calculeantes.
Financiamento de imóveis · Exemplo editável

Imóvel de R$ 150 mil: entrada 20%, 30 anos

Financie R$ 120 mil após entrada de R$ 30 mil e compare SAC e Price em 30 anos. Taxa de exemplo: 11% efetivos ao ano, sem indexador e sem custos mensais.

Premissas transparentesMotor de cálculo e metodologiaFontes do exemplo
A resposta neste cenário

O que estes valores mostram

Com R$ 30.000,00 de entrada, são financiados R$ 120.000,00. No SAC, a primeira parcela é R$ 1.381,48 na hipótese de 11% efetivos ao ano por 360 meses.

Personalizar valores e condições ↓
01

Monte seu cenário

Altere os valores de exemplo e depois calcule.

Dados do financiamento
%
Use a taxa efetiva, não a taxa nominal ou uma taxa mensal.
meses
Custos mensais e parcela limiteCustos por mês: R$ 0 · Parcela limite: R$ 4.000Seguros e tarifas começam em zero neste exemplo. Confira os custos do contrato.
Informe apenas custos mensais constantes. Zero não significa que o banco não cobrará custos.
02Veja o que os números dizemSimulação

Resultado dos valores de exemplo. Personalize os campos para simular.

Seu cenário

Seu financiamento em perspectiva

Com R$ 30.000,00 de entrada, o valor financiado é R$ 120.000,00. Taxa efetiva de 11% ao ano.

Primeira parcelaR$ 1.381,48
Juros no períodoR$ 189.191,30
Total com entrada e custosR$ 339.191,30
Financiamento para sua parcelaR$ 347.452,30Limite matemático; não é aprovação de crédito.
PrincipalR$ 120.000,00
JurosR$ 189.191,30
EncargosR$ 0,00
Ver os valores usados neste cálculo
Última parcela
R$ 336,24
Encargos mensais no prazo
R$ 0,00
Juros SAC
R$ 189.191,30
Juros Price
R$ 274.570,40

