Calculadora de Hipoteca
Estimar o valor da prestação mensal fixa de um financiamento imobiliário (principal e juros) e o custo total do empréstimo ao longo da vida útil do empréstimo.
Visual summary
Mortgage balance and interest over time
Compare principal and interest, see how each payment interval changes, and follow the projected balance to payoff.
Total repayment
Principal $200,000Interest $231,676
Principal and interest payments
Payoff projection
`r`n
| Period | Principal paid | Interest paid | Remaining balance |
|---|---|---|---|
| Start | $0.00 | $0.00 | $200,000 |
| 15 mo | $3,093 | $14,893 | $196,907 |
| 30 mo | $3,334 | $14,653 | $193,573 |
| 45 mo | $3,593 | $14,394 | $189,980 |
| Year 5 | $3,872 | $14,115 | $186,109 |
| 75 mo | $4,172 | $13,814 | $181,936 |
| 90 mo | $4,497 | $13,490 | $177,440 |
| 105 mo | $4,846 | $13,141 | $172,594 |
| Year 10 | $5,222 | $12,764 | $167,371 |
| 135 mo | $5,628 | $12,358 | $161,743 |
| 150 mo | $6,065 | $11,921 | $155,678 |
| 165 mo | $6,536 | $11,450 | $149,142 |
| Year 15 | $7,044 | $10,942 | $142,098 |
| 195 mo | $7,591 | $10,395 | $134,506 |
| 210 mo | $8,181 | $9,805 | $126,325 |
| 225 mo | $8,817 | $9,170 | $117,509 |
| Year 20 | $9,501 | $8,485 | $108,007 |
| 255 mo | $10,240 | $7,747 | $97,768 |
| 270 mo | $11,035 | $6,951 | $86,733 |
| 285 mo | $11,892 | $6,094 | $74,840 |
| Year 25 | $12,816 | $5,170 | $62,024 |
| 315 mo | $13,812 | $4,175 | $48,212 |
| 330 mo | $14,885 | $3,102 | $33,328 |
| 345 mo | $16,041 | $1,946 | $17,287 |
| Year 30 | $17,287 | $699.53 | $0.00 |
Mortgage repayment analysis
Explore extra payments, rate sensitivity, refinance break-even, and the complete amortization schedule. Estimates exclude fees, insurance, taxes, penalties, and changing rates.
Extra-payment scenario
Refinance scenario
The estimated monthly saving would recover $2,000.00 in refinancing costs after 16 months.
Compare interest rates
| Rate | Monthly payment | Total repaid | Total interest |
|---|---|---|---|
| 3% | $843.21 | $303,554.90 | $103,554.90 |
| 4% | $954.83 | $343,739.01 | $143,739.01 |
| 5% | $1,073.64 | $386,511.57 | $186,511.57 |
| 6% | $1,199.10 | $431,676.38 | $231,676.38 |
| 7% | $1,330.60 | $479,017.80 | $279,017.80 |
| 8% | $1,467.53 | $528,310.49 | $328,310.49 |
Year-by-year summary (30 years)
| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $2,456.02 | $11,933.19 | $197,543.98 |
| 2 | $2,607.51 | $11,781.71 | $194,936.47 |
| 3 | $2,768.33 | $11,620.88 | $192,168.14 |
| 4 | $2,939.08 | $11,450.14 | $189,229.06 |
| 5 | $3,120.35 | $11,268.86 | $186,108.71 |
| 6 | $3,312.81 | $11,076.41 | $182,795.91 |
| 7 | $3,517.13 | $10,872.08 | $179,278.77 |
| 8 | $3,734.06 | $10,655.15 | $175,544.71 |
| 9 | $3,964.37 | $10,424.84 | $171,580.34 |
| 10 | $4,208.89 | $10,180.33 | $167,371.45 |
| 11 | $4,468.48 | $9,920.73 | $162,902.97 |
| 12 | $4,744.09 | $9,645.13 | $158,158.88 |
| 13 | $5,036.69 | $9,352.52 | $153,122.19 |
| 14 | $5,347.34 | $9,041.87 | $147,774.85 |
| 15 | $5,677.16 | $8,712.06 | $142,097.69 |
| 16 | $6,027.31 | $8,361.90 | $136,070.38 |
| 17 | $6,399.06 | $7,990.15 | $129,671.31 |
