Simulação de juros compostos

por Nelson Santos

Valor Inicial = O seu investimento inicial

Valor Colocado Mensal = O valor que vai colocar todos os meses
Rentabilidade mensal = O valor de rentabilidade verdadeira, ou seja, descontada
a inflação. Exemplo: se sua carteira rende 1% ao mês e a inflação é de 0,34% no mesmo
período, então a rentabilidade verdadeira é de 0,66%

Os dados em verde são os que você deve editar

Valor Inicial 30,000.00 €

Valor colocado mensal 200.00 €
Rentabilidade mensal 0.72%

Mês Juros Acumulado

1 0.00 30,200.00
2 217.44 30,617.44
3 220.45 31,037.89
4 223.47 31,461.36
5 226.52 31,887.88
6 229.59 32,317.47
7 232.69 32,750.16
8 235.80 33,185.96
9 238.94 33,624.90
10 242.10 34,067.00
11 245.28 34,512.28
12 248.49 34,960.77
13 251.72 35,412.49
14 254.97 35,867.46
15 258.25 36,325.70
16 261.55 36,787.25
17 264.87 37,252.12
18 268.22 37,720.33
19 271.59 38,191.92
20 274.98 38,666.90
21 278.40 39,145.30
22 281.85 39,627.15
23 285.32 40,112.46
24 288.81 40,601.27
25 292.33 41,093.60
26 295.87 41,589.47
27 299.44 42,088.92
28 303.04 42,591.96
29 306.66 43,098.62
30 310.31 43,608.93
31 313.98 44,122.92
 32 317.68 44,640.60
33 321.41 45,162.01
34 325.17 45,687.18
35 328.95 46,216.13
36 332.76 46,748.88
37 336.59 47,285.48
38 340.46 47,825.93
39 344.35 48,370.28
40 348.27 48,918.54
41 352.21 49,470.76
42 356.19 50,026.95
43 360.19 50,587.14
44 364.23 51,151.37
45 368.29 51,719.66
46 372.38 52,292.04
47 376.50 52,868.54
48 380.65 53,449.20
49 384.83 54,034.03
50 389.05 54,623.07
51 393.29 55,216.36
52 397.56 55,813.92
53 401.86 56,415.78
54 406.19 57,021.97
55 410.56 57,632.53
56 414.95 58,247.48
57 419.38 58,866.87
58 423.84 59,490.71
59 428.33 60,119.04
5 anos 60 432.86 60,751.90 Em 5 anos:
61 437.41 61,389.31 Só de juros 18,751.90
62 442.00 62,031.31 Retido IR 3,750.38 20%
63 446.63 62,677.94
64 451.28 63,329.22 Liquido 57,001.52
65 455.97 63,985.19 Renda mensal 337.63
66 460.69 64,645.89
67 465.45 65,311.34
68 470.24 65,981.58
69 475.07 66,656.64
70 479.93 67,336.57
71 484.82 68,021.40
72 489.75 68,711.15
73 494.72 69,405.87
74 499.72 70,105.59
75 504.76 70,810.35
76 509.83 71,520.19
77 514.95 72,235.13
78 520.09 72,955.23
79 525.28 73,680.50
 80 530.50 74,411.00
81 535.76 75,146.76
82 541.06 75,887.82
83 546.39 76,634.21
84 551.77 77,385.98
85 557.18 78,143.16
86 562.63 78,905.79
87 568.12 79,673.91
88 573.65 80,447.56
89 579.22 81,226.78
90 584.83 82,011.62
91 590.48 82,802.10
92 596.18 83,598.27
93 601.91 84,400.18
94 607.68 85,207.86
95 613.50 86,021.36
96 619.35 86,840.71
97 625.25 87,665.97
98 631.19 88,497.16
99 637.18 89,334.34
100 643.21 90,177.55
101 649.28 91,026.83
102 655.39 91,882.22
103 661.55 92,743.77
104 667.76 93,611.53
105 674.00 94,485.53
106 680.30 95,365.83
107 686.63 96,252.46
108 693.02 97,145.48
109 699.45 98,044.93
110 705.92 98,950.85
111 712.45 99,863.30
112 719.02 100,782.31
113 725.63 101,707.94
114 732.30 102,640.24
115 739.01 103,579.25
116 745.77 104,525.02
117 752.58 105,477.60
118 759.44 106,437.04
119 766.35 107,403.39
10 anos 120 773.30 108,376.69 Em 10 anos:
121 780.31 109,357.00 Só de juros 54,376.69
