Tipo

Produo

Despesas administrativas

Despesas de vendas

Despesas financeiras

Gasto
Matria prima
Mo de obra
Aluguel de equipamentos
Depreciao de equipamentos
Manuteno
Aluguel do espao
Depreciao da propriedade
Energia eltrica
Seguros
Total
Material de escritrio
Salrios da administrao
Aluguel do espao
Depreciao da propriedade
Despesas gerais (telefone, internet, etc.)
Encargos trabalhistas
Total
Salrios do setor de vendas
Manunteno e garantia
Entrega
Despesas gerais de vendas
Total
Total
Total

Valor
R$ 450,000.00
R$
30,000.00
R$ 200,000.00
R$
R$
4,600.00
R$
10,000.00
R$
R$
1,600.00
R$
17,000.00
R$ 713,200.00
R$
1,500.00
R$
10,000.00
R$
2,000.00
R$
R$
1,000.00
R$
60,000.00
R$
74,500.00
R$
4,500.00
R$
5,000.00
R$
1,200.00
R$
3,000.00
R$
13,700.00
R$
R$ 801,400.00

Gasto
Matria prima
Mo de obra
Aluguel de equipamentos
Energia eltrica
Depreciao de equipamentos
Manuteno
Aluguel do espao
Depreciao da propriedade
Seguros
Total

Custos Diretos
R.O.V.BRAS200
R$ 150,000.00
R$
5,000.00
R$
60,000.00
R$
500.00

###

Custos Diretos
R.O.V.BRAS500
R$ 300,000.00
R$
10,000.00
R$ 140,000.00
R$
700.00

###

Custos Indiretos
R$
R$
R$
R$
R$
R$
R$
R$
R$

15,000.00
50,000.00
200.00
2,300.00
10,000.00
8,500.00
86,000.00

Total
R$ 450,000.00
R$
30,000.00
R$ 250,000.00
R$
1,400.00
R$
R$
2,300.00
R$
10,000.00
R$
R$
8,500.00
R$ 752,200.00

Gastos
Matria prima
Porcentagem
Custos Indiretos
Custos Indiretos/un.
Custos Diretos
Custo Total
Preo de Venda
Lucro Bruto Unitrio
Margem de Lucro

R.O.V.BRAS200
R$ 150,000.00
33.33%
R$
28,666.67
R$
2,388.89
R$
17,958.33
R$
20,347.22
R$
30,000.00
R$
9,652.78
32.18%

R.O.V.BRAS500
R$ 300,000.00
66.67%
R$
57,333.33
R$
4,777.78
R$
37,558.33
R$
42,336.11
R$ 100,000.00
R$
57,663.89
57.66%

Gastos
Mo de Obra Direta
Porcentagem
Custos Indiretos
Custos Indiretos/un.
Custos Diretos
Custo Total
Preo de Venda
Lucro Bruto Unitrio
Margem de Lucro

R.O.V.BRAS200
R$
5,000.00
33.33%
R$
28,666.67
R$
2,388.89
R$
17,958.33
R$
20,347.22
R$
30,000.00
R$
9,652.78
32.18%

R.O.V.BRAS500
R$
10,000.00
66.67%
R$
57,333.33
R$
4,777.78
R$
37,558.33
R$
42,336.11
R$ 100,000.00
R$
57,663.89
57.66%

Gastos
Custos Diretos
Porcentagem
Custos Indiretos
Custos Indiretos/un.
Custos Diretos
Custo Total
Preo de Venda
Lucro Bruto Unitrio
Margem de Lucro

R.O.V.BRAS200
R$ 215,500.00
32.35%
R$
27,818.97
R$
2,318.25
R$
17,958.33
R$
20,276.58
R$
30,000.00
R$
9,723.42
32.41%

R.O.V.BRAS500
R$ 450,700.00
67.65%
R$
58,181.03
R$
4,848.42
R$
37,558.33
R$
42,406.75
R$ 100,000.00
R$
57,593.25
57.59%

R$

Total
450,000.00
100.00%

R$

86,000.00

R$
666,200.00
R$
752,200.00
R$ 1,560,000.00
R$
807,800.00
51.78%
Total
R$
15,000.00
100.00%
R$

86,000.00

R$
666,200.00
R$
752,200.00
R$ 1,560,000.00
R$
807,800.00
51.78%
Total
R$
666,200.00
100.00%
R$

86,000.00

R$
666,200.00
R$
752,200.00
R$ 1,560,000.00
R$
807,800.00
51.78%

Setor

Atividade
Projeto
Manufatura

Produo
Acabamento
Manuteno e Garantia
Matria Prima
Compras

Geral
Negociar com fornecedores
Expanso no mercado

Vendas
Vendas propriamente ditas
Administrativo

Setor

Produo

Compras

Patrimnio
Encargos trabalhistas

Etapa de Produo
Projeto
Manufatura
Acabamento
Manuteno e Garantia
Matria Prima
Geral
Negociar com fornecedores

Expanso no mercado
Vendas propriamente ditas
Patrimnio
Administrativo
Encargos trabalhistas
Custos Indiretos
Vendas

Custos Diretos
Custo Total
Preo de Venda
Lucro Bruto Unitrio
Margem de Lucro

R.O.V.BRAS200
12

Unidades Produzidas

Direcionador

R.O.V.BRAS500
12

Total
24

R.O.V. Inspeo R.O.V. Operao

Total

Tempo despendido (h)/un.

