How is the installment calculated in SAC?
Amortization is calculated by dividing the outstanding balance by the number of installments. The installment amount results from the sum of the amortization with the interest due on the remaining balance. Thus, interest decreases as the balance reduces.
This system is preferred by investors and those who plan extra amortizations, as interest falls rapidly. The calculator shows each detailed installment so you can track the gain month by month.
Installment = (Balance / n) + (Remaining balance × rate)
n = number of installments · rate = monthly interest
Example with R$ 350 thousand in 240 installments
With a rate of 1.2% per month, the first installment is R$ 5.658,33 and the last is R$ 1.475,83. The total paid is R$ 856.100,00, with R$ 506.100,00 in interest.
| Installment | Installment amount | Interest | Amortization | Outstanding balance |
|---|---|---|---|---|
| 1 | R$ 5.658,33 | R$ 4.200,00 | R$ 1.458,33 | R$ 348.541,67 |
| 2 | R$ 5.640,83 | R$ 4.182,50 | R$ 1.458,33 | R$ 347.083,33 |
| 3 | R$ 5.623,33 | R$ 4.165,00 | R$ 1.458,33 | R$ 345.625,00 |
| 4 | R$ 5.605,83 | R$ 4.147,50 | R$ 1.458,33 | R$ 344.166,67 |
| 5 | R$ 5.588,33 | R$ 4.130,00 | R$ 1.458,33 | R$ 342.708,33 |
| 6 | R$ 5.570,83 | R$ 4.112,50 | R$ 1.458,33 | R$ 341.250,00 |
*Calculate the complete simulation to view all 240 installments in detail.
Benefits of SAC
Advantages
- • Lower volume of total interest paid.
- • Outstanding balance reduces rapidly.
- • Facilitates extra amortizations without surprise in installments.
Cautions
- • Higher initial installment requires cash planning.
- • Greater impact on the budget during the first months.
- • May not be ideal when income is very tight.
Analyze your cash flow and long-term goals before deciding. The calculator offers transparency to negotiate better conditions with banks and financial institutions.