Descubra a parcela mensal para um prazo fixo ou quanto tempo leva para quitar um empréstimo com parcela fixa.
Pagamento mensal
$1.581,59
Total de 180 pagamentos
$284.685,71
Juros totais
$84.685,71
Valor do empréstimo
$200.000,00
Principal e juros
Principal 70,3%
Juros 29,7%
Saldo devedor ao longo do tempo
Os resultados são estimativas e não constituem aconselhamento financeiro.
Cronograma de amortização
Ano do empréstimo
Juros
Principal
Saldo final
Ano 1
$9.791,31
$9.187,77
$190.812,23
Ano 2
$9.321,28
$9.657,80
$181.154,43
Ano 3
$8.827,17
$10.151,91
$171.002,52
Ano 4
$8.307,78
$10.671,30
$160.331,22
Ano 5
$7.761,83
$11.217,25
$149.113,97
Ano 6
$7.187,92
$11.791,16
$137.322,81
Ano 7
$6.584,67
$12.394,41
$124.928,40
Ano 8
$5.950,55
$13.028,53
$111.899,87
Ano 9
$5.283,97
$13.695,11
$98.204,76
Ano 10
$4.583,31
$14.395,77
$83.808,99
Ano 11
$3.846,79
$15.132,29
$68.676,70
Ano 12
$3.072,61
$15.906,47
$52.770,23
Ano 13
$2.258,79
$16.720,29
$36.049,94
Ano 14
$1.403,35
$17.575,73
$18.474,21
Ano 15
$504,15
$18.474,21
$0,00
Pagamento nº
Juros
Principal
Saldo final
1
$833,33
$748,26
$199.251,74
2
$830,22
$751,37
$198.500,37
3
$827,08
$754,51
$197.745,86
4
$823,94
$757,65
$196.988,21
5
$820,78
$760,81
$196.227,40
6
$817,61
$763,98
$195.463,42
7
$814,43
$767,16
$194.696,26
8
$811,23
$770,36
$193.925,90
9
$808,02
$773,57
$193.152,33
10
$804,80
$776,79
$192.375,54
11
$801,56
$780,03
$191.595,51
12
$798,31
$783,28
$190.812,23
13
$795,05
$786,54
$190.025,69
14
$791,77
$789,82
$189.235,87
15
$788,48
$793,11
$188.442,76
16
$785,18
$796,41
$187.646,35
17
$781,86
$799,73
$186.846,62
18
$778,53
$803,06
$186.043,56
19
$775,18
$806,41
$185.237,15
20
$771,82
$809,77
$184.427,38
21
$768,45
$813,14
$183.614,24
22
$765,06
$816,53
$182.797,71
23
$761,66
$819,93
$181.977,78
24
$758,24
$823,35
$181.154,43
25
$754,81
$826,78
$180.327,65
26
$751,37
$830,22
$179.497,43
27
$747,91
$833,68
$178.663,75
28
$744,43
$837,16
$177.826,59
29
$740,94
$840,65
$176.985,94
30
$737,44
$844,15
$176.141,79
31
$733,92
$847,67
$175.294,12
32
$730,39
$851,20
$174.442,92
33
$726,85
$854,74
$173.588,18
34
$723,28
$858,31
$172.729,87
35
$719,71
$861,88
$171.867,99
36
$716,12
$865,47
$171.002,52
37
$712,51
$869,08
$170.133,44
38
$708,89
$872,70
$169.260,74
39
$705,25
$876,34
$168.384,40
40
$701,60
$879,99
$167.504,41
41
$697,94
$883,65
$166.620,76
42
$694,25
$887,34
$165.733,42
43
$690,56
$891,03
$164.842,39
44
$686,84
$894,75
$163.947,64
45
$683,12
$898,47
$163.049,17
46
$679,37
$902,22
$162.146,95
47
$675,61
$905,98
$161.240,97
48
$671,84
$909,75
$160.331,22
