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Calculadora de amortização constante

Equal Principal Calculator

Amortiza o mesmo principal todo mês; o pagamento total cai porque os juros sobre o saldo decrescente diminuem.

Resultados

Valor do empréstimo

$200,000.00

Principal fixo mensal

$555.56

Pagamento do primeiro mês

$1,555.56

Juros totais

$180,500.00

Pagamento total

$380,500.00

Gráfico de amortização constante

050K100K150K200K0306090120150180210240270300330360
Saldo devedorJuros acumulados

Cronograma mês a mês

MêsJuros pagosPrincipal pagoSaldo devedor
0$0.00$0.00$200,000.00
1$1,000.00$555.56$199,444.44
2$997.22$555.56$198,888.89
3$994.44$555.56$198,333.33
4$991.67$555.56$197,777.78
5$988.89$555.56$197,222.22
6$986.11$555.56$196,666.67
7$983.33$555.56$196,111.11
8$980.56$555.56$195,555.56
9$977.78$555.56$195,000.00
10$975.00$555.56$194,444.44
11$972.22$555.56$193,888.89
12$969.44$555.56$193,333.33
13$966.67$555.56$192,777.78
14$963.89$555.56$192,222.22
15$961.11$555.56$191,666.67
16$958.33$555.56$191,111.11
17$955.56$555.56$190,555.56
18$952.78$555.56$190,000.00
19$950.00$555.56$189,444.44
20$947.22$555.56$188,888.89
21$944.44$555.56$188,333.33
22$941.67$555.56$187,777.78
23$938.89$555.56$187,222.22
24$936.11$555.56$186,666.67
25$933.33$555.56$186,111.11
26$930.56$555.56$185,555.56
27$927.78$555.56$185,000.00
28$925.00$555.56$184,444.44
29$922.22$555.56$183,888.89
30$919.44$555.56$183,333.33
31$916.67$555.56$182,777.78
32$913.89$555.56$182,222.22
33$911.11$555.56$181,666.67
34$908.33$555.56$181,111.11
35$905.56$555.56$180,555.56
36$902.78$555.56$180,000.00
37$900.00$555.56$179,444.44
38$897.22$555.56$178,888.89
39$894.44$555.56$178,333.33
40$891.67$555.56$177,777.78
41$888.89$555.56$177,222.22
42$886.11$555.56$176,666.67
43$883.33$555.56$176,111.11
44$880.56$555.56$175,555.56
45$877.78$555.56$175,000.00
46$875.00$555.56$174,444.44
47$872.22$555.56$173,888.89
48$869.44$555.56$173,333.33
49$866.67$555.56$172,777.78
50$863.89$555.56$172,222.22
51$861.11$555.56$171,666.67
52$858.33$555.56$171,111.11
53$855.56$555.56$170,555.56
54$852.78$555.56$170,000.00
55$850.00$555.56$169,444.44
56$847.22$555.56$168,888.89
57$844.44$555.56$168,333.33
58$841.67$555.56$167,777.78
59$838.89$555.56$167,222.22
60$836.11$555.56$166,666.67
61$833.33$555.56$166,111.11
62$830.56$555.56$165,555.56
63$827.78$555.56$165,000.00
64$825.00$555.56$164,444.44
65$822.22$555.56$163,888.89
66$819.44$555.56$163,333.33
67$816.67$555.56$162,777.78
68$813.89$555.56$162,222.22
69$811.11$555.56$161,666.67
70$808.33$555.56$161,111.11
71$805.56$555.56$160,555.56
72$802.78$555.56$160,000.00
73$800.00$555.56$159,444.44
74$797.22$555.56$158,888.89
75$794.44$555.56$158,333.33
76$791.67$555.56$157,777.78
77$788.89$555.56$157,222.22
78$786.11$555.56$156,666.67
79$783.33$555.56$156,111.11
80$780.56$555.56$155,555.56
81$777.78$555.56$155,000.00
82$775.00$555.56$154,444.44
83$772.22$555.56$153,888.89
84$769.44$555.56$153,333.33
85$766.67$555.56$152,777.78
