Calculadora de Empréstimo
Insira o valor do empréstimo, taxa de juros e prazo para ver a parcela mensal, juros totais e uma tabela completa de amortização. Suporta os métodos de parcela fixa e amortização constante.
Monthly payment (first)—
Total payment—
Total interest—
Number of payments—
Principal vs interest split
Principal 50%
Interest 50%
Funcionalidades
Monthly payment calculation
Total interest and total cost
Equal monthly payment (annuity)
Equal principal repayment
Full amortization schedule
Interactive payment chart
Como Usar
1. Insira o valor do empréstimo, a taxa de juros anual e o prazo (anos ou meses).
2. Escolha o método de pagamento: parcela fixa (Price) ou amortização constante (SAC).
3. O resumo é atualizado em tempo real à direita.
4. Clique em 'Mostrar tabela' para ver o detalhamento de cada parcela com principal, juros e saldo devedor.
Perguntas Frequentes
What is the difference between equal monthly payment and equal principal?
Equal monthly payment (annuity) means the same total payment every month — early payments are mostly interest, later ones mostly principal. Equal principal means you pay the same principal every month, so total payments start high and decrease.
Does this account for taxes or insurance?
No. This calculator focuses on principal and interest only. For full mortgage costs, add property tax, insurance, and HOA fees separately.