SistemasDeAmortizacao_3 0

Prévia do material em texto

Painel_central
Universo Administração
https://universoadministracao.com/Desenvolvida por Jorge Abrão
https://universoadministracao.com/Sistemas de Amortização 3.0
https://universoadministracao.com/2019/05/21/price-sac-sal-gauss-majs-hamburgues-e-sac-js-420-meses/Última atualização 07/06/2022
Painel Central
Painel Central
Dados
/xl/drawings/drawing1.xml#Dados!A1Não periódicas
/xl/drawings/drawing1.xml#NaoPeriodicas!A1SACRE
/xl/drawings/drawing1.xml#SACRE!A1SAC-JS
/xl/drawings/drawing1.xml#'SAC-JS'!A1Gauss
/xl/drawings/drawing1.xml#Gauss!A1SAL
/xl/drawings/drawing1.xml#SAL!A1PRICE
/xl/drawings/drawing1.xml#PRICE!A1SAC
/xl/drawings/drawing1.xml#SAC!A1MAJS
/xl/drawings/drawing1.xml#MAJS!A1Comparativo
/xl/drawings/drawing1.xml#Comparativo!A1Explicação Sistemas
https://universoadministracao.com/2020/07/23/explicando-os-sistemas-de-amortizacao-price-sac-juros-simples-metodo-gauss-anatocismo/Cálculo do VP e VF
/xl/drawings/drawing1.xml#VP_VF!A1Balões
/xl/drawings/drawing1.xml#Painel_baloes!A1Índices econômicos
/xl/drawings/drawing1.xml#Painel_indices!A1Carência
/xl/drawings/drawing1.xml#Painel_CARENCIA!A1Encargos
/xl/drawings/drawing1.xml#Encargos!A1*As planilhas protegidas não possuem senha
Mostrar guia
Ocultar guia
Dados
		Valor		454,247.52
		Taxa		4.14%		ao mês	4.14%
		Taxa Conv.
Jorge A: Taxa convertida		62.71%
Jorge A: Conversão da taxa mensal para anual usando a fórmula de taxa equivalente. Se estiver marcado taxa anual, então será convertido para mensal		ao ano
		Prazo		53		Meses
Jorge A: A planilha está configurada para o prazo em meses, caso queira em anos ou outro período, é só colocar a taxa do período desejado. Exemplo: Eu tenho a taxa 15% a.a. (ao ano) e quero calcular com o prazo em 10 anos, então coloque a taxa 15 no campo taxa (deixe o campo ao lado em "ao mês") e coloque 10 no campo prazo.
Dados
Painel Central
Painel Central
/xl/drawings/drawing2.xml#Painel_central!A1Dados
Comparativo
/xl/drawings/drawing2.xml#Comparativo!A1
Comparativo
		Sistema	1º Parcela	Última Parcela	Total de Juros	Total Pago
		PRICE	21,285.25	21,285.25	673,870.83	1,128,118.35
		SAC
Jorge A: Também conhecido como método Hamburguês, conforme é falado na postagem	27,376.56	8,925.54	507,757.88	962,005.40
		MAJS
Jorge A: Método de amortização a juros simples, também conhecido como método Hamburguês, conforme é falado na postagem do BLOG.	8,925.54	27,376.56	507,757.88	962,005.40
		SAL
Jorge A: Sistema de Amortização Linear (Juros Simples)	16,392.17	16,392.17	414,537.32	868,784.84
		Gauss	13,184.62	13,184.62	244,537.60	698,785.12
		SAC-JC
Jorge A: Sistema de Amortização constante a Juros Simples	16,293.21	8,716.42	208,507.67	662,755.19
		SACRE	27,376.56	2,571.24	446,145.19	900,392.71
		N. Periódicas
Jorge A: Séries não periódicas	21,492.98	21,492.98	684,880.51	1,139,128.03
Comparativo entre os sistemas
Painel Central
Painel Central
/xl/drawings/drawing3.xml#Painel_central!A1Dados
/xl/drawings/drawing3.xml#Dados!A1Comparativo
PRICE
		Nº	Prestação	Juros	Amortização	Saldo Devedor
		0				454,247.52
		1	21,285.25	18,805.85	2,479.40	451,768.12
		2	21,285.25	18,703.20	2,582.05	449,186.06
		3	21,285.25	18,596.30	2,688.95	446,497.11
		4	21,285.25	18,484.98	2,800.27	443,696.84
		5	21,285.25	18,369.05	2,916.20	440,780.64
		6	21,285.25	18,248.32	3,036.93	437,743.71
		7	21,285.25	18,122.59	3,162.66	434,581.04
		8	21,285.25	17,991.66	3,293.60	431,287.45
		9	21,285.25	17,855.30	3,429.95	427,857.50
		10	21,285.25	17,713.30	3,571.95	424,285.54
		11	21,285.25	17,565.42	3,719.83	420,565.71
		12	21,285.25	17,411.42	3,873.83	416,691.88
		13	21,285.25	17,251.04	4,034.21	412,657.67
		14	21,285.25	17,084.03	4,201.22	408,456.45
		15	21,285.25	16,910.10	4,375.15	404,081.30
		16	21,285.25	16,728.97	4,556.29	399,525.01
		17	21,285.25	16,540.34	4,744.92	394,780.09
		18	21,285.25	16,343.90	4,941.36	389,838.74
		19	21,285.25	16,139.32	5,145.93	384,692.81
		20	21,285.25	15,926.28	5,358.97	379,333.84
		21	21,285.25	15,704.42	5,580.83	373,753.01
		22	21,285.25	15,473.37	5,811.88	367,941.13
		23	21,285.25	15,232.76	6,052.49	361,888.64
		24	21,285.25	14,982.19	6,303.06	355,585.58
		25	21,285.25	14,721.24	6,564.01	349,021.57
		26	21,285.25	14,449.49	6,835.76	342,185.81
		27	21,285.25	14,166.49	7,118.76	335,067.05
		28	21,285.25	13,871.78	7,413.48	327,653.58
		29	21,285.25	13,564.86	7,720.39	319,933.18
		30	21,285.25	13,245.23	8,040.02	311,893.16
		31	21,285.25	12,912.38	8,372.88	303,520.29
		32	21,285.25	12,565.74	8,719.51	294,800.78
		33	21,285.25	12,204.75	9,080.50	285,720.28
		34	21,285.25	11,828.82	9,456.43	276,263.84
		35	21,285.25	11,437.32	9,847.93	266,415.91
		36	21,285.25	11,029.62	10,255.63	256,160.28
		37	21,285.25	10,605.04	10,680.22	245,480.07
		38	21,285.25	10,162.87	11,122.38	234,357.69
		39	21,285.25	9,702.41	11,582.84	222,774.84
		40	21,285.25	9,222.88	12,062.37	210,712.47
		41	21,285.25	8,723.50	12,561.76	198,150.72
		42	21,285.25	8,203.44	13,081.81	185,068.90
		43	21,285.25	7,661.85	13,623.40	171,445.50
		44	21,285.25	7,097.84	14,187.41	157,258.10
		45	21,285.25	6,510.49	14,774.77	142,483.33
		46	21,285.25	5,898.81	15,386.44	127,096.89
		47	21,285.25	5,261.81	16,023.44	111,073.45
		48	21,285.25	4,598.44	16,686.81	94,386.63
		49	21,285.25	3,907.61	17,377.65	77,008.99
		50	21,285.25	3,188.17	18,097.08	58,911.91
		51	21,285.25	2,438.95	18,846.30	40,065.61
		52	21,285.25	1,658.72	19,626.54	20,439.07
		53	21,285.25	846.18	20,439.07	0.00
		54		0.00		
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Tabela PRICE
Painel Central
Painel Central
/xl/drawings/drawing4.xml#Painel_central!A1Dados
/xl/drawings/drawing4.xml#Dados!A1Comparativo
/xl/drawings/drawing4.xml#Comparativo!A1
SAC
		Nº	Prestação	Juros	Amortização	Saldo Devedor
		0				454,247.52
		1	27,376.56	18,805.85	8,570.71	445,676.81
		2	27,021.73	18,451.02	8,570.71	437,106.10
		3	26,666.90	18,096.19	8,570.71	428,535.40
		4	26,312.07	17,741.37	8,570.71	419,964.69
		5	25,957.25	17,386.54	8,570.71	411,393.98
		6	25,602.42	17,031.71	8,570.71	402,823.27
		7	25,247.59	16,676.88	8,570.71	394,252.56
		8	24,892.76	16,322.06	8,570.71	385,681.86
		9	24,537.94	15,967.23	8,570.71	377,111.15
		10	24,183.11	15,612.40	8,570.71	368,540.44
		11	23,828.28	15,257.57	8,570.71	359,969.73
		12	23,473.45	14,902.75	8,570.71	351,399.02
		13	23,118.63	14,547.92	8,570.71	342,828.32
		14	22,763.80	14,193.09	8,570.71	334,257.61
		15	22,408.97	13,838.27	8,570.71	325,686.90
		16	22,054.15	13,483.44	8,570.71	317,116.19
		17	21,699.32	13,128.61	8,570.71	308,545.49
		18	21,344.49	12,773.78	8,570.71	299,974.78
