# calcular_cdb_vs_lci_vs_tesouro_vs_poupanca

Compara rentabilidade líquida de renda fixa: CDB vs LCI vs Tesouro Direto vs Poupança. CDB e Tesouro: IR regressivo (22,5% a 15%) + IOF se < 30 dias. LCI e Poupança: isentos de IR. Poupança: 0,5%/mês (Selic > 8,5%) ou 70% Selic. Retorna ranking por rentabilidade líquida, melhor opção e margem sobre 2º colocado.

Agent View of the PolicyLayer registry record for `calcular_cdb_vs_lci_vs_tesouro_vs_poupanca`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-cdb-vs-lci-vs-tesouro-vs-poupanca

## Facts

- Tool: `calcular_cdb_vs_lci_vs_tesouro_vs_poupanca`
- Server: Contaí — Calculadoras Fiscais Brasileiras (`@contai-evoluke/mcp-server`) — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md
- Install: `npx -y @contai-evoluke/mcp-server`
- Homepage: https://github.com/lfhillesheim/calculadora
- Risk category: Read (Low risk)
- Registry record: grade B, identity unverified
- Server rate-limited: no
- Parameters: 10 (10 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `prazoDias` | integer | yes | Prazo da aplicação em dias corridos (1 a 10.800) |
| `tesouroTipo` | string | yes | Tipo de Tesouro Direto: selic, prefixado ou ipca |
| `cdbPercentCdi` | number | yes | Rentabilidade do CDB como % do CDI (ex: 110 = 110% CDI) |
| `lciPercentCdi` | number | yes | Rentabilidade da LCI como % do CDI (ex: 90 = 90% CDI) |
| `cdiAtualPercent` | number | yes | CDI atual anual em % (ex: 10.5) |
| `selicAtualPercent` | number | yes | SELIC atual anual em % (ex: 10.75) |
| `valorAplicadoCents` | integer | yes | Valor a aplicar em centavos (ex: R$ 10.000 = 1000000) |
| `ipcaProjetadoPercent` | number | yes | IPCA projetado anual em % (ex: 4.5) |
| `tesouroTaxaIpcaPercent` | number | yes | Taxa real anual do Tesouro IPCA+ em % (ex: 6.5 para IPCA+6,5%) |
| `tesouroTaxaPrefixadaPercent` | number | yes | Taxa anual do Tesouro Prefixado em % (ex: 12.5) |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "calcular_cdb_vs_lci_vs_tesouro_vs_poupanca",
    "arguments": {
      "prazoDias": 0,
      "tesouroTipo": "<tesouroTipo>",
      "cdbPercentCdi": 0,
      "lciPercentCdi": 0,
      "cdiAtualPercent": 0,
      "selicAtualPercent": 0,
      "valorAplicadoCents": 0,
      "ipcaProjetadoPercent": 0,
      "tesouroTaxaIpcaPercent": 0,
      "tesouroTaxaPrefixadaPercent": 0
    }
  }
}
```

## Why calcular_cdb_vs_lci_vs_tesouro_vs_poupanca is rated Low

This tool retrieves and calculates financial comparison data based on fixed parameters and market rates. It does not execute trades, move money, create accounts, or modify any underlying financial systems. It is purely informational/computational—a financial calculator that reads input data and produces analytical output. No irreversible changes, no external state modification, no transaction execution.

From the tool's own definition: "Tool compares and calculates returns on fixed-income investment options (CDB, LCI, Tesouro Direto, Poupança)."

Risk signals: High parameter count (10 properties)

## Use case

AI agents call calcular_cdb_vs_lci_vs_tesouro_vs_poupanca to retrieve information from Contaí — Calculadoras Fiscais Brasileiras without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Contaí — Calculadoras Fiscais Brasileiras:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "calcular_cdb_vs_lci_vs_tesouro_vs_poupanca": {}
  }
}
```

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- …and 108 more: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-lfhillesheim-contai-mcp-server · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-lfhillesheim-contai-mcp-server