calculeantes.
Financiamento de imóveis · Exemplo editável

Imóvel de R$ 650 mil: entrada 20%, 30 anos

Financie R$ 520 mil após entrada de R$ 130 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$ 130.000,00 de entrada, são financiados R$ 520.000,00. No SAC, a primeira parcela é R$ 5.986,43 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$ 130.000,00 de entrada, o valor financiado é R$ 520.000,00. Taxa efetiva de 11% ao ano.

Primeira parcelaR$ 5.986,43
Juros no períodoR$ 819.828,98
Total com entrada e custosR$ 1.469.828,98
Financiamento para sua parcelaR$ 347.452,30Limite matemático; não é aprovação de crédito.
PrincipalR$ 520.000,00
JurosR$ 819.828,98
EncargosR$ 0,00
Ver os valores usados neste cálculo
Última parcela
R$ 1.457,06
Encargos mensais no prazo
R$ 0,00
Juros SAC
R$ 819.828,98
Juros Price
R$ 1.189.805,07

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$ 5.986,43R$ 4.541,99R$ 1.444,44R$ 518.555,56
2R$ 5.973,82R$ 4.529,37R$ 1.444,44R$ 517.111,11
3R$ 5.961,20R$ 4.516,76R$ 1.444,44R$ 515.666,67
4R$ 5.948,58R$ 4.504,14R$ 1.444,44R$ 514.222,22
5R$ 5.935,97R$ 4.491,52R$ 1.444,44R$ 512.777,78
6R$ 5.923,35R$ 4.478,91R$ 1.444,44R$ 511.333,33
7R$ 5.910,73R$ 4.466,29R$ 1.444,44R$ 509.888,89
8R$ 5.898,12R$ 4.453,67R$ 1.444,44R$ 508.444,44
9R$ 5.885,50R$ 4.441,06R$ 1.444,44R$ 507.000,00
10R$ 5.872,88R$ 4.428,44R$ 1.444,44R$ 505.555,56
11R$ 5.860,27R$ 4.415,82R$ 1.444,44R$ 504.111,11
12R$ 5.847,65R$ 4.403,21R$ 1.444,44R$ 502.666,67
13R$ 5.835,03R$ 4.390,59R$ 1.444,44R$ 501.222,22
14R$ 5.822,42R$ 4.377,97R$ 1.444,44R$ 499.777,78
15R$ 5.809,80R$ 4.365,36R$ 1.444,44R$ 498.333,33
16R$ 5.797,18R$ 4.352,74R$ 1.444,44R$ 496.888,89
17R$ 5.784,57R$ 4.340,12R$ 1.444,44R$ 495.444,44
18R$ 5.771,95R$ 4.327,51R$ 1.444,44R$ 494.000,00
19R$ 5.759,33R$ 4.314,89R$ 1.444,44R$ 492.555,56
20R$ 5.746,72R$ 4.302,27R$ 1.444,44R$ 491.111,11
21R$ 5.734,10R$ 4.289,66R$ 1.444,44R$ 489.666,67
22R$ 5.721,48R$ 4.277,04R$ 1.444,44R$ 488.222,22
23R$ 5.708,87R$ 4.264,42R$ 1.444,44R$ 486.777,78
24R$ 5.696,25R$ 4.251,81R$ 1.444,44R$ 485.333,33
25R$ 5.683,63R$ 4.239,19R$ 1.444,44R$ 483.888,89
26R$ 5.671,02R$ 4.226,57R$ 1.444,44R$ 482.444,44
27R$ 5.658,40R$ 4.213,96R$ 1.444,44R$ 481.000,00
28R$ 5.645,78R$ 4.201,34R$ 1.444,44R$ 479.555,56
29R$ 5.633,17R$ 4.188,72R$ 1.444,44R$ 478.111,11
30R$ 5.620,55R$ 4.176,11R$ 1.444,44R$ 476.666,67
31R$ 5.607,93R$ 4.163,49R$ 1.444,44R$ 475.222,22