49
$668,05
$913,54
$159.417,68
50
$664,24
$917,35
$158.500,33
51
$660,42
$921,17
$157.579,16
52
$656,58
$925,01
$156.654,15
53
$652,73
$928,86
$155.725,29
54
$648,86
$932,73
$154.792,56
55
$644,97
$936,62
$153.855,94
56
$641,07
$940,52
$152.915,42
57
$637,15
$944,44
$151.970,98
58
$633,21
$948,38
$151.022,60
59
$629,26
$952,33
$150.070,27
60
$625,29
$956,30
$149.113,97
61
$621,31
$960,28
$148.153,69
62
$617,31
$964,28
$147.189,41
63
$613,29
$968,30
$146.221,11
64
$609,25
$972,34
$145.248,77
65
$605,20
$976,39
$144.272,38
66
$601,13
$980,46
$143.291,92
67
$597,05
$984,54
$142.307,38
68
$592,95
$988,64
$141.318,74
69
$588,83
$992,76
$140.325,98
70
$584,69
$996,90
$139.329,08
71
$580,54
$1.001,05
$138.328,03
72
$576,37
$1.005,22
$137.322,81
73
$572,18
$1.009,41
$136.313,40
74
$567,97
$1.013,62
$135.299,78
75
$563,75
$1.017,84
$134.281,94
76
$559,51
$1.022,08
$133.259,86
77
$555,25
$1.026,34
$132.233,52
78
$550,97
$1.030,62
$131.202,90
79
$546,68
$1.034,91
$130.167,99
80
$542,37
$1.039,22
$129.128,77
81
$538,04
$1.043,55
$128.085,22
82
$533,69
$1.047,90
$127.037,32
83
$529,32
$1.052,27
$125.985,05
84
$524,94
$1.056,65
$124.928,40
85
$520,54
$1.061,05
$123.867,35
86
$516,11
$1.065,48
$122.801,87
87
$511,67
$1.069,92
$121.731,95
88
$507,22
$1.074,37
$120.657,58
89
$502,74
$1.078,85
$119.578,73
90
$498,24
$1.083,35
$118.495,38
91
$493,73
$1.087,86
$117.407,52
92
$489,20
$1.092,39
$116.315,13
93
$484,65
$1.096,94
$115.218,19
94
$480,08
$1.101,51
$114.116,68
95
$475,49
$1.106,10
$113.010,58
96
$470,88
$1.110,71
$111.899,87
97
$466,25
$1.115,34
$110.784,53
98
$461,60
$1.119,99
$109.664,54
99
$456,94
$1.124,65
$108.539,89
100
$452,25
$1.129,34
$107.410,55
101
$447,54
$1.134,05
$106.276,50
102
$442,82
$1.138,77
$105.137,73
103
$438,07
$1.143,52
$103.994,21
104
$433,31
$1.148,28
$102.845,93
105
$428,52
$1.153,07
$101.692,86
106
$423,72
$1.157,87
$100.534,99
107
$418,90
$1.162,69
$99.372,30
108
$414,05
$1.167,54
$98.204,76
109
$409,19
$1.172,40
$97.032,36
110
$404,30
$1.177,29
$95.855,07
111
$399,40
$1.182,19
$94.672,88
112
$394,47
$1.187,12
$93.485,76
113
$389,52
$1.192,07
$92.293,69
114
$384,56
$1.197,03
$91.096,66
115
$379,57
$1.202,02
$89.894,64
116
$374,56
$1.207,03
$88.687,61
117
$369,53
$1.212,06
$87.475,55
118
$364,48
$1.217,11
$86.258,44
119
$359,41
$1.222,18
$85.036,26
120
$354,32
$1.227,27
$83.808,99
121
$349,20
$1.232,39
$82.576,60
122
$344,07
$1.237,52
$81.339,08
123
$338,91
$1.242,68
$80.096,40
124
$333,74
$1.247,85
$78.848,55
125
$328,54
$1.253,05
$77.595,50
126
$323,31
$1.258,28
$76.337,22
127
