Updated October 2, 2026
Loan instalment calculator (Price table)
Use the rate the lender quoted. The result is the instalment and the interest in reais.
Also searched as loan payment calculator Brazil, parcela calculator and Price table loan.
Quick answer
A R$5,000 loan over 12 months at 4% a month has an instalment of R$532.76 and R$1,393.12 of interest. At 6.39% a month, the Central Bank’s August 2026 average for non-payroll personal credit, the instalment rises to R$609.20 and interest to R$2,310.40.
Your result
Instalment
R$22,500.00
- Total interest
- R$400,000.00
- Total paid
- R$405,000.00
- Annual effective rate
- 76,621,786,441.04%
How we got this number
Unsecured personal loans usually cost more than payroll credit: in August 2026 the Central Bank average was 6.39% a month for non-payroll personal credit (series 25464) against 3.79% for private-sector payroll loans (series 25466). The Price maths is the same. After you simulate, take the cash flows into the CET calculator so fees are not invisible.
Formula and rules
PMT = PV × i / [1 − (1+i)^−n]. Total paid = PMT × n. Interest = total − principal.
Examples
R$5,000 over 12 months at 4% a month
The instalment is R$532.76 and interest totals R$1,393.12, about 28% of the amount borrowed. Compare with a payroll-loan margin.
Frequently asked questions
Advertised rate or contract rate?
Contract rate, ideally CET. Ads rarely include fees and insurance.
How do I calculate a loan instalment?
With the Price table: instalment = amount × i ÷ (1 − (1 + i)^−n), where i is the monthly rate and n the number of instalments. For R$5,000 over 12 months at 4% a month, the instalment is R$532.76 and interest totals R$1,393.12.
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Official sources used
Calculations run in your browser. We never ask for CPF, email or bank details, and values are not sent to our servers.
These tools provide educational estimates only. They are not a credit offer, financial advice, or an approval guarantee. Always check your payslip, contract and the current official rules.