{"id":52,"date":"2026-10-03T12:03:09","date_gmt":"2026-10-03T11:03:09","guid":{"rendered":"https:\/\/wpcalc.com\/pt\/amortizacao\/"},"modified":"2026-10-03T12:03:09","modified_gmt":"2026-10-03T11:03:09","slug":"amortizacao","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pt\/financas\/amortizacao\/","title":{"rendered":"Calculadora de Amortiza\u00e7\u00e3o"},"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\">Calcule a presta\u00e7\u00e3o mensal do seu empr\u00e9stimo<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"52\" data-favorite-title=\"Amortiza\u00e7\u00e3o\" data-favorite-url=\"https:\/\/wpcalc.com\/pt\/financas\/amortizacao\/\" data-favorite-excerpt=\"Calcule a presta\u00e7\u00e3o mensal de qualquer empr\u00e9stimo amortiz\u00e1vel \u2014 cr\u00e9dito habita\u00e7\u00e3o, autom\u00f3vel ou pessoal. Introduza o montante do empr\u00e9stimo, a taxa de juro anual e o prazo em anos para ver a sua presta\u00e7\u00e3o fixa e os juros que ela inclui.\" aria-label=\"Adicionar aos favoritos\" data-favorite-icon=\"icon icon-loan\">\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\/amortizacao\/\" method=\"POST\" class=\"calculator\" id=\"calculator-52\" data-post=\"52\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">Valor do empr\u00e9stimo<\/label><div class=\"term\">P<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"valor_do_emprstimo\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"250000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Insira o valor total do empr\u00e9stimo<\/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\" max=\"100\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Insira a taxa de juros anual<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Prazo do empr\u00e9stimo<\/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\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"50\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-3\">anos<\/div><small id=\"calc-info-3\">Insira o prazo do empr\u00e9stimo em anos<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalcular\" id=\"calculate-button\" data-post=\"52\">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><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=\"52\" 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 de amortiza\u00e7\u00e3o<\/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\\[ A = P \\times \\frac{r(1+r)^n}{(1+r)^n - 1} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Onde:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 capital do empr\u00e9stimo, o montante inicial emprestado<\/li>\n<li>\\(r\\) \u2014 taxa de juro mensal (taxa anual dividida por 12)<\/li>\n<li>\\(n\\) \u2014 n\u00famero total de presta\u00e7\u00f5es mensais (prazo do empr\u00e9stimo em meses)<\/li>\n<li>\\(A\\) \u2014 presta\u00e7\u00e3o mensal fixa<\/li>\n<\/ul>\n<p>A f\u00f3rmula desconta cada pagamento futuro ao valor presente \u00e0 taxa mensal e resolve a presta\u00e7\u00e3o \u00fanica \\(A\\) cujo valor presente \u00e9 igual ao montante do empr\u00e9stimo. Se a taxa de juro for zero, a presta\u00e7\u00e3o \u00e9 simplesmente \\(A = P \/ n\\).<\/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>Amortiza\u00e7\u00e3o \u2013 Exemplo de c\u00e1lculo<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Exemplo:<\/strong> contrai um empr\u00e9stimo de $250 000 a uma taxa de juro anual de 5% com um prazo de 30 anos.