Tabelas_Financeiras_-_Juros_Compostos

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Solução da P1
	1	12%	capitalização mensal			1% ao mês
		i = 1% a m	I = ? a a		n = 12
		1 + I = (1 + i)12 =	(1 + 0,1)12 =	1.126825
						I = 0,126825
						I = 12,6825%
	
	2	2% ao mês
	
	
	
	
	
	
	
			M1	M2	M3
		mês 1	1,000.00
		mês 2	1,000.00
		mês 3	1,000.00
		mês 4	1,000.00
		mês 5	1,000.00	1000.00
		mês 6	1,000.00	1000.00
		mês 7	1,000.00	1000.00
		mês 8	1,000.00	1000.00
		mês 9	1,000.00	1000.00	1000.00
		mês 10	1,000.00	1000.00	1000.00
		mês 11	1,000.00	1000.00	1000.00
		mês 12	1,000.00	1000.00	1000.00
		M = M1 + M2 + M3	0.00	0.00	0.00
	
					M=	0.00
	
	
	
	3	4%	ao mês
	
	
	
	
	
		hoje	20,000.00
		30 dias	10,000.00
		60 dias	62,032.00	20.000*(1 + i)n1 + 10.000*(1+ i)n2 + 31.200/(1 + i)n2
		90 dias	31,200.00	obs. n1 = 2 e n2 = 1
						62,032.00
	
	
	4	4%	ao mês
	
	
	
	
	
	
		mês 1	210.00
		mês 2	210.00
		mês 3	210.00
		mês 4	210.00
		mês 5	210.00
		mês 6	210.00
		mês 7	210.00
		mês 8	210.00
		mês 9	210.00
		mês 10	210.00
		mês 11	210.00
		mês 12	210.00
	
		P = 210; n = 12	postecipadas	isto é, a primeira parcela é paga um mês
				após a compra.
		A = 210 x a(n,i)	........................................................			0.00
	
	
	
	
	5	i1 = 15%; i2 = 12%
	
	
	
	
		P = 200.000,00; n1 = 20 e n2 = 15
		semestre 1	200,000.00
		...	...	Dívida no semestre 10		0.00
		semestre 10	200,000.00	200.000,00 x a(n,i1)
		semestre 11	200,000.00
		semestre 12	200,000.00	" Nova prestação"
		semestre 13	200,000.00	1.003.753,73 = P x a(n2,i2) ou P x a(15,12%)
		semestre 14	200,000.00
		semestre 15	200,000.00
		semestre 16	200,000.00
		semestre 17	200,000.00
		semestre 18	200,000.00
		semestre 19	200,000.00
		semestre 20	200,000.00		P =	0.00
	6	2%	ao mês
	
	
	
	
	
	
	
			M1	M2	M3
		1-Sep	1,000.00
		1-Oct	1,000.00
		1-Nov	1,000.00
		1-Dec	1,000.00
		1-Jan	1,000.00
		1-Feb	1,000.00
		1-Mar	1,000.00	1,000.00
		1-Apr	1,000.00	1,000.00
		1-May	1,000.00	1,000.00
		1-Jun	1,000.00	1,000.00
		1-Jul	1,000.00	1,000.00
		1-Aug	1,000.00	1,000.00
		1-Sep	1,000.00	1,000.00	1,000.00
		1-Oct	1,000.00	1,000.00	1,000.00
		1-Nov	1,000.00	1,000.00	1,000.00
		1-Dec	1,000.00	1,000.00	1,000.00
		1-Jan	1,000.00	1,000.00	1,000.00
		1-Feb	1,000.00	1,000.00	1,000.00
		M = M1 +M2 + M3	0.00	0.00	0.00
	
					M =	0.00
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	7	4%	ao mês
	
	
	
