Para calcular com os seus dados: modifique os campos em AMARELO.

Desvalorização estimada
Carro Modelo Ano Preço 0km 1 ano 4 anos
Onix Plus 1.0 LTZ Aut 2021 R$ 78,690.00 R$ 61,735.00 R$ 35,592.00

Taxas Preço Manutenção Preço

Seguro 7% Bateria R$ 369.90
IPVA Anual 4% Pneu R$ 394.90
Licenciamento R$ 93.87 Alinhamento R$ 77.50
DPVAT R$ 5.21 Balanceamento R$ 19.90
Registro R$ 306.47
Emplacamento R$ 138.24

Aluguel
Período Franquia # de parcelas Valor parcela Valor total pago
48 meses 1500km/mês 48 R$ (1,589.00) R$ (76,272.00)
12 meses 1500km/mês 12 R$ (2,579.00) R$ (30,948.00)

Financiamento

CPF 1 - Credit Score excelente

% de entrada Valor financiado # de parcelas Valor parcela Valor total pago

20% R$ 15,738.00 R$ 62,952.00 12 R$ 5,657.05 R$ 83,622.60
20% R$ 15,738.00 R$ 62,952.00 24 R$ 3,045.13 R$ 88,821.12
20% R$ 15,738.00 R$ 62,952.00 36 R$ 2,189.62 R$ 94,564.32
20% R$ 15,738.00 R$ 62,952.00 48 R$ 1,780.76 R$ 101,214.48
20% R$ 15,738.00 R$ 62,952.00 60 R$ 1,555.31 R$ 109,056.60
50% R$ 39,345.00 R$ 39,345.00 12 R$ 3,567.81 R$ 82,158.72
50% R$ 39,345.00 R$ 39,345.00 24 R$ 1,872.84 R$ 84,293.16
50% R$ 39,345.00 R$ 39,345.00 36 R$ 1,348.08 R$ 87,875.88
50% R$ 39,345.00 R$ 39,345.00 48 R$ 1,093.71 R$ 91,843.08
50% R$ 39,345.00 R$ 39,345.00 60 R$ 952.70 R$ 96,507.00

CPF 2 - Credit Score médio

% de entrada Valor financiado # de parcelas Valor parcela Valor total pago

20% R$ 15,738.00 R$ 62,952.00 12 NEGADO #VALUE!
20% R$ 15,738.00 R$ 62,952.00 24 NEGADO #VALUE!
20% R$ 15,738.00 R$ 62,952.00 36 NEGADO #VALUE!
20% R$ 15,738.00 R$ 62,952.00 48 NEGADO #VALUE!
20% R$ 15,738.00 R$ 62,952.00 60 NEGADO #VALUE!
50% R$ 39,345.00 R$ 39,345.00 12 R$ 3,765.71 R$ 84,533.52
50% R$ 39,345.00 R$ 39,345.00 24 R$ 2,070.52 R$ 89,037.48
50% R$ 39,345.00 R$ 39,345.00 36 R$ 1,549.72 R$ 95,134.92
50% R$ 39,345.00 R$ 39,345.00 48 R$ 1,312.54 R$ 102,346.92
50% R$ 39,345.00 R$ 39,345.00 60 R$ 1,203.40 R$ 111,549.00
Revisão Preço
10000 R$ 324.00
20000 R$ 620.00
30000 R$ 520.00
40000 R$ 688.00
50000 R$ 500.00
60000 R$ 620.00
70000 R$ 476.00

Valor pago a % do pago só

mais % pago a mais em juros Juros ao mês
R$ 4,932.60 6.27% 5.90% 1.18%
R$ 10,131.12 12.87% 11.41% 1.23%
R$ 15,874.32 20.17% 16.79% 1.27%
R$ 22,524.48 28.62% 22.25% 1.32%
R$ 30,366.60 38.59% 27.84% 1.39%
R$ 3,468.72 4.41% 4.22% 1.32%
R$ 5,603.16 7.12% 6.65% 1.09%
R$ 9,185.88 11.67% 10.45% 1.18%
R$ 13,153.08 16.72% 14.32% 1.24%
R$ 17,817.00 22.64% 18.46% 1.32%

