cdb net yield after tax

CDB net yield after tax: what really remains

With CDBs, looking only at “110% of CDI” is only half the story. The other half usually arrives as term and taxation.

⚠️ Simulation. Actual CDB rates vary by bank and investment amount. Check offers on the aggregator or bank directly.

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cdbYieldCalculator.dayscdbYieldCalculator.daysHint

cdbYieldCalculator.dias

cdbYieldCalculator.cdiPercentCurrent CDI ≈ Selic target − 0.1%. Check Banco Central.

% CDI

cdbYieldCalculator.selicRatecdbYieldCalculator.selicHint

% a.a.

ResultcdbYieldCalculator.irRegressiva

cdbYieldCalculator.netAmount

R$ 11.142,81

cdbYieldCalculator.grossAmountR$ 11.385,22

cdbYieldCalculator.irR$ 242,41

IR rate applied17.5%

Net yieldR$ 1.142,81

cdbYieldCalculator.netAnnualRate13.65% a.a.

CDBR$ 1.142,81

cdbYieldCalculator.poupancaR$ 625,61

Lei 11.033/2004 — regressive IR table for fixed income. CDI: CETIP/B3.

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From gross CDI to net yield

The percentage of CDI drives gross returns, but the regressive income-tax table materially changes the net result depending on the holding period.
That is why a higher-rate CDB over a short horizon does not always beat a slightly lower-rate one held longer.

Interpretation examples

Short term

Input: 90 dias + 100% CDI
Expected output: IR alto corrói parte maior do ganho

Useful for tactical cash scenarios.

Longer term

Input: 730 dias + 100% CDI
Expected output: IR menor melhora o líquido

Helps visualize the benefit of time.

Full tool FAQ

What is CDI and how is it related to Selic?

CDI (Certificado de Depósito Interbancário) is the rate for overnight interbank loans. It tracks the Selic rate closely (typically Selic − 0.1% per year). Most fixed-income investments in Brazil are indexed to CDI.

What does '100% of CDI' mean for a CDB?

How is income tax calculated on CDB?

Is CDB safe?

CDB vs savings account: which is better?

What is a liquid CDB (CDB com liquidez diária)?

Why do smaller banks offer higher CDB rates?

Can I put more than R$250,000 in a single CDB?

Frequently asked questions

Does a 110% CDI CDB always win?

Not always. Term, liquidity and tax bracket can change the net-return ranking.

Is a short term always bad?

No. It can be appropriate for liquidity needs, but it tends to face a higher tax bracket.