		19	20,989.66	12,418.96	8,570.71	291,404.07
		20	20,634.84	12,064.13	8,570.71	282,833.36
		21	20,280.01	11,709.30	8,570.71	274,262.65
		22	19,925.18	11,354.47	8,570.71	265,691.95
		23	19,570.35	10,999.65	8,570.71	257,121.24
		24	19,215.53	10,644.82	8,570.71	248,550.53
		25	18,860.70	10,289.99	8,570.71	239,979.82
		26	18,505.87	9,935.16	8,570.71	231,409.11
		27	18,151.05	9,580.34	8,570.71	222,838.41
		28	17,796.22	9,225.51	8,570.71	214,267.70
		29	17,441.39	8,870.68	8,570.71	205,696.99
		30	17,086.56	8,515.86	8,570.71	197,126.28
		31	16,731.74	8,161.03	8,570.71	188,555.57
		32	16,376.91	7,806.20	8,570.71	179,984.87
		33	16,022.08	7,451.37	8,570.71	171,414.16
		34	15,667.25	7,096.55	8,570.71	162,843.45
		35	15,312.43	6,741.72	8,570.71	154,272.74
		36	14,957.60	6,386.89	8,570.71	145,702.03
		37	14,602.77	6,032.06	8,570.71	137,131.33
		38	14,247.94	5,677.24	8,570.71	128,560.62
		39	13,893.12	5,322.41	8,570.71	119,989.91
		40	13,538.29	4,967.58	8,570.71	111,419.20
		41	13,183.46	4,612.76	8,570.71	102,848.50
		42	12,828.64	4,257.93	8,570.71	94,277.79
		43	12,473.81	3,903.10	8,570.71	85,707.08
		44	12,118.98	3,548.27	8,570.71	77,136.37
		45	11,764.15	3,193.45	8,570.71	68,565.66
		46	11,409.33	2,838.62	8,570.71	59,994.96
		47	11,054.50	2,483.79	8,570.71	51,424.25
		48	10,699.67	2,128.96	8,570.71	42,853.54
		49	10,344.84	1,774.14	8,570.71	34,282.83
		50	9,990.02	1,419.31	8,570.71	25,712.12
		51	9,635.19	1,064.48	8,570.71	17,141.42
		52	9,280.36	709.65	8,570.71	8,570.71
		53	8,925.54	354.83	8,570.71	0.00
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SAC (Sistema de amortização constante)
Painel Central
Painel Central
/xl/drawings/drawing5.xml#Painel_central!A1Dados
/xl/drawings/drawing5.xml#Dados!A1Comparativo
/xl/drawings/drawing5.xml#Comparativo!A1
MAJS
		Nº	Saldo Principal	Juros a Receber	Amortização	Juros da Prestação	Prestação	Saldo Devedor
		0	454,247.52
		1	445,676.81	18,451.02	8,570.71	354.83	8,925.54	464,127.83
		2	437,106.10	18,096.19	8,570.71	709.65	9,280.36	455,202.30
		3	428,535.40	17,741.37	8,570.71	1,064.48	9,635.19	446,276.76
		4	419,964.69	17,386.54	8,570.71	1,419.31	9,990.02	437,351.23
		5	411,393.98	17,031.71	8,570.71	1,774.14	10,344.84	428,425.69
		6	402,823.27	16,676.88	8,570.71	2,128.96	10,699.67	419,500.16
		7	394,252.56	16,322.06	8,570.71	2,483.79	11,054.50	410,574.62
		8	385,681.86	15,967.23	8,570.71	2,838.62	11,409.33	401,649.099	377,111.15	15,612.40	8,570.71	3,193.45	11,764.15	392,723.55
		10	368,540.44	15,257.57	8,570.71	3,548.27	12,118.98	383,798.02
		11	359,969.73	14,902.75	8,570.71	3,903.10	12,473.81	374,872.48
		12	351,399.02	14,547.92	8,570.71	4,257.93	12,828.64	365,946.94
		13	342,828.32	14,193.09	8,570.71	4,612.76	13,183.46	357,021.41
		14	334,257.61	13,838.27	8,570.71	4,967.58	13,538.29	348,095.87
		15	325,686.90	13,483.44	8,570.71	5,322.41	13,893.12	339,170.34
		16	317,116.19	13,128.61	8,570.71	5,677.24	14,247.94	330,244.80
		17	308,545.49	12,773.78	8,570.71	6,032.06	14,602.77	321,319.27
		18	299,974.78	12,418.96	8,570.71	6,386.89	14,957.60	312,393.73
		19	291,404.07	12,064.13	8,570.71	6,741.72	15,312.43	303,468.20
		20	282,833.36	11,709.30	8,570.71	7,096.55	15,667.25	294,542.66
		21	274,262.65	11,354.47	8,570.71	7,451.37	16,022.08	285,617.13
		22	265,691.95	10,999.65	8,570.71	7,806.20	16,376.91	276,691.59
		23	257,121.24	10,644.82	8,570.71	8,161.03	16,731.74	267,766.06
		24	248,550.53	10,289.99	8,570.71	8,515.86	17,086.56	258,840.52
		25	239,979.82	9,935.16	8,570.71	8,870.68	17,441.39	249,914.99
		26	231,409.11	9,580.34	8,570.71	9,225.51	17,796.22	240,989.45
		27	222,838.41	9,225.51	8,570.71	9,580.34	18,151.05	232,063.92
		28	214,267.70	8,870.68	8,570.71	9,935.16	18,505.87	223,138.38
		29	205,696.99	8,515.86	8,570.71	10,289.99	18,860.70	214,212.85
		30	197,126.28	8,161.03	8,570.71	10,644.82	19,215.53	205,287.31
		31	188,555.57	7,806.20	8,570.71	10,999.65	19,570.35	196,361.78
		32	179,984.87	7,451.37	8,570.71	11,354.47	19,925.18	187,436.24
		33	171,414.16	7,096.55	8,570.71	11,709.30	20,280.01	178,510.70
		34	162,843.45	6,741.72	8,570.71	12,064.13	20,634.84	169,585.17
		35	154,272.74	6,386.89	8,570.71	12,418.96	20,989.66	160,659.63
		36	145,702.03	6,032.06	8,570.71	12,773.78	21,344.49	151,734.10
		37	137,131.33	5,677.24	8,570.71	13,128.61	21,699.32	142,808.56
		38	128,560.62	5,322.41	8,570.71	13,483.44	22,054.15	133,883.03
		39	119,989.91	4,967.58	8,570.71	13,838.27	22,408.97	124,957.49
		40	111,419.20	4,612.76	8,570.71	14,193.09	22,763.80	116,031.96
		41	102,848.50	4,257.93	8,570.71	14,547.92	23,118.63	107,106.42
		42	94,277.79	3,903.10	8,570.71	14,902.75	23,473.45	98,180.89
		43	85,707.08	3,548.27	8,570.71	15,257.57	23,828.28	89,255.35
		44	77,136.37	3,193.45	8,570.71	15,612.40	24,183.11	80,329.82
		45	68,565.66	2,838.62	8,570.71	15,967.23	24,537.94	71,404.28
		46	59,994.96	2,483.79	8,570.71	16,322.06	24,892.76	62,478.75
		47	51,424.25	2,128.96	8,570.71	16,676.88	25,247.59	53,553.21
		48	42,853.54	1,774.14	8,570.71	17,031.71	25,602.42	44,627.68
		49	34,282.83	1,419.31	8,570.71	17,386.54	25,957.25	35,702.14
		50	25,712.12	1,064.48	8,570.71	17,741.37	26,312.07	26,776.61
		51	17,141.42	709.65	8,570.71	18,096.19	26,666.90	17,851.07
		52	8,570.71	354.83	8,570.71	18,451.02	27,021.73	8,925.54
		53	0.00	0.00	8,570.71	18,805.85	27,376.56	0.00
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Método de amortização a juros simples (MAJS)
Painel Central
Painel Central
/xl/drawings/drawing6.xml#Painel_central!A1Dados
/xl/drawings/drawing6.xml#Dados!A1Comparativo
/xl/drawings/drawing6.xml#Comparativo!A1
SAL
		Nº	n.i	1+ni	1/(1+ni)	S(1/(1+ni))-¹	Fator	Prestação	Juros	Amortização	Saldo Devedor
		0									454,247.52
		1	0.041	1.041	0.960246	1.041400	0.036086	16,392.17	651.66	15,740.51	438,507.01
		2	0.083	1.083	0.923532	0.530848	0.036086	16,392.17	1,253.48	15,138.68	423,368.33
		3	0.124	1.124	0.889521	0.360581	0.036086	16,392.17	1,810.98	14,581.18	408,787.14
		4	0.166	1.166	0.857927	0.275389	0.036086	16,392.17	2,328.88	14,063.29	394,723.86
		5	0.207	1.207	0.828500	0.224229	0.036086	16,392.17	2,811.25	13,580.92	381,142.94
		6	0.248	1.248	0.801025	0.190087	0.036086	16,392.17	3,261.63	13,130.54368,012.40
		7	0.290	1.290	0.775314	0.165671	0.036086	16,392.17	3,683.09	12,709.08	355,303.32
		8	0.331	1.331	0.751202	0.147335	0.036086	16,392.17	4,078.34	12,313.83	342,989.49
		9	0.373	1.373	0.728544	0.133053	0.036086	16,392.17	4,449.75	11,942.42	331,047.07
		10	0.414	1.414	0.707214	0.121610	0.036086	16,392.17	4,799.40	11,592.76	319,454.31
		11	0.455	1.455	0.687096	0.112232	0.036086	16,392.17	5,129.17	11,263.00	308,191.31
