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Compare two mortgage amortization systems: constant installment (Price/annuity) vs decreasing installment (SAC).

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Loan Amount ($)

Annual Interest Rate (%)

Term (months)

System

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Result

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⚠️ Results for informational purposes only. Consult a professional for financial decisions.

About this calculator

The annuity (constant payment / Price) system keeps monthly payments equal throughout the term. The SAC (constant amortization) system has higher early payments that decrease over time, but pays significantly less total interest. SAC is commonly used in Brazil; the US standard is the annuity system.

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