Finan\u00e7a Inteligente – Solu\u00e7\u00f5es Financeiras Personalizadas<\/title>\n\n <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\n <link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.4.0\/css\/all.min.css\">\n\n <style>\n \/* TABS CSS-only (sem JS) *\/\n .fi-tab-radio { position: absolute; opacity: 0; pointer-events: none; }\n .fi-tab-label { transition: all 0.3s ease; cursor: pointer; user-select: none; }\n .fi-tab-radio:checked + .fi-tab-label { background-color: #3b82f6; color: #fff; }\n\n .fi-panel { display: none; }\n #fi-tab-loan:checked ~ .fi-panels #fi-panel-loan { display: block; }\n #fi-tab-investment:checked ~ .fi-panels #fi-panel-investment { display: block; }\n #fi-tab-savings:checked ~ .fi-panels #fi-panel-savings { display: block; }\n\n .article-card:hover {\n transform: translateY(-5px);\n box-shadow: 0 10px 25px rgba(0, 0, 0, 0.1);\n }\n <\/style>\n<\/head>\n\n<body class=\"font-sans bg-gray-50\">\n\n \n <section class=\"bg-gradient-to-r from-blue-500 to-blue-700 text-white py-16\">\n <div class=\"container mx-auto px-4 flex flex-col md:flex-row items-center\">\n <div class=\"md:w-1\/2 mb-10 md:mb-0\">\n <h2 class=\"text-4xl md:text-5xl font-bold mb-4\">Controle suas finan\u00e7as de forma inteligente<\/h2>\n <p class=\"text-xl mb-8\">\n Ferramentas e conselhos especializados para ajudar voc\u00ea a tomar decis\u00f5es financeiras mais informadas.\n <\/p>\n <div class=\"flex flex-col sm:flex-row gap-4\">\n <a href=\"#calculators\" class=\"bg-white text-blue-600 px-6 py-3 rounded-lg font-bold hover:bg-blue-50 transition text-center\">\n Experimente nossas calculadoras\n <\/a>\n <a href=\"#articles\" class=\"border-2 border-white px-6 py-3 rounded-lg font-bold hover:bg-blue-600 transition text-center\">\n Aprenda com nossos artigos\n <\/a>\n <\/div>\n <\/div>\n\n <div class=\"md:w-1\/2 flex justify-center\">\n <img decoding=\"async\"\n src=\"https:\/\/images.unsplash.com\/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1000&q=80\"\n alt=\"Finan\u00e7as\"\n class=\"rounded-xl shadow-2xl max-w-full\"\n >\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"calculators\" class=\"py-16 bg-white\">\n <div class=\"container mx-auto px-4\">\n <h2 class=\"text-3xl font-bold text-center mb-12\">Calculadoras Financeiras<\/h2>\n\n \n <div class=\"max-w-2xl mx-auto relative\">\n\n \n <input class=\"fi-tab-radio\" type=\"radio\" name=\"fi-tabs\" id=\"fi-tab-loan\" checked>\n <input class=\"fi-tab-radio\" type=\"radio\" name=\"fi-tabs\" id=\"fi-tab-investment\">\n <input class=\"fi-tab-radio\" type=\"radio\" name=\"fi-tabs\" id=\"fi-tab-savings\">\n\n \n <div class=\"bg-gray-100 rounded-xl p-1 mb-8 max-w-md mx-auto flex\">\n <label for=\"fi-tab-loan\" class=\"fi-tab-label flex-1 py-3 rounded-lg text-center\">Empr\u00e9stimo<\/label>\n <label for=\"fi-tab-investment\" class=\"fi-tab-label flex-1 py-3 rounded-lg text-center\">Investimento<\/label>\n <label for=\"fi-tab-savings\" class=\"fi-tab-label flex-1 py-3 rounded-lg text-center\">Poupan\u00e7a<\/label>\n <\/div>\n\n \n <div class=\"fi-panels bg-white rounded-xl shadow-lg p-6\">\n \n <div id=\"fi-panel-loan\" class=\"fi-panel\">\n <h3 class=\"text-xl font-bold mb-6\">Calculadora de Empr\u00e9stimo (Parcela Mensal)<\/h3>\n\n <form id=\"loan-form\" class=\"space-y-4\" action=\"\">\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Valor do empr\u00e9stimo (R$)<\/label>\n <input id=\"loan-amount\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 10000\" required>\n <\/div>\n\n <div class=\"grid md:grid-cols-2 gap-4\">\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Taxa de juros (ao m\u00eas %)<\/label>\n <input id=\"loan-rate\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 