Matemática Financeira Com Excel (Mossoró) 22.04.2016

[email protected]

Exemplo 01 (Slide).

Resolução:

VP R$ 1,000.00 Taxa 6% a.a.Periodo (N) 2 AnosPagamento (PGTO) 0VF R$ 1,123.60

Exercício 01 (Lista de Exercício).

Estimativa de Crescimento 30%Inflação 9.40%

JAN FEV

Preço Unitário R$ 12.50 R$ 12.50 Unidades Vendidas 10,000 13,000 Receita Total R$ 125,000.00 R$ 162,500.00

Custo Unitário R$ 6.00 R$ 6.56 Custos Operacionais R$ 20,000.00 R$ 21,880.00

Lucro Bruto R$ 45,000.00 R$ 55,288.00

JAN FEV MAR ABR MAI JUN JUL AGO SET OUT NOV DEZ R$-

R$500,000.00

R$1,000,000.00

R$1,500,000.00

R$2,000,000.00

R$2,500,000.00

Receita Total

JAN FEV MAR ABR MAI JUN JUL AGO SET OUT NOV DEZ

R$(800,000.00)

R$(700,000.00)

R$(600,000.00)

R$(500,000.00)

R$(400,000.00)

R$(300,000.00)

R$(200,000.00)

R$(100,000.00)

R$-

R$100,000.00

R$200,000.00

Lucro Bruto


R$500,000.00

R$1,000,000.00

R$1,500,000.00

R$2,000,000.00

R$2,500,000.00

Receita Total

MAR ABR MAI JUN JUL

R$ 12.50 R$ 12.50 R$ 12.50 R$ 12.50 R$ 12.50 16,900 21,970 28,561 37,129 48,268 R$ 211,250.00 R$ 274,625.00 R$ 357,012.50 R$ 464,116.25 R$ 603,351.13

R$ 7.18 R$ 7.86 R$ 8.59 R$ 9.40 R$ 10.29 R$ 23,936.72 R$ 26,186.77 R$ 28,648.33 R$ 31,341.27 R$ 34,287.35

R$ 65,954.11 R$ 75,841.22 R$ 82,896.70 R$ 83,671.14 R$ 72,568.30


R$500,000.00

R$1,000,000.00

R$1,500,000.00

R$2,000,000.00

R$2,500,000.00

Receita Total


R$(800,000.00)

R$(700,000.00)

R$(600,000.00)

R$(500,000.00)

R$(400,000.00)

R$(300,000.00)

R$(200,000.00)

R$(100,000.00)

R$-

R$100,000.00

R$200,000.00

Lucro Bruto


R$500,000.00

R$1,000,000.00

R$1,500,000.00

R$2,000,000.00

R$2,500,000.00

Receita Total

AGO SET OUT NOV

R$ 12.50 R$ 12.50 R$ 12.50 R$ 12.50 62,749 81,573 106,045 137,858 R$ 784,356.46 R$ 1,019,663.40 R$ 1,325,562.42 R$ 1,723,231.15

R$ 11.25 R$ 12.31 R$ 13.47 R$ 14.73 R$ 37,510.36 R$ 41,036.34 R$ 44,893.75 R$ 49,113.76

R$ 40,730.23 -R$ 25,610.92 -R$ 147,558.59 -R$ 357,107.43


R$500,000.00

R$1,000,000.00

R$1,500,000.00

R$2,000,000.00

R$2,500,000.00

Receita Total


R$(800,000.00)

R$(700,000.00)

R$(600,000.00)

R$(500,000.00)

R$(400,000.00)

R$(300,000.00)

R$(200,000.00)

R$(100,000.00)

R$-

R$100,000.00

R$200,000.00

Lucro Bruto


R$500,000.00

R$1,000,000.00

R$1,500,000.00

R$2,000,000.00

R$2,500,000.00

Receita Total

DEZ

R$ 12.50 179,216 R$ 2,240,200.49

R$ 16.12 R$ 53,730.46

-R$ 702,337.90


R$500,000.00

R$1,000,000.00

R$1,500,000.00

R$2,000,000.00

R$2,500,000.00

Receita Total


R$(800,000.00)

R$(700,000.00)

R$(600,000.00)

R$(500,000.00)

R$(400,000.00)

R$(300,000.00)

R$(200,000.00)

R$(100,000.00)

R$-

R$100,000.00

R$200,000.00

Lucro Bruto


R$500,000.00

R$1,000,000.00

R$1,500,000.00

R$2,000,000.00

R$2,500,000.00

Receita Total

Exercício 02 (Slide).

Resolução:

VP R$ 1,000.00 Taxa 8.01% a.a.Periodo (N) 9 AnosPagamento (PGTO) 0VF R$ 2,000.00


Resolução:

VP R$ 100,000.00 Taxa 4.00% a.a.Periodo (N) 58.71 Anos

Pagamento (PGTO) 0VF R$ 1,000,000.00


Resolução:

VP -R$ 98,927.07

Taxa 2.00% a.m.Periodo (N) 12 mesesPagamento (PGTO) 0VF R$ 125,463.45


Resolução:

VP R$ 2,000.00Taxa 5.00% a.a.Periodo (NPER) 4 anosPagamento (PGTO) 0VF -R$ 2,431.01


Resolução:

VP -R$ 25,500.00 Taxa 0.85% a.m.Periodo (NPER) 36 mesesPagamento (PGTO) -R$ 1,500.00 VF R$ 97,447.44


Resolução:

VP -R$ 15,000.00 Taxa 12.05% a.a.

Periodo (NPER) 6 anosPagamento (PGTO) -R$ 2,500.00 VF R$ 50,000.00


Resolução:

VP -R$ 18,247.02Taxa 6.5% a.a.Periodo (NPER) 5 anosPagamento (PGTO) R$ - VF R$ 25,000.00


Resolução:

VP -R$ 1,750.00 Taxa 2.71% a.a.

