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Calculadora de hipoteca

Estima tu cuota fija al préstamo, intereses totales y plazo con pagos anticipados e Infonavit bimestral. Sin seguros en este modelo. La calculadora avanzada (vida, hogar y pago creciente) estará disponible próximamente.

Conceptos básicos que ves reflejados en la calculadora. Son orientativos; cada institución tiene condiciones propias en el contrato.

Interés

Es el costo del dinero prestado. El banco cobra un porcentaje anual sobre el saldo que aún debes: cada mes se calcula una parte proporcional y se paga antes de abonar a capital. Por eso al inicio del crédito pagas más interés y menos capital, y con el tiempo se invierte.

Amortización

Es el plan para liquidar el préstamo en el plazo acordado. Tu mensualidad fija (sin contar seguros u otros conceptos) se reparte entre intereses y abono a capital; el capital pagado reduce el saldo y, con él, los intereses de los meses siguientes. La tabla de amortización muestra mes a mes cómo se reparte.

Pagos extra

Son cantidades adicionales que muchos bancos aplican directo a capital (no sustituyen tu pago normal). Reducen el saldo antes de tiempo, así que sueles pagar menos intereses totales y puedes terminar antes. Aquí puedes simular un extra cada mes y otro una vez al año.

Infonavit

En créditos vinculados al trabajo formal, tú y el patrón aportan al Infonavit; esas aportaciones pueden destinarse al pago de la vivienda. En este simulador las modelamos como un abono a capital cada dos meses (bimestral), similar a cómo muchos esquemas reducen el saldo del crédito.

Guía ampliada en el blog →

Datos del crédito

Versión simplificada: pago fijo mensual al préstamo (sin primas de seguros). La versión avanzada (seguros en la mensualidad y pago creciente) llegará próximamente.

MXN
%
años
MXN

Se aplica a capital después del pago programado del mes.

MXN

Se aplica a capital al cierre de cada año (mes 12, 24, …).

MXN

Se aplica a capital cada dos meses.

Resultados

Pago mensual total (mensualidad)
$18,642.62

Sin seguros, toda la mensualidad amortiza el préstamo. Con seguros, el simulador sube la mensualidad total lo necesario para que, al descontar primas del mismo cargo, el crédito siga liquidándose en el plazo pactado.

Intereses totales (estimado)
$2,474,229.70
Tiempo para liquidar
20 años

Saldo restante en el tiempo

Capital pendiente al cierre de cada mes según tu simulación.

Tabla de amortización

Pago: efectivo del mes (parte al crédito + seguros que forman parte de la misma mensualidad + extras e Infonavit). Intereses y a capital reflejan solo el préstamo.

