Solo interés y luego amortización
Calculadora

Pago de solo interés

$1,375.00

Resultados

Pago de solo interés: $1,375.00
Pago tras el periodo de solo interés: $1,917.86
Intereses totales: $262,330.18
Intereses adicionales vs estándar: $9,651.44

Saldo e intereses en el tiempo

Saldo restante
Intereses pagados hasta la fecha

Calendario de pagos


1	1,375.00	0.00	1,375.00	300,000.00
2	1,375.00	0.00	1,375.00	300,000.00
3	1,375.00	0.00	1,375.00	300,000.00
4	1,375.00	0.00	1,375.00	300,000.00
5	1,375.00	0.00	1,375.00	300,000.00
6	1,375.00	0.00	1,375.00	300,000.00
7	1,375.00	0.00	1,375.00	300,000.00
8	1,375.00	0.00	1,375.00	300,000.00
9	1,375.00	0.00	1,375.00	300,000.00
10	1,375.00	0.00	1,375.00	300,000.00
11	1,375.00	0.00	1,375.00	300,000.00
12	1,375.00	0.00	1,375.00	300,000.00
13	1,375.00	0.00	1,375.00	300,000.00
14	1,375.00	0.00	1,375.00	300,000.00
15	1,375.00	0.00	1,375.00	300,000.00
16	1,375.00	0.00	1,375.00	300,000.00
17	1,375.00	0.00	1,375.00	300,000.00
18	1,375.00	0.00	1,375.00	300,000.00
19	1,375.00	0.00	1,375.00	300,000.00
20	1,375.00	0.00	1,375.00	300,000.00
21	1,375.00	0.00	1,375.00	300,000.00
22	1,375.00	0.00	1,375.00	300,000.00
23	1,375.00	0.00	1,375.00	300,000.00
24	1,375.00	0.00	1,375.00	300,000.00
25	1,917.86	542.86	1,375.00	299,457.14
26	1,917.86	545.35	1,372.51	298,911.79
27	1,917.86	547.85	1,370.01	298,363.94
28	1,917.86	550.36	1,367.50	297,813.57
29	1,917.86	552.88	1,364.98	297,260.69
30	1,917.86	555.42	1,362.44	296,705.27
31	1,917.86	557.96	1,359.90	296,147.31
32	1,917.86	560.52	1,357.34	295,586.79
33	1,917.86	563.09	1,354.77	295,023.70
34	1,917.86	565.67	1,352.19	294,458.03
35	1,917.86	568.26	1,349.60	293,889.76
36	1,917.86	570.87	1,346.99	293,318.89
37	1,917.86	573.48	1,344.38	292,745.41
38	1,917.86	576.11	1,341.75	292,169.30
39	1,917.86	578.75	1,339.11	291,590.54
40	1,917.86	581.41	1,336.46	291,009.14
41	1,917.86	584.07	1,333.79	290,425.06
42	1,917.86	586.75	1,331.11	289,838.32
43	1,917.86	589.44	1,328.43	289,248.88
44	1,917.86	592.14	1,325.72	288,656.74
45	1,917.86	594.85	1,323.01	288,061.89
46	1,917.86	597.58	1,320.28	287,464.31
47	1,917.86	600.32	1,317.54	286,863.99
48	1,917.86	603.07	1,314.79	286,260.92
49	1,917.86	605.83	1,312.03	285,655.09
50	1,917.86	608.61	1,309.25	285,046.48
51	1,917.86	611.40	1,306.46	284,435.08
52	1,917.86	614.20	1,303.66	283,820.87
53	1,917.86	617.02	1,300.85	283,203.86
54	1,917.86	619.85	1,298.02	282,584.01
55	1,917.86	622.69	1,295.18	281,961.32
56	1,917.86	625.54	1,292.32	281,335.78
57	1,917.86	628.41	1,289.46	280,707.38
58	1,917.86	631.29	1,286.58	280,076.09
59	1,917.86	634.18	1,283.68	279,441.91
60	1,917.86	637.09	1,280.78	278,804.82
61	1,917.86	640.01	1,277.86	278,164.81
62	1,917.86	642.94	1,274.92	277,521.87
63	1,917.86	645.89	1,271.98	276,875.98
64	1,917.86	648.85	1,269.01	276,227.14
65	1,917.86	651.82	1,266.04	275,575.31
66	1,917.86	654.81	1,263.05	274,920.51
67	1,917.86	657.81	1,260.05	274,262.69
68	1,917.86	660.83	1,257.04	273,601.87
69	1,917.86	663.85	1,254.01	272,938.01
70	1,917.86	666.90	1,250.97	272,271.12
