Finanças

Calculadora de Empréstimo Empresarial

Estimate payments, total interest, and amortization for a business loan.

Calculadora de Avaliação Empresarial

Estimate business value via revenue multiple, EBITDA, book value, or DCF.

Calculadora de Orçamento Empresarial

Roll up monthly income and expenses across categories.

Calculadora de Custo de Mão de Obra

Fully-loaded labor cost including benefits and payroll taxes.

Calculadora de Homem-Hora

Total man-hours from workers × hours × days.

Calculadora de Comissão de Vendas

Compute commission across flat, tiered, or base+commission structures.

Calculadora de Burn Rate

Monthly burn and cash runway from expenses and revenue.

Calculadora de Taxa de Churn

Customer and revenue churn with average customer lifetime.

Custo de Aquisição de Cliente

CAC plus LTV:CAC ratio for unit-economics sanity.

Calculadora de Taxa de Conversão

Conversions ÷ visitors, with benchmarks and reverse mode.

Calculadora de Taxa de Rejeição

Single-page sessions ÷ total sessions.

Calculadora CTR

Clicks ÷ impressions, with channel benchmarks.

Calculadora CPM

Solve any of CPM, cost, or impressions given the others.

Calculadora CPC/CPM

Clicks, impressions, and estimated conversions for an ad budget.

Calculadora CPA

Ad spend ÷ conversions.

Calculadora ROAS

Revenue ÷ ad spend, with break-even benchmark.

Calculadora do AdSense

Estimate AdSense earnings from pageviews, CTR, and CPC.

Calculadora de Dinheiro do YouTube

Estimate YouTube earnings from views and RPM.

Calculadora de Receita Publicitária

Monthly ad revenue from pageviews, RPM by niche, and fill rate.

Calculadora de Período de Payback

Years to recover an investment from cash inflows.

Calculadora de Taxa de Attrition

Employees lost ÷ employees at start.

Calculadora de Taxa de Rotatividade

Separations ÷ average headcount, with replacement cost.

Calculadora de Margem de Contribuição

Per-unit and total CM, with break-even units.

Calculadora de CMV

Cost of goods sold from beginning + purchases − ending inventory.

Custo Fixo Médio

Total fixed costs spread over quantity produced.

Calculadora de FTE

Full-time equivalents from part-time hours.

Calculadora FIFO

COGS and ending inventory under FIFO accounting.

Calculadora GMROI

Gross margin return on inventory investment.

Calculadora HHI

Herfindahl-Hirschman Index from up to 8 market shares.

Calculadora de Custos de Startup

One-time + ongoing × runway months.

Calculadora de Custo de Funcionário

Total annual employee cost: salary, benefits, payroll tax, overhead.

Taxa de Receita Anualizada

Annualize revenue from a partial period.

Calculadora de Participação de Mercado

Company revenue ÷ total market size.

Calculadora de Preço Unitário

Cost per unit, suggested retail, and bulk-discount table.

Calculadora de Custo por Lead

Marketing spend ÷ leads, with channel benchmarks.

Calculadora de Taxa de Abertura de Email

Open rate, click rate, and CTOR with benchmarks.

Calculadora do Fator Bradford

HR absence-pattern score: S² × D.

Calculadora de Honorários de Consultoria

Daily and hourly rate needed to hit a target take-home.

Calculadora LTV SaaS

Lifetime value from ARPA, margin, and monthly churn.

Calculadora de Métricas SaaS

Net MRR churn, NRR, ARPU, ARR — the core SaaS dashboard.

Taxa de Sell-Through

Units sold ÷ units received.

Calculadora de Tarifa de Influenciador

Estimate sponsored content rates by platform and following.

Calculadora EVM

SV, CV, SPI, CPI, EAC from PV, EV, AC.

Calculadora EMV

Probability-weighted decision outcomes across scenarios.

Calculadora de Juros Compostos

Future value with compounding and optional regular contributions.

Calculadora de Juros Simples

Interest earned with no compounding, plus a compound comparison.

Calculadora de Taxa de Juros

Solve for rate given principal, interest, and time.

Calculadora de Investimento

Lump sum + monthly contributions projected forward.

Calculadora CAGR

Compound annual growth rate from beginning and ending values.

Calculadora de VPL

Net present value across up to 8 cash-flow years.

Calculadora de TIR

Internal rate of return via Newton-Raphson iteration.

Calculadora de Valor Presente

Discount a future value back to today.

Calculadora de Valor Futuro

Grow a present amount forward, with or without contributions.

Calculadora APY

Convert APR to APY at any compounding frequency.

Calculadora APR

Back-solve APR from a loan amount, payment, and term.

Calculadora de Taxa de Retorno

Simple and annualized return with optional income.

Calculadora de Crescimento Composto

Generalized compound growth for any metric (users, revenue, etc.).

Juros Compostos Contínuos

A = P × eʳᵗ — the limit of frequent compounding.