32R$ 5.595,32R$ 4.150,87R$ 1.444,44R$ 473.777,78
33R$ 5.582,70R$ 4.138,26R$ 1.444,44R$ 472.333,33
34R$ 5.570,08R$ 4.125,64R$ 1.444,44R$ 470.888,89
35R$ 5.557,47R$ 4.113,02R$ 1.444,44R$ 469.444,44
36R$ 5.544,85R$ 4.100,41R$ 1.444,44R$ 468.000,00
37R$ 5.532,23R$ 4.087,79R$ 1.444,44R$ 466.555,56
38R$ 5.519,62R$ 4.075,17R$ 1.444,44R$ 465.111,11
39R$ 5.507,00R$ 4.062,56R$ 1.444,44R$ 463.666,67
40R$ 5.494,38R$ 4.049,94R$ 1.444,44R$ 462.222,22
41R$ 5.481,77R$ 4.037,32R$ 1.444,44R$ 460.777,78
42R$ 5.469,15R$ 4.024,71R$ 1.444,44R$ 459.333,33
43R$ 5.456,53R$ 4.012,09R$ 1.444,44R$ 457.888,89
44R$ 5.443,92R$ 3.999,47R$ 1.444,44R$ 456.444,44
45R$ 5.431,30R$ 3.986,86R$ 1.444,44R$ 455.000,00
46R$ 5.418,68R$ 3.974,24R$ 1.444,44R$ 453.555,56
47R$ 5.406,07R$ 3.961,62R$ 1.444,44R$ 452.111,11
48R$ 5.393,45R$ 3.949,01R$ 1.444,44R$ 450.666,67
49R$ 5.380,83R$ 3.936,39R$ 1.444,44R$ 449.222,22
50R$ 5.368,22R$ 3.923,77R$ 1.444,44R$ 447.777,78
51R$ 5.355,60R$ 3.911,16R$ 1.444,44R$ 446.333,33
52R$ 5.342,98R$ 3.898,54R$ 1.444,44R$ 444.888,89
53R$ 5.330,37R$ 3.885,92R$ 1.444,44R$ 443.444,44
54R$ 5.317,75R$ 3.873,31R$ 1.444,44R$ 442.000,00
55R$ 5.305,13R$ 3.860,69R$ 1.444,44R$ 440.555,56
56R$ 5.292,52R$ 3.848,07R$ 1.444,44R$ 439.111,11
57R$ 5.279,90R$ 3.835,46R$ 1.444,44R$ 437.666,67
58R$ 5.267,29R$ 3.822,84R$ 1.444,44R$ 436.222,22
59R$ 5.254,67R$ 3.810,22R$ 1.444,44R$ 434.777,78
60R$ 5.242,05R$ 3.797,61R$ 1.444,44R$ 433.333,33
61R$ 5.229,44R$ 3.784,99R$ 1.444,44R$ 431.888,89
62R$ 5.216,82R$ 3.772,37R$ 1.444,44R$ 430.444,44
63R$ 5.204,20R$ 3.759,76R$ 1.444,44R$ 429.000,00
64R$ 5.191,59R$ 3.747,14R$ 1.444,44R$ 427.555,56
65R$ 5.178,97R$ 3.734,52R$ 1.444,44R$ 426.111,11
66R$ 5.166,35R$ 3.721,91R$ 1.444,44R$ 424.666,67
67R$ 5.153,74R$ 3.709,29R$ 1.444,44R$ 423.222,22
68R$ 5.141,12R$ 3.696,67R$ 1.444,44R$ 421.777,78
69R$ 5.128,50R$ 3.684,06R$ 1.444,44R$ 420.333,33
70R$ 5.115,89R$ 3.671,44R$ 1.444,44R$ 418.888,89
71R$ 5.103,27R$ 3.658,82R$ 1.444,44R$ 417.444,44
72R$ 5.090,65R$ 3.646,21R$ 1.444,44R$ 416.000,00
73R$ 5.078,04R$ 3.633,59R$ 1.444,44R$ 414.555,56
74R$ 5.065,42R$ 3.620,97R$ 1.444,44R$ 413.111,11
75R$ 5.052,80R$ 3.608,36R$ 1.444,44R$ 411.666,67
76R$ 5.040,19R$ 3.595,74R$ 1.444,44R$ 410.222,22
77R$ 5.027,57R$ 3.583,12R$ 1.444,44R$ 408.777,78
78R$ 5.014,95R$ 3.570,51R$ 1.444,44R$ 407.333,33
79R$ 5.002,34R$ 3.557,89R$ 1.444,44R$ 405.888,89
