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{"sheet":"Simulador","index":0,"n_rows":33,"n_cols":12,"rows_kept":33,"cut":false,"hidden":false,"merged":[[0,0,2,11]]}
["SIMULADOR   |   FGTS Saque Aniversário"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,"PCE 3.5.2"]
[]
[]
[null,null,"Metodo de Simulação","Saldo FGTS",2,null,{"$f":"IF(D7=\"Valor Financiado\",\"Saldo Mínimo FGTS\",\"Liberado Cliente\")","v":"Liberado Cliente"},null,{"$f":"IFERROR(IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!$H$5),\"\")","v":7626.1905230467601}]
[]
[null,null,"Data Nascimento","2000-01-01",null,null,{"$f":"IF(G7=\"Saldo Mínimo FGTS\",\"\",\"IOF\")","v":"IOF"},null,{"$f":"IF(G9=\"\",\"\",IF(I7=\"\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!$H$6)))","v":206.22089510537964}]
[]
[null,null,"Saldo FGTS",15000,null,null,"Prazo (anos)",null,{"$f":"IF(I7=\"\",\"\",D15)","v":5},null,null," "]
[]
[null,null,"Valor Financiado",null,null,null,"Taxa de Juros",null,{"$f":"IF(I7=\"\",\"\",D17)","v":2.0400000000000001E-2}]
[]
[null,null,"Prazo (anos)",5,null,null,"Valor total FGTS Reservado",null,{"$f":"IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!$H$8)","v":12066.92}]
[]
[null,null,"Taxa de juros a.m.",2.0400000000000001E-2,null,null,"Saldo FGTS Restante",null,{"$f":"IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!$H$9)","v":2933.08}]
[]
[null,null,null,null,null,null,"Observação:",{"$f":"IF(AND(D11=\"\",D13=\"\"),\"Preencher Dados da Simulação\",IF(AND(D13<>\"\",I7=\"\"),\"Clicar no botão Calcular\",Calculo!$H$21))","v":""}]
[]
[]
[]
[null,null,"Tabela FGTS","Alíquota"," Adicional",null,"Nº Parcela","Data de Vencimento","Valor da Parcela"]
[null,null,0,0.5,0,null,1,{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!H13))","v":"2022-01-01"},{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!I13))","v":3400}]
[null,null,500,0.4,50,null,2,{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!H14))","v":"2023-01-01"},{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!I14))","v":2890}]
[null,null,1000,0.3,150,null,3,{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!H15))","v":"2024-01-01"},{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!I15))","v":2392}]
[null,null,5000,0.2,650,null,4,{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!H16))","v":"2025-01-01"},{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!I16))","v":1913.6000000000001}]
[null,null,10000,0.15,1150,null,5,{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!H17))","v":"2026-01-01"},{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!I17))","v":1471.32}]
[null,null,15000,0.1,1900,null,"Total",null,{"$f":"IF(H19=\"Clicar no botão Calcular\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",SUM(I24:I28)))","v":12066.92}]
[null,null,20000,0.05,2900]
[]
[]
