Valor do Financiamento 300,000.

00 TABELA SAC
Mês 25 Data Prestação Amortização Juros
Juros 10% a.m. 0.7974 0.007974 0 - - -
1 14,392.20 12,000.00 2,392.20
Feito na HP 2 14,296.51 12,000.00 2,296.51
1 pv 3 14,200.82 12,000.00 2,200.82
1n 4 14,105.14 12,000.00 2,105.14
Calculo Juros ao mês 10 i 5 14,009.45 12,000.00 2,009.45
fv 6 13,913.76 12,000.00 1,913.76
12 n 7 13,818.07 12,000.00 1,818.07
0.79 i 8 13,722.38 12,000.00 1,722.38
9 13,626.70 12,000.00 1,626.70
10 13,531.01 12,000.00 1,531.01
Feito na HP 11 13,435.32 12,000.00 1,435.32
300,000.00 pv 12 13,339.63 12,000.00 1,339.63
0.7974 i 13 13,243.94 12,000.00 1,243.94
Calculo Amortização (Price) 25 n 14 13,148.26 12,000.00 1,148.26
13,283.44 PMT 15 13,052.57 12,000.00 1,052.57
16 12,956.88 12,000.00 956.88
17 12,861.19 12,000.00 861.19
18 12,765.50 12,000.00 765.50
19 12,669.82 12,000.00 669.82
20 12,574.13 12,000.00 574.13
21 12,478.44 12,000.00 478.44
22 12,382.75 12,000.00 382.75
23 12,287.06 12,000.00 287.06
24 12,191.38 12,000.00 191.38
25 12,095.69 12,000.00 95.69
Total 331,098.60 300,000.00 31,098.60
 TABELA PRICE
Saldo Devedor Data Prestação Amortização Juros Saldo Devedor
300,000.00 0 - - - 300,000.00
288,000.00 1 13,283.44 10,891.24 2,392.20 289,108.76
276,000.00 2 13,283.44 10,978.09 2,305.35 278,130.67
264,000.00 3 13,283.44 11,065.63 2,217.81 267,065.05
252,000.00 4 13,283.44 11,153.86 2,129.58 255,911.18
240,000.00 5 13,283.44 11,242.80 2,040.64 244,668.38
228,000.00 6 13,283.44 11,332.45 1,950.99 233,335.93
216,000.00 7 13,283.44 11,422.82 1,860.62 221,913.11
204,000.00 8 13,283.44 11,513.90 1,769.54 210,399.20
192,000.00 9 13,283.44 11,605.72 1,677.72 198,793.48
180,000.00 10 13,283.44 11,698.26 1,585.18 187,095.22
168,000.00 11 13,283.44 11,791.54 1,491.90 175,303.68
156,000.00 12 13,283.44 11,885.57 1,397.87 163,418.11
144,000.00 13 13,283.44 11,980.34 1,303.10 151,437.77
132,000.00 14 13,283.44 12,075.88 1,207.56 139,361.89
120,000.00 15 13,283.44 12,172.17 1,111.27 127,189.73
108,000.00 16 13,283.44 12,269.23 1,014.21 114,920.50
96,000.00 17 13,283.44 12,367.00 916.38 102,553.50
84,000.00 18 13,283.44 12,465.68 817.76 90,087.82
72,000.00 19 13,283.44 12,565.08 718.36 77,522.74
60,000.00 20 13,283.44 12,665.27 618.17 64,857.46
48,000.00 21 13,283.44 12,766.27 517.17 52,091.20
36,000.00 22 13,283.44 12,868.06 415.38 39,223.13
24,000.00 23 13,283.44 12,970.67 312.77 26,252.46
12,000.00 24 13,283.44 13,074.10 209.34 13,178.36
- 25 13,283.44 13,178.36 105.08 - 0.00
3,600,000.00 Total 332,086.00 300,000.00 32,085.94 3,723,819.32
 Descrição Ano 0 Ano 01 Ano 02 Ano 03 Ano 04
Receita Esperada 350,000.00 350,000.00 300,000.00 400,000.00
Custos Fixos e Variáveis 380,000.00 100,000.00 100,000.00 90,000.00 120,000.00
lucro antes dos Impostos 250,000.00 250,000.00 210,000.00 280,000.00
IR e CS (32,8%) 82,000.00 82,000.00 68,880.00 91,840.00
Investimento 380,000.00
Fluxo de Caixa Livre - FCL 380,000.00 168,000.00 168,000.00 141,120.00 188,160.00
 Payback Simples
Ano Ano 0 Ano 01 Ano 02 Ano 03 Ano 04
Fluxo de caixa - 380,000.00 168,000.00 168,000.00 141,120.00 168,150.00
Fluxo de caixa Acumulado - 380,000.00 - 212,000.00 - 44,000.00 97,120.00 285,280.00

Payback Descontado
ANO FCL PV SALDO
Ano 0 - 380,000.00 - 380,000.00 - 380,000.00
Ano 01 168,000.00 152,727.27 - 227,272.72
Ano 02 168,000.00 138,842.98 - 88,429.75
Ano 03 141,120.00 106,025.55 17,585.80
Ano 04 180,160.00 128,515.81 146,111.51