	
			A	A1	A2	A3
		período 1	3,000.00	1,000.00	1,000.00	1,000.00
		período 2	3,000.00	1,000.00	1,000.00	1,000.00
		período 3	3,000.00	1,000.00	1,000.00	1,000.00
		período 4	3,000.00	1,000.00	1,000.00	1,000.00
		período 5	3,000.00	1,000.00	1,000.00	1,000.00
		período 6	3,000.00	1,000.00	1,000.00	1,000.00
		período 7	2,000.00	1,000.00	1,000.00
		período 8	2,000.00	1,000.00	1,000.00
		período 9	2,000.00	1,000.00	1,000.00
		período 10	2,000.00	1,000.00	1,000.00
		período 11	2,000.00	1,000.00	1,000.00
		período 12	2,000.00	1,000.00	1,000.00
		período 13	1,000.00	1,000.00
		período 14	1,000.00	1,000.00
		período 15	1,000.00	1,000.00
		período 16	1,000.00	1,000.00
		período 17	1,000.00	1,000.00
		período 18	1,000.00	1,000.00
		A = A1 + A2 +A3		0.00	0.00	0.00
		A1 = 1.000,00 * a(18,4%)
		A2 = 1.000,00 * a(12,4%)
		A2 = 1.000,00 * a(6,4%)
					A =	0.00
	
	8	0.2%	por dia útil		taxa de permanência
						juros simples
		C = 2.000,00
		Vencimento	2ª feira	dia 8
		multa fixa	2.00%
		pagamento		dia 22
		Dias úteis de atraso (t):	9,10,11,12,15,16,17,18,19,22			10 dias úteis
	
		taxa de permanência	t * 0,2%	2.00%
		multa fixa		2.00%
	
		Valor do pagamento				2,080.00
	
	
	
	
	9	2%	ao mês
	
	
	
		à vista	25,000.00
		entrada	12,500.00
	
		financiamento carro	12,500.00
		seguro + taxa abertura	2,500.00
	
		total do financiamento	15,000.00
	
		15000.00	P x a(12,2%)
		P	15.000,00/a(12,2%)			0.00
	
	10	14%	ao ano
	
	
	
		semestre 1	60.00
		semestre 2	60.00
		semestre 3	60.00
		semestre 4	60.00	2.252191589
		semestre 5	60.00
		semestre 6	60.00
		semestre 7	60.00
		semestre 8	60.00
		semestre 9	60.00
		semestre 10	60.00
		semestre 11	60.00
		semestre 12	60.00	1,000.00
		E = 60 x a(12,7%) + 1000/(1 +0,07)12
	
			a(12,7%) =	0
			(1,07)12	2.252191589
					E =	0.00
	
	
	
	
	
	
	11	10%	ao ano
	
	
			A	A1	A2	A3
		ano1	400.00	200.00	200.00
		ano2	400.00	200.00	200.00
		ano3	400.00	200.00	200.00
		ano4	400.00	200.00	200.00
		ano5	200.00	200.00
		ano6	200.00	200.00
		ano7	200.00	200.00
		ano8	200.00	200.00
		ano9	200.00	200.00
		ano10	1,200.00	200.00		1,000.00
		A = A1 + A2 + A3	0.00	0.00	0	385.54
		A1 =200 * a(10,10%)
		A2 =200 * a(4,10%)			A =	2,248.43
		A1 =1000/(1 + 0,10)10
	
	
	12	4%	ao ano
	
	
		parcela 1	1,000.00
		parcela 2	1,000.00
		parcela 3	1,000.00
		parcela 4	1,000.00
		parcela 5	1,000.00
		parcela 6	1,000.00
		parcela 7	1,000.00
		parcela 8	1,000.00
		parcela 9	1,000.00
		parcela 10	1,000.00
		M =	1000+1000*1,04+1000*1,08+1*1,12 + ....
		M =	1000 * (1 + 1,04 +1,08 +1,12 +... + 1,36)
	
					M =	11,800.00
	
	14	3.6%	ao mês	juros simples
	
	
	
	
		M = C(1 + i)	C + 96 =	C (1 + 0,048)
			96 =	C + 0,048C - C
			96 =	0,048C
			C =	2000
		i = 3,6/30*40	4.8
					C =	2,000.00
	
	15	3.0%	ao mês
	
	
	
