{"id":336,"date":"2026-08-04T19:58:00","date_gmt":"2026-08-04T19:58:00","guid":{"rendered":"https:\/\/coinpric.com\/ferramentas\/calculadora-dca-pt-br\/"},"modified":"2026-08-04T19:58:00","modified_gmt":"2026-08-04T19:58:00","slug":"calculadora-dca","status":"publish","type":"page","link":"https:\/\/coinpric.com\/pt-br\/ferramentas\/calculadora-dca\/","title":{"rendered":"Calculadora de DCA"},"content":{"rendered":"<style>\n.cp-tool{border:1px solid var(--line);border-radius:var(--r);background:var(--card);padding:16px;margin:0 0 20px}\n.cp-tool__h{font-family:var(--font-mono);font-size:10.5px;letter-spacing:.11em;text-transform:uppercase;color:var(--muted);margin:0 0 14px}\n.cp-tool__row{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));margin-bottom:12px}\n.cp-tool label{display:block;font-size:12px;color:var(--muted);margin-bottom:5px}\n.cp-tool input,.cp-tool select{width:100%;padding:9px 10px;border:1px solid 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12px}\n.cp-tool__swap:hover{border-color:var(--brand);color:var(--brand)}\n<\/style><div class=\"cp-tool\"><p class=\"cp-tool__h\">Backtest de aportes peri\u00f3dicos contra aporte \u00fanico<\/p>\t<form method=\"get\" class=\"cp-tool__row\" style=\"margin-bottom:4px\">\n\t\t<div>\n\t\t\t<label for=\"cpd-asset\">Ativo<\/label>\n\t\t\t<select id=\"cpd-asset\" name=\"asset\" onchange=\"this.form.submit()\">\n\t\t\t\t\t\t\t\t\t<option value=\"BTC\" selected>BTC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ETH\">ETH<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"USDC\">USDC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"XRP\">XRP<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"BNB\">BNB<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"SOL\">SOL<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"TRX\">TRX<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"USDE\">USDE<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"DOGE\">DOGE<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ADA\">ADA<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ZEC\">ZEC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"WBTC\">WBTC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"WBETH\">WBETH<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"LINK\">LINK<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"XLM\">XLM<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"BCH\">BCH<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"LTC\">LTC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"HBAR\">HBAR<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"SHIB\">SHIB<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"AVAX\">AVAX<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"SUI\">SUI<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"UNI\">UNI<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"NEAR\">NEAR<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"TAO\">TAO<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"AAVE\">AAVE<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"DOT\">DOT<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"PEPE\">PEPE<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ONDO\">ONDO<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"PAXG\">PAXG<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"XAUT\">XAUT<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"FDUSD\">FDUSD<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ICP\">ICP<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ETC\">ETC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ALGO\">ALGO<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"QNT\">QNT<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"RENDER\">RENDER<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"RLUSD\">RLUSD<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"JST\">JST<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"BFUSD\">BFUSD<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"WLFI\">WLFI<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ASTER\">ASTER<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"APT\">APT<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t<noscript><div style=\"display:flex;align-items:flex-end\"><button class=\"cp-btn\" type=\"submit\">Carregar<\/button><\/div><\/noscript>\n\t<\/form>\n\t<div data-cp-tool=\"dca\" 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data-cp-sym=\"BTC\">\n\t\t<div class=\"cp-tool__row\">\n\t\t\t<div><label for=\"cpd-amt\">Valor por compra (USD)<\/label><input id=\"cpd-amt\" type=\"number\" step=\"any\" min=\"0\" value=\"100\" data-cp=\"amt\"><\/div>\n\t\t\t<div><label for=\"cpd-freq\">Frequ\u00eancia<\/label>\n\t\t\t\t<select id=\"cpd-freq\" data-cp=\"freq\">\n\t\t\t\t\t<option value=\"7\">Semanal<\/option>\n\t\t\t\t\t<option value=\"14\">A cada duas semanas<\/option>\n\t\t\t\t\t<option value=\"30\" selected>Mensal<\/option>\n\t\t\t\t<\/select>\n\t\t\t<\/div>\n\t\t\t<div><label for=\"cpd-days\">Per\u00edodo (dias)<\/label><input id=\"cpd-days\" type=\"number\" step=\"1\" min=\"30\" max=\"365\" value=\"365\" data-cp=\"days\"><\/div>\n\t\t<\/div>\n\t\t<div class=\"cp-out\">\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Total investido<\/p><div class=\"cp-out__v\" data-cp=\"invested\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Valor atual com aportes peri\u00f3dicos<\/p><div class=\"cp-out__v\" data-cp=\"dcaval\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Retorno com aportes peri\u00f3dicos<\/p><div class=\"cp-out__v\" data-cp=\"dcaroi\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Custo m\u00e9dio<\/p><div