Calculadora de Amortización Anticipada
Simula si amortizar tu préstamo es realmente rentable teniendo en cuenta comisiones, coste de oportunidad y bonificaciones.
Calculadora de Amortización
Resultados
How this financial calculator works
This calculator estimates total savings from early loan repayment, including fees and opportunity cost.
Main benefits
- Compare reducing payment vs reducing term.
- Includes early repayment fees and alternative return.
- Shows net savings for better decisions.
Real financial example
Example: €180,000 mortgage, 3.2% interest, 22 years remaining. An €8,000 early payment can reduce future interest by thousands of euros.
Related tools
You can also use: Compound Interest Calculator · Inflation Calculator
Frequently asked questions
What is better: reducing payment or term?
Reducing term usually saves more interest; reducing payment improves monthly cash flow.
Should I prepay if I have profitable investments?
Compare with opportunity cost: if your net investment return is higher than saved interest, prepaying may be less attractive.