{"id":15931,"date":"2024-05-16T12:25:27","date_gmt":"2024-05-16T16:25:27","guid":{"rendered":"https:\/\/excelfull.com\/excel\/?p=15931"},"modified":"2024-05-26T12:26:32","modified_gmt":"2024-05-26T16:26:32","slug":"amortizacion-en-excel-plantilla","status":"publish","type":"post","link":"https:\/\/excelfull.com\/excel\/amortizacion-en-excel-plantilla\/","title":{"rendered":"TABLA DE AMORTIZACI\u00d3N: DESCARGA Y DISE\u00d1A TU PROPIA PLANTILLA EN EXCEL"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #136e42;\"><strong><u>DESCARGA LA PLANTILLA Y APRENDE A CREAR Y PERSONALIZAR TU PROPIA TABLA DE AMORTIZACI\u00d3N EN EXCEL\u00a0PARA DESGLOSAR PAGOS, CALCULAR INTERESES Y MONITOREAR SALDOS<\/u><\/strong><\/span><\/p><div id=\"excel-2359367378\" class=\"excel-contenido_3 excel-entity-placement\"><section id=\"temario-blog\" class=\"py-8 bg-white\">\r\n    <div class=\"max-w-4xl mx-auto px-4\">\r\n        <div class=\"relative overflow-hidden bg-slate-900 rounded-[2rem] p-8 md:p-12 shadow-xl\">\r\n            \r\n            <div class=\"absolute top-0 right-0 -translate-y-1\/2 translate-x-1\/2 w-64 h-64 bg-[#136E42] opacity-20 blur-[80px] rounded-full\"><\/div>\r\n            <div class=\"absolute bottom-0 left-0 translate-y-1\/2 -translate-x-1\/2 w-48 h-48 bg-emerald-500 opacity-10 blur-[60px] rounded-full\"><\/div>\r\n\r\n            <div class=\"relative z-10 flex flex-col gap-8\">\r\n                \r\n                <div class=\"text-center\">\r\n                    <div class=\"inline-flex items-center gap-2 bg-white\/10 border border-white\/20 px-3 py-1.5 rounded-full mb-4\">\r\n                        <i class=\"fa-solid fa-file-pdf text-emerald-400 text-xs\"><\/i>\r\n                        <span class=\"text-white text-[9px] font-black uppercase tracking-[0.2em]\">Recurso Gratuito 2026<\/span>\r\n                    <\/div>\r\n                    <h2 class=\"text-2xl md:text-3xl font-extrabold text-white leading-tight mb-3\">\r\n                        \u00bfTe gustar\u00eda dominar <span class=\"text-emerald-400\">Excel como un Pro?<\/span>\r\n                    <\/h2>\r\n                    <p class=\"text-slate-300 text-base font-medium max-w-xl mx-auto\">\r\n                        Suscr\u00edbete para recibir tips exclusivos y descarga el temario completo de nuestro curso profesional en PDF.\r\n                    <\/p>\r\n                <\/div>\r\n\r\n                <div class=\"w-full max-w-md mx-auto bg-white\/5 backdrop-blur-sm border border-white\/10 p-6 rounded-2xl\">\r\n                    \r\n                    <div id=\"form-content-blog\">\r\n                        <form id=\"excel-form-blog\" class=\"space-y-4\">\r\n                            <div>\r\n                                <label for=\"email-blog\" class=\"block text-white\/70 text-[10px] font-bold uppercase tracking-widest mb-2 ml-1\">Tu mejor correo electr\u00f3nico<\/label>\r\n                                <input type=\"email\" id=\"email-blog\" name=\"email\" placeholder=\"ejemplo@correo.com\" required \r\n                                    class=\"w-full bg-white\/10 border border-white\/20 rounded-xl px-4 py-3.5 text-white placeholder:text-slate-500 focus:outline-none focus:ring-2 focus:ring-emerald-500\/50 transition-all text-sm\">\r\n                            <\/div>\r\n                            \r\n                            <button type=\"submit\" id=\"submit-btn-blog\"\r\n                                class=\"w-full bg-[#136E42] hover:bg-emerald-600 text-white py-4 rounded-xl text-xs font-black uppercase tracking-widest transition-all shadow-lg active:scale-95 flex items-center justify-center gap-3\">\r\n                                <span>Descargar Temario y Suscribirme<\/span>\r\n                                <i class=\"fa-solid fa-paper-plane text-[10px]\"><\/i>\r\n                            <\/button>\r\n                        <\/form>\r\n                        <p class=\"text-slate-500 text-[9px] text-center mt-4 font-bold uppercase tracking-widest\">\r\n                            <i class=\"fa-solid fa-shield-halved mr-1\"><\/i> Sin spam. Solo contenido de valor.