Hipoteca / crédito hipotecario
Estima la mensualidad hipotecaria y el cuadro de amortización a partir del precio y el enganche.
Revisado: 2026-09-21
Resultado
Cuota mensual
$647,80
- Importe financiado
- $72.000,00
- Intereses totales
- $83.473,84
- Costo total
- $173.473,84
- Precio del inmueble
- $90.000,00
- Entrada
- $18.000,00
- Gastos opcionales
- $0,00
Desglose
Tabla de amortización
| Periodo | Cuota | Intereses | Capital | Saldo |
|---|---|---|---|---|
| 1 | $647,80 | $540,00 | $107,80 | $71.892,20 |
| 2 | $647,80 | $539,19 | $108,61 | $71.783,59 |
| 3 | $647,80 | $538,38 | $109,42 | $71.674,17 |
| 4 | $647,80 | $537,56 | $110,24 | $71.563,93 |
| 5 | $647,80 | $536,73 | $111,07 | $71.452,86 |
| 6 | $647,80 | $535,90 | $111,90 | $71.340,96 |
| 7 | $647,80 | $535,06 | $112,74 | $71.228,22 |
| 8 | $647,80 | $534,21 | $113,59 | $71.114,63 |
| 9 | $647,80 | $533,36 | $114,44 | $71.000,19 |
| 10 | $647,80 | $532,50 | $115,30 | $70.884,89 |
| 11 | $647,80 | $531,64 | $116,16 | $70.768,73 |
| 12 | $647,80 | $530,77 | $117,03 | $70.651,70 |
| 13 | $647,80 | $529,89 | $117,91 | $70.533,79 |
| 14 | $647,80 | $529,00 | $118,80 | $70.414,99 |
| 15 | $647,80 | $528,11 | $119,69 | $70.295,30 |
| 16 | $647,80 | $527,21 | $120,59 | $70.174,71 |
| 17 | $647,80 | $526,31 | $121,49 | $70.053,22 |
| 18 | $647,80 | $525,40 | $122,40 | $69.930,82 |
| 19 | $647,80 | $524,48 | $123,32 | $69.807,50 |
| 20 | $647,80 | $523,56 | $124,24 | $69.683,26 |
| 21 | $647,80 | $522,62 | $125,18 | $69.558,08 |
| 22 | $647,80 | $521,69 | $126,11 | $69.431,97 |
| 23 | $647,80 | $520,74 | $127,06 | $69.304,91 |
| 24 | $647,80 | $519,79 | $128,01 | $69.176,90 |
| 25 | $647,80 | $518,83 | $128,97 | $69.047,93 |
| 26 | $647,80 | $517,86 | $129,94 | $68.917,99 |
| 27 | $647,80 | $516,88 | $130,92 | $68.787,07 |
| 28 | $647,80 | $515,90 | $131,90 | $68.655,17 |
| 29 | $647,80 | $514,91 | $132,89 | $68.522,28 |
| 30 | $647,80 | $513,92 | $133,88 | $68.388,40 |
| 31 | $647,80 | $512,91 | $134,89 | $68.253,51 |
| 32 | $647,80 | $511,90 | $135,90 | $68.117,61 |
| 33 | $647,80 | $510,88 | $136,92 | $67.980,69 |
| 34 | $647,80 | $509,86 | $137,94 | $67.842,75 |
| 35 | $647,80 | $508,82 | $138,98 | $67.703,77 |
| 36 | $647,80 | $507,78 | $140,02 | $67.563,75 |
| 37 | $647,80 | $506,73 | $141,07 | $67.422,68 |
| 38 | $647,80 | $505,67 | $142,13 | $67.280,55 |
| 39 | $647,80 | $504,60 | $143,20 | $67.137,35 |
| 40 | $647,80 | $503,53 | $144,27 | $66.993,08 |
| 41 | $647,80 | $502,45 | $145,35 | $66.847,73 |
| 42 | $647,80 | $501,36 | $146,44 | $66.701,29 |
| 43 | $647,80 | $500,26 | $147,54 | $66.553,75 |
| 44 | $647,80 | $499,15 | $148,65 | $66.405,10 |
| 45 | $647,80 | $498,04 | $149,76 | $66.255,34 |
