SAC is generally cheaper in total interest because the outstanding balance decreases faster, reducing the base for monthly interest charges.
Loan Amortization Simulator (Brazil)
Compare SAC and PRICE financing systems side by side.
Understand SAC and PRICE: which system is cheaper and why.
In Brazil, housing loans typically use SAC or PRICE amortization. In SAC (Constant Amortization System), the principal is paid equally every month while interest decreases — resulting in higher initial installments that reduce over time. In PRICE (Fixed Installment System), all installments are equal; more interest is paid early and more principal at the end. SAC tends to cost less in total interest. PRICE offers predictable cash flow.
Compare both systems for your financing scenario.
- Select the amortization system you want to simulate (SAC or PRICE).
- Enter the financed amount, term in months, and monthly interest rate.
- See the installment schedule, total interest paid, and the outstanding balance over time.
Sources and references for this tool
These references help contextualize formulas, standards, APIs and limitations used on this page. They do not replace professional validation when a result has legal, financial, medical or operational impact.