Pular para o conteúdo
arnaud.app

Calculadora de Empréstimo e Hipoteca

Estime a parcela mensal, juros totais e amortização.

Roda no seu navegador

Insira o valor, a taxa anual e o prazo. Calculamos a parcela mensal com a fórmula de amortização padrão e mostramos a divisão entre principal e juros em cada parcela.

Parcela mensal

$1,580.17

Juros totais

$318,861.22

Total pago

$568,861.22

Tabela de amortização (360 meses)
#JurosPrincipalSaldo
1$1,354.17$226.00$249,774.00
2$1,352.94$227.23$249,546.77
3$1,351.71$228.46$249,318.31
4$1,350.47$229.70$249,088.61
5$1,349.23$230.94$248,857.67
6$1,347.98$232.19$248,625.48
7$1,346.72$233.45$248,392.04
8$1,345.46$234.71$248,157.32
9$1,344.19$235.98$247,921.34
10$1,342.91$237.26$247,684.07
11$1,341.62$238.55$247,445.53
12$1,340.33$239.84$247,205.69
13$1,339.03$241.14$246,964.55
14$1,337.72$242.45$246,722.10
15$1,336.41$243.76$246,478.34
16$1,335.09$245.08$246,233.26
17$1,333.76$246.41$245,986.86
18$1,332.43$247.74$245,739.12
19$1,331.09$249.08$245,490.03
20$1,329.74$250.43$245,239.60
21$1,328.38$251.79$244,987.81
22$1,327.02$253.15$244,734.66
23$1,325.65$254.52$244,480.13
24$1,324.27$255.90$244,224.23
25$1,322.88$257.29$243,966.94
26$1,321.49$258.68$243,708.26
27$1,320.09$260.08$243,448.18
28$1,318.68$261.49$243,186.68
29$1,317.26$262.91$242,923.78
30$1,315.84$264.33$242,659.44
31$1,314.41$265.76$242,393.68
32$1,312.97$267.20$242,126.47
33$1,311.52$268.65$241,857.82
34$1,310.06$270.11$241,587.72
35$1,308.60$271.57$241,316.15
36$1,307.13$273.04$241,043.10
37$1,305.65$274.52$240,768.58
38$1,304.16$276.01$240,492.58
39$1,302.67$277.50$240,215.08
40$1,301.16$279.01$239,936.07
41$1,299.65$280.52$239,655.55
42$1,298.13$282.04$239,373.52
43$1,296.61$283.56$239,089.96
44$1,295.07$285.10$238,804.86
45$1,293.53$286.64$238,518.21
46$1,291.97$288.20$238,230.02
47$1,290.41$289.76$237,940.26
48$1,288.84$291.33$237,648.93
49$1,287.27$292.91$237,356.03
50$1,285.68$294.49$237,061.53
51$1,284.08$296.09$236,765.45
52$1,282.48$297.69$236,467.76
53$1,280.87$299.30$236,168.45
54$1,279.25$300.92$235,867.53
55$1,277.62$302.55$235,564.98
56$1,275.98$304.19$235,260.78
57$1,274.33$305.84$234,954.94
58$1,272.67$307.50$234,647.44
59$1,271.01$309.16$234,338.28
60$1,269.33$310.84$234,027.44
61$1,267.65$312.52$233,714.92
62$1,265.96$314.21$233,400.71
63$1,264.25$315.92$233,084.79
64$1,262.54$317.63$232,767.16
65$1,260.82$319.35$232,447.82
66$1,259.09$321.08$232,126.74
67$1,257.35$322.82$231,803.92
68$1,255.60$324.57$231,479.36
69$1,253.85$326.32$231,153.03
70$1,252.08$328.09$230,824.94
71$1,250.30$329.87$230,495.07
72$1,248.51$331.66$230,163.42
73$1,246.72$333.45$229,829.97
74$1,244.91$335.26$229,494.71
75$1,243.10$337.07$229,157.64
76$1,241.27$338.90$228,818.74
77$1,239.43$340.74$228,478.00
78$1,237.59$342.58$228,135.42
79$1,235.73$344.44$227,790.98
80$1,233.87$346.30$227,444.68
81$1,231.99$348.18$227,096.50
82$1,230.11$350.06$226,746.44
83$1,228.21$351.96$226,394.48
84$1,226.30$353.87$226,040.61
85$1,224.39$355.78$225,684.83
86$1,222.46$357.71$225,327.12
87$1,220.52$359.65$224,967.47
88$1,218.57$361.60$224,605.87
89$1,216.62$363.55$224,242.32
90$1,214.65$365.52$223,876.79
91$1,212.67$367.50$223,509.29
92$1,210.68$369.49$223,139.80
93$1,208.67$371.50$222,768.30
94$1,206.66$373.51$222,394.79
95$1,204.64$375.53$222,019.26
96$1,202.60$377.57$221,641.69
97$1,200.56$379.61$221,262.08
98$1,198.50$381.67$220,880.42
99$1,196.44$383.73$220,496.68
100$1,194.36$385.81$220,110.87
101$1,192.27$387.90$219,722.97
102$1,190.17$390.00$219,332.96
103$1,188.05$392.12$218,940.84
104$1,185.93$394.24$218,546.60
105$1,183.79$396.38$218,150.23
106$1,181.65$398.52$217,751.71
107$1,179.49$400.68$217,351.02
108$1,177.32$402.85$216,948.17
109$1,175.14$405.03$216,543.14