$318,07
$1.263,52
$75.073,70
128
$312,81
$1.268,78
$73.804,92
129
$307,52
$1.274,07
$72.530,85
130
$302,21
$1.279,38
$71.251,47
131
$296,88
$1.284,71
$69.966,76
132
$291,53
$1.290,06
$68.676,70
133
$286,15
$1.295,44
$67.381,26
134
$280,76
$1.300,83
$66.080,43
135
$275,34
$1.306,25
$64.774,18
136
$269,89
$1.311,70
$63.462,48
137
$264,43
$1.317,16
$62.145,32
138
$258,94
$1.322,65
$60.822,67
139
$253,43
$1.328,16
$59.494,51
140
$247,89
$1.333,70
$58.160,81
141
$242,34
$1.339,25
$56.821,56
142
$236,76
$1.344,83
$55.476,73
143
$231,15
$1.350,44
$54.126,29
144
$225,53
$1.356,06
$52.770,23
145
$219,88
$1.361,71
$51.408,52
146
$214,20
$1.367,39
$50.041,13
147
$208,50
$1.373,09
$48.668,04
148
$202,78
$1.378,81
$47.289,23
149
$197,04
$1.384,55
$45.904,68
150
$191,27
$1.390,32
$44.514,36
151
$185,48
$1.396,11
$43.118,25
152
$179,66
$1.401,93
$41.716,32
153
$173,82
$1.407,77
$40.308,55
154
$167,95
$1.413,64
$38.894,91
155
$162,06
$1.419,53
$37.475,38
156
$156,15
$1.425,44
$36.049,94
157
$150,21
$1.431,38
$34.618,56
158
$144,24
$1.437,35
$33.181,21
159
$138,26
$1.443,33
$31.737,88
160
$132,24
$1.449,35
$30.288,53
161
$126,20
$1.455,39
$28.833,14
162
$120,14
$1.461,45
$27.371,69
163
$114,05
$1.467,54
$25.904,15
164
$107,93
$1.473,66
$24.430,49
165
$101,79
$1.479,80
$22.950,69
166
$95,63
$1.485,96
$21.464,73
167
$89,44
$1.492,15
$19.972,58
168
$83,22
$1.498,37
$18.474,21
169
$76,98
$1.504,61
$16.969,60
170
$70,71
$1.510,88
$15.458,72
171
$64,41
$1.517,18
$13.941,54
172
$58,09
$1.523,50
$12.418,04
173
$51,74
$1.529,85
$10.888,19
174
$45,37
$1.536,22
$9.351,97
175
$38,97
$1.542,62
$7.809,35
176
$32,54
$1.549,05
$6.260,30
177
$26,08
$1.555,51
$4.704,79
178
$19,60
$1.561,99
$3.142,80
179
$13,10
$1.568,49
$1.574,31
180
$6,56
$1.574,31
$0,00
Sobre a calculadora de parcelas
Use a aba Prazo fixo quando souber por quanto tempo quer pegar o empréstimo: ela retorna a parcela mensal necessária para quitar no prazo. Use a aba Parcela fixa quando souber quanto pode pagar por mês: ela retorna quanto tempo o empréstimo vai durar e quanto de juros você pagará.
No modo de parcela fixa, a parcela deve ser maior que os juros do primeiro mês; caso contrário, o saldo nunca diminuiria. A calculadora avisa quando isso acontece.
Fórmula
Prazo fixo: M = L × r ÷ (1 − (1 + r)^−n)
Parcela fixa: n = −ln(1 − L × r ÷ M) ÷ ln(1 + r)
r = taxa anual ÷ 12; L = valor do empréstimo
Exemplo
Um empréstimo de $200,000 a 5% por 15 anos exige $1,581.59 por mês. Pagando $2,000 fixos por mês, o mesmo empréstimo é quitado em 130 meses (10 anos e 10 meses).
