Finance Calculators
Simulate investments with real 2026 rates, compare loan systems, and calculate Brazilian and US taxes — including the new no-tax-on-tips and overtime deductions. Rates and tables are verified against primary sources like the Brazilian Central Bank and the IRS.
Brazil Investment Yield Calculator (2026)
See what a lump sum actually earns in Brazil, net of tax. This calculator uses the rates in force in September 2026 — a 14% Selic policy rate, a 13.90% CDI interbank rate and a savings account (poupança) paying 0.6690% per month — to compare the four instruments most Brazilians choose from: poupança, CDB, Tesouro Selic and tax-exempt LCI/LCA.
Compound Interest Calculator
See how your money grows when interest earns interest. Enter an initial deposit, monthly contributions, an interest rate and a time period — the calculator instantly shows your future balance, how much came out of your pocket and how much the compounding did for you.
Brazil Mortgage Calculator — SAC vs. PRICE
Brazilian mortgages come in two flavors, and the choice between them can change the total cost by hundreds of thousands of reais. Enter the property price, your down payment, the annual rate and the term to see both systems side by side: the fixed PRICE payment, the first and last SAC payments, and exactly how much SAC saves over the life of the loan.
Brazil Car Loan Calculator
Brazilian car loans are quoted at a monthly interest rate, and the resulting cost surprises most buyers. Enter the vehicle price, your down payment, the monthly rate from the contract and the term. The calculator applies the standard CDC fixed-payment structure and shows the monthly installment, total interest, full cost and — crucially — the percentage you pay above what the car is actually worth.
Brazil MEI Tax Calculator (2026)
The MEI (Microempreendedor Individual) is Brazil’s simplified regime for solo entrepreneurs: one fixed monthly tax, no accountant required and no percentage of revenue owed. This calculator shows the exact 2026 DAS amount for your activity type, what it adds up to over the year, and how much revenue you can still invoice before hitting the R$81,000 annual cap.
No Tax on Tips Calculator (2026)
The One Big Beautiful Bill Act created a federal deduction of up to $25,000 a year for qualified tips, available for tax years 2025 through 2028. It is not a tax exemption and it does not touch payroll taxes — it lowers the income your federal tax is calculated on. Enter your tips, your filing status, your total income and your bracket to see the deduction you actually qualify for, the tax it saves, and the Social Security and Medicare tax that still comes out of every tip.
No Tax on Overtime Calculator (2026)
The One Big Beautiful Bill Act created a federal deduction for qualified overtime compensation of up to $12,500 a year ($25,000 on a joint return), available for tax years 2025 through 2028. Only the premium half of time-and-a-half counts, and payroll taxes are untouched. Enter your hourly rate, your overtime hours and your bracket to see the deductible premium, the tax it saves and what actually lands in your pocket.
1099 Quarterly Tax Calculator (2026)
Nobody withholds taxes from a 1099. If you drive for Uber, deliver for DoorDash, cut hair, clean houses or invoice clients as a freelancer, the IRS expects you to pay your own federal tax four times a year — and the bill is bigger than most people expect, because self-employed workers owe both halves of Social Security and Medicare. This calculator uses the verified 2026 numbers (the $184,500 Social Security wage base, the $16,100 / $32,200 standard deduction, the permanent 20% QBI deduction and the Rev. Proc. 2025-32 rate schedule) to show what to set aside from every dollar of profit and what to send the IRS each quarter.
IRS Mileage Deduction Calculator (2026)
Mileage is the largest deduction most self-employed drivers will ever claim, and 2026 is an unusual year: the IRS raised the business rate in the middle of it. Miles driven January through June are worth 72.5 cents each, miles from July 1 onward are worth 76 cents. For a DoorDash or Uber driver logging 20,000 business miles, that is roughly $14,850 off taxable profit — and because business miles reduce self-employment tax as well as income tax, the real cash value is well above the marginal-rate math alone. Enter your miles below to see the deduction and what it actually saves you.
Send Money from the USA to Brazil: How Much Actually Arrives
Send $1,000 and your family receives… how much? The answer depends far less on the fee shown on screen and far more on the exchange rate the provider uses behind it. This calculator shows the real amount landing in a Brazilian account after the exchange-rate spread, the flat fee in dollars and Brazil’s 0.38% IOF tax on inbound transfers.
USCIS Fees Calculator (2026)
Every USCIS form carries its own filing fee, and a family case adds up fast. This calculator uses the fees published in the May 29, 2026 edition of Form G-1055, multiplies them by the number of applicants, shows the discount for filing online and adds the market range for attorney fees.
Brazil Payroll Loan (Consignado) Calculator
Consignado is Brazil’s cheapest consumer credit: installments are deducted at source from a salary or social-security benefit, so lenders charge a fraction of what they charge on ordinary personal loans. This calculator applies the 35% payroll margin in force since Provisional Measure 1,355/2026 and the standard PRICE amortization formula, showing the installment, the maximum you could borrow inside your margin, and total interest.
Brazil Credit Card Revolving Interest Calculator
Brazilian revolving credit-card debt is the most expensive mainstream credit line in the world’s major economies: the Central Bank put the average at 15.02% per month in July 2026 — 436.2% per year. This calculator shows what an unpaid bill becomes, adds the IOF financial-transactions tax, applies the statutory cap from Law 14,690/2023 that prevents the debt from more than doubling, and compares the cost with converting the bill into an installment plan.
LCI vs CDB: Brazil Fixed Income Comparison (2026)
A Brazilian bank note (CDB) paying 110% of the CDI looks obviously better than a real-estate letter (LCI) paying 93% — until you remember the CDB is taxed and the LCI is not. This calculator runs the gross-up, the standard market conversion, and shows which one actually puts more money in your pocket. It uses the CDI at 13.90% per year as of September 2026, the regressive income-tax table, and the LCI/LCA exemption that remains in force in 2026.
Also available in Portuguese: Calculadoras Financeiras