Fixed installment for financial planning

Price Table Calculator

Q: What is the Price Table?

The Price Table is the fixed installment amortization system, in which the interest is higher at the beginning and the amortization increases over the course of the contract.

Q: How to use the calculator?

Enter financed amount, monthly rate, and number of installments; click on Calculate installments to get the fixed amount and the schedule.

Q: What is the difference between Price Table and SAC?

Price Table has fixed installments with higher interest at the beginning; SAC has constant amortization, decreasing installments, and less total interest.

Q: Can I consider insurance and administrative fees?

The calculator only considers the financed amount; add insurance and administrative fees to approximate the APR.

Q: How to interpret the outstanding balance in the spreadsheet?

The outstanding balance indicates how much remains to be paid after each installment; it falls slowly at the beginning because interest consumes most of the payment.

Simulate financing with constant installments, view the interest paid monthly, and understand the impact of the term and interest rate on your contract.

Ideal for

• Financing real estate and vehicles with predictable installments.
• Planning personal loans with a focus on cash flow.
• Comparing proposals from banks and credit cooperatives.

Useful integrations

Combine com o SAC Calculator, o Price x SAC Comparator e o Equivalent Rate Converter para avaliar qual sistema gera menos juros ao longo do tempo.

Financed amount*

Monthly interest rate (% per month)*

Number of installments*

How is the Price Table calculated?

The fixed installment is obtained by multiplying the outstanding balance by the interest rate and dividing by the amortization factor. The formula results in a constant payment, where interest and amortization vary each period. In long contracts, the difference in total interest can be significant compared to the SAC system.

Installment = P × i / (1 - (1 + i)^-n)

P = financed amount · i = monthly rate · n = number of installments

In the spreadsheet generated by the calculator, you can check how much of each installment is directed to interest and how much reduces the outstanding balance. This helps to plan prepayments and to assess the impact of renegotiations.

Example with R$ 350 thousand in 240 installments

With a rate of 1.2% per month, the financing of R$ 350,000 generates fixed installments of R$ 4.454,37. In 20 years, the total paid reaches R$ 1.069.048,41 and the interest totals R$ 719.048,41.

Installment	Installment amount	Interest	Amortization	Outstanding balance
1	R$ 4.454,37	R$ 4.200,00	R$ 254,37	R$ 349.745,63
2	R$ 4.454,37	R$ 4.196,95	R$ 257,42	R$ 349.488,21
3	R$ 4.454,37	R$ 4.193,86	R$ 260,51	R$ 349.227,70
4	R$ 4.454,37	R$ 4.190,73	R$ 263,64	R$ 348.964,06
5	R$ 4.454,37	R$ 4.187,57	R$ 266,80	R$ 348.697,27
6	R$ 4.454,37	R$ 4.184,37	R$ 270,00	R$ 348.427,26

*The complete spreadsheet with all 240 installments is available after the personalized calculation.

Price Table x SAC

Price Advantages

• Constant installment facilitates budget control.
• Lower initial installment compared to SAC.
• Ideal for those who do not intend to prepay.

When to opt for SAC

• For those who want to pay less total interest.
• In long-term financing with cash flow at the beginning.
• When there are frequent early amortization plans.

Test the same financing in both systems to identify which one best suits your financial reality. Use the internal links and compare the Price schedule with the SAC.

Frequently asked questions

Click on the topics to see practical guidance.

What is the Price Table?+

It is the French amortization system, in which the installments remain fixed throughout the contract. Although the amount paid each month is the same, the composition changes: the interest is higher at the beginning and the amortization increases over time.

How to use the calculator?+

Enter the financed amount or the current outstanding balance.
Enter the monthly interest rate practiced by the bank.
Define the number of installments of the contract (in months).
Click on Calculate installments to view the fixed amount, the total paid, and the complete spreadsheet.

What is the difference between Price Table and SAC?+

In the Price Table the installments are fixed and the interest is higher at the beginning. In the SAC system, the amortization is constant and the installments start higher and decrease. The SAC generates less total interest, while the Price offers predictability in the budget.

Can I consider insurance and administrative fees?+

The calculator works with the pure value of the financing. To obtain the complete APR, include insurance, administrative fees, and IOF manually in the financed amount or add these charges to the result.

How to interpret the outstanding balance in the spreadsheet?+

The outstanding balance shows how much is still missing to pay after each installment. It decreases slowly at the beginning, as a large part of the installment is intended for the payment of interest, and starts to fall faster in the last installments.