80R$ 4.989,72R$ 3.545,27R$ 1.444,44R$ 404.444,44
81R$ 4.977,10R$ 3.532,66R$ 1.444,44R$ 403.000,00
82R$ 4.964,49R$ 3.520,04R$ 1.444,44R$ 401.555,56
83R$ 4.951,87R$ 3.507,42R$ 1.444,44R$ 400.111,11
84R$ 4.939,25R$ 3.494,81R$ 1.444,44R$ 398.666,67
85R$ 4.926,64R$ 3.482,19R$ 1.444,44R$ 397.222,22
86R$ 4.914,02R$ 3.469,57R$ 1.444,44R$ 395.777,78
87R$ 4.901,40R$ 3.456,96R$ 1.444,44R$ 394.333,33
88R$ 4.888,79R$ 3.444,34R$ 1.444,44R$ 392.888,89
89R$ 4.876,17R$ 3.431,72R$ 1.444,44R$ 391.444,44
90R$ 4.863,55R$ 3.419,11R$ 1.444,44R$ 390.000,00
91R$ 4.850,94R$ 3.406,49R$ 1.444,44R$ 388.555,56
92R$ 4.838,32R$ 3.393,87R$ 1.444,44R$ 387.111,11
93R$ 4.825,70R$ 3.381,26R$ 1.444,44R$ 385.666,67
94R$ 4.813,09R$ 3.368,64R$ 1.444,44R$ 384.222,22
95R$ 4.800,47R$ 3.356,03R$ 1.444,44R$ 382.777,78
96R$ 4.787,85R$ 3.343,41R$ 1.444,44R$ 381.333,33
97R$ 4.775,24R$ 3.330,79R$ 1.444,44R$ 379.888,89
98R$ 4.762,62R$ 3.318,18R$ 1.444,44R$ 378.444,44
99R$ 4.750,00R$ 3.305,56R$ 1.444,44R$ 377.000,00
100R$ 4.737,39R$ 3.292,94R$ 1.444,44R$ 375.555,56
101R$ 4.724,77R$ 3.280,33R$ 1.444,44R$ 374.111,11
102R$ 4.712,15R$ 3.267,71R$ 1.444,44R$ 372.666,67
103R$ 4.699,54R$ 3.255,09R$ 1.444,44R$ 371.222,22
104R$ 4.686,92R$ 3.242,48R$ 1.444,44R$ 369.777,78
105R$ 4.674,30R$ 3.229,86R$ 1.444,44R$ 368.333,33
106R$ 4.661,69R$ 3.217,24R$ 1.444,44R$ 366.888,89
107R$ 4.649,07R$ 3.204,63R$ 1.444,44R$ 365.444,44
108R$ 4.636,45R$ 3.192,01R$ 1.444,44R$ 364.000,00
109R$ 4.623,84R$ 3.179,39R$ 1.444,44R$ 362.555,56
110R$ 4.611,22R$ 3.166,78R$ 1.444,44R$ 361.111,11
111R$ 4.598,60R$ 3.154,16R$ 1.444,44R$ 359.666,67
112R$ 4.585,99R$ 3.141,54R$ 1.444,44R$ 358.222,22
113R$ 4.573,37R$ 3.128,93R$ 1.444,44R$ 356.777,78
114R$ 4.560,75R$ 3.116,31R$ 1.444,44R$ 355.333,33
115R$ 4.548,14R$ 3.103,69R$ 1.444,44R$ 353.888,89
116R$ 4.535,52R$ 3.091,08R$ 1.444,44R$ 352.444,44
117R$ 4.522,90R$ 3.078,46R$ 1.444,44R$ 351.000,00
118R$ 4.510,29R$ 3.065,84R$ 1.444,44R$ 349.555,56
119R$ 4.497,67R$ 3.053,23R$ 1.444,44R$ 348.111,11
120R$ 4.485,05R$ 3.040,61R$ 1.444,44R$ 346.666,67
121R$ 4.472,44R$ 3.027,99R$ 1.444,44R$ 345.222,22
122R$ 4.459,82R$ 3.015,38R$ 1.444,44R$ 343.777,78
123R$ 4.447,20R$ 3.002,76R$ 1.444,44R$ 342.333,33
124R$ 4.434,59R$ 2.990,14R$ 1.444,44R$ 340.888,89
125R$ 4.421,97R$ 2.977,53R$ 1.444,44R$ 339.444,44
126R$ 4.409,35R$ 2.964,91R$ 1.444,44R$ 338.000,00
127R$ 4.396,74R$ 2.952,29R$ 1.444,44R$ 336.555,56
