Converters & indicators

CDI-Based Return Calculator

CDI is the main reference interest rate for Brazilian fixed-income investments.

How we calculate

Multiplies the reference CDI rate by the informed percentage to get the effective annual rate, then projects growth over time.

Effective annual rate = reference CDI × contracted percentage, divided by 100.

Taxa efetiva anual = CDI de referência × percentual contratado

If the reference CDI is 10.65% per year, a product yielding '100% of CDI' also yields about 10.65% per year.

This result is gross — it does not deduct taxes, which vary by product.

The CDI rate used is a reference value that may be outdated.

Are CDI and Selic the same thing?

No, but they are very close. Selic is Brazil's base interest rate; CDI is the overnight interbank rate.

Investments

Simulate the net return of a CDB indexed to a percentage of the CDI, after tax.

Converters & indicators

Convert interest rates between monthly and annual using compound equivalence.

Investments

Compare the net return of CDB, LCI/LCA and savings for the same amount and term.

Methodology last reviewed: July 15, 2026

This result is an estimate and may not reflect every particularity of your situation.