Calculadora de Liquidación del Préstamo
Ingresa tu saldo actual y pago mensual para ver exactamente cuándo se liquidará tu préstamo y cuántos intereses pagarás.
1 Préstamo Actual
2 Pago Extra (opcional)
Cronograma de Pago
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Ingresa tu saldo y pago actuales
Pago Estándar
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Con Pago Extra
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Intereses Restantes
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Intereses Ahorrados
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Saldo Restante con el Tiempo
Comparación de Pago
| Métrica | Pago Actual | Con Extra |
|---|---|---|
| Ingresa los datos arriba | ||
Entendiendo Tu Fecha de Pago
Your loan payoff date is determined by your current balance, interest rate, and monthly payment. Unlike early in a loan when most of each payment goes to interest, as your balance decreases, more of each payment goes toward principal — accelerating payoff in the final years.
If you've had your mortgage for several years, you may be surprised at how much interest still remains. This is because of front-loaded amortization: in the early years, interest consumes 80–90% of each payment. This makes early extra payments especially powerful.
Cuándo los Pagos Extra Tienen Más Sentido
- When your mortgage rate is higher than what you can safely earn on investments.
- When you want the psychological security of being debt-free faster.
- When you plan to stay in the home long enough to realize the full savings.
See how refinancing compares using the Refinance Calculator, or explore the Extra Payment Calculator for a detailed breakdown on a new loan.