API for calculating amortization schedules in Brazilian fashion (PRICE and SAC) including finance taxes. Compatible with B3 (Brasil, Bolsa, Balcão) methodologies. See 'Caderno de fórmulas B3'
### Calculate amortization schedule
POST http://localhost:8081/loan OR POST http://localhost:8081/loan/liquid
Content-Type: application/json
{
"interestMode": "TwoFiveTwoMonth",
"loanAmount": 24395.5149588254,
"interestRate": 0.0896,
"loanTerms": 12,
"paymentEveryX": 1,
"personType": "Legal",
"paymentFrequency": "Monthly",
"startDate": "2022-10-20",
"firstIncorporationEvent": "2022-10-25",
"principalGracePeriodTerms": 0,
"commissions": [
{
"commissionType": "Percentage",
"commissionValue": 10.81
},
{
"commissionType": "Percentage",
"commissionValue": 12.51
}
],
"amortizationType": "PRICE"
}
Result in Console:
# Date Interest Principal Remaining Payment Tax
0 2022-10-20 R$ 0.00 R$ 0.00 R$ 24395.51 R$ 0.00 R$ 0.00
1 2022-10-25 R$ 0.00 R$ 0.00 R$ 24395.51 R$ 0.00 R$ 0.00
2 2022-11-25 R$ 21.86 R$ 2022.96 R$ 22372.55 R$ 2044.82 R$ 12.75
3 2022-12-25 R$ 20.05 R$ 2024.77 R$ 20347.78 R$ 2044.82 R$ 15.33
4 2023-01-25 R$ 18.23 R$ 2026.59 R$ 18321.19 R$ 2044.82 R$ 17.92
5 2023-02-25 R$ 16.42 R$ 2028.40 R$ 16292.79 R$ 2044.82 R$ 20.27
6 2023-03-25 R$ 14.60 R$ 2030.22 R$ 14262.57 R$ 2044.82 R$ 22.86
7 2023-04-25 R$ 12.78 R$ 2032.04 R$ 12230.53 R$ 2044.82 R$ 25.38
8 2023-05-25 R$ 10.96 R$ 2033.86 R$ 10196.67 R$ 2044.82 R$ 27.99
9 2023-06-25 R$ 9.14 R$ 2035.68 R$ 8160.99 R$ 2044.82 R$ 30.52
10 2023-07-25 R$ 7.31 R$ 2037.51 R$ 6123.48 R$ 2044.82 R$ 33.14
11 2023-08-25 R$ 5.49 R$ 2039.33 R$ 4084.15 R$ 2044.82 R$ 35.76
12 2023-09-25 R$ 3.66 R$ 2041.16 R$ 2042.99 R$ 2044.82 R$ 38.30
13 2023-10-25 R$ 1.83 R$ 2042.99 R$ -0.00 R$ 2044.82 R$ 38.34
InitialAmount: R$ 24395.51
FinalAmount: R$ -0.00
Tax: R$ 318.56
Commissions: R$ 5689.03
Net: R$ 18387.92
Interest: R$ 142.31
Total PMT: R$ 24537.83
Result in JSON:
{
"errors": null,
"response": {
"resultCommissions": 5689.0340883980825,
"resultFinalPrincipal": -8.077449820120819e-9,
"resultInterest": 142.31276339,
"resultMonthlyEffectiveRate": 4.614135584518442,
"resultMonthlyNominalRate": 8.96e-2,
"resultNetValue": 18387.917387434853,
"resultSchedule": {
"paymentItems": [
{
"accruedInterest": 0,
"dueAmount": 0,
"dueDate": "2022-10-20",
"financialTax": 0,
"paymentAmortization": 0,
"paymentNo": 0,
"remainingPrincipal": 24395.5149588254
},
{
"accruedInterest": 0,
"dueAmount": 0,
"dueDate": "2022-10-25",
"financialTax": 0,
"paymentAmortization": 0,
"paymentNo": 1,
"remainingPrincipal": 24395.5149588254
},
{
"accruedInterest": 21.8583814,
"dueAmount": 2044.818976851957,
"dueDate": "2022-11-25",
"financialTax": 12.74667471194278,
"paymentAmortization": 2022.9605954519568,
"paymentNo": 2,
"remainingPrincipal": 22372.55436337344
},
{
"accruedInterest": 20.04580871,
"dueAmount": 2044.818976851957,
"dueDate": "2022-12-25",
"financialTax": 15.331582429170897,
"paymentAmortization": 2024.7731681419568,
"paymentNo": 3,
"remainingPrincipal": 20347.781195231488
},
{
"accruedInterest": 18.23161195,
"dueAmount": 2044.818976851957,