Para interpretar este resultado

  • Taxa efetiva anual convertida em taxa mensal equivalente. Parcelas no fim de cada mês.
  • Correção por TR/IPCA, seguros variáveis e tarifas não informadas não estão incluídos. A tabela do banco pode usar dias corridos e arredondamentos diferentes.
Ver tabela detalhada (360 linhas)
MêsParcela + encargosJurosAmortizaçãoSaldo devedor
1R$ 1.381,48R$ 1.048,15R$ 333,33R$ 119.666,67
2R$ 1.378,57R$ 1.045,24R$ 333,33R$ 119.333,33
3R$ 1.375,66R$ 1.042,33R$ 333,33R$ 119.000,00
4R$ 1.372,75R$ 1.039,42R$ 333,33R$ 118.666,67
5R$ 1.369,84R$ 1.036,51R$ 333,33R$ 118.333,33
6R$ 1.366,93R$ 1.033,59R$ 333,33R$ 118.000,00
7R$ 1.364,02R$ 1.030,68R$ 333,33R$ 117.666,67
8R$ 1.361,10R$ 1.027,77R$ 333,33R$ 117.333,33
9R$ 1.358,19R$ 1.024,86R$ 333,33R$ 117.000,00
10R$ 1.355,28R$ 1.021,95R$ 333,33R$ 116.666,67
11R$ 1.352,37R$ 1.019,04R$ 333,33R$ 116.333,33
12R$ 1.349,46R$ 1.016,12R$ 333,33R$ 116.000,00
13R$ 1.346,55R$ 1.013,21R$ 333,33R$ 115.666,67
14R$ 1.343,63R$ 1.010,30R$ 333,33R$ 115.333,33
15R$ 1.340,72R$ 1.007,39R$ 333,33R$ 115.000,00
16R$ 1.337,81R$ 1.004,48R$ 333,33R$ 114.666,67
17R$ 1.334,90R$ 1.001,57R$ 333,33R$ 114.333,33
18R$ 1.331,99R$ 998,66R$ 333,33R$ 114.000,00
19R$ 1.329,08R$ 995,74R$ 333,33R$ 113.666,67
20R$ 1.326,17R$ 992,83R$ 333,33R$ 113.333,33
21R$ 1.323,25R$ 989,92R$ 333,33R$ 113.000,00
22R$ 1.320,34R$ 987,01R$ 333,33R$ 112.666,67
23R$ 1.317,43R$ 984,10R$ 333,33R$ 112.333,33
24R$ 1.314,52R$ 981,19R$ 333,33R$ 112.000,00
25R$ 1.311,61R$ 978,27R$ 333,33R$ 111.666,67
26R$ 1.308,70R$ 975,36R$ 333,33R$ 111.333,33
27R$ 1.305,78R$ 972,45R$ 333,33R$ 111.000,00
28R$ 1.302,87R$ 969,54R$ 333,33R$ 110.666,67
29R$ 1.299,96R$ 966,63R$ 333,33R$ 110.333,33
30R$ 1.297,05R$ 963,72R$ 333,33R$ 110.000,00
31R$ 1.294,14R$ 960,81R$ 333,33R$ 109.666,67
32R$ 1.291,23R$ 957,89R$ 333,33R$ 109.333,33
33R$ 1.288,32R$ 954,98R$ 333,33R$ 109.000,00
34R$ 1.285,40R$ 952,07R$ 333,33R$ 108.666,67
35R$ 1.282,49R$ 949,16R$ 333,33R$ 108.333,33
36R$ 1.279,58R$ 946,25R$ 333,33R$ 108.000,00
37R$ 1.276,67R$ 943,34R$ 333,33R$ 107.666,67
38R$ 1.273,76R$ 940,42R$ 333,33R$ 107.333,33
39R$ 1.270,85R$ 937,51R$ 333,33R$ 107.000,00
40R$ 1.267,93R$ 934,60R$ 333,33R$ 106.666,67
41R$ 1.265,02R$ 931,69R$ 333,33R$ 106.333,33
42R$ 1.262,11R$ 928,78R$ 333,33R$ 106.000,00
43R$ 1.259,20R$ 925,87R$ 333,33R$ 105.666,67
44R$ 1.256,29R$ 922,96R$ 333,33R$ 105.333,33
45R$ 1.253,38R$ 920,04R$ 333,33R$ 105.000,00
46R$ 1.250,47R$ 917,13R$ 333,33R$ 104.666,67
47R$ 1.247,55R$ 914,22R$ 333,33R$ 104.333,33
48R$ 1.244,64R$ 911,31R$ 333,33R$ 104.000,00
49R$ 1.241,73R$ 908,40R$ 333,33R$ 103.666,67
50R$ 1.238,82R$ 905,49R$ 333,33R$ 103.333,33
51R$ 1.235,91R$ 902,57R$ 333,33R$ 103.000,00
