Calcula o plano de pagamento no superendividamento

Monta um plano de pagamento das dívidas do devedor conforme a Lei do Superendividamento, respeitando o mínimo existencial. Informe as dívidas (debts), o prazo e a carência do plano, o sistema de amortização (price ou sac), a taxa de juros e o mínimo existencial (minimum_living_income). A resposta traz o resumo do plano (summary), o rateio das parcelas por credor (installments_by_creditor) e o cronograma consolidado (amortization_schedule).

POST /api/calculadoras/superendividamento

Calcula o plano de pagamento no superendividamento

cURL

curl --request POST \
  --url https://api.jusfy.com.br/api/calculadoras/superendividamento \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '
{
  "name": "Plano de superendividamento - exemplo",
  "planning_start_date": "2024-09-20",
  "number_of_months": 10,
  "grace_period": 0,
  "amortization_type": "price",
  "interest_rate": 10,
  "debts": [
    {
      "item_id": 1,
      "creditor": "Credor A",
      "description": "Cartão de crédito",
      "amount": 3000
    },
    {
      "item_id": 2,
      "creditor": "Credor B",
      "description": "Empréstimo pessoal",
      "amount": 2000
    }
  ],
  "minimum_living_income": {
    "total_income": 5000,
    "percentage_minimum_living": 50
  }
}
'