		12	0.497	1.497	0.668092	0.104404	0.036086	16,392.17	5,440.69	10,951.47	297,239.84
		13	0.538	1.538	0.650111	0.097768	0.036086	16,392.17	5,735.45	10,656.72	286,583.12
		14	0.580	1.580	0.633072	0.092069	0.036086	16,392.17	6,014.75	10,377.42	276,205.70
		15	0.621	1.621	0.616903	0.087121	0.036086	16,392.17	6,279.79	10,112.38	266,093.32
		16	0.662	1.662	0.601540	0.082783	0.036086	16,392.17	6,531.62	9,860.54	256,232.78
		17	0.704	1.704	0.586923	0.078947	0.036086	16,392.17	6,771.22	9,620.95	246,611.83
		18	0.745	1.745	0.573000	0.075530	0.036086	16,392.17	6,999.45	9,392.72	237,219.12
		19	0.787	1.787	0.559722	0.072466	0.036086	16,392.17	7,217.10	9,175.06	228,044.06
		20	0.828	1.828	0.547046	0.069703	0.036086	16,392.17	7,424.90	8,967.27	219,076.79
		21	0.869	1.869	0.534931	0.067198	0.036086	16,392.17	7,623.49	8,768.68	210,308.11
		22	0.911	1.911	0.523341	0.064915	0.036086	16,392.17	7,813.47	8,578.69	201,729.42
		23	0.952	1.952	0.512243	0.062826	0.036086	16,392.17	7,995.40	8,396.77	193,332.65
		24	0.994	1.994	0.501605	0.060906	0.036086	16,392.17	8,169.77	8,222.40	185,110.26
		25	1.035	2.035	0.491400	0.059136	0.036086	16,392.17	8,337.05	8,055.12	177,055.14
		26	1.076	2.076	0.481603	0.057499	0.036086	16,392.17	8,497.65	7,894.51	169,160.62
		27	1.118	2.118	0.472188	0.055979	0.036086	16,392.17	8,651.98	7,740.19	161,420.44
		28	1.159	2.159	0.463134	0.054564	0.036086	16,392.17	8,800.39	7,591.78	153,828.66
		29	1.201	2.201	0.454422	0.053244	0.036086	16,392.17	8,943.21	7,448.95	146,379.71
		30	1.242	2.242	0.446030	0.052009	0.036086	16,392.17	9,080.76	7,311.40	139,068.30
		31	1.283	2.283	0.437943	0.050851	0.036086	16,392.17	9,213.33	7,178.84	131,889.46
		32	1.325	2.325	0.430145	0.049762	0.036086	16,392.17	9,341.17	7,051.00	124,838.46
		33	1.366	2.366	0.422619	0.048737	0.036086	16,392.17	9,464.53	6,927.63	117,910.83
		34	1.408	2.408	0.415351	0.047770	0.036086	16,392.17	9,583.66	6,808.51	111,102.32
		35	1.449	2.449	0.408330	0.046856	0.036086	16,392.17	9,698.75	6,693.41	104,408.90
		36	1.490	2.490	0.401542	0.045991	0.036086	16,392.17	9,810.02	6,582.14	97,826.76
		37	1.532	2.532	0.394976	0.045171	0.036086	16,392.17	9,917.66	6,474.51	91,352.25
		38	1.573	2.573	0.388621	0.044391	0.036086	16,392.17	10,021.82	6,370.34	84,981.91
		39	1.615	2.615	0.382468	0.043650	0.036086	16,392.17	10,122.69	6,269.47	78,712.43
		40	1.656	2.656	0.376506	0.042944	0.036086	16,392.17	10,220.42	6,171.75	72,540.68
		41	1.697	2.697	0.370727	0.042271	0.036086	16,392.17	10,315.14	6,077.02	66,463.66
		42	1.739	2.739	0.365123	0.041629	0.036086	16,392.17	10,407.00	5,985.16	60,478.50
		43	1.780	2.780	0.359686	0.041015	0.036086	16,392.17	10,496.13	5,896.04	54,582.46
		44	1.822	2.822	0.354409	0.040427	0.036086	16,392.17	10,582.64	5,809.53	48,772.93
		45	1.863	2.863	0.349284	0.039864	0.036086	16,392.17	10,666.65	5,725.52	43,047.41
		46	1.904	2.904	0.344305	0.039324	0.036086	16,392.17	10,748.26	5,643.91	37,403.50
		47	1.946	2.946	0.339466	0.038806	0.036086	16,392.17	10,827.58	5,564.59	31,838.91
		48	1.987	2.987	0.334762	0.038309	0.036086	16,392.17	10,904.70	5,487.47	26,351.44
		49	2.029	3.029	0.330186	0.037830	0.036086	16,392.17	10,979.71	5,412.46	20,938.98
		50	2.070	3.070	0.325733	0.037370	0.036086	16,392.17	11,052.70	5,339.47	15,599.52
		51	2.111	3.111	0.321399	0.036926	0.036086	16,392.17	11,123.75	5,268.42	10,331.09
		52	2.153	3.153	0.317178	0.036499	0.036086	16,392.17	11,192.93	5,199.24	5,131.85
		53	2.194	3.194	0.313067	0.036086	0.036086	16,392.17	11,260.31	5,131.85	0.00
		54	2.236	3.236	0.309062	0.035688	0.036086				
		55	2.277	3.277	0.305157	0.035304	0.036086				
		56	2.318	3.318	0.301350	0.034932	0.036086				
		57	2.360	3.360	0.297637	0.034573	0.036086				
		58	2.401	3.401	0.294014	0.034225	0.036086				
		59	2.443	3.443	0.290478	0.033888	0.036086				
		60	2.484	3.484	0.287026	0.033562	0.036086				
		61	2.525	3.525	0.283656	0.033245	0.036086				
		62	2.567	3.567	0.280363	0.032938	0.036086				
		63	2.608	3.608	0.277146	0.032640	0.036086				
		64	2.650	3.650	0.274003	0.032351	0.036086				
		65	2.691	3.691	0.270929	0.032070	0.036086				
		66	2.732	3.732	0.267924	0.031797	0.036086				
		67	2.774	3.774	0.264985	0.031531	0.036086				
		68	2.815	3.815	0.262109	0.031272	0.036086				
		69	2.857	3.857	0.259296	0.031021	0.036086				
		70	2.898	3.898	0.256542	0.030776	0.036086				
		71	2.939	3.939	0.253846	0.030537	0.036086				
		72	2.981	3.981	0.251206	0.030305	0.036086				
		73	3.022	4.022	0.248620	0.030078	0.036086				
		74	3.064	4.064	0.246087	0.029857	0.036086				
		75	3.105	4.105	0.243605	0.029642	0.036086				
		76	3.146	4.146	0.241173	0.029431	0.036086				
		77	3.188	4.188	0.238789	0.029226	0.036086				
		78	3.229	4.229	0.236451	0.029025	0.036086				
		79	3.271	4.271	0.234159	0.028829	0.036086				
		80	3.312	4.312	0.231911	0.028638	0.036086				
		81	3.353	4.353	0.229706	0.028451	0.036086				
		82	3.395	4.395	0.227542	0.028268	0.036086				
		83	3.436	4.436	0.225418	0.028089	0.036086				
		84	3.478	4.478	0.223334	0.027914	0.036086				
		85	3.519	4.519	0.221288	0.027742	0.036086				
		86	3.560	4.560	0.219279	0.027575	0.036086				
		87	3.602	4.602	0.217306	0.027410	0.036086				
		88	3.643	4.643	0.215369	0.027249	0.036086				
		89	3.685	4.685	0.213465	0.027092	0.036086				
		90	3.726	4.726	0.211595	0.026937	0.036086				
		91	3.767	4.767	0.209758	0.026786	0.036086				
		92	3.809	4.809	0.207952	0.026638	0.036086				
		93	3.850	4.850	0.206177	0.026492	0.036086				
		94	3.892	4.892	0.204432	0.026349	0.036086				
		95	3.933	4.933	0.202716	0.026209	0.036086				
		96	3.974	4.974	0.201029	0.026072	0.036086				
		97	4.016	5.016	0.199370	0.025937	0.036086				
		98	4.057	5.057	0.197738	0.025805	0.036086				
		99	4.099	5.099	0.196132	0.025675	0.036086				
		100	4.140	5.140	0.194553	0.025547	0.036086				
		101	4.181	5.181	0.192998	0.025422	0.036086				
		102	4.223	5.223	0.191468	0.025299	0.036086				
		103	4.264	5.264	0.189962	0.025178	0.036086				
		104	4.306	5.306	0.188480	0.025059	0.036086				
		105	4.347	5.347	0.187021	0.024942	0.036086				
		106	4.388	5.388	0.185584	0.024827	0.036086				
		107	4.430	5.430	0.184169	0.024714	0.036086				
		108	4.471	5.471	0.182775	0.024603	0.036086				
		109	4.513	5.513	0.181403	0.024494	0.036086				
		110	4.554	5.554	0.180050	0.024386	0.036086				
		111	4.595	5.595	0.178718	0.024280	0.036086				
		112	4.637	5.637	0.177406	0.024176	0.036086				
		113	4.678	5.678	0.176112	0.024074	0.036086				
		114	4.720	5.720	0.174837	0.023973	0.036086				
		115	4.761	5.761	0.173581	0.023873	0.036086				
		116	4.802	5.802	0.172342	0.023776	0.036086				
		117	4.844	5.844	0.171122	0.023679	0.036086				
