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["APURAÇÃO DE CUSTEIO INDIVIDUAL E DESTINAÇÃO DAS CONTRIBUIÇÕES"]
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[111,4290.25,{"$f":"B116/B115","v":0.36272711380455686},0.63727288619544309,2734.06,32.402189705589663,{"$f":"SUM(F115:$F$134)","v":48.083594656008536},2923.2200000000003,{"$f":"SUM(H115:H$134)","v":4350.4050000000007},1.0140213274284717,18.833163204639163,null,111,13966.157767386214,{"$f":"N116/N115","v":0.36272753850496697},0.63727246149503303,8900.2477380501878,105.47965583288683,{"$f":"SUM($R115:R$134)","v":156.52746765477045},9516.03389836112,{"$f":"SUM(T115:T$134)","v":14161.942434293793},1.0140185060321154,18.83313157944448,null,{"$f":"IF($Y$2=\"F\",TbSobrVAL!V115,TbSobrVAL!J115)","v":1.0140213274284717}]
[112,1556.19,{"$f":"B117/B116","v":0.31576478450574802},{"$f":"1-C116","v":0.68423521549425192},1064.8000000000002,11.247036127135186,{"$f":"SUM(F116:$F$134)","v":15.681404950418864},1023.79,{"$f":"SUM(H116:H$134)","v":1427.1849999999999},0.91710202481702097,{"$f":"(12*G116/F116-11/24)+G116/F116","v":17.667176538872571},null,112,5065.9100293360261,{"$f":"N117/N116","v":0.31576178185889903},0.68423821814110097,3466.2892517360151,36.61279992594654,{"$f":"SUM($R116:R$134)","v":51.047811821883599},3332.7654034680186,{"$f":"SUM(T116:T$134)","v":4645.9085359326746},0.91709258731971599,{"$f":"(12*S116/R116-11/24)+S116/R116","v":17.667064205962628},null,{"$f":"IF($Y$2=\"F\",TbSobrVAL!V116,TbSobrVAL!J116)","v":0.91710202481702097}]
[113,491.39,{"$f":"B118/B117","v":0.26512546042858015},{"$f":"1-C117","v":0.73487453957141979},361.11,3.3984860660413436,{"$f":"SUM(F117:$F$134)","v":4.4343688232836795},310.83499999999998,{"$f":"SUM(H117:H$134)","v":403.39499999999992},0.82092635177761031,16.504159253795766,null,113,1599.620777600011,{"$f":"N118/N117","v":0.26511763672591004},0.73488236327408996,1175.5330973850337,11.063084156421288,{"$f":"SUM($R117:R$134)","v":14.435011895937063},1011.8542289074942,{"$f":"SUM(T117:T$134)","v":1313.1431324646555},0.82090902472198957,{"$f":"(12*S117/R117-11/24)+S117/R117","v":16.503948792873047},null,{"$f":"IF($Y$2=\"F\",TbSobrVAL!V117,TbSobrVAL!J117)","v":0.82092635177761031}]
[114,130.28,{"$f":"B119/B118","v":0.210469757445502},{"$f":"1-C118","v":0.789530242554498},102.86,0.86222505552088569,{"$f":"SUM(F118:$F$134)","v":1.0358827572423357},78.849999999999994,{"$f":"SUM(H118:H$134)","v":92.56},0.710469757445502,15.159950730582002,null,114,424.08768021497747,{"$f":"N119/N118","v":0.21044012267565204},0.78955987732434796,334.84261676530491,2.8067164846414077,{"$f":"SUM($R118:R$134)","v":3.3719277395157738},256.66637183232501,{"$f":"SUM(T118:T$134)","v":301.28890355716129},0.71044012267565204,{"$f":"(12*S118/R118-11/24)+S118/R118","v":15.159582068373341},null,{"$f":"IF($Y$2=\"F\",TbSobrVAL!V118,TbSobrVAL!J118)","v":0.710469757445502}]
[115,27.42,{"$f":"B120/B119","v":0},{"$f":"1-C119","v":1},27.42,0.17365770172145006,{"$f":"SUM(F119:$F$134)","v":0.17365770172145006},13.71,{"$f":"SUM(H119:H$134)","v":13.71},0.5,12.541666666666668,null,115,89.245063449672557,{"$f":"N120/N119","v":0},1,89.245063449672557,0.56521125487436619,{"$f":"SUM($R119:R$134)","v":0.56521125487436619},44.622531724836278,{"$f":"SUM(T119:T$134)","v":44.622531724836278},0.5,{"$f":"(12*S119/R119-11/24)+S119/R119","v":12.541666666666666},null,{"$f":"IF($Y$2=\"F\",TbSobrVAL!V119,TbSobrVAL!J119)","v":0.5}]
[116,0,null,null,0,0,{"$f":"SUM(F120:$F$134)","v":0},0,{"$f":"SUM(H120:H$134)","v":0},null,null,null,116,0,null,null,0,0,{"$f":"SUM($R120:R$134)","v":0},0,{"$f":"SUM(T120:T$134)","v":0}]
[117,null,null,null,0,0,{"$f":"SUM(F121:$F$134)","v":0},0,{"$f":"SUM(H121:H$134)","v":0},null,null,null,117,null,null,null,0,0,{"$f":"SUM($R121:R$134)","v":0},0,{"$f":"SUM(T121:T$134)","v":0}]
[118,null,null,null,0,0,{"$f":"SUM(F122:$F$134)","v":0},0,{"$f":"SUM(H122:H$134)","v":0},null,null,null,118,null,null,null,0,0,{"$f":"SUM($R122:R$134)","v":0},0,{"$f":"SUM(T122:T$134)","v":0}]
[119,null,null,null,0,0,{"$f":"SUM(F123:$F$134)","v":0},0,{"$f":"SUM(H123:H$134)","v":0},null,null,null,119,null,null,null,0,0,{"$f":"SUM($R123:R$134)","v":0},0,{"$f":"SUM(T123:T$134)","v":0}]
[120,null,null,null,0,0,{"$f":"SUM(F124:$F$134)","v":0},0,{"$f":"SUM(H124:H$134)","v":0},null,null,null,120,null,null,null,0,0,{"$f":"SUM($R124:R$134)","v":0},0,{"$f":"SUM(T124:T$134)","v":0}]
[121,null,null,null,0,0,{"$f":"SUM(F125:$F$134)","v":0},0,{"$f":"SUM(H125:H$134)","v":0},null,null,null,121,null,null,null,0,0,{"$f":"SUM($R125:R$134)","v":0},0,{"$f":"SUM(T125:T$134)","v":0}]
[122,null,null,null,0,0,{"$f":"SUM(F126:$F$134)","v":0},0,{"$f":"SUM(H126:H$134)","v":0},null,null,null,122,null,null,null,0,0,{"$f":"SUM($R126:R$134)","v":0},0,{"$f":"SUM(T126:T$134)","v":0}]
[123,null,null,null,0,0,{"$f":"SUM(F127:$F$134)","v":0},0,{"$f":"SUM(H127:H$134)","v":0},null,null,null,123,null,null,null,0,0,{"$f":"SUM($R127:R$134)","v":0},0,{"$f":"SUM(T127:T$134)","v":0}]
[124,null,null,null,0,0,{"$f":"SUM(F128:$F$134)","v":0},0,{"$f":"SUM(H128:H$134)","v":0},null,null,null,124,null,null,null,0,0,{"$f":"SUM($R128:R$134)","v":0},0,{"$f":"SUM(T128:T$134)","v":0}]
[125,null,null,null,0,0,{"$f":"SUM(F129:$F$134)","v":0},0,{"$f":"SUM(H129:H$134)","v":0},null,null,null,125,null,null,null,0,0,{"$f":"SUM($R129:R$134)","v":0},0,{"$f":"SUM(T129:T$134)","v":0}]
[126,null,null,null,0,0,{"$f":"SUM(F130:$F$134)","v":0},0,{"$f":"SUM(H130:H$134)","v":0},null,null,null,126,null,null,null,0,0,{"$f":"SUM($R130:R$134)","v":0},0,{"$f":"SUM(T130:T$134)","v":0}]
[127,null,null,null,0,0,{"$f":"SUM(F131:$F$134)","v":0},0,{"$f":"SUM(H131:H$134)","v":0},null,null,null,127,null,null,null,0,0,{"$f":"SUM($R131:R$134)","v":0},0,{"$f":"SUM(T131:T$134)","v":0}]
[128,null,null,null,0,0,{"$f":"SUM(F132:$F$134)","v":0},0,{"$f":"SUM(H132:H$134)","v":0},null,null,null,128,null,null,null,0,0,{"$f":"SUM($R132:R$134)","v":0},0,{"$f":"SUM(T132:T$134)","v":0}]
[{"$f":"A132+1","v":129},null,null,null,0,0,{"$f":"SUM(F133:$F$134)","v":0},{"$f":"(B133+B134)/2","v":0},{"$f":"SUM(H133:H$134)","v":0},null,null,null,{"$f":"M132+1","v":129},null,null,null,0,0,{"$f":"SUM($R133:R$134)","v":0},{"$f":"(N133+N134)/2","v":0},{"$f":"SUM(T133:T$134)","v":0}]
[{"$f":"A133+1","v":130},null,null,null,{"$f":"B134-B135","v":0},{"$f":"B134*(1/(1+$C$1)^A134)","v":0},{"$f":"SUM(F134:$F$134)","v":0},{"$f":"(B134+B135)/2","v":0},{"$f":"SUM(H134:H$134)","v":0},null,null,null,{"$f":"M133+1","v":130},null,null,null,{"$f":"N134-N135","v":0},{"$f":"N134*(1/(1+$C$1)^M134)","v":0},{"$f":"SUM($R134:R$134)","v":0},{"$f":"(N134+N135)/2","v":0},{"$f":"SUM(T134:T$134)","v":0}]

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[]
[null,null,null,null,null,null,null,null,{"$f":"ATENDIMENTO!I2","v":"Nome"}]
[null,null,null,null,null,null,null,null,{"$f":"ATENDIMENTO!I3","v":"Assessor Previdenciário"}]
[null,null,null,null,null,null,null,"E-mail:",{"$f":"ATENDIMENTO!I4","v":"@ceprevcom.com.br"}]
[null,null,null,null,null,null,null,null,{"$f":"ATENDIMENTO!I5","v":"(85) 99999-9999"}]
[null,"PARA USO PELA EQUIPE DE CONSULTORES DA CE-PREVCOM"]
[null,"Assessoria Previdenciária"]
[null,"Nome:",{"$f":"IF(ATENDIMENTO!C8=\"\",\"\",ATENDIMENTO!C8)","v":""},null,null,null,"Órgão:",{"$f":"IF(ATENDIMENTO!H8=\"\",\"\",ATENDIMENTO!H8)","v":""},"Matrícula:",{"$f":"IF(ATENDIMENTO!J8=\"\",\"\",ATENDIMENTO!J8)","v":""}]
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[null,"ANOTAÇÕES"]
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{"sheet":"RESUMO ATEND","index":3,"n_rows":41,"n_cols":9,"rows_kept":41,"cut":false,"hidden":true,"merged":[[6,1,6,8],[20,1,20,8],[21,1,21,8],[22,1,22,8],[1,7,1,8],[2,7,2,8],[3,7,3,8],[4,7,4,8],[5,1,5,8],[27,1,27,8],[42,1,43,4],[15,1,15,8],[16,1,16,8],[7,2,7,4],[26,2,26,8],[38,1,38,8],[31,2,31,8],[35,1,35,8],[36,2,36,8],[37,2,37,8]]}
[]
[null,null,null,null,null,null,null,{"$f":"ATENDIMENTO!I2","v":"Nome"}]
[null,null,null,null,{"$f":"IF(ATENDIMENTO!E3=\"\",\"\",ATENDIMENTO!E3)","v":""},null,null,{"$f":"ATENDIMENTO!I3","v":"Assessor Previdenciário"}]
[null,null,null,null,null,null,"E-mail:",{"$f":"ATENDIMENTO!I4","v":"@ceprevcom.com.br"}]
[null,null,null,null,null,null,null,{"$f":"ATENDIMENTO!I5","v":"(85) 99999-9999"}]
[null,"PARA USO PELA EQUIPE DE CONSULTORES DA CE-PREVCOM"]
[null,"Assessoria Previdenciária"]
[null,"Nome:",{"$f":"IF(ATENDIMENTO!C8=\"\",\"\",ATENDIMENTO!C8)","v":""},null,null,"Órgão:",{"$f":"IF(ATENDIMENTO!H8=\"\",\"\",ATENDIMENTO!H8)","v":""},"Matrícula:",{"$f":"IF(ATENDIMENTO!J8=\"\",\"\",ATENDIMENTO!J8)","v":""}]
[null,"Data Nascimento:",{"$f":"IF('2-Entrada de Dados'!K11=\"\",\"\",'2-Entrada de Dados'!K11)","v":""},null,"Idade Atual:",{"$f":"'Anexo I - Parametros'!K14","v":125}]
[null,"CPF:",{"$f":"IF(ATENDIMENTO!E9=\"\",\"\",ATENDIMENTO!E9)","v":""},null,"Tipo Participante:",{"$f":"'1-Tipo Simulacao'!K28","v":"PATROCINADO"},null,"Remun. Bruta:",{"$f":"'Anexo I - Parametros'!K18","v":0}]
[null,"Tempo Ctb.:",{"$f":"IF(ATENDIMENTO!J10=\"\",\"\",ATENDIMENTO!J10)","v":"-"},null,"Tempo Restante:",{"$f":"IF(I12=\"\",\"\", INT((EDATE(C9,C12*12)-I12)/365.25) & \" anos e \"&  INT(((EDATE(C9,C12*12) - I12) - INT((EDATE(C9,C12*12)-I12)/365.25)*365.25)/365*12)& \" meses\")","v":""},null,"Data de Ingresso:",{"$f":"IF(ATENDIMENTO!H10=\"\",\"\",ATENDIMENTO!H10)","v":""}]
[null,"Idade Aposentadoria:",{"$f":"'Anexo I - Parametros'!K15","v":0},null,"Regime:",{"$f":"IF(ATENDIMENTO!H11=\"\",\"\",ATENDIMENTO!H11)","v":""},null,"Data Simulação:",{"$f":"IF('2-Entrada de Dados'!K16=0,\"\",'2-Entrada de Dados'!K16)","v":""}]
[]
[null,"RESUMO RELATÓRIO COMPARATIVO"]
[]
[null,{"$f":"\"Ao aderir à CE-PREVCOM com uma alíquota de \"&TEXT('2-Entrada de Dados'!K43,\"0,00%\")&\", a contribuição mensal seria de R$ \" & TEXT(-ATENDIMENTO!E19,\"#.##0,00\") & IF(SUM(ATENDIMENTO!H51:H52)=0,\"\",\". Optando por acrescentar uma Parcela Adicional de Risco (PAR) de R$ \"&TEXT(SUM(ATENDIMENTO!H51:H52),\"#.##0,00\") &\" para a cobertura de morte ou invalidez, o total bruto descontado em folha seria de R$ \"& TEXT(-SUM(ATENDIMENTO!E19:E20),\"#.##0,00\")) &\".\"","v":"Ao aderir à CE-PREVCOM com uma alíquota de 8,50%, a contribuição mensal seria de R$ 0,00."}]
[null,{"$f":"\"Devido ao benefício fiscal de dedução do Imposto de Renda na Fonte, o impacto líquido mensal na remuneração seria de R$ \" & TEXT(-ATENDIMENTO!E24,\"#.##0,00\") &\", com uma redução de R$ \" & TEXT(-(ATENDIMENTO!D22-ATENDIMENTO!E22),\"#.##0,00\") &\" no imposto retido. \"","v":"Devido ao benefício fiscal de dedução do Imposto de Renda na Fonte, o impacto líquido mensal na remuneração seria de R$ 0,00, com uma redução de R$ 0,00 no imposto retido. "}]
[]
[null,{"$f":"\"Projeção de Aposentadoria (aos \"&'2-Entrada de Dados'!K21&\" anos)\"","v":"Projeção de Aposentadoria (aos  anos)"}]
[]
[null,{"$f":"\"A simulação projeta que, aos \"&'2-Entrada de Dados'!K21&\" anos, terá um saldo total acumulado na CE-PREVCOM de R$ \"&TEXT('2-Entrada de Dados'!K56,\"#.##0,00\")&\". Este valor é composto por suas contribuições (R$ \"&TEXT(ATENDIMENTO!I29,\"#.##0,00\")&\")\"& IF(ATENDIMENTO!I30>0,\", pelas contribuições feitas pelo Patrocinador (R$ \" &TEXT(ATENDIMENTO!I30,\"#.##0,00\")&\")\",\"\") &\" e pelo retorno dos investimentos (R$ \"&TEXT(ATENDIMENTO!I31,\"#.##0,00\")&\").\"","v":"A simulação projeta que, aos  anos, terá um saldo total acumulado na CE-PREVCOM de R$ 0,00. Este valor é composto por suas contribuições (R$ 0,00) e pelo retorno dos investimentos (R$ 0,00)."}]
[null,{"$f":"\"Ao se aposentar, poderá optar por receber um Benefício em Pagamento Único de até 25% desse saldo (R$ \"&TEXT(ATENDIMENTO!I32*25%, \"#.##0,00\")&\"), e o restante (R$ \"&TEXT(ATENDIMENTO!I32*75%, \"#.##0,00\")&\") poderá ser recebido em forma de renda por um período que pode variar de 5 a 30 anos. \"","v":"Ao se aposentar, poderá optar por receber um Benefício em Pagamento Único de até 25% desse saldo (R$ 0,00), e o restante (R$ 0,00) poderá ser recebido em forma de renda por um período que pode variar de 5 a 30 anos. "}]
[null,{"$f":"\"Considerando a distribuição do saldo total de R$ \"&TEXT('2-Entrada de Dados'!K56,\"#.##0,00\")&\" em \"&'2-Entrada de Dados'!K58&\" anos, receberia um benefício complementar mensal da CE-PREVCOM de R$ \"&TEXT(ATENDIMENTO!J18,\"#.##0,00\")&\". Isso resultaria em uma aposentadoria líquida total (RGPS + CE-PREVCOM) de R$ \"&TEXT(ATENDIMENTO!J23,\"#.##0,00\")&\", um valor R$  \"&TEXT(ATENDIMENTO!J24,\"#.##0,00\")&\" superior ao que receberia apenas pelo RGPS durante os \"&'2-Entrada de Dados'!K58&\" anos.\"","v":"Considerando a distribuição do saldo total de R$ 0,00 em 86 anos, receberia um benefício complementar mensal da CE-PREVCOM de R$ 0,00. Isso resultaria em uma aposentadoria líquida total (RGPS + CE-PREVCOM) de R$ 0,00, um valor R$  0,00 superior ao que receberia apenas pelo RGPS durante os 86 anos."}]
[]
[null,"Pensão por Morte"]
[]
[null,"• CE-PREVCOM: ",{"$f":"\"Com as coberturas do plano de previdência complementar (PR e PAR, conforme o caso), o(a) beneficiário(a) indicado(a) receberia uma renda bruta complementar de R$ \"&TEXT(ATENDIMENTO!E42,\"#.##0,00\")&\", que corresponde a um valor líquido de R$ \"&TEXT(ATENDIMENTO!E45,\"#.##0,00\")&\".\"","v":{"$error":"#NUM!"}}]
[null,"Beneficiários na CE-PREVCOM: É importante notar que para a pensão na CE-PREVCOM, os(as) beneficiários(as) são de livre indicação do(a) participante, diferentemente das regras do RGPS que exigem vínculos específicos como cônjuge ou filhos(as) menores de 21 anos, por exemplo."]
