Prof.

Evandro S Farias / Andr Hochmuller

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
30
36
48
60
72

Tbua Financeira Valores de (1+i)n - Juros Compostos

0,5%

1%

1,5%

2%

2,5%

3%

3,5%

4%

4,5%

5%

5,5%

6%

8%

10%

15%

20%

24%

30%

36%

1.00500
1.01003
1.01508
1.02015
1.02525
1.03038
1.03553
1.04071
1.04591
1.05114
1.05639
1.06168
1.06699
1.07232
1.07768
1.08307
1.08849
1.09393
1.09939
1.10489
1.11042
1.11597
1.12155
1.12716
1.13279
1.16140
1.19668
1.27049
1.34885
1.43204

1.01000
1.02010
1.03030
1.04060
1.05101
1.06152
1.07214
1.08286
1.09369
1.10462
1.11567
1.12683
1.13809
1.14947
1.16097
1.17258
1.18430
1.19615
1.20811
1.22019
1.23239
1.24472
1.25716
1.26973
1.28243
1.34785
1.43077
1.61223
1.81669
2.04710

1.01500
1.03023
1.04568
1.06136
1.07728
1.09344
1.10985
1.12649
1.14339
1.16054
1.17795
1.19562
1.21355
1.23176
1.25023
1.26899
1.28802
1.30734
1.32695
1.34686
1.36706
1.38756
1.40838
1.42950
1.45095
1.56308
1.70914
2.04348
2.44322
2.92116

1.02000
1.04040
1.06121
1.08243
1.10408
1.12616
1.14869
1.17166
1.19509
1.21899
1.24337
1.26824
1.29361
1.31948
1.34587
1.37279
1.40024
1.42825
1.45681
1.48595
1.51567
1.54598
1.57689
1.60844
1.64061
1.81136
2.03989
2.58707
3.28103
4.16114

1.02500
1.05063
1.07689
1.10381
1.13141
1.15969
1.18869
1.21840
1.24886
1.28009
1.31209
1.34489
1.37851
1.41297
1.44830
1.48451
1.51262
1.55966
1.59865
1.63862
1.67958
1.72157
1.76461
1.80873
1.85394
2.09757
2.43254
3.27149
4.39979
5.91723

1.03000
1.06090
1.09273
1.12551
1.15927
1.19405
1.22987
1.26677
1.30477
1.34392
1.38423
1.42576
1.46853
1.51259
1.55797
1.60471
1.65285
1.70243
1.75351
1.80611
1.86029
1.91610
1.97359
2.03279
2.09378
2.42726
2.89828
4.13225
5.89160
8.40002

1.03500
1.07123
1.10872
1.14752
1.18769
1.22926
1.27228
1.31681
1.36289
1.41060
1.45997
1.51107
1.56396
1.61870
1.67535
1.73399
1.79468
1.85749
1.92250
1.98979
2.05943
2.13151
2.20611
2.28333
2.36325
2.80679
3.45027
5.21359
7.87809
11.9043

1.04000
1.08160
1.12486
1.16986
1.21665
1.26532
1.31593
1.36857
1.42331
1.48024
1.53945
1.60103
1.66507
1.73168
1.80094
1.87298
1.94790
2.02582
2.10685
2.19112
2.27877
2.36992
2.46472
2.56330
2.66584
3.24340
4.10393
6.57053
10.51963
16.84226

1.04500
1.09203
1.14117
1.19252
1.24618
1.30226
1.36086
1.42210
1.48610
1.55297
1.62285
1.69588
1.77220
1.85195
1.93528
2.02237
2.11338
2.20848
2.30786
2.41171
2.52024
2.63365
2.75217
2.87601
3.00543
3.74532
4.87738
8.27146
14.02741
23.78882

1.05000
1.10250
1.15763
1.21551
1.27628
1.34009
1.40710
1.47746
1.55133
1.62889
1.71034
1.79586
1.88565
1.97993
2.07893
2.18287
2.29202
2.40662
2.52695
2.65330
2.78596
2.92526
3.07152
3.22510
3.38636
4.32194
5.79182
10.40127
18.67919
33.54513

