Amortização / Tabela Price / SAC — Calculadora Online Grátis

Sobre Esta Calculadora

Amortization reveals a mathematical reality most borrowers don't see until too late: on a 30-year $400,000 mortgage at 7%, your first payment of $2,661 allocates only $328 to principal and $2,333 to interest — 87.7% of your money goes to the bank in month one. By year 15, you've paid $239,000 but still owe $315,000.

Extra payments radically change this equation because every additional dollar goes 100% to principal, eliminating years of future interest. Adding $200/month to a 30-year mortgage at 7% on a $400,000 loan: - Saves $83,000 in interest - Cuts the loan term by 5 years and 4 months - Pays off in 24 years 8 months instead of 30 years

The full amortization schedule this calculator generates shows exactly how your loan balance, interest paid, and principal paid evolve month by month — making the long-term cost of a mortgage tangible.

Refinancing is worth evaluating when rates drop 0.75–1% below your current rate. The break-even on $4,000 in closing costs at $200/month in payment savings is 20 months — refinance makes sense if you'll keep the home beyond that. This calculator's schedule helps compare current vs. refinanced scenarios side by side.

Fórmula

Monthly Payment = P × r × (1+r)^n / [(1+r)^n - 1]
Where P = Principal, r = monthly rate, n = number of payments

Exemplo Resolvido

Dicas

• Each extra dollar paid goes 100% to principal, saving years of interest. Even $100/month extra on a 30-year mortgage can save $30,000+.
• In early loan years, most of your payment goes to interest — this is why prepayments are most effective at the start.

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