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Amortização de hipoteca

Veja como os pagamentos hipotecários dividem entre principal e juros, e como os pagamentos extras mudam o saldo e o cronograma de pagamento.

Moeda: BRL

Insira todos os valores em BRL. A troca de moeda mantém os números; nenhuma taxa de câmbio é aplicada.

Seus dados

Pagamentos extras e outras premissas
Mês do primeiro pagamento

Os cálculos são feitos no navegador. Não é necessário ter conta.

RESULTADO DE EXEMPLOCalculado no dispositivo
Custo inicial mensal de propriedade
R$ 2.422,62
Parcela mensal regular
R$ 2.022,62
Valor do empréstimo
R$ 320.000,00
Juros totais
R$ 408.142,36
Pagamentos totais
R$ 728.142,36
Prazo de quitação
360 meses
Entrada
R$ 80.000,00
Custos de propriedade durante o empréstimo
R$ 144.000,00

Sobre este resultado

O custo de propriedade exclui pagamentos adicionais de principal. A entrada de seguros permanece constante, exceto para o crescimento inserido; cancelamento de seguro hipotecário não é automático.

Ir para a tabela completa
Meu espaço

Calcule com seus dados para salvar um resultado ou comparar cenários.

Saldo do empréstimo ao longo do tempo

BRL
Saldo
079,9 mil159,9 mil239,8 mil319,7 mil1180360
Pagamento 360
SaldoR$ 0,00

Composição dos pagamentos do empréstimo

BRL

Principal e juros ao longo do prazo do empréstimo.

TotalR$ 728.142,36
  • CapitalR$ 320.000,0043,9%
  • JurosR$ 408.142,3656,1%

Detalhamento completo

Todas as 360 linhas

O cálculo completo, linha por linha. Valores em BRL.