Valor pago a % do pago só

mais % pago a mais em juros Juros ao mês
#VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE!
 #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE!
R$ 5,843.52 7.43% 6.91% 2.20%
R$ 10,347.48 13.15% 11.62% 1.96%
R$ 16,444.92 20.90% 17.29% 2.02%
R$ 23,656.92 30.06% 23.11% 2.11%
R$ 32,859.00 41.76% 29.46% 2.26%
 48 meses, 72000km, entrada de 20%
Multiplicador Preço
Compra
Valor à Vista R$ (78,690.00)
Dinheiro inicial R$ 15,738.00 1 R$ 15,738.00
Entrada R$ (15,738.00) 1 R$ (15,738.00)
Parcelas R$ (1,780.76) 48 R$ (85,476.48)
Venda R$ 35,592.00 97.50% R$ 34,702.26

Taxas
Seguro R$ (3,999.87) 1 R$ (3,999.87)
IPVA
Licenciamento + R$ (2,285.64) 1 R$ (2,285.64)
DPVAT
Registro e R$ (99.08) 4 R$ (396.32)
Emplacamento R$ (444.71) 1 R$ (444.71)

Manutenção
Revisões R$ (3,748.00) 1 R$ (3,748.00)
Bateria R$ (369.90) 2 R$ (739.80)
Pneus R$ (394.90) 4 R$ (1,579.60)
Alinhamento R$ (77.50) 7 R$ (542.50)
Balanceamento R$ (19.90) 28 R$ (557.20)

Balança em 48 meses R$ (65,067.86)

Total gastos sem vender R$ (115,508.12)
Total gastos após venda R$ (80,805.86)

Mensalidade equivalente R$ (1,683.46)

Anuidade equivalente R$ (20,201.46)
 48 meses, 72000km, entrada de 50%
Multiplicador Preço
Compra
Valor à Vista R$ (78,690.00)
Dinheiro inicial R$ 39,345.00 1 R$ 39,345.00
Entrada R$ (39,345.00) 1 R$ (39,345.00)
Parcelas R$ (1,093.71) 48 R$ (52,498.08)
Venda R$ 35,592.00 97.50% R$ 34,702.26

Taxas
Seguro R$ (3,999.87) 1 R$ (3,999.87)
IPVA
Licenciamento + R$ (2,285.64) 1 R$ (2,285.64)
DPVAT
Registro e R$ (99.08) 4 R$ (396.32)
Emplacamento R$ (444.71) 1 R$ (444.71)

Manutenção
Revisões R$ (3,748.00) 1 R$ (3,748.00)
Bateria R$ (369.90) 2 R$ (739.80)
Pneus R$ (394.90) 4 R$ (1,579.60)
Alinhamento R$ (77.50) 7 R$ (542.50)
Balanceamento R$ (19.90) 28 R$ (557.20)

Balança em 48 meses R$ (32,089.46)

Total gastos sem vender R$ (106,136.72)
Total gastos após venda R$ (71,434.46)

Mensalidade equivalente R$ (1,488.22)

Anuidade equivalente R$ (17,858.61)
 12 meses, 72000km, entrada de 20%
Multiplicador Preço
Compra
Valor à Vista R$ (78,690.00)
Dinheiro inicial R$ 15,738.00 1 R$ 15,738.00
Entrada R$ (15,738.00) 1 R$ (15,738.00)
Parcelas R$ (5,657.05) 12 R$ (67,884.60)
Venda R$ 61,735.00 1 R$ 61,735.00

Taxas
Seguro R$ (4,914.88) 1 R$ (4,914.88)
IPVA
Licenciamento + R$ (2,808.50) 1 R$ (2,808.50)
DPVAT
Registro e R$ (99.08) 4 R$ (396.32)
Emplacamento R$ (444.71) 1 R$ (444.71)

