Selic—CDI—IPCA 12m—Dólar—Fonte: Banco Central do Brasil · entenda os indicadores

Simulador de financiamento Price

Parcelas iguais do início ao fim: veja quanto de cada uma é juros.

R$
%
Contratos costumam informar a taxa nominal e a efetiva. Veja o que consta no seu.
R$
Valor fixo somado à parcela (opcional). Eles entram no CET.
Parcela fixa
R$ 1.996,76
Total de juros
R$ 279.222,35
Total pago
R$ 479.222,35
Juros na 1ª parcela
87,64% da parcela
Renda sugerida (parcela até 30%)
R$ 6.655,87
Em palavras: Financiando R$ 200.000,00 em 20 anos, você paga R$ 1.996,76 todo mês. No total devolve R$ 479.222,35, sendo R$ 279.222,35 de juros. Repare: no começo, a maior parte da parcela é juros.
SAC x Price com os mesmos dadosSAC: 1ª parcela R$ 2.583,33, juros totais R$ 210.875,00. Price: parcela fixa R$ 1.996,76, juros totais R$ 279.222,35. O SAC custa R$ 68.347,35 a menos em juros, mas exige uma parcela inicial maior.
Peça o CETAntes de assinar, compare as propostas pelo Custo Efetivo Total, que inclui seguros, tarifas e impostos.

