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Casa > Calculadora financeira > Calculadora de taxa de juros efetiva

Calculadora de taxa de juros efetiva

Taxa de juros anual nominal: %
Número de períodos compostos por ano: Deixe em branco se a composição for contínua

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%

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