Deslize horizontalmente para ver mais colunas.
Detalhamento completo · Todas as 360 linhas
PagamentoMêsValor do pagamento (BRL)Capital (BRL)Juros (BRL)Saldo (BRL)
12026-112.022,62289,281.733,33319.710,72
22026-122.022,62290,851.731,77319.419,86
32027-012.022,62292,431.730,19319.127,44
42027-022.022,62294,011.728,61318.833,43
52027-032.022,62295,601.727,01318.537,82
62027-042.022,62297,201.725,41318.240,62
72027-052.022,62298,811.723,80317.941,80
82027-062.022,62300,431.722,18317.641,37
92027-072.022,62302,061.720,56317.339,31
102027-082.022,62303,701.718,92317.035,62
112027-092.022,62305,341.717,28316.730,27
122027-102.022,62307,001.715,62316.423,28
132027-112.022,62308,661.713,96316.114,62
142027-122.022,62310,331.712,29315.804,29
152028-012.022,62312,011.710,61315.492,28
162028-022.022,62313,701.708,92315.178,58
172028-032.022,62315,401.707,22314.863,18
182028-042.022,62317,111.705,51314.546,07
192028-052.022,62318,831.703,79314.227,24
202028-062.022,62320,551.702,06313.906,69
212028-072.022,62322,291.700,33313.584,40
222028-082.022,62324,041.698,58313.260,36
232028-092.022,62325,791.696,83312.934,57
242028-102.022,62327,561.695,06312.607,02
252028-112.022,62329,331.693,29312.277,69
262028-122.022,62331,111.691,50311.946,57
272029-012.022,62332,911.689,71311.613,67
282029-022.022,62334,711.687,91311.278,96
292029-032.022,62336,521.686,09310.942,43
302029-042.022,62338,351.684,27310.604,09
312029-052.022,62340,181.682,44310.263,91
322029-062.022,62342,021.680,60309.921,89
332029-072.022,62343,871.678,74309.578,01
342029-082.022,62345,741.676,88309.232,28
352029-092.022,62347,611.675,01308.884,67
362029-102.022,62349,491.673,13308.535,17
372029-112.022,62351,391.671,23308.183,79
382029-122.022,62353,291.669,33307.830,50
392030-012.022,62355,201.667,42307.475,30
402030-022.022,62357,131.665,49307.118,17
412030-032.022,62359,061.663,56306.759,11
422030-042.022,62361,011.661,61306.398,10
432030-052.022,62362,961.659,66306.035,14
442030-062.022,62364,931.657,69305.670,22
452030-072.022,62366,901.655,71305.303,31
462030-082.022,62368,891.653,73304.934,42
472030-092.022,62370,891.651,73304.563,53
482030-102.022,62372,901.649,72304.190,63
492030-112.022,62374,921.647,70303.815,71
502030-122.022,62376,951.645,67303.438,76
512031-012.022,62378,991.643,63303.059,77
522031-022.022,62381,041.641,57302.678,73
532031-032.022,62383,111.639,51302.295,62
542031-042.022,62385,181.637,43301.910,44
552031-052.022,62387,271.635,35301.523,17
562031-062.022,62389,371.633,25301.133,80
572031-072.022,62391,481.631,14300.742,33
582031-082.022,62393,601.629,02300.348,73
592031-092.022,62395,731.626,89299.953,00
602031-102.022,62397,871.624,75299.555,13
612031-112.022,62400,031.622,59299.155,10
622031-122.022,62402,191.620,42298.752,91
632032-012.022,62404,371.618,24298.348,53
642032-022.022,62406,561.616,05297.941,97
652032-032.022,62408,771.613,85297.533,20
662032-042.022,62410,981.611,64297.122,23
672032-052.022,62413,211.609,41296.709,02
682032-062.022,62415,441.607,17296.293,58
692032-072.022,62417,691.604,92295.875,88
702032-082.022,62419,961.602,66295.455,93
712032-092.022,62422,231.600,39295.033,69
722032-102.022,62424,521.598,10294.609,18
732032-112.022,62426,821.595,80294.182,36
742032-122.022,62429,131.593,49293.753,23
752033-012.022,62431,451.591,16293.321,77
762033-022.022,62433,791.588,83292.887,98
772033-032.022,62436,141.586,48292.451,84
782033-042.022,62438,501.584,11292.013,34
792033-052.022,62440,881.581,74291.572,46
802033-062.022,62443,271.579,35291.129,19
812033-072.022,62445,671.576,95290.683,52
822033-082.022,62448,081.574,54290.235,44
832033-092.022,62450,511.572,11289.784,93
842033-102.022,62452,951.569,67289.331,98
852033-112.022,62455,401.567,21288.876,58
862033-122.022,62457,871.564,75288.418,71
872034-012.022,62460,351.562,27287.958,36
882034-022.022,62462,841.559,77287.495,52
