CDI a partir Selic
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
About this calculator
This calculator converts the Selic rate into an approximation of the CDI (Interbank Deposit Certificate) using the formula CDI = Selic - 0.10. The CDI is a Brazilian financial indicator reflecting the average interest rate banks charge each other. This quick calculation helps investors compare returns or adjust financial strategies using updated data.
The formula subtracts 0.10 percentage points from the Selic, a historical approximation between the two indicators. This is not a fixed rule but a common market estimate. For precise calculations, consult official tables or financial institution tools.
Use this tool to estimate the CDI when comparing investment returns, simulating financial scenarios, or calculating financing costs. However, note that the actual CDI may vary daily based on banking system activity, while the Selic is set by the Central Bank. Always check the most recent data before making financial decisions.
Common precautions include avoiding confusion between CDI and other rates (like the DI or TR) and recognizing that this approximation does not replace official calculations. The Selic can also change with Central Bank policies, directly affecting the CDI estimate here.
Frequently asked questions
How does the calculator work?
It applies the formula CDI = Selic - 0.10, a historical approximation between the two Brazilian indicators. The result is an estimated CDI based on the current Selic rate.
Why subtract 0.10 from the Selic?
This subtraction is an observed market average, not a fixed rule. The Selic-CDI relationship may vary with economic conditions and Central Bank policies.
Is this approximation reliable?
It's a useful estimate for quick comparisons but doesn't replace official data. For exact calculations, consult financial institutions or government tables.
When to use this tool?
Use it to simulate investments, compare returns, or plan loan costs using updated rates.
Can the actual CDI be different?
Yes, the CDI changes daily based on banking activity. The Selic is set by the Central Bank and may change with monetary policies.