Calculadora DCF

Enterprise value from FCFs, terminal growth, and WACC.

Calculadora de Taxa de Desconto

Solve for the rate that bridges PV and FV.

Calculadora EAR

Convert a nominal rate to EAR.

Calculadora de Taxa de Despesas

Dollar cost of fund fees over time.

Retorno do Período de Detenção

Total return including income over a holding period.

Calculadora de Custo de Oportunidade

Difference in future value between two investment options.

Calculadora de CDB

Maturity value of a CD with chosen APY and term.

Calculadora da Regra de 72

Doubling time from a rate, or required rate from a doubling time.

Taxa de Retorno Anualizada

Convert a holding-period return to an annualized rate.

Calculadora de Valorização

Total and annual appreciation, with optional real-value adjustment.

Calculadora de Pontos-Base

Convert between basis points and percentages.

Calculadora de Índice de Sharpe

Risk-adjusted return: excess return ÷ standard deviation.

Valor do Dinheiro no Tempo

Solve for PV, FV, rate, periods, or payment given the other four.

Calculadora de Lucro Cripto

Profit/loss including buy and sell fees.

Calculadora de Lucro Bitcoin

Profit/loss for a Bitcoin trade with fees.

Custo Médio do Dólar

DCA outcomes at fixed or varying prices.

Retorno Ajustado pela Inflação

Real (post-inflation) return using the Fisher equation.

Calculadora de Retorno de Portfólio

Weighted average return across up to 6 holdings.

Calculadora DRIP

Project portfolio growth from dividend reinvestment.

Calculadora de Ações

Profit, ROI, and break-even for a stock trade with commissions.

Calculadora de Média de Ações

Weighted average cost from up to 5 purchase lots.

Calculadora de Desdobramento de Ações

New share count and adjusted price after a split.

Calculadora de Dividendos

Annual dividend income (before and after tax) plus yield on cost.

Calculadora de Dividend Yield

Yield = annual dividend ÷ price, with optional forward yield.

Taxa de Distribuição de Dividendos

Dividends ÷ earnings — sustainability check.

Calculadora de LPA

Basic and diluted earnings per share.

Calculadora de Índice P/L

Price-to-earnings ratio with earnings yield.

Calculadora de Capitalização de Mercado

Shares × price, with size classification.

Calculadora CAPM

Required return from risk-free rate, beta, and market return.

Calculadora WACC

Weighted average cost of capital from equity, debt, and tax rate.

Calculadora ROE

Net income ÷ equity, with optional DuPont breakdown.

Calculadora ROA

Net income ÷ total assets.

Calculadora do Número de Graham

Benjamin Graham's fair-value estimate for a defensive investor.

Calculadora de Valor Intrínseco

Fair-value estimates via DDM, Graham, or P/E methods.

Calculadora de Preço de Título

Price = PV of coupons + PV of face value.

Calculadora de Rendimento de Título

YTM and current yield from price, face, coupon, and maturity.

Calculadora YTM de Título

Yield to maturity and yield to call.

Calculadora de Taxa de Cupom

Coupon rate from annual payment and face value.

Calculadora de Dívida/Patrimônio

Total liabilities ÷ shareholders' equity.

Índice de Cobertura de Juros

EBIT ÷ interest expense.

Calculadora de Liquidez Seca

Liquid assets ÷ current liabilities.

Calculadora Black-Scholes

Call/put prices and Greeks for European options.

Calculadora de Opção de Compra

Break-even and payoff for a long call at various stock prices.

Calculadora de Chamada de Margem

Price at which a maintenance margin call is triggered.

Calculadora de Imposto sobre Vendas

Add tax to a price or remove it from a tax-inclusive total.

Calculadora de IVA

Add or remove VAT at any rate.

Calculadora de Imposto de Renda

Bracket-by-bracket tax on US federal income.

Calculadora de Imposto sobre Ganho de Capital

Short-term vs long-term capital gains tax with NIIT.

Calculadora de Salário

Convert salary across hourly, weekly, monthly, and annual.

Calculadora de Bruto para Líquido

Net take-home pay after federal, state, FICA, and deductions.

Calculadora de Líquido para Bruto

Required gross for a target take-home.

Calculadora de Aumento Salarial

New salary, change, and 5-year earnings impact.

Calculadora de Horas Faturáveis

Utilization and revenue from billable vs total hours.

Calculadora de Hora e Meia

Regular plus overtime pay at 1.5× or 2×.

Calculadora de Imposto de Loteria

Lump sum vs annuity after federal and state tax.

Calculadora de Capacidade de Compra de Imóvel

How much house you can afford under 28/36 DTI rules.

Amortização Hipotecária

Monthly payment plus full amortization summary.

Refinanciamento Hipotecário

Monthly savings and break-even months from refinancing.

Calculadora LTV

LTV ratio and PMI threshold.

Calculadora PMI

Monthly PMI and the month it drops off.

