{"id":7131,"date":"2025-03-01T13:06:07","date_gmt":"2025-03-01T16:06:07","guid":{"rendered":"https:\/\/site.ocasteloforte.com\/?page_id=7131"},"modified":"2025-03-19T04:39:25","modified_gmt":"2025-03-19T07:39:25","slug":"simulador-de-juros-simples","status":"publish","type":"page","link":"https:\/\/site.ocasteloforte.com\/en\/calculadora\/simulador-de-juros-simples\/","title":{"rendered":"Simulador de Juros Simples"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"7131\" class=\"elementor elementor-7131\" 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-42a8a3e exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-html\" data-id=\"42a8a3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"simple-interest-calculator\">\r\n    <h4>Simulador de Juros Simples<\/h4>\r\n\r\n    <label for=\"initial_value\">Valor inicial<\/label>\r\n    <input type=\"text\" id=\"initial_value\" value=\"0,00\" oninput=\"formatInput(this)\" \/>\r\n\r\n    <label for=\"interest_rate\">Taxa de juros (%)<\/label>\r\n    <input type=\"number\" id=\"interest_rate\" value=\"6.25\" step=\"0.01\" min=\"0\">\r\n    <select id=\"interest_type\">\r\n        <option value=\"yearly\">Anual<\/option>\r\n        <option value=\"monthly\">Mensal<\/option>\r\n    <\/select>\r\n\r\n    <label for=\"period\">Per\u00edodo<\/label>\r\n    <input type=\"number\" id=\"period\" value=\"12\" step=\"1\" min=\"1\">\r\n    <select id=\"period_type\">\r\n        <option value=\"years\">Ano(s)<\/option>\r\n        <option value=\"months\">M\u00eas(es)<\/option>\r\n    <\/select>\r\n\r\n    <div class=\"button-container\">\r\n        <button onclick=\"calculateSimpleInterest()\">Calcular<\/button>\r\n        <button onclick=\"resetCalculator()\">Limpar<\/button>\r\n    <\/div>\r\n\r\n    <div id=\"result\"><\/div>\r\n    <div id=\"table-result\"><\/div>\r\n<\/div>\r\n\r\n<script>\r\nfunction formatInput(input) {\r\n    let value = input.value.replace(\/\\D\/g, '');\r\n    value = (value \/ 100).toFixed(2).replace('.', ',');\r\n    input.value = value;\r\n}\r\n\r\nfunction calculateSimpleInterest() {\r\n    let initialValue = parseFloat(document.getElementById('initial_value').value.replace(\/\\D\/g, '') \/ 100);\r\n    let interestRate = parseFloat(document.getElementById('interest_rate').value) \/ 100;\r\n    let period = parseInt(document.getElementById('period').value);\r\n    let periodType = document.getElementById('period_type').value;\r\n    let interestType = document.getElementById('interest_type').value;\r\n\r\n    \/\/ Se o tipo de per\u00edodo for \"anos\", converta para meses\r\n    if (periodType === 'years') {\r\n        period = period * 12;\r\n    }\r\n\r\n    \/\/ C\u00e1lculo do total de juros e do valor total (sem acumular os juros sobre o saldo)\r\n    let totalInterest = initialValue * interestRate * period;\r\n    let totalAmount = initialValue + totalInterest;\r\n\r\n    \/\/ Exibi\u00e7\u00e3o do resultado principal\r\n    document.getElementById('result').innerHTML = \r\n        `<h3>Resultado:<\/h3>\r\n        <p>Valor Final: R$ ${totalAmount.toFixed(2).replace('.', ',')}<\/p>\r\n        <p>Valor Investido: R$ ${initialValue.toFixed(2).replace('.', ',')}<\/p>\r\n        <p>Total em Juros: R$ ${totalInterest.toFixed(2).replace('.', ',')}<\/p>`;\r\n\r\n    \/\/ Cria\u00e7\u00e3o da tabela com o c\u00e1lculo m\u00eas a m\u00eas\r\n    let tableHTML = ` \r\n        <h3>Tabela de Juros Mensais<\/h3>\r\n        <table border=\"1\" cellpadding=\"5\">\r\n            <thead>\r\n                <tr>\r\n                    <th>M\u00eas<\/th>\r\n                    <th>Juros<\/th>\r\n                    <th>Total Investido<\/th>\r\n                    <th>Total Juros<\/th>\r\n                    <th>Total Acumulado<\/th>\r\n                <\/tr>\r\n            <\/thead>\r\n            <tbody>\r\n    `;\r\n\r\n    let monthlyInterest = initialValue * interestRate * (period \/ 12); \/\/ Manter o valor fixo para juros simples\r\n    let totalInterestAccumulated = 0;\r\n    let totalAmountAccumulated = initialValue;\r\n\r\n    for (let i = 1; i <= period; i++) {  \/\/ Start loop from 1, and go until 'period'\r\n        totalInterestAccumulated = initialValue * interestRate * (i \/ 12); \/\/ Incremento fixo de juros\r\n\r\n        totalAmountAccumulated = initialValue + totalInterestAccumulated;\r\n\r\n        tableHTML += `\r\n            <tr>\r\n                <td>${i}<\/td>\r\n                <td>R$ ${(initialValue * interestRate * (i \/ 12)).toFixed(2).replace('.', ',')}<\/td>\r\n                <td>R$ ${initialValue.toFixed(2).replace('.', ',')}<\/td>\r\n                <td>R$ ${totalInterestAccumulated.toFixed(2).replace('.', ',')}<\/td>\r\n                <td>R$ ${totalAmountAccumulated.toFixed(2).replace('.', ',')}<\/td>\r\n            <\/tr>\r\n        `;\r\n    }\r\n\r\n    tableHTML += \"<\/tbody><\/table>\";\r\n\r\n    document.getElementById('table-result').innerHTML = tableHTML;\r\n}\r\n\r\n\r\n\r\nfunction resetCalculator() {\r\n    document.getElementById('initial_value').value = \"0,00\";\r\n    document.getElementById('interest_rate').value = \"6.25\";\r\n    document.getElementById('period').value = \"12\";\r\n    document.getElementById('result').innerHTML = '';\r\n    document.getElementById('table-result').innerHTML = '';\r\n}\r\n<\/script>\r\n\r\n<style>\r\n#simple-interest-calculator {\r\n    width: 1200px;\r\n    margin: 20px auto;\r\n    padding: 20px;\r\n    border: 1px solid #ccc;\r\n    border-radius: 10px;\r\n    background-color: #f9f9f9;\r\n}\r\n\r\n#simple-interest-calculator h2 {\r\n    text-align: center;\r\n}\r\n\r\n#simple-interest-calculator label {\r\n    display: block;\r\n    margin: 10px 0 5px;\r\n}\r\n\r\n#simple-interest-calculator input, #simple-interest-calculator select {\r\n    width: 100%;\r\n    padding: 8px;\r\n    margin-bottom: 10px;\r\n    border: 1px solid #ccc;\r\n    border-radius: 4px;\r\n}\r\n\r\n.button-container {\r\n    display: flex;\r\n    justify-content: space-between;\r\n}\r\n\r\n#simple-interest-calculator button {\r\n    width: 48%;\r\n    padding: 10px;\r\n    background-color: #0C163E;\r\n    color: white;\r\n    border: none;\r\n    border-radius: 5px;\r\n    cursor: pointer;\r\n}\r\n\r\n#simple-interest-calculator button:hover {\r\n    background-color: #2872FA;\r\n}\r\n\r\n#simple-interest-calculator button:nth-child(2) {\r\n    background-color: #808080;\r\n    color: black;\r\n}\r\n\r\n#simple-interest-calculator button:nth-child(2):hover {\r\n    background-color: #ffffff;\r\n}\r\n\r\ntable {\r\n    width: 100%;\r\n    margin-top: 20px;\r\n    border-collapse: collapse;\r\n}\r\n\r\ntable, th, td {\r\n    border: 1px solid #ccc;\r\n}\r\n\r\nth, td {\r\n    padding: 8px;\r\n    text-align: center;\r\n}\r\n\r\nth {\r\n    background-color: #f2f2f2;\r\n}\r\n<\/style>\r\n\r\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-a1f52c3 e-flex e-con-boxed e-con e-parent\" data-id=\"a1f52c3\" 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-2c43f19 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"2c43f19\" 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 data-start=\"0\" data-end=\"48\"><strong data-start=\"0\" data-end=\"48\">Como utilizar a calculadora de juros simples<\/strong><\/h5><p data-start=\"50\" data-end=\"123\">A calculadora de juros simples \u00e9 de f\u00e1cil utiliza\u00e7\u00e3o. Siga o guia abaixo:<\/p><p data-start=\"125\" data-end=\"214\"><strong data-start=\"125\" data-end=\"137\">Passo 1: <\/strong>Primeiro, insira o valor inicial do investimento no campo \u201cvalor inicial\u201d.