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["Mês","Juros Simples","Juros Compostos"]
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[84,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B84","v":104000},{"$f":"C84*(1+'Juros Simples x Compostos'!$I$5)","v":1204844.8275150764}]
[85,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B85","v":105000},{"$f":"C85*(1+'Juros Simples x Compostos'!$I$5)","v":1265087.0688908303}]
[86,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B86","v":106000},{"$f":"C86*(1+'Juros Simples x Compostos'!$I$5)","v":1328341.4223353718}]
[87,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B87","v":107000},{"$f":"C87*(1+'Juros Simples x Compostos'!$I$5)","v":1394758.4934521406}]
[88,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B88","v":108000},{"$f":"C88*(1+'Juros Simples x Compostos'!$I$5)","v":1464496.4181247477}]
[89,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B89","v":109000},{"$f":"C89*(1+'Juros Simples x Compostos'!$I$5)","v":1537721.2390309852}]
[90,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B90","v":110000},{"$f":"C90*(1+'Juros Simples x Compostos'!$I$5)","v":1614607.3009825344}]
[91,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B91","v":111000},{"$f":"C91*(1+'Juros Simples x Compostos'!$I$5)","v":1695337.6660316612}]
[92,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B92","v":112000},{"$f":"C92*(1+'Juros Simples x Compostos'!$I$5)","v":1780104.5493332443}]
[93,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B93","v":113000},{"$f":"C93*(1+'Juros Simples x Compostos'!$I$5)","v":1869109.7767999065}]
[94,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B94","v":114000},{"$f":"C94*(1+'Juros Simples x Compostos'!$I$5)","v":1962565.2656399019}]
[95,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B95","v":115000},{"$f":"C95*(1+'Juros Simples x Compostos'!$I$5)","v":2060693.5289218971}]
[96,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B96","v":116000},{"$f":"C96*(1+'Juros Simples x Compostos'!$I$5)","v":2163728.2053679922}]
[97,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B97","v":117000},{"$f":"C97*(1+'Juros Simples x Compostos'!$I$5)","v":2271914.615636392}]
[98,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B98","v":118000},{"$f":"C98*(1+'Juros Simples x Compostos'!$I$5)","v":2385510.3464182117}]
[99,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B99","v":119000},{"$f":"C99*(1+'Juros Simples x Compostos'!$I$5)","v":2504785.8637391222}]
[100,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B100","v":120000},{"$f":"C100*(1+'Juros Simples x Compostos'!$I$5)","v":2630025.1569260783}]
[101,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B101","v":121000},{"$f":"C101*(1+'Juros Simples x Compostos'!$I$5)","v":2761526.4147723825}]
[102,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B102","v":122000},{"$f":"C102*(1+'Juros Simples x Compostos'!$I$5)","v":2899602.7355110017}]
[103,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B103","v":123000},{"$f":"C103*(1+'Juros Simples x Compostos'!$I$5)","v":3044582.8722865521}]
[104,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B104","v":124000},{"$f":"C104*(1+'Juros Simples x Compostos'!$I$5)","v":3196812.0159008796}]
[105,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B105","v":125000},{"$f":"C105*(1+'Juros Simples x Compostos'!$I$5)","v":3356652.6166959237}]
[106,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B106","v":126000},{"$f":"C106*(1+'Juros Simples x Compostos'!$I$5)","v":3524485.2475307202}]
[107,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B107","v":127000},{"$f":"C107*(1+'Juros Simples x Compostos'!$I$5)","v":3700709.5099072563}]
[108,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B108","v":128000},{"$f":"C108*(1+'Juros Simples x Compostos'!$I$5)","v":3885744.9854026195}]