		118	4.885	5.885	0.169918	0.023584	0.036086				
		119	4.927	5.927	0.168731	0.023491	0.036086				
		120	4.968	5.968	0.167560	0.023399	0.036086				
		121	5.009	6.009	0.166406	0.023308	0.036086				
		122	5.051	6.051	0.165267	0.023219	0.036086				
		123	5.092	6.092	0.164144	0.023130	0.036086				
		124	5.134	6.134	0.163036	0.023044	0.036086				
		125	5.175	6.175	0.161943	0.022958	0.036086				
		126	5.216	6.216	0.160865	0.022873	0.036086				
		127	5.258	6.258	0.159801	0.022790	0.036086				
		128	5.299	6.299	0.158750	0.022708	0.036086				
		129	5.341	6.341	0.157714	0.022627	0.036086				
		130	5.382	6.382	0.156691	0.022547	0.036086				
		131	5.423	6.423	0.155681	0.022468	0.036086				
		132	5.465	6.465	0.154684	0.022390	0.036086				
		133	5.506	6.506	0.153700	0.022314	0.036086				
		134	5.548	6.548	0.152728	0.022238	0.036086				
		135	5.589	6.589	0.151768	0.022163	0.036086				
		136	5.630	6.630	0.150820	0.022089	0.036086				
		137	5.672	6.672	0.149885	0.022016	0.036086				
		138	5.713	6.713	0.148960	0.021944	0.036086				
		139	5.755	6.7550.148047	0.021873	0.036086				
		140	5.796	6.796	0.147145	0.021803	0.036086				
		141	5.837	6.837	0.146254	0.021734	0.036086				
		142	5.879	6.879	0.145374	0.021665	0.036086				
		143	5.920	6.920	0.144504	0.021598	0.036086				
		144	5.962	6.962	0.143645	0.021531	0.036086				
		145	6.003	7.003	0.142796	0.021465	0.036086				
		146	6.044	7.044	0.141957	0.021400	0.036086				
		147	6.086	7.086	0.141127	0.021335	0.036086				
		148	6.127	7.127	0.140308	0.021272	0.036086				
		149	6.169	7.169	0.139497	0.021209	0.036086				
		150	6.210	7.210	0.138696	0.021146	0.036086				
		151	6.251	7.251	0.137904	0.021085	0.036086				
		152	6.293	7.293	0.137122	0.021024	0.036086				
		153	6.334	7.334	0.136348	0.020964	0.036086				
		154	6.376	7.376	0.135582	0.020905	0.036086				
		155	6.417	7.417	0.134825	0.020846	0.036086				
		156	6.458	7.458	0.134077	0.020788	0.036086				
		157	6.500	7.500	0.133337	0.020730	0.036086				
		158	6.541	7.541	0.132605	0.020673	0.036086				
		159	6.583	7.583	0.131881	0.020617	0.036086				
		160	6.624	7.624	0.131165	0.020562	0.036086				
		161	6.665	7.665	0.130456	0.020507	0.036086				
		162	6.707	7.707	0.129756	0.020452	0.036086				
		163	6.748	7.748	0.129062	0.020398	0.036086				
		164	6.790	7.790	0.128376	0.020345	0.036086				
		165	6.831	7.831	0.127698	0.020292	0.036086				
		166	6.872	7.872	0.127026	0.020240	0.036086				
		167	6.914	7.914	0.126362	0.020189	0.036086				
		168	6.955	7.955	0.125704	0.020137	0.036086				
		169	6.997	7.997	0.125053	0.020087	0.036086				
		170	7.038	8.038	0.124409	0.020037	0.036086				
		171	7.079	8.079	0.123772	0.019987	0.036086				
		172	7.121	8.121	0.123141	0.019938	0.036086				
		173	7.162	8.162	0.122516	0.019890	0.036086				
		174	7.204	8.204	0.121898	0.019841	0.036086				
		175	7.245	8.245	0.121286	0.019794	0.036086				
		176	7.286	8.286	0.120680	0.019747	0.036086				
		177	7.328	8.328	0.120080	0.019700	0.036086				
		178	7.369	8.369	0.119486	0.019654	0.036086				
		179	7.411	8.411	0.118898	0.019608	0.036086				
		180	7.452	8.452	0.118315	0.019563	0.036086				
		181	7.493	8.493	0.117738	0.019518	0.036086				
		182	7.535	8.535	0.117167	0.019473	0.036086				
		183	7.576	8.576	0.116602	0.019429	0.036086				
		184	7.618	8.618	0.116042	0.019385	0.036086				
		185	7.659	8.659	0.115487	0.019342	0.036086				
		186	7.700	8.700	0.114937	0.019299	0.036086				
		187	7.742	8.742	0.114393	0.019256	0.036086				
		188	7.783	8.783	0.113854	0.019214	0.036086				
		189	7.825	8.825	0.113320	0.019173	0.036086				
		190	7.866	8.866	0.112790	0.019131	0.036086				
		191	7.907	8.907	0.112266	0.019090	0.036086				
		192	7.949	8.949	0.111747	0.019050	0.036086				
		193	7.990	8.990	0.111232	0.019009	0.036086				
		194	8.032	9.032	0.110722	0.018969	0.036086				
		195	8.073	9.073	0.110217	0.018930	0.036086				
		196	8.114	9.114	0.109716	0.018891	0.036086				
		197	8.156	9.156	0.109220	0.018852	0.036086				
		198	8.197	9.197	0.108729	0.018813	0.036086				
		199	8.239	9.239	0.108242	0.018775	0.036086				
		200	8.280	9.280	0.107759	0.018737	0.036086				
		201	8.321	9.321	0.107280	0.018699	0.036086				
		202	8.363	9.363	0.106806	0.018662	0.036086				
		203	8.404	9.404	0.106335	0.018625	0.036086				
		204	8.446	9.446	0.105869	0.018589	0.036086				
		205	8.487	9.487	0.105407	0.018552	0.036086				
		206	8.528	9.528	0.104949	0.018516	0.036086				
		207	8.570	9.570	0.104495	0.018480	0.036086				
		208	8.611	9.611	0.104045	0.018445	0.036086				
		209	8.653	9.653	0.103599	0.018410	0.036086				
		210	8.694	9.694	0.103157	0.018375	0.036086				
		211	8.735	9.735	0.102718	0.018340	0.036086				
		212	8.777	9.777	0.102283	0.018306	0.036086				
		213	8.818	9.818	0.101852	0.018272	0.036086				
		214	8.860	9.860	0.101424	0.018238	0.036086				
		215	8.901	9.901	0.101000	0.018204	0.036086				
		216	8.942	9.942	0.100579	0.018171	0.036086				
		217	8.984	9.984	0.100162	0.018138	0.036086				
		218	9.025	10.025	0.099749	0.018105	0.036086				
		219	9.067	10.067	0.099338	0.018073	0.036086				
		220	9.108	10.108	0.098932	0.018041	0.036086				
		221	9.149	10.149	0.098528	0.018009	0.036086				
		222	9.191	10.191	0.098128	0.017977	0.036086				
		223	9.232	10.232	0.097731	0.017945	0.036086				
		224	9.274	10.274	0.097337	0.017914	0.036086				
		225	9.315	10.315	0.096946	0.017883	0.036086				
		226	9.356	10.356	0.096559	0.017852	0.036086				
		227	9.398	10.398	0.096174	0.017822	0.036086				
		228	9.439	10.439	0.095793	0.017791	0.036086				
		229	9.481	10.481	0.095414	0.017761	0.036086				
		230	9.522	10.522	0.095039	0.017731	0.036086				
		231	9.563	10.563	0.094666	0.017701	0.036086				
		232	9.605	10.605	0.094297	0.017672	0.036086				
		233	9.646	10.646	0.093930	0.017643	0.036086				
		234	9.688	10.688	0.093566	0.017614	0.036086				
		235	9.729	10.729	0.093205	0.017585	0.036086				
		236	9.770	10.770	0.092847	0.017556	0.036086				
		237	9.812	10.812	0.092492	0.017528	0.036086				
		238	9.853	10.853	0.092139	0.017499	0.036086				
		239	9.895	10.895	0.091789	0.017471	0.036086				
		240	9.936	10.936	0.091441	0.017443	0.036086				
		241	9.977	10.977	0.091096	0.017416	0.036086				
		242	10.019	11.019	0.090754	0.017388	0.036086				
		243	10.060	11.060	0.090414	0.017361	0.036086				
		244	10.102	11.102	0.090077	0.017334	0.036086				
		245	10.143	11.143	0.089742	0.017307	0.036086				
		246	10.184	11.184	0.089410	0.017280	0.036086				
		247	10.226	11.226	0.089081	0.017254	0.036086				
		248	10.267	11.267	0.088753	0.017227	0.036086				
		249	10.309	11.309	0.088428	0.017201	0.036086				
		250	10.350	11.350	0.088106	0.017175	0.036086				