892034-032.022,62465,351.557,27287.030,17
902034-042.022,62467,871.554,75286.562,30
912034-052.022,62470,411.552,21286.091,89
922034-062.022,62472,951.549,66285.618,94
932034-072.022,62475,521.547,10285.143,42
942034-082.022,62478,091.544,53284.665,33
952034-092.022,62480,681.541,94284.184,65
962034-102.022,62483,281.539,33283.701,37
972034-112.022,62485,901.536,72283.215,47
982034-122.022,62488,531.534,08282.726,93
992035-012.022,62491,181.531,44282.235,75
1002035-022.022,62493,841.528,78281.741,91
1012035-032.022,62496,521.526,10281.245,40
1022035-042.022,62499,211.523,41280.746,19
1032035-052.022,62501,911.520,71280.244,28
1042035-062.022,62504,631.517,99279.739,65
1052035-072.022,62507,361.515,26279.232,29
1062035-082.022,62510,111.512,51278.722,18
1072035-092.022,62512,871.509,75278.209,31
1082035-102.022,62515,651.506,97277.693,66
1092035-112.022,62518,441.504,17277.175,22
1102035-122.022,62521,251.501,37276.653,96
1112036-012.022,62524,081.498,54276.129,89
1122036-022.022,62526,911.495,70275.602,97
1132036-032.022,62529,771.492,85275.073,21
1142036-042.022,62532,641.489,98274.540,57
1152036-052.022,62535,521.487,09274.005,05
1162036-062.022,62538,421.484,19273.466,62
1172036-072.022,62541,341.481,28272.925,28
1182036-082.022,62544,271.478,35272.381,01
1192036-092.022,62547,221.475,40271.833,79
1202036-102.022,62550,181.472,43271.283,60
1212036-112.022,62553,161.469,45270.730,44
1222036-122.022,62556,161.466,46270.174,28
1232037-012.022,62559,171.463,44269.615,10
1242037-022.022,62562,201.460,42269.052,90
1252037-032.022,62565,251.457,37268.487,65
1262037-042.022,62568,311.454,31267.919,34
1272037-052.022,62571,391.451,23267.347,96
1282037-062.022,62574,481.448,13266.773,47
1292037-072.022,62577,591.445,02266.195,88
1302037-082.022,62580,721.441,89265.615,16
1312037-092.022,62583,871.438,75265.031,29
1322037-102.022,62587,031.435,59264.444,26
1332037-112.022,62590,211.432,41263.854,04
1342037-122.022,62593,411.429,21263.260,64
1352038-012.022,62596,621.426,00262.664,01
1362038-022.022,62599,851.422,76262.064,16
1372038-032.022,62603,101.419,51261.461,06
1382038-042.022,62606,371.416,25260.854,69
1392038-052.022,62609,651.412,96260.245,03
1402038-062.022,62612,961.409,66259.632,07
1412038-072.022,62616,281.406,34259.015,80
1422038-082.022,62619,621.403,00258.396,18
1432038-092.022,62622,971.399,65257.773,21
1442038-102.022,62626,351.396,27257.146,86
1452038-112.022,62629,741.392,88256.517,12
1462038-122.022,62633,151.389,47255.883,97
1472039-012.022,62636,581.386,04255.247,39
1482039-022.022,62640,031.382,59254.607,37
1492039-032.022,62643,491.379,12253.963,87
1502039-042.022,62646,981.375,64253.316,89
1512039-052.022,62650,481.372,13252.666,41
1522039-062.022,62654,011.368,61252.012,40
1532039-072.022,62657,551.365,07251.354,85
1542039-082.022,62661,111.361,51250.693,74
1552039-092.022,62664,691.357,92250.029,04
1562039-102.022,62668,291.354,32249.360,75
1572039-112.022,62671,911.350,70248.688,84
1582039-122.022,62675,551.347,06248.013,28
1592040-012.022,62679,211.343,41247.334,07
1602040-022.022,62682,891.339,73246.651,18
1612040-032.022,62686,591.336,03245.964,59
1622040-042.022,62690,311.332,31245.274,28
1632040-052.022,62694,051.328,57244.580,23
1642040-062.022,62697,811.324,81243.882,42
1652040-072.022,62701,591.321,03243.180,84
1662040-082.022,62705,391.317,23242.475,45
1672040-092.022,62709,211.313,41241.766,24
1682040-102.022,62713,051.309,57241.053,19
1692040-112.022,62716,911.305,70240.336,27
1702040-122.022,62720,801.301,82239.615,48
1712041-012.022,62724,701.297,92238.890,78
1722041-022.022,62728,631.293,99238.162,15
1732041-032.022,62732,571.290,04237.429,58
1742041-042.022,62736,541.286,08236.693,04
1752041-052.022,62740,531.282,09235.952,51
1762041-062.022,62744,541.278,08235.207,97
1772041-072.022,62748,571.274,04234.459,39
1782041-082.022,62752,631.269,99233.706,76
1792041-092.022,62756,711.265,91232.950,06
