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Do You Know How Much R$ 20 Thousand Earns in the Caixa Savings Account in Just One Month? A Simulation Shows the Exact Value and Compares It with Another Popular Investment That Promises More Return, Even with Tax.
The profitability of the savings account continues to be a topic of discussion among those seeking safe alternatives to save money. A practical example with R$ 20,000 invested in the Caixa savings account shows exactly how much the investor can earn after 30 days.
Monthly Yield of the Savings Account
According to the Central Bank’s website, the savings account currently yields 0.6770% per month.
This rate applies to deposits made, for example, on July 28, with earnings credited on August 28 — the so-called “anniversary” of the savings account.
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The most important thing to remember is that if the money is withdrawn before that date, the investor loses the earnings for that period.
Based on this rate of 0.6770% per month, the yield on R$ 20,000 would be R$ 134 after 30 days. This amount is credited directly to the account, without income tax deductions.
And it is precisely this point that often attracts many more conservative investors: the tax exemption.
Comparison with Another Investment
To better understand the opportunity cost of keeping money in the savings account, a comparison was made with another type of investment.
In this case, an investment that yields 100% of the CDI — considered a minimum benchmark in fixed income. Currently, the CDI is at 14.9% per year, which is about 1.16% per month.
With the same R$ 20,000 invested for one month in this investment, the gross yield would be R$ 232.83.
However, since this investment is subject to income tax, the net amount ends up being lower. The tax in this case is 22.5% because the investment was held for less than 180 days.
Therefore, the tax on the yield would be R$ 52.39. After the deduction, the net yield is R$ 180.44.
Difference in Final Results
The direct comparison reveals an essential point. Even with the tax deduction, the investment linked to the CDI still provides a higher yield than the savings account. The difference is R$ 46 more in the month.
Therefore, those who keep money idle in the savings account miss out on this amount. The most important thing, in this case, is to observe that there are options with the same safety and immediate liquidity — such as CDBs — that can deliver better results in the short term.
Additionally, it is worth noting that many of these investments have liquidity similar to that of the savings account, allowing quick withdrawals when necessary.
Even though it is a traditional and easy-to-understand investment, the savings account ends up lagging behind in profitability.
That is why knowing the available alternatives and comparing the actual numbers can make a difference in your wallet. An apparently small yield can gain weight over the months.
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