71	1,917.86	669.95	1,247.91	271,601.16
72	1,917.86	673.02	1,244.84	270,928.14
73	1,917.86	676.11	1,241.75	270,252.03
74	1,917.86	679.21	1,238.66	269,572.82
75	1,917.86	682.32	1,235.54	268,890.50
76	1,917.86	685.45	1,232.41	268,205.05
77	1,917.86	688.59	1,229.27	267,516.46
78	1,917.86	691.75	1,226.12	266,824.72
79	1,917.86	694.92	1,222.95	266,129.80
80	1,917.86	698.10	1,219.76	265,431.70
81	1,917.86	701.30	1,216.56	264,730.40
82	1,917.86	704.52	1,213.35	264,025.88
83	1,917.86	707.74	1,210.12	263,318.14
84	1,917.86	710.99	1,206.87	262,607.15
85	1,917.86	714.25	1,203.62	261,892.90
86	1,917.86	717.52	1,200.34	261,175.38
87	1,917.86	720.81	1,197.05	260,454.57
88	1,917.86	724.11	1,193.75	259,730.46
89	1,917.86	727.43	1,190.43	259,003.03
90	1,917.86	730.77	1,187.10	258,272.26
91	1,917.86	734.12	1,183.75	257,538.15
92	1,917.86	737.48	1,180.38	256,800.67
93	1,917.86	740.86	1,177.00	256,059.81
94	1,917.86	744.26	1,173.61	255,315.55
95	1,917.86	747.67	1,170.20	254,567.89
96	1,917.86	751.09	1,166.77	253,816.79
97	1,917.86	754.54	1,163.33	253,062.26
98	1,917.86	757.99	1,159.87	252,304.26
99	1,917.86	761.47	1,156.39	251,542.80
100	1,917.86	764.96	1,152.90	250,777.84
101	1,917.86	768.46	1,149.40	250,009.37
102	1,917.86	771.99	1,145.88	249,237.39
103	1,917.86	775.52	1,142.34	248,461.86
104	1,917.86	779.08	1,138.78	247,682.78
105	1,917.86	782.65	1,135.21	246,900.13
106	1,917.86	786.24	1,131.63	246,113.89
107	1,917.86	789.84	1,128.02	245,324.05
108	1,917.86	793.46	1,124.40	244,530.59
109	1,917.86	797.10	1,120.77	243,733.49
110	1,917.86	800.75	1,117.11	242,932.74
111	1,917.86	804.42	1,113.44	242,128.32
112	1,917.86	808.11	1,109.75	241,320.21
113	1,917.86	811.81	1,106.05	240,508.40
114	1,917.86	815.53	1,102.33	239,692.87
115	1,917.86	819.27	1,098.59	238,873.60
116	1,917.86	823.03	1,094.84	238,050.57
117	1,917.86	826.80	1,091.07	237,223.77
118	1,917.86	830.59	1,087.28	236,393.19
119	1,917.86	834.39	1,083.47	235,558.79
120	1,917.86	838.22	1,079.64	234,720.57
121	1,917.86	842.06	1,075.80	233,878.51
122	1,917.86	845.92	1,071.94	233,032.59
123	1,917.86	849.80	1,068.07	232,182.80
124	1,917.86	853.69	1,064.17	231,329.11
125	1,917.86	857.60	1,060.26	230,471.50
126	1,917.86	861.54	1,056.33	229,609.97
127	1,917.86	865.48	1,052.38	228,744.48
128	1,917.86	869.45	1,048.41	227,875.03
129	1,917.86	873.44	1,044.43	227,001.60
130	1,917.86	877.44	1,040.42	226,124.16
131	1,917.86	881.46	1,036.40	225,242.70
132	1,917.86	885.50	1,032.36	224,357.19
133	1,917.86	889.56	1,028.30	223,467.64
134	1,917.86	893.64	1,024.23	222,574.00
135	1,917.86	897.73	1,020.13	221,676.27
136	1,917.86	901.85	1,016.02	220,774.42
137	1,917.86	905.98	1,011.88	219,868.44
138	1,917.86	910.13	1,007.73	218,958.31
139	1,917.86	914.30	1,003.56	218,044.00
140	1,917.86	918.49	999.37	217,125.51
141	1,917.86	922.70	995.16	216,202.80
142	1,917.86	926.93	990.93	215,275.87
143	1,917.86	931.18	986.68	214,344.69
144	1,917.86	935.45	982.41	213,409.24
145	1,917.86	939.74	978.13	212,469.50
146	1,917.86	944.04	973.82	211,525.46
