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Tabla de amortización

Mira exactamente a dónde va cada pago, mes a mes, hasta que el saldo llega a cero.

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Datos del préstamo

Pago mensual
$1,264.14
Intereses totales$255,085.82
Total pagado$455,085.82
Número de pagos360
Tabla de pagos
#PagoCapitalInteresesSaldo
1$1,264.14$180.81$1,083.33$199,819.19
2$1,264.14$181.79$1,082.35$199,637.40
3$1,264.14$182.77$1,081.37$199,454.63
4$1,264.14$183.76$1,080.38$199,270.87
5$1,264.14$184.76$1,079.38$199,086.11
6$1,264.14$185.76$1,078.38$198,900.35
7$1,264.14$186.76$1,077.38$198,713.59
8$1,264.14$187.77$1,076.37$198,525.82
9$1,264.14$188.79$1,075.35$198,337.03
10$1,264.14$189.81$1,074.33$198,147.22
11$1,264.14$190.84$1,073.30$197,956.38
12$1,264.14$191.88$1,072.26$197,764.50
13$1,264.14$192.92$1,071.22$197,571.58
14$1,264.14$193.96$1,070.18$197,377.62
15$1,264.14$195.01$1,069.13$197,182.61
16$1,264.14$196.07$1,068.07$196,986.54
17$1,264.14$197.13$1,067.01$196,789.41
18$1,264.14$198.20$1,065.94$196,591.21
19$1,264.14$199.27$1,064.87$196,391.94
20$1,264.14$200.35$1,063.79$196,191.59
21$1,264.14$201.44$1,062.70$195,990.15
22$1,264.14$202.53$1,061.61$195,787.62
23$1,264.14$203.62$1,060.52$195,584.00
24$1,264.14$204.73$1,059.41$195,379.27
25$1,264.14$205.84$1,058.30$195,173.43
26$1,264.14$206.95$1,057.19$194,966.48
27$1,264.14$208.07$1,056.07$194,758.41
28$1,264.14$209.20$1,054.94$194,549.21
29$1,264.14$210.33$1,053.81$194,338.88
30$1,264.14$211.47$1,052.67$194,127.41
31$1,264.14$212.62$1,051.52$193,914.79
32$1,264.14$213.77$1,050.37$193,701.02
33$1,264.14$214.93$1,049.21$193,486.09
34$1,264.14$216.09$1,048.05$193,270.00
35$1,264.14$217.26$1,046.88$193,052.74
36$1,264.14$218.44$1,045.70$192,834.30
37$1,264.14$219.62$1,044.52$192,614.68
38$1,264.14$220.81$1,043.33$192,393.87
39$1,264.14$222.01$1,042.13$192,171.86
40$1,264.14$223.21$1,040.93$191,948.65
41$1,264.14$224.42$1,039.72$191,724.23
42$1,264.14$225.63$1,038.51$191,498.60
43$1,264.14$226.86$1,037.28$191,271.74
44$1,264.14$228.08$1,036.06$191,043.66
45$1,264.14$229.32$1,034.82$190,814.34
46$1,264.14$230.56$1,033.58$190,583.78
47$1,264.14$231.81$1,032.33$190,351.97
48$1,264.14$233.07$1,031.07$190,118.90
49$1,264.14$234.33$1,029.81$189,884.57
50$1,264.14$235.60$1,028.54$189,648.97
51$1,264.14$236.87$1,027.27$189,412.10
52$1,264.14$238.16$1,025.98$189,173.94
53$1,264.14$239.45$1,024.69$188,934.49
54$1,264.14$240.74$1,023.40$188,693.75
55$1,264.14$242.05$1,022.09$188,451.70
56$1,264.14$243.36$1,020.78$188,208.34
57$1,264.14$244.68$1,019.46$187,963.66
58$1,264.14$246.00$1,018.14$187,717.66
59$1,264.14$247.34$1,016.80$187,470.32
60$1,264.14$248.68$1,015.46$187,221.64
61$1,264.14$250.02$1,014.12$186,971.62
62$1,264.14$251.38$1,012.76$186,720.24
63$1,264.14$252.74$1,011.40$186,467.50
64$1,264.14$254.11$1,010.03$186,213.39
65$1,264.14$255.48$1,008.66$185,957.91
66$1,264.14$256.87$1,007.27$185,701.04
67$1,264.14$258.26$1,005.88$185,442.78
68$1,264.14$259.66$1,004.48$185,183.12
69$1,264.14$261.06$1,003.08$184,922.06
70$1,264.14$262.48$1,001.66$184,659.58
71$1,264.14$263.90$1,000.24$184,395.68
72$1,264.14$265.33$998.81$184,130.35
73$1,264.14$266.77$997.37$183,863.58
74$1,264.14$268.21$995.93$183,595.37
75$1,264.14$269.67$994.47$183,325.70
76$1,264.14$271.13$993.01$183,054.57
77$1,264.14$272.59$991.55$182,781.98
78$1,264.14$274.07$990.07$182,507.91
79$1,264.14$275.56$988.58$182,232.35
80$1,264.14$277.05$987.09$181,955.30
81$1,264.14$278.55$985.59$181,676.75
