Simulador: financiar vs alugar

Analise a evolucao de patrimonio em dois cenarios: comprar com financiamento ou alugar e investir a diferenca mensal.

Patrimonio final (financiando)

R$ 378.877,17

Patrimonio final (alugando e investindo)

R$ 509.783,99

Diferenca final

-R$ 130.906,83

Valor financiadoR$ 400.000,00

Mes de quitacao do financiamentonao quitou no horizonte

Custo acumulado comprandoR$ 602.027,59

Custo acumulado alugandoR$ 377.336,78

Evolucao mensal

MesValor do imovelSaldo devedorCusto comprar (mes)Aluguel (mes)Investimento alugandoPatrimonio comprandoPatrimonio alugandoDiferenca
1R$ 501.636,87R$ 399.806,09R$ 4.183,56R$ 2.500,00R$ 102.519,08R$ 101.830,78R$ 102.519,08-R$ 688,30
2R$ 503.279,10R$ 399.610,64R$ 4.183,56R$ 2.500,00R$ 105.059,21R$ 103.668,46R$ 105.059,21-R$ 1.390,75
3R$ 504.926,70R$ 399.413,63R$ 4.183,56R$ 2.500,00R$ 107.620,55R$ 105.513,08R$ 107.620,55-R$ 2.107,48
4R$ 506.579,70R$ 399.215,04R$ 4.183,56R$ 2.500,00R$ 110.203,30R$ 107.364,66R$ 110.203,30-R$ 2.838,65
5R$ 508.238,11R$ 399.014,88R$ 4.183,56R$ 2.500,00R$ 112.807,63R$ 109.223,23R$ 112.807,63-R$ 3.584,40
6R$ 509.901,95R$ 398.813,12R$ 4.183,56R$ 2.500,00R$ 115.433,72R$ 111.088,84R$ 115.433,72-R$ 4.344,89
7R$ 511.571,24R$ 398.609,74R$ 4.183,56R$ 2.500,00R$ 118.081,75R$ 112.961,49R$ 118.081,75-R$ 5.120,26
8R$ 513.245,99R$ 398.404,75R$ 4.183,56R$ 2.500,00R$ 120.751,91R$ 114.841,24R$ 120.751,91-R$ 5.910,67
9R$ 514.926,22R$ 398.198,12R$ 4.183,56R$ 2.500,00R$ 123.444,37R$ 116.728,10R$ 123.444,37-R$ 6.716,27
10R$ 516.611,96R$ 397.989,85R$ 4.183,56R$ 2.500,00R$ 126.159,33R$ 118.622,11R$ 126.159,33-R$ 7.537,22
11R$ 518.303,21R$ 397.779,91R$ 4.183,56R$ 2.500,00R$ 128.896,98R$ 120.523,30R$ 128.896,98-R$ 8.373,68
12R$ 520.000,00R$ 397.568,30R$ 4.183,56R$ 2.500,00R$ 131.657,49R$ 122.431,70R$ 131.657,49-R$ 9.225,79
13R$ 521.702,34R$ 397.355,00R$ 4.183,56R$ 2.625,00R$ 134.316,07R$ 124.347,34R$ 134.316,07-R$ 9.968,73
14R$ 523.410,26R$ 397.140,00R$ 4.183,56R$ 2.625,00R$ 136.996,87R$ 126.270,26R$ 136.996,87-R$ 10.726,61
15R$ 525.123,77R$ 396.923,29R$ 4.183,56R$ 2.625,00R$ 139.700,06R$ 128.200,48R$ 139.700,06-R$ 11.499,58
16R$ 526.842,89R$ 396.704,85R$ 4.183,56R$ 2.625,00R$ 142.425,84R$ 130.138,04R$ 142.425,84-R$ 12.287,80
