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Financing Calculator (Brazil)

Work out the instalments of a property or vehicle financing plan in Brazil locally - either the Tabela Price or the SAC system, with no upload.

This calculator gives a non-binding, model-based estimate and is not financial, tax or legal advice. More in the disclaimer
Amortization system
Financed amount
Interest rate per year (%)
Term (years)

Result

R$2,699.18
Payment per period
R$300,000.00
Loan amount
R$647,802.69
Total cost
R$347,802.69
Total interest

Remaining balance

Remaining balance
#Wert
1300000
2294382
3288237
4281515
5274163
6266121
7257325
8247704
9237180
10225669
11213078
12199306
13184242
14167765
15149742
16130029
17108466
1884881
1959083
2030865
210

Year by year

Year by year
YearInterestPrincipalRemaining balance
1R$26,772.00R$5,618.13R$294,381.87
2R$26,244.98R$6,145.15R$288,236.72
3R$25,668.53R$6,721.61R$281,515.11
4R$25,037.99R$7,352.14R$274,162.97
5R$24,348.31R$8,041.82R$266,121.15
6R$23,593.93R$8,796.20R$257,324.95
7R$22,768.79R$9,621.35R$247,703.60
8R$21,866.24R$10,523.89R$237,179.71
9R$20,879.03R$11,511.11R$225,668.60
10R$19,799.21R$12,590.93R$213,077.67
11R$18,618.09R$13,772.05R$199,305.62
12R$17,326.18R$15,063.96R$184,241.67
13R$15,913.07R$16,477.06R$167,764.61
14R$14,367.41R$18,022.72R$149,741.88
15R$12,676.76R$19,713.38R$130,028.50
16R$10,827.50R$21,562.63R$108,465.87
17R$8,804.78R$23,585.35R$84,880.52
18R$6,592.31R$25,797.82R$59,082.70
19R$4,172.30R$28,217.84R$30,864.86
20R$1,525.27R$30,864.86R$0.00

Matches your result

Is my file uploaded?

No. Everything runs in your browser - your file never leaves your device. How this is verifiable

No upload100% local
Your content stays with youno third-party access
Hosted in GermanyGlobal Content Delivery
Independently auditedTLS A+ · HTTP headers A+

In Brazil, property and vehicle financing typically runs under one of two systems: Tabela Price pays a constant instalment across the whole term (like a classic annuity loan); SAC (Sistema de Amortização Constante) repays the same fixed principal slice every month - since interest is charged on the shrinking remaining balance, the total instalment declines month by month, though it starts higher than Price.

Choose the system, enter the financed amount, the annual interest rate and the term in years. The result shows the (first) instalment, the financed amount, total interest and total cost; the balance chart and the year-by-year table make the difference visible - under SAC the balance declines in a straight line (constant yearly amortization), under Price it curves (growing amortization, shrinking interest).

The whole calculation runs entirely locally in your browser in pure JavaScript - amounts are not uploaded and not stored. Real financing contracts (e.g. SFH/Casa Verde e Amarela) can carry extra fees, insurance (seguro habitacional/MIP-DFI) or indexation (TR, IPCA) not modelled here.

Specifications

Specifications
Input formatsForm inputs (no file)
ProcessingLocally in your browser (JavaScript)
File uploadNone

In 3 steps

  1. Choose Price or SAC as the amortization system.
  2. Enter the financed amount.
  3. Enter the annual interest rate and the term in years.
  4. Read off the (first) instalment, total interest and the balance chart.

Limitations: A model-based estimate with a constant annual rate across the whole term. Not modelled: origination fees, home-loan insurance (seguro habitacional/MIP-DFI), TR or IPCA indexation, extra principal payments, or individual bank terms. Under SAC, the stated instalment is the FIRST (highest) one; the year-by-year table shows the exact monthly path. Brazil only. Not financial advice.

FAQ

Are my inputs uploaded?

No. The calculation runs entirely locally in the browser; nothing is sent or stored.

What is the difference between Price and SAC?

Price pays a constant total instalment across the whole term. SAC repays the same principal amount every month, so the instalment starts higher and then steadily declines.

Why does the calculator show only one instalment for SAC?

Because every SAC instalment is different. The FIRST (highest) one is shown; the full month-by-month path is in the year-by-year table and the balance chart.

Which system is cheaper overall?

For identical inputs, SAC pays somewhat less total interest because it amortizes faster - at the cost of a higher starting instalment. Which system fits better depends on the monthly budget.

Does the calculator cover insurance and fees?

No, honestly not: it shows pure interest/amortization math. Real contracts often carry additional insurance (seguro habitacional/MIP-DFI) and fees.

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