Como cada parcela é dividida

Parcela (sem taxas)Parte de jurosParte que abate a dívida
R$ 0R$ 500R$ 1 milR$ 1,5 milR$ 2 mil1ª49ª97ª144ª192ª240ª
Ver parcela a parcela (tabela de amortização)
ParcelaValorJurosAmortizaçãoSaldo devedor
1R$ 1.996,76R$ 1.750,00R$ 246,76R$ 199.753,24
2R$ 1.996,76R$ 1.747,84R$ 248,92R$ 199.504,32
3R$ 1.996,76R$ 1.745,66R$ 251,10R$ 199.253,22
4R$ 1.996,76R$ 1.743,47R$ 253,29R$ 198.999,93
5R$ 1.996,76R$ 1.741,25R$ 255,51R$ 198.744,42
6R$ 1.996,76R$ 1.739,01R$ 257,75R$ 198.486,67
7R$ 1.996,76R$ 1.736,76R$ 260,00R$ 198.226,67
8R$ 1.996,76R$ 1.734,48R$ 262,28R$ 197.964,40
9R$ 1.996,76R$ 1.732,19R$ 264,57R$ 197.699,82
10R$ 1.996,76R$ 1.729,87R$ 266,89R$ 197.432,94
11R$ 1.996,76R$ 1.727,54R$ 269,22R$ 197.163,72
12R$ 1.996,76R$ 1.725,18R$ 271,58R$ 196.892,14
13R$ 1.996,76R$ 1.722,81R$ 273,95R$ 196.618,19
14R$ 1.996,76R$ 1.720,41R$ 276,35R$ 196.341,84
15R$ 1.996,76R$ 1.717,99R$ 278,77R$ 196.063,07
16R$ 1.996,76R$ 1.715,55R$ 281,21R$ 195.781,86
17R$ 1.996,76R$ 1.713,09R$ 283,67R$ 195.498,19
18R$ 1.996,76R$ 1.710,61R$ 286,15R$ 195.212,04
19R$ 1.996,76R$ 1.708,11R$ 288,65R$ 194.923,39
20R$ 1.996,76R$ 1.705,58R$ 291,18R$ 194.632,21
21R$ 1.996,76R$ 1.703,03R$ 293,73R$ 194.338,48
22R$ 1.996,76R$ 1.700,46R$ 296,30R$ 194.042,18
23R$ 1.996,76R$ 1.697,87R$ 298,89R$ 193.743,29
24R$ 1.996,76R$ 1.695,25R$ 301,51R$ 193.441,78
25R$ 1.996,76R$ 1.692,62R$ 304,14R$ 193.137,64
26R$ 1.996,76R$ 1.689,95R$ 306,81R$ 192.830,83
27R$ 1.996,76R$ 1.687,27R$ 309,49R$ 192.521,34
28R$ 1.996,76R$ 1.684,56R$ 312,20R$ 192.209,14
29R$ 1.996,76R$ 1.681,83R$ 314,93R$ 191.894,21
30R$ 1.996,76R$ 1.679,07R$ 317,69R$ 191.576,53
31R$ 1.996,76R$ 1.676,29R$ 320,47R$ 191.256,06
32R$ 1.996,76R$ 1.673,49R$ 323,27R$ 190.932,80
33R$ 1.996,76R$ 1.670,66R$ 326,10R$ 190.606,70
34R$ 1.996,76R$ 1.667,81R$ 328,95R$ 190.277,75
35R$ 1.996,76R$ 1.664,93R$ 331,83R$ 189.945,92
36R$ 1.996,76R$ 1.662,03R$ 334,73R$ 189.611,18
37R$ 1.996,76R$ 1.659,10R$ 337,66R$ 189.273,52
38R$ 1.996,76R$ 1.656,14R$ 340,62R$ 188.932,91
39R$ 1.996,76R$ 1.653,16R$ 343,60R$ 188.589,31
40R$ 1.996,76R$ 1.650,16R$ 346,60R$ 188.242,71
41R$ 1.996,76R$ 1.647,12R$ 349,64R$ 187.893,07
42R$ 1.996,76R$ 1.644,06R$ 352,70R$ 187.540,37
43R$ 1.996,76R$ 1.640,98R$ 355,78R$ 187.184,59
44R$ 1.996,76R$ 1.637,87R$ 358,89R$ 186.825,70
45R$ 1.996,76R$ 1.634,72R$ 362,03R$ 186.463,66
46R$ 1.996,76R$ 1.631,56R$ 365,20R$ 186.098,46
47R$ 1.996,76R$ 1.628,36R$ 368,40R$ 185.730,06
48R$ 1.996,76R$ 1.625,14R$ 371,62R$ 185.358,44
49R$ 1.996,76R$ 1.621,89R$ 374,87R$ 184.983,57