17R$ 528.567,64R$ 396.484,67R$ 4.183,56R$ 2.625,00R$ 145.174,40R$ 132.082,97R$ 145.174,40-R$ 13.091,43
18R$ 530.298,03R$ 396.262,73R$ 4.183,56R$ 2.625,00R$ 147.945,91R$ 134.035,30R$ 147.945,91-R$ 13.910,61
19R$ 532.034,09R$ 396.039,02R$ 4.183,56R$ 2.625,00R$ 150.740,59R$ 135.995,07R$ 150.740,59-R$ 14.745,52
20R$ 533.775,83R$ 395.813,53R$ 4.183,56R$ 2.625,00R$ 153.558,61R$ 137.962,30R$ 153.558,61-R$ 15.596,31
21R$ 535.523,27R$ 395.586,24R$ 4.183,56R$ 2.625,00R$ 156.400,18R$ 139.937,04R$ 156.400,18-R$ 16.463,15
22R$ 537.276,44R$ 395.357,13R$ 4.183,56R$ 2.625,00R$ 159.265,49R$ 141.919,30R$ 159.265,49-R$ 17.346,19
23R$ 539.035,34R$ 395.126,20R$ 4.183,56R$ 2.625,00R$ 162.154,74R$ 143.909,14R$ 162.154,74-R$ 18.245,61
24R$ 540.800,00R$ 394.893,43R$ 4.183,56R$ 2.625,00R$ 165.068,14R$ 145.906,57R$ 165.068,14-R$ 19.161,57
25R$ 542.570,44R$ 394.658,80R$ 4.183,56R$ 2.756,25R$ 167.874,62R$ 147.911,63R$ 167.874,62-R$ 19.962,98
26R$ 544.346,67R$ 394.422,31R$ 4.183,56R$ 2.756,25R$ 170.704,55R$ 149.924,37R$ 170.704,55-R$ 20.780,18
27R$ 546.128,72R$ 394.183,92R$ 4.183,56R$ 2.756,25R$ 173.558,13R$ 151.944,80R$ 173.558,13-R$ 21.613,33
28R$ 547.916,61R$ 393.943,64R$ 4.183,56R$ 2.756,25R$ 176.435,55R$ 153.972,97R$ 176.435,55-R$ 22.462,58
29R$ 549.710,34R$ 393.701,43R$ 4.183,56R$ 2.756,25R$ 179.337,01R$ 156.008,91R$ 179.337,01-R$ 23.328,10
30R$ 551.509,95R$ 393.457,30R$ 4.183,56R$ 2.756,25R$ 182.262,71R$ 158.052,65R$ 182.262,71-R$ 24.210,06
31R$ 553.315,45R$ 393.211,22R$ 4.183,56R$ 2.756,25R$ 185.212,85R$ 160.104,23R$ 185.212,85-R$ 25.108,63
32R$ 555.126,86R$ 392.963,18R$ 4.183,56R$ 2.756,25R$ 188.187,65R$ 162.163,68R$ 188.187,65-R$ 26.023,97
33R$ 556.944,20R$ 392.713,16R$ 4.183,56R$ 2.756,25R$ 191.187,30R$ 164.231,04R$ 191.187,30-R$ 26.956,26
34R$ 558.767,49R$ 392.461,15R$ 4.183,56R$ 2.756,25R$ 194.212,01R$ 166.306,35R$ 194.212,01-R$ 27.905,67
35R$ 560.596,75R$ 392.207,12R$ 4.183,56R$ 2.756,25R$ 197.262,00R$ 168.389,63R$ 197.262,00-R$ 28.872,37
36R$ 562.432,00R$ 391.951,08R$ 4.183,56R$ 2.756,25R$ 200.337,47R$ 170.480,92R$ 200.337,47-R$ 29.856,54
37R$ 564.273,26R$ 391.692,98R$ 4.183,56R$ 2.894,06R$ 203.300,82R$ 172.580,27R$ 203.300,82-R$ 30.720,55
