{"id":14145,"date":"2025-07-15T13:34:47","date_gmt":"2025-07-15T13:34:47","guid":{"rendered":"https:\/\/functiontranslator.com\/pago\/"},"modified":"2021-02-26T08:56:07","modified_gmt":"2021-02-26T08:56:07","slug":"pmt","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/es\/pmt\/","title":{"rendered":"PAGO"},"content":{"rendered":"

Introducci\u00f3n a la funci\u00f3n PMT (Pago)<\/h2>\n

La funci\u00f3n PMT, conocida como PAGO en espa\u00f1ol en MS Excel, se emplea para calcular el pago peri\u00f3dico necesario para amortizar un pr\u00e9stamo o alcanzar un objetivo de inversi\u00f3n a lo largo del tiempo, considerando una tasa de inter\u00e9s y pagos constantes. Esta funci\u00f3n es de gran utilidad en la planificaci\u00f3n financiera al proporcionar una previsi\u00f3n clara de los pagos que se deben realizar de manera regular.<\/p>\n

Sintaxis y Ejemplos<\/h2>\n

La sintaxis de la funci\u00f3n PAGO en Excel es:<\/p>\n

=PAGO(tasa, nper, va, [vf], [tipo])<\/code><\/pre>\n
    \n
  • tasa<\/strong>: la tasa de inter\u00e9s por per\u00edodo.<\/li>\n
  • nper<\/strong>: el n\u00famero total de per\u00edodos de pago en la anualidad.<\/li>\n
  • va<\/strong>: el valor actual o la suma total que representa el valor actual de una serie de futuros pagos. Tambi\u00e9n se le conoce como el principal.<\/li>\n
  • vf<\/strong> (opcional): el valor futuro, o el saldo que se desea alcanzar despu\u00e9s del \u00faltimo pago. De no especificarse, se asume como 0.<\/li>\n
  • tipo<\/strong> (opcional): indica el momento del pago dentro del per\u00edodo; el n\u00famero 0 se\u00f1ala que es al final del per\u00edodo y el n\u00famero 1 al principio de este.<\/li>\n<\/ul>\n
    Ejemplo:<\/p>\n
    Supongamos que necesitas calcular el pago mensual de un pr\u00e9stamo de 100,000 unidades monetarias con una tasa de inter\u00e9s anual del 7%, y quieres liquidarlo en 10 a\u00f1os.<\/p>\n
    =PAGO(7%\/12, 10*12, 100000)<\/code><\/pre>\n
    En este ejemplo, los pagos se calculan al final de cada mes, dado que no se ha especificado el tipo.<\/p>\n
    Casos pr\u00e1cticos<\/h2>\n
    Se presentan a continuaci\u00f3n dos casos pr\u00e1cticos de la aplicaci\u00f3n de la funci\u00f3n PAGO.<\/p>\n
    1. C\u00e1lculo de cuotas para un veh\u00edculo<\/h2>\n
    Imagina que deseas comprar un auto valorado en 20,000 d\u00f3lares y decides financiar esta compra con un pr\u00e9stamo a 5 a\u00f1os con una tasa de inter\u00e9s anual del 3.5%.<\/p>\n
    Para calcular el pago mensual, usar\u00edas la funci\u00f3n PAGO de la siguiente manera:<\/p>\n
    =PAGO(3.5%\/12, 5*12, 20000)<\/code><\/pre>\n
    Esta f\u00f3rmula te permitir\u00e1 conocer cu\u00e1l ser\u00e1 tu pago mensual para completar el pago del auto en 5 a\u00f1os, considerando el inter\u00e9s aplicado.<\/p>\n
    2. Planificaci\u00f3n de la amortizaci\u00f3n de una hipoteca<\/h2>\n
    Supongamos que adquieres una hipoteca por 250,000 euros a una tasa de inter\u00e9s del 4.5% durante 20 a\u00f1os. Deseas conocer el monto de los pagos mensuales.<\/p>\n
    =PAGO(4.5%\/12, 20*12, 250000)<\/code><\/pre>\n
    Este c\u00e1lculo te mostrar\u00e1 los pagos mensuales que debes realizar para mantener al d\u00eda tu hipoteca bajo las condiciones establecidas.<\/p>\n
    Estos ejemplos demuestran la potencial aplicaci\u00f3n de la funci\u00f3n PAGO en diversos contextos de planificaci\u00f3n financiera, tanto personal como empresarial, facilitando la gesti\u00f3n efectiva y eficiente de deudas.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Devuelve el pago peri\u00f3dico de una anualidad<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[536],"tags":[],"class_list":["post-14145","post","type-post","status-publish","format-standard","hentry","category-finanzas"],"acf":[],"yoast_head":"\nFunci\u00f3n PMT (PAGO) en Excel \u2013 c\u00f3mo funciona, ejemplos y sintaxis<\/title>\n<meta name=\"description\" content=\"Explicaci\u00f3n breve de la funci\u00f3n PMT (PAGO) de Excel. Consulta la sintaxis, par\u00e1metros y ejemplos de uso.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/functiontranslator.com\/es\/pmt\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Funci\u00f3n PMT (PAGO) en Excel \u2013 c\u00f3mo funciona, ejemplos y sintaxis\" \/>\n<meta property=\"og:description\" content=\"Explicaci\u00f3n breve de la funci\u00f3n PMT (PAGO) de Excel. Consulta la sintaxis, par\u00e1metros y ejemplos de uso.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/functiontranslator.com\/es\/pmt\/\" \/>\n<meta property=\"og:site_name\" content=\"Function Translator\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-15T13:34:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-26T08:56:07+00:00\" \/>\n<meta name=\"author\" content=\"glavadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Funci\u00f3n PMT (PAGO) en Excel \u2013 c\u00f3mo funciona, ejemplos y sintaxis\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"glavadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/functiontranslator.com\/es\/pmt\/\",\"url\":\"https:\/\/functiontranslator.com\/es\/pmt\/\",\"name\":\"Funci\u00f3n PMT (PAGO) en Excel \u2013 c\u00f3mo funciona, ejemplos y sintaxis\",\"isPartOf\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\"},\"datePublished\":\"2025-07-15T13:34:47+00:00\",\"dateModified\":\"2021-02-26T08:56:07+00:00\",\"author\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\"},\"description\":\"Explicaci\u00f3n breve de la funci\u00f3n PMT (PAGO) de Excel. Consulta la sintaxis, par\u00e1metros y ejemplos de uso.