Periodo (NPER) 5 anosPagamento (PGTO) R$ - VF R$ 2,000.00

Valor Financiado: R$ 5,000,000.00 Taxa praticada: 4% a.s.Prazo: 10 semestres

Valor da Parcela: R$ 616,454.72

Período Saldo Devedor Amortização Juros Parcela

0 R$ 5,000,000.00 1 R$ 4,500,000.00 R$ 500,000.00 R$ 200,000.00 R$ 700,000.00

2 R$ 4,000,000.00 R$ 500,000.00 R$ 180,000.00 R$ 680,000.00

3 R$ 3,500,000.00 R$ 500,000.00 R$ 160,000.00 R$ 660,000.00

4 R$ 3,000,000.00 R$ 500,000.00 R$ 140,000.00 R$ 640,000.00

5 R$ 2,500,000.00 R$ 500,000.00 R$ 120,000.00 R$ 620,000.00

6 R$ 2,000,000.00 R$ 500,000.00 R$ 100,000.00 R$ 600,000.00

7 R$ 1,500,000.00 R$ 500,000.00 R$ 80,000.00 R$ 580,000.00

8 R$ 1,000,000.00 R$ 500,000.00 R$ 60,000.00 R$ 560,000.00

9 R$ 500,000.00 R$ 500,000.00 R$ 40,000.00 R$ 540,000.00

10 R$ - R$ 500,000.00 R$ 20,000.00 R$ 520,000.00

Valor Financiado: R$ 1,000.00 Taxa praticada: 9% a.m.Prazo: 5 meses

Valor da Parcela: R$ 257.09

Período Saldo Devedor Amortização Juros

0 R$ 1,000.00 1 R$ 832.91 R$ 167.09 R$ 90.00 2 R$ 650.78 R$ 182.13 R$ 74.96 3 R$ 452.25 R$ 198.52 R$ 58.57 4 R$ 235.86 R$ 216.39 R$ 40.70 5 R$ 0.00 R$ 235.86 R$ 21.23

Parcela

R$ 257.09

R$ 257.09

R$ 257.09

R$ 257.09

R$ 257.09

Valor do Financiamento R$ 200,000.00 Prazo 24 mesesTaxa 2.00% a.m.Valor da Parcela R$ 10,574.22

SAF (PRICE)Prazo Juros Parcela

01 R$ 4,000.00 R$ 10,574.22 2 R$ 3,868.52 R$ 10,574.22 3 R$ 3,734.40 R$ 10,574.22 4 R$ 3,597.61 R$ 10,574.22 5 R$ 3,458.07 R$ 10,574.22 6 R$ 3,315.75 R$ 10,574.22 7 R$ 3,170.58 R$ 10,574.22 8 R$ 3,022.51 R$ 10,574.22 9 R$ 2,871.47 R$ 10,574.22 10 R$ 2,717.42 R$ 10,574.22 11 R$ 2,560.28 R$ 10,574.22 12 R$ 2,400.00 R$ 10,574.22 13 R$ 2,236.52 R$ 10,574.22 14 R$ 2,069.77 R$ 10,574.22 15 R$ 1,899.68 R$ 10,574.22 16 R$ 1,726.19 R$ 10,574.22 17 R$ 1,549.22 R$ 10,574.22 18 R$ 1,368.73 R$ 10,574.22 19 R$ 1,184.62 R$ 10,574.22 20 R$ 996.82 R$ 10,574.22 21 R$ 805.28 R$ 10,574.22 22 R$ 609.90 R$ 10,574.22 23 R$ 410.61 R$ 10,574.22 24 R$ 207.34 R$ 10,574.22

SAF (PRICE) SACAmortização Saldo Devedor Prazo Juros Parcela

R$ 200,000.00 0 R$ 6,574.22 R$ 193,425.78 1 R$ 4,000.00 R$ 12,333.33 R$ 6,705.70 R$ 186,720.08 2 R$ 3,833.33 R$ 12,166.67 R$ 6,839.82 R$ 179,880.26 3 R$ 3,666.67 R$ 12,000.00 R$ 6,976.61 R$ 172,903.64 4 R$ 3,500.00 R$ 11,833.33 R$ 7,116.15 R$ 165,787.50 5 R$ 3,333.33 R$ 11,666.67 R$ 7,258.47 R$ 158,529.03 6 R$ 3,166.67 R$ 11,500.00 R$ 7,403.64 R$ 151,125.39 7 R$ 3,000.00 R$ 11,333.33 R$ 7,551.71 R$ 143,573.68 8 R$ 2,833.33 R$ 11,166.67 R$ 7,702.75 R$ 135,870.93 9 R$ 2,666.67 R$ 11,000.00 R$ 7,856.80 R$ 128,014.13 10 R$ 2,500.00 R$ 10,833.33 R$ 8,013.94 R$ 120,000.19 11 R$ 2,333.33 R$ 10,666.67 R$ 8,174.22 R$ 111,825.98 12 R$ 2,166.67 R$ 10,500.00 R$ 8,337.70 R$ 103,488.28 13 R$ 2,000.00 R$ 10,333.33 R$ 8,504.45 R$ 94,983.83 14 R$ 1,833.33 R$ 10,166.67 R$ 8,674.54 R$ 86,309.28 15 R$ 1,666.67 R$ 10,000.00 R$ 8,848.03 R$ 77,461.25 16 R$ 1,500.00 R$ 9,833.33 R$ 9,024.99 R$ 68,436.25 17 R$ 1,333.33 R$ 9,666.67 R$ 9,205.49 R$ 59,230.76 18 R$ 1,166.67 R$ 9,500.00 R$ 9,389.60 R$ 49,841.16 19 R$ 1,000.00 R$ 9,333.33 R$ 9,577.40 R$ 40,263.76 20 R$ 833.33 R$ 9,166.67 R$ 9,768.94 R$ 30,494.81 21 R$ 666.67 R$ 9,000.00 R$ 9,964.32 R$ 20,530.49 22 R$ 500.00 R$ 8,833.33 R$ 10,163.61 R$ 10,366.88 23 R$ 333.33 R$ 8,666.67 R$ 10,366.88 R$ - 24 R$ 166.67 R$ 8,500.00

