Loan and extra repayments
Interest without extraR$72,165.14
Interest with extraR$29,407.58
Interest savedR$42,757.56
IOF paid upfrontR$0.00
Paid off: 54 months, versus 120
Total paid: R$129,407.58 · without extra: R$172,165.14
| Month | Regular payment | Extra | Interest | Debt without extra | Debt |
|---|---|---|---|---|---|
| 2026-12-11 | R$1,434.71 | R$1,000.00 | R$1,000.00 | R$99,565.29 | R$98,565.29 |
| 2027-01-11 | R$1,434.71 | R$1,000.00 | R$985.65 | R$99,126.23 | R$97,116.23 |
| 2027-02-11 | R$1,434.71 | R$1,000.00 | R$971.16 | R$98,682.79 | R$95,652.69 |
| 2027-03-11 | R$1,434.71 | R$1,000.00 | R$956.53 | R$98,234.91 | R$94,174.50 |
| 2027-04-11 | R$1,434.71 | R$1,000.00 | R$941.75 | R$97,782.54 | R$92,681.54 |
| 2027-05-11 | R$1,434.71 | R$1,000.00 | R$926.82 | R$97,325.66 | R$91,173.65 |
| 2027-06-11 | R$1,434.71 | R$1,000.00 | R$911.74 | R$96,864.21 | R$89,650.67 |
| 2027-07-11 | R$1,434.71 | R$1,000.00 | R$896.51 | R$96,398.14 | R$88,112.47 |
| 2027-08-11 | R$1,434.71 | R$1,000.00 | R$881.12 | R$95,927.41 | R$86,558.89 |
| 2027-09-11 | R$1,434.71 | R$1,000.00 | R$865.59 | R$95,451.98 | R$84,989.76 |
| 2027-10-11 | R$1,434.71 | R$1,000.00 | R$849.90 | R$94,971.79 | R$83,404.95 |
| 2027-11-11 | R$1,434.71 | R$1,000.00 | R$834.05 | R$94,486.80 | R$81,804.29 |
| 2027-12-11 | R$1,434.71 | R$1,000.00 | R$818.04 | R$93,996.95 | R$80,187.63 |
| 2028-01-11 | R$1,434.71 | R$1,000.00 | R$801.88 | R$93,502.21 | R$78,554.79 |
| 2028-02-11 | R$1,434.71 | R$1,000.00 | R$785.55 | R$93,002.53 | R$76,905.63 |
| 2028-03-11 | R$1,434.71 | R$1,000.00 | R$769.06 | R$92,497.84 | R$75,239.98 |
| 2028-04-11 | R$1,434.71 | R$1,000.00 | R$752.40 | R$91,988.11 | R$73,557.67 |
| 2028-05-11 | R$1,434.71 | R$1,000.00 | R$735.58 | R$91,473.28 | R$71,858.54 |
| 2028-06-11 | R$1,434.71 | R$1,000.00 | R$718.59 | R$90,953.31 | R$70,142.41 |
| 2028-07-11 | R$1,434.71 | R$1,000.00 | R$701.42 | R$90,428.13 | R$68,409.13 |
| 2028-08-11 | R$1,434.71 | R$1,000.00 | R$684.09 | R$89,897.70 | R$66,658.51 |
| 2028-09-11 | R$1,434.71 | R$1,000.00 | R$666.59 | R$89,361.97 | R$64,890.38 |
| 2028-10-11 | R$1,434.71 | R$1,000.00 | R$648.90 | R$88,820.88 | R$63,104.58 |
| 2028-11-11 | R$1,434.71 | R$1,000.00 | R$631.05 | R$88,274.38 | R$61,300.91 |
| 2028-12-11 | R$1,434.71 | R$1,000.00 | R$613.01 | R$87,722.41 | R$59,479.21 |
| 2029-01-11 | R$1,434.71 | R$1,000.00 | R$594.79 | R$87,164.93 | R$57,639.30 |
| 2029-02-11 | R$1,434.71 | R$1,000.00 | R$576.39 | R$86,601.87 | R$55,780.98 |