147	1,917.86	948.37	969.49	210,577.09
148	1,917.86	952.72	965.14	209,624.37
149	1,917.86	957.08	960.78	208,667.28
150	1,917.86	961.47	956.39	207,705.81
151	1,917.86	965.88	951.98	206,739.93
152	1,917.86	970.30	947.56	205,769.63
153	1,917.86	974.75	943.11	204,794.88
154	1,917.86	979.22	938.64	203,815.66
155	1,917.86	983.71	934.16	202,831.95
156	1,917.86	988.22	929.65	201,843.73
157	1,917.86	992.75	925.12	200,850.99
158	1,917.86	997.30	920.57	199,853.69
159	1,917.86	1,001.87	916.00	198,851.82
160	1,917.86	1,006.46	911.40	197,845.37
161	1,917.86	1,011.07	906.79	196,834.29
162	1,917.86	1,015.71	902.16	195,818.59
163	1,917.86	1,020.36	897.50	194,798.23
164	1,917.86	1,025.04	892.83	193,773.19
165	1,917.86	1,029.74	888.13	192,743.45
166	1,917.86	1,034.46	883.41	191,709.00
167	1,917.86	1,039.20	878.67	190,669.80
168	1,917.86	1,043.96	873.90	189,625.84
169	1,917.86	1,048.74	869.12	188,577.10
170	1,917.86	1,053.55	864.31	187,523.55
171	1,917.86	1,058.38	859.48	186,465.17
172	1,917.86	1,063.23	854.63	185,401.93
173	1,917.86	1,068.10	849.76	184,333.83
174	1,917.86	1,073.00	844.86	183,260.83
175	1,917.86	1,077.92	839.95	182,182.91
176	1,917.86	1,082.86	835.01	181,100.06
177	1,917.86	1,087.82	830.04	180,012.23
178	1,917.86	1,092.81	825.06	178,919.43
179	1,917.86	1,097.82	820.05	177,821.61
180	1,917.86	1,102.85	815.02	176,718.76
181	1,917.86	1,107.90	809.96	175,610.86
182	1,917.86	1,112.98	804.88	174,497.88
183	1,917.86	1,118.08	799.78	173,379.80
184	1,917.86	1,123.21	794.66	172,256.60
185	1,917.86	1,128.35	789.51	171,128.24
186	1,917.86	1,133.53	784.34	169,994.72
187	1,917.86	1,138.72	779.14	168,856.00
188	1,917.86	1,143.94	773.92	167,712.06
189	1,917.86	1,149.18	768.68	166,562.87
190	1,917.86	1,154.45	763.41	165,408.42
191	1,917.86	1,159.74	758.12	164,248.68
192	1,917.86	1,165.06	752.81	163,083.63
193	1,917.86	1,170.40	747.47	161,913.23
194	1,917.86	1,175.76	742.10	160,737.47
195	1,917.86	1,181.15	736.71	159,556.32
196	1,917.86	1,186.56	731.30	158,369.76
197	1,917.86	1,192.00	725.86	157,177.76
198	1,917.86	1,197.46	720.40	155,980.29
199	1,917.86	1,202.95	714.91	154,777.34
200	1,917.86	1,208.47	709.40	153,568.87
201	1,917.86	1,214.01	703.86	152,354.87
202	1,917.86	1,219.57	698.29	151,135.30
203	1,917.86	1,225.16	692.70	149,910.14
204	1,917.86	1,230.77	687.09	148,679.36
205	1,917.86	1,236.42	681.45	147,442.94
206	1,917.86	1,242.08	675.78	146,200.86
207	1,917.86	1,247.78	670.09	144,953.09
208	1,917.86	1,253.49	664.37	143,699.59
209	1,917.86	1,259.24	658.62	142,440.35
210	1,917.86	1,265.01	652.85	141,175.34
211	1,917.86	1,270.81	647.05	139,904.53
212	1,917.86	1,276.63	641.23	138,627.90
213	1,917.86	1,282.49	635.38	137,345.41
214	1,917.86	1,288.36	629.50	136,057.05
215	1,917.86	1,294.27	623.59	134,762.78
216	1,917.86	1,300.20	617.66	133,462.58
217	1,917.86	1,306.16	611.70	132,156.42
218	1,917.86	1,312.15	605.72	130,844.28
219	1,917.86	1,318.16	599.70	129,526.12
220	1,917.86	1,324.20	593.66	128,201.91
221	1,917.86	1,330.27	587.59	126,871.64
222	1,917.86	1,336.37	581.50	125,535.27