52R$ 1.233,00R$ 899,66R$ 333,33R$ 102.666,67
53R$ 1.230,08R$ 896,75R$ 333,33R$ 102.333,33
54R$ 1.227,17R$ 893,84R$ 333,33R$ 102.000,00
55R$ 1.224,26R$ 890,93R$ 333,33R$ 101.666,67
56R$ 1.221,35R$ 888,02R$ 333,33R$ 101.333,33
57R$ 1.218,44R$ 885,11R$ 333,33R$ 101.000,00
58R$ 1.215,53R$ 882,19R$ 333,33R$ 100.666,67
59R$ 1.212,62R$ 879,28R$ 333,33R$ 100.333,33
60R$ 1.209,70R$ 876,37R$ 333,33R$ 100.000,00
61R$ 1.206,79R$ 873,46R$ 333,33R$ 99.666,67
62R$ 1.203,88R$ 870,55R$ 333,33R$ 99.333,33
63R$ 1.200,97R$ 867,64R$ 333,33R$ 99.000,00
64R$ 1.198,06R$ 864,72R$ 333,33R$ 98.666,67
65R$ 1.195,15R$ 861,81R$ 333,33R$ 98.333,33
66R$ 1.192,24R$ 858,90R$ 333,33R$ 98.000,00
67R$ 1.189,32R$ 855,99R$ 333,33R$ 97.666,67
68R$ 1.186,41R$ 853,08R$ 333,33R$ 97.333,33
69R$ 1.183,50R$ 850,17R$ 333,33R$ 97.000,00
70R$ 1.180,59R$ 847,26R$ 333,33R$ 96.666,67
71R$ 1.177,68R$ 844,34R$ 333,33R$ 96.333,33
72R$ 1.174,77R$ 841,43R$ 333,33R$ 96.000,00
73R$ 1.171,85R$ 838,52R$ 333,33R$ 95.666,67
74R$ 1.168,94R$ 835,61R$ 333,33R$ 95.333,33
75R$ 1.166,03R$ 832,70R$ 333,33R$ 95.000,00
76R$ 1.163,12R$ 829,79R$ 333,33R$ 94.666,67
77R$ 1.160,21R$ 826,87R$ 333,33R$ 94.333,33
78R$ 1.157,30R$ 823,96R$ 333,33R$ 94.000,00
79R$ 1.154,39R$ 821,05R$ 333,33R$ 93.666,67
80R$ 1.151,47R$ 818,14R$ 333,33R$ 93.333,33
81R$ 1.148,56R$ 815,23R$ 333,33R$ 93.000,00
82R$ 1.145,65R$ 812,32R$ 333,33R$ 92.666,67
83R$ 1.142,74R$ 809,41R$ 333,33R$ 92.333,33
84R$ 1.139,83R$ 806,49R$ 333,33R$ 92.000,00
85R$ 1.136,92R$ 803,58R$ 333,33R$ 91.666,67
86R$ 1.134,00R$ 800,67R$ 333,33R$ 91.333,33
87R$ 1.131,09R$ 797,76R$ 333,33R$ 91.000,00
88R$ 1.128,18R$ 794,85R$ 333,33R$ 90.666,67
89R$ 1.125,27R$ 791,94R$ 333,33R$ 90.333,33
90R$ 1.122,36R$ 789,02R$ 333,33R$ 90.000,00
91R$ 1.119,45R$ 786,11R$ 333,33R$ 89.666,67
92R$ 1.116,54R$ 783,20R$ 333,33R$ 89.333,33
93R$ 1.113,62R$ 780,29R$ 333,33R$ 89.000,00
94R$ 1.110,71R$ 777,38R$ 333,33R$ 88.666,67
95R$ 1.107,80R$ 774,47R$ 333,33R$ 88.333,33
96R$ 1.104,89R$ 771,56R$ 333,33R$ 88.000,00
97R$ 1.101,98R$ 768,64R$ 333,33R$ 87.666,67
98R$ 1.099,07R$ 765,73R$ 333,33R$ 87.333,33
99R$ 1.096,15R$ 762,82R$ 333,33R$ 87.000,00
100R$ 1.093,24R$ 759,91R$ 333,33R$ 86.666,67
101R$ 1.090,33R$ 757,00R$ 333,33R$ 86.333,33
102R$ 1.087,42R$ 754,09R$ 333,33R$ 86.000,00
103R$ 1.084,51R$ 751,18R$ 333,33R$ 85.666,67
104R$ 1.081,60R$ 748,26R$ 333,33R$ 85.333,33
105R$ 1.078,69R$ 745,35R$ 333,33R$ 85.000,00
106R$ 1.075,77R$ 742,44R$ 333,33R$ 84.666,67
107R$ 1.072,86R$ 739,53R$ 333,33R$ 84.333,33
108R$ 1.069,95R$ 736,62R$ 333,33R$ 84.000,00
109R$ 1.067,04R$ 733,71R$ 333,33R$ 83.666,67
110R$ 1.064,13R$ 730,79R$ 333,33R$ 83.333,33
111R$ 1.061,22R$ 727,88R$ 333,33R$ 83.000,00
