Tabua Financeira (1)

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Profa. Ana Claudia Pinho Tábua Financeira Valores de (1+i) n - Juros Compostos n 0,5% 1% 1,5% 2% 2,5% 3% 3,5% 4% 4,5% 5% 5,5% 6% 8% 10% 15% 20% 24% 30% 36% 1 1.00500 1.0100 0 1.0150 0 1.0200 0 1.0250 0 1.0300 0 1.0350 0 1.0400 0 1.0450 0 1.0500 0 1.0550 0 1.0600 0 1.0800 0 1.1000 0 1.1500 0 1.2000 0 1.2400 0 1.3000 0 1.3600 0 2 1.01003 1.0201 0 1.0302 3 1.0404 0 1.0506 3 1.0609 0 1.0712 3 1.0816 0 1.0920 3 1.1025 0 1.1130 3 1.1236 0 1.1664 0 1.2100 0 1.3225 0 1.4400 0 1.5376 0 1.6900 0 1.8496 0 3 1.01508 1.0303 0 1.0456 8 1.0612 1 1.0768 9 1.0927 3 1.1087 2 1.1248 6 1.1411 7 1.1576 3 1.1742 4 1.1910 2 1.2597 1 1.3310 0 1.5208 8 1.7280 0 1.9066 2 2.1970 0 2.5154 6 4 1.02015 1.0406 0 1.0613 6 1.0824 3 1.1038 1 1.1255 1 1.1475 2 1.1698 6 1.1925 2 1.2155 1 1.2388 3 1.2624 8 1.3604 9 1.4641 0 1.7490 1 2.0736 0 2.3642 1 2.8561 0 3.4210 2 5 1.02525 1.0510 1 1.0772 8 1.1040 8 1.1314 1 1.1592 7 1.1876 9 1.2166 5 1.2461 8 1.2762 8 1.3069 6 1.3382 3 1.4693 3 1.6105 1 2.0113 6 2.4883 2 2.9316 3 3.7129 3 4.6525 9 6 1.03038 1.0615 2 1.0934 4 1.1261 6 1.1596 9 1.1940 5 1.2292 6 1.2653 2 1.3022 6 1.3400 9 1.3788 4 1.4185 2 1.5868 7 1.7715 6 2.3130 6 2.9859 8 3.6352 2 4.8268 1 6.3275 2 7 1.03553 1.0721 4 1.1098 5 1.1486 9 1.1886 9 1.2298 7 1.2722 8 1.3159 3 1.3608 6 1.4071 0 1.4546 8 1.5036 3 1.7138 2 1.9487 2 2.6600 2 3.5831 8 4.5076 7 6.2748 5 8.6054 3 8 1.04071 1.0828 6 1.1264 9 1.1716 6 1.2184 0 1.2667 7 1.3168 1 1.3685 7 1.4221 0 1.4774 6 1.5346 9 1.5938 5 1.8509 3 2.1435 9 3.0590 2 4.2998 2 5.5895 1 8.1573 1 11.703 38 9 1.04591 1.0936 9 1.1433 9 1.1950 9 1.2488 6 1.3047 7 1.3628 9 1.4233 1 1.4861 0 1.5513 3 1.6190 9 1.6894 8 1.9990 0 2.3579 5 3.5178 8 5.1597 8 6.9309 9 10.604 50 15.916 60 10 1.05114 1.1046 2 1.1605 4 1.2189 9 1.2800 9 1.3439 2 1.4106 0 1.4802 4 1.5529 7 1.6288 9 1.7081 4 1.7908 5 2.1589 3 2.5937 4 4.0455 6 6.1917 4 8.5944 3 13.785 85 21.646 57 11 1.05639 1.1156 7 1.1779 5 1.2433 7 1.3120 9 1.3842 3 1.4599 7 1.5394 5 1.6228 5 1.7103 4 1.8020 9 1.8983 0 2.3316 4 2.8531 2 4.6523 9 7.4300 8 10.657 08 17.921 60 29.439 33 12 1.06168 1.1268 3 1.1956 2 1.2682 4 1.3448 9 1.4257 6 1.5110 7 1.6010 3 1.6958 8 1.7958 6 1.9012 1 2.0122 0 2.5181 7 3.1384 3 5.3502 5 8.9161 0 13.214 78 23.298 08 40.037 50 13 1.06699 1.1380 9 1.2135 5 1.2936 1 1.3785 1 1.4685 3 1.5639 6 1.6650 7 1.7722 0 1.8856 5 2.0057 7 2.1329 3 2.7196 2 3.4522 7 6.1527 9 10.699 32 16.386 34 30.287 51 54.450 99 14 1.07232 1.1494 7 1.2317 6 1.3194 8 1.4129 7 1.5125 9 1.6187 0 1.7316 8 1.8519 5 1.9799 3 2.1160 9 2.2609 0 2.9371 9 3.7975 0 7.0757 1 12.839 18 20.319 05 39.373 76 74.053 35 15 1.07768 1.1609 7 1.2502 3 1.3458 7 1.4483 0 1.5579 7 1.6753 5 1.8009 4 1.9352 8 2.0789 3 2.2324 8 2.3965 6 3.1721 7 4.1772 5 8.1370 6 15.407 02 25.195 63 51.185 89 100.71 25 16 1.08307 1.1725 8 1.2689 9 1.3727 9 1.4845 1 1.6047 1 1.7339 9 1.8729 8 2.0223 7 2.1828 7 2.3552 6 2.5403 5 3.4259 4 4.5949 7 9.3576 2 18.488 42 31.242 59 66.541 66 136.96 91 17 1.08849 1.1843 0 1.2880 2 1.4002 4 1.5126 2 1.6528 5 1.7946 8 1.9479 0 2.1133 8 2.2920 2 2.4848 0 2.6927 7 3.7000 2 5.0544 7 10.761 26 22.186 11 38.740 81 86.504 16 186.27 79 18 1.09393 1.1961 5 1.3073 4 1.4282 5 1.5596 6 1.7024 3 1.8574 9 2.0258 2 2.2084 8 2.4066 2 2.6214 5 2.8543 4 3.9960 2 5.5599 2 12.375 45 26.623 33 48.038 60 112.45 54 253.33 80 19 1.09939 1.2081 1 1.3269 5 1.4568 1 1.5986 5 1.7535 1 1.9225 0 2.1068 5 2.3078 6 2.5269 5 2.7656 5 3.0256 0 4.3157 0 6.1159 1 14.231 77 31.948 00 59.567 86 146.19 20 344.53 97 20 1.10489 1.2201 9 1.3468 6 1.4859 5 1.6386 2 1.8061 1 1.9897 9 2.1911 2 2.4117 1 2.6533 0 2.9177 6 3.2071 4 4.6609 6 6.7275 0 16.366 53 38.337 60 73.864 15 190.04 96 468.57 40