38R$ 566.120,54R$ 391.432,84R$ 4.183,56R$ 2.894,06R$ 206.288,93R$ 174.687,70R$ 206.288,93-R$ 31.601,22
39R$ 567.973,87R$ 391.170,61R$ 4.183,56R$ 2.894,06R$ 209.302,00R$ 176.803,26R$ 209.302,00-R$ 32.498,75
40R$ 569.833,27R$ 390.906,30R$ 4.183,56R$ 2.894,06R$ 212.340,26R$ 178.926,97R$ 212.340,26-R$ 33.413,29
41R$ 571.698,76R$ 390.639,88R$ 4.183,56R$ 2.894,06R$ 215.403,89R$ 181.058,88R$ 215.403,89-R$ 34.345,02
42R$ 573.570,35R$ 390.371,33R$ 4.183,56R$ 2.894,06R$ 218.493,13R$ 183.199,02R$ 218.493,13-R$ 35.294,11
43R$ 575.448,07R$ 390.100,64R$ 4.183,56R$ 2.894,06R$ 221.608,17R$ 185.347,42R$ 221.608,17-R$ 36.260,75
44R$ 577.331,94R$ 389.827,80R$ 4.183,56R$ 2.894,06R$ 224.749,24R$ 187.504,14R$ 224.749,24-R$ 37.245,11
45R$ 579.221,97R$ 389.552,78R$ 4.183,56R$ 2.894,06R$ 227.916,56R$ 189.669,19R$ 227.916,56-R$ 38.247,37
46R$ 581.118,19R$ 389.275,56R$ 4.183,56R$ 2.894,06R$ 231.110,34R$ 191.842,63R$ 231.110,34-R$ 39.267,71
47R$ 583.020,62R$ 388.996,14R$ 4.183,56R$ 2.894,06R$ 234.330,80R$ 194.024,49R$ 234.330,80-R$ 40.306,32
48R$ 584.929,28R$ 388.714,48R$ 4.183,56R$ 2.894,06R$ 237.578,17R$ 196.214,80R$ 237.578,17-R$ 41.363,38
49R$ 586.844,19R$ 388.430,58R$ 4.183,56R$ 3.038,77R$ 240.707,97R$ 198.413,60R$ 240.707,97-R$ 42.294,37
50R$ 588.765,36R$ 388.144,42R$ 4.183,56R$ 3.038,77R$ 243.863,92R$ 200.620,94R$ 243.863,92-R$ 43.242,98
51R$ 590.692,83R$ 387.855,98R$ 4.183,56R$ 3.038,77R$ 247.046,24R$ 202.836,85R$ 247.046,24-R$ 44.209,39
52R$ 592.626,60R$ 387.565,23R$ 4.183,56R$ 3.038,77R$ 250.255,15R$ 205.061,37R$ 250.255,15-R$ 45.193,78
53R$ 594.566,71R$ 387.272,17R$ 4.183,56R$ 3.038,77R$ 253.490,87R$ 207.294,54R$ 253.490,87-R$ 46.196,33
54R$ 596.513,16R$ 386.976,77R$ 4.183,56R$ 3.038,77R$ 256.753,62R$ 209.536,40R$ 256.753,62-R$ 47.217,23
55R$ 598.465,99R$ 386.679,01R$ 4.183,56R$ 3.038,77R$ 260.043,64R$ 211.786,98R$ 260.043,64-R$ 48.256,65
56R$ 600.425,21R$ 386.378,88R$ 4.183,56R$ 3.038,77R$ 263.361,14R$ 214.046,33R$ 263.361,14-R$ 49.314,80
57R$ 602.390,85R$ 386.076,36R$ 4.183,56R$ 3.038,77R$ 266.706,36R$ 216.314,49R$ 266.706,36-R$ 50.391,87
58R$ 604.362,92R$ 385.771,42R$ 4.183,56R$ 3.038,77R$ 270.079,53R$ 218.591,50R$ 270.079,53-R$ 51.488,03
59R$ 606.341,45R$ 385.464,05R$ 4.183,56R$ 3.038,77R$ 273.480,88R$ 220.877,40R$ 273.480,88-R$ 52.603,49