Tempo despendido (total)
Tempo despendido (h)/un.
Tempo despendido (total)
Tempo despendido (h)/un.
Tempo despendido (total)
Visitas tcnicas/un.
Visitas tcnicas (total)

200
2400
28
336
16
192
3
36

400
4800
48
576
10
120
7
84

7200
912
312
120

Demanda

12

12

24

Demanda

12

12

24

Nmero de fornecedores

12

20

Nmero de clientes

10

16

Demanda

12

12

24

rea utilizada para produo (m2)

50

30

80

Tempo despendido (produo)

2928

5496

8424

R.O.V.BRAS200

R.O.V.BRAS500

Total

R$
R$
R$
R$
R$
R$

7,066.67 R$
8,842.11 R$
1,476.92 R$
450.00 R$
16,000.00 R$
400.00 R$

R$

160.00 R$

R$
R$
R$
R$
R$

450.00
550.00
375.00
382.34
3,012.75

R$
R$
R$
R$
R$

14,133.33
15,157.89
923.08
1,050.00
16,000.00
400.00

R$
R$
R$
R$
R$
R$

21,200.00
24,000.00
2,400.00
1,500.00
32,000.00
800.00

240.00 R$

400.00

450.00
550.00
225.00
717.66
4,153.91

R$
R$
R$
R$
R$

900.00
1,100.00
600.00
1,100.00
86,000.00

R$
R$
R$
R$

17,958.33
20,971.09
30,000.00
9,028.91
30.10%

R$
R$
R$
R$

37,558.33
41,712.25
100,000.00
58,287.75
58.29%

R$
666,200.00
R$
752,200.00
R$ 1,560,000.00
R$
807,800.00
51.78%

2012
Ativo
Circulante
Caixa
Estoque
Contas a receber

No circulante
No realizvel
Ttulos a receber

Permanente
Investimento
Intangvel
Imobilizado
Equipamentos
Propriedades
Diferido

R$
98,000.00
R$
9,000.00
R$
60,000.00
R$ 167,000.00

R$
R$

20,000.00
20,000.00

R$
R$

R$
R$
R$
R$

R$ 187,000.00

2013

2012

2013

Passivo

R$ 166,000.00
R$
11,000.00
R$
75,000.00
R$ 252,000.00

R$
R$

25,000.00
25,000.00

R$
R$

4,000.00
-

R$
R$
R$
R$

1,200.00
5,200.00

Circulante
Fornecedores
Salrios
Contas a pagar
Impostos

No circulante
Exigvel a longo prazo
Emprstimos
Ttulos a pagar

Patrimnio lquido
Capital social
Lucro acumulado

R$
45,000.00
R$
65,000.00
R$
3,500.00
R$
24,000.00
R$ 137,500.00

R$
75,000.00
R$
80,000.00
R$
6,000.00
R$
50,000.00
R$ 211,000.00

R$
R$
R$

12,000.00
3,500.00
15,500.00

R$
R$
R$

5,000.00
1,200.00
6,200.00

R$
R$
R$

2,000.00
32,000.00
34,000.00

R$
R$
R$

8,500.00
56,500.00
65,000.00

R$ 187,000.00
R$ 282,200.00

R$ 282,200.00

Receita Bruta
(-) IPI
(-) ICMS
(-) ISS
(-) PIS
(-) CONFINS
(-) Devolues
Receita Lquida
(-) Custo dos produtos e servios
Lucro Bruto
(-) Despesas operacionais
(-) Despesas com vendas
(-) Despesas administrativas
(-) Despesas financeiras
(+/-) Outras despesas e receitas operacionais
Lucro Operacional Lquido
(+) Receitas no operacionais
(-) Despesas no operacionais
Lucro Antes do Imposto de Renda
(-) Imposto de renda
(-) Contribuio social
Lucro Depois do Imposto de Renda
(-) Participao
Lucro Lquido

