Veja como cada parcela se divide entre juros e principal e como pagamentos extras reduzem o prazo do empréstimo.
Pagamento mensal
$1.529,99
Total de 180 pagamentos
$275.397,58
Juros totais
$75.397,58
Pagamento final
$1.529,11
Data de quitação
nov 2041
Principal e juros
Principal 72,6%
Juros 27,4%
Saldo devedor ao longo do tempo
Os resultados são estimativas e não constituem aconselhamento financeiro.
Cronograma de amortização
Ano
Juros
Principal
Saldo final
2026
$750,00
$779,99
$199.220,01
2027
$8.768,69
$9.591,19
$189.628,82
2028
$8.328,08
$10.031,80
$179.597,02
2029
$7.867,21
$10.492,67
$169.104,35
2030
$7.385,18
$10.974,70
$158.129,65
2031
$6.881,01
$11.478,87
$146.650,78
2032
$6.353,67
$12.006,21
$134.644,57
2033
$5.802,09
$12.557,79
$122.086,78
2034
$5.225,19
$13.134,69
$108.952,09
2035
$4.621,79
$13.738,09
$95.214,00
2036
$3.990,66
$14.369,22
$80.844,78
2037
$3.330,55
$15.029,33
$65.815,45
2038
$2.640,11
$15.719,77
$50.095,68
2039
$1.917,94
$16.441,94
$33.653,74
2040
$1.162,60
$17.197,28
$16.456,46
2041
$372,55
$16.456,46
$0,00
Mês
Juros
Principal
Saldo final
dez 2026
$750,00
$779,99
$199.220,01
jan 2027
$747,08
$782,91
$198.437,10
fev 2027
$744,14
$785,85
$197.651,25
mar 2027
$741,19
$788,80
$196.862,45
abr 2027
$738,23
$791,76
$196.070,69
mai 2027
$735,27
$794,72
$195.275,97
jun 2027
$732,28
$797,71
$194.478,26
jul 2027
$729,29
$800,70
$193.677,56
ago 2027
$726,29
$803,70
$192.873,86
set 2027
$723,28
$806,71
$192.067,15
out 2027
$720,25
$809,74
$191.257,41
nov 2027
$717,22
$812,77
$190.444,64
dez 2027
$714,17
$815,82
$189.628,82
jan 2028
$711,11
$818,88
$188.809,94
fev 2028
$708,04
$821,95
$187.987,99
mar 2028
$704,95
$825,04
$187.162,95
abr 2028
$701,86
$828,13
$186.334,82
mai 2028
$698,76
$831,23
$185.503,59
jun 2028
$695,64
$834,35
$184.669,24
jul 2028
$692,51
$837,48
$183.831,76
ago 2028
$689,37
$840,62
$182.991,14
set 2028
$686,22
$843,77
$182.147,37
out 2028
$683,05
$846,94
$181.300,43
nov 2028
$679,88
$850,11
$180.450,32
dez 2028
$676,69
$853,30
$179.597,02
jan 2029
$673,49
$856,50
$178.740,52
fev 2029
$670,28
$859,71
$177.880,81
mar 2029
$667,05
$862,94
$177.017,87
abr 2029
$663,82
$866,17
$176.151,70
mai 2029
$660,57
$869,42
$175.282,28
jun 2029
$657,31
$872,68
$174.409,60
jul 2029
$654,04
$875,95
$173.533,65
ago 2029
$650,75
$879,24
$172.654,41
set 2029
$647,45
$882,54
$171.771,87
out 2029
$644,14
$885,85
$170.886,02
nov 2029
$640,82
$889,17
$169.996,85
dez 2029
$637,49
$892,50
$169.104,35
jan 2030
$634,14
$895,85
$168.208,50
fev 2030
$630,78
$899,21
$167.309,29
mar 2030
$627,41
$902,58
$166.406,71
abr 2030
$624,03
$905,96
$165.500,75
mai 2030
$620,63
$909,36
$164.591,39
jun 2030
$617,22
$912,77
$163.678,62
jul 2030
$613,79
$916,20
$162.762,42
ago 2030
$610,36
$919,63
$161.842,79
set 2030
$606,91
$923,08
$160.919,71
out 2030
$603,45
$926,54
$159.993,17
nov 2030
$599,97
$930,02
$159.063,15
dez 2030
$596,49
$933,50
$158.129,65
jan 2031
$592,99
$937,00
$157.192,65
fev 2031
$589,47
$940,52
$156.252,13
