In October 2026, with the CDI (Brazil’s interbank deposit rate) at around 13.65% a year, how much R$ 100,000 yields depends on the investment: over 12 months, about R$ 8,220 in poupança (traditional savings account), R$ 11,261 net in a CDB (bank certificate of deposit) paying 100% of the CDI and R$ 12,205 in an LCI (tax-exempt real estate credit note) paying 90% of the CDI, exempt from IR (income tax). Per month, somewhere between R$ 660 and R$ 1,020.
- In poupança, R$ 100,000 yields about R$ 660 per month and R$ 8,220 over 12 months.
- In a CDB paying 100% of the CDI, the net gain is about R$ 831 in the first month and R$ 11,261 over 12 months.
- LCI and LCA paying 90% of the CDI can beat a CDB paying 100% because they are exempt from IR for individuals.
- The FGC (Brazil’s deposit insurance fund) covers up to R$ 250,000 per CPF (individual taxpayer ID) per institution; Tesouro Selic is backed by the National Treasury.
- The figures are simulations with constant rates; the Selic (Brazil’s benchmark interest rate) is expected to fall in the coming years.
How much R$ 100,000 yields: full simulation
The table below shows the net gain on R$ 100,000 over five time frames, after Income Tax where it applies. The figures represent only the earnings, without adding the initial principal.
| Time frame | Poupança | CDB 100% CDI (net) | CDB 110% CDI (net) | LCI/LCA 90% CDI (exempt) | LCI 95% CDI (exempt) |
|---|---|---|---|---|---|
| 1 month | R$ 660 | R$ 831 | R$ 914 | R$ 964 | R$ 1,018 |
| 6 months | R$ 4,029 | R$ 5,120 | R$ 5,650 | R$ 5,927 | R$ 6,266 |
| 12 months | R$ 8,220 | R$ 11,261 | R$ 12,468 | R$ 12,205 | R$ 12,925 |
| 24 months | R$ 17,116 | R$ 24,789 | R$ 27,634 | R$ 25,901 | R$ 27,521 |
| 5 years | R$ 48,435 | R$ 76,163 | R$ 86,808 | R$ 77,856 | R$ 83,636 |
Simulation assumptions
- CDI: around 13.65% a year (roughly 1.07% a month), with the Selic at 13.75% after the September 16, 2026 cut.
- Poupança: around 8.22% a year (roughly 0.66% a month). With the Selic above 8.5%, it yields 0.5% a month plus TR (reference rate).
- Income Tax: applied according to the regressive table for each row’s time frame. Poupança, LCI and LCA are exempt for individuals.
- Constant rates: the calculation assumes the CDI stays at the same level throughout the period. In practice, the Selic is expected to fall, as you will see further on.
For comparison, a CDB paying 100% of the CDI yields R$ 13,650 gross over 12 months. The difference from the R$ 11,261 net is the 17.5% IR on the gain. If the concept of the CDI is still unclear, see what the CDI is and how it works.
How much R$ 100,000 yields in poupança
In poupança, R$ 100,000 yields about R$ 660 in the first month and R$ 8,220 in a year, with no tax deducted. It is the simplest option, but it lags well behind the others with the Selic at its current level.
Over 5 years, the difference between poupança (R$ 48,435) and a CDB paying 100% of the CDI (R$ 76,163) exceeds R$ 27,000. Assess whether it makes sense in is poupança worth it in 2026.
How much R$ 100,000 yields in a CDB
In a CDB paying 100% of the CDI, the net yield is about R$ 831 in the first month and R$ 11,261 over 12 months. In a CDB paying 110% of the CDI, the figures rise to R$ 914 and R$ 12,468.
Over longer time frames, the 110% CDB overtakes the 90% LCI, because the IR rate drops to 15% after 720 days; over 5 years, it tops the table. Over 24 months, it delivers R$ 27,634, versus R$ 25,901 for the 90% LCI.
Why a 90% LCI can yield more than a 100% CDB
The answer lies in Income Tax. The CDB is taxed under the regressive table, while LCI and LCA remain exempt for individuals in 2026.
The regressive IR table
| Investment period | IR rate | CDB equivalent to an LCI paying 90% of the CDI |
|---|---|---|
| Up to 180 days | 22.5% | About 116% of the CDI |
| 181 to 360 days | 20% | About 112.5% of the CDI |
| 361 to 720 days | 17.5% | About 109% of the CDI |
| Over 720 days | 15% | About 106% of the CDI |
The equivalence formula
To compare a tax-exempt investment with a taxable one, use this calculation: equivalent CDB rate = LCI rate ÷ (1 − IR rate).
