{"id":6744,"date":"2025-02-27T22:24:33","date_gmt":"2025-02-28T01:24:33","guid":{"rendered":"https:\/\/site.ocasteloforte.com\/?page_id=6744"},"modified":"2025-04-14T18:43:14","modified_gmt":"2025-04-14T21:43:14","slug":"simulador-de-aposentadoria","status":"publish","type":"page","link":"https:\/\/site.ocasteloforte.com\/en\/calculadora\/simulador-de-aposentadoria\/","title":{"rendered":"Simulador de Aposentadoria"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"6744\" class=\"elementor elementor-6744\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f768e0f e-flex e-con-boxed e-con e-parent\" data-id=\"f768e0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e5dd9da exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-jet-form-builder-form\" data-id=\"e5dd9da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-form-builder-form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link rel='stylesheet' id='wp-block-library-css' href='https:\/\/site.ocasteloforte.com\/wp-includes\/css\/dist\/block-library\/style.min.css' media='all' \/>\n<style id=\"jet-form-builder-15109-inline-css\"><\/style><form  class=\"jet-form-builder layout-column submit-type-reload\" action=\"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/pages\/6744\/?Tl4cHx=u8TIMHG0PB&#038;method=reload\" method=\"POST\" data-form-id=\"15109\" data-layout=\"column\" enctype=\"multipart\/form-data\" novalidate=\"null\" ssr_validation_method=\"rest\" data-trp-original-action=\"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/pages\/6744\/?Tl4cHx=u8TIMHG0PB&amp;method=reload\"><input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"8f7d076108\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/en\/wp-json\/wp\/v2\/pages\/6744\" \/>\r\n<input type=\"hidden\" name=\"_jfb_current_render_states[]\" value=\"DEFAULT.STATE\" data-jfb-sync \/><input type=\"hidden\" class=\"jet-form-builder__field hidden-field\" name=\"_jet_engine_booking_form_id\" data-field-name=\"_jet_engine_booking_form_id\" value=\"15109\">\n<input type=\"hidden\" class=\"jet-form-builder__field hidden-field\" name=\"_jet_engine_refer\" data-field-name=\"_jet_engine_refer\" value=\"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/pages\/6744\/\">\n<input type=\"hidden\" class=\"jet-form-builder__field hidden-field\" name=\"__queried_post_id\" data-field-name=\"__queried_post_id\" value=\"6744\">\n\n<div id=\"calculator\">\n    <h2>Simulador de Aposentadoria<\/h2>\n\n    <label for=\"monthly_income\">Quanto voc\u00ea ganha por m\u00eas?<\/label>\n    <div class=\"input-group\">\n        <span>R$<\/span>\n        <input type=\"text\" id=\"monthly_income\" placeholder=\"5.000,00\" oninput=\"formatInput(this)\" \/>\n    <\/div>\n\n    <label for=\"current_investment\">Quanto voc\u00ea j\u00e1 tem investido?<\/label>\n    <div class=\"input-group\">\n        <span>R$<\/span>\n        <input type=\"text\" id=\"current_investment\" placeholder=\"5.000,00\" oninput=\"formatInput(this)\" \/>\n    <\/div>\n\n    <label for=\"desired_retirement_fund\">Com quanto de patrim\u00f4nio voc\u00ea quer se aposentar?<\/label>\n    <div class=\"input-group\">\n        <span>R$<\/span>\n        <input type=\"text\" id=\"desired_retirement_fund\" placeholder=\"10.000,00\" oninput=\"formatInput(this)\" \/>\n    <\/div>\n\n    <label for=\"investment_percentage\">Quantos % da sua renda que voc\u00ea investe?