{"id":3017,"date":"2026-11-04T07:40:32","date_gmt":"2026-11-04T07:40:32","guid":{"rendered":"https:\/\/wpcalc.com\/pt\/financas\/calculadora-patrimonio-liquido\/"},"modified":"2026-11-04T07:40:32","modified_gmt":"2026-11-04T07:40:32","slug":"calculadora-patrimonio-liquido","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pt\/financas\/calculadora-patrimonio-liquido\/","title":{"rendered":"Calculadora de patrim\u00f4nio l\u00edquido"},"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\">Some seus ativos e d\u00edvidas<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"3017\" data-favorite-title=\"Patrim\u00f4nio l\u00edquido\" data-favorite-url=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-patrimonio-liquido\/\" data-favorite-excerpt=\"Some tudo o que voc\u00ea tem e tudo o que deve para descobrir o seu patrim\u00f4nio l\u00edquido em segundos. Informe seus ativos, d\u00edvidas, renda e idade para ver os totais, o \u00edndice de endividamento, o patrim\u00f4nio l\u00edquido dispon\u00edvel e como voc\u00ea se compara a uma refer\u00eancia comum.\" 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-patrimonio-liquido\/\" method=\"POST\" class=\"calculator\" id=\"calculator-3017\" data-post=\"3017\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"is-single field\" id=\"input-1\"><span class=\"font-semibold\">Ativos<\/span><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Dinheiro e conta corrente<\/label><input type=\"text\" name=\"dinheiro_e_conta_corrente\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Poupan\u00e7a<\/label><input type=\"text\" name=\"poupana\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Aposentadoria (401k, IRA)<\/label><input type=\"text\" name=\"aposentadoria_401k_ira\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"65000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Investimentos (corretora)<\/label><input type=\"text\" name=\"investimentos_corretora\" id=\"field-5\" aria-describedby=\"calc-unit-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-5\">$<\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Im\u00f3veis<\/label><input type=\"text\" name=\"imveis\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"220000\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Valor de mercado da sua casa e de qualquer outro im\u00f3vel que voc\u00ea possua.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Ve\u00edculos<\/label><input type=\"text\" name=\"veculos\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12000\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Outros ativos<\/label><input type=\"text\" name=\"outros_ativos\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"3000\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><small id=\"calc-info-8\">Ex.: participa\u00e7\u00e3o em empresas, objetos de valor, valores a receber.<\/small><\/div><div class=\"field is-single\" id=\"input-9\"><label for=\"field-9\">Linhas extras de ativos<\/label><div class=\"grid grid-cols-1\"><select id=\"field-9\" name=\"linhas_extras_de_ativos\"><option value=\"No extra rows\">Sem linhas extras<\/option><option value=\"1 extra row\">1 linha extra<\/option><option value=\"2 extra rows\">2 linhas extras<\/option><option value=\"3 extra rows\">3 linhas extras<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-10\" hidden><label for=\"field-10\">Nome do ativo<\/label><input type=\"text\" name=\"nome_do_ativo\" id=\"field-10\" placeholder=\"Ex.: Participa\u00e7\u00e3o em empresas\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-11\" hidden><label for=\"field-11\">Valor<\/label><input type=\"text\" name=\"valor\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"field\" id=\"input-12\" hidden><label for=\"field-12\">Nome do ativo<\/label><input type=\"text\" name=\"nome_do_ativo\" id=\"field-12\" placeholder=\"Ex.: