{"id":262,"date":"2026-10-03T06:10:42","date_gmt":"2026-10-03T03:10:42","guid":{"rendered":"https:\/\/wpcalc.com\/es\/?p=262"},"modified":"2026-10-03T06:10:42","modified_gmt":"2026-10-03T03:10:42","slug":"pago-anualidad-diferida","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/es\/finanzas\/pago-anualidad-diferida\/","title":{"rendered":"Calculadora de pago de anualidad diferida"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Calcular pagos de anualidad diferida con intereses<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"262\" data-favorite-title=\"Pago de anualidad diferida\" data-favorite-url=\"https:\/\/wpcalc.com\/es\/finanzas\/pago-anualidad-diferida\/\" data-favorite-excerpt=\"Esta calculadora ayuda a determinar el importe fijo del pago de una anualidad diferida, en la que los pagos comienzan tras un periodo de diferimiento establecido. Es \u00fatil para planificar la jubilaci\u00f3n, evaluar inversiones y entender c\u00f3mo afecta el tiempo al valor de las anualidades.\" aria-label=\"A\u00f1adir a favoritos\" data-favorite-icon=\"icon icon-rate-up\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/es\/finanzas\/pago-anualidad-diferida\/\" method=\"POST\" class=\"calculator\" id=\"calculator-262\" data-post=\"262\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">Valor actual de la anualidad<\/label><div class=\"term\">P<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"valor_actual_de_la_anualidad\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"10000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Valor actual de la anualidad diferida<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Tasa de inter\u00e9s anual<\/label><div class=\"term\">r<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"tasa_de_inters_anual\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Tasa de inter\u00e9s anual utilizada para el descuento<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">N\u00famero de pagos<\/label><div class=\"term\">n<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"nmero_de_pagos\" id=\"field-3\" aria-describedby=\"calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"10\"\/><small id=\"calc-info-3\">N\u00famero total de pagos de la anualidad<\/small><\/div><div class=\"field has-term\" id=\"input-4\"><label for=\"field-4\">Per\u00edodo de diferimiento (a\u00f1os)<\/label><div class=\"term\">d<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"perodo_de_diferimiento_aos\" id=\"field-4\" aria-describedby=\"calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5\"\/><small id=\"calc-info-4\">Cu\u00e1ntos a\u00f1os faltan hasta que comiencen los pagos de la anualidad<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalcular\" id=\"calculate-button\" data-post=\"262\">Calcular<\/button><button type=\"reset\">Restablecer<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calcular autom\u00e1ticamente<\/label><small>Si est\u00e1 activado, el resultado se actualizar\u00e1 autom\u00e1ticamente al cambiar cualquier valor.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Tus resultados<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Pago de anualidad diferida<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Copiar enlace a este c\u00e1lculo<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Dejar un comentario<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"262\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">\u00bfQu\u00e9 te ha parecido este resultado?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Me gusta <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">\u00datil <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Confuso <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Decepcionado <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Inexacto <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<p><style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>F\u00f3rmula del pago de anualidad diferida<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">F\u00f3rmula<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n$$PMT = \\frac{P}{\\left(1 - \\frac{1}{(1 + r)^n}\\right)} \\div (1 + r)^d$$\n<\/div>\r\n\t<\/figure>\r\n\t<br \/>\n<strong>Donde:<\/strong><\/p>\n<ul>\n<li><strong>PMT<\/strong> \u2013 pago peri\u00f3dico<\/li>\n<li><strong>P<\/strong> \u2013 valor presente de la anualidad<\/li>\n<li><strong>r<\/strong> \u2013 tasa de inter\u00e9s por periodo (en decimal)<\/li>\n<li><strong>n<\/strong> \u2013 n\u00famero de periodos de pago<\/li>\n<li><strong>d<\/strong> \u2013 n\u00famero de periodos de diferimiento antes de que comiencen los pagos<\/li>\n<\/ul>\n<p>Esta f\u00f3rmula ajusta el pago de la anualidad descont\u00e1ndolo a lo largo del periodo de diferimiento.<br \/>\r\n<\/section><br \/>\nUna anualidad diferida retrasa los pagos de ingresos, lo que permite que se acumulen intereses antes de que comiencen las distribuciones. Esta calculadora es ideal para estimar ingresos de jubilaci\u00f3n o rendimientos de inversi\u00f3n cuando los pagos comienzan despu\u00e9s de varios a\u00f1os. La f\u00f3rmula tiene en cuenta tanto la duraci\u00f3n de la anualidad como la p\u00e9rdida de valor por el paso del tiempo durante la fase de diferimiento.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Esta calculadora ayuda a determinar el importe fijo del pago de una anualidad diferida, en la que los pagos comienzan tras un periodo de diferimiento establecido. Es \u00fatil para planificar la jubilaci\u00f3n, evaluar inversiones y entender c\u00f3mo afecta el tiempo al valor de las anualidades.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[27],"class_list":["post-262","post","type-post","status-publish","format-standard","hentry","category-finanzas","tag-interes"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/posts\/262","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/comments?post=262"}],"version-history":[{"count":2,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/posts\/262\/revisions"}],"predecessor-version":[{"id":5411,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/posts\/262\/revisions\/5411"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/media?parent=262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/categories?post=262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/tags?post=262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}