[109,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B109","v":129000},{"$f":"C109*(1+'Juros Simples x Compostos'!$I$5)","v":4080032.2346727508}]
[110,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B110","v":130000},{"$f":"C110*(1+'Juros Simples x Compostos'!$I$5)","v":4284033.8464063881}]
[111,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B111","v":131000},{"$f":"C111*(1+'Juros Simples x Compostos'!$I$5)","v":4498235.5387267079}]
[112,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B112","v":132000},{"$f":"C112*(1+'Juros Simples x Compostos'!$I$5)","v":4723147.3156630434}]
[113,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B113","v":133000},{"$f":"C113*(1+'Juros Simples x Compostos'!$I$5)","v":4959304.6814461956}]
[114,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B114","v":134000},{"$f":"C114*(1+'Juros Simples x Compostos'!$I$5)","v":5207269.9155185055}]
[115,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B115","v":135000},{"$f":"C115*(1+'Juros Simples x Compostos'!$I$5)","v":5467633.4112944314}]
[116,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B116","v":136000},{"$f":"C116*(1+'Juros Simples x Compostos'!$I$5)","v":5741015.0818591537}]
[117,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B117","v":137000},{"$f":"C117*(1+'Juros Simples x Compostos'!$I$5)","v":6028065.8359521115}]
[118,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B118","v":138000},{"$f":"C118*(1+'Juros Simples x Compostos'!$I$5)","v":6329469.1277497178}]
[119,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B119","v":139000},{"$f":"C119*(1+'Juros Simples x Compostos'!$I$5)","v":6645942.5841372041}]
[120,{"$f":"'Juros Simples x Compostos'!$I$6*'Juros Simples x Compostos'!$I$5+B120","v":140000},{"$f":"C120*(1+'Juros Simples x Compostos'!$I$5)","v":6978239.7133440645}]

{"sheet":"Fórmulas","index":3,"n_rows":20,"n_cols":6,"rows_kept":20,"cut":false,"hidden":true,"merged":[[1,4,1,5],[2,1,3,1],[4,1,5,1],[18,1,19,1],[1,1,1,2],[12,1,13,1],[14,1,16,1],[8,1,9,1],[7,4,14,4]]}
[]
[null,"CALCULADORA",null,null,"EQUIVALÊNCIA DE TAXAS"]
[null,"M = Montante (Bruto)","M = [Ci * (1 + i)^t]",null,"ip = Taxa Procurada","ip = [(1 + ic) ^ (tip / tic)] - 1"]
[null,null,"M = MA - S",null,"ic = Taxa Conhecida","ic = [(1 + ip) ^ (tic / tip)] - 1"]
[null,"MA = Montante + Aportes (Bruto)","MA = M + S",null,"tic = Tempo em meses da taxa conhecida","tic = [log(1 + ic) / log(1 + ip)] * tip"]
[null,null,"MA = [Ci * (1 + i)^t] + A * {[(1 + i)^t - 1] / [(1 + i) - 1]}",null,"tip = Tempo em meses da taxa desejada","tip = [log(1 + ip) / log(1 + ic)] * tip"]
[null,"ML = Montante (Líquido)","ML = M(Real)"]
[null,"MAL = Montante + Aportes (Líquido)","MAL = M(Real) + S(Real)",null,"Consulte aqui as fórmulas matemáticas utilizadas nos calculos da Calculadora Financeira"]
[null,"Ci = Capital Inicial","Ci = MA / (1 + i)^t - S"]
[null,null,"Ci = MA / (1 + i)^t - A * {[(1 + i)^t - 1] / [(1 + i) - 1]}"]
[null,"i = Taxa de Juros","i = [(MA - S) / Ci]^(1 / t) - 1"]
[null,"t = Tempo","t = log[(MA - S) / Ci] / log(1 + i)"]
[null,"A = Aporte","A = MA - [Ci * (1 + i)^t] / {[(1 + i)^t - 1] / [(1 + i) - 1]}"]
[null,null,"A = S / {[(1 + i)^t - 1] / [(1 + i) - 1]}"]
[null,"S = Aportes no tempo","S = A * {[(1 + i)^t - 1] / [(1 + i) - 1]}"]
[null,null,"S = MA - [Ci * (1 + i)^t]"]
[null,null,"S = MA - M"]
[null,"IFL = Inflação a cada intervalo de tempo",0]
[null,"iR = Taxa de Juros Real","iR = (1 + i) / (1 + IFL) - 1"]
[null,null,"iR = (1 + {[M / Ci]^(1 / t)} - 1) / (1 + IFL) - 1"]

{"sheet":"Calculadora Estendida","index":4,"n_rows":157,"n_cols":12,"rows_kept":157,"cut":false,"hidden":true,"merged":[[1,1,2,9],[5,11,10,14],[12,11,16,14],[18,11,23,14]]}
[]
[null,"Calculadora de investimentos a Juros Compostos - Estendida"]