SACAmortização Saldo Devedor

R$ 200,000.00 R$ 8,333.33 R$ 191,666.67 R$ 8,333.33 R$ 183,333.33 R$ 8,333.33 R$ 175,000.00 R$ 8,333.33 R$ 166,666.67 R$ 8,333.33 R$ 158,333.33 R$ 8,333.33 R$ 150,000.00 R$ 8,333.33 R$ 141,666.67 R$ 8,333.33 R$ 133,333.33 R$ 8,333.33 R$ 125,000.00 R$ 8,333.33 R$ 116,666.67 R$ 8,333.33 R$ 108,333.33 R$ 8,333.33 R$ 100,000.00 R$ 8,333.33 R$ 91,666.67 R$ 8,333.33 R$ 83,333.33 R$ 8,333.33 R$ 75,000.00 R$ 8,333.33 R$ 66,666.67 R$ 8,333.33 R$ 58,333.33 R$ 8,333.33 R$ 50,000.00 R$ 8,333.33 R$ 41,666.67 R$ 8,333.33 R$ 33,333.33 R$ 8,333.33 R$ 25,000.00 R$ 8,333.33 R$ 16,666.67 R$ 8,333.33 R$ 8,333.33 R$ 8,333.33 -R$ 0.00


SAF (PRICE)Prazo Juros Parcela

01 R$ 9,065.00 R$ 15,579.04 2 R$ 8,823.98 R$ 15,579.04 3 R$ 8,574.04 R$ 15,579.04 4 R$ 8,314.86 R$ 15,579.04 5 R$ 8,046.08 R$ 15,579.04 6 R$ 7,767.36 R$ 15,579.04 7 R$ 7,478.33 R$ 15,579.04 8 R$ 7,178.61 R$ 15,579.04 9 R$ 6,867.79 R$ 15,579.04 10 R$ 6,545.47 R$ 15,579.04 11 R$ 6,211.23 R$ 15,579.04 12 R$ 5,864.62 R$ 15,579.04 13 R$ 5,505.19 R$ 15,579.04 14 R$ 5,132.46 R$ 15,579.04 15 R$ 4,745.93 R$ 15,579.04 16 R$ 4,345.11 R$ 15,579.04 17 R$ 3,929.45 R$ 15,579.04 18 R$ 3,498.42 R$ 15,579.04 19 R$ 3,051.43 R$ 15,579.04 20 R$ 2,587.91 R$ 15,579.04 21 R$ 2,107.24 R$ 15,579.04 22 R$ 1,608.78 R$ 15,579.04 23 R$ 1,091.88 R$ 15,579.04 24 R$ 555.86 R$ 15,579.04

SAF (PRICE) SACAmortização Saldo Devedor Prazo Juros Parcela

R$ 245,000.00 0 R$ 6,514.04 R$ 238,485.96 1 R$ 9,065.00 R$ 19,273.33 R$ 6,755.06 R$ 231,730.89 2 R$ 8,687.29 R$ 18,895.63 R$ 7,005.00 R$ 224,725.89 3 R$ 8,309.58 R$ 18,517.92 R$ 7,264.18 R$ 217,461.71 4 R$ 7,931.88 R$ 18,140.21 R$ 7,532.96 R$ 209,928.75 5 R$ 7,554.17 R$ 17,762.50 R$ 7,811.68 R$ 202,117.07 6 R$ 7,176.46 R$ 17,384.79 R$ 8,100.71 R$ 194,016.36 7 R$ 6,798.75 R$ 17,007.08 R$ 8,400.44 R$ 185,615.92 8 R$ 6,421.04 R$ 16,629.38 R$ 8,711.25 R$ 176,904.67 9 R$ 6,043.33 R$ 16,251.67 R$ 9,033.57 R$ 167,871.10 10 R$ 5,665.63 R$ 15,873.96 R$ 9,367.81 R$ 158,503.28 11 R$ 5,287.92 R$ 15,496.25 R$ 9,714.42 R$ 148,788.86 12 R$ 4,910.21 R$ 15,118.54 R$ 10,073.86 R$ 138,715.01 13 R$ 4,532.50 R$ 14,740.83 R$ 10,446.59 R$ 128,268.42 14 R$ 4,154.79 R$ 14,363.13 R$ 10,833.11 R$ 117,435.31 15 R$ 3,777.08 R$ 13,985.42 R$ 11,233.94 R$ 106,201.37 16 R$ 3,399.38 R$ 13,607.71 R$ 11,649.59 R$ 94,551.78 17 R$ 3,021.67 R$ 13,230.00 R$ 12,080.63 R$ 82,471.15 18 R$ 2,643.96 R$ 12,852.29 R$ 12,527.61 R$ 69,943.54 19 R$ 2,266.25 R$ 12,474.58 R$ 12,991.13 R$ 56,952.41 20 R$ 1,888.54 R$ 12,096.88 R$ 13,471.80 R$ 43,480.61 21 R$ 1,510.83 R$ 11,719.17 R$ 13,970.26 R$ 29,510.35 22 R$ 1,133.13 R$ 11,341.46 R$ 14,487.16 R$ 15,023.19 23 R$ 755.42 R$ 10,963.75 R$ 15,023.19 R$ 0.00 24 R$ 377.71 R$ 10,586.04

SACAmortização Saldo Devedor

R$ 245,000.00 R$ 10,208.33 R$ 234,791.67 R$ 10,208.33 R$ 224,583.33 R$ 10,208.33 R$ 214,375.00 R$ 10,208.33 R$ 204,166.67 R$ 10,208.33 R$ 193,958.33 R$ 10,208.33 R$ 183,750.00 R$ 10,208.33 R$ 173,541.67 R$ 10,208.33 R$ 163,333.33 R$ 10,208.33 R$ 153,125.00 R$ 10,208.33 R$ 142,916.67 R$ 10,208.33 R$ 132,708.33 R$ 10,208.33 R$ 122,500.00 R$ 10,208.33 R$ 112,291.67 R$ 10,208.33 R$ 102,083.33 R$ 10,208.33 R$ 91,875.00 R$ 10,208.33 R$ 81,666.67 R$ 10,208.33 R$ 71,458.33 R$ 10,208.33 R$ 61,250.00 R$ 10,208.33 R$ 51,041.67 R$ 10,208.33 R$ 40,833.33 R$ 10,208.33 R$ 30,625.00 R$ 10,208.33 R$ 20,416.67 R$ 10,208.33 R$ 10,208.33 R$ 10,208.33 -R$ 0.00


