Future Value

FV(taxa efectiva; n perodos; pagamento; valor presen

1.1 =FV(4%/12;120;-100) ou seja 14,724.98

1.2 =FV(4%;10;-500;-5000;1) ou seja 13,644.40

1.3 =PV(6%;20;12000;50000) ou seja -153,229.29

1.4 =FV(4%/12;25*12;-100;-2000) 56,840.49

1.5 =PV(5%;10;;12000) -7,366.96

mento; valor presente; tipo)
Stand e escrit. 17,000
Seguro 3,500
Salrios 21,000
Outras despesas 8,000
Amortizaes 25% (investimento)
Taxa de Imposto 36.5% (s/ lucros)
Tx. Cresc. Custos 3%
Tx. cresc. preo 5%
Taxa val. Residual 30%
i 5%
Valor aquis. Aluguer Dias Receitas Valor residual
Opel Astra 14,000 50.0 320 16,000 4,200
Volkswagen Golf 15,000 55.0 320 17,600 4,500
Renault Clio 10,500 40.0 320 12,800 3,150
Citron ZX 13,500 50.0 320 16,000 4,050
Honda Civic 21,500 60.0 280 16,800 6,450
Mercedes 42,000 90.0 280 25,200 12,600
TOTAL 116,500 104,400 34,950

2010 2011 2012 2013

Investimento 116,500.00
Proveitos 104,400.00 109,620.00 115,101.00 155,806.05
Custos 78,625.00 80,110.00 81,639.55 83,214.99
Arrendamentos 17,000.00 17,510.00 18,035.30 18,576.36
Seguro 3,500.00 3,605.00 3,713.15 3,824.54
Amortizaes 29,125.00 29,125.00 29,125.00 29,125.00
Salrios 21,000.00 21,630.00 22,278.90 22,947.27
Outras despesas 8,000.00 8,240.00 8,487.20 8,741.82
Lucro Bruto 25,775.00 29,510.00 33,461.45 72,591.06
Impostos 9,407.88 10,771.15 12,213.43 26,495.74
Lucro Lquido 16,367.13 18,738.85 21,248.02 46,095.33
Cash-Flow - 71,007.88 47,863.85 50,373.02 75,220.33
45,492.13 Se considerado o investimento num momento Zero (Antes de 2010), teramos este Cash-flow
TIR 56.2%
VAL 85,245
3.1 ### anos
 MAPA DE AMORTIZAES - EXERCCIO 3.2

CAPITAL 15,000
TAXA DE JURO 4.00%
ANOS 4

ANO PERIODO CAP. INICIAL CAP. FINAL MONT. PAGO JUROS

2011 1 15,000 11,468 4,132 600

2012 2 11,468 7,794 4,132 459

2013 3 7,794 3,973 4,132 312

2014 4 3,973 0 4,132 159

AMORTIZAO Amortizao (Frmula)

3,532 -3,532

3,674 -3,674

3,821 -3,821

3,973 -3,973
 MAPA DE AMORTIZAES - EXERCCIO 3.3

CAPITAL 20,000
TAXA DE JURO 9.31%
ANOS 6

ANO PERIODO CAP. INICIAL CAP. FINAL MONT. PAGO JUROS AMORTIZAO

2011 1 20,000 17,362 4,500 1,862 2,638

2012 2 17,362 14,479 4,500 1,617 2,883

2013 3 14,479 11,328 4,500 1,348 3,152

2014 4 11,328 7,883 4,500 1,055 3,445

2015 5 7,883 4,117 4,500 734 3,766
2016 6 4,117 0 4,500 383 4,117
TOTAL 27,000 7,000 20,000
 CAPITAL 500,000.00
TAXA DE JURO 8.00%
ANOS 9.90

ANO PERIODO CAP. INICIAL CAP. FINAL MONT. PAGO JUROS AMORTIZAO

2010 1 500,000 465,000 75,000 40,000 35,000

2011 2 465,000 427,200 75,000 37,200 37,800

2012 3 427,200 386,376 75,000 34,176 40,824

2013 4 386,376 342,286 75,000 30,910 44,090

2014 5 342,286 294,669 75,000 27,383 47,617

2015 6 294,669 243,242 75,000 23,574 51,426

2016 7 243,242 187,702 75,000 19,459 55,541

2017 8 187,702 127,718 75,000 15,016 59,984

2018 9 127,718 62,935 75,000 10,217 64,783

2019 10 62,935 0 67,970 5,035 62,935

TOTAL 742,970 242,970 500,000