		251	10.391	11.391	0.087786	0.017149	0.036086				
		252	10.433	11.433	0.087468	0.017123	0.036086				
		253	10.474	11.474	0.087152	0.017098	0.036086				
		254	10.516	11.516	0.086839	0.017073	0.036086				
		255	10.557	11.557	0.086528	0.017047	0.036086				
		256	10.598	11.598	0.086219	0.017022	0.036086				
		257	10.640	11.640	0.085912	0.016998	0.036086				
		258	10.681	11.681	0.085608	0.016973	0.036086				
		259	10.723	11.723	0.085305	0.016948	0.036086				
		260	10.764	11.764	0.085005	0.016924	0.036086				
		261	10.805	11.805	0.084707	0.016900	0.036086				
		262	10.847	11.847	0.084411	0.016876	0.036086				
		263	10.888	11.888	0.084117	0.016852	0.036086				
		264	10.930	11.930	0.083825	0.016828	0.036086				
		265	10.971	11.971	0.083535	0.016804	0.036086				
		266	11.012	12.012	0.083247	0.016781	0.036086				
		267	11.054	12.054	0.082961	0.016757	0.036086				
		268	11.095	12.095	0.082677	0.016734	0.036086				
		269	11.137	12.137	0.082395	0.016711	0.036086				
		270	11.178	12.178	0.082115	0.016688	0.036086				
		271	11.219	12.219	0.081837	0.016666	0.036086				
		272	11.261	12.261	0.081561	0.016643	0.036086				
		273	11.302	12.302	0.081286	0.016620	0.036086				
		274	11.344	12.344	0.081014	0.016598	0.036086				
		275	11.385	12.385	0.080743	0.016576	0.036086				
		276	11.426	12.426	0.080474	0.016554	0.036086				
		277	11.468	12.468	0.080207	0.016532	0.036086				
		278	11.509	12.509	0.079941	0.016510	0.036086				
		279	11.551	12.551	0.079677	0.016488	0.036086				
		280	11.592	12.592	0.079416	0.016467	0.036086				
		281	11.633	12.633	0.079155	0.016445	0.036086				
		282	11.675	12.675	0.078897	0.016424	0.036086				
		283	11.716	12.716	0.078640	0.016403	0.036086				
		284	11.758	12.758	0.078385	0.016382	0.036086				
		285	11.799	12.799	0.078131	0.016361	0.036086				
		286	11.840	12.840	0.077879	0.016340	0.036086				
		287	11.882	12.882	0.077629	0.016319	0.036086				
		288	11.923	12.923	0.077380	0.016299	0.036086				
		289	11.965	12.965	0.077133	0.016278	0.036086				
		290	12.006	13.006	0.076888	0.016258	0.036086				
		291	12.047	13.047	0.076644	0.016238	0.036086				
		292	12.089	13.089	0.076401	0.016218	0.036086				
		293	12.130	13.130	0.076160	0.016198	0.036086				
		294	12.172	13.172	0.075921	0.016178	0.036086				
		295	12.213	13.213	0.075683	0.016158	0.036086				
		296	12.254	13.254	0.075447	0.016138	0.036086				
		297	12.296	13.296	0.075212	0.016119	0.036086				
		298	12.337	13.337	0.074978	0.016099	0.036086				
		299	12.379	13.379	0.074746	0.016080	0.036086				
		300	12.420	13.420	0.074516	0.0160610.036086				
		301	12.461	13.461	0.074286	0.016041	0.036086				
		302	12.503	13.503	0.074059	0.016022	0.036086				
		303	12.544	13.544	0.073832	0.016004	0.036086				
		304	12.586	13.586	0.073607	0.015985	0.036086				
		305	12.627	13.627	0.073384	0.015966	0.036086				
		306	12.668	13.668	0.073161	0.015947	0.036086				
		307	12.710	13.710	0.072941	0.015929	0.036086				
		308	12.751	13.751	0.072721	0.015910	0.036086				
		309	12.793	13.793	0.072503	0.015892	0.036086				
		310	12.834	13.834	0.072286	0.015874	0.036086				
		311	12.875	13.875	0.072070	0.015856	0.036086				
		312	12.917	13.917	0.071856	0.015838	0.036086				
		313	12.958	13.958	0.071642	0.015820	0.036086				
		314	13.000	14.000	0.071431	0.015802	0.036086				
		315	13.041	14.041	0.071220	0.015784	0.036086				
		316	13.082	14.082	0.071011	0.015766	0.036086				
		317	13.124	14.124	0.070802	0.015749	0.036086				
		318	13.165	14.165	0.070596	0.015731	0.036086				
		319	13.207	14.207	0.070390	0.015714	0.036086				
		320	13.248	14.248	0.070185	0.015697	0.036086				
		321	13.289	14.289	0.069982	0.015679	0.036086				
		322	13.331	14.331	0.069780	0.015662	0.036086				
		323	13.372	14.372	0.069579	0.015645	0.036086				
		324	13.414	14.414	0.069379	0.015628	0.036086				
		325	13.455	14.455	0.069180	0.015611	0.036086				
		326	13.496	14.496	0.068983	0.015595	0.036086				
		327	13.538	14.538	0.068786	0.015578	0.036086				
		328	13.579	14.579	0.068591	0.015561	0.036086				
		329	13.621	14.621	0.068397	0.015545	0.036086				
		330	13.662	14.662	0.068204	0.015528	0.036086				
		331	13.703	14.703	0.068011	0.015512	0.036086				
		332	13.745	14.745	0.067821	0.015496	0.036086				
		333	13.786	14.786	0.067631	0.015479	0.036086				
		334	13.828	14.828	0.067442	0.015463	0.036086				
		335	13.869	14.869	0.067254	0.015447	0.036086				
		336	13.910	14.910	0.067067	0.015431	0.036086				
		337	13.952	14.952	0.066882	0.015415	0.036086				
		338	13.993	14.993	0.066697	0.015399	0.036086				
		339	14.035	15.035	0.066513	0.015384	0.036086				
		340	14.076	15.076	0.066331	0.015368	0.036086				
		341	14.117	15.117	0.066149	0.015352	0.036086				
		342	14.159	15.159	0.065968	0.015337	0.036086				
		343	14.200	15.200	0.065789	0.015321	0.036086				
		344	14.242	15.242	0.065610	0.015306	0.036086				
		345	14.283	15.283	0.065432	0.015291	0.036086				
		346	14.324	15.324	0.065255	0.015275	0.036086				
		347	14.366	15.366	0.065080	0.015260	0.036086				
		348	14.407	15.407	0.064905	0.015245	0.036086				
		349	14.449	15.449	0.064731	0.015230	0.036086				
		350	14.490	15.490	0.064558	0.015215	0.036086				
		351	14.531	15.531	0.064386	0.015200	0.036086				
		352	14.573	15.573	0.064215	0.015185	0.036086				
		353	14.614	15.614	0.064044	0.015171	0.036086				
		354	14.656	15.656	0.063875	0.015156	0.036086				
		355	14.697	15.697	0.063706	0.015141	0.036086				
		356	14.738	15.738	0.063539	0.015127	0.036086				
		357	14.780	15.780	0.063372	0.015112	0.036086				
		358	14.821	15.821	0.063206	0.015098	0.036086				
		359	14.863	15.863	0.063041	0.015084	0.036086				
		360	14.904	15.904	0.062877	0.015069	0.036086				
		361	14.945	15.945	0.062714	0.015055	0.036086				
		362	14.987	15.987	0.062552	0.015041	0.036086				
		363	15.028	16.028	0.062390	0.015027	0.036086				
		364	15.070	16.070	0.062229	0.015013	0.036086				
		365	15.111	16.111	0.062069	0.014999	0.036086				
		366	15.152	16.152	0.061910	0.014985	0.036086				
		367	15.194	16.194	0.061752	0.014971	0.036086				
		368	15.235	16.235	0.061595	0.014957	0.036086				
		369	15.277	16.277	0.061438	0.014943	0.036086				
		370	15.318	16.318	0.061282	0.014930	0.036086				
		371	15.359	16.359	0.061127	0.014916	0.036086				
		372	15.401	16.401	0.060973	0.014903	0.036086				
		373	15.442	16.442	0.060819	0.014889	0.036086				
		374	15.484	16.484	0.060666	0.014876	0.036086				
		375	15.525	16.525	0.060514	0.014862	0.036086				
		376	15.566	16.566	0.060363	0.014849	0.036086				
		377	15.608	16.608	0.060213	0.014836	0.036086				
		378	15.649	16.649	0.060063	0.014823	0.036086				
		379	15.691	16.691	0.059914	0.014809	0.036086				