112R$ 1.058,30R$ 724,97R$ 333,33R$ 82.666,67
113R$ 1.055,39R$ 722,06R$ 333,33R$ 82.333,33
114R$ 1.052,48R$ 719,15R$ 333,33R$ 82.000,00
115R$ 1.049,57R$ 716,24R$ 333,33R$ 81.666,67
116R$ 1.046,66R$ 713,33R$ 333,33R$ 81.333,33
117R$ 1.043,75R$ 710,41R$ 333,33R$ 81.000,00
118R$ 1.040,84R$ 707,50R$ 333,33R$ 80.666,67
119R$ 1.037,92R$ 704,59R$ 333,33R$ 80.333,33
120R$ 1.035,01R$ 701,68R$ 333,33R$ 80.000,00
121R$ 1.032,10R$ 698,77R$ 333,33R$ 79.666,67
122R$ 1.029,19R$ 695,86R$ 333,33R$ 79.333,33
123R$ 1.026,28R$ 692,94R$ 333,33R$ 79.000,00
124R$ 1.023,37R$ 690,03R$ 333,33R$ 78.666,67
125R$ 1.020,45R$ 687,12R$ 333,33R$ 78.333,33
126R$ 1.017,54R$ 684,21R$ 333,33R$ 78.000,00
127R$ 1.014,63R$ 681,30R$ 333,33R$ 77.666,67
128R$ 1.011,72R$ 678,39R$ 333,33R$ 77.333,33
129R$ 1.008,81R$ 675,48R$ 333,33R$ 77.000,00
130R$ 1.005,90R$ 672,56R$ 333,33R$ 76.666,67
131R$ 1.002,99R$ 669,65R$ 333,33R$ 76.333,33
132R$ 1.000,07R$ 666,74R$ 333,33R$ 76.000,00
133R$ 997,16R$ 663,83R$ 333,33R$ 75.666,67
134R$ 994,25R$ 660,92R$ 333,33R$ 75.333,33
135R$ 991,34R$ 658,01R$ 333,33R$ 75.000,00
136R$ 988,43R$ 655,09R$ 333,33R$ 74.666,67
137R$ 985,52R$ 652,18R$ 333,33R$ 74.333,33
138R$ 982,60R$ 649,27R$ 333,33R$ 74.000,00
139R$ 979,69R$ 646,36R$ 333,33R$ 73.666,67
140R$ 976,78R$ 643,45R$ 333,33R$ 73.333,33
141R$ 973,87R$ 640,54R$ 333,33R$ 73.000,00
142R$ 970,96R$ 637,63R$ 333,33R$ 72.666,67
143R$ 968,05R$ 634,71R$ 333,33R$ 72.333,33
144R$ 965,14R$ 631,80R$ 333,33R$ 72.000,00
145R$ 962,22R$ 628,89R$ 333,33R$ 71.666,67
146R$ 959,31R$ 625,98R$ 333,33R$ 71.333,33
147R$ 956,40R$ 623,07R$ 333,33R$ 71.000,00
148R$ 953,49R$ 620,16R$ 333,33R$ 70.666,67
149R$ 950,58R$ 617,24R$ 333,33R$ 70.333,33
150R$ 947,67R$ 614,33R$ 333,33R$ 70.000,00
151R$ 944,75R$ 611,42R$ 333,33R$ 69.666,67
152R$ 941,84R$ 608,51R$ 333,33R$ 69.333,33
153R$ 938,93R$ 605,60R$ 333,33R$ 69.000,00
154R$ 936,02R$ 602,69R$ 333,33R$ 68.666,67
155R$ 933,11R$ 599,78R$ 333,33R$ 68.333,33
156R$ 930,20R$ 596,86R$ 333,33R$ 68.000,00
157R$ 927,29R$ 593,95R$ 333,33R$ 67.666,67
158R$ 924,37R$ 591,04R$ 333,33R$ 67.333,33
159R$ 921,46R$ 588,13R$ 333,33R$ 67.000,00
160R$ 918,55R$ 585,22R$ 333,33R$ 66.666,67
161R$ 915,64R$ 582,31R$ 333,33R$ 66.333,33
162R$ 912,73R$ 579,39R$ 333,33R$ 66.000,00
163R$ 909,82R$ 576,48R$ 333,33R$ 65.666,67
164R$ 906,90R$ 573,57R$ 333,33R$ 65.333,33
165R$ 903,99R$ 570,66R$ 333,33R$ 65.000,00
166R$ 901,08R$ 567,75R$ 333,33R$ 64.666,67
167R$ 898,17R$ 564,84R$ 333,33R$ 64.333,33
168R$ 895,26R$ 561,93R$ 333,33R$ 64.000,00
169R$ 892,35R$ 559,01R$ 333,33R$ 63.666,67
170R$ 889,44R$ 556,10R$ 333,33R$ 63.333,33
171R$ 886,52R$ 553,19R$ 333,33R$ 63.000,00
172R$ 883,61R$ 550,28R$ 333,33R$ 62.666,67
