Simulate lump-sum extra amortizations on Brazilian mortgages. Compare interest savings and eliminated months when reducing loan term versus lowering monthly payment.
Current remaining principal balance on bank statement.
Remaining monthly installments to maturity.
Personal cash savings or eligible FGTS balance.
\Delta \text{Saldo} = \text{Saldo Anterior} - \text{Aporte Extra}; \quad n_{\text{novo}} = \left\lceil \frac{\text{Saldo Novo}}{A_{\text{mensal}}} \right\rceil100% of lump-sum amortizations directly reduce principal balance without any penalty fee (Art. 52 § 2 CDC). Reducing loan term eliminates the furthest future installments where compounding interest would have been highest.
Pre-calculated benchmark tables across different budgets, terms, and rate models.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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