{"id":261,"date":"2026-10-03T18:36:38","date_gmt":"2026-10-03T17:36:38","guid":{"rendered":"https:\/\/wpcalc.com\/pt\/consolidacao-de-dividas\/"},"modified":"2026-10-03T18:36:38","modified_gmt":"2026-10-03T17:36:38","slug":"consolidacao-de-dividas","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pt\/financas\/consolidacao-de-dividas\/","title":{"rendered":"Estimador de Parcelas para Consolida\u00e7\u00e3o de D\u00edvidas"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Calcular a Parcela Mensal do Empr\u00e9stimo de Consolida\u00e7\u00e3o de D\u00edvidas<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"261\" data-favorite-title=\"Parcela da Consolida\u00e7\u00e3o de D\u00edvidas\" data-favorite-url=\"https:\/\/wpcalc.com\/pt\/financas\/consolidacao-de-dividas\/\" data-favorite-excerpt=\"Estime a parcela mensal fixa de um empr\u00e9stimo de consolida\u00e7\u00e3o de d\u00edvidas. Insira o total consolidado das d\u00edvidas, a taxa de juros anual e o prazo para ver a parcela mensal, o total a pagar e os juros totais.\" aria-label=\"Adicionar aos favoritos\" data-favorite-icon=\"icon icon-rate-up\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/pt\/financas\/consolidacao-de-dividas\/\" method=\"POST\" class=\"calculator\" id=\"calculator-261\" data-post=\"261\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">D\u00edvida Total Consolidada<\/label><div class=\"term\">D<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"dvida_total_consolidada\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Valor total de todas as d\u00edvidas a serem consolidadas<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Taxa de Juros Anual<\/label><div class=\"term\">r<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"taxa_de_juros_anual\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Taxa de juros do novo empr\u00e9stimo consolidado<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Prazo do Empr\u00e9stimo (Meses)<\/label><div class=\"term\">n<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"prazo_do_emprstimo_meses\" id=\"field-3\" aria-describedby=\"calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"60\"\/><small id=\"calc-info-3\">N\u00famero de meses para pagar o empr\u00e9stimo consolidado<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalcular\" id=\"calculate-button\" data-post=\"261\">Calcular<\/button><button type=\"reset\">Redefinir<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calcular automaticamente<\/label><small>Se ativado, o resultado \u00e9 atualizado automaticamente quando voc\u00ea altera qualquer valor.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Seus resultados<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Pagamento Mensal<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Pagamento Total ao Longo do Prazo do Empr\u00e9stimo<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Total de Juros Pagos<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Copiar link para este c\u00e1lculo<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Deixar um coment\u00e1rio<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"261\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">O que voc\u00ea achou deste resultado?