Transcript of Tabua Financeira (1)

Page 1: Tabua Financeira (1)

Profa. Ana Claudia Pinho Tábua Financeira Valores de (1+i) n - Juros Compostos

n 0,5% 1% 1,5% 2% 2,5% 3% 3,5% 4% 4,5% 5% 5,5% 6% 8% 10% 15% 20% 24% 30% 36%1 1.00500 1.01000 1.01500 1.02000 1.02500 1.03000 1.03500 1.04000 1.04500 1.05000 1.05500 1.06000 1.08000 1.10000 1.15000 1.20000 1.24000 1.30000 1.36000

2 1.01003 1.02010 1.03023 1.04040 1.05063 1.06090 1.07123 1.08160 1.09203 1.10250 1.11303 1.12360 1.16640 1.21000 1.32250 1.44000 1.53760 1.69000 1.84960

3 1.01508 1.03030 1.04568 1.06121 1.07689 1.09273 1.10872 1.12486 1.14117 1.15763 1.17424 1.19102 1.25971 1.33100 1.52088 1.72800 1.90662 2.19700 2.51546

4 1.02015 1.04060 1.06136 1.08243 1.10381 1.12551 1.14752 1.16986 1.19252 1.21551 1.23883 1.26248 1.36049 1.46410 1.74901 2.07360 2.36421 2.85610 3.42102

5 1.02525 1.05101 1.07728 1.10408 1.13141 1.15927 1.18769 1.21665 1.24618 1.27628 1.30696 1.33823 1.46933 1.61051 2.01136 2.48832 2.93163 3.71293 4.65259

6 1.03038 1.06152 1.09344 1.12616 1.15969 1.19405 1.22926 1.26532 1.30226 1.34009 1.37884 1.41852 1.58687 1.77156 2.31306 2.98598 3.63522 4.82681 6.32752

7 1.03553 1.07214 1.10985 1.14869 1.18869 1.22987 1.27228 1.31593 1.36086 1.40710 1.45468 1.50363 1.71382 1.94872 2.66002 3.58318 4.50767 6.27485 8.60543

8 1.04071 1.08286 1.12649 1.17166 1.21840 1.26677 1.31681 1.36857 1.42210 1.47746 1.53469 1.59385 1.85093 2.14359 3.05902 4.29982 5.58951 8.15731 11.70338

9 1.04591 1.09369 1.14339 1.19509 1.24886 1.30477 1.36289 1.42331 1.48610 1.55133 1.61909 1.68948 1.99900 2.35795 3.51788 5.15978 6.93099 10.60450 15.91660

10 1.05114 1.10462 1.16054 1.21899 1.28009 1.34392 1.41060 1.48024 1.55297 1.62889 1.70814 1.79085 2.15893 2.59374 4.04556 6.19174 8.59443 13.78585 21.64657

11 1.05639 1.11567 1.17795 1.24337 1.31209 1.38423 1.45997 1.53945 1.62285 1.71034 1.80209 1.89830 2.33164 2.85312 4.65239 7.43008 10.65708 17.92160 29.43933

12 1.06168 1.12683 1.19562 1.26824 1.34489 1.42576 1.51107 1.60103 1.69588 1.79586 1.90121 2.01220 2.51817 3.13843 5.35025 8.91610 13.21478 23.29808 40.03750

