Master Amortization Comparator

Discover which structural financing model saves you the most over 30 years. Side-by-side breakdown of the SAC, Price, SAM, and SACRE systems.

Inputs

The Math Behind It

Compiles chronological O(N) loops extracting Compound Base (Price), Amortization Focus (SAC), Dual-Average Means (SAM) and Periodic Stepping (SACRE).

Under the internationally recognized 'Price' table (French), initial heavy interest makes the principal decay slow but flat. 'SAC' pays a massive flat cut of principal, making interest (and payments) fall rapidly. 'SAM' is an arithmetic hybrid. 'SACRE' steps down your payment bracket once a year instead of every single month.

Example

Borrowing $300k long-term on Price might inflate the payback curve to over $800k total. Shifting to SAC enforces steeper upfront installments, but violently curtails compound degradation, saving nearly $240k over the lifespan.

Official Sources & Validity

Calculations verified against current legislation.

Central Bank of Brazil (BACEN)
CMN Resolutions
Applied Financial Mathematics
Valid for: Global Standard

Frequently Asked Questions

Sistema de Amortização Crescente (SACRE) acts like a step-down staircase. Instead of lowering your bill by micro-decimals every month (like SAC), it freezes your installment for a 12-month sequence, recalculating a huge drop exclusively on the contract's yearly anniversary.

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