Calculadora de Investimento e Juros Compostos
Simule a evolução do seu patrimônio com a força dos juros compostos e aportes regulares.
Investment Inputs
Adjust principal, recurring deposits, and expected return. Annual contributions credited beginning-of-period.
Evolução Anual do Patrimônio
Detailed compounding trajectory over 20 years.
| Ano | Saldo Inicial | Aportes no Ano | Juros no Ano | Saldo Final |
|---|---|---|---|---|
| Year 1 | $10,000.00 | +$6,000.00 | +$1,056.94 | $17,056.94 |
| Year 2 | $17,056.94 | +$6,000.00 | +$1,621.50 | $24,678.44 |
| Year 3 | $24,678.44 | +$6,000.00 | +$2,231.22 | $32,909.66 |
| Year 4 | $32,909.66 | +$6,000.00 | +$2,889.72 | $41,799.38 |
| Year 5 | $41,799.38 | +$6,000.00 | +$3,600.89 | $51,400.27 |
| Year 6 | $51,400.27 | +$6,000.00 | +$4,368.96 | $61,769.23 |
| Year 7 | $61,769.23 | +$6,000.00 | +$5,198.48 | $72,967.72 |
| Year 8 | $72,967.72 | +$6,000.00 | +$6,094.36 | $85,062.08 |
| Year 9 | $85,062.08 | +$6,000.00 | +$7,061.91 | $98,123.99 |
| Year 10 | $98,123.99 | +$6,000.00 | +$8,106.86 | $1,12,230.85 |
| Year 11 | $1,12,230.85 | +$6,000.00 | +$9,235.41 | $1,27,466.26 |
| Year 12 | $1,27,466.26 | +$6,000.00 | +$10,454.24 | $1,43,920.50 |
| Year 13 | $1,43,920.50 | +$6,000.00 | +$11,770.58 | $1,61,691.09 |
| Year 14 | $1,61,691.09 | +$6,000.00 | +$13,192.23 | $1,80,883.32 |
| Year 15 | $1,80,883.32 | +$6,000.00 | +$14,727.61 | $2,01,610.93 |
| Year 16 | $2,01,610.93 | +$6,000.00 | +$16,385.82 | $2,23,996.74 |
| Year 17 | $2,23,996.74 | +$6,000.00 | +$18,176.68 | $2,48,173.43 |
| Year 18 | $2,48,173.43 | +$6,000.00 | +$20,110.82 | $2,74,284.24 |
| Year 19 | $2,74,284.24 | +$6,000.00 | +$22,199.68 | $3,02,483.93 |
| Year 20 | $3,02,483.93 | +$6,000.00 | +$24,455.66 | $3,32,939.58 |
A Magia dos Juros Compostos
Resumo: Os juros compostos geram rendimentos sobre os próprios rendimentos acumulados, transformando pequenos aportes regulares em grandes patrimônios no longo prazo.
Compound interest exponential growth occurs because your returns earn additional returns over successive compounding cycles. Combining initial principal with recurring monthly contributions accelerates portfolio compounding through dollar-cost averaging.
Major Asset Class Historical Real Returns & Doubling Periods (Rule of 72)
Historical 30-year annualized performance benchmarks across core wealth-building asset classes:
| Asset Class | Historical Nominal Return | Inflation-Adjusted Real Return | Doubling Time (Rule of 72) | Risk & Volatility Tier |
|---|---|---|---|---|
| S&P 500 Broad Index (Equities) | 9.8% – 10.5% | 6.8% – 7.5% | ~7.2 Years | Moderate-High; high long-term wealth compounding |
| Global Real Estate (REITs) | 8.0% – 9.2% | 5.0% – 6.2% | ~8.5 Years | Moderate; strong dividend yield & inflation hedge |
| 10-Year US Treasury Bonds | 4.2% – 5.0% | 1.5% – 2.2% | ~15.5 Years | Low; capital preservation & portfolio stabilization |
| High-Yield Cash / Money Market | 3.5% – 4.8% | 0.5% – 1.8% | ~18.0 Years | Very Low; FDIC insured emergency liquidity |
Fórmula de Juros Compostos com Aportes
Calcula o valor acumulado no futuro com precisão matemática.