223	1,917.86	1,342.49	575.37	124,192.78
224	1,917.86	1,348.65	569.22	122,844.14
225	1,917.86	1,354.83	563.04	121,489.31
226	1,917.86	1,361.04	556.83	120,128.27
227	1,917.86	1,367.28	550.59	118,761.00
228	1,917.86	1,373.54	544.32	117,387.45
229	1,917.86	1,379.84	538.03	116,007.62
230	1,917.86	1,386.16	531.70	114,621.46
231	1,917.86	1,392.51	525.35	113,228.94
232	1,917.86	1,398.90	518.97	111,830.04
233	1,917.86	1,405.31	512.55	110,424.74
234	1,917.86	1,411.75	506.11	109,012.99
235	1,917.86	1,418.22	499.64	107,594.77
236	1,917.86	1,424.72	493.14	106,170.05
237	1,917.86	1,431.25	486.61	104,738.80
238	1,917.86	1,437.81	480.05	103,300.99
239	1,917.86	1,444.40	473.46	101,856.59
240	1,917.86	1,451.02	466.84	100,405.56
241	1,917.86	1,457.67	460.19	98,947.89
242	1,917.86	1,464.35	453.51	97,483.54
243	1,917.86	1,471.06	446.80	96,012.48
244	1,917.86	1,477.81	440.06	94,534.67
245	1,917.86	1,484.58	433.28	93,050.09
246	1,917.86	1,491.38	426.48	91,558.71
247	1,917.86	1,498.22	419.64	90,060.49
248	1,917.86	1,505.09	412.78	88,555.41
249	1,917.86	1,511.98	405.88	87,043.42
250	1,917.86	1,518.91	398.95	85,524.51
251	1,917.86	1,525.88	391.99	83,998.63
252	1,917.86	1,532.87	384.99	82,465.76
253	1,917.86	1,539.89	377.97	80,925.87
254	1,917.86	1,546.95	370.91	79,378.92
255	1,917.86	1,554.04	363.82	77,824.87
256	1,917.86	1,561.17	356.70	76,263.71
257	1,917.86	1,568.32	349.54	74,695.39
258	1,917.86	1,575.51	342.35	73,119.88
259	1,917.86	1,582.73	335.13	71,537.15
260	1,917.86	1,589.98	327.88	69,947.16
261	1,917.86	1,597.27	320.59	68,349.89
262	1,917.86	1,604.59	313.27	66,745.30
263	1,917.86	1,611.95	305.92	65,133.35
264	1,917.86	1,619.34	298.53	63,514.02
265	1,917.86	1,626.76	291.11	61,887.26
266	1,917.86	1,634.21	283.65	60,253.05
267	1,917.86	1,641.70	276.16	58,611.34
268	1,917.86	1,649.23	268.64	56,962.11
269	1,917.86	1,656.79	261.08	55,305.33
270	1,917.86	1,664.38	253.48	53,640.95
271	1,917.86	1,672.01	245.85	51,968.94
272	1,917.86	1,679.67	238.19	50,289.27
273	1,917.86	1,687.37	230.49	48,601.90
274	1,917.86	1,695.10	222.76	46,906.79
275	1,917.86	1,702.87	214.99	45,203.92
276	1,917.86	1,710.68	207.18	43,493.24
277	1,917.86	1,718.52	199.34	41,774.72
278	1,917.86	1,726.40	191.47	40,048.33
279	1,917.86	1,734.31	183.55	38,314.02
280	1,917.86	1,742.26	175.61	36,571.76
281	1,917.86	1,750.24	167.62	34,821.52
282	1,917.86	1,758.26	159.60	33,063.25
283	1,917.86	1,766.32	151.54	31,296.93
284	1,917.86	1,774.42	143.44	29,522.51
285	1,917.86	1,782.55	135.31	27,739.96
286	1,917.86	1,790.72	127.14	25,949.24
287	1,917.86	1,798.93	118.93	24,150.31
288	1,917.86	1,807.17	110.69	22,343.14
289	1,917.86	1,815.46	102.41	20,527.68
290	1,917.86	1,823.78	94.09	18,703.90
291	1,917.86	1,832.14	85.73	16,871.76
292	1,917.86	1,840.53	77.33	15,031.23
293	1,917.86	1,848.97	68.89	13,182.26
294	1,917.86	1,857.44	60.42	11,324.82
295	1,917.86	1,865.96	51.91	9,458.86
296	1,917.86	1,874.51	43.35	7,584.35
297	1,917.86	1,883.10	34.76	5,701.25
298	1,917.86	1,891.73	26.13	3,809.52
299	1,917.86	1,900.40	17.46	1,909.11
300	1,917.86	1,909.11	8.75	0.00