| 46 | $647,80 | $496,92 | $150,88 | $66.104,46 |
| 47 | $647,80 | $495,78 | $152,02 | $65.952,44 |
| 48 | $647,80 | $494,64 | $153,16 | $65.799,28 |
| 49 | $647,80 | $493,49 | $154,31 | $65.644,97 |
| 50 | $647,80 | $492,34 | $155,46 | $65.489,51 |
| 51 | $647,80 | $491,17 | $156,63 | $65.332,88 |
| 52 | $647,80 | $490,00 | $157,80 | $65.175,08 |
| 53 | $647,80 | $488,81 | $158,99 | $65.016,09 |
| 54 | $647,80 | $487,62 | $160,18 | $64.855,91 |
| 55 | $647,80 | $486,42 | $161,38 | $64.694,53 |
| 56 | $647,80 | $485,21 | $162,59 | $64.531,94 |
| 57 | $647,80 | $483,99 | $163,81 | $64.368,13 |
| 58 | $647,80 | $482,76 | $165,04 | $64.203,09 |
| 59 | $647,80 | $481,52 | $166,28 | $64.036,81 |
| 60 | $647,80 | $480,28 | $167,52 | $63.869,29 |
| 61 | $647,80 | $479,02 | $168,78 | $63.700,51 |
| 62 | $647,80 | $477,75 | $170,05 | $63.530,46 |
| 63 | $647,80 | $476,48 | $171,32 | $63.359,14 |
| 64 | $647,80 | $475,19 | $172,61 | $63.186,53 |
| 65 | $647,80 | $473,90 | $173,90 | $63.012,63 |
| 66 | $647,80 | $472,59 | $175,21 | $62.837,42 |
| 67 | $647,80 | $471,28 | $176,52 | $62.660,90 |
| 68 | $647,80 | $469,96 | $177,84 | $62.483,06 |
| 69 | $647,80 | $468,62 | $179,18 | $62.303,88 |
| 70 | $647,80 | $467,28 | $180,52 | $62.123,36 |
| 71 | $647,80 | $465,93 | $181,87 | $61.941,49 |
| 72 | $647,80 | $464,56 | $183,24 | $61.758,25 |
| 73 | $647,80 | $463,19 | $184,61 | $61.573,64 |
| 74 | $647,80 | $461,80 | $186,00 | $61.387,64 |
| 75 | $647,80 | $460,41 | $187,39 | $61.200,25 |
| 76 | $647,80 | $459,00 | $188,80 | $61.011,45 |
| 77 | $647,80 | $457,59 | $190,21 | $60.821,24 |
| 78 | $647,80 | $456,16 | $191,64 | $60.629,60 |
| 79 | $647,80 | $454,72 | $193,08 | $60.436,52 |
| 80 | $647,80 | $453,27 | $194,53 | $60.241,99 |
| 81 | $647,80 | $451,81 | $195,99 | $60.046,00 |
| 82 | $647,80 | $450,35 | $197,45 | $59.848,55 |
| 83 | $647,80 | $448,86 | $198,94 | $59.649,61 |
| 84 | $647,80 | $447,37 | $200,43 | $59.449,18 |
| 85 | $647,80 | $445,87 | $201,93 | $59.247,25 |
| 86 | $647,80 | $444,35 | $203,45 | $59.043,80 |
| 87 | $647,80 | $442,83 | $204,97 | $58.838,83 |
| 88 | $647,80 | $441,29 | $206,51 | $58.632,32 |
| 89 | $647,80 | $439,74 | $208,06 | $58.424,26 |
| 90 | $647,80 | $438,18 | $209,62 | $58.214,64 |
| 91 | $647,80 | $436,61 | $211,19 | $58.003,45 |
| 92 | $647,80 | $435,03 | $212,77 | $57.790,68 |
| 93 | $647,80 | $433,43 | $214,37 | $57.576,31 |
| 94 | $647,80 | $431,82 | $215,98 | $57.360,33 |
| 95 | $647,80 | $430,20 | $217,60 | $57.142,73 |
| 96 | $647,80 | $428,57 | $219,23 | $56.923,50 |
| 97 | $647,80 | $426,93 | $220,87 | $56.702,63 |
| 98 | $647,80 | $425,27 | $222,53 | $56.480,10 |
| 99 | $647,80 | $423,60 | $224,20 | $56.255,90 |
