Calculadora de Empréstimo

How to use it

1. {'step': 1, 'description': 'Convert annual interest rate to monthly', 'calculation': '6.75% ÷ 12 ÷ 100 = 0.005625'}
2. {'step': 2, 'description': 'Identify number of monthly payments', 'calculation': '36 months'}
3. {'step': 3, 'description': 'Calculate payment using annuity formula', 'calculation': '€15,750 × [0.005625(1.005625)^36] ÷ [(1.005625)^36 - 1] = €484.92'}
4. {'step': 4, 'description': 'Calculate total interest paid', 'calculation': '(€484.92 × 36) - €15,750 = €1,707.12'}

Common mistakes

• ⚠️ Confusing annual interest rate with monthly rate in calculations
• ⚠️ Not considering early repayment penalties that may apply
• ⚠️ Overlooking the total cost of borrowing beyond monthly payments

Worked example

Calculating monthly payment for a €15,750 pessoal loan at 6.75% annual interest over 36 months.

The cuota_mensual of {cuota_mensual} is your fixed monthly loan payment. You will pay {total_intereses} in interest over the life of the loan.

Input guide