Calculadora de Pagamento Extra
Calcule quanto você economiza fazendo pagamentos extras na hipoteca.
Months Saved
113
Months Saved vs Loan Term
Formula
## Impact of Extra Mortgage Payments Extra payments applied to principal reduce the balance faster, saving interest and shortening the loan term. ### New Payoff Formula **New Months = log(PMT / (PMT - P x r)) / log(1 + r)** Where PMT is the total monthly payment (base + extra), P is the loan balance, and r is the monthly rate. ### Why Extra Payments Are So Effective - Early in a mortgage, most of each payment goes to interest - Extra principal reduces the balance that accrues interest - The effect compounds: less interest means more of future payments go to principal - Even small extra amounts make a significant difference over decades ### Strategies - Round up to the nearest hundred - Apply annual bonuses or tax refunds - Match extra payments to raises or eliminated expenses
Exemplo Resolvido
A $300,000 loan at 7% for 30 years with an extra $300/month.
- 01Base payment: $1,995.91
- 02Total payment with extra: $1,995.91 + $300 = $2,295.91
- 03Original payoff: 360 months (30 years)
- 04New payoff: approximately 263 months (about 22 years)
- 05Months saved: 360 - 263 = 97 months (about 8 years)
- 06Original total interest: $418,528
- 07New total interest: approximately $303,726
- 08Interest saved: approximately $114,802
Perguntas Frequentes
Should I make extra payments or invest the money?
Compare your after-tax mortgage rate to expected investment returns. If your mortgage is 7% and investments earn 10%, investing wins mathematically. However, the guaranteed return of paying down debt has value. Many people do a mix of both for diversification.
Do I need to tell my lender about extra payments?
Specify that extra payments should be applied to principal, not held for future payments. Most lenders have a line on the payment stub for additional principal. With autopay, you may need to call or log in to set this up correctly.
Is there a penalty for making extra mortgage payments?
Most conventional, FHA, and VA mortgages have no prepayment penalty. Some older loans or commercial mortgages may have penalties for the first 3-5 years. Check your loan documents or ask your servicer before making large extra payments.