240 meses
MesPagoInteresesA capitalSaldo
1$18,642.62$15,833.33$2,809.29$1,997,190.71
2$18,642.62$15,811.09$2,831.53$1,994,359.18
3$18,642.62$15,788.68$2,853.95$1,991,505.23
4$18,642.62$15,766.08$2,876.54$1,988,628.69
5$18,642.62$15,743.31$2,899.31$1,985,729.38
6$18,642.62$15,720.36$2,922.27$1,982,807.11
7$18,642.62$15,697.22$2,945.40$1,979,861.71
8$18,642.62$15,673.91$2,968.72$1,976,892.99
9$18,642.62$15,650.40$2,992.22$1,973,900.77
10$18,642.62$15,626.71$3,015.91$1,970,884.86
11$18,642.62$15,602.84$3,039.79$1,967,845.08
12$18,642.62$15,578.77$3,063.85$1,964,781.23
13$18,642.62$15,554.52$3,088.11$1,961,693.12
14$18,642.62$15,530.07$3,112.55$1,958,580.57
15$18,642.62$15,505.43$3,137.19$1,955,443.37
16$18,642.62$15,480.59$3,162.03$1,952,281.34
17$18,642.62$15,455.56$3,187.06$1,949,094.28
18$18,642.62$15,430.33$3,212.29$1,945,881.99
19$18,642.62$15,404.90$3,237.72$1,942,644.26
20$18,642.62$15,379.27$3,263.36$1,939,380.90
21$18,642.62$15,353.43$3,289.19$1,936,091.71
22$18,642.62$15,327.39$3,315.23$1,932,776.48
23$18,642.62$15,301.15$3,341.48$1,929,435.01
24$18,642.62$15,274.69$3,367.93$1,926,067.08
25$18,642.62$15,248.03$3,394.59$1,922,672.48
26$18,642.62$15,221.16$3,421.47$1,919,251.02
27$18,642.62$15,194.07$3,448.55$1,915,802.46
28$18,642.62$15,166.77$3,475.85$1,912,326.61
29$18,642.62$15,139.25$3,503.37$1,908,823.24
30$18,642.62$15,111.52$3,531.11$1,905,292.13
31$18,642.62$15,083.56$3,559.06$1,901,733.07
32$18,642.62$15,055.39$3,587.24$1,898,145.83
33$18,642.62$15,026.99$3,615.64$1,894,530.20
34$18,642.62$14,998.36$3,644.26$1,890,885.94
35$18,642.62$14,969.51$3,673.11$1,887,212.83
36$18,642.62$14,940.43$3,702.19$1,883,510.64
37$18,642.62$14,911.13$3,731.50$1,879,779.14
38$18,642.62$14,881.58$3,761.04$1,876,018.10
39$18,642.62$14,851.81$3,790.81$1,872,227.29
40$18,642.62$14,821.80$3,820.82$1,868,406.46
41$18,642.62$14,791.55$3,851.07$1,864,555.39
42$18,642.62$14,761.06$3,881.56$1,860,673.83
43$18,642.62$14,730.33$3,912.29$1,856,761.54
44$18,642.62$14,699.36$3,943.26$1,852,818.28
45$18,642.62$14,668.14$3,974.48$1,848,843.80
46$18,642.62$14,636.68$4,005.94$1,844,837.86
47$18,642.62$14,604.97$4,037.66$1,840,800.20
48$18,642.62$14,573.00$4,069.62$1,836,730.58
49$18,642.62$14,540.78$4,101.84$1,832,628.74
50$18,642.62$14,508.31$4,134.31$1,828,494.42
51$18,642.62$14,475.58$4,167.04$1,824,327.38
52$18,642.62$14,442.59$4,200.03$1,820,127.35
53$18,642.62$14,409.34$4,233.28$1,815,894.07
54$18,642.62$14,375.83$4,266.80$1,811,627.27
55$18,642.62$14,342.05$4,300.57$1,807,326.70
56$18,642.62$14,308.00$4,334.62$1,802,992.08
57$18,642.62$14,273.69$4,368.94$1,798,623.14
58$18,642.62$14,239.10$4,403.52$1,794,219.62
59$18,642.62$14,204.24$4,438.39$1,789,781.23
60$18,642.62$14,169.10$4,473.52$1,785,307.71
61$18,642.62$14,133.69$4,508.94$1,780,798.77
62$18,642.62$14,097.99$4,544.63$1,776,254.14
63$18,642.62$14,062.01$4,580.61$1,771,673.53
64$18,642.62$14,025.75$4,616.88$1,767,056.65
65$18,642.62$13,989.20$4,653.43$1,762,403.23
66$18,642.62$13,952.36$4,690.26$1,757,712.96
67$18,642.62$13,915.23$4,727.40$1,752,985.56
68$18,642.62$13,877.80$4,764.82$1,748,220.74
69$18,642.62$13,840.08$4,802.54$1,743,418.20
70$18,642.62$13,802.06$4,840.56$1,738,577.64
71$18,642.62$13,763.74$4,878.88$1,733,698.75
72$18,642.62$13,725.12$4,917.51$1,728,781.24
73$18,642.62$13,686.18$4,956.44$1,723,824.81
74$18,642.62$13,646.95$4,995.68$1,718,829.13
75$18,642.62$13,607.40$5,035.23$1,713,793.90
76$18,642.62$13,567.54$5,075.09$1,708,718.81
77$18,642.62$13,527.36$5,115.27$1,703,603.55
78$18,642.62$13,486.86$5,155.76$1,698,447.78
79$18,642.62$13,446.04$5,196.58$1,693,251.20