		380	15.732	16.732	0.059766	0.014796	0.036086				
		381	15.773	16.773	0.059618	0.014783	0.036086				
		382	15.815	16.815	0.059471	0.014770	0.036086				
		383	15.856	16.856	0.059325	0.014757	0.036086				
		384	15.898	16.898	0.059180	0.014744	0.036086				
		385	15.939	16.939	0.059035	0.014732	0.036086				
		386	15.980	16.980	0.058891	0.014719	0.036086				
		387	16.022	17.022	0.058748	0.014706	0.036086				
		388	16.063	17.063	0.058606	0.014693	0.036086				
		389	16.105	17.105	0.058464	0.014681	0.036086				
		390	16.146	17.146	0.058323	0.014668	0.036086				
		391	16.187	17.187	0.058182	0.014656	0.036086				
		392	16.229	17.229	0.058042	0.014643	0.036086				
		393	16.270	17.270	0.057903	0.014631	0.036086				
		394	16.312	17.312	0.057765	0.014619	0.036086				
		395	16.353	17.353	0.057627	0.014606	0.036086				
		396	16.394	17.394	0.057490	0.014594	0.036086				
		397	16.436	17.436	0.057353	0.014582	0.036086				
		398	16.477	17.477	0.057217	0.014570	0.036086				
		399	16.519	17.519	0.057082	0.014558	0.036086				
		400	16.560	17.560	0.056948	0.014545	0.036086				
		401	16.601	17.601	0.056814	0.014533	0.036086				
		402	16.643	17.643	0.056680	0.014522	0.036086				
		403	16.684	17.684	0.056548	0.014510	0.036086				
		404	16.726	17.726	0.056416	0.014498	0.036086				
		405	16.767	17.767	0.056284	0.014486	0.036086				
		406	16.808	17.808	0.056153	0.014474	0.036086				
		407	16.850	17.850	0.056023	0.014462	0.036086				
		408	16.891	17.891	0.055893	0.014451	0.036086				
		409	16.933	17.933	0.055764	0.014439	0.036086				
		410	16.974	17.974	0.055636	0.014427	0.036086				
		411	17.015	18.015	0.055508	0.014416	0.036086				
		412	17.057	18.057	0.055381	0.014404	0.036086				
		413	17.098	18.098	0.055254	0.014393	0.036086				
		414	17.140	18.140	0.055128	0.014382	0.036086				
		415	17.181	18.181	0.055002	0.014370	0.036086				
		416	17.222	18.222	0.054878	0.014359	0.036086				
		417	17.264	18.264	0.054753	0.014348	0.036086				
		418	17.305	18.305	0.054629	0.014336	0.036086				
		419	17.347	18.347	0.054506	0.014325	0.036086				
		420	17.388	18.388	0.054383	0.014314	0.036086				
Sistema de Amortização Linear (SAL)
Painel Central
Painel Central
/xl/drawings/drawing7.xml#Painel_central!A1Dados
/xl/drawings/drawing7.xml#Dados!A1Comparativo
/xl/drawings/drawing7.xml#Comparativo!A1
Gauss
		Nº	Prestação	Juros	Amortização	Saldo Devedor
		0				454,247.52
		1	13,184.62	9,056.95	4,127.68	450,119.84
		2	13,184.62	8,886.06	4,298.56	445,821.28
		3	13,184.62	8,715.18	4,469.45	441,351.83
		4	13,184.62	8,544.29	4,640.33	436,711.50
		5	13,184.62	8,373.40	4,811.22	431,900.28
		6	13,184.62	8,202.52	4,982.11	426,918.17
		7	13,184.62	8,031.63	5,152.99	421,765.18
		8	13,184.62	7,860.75	5,323.88	416,441.30
		9	13,184.62	7,689.86	5,494.76	410,946.54
		10	13,184.62	7,518.98	5,665.65	405,280.89
		11	13,184.62	7,348.09	5,836.53	399,444.36
		12	13,184.62	7,177.20	6,007.42	393,436.94
		13	13,184.62	7,006.32	6,178.31	387,258.63
		14	13,184.62	6,835.43	6,349.19	380,909.44
		15	13,184.62	6,664.55	6,520.08	374,389.36
		16	13,184.62	6,493.66	6,690.96	367,698.39
		17	13,184.62	6,322.78	6,861.85	360,836.54
		18	13,184.62	6,151.89	7,032.74	353,803.81
		19	13,184.62	5,981.00	7,203.62	346,600.19
		20	13,184.62	5,810.12	7,374.51	339,225.68
		21	13,184.62	5,639.23	7,545.39	331,680.29
		22	13,184.62	5,468.35	7,716.28	323,964.01
		23	13,184.62	5,297.46	7,887.16	316,076.84
		24	13,184.62	5,126.57	8,058.05	308,018.79
		25	13,184.62	4,955.69	8,228.94	299,789.86
		26	13,184.62	4,784.80	8,399.82	291,390.04
		27	13,184.62	4,613.92	8,570.71	282,819.33
		28	13,184.62	4,443.03	8,741.59	274,077.73
		29	13,184.62	4,272.15	8,912.48	265,165.25
		30	13,184.62	4,101.26	9,083.37	256,081.89
		31	13,184.62	3,930.37	9,254.25	246,827.64
		32	13,184.62	3,759.49	9,425.14	237,402.50
		33	13,184.62	3,588.60	9,596.02	227,806.48
		34	13,184.62	3,417.72	9,766.91	218,039.57
		35	13,184.62	3,246.83	9,937.79	208,101.77
		36	13,184.62	3,075.94	10,108.68	197,993.09
		37	13,184.62	2,905.06	10,279.57	187,713.53
		3813,184.62	2,734.17	10,450.45	177,263.08
		39	13,184.62	2,563.29	10,621.34	166,641.74
		40	13,184.62	2,392.40	10,792.22	155,849.52
		41	13,184.62	2,221.52	10,963.11	144,886.41
		42	13,184.62	2,050.63	11,134.00	133,752.41
		43	13,184.62	1,879.74	11,304.88	122,447.53
		44	13,184.62	1,708.86	11,475.77	110,971.76
		45	13,184.62	1,537.97	11,646.65	99,325.11
		46	13,184.62	1,367.09	11,817.54	87,507.57
		47	13,184.62	1,196.20	11,988.42	75,519.15
		48	13,184.62	1,025.31	12,159.31	63,359.84
		49	13,184.62	854.43	12,330.20	51,029.64
		50	13,184.62	683.54	12,501.08	38,528.56
		51	13,184.62	512.66	12,671.97	25,856.59
		52	13,184.62	341.77	12,842.85	13,013.74
		53	13,184.62	170.89	13,013.74	0.00
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Método Gauss
Painel Central
Painel Central
/xl/drawings/drawing8.xml#Painel_central!A1Dados
/xl/drawings/drawing8.xml#Dados!A1Comparativo
/xl/drawings/drawing8.xml#Comparativo!A1
SAC-JS
		Nº	Prestação	IP
Jorge A: Índice de Ponderação	Juros	Amortização	Saldo Devedor
		0					454,247.52
		1	16,293.21	145.71	7,722.51	8,570.71	445,676.81
		2	16,147.51	145.71	7,576.80	8,570.71	437,106.10
		3	16,001.80	145.71	7,431.09	8,570.71	428,535.40
		4	15,856.09	145.71	7,285.38	8,570.71	419,964.69
		5	15,710.38	145.71	7,139.68	8,570.71	411,393.98
		6	15,564.68	145.71	6,993.97	8,570.71	402,823.27
		7	15,418.97	145.71	6,848.26	8,570.71	394,252.56
		8	15,273.26	145.71	6,702.55	8,570.71	385,681.86
		9	15,127.55	145.71	6,556.84	8,570.71	377,111.15
		10	14,981.85	145.71	6,411.14	8,570.71	368,540.44
		11	14,836.14	145.71	6,265.43	8,570.71	359,969.73
		12	14,690.43	145.71	6,119.72	8,570.71	351,399.02
		13	14,544.72	145.71	5,974.01	8,570.71	342,828.32
		14	14,399.01	145.71	5,828.31	8,570.71	334,257.61
		15	14,253.31	145.71	5,682.60	8,570.71	325,686.90
		16	14,107.60	145.71	5,536.89	8,570.71	317,116.19
		17	13,961.89	145.71	5,391.18	8,570.71	308,545.49
		18	13,816.18	145.71	5,245.48	8,570.71	299,974.78
		19	13,670.48	145.71	5,099.77	8,570.71	291,404.07
		20	13,524.77	145.71	4,954.06	8,570.71	282,833.36
		21	13,379.06	145.71	4,808.35	8,570.71	274,262.65
		22	13,233.35	145.71	4,662.65	8,570.71	265,691.95
		23	13,087.65	145.71	4,516.94	8,570.71	257,121.24
		24	12,941.94	145.71	4,371.23	8,570.71	248,550.53
		25	12,796.23	145.71	4,225.52	8,570.71	239,979.82
		26	12,650.52	145.71	4,079.81	8,570.71	231,409.11
		27	12,504.81	145.71	3,934.11	8,570.71	222,838.41
		28	12,359.11	145.71	3,788.40	8,570.71	214,267.70
		29	12,213.40	145.71	3,642.69	8,570.71	205,696.99
		30	12,067.69	145.71	3,496.98	8,570.71	197,126.28
