Free online tool
LCI vs CDB Calculator
Compare a tax-exempt LCI with a taxed CDB using rates and term entered by you.
What this tool does
The LCI vs CDB calculator compares two Brazilian fixed-income products with different tax treatment. It estimates CDB with a simplified regressive tax and LCI as tax-exempt return, using the rates entered by the user.
The goal is to understand when a tax-exempt rate can compete with a taxed rate. The calculation does not replace product documents, liquidity rules, guarantees, institutional fees or professional advice.
How to use
- Enter amount and term.
- Type annual LCI and CDB rates.
- Compare estimated net result and difference.
Common uses
- compare LCI and CDB
- estimate equivalent rate
- evaluate tax impact
- simulate fixed income
Privacy and local processing
Values stay in the browser. The tool is educational and uses simplified tax logic.