[]
[null,"Benefício por Invalidez"]
[]
[null,"• CE-PREVCOM: ",{"$f":"\"Com as coberturas do plano de previdência complementar (PR e PAR, conforme o caso), o(a) participante receberia uma renda bruta complementar de R$ \"&TEXT(ATENDIMENTO!J42,\"#.##0,00\")&\", que  corresponde a um valor líquido de R$ \"&TEXT(ATENDIMENTO!J45,\"#.##0,00\")&\".\"","v":{"$error":"#NUM!"}}]
[]
[null,"Informações sobre as Coberturas Adicionais de Risco consideradas na simulação"]
[]
[null,"O(a) participante pode optar por incluir uma Parcela Adicional de Risco (PAR) que oferece as seguintes coberturas:"]
[null,"• Morte: ",{"$f":"\"Com a contribuição de uma PAR de R$ \"&TEXT(ATENDIMENTO!H51,\"#.##0,00\")&\", haverá uma cobertura de R$ \"&TEXT(ATENDIMENTO!I51,\"#.##0,00\")&\" e, em caso de sinistro, geraria uma renda mensal de R$ \"&TEXT(ATENDIMENTO!J51,\"#.##0,00\")&\" por \"&ATENDIMENTO!G55&\" anos aos beneficiários indicados livremente. \"","v":"Com a contribuição de uma PAR de R$ 0,00, haverá uma cobertura de R$ 0,00 e, em caso de sinistro, geraria uma renda mensal de R$ 0,00 por 0 anos aos beneficiários indicados livremente. "}]
[null,"• Invalidez: ",{"$f":"\"Com a contribuição de uma PAR de R$ \"&TEXT(ATENDIMENTO!H52,\"#.##0,00\")&\", haverá uma cobertura de R$ \"&TEXT(ATENDIMENTO!I52,\"#.##0,00\")&\" e, em caso de sinistro, geraria uma renda mensal de R$ \"&TEXT(ATENDIMENTO!J52,\"#.##0,00\")&\" por \"&ATENDIMENTO!G55&\" anos ao participante ou seus beneficiários. \"","v":"Com a contribuição de uma PAR de R$ 0,00, haverá uma cobertura de R$ 0,00 e, em caso de sinistro, geraria uma renda mensal de R$ 0,00 por 0 anos ao participante ou seus beneficiários. "}]
[null,"Os valores da PAR podem ser escolhidos pelo(a) participante e a contribuição possui benefício fiscal, reduzindo a base de cálculo do Imposto de Renda. O custo da PAR é apresentado como mais acessível que produtos similares no mercado e não exige carência."]
[]
[null,null,null,null,null,null,null,null,{"$f":"'1-Tipo Simulacao'!B36","v":"Versão do Simulador: 2025.11-1"}]

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[]
[null,null,null,null,null,null,null,null,"Nome"]
[null,null,null,null,null,null,null,null,"Assessor Previdenciário"]
[null,null,null,null,null,null,null,"E-mail:","@ceprevcom.com.br"]
[null,null,null,null,null,null,null,null,"(85) 99999-9999"]
[null,"PARA USO PELA EQUIPE DE CONSULTORES DA CE-PREVCOM"]
[null,"Assessoria Previdenciária"]
[null,"Nome do Servidor(a):",null,null,null,null,"Órgão:",null,"Matrícula:"]
[null,"Data de Nascimento:",{"$f":"IF('2-Entrada de Dados'!K11=\"\",\"\",'2-Entrada de Dados'!K11)","v":""},"CPF:",null,null,"Remun. Bruta:",{"$f":"'Anexo I - Parametros'!K18","v":0}]
[null,"Idade Atual:",{"$f":"'Anexo I - Parametros'!K14","v":125},"Tipo Participante:",{"$f":"'1-Tipo Simulacao'!K28","v":"PATROCINADO"},null,"Data de Ingresso:",null,"Tempo Contrib.:",{"$f":"IF(H10=\"\", \"-\", INT((J11-H10)/365.25) & \" anos e \"&  ROUND(((J11-H10) - INT((J11-H10)/365.25)*365.25)/365.25*12,0)& \" meses\")","v":"-"}]
[null,"Idade Aposentadoria:",{"$f":"'Anexo I - Parametros'!K15","v":0},"Tempo Restante:",{"$f":"IF(J11=\"\",\"\", INT((EDATE(C9,C11*12)-J11)/365.25) & \" anos e \"&  INT(((EDATE(C9,C11*12) - J11) - INT((EDATE(C9,C11*12)-J11)/365.25)*365.25)/365*12)& \" meses\")","v":""},null,"Regime:",null,"Data Simulação:",{"$f":"IF('2-Entrada de Dados'!K16=0,\"\",'2-Entrada de Dados'!K16)","v":""}]
[]
[null,"COMPARATIVO DE CONTRIBUIÇÕES, PROJEÇÃO DE APOSENTADORIA E SALDOS ACUMULADOS - ESTIMATIVAS COM OS DADOS FORNECIDOS"]
[]
[null,"COMPARATIVO DE CONTRIBUIÇÕES - EFEITO NO LÍQUIDO",null,null,null,null,"PROJEÇÃO DE APOSENTADORIA - VALORES ESTIMADOS"]
[null,"DESCRIÇÃO",null,"SEM RPC","COM RPC",null,"DESCRIÇÃO",null,"SEM RPC","COM RPC"]
[null,"Remuneração de Contribuição",null,{"$f":"H9","v":0},{"$f":"H9","v":0},null,"(+) Benefício RGPS",null,{"$f":"'3-Resultados'!F9","v":0},{"$f":"'3-Resultados'!I9","v":0}]
[null,"(-) Contribuição para RGPS/INSS",null,{"$f":"'Anexo I - Efeito Liquido'!K8","v":0},{"$f":"'Anexo I - Efeito Liquido'!K13","v":0},null,{"$f":"\"(+) Benefício CE-PREVCOM (por \"& TEXT('2-Entrada de Dados'!K58,\"#.##0\")&\" anos)\"","v":"(+) Benefício CE-PREVCOM (por 86 anos)"},null,0,{"$f":"'3-Resultados'!I14","v":0}]
[null,{"$f":"\"(-) Contribuição CE-PREVCOM (\"&TEXT('Anexo II - Situacao com RPC'!K10,\"0,00%\")&\")\"","v":"(-) Contribuição CE-PREVCOM (8,50%)"},null,0,{"$f":"'Anexo I - Efeito Liquido'!K14","v":0},null,"(-) Taxa de Carregamento",null,0,{"$f":"'3-Resultados'!I15","v":0}]
[null,"(-) Contribuição PaR",null,0,{"$f":"-(H51+H52)","v":0},null,"-",null,0,0]
[null,"Base de Cálculo do I.R.",null,{"$f":"MIN(SUM(D17:D20),D17-'CALC BASE'!$S$10)","v":-607.20000000000005},{"$f":"MIN(SUM(E17:E20),E17-'CALC BASE'!S10)","v":-607.20000000000005}]
[null,"(-) Imposto de Renda",null,{"$f":"-IF(D21<='CALC BASE'!$Q$5,0,IF(D21<='CALC BASE'!$Q$6,D21*'CALC BASE'!$R$6-'CALC BASE'!$S$6,IF(D21<='CALC BASE'!$Q$7,D21*'CALC BASE'!$R$7-'CALC BASE'!$S$7,IF(D21<'CALC BASE'!$Q$8,D21*'CALC BASE'!$R$8-'CALC BASE'!$S$8,D21*'CALC BASE'!$R$9-'CALC BASE'!$S$9))))","v":0},{"$f":"-IF(E21<='CALC BASE'!$Q$5,0,IF(E21<='CALC BASE'!$Q$6,E21*'CALC BASE'!$R$6-'CALC BASE'!$S$6,IF(E21<='CALC BASE'!$Q$7,E21*'CALC BASE'!$R$7-'CALC BASE'!$S$7,IF(E21<'CALC BASE'!$Q$8,E21*'CALC BASE'!$R$8-'CALC BASE'!$S$8,E21*'CALC BASE'!$R$9-'CALC BASE'!$S$9))))","v":0},null,"(-) Imposto de Renda",null,{"$f":"'3-Resultados'!F10","v":0},{"$f":"('3-Resultados'!I10+'3-Resultados'!I16)","v":0}]
[null,"Remuneração Líquida após IR",null,{"$f":"SUM(D17:D20,D22)","v":0},{"$f":"SUM(E17:E20,E22)","v":0},null,"Aposentadoria Líq. após IR",null,{"$f":"SUM(I17:I22)","v":0},{"$f":"SUM(J17:J22)","v":0}]
[null,"Diferença entre os valores líquidos no mês",null,null,{"$f":"E23-D23","v":0},null,"Diferença entre os valores líquidos no mês",null,null,{"$f":"J23-I23","v":0}]
[null,"Diferença entre os valores líquidos no ano",null,null,{"$f":"E24*13","v":0},null,"Diferença entre os valores líquidos no ano",null,null,{"$f":"J24*13","v":0}]
[]
[null,"Observações:",null,null,null,null,"PROJEÇÃO DE SALDOS ACUMULADOS - VALORES ESTIMADOS"]
[null,"1) No Comparativo de Contribuições, foram consideradas apenas a REMUNERAÇÃO DE CONTRIBUIÇÃO (Base de incidência para o RGPS), a CONTRIBUIÇÃO PREVIDÊNCIÁRIA e o IMPOSTO DE RENDA. Não foram considerados quaisquer outros descontos e/ou créditos.",null,null,null,null,"Tipo de Saldo",null,{"$f":"\"Valor aos \"&C11& \" anos\"","v":"Valor aos 0 anos"},"%"]
[null,null,null,null,null,null,"(+) Acumulado Participante",null,{"$f":"IFERROR('Anexos II e III - Graficos'!H62,0)","v":0},{"$f":"IF($I$32=0,0,I29/$I$32)","v":0}]
[null,{"$f":"\"2) Na Projeção de Aposentadoria e na Projeção de Saldos Acumulados, os valores estimados são resultado da simulação com uma taxa de juros real de \"&TEXT('Anexo II - Situacao com RPC'!K9, \"0,00%\")&\"a.a.\"","v":"2) Na Projeção de Aposentadoria e na Projeção de Saldos Acumulados, os valores estimados são resultado da simulação com uma taxa de juros real de 4,00%a.a."},null,null,null,null,"(+) Acumulado Patrocinador",null,{"$f":"IFERROR('Anexos II e III - Graficos'!H63,0)","v":0},{"$f":"IF($I$32=0,0,I30/$I$32)","v":0}]
[null,null,null,null,null,null,"(+) Retorno dos Investimentos",null,{"$f":"IFERROR('Anexos II e III - Graficos'!H64,0)","v":0},{"$f":"IF($I$32=0,0,I31/$I$32)","v":0}]
[null,null,null,null,null,null,"Total Acumulado",null,{"$f":"SUM(I29:I31)","v":0},{"$f":"IF($I$32=0,0,I32/$I$32)","v":0}]
[]
[]
[null,"BENEFÍCIOS DE PENSÃO POR MORTE E APOSENTADORIA POR INVALIDEZ - SIMULAÇÃO NO RPC"]
[]
[null,"BENEFÍCIO PENSÃO (R$)",null,null,null,null,"BENEFÍCIO INVALIDEZ (R$)"]
[null,"DESCRIÇÃO",null,null,"RPC",null,"DESCRIÇÃO",null,null,"RPC"]
[null,"(+)Pensão CE-PREVCOM (Saldo já Acumulado + Portabilidade)",null,null,{"$f":"('2-Entrada de Dados'!K48+'2-Entrada de Dados'!K51)/H50","v":{"$error":"#NUM!"}},null,"(+)Invalidez CE-PREVCOM (Saldo já Acumulado + Portabilidade)",null,null,{"$f":"E39","v":{"$error":"#NUM!"}}]
[null,"(+)Pensão CE-PREVCOM (Parcela de Risco para Patrocinados)",null,null,{"$f":"E51","v":0},null,"(+)Invalidez CE-PREVCOM (Parcela de Risco para Patrocinados)",null,null,{"$f":"E52","v":0}]
[null,"(+)Pensão CE-PREVCOM (Parcela Adicional)",null,null,{"$f":"J51","v":0},null,"(+)Invalidez CE-PREVCOM (Parcela Adicional de Risco)",null,null,{"$f":"+J52","v":0}]
[null,{"$f":"\"Valor Bruto (por \"&  J50 &\" anos) (1)\"","v":"Valor Bruto (por 0 anos) (1)"},null,null,{"$f":"SUM(E39:E41)","v":{"$error":"#NUM!"}},null,{"$f":"\"Valor Bruto (por \"&  J50 &\" anos) (1)\"","v":"Valor Bruto (por 0 anos) (1)"},null,null,{"$f":"SUM(J39:J41)","v":{"$error":"#NUM!"}}]
[null,"(-) Taxa de Carregamento",null,null,{"$f":"-'CALC BASE'!$G$17*E42","v":{"$error":"#NUM!"}},null,"(-) Taxa de Carregamento",null,null,{"$f":"-'CALC BASE'!$G$17*J42","v":{"$error":"#NUM!"}}]
[null,"(-) Imposto de Renda Regressivo",null,null,{"$f":"-E42*25%","v":{"$error":"#NUM!"}},null,"(-) Imposto de Renda Regressivo",null,null,{"$f":"-J42*25%","v":{"$error":"#NUM!"}}]
[null,"Valor Líquido",null,null,{"$f":"E42+E43+E44","v":{"$error":"#NUM!"}},null,"Valor Líquido",null,null,{"$f":"J42+J43+J44","v":{"$error":"#NUM!"}}]
[null,{"$f":"\"Nota (1): Conversão em renda por \"&  J50 &\" anos \" & IF(J50=G56, \"(mínimo entre a Expectativa de Sobrevida e 30 anos)\", \"(prazo escolhido para simulação)\")","v":"Nota (1): Conversão em renda por 0 anos (mínimo entre a Expectativa de Sobrevida e 30 anos)"},null,null,null,null,{"$f":"B46","v":"Nota (1): Conversão em renda por 0 anos (mínimo entre a Expectativa de Sobrevida e 30 anos)"}]
[null,"PARCELA DE RISCO - PR (*)",null,null,null,null,"PARCELA ADICIONAL DE RISCO - PAR  (**)"]
[null,"DESCRIÇÃO","INCLUÍDA? (S/N)","COBERTURA","RENDA",null,"DESCRIÇÃO","CONTRIBUIÇÃO","COBERTURA","RENDA"]
[null,null,null,null,null,null,null,null,"Número de Meses",{"$f":"ROUND(('CALC BASE'!$G$27-'CALC BASE'!A42)/365.25*12,0)","v":-1510}]
[null,null,null,null,null,null,"Fator de Conversão",{"$f":"(1/PMT('CALC BASE'!G7, J50*12,-1,0,0) + (1/PMT('CALC BASE'!$G$6, J50,-1,0,1)) / (1+'CALC BASE'!$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)))","v":{"$error":"#NUM!"}},"Prazo Certo",{"$f":"G55","v":0}]
[null,"Para Morte","S",{"$f":"IF(UPPER(C51)=\"S\", 'Anexos VI - Benef. Risco'!J19,0)","v":0},{"$f":"IF(UPPER(C51)=\"S\", IF($J$50=0, 0, D51/ $H$50),0)","v":0},null,"Para Morte",null,{"$f":"IF(H51=0,0,H51/VLOOKUP(C10,Premios!$G$4:$I$104,2,FALSE)*100000)","v":0},{"$f":"IF($J$50=0, 0, I51/ $H$50)","v":0}]
[null,"Para Invalidez","S",{"$f":"IF(UPPER(C52)=\"S\", 'Anexos VI - Benef. Risco'!J15, 0)","v":0},{"$f":"IF(UPPER(C52)=\"S\", IF($J$50=0, 0, D52/ $H$50),0)","v":0},null,"Para Invalidez",null,{"$f":"IF(H52=0,0,H52/VLOOKUP(C10,Premios!$G$4:$I$104,3,FALSE)*100000)","v":0},{"$f":"IF($J$50=0, 0, I52/ $H$50)","v":0}]
[null,{"$f":"\"(*) Para Patrocinados: Cobertura básica de risco, com contribuição mensal já incluída na alíquota de \"& TEXT(MIN('2-Entrada de Dados'!K43, 8.5%), \"0,00%\") &\" (art. 16, inciso IV do Regulamento do Plano).\"","v":"(*) Para Patrocinados: Cobertura básica de risco, com contribuição mensal já incluída na alíquota de 8,50% (art. 16, inciso IV do Regulamento do Plano)."},null,null,null,null,{"$f":"\"(**) Cobertura adicional de risco, com contribuição em valor adicional mensal, dada a opção existente no RPC para melhorar a cobertura para a família.\"","v":"(**) Cobertura adicional de risco, com contribuição em valor adicional mensal, dada a opção existente no RPC para melhorar a cobertura para a família."}]
[]
[null,"Prazo para Recebimento do Benefíciio de Pensão ou Invalidez (em anos):",null,null,null,null,{"$f":"G56","v":0},{"$f":"IF(G55> 30, \"O prazo máximo permitido no Regulamento é de 30 anos. Favor ajustar.\",\"\")","v":""}]
[null,"Sugestão com foco previdencial (mínimo entre a Expectativa de Sobrevida e 30 anos):",null,null,null,null,{"$f":"MIN( 30, IF('CALC BASE'!$G$18=\"M\", ROUND(VLOOKUP('CALC BASE'!C42,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP('CALC BASE'!C42,TbSobrVAL!$M$4:$W$134,10,FALSE),0)))","v":0}]
[]
[null,"Observações:"]
[null,{"$f":"IF('1-Tipo Simulacao'!K25=1, \"1) Parcela de Risco (PR): calculada com base na Contribuição Básica de Participante (\" & TEXT(MIN('2-Entrada de Dados'!K43, 8.5%), \"0,00%\") & \") e na Contribuição Básica do Patrocinador (\" & TEXT(MIN('Anexo II - Situacao com RPC'!K11, 8.5%), \"0,00%\")&\"), de acordo com o nº de meses projetados até a aposentadoria (\"& 'CALC BASE'!AX42 &\"). Parcela Adicional de Risco (PAR): importante avaliar a opção existente no RPC para melhorar os benefícios por morte ou invalidez com a PAR.\", \"1) Para o Participante Facultativo, as coberturas de Morte e Invalidez podem ser contratadas somente por meio da Parcela Adicional de Risco (PAR).\")","v":"1) Parcela de Risco (PR): calculada com base na Contribuição Básica de Participante (8,50%) e na Contribuição Básica do Patrocinador (8,50%), de acordo com o nº de meses projetados até a aposentadoria (0). Parcela Adicional de Risco (PAR): importante avaliar a opção existente no RPC para melhorar os benefícios por morte ou invalidez com a PAR."},null,null,null,null,"4) No RGPS, a duração da Pensão depende \n da idade do cônjuge, conforme a seguinte tabela:"]
[]
[null,{"$f":"IF(G55=G56, \"2) Rendas no RPC calculadas em prazo certo de \" & J50 & \" anos ou com a Expectativa de Sobrevida do Participante (\"& IF('CALC BASE'!$G$18=\"M\", ROUND(VLOOKUP('CALC BASE'!C42,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP('CALC BASE'!C42,TbSobrVAL!$M$4:$W$134,10,FALSE),0)) &\" anos), se menor que o prazo certo de 30 anos. Ademais, as regras da Pensão e Invalidez no RPC são diferentes das regras no RGPS.\", \"2) Rendas no RPC calculadas em prazo certo de \" & G55 & \" anos, escolhido para simulação.\")","v":"2) Rendas no RPC calculadas em prazo certo de 0 anos ou com a Expectativa de Sobrevida do Participante (0 anos), se menor que o prazo certo de 30 anos. Ademais, as regras da Pensão e Invalidez no RPC são diferentes das regras no RGPS."},null,null,null,null,null,null,null,"Obs.: No RGPS, filhos recebem até 21 anos.           "]
[null,"3) Benefícios de Pensão e Invalidez da CE-PREVCOM simulados com I.R. Regressivo de 25% (Lei nº 11.196/2006). Após dez anos, a alíquota de I.R. cai para 10% (Lei nº 11.053/2005)."]