		31	11,921.98	145.71	3,351.28	8,570.71	188,555.57
		32	11,776.28	145.71	3,205.57	8,570.71	179,984.87
		33	11,630.57	145.71	3,059.86	8,570.71	171,414.16
		34	11,484.86	145.71	2,914.15	8,570.71	162,843.45
		35	11,339.15	145.71	2,768.45	8,570.71	154,272.74
		36	11,193.45	145.71	2,622.74	8,570.71	145,702.03
		37	11,047.74	145.71	2,477.03	8,570.71	137,131.33
		38	10,902.03	145.71	2,331.32	8,570.71	128,560.62
		39	10,756.32	145.71	2,185.61	8,570.71	119,989.91
		40	10,610.62	145.71	2,039.91	8,570.71	111,419.20
		41	10,464.91	145.71	1,894.20	8,570.71	102,848.50
		42	10,319.20	145.71	1,748.49	8,570.71	94,277.79
		43	10,173.49	145.71	1,602.78	8,570.71	85,707.08
		44	10,027.78	145.71	1,457.08	8,570.71	77,136.37
		45	9,882.08	145.71	1,311.37	8,570.71	68,565.66
		46	9,736.37	145.71	1,165.66	8,570.71	59,994.96
		47	9,590.66	145.71	1,019.95	8,570.71	51,424.25
		48	9,444.95	145.71	874.25	8,570.71	42,853.54
		49	9,299.25	145.71	728.54	8,570.71	34,282.83
		50	9,153.54	145.71	582.83	8,570.71	25,712.12
		51	9,007.83	145.71	437.12	8,570.71	17,141.42
		52	8,862.12	145.71	291.42	8,570.71	8,570.71
		53	8,716.42	145.71	145.71	8,570.71	0.00
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Sistema de Amortização constante a Juros Simples (SAC-JS)
Painel Central
Painel Central
/xl/drawings/drawing9.xml#Painel_central!A1Dados
/xl/drawings/drawing9.xml#Dados!A1Comparativo
/xl/drawings/drawing9.xml#Comparativo!A1
SACRE
		Nº	Prestação	Juros	Amortização	Saldo Devedor
		0				454,247.52
		1	27,376.56	18,805.85	8,570.71	445,676.81
		2	27,376.56	18,451.02	8,925.54	436,751.28
		3	27,376.56	18,081.50	9,295.05	427,456.22
		4	27,376.56	17,696.69	9,679.87	417,776.36
		5	27,376.56	17,295.94	10,080.61	407,695.74
		6	27,376.56	16,878.60	10,497.95	397,197.79
		7	27,376.56	16,443.99	10,932.57	386,265.22
		8	27,376.56	15,991.38	11,385.17	374,880.05
		9	27,376.56	15,520.03	11,856.52	363,023.53
		10	27,376.56	15,029.17	12,347.38	350,676.15
		11	27,376.56	14,517.99	12,858.56	337,817.58
		12	27,376.56	13,985.65	13,390.91	324,426.68
		13	21,344.11	13,431.26	7,912.85	316,513.83
		14	21,344.11	13,103.67	8,240.44	308,273.39
		15	21,344.11	12,762.52	8,581.59	299,691.80
		16	21,344.11	12,407.24	8,936.87	290,754.93
		17	21,344.11	12,037.25	9,306.86	281,448.08
		18	21,344.11	11,651.95	9,692.16	271,755.92
		19	21,344.11	11,250.69	10,093.42	261,662.50
		20	21,344.11	10,832.83	10,511.28	251,151.22
		21	21,344.11	10,397.66	10,946.45	240,204.77
		22	21,344.11	9,944.48	11,399.63	228,805.14
		23	21,344.11	9,472.53	11,871.58	216,933.56
		24	21,344.11	8,981.05	12,363.06	204,570.50
		25	15,523.37	8,469.22	7,054.16	197,516.34
		26	15,523.37	8,177.18	7,346.20	190,170.15
		27	15,523.37	7,873.04	7,650.33	182,519.82
		28	15,523.37	7,556.32	7,967.05	174,552.76
		29	15,523.37	7,226.48	8,296.89	166,255.87
		30	15,523.37	6,882.99	8,640.38	157,615.49
		31	15,523.37	6,525.28	8,998.09	148,617.40
		32	15,523.37	6,152.76	9,370.61	139,246.79
		33	15,523.37	5,764.82	9,758.56	129,488.23
		34	15,523.37	5,360.81	10,162.56	119,325.67
		35	15,523.37	4,940.08	10,583.29	108,742.38
		36	15,523.37	4,501.93	11,021.44	97,720.94
		37	9,793.94	4,045.65	5,748.29	91,972.65
		38	9,793.94	3,807.67	5,986.27	85,986.38
		39	9,793.94	3,559.84	6,234.10	79,752.28
		40	9,793.94	3,301.74	6,492.19	73,260.08
		41	9,793.94	3,032.97	6,760.97	66,499.11
		42	9,793.94	2,753.06	7,040.87	59,458.24
		43	9,793.94	2,461.57	7,332.37	52,125.87
		44	9,793.94	2,158.01	7,635.93	44,489.95
		45	9,793.94	1,841.88	7,952.05	36,537.89
		46	9,793.94	1,512.67	8,281.27	28,256.63
		47	9,793.94	1,169.82	8,624.11	19,632.51
		48	9,793.94	812.79	8,981.15	10,651.36
		49	2,571.24	440.97	2,130.27	8,521.09
		50	2,571.24	352.77	2,218.47	6,302.62
		51	2,571.24	260.93	2,310.31	3,992.31
		52	2,571.24	165.28	2,405.96	1,586.36
		53	2,571.24	65.68	2,505.56	-919.21 
		54	2,571.24			
		55	2,571.24			
		56	2,571.24			
		57	2,571.24			
		58	2,571.24			
		59	2,571.24			
		60	2,571.24			
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Sistema SACRE
Informações do sistema
https://universoadministracao.com/2021/08/08/sistema-sacre/Painel Central
Painel Central
/xl/drawings/drawing10.xml#Painel_central!A1Dados
/xl/drawings/drawing10.xml#Dados!A1Comparativo
/xl/drawings/drawing10.xml#Comparativo!A1
NaoPeriodicas
		Data da contratação		11/24/17		Coeficiente	0.047315573
		Nº	Vencimento	Dias	Dias Acum.	Fator	Taxa mensal	Prestação	Juros	Amortização	Saldo Devedor
		0	11/24/17								454,247.52
		1	12/24/17	30	30	0.9602458229	4.14%	21,492.98	18,805.85	2,687.13	451,560.39
		2	1/24/18	31	61	0.9208260584	4.28%	21,492.98	19,330.91	2,162.07	449,398.31
		3	2/24/18	31	92	0.8830245439	4.28%	21,492.98	19,238.35	2,254.63	447,143.68
		4	3/24/18	28	120	0.8502168478	3.86%	21,492.98	17,254.13	4,238.85	442,904.83
		5	4/24/18	31	151	0.8153139645	4.28%	21,492.98	18,960.37	2,532.61	440,372.22
		6	5/24/18	30	181	0.7829018287	4.14%	21,492.98	18,231.41	3,261.57	437,110.65
		7	6/24/18	31	212	0.7507623443	4.28%	21,492.98	18,712.33	2,780.65	434,330.00
		8	7/24/18	30	242	0.7209164051	4.14%	21,492.98	17,981.26	3,511.72	430,818.28
		9	8/24/18	31	273	0.6913215303	4.28%	21,492.98	18,442.96	3,050.03	427,768.25
		10	9/24/18	31	304	0.6629415766	4.28%	21,492.98	18,312.39	3,180.59	424,587.66
		11	10/24/18	30	334	0.6365868798	4.14%	21,492.98	17,577.93	3,915.05	420,672.61
		12	11/24/18	31	365	0.610453879	4.28%	21,492.98	18,008.63	3,484.35	417,188.25
		13	12/24/18	30	395	0.5861857874	4.14%	21,492.98	17,271.59	4,221.39	412,966.87
		14	1/24/19	31	426	0.5621218392	4.28%	21,492.98	17,678.75	3,814.23	409,152.64
		15	2/24/19	31	457	0.5390457581	4.28%	21,492.98	17,515.47	3,977.51	405,175.12
		16	3/24/19	28	485	0.5190181727	3.86%	21,492.98	15,634.67	5,858.31	399,316.82
		17	4/24/19	31	516	0.4977115722	4.28%	21,492.98	17,094.41	4,398.58	394,918.24
		18	5/24/19	30	546	0.4779254582	4.14%	21,492.98	16,349.62	5,143.37	389,774.87
		19	6/24/19	31	577	0.4583057853	4.28%	21,492.98	16,685.92	4,807.06	384,967.82
		20	7/24/19	30	607	0.4400862159	4.14%	21,492.98	15,937.67	5,555.31	379,412.50
		21	8/24/19	31	638	0.4220199098	4.28%	21,492.98	16,242.32	5,250.66	374,161.84
		22	9/24/19	31	669	0.404695257	4.28%	21,492.98	16,017.54	5,475.44	368,686.40
		23	10/24/19	30	699	0.3886069301	4.14%	21,492.98	15,263.62	6,229.36	362,457.04
		24	11/24/19	31	730	0.3726539384	4.28%	21,492.98	15,516.47	5,976.51	356,480.53
		25	12/24/19	30	760	0.3578393877	4.14%	21,492.98	14,758.29	6,734.69	349,745.84
		26	1/24/20	31	791	0.3431494572	4.28%	21,492.98	14,972.32	6,520.67	343,225.17
		27	2/24/20	31	822	0.329062574	4.28%	21,492.98	14,693.17	6,799.81	336,425.36