86$763.89$555.56$152,222.22
87$761.11$555.56$151,666.67
88$758.33$555.56$151,111.11
89$755.56$555.56$150,555.56
90$752.78$555.56$150,000.00
91$750.00$555.56$149,444.44
92$747.22$555.56$148,888.89
93$744.44$555.56$148,333.33
94$741.67$555.56$147,777.78
95$738.89$555.56$147,222.22
96$736.11$555.56$146,666.67
97$733.33$555.56$146,111.11
98$730.56$555.56$145,555.56
99$727.78$555.56$145,000.00
100$725.00$555.56$144,444.44
101$722.22$555.56$143,888.89
102$719.44$555.56$143,333.33
103$716.67$555.56$142,777.78
104$713.89$555.56$142,222.22
105$711.11$555.56$141,666.67
106$708.33$555.56$141,111.11
107$705.56$555.56$140,555.56
108$702.78$555.56$140,000.00
109$700.00$555.56$139,444.44
110$697.22$555.56$138,888.89
111$694.44$555.56$138,333.33
112$691.67$555.56$137,777.78
113$688.89$555.56$137,222.22
114$686.11$555.56$136,666.67
115$683.33$555.56$136,111.11
116$680.56$555.56$135,555.56
117$677.78$555.56$135,000.00
118$675.00$555.56$134,444.44
119$672.22$555.56$133,888.89
120$669.44$555.56$133,333.33
121$666.67$555.56$132,777.78
122$663.89$555.56$132,222.22
123$661.11$555.56$131,666.67
124$658.33$555.56$131,111.11
125$655.56$555.56$130,555.56
126$652.78$555.56$130,000.00
127$650.00$555.56$129,444.44
128$647.22$555.56$128,888.89
129$644.44$555.56$128,333.33
130$641.67$555.56$127,777.78
131$638.89$555.56$127,222.22
132$636.11$555.56$126,666.67
133$633.33$555.56$126,111.11
134$630.56$555.56$125,555.56
135$627.78$555.56$125,000.00
136$625.00$555.56$124,444.44
137$622.22$555.56$123,888.89
138$619.44$555.56$123,333.33
139$616.67$555.56$122,777.78
140$613.89$555.56$122,222.22
141$611.11$555.56$121,666.67
142$608.33$555.56$121,111.11
143$605.56$555.56$120,555.56
144$602.78$555.56$120,000.00
145$600.00$555.56$119,444.44
146$597.22$555.56$118,888.89
147$594.44$555.56$118,333.33
148$591.67$555.56$117,777.78
149$588.89$555.56$117,222.22
150$586.11$555.56$116,666.67
151$583.33$555.56$116,111.11
152$580.56$555.56$115,555.56
153$577.78$555.56$115,000.00
154$575.00$555.56$114,444.44
155$572.22$555.56$113,888.89
156$569.44$555.56$113,333.33
157$566.67$555.56$112,777.78
158$563.89$555.56$112,222.22
159$561.11$555.56$111,666.67
160$558.33$555.56$111,111.11
161$555.56$555.56$110,555.56
162$552.78$555.56$110,000.00
163$550.00$555.56$109,444.44
164$547.22$555.56$108,888.89
165$544.44$555.56$108,333.33
166$541.67$555.56$107,777.78
167$538.89$555.56$107,222.22
168$536.11$555.56$106,666.67
169$533.33$555.56$106,111.11
170$530.56$555.56$105,555.56
171$527.78$555.56$105,000.00
172$525.00$555.56$104,444.44
173$522.22$555.56$103,888.89
174$519.44$555.56$103,333.33
175$516.67$555.56$102,777.78
176$513.89$555.56$102,222.22
177$511.11$555.56$101,666.67
178$508.33$555.56$101,111.11
179$505.56$555.56$100,555.56
180$502.78$555.56$100,000.00
181$500.00$555.56$99,444.44
182$497.22$555.56$98,888.89
183$494.44$555.56$98,333.33
184$491.67$555.56$97,777.78
185$488.89$555.56$97,222.22
186$486.11$555.56$96,666.67
187$483.33$555.56$96,111.11
188$480.56$555.56$95,555.56
