Tabelas do Fator de Valor Atual (FVA)

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	0,05%	0,10%	0,15%	0,20%	0,25%	0,30%	0,35%	0,40%	0,45%	0,50%
1	0,99950	0,99900	0,99850	0,99800	0,99751	0,99701	0,99651	0,99950	0,99552	0,99502
2	1,99850	1,99700	1,99551	1,99402	1,99252	1,99104	1,98955	1,99850	1,98658	1,98510
3	2,99700	2,99401	2,99102	2,98804	2,98506	2,98209	2,97912	2,99700	2,97320	2,97025
4	3,99500	3,99002	3,98504	3,98008	3,97512	3,97018	3,96524	3,99500	3,95540	3,95050
5	4,99251	4,98503	4,97758	4,97014	4,96272	4,95531	4,94793	4,99251	4,93320	4,92587
6	5,98951	5,97906	5,96863	5,95822	5,94785	5,93750	5,92718	5,98951	5,90662	5,89638
7	6,98602	6,97208	6,95819	6,94433	6,93052	6,91675	6,90302	6,98602	6,87568	6,86207
8	7,98203	7,96412	7,94627	7,92848	7,91074	7,89307	7,87546	7,98203	7,84040	7,82296
9	8,97754	8,95516	8,93287	8,91066	8,88852	8,86647	8,84450	8,97754	8,80080	8,77906
10	9,97255	9,94522	9,91799	9,89087	9,86386	9,83696	9,81016	9,97255	9,75689	9,73041
11	10,96707	10,93429	10,90164	10,86914	10,83677	10,80455	10,77246	10,96707	10,70870	10,67703
12	11,96109	11,92236	11,88381	11,84545	11,80725	11,76924	11,73140	11,96109	11,65625	11,61893
13	12,95461	12,90945	12,86452	12,81981	12,77532	12,73105	12,68700	12,95461	12,59955	12,55615
14	13,94764	13,89556	13,84375	13,79222	13,74096	13,68998	13,63926	13,94764	13,53863	13,48871
15	14,94017	14,88068	14,82152	14,76270	14,70420	14,64604	14,58820	14,94017	14,47350	14,41662
16	15,93220	15,86481	15,79782	15,73123	15,66504	15,59924	15,53383	15,93220	15,40418	15,33993
17	16,92374	16,84796	16,77266	16,69784	16,62348	16,54959	16,47617	16,92374	16,33069	16,25863
18	17,91478	17,83013	17,74604	17,66251	17,57953	17,49710	17,41521	17,91478	17,25305	17,17277
19	18,90533	18,81132	18,71797	18,62526	18,53320	18,44178	18,35098	18,90533	18,17128	18,08236
20	19,89538	19,79153	19,68844	19,58609	19,48449	19,38362	19,28349	19,89538	19,08540	18,98742
21	20,88494	20,77076	20,65745	20,54500	20,43340	20,32266	20,21275	20,88494	19,99542	19,88798
22	21,87400	21,74901	21,62501	21,50200	21,37995	21,25888	21,13876	21,87400	20,90136	20,78406
23	22,86257	22,72629	22,59112	22,45708	22,32414	22,19230	22,06155	22,86257	21,80325	21,67568
24	23,85065	23,70258	23,55579	23,41026	23,26598	23,12293	22,98111	23,85065	22,70109	22,56287
25	24,83823	24,67790	24,51901	24,36154	24,20547	24,05078	23,89747	24,83823	23,59491	23,44564
26	25,82532	25,65225	25,48079	25,31092	25,14261	24,97585	24,81063	25,82532	24,48473	24,32402
27	26,81191	26,62563	26,44113	26,25840	26,07742	25,89816	25,72061	26,81191	25,37056	25,19803
28	27,79801	27,59803	27,40003	27,20399	27,00989	26,81771	26,62742	27,79801	26,25243	26,06769
29	28,78362	28,56946	28,35749	28,14770	27,94004	27,73450	27,53106	28,78362	27,13034	26,93302
30	29,76873	29,53992	29,31352	29,08952	28,86787	28,64856	28,43155	29,76873	28,00432	27,79405
31	30,75336	30,50941	30,26812	30,02946	29,79339	29,55988	29,32890	30,75336	28,87439	28,65080
32	31,73749	31,47793	31,22129	30,96752	30,71660	30,46847	30,22311	31,73749	29,74056	29,50328
33	32,72113	32,44549	32,17303	31,90372	31,63750	31,37435	31,11421	32,72113	30,60284	30,35153
34	33,70428	33,41207	33,12334	32,83804	32,55611	32,27752	32,00221	33,70428	31,46127	31,19555
35	34,68693	34,37770	34,07224	33,77050	33,47243	33,17798	32,88710	34,68693	32,31585	32,03537
36	35,66910	35,34235	35,01971	34,70110	34,38647	34,07576	33,76891	35,66910	33,16660	32,87102
37	36,65077	36,30605	35,96576	35,62984	35,29822	34,97084	34,64764	36,65077	34,01353	33,70250
38	37,63196	37,26878	36,91039	36,55672	36,20770	35,86325	35,52331	37,63196	34,85668	34,52985
39	38,61265	38,23055	37,85361	37,48176	37,11491	36,75299	36,39593	38,61265	35,69605	35,35309
40	39,59285	39,19136	38,79542	38,40495	38,01986	37,64007	37,26550	39,59285	36,53165	36,17223
41	40,57257	40,15121	39,73582	39,32630	38,92256	38,52450	38,13204	40,57257	37,36352	36,98729
42	41,55179	41,11010	40,67480	40,24581	39,82300	39,40628	38,99555	41,55179	38,19166	37,79830
43	42,53053	42,06803	41,61238	41,16348	40,72120	40,28543	39,85605	42,53053	39,01608	38,60527
44	43,50877	43,02500	42,54856	42,07932	41,61715	41,16194	40,71356	43,50877	39,83682	39,40823
45	44,48653	43,98102	43,48334	42,99333	42,51088	42,03583	41,56807	44,48653	40,65388	40,20720
46	45,46380	44,93609	44,41671	43,90552	43,40237	42,90711	42,41960	45,46380	41,46727	41,00219
47	46,44058	45,89020	45,34869	44,81589	44,29164	43,77578	43,26816	46,44058	42,27703	41,79322
48	47,41687	46,84335	46,27927	45,72444	45,17869	44,64186	44,11376	47,41687	43,08315	42,58032
49	48,39267	47,79556	47,20846	46,63118	46,06354	45,50534	44,95642	48,39267	43,88567	43,36350
50	49,36799	48,74681	48,13625	47,53611	46,94617	46,36624	45,79613	49,36799	44,68459	44,14279
51	50,34282	49,69711	49,06266	48,43923	47,82660	47,22457	46,63291	50,34282	45,47993	44,91820
52	51,31716	50,64647	49,98768	49,34055	48,70484	48,08033	47,46678	51,31716	46,27170	45,68975
53	52,29101	51,59487	50,91131	50,24007	49,58089	48,93353	48,29774	52,29101	47,05993	46,45746
54	53,26438	52,54233	51,83356	51,13779	50,45475	49,78418	49,12580	53,26438	47,84463	47,22135
55	54,23726	53,48884	52,75443	52,03372	51,32644	50,63228	49,95097	54,23726	48,62582	47,98145
56	55,20966	54,43441	53,67392	52,92787	52,19595	51,47784	50,77326	55,20966	49,40350	48,73776
57	56,18157	55,37903	54,59203	53,82023	53,06329	52,32088	51,59269	56,18157	50,17770	49,49031
58	57,15299	56,32270	55,50877	54,71081	53,92847	53,16140	52,40926	57,15299	50,94843	50,23911
59	58,12393	57,26544	56,42413	55,59961	54,79149	53,99940	53,22298	58,12393	51,71571	50,98419
60	59,09438	58,20723	57,33812	56,48663	55,65236	54,83490	54,03386	59,09438	52,47956	51,72556

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	0,50%	0,55%	0,60%	0,65%	0,70%	0,75%	0,80%	0,85%	0,90%	0,95%
1	0,99502	0,99453	0,99404	0,99354	0,99305	0,99256	0,99206	0,99157	0,99108	0,99059
2	1,98510	1,98362	1,98214	1,98067	1,97919	1,97772	1,97625	1,97479	1,97332	1,97186
3	2,97025	2,96730	2,96436	2,96142	2,95848	2,95556	2,95263	2,94971	2,94680	2,94389
4	3,95050	3,94560	3,94071	3,93584	3,93097	3,92611	3,92126	3,91642	3,91159	3,90678
5	4,92587	4,91855	4,91125	4,90396	4,89669	4,88944	4,88220	4,87499	4,86778	4,86060
6	5,89638	5,88617	5,87599	5,86583	5,85570	5,84560	5,83552	5,82547	5,81545	5,80545
7	6,86207	6,84851	6,83498	6,82149	6,80805	6,79464	6,78127	6,76794	6,75465	6,74140
8	7,82296	7,80558	7,78825	7,77098	7,75377	7,73661	7,71951	7,70247	7,68548	7,66855
9	8,77906	8,75741	8,73583	8,71434	8,69292	8,67158	8,65031	8,62912	8,60801	8,58698
10	9,73041	9,70404	9,67777	9,65160	9,62554	9,59958	9,57372	9,54797	9,52231	9,49676
11	10,67703	10,64549	10,61408	10,58281	10,55168	10,52067	10,48980	10,45906	10,42846	10,39798
12	11,61893	11,58179	11,54481	11,50801	11,47138	11,43491	11,39861	11,36248	11,32652	11,29072
13	12,55615	12,51297	12,46999	12,42723	12,38469	12,34235	12,30021	12,25829	12,21657	12,17505
14	13,48871	13,43905	13,38966	13,34052	13,29164	13,24302	13,19466	13,14654	13,09868	13,05107
15	14,41662	14,36007	14,30383	14,24791	14,19230	14,13699	14,08200	14,02731	13,97292	13,91884
16	15,33993	15,27605	15,21256	15,14944	15,08669	15,02431	14,96230	14,90065	14,83937	14,77844
17	16,25863	16,18702	16,11586	16,04515	15,97487	15,90502	15,83562	15,76664	15,69809	15,62996
18	17,17277	17,09301	17,01378	16,93507	16,85687	16,77918	16,70200	16,62532	16,54914	16,47346
19	18,08236	17,99405	17,90634	17,81924	17,73274	17,64683	17,56151	17,47677	17,39261	17,30902
20	18,98742	18,89015	18,79358	18,69771	18,60252	18,50802	18,41419	18,32104	18,22855	18,13673
21	19,88798	19,78135	19,67553	19,57050	19,46626	19,36280	19,26011	19,15820	19,05704	18,95664
22	20,78406	20,66768	20,55221	20,43765	20,32399	20,21121	20,09932	19,98830	19,87814	19,76883
23	21,67568	21,54916	21,42367	21,29921	21,17576	21,05331	20,93186	20,81140	20,69191	20,57339
24	22,56287	22,42582	22,28993	22,15520	22,02161	21,88915	21,75780	21,62756	21,49842	21,37037
25	23,44564	23,29768	23,15103	23,00566	22,86158	22,71876	22,57718	22,43685	22,29774	22,15985
26	24,32402	24,16477	24,00698	23,85063	23,69571	23,54219	23,39006	23,23932	23,08993	22,94190
27	25,19803	25,02713	24,85784	24,69015	24,52404	24,35949	24,19649	24,03502	23,87506	23,71659
28	26,06769	25,88476	25,70362	25,52424	25,34661	25,17071	24,99652	24,82402	24,65318	24,48400
29	26,93302	26,73770	26,54435	26,35295	26,16347	25,97589	25,79020	25,60636	25,42436	25,24418
30	27,79405	27,58598	27,38007	27,17630	26,97465	26,77508	26,57758	26,38211	26,18866	25,99720
31	28,65080	28,42962	28,21080	27,99434	27,78018	27,56832	27,35871	27,15133	26,94615	26,74314
32	29,50328	29,26864	29,03659	28,80709	28,58012	28,35565	28,13364	27,91406	27,69688	27,48206
33	30,35153	30,10307	29,85744	29,61460	29,37450	29,13712	28,90242	28,67036	28,44091	28,21403
34	31,19555	30,93294	30,67340	30,41689	30,16336	29,91278	29,66510	29,42029	29,17830	28,93911
35	32,03537	31,75827	31,48449	31,21400	30,94673	30,68266	30,42172	30,16389	29,90912	29,65736
36	32,87102	32,57908	32,29075	32,00596	31,72466	31,44681	31,17235	30,90123	30,63342	30,36886
37	33,70250	33,39541	33,09220	32,79280	32,49718	32,20527	31,91701	31,63236	31,35126	31,07366
38	34,52985	34,20727	33,88886	33,57457	33,26433	32,95808	32,65576	32,35732	32,06269	31,77183
39	35,35309	35,01469	34,68078	34,35129	34,02615	33,70529	33,38865	33,07617	32,76778	32,46342
40	36,17223	35,81769	35,46797	35,12299	34,78267	34,44694	34,11573	33,78897	33,46659	33,14851
41	36,98729	36,61630	36,25047	35,88970	35,53393	35,18307	34,83703	34,49575	34,15915	33,82716
42	37,79830	37,41054	37,02830	36,65147	36,27997	35,91371	35,55261	35,19658	34,84554	34,49941
43	38,60527	38,20044	37,80149	37,40831	37,02082	36,63892	36,26251	35,89151	35,52581	35,16534
44	39,40823	38,98602	38,57007	38,16027	37,75653	37,35873	36,96678	36,58057	36,20001	35,82500
45	40,20720	39,76730	39,33406	38,90738	38,48712	38,07318	37,66545	37,26383	36,86820	36,47846
46	41,00219	40,54430	40,09350	39,64965	39,21263	38,78231	38,35859	37,94133	37,53042	37,12576
47	41,79322	41,31706	40,84841	40,38714	39,93310	39,48617	39,04622	38,61311	38,18674	37,76698
48	42,58032	42,08559	41,59882	41,11986	40,64856	40,18478	39,72839	39,27924	38,83721	38,40216
49	43,36350	42,84992	42,34475	41,84785	41,35905	40,87820	40,40515	39,93975	39,48187	39,03136
50	44,14279	43,61006	43,08623	42,57113	42,06459	41,56645	41,07653	40,59470	40,12078	39,65464
51	44,91820	44,36605	43,82329	43,28975	42,76524	42,24958	41,74259	41,24412	40,75400	40,27205
52	45,68975	45,11790	44,55596	44,00373	43,46101	42,92762	42,40337	41,88807	41,38156	40,88366
53	46,45746	45,86564	45,28425	44,71309	44,15195	43,60061	43,05890	42,52660	42,00353	41,48951
54	47,22135	46,60929	46,00820	45,41787	44,83808	44,26860	43,70922	43,15974	42,61995	42,08966
55	47,98145	47,34887	46,72784	46,11811	45,51944	44,93161	44,35439	43,78755	43,23087	42,68416
56	48,73776	48,08440	47,44318	46,81382	46,19607	45,58969	44,99443	44,41006	43,83635	43,27306
57	49,49031	48,81592	48,15425	47,50503	46,86799	46,24287	45,62940	45,02733	44,43642	43,85643
58	50,23911	49,54343	48,86109	48,19179	47,53525	46,89118	46,25932	45,63939	45,03114	44,43430
59	50,98419	50,26696	49,56370	48,87411	48,19786	47,53467	46,88425	46,24630	45,62055	45,00674
60	51,72556	50,98653	50,26213	49,55202	48,85587	48,17337	47,50421	46,84809	46,20471	45,57379