[null,null,"*Valores apresentados são estimados, para obter a condição oficial é necessário realizar o cadastro da proposta pelo sistema"]

{"sheet":"Calculo","index":1,"n_rows":39,"n_cols":36,"rows_kept":39,"cut":false,"hidden":true,"merged":[[2,24,2,26]]}
[null,null,"Resumo",null,null,null,null,null,null,null,null,null,"Cálculo",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Configurações"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tabela FGTS",null,null,null,null,null,null,null,"Feriados",null,"Lista Supensa"]
[null,"Entrada","Resumo","Replay",null,null,"Resumo",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tabela FGTS","Alíquota","Parcela Adicional",null,null,null,null,null,null,null,"Saldo FGTS","Saldo FGTS"]
[null,{"$f":"IF(Simulador!D7=\"Saldo FGTS\",AI4,AI5)","v":"Saldo FGTS"},"Metodo de Simulação",{"$f":"B5","v":"Saldo FGTS"},null,null,{"$f":"IF(D5=\"Saldo FGTS\",\"Liberado Cliente\",\"Saldo FGTS\")","v":"Liberado Cliente"},{"$f":"IF(D5=\"Saldo FGTS\",T15,IF(AA31=1000000,\"\",P25))","v":7626.1905230467601},{"$f":"H5/$H$8","v":0.63199147114978471},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0.5,0,null,null,null,null,null,null,null,"Valor Financiado","Valor Financiado"]
[null,{"$f":"Simulador!D9","v":"2000-01-01"},"Data Nascimento","2000-01-01",null,null,"IOF",{"$f":"IF(D5=\"Saldo FGTS\",S15,IF(AA31=1000000,\"\",P25))","v":206.22089510537964},{"$f":"H6/$H$8","v":1.7089770637857851E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500.01,0.4,50]
[null,{"$f":"Simulador!D11","v":15000},"Saldo FGTS",{"$f":"B7","v":15000},null,null,"taxa",{"$f":"D10","v":2.0400000000000001E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000.01,0.3,150,null,null,null,null,null,null,null,"Troco mínimo",500]
[null,{"$f":"Simulador!D13","v":0},"Valor Financiado",0,null,null,"Valor total pago",{"$f":"IF(D5=\"Saldo FGTS\",N15,IF(AA31=1000000,\"\",N25))","v":12066.92},{"$f":"H8/$H$8","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000.01,0.2,650]
[null,{"$f":"Simulador!D15","v":5},"Prazo (anos)",5,null,null,"Saldo FGTS Restante",{"$f":"IF(G5=\"Saldo FGTS\",IF(AA31=1000000,\"\",H5-H8),D7-H8)","v":2933.08},{"$f":"H9/$H$8","v":0.24306782509538474},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10000.01,0.15,1150]
[null,{"$f":"Simulador!D17","v":2.0400000000000001E-2},"Taxa de juros a.m.",2.0400000000000001E-2,null,null,"Juros",{"$f":"IF(G5=\"Saldo FGTS\",IF(AA31=1000000,\"\",H8-D8),H8-H5)","v":4440.72947695324},{"$f":"H10/$H$8","v":0.36800852885021529},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15000.01,0.1,1900]
[null,null,"1ºvcto",{"$f":"D22","v":"2022-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20000.009999999998,0.05,2900]
[null,null,null,null,null,null,"Fluxo de Vencimento"]
[null,null,null,null,null,null,1,{"$f":"M17","v":"2022-01-01"},{"$f":"IF($D$5=\"Saldo FGTS\",N17,N27)","v":3400},null,null,null,"Simulação por Saldo FGTS"]