| 100 | $647,80 | $421,92 | $225,88 | $56.030,02 |
| 101 | $647,80 | $420,23 | $227,57 | $55.802,45 |
| 102 | $647,80 | $418,52 | $229,28 | $55.573,17 |
| 103 | $647,80 | $416,80 | $231,00 | $55.342,17 |
| 104 | $647,80 | $415,07 | $232,73 | $55.109,44 |
| 105 | $647,80 | $413,32 | $234,48 | $54.874,96 |
| 106 | $647,80 | $411,56 | $236,24 | $54.638,72 |
| 107 | $647,80 | $409,79 | $238,01 | $54.400,71 |
| 108 | $647,80 | $408,01 | $239,79 | $54.160,92 |
| 109 | $647,80 | $406,21 | $241,59 | $53.919,33 |
| 110 | $647,80 | $404,39 | $243,41 | $53.675,92 |
| 111 | $647,80 | $402,57 | $245,23 | $53.430,69 |
| 112 | $647,80 | $400,73 | $247,07 | $53.183,62 |
| 113 | $647,80 | $398,88 | $248,92 | $52.934,70 |
| 114 | $647,80 | $397,01 | $250,79 | $52.683,91 |
| 115 | $647,80 | $395,13 | $252,67 | $52.431,24 |
| 116 | $647,80 | $393,23 | $254,57 | $52.176,67 |
| 117 | $647,80 | $391,33 | $256,47 | $51.920,20 |
| 118 | $647,80 | $389,40 | $258,40 | $51.661,80 |
| 119 | $647,80 | $387,46 | $260,34 | $51.401,46 |
| 120 | $647,80 | $385,51 | $262,29 | $51.139,17 |
| 121 | $647,80 | $383,54 | $264,26 | $50.874,91 |
| 122 | $647,80 | $381,56 | $266,24 | $50.608,67 |
| 123 | $647,80 | $379,57 | $268,23 | $50.340,44 |
| 124 | $647,80 | $377,55 | $270,25 | $50.070,19 |
| 125 | $647,80 | $375,53 | $272,27 | $49.797,92 |
| 126 | $647,80 | $373,48 | $274,32 | $49.523,60 |
| 127 | $647,80 | $371,43 | $276,37 | $49.247,23 |
| 128 | $647,80 | $369,35 | $278,45 | $48.968,78 |
| 129 | $647,80 | $367,27 | $280,53 | $48.688,25 |
| 130 | $647,80 | $365,16 | $282,64 | $48.405,61 |
| 131 | $647,80 | $363,04 | $284,76 | $48.120,85 |
| 132 | $647,80 | $360,91 | $286,89 | $47.833,96 |
| 133 | $647,80 | $358,75 | $289,05 | $47.544,91 |
| 134 | $647,80 | $356,59 | $291,21 | $47.253,70 |
| 135 | $647,80 | $354,40 | $293,40 | $46.960,30 |
| 136 | $647,80 | $352,20 | $295,60 | $46.664,70 |
| 137 | $647,80 | $349,99 | $297,81 | $46.366,89 |
| 138 | $647,80 | $347,75 | $300,05 | $46.066,84 |
| 139 | $647,80 | $345,50 | $302,30 | $45.764,54 |
| 140 | $647,80 | $343,23 | $304,57 | $45.459,97 |
| 141 | $647,80 | $340,95 | $306,85 | $45.153,12 |
| 142 | $647,80 | $338,65 | $309,15 | $44.843,97 |
| 143 | $647,80 | $336,33 | $311,47 | $44.532,50 |
| 144 | $647,80 | $333,99 | $313,81 | $44.218,69 |
| 145 | $647,80 | $331,64 | $316,16 | $43.902,53 |
| 146 | $647,80 | $329,27 | $318,53 | $43.584,00 |
| 147 | $647,80 | $326,88 | $320,92 | $43.263,08 |
| 148 | $647,80 | $324,47 | $323,33 | $42.939,75 |
| 149 | $647,80 | $322,05 | $325,75 | $42.614,00 |
| 150 | $647,80 | $319,61 | $328,19 | $42.285,81 |
| 151 | $647,80 | $317,14 | $330,66 | $41.955,15 |
| 152 | $647,80 | $314,66 | $333,14 | $41.622,01 |