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	1,00%	1,05%	1,10%	1,15%	1,20%	1,25%	1,30%	1,35%	1,40%	1,45%
1	0,99010	0,98961	0,98912	0,98863	0,98814	0,98765	0,98717	0,98668	0,99108	0,99059
2	1,97040	1,96894	1,96748	1,96602	1,96457	1,96312	1,96167	1,96022	1,97332	1,97186
3	2,94099	2,93809	2,93519	2,93230	2,92941	2,92653	2,92366	2,92079	2,94680	2,94389
4	3,90197	3,89717	3,89237	3,88759	3,88282	3,87806	3,87330	3,86856	3,91159	3,90678
5	4,85343	4,84628	4,83914	4,83202	4,82492	4,81784	4,81076	4,80371	4,86778	4,86060
6	5,79548	5,78553	5,77561	5,76572	5,75585	5,74601	5,73619	5,72640	5,81545	5,80545
7	6,72819	6,71502	6,70189	6,68880	6,67574	6,66273	6,64975	6,63681	6,75465	6,74140
8	7,65168	7,63486	7,61809	7,60138	7,58473	7,56812	7,55158	7,53508	7,68548	7,66855
9	8,56602	8,54513	8,52432	8,50359	8,48293	8,46234	8,44183	8,42139	8,60801	8,58698
10	9,47130	9,44595	9,42070	9,39554	9,37048	9,34553	9,32066	9,29590	9,52231	9,49676
11	10,36763	10,33741	10,30732	10,27735	10,24751	10,21780	10,18822	10,15876	10,42846	10,39798
12	11,25508	11,21960	11,18429	11,14914	11,11414	11,07931	11,04464	11,01012	11,32652	11,29072
13	12,13374	12,09263	12,05172	12,01101	11,97050	11,93018	11,89007	11,85014	12,21657	12,17505
14	13,00370	12,95659	12,90971	12,86308	12,81670	12,77055	12,72465	12,67898	13,09868	13,05107
15	13,86505	13,81156	13,75837	13,70547	13,65286	13,60055	13,54852	13,49677	13,97292	13,91884
16	14,71787	14,65766	14,59780	14,53828	14,47911	14,42029	14,36181	14,30367	14,83937	14,77844
17	15,56225	15,49496	15,42809	15,36162	15,29557	15,22992	15,16467	15,09982	15,69809	15,62996
18	16,39827	16,32356	16,24934	16,17560	16,10234	16,02955	15,95723	15,88537	16,54914	16,47346
19	17,22601	17,14356	17,06167	16,98033	16,89955	16,81931	16,73961	16,66045	17,39261	17,30902
20	18,04555	17,95503	17,86515	17,77591	17,68730	17,59932	17,51196	17,42521	18,22855	18,13673
21	18,85698	18,75807	18,65989	18,56244	18,46571	18,36969	18,27439	18,17979	19,05704	18,95664
22	19,66038	19,55277	19,44598	19,34003	19,23489	19,13056	19,02704	18,92431	19,87814	19,76883
23	20,45582	20,33920	20,22353	20,10878	19,99495	19,88204	19,77003	19,65891	20,69191	20,57339
24	21,24339	21,11747	20,99261	20,86879	20,74600	20,62423	20,50348	20,38373	21,49842	21,37037
25	22,02316	21,88765	21,75332	21,62015	21,48814	21,35727	21,22752	21,09890	22,29774	22,15985
26	22,79520	22,64983	22,50576	22,36298	22,22148	22,08125	21,94228	21,80454	23,08993	22,94190
27	23,55961	23,40408	23,25001	23,09736	22,94613	22,79630	22,64785	22,50078	23,87506	23,71659
28	24,31644	24,15050	23,98616	23,82339	23,66218	23,50252	23,34438	23,18774	24,65318	24,48400
29	25,06579	24,88917	24,71430	24,54117	24,36975	24,20002	24,03196	23,86556	25,42436	25,24418
30	25,80771	25,62016	25,43452	25,25078	25,06892	24,88891	24,71072	24,53434	26,18866	25,99720
31	26,54229	26,34355	26,14691	25,95233	25,75980	25,56929	25,38077	25,19422	26,94615	26,74314
32	27,26959	27,05942	26,85154	26,64590	26,44249	26,24127	26,04222	25,84531	27,69688	27,48206
33	27,98969	27,76786	27,54851	27,33159	27,11709	26,90496	26,69519	26,48773	28,44091	28,21403
34	28,70267	28,46894	28,23789	28,00948	27,78368	27,56046	27,33977	27,12158	29,17830	28,93911
35	29,40858	29,16273	28,91977	28,67967	28,44237	28,20786	27,97608	27,74700	29,90912	29,65736
36	30,10751	29,84931	29,59423	29,34223	29,09326	28,84727	28,60422	28,36408	30,63342	30,36886
37	30,79951	30,52876	30,26136	29,99726	29,73642	29,47878	29,22431	28,97295	31,35126	31,07366
38	31,48466	31,20115	30,92123	30,64485	30,37196	30,10250	29,83643	29,57370	32,06269	31,77183
39	32,16303	31,86655	31,57391	31,28507	30,99996	30,71852	30,44071	30,16646	32,76778	32,46342
40	32,83469	32,52504	32,21950	31,91801	31,62051	31,32693	31,03722	30,75131	33,46659	33,14851
41	33,49969	33,17668	32,85806	32,54376	32,23371	31,92784	31,62608	31,32838	34,15915	33,82716
42	34,15811	33,82155	33,48967	33,16239	32,83963	32,52132	32,20739	31,89776	34,84554	34,49941
43	34,81001	34,45973	34,11442	33,77399	33,43837	33,10748	32,78123	32,45956	35,52581	35,16534
44	35,45545	35,09127	34,73236	34,37863	34,03001	33,68640	33,34771	33,01387	36,20001	35,82500
45	36,09451	35,71625	35,34358	34,97641	34,61463	34,25817	33,90692	33,56080	36,86820	36,47846
46	36,72724	36,33473	35,94815	35,56738	35,19233	34,82288	34,45895	34,10044	37,53042	37,12576
47	37,35370	36,94679	36,54614	36,15164	35,76317	35,38062	35,00390	34,63290	38,18674	37,76698
48	37,97396	37,55249	37,13763	36,72925	36,32724	35,93148	35,54186	35,15826	38,83721	38,40216
49	38,58808	38,15190	37,72268	37,30030	36,88463	36,47554	36,07291	35,67663	39,48187	39,03136
50	39,19612	38,74507	38,30136	37,86485	37,43540	37,01288	36,59715	36,18809	40,12078	39,65464
51	39,79814	39,33209	38,87375	38,42299	37,97964	37,54358	37,11466	36,69274	40,75400	40,27205
52	40,39419	39,91300	39,43991	38,97478	38,51744	38,06773	37,62553	37,19066	41,38156	40,88366
53	40,98435	40,48788	39,99991	39,52029	39,04885	38,58542	38,12984	37,68196	42,00353	41,48951
54	41,56866	41,05678	40,55382	40,05961	39,57396	39,09671	38,62768	38,16671	42,61995	42,08966
55	42,14719	41,61977	41,10170	40,59279	40,09285	39,60169	39,11913	38,64500	43,23087	42,68416
56	42,71999	42,17692	41,64362	41,11991	40,60558	40,10043	39,60427	39,11692	43,83635	43,27306
57	43,28712	42,72827	42,17965	41,64104	41,11223	40,59302	40,08319	39,58256	44,43642	43,85643
58	43,84863	43,27389	42,70984	42,15624	41,61288	41,07952	40,55596	40,04199	45,03114	44,43430
59	44,40459	43,81385	43,23426	42,66559	42,10759	41,56002	41,02267	40,49530	45,62055	45,00674
60	44,95504	44,34819	43,75298	43,16914	42,59643	42,03459	41,48339	40,94258	46,20471	45,57379

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	1,50%	1,55%	1,60%	1,65%	1,70%	1,75%	1,80%	1,85%	1,90%	1,95%
1	0,98522	0,98474	0,98425	0,98377	0,98328	0,98280	0,98232	0,98184	0,98135	0,98087
2	1,95588	1,95444	1,95300	1,95157	1,95013	1,94870	1,94727	1,94584	1,94441	1,94298
3	2,91220	2,90935	2,90650	2,90366	2,90082	2,89798	2,89515	2,89233	2,88951	2,88669
4	3,85438	3,84968	3,84498	3,84029	3,83561	3,83094	3,82628	3,82163	3,81699	3,81235
5	4,78264	4,77566	4,76868	4,76172	4,75478	4,74786	4,74094	4,73405	4,72717	4,72031
6	5,69719	5,68750	5,67784	5,66820	5,65859	5,64900	5,63943	5,62990	5,62038	5,61089
7	6,59821	6,58542	6,57267	6,55996	6,54728	6,53464	6,52204	6,50947	6,49694	6,48445
8	7,48593	7,46965	7,45342	7,43724	7,42112	7,40505	7,38904	7,37307	7,35716	7,34129
9	8,36052	8,34037	8,32029	8,30029	8,28036	8,26049	8,24070	8,22098	8,20133	8,18175
10	9,22218	9,19780	9,17352	9,14933	9,12523	9,10122	9,07731	9,05349	9,02976	9,00613
11	10,07112	10,04215	10,01330	9,98458	9,95598	9,92749	9,89913	9,87088	9,84275	9,81474
12	10,90751	10,87361	10,83987	10,80628	10,77284	10,73955	10,70641	10,67342	10,64058	10,60789
13	11,73153	11,69238	11,65341	11,61464	11,57604	11,53764	11,49942	11,46139	11,42353	11,38586
14	12,54338	12,49865	12,45415	12,40987	12,36583	12,32201	12,27841	12,23504	12,19189	12,14896
15	13,34323	13,29261	13,24227	13,19220	13,14241	13,09288	13,04363	12,99464	12,94592	12,89746
16	14,13126	14,07446	14,01798	13,96183	13,90600	13,85050	13,79531	13,74044	13,68588	13,63164
17	14,90765	14,84437	14,78148	14,71897	14,65684	14,59508	14,53370	14,47269	14,41206	14,35178
18	15,67256	15,60253	15,53295	15,46381	15,39512	15,32686	15,25904	15,19165	15,12469	15,05815
19	16,42617	16,34912	16,27259	16,19657	16,12106	16,04606	15,97155	15,89754	15,82403	15,75100
20	17,16864	17,08431	17,00058	16,91743	16,83487	16,75288	16,67147	16,59062	16,51033	16,43061
21	17,90014	17,80829	17,71711	17,62659	17,53674	17,44755	17,35900	17,27110	17,18384	17,09721
22	18,62082	18,52121	18,42235	18,32424	18,22689	18,13027	18,03438	17,93923	17,84479	17,75107
23	19,33086	19,22325	19,11649	19,01057	18,90549	18,80125	18,69782	18,59522	18,49341	18,39241
24	20,03041	19,91457	19,79969	19,68576	19,57276	19,46069	19,34953	19,23929	19,12995	19,02149
25	20,71961	20,59534	20,47214	20,34998	20,22887	20,10878	19,98972	19,87166	19,75461	19,63854
26	21,39863	21,26572	21,13399	21,00342	20,87401	20,74573	20,61858	20,49255	20,36762	20,24379
27	22,06762	21,92587	21,78543	21,64626	21,50837	21,37173	21,23633	21,10216	20,96921	20,83746
28	22,72672	22,57595	22,42660	22,27866	22,13212	21,98695	21,84315	21,70070	21,55958	21,41977
29	23,37608	23,21610	23,05768	22,90080	22,74545	22,59160	22,43925	22,28836	22,13894	21,99095
30	24,01584	23,84648	23,67882	23,51284	23,34852	23,18585	23,02480	22,86535	22,70749	22,55120
31	24,64615	24,46723	24,29017	24,11494	23,94152	23,76988	23,60000	23,43186	23,26545	23,10074
32	25,26714	25,07852	24,89190	24,70727	24,52460	24,34386	24,16503	23,98809	23,81300	23,63976
33	25,87895	25,68047	25,48416	25,28999	25,09793	24,90797	24,72007	24,53420	24,35035	24,16848
34	26,48173	26,27323	26,06708	25,86324	25,66168	25,46238	25,26529	25,07040	24,87767	24,68708
35	27,07559	26,85695	26,64083	26,42719	26,21601	26,00725	25,80088	25,59686	25,39516	25,19576
36	27,66068	27,43176	27,20554	26,98199	26,76107	26,54275	26,32699	26,11375	25,90301	25,69471
37	28,23713	27,99779	27,76136	27,52778	27,29702	27,06904	26,84380	26,62126	26,40138	26,18412
38	28,80505	28,55519	28,30842	28,06472	27,82402	27,58628	27,35148	27,11955	26,89046	26,66417
39	29,36458	29,10407	28,84687	28,59293	28,34220	28,09463	27,85017	27,60879	27,37042	27,13504
40	29,91585	29,64458	29,37684	29,11257	28,85172	28,59423	28,34005	28,08914	27,84144	27,59690
41	30,45896	30,17684	29,89847	29,62378	29,35272	29,08524	28,82127	28,56076	28,30367	28,04993
42	30,99405	30,70098	30,41188	30,12669	29,84535	29,56780	29,29398	29,02382	28,75728	28,49429
43	31,52123	31,21711	30,91720	30,62144	30,32975	30,04207	29,75833	29,47847	29,20243	28,93015
44	32,04062	31,72537	31,41457	31,10815	30,80604	30,50817	30,21447	29,92486	29,63929	29,35767
45	32,55234	32,22587	31,90411	31,58697	31,27438	30,96626	30,66254	30,36314	30,06799	29,77702
46	33,05649	32,71873	32,38593	32,05801	31,73489	31,41647	31,10269	30,79346	30,48871	30,18835
47	33,55319	33,20406	32,86017	32,52141	32,18770	31,85894	31,53506	31,21597	30,90158	30,59181
48	34,04255	33,68199	33,32694	32,97728	32,63294	32,29380	31,95979	31,63080	31,30675	30,98755
49	34,52468	34,15263	33,78635	33,42576	33,07073	32,72118	32,37700	32,03809	31,70437	31,37573
50	34,99969	34,61608	34,23854	33,86695	33,50121	33,14121	32,78684	32,43799	32,09457	31,75647
51	35,46767	35,07246	34,68360	34,30099	33,92450	33,55401	33,18943	32,83062	32,47750	32,12994
52	35,92874	35,52187	35,12165	34,72798	34,34070	33,95972	33,58490	33,21613	32,85328	32,49626
53	36,38300	35,96442	35,55281	35,14803	34,74996	34,35845	33,97338	33,59463	33,22207	32,85558
54	36,83054	36,40022	35,97717	35,56127	35,15237	34,75032	34,35499	33,96625	33,58397	33,20802
55	37,27147	36,82936	36,39486	35,96780	35,54805	35,13545	34,72985	34,33112	33,93913	33,55373
56	37,70588	37,25195	36,80596	36,36774	35,93712	35,51395	35,09809	34,68937	34,28766	33,89282
57	38,13387	37,66810	37,21059	36,76118	36,31968	35,88595	35,45981	35,04111	34,62970	34,22542
58	38,55554	38,07789	37,60885	37,14823	36,69585	36,25155	35,81514	35,38646	34,96536	34,55166
59	38,97097	38,48143	38,00084	37,52900	37,06574	36,61086	36,16418	35,72554	35,29475	34,87166
60	39,38027	38,87881	38,38665	37,90359	37,42944	36,96399	36,50705	36,05846	35,61801	35,18555

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	2,00%	2,05%	2,10%	2,15%	2,20%	2,25%	2,30%	2,35%	2,40%	2,45%
1	0,98039	0,97991	0,97943	0,97895	0,97847	0,97800	0,97752	0,97704	0,97656	0,97609
2	1,94156	1,94014	1,93872	1,93730	1,93588	1,93447	1,93306	1,93165	1,93024	1,92883
3	2,88388	2,88108	2,87828	2,87548	2,87269	2,86990	2,86711	2,86433	2,86156	2,85879
4	3,80773	3,80311	3,79851	3,79391	3,78932	3,78474	3,78017	3,77561	3,77105	3,76651
5	4,71346	4,70663	4,69981	4,69301	4,68622	4,67945	4,67270	4,66596	4,65923	4,65252
6	5,60143	5,59199	5,58258	5,57319	5,56382	5,55448	5,54516	5,53586	5,52659	5,51735
7	6,47199	6,45957	6,44719	6,43484	6,42252	6,41025	6,39800	6,38580	6,37363	6,36149
8	7,32548	7,30972	7,29401	7,27835	7,26274	7,24718	7,23168	7,21622	7,20081	7,18545
9	8,16224	8,14279	8,12342	8,10411	8,08488	8,06571	8,04660	8,02757	8,00860	7,98970
10	8,98259	8,95913	8,93577	8,91249	8,88931	8,86622	8,84321	8,82029	8,79746	8,77472
11	9,78685	9,75907	9,73141	9,70386	9,67643	9,64911	9,62191	9,59481	9,56783	9,54097
12	10,57534	10,54294	10,51068	10,47857	10,44660	10,41478	10,38310	10,35155	10,32015	10,28889
13	11,34837	11,31106	11,27393	11,23698	11,20020	11,16360	11,12717	11,09092	11,05483	11,01892
14	12,10625	12,06376	12,02148	11,97942	11,93757	11,89594	11,85452	11,81330	11,77230	11,73150
15	12,84926	12,80133	12,75365	12,70624	12,65907	12,61217	12,56551	12,51910	12,47295	12,42704
16	13,57771	13,52409	13,47077	13,41775	13,36504	13,31263	13,26052	13,20870	13,15718	13,10594
17	14,29187	14,23232	14,17313	14,11430	14,05581	13,99768	13,93990	13,88246	13,82537	13,76861
18	14,99203	14,92633	14,86105	14,79618	14,73172	14,66766	14,60401	14,54075	14,47790	14,41544
19	15,67846	15,60640	15,53482	15,46371	15,39307	15,32290	15,25318	15,18393	15,11513	15,04679
20	16,35143	16,27281	16,19473	16,11719	16,04019	15,96371	15,88777	15,81234	15,73744	15,66304
21	17,01121	16,92583	16,84107	16,75692	16,67337	16,59043	16,50808	16,42632	16,34515	16,26456
22	17,65805	17,56573	17,47411	17,38318	17,29293	17,20335	17,11445	17,02621	16,93863	16,85170
23	18,29220	18,19278	18,09413	17,99626	17,89915	17,80279	17,70718	17,61232	17,51819	17,42479
24	18,91393	18,80723	18,70140	18,59643	18,49231	18,38904	18,28659	18,18497	18,08417	17,98418
25	19,52346	19,40934	19,29618	19,18398	19,07272	18,96238	18,85297	18,74448	18,63688	18,53019
26	20,12104	19,99935	19,87873	19,75916	19,64062	19,52311	19,40662	19,29113	19,17664	19,06314
27	20,70690	20,57751	20,44930	20,32223	20,19630	20,07150	19,94782	19,82524	19,70375	19,58335
28	21,28127	21,14406	21,00813	20,87345	20,74002	20,60783	20,47685	20,34708	20,21851	20,09112
29	21,84438	21,69923	21,55546	21,41307	21,27204	21,13235	20,99399	20,85695	20,72120	20,58674
30	22,39646	22,24324	22,09154	21,94133	21,79260	21,64533	21,49950	21,35510	21,21211	21,07051
31	22,93770	22,77633	22,61659	22,45847	22,30196	22,14702	21,99365	21,84182	21,69151	21,54272
32	23,46833	23,29870	23,13084	22,96473	22,80035	22,63767	22,47668	22,31736	22,15968	22,00363
33	23,98856	23,81059	23,63452	23,46033	23,28801	23,11753	22,94886	22,78198	22,61688	22,45352
34	24,49859	24,31219	24,12783	23,94551	23,76518	23,58683	23,41042	23,23594	23,06336	22,89265
35	24,99862	24,80371	24,61100	24,42047	24,23207	24,04580	23,86160	23,67947	23,49937	23,32128
36	25,48884	25,28536	25,08423	24,88543	24,68892	24,49467	24,30264	24,11282	23,92517	23,73965
37	25,96945	25,75733	25,54773	25,34061	25,13593	24,93366	24,73377	24,53622	24,34098	24,14803
38	26,44064	26,21983	26,00170	25,78620	25,57331	25,36299	25,15520	24,94990	24,74705	24,54663
39	26,90259	26,67303	26,44632	26,22242	26,00129	25,78288	25,56715	25,35408	25,14361	24,93571
40	27,35548	27,11713	26,88180	26,64946	26,42004	26,19352	25,96985	25,74898	25,53087	25,31548
41	27,79949	27,55231	27,30833	27,06751	26,82979	26,59513	26,36349	26,13481	25,90905	25,68617
42	28,23479	27,97874	27,72608	27,47676	27,23071	26,98790	26,74828	26,51178	26,27837	26,04799
43	28,66156	28,39661	28,13524	27,87739	27,62301	27,37203	27,12441	26,88010	26,63903	26,40116
44	29,07996	28,80609	28,53599	28,26960	28,00686	27,74771	27,49210	27,23996	26,99124	26,74589
45	29,49016	29,20734	28,92849	28,65354	28,38244	28,11512	27,85151	27,59156	27,33520	27,08237
46	29,89231	29,60053	29,31292	29,02941	28,74994	28,47444	28,20285	27,93508	27,67109	27,41081
47	30,28658	29,98582	29,68944	29,39737	29,10953	28,82586	28,54628	28,27072	27,99911	27,73139
48	30,67312	30,36337	30,05822	29,75758	29,46138	29,16955	28,88200	28,59865	28,31945	28,04430
49	31,05208	30,73334	30,41941	30,11021	29,80566	29,50567	29,21016	28,91906	28,63227	28,34973
50	31,42361	31,09587	30,77317	30,45542	30,14252	29,83440	29,53095	29,23210	28,93777	28,64786
51	31,78785	31,45112	31,11966	30,79336	30,47214	30,15589	29,84453	29,53796	29,23610	28,93886
52	32,14495	31,79924	31,45902	31,12419	30,79465	30,47031	30,15105	29,83679	29,52744	29,22290
53	32,49505	32,14036	31,79140	31,44806	31,11023	30,77781	30,45069	30,12877	29,81195	29,50015
54	32,83828	32,47463	32,11694	31,76511	31,41901	31,07854	30,74358	30,41404	30,08980	29,77076
55	33,17479	32,80219	32,43579	32,07549	31,72115	31,37265	31,02990	30,69276	30,36113	30,03491
56	33,50469	33,12316	32,74808	32,37933	32,01678	31,66030	31,30977	30,96508	30,62610	30,29273
57	33,82813	33,43769	33,05395	32,67678	32,30604	31,94161	31,58335	31,23115	30,88487	30,54440
58	34,14523	33,74590	33,35353	32,96797	32,58908	32,21673	31,85079	31,49111	31,13757	30,79004
59	34,45610	34,04791	33,64694	33,25303	32,86603	32,48580	32,11221	31,74510	31,38434	31,02981
60	34,76089	34,34387	33,93432	33,53209	33,13702	32,74895	32,36775	31,99325	31,62533	31,26385

