Loan Simulator
Simulate real estate loans with Price or SAC tables. See installments, interest and total cost. 100% free.
No sign-up
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100% free
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Private
R$
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Months
Installment 1
Total Paid
Total Interest
| # | Installment | Amortization | Interest | Balance |
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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 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.