189$477.78$555.56$95,000.00
190$475.00$555.56$94,444.44
191$472.22$555.56$93,888.89
192$469.44$555.56$93,333.33
193$466.67$555.56$92,777.78
194$463.89$555.56$92,222.22
195$461.11$555.56$91,666.67
196$458.33$555.56$91,111.11
197$455.56$555.56$90,555.56
198$452.78$555.56$90,000.00
199$450.00$555.56$89,444.44
200$447.22$555.56$88,888.89
201$444.44$555.56$88,333.33
202$441.67$555.56$87,777.78
203$438.89$555.56$87,222.22
204$436.11$555.56$86,666.67
205$433.33$555.56$86,111.11
206$430.56$555.56$85,555.56
207$427.78$555.56$85,000.00
208$425.00$555.56$84,444.44
209$422.22$555.56$83,888.89
210$419.44$555.56$83,333.33
211$416.67$555.56$82,777.78
212$413.89$555.56$82,222.22
213$411.11$555.56$81,666.67
214$408.33$555.56$81,111.11
215$405.56$555.56$80,555.56
216$402.78$555.56$80,000.00
217$400.00$555.56$79,444.44
218$397.22$555.56$78,888.89
219$394.44$555.56$78,333.33
220$391.67$555.56$77,777.78
221$388.89$555.56$77,222.22
222$386.11$555.56$76,666.67
223$383.33$555.56$76,111.11
224$380.56$555.56$75,555.56
225$377.78$555.56$75,000.00
226$375.00$555.56$74,444.44
227$372.22$555.56$73,888.89
228$369.44$555.56$73,333.33
229$366.67$555.56$72,777.78
230$363.89$555.56$72,222.22
231$361.11$555.56$71,666.67
232$358.33$555.56$71,111.11
233$355.56$555.56$70,555.56
234$352.78$555.56$70,000.00
235$350.00$555.56$69,444.44
236$347.22$555.56$68,888.89
237$344.44$555.56$68,333.33
238$341.67$555.56$67,777.78
239$338.89$555.56$67,222.22
240$336.11$555.56$66,666.67
241$333.33$555.56$66,111.11
242$330.56$555.56$65,555.56
243$327.78$555.56$65,000.00
244$325.00$555.56$64,444.44
245$322.22$555.56$63,888.89
246$319.44$555.56$63,333.33
247$316.67$555.56$62,777.78
248$313.89$555.56$62,222.22
249$311.11$555.56$61,666.67
250$308.33$555.56$61,111.11
251$305.56$555.56$60,555.56
252$302.78$555.56$60,000.00
253$300.00$555.56$59,444.44
254$297.22$555.56$58,888.89
255$294.44$555.56$58,333.33
256$291.67$555.56$57,777.78
257$288.89$555.56$57,222.22
258$286.11$555.56$56,666.67
259$283.33$555.56$56,111.11
260$280.56$555.56$55,555.56
261$277.78$555.56$55,000.00
262$275.00$555.56$54,444.44
263$272.22$555.56$53,888.89
264$269.44$555.56$53,333.33
265$266.67$555.56$52,777.78
266$263.89$555.56$52,222.22
267$261.11$555.56$51,666.67
268$258.33$555.56$51,111.11
269$255.56$555.56$50,555.56
270$252.78$555.56$50,000.00
271$250.00$555.56$49,444.44
272$247.22$555.56$48,888.89
273$244.44$555.56$48,333.33
274$241.67$555.56$47,777.78
275$238.89$555.56$47,222.22
276$236.11$555.56$46,666.67
277$233.33$555.56$46,111.11
278$230.56$555.56$45,555.56
279$227.78$555.56$45,000.00
280$225.00$555.56$44,444.44
281$222.22$555.56$43,888.89
282$219.44$555.56$43,333.33
283$216.67$555.56$42,777.78
284$213.89$555.56$42,222.22
285$211.11$555.56$41,666.67
286$208.33$555.56$41,111.11
287$205.56$555.56$40,555.56
288$202.78$555.56$40,000.00
289$200.00$555.56$39,444.44
290$197.22$555.56$38,888.89
291$194.44$555.56$38,333.33
292$191.67$555.56$37,777.78
293$188.89$555.56$37,222.22
294$186.11$555.56$36,666.67