60R$ 608.326,45R$ 385.154,23R$ 4.183,56R$ 3.038,77R$ 276.910,66R$ 223.172,22R$ 276.910,66-R$ 53.738,44
61R$ 610.317,95R$ 384.841,94R$ 4.183,56R$ 3.190,70R$ 280.217,15R$ 225.476,01R$ 280.217,15-R$ 54.741,14
62R$ 612.315,98R$ 384.527,16R$ 4.183,56R$ 3.190,70R$ 283.551,27R$ 227.788,81R$ 283.551,27-R$ 55.762,45
63R$ 614.320,54R$ 384.209,87R$ 4.183,56R$ 3.190,70R$ 286.913,24R$ 230.110,67R$ 286.913,24-R$ 56.802,58
64R$ 616.331,66R$ 383.890,05R$ 4.183,56R$ 3.190,70R$ 290.303,30R$ 232.441,61R$ 290.303,30-R$ 57.861,69
65R$ 618.349,37R$ 383.567,68R$ 4.183,56R$ 3.190,70R$ 293.721,69R$ 234.781,69R$ 293.721,69-R$ 58.940,00
66R$ 620.373,69R$ 383.242,74R$ 4.183,56R$ 3.190,70R$ 297.168,64R$ 237.130,95R$ 297.168,64-R$ 60.037,70
67R$ 622.404,63R$ 382.915,21R$ 4.183,56R$ 3.190,70R$ 300.644,39R$ 239.489,42R$ 300.644,39-R$ 61.154,97
68R$ 624.442,22R$ 382.585,07R$ 4.183,56R$ 3.190,70R$ 304.149,18R$ 241.857,15R$ 304.149,18-R$ 62.292,03
69R$ 626.486,48R$ 382.252,29R$ 4.183,56R$ 3.190,70R$ 307.683,26R$ 244.234,19R$ 307.683,26-R$ 63.449,06
70R$ 628.537,44R$ 381.916,86R$ 4.183,56R$ 3.190,70R$ 311.246,86R$ 246.620,58R$ 311.246,86-R$ 64.626,28
71R$ 630.595,10R$ 381.578,76R$ 4.183,56R$ 3.190,70R$ 314.840,23R$ 249.016,35R$ 314.840,23-R$ 65.823,88
72R$ 632.659,51R$ 381.237,96R$ 4.183,56R$ 3.190,70R$ 318.463,63R$ 251.421,55R$ 318.463,63-R$ 67.042,08
73R$ 634.730,67R$ 380.894,44R$ 4.183,56R$ 3.350,24R$ 321.957,77R$ 253.836,23R$ 321.957,77-R$ 68.121,53
74R$ 636.808,61R$ 380.548,18R$ 4.183,56R$ 3.350,24R$ 325.481,10R$ 256.260,43R$ 325.481,10-R$ 69.220,67
75R$ 638.893,36R$ 380.199,16R$ 4.183,56R$ 3.350,24R$ 329.033,87R$ 258.694,20R$ 329.033,87-R$ 70.339,67
76R$ 640.984,93R$ 379.847,36R$ 4.183,56R$ 3.350,24R$ 332.616,32R$ 261.137,57R$ 332.616,32-R$ 71.478,75
77R$ 643.083,35R$ 379.492,75R$ 4.183,56R$ 3.350,24R$ 336.228,71R$ 263.590,60R$ 336.228,71-R$ 72.638,11
78R$ 645.188,64R$ 379.135,32R$ 4.183,56R$ 3.350,24R$ 339.871,27R$ 266.053,32R$ 339.871,27-R$ 73.817,96
79R$ 647.300,82R$ 378.775,03R$ 4.183,56R$ 3.350,24R$ 343.544,28R$ 268.525,78R$ 343.544,28-R$ 75.018,49
80R$ 649.419,91R$ 378.411,88R$ 4.183,56R$ 3.350,24R$ 347.247,97R$ 271.008,04R$ 347.247,97-R$ 76.239,93
81R$ 651.545,94R$ 378.045,82R$ 4.183,56R$ 3.350,24R$ 350.982,60R$ 273.500,12R$ 350.982,60-R$ 77.482,48