82$1,264.14$280.06$984.08$181,396.69
83$1,264.14$281.57$982.57$181,115.12
84$1,264.14$283.10$981.04$180,832.02
85$1,264.14$284.63$979.51$180,547.39
86$1,264.14$286.17$977.97$180,261.22
87$1,264.14$287.73$976.41$179,973.49
88$1,264.14$289.28$974.86$179,684.21
89$1,264.14$290.85$973.29$179,393.36
90$1,264.14$292.43$971.71$179,100.93
91$1,264.14$294.01$970.13$178,806.92
92$1,264.14$295.60$968.54$178,511.32
93$1,264.14$297.20$966.94$178,214.12
94$1,264.14$298.81$965.33$177,915.31
95$1,264.14$300.43$963.71$177,614.88
96$1,264.14$302.06$962.08$177,312.82
97$1,264.14$303.70$960.44$177,009.12
98$1,264.14$305.34$958.80$176,703.78
99$1,264.14$306.99$957.15$176,396.79
100$1,264.14$308.66$955.48$176,088.13
101$1,264.14$310.33$953.81$175,777.80
102$1,264.14$312.01$952.13$175,465.79
103$1,264.14$313.70$950.44$175,152.09
104$1,264.14$315.40$948.74$174,836.69
105$1,264.14$317.11$947.03$174,519.58
106$1,264.14$318.83$945.31$174,200.75
107$1,264.14$320.55$943.59$173,880.20
108$1,264.14$322.29$941.85$173,557.91
109$1,264.14$324.03$940.11$173,233.88
110$1,264.14$325.79$938.35$172,908.09
111$1,264.14$327.55$936.59$172,580.54
112$1,264.14$329.33$934.81$172,251.21
113$1,264.14$331.11$933.03$171,920.10
114$1,264.14$332.91$931.23$171,587.19
115$1,264.14$334.71$929.43$171,252.48
116$1,264.14$336.52$927.62$170,915.96
117$1,264.14$338.35$925.79$170,577.61
118$1,264.14$340.18$923.96$170,237.43
119$1,264.14$342.02$922.12$169,895.41
120$1,264.14$343.87$920.27$169,551.54
121$1,264.14$345.74$918.40$169,205.80
122$1,264.14$347.61$916.53$168,858.19
123$1,264.14$349.49$914.65$168,508.70
124$1,264.14$351.38$912.76$168,157.32
125$1,264.14$353.29$910.85$167,804.03
126$1,264.14$355.20$908.94$167,448.83
127$1,264.14$357.13$907.01$167,091.70
128$1,264.14$359.06$905.08$166,732.64
129$1,264.14$361.00$903.14$166,371.64
130$1,264.14$362.96$901.18$166,008.68
131$1,264.14$364.93$899.21$165,643.75
132$1,264.14$366.90$897.24$165,276.85
133$1,264.14$368.89$895.25$164,907.96
134$1,264.14$370.89$893.25$164,537.07
135$1,264.14$372.90$891.24$164,164.17
136$1,264.14$374.92$889.22$163,789.25
137$1,264.14$376.95$887.19$163,412.30
138$1,264.14$378.99$885.15$163,033.31
139$1,264.14$381.04$883.10$162,652.27
140$1,264.14$383.11$881.03$162,269.16
141$1,264.14$385.18$878.96$161,883.98
142$1,264.14$387.27$876.87$161,496.71
143$1,264.14$389.37$874.77$161,107.34
144$1,264.14$391.48$872.66$160,715.86
145$1,264.14$393.60$870.54$160,322.26
146$1,264.14$395.73$868.41$159,926.53
147$1,264.14$397.87$866.27$159,528.66
148$1,264.14$400.03$864.11$159,128.63
149$1,264.14$402.19$861.95$158,726.44
150$1,264.14$404.37$859.77$158,322.07
151$1,264.14$406.56$857.58$157,915.51
152$1,264.14$408.76$855.38$157,506.75
153$1,264.14$410.98$853.16$157,095.77
154$1,264.14$413.20$850.94$156,682.57
155$1,264.14$415.44$848.70$156,267.13
156$1,264.14$417.69$846.45$155,849.44
157$1,264.14$419.96$844.18$155,429.48
158$1,264.14$422.23$841.91$155,007.25
159$1,264.14$424.52$839.62$154,582.73
160$1,264.14$426.82$837.32$154,155.91
161$1,264.14$429.13$835.01$153,726.78
162$1,264.14$431.45$832.69$153,295.33
163$1,264.14$433.79$830.35$152,861.54
164$1,264.14$436.14$828.00$152,425.40
165$1,264.14$438.50$825.64$151,986.90
166$1,264.14$440.88$823.26$151,546.02
167$1,264.14$443.27$820.87$151,102.75
168$1,264.14$445.67$818.47$150,657.08
169$1,264.14$448.08$816.06$150,209.00
170$1,264.14$450.51$813.63$149,758.49
171$1,264.14$452.95$811.19$149,305.54
172$1,264.14$455.40$808.74$148,850.14
173$1,264.14$457.87$806.27$148,392.27
174$1,264.14$460.35$803.79$147,931.92
