Calculadora de Tabla de Amortización
How does mortgage amortization work?
Enter your loan amount, interest rate, and term into the calculator above to generate your complete amortization schedule. It shows the month-by-month breakdown of principal versus interest in each payment, your remaining balance, and cumulative interest paid. Add extra payments to see how they accelerate your payoff.
Amortization FAQ
An amortization schedule is a month-by-month table showing how each mortgage payment is split between principal and interest over the life of your loan. Early payments go mostly toward interest, while later payments go mostly toward principal. Understanding this schedule helps you see how quickly you're building equity.
Extra payments go directly toward reducing your principal balance, which reduces future interest charges. Even an extra $100/month on a $350,000 loan at 7% can save over $60,000 in interest and shave 5+ years off your loan. Use the calculator above to see the exact impact of extra payments on your specific loan.
Interest is calculated on your outstanding balance each month. Since your balance is highest at the start, more of each early payment goes to interest. On a 30-year, $350,000 loan at 7%, your first payment is about $2,329 — but only $290 goes to principal while $2,042 goes to interest. This ratio gradually flips over time.
Biweekly payments (half your monthly payment every two weeks) result in 26 half-payments per year — equivalent to 13 full monthly payments instead of 12. This one extra payment per year can shorten a 30-year mortgage by about 4 years and save tens of thousands in interest.