[]
[null,null,null,null,null,null,null,null,null,{"$f":"'1-Tipo Simulacao'!B36","v":"Versão do Simulador: 2025.11-1"}]

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[]
[]
[null,"SIMULADOR RPC para Contribuintes do RGPS/INSS"]
[]
[]
[]
[null,"PARA MELHOR OPERAÇÃO, USAR PLANILHA EXCEL. \nPARA MELHOR VISUALIZAÇÃO, AJUSTAR ZOOM DA JANELA CONFORME SEU COMPUTADOR E MONITOR"]
[]
[null,"ANÁLISE DE SITUAÇÃO PREVIDENCIÁRIA INDIVIDUAL NO RPC"]
[null,"SIMULAÇÃO ILUSTRATIVA"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"1. NESSA ETAPA, BASTA SELECIONAR QUE TIPO DE SIMULAÇÃO DESEJA REALIZAR "]
[]
[null,null,"Deve ser digitado no campo desse item o número correspondente à simulação de interesse: ",null,null,null,null,null,null,null,"RESPOSTA:"]
[null,null,"    - \"1\" para Tipo de Participante PATROCINADO;    ",null,null,null,null,null,null,null,1]
[null,null,"    - \"2\" para Tipo de Participante FACULTATIVO;"]
[]
[null,null,null,null,null,"Com a escolha acima, será simulado:","a) Tipo de Participante no RPC: ",null,null,{"$f":"IF(K25=1,1,2)","v":1},{"$f":"IF(J28=1,\"PATROCINADO\", \"FACULTATIVO\")","v":"PATROCINADO"}]
[null,null,null,null,null,null,{"$f":"IF(OR(K25=5,K25=6), \"b) Situação Atual no RGPS:\", \"b) Situação Atual no RPPS:\")","v":"b) Situação Atual no RPPS:"},null,null,2,{"$f":"IF(J29=1,\"RPPS SEM LIMITE\", IF(J29=2, \"RPPS COM LIMITE\", \"RGPS COM LIMITE\"))","v":"RPPS COM LIMITE"}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K25<>1,K25<>2), \"Atenção: Informe a opção ''1'' para Patrocinado ou ''2'' para Facultativo no campo ''RESPOSTA:'' acima.\", \"\")","v":""}]
[null,null,"GLOSSÁRIO PARA \"TIPO DE PARTICIPANTE\":"]
[null,null,"- \"PATROCINADO\":  Empregado(a) Público(a) ou Agente Político(a) que tenha Remuneração de Contribuição acima do teto do RGPS e, assim, COM direito à contrapartida da Contribuição de Patrocinador (entre 3,0% e 8,5%)."]
[null,null,"- \"FACULTATIVO\":  Servidor(a) Comissionado, independente da Remuneração; Empregado(a) Público(a) ou Agente Político(a) que tenha Remuneração de Contribuição abaixo do teto do RGPS e, assim, SEM direito à contrapartida da Contribuição de Patrocinador, contribuindo sozinho para o Plano do RPC (mínimo de 1,0%)."]
[]
[null,"Seguir para a guia ENTRADA DE DADOS"]
[null,"Versão do Simulador: 2025.11-1"]

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[]
[]
[]
[]
[null,"2. AGORA, BASTA ENTRAR COM OS DADOS PARA A SIMULAÇÃO\n(PREENCHER OS CAMPOS EM AZUL; todos os campos são obrigatórios)"]
[]
[null,"Valor vigente do teto do RGPS/INSS:",null,null,null,null,null,null,null,null,8157.41]
[]
[null,"2.1. PARÂMETROS PESSOAIS E FUNCIONAIS"]
[]
[null,"Data do seu nascimento (no formato dd/mm/aaaa):"]
[null,"Idade atual:",{"$f":"IF(K11=\"\",\"\",'Anexo I - Parametros'!K14)","v":""},"anos"]
[]
[null,"Sexo de nascimento para efeito de aposentadoria (F-Feminino ou M-Masculino):"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(UPPER(K14)<>\"F\", UPPER(K14)<>\"M\"),\"Preencher o campo acima com ''F'' ou ''M''.\",\"\")","v":"Preencher o campo acima com ''F'' ou ''M''."}]
[null,"Data da simulação (sugestão: dia 01 do mês seguinte para efeito da migração):"]
[]
[null,"Categoria",null,null,null,null,null,null,null,null,1]
[null,"    1 - GERAL [Servidor(ar) Comissionado(a);   Empregado(a) Público(a);    Agente Político(a)]."]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K18<>1,K18<>2),\"ATENÇÃO: Preencher o campo acima com ''1'' ou ''2''.\", \"\")","v":""}]
[null,"Idade planejada para a aposentadoria:"]
[null,"Informação das idades para aposentadoria (anos) atualmente previstas em lei: "]
[null,"    Homem=65;    Mulher=62."]
[]
[null,"Remuneração atual de incidência de contribuição para a Previdência:"]
[]
[null,"Maior remuneração de incidência para a Previdência qua poderá atingir na carreira:"]
[]
[null,"Quantidade de anos para atingir essa maior remuneração na carreira:"]
[null,"Essa quantidade de anos será utilizada para estimar o Crescimento Salarial na carreira.",null,null,null,null,null,null,null,null,{"$f":"\"Será admitido crescimento salarial de \"& TEXT('Anexo I - Parametros'!K24, \"0,00%\") &\" ao ano.\"","v":"Será admitido crescimento salarial de 1,00% ao ano."}]
[null,"Deixar em branco caso queira utilizar o Crescimento Salarial de 1% ao ano, acima da inflação."]
[]
[null,"2.2. PARÂMETRO DO RGPS"]
[]
[null,{"$f":"\"Estimativa de valor bruto de aposentadoria no RGPS, na data da concessão:\"","v":"Estimativa de valor bruto de aposentadoria no RGPS, na data da concessão:"}]
[null,{"$f":"\"(caso não tenha essa informação, uma estimativa seria o próprio valor do teto do RGPS/INSS: R$ \"& TEXT(K7,\"#.##0,00\") &\".)\"","v":"(caso não tenha essa informação, uma estimativa seria o próprio valor do teto do RGPS/INSS: R$ 8.157,41.)"}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(K35>K7, \"ATENÇÃO: O valor do benefício no RGPS não poderá ser superior ao teto do RGPS (\"& TEXT(K7,\"#.##0,00\")&\"). Favor ajustar.\", \"\")","v":""}]
[null,"2.4. PARÂMETROS PARA O RPC"]
[]
[null,"Estimativa da taxa de juros de longo prazo para retornos de investimentos no RPC:",null,null,null,null,null,null,null,null,0.04]
[null,"(serão apresentados resultados com 1% para mais e com 1% para menos)"]
[]
[null,"Alíquota de contribuição para o RPC a ser considerada: ",null,null,null,null,null,null,null,null,8.5000000000000006E-2]
[null,"(sugestão de simulação com esforço contributivo entre 8,5%  e 14,0%)"]
[null,"(opcionalmente, essa alíquota pode ser alterada, pois é de livre escolha pelo participante, com mínima de 1%) "]
[null,"(no caso de participante PATROCINADO, o Patrocinador acompanha paritariamente até a alíquota de 8,5% - máxima do Patrocinador) "]
[]
[null,"Informar valor de portabilidade para a simulação, se desejar:",null,null,null,null,null,null,null,null,0]
[null,"(caso exista valor a ser trazido para a sua conta na CE-PREVCOM)"]
[]
[null,"Informar valores já acumulados na CE-PREVCOM, caso existam:",null,null,null,null,null,null,null,null,{"$f":"K52+K53","v":0}]
[null,"Saldo de Contibuições realizadas pelo Participante",null,null,null,null,null,null,null,null,0]
[null,"Saldo de Contibuições realizadas pelo Patrocinador",null,null,null,null,null,null,null,null,0]
[null,"(ver Área do Participante / Meu Dinheiro / Extrato de Conta Individual, Tabela Resumo, coluna \"Atualizado\")"]
[]
[null,null,"A estimativa de saldo acumulado no RPC até a data da aposentadoria seria de:",null,null,null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K16","v":0}]
[]
[null,"Informar prazo, em anos, para receber benefício no RPC (para converter Saldo Acumulado em renda)",null,null,null,null,null,null,null,null,{"$f":"I60+1","v":86}]
[null,"Considerar o prazo pretendido para o recebimento do benefício no RPC, observados os parâmteros abaixo:"]
[null,null,{"$f":"\"1) Expectativa de sobrevida na data da aposentadoria (aos \" & INT('Anexo I - Parametros'!K15) & \" anos; sexo \"& IF('Anexo I - Parametros'!K11=\"F\", \"Feminino\", \"Masculino\") &\"):\"","v":"1) Expectativa de sobrevida na data da aposentadoria (aos 0 anos; sexo Masculino):"},null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!I20","v":85},"anos"]
[null,null,"2) Prazo mínimo de renda permitido no regulamento do plano:",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!I21","v":5},"anos"]
[null,null,"3) Prazo máximo de renda permitido no regulamento do plano:",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!I22","v":30},"anos"]
[]
[null,null,"A estimativa de benefício bruto no RPC seria de:",null,null,null,null,null,null,null,{"$f":"'3-Resultados'!I14","v":0}]
[]
[null,"Seguir para a guia \"RESULTADOS\""]
[null,{"$f":"'1-Tipo Simulacao'!B36","v":"Versão do Simulador: 2025.11-1"}]

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[]
[]
[]
[null,"3. RESULTADO DA SIMULAÇÃO - QUADRO RESUMO"]
[null,"COMPARATIVO DE BENEFÍCIOS ESTIMADOS: SITUAÇÕES \"SEM RPC\" E \"COM RPC\", DADOS OS PARÂMETROS INSERIDOS E AS POSSIBILIDADES DE RENDAS ESTIMADAS NO RPC, CONFORME TAXA DE JUROS CONSIDERADA"]
[null,"DESCRIÇÃO",null,null,null,"SITUAÇÃO\nSEM RPC","SITUAÇÃO COM RPC\nCenários Simulados para Rentabilidade dos Investimentos"]
[null,null,null,null,null,null,{"$f":"\"Se Taxa de Juros de \"& TEXT('Anexo II - Situacao com RPC'!H37,\"0,00%\")","v":"Se Taxa de Juros de 3,00%"},null,{"$f":"\"Se Taxa de Juros de                    \"& TEXT('Anexo II - Situacao com RPC'!H38,\"0,00%\")","v":"Se Taxa de Juros de                    4,00%"},null,{"$f":"\"Se Taxa de Juros de \"& TEXT('Anexo II - Situacao com RPC'!H39,\"0,00%\")","v":"Se Taxa de Juros de 5,00%"}]
[null,"1) RGPS - GESTÃO PELO INSS:"]
[null,"a) Benefício RGPS",null,null,null,{"$f":"'CALC BASE'!M12","v":0},{"$f":"'CALC BASE'!N12","v":0},null,{"$f":"G9","v":0},null,{"$f":"I9","v":0}]
[null,"b) Imposto de Renda Progressivo",null,null,null,{"$f":"'CALC BASE'!M18","v":0},{"$f":"'CALC BASE'!N18","v":0},null,{"$f":"G10","v":0},null,{"$f":"I10","v":0}]
[]
[null,"c) RGPS - BENEF.TOTAL LÍQ. (a+b)",null,null,null,{"$f":"SUM(F9:F10)","v":0},{"$f":"SUM(G9:H10)","v":0},null,{"$f":"G12","v":0},null,{"$f":"I12","v":0}]
[null,"2) RPC - GESTÃO PELA CE-PREVCOM"]
[null,{"$f":"\"d) Benefício RPC (durante \"& TEXT('2-Entrada de Dados'!K58,\"#.##0\")&\" anos)\"","v":"d) Benefício RPC (durante 86 anos)"},null,null,null,0,{"$f":"'Anexo II - Situacao com RPC'!K37","v":0},null,{"$f":"'Anexo II - Situacao com RPC'!K38","v":0},null,{"$f":"'Anexo II - Situacao com RPC'!K39","v":0}]
[null,"e) Taxa de Carregamento",null,null,null,0,{"$f":"'CALC BASE - 1%'!N17","v":0},null,{"$f":"'CALC BASE'!N17","v":0},null,{"$f":"'CALC BASE + 1%'!N17","v":0}]
[null,"f) Imposto de Renda Regressivo",null,null,null,0,{"$f":"'CALC BASE - 1%'!N19","v":0},null,{"$f":"'CALC BASE'!N19","v":0},null,{"$f":"'CALC BASE + 1%'!N19","v":0}]
[null,"g) RPC -BENEF.TOTAL. LÍQ. (d-e-f)",null,null,null,0,{"$f":"SUM(G14:G16)","v":0},null,{"$f":"SUM(I14:I16)","v":0},null,{"$f":"SUM(K14:K16)","v":0}]
[]
[null,"RENDA TOTAL BRUTA (a + d)",null,null,null,{"$f":"F9+F14","v":0},{"$f":"G9+G14","v":0},0,{"$f":"I9+I14","v":0},null,{"$f":"K9+K14","v":0}]
[null,"RENDA TOTAL LÍQUIDA (c + g)",null,null,null,{"$f":"F12+F17","v":0},{"$f":"G12+G17","v":0},null,{"$f":"I12+I17","v":0},null,{"$f":"K12+K17","v":0}]
[null,"Variação sobre a Situação Atual (Renda Líquida)",null,null,null,null,{"$f":"IF($F$20=0,0,G20/$F$20-1)","v":0},null,{"$f":"IF($F$20=0,0,I20/$F$20-1)","v":0},null,{"$f":"IF($F$20=0,0,K20/$F$20-1)","v":0}]
[]
[null,{"$f":"'1-Tipo Simulacao'!B36","v":"Versão do Simulador: 2025.11-1"}]

{"sheet":"Anexo I - Efeito Liquido","index":8,"n_rows":26,"n_cols":11,"rows_kept":26,"cut":false,"hidden":false,"merged":[[3,1,3,10],[4,1,4,10],[21,1,21,10],[22,1,22,10],[23,1,23,10]]}
[]
[]
[]
[null,"ANEXO I\nEFEITO NA REMUNERAÇÃO LÍQUIDA COM BENEFÍCIO FISCAL"]
[null,"=> Passar a contribuir para o RPC diminui o líquido (valor negativo na comparação desse quadro). Contudo, o valor que é destinado ao Plano do RPC é maior que o valor da diminuição do resultado líquido no seu contracheque, devido ao benefício fiscal no IR."]
