Ano= 2020

Inflação= 2.31% aa Acumulação de C

Poupança= 1.40% aa 45,000.00
Taxa mercado= 8.00% aa 40,000.00
Aplicação única= 500.00 35,000.00
Parcelas mensais= 10.00 30,000.00
Anos= 30 25,000.00
Ano= 2050 20,000.00
Capital Inflação= 8,134.42 15,000.00
Capital Poupança= 6,221.89 10,000.00
Capital Mercado= 41,256.89 5,000.00
Diferença(Merc.-Inf)= 33,122.48 -
0.150 3.000 5.850 8.700 11.550 14.400

Inflação Poupança

Tempo Inflação Poupança Mercado

0.150 519.78 ### 524.01
1 0.300 539.68 ### 548.52
2 0.450 559.72 ### 573.52
3 0.600 579.89 ### 599.03
4 0.750 600.19 ### 625.06
5 0.900 620.63 ### 651.61
6 1.050 641.19 ### 678.69
7 1.200 661.89 ### 706.31
8 1.350 682.73 ### 734.48
9 1.500 703.70 ### 763.21
10 1.650 724.80 ### 792.51
11 1.800 746.05 ### 822.39
12 1.950 767.43 ### 852.85
13 2.100 788.94 ### 883.91
14 2.250 810.60 ### 915.58
15 2.400 832.40 ### 947.86
16 2.550 854.33 ### 980.77
17 2.700 876.41 ### 1,014.31
18 2.850 898.63 ### 1,048.50
19 3.000 920.99 ### 1,083.35
20 3.150 943.49 ### 1,118.87
21 3.300 966.13 ### 1,155.06
22 3.450 988.93 ### 1,191.95
23 3.600 1,011.86 ### 1,229.54
24 3.750 1,034.94 ### 1,267.83
25 3.900 1,058.17 ### 1,306.86
26 4.050 1,081.55 ### 1,346.61
27 4.200 1,105.07 ### 1,387.12
28 4.350 1,128.74 ### 1,428.38
29 4.500 1,152.56 ### 1,470.42
30 4.650 1,176.53 ### 1,513.23
31 4.800 1,200.66 ### 1,556.85
32 4.950 1,224.93 ### 1,601.27
33 5.100 1,249.36 ### 1,646.52
34 5.250 1,273.94 ### 1,692.60
35 5.400 1,298.67 ### 1,739.52
36 5.550 1,323.56 ### 1,787.31
37 5.700 1,348.61 ### 1,835.98
38 5.850 1,373.81 ### 1,885.53
39 6.000 1,399.16 ### 1,935.99
40 6.150 1,424.68 ### 1,987.36
41 6.300 1,450.35 ### 2,039.67
42 6.450 1,476.19 ### 2,092.92
43 6.600 1,502.18 ### 2,147.13
44 6.750 1,528.33 ### 2,202.33
45 6.900 1,554.65 ### 2,258.51
46 7.050 1,581.13 ### 2,315.70
47 7.200 1,607.77 ### 2,373.92
48 7.350 1,634.58 ### 2,433.17
49 7.500 1,661.55 ### 2,493.48
50 7.650 1,688.69 ### 2,554.87
51 7.800 1,715.99 ### 2,617.34
52 7.950 1,743.46 ### 2,680.92
53 8.100 1,771.10 ### 2,745.62
54 8.250 1,798.91 ### 2,811.46
55 8.400 1,826.89 ### 2,878.46
56 8.550 1,855.04 ### 2,946.64
57 8.700 1,883.37 ### 3,016.02
58 8.850 1,911.86 ### 3,086.61
59 9.000 1,940.53 ### 3,158.43
60 9.150 1,969.37 ### 3,231.50
61 9.300 1,998.39 ### 3,305.84
62 9.450 2,027.58 ### 3,381.48