80$18,642.62$13,404.91$5,237.72$1,688,013.49
81$18,642.62$13,363.44$5,279.18$1,682,734.30
82$18,642.62$13,321.65$5,320.98$1,677,413.33
83$18,642.62$13,279.52$5,363.10$1,672,050.22
84$18,642.62$13,237.06$5,405.56$1,666,644.66
85$18,642.62$13,194.27$5,448.35$1,661,196.31
86$18,642.62$13,151.14$5,491.49$1,655,704.82
87$18,642.62$13,107.66$5,534.96$1,650,169.86
88$18,642.62$13,063.84$5,578.78$1,644,591.09
89$18,642.62$13,019.68$5,622.94$1,638,968.14
90$18,642.62$12,975.16$5,667.46$1,633,300.68
91$18,642.62$12,930.30$5,712.33$1,627,588.35
92$18,642.62$12,885.07$5,757.55$1,621,830.81
93$18,642.62$12,839.49$5,803.13$1,616,027.68
94$18,642.62$12,793.55$5,849.07$1,610,178.60
95$18,642.62$12,747.25$5,895.38$1,604,283.23
96$18,642.62$12,700.58$5,942.05$1,598,341.18
97$18,642.62$12,653.53$5,989.09$1,592,352.09
98$18,642.62$12,606.12$6,036.50$1,586,315.59
99$18,642.62$12,558.33$6,084.29$1,580,231.30
100$18,642.62$12,510.16$6,132.46$1,574,098.84
101$18,642.62$12,461.62$6,181.01$1,567,917.83
102$18,642.62$12,412.68$6,229.94$1,561,687.89
103$18,642.62$12,363.36$6,279.26$1,555,408.63
104$18,642.62$12,313.65$6,328.97$1,549,079.65
105$18,642.62$12,263.55$6,379.08$1,542,700.58
106$18,642.62$12,213.05$6,429.58$1,536,271.00
107$18,642.62$12,162.15$6,480.48$1,529,790.52
108$18,642.62$12,110.84$6,531.78$1,523,258.74
109$18,642.62$12,059.13$6,583.49$1,516,675.25
110$18,642.62$12,007.01$6,635.61$1,510,039.64
111$18,642.62$11,954.48$6,688.14$1,503,351.49
112$18,642.62$11,901.53$6,741.09$1,496,610.40
113$18,642.62$11,848.17$6,794.46$1,489,815.94
114$18,642.62$11,794.38$6,848.25$1,482,967.70
115$18,642.62$11,740.16$6,902.46$1,476,065.23
116$18,642.62$11,685.52$6,957.11$1,469,108.13
117$18,642.62$11,630.44$7,012.18$1,462,095.94
118$18,642.62$11,574.93$7,067.70$1,455,028.24
119$18,642.62$11,518.97$7,123.65$1,447,904.59
120$18,642.62$11,462.58$7,180.05$1,440,724.55
121$18,642.62$11,405.74$7,236.89$1,433,487.66
122$18,642.62$11,348.44$7,294.18$1,426,193.48
123$18,642.62$11,290.70$7,351.93$1,418,841.55
124$18,642.62$11,232.50$7,410.13$1,411,431.43
125$18,642.62$11,173.83$7,468.79$1,403,962.63
126$18,642.62$11,114.70$7,527.92$1,396,434.72
127$18,642.62$11,055.11$7,587.52$1,388,847.20
128$18,642.62$10,995.04$7,647.58$1,381,199.62
129$18,642.62$10,934.50$7,708.13$1,373,491.49
130$18,642.62$10,873.47$7,769.15$1,365,722.34
131$18,642.62$10,811.97$7,830.66$1,357,891.68
132$18,642.62$10,749.98$7,892.65$1,349,999.04
133$18,642.62$10,687.49$7,955.13$1,342,043.91
134$18,642.62$10,624.51$8,018.11$1,334,025.80
135$18,642.62$10,561.04$8,081.59$1,325,944.21
136$18,642.62$10,497.06$8,145.57$1,317,798.64
137$18,642.62$10,432.57$8,210.05$1,309,588.59
138$18,642.62$10,367.58$8,275.05$1,301,313.55
139$18,642.62$10,302.07$8,340.56$1,292,972.99
140$18,642.62$10,236.04$8,406.59$1,284,566.40
141$18,642.62$10,169.48$8,473.14$1,276,093.26
142$18,642.62$10,102.40$8,540.22$1,267,553.04
143$18,642.62$10,034.79$8,607.83$1,258,945.21
144$18,642.62$9,966.65$8,675.97$1,250,269.24
145$18,642.62$9,897.96$8,744.66$1,241,524.58
146$18,642.62$9,828.74$8,813.89$1,232,710.69
147$18,642.62$9,758.96$8,883.66$1,223,827.03
148$18,642.62$9,688.63$8,953.99$1,214,873.03
149$18,642.62$9,617.74$9,024.88$1,205,848.16
150$18,642.62$9,546.30$9,096.33$1,196,751.83
151$18,642.62$9,474.29$9,168.34$1,187,583.49
152$18,642.62$9,401.70$9,240.92$1,178,342.57
153$18,642.62$9,328.55$9,314.08$1,169,028.49
154$18,642.62$9,254.81$9,387.81$1,159,640.68
155$18,642.62$9,180.49$9,462.14$1,150,178.54
156$18,642.62$9,105.58$9,537.04$1,140,641.50
157$18,642.62$9,030.08$9,612.55$1,131,028.95
158$18,642.62$8,953.98$9,688.64$1,121,340.31
