{"id":11067,"date":"2025-07-15T13:34:51","date_gmt":"2025-07-15T13:34:51","guid":{"rendered":"https:\/\/functiontranslator.com\/pgto\/"},"modified":"2021-02-25T17:26:51","modified_gmt":"2021-02-25T17:26:51","slug":"pmt","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/pt-pt\/pmt\/","title":{"rendered":"PGTO"},"content":{"rendered":"

A fun\u00e7\u00e3o PMT (PGTO em Portugu\u00eas), utilizada tanto no Microsoft Excel quanto no Google Planilhas, \u00e9 essencial para calcular o pagamento peri\u00f3dico necess\u00e1rio para cobrir um empr\u00e9stimo ou investimento que prev\u00ea amortiza\u00e7\u00f5es com base em uma taxa de juros fixa e pagamentos regulares.<\/p>\n

Entendendo a Sintaxe<\/h2>\n

A fun\u00e7\u00e3o PGTO \u00e9 estruturada da seguinte maneira:<\/p>\n

PGTO(taxa, nper, vp, [vf], [tipo])<\/code><\/pre>\n
    \n
  • taxa<\/strong>: a taxa de juros por per\u00edodo.<\/li>\n
  • nper<\/strong>: o n\u00famero total de per\u00edodos de pagamentos.<\/li>\n
  • vp<\/strong>: o valor presente ou principal do financiamento ou investimento.<\/li>\n
  • vf<\/strong> (opcional): o valor futuro desejado ap\u00f3s o \u00faltimo pagamento. Caso seja omitido, ser\u00e1 considerado como zero.<\/li>\n
  • tipo<\/strong> (opcional): especifica a ocasi\u00e3o dos pagamentos. Utilize 0 para pagamentos no final do per\u00edodo (padr\u00e3o) e 1 para o in\u00edcio do per\u00edodo.<\/li>\n<\/ul>\n
    Por exemplo, para calcular o pagamento mensal de um empr\u00e9stimo de R$100,000.00 com juros anuais de 5% durante 20 anos, voc\u00ea usaria:<\/p>\n
    =PGTO(5%\/12, 20*12, 100000)<\/code><\/pre>\n
    Aplica\u00e7\u00f5es Pr\u00e1ticas<\/h2>\n
    Exploraremos algumas aplica\u00e7\u00f5es pr\u00e1ticas da fun\u00e7\u00e3o PGTO.<\/p>\n
    Exemplo 1: C\u00e1lculo de Presta\u00e7\u00e3o de Empr\u00e9stimo<\/h2>\n
    Imagine que voc\u00ea comprou um ve\u00edculo financiado por R$50,000.00, com prazo de pagamento de 5 anos (60 meses) e uma taxa de juros de 1.75% ao m\u00eas. Para calcular o valor de cada presta\u00e7\u00e3o, utilizamos a fun\u00e7\u00e3o PGTO da seguinte forma:<\/p>\n
    =PGTO(1.75%\/1, 5*12, 50000)<\/code><\/pre>\n
    Essa f\u00f3rmula determinar\u00e1 o valor mensal a ser pago, assumindo que os pagamentos ocorrem no final de cada m\u00eas (tipo padr\u00e3o 0).<\/p>\n
    Exemplo 2: Amortiza\u00e7\u00e3o de Hipoteca com Pagamentos no In\u00edcio do Per\u00edodo<\/h2>\n
    Considere uma hipoteca de R$200,000.00 com taxa de juros de 5% ao ano e um prazo de 30 anos. Para entender o efeito de fazer pagamentos no in\u00edcio de cada per\u00edodo, ajustamos a f\u00f3rmula para incluir o par\u00e2metro ‘tipo’:<\/p>\n
    =PGTO(5%\/12, 30*12, 200000, 0, 1)<\/code><\/pre>\n
    Mudar o tipo para 1 significa que os pagamentos ser\u00e3o realizados no in\u00edcio de cada per\u00edodo, o que geralmente resulta em presta\u00e7\u00f5es mensais ligeiramente menores devido \u00e0 forma como os juros s\u00e3o calculados.<\/p>\n
    Esses exemplos demonstram como a fun\u00e7\u00e3o PGTO pode ser utilizada para gerenciar finan\u00e7as pessoais e empresariais, oferecendo um melhor entendimento sobre o impacto financeiro de empr\u00e9stimos e investimentos ao longo do tempo.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Devolve o pagamento peri\u00f3dico de uma anuidade<\/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-11067","post","type-post","status-publish","format-standard","hentry","category-financeira"],"acf":[],"yoast_head":"\nFun\u00e7\u00e3o PMT (PGTO) no Excel \u2013 como funciona, exemplos e sintaxe<\/title>\n<meta name=\"description\" content=\"Breve descri\u00e7\u00e3o da fun\u00e7\u00e3o PMT (PGTO) do Excel. 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