Manutenção
Revisões R$ (3,748.00) 1 R$ (3,748.00)
Bateria R$ (369.90) 2 R$ (739.80)
Pneus R$ (394.90) 4 R$ (1,579.60)
Alinhamento R$ (77.50) 7 R$ (542.50)
Balanceamento R$ (19.90) 28 R$ (557.20)

Balança em 12 meses R$ (21,881.11)

Total gastos sem vender R$ (99,354.11)
Total gastos após venda R$ (37,619.11)

Mensalidade equivalente R$ (3,134.93)

 12 meses, 72000km, entrada de 50%
Multiplicador Preço
Compra
Valor à Vista R$ (78,690.00)
Dinheiro inicial R$ 39,345.00 1 R$ 39,345.00
Entrada R$ (39,345.00) 1 R$ (39,345.00)
Parcelas R$ (3,567.81) 12 R$ (42,813.72)
Venda R$ 61,735.00 1 R$ 61,735.00

Taxas
Seguro R$ (4,914.88) 1 R$ (4,914.88)
IPVA
Licenciamento + R$ (2,808.50) 1 R$ (2,808.50)
DPVAT
Registro e R$ (99.08) 4 R$ (396.32)
Emplacamento R$ (444.71) 1 R$ (444.71)

Manutenção
Revisões R$ (3,748.00) 1 R$ (3,748.00)
Bateria R$ (369.90) 2 R$ (739.80)
Pneus R$ (394.90) 4 R$ (1,579.60)
Alinhamento R$ (77.50) 7 R$ (542.50)
Balanceamento R$ (19.90) 28 R$ (557.20)

Balança em 12 meses R$ 3,189.78

Total gastos sem vender R$ (97,890.23)
Total gastos após venda R$ (36,155.23)

Mensalidade equivalente R$ (3,012.94)

 BÔNUS: Calcule se vale a pena investir a entrada e alugar:

4 anos - 20% de entrada

Dados para Cálculo
Dinheiro Inicial: R$ 15,738.00
Mensalidade: R$ (1,589.00)
Rendimento médio mensal do investimento: 0.1159%

Rendimento
Poupança Julho 2020 0.1159%

Rendimento Total no Período R$ 65.24

Balança após 48 meses: R$ (60,468.76)

Custo total: R$ (76,206.76)

