This is some data extracted from a simulation at http://www8.caixa.gov.br/siopiinternet-web/simulaOperacaoInternet.do?method=inicializarCasoUso in order to get some money to buy an apartment in Brazil.

loan-of-108000-reais-to-buy-a-house-from-caixa-federal.js

const payments = [
  {
    "nr": 1,
    "payment": 1180.01
  },
  {
    "nr": 2,
    "payment": 1177.81
  },
  {
    "nr": 3,
    "payment": 1175.61
  },
  {
    "nr": 4,
    "payment": 1173.42
  },
  {
    "nr": 5,
    "payment": 1171.22
  },
  {
    "nr": 6,
    "payment": 1169.02
  },
  {
    "nr": 7,
    "payment": 1166.83
  },
  {
    "nr": 8,
    "payment": 1164.63
  },
  {
    "nr": 9,
    "payment": 1162.43
  },
  {
    "nr": 10,
    "payment": 1160.23
  },
  {
    "nr": 11,
    "payment": 1158.04
  },
  {
    "nr": 12,
    "payment": 1155.84
  },
  {
    "nr": 13,
    "payment": 1153.64
  },
  {
    "nr": 14,
    "payment": 1151.44
  },
  {
    "nr": 15,
    "payment": 1149.25
  },
  {
    "nr": 16,
    "payment": 1147.05
  },
  {
    "nr": 17,
    "payment": 1144.85
  },
  {
    "nr": 18,
    "payment": 1142.66
  },
  {
    "nr": 19,
    "payment": 1140.46
  },
  {
    "nr": 20,
    "payment": 1138.26
  },
  {
    "nr": 21,
    "payment": 1136.06
  },
  {
    "nr": 22,
    "payment": 1133.87
  },
  {
    "nr": 23,
    "payment": 1131.67
  },
  {
    "nr": 24,
    "payment": 1129.47
  },
  {
    "nr": 25,
    "payment": 1127.27
  },
  {
    "nr": 26,
    "payment": 1125.08
  },
  {
    "nr": 27,
    "payment": 1122.88
  },
  {
    "nr": 28,
    "payment": 1120.68
  },
  {
    "nr": 29,
    "payment": 1118.49
  },
  {
    "nr": 30,
    "payment": 1116.29
  },
  {
    "nr": 31,
    "payment": 1114.09
  },
  {
    "nr": 32,
    "payment": 1111.89
  },
  {
    "nr": 33,
    "payment": 1109.7
  },
  {
    "nr": 34,
    "payment": 1107.5
  },
  {
    "nr": 35,
    "payment": 1105.3
  },
  {
    "nr": 36,
    "payment": 1103.1
  },
  {
    "nr": 37,
    "payment": 1100.91
  },
  {
    "nr": 38,
    "payment": 1098.71
  },
  {
    "nr": 39,
    "payment": 1096.51
  },
  {
    "nr": 40,
    "payment": 1094.32
  },
  {
    "nr": 41,
    "payment": 1092.12
  },
  {
    "nr": 42,
    "payment": 1089.92
  },
  {
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    "payment": 1087.72
  },
  {
    "nr": 44,
    "payment": 1085.53
  },
  {
    "nr": 45,
    "payment": 1083.33
  },
  {
    "nr": 46,
    "payment": 1081.13
  },
  {
    "nr": 47,
    "payment": 1078.93
  },
  {
    "nr": 48,
    "payment": 1076.74
  },
  {
    "nr": 49,
    "payment": 1074.54
  },
  {
    "nr": 50,
    "payment": 1072.34
  },
  {
    "nr": 51,
    "payment": 1070.14
  },
  {
    "nr": 52,
    "payment": 1067.95
  },
  {
    "nr": 53,
    "payment": 1065.75
  },
  {
    "nr": 54,
    "payment": 1063.55
  },
  {
    "nr": 55,
    "payment": 1061.36
  },
  {
    "nr": 56,
    "payment": 1059.16
  },
  {
    "nr": 57,
    "payment": 1056.96
  },
  {
    "nr": 58,
    "payment": 1054.76
  },
  {
    "nr": 59,
    "payment": 1052.57
  },
  {
    "nr": 60,
    "payment": 1050.37
  },
  {
    "nr": 61,
    "payment": 1048.17
  },
  {
    "nr": 62,
    "payment": 1045.97
  },
  {
    "nr": 63,
    "payment": 1043.78
  },
  {
    "nr": 64,
    "payment": 1041.58
  },
  {
    "nr": 65,
    "payment": 1039.38
  },
  {
    "nr": 66,
    "payment": 1037.19
  },
  {
    "nr": 67,
    "payment": 1034.99
  },
  {
    "nr": 68,
    "payment": 1032.79
  },
  {
    "nr": 69,
    "payment": 1030.59
  },
  {
    "nr": 70,
    "payment": 1028.4
  },
  {
    "nr": 71,
    "payment": 1026.2
  },
  {
    "nr": 72,
    "payment": 1024
  },
  {
    "nr": 73,
    "payment": 1021.8
  },
  {
    "nr": 74,
    "payment": 1019.61
  },
  {
    "nr": 75,
    "payment": 1017.41
  },
  {
    "nr": 76,
    "payment": 1015.21
  },
  {
    "nr": 77,
    "payment": 1013.02
  },
  {
    "nr": 78,
    "payment": 1010.82
  },
  {
    "nr": 79,
    "payment": 1008.62
  },
  {
    "nr": 80,
    "payment": 1006.42
  },
  {
    "nr": 81,
    "payment": 1004.23
  },
  {
    "nr": 82,