128R$ 4.384,12R$ 2.939,68R$ 1.444,44R$ 335.111,11
129R$ 4.371,50R$ 2.927,06R$ 1.444,44R$ 333.666,67
130R$ 4.358,89R$ 2.914,44R$ 1.444,44R$ 332.222,22
131R$ 4.346,27R$ 2.901,83R$ 1.444,44R$ 330.777,78
132R$ 4.333,65R$ 2.889,21R$ 1.444,44R$ 329.333,33
133R$ 4.321,04R$ 2.876,59R$ 1.444,44R$ 327.888,89
134R$ 4.308,42R$ 2.863,98R$ 1.444,44R$ 326.444,44
135R$ 4.295,80R$ 2.851,36R$ 1.444,44R$ 325.000,00
136R$ 4.283,19R$ 2.838,74R$ 1.444,44R$ 323.555,56
137R$ 4.270,57R$ 2.826,13R$ 1.444,44R$ 322.111,11
138R$ 4.257,95R$ 2.813,51R$ 1.444,44R$ 320.666,67
139R$ 4.245,34R$ 2.800,89R$ 1.444,44R$ 319.222,22
140R$ 4.232,72R$ 2.788,28R$ 1.444,44R$ 317.777,78
141R$ 4.220,10R$ 2.775,66R$ 1.444,44R$ 316.333,33
142R$ 4.207,49R$ 2.763,04R$ 1.444,44R$ 314.888,89
143R$ 4.194,87R$ 2.750,43R$ 1.444,44R$ 313.444,44
144R$ 4.182,25R$ 2.737,81R$ 1.444,44R$ 312.000,00
145R$ 4.169,64R$ 2.725,19R$ 1.444,44R$ 310.555,56
146R$ 4.157,02R$ 2.712,58R$ 1.444,44R$ 309.111,11
147R$ 4.144,40R$ 2.699,96R$ 1.444,44R$ 307.666,67
148R$ 4.131,79R$ 2.687,34R$ 1.444,44R$ 306.222,22
149R$ 4.119,17R$ 2.674,73R$ 1.444,44R$ 304.777,78
150R$ 4.106,55R$ 2.662,11R$ 1.444,44R$ 303.333,33
151R$ 4.093,94R$ 2.649,49R$ 1.444,44R$ 301.888,89
152R$ 4.081,32R$ 2.636,88R$ 1.444,44R$ 300.444,44
153R$ 4.068,70R$ 2.624,26R$ 1.444,44R$ 299.000,00
154R$ 4.056,09R$ 2.611,64R$ 1.444,44R$ 297.555,56
155R$ 4.043,47R$ 2.599,03R$ 1.444,44R$ 296.111,11
156R$ 4.030,85R$ 2.586,41R$ 1.444,44R$ 294.666,67
157R$ 4.018,24R$ 2.573,79R$ 1.444,44R$ 293.222,22
158R$ 4.005,62R$ 2.561,18R$ 1.444,44R$ 291.777,78
159R$ 3.993,00R$ 2.548,56R$ 1.444,44R$ 290.333,33
160R$ 3.980,39R$ 2.535,94R$ 1.444,44R$ 288.888,89
161R$ 3.967,77R$ 2.523,33R$ 1.444,44R$ 287.444,44
162R$ 3.955,15R$ 2.510,71R$ 1.444,44R$ 286.000,00
163R$ 3.942,54R$ 2.498,09R$ 1.444,44R$ 284.555,56
164R$ 3.929,92R$ 2.485,48R$ 1.444,44R$ 283.111,11
165R$ 3.917,31R$ 2.472,86R$ 1.444,44R$ 281.666,67
166R$ 3.904,69R$ 2.460,24R$ 1.444,44R$ 280.222,22
167R$ 3.892,07R$ 2.447,63R$ 1.444,44R$ 278.777,78
168R$ 3.879,46R$ 2.435,01R$ 1.444,44R$ 277.333,33
169R$ 3.866,84R$ 2.422,39R$ 1.444,44R$ 275.888,89
170R$ 3.854,22R$ 2.409,78R$ 1.444,44R$ 274.444,44
171R$ 3.841,61R$ 2.397,16R$ 1.444,44R$ 273.000,00
172R$ 3.828,99R$ 2.384,54R$ 1.444,44R$ 271.555,56
173R$ 3.816,37R$ 2.371,93R$ 1.444,44R$ 270.111,11
174R$ 3.803,76R$ 2.359,31R$ 1.444,44R$ 268.666,67