2012
R$ 160,500.00
R$
1,000.00
R$
300.00
R$
1,400.00
R$
800.00
R$
1,300.00
R$
4,400.00

2013
R$ 259,000.00
R$
2,500.00
R$
650.00
R$
1,600.00
R$
950.00
R$
2,400.00
R$
13,400.00

R$ 151,300.00
R$
65,000.00

R$ 237,500.00
R$ 104,000.00

R$

86,300.00

R$ 133,500.00

R$
R$
R$
R$

1,100.00
6,500.00
5,700.00
2,000.00

R$
R$
R$

71,000.00
3,500.00
2,200.00

R$ 109,400.00
R$
5,500.00
R$
3,200.00

R$
R$
R$

72,300.00
19,882.50
2,000.00

R$ 111,700.00
R$
30,717.50
R$
8,500.00

R$
R$

50,417.50
15,000.00

R$
R$

72,482.50
15,000.00

R$

35,417.50

R$

57,482.50

R$
R$
R$
R$

2,300.00
12,000.00
7,300.00
2,500.00

Entradas
Previso de recebimento vendas
Contas a Receber
Outros recebimentos
Sadas
Fornecedores
Folha de pagamento
INSS a recolher
FGTS
Impostos s/ vendas
Aluguis
Energia eltrica
Telefone
Servios contabilidade
Combustveis
Manut. de veculos
Manuteno fbrica
Despesas diversas
Frias
13 salrio
Verbas para resciso
Financiamentos equip.
Pagamento de Juros
Despesas financeiras
Outros pagamentos
Retiradas scios
Entrada - Sada
Saldo Anterior
Saldo Atual
Tomada de Emprstimo
Saldo Final (Sem pagamento Emprstimo)
Pagamento da Amortizao do Emprstimo
Saldo Final