63 9.600 2,056.95 ### 3,458.42
64 9.750 2,086.50 ### 3,536.70
65 9.900 2,116.22 ### 3,616.33
66 10.050 2,146.13 ### 3,697.33
67 10.200 2,176.21 ### 3,779.72
68 10.350 2,206.48 ### 3,863.53
69 10.500 2,236.93 ### 3,948.77
 70 10.650 2,267.56 ### 4,035.48
71 10.800 2,298.38 ### 4,123.66
72 10.950 2,329.38 ### 4,213.35
73 11.100 2,360.57 ### 4,304.56
74 11.250 2,391.94 ### 4,397.33
75 11.400 2,423.50 ### 4,491.67
76 11.550 2,455.25 ### 4,587.61
77 11.700 2,487.19 ### 4,685.16
78 11.850 2,519.32 ### 4,784.37
79 12.000 2,551.64 ### 4,885.25
80 12.150 2,584.15 ### 4,987.83
81 12.300 2,616.85 ### 5,092.13
82 12.450 2,649.75 ### 5,198.18
83 12.600 2,682.85 ### 5,306.00
84 12.750 2,716.14 ### 5,415.63
85 12.900 2,749.62 ### 5,527.09
86 13.050 2,783.31 ### 5,640.41
87 13.200 2,817.19 ### 5,755.61
88 13.350 2,851.28 ### 5,872.73
89 13.500 2,885.56 ### 5,991.79
90 13.650 2,920.05 ### 6,112.83
91 13.800 2,954.73 ### 6,235.86
92 13.950 2,989.63 ### 6,360.93
93 14.100 3,024.72 ### 6,488.07
94 14.250 3,060.03 ### 6,617.30
95 14.400 3,095.53 ### 6,748.66
96 14.550 3,131.25 ### 6,882.17
97 14.700 3,167.18 ### 7,017.87
98 14.850 3,203.31 ### 7,155.80
99 15.000 3,239.66 ### 7,295.99
100 15.150 3,276.22 ### 7,438.47
101 15.300 3,312.99 ### 7,583.27
102 15.450 3,349.97 ### 7,730.43
103 15.600 3,387.17 ### 7,879.98
104 15.750 3,424.58 ### 8,031.97
105 15.900 3,462.21 ### 8,186.42
106 16.050 3,500.06 ### 8,343.38
107 16.200 3,538.13 ### 8,502.88
108 16.350 3,576.42 ### 8,664.96
109 16.500 3,614.93 ### 8,829.65
110 16.650 3,653.66 ### 8,997.01
111 16.800 3,692.62 ### 9,167.05
112 16.950 3,731.80 ### 9,339.84
113 17.100 3,771.20 ### 9,515.40
114 17.250 3,810.83 ### 9,693.77
115 17.400 3,850.69 ### 9,875.01
116 17.550 3,890.78 ### 10,059.15
117 17.700 3,931.10 ### 10,246.23
118 17.850 3,971.65 ### 10,436.31
119 18.000 4,012.43 ### 10,629.41
120 18.150 4,053.44 ### 10,825.59
121 18.300 4,094.69 ### 11,024.90
122 18.450 4,136.17 ### 11,227.37
123 18.600 4,177.89 ### 11,433.06
124 18.750 4,219.85 ### 11,642.01
125 18.900 4,262.04 ### 11,854.28
126 19.050 4,304.48 ### 12,069.90
127 19.200 4,347.16 ### 12,288.93
128 19.350 4,390.08 ### 12,511.42
129 19.500 4,433.24 ### 12,737.42
130 19.650 4,476.64 ### 12,966.99
131 19.800 4,520.30 ### 13,200.16
132 19.950 4,564.20 ### 13,437.00