175R$ 3.791,14R$ 2.346,69R$ 1.444,44R$ 267.222,22
176R$ 3.778,52R$ 2.334,08R$ 1.444,44R$ 265.777,78
177R$ 3.765,91R$ 2.321,46R$ 1.444,44R$ 264.333,33
178R$ 3.753,29R$ 2.308,84R$ 1.444,44R$ 262.888,89
179R$ 3.740,67R$ 2.296,23R$ 1.444,44R$ 261.444,44
180R$ 3.728,06R$ 2.283,61R$ 1.444,44R$ 260.000,00
181R$ 3.715,44R$ 2.270,99R$ 1.444,44R$ 258.555,56
182R$ 3.702,82R$ 2.258,38R$ 1.444,44R$ 257.111,11
183R$ 3.690,21R$ 2.245,76R$ 1.444,44R$ 255.666,67
184R$ 3.677,59R$ 2.233,14R$ 1.444,44R$ 254.222,22
185R$ 3.664,97R$ 2.220,53R$ 1.444,44R$ 252.777,78
186R$ 3.652,36R$ 2.207,91R$ 1.444,44R$ 251.333,33
187R$ 3.639,74R$ 2.195,29R$ 1.444,44R$ 249.888,89
188R$ 3.627,12R$ 2.182,68R$ 1.444,44R$ 248.444,44
189R$ 3.614,51R$ 2.170,06R$ 1.444,44R$ 247.000,00
190R$ 3.601,89R$ 2.157,44R$ 1.444,44R$ 245.555,56
191R$ 3.589,27R$ 2.144,83R$ 1.444,44R$ 244.111,11
192R$ 3.576,66R$ 2.132,21R$ 1.444,44R$ 242.666,67
193R$ 3.564,04R$ 2.119,59R$ 1.444,44R$ 241.222,22
194R$ 3.551,42R$ 2.106,98R$ 1.444,44R$ 239.777,78
195R$ 3.538,81R$ 2.094,36R$ 1.444,44R$ 238.333,33
196R$ 3.526,19R$ 2.081,74R$ 1.444,44R$ 236.888,89
197R$ 3.513,57R$ 2.069,13R$ 1.444,44R$ 235.444,44
198R$ 3.500,96R$ 2.056,51R$ 1.444,44R$ 234.000,00
199R$ 3.488,34R$ 2.043,89R$ 1.444,44R$ 232.555,56
200R$ 3.475,72R$ 2.031,28R$ 1.444,44R$ 231.111,11
201R$ 3.463,11R$ 2.018,66R$ 1.444,44R$ 229.666,67
202R$ 3.450,49R$ 2.006,05R$ 1.444,44R$ 228.222,22
203R$ 3.437,87R$ 1.993,43R$ 1.444,44R$ 226.777,78
204R$ 3.425,26R$ 1.980,81R$ 1.444,44R$ 225.333,33
205R$ 3.412,64R$ 1.968,20R$ 1.444,44R$ 223.888,89
206R$ 3.400,02R$ 1.955,58R$ 1.444,44R$ 222.444,44
207R$ 3.387,41R$ 1.942,96R$ 1.444,44R$ 221.000,00
208R$ 3.374,79R$ 1.930,35R$ 1.444,44R$ 219.555,56
209R$ 3.362,17R$ 1.917,73R$ 1.444,44R$ 218.111,11
210R$ 3.349,56R$ 1.905,11R$ 1.444,44R$ 216.666,67
211R$ 3.336,94R$ 1.892,50R$ 1.444,44R$ 215.222,22
212R$ 3.324,32R$ 1.879,88R$ 1.444,44R$ 213.777,78
213R$ 3.311,71R$ 1.867,26R$ 1.444,44R$ 212.333,33
214R$ 3.299,09R$ 1.854,65R$ 1.444,44R$ 210.888,89
215R$ 3.286,47R$ 1.842,03R$ 1.444,44R$ 209.444,44
216R$ 3.273,86R$ 1.829,41R$ 1.444,44R$ 208.000,00
217R$ 3.261,24R$ 1.816,80R$ 1.444,44R$ 206.555,56
218R$ 3.248,62R$ 1.804,18R$ 1.444,44R$ 205.111,11
219R$ 3.236,01R$ 1.791,56R$ 1.444,44R$ 203.666,67
220R$ 3.223,39R$ 1.778,95R$ 1.444,44R$ 202.222,22
221R$ 3.210,77R$ 1.766,33R$ 1.444,44R$ 200.777,78
222R$ 3.198,16R$ 1.753,71R$ 1.444,44R$ 199.333,33