<\/label>\n    <input type=\"number\" id=\"investment_percentage\" value=\"20\" step=\"1\" min=\"0\" max=\"100\">\n\n    <label for=\"current_age\">Qual sua idade atual?<\/label>\n    <input type=\"number\" id=\"current_age\" value=\"30\" step=\"1\" min=\"0\">\n\n    <label for=\"retirement_age\">Com que idade pretendo me aposentar?<\/label>\n    <input type=\"number\" id=\"retirement_age\" value=\"65\" step=\"1\" min=\"0\">\n\n    <label for=\"life_expectancy\">At\u00e9 que idade pretendo viver de renda?<\/label>\n    <input type=\"number\" id=\"life_expectancy\" value=\"80\" step=\"1\" min=\"0\">\n\n    <label for=\"annual_return\">Sua rentabilidade total anual projetada (%)<\/label>\n    <input type=\"number\" id=\"annual_return\" value=\"10\" step=\"0.1\" min=\"0\">\n\n    <label for=\"monthly_expenses_after_retirement\">Quanto voc\u00ea pretende gastar por m\u00eas aposentado?<\/label>\n    <div class=\"input-group\">\n        <span>R$<\/span>\n        <input type=\"text\" id=\"monthly_expenses_after_retirement\" placeholder=\"2.000,00\" oninput=\"formatInput(this)\" \/>\n    <\/div>\n<br>\n    <div class=\"button-container\">\n        <button type=\"button\" onclick=\"calculateRetirement()\">Calcular<\/button>\n        <button onclick=\"resetCalculator()\">Limpar<\/button>\n    <\/div>\n\n    <div id=\"result\"><\/div>\n<\/div>\n\n<script>\nfunction formatCurrency(value) {\n    return value.toLocaleString('pt-BR', { style: 'currency', currency: 'BRL' });\n}\n\nfunction formatInput(input) {\n    let value = input.value.replace(\/\\D\/g, '');\n    value = (value \/ 100).toFixed(2) + '';\n    value = value.replace('.', ',');\n    value = value.replace(\/(\\d)(?=(\\d{3})+(?!\\d))\/g, '$1.');\n    input.value = value;\n}\n\nfunction calculateRetirement() {\n    let monthlyIncome = parseFloat(document.getElementById('monthly_income').value.replace(\/\\D\/g, '') \/ 100);\n    let currentInvestment = parseFloat(document.getElementById('current_investment').value.replace(\/\\D\/g, '') \/ 100);\n    let desiredRetirementFund = parseFloat(document.getElementById('desired_retirement_fund').value.replace(\/\\D\/g, '') \/ 100);\n    let investmentPercentage = parseFloat(document.getElementById('investment_percentage').value) \/ 100;\n    let currentAge = parseInt(document.getElementById('current_age').value);\n    let retirementAge = parseInt(document.getElementById('retirement_age').value);\n    let lifeExpectancy = parseInt(document.getElementById('life_expectancy').value);\n    let annualReturn = parseFloat(document.getElementById('annual_return').value) \/ 100;\n    let monthlyExpensesAfterRetirement = parseFloat(document.getElementById('monthly_expenses_after_retirement').value.replace(\/\\D\/g, '') \/ 100);\n\n    let yearsToInvest = retirementAge - currentAge;\n    let yearsRetired = lifeExpectancy - retirementAge;\n    let monthlyInvestment = monthlyIncome * investmentPercentage;\n    let totalSavings = currentInvestment;\n\n    for (let i = 0; i < yearsToInvest; i++) {\n        totalSavings += totalSavings * annualReturn;\n        totalSavings += monthlyInvestment * 12;\n    }\n\n    let totalNeeded = monthlyExpensesAfterRetirement * 12 * yearsRetired;\n    let resultMessage = totalSavings >= totalNeeded ? 