133 20.100 4,608.34 ### 13,677.57
134 20.250 4,652.74 ### 13,921.91
135 20.400 4,697.39 ### 14,170.07
136 20.550 4,742.29 ### 14,422.13
137 20.700 4,787.44 ### 14,678.12
138 20.850 4,832.84 ### 14,938.12
139 21.000 4,878.50 ### 15,202.18
140 21.150 4,924.42 ### 15,470.35
141 21.300 4,970.60 ### 15,742.70
142 21.450 5,017.03 ### 16,019.30
143 21.600 5,063.73 ### 16,300.19
144 21.750 5,110.68 ### 16,585.44
145 21.900 5,157.90 ### 16,875.12
146 22.050 5,205.38 ### 17,169.30
147 22.200 5,253.13 ### 17,468.03
148 22.350 5,301.14 ### 17,771.38
149 22.500 5,349.42 ### 18,079.42
150 22.650 5,397.97 ### 18,392.22
151 22.800 5,446.79 ### 18,709.84
152 22.950 5,495.88 ### 19,032.36
153 23.100 5,545.25 ### 19,359.85
154 23.250 5,594.89 ### 19,692.38
155 23.400 5,644.80 ### 20,030.02
156 23.550 5,694.99 ### 20,372.85
157 23.700 5,745.46 ### 20,720.93
158 23.850 5,796.21 ### 21,074.35
159 24.000 5,847.24 ### 21,433.19
160 24.150 5,898.55 ### 21,797.52
161 24.300 5,950.14 ### 22,167.42
162 24.450 6,002.02 ### 22,542.97
163 24.600 6,054.18 ### 22,924.25
164 24.750 6,106.64 ### 23,311.35
165 24.900 6,159.38 ### 23,704.35
166 25.050 6,212.41 ### 24,103.33
167 25.200 6,265.73 ### 24,508.38
168 25.350 6,319.34 ### 24,919.58
169 25.500 6,373.25 ### 25,337.03
170 25.650 6,427.46 ### 25,760.82
171 25.800 6,481.96 ### 26,191.03
172 25.950 6,536.76 ### 26,627.76
173 26.100 6,591.86 ### 27,071.10
174 26.250 6,647.26 ### 27,521.14
175 26.400 6,702.96 ### 27,977.99
176 26.550 6,758.97 ### 28,441.73
177 26.700 6,815.28 ### 28,912.47
178 26.850 6,871.90 ### 29,390.31
179 27.000 6,928.83 ### 29,875.35
180 27.150 6,986.07 ### 30,367.69
181 27.300 7,043.62 ### 30,867.43
182 27.450 7,101.48 ### 31,374.69
183 27.600 7,159.65 ### 31,889.56
184 27.750 7,218.15 ### 32,412.16
185 27.900 7,276.95 ### 32,942.60
186 28.050 7,336.08 ### 33,480.98
187 28.200 7,395.53 ### 34,027.43
188 28.350 7,455.30 ### 34,582.05
189 28.500 7,515.39 ### 35,144.96
190 28.650 7,575.81 ### 35,716.29
191 28.800 7,636.55 ### 36,296.14
192 28.950 7,697.62 ### 36,884.64
193 29.100 7,759.02 ### 37,481.92
194 29.250 7,820.75 ### 38,088.09
195 29.400 7,882.81 ### 38,703.29
196 29.550 7,945.21 ### 39,327.64
197 29.700 8,007.94 ### 39,961.27
198 29.850 8,071.01 ### 40,604.31
199 30.000 8,134.42 ### 41,256.89
200
 Acumulação de Capital

