{"id":93,"date":"2026-05-13T08:39:04","date_gmt":"2026-05-13T08:39:04","guid":{"rendered":"https:\/\/blog.miradorfinanciero.com\/?post_type=calculadora&#038;p=93"},"modified":"2026-05-13T18:47:35","modified_gmt":"2026-05-13T16:47:35","slug":"calculadora-hipoteca","status":"publish","type":"calculadora","link":"https:\/\/miradorfinanciero.com\/blog\/calculadoras\/calculadora-hipoteca\/","title":{"rendered":"Calculadora de hipoteca: cuota, coste real y amortizaci\u00f3n anticipada"},"content":{"rendered":"\n<style>\n  @import url('https:\/\/fonts.googleapis.com\/css2?family=DM+Serif+Display:ital@0;1&family=DM+Sans:wght@300;400;500;600&display=swap');\n  :root{--noche:#0D1B2A;--mirador:#2E6E8E;--horizonte:#3AAFA9;--destello:#F0C84A;--fondo:#F5F7F9;--blanco:#FFFFFF;--texto:#1a2e3f;--texto-suave:#5a7080;--borde:#dde4ea;--serif:'DM Serif Display',Georgia,serif;--sans:'DM Sans',system-ui,sans-serif;--shadow:0 4px 24px rgba(13,27,42,0.08);--radius:16px;--radius-sm:8px}\n  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4px 14px rgba(240,200,74,.35)}\n  .cta-btn:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(240,200,74,.45)}\n  .disclaimer{font-size:11.5px;color:var(--texto-suave);text-align:center;margin-top:1rem;line-height:1.5}\n<\/style>\n\n<div class=\"calc-wrapper\">\n  <div class=\"calc-header\">\n    <span class=\"calc-label\">Calculadora<\/span>\n    <h1>Hipoteca: cu\u00e1nto pagas<br><em>de verdad<\/em><\/h1>\n    <p>No solo la cuota mensual. El coste total de tu hipoteca a lo largo de toda la vida, con amortizaci\u00f3n anticipada incluida.<\/p>\n  <\/div>\n\n  <div class=\"calc-grid\">\n    <div class=\"panel\">\n      <div class=\"panel-title\">Tu hipoteca<\/div>\n      <div class=\"field\">\n        <label>Importe del pr\u00e9stamo<\/label>\n        <div class=\"input-wrap\">\n          <input type=\"number\" id=\"mf-capital\" value=\"200000\" min=\"10000\" max=\"2000000\" step=\"1000\">\n          <span class=\"input-unit\">\u20ac<\/span>\n        <\/div>\n        <div class=\"slider-wrap\">\n          <input type=\"range\" id=\"mf-capitalSlider\" min=\"50000\" max=\"800000\" step=\"5000\" value=\"200000\">\n          <div class=\"slider-labels\"><span>50.000 \u20ac<\/span><span>800.000 \u20ac<\/span><\/div>\n        <\/div>\n      <\/div>\n      <div class=\"field\">\n        <label>Plazo<\/label>\n        <div class=\"input-wrap\">\n          <input type=\"number\" id=\"mf-plazo\" value=\"30\" min=\"5\" max=\"40\" step=\"1\">\n          <span class=\"input-unit\">a\u00f1os<\/span>\n        <\/div>\n        <div class=\"slider-wrap\">\n          <input type=\"range\" id=\"mf-plazoSlider\" min=\"5\" max=\"40\" step=\"1\" value=\"30\">\n          <div class=\"slider-labels\"><span>5 a\u00f1os<\/span><span>40 a\u00f1os<\/span><\/div>\n        <\/div>\n      <\/div>\n      <div class=\"field\">\n        <label>Tipo de inter\u00e9s (TIN)<\/label>\n        <div class=\"input-wrap\">\n          <input type=\"number\" id=\"mf-tin\" value=\"3.5\" min=\"0.1\" max=\"15\" step=\"0.05\">\n          <span class=\"input-unit\">%<\/span>\n        <\/div>\n        <div class=\"slider-wrap\">\n          <input type=\"range\" id=\"mf-tinSlider\" min=\"0.5\" max=\"8\" step=\"0.05\" value=\"3.5\">\n          <div class=\"slider-labels\"><span>0,5%<\/span><span>8%<\/span><\/div>\n        <\/div>\n        <div class=\"field-hint\">Media hipotecas fijas Espa\u00f1a (may. 2025): ~3,2%<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"panel\">\n      <div class=\"panel-title\">Gastos asociados<\/div>\n      <div class=\"field\">\n        <label>Tasaci\u00f3n<\/label>\n        <div class=\"input-wrap\">\n          <input type=\"number\" id=\"mf-tasacion\" value=\"400\" min=\"0\" step=\"50\">\n          <span class=\"input-unit\">\u20ac<\/span>\n        <\/div>\n        <div class=\"field-hint\">Habitual: 300\u2013600 \u20ac<\/div>\n      <\/div>\n      <div class=\"field\">\n        <label>Notar\u00eda y registro<\/label>\n        <div class=\"input-wrap\">\n          <input type=\"number\" id=\"mf-notaria\" value=\"1200\" min=\"0\" step=\"100\">\n          <span class=\"input-unit\">\u20ac<\/span>\n        <\/div>\n        <div class=\"field-hint\">Habitual: 800\u20131.500 \u20ac<\/div>\n      <\/div>\n      <div class=\"field\">\n        <label>Comisi\u00f3n de apertura<\/label>\n        <div class=\"input-wrap\">\n          <input type=\"number\" id=\"mf-comisionApertura\" value=\"0\" min=\"0\" max=\"5\" step=\"0.1\">\n          <span class=\"input-unit\">%<\/span>\n        <\/div>\n        <div class=\"field-hint\">Muchos bancos ya no la cobran<\/div>\n      <\/div>\n      <div class=\"field\">\n        <label>Comisi\u00f3n amort. anticipada<\/label>\n        <div class=\"input-wrap\">\n          <input type=\"number\" id=\"mf-comisionAmort\" value=\"0.25\" min=\"0\" max=\"5\" step=\"0.05\">\n          <span class=\"input-unit\">%<\/span>\n        <\/div>\n        <div class=\"field-hint\">M\u00e1x. legal: 0,25% primeros 3 a\u00f1os \/ 0% despu\u00e9s<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"results-bar\">\n    <div class=\"result-card accent\">\n      <div class=\"result-label\">Cuota mensual<\/div>\n      <div class=\"result-value\" id=\"mf-res-cuota\">\u2014<\/div>\n      <div class=\"result-sub\">sistema franc\u00e9s<\/div>\n    <\/div>\n    <div class=\"result-card warning\">\n      <div class=\"result-label\">Total intereses<\/div>\n      <div class=\"result-value warning\" id=\"mf-res-intereses\">\u2014<\/div>\n      <div class=\"result-sub\">sobre el capital prestado<\/div>\n    <\/div>\n    <div class=\"result-card\">\n      <div class=\"result-label\">Coste total<\/div>\n      <div class=\"result-value\" id=\"mf-res-total\">\u2014<\/div>\n      <div class=\"result-sub\">capital + intereses + gastos<\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"coste-real\">\n    <div class=\"coste-real-title\">El coste real de tu hipoteca<\/div>\n    <div class=\"coste-real-sub\">Lo que los bancos no ponen en el titular<\/div>\n    <div class=\"coste-real-grid\">\n      <div class=\"coste-item\">\n        <div class=\"coste-item-label\">Por cada \u20ac prestado, pagas<\/div>\n        <div class=\"coste-item-value destello\" id=\"mf-cr-multiplicador\">\u2014<\/div>\n      <\/div>\n      <div class=\"coste-item\">\n        <div class=\"coste-item-label\">Intereses en los 5 primeros a\u00f1os<\/div>\n        <div class=\"coste-item-value rojo\" id=\"mf-cr-int5\">\u2014<\/div>\n      <\/div>\n      <div class=\"coste-item\">\n        <div class=\"coste-item-label\">Capital amortizado en 5 a\u00f1os<\/div>\n        <div class=\"coste-item-value