[null,"RENDA LÍQUIDA SEM RPC "]
[null,"A. Remuneração de Contribuição Atual",null,null,null,null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K18","v":0}]
[null,"B. Contribuição ao RGPS (até o teto do RGPS)",null,null,null,null,null,null,null,{"$f":"MIN('2-Entrada de Dados'!K7, K7)","v":0},{"$f":"-IF(J8<= 'CALC BASE'!X5, J8*'CALC BASE'!Y5, IF(J8<='CALC BASE'!X6, J8*'CALC BASE'!Y6-'CALC BASE'!Z6, IF(J8<='CALC BASE'!X7, J8*'CALC BASE'!Y7-'CALC BASE'!Z7, J8*'CALC BASE'!Y8-'CALC BASE'!Z8)))","v":0}]
[null,"C. Estimativa de IR na fonte, no mês, sem dependentes",null,null,null,null,null,null,null,{"$f":"MIN(K7+K8,K7-'CALC BASE'!S10)","v":-607.20000000000005},{"$f":"-IF((J9)<='CALC BASE'!$Q$5,0,IF((J9)<='CALC BASE'!$Q$6,(J9)*'CALC BASE'!$R$6-'CALC BASE'!$S$6,IF((J9)<='CALC BASE'!$Q$7,(J9)*'CALC BASE'!$R$7-'CALC BASE'!$S$7,IF((J9)<'CALC BASE'!$Q$8,(J9)*'CALC BASE'!$R$8-'CALC BASE'!$S$8,(J9)*'CALC BASE'!$R$9-'CALC BASE'!$S$9))))","v":0}]
[null,"D. Líquido atual estimado com base nessas rubricas (A - B - C)",null,null,null,null,null,null,null,null,{"$f":"K7+K8+K9","v":0}]
[null,{"$f":"IF('1-Tipo Simulacao'!$J$28=2,  \"RENDA LÍQUIDA COMO PARTICIPANTE FACULTATIVO\", \"RENDA LÍQUIDA COM RPC\")","v":"RENDA LÍQUIDA COM RPC"}]
[null,"E. Remuneração de Contribuição Atual",null,null,null,null,null,null,null,null,{"$f":"K7","v":0}]
[null,"F. Contribuição ao RGPS (até o teto do RGPS)",null,null,null,null,null,null,null,null,{"$f":"K8","v":0}]
[null,{"$f":"IF('1-Tipo Simulacao'!K25=1, \"G. Contribuição ao RPC (\"& TEXT('Anexo II - Situacao com RPC'!K10,\"0,0%\") &\" sobre Parcela Acima Teto RGPS)\", \"G. Contribuição ao RPC (\"& TEXT('Anexo II - Situacao com RPC'!K10,\"0,0%\") &\" sobre o Total da Remuneração de Contribuição)\")","v":"G. Contribuição ao RPC (8,5% sobre Parcela Acima Teto RGPS)"},null,null,null,null,null,null,null,null,{"$f":"IF('1-Tipo Simulacao'!J28=1, -'2-Entrada de Dados'!K43*MAX(K12-'2-Entrada de Dados'!K7,0), -'2-Entrada de Dados'!K43*K12)","v":0}]
[null,"H. NOVA Contribuição Total RGPS e RPC (F + G)",null,null,null,null,null,null,null,null,{"$f":"K13+K14","v":0}]
[null,"I. Estimativa de IR na fonte, no mês, sem dependentes",null,null,null,null,null,null,null,{"$f":"MIN(K12+K15,K12-'CALC BASE'!S10)","v":-607.20000000000005},{"$f":"-IF((J16)<='CALC BASE'!$Q$5,0,IF((J16)<='CALC BASE'!$Q$6,(J16)*'CALC BASE'!$R$6-'CALC BASE'!$S$6,IF((J16)<='CALC BASE'!$Q$7,(J16)*'CALC BASE'!$R$7-'CALC BASE'!$S$7,IF((J16)<'CALC BASE'!$Q$8,(J16)*'CALC BASE'!$R$8-'CALC BASE'!$S$8,(J16)*'CALC BASE'!$R$9-'CALC BASE'!$S$9))))","v":0}]
[null,"J. Líquido estimado com base nessas rubricas (E - H - I)",null,null,null,null,null,null,null,null,{"$f":"K12+K15+K16","v":0}]
[]
[null,"K. Diferença entre os valores líquidos, no mês (J - D)",null,null,null,null,null,null,null,null,{"$f":"K17-K10","v":0}]
[null,"L. Diferença entre os valores líquidos, no ano (K x 13)",null,null,null,null,null,null,null,null,{"$f":"K19*13","v":0}]
[]
[null,{"$f":"IF('1-Tipo Simulacao'!J28=1,\"No caso de Participante PATROCINADO:\",  \"No caso de Participante FACULTATIVO:\")","v":"No caso de Participante PATROCINADO:"}]
[null,{"$f":"\"Ao realizar uma Contribuição de Participante para o RPC com efeito na remuneração líquida de R$ \"&TEXT(-K19,\"#.##0,00\")&\", haverá o ingresso de R$ \"& TEXT(-K14, \"#.##0,00\") &\" na sua Previdência Complementar, justamente por conta do importante benefício fiscal na dedução do Imposto de Renda na Fonte de R$ \"& TEXT(-(K9-K16), \"#.##0,00\") &\".\"","v":"Ao realizar uma Contribuição de Participante para o RPC com efeito na remuneração líquida de R$ 0,00, haverá o ingresso de R$ 0,00 na sua Previdência Complementar, justamente por conta do importante benefício fiscal na dedução do Imposto de Renda na Fonte de R$ 0,00."}]
[null,{"$f":"IF('1-Tipo Simulacao'!J28=1,\"Além disso, ainda terá direito à contribuição de Patrocinador de R$ \"& TEXT('CALC BASE'!AN42, \"#.##0,00\") &\". Logo, será destinado um total de R$ \"& TEXT('CALC BASE'!AM42+'CALC BASE'!AN42, \"#.##0,00\") &\" (contribuições de participante + patrocinador) para a sua conta no RPC.\",\"\")","v":"Além disso, ainda terá direito à contribuição de Patrocinador de R$ 0,00. Logo, será destinado um total de R$ 0,00 (contribuições de participante + patrocinador) para a sua conta no RPC."}]
[]
[null,{"$f":"'1-Tipo Simulacao'!B36","v":"Versão do Simulador: 2025.11-1"}]

{"sheet":"Anexos II e III - Graficos","index":9,"n_rows":97,"n_cols":9,"rows_kept":97,"cut":false,"hidden":false,"merged":[[30,1,30,10],[3,1,3,10]]}
[]
[]
[]
[null,"ANEXO II\nDEMONSTRAÇÃO GRÁFICA COMPARATIVA DAS SITUAÇÕES ESTIMADAS"]
[]
[]
[]
[]
[]
[null,null,null,"Situação Sem RPC",{"$f":"\"Situação Com RPC e Tx.Juros de \"& TEXT('Anexo II - Situacao com RPC'!H37,\"0,00%\")","v":"Situação Com RPC e Tx.Juros de 3,00%"},{"$f":"\"Situação Com RPC e Tx.Juros de \"& TEXT('Anexo II - Situacao com RPC'!H38,\"0,00%\")","v":"Situação Com RPC e Tx.Juros de 4,00%"},{"$f":"\"Situação Com RPC e Tx.Juros de \"& TEXT('Anexo II - Situacao com RPC'!H39,\"0,00%\")","v":"Situação Com RPC e Tx.Juros de 5,00%"}]
[null,null,null,{"$f":"'3-Resultados'!F20","v":0},{"$f":"'3-Resultados'!G20","v":0},{"$f":"'3-Resultados'!I20","v":0},{"$f":"'3-Resultados'!K20","v":0}]
[]
[]
[null,null,null,null,null,"Sexo",null,null,"Tipo de Simulação"]
[null,null,null,null,null,"FEMININO",null,null,"TIPO 1 - MIGRAÇÃO DE REGIME"]
[null,null,null,null,null,"MASCULINO",null,null,"TIPO 2 - PROJEÇÃO DE NOVO(A) SERVIDOR(A) PATROCINADO(A)"]
[null,null,null,null,null,null,null,null,"TIPO 3 - PROJEÇÃO DE FACULTATIVO - RPPS SEM LIMITE"]
[null,null,null,null,null,null,null,null,"TIPO 4 - PROJEÇÃO DE FACULTATIVO - RPPS COM LIMITE"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,{"$f":"'1-Tipo Simulacao'!B36","v":"Versão do Simulador: 2025.11-1"}]
[null,{"$f":"\"ANEXO III - DEMONSTRAÇÃO GRÁFICA - ESTIMATIVAS COM TAXA DE JUROS DE \"&TEXT('Anexo II - Situacao com RPC'!K9,\"0,00%\")","v":"ANEXO III - DEMONSTRAÇÃO GRÁFICA - ESTIMATIVAS COM TAXA DE JUROS DE 4,00%"}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,{"$f":"ROUND(('Anexo I - Parametros'!$K$15-'Anexo I - Parametros'!$K$14)*50%,0)","v":-63},{"$f":"ROUND(('Anexo I - Parametros'!$K$15-'Anexo I - Parametros'!$K$14)*75%,0)","v":-94},{"$f":"('Anexo I - Parametros'!$K$15-'Anexo I - Parametros'!$K$14)*100%","v":-125},{"$f":"H59","v":-125}]
[null,null,null,null,null,{"$f":"EDATE(DATE(YEAR('Anexo I - Parametros'!$K$13),MONTH('Anexo I - Parametros'!$K$13),1),F59*12)","v":"1962-11-01"},{"$f":"EDATE(DATE(YEAR('Anexo I - Parametros'!$K$13),MONTH('Anexo I - Parametros'!$K$13),1),G59*12)","v":"1931-11-01"},{"$f":"DATE(YEAR('Anexo I - Parametros'!K16),MONTH('Anexo I - Parametros'!K16),1)","v":"1900-01-01"},{"$f":"H60","v":"1900-01-01"}]
[null,null,null,null,null,{"$f":"F59& \" anos de acumulação \"& IF('1-Tipo Simulacao'!$J$28=1, \"-     Com Patronal\", \"\")","v":"-63 anos de acumulação -     Com Patronal"},{"$f":"G59& \" anos de acumulação \"& IF('1-Tipo Simulacao'!$J$28=1, \"-     Com Patronal\", \"\")","v":"-94 anos de acumulação -     Com Patronal"},{"$f":"H59& \" anos de acumulação \"& IF('1-Tipo Simulacao'!$J$28=1, \"-     Com Patronal\", \"\")","v":"-125 anos de acumulação -     Com Patronal"},{"$f":"IF('1-Tipo Simulacao'!$J$28=1, I59& \" anos de acumulação -     Sem Patronal\", \"\")","v":"-125 anos de acumulação -     Sem Patronal"}]
[null,null,null,null,"Contribuições de Participante",{"$f":"VLOOKUP(F60,'CALC BASE'!$A$42:$BQ$1204,69,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(G60,'CALC BASE'!$A$42:$BQ$1204,69,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(H60,'CALC BASE'!$A$42:$BQ$1204,69,FALSE)","v":{"$error":"#N/A"}},{"$f":"IF('1-Tipo Simulacao'!$J$28=1,H62,\"\")","v":{"$error":"#N/A"}}]
[null,null,null,null,"Contribuições de Patrocinador",{"$f":"VLOOKUP(F60,'CALC BASE'!$A$42:$BZ$1205,76,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(G60,'CALC BASE'!$A$42:$BZ$1205,76,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(H60,'CALC BASE'!$A$42:$BZ$1205,76,FALSE)","v":{"$error":"#N/A"}},{"$f":"IF('1-Tipo Simulacao'!$J$28=1, 0,\"\")","v":0}]
[null,null,null,null,"Retorno dos Investimentos",{"$f":"VLOOKUP(F60,'CALC BASE'!$A$42:$BZ$1205,78,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(G60,'CALC BASE'!$A$42:$BZ$1205,78,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(H60,'CALC BASE'!$A$42:$BZ$1205,78,FALSE)","v":{"$error":"#N/A"}},{"$f":"IF('1-Tipo Simulacao'!$J$28=1,VLOOKUP(I60,'CALC BASE'!$A$42:$CA$1205,79,FALSE),\"\")","v":{"$error":"#N/A"}}]
[null,null,null," ","Contribuições de Participante + Contribuições de Patrocinador + Retorno dos Investimentos",{"$f":"SUM(F62:F64)","v":{"$error":"#N/A"}},{"$f":"SUM(G62:G64)","v":{"$error":"#N/A"}},{"$f":"SUM(H62:H64)","v":{"$error":"#N/A"}},{"$f":"IF('1-Tipo Simulacao'!$J$28=1, SUM(I62:I64),\"\")","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,{"$f":"H65-'Anexo II - Situacao com RPC'!K16","v":{"$error":"#N/A"}}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,{"$f":"'1-Tipo Simulacao'!B36","v":"Versão do Simulador: 2025.11-1"}]

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[]
[]
[]
[]
[null,"ANEXO I\nDETALHAMENTO DOS PARÂMETROS PESSOAIS E FUNCIONAIS NA SIMULAÇÃO"]
[]
[null,"1) Valor vigente do teto do RGPS/INSS? ",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K7","v":8157.41}]
[]
[null,"2) Dia/mês/ano de seu nascimento?",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K11","v":"00:00:00"}]
[]
[null,"3) Sexo de nascimento, para efeito de aposentadoria?",null,null,null,null,null,null,null,null,{"$f":"UPPER('2-Entrada de Dados'!K14)","v":""}]
[]
[null,"4) Dia/mês/ano dos efeitos da simulação? (melhor sempre dia 01 do mês seguinte ao da simulação)",null,null,null,null,null,null,null,null,{"$f":"IF('2-Entrada de Dados'!K16=\"\",NOW(),'2-Entrada de Dados'!K16)","v":"2025-11-27T10:49:08.400"}]
[null,null,null,null,null,null,null,null,null,"        Sua idade atual é:",{"$f":"IF(OR(K13=\"\", K9=\"\"), 0, INT((K13-K9)/365))","v":125}]
[null,"5) Estimativa de sua idade para aposentadoria no RGPS?",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K21","v":0}]
[null,"     ",null,null,null,null,null,null,null,"A estimativa do mês/ano de sua aposentadoria no RGPS seria:",{"$f":"EDATE(K9,K15*12)","v":"00:00:00"}]
[]
[null,"6) Base de incidência de contribuição atual para a Previdência - No mês da simulação?",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K25","v":0}]
[null,"           (Soma das rubricas que sofrem incidência de contribuição ao RGPS, independentemente de teto do RGPS)"]
[]
[null,"7) Remuneração de contribuição máxima que você poderá atingir na CARREIRA?",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K27","v":0}]
[null,"Resposta com a expectativa de remuneração máxima que você poderá atingir na carreira. "]
[]
[null,"8) Estimativa da taxa real anual de crescimento salarial, para efeito da simulação?",null,null,null,null,null,null,null,null,{"$f":"IF(J28=0, 1%, MAX(0,J29))","v":0.01}]
[null,"Resposta com a expectativa de crescimento salarial individual anual acima da inflação (taxa real), considerando um dos seguintes caminhos:"]
[null,null,"1) ESTIMAR USANDO PARÂMETRO GERAL NESSE TIPO DE PROJEÇÃO: 1,0%, para representar algum crescimento individual + reajuste geral de tabelas; ou"]
[null,null,"2) ESTIMAR USANDO CRESCIMENTO COM BASE NO TEMPO PARA SE CHEGAR NO VALOR MÁXIMO JÁ INDICADO ACIMA PARA A SUA CARREIRA: "]
[null,null,{"$f":"\"- Em quanto anos você alcançará a remuneração máxima indicada na carreira, no valor de R$ \"&TEXT(K21,\"0.000,00\")&\"?..........................\"","v":"- Em quanto anos você alcançará a remuneração máxima indicada na carreira, no valor de R$ 0.000,00?.........................."},null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K29","v":0},"anos;"]
[null,null,"- Nesse caso, uma estimativa simulada de Taxa a ser digitada na célula de resposta seria de:",null,null,null,null,null,null,{"$f":"IF(OR(K18=0,J28=0), 0, (K21/K18)^(1/J28)-1)","v":0}]
[null,null,"3) OU, CASO CONSIDERE QUE NÃO HAVERÁ CRESCIMENTO REAL NA CARREIRA AO LONGO DOS ANOS, ESTIMAR DIGITANDO 0,00% PARA A SUA SIMULAÇÃO."]