0 8.700 11.550 14.400 17.250 20.100 22.950 25.800 28.650

Inflação Poupança Mercado

 Ano= 2020
Salário= 5,000.00 Acumula
Inflação= 2.31% aa 1,600,000.00
Taxa mercado= 9.00% aa
1,400,000.00
Aplicação única=
1,200,000.00
Parcelas mensais(%)= 15.00% salário
Anos= 23 anos 1,000,000.00
800,000.00
Ano= 2043 600,000.00
Salário atualizado= 8,471.39
400,000.00
Salário Anual Atualizado= 101,656.73
200,000.00
Investimento Inflação= 352,051.69
Investimento Mercado= 1,519,532.63 -
0.115 1.962 3.809 5.656 7.503 9.3
Diferença(Merc.-Inf)= 1,167,480.94
Renda Anual= 101,656.733 Inflaç
Diferença das rendas= 0.000
Perpétuo

Tempo Inflação Mercado

1 0.115 1,041.69 1,049.33
2 0.231 2,088.87 2,119.64
3 0.346 3,141.58 3,211.25
4 0.462 4,199.83 4,324.47
5 0.577 5,263.64 5,459.64
6 0.693 6,333.04 6,617.07
7 0.808 7,408.05 7,797.09
8 0.924 8,488.69 9,000.05
9 1.039 9,574.99 10,226.29
10 1.154 10,666.96 11,476.14
11 1.270 11,764.63 12,749.97
12 1.385 12,868.02 14,048.12
13 1.501 13,977.16 15,370.95
14 1.616 15,092.06 16,718.83
15 1.732 16,212.75 18,092.12
16 1.847 17,339.25 19,491.20
17 1.962 18,471.59 20,916.45
18 2.078 19,609.78 22,368.25
19 2.193 20,753.85 23,846.99
20 2.309 21,903.83 25,353.06
21 2.424 23,059.73 26,886.86
22 2.540 24,221.59 28,448.80
23 2.655 25,389.41 30,039.28
24 2.771 26,563.24 31,658.72
25 2.886 27,743.08 33,307.54
26 3.001 28,928.97 34,986.17
27 3.117 30,120.92 36,695.03
28 3.232 31,318.97 38,434.56
29 3.348 32,523.13 40,205.21
30 3.463 33,733.43 42,007.43
31 3.579 34,949.90 43,841.66
32 3.694 36,172.55 45,708.36
33 3.809 37,401.41 47,608.02
34 3.925 38,636.51 49,541.08
35 4.040 39,877.87 51,508.05
36 4.156 41,125.51 53,509.39
37 4.271 42,379.47 55,545.60
38 4.387 43,639.75 57,617.17
39 4.502 44,906.40 59,724.62
40 4.618 46,179.42 61,868.45
41 4.733 47,458.86 64,049.18
42 4.848 48,744.73 66,267.32
43 4.964 50,037.06 68,523.42
44 5.079 51,335.87 70,818.01
45 5.195 52,641.19 73,151.62
46 5.310 53,953.04 75,524.83
47 5.426 55,271.45 77,938.17
48 5.541 56,596.45 80,392.22
49 5.656 57,928.05 82,887.55
50 5.772 59,266.29 85,424.74
51 5.887 60,611.20 88,004.38
52 6.003 61,962.79 90,627.06
53 6.118 63,321.09 93,293.39
54 6.234 64,686.14 96,003.97
55 6.349 66,057.95 98,759.43
56 6.465 67,436.55 101,560.39
57 6.580 68,821.97 104,407.48
58 6.695 70,214.23 107,301.35
59 6.811 71,613.37 110,242.65
60 6.926 73,019.40 113,232.04
61 7.042 74,432.36 116,270.19
62 7.157 75,852.26 119,357.76
63 7.273 77,279.15 122,495.45
64 7.388 78,713.04 125,683.95
65 7.503 80,153.96 128,923.97
66 7.619 81,601.94 132,216.20
67 7.734 83,057.01 135,561.38
68 7.850 84,519.19 138,960.24
69 7.965 85,988.51 142,413.50
 70 8.081 87,465.00 145,921.93
71 8.196 88,948.68 149,486.27
72 8.312 90,439.59 153,107.30
73 8.427 91,937.75 156,785.79
74 8.542 93,443.19 160,522.53
75 8.658 94,955.94 164,318.32
76 8.773 96,476.02 168,173.96
77 8.889 98,003.47 172,090.28
78 9.004 99,538.31 176,068.09
79 9.120 101,080.57 180,108.24
80 9.235 102,630.27 184,211.58
81 9.350 104,187.46 188,378.96
82 9.466 105,752.15 192,611.26
83 9.581 107,324.38 196,909.36
84 9.697 108,904.16 201,274.15
85 9.812 110,491.55 205,706.53
86 9.928 112,086.55 210,207.42
87 10.043 113,689.20 214,777.75
88 10.159 115,299.54 219,418.45
89 10.274 116,917.58 224,130.48
90 10.389 118,543.37 228,914.80
91 10.505 120,176.92 233,772.38
92 10.620 121,818.27 238,704.21
93 10.736 123,467.45 243,711.29
94 10.851 125,124.48 248,794.62
95 10.967 126,789.41 253,955.24
96 11.082 128,462.25 259,194.18
97 11.197 130,143.04 264,512.50