4 anos - 72000km
Mês Dinheiro Base Mensalidadeinheiro Investido Rendimento
1 R$ 15,738.00 -R$ 3,178.00 R$ 12,560.00 R$ 14.56
2 R$ 12,574.56 -R$ 1,589.00 R$ 10,985.56 R$ 12.73
3 R$ 10,998.29 -R$ 1,589.00 R$ 9,409.29 R$ 10.91
4 R$ 9,420.19 -R$ 1,589.00 R$ 7,831.19 R$ 9.08
5 R$ 7,840.27 -R$ 1,589.00 R$ 6,251.27 R$ 7.25
6 R$ 6,258.52 -R$ 1,589.00 R$ 4,669.52 R$ 5.41
7 R$ 4,674.93 -R$ 1,589.00 R$ 3,085.93 R$ 3.58
8 R$ 3,089.50 -R$ 1,589.00 R$ 1,500.50 R$ 1.74
9 R$ 1,502.24 -R$ 1,589.00 -R$ 86.76 R$ 0.00
10 -R$ 86.76 -R$ 1,589.00 -R$ 1,675.76 R$ 0.00
11 -R$ 1,675.76 -R$ 1,589.00 -R$ 3,264.76 R$ 0.00
12 -R$ 3,264.76 -R$ 1,589.00 -R$ 4,853.76 R$ 0.00
13 -R$ 4,853.76 -R$ 1,589.00 -R$ 6,442.76 R$ 0.00
14 -R$ 6,442.76 -R$ 1,589.00 -R$ 8,031.76 R$ 0.00
15 -R$ 8,031.76 -R$ 1,589.00 -R$ 9,620.76 R$ 0.00
16 -R$ 9,620.76 -R$ 1,589.00 -R$ 11,209.76 R$ 0.00
17 -R$ 11,209.76 -R$ 1,589.00 -R$ 12,798.76 R$ 0.00
18 -R$ 12,798.76 -R$ 1,589.00 -R$ 14,387.76 R$ 0.00
19 -R$ 14,387.76 -R$ 1,589.00 -R$ 15,976.76 R$ 0.00
20 -R$ 15,976.76 -R$ 1,589.00 -R$ 17,565.76 R$ 0.00
21 -R$ 17,565.76 -R$ 1,589.00 -R$ 19,154.76 R$ 0.00
22 -R$ 19,154.76 -R$ 1,589.00 -R$ 20,743.76 R$ 0.00
23 -R$ 20,743.76 -R$ 1,589.00 -R$ 22,332.76 R$ 0.00
24 -R$ 22,332.76 -R$ 1,589.00 -R$ 23,921.76 R$ 0.00
25 -R$ 23,921.76 -R$ 1,589.00 -R$ 25,510.76 R$ 0.00
26 -R$ 25,510.76 -R$ 1,589.00 -R$ 27,099.76 R$ 0.00
27 -R$ 27,099.76 -R$ 1,589.00 -R$ 28,688.76 R$ 0.00
28 -R$ 28,688.76 -R$ 1,589.00 -R$ 30,277.76 R$ 0.00
29 -R$ 30,277.76 -R$ 1,589.00 -R$ 31,866.76 R$ 0.00
30 -R$ 31,866.76 -R$ 1,589.00 -R$ 33,455.76 R$ 0.00
31 -R$ 33,455.76 -R$ 1,589.00 -R$ 35,044.76 R$ 0.00
32 -R$ 35,044.76 -R$ 1,589.00 -R$ 36,633.76 R$ 0.00
33 -R$ 36,633.76 -R$ 1,589.00 -R$ 38,222.76 R$ 0.00
34 -R$ 38,222.76 -R$ 1,589.00 -R$ 39,811.76 R$ 0.00
35 -R$ 39,811.76 -R$ 1,589.00 -R$ 41,400.76 R$ 0.00
36 -R$ 41,400.76 -R$ 1,589.00 -R$ 42,989.76 R$ 0.00
37 -R$ 42,989.76 -R$ 1,589.00 -R$ 44,578.76 R$ 0.00
38 -R$ 44,578.76 -R$ 1,589.00 -R$ 46,167.76 R$ 0.00
39 -R$ 46,167.76 -R$ 1,589.00 -R$ 47,756.76 R$ 0.00
40 -R$ 47,756.76 -R$ 1,589.00 -R$ 49,345.76 R$ 0.00
41 -R$ 49,345.76 -R$ 1,589.00 -R$ 50,934.76 R$ 0.00
42 -R$ 50,934.76 -R$ 1,589.00 -R$ 52,523.76 R$ 0.00
43 -R$ 52,523.76 -R$ 1,589.00 -R$ 54,112.76 R$ 0.00
44 -R$ 54,112.76 -R$ 1,589.00 -R$ 55,701.76 R$ 0.00
45 -R$ 55,701.76 -R$ 1,589.00 -R$ 57,290.76 R$ 0.00
46 -R$ 57,290.76 -R$ 1,589.00 -R$ 58,879.76 R$ 0.00
47 -R$ 58,879.76 -R$ 1,589.00 -R$ 60,468.76 R$ 0.00
48 -R$ 60,468.76 R$ 0.00 -R$ 60,468.76 R$ 0.00
entrada e alugar:

4 anos - 50% de entrada

Dados para Cálculo
Dinheiro Inicial:
Mensalidade:
Rendimento médio mensal do investimento:

Rendimento
Poupança Julho 2020

Rendimento Total no Período

Balança após 48 meses:

Custo total:

4 anos - 72000km
Balança Mês Dinheiro Base Mensalidade Dinheiro Investido
R$ 12,574.56 1 R$ 39,345.00 -R$ 3,178.00 R$ 36,167.00
R$ 10,998.29 2 R$ 36,208.92 -R$ 1,589.00 R$ 34,619.92
R$ 9,420.19 3 R$ 34,660.04 -R$ 1,589.00 R$ 33,071.04
R$ 7,840.27 4 R$ 33,109.37 -R$ 1,589.00 R$ 31,520.37
R$ 6,258.52 5 R$ 31,556.90 -R$ 1,589.00 R$ 29,967.90
R$ 4,674.93 6 R$ 30,002.64 -R$ 1,589.00 R$ 28,413.64
R$ 3,089.50 7 R$ 28,446.57 -R$ 1,589.00 R$ 26,857.57
R$ 1,502.24 8 R$ 26,888.70 -R$ 1,589.00 R$ 25,299.70
-R$ 86.76 9 R$ 25,329.02 -R$ 1,589.00 R$ 23,740.02
-R$ 1,675.76 10 R$ 23,767.53 -R$ 1,589.00 R$ 22,178.53
-R$ 3,264.76 11 R$ 22,204.24 -R$ 1,589.00 R$ 20,615.24
-R$ 4,853.76 12 R$ 20,639.13 -R$ 1,589.00 R$ 19,050.13
-R$ 6,442.76 13 R$ 19,072.21 -R$ 1,589.00 R$ 17,483.21
-R$ 8,031.76 14 R$ 17,503.47 -R$ 1,589.00 R$ 15,914.47
-R$ 9,620.76 15 R$ 15,932.92 -R$ 1,589.00 R$ 14,343.92
-R$ 11,209.76 16 R$ 14,360.54 -R$ 1,589.00 R$ 12,771.54
-R$ 12,798.76 17 R$ 12,786.34 -R$ 1,589.00 R$ 11,197.34
-R$ 14,387.76 18 R$ 11,210.32 -R$ 1,589.00 R$ 9,621.32
-R$ 15,976.76 19 R$ 9,632.47 -R$ 1,589.00 R$ 8,043.47
-R$ 17,565.76 20 R$ 8,052.80 -R$ 1,589.00 R$ 6,463.80
-R$ 19,154.76 21 R$ 6,471.29 -R$ 1,589.00 R$ 4,882.29
-R$ 20,743.76 22 R$ 4,887.95 -R$ 1,589.00 R$ 3,298.95
-R$ 22,332.76 23 R$ 3,302.77 -R$ 1,589.00 R$ 1,713.77
-R$ 23,921.76 24 R$ 1,715.76 -R$ 1,589.00 R$ 126.76
-R$ 25,510.76 25 R$ 126.90 -R$ 1,589.00 -R$ 1,462.10
-R$ 27,099.76 26 -R$ 1,462.10 -R$ 1,589.00 -R$ 3,051.10
-R$ 28,688.76 27 -R$ 3,051.10 -R$ 1,589.00 -R$ 4,640.10
-R$ 30,277.76 28 -R$ 4,640.10 -R$ 1,589.00 -R$ 6,229.10
-R$ 31,866.76 29 -R$ 6,229.10 -R$ 1,589.00 -R$ 7,818.10
-R$ 33,455.76 30 -R$ 7,818.10 -R$ 1,589.00 -R$ 9,407.10
-R$ 35,044.76 31 -R$ 9,407.10 -R$ 1,589.00 -R$ 10,996.10
-R$ 36,633.76 32 -R$ 10,996.10 -R$ 1,589.00 -R$ 12,585.10
-R$ 38,222.76 33 -R$ 12,585.10 -R$ 1,589.00 -R$ 14,174.10
-R$ 39,811.76 34 -R$ 14,174.10 -R$ 1,589.00 -R$ 15,763.10
-R$ 41,400.76 35 -R$ 15,763.10 -R$ 1,589.00 -R$ 17,352.10
-R$ 42,989.76 36 -R$ 17,352.10 -R$ 1,589.00 -R$ 18,941.10
-R$ 44,578.76 37 -R$ 18,941.10 -R$ 1,589.00 -R$ 20,530.10
-R$ 46,167.76 38 -R$ 20,530.10 -R$ 1,589.00 -R$ 22,119.10
-R$ 47,756.76 39 -R$ 22,119.10 -R$ 1,589.00 -R$ 23,708.10
-R$ 49,345.76 40 -R$ 23,708.10 -R$ 1,589.00 -R$ 25,297.10
-R$ 50,934.76 41 -R$ 25,297.10 -R$ 1,589.00 -R$ 26,886.10
-R$ 52,523.76 42 -R$ 26,886.10 -R$ 1,589.00 -R$ 28,475.10
-R$ 54,112.76 43 -R$ 28,475.10 -R$ 1,589.00 -R$ 30,064.10
-R$ 55,701.76 44 -R$ 30,064.10 -R$ 1,589.00 -R$ 31,653.10
-R$ 57,290.76 45 -R$ 31,653.10 -R$ 1,589.00 -R$ 33,242.10
-R$ 58,879.76 46 -R$ 33,242.10 -R$ 1,589.00 -R$ 34,831.10
-R$ 60,468.76 47 -R$ 34,831.10 -R$ 1,589.00 -R$ 36,420.10
-R$ 60,468.76 48 -R$ 36,420.10 R$ 0.00 -R$ 36,420.10
R$ 39,345.00
R$ (1,589.00)
0.1159%

