How Much Does Savings Yield Today? Simulator and Updated Selic Table
A savings account is the most traditional and beloved investment among Brazilians. However, due to lack of information, millions of people lose money every day by leaving their savings there when they could be earning much more in other equally safe options.
If you want to know exactly how much your savings money yields today, how the profitability rule works and what the best fixed income alternatives are for 2026, you're in the right place. Use our Savings Calculator vs CDI to simulate the exact income from your assets.
How is Savings Income Calculated?
The income from the savings account follows a rule defined by law (Law 12,703/2012) which directly depends on the value of the Selic Rate (the basic interest rate of the Brazilian economy).
There are two possible scenarios for the calculation:
1. Scenario A: Selic rate above 8.5% per year (Current Scenario)
When Selic is above 8.5% per year, the savings income is fixed:
- 0.5% per month + Reference Rate (TR)
- This equates to approximately 6.17% per year + TR.
2. Scenario B: Selic rate equal to or less than 8.5% per year
When the basic interest rate drops to 8.5% or less, the yield becomes dynamic:
- 70% of the Selic Rate + Reference Rate (TR).
What is the TR? The Reference Rate is an interest rate calculated daily by the Central Bank. For a long time it was at zero, but with the rise in the Selic rate, it became positive again, adding a small extra income to savings.
Savings Income Table (Practical Simulation)
To make it easier to visualize, we simulate the gross savings yield for different amounts based on a recent average TR. See how much your money makes:
| Value Applied | Income in 1 Month | Income in 6 Months | Income in 1 Year |
|---|---|---|---|
| $ 1.000 | $ 5.10 | $ 30,85 | $ 63.50 |
| $ 5.000 | $ 25.50 | $ 154,25 | $ 317.50 |
| $ 10.000 | $ 51.00 | $ 308,50 | $ 635.00 |
| $ 50.000 | $ 255.00 | $ 1.542,50 | $ 3,175.00 |
| $ 100.000 | $ 510.00 | $ 3.085,00 | $ 6,350.00 |
| $ 500.000 | $ 2,550.00 | $ 15.425,00 | $ 31,750.00 |
| $ 1.000.000 | $ 5,100.00 | $ 30.850,00 | $ 63,500.00 |
Note: The values are gross estimates based on a yield rate of 0.5% per month added to the TR estimate. The actual value may vary slightly day to day according to the TR published by the Central Bank.
The Impact of Inflation: Real vs Nominal Income
One of the biggest mistakes when evaluating savings income is to only look at the nominal income (how much the balance increases in the account) and forget the real income (the income after inflation).
If savings yield 6.5% in the year, but inflation (IPCA) accumulated in the same period is 5.5%, your gain in real purchasing power was only 1%. If inflation is greater than the savings yield, you will, in effect, be losing purchasing power, even though your cash balance will increase.
More Profitable Alternatives and As Safe as Savings
Many people keep money in savings for fear of losing their capital. However, the financial market offers options with the same level of security (or even greater) that yield significantly more:
- Selic Treasury: Bond issued by the federal government (the safest investment in the country). Yields the Selic rate plus a small fee. It has daily liquidity.
- CDB 100% of CDI: Securities from medium and large banks protected by the Credit Guarantee Fund (FGC) up to $250 thousand per CPF and institution. They yield around 30% to 40% more than savings.
- LCI and LCA: Real Estate and Agribusiness Credit Letters. They are exempt from Income Tax for individuals and also have FGC protection.
To compare these options in detail and make the exact simulation for your budget, access our CDB vs LCI vs LCA Calculator and make a comparison in seconds.