<\/p>\n<p>\\[ r = \\frac{5\\%}{12} = 0.004167 \\quad n = 30 \\times 12 = 360 \\]<\/p>\n<p>\\[ A = 250{,}000 \\times \\frac{0.004167 \\times (1.004167)^{360}}{(1.004167)^{360} - 1} \\approx 1{,}342.05 \\]<\/p>\n<p><strong>Resultado:<\/strong> a presta\u00e7\u00e3o mensal \u00e9 de <strong>$1 342,05<\/strong>. Ao longo de 360 presta\u00e7\u00f5es, reembolsaria $483 138 no total, dos quais $233 138 s\u00e3o juros.<\/p>\n<p>\n\r\n<\/section>\n<h2>Como usar a calculadora de amortiza\u00e7\u00e3o<\/h2>\n<ol>\n<li>Introduza o <strong>Montante do empr\u00e9stimo<\/strong> \u2014 o capital total que est\u00e1 a pedir emprestado, em d\u00f3lares.<\/li>\n<li>Introduza a <strong>Taxa de juro anual<\/strong> em percentagem (por exemplo, 5 para 5%, e n\u00e3o 0,05).<\/li>\n<li>Introduza o <strong>Prazo do empr\u00e9stimo<\/strong> em anos. Para um cr\u00e9dito habita\u00e7\u00e3o de 30 anos, escreva 30.<\/li>\n<li>Leia o resultado da <strong>Presta\u00e7\u00e3o mensal<\/strong> \u2014 esta \u00e9 a presta\u00e7\u00e3o fixa que reembolsa integralmente o empr\u00e9stimo at\u00e9 ao final do prazo.<\/li>\n<\/ol>\n<h2>O que \u00e9 a amortiza\u00e7\u00e3o?<\/h2>\n<p>A amortiza\u00e7\u00e3o \u00e9 o processo de pagamento de um empr\u00e9stimo atrav\u00e9s de presta\u00e7\u00f5es regulares e iguais durante um per\u00edodo definido. Cada presta\u00e7\u00e3o divide-se entre juros e capital, mas essa divis\u00e3o muda ao longo do tempo. No in\u00edcio do empr\u00e9stimo, quando o saldo em d\u00edvida \u00e9 maior, a maior parte da presta\u00e7\u00e3o cobre juros. \u00c0 medida que o saldo diminui, a parcela de juros tamb\u00e9m diminui e uma parte crescente de cada presta\u00e7\u00e3o destina-se ao capital. A \u00faltima presta\u00e7\u00e3o fecha o saldo exatamente a zero.<\/p>\n<p>A calculadora calcula a presta\u00e7\u00e3o fixa que torna isso poss\u00edvel. \u00c9 a estrutura padr\u00e3o por tr\u00e1s da maioria dos cr\u00e9ditos habita\u00e7\u00e3o, cr\u00e9ditos autom\u00f3vel, cr\u00e9ditos para estudantes e empr\u00e9stimos pessoais, raz\u00e3o pela qual a mesma f\u00f3rmula se aplica a todos. Para uma compara\u00e7\u00e3o mais aprofundada dos custos espec\u00edficos do cr\u00e9dito habita\u00e7\u00e3o, consulte a nossa <a href=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-credito-habitacao\/\">Calculadora de Cr\u00e9dito Habita\u00e7\u00e3o<\/a> e a <a href=\"https:\/\/wpcalc.com\/pt\/financas\/tae-hipoteca\/\">Calculadora de TAE de Cr\u00e9dito Habita\u00e7\u00e3o<\/a>.<\/p>\n<p>Interpretar o resultado vai al\u00e9m do valor mensal. Multiplique a presta\u00e7\u00e3o pelo n\u00famero de meses para obter o custo total do empr\u00e9stimo; a diferen\u00e7a entre esse valor e o capital \u00e9 o total de juros. No exemplo acima, um empr\u00e9stimo de $250 000 custa cerca de $233 000 em juros ao longo de 30 anos \u2014 quase tanto como o pr\u00f3prio empr\u00e9stimo. Prazos mais curtos e taxas mais baixas reduzem drasticamente esta verba, pelo que vale a pena comparar cen\u00e1rios antes de assumir o compromisso. A nossa <a href=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-de-emprestimo\/\">Calculadora de Empr\u00e9stimo<\/a> e a <a href=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-credito-automovel\/\">Calculadora de Cr\u00e9dito Autom\u00f3vel<\/a> permitem testar rapidamente diferentes combina\u00e7\u00f5es.