R$
R$

jan-15
130,000.00
130,000.00

-R$

19,940.41

R$

R$

19,940.41

R$
R$
R$
R$
R$
R$
R$

149,940.41
1,000,000.00
1,149,940.41
1,149,940.41
1,149,940.41

Nmero de parcelas
Juros
Financiamento
Inicial
Restante
Juros

R$
R$
R$

1,000,000.00
1,000,000.00
3,273.74

Amortizao
TOTAL

R$
R$

16,666.67
19,940.41

Juros
Imprstimo
Restante
Juros
Amortizao
TOTAL

R$
R$
R$
R$

7.06%

2015
R$
R$

R$

R$

fev-15
130,000.00 R$
130,000.00 R$

19,885.84

R$

R$

mar-15
130,000.00 R$
130,000.00 R$

19,831.28

R$

R$

abr-15
130,000.00 R$
130,000.00 R$

19,776.72

R$

R$

mai-15
130,000.00
130,000.00

19,722.16

R$
R$

19,885.84 R$
R$

19,831.28 R$
R$

19,776.72 R$
R$

19,722.16
-

R$
R$
R$
R$
R$
R$
R$

110,114.16 R$
1,149,940.41 R$
1,260,054.56 R$
R$
1,260,054.56 R$
R$
1,260,054.56 R$

110,168.72 R$
1,260,054.56 R$
1,370,223.28 R$
R$
1,370,223.28 R$
R$
1,370,223.28 R$

110,223.28 R$
1,370,223.28 R$
1,480,446.56 R$
R$
1,480,446.56 R$
R$
1,480,446.56 R$

110,277.84
1,480,446.56
1,590,724.40
1,590,724.40
1,590,724.40

60
0.33%

R$
R$

983,333.33
3,219.18

R$
R$

966,666.67
3,164.62

R$
R$

950,000.00
3,110.05

R$
R$

933,333.33
3,055.49

R$
R$

16,666.67
19,885.84

R$
R$

16,666.67
19,831.28

R$
R$

16,666.67
19,776.72

R$
R$

16,666.67
19,722.16

1.00%

R$
R$
R$
R$

R$
R$
R$
R$

R$
R$
R$
R$

R$
R$
R$
R$

R$
R$

R$

R$

2015
jun-15
130,000.00 R$
130,000.00 R$

19,667.59

R$

R$

jul-15
130,000.00 R$
130,000.00 R$

19,613.03

R$

R$

ago-15
130,000.00 R$
130,000.00 R$

19,558.47

R$

R$

set-15
130,000.00
130,000.00

19,503.91

R$
R$

19,667.59 R$
R$

19,613.03 R$
R$

19,558.47 R$
R$

19,503.91
-

R$
R$
R$
R$
R$
R$
R$

110,332.41 R$
1,590,724.40 R$
1,701,056.81 R$
R$
1,701,056.81 R$
R$
1,701,056.81 R$

110,386.97 R$
1,701,056.81 R$
1,811,443.78 R$
R$
1,811,443.78 R$
R$
1,811,443.78 R$

110,441.53 R$
1,811,443.78 R$
1,921,885.31 R$
R$
1,921,885.31 R$
R$
1,921,885.31 R$

110,496.09
1,921,885.31
2,032,381.40
2,032,381.40
2,032,381.40

R$
R$

916,666.67
3,000.93

R$
R$

900,000.00
2,946.37

R$
R$

883,333.33
2,891.80

R$
R$

866,666.67
2,837.24

R$
R$

R$
R$
R$
R$

16,666.67
19,667.59

R$
R$

R$
R$
R$
R$

16,666.67
19,613.03

R$
R$

R$
R$
R$
R$

16,666.67
19,558.47

R$
R$

R$
R$
R$
R$

16,666.67
19,503.91

R$
R$

R$

R$

out-15
130,000.00 R$
130,000.00 R$

19,449.35

nov-15
130,000.00 R$
130,000.00

dez-15
130,000.00 R$
###

jan-16
20,000.00 R$

fev-16
20,000.00

R$

519,394.78 R$

19,340.22 R$

19,285.66 R$

19,231.10

R$

500,000.00

R$

R$
R$

19,449.35 R$
R$

R$
R$
R$
R$
R$
R$
R$

110,550.65 -R$
2,032,381.40 R$
2,142,932.05 R$
R$
2,142,932.05 R$
R$
2,142,932.05 R$

R$
R$

850,000.00
2,782.68

R$
R$

R$

19,394.78 R$
- R$

389,394.78
2,142,932.05
1,753,537.27
1,753,537.27
1,753,537.27

R$
R$
R$
R$
R$
R$
R$

833,333.33 R$
2,728.12 R$

R$

19,340.22 R$
- R$

110,659.78
1,753,537.27
1,864,197.05
1,864,197.05
1,864,197.05

R$
R$
R$
R$
R$
R$
R$

816,666.67 R$
2,673.55 R$

R$

19,285.66 R$
- R$

714.34
1,864,197.05
1,864,911.39
1,864,911.39
1,864,911.39

19,231.10
-

R$
R$
R$
R$
R$
R$
R$

768.90
1,864,911.39
1,865,680.29
1,865,680.29
1,865,680.29

800,000.00 R$
2,618.99 R$

783,333.33
2,564.43

R$
R$

R$
R$
R$
R$

16,666.67
19,449.35

R$
R$

R$
R$
R$
R$

16,666.67 R$
19,394.78 R$

R$
R$
R$
R$

16,666.67 R$
19,340.22 R$

R$
R$
R$
R$

16,666.67 R$
19,285.66 R$

R$
R$
R$
R$

16,666.67
19,231.10

R$

mar-16
20,000.00 R$

abr-16
20,000.00 R$

mai-16
20,000.00 R$

jun-16
20,000.00 R$

jul-16
20,000.00

R$

