Ferrum Nexus — Engineering, Investment, Economics and Technology
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ToolsInvestment simulator

Compound interest and investment calculator

Project your results, compare investments and assess contributions, maturities, taxes and inflation.

PLANNING • WEALTH • PURCHASING POWER

Compare returns, taxes and what your money could buy.

Prepare your scenario

Waiting for official references. If unavailable, select a custom rate or review the fields.

Sign up to access your historySave, restore and compare simulations.

Sources, assumptions & methodology

Deterministic projection with constant rates and compound interest on an actual/365 basis. Daily CDI is annualised over 252 business days and participation applied to the interest factor. Selic is a policy-rate reference, not a bond offer. IPCA compounds the latest 12 monthly readings. Ibovespa is a historical return, not a guaranteed yield.

¹ Contributions plus actual gross earnings; the without-tax/fee series excludes the drag of deductions. ² Real gain discounts each contribution to the start date too. ³ Internal rate of return of contributions and net redemption, rather than gain divided by contributions.

Maturity is measured for each deposit. LCI/LCA without price indexation require six months; deposits and reinvestments with less time remaining stay in non-interest-bearing cash. No mark-to-market prices, contractual lock-up validation, brokerage or Treasury-specific fees are included. Stock, REIT, fund and pension tax rules are not applied to ETFs. Uses constant 2026 tax rules, without reconstructing historical legislation or predicting future changes.

Federal Revenue: fixed-income rates · Exchange taxation · IOF

Simulate compound interest, tax and inflation

Project contributions and compare gross wealth, net proceeds and purchasing power. The simulator separates contributions, income tax, IOF and fees, with private history for registered accounts.

Step by step

  1. Enter initial capital, contributions, frequency, start date and term in months.
  2. Choose CDI, Selic, historical Ibovespa or a custom gross rate. Review source dates for automatic references.
  3. Choose tax treatment and maturity per deposit. Adjust inflation and fees.
  4. Explore growth, comparison, annual tables, scenarios and redemptions. Sign in to save and restore up to 50 scenarios.

Calculation method

Effective rates use compound conversion. Income accrues on an actual/365 calendar-day basis. Each contribution has its own cost basis and tax holding period. At maturity, net proceeds are reinvested and the holding period restarts. Final withdrawal includes tax. Purchasing power discounts inflation to the start date.

Assumptions and limitations

Future rates are constant assumptions, not guarantees. Ibovespa is historical, not a security. Equity tax treatment covers Brazilian equity ETFs, not individual stocks, funds or day trading. LCI/LCA without price indexation require six months: deposits with less time available stay in cash. Issuer-specific conditions and future legislation are not forecast.

Common questions

Do all deposits pay the same tax over a one-year simulation?

No. Each deposit has a different date. Taxable fixed-income deposits held for 365 days pay 17.5% on income, while newer deposits can pay 20% or 22.5%, plus IOF when applicable.

What happens at an early maturity?

The model redeems the lot, deducts tax and reinvests net proceeds, restarting the holding period. LCI/LCA proceeds stay in cash when fewer than six months remain.

Is an account required to simulate?

No. An account is needed to save, restore or delete your private simulation history.

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