Compare net returns across Brazilian fixed income instruments: Tesouro Selic, Tesouro IPCA+, CDB (% of CDI), and tax-exempt LCI/LCA, calculating progressive income tax and equivalent yields.
Determines progressive IR bracket (22.5% down to 15%).
100% tax-exempt for individual investors.
\text{CDB Líquido} = \text{Ganho} \times (1 - \text{IR}); \qquad \text{LCI Equivalente} = \text{Taxa CDB} \times (1 - \text{IR})Taxable fixed income assets follow progressive withholding rates: <= 180 days (22.5%), <= 360 days (20%), <= 720 days (17.5%), > 720 days (15%). LCI and LCA bonds are completely exempt from federal income tax for individual taxpayers.
Pre-calculated benchmark tables across different budgets, terms, and rate models.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
Comprehensive Brazilian CLT employment termination breakdown: statutory notice pay, proportional 13th salary, accrued vacation + 1/3, and 40% or 20% FGTS severance penalties.
Calculate Brazil CLT net take-home salary with 2026 progressive INSS brackets, IRRF with automatic simplified discount comparison (R$ 564.80), dependents, and transit voucher.
Simulate net Brazil CLT vacation pay: statutory days with constitutional 1/3 bonus, abono pecuniário (selling 10 days tax-free), optional 13th salary advance, and tax withholdings.