50R$ 1.996,76R$ 1.618,61R$ 378,15R$ 184.605,41
51R$ 1.996,76R$ 1.615,30R$ 381,46R$ 184.223,95
52R$ 1.996,76R$ 1.611,96R$ 384,80R$ 183.839,15
53R$ 1.996,76R$ 1.608,59R$ 388,17R$ 183.450,98
54R$ 1.996,76R$ 1.605,20R$ 391,56R$ 183.059,42
55R$ 1.996,76R$ 1.601,77R$ 394,99R$ 182.664,43
56R$ 1.996,76R$ 1.598,31R$ 398,45R$ 182.265,98
57R$ 1.996,76R$ 1.594,83R$ 401,93R$ 181.864,05
58R$ 1.996,76R$ 1.591,31R$ 405,45R$ 181.458,60
59R$ 1.996,76R$ 1.587,76R$ 409,00R$ 181.049,60
60R$ 1.996,76R$ 1.584,18R$ 412,58R$ 180.637,03
61R$ 1.996,76R$ 1.580,57R$ 416,19R$ 180.220,84
62R$ 1.996,76R$ 1.576,93R$ 419,83R$ 179.801,02
63R$ 1.996,76R$ 1.573,26R$ 423,50R$ 179.377,51
64R$ 1.996,76R$ 1.569,55R$ 427,21R$ 178.950,31
65R$ 1.996,76R$ 1.565,82R$ 430,94R$ 178.519,36
66R$ 1.996,76R$ 1.562,04R$ 434,72R$ 178.084,65
67R$ 1.996,76R$ 1.558,24R$ 438,52R$ 177.646,13
68R$ 1.996,76R$ 1.554,40R$ 442,36R$ 177.203,77
69R$ 1.996,76R$ 1.550,53R$ 446,23R$ 176.757,55
70R$ 1.996,76R$ 1.546,63R$ 450,13R$ 176.307,42
71R$ 1.996,76R$ 1.542,69R$ 454,07R$ 175.853,35
72R$ 1.996,76R$ 1.538,72R$ 458,04R$ 175.395,30
73R$ 1.996,76R$ 1.534,71R$ 462,05R$ 174.933,25
74R$ 1.996,76R$ 1.530,67R$ 466,09R$ 174.467,16
75R$ 1.996,76R$ 1.526,59R$ 470,17R$ 173.996,99
76R$ 1.996,76R$ 1.522,47R$ 474,29R$ 173.522,70
77R$ 1.996,76R$ 1.518,32R$ 478,44R$ 173.044,26
78R$ 1.996,76R$ 1.514,14R$ 482,62R$ 172.561,64
79R$ 1.996,76R$ 1.509,91R$ 486,85R$ 172.074,80
80R$ 1.996,76R$ 1.505,65R$ 491,11R$ 171.583,69
81R$ 1.996,76R$ 1.501,36R$ 495,40R$ 171.088,29
82R$ 1.996,76R$ 1.497,02R$ 499,74R$ 170.588,55
83R$ 1.996,76R$ 1.492,65R$ 504,11R$ 170.084,44
84R$ 1.996,76R$ 1.488,24R$ 508,52R$ 169.575,92
85R$ 1.996,76R$ 1.483,79R$ 512,97R$ 169.062,95
86R$ 1.996,76R$ 1.479,30R$ 517,46R$ 168.545,49
87R$ 1.996,76R$ 1.474,77R$ 521,99R$ 168.023,50
88R$ 1.996,76R$ 1.470,21R$ 526,55R$ 167.496,95
89R$ 1.996,76R$ 1.465,60R$ 531,16R$ 166.965,79
90R$ 1.996,76R$ 1.460,95R$ 535,81R$ 166.429,98
91R$ 1.996,76R$ 1.456,26R$ 540,50R$ 165.889,48
92R$ 1.996,76R$ 1.451,53R$ 545,23R$ 165.344,25
93R$ 1.996,76R$ 1.446,76R$ 550,00R$ 164.794,26
94R$ 1.996,76R$ 1.441,95R$ 554,81R$ 164.239,45
95R$ 1.996,76R$ 1.437,10R$ 559,66R$ 163.679,78
96R$ 1.996,76R$ 1.432,20R$ 564,56R$ 163.115,22
97R$ 1.996,76R$ 1.427,26R$ 569,50R$ 162.545,72
98R$ 1.996,76R$ 1.422,28R$ 574,48R$ 161.971,23
99R$ 1.996,76R$ 1.417,25R$ 579,51R$ 161.391,72
100R$ 1.996,76R$ 1.412,18R$ 584,58R$ 160.807,14
101R$ 1.996,76R$ 1.407,06R$ 589,70R$ 160.217,44
102R$ 1.996,76R$ 1.401,90R$ 594,86R$ 159.622,59
103R$ 1.996,76R$ 1.396,70R$ 600,06R$ 159.022,52