\r\n                        <\/p>\r\n                    <\/div>\r\n\r\n                    <div id=\"success-message-blog\" class=\"hidden text-center py-4\">\r\n                        <div class=\"w-12 h-12 bg-emerald-500\/20 text-emerald-400 rounded-full flex items-center justify-center mx-auto mb-3 border border-emerald-500\/30\">\r\n                            <i class=\"fa-solid fa-check text-xl\"><\/i>\r\n                        <\/div>\r\n                        <h3 class=\"text-white text-lg font-bold mb-1\">\u00a1Registro completado!<\/h3>\r\n                        <p class=\"text-slate-400 text-xs leading-relaxed\">\r\n                            Revisa tu bandeja de entrada; el temario ya va en camino.\r\n                        <\/p>\r\n                    <\/div>\r\n                <\/div>\r\n\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/section>\r\n\r\n<script>\r\ndocument.getElementById('excel-form-blog').addEventListener('submit', function(e) {\r\n    e.preventDefault();\r\n    const btn = document.getElementById('submit-btn-blog');\r\n    const email = document.getElementById('email-blog').value;\r\n    const btnText = btn.querySelector('span');\r\n    \r\n    btn.disabled = true;\r\n    btn.classList.add('opacity-50', 'cursor-not-allowed');\r\n    btnText.innerText = 'PROCESANDO...';\r\n\r\n    fetch('https:\/\/n8n.george.com.py\/webhook\/registro-excel-full', {\r\n        method: 'POST',\r\n        headers: { 'Content-Type': 'application\/json' },\r\n        body: JSON.stringify({ \r\n            email: email,\r\n            origen: 'descarga_temario_blog'\r\n        })\r\n    })\r\n    .then(response => {\r\n        if(response.ok) {\r\n            \/\/ Empujamos el evento a GTM para medir conversiones desde el blog\r\n            window.dataLayer = window.dataLayer || [];\r\n            window.dataLayer.push({\r\n                event: 'form_blog_success',\r\n                form_name: 'captacion_blog',\r\n                email: email,\r\n                origen: 'descarga_temario_blog'\r\n            });\r\n\r\n            document.getElementById('form-content-blog').classList.add('hidden');\r\n            document.getElementById('success-message-blog').classList.remove('hidden');\r\n        } else {\r\n            throw new Error();\r\n        }\r\n    })\r\n    .catch(error => {\r\n        alert('Hubo un inconveniente. Intenta de nuevo.');\r\n        btn.disabled = false;\r\n        btn.classList.remove('opacity-50', 'cursor-not-allowed');\r\n        btnText.innerText = 'Descargar Temario y Suscribirme';\r\n    });\r\n});\r\n<\/script><\/div>\n<p><strong>Amortizar<\/strong> implica repartir el costo de un pr\u00e9stamo en pagos regulares durante un per\u00edodo de tiempo determinado. Este concepto es fundamental para entender c\u00f3mo funcionan las hipotecas, los pr\u00e9stamos para autom\u00f3viles y otros tipos de financiamiento. En este art\u00edculo, te guiaremos paso a paso a crear una tabla de amortizaci\u00f3n en Excel, utilizando f\u00f3rmulas y funciones que facilitar\u00e1n estos c\u00e1lculos, m\u00e1s una plantilla lista para descargar.<\/p>\n<h2>PASO 1: CONFIGURACI\u00d3N INICIAL<\/h2>\n<p>Antes de empezar con los c\u00e1lculos, necesitamos establecer algunas variables clave:<\/p>\n<ul>\n<li><strong>Monto del pr\u00e9stamo (P):<\/strong> Es fundamental tener en cuenta el importe del pr\u00e9stamo, que representa la suma total proporcionada por la entidad financiera al concedernos un cr\u00e9dito.