verde\" id=\"mf-cr-cap5\">\u2014<\/div>\n      <\/div>\n    <\/div>\n    <hr class=\"coste-divider\">\n    <div class=\"coste-real-grid\">\n      <div class=\"coste-item\">\n        <div class=\"coste-item-label\">TAE efectiva<\/div>\n        <div class=\"coste-item-value destello\" id=\"mf-cr-tae\">\u2014<\/div>\n      <\/div>\n      <div class=\"coste-item\">\n        <div class=\"coste-item-label\">% del pr\u00e9stamo que son intereses<\/div>\n        <div class=\"coste-item-value rojo\" id=\"mf-cr-pct-int\">\u2014<\/div>\n      <\/div>\n      <div class=\"coste-item\">\n        <div class=\"coste-item-label\">Gastos iniciales totales<\/div>\n        <div class=\"coste-item-value\" style=\"color:rgba(245,247,249,0.8)\" id=\"mf-cr-gastos\">\u2014<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"amort-section\">\n    <div class=\"amort-toggle\" id=\"mf-amortToggle\">\n      <div class=\"amort-toggle-icon\">\u26a1<\/div>\n      <div class=\"amort-toggle-text\">\n        <div class=\"amort-toggle-title\">Simular amortizaci\u00f3n anticipada<\/div>\n        <div class=\"amort-toggle-desc\">\u00bfCu\u00e1nto ahorras si adelantas capital en distintos a\u00f1os?<\/div>\n      <\/div>\n      <div class=\"amort-toggle-chevron\">\u25bc<\/div>\n    <\/div>\n    <div class=\"amort-body\" id=\"mf-amortBody\">\n      <div class=\"amort-entries\" id=\"mf-amortEntries\"><\/div>\n      <button class=\"btn-add\" id=\"mf-btnAddAmort\">+ A\u00f1adir amortizaci\u00f3n<\/button>\n    <\/div>\n  <\/div>\n\n  <div class=\"comparativa\" id=\"mf-comparativa\">\n    <div class=\"comparativa-title\">Sin amortizaci\u00f3n vs. con tu estrategia<\/div>\n    <div class=\"comparativa-grid\">\n      <div class=\"comp-col\">\n        <div class=\"comp-col-title\">Sin amortizaci\u00f3n anticipada<\/div>\n        <div class=\"comp-row\"><span class=\"comp-row-label\">Cuota mensual<\/span><span class=\"comp-row-value\" id=\"mf-comp-sin-cuota\">\u2014<\/span><\/div>\n        <div class=\"comp-row\"><span class=\"comp-row-label\">Total intereses<\/span><span class=\"comp-row-value\" id=\"mf-comp-sin-int\">\u2014<\/span><\/div>\n        <div class=\"comp-row\"><span class=\"comp-row-label\">Plazo real<\/span><span class=\"comp-row-value\" id=\"mf-comp-sin-plazo\">\u2014<\/span><\/div>\n        <div class=\"comp-row\"><span class=\"comp-row-label\">Coste total<\/span><span class=\"comp-row-value\" id=\"mf-comp-sin-total\">\u2014<\/span><\/div>\n      <\/div>\n      <div class=\"comp-col highlight\">\n        <div class=\"comp-col-title\">Con tu amortizaci\u00f3n<\/div>\n        <div class=\"comp-row\"><span class=\"comp-row-label\">Cuota mensual<\/span><span class=\"comp-row-value\" id=\"mf-comp-con-cuota\">\u2014<\/span><\/div>\n        <div class=\"comp-row\"><span class=\"comp-row-label\">Total intereses<\/span><span class=\"comp-row-value green\" id=\"mf-comp-con-int\">\u2014<\/span><\/div>\n        <div class=\"comp-row\"><span class=\"comp-row-label\">Plazo real<\/span><span class=\"comp-row-value green\" id=\"mf-comp-con-plazo\">\u2014<\/span><\/div>\n        <div class=\"comp-row\"><span class=\"comp-row-label\">Coste total<\/span><span class=\"comp-row-value green\" id=\"mf-comp-con-total\">\u2014<\/span><\/div>\n      <\/div>\n    <\/div>\n    <div class=\"ahorro-banner\">\n      <div class=\"ahorro-banner-text\">Ahorro