1802041-102.022,62760,801.261,81232.189,25
1812041-112.022,62764,931.257,69231.424,33
1822041-122.022,62769,071.253,55230.655,26
1832042-012.022,62773,241.249,38229.882,02
1842042-022.022,62777,421.245,19229.104,60
1852042-032.022,62781,631.240,98228.322,96
1862042-042.022,62785,871.236,75227.537,10
1872042-052.022,62790,131.232,49226.746,97
1882042-062.022,62794,401.228,21225.952,57
1892042-072.022,62798,711.223,91225.153,86
1902042-082.022,62803,031.219,58224.350,82
1912042-092.022,62807,381.215,23223.543,44
1922042-102.022,62811,761.210,86222.731,68
1932042-112.022,62816,151.206,46221.915,53
1942042-122.022,62820,581.202,04221.094,95
1952043-012.022,62825,021.197,60220.269,93
1962043-022.022,62829,491.193,13219.440,44
1972043-032.022,62833,981.188,64218.606,46
1982043-042.022,62838,501.184,12217.767,96
1992043-052.022,62843,041.179,58216.924,92
2002043-062.022,62847,611.175,01216.077,31
2012043-072.022,62852,201.170,42215.225,11
2022043-082.022,62856,811.165,80214.368,30
2032043-092.022,62861,461.161,16213.506,84
2042043-102.022,62866,121.156,50212.640,72
2052043-112.022,62870,811.151,80211.769,91
2062043-122.022,62875,531.147,09210.894,38
2072044-012.022,62880,271.142,34210.014,10
2082044-022.022,62885,041.137,58209.129,06
2092044-032.022,62889,841.132,78208.239,23
2102044-042.022,62894,661.127,96207.344,57
2112044-052.022,62899,501.123,12206.445,07
2122044-062.022,62904,371.118,24205.540,70
2132044-072.022,62909,271.113,35204.631,42
2142044-082.022,62914,201.108,42203.717,23
2152044-092.022,62919,151.103,47202.798,08
2162044-102.022,62924,131.098,49201.873,95
2172044-112.022,62929,131.093,48200.944,82
2182044-122.022,62934,171.088,45200.010,65
2192045-012.022,62939,231.083,39199.071,42
2202045-022.022,62944,311.078,30198.127,11
2212045-032.022,62949,431.073,19197.177,68
2222045-042.022,62954,571.068,05196.223,11
2232045-052.022,62959,741.062,88195.263,37
2242045-062.022,62964,941.057,68194.298,42
2252045-072.022,62970,171.052,45193.328,26
2262045-082.022,62975,421.047,19192.352,83
2272045-092.022,62980,711.041,91191.372,13
2282045-102.022,62986,021.036,60190.386,11
2292045-112.022,62991,361.031,26189.394,75
2302045-122.022,62996,731.025,89188.398,02
2312046-012.022,621.002,131.020,49187.395,89
2322046-022.022,621.007,561.015,06186.388,33
2332046-032.022,621.013,011.009,60185.375,32
2342046-042.022,621.018,501.004,12184.356,82
2352046-052.022,621.024,02998,60183.332,80
2362046-062.022,621.029,57993,05182.303,24
2372046-072.022,621.035,14987,48181.268,09
2382046-082.022,621.040,75981,87180.227,34
2392046-092.022,621.046,39976,23179.180,96
2402046-102.022,621.052,05970,56178.128,90
2412046-112.022,621.057,75964,86177.071,15
2422046-122.022,621.063,48959,14176.007,67
2432047-012.022,621.069,24953,37174.938,43
2442047-022.022,621.075,03947,58173.863,39
2452047-032.022,621.080,86941,76172.782,53
2462047-042.022,621.086,71935,91171.695,82
2472047-052.022,621.092,60930,02170.603,22
2482047-062.022,621.098,52924,10169.504,71
2492047-072.022,621.104,47918,15168.400,24
2502047-082.022,621.110,45912,17167.289,79
2512047-092.022,621.116,46906,15166.173,32
2522047-102.022,621.122,51900,11165.050,81
2532047-112.022,621.128,59894,03163.922,22
2542047-122.022,621.134,71887,91162.787,51
2552048-012.022,621.140,85881,77161.646,66
2562048-022.022,621.147,03875,59160.499,63
2572048-032.022,621.153,24869,37159.346,39
2582048-042.022,621.159,49863,13158.186,89
2592048-052.022,621.165,77856,85157.021,12
2602048-062.022,621.172,09850,53155.849,04
2612048-072.022,621.178,44844,18154.670,60
2622048-082.022,621.184,82837,80153.485,78
2632048-092.022,621.191,24831,38152.294,55
2642048-102.022,621.197,69824,93151.096,86
2652048-112.022,621.204,18818,44149.892,68
2662048-122.022,621.210,70811,92148.681,98
2672049-012.022,621.217,26805,36147.464,72
2682049-022.022,621.223,85798,77146.240,87
