# Investment Profitability Comparator MCP for AI Agents AI Agent Connect

> Investment Profitability Comparator lets you see the actual take-home pay on Brazilian fixed-income assets. Stop guessing which investment wins after the government takes its cut. It handles the math for CDBs, Treasury Selic, Savings, and DI Funds instantly.

## Overview
- **Category:** finance
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_UwHKyps6ZSx3C1Z4arkaUaGbaQzMCiWCue5gO8Uc/ai-agent-connect
- **Tags:** fixed-income, cdi, taxation, profitability, comparison

## Description

You're trying to figure out where to park your money, but the math gets messy once you factor in the Brazilian regressive tax. It's not just about the gross rate; it's about what hits your bank account at the end of the term. This Connector does the heavy lifting for you. Instead of opening five different tabs and running manual spreadsheets, you just tell your AI client what your goals are. You can ask for a side-by-side breakdown of different instruments or get a specific profit calculation for a single setup. It handles the duration-based tax logic automatically so you don't have to memorize the brackets. It's one of the practical tools in the Vinkius catalog that actually saves you from the headache of manual financial modeling. You get straight answers on net profitability without the spreadsheet fatigue.

## Tools

### get_tax_rate_by_duration
This tool gets the specific income tax percentage for a given duration. It helps you know the exact cut the government takes before you plan your returns.

### calculate_net_profit
This tool returns a full breakdown of gross profit, tax amount, and net profit. It's the easiest way to see what actually hits your bank account.

### compare_all_instruments
This tool provides a side-by-side comparison of all supported investments. You can see how CDB, Treasury Selic, Savings, and DI Funds stack up against each other.

## Prompt Examples

**Prompt:** 
```
Compare all investments for $10,000 over 400 days with a 12% CDI.
```

**Response:** 
```
For a $10,000 investment over 400 days at 12% CDI, here are your net results:

| Investment | Net Profit |
| :--- | :--- |
| **CDB (100% CDI)** | $1,035.20 |
| **Treasury Selic** | $1,035.20 |
| **Savings** | $850.00 |
| **DI Fund** | $1,035.20 |

*Note: These figures are net of Brazilian regressive income tax.*
```

**Prompt:** 
```
What is the tax rate for an investment held for 200 days?
```

**Response:** 
```
The applied income tax percentage for an investment held for 200 days is **17.5%**.
```

**Prompt:** 
```
Calculate net profit for $5,000 at 11% CDI for 800 days with a 100% multiplier.
```

**Response:** 
```
Here is the breakdown for your $5,000 investment:

*   **Gross Profit:** $440.00
*   **Tax Amount:** $88.00
*   **Final Net Profit:** $352.00
```

## Capabilities

### Get specific tax percentages
Retrieve the exact Brazilian income tax percentage based on how long you hold an investment.

### See full profit breakdowns
Get the gross profit, tax amount, and final net profit for any investment setup.

### Compare multiple assets
View a side-by-side comparison of CDB, Treasury Selic, Savings, and DI Funds.

### Calculate net returns
Instantly see the final amount you keep after all taxes are subtracted.

### Run duration-based modeling
See how your net profit changes as your investment horizon gets longer or shorter.

## Use Cases

### Comparing CDB vs. Treasury Selic
An investor wants to know which is better for a 1-year hold. They ask their agent to compare all instruments and see the net result for a $10,000 deposit.

### Checking tax for a specific timeframe
A user wants to know the tax for a 200-day hold. They ask the agent to find the specific rate using get_tax_rate_by_duration.

### Calculating DI Fund profit
A manager needs to know the net profit for a 100% CDI multiplier over 800 days. They ask the agent to run the calculation for $5,000.

### Quick portfolio modeling
A financial advisor needs to show a client the difference between Savings and other fixed-income assets over a 3-year period.

## Benefits

- Stop guessing on tax. The tool handles the Brazilian regressive brackets automatically so you don't have to memorize the rules.
- See the real bottom line. Use calculate_net_profit to see exactly what hits your bank account instead of just looking at the gross rate.
- Instant comparisons. Use compare_all_instruments to see how CDB, Selic, and DI Funds stack up in a single view.
- Eliminate spreadsheet errors. Let the Connector handle the math to ensure your tax calculations are always right and consistent.
- Faster what-if analysis. Quickly swap durations or CDI rates to see how your net profit shifts instantly without manual recalculations.

## How It Works

The bottom line is you get accurate net returns without doing any manual tax math.

1. Connect your AI client to the Investment Profitability Comparator.
2. Tell your agent your investment amount, duration, and target rate.
3. Get a detailed breakdown of net profits across all supported assets.

## Frequently Asked Questions

**Does Investment Profitability Comparator handle Brazilian taxes?**
Yes, it specifically calculates the Brazilian regressive income tax schedule based on your investment duration to show you the net profit.

**Can I use Investment Profitability Comparator to compare CDB and Selic?**
Absolutely. You can see a side-by-side comparison of CDB, Treasury Selic, Savings, and DI Funds to see which one pays more after taxes.

**Does Investment Profitability Comparator show me the gross profit?**
Yes, it provides a full breakdown that includes the gross profit, the specific tax amount, and the final net profit you'll actually keep.

**Is Investment Profitability Comparator good for DI Funds?**
Yes, it handles DI Funds and can calculate net profits based on specific CDI multipliers and durations.

**How accurate are the tax rates in Investment Profitability Comparator?**
It uses the standard Brazilian regressive income tax schedule. You can also ask it to pull the specific rate for any number of days you choose.

**Can I use Investment Profitability Comparator for my personal portfolio?**
It's perfect for personal use. Just tell your AI client how much you want to invest and for how long, and it will do the math for you.

**How does the tax calculation work?**
The tool uses a regressive tax table where the percentage decreases as the investment duration increases.

**Which instruments are supported?**
Supported instruments include CDB, Treasury Selic, Savings (Poupança), and DI Funds.

**Can I calculate profit for a specific amount?**
Yes, use the `calculate_net_profit` tool by providing your principal amount, days held, and CDI rate.