% Juros

0.5%
1.0%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
4.5%
5.0%
5.5%
6.0%
6.5%
7.0%
7.5%
8.0%
8.5%
9.0%
9.5%
10.0%
10.5%
11.0%
11.5%
12.0%
12.5%
13.0%
13.5%
14.0%
14.5%
15.0%

2
1.99
1.97
1.96
1.94
1.93
1.91
1.90
1.89
1.87
1.86
1.85
1.83
1.82
1.81
1.80
1.78
1.77
1.76
1.75
1.74
1.72
1.71
1.70
1.69
1.68
1.67
1.66
1.65
1.64
1.63

3
2.97
2.94
2.91
2.88
2.86
2.83
2.80
2.78
2.75
2.72
2.70
2.67
2.65
2.62
2.60
2.58
2.55
2.53
2.51
2.49
2.47
2.44
2.42
2.40
2.38
2.36
2.34
2.32
2.30
2.28

4
3.95
3.90
3.85
3.81
3.76
3.72
3.67
3.63
3.59
3.55
3.51
3.47
3.43
3.39
3.35
3.31
3.28
3.24
3.20
3.17
3.14
3.10
3.07
3.04
3.01
2.97
2.94
2.91
2.88
2.85

5
4.93
4.85
4.78
4.71
4.65
4.58
4.52
4.45
4.39
4.33
4.27
4.21
4.16
4.10
4.05
3.99
3.94
3.89
3.84
3.79
3.74
3.70
3.65
3.60
3.56
3.52
3.47
3.43
3.39
3.35

6
5.90
5.80
5.70
5.60
5.51
5.42
5.33
5.24
5.16
5.08
5.00
4.92
4.84
4.77
4.69
4.62
4.55
4.49
4.42
4.36
4.29
4.23
4.17
4.11
4.05
4.00
3.94
3.89
3.84
3.78

7
6.86
6.73
6.60
6.47
6.35
6.23
6.11
6.00
5.89
5.79
5.68
5.58
5.48
5.39
5.30
5.21
5.12
5.03
4.95
4.87
4.79
4.71
4.64
4.56
4.49
4.42
4.35
4.29
4.22
4.16

8
7.82
7.65
7.49
7.33
7.17
7.02
6.87
6.73
6.60
6.46
6.33
6.21
6.09
5.97
5.86
5.75
5.64
5.53
5.43
5.33
5.24
5.15
5.06
4.97
4.88
4.80
4.72
4.64
4.56
4.49

9
8.78
8.57
8.36
8.16
7.97
7.79
7.61
7.44
7.27
7.11
6.95
6.80
6.66
6.52
6.38
6.25
6.12
6.00
5.88
5.76
5.65
5.54
5.43
5.33
5.23
5.13
5.04
4.95
4.86
4.77

10
9.73
9.47
9.22
8.98
8.75
8.53
8.32
8.11
7.91
7.72
7.54
7.36
7.19
7.02
6.86
6.71
6.56
6.42
6.28
6.14
6.01
5.89
5.77
5.65
5.54
5.43
5.32
5.22
5.12
5.02

11
10.68
10.37
10.07
9.79
9.51
9.25
9.00
8.76
8.53
8.31
8.09
7.89
7.69
7.50
7.32
7.14
6.97
6.81
6.65
6.50
6.35
6.21
6.07
5.94
5.81
5.69
5.57
5.45
5.34
5.23

12
11.62
11.26
10.91
10.58
10.26
9.95
9.66
9.39
9.12
8.86
8.62
8.38
8.16
7.94
7.74
7.54
7.34
7.16
6.98
6.81
6.65
6.49
6.34
6.19
6.05
5.92
5.79
5.66
5.54
5.42

13
12.56
12.13
11.73
11.35
10.98
10.63
10.30
9.99
9.68
9.39
9.12
8.85
8.60
8.36
8.13
7.90
7.69
7.49
7.29
7.10
6.92
6.75
6.58
6.42
6.27
6.12
5.98
5.84
5.71
5.58

Para obter a taxa mensal de juros cobrada numa operao de prestaes iguais basta:

Informar o valor efetivamente

financiado

Valor da Prestao

R$ 18,000.00

R$ 1,036.80

Agora procure na na coluna correspondente ao n de parcelas o ndice obtido na equao anterior e descubra os jur

