drjurosabusivos.com.br

What It Is

Dr. Juros Abusivos offers an “abusive interest calculator/editable spreadsheet” for Brazilian loan and financing contracts. It helps users determine whether the interest rate in a contract is higher than the average rate published by the Banco Central do Brasil. It covers scenarios such as payroll-deductible loans, personal loans, vehicle financing, and real estate financing. The target users include individuals, businesses, and professionals such as lawyers and accountants.

Core Features and Product Format

Based on the information on the page, this product is closer to a one-time-purchase digital tool than a full enterprise-grade SaaS platform. Its core capabilities include automatically identifying potentially abusive interest, comparing contract rates against Banco Central average rates, supporting three calculation methods—Price, SAC, and simple interest—and recalculating installments, outstanding balance, and total cost after excluding insurance, fees, and other add-on charges. It also provides calculations for laudo, perícia, parecer, and indébito refund amounts, making it useful for understanding contract costs or preparing supporting materials before negotiation.

Pricing and Delivery

Pricing is very straightforward: the page lists an original price of R$89,90 and a promotional price of R$29,90. After purchase, users create an account and pay via PIX or cartão, then can immediately download the 2026 version of the calculator and an additional materials package. The usage period is 30 days. No free version or trial information was found.

Pros and Cons

Its strengths are a focused use case, low price, relatively low learning curve, and the use of Brazilian central bank data as a benchmark, which can help non-specialist users quickly understand loan costs. The editable spreadsheet format is also convenient for lawyers and accountants who need to adjust calculations case by case. Its limitations are that it lacks typical SaaS features such as team collaboration, permission management, APIs, cloud data management, or security and compliance documentation. The usage period is only 30 days, and the page does not sufficiently disclose the extent to which the outputs may be legally admissible or what professional review process is involved.

Who It’s For and Access from China

It is suitable for individuals, business owners, lawyers, and accountants dealing with Brazilian financial contracts. It is not a good fit for organizations that need enterprise-grade workflows, bulk client management, or cross-team collaboration. The page does not make it possible to assess access from China. Since the product, payment methods, and legal benchmarks are highly localized to Brazil, it has limited reference value for Chinese loan scenarios. Chinese users would generally be better served by local bank loan calculators, Excel/WPS templates, or legal and financial consulting services.