SACPrazo Juros

01 R$ 900.00 2 R$ 880.00 3 R$ 860.00 4 R$ 840.00 5 R$ 820.00 6 R$ 800.00 7 R$ 780.00 8 R$ 760.00 9 R$ 740.00 10 R$ 720.00 11 R$ 700.00 12 R$ 680.00 13 R$ 660.00 14 R$ 640.00 15 R$ 620.00 16 R$ 600.00 17 R$ 580.00 18 R$ 560.00 19 R$ 540.00 20 R$ 520.00 21 R$ 500.00 22 R$ 480.00 23 R$ 460.00 24 R$ 440.00 25 R$ 420.00 26 R$ 400.00 27 R$ 380.00 28 R$ 360.00 29 R$ 340.00 30 R$ 320.00 31 R$ 300.00 32 R$ 280.00 33 R$ 260.00 34 R$ 240.00 35 R$ 220.00 36 R$ 200.00 37 R$ 180.00 38 R$ 160.00

39 R$ 140.00 40 R$ 120.00 41 R$ 100.00 42 R$ 80.00 43 R$ 60.00 44 R$ 40.00 45 R$ 20.00

SACParcela Amortização Saldo Devedor

R$ 45,000.00 R$ 1,900.00 R$ 1,000.00 R$ 44,000.00 R$ 1,880.00 R$ 1,000.00 R$ 43,000.00 R$ 1,860.00 R$ 1,000.00 R$ 42,000.00 R$ 1,840.00 R$ 1,000.00 R$ 41,000.00 R$ 1,820.00 R$ 1,000.00 R$ 40,000.00 R$ 1,800.00 R$ 1,000.00 R$ 39,000.00 R$ 1,780.00 R$ 1,000.00 R$ 38,000.00 R$ 1,760.00 R$ 1,000.00 R$ 37,000.00 R$ 1,740.00 R$ 1,000.00 R$ 36,000.00 R$ 1,720.00 R$ 1,000.00 R$ 35,000.00 R$ 1,700.00 R$ 1,000.00 R$ 34,000.00 R$ 1,680.00 R$ 1,000.00 R$ 33,000.00 R$ 1,660.00 R$ 1,000.00 R$ 32,000.00 R$ 1,640.00 R$ 1,000.00 R$ 31,000.00 R$ 1,620.00 R$ 1,000.00 R$ 30,000.00 R$ 1,600.00 R$ 1,000.00 R$ 29,000.00 R$ 1,580.00 R$ 1,000.00 R$ 28,000.00 R$ 1,560.00 R$ 1,000.00 R$ 27,000.00 R$ 1,540.00 R$ 1,000.00 R$ 26,000.00 R$ 1,520.00 R$ 1,000.00 R$ 25,000.00 R$ 1,500.00 R$ 1,000.00 R$ 24,000.00 R$ 1,480.00 R$ 1,000.00 R$ 23,000.00 R$ 1,460.00 R$ 1,000.00 R$ 22,000.00 R$ 1,440.00 R$ 1,000.00 R$ 21,000.00 R$ 1,420.00 R$ 1,000.00 R$ 20,000.00 R$ 1,400.00 R$ 1,000.00 R$ 19,000.00 R$ 1,380.00 R$ 1,000.00 R$ 18,000.00 R$ 1,360.00 R$ 1,000.00 R$ 17,000.00 R$ 1,340.00 R$ 1,000.00 R$ 16,000.00 R$ 1,320.00 R$ 1,000.00 R$ 15,000.00 R$ 1,300.00 R$ 1,000.00 R$ 14,000.00 R$ 1,280.00 R$ 1,000.00 R$ 13,000.00 R$ 1,260.00 R$ 1,000.00 R$ 12,000.00 R$ 1,240.00 R$ 1,000.00 R$ 11,000.00 R$ 1,220.00 R$ 1,000.00 R$ 10,000.00 R$ 1,200.00 R$ 1,000.00 R$ 9,000.00 R$ 1,180.00 R$ 1,000.00 R$ 8,000.00 R$ 1,160.00 R$ 1,000.00 R$ 7,000.00

R$ 1,140.00 R$ 1,000.00 R$ 6,000.00 R$ 1,120.00 R$ 1,000.00 R$ 5,000.00 R$ 1,100.00 R$ 1,000.00 R$ 4,000.00 R$ 1,080.00 R$ 1,000.00 R$ 3,000.00 R$ 1,060.00 R$ 1,000.00 R$ 2,000.00 R$ 1,040.00 R$ 1,000.00 R$ 1,000.00 R$ 1,020.00 R$ 1,000.00 R$ -


SACPrazo Juros

01 R$ 300.00 2 R$ 240.00 3 R$ 180.00 4 R$ 120.00 5 R$ 60.00


R$ 10,000.00 R$ 2,300.00 R$ 2,000.00 R$ 8,000.00 R$ 2,240.00 R$ 2,000.00 R$ 6,000.00 R$ 2,180.00 R$ 2,000.00 R$ 4,000.00 R$ 2,120.00 R$ 2,000.00 R$ 2,000.00 R$ 2,060.00 R$ 2,000.00 R$ -

Valor do Imóvel R$ 180,000.00 Valor do Financiamento R$ 126,000.00 Prazo 160 mesesTaxa 0.80% a.m.Valor da Parcela R$ 1,398.94

SACPrazo Juros

01 R$ 1,008.00 2 R$ 1,001.70 3 R$ 995.40 4 R$ 989.10 5 R$ 982.80 6 R$ 976.50 7 R$ 970.20 8 R$ 963.90 9 R$ 957.60 10 R$ 951.30 11 R$ 945.00 12 R$ 938.70 13 R$ 932.40 14 R$ 926.10 15 R$ 919.80 16 R$ 913.50 17 R$ 907.20 18 R$ 900.90 19 R$ 894.60 20 R$ 888.30 21 R$ 882.00 22 R$ 875.70 23 R$ 869.40 24 R$ 863.10 25 R$ 856.80 26 R$ 850.50 27 R$ 844.20 28 R$ 837.90 29 R$ 831.60 30 R$ 825.30 31 R$ 819.00 32 R$ 812.70 33 R$ 806.40 34 R$ 800.10 35 R$ 793.80 36 R$ 787.50 37 R$ 781.20