110$1,172.94$407.23$216,135.91
111$1,170.74$409.43$215,726.48
112$1,168.52$411.65$215,314.82
113$1,166.29$413.88$214,900.94
114$1,164.05$416.12$214,484.82
115$1,161.79$418.38$214,066.44
116$1,159.53$420.64$213,645.80
117$1,157.25$422.92$213,222.88
118$1,154.96$425.21$212,797.66
119$1,152.65$427.52$212,370.15
120$1,150.34$429.83$211,940.32
121$1,148.01$432.16$211,508.16
122$1,145.67$434.50$211,073.66
123$1,143.32$436.85$210,636.80
124$1,140.95$439.22$210,197.58
125$1,138.57$441.60$209,755.98
126$1,136.18$443.99$209,311.99
127$1,133.77$446.40$208,865.59
128$1,131.36$448.81$208,416.78
129$1,128.92$451.25$207,965.53
130$1,126.48$453.69$207,511.84
131$1,124.02$456.15$207,055.69
132$1,121.55$458.62$206,597.07
133$1,119.07$461.10$206,135.97
134$1,116.57$463.60$205,672.37
135$1,114.06$466.11$205,206.26
136$1,111.53$468.64$204,737.62
137$1,109.00$471.17$204,266.45
138$1,106.44$473.73$203,792.72
139$1,103.88$476.29$203,316.43
140$1,101.30$478.87$202,837.56
141$1,098.70$481.47$202,356.09
142$1,096.10$484.07$201,872.02
143$1,093.47$486.70$201,385.32
144$1,090.84$489.33$200,895.99
145$1,088.19$491.98$200,404.00
146$1,085.52$494.65$199,909.35
147$1,082.84$497.33$199,412.03
148$1,080.15$500.02$198,912.01
149$1,077.44$502.73$198,409.28
150$1,074.72$505.45$197,903.82
151$1,071.98$508.19$197,395.63
152$1,069.23$510.94$196,884.69
153$1,066.46$513.71$196,370.98
154$1,063.68$516.49$195,854.48
155$1,060.88$519.29$195,335.19
156$1,058.07$522.10$194,813.09
157$1,055.24$524.93$194,288.15
158$1,052.39$527.78$193,760.38
159$1,049.54$530.63$193,229.74
160$1,046.66$533.51$192,696.23
161$1,043.77$536.40$192,159.84
162$1,040.87$539.30$191,620.53
163$1,037.94$542.23$191,078.31
164$1,035.01$545.16$190,533.14
165$1,032.05$548.12$189,985.03
166$1,029.09$551.08$189,433.94
167$1,026.10$554.07$188,879.87
168$1,023.10$557.07$188,322.80
169$1,020.08$560.09$187,762.71
170$1,017.05$563.12$187,199.59
171$1,014.00$566.17$186,633.42
172$1,010.93$569.24$186,064.18
173$1,007.85$572.32$185,491.86
174$1,004.75$575.42$184,916.44
175$1,001.63$578.54$184,337.90
176$998.50$581.67$183,756.22
177$995.35$584.82$183,171.40
178$992.18$587.99$182,583.41
179$988.99$591.18$181,992.23
180$985.79$594.38$181,397.85
181$982.57$597.60$180,800.25
182$979.33$600.84$180,199.42
183$976.08$604.09$179,595.33
184$972.81$607.36$178,987.97
185$969.52$610.65$178,377.32
186$966.21$613.96$177,763.36
187$962.88$617.29$177,146.07
188$959.54$620.63$176,525.44
189$956.18$623.99$175,901.45
190$952.80$627.37$175,274.08
191$949.40$630.77$174,643.31
192$945.98$634.19$174,009.13
193$942.55$637.62$173,371.51
194$939.10$641.07$172,730.43
195$935.62$644.55$172,085.88
196$932.13$648.04$171,437.85
197$928.62$651.55$170,786.30
198$925.09$655.08$170,131.22
199$921.54$658.63$169,472.59
200$917.98$662.19$168,810.40
201$914.39$665.78$168,144.62
202$910.78$669.39$167,475.23
203$907.16$673.01$166,802.22
204$903.51$676.66$166,125.56
205$899.85$680.32$165,445.24
206$896.16$684.01$164,761.23
207$892.46$687.71$164,073.52
208$888.73$691.44$163,382.08
209$884.99$695.18$162,686.90
210$881.22$698.95$161,987.95
211$877.43$702.74$161,285.21
212$873.63$706.54$160,578.67
213$869.80$710.37$159,868.30
214$865.95$714.22$159,154.08
215$862.08$718.09$158,436.00
216$858.19$721.98$157,714.02
217$854.28$725.89$156,988.14
218$850.35$729.82$156,258.32
219$846.40$733.77$155,524.55
220$842.42$737.75$154,786.80
221$838.43$741.74$154,045.06
222$834.41$745.76$153,299.30
223$830.37$749.80$152,549.50
224$826.31$753.86$151,795.64
225$822.23$757.94$151,037.70
226$818.12$762.05$150,275.65
227$813.99$766.18$149,509.47
228$809.84$770.33$148,739.15
229$805.67$774.50$147,964.65
230$801.48$778.69$147,185.95
231$797.26$782.91$146,403.04
232$793.02$787.15$145,615.89
233$788.75$791.42$144,824.47
234$784.47$795.70$144,028.76
