{"id":2941,"date":"2026-10-20T12:38:18","date_gmt":"2026-10-20T11:38:18","guid":{"rendered":"https:\/\/wpcalc.com\/pt\/financas\/calculadora-bola-de-neve-de-dividas\/"},"modified":"2026-10-20T12:38:18","modified_gmt":"2026-10-20T11:38:18","slug":"calculadora-bola-de-neve-de-dividas","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pt\/financas\/calculadora-bola-de-neve-de-dividas\/","title":{"rendered":"Calculadora bola de neve de d\u00edvidas \u2013 bola de neve vs avalanche"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Compare estrat\u00e9gias de pagamento de d\u00edvidas<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"2941\" data-favorite-title=\"Bola de neve de d\u00edvidas\" data-favorite-url=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-bola-de-neve-de-dividas\/\" data-favorite-excerpt=\"Compare lado a lado as estrat\u00e9gias bola de neve e avalanche para quitar d\u00edvidas. Informe o saldo, a taxa anual e o pagamento m\u00ednimo de cada d\u00edvida, al\u00e9m do seu or\u00e7amento mensal total, e veja qual m\u00e9todo deixa voc\u00ea livre das d\u00edvidas mais r\u00e1pido e gastando menos.\" aria-label=\"Adicionar aos favoritos\" data-favorite-icon=\"icon icon-budget\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-bola-de-neve-de-dividas\/\" method=\"POST\" class=\"calculator\" id=\"calculator-2941\" data-post=\"2941\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"field is-single\" id=\"input-1\"><label for=\"field-1\">N\u00famero de d\u00edvidas<\/label><div class=\"grid grid-cols-1\"><select id=\"field-1\" name=\"nmero_de_dvidas\"><option value=\"1\">1 d\u00edvida<\/option><option value=\"2\">2 d\u00edvidas<\/option><option value=\"3\" selected>3 d\u00edvidas<\/option><option value=\"4\">4 d\u00edvidas<\/option><option value=\"5\">5 d\u00edvidas<\/option><option value=\"6\">6 d\u00edvidas<\/option><option value=\"7\">7 d\u00edvidas<\/option><option value=\"8\">8 d\u00edvidas<\/option><option value=\"9\">9 d\u00edvidas<\/option><option value=\"10\">10 d\u00edvidas<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"is-single field\" id=\"input-2\"><span class=\"font-semibold\">D\u00edvida 1<\/span><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Nome<\/label><input type=\"text\" name=\"nome\" id=\"field-3\" placeholder=\"ex.: Cart\u00e3o de cr\u00e9dito\" step=\"any\" value=\"Credit card\"\/><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"3000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Taxa de juros anual (APR)<\/label><input type=\"text\" name=\"taxa_de_juros_anual_apr\" id=\"field-5\" aria-describedby=\"calc-unit-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"24.9\"\/><div class=\"unit\" id=\"calc-unit-5\">%<\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Pagamento m\u00ednimo<\/label><input type=\"text\" name=\"pagamento_mnimo\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"90\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">O menor valor que voc\u00ea precisa pagar nesta d\u00edvida todo m\u00eas.<\/small><\/div><div class=\"is-single field\" id=\"input-7\"><span class=\"font-semibold\">D\u00edvida 2<\/span><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Nome<\/label><input type=\"text\" name=\"nome\" id=\"field-8\" placeholder=\"ex.: Cart\u00e3o de loja\" step=\"any\" value=\"Store card\"\/><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-9\" aria-describedby=\"calc-unit-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"800\"\/><div class=\"unit\" id=\"calc-unit-9\">$<\/div><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Taxa de juros anual (APR)<\/label><input type=\"text\" name=\"taxa_de_juros_anual_apr\" id=\"field-10\" aria-describedby=\"calc-unit-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"18.9\"\/><div