DESCUBRA O % DE JUROS AO MS PAGOS

EM SUAS COMPRAS PARCELADAS
NMERO DE PRESTAES
14
13.49
13.00
12.54
12.11
11.69
11.30
10.92
10.56
10.22
9.90
9.59
9.29
9.01
8.75
8.49
8.24
8.01
7.79
7.57
7.37
7.17
6.98
6.80
6.63
6.46
6.30
6.15
6.00
5.86
5.72

15
14.42
13.87
13.34
12.85
12.38
11.94
11.52
11.12
10.74
10.38
10.04
9.71
9.40
9.11
8.83
8.56
8.30
8.06
7.83
7.61
7.39
7.19
7.00
6.81
6.63
6.46
6.30
6.14
5.99
5.85

16
15.34
14.72
14.13
13.58
13.06
12.56
12.09
11.65
11.23
10.84
10.46
10.11
9.77
9.45
9.14
8.85
8.58
8.31
8.06
7.82
7.60
7.38
7.17
6.97
6.78
6.60
6.43
6.27
6.11
5.95

17
16.26
15.56
14.91
14.29
13.71
13.17
12.65
12.17
11.71
11.27
10.86
10.48
10.11
9.76
9.43
9.12
8.83
8.54
8.28
8.02
7.78
7.55
7.33
7.12
6.92
6.73
6.55
6.37
6.21
6.05

18
17.17
16.40
15.67
14.99
14.35
13.75
13.19
12.66
12.16
11.69
11.25
10.83
10.43
10.06
9.71
9.37
9.06
8.76
8.47
8.20
7.95
7.70
7.47
7.25
7.04
6.84
6.65
6.47
6.29
6.13

N NDICE

17.36
anterior e descubra os juros embutidos no parcelamento

19
18.08
17.23
16.43
15.68
14.98
14.32
13.71
13.13
12.59
12.09
11.61
11.16
10.73
10.34
9.96
9.60
9.27
8.95
8.65
8.36
8.10
7.84
7.60
7.37
7.15
6.94
6.74
6.55
6.37
6.20

20
18.99
18.05
17.17
16.35
15.59
14.88
14.21
13.59
13.01
12.46
11.95
11.47
11.02
10.59
10.19
9.82
9.46
9.13
8.81
8.51
8.23
7.96
7.71
7.47
7.24
7.02
6.82
6.62
6.44
6.26

21
19.89
18.86
17.90
17.01
16.18
15.42
14.70
14.03
13.40
12.82
12.28
11.76
11.28
10.84
10.41
10.02
9.64
9.29
8.96
8.65
8.35
8.08
7.81
7.56
7.33
7.10
6.89
6.69
6.50
6.31

22
20.78
19.66
18.62
17.66
16.77
15.94
15.17
14.45
13.78
13.16
12.58
12.04
11.54
11.06
10.62
10.20
9.81
9.44
9.10
8.77
8.46
8.18
7.90
7.64
7.40
7.17
6.95
6.74
6.55
6.36

23
21.68
20.46
19.33
18.29
17.33
16.44
15.62
14.86
14.15
13.49
12.88
12.30
11.77
11.27
10.81
10.37
9.96
9.58
9.22
8.88
8.57
8.27
7.98
7.72
7.47
7.23
7.00
6.79
6.59
6.40

24
22.56
21.24
20.03
18.91
17.88
16.94
16.06
15.25
14.50
13.80
13.15
12.55
11.99
11.47
10.98
10.53
10.10
9.71
9.33
8.98
8.66
8.35
8.06
7.78
7.53
7.28
7.05
6.84
6.63
6.43

S PAGOS
ELADAS
25
23.45
22.02
20.72
19.52
18.42
17.41
16.48
15.62
14.83
14.09
13.41
12.78
12.20
11.65
11.15
10.67
10.23
9.82
9.44
9.08
8.74
8.42
8.12
7.84
7.58
7.33
7.09
6.87
6.66
6.46

26
24.32
22.80
21.40
20.12
18.95
17.88
16.89
15.98
15.15
14.38
13.66
13.00
12.39
11.83
11.30
10.81
10.35
9.93
9.53
9.16
8.81
8.49
8.18
7.90
7.63
7.37
7.13
6.91
6.69
6.49