2.5\" required>\n <\/div>\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Prazo (meses)<\/label>\n <input id=\"loan-months\" type=\"number\" min=\"1\" step=\"1\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 24\" required>\n <\/div>\n <\/div>\n\n <button type=\"submit\" class=\"w-full bg-blue-600 text-white px-6 py-3 rounded-lg font-bold hover:bg-blue-700 transition\">\n Calcular parcela\n <\/button>\n <input type=\"hidden\" name=\"trp-form-language\" value=\"es\"\/><\/form>\n\n <div id=\"loan-result\" class=\"mt-6 hidden\">\n <div class=\"bg-blue-50 border border-blue-200 rounded-lg p-4\">\n <p class=\"text-gray-700\"><strong>Parcela estimada:<\/strong> <span id=\"loan-payment\"><\/span><\/p>\n <p class=\"text-gray-700\"><strong>Total pago:<\/strong> <span id=\"loan-total\"><\/span><\/p>\n <p class=\"text-gray-700\"><strong>Juros totais:<\/strong> <span id=\"loan-interest\"><\/span><\/p>\n <\/div>\n <p class=\"text-xs text-gray-500 mt-3\">C\u00e1lculo pela f\u00f3rmula de amortiza\u00e7\u00e3o (tabela Price), apenas estimativa.<\/p>\n <\/div>\n <\/div>\n\n \n <div id=\"fi-panel-investment\" class=\"fi-panel\">\n <h3 class=\"text-xl font-bold mb-6\">Calculadora de Investimento (Aportes Mensais)<\/h3>\n\n <form id=\"investment-form\" class=\"space-y-4\" action=\"\">\n <div class=\"grid md:grid-cols-2 gap-4\">\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Aporte inicial (R$)<\/label>\n <input id=\"inv-initial\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 1000\" required>\n <\/div>\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Aporte mensal (R$)<\/label>\n <input id=\"inv-monthly\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 300\" required>\n <\/div>\n <\/div>\n\n <div class=\"grid md:grid-cols-2 gap-4\">\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Rentabilidade (ao m\u00eas %)<\/label>\n <input id=\"inv-rate\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 1.0\" required>\n <\/div>\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Per\u00edodo (meses)<\/label>\n <input id=\"inv-months\" type=\"number\" min=\"1\" step=\"1\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 36\" required>\n <\/div>\n <\/div>\n\n <button type=\"submit\" class=\"w-full bg-blue-600 text-white px-6 py-3 rounded-lg font-bold hover:bg-blue-700 transition\">\n Calcular montante\n <\/button>\n <input type=\"hidden\" name=\"trp-form-language\" value=\"es\"\/><\/form>\n\n <div id=\"investment-result\" class=\"mt-6 hidden\">\n <div class=\"bg-blue-50 border border-blue-200 rounded-lg p-4\">\n <p class=\"text-gray-700\"><strong>Montante final estimado:<\/strong> <span id=\"inv-final\"><\/span><\/p>\n <p class=\"text-gray-700\"><strong>Total investido:<\/strong> <span id=\"inv-invested\"><\/span><\/p>\n <p class=\"text-gray-700\"><strong>Rendimento estimado:<\/strong> <span id=\"inv-gain\"><\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div id=\"fi-panel-savings\" class=\"fi-panel\">\n <h3 class=\"text-xl font-bold mb-6\">Calculadora de Poupan\u00e7a (Meta)<\/h3>\n\n <form id=\"savings-form\" class=\"space-y-4\" action=\"\">\n <div class=\"grid md:grid-cols-2 gap-4\">\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Meta (R$)<\/label>\n <input id=\"sav-goal\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 20000\" required>\n <\/div>\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Quanto pode guardar por m\u00eas (R$)<\/label>\n <input id=\"sav-monthly\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 500\" required>\n <\/div>\n <\/div>\n\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Rentabilidade (ao m\u00eas % – opcional)<\/label>\n <input id=\"sav-rate\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 0.6\">\n <p class=\"text-xs text-gray-500 mt-2\">Se deixar vazio, calcula sem rendimento.