calculeantes.
Financiamento de imóveis · Exemplo editável

Imóvel de R$ 550 mil: entrada 30%, 30 anos

Financie R$ 385 mil após entrada de R$ 165 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$ 165.000,00 de entrada, são financiados R$ 385.000,00. No SAC, a primeira parcela é R$ 4.432,26 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$ 165.000,00 de entrada, o valor financiado é R$ 385.000,00. Taxa efetiva de 11% ao ano.

Primeira parcelaR$ 4.432,26
Juros no períodoR$ 606.988,76
Total com entrada e custosR$ 1.156.988,76
Financiamento para sua parcelaR$ 347.452,30Limite matemático; não é aprovação de crédito.
PrincipalR$ 385.000,00
JurosR$ 606.988,76
EncargosR$ 0,00
Ver os valores usados neste cálculo
Última parcela
R$ 1.078,79
Encargos mensais no prazo
R$ 0,00
Juros SAC
R$ 606.988,76
Juros Price
R$ 880.913,37

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$ 4.432,26R$ 3.362,82R$ 1.069,44R$ 383.930,56
2R$ 4.422,92R$ 3.353,48R$ 1.069,44R$ 382.861,11
3R$ 4.413,58R$ 3.344,14R$ 1.069,44R$ 381.791,67
4R$ 4.404,24R$ 3.334,80R$ 1.069,44R$ 380.722,22
5R$ 4.394,90R$ 3.325,45R$ 1.069,44R$ 379.652,78
6R$ 4.385,56R$ 3.316,11R$ 1.069,44R$ 378.583,33
7R$ 4.376,22R$ 3.306,77R$ 1.069,44R$ 377.513,89
8R$ 4.366,87R$ 3.297,43R$ 1.069,44R$ 376.444,44
9R$ 4.357,53R$ 3.288,09R$ 1.069,44R$ 375.375,00
10R$ 4.348,19R$ 3.278,75R$ 1.069,44R$ 374.305,56
11R$ 4.338,85R$ 3.269,41R$ 1.069,44R$ 373.236,11
12R$ 4.329,51R$ 3.260,07R$ 1.069,44R$ 372.166,67
13R$ 4.320,17R$ 3.250,72R$ 1.069,44R$ 371.097,22
14R$ 4.310,83R$ 3.241,38R$ 1.069,44R$ 370.027,78
15R$ 4.301,49R$ 3.232,04R$ 1.069,44R$ 368.958,33
16R$ 4.292,15R$ 3.222,70R$ 1.069,44R$ 367.888,89
17R$ 4.282,80R$ 3.213,36R$ 1.069,44R$ 366.819,44
18R$ 4.273,46R$ 3.204,02R$ 1.069,44R$ 365.750,00
19R$ 4.264,12R$ 3.194,68R$ 1.069,44R$ 364.680,56
20R$ 4.254,78R$ 3.185,34R$ 1.069,44R$ 363.611,11
21R$ 4.245,44R$ 3.176,00R$ 1.069,44R$ 362.541,67
22R$ 4.236,10R$ 3.166,65R$ 1.069,44R$ 361.472,22
23R$ 4.226,76R$ 3.157,31R$ 1.069,44R$ 360.402,78
24R$ 4.217,42R$ 3.147,97R$ 1.069,44R$ 359.333,33
25R$ 4.208,08R$ 3.138,63R$ 1.069,44R$ 358.263,89
26R$ 4.198,73R$ 3.129,29R$ 1.069,44R$ 357.194,44
27R$ 4.189,39R$ 3.119,95R$ 1.069,44R$ 356.125,00
28R$ 4.180,05R$ 3.110,61R$ 1.069,44R$ 355.055,56
29R$ 4.170,71R$ 3.101,27R$ 1.069,44R$ 353.986,11
30R$ 4.161,37R$ 3.091,92R$ 1.069,44R$ 352.916,67
31R$ 4.152,03R$ 3.082,58R$ 1.069,44R$ 351.847,22
