Documente Academic
Documente Profesional
Documente Cultură
Valores Cal.
J=
800
C=
5000
M=
1000
i=
n=
Frmula
J=C.i.n
C=M- J
M= C+ J
M= C+ C.i.n
M=C (1+i.n)
i=(J/C)/n
Vc=M- Dc
Vc=M- M.i.n
Vc=M.(1-i.n)
Desconto Raciocial
Desconto racional
Formulas
Dr=Vr.i.n
Vr=M- Dr
22452 Vr=M- Dr
26.82418 Vr=M/(1+i.n)
Vr=
C=
M=
i=
n=
0.083333333
1
21961.09
12
Titulos equivalentes
M=M.(1-i.n)/(1-i.n)
Formulas
M=
4414.77
M=
4200
i=
1.5
n=
n=
5
8
M*=M1.(1-i.n1)/(1-i.n*)+M2.(1-i.n2)/(1-i.n*)
Formulas2
M*=
M1=
M2=
n1=
n2=
n*=
i=
6340.88
2560
3440
2
5
8
1.2
Juros e capitalizao Composto
Valores Cal.
J=
C=
M=
Frmula
J=C.[(1+i)n-1]
5000 C=M- J
n
5800 M= C.(1+i)
Ano Comerc
Ano Civil = 365 dias
Juro ordinrio = juros com ano
Juro exato = juros com ano de
Resultado Formula
107.50
5800
5107.50
2.15 C=M/(1+i)
i=
5677.92
1/n
1 i=(M/C) -1
n=(log M-log C)/ log (1+i)
n=
0.16000000
6.98
Equivalencia de taxas
Frmula
iq=(1+it)q/t-1
Valores Cal.
Resultado Formula
0.0221045
Frmula
M=C.(1+i)n.(1+i.n1)
Valores Cal.
C=
i=
n=
n1=
800000
8.5
2
0.5
Resultado Formula
R$
dias
15
981,805.65
ms
30
C=
i=
n=
n1=
Conveno exponecial
Frmula
Valores Cal.
Resultado Formula M=
M=C.(1+i)
C=
i=
n=
n1=
R$
2,639,218.05
4.5
6
0.5
n+n1
dias
15
R$
3,513,428.83 i=
n=
ms
30
Taxas
Taxa informada, periodicidade de capitalizao proporcional no informada!
Juros acrescido da taxa um nica vez
No leva em conciderao os efeitos inflacionarios
Leva em conciderao os efeitos da inflao!
Nominal
Efetiva
Aparente
Real
Frmula
M=C.(1+i)n
Nominal
M=C.(1+i)
Efetiva
Aparente
Real
Frmula2
i2=i1.n2/n1
Frmula
Dc=M.[1-(1-i)n]
Dc=M- Vc
J=
C=
M=
i=
n=
2,639,218.05
4.5 Vc=M.(1-i)
6
2.235348333
12
i=(1+ia)/(1+I)-1
Valores Cal.
26.82418
2002144.89
Frmula
Valores Cal.
Desconto Raciocial
Resultado Formula
J=
C=
M=
Dr=M- Vc
n
2,639,218.05 Dr=M.(1-1/(1+i)
i=
2639218.05
612573.76
4.5
6 Vr=M/(1+i)
n=
2026644.29
Frmula
C=p.{(1+i)n-1/(1+i)n.i}
n
p=
0.00 p= prestao
1/n
3.3 i=(M/C) -1
10 n=fx NPER(excel)
M=p.(1+i)n-1/i
M=fx VF(excel)
i=
n=
M=
#DIV/0!
Vr=M/(1+i)n1+M/(1+i)n2....
Vr= fx PGTO (excel) =p
Vr=p
Renda Antecipada
Valores Cal.
Frmula
Tabela de multiplicadores
Resultado Formula N Parcelas
C=
4132.78 C=p.{(1+i)n-1/(1+i)n.i}.(1+i)
#DIV/0!
p=
14154.51 p=C/{(1+i)n-1/(1+i)n.i}.(1+i)
#DIV/0!
1/n
i=(M/C) -1
i=
n=
M=
36 n=fx NPER(excel)
10021.73 M=p.(1+i)n-1/i.(1+i)
M=fx VF(excel)
p= fx PGTO (excel) =Vr
Para trazer Valor ao instante zero:
n
22061.91 C=M/(1+i)
2.8
5
Renda Diferida (Carncia)
M=
i=
n=
Valores Cal.
C=
p=
1/n
i=(M/C) -1
i=
n=
M=
Carncia
nC=
Frmula
n
n
90000 C=p.{(1+i) -1/(1+i) .i}
p=C/{(1+i)n-1/(1+i)n.i}
24 n=fx NPER(excel)
n
1500 M=p.(1+i) -1/i.(1+i)
M=fx VF(excel)
p= fx PGTO (excel) =Vr
C=M/(1+i)n
1
0.02
-0.71
#DIV/0!
