Savings Account Yield Calculator & Comparison 2025
Learn how to calculate savings account returns in Brazil. Formulas, simulations, and comparisons with CDB and Tesouro Direto investments.
The savings account continues to be one of the most well-known financial investments among Brazilians in 2025. Despite low returns, its practicality and security attract millions of investors.
Understanding how to calculate savings account yields is essential for making more informed financial decisions. In this article, you’ll learn the calculation formula, practical simulations, and comparisons with other investment options.
How savings accounts work
Yield rules
Savings accounts have specific rules that determine how much your money will earn monthly.
The savings account yield depends directly on the current Selic rate:
- Selic above 8.5% per year: yield of 0.5% per month + TR (Reference Rate)
- Selic equal to or below 8.5% per year: yield of 70% of Selic + TR
New savings account rule
Since May 2012, the new savings account rule established two distinct profitability scenarios.
With the Selic at 10.75% per year in 2025, savings accounts yield 0.5% per month plus TR (which has been zero since 2017).
Example: R$ 1,000 in savings yields R$ 5.00 per month (0.5%)
Yield calculation
Calculation formula
The savings formula is relatively simple for monthly applications:
Yield = Applied amount × 0.005 (0.5%)
For annual calculations with compound interest: Amount = Principal × (1.005)^n
Where “n” is the number of months.
Savings account anniversary
The savings account anniversary is crucial for yields. Money only earns if it stays invested for at least 30 days.
Important rules:
- Deposit on the 15th: earns on the 15th of the following month
- Withdrawal before anniversary: loses all earnings for the month
- Each deposit has its own anniversary date
Use our savings calculator to simulate different scenarios and application dates.
Investment simulation
Example with R$ 1,000
Let’s simulate a R$ 1,000 investment in savings for 12 months:
| Month | Initial Balance | Yield | Final Balance |
|---|---|---|---|
| 1 | R$ 1,000.00 | R$ 5.00 | R$ 1,005.00 |
| 6 | R$ 1,025.31 | R$ 5.13 | R$ 1,030.44 |
| 12 | R$ 1,056.40 | R$ 5.28 | R$ 1,061.68 |
Result: after 1 year, you would have R$ 1,061.68, a gain of R$ 61.68.
Example with R$ 10,000
For a larger application of R$ 10,000:
| Period | Applied Amount | Total Yield | Final Amount |
|---|---|---|---|
| 6 months | R$ 10,000.00 | R$ 304.40 | R$ 10,304.40 |
| 1 year | R$ 10,000.00 | R$ 616.78 | R$ 10,616.78 |
| 2 years | R$ 10,000.00 | R$ 1,271.59 | R$ 11,271.59 |
Comparison with other investments
CDB
Bank Deposit Certificates generally offer higher profitability than savings:
- 100% CDI CDB: approximately 10.30% per year (2025)
- 110% CDI CDB: approximately 11.33% per year
- Liquidity: can be daily or fixed-term
- Taxation: regressive income tax (22.5% to 15%)
Tesouro Direto
Tesouro Direto (government bonds) offers different options:
- Tesouro Selic: follows the basic rate (10.75% in 2025)
- Tesouro Prefixado: fixed rates between 11% and 12% per year
- Tesouro IPCA+: inflation protection
- Taxation: regressive income tax same as CDB
Comparison of R$ 10,000 in 1 year:
| Investment | Gross Yield | Income Tax | Net Yield |
|---|---|---|---|
| Savings | R$ 616.78 | R$ 0 | R$ 616.78 |
| 100% CDI CDB | R$ 1,030.00 | R$ 231.75 | R$ 798.25 |
| Tesouro Selic | R$ 1,075.00 | R$ 241.88 | R$ 833.12 |
Advantages and disadvantages
Savings advantages
- Income tax exemption: no income tax deduction
- Immediate liquidity: can withdraw anytime
- FGC guarantee: protection up to R$ 250,000 per taxpayer ID
- Ease: simple opening at any bank
Savings disadvantages
- Low profitability: only 0.5% per month in 2025
- Inflation loss: may yield less than inflation
- Anniversary rule: early withdrawal loses yield
- Lost opportunity: other investments yield more
Is it worth investing in 2025?
Savings in 2025 continues to be a conservative option, but not the most profitable.
Who savings makes sense for:
- Investment beginners
- Emergency fund (up to 6 months of expenses)
- Small amounts (below R$ 1,000)
- Ultra-conservative profile
More profitable alternatives:
- Daily liquidity CDB from digital banks
- DI funds for larger amounts
- Tesouro Selic for medium-term
- LCI/LCA for income tax exemption
Tip: Use savings only for emergencies. For medium and long-term goals, consider investments with better profitability.
Frequently Asked Questions
How much does R$ 1,000 yield in savings per month?
With current rules, R$ 1,000 yields R$ 5.00 per month in savings (0.5% per month). In one year, the total amount would be approximately R$ 1,061.68.
Do savings yield daily or only on the anniversary?
Savings yield only on the anniversary, which occurs monthly on the deposit date. If you withdraw before completing 30 days, you lose all earnings for the period.
What’s the difference between old and new savings?
Old savings (deposits until May 2012) always yield 0.5% per month + TR. New savings yield 0.5% + TR when Selic is above 8.5% per year, or 70% of Selic + TR when equal to or below.
Are savings exempt from income tax?
Yes, savings are completely exempt from income tax, IOF, and other fees. This is one of the few benefits that keeps them competitive for small amounts.
How much does R$ 100,000 yield in savings per year?
R$ 100,000 in savings would yield approximately R$ 6,167.80 in one year. However, investments like CDB or Tesouro Direto would offer superior net yields even with income tax deduction.
Can I lose money in savings?
It’s not possible to lose the principal amount in savings, as they have FGC guarantee up to R$ 250,000. However, you may “lose purchasing power” if the yield falls below inflation.
How to calculate savings yield accurately?
Use our savings calculator to simulate different amounts, terms, and scenarios. The tool considers anniversary rules and automatically calculates monthly compound interest.