<\/p>\n <\/div>\n\n <button type=\"submit\" class=\"w-full bg-blue-600 text-white px-6 py-3 rounded-lg font-bold hover:bg-blue-700 transition\">\n Calcular prazo\n <\/button>\n <input type=\"hidden\" name=\"trp-form-language\" value=\"es\"\/><\/form>\n\n <div id=\"savings-result\" class=\"mt-6 hidden\">\n <div class=\"bg-blue-50 border border-blue-200 rounded-lg p-4\">\n <p class=\"text-gray-700\"><strong>Prazo estimado:<\/strong> <span id=\"sav-time\"><\/span><\/p>\n <p class=\"text-gray-700\"><strong>Montante ao final:<\/strong> <span id=\"sav-final\"><\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <p class=\"text-center text-gray-600 mt-10 max-w-2xl mx-auto\">\n *Os c\u00e1lculos apresentados s\u00e3o estimativas e podem variar conforme as condi\u00e7\u00f5es reais.\n <\/p>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"articles\" class=\"py-16 bg-gray-50\">\n <div class=\"container mx-auto px-4\">\n <h2 class=\"text-3xl font-bold text-center mb-4\">Empr\u00e9stimo<\/h2>\n <p class=\"text-center text-gray-600 mb-12 max-w-2xl mx-auto\">\n Aprenda com nossos especialistas e tome decis\u00f5es financeiras mais inteligentes.\n <\/p>\n\n <div class=\"grid md:grid-cols-3 gap-8\">\n \n <\/div>\n\n <div class=\"text-center mt-12\">\n <a href=\"https:\/\/verticalinfos.com\/es\/category\/emprestimo\/\"\n class=\"inline-block bg-blue-600 text-white px-6 py-3 rounded-lg font-bold hover:bg-blue-700 transition\">\n Ver todos os artigos\n <\/a>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"py-16 bg-gray-50\">\n <div class=\"container mx-auto px-4\">\n <h2 class=\"text-3xl font-bold text-center mb-4\">Cart\u00e3o de Cr\u00e9dito<\/h2>\n <p class=\"text-center text-gray-600 mb-12 max-w-2xl mx-auto\">\n Aprenda com nossos especialistas e tome decis\u00f5es financeiras mais inteligentes.\n <\/p>\n\n <div class=\"grid md:grid-cols-3 gap-8\">\n \n <\/div>\n\n <div class=\"text-center mt-12\">\n <a href=\"https:\/\/verticalinfos.com\/es\/category\/cartao-de-credito\/\"\n class=\"inline-block bg-blue-600 text-white px-6 py-3 rounded-lg font-bold hover:bg-blue-700 transition\">\n Ver todos os artigos\n <\/a>\n <\/div>\n <\/div>\n <\/section>\n\n \n <footer class=\"bg-gray-900 text-white py-12\">\n <div class=\"container mx-auto px-4\">\n <div class=\"flex flex-col items-center justify-center text-center space-y-4\">\n <div class=\"flex items-center space-x-2\">\n <i class=\"fas fa-chart-line text-2xl\"><\/i>\n <h3 class=\"text-xl font-bold\">Finan\u00e7a Inteligente<\/h3>\n <\/div>\n\n <p class=\"text-gray-400 max-w-md\">\n Solu\u00e7\u00f5es financeiras personalizadas para ajudar voc\u00ea a alcan\u00e7ar seus objetivos.\n <\/p>\n\n <div class=\"text-gray-500 text-sm leading-relaxed mt-4\">\n <p>ALTA MIDIA LTDA<\/p>\n <p>CNPJ: 52.216.483\/0001-60<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/footer>\n\n \n <script>\n const formatBRL = (value) => value.toLocaleString(\"pt-BR\", { style: \"currency\", currency: \"BRL\" });\n\n \/\/ Empr\u00e9stimo (Price)\n document.getElementById(\"loan-form\")?.addEventListener(\"submit\", (e) => {\n e.preventDefault();\n const pv = Number(document.getElementById(\"loan-amount\").value);\n const ratePct = Number(document.getElementById(\"loan-rate\").value);\n const n = Number(document.getElementById(\"loan-months\").value);\n const i = ratePct \/ 100;\n\n let pmt;\n if (i === 0) pmt = pv \/ n;\n else pmt = pv * (i * Math.pow(1 + i, n)) \/ (Math.pow(1 + i, n) - 1);\n\n const total = pmt * n;\n const juros = total - pv;\n\n document.getElementById(\"loan-payment\").textContent = formatBRL(pmt);\n document.getElementById(\"loan-total\").textContent = formatBRL(total);\n document.getElementById(\"loan-interest\").textContent = formatBRL(juros);\n document.getElementById(\"loan-result\").classList.remove(\"hidden\");\n });\n\n \/\/ Investimento (juros compostos + aportes)\n document.getElementById(\"investment-form\")?.addEventListener(\"submit\", (e) => {\n e.preventDefault();\n const initial = Number(document.getElementById(\"inv-initial\").value);\n const monthly = Number(document.getElementById(\"inv-monthly\").value);\n const ratePct = Number(document.getElementById(\"inv-rate\").value);\n const months = Number(document.getElementById(\"inv-months\").value);\n const r = ratePct \/ 100;\n\n let balance = initial;\n for (let m = 1; m <= months; m++) balance = balance * (1 + r) + monthly;\n\n const invested = initial + (monthly * months);\n const gain = balance - invested;\n\n document.getElementById(\"inv-final\").textContent = formatBRL(balance);\n document.getElementById(\"inv-invested\").textContent = formatBRL(invested);\n document.getElementById(\"inv-gain\").textContent = formatBRL(gain);\n document.getElementById(\"investment-result\").classList.remove(\"hidden\");\n });\n\n \/\/ Poupan\u00e7a (meta)\n document.getElementById(\"savings-form\")?.addEventListener(\"submit\", (e) => {\n e.preventDefault();\n const goal = Number(document.getElementById(\"sav-goal\").value);\n const monthly = Number(document.getElementById(\"sav-monthly\").value);\n const rateRaw = document.getElementById(\"sav-rate\").value;\n const r = rateRaw ? Number(rateRaw) \/ 100 : 0;\n\n let months = 0;\n let balance = 0;\n\n while (balance < goal && months < 2000) {\n balance = balance * (1 + r) + monthly;\n months++;\n }\n\n const years = Math.floor(months \/ 12);\n const rem = months % 12;\n const timeText = years > 0 ? `${years} ano(s) e ${rem} m\u00eas(es) (\u2248 ${months} meses)` : `${months} m\u00eas(es)`;\n\n document.getElementById(\"sav-time\").textContent = timeText;\n document.getElementById(\"sav-final\").textContent = formatBRL(balance);\n document.getElementById(\"savings-result\").classList.remove(\"hidden\");\n });\n <\/script>\n\n<\/body>\n<\/html>\n\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Finan\u00e7a Inteligente – Solu\u00e7\u00f5es Financeiras Personalizadas Controle suas finan\u00e7as de forma inteligente Ferramentas e conselhos especializados para ajudar voc\u00ea a tomar decis\u00f5es financeiras mais informadas. Experimente nossas calculadoras Aprenda com nossos artigos Calculadoras Financeiras Empr\u00e9stimo Investimento Poupan\u00e7a Calculadora de Empr\u00e9stimo (Parcela Mensal) Valor do empr\u00e9stimo (R$) Taxa de juros (ao m\u00eas %) Prazo (meses) Calcular… <a href=\"https:\/\/verticalinfos.com\/es\/\" rel=\"bookmark\">Leer m\u00e1s »<span class=\"screen-reader-text\"><\/span><\/a><\/p>","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"class_list":["post-719","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/pages\/719","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/comments?post=719"}],"version-history":[{"count":33,"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/pages\/719\/revisions"}],"predecessor-version":[{"id":843,"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/pages\/719\/revisions\/843"}],"wp:attachment":[{"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/media?parent=719"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":719,"date":"2025-08-12T17:19:35","date_gmt":"2025-08-12T20:19:35","guid":{"rendered":"https:\/\/verticalinfos.com\/?page_id=719"},"modified":"2026-01-16T16:58:33","modified_gmt":"2026-01-16T19:58:33","slug":"719-2","status":"publish","type":"page","link":"https:\/\/verticalinfos.com\/es\/","title":{"rendered":""},"content":{"rendered":"\n\n\n \n \n Finan\u00e7a Inteligente – Solu\u00e7\u00f5es Financeiras Personalizadas<\/title>\n\n <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\n <link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.4.0\/css\/all.min.css\">\n\n <style>\n \/* TABS CSS-only (sem JS) *\/\n .fi-tab-radio { position: absolute; opacity: 0; pointer-events: none; }\n .fi-tab-label { transition: all 0.3s ease; cursor: pointer; user-select: none; }\n .fi-tab-radio:checked + .fi-tab-label { background-color: #3b82f6; color: #fff; }\n\n .fi-panel { display: none; }\n #fi-tab-loan:checked ~ .fi-panels #fi-panel-loan { display: block; }\n #fi-tab-investment:checked ~ .fi-panels #fi-panel-investment { display: block; }\n #fi-tab-savings:checked ~ .fi-panels #fi-panel-savings { display: block; }\n\n .article-card:hover {\n transform: translateY(-5px);\n box-shadow: 0 10px 25px rgba(0, 0, 0, 0.1);\n }\n <\/style>\n<\/head>\n\n<body class=\"font-sans bg-gray-50\">\n\n \n <section class=\"bg-gradient-to-r from-blue-500 to-blue-700 text-white py-16\">\n <div class=\"container mx-auto px-4 flex flex-col md:flex-row items-center\">\n <div class=\"md:w-1\/2 mb-10 md:mb-0\">\n <h2 class=\"text-4xl md:text-5xl font-bold mb-4\">Controle suas finan\u00e7as de forma inteligente<\/h2>\n <p class=\"text-xl mb-8\">\n Ferramentas e conselhos especializados para ajudar voc\u00ea a tomar decis\u00f5es financeiras mais informadas.\n <\/p>\n <div class=\"flex flex-col sm:flex-row gap-4\">\n <a href=\"#calculators\" class=\"bg-white text-blue-600 px-6 py-3 rounded-lg font-bold hover:bg-blue-50 transition text-center\">\n Experimente nossas calculadoras\n <\/a>\n <a href=\"#articles\" class=\"border-2 border-white px-6 py-3 rounded-lg font-bold hover:bg-blue-600 transition text-center\">\n Aprenda com nossos artigos\n <\/a>\n <\/div>\n <\/div>\n\n <div class=\"md:w-1\/2 flex justify-center\">\n <img decoding=\"async\"\n src=\"https:\/\/images.unsplash.com\/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1000&q=80\"\n alt=\"Finan\u00e7as\"\n class=\"rounded-xl shadow-2xl max-w-full\"\n >\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"calculators\" class=\"py-16 bg-white\">\n <div class=\"container mx-auto px-4\">\n <h2 class=\"text-3xl font-bold text-center mb-12\">Calculadoras Financeiras<\/h2>\n\n \n <div class=\"max-w-2xl mx-auto relative\">\n\n \n <input class=\"fi-tab-radio\" type=\"radio\" name=\"fi-tabs\" id=\"fi-tab-loan\" checked>\n <input class=\"fi-tab-radio\" type=\"radio\" name=\"fi-tabs\" id=\"fi-tab-investment\">\n <input class=\"fi-tab-radio\" type=\"radio\" name=\"fi-tabs\" id=\"fi-tab-savings\">\n\n \n <div class=\"bg-gray-100 rounded-xl p-1 mb-8 max-w-md mx-auto flex\">\n <label for=\"fi-tab-loan\" class=\"fi-tab-label flex-1 py-3 rounded-lg text-center\">Empr\u00e9stimo<\/label>\n <label for=\"fi-tab-investment\" class=\"fi-tab-label flex-1 py-3 rounded-lg text-center\">Investimento<\/label>\n <label for=\"fi-tab-savings\" class=\"fi-tab-label flex-1 py-3 rounded-lg text-center\">Poupan\u00e7a<\/label>\n <\/div>\n\n \n <div class=\"fi-panels bg-white rounded-xl shadow-lg p-6\">\n \n <div id=\"fi-panel-loan\" class=\"fi-panel\">\n <h3 class=\"text-xl font-bold mb-6\">Calculadora de Empr\u00e9stimo (Parcela Mensal)<\/h3>\n\n <form id=\"loan-form\" class=\"space-y-4\" action=\"\">\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Valor do empr\u00e9stimo (R$)<\/label>\n <input id=\"loan-amount\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 10000\" required>\n <\/div>\n\n <div class=\"grid md:grid-cols-2 