Does the strategy beat the reference?
- Input
- Sua taxa vs benchmark de 0,5% a.m.
- Expected output
- Diferença final em saldo acumulado
Useful for moving the scenario beyond intuition.
Carregando ferramenta… / Loading tool…
compound interest vs benchmark
“Good returns” without a reference is marketing. With a benchmark, it becomes analysis.
Useful for moving the scenario beyond intuition.
Great for visualizing cumulative effects.
Yes. The tool compounds the balance month by month and adds the recurring contribution every period, which makes it much more useful for real accumulation planning than a simple lump-sum-only model.
No. It can be any reference rate that makes sense for your comparison.
Not automatically. Benchmark helps interpretation, but risk, liquidity, costs and taxation still matter.
⚠️ Educational simulation with monthly compounding. It does not replace portfolio advice, suitability review or net return calculations with real taxes and fees.
Re-runs the simulation with the same contribution and horizon, changing only the rate, so you can see the gap at the end.
By the end of the horizon, your strategy earns R$178,382.52 (84.4%) more than the benchmark.
Mathematical simulation with monthly compounding and recurring contributions. It does not include income tax, IOF, administration fees, custody fees or slippage.
Portfolio growth
Breakdown
| Year | Invested | Return this year | Balance | Real value |
|---|---|---|---|---|
| 1 | R$22,200.00 | R$2,311.88 | R$24,511.88 | R$23,456.34 |
| 2 | R$29,400.00 | R$3,518.22 | R$35,230.10 | R$32,261.26 |
| 3 | R$36,600.00 | R$4,877.56 | R$47,307.66 | R$41,455.54 |
| 4 | R$43,800.00 | R$6,409.30 | R$60,916.96 | R$51,082.60 |
| 5 | R$51,000.00 | R$8,135.30 | R$76,252.25 | R$61,188.70 |
| 6 | R$58,200.00 | R$10,080.20 | R$93,532.45 | R$71,823.17 |
| 7 | R$65,400.00 | R$12,271.76 | R$113,004.21 | R$83,038.71 |
| 8 | R$72,600.00 | R$14,741.26 | R$134,945.47 | R$94,891.65 |
| 9 | R$79,800.00 | R$17,523.97 | R$159,669.43 | R$107,442.27 |
| 10 | R$87,000.00 | R$20,659.58 | R$187,529.02 | R$120,755.13 |
| 11 | R$94,200.00 | R$24,192.88 | R$218,921.89 | R$134,899.39 |
| 12 | R$101,400.00 | R$28,174.28 | R$254,296.17 | R$149,949.26 |
| 13 | R$108,600.00 | R$32,660.62 | R$294,156.79 | R$165,984.33 |
| 14 | R$115,800.00 | R$37,715.95 | R$339,072.74 | R$183,090.08 |
| 15 | R$123,000.00 | R$43,412.41 | R$389,685.15 | R$201,358.28 |
Return this year = interest generated within that year on the accumulated balance.
Local browser-based simulation. This is not investment advice.