[null,null,null,null,null,null,null,null,null,"Para efeito da simulação, a estimativa da última remuneração seria:",{"$f":"IFERROR(MAX('CALC BASE'!D42:D1205), 0)","v":0}]
[]
[]
[null,{"$f":"'1-Tipo Simulacao'!B36","v":"Versão do Simulador: 2025.11-1"}]

{"sheet":"Anexo II - Situacao com RPC","index":11,"n_rows":42,"n_cols":11,"rows_kept":42,"cut":false,"hidden":true,"merged":[[35,1,35,10],[6,1,6,10],[7,1,7,10],[27,1,27,10],[22,1,22,10],[2,1,2,10],[4,1,4,10],[33,1,33,10],[32,1,32,10],[34,1,34,10]]}
[]
[]
[null,"ANEXO II\nDETALHAMENTO DOS CÁLCULOS DA SITUAÇÃO COM RPC"]
[]
[null,"RENDA 1: RENDA BRUTA DE APOSENTADORIA PAGA PELO RGPS (INSS)"]
[null,"1) Valor estimado do benefício no RGPS (Limitado ao valor do teto do RGPS)",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K35","v":0}]
[]
[null,"RENDA 2: RENDA BRUTA DE APOSENTADORIA PAGA PELO RPC (CE-PREVCOM)"]
[null,"2) Estimativa da taxa anual real de juros dos investimentos no RPC até a aposentadoria? (sugestão: entre 3% e 5%)",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K40","v":0.04}]
[null,"3) Alíquota pretendida de contribuição do participante para o RPC? (ver comentário na célula de resposta)",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K43","v":8.5000000000000006E-2}]
[null,"      ",null,null,null,null,null,null,"A alíquota de contribuição do patrocinador para o RPC seria de:",null,{"$f":"IF('1-Tipo Simulacao'!J28=1, MIN(VALUE(K10),8.5%), 0)","v":8.5000000000000006E-2}]
[null,"4) Informado algum valor de portabilidade inicial que fará para a CE-PREVCOM? (em reais - R$)",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K48","v":0}]
[null,null,"(Considerar caso queira fazer portabilidade de outra Entidade para a CE-Prevcom, a fim de melhorar seu saldo acumulado final na simulação)"]
[null,"5) Informados valores já acumulados na CE-PREVCOM? (em reais - R$)",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K51","v":0}]
[null,null,{"$f":"'2-Entrada de Dados'!B54","v":"(ver Área do Participante / Meu Dinheiro / Extrato de Conta Individual, Tabela Resumo, coluna \"Atualizado\")"}]
[null,"A estimativa de saldo acumulado do Participante no RPC até a data da aposentadoria seria de:",null,null,null,null,null,null,null,null,{"$f":"IFERROR('CALC BASE'!M5,0)","v":0}]
[]
[null,"7) Prazo, em anos, para a duração do recebimento do benefício no RPC (é uma escolha do Participante)?",null,null,null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K58","v":86}]
[null,"Considerado o prazo para recebimento pretendido, respeitados os limites mínimo e máximo, e observada a Expectativa de Sobrevida. Observa parâmetros abaixo:"]
[null,null,{"$f":"\"1) Expectativa de sobrevida na data da aposentadoria (aos \" & 'Anexo I - Parametros'!K15 & \" anos; sexo \"& IF('Anexo I - Parametros'!K11=\"F\", \"Feminino\", \"Masculino\") &\"):\"","v":"1) Expectativa de sobrevida na data da aposentadoria (aos 0 anos; sexo Masculino):"},null,null,null,null,null,{"$f":"'CALC BASE'!G32","v":85}]
[null,null,"2) Prazo mínimo de renda permitido no regulamento do plano, em anos:",null,null,null,null,null,5]
[null,null,"3) Prazo máximo de renda permitido no regulamento do plano, em anos:",null,null,null,null,null,30]
[null,{"$f":"IF(K18=\"\", \"\", IF(K18>I22, \"ATENÇÃO: O prazo digitado está superior ao máximo permitido no Regulamento do Plano (30 anos)! Por favor, ajustar.\",IF(K18<I21, \"ATENÇÃO: O prazo digitado está inferior ao mínimo permitido no Regulamento do Plano (5 anos)! Por favor, ajustar.\",\"\")))","v":"ATENÇÃO: O prazo digitado está superior ao máximo permitido no Regulamento do Plano (30 anos)! Por favor, ajustar."}]
[null,null,null,null,null,null,null,null,null,"    Com o prazo digitado para essa simulação, o recebimento do benefício encerraria na seguinte idade:",{"$f":"'Anexo I - Parametros'!K15+K18","v":86}]
[null,"REGIME TRIBUTÁRIO PROGRESSIVO OU REGRESSIVO? (P ou R)",null,null,null,null,null,null,null,null,"R"]
[null,"ESTIMATIVA DE VALOR DA RENDA BRUTA DE APOSENTADORIA PAGA PELO RPC (CE-PREVCOM)",null,null,null,null,null,null,null,null,{"$f":"IFERROR('CALC BASE'!M8, 0)","v":0}]
[]
[null,"COM ISSO, NA SITUAÇÃO SIMULADA COM RPC, A DIVERSIFICAÇÃO DAS RENDAS NA FASE DE APOSENTADORIA FICARIA:"]
[null,null,"RENDA 1:","Benefício do RGPS (pago pelo INSS, vitalício)",null,null,null,null,null,null,{"$f":"K6","v":0}]
[null,null,"RENDA 2:",{"$f":"\"Benefício do RPC (pago pela CE-PREVCOM, durante \"& TEXT('2-Entrada de Dados'!K58,\"#.##0\")&\" anos)\"","v":"Benefício do RPC (pago pela CE-PREVCOM, durante 86 anos)"},null,null,null,null,null,null,{"$f":"K26","v":0}]
[null,"RENDA BRUTA TOTAL NA SITUAÇÃO COM RPC, COM DIVERSIFICAÇÃO (RENDAS 1+2):",null,null,null,null,null,null,null,null,{"$f":"SUM(K29:K30)","v":0}]
[]
[null,"ADEMAIS, IMPORTANTE SABER QUE EXISTE O EFEITO DA TAXA DE JUROS NA PROJEÇÃO DE BENEFÍCIOS DO RPC"]
[null,"O benefício no RPC depende do saldo acumulado na conta do participante, dependendo da expectativa futura dos investimentos."]
[null,"Com base na taxa de juros acima considerada, mostram-se resultados com 1,0% acima e 1,0% abaixo da taxa de juros digitada para o RPC,"]
[null,"de modo a demonstrar o efeito estimado no valor desse benefício do RPC:"]
[null,null,null,null,null,null,null,{"$f":"H38-1%","v":0.03},"a.a. (Um Cenário Negativo)",null,{"$f":"'CALC BASE - 1%'!N14","v":0}]
[null,"ESTIMATIVA DE VALOR DO BENEFÍCIO BRUTO NO RPC COM JUROS DE:",null,null,null,null,null,{"$f":"K9","v":0.04},"a.a. (Um Cenário Base)",null,{"$f":"'CALC BASE'!M8","v":0}]
[null,{"$f":"\"(Pago durante \"& TEXT('2-Entrada de Dados'!K58,\"#.##0\")&\" anos, conforme digitado na aba Entrada de Dados)\"","v":"(Pago durante 86 anos, conforme digitado na aba Entrada de Dados)"},null,null,null,null,null,{"$f":"H38+1%","v":0.05},"a.a. (Um Cenário Positivo)",null,{"$f":"'CALC BASE + 1%'!N14","v":0}]
[]
[]
[null,{"$f":"'1-Tipo Simulacao'!B36","v":"Versão do Simulador: 2025.11-1"}]

{"sheet":"Anexos VI - Benef. Risco","index":12,"n_rows":22,"n_cols":10,"rows_kept":22,"cut":false,"hidden":true,"merged":[[2,1,2,10],[3,1,3,10],[11,1,11,10],[0,1,1,6]]}
[null,"PREV-CE"]
[]
[null,"ANEXO VI\nDETALHAMENTO DA SIMULAÇÃO ILUSTRATIVA DE BENEFÍCIOS DE RISCO"]
[null,"Valores estimados. Benefícios efetivos do RPPS são calculados e concedidos pela Cearaprev."]
[null,"PARÂMETROS ILUSTRATIVOS:"]
[null,null,"Data da simulação",null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K16","v":"00:00:00"}]
[null,null,"Data de nascimento",null,null,null,null,null,null,{"$f":"'2-Entrada de Dados'!K11","v":"00:00:00"}]
[null,null,"Idade atual",null,null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K14","v":125}]
[null,null,"Idade na aposentadoria",null,null,null,null,null,null,{"$f":"INT('2-Entrada de Dados'!K21)","v":0}]
[null,null,"Tempo futuro até a aposentadoria (em anos)",null,null,null,null,null,null,{"$f":"J9-J8","v":-125}]
[]
[null,"SITUAÇÃO COM RPC - VALORES ESTIMADOS"]
[]
[null,"1) INVALIDEZ RPC: Estimativa do benefício no RPC, calculada no momento atual:"]
[null,null,"A) Valor do CAPITAL SEGURADO BÁSICO estimado ",null,null,null,null,null,null,{"$f":"'CALC BASE'!$AZ$42","v":0}]
[null,null,{"$f":"\"B) Conversão em renda por \"& 'CALC BASE'!BC42 &\" anos (mínimo entre a Expectativa de Sobrevida e 30 anos)\"","v":"B) Conversão em renda por 0 anos (mínimo entre a Expectativa de Sobrevida e 30 anos)"},null,null,null,null,null,null,{"$f":"IF(J15=0,0, J15/'CALC BASE'!BD42)","v":0}]
[]
[null,"2) PENSÃO RPC: Estimativa no RPC, calculada no momento atual:"]
[null,null,"A) Valor do CAPITAL SEGURADO básico estimado ",null,null,null,null,null,null,{"$f":"J15","v":0}]
[null,null,{"$f":"C16","v":"B) Conversão em renda por 0 anos (mínimo entre a Expectativa de Sobrevida e 30 anos)"},null,null,null,null,null,null,{"$f":"J16","v":0}]
[]
[null,{"$f":"'1-Tipo Simulacao'!B36","v":"Versão do Simulador: 2025.11-1"}]

{"sheet":"CALC BASE","index":13,"n_rows":1205,"n_cols":81,"rows_kept":1205,"cut":false,"hidden":true,"merged":[[38,3,40,3],[38,55,40,55],[38,56,40,56],[38,54,40,54],[39,16,40,16],[39,36,40,36],[38,52,40,52],[38,53,40,53],[38,47,40,47],[38,46,40,46],[38,51,40,51],[38,49,40,49],[38,50,40,50]]}
["MODELO DE SIMULAÇÃO INDIVIDUAL"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Imposto de Renda Regresssivo"]
["PARÂMETROS",null,null,null,null,null,null,null,"RESULTADOS NO REGIME DE PREVIDÊNCIA COMPLEMENTAR (RPC)",null,null,null,null,null,null,null,"Imposto de Renda Progressivo - A partir de 05/2025",null,null,null,"Tempo Perm.","Alíquota",null,"Alíquotas RGPS - A partir de 01/2025"]
["Taxa de Juros (a.a.) - Fase Ativa",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K9","v":0.04},null,"Descrição",null,null,null,"Total",null,null,null,"Limite Sup.","Alíquota","Dedução",null,2,0.35,null,"Limite Sup.","Alíquota","Dedução"]
["Taxa de Juros (a.m.) - Fase Ativa",null,null,null,null,null,{"$f":"(1+G4)^(1/12)-1","v":3.2737397821989145E-3},null,"Reserva Acumulada pelo Participante",null,null,null,{"$f":"IFERROR(VLOOKUP(G27,A42:AS1205,45,FALSE),0)","v":0},null,null,null,2428.8000000000002,0,0,null,4,0.3,null,1518,7.4999999999999997E-2,0]
["Taxa de Juros (a.a.) - Fase Inativa",null,null,null,null,null,4.6799999999999994E-2,null,"Duração do Benefício em Prazo Certo (anos)",null,null,null,{"$f":"G29","v":86},null,null,null,2826.65,7.4999999999999997E-2,182.16,null,6,0.25,null,2793.88,0.09,22.77]
["Taxa de Juros (a.m.) - Fase Inativa",null,null,null,null,null,{"$f":"(1+G6)^(1/12)-1","v":3.8187639418887365E-3},null,"Anuidade Financeira (13 pagamentos anuais)",null,null,null,{"$f":"IF(M6=0,0, 1/PMT(G7,M6*12,-1,0,0) + (1/PMT(G6,M6,-1,0,1)) / (1+G7)^(12-MONTH('Anexo I - Parametros'!K9)))","v":277.76784548788157},null,null,null,3751.05,0.15,394.16,null,8,0.2,null,4190.83,0.12,106.59]
["RGPS - Contribuição Laboral",null,null,null,null,null,0.14000000000000001,null,"Benefício de Aposentadoria em Prazo Certo",null,null,null,{"$f":"IF(M7=0,0, M5/M7)","v":0},null,null,null,4664.68,0.22500000000000001,675.49,null,10,0.15,null,8157.41,0.14000000000000001,190.4]
["RGPS - Contribuição Patronal",null,null,null,null,null,{"$f":"G8*2","v":0.28000000000000003},null,null,null,null,null,null,null,null,null,null,0.27500000000000002,908.73,null,"Acima",0.1]
["RGPS - Contribuição Inativo",null,null,null,null,null,0,null,"COMPARATIVO DE RESULTADOS",null,null,null,null,null,null,null,"Limite de desconto simplificado",null,{"$f":"Q5*0.25","v":607.20000000000005}]
["Situação Atual no RGPS (1 - SEM Limite; 2 - COM Limite)",null,null,null,null,null,{"$f":"'1-Tipo Simulacao'!J29","v":2},null,"Descrição",null,null,null,"Atual Situação","Nova Situação","Variação",null,"Isenção para Maiores de 65 anos",null,1903.98]
["Tipo de Participante (1 - Patrocinado; 2 - Facultativo)",null,null,null,null,null,{"$f":"'1-Tipo Simulacao'!J28","v":1},null,"Benefício RGPS",null,null,null,{"$f":"'2-Entrada de Dados'!K35","v":0},{"$f":"'2-Entrada de Dados'!K35","v":0},"-"]
["RPC - Contribuição Laboral",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K10","v":8.5000000000000006E-2},null,"Benefício Especial",null,null,null,0,0,"-",null,"IR - Progressivo"]
["RPC - Contribuição Patronal",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K11","v":8.5000000000000006E-2},null,"Benefício RPC",null,null,null,0,{"$f":"M8","v":0},"-",null,"Descrição",null,"Atual Situação","Nova Situação"]
["RPC - Taxa de Carregamento - Contribuição Básica",null,null,null,null,null,{"$f":"IF(G12=1, 6.8%, 3.4%)","v":6.8000000000000005E-2},null,"Benefício Total Bruto",null,null,null,{"$f":"SUM(M12:M14)","v":0},{"$f":"SUM(N12:N14)","v":0},{"$f":"N15/M15-1","v":{"$error":"#DIV/0!"}},null,null,null,null,"RGPS","Ben. Especial","RPC","TOTAL"]
["RPC - Taxa de Carregamento - Contribuição Adicional",null,null,null,null,null,3.4000000000000002E-2,null,"Contribuição de Inativo no RGPS",null,null,null,{"$f":"-MAX(M12-G24,0)*G10","v":0},{"$f":"-MAX(N12-G24,0)*G10","v":0},{"$f":"N16/M16-1","v":{"$error":"#DIV/0!"}},null,"a) Renda",null,{"$f":"M12","v":0},{"$f":"N12","v":0},{"$f":"N13","v":0},{"$f":"IF(UPPER(G30)=\"P\",N14,0)","v":0},{"$f":"SUM(T16:V16)","v":0}]
["RPC - Taxa de Carregamento - Benefício",null,null,null,null,null,0.02,null,"Taxa de Carregamento no RPC",null,null,null,0,{"$f":"-N14*G17","v":0},"-",null,"b) Contribuição de Inativo",null,{"$f":"M16","v":0},{"$f":"N16","v":0},0,{"$f":"IF(UPPER(G30)=\"P\",N17,0)","v":0},{"$f":"SUM(T17:V17)","v":0}]
["Sexo de Nascimento",null,null,null,null,null,{"$f":"UPPER('2-Entrada de Dados'!K14)","v":""},null,"Imposto de Renda Progressivo",null,null,null,{"$f":"-S22","v":0},{"$f":"-W22","v":0},{"$f":"N18/M18-1","v":{"$error":"#DIV/0!"}},null,"c) Isenção para Maiores de 65 anos",null,{"$f":"-IF($G$20>=65, S11, 0)","v":0},{"$f":" - IF($G$20>=65, $S$11, 0)","v":0},"-","-",{"$f":"SUM(T18:V18)","v":0}]
["Idade Atual",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K14","v":125},null,"Imposto de Renda Regressivo",null,null,null,0,{"$f":"IF(UPPER(G30)=\"P\", 0, -S29)","v":0},"-",null,"d.1) Base de Cálculo (a + b + c)",null,{"$f":"SUM(S16:S18)","v":0},{"$f":"SUM(T16:T18)","v":0},{"$f":"SUM(U16:U18)","v":0},{"$f":"SUM(V16:V18)","v":0},{"$f":"SUM(W16:W18)","v":0}]
["Idade na Aposentadoria",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K15","v":0},null,"Benefício Total Líquido",null,null,null,{"$f":"SUM(M15:M19)","v":0},{"$f":"SUM(N15:N19)","v":0},{"$f":"N20/M20-1","v":{"$error":"#DIV/0!"}},null,"d.2) Base de Cálculo Simplificada",null,{"$f":"S16+S18-$S$10","v":-607.20000000000005},{"$f":"T16+T18-$S$10","v":-607.20000000000005},null,null,{"$f":"W16+W18-$S$10","v":-607.20000000000005}]
["Remuneração Atual",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K18","v":0},null,"% Atingimento do Benefício Total Líquido na Nova Situação",null,null,null,0,{"$f":"N20/M20","v":{"$error":"#DIV/0!"}},null,null,"d) Base de Cálculo (mín(d.1 e d.2))",null,{"$f":"MIN(S19:S20)","v":-607.20000000000005},{"$f":"MIN(T19:T20)","v":-607.20000000000005},null,null,{"$f":"MIN(W19:W20)","v":-607.20000000000005}]
["Teto do Poder",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K21","v":0},null,"Poupança Individual na Aposentadoria",null,null,null,0,{"$f":"MAX(AV42:AV1205)","v":0},null,null,"Imposto de Renda Progressivo",null,{"$f":"IF(S21<=Q5,0,IF(S21<=Q6,S21*R6-S6,IF(S21<=Q7,S21*R7-S7,IF(S21<Q8,S21*R8-S8,S21*R9-S9))))","v":0},"-","-","-",{"$f":"IF(W21<=Q5,0,IF(W21<=Q6,W21*R6-S6,IF(W21<=Q7,W21*R7-S7,IF(W21<Q8,W21*R8-S8,W21*R9-S9))))","v":0}]
["Taxa Real Anual de Crescimento Salarial",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K24","v":0.01},null,"VP - Benefícios Brutos",null,null,null,{"$f":"NPV($G$5,L42:L1205)","v":0},{"$f":"NPV($G$5,Z42:Z1205) + NPV($G$5,AF42:AF1205) + NPV($G$5,AA42:AA1205)","v":0},{"$f":"N23/M23-1","v":{"$error":"#DIV/0!"}},null,"https://www27.receita.fazenda.gov.br/simulador-irpf/"]
["Teto de Isenção de Contribuição de Inativo no RGPS",null,null,null,null,null,0,null,"VP - Contribuições Laborais",null,null,null,{"$f":"NPV($G$5,H42:H1205)","v":0},{"$f":"NPV($G$5,U42:U1205)+NPV($G$5,V42:V1205)","v":0},{"$f":"N24/M24-1","v":{"$error":"#DIV/0!"}}]
["Teto do RGPS",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K7","v":8157.41},null,"VP - Contribuições Inativo",null,null,null,{"$f":"NPV($G$5,M42:M1205)","v":0},{"$f":"NPV($G$5,AB42:AB1205)","v":0},{"$f":"N25/M25-1","v":{"$error":"#DIV/0!"}},null,"IR - Regressivo"]
["Mês de Entrada no RPC (Posição da Simulação)",null,null,null,null,null,{"$f":"DATE(YEAR('Anexo I - Parametros'!K13),MONTH('Anexo I - Parametros'!K13),1)","v":"2025-11-01"},null,"VP - Taxa de Carregamento no RPC",null,null,null,0,{"$f":"NPV($G$5,AI42:AI1205)","v":0},0,null,"Tempo de RPC na Aposentadoria (anos)",null,{"$f":"G28","v":-125.83436002737851}]
["Mês de Aposentadoria",null,null,null,null,null,{"$f":"DATE(YEAR('Anexo I - Parametros'!K16),MONTH('Anexo I - Parametros'!K16),1)","v":"1900-01-01"},null,"VP - Imposto de Renda",null,null,null,{"$f":"NPV($G$5,O42:O1205)","v":0},{"$f":"NPV($G$5,AD42:AD1205)+NPV($G$5,AH42:AH1205) - (NPV($G$5,J42:J1205)-NPV($G$5,X42:X1205))","v":0},{"$f":"N27/M27-1","v":{"$error":"#DIV/0!"}},null,"Alíquota Aplicada na Aposentadoria",null,{"$f":"IF(G28<=U4,V4,IF(G28<=U5,V5,IF(G28<=U6,V6,IF(G28<=U7,V7,IF(G28<=U8,V8,V9)))))","v":0.35}]