175$1,264.14$462.84$801.30$147,469.08
176$1,264.14$465.35$798.79$147,003.73
177$1,264.14$467.87$796.27$146,535.86
178$1,264.14$470.40$793.74$146,065.46
179$1,264.14$472.95$791.19$145,592.51
180$1,264.14$475.51$788.63$145,117.00
181$1,264.14$478.09$786.05$144,638.91
182$1,264.14$480.68$783.46$144,158.23
183$1,264.14$483.28$780.86$143,674.95
184$1,264.14$485.90$778.24$143,189.05
185$1,264.14$488.53$775.61$142,700.52
186$1,264.14$491.18$772.96$142,209.34
187$1,264.14$493.84$770.30$141,715.50
188$1,264.14$496.51$767.63$141,218.99
189$1,264.14$499.20$764.94$140,719.79
190$1,264.14$501.91$762.23$140,217.88
191$1,264.14$504.63$759.51$139,713.25
192$1,264.14$507.36$756.78$139,205.89
193$1,264.14$510.11$754.03$138,695.78
194$1,264.14$512.87$751.27$138,182.91
195$1,264.14$515.65$748.49$137,667.26
196$1,264.14$518.44$745.70$137,148.82
197$1,264.14$521.25$742.89$136,627.57
198$1,264.14$524.07$740.07$136,103.50
199$1,264.14$526.91$737.23$135,576.59
200$1,264.14$529.77$734.37$135,046.82
201$1,264.14$532.64$731.50$134,514.18
202$1,264.14$535.52$728.62$133,978.66
203$1,264.14$538.42$725.72$133,440.24
204$1,264.14$541.34$722.80$132,898.90
205$1,264.14$544.27$719.87$132,354.63
206$1,264.14$547.22$716.92$131,807.41
207$1,264.14$550.18$713.96$131,257.23
208$1,264.14$553.16$710.98$130,704.07
209$1,264.14$556.16$707.98$130,147.91
210$1,264.14$559.17$704.97$129,588.74
211$1,264.14$562.20$701.94$129,026.54
212$1,264.14$565.25$698.89$128,461.29
213$1,264.14$568.31$695.83$127,892.98
214$1,264.14$571.39$692.75$127,321.59
215$1,264.14$574.48$689.66$126,747.11
216$1,264.14$577.59$686.55$126,169.52
217$1,264.14$580.72$683.42$125,588.80
218$1,264.14$583.87$680.27$125,004.93
219$1,264.14$587.03$677.11$124,417.90
220$1,264.14$590.21$673.93$123,827.69
221$1,264.14$593.41$670.73$123,234.28
222$1,264.14$596.62$667.52$122,637.66
223$1,264.14$599.85$664.29$122,037.81
224$1,264.14$603.10$661.04$121,434.71
225$1,264.14$606.37$657.77$120,828.34
226$1,264.14$609.65$654.49$120,218.69
227$1,264.14$612.96$651.18$119,605.73
228$1,264.14$616.28$647.86$118,989.45
229$1,264.14$619.61$644.53$118,369.84
230$1,264.14$622.97$641.17$117,746.87
231$1,264.14$626.34$637.80$117,120.53
232$1,264.14$629.74$634.40$116,490.79
233$1,264.14$633.15$630.99$115,857.64
234$1,264.14$636.58$627.56$115,221.06
235$1,264.14$640.03$624.11$114,581.03
236$1,264.14$643.49$620.65$113,937.54
237$1,264.14$646.98$617.16$113,290.56
238$1,264.14$650.48$613.66$112,640.08
239$1,264.14$654.01$610.13$111,986.07
240$1,264.14$657.55$606.59$111,328.52
241$1,264.14$661.11$603.03$110,667.41
242$1,264.14$664.69$599.45$110,002.72
243$1,264.14$668.29$595.85$109,334.43
244$1,264.14$671.91$592.23$108,662.52
245$1,264.14$675.55$588.59$107,986.97
246$1,264.14$679.21$584.93$107,307.76
247$1,264.14$682.89$581.25$106,624.87
248$1,264.14$686.59$577.55$105,938.28
249$1,264.14$690.31$573.83$105,247.97
250$1,264.14$694.05$570.09$104,553.92
251$1,264.14$697.81$566.33$103,856.11
252$1,264.14$701.59$562.55$103,154.52
253$1,264.14$705.39$558.75$102,449.13
254$1,264.14$709.21$554.93$101,739.92
255$1,264.14$713.05$551.09$101,026.87
256$1,264.14$716.91$547.23$100,309.96
257$1,264.14$720.79$543.35$99,589.17
258$1,264.14$724.70$539.44$98,864.47
259$1,264.14$728.62$535.52$98,135.85
260$1,264.14$732.57$531.57$97,403.28
261$1,264.14$736.54$527.60$96,666.74
262$1,264.14$740.53$523.61$95,926.21
263$1,264.14$744.54$519.60$95,181.67
264$1,264.14$748.57$515.57$94,433.10
265$1,264.14$752.63$511.51$93,680.47
266$1,264.14$756.70$507.44$92,923.77
267$1,264.14$760.80$503.34$92,162.97
