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Back to toolInvestment Calculator
Simulate returns with Brazilian CDI, Selic, IPCA, or a fixed rate, including an initial amount and monthly contributions. Charts show growth and composition over the term.
How to use
- Enter the initial amount and, optionally, a monthly contribution.
- Choose the index (CDI, Selic, IPCA, or fixed rate) and the percentage of the index (e.g. 100% or 110% of CDI).
- Set the term and review the projection and charts.
Indexes
| Index | Typical use in the simulation |
|---|---|
| CDI | Products tied to CDI (CDB, DI funds, etc.) |
| Selic | Brazil’s basic interest-rate reference |
| IPCA | Inflation-linked scenarios |
| Fixed rate | An annual percentage you define |
When available, reference rates come from public Central Bank of Brazil (BCB) sources.
Example scenarios
- Simulate 100% of CDI with monthly contributions
- Compare 110% of CDI versus a fixed rate
- Project returns with Selic or IPCA over the same term
Frequently asked questions
Is the result net of Brazilian income tax?
The tool estimates return scenarios; check the IR disclaimer in the UI. It does not replace advice from a professional or the official tax tables.
Can I use this for non-Brazilian investments?
The focus is the Brazilian market (CDI / Selic / IPCA). The English copy states that clearly so it is not mistaken for a generic global equity calculator.
Are the rates guaranteed?
No. These are simulations using reference rates or values you enter. Past or projected returns are not a guarantee of future results.
Privacy
Simulation inputs are processed in the browser; reference rates, when fetched, come from the public BCB API through this site’s backend.