Example: an LCI paying 90% of the CDI, for a period of up to 180 days, is equivalent to a CDB paying 90 ÷ 0.775, or about 116% of the CDI. For more than 720 days, the calculation is 90 ÷ 0.85, about 106% of the CDI.
That is why, over 6 months, the 90% LCI (R$ 5,927) beats even the 110% CDB (R$ 5,650). Over 12 months, however, when the equivalent CDB drops to about 109%, the 110% CDB yields slightly more (R$ 12,468 versus R$ 12,205).
Will the LCI and LCA exemption end?
In October 2026, LCI, LCA, CRI, CRA and incentivized debentures remain exempt from IR for individuals. MP 1.303/2025 (a provisional measure), which proposed a 5% tax, did not become law.
In September 2026, banks began treating the end of the exemption as a possible scenario. This is a discussion, not a law. Even so, it is worth following the topic before concentrating funds in these securities. More details in income tax on investments.
Also remember that LCI and LCA have a minimum lock-up period, meaning they do not allow immediate redemption. They are not suitable for an emergency fund.
Tesouro Selic: yield and custody fee
Tesouro Selic (a floating-rate government bond) tracks the benchmark interest rate and is backed by the National Treasury. Over 12 months, R$ 100,000 invested in it yields about R$ 11,100 net, after IR and the custody fee.
The result is slightly below the CDB paying 100% of the CDI (R$ 11,261) because of the B3 (Brazil’s stock exchange) custody fee of 0.20% a year. Tesouro Selic is exempt from this fee for investments of up to R$ 10,000; above that amount, it applies.
Even though it yields a little less, Tesouro Selic has advantages: daily liquidity, minimal fluctuation and the issuer considered the safest in the country. Learn how it works in how Tesouro Direto works or on the official Tesouro Direto website.
Safety: the FGC and the R$ 250,000 limit
CDB, LCI, LCA and poupança are guaranteed by the Fundo Garantidor de Créditos (FGC). If the issuing institution fails, the FGC repays up to R$ 250,000 per CPF per institution, with an overall cap of R$ 1 million every 4 years.
With R$ 100,000, you are within the limit even if you keep everything at a single bank. Still, consider these points:
- Amounts above R$ 250,000: split them among institutions from different financial groups to keep everything covered.
- Interest counts toward the limit: the cap applies to principal plus earnings. Leave a margin.
- Rates far above average: may indicate an issuer with higher credit risk. The FGC protects you, but reimbursement is not immediate.
- What the FGC does not cover: Tesouro Direto (backed by the National Treasury), stocks, funds, debentures, CRI and CRA.
How much does R$ 100,000 yield per month? Can you live off it?
At October 2026 rates, R$ 100,000 yields per month somewhere between R$ 660 (poupança) and about R$ 1,020 (LCI paying 95% of the CDI). For the most common fixed-income options, the range is between about R$ 830 and R$ 1,020 per month.
That amount, however, is the nominal yield, before inflation. If you withdraw all the earnings every month, the purchasing power of the R$ 100,000 will shrink over time, because inflation erodes the principal.
To live off your investments sustainably, the right approach is to withdraw only the real yield, that is, what is left after offsetting inflation. With R$ 100,000, this provides supplemental income, not income to live on. Learn how to calculate the wealth you need in how to build passive income.
Real return: adjusting for inflation
The IPCA (Brazil’s official consumer price index) accumulated over the 12 months through August 2026 was 4.22%. Using that figure as a reference, the approximate 12-month real return of each option is as follows:
| Investment | Net yield over 12 months | Approximate real return (IPCA of 4.22%) |
|---|---|---|
| Poupança | 8.22% | About 3.8% |
| Tesouro Selic | About 11.1% | About 6.6% |
| CDB 100% CDI | 11.26% | About 6.8% |
| LCI/LCA 90% CDI | 12.21% | About 7.7% |
| CDB 110% CDI | 12.47% | About 7.9% |
| LCI 95% CDI | 12.93% | About 8.4% |
The calculation uses the formula (1 + yield) ÷ (1 + inflation) − 1. Keep in mind that IPCA over the next 12 months may differ: August saw deflation of 0.32%, linked to the Itaipu Bonus on electricity bills, but the September IPCA-15 rose 0.70%.