'Parab\u00e9ns! Voc\u00ea atingiu sua meta.' : 'Voc\u00ea ainda precisa poupar mais para sua meta.';\n\n    let resultHTML = `\n    <h3 style=\"color: #0C163E;\">\ud83d\udcca <strong>Resultado da Simula\u00e7\u00e3o<\/strong><\/h3>\n    <p style=\"color: green; font-weight: bold;\">\ud83c\udf89 ${resultMessage}<\/p>\n    <p><strong>\ud83d\udcb0 Patrim\u00f4nio estimado ao se aposentar:<\/strong> <span style=\"color: #2872FA;\">${formatCurrency(totalSavings)}<\/span><\/p>\n    <p><strong>\ud83d\udcc9 Valor necess\u00e1rio para viver at\u00e9 ${lifeExpectancy}:<\/strong> <span style=\"color: #FF6347;\">${formatCurrency(totalNeeded)}<\/span><\/p>\n    <p><strong>\ud83d\udcc6 Aporte mensal de:<\/strong> <span style=\"color: #009688;\">${formatCurrency(monthlyInvestment)}<\/span> por <strong>${yearsToInvest} anos<\/strong><\/p>\n`;\n\n    document.getElementById('result').innerHTML = resultHTML;\n\n\/\/ Tamb\u00e9m envia o conte\u00fado para o campo do JetEngine com name=\"simulador_info\"\nconst simuladorField = document.querySelector('[name=\"simulador_info\"]');\nif (simuladorField) {\n    \/\/ Remove as tags HTML para enviar s\u00f3 o texto limpo (ou mantenha se quiser o HTML mesmo)\n    const tempDiv = document.createElement('div');\n    tempDiv.innerHTML = resultHTML;\n    simuladorField.value = tempDiv.innerText.trim();\n}\n\n}\n\nfunction resetCalculator() {\n    document.getElementById('monthly_income').value = \"\";\n    document.getElementById('current_investment').value = \"\";\n    document.getElementById('desired_retirement_fund').value = \"\";\n    document.getElementById('investment_percentage').value = 20;\n    document.getElementById('current_age').value = 30;\n    document.getElementById('retirement_age').value = 65;\n    document.getElementById('life_expectancy').value = 80;\n    document.getElementById('annual_return').value = 10;\n    document.getElementById('monthly_expenses_after_retirement').value = \"\";\n    document.getElementById('result').innerHTML = '';\n}\n<\/script>\n\n<style>\n#calculator {\n    width: 1200px;\n    margin: 20px auto;\n    padding: 20px;\n    border: 1px solid #ccc;\n    border-radius: 10px;\n    background-color: #f9f9f9;\n}\n\n.input-group {\n    display: flex;\n    align-items: center;\n}\n\n.input-group span {\n    margin-right: 5px;\n    font-weight: bold;\n}\n\n.button-container {\n    display: flex;\n    justify-content: space-between;\n}\n\nbutton {\n    width: 48%;\n    padding: 10px;\n    background-color: #0C163E;\n    color: white;\n    border: none;\n    border-radius: 5px;\n    cursor: pointer;\n}\n\nbutton:hover {\n    background-color: #2872FA;\n}\n<\/style>\n\n\n\n\n<h5 class=\"wp-block-heading\">Preecha o campo caso queira enviar os resultados ao seu email:<\/h5>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div  data-value=\"[{&quot;id&quot;:5368,&quot;conditions&quot;:[{&quot;__visible&quot;:true,&quot;field&quot;:&quot;email&quot;,&quot;operator&quot;:&quot;equal&quot;,&quot;value&quot;:&quot;&quot;}],&quot;to_set&quot;:&quot;&quot;}]\" class=\"jet-form-builder-row field-type-text-field\" >\n<div class=\"jet-form-builder__label\">\r\n<div class=\"jet-form-builder__label-text\">Email<\/div><\/div><div class=\"jet-form-builder__field-wrap\">\n\t\t\t\t<input name=\"email\" id=\"email\" type=\"email\" data-field-name=\"email\" class=\"jet-form-builder__field