	
	
	
			A1		A2
		parcela 1	1,000.00		parcela 1
		parcela 2	1,000.00		parcela 2
		parcela 3	1,000.00		parcela 3
		parcela 4	1,000.00		parcela 4
		parcela 5	1,000.00		parcela 5
		parcela 6	1,000.00		parcela 6
		parcela 7	1,000.00		parcela 7
		parcela 8	1,000.00		parcela 8
					parcela 9
					parcela 10
					parcela 11
					parcela 12
					parcela 13
					parcela 14
					parcela 15
					parcela 16
			1000 * a(8,3%)			P * a(16,3%)
			0.00	P *	0
	
					P =	0.00
	
	
	
	
	
	16	10.0%	ao mês
	
	
	
				A1	A2	A3
		parcela 1	3000	1,000.00	1,000.00	1,000.00
		parcela 2	2000	1,000.00	1,000.00
		parcela 3	2000	1,000.00	1,000.00
		parcela 4	2000	1,000.00	1,000.00
		parcela 5	1000	1,000.00
		parcela 6	1000	1,000.00
		parcela 7	1000	1,000.00
		parcela 8	1000	1,000.00
	
				1000 * a(8,10%)	1000 * (4,10%)	1000* (1,10%)
	
			A	0.00	0.00	0.00
	
						0.00
	
	
	
	17	5%	ao mês	juros simples
	
	
		mês 1	1,200.00
		mês 2	60.00
		mês 3	60.00
		mês 4	60.00
		Dívida Atual	1,380.00		M =	1380.00
	
	
	18	12%	ao mês	TABELA PRICE
	
	
	
		S0 =	1,000.00	n =	3	P = 416,65
		J = ?	A = ?	S = ?
	
		k	Pk	Jk	Ak	Sk
		0	0	0	0	1,000.00
		1	416.35	120.00	296.35	703.65
		2	416.35	84.44	331.91	371.74
		3	416.35	44.61	371.74
	
	19	60%	ao ano	TABELA PRICE
	
		k	Pk	Jk	Ak	Sk
		0	0	0	0	200,000.00
		1	0.00	10,000.00	0.00	0.00
		2	0.00	0.00	0.00	0.00
		3	0.00	0.00	0.00
	
	20	5%	ao mês	SAC
						A = S0/n
		k	Pk	Jk	Ak	Sk
		0				36,000.00
		1	4,800.00	1,800.00	3,000.00	33,000.00
		2	4,650.00	1,650.00	3,000.00	30,000.00
		3	4,500.00	1,500.00	3,000.00	27,000.00
		4	4,350.00	1,350.00	3,000.00	24,000.00
		5	4,200.00	1,200.00	3,000.00	21,000.00
		6	4,050.00	1,050.00	3,000.00	18,000.00
		7	3,900.00	900.00	3,000.00	15,000.00
		8	3,750.00	750.00	3,000.00	12,000.00
		9	3,600.00	600.00	3,000.00	9,000.00
		10	3,450.00	450.00	3,000.00	6,000.00
		11	3,300.00	300.00	3,000.00	3,000.00
		12	3,150.00	150.00	3,000.00	0.00
	
			Pk = Ak + Jk
	21	5%	ao semestre
	
	
		data 0
		data 1	200,000.00	6 meses
		data 2
		data 3	200,000.00	18 meses
	
			400000*1,053 = P + P * 1,052
			463050	=	2,1025P
					P =	220,237.81
	
	
	
	
	
	
	
	22	9.27270%	ao trimestre		juros compostos
		3%	ao mês
	
	
		100000	30000	(à vista)	70.000 (financiado)
	
		Pagamentos	30,000	5º mês
			P	7º mês
	
		Dívida	70000
	
			70,000	30000/1,035 + P/1,047
	
					P =	58065.00
	
	
	
	23	3%	ao mês
	
		n = 18	90000
	
			P1= 90000/a(18,3%)
	
			P =	0.00
	
		9%	ao trimestre
	
		n	n = 4
	
			P2 = 90.000/a(4,9%)
	