"dueDate": "2023-01-25",
"financialTax": 17.921112067828005,
"paymentAmortization": 2026.5873649019568,
"paymentNo": 4,
"remainingPrincipal": 18321.193830329532
},
{
"accruedInterest": 16.41578967,
"dueAmount": 2044.818976851957,
"dueDate": "2023-02-25",
"financialTax": 20.26577624313493,
"paymentAmortization": 2028.4031871819568,
"paymentNo": 5,
"remainingPrincipal": 16292.790643147577
},
{
"accruedInterest": 14.59834042,
"dueAmount": 2044.818976851957,
"dueDate": "2023-03-25",
"financialTax": 22.864344807496696,
"paymentAmortization": 2030.2206364319568,
"paymentNo": 6,
"remainingPrincipal": 14262.57000671562
},
{
"accruedInterest": 12.77926273,
"dueAmount": 2044.818976851957,
"dueDate": "2023-04-25",
"financialTax": 25.384240108811483,
"paymentAmortization": 2032.0397141219569,
"paymentNo": 7,
"remainingPrincipal": 12230.530292593663
},
{
"accruedInterest": 10.95855514,
"dueAmount": 2044.818976851957,
"dueDate": "2023-05-25",
"financialTax": 27.992020984021664,
"paymentAmortization": 2033.8604217119569,
"paymentNo": 8,
"remainingPrincipal": 10196.669870881706
},
{
"accruedInterest": 9.1362162,
"dueAmount": 2044.818976851957,
"dueDate": "2023-06-25",
"financialTax": 30.520991630454787,
"paymentAmortization": 2035.6827606519569,
"paymentNo": 9,
"remainingPrincipal": 8160.987110229749
},
{
"accruedInterest": 7.31224445,
"dueAmount": 2044.818976851957,
"dueDate": "2023-07-25",
"financialTax": 33.138009495785425,
"paymentAmortization": 2037.506732401957,
"paymentNo": 10,
"remainingPrincipal": 6123.480377827793
},
{
"accruedInterest": 5.48663842,
"dueAmount": 2044.818976851957,
"dueDate": "2023-08-25",
"financialTax": 35.75969255440437,
"paymentAmortization": 2039.332338431957,
"paymentNo": 11,
"remainingPrincipal": 4084.1480393958363
},
{
"accruedInterest": 3.65939664,
"dueAmount": 2044.818976851957,
"dueDate": "2023-09-25",
"financialTax": 38.30235952267737,
"paymentAmortization": 2041.1595802119568,
"paymentNo": 12,
"remainingPrincipal": 2042.9884591838795
},
{
"accruedInterest": 1.83051766,
"dueAmount": 2044.818976851957,
"dueDate": "2023-10-25",
"financialTax": 38.336678436737074,
"paymentAmortization": 2042.988459191957,
"paymentNo": 13,
"remainingPrincipal": -8.077449820120819e-9
}
]
},
"resultStartPrincipal": 24395.5149588254,
"resultTax": 318.56348299246554,
"resultTotalPayment": 24537.82772222349,
"resultYearlyEffectiveRate": 71.82424746024259,
"resultYearlyNominalRate": 1.0805144426581315
}
}Net Loan Result
{
"queryAmount": 32365.881223023705,
"result": {
"errors": null,
"response": {
"resultCommissions": 7547.723501209128,
"resultFinalPrincipal": 1.412126948707737e-8,
"resultInterest": 188.80839387,
"resultMonthlyEffectiveRate": 4.614135584518442,
"resultMonthlyNominalRate": 8.96e-2,
"resultNetValue": 24395.514958588596,
"resultSchedule": {
"paymentItems": [
{
"accruedInterest": 0,
"dueAmount": 0,
"dueDate": "2022-10-20",
"financialTax": 0,
"paymentAmortization": 0,
"paymentNo": 0,
"remainingPrincipal": 32365.881223023705
},
{
"accruedInterest": 0,
"dueAmount": 0,
"dueDate": "2022-10-25",
"financialTax": 0,