295$183.33$555.56$36,111.11
296$180.56$555.56$35,555.56
297$177.78$555.56$35,000.00
298$175.00$555.56$34,444.44
299$172.22$555.56$33,888.89
300$169.44$555.56$33,333.33
301$166.67$555.56$32,777.78
302$163.89$555.56$32,222.22
303$161.11$555.56$31,666.67
304$158.33$555.56$31,111.11
305$155.56$555.56$30,555.56
306$152.78$555.56$30,000.00
307$150.00$555.56$29,444.44
308$147.22$555.56$28,888.89
309$144.44$555.56$28,333.33
310$141.67$555.56$27,777.78
311$138.89$555.56$27,222.22
312$136.11$555.56$26,666.67
313$133.33$555.56$26,111.11
314$130.56$555.56$25,555.56
315$127.78$555.56$25,000.00
316$125.00$555.56$24,444.44
317$122.22$555.56$23,888.89
318$119.44$555.56$23,333.33
319$116.67$555.56$22,777.78
320$113.89$555.56$22,222.22
321$111.11$555.56$21,666.67
322$108.33$555.56$21,111.11
323$105.56$555.56$20,555.56
324$102.78$555.56$20,000.00
325$100.00$555.56$19,444.44
326$97.22$555.56$18,888.89
327$94.44$555.56$18,333.33
328$91.67$555.56$17,777.78
329$88.89$555.56$17,222.22
330$86.11$555.56$16,666.67
331$83.33$555.56$16,111.11
332$80.56$555.56$15,555.56
333$77.78$555.56$15,000.00
334$75.00$555.56$14,444.44
335$72.22$555.56$13,888.89
336$69.44$555.56$13,333.33
337$66.67$555.56$12,777.78
338$63.89$555.56$12,222.22
339$61.11$555.56$11,666.67
340$58.33$555.56$11,111.11
341$55.56$555.56$10,555.56
342$52.78$555.56$10,000.00
343$50.00$555.56$9,444.44
344$47.22$555.56$8,888.89
345$44.44$555.56$8,333.33
346$41.67$555.56$7,777.78
347$38.89$555.56$7,222.22
348$36.11$555.56$6,666.67
349$33.33$555.56$6,111.11
350$30.56$555.56$5,555.56
351$27.78$555.56$5,000.00
352$25.00$555.56$4,444.44
353$22.22$555.56$3,888.89
354$19.44$555.56$3,333.33
355$16.67$555.56$2,777.78
356$13.89$555.56$2,222.22
357$11.11$555.56$1,666.67
358$8.33$555.56$1,111.11
359$5.56$555.56$555.56
360$2.78$555.56$0.00

Como usar

  1. Cria cronograma com principal fixo mensal e pagamentos decrescentes.

FAQ

Calculadora de amortização constante?

Local browser processing.

Introduction

Equal principal (trả gốc đều) — fixed principal each month; total payment declines.

Parcela fixa vs amortização constante

Na amortização constante (esta ferramenta), o principal é fixo; o pagamento total cai. Na parcela fixa, o pagamento total é fixo.

Amortização constante (esta ferramenta) Parcela fixa
O que fica fixo Principal por mês Pagamento total por mês
O que muda Pagamento total cai Principal sobe, juros caem
Primeiros meses Pagamento total maior Pagamento total menor
Juros totais (mesma taxa e prazo) Menor — quitação mais rápida Maior
Comum em China, Vietnã, alguns empréstimos corporativos asiáticos EUA, Europa, Índia, Japão, muitos financiamentos
Experimentar Amortização constante (esta ferramenta) (você está aqui) Calculadora de amortização

Boas práticas

  • Confirm lender method.

Ferramentas relacionadas

Equal Principal VisualizeCompound Interest CalculatorSimple Interest CalculatorInflation CalculatorSavings Goal CalculatorAmortization Calculator
Ferramentas: Ferramentas financeiras