    "payment": 1002.03
  },
  {
    "nr": 83,
    "payment": 999.83
  },
  {
    "nr": 84,
    "payment": 997.63
  },
  {
    "nr": 85,
    "payment": 995.44
  },
  {
    "nr": 86,
    "payment": 993.24
  },
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    "nr": 87,
    "payment": 991.04
  },
  {
    "nr": 88,
    "payment": 988.85
  },
  {
    "nr": 89,
    "payment": 986.65
  },
  {
    "nr": 90,
    "payment": 984.45
  },
  {
    "nr": 91,
    "payment": 982.25
  },
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    "nr": 92,
    "payment": 980.06
  },
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    "nr": 93,
    "payment": 977.86
  },
  {
    "nr": 94,
    "payment": 975.66
  },
  {
    "nr": 95,
    "payment": 973.46
  },
  {
    "nr": 96,
    "payment": 971.27
  },
  {
    "nr": 97,
    "payment": 969.07
  },
  {
    "nr": 98,
    "payment": 966.87
  },
  {
    "nr": 99,
    "payment": 964.68
  },
  {
    "nr": 100,
    "payment": 962.48
  },
  {
    "nr": 101,
    "payment": 960.28
  },
  {
    "nr": 102,
    "payment": 958.08
  },
  {
    "nr": 103,
    "payment": 955.89
  },
  {
    "nr": 104,
    "payment": 953.69
  },
  {
    "nr": 105,
    "payment": 951.49
  },
  {
    "nr": 106,
    "payment": 949.29
  },
  {
    "nr": 107,
    "payment": 947.1
  },
  {
    "nr": 108,
    "payment": 944.9
  },
  {
    "nr": 109,
    "payment": 942.7
  },
  {
    "nr": 110,
    "payment": 940.51
  },
  {
    "nr": 111,
    "payment": 938.31
  },
  {
    "nr": 112,
    "payment": 936.11
  },
  {
    "nr": 113,
    "payment": 933.91
  },
  {
    "nr": 114,
    "payment": 931.72
  },
  {
    "nr": 115,
    "payment": 929.52
  },
  {
    "nr": 116,
    "payment": 927.32
  },
  {
    "nr": 117,
    "payment": 925.12
  },
  {
    "nr": 118,
    "payment": 922.93
  },
  {
    "nr": 119,
    "payment": 920.73
  },
  {
    "nr": 120,
    "payment": 918.53
  },
  {
    "nr": 121,
    "payment": 916.34
  },
  {
    "nr": 122,
    "payment": 914.14
  },
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    "nr": 123,
    "payment": 911.94
  },
  {
    "nr": 124,
    "payment": 909.74
  },
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    "nr": 125,
    "payment": 907.55
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    "nr": 126,
    "payment": 905.35
  },
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    "payment": 903.15
  },
  {
    "nr": 128,
    "payment": 900.95
  },
  {
    "nr": 129,
    "payment": 898.76
  },
  {
    "nr": 130,
    "payment": 896.56
  },
  {
    "nr": 131,
    "payment": 894.36
  },
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    "nr": 132,
    "payment": 892.17
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    "payment": 889.97
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    "payment": 887.77
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    "payment": 885.57
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    "payment": 883.38
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    "payment": 881.18
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    "payment": 878.98
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  {
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    "payment": 876.78
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    "payment": 874.59
  },
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    "payment": 872.39
  },
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    "payment": 870.19
  },
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    "payment": 867.99
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    "payment": 865.8
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    "payment": 863.6
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    "payment": 861.4
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    "payment": 859.21
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    "payment": 857.01
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    "payment": 854.81
