Loan Simulator
Simulate loans with Price or SAC amortization. See installments, interest and amortization.
About this tool
The Loan Simulator calculates installments for a loan or financing under the two most common amortization systems used in Brazil: the Price system (fixed installments) and the SAC system (constant amortization, decreasing installments). For each system, the tool generates a complete table showing each installment amount, how much goes to interest, how much reduces the outstanding balance, and the remaining balance after payment.
To use it, enter the financed amount, the monthly interest rate, and the number of months. Select the amortization system — Price or SAC — and the result appears instantly. The table can be scrolled month by month to see how the debt evolves over time. The total amount paid and total interest accumulated are displayed prominently to make comparison between the two systems straightforward.
This simulation is useful for anyone researching a home loan, car financing, or any bank loan who wants to understand the impact of interest rates before signing any contract. Comparing Price and SAC for the same scenario helps you make a more informed decision about which system is more advantageous for your payment profile.
The results are mathematical estimates based on the data entered and do not constitute a loan proposal or credit offer. Actual conditions from a financial institution may include additional charges not covered here. All processing occurs in the browser, without sending data to servers.
Frequently asked questions
Is the tool free?
Yes, free and no registration required.
Is my financial data sent to any server?
No. All calculations happen in your browser. No entered values are transmitted.
Does it work on mobile?
Yes, the table and controls are responsive and work on smartphones and tablets.
Are the results a credit offer?
No. The values are only mathematical estimates for comparison purposes. Actual conditions depend on each financial institution and may include insurance, fees, and other charges.
What is the difference between Price and SAC?
In the Price system, all installments have the same value; interest decreases and amortization increases over time. In SAC, amortization is constant and interest drops each month, resulting in decreasing installments — the first ones are higher, but total interest paid tends to be lower.