268$1,264.14$764.92$499.22$91,398.05
269$1,264.14$769.07$495.07$90,628.98
270$1,264.14$773.23$490.91$89,855.75
271$1,264.14$777.42$486.72$89,078.33
272$1,264.14$781.63$482.51$88,296.70
273$1,264.14$785.87$478.27$87,510.83
274$1,264.14$790.12$474.02$86,720.71
275$1,264.14$794.40$469.74$85,926.31
276$1,264.14$798.71$465.43$85,127.60
277$1,264.14$803.03$461.11$84,324.57
278$1,264.14$807.38$456.76$83,517.19
279$1,264.14$811.76$452.38$82,705.43
280$1,264.14$816.15$447.99$81,889.28
281$1,264.14$820.57$443.57$81,068.71
282$1,264.14$825.02$439.12$80,243.69
283$1,264.14$829.49$434.65$79,414.20
284$1,264.14$833.98$430.16$78,580.22
285$1,264.14$838.50$425.64$77,741.72
286$1,264.14$843.04$421.10$76,898.68
287$1,264.14$847.61$416.53$76,051.07
288$1,264.14$852.20$411.94$75,198.87
289$1,264.14$856.81$407.33$74,342.06
290$1,264.14$861.45$402.69$73,480.61
291$1,264.14$866.12$398.02$72,614.49
292$1,264.14$870.81$393.33$71,743.68
293$1,264.14$875.53$388.61$70,868.15
294$1,264.14$880.27$383.87$69,987.88
295$1,264.14$885.04$379.10$69,102.84
296$1,264.14$889.83$374.31$68,213.01
297$1,264.14$894.65$369.49$67,318.36
298$1,264.14$899.50$364.64$66,418.86
299$1,264.14$904.37$359.77$65,514.49
300$1,264.14$909.27$354.87$64,605.22
301$1,264.14$914.20$349.94$63,691.02
302$1,264.14$919.15$344.99$62,771.87
303$1,264.14$924.13$340.01$61,847.74
304$1,264.14$929.13$335.01$60,918.61
305$1,264.14$934.16$329.98$59,984.45
306$1,264.14$939.22$324.92$59,045.23
307$1,264.14$944.31$319.83$58,100.92
308$1,264.14$949.43$314.71$57,151.49
309$1,264.14$954.57$309.57$56,196.92
310$1,264.14$959.74$304.40$55,237.18
311$1,264.14$964.94$299.20$54,272.24
312$1,264.14$970.17$293.97$53,302.07
313$1,264.14$975.42$288.72$52,326.65
314$1,264.14$980.70$283.44$51,345.95
315$1,264.14$986.02$278.12$50,359.93
316$1,264.14$991.36$272.78$49,368.57
317$1,264.14$996.73$267.41$48,371.84
318$1,264.14$1,002.13$262.01$47,369.71
319$1,264.14$1,007.55$256.59$46,362.16
320$1,264.14$1,013.01$251.13$45,349.15
321$1,264.14$1,018.50$245.64$44,330.65
322$1,264.14$1,024.02$240.12$43,306.63
323$1,264.14$1,029.56$234.58$42,277.07
324$1,264.14$1,035.14$229.00$41,241.93
325$1,264.14$1,040.75$223.39$40,201.18
326$1,264.14$1,046.38$217.76$39,154.80
327$1,264.14$1,052.05$212.09$38,102.75
328$1,264.14$1,057.75$206.39$37,045.00
329$1,264.14$1,063.48$200.66$35,981.52
330$1,264.14$1,069.24$194.90$34,912.28
331$1,264.14$1,075.03$189.11$33,837.25
332$1,264.14$1,080.85$183.29$32,756.40
333$1,264.14$1,086.71$177.43$31,669.69
334$1,264.14$1,092.60$171.54$30,577.09
335$1,264.14$1,098.51$165.63$29,478.58
336$1,264.14$1,104.46$159.68$28,374.12
337$1,264.14$1,110.45$153.69$27,263.67
338$1,264.14$1,116.46$147.68$26,147.21
339$1,264.14$1,122.51$141.63$25,024.70
340$1,264.14$1,128.59$135.55$23,896.11
341$1,264.14$1,134.70$129.44$22,761.41
342$1,264.14$1,140.85$123.29$21,620.56
343$1,264.14$1,147.03$117.11$20,473.53
344$1,264.14$1,153.24$110.90$19,320.29
345$1,264.14$1,159.49$104.65$18,160.80
346$1,264.14$1,165.77$98.37$16,995.03
347$1,264.14$1,172.08$92.06$15,822.95
348$1,264.14$1,178.43$85.71$14,644.52
349$1,264.14$1,184.82$79.32$13,459.70
350$1,264.14$1,191.23$72.91$12,268.47
351$1,264.14$1,197.69$66.45$11,070.78
352$1,264.14$1,204.17$59.97$9,866.61
353$1,264.14$1,210.70$53.44$8,655.91
354$1,264.14$1,217.25$46.89$7,438.66
355$1,264.14$1,223.85$40.29$6,214.81
356$1,264.14$1,230.48$33.66$4,984.33
357$1,264.14$1,237.14$27.00$3,747.19
358$1,264.14$1,243.84$20.30$2,503.35
359$1,264.14$1,250.58$13.56$1,252.77
360$1,259.56$1,252.77$6.79$0.00

