Capital p/ renda mensal
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
About this calculator
The 'Capital for Monthly Income' calculator estimates the investment needed to generate a fixed monthly income from Real Estate Investment Funds (REITs). It uses the formula: Capital = (Monthly Goal × 12) ÷ Dividend Yield (DY), assuming annual returns match historical averages of the selected REITs.
Example: for $1,000/month with a 6% DY, the calculation shows $200,000 required. Suitable for planning retirement with passive income or boosting cash flow. Always use updated data and adjust for inflation.
Notes: the formula assumes stable returns and doesn't account for market fluctuations. It excludes operational costs and taxes. For accuracy, check the REIT's historical performance and simulate different yield scenarios.
Frequently asked questions
Should I consider taxes in this calculation?
No, DY values already include IRPJ and CSLL. Manually add social contribution taxes (PIS/COFINS) in Brazil for final net income.
How to find the correct DY?
Use the 12-month average DY from B3's official REIT page or platforms like InfoMoney, avoiding speculative estimates.
Does the formula work for other assets?
Yes, but it's tailored for REITs. For stocks, use historical dividends and asset beta for similar projections.
What if the REIT's yield changes?
This calculation assumes stable yields. Real estate markets fluctuate, so treat this as a starting reference, not a guarantee.
Is this suitable for long-term planning?
Yes, but review the DY and invested capital yearly to adjust for market changes and personal goals.