2692049-032.022,621.230,48792,14145.010,39
2702049-042.022,621.237,14785,47143.773,25
2712049-052.022,621.243,85778,77142.529,40
2722049-062.022,621.250,58772,03141.278,82
2732049-072.022,621.257,36765,26140.021,46
2742049-082.022,621.264,17758,45138.757,30
2752049-092.022,621.271,02751,60137.486,28
2762049-102.022,621.277,90744,72136.208,38
2772049-112.022,621.284,82737,80134.923,56
2782049-122.022,621.291,78730,84133.631,78
2792050-012.022,621.298,78723,84132.333,00
2802050-022.022,621.305,81716,80131.027,18
2812050-032.022,621.312,89709,73129.714,30
2822050-042.022,621.320,00702,62128.394,30
2832050-052.022,621.327,15695,47127.067,15
2842050-062.022,621.334,34688,28125.732,81
2852050-072.022,621.341,56681,05124.391,25
2862050-082.022,621.348,83673,79123.042,41
2872050-092.022,621.356,14666,48121.686,28
2882050-102.022,621.363,48659,13120.322,79
2892050-112.022,621.370,87651,75118.951,92
2902050-122.022,621.378,29644,32117.573,63
2912051-012.022,621.385,76636,86116.187,87
2922051-022.022,621.393,27629,35114.794,60
2932051-032.022,621.400,81621,80113.393,79
2942051-042.022,621.408,40614,22111.985,39
2952051-052.022,621.416,03606,59110.569,36
2962051-062.022,621.423,70598,92109.145,66
2972051-072.022,621.431,41591,21107.714,24
2982051-082.022,621.439,17583,45106.275,08
2992051-092.022,621.446,96575,66104.828,12
3002051-102.022,621.454,80567,82103.373,32
3012051-112.022,621.462,68559,94101.910,64
3022051-122.022,621.470,60552,02100.440,04
3032052-012.022,621.478,57544,0598.961,47
3042052-022.022,621.486,58536,0497.474,89
3052052-032.022,621.494,63527,9995.980,27
3062052-042.022,621.502,72519,8994.477,54
3072052-052.022,621.510,86511,7592.966,68
3082052-062.022,621.519,05503,5791.447,63
3092052-072.022,621.527,28495,3489.920,35
3102052-082.022,621.535,55487,0788.384,80
3112052-092.022,621.543,87478,7586.840,94
3122052-102.022,621.552,23470,3985.288,71
3132052-112.022,621.560,64461,9883.728,07
3142052-122.022,621.569,09453,5382.158,98
3152053-012.022,621.577,59445,0380.581,39
3162053-022.022,621.586,14436,4878.995,25
3172053-032.022,621.594,73427,8977.400,53
3182053-042.022,621.603,36419,2575.797,16
3192053-052.022,621.612,05410,5774.185,11
3202053-062.022,621.620,78401,8472.564,33
3212053-072.022,621.629,56393,0670.934,77
3222053-082.022,621.638,39384,2369.296,38
3232053-092.022,621.647,26375,3667.649,12
3242053-102.022,621.656,18366,4365.992,94
3252053-112.022,621.665,16357,4664.327,78
3262053-122.022,621.674,18348,4462.653,60
3272054-012.022,621.683,24339,3760.970,36
3282054-022.022,621.692,36330,2659.278,00
3292054-032.022,621.701,53321,0957.576,47
3302054-042.022,621.710,75311,8755.865,73
3312054-052.022,621.720,01302,6154.145,71
3322054-062.022,621.729,33293,2952.416,38
3332054-072.022,621.738,70283,9250.677,69
3342054-082.022,621.748,11274,5048.929,58
3352054-092.022,621.757,58265,0447.171,99
3362054-102.022,621.767,10255,5145.404,89
3372054-112.022,621.776,67245,9443.628,22
3382054-122.022,621.786,30236,3241.841,92
3392055-012.022,621.795,97226,6440.045,94
3402055-022.022,621.805,70216,9238.240,24
3412055-032.022,621.815,48207,1336.424,76
3422055-042.022,621.825,32197,3034.599,44
3432055-052.022,621.835,20187,4132.764,24
3442055-062.022,621.845,14177,4730.919,09
3452055-072.022,621.855,14167,4829.063,95
3462055-082.022,621.865,19157,4327.198,77
3472055-092.022,621.875,29147,3325.323,47
3482055-102.022,621.885,45137,1723.438,03
3492055-112.022,621.895,66126,9621.542,36
3502055-122.022,621.905,93116,6919.636,43
3512056-012.022,621.916,25106,3617.720,18
3522056-022.022,621.926,6395,9815.793,55
3532056-032.022,621.937,0785,5513.856,48
3542056-042.022,621.947,5675,0611.908,92
3552056-052.022,621.958,1164,519.950,81
3562056-062.022,621.968,7253,907.982,09
3572056-072.022,621.979,3843,246.002,71
3582056-082.022,621.990,1032,514.012,60
3592056-092.022,622.000,8821,732.011,72
3602056-102.022,622.011,7210,900,00