38 R$ 774.90 39 R$ 768.60 40 R$ 762.30 41 R$ 756.00 42 R$ 749.70 43 R$ 743.40 44 R$ 737.10 45 R$ 730.80 46 R$ 724.50 47 R$ 718.20 48 R$ 711.90 49 R$ 705.60 50 R$ 699.30 51 R$ 693.00 52 R$ 686.70 53 R$ 680.40 54 R$ 674.10 55 R$ 667.80 56 R$ 661.50 57 R$ 655.20 58 R$ 648.90 59 R$ 642.60 60 R$ 636.30 61 R$ 630.00 62 R$ 623.70 63 R$ 617.40 64 R$ 611.10 65 R$ 604.80 66 R$ 598.50 67 R$ 592.20 68 R$ 585.90 69 R$ 579.60 70 R$ 573.30 71 R$ 567.00 72 R$ 560.70 73 R$ 554.40 74 R$ 548.10 75 R$ 541.80 76 R$ 535.50 77 R$ 529.20 78 R$ 522.90 79 R$ 516.60 80 R$ 510.30 81 R$ 504.00 82 R$ 497.70 83 R$ 491.40

84 R$ 485.10 85 R$ 478.80 86 R$ 472.50 87 R$ 466.20 88 R$ 459.90 89 R$ 453.60 90 R$ 447.30 91 R$ 441.00 92 R$ 434.70 93 R$ 428.40 94 R$ 422.10 95 R$ 415.80 96 R$ 409.50 97 R$ 403.20 98 R$ 396.90 99 R$ 390.60

100 R$ 384.30 101 R$ 378.00 102 R$ 371.70 103 R$ 365.40 104 R$ 359.10 105 R$ 352.80 106 R$ 346.50 107 R$ 340.20 108 R$ 333.90 109 R$ 327.60 110 R$ 321.30 111 R$ 315.00 112 R$ 308.70 113 R$ 302.40 114 R$ 296.10 115 R$ 289.80 116 R$ 283.50 117 R$ 277.20 118 R$ 270.90 119 R$ 264.60 120 R$ 258.30 121 R$ 252.00 122 R$ 245.70 123 R$ 239.40 124 R$ 233.10 125 R$ 226.80 126 R$ 220.50 127 R$ 214.20 128 R$ 207.90 129 R$ 201.60

130 R$ 195.30 131 R$ 189.00 132 R$ 182.70 133 R$ 176.40 134 R$ 170.10 135 R$ 163.80 136 R$ 157.50 137 R$ 151.20 138 R$ 144.90 139 R$ 138.60 140 R$ 132.30 141 R$ 126.00 142 R$ 119.70 143 R$ 113.40 144 R$ 107.10 145 R$ 100.80 146 R$ 94.50 147 R$ 88.20 148 R$ 81.90 149 R$ 75.60 150 R$ 69.30 151 R$ 63.00 152 R$ 56.70 153 R$ 50.40 154 R$ 44.10 155 R$ 37.80 156 R$ 31.50 157 R$ 25.20 158 R$ 18.90 159 R$ 12.60 160 R$ 6.30


R$ 126,000.00 R$ 1,795.50 R$ 787.50 R$ 125,212.50 Parcelas pagas em 48 meses R$ 1,789.20 R$ 787.50 R$ 124,425.00 R$ 1,782.90 R$ 787.50 R$ 123,637.50 R$ 1,776.60 R$ 787.50 R$ 122,850.00 R$ 1,770.30 R$ 787.50 R$ 122,062.50 R$ 1,764.00 R$ 787.50 R$ 121,275.00 R$ 1,757.70 R$ 787.50 R$ 120,487.50 R$ 1,751.40 R$ 787.50 R$ 119,700.00 R$ 1,745.10 R$ 787.50 R$ 118,912.50 R$ 1,738.80 R$ 787.50 R$ 118,125.00 R$ 1,732.50 R$ 787.50 R$ 117,337.50 R$ 1,726.20 R$ 787.50 R$ 116,550.00 R$ 1,719.90 R$ 787.50 R$ 115,762.50 R$ 1,713.60 R$ 787.50 R$ 114,975.00 R$ 1,707.30 R$ 787.50 R$ 114,187.50 R$ 1,701.00 R$ 787.50 R$ 113,400.00 R$ 1,694.70 R$ 787.50 R$ 112,612.50 R$ 1,688.40 R$ 787.50 R$ 111,825.00 R$ 1,682.10 R$ 787.50 R$ 111,037.50 R$ 1,675.80 R$ 787.50 R$ 110,250.00 R$ 1,669.50 R$ 787.50 R$ 109,462.50 R$ 1,663.20 R$ 787.50 R$ 108,675.00 R$ 1,656.90 R$ 787.50 R$ 107,887.50 R$ 1,650.60 R$ 787.50 R$ 107,100.00 R$ 1,644.30 R$ 787.50 R$ 106,312.50 R$ 1,638.00 R$ 787.50 R$ 105,525.00 R$ 1,631.70 R$ 787.50 R$ 104,737.50 R$ 1,625.40 R$ 787.50 R$ 103,950.00 R$ 1,619.10 R$ 787.50 R$ 103,162.50 R$ 1,612.80 R$ 787.50 R$ 102,375.00 R$ 1,606.50 R$ 787.50 R$ 101,587.50 R$ 1,600.20 R$ 787.50 R$ 100,800.00 R$ 1,593.90 R$ 787.50 R$ 100,012.50 R$ 1,587.60 R$ 787.50 R$ 99,225.00 R$ 1,581.30 R$ 787.50 R$ 98,437.50 R$ 1,575.00 R$ 787.50 R$ 97,650.00 R$ 1,568.70 R$ 787.50 R$ 96,862.50