class=\"unit\" id=\"calc-unit-10\">%<\/div><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Pagamento m\u00ednimo<\/label><input type=\"text\" name=\"pagamento_mnimo\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"40\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"is-single field\" id=\"input-12\"><span class=\"font-semibold\">D\u00edvida 3<\/span><\/div><div class=\"field\" id=\"input-13\"><label for=\"field-13\">Nome<\/label><input type=\"text\" name=\"nome\" id=\"field-13\" placeholder=\"ex.: Empr\u00e9stimo pessoal\" step=\"any\" value=\"Personal loan\"\/><\/div><div class=\"field\" id=\"input-14\"><label for=\"field-14\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-14\" aria-describedby=\"calc-unit-14\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6000\"\/><div class=\"unit\" id=\"calc-unit-14\">$<\/div><\/div><div class=\"field\" id=\"input-15\"><label for=\"field-15\">Taxa de juros anual (APR)<\/label><input type=\"text\" name=\"taxa_de_juros_anual_apr\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"11.5\"\/><div class=\"unit\" id=\"calc-unit-15\">%<\/div><\/div><div class=\"field\" id=\"input-16\"><label for=\"field-16\">Pagamento m\u00ednimo<\/label><input type=\"text\" name=\"pagamento_mnimo\" id=\"field-16\" aria-describedby=\"calc-unit-16\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><div class=\"unit\" id=\"calc-unit-16\">$<\/div><\/div><div class=\"is-single field\" id=\"input-17\" hidden><span class=\"font-semibold\">D\u00edvida 4<\/span><\/div><div class=\"field\" id=\"input-18\" hidden><label for=\"field-18\">Nome<\/label><input type=\"text\" name=\"nome\" id=\"field-18\" placeholder=\"ex.: Conta m\u00e9dica\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-19\" hidden><label for=\"field-19\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-19\" aria-describedby=\"calc-unit-19\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-19\">$<\/div><\/div><div class=\"field\" id=\"input-20\" hidden><label for=\"field-20\">Taxa de juros anual (APR)<\/label><input type=\"text\" name=\"taxa_de_juros_anual_apr\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-20\">%<\/div><\/div><div class=\"field\" id=\"input-21\" hidden><label for=\"field-21\">Pagamento m\u00ednimo<\/label><input type=\"text\" name=\"pagamento_mnimo\" id=\"field-21\" aria-describedby=\"calc-unit-21\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-21\">$<\/div><\/div><div class=\"is-single field\" id=\"input-22\" hidden><span class=\"font-semibold\">D\u00edvida 5<\/span><\/div><div class=\"field\" id=\"input-23\" hidden><label for=\"field-23\">Nome<\/label><input type=\"text\" name=\"nome\" id=\"field-23\" placeholder=\"ex.: Financiamento do carro\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-24\" hidden><label for=\"field-24\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-24\" aria-describedby=\"calc-unit-24\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-24\">$<\/div><\/div><div class=\"field\" id=\"input-25\" hidden><label for=\"field-25\">Taxa de juros anual (APR)<\/label><input type=\"text\" name=\"taxa_de_juros_anual_apr\" id=\"field-25\" aria-describedby=\"calc-unit-25\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-25\">%<\/div><\/div><div class=\"field\" id=\"input-26\" hidden><label for=\"field-26\">Pagamento m\u00ednimo<\/label><input type=\"text\" name=\"pagamento_mnimo\" id=\"field-26\" aria-describedby=\"calc-unit-26\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-26\">$<\/div><\/div><div class=\"is-single field\" id=\"input-27\" hidden><span class=\"font-semibold\">D\u00edvida 6<\/span><\/div><div class=\"field\" id=\"input-28\" hidden><label for=\"field-28\">Nome<\/label><input type=\"text\" name=\"nome\" id=\"field-28\" placeholder=\"ex.: Financiamento estudantil\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-29\" hidden><label for=\"field-29\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-29\" aria-describedby=\"calc-unit-29\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-29\">$<\/div><\/div><div class=\"field\" id=\"input-30\" hidden><label for=\"field-30\">Taxa de juros anual (APR)<\/label><input type=\"text\" name=\"taxa_de_juros_anual_apr\" id=\"field-30\" aria-describedby=\"calc-unit-30\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-30\">%<\/div><\/div><div class=\"field\" id=\"input-31\" hidden><label for=\"field-31\">Pagamento m\u00ednimo<\/label><input type=\"text\" name=\"pagamento_mnimo\" id=\"field-31\" aria-describedby=\"calc-unit-31\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-31\">$<\/div><\/div><div class=\"is-single field\" id=\"input-32\" hidden><span class=\"font-semibold\">D\u00edvida 7<\/span><\/div><div class=\"field\" id=\"input-33\" hidden><label for=\"field-33\">Nome<\/label><input type=\"text\" name=\"nome\" id=\"field-33\" placeholder=\"ex.: Conta do dentista\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-34\" hidden><label for=\"field-34\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-34\" aria-describedby=\"calc-unit-34\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-34\">$<\/div><\/div><div class=\"field\" id=\"input-35\" hidden><label for=\"field-35\">Taxa de juros anual (APR)<\/label><input type=\"text\" name=\"taxa_de_juros_anual_apr\" id=\"field-35\" aria-describedby=\"calc-unit-35\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-35\">%<\/div><\/div><div class=\"field\" id=\"input-36\" hidden><label for=\"field-36\">Pagamento m\u00ednimo<\/label><input type=\"text\" name=\"pagamento_mnimo\" id=\"field-36\" aria-describedby=\"calc-unit-36\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-36\">$<\/div><\/div><div class=\"is-single field\" id=\"input-37\" hidden><span class=\"font-semibold\">D\u00edvida 8<\/span><\/div><div class=\"field\" id=\"input-38\" hidden><label for=\"field-38\">Nome<\/label><input type=\"text\" name=\"nome\" id=\"field-38\" placeholder=\"ex.: Compre agora, pague depois\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-39\" hidden><label for=\"field-39\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-39\" aria-describedby=\"calc-unit-39\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-39\">$<\/div><\/div><div class=\"field\" id=\"input-40\" hidden><label for=\"field-40\">Taxa de juros anual (APR)<\/label><input type=\"text\" name=\"taxa_de_juros_anual_apr\" id=\"field-40\" aria-describedby=\"calc-unit-40\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-40\">%<\/div><\/div><div class=\"field\" id=\"input-41\" hidden><label for=\"field-41\">Pagamento m\u00ednimo<\/label><input type=\"text\" name=\"pagamento_mnimo\" id=\"field-41\" aria-describedby=\"calc-unit-41\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-41\">$<\/div><\/div><div class=\"is-single field\" id=\"input-42\" hidden><span class=\"font-semibold\">D\u00edvida 9<\/span><\/div><div class=\"field\" id=\"input-43\" hidden><label for=\"field-43\">Nome<\/label><input type=\"text\" name=\"nome\" id=\"field-43\" placeholder=\"ex.: Impostos atrasados\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-44\" hidden><label for=\"field-44\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-44\" aria-describedby=\"calc-unit-44\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-44\">$<\/div><\/div><div class=\"field\" id=\"input-45\" hidden><label for=\"field-45\">Taxa de juros anual (APR)<\/label><input type=\"text\" name=\"taxa_de_juros_anual_apr\" id=\"field-45\" aria-describedby=\"calc-unit-45\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-45\">%<\/div><\/div><div