[null,null,"Regra de vencimento",null,null,null,2,{"$f":"M18","v":"2023-01-01"},{"$f":"IF($D$5=\"Saldo FGTS\",N18,N28)","v":2890},null,null,null,null,null,null,"Saldo FGTS",null,"VP","IOF","Lib. Cliente",null,null,"Meta Encontrar Saldo"]
[null,null,"Parâmetro Dias",10,null,null,3,{"$f":"M19","v":"2024-01-01"},{"$f":"IF($D$5=\"Saldo FGTS\",N19,N29)","v":2392},null,null,null,"Data de Vencimento",{"$f":"SUM(N17:N21)","v":12066.92},null,{"$f":"D7","v":15000},null,{"$f":"SUM(R17:R21)","v":7832.41141815214},{"$f":"SUM(S17:S21)+R15*$AA$20","v":206.22089510537964},{"$f":"R15-S15","v":7626.1905230467601},null,null,{"$f":"SUM(N17:N21)-SUM(W17:W21)","v":4937.5200000000004},null,null,"CET",{"$f":"IFERROR(XIRR(N16:N21,M16:M21),1000000)","v":0.27851886153221139}]
[null,null,"hoje",{"$f":"TODAY()","v":"2021-08-17"},null,null,4,"2025-01-01",{"$f":"IF($D$5=\"Saldo FGTS\",N20,N30)","v":1913.6000000000001},null,null,null,{"$f":"D30","v":"2021-08-17"},{"$f":"-SUM(R17:R21)","v":-7832.41141815214},null,null,null,null,null,null,null,null,null,null,null,"Taxa Ano",{"$f":"(1+AA15)^(360/365)-1","v":0.27422287630093622}]
[null,null,"Valida Data",{"$f":"IF(OR(WEEKDAY(D16)=1,WEEKDAY(D16)=7,AG:AG=D16), \"Não é dia Útil\",\"É dia Útil\")","v":"É dia Útil"},null,null,5,"2026-01-01",{"$f":"IF($D$5=\"Saldo FGTS\",N21,N31)","v":1471.32},null,null,null,{"$f":"D22","v":"2022-01-01"},{"$f":"P15*O17+VLOOKUP(O17,$Z$5:$AA$11,2,0)","v":3400},{"$f":"IF(P15>=$Y$11,$Z$11,IF(AND(P15<$Y$11,P15>=$Y$10),$Z$10,IF(AND(P15<$Y$10,P15>=$Y$9),$Z$9,IF(AND(P15<$Y$9,P15>=$Y$8),$Z$8,IF(AND(P15<$Y$8,P15>=$Y$7),$Z$7,IF(AND(P15<$Y$7,P15>=$Y$6),$Z$6,IF(AND(P15<$Y$6,P15>=$Y$5),$Z$5)))))))","v":0.15},{"$f":"P15-N17","v":11600},{"$f":"M17-$M$16","v":137},{"$f":"N17/(1+$D$10)^(Q17/30)","v":3100.4675881949101},{"$f":"IF(Q17>$AA$21,$AA$21,Q17)*$AA$19*R17","v":34.830652885781625},null,null,null,2289.9899999999998,null,null,"Taxa mês conf.",{"$f":"(1+AA16)^(1/12)-1","v":2.0399999708725858E-2}]
[null,null,"Hoje Ajustado",{"$f":"IF(D17=\"É dia Útil\",D16,WORKDAY(D16,1,))","v":"2021-08-17"},null,null,null,null,null,null,null,null,{"$f":"EDATE(M17,12)","v":"2023-01-01"},{"$f":"P17*O18+VLOOKUP(O18,$Z$5:$AA$11,2,0)","v":2890},{"$f":"IF(P17>=$Y$11,$Z$11,IF(AND(P17<$Y$11,P17>=$Y$10),$Z$10,IF(AND(P17<$Y$10,P17>=$Y$9),$Z$9,IF(AND(P17<$Y$9,P17>=$Y$8),$Z$8,IF(AND(P17<$Y$8,P17>=$Y$7),$Z$7,IF(AND(P17<$Y$7,P17>=$Y$6),$Z$6,IF(AND(P17<$Y$6,P17>=$Y$5),$Z$5)))))))","v":0.15},{"$f":"P17-N18","v":8710},{"$f":"M18-$M$16","v":502},{"$f":"N18/(1+$D$10)^(Q18/30)","v":2061.289449930086},{"$f":"IF(Q18>$AA$21,$AA$21,Q18)*$AA$19*R18","v":61.694393236407478},null,null,null,1831.91]