gap-4\">\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Taxa de juros (ao m\u00eas %)<\/label>\n <input id=\"loan-rate\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 2.5\" required>\n <\/div>\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Prazo (meses)<\/label>\n <input id=\"loan-months\" type=\"number\" min=\"1\" step=\"1\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 24\" required>\n <\/div>\n <\/div>\n\n <button type=\"submit\" class=\"w-full bg-blue-600 text-white px-6 py-3 rounded-lg font-bold hover:bg-blue-700 transition\">\n Calcular parcela\n <\/button>\n <input type=\"hidden\" name=\"trp-form-language\" value=\"es\"\/><\/form>\n\n <div id=\"loan-result\" class=\"mt-6 hidden\">\n <div class=\"bg-blue-50 border border-blue-200 rounded-lg p-4\">\n <p class=\"text-gray-700\"><strong>Parcela estimada:<\/strong> <span id=\"loan-payment\"><\/span><\/p>\n <p class=\"text-gray-700\"><strong>Total pago:<\/strong> <span id=\"loan-total\"><\/span><\/p>\n <p class=\"text-gray-700\"><strong>Juros totais:<\/strong> <span id=\"loan-interest\"><\/span><\/p>\n <\/div>\n <p class=\"text-xs text-gray-500 mt-3\">C\u00e1lculo pela f\u00f3rmula de amortiza\u00e7\u00e3o (tabela Price), apenas estimativa.<\/p>\n <\/div>\n <\/div>\n\n \n <div id=\"fi-panel-investment\" class=\"fi-panel\">\n <h3 class=\"text-xl font-bold mb-6\">Calculadora de Investimento (Aportes Mensais)<\/h3>\n\n <form id=\"investment-form\" class=\"space-y-4\" action=\"\">\n <div class=\"grid md:grid-cols-2 gap-4\">\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Aporte inicial (R$)<\/label>\n <input id=\"inv-initial\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 1000\" required>\n <\/div>\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Aporte mensal (R$)<\/label>\n <input id=\"inv-monthly\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 300\" required>\n <\/div>\n <\/div>\n\n <div class=\"grid md:grid-cols-2 gap-4\">\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Rentabilidade (ao m\u00eas %)<\/label>\n <input id=\"inv-rate\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 1.0\" required>\n <\/div>\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Per\u00edodo (meses)<\/label>\n <input id=\"inv-months\" type=\"number\" min=\"1\" step=\"1\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 36\" required>\n <\/div>\n <\/div>\n\n <button type=\"submit\" class=\"w-full bg-blue-600 text-white px-6 py-3 rounded-lg font-bold hover:bg-blue-700 transition\">\n Calcular montante\n <\/button>\n <input type=\"hidden\" name=\"trp-form-language\" value=\"es\"\/><\/form>\n\n <div id=\"investment-result\" class=\"mt-6 hidden\">\n <div class=\"bg-blue-50 border border-blue-200 rounded-lg p-4\">\n <p class=\"text-gray-700\"><strong>Montante final estimado:<\/strong> <span id=\"inv-final\"><\/span><\/p>\n <p class=\"text-gray-700\"><strong>Total investido:<\/strong> <span id=\"inv-invested\"><\/span><\/p>\n <p class=\"text-gray-700\"><strong>Rendimento estimado:<\/strong> <span id=\"inv-gain\"><\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div id=\"fi-panel-savings\" class=\"fi-panel\">\n <h3 class=\"text-xl font-bold mb-6\">Calculadora de Poupan\u00e7a (Meta)<\/h3>\n\n <form id=\"savings-form\" class=\"space-y-4\" action=\"\">\n <div class=\"grid md:grid-cols-2 gap-4\">\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Meta (R$)<\/label>\n <input id=\"sav-goal\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 20000\" required>\n <\/div>\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Quanto pode guardar por m\u00eas (R$)<\/label>\n <input id=\"sav-monthly\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 500\" required>\n <\/div>\n <\/div>\n\n <div>\n <label class=\"block text-sm font-semibold text-gray-700 mb-1\">Rentabilidade (ao m\u00eas % – opcional)<\/label>\n <input id=\"sav-rate\" type=\"number\" min=\"0\" step=\"0.01\" class=\"w-full border rounded-lg p-3\" placeholder=\"Ex.: 0.6\">\n <p class=\"text-xs text-gray-500 mt-2\">Se deixar vazio, calcula sem rendimento.