122 787.37 110,344.37 Retido IR 10,875.34 20%
123 794.48 111,338.85
124 801.64 112,340.49 Liquido 97,501.35
125 808.85 113,349.34 Renda mensal 603.18
126 816.12 114,365.46
127 823.43 115,388.89
128 830.80 116,419.69
129 838.22 117,457.91
130 845.70 118,503.61
131 853.23 119,556.84
132 860.81 120,617.64
133 868.45 121,686.09
134 876.14 122,762.23
135 883.89 123,846.12
136 891.69 124,937.81
137 899.55 126,037.36
138 907.47 127,144.83
139 915.44 128,260.28
140 923.47 129,383.75
141 931.56 130,515.31
142 939.71 131,655.02
143 947.92 132,802.94
144 956.18 133,959.12
145 964.51 135,123.63
146 972.89 136,296.52
147 981.33 137,477.85
148 989.84 138,667.69
149 998.41 139,866.10
150 1,007.04 141,073.14
151 1,015.73 142,288.86
152 1,024.48 143,513.34
153 1,033.30 144,746.64
154 1,042.18 145,988.81
155 1,051.12 147,239.93
156 1,060.13 148,500.06
157 1,069.20 149,769.26
158 1,078.34 151,047.60
159 1,087.54 152,335.14
160 1,096.81 153,631.96
161 1,106.15 154,938.11
162 1,115.55 156,253.66
163 1,125.03 157,578.69
164 1,134.57 158,913.25
165 1,144.18 160,257.43
166 1,153.85 161,611.28
167 1,163.60 162,974.88
168 1,173.42 164,348.30
169 1,183.31 165,731.61
170 1,193.27 167,124.88
171 1,203.30 168,528.18
172 1,213.40 169,941.58
173 1,223.58 171,365.16
174 1,233.83 172,798.99
175 1,244.15 174,243.14
 176 1,254.55 175,697.69
177 1,265.02 177,162.71
178 1,275.57 178,638.29
179 1,286.20 180,124.48
15 anos 180 1,296.90 181,621.38 Em 15 anos:
181 1,307.67 183,129.05 Só de juros 115,621.38
182 1,318.53 184,647.58 Retido IR 23,124.28 20%
183 1,329.46 186,177.04
184 1,340.47 187,717.52 Liquido 158,497.10
185 1,351.57 189,269.08 Renda mensal 1011.58
186 1,362.74 190,831.82
187 1,373.99 192,405.81
188 1,385.32 193,991.13
189 1,396.74 195,587.87
190 1,408.23 197,196.10
191 1,419.81 198,815.91
192 1,431.47 200,447.39
193 1,443.22 202,090.61
194 1,455.05 203,745.66
195 1,466.97 205,412.63
196 1,478.97 207,091.60
197 1,491.06 208,782.66
198 1,503.24 210,485.90
199 1,515.50 212,201.39
200 1,527.85 213,929.24
201 1,540.29 215,669.54
202 1,552.82 217,422.36
203 1,565.44 219,187.80
204 1,578.15 220,965.95
205 1,590.95 222,756.90
206 1,603.85 224,560.75
207 1,616.84 226,377.59
208 1,629.92 228,207.51
209 1,643.09 230,050.60
210 1,656.36 231,906.97
211 1,669.73 233,776.70
212 1,683.19 235,659.89
213 1,696.75 237,556.64
214 1,710.41 239,467.05
215 1,724.16 241,391.21
216 1,738.02 243,329.23
217 1,751.97 245,281.20
218 1,766.02 247,247.22
219 1,780.18 249,227.40
220 1,794.44 251,221.84
221 1,808.80 253,230.64
222 1,823.26 255,253.90
223 1,837.83 257,291.73
 224 1,852.50 259,344.23
225 1,867.28 261,411.51
226 1,882.16 263,493.67
227 1,897.15 265,590.82
228 1,912.25 267,703.08
229 1,927.46 269,830.54
230 1,942.78 271,973.32
231 1,958.21 274,131.53
232 1,973.75 276,305.27
233 1,989.40 278,494.67
234 2,005.16 280,699.83
235 2,021.04 282,920.87
236 2,037.03 285,157.90
237 2,053.14 287,411.04
238 2,069.36 289,680.40
239 2,085.70 291,966.10
20 anos 240 2,102.16 294,268.25 Em 20 anos:
Só de juros 216,268.25
Retido IR 43,253.65 20%

Liquido 251,014.60
Renda mensal 1639.68

Copyright © Nelson Santos