223R$ 3.185,54R$ 1.741,10R$ 1.444,44R$ 197.888,89
224R$ 3.172,92R$ 1.728,48R$ 1.444,44R$ 196.444,44
225R$ 3.160,31R$ 1.715,86R$ 1.444,44R$ 195.000,00
226R$ 3.147,69R$ 1.703,25R$ 1.444,44R$ 193.555,56
227R$ 3.135,07R$ 1.690,63R$ 1.444,44R$ 192.111,11
228R$ 3.122,46R$ 1.678,01R$ 1.444,44R$ 190.666,67
229R$ 3.109,84R$ 1.665,40R$ 1.444,44R$ 189.222,22
230R$ 3.097,22R$ 1.652,78R$ 1.444,44R$ 187.777,78
231R$ 3.084,61R$ 1.640,16R$ 1.444,44R$ 186.333,33
232R$ 3.071,99R$ 1.627,55R$ 1.444,44R$ 184.888,89
233R$ 3.059,37R$ 1.614,93R$ 1.444,44R$ 183.444,44
234R$ 3.046,76R$ 1.602,31R$ 1.444,44R$ 182.000,00
235R$ 3.034,14R$ 1.589,70R$ 1.444,44R$ 180.555,56
236R$ 3.021,52R$ 1.577,08R$ 1.444,44R$ 179.111,11
237R$ 3.008,91R$ 1.564,46R$ 1.444,44R$ 177.666,67
238R$ 2.996,29R$ 1.551,85R$ 1.444,44R$ 176.222,22
239R$ 2.983,67R$ 1.539,23R$ 1.444,44R$ 174.777,78
240R$ 2.971,06R$ 1.526,61R$ 1.444,44R$ 173.333,33
241R$ 2.958,44R$ 1.514,00R$ 1.444,44R$ 171.888,89
242R$ 2.945,82R$ 1.501,38R$ 1.444,44R$ 170.444,44
243R$ 2.933,21R$ 1.488,76R$ 1.444,44R$ 169.000,00
244R$ 2.920,59R$ 1.476,15R$ 1.444,44R$ 167.555,56
245R$ 2.907,97R$ 1.463,53R$ 1.444,44R$ 166.111,11
246R$ 2.895,36R$ 1.450,91R$ 1.444,44R$ 164.666,67
247R$ 2.882,74R$ 1.438,30R$ 1.444,44R$ 163.222,22
248R$ 2.870,12R$ 1.425,68R$ 1.444,44R$ 161.777,78
249R$ 2.857,51R$ 1.413,06R$ 1.444,44R$ 160.333,33
250R$ 2.844,89R$ 1.400,45R$ 1.444,44R$ 158.888,89
251R$ 2.832,27R$ 1.387,83R$ 1.444,44R$ 157.444,44
252R$ 2.819,66R$ 1.375,21R$ 1.444,44R$ 156.000,00
253R$ 2.807,04R$ 1.362,60R$ 1.444,44R$ 154.555,56
254R$ 2.794,42R$ 1.349,98R$ 1.444,44R$ 153.111,11
255R$ 2.781,81R$ 1.337,36R$ 1.444,44R$ 151.666,67
256R$ 2.769,19R$ 1.324,75R$ 1.444,44R$ 150.222,22
257R$ 2.756,57R$ 1.312,13R$ 1.444,44R$ 148.777,78
258R$ 2.743,96R$ 1.299,51R$ 1.444,44R$ 147.333,33
259R$ 2.731,34R$ 1.286,90R$ 1.444,44R$ 145.888,89
260R$ 2.718,72R$ 1.274,28R$ 1.444,44R$ 144.444,44
261R$ 2.706,11R$ 1.261,66R$ 1.444,44R$ 143.000,00
262R$ 2.693,49R$ 1.249,05R$ 1.444,44R$ 141.555,56
263R$ 2.680,87R$ 1.236,43R$ 1.444,44R$ 140.111,11
264R$ 2.668,26R$ 1.223,81R$ 1.444,44R$ 138.666,67
265R$ 2.655,64R$ 1.211,20R$ 1.444,44R$ 137.222,22
266R$ 2.643,02R$ 1.198,58R$ 1.444,44R$ 135.777,78
267R$ 2.630,41R$ 1.185,96R$ 1.444,44R$ 134.333,33
268R$ 2.617,79R$ 1.173,35R$ 1.444,44R$ 132.888,89
269R$ 2.605,17R$ 1.160,73R$ 1.444,44R$ 131.444,44