class=\"field\" id=\"input-46\" hidden><label for=\"field-46\">Pagamento m\u00ednimo<\/label><input type=\"text\" name=\"pagamento_mnimo\" id=\"field-46\" aria-describedby=\"calc-unit-46\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-46\">$<\/div><\/div><div class=\"is-single field\" id=\"input-47\" hidden><span class=\"font-semibold\">D\u00edvida 10<\/span><\/div><div class=\"field\" id=\"input-48\" hidden><label for=\"field-48\">Nome<\/label><input type=\"text\" name=\"nome\" id=\"field-48\" placeholder=\"ex.: Linha de cr\u00e9dito\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-49\" hidden><label for=\"field-49\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-49\" aria-describedby=\"calc-unit-49\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-49\">$<\/div><\/div><div class=\"field\" id=\"input-50\" hidden><label for=\"field-50\">AXR<\/label><input type=\"text\" name=\"axr\" id=\"field-50\" aria-describedby=\"calc-unit-50\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-50\">%<\/div><\/div><div class=\"field\" id=\"input-51\" hidden><label for=\"field-51\">Pagamento m\u00ednimo<\/label><input type=\"text\" name=\"pagamento_mnimo\" id=\"field-51\" aria-describedby=\"calc-unit-51\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-51\">$<\/div><\/div><div class=\"field is-single\" id=\"input-52\"><label for=\"field-52\">Rateio mensal para os juros<\/label><input type=\"text\" name=\"rateio_mensal_para_os_juros\" id=\"field-52\" aria-describedby=\"calc-unit-52 calc-info-52\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-52\">$<\/div><small id=\"calc-info-52\">Abaixo o m\u00ednimo, os juros restantes s\u00e3o adicionados ao saldo.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalcular\" id=\"calculate-button\" data-post=\"2941\">Calcular<\/button><button type=\"reset\">Redefinir<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calcular automaticamente<\/label><small>Se ativado, o resultado \u00e9 atualizado automaticamente quando voc\u00ea altera qualquer valor.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Bola de neve vs. avalanche<\/h3><div class=\"result-box\"><div class=\"field-result is-column\" id=\"output-1\"><span class=\"field-title\"><span>Qual economiza mais?<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Bola de neve: meses at\u00e9 quitar tudo<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"N\u00ba de meses\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Bola de neve: data de quita\u00e7\u00e3o total<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Bola de neve: juros totais pagos<\/span><\/span><span class=\"field-value\" id=\"result-4\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-5\"><span class=\"field-title\"><span>Bola de neve: ordem de quita\u00e7\u00e3o<\/span><\/span><span class=\"field-value\" id=\"result-5\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-6\"><span class=\"field-title\"><span>Avalanche: meses at\u00e9 quitar tudo<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"meses\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Avalanche: data de quita\u00e7\u00e3o total<\/span><\/span><span class=\"field-value\" id=\"result-7\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-8\"><span class=\"field-title\"><span>Avalanche: juros totais pagos<\/span><\/span><span class=\"field-value\" id=\"result-8\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-9\"><span class=\"field-title\"><span>Avalanche: ordem de quita\u00e7\u00e3o<\/span><\/span><span class=\"field-value\" id=\"result-9\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-10\"><span class=\"field-title\"><span>Cronograma mensal \u2014 Bola de neve<\/span><\/span><span class=\"field-value\" id=\"result-10\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-11\"><span class=\"field-title\"><span>Cronograma mensal \u2014 Avalanche<\/span><\/span><span class=\"field-value\" id=\"result-11\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Copiar link para este c\u00e1lculo<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Deixar um coment\u00e1rio<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"2941\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">O que voc\u00ea achou deste resultado?