32R$ 4.142,69R$ 3.073,24R$ 1.069,44R$ 350.777,78
33R$ 4.133,35R$ 3.063,90R$ 1.069,44R$ 349.708,33
34R$ 4.124,00R$ 3.054,56R$ 1.069,44R$ 348.638,89
35R$ 4.114,66R$ 3.045,22R$ 1.069,44R$ 347.569,44
36R$ 4.105,32R$ 3.035,88R$ 1.069,44R$ 346.500,00
37R$ 4.095,98R$ 3.026,54R$ 1.069,44R$ 345.430,56
38R$ 4.086,64R$ 3.017,20R$ 1.069,44R$ 344.361,11
39R$ 4.077,30R$ 3.007,85R$ 1.069,44R$ 343.291,67
40R$ 4.067,96R$ 2.998,51R$ 1.069,44R$ 342.222,22
41R$ 4.058,62R$ 2.989,17R$ 1.069,44R$ 341.152,78
42R$ 4.049,28R$ 2.979,83R$ 1.069,44R$ 340.083,33
43R$ 4.039,93R$ 2.970,49R$ 1.069,44R$ 339.013,89
44R$ 4.030,59R$ 2.961,15R$ 1.069,44R$ 337.944,44
45R$ 4.021,25R$ 2.951,81R$ 1.069,44R$ 336.875,00
46R$ 4.011,91R$ 2.942,47R$ 1.069,44R$ 335.805,56
47R$ 4.002,57R$ 2.933,13R$ 1.069,44R$ 334.736,11
48R$ 3.993,23R$ 2.923,78R$ 1.069,44R$ 333.666,67
49R$ 3.983,89R$ 2.914,44R$ 1.069,44R$ 332.597,22
50R$ 3.974,55R$ 2.905,10R$ 1.069,44R$ 331.527,78
51R$ 3.965,20R$ 2.895,76R$ 1.069,44R$ 330.458,33
52R$ 3.955,86R$ 2.886,42R$ 1.069,44R$ 329.388,89
53R$ 3.946,52R$ 2.877,08R$ 1.069,44R$ 328.319,44
54R$ 3.937,18R$ 2.867,74R$ 1.069,44R$ 327.250,00
55R$ 3.927,84R$ 2.858,40R$ 1.069,44R$ 326.180,56
56R$ 3.918,50R$ 2.849,05R$ 1.069,44R$ 325.111,11
57R$ 3.909,16R$ 2.839,71R$ 1.069,44R$ 324.041,67
58R$ 3.899,82R$ 2.830,37R$ 1.069,44R$ 322.972,22
59R$ 3.890,48R$ 2.821,03R$ 1.069,44R$ 321.902,78
60R$ 3.881,13R$ 2.811,69R$ 1.069,44R$ 320.833,33
61R$ 3.871,79R$ 2.802,35R$ 1.069,44R$ 319.763,89
62R$ 3.862,45R$ 2.793,01R$ 1.069,44R$ 318.694,44
63R$ 3.853,11R$ 2.783,67R$ 1.069,44R$ 317.625,00
64R$ 3.843,77R$ 2.774,33R$ 1.069,44R$ 316.555,56
65R$ 3.834,43R$ 2.764,98R$ 1.069,44R$ 315.486,11
66R$ 3.825,09R$ 2.755,64R$ 1.069,44R$ 314.416,67
67R$ 3.815,75R$ 2.746,30R$ 1.069,44R$ 313.347,22
68R$ 3.806,41R$ 2.736,96R$ 1.069,44R$ 312.277,78
69R$ 3.797,06R$ 2.727,62R$ 1.069,44R$ 311.208,33
70R$ 3.787,72R$ 2.718,28R$ 1.069,44R$ 310.138,89
71R$ 3.778,38R$ 2.708,94R$ 1.069,44R$ 309.069,44
72R$ 3.769,04R$ 2.699,60R$ 1.069,44R$ 308.000,00
73R$ 3.759,70R$ 2.690,25R$ 1.069,44R$ 306.930,56
74R$ 3.750,36R$ 2.680,91R$ 1.069,44R$ 305.861,11
75R$ 3.741,02R$ 2.671,57R$ 1.069,44R$ 304.791,67
76R$ 3.731,68R$ 2.662,23R$ 1.069,44R$ 303.722,22
77R$ 3.722,33R$ 2.652,89R$ 1.069,44R$ 302.652,78
78R$ 3.712,99R$ 2.643,55R$ 1.069,44R$ 301.583,33
79R$ 3.703,65R$ 2.634,21R$ 1.069,44R$ 300.513,89
80R$ 3.694,31R$ 2.624,87R$ 1.069,44R$ 299.444,44