| 18 | $6,793.74 | $7,595.47 | $122,877.57 |
| 19 | $7,212.77 | $7,176.45 | $115,664.81 |
| 20 | $7,657.63 | $6,731.58 | $108,007.17 |
| 21 | $8,129.94 | $6,259.27 | $99,877.23 |
| 22 | $8,631.38 | $5,757.84 | $91,245.86 |
| 23 | $9,163.74 | $5,225.47 | $82,082.12 |
| 24 | $9,728.94 | $4,660.27 | $72,353.17 |
| 25 | $10,329.00 | $4,060.21 | $62,024.17 |
| 26 | $10,966.07 | $3,423.14 | $51,058.10 |
| 27 | $11,642.43 | $2,746.78 | $39,415.67 |
| 28 | $12,360.51 | $2,028.70 | $27,055.16 |
| 29 | $13,122.88 | $1,266.33 | $13,932.27 |
| 30 | $13,932.27 | $456.94 | $0.00 |
Full monthly amortization schedule (360 months)
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $1,199.10 | $199.10 | $1,000.00 | $199,800.90 |
| 2 | $1,199.10 | $200.10 | $999.00 | $199,600.80 |
| 3 | $1,199.10 | $201.10 | $998.00 | $199,399.71 |
| 4 | $1,199.10 | $202.10 | $997.00 | $199,197.60 |
| 5 | $1,199.10 | $203.11 | $995.99 | $198,994.49 |
| 6 | $1,199.10 | $204.13 | $994.97 | $198,790.36 |
| 7 | $1,199.10 | $205.15 | $993.95 | $198,585.21 |
| 8 | $1,199.10 | $206.17 | $992.93 | $198,379.04 |
| 9 | $1,199.10 | $207.21 | $991.90 | $198,171.83 |
| 10 | $1,199.10 | $208.24 | $990.86 | $197,963.59 |
| 11 | $1,199.10 | $209.28 | $989.82 | $197,754.31 |
| 12 | $1,199.10 | $210.33 | $988.77 | $197,543.98 |
| 13 | $1,199.10 | $211.38 | $987.72 | $197,332.60 |
| 14 | $1,199.10 | $212.44 | $986.66 | $197,120.16 |
| 15 | $1,199.10 | $213.50 | $985.60 | $196,906.66 |
| 16 | $1,199.10 | $214.57 | $984.53 | $196,692.09 |
| 17 | $1,199.10 | $215.64 | $983.46 | $196,476.45 |
| 18 | $1,199.10 | $216.72 | $982.38 | $196,259.73 |
| 19 | $1,199.10 | $217.80 | $981.30 | $196,041.93 |
| 20 | $1,199.10 | $218.89 | $980.21 | $195,823.04 |
| 21 | $1,199.10 | $219.99 | $979.12 | $195,603.05 |
| 22 | $1,199.10 | $221.09 | $978.02 | $195,381.96 |
| 23 | $1,199.10 | $222.19 | $976.91 | $195,159.77 |
| 24 | $1,199.10 | $223.30 | $975.80 | $194,936.47 |
| 25 | $1,199.10 | $224.42 | $974.68 | $194,712.05 |
| 26 | $1,199.10 | $225.54 | $973.56 | $194,486.51 |
| 27 | $1,199.10 | $226.67 | $972.43 | $194,259.84 |
| 28 | $1,199.10 | $227.80 | $971.30 | $194,032.04 |
| 29 | $1,199.10 | $228.94 | $970.16 | $193,803.10 |
| 30 | $1,199.10 | $230.09 | $969.02 | $193,573.01 |
| 31 | $1,199.10 | $231.24 | $967.87 | $193,341.78 |
| 32 | $1,199.10 | $232.39 | $966.71 | $193,109.39 |
| 33 | $1,199.10 | $233.55 | $965.55 | $192,875.83 |
| 34 | $1,199.10 | $234.72 | $964.38 | $192,641.11 |
| 35 | $1,199.10 | $235.90 | $963.21 | $192,405.22 |
| 36 | $1,199.10 | $237.07 | $962.03 | $192,168.14 |
| 37 | $1,199.10 | $238.26 | $960.84 | $191,929.88 |
| 38 | $1,199.10 | $239.45 | $959.65 | $191,690.43 |
| 39 | $1,199.10 | $240.65 | $958.45 | $191,449.78 |
| 40 | $1,199.10 | $241.85 | $957.25 | $191,207.93 |
| 41 | $1,199.10 | $243.06 | $956.04 | $190,964.87 |
| 42 | $1,199.10 | $244.28 | $954.82 | $190,720.59 |
| 43 | $1,199.10 | $245.50 | $953.60 | $190,475.09 |
| 44 | $1,199.10 | $246.73 | $952.38 | $190,228.37 |
| 45 | $1,199.10 | $247.96 | $951.14 | $189,980.41 |
| 46 | $1,199.10 | $249.20 | $949.90 | $189,731.21 |
| 47 | $1,199.10 | $250.45 | $948.66 | $189,480.76 |
