Sethian Intelligence
SETHIAN Intelligence
Know your rights in Brazil

As an immigrant in Brazil, you have the same labor and tax rights as Brazilian citizens under the CLT (labor law). These calculators help you understand your paycheck, deductions, benefits, and obligations.

Investment Data

Insira o valor em reais. Formato: R$ 0,00
Insira o valor em reais. Formato: R$ 0,00
years
months

Result — CDB 100% CDI

Share

Total Invested

R$ 21.500,00

Gross Balance

R$ 26.367,04

Income Tax

R$ 851,73

Net Balance

R$ 25.515,31

IR rate applied: 17,50% (term of 720 days). The regressive IR table for investments ranges from 22.5% (up to 180 days) to 15% (over 720 days).

Investment Comparison

Side-by-side comparison of all investment types for the same deposit (R$ 10.000,00 initial + R$ 500,00/month for 24 months).

TypeGross RateGross YieldIRNet YieldFinal BalanceEff. Monthly RateEff. Annual Rate
CDB 100% CDI14.65% p.a.R$ 4.867,04R$ 851,73R$ 4.015,31R$ 25.515,310.7160%8.94%
CDB 110% CDI16.12% p.a.R$ 5.381,52R$ 941,77R$ 4.439,75R$ 25.939,750.7852%9.84%
CDB 120% CDI17.58% p.a.R$ 5.901,00R$ 1.032,68R$ 4.868,32R$ 26.368,320.8541%10.74%
Custom CDB (100% CDI)14.65% p.a.R$ 4.867,04R$ 851,73R$ 4.015,31R$ 25.515,310.7160%8.94%
LCI 93% CDI13.62% p.a.R$ 4.509,91ExemptR$ 4.509,91R$ 26.009,910.7966%9.99%
LCA 93% CDI13.62% p.a.R$ 4.509,91ExemptR$ 4.509,91R$ 26.009,910.7966%9.99%
Tesouro Selic14.79% p.a.R$ 4.915,03R$ 860,13R$ 4.054,90R$ 25.554,900.7225%9.02%
Tesouro IPCA+11.59% p.a.R$ 3.808,77R$ 666,53R$ 3.142,24R$ 24.642,240.5700%7.06%
Tesouro Prefixado14.04% p.a.R$ 4.654,35R$ 814,51R$ 3.839,84R$ 25.339,840.6870%8.56%
Poupança (Savings)8.25% p.a.R$ 2.680,09ExemptR$ 2.680,09R$ 24.180,090.4907%6.05%

Detailed Table - CDB 100% CDI

Complete monthly evolution with gross yield, IR, IOF, and net balance.

MonthDepositTotal InvestedGross YieldGross BalanceIRIOFNet Balance
1R$ 10.000,00R$ 10.000,00R$ 114,58R$ 10.114,58R$ 25,78R$ 0,00R$ 10.088,80
2R$ 500,00R$ 10.500,00R$ 121,62R$ 10.736,20R$ 53,15R$ 0,00R$ 10.683,05
3R$ 500,00R$ 11.000,00R$ 128,74R$ 11.364,94R$ 82,11R$ 0,00R$ 11.282,83
4R$ 500,00R$ 11.500,00R$ 135,95R$ 12.000,89R$ 112,70R$ 0,00R$ 11.888,19
5R$ 500,00R$ 12.000,00R$ 143,23R$ 12.644,12R$ 144,93R$ 0,00R$ 12.499,19
6R$ 500,00R$ 12.500,00R$ 150,60R$ 13.294,72R$ 178,81R$ 0,00R$ 13.115,91
7R$ 500,00R$ 13.000,00R$ 158,06R$ 13.952,78R$ 190,56R$ 0,00R$ 13.762,22
8R$ 500,00R$ 13.500,00R$ 165,60R$ 14.618,38R$ 223,68R$ 0,00R$ 14.394,70
9R$ 500,00R$ 14.000,00R$ 173,23R$ 15.291,61R$ 258,32R$ 0,00R$ 15.033,29
10R$ 500,00R$ 14.500,00R$ 180,94R$ 15.972,55R$ 294,51R$ 0,00R$ 15.678,04
11R$ 500,00R$ 15.000,00R$ 188,74R$ 16.661,29R$ 332,26R$ 0,00R$ 16.329,03
12R$ 500,00R$ 15.500,00R$ 196,63R$ 17.357,92R$ 371,58R$ 0,00R$ 16.986,34
13R$ 500,00R$ 16.000,00R$ 204,62R$ 18.062,54R$ 360,94R$ 0,00R$ 17.701,60
14R$ 500,00R$ 16.500,00R$ 212,69R$ 18.775,23R$ 398,17R$ 0,00R$ 18.377,06
15R$ 500,00R$ 17.000,00R$ 220,85R$ 19.496,08R$ 436,81R$ 0,00R$ 19.059,27
16R$ 500,00R$ 17.500,00R$ 229,11R$ 20.225,19R$ 476,91R$ 0,00R$ 19.748,28
17R$ 500,00R$ 18.000,00R$ 237,47R$ 20.962,66R$ 518,47R$ 0,00R$ 20.444,19
18R$ 500,00R$ 18.500,00R$ 245,92R$ 21.708,58R$ 561,50R$ 0,00R$ 21.147,08
19R$ 500,00R$ 19.000,00R$ 254,47R$ 22.463,05R$ 606,03R$ 0,00R$ 21.857,02
20R$ 500,00R$ 19.500,00R$ 263,11R$ 23.226,16R$ 652,08R$ 0,00R$ 22.574,08
21R$ 500,00R$ 20.000,00R$ 271,85R$ 23.998,01R$ 699,65R$ 0,00R$ 23.298,36
22R$ 500,00R$ 20.500,00R$ 280,70R$ 24.778,71R$ 748,77R$ 0,00R$ 24.029,94
23R$ 500,00R$ 21.000,00R$ 289,64R$ 25.568,35R$ 799,46R$ 0,00R$ 24.768,89
24R$ 500,00R$ 21.500,00R$ 298,69R$ 26.367,04R$ 851,73R$ 0,00R$ 25.515,31

Reference Rates Used

SELIC

14,75% p.a.

CDI

14,65% p.a.

IPCA

4,14% p.a.

TR

0,16% p.m.

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