1.05500
1.11303
1.17424
1.23883
1.30696
1.37884
1.45468
1.53469
1.61909
1.70814
1.80209
1.90121
2.00577
2.11609
2.23248
2.35526
2.48480
2.62145
2.76565
2.91776
3.07823
3.24754
3.42615
3.61459
3.81339
4.98395
6.87208
13.06526
24.83977
47.22556

1.06000
1.12360
1.19102
1.26248
1.33823
1.41852
1.50363
1.59385
1.68948
1.79085
1.89830
2.01220
2.13293
2.26090
2.39656
2.54035
2.69277
2.85434
3.02560
3.20714
3.39956
3.60354
3.81975
4.04894
4.29187
5.74349
8.14725
16.39387
32.98769
66.37715

1.08000
1.16640
1.25971
1.36049
1.46933
1.58687
1.71382
1.85093
1.99900
2.15893
2.33164
2.51817
2.71962
2.93719
3.17217
3.42594
3.70002
3.99602
4.31570
4.66096
5.03383
5.43654
5.87146
6.34118
6.84848
10.06266
15.96817
40.21057
101.2571
254.9825

1.10000
1.21000
1.33100
1.46410
1.61051
1.77156
1.94872
2.14359
2.35795
2.59374
2.85312
3.13843
3.45227
3.79750
4.17725
4.59497
5.05447
5.55992
6.11591
6.72750
7.40025
8.14028
8.95430
9.84973
10.83471
17.44940
30.91268
97.01723
304.4816
955.5938

1.15000
1.32250
1.52088
1.74901
2.01136
2.31306
2.66002
3.05902
3.51788
4.04556
4.65239
5.35025
6.15279
7.07571
8.13706
9.35762
10.76126
12.37545
14.23177
16.36653
18.82152
21.64475
24.89146
28.62518
32.91895
66.21177
153.1519
819.4007
4383.999
23455.49

1.20000
1.44000
1.72800
2.07360
2.48832
2.98598
3.58318
4.29982
5.15978
6.19174
7.43008
8.91610
10.69932
12.83918
15.40702
18.48842
22.18611
26.62333
31.94800
38.33760
46.00512
55.20614
66.24738
79.49684
95.39622
237.3763
708.8019
6319.748
56347.51

1.24000
1.53760
1.90662
2.36421
2.93163
3.63522
4.50767
5.58951
6.93099
8.59443
10.65708
13.21478
16.38634
20.31905
25.19563
31.24259
38.74081
48.03860
59.56786
73.86415
91.59155
113.5735
140.8312
174.6306
216.5420
634.8199
2307.707
30495.86

1.30000
1.69000
2.19700
2.85610
3.71293
4.82681
6.27485
8.15731
10.60450
13.78585
17.92160
23.29808
30.28751
39.37376
51.18589
66.54166
86.50416
112.4554
146.1920
190.0496
247.0645
321.1839
417.5391
542.8008
705.6410
2619.996
12646.22

1.36000
1.84960
2.51546
3.42102
4.65259
6.32752
8.60543
11.70338
15.91660
21.64657
29.43933
40.03750
54.45099
74.05335
100.7125
136.9691
186.2779
253.3380
344.5397
468.5740
637.2606
866.6744
1178.677
1603.001
2180.081
10143.02
64180.15

294632
686437
159927

256961
102880
411909

502400

402996
532551

Abordagem financeira: a tbua apresentada apropriada para facilitar o clculo da taxa de juros (i) e relaciona o perodo da operao (n) com diferentes valores para a diviso M/C. Para
encontrar a taxa de juros de uma aplicao, basta dividir o Valor Futuro (Montante) pelo Valor Presente (Capital inicial) e procurar o resultado no respectivo perodo do clculo
M/C = (1+i)n. Exemplo: Qual a taxa de juros de uma aplicao de R$ 300,00 que gerou um montante (valor futuro) de R$ 439,23,durante 4 meses? Clculo: 439,23/300 = 1,46410. Procure
este nmero na linha que indica o perodo de 4 (n), quando encontrar, a taxa de juros estar indicada pela coluna correspondente, neste caso, a taxa ser de 10% ao ms.