[]
[]
[null,"Tempo ","Montante + Aportes (Bruto)","Montante + Aportes (Líquido)","Aporte (+) ou Saque (-)","Capital Inicial","Taxa de juros","Aportes e Saques no tempo","Montante Bruto","Taxa de Inflação"]
[null,0,0,0,0,2000,0,{"$f":"IF(E6=\"\",\"\",E6*(1+G6))","v":0},0,0,null,"Aqui é possível fazer estimativas com valores de Taxa de juros, Aporte ou Saque e Taxa de Inflação que mudam ao longo do tempo, além de poder visualizar a evolução do patrimônio a cada período de tempo"]
[null,{"$f":"B6+1","v":1},{"$f":"IFERROR(IF(G7=\"\",\"\",(F6+E7)*(1+G7)),\"\")","v":2029.9999999999998},{"$f":"IFERROR(IF(G7=\"\",\"\",(F6+E7)*((1+G7)/(1+J7))),\"\")","v":2029.9999999999998},null,null,1.4999999999999999E-2,{"$f":"IFERROR(IF(G7=\"\",\"\",(H6+E7)*(1+G7)),\"\")","v":0},{"$f":"IFERROR(IF(G7=\"\",\"\",(F6)*(1+G7)),\"\")","v":2029.9999999999998},0]
[null,{"$f":"B7+1","v":2},{"$f":"IFERROR(IF(G8=\"\",\"\",(C7+E8)*(1+G8)),\"\")","v":2060.4499999999994},{"$f":"IFERROR(IF(G8=\"\",\"\",(D7+E8)*((1+G8)/(1+J8))),\"\")","v":2060.4499999999994},null,null,1.4999999999999999E-2,{"$f":"IFERROR(IF(G8=\"\",\"\",(H7+E8)*(1+G8)),\"\")","v":0},{"$f":"IFERROR(IF(G8=\"\",\"\",(I7)*(1+G8)),\"\")","v":2060.4499999999994},0]
[null,3,2091.356749999999,2091.356749999999,null,null,1.4999999999999999E-2,0,2091.356749999999,0]
[null,4,2122.7271012499987,2122.7271012499987,null,null,1.4999999999999999E-2,0,2122.7271012499987,0]
[null,5,2154.5680077687484,2154.5680077687484,null,null,1.4999999999999999E-2,0,2154.5680077687484,0]
[null,6,2186.8865278852795,{"$f":"IFERROR(IF(G12=\"\",\"\",(D11+E12)*((1+G12)/(1+J12))),\"\")","v":2186.8865278852795},null,null,1.4999999999999999E-2,0,2186.8865278852795,0]
[null,7,2219.6898258035585,{"$f":"IFERROR(IF(G13=\"\",\"\",(D12+E13)*((1+G13)/(1+J13))),\"\")","v":2219.6898258035585},null,null,1.4999999999999999E-2,0,2219.6898258035585,0,null,"Altere somente os valores para Taxa de Juros, Capital Inicial, Aporte ou Saque e Taxa de Inflação"]
[null,8,2252.9851731906115,2252.9851731906115,null,null,1.4999999999999999E-2,0,2252.9851731906115,0]
[null,9,2286.7799507884706,2286.7799507884706,null,null,1.4999999999999999E-2,0,2286.7799507884706,0]
[null,10,2321.0816500502974,2321.0816500502974,null,null,1.4999999999999999E-2,0,2321.0816500502974,0]
[null,11,2355.8978748010518,2355.8978748010518,null,null,1.4999999999999999E-2,0,2355.8978748010518,0]
[null,12,2391.2363429230672,2391.2363429230672,null,null,1.4999999999999999E-2,0,2391.2363429230672,0]
[null,13,{"$f":"IFERROR(IF(G19=\"\",\"\",(C18+E19)*(1+G19)),\"\")","v":2427.1048880669132},{"$f":"IFERROR(IF(G19=\"\",\"\",(D18+E19)*((1+G19)/(1+J19))),\"\")","v":2427.1048880669132},null,null,1.4999999999999999E-2,{"$f":"IFERROR(IF(G19=\"\",\"\",(H18+E19)*(1+G19)),\"\")","v":0},{"$f":"IFERROR(IF(G19=\"\",\"\",(I18)*(1+G19)),\"\")","v":2427.1048880669132},0,null,"Com exceção do Capital Inicial deixe sempre a primeira linha (Tempo 0) em branco, pois representa a situação inicial"]
[null,14,2463.5114613879168,2463.5114613879168,null,null,1.4999999999999999E-2,0,2463.5114613879168,0]
[null,15,2500.4641333087352,2500.4641333087352,null,null,1.4999999999999999E-2,0,2500.4641333087352,0]
[null,16,2537.9710953083659,2537.9710953083659,null,null,1.4999999999999999E-2,0,2537.9710953083659,0]
[null,17,2576.0406617379913,2576.0406617379913,null,null,1.4999999999999999E-2,0,2576.0406617379913,0]
[null,18,2614.6812716640611,2614.6812716640611,null,null,1.4999999999999999E-2,0,2614.6812716640611,0]
[null,19,{"$f":"IFERROR(IF(G25=\"\",\"\",(C24+E25)*(1+G25)),\"\")","v":2653.9014907390219},{"$f":"IFERROR(IF(G25=\"\",\"\",(D24+E25)*((1+G25)/(1+J25))),\"\")","v":2653.9014907390219},null,null,1.4999999999999999E-2,{"$f":"IFERROR(IF(G25=\"\",\"\",(H24+E25)*(1+G25)),\"\")","v":0},{"$f":"IFERROR(IF(G25=\"\",\"\",(I24)*(1+G25)),\"\")","v":2653.9014907390219},0]
