💰 Finance
Calculadoras de préstamo, depreciación, energía y ahorro de combustible
Calculadora de hipoteca, calculadora de EMI — pago mensual, interés total y cronograma de amortización.
Abrir herramienta →Realiza un seguimiento de ingresos vs. gastos
Abrir herramienta →Métodos lineales y de saldo decreciente
Abrir herramienta →Estima facturas de electricidad y gas
Abrir herramienta →Compara costos de combustible entre vehículos
Abrir herramienta →Compara ofertas lado a lado y encuentra el mejor precio por unidad. Calculadora de descuentos gratuita.
Abrir herramienta →Compara productos por precio por unidad de peso o volumen. Encuentra el mejor valor al instante.
Abrir herramienta →Convierte salario entre valores por hora, semana, mes y año.
Abrir herramienta →Calcula interés compuesto con contribuciones mensuales.
Abrir herramienta →Estima el impuesto sobre la renta con tramos progresivos.
Abrir herramienta →Estima el salario neto después de impuestos y deducciones.
Abrir herramienta →Money calculations where seeing the working matters more than getting a number. Loan repayments, compound growth, salary conversions, running costs, and the everyday arithmetic of whether one price is really better than another.
These are informational tools, not advice. They are useful for understanding the shape of a decision — how much of a payment is interest, what a rate change does over twenty years — and they are not a substitute for the figures your lender, employer or tax authority gives you.
Which tool do I want?
| If you… | Use |
|---|---|
| You want repayments and total interest on a loan | Calculadora de préstamo |
| You are projecting savings or investment growth | Calculadora de interés compuesto |
| You need to compare an hourly rate to an annual salary | Calculadora de salario |
| You are working out take-home pay | Calculadora de nómina |
| Two package sizes and you want the real unit price | Calculadora de precio unitario |
| You want the running cost of an appliance or server | Costo de energía |
| You are checking what a discount actually saves | Comparador de descuentos |
| You are planning monthly spending | Planificador de presupuesto |
Compounding frequency changes the answer more than people expect
A "5% annual rate" is not one number. Compounded once a year it returns exactly 5%. Compounded monthly the effective rate is 5.12%; daily, 5.13%. Small differences — until you run them over decades, where they separate meaningfully.
This is why regulators require lenders to quote an effective annual rate alongside the nominal one. The nominal rate tells you what gets applied per period; the effective rate tells you what actually happens over a year, and only the second is comparable between products.
Worth knowing in the other direction too: on a long mortgage, the early payments are overwhelmingly interest, because interest is charged on the balance and the balance has barely moved. That is also why overpaying early is far more effective than overpaying late — every extra unit removes a balance that would otherwise have accrued interest for the entire remaining term.