R$ 1,562.40 R$ 787.50 R$ 96,075.00 R$ 1,556.10 R$ 787.50 R$ 95,287.50 R$ 1,549.80 R$ 787.50 R$ 94,500.00 R$ 1,543.50 R$ 787.50 R$ 93,712.50 R$ 1,537.20 R$ 787.50 R$ 92,925.00 R$ 1,530.90 R$ 787.50 R$ 92,137.50 R$ 1,524.60 R$ 787.50 R$ 91,350.00 R$ 1,518.30 R$ 787.50 R$ 90,562.50 R$ 1,512.00 R$ 787.50 R$ 89,775.00 R$ 1,505.70 R$ 787.50 R$ 88,987.50 R$ 1,499.40 R$ 787.50 R$ 88,200.00 R$ 1,493.10 R$ 787.50 R$ 87,412.50 R$ 1,486.80 R$ 787.50 R$ 86,625.00 R$ 1,480.50 R$ 787.50 R$ 85,837.50 R$ 1,474.20 R$ 787.50 R$ 85,050.00 R$ 1,467.90 R$ 787.50 R$ 84,262.50 R$ 1,461.60 R$ 787.50 R$ 83,475.00 R$ 1,455.30 R$ 787.50 R$ 82,687.50 R$ 1,449.00 R$ 787.50 R$ 81,900.00 R$ 1,442.70 R$ 787.50 R$ 81,112.50 R$ 1,436.40 R$ 787.50 R$ 80,325.00 R$ 1,430.10 R$ 787.50 R$ 79,537.50 R$ 1,423.80 R$ 787.50 R$ 78,750.00 R$ 1,417.50 R$ 787.50 R$ 77,962.50 R$ 1,411.20 R$ 787.50 R$ 77,175.00 R$ 1,404.90 R$ 787.50 R$ 76,387.50 R$ 1,398.60 R$ 787.50 R$ 75,600.00 R$ 1,392.30 R$ 787.50 R$ 74,812.50 R$ 1,386.00 R$ 787.50 R$ 74,025.00 R$ 1,379.70 R$ 787.50 R$ 73,237.50 R$ 1,373.40 R$ 787.50 R$ 72,450.00 R$ 1,367.10 R$ 787.50 R$ 71,662.50 R$ 1,360.80 R$ 787.50 R$ 70,875.00 R$ 1,354.50 R$ 787.50 R$ 70,087.50 R$ 1,348.20 R$ 787.50 R$ 69,300.00 R$ 1,341.90 R$ 787.50 R$ 68,512.50 R$ 1,335.60 R$ 787.50 R$ 67,725.00 R$ 1,329.30 R$ 787.50 R$ 66,937.50 R$ 1,323.00 R$ 787.50 R$ 66,150.00 R$ 1,316.70 R$ 787.50 R$ 65,362.50 R$ 1,310.40 R$ 787.50 R$ 64,575.00 R$ 1,304.10 R$ 787.50 R$ 63,787.50 R$ 1,297.80 R$ 787.50 R$ 63,000.00 R$ 1,291.50 R$ 787.50 R$ 62,212.50 R$ 1,285.20 R$ 787.50 R$ 61,425.00 R$ 1,278.90 R$ 787.50 R$ 60,637.50

R$ 1,272.60 R$ 787.50 R$ 59,850.00 R$ 1,266.30 R$ 787.50 R$ 59,062.50 R$ 1,260.00 R$ 787.50 R$ 58,275.00 R$ 1,253.70 R$ 787.50 R$ 57,487.50 R$ 1,247.40 R$ 787.50 R$ 56,700.00 R$ 1,241.10 R$ 787.50 R$ 55,912.50 R$ 1,234.80 R$ 787.50 R$ 55,125.00 R$ 1,228.50 R$ 787.50 R$ 54,337.50 R$ 1,222.20 R$ 787.50 R$ 53,550.00 R$ 1,215.90 R$ 787.50 R$ 52,762.50 R$ 1,209.60 R$ 787.50 R$ 51,975.00 R$ 1,203.30 R$ 787.50 R$ 51,187.50 R$ 1,197.00 R$ 787.50 R$ 50,400.00 R$ 1,190.70 R$ 787.50 R$ 49,612.50 R$ 1,184.40 R$ 787.50 R$ 48,825.00 R$ 1,178.10 R$ 787.50 R$ 48,037.50 R$ 1,171.80 R$ 787.50 R$ 47,250.00 R$ 1,165.50 R$ 787.50 R$ 46,462.50 R$ 1,159.20 R$ 787.50 R$ 45,675.00 R$ 1,152.90 R$ 787.50 R$ 44,887.50 R$ 1,146.60 R$ 787.50 R$ 44,100.00 R$ 1,140.30 R$ 787.50 R$ 43,312.50 R$ 1,134.00 R$ 787.50 R$ 42,525.00 R$ 1,127.70 R$ 787.50 R$ 41,737.50 R$ 1,121.40 R$ 787.50 R$ 40,950.00 R$ 1,115.10 R$ 787.50 R$ 40,162.50 R$ 1,108.80 R$ 787.50 R$ 39,375.00 R$ 1,102.50 R$ 787.50 R$ 38,587.50 R$ 1,096.20 R$ 787.50 R$ 37,800.00 R$ 1,089.90 R$ 787.50 R$ 37,012.50 R$ 1,083.60 R$ 787.50 R$ 36,225.00 R$ 1,077.30 R$ 787.50 R$ 35,437.50 R$ 1,071.00 R$ 787.50 R$ 34,650.00 R$ 1,064.70 R$ 787.50 R$ 33,862.50 R$ 1,058.40 R$ 787.50 R$ 33,075.00 R$ 1,052.10 R$ 787.50 R$ 32,287.50 R$ 1,045.80 R$ 787.50 R$ 31,500.00 R$ 1,039.50 R$ 787.50 R$ 30,712.50 R$ 1,033.20 R$ 787.50 R$ 29,925.00 R$ 1,026.90 R$ 787.50 R$ 29,137.50 R$ 1,020.60 R$ 787.50 R$ 28,350.00 R$ 1,014.30 R$ 787.50 R$ 27,562.50 R$ 1,008.00 R$ 787.50 R$ 26,775.00 R$ 1,001.70 R$ 787.50 R$ 25,987.50 R$ 995.40 R$ 787.50 R$ 25,200.00 R$ 989.10 R$ 787.50 R$ 24,412.50