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	2,50%	2,55%	2,60%	2,65%	2,70%	2,75%	2,80%	2,85%	2,90%	2,95%
1	0,97561	0,97513	0,97466	0,97418	0,97371	0,97324	0,97276	0,97229	0,97182	0,97135
2	1,92742	1,92602	1,92462	1,92322	1,92182	1,92042	1,91903	1,91764	1,91625	1,91486
3	2,85602	2,85326	2,85051	2,84775	2,84501	2,84226	2,83952	2,83679	2,83406	2,83133
4	3,76197	3,75745	3,75293	3,74842	3,74392	3,73943	3,73494	3,73047	3,72600	3,72155
5	4,64583	4,63915	4,63248	4,62584	4,61920	4,61258	4,60598	4,59939	4,59281	4,58625
6	5,50813	5,49893	5,48975	5,48060	5,47147	5,46237	5,45329	5,44423	5,43519	5,42618
7	6,34939	6,33732	6,32529	6,31330	6,30134	6,28941	6,27751	6,26566	6,25383	6,24204
8	7,17014	7,15488	7,13966	7,12450	7,10938	7,09431	7,07929	7,06432	7,04940	7,03452
9	7,97087	7,95210	7,93339	7,91476	7,89619	7,87768	7,85924	7,84086	7,82254	7,80430
10	8,75206	8,72949	8,70701	8,68461	8,66230	8,64008	8,61793	8,59588	8,57390	8,55201
11	9,51421	9,48756	9,46103	9,43460	9,40828	9,38207	9,35597	9,32997	9,30408	9,27830
12	10,25776	10,22678	10,19593	10,16522	10,13464	10,10420	10,07390	10,04373	10,01369	9,98378
13	10,98318	10,94761	10,91221	10,87698	10,84191	10,80701	10,77227	10,73770	10,70329	10,66904
14	11,69091	11,65053	11,61034	11,57036	11,53059	11,49101	11,45163	11,41245	11,37346	11,33467
15	12,38138	12,33596	12,29078	12,24585	12,20116	12,15670	12,11248	12,06849	12,02474	11,98122
16	13,05500	13,00435	12,95398	12,90390	12,85409	12,80457	12,75533	12,70636	12,65767	12,60925
17	13,71220	13,65612	13,60037	13,54496	13,48987	13,43511	13,38067	13,32656	13,27276	13,21928
18	14,35336	14,29168	14,23038	14,16946	14,10893	14,04877	13,98898	13,92956	13,87052	13,81183
19	14,97889	14,91144	14,84443	14,77785	14,71171	14,64600	14,58072	14,51586	14,45142	14,38740
20	15,58916	15,51579	15,44291	15,37053	15,29865	15,22725	15,15634	15,08591	15,01596	14,94648
21	16,18455	16,10511	16,02623	15,94791	15,87015	15,79295	15,71629	15,64017	15,56459	15,48954
22	16,76541	16,67977	16,59476	16,51039	16,42663	16,34350	16,26098	16,17906	16,09775	16,01704
23	17,33211	17,24015	17,14889	17,05834	16,96849	16,87932	16,79084	16,70303	16,61589	16,52942
24	17,88499	17,78659	17,68898	17,59215	17,49609	17,40080	17,30626	17,21247	17,11943	17,02712
25	18,42438	18,31944	18,21538	18,11218	18,00983	17,90832	17,80765	17,70780	17,60877	17,51056
26	18,95061	18,83905	18,72844	18,61878	18,51005	18,40226	18,29538	18,18940	18,08433	17,98015
27	19,46401	19,34573	19,22850	19,11230	18,99713	18,88297	18,76982	18,65766	18,54648	18,43628
28	19,96489	19,83982	19,71589	19,59309	19,47140	19,35083	19,23134	19,11294	18,99561	18,87933
29	20,45355	20,32162	20,19092	20,06146	19,93321	19,80616	19,68029	19,55561	19,43208	19,30970
30	20,93029	20,79143	20,65392	20,51774	20,38287	20,24930	20,11702	19,98600	19,85625	19,72773
31	21,39541	21,24957	21,10519	20,96224	20,82071	20,68059	20,54185	20,40448	20,26846	20,13378
32	21,84918	21,69631	21,54502	21,39526	21,24704	21,10033	20,95510	20,81135	20,66906	20,52820
33	22,29188	22,13195	21,97370	21,81711	21,66216	21,50883	21,35710	21,20696	21,05837	20,91132
34	22,72379	22,55675	22,39152	22,22807	22,06637	21,90641	21,74816	21,59159	21,43670	21,28346
35	23,14516	22,97099	22,79875	22,62841	22,45995	22,29334	22,12856	21,96558	21,80438	21,64493
36	23,55625	23,37493	23,19566	23,01843	22,84319	22,66992	22,49860	22,32919	22,16169	21,99605
37	23,95732	23,76883	23,58252	23,39837	23,21634	23,03642	22,85856	22,68274	22,50893	22,33710
38	24,34860	24,15293	23,95957	23,76850	23,57969	23,39311	23,20871	23,02648	22,84638	22,66839
39	24,73034	24,52748	24,32707	24,12908	23,93349	23,74025	23,54933	23,36070	23,17433	22,99018
40	25,10278	24,89271	24,68525	24,48035	24,27798	24,07810	23,88067	23,68566	23,49303	23,30274
41	25,46612	25,24887	25,03436	24,82256	24,61342	24,40691	24,20299	24,00161	23,80275	23,60636
42	25,82061	25,59616	25,37462	25,15592	24,94004	24,72692	24,51653	24,30881	24,10374	23,90127
43	26,16645	25,93483	25,70625	25,48069	25,25807	25,03837	24,82152	24,60750	24,39625	24,18773
44	26,50385	26,26507	26,02949	25,79706	25,56774	25,34148	25,11821	24,89791	24,68051	24,46598
45	26,83302	26,58709	26,34453	26,10527	25,86927	25,63647	25,40682	25,18027	24,95677	24,73626
46	27,15417	26,90112	26,65159	26,40553	26,16287	25,92357	25,68757	25,45481	25,22524	24,99880
47	27,46748	27,20733	26,95087	26,69803	26,44876	26,20299	25,96067	25,72174	25,48614	25,25381
48	27,77315	27,50593	27,24256	26,98298	26,72713	26,47493	26,22633	25,98127	25,73969	25,50152
49	28,07137	27,79710	27,52686	27,26057	26,99817	26,73959	26,48476	26,23361	25,98609	25,74213
50	28,36231	28,08104	27,80396	27,53100	27,26210	26,99717	26,73615	26,47896	26,22555	25,97584
51	28,64616	28,35791	28,07403	27,79445	27,51908	27,24785	26,98069	26,71752	26,45826	26,20285
52	28,92308	28,62790	28,33726	28,05110	27,76931	27,49183	27,21857	26,94946	26,68441	26,42336
53	29,19325	28,89117	28,59382	28,30112	28,01296	27,72927	27,44997	27,17497	26,90419	26,63756
54	29,45683	29,14790	28,84388	28,54468	28,25021	27,96036	27,67507	27,39423	27,11778	26,84561
55	29,71398	29,39825	29,08761	28,78196	28,48121	28,18527	27,89404	27,60742	27,32534	27,04770
56	29,96486	29,64237	29,32515	29,01311	28,70615	28,40415	28,10704	27,81470	27,52706	27,24401
57	30,20962	29,88042	29,55668	29,23830	28,92517	28,61718	28,31424	28,01624	27,72309	27,43468
58	30,44841	30,11255	29,78234	29,45767	29,13843	28,82451	28,51580	28,21219	27,91359	27,61990
59	30,68137	30,33890	30,00228	29,67138	29,34609	29,02629	28,71186	28,40272	28,09873	27,79980
60	30,90866	30,55963	30,21665	29,87957	29,54828	29,22266	28,90259	28,58796	28,27865	27,97455

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	3,00%	3,05%	3,10%	3,15%	3,20%	3,25%	3,30%	3,35%	3,40%	3,45%
1	0,97087	0,97040	0,96993	0,96946	0,96899	0,96852	0,96805	0,96759	0,96712	0,96665
2	1,91347	1,91208	1,91070	1,90932	1,90794	1,90656	1,90518	1,90381	1,90244	1,90106
3	2,82861	2,82589	2,82318	2,82047	2,81777	2,81507	2,81237	2,80968	2,80700	2,80431
4	3,71710	3,71266	3,70823	3,70380	3,69939	3,69498	3,69059	3,68620	3,68182	3,67744
5	4,57971	4,57318	4,56666	4,56016	4,55367	4,54720	4,54074	4,53430	4,52787	4,52145
6	5,41719	5,40823	5,39928	5,39036	5,38146	5,37259	5,36374	5,35491	5,34610	5,33732
7	6,23028	6,21856	6,20687	6,19521	6,18359	6,17200	6,16044	6,14892	6,13743	6,12597
8	7,01969	7,00491	6,99017	6,97549	6,96084	6,94625	6,93170	6,91719	6,90274	6,88832
9	7,78611	7,76799	7,74993	7,73193	7,71400	7,69612	7,67831	7,66056	7,64288	7,62525
10	8,53020	8,50848	8,48683	8,46527	8,44379	8,42240	8,40108	8,37984	8,35868	8,33760
11	9,25262	9,22705	9,20159	9,17622	9,15096	9,12581	9,10075	9,07580	9,05095	9,02620
12	9,95400	9,92436	9,89485	9,86546	9,83620	9,80708	9,77808	9,74920	9,72045	9,69183
13	10,63496	10,60103	10,56726	10,53365	10,50020	10,46690	10,43376	10,40078	10,36794	10,33527
14	11,29607	11,25767	11,21946	11,18144	11,14360	11,10596	11,06850	11,03123	10,99414	10,95724
15	11,93794	11,89488	11,85204	11,80944	11,76706	11,72490	11,68296	11,64125	11,59975	11,55847
16	12,56110	12,51322	12,46561	12,41826	12,37118	12,32436	12,27780	12,23149	12,18545	12,13966
17	13,16612	13,11327	13,06073	13,00850	12,95657	12,90495	12,85363	12,80261	12,75188	12,70145
18	13,75351	13,69555	13,63795	13,58070	13,52381	13,46726	13,41106	13,35521	13,29969	13,24452
19	14,32380	14,26060	14,19782	14,13544	14,07346	14,01187	13,95069	13,88989	13,82949	13,76947
20	14,87747	14,80893	14,74085	14,67323	14,60606	14,53935	14,47308	14,40725	14,34187	14,27692
21	15,41502	15,34103	15,26756	15,19460	15,12215	15,05021	14,97878	14,90784	14,83740	14,76744
22	15,93692	15,85738	15,77843	15,70005	15,62224	15,54500	15,46832	15,39220	15,31663	15,24161
23	16,44361	16,35845	16,27393	16,19006	16,10682	16,02421	15,94223	15,86086	15,78011	15,69996
24	16,93554	16,84469	16,75454	16,66511	16,57638	16,48834	16,40100	16,31433	16,22834	16,14302
25	17,41315	17,31653	17,22070	17,12565	17,03138	16,93786	16,84511	16,75310	16,66184	16,57131
26	17,87684	17,77441	17,67284	17,57213	17,47226	17,37323	17,27503	17,17765	17,08108	16,98532
27	18,32703	18,21874	18,11139	18,00497	17,89948	17,79490	17,69122	17,58844	17,48654	17,38552
28	18,76411	18,64992	18,53675	18,42460	18,31345	18,20329	18,09412	17,98591	17,87867	17,77237
29	19,18845	19,06833	18,94932	18,83141	18,71458	18,59883	18,48414	18,37050	18,25790	18,14632
30	19,60044	19,47437	19,34949	19,22580	19,10328	18,98192	18,86170	18,74262	18,62466	18,50780
31	20,00043	19,86838	19,73762	19,60814	19,47992	19,35295	19,22721	19,10268	18,97936	18,85723
32	20,38877	20,25073	20,11409	19,97881	19,84488	19,71230	19,58103	19,45107	19,32240	19,19500
33	20,76579	20,62177	20,47923	20,33816	20,19853	20,06034	19,92355	19,78817	19,65416	19,52151
34	21,13184	20,98182	20,83339	20,68653	20,54121	20,39742	20,25513	20,11434	19,97501	19,83713
35	21,48722	21,33122	21,17691	21,02427	20,87327	20,72389	20,57612	20,42993	20,28531	20,14222
36	21,83225	21,67028	21,51010	21,35169	21,19503	21,04009	20,88686	20,73530	20,58540	20,43714
37	22,16724	21,99930	21,83327	21,66911	21,50681	21,34633	21,18766	21,03077	20,87563	20,72222
38	22,49246	22,31858	22,14672	21,97684	21,80892	21,64294	21,47886	21,31666	21,15632	20,99780
39	22,80822	22,62842	22,45074	22,27517	22,10167	21,93021	21,76076	21,59329	21,42777	21,26419
40	23,11477	22,92908	22,74563	22,56439	22,38534	22,20843	22,03365	21,86095	21,69030	21,52169
41	23,41240	23,22084	23,03165	22,84478	22,66021	22,47790	22,29782	22,11993	21,94420	21,77060
42	23,70136	23,50397	23,30907	23,11661	22,92656	22,73889	22,55355	22,37052	22,18975	22,01122
43	23,98190	23,77872	23,57814	23,38014	23,18465	22,99166	22,80111	22,61298	22,42722	22,24380
44	24,25427	24,04534	23,83913	23,63561	23,43474	23,23647	23,04077	22,84759	22,65689	22,46864
45	24,51871	24,30406	24,09227	23,88329	23,67708	23,47358	23,27277	23,07459	22,87900	22,68597
46	24,77545	24,55513	24,33780	24,12340	23,91189	23,70323	23,49735	23,29423	23,09381	22,89606
47	25,02471	24,79877	24,57595	24,35618	24,13943	23,92564	23,71477	23,50675	23,30156	23,09914
48	25,26671	25,03520	24,80693	24,58185	24,35992	24,14106	23,92523	23,71239	23,50248	23,29544
49	25,50166	25,26463	25,03097	24,80063	24,57356	24,34969	24,12898	23,91136	23,69679	23,48520
50	25,72976	25,48726	25,24827	25,01273	24,78058	24,55176	24,32621	24,10388	23,88471	23,66864
51	25,95123	25,70331	25,45904	25,21836	24,98118	24,74747	24,51715	24,29016	24,06645	23,84595
52	26,16624	25,91297	25,66348	25,41770	25,17557	24,93702	24,70198	24,47040	24,24221	24,01735
53	26,37499	26,11642	25,86176	25,61095	25,36392	25,12060	24,88091	24,64480	24,41220	24,18304
54	26,57766	26,31384	26,05408	25,79831	25,54644	25,29840	25,05413	24,81355	24,57659	24,34320
55	26,77443	26,50543	26,24063	25,97994	25,72329	25,47060	25,22181	24,97682	24,73558	24,49802
56	26,96546	26,69134	26,42156	26,15602	25,89466	25,63739	25,38413	25,13481	24,88934	24,64767
57	27,15094	26,87175	26,59705	26,32673	26,06072	25,79892	25,54127	25,28767	25,03805	24,79234
58	27,33101	27,04683	26,76726	26,49223	26,22163	25,95537	25,69339	25,43558	25,18187	24,93218
59	27,50583	27,21672	26,93236	26,65267	26,37754	26,10690	25,84064	25,57869	25,32095	25,06735
60	27,67556	27,38158	27,09249	26,80821	26,52863	26,25366	25,98320	25,71717	25,45547	25,19802