0.1159%

R$ 506.90

R$ (36,420.10)

R$ (75,765.10)

Rendimento Balança
R$ 41.92 R$ 36,208.92
R$ 40.12 R$ 34,660.04
R$ 38.33 R$ 33,109.37
R$ 36.53 R$ 31,556.90
R$ 34.73 R$ 30,002.64
R$ 32.93 R$ 28,446.57
R$ 31.13 R$ 26,888.70
R$ 29.32 R$ 25,329.02
R$ 27.51 R$ 23,767.53
R$ 25.70 R$ 22,204.24
R$ 23.89 R$ 20,639.13
R$ 22.08 R$ 19,072.21
R$ 20.26 R$ 17,503.47
R$ 18.44 R$ 15,932.92
R$ 16.62 R$ 14,360.54
R$ 14.80 R$ 12,786.34
R$ 12.98 R$ 11,210.32
R$ 11.15 R$ 9,632.47
R$ 9.32 R$ 8,052.80
R$ 7.49 R$ 6,471.29
R$ 5.66 R$ 4,887.95
R$ 3.82 R$ 3,302.77
R$ 1.99 R$ 1,715.76
R$ 0.15 R$ 126.90
R$ 0.00 -R$ 1,462.10
R$ 0.00 -R$ 3,051.10
R$ 0.00 -R$ 4,640.10
R$ 0.00 -R$ 6,229.10
R$ 0.00 -R$ 7,818.10
R$ 0.00 -R$ 9,407.10
R$ 0.00 -R$ 10,996.10
R$ 0.00 -R$ 12,585.10
R$ 0.00 -R$ 14,174.10
R$ 0.00 -R$ 15,763.10
R$ 0.00 -R$ 17,352.10
R$ 0.00 -R$ 18,941.10
R$ 0.00 -R$ 20,530.10
R$ 0.00 -R$ 22,119.10
R$ 0.00 -R$ 23,708.10
R$ 0.00 -R$ 25,297.10
R$ 0.00 -R$ 26,886.10
R$ 0.00 -R$ 28,475.10
R$ 0.00 -R$ 30,064.10
R$ 0.00 -R$ 31,653.10
R$ 0.00 -R$ 33,242.10
R$ 0.00 -R$ 34,831.10
R$ 0.00 -R$ 36,420.10
R$ 0.00 -R$ 36,420.10