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.
Brazil-specific tool. This tool uses Brazilian rules and standards (such as Pix, CPF/CNPJ, INSS/income tax or SAC/PRICE tables).
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.
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.