CDI Investment Calculator

Estimate a Brazilian CDI-linked investment at 100%, 110%, or another CDI percentage with an official Central Bank snapshot, IR, IOF, and transparent assumptions.

How to calculate a 100% CDI return

The calculator applies the daily CDI rate to the entered percentage, such as 100% or 110%, and compounds it by the number of business days.

The term in calendar days defines the estimated IR and IOF brackets; business days define yield compounding.

What 90%, 100%, or 110% of CDI means

An investment at 100% of CDI uses the full CDI rate in the simulation. At 110%, the daily rate used is multiplied by 1.10.

Higher percentages increase the yield estimate, but they are not advice and do not compare risk, liquidity, fees, or contracts.

Current CDI used by the calculator

The default assumption uses an official Central Bank snapshot with observation on 2026-07-02: daily CDI of 0.052531% and annual CDI of 14.15%.

The tool does not fetch live data in the browser. Use manual CDI mode if you want to test your own annual assumption.

IR and IOF on CDI-linked investments

The estimate applies regressive IOF for redemptions up to 30 calendar days, based on the annex to Decree 6.306/2007.

IR uses the regressive brackets from Law 11.033/2004: 22.5%, 20%, 17.5%, or 15%, depending on calendar-day term.

Official sources accessed

Sources accessed on 2026-07-06 America/Sao_Paulo for the current calculation version.

BCB SGS series 12BCB SGS series 4389Central Bank - SGSLaw 11.033/2004 - IRDecree 6.306/2007 - IOF

Related calculators

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CDB calculatorFixed-income comparatorGeneric investmentCompound interestFixed-income guide

Important notice

This tool is an educational estimate based on a dated official CDI rate or a rate entered by you. It does not recommend products, issuers, brokers, or investment decisions.

Check the contract, taxation, liquidity, guarantees, fees, and official sources before investing.

FAQ

Does the calculator use the current CDI?
It uses a dated official Central Bank snapshot, with source sv=2026-07-06 and BCB observation of 2026-07-02. There is no live browser fetch.
How do I calculate 100% of CDI?
Enter 100 in the % of CDI field. The calculator applies the daily CDI rate, compounds by business days, and estimates IR and IOF by calendar term.
What changes at 110% of CDI?
The investment daily rate is 10% higher than the CDI rate used in the simulation. Taxes still follow the calendar-day term.
Does the result already deduct IR and IOF?
Yes. The tool estimates IOF first when applicable, then IR on the remaining positive yield.
Can I use it for LCI, LCA, funds, or Tesouro Selic?
Not as a final rule. Each product can have its own taxes, fees, liquidity, and rules; the calculator models a generic taxable CDI-linked application.
Why can business days differ from calendar term?
CDI compounds on business days, while IR and IOF use calendar days. The estimate uses 252 business days per year and does not include a holiday calendar.
Is the result investment advice?
No. The result is educational and does not evaluate products, issuers, liquidity, risk, guarantees, fees, or suitability.