82R$ 653.678,93R$ 377.676,85R$ 4.183,56R$ 3.350,24R$ 354.748,44R$ 276.002,09R$ 354.748,44-R$ 78.746,35
83R$ 655.818,91R$ 377.304,93R$ 4.183,56R$ 3.350,24R$ 358.545,74R$ 278.513,98R$ 358.545,74-R$ 80.031,77
84R$ 657.965,89R$ 376.930,05R$ 4.183,56R$ 3.350,24R$ 362.374,77R$ 281.035,84R$ 362.374,77-R$ 81.338,94
85R$ 660.119,90R$ 376.552,18R$ 4.183,56R$ 3.517,75R$ 366.068,28R$ 283.567,72R$ 366.068,28-R$ 82.500,57
86R$ 662.280,96R$ 376.171,30R$ 4.183,56R$ 3.517,75R$ 369.792,65R$ 286.109,66R$ 369.792,65-R$ 83.682,99
87R$ 664.449,10R$ 375.787,38R$ 4.183,56R$ 3.517,75R$ 373.548,14R$ 288.661,72R$ 373.548,14-R$ 84.886,42
88R$ 666.624,33R$ 375.400,40R$ 4.183,56R$ 3.517,75R$ 377.335,00R$ 291.223,93R$ 377.335,00-R$ 86.111,07
89R$ 668.806,68R$ 375.010,33R$ 4.183,56R$ 3.517,75R$ 381.153,51R$ 293.796,35R$ 381.153,51-R$ 87.357,16
90R$ 670.996,18R$ 374.617,15R$ 4.183,56R$ 3.517,75R$ 385.003,92R$ 296.379,03R$ 385.003,92-R$ 88.624,89
91R$ 673.192,85R$ 374.220,84R$ 4.183,56R$ 3.517,75R$ 388.886,50R$ 298.972,01R$ 388.886,50-R$ 89.914,49
92R$ 675.396,71R$ 373.821,36R$ 4.183,56R$ 3.517,75R$ 392.801,52R$ 301.575,34R$ 392.801,52-R$ 91.226,17
93R$ 677.607,78R$ 373.418,70R$ 4.183,56R$ 3.517,75R$ 396.749,25R$ 304.189,08R$ 396.749,25-R$ 92.560,17
94R$ 679.826,09R$ 373.012,83R$ 4.183,56R$ 3.517,75R$ 400.729,96R$ 306.813,26R$ 400.729,96-R$ 93.916,70
95R$ 682.051,67R$ 372.603,73R$ 4.183,56R$ 3.517,75R$ 404.743,94R$ 309.447,94R$ 404.743,94-R$ 95.296,00
96R$ 684.284,53R$ 372.191,36R$ 4.183,56R$ 3.517,75R$ 408.791,45R$ 312.093,17R$ 408.791,45-R$ 96.698,28
97R$ 686.524,69R$ 371.775,70R$ 4.183,56R$ 3.693,64R$ 412.696,89R$ 314.748,99R$ 412.696,89-R$ 97.947,89
98R$ 688.772,20R$ 371.356,73R$ 4.183,56R$ 3.693,64R$ 416.634,96R$ 317.415,47R$ 416.634,96-R$ 99.219,49
99R$ 691.027,06R$ 370.934,42R$ 4.183,56R$ 3.693,64R$ 420.605,93R$ 320.092,64R$ 420.605,93-R$ 100.513,29
100R$ 693.289,30R$ 370.508,74R$ 4.183,56R$ 3.693,64R$ 424.610,09R$ 322.780,56R$ 424.610,09-R$ 101.829,52
101R$ 695.558,95R$ 370.079,66R$ 4.183,56R$ 3.693,64R$ 428.647,69R$ 325.479,29R$ 428.647,69-R$ 103.168,41
102R$ 697.836,03R$ 369.647,17R$ 4.183,56R$ 3.693,64R$ 432.719,04R$ 328.188,86R$ 432.719,04-R$ 104.530,17