R$ 982.80 R$ 787.50 R$ 23,625.00 R$ 976.50 R$ 787.50 R$ 22,837.50 R$ 970.20 R$ 787.50 R$ 22,050.00 R$ 963.90 R$ 787.50 R$ 21,262.50 R$ 957.60 R$ 787.50 R$ 20,475.00 R$ 951.30 R$ 787.50 R$ 19,687.50 R$ 945.00 R$ 787.50 R$ 18,900.00 R$ 938.70 R$ 787.50 R$ 18,112.50 R$ 932.40 R$ 787.50 R$ 17,325.00 R$ 926.10 R$ 787.50 R$ 16,537.50 R$ 919.80 R$ 787.50 R$ 15,750.00 R$ 913.50 R$ 787.50 R$ 14,962.50 R$ 907.20 R$ 787.50 R$ 14,175.00 R$ 900.90 R$ 787.50 R$ 13,387.50 R$ 894.60 R$ 787.50 R$ 12,600.00 R$ 888.30 R$ 787.50 R$ 11,812.50 R$ 882.00 R$ 787.50 R$ 11,025.00 R$ 875.70 R$ 787.50 R$ 10,237.50 R$ 869.40 R$ 787.50 R$ 9,450.00 R$ 863.10 R$ 787.50 R$ 8,662.50 R$ 856.80 R$ 787.50 R$ 7,875.00 R$ 850.50 R$ 787.50 R$ 7,087.50 R$ 844.20 R$ 787.50 R$ 6,300.00 R$ 837.90 R$ 787.50 R$ 5,512.50 R$ 831.60 R$ 787.50 R$ 4,725.00 R$ 825.30 R$ 787.50 R$ 3,937.50 R$ 819.00 R$ 787.50 R$ 3,150.00 R$ 812.70 R$ 787.50 R$ 2,362.50 R$ 806.40 R$ 787.50 R$ 1,575.00 R$ 800.10 R$ 787.50 R$ 787.50 R$ 793.80 R$ 787.50 -R$ 0.00

R$ 79,077.60

Valor do Financiamento R$ 100,000.00 Prazo 25 quadrimestreTaxa 5.00% a.q.Valor da Parcela R$ 7,095.25

SACPrazo Juros

01 R$ 5,000.00 2 R$ 4,800.00 3 R$ 4,600.00 4 R$ 4,400.00 5 R$ 4,200.00 6 R$ 4,000.00 7 R$ 3,800.00 8 R$ 3,600.00 9 R$ 3,400.00 10 R$ 3,200.00 11 R$ 3,000.00 12 R$ 2,800.00 13 R$ 2,600.00 14 R$ 2,400.00 15 R$ 2,200.00 16 R$ 2,000.00 17 R$ 1,800.00 18 R$ 1,600.00 19 R$ 1,400.00 20 R$ 1,200.00 21 R$ 1,000.00 22 R$ 800.00 23 R$ 600.00 24 R$ 400.00 25 R$ 200.00


R$ 100,000.00 R$ 9,000.00 R$ 4,000.00 R$ 96,000.00 R$ 8,800.00 R$ 4,000.00 R$ 92,000.00 R$ 8,600.00 R$ 4,000.00 R$ 88,000.00 R$ 8,400.00 R$ 4,000.00 R$ 84,000.00 R$ 8,200.00 R$ 4,000.00 R$ 80,000.00 R$ 8,000.00 R$ 4,000.00 R$ 76,000.00 R$ 7,800.00 R$ 4,000.00 R$ 72,000.00 R$ 7,600.00 R$ 4,000.00 R$ 68,000.00 R$ 7,400.00 R$ 4,000.00 R$ 64,000.00 R$ 7,200.00 R$ 4,000.00 R$ 60,000.00 R$ 7,000.00 R$ 4,000.00 R$ 56,000.00 R$ 6,800.00 R$ 4,000.00 R$ 52,000.00 R$ 6,600.00 R$ 4,000.00 R$ 48,000.00 R$ 6,400.00 R$ 4,000.00 R$ 44,000.00 R$ 6,200.00 R$ 4,000.00 R$ 40,000.00 R$ 6,000.00 R$ 4,000.00 R$ 36,000.00 R$ 5,800.00 R$ 4,000.00 R$ 32,000.00 R$ 5,600.00 R$ 4,000.00 R$ 28,000.00 R$ 5,400.00 R$ 4,000.00 R$ 24,000.00 R$ 5,200.00 R$ 4,000.00 R$ 20,000.00 R$ 5,000.00 R$ 4,000.00 R$ 16,000.00 R$ 4,800.00 R$ 4,000.00 R$ 12,000.00 R$ 4,600.00 R$ 4,000.00 R$ 8,000.00 R$ 4,400.00 R$ 4,000.00 R$ 4,000.00 R$ 4,200.00 R$ 4,000.00 R$ -

Valor do Financiamento R$ 300,000.00 Prazo 6 semestresTaxa 14.02% a.s.Valor da Parcela R$ 77,189.51

PRICEPrazo Juros

01 R$ 42,060.00 2 R$ 37,134.84 3 R$ 31,519.18 4 R$ 25,116.20 5 R$ 17,815.52 6 R$ 9,491.29

Taxa AnunciadaTaxa Convertida

PRICEParcela Amortização Saldo Devedor

R$ 300,000.00 R$ 77,189.51 R$ 35,129.51 R$ 264,870.49 R$ 77,189.51 R$ 40,054.66 R$ 224,815.83 R$ 77,189.51 R$ 45,670.33 R$ 179,145.51 R$ 77,189.51 R$ 52,073.31 R$ 127,072.20 R$ 77,189.51 R$ 59,373.98 R$ 67,698.22 R$ 77,189.51 R$ 67,698.22 R$ -

30.00% a.a.14.02% a.s.