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Curti <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">\u00datil <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Confuso <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Decepcionado <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Impreciso <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>F\u00f3rmula da bola de neve de d\u00edvidas<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">F\u00f3rmula<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ i_j = b_j \\cdot \\frac{r_j}{12}, \\qquad R = B - \\sum_{j=1}^{n} m_j \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Onde:<\/strong><\/p>\n<ul>\n<li>\\(b_j\\) \u2014 saldo atual da d\u00edvida \\(j\\)<\/li>\n<li>\\(r_j\\) \u2014 sua taxa anual de juros (APR), escrita na forma decimal<\/li>\n<li>\\(i_j\\) \u2014 juros acrescentados \u00e0 d\u00edvida \\(j\\) ao longo de um m\u00eas<\/li>\n<li>\\(m_j\\) \u2014 pagamento m\u00ednimo mensal exigido na d\u00edvida \\(j\\)<\/li>\n<li>\\(B\\) \u2014 or\u00e7amento mensal total dispon\u00edvel para todos os pagamentos de d\u00edvidas<\/li>\n<li>\\(R\\) \u2014 dinheiro extra que sobra a cada m\u00eas depois de cobertos todos os m\u00ednimos<\/li>\n<\/ul>\n<p>Todo m\u00eas, a calculadora acrescenta os juros a cada saldo em aberto, paga todos os m\u00ednimos e direciona o restante \\(R\\) para uma d\u00edvida priorit\u00e1ria: a de menor saldo (bola de neve) ou a de maior taxa anual (avalanche). Quando a d\u00edvida priorit\u00e1ria chega a zero, o m\u00ednimo que ficou livre, junto com \\(R\\), rola para o pr\u00f3ximo alvo \u2014 e \u00e9 assim que a \u201cbola de neve\u201d de pagamentos cresce cada vez que uma d\u00edvida desaparece.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Bola de neve de d\u00edvidas \u2013 exemplo de c\u00e1lculo<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Exemplo:<\/strong> tr\u00eas d\u00edvidas \u2014 um cart\u00e3o de cr\u00e9dito com saldo de US$ 3.000 a 24,9% ao ano e m\u00ednimo de US$ 90; um cart\u00e3o de loja com US$ 800 a 18,9% e m\u00ednimo de US$ 40; e um empr\u00e9stimo pessoal de US$ 6.000 a 11,5% com m\u00ednimo de US$ 200 \u2014 quitadas com um or\u00e7amento mensal total de US$ 500.<\/p>\n<p>Os m\u00ednimos somam \\(90 + 40 + 200 = \\$330\\), ent\u00e3o \\(R = 500 - 330 = \\$170\\) vai todo m\u00eas para a d\u00edvida priorit\u00e1ria. No m\u00eas 1, a bola de neve ataca o cart\u00e3o da loja (o menor saldo):<\/p>\n<p>\\[ 800 \\times \\tfrac{0.189}{12} + 800 = 812.60, \\quad 812.60 - 40 - 170 = \\$602.60 \\]<\/p>\n<p><strong>Resultado:<\/strong> com esses n\u00fameros, a bola de neve quita as tr\u00eas d\u00edvidas em cerca de 23 meses, pagando aproximadamente US$ 1.508 de juros. J\u00e1 a avalanche, que ataca primeiro o cart\u00e3o de 24,9%, tamb\u00e9m termina em cerca de 23 meses, mas paga cerca de US$ 1.466 de juros \u2014 uma economia de aproximadamente US$ 42.<\/p>\n<p>\n\r\n<\/section>\n<h2>Como usar a calculadora<\/h2>\n<ol>\n<li>Defina o <strong>N\u00famero de d\u00edvidas<\/strong> (de 1 a 10). O formul\u00e1rio exibe exatamente essa quantidade de se\u00e7\u00f5es.<\/li>\n<li>Para cada d\u00edvida, digite um <strong>Nome<\/strong> (opcional, por exemplo \u201cCart\u00e3o de cr\u00e9dito\u201d), o <strong>Saldo<\/strong> atual, a <strong>Taxa anual (APR)<\/strong> e o <strong>Pagamento m\u00ednimo<\/strong> que voc\u00ea precisa pagar a cada m\u00eas.