Loan calculator: SAC or Price
Enter the amount, the down payment, the term and the interest rate to compare the installment, total interest and final cost of both systems.
Free · no sign-up The values you type stay in your browser: nothing is sent or stored.
SAC
CheaperThe installment starts higher and drops every month.
First installment
R$4,756.10
- Last installment
- R$1,121.24
- Total interest
- R$657,920.22
- Total paid
- R$1,057,920.22
Price
The installment is fixed and starts lower.
First installment
R$3,789.65
- Last installment
- R$3,789.65
- Total interest
- R$964,273.59
- Total paid
- R$1,364,273.59
Your result in words
Financing R$400,000.00 over 360 months at 11.5% per year, the first installment is R$4,756.10 on SAC and R$3,789.65 on Price. SAC costs R$306,353.37 less in total.
Growth chart
R$ 1364k
| Amount financed | Interest | |
|---|---|---|
| SAC | R$400,000.00 | R$657,920.22 |
| Price | R$400,000.00 | R$964,273.59 |
An estimate to compare the systems. It does not include TR (reference rate), insurance on the outstanding balance or origination fees: the bank's offer may differ.
How it works
How a loan works
With a loan you pay a down payment and finance the rest in monthly installments. Each installment has two parts: the amortization, which reduces the debt, and the interest, charged on the outstanding balance. The amortization system defines how these parts change over the term.
What is SAC
In SAC (constant amortization system) the amortization is the same every month. Since interest is charged on a shrinking balance, the installment starts higher and keeps dropping. In total, SAC usually pays less interest. In the formula, P is the financed amount, n the number of installments and i the monthly rate.
What is the Price table
In the Price table the installments are always the same amount. At first, almost everything is interest and the debt drops slowly; at the end, almost everything is amortization. The first installment is lower than SAC, but the total cost is higher. In the formula, P is the financed amount, n the number of installments and i the monthly rate.
Which one to choose
If your income supports a higher first installment, SAC usually costs less. If you need a lower first installment to fit your budget, Price can be the way out. Use the calculator to see the difference in your case.
Example
With round numbers, so you can check the math:
Financing R$400,000.00 over 360 months at 11.5% per year, the first installment is R$4,756.10 on SAC and R$3,789.65 on Price. SAC costs R$306,353.37 less in total.
Frequently asked questions
Which is cheaper, SAC or Price?
With the same rate and term, SAC costs less in total, because the debt drops faster and generates less interest. Price has the lower first installment.
How is the loan installment calculated?
In Price, the fixed installment comes from the PMT formula: balance times rate, divided by 1 minus (1 plus rate) to the power of minus the number of installments. In SAC, the balance is divided by the term and the interest on that month's balance is added.
Does the calculator include insurance and fees?
You can enter the total insurance and fees per month, which is added to each installment. TR, insurance on the outstanding balance and origination fees are not included.
How do I convert a monthly rate to a yearly one?
Raise 1 plus the monthly rate to the power of 12 and subtract 1. For example, 1% per month is about 12.68% per year.
Is my data saved?
No. The calculation happens in your browser and nothing is sent or stored.
Math checked by the JuntaTudo team · updated on Nov 12, 2026