19,176.53 R$

19,121.97 R$

19,067.41 R$

19,012.85 R$

18,958.28

R$
R$
R$

R$
R$
R$
R$
R$
R$
R$

R$
R$

R$

19,176.53 R$
- R$

823.47
1,865,680.29
1,866,503.76
1,866,503.76
1,866,503.76

R$
R$
R$
R$
R$
R$
R$

766,666.67 R$
2,509.87 R$

R$

19,121.97 R$
- R$

878.03
1,866,503.76
1,867,381.79
1,867,381.79
1,867,381.79

R$
R$
R$
R$
R$
R$
R$

750,000.00 R$
2,455.30 R$

R$

19,067.41 R$
- R$

932.59
1,867,381.79
1,868,314.38
1,868,314.38
1,868,314.38

R$
R$
R$
R$
R$
R$
R$

733,333.33 R$
2,400.74 R$

R$

19,012.85 R$
- R$

987.15
1,868,314.38
1,869,301.53
1,869,301.53
1,869,301.53

18,958.28
-

R$
R$
R$
R$
R$
R$
R$

1,041.72
1,869,301.53
1,870,343.25
1,870,343.25
1,870,343.25

716,666.67 R$
2,346.18 R$

700,000.00
2,291.62

R$
R$

R$
R$
R$
R$

16,666.67 R$
19,176.53 R$

R$
R$
R$
R$

16,666.67 R$
19,121.97 R$

R$
R$
R$
R$

16,666.67 R$
19,067.41 R$

R$
R$
R$
R$

16,666.67 R$
19,012.85 R$

R$
R$
R$
R$

16,666.67
18,958.28

R$

ago-16
20,000.00 R$

set-16
20,000.00 R$

out-16
20,000.00 R$

nov-16
20,000.00 R$

dez-16
20,000.00

R$

18,903.72 R$

18,849.16 R$

18,794.60 R$

18,740.04 R$

18,685.47

R$
R$
R$

R$
R$
R$
R$
R$
R$
R$

R$
R$

R$

18,903.72 R$
- R$

1,096.28
1,870,343.25
1,871,439.53
1,871,439.53
1,871,439.53

R$
R$
R$
R$
R$
R$
R$

683,333.33 R$
2,237.06 R$

R$

18,849.16 R$
- R$

1,150.84
1,871,439.53
1,872,590.37
1,872,590.37
1,872,590.37

R$
R$
R$
R$
R$
R$
R$

666,666.67 R$
2,182.49 R$

R$

18,794.60 R$
- R$

1,205.40
1,872,590.37
1,873,795.77
1,873,795.77
1,873,795.77

R$
R$
R$
R$
R$
R$
R$

650,000.00 R$
2,127.93 R$

R$

18,740.04 R$
- R$

1,259.96
1,873,795.77
1,875,055.73
1,875,055.73
1,875,055.73

18,685.47
-

R$
R$
R$
R$
R$
R$
R$

1,314.53
1,875,055.73
1,876,370.26
1,876,370.26
1,876,370.26

633,333.33 R$
2,073.37 R$

616,666.67
2,018.81

R$
R$

R$
R$
R$
R$

16,666.67 R$
18,903.72 R$

R$
R$
R$
R$

16,666.67 R$
18,849.16 R$

R$
R$
R$
R$

16,666.67 R$
18,794.60 R$

R$
R$
R$
R$

16,666.67 R$
18,740.04 R$

R$
R$
R$
R$

16,666.67
18,685.47

R$

jan-17
20,000.00 R$

fev-17
20,000.00 R$

mar-17
20,000.00 R$

abr-17
20,000.00 R$

mai-17
20,000.00

R$

18,630.91 R$

18,576.35 R$

18,521.79 R$

18,467.22 R$

18,412.66

R$
R$
R$

R$
R$
R$
R$
R$
R$
R$

R$
R$

R$

18,630.91 R$
- R$

1,369.09
1,876,370.26
1,877,739.35
1,877,739.35
1,877,739.35

R$
R$
R$
R$
R$
R$
R$

600,000.00 R$
1,964.24 R$

R$

18,576.35 R$
- R$

1,423.65
1,877,739.35
1,879,163.00
1,879,163.00
1,879,163.00

R$
R$
R$
R$
R$
R$
R$

583,333.33 R$
1,909.68 R$

R$

18,521.79 R$
- R$

1,478.21
1,879,163.00
1,880,641.22
1,880,641.22
1,880,641.22

R$
R$
R$
R$
R$
R$
R$

566,666.67 R$
1,855.12 R$

R$

18,467.22 R$
- R$

1,532.78
1,880,641.22
1,882,173.99
1,882,173.99
1,882,173.99

18,412.66
-

R$
R$
R$
R$
R$
R$
R$

1,587.34
1,882,173.99
1,883,761.33
1,883,761.33
1,883,761.33

550,000.00 R$
1,800.56 R$

533,333.33
1,745.99

R$
R$

R$
R$
R$
R$

16,666.67 R$
18,630.91 R$

R$
R$
R$
R$

16,666.67 R$
18,576.35 R$

R$
R$
R$
R$

16,666.67 R$
18,521.79 R$

R$
R$
R$
R$

16,666.67 R$
18,467.22 R$

R$
R$
R$
R$

16,666.67
18,412.66

R$

jun-17
20,000.00 R$

jul-17
20,000.00 R$

ago-17
20,000.00 R$

set-17
20,000.00 R$

out-17
20,000.00

R$

18,358.10 R$

18,303.54 R$

18,248.97 R$

18,194.41 R$

18,139.85

R$
R$
R$

R$
R$
R$
R$
R$
R$
R$

R$
R$

R$

18,358.10 R$
- R$

1,641.90
1,883,761.33
1,885,403.23
1,885,403.23
1,885,403.23

R$
R$
R$
R$
R$
R$
R$

516,666.67 R$
1,691.43 R$

R$

18,303.54 R$
- R$

1,696.46
1,885,403.23
1,887,099.70
1,887,099.70