<\/li>\n<li>Informe seu <strong>Or\u00e7amento mensal total para as d\u00edvidas<\/strong> \u2014 todo dinheiro que voc\u00ea consegue destinar ao pagamento de d\u00edvidas em um m\u00eas. Ele precisa ser pelo menos igual \u00e0 soma dos pagamentos m\u00ednimos.<\/li>\n<li>Leia o veredito, que indica qual estrat\u00e9gia economiza mais e quanto.<\/li>\n<li>Compare a bola de neve e a avalanche lado a lado: meses at\u00e9 zerar a d\u00edvida, data de quita\u00e7\u00e3o, juros totais pagos e a ordem de quita\u00e7\u00e3o de cada d\u00edvida.<\/li>\n<li>Abra o <em>Cronograma mensal da bola de neve<\/em> ou o <em>Cronograma mensal da avalanche<\/em> para ver todo saldo, pagamento e cobran\u00e7a de juros, m\u00eas a m\u00eas.<\/li>\n<\/ol>\n<h2>Bola de neve vs avalanche<\/h2>\n<p>As duas estrat\u00e9gias partem da mesma ideia central: pagar todos os m\u00ednimos e jogar cada real que sobra em uma \u00fanica d\u00edvida por vez. A diferen\u00e7a est\u00e1 apenas na escolha do alvo. A <strong>bola de neve<\/strong> ataca primeiro o menor saldo, eliminando d\u00edvidas individuais rapidamente \u2014 o cart\u00e3o da loja desaparece logo no come\u00e7o, e esse progresso vis\u00edvel \u00e9 um motivador poderoso. Cada vez que uma d\u00edvida \u00e9 quitada, o pagamento m\u00ednimo dela se soma ao ataque ao pr\u00f3ximo menor saldo, e \u00e9 da\u00ed que vem o nome \u201cbola de neve\u201d.<\/p>\n<p>A <strong>avalanche<\/strong> ataca primeiro a maior taxa de juros. Matematicamente, \u00e9 a op\u00e7\u00e3o mais barata: para um or\u00e7amento mensal fixo, nenhuma ordem de quita\u00e7\u00e3o gera menos juros totais do que eliminar sempre a d\u00edvida mais cara. No exemplo padr\u00e3o acima a economia \u00e9 de uns US$ 42 \u2014 em outras situa\u00e7\u00f5es, sobretudo com saldos altos e taxas muito elevadas, a diferen\u00e7a pode chegar a milhares de d\u00f3lares.<\/p>\n<p>Ent\u00e3o por que algu\u00e9m escolheria a bola de neve? Porque o plano mais barato no papel n\u00e3o vale nada se voc\u00ea o abandonar no meio do caminho. Pesquisas sobre o comportamento de pagamento de d\u00edvidas sugerem que muita pessoas persistem mais na bola de neve porque fechar uma conta no in\u00edcio d\u00e1 sensa\u00e7\u00e3o de progresso real \u2014 e a const\u00e2ncia vale mais do que alguns d\u00f3lares de juros. Esta calculadora mostra o verdadeiro custo de cada escolha para as <em>suas<\/em> d\u00edvidas, transformando a decis\u00e3o em um n\u00famero, n\u00e3o em um palpite.<\/p>\n<p>Interpretar o resultado \u00e9 simples: se a avalanche economizar s\u00f3 uma quantia irrelevante, escolha a estrat\u00e9gia que parecer mais f\u00e1cil de seguir \u2014 o que, nesse caso, favorece a bola de neve por suas vit\u00f3rias r\u00e1pidas. Se a avalanche economizar centenas ou mais, considere-a a s\u00e9rio, principalmente se a d\u00edvida de maior taxa tamb\u00e9m for uma das maiores. Para ver como um \u00fanico saldo com taxa alta se acumula, experimente nossa <a href=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-de-juros-do-cartao-de-credito\/\">calculadora de juros de cart\u00e3o de cr\u00e9dito<\/a>.