total con tu estrategia de amortizaci\u00f3n<\/div>\n      <div class=\"ahorro-banner-value\" id=\"mf-ahorro-total\">\u2014<\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"tabla-section\">\n    <div class=\"tabla-header\">\n      <div class=\"tabla-title\">Tabla de amortizaci\u00f3n anual<\/div>\n      <button class=\"tabla-toggle-btn\" id=\"mf-tablaToggleBtn\">Ver tabla \u25bc<\/button>\n    <\/div>\n    <div class=\"tabla-wrap\" id=\"mf-tablaWrap\">\n      <table>\n        <thead>\n          <tr>\n            <th>A\u00f1o<\/th>\n            <th class=\"num\">Cuota anual<\/th>\n            <th class=\"num\">Capital amort.<\/th>\n            <th class=\"num\">Intereses<\/th>\n            <th class=\"num\">Amort. extra<\/th>\n            <th class=\"num\">Capital pendiente<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody id=\"mf-tablaBody\"><\/tbody>\n      <\/table>\n      <div class=\"tabla-paginator\">\n        <span id=\"mf-tablaPagInfo\"><\/span>\n        <div class=\"tabla-btns\">\n          <button class=\"tabla-btn\" id=\"mf-btnPrev\">\u2190 Anterior<\/button>\n          <button class=\"tabla-btn\" id=\"mf-btnNext\">Siguiente \u2192<\/button>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"cta-block\">\n    <div class=\"cta-text\">\n      <h3>El c\u00e1lculo es este.<\/h3>\n      <p>\u00bfCu\u00e1nta hipoteca puedes permitirte t\u00fa? En Mirador lo calculamos con tus ingresos y gastos reales.<\/p>\n    <\/div>\n    <a href=\"https:\/\/app.miradorfinanciero.com\/calculadoras\/hipoteca\" class=\"cta-btn\">Prueba Mirador gratis \u2192<\/a>\n  <\/div>\n\n  <div class=\"disclaimer\">\n    C\u00e1lculo orientativo basado en el sistema de amortizaci\u00f3n franc\u00e9s (cuota constante). No constituye asesoramiento financiero. Consulta siempre las condiciones espec\u00edficas de tu entidad bancaria.\n  <\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Calcula la cuota mensual de tu hipoteca, el coste total real y el ahorro con amortizaci\u00f3n anticipada. La calculadora m\u00e1s completa para hipotecas en Espa\u00f1a.<\/p>\n","protected":false},"author":1,"featured_media":0,"template":"","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-93","calculadora","type-calculadora","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/miradorfinanciero.com\/blog\/wp-json\/wp\/v2\/calculadora\/93","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/miradorfinanciero.com\/blog\/wp-json\/wp\/v2\/calculadora"}],"about":[{"href":"https:\/\/miradorfinanciero.com\/blog\/wp-json\/wp\/v2\/types\/calculadora"}],"author":[{"embeddable":true,"href":"https:\/\/miradorfinanciero.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"version-history":[{"count":7,"href":"https:\/\/miradorfinanciero.com\/blog\/wp-json\/wp\/v2\/calculadora\/93\/revisions"}],"predecessor-version":[{"id":147,"href":"https:\/\/miradorfinanciero.com\/blog\/wp-json\/wp\/v2\/calculadora\/93\/revisions\/147"}],"wp:attachment":[{"href":"https:\/\/miradorfinanciero.com\/blog\/wp-json\/wp\/v2\/media?parent=93"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/miradorfinanciero.com\/blog\/wp-json\/wp\/v2\/categories?post=93"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/miradorfinanciero.com\/blog\/wp-json\/wp\/v2\/tags?post=93"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}