Loan calculators

Five free calculators before you sign anything

The calculators above are planning tools. The loan-cost calculator assumes equal monthly payments from the annual rate you enter; it does not recreate a lender's CAT or contract. No sign-up and no Buró de Crédito check.

Before comparing offers in personal loans, online loans or credit cards, knowing how much you can pay per month matters — the working rule is to stay under 35% of net income across all loan installments. A five-second payment simulation beats any generic advice.

What each calculator decides

• How much you can borrow — a reference based on income, existing debt and the annual rate you enter. Run it before looking at offers in CDMX or Monterrey.
• Monthly payment + total cost — estimates equal payments from the amount, term and annual rate you enter. It does not treat CAT as a nominal rate.
• Consolidation — bundles up to six debts and estimates the change if you move them into one consolidation loan. A lower payment does not guarantee a lower total cost; compare rate, term and fees.
• Early repayment — what happens if you pay extra to principal. Most SOFOMs charge no penalty; with traditional banks read the contract.
• Buró score simulator — five-factor model (35% on-time payments, 30% utilization, 15% age of accounts, 10% mix, 10% inquiries). Cross-check with the full simulator.

After you calculate

Once the number is clear, move on to bank-vs-bank comparisons — BBVA vs Banorte, Santander vs HSBC, Nu vs BBVA — or read the editorial guides to understand CAT, Buró and SOFOMs before signing. If you need the basics first, the financial glossary has 30 plain-language definitions.