{"id":11041,"date":"2025-07-15T13:34:51","date_gmt":"2025-07-15T13:34:51","guid":{"rendered":"https:\/\/functiontranslator.com\/nper\/"},"modified":"2021-02-25T17:25:39","modified_gmt":"2021-02-25T17:25:39","slug":"nper","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/pt-pt\/nper\/","title":{"rendered":"NPER"},"content":{"rendered":"

Introdu\u00e7\u00e3o<\/h2>\n

A fun\u00e7\u00e3o NPER \u00e9 extremamente \u00fatil no Excel e no Google Sheets para an\u00e1lise financeira. Ela \u00e9 utilizada para calcular o n\u00famero total de per\u00edodos de pagamento em um empr\u00e9stimo ou investimento, considerando pagamentos peri\u00f3dicos fixos e uma taxa de juros constante.<\/p>\n

Sintaxe e Exemplos<\/h2>\n

A sintaxe da fun\u00e7\u00e3o NPER \u00e9:<\/p>\n

NPER(taxa; pgto; vp; vf; tipo)<\/code><\/pre>\n
    \n
  • taxa<\/strong>: a taxa de juros por per\u00edodo.<\/li>\n
  • pgto<\/strong>: o valor do pagamento feito em cada per\u00edodo, geralmente constante ao longo do tempo.<\/li>\n
  • vp<\/strong>: o valor presente, ou seja, o valor total atual de uma s\u00e9rie de pagamentos futuros.<\/li>\n
  • vf<\/strong> (opcional): o valor futuro desejado ap\u00f3s o \u00faltimo pagamento. Se n\u00e3o especificado, ser\u00e1 considerado como zero.<\/li>\n
  • tipo<\/strong> (opcional): indica o momento dos pagamentos com 0 para pagamentos no fim do per\u00edodo e 1 para pagamentos no in\u00edcio do per\u00edodo.<\/li>\n<\/ul>\n
    Exemplo 1: Para calcular o n\u00famero de pagamentos mensais necess\u00e1rios para quitar um empr\u00e9stimo de R$20.000,00 com uma taxa de juros de 8% ao ano e pagamentos mensais de R$500,00, use:<\/p>\n
    =NPER(8%\/12, -500, 20000)<\/code><\/pre>\n
    Exemplo 2: Modificando o exemplo anterior para incluir um valor futuro de R$5.000,00 ap\u00f3s o \u00faltimo pagamento:<\/p>\n
    =NPER(8%\/12, -500, 20000, 5000)<\/code><\/pre>\n
    Aplica\u00e7\u00f5es Pr\u00e1ticas<\/h2>\n
    Cen\u00e1rio 1: Planejamento de Empr\u00e9stimo<\/h2>\n
    Suponha que voc\u00ea esteja planejando comprar uma casa que custa R$300.000,00 e tem R$100.000,00 para dar de entrada, necessitando financiar R$200.000,00. Com uma taxa de 7% ao ano e pagamentos mensais de R$1.500,00, a f\u00f3rmula para calcular a dura\u00e7\u00e3o do empr\u00e9stimo ser\u00e1:<\/p>\n
    =NPER(7%\/12, -1500, 200000)<\/code><\/pre>\n
    Este c\u00e1lculo mostrar\u00e1 o n\u00famero total de meses necess\u00e1rios para quitar o empr\u00e9stimo.<\/p>\n
    Cen\u00e1rio 2: Avalia\u00e7\u00e3o de Possibilidades de Investimento<\/h2>\n
    Se voc\u00ea deseja poupar R$100.000,00 para a educa\u00e7\u00e3o universit\u00e1ria do seu filho e pode poupar R$500,00 por m\u00eas com um investimento que rende 5% ao ano, o c\u00e1lculo do tempo necess\u00e1rio para atingir seu objetivo seria:<\/p>\n
    =NPER(5%\/12, -500, 0, 100000, 1)<\/code><\/pre>\n
    Este exemplo mostra quantos meses ser\u00e3o necess\u00e1rios para acumular o montante desejado sob essas condi\u00e7\u00f5es financeiras.<\/p>\n
    Esses exemplos ilustram a utilidade da fun\u00e7\u00e3o NPER na tomada de decis\u00f5es financeiras conscientes e embasadas.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Devolve o n\u00famero de per\u00edodos de um investimento<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[438],"tags":[],"class_list":["post-11041","post","type-post","status-publish","format-standard","hentry","category-financeira"],"acf":[],"yoast_head":"\nFun\u00e7\u00e3o NPER no Excel \u2013 como funciona, exemplos e sintaxe<\/title>\n<meta name=\"description\" content=\"Breve descri\u00e7\u00e3o da fun\u00e7\u00e3o NPER do Excel. 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