matematica-financeira

What problem does it solve?

Deliver precise, auditable financial calculations and clear explanations for interest, amortization, discounts, investment viability metrics, and indexer adjustments used in Brazil, reducing manual errors and ambiguity in monetary flows and legal liquidations.

Core Features & Use Cases

• Interest calculations: simple and compound interest with clear development and final amounts.
• Amortization systems: full SAC and Price simulations with period-by-period tables and interpretations.
• Investment analysis: VPL, TIR and payback (simple and discounted) with convergence criteria and warnings about multiple IRRs.
• Discounts and conversions: commercial and rational discounts, rate equivalence (annual ↔ monthly ↔ daily using Brazil's 252 business-day basis).
• Brazil-specific context: guidance on SELIC, CDI, IPCA, IGP-M conventions and judicial liquidation pitfalls (EC 113/2021, currency conversion, interest start dates).
• Precision and reproducibility: enforces decimal arithmetic, banker's rounding (ROUND_HALF_EVEN), and offers Python Decimal code snippets for reproducible results.
• Use case: simulate a mortgage amortization table, compare SAC vs Price by VP, or compute corrected judicial debt respecting currency history and legal marcos.

Quick Start

Calculate an SAC amortization table for R$100000 at 2% monthly over 4 months and provide the step-by-step math, final table, and a Python Decimal snippet demonstrating the computation.