81R$ 3.684,97R$ 2.615,53R$ 1.069,44R$ 298.375,00
82R$ 3.675,63R$ 2.606,18R$ 1.069,44R$ 297.305,56
83R$ 3.666,29R$ 2.596,84R$ 1.069,44R$ 296.236,11
84R$ 3.656,95R$ 2.587,50R$ 1.069,44R$ 295.166,67
85R$ 3.647,61R$ 2.578,16R$ 1.069,44R$ 294.097,22
86R$ 3.638,26R$ 2.568,82R$ 1.069,44R$ 293.027,78
87R$ 3.628,92R$ 2.559,48R$ 1.069,44R$ 291.958,33
88R$ 3.619,58R$ 2.550,14R$ 1.069,44R$ 290.888,89
89R$ 3.610,24R$ 2.540,80R$ 1.069,44R$ 289.819,44
90R$ 3.600,90R$ 2.531,46R$ 1.069,44R$ 288.750,00
91R$ 3.591,56R$ 2.522,11R$ 1.069,44R$ 287.680,56
92R$ 3.582,22R$ 2.512,77R$ 1.069,44R$ 286.611,11
93R$ 3.572,88R$ 2.503,43R$ 1.069,44R$ 285.541,67
94R$ 3.563,53R$ 2.494,09R$ 1.069,44R$ 284.472,22
95R$ 3.554,19R$ 2.484,75R$ 1.069,44R$ 283.402,78
96R$ 3.544,85R$ 2.475,41R$ 1.069,44R$ 282.333,33
97R$ 3.535,51R$ 2.466,07R$ 1.069,44R$ 281.263,89
98R$ 3.526,17R$ 2.456,73R$ 1.069,44R$ 280.194,44
99R$ 3.516,83R$ 2.447,38R$ 1.069,44R$ 279.125,00
100R$ 3.507,49R$ 2.438,04R$ 1.069,44R$ 278.055,56
101R$ 3.498,15R$ 2.428,70R$ 1.069,44R$ 276.986,11
102R$ 3.488,81R$ 2.419,36R$ 1.069,44R$ 275.916,67
103R$ 3.479,46R$ 2.410,02R$ 1.069,44R$ 274.847,22
104R$ 3.470,12R$ 2.400,68R$ 1.069,44R$ 273.777,78
105R$ 3.460,78R$ 2.391,34R$ 1.069,44R$ 272.708,33
106R$ 3.451,44R$ 2.382,00R$ 1.069,44R$ 271.638,89
107R$ 3.442,10R$ 2.372,66R$ 1.069,44R$ 270.569,44
108R$ 3.432,76R$ 2.363,31R$ 1.069,44R$ 269.500,00
109R$ 3.423,42R$ 2.353,97R$ 1.069,44R$ 268.430,56
110R$ 3.414,08R$ 2.344,63R$ 1.069,44R$ 267.361,11
111R$ 3.404,74R$ 2.335,29R$ 1.069,44R$ 266.291,67
112R$ 3.395,39R$ 2.325,95R$ 1.069,44R$ 265.222,22
113R$ 3.386,05R$ 2.316,61R$ 1.069,44R$ 264.152,78
114R$ 3.376,71R$ 2.307,27R$ 1.069,44R$ 263.083,33
115R$ 3.367,37R$ 2.297,93R$ 1.069,44R$ 262.013,89
116R$ 3.358,03R$ 2.288,58R$ 1.069,44R$ 260.944,44
117R$ 3.348,69R$ 2.279,24R$ 1.069,44R$ 259.875,00
118R$ 3.339,35R$ 2.269,90R$ 1.069,44R$ 258.805,56
119R$ 3.330,01R$ 2.260,56R$ 1.069,44R$ 257.736,11
120R$ 3.320,66R$ 2.251,22R$ 1.069,44R$ 256.666,67
121R$ 3.311,32R$ 2.241,88R$ 1.069,44R$ 255.597,22
122R$ 3.301,98R$ 2.232,54R$ 1.069,44R$ 254.527,78
123R$ 3.292,64R$ 2.223,20R$ 1.069,44R$ 253.458,33
124R$ 3.283,30R$ 2.213,86R$ 1.069,44R$ 252.388,89
125R$ 3.273,96R$ 2.204,51R$ 1.069,44R$ 251.319,44
126R$ 3.264,62R$ 2.195,17R$ 1.069,44R$ 250.250,00
127R$ 3.255,28R$ 2.185,83R$ 1.069,44R$ 249.180,56
128R$ 3.245,94R$ 2.176,49R$ 1.069,44R$ 248.111,11