Criptomoedas\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-13\" hidden><label for=\"field-13\">Valor<\/label><input type=\"text\" name=\"valor\" id=\"field-13\" aria-describedby=\"calc-unit-13\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-13\">$<\/div><\/div><div class=\"field\" id=\"input-14\" hidden><label for=\"field-14\">Nome do ativo<\/label><input type=\"text\" name=\"nome_do_ativo\" id=\"field-14\" placeholder=\"Ex.: Arte e colecion\u00e1veis\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-15\" hidden><label for=\"field-15\">Valor<\/label><input type=\"text\" name=\"valor\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-15\">$<\/div><\/div><div class=\"is-single field\" id=\"input-16\"><span class=\"font-semibold\">Passivos<\/span><\/div><div class=\"field\" id=\"input-17\"><label for=\"field-17\">Financiamento imobili\u00e1rio<\/label><input type=\"text\" name=\"financiamento_imobilirio\" id=\"field-17\" aria-describedby=\"calc-unit-17 calc-info-17\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"165000\"\/><div class=\"unit\" id=\"calc-unit-17\">$<\/div><small id=\"calc-info-17\">Saldo devedor restante.<\/small><\/div><div class=\"field\" id=\"input-18\"><label for=\"field-18\">Empr\u00e9stimo com garantia de im\u00f3vel<\/label><input type=\"text\" name=\"emprstimo_com_garantia_de_imvel\" id=\"field-18\" aria-describedby=\"calc-unit-18\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-18\">$<\/div><\/div><div class=\"field\" id=\"input-19\"><label for=\"field-19\">Financiamento de ve\u00edculos<\/label><input type=\"text\" name=\"financiamento_de_veculos\" id=\"field-19\" aria-describedby=\"calc-unit-19\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"8000\"\/><div class=\"unit\" id=\"calc-unit-19\">$<\/div><\/div><div class=\"field\" id=\"input-20\"><label for=\"field-20\">Financiamento estudantil<\/label><input type=\"text\" name=\"financiamento_estudantil\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-20\">$<\/div><\/div><div class=\"field\" id=\"input-21\"><label for=\"field-21\">Cart\u00f5es de cr\u00e9dito<\/label><input type=\"text\" name=\"cartes_de_crdito\" id=\"field-21\" aria-describedby=\"calc-unit-21 calc-info-21\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2500\"\/><div class=\"unit\" id=\"calc-unit-21\">$<\/div><small id=\"calc-info-21\">Saldo total que voc\u00ea deve, e n\u00e3o a parcela mensal.<\/small><\/div><div class=\"field\" id=\"input-22\"><label for=\"field-22\">Empr\u00e9stimos pessoais<\/label><input type=\"text\" name=\"emprstimos_pessoais\" id=\"field-22\" aria-describedby=\"calc-unit-22\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-22\">$<\/div><\/div><div class=\"field\" id=\"input-23\"><label for=\"field-23\">Outras d\u00edvidas<\/label><input type=\"text\" name=\"outras_dvidas\" id=\"field-23\" aria-describedby=\"calc-unit-23 calc-info-23\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-23\">$<\/div><small id=\"calc-info-23\">Ex.: impostos devidos, &#039;compre agora, pague depois&#039;, empr\u00e9stimos de familiares.<\/small><\/div><div class=\"field is-single\" id=\"input-24\"><label for=\"field-24\">Linhas extras de passivos<\/label><div class=\"grid grid-cols-1\"><select id=\"field-24\" name=\"linhas_extras_de_passivos\"><option value=\"No extra rows\">Sem linhas extras<\/option><option value=\"1 extra row\">1 linha extra<\/option><option value=\"2 extra rows\">2 linhas extras<\/option><option value=\"3 extra rows\">3 linhas extras<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-25\" hidden><label for=\"field-25\">Nome do passivo<\/label><input type=\"text\" name=\"nome_do_passivo\" id=\"field-25\" placeholder=\"Ex.: Despesas m\u00e9dicas\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-26\" hidden><label