Calculadora de IR sobre Fundos de Investimento

This calculator helps investors determine the regressive Income Tax rate applicable to investment funds in Brazil. The IR on funds follows a regressive table that reduces as the investment period lengthens: the longer the money stays invested, the lower the rate. The rates are: 22.5% for up to 180 days, 20% from 181 to 360 days, 17.5% from 361 to 720 days, and 15% for over 720 days. Simply enter the number of days to get the correct rate.

The operation is simple: enter the number of days the investment has been held. The calculator compares the period with the regressive table intervals and returns the corresponding rate. For example, an investment of 300 days falls into the 181 to 360 days bracket, resulting in a 20% rate. This tool is useful for tax planning, helping to decide the optimal redemption time to pay less tax.

Use this calculator when you need to simulate the impact of IR on the redemption of investment funds, such as fixed income, multi-market, or equity funds. It is especially useful for comparing different periods and choosing the most efficient strategy. Remember that IR is withheld at source at redemption, and this calculator provides only the rate, not the exact tax amount, which depends on the profit obtained.

Caveats: the regressive table applies only to long-term funds (e.g., fixed income and multi-market funds). Short-term funds have a different taxation (flat rate of 22.5% regardless of period). Also, the period considered is for each individual investment, not the fund as a whole. Always check the fund type and specific rules of your investment.