Compare investments

BRL

Amount to invest
How long (months)
Starting on
Country
Currency

%

CDI (% Effective per year)

Offers

Institution
Name
Pays
Index
Rate bands
Up to

%

Rate
Up to

%

Rate
Above the threshold
The same words mean two different things, and the difference can be large. Check which one your offer uses.
Tax
Minimum
Locked for (days)
Institution
Name
Pays
Index
Rate bands
Up to

%

Rate
Tax
Minimum
Locked for (days)
Best net return
BRL  3,058.27
Banco A — CDB escalonado
More than putting it all in one offer
BRL  90.25
Comes out on 10/2027
Outside the deposit guarantee
BRL  0.00
FGC: BRL 250,000

Suggested split

Name Invested Share Net return Net rate a year
Banco B — CDB 105% BRL 15,000.00 60.0% BRL 1,779.43 11.86%
Banco A — CDB escalonado BRL 10,000.00 40.0% BRL 1,369.09 13.69%

  • Banco B — CDB 105%

    Invested
    BRL 15,000.00
    Share
    60.0%
    Net return
    BRL 1,779.43
    Net rate a year
    11.86%

  • Banco A — CDB escalonado

    Invested
    BRL 10,000.00
    Share
    40.0%
    Net return
    BRL 1,369.09
    Net rate a year
    13.69%

What each offer returns

Name Gross return Withholding tax Net return Net rate a year
Banco A — CDB escalonado3,707.00 648.73 3,058.27 12.23%
Banco B — CDB 105%3,594.81 629.09 2,965.72 11.86%

  • Banco A — CDB escalonado

    Gross return
    3,707.00
    Withholding tax
    648.73
    Net return
    3,058.27
    Net rate a year
    12.23%

  • Banco B — CDB 105%

    Gross return
    3,594.81
    Withholding tax
    629.09
    Net return
    2,965.72
    Net rate a year
    11.86%

How the money grows

Banco A — CDB escalonado
After tax Before tax
0 1 k 2 k 3 k 4 k 10/2601/2704/2707/2710/27

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Money put against a debt earns the debt's rate, free of tax — interest not paid is not income. So the comparison is the debt's total cost against the best offer's return after tax.

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Estimate. This comparison ranks the offers you entered by their projected return after tax. It is not investment advice, not a recommendation and not an offer of any product. Projected returns do not guarantee future returns. Read the full legal notice.