Free online tool
Fixed Income vs Savings Calculator
Compare a fixed-income style return and a savings return with your own rates, term and starting amount.
What this tool does
This calculator compares two simple yield scenarios side by side. It is inspired by the common Brazilian question of CDB versus savings, but the English page uses a broader fixed income versus savings framing.
You enter both annual rates yourself. This keeps the tool useful across countries and avoids pretending that one live rate applies to every user.
How to use it
- Enter the starting amount and the term.
- Fill in the fixed-income annual rate and the savings annual rate.
- Calculate to compare estimated final balances and the difference.
Common uses
- compare fixed income and savings assumptions
- test benchmark-based yield
- see the final difference
- study simple gross scenarios
Note about financial simulations
The output is educational and simplified. It does not replace official product calculations, tax rules, liquidity limits, guarantees or professional financial advice.