104R$ 1.996,76R$ 1.391,45R$ 605,31R$ 158.417,21
105R$ 1.996,76R$ 1.386,15R$ 610,61R$ 157.806,60
106R$ 1.996,76R$ 1.380,81R$ 615,95R$ 157.190,65
107R$ 1.996,76R$ 1.375,42R$ 621,34R$ 156.569,31
108R$ 1.996,76R$ 1.369,98R$ 626,78R$ 155.942,53
109R$ 1.996,76R$ 1.364,50R$ 632,26R$ 155.310,27
110R$ 1.996,76R$ 1.358,96R$ 637,79R$ 154.672,47
111R$ 1.996,76R$ 1.353,38R$ 643,38R$ 154.029,10
112R$ 1.996,76R$ 1.347,75R$ 649,01R$ 153.380,09
113R$ 1.996,76R$ 1.342,08R$ 654,68R$ 152.725,41
114R$ 1.996,76R$ 1.336,35R$ 660,41R$ 152.065,00
115R$ 1.996,76R$ 1.330,57R$ 666,19R$ 151.398,80
116R$ 1.996,76R$ 1.324,74R$ 672,02R$ 150.726,78
117R$ 1.996,76R$ 1.318,86R$ 677,90R$ 150.048,88
118R$ 1.996,76R$ 1.312,93R$ 683,83R$ 149.365,05
119R$ 1.996,76R$ 1.306,94R$ 689,82R$ 148.675,24
120R$ 1.996,76R$ 1.300,91R$ 695,85R$ 147.979,38
121R$ 1.996,76R$ 1.294,82R$ 701,94R$ 147.277,44
122R$ 1.996,76R$ 1.288,68R$ 708,08R$ 146.569,36
123R$ 1.996,76R$ 1.282,48R$ 714,28R$ 145.855,08
124R$ 1.996,76R$ 1.276,23R$ 720,53R$ 145.134,56
125R$ 1.996,76R$ 1.269,93R$ 726,83R$ 144.407,72
126R$ 1.996,76R$ 1.263,57R$ 733,19R$ 143.674,53
127R$ 1.996,76R$ 1.257,15R$ 739,61R$ 142.934,92
128R$ 1.996,76R$ 1.250,68R$ 746,08R$ 142.188,84
129R$ 1.996,76R$ 1.244,15R$ 752,61R$ 141.436,24
130R$ 1.996,76R$ 1.237,57R$ 759,19R$ 140.677,04
131R$ 1.996,76R$ 1.230,92R$ 765,84R$ 139.911,21
132R$ 1.996,76R$ 1.224,22R$ 772,54R$ 139.138,67
133R$ 1.996,76R$ 1.217,46R$ 779,30R$ 138.359,38
134R$ 1.996,76R$ 1.210,64R$ 786,12R$ 137.573,26
135R$ 1.996,76R$ 1.203,77R$ 792,99R$ 136.780,27
136R$ 1.996,76R$ 1.196,83R$ 799,93R$ 135.980,33
137R$ 1.996,76R$ 1.189,83R$ 806,93R$ 135.173,40
138R$ 1.996,76R$ 1.182,77R$ 813,99R$ 134.359,41
139R$ 1.996,76R$ 1.175,64R$ 821,11R$ 133.538,30
140R$ 1.996,76R$ 1.168,46R$ 828,30R$ 132.710,00
141R$ 1.996,76R$ 1.161,21R$ 835,55R$ 131.874,45
142R$ 1.996,76R$ 1.153,90R$ 842,86R$ 131.031,59
143R$ 1.996,76R$ 1.146,53R$ 850,23R$ 130.181,36
144R$ 1.996,76R$ 1.139,09R$ 857,67R$ 129.323,68
145R$ 1.996,76R$ 1.131,58R$ 865,18R$ 128.458,51
146R$ 1.996,76R$ 1.124,01R$ 872,75R$ 127.585,76
147R$ 1.996,76R$ 1.116,38R$ 880,38R$ 126.705,37
148R$ 1.996,76R$ 1.108,67R$ 888,09R$ 125.817,29
149R$ 1.996,76R$ 1.100,90R$ 895,86R$ 124.921,43
150R$ 1.996,76R$ 1.093,06R$ 903,70R$ 124.017,73
151R$ 1.996,76R$ 1.085,16R$ 911,60R$ 123.106,13
152R$ 1.996,76R$ 1.077,18R$ 919,58R$ 122.186,54
153R$ 1.996,76R$ 1.069,13R$ 927,63R$ 121.258,92
154R$ 1.996,76R$ 1.061,02R$ 935,74R$ 120.323,17
155R$ 1.996,76R$ 1.052,83R$ 943,93R$ 119.379,24