| 48 | $1,199.10 | $251.70 | $947.40 | $189,229.06 |
| 49 | $1,199.10 | $252.96 | $946.15 | $188,976.11 |
| 50 | $1,199.10 | $254.22 | $944.88 | $188,721.89 |
| 51 | $1,199.10 | $255.49 | $943.61 | $188,466.40 |
| 52 | $1,199.10 | $256.77 | $942.33 | $188,209.63 |
| 53 | $1,199.10 | $258.05 | $941.05 | $187,951.57 |
| 54 | $1,199.10 | $259.34 | $939.76 | $187,692.23 |
| 55 | $1,199.10 | $260.64 | $938.46 | $187,431.59 |
| 56 | $1,199.10 | $261.94 | $937.16 | $187,169.65 |
| 57 | $1,199.10 | $263.25 | $935.85 | $186,906.40 |
| 58 | $1,199.10 | $264.57 | $934.53 | $186,641.83 |
| 59 | $1,199.10 | $265.89 | $933.21 | $186,375.94 |
| 60 | $1,199.10 | $267.22 | $931.88 | $186,108.71 |
| 61 | $1,199.10 | $268.56 | $930.54 | $185,840.16 |
| 62 | $1,199.10 | $269.90 | $929.20 | $185,570.26 |
| 63 | $1,199.10 | $271.25 | $927.85 | $185,299.01 |
| 64 | $1,199.10 | $272.61 | $926.50 | $185,026.40 |
| 65 | $1,199.10 | $273.97 | $925.13 | $184,752.43 |
| 66 | $1,199.10 | $275.34 | $923.76 | $184,477.09 |
| 67 | $1,199.10 | $276.72 | $922.39 | $184,200.38 |
| 68 | $1,199.10 | $278.10 | $921.00 | $183,922.28 |
| 69 | $1,199.10 | $279.49 | $919.61 | $183,642.79 |
| 70 | $1,199.10 | $280.89 | $918.21 | $183,361.90 |
| 71 | $1,199.10 | $282.29 | $916.81 | $183,079.61 |
| 72 | $1,199.10 | $283.70 | $915.40 | $182,795.91 |
| 73 | $1,199.10 | $285.12 | $913.98 | $182,510.78 |
| 74 | $1,199.10 | $286.55 | $912.55 | $182,224.24 |
| 75 | $1,199.10 | $287.98 | $911.12 | $181,936.26 |
| 76 | $1,199.10 | $289.42 | $909.68 | $181,646.84 |
| 77 | $1,199.10 | $290.87 | $908.23 | $181,355.97 |
| 78 | $1,199.10 | $292.32 | $906.78 | $181,063.65 |
| 79 | $1,199.10 | $293.78 | $905.32 | $180,769.87 |
| 80 | $1,199.10 | $295.25 | $903.85 | $180,474.62 |
| 81 | $1,199.10 | $296.73 | $902.37 | $180,177.89 |
| 82 | $1,199.10 | $298.21 | $900.89 | $179,879.68 |
| 83 | $1,199.10 | $299.70 | $899.40 | $179,579.97 |
| 84 | $1,199.10 | $301.20 | $897.90 | $179,278.77 |
| 85 | $1,199.10 | $302.71 | $896.39 | $178,976.06 |
| 86 | $1,199.10 | $304.22 | $894.88 | $178,671.84 |
| 87 | $1,199.10 | $305.74 | $893.36 | $178,366.10 |
| 88 | $1,199.10 | $307.27 | $891.83 | $178,058.83 |
| 89 | $1,199.10 | $308.81 | $890.29 | $177,750.02 |
| 90 | $1,199.10 | $310.35 | $888.75 | $177,439.67 |
| 91 | $1,199.10 | $311.90 | $887.20 | $177,127.77 |
| 92 | $1,199.10 | $313.46 | $885.64 | $176,814.31 |
| 93 | $1,199.10 | $315.03 | $884.07 | $176,499.28 |
| 94 | $1,199.10 | $316.60 | $882.50 | $176,182.67 |
| 95 | $1,199.10 | $318.19 | $880.91 | $175,864.49 |
| 96 | $1,199.10 | $319.78 | $879.32 | $175,544.71 |
| 97 | $1,199.10 | $321.38 | $877.72 | $175,223.33 |
| 98 | $1,199.10 | $322.98 | $876.12 | $174,900.35 |
| 99 | $1,199.10 | $324.60 | $874.50 | $174,575.75 |
| 100 | $1,199.10 | $326.22 | $872.88 | $174,249.52 |
| 101 | $1,199.10 | $327.85 | $871.25 | $173,921.67 |
| 102 | $1,199.10 | $329.49 | $869.61 | $173,592.18 |
| 103 | $1,199.10 | $331.14 | $867.96 | $173,261.04 |
| 104 | $1,199.10 | $332.80 | $866.31 | $172,928.24 |
| 105 | $1,199.10 | $334.46 | $864.64 | $172,593.78 |
| 106 | $1,199.10 | $336.13 | $862.97 | $172,257.65 |