<\/p>\n <\/div>\n\n <button type=\"submit\" class=\"w-full bg-blue-600 text-white px-6 py-3 rounded-lg font-bold hover:bg-blue-700 transition\">\n Calcular prazo\n <\/button>\n <input type=\"hidden\" name=\"trp-form-language\" value=\"es\"\/><\/form>\n\n <div id=\"savings-result\" class=\"mt-6 hidden\">\n <div class=\"bg-blue-50 border border-blue-200 rounded-lg p-4\">\n <p class=\"text-gray-700\"><strong>Prazo estimado:<\/strong> <span id=\"sav-time\"><\/span><\/p>\n <p class=\"text-gray-700\"><strong>Montante ao final:<\/strong> <span id=\"sav-final\"><\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <p class=\"text-center text-gray-600 mt-10 max-w-2xl mx-auto\">\n *Os c\u00e1lculos apresentados s\u00e3o estimativas e podem variar conforme as condi\u00e7\u00f5es reais.\n <\/p>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"articles\" class=\"py-16 bg-gray-50\">\n <div class=\"container mx-auto px-4\">\n <h2 class=\"text-3xl font-bold text-center mb-4\">Empr\u00e9stimo<\/h2>\n <p class=\"text-center text-gray-600 mb-12 max-w-2xl mx-auto\">\n Aprenda com nossos especialistas e tome decis\u00f5es financeiras mais inteligentes.\n <\/p>\n\n <div class=\"grid md:grid-cols-3 gap-8\">\n \n <\/div>\n\n <div class=\"text-center mt-12\">\n <a href=\"https:\/\/verticalinfos.com\/es\/category\/emprestimo\/\"\n class=\"inline-block bg-blue-600 text-white px-6 py-3 rounded-lg font-bold hover:bg-blue-700 transition\">\n Ver todos os artigos\n <\/a>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"py-16 bg-gray-50\">\n <div class=\"container mx-auto px-4\">\n <h2 class=\"text-3xl font-bold text-center mb-4\">Cart\u00e3o de Cr\u00e9dito<\/h2>\n <p class=\"text-center text-gray-600 mb-12 max-w-2xl mx-auto\">\n Aprenda com nossos especialistas e tome decis\u00f5es financeiras mais inteligentes.\n <\/p>\n\n <div class=\"grid md:grid-cols-3 gap-8\">\n \n <\/div>\n\n <div class=\"text-center mt-12\">\n <a href=\"https:\/\/verticalinfos.com\/es\/category\/cartao-de-credito\/\"\n class=\"inline-block bg-blue-600 text-white px-6 py-3 rounded-lg font-bold hover:bg-blue-700 transition\">\n Ver todos os artigos\n <\/a>\n <\/div>\n <\/div>\n <\/section>\n\n \n <footer class=\"bg-gray-900 text-white py-12\">\n <div class=\"container mx-auto px-4\">\n <div class=\"flex flex-col items-center justify-center text-center space-y-4\">\n <div class=\"flex items-center space-x-2\">\n <i class=\"fas fa-chart-line text-2xl\"><\/i>\n <h3 class=\"text-xl font-bold\">Finan\u00e7a Inteligente<\/h3>\n <\/div>\n\n <p class=\"text-gray-400 max-w-md\">\n Solu\u00e7\u00f5es financeiras personalizadas para ajudar voc\u00ea a alcan\u00e7ar seus objetivos.\n <\/p>\n\n <div class=\"text-gray-500 text-sm leading-relaxed mt-4\">\n <p>ALTA MIDIA LTDA<\/p>\n <p>CNPJ: 52.216.483\/0001-60<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/footer>\n\n \n <script>\n const formatBRL = (value) => value.toLocaleString(\"pt-BR\", { style: \"currency\", currency: \"BRL\" });\n\n \/\/ Empr\u00e9stimo (Price)\n document.getElementById(\"loan-form\")?.addEventListener(\"submit\", (e) => {\n e.preventDefault();\n const pv = Number(document.getElementById(\"loan-amount\").value);\n const ratePct = Number(document.getElementById(\"loan-rate\").value);\n const n = Number(document.getElementById(\"loan-months\").value);\n const i = ratePct \/ 100;\n\n let