Simulate CDB returns net of income tax with the CDI-based regressive tax table.
CDB (Certificado de Depósito Bancário) is a fixed-income investment issued by banks. Returns are indexed to a percentage of the CDI rate. Income tax applies using a regressive table: 22.5% for up to 6 months, 20% for 6–12 months, 17.5% for 12–24 months, and 15% for over 24 months. Tax is withheld at redemption. CDBs are FGC-guaranteed up to R$250,000 per institution.
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<iframe
src="https://jkit.tools/embed/en-US/cdb-yield-calculator"
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height="600"
style="border:0"
loading="lazy"
title="CDB Yield Calculator (Brazil)"
></iframe>These references help contextualize formulas, standards, APIs and limitations used on this page. They do not replace professional validation when a result has legal, financial, medical or operational impact.
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.
⚠️ Simulation. Actual CDB rates vary by bank and investment amount. Check offers on the aggregator or bank directly.
Lei 11.033/2004, regressive IR table for fixed income. CDI: CETIP/B3.
Balance evolution
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