129R$ 3.236,59R$ 2.167,15R$ 1.069,44R$ 247.041,67
130R$ 3.227,25R$ 2.157,81R$ 1.069,44R$ 245.972,22
131R$ 3.217,91R$ 2.148,47R$ 1.069,44R$ 244.902,78
132R$ 3.208,57R$ 2.139,13R$ 1.069,44R$ 243.833,33
133R$ 3.199,23R$ 2.129,79R$ 1.069,44R$ 242.763,89
134R$ 3.189,89R$ 2.120,44R$ 1.069,44R$ 241.694,44
135R$ 3.180,55R$ 2.111,10R$ 1.069,44R$ 240.625,00
136R$ 3.171,21R$ 2.101,76R$ 1.069,44R$ 239.555,56
137R$ 3.161,86R$ 2.092,42R$ 1.069,44R$ 238.486,11
138R$ 3.152,52R$ 2.083,08R$ 1.069,44R$ 237.416,67
139R$ 3.143,18R$ 2.073,74R$ 1.069,44R$ 236.347,22
140R$ 3.133,84R$ 2.064,40R$ 1.069,44R$ 235.277,78
141R$ 3.124,50R$ 2.055,06R$ 1.069,44R$ 234.208,33
142R$ 3.115,16R$ 2.045,71R$ 1.069,44R$ 233.138,89
143R$ 3.105,82R$ 2.036,37R$ 1.069,44R$ 232.069,44
144R$ 3.096,48R$ 2.027,03R$ 1.069,44R$ 231.000,00
145R$ 3.087,14R$ 2.017,69R$ 1.069,44R$ 229.930,56
146R$ 3.077,79R$ 2.008,35R$ 1.069,44R$ 228.861,11
147R$ 3.068,45R$ 1.999,01R$ 1.069,44R$ 227.791,67
148R$ 3.059,11R$ 1.989,67R$ 1.069,44R$ 226.722,22
149R$ 3.049,77R$ 1.980,33R$ 1.069,44R$ 225.652,78
150R$ 3.040,43R$ 1.970,99R$ 1.069,44R$ 224.583,33
151R$ 3.031,09R$ 1.961,64R$ 1.069,44R$ 223.513,89
152R$ 3.021,75R$ 1.952,30R$ 1.069,44R$ 222.444,44
153R$ 3.012,41R$ 1.942,96R$ 1.069,44R$ 221.375,00
154R$ 3.003,07R$ 1.933,62R$ 1.069,44R$ 220.305,56
155R$ 2.993,72R$ 1.924,28R$ 1.069,44R$ 219.236,11
156R$ 2.984,38R$ 1.914,94R$ 1.069,44R$ 218.166,67
157R$ 2.975,04R$ 1.905,60R$ 1.069,44R$ 217.097,22
158R$ 2.965,70R$ 1.896,26R$ 1.069,44R$ 216.027,78
159R$ 2.956,36R$ 1.886,91R$ 1.069,44R$ 214.958,33
160R$ 2.947,02R$ 1.877,57R$ 1.069,44R$ 213.888,89
161R$ 2.937,68R$ 1.868,23R$ 1.069,44R$ 212.819,44
162R$ 2.928,34R$ 1.858,89R$ 1.069,44R$ 211.750,00
163R$ 2.918,99R$ 1.849,55R$ 1.069,44R$ 210.680,56
164R$ 2.909,65R$ 1.840,21R$ 1.069,44R$ 209.611,11
165R$ 2.900,31R$ 1.830,87R$ 1.069,44R$ 208.541,67
166R$ 2.890,97R$ 1.821,53R$ 1.069,44R$ 207.472,22
167R$ 2.881,63R$ 1.812,19R$ 1.069,44R$ 206.402,78
168R$ 2.872,29R$ 1.802,84R$ 1.069,44R$ 205.333,33
169R$ 2.862,95R$ 1.793,50R$ 1.069,44R$ 204.263,89
170R$ 2.853,61R$ 1.784,16R$ 1.069,44R$ 203.194,44
171R$ 2.844,27R$ 1.774,82R$ 1.069,44R$ 202.125,00
172R$ 2.834,92R$ 1.765,48R$ 1.069,44R$ 201.055,56
173R$ 2.825,58R$ 1.756,14R$ 1.069,44R$ 199.986,11
174R$ 2.816,24R$ 1.746,80R$ 1.069,44R$ 198.916,67
175R$ 2.806,90R$ 1.737,46R$ 1.069,44R$ 197.847,22
176R$ 2.797,56R$ 1.728,12R$ 1.069,44R$ 196.777,78
