Calculadora de CDB / Renda Fixa Online Grátis
Certificate of Deposit maturity value, interest earned and multi-term comparison chart
Sobre Esta Calculadora
A Certificate of Deposit locks your money for a fixed term (typically 3 months to 5 years) at a guaranteed interest rate, making it one of the simplest and safest savings instruments available. Rates are quoted as APY (Annual Percentage Yield), which reflects the effect of compounding.
The compounding frequency matters: a 5% APR compounded daily yields 5.13% APY, while the same 5% compounded annually stays at exactly 5% APY. Banks advertise APY rather than APR because it's the higher number — always compare APY across institutions.
For example: $10,000 in a 12-month CD at 5.25% APY earns $525 at maturity. The same amount in a 5-year CD at 4.80% APY grows to $12,656 — but locks up the money and loses out if rates rise. This calculator's multi-term comparison chart shows exactly that trade-off across all common terms simultaneously.
CD laddering — splitting money across multiple terms (e.g., 1-, 2-, 3-, 4-, and 5-year CDs) — provides both higher average rates than short-term CDs and regular access to maturing funds without early-withdrawal penalties. Use this calculator to model a ladder strategy against a single long-term commitment.
Verifique se deixar o dinheiro rendendo no CDB é rentável ao longo do tempo estipulado.
Dicas
- Compare APY (not APR) across CD terms to find the best return.