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	3,50%	3,55%	3,60%	3,65%	3,70%	3,75%	3,80%	3,85%	3,90%	3,95%
1	0,96618	0,96572	0,96525	0,96479	0,96432	0,96386	0,96339	0,96293	0,96246	0,96200
2	1,89969	1,89833	1,89696	1,89560	1,89423	1,89287	1,89151	1,89016	1,88880	1,88745
3	2,80164	2,79896	2,79629	2,79363	2,79097	2,78831	2,78566	2,78301	2,78037	2,77773
4	3,67308	3,66872	3,66438	3,66004	3,65571	3,65138	3,64707	3,64276	3,63847	3,63418
5	4,51505	4,50867	4,50229	4,49594	4,48959	4,48326	4,47695	4,47064	4,46436	4,45808
6	5,32855	5,31981	5,31109	5,30240	5,29372	5,28507	5,27644	5,26783	5,25925	5,25068
7	6,11454	6,10315	6,09179	6,08046	6,06916	6,05790	6,04667	6,03547	6,02430	6,01316
8	6,87396	6,85963	6,84536	6,83113	6,81694	6,80280	6,78870	6,77464	6,76063	6,74667
9	7,60769	7,59018	7,57274	7,55535	7,53803	7,52077	7,50356	7,48642	7,46933	7,45230
10	8,31661	8,29569	8,27484	8,25408	8,23340	8,21279	8,19226	8,17180	8,15142	8,13112
11	9,00155	8,97700	8,95255	8,92820	8,90395	8,87979	8,85574	8,83178	8,80792	8,78415
12	9,66333	9,63496	9,60671	9,57858	9,55058	9,52269	9,49493	9,46729	9,43976	9,41236
13	10,30274	10,27036	10,23814	10,20606	10,17413	10,14236	10,11072	10,07924	10,04790	10,01670
14	10,92052	10,88398	10,84762	10,81144	10,77544	10,73962	10,70397	10,66850	10,63320	10,59808
15	11,51741	11,47656	11,43593	11,39551	11,35530	11,31530	11,27550	11,23592	11,19654	11,15736
16	12,09412	12,04883	12,00379	11,95900	11,91446	11,87017	11,82611	11,78230	11,73873	11,69539
17	12,65132	12,60148	12,55192	12,50266	12,45368	12,40498	12,35656	12,30842	12,26056	12,21298
18	13,18968	13,13518	13,08101	13,02717	12,97365	12,92046	12,86759	12,81505	12,76281	12,71090
19	13,70984	13,65058	13,59171	13,53320	13,47507	13,41731	13,35992	13,30288	13,24621	13,18990
20	14,21240	14,14832	14,08466	14,02142	13,95861	13,89620	13,83422	13,77264	13,71147	13,65070
21	14,69797	14,62899	14,56048	14,49245	14,42488	14,35779	14,29115	14,22498	14,15925	14,09398
22	15,16712	15,09318	15,01977	14,94689	14,87453	14,80269	14,73136	14,66054	14,59024	14,52043
23	15,62041	15,54146	15,46310	15,38532	15,30813	15,23151	15,15545	15,07997	15,00504	14,93067
24	16,05837	15,97437	15,89102	15,80832	15,72625	15,64482	15,56402	15,48384	15,40427	15,32532
25	16,48151	16,39244	16,30407	16,21642	16,12946	16,04320	15,95763	15,87274	15,78852	15,70497
26	16,89035	16,79617	16,70277	16,61015	16,51829	16,42718	16,33683	16,24722	16,15834	16,07020
27	17,28536	17,18607	17,08762	16,99001	16,89324	16,79729	16,70215	16,60782	16,51429	16,42155
28	17,66702	17,56260	17,45909	17,35650	17,25481	17,15401	17,05409	16,95505	16,85687	16,75954
29	18,03577	17,92622	17,81766	17,71008	17,60348	17,49784	17,39315	17,28941	17,18659	17,08470
30	18,39205	18,27737	18,16376	18,05121	17,93971	17,82925	17,71980	17,61137	17,50394	17,39750
31	18,73628	18,61648	18,49784	18,38033	18,26395	18,14867	18,03449	17,92140	17,80937	17,69841
32	19,06887	18,94397	18,82031	18,69786	18,57661	18,45655	18,33766	18,21993	18,10334	17,98789
33	19,39021	19,26023	19,13157	19,00421	18,87812	18,75330	18,62973	18,50739	18,38628	18,26637
34	19,70068	19,56565	19,43202	19,29976	19,16887	19,03933	18,91111	18,78420	18,65859	18,53426
35	20,00066	19,86060	19,72203	19,58492	19,44925	19,31501	19,18218	19,05075	18,92069	18,79198
36	20,29049	20,14544	20,00196	19,86002	19,71962	19,58074	19,44334	19,30741	19,17294	19,03990
37	20,57053	20,42051	20,27216	20,12545	19,98035	19,83685	19,69493	19,55456	19,41573	19,27841
38	20,84109	20,68615	20,53297	20,38152	20,23178	20,08371	19,93731	19,79255	19,64940	19,50785
39	21,10250	20,94269	20,78472	20,62858	20,47423	20,32165	20,17082	20,02171	19,87430	19,72857
40	21,35507	21,19043	21,02772	20,86693	20,70803	20,55099	20,39578	20,24238	20,09076	19,94090
41	21,59910	21,42967	21,26228	21,09690	20,93349	20,77204	20,61251	20,45487	20,29910	20,14517
42	21,83488	21,66072	21,48869	21,31876	21,15091	20,98510	20,82130	20,65948	20,49961	20,34167
43	22,06269	21,88384	21,70723	21,53281	21,36057	21,19046	21,02244	20,85650	20,69260	20,53071
44	22,28279	22,09932	21,91817	21,73933	21,56275	21,38839	21,21623	21,04622	20,87835	20,71256
45	22,49545	22,30740	22,12179	21,93857	21,75771	21,57917	21,40292	21,22891	21,05712	20,88751
46	22,70092	22,50836	22,31833	22,13080	21,94572	21,76306	21,58277	21,40483	21,22918	21,05580
47	22,89944	22,70242	22,50804	22,31625	22,12702	21,94030	21,75604	21,57422	21,39478	21,21770
48	23,09124	22,88983	22,69116	22,49518	22,30185	22,11113	21,92297	21,73733	21,55417	21,37345
49	23,27656	23,07082	22,86791	22,66781	22,47044	22,27579	22,08379	21,89440	21,70758	21,52328
50	23,45562	23,24560	23,03853	22,83435	22,63302	22,43449	22,23871	22,04564	21,85522	21,66742
51	23,62862	23,41439	23,20321	22,99503	22,78980	22,58746	22,38797	22,19128	21,99733	21,80608
52	23,79576	23,57739	23,36217	23,15006	22,94098	22,73490	22,53176	22,33151	22,13410	21,93947
53	23,95726	23,73480	23,51561	23,29962	23,08677	22,87702	22,67029	22,46655	22,26573	22,06779
54	24,11330	23,88682	23,66372	23,44392	23,22736	23,01399	22,80375	22,59658	22,39243	22,19124
55	24,26405	24,03363	23,80668	23,58313	23,36293	23,14602	22,93232	22,72179	22,51437	22,30999
56	24,40971	24,17540	23,94467	23,71745	23,49367	23,27327	23,05619	22,84236	22,63173	22,42424
57	24,55045	24,31231	24,07787	23,84703	23,61974	23,39592	23,17552	22,95846	22,74469	22,53414
58	24,68642	24,44453	24,20643	23,97205	23,74131	23,51414	23,29048	23,07026	22,85341	22,63986
59	24,81780	24,57222	24,33053	24,09267	23,85854	23,62809	23,40123	23,17791	22,95804	22,74157
60	24,94473	24,69553	24,45032	24,20904	23,97159	23,73792	23,50793	23,28157	23,05875	22,83941

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	4,00%	4,05%	4,10%	4,15%	4,20%	4,25%	4,30%	4,35%	4,40%	4,45%
1	0,96154	0,96108	0,96061	0,96015	0,95969	0,95923	0,95877	0,95831	0,95785	0,95740
2	1,88609	1,88474	1,88340	1,88205	1,88070	1,87936	1,87802	1,87668	1,87534	1,87400
3	2,77509	2,77246	2,76983	2,76721	2,76459	2,76198	2,75937	2,75676	2,75416	2,75156
4	3,62990	3,62562	3,62136	3,61710	3,61285	3,60861	3,60438	3,60015	3,59594	3,59173
5	4,45182	4,44558	4,43934	4,43313	4,42692	4,42073	4,41455	4,40839	4,40224	4,39610
6	5,24214	5,23361	5,22511	5,21663	5,20818	5,19974	5,19132	5,18293	5,17456	5,16620
7	6,00205	5,99098	5,97994	5,96892	5,95794	5,94699	5,93607	5,92518	5,91433	5,90350
8	6,73274	6,71887	6,70503	6,69124	6,67749	6,66378	6,65012	6,63650	6,62292	6,60938
9	7,43533	7,41842	7,40157	7,38477	7,36803	7,35135	7,33473	7,31816	7,30165	7,28519
10	8,11090	8,09074	8,07067	8,05067	8,03074	8,01089	7,99111	7,97140	7,95177	7,93221
11	8,76048	8,73690	8,71342	8,69003	8,66674	8,64354	8,62043	8,59741	8,57449	8,55166
12	9,38507	9,35791	9,33085	9,30392	9,27710	9,25039	9,22381	9,19733	9,17097	9,14472
13	9,98565	9,95474	9,92397	9,89334	9,86286	9,83251	9,80231	9,77224	9,74231	9,71251
14	10,56312	10,52834	10,49373	10,45928	10,42501	10,39090	10,35696	10,32318	10,28957	10,25611
15	11,11839	11,07962	11,04105	11,00267	10,96450	10,92652	10,88874	10,85115	10,81376	10,77656
16	11,65230	11,60943	11,56681	11,52441	11,48225	11,44031	11,39860	11,35712	11,31586	11,27483
17	12,16567	12,11863	12,07186	12,02536	11,97912	11,93315	11,88744	11,84199	11,79680	11,75187
18	12,65930	12,60801	12,55702	12,50634	12,45597	12,40590	12,35613	12,30665	12,25747	12,20859
19	13,13394	13,07833	13,02308	12,96817	12,91360	12,85938	12,80549	12,75194	12,69873	12,64585
20	13,59033	13,53035	13,47077	13,41159	13,35278	13,29437	13,23633	13,17867	13,12139	13,06448
21	14,02916	13,96478	13,90084	13,83734	13,77426	13,71162	13,64941	13,58761	13,52623	13,46527
22	14,45112	14,38230	14,31397	14,24612	14,17876	14,11187	14,04545	13,97950	13,91402	13,84899
23	14,85684	14,78356	14,71082	14,63862	14,56694	14,49580	14,42517	14,35506	14,28546	14,21636
24	15,24696	15,16921	15,09205	15,01548	14,93949	14,86407	14,78923	14,71496	14,64124	14,56808
25	15,62208	15,53985	15,45826	15,37732	15,29701	15,21734	15,13829	15,05985	14,98203	14,90482
26	15,98277	15,89606	15,81005	15,72474	15,64013	15,55620	15,47295	15,39037	15,30846	15,22721
27	16,32959	16,23840	16,14798	16,05832	15,96941	15,88124	15,79381	15,70711	15,62113	15,53586
28	16,66306	16,56742	16,47260	16,37861	16,28542	16,19304	16,10145	16,01065	15,92062	15,83137
29	16,98371	16,88363	16,78444	16,68613	16,58870	16,49213	16,39641	16,30153	16,20749	16,11428
30	17,29203	17,18754	17,08400	16,98141	16,87975	16,77902	16,67920	16,58029	16,48227	16,38514
31	17,58849	17,47961	17,37176	17,26491	17,15907	17,05421	16,95034	16,84743	16,74547	16,64446
32	17,87355	17,76032	17,64818	17,53712	17,42713	17,31819	17,21029	17,10343	16,99758	16,89274
33	18,14765	18,03010	17,91372	17,79848	17,68438	17,57141	17,45953	17,34876	17,23906	17,13043
34	18,41120	18,28938	18,16880	18,04943	17,93127	17,81430	17,69850	17,58386	17,47036	17,35800
35	18,66461	18,53857	18,41383	18,29038	18,16821	18,04729	17,92761	17,80916	17,69192	17,57588
36	18,90828	18,77806	18,64921	18,52173	18,39559	18,27078	18,14728	18,02507	17,90414	17,78447
37	19,14258	19,00822	18,87532	18,74386	18,61381	18,48516	18,35789	18,23198	18,10741	17,98417
38	19,36786	19,22943	19,09253	18,95714	18,82324	18,69080	18,55982	18,43026	18,30212	18,17537
39	19,58448	19,44203	19,30118	19,16192	19,02422	18,88806	18,75342	18,62028	18,48862	18,35842
40	19,79277	19,64635	19,50162	19,35854	19,21710	19,07727	18,93904	18,80238	18,66726	18,53367
41	19,99305	19,84272	19,69416	19,54733	19,40221	19,25878	19,11701	18,97688	18,83837	18,70146
42	20,18563	20,03145	19,87911	19,72859	19,57985	19,43288	19,28764	19,14411	19,00227	18,86209
43	20,37079	20,21283	20,05678	19,90263	19,75034	19,59988	19,45124	19,30437	19,15926	19,01589
44	20,54884	20,38715	20,22746	20,06974	19,91395	19,76008	19,60809	19,45795	19,30964	19,16313
45	20,72004	20,55469	20,39141	20,23018	20,07097	19,91375	19,75848	19,60513	19,45368	19,30409
46	20,88465	20,71570	20,54891	20,38424	20,22166	20,06115	19,90266	19,74617	19,59165	19,43906
47	21,04294	20,87045	20,70020	20,53215	20,36628	20,20254	20,04090	19,88133	19,72380	19,56827
48	21,19513	21,01917	20,84553	20,67417	20,50507	20,33817	20,17344	20,01086	19,85038	19,69197
49	21,34147	21,16210	20,98514	20,81054	20,63826	20,46827	20,30052	20,13499	19,97163	19,81041
50	21,48218	21,29948	21,11925	20,94147	20,76608	20,59306	20,42236	20,25394	20,08777	19,92380
51	21,61749	21,43150	21,24808	21,06718	20,88876	20,71277	20,53918	20,36794	20,19901	20,03236
52	21,74758	21,55839	21,37183	21,18788	21,00648	20,82760	20,65118	20,47718	20,30557	20,13630
53	21,87267	21,68033	21,49071	21,30378	21,11947	20,93774	20,75856	20,58187	20,40763	20,23580
54	21,99296	21,79753	21,60491	21,41505	21,22789	21,04340	20,86151	20,68219	20,50539	20,33107
55	22,10861	21,91017	21,71461	21,52189	21,33195	21,14475	20,96022	20,77834	20,59904	20,42228
56	22,21982	22,01842	21,81999	21,62448	21,43182	21,24196	21,05486	20,87047	20,68873	20,50960
57	22,32675	22,12246	21,92122	21,72297	21,52765	21,33522	21,14560	20,95876	20,77465	20,59320
58	22,42957	22,22245	22,01847	21,81754	21,61963	21,42467	21,23260	21,04338	20,85694	20,67325
59	22,52843	22,31855	22,11188	21,90835	21,70790	21,51047	21,31601	21,12446	20,93577	20,74988
60	22,62349	22,41091	22,20161	21,99553	21,79261	21,59278	21,39598	21,20217	21,01127	20,82324