mar 2031
$585,95
$944,04
$155.308,09
abr 2031
$582,41
$947,58
$154.360,51
mai 2031
$578,85
$951,14
$153.409,37
jun 2031
$575,29
$954,70
$152.454,67
jul 2031
$571,71
$958,28
$151.496,39
ago 2031
$568,11
$961,88
$150.534,51
set 2031
$564,50
$965,49
$149.569,02
out 2031
$560,88
$969,11
$148.599,91
nov 2031
$557,25
$972,74
$147.627,17
dez 2031
$553,60
$976,39
$146.650,78
jan 2032
$549,94
$980,05
$145.670,73
fev 2032
$546,27
$983,72
$144.687,01
mar 2032
$542,58
$987,41
$143.699,60
abr 2032
$538,87
$991,12
$142.708,48
mai 2032
$535,16
$994,83
$141.713,65
jun 2032
$531,43
$998,56
$140.715,09
jul 2032
$527,68
$1.002,31
$139.712,78
ago 2032
$523,92
$1.006,07
$138.706,71
set 2032
$520,15
$1.009,84
$137.696,87
out 2032
$516,36
$1.013,63
$136.683,24
nov 2032
$512,56
$1.017,43
$135.665,81
dez 2032
$508,75
$1.021,24
$134.644,57
jan 2033
$504,92
$1.025,07
$133.619,50
fev 2033
$501,07
$1.028,92
$132.590,58
mar 2033
$497,21
$1.032,78
$131.557,80
abr 2033
$493,34
$1.036,65
$130.521,15
mai 2033
$489,45
$1.040,54
$129.480,61
jun 2033
$485,55
$1.044,44
$128.436,17
jul 2033
$481,64
$1.048,35
$127.387,82
ago 2033
$477,70
$1.052,29
$126.335,53
set 2033
$473,76
$1.056,23
$125.279,30
out 2033
$469,80
$1.060,19
$124.219,11
nov 2033
$465,82
$1.064,17
$123.154,94
dez 2033
$461,83
$1.068,16
$122.086,78
jan 2034
$457,83
$1.072,16
$121.014,62
fev 2034
$453,80
$1.076,19
$119.938,43
mar 2034
$449,77
$1.080,22
$118.858,21
abr 2034
$445,72
$1.084,27
$117.773,94
mai 2034
$441,65
$1.088,34
$116.685,60
jun 2034
$437,57
$1.092,42
$115.593,18
jul 2034
$433,47
$1.096,52
$114.496,66
ago 2034
$429,36
$1.100,63
$113.396,03
set 2034
$425,24
$1.104,75
$112.291,28
out 2034
$421,09
$1.108,90
$111.182,38
nov 2034
$416,93
$1.113,06
$110.069,32
dez 2034
$412,76
$1.117,23
$108.952,09
jan 2035
$408,57
$1.121,42
$107.830,67
fev 2035
$404,37
$1.125,62
$106.705,05
mar 2035
$400,14
$1.129,85
$105.575,20
abr 2035
$395,91
$1.134,08
$104.441,12
mai 2035
$391,65
$1.138,34
$103.302,78
jun 2035
$387,39
$1.142,60
$102.160,18
jul 2035
$383,10
$1.146,89
$101.013,29
ago 2035
$378,80
$1.151,19
$99.862,10
set 2035
$374,48
$1.155,51
$98.706,59
out 2035
$370,15
$1.159,84
$97.546,75
nov 2035
$365,80
$1.164,19
$96.382,56
dez 2035
$361,43
$1.168,56
$95.214,00
jan 2036
$357,05
$1.172,94
$94.041,06
fev 2036
$352,65
$1.177,34
$92.863,72
mar 2036
$348,24
$1.181,75
$91.681,97
abr 2036
$343,81
$1.186,18
$90.495,79
mai 2036
$339,36
$1.190,63
$89.305,16
jun 2036
$334,89
$1.195,10
$88.110,06
jul 2036
$330,41
$1.199,58
$86.910,48
ago 2036
$325,91
$1.204,08
$85.706,40
set 2036
$321,40
$1.208,59
$84.497,81
out 2036
$316,87
$1.213,12
$83.284,69
nov 2036
$312,32
$1.217,67
$82.067,02
dez 2036
$307,75
$1.222,24
$80.844,78
jan 2037
$303,17
$1.226,82
$79.617,96
fev 2037
$298,57
$1.231,42
$78.386,54
mar 2037
$293,95
$1.236,04
$77.150,50
abr 2037
$289,31
$1.240,68
$75.909,82
mai 2037
$284,66
$1.245,33
$74.664,49
jun 2037
$279,99
$1.250,00
$73.414,49
jul 2037
$275,30
$1.254,69
$72.159,80
ago 2037
$270,60
$1.259,39