27
25.20
23.56
22.07
20.71
19.46
18.33
17.29
16.33
15.45
14.64
13.90
13.21
12.57
11.99
11.44
10.94
10.46
10.03
9.62
9.24
8.88
8.55
8.24
7.94
7.67
7.41
7.16
6.94
6.72
6.51

28
26.07
24.32
22.73
21.28
19.96
18.76
17.67
16.66
15.74
14.90
14.12
13.41
12.75
12.14
11.57
11.05
10.57
10.12
9.70
9.31
8.94
8.60
8.28
7.98
7.70
7.44
7.19
6.96
6.74
6.53

29
26.93
25.07
23.38
21.84
20.45
19.19
18.04
16.98
16.02
15.14
14.33
13.59
12.91
12.28
11.70
11.16
10.66
10.20
9.77
9.37
9.00
8.65
8.33
8.02
7.74
7.47
7.22
6.98
6.76
6.55

30
27.79
25.81
24.02
22.40
20.93
19.60
18.39
17.29
16.29
15.37
14.53
13.76
13.06
12.41
11.81
11.26
10.75
10.27
9.83
9.43
9.05
8.69
8.36
8.06
7.77
7.50
7.24
7.00
6.78
6.57

31
28.65
26.54
24.65
22.94
21.40
20.00
18.74
17.59
16.54
15.59
14.72
13.93
13.20
12.53
11.92
11.35
10.83
10.34
9.89
9.48
9.09
8.73
8.40
8.08
7.79
7.52
7.26
7.02
6.79
6.58

32
29.50
27.27
25.27
23.47
21.85
20.39
19.07
17.87
16.79
15.80
14.90
14.08
13.33
12.65
12.02
11.43
10.90
10.41
9.95
9.53
9.13
8.77
8.43
8.11
7.82
7.54
7.28
7.03
6.81
6.59

33
30.35
27.99
25.88
23.99
22.29
20.77
19.39
18.15
17.02
16.00
15.08
14.23
13.46
12.75
12.11
11.51
10.97
10.46
10.00
9.57
9.17
8.80
8.46
8.14
7.84
7.56
7.29
7.05
6.82
6.60

34
31.20
28.70
26.48
24.50
22.72
21.13
19.70
18.41
17.25
16.19
15.24
14.37
13.58
12.85
12.19
11.59
11.03
10.52
10.05
9.61
9.20
8.83
8.48
8.16
7.85
7.57
7.31
7.06
6.83
6.61

35
32.04
29.41
27.08
25.00
23.15
21.49
20.00
18.66
17.46
16.37
15.39
14.50
13.69
12.95
12.27
11.65
11.09
10.57
10.09
9.64
9.23
8.86
8.50
8.18
7.87
7.59
7.32
7.07
6.84
6.62

36
32.87
30.11
27.66
25.49
23.56
21.83
20.29
18.91
17.67
16.55
15.54
14.62
13.79
13.04
12.35
11.72
11.14
10.61
10.13
9.68
9.26
8.88
8.52
8.19
7.88
7.60
7.33
7.08
6.84
6.62

% Juros
0.1%
0.2%
0.3%
0.4%
0.5%
0.6%
0.7%
0.8%
0.9%
1.0%

2
0.4998
0.4995
0.4993
0.4990
0.4988
0.4985
0.4983
0.4980
0.4978
0.4975

3
0.3330
0.3327
0.3323
0.3320
0.3317
0.3313
0.3310
0.3307
0.3304
0.3300

4
0.2496
0.2493
0.2489
0.2485
0.2481
0.2478
0.2474
0.2470
0.2467
0.2463

5
0.1996
0.1992
0.1988
0.1984
0.1980
0.1976
0.1972
0.1968
0.1964
0.1960

6
0.1663
0.1658
0.1654
0.1650
0.1646
0.1642
0.1638
0.1634
0.1630
0.1625

7
0.1424
0.1420
0.1416
0.1412
0.1407
0.1403
0.1399
0.1395
0.1390
0.1386

8
0.1246
0.1241
0.1237
0.1233
0.1228
0.1224
0.1220
0.1215
0.1211
0.1207

9
0.1107
0.1102
0.1098
0.1093
0.1089
0.1085
0.1080
0.1076
0.1072
0.1067

Para obter o n de meses poupando para alcanar o capital equivalente a compra vista com depsito

