{"id":452,"date":"2026-10-03T19:15:24","date_gmt":"2026-10-03T18:15:24","guid":{"rendered":"https:\/\/wpcalc.com\/pt\/tir-ou-tri\/"},"modified":"2026-10-03T19:15:24","modified_gmt":"2026-10-03T18:15:24","slug":"tir-ou-tri","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pt\/financas\/tir-ou-tri\/","title":{"rendered":"Calculadora de TIR (Taxa Interna de Retorno) \/ TRI (Taxa de Retorno Efetiva)"},"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\">Calcule a TIR ou a TRI do Seu Projeto de Investimento<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"452\" data-favorite-title=\"TIR \/ TRI\" data-favorite-url=\"https:\/\/wpcalc.com\/pt\/financas\/tir-ou-tri\/\" data-favorite-excerpt=\"Esta calculadora ajuda a determinar a Taxa Interna de Retorno (TIR) ou Taxa de Retorno Efetiva (TRI) de um projeto de investimento. A TIR e a TRI s\u00e3o m\u00e9tricas-chave usadas para avaliar a rentabilidade de investimentos e comparar diferentes op\u00e7\u00f5es financeiras. Ambas representam a taxa na qual o valor presente l\u00edquido (VPL) dos fluxos de caixa \u00e9 igual a zero.\" aria-label=\"Adicionar aos favoritos\" data-favorite-icon=\"icon icon-rate-up\">\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\/tir-ou-tri\/\" method=\"POST\" class=\"calculator\" id=\"calculator-452\" data-post=\"452\"><fieldset class=\"fieldset-input is-1\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Investimento Inicial<\/label><input type=\"text\" name=\"investimento_inicial\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"10000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Insira o valor do investimento inicial<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Fluxos de Caixa (separados por v\u00edrgula)<\/label><input type=\"text\" name=\"fluxos_de_caixa_separados_por_vrgula\" id=\"field-2\" aria-describedby=\"calc-info-2\" step=\"any\" value=\"2000, 3000, 4000, 5000, 6000\"\/><small id=\"calc-info-2\">Insira os fluxos de caixa de cada ano, separados por v\u00edrgulas<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">N\u00famero de Anos<\/label><div class=\"term\">n<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"nmero_de_anos\" id=\"field-3\" aria-describedby=\"calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"5\"\/><small id=\"calc-info-3\">Insira o n\u00famero de anos do investimento<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalcular\" id=\"calculate-button\" data-post=\"452\">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> Seus resultados<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Taxa Interna de Retorno (TIR)<\/span><\/span><span class=\"field-value\" id=\"result-1\" 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-2\"><span class=\"field-title\"><span>Taxa Efetiva de Retorno (TER)<\/span><\/span><span class=\"field-value\" id=\"result-2\" 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><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=\"452\" 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 TIR (Taxa Interna de Retorno) ou TRI<\/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$$VPL = \\sum \\frac{C_t}{(1 + r)^t} = 0$$\n<\/div>\r\n\t<\/figure>\r\n\t<br \/>\n<strong>Onde:<\/strong><\/p>\n<ul>\n<li>$$VPL$$ \u2013 Valor Presente L\u00edquido<\/li>\n<li>$$C_t$$ \u2013 Fluxo de caixa no per\u00edodo t<\/li>\n<li>$$r$$ \u2013 Taxa de retorno (TIR ou TRI)<\/li>\n<li>$$t$$ \u2013 Per\u00edodo (em anos, meses ou outras unidades de tempo)<\/li>\n<\/ul>\n<p>A TIR \u00e9 a taxa de desconto que torna o VPL dos fluxos de caixa igual a zero. A TRI leva em conta a taxa de reinvestimento dos fluxos de caixa intermedi\u00e1rios, sendo mais adequada para projetos de longo prazo.<br \/>\r\n<\/section>\n<p>A <strong>TIR<\/strong> representa a taxa na qual o valor presente dos fluxos de caixa futuros de um investimento \u00e9 igual ao seu custo inicial. A <strong>TRI<\/strong> (Taxa de Retorno Efetiva) \u00e9 uma varia\u00e7\u00e3o que assume o reinvestimento dos fluxos de caixa intermedi\u00e1rios \u00e0 mesma taxa da TIR, sendo mais precisa para investimentos de longo prazo. Tanto a TIR quanto a TRI s\u00e3o amplamente utilizadas para avaliar a rentabilidade e o risco de projetos de investimento em finan\u00e7as corporativas e or\u00e7amento de capital.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Esta calculadora ajuda a determinar a Taxa Interna de Retorno (TIR) ou Taxa de Retorno Efetiva (TRI) de um projeto de investimento. A TIR e a TRI s\u00e3o m\u00e9tricas-chave usadas para avaliar a rentabilidade de investimentos e comparar diferentes op\u00e7\u00f5es financeiras. Ambas representam a taxa na qual o valor presente l\u00edquido (VPL) dos fluxos de caixa \u00e9 igual a zero.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[48],"class_list":["post-452","post","type-post","status-publish","format-standard","hentry","category-financas","tag-juros"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/452","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=452"}],"version-history":[{"count":1,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/452\/revisions"}],"predecessor-version":[{"id":2445,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/452\/revisions\/2445"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/media?parent=452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/categories?post=452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/tags?post=452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}