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	4,50%	4,55%	4,60%	4,65%	4,70%	4,75%	4,80%	4,85%	4,90%	4,95%
1	0,95694	0,95648	0,95602	0,95557	0,95511	0,95465	0,95420	0,95374	0,95329	0,95283
2	1,87267	1,87133	1,87000	1,86867	1,86734	1,86602	1,86469	1,86337	1,86205	1,86073
3	2,74896	2,74637	2,74379	2,74121	2,73863	2,73606	2,73349	2,73092	2,72836	2,72580
4	3,58753	3,58333	3,57915	3,57497	3,57080	3,56664	3,56249	3,55834	3,55420	3,55007
5	4,38998	4,38387	4,37777	4,37169	4,36562	4,35956	4,35352	4,34749	4,34147	4,33547
6	5,15787	5,14956	5,14127	5,13300	5,12475	5,11653	5,10832	5,10013	5,09196	5,08382
7	5,89270	5,88193	5,87120	5,86049	5,84981	5,83917	5,82855	5,81796	5,80740	5,79687
8	6,59589	6,58243	6,56902	6,55565	6,54232	6,52904	6,51579	6,50258	6,48942	6,47630
9	7,26879	7,25245	7,23616	7,21993	7,20375	7,18762	7,17156	7,15554	7,13958	7,12367
10	7,91272	7,89330	7,87396	7,85468	7,83548	7,81635	7,79729	7,77829	7,75937	7,74052
11	8,52892	8,50627	8,48371	8,46124	8,43885	8,41656	8,39436	8,37224	8,35021	8,32827
12	9,11858	9,09256	9,06664	9,04084	9,01514	8,98956	8,96408	8,93871	8,91345	8,88830
13	9,68285	9,65333	9,62394	9,59468	9,56556	9,53657	9,50771	9,47898	9,45038	9,42191
14	10,22283	10,18970	10,15673	10,12392	10,09127	10,05878	10,02644	9,99426	9,96223	9,93036
15	10,73955	10,70272	10,66609	10,62964	10,59338	10,55731	10,52141	10,48570	10,45018	10,41483
16	11,23402	11,19342	11,15305	11,11289	11,07295	11,03323	10,99372	10,95441	10,91532	10,87644
17	11,70719	11,66277	11,61859	11,57467	11,53100	11,48757	11,44438	11,40144	11,35875	11,31629
18	12,15999	12,11169	12,06367	12,01593	11,96848	11,92131	11,87441	11,82780	11,78145	11,73539
19	12,59329	12,54107	12,48916	12,43758	12,38632	12,33538	12,28475	12,23443	12,18442	12,13472
20	13,00794	12,95176	12,89595	12,84050	12,78541	12,73067	12,67628	12,62225	12,56856	12,51521
21	13,40472	13,34458	13,28485	13,22551	13,16658	13,10804	13,04989	12,99213	12,93476	12,87776
22	13,78442	13,72031	13,65664	13,59342	13,53064	13,46829	13,40638	13,34490	13,28385	13,22322
23	14,14777	14,07968	14,01209	13,94498	13,87835	13,81221	13,74655	13,68136	13,61663	13,55237
24	14,49548	14,42342	14,35190	14,28092	14,21046	14,14054	14,07113	14,00225	13,93387	13,86601
25	14,82821	14,75219	14,67677	14,60193	14,52766	14,45397	14,38085	14,30829	14,23629	14,16485
26	15,14661	15,06666	14,98735	14,90867	14,83062	14,75320	14,67639	14,60019	14,52459	14,44959
27	15,45130	15,36744	15,28427	15,20179	15,11998	15,03885	14,95838	14,87857	14,79942	14,72091
28	15,74287	15,65513	15,56814	15,48188	15,39636	15,31155	15,22747	15,14409	15,06141	14,97942
29	16,02189	15,93030	15,83952	15,74953	15,66032	15,57189	15,48422	15,39732	15,31116	15,22575
30	16,28889	16,19350	16,09897	16,00528	15,91244	15,82042	15,72922	15,63883	15,54925	15,46046
31	16,54439	16,44524	16,34701	16,24967	16,15323	16,05768	15,96300	15,86918	15,77621	15,68409
32	16,78889	16,68603	16,58414	16,48320	16,38322	16,28418	16,18607	16,08887	15,99258	15,89718
33	17,02286	16,91633	16,81084	16,70636	16,60289	16,50041	16,39892	16,29840	16,19883	16,10022
34	17,24676	17,13662	17,02757	16,91960	16,81269	16,70684	16,60202	16,49823	16,39546	16,29369
35	17,46101	17,34731	17,23477	17,12336	17,01308	16,90390	16,79582	16,68882	16,58290	16,47802
36	17,66604	17,54884	17,43286	17,31807	17,20447	17,09203	16,98075	16,87060	16,76158	16,65367
37	17,86224	17,74160	17,62223	17,50413	17,38726	17,27163	17,15720	17,04397	16,93191	16,82103
38	18,04999	17,92597	17,80328	17,68192	17,56186	17,44308	17,32557	17,20932	17,09429	16,98049
39	18,22966	18,10231	17,97637	17,85181	17,72861	17,60676	17,48623	17,36702	17,24909	17,13244
40	18,40158	18,27098	18,14185	18,01415	17,88788	17,76302	17,63954	17,51742	17,39665	17,27721
41	18,56611	18,43231	18,30004	18,16928	18,04000	17,91219	17,78582	17,66087	17,53732	17,41516
42	18,72355	18,58662	18,45128	18,31752	18,18529	18,05459	17,92540	17,79768	17,67142	17,54661
43	18,87421	18,73421	18,59587	18,45916	18,32406	18,19054	18,05858	17,92816	17,79926	17,67185
44	19,01838	18,87538	18,73411	18,59452	18,45660	18,32033	18,18567	18,05261	17,92113	17,79119
45	19,15635	19,01041	18,86626	18,72386	18,58319	18,44423	18,30694	18,17130	18,03730	17,90489
46	19,28837	19,13956	18,99260	18,84745	18,70410	18,56251	18,42265	18,28451	18,14804	18,01324
47	19,41471	19,26309	19,11338	18,96556	18,81958	18,67543	18,53307	18,39247	18,25362	18,11647
48	19,53561	19,38124	19,22886	19,07841	18,92987	18,78322	18,63842	18,49544	18,35426	18,21484
49	19,65130	19,49426	19,33925	19,18625	19,03522	18,88613	18,73895	18,59365	18,45020	18,30856
50	19,76201	19,60235	19,44479	19,28930	19,13584	18,98437	18,83488	18,68732	18,54166	18,39787
51	19,86795	19,70574	19,54569	19,38777	19,23193	19,07816	18,92641	18,77665	18,62884	18,48296
52	19,96933	19,80463	19,64215	19,48186	19,32372	19,16769	19,01375	18,86185	18,71196	18,56404
53	20,06634	19,89921	19,73437	19,57177	19,41138	19,25317	19,09709	18,94311	18,79119	18,64130
54	20,15918	19,98968	19,82253	19,65769	19,49511	19,33477	19,17661	19,02061	18,86672	18,71491
55	20,24802	20,07621	19,90682	19,73979	19,57509	19,41267	19,25249	19,09452	18,93872	18,78505
56	20,33303	20,15898	19,98740	19,81824	19,65147	19,48703	19,32490	19,16502	19,00736	18,85188
57	20,41439	20,23815	20,06443	19,89321	19,72442	19,55803	19,39399	19,23226	19,07279	18,91556
58	20,49224	20,31386	20,13808	19,96484	19,79410	19,62580	19,45991	19,29638	19,13517	18,97624
59	20,56673	20,38629	20,20849	20,03329	19,86065	19,69050	19,52282	19,35754	19,19463	19,03405
60	20,63802	20,45556	20,27580	20,09870	19,92421	19,75227	19,58284	19,41587	19,25132	19,08914

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	5,00%	5,10%	5,20%	5,30%	5,40%	5,50%	5,60%	5,70%	5,80%	5,90%
1	0,95238	0,95147	0,95057	0,94967	0,94877	0,94787	0,94697	0,94607	0,94518	0,94429
2	1,85941	1,85678	1,85415	1,85154	1,84892	1,84632	1,84372	1,84113	1,83854	1,83597
3	2,72325	2,71815	2,71307	2,70801	2,70296	2,69793	2,69292	2,68792	2,68293	2,67797
4	3,54595	3,53773	3,52954	3,52138	3,51325	3,50515	3,49708	3,48904	3,48103	3,47305
5	4,32948	4,31753	4,30564	4,29381	4,28202	4,27028	4,25860	4,24697	4,23538	4,22385
6	5,07569	5,05950	5,04339	5,02736	5,01140	4,99553	4,97973	4,96402	4,94838	4,93281
7	5,78637	5,76546	5,74467	5,72399	5,70342	5,68297	5,66263	5,64240	5,62228	5,60228
8	6,46321	6,43717	6,41128	6,38555	6,35998	6,33457	6,30931	6,28420	6,25925	6,23445
9	7,10782	7,07628	7,04494	7,01382	6,98290	6,95220	6,92169	6,89139	6,86129	6,83139
10	7,72173	7,68437	7,64728	7,61046	7,57391	7,53763	7,50160	7,46584	7,43033	7,39508
11	8,30641	8,26296	8,21985	8,17708	8,13464	8,09254	8,05076	8,00931	7,96818	7,92737
12	8,86325	8,81347	8,76412	8,71517	8,66664	8,61852	8,57079	8,52347	8,47654	8,43000
13	9,39357	9,33727	9,28148	9,22619	9,17139	9,11708	9,06325	9,00991	8,95703	8,90463
14	9,89864	9,83566	9,77327	9,71148	9,65027	9,58965	9,52960	9,47011	9,41118	9,35281
15	10,37966	10,30985	10,24075	10,17234	10,10462	10,03758	9,97121	9,90550	9,84044	9,77602
16	10,83777	10,76104	10,68512	10,61001	10,53570	10,46216	10,38940	10,31740	10,24616	10,17566
17	11,27407	11,19033	11,10753	11,02565	10,94468	10,86461	10,78542	10,70710	10,62964	10,55303
18	11,68959	11,59879	11,50906	11,42037	11,33272	11,24607	11,16043	11,07578	10,99210	10,90938
19	12,08532	11,98744	11,89074	11,79523	11,70087	11,60765	11,51556	11,42458	11,33469	11,24587
20	12,46221	12,35722	12,25356	12,15121	12,05016	11,95038	11,85186	11,75457	11,65849	11,56362
21	12,82115	12,70906	12,59844	12,48928	12,38156	12,27524	12,17032	12,06676	11,96455	11,86366
22	13,16300	13,04382	12,92627	12,81033	12,69597	12,58317	12,47189	12,36212	12,25383	12,14699
23	13,48857	13,36234	13,23790	13,11523	12,99428	12,87504	12,75748	12,64155	12,52725	12,41453
24	13,79864	13,66541	13,53413	13,40477	13,27731	13,15170	13,02791	12,90592	12,78568	12,66717
25	14,09394	13,95376	13,81571	13,67975	13,54583	13,41393	13,28401	13,15602	13,02994	12,90573
26	14,37519	14,22813	14,08338	13,94088	13,80060	13,66250	13,52652	13,39264	13,26081	13,13100
27	14,64303	14,48918	14,33781	14,18887	14,04232	13,89810	13,75618	13,61650	13,47903	13,34372
28	14,89813	14,73756	14,57967	14,42438	14,27165	14,12142	13,97365	13,82829	13,68528	13,54459
29	15,14107	14,97390	14,80957	14,64803	14,48923	14,33310	14,17959	14,02866	13,88023	13,73427
30	15,37245	15,19876	15,02811	14,86043	14,69566	14,53375	14,37462	14,21822	14,06449	13,91338
31	15,59281	15,41271	15,23584	15,06214	14,89152	14,72393	14,55930	14,39756	14,23865	14,08251
32	15,80268	15,61628	15,43331	15,25369	15,07734	14,90420	14,73418	14,56722	14,40326	14,24222
33	16,00255	15,80997	15,62102	15,43560	15,25365	15,07507	14,89979	14,72774	14,55885	14,39303
34	16,19290	15,99426	15,79945	15,60836	15,42092	15,23703	15,05662	14,87961	14,70590	14,53544
35	16,37419	16,16961	15,96906	15,77242	15,57962	15,39055	15,20513	15,02328	14,84490	14,66992
36	16,54685	16,33646	16,13028	15,92823	15,73019	15,53607	15,34577	15,15920	14,97628	14,79690
37	16,71129	16,49520	16,28354	16,07619	15,87304	15,67400	15,47895	15,28780	15,10045	14,91681
38	16,86789	16,64624	16,42922	16,21670	16,00858	15,80474	15,60507	15,40946	15,21782	15,03004
39	17,01704	16,78995	16,56770	16,35015	16,13717	15,92866	15,72449	15,52456	15,32875	15,13695
40	17,15909	16,92669	16,69933	16,47687	16,25918	16,04612	15,83759	15,63345	15,43360	15,23792
41	17,29437	17,05680	16,82446	16,59722	16,37493	16,15746	15,94469	15,73647	15,53270	15,33326
42	17,42321	17,18059	16,94340	16,71151	16,48475	16,26300	16,04611	15,83394	15,62637	15,42328
43	17,54591	17,29837	17,05647	16,82005	16,58895	16,36303	16,14215	15,92615	15,71491	15,50829
44	17,66277	17,41044	17,16394	16,92312	16,68781	16,45785	16,23309	16,01339	15,79859	15,58857
45	17,77407	17,51707	17,26610	17,02101	16,78160	16,54773	16,31922	16,09592	15,87769	15,66437
46	17,88007	17,61852	17,36322	17,11397	16,87059	16,63292	16,40077	16,17400	15,95244	15,73595
47	17,98102	17,71505	17,45553	17,20225	16,95502	16,71366	16,47800	16,24787	16,02310	15,80354
48	18,07716	17,80690	17,54328	17,28609	17,03512	16,79020	16,55114	16,31776	16,08989	15,86737
49	18,16872	17,89429	17,62669	17,36570	17,11112	16,86275	16,62040	16,38388	16,15302	15,92763
50	18,25593	17,97744	17,70598	17,44131	17,18323	16,93152	16,68598	16,44643	16,21268	15,98455
51	18,33898	18,05656	17,78135	17,51312	17,25164	16,99670	16,74809	16,50561	16,26907	16,03829
52	18,41807	18,13184	17,85299	17,58131	17,31655	17,05848	16,80690	16,56160	16,32238	16,08903
53	18,49340	18,20346	17,92110	17,64607	17,37813	17,11705	16,86260	16,61457	16,37276	16,13695
54	18,56515	18,27161	17,98583	17,70757	17,43655	17,17255	16,91534	16,66468	16,42037	16,18220
55	18,63347	18,33645	18,04737	17,76597	17,49199	17,22517	16,96528	16,71209	16,46538	16,22493
56	18,69854	18,39814	18,10587	17,82143	17,54458	17,27504	17,01258	16,75695	16,50792	16,26528
57	18,76052	18,45684	18,16147	17,87411	17,59448	17,32232	17,05737	16,79938	16,54813	16,30338
58	18,81954	18,51270	18,21432	17,92413	17,64182	17,36712	17,09978	16,83953	16,58613	16,33936
59	18,87575	18,56584	18,26457	17,97163	17,68674	17,40960	17,13994	16,87751	16,62206	16,37333
60	18,92929	18,61640	18,31233	18,01674	17,72935	17,44985	17,17798	16,91345	16,65601	16,40541

