Calculadora de Pagamento Antecipado de Hipoteca
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
economia = (PMT_original − PMT_novo) × prazo
About this calculator
This calculator simulates the effect of a single extra payment on your mortgage. By entering the outstanding balance, annual interest rate, remaining term in months, and the extra payment amount, it calculates the new balance and new monthly payment (PMT) based on the original term. Total savings are obtained by the difference between the original and new payment multiplied by the number of remaining months. This shows how much you can save in interest by reducing the principal early.
The calculation uses the Price amortization system (fixed installments). First, the original payment is calculated based on the balance, rate, and term. The extra payment is subtracted from the balance, creating a new balance. With the same remaining term, the new payment is calculated. Savings are the difference in payments multiplied by the term. Important: the calculator assumes the extra payment goes entirely toward principal, without fees or penalties.
Use this tool when considering making an extra payment on your mortgage, whether with bonus money, inheritance, or savings. It helps decide if prepayment is worthwhile by comparing the financial gain with other uses of the money. For example, if you have an extra $10,000 and a 5% APR mortgage, the calculator shows the reduction in payments and total interest savings over time.
Caution: the calculator assumes no prepayment penalty and a constant interest rate. Check your contract for fees. It also does not account for the time value of money (compound interest on savings). For a more complete analysis, consult a financial advisor. Remember that extra payments reduce the outstanding balance but do not change the contractual term unless you renegotiate.
Frequently asked questions
Does the extra payment reduce the term or the installment amount?
The calculator keeps the original term and recalculates the monthly payment. The extra payment reduces the outstanding balance, resulting in a lower installment over the same period.
Do I have to pay a prepayment penalty?
It depends on the contract. Many banks allow partial prepayment without cost up to an annual limit. Check your agreement with the lender.
Does the calculator consider compound interest on savings?
No. Savings are calculated linearly (difference in payments times term). For a more accurate analysis, consider the present value of future cash flows.
Can I use this for any type of loan?
Yes, as long as it uses the Price system (fixed installments). For SAC or other systems, results may differ.
What is the advantage of making extra payments?
It reduces total interest paid and indirectly shortens the term if you keep the original payment amount, but this calculator focuses on reducing the installment.