Valor da Prestao Informada pela Loja

Valor que est sendo Financiad

R$ 1,036.80

R$ 18,000.00

Veja em quanto TEMPO voc

O valor v

NMERO DE DEPSITOS MENSA

10
0.0996
0.0991
0.0987
0.0982
0.0978
0.0973
0.0969
0.0965
0.0960
0.0956

11
0.0905
0.0900
0.0896
0.0891
0.0887
0.0882
0.0878
0.0873
0.0869
0.0865

12
0.0829
0.0824
0.0820
0.0815
0.0811
0.0806
0.0802
0.0797
0.0793
0.0788

13
0.0765
0.0760
0.0755
0.0751
0.0746
0.0742
0.0737
0.0733
0.0729
0.0724

14
0.0710
0.0705
0.0700
0.0696
0.0691
0.0687
0.0682
0.0678
0.0673
0.0669

15
0.0662
0.0657
0.0653
0.0648
0.0644
0.0639
0.0635
0.0630
0.0626
0.0621

16
0.0620
0.0616
0.0611
0.0606
0.0602
0.0597
0.0593
0.0588
0.0584
0.0579

17
0.0584
0.0579
0.0574
0.0570
0.0565
0.0561
0.0556
0.0551
0.0547
0.0543

te a compra vista com depsitos iguais aos da prestao oferecida pelo mercado faa:

Valor que est sendo Financiado

R$ 18,000.00

N NDICE

0.0576

18
0.0551
0.0546
0.0542
0.0537
0.0532
0.0528
0.0523
0.0519
0.0514
0.0510

anto TEMPO voc conseguir acumular

O valor vista

O DE DEPSITOS MENSAIS
19
0.0522
0.0517
0.0512
0.0508
0.0503
0.0498
0.0494
0.0489
0.0485
0.0481

20
0.0495
0.0491
0.0486
0.0481
0.0477
0.0472
0.0468
0.0463
0.0459
0.0454

21
0.0471
0.0467
0.0462
0.0457
0.0453
0.0448
0.0444
0.0439
0.0435
0.0430

22
0.0450
0.0445
0.0440
0.0436
0.0431
0.0427
0.0422
0.0418
0.0413
0.0409

23
0.0430
0.0425
0.0421
0.0416
0.0411
0.0407
0.0402
0.0398
0.0393
0.0389

24
0.0412
0.0407
0.0402
0.0398
0.0393
0.0389
0.0384
0.0380
0.0375
0.0371

25
0.0395
0.0390
0.0386
0.0381
0.0377
0.0372
0.0367
0.0363
0.0358
0.0354

26
0.0380
0.0375
0.0370
0.0366
0.0361
0.0357
0.0352
0.0348
0.0343
0.0339

27
0.0366
0.0361
0.0356
0.0351
0.0347
0.0342
0.0338
0.0333
0.0329
0.0324

28
0.0352
0.0348
0.0343
0.0338
0.0334
0.0329
0.0325
0.0320
0.0316
0.0311

29
0.0340
0.0335
0.0331
0.0326
0.0321
0.0317
0.0312
0.0308
0.0303
0.0299

30
0.0329
0.0324
0.0319
0.0314
0.0310
0.0305
0.0301
0.0296
0.0292
0.0287

31
0.0318
0.0313
0.0308
0.0304
0.0299
0.0294
0.0290
0.0286
0.0281
0.0277

32
0.0308
0.0303
0.0298
0.0294
0.0289
0.0284
0.0280
0.0275
0.0271
0.0267

33
0.0298
0.0293
0.0289
0.0284
0.0279
0.0275
0.0270
0.0266
0.0262
0.0257

34
0.0289
0.0285
0.0280
0.0275
0.0271
0.0266
0.0262
0.0257
0.0253
0.0248

35
0.0281
0.0276
0.0271
0.0267
0.0262
0.0258
0.0253
0.0249
0.0244
0.0240

36
0.0273
0.0268
0.0263
0.0259
0.0254
0.0250
0.0245
0.0241
0.0236
0.0232