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Fixed Income Comparator

Compare CDB, LCI/LCA and Treasury bonds after income tax.

Informational content. This tool does not replace advice from a qualified professional. Use the results as a reference only.

How to use

  1. Enter the amount you plan to invest and the investment period in months.
  2. Set the CDI rate and the percentage each product pays — CDB as a % of CDI, LCI/LCA the same, and Treasury bonds at a fixed or inflation-linked rate.
  3. Compare the net returns side by side: the tool applies the regressive income tax table to CDB and Treasury, and shows LCI/LCA tax-free, so you see which product actually pays more.

About this tool

CDB, LCI/LCA and Treasury bonds all quote returns differently — some as a percentage of CDI, others as fixed rates — and the tax treatment varies. This tool normalises them into a single comparison after income tax so you can see which one actually puts more money in your pocket.

Income tax on CDB and Treasury follows the regressive table (22.5% up to 180 days, down to 15% after 720 days). LCI and LCA are exempt for individuals. The tool applies the correct rate for the term you enter.

The comparison assumes you hold to maturity. Early redemption, credit risk and the daily liquidity of each product are factors the tool does not model — weigh those separately before investing.

The formula

Net yield = Gross yield × (1 − IR%), where IR depends on holding period: 22.5% (≤ 180 d), 20% (181–360), 17.5% (361–720), 15% (> 720). LCI/LCA are IR-exempt.

Frequently asked questions

Does my data leave my browser?

No. Everything runs locally in JavaScript on your device — nothing is transmitted or stored.

Is this financial advice?

No. This is an educational tool for estimates only. Real financial decisions depend on fees, taxes and personal circumstances — consult a qualified professional.

Which official tables does the tool use?

The tool uses the latest publicly available rates and tables. You can verify the values against the official sources linked on the page.

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