Tabela de Amortização

Veja como o saldo do seu empréstimo diminui ao longo do tempo.

When you make a fixed loan payment, the way your money is distributed changes every single month. In the early stages of a loan, most of your payment goes toward interest, while very little reduces the actual balance. As time goes on, this relationship flips. Our Amortization Calculator provides a detailed yearly breakdown of this process. By visualizing exactly how much 'equity' you are building in your home or car each year, you can better understand the true progress of your debt repayment.

Valor do empréstimo

Taxa de juro (%)

Prazo (anos)

Prestação mensal

$1,264.14

Total interest paid: $255,088.98 over 30 years

Valor do empréstimo$200,000.00

Taxa de juro (%)6.5%

Prazo (anos)30 years

Ano	Capital	Juros	Saldo
1	$2,235.45	$12,934.18	$197,764.55
2	$2,385.16	$12,784.47	$195,379.39
3	$2,544.90	$12,624.73	$192,834.48
4	$2,715.34	$12,454.29	$190,119.14
5	$2,897.19	$12,272.44	$187,221.95
6	$3,091.22	$12,078.41	$184,130.73
7	$3,298.25	$11,871.39	$180,832.49
8	$3,519.13	$11,650.50	$177,313.35
9	$3,754.82	$11,414.81	$173,558.54
10	$4,006.28	$11,163.35	$169,552.25
11	$4,274.59	$10,895.04	$165,277.66
12	$4,560.87	$10,608.76	$160,716.79
13	$4,866.32	$10,303.31	$155,850.47
14	$5,192.23	$9,977.41	$150,658.24
15	$5,539.96	$9,629.67	$145,118.28
16	$5,910.98	$9,258.65	$139,207.30
17	$6,306.85	$8,862.78	$132,900.45
18	$6,729.23	$8,440.40	$126,171.22
19	$7,179.90	$7,989.73	$118,991.32
20	$7,660.75	$7,508.88	$111,330.57
21	$8,173.81	$6,995.83	$103,156.76
22	$8,721.22	$6,448.41	$94,435.54
23	$9,305.30	$5,864.33	$85,130.24
24	$9,928.49	$5,241.14	$75,201.75
25	$10,593.42	$4,576.21	$64,608.32
26	$11,302.88	$3,866.75	$53,305.44
27	$12,059.86	$3,109.78	$41,245.58
28	$12,867.53	$2,302.10	$28,378.06
29	$13,729.29	$1,440.34	$14,648.77
30	$14,648.77	$520.87	$0.00

Como funciona

The calculator generates a month-by-month ledger of your loan. For each period, it calculates (Balance * Monthly Interest Rate) to find the interest portion, subtracts that from your fixed payment to find the principal portion, and reduces the balance accordingly. These values are then aggregated into a yearly summary for easy reading.

Fórmula de cálculo

Interest_mo = Balance × (Rate / 12)

Calculation Examples

1. **Mortgage Example**: On a $300,000 30-year loan at 6%, in Year 1 you pay **$17,800 in interest** and only **$3,700 in principal**. By Year 25, you are paying **$14,000 in principal** and only **$7,500 in interest**.

Why use this tool in your daily life?

Knowledge is equity. Understanding your amortization schedule allows you to see the true cost of your loan and identifies the massive impact that making even one extra principal payment can have on your long-term interest savings.

Dica

Salve esta ferramenta nos favoritos para acesso rápido. Tudo funciona localmente no seu navegador.