Como funciona

Uma distinção útil

Metade do prazo não é metade quitada

Com taxa fixa positiva e sem pagamentos extras, mais da metade do principal continua devida na metade do prazo. Consulte o saldo na data prevista de venda, em vez de dividir o empréstimo proporcionalmente.

Leitura de um cronograma de amortização hipotecária

O cronograma de amortização mostra como cada pagamento da hipoteca é dividido entre juros e principal. Olhe para o saldo restante na data que você espera vender ou refinanciar, bem como o interesse total ao longo do prazo. Um saldo pendente mais baixo não significa que cada pagamento foi para o principal; a coluna de juros explica a diferença.

amortização hipotecaFórmula e pressupostos

Empréstimo = preço × (1−down%). Pagamento mensal = Pr/[1−(1+r)^−n].

O cronograma assume uma taxa de juros fixa durante o período de amortização inserido. Os custos de propriedade são monitorados separadamente do principal do empréstimo e dos juros.

Exemplo trabalhado

Moeda de exemplo de referência: USD. Estes exemplos fixos não mudam com as preferências da calculadora.

Usando o amortização hipoteca Exemplo:

Dados
Preço do imóvel ($)
400000
Entrada (%)
20
Taxa de juros anual (%)
6.5
Prazo (anos)
30
Imposto anual sobre imóvel ($)
3600
Seguro residencial anual ($)
1200
Seguro hipotecário mensal ($)
0
Taxas mensais de condomínio ($)
0
Outros custos mensais do imóvel ($)
0
Aumento anual do imposto (%)
0
Aumento anual do seguro (%)
0
Aumento anual do condomínio (%)
0
Amortização extra mensal ($)
0
Amortização extra anual ($)
0
Amortização extra única ($)
0
Mês do pagamento único
12
Mês do primeiro pagamento
2026-11-01
Método

Empréstimo = preço × (1−down%). Pagamento mensal = Pr/[1−(1+r)^−n].

Resultado

Resultado do exemplo

Custo inicial mensal de propriedade: US$ 2.422,62

Parcela mensal regular: US$ 2.022,62

Valor do empréstimo: US$ 320.000,00

Juros totais: US$ 408.142,36

Pagamentos totais: US$ 728.142,36

Prazo de quitação: 360 meses

Entrada: US$ 80.000,00

Custos de propriedade durante o empréstimo: US$ 144.000,00

  • O custo de propriedade exclui pagamentos adicionais de principal. A entrada de seguros permanece constante, exceto para o crescimento inserido; cancelamento de seguro hipotecário não é automático.

São inputs ilustrativos. Mude os valores para explorar um cenário diferente.

O que ter em mente

Esta é uma estimativa, não uma oferta de empréstimo. Impostos, seguros, cancelamento de seguro hipotecário, termos de renovação e taxas dependem do seu acordo.

Referências das fórmulas

As referências explicam os métodos subjacentes; elas não implicam endosso ou revisão profissional individual do Finflo.

Perguntas comuns

Por que a participação de juros cai ao longo do tempo?

Os juros são calculados sobre o saldo restante. Como principal cai, menos de um pagamento fixo vai para juros.

O cronograma prevê mudanças futuras nas taxas de hipoteca?

- Não. Ele usa a taxa fixa inserida ao longo do prazo; ajustes de taxa variável e refinanciamento exigem um cenário diferente.

Preparado pelo Finflo. Nossa metodologia · Política editorial · Aviso legal