156R$ 1.996,76R$ 1.044,57R$ 952,19R$ 118.427,05
157R$ 1.996,76R$ 1.036,24R$ 960,52R$ 117.466,53
158R$ 1.996,76R$ 1.027,83R$ 968,93R$ 116.497,60
159R$ 1.996,76R$ 1.019,35R$ 977,41R$ 115.520,19
160R$ 1.996,76R$ 1.010,80R$ 985,96R$ 114.534,23
161R$ 1.996,76R$ 1.002,17R$ 994,59R$ 113.539,65
162R$ 1.996,76R$ 993,47R$ 1.003,29R$ 112.536,36
163R$ 1.996,76R$ 984,69R$ 1.012,07R$ 111.524,30
164R$ 1.996,76R$ 975,84R$ 1.020,92R$ 110.503,37
165R$ 1.996,76R$ 966,90R$ 1.029,86R$ 109.473,52
166R$ 1.996,76R$ 957,89R$ 1.038,87R$ 108.434,65
167R$ 1.996,76R$ 948,80R$ 1.047,96R$ 107.386,69
168R$ 1.996,76R$ 939,63R$ 1.057,13R$ 106.329,57
169R$ 1.996,76R$ 930,38R$ 1.066,38R$ 105.263,19
170R$ 1.996,76R$ 921,05R$ 1.075,71R$ 104.187,49
171R$ 1.996,76R$ 911,64R$ 1.085,12R$ 103.102,37
172R$ 1.996,76R$ 902,15R$ 1.094,61R$ 102.007,75
173R$ 1.996,76R$ 892,57R$ 1.104,19R$ 100.903,56
174R$ 1.996,76R$ 882,91R$ 1.113,85R$ 99.789,71
175R$ 1.996,76R$ 873,16R$ 1.123,60R$ 98.666,11
176R$ 1.996,76R$ 863,33R$ 1.133,43R$ 97.532,68
177R$ 1.996,76R$ 853,41R$ 1.143,35R$ 96.389,33
178R$ 1.996,76R$ 843,41R$ 1.153,35R$ 95.235,97
179R$ 1.996,76R$ 833,31R$ 1.163,45R$ 94.072,53
180R$ 1.996,76R$ 823,13R$ 1.173,63R$ 92.898,90
181R$ 1.996,76R$ 812,87R$ 1.183,89R$ 91.715,01
182R$ 1.996,76R$ 802,51R$ 1.194,25R$ 90.520,76
183R$ 1.996,76R$ 792,06R$ 1.204,70R$ 89.316,05
184R$ 1.996,76R$ 781,52R$ 1.215,24R$ 88.100,81
185R$ 1.996,76R$ 770,88R$ 1.225,88R$ 86.874,93
186R$ 1.996,76R$ 760,16R$ 1.236,60R$ 85.638,33
187R$ 1.996,76R$ 749,34R$ 1.247,42R$ 84.390,90
188R$ 1.996,76R$ 738,42R$ 1.258,34R$ 83.132,56
189R$ 1.996,76R$ 727,41R$ 1.269,35R$ 81.863,21
190R$ 1.996,76R$ 716,30R$ 1.280,46R$ 80.582,76
191R$ 1.996,76R$ 705,10R$ 1.291,66R$ 79.291,10
192R$ 1.996,76R$ 693,80R$ 1.302,96R$ 77.988,13
193R$ 1.996,76R$ 682,40R$ 1.314,36R$ 76.673,77
194R$ 1.996,76R$ 670,90R$ 1.325,86R$ 75.347,90
195R$ 1.996,76R$ 659,29R$ 1.337,47R$ 74.010,44
196R$ 1.996,76R$ 647,59R$ 1.349,17R$ 72.661,27
197R$ 1.996,76R$ 635,79R$ 1.360,97R$ 71.300,30
198R$ 1.996,76R$ 623,88R$ 1.372,88R$ 69.927,41
199R$ 1.996,76R$ 611,86R$ 1.384,89R$ 68.542,52
200R$ 1.996,76R$ 599,75R$ 1.397,01R$ 67.145,51
201R$ 1.996,76R$ 587,52R$ 1.409,24R$ 65.736,27
202R$ 1.996,76R$ 575,19R$ 1.421,57R$ 64.314,70
203R$ 1.996,76R$ 562,75R$ 1.434,01R$ 62.880,70
204R$ 1.996,76R$ 550,21R$ 1.446,55R$ 61.434,14
205R$ 1.996,76R$ 537,55R$ 1.459,21R$ 59.974,93
206R$ 1.996,76R$ 524,78R$ 1.471,98R$ 58.502,95
207R$ 1.996,76R$ 511,90R$ 1.484,86R$ 57.018,09
208R$ 1.996,76R$ 498,91R$ 1.497,85R$ 55.520,24
209R$ 1.996,76R$ 485,80R$ 1.510,96R$ 54.009,29