["Tempo de Contribuição Futura ao RPC (anos)",null,null,null,null,null,{"$f":"(G27-G26)/365.25","v":-125.83436002737851},null,"VPL - Benefícios Líquidos",null,null,null,{"$f":"SUM(M23:M27)","v":0},{"$f":"SUM(N23:N27)","v":0},{"$f":"N28/M28-1","v":{"$error":"#DIV/0!"}},null,"Base de Cálculo (Benefício Líquido RPC)",null,{"$f":"IF(UPPER('Anexo II - Situacao com RPC'!K25)=\"R\", N14+N17*0,0)","v":0}]
["Duração do Benefício em Prazo Certo (anos)",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K18","v":86},null,"VPL - Fluxo do Segurado nas Fases Ativa e Inativa",null,null,null,{"$f":"NPV($G$5,Q42:Q1205)","v":0},{"$f":"NPV($G$5,AK42:AK1205)","v":0},{"$f":"N29/M29-1","v":{"$error":"#DIV/0!"}},null,"Imposto de Renda Regressivo",null,{"$f":"S27*S28","v":0}]
["Regime Tribuário Regressivo",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K25","v":"R"}]
["Mês de Encerramento do Benefício em Prazo Certo",null,null,null,null,null,{"$f":"EDATE(G27,G29*12+1)","v":"1986-02-01"}]
["Expectativa de Sobrevida do Participante na Aposentadoria (anos)",null,null,null,null,null,{"$f":"IF(G18=\"M\", ROUND(VLOOKUP(INT(G20),TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(INT(G20),TbSobrVAL!$M$4:$W$134,10,FALSE),0))","v":85}]
["Estimativa de Tempo de Recebimento do Benefício no RGPS (anos)",null,null,null,null,null,{"$f":"MAX(G32,G29)*0+G32","v":85}]
["Estimativa de Término do Benefício no RGPS",null,null,null,null,null,{"$f":"EDATE(G27,G33*12+1)","v":"1985-02-01"}]
["Idade de Aposentadoria por Categoria (Projeção do Capital Segurado)",null,null,null,null,null,{"$f":"IF('2-Entrada de Dados'!K18=1, IF(G18=\"M\", 65, 62), IF('2-Entrada de Dados'!K18=2, IF(G18=\"M\", 60, 57), 'CALC BASE'!G20))","v":62}]
["Mês de Aposentadoria por Categoria (Projeção do Capital Segurado)",null,null,null,null,null,{"$f":"DATE(YEAR(EDATE('2-Entrada de Dados'!K11,G35*12)), MONTH(EDATE('2-Entrada de Dados'!K11,G35*12)), 1)","v":"1961-12-01"}]
["Nota: Os valores em azul foram informados pelo usuário."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cálculos do Seguro"]
[null,null,null,"Evolução da Remuneração de Contribuição",null,"Cenário 1: Somente RGPS",null,null,null,null,null,null,null,null,null,null,null,null,"Cenário 2: RGPS + BE + RPC",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Projeção de Saldo no RPC",null,null,null,null,null,null,null,"Poupança Individual\n(Diferença no Salário Líquido, resultante da redução de contribuição para o RGPS)","Saldo",null,"Meses até a Aposentadoria","Contribuição Básica\n(Participante + Patrocinador)","Capital Segurado\n(Parcela de Risco)","Prêmio Cobertura Morte\n(a cada R$ 100.000,00)","Prêmio Cobertura Invalidez\n(a cada R$ 100.000,00)","Prazo Certo\n(Mínimo entre 30 e a Expectativa de Sobrevida do Participante\nem anos)","Anuidade Financeira\n(13 pagamentos anuais)","Benefício por Invalidez ou Morte\n(Conversão do Saldo Acumulado + Capital Segurado)",null,null,null,null,null,null,"Projeção de Saldo no RPC - CONTA DE PARTICIPANTE",null,null,null,null,null,null,"Projeção de Saldo no RPC - CONTA DE PATROCINADOR",null,null,null,null,null,null,"Projeção","Projeção"]
["Data","Nº Remunerações","Idade",null,null,"Remuneração",null,null,null,null,null,"Benefício no RGPS",null,null,null,null,"Fluxo Segurado",null,"Remuneração",null,null,null,null,null,null,"Benefício RGPS + Benefício Especial",null,null,null,null,null,"Benefício RPC",null,null,null,null,"Fluxo Segurado",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Part + Patr)","(Part)"]
[null,null,null,null,null,"Remuneração de Contribuição Bruta","Salário Bruto Base RGPS","Ctb Laboral RGPS","Base de Cálculo IR","Imposto de Renda","Salário Líquido","Benefício Bruto","Contribuição de\nInativo","Base de Cálculo IR","Imposto de Renda","Benefício Líquido",null,null,"Salário Bruto Base RGPS","Salário Bruto Base RPC","Contribuição Laboral\nRGPS","Ctribuição Laboral\nRPC","Base de Cálculo IR","Imposto de Renda","Salário Líquido","Benefício RGPS\nBruto","Benefício Especial Bruto","Contribuição\nde Inativo","Base de Cálculo IR\nProgressivo","Imposto de Renda\nProgressivo","Benefício \nRGPS + BE\nLíquido","Benefício Bruto\n(RPC)","Tempo de RPC\n(em anos)","Imposto de Renda\nRegressivo","Taxa de Carreg. sobre Benefício RPC","Benefício Líquido \nRPC",null,null,"Contribuição Laboral","Contribuição Patronal","Taxa de Carregamento","Ctb Risco","Benefício\nRPC","Retono dos Investimentos","Saldo Acumulado",null,null,null,null,null,null,null,null,null,null,null,null,null,"Sem Migração","Com Migração","Fase Ativa: Efeito na Remuneração Líquida","Fase Inativa: Efeito no Benefício Líquido",null,"Contribuição Laboral","Taxa de Carregamento","Ctb Risco","Retono dos Investimentos","Saldo Acumulado","Saldo Participante Sem Retorno  Investimentos",null,"Contribuição Patronal","Taxa de Carregamento","Ctb Risco","Retono dos Investimentos","Saldo Acumulado","Saldo Patronal Sem Retorno  Investimentos",null,"Saldo do Retorno  dos Investimentos","Saldo do Retorno  dos Investimentos"]
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[{"$f":"IF(A1202>TbSobrVAL!$H$1,\"-\",EDATE(A1202,1))","v":"-"},1,{"$f":"IF(A1203=\"-\", A1203, INT((A1203-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,{"$f":"IF(T1203<=0,0, VLOOKUP(C1203,Premios!$G$4:$I$104,3,FALSE))","v":0},0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX1203<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A1203)<> 1, BA1202, VLOOKUP(C1203,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX1203<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A1203)<> 1, BB1202,  VLOOKUP(C1203,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX1203=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C1203,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C1203,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX1203=0,0,  1/PMT($G$7,BC1203*12,-1,0,0) + (1/PMT($G$6,BC1203,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0]
[{"$f":"IF(A1203>TbSobrVAL!$H$1,\"-\",EDATE(A1203,1))","v":"-"},1,{"$f":"IF(A1204=\"-\", A1204, INT((A1204-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,{"$f":"IF(T1204<=0,0, VLOOKUP(C1204,Premios!$G$4:$I$104,3,FALSE))","v":0},0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX1204<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A1204)<> 1, BA1203, VLOOKUP(C1204,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX1204<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A1204)<> 1, BB1203,  VLOOKUP(C1204,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX1204=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C1204,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C1204,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX1204=0,0,  1/PMT($G$7,BC1204*12,-1,0,0) + (1/PMT($G$6,BC1204,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0]
[{"$f":"IF(A1204>TbSobrVAL!$H$1,\"-\",EDATE(A1204,1))","v":"-"},1,{"$f":"IF(A1205=\"-\", A1205, INT((A1205-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,{"$f":"IF(T1205<=0,0, VLOOKUP(C1205,Premios!$G$4:$I$104,3,FALSE))","v":0},0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX1205<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A1205)<> 1, BA1204, VLOOKUP(C1205,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX1205<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A1205)<> 1, BB1204,  VLOOKUP(C1205,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX1205=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C1205,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C1205,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX1205=0,0,  1/PMT($G$7,BC1205*12,-1,0,0) + (1/PMT($G$6,BC1205,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0]

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["MODELO DE SIMULAÇÃO INDIVIDUAL"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Imposto de Renda Regresssivo"]
["PARÂMETROS",null,null,null,null,null,null,null,"RESULTADOS NO REGIME DE PREVIDÊNCIA COMPLEMENTAR (RPC)",null,null,null,null,null,null,null,{"$f":"'CALC BASE'!Q3","v":"Imposto de Renda Progressivo - A partir de 05/2025"},null,null,null,"Tempo Perm.","Alíquota",null,{"$f":"'CALC BASE'!X3","v":"Alíquotas RGPS - A partir de 01/2025"}]
["Taxa de Juros (a.a.) - Fase Ativa",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!H39","v":0.05},null,"Descrição",null,null,null,"Total",null,null,null,"Limite Sup.","Alíquota","Dedução",null,2,0.35,null,"Limite Sup.","Alíquota","Dedução"]
["Taxa de Juros (a.m.) - Fase Ativa",null,null,null,null,null,{"$f":"(1+G4)^(1/12)-1","v":4.0741237836483535E-3},null,"Reserva Acumulada pelo Participante",null,null,null,{"$f":"IFERROR(VLOOKUP(G27,A42:AS1205,45,FALSE),0)","v":0},null,null,null,{"$f":"'CALC BASE'!Q5","v":2428.8000000000002},{"$f":"'CALC BASE'!R5","v":0},{"$f":"'CALC BASE'!S5","v":0},null,4,0.3,null,{"$f":"'CALC BASE'!X5","v":1518},{"$f":"'CALC BASE'!Y5","v":7.4999999999999997E-2},{"$f":"'CALC BASE'!Z5","v":0}]
["Taxa de Juros (a.a.) - Fase Inativa",null,null,null,null,null,{"$f":"'CALC BASE'!G6","v":4.6799999999999994E-2},null,"Duração do Benefício em Prazo Certo (anos)",null,null,null,{"$f":"G29","v":86},null,null,null,{"$f":"'CALC BASE'!Q6","v":2826.65},{"$f":"'CALC BASE'!R6","v":7.4999999999999997E-2},{"$f":"'CALC BASE'!S6","v":182.16},null,6,0.25,null,{"$f":"'CALC BASE'!X6","v":2793.88},{"$f":"'CALC BASE'!Y6","v":0.09},{"$f":"'CALC BASE'!Z6","v":22.77}]
["Taxa de Juros (a.m.) - Fase Inativa",null,null,null,null,null,{"$f":"(1+G6)^(1/12)-1","v":3.8187639418887365E-3},null,"Anuidade Financeira (13 pagamentos anuais)",null,null,null,{"$f":"IF(M6=0,0, 1/PMT(G7,M6*12,-1,0,0) + (1/PMT(G6,M6,-1,0,1)) / (1+G7)^(12-MONTH('Anexo I - Parametros'!K9)))","v":277.76784548788157},null,null,null,{"$f":"'CALC BASE'!Q7","v":3751.05},{"$f":"'CALC BASE'!R7","v":0.15},{"$f":"'CALC BASE'!S7","v":394.16},null,8,0.2,null,{"$f":"'CALC BASE'!X7","v":4190.83},{"$f":"'CALC BASE'!Y7","v":0.12},{"$f":"'CALC BASE'!Z7","v":106.59}]
["RGPS - Contribuição Laboral",null,null,null,null,null,0.14000000000000001,null,"Benefício de Aposentadoria em Prazo Certo",null,null,null,{"$f":"IF(M7=0,0, M5/M7)","v":0},null,null,null,{"$f":"'CALC BASE'!Q8","v":4664.68},{"$f":"'CALC BASE'!R8","v":0.22500000000000001},{"$f":"'CALC BASE'!S8","v":675.49},null,10,0.15,null,{"$f":"'CALC BASE'!X8","v":8157.41},{"$f":"'CALC BASE'!Y8","v":0.14000000000000001},{"$f":"'CALC BASE'!Z8","v":190.4}]
["RGPS - Contribuição Patronal",null,null,null,null,null,{"$f":"G8*2","v":0.28000000000000003},null,null,null,null,null,null,null,null,null,null,{"$f":"'CALC BASE'!R9","v":0.27500000000000002},{"$f":"'CALC BASE'!S9","v":908.73},null,"Acima",0.1,null,{"$f":"'CALC BASE'!X9","v":0},{"$f":"'CALC BASE'!Y9","v":0},{"$f":"'CALC BASE'!Z9","v":0}]
["RGPS - Contribuição Inativo",null,null,null,null,null,{"$f":"'CALC BASE'!G10","v":0},null,"COMPARATIVO DE RESULTADOS",null,null,null,null,null,null,null,"Limite de desconto simplificado",null,{"$f":"Q5*0.25","v":607.20000000000005}]
["Situação Atual no RGPS (1 - SEM Limite; 2 - COM Limite)",null,null,null,null,null,{"$f":"'1-Tipo Simulacao'!J29","v":2},null,"Descrição",null,null,null,"Atual Situação","Nova Situação","Variação",null,"Isenção para Maiores de 65 anos",null,1903.98]
["Tipo de Participante (1 - Patrocinado; 2 - Facultativo)",null,null,null,null,null,{"$f":"'1-Tipo Simulacao'!J28","v":1},null,"Benefício RGPS",null,null,null,{"$f":"'2-Entrada de Dados'!K35","v":0},{"$f":"'2-Entrada de Dados'!K35","v":0},"-"]
["RPC - Contribuição Laboral",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K10","v":8.5000000000000006E-2},null,"Benefício Especial",null,null,null,0,0,"-",null,"IR - Progressivo"]
["RPC - Contribuição Patronal",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K11","v":8.5000000000000006E-2},null,"Benefício RPC",null,null,null,0,{"$f":"M8","v":0},"-",null,"Descrição",null,"Atual Situação","Nova Situação"]
["RPC - Taxa de Carregamento - Contribuição Básica",null,null,null,null,null,{"$f":"IF(G12=1, 6.8%, 3.4%)","v":6.8000000000000005E-2},null,"Benefício Total Bruto",null,null,null,{"$f":"SUM(M12:M14)","v":0},{"$f":"SUM(N12:N14)","v":0},{"$f":"N15/M15-1","v":{"$error":"#DIV/0!"}},null,null,null,null,"RGPS","Ben. Especial","RPC","TOTAL"]
["RPC - Taxa de Carregamento - Contribuição Adicional",null,null,null,null,null,3.4000000000000002E-2,null,"Contribuição de Inativo no RGPS",null,null,null,{"$f":"-MAX(M12-G24,0)*G10","v":0},{"$f":"-MAX(N12-G24,0)*G10","v":0},{"$f":"N16/M16-1","v":{"$error":"#DIV/0!"}},null,"a) Renda",null,{"$f":"M12","v":0},{"$f":"N12","v":0},{"$f":"N13","v":0},{"$f":"IF(UPPER(G30)=\"P\",N14,0)","v":0},{"$f":"SUM(T16:V16)","v":0}]
["RPC - Taxa de Carregamento - Benefício",null,null,null,null,null,0.02,null,"Taxa de Carregamento no RPC",null,null,null,0,{"$f":"-N14*G17","v":0},"-",null,"b) Contribuição de Inativo",null,{"$f":"M16","v":0},{"$f":"N16","v":0},0,{"$f":"IF(UPPER(G30)=\"P\",N17,0)","v":0},{"$f":"SUM(T17:V17)","v":0}]
["Sexo de Nascimento",null,null,null,null,null,{"$f":"UPPER('2-Entrada de Dados'!K14)","v":""},null,"Imposto de Renda Progressivo",null,null,null,{"$f":"-S22","v":0},{"$f":"-W22","v":0},{"$f":"N18/M18-1","v":{"$error":"#DIV/0!"}},null,"c) Isenção para Maiores de 65 anos",null,{"$f":"-IF($G$20>=65, S11, 0)","v":0},{"$f":" - IF($G$20>=65, $S$11, 0)","v":0},"-","-",{"$f":"SUM(T18:V18)","v":0}]
["Idade Atual",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K14","v":125},null,"Imposto de Renda Regressivo",null,null,null,0,{"$f":"IF(UPPER(G30)=\"P\", 0, -S29)","v":0},"-",null,"d.1) Base de Cálculo (a + b + c)",null,{"$f":"SUM(S16:S18)","v":0},{"$f":"SUM(T16:T18)","v":0},{"$f":"SUM(U16:U18)","v":0},{"$f":"SUM(V16:V18)","v":0},{"$f":"SUM(W16:W18)","v":0}]
["Idade na Aposentadoria",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K15","v":0},null,"Benefício Total Líquido",null,null,null,{"$f":"SUM(M15:M19)","v":0},{"$f":"SUM(N15:N19)","v":0},{"$f":"N20/M20-1","v":{"$error":"#DIV/0!"}},null,"d.2) Base de Cálculo Simplificada",null,{"$f":"S16+S18-$S$10","v":-607.20000000000005},{"$f":"T16+T18-$S$10","v":-607.20000000000005},null,null,{"$f":"W16+W18-$S$10","v":-607.20000000000005}]
["Remuneração Atual",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K18","v":0},null,"% Atingimento do Benefício Total Líquido na Nova Situação",null,null,null,0,{"$f":"N20/M20","v":{"$error":"#DIV/0!"}},null,null,"d) Base de Cálculo (mín(d.1 e d.2))",null,{"$f":"MIN(S19:S20)","v":-607.20000000000005},{"$f":"MIN(T19:T20)","v":-607.20000000000005},null,null,{"$f":"MIN(W19:W20)","v":-607.20000000000005}]
["Teto do Poder",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K21","v":0},null,"Poupança Individual na Aposentadoria",null,null,null,0,{"$f":"MAX(AV42:AV1205)","v":0},null,null,"Imposto de Renda Progressivo",null,{"$f":"IF(S21<=Q5,0,IF(S21<=Q6,S21*R6-S6,IF(S21<=Q7,S21*R7-S7,IF(S21<Q8,S21*R8-S8,S21*R9-S9))))","v":0},"-","-","-",{"$f":"IF(W21<=Q5,0,IF(W21<=Q6,W21*R6-S6,IF(W21<=Q7,W21*R7-S7,IF(W21<Q8,W21*R8-S8,W21*R9-S9))))","v":0}]
["Taxa Real Anual de Crescimento Salarial",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K24","v":0.01},null,"VP - Benefícios Brutos",null,null,null,{"$f":"NPV($G$5,L42:L1205)","v":0},{"$f":"NPV($G$5,Z42:Z1205) + NPV($G$5,AF42:AF1205) + NPV($G$5,AA42:AA1205)","v":0},{"$f":"N23/M23-1","v":{"$error":"#DIV/0!"}}]
["Teto de Isenção de Contribuição de Inativo no RGPS",null,null,null,null,null,0,null,"VP - Contribuições Laborais",null,null,null,{"$f":"NPV($G$5,H42:H1205)","v":0},{"$f":"NPV($G$5,U42:U1205)+NPV($G$5,V42:V1205)","v":0},{"$f":"N24/M24-1","v":{"$error":"#DIV/0!"}}]
["Teto do RGPS",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K7","v":8157.41},null,"VP - Contribuições Inativo",null,null,null,{"$f":"NPV($G$5,M42:M1205)","v":0},{"$f":"NPV($G$5,AB42:AB1205)","v":0},{"$f":"N25/M25-1","v":{"$error":"#DIV/0!"}},null,"IR - Regressivo"]
["Mês de Entrada no RPC (Posição da Simulação)",null,null,null,null,null,{"$f":"DATE(YEAR('Anexo I - Parametros'!K13),MONTH('Anexo I - Parametros'!K13),1)","v":"2025-11-01"},null,"VP - Taxa de Carregamento no RPC",null,null,null,0,{"$f":"NPV($G$5,AI42:AI1205)","v":0},0,null,"Tempo de RPC na Aposentadoria (anos)",null,{"$f":"G28","v":-125.83436002737851}]
["Mês de Aposentadoria",null,null,null,null,null,{"$f":"DATE(YEAR('Anexo I - Parametros'!K16),MONTH('Anexo I - Parametros'!K16),1)","v":"1900-01-01"},null,"VP - Imposto de Renda",null,null,null,{"$f":"NPV($G$5,O42:O1205)","v":0},{"$f":"NPV($G$5,AD42:AD1205)+NPV($G$5,AH42:AH1205) - (NPV($G$5,J42:J1205)-NPV($G$5,X42:X1205))","v":0},{"$f":"N27/M27-1","v":{"$error":"#DIV/0!"}},null,"Alíquota Aplicada na Aposentadoria",null,{"$f":"IF(G28<=U4,V4,IF(G28<=U5,V5,IF(G28<=U6,V6,IF(G28<=U7,V7,IF(G28<=U8,V8,V9)))))","v":0.35}]