173R$ 880,70R$ 547,37R$ 333,33R$ 62.333,33
174R$ 877,79R$ 544,46R$ 333,33R$ 62.000,00
175R$ 874,88R$ 541,54R$ 333,33R$ 61.666,67
176R$ 871,97R$ 538,63R$ 333,33R$ 61.333,33
177R$ 869,06R$ 535,72R$ 333,33R$ 61.000,00
178R$ 866,14R$ 532,81R$ 333,33R$ 60.666,67
179R$ 863,23R$ 529,90R$ 333,33R$ 60.333,33
180R$ 860,32R$ 526,99R$ 333,33R$ 60.000,00
181R$ 857,41R$ 524,08R$ 333,33R$ 59.666,67
182R$ 854,50R$ 521,16R$ 333,33R$ 59.333,33
183R$ 851,59R$ 518,25R$ 333,33R$ 59.000,00
184R$ 848,67R$ 515,34R$ 333,33R$ 58.666,67
185R$ 845,76R$ 512,43R$ 333,33R$ 58.333,33
186R$ 842,85R$ 509,52R$ 333,33R$ 58.000,00
187R$ 839,94R$ 506,61R$ 333,33R$ 57.666,67
188R$ 837,03R$ 503,69R$ 333,33R$ 57.333,33
189R$ 834,12R$ 500,78R$ 333,33R$ 57.000,00
190R$ 831,21R$ 497,87R$ 333,33R$ 56.666,67
191R$ 828,29R$ 494,96R$ 333,33R$ 56.333,33
192R$ 825,38R$ 492,05R$ 333,33R$ 56.000,00
193R$ 822,47R$ 489,14R$ 333,33R$ 55.666,67
194R$ 819,56R$ 486,23R$ 333,33R$ 55.333,33
195R$ 816,65R$ 483,31R$ 333,33R$ 55.000,00
196R$ 813,74R$ 480,40R$ 333,33R$ 54.666,67
197R$ 810,82R$ 477,49R$ 333,33R$ 54.333,33
198R$ 807,91R$ 474,58R$ 333,33R$ 54.000,00
199R$ 805,00R$ 471,67R$ 333,33R$ 53.666,67
200R$ 802,09R$ 468,76R$ 333,33R$ 53.333,33
201R$ 799,18R$ 465,85R$ 333,33R$ 53.000,00
202R$ 796,27R$ 462,93R$ 333,33R$ 52.666,67
203R$ 793,36R$ 460,02R$ 333,33R$ 52.333,33
204R$ 790,44R$ 457,11R$ 333,33R$ 52.000,00
205R$ 787,53R$ 454,20R$ 333,33R$ 51.666,67
206R$ 784,62R$ 451,29R$ 333,33R$ 51.333,33
207R$ 781,71R$ 448,38R$ 333,33R$ 51.000,00
208R$ 778,80R$ 445,46R$ 333,33R$ 50.666,67
209R$ 775,89R$ 442,55R$ 333,33R$ 50.333,33
210R$ 772,97R$ 439,64R$ 333,33R$ 50.000,00
211R$ 770,06R$ 436,73R$ 333,33R$ 49.666,67
212R$ 767,15R$ 433,82R$ 333,33R$ 49.333,33
213R$ 764,24R$ 430,91R$ 333,33R$ 49.000,00
214R$ 761,33R$ 428,00R$ 333,33R$ 48.666,67
215R$ 758,42R$ 425,08R$ 333,33R$ 48.333,33
216R$ 755,51R$ 422,17R$ 333,33R$ 48.000,00
217R$ 752,59R$ 419,26R$ 333,33R$ 47.666,67
218R$ 749,68R$ 416,35R$ 333,33R$ 47.333,33
219R$ 746,77R$ 413,44R$ 333,33R$ 47.000,00
220R$ 743,86R$ 410,53R$ 333,33R$ 46.666,67
221R$ 740,95R$ 407,61R$ 333,33R$ 46.333,33
222R$ 738,04R$ 404,70R$ 333,33R$ 46.000,00
223R$ 735,12R$ 401,79R$ 333,33R$ 45.666,67
224R$ 732,21R$ 398,88R$ 333,33R$ 45.333,33
225R$ 729,30R$ 395,97R$ 333,33R$ 45.000,00
226R$ 726,39R$ 393,06R$ 333,33R$ 44.666,67
227R$ 723,48R$ 390,15R$ 333,33R$ 44.333,33
228R$ 720,57R$ 387,23R$ 333,33R$ 44.000,00
229R$ 717,66R$ 384,32R$ 333,33R$ 43.666,67
230R$ 714,74R$ 381,41R$ 333,33R$ 43.333,33
231R$ 711,83R$ 378,50R$ 333,33R$ 43.000,00
232R$ 708,92R$ 375,59R$ 333,33R$ 42.666,67
233R$ 706,01R$ 372,68R$ 333,33R$ 42.333,33
234R$ 703,10R$ 369,76R$ 333,33R$ 42.000,00
