Savings Account Calculator 2025: How Much Does It Yield?
Calculate how much your money yields in Brazilian savings accounts in 2025. Complete simulator with current rates, comparison with CDB and Treasury.
Savings accounts continue to be the most popular investment among Brazilians, despite changes in yield rules in recent years. In 2025, understanding how savings account calculations work is essential for making smarter financial decisions.
With the savings calculator, you can simulate exactly how much your funds will yield over time. Let’s simplify the calculations and show whether savings accounts are still worth it.
How savings accounts work in 2025
New yield rule
Since 2012, savings accounts follow the new rule for all deposits. The yield is no longer fixed at 0.5% per month as before.
Current profitability depends directly on the Selic rate:
- Selic above 8.5% per year: savings yield 0.5% per month + TR (reference rate)
- Selic equal to or below 8.5% per year: savings yield 70% of Selic + TR
Selic rate and TR
The Selic rate is set by Copom (Monetary Policy Committee) every 45 days. In January 2025, Selic is at 12.25% per year.
The TR (Taxa Referencial - Reference Rate) has been at zero since September 2017. This means savings account yields depend exclusively on the Selic rule.
Current example: With Selic at 12.25% per year, savings accounts yield 0.5% per month + TR (0%) = 0.5% per month
Yield calculation
Calculation formula
Savings account calculation follows a simple formula for those who deposit on the anniversary date:
Final Value = Initial Value × (1 + monthly rate)^number of months
For 2025, with current Selic:
- Monthly rate: 0.5% (0.005 in decimal)
- Annual rate: approximately 6.17%
Savings anniversary
Savings accounts only yield on the anniversary date of the deposit. If you withdraw before, you lose all profitability for the month.
Important rules:
- Deposit on the 15th: yields every 15th of each month
- Deposit on the 31st: yields on the last day of each month
- Withdrawal on the 14th (anniversary on 15th): loses the yield
Example: R$ 10,000 deposited on 01/10 → next yield only on 02/10
Practical simulation
Different amounts
Let’s calculate the yield of different amounts for 12 months, considering the current rate of 0.5% per month:
| Initial Amount | Monthly Yield | Value after 12 months |
|---|---|---|
| R$ 1,000 | R$ 5.00 | R$ 1,061.68 |
| R$ 5,000 | R$ 25.00 | R$ 5,308.39 |
| R$ 10,000 | R$ 50.00 | R$ 10,616.78 |
| R$ 50,000 | R$ 250.00 | R$ 53,083.90 |
Different periods
Time is fundamental for your money’s growth in savings accounts:
R$ 10,000 invested:
- 6 months: R$ 10,303.78 (gain of R$ 303.78)
- 12 months: R$ 10,616.78 (gain of R$ 616.78)
- 24 months: R$ 11,271.90 (gain of R$ 1,271.90)
- 60 months: R$ 13,468.24 (gain of R$ 3,468.24)
Use the savings calculator to simulate your specific amounts and different time scenarios.
Savings vs other investments
CDB
Bank Deposit Certificates (CDB) generally offer higher profitability than savings accounts:
| Investment | Annual yield | Income tax on gains | Final value (R$ 10,000/12 months) |
|---|---|---|---|
| Savings | ~6.17% | Exempt | R$ 10,617 |
| CDB 100% CDI | ~12.25% | 15% to 22.5% | R$ 10,956 to R$ 11,225 |
| CDB 110% CDI | ~13.48% | 15% to 22.5% | R$ 11,052 to R$ 11,348 |
Treasury Direct
Treasury Direct also outperforms savings accounts in most cases:
Treasury Selic 2029:
- Profitability: follows 100% of Selic
- Income Tax: 15% to 22.5% on gains
- Liquidity: daily (can withdraw anytime)
Advantage: higher profitability than savings accounts, even with income tax.
Advantages and disadvantages
Savings account advantages
- Income tax exemption on yields
- Daily liquidity (can withdraw whenever you want)
- FGC guarantee up to R$ 250,000 per CPF per institution
- Total simplicity - no need to declare on income tax
Savings account disadvantages
- Low profitability compared to other investments
- Anniversary rule - lose yield if you withdraw early
- Low real yield - may not beat inflation
- Lost opportunity to earn more with CDB, Treasury, etc.
When it’s worth it
Savings accounts can make sense for:
- Emergency fund (due to easy access)
- Small amounts (up to R$ 5,000)
- Very conservative investors who prioritize absolute security
- Those who don’t want to worry about income tax
Frequently Asked Questions
How much does R$ 100,000 yield in savings per month in 2025?
With the current rate of 0.5% per month, R$ 100,000 yields R$ 500.00 monthly in savings accounts. In 12 months, the total value would be approximately R$ 106,168.
Do savings accounts yield daily or only on the anniversary?
Savings accounts yield only on the anniversary date of the deposit. If you deposit on the 10th, you’ll only get yields every 10th of each month. Withdrawing before the anniversary date means losing all yield for the period.
What’s the difference between old and new savings accounts?
Old savings accounts (deposits until May 2012) always yield 0.5% per month + TR. New savings accounts (deposits after May 2012) follow the current rule: 0.5% + TR when Selic > 8.5%, or 70% of Selic + TR when Selic ≤ 8.5%.
Is savings or CDB better in 2025?
For most cases, CDB outperforms savings accounts even with Income Tax. A 100% CDI CDB yields about 12.25% per year, while savings accounts yield approximately 6.17% per year. Even discounting 15% income tax, CDB is still superior.
How to calculate savings account yield correctly?
Use the formula: Final Value = Initial Value × (1.005)^months. For quick and precise calculations, use the savings calculator which already considers the current rate and deposit anniversaries.
Do savings accounts lose to inflation?
It depends on the period’s inflation. If annual inflation exceeds the ~6.17% that savings accounts currently yield, you’ll have purchasing power loss. It’s important to always compare real yield (discounting inflation).
Can I deposit in savings accounts anytime?
Yes, you can deposit in savings accounts whenever you want. However, each deposit will have its own anniversary date. To optimize yields, many investors concentrate deposits on a single date each month.