<\/li>\n<li><strong>Tasa de inter\u00e9s anual (r):<\/strong> Generalmente encontraremos especificada la tasa de inter\u00e9s de forma anual.<\/li>\n<li><strong>N\u00famero total de pagos (n):<\/strong> el n\u00famero de pagos que se desea realizar para cubrir la deuda. Es una pr\u00e1ctica muy com\u00fan establecer una cantidad de pagos mensuales, en bloques anuales: 12, 24, 36, 48, etc.<\/li>\n<li><strong>Frecuencia del pago:<\/strong> anual, semestral, trimestral, mensual, etc.<\/li>\n<\/ul>\n<p><strong>Para este ejemplo, supongamos:<\/strong><\/p>\n<ul>\n<li><strong>Monto del pr\u00e9stamo:<\/strong> $10,000<\/li>\n<li><strong>Tasa de inter\u00e9s anual:<\/strong> 5,50%<\/li>\n<li><strong>Plazo del pr\u00e9stamo:<\/strong> 2 a\u00f1os<\/li>\n<li><strong>Frecuencia de pagos:<\/strong> Mensual<\/li>\n<\/ul>\n<h2>PASO 2: CREAR LA ESTRUCTURA DE LA HOJA DE C\u00c1LCULO<\/h2>\n<h3 style=\"padding-left: 40px;\">1.\u00a0\u00a0 ENCABEZADOS DE LAS COLUMNAS:<\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Cuota<\/li>\n<li>Pago de Inter\u00e9s<\/li>\n<li>Pago de Capital<\/li>\n<li>Saldo pendiente<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-15935 \" src=\"https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-1.png\" alt=\"\" width=\"479\" height=\"181\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"padding-left: 40px;\">2.\u00a0\u00a0 INGRESAR DATOS DEL PR\u00c9STAMO<\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Monto del pr\u00e9stamo: en la celda B3<\/li>\n<li>Tasa de inter\u00e9s anual: en la celda B4<\/li>\n<li>Plazo del pr\u00e9stamo (a\u00f1os): en la celda B5<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-15940\" src=\"https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-5.png\" alt=\"\" width=\"461\" height=\"166\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>PASO 3: C\u00c1LCULO DEL PAGO MENSUAL<\/h2>\n<p>Una vez que tenemos las variables mencionadas, podemos calcular el monto de cada pago mensual utilizando la funci\u00f3n <strong>PAGO<\/strong> de Excel.<\/p>\n<p>Esta funci\u00f3n requiere <strong>tres argumentos obligatorios<\/strong>: la tasa de inter\u00e9s para cada per\u00edodo, el n\u00famero total de pagos y el monto del cr\u00e9dito.<\/p>\n<pre><strong>=PAGO(tasa, n\u00fam_per, va, [vf], [tipo])<\/strong><\/pre>\n<p><strong>donde: <\/strong><\/p>\n<ul>\n<li><strong>tasa:<\/strong> tasa de inter\u00e9s por per\u00edodo. Si la tasa anual es del 5,50%, la tasa mensual ser\u00e1 <strong>5,50%\/12<\/strong>.<\/li>\n<li><strong>n\u00fam_per:<\/strong> n\u00famero total de pagos. Para un pr\u00e9stamo de 2 a\u00f1os con pagos mensuales, ser\u00e1 <strong>2*12<\/strong>.<\/li>\n<li><strong>va:<\/strong> valor actual del pr\u00e9stamo.<\/li>\n<\/ul>\n<p><strong>En nuestro ejemplo:<\/strong><\/p>\n<p><strong>=PAGO(5,50%\/12;24;-10000)<\/strong><\/p>\n<p>Escribe esta f\u00f3rmula en la celda B6 para obtener el pago mensual.<\/p>\n<p>Mira c\u00f3mo se realiza el c\u00e1lculo del pago y la f\u00f3rmula utilizada al tomar los valores de los argumentos de las celdas en la columna B:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-15938\" src=\"https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-3.png\" alt=\"TABLA DE AMORTIZACI\u00d3N: DESCARGA Y DISE\u00d1A TU PROPIA PLANTILLA EN EXCEL\" width=\"458\" height=\"201\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>PASO 4: DESGLOSE DEL PAGO MENSUAL<\/h2>\n<p style=\"padding-left: 40px;\">La tabla de amortizaci\u00f3n en Excel mostrar\u00e1 detalladamente todos los pagos mensuales, brind\u00e1ndonos la informaci\u00f3n precisa sobre la cantidad destinada al pago de intereses y al abono al capital de nuestro pr\u00e9stamo.