Calculadora de Juros Compostos
Calcule juros compostos com aportes regulares
| Período de Investimento (anos) | Aportes Totais | Juros Totais Ganhos | Valor Futuro |
|---|---|---|---|
| 1 | $16,000.00 | $919.19 | $16,919.19 |
| 2 | $22,000.00 | $2,338.58 | $24,338.58 |
| 3 | $28,000.00 | $4,294.31 | $32,294.31 |
| 4 | $34,000.00 | $6,825.16 | $40,825.16 |
| 5 | $40,000.00 | $9,972.70 | $49,972.70 |
| 6 | $46,000.00 | $13,781.53 | $59,781.53 |
| 7 | $52,000.00 | $18,299.43 | $70,299.43 |
| 8 | $58,000.00 | $23,577.68 | $81,577.68 |
| 9 | $64,000.00 | $29,671.22 | $93,671.22 |
| 10 | $70,000.00 | $36,639.02 | $106,639.02 |
| 11 | $76,000.00 | $44,544.25 | $120,544.25 |
| 12 | $82,000.00 | $53,454.70 | $135,454.70 |
| 13 | $88,000.00 | $63,443.02 | $151,443.02 |
| 14 | $94,000.00 | $74,587.14 | $168,587.14 |
| 15 | $100,000.00 | $86,970.62 | $186,970.62 |
| 16 | $106,000.00 | $100,683.03 | $206,683.03 |
| 17 | $112,000.00 | $115,820.45 | $227,820.45 |
| 18 | $118,000.00 | $132,485.91 | $250,485.91 |
| 19 | $124,000.00 | $150,789.85 | $274,789.85 |
| 20 | $130,000.00 | $170,850.72 | $300,850.72 |
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Compound interest is often called the eighth wonder of the world. It means earning interest on your interest, and it's the foundational principle behind long-term wealth building.
Key Concepts
The Power of Compounding
When interest is reinvested, your money grows exponentially rather than linearly. The longer your investment period, the more dramatic the effect becomes.
Rule of 72
Divide 72 by your annual interest rate to estimate how many years it takes for your money to double. At 8% return, your investment doubles roughly every 9 years.
Compound Frequency
The more frequently interest compounds (daily vs. annually), the faster your money grows. The difference is small over short periods but significant over decades.
Time in the Market
Starting to invest early is more impactful than investing larger amounts later. A 25-year-old investing $200/month can outperform a 35-year-old investing $400/month by retirement.
Practical Tips
Start investing as early as possible — even small amounts benefit enormously from decades of compounding.
Reinvest dividends and interest rather than withdrawing them to maximize the compounding effect.
Be wary of high-interest debt — compound interest works against you on credit cards and loans just as powerfully as it works for you on investments.
Consistent regular contributions matter more than trying to time the market with lump sums.
This content is for educational purposes only and does not constitute financial or investment advice. Past performance does not guarantee future results. Consult a qualified financial advisor before making investment decisions.