<\/p><p data-start=\"216\" data-end=\"297\"><strong data-start=\"216\" data-end=\"228\">Passo 2: <\/strong>No campo \u201ctaxa de juros\u201d, informe a taxa de juros mensal ou anual.<\/p><p data-start=\"299\" data-end=\"394\"><strong data-start=\"299\" data-end=\"311\">Passo 3: <\/strong>Informe a dura\u00e7\u00e3o da aplica\u00e7\u00e3o no campo \u201cper\u00edodo\u201d, podendo ser em anos ou meses.<\/p><p data-start=\"396\" data-end=\"491\"><strong data-start=\"396\" data-end=\"408\">Passo 4: <\/strong>Clique em &#8220;calcular&#8221; para obter o valor total final e o montante total de juros.<\/p><p data-start=\"493\" data-end=\"528\"><strong data-start=\"493\" data-end=\"528\">Como calcular os juros simples?<\/strong><\/p><p data-start=\"530\" data-end=\"709\">Os juros simples s\u00e3o calculados considerando apenas o valor inicial do investimento, sem considerar os juros gerados ao longo do tempo. A f\u00f3rmula para calcular os juros simples \u00e9:<\/p><p data-start=\"711\" data-end=\"728\"><strong data-start=\"711\" data-end=\"728\">J = C \u00b7 i \u00b7 T<\/strong><\/p><p data-start=\"730\" data-end=\"737\">Onde:<\/p><ul data-start=\"738\" data-end=\"964\"><li data-start=\"738\" data-end=\"808\"><strong data-start=\"740\" data-end=\"745\">C<\/strong> \u00e9 o capital inicial, ou seja, o valor base para os c\u00e1lculos.<\/li><li data-start=\"809\" data-end=\"872\"><strong data-start=\"811\" data-end=\"816\">i<\/strong> \u00e9 a taxa de juros, representada como uma porcentagem.<\/li><li data-start=\"873\" data-end=\"935\"><strong data-start=\"875\" data-end=\"880\">T<\/strong> \u00e9 o tempo de dura\u00e7\u00e3o da aplica\u00e7\u00e3o, em anos ou meses.<\/li><li data-start=\"936\" data-end=\"964\"><strong data-start=\"938\" data-end=\"943\">J<\/strong> \u00e9 o valor dos juros.<\/li><\/ul><p data-start=\"966\" data-end=\"1159\">Exemplo: Se voc\u00ea investir R$ 20.000,00 em um t\u00edtulo com 6,5% de juros anuais, ap\u00f3s 1 ano, voc\u00ea ter\u00e1 R$ 21.300,00. Se o investimento durar 15 anos com a mesma taxa, o total ser\u00e1 de R$ 39.500,00.<\/p><p data-start=\"1161\" data-end=\"1198\"><strong data-start=\"1161\" data-end=\"1198\">Onde os juros simples s\u00e3o usados?<\/strong><\/p><p data-start=\"1200\" data-end=\"1452\">Os juros simples s\u00e3o comumente utilizados em transa\u00e7\u00f5es financeiras cotidianas, como cart\u00f5es de cr\u00e9dito, financiamentos e certos tipos de empr\u00e9stimos. No entanto, investimentos geralmente utilizam juros compostos, que s\u00e3o mais vantajosos a longo prazo.<\/p><p data-start=\"1454\" data-end=\"1500\"><strong data-start=\"1454\" data-end=\"1500\">Diferen\u00e7as entre juros simples e compostos<\/strong><\/p><p data-start=\"1502\" data-end=\"1611\">Os juros simples e compostos s\u00e3o aplicados em empr\u00e9stimos e investimentos, mas com diferen\u00e7as significativas:<\/p><ul data-start=\"1613\" data-end=\"1785\"><li data-start=\"1613\" data-end=\"1673\"><strong data-start=\"1615\" data-end=\"1633\">Juros simples:<\/strong> Incidem apenas sobre o valor inicial.