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Curti <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">\u00datil <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Confuso <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Decepcionado <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Impreciso <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>F\u00f3rmula da Parcela Mensal na Consolida\u00e7\u00e3o de D\u00edvidas<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">F\u00f3rmula<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ \\text{Parcela Mensal} = \\frac{D \\times r}{1 - (1 + r)^{-n}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Onde:<\/strong><\/p>\n<ul>\n<li>\\(D\\) \u2014 total consolidado das d\u00edvidas (o saldo combinado de todas as d\u00edvidas que ser\u00e3o unidas no novo empr\u00e9stimo)<\/li>\n<li>\\(r\\) \u2014 taxa de juros mensal (taxa anual \\(\\div\\) 12, expressa em decimal)<\/li>\n<li>\\(n\\) \u2014 n\u00famero total de parcelas mensais (prazo do empr\u00e9stimo em meses)<\/li>\n<\/ul>\n<p>Esta \u00e9 a f\u00f3rmula padr\u00e3o de empr\u00e9stimo com amortiza\u00e7\u00e3o: ela retorna a parcela mensal fixa que quita todo o principal e todos os juros em exatamente \\(n\\) meses. Se a taxa de juros for 0%, a parcela \u00e9 simplesmente \\(D \/ n\\).<\/p>\n<p>O total pago ao longo do prazo \u00e9 \\(\\text{Parcela Mensal} \\times n\\), e os juros totais pagos s\u00e3o o total pago menos a d\u00edvida original \\(D\\).<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Consolida\u00e7\u00e3o de D\u00edvidas \u2013 Exemplo de C\u00e1lculo<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Exemplo:<\/strong> voc\u00ea consolida \\$20{,}000 de saldos de cart\u00f5es de cr\u00e9dito e empr\u00e9stimos em um \u00fanico empr\u00e9stimo a 6% de juros ao ano, a ser pago em 60 meses.<\/p>\n<p>\\[ r = \\frac{6\\%}{12} = 0.005 \\]<\/p>\n<p>\\[ \\text{Parcela Mensal} = \\frac{20{,}000 \\times 0.005}{1 - (1 + 0.005)^{-60}} = \\frac{100}{0.25863} \\approx 386.66 \\]<\/p>\n<p>\\[ \\text{Total Pago} = 386.66 \\times 60 \\approx 23{,}199.60 \\]<\/p>\n<p>\\[ \\text{Juros Totais} = 23{,}199.60 - 20{,}000 \\approx 3{,}199.60 \\]<\/p>\n<p><strong>Resultado:<\/strong> a parcela mensal \u00e9 de aproximadamente \\(\\$386.66\\), o total pago em 5 anos \u00e9 \\(\\$23{,}199.60\\), dos quais \\(\\$3{,}199.60\\) s\u00e3o juros.<\/p>\n<p>\n\r\n<\/section>\n<h2>Como Usar a Calculadora<\/h2>\n<ol>\n<li>Insira o <strong>Total Consolidado das D\u00edvidas<\/strong> \u2014 a soma de todos os saldos que voc\u00ea quer unir no novo empr\u00e9stimo (por exemplo, cart\u00f5es de cr\u00e9dito, empr\u00e9stimos pessoais, contas m\u00e9dicas).<\/li>\n<li>Insira a <strong>Taxa de Juros Anual<\/strong> do novo empr\u00e9stimo consolidado. Use a taxa informada pelo seu credor, n\u00e3o a m\u00e9dia das suas d\u00edvidas antigas.<\/li>\n<li>Insira o <strong>Prazo do Empr\u00e9stimo (Meses)<\/strong> \u2014 quanto tempo voc\u00ea levar\u00e1 para pagar o novo empr\u00e9stimo (36, 48 e 60 meses s\u00e3o prazos comuns).<\/li>\n<li>Leia os resultados: a <strong>Parcela Mensal<\/strong>, o <strong>Total Pago ao Longo do Prazo<\/strong> e os <strong>Juros Totais Pagos<\/strong>.<\/li>\n<\/ol>\n<h2>O Que \u00c9 Consolida\u00e7\u00e3o de D\u00edvidas?<\/h2>\n<p>A consolida\u00e7\u00e3o de d\u00edvidas substitui v\u00e1rias d\u00edvidas separadas \u2014 tipicamente cart\u00f5es de cr\u00e9dito e cart\u00f5es de loja com juros altos, ou empr\u00e9stimos pessoais \u2014 por um \u00fanico empr\u00e9stimo novo. Em vez de administrar m\u00faltiplas datas de vencimento e taxas de juros, voc\u00ea faz um \u00fanico pagamento fixo por m\u00eas, muitas vezes a uma taxa menor e com uma data de quita\u00e7\u00e3o definida.<\/p>\n<p>Esta calculadora computa a parcela usando um plano de amortiza\u00e7\u00e3o completo: a cada m\u00eas, parte do pagamento cobre os juros e o restante reduz o principal. Como o principal diminui todos os meses, a parcela de juros cai ao longo do tempo enquanto o pagamento permanece constante, at\u00e9 o saldo chegar a zero no m\u00eas \\(n\\).