Calculadora de Préstamos y Cuota Mensual (EMI)

Determine su pago mensual exacto de capital e intereses sobre saldo insoluto, el costo financiero total y la tabla de amortización año por año.

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Equated Monthly Installment (EMI)
$525.05
60 monthly installments at 9.5% p.a.
Loan Principal $25,000.00
Total Interest Payable $6,502.79
Total Repayment (P + I) $31,502.79
Upfront Processing Fee $250.00
Datos del Préstamo
USD is selected by default. Choose INR for Indian numbering (₹ lakhs/crores).
$ / ₹
Total amount borrowed from the bank or NBFC.
% p.a.
Reducing-balance nominal annual rate (0% zero-interest supported).
months
Total monthly installments (up to 50 years; e.g., 300 months = 25 years).
%
One-time lender processing fee as a percentage of principal.
Cuota Mensual y Amortización
Equated Monthly Installment (EMI)
$525.05
60 monthly installments at 9.5% p.a.
Loan Principal
$25,000.00
Total Interest Payable
$6,502.79
Total Repayment (P + I)
$31,502.79
Upfront Processing Fee
$250.00

Annual Principal vs. Interest Repayment

Comparison of principal reduction and interest cost per year
Graph 1 • Annual Principal vs. Interest Repayment Comparison of principal reduction and interest cost per year
0 1.6k 3.2k 4.7k 6.3k Yr 1Yr 2Yr 3Yr 4Yr 5
Graph 2 • Latest Period Component Values Values retain their calculator-defined labels and units.
Principal Repaid 5,988 USD Interest Paid 313 USD
Graph 3 • Monthly Payment vs. Interest Rate Shows the scheduled monthly loan payment across rate assumptions, with other inputs held constant.
0 296.9 593.8 7.5%: 500.95 500.9 7.5% 8.5%: 512.91 512.9 8.5% 9.5%: 525.05 525.0 9.5% 10.5%: 537.35 537.4 10.5% 11.5%: 549.82 549.8 11.5%
Summary: Total principal is $25,000.00 and total interest is $6,502.79.
Summary: For a loan of $25,000.00 at 9.5% annual interest over 60 months (5 years), your monthly EMI is $525.05. Interest accounts for 20.6% ($6,502.79) of the $31,502.79 total repayment.

Fórmula de Amortización Francesa de Cuota Fija

EMI = P × r × (1 + r)n(1 + r)n − 1where r = Annual Rate12 × 100
EMI = P × r × (1 + r)^n / [ (1 + r)^n − 1 ]

Ejemplo Práctico: Préstamo de 1.000.000 al 9,5% anual durante 60 meses

Para un capital de 1.000.000 al 9,5% anual en 60 cuotas mensuales, el pago mensual es de 21.001,86 y el interés total pagado es de 260.111,60.

Preguntas Frecuentes

¿Qué ocurre si la tasa de interés es del 0%?

Cuando la tasa es 0%, el motor divide directamente el capital entre el número de meses (P / n) sin errores de división por cero.