(R$ 509,562.36)
(R$ 114.80)
R$
19,216.64
Resultado Formula
#DIV/0!
#DIV/0!
-0.156839
#DIV/0!
#DIV/0!
R$ 0.00
(R$ 3,750.00)
#DIV/0!
Exemplo
3
4
5
6
7
i=
Ent=
C1=
C2=
1076.23
1,024.37121
C3=
1076.23
999.38654
C4=
1076.23
975.01126
C5=
1076.23
951.23050
C6=
0.00000
C7=
0.00000
C8=
0.00000
C9=
0.00000
C10=
0.00000
C11=
0.00000
C12=
R$
0.00000
4,999.98
i=
0 Ent=
1 C1=
2 C2=
3 C3=
4 C4=
5 C5=
6 C6=
7 C7=
8 C8=
9 C9=
10 C10=
11 C11=
12 C12=
360782.15
-14154.51 fx excel = TIR
-14154.51 fx excel = XTIR
-14154.51
-14154.51
-14154.51
-14154.51
-14154.51
-14154.51
-14154.51
-14154.51
-14154.51
-14154.51
-14154.51
-14154.51
-14154.51
-5.997001%
#NAME?
25-jan-08
26-jan-08
27-jan-08
28-jan-08
29-jan-08
30-jan-08
Frmula
Valores Cal.
C=
i=
M1=
M2=
M3=
M4=
M5=
59000
22
18000
18500
19200
20000
31200
Resultado Formula
-670.92
VPL=M1/(1+i)1+M2/(1+i)2+...+Mn/(1+i)n-C
Correo Monetria = CM
1
2
3
4
5
Valores Cal.
CM=
Frmula
Resultado Formula
DL=
C=
M=
n=
DL=
C=
M=
n=
i=
ou
DC=
C=
M=
n=
i=
Depreciao Linear = DL
9000 DL=C-M/n
88000 C=M+DL.n
8000 M=C-DL*n
10 n=(C-M)/DL
DL =fx excel = DPD
Depreciao com Taxa Constante
DL=C-M/n
88000 C=M+DL.n
8000 M=C-DL*n
n=(C-M)/DL
1/n
29.004697 i=(1-(M/C)
n=log(M/C)/log(1-i)
Depreciao com Capitalizao = DC
n
3676.03 DC=(C-M).i/(1+i) -1
66000
16000
4
10
8000
98000
-2000
8.888888889
R$ 8,000.00
#DIV/0!
8000
88000
#DIV/0!
#DIV/0!
7
10773.54
160000
Exemplo:
n
0
1
2
3
4
5
Valor a prazo
11439
Valor a vista
Entrada
9999
Capital
1999
8000
OBS:
M=C+J
5000
M=C/(1+i)n.(1+i.n1) R$
800000
8.5
2
0.5
dias
15
651,860.17
ms
30
652,402.54
8.5
2.5
porcional no informada!
Legenda
i1=Taxa conhecida
i2=taxa Desconhecida
n1=periodo da taxa conhecida
n2= periodo da taxa desconhecida
Legenda
C=valor capital ou atual
p= prestao
i= taxa de juros composto
n=numero de prestaes
Tabela de multiplicadores
Valor da prestao
1.03500
0.52640
0.35693
0.27225
0.22148
0.18767
0.16354
1.14806
1.14806
Taxa %
3.5
=M/C
2.5
400
0
Parcelas
400.00000
0.00000
1000
951.81440
1500
1,392.89912
2000
1,811.90129
501.66
443.39434
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
R$
0.00000
5,000.01
i=
0 Ent=
1 C1=
2 C2=
1.8
177.32
177.32
177.32000
174.18468
177.32
171.10479
3 C3=
4 C4=
177.32
168.07936
177.32
165.10743
5 C5=
6 C6=
177.32
162.18804
0.00000
7 C7=
8 C8=
0.00000
9 C9=
10 C10=
0.00000
11 C11=
12 C12=
0.00000
0.00000
0.00000
0.00000
R$ 1,017.98
Exemplo:
Depreciao
Valor
Juros acumulados
DC +Jurs acum.