235$780.16$800.01$143,228.75
236$775.82$804.35$142,424.40
237$771.47$808.70$141,615.70
238$767.09$813.09$140,802.61
239$762.68$817.49$139,985.12
240$758.25$821.92$139,163.21
241$753.80$826.37$138,336.84
242$749.32$830.85$137,505.99
243$744.82$835.35$136,670.65
244$740.30$839.87$135,830.77
245$735.75$844.42$134,986.35
246$731.18$848.99$134,137.36
247$726.58$853.59$133,283.77
248$721.95$858.22$132,425.55
249$717.31$862.86$131,562.69
250$712.63$867.54$130,695.15
251$707.93$872.24$129,822.91
252$703.21$876.96$128,945.95
253$698.46$881.71$128,064.23
254$693.68$886.49$127,177.75
255$688.88$891.29$126,286.46
256$684.05$896.12$125,390.34
257$679.20$900.97$124,489.36
258$674.32$905.85$123,583.51
259$669.41$910.76$122,672.75
260$664.48$915.69$121,757.06
261$659.52$920.65$120,836.41
262$654.53$925.64$119,910.77
263$649.52$930.65$118,980.11
264$644.48$935.69$118,044.42
265$639.41$940.76$117,103.66
266$634.31$945.86$116,157.80
267$629.19$950.98$115,206.82
268$624.04$956.13$114,250.68
269$618.86$961.31$113,289.37
270$613.65$966.52$112,322.85
271$608.42$971.75$111,351.10
272$603.15$977.02$110,374.08
273$597.86$982.31$109,391.77
274$592.54$987.63$108,404.14
275$587.19$992.98$107,411.16
276$581.81$998.36$106,412.80
277$576.40$1,003.77$105,409.03
278$570.97$1,009.20$104,399.82
279$565.50$1,014.67$103,385.15
280$560.00$1,020.17$102,364.99
281$554.48$1,025.69$101,339.29
282$548.92$1,031.25$100,308.04
283$543.34$1,036.83$99,271.21
284$537.72$1,042.45$98,228.76
285$532.07$1,048.10$97,180.66
286$526.40$1,053.77$96,126.89
287$520.69$1,059.48$95,067.40
288$514.95$1,065.22$94,002.18
289$509.18$1,070.99$92,931.19
290$503.38$1,076.79$91,854.40
291$497.54$1,082.63$90,771.77
292$491.68$1,088.49$89,683.28
293$485.78$1,094.39$88,588.90
294$479.86$1,100.31$87,488.58
295$473.90$1,106.27$86,382.31
296$467.90$1,112.27$85,270.04
297$461.88$1,118.29$84,151.75
298$455.82$1,124.35$83,027.40
299$449.73$1,130.44$81,896.97
300$443.61$1,136.56$80,760.41
301$437.45$1,142.72$79,617.69
302$431.26$1,148.91$78,468.78
303$425.04$1,155.13$77,313.65
304$418.78$1,161.39$76,152.26
305$412.49$1,167.68$74,984.58
306$406.17$1,174.00$73,810.58
307$399.81$1,180.36$72,630.22
308$393.41$1,186.76$71,443.46
309$386.99$1,193.18$70,250.28
310$380.52$1,199.65$69,050.63
311$374.02$1,206.15$67,844.48
312$367.49$1,212.68$66,631.80
313$360.92$1,219.25$65,412.55
314$354.32$1,225.85$64,186.70
315$347.68$1,232.49$62,954.21
316$341.00$1,239.17$61,715.04
317$334.29$1,245.88$60,469.16
318$327.54$1,252.63$59,216.53
319$320.76$1,259.41$57,957.12
320$313.93$1,266.24$56,690.88
321$307.08$1,273.09$55,417.79
322$300.18$1,279.99$54,137.80
323$293.25$1,286.92$52,850.88
324$286.28$1,293.89$51,556.98
325$279.27$1,300.90$50,256.08
326$272.22$1,307.95$48,948.13
327$265.14$1,315.03$47,633.09
328$258.01$1,322.16$46,310.94
329$250.85$1,329.32$44,981.62
330$243.65$1,336.52$43,645.10
331$236.41$1,343.76$42,301.34
332$229.13$1,351.04$40,950.30
333$221.81$1,358.36$39,591.94
334$214.46$1,365.71$38,226.23
335$207.06$1,373.11$36,853.12
336$199.62$1,380.55$35,472.57
337$192.14$1,388.03$34,084.54
338$184.62$1,395.55$32,689.00
339$177.07$1,403.10$31,285.89
340$169.47$1,410.70$29,875.19
341$161.82$1,418.35$28,456.84
342$154.14$1,426.03$27,030.81
343$146.42$1,433.75$25,597.06
344$138.65$1,441.52$24,155.54
345$130.84$1,449.33$22,706.21
346$122.99$1,457.18$21,249.04
347$115.10$1,465.07$19,783.96
348$107.16$1,473.01$18,310.96
349$99.18$1,480.99$16,829.97
350$91.16$1,489.01$15,340.96
351$83.10$1,497.07$13,843.89
352$74.99$1,505.18$12,338.71
353$66.83$1,513.34$10,825.37
354$58.64$1,521.53$9,303.84
355$50.40$1,529.77$7,774.07
356$42.11$1,538.06$6,236.01
357$33.78$1,546.39$4,689.61
358$25.40$1,554.77$3,134.85
359$16.98$1,563.19$1,571.66
360$8.51$1,571.66$0.00