			P= P1 + P2	0.00
	24	2%	ao mês
	
	
	
	
			20000(data 0) + 20000(data 6)
			ou
			E (data 0) + 17.000 (data 8)
	
	
			20000 8 1,028 + 20000*1,0102 = E * 1,028
					E =	23,250.00
	25
22.81%
E = Entrada de capital ou valor do lançamento do bônus.
A entrada de capital é igual à soma dos desembolsos na data focal 0.
Fator de Acumulação de Capital
	(1+i)n	1%	2%	3%	4%	5%	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%	16%	17%	18%	19%	20%	21%	22%	23%	24%	25%	26%	27%	28%	29%	30%
	1	1.010000	1.020000	1.030000	1.040000	1.050000	1.060000	1.070000	1.080000	1.090000	1.100000	1.110000	1.120000	1.130000	1.140000	1.150000	1.160000	1.170000	1.180000	1.190000	1.035189	1.210000	1.220000	1.230000	1.240000	1.250000	1.260000	1.270000	1.280000	1.290000	1.300000
	2	1.020100	1.040400	1.060900	1.081600	1.102500	1.123600	1.144900	1.166400	1.188100	1.210000	1.232100	1.254400	1.276900	1.299600	1.322500	1.345600	1.368900	1.392400	1.416100	1.041293	1.464100	1.488400	1.512900	1.537600	1.562500	1.587600	1.612900	1.638400	1.664100	1.690000
	3	1.030301	1.061208	1.092727	1.124864	1.157625	1.191016	1.225043	1.259712	1.295029	1.331000	1.367631	1.404928	1.442897	1.481544	1.520875	1.560896	1.601613	1.643032	1.685159	1.048480	1.771561	1.815848	1.860867	1.906624	1.953125	2.000376	2.048383	2.097152	2.146689	2.197000
	4	1.040604	1.082432	1.125509	1.169859	1.215506	1.262477	1.310796	1.360489	1.411582	1.464100	1.518070	1.573519	1.630474	1.688960	1.749006	1.810639	1.873887	1.938778	2.005339	1.056953	2.143589	2.215335	2.288866	2.364214	2.441406	2.520474	2.601446	2.684355	2.769229	2.856100
	5	1.051010	1.104081	1.159274	1.216653	1.276282	1.338226	1.402552	1.469328	1.538624	1.610510	1.685058	1.762342	1.842435	1.925415	2.011357	2.100342	2.192448	2.287758	2.386354	1.066952	2.593742	2.702708	2.815306	2.931625	3.051758	3.175797	3.303837	3.435974	3.572305	3.712930
	6	1.061520	1.126162	1.194052	1.265319	1.340096	1.418519	1.500730	1.586874	1.677100	1.771561	1.870415	1.973823	2.081952	2.194973	2.313061	2.436396	2.565164	2.699554	2.839761	1.078772	3.138428	3.297304	3.462826	3.635215	3.814697	4.001504	4.195873	4.398047	4.608274	4.826809
	7	1.072135	1.148686	1.229874	1.315932	1.407100	1.503630	1.605781	1.713824	1.828039	1.948717	2.076160	2.210681	2.352605	2.502269	2.660020	2.826220	3.001242	3.185474	3.379315	1.092767	3.797498	4.022711	4.259276	4.507667	4.768372	5.041895	5.328759	5.629500	5.944673	6.274852
	8	1.082857	1.171659	1.266770	1.368569	1.477455	1.593848	1.718186	1.850930	1.992563	2.143589	2.304538	2.475963	2.658444	2.852586	3.059023	3.278415	3.511453	3.758859	4.021385	1.109372	4.594973	4.907707	5.238909	5.589507	5.960464	6.352788	6.767523	7.205759	7.668628	8.157307
	9	1.093685	1.195093	1.304773	1.423312	1.551328	1.689479	1.838459	1.999005	2.171893	2.357948	2.558037	2.773079	3.004042	3.251949	3.517876	3.802961	4.108400	4.435454	4.785449	1.129121	5.559917	5.987403	6.443859	6.930988	7.450581	8.004513	8.594755	9.223372	9.892530	10.604499