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	6,00%	6,10%	6,20%	6,30%	6,40%	6,50%	6,60%	6,70%	6,80%	6,90%
1	0,94340	0,94251	0,94162	0,94073	0,93985	0,93897	0,93809	0,93721	0,93633	0,93545
2	1,83339	1,83083	1,82827	1,82571	1,82317	1,82063	1,81809	1,81556	1,81304	1,81053
3	2,67301	2,66807	2,66315	2,65824	2,65335	2,64848	2,64361	2,63877	2,63394	2,62912
4	3,46511	3,45719	3,44930	3,44143	3,43360	3,42580	3,41802	3,41028	3,40256	3,39487
5	4,21236	4,20093	4,18954	4,17821	4,16692	4,15568	4,14449	4,13334	4,12225	4,11120
6	4,91732	4,90191	4,88658	4,87131	4,85613	4,84101	4,82597	4,81101	4,79611	4,78129
7	5,58238	5,56259	5,54292	5,52334	5,50388	5,48452	5,46527	5,44612	5,42707	5,40813
8	6,20979	6,18529	6,16094	6,13673	6,11267	6,08875	6,06498	6,04135	6,01786	5,99451
9	6,80169	6,77219	6,74288	6,71376	6,68484	6,65610	6,62756	6,59920	6,57103	6,54304
10	7,36009	7,32534	7,29085	7,25660	7,22259	7,18883	7,15531	7,12202	7,08898	7,05616
11	7,88687	7,84669	7,80682	7,76726	7,72800	7,68904	7,65038	7,61202	7,57395	7,53617
12	8,38384	8,33807	8,29268	8,24766	8,20301	8,15873	8,11481	8,07125	8,02804	7,98519
13	8,85268	8,80120	8,75017	8,69958	8,64944	8,59974	8,55047	8,50164	8,45322	8,40523
14	9,29498	9,23770	9,18095	9,12473	9,06903	9,01384	8,95917	8,90500	8,85133	8,79816
15	9,71225	9,64910	9,58658	9,52467	9,46337	9,40267	9,34256	9,28304	9,22409	9,16572
16	10,10590	10,03686	9,96853	9,90091	9,83399	9,76776	9,70221	9,63734	9,57312	9,50956
17	10,47726	10,40231	10,32818	10,25486	10,18233	10,11058	10,03960	9,96939	9,89993	9,83121
18	10,82760	10,74676	10,66684	10,58782	10,50970	10,43247	10,35610	10,28059	10,20592	10,13209
19	11,15812	11,07141	10,98572	10,90106	10,81739	10,73471	10,65300	10,57225	10,49244	10,41356
20	11,46992	11,37739	11,28599	11,19573	11,10657	11,01851	10,93152	10,84559	10,76071	10,67686
21	11,76408	11,66577	11,56873	11,47293	11,37836	11,28498	11,19280	11,10177	11,01190	10,92316
22	12,04158	11,93758	11,83496	11,73371	11,63379	11,53520	11,43789	11,34187	11,24710	11,15356
23	12,30338	12,19376	12,08565	11,97903	11,87387	11,77014	11,66782	11,56689	11,46732	11,36909
24	12,55036	12,43521	12,32171	12,20981	12,09950	11,99074	11,88351	11,77778	11,67352	11,57071
25	12,78336	12,66278	12,54398	12,42692	12,31156	12,19788	12,08584	11,97542	11,86659	11,75932
26	13,00317	12,87727	12,75328	12,63115	12,51086	12,39237	12,27565	12,16066	12,04737	11,93575
27	13,21053	13,07943	12,95036	12,82329	12,69818	12,57500	12,45370	12,33426	12,21664	12,10080
28	13,40616	13,26996	13,13593	13,00403	12,87423	12,74648	12,62074	12,49697	12,37513	12,25519
29	13,59072	13,44954	13,31067	13,17407	13,03969	12,90749	12,77743	12,64945	12,52353	12,39962
30	13,76483	13,61879	13,47520	13,33402	13,19520	13,05868	12,92441	12,79236	12,66248	12,53472
31	13,92909	13,77831	13,63014	13,48450	13,34135	13,20063	13,06230	12,92630	12,79259	12,66111
32	14,08404	13,92866	13,77602	13,62606	13,47871	13,33393	13,19165	13,05183	12,91441	12,77933
33	14,23023	14,07037	13,91339	13,75923	13,60781	13,45909	13,31300	13,16947	13,02847	12,88993
34	14,36814	14,20393	14,04274	13,88450	13,72915	13,57661	13,42682	13,27973	13,13527	12,99338
35	14,49825	14,32981	14,16454	14,00235	13,84318	13,68696	13,53361	13,38307	13,23527	13,09016
36	14,62099	14,44846	14,27923	14,11322	13,95036	13,79057	13,63378	13,47991	13,32891	13,18069
37	14,73678	14,56028	14,38722	14,21752	14,05109	13,88786	13,72775	13,57068	13,41658	13,26538
38	14,84602	14,66567	14,48891	14,31563	14,14576	13,97921	13,81590	13,65574	13,49867	13,34460
39	14,94907	14,76501	14,58466	14,40793	14,23474	14,06499	13,89859	13,73547	13,57553	13,41871
40	15,04630	14,85863	14,67482	14,49476	14,31836	14,14553	13,97616	13,81018	13,64750	13,48804
41	15,13802	14,94687	14,75972	14,57645	14,39696	14,22115	14,04893	13,88021	13,71489	13,55289
42	15,22454	15,03004	14,83966	14,65329	14,47083	14,29216	14,11720	13,94584	13,77799	13,61355
43	15,30617	15,10843	14,91493	14,72558	14,54025	14,35884	14,18124	14,00735	13,83707	13,67030
44	15,38318	15,18231	14,98581	14,79358	14,60550	14,42144	14,24131	14,06499	13,89239	13,72339
45	15,45583	15,25194	15,05255	14,85756	14,66682	14,48023	14,29766	14,11902	13,94418	13,77305
46	15,52437	15,31757	15,11540	14,91774	14,72446	14,53543	14,35053	14,16965	13,99268	13,81950
47	15,58903	15,37942	15,17458	14,97435	14,77862	14,58725	14,40012	14,21711	14,03809	13,86296
48	15,65003	15,43772	15,23030	15,02761	14,82953	14,63592	14,44664	14,26158	14,08061	13,90361
49	15,70757	15,49267	15,28277	15,07772	14,87738	14,68161	14,49028	14,30326	14,12042	13,94164
50	15,76186	15,54446	15,33217	15,12485	14,92235	14,72452	14,53122	14,34233	14,15770	13,97721
51	15,81308	15,59327	15,37869	15,16919	14,96462	14,76481	14,56963	14,37894	14,19260	14,01049
52	15,86139	15,63927	15,42250	15,21091	15,00434	14,80264	14,60565	14,41325	14,22528	14,04161
53	15,90697	15,68263	15,46375	15,25015	15,04167	14,83816	14,63945	14,44541	14,25588	14,07073
54	15,94998	15,72350	15,50259	15,28706	15,07676	14,87151	14,67115	14,47555	14,28453	14,09797
55	15,99054	15,76201	15,53916	15,32179	15,10974	14,90282	14,70090	14,50379	14,31136	14,12346
56	16,02881	15,79832	15,57359	15,35446	15,14073	14,93223	14,72880	14,53026	14,33648	14,14729
57	16,06492	15,83253	15,60602	15,38519	15,16986	14,95984	14,75497	14,55507	14,36000	14,16959
58	16,09898	15,86478	15,63655	15,41410	15,19723	14,98577	14,77952	14,57833	14,38202	14,19045
59	16,13111	15,89518	15,66531	15,44130	15,22296	15,01011	14,80255	14,60012	14,40264	14,20996
60	16,16143	15,92382	15,69238	15,46689	15,24715	15,03297	14,82416	14,62054	14,42195	14,22822

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	7,00%	7,10%	7,20%	7,30%	7,40%	7,50%	7,60%	7,70%	7,80%	7,90%
1	0,93458	0,93371	0,93284	0,93197	0,93110	0,93023	0,92937	0,92851	0,92764	0,92678
2	1,80802	1,80552	1,80302	1,80053	1,79804	1,79557	1,79309	1,79063	1,78817	1,78571
3	2,62432	2,61953	2,61476	2,61000	2,60525	2,60053	2,59581	2,59111	2,58643	2,58175
4	3,38721	3,37958	3,37197	3,36440	3,35685	3,34933	3,34183	3,33437	3,32693	3,31951
5	4,10020	4,08924	4,07833	4,06747	4,05666	4,04588	4,03516	4,02448	4,01385	4,00326
6	4,76654	4,75186	4,73725	4,72271	4,70825	4,69385	4,67952	4,66526	4,65106	4,63694
7	5,38929	5,37055	5,35191	5,33338	5,31494	5,29660	5,27836	5,26022	5,24217	5,22422
8	5,97130	5,94823	5,92529	5,90249	5,87983	5,85730	5,83491	5,81265	5,79051	5,76851
9	6,51523	6,48761	6,46016	6,43289	6,40580	6,37889	6,35215	6,32558	6,29918	6,27295
10	7,02358	6,99123	6,95911	6,92721	6,89553	6,86408	6,83285	6,80183	6,77104	6,74045
11	7,49867	7,46147	7,42454	7,38789	7,35152	7,31542	7,27960	7,24404	7,20875	7,17373
12	7,94269	7,90053	7,85871	7,81723	7,77609	7,73528	7,69479	7,65464	7,61480	7,57528
13	8,35765	8,31048	8,26372	8,21737	8,17141	8,12584	8,08066	8,03587	7,99146	7,94743
14	8,74547	8,69326	8,64153	8,59028	8,53948	8,48915	8,43928	8,38986	8,34088	8,29234
15	9,10791	9,05066	8,99397	8,93782	8,88220	8,82712	8,77256	8,71853	8,66501	8,61199
16	9,44665	9,38437	9,32273	9,26171	9,20130	9,14151	9,08231	9,02370	8,96568	8,90824
17	9,76322	9,69596	9,62941	9,56357	9,49842	9,43396	9,37018	9,30706	9,24460	9,18280
18	10,05909	9,98689	9,91550	9,84489	9,77507	9,70601	9,63771	9,57016	9,50334	9,43726
19	10,33560	10,25854	10,18237	10,10708	10,03265	9,95908	9,88635	9,81445	9,74336	9,67308
20	10,59401	10,51217	10,43131	10,35142	10,27249	10,19449	10,11742	10,04127	9,96601	9,89164
21	10,83553	10,74899	10,66354	10,57914	10,49580	10,41348	10,33218	10,25187	10,17255	10,09420
22	11,06124	10,97011	10,88017	10,79137	10,70372	10,61719	10,53176	10,44742	10,36415	10,28193
23	11,27219	11,17658	11,08224	10,98917	10,89732	10,80669	10,71725	10,62899	10,54188	10,45591
24	11,46933	11,36935	11,27075	11,17350	11,07758	10,98297	10,88964	10,79758	10,70676	10,61716
25	11,65358	11,54935	11,44660	11,34529	11,24542	11,14695	11,04985	10,95411	10,85970	10,76660
26	11,82578	11,71741	11,61063	11,50540	11,40169	11,29948	11,19875	11,09945	11,00158	10,90509
27	11,98671	11,87434	11,76365	11,65461	11,54720	11,44138	11,33712	11,23440	11,13319	11,03345
28	12,13711	12,02086	11,90639	11,79367	11,68268	11,57338	11,46573	11,35971	11,25528	11,15241
29	12,27767	12,15766	12,03954	11,92328	11,80883	11,69617	11,58525	11,47605	11,36853	11,26266
30	12,40904	12,28540	12,16375	12,04406	11,92628	11,81039	11,69633	11,58408	11,47359	11,36484
31	12,53181	12,40467	12,27962	12,15663	12,03565	11,91664	11,79956	11,68438	11,57105	11,45953
32	12,64656	12,51603	12,38770	12,26153	12,13747	12,01548	11,89550	11,77751	11,66146	11,54730
33	12,75379	12,62001	12,48853	12,35930	12,23228	12,10742	11,98467	11,86398	11,74532	11,62864
34	12,85401	12,71709	12,58258	12,45042	12,32056	12,19295	12,06754	11,94427	11,82312	11,70402
35	12,94767	12,80774	12,67032	12,53534	12,40276	12,27251	12,14455	12,01883	11,89528	11,77388
36	13,03521	12,89239	12,75216	12,61449	12,47929	12,34652	12,21613	12,08805	11,96223	11,83863
37	13,11702	12,97141	12,82851	12,68824	12,55055	12,41537	12,28264	12,15232	12,02433	11,89864
38	13,19347	13,04521	12,89973	12,75698	12,61690	12,47941	12,34446	12,21199	12,08194	11,95425
39	13,26493	13,11410	12,96617	12,82105	12,67868	12,53899	12,40192	12,26740	12,13538	12,00579
40	13,33171	13,17843	13,02814	12,88075	12,73620	12,59441	12,45532	12,31885	12,18496	12,05356
41	13,39412	13,23850	13,08595	12,93640	12,78976	12,64596	12,50494	12,36662	12,23094	12,09783
42	13,45245	13,29459	13,13988	12,98825	12,83962	12,69392	12,55106	12,41098	12,27360	12,13886
43	13,50696	13,34695	13,19019	13,03658	12,88606	12,73853	12,59392	12,45216	12,31317	12,17689
44	13,55791	13,39585	13,23712	13,08162	12,92929	12,78003	12,63376	12,49040	12,34988	12,21213
45	13,60552	13,44150	13,28089	13,12360	12,96954	12,81863	12,67078	12,52591	12,38394	12,24479
46	13,65002	13,48413	13,32173	13,16272	13,00702	12,85454	12,70518	12,55887	12,41552	12,27506
47	13,69161	13,52393	13,35982	13,19918	13,04192	12,88794	12,73716	12,58948	12,44483	12,30312
48	13,73047	13,56109	13,39535	13,23316	13,07441	12,91902	12,76688	12,61790	12,47201	12,32912
49	13,76680	13,59579	13,42850	13,26483	13,10467	12,94792	12,79449	12,64429	12,49723	12,35321
50	13,80075	13,62819	13,45942	13,29434	13,13284	12,97481	12,82016	12,66880	12,52062	12,37554
51	13,83247	13,65844	13,48827	13,32185	13,15907	12,99982	12,84402	12,69155	12,54232	12,39624
52	13,86212	13,68668	13,51518	13,34748	13,18349	13,02309	12,86619	12,71267	12,56245	12,41542
53	13,88984	13,71306	13,54028	13,37137	13,20623	13,04474	12,88679	12,73228	12,58112	12,43320
54	13,91573	13,73768	13,56369	13,39364	13,22740	13,06487	12,90594	12,75050	12,59844	12,44968
55	13,93994	13,76067	13,58553	13,41439	13,24711	13,08360	12,92374	12,76741	12,61451	12,46494
56	13,96256	13,78214	13,60591	13,43372	13,26547	13,10103	12,94027	12,78311	12,62942	12,47910
57	13,98370	13,80219	13,62491	13,45175	13,28256	13,11723	12,95565	12,79769	12,64324	12,49221
58	14,00346	13,82090	13,64264	13,46854	13,29847	13,13231	12,96993	12,81122	12,65607	12,50437
59	14,02192	13,83838	13,65918	13,48420	13,31329	13,14633	12,98321	12,82379	12,66797	12,51563
60	14,03918	13,85469	13,67461	13,49878	13,32709	13,15938	12,99555	12,83546	12,67901	12,52607

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	8,00%	8,10%	8,20%	8,30%	8,40%	8,50%	8,60%	8,70%	8,80%	8,90%
1	0,92593	0,92507	0,92421	0,92336	0,92251	0,92166	0,92081	0,91996	0,91912	0,91827
2	1,78326	1,78082	1,77839	1,77596	1,77353	1,77111	1,76870	1,76630	1,76389	1,76150
3	2,57710	2,57245	2,56783	2,56321	2,55861	2,55402	2,54945	2,54489	2,54034	2,53581
4	3,31213	3,30477	3,29744	3,29013	3,28285	3,27560	3,26837	3,26117	3,25399	3,24684
5	3,99271	3,98221	3,97175	3,96134	3,95097	3,94064	3,93036	3,92012	3,90992	3,89976
6	4,62288	4,60889	4,59496	4,58111	4,56731	4,55359	4,53993	4,52633	4,51279	4,49932
7	5,20637	5,18861	5,17095	5,15338	5,13590	5,11851	5,10122	5,08402	5,06691	5,04988
8	5,74664	5,72489	5,70328	5,68179	5,66042	5,63918	5,61807	5,59707	5,57620	5,55545
9	6,24689	6,22099	6,19527	6,16970	6,14430	6,11906	6,09398	6,06906	6,04430	6,01970
10	6,71008	6,67992	6,64997	6,62022	6,59068	6,56135	6,53221	6,50328	6,47454	6,44600
11	7,13896	7,10446	7,07021	7,03622	7,00248	6,96898	6,93574	6,90274	6,86998	6,83747
12	7,53608	7,49719	7,45861	7,42033	7,38236	7,34469	7,30731	7,27023	7,23344	7,19694
13	7,90378	7,86049	7,81757	7,77501	7,73280	7,69095	7,64946	7,60831	7,56750	7,52703
14	8,24424	8,19657	8,14932	8,10250	8,05609	8,01010	7,96451	7,91933	7,87454	7,83015
15	8,55948	8,50746	8,45593	8,40489	8,35433	8,30424	8,25461	8,20545	8,15675	8,10849
16	8,85137	8,79506	8,73931	8,68411	8,62945	8,57533	8,52174	8,46868	8,41613	8,36409
17	9,12164	9,06111	9,00121	8,94193	8,88326	8,82519	8,76772	8,71083	8,65453	8,59880
18	9,37189	9,30723	9,24326	9,17999	9,11740	9,05548	8,99422	8,93361	8,87365	8,81432
19	9,60360	9,53490	9,46697	9,39981	9,33339	9,26772	9,20278	9,13856	9,07504	9,01223
20	9,81815	9,74551	9,67373	9,60278	9,53265	9,46334	9,39482	9,32710	9,26015	9,19397
21	10,01680	9,94034	9,86481	9,79019	9,71647	9,64363	9,57166	9,50055	9,43029	9,36085
22	10,20074	10,12058	10,04142	9,96324	9,88604	9,80980	9,73449	9,66012	9,58666	9,51410
23	10,37106	10,28731	10,20464	10,12303	10,04247	9,96295	9,88443	9,80692	9,73039	9,65482
24	10,52876	10,44154	10,35549	10,27057	10,18678	10,10410	10,02250	9,94197	9,86249	9,78404
25	10,67478	10,58422	10,49490	10,40681	10,31991	10,23419	10,14963	10,06621	9,98390	9,90270
26	10,80998	10,71621	10,62376	10,53260	10,44272	10,35409	10,26669	10,18050	10,09550	10,01166
27	10,93516	10,83830	10,74284	10,64876	10,55602	10,46460	10,37449	10,28565	10,19807	10,11172
28	11,05108	10,95125	10,85290	10,75601	10,66053	10,56645	10,47375	10,38238	10,29234	10,20360
29	11,15841	11,05574	10,95463	10,85504	10,75695	10,66033	10,56514	10,47137	10,37899	10,28797
30	11,25778	11,15239	11,04864	10,94648	10,84589	10,74684	10,64930	10,55324	10,45863	10,36545
31	11,34980	11,24181	11,13552	11,03091	10,92795	10,82658	10,72680	10,62856	10,53183	10,43659
32	11,43500	11,32452	11,21583	11,10888	11,00364	10,90008	10,79816	10,69785	10,59911	10,50192
33	11,51389	11,40104	11,29004	11,18087	11,07347	10,96781	10,86386	10,76159	10,66095	10,56191
34	11,58693	11,47182	11,35863	11,24734	11,13789	11,03024	10,92437	10,82023	10,71778	10,61700
35	11,65457	11,53730	11,42203	11,30871	11,19731	11,08778	10,98008	10,87417	10,77002	10,66758
36	11,71719	11,59787	11,48062	11,36539	11,25213	11,14081	11,03138	10,92380	10,81803	10,71403
37	11,77518	11,65390	11,53477	11,41772	11,30271	11,18969	11,07862	10,96946	10,86216	10,75669
38	11,82887	11,70574	11,58481	11,46604	11,34936	11,23474	11,12212	11,01146	10,90272	10,79586
39	11,87858	11,75369	11,63106	11,51065	11,39240	11,27625	11,16217	11,05010	10,94000	10,83182
40	11,92461	11,79805	11,67381	11,55185	11,43210	11,31452	11,19905	11,08565	10,97427	10,86485
41	11,96723	11,83908	11,71332	11,58989	11,46873	11,34979	11,23301	11,11836	11,00576	10,89518
42	12,00670	11,87704	11,74983	11,62501	11,50252	11,38229	11,26429	11,14844	11,03471	10,92303
43	12,04324	11,91216	11,78358	11,65744	11,53369	11,41225	11,29308	11,17612	11,06131	10,94861
44	12,07707	11,94464	11,81477	11,68739	11,56244	11,43986	11,31960	11,20158	11,08576	10,97209
45	12,10840	11,97469	11,84359	11,71504	11,58897	11,46531	11,34401	11,22501	11,10824	10,99365
46	12,13741	12,00249	11,87024	11,74057	11,61344	11,48877	11,36649	11,24656	11,12890	11,01346
47	12,16427	12,02821	11,89486	11,76415	11,63601	11,51038	11,38719	11,26638	11,14788	11,03164
48	12,18914	12,05199	11,91761	11,78592	11,65684	11,53031	11,40626	11,28462	11,16533	11,04834
49	12,21216	12,07400	11,93864	11,80602	11,67605	11,54867	11,42381	11,30140	11,18137	11,06367
50	12,23348	12,09436	11,95808	11,82458	11,69377	11,56560	11,43997	11,31683	11,19611	11,07775
51	12,25323	12,11319	11,97605	11,84172	11,71012	11,58119	11,45485	11,33103	11,20966	11,09068
52	12,27151	12,13061	11,99265	11,85754	11,72521	11,59557	11,46856	11,34410	11,22212	11,10255
53	12,28843	12,14672	12,00799	11,87215	11,73912	11,60882	11,48118	11,35611	11,23356	11,11346
54	12,30410	12,16163	12,02217	11,88564	11,75196	11,62103	11,49280	11,36717	11,24408	11,12347
55	12,31861	12,17542	12,03528	11,89810	11,76380	11,63229	11,50350	11,37734	11,25375	11,13266
56	12,33205	12,18818	12,04740	11,90960	11,77472	11,64266	11,51335	11,38670	11,26264	11,14110
57	12,34449	12,19998	12,05859	11,92023	11,78480	11,65222	11,52242	11,39531	11,27081	11,14885
58	12,35601	12,21090	12,06894	11,93003	11,79409	11,66104	11,53077	11,40323	11,27832	11,15597
59	12,36668	12,22100	12,07850	11,93909	11,80267	11,66916	11,53846	11,41051	11,28522	11,16251
60	12,37655	12,23034	12,08734	11,94745	11,81058	11,67664	11,54555	11,41721	11,29156	11,16851

