Loan Simulator (SAC vs PRICE)
Compare the two main loan amortization systems used in Brazil — SAC and PRICE — to see which pays less interest. Enter the asset value, down payment, annual rate and term.
Responsible use
How to verify the result
A useful tool should let you verify its output. Start with a small test, keep the original and only then use the result in production. The scenario below helps catch problems before you copy, download or share anything.
Practical check
Compare both systems with the same amount, rate and term; inspect amortization, interest, first payment and total cost.
What this tool does not replace
This is an educational estimate based on your inputs. It does not automatically include every contract rule, tax, fee or legal change; confirm financial decisions with official documents and sources.
Data handling
Primary content is processed in your browser and is not sent to the UseHubTools server. Local data may remain in browser storage until you clear it.
Content reviewed on August 11, 2026.
SAC vs PRICE: the difference
In SAC, amortization is constant and installments start higher and decrease over time — usually less total interest. In PRICE, installments are fixed from start to finish, easier to plan but usually more interest.
Which to choose
If you can handle higher early installments, SAC tends to be cheaper. If you prefer a fixed installment, PRICE may fit better. The simulator shows SAC's estimated savings.
How to use
Enter the asset value, the down payment, the annual interest rate and the term in months. The simulator computes the installments under both SAC and PRICE side by side, showing first and last installment, total interest, total cost and the full schedule with the month-by-month balance.
Frequently asked questions
Annual or monthly rate?
Enter the annual rate; we convert it to monthly automatically.
Does it include insurance/fees?
No. It covers interest and amortization; insurance/fees vary by bank.
Can I see each installment?
Yes, the full schedule appears for both SAC and PRICE.
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