Calculadora de Hipoteca
Calcule pagamentos mensais de hipoteca com tabela de amortização
Pagamento Mensal
$1,896.20
Pagamento Total
$682,633.47
Juros Totais
$382,633.47
Principal
43.9%
Juros
56.1%
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Pagamento Mensal
See the monthly commitment before reviewing the full amortization table.
Tabela de Amortização
Switch between a stacked chart and full payment schedule without leaving the workspace.
Juros Totais
56.1% of total payments go to interest.
Calcular
Copy or export the current mortgage summary.
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Como Usar
Insira Seus Valores
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Obtenha Resultados Instantâneos
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Copie ou Salve
Copie os resultados para a área de transferência ou use-os no seu fluxo de trabalho.
Por Que Usar Esta Ferramenta
100% Gratuito
Sem custos ocultos, sem planos premium — todos os recursos são gratuitos.
Sem Instalação
Funciona inteiramente no seu navegador. Nenhum software para baixar ou instalar.
Privado e Seguro
Seus dados nunca saem do seu dispositivo. Nada é enviado a nenhum servidor.
Funciona no Celular
Totalmente responsivo — use no seu celular, tablet ou desktop.
A mortgage is one of the largest financial commitments most people make. Understanding how mortgage payments work helps you choose the right loan and save thousands over its lifetime.
Key Concepts
Amortization
Early payments go mostly toward interest, with the principal portion growing over time. Understanding this schedule helps you see the true cost of your loan.
Down Payment
A larger down payment reduces your loan amount, lowers monthly payments, and may help you avoid private mortgage insurance (PMI), typically required when paying less than 20% down.
Fixed vs. Variable Rate
Fixed-rate mortgages lock in your interest rate for the full term, offering predictability. Variable-rate mortgages may start lower but can fluctuate with the market.
Loan Term
Shorter terms (e.g. 15 years) have higher monthly payments but cost significantly less in total interest compared to longer terms (e.g. 30 years).
Practical Tips
Keep your total housing costs (mortgage, taxes, insurance) below 28% of your gross monthly income.
Compare offers from multiple lenders — even a 0.25% rate difference can save tens of thousands over the life of the loan.
Consider making extra payments toward principal when possible to shorten your loan term and reduce total interest.
Factor in closing costs, property taxes, insurance, and maintenance when budgeting for a home — the mortgage payment is only part of the total cost.
This content is for educational purposes only and does not constitute financial advice. Consult a qualified financial advisor or mortgage professional before making borrowing decisions.