How much other amounts yield
Since fixed-income earnings are proportional to the amount invested, you just multiply. The table below uses the same assumptions, for a 12-month time frame:
| Amount invested | Poupança (12 months) | CDB 100% CDI net (12 months) | Difference |
|---|---|---|---|
| R$ 10,000 | R$ 822 | R$ 1,126 | R$ 304 |
| R$ 50,000 | R$ 4,110 | R$ 5,631 | R$ 1,521 |
| R$ 100,000 | R$ 8,220 | R$ 11,261 | R$ 3,041 |
| R$ 200,000 | R$ 16,440 | R$ 22,522 | R$ 6,082 |
| R$ 500,000 | R$ 41,100 | R$ 56,305 | R$ 15,205 |
| R$ 1 million | R$ 82,200 | R$ 112,610 | R$ 30,410 |
From R$ 500,000 upward, the FGC limit requires attention: to keep full coverage, spread the money among at least three institutions from different financial groups. With R$ 1 million, the overall cap of R$ 1 million every 4 years also comes into play.
What changes with the expected Selic decline
The simulations assume constant rates, but the most likely scenario is lower interest rates. In September 2026, the Copom (the Central Bank’s monetary policy committee) made its fifth consecutive cut of 0.25 percentage point, bringing the Selic to 13.75%. The next meeting will be on November 3 and 4.
The Focus Bulletin (the Central Bank’s weekly market survey) of September 14 projects the Selic at 13.75% at the end of 2026, 12% at the end of 2027 and 10.5% in 2028. These are projections, not certainties. If they materialize, investments tied to the CDI and the Selic will yield less in the coming years than the table shows.
How to lock in the current rate
Those who want to protect part of their returns can use bonds with a rate set at purchase:
- Fixed-rate: the Tesouro Prefixado 2029 paid around 13.76% a year on September 30, 2026. You know exactly how much you will receive if you hold it to maturity.
- Inflation-linked (IPCA+): the Tesouro IPCA+ 2029 paid around IPCA + 7.37% a year on the same date, guaranteeing a real return if held to maturity.
- Fixed-rate CDBs, LCIs and LCAs: follow the same logic, with FGC coverage.
These securities are marked to market: if you sell before maturity, you may gain or lose depending on interest rate movements. Rates also fluctuate daily. That’s why you should use them for money with a matching time frame, not for your emergency fund.
Conclusion
In October 2026, how much R$ 100,000 yields depends on the product: about R$ 8,220 a year in poupança, R$ 11,261 in a CDB paying 100% of the CDI and up to R$ 12,925 in an LCI paying 95% of the CDI, always in simulations with constant rates.
Before choosing, compare net rates for the period you plan to stay invested, respect the FGC limit, consider liquidity and remember that the Selic is expected to fall. Diversifying among floating-rate, fixed-rate and inflation-linked bonds helps balance safety and yield over time.
Frequently asked questions
How much does R$ 100,000 yield in poupança per month?
With the Selic above 8.5%, poupança yields about 0.66% a month. So R$ 100,000 yields about R$ 660 per month, exempt from Income Tax.
How much does R$ 100,000 yield in a CDB in one year?
In a CDB paying 100% of the CDI, with the CDI at around 13.65% a year, the gross yield is R$ 13,650 and the net yield, after 17.5% IR, comes to about R$ 11,261.
Does an LCI paying 90% of the CDI yield more than a CDB paying 100%?
Yes, for most time frames. Since the LCI is exempt from IR for individuals, an LCI paying 90% of the CDI is equivalent to a CDB paying about 116% of the CDI for up to 180 days and about 106% beyond 720 days.
Can you live off R$ 100,000?
Not as your main income. R$ 100,000 yields about R$ 830 to R$ 1,020 per month in fixed income, before inflation. Withdrawing all of it reduces the principal’s purchasing power over time.
Is it safe to keep R$ 100,000 at a single bank?
The FGC covers up to R$ 250,000 per CPF per institution in CDB, LCI, LCA and poupança, so R$ 100,000 stays within the limit. Above R$ 250,000, split it among institutions.
Will yields fall as the Selic declines?
Yes, for floating-rate investments. The Focus Bulletin projects the Selic at 12% at the end of 2027 and 10.5% in 2028. Fixed-rate and IPCA+ bonds let you lock in the current rate.
This content is for educational purposes only and does not constitute an investment recommendation. Past performance does not guarantee future results. Data updated in October 2026.