# calcular_taxa_efetiva_vs_nominal

Converte taxas de juros entre diferentes formas de expressão: nominal vs efetiva, equivalência entre períodos (mensal↔anual↔diária), e % do CDI/Selic em taxa efetiva. Fórmulas: nominal→efetiva: (1 + nominal/n)^n − 1; efetiva→nominal: n×((1+ef)^(1/n)−1); equivalência: (1 + i_A)^(fA/fB) − 1. Base diária: 365 dias corridos. Útil para comparar investimentos com capitalizações diferentes, entender CDB/LCI/Tesouro, e converter rendimentos expressos em % CDI.

Agent View of the PolicyLayer registry record for `calcular_taxa_efetiva_vs_nominal`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-taxa-efetiva-vs-nominal

## Facts

- Tool: `calcular_taxa_efetiva_vs_nominal`
- 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: 8 (1 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `modo` | string | yes | Modo de conversão: "nominal_para_efetiva" (converte taxa nominal + capitalização em taxa efetiva anual), "efetiva_para_nominal" (converte taxa efetiva anual em |
| `taxaPercent` | number | no | Taxa de juros em % (percentual). Obrigatório para os modos: nominal_para_efetiva, efetiva_para_nominal, equivalencia_periodos e taxa_para_percentual. Ex: 12.5 = |
| `capitalizacao` | string | no | Frequência de capitalização da taxa nominal. Obrigatório para nominal_para_efetiva e efetiva_para_nominal: "diaria" (365x/ano), "mensal" (12x/ano), "trimestral" |
| `periodoOrigem` | string | no | Período da taxa de origem para equivalência. Obrigatório no modo equivalencia_periodos. Ex: "mensal" para converter taxa mensal em outra periodicidade |
| `periodoDestino` | string | no | Período destino da conversão para equivalência. Obrigatório no modo equivalencia_periodos. Deve ser diferente de periodoOrigem. Ex: "anual" para obter a taxa an |
| `referenciaIndex` | string | no | Índice de referência para os modos percentual_para_taxa e taxa_para_percentual: "cdi" (Certificado de Depósito Interbancário) ou "selic" (taxa básica de juros). |
| `percentualIndice` | number | no | Percentual do índice (CDI ou Selic) em %. Obrigatório no modo percentual_para_taxa. Ex: 110 = 110% do CDI |
| `indiceAnualPercent` | number | no | Taxa anual do índice (CDI ou Selic) em % ao ano. Obrigatório nos modos percentual_para_taxa e taxa_para_percentual. Ex: 10.75 = 10,75% 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_taxa_efetiva_vs_nominal",
    "arguments": {
      "modo": "<modo>"
    }
  }
}
```

## Why calcular_taxa_efetiva_vs_nominal is rated Low

This tool is a pure computational calculator that reads interest rate parameters and outputs converted rates. It performs no write operations, does not execute arbitrary code or shell commands, does not delete data, and does not move money.

From the tool's own definition: "Tool performs interest rate conversions and calculations: 'Converte taxas de juros', 'equivalência entre períodos', applies mathematical formulas like '(1 + nominal/n)^n − 1' and '(1 + i_A)^(fA/fB) − 1' to transform input parameters into outputs."

## Use case

AI agents call calcular_taxa_efetiva_vs_nominal 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_taxa_efetiva_vs_nominal": {}
  }
}
```

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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