Tools · Loans and mortgages
🏠 Loan and mortgage calculators
Before you sign for a loan, it pays to know what you’ll really pay. Calculate payments, interest and amortization schedules, compare fixed and variable rates, and measure how much debt you can take on prudently.
Choose a tool
Nominal rate to effective annual rate (EAR) converterConvert a nominal rate into an effective annual rate and back, based on compounding.Open tool →Total cost of credit calculatorAdd up interest, insurance, fees and charges: what you really pay.Open tool →Debt consolidation calculatorCompare keeping your debts as they are or combining them into a single loan.Open tool →Loan payment calculatorCalculate your monthly payment, total interest and amortization schedule.Open tool →Mortgage simulatorEstimate your mortgage payment based on price, down payment, rate and term.Open tool →Fixed rate vs. variable rateCompare how much you would pay with a fixed or variable rate under different scenarios.Open tool →Borrowing capacity calculatorFind out what extra payment you could take on without going over a healthy limit.Open tool →How much can I borrow?Starting from the payment you can afford, estimate the maximum loan amount.Open tool →
How to get the most out of them
- Use your real data: account statements, contracts and your budget. The preloaded values are only an example.
- Try scenarios: change the rate, term or amount and watch the result change instantly.
- Read each tool’s explanation and FAQ: they help you interpret the result.
- Always check against the financial institution’s official information before you decide.
Related guides
- Loan and mortgage amortization: what it means for your payment
- How to compare loans: look at the total cost, not just the payment
- What a personal loan is and how it works (no marketing)
- What is the total cost of credit (APR/total cost) in plain language?
- Credit-related insurance: what to ask before accepting
- Mortgages: the basics before you sign (no made-up rates)
- Mortgage down payment: what it involves
- Buying vs. renting a home: what should you weigh up?
- See all Personal finance articles (in Spanish)
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Results are for reference only and are not actual figures. Values depend on the country, the financial institution, taxes and current laws, and must be validated with an authorized financial institution. Banco.guru is an educational guide to what can be achieved; it does not offer products or personalized financial advice.
Última revisión: · Información referencial; valida tu caso con una institución financiera.