Financial Tools Directory
Below you will find all of Investmony's interactive calculators and simulators. Designed to give fast, visual, and transparent answers for your investment, tax, and wealth decisions.
Investments & Fixed Income
Return simulators, compound interest calculators, and fixed-income investment comparisons.
CDB & Fixed Income Simulator
Compare the real net return between CDB, LCI, LCA, and Treasury bonds. Understand the impact of the progressive income tax bracket.
Simulate CDBFirst Million Calculator
Discover how long it takes to reach your first million with monthly contributions and the magic of compound interest. See the milestones along the way.
Calculate MillionPGBL vs. VGBL
Compare PGBL and VGBL private pension plans with income tax simulation. Find out which delivers a higher net return for your profile.
Compare PlansTreasury Bond Simulator
Compare Selic, IPCA+, and Fixed-Rate bonds. Calculate the real net yield after income tax and B3 fees for each government bond.
Simulate TreasurySavings vs. Fixed Income
See how much money you lose by leaving it in savings. Compare with a 100% CDI CDB over the same period and discover the true cost of inaction.
Compare OptionsDividend Simulator
Project the snowball effect of reinvesting dividends from stocks and real estate funds. Calculate when your portfolio generates real passive income.
Project DividendsSimple vs. Compound Interest
Visualize the difference between simple and compound interest regimes. Understand the exponential curve with recurring contributions.
Compare RegimesROI & Payback Simulator
Estimate the Return on Investment (ROI), break-even point, and payback period for your project or business.
Simulate ROINPV & IRR Calculator
Estimate project viability by calculating Net Present Value (NPV), Internal Rate of Return (IRR), and Discounted Payback.
Simulate ViabilityLCI/LCA Equivalent to CDB
Compare the real net return of tax-exempt credit notes (LCI/LCA) against taxable CDBs applying the income tax brackets.
Simulate EquivalencePerpetual Income Simulator
Calculate the wealth needed to live off stock dividends or REIT payouts, protecting your monthly withdrawals from inflation.
Simulate IncomePension Fund vs. DI Fund
Compare private pension plans (PGBL/VGBL) against common fixed-income funds and see the impact of the periodic tax (come-cotas).
Simulate PensionHistorical Yield (TWR vs. MWR)
Discover your real pocket yield versus the portfolio's nominal gain. See the impact of your contributions and withdrawals.
Calculate ReturnsLifetime Income Simulator
Simulate the conversion of your wealth into a lifetime monthly income paid by insurers and compare actuarial tables.
Simulate IncomeSavings Goals Planner
Calculate the constant monthly deposit needed to reach future goals, adjusting for interest rates, inflation, and income tax.
Plan GoalsBarsi Price Target Calculator
Simulate the ceiling price for dividend-paying stocks using the Luiz Barsi method. Discover your margin of safety.
Simulate Price TargetReal Estate & Financing
Project real estate financing (SAC/PRICE tables), compare buying vs. renting, and plan housing costs.
Real Estate Mortgage Calculator
Project monthly payments using SAC and PRICE amortization tables. Simulate extra payments and reduce the loan term by years.
Simulate FinancingBuy vs. Rent a Home
Compare the real total cost of buying vs. renting. Factor in transfer taxes, financing, property appreciation, and opportunity cost.
Compare OptionsRent Adjustment (IGP-M / IPCA)
Calculate your rent adjustment using the IGP-M or IPCA indices. Simulate the evolution over upcoming years and compare different indices.
Calculate AdjustmentVehicle Financing (CDC)
Simulate your car financing by CDC. Calculate installments, total interest, IOF tax, and the Effective Total Cost (CET) of the operation.
Simulate VehicleCar Subscription vs. Purchase
Discover whether it's better to subscribe to a car monthly or buy it outright (cash or financed), factoring in depreciation and opportunity cost.
Compare CarsConsortium vs. Bank Financing
Compare the real total cost of a purchasing consortium (no interest, admin fees) versus bank financing. See what pays off in the long run.
Compare NowProperty Acquisition Costs
Estimate transfer taxes, notary fees, property registration, and bank charges before signing the contract. Includes the 50% SFH notary discount.
Calculate CostsProperty Purchase Limit
Discover the maximum property price you can afford based on your household income under the standard 30% income rule.
Simulate LimitFinancing Portability
Simulate porting your mortgage to another bank. Discover real savings after deducting notary and transfer costs.
Simulate PortabilityHome Equity Loan Simulator
Simulate a home equity loan (CGI). Calculate the maximum acceptable LTV and compare rates with the market.
Simulate Home EquityExtra Amortization Comparator
Simulate recurring monthly extra payments versus annual lump-sum payments and see which pays off your debt faster.
Compare AmortizationHome Loan Insurance (MIP/DFI)
Estimate the cost of mandatory MIP and DFI insurance on your mortgage. See how costs evolve with age and project the impact on your monthly payment.
Simulate InsuranceCDC vs. Financial Leasing
Compare the cost of financing a vehicle via CDC against Financial Leasing. See service taxes, IOF, and the effective total cost.
Compare FinancingVehicle Refinancing
Simulate a vehicle-secured loan (CGI). Calculate the maximum amount released by the FIPE table, fees, and effective total cost.
Simulate RefinancingREITs vs. Physical Property Comparator
Compare the monthly net return and equity appreciation of real estate investment funds against buying a property to rent.
Compare ReturnsBuild vs. Buy Ready Property
Compare the total cost of buying a ready-built property against financing a plot and self-building with construction-phase interest.