<\/p>\n<h2>Compara\u00e7\u00e3o r\u00e1pida<\/h2>\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>Bola de neve<\/th>\n<th>Avalanche<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Prioridade<\/td>\n<td>Menor saldo primeiro<\/td>\n<td>Maior taxa anual primeiro<\/td>\n<\/tr>\n<tr>\n<td>Juros pagos<\/td>\n<td>Um pouco mais<\/td>\n<td>Sempre o m\u00ednimo poss\u00edvel<\/td>\n<\/tr>\n<tr>\n<td>Tempo at\u00e9 quitar<\/td>\n<td>Igual ou um pouco maior<\/td>\n<td>Igual ou menor<\/td>\n<\/tr>\n<tr>\n<td>Vantagem psicol\u00f3gica<\/td>\n<td>Vit\u00f3rias r\u00e1pidas no in\u00edcio<\/td>\n<td>Satisfa\u00e7\u00e3o de ver a d\u00edvida cara encolher<\/td>\n<\/tr>\n<tr>\n<td>Melhor para<\/td>\n<td>Quem precisa de ritmo e motiva\u00e7\u00e3o<\/td>\n<td>Quem \u00e9 movido pela economia total<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Premissas, limita\u00e7\u00f5es e dicas<\/h2>\n<ul>\n<li>A calculadora assume que voc\u00ea para de fazer novas compras e mant\u00e9m o or\u00e7amento mensal constante at\u00e9 zerar todos os saldos. Se seu or\u00e7amento varia, rode a calculadora de novo com uma m\u00e9dia realista.<\/li>\n<li>Os juros s\u00e3o calculados mensalmente como saldo \u00d7 taxa anual \u00f7 12, que \u00e9 a forma usada pela maioria dos cart\u00f5es de cr\u00e9dito e empr\u00e9stimos. Saldos com capitaliza\u00e7\u00e3o di\u00e1ria ou per\u00edodos de car\u00eancia podem diferir um pouco.<\/li>\n<li>Os pagamentos m\u00ednimos s\u00e3o tratados como valores fixos, n\u00e3o como um percentual do saldo decrescente. Se seus m\u00ednimos diminuem conforme os saldos caem, os resultados ser\u00e3o um pouco diferentes.<\/li>\n<li>Taxas, per\u00edodos promocionais de 0% que expiram depois e faturas fechadas no meio do ciclo n\u00e3o s\u00e3o modelados. Informe uma taxa anual que reflita qual ser\u00e1 o juro real durante todo o per\u00edodo de quita\u00e7\u00e3o.<\/li>\n<li>Se o seu or\u00e7amento mal cobre os m\u00ednimos, a maior parte de cada pagamento vai para os juros e o progresso ser\u00e1 dolorosamente lento. Antes de come\u00e7ar, verifique sua <a href=\"https:\/\/wpcalc.com\/en\/finance\/debt-to-income-ratio-calculator\/\">raz\u00e3o d\u00edvida\/renda<\/a> para saber o quanto o or\u00e7amento est\u00e1 esticado de verdade.<\/li>\n<li>Um <a href=\"https:\/\/wpcalc.com\/pt\/financas\/consolidacao-de-dividas\/\">empr\u00e9stimo de consolida\u00e7\u00e3o de d\u00edvidas<\/a> pode transformar v\u00e1rios pagamentos em um s\u00f3, com uma taxa m\u00e9dia menor \u2014 vale comparar com as duas estrat\u00e9gias se o seu hist\u00f3rico de cr\u00e9dito for bom.<\/li>\n<li>Depois que as d\u00edvidas n\u00e3o garantidas forem embora, a mesma l\u00f3gica da bola de neve serve para empr\u00e9stimos maiores; nossa <a href=\"https:\/\/wpcalc.com\/en\/finance\/mortgage-payoff-calculator-with-extra-payments\/\">calculadora de quita\u00e7\u00e3o antecipada de financiamento imobili\u00e1rio com pagamentos extras<\/a> mostra o efeito de direcionar o or\u00e7amento liberado para a casa pr\u00f3pria.<\/li>\n<li>Se uma d\u00edvida tiver uma taxa anual extremamente alta (por exemplo, um empr\u00e9stimo at\u00e9 o pagamento \u2014 o famoso payday loan), atac\u00e1-la primeiro \u00e9 s\u00e1bio em qualquer m\u00e9todo \u2014 coloque-a no topo da lista, independentemente da estrat\u00e9gia.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Compare lado a lado as estrat\u00e9gias bola de neve e avalanche para quitar d\u00edvidas. Informe o saldo, a taxa anual e o pagamento m\u00ednimo de cada d\u00edvida, al\u00e9m do seu or\u00e7amento mensal total, e veja qual m\u00e9todo deixa voc\u00ea livre das d\u00edvidas mais r\u00e1pido e gastando menos.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[24],"class_list":["post-2941","post","type-post","status-publish","format-standard","hentry","category-financas","tag-orcamento"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/2941","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/comments?post=2941"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/2941\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/media?parent=2941"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/categories?post=2941"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/tags?post=2941"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}