When to use? Use to compare two equivalent alternatives: pay now with a discount or
keep your money invested in CDI and pay the installments over time.
Upfront Discount
R$ 0,00
Net CDI Income
R$ 0,00
Difference in Gain
R$ 0,00
Final CDI Balance
R$ 0,00
Month
Initial
Net Income
Installment
Final
How does the calculation work?
The tool discovers which option leaves more money in your pocket
at the end of the period. The calculation takes into account 3 factors:
Monthly Installment Amount: Calculated automatically
by dividing the total amount by the number of installments.
Real CDI Return: The money kept in the account earns
interest month by month based on the annual rate.
Income Tax Discount: The system automatically applies
the official income tax rate for fixed income (from 22.5% to 15%) on profits.