Compare OptionsPlanning & Retirement
Tools to calculate your financial independence, family budgets, and emergency fund.
Retirement Planner
Discover your financial independence number based on your projected future expenses adjusted for inflation.
Plan RetirementResilient Portfolio Simulator
Build a resilient portfolio with global asset classes. Compare your current allocation and get your rebalancing plan.
Simulate PortfolioEmergency Fund Calculator
Calculate how many months of expenses you should keep as a financial safety net, based on your employment profile (employee, freelancer, or public servant).
Calculate Reserve50/30/20 Family Budget
Distribute your income between needs, wants, and investments. Compare your current split against the ideal rule and find where to cut spending.
Analyze BudgetSocial Security Retirement (INSS)
Simulate when and how much you will receive from Social Security under the Pension Reform transition rules (EC 103/2019). Calculate your income gap.
Simulate Social SecurityCost of Raising a Child
Project the total cost of raising a child from birth through college. Compare by income class and school type, and calculate the monthly financial impact.
Calculate CostDebt Payoff Planner
Compare the Snowball and Avalanche methods with additional payments. Map the fastest plan to zero out your credit cards and loans.
Simulate PayoffDebt-to-Income Ratio (DTI)
Calculate your monthly debt percentage. Check whether you are at risk or within the financial sustainability threshold.
Simulate IncomeHistorical Inflation & Purchasing Power
Calculate accumulated inflation and the real loss in purchasing power under the IPCA or IGP-M index since the start of the Real Plan (1994).
Calculate InflationCollege Planner
Project the cost of a private university degree and compare saving in advance against financing through government or private student loans.
Simulate CollegeReceivables Advance Financing
Calculate the real interest rate and effective total cost (CET) monthly/annually for advancing installment sales or invoices.
Simulate ReceivablesRetirement Portfolio Drawdown
Project how many years your retirement portfolio will last based on inflation, yield, and your annual withdrawal rate.
Simulate DrawdownPayroll Deduction Limit
Calculate the maximum installment allowed for payroll-deducted loans and credit cards for social security retirees, civil servants, and employees.
Calculate MarginDebt Consolidation Simulator
Simulate consolidating expensive debts (revolving credit card, overdraft) into a single payroll loan with smaller installments.
Simulate ConsolidationFIRE Independence Calculator
Simulate the time needed to achieve FIRE (Financial Independence, Retire Early). Discover your FIRE number.
Simulate IndependenceThe 4% Rule Calculator
Simulate how long your retirement portfolio will last with annual inflation-adjusted withdrawals.
Simulate WithdrawalsTaxes & Taxation
Calculate capital gains, compare employment types, plan your income tax, and simulate tax scenarios.
Capital Gains Tax Calculator
Estimate the income tax owed on the sale of stocks, REITs, crypto, vehicles, and real estate under local exemption rules.
Calculate TaxSelf-Employment Monthly Tax Simulator
Calculate the monthly self-employment income tax for freelancers and liberal professionals. Simulate income tax on individual earnings.
Calculate Self-Employment TaxCLT vs. PJ
Compare salaried employment (CLT) and self-employment (PJ) with real calculations of social security, income tax, severance fund, bonuses, and all PJ costs. Find out what pays off.
Compare RegimesIRPF: Simplificada vs. Completa
Discover which income tax filing method yields a lower tax bill. Compare the standard deduction (20%) against itemized real deductions.
Compare ModelsInvestment Income Tax Calculator
Calculate the income tax owed on the sale of CDBs, stocks (swing trade and day trade), REITs, and ETFs. See your real net profit and whether an exemption applies.
Calculate Income TaxFactor R Simulator (Simples Nacional)
Find out whether your service company falls under Annex III (6%) or Annex V (15.5%). Calculate the ideal owner salary (pró-labore).
Calculate Factor RTax Reform (VAT Impact)
Simulate the tax transition from embedded taxes (ICMS, ISS) to the new Dual VAT charged on top. See the impact on final prices.
Simulate Tax ReformCLT Severance Calculator
Calculate gross and net severance pay estimates under CLT rules (notice period, vacation pay, 13th salary, FGTS penalty, and deductions).
Calculate SeveranceImport Tax Calculator (Remessa Conforme)
Estimate the taxes charged on international purchases (federal import duty + state ICMS) under the Remessa Conforme program rules.
Simulate Import TaxProbate Costs & Inheritance Tax (ITCMD)
Estimate the costs of a judicial or extrajudicial probate process. Calculate the state inheritance tax (ITCMD), notary fees, and attorney fees.
Calculate ProbateSimples Nacional Tax Simulator
Simulate the effective rate and monthly tax under the Simples Nacional regime for retail and service businesses (Annexes I to V).
Simulate TaxMEI Monthly Tax Calculator
Calculate the monthly MEI tax (DAS) and the tax-exempt or taxable profit distribution for income tax purposes.
Calculate MEIIncome Tax on Rental Income
Simulate the monthly self-employment income tax on rental income received by individuals and applicable deductions.
Calculate Rental TaxDividend Taxation Simulator
Simulate the taxation of domestic dividends (currently tax-exempt) and foreign dividends or BDRs. Discover the effective tax rate.
Simulate DividendsIncome Tax Exemption (Senior/Illness)
Simulate income tax exemption eligibility for retirees aged 65+ or individuals with serious illnesses.
Check ExemptionEstate Declaration & Inheritance Tax
Estimate the state inheritance tax (ITCMD), legal costs, and asset distribution among heirs.
Simulate Estate