Consumer Credit Calculators
Simple, free tools to understand consumer credit in Portugal, starting with the personal-loan payment and its TAEG.
Personal Loan Calculator (Portugal)
How much will a personal loan cost you each month? This calculator estimates the monthly payment from the amount, the nominal annual rate (TAN) and the term in months, and shows the total you pay and the total cost of the credit. It also computes the TAEG (the APR), the rate that bundles the interest and the upfront fee to measure the real cost of the loan.
Open calculator →Car Loan Calculator (Portugal)
How much will a car loan cost you each month? This calculator estimates the payment from the car price, the down payment, the nominal annual rate (TAN) and the term, and lets you add a residual value (the final balloon that lowers the payment but is owed at the end). It also shows the TAEG (the APR), which measures the real cost of the credit, the total you pay and the total cost.
Open calculator →Debt Consolidation Calculator (Portugal)
Is it worth combining your loans into one? This calculator adds up the outstanding balances of the debts you enter and works out the single monthly payment of a new consolidated loan from the interest rate (TAN) and the term. It shows the monthly saving against the sum of your current payments, the TAEG (APR) and the total cost of the new credit, so you see both sides: the payment drops, but a longer term can raise the total interest.
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About consumer credit calculators
Consumer credit (such as a personal loan) is a loan with a fixed amount and term, repaid in equal monthly instalments. These calculators help you estimate the payment from the amount, the rate (TAN) and the term, and see the real cost of the credit through the TAEG, which bundles interest and fees. They are educational estimates. They do not replace the bank’s offer or its standardised information sheet. Each calculator shows the formula it uses, cites its sources and links to the article that goes deeper.
Learn
- What is a personal loan and how does it work? →
- What is a car loan and how does it work? →
- What is debt consolidation and when is it worth it? →
The calculators provide educational estimates and do not constitute financial advice.