{"id":9661,"date":"2021-01-06T10:44:48","date_gmt":"2021-01-06T13:44:48","guid":{"rendered":"https:\/\/warren.com.br\/magazine\/?p=9661"},"modified":"2023-08-02T22:14:24","modified_gmt":"2023-08-03T01:14:24","slug":"o-que-sao-juros-simples","status":"publish","type":"post","link":"https:\/\/warren.com.br\/magazine\/o-que-sao-juros-simples\/","title":{"rendered":"O que s\u00e3o juros simples"},"content":{"rendered":"<div id=\"playht-iframe-wrapper\" style=\"max-height: 210px !important;\">\n\t<iframe\n\tscrolling=\"no\"\n\tclass=\"playht-iframe-player\"\n\tid=\"playht-iframe-player\"\n\theight=\"90px\"\n\twidth=\"100%\"\n\tframeborder=\"0\"\n\tstyle=\"max-height: 90px; height: 90px !important;\"\n\tsrc=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/warren.com.br\/magazine\/?p=9661&voice=pt-BR-FranciscaNeural&appId=l7OQ6uC_zK&trans_id=-N7R6j79Tlj1JZam4qyz\"\n\tdata-voice=\"pt-BR-FranciscaNeural\"\n\tarticle-url=\"https:\/\/warren.com.br\/magazine\/?p=9661\"\n\tdata-appId=\"l7OQ6uC_zK\"\n\tallowfullscreen=\"\">\n\t<\/iframe>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Os <strong>juros simples <\/strong>s\u00e3o acr\u00e9scimos baseados no valor inicial de uma opera\u00e7\u00e3o financeira&nbsp;e que se mant\u00eam constantes ao longo do tempo. Ou seja, a taxa sempre \u00e9 calculada sobre o capital inicial do investimento ou da d\u00edvida.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/warren.com.br\/magazine\/diferenca-juros-simples-juros-compostos\/\">Diferentemente dos juros compostos<\/a>, que se aplicam sobre o valor inicial e tamb\u00e9m aos rendimentos do m\u00eas anterior, os <strong>juros simples<\/strong> se caracterizam por incidir sempre sobre o valor inicial investido ou emprestado, tamb\u00e9m conhecido como montante inicial.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Indice<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a19bf4c0aa8a\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a19bf4c0aa8a\"  aria-label=\"Alternar\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/warren.com.br\/magazine\/o-que-sao-juros-simples\/#Como_calcular_os_juros_simples\" >Como calcular os juros simples?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/warren.com.br\/magazine\/o-que-sao-juros-simples\/#Exemplo_de_juros_simples\" >Exemplo de juros simples<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_calcular_os_juros_simples\"><\/span>Como calcular os juros simples?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A f\u00f3rmula de c\u00e1lculo do <strong>juros simples<\/strong> \u00e9 a seguinte:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J = C . i . t<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na qual:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J = Juros ($)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C = Capital ($)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">i = Taxa de juros (%)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">t = tempo<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O <strong>capital inicial<\/strong> (C) \u00e9 a quantidade de dinheiro originalmente investida ou emprestada. Esse valor \u00e9 a base sobre a qual os juros s\u00e3o gerados.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>taxa de juros<\/strong> (i) \u00e9 o valor dos juros expresso como porcentagem por unidade de tempo. Em geral, ela \u00e9 expressa por ano, mas tamb\u00e9m pode ser semanal, quinzenal, mensal, bimensal, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J\u00e1 o <strong>tempo <\/strong>(t) \u00e9 o per\u00edodo decorrido entre o momento do investimento ou empr\u00e9stimo e o prazo definido para o saque ou pagamento. Ele pode ser expresso em qualquer unidade, por\u00e9m, para fins de c\u00e1lculo, deve ser definido nas mesmas unidades de tempo da taxa de juros (i).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Exemplo_de_juros_simples\"><\/span>Exemplo de juros simples<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para ficar mais claro, vamos supor que voc\u00ea fez um investimento de R$1.000. Esse valor \u00e9 considerado o capital inicial. Com essa aplica\u00e7\u00e3o, voc\u00ea receber\u00e1 1% ao m\u00eas durante 10 meses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de realizar o c\u00e1lculo do juros total recebido no per\u00edodo (10 meses, no nosso exemplo), vamos entender quanto de juros (rendimentos, nesse caso) voc\u00ea receberia ap\u00f3s 1 m\u00eas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se substituirmos as letras pelos n\u00fameros correspondentes, teremos:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J = C . i . t<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J = 1.000 x 1% x 1<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J = R$10<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ou seja, voc\u00ea recebeu R$10 ap\u00f3s um m\u00eas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9 importante entender que o <strong>juros simples<\/strong> n\u00e3o levar\u00e1 em considera\u00e7\u00e3o esses R$10 de ganho para fazer o c\u00e1lculo do rendimento do pr\u00f3ximo m\u00eas, como seria o caso de um c\u00e1lculo de juros compostos. A base para o c\u00e1lculo para o m\u00eas seguinte ser\u00e1 novamente de R$1.000, e n\u00e3o R$1.010.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mas isso n\u00e3o quer dizer que voc\u00ea n\u00e3o \u00e9 dono do rendimento de R$10, apenas que ele n\u00e3o ser\u00e1 contabilizado para os c\u00e1lculos seguintes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se a forma de capitaliza\u00e7\u00e3o fosse os juros compostos, voc\u00ea teria os seus efeitos ben\u00e9ficos ao longo do tempo (no segundo m\u00eas, os juros atuariam sobre o capital inicial e tamb\u00e9m sobre os rendimentos, ou seja, o c\u00e1lculo seria de 1% sobre R$1.010).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voltando ao nosso exemplo, para saber quanto de juros receberia no total dos 10 meses, basta fazer o c\u00e1lculo substituindo 1 por 10:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J = 1.000 x 1% x 10<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J = 100<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Assim, em um modelo de <strong>juros simples<\/strong>, com uma taxa de juros de 1% ao m\u00eas e um investimento inicial de R$1.000, voc\u00ea teria R$100 de rendimento em 10 meses.<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Os juros simples s\u00e3o acr\u00e9scimos baseados no valor inicial de uma opera\u00e7\u00e3o financeira&nbsp;e que se mant\u00eam constantes ao longo do tempo.<\/p>\n","protected":false},"author":8,"featured_media":9662,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1016],"tags":[],"class_list":["post-9661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-por-dentro-do-mercado","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Juros simples: tudo o que voc\u00ea precisa saber<\/title>\n<meta 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