| 153 | $647,80 | $312,17 | $335,63 | $41.286,38 |
| 154 | $647,80 | $309,65 | $338,15 | $40.948,23 |
| 155 | $647,80 | $307,11 | $340,69 | $40.607,54 |
| 156 | $647,80 | $304,56 | $343,24 | $40.264,30 |
| 157 | $647,80 | $301,98 | $345,82 | $39.918,48 |
| 158 | $647,80 | $299,39 | $348,41 | $39.570,07 |
| 159 | $647,80 | $296,78 | $351,02 | $39.219,05 |
| 160 | $647,80 | $294,14 | $353,66 | $38.865,39 |
| 161 | $647,80 | $291,49 | $356,31 | $38.509,08 |
| 162 | $647,80 | $288,82 | $358,98 | $38.150,10 |
| 163 | $647,80 | $286,13 | $361,67 | $37.788,43 |
| 164 | $647,80 | $283,41 | $364,39 | $37.424,04 |
| 165 | $647,80 | $280,68 | $367,12 | $37.056,92 |
| 166 | $647,80 | $277,93 | $369,87 | $36.687,05 |
| 167 | $647,80 | $275,15 | $372,65 | $36.314,40 |
| 168 | $647,80 | $272,36 | $375,44 | $35.938,96 |
| 169 | $647,80 | $269,54 | $378,26 | $35.560,70 |
| 170 | $647,80 | $266,71 | $381,09 | $35.179,61 |
| 171 | $647,80 | $263,85 | $383,95 | $34.795,66 |
| 172 | $647,80 | $260,97 | $386,83 | $34.408,83 |
| 173 | $647,80 | $258,07 | $389,73 | $34.019,10 |
| 174 | $647,80 | $255,14 | $392,66 | $33.626,44 |
| 175 | $647,80 | $252,20 | $395,60 | $33.230,84 |
| 176 | $647,80 | $249,23 | $398,57 | $32.832,27 |
| 177 | $647,80 | $246,24 | $401,56 | $32.430,71 |
| 178 | $647,80 | $243,23 | $404,57 | $32.026,14 |
| 179 | $647,80 | $240,20 | $407,60 | $31.618,54 |
| 180 | $647,80 | $237,14 | $410,66 | $31.207,88 |
| 181 | $647,80 | $234,06 | $413,74 | $30.794,14 |
| 182 | $647,80 | $230,96 | $416,84 | $30.377,30 |
| 183 | $647,80 | $227,83 | $419,97 | $29.957,33 |
| 184 | $647,80 | $224,68 | $423,12 | $29.534,21 |
| 185 | $647,80 | $221,51 | $426,29 | $29.107,92 |
| 186 | $647,80 | $218,31 | $429,49 | $28.678,43 |
| 187 | $647,80 | $215,09 | $432,71 | $28.245,72 |
| 188 | $647,80 | $211,84 | $435,96 | $27.809,76 |
| 189 | $647,80 | $208,57 | $439,23 | $27.370,53 |
| 190 | $647,80 | $205,28 | $442,52 | $26.928,01 |
| 191 | $647,80 | $201,96 | $445,84 | $26.482,17 |
| 192 | $647,80 | $198,62 | $449,18 | $26.032,99 |
| 193 | $647,80 | $195,25 | $452,55 | $25.580,44 |
| 194 | $647,80 | $191,85 | $455,95 | $25.124,49 |
| 195 | $647,80 | $188,43 | $459,37 | $24.665,12 |
| 196 | $647,80 | $184,99 | $462,81 | $24.202,31 |
| 197 | $647,80 | $181,52 | $466,28 | $23.736,03 |
| 198 | $647,80 | $178,02 | $469,78 | $23.266,25 |
| 199 | $647,80 | $174,50 | $473,30 | $22.792,95 |
| 200 | $647,80 | $170,95 | $476,85 | $22.316,10 |
| 201 | $647,80 | $167,37 | $480,43 | $21.835,67 |
| 202 | $647,80 | $163,77 | $484,03 | $21.351,64 |
| 203 | $647,80 | $160,14 | $487,66 | $20.863,98 |
| 204 | $647,80 | $156,48 | $491,32 | $20.372,66 |
| 205 | $647,80 | $152,79 | $495,01 | $19.877,65 |