98 11.313 131,831.81 269,911.25
99 11.428 133,528.59 275,391.51
100 11.544 135,233.41 280,954.37
101 11.659 136,946.30 286,600.94
102 11.775 138,667.29 292,332.33
103 11.890 140,396.41 298,149.68
104 12.006 142,133.69 304,054.12
105 12.121 143,879.17 310,046.83
106 12.236 145,632.87 316,128.98
107 12.352 147,394.83 322,301.75
108 12.467 149,165.07 328,566.35
109 12.583 150,943.64 334,924.00
110 12.698 152,730.55 341,375.93
111 12.814 154,525.85 347,923.40
112 12.929 156,329.56 354,567.66
113 13.045 158,141.72 361,310.00
114 13.160 159,962.35 368,151.72
115 13.275 161,791.50 375,094.13
116 13.391 163,629.19 382,138.56
117 13.506 165,475.45 389,286.35
118 13.622 167,330.32 396,538.87
119 13.737 169,193.83 403,897.49
120 13.853 171,066.01 411,363.62
121 13.968 172,946.90 418,938.67
122 14.083 174,836.52 426,624.07
123 14.199 176,734.92 434,421.27
124 14.314 178,642.12 442,331.73
125 14.430 180,558.16 450,356.94
126 14.545 182,483.07 458,498.41
127 14.661 184,416.88 466,757.66
128 14.776 186,359.63 475,136.23
129 14.892 188,311.36 483,635.68
130 15.007 190,272.09 492,257.58
131 15.122 192,241.85 501,003.55
132 15.238 194,220.70 509,875.19
133 15.353 196,208.65 518,874.15
134 15.469 198,205.74 528,002.08
135 15.584 200,212.01 537,260.66
136 15.700 202,227.49 546,651.60
137 15.815 204,252.21 556,176.62
138 15.930 206,286.22 565,837.45
139 16.046 208,329.54 575,635.87
140 16.161 210,382.21 585,573.65
141 16.277 212,444.26 595,652.60
142 16.392 214,515.74 605,874.56
143 16.508 216,596.67 616,241.37
144 16.623 218,687.10 626,754.92
145 16.739 220,787.05 637,417.09
146 16.854 222,896.56 648,229.81
147 16.969 225,015.68 659,195.02
148 17.085 227,144.43 670,314.70
149 17.200 229,282.84 681,590.83
150 17.316 231,430.97 693,025.43
151 17.431 233,588.84 704,620.55
152 17.547 235,756.49 716,378.24
153 17.662 237,933.95 728,300.60
154 17.777 240,121.27 740,389.76
155 17.893 242,318.48 752,647.85
156 18.008 244,525.62 765,077.03
157 18.124 246,742.72 777,679.52
158 18.239 248,969.82 790,457.53
159 18.355 251,206.96 803,413.30
160 18.470 253,454.17 816,549.13
161 18.586 255,711.50 829,867.31
162 18.701 257,978.98 843,370.17
163 18.816 260,256.65 857,060.08
164 18.932 262,544.55 870,939.43
165 19.047 264,842.71 885,010.64
166 19.163 267,151.18 899,276.16
167 19.278 269,469.99 913,738.46
168 19.394 271,799.18 928,400.06
169 19.509 274,138.79 943,263.49
170 19.624 276,488.85 958,331.32
171 19.740 278,849.42 973,606.16
172 19.855 281,220.52 989,090.64
173 19.971 283,602.19 1,004,787.43
174 20.086 285,994.48 1,020,699.21
175 20.202 288,397.42 1,036,828.73
176 20.317 290,811.06 1,053,178.74
177 20.433 293,235.43 1,069,752.04
178 20.548 295,670.57 1,086,551.47
179 20.663 298,116.53 1,103,579.88
180 20.779 300,573.34 1,120,840.18
181 20.894 303,041.04 1,138,335.30
182 21.010 305,519.68 1,156,068.21
183 21.125 308,009.29 1,174,041.92
184 21.241 310,509.92 1,192,259.47
185 21.356 313,021.60 1,210,723.93
186 21.471 315,544.38 1,229,438.43
187 21.587 318,078.29 1,248,406.12
188 21.702 320,623.39 1,267,630.19
189 21.818 323,179.70 1,287,113.88
190 21.933 325,747.28 1,306,860.44
191 22.049 328,326.16 1,326,873.19
192 22.164 330,916.39 1,347,155.49
193 22.280 333,518.00 1,367,710.71
194 22.395 336,131.04 1,388,542.29
195 22.510 338,755.56 1,409,653.70
196 22.626 341,391.59 1,431,048.45
197 22.741 344,039.17 1,452,730.10
198 22.857 346,698.36 1,474,702.24
199 22.972 349,369.18 1,496,968.53
200 23.088 352,051.69 1,519,532.63
 Acumulação de Capital