pmt;\n if (i === 0) pmt = pv \/ n;\n else pmt = pv * (i * Math.pow(1 + i, n)) \/ (Math.pow(1 + i, n) - 1);\n\n const total = pmt * n;\n const juros = total - pv;\n\n document.getElementById(\"loan-payment\").textContent = formatBRL(pmt);\n document.getElementById(\"loan-total\").textContent = formatBRL(total);\n document.getElementById(\"loan-interest\").textContent = formatBRL(juros);\n document.getElementById(\"loan-result\").classList.remove(\"hidden\");\n });\n\n \/\/ Investimento (juros compostos + aportes)\n document.getElementById(\"investment-form\")?.addEventListener(\"submit\", (e) => {\n e.preventDefault();\n const initial = Number(document.getElementById(\"inv-initial\").value);\n const monthly = Number(document.getElementById(\"inv-monthly\").value);\n const ratePct = Number(document.getElementById(\"inv-rate\").value);\n const months = Number(document.getElementById(\"inv-months\").value);\n const r = ratePct \/ 100;\n\n let balance = initial;\n for (let m = 1; m <= months; m++) balance = balance * (1 + r) + monthly;\n\n const invested = initial + (monthly * months);\n const gain = balance - invested;\n\n document.getElementById(\"inv-final\").textContent = formatBRL(balance);\n document.getElementById(\"inv-invested\").textContent = formatBRL(invested);\n document.getElementById(\"inv-gain\").textContent = formatBRL(gain);\n document.getElementById(\"investment-result\").classList.remove(\"hidden\");\n });\n\n \/\/ Poupan\u00e7a (meta)\n document.getElementById(\"savings-form\")?.addEventListener(\"submit\", (e) => {\n e.preventDefault();\n const goal = Number(document.getElementById(\"sav-goal\").value);\n const monthly = Number(document.getElementById(\"sav-monthly\").value);\n const rateRaw = document.getElementById(\"sav-rate\").value;\n const r = rateRaw ? Number(rateRaw) \/ 100 : 0;\n\n let months = 0;\n let balance = 0;\n\n while (balance < goal && months < 2000) {\n balance = balance * (1 + r) + monthly;\n months++;\n }\n\n const years = Math.floor(months \/ 12);\n const rem = months % 12;\n const timeText = years > 0 ? `${years} ano(s) e ${rem} m\u00eas(es) (\u2248 ${months} meses)` : `${months} m\u00eas(es)`;\n\n document.getElementById(\"sav-time\").textContent = timeText;\n document.getElementById(\"sav-final\").textContent = formatBRL(balance);\n document.getElementById(\"savings-result\").classList.remove(\"hidden\");\n });\n <\/script>\n\n<\/body>\n<\/html>\n\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Finan\u00e7a Inteligente – Solu\u00e7\u00f5es Financeiras Personalizadas Controle suas finan\u00e7as de forma inteligente Ferramentas e conselhos especializados para ajudar voc\u00ea a tomar decis\u00f5es financeiras mais informadas. Experimente nossas calculadoras Aprenda com nossos artigos Calculadoras Financeiras Empr\u00e9stimo Investimento Poupan\u00e7a Calculadora de Empr\u00e9stimo (Parcela Mensal) Valor do empr\u00e9stimo (R$) Taxa de juros (ao m\u00eas %) Prazo (meses) Calcular… <a href=\"https:\/\/verticalinfos.com\/es\/\" rel=\"bookmark\">Leer m\u00e1s »<span class=\"screen-reader-text\"><\/span><\/a><\/p>","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"class_list":["post-719","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/pages\/719","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/comments?post=719"}],"version-history":[{"count":33,"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/pages\/719\/revisions"}],"predecessor-version":[{"id":843,"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/pages\/719\/revisions\/843"}],"wp:attachment":[{"href":"https:\/\/verticalinfos.com\/es\/wp-json\/wp\/v2\/media?parent=719"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}