		28	3/24/20	29	851	0.3164085202	4.00%	21,492.98	13,454.58	8,038.40	328,386.97
		29	4/24/20	31	882	0.303419399	4.28%	21,492.98	14,057.96	7,435.02	320,951.95
		30	5/24/20	30	912	0.2913572105	4.14%	21,492.98	13,287.41	8,205.57	312,746.37
		31	6/24/20	31	943	0.2793964892	4.28%	21,492.98	13,388.40	8,104.58	304,641.79
		32	7/24/20	30	973	0.2682893117	4.14%	21,492.98	12,612.17	8,880.81	295,760.98
		33	8/24/20	31	1004	0.2572755679	4.28%	21,492.98	12,661.27	8,831.71	286,929.27
		34	9/24/20	31	1035	0.2467139575	4.28%	21,492.98	12,283.19	9,209.79	277,719.48
		35	10/24/20	30	1065	0.2369060471	4.14%	21,492.98	11,497.59	9,995.40	267,724.09
		36	11/24/20	31	1096	0.227180641	4.28%	21,492.98	11,461.04	10,031.95	257,692.14
		37	12/24/20	30	1126	0.2181492616	4.14%	21,492.98	10,668.45	10,824.53	246,867.61
		38	1/24/21	31	1157	0.2091938542	4.28%	21,492.98	10,568.19	10,924.79	235,942.82
		39	2/24/21	31	1188	0.2006060819	4.28%	21,492.98	10,100.51	11,392.47	224,550.35
		40	3/24/21	28	1216	0.1931528085	3.86%	21,492.98	8,664.82	12,828.16	211,722.19
		41	4/24/21	31	1247	0.1852235491	4.28%	21,492.98	9,063.64	12,429.34	199,292.85
		42	5/24/21	30	1277	0.1778601393	4.14%	21,492.98	8,250.72	13,242.26	186,050.59
		43	6/24/21	31	1308	0.1705586706	4.28%	21,492.98	7,964.66	13,528.32	172,522.28
		44	7/24/21	30	1338	0.163778251	4.14%	21,492.98	7,142.42	14,350.56	158,171.72
		45	8/24/21	31	1369	0.1570548684	4.28%	21,492.98	6,771.19	14,721.79	143,449.93
		46	9/24/21	31	1400	0.1506074924	4.28%	21,492.98	6,140.97	15,352.01	128,097.91
		47	10/24/21	30	1430	0.1446202154	4.14%	21,492.98	5,303.25	16,189.73	111,908.19
		48	11/24/21	31	1461	0.1386833035	4.28%	21,492.98	4,790.69	16,702.29	95,205.90
		49	12/24/21	30	1491	0.1331700629	4.14%	21,492.98	3,941.52	17,551.46	77,654.44
		50	1/24/22	31	1522	0.1277031998	4.28%	21,492.98	3,324.32	18,168.66	59,485.78
		51	2/24/22	31	1553	0.1224607609	4.28%	21,492.98	2,546.53	18,946.45	40,539.33
		52	3/24/22	28	1581	0.1179108812	3.86%	21,492.98	1,564.31	19,928.67	20,610.66
		53	4/24/22	31	1612	0.113070434	4.28%	21,492.98	882.32	20,610.66	0.00
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Séries não periódicas
Informações do sistema
https://universoadministracao.com/2021/08/15/series-nao-periodicas/Painel Central
Painel Central
/xl/drawings/drawing11.xml#Painel_central!A1Dados
/xl/drawings/drawing11.xml#Dados!A1Comparativo
/xl/drawings/drawing11.xml#Comparativo!A1
VP_VF
		*Passe o ponteiro do mouse em cima do campo para aparecer o comentário explicativo
		PMT
Jorge A: O valor que você paga de parcela	1,156.52
		Taxa (a.m.)
Jorge A: Taxa ao mês	4.14%
Jorge A: Para alterar vá na planilha Dados
		Prazo (a.m.)
Jorge A: Prazo ao mês	53
Jorge A: Para alterar vá na planilha Dados
		VP
Jorge A: Valor presente, ou valor do empréstimo, ou do financiamento quando foi tomado	24,681.24
		VF
Jorge A: Valor futuro, o valor do principal (original) mais os juros de todo o período, é o que você irá pagar no final	61,295.56
		Adicional
Jorge A: Adicione algum valor ao valor futuro, como um balão, por exemplo.	17,000.00
		Total P.
Jorge A: Total a pagar, sendo o valr futuro + o valor adicional	
Jorge A: O valor que você paga de parcela	
Jorge A: Taxa ao mês	
Jorge A: Para alterar vá na planilha Dados	
Jorge A: Prazo ao mês	
Jorge A: Para alterar vá na planilha Dados	
Jorge A: Valor presente, ou valor do empréstimo, ou do financiamento quando foi tomado	78,295.56
Cálculo do valor presente e futuro
Painel Central
Painel Central
/xl/drawings/drawing12.xml#Painel_central!A1Dados
/xl/drawings/drawing12.xml#Dados!A1Permite você calcular o valor que você está pegando emprestado baseado no prazo, na taxa e no valor de parcela. Se não for esse o valor que você está pegando emprestado quer dizer que tem mais alguma coisa que não te falaram, ou pode ser a diferença do IOF. 
Painel_baloes
Painel dos balões
Painel Central
Painel Central
/xl/drawings/drawing13.xml#Painel_central!A1Dados
/xl/drawings/drawing13.xml#Dados!A1PRICE com balões 100%
/xl/drawings/drawing13.xml#PRICE_com_baloes!A1PRICE com balões 100% e índice de atualização
/xl/drawings/drawing13.xml#PRICE_baloes_2!A1PRICE com parcelas e balões
/xl/drawings/drawing13.xml#PRICE_baloes_3!A1PRICE e SAC com parcelas, balões, carência e índice de atualização
/xl/drawings/drawing13.xml#PRICE_baloes_4!A1
PRICE_com_baloes
		*Passe o ponteiro do mouse em cima do campo para aparecer o comentário explicativo
		Valor	454,247.52
Jorge A: Para alterar vá na planilha Dados
		Taxa a.m.
Jorge A: Taxa ao mês	4.14%
Jorge A: Para alterar vá na planilha Dados
		Taxa a.a.
Jorge A: Taxa ao ano	62.71%
		Prazo em meses	53
Jorge A: Para alterar vá na planilha Dados
		Intervalo em meses
Jorge A: Intervalo dos balões	
Jorge A: Para alterar vá na planilha Dados	
Jorge A: Taxa ao mês	
Jorge A: Para alterar vá na planilha Dados	
Jorge A: Taxa ao ano	12
		Quant. Balões	4.4166666667
		Valor de cada balão	R$ 322,408.53
		Total Geral	R$ 1,423,971.01
PRICE com balões 100%
Painel Central
Painel Central
/xl/drawings/drawing14.xml#Painel_central!A1Dados
/xl/drawings/drawing14.xml#Dados!A1Desenvolvida para que toda parcela paga fosse por balões. A planilha calcula a taxa anual de forma automática, e possui fórmulas que já mostram a quantidade de balões, o valor de cada balão e o valor total, principal mais os juros. 
Como calcular na HP12c 
Bom, se você já conhece o jeito mais usual de calcular um pagamento mensal, basta você entender que a taxa do balão precisa ser equivalente. Vejamos: 
No exemplo da imagem acima temos: 
[PV] [CHS] 63000 
[i] 0,5 
[n] 15 
[PMT] ? 
Como o intervalo está em 12 meses, basta antes de jogar na HP12c fazer a taxa equivalente para 12 meses, eu não sei fazer de forma direta, então usarei a fórmula da taxa equivalente: 
(((1+(0,5/100)^12)-1)*100 = 6,17 
Depois de encontrado o valor da taxa equivalente basta jogar ela no [i] e puxar o [PMT] 
Painel Balões
/xl/drawings/drawing14.xml#Painel_baloes!A1
PRICE_baloes_2
		Índice	IGP-M
Jorge A: Escolha o índice a ser utilizado		Taxa Equiv.
Jorge A: Taxa equivalente do intervalo de balões	62.71%
		Intervalo
Jorge A: Intervalo dos balões	12
Jorge A: [Intervalo dos balões]
O valor deverá ser múltiplo de 2		
Jorge A: Taxa equivalente do intervalo de balões	Quant. Balões	4.4166666667
		Nº	Vencimento	Balão	Índice	Balão atualizado	Juros	Amortização	Saldo Devedor	TR_d	TR_Tratado	IGP-M_D	IGP-M	INCC_D	INCC_T
		0	9/10/16						454,247.52
		1	10/10/16
Jorge A: Informe o vencimento da primeira parcela	322,408.53			284,852.89	37,555.64	416,691.88						
		2	11/10/16	322,408.53			261,302.23	61,106.30	355,585.58						
		3	12/10/16	322,408.53