$70.900,41
set 2037
$265,88
$1.264,11
$69.636,30
out 2037
$261,14
$1.268,85
$68.367,45
nov 2037
$256,38
$1.273,61
$67.093,84
dez 2037
$251,60
$1.278,39
$65.815,45
jan 2038
$246,81
$1.283,18
$64.532,27
fev 2038
$242,00
$1.287,99
$63.244,28
mar 2038
$237,17
$1.292,82
$61.951,46
abr 2038
$232,32
$1.297,67
$60.653,79
mai 2038
$227,45
$1.302,54
$59.351,25
jun 2038
$222,57
$1.307,42
$58.043,83
jul 2038
$217,66
$1.312,33
$56.731,50
ago 2038
$212,74
$1.317,25
$55.414,25
set 2038
$207,80
$1.322,19
$54.092,06
out 2038
$202,85
$1.327,14
$52.764,92
nov 2038
$197,87
$1.332,12
$51.432,80
dez 2038
$192,87
$1.337,12
$50.095,68
jan 2039
$187,86
$1.342,13
$48.753,55
fev 2039
$182,83
$1.347,16
$47.406,39
mar 2039
$177,77
$1.352,22
$46.054,17
abr 2039
$172,70
$1.357,29
$44.696,88
mai 2039
$167,61
$1.362,38
$43.334,50
jun 2039
$162,50
$1.367,49
$41.967,01
jul 2039
$157,38
$1.372,61
$40.594,40
ago 2039
$152,23
$1.377,76
$39.216,64
set 2039
$147,06
$1.382,93
$37.833,71
out 2039
$141,88
$1.388,11
$36.445,60
nov 2039
$136,67
$1.393,32
$35.052,28
dez 2039
$131,45
$1.398,54
$33.653,74
jan 2040
$126,20
$1.403,79
$32.249,95
fev 2040
$120,94
$1.409,05
$30.840,90
mar 2040
$115,65
$1.414,34
$29.426,56
abr 2040
$110,35
$1.419,64
$28.006,92
mai 2040
$105,03
$1.424,96
$26.581,96
jun 2040
$99,68
$1.430,31
$25.151,65
jul 2040
$94,32
$1.435,67
$23.715,98
ago 2040
$88,93
$1.441,06
$22.274,92
set 2040
$83,53
$1.446,46
$20.828,46
out 2040
$78,11
$1.451,88
$19.376,58
nov 2040
$72,66
$1.457,33
$17.919,25
dez 2040
$67,20
$1.462,79
$16.456,46
jan 2041
$61,71
$1.468,28
$14.988,18
fev 2041
$56,21
$1.473,78
$13.514,40
mar 2041
$50,68
$1.479,31
$12.035,09
abr 2041
$45,13
$1.484,86
$10.550,23
mai 2041
$39,56
$1.490,43
$9.059,80
jun 2041
$33,97
$1.496,02
$7.563,78
jul 2041
$28,36
$1.501,63
$6.062,15
ago 2041
$22,73
$1.507,26
$4.554,89
set 2041
$17,08
$1.512,91
$3.041,98
out 2041
$11,41
$1.518,58
$1.523,40
nov 2041
$5,71
$1.523,40
$0,00
Sobre a calculadora de amortização
Amortização significa quitar uma dívida em parcelas programadas. Com um empréstimo de taxa fixa, a parcela nunca muda, mas sua composição muda: no início, a maior parte é juros e, com o tempo, cada vez mais vai para o principal.
O cronograma mostra cada pagamento para que você veja exatamente quanto paga de juros em cada ano. Adicionar um pagamento mensal extra reduz o saldo mais rápido, de modo que os meses seguintes têm menos juros, o empréstimo termina antes e você economiza juros no total.
Os valores são arredondados ao centavo a cada mês; qualquer diferença de arredondamento é somada à última parcela para que o saldo termine exatamente em $0.00.
Fórmula
Juros do mês = Saldo × (Taxa anual ÷ 12)
Principal do mês = Parcela − Juros
Novo saldo = Saldo − Principal
Parcela M = L × r ÷ (1 − (1 + r)^−n)
Exemplo
Um empréstimo de $200,000 a 4.5% por 15 anos tem parcela de $1,529.99. No primeiro mês, os juros são $200,000 × 0.00375 = $750.00, então $779.99 vão para o principal e o saldo cai para $199,220.01.
