CalculadoraWeb

Calculadora de Juros Compostos

Descubra quanto seu dinheiro pode render com aportes mensais e o poder dos juros sobre juros.

R$
R$
%
anos

Montante final

R$ 125.869,35

Total investido

R$ 70.000,00

Total em juros

R$ 55.869,35

Tabela de evolução mês a mês (120 meses)
MêsInvestidoJurosMontante
1R$ 10.500,00R$ 79,74R$ 10.579,74
2R$ 11.000,00R$ 164,11R$ 11.164,11
3R$ 11.500,00R$ 253,13R$ 11.753,13
4R$ 12.000,00R$ 346,85R$ 12.346,85
5R$ 12.500,00R$ 445,31R$ 12.945,31
6R$ 13.000,00R$ 548,53R$ 13.548,53
7R$ 13.500,00R$ 656,57R$ 14.156,57
8R$ 14.000,00R$ 769,46R$ 14.769,46
9R$ 14.500,00R$ 887,23R$ 15.387,23
10R$ 15.000,00R$ 1.009,93R$ 16.009,93
11R$ 15.500,00R$ 1.137,60R$ 16.637,60
12R$ 16.000,00R$ 1.270,27R$ 17.270,27
13R$ 16.500,00R$ 1.407,98R$ 17.907,98
14R$ 17.000,00R$ 1.550,78R$ 18.550,78
15R$ 17.500,00R$ 1.698,71R$ 19.198,71
16R$ 18.000,00R$ 1.851,80R$ 19.851,80
17R$ 18.500,00R$ 2.010,11R$ 20.510,11
18R$ 19.000,00R$ 2.173,66R$ 21.173,66
19R$ 19.500,00R$ 2.342,50R$ 21.842,50
20R$ 20.000,00R$ 2.516,67R$ 22.516,67
21R$ 20.500,00R$ 2.696,22R$ 23.196,22
22R$ 21.000,00R$ 2.881,19R$ 23.881,19
23R$ 21.500,00R$ 3.071,63R$ 24.571,63
24R$ 22.000,00R$ 3.267,56R$ 25.267,56
25R$ 22.500,00R$ 3.469,05R$ 25.969,05
26R$ 23.000,00R$ 3.676,13R$ 26.676,13
27R$ 23.500,00R$ 3.888,85R$ 27.388,85
28R$ 24.000,00R$ 4.107,25R$ 28.107,25
29R$ 24.500,00R$ 4.331,38R$ 28.831,38
30R$ 25.000,00R$ 4.561,29R$ 29.561,29
31R$ 25.500,00R$ 4.797,02R$ 30.297,02
32R$ 26.000,00R$ 5.038,61R$ 31.038,61
33R$ 26.500,00R$ 5.286,11R$ 31.786,11
34R$ 27.000,00R$ 5.539,58R$ 32.539,58
35R$ 27.500,00R$ 5.799,06R$ 33.299,06
36R$ 28.000,00R$ 6.064,59R$ 34.064,59
37R$ 28.500,00R$ 6.336,22R$ 34.836,22
38R$ 29.000,00R$ 6.614,01R$ 35.614,01
39R$ 29.500,00R$ 6.898,00R$ 36.398,00
40R$ 30.000,00R$ 7.188,25R$ 37.188,25
41R$ 30.500,00R$ 7.484,79R$ 37.984,79
42R$ 31.000,00R$ 7.787,69R$ 38.787,69
43R$ 31.500,00R$ 8.096,99R$ 39.596,99
44R$ 32.000,00R$ 8.412,74R$ 40.412,74
45R$ 32.500,00R$ 8.734,99R$ 41.234,99
46R$ 33.000,00R$ 9.063,81R$ 42.063,81
47R$ 33.500,00R$ 9.399,23R$ 42.899,23
48R$ 34.000,00R$ 9.741,32R$ 43.741,32
49R$ 34.500,00R$ 10.090,11R$ 44.590,11
50R$ 35.000,00R$ 10.445,68R$ 45.445,68
51R$ 35.500,00R$ 10.808,07R$ 46.308,07
52R$ 36.000,00R$ 11.177,34R$ 47.177,34
53R$ 36.500,00R$ 11.553,54R$ 48.053,54
54R$ 37.000,00R$ 11.936,72R$ 48.936,72
55R$ 37.500,00R$ 12.326,95R$ 49.826,95
56R$ 38.000,00R$ 12.724,28R$ 50.724,28
57R$ 38.500,00R$ 13.128,76R$ 51.628,76
58R$ 39.000,00R$ 13.540,46R$ 52.540,46
59R$ 39.500,00R$ 13.959,42R$ 53.459,42
60R$ 40.000,00R$ 14.385,72R$ 54.385,72
61R$ 40.500,00R$ 14.819,39R$ 55.319,39
62R$ 41.000,00R$ 15.260,52R$ 56.260,52
63R$ 41.500,00R$ 15.709,15R$ 57.209,15
64R$ 42.000,00R$ 16.165,34R$ 58.165,34
65R$ 42.500,00R$ 16.629,16R$ 59.129,16