SACPrazo Juros

01 R$ 2,000.00 2 R$ 1,600.00 3 R$ 1,200.00 4 R$ 800.00 5 R$ 400.00


R$ 40,000.00 R$ 10,000.00 R$ 8,000.00 R$ 32,000.00 R$ 9,600.00 R$ 8,000.00 R$ 24,000.00 R$ 9,200.00 R$ 8,000.00 R$ 16,000.00 R$ 8,800.00 R$ 8,000.00 R$ 8,000.00 R$ 8,400.00 R$ 8,000.00 R$ -


PRICEPrazo Juros

01 R$ 9,000.00 2 R$ 8,665.06 3 R$ 8,320.07 4 R$ 7,964.73 5 R$ 7,598.73 6 R$ 7,221.75 7 R$ 6,833.46 8 R$ 6,433.52 9 R$ 6,021.59 10 R$ 5,597.30 11 R$ 5,160.27 12 R$ 4,710.14 13 R$ 4,246.50 14 R$ 3,768.96 15 R$ 3,277.08 16 R$ 2,770.45 17 R$ 2,248.63 18 R$ 1,711.14 19 R$ 1,157.54 20 R$ 587.32

PRICEParcela Amortização Saldo Devedor

R$ 300,000.00 R$ 20,164.71 R$ 11,164.71 R$ 288,835.29 R$ 20,164.71 R$ 11,499.65 R$ 277,335.63 R$ 20,164.71 R$ 11,844.64 R$ 265,490.99 R$ 20,164.71 R$ 12,199.98 R$ 253,291.01 R$ 20,164.71 R$ 12,565.98 R$ 240,725.03 R$ 20,164.71 R$ 12,942.96 R$ 227,782.06 R$ 20,164.71 R$ 13,331.25 R$ 214,450.81 R$ 20,164.71 R$ 13,731.19 R$ 200,719.63 R$ 20,164.71 R$ 14,143.12 R$ 186,576.50 R$ 20,164.71 R$ 14,567.42 R$ 172,009.09 R$ 20,164.71 R$ 15,004.44 R$ 157,004.65 R$ 20,164.71 R$ 15,454.57 R$ 141,550.07 R$ 20,164.71 R$ 15,918.21 R$ 125,631.86 R$ 20,164.71 R$ 16,395.76 R$ 109,236.11 R$ 20,164.71 R$ 16,887.63 R$ 92,348.48 R$ 20,164.71 R$ 17,394.26 R$ 74,954.22 R$ 20,164.71 R$ 17,916.09 R$ 57,038.13 R$ 20,164.71 R$ 18,453.57 R$ 38,584.57 R$ 20,164.71 R$ 19,007.18 R$ 19,577.39 R$ 20,164.71 R$ 19,577.39 R$ -

Mate

riais

Dire

to

Item Consumo (Kg) Preço Médio (Kg) Subtotal

Carnes 1,800 R$ 8.00 R$ 14,400.00 Cereais 2,100 R$ 6.00 R$ 12,600.00 Verdura 1,300 R$ 5.00 R$ 6,500.00 Frutas 800 R$ 4.50 R$ 3,600.00 Temperos 90 R$ 3.00 R$ 270.00 Diversos 20 R$ 18.00 R$ 360.00

Soma R$ 37,730.00

Mão d

e O

bra

Funcionário Quantidade Salário Subtotal

Cozinheiro 2 R$ 400.00 R$ 800.00 Copeiro 1 R$ 300.00 R$ 300.00 Garçons 4 R$ 280.00 R$ 1,120.00 Ajudantes Gerais 2 R$ 250.00 R$ 500.00

R$ 2,720.00

Encargos Salário 126% R$ 3,427.20

Total R$ 6,147.20

Dep

recia

ção

Item Valor (R$) Depreciação (Anos)

Imóveis R$ 100,000.00 20Reforma/Adequação R$ 40,000.00 20Máquinas R$ 28,000.00 10Móveis/Utensílios R$ 22,000.00 10

Descrição Valor ($)

Segurança R$ 800.00 Energia R$ 260.00 IPTU R$ 180.00 Contador R$ 300.00

Soma R$ 1,540.00

Resumo Total Mensal Unitário

Materiais Diretos R$ 37,730.00 R$ 6.29 Mão de Obra R$ 6,147.20 R$ 1.02 Depreciação R$ 1,000.00 R$ 0.17 Despesas R$ 1,540.00 R$ 0.26

Gasto Total R$ 46,417.20 R$ 7.74

Desp

esas

Men

sais

Depreciação Anual ($) Depreciação Mensal ($)

R$ 5,000.00 R$ 416.67 R$ 2,000.00 R$ 166.67 R$ 2,800.00 R$ 233.33 R$ 2,200.00 R$ 183.33 R$ 12,000.00 R$ 1,000.00

Investimento Valor ($)

Compra do Imóvel R$ 100,000.00 Reforma do Imóvel R$ 40,000.00 Compra de Máquina R$ 28,000.00 Compra de Móveis R$ 22,000.00

Capital de Giro R$ 10,000.00 Total R$ 200,000.00

Lucro Mínimo (Total) R$ 54,000.00 a.a.Lucro Mínimo (Mensal) R$ 4,500.00 a.m.

Descrição Total Mensal Unitário

Gastos Totais R$ 46,417.20 R$ 7.74 Lucro Desejado R$ 4,500.00 R$ 0.75 Soma R$ 50,917.20 R$ 8.49

ICMS (12%) R$ 9.50

Métodos de Investimentos

- PAYBACK (RETORNO/PRAZO)- VPL (VALOR PRESENTE LÍQUIDO) CUSTO DO CAPITAL - 13%- TIR (TAXA INTERNA DE RETORNO)

ANO ENTRADA DE CAIXA TIR0 -R$ 15,000,000.00 14.76%1 R$ 600,000.00 2 R$ 1,000,000.00 3 R$ 1,000,000.00 4 R$ 2,000,000.00 5 R$ 3,000,000.00 6 R$ 3,500,000.00 7 R$ 4,000,000.00 8 R$ 6,000,000.00 9 R$ 8,000,000.00 10 R$ 12,000,000.00

VPLTIR

PAYBACK

VPL PAYBACKR$ 1,698,543.00

Matemática Financeira Com Excel (Mossoró) 22.04.2016

Documents

Transcript of Matemática Financeira Com Excel (Mossoró) 22.04.2016