Comparación

Escenario	Intereses totales	Total pagado
Plan estándar	252,678.74	552,678.74
Su plan	262,330.18	562,330.18

Fórmula

IO: M = P × r; then M = P[r(1+r)^n]/[(1+r)^n−1]

= 9651.44

Nota

Este calendario aplica la fórmula de amortización estándar a las cifras introducidas. Supone una tasa fija, pagos puntuales y ninguna comisión, seguro o cambio de tasa; el extracto de un prestamista real será distinto.

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Preguntas frecuentes

¿Por qué mi pago sube tanto después de que termina el período de solo interés?+

Durante la fase de solo interés no reduces el capital en absoluto, así que cuando comienza la amortización, todo el saldo restante debe pagarse en un plazo más corto que el original — la misma deuda ahora se amortiza en menos años, lo que eleva el pago.

¿Un período de solo interés me ahorra dinero en general?+

No — no reduce el interés total pagado durante la vida del préstamo; solo posterga la reducción de capital, lo que significa que se acumula más interés total porque el saldo se mantiene más alto por más tiempo.

¿Quién suele usar una estructura de préstamo de solo interés?+

Es común entre prestatarios que esperan un aumento de ingresos, un pago único futuro, u horizontes de propiedad cortos — cualquiera que valore pagos más bajos ahora en lugar de reducir el saldo, pero conlleva un riesgo real si el ingreso o los valores no suben como se espera.

¿Qué pasa si hago pagos adicionales durante la fase de solo interés?+

Cualquier pago por encima del monto de solo interés reduce el capital, lo que baja el saldo sobre el cual se calculará después el período de amortización — esta es una forma de suavizar el salto de pago en la conversión.

¿Cómo se calcula el pago después de la conversión?+

Se reamortiza el saldo de capital restante en el plazo restante del préstamo a la tasa actual, lo que explica por qué un plazo restante más corto tras un período largo de solo interés produce un salto mayor en el pago requerido.

Solo interés y luego amortización Calculadora

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