Calculadora de Acúmulo de Patrimônio — Formula

How Equity Builds Over Time

Equity in real estate grows from two main sources: mortgage principal paydown and property appreciation.

Formula

Future Equity = Future Property Value - Future Loan Balance

  • Future Property Value = Current Value x (1 + Appreciation Rate)^Years
  • Future Loan Balance = Current Balance - Total Principal Payments

    • Sources of Equity

    1. Initial equity from your down payment 2. Paydown equity from each mortgage payment that reduces the principal 3. Appreciation equity from market value increases

    Exemplo Resolvido

    A $400,000 property with a $320,000 loan balance, $500/month principal paydown, 3% appreciation, held for 5 years.

    1. Current equity: $400,000 - $320,000 = $80,000
    2. Future property value: $400,000 x (1.03)^5 = $463,710
    3. Total principal paydown: $500 x 60 = $30,000
    4. Future loan balance: $320,000 - $30,000 = $290,000
    5. Projected equity: $463,710 - $290,000 = $173,710
    6. Equity from appreciation: $463,710 - $400,000 = $63,710