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Calculadora de Hipoteca - Calcule Suas Parcelas

Use nossa calculadora de hipoteca para estimar seus pagamentos mensais e cronograma de amortização.

Adjust the numbers below — results update instantly
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Pagamento mensal da hipoteca: R$ 2.023,67
 MonthlyTotal
Pagamento da hipotecaR$ 2.023,67R$ 728.521,20
Imposto sobre a propriedadeR$ 400,00R$ 144.000,00
Seguro residencialR$ 125,00R$ 45.000,00
Outros custosR$ 333,33R$ 120.000,00
Custo total do bolsoR$ 2.882,00R$ 1.037.521,20
Preço da casaR$ 400.000,00
Valor do empréstimoR$ 320.000,00
EntradaR$ 80.000,00
Total de pagamentos da hipoteca de 360R$ 728.521,20
Total de jurosR$ 408.521,24
Data de quitação da hipotecaJul 2055
AnoJurosPrincipalSaldo Final
1R$ 20.711R$ 3.573R$ 316.427
2R$ 20.471R$ 3.813R$ 312.614
3R$ 20.216R$ 4.068R$ 308.545
4R$ 19.943R$ 4.341R$ 304.204
5R$ 19.652R$ 4.632R$ 299.572
6R$ 19.342R$ 4.943R$ 294.630
7R$ 19.010R$ 5.274R$ 289.356
8R$ 18.657R$ 5.627R$ 283.729
9R$ 18.280R$ 6.004R$ 277.724
10R$ 17.877R$ 6.407R$ 271.318
11R$ 17.448R$ 6.836R$ 264.481
12R$ 16.990R$ 7.294R$ 257.187
13R$ 16.501R$ 7.783R$ 249.404
14R$ 15.979R$ 8.305R$ 241.098
15R$ 15.422R$ 8.862R$ 232.237
16R$ 14.828R$ 9.456R$ 222.781
17R$ 14.195R$ 10.089R$ 212.692
18R$ 13.518R$ 10.766R$ 201.926
19R$ 12.797R$ 11.487R$ 190.439
20R$ 12.027R$ 12.257R$ 178.182
21R$ 11.205R$ 13.079R$ 165.103
22R$ 10.329R$ 13.955R$ 151.148
23R$ 9.393R$ 14.891R$ 136.257
24R$ 8.395R$ 15.889R$ 120.368
25R$ 7.330R$ 16.954R$ 103.415
26R$ 6.194R$ 18.090R$ 85.325
27R$ 4.982R$ 19.302R$ 66.022
28R$ 3.688R$ 20.596R$ 45.426
29R$ 2.307R$ 21.977R$ 23.450
30R$ 834R$ 23.450R$ 0

aria.chart.lineChartSummary

What Is a Mortgage Calculator?

A mortgage calculator helps you estimate your monthly mortgage payment, total interest paid, and remaining balance over time. It’s a powerful tool for homebuyers and homeowners to evaluate loan options and affordability.

Why Use a Mortgage Calculator?

  • Understand your monthly payment breakdown
  • Compare fixed vs. adjustable-rate loans
  • Factor in taxes, insurance, and HOA fees
  • Plan for early payoff or refinancing scenarios

How Does a Mortgage Work?

A mortgage is a type of loan used to purchase a home. You borrow a lump sum and repay it over time — typically 15 or 30 years. Each monthly payment includes:

  • Principal: The amount borrowed
  • Interest: The cost of borrowing
  • Taxes & Insurance: Optional, but often escrowed

How Is Your Mortgage Payment Calculated?

  • Loan amount (home price - down payment)
  • Interest rate
  • Loan term (e.g., 15 or 30 years)
  • Property tax and insurance (optional)
  • Private mortgage insurance (PMI), if applicable

Types of Mortgage Loans

  • Fixed-rate: Same interest rate throughout the loan
  • Adjustable-rate (ARM): Interest rate may change over time
  • FHA / VA: Government-backed for specific eligibility
  • Interest-only: Pay only interest for an initial period

Mortgage Calculator Pros and Cons

ProsCons
Easy to use and freeDoesn’t include all lender-specific fees
Helps compare multiple loansEstimates only — not a quote
Visual charts aid planningPMI/tax estimates may vary

Alternatives to Traditional Mortgages

  • Cash-out refinance: Tap home equity for cash
  • Home equity loan: Fixed loan using equity
  • HELOC: Revolving line of credit backed by your home

Frequently Asked Questions

How much mortgage can I afford?

Use our affordability calculator to estimate how much house you can buy based on your income and expenses.

Is a 15-year mortgage better than 30-year?

A 15-year mortgage saves on interest but has higher monthly payments. It depends on your budget.

Can I pay off my mortgage early?

Yes, though some lenders may charge a prepayment penalty — check your loan terms.

What is PMI and when do I need it?

Private Mortgage Insurance (PMI) is required if your down payment is under 20%.

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