Como funciona na prática.
PGTO é uma função essencial no Excel. Calcula o pagamento de um empréstimo com base em pagamentos e taxa de juros constantes. Facilita a automação de relatórios, otimiza consultas de dados e garante máxima produtividade no seu fluxo de trabalho.
💡 Em termos simples.
Calculates the monthly payment for a loan (like a house mortgage or car loan) based on interest rate and loan term.
"Think of this like calculating how much pocket money you have to pay back each month for buying a console on loan."
Sintaxe.
Notação Oficial do Excel=PGTO(taxa; nper; vp; [vf]; [tipo])Argumentos.
Confira abaixo o detalhamento de cada parâmetro aceito por esta função.
The interest rate for the loan. Divide annual rate by 12 for monthly.
Exemplo:B2/12The total number of payments for the loan. Multiply years by 12 for monthly.
Exemplo:C2*12The present value, or the total amount that a series of future payments is worth now (loan principal).
Exemplo:A2The future value, or cash balance wanted after last payment is made. Defaults to 0.
Padrão: 00 = Payments due at end of period (default), 1 = Payments due at start of period.
Padrão: 0Exemplo passo a passo.
Cenário de AplicaçãoMortgage Monthly Payment Calculator
Calculate the monthly payment for a loan principal, annual interest rate, and term in years.
| Loan Principal | Annual Rate | Term (Years) | Monthly Payment | Units |
|---|---|---|---|---|
| 250000 | 0.045 | 30 | — | Monthly interest rate = B2/12 |
| 15000 | 0.060 | 5 | — | Monthly periods = C2*12 |
| 350000 | 0.052 | 15 | — | — |
=-PMT(B2/12, C2*12, A2)Evaluates PMT over the sample table cells, placing the verified output in cell D2:D6.
Gerador de fórmula.
Abrir Assistente CompletoPreencha os campos abaixo para gerar uma fórmula pronta para copiar e colar na sua planilha.
=PGTO()Comportamento do resultado.
Returns "Calculated output" based on sample evaluation criteria and active cell references.
Boas Práticas
- The payment returned by PMT is a negative number because it represents cash going out. Wrap the PV or the entire formula in a minus sign (e.g. `=-PMT(...)`) to display the result as a positive number.
- Be extremely careful to use consistent units for rate and nper.
Erros Mais Comuns
- PMT calculates principal and interest only. It does not account for taxes, insurance, or transaction fees.
Compatibilidade de software e versão.
Validação técnica fundamentada nas especificações oficiais da Microsoft e do Google.
Core standard function supported across all modern and legacy Microsoft Excel versions (365, 2021, 2019, 2016, 2013, 2010), as well as Excel for the Web and Mac.
100% compatible with Google Sheets. Uses identical argument order, data types, and standard calculation logic.
Perguntas frequentes.
Dúvidas TécnicasCan I use PMT across different worksheets in Excel?↓
Yes. You can reference cells located on other sheets by including the sheet name followed by an exclamation mark, for example: =PMT(Sheet2!A2:A10). If the sheet name contains spaces, enclose it in single quotes: ='Q1 Report'!A2:A10.
What is the most common reason for errors in PMT?↓
PMT calculates principal and interest only. It does not account for taxes, insurance, or transaction fees.
Does PMT work identically in Google Sheets?↓
Yes, PMT is supported in both Microsoft Excel and Google Sheets with standard evaluation behavior.