About this tool
Which pays more over your period: a CDB at 100% of the CDI, an LCI at 90%, Tesouro Selic or the savings account? This calculator answers with the net amount of each one after income tax. It uses the regressive table for every contribution (22.5% up to 180 days down to 15% after two years), keeps LCI, LCA and savings tax-free, applies the savings rule (0.5% a month plus TR while the Selic is above 8.5%) and the B3 custody fee on Tesouro Selic. The CDI, Selic, IPCA and TR come from the Banco Central and every rate can be changed, so you can check the offer your bank is making. Results are ranked, with the gain above inflation, a detailed table and CSV. Everything is calculated in your browser.
How to use it
- 1 Enter how much you will invest now, any monthly contribution and the period in months (or pick 6 months to 5 years).
- 2 Check the reference rates: CDI, Selic, IPCA and TR are filled in from the Banco Central and can be edited.
- 3 Set what each product pays: the CDB and LCI/LCA as a percentage of the CDI, the fixed rate a year and the real rate of IPCA+.
- 4 Compare the ranking: the net amount of each investment, split into what you invested and what you earned after tax.
- 5 Open the table for gross amount, income tax, fees and net return, or download it as CSV.
Frequently asked questions
How is the income tax on CDB and Tesouro calculated?
It is charged only on the earnings, when you redeem, by how long the money stayed invested: 22.5% up to 180 days, 20% up to 360 days, 17.5% up to 720 days and 15% after that. With monthly contributions, each one has its own period, and the calculator taxes each separately.
Is an LCI at 90% of the CDI better than a CDB at 100%?
Often, because LCI and LCA are tax-free for individuals. The gross rate of the CDB is higher, but after 15% to 22.5% of tax on the earnings the LCI can end up ahead. The ranking shows which one wins for your amount and period.
How much does the savings account pay?
While the Selic is above 8.5% a year, savings pay 0.5% a month plus the TR; when the Selic is 8.5% or less, they pay 70% of the Selic plus the TR. Savings are tax-free.
Where do the rates come from?
The CDI, Selic, IPCA over 12 months and TR come from the Banco Central's public time series, updated whenever the site is published, and the date is shown. You can type any other rate, for example the one your bank offers.
Is my data sent anywhere?
No. The calculation runs in your browser and nothing you type is sent or stored.
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