15 1.962 3.809 5.656 7.503 9.350 11.197 13.045 14.892 16.739 18.586 20.433 22.280

Inflação Mercado
 Valor Presente Valor Presente
Valor Futuro= 5,000.00 Valor Parcelas= 200.00
Taxa= 7.20% Taxa= 2.92%
Tempo= 20 Tempo= 12
Valor Presente= R$ 1,244.73 Valor Presente= R$ 2,000.34

Taxa Taxa
Valor Presente= 35,000.00 Valor Presente= 1,244.73
Valor Parcelas= 1,150.00 Valor Futuro= 5,000.00
Quantidade de parcelas= 48 Tempo= 20
Taxa= 2.04% Taxa= 7.20%

Valor Futuro Valor Futuro

Valor Parcelas= 100.00 Valor Presente= 100.00
Taxa= 0.80% Taxa= 2.00%
Tempo= 12 Tempo= 12
Valor Futuro= 1,264.27 Valor Futuro= R$ 126.82

Valor Parcelas Valor Parcelas

Valor Presente= 150,000.00 Valor Futuro= 45,000.00
Taxa= 0.75% Taxa= 0.75%
Tempo= 240 Tempo= 20
Valor Parcelas= R$ 1,349.59 Valor Parcelas= R$ 2,093.88
 Custo médio da dívida
Descrição Montante % Montante Taxa Taxa relativa Taxas Valor
Dívida 1 1,000.00 12.27% 5.00% 0.61% Diária 0.10%
Dívida 2 3,300.00 40.51% 8.00% 3.24% Mensal 0.34%
Dívida 3 2,500.00 30.69% 4.60% 1.41% Anual 15.00%
Dívida 4 847.00 10.40% 5.80% 0.60%
Dívida 5 500.00 6.14% 2.50% 0.15%
Dívida 6
Dívida 7
Dívida 8
Total 8,147.00 100.00% 6.02%
 Taxa correspondente
Diária Mensal Anual
0.10% 3.04% 43.31%
0.01% 0.34% 4.16%
0.04% 1.17% 15.00%
Dias letivos= 200 dias Horas de estudo por ano=
Tempo de trabalho= 35 anos Horas de trabalho no ano=
Salário= 2,000.00 reais Custo da hora=

Formação Anos de estudos Anos estudo/trabalho Custo da hora

Sem formação 0 0.00 14.06
Segundo grau 12 0.34 10.90
Graduação 16 0.46 10.14
Pós graduação 18 0.51 9.80

Valor do Bem= 4,500.00

Tempo de vida gasto
Formação horas dias
Sem formação 320.08 40.01
Segundo grau 412.88 51.61
Graduação 443.81 55.48
Pós graduação 459.28 57.41
 1600 horas
1892 horas
14.06 reais