[null,null,"data nascimento",{"$f":"D6","v":"2000-01-01"},null,null,null,null,null,null,null,null,{"$f":"EDATE(M18,12)","v":"2024-01-01"},{"$f":"P18*O19+VLOOKUP(O19,$Z$5:$AA$11,2,0)","v":2392},{"$f":"IF(P18>=$Y$11,$Z$11,IF(AND(P18<$Y$11,P18>=$Y$10),$Z$10,IF(AND(P18<$Y$10,P18>=$Y$9),$Z$9,IF(AND(P18<$Y$9,P18>=$Y$8),$Z$8,IF(AND(P18<$Y$8,P18>=$Y$7),$Z$7,IF(AND(P18<$Y$7,P18>=$Y$6),$Z$6,IF(AND(P18<$Y$6,P18>=$Y$5),$Z$5)))))))","v":0.2},6318,{"$f":"M19-$M$16","v":867},{"$f":"N19/(1+$D$10)^(Q19/30)","v":1334.4280799605947},{"$f":"IF(Q19>$AA$21,$AA$21,Q19)*$AA$19*R19","v":39.939432433220603},null,null,null,1373.29,null,null,"Alíquota Diária",8.2000000000000001E-5]
[null,null,"data corte",{"$f":"DATE(2021,MONTH(D19),1)-D15","v":"2020-12-22"},null,null,"Observação",null,null,null,null,null,{"$f":"EDATE(M19,12)","v":"2025-01-01"},{"$f":"P19*O20+VLOOKUP(O20,$Z$5:$AA$11,2,0)","v":1913.6000000000001},{"$f":"IF(P19>=$Y$11,$Z$11,IF(AND(P19<$Y$11,P19>=$Y$10),$Z$10,IF(AND(P19<$Y$10,P19>=$Y$9),$Z$9,IF(AND(P19<$Y$9,P19>=$Y$8),$Z$8,IF(AND(P19<$Y$8,P19>=$Y$7),$Z$7,IF(AND(P19<$Y$7,P19>=$Y$6),$Z$6,IF(AND(P19<$Y$6,P19>=$Y$5),$Z$5)))))))","v":0.2},4404.3999999999996,{"$f":"M20-$M$16","v":1233},{"$f":"N20/(1+$D$10)^(Q20/30)","v":834.42185375194833},{"$f":"IF(Q20>$AA$21,$AA$21,Q20)*$AA$19*R20","v":24.974246082795815},null,null,null,961.3,null,null,"Alíquota Add",3.8E-3]
[null,null,"AjusteVcto",{"$f":"IF(D16<D20,\"este ano\",\"proximo ano\")","v":"proximo ano"},null,null,"Consolidado",{"$f":"IF(H22<>\"\",H22,\"\")","v":""},null,null,null,null,{"$f":"EDATE(M20,12)","v":"2026-01-01"},{"$f":"P20*O21+VLOOKUP(O21,$Z$5:$AA$11,2,0)","v":1471.32},{"$f":"IF(P20>=$Y$11,$Z$11,IF(AND(P20<$Y$11,P20>=$Y$10),$Z$10,IF(AND(P20<$Y$10,P20>=$Y$9),$Z$9,IF(AND(P20<$Y$9,P20>=$Y$8),$Z$8,IF(AND(P20<$Y$8,P20>=$Y$7),$Z$7,IF(AND(P20<$Y$7,P20>=$Y$6),$Z$6,IF(AND(P20<$Y$6,P20>=$Y$5),$Z$5)))))))","v":0.3},2933.08,{"$f":"M21-$M$16","v":1598},{"$f":"N21/(1+$D$10)^(Q21/30)","v":501.80444631460057},{"$f":"IF(Q21>$AA$21,$AA$21,Q21)*$AA$19*R21","v":15.019007078195996},null,null,null,672.91,null,null,"prazo",365]
[null,null,"1ºvcto",{"$f":"IF(D21=\"este ano\",DATE(YEAR(D16),MONTH(D19),1),DATE(YEAR(D16)+1,MONTH(D19),1))","v":"2022-01-01"},null,null,"Troco mínimo",{"$f":"IF(OR(AND(G5=\"Saldo FGTS\",D8<$AJ$7),AND(D5=\"Saldo FGTS\",H5<$AJ$7)),\"Fora do valor mínimo permitido\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Simulação por Valor Financiado (Precisa de Meta Taxa)"]
[null,null,"Data Simulação",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Financiado","IOF","Lib. Cliente"]
[null,null,"Inicio da \"Não Contratação\"",{"$f":"D20","v":"2020-12-22"},null,null,null,null,null,null,null,null,null,{"$f":"SUM(N27:N31)","v":1401.051369291325},null,1460.2125269565436,null,{"$f":"SUM(R27:R31)","v":1024.5315963519927},{"$f":"SUM(S27:S31)+R25*$AA$20","v":24.531596351992565},{"$f":"R25-S25","v":1000.0000000000001},null,null,null,null,null,"CET",{"$f":"XIRR(N26:N31,M26:M31)","v":0.27851886153221139}]
