Skip to content
PT EN

Loan calculator (SAC vs Price)

Simulate the installments of a mortgage or car loan in the SAC and Price systems.

R$
% a.m.
meses
Fixed installment
$2,057.23
Total paid$740,601.07
Total interest$540,601.07
Interest over principal270.3%

In Price the installment is fixed throughout. Estimate without insurance and admin fees.

How the calculation works

Two amortization systems dominate Brazilian credit:

  • Price: fixed installment. PMT = V · i / (1 − (1+i)^−n)
  • SAC: fixed amortization (V/n); installment starts higher and decreases, with less total interest.

Frequently asked questions

SAC or Price: which pays less interest?

SAC usually pays less total interest, but the first installments are higher. Price has a fixed, more predictable installment.

Related calculators

Compound interest

See how your money grows over time with monthly contributions and an evolution chart.

CLT vs PJ (employee vs contractor)

Compare real take-home as a CLT employee (with 13th salary, vacation and FGTS) versus a PJ contractor.

Updated on June 17, 2026 · by Rafael Rossi · Methodology & sources