import numpy as np
import warnings
warnings.filterwarnings("ignore")Fv represents the future value of an operation in a particular time.
$$Fv = Pv * (1 + i)^n$$
def fv(pv, n, i):
print('{0:.2f}'.format(np.fv(i/100, n, 0, -pv)))
fv(5000, 9, 4.5)
7430.48
fv(5000, 12, 1.5)
5978.09
fv(1000, 18, 1.25)
1250.58
fv(2800, 3, 3.5)
3104.41
fv(2000, 3, 3.5)
2217.44
fv(1000, 3, 3.5)
1108.72
fv(340, 2, 5)
374.85
fv(1000, 48, 2.2)
2842.12
fv(3000, 3*12, 0.84)
4054.18$$P = \frac{Fv}{(1 + i) ^ n}$$
def pv(fv, n, i):
print('{0:.2f}'.format(np.pv(i/100, n, 0, -fv)))
pv(1587, 5, 8)
pv(28224.08, 4 * 3, 7.5)
pv(9000, 2 * 12, 1.55)
1080.09
11850.00
6221.92$$n = \frac{ln(\frac{Fv}{P})}{ln(1+i)}$$
def nper(fv, pv, rate):
print(round(np.nper(rate/100, 0, -pv, fv)))
nper(1610.51, 1000, 10)
nper(4236, 3450, 2.3067)
nper(600, 449.80, 5)
nper(1425.76, 1000, 3)
5.0
9.0
6.0
12.0$$i = (\frac{Fv}{P}) ^ \frac{1}{n}$$
def rate(fv, pv, n):
print('{0:.2f}'.format(np.rate(n, 0, -pv, fv) * 100))
rate(1610.51, 1000, 5)
rate(700+2150, 2150, 7)
rate(2540.35, 1500, 18)
rate(4796.06, 540, 18)
10.00
4.11
2.97
12.90$$V = R.\left[\frac{(1+i)^n-1}{(1+1)^n.i}\right]$$
def pmt(rate, n, pv): # pv = valor a vista
print('{0:.2f}'.format(np.pmt(rate/100, n, -pv)))
pmt(10, 5, -1000)
pmt(5, 10, -1500)
pv = 16000-3500
pmt(2.7214, 36, -pv)
pmt(3.0, 7, -1900)
pmt(1.0, 120, -110000)
-263.80
-194.26
-549.00
-304.96
-1578.18
print(np.pv(0.10, 5, -263.79,0))
print(np.pv(0.01, 10, -199.99 ,0))
print(np.pv(0.03, 5, -100 ,0))
999.971641902
1894.1661931
457.970718719
print(np.pmt(0.10, 5, 1000, 0, 1))
print(np.pmt(0.03, 12, 900, 0, 1))
-239.815891632
-87.7824047822
# Um amigo lhe empresta $ 1000,00 que devem ser pagos em 5 parcelas,
# utilizando o Price, monte o esquema de amortização com taxa de 10% ao mês.
principal = 1000
nper = 5
per = np.arange(5) + 1
# Calculo dos juros
ipmt = np.ipmt(0.1, per, 5, principal)
print(ipmt)
# Calculo do valor amortizado
ppmt = np.ppmt(0.1, per, 5, principal)
print(ppmt)
print(1000 - ppmt)
# Calulo da parcela
pmt = np.pmt(0.1, 5, principal)
print(pmt)
# Juros
[-100., -83.62, -65.60, -45.78, -23.98]
# Amortização
[-163.80, -180.18, -198.20, -218.01, -239.81]
# Parcela
-263.797480795