<\/p>\n<h3 style=\"padding-left: 40px;\">1. INTER\u00c9S DEL PER\u00cdODO<\/h3>\n<p style=\"padding-left: 40px;\">Emplearemos la funci\u00f3n <strong>PAGOINT<\/strong> de Excel para determinar el pago de intereses. Esta funci\u00f3n utiliza los mismos argumentos que la funci\u00f3n PAGO, pero incluye un cuarto argumento para especificar el n\u00famero del per\u00edodo en el que queremos calcular el inter\u00e9s a pagar.<\/p>\n<pre style=\"padding-left: 40px;\"><strong>=PAGOINT(5,50%\/12;1;24;-10000)<\/strong><\/pre>\n<p style=\"padding-left: 40px;\">Compara esta f\u00f3rmula con la funci\u00f3n PAGO de la secci\u00f3n anterior y notar\u00e1s que la \u00fanica diferencia es que el segundo argumento indica el per\u00edodo que deseamos calcular, que en este caso es el primer per\u00edodo.<\/p>\n<p style=\"padding-left: 40px;\">Para obtener el inter\u00e9s a pagar en cada uno de los 24 pagos, podemos implementar una tabla como la siguiente:<\/p>\n<p style=\"padding-left: 40px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-15941\" src=\"https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-6.png\" alt=\"\" width=\"593\" height=\"558\" srcset=\"https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-6.png 781w, https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-6-768x723.png 768w\" sizes=\"auto, (max-width: 593px) 100vw, 593px\" \/><\/p>\n<p style=\"padding-left: 40px;\">La f\u00f3rmula en la celda E2 utiliza las variables de la columna B, y las hemos fijado con referencias absolutas para que no cambien al copiar la f\u00f3rmula hacia abajo. El segundo argumento de la funci\u00f3n PAGOINT se refiere a la columna D, que es donde est\u00e1 ubicado el n\u00famero del per\u00edodo correspondiente.<\/p>\n<h3 style=\"padding-left: 40px;\">2. PAGO DEL CAPITAL<\/h3>\n<p style=\"padding-left: 40px;\">Para calcular el monto abonado al capital de la deuda cada mes, usamos la funci\u00f3n <strong>PAGOPRIN<\/strong> de Excel. La sintaxis de esta funci\u00f3n es casi id\u00e9ntica a la de la funci\u00f3n PAGOINT. Aqu\u00ed tienes un ejemplo de la f\u00f3rmula para obtener el pago al capital en el primer per\u00edodo:<\/p>\n<pre style=\"padding-left: 40px;\"><strong>=PAGOPRIN(5,50%\/12;1;24;-10000)<\/strong><\/pre>\n<p style=\"padding-left: 40px;\">As\u00ed, podremos calcular la parte del pago mensual destinada al capital de nuestra deuda. De manera similar, el segundo argumento de la funci\u00f3n espec\u00edfica el n\u00famero de per\u00edodo para el que estamos haciendo el c\u00e1lculo. A continuaci\u00f3n, se muestra el resultado al incluir esta f\u00f3rmula en nuestra tabla utilizando las variables definidas previamente:<\/p>\n<p style=\"padding-left: 40px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-15942\" src=\"https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-7.png\" alt=\"\" width=\"628\" height=\"493\" srcset=\"https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-7.png 937w, https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-7-768x603.png 768w\" sizes=\"auto, (max-width: 628px) 100vw, 628px\" \/><\/p>\n<p style=\"padding-left: 40px;\">Si observas cuidadosamente, notar\u00e1s que la <em>suma del pago de intereses<\/em> y <em>del pago al capital<\/em> en todos los per\u00edodos coincide con el total calculado mediante la funci\u00f3n <strong>PAGO<\/strong>. Esto demuestra que las tres funciones son complementarias: la suma de los resultados de las funciones PAGOINT y PAGOPRIN siempre igualar\u00e1 al resultado de la funci\u00f3n PAGO.