235R$ 700,19R$ 366,85R$ 333,33R$ 41.666,67
236R$ 697,27R$ 363,94R$ 333,33R$ 41.333,33
237R$ 694,36R$ 361,03R$ 333,33R$ 41.000,00
238R$ 691,45R$ 358,12R$ 333,33R$ 40.666,67
239R$ 688,54R$ 355,21R$ 333,33R$ 40.333,33
240R$ 685,63R$ 352,30R$ 333,33R$ 40.000,00
241R$ 682,72R$ 349,38R$ 333,33R$ 39.666,67
242R$ 679,81R$ 346,47R$ 333,33R$ 39.333,33
243R$ 676,89R$ 343,56R$ 333,33R$ 39.000,00
244R$ 673,98R$ 340,65R$ 333,33R$ 38.666,67
245R$ 671,07R$ 337,74R$ 333,33R$ 38.333,33
246R$ 668,16R$ 334,83R$ 333,33R$ 38.000,00
247R$ 665,25R$ 331,91R$ 333,33R$ 37.666,67
248R$ 662,34R$ 329,00R$ 333,33R$ 37.333,33
249R$ 659,42R$ 326,09R$ 333,33R$ 37.000,00
250R$ 656,51R$ 323,18R$ 333,33R$ 36.666,67
251R$ 653,60R$ 320,27R$ 333,33R$ 36.333,33
252R$ 650,69R$ 317,36R$ 333,33R$ 36.000,00
253R$ 647,78R$ 314,45R$ 333,33R$ 35.666,67
254R$ 644,87R$ 311,53R$ 333,33R$ 35.333,33
255R$ 641,96R$ 308,62R$ 333,33R$ 35.000,00
256R$ 639,04R$ 305,71R$ 333,33R$ 34.666,67
257R$ 636,13R$ 302,80R$ 333,33R$ 34.333,33
258R$ 633,22R$ 299,89R$ 333,33R$ 34.000,00
259R$ 630,31R$ 296,98R$ 333,33R$ 33.666,67
260R$ 627,40R$ 294,06R$ 333,33R$ 33.333,33
261R$ 624,49R$ 291,15R$ 333,33R$ 33.000,00
262R$ 621,57R$ 288,24R$ 333,33R$ 32.666,67
263R$ 618,66R$ 285,33R$ 333,33R$ 32.333,33
264R$ 615,75R$ 282,42R$ 333,33R$ 32.000,00
265R$ 612,84R$ 279,51R$ 333,33R$ 31.666,67
266R$ 609,93R$ 276,60R$ 333,33R$ 31.333,33
267R$ 607,02R$ 273,68R$ 333,33R$ 31.000,00
268R$ 604,11R$ 270,77R$ 333,33R$ 30.666,67
269R$ 601,19R$ 267,86R$ 333,33R$ 30.333,33
270R$ 598,28R$ 264,95R$ 333,33R$ 30.000,00
271R$ 595,37R$ 262,04R$ 333,33R$ 29.666,67
272R$ 592,46R$ 259,13R$ 333,33R$ 29.333,33
273R$ 589,55R$ 256,21R$ 333,33R$ 29.000,00
274R$ 586,64R$ 253,30R$ 333,33R$ 28.666,67
275R$ 583,73R$ 250,39R$ 333,33R$ 28.333,33
276R$ 580,81R$ 247,48R$ 333,33R$ 28.000,00
277R$ 577,90R$ 244,57R$ 333,33R$ 27.666,67
278R$ 574,99R$ 241,66R$ 333,33R$ 27.333,33
279R$ 572,08R$ 238,75R$ 333,33R$ 27.000,00
280R$ 569,17R$ 235,83R$ 333,33R$ 26.666,67
281R$ 566,26R$ 232,92R$ 333,33R$ 26.333,33
282R$ 563,34R$ 230,01R$ 333,33R$ 26.000,00
283R$ 560,43R$ 227,10R$ 333,33R$ 25.666,67
284R$ 557,52R$ 224,19R$ 333,33R$ 25.333,33
285R$ 554,61R$ 221,28R$ 333,33R$ 25.000,00
286R$ 551,70R$ 218,36R$ 333,33R$ 24.666,67
287R$ 548,79R$ 215,45R$ 333,33R$ 24.333,33
288R$ 545,88R$ 212,54R$ 333,33R$ 24.000,00
289R$ 542,96R$ 209,63R$ 333,33R$ 23.666,67
290R$ 540,05R$ 206,72R$ 333,33R$ 23.333,33
291R$ 537,14R$ 203,81R$ 333,33R$ 23.000,00
292R$ 534,23R$ 200,90R$ 333,33R$ 22.666,67
293R$ 531,32R$ 197,98R$ 333,33R$ 22.333,33
294R$ 528,41R$ 195,07R$ 333,33R$ 22.000,00
295R$ 525,49R$ 192,16R$ 333,33R$ 21.666,67
296R$ 522,58R$ 189,25R$ 333,33R$ 21.333,33
297R$ 519,67R$ 186,34R$ 333,33R$ 21.000,00