| 107 | $1,199.10 | $337.81 | $861.29 | $171,919.84 |
| 108 | $1,199.10 | $339.50 | $859.60 | $171,580.34 |
| 109 | $1,199.10 | $341.20 | $857.90 | $171,239.14 |
| 110 | $1,199.10 | $342.91 | $856.20 | $170,896.23 |
| 111 | $1,199.10 | $344.62 | $854.48 | $170,551.61 |
| 112 | $1,199.10 | $346.34 | $852.76 | $170,205.27 |
| 113 | $1,199.10 | $348.07 | $851.03 | $169,857.19 |
| 114 | $1,199.10 | $349.82 | $849.29 | $169,507.38 |
| 115 | $1,199.10 | $351.56 | $847.54 | $169,155.81 |
| 116 | $1,199.10 | $353.32 | $845.78 | $168,802.49 |
| 117 | $1,199.10 | $355.09 | $844.01 | $168,447.40 |
| 118 | $1,199.10 | $356.86 | $842.24 | $168,090.54 |
| 119 | $1,199.10 | $358.65 | $840.45 | $167,731.89 |
| 120 | $1,199.10 | $360.44 | $838.66 | $167,371.45 |
| 121 | $1,199.10 | $362.24 | $836.86 | $167,009.21 |
| 122 | $1,199.10 | $364.06 | $835.05 | $166,645.15 |
| 123 | $1,199.10 | $365.88 | $833.23 | $166,279.28 |
| 124 | $1,199.10 | $367.70 | $831.40 | $165,911.57 |
| 125 | $1,199.10 | $369.54 | $829.56 | $165,542.03 |
| 126 | $1,199.10 | $371.39 | $827.71 | $165,170.64 |
| 127 | $1,199.10 | $373.25 | $825.85 | $164,797.39 |
| 128 | $1,199.10 | $375.11 | $823.99 | $164,422.28 |
| 129 | $1,199.10 | $376.99 | $822.11 | $164,045.29 |
| 130 | $1,199.10 | $378.87 | $820.23 | $163,666.41 |
| 131 | $1,199.10 | $380.77 | $818.33 | $163,285.64 |
| 132 | $1,199.10 | $382.67 | $816.43 | $162,902.97 |
| 133 | $1,199.10 | $384.59 | $814.51 | $162,518.38 |
| 134 | $1,199.10 | $386.51 | $812.59 | $162,131.87 |
| 135 | $1,199.10 | $388.44 | $810.66 | $161,743.43 |
| 136 | $1,199.10 | $390.38 | $808.72 | $161,353.05 |
| 137 | $1,199.10 | $392.34 | $806.77 | $160,960.71 |
| 138 | $1,199.10 | $394.30 | $804.80 | $160,566.41 |
| 139 | $1,199.10 | $396.27 | $802.83 | $160,170.15 |
| 140 | $1,199.10 | $398.25 | $800.85 | $159,771.90 |
| 141 | $1,199.10 | $400.24 | $798.86 | $159,371.65 |
| 142 | $1,199.10 | $402.24 | $796.86 | $158,969.41 |
| 143 | $1,199.10 | $404.25 | $794.85 | $158,565.16 |
| 144 | $1,199.10 | $406.28 | $792.83 | $158,158.88 |
| 145 | $1,199.10 | $408.31 | $790.79 | $157,750.58 |
| 146 | $1,199.10 | $410.35 | $788.75 | $157,340.23 |
| 147 | $1,199.10 | $412.40 | $786.70 | $156,927.83 |
| 148 | $1,199.10 | $414.46 | $784.64 | $156,513.37 |
| 149 | $1,199.10 | $416.53 | $782.57 | $156,096.83 |
| 150 | $1,199.10 | $418.62 | $780.48 | $155,678.21 |
| 151 | $1,199.10 | $420.71 | $778.39 | $155,257.50 |
| 152 | $1,199.10 | $422.81 | $776.29 | $154,834.69 |
| 153 | $1,199.10 | $424.93 | $774.17 | $154,409.76 |
| 154 | $1,199.10 | $427.05 | $772.05 | $153,982.71 |
| 155 | $1,199.10 | $429.19 | $769.91 | $153,553.52 |
| 156 | $1,199.10 | $431.33 | $767.77 | $153,122.19 |
| 157 | $1,199.10 | $433.49 | $765.61 | $152,688.70 |
| 158 | $1,199.10 | $435.66 | $763.44 | $152,253.04 |
| 159 | $1,199.10 | $437.84 | $761.27 | $151,815.21 |
| 160 | $1,199.10 | $440.03 | $759.08 | $151,375.18 |
| 161 | $1,199.10 | $442.23 | $756.88 | $150,932.96 |
| 162 | $1,199.10 | $444.44 | $754.66 | $150,488.52 |
| 163 | $1,199.10 | $446.66 | $752.44 | $150,041.86 |
| 164 | $1,199.10 | $448.89 | $750.21 | $149,592.97 |