[null,20,2693.7100131001071,2693.7100131001071,null,null,1.4999999999999999E-2,0,2693.7100131001071,0]
[null,21,1414.6156632966085,1414.6156632966085,-1300,null,1.4999999999999999E-2,-1319.4999999999998,2734.1156632966085,0]
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[null,{"$f":"B71+1","v":66},{"$f":"IFERROR(IF(G72=\"\",\"\",(C71+E72)*(1+G72)),\"\")","v":""},"",null,null,null,{"$f":"IFERROR(IF(G72=\"\",\"\",(H71+E72)*(1+G72)),\"\")","v":""},{"$f":"IFERROR(IF(G72=\"\",\"\",(I71)*(1+G72)),\"\")","v":""}]
[null,67,"","",null,null,null,"",""]
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[]
[null,null,"Sistema PRICE",null,null,null,"Sistema SAC"]
[null,null,"Total Financiado",null,"Taxa de Juros","N de parcelas","Total Financiado",null,"Taxa de Juros","N de parcelas"]
[null,null,9000,null,0.02,50,9000,null,0.02,50]
[null,null,"Parcela","Amortização","Juros","Saldo Devedor","Parcela","Amortização","Juros","Saldo Devedor"]
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[null,8,286.40888733326915,122.2303637902333,164.17852354303585,8086.695813361559,334.8,180,154.80000000000001,7560,null,"Sistema SAC apresenta amortizações constantes no tempo, parcelas inicialmente mais altas, porém acaba-se pagando menos juros"]
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[]
[null,"Glossário"]
[null,"Amortização"]
[null,null,"É a redução de dívida por meio de pagamento parcial ou gradual acertado entre as partes.\nÉ um processo de extinção de uma dívida através de pagamentos periódicos, que são realizados em função de um planejamento, de modo que cada prestação corresponde à soma do reembolso do capital ou do pagamento dos juros do saldo devedor, podendo ser o reembolso de ambos, sendo que os juros são sempre calculados sobre o saldo devedor."]
[]
[]
[]
[]
[null,"Aporte"]
[null,null,"Significa subsídio, contribuição. É um termo muito utilizado no meio empresarial. Aporte é mais usado como uma contribuição financeira, um dinheiro ou uma ajuda utilizada para um determinado fim."]
[]
[null,"Capital Inicial"]
[null,null,"É a quantia em dinheiro que se possui no momento que se inicia um investimento."]
[null,"Equivalência de Taxas"]
[null,null,"São taxas que quando aplicadas ao mesmo capital, num mesmo intervalo de tempo, produzem montantes iguais, porém estão em tempo diferentes. Exemplo taxa ao ano e taxa ao mês."]
[]
[null,"Inflação"]
[null,null,"É um conceito que designa o aumento continuado e generalizado dos preços dos bens e serviço. Também pode ser entendido como a perda do poder de compra de uma moeda."]
[]
[null,"Juros Compostos"]
[null,null,"Juros sobre juros.\nOs juros de cada período são somados ao capital para o cálculo de novos juros nos períodos seguintes. Nesse caso, o valor da dívida é sempre corrigida e a taxa de juros é calculada sobre esse valor."]
[]
[]
[null,"Juros Simples"]
[null,null,"A taxa de juros é aplicada sobre o principal (valor emprestado ou capital inicial) de forma linear, ou seja, não considera que o saldo da dívida aumenta ou diminui conforme o passar do tempo."]
[]
[null,"Montante Bruto"]
[null,null,"É a quantia em dinheiro que se possui após a incidência de juros sobre o capital inicial antes do desconto da inflação e impostos."]
[]
[null,"Montante Líquido"]
[null,null,"É a quantia em dinheiro que se possui após a incidência de juros sobre o capital inicial após o desconto da inflação e impostos."]
[]
[null,"Sistema de Pagamento"]
[null,null,"Também conhecido como Sistema de Amortização, é um metodo utilizado para se calcula o pagamento de dívidas entre credor e devedor."]
[]
[null,"Taxa de Juros"]
[null,null,"É o preço do dinheiro no tempo."]
[null,"Taxa de Juros Real"]
[null,null,"É a taxa de juros já descontado o efeito da inflação."]