Simulate savings account yield using the Selic rule.
Brazilian savings accounts (poupança) yield 70% of the Selic rate when Selic is above 8.5%, or 0.5% per month plus TR when Selic is at or below 8.5%. This tool applies the correct rule for the Selic rate you enter.
The simulation compounds monthly and adds your contribution at the start of each month. It shows both the gross return and the effective annual yield so you can compare with other investments.
Savings accounts are exempt from income tax for individuals, which makes the comparison with CDB or funds less obvious than the raw rate suggests. The tool does not model TR, which is usually close to zero.
Selic > 8.5%: yield = 0.5% per month + TR. Selic ≤ 8.5%: yield = 70% of Selic per year + TR. A = P × (1 + r)^n with monthly contributions.
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No. This is an educational tool for estimates only. Real financial decisions depend on fees, taxes and personal circumstances — consult a qualified professional.
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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