270R$ 2.592,56R$ 1.148,11R$ 1.444,44R$ 130.000,00
271R$ 2.579,94R$ 1.135,50R$ 1.444,44R$ 128.555,56
272R$ 2.567,33R$ 1.122,88R$ 1.444,44R$ 127.111,11
273R$ 2.554,71R$ 1.110,26R$ 1.444,44R$ 125.666,67
274R$ 2.542,09R$ 1.097,65R$ 1.444,44R$ 124.222,22
275R$ 2.529,48R$ 1.085,03R$ 1.444,44R$ 122.777,78
276R$ 2.516,86R$ 1.072,41R$ 1.444,44R$ 121.333,33
277R$ 2.504,24R$ 1.059,80R$ 1.444,44R$ 119.888,89
278R$ 2.491,63R$ 1.047,18R$ 1.444,44R$ 118.444,44
279R$ 2.479,01R$ 1.034,56R$ 1.444,44R$ 117.000,00
280R$ 2.466,39R$ 1.021,95R$ 1.444,44R$ 115.555,56
281R$ 2.453,78R$ 1.009,33R$ 1.444,44R$ 114.111,11
282R$ 2.441,16R$ 996,71R$ 1.444,44R$ 112.666,67
283R$ 2.428,54R$ 984,10R$ 1.444,44R$ 111.222,22
284R$ 2.415,93R$ 971,48R$ 1.444,44R$ 109.777,78
285R$ 2.403,31R$ 958,86R$ 1.444,44R$ 108.333,33
286R$ 2.390,69R$ 946,25R$ 1.444,44R$ 106.888,89
287R$ 2.378,08R$ 933,63R$ 1.444,44R$ 105.444,44
288R$ 2.365,46R$ 921,01R$ 1.444,44R$ 104.000,00
289R$ 2.352,84R$ 908,40R$ 1.444,44R$ 102.555,56
290R$ 2.340,23R$ 895,78R$ 1.444,44R$ 101.111,11
291R$ 2.327,61R$ 883,16R$ 1.444,44R$ 99.666,67
292R$ 2.314,99R$ 870,55R$ 1.444,44R$ 98.222,22
293R$ 2.302,38R$ 857,93R$ 1.444,44R$ 96.777,78
294R$ 2.289,76R$ 845,31R$ 1.444,44R$ 95.333,33
295R$ 2.277,14R$ 832,70R$ 1.444,44R$ 93.888,89
296R$ 2.264,53R$ 820,08R$ 1.444,44R$ 92.444,44
297R$ 2.251,91R$ 807,46R$ 1.444,44R$ 91.000,00
298R$ 2.239,29R$ 794,85R$ 1.444,44R$ 89.555,56
299R$ 2.226,68R$ 782,23R$ 1.444,44R$ 88.111,11
300R$ 2.214,06R$ 769,61R$ 1.444,44R$ 86.666,67
301R$ 2.201,44R$ 757,00R$ 1.444,44R$ 85.222,22
302R$ 2.188,83R$ 744,38R$ 1.444,44R$ 83.777,78
303R$ 2.176,21R$ 731,76R$ 1.444,44R$ 82.333,33
304R$ 2.163,59R$ 719,15R$ 1.444,44R$ 80.888,89
305R$ 2.150,98R$ 706,53R$ 1.444,44R$ 79.444,44
306R$ 2.138,36R$ 693,91R$ 1.444,44R$ 78.000,00
307R$ 2.125,74R$ 681,30R$ 1.444,44R$ 76.555,56
308R$ 2.113,13R$ 668,68R$ 1.444,44R$ 75.111,11
309R$ 2.100,51R$ 656,07R$ 1.444,44R$ 73.666,67
310R$ 2.087,89R$ 643,45R$ 1.444,44R$ 72.222,22
311R$ 2.075,28R$ 630,83R$ 1.444,44R$ 70.777,78
312R$ 2.062,66R$ 618,22R$ 1.444,44R$ 69.333,33
313R$ 2.050,04R$ 605,60R$ 1.444,44R$ 67.888,89
314R$ 2.037,43R$ 592,98R$ 1.444,44R$ 66.444,44
315R$ 2.024,81R$ 580,37R$ 1.444,44R$ 65.000,00
316R$ 2.012,19R$ 567,75R$ 1.444,44R$ 63.555,56
317R$ 1.999,58R$ 555,13R$ 1.444,44R$ 62.111,11
318R$ 1.986,96R$ 542,52R$ 1.444,44R$ 60.666,67
319R$ 1.974,34R$ 529,90R$ 1.444,44R$ 59.222,22
