Calculadora de Empréstimo com Balão
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
PMT = (P − VF/(1+r)^n)·r·(1+r)^n / ((1+r)^n − 1)
About this calculator
The Balloon Loan Calculator helps plan financing where a large payment (balloon) is due at the end of the contract, allowing smaller monthly payments during the term. Unlike a traditional loan, the principal is not fully amortized over time; part of it remains for the end. This is common in vehicle, equipment, or real estate financing, where the asset can be sold to pay off the balloon.
It works based on the present value and installment formula: first, the present value of the balloon (VF) is discounted by the interest rate and number of installments. This value is subtracted from the total loan amount (P), resulting in the amount to be amortized by monthly payments. Then, the PMT formula is applied to calculate the fixed installment amount, considering the interest rate (r) and number of installments (n). The result shows each monthly payment and the final balloon amount.
Use this calculator when analyzing credit proposals with balloon payments, such as consortia, leasing, or deferred down payment financing. It is useful for comparing different scenarios: change the balloon amount, interest rate, or term to see how monthly payments adjust. For example, when financing a car, you can set a balloon equal to the estimated residual value of the vehicle after 3 years, reducing monthly payments.
Important precautions: ensure the interest rate entered is the effective monthly rate (not annual). Remember that the final balloon is a large commitment; without planning to pay it, it may lead to default. Additionally, some contracts impose penalties or additional interest for late payments. Always read the contract terms and consider the total cost of the loan, including administrative fees and insurance.
Frequently asked questions
Can I pay the balloon before maturity?
Yes, some contracts allow early payment of the balloon, often with a discount on future interest. Check the conditions with the financial institution.
What happens if I don't pay the balloon at the end?
You may become delinquent, with penalties, late fees, and credit score damage. In some cases, the financed asset may be repossessed.
What is the difference between a balloon and a down payment?
A down payment is made at the start, reducing the loan amount. A balloon is paid at the end, keeping monthly payments lower during the term.
How do I choose the ideal balloon amount?
Consider the expected resale value of the asset at the end of the term. A very high balloon may be hard to pay; too low increases monthly payments.
Does this calculator consider administrative fees?
No, it only considers principal, balloon, interest rate, and term. For a true total cost, add additional fees manually.