	10	1.104622	1.218994	1.343916	1.480244	1.628895	1.790848	1.967151	2.158925	2.367364	2.593742	2.839421	3.105848	3.394567	3.707221	4.045558	4.411435	4.806828	5.233836	5.694684	1.152674	6.727500	7.304631	7.925946	8.594426	9.313226	10.085686	10.915339	11.805916	12.761364	13.785849
	11	1.115668	1.243374	1.384234	1.539454	1.710339	1.898299	2.104852	2.331639	2.580426	2.853117	3.151757	3.478550	3.835861	4.226232	4.652391	5.117265	5.623989	6.175926	6.776674	1.180855	8.140275	8.911650	9.748914	10.657088	11.641532	12.707965	13.862480	15.111573	16.462160	17.921604
	12	1.126825	1.268242	1.425761	1.601032	1.795856	2.012196	2.252192	2.518170	2.812665	3.138428	3.498451	3.895976	4.334523	4.817905	5.350250	5.936027	6.580067	7.287593	8.064242	1.214702	9.849733	10.872213	11.991164	13.214789	14.551915	16.012035	17.605350	19.342813	21.236186	23.298085
	13	1.138093	1.293607	1.468534	1.665074	1.885649	2.132928	2.409845	2.719624	3.065805	3.452271	3.883280	4.363493	4.898011	5.492411	6.152788	6.885791	7.698679	8.599359	9.596448	1.255537	11.918177	13.264100	14.749132	16.386338	18.189894	20.175165	22.358794	24.758801	27.394680	30.287511
	14	1.149474	1.319479	1.512590	1.731676	1.979932	2.260904	2.578534	2.937194	3.341727	3.797498	4.310441	4.887112	5.534753	6.261349	7.075706	7.987518	9.007454	10.147244	11.419773	1.305061	14.420994	16.182202	18.141432	20.319059	22.737368	25.420707	28.395668	31.691265	35.339137	39.373764
	15	1.160969	1.345868	1.557967	1.800944	2.078928	2.396558	2.759032	3.172169	3.642482	4.177248	4.784589	5.473566	6.254270	7.137938	8.137062	9.265521	10.538721	11.973748	13.589530	1.365488	17.449402	19.742287	22.313961	25.195633	28.421709	32.030091	36.062499	40.564819	45.587487	51.185893
	16	1.172579	1.372786	1.604706	1.872981	2.182875	2.540352	2.952164	3.425943	3.970306	4.594973	5.310894	6.130394	7.067326	8.137249	9.357621	10.748004	12.330304	14.129023	16.171540	1.439749	21.113777	24.085590	27.446172	31.242585	35.527137	40.357915	45.799373	51.922969	58.807859	66.541661
	17	1.184304	1.400241	1.652848	1.947900	2.292018	2.692773	3.158815	3.700018	4.327633	5.054470	5.895093	6.866041	7.986078	9.276464	10.761264	12.467685	14.426456	16.672247	19.244133	1.531777	25.547670	29.384420	33.758792	38.740806	44.408921	50.850973	58.165204	66.461400	75.862137	86.504159
	18	1.196147	1.428246	1.702433	2.025817	2.406619	2.854339	3.379932	3.996019	4.717120	5.559917	6.543553	7.689966	9.024268	10.575169	12.375454	14.462514	16.878953	19.673251	22.900518	1.646944	30.912681	35.848992	41.523314	48.038599	55.511151	64.072226	73.869809	85.070592	97.862157	112.455407
	19	1.208109	1.456811	1.753506	2.106849	2.526950	3.025600	3.616528	4.315701	5.141661	6.115909	7.263344	8.612762	10.197423	12.055693	14.231772	16.776517	19.748375	23.214436	27.251616	1.792728	37.404343	43.735771	51.073676	59.567863	69.388939	80.731005	93.814658	108.890357	126.242183	146.192029
	20	1.220190	1.485947	1.806111	2.191123	2.653298	3.207135	3.869684	4.660957	5.604411	6.727500	8.062312	9.646293	11.523088	13.743490	16.366537	19.460759	23.105599	27.393035	32.429423	1.979756	45.259256	53.357640	62.820622	73.864150	86.736174	101.721066	119.144615	139.379657	162.852416	190.049638