| 165 | $1,199.10 | $451.14 | $747.96 | $149,141.83 |
| 166 | $1,199.10 | $453.39 | $745.71 | $148,688.44 |
| 167 | $1,199.10 | $455.66 | $743.44 | $148,232.78 |
| 168 | $1,199.10 | $457.94 | $741.16 | $147,774.85 |
| 169 | $1,199.10 | $460.23 | $738.87 | $147,314.62 |
| 170 | $1,199.10 | $462.53 | $736.57 | $146,852.09 |
| 171 | $1,199.10 | $464.84 | $734.26 | $146,387.25 |
| 172 | $1,199.10 | $467.16 | $731.94 | $145,920.09 |
| 173 | $1,199.10 | $469.50 | $729.60 | $145,450.58 |
| 174 | $1,199.10 | $471.85 | $727.25 | $144,978.74 |
| 175 | $1,199.10 | $474.21 | $724.89 | $144,504.53 |
| 176 | $1,199.10 | $476.58 | $722.52 | $144,027.95 |
| 177 | $1,199.10 | $478.96 | $720.14 | $143,548.99 |
| 178 | $1,199.10 | $481.36 | $717.74 | $143,067.63 |
| 179 | $1,199.10 | $483.76 | $715.34 | $142,583.87 |
| 180 | $1,199.10 | $486.18 | $712.92 | $142,097.69 |
| 181 | $1,199.10 | $488.61 | $710.49 | $141,609.08 |
| 182 | $1,199.10 | $491.06 | $708.05 | $141,118.02 |
| 183 | $1,199.10 | $493.51 | $705.59 | $140,624.51 |
| 184 | $1,199.10 | $495.98 | $703.12 | $140,128.53 |
| 185 | $1,199.10 | $498.46 | $700.64 | $139,630.07 |
| 186 | $1,199.10 | $500.95 | $698.15 | $139,129.12 |
| 187 | $1,199.10 | $503.46 | $695.65 | $138,625.67 |
| 188 | $1,199.10 | $505.97 | $693.13 | $138,119.69 |
| 189 | $1,199.10 | $508.50 | $690.60 | $137,611.19 |
| 190 | $1,199.10 | $511.05 | $688.06 | $137,100.15 |
| 191 | $1,199.10 | $513.60 | $685.50 | $136,586.55 |
| 192 | $1,199.10 | $516.17 | $682.93 | $136,070.38 |
| 193 | $1,199.10 | $518.75 | $680.35 | $135,551.63 |
| 194 | $1,199.10 | $521.34 | $677.76 | $135,030.29 |
| 195 | $1,199.10 | $523.95 | $675.15 | $134,506.34 |
| 196 | $1,199.10 | $526.57 | $672.53 | $133,979.77 |
| 197 | $1,199.10 | $529.20 | $669.90 | $133,450.56 |
| 198 | $1,199.10 | $531.85 | $667.25 | $132,918.72 |
| 199 | $1,199.10 | $534.51 | $664.59 | $132,384.21 |
| 200 | $1,199.10 | $537.18 | $661.92 | $131,847.03 |
| 201 | $1,199.10 | $539.87 | $659.24 | $131,307.16 |
| 202 | $1,199.10 | $542.57 | $656.54 | $130,764.60 |
| 203 | $1,199.10 | $545.28 | $653.82 | $130,219.32 |
| 204 | $1,199.10 | $548.00 | $651.10 | $129,671.31 |
| 205 | $1,199.10 | $550.74 | $648.36 | $129,120.57 |
| 206 | $1,199.10 | $553.50 | $645.60 | $128,567.07 |
| 207 | $1,199.10 | $556.27 | $642.84 | $128,010.81 |
| 208 | $1,199.10 | $559.05 | $640.05 | $127,451.76 |
| 209 | $1,199.10 | $561.84 | $637.26 | $126,889.92 |
| 210 | $1,199.10 | $564.65 | $634.45 | $126,325.27 |
| 211 | $1,199.10 | $567.47 | $631.63 | $125,757.79 |
| 212 | $1,199.10 | $570.31 | $628.79 | $125,187.48 |
| 213 | $1,199.10 | $573.16 | $625.94 | $124,614.32 |
| 214 | $1,199.10 | $576.03 | $623.07 | $124,038.29 |
| 215 | $1,199.10 | $578.91 | $620.19 | $123,459.38 |
| 216 | $1,199.10 | $581.80 | $617.30 | $122,877.57 |
| 217 | $1,199.10 | $584.71 | $614.39 | $122,292.86 |
| 218 | $1,199.10 | $587.64 | $611.46 | $121,705.22 |
| 219 | $1,199.10 | $590.57 | $608.53 | $121,114.65 |
| 220 | $1,199.10 | $593.53 | $605.57 | $120,521.12 |
| 221 | $1,199.10 | $596.50 | $602.61 | $119,924.62 |
| 222 | $1,199.10 | $599.48 | $599.62 | $119,325.15 |