320R$ 1.961,73R$ 517,28R$ 1.444,44R$ 57.777,78
321R$ 1.949,11R$ 504,67R$ 1.444,44R$ 56.333,33
322R$ 1.936,49R$ 492,05R$ 1.444,44R$ 54.888,89
323R$ 1.923,88R$ 479,43R$ 1.444,44R$ 53.444,44
324R$ 1.911,26R$ 466,82R$ 1.444,44R$ 52.000,00
325R$ 1.898,64R$ 454,20R$ 1.444,44R$ 50.555,56
326R$ 1.886,03R$ 441,58R$ 1.444,44R$ 49.111,11
327R$ 1.873,41R$ 428,97R$ 1.444,44R$ 47.666,67
328R$ 1.860,79R$ 416,35R$ 1.444,44R$ 46.222,22
329R$ 1.848,18R$ 403,73R$ 1.444,44R$ 44.777,78
330R$ 1.835,56R$ 391,12R$ 1.444,44R$ 43.333,33
331R$ 1.822,94R$ 378,50R$ 1.444,44R$ 41.888,89
332R$ 1.810,33R$ 365,88R$ 1.444,44R$ 40.444,44
333R$ 1.797,71R$ 353,27R$ 1.444,44R$ 39.000,00
334R$ 1.785,09R$ 340,65R$ 1.444,44R$ 37.555,56
335R$ 1.772,48R$ 328,03R$ 1.444,44R$ 36.111,11
336R$ 1.759,86R$ 315,42R$ 1.444,44R$ 34.666,67
337R$ 1.747,24R$ 302,80R$ 1.444,44R$ 33.222,22
338R$ 1.734,63R$ 290,18R$ 1.444,44R$ 31.777,78
339R$ 1.722,01R$ 277,57R$ 1.444,44R$ 30.333,33
340R$ 1.709,39R$ 264,95R$ 1.444,44R$ 28.888,89
341R$ 1.696,78R$ 252,33R$ 1.444,44R$ 27.444,44
342R$ 1.684,16R$ 239,72R$ 1.444,44R$ 26.000,00
343R$ 1.671,54R$ 227,10R$ 1.444,44R$ 24.555,56
344R$ 1.658,93R$ 214,48R$ 1.444,44R$ 23.111,11
345R$ 1.646,31R$ 201,87R$ 1.444,44R$ 21.666,67
346R$ 1.633,69R$ 189,25R$ 1.444,44R$ 20.222,22
347R$ 1.621,08R$ 176,63R$ 1.444,44R$ 18.777,78
348R$ 1.608,46R$ 164,02R$ 1.444,44R$ 17.333,33
349R$ 1.595,84R$ 151,40R$ 1.444,44R$ 15.888,89
350R$ 1.583,23R$ 138,78R$ 1.444,44R$ 14.444,44
351R$ 1.570,61R$ 126,17R$ 1.444,44R$ 13.000,00
352R$ 1.557,99R$ 113,55R$ 1.444,44R$ 11.555,56
353R$ 1.545,38R$ 100,93R$ 1.444,44R$ 10.111,11
354R$ 1.532,76R$ 88,32R$ 1.444,44R$ 8.666,67
355R$ 1.520,14R$ 75,70R$ 1.444,44R$ 7.222,22
356R$ 1.507,53R$ 63,08R$ 1.444,44R$ 5.777,78
357R$ 1.494,91R$ 50,47R$ 1.444,44R$ 4.333,33
358R$ 1.482,29R$ 37,85R$ 1.444,44R$ 2.888,89
359R$ 1.469,68R$ 25,23R$ 1.444,44R$ 1.444,44
360R$ 1.457,06R$ 12,62R$ 1.444,44R$ 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$ 819.828,98 em juros, contra R$ 1.189.805,07 na Price: diferença de R$ 369.976,09 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$ 143.349,61. 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$ 5.986,43R$ 1.457,06R$ 819.828,98R$ 1.469.828,98
PriceR$ 4.749,46R$ 4.749,46R$ 1.189.805,07R$ 1.839.805,07

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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