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    "payment": 852.61
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    "payment": 850.42
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    "payment": 848.22
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    "payment": 846.02
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    "payment": 843.82
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    "payment": 841.63
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    "payment": 839.43
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    "payment": 837.23
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    "payment": 835.04
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    "payment": 832.84
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    "payment": 830.64
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    "payment": 828.44
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    "payment": 826.25
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    "payment": 824.05
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    "payment": 821.85
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    "payment": 819.65
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    "payment": 817.46
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    "payment": 815.26
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    "payment": 813.06
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    "payment": 810.87
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    "payment": 808.67
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    "payment": 806.47
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    "payment": 797.68
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    "payment": 786.7
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    "payment": 784.5
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    "payment": 782.3
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    "payment": 780.1
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    "payment": 753.74
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    "payment": 740.55
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    "payment": 738.36
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    "payment": 736.16
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    "payment": 733.96
  },
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    "payment": 731.76
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    "payment": 729.57
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    "payment": 725.17
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    "payment": 722.97
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    "payment": 720.78
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  {
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    "payment": 718.58
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    "payment": 687.82
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    "payment": 641.67
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  },
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  },
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    "payment": 492.26
  },
  {
    "nr": 315,
    "payment": 490.06
  },
  {
    "nr": 316,
    "payment": 487.86
  },
  {
    "nr": 317,
    "payment": 485.67
  },
  {
    "nr": 318,
    "payment": 483.47
  },
  {
    "nr": 319,
    "payment": 481.27
  },
  {
    "nr": 320,
    "payment": 479.08
  },
  {
    "nr": 321,
    "payment": 476.88
  },
  {
    "nr": 322,
    "payment": 474.68
  },
  {
    "nr": 323,
    "payment": 472.48
  },
  {
    "nr": 324,
    "payment": 470.29
  },
  {
    "nr": 325,
    "payment": 468.09
  },
  {
    "nr": 326,
    "payment": 465.89
  },
  {
    "nr": 327,
    "payment": 463.69
  },
  {
    "nr": 328,
    "payment": 461.5
  },
  {
    "nr": 329,
    "payment": 459.3
  },
  {
    "nr": 330,
    "payment": 457.1
  },
  {
    "nr": 331,
    "payment": 454.91
  },
  {
    "nr": 332,
    "payment": 452.71
