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Free loan calculator

Pay off your 30-year loan in a fraction of the time

See exactly how much you save by paying a little extra each month. Simulate the real impact of early amortization on your SAC or PRICE loan.

Everything you need to understand your loan

From calculation to real-time tracking — no spreadsheets, no surprises.

∑

SAC & PRICE schedules

Generate a full amortization table for any loan, with or without monetary indexation (TR, IPCA).

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Extra payment simulation

Compare 3 scenarios side-by-side: baseline, reduce term, or reduce installment with extra payments.

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Custom payment schedule

Set different extra amounts and strategies for each period of your loan, month by month.

✓

Balance checkpoint

Override the calculated balance with your real bank statement and keep projections accurate.

Pro
⊞

Multiple loans

Monitor all your loans in one dashboard with a consolidated total balance view.

Pro
∞

Unlimited simulations

Simulate whenever you want, with no monthly cap. Free tier: 1 simulation per month.

How it works

Three steps to take control of your loan.

1

Calculate

Use the free calculator to see your full amortization schedule and the impact of paying a little extra each month.

2

Simulate strategies

Compare scenarios: reduce your term, reduce your installment, or build a custom schedule period by period.

3

Track for real

Enter your real bank-statement balance and see the drift between the projected and the actual balance every month.

Try it free

Simulate your loan now, no account needed

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Simple, transparent pricing

Start for free. Upgrade when you're ready.

Free

$0/ forever

Try the product at no cost

  • ✓Public calculator (no login)
  • ✓Full SAC & PRICE schedule
  • ✓Custom payment schedule
  • ✓Balance checkpoint
  • ✓1 loan tracked
  • ✓1 simulation per month
Get started free
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Wertly Pro

R$15/ month
  • ✓Public calculator (no login)
  • ✓Full SAC & PRICE schedule
  • ✓Custom payment schedule
  • ✓Balance checkpoint
  • ✓Unlimited loans
  • ✓Unlimited simulations
Get started