RESUMO DE FÓRMULAS UTILIZADAS NO DECORRER DO SEMESTRE

NA DISCIPLINA DE MATEMÁTICA FINANCEIRA

JUROS SIMPLES S = P (1 + i n) J=Pin S=P+J

n n
COMPOSTOS S = P (1 + i ) P = S / (1 + i)

DESCONTO SIMPLES D=Sd n P=S-D

TOTAL  t1 + tn 
Dt = S × N × d ×   Pt = ( S × N ) − Dt
 2 

q
TAXA EQUIVALENTE t
i q = [ (1 + i t ) - 1 ] x 100

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SÉRIES DE PAGAMENTOS IGUAIS:

 (1 + i ) n − 1  i   (1 + i ) n − 1  (1 + i ) n × i 
FAC =   FFC =   FVA =   FRC =  
 (1 + i ) − 1  (1 + i ) × i   (1 + i ) − 1
n n n
 i 

A) Com termos vencidos B) Com termos antecipados

 (1 + i ) n − 1  (1 + i ) n − 1
S = R x FAC
S = R x   S = R x (1+i) x FAC
= S = R x (1+i) x  
 i   i 

 i   1   1   i 
R = S x FFC
R = S x   R=S x   x FFC
Sx  x 
 (1 + i ) − 1  (1 + i )   (1 + i )   (1 + i ) − 1
n n

 (1 + i ) n − 1  (1 + i ) n − 1
P = R x FVA
P = R x   P = R x (1+i) x FVA
P = R x (1+i)x  
 (1 + i ) × i   (1 + i ) × i 
n n

 (1 + i ) n × i   1   1   (1 + i ) n × i 
R = P x FRC
R = P x   R=P x   x FRC
R = Px  x 
 (1 + i ) − 1  (1 + i )   (1 + i )   (1 + i ) − 1
n n

1
FUXOS DE CAIXA:
n FC j
VPL = ∑ (1 + i )
j =1
j
− FC0

TABELA PRICE:

TAB PRICE – PRESTAÇÃO R = P 0 x FRC ( i , n ) SALDO DEV (t ) P t = R x FVA ( i , n − t )

SALDO DEVEDOR (T-1) JUROS (t)

P ( t −1) = R x FVA ( i , n −t +1) J t = i x P ( t −1)

t −1
1ª AMORT A1 = R – i x P 0 AMORT (t) A t = A 1 (1 + i)

AMORT. ACUMULADA (1ª até t) ∑A

h =1
h = R [ FVA ( i , n ) – FVA ( i , n − t ) ]

t +k
AMORT. ACUMULADA (entre t e t+k)
∑A
h = t +1
h = R [ FVA ( i , n − t ) – FVA ( i , n − t − k ) ]

t
JUROS ACUMULADOS (1ª até t) ∑J
h =1
h = R [ t – FVA ( i , n ) + FVA ( i , n − t ) ]

t +k
JUROS ACUMULADOS (entre t e t+k) ∑J
h = t +1
h = R [ k – FVA ( i , n − t ) + FVA ( i , n − t − k ) ]