{"id":11090,"date":"2025-07-15T13:34:51","date_gmt":"2025-07-15T13:34:51","guid":{"rendered":"https:\/\/functiontranslator.com\/taxa\/"},"modified":"2021-02-25T17:27:54","modified_gmt":"2021-02-25T17:27:54","slug":"rate","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/pt-pt\/rate\/","title":{"rendered":"TAXA"},"content":{"rendered":"

A fun\u00e7\u00e3o TAXA no Microsoft Excel e a fun\u00e7\u00e3o equivalente no Google Planilhas s\u00e3o utilizadas para calcular a taxa de juros por per\u00edodo de um investimento financeiro ou empr\u00e9stimo com pagamentos peri\u00f3dicos e constantes sob uma taxa de juros tamb\u00e9m constante. Esse recurso \u00e9 fundamental tanto para profissionais do setor financeiro quanto para indiv\u00edduos interessados em compreender os detalhes financeiros de seus investimentos ou empr\u00e9stimos.<\/p>\n

Sintaxe e Aplica\u00e7\u00f5es da Fun\u00e7\u00e3o<\/h2>\n

A sintaxe para a fun\u00e7\u00e3o TAXA \u00e9:<\/p>\n

TAXA(nper, pgto, pv, [vf], [tipo], [chute])<\/code><\/pre>\n
    \n
  • nper<\/strong>: n\u00famero total de per\u00edodos de pagamento do empr\u00e9stimo ou investimento.<\/li>\n
  • pgto<\/strong>: o valor fixo pago em cada per\u00edodo.<\/li>\n
  • pv<\/strong>: o valor presente, ou seja, o valor atual de uma s\u00e9rie de pagamentos futuros.<\/li>\n
  • vf<\/strong> (opcional): o valor futuro, que \u00e9 o saldo desejado ap\u00f3s o \u00faltimo pagamento. Se n\u00e3o for especificado, ser\u00e1 considerado como 0.<\/li>\n
  • tipo<\/strong> (opcional): determina se os pagamentos ocorrem no in\u00edcio (1) ou no fim (0) de cada per\u00edodo.<\/li>\n
  • chute<\/strong> (opcional): uma estimativa inicial para a taxa.<\/li>\n<\/ul>\n
    Um exemplo de uso:<\/p>\n
    =TAXA(12, -100, 1000)<\/code><\/pre>\n
    Neste exemplo, s\u00e3o 12 per\u00edodos de pagamento de R$100 cada, com um valor presente de R$1000. A fun\u00e7\u00e3o computar\u00e1 a taxa de juros por per\u00edodo.<\/p>\n
    Aplica\u00e7\u00f5es Pr\u00e1ticas<\/h2>\n
    Saber como utilizar a fun\u00e7\u00e3o TAXA oferece vis\u00f5es valiosas em v\u00e1rias situa\u00e7\u00f5es financeiras.<\/p>\n
    Exemplo 1: C\u00e1lculo de Taxa de Juros de um Empr\u00e9stimo<\/h2>\n
    Suponha um empr\u00e9stimo de R$10.000,00 que voc\u00ea deseja quitar em 3 anos com pagamentos mensais iguais. O valor total ap\u00f3s os 3 anos ser\u00e1 R$12.600,00. Como calcular a taxa de juros mensal?<\/p>\n
    =TAXA(36, -350, 10000)<\/code><\/pre>\n
    Na f\u00f3rmula acima, ’36’ \u00e9 o n\u00famero total de pagamentos (3 anos x 12 meses), ‘-350’ \u00e9 o valor do pagamento mensal (o sinal negativo indica sa\u00edda de caixa), e ‘10000’ \u00e9 o valor inicial do empr\u00e9stimo. A f\u00f3rmula retorna a taxa de juros mensal aplicada.<\/p>\n
    Exemplo 2: Planejamento de Poupan\u00e7a<\/h2>\n
    Considere o objetivo de poupar R$50.000,00 em 10 anos, com contribui\u00e7\u00f5es mensais. Qual a taxa de juros anual necess\u00e1ria para alcan\u00e7ar esse objetivo, assumindo que o valor futuro seja R$50.000 e n\u00e3o haja saldo inicial (pv = 0)?<\/p>\n
    =TAXA(120, -valor_mensal, 0, 50000)<\/code><\/pre>\n
    Nesta equa\u00e7\u00e3o, ‘120’ representa o total de contribui\u00e7\u00f5es mensais (10 anos x 12 meses), ‘valor_mensal’ \u00e9 o montante poupado mensalmente (negativo, indicando sa\u00edda de caixa), e ‘50000’ \u00e9 o valor futuro desejado. Ajuste o ‘valor_mensal’ para simular diferentes cen\u00e1rios e encontrar uma taxa de retorno realista.<\/p>\n
    A fun\u00e7\u00e3o TAXA \u00e9 uma ferramenta vital para analisar produtos financeiros que envolvem pagamentos peri\u00f3dicos, oferecendo insights cruciais sobre a taxa de retorno de per\u00edodos espec\u00edficos.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Devolve a taxa de juros por per\u00edodo 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-11090","post","type-post","status-publish","format-standard","hentry","category-financeira"],"acf":[],"yoast_head":"\nFun\u00e7\u00e3o RATE (TAXA) no Excel \u2013 como funciona, exemplos e sintaxe<\/title>\n<meta name=\"description\" content=\"Breve descri\u00e7\u00e3o da fun\u00e7\u00e3o RATE (TAXA) do Excel. 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