# calcular_rentabilidade_imovel_aluguel

Calcula a rentabilidade bruta e líquida de um imóvel para aluguel, descontando IR, condomínio, IPTU, administração e manutenção. Compara o rendimento acumulado do aluguel com o rendimento do CDI no mesmo prazo. Retorna se vale a pena alugar vs investir em renda fixa e o aluguel mínimo necessário para superar o CDI (break-even).

Agent View of the PolicyLayer registry record for `calcular_rentabilidade_imovel_aluguel`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-rentabilidade-imovel-aluguel

## Facts

- Tool: `calcular_rentabilidade_imovel_aluguel`
- 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: 9 (2 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `prazoAnos` | integer | no | Prazo de análise em anos inteiros (1 a 30). Padrão: 10 anos. |
| `iptuAnualCents` | integer | no | IPTU anual do imóvel em centavos. Padrão: 0. |
| `valorImovelCents` | integer | yes | Valor total do imóvel em centavos. Ex: R$ 500.000 → 50000000. |
| `aliquotaIRAluguelPct` | number | no | Alíquota efetiva de IR sobre o aluguel (%). Padrão: 27,5% (alíquota máxima tabela progressiva). |
| `manutencaoAnualCents` | integer | no | Custo anual estimado de manutenção do imóvel em centavos. Padrão: 0. |
| `condominioMensalCents` | integer | no | Condomínio mensal em centavos (se pago pelo proprietário). Padrão: 0. |
| `taxaAdmImobiliariaPct` | number | no | Taxa de administração da imobiliária (% sobre o aluguel bruto). Padrão: 10%. |
| `aluguelBrutaMensalCents` | integer | yes | Aluguel bruto mensal recebido em centavos (antes de descontos e IR). |
| `taxaCDIReferenciaAnualPct` | number | no | Taxa CDI de referência anual (%) para comparação com aluguel. Padrão: 10,5%. |

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_rentabilidade_imovel_aluguel",
    "arguments": {
      "valorImovelCents": 0,
      "aluguelBrutaMensalCents": 0
    }
  }
}
```

## Why calcular_rentabilidade_imovel_aluguel is rated Low

This is a financial calculator that performs read-only computations on hypothetical scenarios. It retrieves no external data, creates no persistent records, modifies no financial systems, and executes no transactions. It merely processes input values through formulas to return comparative analysis.

From the tool's own definition: "Tool performs calculation and comparison operations: 'Calcula a rentabilidade bruta e líquida', 'Compara o rendimento', 'Retorna se vale a pena alugar vs investir'. No data creation, modification, deletion, or financial transaction execution occurs."

## Use case

AI agents call calcular_rentabilidade_imovel_aluguel 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_rentabilidade_imovel_aluguel": {}
  }
}
```

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

- `calcular_mensalidade_planejador` — Financial — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-mensalidade-planejador.md
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- `calcular_aluguel_reajuste` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aluguel-reajuste.md
- `calcular_aluguel_vs_compra_imovel` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aluguel-vs-compra-imovel.md
- `calcular_auditoria_beneficios_trabalhistas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auditoria-beneficios-trabalhistas.md
- `calcular_auxilio_doenca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auxilio-doenca.md
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- `calcular_bdr_vs_etf_vs_acao_direta` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bdr-vs-etf-vs-acao-direta.md
- `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_calculadora_gestacional` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-gestacional.md
- `calcular_calculadora_milhas_passagem` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-milhas-passagem.md
- `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_cdb_vs_lci_vs_tesouro_vs_poupanca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-cdb-vs-lci-vs-tesouro-vs-poupanca.md
- `calcular_comparador_regime_tributario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-comparador-regime-tributario.md
- `calcular_consorcio_credito_empresarial` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consorcio-credito-empresarial.md
- `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
- `calcular_consumo_agua` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consumo-agua.md
- `calcular_conversao_moedas_iof` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-conversao-moedas-iof.md
- `calcular_credito_pj_comparador` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-credito-pj-comparador.md
- `calcular_custo_efetivo_total` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-custo-efetivo-total.md
- …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