200

Example

{
  "statusCode": 200,
  "message": "Cálculo concluído com sucesso",
  "timestamp": "2026-06-22T18:00:00.000Z",
  "path": "/api/calculadoras/superendividamento",
  "result": {
    "summary": {
      "outstanding_balance": 5000,
      "total_interest_paid": 3137.29,
      "total_paid": 8137.3,
      "grace_period": 0,
      "interest_rate": 10,
      "number_of_months": 10,
      "installment_fixed_value": 813.73,
      "outstanding_balance_remaining": 0,
      "plan_status": "possible"
    },
    "installments_by_creditor": [
      {
        "name": "Credor A",
        "description": "Cartão de crédito",
        "payment_amount": 488.24,
        "outstanding_balance": 3000,
        "total_interest_paid": 1882.38,
        "total_paid": 4882.4,
        "outstanding_balance_remaining": 0,
        "installments": [
          {
            "number": 0,
            "due_date": "2024-08-20",
            "amortization": 0,
            "interest": 0,
            "payment_amount": 0,
            "outstanding_balance": 3000,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 1,
            "due_date": "2024-09-20",
            "amortization": 188.24,
            "interest": 300,
            "payment_amount": 488.24,
            "outstanding_balance": 2811.76,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 2,
            "due_date": "2024-10-20",
            "amortization": 207.06,
            "interest": 281.18,
            "payment_amount": 488.24,
            "outstanding_balance": 2604.7,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 3,
            "due_date": "2024-11-20",
            "amortization": 227.77,
            "interest": 260.47,
            "payment_amount": 488.24,
            "outstanding_balance": 2376.94,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 4,
            "due_date": "2024-12-20",
            "amortization": 250.54,
            "interest": 237.7,
            "payment_amount": 488.24,
            "outstanding_balance": 2126.39,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 5,
            "due_date": "2025-01-20",
            "amortization": 275.6,
            "interest": 212.64,
            "payment_amount": 488.24,
            "outstanding_balance": 1850.8,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 6,
            "due_date": "2025-02-20",
            "amortization": 303.16,
            "interest": 185.08,
            "payment_amount": 488.24,
            "outstanding_balance": 1547.65,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 7,
            "due_date": "2025-03-20",
            "amortization": 333.47,
            "interest": 154.76,
            "payment_amount": 488.24,
            "outstanding_balance": 1214.17,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 8,
            "due_date": "2025-04-20",
            "amortization": 366.82,
            "interest": 121.42,
            "payment_amount": 488.24,
            "outstanding_balance": 847.35,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 9,
            "due_date": "2025-05-20",
            "amortization": 403.5,
            "interest": 84.74,
            "payment_amount": 488.24,
            "outstanding_balance": 443.85,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 10,
            "due_date": "2025-06-20",
            "amortization": 443.85,
            "interest": 44.39,
            "payment_amount": 488.24,
            "outstanding_balance": 0,
            "monthly_interest_rate": 0.1
          }
        ]
      },
      {
        "name": "Credor B",
        "description": "Empréstimo pessoal",
        "payment_amount": 325.49,
        "outstanding_balance": 2000,
        "total_interest_paid": 1254.91,
        "total_paid": 3254.9,
        "outstanding_balance_remaining": 0,
        "installments": [
          {
            "number": 0,
            "due_date": "2024-08-20",
            "amortization": 0,
            "interest": 0,
            "payment_amount": 0,
            "outstanding_balance": 2000,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 1,
            "due_date": "2024-09-20",
            "amortization": 125.49,
            "interest": 200,
            "payment_amount": 325.49,
            "outstanding_balance": 1874.51,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 2,
            "due_date": "2024-10-20",
            "amortization": 138.04,
            "interest": 187.45,
            "payment_amount": 325.49,
            "outstanding_balance": 1736.47,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 3,
            "due_date": "2024-11-20",
            "amortization": 151.84,
            "interest": 173.65,
            "payment_amount": 325.49,
            "outstanding_balance": 1584.62,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 4,
            "due_date": "2024-12-20",
            "amortization": 167.03,
            "interest": 158.46,
            "payment_amount": 325.49,
            "outstanding_balance": 1417.6,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 5,
            "due_date": "2025-01-20",
            "amortization": 183.73,
            "interest": 141.76,
            "payment_amount": 325.49,
            "outstanding_balance": 1233.87,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 6,
            "due_date": "2025-02-20",
            "amortization": 202.1,
            "interest": 123.39,
            "payment_amount": 325.49,
            "outstanding_balance": 1031.76,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 7,
            "due_date": "2025-03-20",
            "amortization": 222.32,
            "interest": 103.18,
            "payment_amount": 325.49,
            "outstanding_balance": 809.45,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 8,
            "due_date": "2025-04-20",
            "amortization": 244.55,
            "interest": 80.94,
            "payment_amount": 325.49,
            "outstanding_balance": 564.9,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 9,
            "due_date": "2025-05-20",
            "amortization": 269,
            "interest": 56.49,
            "payment_amount": 325.49,
            "outstanding_balance": 295.9,
            "monthly_interest_rate": 0.1
          },
          {
            "number": 10,
            "due_date": "2025-06-20",
            "amortization": 295.9,
            "interest": 29.59,
            "payment_amount": 325.49,
            "outstanding_balance": 0,
            "monthly_interest_rate": 0.1
          }
        ]
      }
    ],
    "amortization_schedule": {
      "total_interest_paid": 3137.29,
      "total_paid": 8137.3,
      "installments": [
        {
          "number": 0,
          "due_date": "2024-08-20",
          "payment_amount": 0,
          "interest": 0,
          "amortization": 0,
          "outstanding_balance": 5000,
          "monthly_interest_rate": 0.1
        },
        {
          "number": 1,
          "due_date": "2024-09-20",
          "payment_amount": 813.73,
          "interest": 500,
          "amortization": 313.73,
          "outstanding_balance": 4686.27,
          "monthly_interest_rate": 0.1
        },
        {
          "number": 2,
          "due_date": "2024-10-20",
          "payment_amount": 813.73,
          "interest": 468.63,
          "amortization": 345.1,
          "outstanding_balance": 4341.17,
          "monthly_interest_rate": 0.1
        },
        {
          "number": 3,
          "due_date": "2024-11-20",
          "payment_amount": 813.73,
          "interest": 434.12,
          "amortization": 379.61,
          "outstanding_balance": 3961.56,
          "monthly_interest_rate": 0.1
        },
        {
          "number": 4,
          "due_date": "2024-12-20",
          "payment_amount": 813.73,
          "interest": 396.16,
          "amortization": 417.57,
          "outstanding_balance": 3543.99,
          "monthly_interest_rate": 0.1
        },
        {
          "number": 5,
          "due_date": "2025-01-20",
          "payment_amount": 813.73,
          "interest": 354.4,
          "amortization": 459.33,
          "outstanding_balance": 3084.67,
          "monthly_interest_rate": 0.1
        },
        {
          "number": 6,
          "due_date": "2025-02-20",
          "payment_amount": 813.73,
          "interest": 308.47,
          "amortization": 505.26,
          "outstanding_balance": 2579.41,
          "monthly_interest_rate": 0.1
        },
        {
          "number": 7,
          "due_date": "2025-03-20",
          "payment_amount": 813.73,
          "interest": 257.94,
          "amortization": 555.79,
          "outstanding_balance": 2023.62,
          "monthly_interest_rate": 0.1
        },
        {
          "number": 8,
          "due_date": "2025-04-20",
          "payment_amount": 813.73,
          "interest": 202.36,
          "amortization": 611.37,
          "outstanding_balance": 1412.25,
          "monthly_interest_rate": 0.1
        },
        {
          "number": 9,
          "due_date": "2025-05-20",
          "payment_amount": 813.73,
          "interest": 141.23,
          "amortization": 672.5,
          "outstanding_balance": 739.75,
          "monthly_interest_rate": 0.1
        },
        {
          "number": 10,
          "due_date": "2025-06-20",
          "payment_amount": 813.73,
          "interest": 73.98,
          "amortization": 739.75,
          "outstanding_balance": 0,
          "monthly_interest_rate": 0.1
        }
      ]
    }
  }
}

Autorizações

x-api-key · string · header · obrigatório

Corpo

application/json

Payload da calculadora de superendividamento.

Payload do cálculo de superendividamento. Informe as dívidas a renegociar, os parâmetros do plano (prazo, carência, juros e sistema de amortização) e o mínimo existencial; a resposta traz o resumo do plano, o rateio das parcelas por credor e o cronograma consolidado de amortização.

planning_start_date · string<date> · obrigatório

Data de início do planejamento (YYYY-MM-DD).

number_of_months · number · obrigatório

Quantidade de meses do plano (inteiro positivo).

grace_period · number · obrigatório

Período de carência, em dias (0..180).

debts · object[] · obrigatório

Dívidas a renegociar. Deve conter pelo menos um item.

Show child attributes

amortization_type · enum<string> · obrigatório

Sistema de amortização aplicado ao plano.

Opções disponíveis: price, sac

interest_rate · number · obrigatório

Juros mensal (%) aplicado ao plano (>= 0).

minimum_living_income · object · obrigatório

Parâmetros do mínimo existencial usados para limitar o valor da parcela.

Show child attributes

name · string

Nome do cálculo. Opcional; não afeta o resultado.

Resposta

200

application/json

Resultado do plano, com resumo, rateio por credor e cronograma.

The response is of type object.