Financial Goals Calculator
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
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About this tool
Calcule quanto precisa poupar por mês para alcançar uma meta financeira num prazo específico, considerando juros compostos sobre o montante aportado.
Use a fórmula de valor futuro de série de pagamentos. Ajuste a taxa de juros conforme seu investimento (Tesouro Selic ≈ 100% CDI, poupança ≈ 70% CDI, CDB 110% CDI, etc).
Frequently asked questions
Qual taxa de juros usar?
Para investimentos conservadores, use a taxa atual do CDI (~12% a.a.) ou Selic. Para inflação considerada, use a taxa real (CDI − IPCA).
Posso modelar IPCA?
Sim, basta usar a taxa real (juros menos inflação) em vez da nominal para manter o poder de compra da meta.
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Investment disclaimer
Simulations are informational and based on publicly available rate tables. They do not constitute investment advice, a securities offering or regulated financial consulting under SEC and FINRA rules (US) or MiFID II and ESMA guidelines (EU). Past performance does not guarantee future returns. Consult a licensed financial professional (CFP, CFA, RIA in the US; MiFID-authorized adviser in the EU) or your bank before making final decisions.
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