177R$ 2.788,22R$ 1.718,77R$ 1.069,44R$ 195.708,33
178R$ 2.778,88R$ 1.709,43R$ 1.069,44R$ 194.638,89
179R$ 2.769,54R$ 1.700,09R$ 1.069,44R$ 193.569,44
180R$ 2.760,19R$ 1.690,75R$ 1.069,44R$ 192.500,00
181R$ 2.750,85R$ 1.681,41R$ 1.069,44R$ 191.430,56
182R$ 2.741,51R$ 1.672,07R$ 1.069,44R$ 190.361,11
183R$ 2.732,17R$ 1.662,73R$ 1.069,44R$ 189.291,67
184R$ 2.722,83R$ 1.653,39R$ 1.069,44R$ 188.222,22
185R$ 2.713,49R$ 1.644,04R$ 1.069,44R$ 187.152,78
186R$ 2.704,15R$ 1.634,70R$ 1.069,44R$ 186.083,33
187R$ 2.694,81R$ 1.625,36R$ 1.069,44R$ 185.013,89
188R$ 2.685,47R$ 1.616,02R$ 1.069,44R$ 183.944,44
189R$ 2.676,12R$ 1.606,68R$ 1.069,44R$ 182.875,00
190R$ 2.666,78R$ 1.597,34R$ 1.069,44R$ 181.805,56
191R$ 2.657,44R$ 1.588,00R$ 1.069,44R$ 180.736,11
192R$ 2.648,10R$ 1.578,66R$ 1.069,44R$ 179.666,67
193R$ 2.638,76R$ 1.569,32R$ 1.069,44R$ 178.597,22
194R$ 2.629,42R$ 1.559,97R$ 1.069,44R$ 177.527,78
195R$ 2.620,08R$ 1.550,63R$ 1.069,44R$ 176.458,33
196R$ 2.610,74R$ 1.541,29R$ 1.069,44R$ 175.388,89
197R$ 2.601,40R$ 1.531,95R$ 1.069,44R$ 174.319,44
198R$ 2.592,05R$ 1.522,61R$ 1.069,44R$ 173.250,00
199R$ 2.582,71R$ 1.513,27R$ 1.069,44R$ 172.180,56
200R$ 2.573,37R$ 1.503,93R$ 1.069,44R$ 171.111,11
201R$ 2.564,03R$ 1.494,59R$ 1.069,44R$ 170.041,67
202R$ 2.554,69R$ 1.485,24R$ 1.069,44R$ 168.972,22
203R$ 2.545,35R$ 1.475,90R$ 1.069,44R$ 167.902,78
204R$ 2.536,01R$ 1.466,56R$ 1.069,44R$ 166.833,33
205R$ 2.526,67R$ 1.457,22R$ 1.069,44R$ 165.763,89
206R$ 2.517,32R$ 1.447,88R$ 1.069,44R$ 164.694,44
207R$ 2.507,98R$ 1.438,54R$ 1.069,44R$ 163.625,00
208R$ 2.498,64R$ 1.429,20R$ 1.069,44R$ 162.555,56
209R$ 2.489,30R$ 1.419,86R$ 1.069,44R$ 161.486,11
210R$ 2.479,96R$ 1.410,52R$ 1.069,44R$ 160.416,67
211R$ 2.470,62R$ 1.401,17R$ 1.069,44R$ 159.347,22
212R$ 2.461,28R$ 1.391,83R$ 1.069,44R$ 158.277,78
213R$ 2.451,94R$ 1.382,49R$ 1.069,44R$ 157.208,33
214R$ 2.442,60R$ 1.373,15R$ 1.069,44R$ 156.138,89
215R$ 2.433,25R$ 1.363,81R$ 1.069,44R$ 155.069,44
216R$ 2.423,91R$ 1.354,47R$ 1.069,44R$ 154.000,00
217R$ 2.414,57R$ 1.345,13R$ 1.069,44R$ 152.930,56
218R$ 2.405,23R$ 1.335,79R$ 1.069,44R$ 151.861,11
219R$ 2.395,89R$ 1.326,45R$ 1.069,44R$ 150.791,67
220R$ 2.386,55R$ 1.317,10R$ 1.069,44R$ 149.722,22
221R$ 2.377,21R$ 1.307,76R$ 1.069,44R$ 148.652,78
222R$ 2.367,87R$ 1.298,42R$ 1.069,44R$ 147.583,33
223R$ 2.358,52R$ 1.289,08R$ 1.069,44R$ 146.513,89
224R$ 2.349,18R$ 1.279,74R$ 1.069,44R$ 145.444,44