Calculadora de Cap Rate

NOI ÷ property value.

Calculadora de Imóvel para Aluguel

Cash flow, cap rate, cash-on-cash return.

Calculadora Alugar ou Comprar

Net worth comparison over a horizon.

Calculadora de Custos de Fechamento

Buyer or seller closing cost range with line items.

Calculadora de Poupança

Future savings balance with regular contributions.

Calculadora de Meta de Poupança

Monthly amount needed to hit a savings target by a date.

Calculadora de Fundo de Emergência

Target fund size from monthly essentials.

Calculadora de Financiamento de Veículo

Vehicle financing monthly payment and true cost.

Calculadora FIRE

Years to financial independence at a safe withdrawal rate.

Calculadora da Regra 50-30-20

Allocate take-home pay across needs, wants, and savings.

Calculadora Bola de Neve de Dívida

Pay off smallest balances first; roll payments forward.

Calculadora Avalanche de Dívida

Pay off highest interest rate first — mathematically optimal.

Quitação de Cartão de Crédito

Months to pay off + total interest at a fixed payment.

Calculadora de Aposentadoria

Nest egg target plus how long it lasts.

Calculadora 401(k)

Future 401(k) balance including employer match.

Calculadora Roth IRA

Compare tax-free Roth growth vs Traditional tax-deferred.

Calculadora de Empréstimo

Standard amortizing loan: payment, interest, total.

Calculadora de Amortização

Loan payoff with optional extra payments.

Calculadora de Empréstimo Estudantil

Standard, extended, and income-driven plan comparison.

Relação Dívida/Renda

Front-end and back-end DTI ratios with lender thresholds.

Calculadora de Margem

Margin and markup from cost and selling price.

Calculadora de Markup

Selling price from cost + markup percentage.

Calculadora de Desconto Percentual

Discount amount and final price.

Calculadora de Comissão

Commission earned on sales — flat or tiered.

Calculadora de Taxa PayPal

Net amount received after PayPal fees.

Calculadora de Taxa Etsy

Listing, transaction, and processing fees on an Etsy sale.

Calculadora Amazon FBA

Referral + fulfillment fees on an Amazon FBA sale.

Calculadora de Taxa Stripe

Net received after Stripe processing fees.

Calculadora de Lucro por Item

Net profit per sale after all costs and fees.

Calculadora EBITDA

Earnings before interest, taxes, depreciation, and amortization.

Calculadora de Margem Bruta

Gross profit and margin from revenue and COGS.

Calculadora de Depreciação

Straight-line, double-declining, or sum-of-years depreciation.

Calculadora de Capital de Giro

Current assets minus current liabilities.

Calculadora de Giro de Estoque

COGS ÷ average inventory; days of inventory.

Calculadora de Custo Marginal

Cost of producing one additional unit.

Calculadora EOQ

Optimal order size that minimizes inventory cost.

Elasticidade-preço da Demanda

%ΔQ ÷ %ΔP — how sensitive demand is to price.

Calculadora de Fluxo de Caixa Livre

FCF = operating cash flow − capital expenditures.

Calculadora de Crescimento de Receita

Period-over-period growth (QoQ, YoY, MoM).

Calculadora de Inflação

Adjust a dollar amount across years using CPI.

Calculadora de PIB

GDP = C + I + G + (X − M).

Calculadora de Desemprego

Unemployed ÷ labor force × 100.

Calculadora de Inflação IPC

Compute a CPI from basket costs, plus the period inflation rate.

Taxa de Crescimento Composto

Annualized growth rate between two endpoints.

Calculadora do Multiplicador Monetário

1 ÷ reserve ratio — banking money creation.

Calculadora de Taxa de Juros Real

Fisher equation: real = (1+nominal)/(1+inflation) − 1.

Calculadora da Regra de Taylor

Suggested fed funds rate from inflation and output gap.

Calculadora de Tarifas Trump

Tariff owed and consumer pass-through estimate.

Calculadora de EMI

Equated Monthly Installment for any loan.

Calculadora SIP

Future value of a Systematic Investment Plan.

Calculadora PPF

Maturity value of a Public Provident Fund account.

Calculadora de Impostos do Reino Unido

Income tax, National Insurance, and net take-home for England/Wales/NI.

Imposto de Selo do Reino Unido

Stamp duty for first-time buyers, home movers, and additional properties.

Calculadora de Zakat

2.5% Zakat on zakatable wealth above nisab.

Taxa de Câmbio Cruzada

Derive A/C from A/B and B/C rates.

Retração de Fibonacci

Standard Fibonacci support/resistance levels.

Calculadora de Incapacidade VA

VA 'whole person' combined rating across multiple conditions.

Calculadora NPS

Corpus, lump sum, and monthly pension at retirement.

Calculadora RMD

Annual minimum withdrawal from IRA / 401(k).

Calculadora Contadora de Dinheiro

Total cash from bill and coin denominations.