<\/p>\n<p>Os tr\u00eas resultados mostram o quadro completo do custo. A parcela mensal indica se o empr\u00e9stimo consolidado cabe no seu or\u00e7amento. O total pago mostra quanto essa praticidade vai custar no geral. Os juros totais s\u00e3o o pre\u00e7o real do empr\u00e9stimo \u2014 e \u00e9 esse o n\u00famero a comparar com os juros combinados que voc\u00ea pagaria nas d\u00edvidas existentes se as deixasse como est\u00e3o.<\/p>\n<p>A consolida\u00e7\u00e3o geralmente vale a pena quando a nova taxa \u00e9 significativamente menor que suas taxas atuais, a parcela mensal \u00e9 acess\u00edvel e voc\u00ea evita criar novos saldos nos cart\u00f5es que acabou de quitar. Estender o prazo pode reduzir a parcela mensal, mas aumentar os juros totais, ent\u00e3o teste v\u00e1rios valores de prazo antes de decidir. Para um c\u00e1lculo relacionado com outra estrutura de empr\u00e9stimo, veja nossa <a href=\"https:\/\/wpcalc.com\/pt\/financas\/prestacao-mensal-emprestimo-montante-unico\/\">calculadora de Parcelas Mensais de Valor \u00danico<\/a>.<\/p>\n<h2>Premissas e Limita\u00e7\u00f5es<\/h2>\n<ul>\n<li><strong>Taxa fixa e parcela fixa.<\/strong> A calculadora assume que a taxa de juros nunca muda. Empr\u00e9stimos com taxa vari\u00e1vel ou taxas promocionais que expiram produzir\u00e3o parcelas diferentes.<\/li>\n<li><strong>Sem taxas.<\/strong> Taxas de abertura de cr\u00e9dito, de transfer\u00eancia de saldo e custos de fechamento n\u00e3o est\u00e3o inclu\u00eddos. Some-as ao valor da d\u00edvida para obter uma estimativa mais realista.<\/li>\n<li><strong>Capitaliza\u00e7\u00e3o mensal.<\/strong> A taxa anual \u00e9 dividida por 12 e aplicada mensalmente, que \u00e9 como a maioria dos empr\u00e9stimos parcelados funciona. Empr\u00e9stimos capitalizados de outra forma v\u00e3o se desviar um pouco.<\/li>\n<li><strong>Pago conforme o cronograma.<\/strong> Pagamentos extras, atrasos ou quita\u00e7\u00e3o antecipada alteram os juros totais. Pagar mais do que o m\u00ednimo encurta o prazo e reduz os juros.<\/li>\n<li><strong>Caso especial de taxa 0%.<\/strong> Se voc\u00ea inserir 0% de juros, a calculadora simplesmente divide a d\u00edvida igualmente pelos meses, ent\u00e3o ela tamb\u00e9m funciona para planos informais de pagamento sem juros.<\/li>\n<\/ul>\n<p>Para avaliar se o seu endividamento geral \u00e9 administr\u00e1vel, combine esta ferramenta com nossas calculadoras de <a href=\"https:\/\/wpcalc.com\/en\/finance\/debt-to-assets-ratio\/\">Rela\u00e7\u00e3o D\u00edvidas\/Ativos<\/a> e <a href=\"https:\/\/wpcalc.com\/pt\/financas\/razao-divida-sobre-patrimonio\/\">Rela\u00e7\u00e3o D\u00edvida\/Capital Pr\u00f3prio<\/a>, ou verifique se sua renda cobre as obriga\u00e7\u00f5es com folga usando a calculadora de <a href=\"https:\/\/wpcalc.com\/pt\/financas\/indice-de-cobertura-de-juros\/\">Cobertura de Juros<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Estime a parcela mensal fixa de um empr\u00e9stimo de consolida\u00e7\u00e3o de d\u00edvidas. Insira o total consolidado das d\u00edvidas, a taxa de juros anual e o prazo para ver a parcela mensal, o total a pagar e os juros totais.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[48],"class_list":["post-261","post","type-post","status-publish","format-standard","hentry","category-financas","tag-juros"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/261","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/comments?post=261"}],"version-history":[{"count":1,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/261\/revisions"}],"predecessor-version":[{"id":1404,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/261\/revisions\/1404"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/media?parent=261"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/categories?post=261"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/tags?post=261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}