Calculadora de taxa de juros efetiva
Calculadora de taxa de juros efetiva
A calculadora de taxa de juros efetiva é usada para calcular a taxa de juros anual efetiva com base na taxa de juros anual nominal e no número de períodos compostos por ano.
O que é taxa de juros efetiva
A taxa de juros efetiva é a taxa de juros de um empréstimo ou produto financeiro corrigida da taxa de juros nominal como uma taxa de juros com juros compostos anuais a pagar em atraso. É usado para comparar os juros anuais entre empréstimos com diferentes termos compostos (diário, mensal, trimestral, semestral, anual ou outros). É também chamado de taxa de juros anual efetiva, taxa equivalente anual (AER) ou simplesmente taxa efetiva.
Fórmula
A taxa de juros efetiva é calculada como se fosse composta anualmente. A seguir, é apresentada a fórmula de cálculo da taxa de juros efetiva:
r = [1 + (i / n)] n - 1
Onde:
r = taxa de juros efetiva
i = taxa de juros anual nominal
n = número de períodos compostos por ano (por exemplo, 12 para composição mensal)
Se a composição for contínua, o cálculo será:
r = ei - 1
Onde:
r = taxa de juros efetiva
i = taxa de juros anual nominal
e = 2.71828183
Tabela de taxa de juros efetiva
A tabela da taxa de juros efetiva abaixo mostra a taxa anual efetiva com base na frequência de composição das taxas de juros nominais entre 1% e 50%:
| Taxa nominal | Semi anualmente | Trimestral | Por mês | Diariamente | Contínuo |
|---|---|---|---|---|---|
| 1% | 1,002% | 1,004% | 1,005% | 1,005% | 1,005% |
| 2% | 2,010% | 2,015% | 2,018% | 2,020% | 2,020% |
| 3% | 3,022% | 3,034% | 3,042% | 3,045% | 3,045% |
| 4% | 4,040% | 4,060% | 4,074% | 4,081% | 4,081% |
| 5% | 5,062% | 5,095% | 5,116% | 5,127% | 5,127% |
| 6% | 6,090% | 6,136% | 6,168% | 6,183% | 6,184% |
| 7% | 7,122% | 7,186% | 7,229% | 7,250% | 7,251% |
| 8% | 8,160% | 8,243% | 8.300% | 8,328% | 8,329% |
| 9% | 9,202% | 9,308% | 9,381% | 9,416% | 9,417% |
| 10% | 10,250% | 10,381% | 10,471% | 10,516% | 10,517% |
| 11% | 11,302% | 11,462% | 11,572% | 11,626% | 11,628% |
| 12% | 12,360% | 12,551% | 12,683% | 12,747% | 12,750% |
| 13% | 13,422% | 13,648% | 13,803% | 13,880% | 13,883% |
| 14% | 14,490% | 14,752% | 14,934% | 15,024% | 15,027% |
| 15% | 15,562% | 15,865% | 16,075% | 16,180% | 16,183% |
| 16% | 16,640% | 16,986% | 17,227% | 17,347% | 17,351% |
| 17% | 17,722% | 18,115% | 18,389% | 18,526% | 18,530% |
| 18% | 18,810% | 19,252% | 19,562% | 19,716% | 19,722% |
| 19% | 19,903% | 20,397% | 20,745% | 20,919% | 20,925% |
| 20% | 21.000% | 21,551% | 21,939% | 22,134% | 22,140% |
| 21% | 22,103% | 22,712% | 23,144% | 23,360% | 23,368% |
| 22% | 23,210% | 23,882% | 24,360% | 24,599% | 24,608% |
| 23% | 24,323% | 25,061% | 25,586% | 25,851% | 25,860% |
| 24% | 25,440% | 26,248% | 26,824% | 27,115% | 27,125% |
| 25% | 26,563% | 27,443% | 28,073% | 28,392% | 28,403% |
| 26% | 27,690% | 28,647% | 29,333% | 29,681% | 29,693% |
| 27% | 28,822% | 29,859% | 30,605% | 30,983% | 30,996% |
| 28% | 29,960% | 31,080% | 31,888% | 32,299% | 32,313% |
| 29% | 31,103% | 32,309% | 33,183% | 33,627% | 33,643% |
| 30% | 32,250% | 33,547% | 34,489% | 34,969% | 34,986% |
| 31% | 33,403% | 34,794% | 35,807% | 36,325% | 36,343% |
| 32% | 34,560% | 36,049% | 37,137% | 37,693% | 37,713% |
| 33% | 35,723% | 37,313% | 38,478% | 39,076% | 39,097% |
| 34% | 36,890% | 38,586% | 39,832% | 40,473% | 40,495% |
| 35% | 38,063% | 39,868% | 41,198% | 41,883% | 41,907% |
| 36% | 39,240% | 41,158% | 42,576% | 43,308% | 43,333% |
| 37% | 40,423% | 42,458% | 43,966% | 44,746% | 44,773% |
| 38% | 41,610% | 43,766% | 45,369% | 46.200% | 46,228% |
| 39% | 42,803% | 45,084% | 46,785% | 47,667% | 47,698% |
| 40% | 44.000% | 46,410% | 48,213% | 49,150% | 49,182% |
| 41% | 45,203% | 47,746% | 49,653% | 50,647% | 50,682% |
| 42% | 46,410% | 49,090% | 51,107% | 52,159% | 52,196% |
| 43% | 47,623% | 50,444% | 52,573% | 53,687% | 53,726% |
| 44% | 48,840% | 51,807% | 54,053% | 55,230% | 55,271% |
| 45% | 50,063% | 53,179% | 55,545% | 56,788% | 56,831% |
| 46% | 51,290% | 54,561% | 57,051% | 58,362% | 58,407% |
| 47% | 52,522% | 55,952% | 58,571% | 59,951% | 59,999% |
| 48% | 53,760% | 57,352% | 60,103% | 61,556% | 61,607% |
| 49% | 55,003% | 58,762% | 61,649% | 63,178% | 63,232% |
| 50% | 56,250% | 60,181% | 63,209% | 64,816% | 64,872% |