| 223 | $1,199.10 | $602.48 | $596.63 | $118,722.67 |
| 224 | $1,199.10 | $605.49 | $593.61 | $118,117.18 |
| 225 | $1,199.10 | $608.52 | $590.59 | $117,508.67 |
| 226 | $1,199.10 | $611.56 | $587.54 | $116,897.11 |
| 227 | $1,199.10 | $614.62 | $584.49 | $116,282.49 |
| 228 | $1,199.10 | $617.69 | $581.41 | $115,664.81 |
| 229 | $1,199.10 | $620.78 | $578.32 | $115,044.03 |
| 230 | $1,199.10 | $623.88 | $575.22 | $114,420.15 |
| 231 | $1,199.10 | $627.00 | $572.10 | $113,793.15 |
| 232 | $1,199.10 | $630.14 | $568.97 | $113,163.01 |
| 233 | $1,199.10 | $633.29 | $565.82 | $112,529.73 |
| 234 | $1,199.10 | $636.45 | $562.65 | $111,893.27 |
| 235 | $1,199.10 | $639.63 | $559.47 | $111,253.64 |
| 236 | $1,199.10 | $642.83 | $556.27 | $110,610.81 |
| 237 | $1,199.10 | $646.05 | $553.05 | $109,964.76 |
| 238 | $1,199.10 | $649.28 | $549.82 | $109,315.48 |
| 239 | $1,199.10 | $652.52 | $546.58 | $108,662.96 |
| 240 | $1,199.10 | $655.79 | $543.31 | $108,007.17 |
| 241 | $1,199.10 | $659.07 | $540.04 | $107,348.11 |
| 242 | $1,199.10 | $662.36 | $536.74 | $106,685.75 |
| 243 | $1,199.10 | $665.67 | $533.43 | $106,020.07 |
| 244 | $1,199.10 | $669.00 | $530.10 | $105,351.07 |
| 245 | $1,199.10 | $672.35 | $526.76 | $104,678.73 |
| 246 | $1,199.10 | $675.71 | $523.39 | $104,003.02 |
| 247 | $1,199.10 | $679.09 | $520.02 | $103,323.93 |
| 248 | $1,199.10 | $682.48 | $516.62 | $102,641.45 |
| 249 | $1,199.10 | $685.89 | $513.21 | $101,955.56 |
| 250 | $1,199.10 | $689.32 | $509.78 | $101,266.24 |
| 251 | $1,199.10 | $692.77 | $506.33 | $100,573.47 |
| 252 | $1,199.10 | $696.23 | $502.87 | $99,877.23 |
| 253 | $1,199.10 | $699.71 | $499.39 | $99,177.52 |
| 254 | $1,199.10 | $703.21 | $495.89 | $98,474.30 |
| 255 | $1,199.10 | $706.73 | $492.37 | $97,767.57 |
| 256 | $1,199.10 | $710.26 | $488.84 | $97,057.31 |
| 257 | $1,199.10 | $713.81 | $485.29 | $96,343.50 |
| 258 | $1,199.10 | $717.38 | $481.72 | $95,626.11 |
| 259 | $1,199.10 | $720.97 | $478.13 | $94,905.14 |
| 260 | $1,199.10 | $724.58 | $474.53 | $94,180.57 |
| 261 | $1,199.10 | $728.20 | $470.90 | $93,452.37 |
| 262 | $1,199.10 | $731.84 | $467.26 | $92,720.53 |
| 263 | $1,199.10 | $735.50 | $463.60 | $91,985.03 |
| 264 | $1,199.10 | $739.18 | $459.93 | $91,245.86 |
| 265 | $1,199.10 | $742.87 | $456.23 | $90,502.98 |
| 266 | $1,199.10 | $746.59 | $452.51 | $89,756.40 |
| 267 | $1,199.10 | $750.32 | $448.78 | $89,006.08 |
| 268 | $1,199.10 | $754.07 | $445.03 | $88,252.01 |
| 269 | $1,199.10 | $757.84 | $441.26 | $87,494.17 |
| 270 | $1,199.10 | $761.63 | $437.47 | $86,732.54 |
| 271 | $1,199.10 | $765.44 | $433.66 | $85,967.10 |
| 272 | $1,199.10 | $769.27 | $429.84 | $85,197.83 |
| 273 | $1,199.10 | $773.11 | $425.99 | $84,424.72 |
| 274 | $1,199.10 | $776.98 | $422.12 | $83,647.74 |
| 275 | $1,199.10 | $780.86 | $418.24 | $82,866.88 |
| 276 | $1,199.10 | $784.77 | $414.33 | $82,082.12 |
| 277 | $1,199.10 | $788.69 | $410.41 | $81,293.42 |
| 278 | $1,199.10 | $792.63 | $406.47 | $80,500.79 |
| 279 | $1,199.10 | $796.60 | $402.50 | $79,704.19 |
| 280 | $1,199.10 | $800.58 | $398.52 | $78,903.61 |
| 281 | $1,199.10 | $804.58 | $394.52 | $78,099.03 |