  },
  {
    "nr": 333,
    "payment": 450.51
  },
  {
    "nr": 334,
    "payment": 448.31
  },
  {
    "nr": 335,
    "payment": 446.12
  },
  {
    "nr": 336,
    "payment": 443.92
  },
  {
    "nr": 337,
    "payment": 441.72
  },
  {
    "nr": 338,
    "payment": 439.52
  },
  {
    "nr": 339,
    "payment": 437.33
  },
  {
    "nr": 340,
    "payment": 435.13
  },
  {
    "nr": 341,
    "payment": 432.93
  },
  {
    "nr": 342,
    "payment": 430.74
  },
  {
    "nr": 343,
    "payment": 428.54
  },
  {
    "nr": 344,
    "payment": 426.34
  },
  {
    "nr": 345,
    "payment": 424.14
  },
  {
    "nr": 346,
    "payment": 421.95
  },
  {
    "nr": 347,
    "payment": 419.75
  },
  {
    "nr": 348,
    "payment": 417.55
  },
  {
    "nr": 349,
    "payment": 415.35
  },
  {
    "nr": 350,
    "payment": 413.16
  },
  {
    "nr": 351,
    "payment": 410.96
  },
  {
    "nr": 352,
    "payment": 408.76
  },
  {
    "nr": 353,
    "payment": 406.57
  },
  {
    "nr": 354,
    "payment": 404.37
  },
  {
    "nr": 355,
    "payment": 402.17
  },
  {
    "nr": 356,
    "payment": 399.97
  },
  {
    "nr": 357,
    "payment": 397.78
  },
  {
    "nr": 358,
    "payment": 395.58
  },
  {
    "nr": 359,
    "payment": 393.38
  },
  {
    "nr": 360,
    "payment": 391.18
  },
  {
    "nr": 361,
    "payment": 388.99
  },
  {
    "nr": 362,
    "payment": 386.79
  },
  {
    "nr": 363,
    "payment": 384.59
  },
  {
    "nr": 364,
    "payment": 382.4
  },
  {
    "nr": 365,
    "payment": 380.2
  },
  {
    "nr": 366,
    "payment": 378
  },
  {
    "nr": 367,
    "payment": 375.8
  },
  {
    "nr": 368,
    "payment": 373.61
  },
  {
    "nr": 369,
    "payment": 371.41
  },
  {
    "nr": 370,
    "payment": 369.21
  },
  {
    "nr": 371,
    "payment": 367.01
  },
  {
    "nr": 372,
    "payment": 364.82
  },
  {
    "nr": 373,
    "payment": 362.62
  },
  {
    "nr": 374,
    "payment": 360.42
  },
  {
    "nr": 375,
    "payment": 358.23
  },
  {
    "nr": 376,
    "payment": 356.03
  },
  {
    "nr": 377,
    "payment": 353.83
  },
  {
    "nr": 378,
    "payment": 351.63
  },
  {
    "nr": 379,
    "payment": 349.44
  },
  {
    "nr": 380,
    "payment": 347.24
  },
  {
    "nr": 381,
    "payment": 345.04
  },
  {
    "nr": 382,
    "payment": 342.84
  },
  {
    "nr": 383,
    "payment": 340.65
  },
  {
    "nr": 384,
    "payment": 338.45
  },
  {
    "nr": 385,
    "payment": 336.25
  },
  {
    "nr": 386,
    "payment": 334.06
  },
  {
    "nr": 387,
    "payment": 331.86
  },
  {
    "nr": 388,
    "payment": 329.66
  },
  {
    "nr": 389,
    "payment": 327.46
  },
  {
    "nr": 390,
    "payment": 325.27
  },
  {
    "nr": 391,
    "payment": 323.07
  },
  {
    "nr": 392,
    "payment": 320.87
  },
  {
    "nr": 393,
    "payment": 318.67
  },
  {
    "nr": 394,
    "payment": 316.48
  },
  {
    "nr": 395,
    "payment": 314.28
  },
  {
    "nr": 396,
    "payment": 312.08
  },
  {
    "nr": 397,
    "payment": 309.89
  },
  {
    "nr": 398,
    "payment": 307.69
  },
  {
    "nr": 399,
    "payment": 305.49
  },
  {
    "nr": 400,
    "payment": 303.29
  },
  {
    "nr": 401,
    "payment": 301.1
  },
  {
    "nr": 402,
    "payment": 298.9
  },
  {
    "nr": 403,
    "payment": 296.7
  },
  {
    "nr": 404,
    "payment": 294.5
  },
  {
    "nr": 405,
    "payment": 292.31
  },
  {
    "nr": 406,
    "payment": 290.11
  },
  {
    "nr": 407,
    "payment": 287.91
  },
  {
    "nr": 408,
    "payment": 285.71
  },
  {
    "nr": 409,
    "payment": 283.52
  },
  {
    "nr": 410,
    "payment": 281.32
  },
  {
    "nr": 411,
    "payment": 279.12
  },
  {
    "nr": 412,
    "payment": 276.93
  },
  {
    "nr": 413,
    "payment": 274.73
  },
  {
    "nr": 414,
    "payment": 272.53
  },
  {
    "nr": 415,
    "payment": 270.33
  },
  {
    "nr": 416,
    "payment": 268.14
  },
  {
    "nr": 417,
    "payment": 265.94
  },
  {
    "nr": 418,
    "payment": 263.74
  },
  {
    "nr": 419,
    "payment": 261.54
  },
  {
    "nr": 420,
    "payment": 260.55
  },
];