<\/p>\n<h2>Pressupostos e limita\u00e7\u00f5es<\/h2>\n<ul>\n<li><strong>Taxa fixa e presta\u00e7\u00e3o fixa.<\/strong> A calculadora assume que a taxa de juro nunca muda e que todas as presta\u00e7\u00f5es s\u00e3o pagas pontualmente. Empr\u00e9stimos com taxa vari\u00e1vel produzem resultados diferentes quando a taxa \u00e9 revista.<\/li>\n<li><strong>Per\u00edodo s\u00f3 de juros n\u00e3o suportado.<\/strong> Empr\u00e9stimos que come\u00e7am com presta\u00e7\u00f5es apenas de juros ou com presta\u00e7\u00e3o final bal\u00e3o seguem uma estrutura de reembolso diferente.<\/li>\n<li><strong>Exclui comiss\u00f5es, impostos e seguros.<\/strong> O resultado abrange apenas capital e juros. Impostos sobre im\u00f3veis, seguro de habita\u00e7\u00e3o, PMI e custos de escritura s\u00e3o adicionais \u2014 para uma vis\u00e3o completa da compra de uma casa, utilize a <a href=\"https:\/\/wpcalc.com\/pt\/financas\/prestacao-hipoteca\/\">Calculadora de Presta\u00e7\u00e3o de Cr\u00e9dito Habita\u00e7\u00e3o<\/a>.<\/li>\n<li><strong>N\u00e3o simula presta\u00e7\u00f5es extraordin\u00e1rias.<\/strong> Pagar mais do que a presta\u00e7\u00e3o prevista reduz os juros totais e encurta o empr\u00e9stimo; esta calculadora mostra apenas o plano de reembolso base.<\/li>\n<\/ul>\n<h2>Dicas pr\u00e1ticas<\/h2>\n<ul>\n<li>Uma \u00fanica presta\u00e7\u00e3o extraordin\u00e1ria por ano num cr\u00e9dito habita\u00e7\u00e3o de 30 anos pode cortar v\u00e1rios anos do prazo e poupar dezenas de milhares em juros.<\/li>\n<li>Um prazo de 15 anos normalmente tem uma taxa mais baixa do que um prazo de 30 anos, e muito menos juros totais \u2014 ao custo de uma presta\u00e7\u00e3o mensal mais elevada.<\/li>\n<li>Ao comparar institui\u00e7\u00f5es de cr\u00e9dito, use o mesmo prazo e o mesmo tipo de taxa (fixa vs. vari\u00e1vel) para que as presta\u00e7\u00f5es mensais sejam diretamente compar\u00e1veis.<\/li>\n<li>Verifique se o seu empr\u00e9stimo inclui uma penaliza\u00e7\u00e3o por amortiza\u00e7\u00e3o antecipada antes de fazer presta\u00e7\u00f5es extraordin\u00e1rias; a nossa <a href=\"https:\/\/wpcalc.com\/pt\/financas\/penalizacao-reembolso-antecipado\/\">Calculadora de Penaliza\u00e7\u00e3o por Amortiza\u00e7\u00e3o Antecipada<\/a> ajuda-o a ponderar esse custo.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Calcule a presta\u00e7\u00e3o mensal de qualquer empr\u00e9stimo amortiz\u00e1vel \u2014 cr\u00e9dito habita\u00e7\u00e3o, autom\u00f3vel ou pessoal. Introduza o montante do empr\u00e9stimo, a taxa de juro anual e o prazo em anos para ver a sua presta\u00e7\u00e3o fixa e os juros que ela inclui.<\/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":[57],"class_list":["post-52","post","type-post","status-publish","format-standard","hentry","category-financas","tag-hipotecas"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/52","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=52"}],"version-history":[{"count":2,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/52\/revisions"}],"predecessor-version":[{"id":2637,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/52\/revisions\/2637"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/media?parent=52"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/categories?post=52"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/tags?post=52"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}