CDB Pós (% CDI)
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
CDB
About this calculator
The CDB Post (% CDI) calculator is a useful tool for investors who want to calculate the future value of an investment in CDB (Bank Deposit Certificate) with post-fixed remuneration, indexed to the CDI rate. It works using the formula VF = PV · (1+CDI·%)^n, where VF is the future value, PV is the present value (or initial), CDI is the interest rate, % is the percentage of participation in the CDI rate and n is the number of periods.
This calculator is useful when you want to know how much your investment in CDB will yield after a certain period, considering the interest rate and participation in the CDI. It is important to remember that the interest rate and participation in the CDI can vary over time, affecting the value of the investment.
To use the calculator, simply enter the values of the initial investment, interest rate, participation in the CDI, and number of periods. The calculator will perform the calculation automatically, providing the future value of the investment. It is important to be careful when entering the values, as small variations can significantly affect the final result.
In addition, it is essential to understand that the CDB is a fixed-income investment, with associated risks, such as credit risk and liquidity risk. Therefore, it is crucial to carefully evaluate the conditions of the investment and consider your own financial situation before investing.
Frequently asked questions
What is CDB?
CDB is a Bank Deposit Certificate, a type of fixed-income investment offered by banks. It is a way to invest money with a fixed return, usually with low risk.
How does the post-fixed remuneration work?
The post-fixed remuneration is calculated after the investment period, based on the interest rate and participation in the CDI. This means that the investor receives the return on investment only after the maturity of the title.
What is the risk associated with investing in CDB?
Investing in CDB involves risks, such as credit risk and liquidity risk. Credit risk refers to the possibility that the bank will not honor the commitment to pay the investment, while liquidity risk refers to the difficulty of redeeming the investment before maturity.
Can I redeem my CDB investment at any time?
Generally, no. The CDB investment is made for a determined period, and redeeming it before maturity may result in penalties or loss of yield.
How do I choose the best interest rate for my CDB investment?
The choice of the best interest rate depends on your investor profile and financial objective. It is essential to consider the interest rate offered, participation in the CDI, and investment term when choosing a CDB.