for=\"field-26\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-26\" aria-describedby=\"calc-unit-26\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-26\">$<\/div><\/div><div class=\"field\" id=\"input-27\" hidden><label for=\"field-27\">Nome do passivo<\/label><input type=\"text\" name=\"nome_do_passivo\" id=\"field-27\" placeholder=\"Ex.: Impostos atrasados\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-28\" hidden><label for=\"field-28\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-28\" aria-describedby=\"calc-unit-28\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-28\">$<\/div><\/div><div class=\"field\" id=\"input-29\" hidden><label for=\"field-29\">Nome do passivo<\/label><input type=\"text\" name=\"nome_do_passivo\" id=\"field-29\" placeholder=\"Ex.: Empr\u00e9stimo do 401k\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-30\" hidden><label for=\"field-30\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-30\" aria-describedby=\"calc-unit-30\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-30\">$<\/div><\/div><div class=\"is-single field\" id=\"input-31\"><span class=\"font-semibold\">Refer\u00eancia opcional<\/span><\/div><div class=\"field is-single\" id=\"input-32\"><label for=\"field-32\">Idade<\/label><input type=\"text\" name=\"idade\" id=\"field-32\" aria-describedby=\"calc-info-32\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"120\" value=\"35\"\/><small id=\"calc-info-32\">Deixe ambos os campos vazios para pular a compara\u00e7\u00e3o.<\/small><\/div><div class=\"field is-single\" id=\"input-33\"><label for=\"field-33\">Renda anual bruta<\/label><input type=\"text\" name=\"renda_anual_bruta\" id=\"field-33\" aria-describedby=\"calc-unit-33\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"70000\"\/><div class=\"unit\" id=\"calc-unit-33\">$<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalcular\" id=\"calculate-button\" data-post=\"3017\">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> Resumo do seu patrim\u00f4nio l\u00edquido<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Total de ativos<\/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>Total de passivos<\/span><\/span><span class=\"field-value\" id=\"result-2\"><\/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>Patrim\u00f4nio l\u00edquido<\/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>\u00cdndice de endividamento<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/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-5\"><span class=\"field-title\"><span>Patrim\u00f4nio l\u00edquido dispon\u00edvel<\/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 is-column\" id=\"output-6\"><span class=\"field-title\"><span>Composi\u00e7\u00e3o dos ativos<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/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-7\"><span class=\"field-title\"><span>Composi\u00e7\u00e3o dos passivos<\/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 is-column\" id=\"output-8\"><span class=\"field-title\"><span>Regra pr\u00e1tica de idade \u00d7 renda<\/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><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=\"3017\" 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 do patrim\u00f4nio l\u00edquido<\/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\\[ \\text{Patrim\u00f4nio L\u00edquido} = \\text{Ativos Totais} - \\text{D\u00edvidas Totais} \\]\n\\[ \\text{\u00cdndice de Endividamento} = \\frac{\\text{D\u00edvidas Totais}}{\\text{Ativos Totais}} \\times 100\\% \\]\n\\[ \\text{Patrim\u00f4nio L\u00edquido Dispon\u00edvel} = \\text{Dinheiro} + \\text{Poupan\u00e7a} + \\text{Investimentos} - \\text{Cart\u00f5es de Cr\u00e9dito} - \\text{Empr\u00e9stimos Pessoais} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Onde:<\/strong><\/p>\n<ul>\n<li><em>Ativos totais<\/em> \u2014 o valor de mercado