class=\"cp-out__v\" data-cp=\"avgcost\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Valor com aporte \u00fanico<\/p><div class=\"cp-out__v\" data-cp=\"lsval\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Retorno com aporte \u00fanico<\/p><div class=\"cp-out__v\" data-cp=\"lsroi\"><\/div><\/div>\n\t\t<\/div>\n\t\t<div style=\"margin-top:14px\">\n\t\t\t<svg data-cp=\"chart\" viewBox=\"0 0 720 240\" class=\"cp-cc__svg\" role=\"img\" aria-label=\"Valor da carteira: aportes peri\u00f3dicos contra aporte \u00fanico\"><\/svg>\n\t\t\t<p class=\"cp-tool__note\" style=\"margin-top:6px\">\n\t\t\t\t<span style=\"color:var(--brand)\">&#9632;<\/span> Aportes peri\u00f3dicos\t\t\t\t&nbsp; <span style=\"color:var(--muted)\">&#9632;<\/span> Aporte \u00fanico\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<p class=\"cp-tool__note\">Testado sobre 365 dias de pre\u00e7os de fechamento di\u00e1rios reais de BTC na Binance. O aporte \u00fanico investe o mesmo total no primeiro dia do per\u00edodo. <strong>Isto \u00e9 hist\u00f3rico, n\u00e3o previs\u00e3o.<\/strong> O resultado depende quase inteiramente da janela escolhida \u2014 mude a data inicial e o vencedor muitas vezes muda \u2014 ent\u00e3o trate isto como uma forma de entender a mec\u00e2nica, n\u00e3o como prova de que uma abordagem \u00e9 melhor.<\/p><\/div>\n<h2>O que este teste faz<\/h2>\n<p>Aporte programado (DCA) significa comprar um valor fixo em intervalos fixos, independentemente do pre\u00e7o. A alternativa \u00e9 aplicar tudo de uma vez. Esta ferramenta roda as duas estrat\u00e9gias sobre pre\u00e7os de fechamento di\u00e1rios reais e mostra o que cada uma teria produzido: total investido, valor final, retorno e \u2014 para o plano de DCA \u2014 o pre\u00e7o m\u00e9dio que voc\u00ea teria pago.<\/p>\n<p>O gr\u00e1fico tra\u00e7a o valor das duas carteiras ao longo do per\u00edodo. A linha cheia \u00e9 o aporte programado; a tracejada, o aporte \u00fanico. Ver as duas divergirem ensina mais do que os n\u00fameros finais, porque mostra <em>quando<\/em> cada abordagem esteve \u00e0 frente.<\/p>\n<h2>Como usar<\/h2>\n<ol>\n<li>Escolha um ativo. S\u00f3 listamos aqueles para os quais temos hist\u00f3rico di\u00e1rio de pre\u00e7o genu\u00edno.<\/li>\n<li>Defina o valor que voc\u00ea investiria em cada compra.<\/li>\n<li>Escolha semanal, quinzenal ou mensal.<\/li>\n<li>Encurte o per\u00edodo para testar outra janela.<\/li>\n<\/ol>\n<p>O aporte \u00fanico sempre investe o mesmo total que o plano de DCA investiria, aplicado no primeiro dia da janela, para que a compara\u00e7\u00e3o seja equivalente.<\/p>\n<h2>A ressalva mais importante<\/h2>\n<p><strong>Isto \u00e9 hist\u00f3ria, n\u00e3o previs\u00e3o.<\/strong> O resultado depende esmagadoramente da janela escolhida. Em um mercado que subiu de forma constante, o aporte \u00fanico vence quase sempre, porque ficou exposto mais cedo. Em um mercado que caiu e depois se recuperou, o programado vence, porque as compras posteriores sa\u00edram mais baratas. Desloque a data inicial em algumas semanas e o vencedor muda com frequ\u00eancia. Quem diz que um backtest prova a superioridade de uma abordagem est\u00e1 te mostrando uma janela escolhida.<\/p>\n<p>O que o aporte programado oferece de verdade n\u00e3o \u00e9 retorno maior, mas um pior cen\u00e1rio menor e uma decis\u00e3o que voc\u00ea consegue repetir sem precisar acertar o momento. Isso \u00e9 um benef\u00edcio comportamental e, para muita gente, \u00e9 o mais valioso \u2014 mas \u00e9 uma afirma\u00e7\u00e3o diferente de \u00abrende mais\u00bb.<\/p>\n<h2>O que n\u00e3o \u00e9 modelado<\/h2>\n<p>Taxas de negocia\u00e7\u00e3o, spreads, tributos na aliena\u00e7\u00e3o e o fato de que um plano real costuma ser interrompido. Os pre\u00e7os s\u00e3o fechamentos di\u00e1rios da Binance, ent\u00e3o o timing intradi\u00e1rio \u00e9 ignorado. Nossa <a href=\"\/methodology\/\">metodologia<\/a> cobre o fluxo de dados. Nada aqui \u00e9 recomenda\u00e7\u00e3o.<\/p>\n<h3>Perguntas frequentes<\/h3>\n<p><strong>Por que s\u00f3 consigo escolher alguns ativos?<\/strong> Porque s\u00f3 temos s\u00e9rie di\u00e1ria real para esses. N\u00e3o vamos simular hist\u00f3rico de pre\u00e7o para preencher uma lista suspensa.<\/p>\n<p><strong>At\u00e9 quando volta no tempo?<\/strong> At\u00e9 cerca de um ano de fechamentos di\u00e1rios, que \u00e9 o que mantemos em cache.<\/p>\n<p><strong>Um resultado positivo significa que isso vai funcionar?<\/strong> N\u00e3o. Veja a ressalva acima \u2014 significa que funcionou naquela janela.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Teste o aporte programado (DCA) contra um aporte \u00fanico sobre pre\u00e7os de fechamento di\u00e1rios reais, e veja as duas curvas de carteira lado a lado.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":271,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-336","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/coinpric.com\/pt-br\/wp-json\/wp\/v2\/pages\/336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coinpric.com\/pt-br\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/coinpric.com\/pt-br\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/coinpric.com\/pt-br\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/coinpric.com\/pt-br\/wp-json\/wp\/v2\/comments?post=336"}],"version-history":[{"count":0,"href":"https:\/\/coinpric.com\/pt-br\/wp-json\/wp\/v2\/pages\/336\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/coinpric.com\/pt-br\/wp-json\/wp\/v2\/pages\/271"}],"wp:attachment":[{"href":"https:\/\/coinpric.com\/pt-br\/wp-json\/wp\/v2\/media?parent=336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}