$100k in Savings: 2025 Returns Worth It?
With R$100k in savings earning 0.5% monthly, see if it's still worth it in 2025. Compare returns with CDBs, Treasury Direct & better alternatives.
Savings accounts remain the most popular investment among Brazilians, but are R$100,000 invested in 2025 still worth it? With changes in the Selic rate and new calculation rules, it’s essential to understand actual returns before deciding where to put your money.
Currently, those with R$100,000 in savings can expect returns that vary according to the basic interest rate. Let’s analyze current numbers and compare them with other alternatives available in the market.
Savings account returns in 2025
Current savings rate
Savings profitability in 2025 follows rules established since 2012. When Selic is above 8.5% per year, savings earn 0.5% per month + Reference Rate (TR).
With current Selic around 10.75% per year, savings are yielding approximately 0.5% per month. TR has remained close to zero, contributing little to total returns.
How returns are calculated
Savings calculations work by monthly anniversary. This means returns are only credited 30 days after deposit.
- Deposits until the 29th: anniversary on the same day next month
- Deposits on the 30th or 31st: anniversary on the 1st of next month
- No proportional returns: withdrawing before anniversary = zero returns
Example: R$100,000 deposited on January 15th will earn on February 15th. Withdrawing on the 14th means losing the entire month’s returns.
Simulation: 100 thousand in savings
Expected monthly returns
With R$100,000 applied in savings, considering 0.5% monthly returns:
| Amount Applied | Monthly Return | Net Return |
|---|---|---|
| R$100,000 | R$500 | R$500 (IR exempt) |
Gross and net values are equal because savings are exempt from Income Tax for individuals.
Annual projection
Using compound interest, the projection for 12 months is:
- Initial amount: R$100,000
- Monthly rate: 0.5%
- Final value in 12 months: R$106,168
- Total return: R$6,168
- Annual profitability: 6.17%
To calculate different scenarios and timeframes, use our savings calculator and simulate your investment.
Comparison with other investments
CDBs (Bank Deposit Certificates)
Bank Deposit Certificates offer superior profitability:
- CDB 100% CDI: approximately 10.2% per year
- CDB 110% CDI: approximately 11.2% per year
- Taxation: Regressive IR (22.5% to 15%)
- FGC protection: up to R$250,000 per CPF per institution
Example: R$100,000 in CDB 100% CDI for 1 year = R$108,100 (net after IR)
Treasury Direct
Treasury options also outperform savings:
| Security | Estimated Profitability | IR on Gains |
|---|---|---|
| Treasury Selic | 10.75% per year | 22.5% to 15% |
| Treasury Prefixed | 11% to 12% per year | 22.5% to 15% |
| Treasury IPCA+ | IPCA + 5.5% to 6% | 22.5% to 15% |
DI Funds
DI funds track the basic interest rate:
- Profitability: 85% to 95% of CDI
- Management fee: 0.3% to 2% per year
- Liquidity: D+1 for redemption
- IR: regressive according to term
Advantages and disadvantages
Savings liquidity
Liquidity advantages:
- Immediate withdrawal without principal loss
- No grace period or minimum term
- Available 24/7 at ATMs
Disadvantage:
- Total loss of returns if withdrawing before monthly anniversary
FGC protection
Savings have full FGC protection up to R$250,000 per CPF per financial institution. For higher amounts, diversifying among different banks is recommended.
Important: Those with R$100,000 are fully protected by FGC, even in case of bank failure.
Zero taxation
Income Tax exemption is one of savings’ main advantages. Other investments have IR that can reach 22.5% in the short term.
More profitable alternatives
For those seeking superior profitability to the 6.17% annual savings rate:
Low risk:
- CDBs from large banks (100% to 110% CDI)
- Treasury Selic (tracks basic rate)
- LCI/LCA (IR exempt but less liquid)
Moderate risk:
- Fixed income DI funds
- CDBs from mid-tier banks (up to 130% CDI)
- Incentivized debentures (IR exempt)
Recommended strategy:
- Keep part in savings for emergencies (3 to 6 months expenses)
- Diversify the rest in more profitable investments
- Consider timeframe: long-term investments have lower taxation
Savings still have their place as emergency reserves, but to grow money, other options offer 60% to 80% superior profitability.
Frequently Asked Questions
How much do 100 thousand reais earn in savings per month in 2025?
With the current rate of 0.5% per month, R$100,000 in savings earns R$500 per month. This is net value, as savings are exempt from Income Tax for individuals.
Are savings still worth it in 2025?
Savings are worth it for emergency reserves due to immediate liquidity and IR exemption. For medium and long-term investments, CDBs and Treasury Direct offer 60% to 80% superior profitability.
How to correctly calculate savings returns?
Savings returns are calculated by monthly anniversary. Use the formula: Amount × (1 + 0.005)^number_of_months. For precise calculations, use our savings calculator.
What’s the difference between savings and CDBs?
Savings earn 0.5% per month (IR exempt), while CDBs can earn 100% to 130% of CDI (10% to 13% per year), but have regressive IR. CDBs are more profitable for terms above 2 years.
Can I lose money in savings?
There’s no risk of losing principal value in savings. The only “risk” is losing purchasing power if inflation exceeds the 6.17% annual savings profitability.
How many years does it take to double 100 thousand in savings?
With 6.17% annual returns, it would take approximately 11.5 years to double R$100,000 in savings. In investments with 10% per year, doubling would come in about 7 years.
Is there a limit to invest in savings?
There’s no maximum limit to invest in savings. However, FGC protection is limited to R$250,000 per CPF per bank. Above that, diversifying among different institutions is recommended.