1,887,099.70

R$
R$
R$
R$
R$
R$
R$

500,000.00 R$
1,636.87 R$

R$

18,248.97 R$
- R$

1,751.03
1,887,099.70
1,888,850.72
1,888,850.72
1,888,850.72

R$
R$
R$
R$
R$
R$
R$

483,333.33 R$
1,582.31 R$

R$

18,194.41 R$
- R$

1,805.59
1,888,850.72
1,890,656.31
1,890,656.31
1,890,656.31

18,139.85
-

R$
R$
R$
R$
R$
R$
R$

1,860.15
1,890,656.31
1,892,516.46
1,892,516.46
1,892,516.46

466,666.67 R$
1,527.75 R$

450,000.00
1,473.18

R$
R$

R$
R$
R$
R$

16,666.67 R$
18,358.10 R$

R$
R$
R$
R$

16,666.67 R$
18,303.54 R$

R$
R$
R$
R$

16,666.67 R$
18,248.97 R$

R$
R$
R$
R$

16,666.67 R$
18,194.41 R$

R$
R$
R$
R$

16,666.67
18,139.85

R$

nov-17
20,000.00 R$

dez-17
20,000.00

R$

18,085.29 R$

18,030.72

R$
R$
R$

R$
R$
R$
R$
R$
R$
R$

R$
R$

R$

18,085.29 R$
- R$

1,914.71
1,892,516.46
1,894,431.17
1,894,431.17
1,894,431.17

18,030.72
-

R$
R$
R$
R$
R$
R$
R$

1,969.28
1,894,431.17
1,896,400.45
1,896,400.45
1,896,400.45

433,333.33 R$
1,418.62 R$

416,666.67
1,364.06

R$
R$

R$
R$
R$
R$

16,666.67 R$
18,085.29 R$

R$
R$
R$
R$

16,666.67
18,030.72

SAC

divida
0.53% n
amort
juros
1 R$ 16,666.67 R$ 5,261.69
2 R$ 16,666.67 R$ 5,174.00
3 R$ 16,666.67 R$ 5,086.30
4 R$ 16,666.67 R$ 4,998.61
5 R$ 16,666.67 R$ 4,910.91
6 R$ 16,666.67 R$ 4,823.22
7 R$ 16,666.67 R$ 4,735.52
8 R$ 16,666.67 R$ 4,647.83
9 R$ 16,666.67 R$ 4,560.14
10 R$ 16,666.67 R$ 4,472.44
11 R$ 16,666.67 R$ 4,384.75
12 R$ 16,666.67 R$ 4,297.05
13 R$ 16,666.67 R$ 4,209.36
14 R$ 16,666.67 R$ 4,121.66
15 R$ 16,666.67 R$ 4,033.97
16 R$ 16,666.67 R$ 3,946.27
17 R$ 16,666.67 R$ 3,858.58
18 R$ 16,666.67 R$ 3,770.88
19 R$ 16,666.67 R$ 3,683.19
20 R$ 16,666.67 R$ 3,595.49
21 R$ 16,666.67 R$ 3,507.80
22 R$ 16,666.67 R$ 3,420.10
23 R$ 16,666.67 R$ 3,332.41
24 R$ 16,666.67 R$ 3,244.71
25 R$ 16,666.67 R$ 3,157.02
26 R$ 16,666.67 R$ 3,069.32
27 R$ 16,666.67 R$ 2,981.63
28 R$ 16,666.67 R$ 2,893.93
29 R$ 16,666.67 R$ 2,806.24
30 R$ 16,666.67 R$ 2,718.54
31 R$ 16,666.67 R$ 2,630.85
32 R$ 16,666.67 R$ 2,543.15
33 R$ 16,666.67 R$ 2,455.46
34 R$ 16,666.67 R$ 2,367.76
35 R$ 16,666.67 R$ 2,280.07
36 R$ 16,666.67 R$ 2,192.37
37 R$ 16,666.67 R$ 2,104.68
38 R$ 16,666.67 R$ 2,016.98
39 R$ 16,666.67 R$ 1,929.29
40 R$ 16,666.67 R$ 1,841.59
41 R$ 16,666.67 R$ 1,753.90
42 R$ 16,666.67 R$ 1,666.20

R$ 1,000,000.00
60
total
Saldo
R$
21,928.36 R$
R$
21,840.67 R$
R$
21,752.97 R$
R$
21,665.28 R$
R$
21,577.58 R$
R$
21,489.89 R$
R$
21,402.19 R$
R$
21,314.50 R$
R$
21,226.80 R$
R$
21,139.11 R$
R$
21,051.41 R$
R$
20,963.72 R$
R$
20,876.02 R$
R$
20,788.33 R$
R$
20,700.63 R$
R$
20,612.94 R$
R$
20,525.24 R$
R$
20,437.55 R$
R$
20,349.85 R$
R$
20,262.16 R$
R$
20,174.46 R$
R$
20,086.77 R$
R$
19,999.07 R$
R$
19,911.38 R$
R$
19,823.68 R$
R$
19,735.99 R$
R$
19,648.29 R$
R$
19,560.60 R$
R$
19,472.90 R$
R$
19,385.21 R$
R$
19,297.51 R$
R$
19,209.82 R$
R$
19,122.12 R$
R$
19,034.43 R$
R$
18,946.73 R$
R$
18,859.04 R$
R$
18,771.34 R$
R$
18,683.65 R$
R$
18,595.95 R$
R$
18,508.26 R$
R$
18,420.56 R$
R$
18,332.87 R$

16666.666667
devedor
983,333.33
966,666.67
950,000.00
933,333.33
916,666.67
900,000.00
883,333.33
866,666.67
850,000.00
833,333.33
816,666.67
800,000.00
783,333.33
766,666.67
750,000.00
733,333.33
716,666.67
700,000.00
683,333.33
666,666.67
650,000.00
633,333.33
616,666.67
600,000.00
583,333.33
566,666.67
550,000.00
533,333.33
516,666.67
500,000.00
483,333.33
466,666.67
450,000.00
433,333.33
416,666.67
400,000.00
383,333.33
366,666.67
350,000.00
333,333.33
316,666.67
300,000.00