159$18,642.62$8,877.28$9,765.35$1,111,574.96
160$18,642.62$8,799.97$9,842.66$1,101,732.31
161$18,642.62$8,722.05$9,920.58$1,091,811.73
162$18,642.62$8,643.51$9,999.11$1,081,812.62
163$18,642.62$8,564.35$10,078.27$1,071,734.34
164$18,642.62$8,484.56$10,158.06$1,061,576.28
165$18,642.62$8,404.15$10,238.48$1,051,337.80
166$18,642.62$8,323.09$10,319.53$1,041,018.27
167$18,642.62$8,241.39$10,401.23$1,030,617.04
168$18,642.62$8,159.05$10,483.57$1,020,133.47
169$18,642.62$8,076.06$10,566.57$1,009,566.90
170$18,642.62$7,992.40$10,650.22$998,916.68
171$18,642.62$7,908.09$10,734.53$988,182.15
172$18,642.62$7,823.11$10,819.52$977,362.64
173$18,642.62$7,737.45$10,905.17$966,457.47
174$18,642.62$7,651.12$10,991.50$955,465.96
175$18,642.62$7,564.11$11,078.52$944,387.45
176$18,642.62$7,476.40$11,166.22$933,221.22
177$18,642.62$7,388.00$11,254.62$921,966.60
178$18,642.62$7,298.90$11,343.72$910,622.88
179$18,642.62$7,209.10$11,433.53$899,189.35
180$18,642.62$7,118.58$11,524.04$887,665.31
181$18,642.62$7,027.35$11,615.27$876,050.04
182$18,642.62$6,935.40$11,707.23$864,342.81
183$18,642.62$6,842.71$11,799.91$852,542.90
184$18,642.62$6,749.30$11,893.33$840,649.57
185$18,642.62$6,655.14$11,987.48$828,662.09
186$18,642.62$6,560.24$12,082.38$816,579.71
187$18,642.62$6,464.59$12,178.03$804,401.68
188$18,642.62$6,368.18$12,274.44$792,127.23
189$18,642.62$6,271.01$12,371.62$779,755.62
190$18,642.62$6,173.07$12,469.56$767,286.06
191$18,642.62$6,074.35$12,568.28$754,717.78
192$18,642.62$5,974.85$12,667.77$742,050.01
193$18,642.62$5,874.56$12,768.06$729,281.95
194$18,642.62$5,773.48$12,869.14$716,412.80
195$18,642.62$5,671.60$12,971.02$703,441.78
196$18,642.62$5,568.91$13,073.71$690,368.07
197$18,642.62$5,465.41$13,177.21$677,190.86
198$18,642.62$5,361.09$13,281.53$663,909.33
199$18,642.62$5,255.95$13,386.67$650,522.66
200$18,642.62$5,149.97$13,492.65$637,030.01
201$18,642.62$5,043.15$13,599.47$623,430.54
202$18,642.62$4,935.49$13,707.13$609,723.40
203$18,642.62$4,826.98$13,815.65$595,907.76
204$18,642.62$4,717.60$13,925.02$581,982.74
205$18,642.62$4,607.36$14,035.26$567,947.48
206$18,642.62$4,496.25$14,146.37$553,801.10
207$18,642.62$4,384.26$14,258.37$539,542.74
208$18,642.62$4,271.38$14,371.24$525,171.49
209$18,642.62$4,157.61$14,485.02$510,686.48
210$18,642.62$4,042.93$14,599.69$496,086.79
211$18,642.62$3,927.35$14,715.27$481,371.52
212$18,642.62$3,810.86$14,831.77$466,539.75
213$18,642.62$3,693.44$14,949.18$451,590.57
214$18,642.62$3,575.09$15,067.53$436,523.04
215$18,642.62$3,455.81$15,186.82$421,336.22
216$18,642.62$3,335.58$15,307.05$406,029.18
217$18,642.62$3,214.40$15,428.23$390,600.95
218$18,642.62$3,092.26$15,550.37$375,050.58
219$18,642.62$2,969.15$15,673.47$359,377.11
220$18,642.62$2,845.07$15,797.55$343,579.56
221$18,642.62$2,720.00$15,922.62$327,656.94
222$18,642.62$2,593.95$16,048.67$311,608.26
223$18,642.62$2,466.90$16,175.73$295,432.54
224$18,642.62$2,338.84$16,303.78$279,128.76
225$18,642.62$2,209.77$16,432.85$262,695.90
226$18,642.62$2,079.68$16,562.95$246,132.95
227$18,642.62$1,948.55$16,694.07$229,438.88
228$18,642.62$1,816.39$16,826.23$212,612.65
229$18,642.62$1,683.18$16,959.44$195,653.21
230$18,642.62$1,548.92$17,093.70$178,559.51
231$18,642.62$1,413.60$17,229.03$161,330.48
232$18,642.62$1,277.20$17,365.42$143,965.05
233$18,642.62$1,139.72$17,502.90$126,462.15
234$18,642.62$1,001.16$17,641.47$108,820.69
235$18,642.62$861.50$17,781.13$91,039.56
236$18,642.62$720.73$17,921.89$73,117.67
237$18,642.62$578.85$18,063.78$55,053.89
238$18,642.62$435.84$18,206.78$36,847.11
239$18,642.62$291.71$18,350.92$18,496.20
240$18,642.62$146.43$18,496.20$0.00