atual de tudo o que voc\u00ea possui: dinheiro, poupan\u00e7a, contas de aposentadoria e de investimentos, im\u00f3veis, ve\u00edculos e outros bens de valor<\/li>\n<li><em>D\u00edvidas totais<\/em> \u2014 o saldo devedor de tudo o que voc\u00ea deve: saldo do financiamento imobili\u00e1rio (n\u00e3o o valor do im\u00f3vel), financiamentos de ve\u00edculos, empr\u00e9stimos estudantis, faturas de cart\u00e3o de cr\u00e9dito, entre outras<\/li>\n<\/ul>\n<p>O patrim\u00f4nio l\u00edquido \u00e9 simplesmente a diferen\u00e7a entre o que voc\u00ea tem e o que voc\u00ea deve. O \u00edndice de endividamento mostra o quanto voc\u00ea est\u00e1 alavancado, e o patrim\u00f4nio l\u00edquido dispon\u00edvel isola o dinheiro que voc\u00ea realmente conseguiria usar rapidamente em uma emerg\u00eancia.<\/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>Patrim\u00f4nio l\u00edquido \u2013 exemplo de c\u00e1lculo<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Exemplo:<\/strong> uma mulher de 35 anos, com renda anual bruta de US$ 70.000, possui US$ 4.000 em dinheiro, US$ 12.000 em poupan\u00e7a, US$ 65.000 em contas de aposentadoria, US$ 15.000 em investimentos na corretora, uma casa de US$ 220.000, US$ 12.000 em ve\u00edculos e US$ 3.000 em outros ativos. Ela deve US$ 165.000 no financiamento imobili\u00e1rio, US$ 8.000 em financiamento de ve\u00edculo, US$ 15.000 em empr\u00e9stimos estudantis, US$ 2.500 em cart\u00f5es de cr\u00e9dito e US$ 4.000 em empr\u00e9stimos pessoais.<\/p>\n<p>\\[ \\text{Ativos} = 4{,}000 + 12{,}000 + 65{,}000 + 15{,}000 + 220{,}000 + 12{,}000 + 3{,}000 = \\$331{,}000 \\]<\/p>\n<p>\\[ \\text{D\u00edvidas} = 165{,}000 + 8{,}000 + 15{,}000 + 2{,}500 + 4{,}000 = \\$194{,}500 \\]<\/p>\n<p>\\[ \\text{Patrim\u00f4nio L\u00edquido} = 331{,}000 - 194{,}500 = \\$136{,}500 \\]<\/p>\n<p>\\[ \\text{\u00cdndice de Endividamento} = \\frac{194{,}500}{331{,}000} \\times 100\\% \\approx 58.76\\% \\]<\/p>\n<p>\\[ \\text{Patrim\u00f4nio L\u00edquido Dispon\u00edvel} = 4{,}000 + 12{,}000 + 15{,}000 - 2{,}500 - 4{,}000 = \\$24{,}500 \\]<\/p>\n<p><strong>Resultado:<\/strong> o patrim\u00f4nio l\u00edquido \u00e9 de US$ 136.500, dos quais US$ 24.500 est\u00e3o dispon\u00edveis. A refer\u00eancia de idade \u00d7 renda (35 \u00d7 US$ 70.000 \u00f7 10) \u00e9 de US$ 245.000, ou seja, ela est\u00e1 em cerca de 56% dessa meta.<\/p>\n<p>\n\r\n<\/section>\n<h2>Como usar a calculadora<\/h2>\n<ol>\n<li>Informe o valor atual de cada ativo em <strong>Ativos<\/strong> \u2014 <strong>Dinheiro e conta corrente<\/strong>, <strong>Contas de poupan\u00e7a<\/strong>, <strong>Aposentadoria (401k, IRA)<\/strong>, <strong>Corretora \/ investimentos<\/strong>, <strong>Im\u00f3veis<\/strong>, <strong>Ve\u00edculos<\/strong> e <strong>Outros ativos<\/strong>. Use 0 para o que voc\u00ea n\u00e3o tiver.<\/li>\n<li>Se precisar de mais linhas para os ativos, escolha quantas em <strong>Linhas extras de ativos<\/strong> e depois digite um nome (ex.<br \/>\n","protected":false},"excerpt":{"rendered":"<p>Some tudo o que voc\u00ea tem e tudo o que deve para descobrir o seu patrim\u00f4nio l\u00edquido em segundos. Informe seus ativos, d\u00edvidas, renda e idade para ver os totais, o \u00edndice de endividamento, o patrim\u00f4nio l\u00edquido dispon\u00edvel e como voc\u00ea se compara a uma refer\u00eancia comum.<\/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-3017","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\/3017","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=3017"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/3017\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/media?parent=3017"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/categories?post=3017"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/tags?post=3017"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}