<\/li><li data-start=\"1674\" data-end=\"1785\"><strong data-start=\"1676\" data-end=\"1696\">Juros compostos:<\/strong> Incidem sobre o montante total, ou seja, sobre o valor inicial mais os juros acumulados.<\/li><\/ul><p data-start=\"1787\" data-end=\"1817\">Outras diferen\u00e7as importantes:<\/p><ul data-start=\"1818\" data-end=\"2188\"><li data-start=\"1818\" data-end=\"1927\"><strong data-start=\"1820\" data-end=\"1838\">Juros simples:<\/strong> O valor de juros permanece constante ao longo do tempo, mas seu poder de compra diminui.<\/li><li data-start=\"1928\" data-end=\"2055\"><strong data-start=\"1930\" data-end=\"1950\">Juros compostos:<\/strong> Crescem ao longo do tempo, tanto nominalmente quanto em termos reais, se a taxa for superior \u00e0 infla\u00e7\u00e3o.<\/li><li data-start=\"2056\" data-end=\"2102\"><strong data-start=\"2058\" data-end=\"2076\">Juros simples:<\/strong> S\u00e3o pagos periodicamente.<\/li><li data-start=\"2103\" data-end=\"2188\"><strong data-start=\"2105\" data-end=\"2125\">Juros compostos:<\/strong> S\u00e3o pagos no vencimento, acumulando sobre os juros anteriores.<\/li><\/ul><p data-start=\"2190\" data-end=\"2402\">Embora as diferen\u00e7as n\u00e3o sejam t\u00e3o grandes no curto prazo, com um exemplo de um investimento de R$ 10.000,00 a 1% ao m\u00eas por 12 meses, voc\u00ea teria R$ 11.200,00 com juros simples e R$ 11.268,25 com juros compostos.<\/p><p data-start=\"2404\" data-end=\"2456\"><strong data-start=\"2404\" data-end=\"2456\">No longo prazo, a diferen\u00e7a se torna expressiva:<\/strong><\/p><ul data-start=\"2457\" data-end=\"2711\"><li data-start=\"2457\" data-end=\"2541\"><strong data-start=\"2459\" data-end=\"2471\">10 anos:<\/strong><br \/><ul data-start=\"2474\" data-end=\"2541\"><li data-start=\"2474\" data-end=\"2505\">Juros simples: R$ 22.000,00<\/li><li data-start=\"2508\" data-end=\"2541\">Juros compostos: R$ 33.003,87<\/li><\/ul><\/li><li data-start=\"2542\" data-end=\"2627\"><strong data-start=\"2544\" data-end=\"2556\">20 anos:<\/strong><br \/><ul data-start=\"2559\" data-end=\"2627\"><li data-start=\"2559\" data-end=\"2590\">Juros simples: R$ 34.000,00<\/li><li data-start=\"2593\" data-end=\"2627\">Juros compostos: R$ 108.925,54<\/li><\/ul><\/li><li data-start=\"2628\" data-end=\"2711\"><strong data-start=\"2630\" data-end=\"2642\">30 anos:<\/strong><br \/><ul data-start=\"2645\" data-end=\"2711\"><li data-start=\"2645\" data-end=\"2676\">Juros simples: R$ 46.000,00<\/li><li data-start=\"2679\" data-end=\"2711\">Juros compostos: R$ 359.496,41<\/li><\/ul><\/li><\/ul><p data-start=\"2713\" data-end=\"2832\" data-is-last-node=\"\" data-is-only-node=\"\">Portanto, os juros compostos t\u00eam um impacto muito maior no longo prazo, criando o efeito conhecido como &#8220;bola de neve&#8221;.<\/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 Juros Simples Valor inicial Taxa de juros (%) AnualMensal Per\u00edodo Ano(s)M\u00eas(es) Calcular Limpar Como utilizar a calculadora de juros simples A calculadora de juros simples \u00e9 de f\u00e1cil utiliza\u00e7\u00e3o. Siga o guia abaixo: Passo 1: Primeiro, insira o valor inicial do investimento no campo \u201cvalor inicial\u201d. Passo 2: No campo \u201ctaxa de juros\u201d, [&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-7131","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\/7131","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=7131"}],"version-history":[{"count":0,"href":"https:\/\/site.ocasteloforte.com\/en\/wp-json\/wp\/v2\/pages\/7131\/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=7131"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}