Calculadora de préstamos

Estima la cuota mensual, el reembolso total y los intereses de un préstamo amortizable.

No se requiere cuenta.

Datos de entrada

%

Resultados

Cuota mensual estimada
101,28 €
Reembolso total
30.384 €
Interés total
15.384 €
Principal
15.000 €
Número de cuotas
300
Balance at term end (est.)
13.584 €
  • Estimated payment uses a 25-year amortization schedule.
  • Illustrative balance after a 5-year mortgage term is shown below.

Las calculadoras de BudgetPilot son solo informativas y educativas. Los resultados son estimaciones y pueden diferir de los cálculos del prestamista por comisiones, seguros, impuestos, reglas de ajuste de tipos, convenciones de capitalización, métodos de cómputo de días y otras condiciones contractuales.

How loans work in Canada

Canadian mortgages distinguish the mortgage term (until renewal) from the amortization period (full payoff timeline). Variable products are commonly linked to a lender’s prime rate plus or minus an adjustment — not directly to the overnight policy rate. Payment estimates use amortization; balance at term end depends on the contract.

Formula used

For equal monthly payments, the calculator uses the standard amortizing-payment formula M = P × r × (1+r)^n / ((1+r)^n − 1), where r is the monthly interest rate (annual rate ÷ 12) and n is the number of payments. At 0% interest, payment equals principal divided by term. The entered rate is an annual interest rate for estimation — not necessarily APR/DAE.

Mortgage term vs amortization

In this market, the monthly payment is based on the amortization period. The mortgage term is the period until renewal; the estimated balance at term end is shown separately.

What this does not include

Fees, insurance, taxes, early repayment rules, promotional periods, and lender-specific compounding conventions are not modeled.

Learn more: How loan interest rates work

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