43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$
16,666.67 R$

1,578.51
1,490.81
1,403.12
1,315.42
1,227.73
1,140.03
1,052.34
964.64
876.95
789.25
701.56
613.86
526.17
438.47
350.78
263.08
175.39
87.69

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

18,245.17
18,157.48
18,069.79
17,982.09
17,894.40
17,806.70
17,719.01
17,631.31
17,543.62
17,455.92
17,368.23
17,280.53
17,192.84
17,105.14
17,017.45
16,929.75
16,842.06
16,754.36

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

283,333.33
266,666.67
250,000.00
233,333.33
216,666.67
200,000.00
183,333.33
166,666.67
150,000.00
133,333.33
116,666.67
100,000.00
83,333.33
66,666.67
50,000.00
33,333.33
16,666.67
0.00

Oportunidade
VPL

0.95%
-R$ 892,993.39

SAC

divida
0.33% n
amort
juros
1 R$ 6,944.44 R$ 3,273.74
2 R$ 6,944.44 R$ 3,251.01
3 R$ 6,944.44 R$ 3,228.27
4 R$ 6,944.44 R$ 3,205.54
5 R$ 6,944.44 R$ 3,182.80
6 R$ 6,944.44 R$ 3,160.07
7 R$ 6,944.44 R$ 3,137.33
8 R$ 6,944.44 R$ 3,114.60
9 R$ 6,944.44 R$ 3,091.87
10 R$ 6,944.44 R$ 3,069.13
11 R$ 6,944.44 R$ 3,046.40
12 R$ 6,944.44 R$ 3,023.66
13 R$ 6,944.44 R$ 3,000.93
14 R$ 6,944.44 R$ 2,978.19
15 R$ 6,944.44 R$ 2,955.46
16 R$ 6,944.44 R$ 2,932.73
17 R$ 6,944.44 R$ 2,909.99
18 R$ 6,944.44 R$ 2,887.26
19 R$ 6,944.44 R$ 2,864.52
20 R$ 6,944.44 R$ 2,841.79
21 R$ 6,944.44 R$ 2,819.05
22 R$ 6,944.44 R$ 2,796.32
23 R$ 6,944.44 R$ 2,773.59
24 R$ 6,944.44 R$ 2,750.85
25 R$ 6,944.44 R$ 2,728.12
26 R$ 6,944.44 R$ 2,705.38
27 R$ 6,944.44 R$ 2,682.65
28 R$ 6,944.44 R$ 2,659.91
29 R$ 6,944.44 R$ 2,637.18
30 R$ 6,944.44 R$ 2,614.44
31 R$ 6,944.44 R$ 2,591.71
32 R$ 6,944.44 R$ 2,568.98
33 R$ 6,944.44 R$ 2,546.24
34 R$ 6,944.44 R$ 2,523.51
35 R$ 6,944.44 R$ 2,500.77
36 R$ 6,944.44 R$ 2,478.04
37 R$ 6,944.44 R$ 2,455.30
38 R$ 6,944.44 R$ 2,432.57
39 R$ 6,944.44 R$ 2,409.84
40 R$ 6,944.44 R$ 2,387.10
41 R$ 6,944.44 R$ 2,364.37
42 R$ 6,944.44 R$ 2,341.63

R$ 1,000,000.00
144
total
Saldo
R$
10,218.18 R$
R$
10,195.45 R$
R$
10,172.72 R$
R$
10,149.98 R$
R$
10,127.25 R$
R$
10,104.51 R$
R$
10,081.78 R$
R$
10,059.04 R$
R$
10,036.31 R$
R$
10,013.58 R$
R$
9,990.84 R$
R$
9,968.11 R$
R$
9,945.37 R$
R$
9,922.64 R$
R$
9,899.90 R$
R$
9,877.17 R$
R$
9,854.44 R$
R$
9,831.70 R$
R$
9,808.97 R$
R$
9,786.23 R$
R$
9,763.50 R$
R$
9,740.76 R$
R$
9,718.03 R$
R$
9,695.30 R$
R$
9,672.56 R$
R$
9,649.83 R$
R$
9,627.09 R$
R$
9,604.36 R$
R$
9,581.62 R$
R$
9,558.89 R$
R$
9,536.16 R$
R$
9,513.42 R$
R$
9,490.69 R$
R$
9,467.95 R$
R$
9,445.22 R$
R$
9,422.48 R$
R$
9,399.75 R$
R$
9,377.01 R$
R$
9,354.28 R$
R$
9,331.55 R$
R$
9,308.81 R$
R$
9,286.08 R$

6944.4444444
devedor
993,055.56
986,111.11
979,166.67
972,222.22
965,277.78
958,333.33
951,388.89
944,444.44
937,500.00
930,555.56
923,611.11
916,666.67
909,722.22
902,777.78
895,833.33
888,888.89
881,944.44
875,000.00
868,055.56
861,111.11
854,166.67
847,222.22
840,277.78
833,333.33
826,388.89
819,444.44
812,500.00
805,555.56
798,611.11
791,666.67
784,722.22
777,777.78
770,833.33
763,888.89
756,944.44
750,000.00
743,055.56
736,111.11
729,166.67
722,222.22
715,277.78
708,333.33