103R$ 700.120,56R$ 369.211,22R$ 4.183,56R$ 3.693,64R$ 436.824,40R$ 330.909,34R$ 436.824,40-R$ 105.915,06
104R$ 702.412,58R$ 368.771,80R$ 4.183,56R$ 3.693,64R$ 440.964,06R$ 333.640,77R$ 440.964,06-R$ 107.323,28
105R$ 704.712,09R$ 368.328,88R$ 4.183,56R$ 3.693,64R$ 445.138,30R$ 336.383,22R$ 445.138,30-R$ 108.755,09
106R$ 707.019,14R$ 367.882,42R$ 4.183,56R$ 3.693,64R$ 449.347,43R$ 339.136,72R$ 449.347,43-R$ 110.210,71
107R$ 709.333,73R$ 367.432,40R$ 4.183,56R$ 3.693,64R$ 453.591,72R$ 341.901,33R$ 453.591,72-R$ 111.690,39
108R$ 711.655,91R$ 366.978,80R$ 4.183,56R$ 3.693,64R$ 457.871,48R$ 344.677,11R$ 457.871,48-R$ 113.194,37
109R$ 713.985,68R$ 366.521,57R$ 4.183,56R$ 3.878,32R$ 462.002,31R$ 347.464,11R$ 462.002,31-R$ 114.538,20
110R$ 716.323,09R$ 366.060,70R$ 4.183,56R$ 3.878,32R$ 466.167,65R$ 350.262,38R$ 466.167,65-R$ 115.905,27
111R$ 718.668,14R$ 365.596,16R$ 4.183,56R$ 3.878,32R$ 470.367,80R$ 353.071,98R$ 470.367,80-R$ 117.295,82
112R$ 721.020,87R$ 365.127,91R$ 4.183,56R$ 3.878,32R$ 474.603,04R$ 355.892,96R$ 474.603,04-R$ 118.710,07
113R$ 723.381,31R$ 364.655,93R$ 4.183,56R$ 3.878,32R$ 478.873,66R$ 358.725,38R$ 478.873,66-R$ 120.148,28
114R$ 725.749,47R$ 364.180,18R$ 4.183,56R$ 3.878,32R$ 483.179,97R$ 361.569,29R$ 483.179,97-R$ 121.610,68
115R$ 728.125,39R$ 363.700,64R$ 4.183,56R$ 3.878,32R$ 487.522,25R$ 364.424,74R$ 487.522,25-R$ 123.097,51
116R$ 730.509,08R$ 363.217,28R$ 4.183,56R$ 3.878,32R$ 491.900,82R$ 367.291,80R$ 491.900,82-R$ 124.609,02
117R$ 732.900,58R$ 362.730,06R$ 4.183,56R$ 3.878,32R$ 496.315,97R$ 370.170,51R$ 496.315,97-R$ 126.145,46
118R$ 735.299,90R$ 362.238,96R$ 4.183,56R$ 3.878,32R$ 500.768,01R$ 373.060,94R$ 500.768,01-R$ 127.707,07
119R$ 737.707,08R$ 361.743,94R$ 4.183,56R$ 3.878,32R$ 505.257,25R$ 375.963,14R$ 505.257,25-R$ 129.294,11
120R$ 740.122,14R$ 361.244,98R$ 4.183,56R$ 3.878,32R$ 509.783,99R$ 378.877,17R$ 509.783,99-R$ 130.906,83

Simulacao educacional com taxas fixas e reajuste anual constante. Nao inclui impostos de compra, vacancia ou custos de venda.

Metodologia e fontes

Consulte o guia com as formulas, exemplo numerico, FAQ, limitacoes e fontes usadas para o comparativo financiar vs alugar.

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