66R$ 43.000,00R$ 17.100,66R$ 60.100,66
67R$ 43.500,00R$ 17.579,92R$ 61.079,92
68R$ 44.000,00R$ 18.066,98R$ 62.066,98
69R$ 44.500,00R$ 18.561,91R$ 63.061,91
70R$ 45.000,00R$ 19.064,77R$ 64.064,77
71R$ 45.500,00R$ 19.575,63R$ 65.075,63
72R$ 46.000,00R$ 20.094,55R$ 66.094,55
73R$ 46.500,00R$ 20.621,60R$ 67.121,60
74R$ 47.000,00R$ 21.156,84R$ 68.156,84
75R$ 47.500,00R$ 21.700,33R$ 69.200,33
76R$ 48.000,00R$ 22.252,14R$ 70.252,14
77R$ 48.500,00R$ 22.812,35R$ 71.312,35
78R$ 49.000,00R$ 23.381,00R$ 72.381,00
79R$ 49.500,00R$ 23.958,18R$ 73.458,18
80R$ 50.000,00R$ 24.543,94R$ 74.543,94
81R$ 50.500,00R$ 25.138,37R$ 75.638,37
82R$ 51.000,00R$ 25.741,52R$ 76.741,52
83R$ 51.500,00R$ 26.353,46R$ 77.853,46
84R$ 52.000,00R$ 26.974,28R$ 78.974,28
85R$ 52.500,00R$ 27.604,03R$ 80.104,03
86R$ 53.000,00R$ 28.242,79R$ 81.242,79
87R$ 53.500,00R$ 28.890,63R$ 82.390,63
88R$ 54.000,00R$ 29.547,63R$ 83.547,63
89R$ 54.500,00R$ 30.213,85R$ 84.713,85
90R$ 55.000,00R$ 30.889,37R$ 85.889,37
91R$ 55.500,00R$ 31.574,26R$ 87.074,26
92R$ 56.000,00R$ 32.268,60R$ 88.268,60
93R$ 56.500,00R$ 32.972,47R$ 89.472,47
94R$ 57.000,00R$ 33.685,94R$ 90.685,94
95R$ 57.500,00R$ 34.409,08R$ 91.909,08
96R$ 58.000,00R$ 35.141,97R$ 93.141,97
97R$ 58.500,00R$ 35.884,70R$ 94.384,70
98R$ 59.000,00R$ 36.637,34R$ 95.637,34
99R$ 59.500,00R$ 37.399,96R$ 96.899,96
100R$ 60.000,00R$ 38.172,66R$ 98.172,66
101R$ 60.500,00R$ 38.955,50R$ 99.455,50
102R$ 61.000,00R$ 39.748,57R$ 100.748,57
103R$ 61.500,00R$ 40.551,96R$ 102.051,96
104R$ 62.000,00R$ 41.365,73R$ 103.365,73
105R$ 62.500,00R$ 42.189,99R$ 104.689,99
106R$ 63.000,00R$ 43.024,80R$ 106.024,80
107R$ 63.500,00R$ 43.870,26R$ 107.370,26
108R$ 64.000,00R$ 44.726,44R$ 108.726,44
109R$ 64.500,00R$ 45.593,44R$ 110.093,44
110R$ 65.000,00R$ 46.471,34R$ 111.471,34
111R$ 65.500,00R$ 47.360,23R$ 112.860,23
112R$ 66.000,00R$ 48.260,19R$ 114.260,19
113R$ 66.500,00R$ 49.171,32R$ 115.671,32
114R$ 67.000,00R$ 50.093,70R$ 117.093,70
115R$ 67.500,00R$ 51.027,42R$ 118.527,42
116R$ 68.000,00R$ 51.972,57R$ 119.972,57
117R$ 68.500,00R$ 52.929,25R$ 121.429,25
118R$ 69.000,00R$ 53.897,55R$ 122.897,55
119R$ 69.500,00R$ 54.877,55R$ 124.377,55
120R$ 70.000,00R$ 55.869,35R$ 125.869,35

Como funciona o cálculo de juros compostos

Nos juros compostos, a cada período os juros são incorporados ao saldo, e o período seguinte rende sobre esse novo valor. Com aportes mensais, cada depósito também passa a render a partir do mês seguinte.

Fórmula do montante

M = C·(1 + i)ⁿ + A·[(1 + i)ⁿ − 1] / i
  • M: montante final
  • C: capital inicial
  • A: aporte mensal
  • i: taxa mensal (decimal)
  • n: número de meses

Exemplo prático

Investindo R$ 10.000 iniciais e R$ 500 por mês a 10% ao ano durante 10 anos, você acumula cerca de R$ 126 mil — dos quais mais de R$ 56 mil são apenas juros.

Perguntas frequentes