	21	1.232392	1.515666	1.860295	2.278768	2.785963	3.399564	4.140562	5.033834	6.108808	7.400250	8.949166	10.803848	13.021089	15.667578	18.821518	22.574481	27.033551	32.323781	38.591014	2.223493	54.763699	65.096321	77.269364	91.591546	108.420217	128.168543	151.313661	178.405962	210.079617	247.064529
	22	1.244716	1.545980	1.916103	2.369919	2.925261	3.603537	4.430402	5.436540	6.658600	8.140275	9.933574	12.100310	14.713831	17.861039	21.644746	26.186398	31.629255	38.142061	45.923307	2.547017	66.264076	79.417512	95.041318	113.573517	135.525272	161.492364	192.168350	228.359631	271.002705	321.183888
	23	1.257163	1.576899	1.973587	2.464716	3.071524	3.819750	4.740530	5.871464	7.257874	8.954302	11.026267	13.552347	16.626629	20.361585	24.891458	30.376222	37.006228	45.007632	54.648735	2.985776	80.179532	96.889364	116.900822	140.831161	169.406589	203.480379	244.053804	292.300327	349.593490	417.539054
	24	1.269735	1.608437	2.032794	2.563304	3.225100	4.048935	5.072367	6.341181	7.911083	9.849733	12.239157	15.178629	18.788091	23.212207	28.625176	35.236417	43.297287	53.109006	65.031994	3.595978	97.017234	118.205024	143.788010	174.630639	211.758237	256.385277	309.948332	374.144419	450.975602	542.800770
	25	1.282432	1.640606	2.093778	2.665836	3.386355	4.291871	5.427433	6.848475	8.623081	10.834706	13.585464	17.000064	21.230542	26.461916	32.918953	40.874244	50.657826	62.668627	77.388073	4.469983	117.390853	144.210130	176.859253	216.541993	264.697796	323.045450	393.634381	478.904857	581.758527	705.641001
	26	1.295256	1.673418	2.156591	2.772470	3.555673	4.549383	5.807353	7.396353	9.399158	11.918177	15.079865	19.040072	23.990513	30.166584	37.856796	47.414123	59.269656	73.948980	92.091807	5.765778	142.042932	175.936358	217.536881	268.512071	330.872245	407.037266	499.915664	612.998216	750.468500	917.333302
	27	1.308209	1.706886	2.221289	2.883369	3.733456	4.822346	6.213868	7.988061	10.245082	13.109994	16.738650	21.324881	27.109279	34.389906	43.535315	55.000382	69.345497	87.259797	109.589251	7.766113	171.871948	214.642357	267.570364	332.954968	413.590306	512.866956	634.892893	784.637717	968.104365	1192.533293
28	1.321291	1.741024	2.287928	2.998703	3.920129	5.111687	6.648838	8.627106	11.167140	14.420994	18.579901	23.883866	30.633486	39.204493	50.065612	63.800444	81.134232	102.966560	130.411208	11.003690	207.965057	261.863675	329.111547	412.864160	516.987883	646.212364	806.313974	1004.336278	1248.854630	1550.293280
	29	1.334504	1.775845	2.356566	3.118651	4.116136	5.418388	7.114257	9.317275	12.172182	15.863093	20.623691	26.749930	34.615839	44.693122	57.575454	74.008515	94.927051	121.500541	155.189338	16.542452	251.637719	319.473684	404.807203	511.951559	646.234854	814.227579	1024.018748	1285.550435	1611.022473	2015.381264
	30	1.347849	1.811362	2.427262	3.243398	4.321942	5.743491	7.612255	10.062657	13.267678	17.449402	22.892297	29.959922	39.115898	50.950159	66.211772	85.849877