mate magic a
TRANSCRIPT
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5/25/2018 Mate Magic A
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Planilha MATEMAGICA.XLSAp rendend o matemtica financeira com o Exc el
Esta planilha deve ser empregada como ferramenta auxiliar do livro"A Matemtica das Finanas", publicado pela Editora Atlas S.A.Visite o site http://www.edatlas.com.br.
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5 5.00% 86.59 20.00
1
Regime N I PV PMT
3 5 5.0000% 20.00
Juros Compo stos (86.59)
O valor futuro igual a -86.58953 no regime de juros c
[f] [REG] 5 [n] 5 [i] 20 [PMT] [g] [END] [PV] Visor => -8
=VF(0.05;5;20;;0)
Operaes na HP12C
Operaes no Excel
MATEMGICA FINANCEIRA NO EClique sobre o valor que deseja obter
Resposta
Operaes financeiras com juros compostos.
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3/84
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3
N I PV PMT
JS 1 ###### ###### 0 [ENTER] 0. No existeD 2 ###### ###### 0 [ENTER] 1 No existe
JC 3 ###### ###### [f] [REG] 5 [n #VALUE!
l 3 c 3 fmula ==>
Opo : 3 juros compostos (No Mexa !!
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1 - Juros Simples
2 - Desconto Bancrio
3 - Juros Compostos
Clculos Financeiros Gerais (No Mexa !!!)
2 3 4 5
1 #DIV/0! #DIV/0! - No tem
2 #DIV/0! #DIV/0! - No tem
3 - #NUM! (86.59) -
Clculos na HP 12C - No Mexa Nunca !!!
Juros N I PV PMT
5 [n] 5 [i] 20 [PMT]
N #VALUE!
I #VALUE!
PV [f] [REG] 5 [n] 5 [i] 20 [PMT] [g] [END] [PV] Visor => -86.5895
PMT #VALUE!
FV #VALUE!
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Regimes
1 - Juros simples2 - Desconto comercial TAXA(nper;pgto;vp;3 - Juros compostos VF(taxa;nper;pgto;v
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VP(taxa;nper;pgto;vf;
Tipos
0 - postecipado
1 - antecipado
Legenda
cod desc simb conc
1 O nmer perodo =NPER(0.05;20;;;0)
2 A taxa de % a.p. =TAXA(5;20;;;0;)
3 O valor presente =VP(0.05;5;20;;0)4 A prestao =PGTO(0.05;5;;;0)
5 O valor futuro =VF(0.05;5;20;;0)
Taxa
1 % a.d. dias 1
2 % a.m. meses 30
3 % a.b. bimestre 60
4 % a.t. trimestr 90
5 % a.q. quadrim 120
6 % a.s. semestr 180
7 % a.a. ano com 3608 % a.a. ( ano civil 365
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13.41 14.4104666
FV Tipo
0 1
Sem entrada
mpostos
.5895
CEL
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FV Tipo
#VALUE!#VALUE!
#VALUE!
[f] [REG] 5 [n] 5 [i] 20 [PMT
)
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6
-
-
(110.51)
FV TIPO
[g] [END]
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f;tipo;estimativa)
;tipo)
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;tipo)
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3 Regime Juros Compostos
?
Taxa A Nper A Taxa B Nper B
#DIV/0!
MATEMGICA FINANCEIRA NO EXCEOperaes com taxas de juros no regime de juros compostos
Equivalncia de taxas de juros.
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? ?
Incio Fim Dias teis Dias corridos
#NAME? 0
Lemb re-se : os fer iados devem estar abastecidos.
lt imo fer iad o fo rnec ido = 12 /31/2003
Pr im eiro fer iado fo rnec ido = 1/1/2001
Relao de feriados bancrios (importante para a contagem de dias tei
1/1/2001 1/1/2002 1/1/20032/26/2001 2/11/2002 3/3/20032/27/2001 2/12/2002 3/4/20034/13/2001 3/29/2002 4/18/20034/21/2001 4/21/2002 4/21/20035/1/2001 5/1/2002 5/1/2003
6/14/2001 5/30/2002 6/19/20039/7/2001 9/7/2002 9/7/2003
10/12/2001 12/12/2002 10/12/200311/2/2001 11/2/2002 11/2/2003
11/15/2001 11/15/2002 11/15/200312/25/2001 12/25/2002 12/25/2003
12/31/2003
Para obter a relao de feriados, visite: http://www.febraban.org.br.
Contagem de dias
MATEMGICA FINANCEIRA NO EXCEOperaes com datas
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s).
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1
Valor Presente
Carncia (m+1)
Taxa ao perodo (%)
Nmero de Pagamentos
Perodo Saldo Saldo
N Inicial Juros Amortizao Total Final
MATEMGICA FINANCEIRA NO EXCELOperaes com sistemas de pagamento
Pagamento
Sistema
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49/84
N mxim o -1
Grficos
Pagamento : Juros e Amortizao
0.901.00
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Price 1
SAC Price
-0.100.20
0.300.400.500.600.700.80 .
Amortizao Juros
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Correo Prestao
Monetria Corrigida
1.001.001.00
1.00 1.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.00
1.001.001.001.001.001.001.001.001.00
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1.001.001.001.001.001.00
1.001.001.001.001.001.001.001.001.001.001.001.00
1.00 1.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.00
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3 3
Data focal
i
Perodo Fluxo de caixa Fluxo na
N nominal data focal
a :
MATEMGICA FINANCEIRA NO EXOperaes com equivalncia de capitais
No regime de juros compostos
Regime
Valor equiv
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Na HP 12C :
TIR
Na HP 12C :
VPL
[f] [REG] 0 [i] [f] [NPV] Visor => 0
#NUM!
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CEL
lente na data focal
.00000
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VPL -TIR #NUM!
Na HP 12C, TIR :
#NUM!
Na HP 12C, VPL :
[f] [REG] 0 [i] [f] [NPV]Visor => 0
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67/84
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SIMPL DESC COMP Perodo
0 0 0 30 0 0 4
0 0 0 110 0 0 12
0 0 0 140 0 0 15
0 0 0 170 0 0 180 0 0 190 0 0 200 0 0 210 0 0 220 0 0 230 0 0 240 0 0 250 0 0 260 0 0 270 0 0 280 0 0 290 0 0 30
0 0 0 310 0 0 320 0 0 330 0 0 340 0 0 350 0 0 360 0 0 370 0 0 380 0 0 390 0 0 40
Frmulas
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0 0 0 410 0 0 420 0 0 430 0 0 440 0 0 450 0 0 460 0 0 47
0 0 0 480 0 0 490 0 0 500 0 0 510 0 0 520 0 0 530 0 0 540 0 0 550 0 0 560 0 0 570 0 0 580 0 0 590 0 0 600 0 0 61
0 0 0 620 0 0 630 0 0 640 0 0 650 0 0 660 0 0 670 0 0 680 0 0 690 0 0 700 0 0 710 0 0 720 0 0 730 0 0 740 0 0 75
0 0 0 760 0 0 770 0 0 78
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Ano FC
0 01 02 03 04 05 06 07 08910
MATEMGICA FINANCEIRA NO EXCEDiagramas de fluxo de caixa
0 1 2 3 4 5 6 7
Taxa dejuros (i)
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9 10
Perodos