Calculadora Renda Fixa

The Calculadora Renda Fixa app is designed to be practical and user-friendly, even for those with no knowledge of investments. Its main functions include fixed income simulations to compare different investment options like CDB, LCI, Treasury Direct, and others. It also features a compound interest simulator for long-term investments and a financial independence calculator to determine when one can live off interest alone. Additionally, the app provides a CDBxLCI/LCA equivalence table, which is helpful in choosing between tax-exempt options. The app automatically captures market rates, charges direct treasury fees, calculates income tax and fees, and includes a graph for compound interest calculations. The financial independence calculator considers inflation to provide a more realistic value.

The advantages of this software are:

- Practicality: It is designed to be practical and easy to use, without requiring any investment knowledge.

- Fixed Income Simulations: It allows users to compare different fixed income investments such as CDB, LCI, Treasury Direct, and others. This helps in making informed investment decisions.

- Compound Interest Simulator: Users can simulate long-term investments and calculate compound interest. This feature helps in understanding the potential growth of investments over time.

- Financial Independence Calculator: The software provides a tool to calculate when an individual can live solely on interest income, enabling financial planning for the future.

- CDBxLCI/LCA Equivalence Table: It offers a table that compares the interest rates of CDB and LCI investments, which is particularly beneficial when choosing between the two options, especially considering tax exemptions.

- Automated Features: The software automatically captures market rates, such as SELIC and IPCA. It also charges direct treasury fees and calculates income tax and fees. Additionally, it includes graphing capabilities for compound interest calculations and considers inflation for a more realistic estimation of financial independence.