text-field\" data-jfb-sync=\"null\" autocomplete=\"off_cLY9Hoqh\">\n\t\t\t\t\t<\/div>\n<\/div><\/div>\n<\/div>\n\n\n<div  class=\"jet-form-builder-row field-type-textarea-field\" >\n<div class=\"jet-form-builder__label\">\r\n<div class=\"jet-form-builder__label-text\">Informa\u00e7\u00f5es<\/div><\/div><div class=\"jet-form-builder__field-wrap\">\n\t\t<textarea class=\"jet-form-builder__field textarea-field\" name=\"simulador_info\" data-field-name=\"simulador_info\" id=\"simulador_info\" data-jfb-sync=\"null\"><\/textarea>\n\t<\/div>\n<\/div>\n\n<div  class=\"jet-form-builder-row field-type-submit-field\" >\n\t<div data-type=\"submit\" class=\"jet-form-builder__action-button-wrapper jet-form-builder__submit-wrap\">\n\t<button class=\"jet-form-builder__action-button jet-form-builder__submit submit-type-reload\" type=\"submit\">Enviar ao meu email<\/button>\n\t<\/div>\n\t\n<\/div>\n\n\n<input type=\"hidden\" class=\"jet-form-builder__field hidden-field\" name=\"post_title\" data-field-name=\"post_title\" data-jfb-sync=\"null\" value=\"Simulador de Aposentadoria\">\n\n\t<div class=\"jet-form-builder-messages-wrap\" data-form-id=\"15109\"><\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31abfb1 e-flex e-con-boxed e-con e-parent\" data-id=\"31abfb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76c95d6 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"76c95d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>Como usar a Calculadora de Aposentadoria<\/h5><p>A calculadora de aposentadoria ajuda a estimar o quanto \u00e9 necess\u00e1rio investir para alcan\u00e7ar a aposentadoria desejada, al\u00e9m de indicar o patrim\u00f4nio acumulado e o valor dispon\u00edvel para heran\u00e7a.<\/p><h5>Passo a passo:<\/h5><ol><li>Informe sua renda mensal, o valor j\u00e1 investido, o patrim\u00f4nio desejado para aposentadoria e o percentual de renda investido.<\/li><li>Preencha sua idade atual, a idade desejada para aposentadoria, a rentabilidade anual projetada e os gastos mensais estimados ap\u00f3s se aposentar.<\/li><li>Ap\u00f3s preencher os campos, clique em <strong>Calcular<\/strong>.<\/li><li>A calculadora apresentar\u00e1 os valores necess\u00e1rios de investimento, o patrim\u00f4nio projetado e a heran\u00e7a estimada.<\/li><\/ol><h5>Como funciona a aposentadoria?<\/h5><p>A aposentadoria \u00e9 um benef\u00edcio concedido aos trabalhadores, garantindo uma remunera\u00e7\u00e3o ap\u00f3s determinado per\u00edodo de contribui\u00e7\u00e3o ao INSS. Existem diferentes tipos de aposentadoria, variando conforme idade, tempo de contribui\u00e7\u00e3o e outras condi\u00e7\u00f5es espec\u00edficas.<\/p><p>A contribui\u00e7\u00e3o para o INSS ocorre automaticamente para trabalhadores com carteira assinada e, para aut\u00f4nomos, deve ser feita por meio de carn\u00ea de contribui\u00e7\u00e3o.<\/p><h5>Tipos de aposentadoria:<\/h5><h5>1. Aposentadoria por tempo de contribui\u00e7\u00e3o<\/h5><p>Antes da reforma da previd\u00eancia, era poss\u00edvel se aposentar com 35 anos de contribui\u00e7\u00e3o (homens) e 30 anos (mulheres). Ap\u00f3s a reforma, essa modalidade foi extinta para novos contribuintes.<\/p><h5>2. Aposentadoria por idade<\/h5><p>Antes da reforma:<\/p><ul><li>Homens: 65 anos<\/li><li>Mulheres: 60 anos<\/li><\/ul><p>Ap\u00f3s a reforma:<\/p><ul><li>Homens: 65 anos<\/li><li>Mulheres: 62 anos<\/li><\/ul><p>O c\u00e1lculo do benef\u00edcio tamb\u00e9m foi alterado, levando em conta uma m\u00e9dia de todos os sal\u00e1rios e um percentual progressivo conforme o tempo de contribui\u00e7\u00e3o.