298R$ 516,76R$ 183,43R$ 333,33R$ 20.666,67
299R$ 513,85R$ 180,51R$ 333,33R$ 20.333,33
300R$ 510,94R$ 177,60R$ 333,33R$ 20.000,00
301R$ 508,03R$ 174,69R$ 333,33R$ 19.666,67
302R$ 505,11R$ 171,78R$ 333,33R$ 19.333,33
303R$ 502,20R$ 168,87R$ 333,33R$ 19.000,00
304R$ 499,29R$ 165,96R$ 333,33R$ 18.666,67
305R$ 496,38R$ 163,05R$ 333,33R$ 18.333,33
306R$ 493,47R$ 160,13R$ 333,33R$ 18.000,00
307R$ 490,56R$ 157,22R$ 333,33R$ 17.666,67
308R$ 487,64R$ 154,31R$ 333,33R$ 17.333,33
309R$ 484,73R$ 151,40R$ 333,33R$ 17.000,00
310R$ 481,82R$ 148,49R$ 333,33R$ 16.666,67
311R$ 478,91R$ 145,58R$ 333,33R$ 16.333,33
312R$ 476,00R$ 142,67R$ 333,33R$ 16.000,00
313R$ 473,09R$ 139,75R$ 333,33R$ 15.666,67
314R$ 470,18R$ 136,84R$ 333,33R$ 15.333,33
315R$ 467,26R$ 133,93R$ 333,33R$ 15.000,00
316R$ 464,35R$ 131,02R$ 333,33R$ 14.666,67
317R$ 461,44R$ 128,11R$ 333,33R$ 14.333,33
318R$ 458,53R$ 125,20R$ 333,33R$ 14.000,00
319R$ 455,62R$ 122,28R$ 333,33R$ 13.666,67
320R$ 452,71R$ 119,37R$ 333,33R$ 13.333,33
321R$ 449,79R$ 116,46R$ 333,33R$ 13.000,00
322R$ 446,88R$ 113,55R$ 333,33R$ 12.666,67
323R$ 443,97R$ 110,64R$ 333,33R$ 12.333,33
324R$ 441,06R$ 107,73R$ 333,33R$ 12.000,00
325R$ 438,15R$ 104,82R$ 333,33R$ 11.666,67
326R$ 435,24R$ 101,90R$ 333,33R$ 11.333,33
327R$ 432,33R$ 98,99R$ 333,33R$ 11.000,00
328R$ 429,41R$ 96,08R$ 333,33R$ 10.666,67
329R$ 426,50R$ 93,17R$ 333,33R$ 10.333,33
330R$ 423,59R$ 90,26R$ 333,33R$ 10.000,00
331R$ 420,68R$ 87,35R$ 333,33R$ 9.666,67
332R$ 417,77R$ 84,43R$ 333,33R$ 9.333,33
333R$ 414,86R$ 81,52R$ 333,33R$ 9.000,00
334R$ 411,94R$ 78,61R$ 333,33R$ 8.666,67
335R$ 409,03R$ 75,70R$ 333,33R$ 8.333,33
336R$ 406,12R$ 72,79R$ 333,33R$ 8.000,00
337R$ 403,21R$ 69,88R$ 333,33R$ 7.666,67
338R$ 400,30R$ 66,97R$ 333,33R$ 7.333,33
339R$ 397,39R$ 64,05R$ 333,33R$ 7.000,00
340R$ 394,48R$ 61,14R$ 333,33R$ 6.666,67
341R$ 391,56R$ 58,23R$ 333,33R$ 6.333,33
342R$ 388,65R$ 55,32R$ 333,33R$ 6.000,00
343R$ 385,74R$ 52,41R$ 333,33R$ 5.666,67
344R$ 382,83R$ 49,50R$ 333,33R$ 5.333,33
345R$ 379,92R$ 46,58R$ 333,33R$ 5.000,00
346R$ 377,01R$ 43,67R$ 333,33R$ 4.666,67
347R$ 374,09R$ 40,76R$ 333,33R$ 4.333,33
348R$ 371,18R$ 37,85R$ 333,33R$ 4.000,00
349R$ 368,27R$ 34,94R$ 333,33R$ 3.666,67
350R$ 365,36R$ 32,03R$ 333,33R$ 3.333,33
351R$ 362,45R$ 29,12R$ 333,33R$ 3.000,00
352R$ 359,54R$ 26,20R$ 333,33R$ 2.666,67
353R$ 356,63R$ 23,29R$ 333,33R$ 2.333,33
354R$ 353,71R$ 20,38R$ 333,33R$ 2.000,00
355R$ 350,80R$ 17,47R$ 333,33R$ 1.666,67
356R$ 347,89R$ 14,56R$ 333,33R$ 1.333,33
357R$ 344,98R$ 11,65R$ 333,33R$ 1.000,00
358R$ 342,07R$ 8,73R$ 333,33R$ 666,67
359R$ 339,16R$ 5,82R$ 333,33R$ 333,33
360R$ 336,24R$ 2,91R$ 333,33R$ 0,00
Explore uma possibilidade