Como usar

  1. Insira o valor do empréstimo

    O principal - o que você de fato pega emprestado após a entrada.

  2. Insira taxa e prazo

    Taxa anual em porcentagem e prazo em anos. A aritmética mensal é nossa.

  3. Expanda a amortização

    A primeira linha mostra quanto do mês 1 é juro vs principal. Expanda para ver cada mês até o fim.

O que é?

Uma calculadora de empréstimo produz a parcela mensal fixa que amortiza totalmente um empréstimo no prazo, via fórmula clássica P × r / (1 - (1 + r)^-n). Também mostra a divisão principal/juros mês a mês - a tabela de amortização. Os números são determinísticos: mesmas entradas, mesmo resultado ao centavo.

Quando usar

Antes de assinar um financiamento imobiliário, de carro, estudantil ou pessoal, para conferir a parcela citada. Útil em simulação: varie taxa, prazo ou entrada e veja o impacto no fluxo de caixa e juros totais. Também para refinanciar - compare a tabela antiga com a nova.

Erros comuns

Esquecer que a « parcela mensal » não inclui IPTU, seguro e PMI - a fatura real sobe 25-40 %. Esquecer taxas e pontos (que elevam a taxa efetiva). Subestimar a diferença de juros totais entre 30 e 15 anos - prazo maior, parcela menor, custo total muito mais alto.

FAQ

Inclui impostos e seguro?
Não. É apenas principal + juros (P&I). Para uma estimativa completa de hipoteca, some IPTU, seguro residencial e PMI separadamente.

Ferramentas relacionadas

Calculadora de IMC
Calcule seu Índice de Massa Corporal em métrico ou imperial.
Calculadora de Idade
Calcule sua idade exata em anos, meses, dias e segundos.

Mais nesta categoria