| 282 | $1,199.10 | $808.61 | $390.50 | $77,290.42 |
| 283 | $1,199.10 | $812.65 | $386.45 | $76,477.78 |
| 284 | $1,199.10 | $816.71 | $382.39 | $75,661.06 |
| 285 | $1,199.10 | $820.80 | $378.31 | $74,840.27 |
| 286 | $1,199.10 | $824.90 | $374.20 | $74,015.37 |
| 287 | $1,199.10 | $829.02 | $370.08 | $73,186.34 |
| 288 | $1,199.10 | $833.17 | $365.93 | $72,353.17 |
| 289 | $1,199.10 | $837.34 | $361.77 | $71,515.84 |
| 290 | $1,199.10 | $841.52 | $357.58 | $70,674.32 |
| 291 | $1,199.10 | $845.73 | $353.37 | $69,828.59 |
| 292 | $1,199.10 | $849.96 | $349.14 | $68,978.63 |
| 293 | $1,199.10 | $854.21 | $344.89 | $68,124.42 |
| 294 | $1,199.10 | $858.48 | $340.62 | $67,265.94 |
| 295 | $1,199.10 | $862.77 | $336.33 | $66,403.17 |
| 296 | $1,199.10 | $867.09 | $332.02 | $65,536.09 |
| 297 | $1,199.10 | $871.42 | $327.68 | $64,664.67 |
| 298 | $1,199.10 | $875.78 | $323.32 | $63,788.89 |
| 299 | $1,199.10 | $880.16 | $318.94 | $62,908.73 |
| 300 | $1,199.10 | $884.56 | $314.54 | $62,024.17 |
| 301 | $1,199.10 | $888.98 | $310.12 | $61,135.19 |
| 302 | $1,199.10 | $893.43 | $305.68 | $60,241.77 |
| 303 | $1,199.10 | $897.89 | $301.21 | $59,343.88 |
| 304 | $1,199.10 | $902.38 | $296.72 | $58,441.50 |
| 305 | $1,199.10 | $906.89 | $292.21 | $57,534.60 |
| 306 | $1,199.10 | $911.43 | $287.67 | $56,623.17 |
| 307 | $1,199.10 | $915.99 | $283.12 | $55,707.19 |
| 308 | $1,199.10 | $920.57 | $278.54 | $54,786.62 |
| 309 | $1,199.10 | $925.17 | $273.93 | $53,861.46 |
| 310 | $1,199.10 | $929.79 | $269.31 | $52,931.66 |
| 311 | $1,199.10 | $934.44 | $264.66 | $51,997.22 |
| 312 | $1,199.10 | $939.11 | $259.99 | $51,058.10 |
| 313 | $1,199.10 | $943.81 | $255.29 | $50,114.29 |
| 314 | $1,199.10 | $948.53 | $250.57 | $49,165.76 |
| 315 | $1,199.10 | $953.27 | $245.83 | $48,212.49 |
| 316 | $1,199.10 | $958.04 | $241.06 | $47,254.45 |
| 317 | $1,199.10 | $962.83 | $236.27 | $46,291.62 |
| 318 | $1,199.10 | $967.64 | $231.46 | $45,323.98 |
| 319 | $1,199.10 | $972.48 | $226.62 | $44,351.50 |
| 320 | $1,199.10 | $977.34 | $221.76 | $43,374.16 |
| 321 | $1,199.10 | $982.23 | $216.87 | $42,391.93 |
| 322 | $1,199.10 | $987.14 | $211.96 | $41,404.78 |
| 323 | $1,199.10 | $992.08 | $207.02 | $40,412.71 |
| 324 | $1,199.10 | $997.04 | $202.06 | $39,415.67 |
| 325 | $1,199.10 | $1,002.02 | $197.08 | $38,413.65 |
| 326 | $1,199.10 | $1,007.03 | $192.07 | $37,406.61 |
| 327 | $1,199.10 | $1,012.07 | $187.03 | $36,394.55 |
| 328 | $1,199.10 | $1,017.13 | $181.97 | $35,377.42 |
| 329 | $1,199.10 | $1,022.21 | $176.89 | $34,355.20 |
| 330 | $1,199.10 | $1,027.33 | $171.78 | $33,327.88 |
| 331 | $1,199.10 | $1,032.46 | $166.64 | $32,295.42 |
| 332 | $1,199.10 | $1,037.62 | $161.48 | $31,257.79 |
| 333 | $1,199.10 | $1,042.81 | $156.29 | $30,214.98 |
| 334 | $1,199.10 | $1,048.03 | $151.07 | $29,166.96 |
| 335 | $1,199.10 | $1,053.27 | $145.83 | $28,113.69 |
| 336 | $1,199.10 | $1,058.53 | $140.57 | $27,055.16 |
| 337 | $1,199.10 | $1,063.83 | $135.28 | $25,991.33 |
| 338 | $1,199.10 | $1,069.14 | $129.96 | $24,922.19 |
| 339 | $1,199.10 | $1,074.49 | $124.61 | $23,847.70 |
