Calculadora financeira
Valor do dinheiro no tempo, parcelas de empréstimo e amortização — como uma HP-12C no navegador.
Try an example
NPV & IRR — Cash flow analysis
Enter an initial investment (period 0, usually negative) followed by expected returns at each future period. Money in is positive, money out is negative.
Depreciation schedule
How an asset's book value falls each year under three standard methods. Choose the method tax/accounting rules require.
How Time Value of Money works
A real financial calculator uses one equation linking five variables. Lock four of them and the fifth has only one possible value:
PV × (1 + i)N + PMT × ((1 + i)N − 1) / i + FV = 0
i is the per-period rate (annual rate ÷ periods per year). N is total periods. The HP-12C, TI BA II Plus, and 10bII all solve the same equation — this calculator does too.
Common scenarios
- Mortgage payment: N = months, PV = loan amount, FV = 0, solve PMT.
- Loan payoff time: Fix PMT, PV, rate, solve N.
- Retirement projection: PV = current savings, PMT = monthly contribution (negative), solve FV.
- Required rate of return: Fix PV, PMT, FV, N, solve I/Y.
- How much to save now: Fix FV (goal), PMT, N, rate, solve PV.
Perguntas frequentes
O que é Valor do Dinheiro no Tempo?
É o princípio de que um real hoje vale mais do que um real amanhã, pois pode render juros.
Os resultados são apenas informativos e não constituem aconselhamento profissional financeiro, médico ou jurídico. Verifique números importantes com um profissional qualificado antes de agir.