Tasa fija y pagos mensuales. Intereses redondeados al centavo cada mes, como lo hacen los bancos.

Cómo leer una tabla de amortización

Cada renglón es un pago mensual. La columna de intereses es el saldo al inicio de ese mes por la tasa mensual; la de capital es lo que queda del pago; el saldo es lo que todavía debes. Como el saldo solo baja, la parte de intereses se reduce y la de capital crece cada mes, mientras el pago se mantiene igual.

Ejemplo resuelto

Un crédito hipotecario de $200,000 al 6.5 % a 30 años tiene un pago de $1,264.14. En el primer mes los intereses son $200,000 × 0.065 ÷ 12 = $1,083.33, así que solo $180.81 reducen el saldo, que queda en $199,819.19. Pasan unos 18 años antes de que más de la mitad de cada pago vaya a capital.

Para qué sirve

  • Saber el saldo después de cierto número de años, para refinanciar o vender.
  • Ver el efecto de los abonos a capital: suma $200 al mes en el ejemplo y el crédito termina años antes.
  • Revisar renglón por renglón el estado de cuenta del banco.

Cómo funciona

La página calcula el pago mensual fijo con la fórmula de anualidad y luego recorre cada mes: el interés es el saldo actual por la tasa mensual, redondeado al centavo; el capital es el pago (más cualquier abono extra) menos ese interés; el saldo baja en lo que se pagó de capital. El último pago cubre el saldo restante, así que la tabla termina exactamente en cero. Los totales de intereses y pagos se suman de los renglones. Todo se calcula en tu navegador.

Preguntas frecuentes

¿Qué es la amortización?

Pagar una deuda con pagos periódicos que cubren los intereses y reducen poco a poco el capital.

¿Por qué el último pago es un poco distinto?

El interés de cada mes se redondea al centavo; el último pago absorbe el redondeo acumulado.

¿Cómo cambian la tabla los abonos extra?

Reducen el saldo de inmediato, así que los intereses siguientes son menores y el préstamo termina antes.

¿Puedo exportar la tabla?

Selecciona la tabla y cópiala; se pega en una hoja de cálculo con las columnas intactas.

Fuentes

Revisado el 17 oct 2026 · vectores de prueba fixtures/calculators/finance/amortization-schedule/