Simuladores para Colombia
Planea la compra de tu próximo vehículo
Calcula la cuota, intereses y costo total de financiar un vehículo nuevo o usado en Colombia.
Cuota fija Cálculo local Tasa editable
01 · Simula
¿Cuánto cuesta financiar tu vehículo?
Ajusta el valor, la cuota inicial, el plazo y los seguros.
Pago mensual estimado
Estimado$1.427.417/ mes
El seguro todo riesgo suele ser obligatorio, pero aquí solo se incluye si ingresas su valor.
Resultado informativo. No constituye una oferta, aprobación ni asesoría financiera.
02 · Compara
Compara el crédito por meses
Un plazo mayor reduce la cuota mensual, pero aumenta los intereses totales.
| Plazo | Cuota estimada | Intereses | Total |
|---|---|---|---|
| $5.138.787 | $5.665.446 | $61.665.446 | |
| $2.800.530 | $11.212.727 | $67.212.727 | |
| $2.029.499 | $17.061.946 | $73.061.946 | |
| $1.650.172 | $23.208.257 | $79.208.257 | |
| $1.427.417 | $29.645.026 | $85.645.026 | |
| $1.282.833 | $36.363.985 | $92.363.985 | |
| $1.182.802 | $43.355.401 | $99.355.401 |
Detalle mensualVer tabla de amortización+
| Periodo | Pago | Interés | Capital | Saldo |
|---|---|---|---|---|
| 1 | $1.427.417 | $848.241 | $579.176 | $55.420.824 |
| 2 | $1.427.417 | $839.468 | $587.949 | $54.832.875 |
| 3 | $1.427.417 | $830.562 | $596.855 | $54.236.020 |
| 4 | $1.427.417 | $821.522 | $605.895 | $53.630.125 |
| 5 | $1.427.417 | $812.344 | $615.073 | $53.015.052 |
| 6 | $1.427.417 | $803.027 | $624.390 | $52.390.662 |
| 7 | $1.427.417 | $793.570 | $633.847 | $51.756.815 |
| 8 | $1.427.417 | $783.969 | $643.448 | $51.113.366 |
| 9 | $1.427.417 | $774.222 | $653.195 | $50.460.172 |
| 10 | $1.427.417 | $764.328 | $663.089 | $49.797.083 |
| 11 | $1.427.417 | $754.284 | $673.133 | $49.123.950 |
| 12 | $1.427.417 | $744.088 | $683.329 | $48.440.621 |
| 13 | $1.427.417 | $733.738 | $693.679 | $47.746.942 |
| 14 | $1.427.417 | $723.231 | $704.187 | $47.042.756 |
| 15 | $1.427.417 | $712.564 | $714.853 | $46.327.903 |
| 16 | $1.427.417 | $701.736 | $725.681 | $45.602.222 |
| 17 | $1.427.417 | $690.744 | $736.673 | $44.865.549 |
| 18 | $1.427.417 | $679.586 | $747.831 | $44.117.717 |
| 19 | $1.427.417 | $668.258 | $759.159 | $43.358.559 |
| 20 | $1.427.417 | $656.759 | $770.658 | $42.587.900 |
| 21 | $1.427.417 | $645.086 | $782.331 | $41.805.569 |
| 22 | $1.427.417 | $633.236 | $794.181 | $41.011.388 |
| 23 | $1.427.417 | $621.206 | $806.211 | $40.205.177 |
| 24 | $1.427.417 | $608.994 | $818.423 | $39.386.754 |
| 25 | $1.427.417 | $596.597 | $830.820 | $38.555.934 |
| 26 | $1.427.417 | $584.013 | $843.404 | $37.712.530 |
| 27 | $1.427.417 | $571.238 | $856.179 | $36.856.351 |
| 28 | $1.427.417 | $558.269 | $869.148 | $35.987.203 |
| 29 | $1.427.417 | $545.104 | $882.313 | $35.104.889 |
| 30 | $1.427.417 | $531.739 | $895.678 | $34.209.212 |
| 31 | $1.427.417 | $518.172 | $909.245 | $33.299.967 |
| 32 | $1.427.417 | $504.400 | $923.017 | $32.376.950 |
| 33 | $1.427.417 | $490.419 | $936.998 | $31.439.952 |
| 34 | $1.427.417 | $476.226 | $951.191 | $30.488.760 |
| 35 | $1.427.417 | $461.818 | $965.599 | $29.523.161 |
| 36 | $1.427.417 | $447.192 | $980.225 | $28.542.936 |
| 37 | $1.427.417 | $432.344 | $995.073 | $27.547.864 |
| 38 | $1.427.417 | $417.272 | $1.010.145 | $26.537.719 |
| 39 | $1.427.417 | $401.971 | $1.025.446 | $25.512.273 |
| 40 | $1.427.417 | $386.438 | $1.040.979 | $24.471.294 |
| 41 | $1.427.417 | $370.671 | $1.056.746 | $23.414.547 |
| 42 | $1.427.417 | $354.664 | $1.072.753 | $22.341.794 |
| 43 | $1.427.417 | $338.415 | $1.089.002 | $21.252.792 |
| 44 | $1.427.417 | $321.919 | $1.105.498 | $20.147.294 |
| 45 | $1.427.417 | $305.174 | $1.122.243 | $19.025.051 |
| 46 | $1.427.417 | $288.176 | $1.139.242 | $17.885.810 |
| 47 | $1.427.417 | $270.919 | $1.156.498 | $16.729.312 |
| 48 | $1.427.417 | $253.402 | $1.174.016 | $15.555.296 |
| 49 | $1.427.417 | $235.619 | $1.191.799 | $14.363.498 |
| 50 | $1.427.417 | $217.566 | $1.209.851 | $13.153.647 |
| 51 | $1.427.417 | $199.240 | $1.228.177 | $11.925.470 |
| 52 | $1.427.417 | $180.637 | $1.246.780 | $10.678.690 |
| 53 | $1.427.417 | $161.752 | $1.265.665 | $9.413.025 |
| 54 | $1.427.417 | $142.581 | $1.284.837 | $8.128.188 |
| 55 | $1.427.417 | $123.119 | $1.304.298 | $6.823.890 |
| 56 | $1.427.417 | $103.363 | $1.324.055 | $5.499.836 |
| 57 | $1.427.417 | $83.307 | $1.344.110 | $4.155.726 |
| 58 | $1.427.417 | $62.947 | $1.364.470 | $2.791.256 |
| 59 | $1.427.417 | $42.280 | $1.385.138 | $1.406.118 |
| 60 | $1.427.417 | $21.299 | $1.406.118 | $0 |
03 · Entiende
El precio no es el monto del crédito
Restamos la cuota inicial, calculamos la cuota fija sobre el saldo e incorporamos únicamente los seguros y gastos que indiques.
- 1Calculamos el capital
Valor del activo menos cuota inicial.
- 2Convertimos la tasa
De efectiva anual a efectiva mensual.
- 3Separamos los costos
Capital, intereses, seguros y gastos iniciales.
Alcance del MVP
Qué incluye esta primera versión
¿Qué modalidad calcula?+
Crédito tradicional en pesos con cuota fija. No incluye leasing ni planes con cuota final o balón.
¿Los seguros son automáticos?+
No. Se ingresan manualmente porque dependen de la entidad, la persona y el activo asegurado.
¿Es una aprobación de crédito?+
No. Es una herramienta educativa para comparar escenarios antes de solicitar una oferta formal.