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Financing Calculator

The FinancingCalc class provides complete financing simulations using the two Brazilian standard systems:

  • SAC (constant amortization)
  • Price (fixed installments)

SAC (Sistema de Amortização Constante)​

Characteristics:

  • Decreasing installment values
  • Higher first installment
  • Lowest total cost
  • Popular for real estate financing

Example:

const sac = calc.financingSAC(300000, 10.5, 30);
sac.formatted.primeiraParcela;

Price (Tabela Price)​

Characteristics:

  • Fixed installment value
  • More predictable
  • Higher total cost

Example:

const price = calc.financingPrice(300000, 10.5, 30);
price.formatted.prestacaoFixa;

Comparing Systems​

The calculator can automatically compare SAC vs Price:

const result = calc.compareFinancing(300000, 10.5, 30);
result.comparacao.recomendacao;

Down Payment Simulation​

You can simulate different entry (down payment) values:

calc.simulateDownPayment(500000, 100000, 11.5, 30);