Investment Parameters
Estimated CDI at Selic - 0.10%
R$ 11.003,50
Lucro líquido de R$ 1.003,50 no prazo de 12 meses.
Extra earnings over Savings Account
+R$ 386,50
Em relação à Poupança no mesmo período
Final net amount
R$ 11.003,50
Final net amount
R$ 10.981,20
Final net amount
R$ 10.904,00
Final net amount
R$ 10.617,00
CDB vs LCI/LCA Equivalence
To match this tax-free LCI/LCA, a taxable CDB would need to yield no mínimo 112.5% do CDI para compensar o desconto de 20.0% de Imposto de Renda no prazo de 12 meses.
Progressive Capital Gains Tax Table
LCI/LCA are exempt from personal income tax in Brazil. CDB and Treasury bonds face capital gains tax on profits.
Up to 6 months (180 days): 22.5%
6 to 12 months (360 days): 20.0%
12 to 24 months (720 days): 17.5%
Over 24 months: 15.0%
How it works
1
Enter your initial principal and investment horizon in months.
2
Set the benchmark Selic rate and CDI percentage rates for CDB and LCI/LCA.
3
Review the sorted ranking to see which instrument yields the highest net take-home profit.
4
Check the equivalent rate calculator to compare tax-exempt and taxable bond offers.
Frequently asked questions
Is it really free?
Yes. The site is supported by ads, so you never pay or need to create an account.
Why does LCI/LCA often beat a CDB with a higher headline rate?
LCI and LCA notes are exempt from personal capital gains tax in Brazil, whereas CDB bonds are taxed between 15% and 22.5% on profits.
Does it work on mobile?
Yes. The page adapts to your screen and does not require installing any app.