.180 | $2.142.209 |
| 42 | $132.469 | $35.703 | $96.766 | $2.045.443 |
| 43 | $132.469 | $34.091 | $98.379 | $1.947.064 |
| 44 | $132.469 | $32.451 | $100.018 | $1.847.046 |
| 45 | $132.469 | $30.784 | $101.685 | $1.745.360 |
| 46 | $132.469 | $29.089 | $103.380 | $1.641.980 |
| 47 | $132.469 | $27.366 | $105.103 | $1.536.877 |
| 48 | $132.469 | $25.615 | $106.855 | $1.430.022 |
| 49 | $132.469 | $23.834 | $108.636 | $1.321.387 |
| 50 | $132.469 | $22.023 | $110.446 | $1.210.940 |
| 51 | $132.469 | $20.182 | $112.287 | $1.098.653 |
| 52 | $132.469 | $18.311 | $114.159 | $984.495 |
| 53 | $132.469 | $16.408 | $116.061 | $868.433 |
| 54 | $132.469 | $14.474 | $117.996 | $750.438 |
| 55 | $132.469 | $12.507 | $119.962 | $630.476 |
| 56 | $132.469 | $10.508 | $121.961 | $508.514 |
| 57 | $132.469 | $8.475 | $123.994 | $384.520 |
| 58 | $132.469 | $6.409 | $126.061 | $258.459 |
| 59 | $132.469 | $4.308 | $128.162 | $130.298 |
| 60 | $132.469 | $2.172 | $130.298 | $0 |
Fórmula
mensualidad = P × i / (1 − (1+i)^(−n)), con i = tasa mensual y n = meses
Ejemplo
Crédito de consumo a 5 años
5.000.000 CLP al 20 % anual a 5 años.
Explicación
Aplica amortización francesa (mensualidad constante) a partir del capital, la tasa nominal anual y el plazo. Las comisiones opcionales se suman al costo total. El resultado no es CAT.
Preguntas frecuentes
¿Qué sistema de amortización usa?
Usa el sistema francés: mensualidad fija con una parte de intereses y otra de capital que varían a lo largo del plazo.
¿El resultado es el CAT?
No. Esta herramienta muestra mensualidad e intereses con un tipo nominal orientativo. No calcula ni sustituye el CAT oficial.
Calculadoras relacionadas
Los resultados son orientativos y no constituyen asesoramiento financiero, fiscal ni de inversión.