Price table: calculate installments and interest
Enter the amount, the rate and the number of installments to see the fixed installment and the full table of interest, amortization and balance.
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Installment (fixed)
R$8,884.88
- Total interest
- R$6,618.55
- Total paid
- R$106,618.55
Your result in words
Financing R$100,000.00 over 12 months at 1% per month, the fixed installment is R$8,884.88. In the end you pay R$106,618.55, of which R$6,618.55 is interest.
Growth chart
| Amortization | Interest | |
|---|---|---|
| 1 | R$7,884.88 | R$1,000.00 |
| 2 | R$7,963.73 | R$921.15 |
| 3 | R$8,043.36 | R$841.51 |
| 4 | R$8,123.80 | R$761.08 |
| 5 | R$8,205.04 | R$679.84 |
| 6 | R$8,287.09 | R$597.79 |
| 7 | R$8,369.96 | R$514.92 |
| 8 | R$8,453.66 | R$431.22 |
| 9 | R$8,538.19 | R$346.68 |
| 10 | R$8,623.58 | R$261.30 |
| 11 | R$8,709.81 | R$175.07 |
| 12 | R$8,796.91 | R$87.97 |
Detailed breakdown
| Installment | Amount | Interest | Amortization | Outstanding balance |
|---|---|---|---|---|
| 1 | R$8,884.88 | R$1,000.00 | R$7,884.88 | R$92,115.12 |
| 2 | R$8,884.88 | R$921.15 | R$7,963.73 | R$84,151.39 |
| 3 | R$8,884.88 | R$841.51 | R$8,043.36 | R$76,108.03 |
| 4 | R$8,884.88 | R$761.08 | R$8,123.80 | R$67,984.23 |
| 5 | R$8,884.88 | R$679.84 | R$8,205.04 | R$59,779.19 |
| 6 | R$8,884.88 | R$597.79 | R$8,287.09 | R$51,492.11 |
| 7 | R$8,884.88 | R$514.92 | R$8,369.96 | R$43,122.15 |
| 8 | R$8,884.88 | R$431.22 | R$8,453.66 | R$34,668.49 |
| 9 | R$8,884.88 | R$346.68 | R$8,538.19 | R$26,130.30 |
| 10 | R$8,884.88 | R$261.30 | R$8,623.58 | R$17,506.72 |
| 11 | R$8,884.88 | R$175.07 | R$8,709.81 | R$8,796.91 |
| 12 | R$8,884.88 | R$87.97 | R$8,796.91 | R$0.00 |
Informational estimate, without fees or inflation. Check taxes and charges for your case; the real result may differ.
How it works
What is the Price table
It is an amortization system where all installments have the same amount. At first, most of the installment is interest and the debt drops slowly; at the end, almost everything is amortization.
Price or SAC?
Price has a lower first installment, but costs more interest in total. Compare with the SAC table before choosing.
Formula
How to calculate the installment
PMT is the fixed installment, P the financed amount, i the monthly rate and n the number of installments. In month k, the interest J is the rate times the previous month balance S, and the rest of the installment pays down the debt (A).
Example
With round numbers, so you can check the math:
Financing R$100,000.00 over 12 months at 1% per month, the fixed installment is R$8,884.88. In the end you pay R$106,618.55, of which R$6,618.55 is interest.
Frequently asked questions
Why is the installment fixed if the interest changes?
The interest of each month is calculated on that month's outstanding balance. As the balance drops with each installment, interest falls and amortization rises, even though the installment stays the same.
Can I pay less interest by paying installments early?
Yes. Paying down the balance early reduces the interest of the following months. Ask the bank for the proportional interest discount.
Does the table include insurance and fees?
No. The calculator only considers the amount financed, the rate and the term. Insurance, fees and TR (reference rate) adjustment can raise the real installment.
Math checked by the JuntaTudo team · updated on Nov 12, 2026
