diff --git a/manager/components/Finance.tsx b/manager/components/Finance.tsx
index 08671a7..d72b32d 100644
--- a/manager/components/Finance.tsx
+++ b/manager/components/Finance.tsx
@@ -1189,6 +1189,20 @@ const Finance: React.FC<FinanceProps> = ({ data, updateData }) => {
                                 const valorPago = Number((payment as any).valor_pago || 0);
                                 const discount = Number(payment.discount || 0);
 
+                                let additions = 0;
+                                const isOverdue = ['overdue', 'atrasado'].includes((payment.status || '').toLowerCase());
+                                if (!isPaid && isOverdue && payment.dueDate) {
+                                  const dd = new Date(payment.dueDate + 'T00:00:00');
+                                  const tt = new Date(); tt.setHours(0,0,0,0);
+                                  if (tt > dd) {
+                                    const baseA = payment.amount - discount;
+                                    const dDays = Math.ceil((tt.getTime() - dd.getTime()) / 86400000);
+                                    const fineAmt = baseA * ((Number(payment.lateFee) || 2) / 100);
+                                    const intAmt = baseA * (((Number(payment.interest) || 1) / 30) / 100) * dDays;
+                                    additions = fineAmt + intAmt;
+                                  }
+                                }
+
                                 if (isPaid) {
                                   const displayValue = valorPago > 0 ? valorPago : (payment.amount - discount);
                                   return (
@@ -1200,13 +1214,18 @@ const Finance: React.FC<FinanceProps> = ({ data, updateData }) => {
                                   return (
                                     <>
                                       <div className="font-bold text-slate-700 text-sm">
-                                        R$ {payment.amount.toLocaleString('pt-BR', { minimumFractionDigits: 2 })}
+                                        R$ {(payment.amount + additions).toLocaleString('pt-BR', { minimumFractionDigits: 2 })}
                                       </div>
                                       {discount > 0 && (
                                         <div className="text-[10px] text-emerald-600 font-bold">
                                           - R$ {discount.toLocaleString('pt-BR', { minimumFractionDigits: 2 })}
                                         </div>
                                       )}
+                                      {additions > 0 && (
+                                        <div className="text-[10px] text-red-500 font-bold">
+                                          + R$ {additions.toLocaleString('pt-BR', { minimumFractionDigits: 2 })} (Juros/Multa)
+                                        </div>
+                                      )}
                                     </>
                                   );
                                 }
@@ -1286,6 +1305,20 @@ const Finance: React.FC<FinanceProps> = ({ data, updateData }) => {
                           const isPaid = ['paid', 'pago', 'received', 'confirmed'].includes((payment.status || '').toLowerCase());
                           const valorPago = Number((payment as any).valor_pago || 0);
                           const discount = Number(payment.discount || 0);
+                          
+                          let additions = 0;
+                          const isOverdue = ['overdue', 'atrasado'].includes((payment.status || '').toLowerCase());
+                          if (!isPaid && isOverdue && payment.dueDate) {
+                            const dd = new Date(payment.dueDate + 'T00:00:00');
+                            const tt = new Date(); tt.setHours(0,0,0,0);
+                            if (tt > dd) {
+                              const baseA = payment.amount - discount;
+                              const dDays = Math.ceil((tt.getTime() - dd.getTime()) / 86400000);
+                              const fineAmt = baseA * ((Number(payment.lateFee) || 2) / 100);
+                              const intAmt = baseA * (((Number(payment.interest) || 1) / 30) / 100) * dDays;
+                              additions = fineAmt + intAmt;
+                            }
+                          }
 
                           if (isPaid) {
                             const displayValue = valorPago > 0 ? valorPago : (payment.amount - discount);
@@ -1298,13 +1331,18 @@ const Finance: React.FC<FinanceProps> = ({ data, updateData }) => {
                             return (
                               <>
                                 <div className="font-black text-slate-900 text-sm">
-                                  R$ {payment.amount.toLocaleString('pt-BR', { minimumFractionDigits: 2 })}
+                                  R$ {(payment.amount + additions).toLocaleString('pt-BR', { minimumFractionDigits: 2 })}
                                 </div>
                                 {discount > 0 && (
                                   <div className="text-[10px] text-emerald-600 font-bold">
                                     - R$ {discount.toLocaleString('pt-BR', { minimumFractionDigits: 2 })}
                                   </div>
                                 )}
+                                {additions > 0 && (
+                                  <div className="text-[10px] text-red-500 font-bold mt-0.5">
+                                    + R$ {additions.toLocaleString('pt-BR', { minimumFractionDigits: 2 })} (Multa/Juros)
+                                  </div>
+                                )}
                               </>
                             );
                           }
diff --git a/portal/src/pages/Financeiro.tsx b/portal/src/pages/Financeiro.tsx
index 0df5b03..096a68b 100644
--- a/portal/src/pages/Financeiro.tsx
+++ b/portal/src/pages/Financeiro.tsx
@@ -163,8 +163,22 @@ export default function Financeiro() {
     // Se está pago mas o banco ainda não sincronizou o valor_pago (fallback)
     if (isPaid) return payment.amount - (payment.discount || 0);
 
-    // Se está pendente ou atrasado, mostramos o que falta pagar (Líquido esperado)
-    return payment.amount - (payment.discount || 0);
+    const baseAmount = payment.amount - (payment.discount || 0);
+    
+    // Simulação Matemática de Atraso
+    if (status === 'overdue' && payment.dueDate) {
+       const dd = new Date(payment.dueDate + 'T00:00:00');
+       const tt = new Date(); tt.setHours(0,0,0,0);
+       if (tt > dd) {
+          const dDays = Math.ceil((tt.getTime() - dd.getTime()) / 86400000);
+          const fineAmt = baseAmount * ((Number(payment.lateFee) || 2) / 100);
+          const intAmt = baseAmount * (((Number(payment.interest) || 1) / 30) / 100) * dDays;
+          return baseAmount + fineAmt + intAmt;
+       }
+    }
+
+    // Se está pendente ou atrasado sem juros aplicáveis, mostramos o líquido esperado
+    return baseAmount;
   };
 
   const totalPending = payments