# calcular_ir_sobre_investimentos

Calcula IR e IOF sobre investimentos de renda fixa (CDB, Tesouro Direto, LCI, LCA, CRI, CRA, Poupança). Tabela regressiva de IR (Lei 11.033/2004): 22,5% (≤180d) → 15% (≥721d). IOF regressivo (Decreto 6.306/2007): apenas CDB e Tesouro Direto nos primeiros 29 dias. Isenções PF: LCI, LCA, CRI, CRA incentivados, debêntures de infraestrutura e poupança. Retorna rendimento bruto, IR, IOF, rendimento líquido, valor final e taxa efetiva líquida.

Agent View of the PolicyLayer registry record for `calcular_ir_sobre_investimentos`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-ir-sobre-investimentos

## Facts

- Tool: `calcular_ir_sobre_investimentos`
- 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: 5 (4 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `produto` | string | yes | Tipo do produto de renda fixa: "cdb" (CDB — tributado, com IOF nos primeiros 29 dias), "tesouro_direto" (Tesouro Selic/Prefixado/IPCA+ — tributado, com IOF), "l |
| `prazoDias` | integer | yes | Prazo da aplicação em dias corridos (1 a 10.800). O IR diminui com o tempo (tabela regressiva): até 180d = 22,5%; 181–360d = 20%; 361–720d = 17,5%; ≥721d = 15% |
| `tipoPessoa` | string | no | Tipo de pessoa: "pf" (pessoa física — aplica isenções de LCI/LCA/CRI/CRA) ou "pj" (pessoa jurídica — todos os produtos tributados, exceto poupança). Default: "p |
| `valorAplicadoCents` | integer | yes | Valor principal aplicado em centavos. Ex: R$ 10.000 → 1000000 |
| `taxaBrutaAnualPercent` | number | yes | Taxa bruta anual do investimento em % ao ano. Ex: 12.5 = 12,5% a.a. |

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_ir_sobre_investimentos",
    "arguments": {
      "produto": "<produto>",
      "prazoDias": 0,
      "valorAplicadoCents": 0,
      "taxaBrutaAnualPercent": 0
    }
  }
}
```

## Why calcular_ir_sobre_investimentos is rated Low

This tool reads input parameters (investment type, amount, duration) and applies deterministic tax calculation formulas to return computed results. It has no side effects: it neither modifies user data, executes code/scripts, deletes records, nor moves money. The output is informational—tax liability estimates.

From the tool's own definition: "Tool description states it 'Calcula' (calculates) and 'Retorna' (returns) tax and investment metrics. The verb 'calcular' combined with 'Retorna rendimento bruto, IR, IOF, rendimento líquido, valor final' indicates the tool performs calculations and…"

## Use case

AI agents call calcular_ir_sobre_investimentos 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_ir_sobre_investimentos": {}
  }
}
```

## Other tools on Contaí — Calculadoras Fiscais Brasileiras (138)

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- `calcular_bola_de_neve_dividas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bola-de-neve-dividas.md
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- `calcular_calorias_macros` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calorias-macros.md
- `calcular_capital_de_giro_necessario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-capital-de-giro-necessario.md
- `calcular_carne_leao` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-carne-leao.md
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- `calcular_comparador_regime_tributario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-comparador-regime-tributario.md
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- `calcular_consorcio_vs_financiamento` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consorcio-vs-financiamento.md
- `calcular_consultoria_pj_saude_financeira` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consultoria-pj-saude-financeira.md
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- `calcular_conversao_moedas_iof` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-conversao-moedas-iof.md
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- `calcular_custo_efetivo_total` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-custo-efetivo-total.md
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## 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