["Tempo de Contribuição Futura ao RPC (anos)",null,null,null,null,null,{"$f":"(G27-G26)/365.25","v":-125.83436002737851},null,"VPL - Benefícios Líquidos",null,null,null,{"$f":"SUM(M23:M27)","v":0},{"$f":"SUM(N23:N27)","v":0},{"$f":"N28/M28-1","v":{"$error":"#DIV/0!"}},null,"Base de Cálculo (Benefício Líquido RPC)",null,{"$f":"IF(UPPER('Anexo II - Situacao com RPC'!K25)=\"R\", N14+N17*0,0)","v":0}]
["Duração do Benefício em Prazo Certo (anos)",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K18","v":86},null,"VPL - Fluxo do Segurado nas Fases Ativa e Inativa",null,null,null,{"$f":"NPV($G$5,Q42:Q1205)","v":0},{"$f":"NPV($G$5,AK42:AK1205)","v":0},{"$f":"N29/M29-1","v":{"$error":"#DIV/0!"}},null,"Imposto de Renda Regressivo",null,{"$f":"S27*S28","v":0}]
["Regime Tribuário Regressivo",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K25","v":"R"}]
["Mês de Encerramento do Benefício em Prazo Certo",null,null,null,null,null,{"$f":"EDATE(G27,G29*12+1)","v":"1986-02-01"}]
["Expectativa de Sobrevida do Participante na Aposentadoria (anos)",null,null,null,null,null,{"$f":"IF(G18=\"M\", ROUND(VLOOKUP(INT(G20),TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(INT(G20),TbSobrVAL!$M$4:$W$134,10,FALSE),0))","v":85}]
["Estimativa de Tempo de Recebimento do Benefício no RGPS (anos)",null,null,null,null,null,{"$f":"MAX(G32,G29)*0+G32","v":85}]
["Estimativa de Término do Benefício no RGPS",null,null,null,null,null,{"$f":"EDATE(G27,G33*12+1)","v":"1985-02-01"}]
["Idade de Aposentadoria por Categoria (Projeção do Capital Segurado)",null,null,null,null,null,{"$f":"'CALC BASE'!G35","v":62}]
["Mês de Aposentadoria por Categoria (Projeção do Capital Segurado)",null,null,null,null,null,{"$f":"DATE(YEAR(EDATE('2-Entrada de Dados'!K11,G35*12)), MONTH(EDATE('2-Entrada de Dados'!K11,G35*12)), 1)","v":"1961-12-01"}]
["Nota: Os valores em azul foram informados pelo usuário."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cálculos do Seguro"]
[null,null,null,"Evolução da Remuneração de Contribuição",null,"Cenário 1: Somente RGPS",null,null,null,null,null,null,null,null,null,null,null,null,"Cenário 2: RGPS + BE + RPC",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Projeção de Saldo no RPC",null,null,null,null,null,null,null,"Poupança Individual\n(Diferença no Salário Líquido, resultante da redução de contribuição para o RGPS)","Saldo",null,"Meses até a Aposentadoria","Contribuição Básica\n(Participante + Patrocinador)","Capital Segurado\n(Parcela de Risco)","Prêmio Cobertura Morte\n(a cada R$ 100.000,00)","Prêmio Cobertura Invalidez\n(a cada R$ 100.000,00)","Prazo Certo\n(Mínimo entre 30 e a Expectativa de Sobrevida do Participante\nem anos)","Anuidade Financeira\n(13 pagamentos anuais)","Benefício por Invalidez ou Morte\n(Conversão do Saldo Acumulado + Capital Segurado)"]
["Data","Nº Remunerações","Idade",null,null,"Remuneração",null,null,null,null,null,"Benefício no RGPS",null,null,null,null,"Fluxo Segurado",null,"Remuneração",null,null,null,null,null,null,"Benefício RGPS + Benefício Especial",null,null,null,null,null,"Benefício RPC",null,null,null,null,"Fluxo Segurado"]
[null,null,null,null,null,"Remuneração de Contribuição Bruta","Salário Bruto Base RGPS","Ctb Laboral RGPS","Base de Cálculo IR","Imposto de Renda","Salário Líquido","Benefício Bruto","Contribuição de\nInativo","Base de Cálculo IR","Imposto de Renda","Benefício Líquido",null,null,"Salário Bruto Base RGPS","Salário Bruto Base RPC","Contribuição Laboral\nRGPS","Ctribuição Laboral\nRPC","Base de Cálculo IR","Imposto de Renda","Salário Líquido","Benefício RGPS\nBruto","Benefício Especial Bruto","Contribuição\nde Inativo","Base de Cálculo IR\nProgressivo","Imposto de Renda\nProgressivo","Benefício \nRGPS + BE\nLíquido","Benefício Bruto\n(RPC)","Tempo de RPC\n(em anos)","Imposto de Renda\nRegressivo","Taxa de Carreg. sobre Benefício RPC","Benefício Líquido \nRPC",null,null,"Contribuição Laboral","Contribuição Patronal","Taxa de Carregamento","Ctb Risco","Benefício\nRPC","Retono dos Investimentos","Saldo Acumulado",null,null,null,null,null,null,null,null,null,null,null,null,null,"Sem Migração","Com Migração","Fase Ativa: Efeito na Remuneração Líquida","Fase Inativa: Efeito no Benefício Líquido"]
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[{"$f":"IF(A256>TbSobrVAL!$H$1,\"-\",EDATE(A256,1))","v":"-"},1,{"$f":"IF(A257=\"-\", A257, INT((A257-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX257<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A257)<> 1, BA256, VLOOKUP(C257,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX257<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A257)<> 1, BB256,  VLOOKUP(C257,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX257=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C257,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C257,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX257=0,0,  1/PMT($G$7,BC257*12,-1,0,0) + (1/PMT($G$6,BC257,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A257>TbSobrVAL!$H$1,\"-\",EDATE(A257,1))","v":"-"},1,{"$f":"IF(A258=\"-\", A258, INT((A258-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX258<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A258)<> 1, BA257, VLOOKUP(C258,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX258<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A258)<> 1, BB257,  VLOOKUP(C258,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX258=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C258,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C258,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX258=0,0,  1/PMT($G$7,BC258*12,-1,0,0) + (1/PMT($G$6,BC258,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A258>TbSobrVAL!$H$1,\"-\",EDATE(A258,1))","v":"-"},1,{"$f":"IF(A259=\"-\", A259, INT((A259-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX259<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A259)<> 1, BA258, VLOOKUP(C259,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX259<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A259)<> 1, BB258,  VLOOKUP(C259,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX259=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C259,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C259,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX259=0,0,  1/PMT($G$7,BC259*12,-1,0,0) + (1/PMT($G$6,BC259,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A259>TbSobrVAL!$H$1,\"-\",EDATE(A259,1))","v":"-"},1,{"$f":"IF(A260=\"-\", A260, INT((A260-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX260<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A260)<> 1, BA259, VLOOKUP(C260,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX260<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A260)<> 1, BB259,  VLOOKUP(C260,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX260=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C260,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C260,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX260=0,0,  1/PMT($G$7,BC260*12,-1,0,0) + (1/PMT($G$6,BC260,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A260>TbSobrVAL!$H$1,\"-\",EDATE(A260,1))","v":"-"},1,{"$f":"IF(A261=\"-\", A261, INT((A261-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX261<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A261)<> 1, BA260, VLOOKUP(C261,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX261<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A261)<> 1, BB260,  VLOOKUP(C261,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX261=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C261,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C261,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX261=0,0,  1/PMT($G$7,BC261*12,-1,0,0) + (1/PMT($G$6,BC261,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A261>TbSobrVAL!$H$1,\"-\",EDATE(A261,1))","v":"-"},1,{"$f":"IF(A262=\"-\", A262, INT((A262-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX262<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A262)<> 1, BA261, VLOOKUP(C262,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX262<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A262)<> 1, BB261,  VLOOKUP(C262,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX262=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C262,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C262,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX262=0,0,  1/PMT($G$7,BC262*12,-1,0,0) + (1/PMT($G$6,BC262,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
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[{"$f":"IF(A263>TbSobrVAL!$H$1,\"-\",EDATE(A263,1))","v":"-"},1,{"$f":"IF(A264=\"-\", A264, INT((A264-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX264<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A264)<> 1, BA263, VLOOKUP(C264,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX264<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A264)<> 1, BB263,  VLOOKUP(C264,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX264=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C264,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C264,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX264=0,0,  1/PMT($G$7,BC264*12,-1,0,0) + (1/PMT($G$6,BC264,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
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[{"$f":"IF(A269>TbSobrVAL!$H$1,\"-\",EDATE(A269,1))","v":"-"},1,{"$f":"IF(A270=\"-\", A270, INT((A270-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX270<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A270)<> 1, BA269, VLOOKUP(C270,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX270<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A270)<> 1, BB269,  VLOOKUP(C270,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX270=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C270,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C270,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX270=0,0,  1/PMT($G$7,BC270*12,-1,0,0) + (1/PMT($G$6,BC270,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
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[{"$f":"IF(A1202>TbSobrVAL!$H$1,\"-\",EDATE(A1202,1))","v":"-"},1,{"$f":"IF(A1203=\"-\", A1203, INT((A1203-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,{"$f":"IF(T1203<=0,0, VLOOKUP(C1203,Premios!$G$4:$I$104,3,FALSE))","v":0},0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX1203<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A1203)<> 1, BA1202, VLOOKUP(C1203,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX1203<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A1203)<> 1, BB1202,  VLOOKUP(C1203,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX1203=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C1203,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C1203,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX1203=0,0,  1/PMT($G$7,BC1203*12,-1,0,0) + (1/PMT($G$6,BC1203,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A1203>TbSobrVAL!$H$1,\"-\",EDATE(A1203,1))","v":"-"},1,{"$f":"IF(A1204=\"-\", A1204, INT((A1204-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,{"$f":"IF(T1204<=0,0, VLOOKUP(C1204,Premios!$G$4:$I$104,3,FALSE))","v":0},0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX1204<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A1204)<> 1, BA1203, VLOOKUP(C1204,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX1204<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A1204)<> 1, BB1203,  VLOOKUP(C1204,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX1204=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C1204,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C1204,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX1204=0,0,  1/PMT($G$7,BC1204*12,-1,0,0) + (1/PMT($G$6,BC1204,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A1204>TbSobrVAL!$H$1,\"-\",EDATE(A1204,1))","v":"-"},1,{"$f":"IF(A1205=\"-\", A1205, INT((A1205-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,{"$f":"IF(T1205<=0,0, VLOOKUP(C1205,Premios!$G$4:$I$104,3,FALSE))","v":0},0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX1205<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A1205)<> 1, BA1204, VLOOKUP(C1205,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX1205<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A1205)<> 1, BB1204,  VLOOKUP(C1205,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX1205=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C1205,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C1205,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX1205=0,0,  1/PMT($G$7,BC1205*12,-1,0,0) + (1/PMT($G$6,BC1205,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]

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["MODELO DE SIMULAÇÃO INDIVIDUAL"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Imposto de Renda Regresssivo"]
["PARÂMETROS",null,null,null,null,null,null,null,"RESULTADOS NO REGIME DE PREVIDÊNCIA COMPLEMENTAR (RPC)",null,null,null,null,null,null,null,{"$f":"'CALC BASE'!Q3","v":"Imposto de Renda Progressivo - A partir de 05/2025"},null,null,null,"Tempo Perm.","Alíquota",null,{"$f":"'CALC BASE'!X3","v":"Alíquotas RGPS - A partir de 01/2025"}]
["Taxa de Juros (a.a.) - Fase Ativa",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!H37","v":0.03},null,"Descrição",null,null,null,"Total",null,null,null,"Limite Sup.","Alíquota","Dedução",null,2,0.35,null,"Limite Sup.","Alíquota","Dedução"]
["Taxa de Juros (a.m.) - Fase Ativa",null,null,null,null,null,{"$f":"(1+G4)^(1/12)-1","v":2.4662697723036864E-3},null,"Reserva Acumulada pelo Participante",null,null,null,{"$f":"IFERROR(VLOOKUP(G27,A42:AS1205,45,FALSE),0)","v":0},null,null,null,{"$f":"'CALC BASE'!Q5","v":2428.8000000000002},{"$f":"'CALC BASE'!R5","v":0},{"$f":"'CALC BASE'!S5","v":0},null,4,0.3,null,{"$f":"'CALC BASE'!X5","v":1518},{"$f":"'CALC BASE'!Y5","v":7.4999999999999997E-2},{"$f":"'CALC BASE'!Z5","v":0}]
["Taxa de Juros (a.a.) - Fase Inativa",null,null,null,null,null,{"$f":"'CALC BASE'!G6","v":4.6799999999999994E-2},null,"Duração do Benefício em Prazo Certo (anos)",null,null,null,{"$f":"G29","v":86},null,null,null,{"$f":"'CALC BASE'!Q6","v":2826.65},{"$f":"'CALC BASE'!R6","v":7.4999999999999997E-2},{"$f":"'CALC BASE'!S6","v":182.16},null,6,0.25,null,{"$f":"'CALC BASE'!X6","v":2793.88},{"$f":"'CALC BASE'!Y6","v":0.09},{"$f":"'CALC BASE'!Z6","v":22.77}]
["Taxa de Juros (a.m.) - Fase Inativa",null,null,null,null,null,{"$f":"(1+G6)^(1/12)-1","v":3.8187639418887365E-3},null,"Anuidade Financeira (13 pagamentos anuais)",null,null,null,{"$f":"IF(M6=0,0, 1/PMT(G7,M6*12,-1,0,0) + (1/PMT(G6,M6,-1,0,1)) / (1+G7)^(12-MONTH('Anexo I - Parametros'!K9)))","v":277.76784548788157},null,null,null,{"$f":"'CALC BASE'!Q7","v":3751.05},{"$f":"'CALC BASE'!R7","v":0.15},{"$f":"'CALC BASE'!S7","v":394.16},null,8,0.2,null,{"$f":"'CALC BASE'!X7","v":4190.83},{"$f":"'CALC BASE'!Y7","v":0.12},{"$f":"'CALC BASE'!Z7","v":106.59}]
["RGPS - Contribuição Laboral",null,null,null,null,null,0.14000000000000001,null,"Benefício de Aposentadoria em Prazo Certo",null,null,null,{"$f":"IF(M7=0,0, M5/M7)","v":0},null,null,null,{"$f":"'CALC BASE'!Q8","v":4664.68},{"$f":"'CALC BASE'!R8","v":0.22500000000000001},{"$f":"'CALC BASE'!S8","v":675.49},null,10,0.15,null,{"$f":"'CALC BASE'!X8","v":8157.41},{"$f":"'CALC BASE'!Y8","v":0.14000000000000001},{"$f":"'CALC BASE'!Z8","v":190.4}]
["RGPS - Contribuição Patronal",null,null,null,null,null,{"$f":"G8*2","v":0.28000000000000003},null,null,null,null,null,null,null,null,null,null,{"$f":"'CALC BASE'!R9","v":0.27500000000000002},{"$f":"'CALC BASE'!S9","v":908.73},null,"Acima",0.1,null,{"$f":"'CALC BASE'!X9","v":0},{"$f":"'CALC BASE'!Y9","v":0},{"$f":"'CALC BASE'!Z9","v":0}]
["RGPS - Contribuição Inativo",null,null,null,null,null,{"$f":"'CALC BASE'!G10","v":0},null,"COMPARATIVO DE RESULTADOS",null,null,null,null,null,null,null,"Limite de desconto simplificado",null,{"$f":"Q5*0.25","v":607.20000000000005}]
["Situação Atual no RGPS (1 - SEM Limite; 2 - COM Limite)",null,null,null,null,null,{"$f":"'1-Tipo Simulacao'!J29","v":2},null,"Descrição",null,null,null,"Atual Situação","Nova Situação","Variação",null,"Isenção para Maiores de 65 anos",null,1903.98]