| 340 | $1,199.10 | $1,079.86 | $119.24 | $22,767.83 |
| 341 | $1,199.10 | $1,085.26 | $113.84 | $21,682.57 |
| 342 | $1,199.10 | $1,090.69 | $108.41 | $20,591.88 |
| 343 | $1,199.10 | $1,096.14 | $102.96 | $19,495.74 |
| 344 | $1,199.10 | $1,101.62 | $97.48 | $18,394.12 |
| 345 | $1,199.10 | $1,107.13 | $91.97 | $17,286.99 |
| 346 | $1,199.10 | $1,112.67 | $86.43 | $16,174.32 |
| 347 | $1,199.10 | $1,118.23 | $80.87 | $15,056.09 |
| 348 | $1,199.10 | $1,123.82 | $75.28 | $13,932.27 |
| 349 | $1,199.10 | $1,129.44 | $69.66 | $12,802.83 |
| 350 | $1,199.10 | $1,135.09 | $64.01 | $11,667.75 |
| 351 | $1,199.10 | $1,140.76 | $58.34 | $10,526.98 |
| 352 | $1,199.10 | $1,146.47 | $52.63 | $9,380.52 |
| 353 | $1,199.10 | $1,152.20 | $46.90 | $8,228.32 |
| 354 | $1,199.10 | $1,157.96 | $41.14 | $7,070.36 |
| 355 | $1,199.10 | $1,163.75 | $35.35 | $5,906.61 |
| 356 | $1,199.10 | $1,169.57 | $29.53 | $4,737.04 |
| 357 | $1,199.10 | $1,175.42 | $23.69 | $3,561.63 |
| 358 | $1,199.10 | $1,181.29 | $17.81 | $2,380.33 |
| 359 | $1,199.10 | $1,187.20 | $11.90 | $1,193.14 |
| 360 | $1,199.10 | $1,193.14 | $5.97 | $0.00 |
Calculations happen locally in your browser.
Como usar isso calculator
- Insira o valor principal do financiamento imobiliário, a taxa de juros anual e o prazo em anos e, em seguida, simule pagamentos mensais adicionais ou uma taxa de refinanciamento menor.
- Revisar o resultado em tempo real e utilizar a opção Copiar resultado quando precisar compartilhá-lo.
Como calculation works
A fórmula padrão de amortização gera o pagamento programado e a tabela mensal completa. Pagamentos extras reduzem o principal diretamente; o ponto de equilíbrio do refinanciamento divide os custos pela economia mensal.
Fórmula
Payment = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)
Passo a passo calculation
- Insira o valor principal do financiamento imobiliário, a taxa de juros anual e o prazo em anos e, em seguida, simule pagamentos mensais adicionais ou uma taxa de refinanciamento menor.
- A fórmula padrão de amortização gera o pagamento programado e a tabela mensal completa. Pagamentos extras reduzem o principal diretamente; o ponto de equilíbrio do refinanciamento divide os custos pela economia mensal.
- Verifique o resultado exibido e copie-o, se necessário.
Exemplo prático
Uma hipoteca de 200.000 a 6% por 30 anos tem uma prestação mensal estimada de 1.199,10 na moeda selecionada; um pagamento extra de 200 por mês quita a hipoteca em cerca de 21 anos e economiza cerca de 79.800 em juros.
Orientações sobre riscos
Perguntas frequentes
Isso inclui impostos, seguros ou taxas?
Não. O resultado cobre apenas o principal e os juros; os custos de propriedade e as taxas do credor devem ser adicionados separadamente.
Esta ferramenta envia minhas entradas para algum lugar?
Não. O cálculo interativo é executado no seu navegador e este site não envia dados de ferramentas para um servidor.
Como devo usar o resultado?
Verifique se as unidades e os valores inseridos correspondem à sua situação, especialmente em relação a datas, intervalos e arredondamentos.
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