SAC — Parcela k
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
SAC k
About this calculator
The SAC k Loan Amortization Calculator is a practical tool for calculating the value of a specific payment of a loan or investment with compounded interest. The formula behind this calculator is based on the equation: PMT_k = A + r·(PV − (k−1)·A), where A is the monthly payment, r is the monthly interest rate, PV is the present value of the loan or investment and k is the specified payment.
This calculator is useful for individuals who want to know how their loan or investment payments are amortized over time. It is also a valuable tool for financial professionals who need to calculate payment values for their clients.
Remember to use this calculator with care, especially when dealing with significant values. Make sure you understand the formula and involved parameters before performing calculations. Also, consider common precautions when working with finances, such as regularly updating interest rates and investment values.
Frequently asked questions
What is the monthly interest rate?
The monthly interest rate is the interest rate applied to the loan or investment over a period of one month. It is often expressed as an annual percentage and divided by 12 to obtain the monthly rate.
How do I calculate the present value of the loan or investment?
The present value of the loan or investment (PV) is the current value of the loan or investment, before any payments or investments are made. It can be calculated using the present value formula, but is usually provided as a known value.
What is the payment k?
The payment k is the specific payment of the loan or investment that you want to calculate. It is represented by the number k in the formula PMT_k = A + r·(PV − (k−1)·A).
Why is it important to understand the formula of the calculator?
It is important to understand the formula of the calculator because it is based on a complex mathematical equation. If you do not understand the involved parameters, you may get incorrect results or not understand the results obtained.
Where can I obtain values for the interest rate and present value?
Values for the interest rate and present value can be obtained from various sources, including banks, financial institutions, investments, as well as online calculators and financing tools.