total
residual
0.00
0.00
1077.35
2262.44
3566.04
5000.00
0.00
10773.54
11850.89
13035.98
14339.58
15773.54
0
10773.54
22624.43
35660.42
50000.00
65773.54
66000
55226.46
43375.57
30339.58
16000.00
226.46
Parcelas
0
1
2
3
4
5
6
7
8
9
10
11
12
Saldo mdio
154.10
Sm=i.(C.n+C.n+...+C*.n*)/n*
J i. Ck.nk
30
25 n1=
15400 n2=
n3=
n4=
n5=
n6=
n7=
n8=
n9=
n10=
n11=
n12=
n13=
n14=
n15=
n16=
n17=
n18=
n19=
n20=
n21=
n22=
n23=
n24=
n25=
n26=
n27=
n28=
n29=
n30=
4
10
100
154000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Sm
C1=
C2=
C3=
C4=
C5=
C6=
C7=
C8=
C9=
C10=
C11=
C12=
C13=
C14=
C15=
C16=
C17=
C18=
C19=
C20=
C21=
C22=
C23=
C24=
C25=
C26=
C27=
C28=
C29=
C30=
140000
920000
330000
210000
n1=
n2=
n3=
n4=
n5=
n6=
n7=
n8=
n9=
n10=
n11=
n12=
n13=
n14=
n15=
n16=
n17=
n18=
n19=
n20=
n21=
n22=
n23=
n24=
n25=
n26=
n27=
n28=
n29=
n30=
283,333.33
840000
1840000
3300000
2520000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Debentures
Unidades
Valor unitrio
% IR
Taxa mensal
Taxa reaplicao
Prazo de vencimento=
Investimento =
Juro Mensal=
Imposto de Renda =
Valor Liquido Mensal=
Juro total=
Valor Total=
2000
1000
27.5
1.2
1 =i
24 =n
R$ 2,000,000.00
R$
24,000.00
R$
6,600.00
R$
17,400.00 =p
n
R$ 469,338.29 M=p.(1+i) -1/i
R$ 2,469,338.29
Amortizao SFA
Legenda
M=
Montante
C= Capital
p= prestao
i= Taxa
n= Periodos
J= Juro
a= Amortizao
sd= saldo devedor
Parcelas convertidas para indexador de c
80,833.48
10
1.8
0
80833.48
8905.002619
80833.48
Correo
N da parcela
Valor da Parcela
0
Juros da parcela
Saldo Devedor
R$
90,000.00
R$
1,620.00
R$
91,620.00
R$
1,649.16
R$
93,269.16
R$
1,678.84
R$
94,948.00
R$
1,709.06
R$
96,657.07
R$
1,739.83
R$
98,396.90
R$
1,771.14
R$
100,168.04
R$
1,803.02
R$
101,971.07
R$
1,835.48
R$
103,806.54
R$
1,868.52
R$
105,675.06
10
R$
1,902.15
R$
107,577.21
Amortizao
(R$ 1,620.00)
(R$ 1,649.16)
(R$ 1,678.84)
(R$ 1,709.06)
(R$ 1,739.83)
(R$ 1,771.14)
(R$ 1,803.02)
(R$ 1,835.48)
(R$ 1,868.52)
(R$ 1,902.15)
(R$ 17,577.21) 01/01/06
Legenda
Formulas
p=a+J
J=i.sd
n
n
p=C/{(1+i) .i(1+i) -1}
n
M=C.(1+i)
Valor da Parcela
Juros da parcela
Saldo Devedor Amortizao N Parcela
-
80833.48302
Valor da Parcela
Juros da parcela
8905.00295
1455.00269
73383.48277
7450.00
R$ 9,924.63 R$
1,621.60
8905.00295
1320.90269
65799.38251
7584.10
R$ 9,950.45 R$
1,475.98
8905.00295
1184.38889
58078.76844
7720.61
R$ 9,970.04 R$
1,326.04
8905.00295
1045.41783
50219.18333
7859.59
R$ 9,994.98 R$
1,173.38
8905.00295
903.94530
42218.12568
8001.06
R$ 10,025.25 R$
1,017.66
8905.00295
759.92626
34073.04899
8145.08
R$ 10,051.08 R$
857.73
8905.00295
613.31488
25781.36092
8291.69
R$ 10,085.81 R$
694.64
8905.00295
464.06450
17340.42247
8440.94
R$ 10,112.52 R$
526.99
8905.00295
312.12760
8747.54712
8592.88
R$ 10,133.89 R$
355.20
8905.00295
157.45585
0.00002
8747.55
10
R$ 10,153.48 R$
179.53
80833.48
100402.13
Amortizao
R$
90,000.00
R$
81,785.89
R$
73,524.23
R$
65,024.99
R$
56,366.01
R$
47,529.17
R$
38,458.25
R$
29,199.97
R$
19,691.78
R$
9,954.71
R$
0.00
R$ 8,303.03
R$ 8,474.47
R$ 8,644.00
R$ 8,821.60
R$ 9,007.59
R$ 9,193.35
R$ 9,391.17
R$ 9,585.53
R$ 9,778.69
R$ 9,973.95
R$ 91,173.38