Calculadora de Capacidade de Endividamento
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
max_parcela = renda × 30%
About this calculator
The Debt Capacity Calculator helps you find the maximum monthly installment you can afford based on your income, following the recommendation that debts should not exceed 30% of net income. This standard is used by financial institutions and personal finance experts in Brazil. Simply enter your monthly income to get the suggested limit for financing, loans, or installment plans.
The calculation is straightforward: multiply your net income by 0.30 (30%). For example, with an income of R$ 5,000, the recommended maximum installment is R$ 1,500. This value serves as a reference to avoid over-indebtedness, ensuring you have enough left for fixed expenses, leisure, and emergencies. The tool is useful for those planning to buy a home, vehicle, or take out personal credit.
Use this calculator when assessing your ability to pay before taking on new debts. It is especially relevant in the real estate market, where banks analyze income commitment to approve financing. Remember: 30% is a general limit; each institution may have different criteria, and it's important to also consider other fixed expenses.
Cautions: the calculator considers only the income provided, without including existing expenses. If you already have debts, it's ideal to add them to the new installment to avoid exceeding the limit. Also, net income (after deductions) is more realistic than gross income. Consult a professional for deeper analysis.
Frequently asked questions
What does debt capacity mean?
It is the maximum amount you can commit from your monthly income to debts, generally recommended at 30% of net income to maintain financial health.
How do I calculate the maximum installment?
Multiply your monthly net income by 0.30. For example, income of R$ 4,000 results in a maximum installment of R$ 1,200.
Is the 30% rule used by banks?
Yes, many banks consider up to 30% income commitment to approve real estate financing and other credits.
Should I consider gross or net income?
It is best to use net income (after taxes and deductions), as it better reflects the amount available to pay debts.
What if I already have other debts?
Include the existing installment amounts in the calculation. The total debt (old + new) should not exceed 30% of income.