Calculadora de Empréstimo — Ferramenta online grátis
Parcelas mensais, juros totais e amortização
Calcule parcelas mensais, juros totais e tabela de amortização. Calculadora gratuita de empréstimo e financiamento.
📊 Amortization schedule (first & last year)
| Month | Payment | Principal | Interest | Balance |
|---|
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Free loan & mortgage calculator — payment, interest, amortization
Ferramentaolis Loan Calculadora computes fixed-rate loan payments using the standard amortization formula. Works for mortgages, auto loans, student loans, and personal loans. See your monthly payment, total paid over the life of the loan, total interest, and a year-by-year breakdown.
What you get
- Monthly P&I payment — The headline number
- Total paid over loan term — Principal + all interest
- Total interest — How much the loan really costs
- Interest as % of principal — Useful comparison metric
- Amortization schedule — First year + last year, showing how payments shift from mostly-interest to mostly-principal
How to use this tool
- 1
Enter loan amount
Type the total amount you're borrowing (the principal). Works for mortgages, auto loans, personal loans, student loans.
- 2
Set the interest rate
Annual interest rate as a percentage (e.g., 5.5). This calculator uses fixed-rate amortization — the math for standard loans.
- 3
Choose loan term
Length of the loan in years. Common: 30 or 15 for mortgage, 5 for auto, 10 for student.
- 4
Read your monthly payment
The headline number is your monthly payment. Below you'll see total paid over the full term and total interest — often more than the loan itself for long-term loans.
Typical loan types and terms
- 30-year fixed mortgage — Most common in the US. Lower payment, higher total interest.
- 15-year fixed mortgage — Higher payment, ~50% less total interest.
- 5 or 7-year adjustable (ARM) — Fixed rate for initial period, then adjusts. Nãot modeled here (use fixed rate).
- Auto loan — 3–7 years typical. Shorter = less interest, higher payment.
- Student loan — 10 years standard (US federal). Can extend to 20–25 years.
- Personal loan — 2–7 years. Higher interest than secured loans.
How to save on interest
- Shorter term — A 15-year mortgage vs 30-year saves ~50% of total interest
- Lower rate — Every 1% reduction on a 30-year mortgage saves ~10–15% of total cost
- Extra payments — Any amount above minimum goes 100% to principal, accelerating payoff
- Bi-weekly payments — Paying half your monthly payment every 2 weeks = 13 monthly payments/year = 4–6 years off a 30-year mortgage
- Refinance when rates drop — 1% lower rate on a large loan often pays back closing costs within 2 years
Frequently Asked Questions
How is the monthly payment calculated?
P × (r × (1+r)ⁿ) / ((1+r)ⁿ − 1) where P = principal, r = monthly interest rate (annual ÷ 12), n = total months. Each payment includes principal and interest; the split changes over time.Why do I pay so much more interest than principal in early years?
How much does a higher rate cost?
Should I choose a 15-year or 30-year mortgage?
Can I prepay to save on interest?
Does this include taxes and insurance?
Is this saved anywhere?
Pontos-chave
- Loan Calculadora is a free, browser-based finance tool — monthly payments, total interest & amortization.
- Não signup, no downloads, no file uploads — your data stays on your device.
- Works on desktop, tablet, and mobile. Install as a PWA for offline access.
How to Use Loan Calculadora
- Open the tool: Launch Loan Calculadora on Ferramentaolis — no account or download needed.
- Enter your data: Paste text, enter values, or select a file directly in your browser.
- Get instant results: Everything is processed locally — results appear immediately.
- Copy or download: Save your output or share it. Bookmark for quick access next time.
Loan Calculadora — Quick Facts
- Preço
- Grátis — sem limites, sem marca d’água, sem paywall
- Privacidade
- 100% no navegador — nenhum dado é enviado a servidores
- Plataforma
- Qualquer navegador moderno — desktop, tablet ou celular
- Categoria
- Finance Ferramentas on Ferramentaolis
- Offline
- Works offline after first visit (Progressive Web App)
| Recurso | Detalhes |
|---|---|
| Ferramenta | Loan Calculadora |
| Categoria | Finance |
| Cadastro necessário | Não |
| Upload de arquivo | Nenhum — processado no navegador |
| Suporte mobile | Totalmente responsivo |
| Custo | Grátis para sempre |
Why Use Loan Calculadora?
You should try Loan Calculadora for a quick, private way to monthly payments, total interest & amortization. All processing happens in your browser. Your files and data never leave your device. According to web.dev, client-side processing is the gold standard for privacy.
On the other hand, dedicated APIs or desktop tools suit batch processing better. They also handle server-side automation. For everyday tasks, browser tools offer the best speed, privacy, and convenience.