13 1.06699 1.13809 1.21355 1.29361 1.37851 1.46853 1.56396 1.66507 1.77220 1.88565 2.00577 2.13293 2.71962 3.45227 6.15279 10.69932 16.38634 30.28751 54.45099

14 1.07232 1.14947 1.23176 1.31948 1.41297 1.51259 1.61870 1.73168 1.85195 1.97993 2.11609 2.26090 2.93719 3.79750 7.07571 12.83918 20.31905 39.37376 74.05335

15 1.07768 1.16097 1.25023 1.34587 1.44830 1.55797 1.67535 1.80094 1.93528 2.07893 2.23248 2.39656 3.17217 4.17725 8.13706 15.40702 25.19563 51.18589 100.7125

16 1.08307 1.17258 1.26899 1.37279 1.48451 1.60471 1.73399 1.87298 2.02237 2.18287 2.35526 2.54035 3.42594 4.59497 9.35762 18.48842 31.24259 66.54166 136.9691

17 1.08849 1.18430 1.28802 1.40024 1.51262 1.65285 1.79468 1.94790 2.11338 2.29202 2.48480 2.69277 3.70002 5.05447 10.76126 22.18611 38.74081 86.50416 186.2779

18 1.09393 1.19615 1.30734 1.42825 1.55966 1.70243 1.85749 2.02582 2.20848 2.40662 2.62145 2.85434 3.99602 5.55992 12.37545 26.62333 48.03860 112.4554 253.3380

19 1.09939 1.20811 1.32695 1.45681 1.59865 1.75351 1.92250 2.10685 2.30786 2.52695 2.76565 3.02560 4.31570 6.11591 14.23177 31.94800 59.56786 146.1920 344.5397

20 1.10489 1.22019 1.34686 1.48595 1.63862 1.80611 1.98979 2.19112 2.41171 2.65330 2.91776 3.20714 4.66096 6.72750 16.36653 38.33760 73.86415 190.0496 468.5740

21 1.11042 1.23239 1.36706 1.51567 1.67958 1.86029 2.05943 2.27877 2.52024 2.78596 3.07823 3.39956 5.03383 7.40025 18.82152 46.00512 91.59155 247.0645 637.2606

22 1.11597 1.24472 1.38756 1.54598 1.72157 1.91610 2.13151 2.36992 2.63365 2.92526 3.24754 3.60354 5.43654 8.14028 21.64475 55.20614 113.5735 321.1839 866.6744

23 1.12155 1.25716 1.40838 1.57689 1.76461 1.97359 2.20611 2.46472 2.75217 3.07152 3.42615 3.81975 5.87146 8.95430 24.89146 66.24738 140.8312 417.5391 1178.677

24 1.12716 1.26973 1.42950 1.60844 1.80873 2.03279 2.28333 2.56330 2.87601 3.22510 3.61459 4.04894 6.34118 9.84973 28.62518 79.49684 174.6306 542.8008 1603.001

25 1.13279 1.28243 1.45095 1.64061 1.85394 2.09378 2.36325 2.66584 3.00543 3.38636 3.81339 4.29187 6.84848 10.83471 32.91895 95.39622 216.5420 705.6410 2180.081

30 1.16140 1.34785 1.56308 1.81136 2.09757 2.42726 2.80679 3.24340 3.74532 4.32194 4.98395 5.74349 10.06266 17.44940 66.21177 237.3763 634.8199 2619.996 10143.02

36 1.19668 1.43077 1.70914 2.03989 2.43254 2.89828 3.45027 4.10393 4.87738 5.79182 6.87208 8.14725 15.96817 30.91268 153.1519 708.8019 2307.707 12646.22 64180.15

48 1.27049 1.61223 2.04348 2.58707 3.27149 4.13225 5.21359 6.57053 8.27146 10.40127 13.06526 16.39387 40.21057 97.01723 819.4007 6319.748 30495.86 294632 256961

60 1.34885 1.81669 2.44322 3.28103 4.39979 5.89160 7.87809 10.51963 14.02741 18.67919 24.83977 32.98769 101.2571 304.4816 4383.999 56347.51 402996 686437 102880

72 1.43204 2.04710 2.92116 4.16114 5.91723 8.40002 11.9043 16.84226 23.78882 33.54513 47.22556 66.37715 254.9825 955.5938 23455.49 502400 532551 159927 411909

Abordagem financeira: a tábua apresentada é apropriada para facilitar o cálculo da taxa de juros (i) e relaciona o período da operação (n) com diferentes valores para a divisão M/C. Para encontrar a taxa de juros de uma aplicação, basta dividir o Valor Futuro (Montante) pelo Valor Presente (Capital inicial) e procurar o resultado no respectivo período do cálculo M/C = (1+i)n. Exemplo: Qual a taxa de juros de uma aplicação de R$ 300,00 que gerou um montante (valor futuro) de R$ 439,23,durante 4 meses? Cálculo: 439,23/300 = 1,46410. Procure este número na linha que indica o período de 4 (n), quando encontrar, a taxa de juros estará indicada pela coluna correspondente, neste caso, a taxa será de 10% ao mês.