Fixed Income

Time Deposit Calculator (CDB/CD)

Estimate the return on your Brazilian Certificado de Depósito Bancário (CDB) or American Certificate of Deposit (CD). Calculate the future value and interest earned.

Return Factors

  • • Initial Deposit
  • • Annual Interest Rate
  • • Compounding Frequency
  • • Investment Term

See Also

Simulate other investments with the Fixed Income Investment Calculator.

Resultado

Future ValueR$ 16.105,10
Interest EarnedR$ 6.105,10
Initial DepositR$ 10.000,00
Annual Interest Rate10.00%
Term5 years

CDBs and CDs: Security and Profitability in Fixed Income

Certificados de Depósito Bancário (CDBs) in Brazil and Certificates of Deposit (CDs) in the USA are fixed income investments that offer security and predictability. By investing in these securities, you lend money to a financial institution for a specified period, receiving remuneration (interest) in return. They are ideal options for those looking to diversify their portfolio with low risk and known returns, especially compared to the volatility of variable income.

Frequently Asked Questions

Get answers to your questions about time deposits.

What is a CDB (Certificado de Depósito Bancário)?+

CDB is a fixed income security issued by banks to raise funds. By investing in a CDB, you "lend" money to the bank and receive interest in return. It is a popular option for those seeking security and higher returns than savings accounts.

What is the difference between CDB and CD (Certificate of Deposit)?+

CDB is the term used in Brazil, while CD (Certificate of Deposit) is the equivalent in the United States. Both are time deposits that pay interest, but the rules and guarantees may vary between countries.

Is CDB income taxed?+

Yes, CDB income is taxed by Income Tax (IR) according to a regressive table. The longer the money is invested, the lower the IR rate. There is also IOF incidence for redemptions made in less than 30 days.

Does the CDB have FGC guarantee?+

Yes, in Brazil, CDBs are guaranteed by the Credit Guarantee Fund (FGC) for amounts up to R$ 250,000 per CPF/CNPJ per financial institution, with a global limit of R$ 1 million.