["Tipo de Participante (1 - Patrocinado; 2 - Facultativo)",null,null,null,null,null,{"$f":"'1-Tipo Simulacao'!J28","v":1},null,"Benefício RGPS",null,null,null,{"$f":"'2-Entrada de Dados'!K35","v":0},{"$f":"'2-Entrada de Dados'!K35","v":0},"-"]
["RPC - Contribuição Laboral",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K10","v":8.5000000000000006E-2},null,"Benefício Especial",null,null,null,0,0,"-",null,"IR - Progressivo"]
["RPC - Contribuição Patronal",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K11","v":8.5000000000000006E-2},null,"Benefício RPC",null,null,null,0,{"$f":"M8","v":0},"-",null,"Descrição",null,"Atual Situação","Nova Situação"]
["RPC - Taxa de Carregamento - Contribuição Básica",null,null,null,null,null,{"$f":"IF(G12=1, 6.8%, 3.4%)","v":6.8000000000000005E-2},null,"Benefício Total Bruto",null,null,null,{"$f":"SUM(M12:M14)","v":0},{"$f":"SUM(N12:N14)","v":0},{"$f":"N15/M15-1","v":{"$error":"#DIV/0!"}},null,null,null,null,"RGPS","Ben. Especial","RPC","TOTAL"]
["RPC - Taxa de Carregamento - Contribuição Adicional",null,null,null,null,null,3.4000000000000002E-2,null,"Contribuição de Inativo no RGPS",null,null,null,{"$f":"-MAX(M12-G24,0)*G10","v":0},{"$f":"-MAX(N12-G24,0)*G10","v":0},{"$f":"N16/M16-1","v":{"$error":"#DIV/0!"}},null,"a) Renda",null,{"$f":"M12","v":0},{"$f":"N12","v":0},{"$f":"N13","v":0},{"$f":"IF(UPPER(G30)=\"P\",N14,0)","v":0},{"$f":"SUM(T16:V16)","v":0}]
["RPC - Taxa de Carregamento - Benefício",null,null,null,null,null,0.02,null,"Taxa de Carregamento no RPC",null,null,null,0,{"$f":"-N14*G17","v":0},"-",null,"b) Contribuição de Inativo",null,{"$f":"M16","v":0},{"$f":"N16","v":0},0,{"$f":"IF(UPPER(G30)=\"P\",N17,0)","v":0},{"$f":"SUM(T17:V17)","v":0}]
["Sexo de Nascimento",null,null,null,null,null,{"$f":"UPPER('2-Entrada de Dados'!K14)","v":""},null,"Imposto de Renda Progressivo",null,null,null,{"$f":"-S22","v":0},{"$f":"-W22","v":0},{"$f":"N18/M18-1","v":{"$error":"#DIV/0!"}},null,"c) Isenção para Maiores de 65 anos",null,{"$f":"-IF($G$20>=65, S11, 0)","v":0},{"$f":" - IF($G$20>=65, $S$11, 0)","v":0},"-","-",{"$f":"SUM(T18:V18)","v":0}]
["Idade Atual",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K14","v":125},null,"Imposto de Renda Regressivo",null,null,null,0,{"$f":"IF(UPPER(G30)=\"P\", 0, -S29)","v":0},"-",null,"d.1) Base de Cálculo (a + b + c)",null,{"$f":"SUM(S16:S18)","v":0},{"$f":"SUM(T16:T18)","v":0},{"$f":"SUM(U16:U18)","v":0},{"$f":"SUM(V16:V18)","v":0},{"$f":"SUM(W16:W18)","v":0}]
["Idade na Aposentadoria",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K15","v":0},null,"Benefício Total Líquido",null,null,null,{"$f":"SUM(M15:M19)","v":0},{"$f":"SUM(N15:N19)","v":0},{"$f":"N20/M20-1","v":{"$error":"#DIV/0!"}},null,"d.2) Base de Cálculo Simplificada",null,{"$f":"S16+S18-$S$10","v":-607.20000000000005},{"$f":"T16+T18-$S$10","v":-607.20000000000005},null,null,{"$f":"W16+W18-$S$10","v":-607.20000000000005}]
["Remuneração Atual",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K18","v":0},null,"% Atingimento do Benefício Total Líquido na Nova Situação",null,null,null,0,{"$f":"N20/M20","v":{"$error":"#DIV/0!"}},null,null,"d) Base de Cálculo (mín(d.1 e d.2))",null,{"$f":"MIN(S19:S20)","v":-607.20000000000005},{"$f":"MIN(T19:T20)","v":-607.20000000000005},null,null,{"$f":"MIN(W19:W20)","v":-607.20000000000005}]
["Teto do Poder",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K21","v":0},null,"Poupança Individual na Aposentadoria",null,null,null,0,{"$f":"MAX(AV42:AV1205)","v":0},null,null,"Imposto de Renda Progressivo",null,{"$f":"IF(S21<=Q5,0,IF(S21<=Q6,S21*R6-S6,IF(S21<=Q7,S21*R7-S7,IF(S21<Q8,S21*R8-S8,S21*R9-S9))))","v":0},"-","-","-",{"$f":"IF(W21<=Q5,0,IF(W21<=Q6,W21*R6-S6,IF(W21<=Q7,W21*R7-S7,IF(W21<Q8,W21*R8-S8,W21*R9-S9))))","v":0}]
["Taxa Real Anual de Crescimento Salarial",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K24","v":0.01},null,"VP - Benefícios Brutos",null,null,null,{"$f":"NPV($G$5,L42:L1205)","v":0},{"$f":"NPV($G$5,Z42:Z1205) + NPV($G$5,AF42:AF1205) + NPV($G$5,AA42:AA1205)","v":0},{"$f":"N23/M23-1","v":{"$error":"#DIV/0!"}}]
["Teto de Isenção de Contribuição de Inativo no RGPS",null,null,null,null,null,0,null,"VP - Contribuições Laborais",null,null,null,{"$f":"NPV($G$5,H42:H1205)","v":0},{"$f":"NPV($G$5,U42:U1205)+NPV($G$5,V42:V1205)","v":0},{"$f":"N24/M24-1","v":{"$error":"#DIV/0!"}}]
["Teto do RGPS",null,null,null,null,null,{"$f":"'Anexo I - Parametros'!K7","v":8157.41},null,"VP - Contribuições Inativo",null,null,null,{"$f":"NPV($G$5,M42:M1205)","v":0},{"$f":"NPV($G$5,AB42:AB1205)","v":0},{"$f":"N25/M25-1","v":{"$error":"#DIV/0!"}},null,"IR - Regressivo"]
["Mês de Entrada no RPC (Posição da Simulação)",null,null,null,null,null,{"$f":"DATE(YEAR('Anexo I - Parametros'!K13),MONTH('Anexo I - Parametros'!K13),1)","v":"2025-11-01"},null,"VP - Taxa de Carregamento no RPC",null,null,null,0,{"$f":"NPV($G$5,AI42:AI1205)","v":0},0,null,"Tempo de RPC na Aposentadoria (anos)",null,{"$f":"G28","v":-125.83436002737851}]
["Mês de Aposentadoria",null,null,null,null,null,{"$f":"DATE(YEAR('Anexo I - Parametros'!K16),MONTH('Anexo I - Parametros'!K16),1)","v":"1900-01-01"},null,"VP - Imposto de Renda",null,null,null,{"$f":"NPV($G$5,O42:O1205)","v":0},{"$f":"NPV($G$5,AD42:AD1205)+NPV($G$5,AH42:AH1205) - (NPV($G$5,J42:J1205)-NPV($G$5,X42:X1205))","v":0},{"$f":"N27/M27-1","v":{"$error":"#DIV/0!"}},null,"Alíquota Aplicada na Aposentadoria",null,{"$f":"IF(G28<=U4,V4,IF(G28<=U5,V5,IF(G28<=U6,V6,IF(G28<=U7,V7,IF(G28<=U8,V8,V9)))))","v":0.35}]
["Tempo de Contribuição Futura ao RPC (anos)",null,null,null,null,null,{"$f":"(G27-G26)/365.25","v":-125.83436002737851},null,"VPL - Benefícios Líquidos",null,null,null,{"$f":"SUM(M23:M27)","v":0},{"$f":"SUM(N23:N27)","v":0},{"$f":"N28/M28-1","v":{"$error":"#DIV/0!"}},null,"Base de Cálculo (Benefício Líquido RPC)",null,{"$f":"IF(UPPER('Anexo II - Situacao com RPC'!K25)=\"R\", N14+N17*0,0)","v":0}]
["Duração do Benefício em Prazo Certo (anos)",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K18","v":86},null,"VPL - Fluxo do Segurado nas Fases Ativa e Inativa",null,null,null,{"$f":"NPV($G$5,Q42:Q1205)","v":0},{"$f":"NPV($G$5,AK42:AK1205)","v":0},{"$f":"N29/M29-1","v":{"$error":"#DIV/0!"}},null,"Imposto de Renda Regressivo",null,{"$f":"S27*S28","v":0}]
["Regime Tribuário Regressivo",null,null,null,null,null,{"$f":"'Anexo II - Situacao com RPC'!K25","v":"R"}]
["Mês de Encerramento do Benefício em Prazo Certo",null,null,null,null,null,{"$f":"EDATE(G27,G29*12+1)","v":"1986-02-01"}]
["Expectativa de Sobrevida do Participante na Aposentadoria (anos)",null,null,null,null,null,{"$f":"IF(G18=\"M\", ROUND(VLOOKUP(INT(G20),TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(INT(G20),TbSobrVAL!$M$4:$W$134,10,FALSE),0))","v":85}]
["Estimativa de Tempo de Recebimento do Benefício no RGPS (anos)",null,null,null,null,null,{"$f":"MAX(G32,G29)*0+G32","v":85}]
["Estimativa de Término do Benefício no RGPS",null,null,null,null,null,{"$f":"EDATE(G27,G33*12+1)","v":"1985-02-01"}]
["Idade de Aposentadoria por Categoria (Projeção do Capital Segurado)",null,null,null,null,null,{"$f":"'CALC BASE'!G35","v":62}]
["Mês de Aposentadoria por Categoria (Projeção do Capital Segurado)",null,null,null,null,null,{"$f":"DATE(YEAR(EDATE('2-Entrada de Dados'!K11,G35*12)), MONTH(EDATE('2-Entrada de Dados'!K11,G35*12)), 1)","v":"1961-12-01"}]
["Nota: Os valores em azul foram informados pelo usuário."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cálculos do Seguro"]
[null,null,null,"Evolução da Remuneração de Contribuição",null,"Cenário 1: Somente RGPS",null,null,null,null,null,null,null,null,null,null,null,null,"Cenário 2: RGPS + BE + RPC",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Projeção de Saldo no RPC",null,null,null,null,null,null,null,"Poupança Individual\n(Diferença no Salário Líquido, resultante da redução de contribuição para o RGPS)","Saldo",null,"Meses até a Aposentadoria","Contribuição Básica\n(Participante + Patrocinador)","Capital Segurado\n(Parcela de Risco)","Prêmio Cobertura Morte\n(a cada R$ 100.000,00)","Prêmio Cobertura Invalidez\n(a cada R$ 100.000,00)","Prazo Certo\n(Mínimo entre 30 e a Expectativa de Sobrevida do Participante\nem anos)","Anuidade Financeira\n(13 pagamentos anuais)","Benefício por Invalidez ou Morte\n(Conversão do Saldo Acumulado + Capital Segurado)"]
["Data","Nº Remunerações","Idade",null,null,"Remuneração",null,null,null,null,null,"Benefício no RGPS",null,null,null,null,"Fluxo Segurado",null,"Remuneração",null,null,null,null,null,null,"Benefício RGPS + Benefício Especial",null,null,null,null,null,"Benefício RPC",null,null,null,null,"Fluxo Segurado"]
[null,null,null,null,null,"Remuneração de Contribuição Bruta","Salário Bruto Base RGPS","Ctb Laboral RGPS","Base de Cálculo IR","Imposto de Renda","Salário Líquido","Benefício Bruto","Contribuição de\nInativo","Base de Cálculo IR","Imposto de Renda","Benefício Líquido",null,null,"Salário Bruto Base RGPS","Salário Bruto Base RPC","Contribuição Laboral\nRGPS","Ctribuição Laboral\nRPC","Base de Cálculo IR","Imposto de Renda","Salário Líquido","Benefício RGPS\nBruto","Benefício Especial Bruto","Contribuição\nde Inativo","Base de Cálculo IR\nProgressivo","Imposto de Renda\nProgressivo","Benefício \nRGPS + BE\nLíquido","Benefício Bruto\n(RPC)","Tempo de RPC\n(em anos)","Imposto de Renda\nRegressivo","Taxa de Carreg. sobre Benefício RPC","Benefício Líquido \nRPC",null,null,"Contribuição Laboral","Contribuição Patronal","Taxa de Carregamento","Ctb Risco","Benefício\nRPC","Retono dos Investimentos","Saldo Acumulado",null,null,null,null,null,null,null,null,null,null,null,null,null,"Sem Migração","Com Migração","Fase Ativa: Efeito na Remuneração Líquida","Fase Inativa: Efeito no Benefício Líquido"]
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[{"$f":"IF(A265>TbSobrVAL!$H$1,\"-\",EDATE(A265,1))","v":"-"},1,{"$f":"IF(A266=\"-\", A266, INT((A266-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX266<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A266)<> 1, BA265, VLOOKUP(C266,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX266<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A266)<> 1, BB265,  VLOOKUP(C266,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX266=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C266,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C266,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX266=0,0,  1/PMT($G$7,BC266*12,-1,0,0) + (1/PMT($G$6,BC266,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A266>TbSobrVAL!$H$1,\"-\",EDATE(A266,1))","v":"-"},1,{"$f":"IF(A267=\"-\", A267, INT((A267-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX267<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A267)<> 1, BA266, VLOOKUP(C267,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX267<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A267)<> 1, BB266,  VLOOKUP(C267,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX267=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C267,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C267,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX267=0,0,  1/PMT($G$7,BC267*12,-1,0,0) + (1/PMT($G$6,BC267,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A267>TbSobrVAL!$H$1,\"-\",EDATE(A267,1))","v":"-"},1,{"$f":"IF(A268=\"-\", A268, INT((A268-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX268<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A268)<> 1, BA267, VLOOKUP(C268,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX268<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A268)<> 1, BB267,  VLOOKUP(C268,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX268=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C268,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C268,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX268=0,0,  1/PMT($G$7,BC268*12,-1,0,0) + (1/PMT($G$6,BC268,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A268>TbSobrVAL!$H$1,\"-\",EDATE(A268,1))","v":"-"},1,{"$f":"IF(A269=\"-\", A269, INT((A269-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX269<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A269)<> 1, BA268, VLOOKUP(C269,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX269<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A269)<> 1, BB268,  VLOOKUP(C269,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX269=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C269,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C269,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX269=0,0,  1/PMT($G$7,BC269*12,-1,0,0) + (1/PMT($G$6,BC269,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A269>TbSobrVAL!$H$1,\"-\",EDATE(A269,1))","v":"-"},1,{"$f":"IF(A270=\"-\", A270, INT((A270-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX270<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A270)<> 1, BA269, VLOOKUP(C270,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX270<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A270)<> 1, BB269,  VLOOKUP(C270,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX270=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C270,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C270,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX270=0,0,  1/PMT($G$7,BC270*12,-1,0,0) + (1/PMT($G$6,BC270,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A270>TbSobrVAL!$H$1,\"-\",EDATE(A270,1))","v":"-"},1,{"$f":"IF(A271=\"-\", A271, INT((A271-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX271<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A271)<> 1, BA270, VLOOKUP(C271,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX271<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A271)<> 1, BB270,  VLOOKUP(C271,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX271=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C271,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C271,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX271=0,0,  1/PMT($G$7,BC271*12,-1,0,0) + (1/PMT($G$6,BC271,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
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[{"$f":"IF(A273>TbSobrVAL!$H$1,\"-\",EDATE(A273,1))","v":"-"},1,{"$f":"IF(A274=\"-\", A274, INT((A274-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX274<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A274)<> 1, BA273, VLOOKUP(C274,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX274<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A274)<> 1, BB273,  VLOOKUP(C274,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX274=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C274,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C274,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX274=0,0,  1/PMT($G$7,BC274*12,-1,0,0) + (1/PMT($G$6,BC274,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A274>TbSobrVAL!$H$1,\"-\",EDATE(A274,1))","v":"-"},1,{"$f":"IF(A275=\"-\", A275, INT((A275-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX275<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A275)<> 1, BA274, VLOOKUP(C275,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX275<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A275)<> 1, BB274,  VLOOKUP(C275,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX275=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C275,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C275,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX275=0,0,  1/PMT($G$7,BC275*12,-1,0,0) + (1/PMT($G$6,BC275,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
[{"$f":"IF(A275>TbSobrVAL!$H$1,\"-\",EDATE(A275,1))","v":"-"},1,{"$f":"IF(A276=\"-\", A276, INT((A276-'Anexo I - Parametros'!$K$9)/365.25))","v":"-"},0,null,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,0,null,0,0,null,0,0,0,{"$f":"IF(AX276<=0,0, IF(UPPER(ATENDIMENTO!$C$51)=\"S\", IF(MONTH(A276)<> 1, BA275, VLOOKUP(C276,Premios!$G$4:$I$104,2,FALSE)), 0))","v":0},{"$f":"IF(AX276<=0,0, IF(UPPER(ATENDIMENTO!$C$52)=\"S\", IF(MONTH(A276)<> 1, BB275,  VLOOKUP(C276,Premios!$G$4:$I$104,3,FALSE)), 0))","v":0},{"$f":"IF(AX276=0,0, MIN( 30, IF($G$18=\"M\", ROUND(VLOOKUP(C276,TbSobrVAL!$A$4:$K$134,10,FALSE),0), ROUND(VLOOKUP(C276,TbSobrVAL!$M$4:$W$134,10,FALSE),0))) )","v":0},{"$f":"IF(AX276=0,0,  1/PMT($G$7,BC276*12,-1,0,0) + (1/PMT($G$6,BC276,-1,0,1)) / (1+$G$7)^(12-MONTH('Anexo I - Parametros'!$K$9)) )","v":0},0,null,0,0,0,0]
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