Calculadora de Empréstimos e Parcela Mensal (EMI)

Calcule o valor exato da prestação mensal, o custo total de juros e a tabela de amortização para empréstimos pessoais, veículos ou imóveis.

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Equated Monthly Installment (EMI)
USD 525.05
60 monthly installments at 9.5% p.a.
Loan Principal USD 25,000.00
Total Interest Payable USD 6,502.79
Total Repayment (P + I) USD 31,502.79
Upfront Processing Fee USD 250.00
Dados do Financiamento
Amounts are treated in the selected currency; no foreign-exchange conversion is applied.
$ / ₹
Total amount borrowed from the bank or NBFC.
% p.a.
Reducing-balance nominal annual rate (0% zero-interest supported).
months
Total monthly installments (up to 50 years; e.g., 300 months = 25 years).
%
One-time lender processing fee as a percentage of principal.
Prestação Mensal e Amortização
Equated Monthly Installment (EMI)
USD 525.05
60 monthly installments at 9.5% p.a.
Loan Principal
USD 25,000.00
Total Interest Payable
USD 6,502.79
Total Repayment (P + I)
USD 31,502.79
Upfront Processing Fee
USD 250.00

Annual Principal vs. Interest Repayment

Comparison of principal reduction and interest cost per year
Graph 1 • Annual Principal vs. Interest Repayment Comparison of principal reduction and interest cost per year
0 1.6k 3.2k 4.7k 6.3k Yr 1Yr 2Yr 3Yr 4Yr 5
Graph 2 • Latest Period Component Values Values retain their calculator-defined labels and units.
Principal Repaid 5,988 USD Interest Paid 313 USD
Graph 3 • Monthly Payment vs. Interest Rate Shows the scheduled monthly loan payment across rate assumptions, with other inputs held constant.
0 296.9 593.8 7.5%: 500.95 500.9 7.5% 8.5%: 512.91 512.9 8.5% 9.5%: 525.05 525.0 9.5% 10.5%: 537.35 537.4 10.5% 11.5%: 549.82 549.8 11.5%
Summary: Total principal is USD 25,000.00 and total interest is USD 6,502.79.
Summary: For a loan of USD 25,000.00 at 9.5% annual interest over 60 months (5 years), your monthly EMI is USD 525.05. Interest accounts for 20.6% (USD 6,502.79) of the USD 31,502.79 total repayment.

Fórmula de Amortização de Prestação Fixa (Tabela Price / EMI)

EMI = P × r × (1 + r)n(1 + r)n − 1where r = Annual Rate12 × 100
EMI = P × r × (1 + r)^n / [ (1 + r)^n − 1 ]

Exemplo Prático: Financiamento de 1.000.000 a 9,5% a.a. por 60 meses

Em um empréstimo de 1.000.000 a 9,5% ao ano por 60 meses, a prestação mensal fixa é de 21.001,86, totalizando 260.111,60 em juros.

Perguntas Frequentes (FAQ)

Como funciona o cálculo com taxa de juros zero (0%)?

Quando a taxa de juros é definida como 0%, a calculadora divide o valor principal exatamente pelo número de meses (P / n).