225R$ 2.339,84R$ 1.270,40R$ 1.069,44R$ 144.375,00
226R$ 2.330,50R$ 1.261,06R$ 1.069,44R$ 143.305,56
227R$ 2.321,16R$ 1.251,72R$ 1.069,44R$ 142.236,11
228R$ 2.311,82R$ 1.242,37R$ 1.069,44R$ 141.166,67
229R$ 2.302,48R$ 1.233,03R$ 1.069,44R$ 140.097,22
230R$ 2.293,14R$ 1.223,69R$ 1.069,44R$ 139.027,78
231R$ 2.283,80R$ 1.214,35R$ 1.069,44R$ 137.958,33
232R$ 2.274,45R$ 1.205,01R$ 1.069,44R$ 136.888,89
233R$ 2.265,11R$ 1.195,67R$ 1.069,44R$ 135.819,44
234R$ 2.255,77R$ 1.186,33R$ 1.069,44R$ 134.750,00
235R$ 2.246,43R$ 1.176,99R$ 1.069,44R$ 133.680,56
236R$ 2.237,09R$ 1.167,65R$ 1.069,44R$ 132.611,11
237R$ 2.227,75R$ 1.158,30R$ 1.069,44R$ 131.541,67
238R$ 2.218,41R$ 1.148,96R$ 1.069,44R$ 130.472,22
239R$ 2.209,07R$ 1.139,62R$ 1.069,44R$ 129.402,78
240R$ 2.199,73R$ 1.130,28R$ 1.069,44R$ 128.333,33
241R$ 2.190,38R$ 1.120,94R$ 1.069,44R$ 127.263,89
242R$ 2.181,04R$ 1.111,60R$ 1.069,44R$ 126.194,44
243R$ 2.171,70R$ 1.102,26R$ 1.069,44R$ 125.125,00
244R$ 2.162,36R$ 1.092,92R$ 1.069,44R$ 124.055,56
245R$ 2.153,02R$ 1.083,57R$ 1.069,44R$ 122.986,11
246R$ 2.143,68R$ 1.074,23R$ 1.069,44R$ 121.916,67
247R$ 2.134,34R$ 1.064,89R$ 1.069,44R$ 120.847,22
248R$ 2.125,00R$ 1.055,55R$ 1.069,44R$ 119.777,78
249R$ 2.115,65R$ 1.046,21R$ 1.069,44R$ 118.708,33
250R$ 2.106,31R$ 1.036,87R$ 1.069,44R$ 117.638,89
251R$ 2.096,97R$ 1.027,53R$ 1.069,44R$ 116.569,44
252R$ 2.087,63R$ 1.018,19R$ 1.069,44R$ 115.500,00
253R$ 2.078,29R$ 1.008,85R$ 1.069,44R$ 114.430,56
254R$ 2.068,95R$ 999,50R$ 1.069,44R$ 113.361,11
255R$ 2.059,61R$ 990,16R$ 1.069,44R$ 112.291,67
256R$ 2.050,27R$ 980,82R$ 1.069,44R$ 111.222,22
257R$ 2.040,93R$ 971,48R$ 1.069,44R$ 110.152,78
258R$ 2.031,58R$ 962,14R$ 1.069,44R$ 109.083,33
259R$ 2.022,24R$ 952,80R$ 1.069,44R$ 108.013,89
260R$ 2.012,90R$ 943,46R$ 1.069,44R$ 106.944,44
261R$ 2.003,56R$ 934,12R$ 1.069,44R$ 105.875,00
262R$ 1.994,22R$ 924,78R$ 1.069,44R$ 104.805,56
263R$ 1.984,88R$ 915,43R$ 1.069,44R$ 103.736,11
264R$ 1.975,54R$ 906,09R$ 1.069,44R$ 102.666,67
265R$ 1.966,20R$ 896,75R$ 1.069,44R$ 101.597,22
266R$ 1.956,85R$ 887,41R$ 1.069,44R$ 100.527,78
267R$ 1.947,51R$ 878,07R$ 1.069,44R$ 99.458,33
268R$ 1.938,17R$ 868,73R$ 1.069,44R$ 98.388,89
269R$ 1.928,83R$ 859,39R$ 1.069,44R$ 97.319,44
270R$ 1.919,49R$ 850,05R$ 1.069,44R$ 96.250,00
271R$ 1.910,15R$ 840,70R$ 1.069,44R$ 95.180,56
272R$ 1.900,81R$ 831,36R$ 1.069,44R$ 94.111,11