43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

2,318.90
2,296.16
2,273.43
2,250.70
2,227.96
2,205.23
2,182.49
2,159.76
2,137.02
2,114.29
2,091.56
2,068.82
2,046.09
2,023.35
2,000.62
1,977.88
1,955.15
1,932.42
1,909.68
1,886.95
1,864.21
1,841.48
1,818.74
1,796.01
1,773.28
1,750.54
1,727.81
1,705.07
1,682.34
1,659.60
1,636.87
1,614.14
1,591.40
1,568.67
1,545.93
1,523.20
1,500.46
1,477.73
1,455.00
1,432.26
1,409.53
1,386.79
1,364.06
1,341.32
1,318.59

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

9,263.34
9,240.61
9,217.87
9,195.14
9,172.41
9,149.67
9,126.94
9,104.20
9,081.47
9,058.73
9,036.00
9,013.27
8,990.53
8,967.80
8,945.06
8,922.33
8,899.59
8,876.86
8,854.13
8,831.39
8,808.66
8,785.92
8,763.19
8,740.45
8,717.72
8,694.99
8,672.25
8,649.52
8,626.78
8,604.05
8,581.31
8,558.58
8,535.85
8,513.11
8,490.38
8,467.64
8,444.91
8,422.17
8,399.44
8,376.71
8,353.97
8,331.24
8,308.50
8,285.77
8,263.03

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

701,388.89
694,444.44
687,500.00
680,555.56
673,611.11
666,666.67
659,722.22
652,777.78
645,833.33
638,888.89
631,944.44
625,000.00
618,055.56
611,111.11
604,166.67
597,222.22
590,277.78
583,333.33
576,388.89
569,444.44
562,500.00
555,555.56
548,611.11
541,666.67
534,722.22
527,777.78
520,833.33
513,888.89
506,944.44
500,000.00
493,055.56
486,111.11
479,166.67
472,222.22
465,277.78
458,333.33
451,388.89
444,444.44
437,500.00
430,555.56
423,611.11
416,666.67
409,722.22
402,777.78
395,833.33

88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

1,295.86
1,273.12
1,250.39
1,227.65
1,204.92
1,182.18
1,159.45
1,136.72
1,113.98
1,091.25
1,068.51
1,045.78
1,023.04
1,000.31
977.58
954.84
932.11
909.37
886.64
863.90
841.17
818.43
795.70
772.97
750.23
727.50
704.76
682.03
659.29
636.56
613.83
591.09
568.36
545.62
522.89
500.15
477.42
454.69
431.95
409.22
386.48
363.75
341.01
318.28
295.55

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

8,240.30
8,217.57
8,194.83
8,172.10
8,149.36
8,126.63
8,103.89
8,081.16
8,058.43
8,035.69
8,012.96
7,990.22
7,967.49
7,944.75
7,922.02
7,899.29
7,876.55
7,853.82
7,831.08
7,808.35
7,785.61
7,762.88
7,740.15
7,717.41
7,694.68
7,671.94
7,649.21
7,626.47
7,603.74
7,581.00
7,558.27
7,535.54
7,512.80
7,490.07
7,467.33
7,444.60
7,421.86
7,399.13
7,376.40
7,353.66
7,330.93
7,308.19
7,285.46
7,262.72
7,239.99

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

388,888.89
381,944.44
375,000.00
368,055.56
361,111.11
354,166.67
347,222.22
340,277.78
333,333.33
326,388.89
319,444.44
312,500.00
305,555.56
298,611.11
291,666.67
284,722.22
277,777.78
270,833.33
263,888.89
256,944.44
250,000.00
243,055.56
236,111.11
229,166.67
222,222.22
215,277.78
208,333.33
201,388.89
194,444.44
187,500.00
180,555.56
173,611.11
166,666.67
159,722.22
152,777.78
145,833.33
138,888.89
131,944.44
125,000.00
118,055.56
111,111.11
104,166.67
97,222.22
90,277.78
83,333.33

133
134
135
136
137
138
139
140
141
142
143
144

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44
6,944.44

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

272.81
250.08
227.34
204.61
181.87
159.14
136.41
113.67
90.94
68.20
45.47
22.73

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

7,217.26
7,194.52
7,171.79
7,149.05
7,126.32
7,103.58
7,080.85
7,058.12
7,035.38
7,012.65
6,989.91
6,967.18

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
-R$

76,388.89
69,444.44
62,500.00
55,555.56
48,611.11
41,666.67
34,722.22
27,777.78
20,833.33
13,888.89
6,944.44
0.00

Oportunidade
VPL

0.95%
-R$ 701,330.29