| 206 | $647,80 | $149,08 | $498,72 | $19.378,93 |
| 207 | $647,80 | $145,34 | $502,46 | $18.876,47 |
| 208 | $647,80 | $141,57 | $506,23 | $18.370,24 |
| 209 | $647,80 | $137,78 | $510,02 | $17.860,22 |
| 210 | $647,80 | $133,95 | $513,85 | $17.346,37 |
| 211 | $647,80 | $130,10 | $517,70 | $16.828,67 |
| 212 | $647,80 | $126,22 | $521,58 | $16.307,09 |
| 213 | $647,80 | $122,30 | $525,50 | $15.781,59 |
| 214 | $647,80 | $118,36 | $529,44 | $15.252,15 |
| 215 | $647,80 | $114,39 | $533,41 | $14.718,74 |
| 216 | $647,80 | $110,39 | $537,41 | $14.181,33 |
| 217 | $647,80 | $106,36 | $541,44 | $13.639,89 |
| 218 | $647,80 | $102,30 | $545,50 | $13.094,39 |
| 219 | $647,80 | $98,21 | $549,59 | $12.544,80 |
| 220 | $647,80 | $94,09 | $553,71 | $11.991,09 |
| 221 | $647,80 | $89,93 | $557,87 | $11.433,22 |
| 222 | $647,80 | $85,75 | $562,05 | $10.871,17 |
| 223 | $647,80 | $81,53 | $566,27 | $10.304,90 |
| 224 | $647,80 | $77,29 | $570,51 | $9.734,39 |
| 225 | $647,80 | $73,01 | $574,79 | $9.159,60 |
| 226 | $647,80 | $68,70 | $579,10 | $8.580,50 |
| 227 | $647,80 | $64,35 | $583,45 | $7.997,05 |
| 228 | $647,80 | $59,98 | $587,82 | $7.409,23 |
| 229 | $647,80 | $55,57 | $592,23 | $6.817,00 |
| 230 | $647,80 | $51,13 | $596,67 | $6.220,33 |
| 231 | $647,80 | $46,65 | $601,15 | $5.619,18 |
| 232 | $647,80 | $42,14 | $605,66 | $5.013,52 |
| 233 | $647,80 | $37,60 | $610,20 | $4.403,32 |
| 234 | $647,80 | $33,02 | $614,78 | $3.788,54 |
| 235 | $647,80 | $28,41 | $619,39 | $3.169,15 |
| 236 | $647,80 | $23,77 | $624,03 | $2.545,12 |
| 237 | $647,80 | $19,09 | $628,71 | $1.916,41 |
| 238 | $647,80 | $14,37 | $633,43 | $1.282,98 |
| 239 | $647,80 | $9,62 | $638,18 | $644,80 |
| 240 | $649,64 | $4,84 | $644,80 | $0,00 |
Fórmula
financiado = precio − enganche; mensualidad = P × i / (1 − (1+i)^(−n))
Ejemplo
Vivienda a 20 años
Vivienda de 90.000 USD con 18.000 USD de entrada al 9 % anual a 20 años.
Explicación
Resta el enganche al precio del inmueble y amortiza el capital con mensualidad constante (sistema francés). Los gastos opcionales se suman al costo total. Los resultados no son CAT.
Preguntas frecuentes
¿Cómo se calcula el monto financiado?
Es el precio del inmueble menos el enganche. Sobre ese capital se calcula la mensualidad con amortización francesa.
¿El resultado es el CAT?
No. Los resultados son orientativos y no constituyen CAT, oferta vinculante ni consejo financiero. Verifica siempre con tu institución.
Disclaimer
Esta calculadora no calcula CAT. Usa una tasa nominal simplificada; impuestos, seguros y comisiones reales pueden diferir.
Calculadoras relacionadas
Los resultados son orientativos y no constituyen asesoramiento financiero, fiscal ni de inversión.