210R$ 1.996,76R$ 472,58R$ 1.524,18R$ 52.485,11
211R$ 1.996,76R$ 459,24R$ 1.537,52R$ 50.947,59
212R$ 1.996,76R$ 445,79R$ 1.550,97R$ 49.396,62
213R$ 1.996,76R$ 432,22R$ 1.564,54R$ 47.832,08
214R$ 1.996,76R$ 418,53R$ 1.578,23R$ 46.253,85
215R$ 1.996,76R$ 404,72R$ 1.592,04R$ 44.661,82
216R$ 1.996,76R$ 390,79R$ 1.605,97R$ 43.055,85
217R$ 1.996,76R$ 376,74R$ 1.620,02R$ 41.435,83
218R$ 1.996,76R$ 362,56R$ 1.634,20R$ 39.801,63
219R$ 1.996,76R$ 348,26R$ 1.648,50R$ 38.153,13
220R$ 1.996,76R$ 333,84R$ 1.662,92R$ 36.490,21
221R$ 1.996,76R$ 319,29R$ 1.677,47R$ 34.812,74
222R$ 1.996,76R$ 304,61R$ 1.692,15R$ 33.120,60
223R$ 1.996,76R$ 289,81R$ 1.706,95R$ 31.413,64
224R$ 1.996,76R$ 274,87R$ 1.721,89R$ 29.691,75
225R$ 1.996,76R$ 259,80R$ 1.736,96R$ 27.954,79
226R$ 1.996,76R$ 244,60R$ 1.752,16R$ 26.202,64
227R$ 1.996,76R$ 229,27R$ 1.767,49R$ 24.435,15
228R$ 1.996,76R$ 213,81R$ 1.782,95R$ 22.652,20
229R$ 1.996,76R$ 198,21R$ 1.798,55R$ 20.853,65
230R$ 1.996,76R$ 182,47R$ 1.814,29R$ 19.039,36
231R$ 1.996,76R$ 166,59R$ 1.830,17R$ 17.209,19
232R$ 1.996,76R$ 150,58R$ 1.846,18R$ 15.363,01
233R$ 1.996,76R$ 134,43R$ 1.862,33R$ 13.500,68
234R$ 1.996,76R$ 118,13R$ 1.878,63R$ 11.622,05
235R$ 1.996,76R$ 101,69R$ 1.895,07R$ 9.726,98
236R$ 1.996,76R$ 85,11R$ 1.911,65R$ 7.815,33
237R$ 1.996,76R$ 68,38R$ 1.928,38R$ 5.886,96
238R$ 1.996,76R$ 51,51R$ 1.945,25R$ 3.941,71
239R$ 1.996,76R$ 34,49R$ 1.962,27R$ 1.979,44
240R$ 1.996,76R$ 17,32R$ 1.979,44R$ 0,00
Veja no SACLeia: SAC ou Price?O que é CET
Como funciona esta calculadora

Na Tabela Price, todas as parcelas têm o mesmo valor. Isso facilita o planejamento, mas no início a maior parte da parcela paga juros, e a dívida cai devagar.

Parcela = Valor × i ÷ [1 − (1 + i)−n]

A simulação não inclui reajustes por índices, seguros variáveis nem tarifas. Confirme com a proposta do banco, olhando o CET.

Para entender melhor

Crédito e dívidas

CET: o custo de verdade de um empréstimo

Juros são só parte da conta. Peça sempre o Custo Efetivo Total antes de assinar.

LerCrédito e dívidas

SAC ou Price: qual tabela de financiamento escolher

As duas tabelas, com a mesma taxa, geram parcelas e custo total diferentes.

Ler

Outras calculadoras

Juros simplesJuros compostosFinanciamento SACÍndices financeiros pessoaisReserva de emergênciaÀ vista ou parcelado

Fontes e referências

Resultados são estimativas educativas, sem impostos e taxas, a menos que indicado. Não constituem recomendação de investimento. Atualizado em 31/10/2026. Viu algo errado? Envie uma correção.