273R$ 1.891,47R$ 822,02R$ 1.069,44R$ 93.041,67
274R$ 1.882,13R$ 812,68R$ 1.069,44R$ 91.972,22
275R$ 1.872,78R$ 803,34R$ 1.069,44R$ 90.902,78
276R$ 1.863,44R$ 794,00R$ 1.069,44R$ 89.833,33
277R$ 1.854,10R$ 784,66R$ 1.069,44R$ 88.763,89
278R$ 1.844,76R$ 775,32R$ 1.069,44R$ 87.694,44
279R$ 1.835,42R$ 765,98R$ 1.069,44R$ 86.625,00
280R$ 1.826,08R$ 756,63R$ 1.069,44R$ 85.555,56
281R$ 1.816,74R$ 747,29R$ 1.069,44R$ 84.486,11
282R$ 1.807,40R$ 737,95R$ 1.069,44R$ 83.416,67
283R$ 1.798,06R$ 728,61R$ 1.069,44R$ 82.347,22
284R$ 1.788,71R$ 719,27R$ 1.069,44R$ 81.277,78
285R$ 1.779,37R$ 709,93R$ 1.069,44R$ 80.208,33
286R$ 1.770,03R$ 700,59R$ 1.069,44R$ 79.138,89
287R$ 1.760,69R$ 691,25R$ 1.069,44R$ 78.069,44
288R$ 1.751,35R$ 681,90R$ 1.069,44R$ 77.000,00
289R$ 1.742,01R$ 672,56R$ 1.069,44R$ 75.930,56
290R$ 1.732,67R$ 663,22R$ 1.069,44R$ 74.861,11
291R$ 1.723,33R$ 653,88R$ 1.069,44R$ 73.791,67
292R$ 1.713,98R$ 644,54R$ 1.069,44R$ 72.722,22
293R$ 1.704,64R$ 635,20R$ 1.069,44R$ 71.652,78
294R$ 1.695,30R$ 625,86R$ 1.069,44R$ 70.583,33
295R$ 1.685,96R$ 616,52R$ 1.069,44R$ 69.513,89
296R$ 1.676,62R$ 607,18R$ 1.069,44R$ 68.444,44
297R$ 1.667,28R$ 597,83R$ 1.069,44R$ 67.375,00
298R$ 1.657,94R$ 588,49R$ 1.069,44R$ 66.305,56
299R$ 1.648,60R$ 579,15R$ 1.069,44R$ 65.236,11
300R$ 1.639,26R$ 569,81R$ 1.069,44R$ 64.166,67
301R$ 1.629,91R$ 560,47R$ 1.069,44R$ 63.097,22
302R$ 1.620,57R$ 551,13R$ 1.069,44R$ 62.027,78
303R$ 1.611,23R$ 541,79R$ 1.069,44R$ 60.958,33
304R$ 1.601,89R$ 532,45R$ 1.069,44R$ 59.888,89
305R$ 1.592,55R$ 523,11R$ 1.069,44R$ 58.819,44
306R$ 1.583,21R$ 513,76R$ 1.069,44R$ 57.750,00
307R$ 1.573,87R$ 504,42R$ 1.069,44R$ 56.680,56
308R$ 1.564,53R$ 495,08R$ 1.069,44R$ 55.611,11
309R$ 1.555,18R$ 485,74R$ 1.069,44R$ 54.541,67
310R$ 1.545,84R$ 476,40R$ 1.069,44R$ 53.472,22
311R$ 1.536,50R$ 467,06R$ 1.069,44R$ 52.402,78
312R$ 1.527,16R$ 457,72R$ 1.069,44R$ 51.333,33
313R$ 1.517,82R$ 448,38R$ 1.069,44R$ 50.263,89
314R$ 1.508,48R$ 439,03R$ 1.069,44R$ 49.194,44
315R$ 1.499,14R$ 429,69R$ 1.069,44R$ 48.125,00
316R$ 1.489,80R$ 420,35R$ 1.069,44R$ 47.055,56
317R$ 1.480,46R$ 411,01R$ 1.069,44R$ 45.986,11
318R$ 1.471,11R$ 401,67R$ 1.069,44R$ 44.916,67
319R$ 1.461,77R$ 392,33R$ 1.069,44R$ 43.847,22
320R$ 1.452,43R$ 382,99R$ 1.069,44R$ 42.777,78
321R$ 1.443,09R$ 373,65R$ 1.069,44R$ 41.708,33
322R$ 1.433,75R$ 364,31R$ 1.069,44R$ 40.638,89
323R$ 1.424,41R$ 354,96R$ 1.069,44R$ 39.569,44