"paymentAmortization": 0,
"paymentNo": 1,
"remainingPrincipal": 32365.881223023705
},
{
"accruedInterest": 28.99982958,
"dueAmount": 2712.8908014066315,
"dueDate": "2022-11-25",
"financialTax": 16.911197013479605,
"paymentAmortization": 2683.8909718266314,
"paymentNo": 2,
"remainingPrincipal": 29681.990251197072
},
{
"accruedInterest": 26.59506327,
"dueAmount": 2712.8908014066315,
"dueDate": "2022-12-25",
"financialTax": 20.340631329170574,
"paymentAmortization": 2686.2957381366314,
"paymentNo": 3,
"remainingPrincipal": 26995.69451306044
},
{
"accruedInterest": 24.18814228,
"dueAmount": 2712.8908014066315,
"dueDate": "2023-01-25",
"financialTax": 23.7761976146568,
"paymentAmortization": 2688.7026591266313,
"paymentNo": 4,
"remainingPrincipal": 24306.991853933807
},
{
"accruedInterest": 21.7790647,
"dueAmount": 2712.8908014066315,
"dueDate": "2023-02-25",
"financialTax": 26.886897361435956,
"paymentAmortization": 2691.1117367066313,
"paymentNo": 5,
"remainingPrincipal": 21615.880117227174
},
{
"accruedInterest": 19.36782859,
"dueAmount": 2712.8908014066315,
"dueDate": "2023-03-25",
"financialTax": 30.334455719860905,
"paymentAmortization": 2693.5229728166314,
"paymentNo": 6,
"remainingPrincipal": 18922.35714441054
},
{
"accruedInterest": 16.954432,
"dueAmount": 2712.8908014066315,
"dueDate": "2023-04-25",
"financialTax": 33.677637126627644,
"paymentAmortization": 2695.9363694066315,
"paymentNo": 7,
"remainingPrincipal": 16226.420775003908
},
{
"accruedInterest": 14.53887301,
"dueAmount": 2712.8908014066315,
"dueDate": "2023-05-25",
"financialTax": 37.137417590522844,
"paymentAmortization": 2698.3519283966316,
"paymentNo": 8,
"remainingPrincipal": 13528.068846607277
},
{
"accruedInterest": 12.12114969,
"dueAmount": 2712.8908014066315,
"dueDate": "2023-06-25",
"financialTax": 40.492639388187456,
"paymentAmortization": 2700.7696517166314,
"paymentNo": 9,
"remainingPrincipal": 10827.299194890646
},
{
"accruedInterest": 9.70126008,
"dueAmount": 2712.8908014066315,
"dueDate": "2023-07-25",
"financialTax": 43.964674700136335,
"paymentAmortization": 2703.1895413266316,
"paymentNo": 10,
"remainingPrincipal": 8124.109653564015
},
{
"accruedInterest": 7.27920225,
"dueAmount": 2712.8908014066315,
"dueDate": "2023-08-25",
"financialTax": 47.44289939121154,
"paymentAmortization": 2705.6115991566317,
"paymentNo": 11,
"remainingPrincipal": 5418.498054407384
},
{
"accruedInterest": 4.85497426,
"dueAmount": 2712.8908014066315,
"dueDate": "2023-09-25",
"financialTax": 50.816292296406544,
"paymentAmortization": 2708.0358271466316,
"paymentNo": 12,
"remainingPrincipal": 2710.4622272607526
},
{
"accruedInterest": 2.42857416,
"dueAmount": 2712.8908014066315,
"dueDate": "2023-10-25",
"financialTax": 50.86182369428304,
"paymentAmortization": 2710.4622272466313,
"paymentNo": 13,
"remainingPrincipal": 1.412126948707737e-8
}
]
},
"resultStartPrincipal": 32365.881223023705,
"resultTax": 422.64276322597914,
"resultTotalPayment": 32554.689616879583,
"resultYearlyEffectiveRate": 71.82424746024259,
"resultYearlyNominalRate": 1.0805144426581315
}
}
}