E se mudar um detalhe?

Compare uma alteração com o cenário calculado. Você decide se quer aplicar.

Ative o JavaScript para comparar cenários.

Editar valores e simular novamente

Leitura do exemplo desta página

As comparações abaixo mantêm os valores iniciais. Use a calculadora acima para testar outras condições.

O SAC acumula R$ 189.191,30 em juros, contra R$ 274.570,40 na Price: diferença de R$ 85.379,10 nas mesmas condições. A prestação inicial maior do SAC exige mais caixa.

Uma taxa de 9% ao ano, 2 pontos percentuais menor, reduziria os juros do sistema escolhido em R$ 33.080,68. A diferença não inclui seguros, tarifas nem indexação.

A entrada equivale a 20% do bem. Comprar à vista exigiria o preço total; financiar acrescenta juros e custos que precisam ser comparados com seu orçamento.

SAC e Price com o mesmo principal e prazo

SAC e Price com o mesmo principal e prazo — premissas do exemplo inicial
SistemaPrimeira parcelaÚltima parcelaJuros totaisParcelas + entrada
SACR$ 1.381,48R$ 336,24R$ 189.191,30R$ 339.191,30
PriceR$ 1.096,03R$ 1.096,03R$ 274.570,40R$ 424.570,40

Como chegamos ao resultado

  1. Subtraímos a entrada do preço do imóvel para encontrar o principal financiado. A taxa mensal é (1 + taxa anual)^(1/12) − 1.
  2. No SAC, a amortização é principal ÷ prazo. Na Price, a prestação é principal × taxa ÷ [1 − (1 + taxa)^−prazo]. Juros incidem sobre o saldo anterior.
  3. O cálculo inverso usa a parcela máxima, deduz os encargos mensais e encontra o principal compatível com o sistema escolhido.

Este exemplo é calculado automaticamente a partir das premissas publicadas. As taxas de cenário são hipóteses, as regras legais têm vigência indicada e os valores não representam uma pessoa ou uma proposta real.

Antes de usar estes números

  • Taxa efetiva anual convertida em taxa mensal equivalente. Parcelas no fim de cada mês.
  • Correção por TR/IPCA, seguros variáveis e tarifas não informadas não estão incluídos. A tabela do banco pode usar dias corridos e arredondamentos diferentes.

Para entender a decisão com mais contexto, leia o guia deste assunto ou abra a calculadora de financiamento imobiliário.

Fontes e referências

Referências conferidas em 1º de outubro de 2026. Confira a competência e as condições do seu caso. Informe uma divergência ou sugira uma correção.

O que você quer calcular?

Financiamento imobiliárioCrédito e financiamentoFinanciamento de veículosCrédito e financiamentoSAC × PriceCrédito e financiamentoAmortização antecipadaCrédito e financiamentoEmpréstimo e CETCrédito e financiamentoSalário líquidoTrabalho e rendaCLT × PJTrabalho e rendaRescisão trabalhistaTrabalho e rendaFériasTrabalho e renda13º salárioTrabalho e rendaFGTSTrabalho e rendaSeguro-desempregoTrabalho e rendaHora extraTrabalho e rendaJuros compostosInvestimentosRendimento do CDIInvestimentosCDB × LCI/LCAInvestimentosCusto de funcionárioEmpresas e impostosMEI × SimplesEmpresas e impostosPreço de vendaEmpresas e impostosPró-labore e Fator REmpresas e impostosRegime tributário e reformaEmpresas e impostos
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