Savings Simulator for Financial Goals

Calculate exactly how much you need to save and invest monthly to achieve your life goals (such as a trip, a car purchase, a down payment on a property, or a wedding). The calculator projects accumulated inflation and automatically deducts income tax.

Quick Goals:

International Trip (18 months) Car Purchase (36 months) Down Payment on a House (72 months)

Goal Details

Goal Amount (Today's USD)

The amount it would cost to achieve your goal today.

Time Limit to Achieve

months

Portfolio Profile Influences the estimated tax rate.

Estimated Nominal Return Rate

% p.a.

Estimated Inflation (IPCA Average)

% p.a.

Fill in the data and click on Calculate Contribution to run the deposit projection.

$ 0.00

Required Monthly Deposit

$ 0.00

Adjusted Future Goal Amount

$ 0.00

Total Amount Deposited

$ 0.00

Net Yield Generated

$ 0.00

Estimated Income Tax

0.00%

Monthly Real Return Rate (Net)

Evolution of Wealth Towards the Goal (Accumulated)

Annual Details of the Accumulation Schedule

Year	Accumulated Deposits	Net Earnings	Accumulated Taxes Paid	Gross Accumulated Wealth	Net Accumulated Wealth

How to Plan Savings for Financial Goals Intelligently?

Defining a goal (e.g., saving $50,000 for a down payment on an apartment) is the first step to financial success. The second step, where most people fail, is to calculate the math so as not to be surprised by currency depreciation or compulsory taxation on interest earned.

The Three Factors that Affect Your Capital Accumulation

Inflation Erosion: If you save $50,000 under your mattress for 3 years, the amount will still be $50,000 in physical notes, but its purchasing power will have been reduced by inflation. This calculator adjusts the goal amount in the future according to expected inflation, so that your money on the deadline can buy exactly the same as $50,000 can buy today.
The Power of Compound Interest: By investing your monthly contributions, you earn interest on deposits and, consequently, interest on interest earned. This means you need to deposit much less from your own pocket, as the market pays a significant portion of the total value.
The Taxman's Bite (Income Tax): All taxable investments (such as bank certificates of deposit, Selic Treasury rates, or funds) are subject to income tax withholding. In Brazilian fixed income, the tax follows a Regressive Table based on the investment term (ranging from 22.5% for terms up to 180 days to a minimum rate of 15% after 720 days). The calculator incorporates this taxation to ensure that your final net balance is exactly equal to your desired goal.

Frequently Asked Questions

For short terms, the absolute priority should be capital security and immediate liquidity, not the pursuit of high returns. It is ideal to use simple and secure post-fixed investments, such as the Selic Treasury rate, bank certificates of deposit with daily liquidity from large banks (which yield at least 100% of the interbank rate), or remunerated digital accounts. Avoid stocks or multimarket funds, as volatility can cause nominal losses on the date you need to withdraw the money.

Yes, there are tax-exempt options for individuals in Brazil. In fixed income, the most well-known are the traditional savings account (very low return rate), LCI (real estate credit notes), LCA (agribusiness credit notes), and Incentivized Debentures (indicated for longer terms). In variable income, earnings and dividends from Real Estate Investment Trusts (REITs) and stock sales up to $20,000 per month are exempt.

The Selic rate dictates the average return rate of all post-fixed fixed income. If the Selic rate rises, the nominal yield of your investments in bank certificates of deposit or the Selic Treasury rate increases, meaning the market will pay a larger installment of your goal, and you will need to deposit less monthly. If the Selic rate falls, the yield decreases, and your savings effort (monthly contribution) will have to be greater to achieve your goal.