Ferramentas financeiras grátis online
Use calculadoras financeiras grátis online, rápidas e privadas, para planejar orçamento, juros, parcelas, patrimônio líquido e metas de economia com fórmulas claras e resultados imediatos.
Todas Ferramentas financeiras
Calculadora de juros compostos
Projete crescimento de investimentos com aportes, taxa e periodo
Calculadora de juros simples
Calcule juros simples sobre capital, taxa e periodo de forma rapida
Calculadora de parcela de emprestimo
Estime a parcela mensal de um emprestimo com valor, taxa e prazo
Calculadora de tabela de amortizacao
Veja parcela, juros e saldo devedor ao longo do financiamento
Calculadora basica de financiamento imobiliario
Simule prestacoes de imovel com entrada, prazo e taxa de juros
Calculadora de meta de poupanca
Descubra quanto guardar por periodo para atingir um objetivo financeiro
Calculadora de valor presente e valor futuro
Converta um valor de hoje para o futuro ou traga um valor futuro para o presente
Calculadora de inflacao
Compare poder de compra entre datas usando uma taxa de inflacao informada
Calculadora de ponto de equilibrio
Descubra quantas vendas voce precisa para cobrir custos fixos e variaveis
Calculadora de patrimonio liquido
Some ativos e passivos para acompanhar seu patrimonio liquido
Calculadora de divisao de orcamento
Divida renda entre categorias como necessidades, desejos e poupanca
Calculadora de salario para valor por hora
Converta salario mensal ou anual em valor por hora trabalhada
Visualizador de financas pessoais
Organize receitas, gastos e categorias para enxergar melhor seu dinheiro
Overview
Financial planning depends on clear assumptions and consistent formulas. This catalog gives you precise calculators for interest, loans, budgets, net worth, and salary conversions so you can plan with confidence. All outputs are deterministic and client-side, which keeps personal data private.
Financial decisions need clarity
Borrowing, saving, and budgeting all rely on assumptions about rates, timelines, and cash flow. Without clear calculators, it is easy to misinterpret costs or underestimate risk.
Comparing scenarios across different tools can lead to inconsistent results, especially when compounding and amortization rules differ. Standardized formulas reduce confusion and improve decision-making.
Sensitive data should remain private. Client-side financial tools allow you to model scenarios without sending data to external servers.
Catalog Breakdown
Interest and growth
Understand how money grows over time with simple and compound calculations.
- Compare simple vs compound interest
- Estimate future value of savings
- Model inflation-adjusted value
Loans and repayment
Calculate payments, schedules, and total cost of borrowing.
- Plan monthly loan payments
- Review amortization schedules
- Estimate mortgage payments
Budgeting and net worth
Track income, expenses, and overall financial health.
- Split budgets by rule
- Calculate net worth quickly
- Compare salary to hourly pay
Business planning
Support operational decisions with break-even and savings goals.
- Estimate break-even points
- Plan savings targets
- Project timelines for goals
How to Use These Tools
Choose the scenario type
Select whether you are planning a loan, savings goal, or budget split.
Enter the core inputs
Provide principal, rate, timeframe, and any recurring contributions.
Review the calculated outputs
Inspect totals, payment schedules, and projected balances.
Compare multiple scenarios
Adjust rates or timelines to understand sensitivity.
Document assumptions
Record the inputs and rate sources for future reference.
Use results for planning
Translate outputs into budgets, timelines, or proposals.
Use Cases
Personal budgeting
Align spending categories with clear monthly targets.
Loan comparisons
Evaluate different interest rates and repayment terms.
Savings planning
Estimate how long it takes to reach a goal.
Compensation analysis
Convert annual salaries to hourly rates for contracts.
Business forecasting
Estimate break-even points for new products.
Inflation awareness
Adjust future value estimates for purchasing power.
Professional Applications
Financial advising
Explain outcomes with transparent, client-friendly calculations.
Operations finance
Model budget splits and performance assumptions.
HR and compensation
Translate pay structures for contractors or internal planning.
Small business owners
Plan savings and break-even benchmarks.
Education
Teach financial literacy with simple calculators.
Best Practices
- Document assumptions for rates and timeframes.
- Compare multiple scenarios to understand risk.
- Use conservative estimates for planning buffers.
- Separate personal and business calculations for clarity.
- Update inputs when market rates change.
- Pair loan results with real contract terms before committing.
- Export and archive results for audits or team review.
FAQs
Are these tools financial advice?
No. They provide mathematical estimates based on your inputs.
Do you store my financial data?
No. Calculations run locally and are not saved.
What formulas are used?
Standard formulas for interest, amortization, and budgeting are applied.
Can I compare multiple loan offers?
Yes. Adjust the rate and term to evaluate differences.
Do results include taxes or fees?
No. You should add taxes and fees manually if needed.
Is inflation included?
Use the inflation calculator to model changes in purchasing power.
Are these calculations exact?
They are deterministic but depend on your inputs and assumptions.
Can I use these for business planning?
Yes. They are useful for preliminary scenarios and estimates.