[null,null,"Fim da \"Não Contratação\"",{"$f":"DATE(YEAR(D25),MONTH(EDATE(D25,1)),1)","v":"2020-01-01"},null,null,null,null,null,null,null,null,{"$f":"M16","v":"2021-08-17"},{"$f":"-SUM(R27:R31)","v":-1024.5315963519927},null,null,null,null,null,null,null,null,null,null,null,"Taxa Ano",{"$f":"(1+AA25)^(360/365)-1","v":0.27422287630093622}]
[null,null,"Permite Contratação",{"$f":"IF(AND(D18>=D25,D18<=D26),\"Não\",\"Sim\")","v":"Sim"},null,null,null,null,null,null,null,null,{"$f":"M17","v":"2022-01-01"},{"$f":"P25*O27+VLOOKUP(O27,$Z$5:$AA$11,2,0)","v":588.06375808696305},{"$f":"IF(P25>=$Y$11,$Z$11,IF(AND(P25<$Y$11,P25>=$Y$10),$Z$10,IF(AND(P25<$Y$10,P25>=$Y$9),$Z$9,IF(AND(P25<$Y$9,P25>=$Y$8),$Z$8,IF(AND(P25<$Y$8,P25>=$Y$7),$Z$7,IF(AND(P25<$Y$7,P25>=$Y$6),$Z$6,IF(AND(P25<$Y$6,P25>=$Y$5),$Z$5)))))))","v":0.3},{"$f":"P25-N27","v":872.14876886958052},{"$f":"M27-$M$26","v":137},{"$f":"N27/(1+$D$10)^(Q27/30)","v":536.25665345315338},{"$f":"IF(Q27>$AA$21,$AA$21,Q27)*$AA$19*R27","v":6.024307244892726},null,null,null,null,null,null,"Taxa mês conf.",{"$f":"(1+AA26)^(1/12)-1","v":2.0399999708725858E-2}]
[null,null,"Data da Simulação",{"$f":"WORKDAY(D26,1,)","v":"2020-01-02"},null,null,null,null,null,null,null,null,{"$f":"EDATE(M27,12)","v":"2023-01-01"},{"$f":"P27*O28+VLOOKUP(O28,$Z$5:$AA$11,2,0)","v":398.85950754783221},{"$f":"IF(P27>=$Y$11,$Z$11,IF(AND(P27<$Y$11,P27>=$Y$10),$Z$10,IF(AND(P27<$Y$10,P27>=$Y$9),$Z$9,IF(AND(P27<$Y$9,P27>=$Y$8),$Z$8,IF(AND(P27<$Y$8,P27>=$Y$7),$Z$7,IF(AND(P27<$Y$7,P27>=$Y$6),$Z$6,IF(AND(P27<$Y$6,P27>=$Y$5),$Z$5)))))))","v":0.4},{"$f":"P27-N28","v":473.28926132174831},{"$f":"M28-$M$26","v":502},{"$f":"N28/(1+$D$10)^(Q28/30)","v":284.48612280714747},{"$f":"IF(Q28>$AA$21,$AA$21,Q28)*$AA$19*R28","v":8.514669655617924}]
[null,null,"Validação Data",{"$f":"IF(OR(WEEKDAY(D28)=1,WEEKDAY(D28)=7,AG:AG=D28), \"Não é dia Útil\",\"É dia Útil\")","v":"É dia Útil"},null,null,null,null,null,null,null,null,{"$f":"EDATE(M28,12)","v":"2024-01-01"},{"$f":"P28*O29+VLOOKUP(O29,$Z$5:$AA$11,2,0)","v":236.64463066087416},{"$f":"IF(P28>=$Y$11,$Z$11,IF(AND(P28<$Y$11,P28>=$Y$10),$Z$10,IF(AND(P28<$Y$10,P28>=$Y$9),$Z$9,IF(AND(P28<$Y$9,P28>=$Y$8),$Z$8,IF(AND(P28<$Y$8,P28>=$Y$7),$Z$7,IF(AND(P28<$Y$7,P28>=$Y$6),$Z$6,IF(AND(P28<$Y$6,P28>=$Y$5),$Z$5)))))))","v":0.5},236.64463066087416,{"$f":"M29-$M$26","v":867},{"$f":"N29/(1+$D$10)^(Q29/30)","v":132.01724085525686},{"$f":"IF(Q29>$AA$21,$AA$21,Q29)*$AA$19*R29","v":3.951276018797838},null,null,null,null,null,null,"Meta",{"$f":"T25-D8","v":1000.0000000000001}]