<\/p><h5>3. Aposentadoria especial<\/h5><p>Para trabalhadores expostos a agentes insalubres, como ru\u00eddo excessivo e produtos qu\u00edmicos. Ap\u00f3s a reforma, al\u00e9m do tempo m\u00ednimo de trabalho, passou a ser exigida uma idade m\u00ednima:<\/p><ul><li>Baixo risco: 60 anos<\/li><li>M\u00e9dio risco: 58 anos<\/li><li>Alto risco: 55 anos<\/li><\/ul><p>Para quem j\u00e1 atuava antes da reforma, existem regras de transi\u00e7\u00e3o que combinam tempo de contribui\u00e7\u00e3o e idade.<\/p><h5>4. Aposentadoria por invalidez<\/h5><p>Destinada a pessoas impossibilitadas permanentemente de trabalhar devido a doen\u00e7a ou acidente. O INSS realiza per\u00edcias para avaliar a condi\u00e7\u00e3o do segurado.<\/p><h5>5. Aposentadoria por tempo de contribui\u00e7\u00e3o com atividade especial<\/h5><p>Para trabalhadores que exerceram atividades insalubres por um per\u00edodo, mas n\u00e3o atingiram o tempo m\u00ednimo para aposentadoria especial. O tempo de trabalho nessas condi\u00e7\u00f5es pode contar como adicional na aposentadoria convencional.<\/p><h5>6. Aposentadoria por idade urbana<\/h5><p>Antes da reforma:<\/p><ul><li>Homens: 65 anos<\/li><li>Mulheres: 60 anos<\/li><li>180 meses de car\u00eancia<\/li><\/ul><p>Ap\u00f3s a reforma:<\/p><ul><li>Homens: 65 anos e 20 anos de contribui\u00e7\u00e3o<\/li><li>Mulheres: 62 anos e 15 anos de contribui\u00e7\u00e3o<\/li><\/ul><p>Para quem j\u00e1 contribu\u00eda antes da reforma, h\u00e1 regras de transi\u00e7\u00e3o.<\/p><h5>O que \u00e9 o fator previdenci\u00e1rio?<\/h5><p>O fator previdenci\u00e1rio \u00e9 um c\u00e1lculo que pode reduzir ou aumentar o valor da aposentadoria, levando em conta:<\/p><ul><li>Expectativa de sobrevida (quanto mais cedo a aposentadoria, menor o valor)<\/li><li>Idade no momento da aposentadoria<\/li><li>Tempo total de contribui\u00e7\u00e3o<\/li><\/ul><p>Com a reforma da previd\u00eancia, a maior parte das aposentadorias passou a considerar novos redutores em vez do fator previdenci\u00e1rio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Simulador de Aposentadoria Quanto voc\u00ea ganha por m\u00eas? R$ Quanto voc\u00ea j\u00e1 tem investido? R$ Com quanto de patrim\u00f4nio voc\u00ea quer se aposentar? R$ Quantos % da sua renda que voc\u00ea investe? Qual sua idade atual? Com que idade pretendo me aposentar? At\u00e9 que idade pretendo viver de renda? Sua rentabilidade total anual projetada (%) [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":6749,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6744","page","type-page","status-publish","hentry"],"blocksy_meta":{"has_hero_section":"disabled","styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"acf":[],"_links":{"self":[{"href":"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/pages\/6744","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/comments?post=6744"}],"version-history":[{"count":0,"href":"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/pages\/6744\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/pages\/6749"}],"wp:attachment":[{"href":"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/media?parent=6744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}