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	9,00%	9,10%	9,20%	9,30%	9,40%	9,50%	9,60%	9,70%	9,80%	9,90%
1	0,91743	0,91659	0,91575	0,91491	0,91408	0,91324	0,91241	0,91158	0,91075	0,90992
2	1,75911	1,75673	1,75435	1,75198	1,74961	1,74725	1,74490	1,74255	1,74021	1,73787
3	2,53129	2,52679	2,52230	2,51782	2,51336	2,50891	2,50447	2,50005	2,49563	2,49124
4	3,23972	3,23262	3,22555	3,21850	3,21148	3,20448	3,19751	3,19056	3,18364	3,17674
5	3,88965	3,87958	3,86955	3,85956	3,84961	3,83971	3,82984	3,82002	3,81023	3,80049
6	4,48592	4,47258	4,45929	4,44608	4,43292	4,41983	4,40679	4,39382	4,38091	4,36805
7	5,03295	5,01611	4,99935	4,98269	4,96611	4,94961	4,93320	4,91688	4,90064	4,88449
8	5,53482	5,51431	5,49391	5,47364	5,45348	5,43344	5,41351	5,39369	5,37399	5,35440
9	5,99525	5,97095	5,94681	5,92282	5,89898	5,87528	5,85174	5,82834	5,80509	5,78199
10	6,41766	6,38951	6,36155	6,33378	6,30619	6,27880	6,25159	6,22456	6,19772	6,17105
11	6,80519	6,77315	6,74134	6,70977	6,67842	6,64730	6,61641	6,58574	6,55530	6,52507
12	7,16073	7,12479	7,08914	7,05377	7,01867	6,98384	6,94928	6,91499	6,88096	6,84720
13	7,48690	7,44711	7,40764	7,36850	7,32968	7,29118	7,25299	7,21512	7,17756	7,14031
14	7,78615	7,74254	7,69930	7,65645	7,61396	7,57185	7,53010	7,48872	7,44769	7,40701
15	8,06069	8,01332	7,96639	7,91990	7,87383	7,82818	7,78294	7,73812	7,69371	7,64969
16	8,31256	8,26152	8,21098	8,16093	8,11136	8,06226	8,01363	7,96547	7,91776	7,87051
17	8,54363	8,48902	8,43497	8,38145	8,32848	8,27604	8,22412	8,17272	8,12183	8,07144
18	8,75563	8,69755	8,64008	8,58322	8,52695	8,47127	8,41617	8,36164	8,30767	8,25427
19	8,95011	8,88868	8,82791	8,76781	8,70836	8,64956	8,59139	8,53385	8,47693	8,42063
20	9,12855	9,06387	8,99992	8,93670	8,87419	8,81238	8,75127	8,69084	8,63109	8,57200
21	9,29224	9,22444	9,15744	9,09121	9,02577	8,96108	8,89714	8,83395	8,77148	8,70973
22	9,44243	9,37162	9,30168	9,23258	9,16432	9,09688	9,03024	8,96440	8,89935	8,83506
23	9,58021	9,50653	9,43377	9,36192	9,29097	9,22089	9,15168	9,08332	9,01580	8,94910
24	9,70661	9,63018	9,55474	9,48026	9,40674	9,33415	9,26248	9,19172	9,12186	9,05287
25	9,82258	9,74352	9,66551	9,58853	9,51256	9,43758	9,36358	9,29054	9,21845	9,14729
26	9,92897	9,84741	9,76695	9,68758	9,60928	9,53203	9,45582	9,38062	9,30642	9,23320
27	10,02658	9,94263	9,85985	9,77821	9,69770	9,61830	9,53998	9,46273	9,38654	9,31137
28	10,11613	10,02991	9,94491	9,86112	9,77852	9,69707	9,61677	9,53759	9,45951	9,38251
29	10,19828	10,10991	10,02281	9,93698	9,85239	9,76902	9,68684	9,60582	9,52596	9,44723
30	10,27365	10,18323	10,09415	10,00639	9,91992	9,83472	9,75076	9,66803	9,58649	9,50612
31	10,34280	10,25044	10,15948	10,06989	9,98165	9,89472	9,80909	9,72473	9,64161	9,55971
32	10,40624	10,31205	10,21930	10,12799	10,03807	9,94952	9,86231	9,77641	9,69181	9,60847
33	10,46444	10,36851	10,27409	10,18114	10,08964	9,99956	9,91086	9,82353	9,73753	9,65284
34	10,51784	10,42027	10,32426	10,22977	10,13678	10,04526	9,95517	9,86648	9,77917	9,69321
35	10,56682	10,46771	10,37020	10,27427	10,17988	10,08699	9,99559	9,90564	9,81710	9,72995
36	10,61176	10,51119	10,41227	10,31497	10,21926	10,12511	10,03247	9,94133	9,85164	9,76337
37	10,65299	10,55104	10,45080	10,35222	10,25527	10,15992	10,06613	9,97386	9,88309	9,79379
38	10,69082	10,58757	10,48608	10,38629	10,28818	10,19171	10,09683	10,00352	9,91174	9,82146
39	10,72552	10,62106	10,51839	10,41747	10,31826	10,22074	10,12485	10,03056	9,93784	9,84665
40	10,75736	10,65175	10,54797	10,44599	10,34576	10,24725	10,15041	10,05520	9,96160	9,86956
41	10,78657	10,67988	10,57507	10,47209	10,37090	10,27146	10,17373	10,07767	9,98324	9,89041
42	10,81337	10,70566	10,59988	10,49596	10,39387	10,29357	10,19501	10,09815	10,00295	9,90938
43	10,83795	10,72930	10,62260	10,51781	10,41488	10,31376	10,21442	10,11682	10,02090	9,92664
44	10,86051	10,75096	10,64341	10,53779	10,43407	10,33220	10,23214	10,13384	10,03725	9,94235
45	10,88120	10,77082	10,66246	10,55608	10,45162	10,34904	10,24830	10,14935	10,05214	9,95664
46	10,90018	10,78902	10,67991	10,57281	10,46766	10,36442	10,26305	10,16349	10,06570	9,96965
47	10,91760	10,80570	10,69589	10,58811	10,48232	10,37847	10,27650	10,17638	10,07805	9,98148
48	10,93358	10,82099	10,71052	10,60211	10,49572	10,39130	10,28878	10,18813	10,08930	9,99225
49	10,94823	10,83500	10,72392	10,61493	10,50797	10,40301	10,29998	10,19884	10,09955	10,00205
50	10,96168	10,84785	10,73619	10,62665	10,51917	10,41371	10,31020	10,20861	10,10888	10,01096
51	10,97402	10,85962	10,74743	10,63737	10,52941	10,42348	10,31953	10,21751	10,11737	10,01907
52	10,98534	10,87041	10,75772	10,64718	10,53876	10,43240	10,32804	10,22562	10,12511	10,02645
53	10,99573	10,88031	10,76714	10,65616	10,54732	10,44055	10,33580	10,23302	10,13216	10,03317
54	11,00525	10,88937	10,77577	10,66437	10,55513	10,44799	10,34288	10,23976	10,13858	10,03928
55	11,01399	10,89768	10,78367	10,67189	10,56228	10,45478	10,34935	10,24591	10,14443	10,04484
56	11,02201	10,90530	10,79091	10,67876	10,56881	10,46099	10,35524	10,25151	10,14975	10,04990
57	11,02937	10,91228	10,79753	10,68505	10,57478	10,46666	10,36062	10,25662	10,15460	10,05451
58	11,03612	10,91868	10,80360	10,69081	10,58024	10,47183	10,36553	10,26128	10,15902	10,05869
59	11,04231	10,92455	10,80916	10,69607	10,58523	10,47656	10,37001	10,26552	10,16304	10,06251
60	11,04799	10,92993	10,81425	10,70089	10,58979	10,48088	10,37410	10,26939	10,16670	10,06598

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	10,00%	10,50%	11,00%	11,50%	12,00%	12,50%	13,00%	13,50%	14,00%	14,50%
1	0,90909	0,90498	0,90090	0,89686	0,89286	0,88889	0,88496	0,88106	0,87719	0,87336
2	1,73554	1,72396	1,71252	1,70122	1,69005	1,67901	1,66810	1,65732	1,64666	1,63612
3	2,48685	2,46512	2,44371	2,42262	2,40183	2,38134	2,36115	2,34125	2,32163	2,30229
4	3,16987	3,13586	3,10245	3,06961	3,03735	3,00564	2,97447	2,94383	2,91371	2,88410
5	3,79079	3,74286	3,69590	3,64988	3,60478	3,56057	3,51723	3,47474	3,43308	3,39223
6	4,35526	4,29218	4,23054	4,17029	4,11141	4,05384	3,99755	3,94250	3,88867	3,83600
7	4,86842	4,78930	4,71220	4,63704	4,56376	4,49230	4,42261	4,35463	4,28830	4,22358
8	5,33493	5,23919	5,14612	5,05564	4,96764	4,88205	4,79877	4,71774	4,63886	4,56208
9	5,75902	5,64632	5,53705	5,43106	5,32825	5,22848	5,13166	5,03765	4,94637	4,85771
10	6,14457	6,01477	5,88923	5,76777	5,65022	5,53643	5,42624	5,31952	5,21612	5,11591
11	6,49506	6,34821	6,20652	6,06975	5,93770	5,81016	5,68694	5,56786	5,45273	5,34140
12	6,81369	6,64996	6,49236	6,34058	6,19437	6,05348	5,91765	5,78666	5,66029	5,53834
13	7,10336	6,92304	6,74987	6,58348	6,42355	6,26976	6,12181	5,97943	5,84236	5,71034
14	7,36669	7,17018	6,98187	6,80133	6,62817	6,46201	6,30249	6,14928	6,00207	5,86056
15	7,60608	7,39382	7,19087	6,99671	6,81086	6,63289	6,46238	6,29893	6,14217	5,99176
16	7,82371	7,59622	7,37916	7,17194	6,97399	6,78479	6,60388	6,43077	6,26506	6,10634
17	8,02155	7,77939	7,54879	7,32909	7,11963	6,91982	6,72909	6,54694	6,37286	6,20641
18	8,20141	7,94515	7,70162	7,47004	7,24967	7,03984	6,83991	6,64928	6,46742	6,29381
19	8,36492	8,09515	7,83929	7,59644	7,36578	7,14652	6,93797	6,73946	6,55037	6,37014
20	8,51356	8,23091	7,96333	7,70982	7,46944	7,24135	7,02475	6,81890	6,62313	6,43680
21	8,64869	8,35376	8,07507	7,81149	7,56200	7,32565	7,10155	6,88890	6,68696	6,49502
22	8,77154	8,46494	8,17574	7,90269	7,64465	7,40058	7,16951	6,95057	6,74294	6,54587
23	8,88322	8,56556	8,26643	7,98447	7,71843	7,46718	7,22966	7,00491	6,79206	6,59028
24	8,98474	8,65662	8,34814	8,05782	7,78432	7,52638	7,28288	7,05279	6,83514	6,62907
25	9,07704	8,73902	8,42174	8,12361	7,84314	7,57901	7,32998	7,09497	6,87293	6,66294
26	9,16095	8,81359	8,48806	8,18261	7,89566	7,62578	7,37167	7,13213	6,90608	6,69252
27	9,23722	8,88108	8,54780	8,23552	7,94255	7,66736	7,40856	7,16487	6,93515	6,71836
28	9,30657	8,94215	8,60162	8,28298	7,98442	7,70432	7,44120	7,19372	6,96066	6,74093
29	9,36961	8,99742	8,65011	8,32554	8,02181	7,73717	7,47009	7,21914	6,98304	6,76064
30	9,42691	9,04744	8,69379	8,36371	8,05518	7,76638	7,49565	7,24153	7,00266	6,77785
31	9,47901	9,09271	8,73315	8,39795	8,08499	7,79234	7,51828	7,26126	7,01988	6,79288
32	9,52638	9,13367	8,76860	8,42866	8,11159	7,81541	7,53830	7,27864	7,03498	6,80601
33	9,56943	9,17074	8,80054	8,45619	8,13535	7,83592	7,55602	7,29396	7,04823	6,81747
34	9,60857	9,20429	8,82932	8,48089	8,15656	7,85415	7,57170	7,30745	7,05985	6,82749
35	9,64416	9,23465	8,85524	8,50304	8,17550	7,87036	7,58557	7,31934	7,07005	6,83623
36	9,67651	9,26213	8,87859	8,52291	8,19241	7,88476	7,59785	7,32982	7,07899	6,84387
37	9,70592	9,28700	8,89963	8,54072	8,20751	7,89757	7,60872	7,33904	7,08683	6,85054
38	9,73265	9,30950	8,91859	8,55670	8,22099	7,90895	7,61833	7,34718	7,09371	6,85637
39	9,75696	9,32986	8,93567	8,57103	8,23303	7,91906	7,62684	7,35434	7,09975	6,86146
40	9,77905	9,34829	8,95105	8,58389	8,24378	7,92806	7,63438	7,36065	7,10504	6,86590
41	9,79914	9,36497	8,96491	8,59541	8,25337	7,93605	7,64104	7,36621	7,10969	6,86978
42	9,81740	9,38006	8,97740	8,60575	8,26194	7,94316	7,64694	7,37111	7,11376	6,87317
43	9,83400	9,39372	8,98865	8,61502	8,26959	7,94947	7,65216	7,37543	7,11733	6,87613
44	9,84909	9,40608	8,99878	8,62334	8,27642	7,95509	7,65678	7,37923	7,12047	6,87872
45	9,86281	9,41727	9,00791	8,63080	8,28252	7,96008	7,66086	7,38258	7,12322	6,88098
46	9,87528	9,42739	9,01614	8,63749	8,28796	7,96451	7,66448	7,38554	7,12563	6,88295
47	9,88662	9,43656	9,02355	8,64349	8,29282	7,96846	7,66768	7,38814	7,12774	6,88467
48	9,89693	9,44485	9,03022	8,64887	8,29716	7,97196	7,67052	7,39043	7,12960	6,88618
49	9,90630	9,45235	9,03624	8,65369	8,30104	7,97508	7,67302	7,39245	7,13123	6,88749
50	9,91481	9,45914	9,04165	8,65802	8,30450	7,97785	7,67524	7,39423	7,13266	6,88864
51	9,92256	9,46529	9,04653	8,66190	8,30759	7,98031	7,67720	7,39580	7,13391	6,88964
52	9,92960	9,47085	9,05093	8,66538	8,31035	7,98250	7,67894	7,39718	7,13501	6,89052
53	9,93600	9,47588	9,05489	8,66850	8,31281	7,98444	7,68048	7,39839	7,13597	6,89128
54	9,94182	9,48043	9,05846	8,67130	8,31501	7,98617	7,68184	7,39947	7,13682	6,89195
55	9,94711	9,48456	9,06168	8,67382	8,31697	7,98771	7,68304	7,40041	7,13756	6,89253
56	9,95191	9,48829	9,06457	8,67607	8,31872	7,98907	7,68411	7,40124	7,13821	6,89304
57	9,95629	9,49166	9,06718	8,67809	8,32029	7,99029	7,68505	7,40198	7,13878	6,89348
58	9,96026	9,49472	9,06954	8,67990	8,32169	7,99137	7,68589	7,40262	7,13928	6,89387
59	9,96387	9,49748	9,07165	8,68152	8,32294	7,99232	7,68663	7,40319	7,13972	6,89421
60	9,96716	9,49998	9,07356	8,68298	8,32405	7,99318	7,68728	7,40369	7,14011	6,89451