[null,null,"Data Final Simulação",{"$f":"IF(D27=\"Não\",D28,D18)","v":"2021-08-17"},null,null,null,null,null,null,null,null,{"$f":"EDATE(M29,12)","v":"2025-01-01"},{"$f":"P29*O30+VLOOKUP(O30,$Z$5:$AA$11,2,0)","v":118.32231533043708},{"$f":"IF(P29>=$Y$11,$Z$11,IF(AND(P29<$Y$11,P29>=$Y$10),$Z$10,IF(AND(P29<$Y$10,P29>=$Y$9),$Z$9,IF(AND(P29<$Y$9,P29>=$Y$8),$Z$8,IF(AND(P29<$Y$8,P29>=$Y$7),$Z$7,IF(AND(P29<$Y$7,P29>=$Y$6),$Z$6,IF(AND(P29<$Y$6,P29>=$Y$5),$Z$5)))))))","v":0.5},118.32231533043708,{"$f":"M30-$M$26","v":1233},{"$f":"N30/(1+$D$10)^(Q30/30)","v":51.594233746993041},{"$f":"IF(Q30>$AA$21,$AA$21,Q30)*$AA$19*R30","v":1.5442154160475019},null,null,null,null,null,null,"valida meta",0]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"EDATE(M30,12)","v":"2026-01-01"},{"$f":"P30*O31+VLOOKUP(O31,$Z$5:$AA$11,2,0)","v":59.161157665218539},{"$f":"IF(P30>=$Y$11,$Z$11,IF(AND(P30<$Y$11,P30>=$Y$10),$Z$10,IF(AND(P30<$Y$10,P30>=$Y$9),$Z$9,IF(AND(P30<$Y$9,P30>=$Y$8),$Z$8,IF(AND(P30<$Y$8,P30>=$Y$7),$Z$7,IF(AND(P30<$Y$7,P30>=$Y$6),$Z$6,IF(AND(P30<$Y$6,P30>=$Y$5),$Z$5)))))))","v":0.5},59.161157665218539,{"$f":"M31-$M$26","v":1598},{"$f":"N31/(1+$D$10)^(Q31/30)","v":20.177345489441983},{"$f":"IF(Q31>$AA$21,$AA$21,Q31)*$AA$19*R31","v":0.60390795049899859},null,null,null,null,null,null,"teste",{"$f":"IF(OR(T25-D8>1,T25-D8<-1,),1000000,ROUND(T25-D8,2))","v":1000000}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Calculadora Safra"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M26","v":"2021-08-17"},{"$f":"-SUM(P35:P39)","v":-6768.3126288703279},null,{"$f":"SUM(P35:P39)","v":6768.3126288703279},null,null,null,null,null,null,null,null,null,"CET",{"$f":"IFERROR(XIRR(N34:N39,M34:M39),1000000)","v":0.27851886153221139}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M34+360","v":"2022-08-12"},{"$f":"N17","v":3400},{"$f":"M35-$M$34","v":360},{"$f":"N35/(1+$D$10)^(O35/30)","v":2668.2930055562838},null,null,null,null,null,null,null,null,null,"Taxa Ano",{"$f":"(1+AA34)^(360/365)-1","v":0.27422287630093622}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M35+360","v":"2023-08-07"},{"$f":"N18","v":2890},{"$f":"M36-$M$34","v":720},{"$f":"N36/(1+$D$10)^(O36/30)","v":1779.9468908751464},null,null,null,null,null,null,null,null,null,"Taxa mês conf.",{"$f":"(1+AA35)^(1/12)-1","v":2.0399999708725858E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M36+360","v":"2024-08-01"},{"$f":"N19","v":2392},{"$f":"M37-$M$34","v":1080},{"$f":"N37/(1+$D$10)^(O37/30)","v":1156.1787355310062}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M37+360","v":"2025-07-27"},{"$f":"N20","v":1913.6000000000001},{"$f":"M38-$M$34","v":1440},{"$f":"N38/(1+$D$10)^(O38/30)","v":725.88791369183343}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M38+360","v":"2026-07-22"},{"$f":"N21","v":1471.32},{"$f":"M39-$M$34","v":1800},{"$f":"N39/(1+$D$10)^(O39/30)","v":438.00608321605841}]

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[null,"1) vencimento sempre dia 01"]
[null,"2) após data corte vencimento +1 ano"]
[null,"3) no período de \"não contratação\" simular o próximo dia apto (02 do mês aniversário - dia útil?)"]
[null,"4) valor mínimo de liberação e saldo FGTS"]
[null,"5) prazo e taxa fixa"]
[null,"6) CEF não abre de final de semana"]