Loan calculators

Five free calculators before you sign anything

The five calculators above return the same numbers any Mexican bank uses in its own simulator — monthly payment, estimated CAT, total cost with fees, savings from debt consolidation, and a Buró score simulation. No sign-up, no Buró de Crédito impact, and figures consistent with what CONDUSEF publishes as a reference.

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 — realistic ceiling based on income, existing debt, and the product's average CAT. Run it before looking at offers in CDMX or Monterrey.
• Monthly payment + total cost — turns amount + term + CAT into a final number, including the opening fee where it applies.
• Consolidation — bundles up to six debts and shows real savings if you move them into a single consolidation loan. Caveat: the effective CAT only drops if you shorten the term at the same time.
• 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.