324R$ 1.415,07R$ 345,62R$ 1.069,44R$ 38.500,00
325R$ 1.405,73R$ 336,28R$ 1.069,44R$ 37.430,56
326R$ 1.396,39R$ 326,94R$ 1.069,44R$ 36.361,11
327R$ 1.387,04R$ 317,60R$ 1.069,44R$ 35.291,67
328R$ 1.377,70R$ 308,26R$ 1.069,44R$ 34.222,22
329R$ 1.368,36R$ 298,92R$ 1.069,44R$ 33.152,78
330R$ 1.359,02R$ 289,58R$ 1.069,44R$ 32.083,33
331R$ 1.349,68R$ 280,23R$ 1.069,44R$ 31.013,89
332R$ 1.340,34R$ 270,89R$ 1.069,44R$ 29.944,44
333R$ 1.331,00R$ 261,55R$ 1.069,44R$ 28.875,00
334R$ 1.321,66R$ 252,21R$ 1.069,44R$ 27.805,56
335R$ 1.312,31R$ 242,87R$ 1.069,44R$ 26.736,11
336R$ 1.302,97R$ 233,53R$ 1.069,44R$ 25.666,67
337R$ 1.293,63R$ 224,19R$ 1.069,44R$ 24.597,22
338R$ 1.284,29R$ 214,85R$ 1.069,44R$ 23.527,78
339R$ 1.274,95R$ 205,51R$ 1.069,44R$ 22.458,33
340R$ 1.265,61R$ 196,16R$ 1.069,44R$ 21.388,89
341R$ 1.256,27R$ 186,82R$ 1.069,44R$ 20.319,44
342R$ 1.246,93R$ 177,48R$ 1.069,44R$ 19.250,00
343R$ 1.237,59R$ 168,14R$ 1.069,44R$ 18.180,56
344R$ 1.228,24R$ 158,80R$ 1.069,44R$ 17.111,11
345R$ 1.218,90R$ 149,46R$ 1.069,44R$ 16.041,67
346R$ 1.209,56R$ 140,12R$ 1.069,44R$ 14.972,22
347R$ 1.200,22R$ 130,78R$ 1.069,44R$ 13.902,78
348R$ 1.190,88R$ 121,44R$ 1.069,44R$ 12.833,33
349R$ 1.181,54R$ 112,09R$ 1.069,44R$ 11.763,89
350R$ 1.172,20R$ 102,75R$ 1.069,44R$ 10.694,44
351R$ 1.162,86R$ 93,41R$ 1.069,44R$ 9.625,00
352R$ 1.153,51R$ 84,07R$ 1.069,44R$ 8.555,56
353R$ 1.144,17R$ 74,73R$ 1.069,44R$ 7.486,11
354R$ 1.134,83R$ 65,39R$ 1.069,44R$ 6.416,67
355R$ 1.125,49R$ 56,05R$ 1.069,44R$ 5.347,22
356R$ 1.116,15R$ 46,71R$ 1.069,44R$ 4.277,78
357R$ 1.106,81R$ 37,36R$ 1.069,44R$ 3.208,33
358R$ 1.097,47R$ 28,02R$ 1.069,44R$ 2.138,89
359R$ 1.088,13R$ 18,68R$ 1.069,44R$ 1.069,44
360R$ 1.078,79R$ 9,34R$ 1.069,44R$ 0,00
Explore uma possibilidade

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

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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$ 606.988,76 em juros, contra R$ 880.913,37 na Price: diferença de R$ 273.924,60 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$ 106.133,85. A diferença não inclui seguros, tarifas nem indexação.

A entrada equivale a 30% 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$ 4.432,26R$ 1.078,79R$ 606.988,76R$ 1.156.988,76
PriceR$ 3.516,43R$ 3.516,43R$ 880.913,37R$ 1.430.913,37

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?

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