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Loan Simulator
Loan Simulator: Calculate loan with speed and clarity. Runs straight in the browser and keeps the workflow lightweight. Useful when you need a reliable.
No sign-up
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100% free
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Private
R$
%
Months
Installment 1
Total Paid
Total Interest
| # | Installment | Amortization | Interest | Balance |
|---|
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Why use Loan Simulator
People searching for quick answers often land here because Loan Simulator matches common searches such as Loan Simulator, online loan and a practical way to handle loan The focus is to turn inputs into a clear calculation, showing the result in a way that is easy to review before you act on it.
Use Loan Simulator when you need to simulate or calculate without hiding the logic without opening spreadsheets, heavy editors or back-and-forth forms. Useful for budgets, projections, payroll checks and practical money decisions that need a transparent calculation. The page is structured to answer the practical question first, then give enough context to review the result with confidence. That matters when the result will be used to compare scenarios or explain a decision.
Where this tool is most useful
- Transparent calculation for a practical way to handle Loan Simulator
- Clear output that is easier to review and trust for money decisions with transparent logic
- Local-first handling for Works well in short operational workflows
For client-side tools, the page highlights local execution and practical steps so the result feels trustworthy before you move on. If this step is only part of your workflow, nearby tools like Loan Calculator, First Million and Compound Interest help you continue without redoing context from scratch.
Loan Simulator — Full Amortization Table
The Loan Simulator is a free online tool that generates a complete amortization schedule for your loan, showing every single installment from first to last with the breakdown of principal, interest, insurance, fees, and remaining balance. Choose between the Price (SAC) and SAC (Sistema de Amortização Constante) amortization methods — the two systems most commonly used in Brazilian banking — to compare how each affects your monthly payments and total cost.Enter the loan amount, annual interest rate, loan term in months, and select the amortization system. The simulator generates a detailed table showing each month's installment amount, principal portion, interest portion, and outstanding balance. For the Price system, installments are fixed throughout the loan term. For the SAC system, the principal portion is constant while interest decreases monthly, resulting in decreasing installments over time. A summary section compares total paid, total interest, and effective cost for both systems side by side.Mortgage shoppers evaluate the total cost difference between SAC and Price before choosing a home loan. Financial planners create detailed repayment schedules for clients. Real estate agents help buyers understand the financial implications of different loan terms. Students studying financial mathematics visualize amortization dynamics. Accountants prepare loan amortization schedules for financial statements. The full table can be copied or exported for further analysis in spreadsheets.Loan Simulator is part of the facilita.tools suite of free Brazilian financial utilities. Available in Portuguese, English, and Spanish, optimized for desktop and mobile.
Frequently Asked Questions
What does Loan Simulator do?
Loan Simulator helps you calculate loan with a short, direct workflow. It is meant for people who need an answer quickly without losing the context behind the result.
When should I use Loan Simulator?
Use Loan Simulator when the priority is speed, repeatability and fewer manual steps. It works well for quick checks, operational routines and situations where you do not want to open a full application for a small task.
Does Loan Simulator keep my data private?
For client-side tools, the main processing happens in the browser. That reduces friction for sensitive or temporary inputs and makes the page useful for quick private checks.
How is Loan Simulator different from nearby tools?
Loan Simulator focuses on one narrow job so the page stays fast and easier to trust. If your workflow continues after this step, Loan Calculator is the kind of related tool you would use next.
What is an amortization table?
An amortization table shows the breakdown of each monthly payment into principal (amortization) and interest, along with the remaining balance after each payment.
Which system has lower total interest?
SAC generally results in lower total interest paid because the principal is repaid faster, reducing the balance on which interest is calculated.
What is the difference between SAC and Price amortization tables?
In the SAC system, installments decrease over time because amortization is constant, while in the Price system (French), installments remain fixed throughout the loan. SAC typically results in less total interest paid.