Crédito (cuota y amortización)
Calcula la mensualidad y el cuadro de amortización francés de un crédito.
Revisado: 2026-09-21
Resultado
Cuota mensual
$243,18
- Intereses totales
- $4.590,82
- Costo total
- $14.590,82
- Importe financiado
- $10.000,00
- Comisiones opcionales
- $0,00
Desglose
Tabla de amortización
| Periodo | Cuota | Intereses | Capital | Saldo |
|---|---|---|---|---|
| 1 | $243,18 | $133,33 | $109,85 | $9.890,15 |
| 2 | $243,18 | $131,87 | $111,31 | $9.778,84 |
| 3 | $243,18 | $130,38 | $112,80 | $9.666,04 |
| 4 | $243,18 | $128,88 | $114,30 | $9.551,74 |
| 5 | $243,18 | $127,36 | $115,82 | $9.435,92 |
| 6 | $243,18 | $125,81 | $117,37 | $9.318,55 |
| 7 | $243,18 | $124,25 | $118,93 | $9.199,62 |
| 8 | $243,18 | $122,66 | $120,52 | $9.079,10 |
| 9 | $243,18 | $121,05 | $122,13 | $8.956,97 |
| 10 | $243,18 | $119,43 | $123,75 | $8.833,22 |
| 11 | $243,18 | $117,78 | $125,40 | $8.707,82 |
| 12 | $243,18 | $116,10 | $127,08 | $8.580,74 |
| 13 | $243,18 | $114,41 | $128,77 | $8.451,97 |
| 14 | $243,18 | $112,69 | $130,49 | $8.321,48 |
| 15 | $243,18 | $110,95 | $132,23 | $8.189,25 |
| 16 | $243,18 | $109,19 | $133,99 | $8.055,26 |
| 17 | $243,18 | $107,40 | $135,78 | $7.919,48 |
| 18 | $243,18 | $105,59 | $137,59 | $7.781,89 |
| 19 | $243,18 | $103,76 | $139,42 | $7.642,47 |
| 20 | $243,18 | $101,90 | $141,28 | $7.501,19 |
| 21 | $243,18 | $100,02 | $143,16 | $7.358,03 |
| 22 | $243,18 | $98,11 | $145,07 | $7.212,96 |
| 23 | $243,18 | $96,17 | $147,01 | $7.065,95 |
| 24 | $243,18 | $94,21 | $148,97 | $6.916,98 |
| 25 | $243,18 | $92,23 | $150,95 | $6.766,03 |
| 26 | $243,18 | $90,21 | $152,97 | $6.613,06 |
| 27 | $243,18 | $88,17 | $155,01 | $6.458,05 |
| 28 | $243,18 | $86,11 | $157,07 | $6.300,98 |
| 29 | $243,18 | $84,01 | $159,17 | $6.141,81 |
| 30 | $243,18 | $81,89 | $161,29 | $5.980,52 |
| 31 | $243,18 | $79,74 | $163,44 | $5.817,08 |
| 32 | $243,18 | $77,56 | $165,62 | $5.651,46 |
| 33 | $243,18 | $75,35 | $167,83 | $5.483,63 |
| 34 | $243,18 | $73,12 | $170,06 | $5.313,57 |
| 35 | $243,18 | $70,85 | $172,33 | $5.141,24 |
| 36 | $243,18 | $68,55 | $174,63 | $4.966,61 |
| 37 | $243,18 | $66,22 | $176,96 | $4.789,65 |
| 38 | $243,18 | $63,86 | $179,32 | $4.610,33 |
| 39 | $243,18 | $61,47 | $181,71 | $4.428,62 |
| 40 | $243,18 | $59,05 | $184,13 | $4.244,49 |
| 41 | $243,18 | $56,59 | $186,59 | $4.057,90 |
| 42 | $243,18 | $54,11 | $189,07 | $3.868,83 |
| 43 | $243,18 | $51,58 | $191,60 | $3.677,23 |
| 44 | $243,18 | $49,03 | $194,15 | $3.483,08 |
| 45 | $243,18 | $46,44 | $196,74 | $3.286,34 |
| 46 | $243,18 | $43,82 | $199,36 | $3.086,98 |
| 47 | $243,18 | $41,16 | $202,02 | $2.884,96 |
| 48 | $243,18 | $38,47 | $204,71 | $2.680,25 |
| 49 | $243,18 | $35,74 | $207,44 | $2.472,81 |
| 50 | $243,18 | $32,97 | $210,21 | $2.262,60 |
| 51 | $243,18 | $30,17 | $213,01 | $2.049,59 |
| 52 | $243,18 | $27,33 | $215,85 | $1.833,74 |
| 53 | $243,18 | $24,45 | $218,73 | $1.615,01 |
| 54 | $243,18 | $21,53 | $221,65 | $1.393,36 |
| 55 | $243,18 | $18,58 | $224,60 | $1.168,76 |
| 56 | $243,18 | $15,58 | $227,60 | $941,16 |
| 57 | $243,18 | $12,55 | $230,63 | $710,53 |
| 58 | $243,18 | $9,47 | $233,71 | $476,82 |
| 59 | $243,18 | $6,36 | $236,82 | $240,00 |
| 60 | $243,20 | $3,20 | $240,00 | $0,00 |
Fórmula
mensualidad = P × i / (1 − (1+i)^(−n)), con i = tasa mensual y n = meses
Ejemplo
Crédito de consumo a 5 años
10.000 USD al 16 % 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.