const interestRateByYear = 5;
const interestRateByMonth = Math.pow(1 + (interestRateByYear / 100), 1 / 12) - 1;
/**
 *
 * @param {number} num Simple number to convert to currency (i.e.: 1234567890.12)
 * @return {string} The number formatted as a currency (i.e.: 1.234.567.890,12)
 */
const formatCurrency = num => num.toFixed(2).replace('.', ',').replace(/(\d)(?=(\d\d\d)+(?!\d))/g, "$1.");
/**
 *
 * @param {number} num A price as a simple number to convert to Real BR (i.e.: 1234567890.12)
 * @return {string} The number formatted as Real BR (i.e.: R$ 1.234.567.890,12)
 */
const formatBRL = priceInBRL => `R$ ${formatCurrency(priceInBRL)}`;

/**
 *
 * @param {number} maximumToSave Max of Real you can save by month
 * @param {Array<number>} initialPayments
 */
function savingAtLeast(maximumToSave, initialPayments) {
  const paymentsByMinimumValue = payments.reduce((allPayments, { payment }, index) => {
    if (index === 0) {
      return [payment];
    }

    const lastPayment = allPayments.pop();
    let currentPayment = lastPayment + payment;

    if (lastPayment >= maximumToSave || (lastPayment + payment) > maximumToSave) {
      allPayments.push(lastPayment);
      currentPayment = payment;
    }

    allPayments.push(currentPayment);
    return allPayments;
  }, initialPayments);
  const sumWithInterest = paymentsByMinimumValue.reduce((total, payment) =>
    total + (total * interestRateByMonth) + payment,
    0,
  );

  /// R$ 108.000,00 of loan from http://www8.caixa.gov.br/siopiinternet-web/simulaOperacaoInternet.do?method=inicializarCasoUso
  console.log(`\n\nSAVING AT LEAST ${formatBRL(maximumToSave)} IN ${paymentsByMinimumValue.length} INSTALLMENTS`)
  console.log(`${interestRateByYear}%/year = ${(interestRateByMonth * 100).toFixed(6)}%/month`)
  console.log(`sumWithInterest: ${sumWithInterest} -> ${formatBRL(sumWithInterest)}`)
}

savingAtLeast(0);
savingAtLeast(1500);
savingAtLeast(2000);
savingAtLeast(2500);
savingAtLeast(3000);
savingAtLeast(4000);
savingAtLeast(5000);