Since 2012, savings use two rules: if Selic > 8.5% p.a. → 0.5%/month + TR; if Selic ≤ 8.5% p.a. → 70% of Selic/month + TR.
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Simulate Brazilian savings account returns with 2025 TR + Selic rules.
Brazilian savings accounts (poupança) earn differently depending on the Selic rate. When Selic is above 8.5% per year, savings earn 0.5% per month plus TR. When Selic is at or below 8.5% per year, savings earn 70% of the Selic rate plus TR. Savings returns are fully tax-exempt for individuals. This makes them competitive for short-term and small-amount reserves, though CDB and Tesouro Direto generally offer better returns.
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<iframe
src="https://jkit.tools/embed/en-US/savings-yield-calculator"
width="100%"
height="600"
style="border:0"
loading="lazy"
title="Brazilian Savings Yield"
></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.
Since 2012, savings use two rules: if Selic > 8.5% p.a. → 0.5%/month + TR; if Selic ≤ 8.5% p.a. → 70% of Selic/month + TR.
⚠️ Simulation uses simplified rules. TR is close to zero in most periods. Actual yield depends on the date your deposits were made.
Lei 8.177/1991 and MP 567/2012 (savings rules). Selic: Banco Central do Brasil.
Balance evolution
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