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	15,00%	15,50%	16,00%	16,50%	17,00%	17,50%	18,00%	18,50%	19,00%	19,50%
1	0,86957	0,86580	0,86207	0,85837	0,85470	0,85106	0,84746	0,84388	0,84034	0,83682
2	1,62571	1,61541	1,60523	1,59517	1,58521	1,57537	1,56564	1,55602	1,54650	1,53709
3	2,28323	2,26443	2,24589	2,22761	2,20958	2,19181	2,17427	2,15698	2,13992	2,12309
4	2,85498	2,82634	2,79818	2,77048	2,74324	2,71643	2,69006	2,66412	2,63859	2,61346
5	3,35216	3,31285	3,27429	3,23646	3,19935	3,16292	3,12717	3,09208	3,05763	3,02382
6	3,78448	3,73407	3,68474	3,63645	3,58918	3,54291	3,49760	3,45323	3,40978	3,36721
7	4,16042	4,09876	4,03857	3,97979	3,92238	3,86631	3,81153	3,75800	3,70570	3,65457
8	4,48732	4,41451	4,34359	4,27449	4,20716	4,14154	4,07757	4,01519	3,95437	3,89504
9	4,77158	4,68789	4,60654	4,52746	4,45057	4,37578	4,30302	4,23223	4,16333	4,09627
10	5,01877	4,92458	4,83323	4,74460	4,65860	4,57513	4,49409	4,41538	4,33893	4,26466
11	5,23371	5,12951	5,02864	4,93099	4,83641	4,74479	4,65601	4,56994	4,48650	4,40557
12	5,42062	5,30693	5,19711	5,09098	4,98839	4,88918	4,79322	4,70037	4,61050	4,52349
13	5,58315	5,46055	5,34233	5,22831	5,11828	5,01207	4,90951	4,81044	4,71471	4,62217
14	5,72448	5,59355	5,46753	5,34619	5,22930	5,11666	5,00806	4,90333	4,80228	4,70474
15	5,84737	5,70870	5,57546	5,44737	5,32419	5,20567	5,09158	4,98171	4,87586	4,77384
16	5,95423	5,80840	5,66850	5,53422	5,40529	5,28142	5,16235	5,04786	4,93770	4,83167
17	6,04716	5,89472	5,74870	5,60878	5,47461	5,34589	5,22233	5,10368	4,98966	4,88006
18	6,12797	5,96945	5,81785	5,67277	5,53385	5,40075	5,27316	5,15078	5,03333	4,92055
19	6,19823	6,03416	5,87746	5,72770	5,58449	5,44745	5,31624	5,19053	5,07003	4,95443
20	6,25933	6,09018	5,92884	5,77485	5,62777	5,48719	5,35275	5,22408	5,10086	4,98279
21	6,31246	6,13868	5,97314	5,81532	5,66476	5,52101	5,38368	5,25239	5,12677	5,00652
22	6,35866	6,18068	6,01133	5,85006	5,69637	5,54980	5,40990	5,27628	5,14855	5,02638
23	6,39884	6,21704	6,04425	5,87988	5,72340	5,57430	5,43212	5,29644	5,16685	5,04299
24	6,43377	6,24852	6,07263	5,90548	5,74649	5,59515	5,45095	5,31345	5,18223	5,05690
25	6,46415	6,27577	6,09709	5,92745	5,76623	5,61289	5,46691	5,32780	5,19515	5,06853
26	6,49056	6,29937	6,11818	5,94631	5,78311	5,62799	5,48043	5,33992	5,20601	5,07827
27	6,51353	6,31980	6,13636	5,96250	5,79753	5,64084	5,49189	5,35014	5,21513	5,08642
28	6,53351	6,33749	6,15204	5,97639	5,80985	5,65178	5,50160	5,35877	5,22280	5,09324
29	6,55088	6,35281	6,16555	5,98832	5,82039	5,66109	5,50983	5,36605	5,22924	5,09894
30	6,56598	6,36607	6,17720	5,99856	5,82939	5,66901	5,51681	5,37219	5,23466	5,10372
31	6,57911	6,37755	6,18724	6,00734	5,83709	5,67576	5,52272	5,37738	5,23921	5,10771
32	6,59053	6,38749	6,19590	6,01489	5,84366	5,68150	5,52773	5,38175	5,24303	5,11106
33	6,60046	6,39609	6,20336	6,02136	5,84928	5,68638	5,53197	5,38545	5,24625	5,11386
34	6,60910	6,40354	6,20979	6,02692	5,85409	5,69054	5,53557	5,38856	5,24895	5,11620
35	6,61661	6,40999	6,21534	6,03169	5,85820	5,69407	5,53862	5,39119	5,25122	5,11816
36	6,62314	6,41558	6,22012	6,03579	5,86171	5,69708	5,54120	5,39341	5,25312	5,11980
37	6,62881	6,42041	6,22424	6,03930	5,86471	5,69965	5,54339	5,39528	5,25472	5,12117
38	6,63375	6,42460	6,22779	6,04232	5,86727	5,70183	5,54525	5,39686	5,25607	5,12232
39	6,63805	6,42823	6,23086	6,04491	5,86946	5,70368	5,54682	5,39820	5,25720	5,12328
40	6,64178	6,43136	6,23350	6,04713	5,87133	5,70526	5,54815	5,39932	5,25815	5,12408
41	6,64502	6,43408	6,23577	6,04904	5,87294	5,70660	5,54928	5,40027	5,25895	5,12475
42	6,64785	6,43643	6,23774	6,05068	5,87430	5,70775	5,55024	5,40107	5,25962	5,12532
43	6,65030	6,43847	6,23943	6,05208	5,87547	5,70872	5,55105	5,40175	5,26019	5,12579
44	6,65244	6,44024	6,24089	6,05329	5,87647	5,70955	5,55174	5,40232	5,26066	5,12618
45	6,65429	6,44176	6,24214	6,05433	5,87733	5,71026	5,55232	5,40280	5,26106	5,12651
46	6,65591	6,44308	6,24323	6,05522	5,87806	5,71086	5,55281	5,40321	5,26140	5,12679
47	6,65731	6,44423	6,24416	6,05598	5,87868	5,71137	5,55323	5,40355	5,26168	5,12702
48	6,65853	6,44522	6,24497	6,05664	5,87922	5,71180	5,55359	5,40384	5,26191	5,12721
49	6,65959	6,44608	6,24566	6,05720	5,87967	5,71217	5,55389	5,40409	5,26211	5,12738
50	6,66051	6,44682	6,24626	6,05768	5,88006	5,71249	5,55414	5,40429	5,26228	5,12751
51	6,66132	6,44746	6,24678	6,05809	5,88039	5,71275	5,55436	5,40447	5,26242	5,12762
52	6,66201	6,44802	6,24722	6,05845	5,88068	5,71298	5,55454	5,40461	5,26254	5,12772
53	6,66262	6,44850	6,24760	6,05876	5,88092	5,71318	5,55469	5,40474	5,26264	5,12780
54	6,66315	6,44892	6,24793	6,05902	5,88113	5,71334	5,55483	5,40484	5,26272	5,12786
55	6,66361	6,44928	6,24822	6,05924	5,88131	5,71348	5,55494	5,40493	5,26279	5,12792
56	6,66401	6,44959	6,24846	6,05944	5,88146	5,71360	5,55503	5,40500	5,26285	5,12797
57	6,66435	6,44987	6,24868	6,05960	5,88159	5,71370	5,55511	5,40507	5,26290	5,12801
58	6,66466	6,45010	6,24886	6,05974	5,88170	5,71379	5,55518	5,40512	5,26294	5,12804
59	6,66492	6,45030	6,24902	6,05987	5,88180	5,71386	5,55524	5,40516	5,26297	5,12807
60	6,66515	6,45048	6,24915	6,05997	5,88188	5,71393	5,55529	5,40520	5,26300	5,12809

FATOR DE VALOR ATUAL (FVA) PARCELAMENTO COM JUROS COMPOSTOS
[(1+i)ⁿ –1] / [(1+i)ⁿ . i]
n	20,00%	21,00%	22,00%	23,00%	24,00%	25,00%	26,00%	27,00%	28,00%	29,00%
1	0,83333	0,82645	0,81967	0,81301	0,80645	0,80000	0,79365	0,78740	0,78125	0,77519
2	1,52778	1,50946	1,49153	1,47399	1,45682	1,44000	1,42353	1,40740	1,39160	1,37612
3	2,10648	2,07393	2,04224	2,01137	1,98130	1,95200	1,92344	1,89559	1,86844	1,84195
4	2,58873	2,54044	2,49364	2,44827	2,40428	2,36160	2,32019	2,27999	2,24097	2,20306
5	2,99061	2,92598	2,86364	2,80347	2,74538	2,68928	2,63507	2,58267	2,53201	2,48300
6	3,32551	3,24462	3,16692	3,09225	3,02047	2,95142	2,88498	2,82100	2,75938	2,70000
7	3,60459	3,50795	3,41551	3,32704	3,24232	3,16114	3,08331	3,00866	2,93702	2,86821
8	3,83716	3,72558	3,61927	3,51792	3,42122	3,32891	3,24073	3,15643	3,07579	2,99862
9	4,03097	3,90543	3,78628	3,67310	3,56550	3,46313	3,36566	3,27278	3,18421	3,09970
10	4,19247	4,05408	3,92318	3,79927	3,68186	3,57050	3,46481	3,36439	3,26892	3,17806
11	4,32706	4,17692	4,03540	3,90185	3,77569	3,65640	3,54350	3,43653	3,33509	3,23881
12	4,43922	4,27845	4,12737	3,98524	3,85136	3,72512	3,60595	3,49333	3,38679	3,28590
13	4,53268	4,36235	4,20277	4,05304	3,91239	3,78010	3,65552	3,53806	3,42718	3,32240
14	4,61057	4,43170	4,26456	4,10816	3,96160	3,82408	3,69485	3,57327	3,45873	3,35070
15	4,67547	4,48901	4,31522	4,15298	4,00129	3,85926	3,72607	3,60100	3,48339	3,37264
16	4,72956	4,53637	4,35673	4,18941	4,03330	3,88741	3,75085	3,62284	3,50265	3,38964
17	4,77463	4,57551	4,39077	4,21904	4,05911	3,90993	3,77052	3,64003	3,51769	3,40282
18	4,81219	4,60786	4,41866	4,24312	4,07993	3,92794	3,78613	3,65357	3,52945	3,41304
19	4,84350	4,63460	4,44152	4,26270	4,09672	3,94235	3,79851	3,66422	3,53863	3,42096
20	4,86958	4,65669	4,46027	4,27862	4,11026	3,95388	3,80834	3,67262	3,54580	3,42710
21	4,89132	4,67495	4,47563	4,29156	4,12117	3,96311	3,81615	3,67923	3,55141	3,43186
22	4,90943	4,69004	4,48822	4,30208	4,12998	3,97049	3,82234	3,68443	3,55579	3,43555
23	4,92453	4,70251	4,49854	4,31063	4,13708	3,97639	3,82725	3,68853	3,55921	3,43841
24	4,93710	4,71282	4,50700	4,31759	4,14281	3,98111	3,83115	3,69175	3,56188	3,44063
25	4,94759	4,72134	4,51393	4,32324	4,14742	3,98489	3,83425	3,69429	3,56397	3,44235
26	4,95632	4,72838	4,51962	4,32784	4,15115	3,98791	3,83670	3,69630	3,56560	3,44368
27	4,96360	4,73420	4,52428	4,33158	4,15415	3,99033	3,83865	3,69787	3,56688	3,44471
28	4,96967	4,73901	4,52810	4,33462	4,15657	3,99226	3,84020	3,69911	3,56787	3,44551
29	4,97472	4,74298	4,53123	4,33709	4,15853	3,99381	3,84143	3,70009	3,56865	3,44614
30	4,97894	4,74627	4,53379	4,33909	4,16010	3,99505	3,84240	3,70086	3,56926	3,44662
31	4,98245	4,74898	4,53590	4,34073	4,16137	3,99604	3,84318	3,70146	3,56973	3,44699
32	4,98537	4,75122	4,53762	4,34205	4,16240	3,99683	3,84379	3,70194	3,57010	3,44728
33	4,98781	4,75308	4,53903	4,34313	4,16322	3,99746	3,84428	3,70231	3,57039	3,44750
34	4,98984	4,75461	4,54019	4,34401	4,16389	3,99797	3,84467	3,70261	3,57062	3,44768
35	4,99154	4,75588	4,54114	4,34472	4,16443	3,99838	3,84497	3,70284	3,57080	3,44781
36	4,99295	4,75692	4,54192	4,34530	4,16486	3,99870	3,84522	3,70302	3,57094	3,44792
37	4,99412	4,75779	4,54256	4,34578	4,16521	3,99896	3,84541	3,70317	3,57104	3,44800
38	4,99510	4,75850	4,54308	4,34616	4,16549	3,99917	3,84556	3,70328	3,57113	3,44806
39	4,99592	4,75909	4,54351	4,34647	4,16572	3,99934	3,84569	3,70337	3,57119	3,44811
40	4,99660	4,75958	4,54386	4,34672	4,16590	3,99947	3,84578	3,70344	3,57124	3,44815
41	4,99717	4,75998	4,54415	4,34693	4,16605	3,99957	3,84586	3,70350	3,57128	3,44818
42	4,99764	4,76032	4,54438	4,34710	4,16617	3,99966	3,84592	3,70354	3,57132	3,44820
43	4,99803	4,76059	4,54458	4,34723	4,16627	3,99973	3,84597	3,70358	3,57134	3,44822
44	4,99836	4,76082	4,54473	4,34734	4,16634	3,99978	3,84601	3,70360	3,57136	3,44823
45	4,99863	4,76101	4,54486	4,34743	4,16641	3,99983	3,84604	3,70362	3,57138	3,44824
46	4,99886	4,76116	4,54497	4,34751	4,16646	3,99986	3,84606	3,70364	3,57139	3,44825
47	4,99905	4,76129	4,54506	4,34757	4,16650	3,99989	3,84608	3,70365	3,57140	3,44825
48	4,99921	4,76140	4,54513	4,34762	4,16653	3,99991	3,84610	3,70367	3,57140	3,44826
49	4,99934	4,76149	4,54519	4,34766	4,16656	3,99993	3,84611	3,70367	3,57141	3,44826
50	4,99945	4,76156	4,54524	4,34769	4,16658	3,99994	3,84612	3,70368	3,57141	3,44827
51	4,99954	4,76162	4,54528	4,34771	4,16660	3,99995	3,84612	3,70368	3,57142	3,44827
52	4,99962	4,76167	4,54531	4,34773	4,16661	3,99996	3,84613	3,70369	3,57142	3,44827
53	4,99968	4,76171	4,54533	4,34775	4,16662	3,99997	3,84614	3,70369	3,57142	3,44827
54	4,99974	4,76174	4,54536	4,34777	4,16663	3,99998	3,84614	3,70369	3,57142	3,44827
55	4,99978	4,76177	4,54537	4,34778	4,16664	3,99998	3,84614	3,70370	3,57142	3,44827
56	4,99982	4,76179	4,54539	4,34779	4,16664	3,99999	3,84614	3,70370	3,57143	3,44827
57	4,99985	4,76181	4,54540	4,34779	4,16665	3,99999	3,84615	3,70370	3,57143	3,44827
58	4,99987	4,76183	4,54541	4,34780	4,16665	3,99999	3,84615	3,70370	3,57143	3,44827
59	4,99989	4,76184	4,54542	4,34780	4,16665	3,99999	3,84615	3,70370	3,57143	3,44827
60	4,99991	4,76185	4,54542	4,34781	4,16666	3,99999	3,84615	3,70370	3,57143	3,44828