The loan calculator on Calcular.online builds full amortization schedules for Brazilian and international-style repayment methods. Enter principal, annual interest rate, term in months, optional down payment, insurance, and administrative fees to see installment amount, total paid, total interest, and a balance chart that downsamples long series to five hundred points for smooth rendering.

Compare PRICE (fixed payment) against SAC (declining payment on constant amortization) on a R$ 420,000 mortgage at 11.2% per year over 360 months: PRICE keeps the installment stable while SAC starts higher then falls each month as interest accrues on a shrinking balance. SACRE and MEJS options model alternate indexing rules when you need to mirror specific bank products or teaching examples.

After calculating, review the paginated payment table twenty rows at a time with zebra striping, copy formatted totals, and find inputs restored from localStorage on your next visit. All currency math uses Python Decimal with ten-digit backend precision and locale-aware display strings—never JavaScript floats for money.