\",\"breadcrumb\":{\"@id\":\"https:\/\/functiontranslator.com\/es\/pmt\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/functiontranslator.com\/es\/pmt\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/functiontranslator.com\/es\/pmt\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Excel functions\",\"item\":\"https:\/\/functiontranslator.com\/es\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finanzas\",\"item\":\"https:\/\/functiontranslator.com\/es\/finanzas\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"PAGO\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\",\"url\":\"https:\/\/functiontranslator.com\/no\/\",\"name\":\"Function Translator\",\"description\":\"Excel function translator\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/functiontranslator.com\/no\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\",\"name\":\"glavadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"caption\":\"glavadmin\"},\"sameAs\":[\"https:\/\/functiontranslator.com\"],\"url\":\"https:\/\/functiontranslator.com\/es\/author\/glavadmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Funci\u00f3n PMT (PAGO) en Excel \u2013 c\u00f3mo funciona, ejemplos y sintaxis","description":"Explicaci\u00f3n breve de la funci\u00f3n PMT (PAGO) de Excel. Consulta la sintaxis, par\u00e1metros y ejemplos de uso.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/functiontranslator.com\/es\/pmt\/","og_locale":"es_ES","og_type":"article","og_title":"Funci\u00f3n PMT (PAGO) en Excel \u2013 c\u00f3mo funciona, ejemplos y sintaxis","og_description":"Explicaci\u00f3n breve de la funci\u00f3n PMT (PAGO) de Excel. Consulta la sintaxis, par\u00e1metros y ejemplos de uso.","og_url":"https:\/\/functiontranslator.com\/es\/pmt\/","og_site_name":"Function Translator","article_published_time":"2025-07-15T13:34:47+00:00","article_modified_time":"2021-02-26T08:56:07+00:00","author":"glavadmin","twitter_card":"summary_large_image","twitter_title":"Funci\u00f3n PMT (PAGO) en Excel \u2013 c\u00f3mo funciona, ejemplos y sintaxis","twitter_misc":{"Escrito por":"glavadmin","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/functiontranslator.com\/es\/pmt\/","url":"https:\/\/functiontranslator.com\/es\/pmt\/","name":"Funci\u00f3n PMT (PAGO) en Excel \u2013 c\u00f3mo funciona, ejemplos y sintaxis","isPartOf":{"@id":"https:\/\/functiontranslator.com\/no\/#website"},"datePublished":"2025-07-15T13:34:47+00:00","dateModified":"2021-02-26T08:56:07+00:00","author":{"@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389"},"description":"Explicaci\u00f3n breve de la funci\u00f3n PMT (PAGO) de Excel. Consulta la sintaxis, par\u00e1metros y ejemplos de uso.","breadcrumb":{"@id":"https:\/\/functiontranslator.com\/es\/pmt\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/functiontranslator.com\/es\/pmt\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/functiontranslator.com\/es\/pmt\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Excel functions","item":"https:\/\/functiontranslator.com\/es\/"},{"@type":"ListItem","position":2,"name":"Finanzas","item":"https:\/\/functiontranslator.com\/es\/finanzas\/"},{"@type":"ListItem","position":3,"name":"PAGO"}]},{"@type":"WebSite","@id":"https:\/\/functiontranslator.com\/no\/#website","url":"https:\/\/functiontranslator.com\/no\/","name":"Function Translator","description":"Excel function translator","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/functiontranslator.com\/no\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389","name":"glavadmin","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","caption":"glavadmin"},"sameAs":["https:\/\/functiontranslator.com"],"url":"https:\/\/functiontranslator.com\/es\/author\/glavadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/functiontranslator.com\/es\/wp-json\/wp\/v2\/posts\/14145","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/functiontranslator.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/functiontranslator.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/es\/wp-json\/wp\/v2\/comments?post=14145"}],"version-history":[{"count":2,"href":"https:\/\/functiontranslator.com\/es\/wp-json\/wp\/v2\/posts\/14145\/revisions"}],"predecessor-version":[{"id":30236,"href":"https:\/\/functiontranslator.com\/es\/wp-json\/wp\/v2\/posts\/14145\/revisions\/30236"}],"wp:attachment":[{"href":"https:\/\/functiontranslator.com\/es\/wp-json\/wp\/v2\/media?parent=14145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/functiontranslator.com\/es\/wp-json\/wp\/v2\/categories?post=14145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/functiontranslator.com\/es\/wp-json\/wp\/v2\/tags?post=14145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}