<\/p>\n<h3 style=\"padding-left: 40px;\">3. SALDO PENDIENTE<\/h3>\n<p style=\"padding-left: 40px;\">El saldo representa la cantidad del pr\u00e9stamo menos el total de todos los pagos realizados hacia el capital hasta el momento. Si bien el saldo disminuye con cada pago, esta disminuci\u00f3n no sigue un patr\u00f3n constante, dado que inicialmente abonamos m\u00e1s intereses que al final del per\u00edodo. Sin embargo, en el \u00faltimo pago, liquidamos el monto total del pr\u00e9stamo.<\/p>\n<p style=\"padding-left: 40px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-15943\" src=\"https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-8.png\" alt=\"TABLA DE AMORTIZACI\u00d3N: DESCARGA Y DISE\u00d1A TU PROPIA PLANTILLA EN EXCEL\" width=\"674\" height=\"452\" srcset=\"https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-8.png 1075w, https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-8-1000x671.png 1000w, https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/amort-8-768x515.png 768w\" sizes=\"auto, (max-width: 674px) 100vw, 674px\" \/><\/p>\n<p style=\"padding-left: 40px;\">Esta tabla ilustra c\u00f3mo realizar los c\u00e1lculos de los pagos mensuales, los intereses y el capital de cada per\u00edodo, adem\u00e1s del saldo restante despu\u00e9s de cada pago.<\/p>\n<h2>PASO 6: VALIDACI\u00d3N Y AJUSTE<\/h2>\n<p>Revisa que el saldo pendiente en el \u00faltimo per\u00edodo sea cercano a cero. Debido a redondeos, puede haber una peque\u00f1a discrepancia que puedes ajustar manualmente.<\/p>\n<h2>PLANTILLA DESCARGABLE<\/h2>\n<p>Si deseas simplificar a\u00fan m\u00e1s el proceso de c\u00e1lculo de amortizaci\u00f3n, te invito a descargar nuestra plantilla de amortizaci\u00f3n en Excel. Esta plantilla lista para usar te ayudar\u00e1 a realizar los c\u00e1lculos de forma r\u00e1pida y precisa, permiti\u00e9ndote visualizar f\u00e1cilmente los pagos mensuales, los intereses y el saldo restante.<\/p>\n<blockquote><p>Descarga la plantilla haciendo clic [<strong><a href=\"https:\/\/excelfull.com\/excel\/wp-content\/uploads\/2024\/05\/Amortizacion-simple.xlsx\">aqu\u00ed<\/a><\/strong>] <strong>\u00a1Esperamos que te sea \u00fatil!<\/strong><\/p><\/blockquote>\n<h2>CONCLUSI\u00d3N<\/h2>\n<p>Crear una tabla de amortizaci\u00f3n en Excel es un proceso meticuloso pero muy \u00fatil para entender y gestionar pr\u00e9stamos. Al dominar estas f\u00f3rmulas y funciones, puedes personalizar esta plantilla para adaptarla a diferentes escenarios financieros.<\/p>\n<p>Si te interesa aprender m\u00e1s sobre Excel y sus aplicaciones financieras, no dudes en explorar otros art\u00edculos y recursos que tenemos disponibles. <strong><span style=\"color: #136e42;\">\u00a1Buena suerte con tus c\u00e1lculos!<\/span><\/strong><\/p>\n<hr \/>\n<p><strong><span style=\"color: #136e42;\">\u00bb<\/span> Si te gustan nuestros blogs, comp\u00e1rtelo con tus amigos. Puedes seguirnos en <span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"https:\/\/www.facebook.com\/excelfull7\">Facebook<\/a><\/span> e <span style=\"color: #ff00ff;\"><a style=\"color: #ff00ff;\" href=\"https:\/\/www.instagram.com\/excelfull_oficial\/\">Instagram<\/a>.<\/span><\/strong><\/p>\n<p><strong><span style=\"color: #136e42;\">\u00bb<\/span> D\u00e9janos tu comentario al final de esta p\u00e1gina.<\/strong><\/p>\n<p><strong><span style=\"color: #136e42;\">\u00bb<\/span> Explora m\u00e1s sobre nosotros directo aqu\u00ed: <a href=\"https:\/\/excelfull.com\/\">Curso de Excel Online<\/a><\/strong><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; DESCARGA LA PLANTILLA Y &#8230; <a title=\"TABLA DE AMORTIZACI\u00d3N: DESCARGA Y DISE\u00d1A TU PROPIA PLANTILLA EN EXCEL\" class=\"read-more\" href=\"https:\/\/excelfull.com\/excel\/amortizacion-en-excel-plantilla\/\" aria-label=\"Leer m\u00e1s sobre TABLA DE AMORTIZACI\u00d3N: 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