| 2029-03-11 | R$1,434.71 | R$1,000.00 | R$557.81 | R$86,033.18 | R$53,904.08 |
| 2029-04-11 | R$1,434.71 | R$1,000.00 | R$539.04 | R$85,458.80 | R$52,008.41 |
| 2029-05-11 | R$1,434.71 | R$1,000.00 | R$520.08 | R$84,878.68 | R$50,093.79 |
| 2029-06-11 | R$1,434.71 | R$1,000.00 | R$500.94 | R$84,292.76 | R$48,160.01 |
| 2029-07-11 | R$1,434.71 | R$1,000.00 | R$481.60 | R$83,700.97 | R$46,206.91 |
| 2029-08-11 | R$1,434.71 | R$1,000.00 | R$462.07 | R$83,103.27 | R$44,234.26 |
| 2029-09-11 | R$1,434.71 | R$1,000.00 | R$442.34 | R$82,499.60 | R$42,241.90 |
| 2029-10-11 | R$1,434.71 | R$1,000.00 | R$422.42 | R$81,889.88 | R$40,229.61 |
| 2029-11-11 | R$1,434.71 | R$1,000.00 | R$402.30 | R$81,274.07 | R$38,197.19 |
| 2029-12-11 | R$1,434.71 | R$1,000.00 | R$381.97 | R$80,652.10 | R$36,144.46 |
| 2030-01-11 | R$1,434.71 | R$1,000.00 | R$361.44 | R$80,023.92 | R$34,071.19 |
| 2030-02-11 | R$1,434.71 | R$1,000.00 | R$340.71 | R$79,389.44 | R$31,977.19 |
| 2030-03-11 | R$1,434.71 | R$1,000.00 | R$319.77 | R$78,748.63 | R$29,862.26 |
| 2030-04-11 | R$1,434.71 | R$1,000.00 | R$298.62 | R$78,101.41 | R$27,726.17 |
| 2030-05-11 | R$1,434.71 | R$1,000.00 | R$277.26 | R$77,447.71 | R$25,568.72 |
| 2030-06-11 | R$1,434.71 | R$1,000.00 | R$255.69 | R$76,787.48 | R$23,389.70 |
| 2030-07-11 | R$1,434.71 | R$1,000.00 | R$233.90 | R$76,120.64 | R$21,188.89 |
| 2030-08-11 | R$1,434.71 | R$1,000.00 | R$211.89 | R$75,447.14 | R$18,966.07 |
| 2030-09-11 | R$1,434.71 | R$1,000.00 | R$189.66 | R$74,766.90 | R$16,721.02 |
| 2030-10-11 | R$1,434.71 | R$1,000.00 | R$167.21 | R$74,079.86 | R$14,453.52 |
| 2030-11-11 | R$1,434.71 | R$1,000.00 | R$144.54 | R$73,385.95 | R$12,163.34 |
| 2030-12-11 | R$1,434.71 | R$1,000.00 | R$121.63 | R$72,685.10 | R$9,850.27 |
| 2031-01-11 | R$1,434.71 | R$1,000.00 | R$98.50 | R$71,977.24 | R$7,514.06 |
| 2031-02-11 | R$1,434.71 | R$1,000.00 | R$75.14 | R$71,262.31 | R$5,154.49 |
| 2031-03-11 | R$1,434.71 | R$1,000.00 | R$51.54 | R$70,540.22 | R$2,771.33 |
| 2031-04-11 | R$1,434.71 | R$1,000.00 | R$27.71 | R$69,810.91 | R$364.33 |
| 2031-05-11 | R$367.97 | R$0.00 | R$3.64 | R$69,074.31 | R$0.00 |
Constant-rate Price/SAC. Extra payments reduce principal after the regular instalment. Optional IOF: 0.38% plus 0.0082% per day on originally scheduled principal repayments, capped at 365 days; paid upfront, not financed, with no assumed early-payment refund. Excludes insurance, fees, indexation, grace periods and special regimes; not an offer APR.
Official IOF rules