Investment Profitability Comparator MCP for AI. See your true net return after taxes, instantly.
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Investment Profitability Comparator compares the final, after-tax returns of common fixed-income investments like CDB, Treasury Selic, Savings, and DI Funds.
It automatically applies complex Brazilian regressive income tax rules based on how long you hold your money, giving you a clear side-by-side view of which instrument yields the best net profit.
What your AI can do
Get tax rate by duration
Determines the specific income tax percentage that applies based on how long an investment is held.
Calculate net profit
Calculates and returns a breakdown showing the total profit, the amount of tax paid, and the final net profit for any set investment.
Compare all instruments
Provides an immediate side-by-side comparison of all available fixed-income types using your specified parameters.
Get an immediate side-by-side view of CDB, Treasury Selic, Savings, and DI Funds' potential returns.
Determine the gross profit, the tax amount withheld, and the final cash you walk away with for a specific investment setup.
Find the exact income tax percentage applied to an investment based on its holding duration.
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Investment Profitability Comparator: 3 Tools Available
Use these tools to calculate precise net profits and compare various fixed-income options by factoring in holding duration tax rates.
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Add this MCP to Claude, Cursor, or Windsurf and your AI stops guessing. It gets real tools to look things up, take action, and handle the stuff you keep doing by hand.
Start using Investment Profitability Comparator on VinkiusGet Tax Rate By Duration
Determines the specific income tax percentage that applies based on how long an investment is held.
Calculate Net Profit
Calculates and returns a breakdown showing the total profit, the amount of tax paid...
Compare All Instruments
Provides an immediate side-by-side comparison of all available fixed-income types...
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This connection provides 3 powerful capabilities that interface natively with Claude, ChatGPT, Cursor, and other compatible AI platforms. No middleware. No custom integration required.
The hassle of comparing investment options used to be a headache.
Today, figuring out the best place to put your money means opening multiple browser tabs. You copy rates from one site into a spreadsheet, then cross-reference tax brackets on another government page. If you change the holding period by just a few weeks, you have to recalculate everything and hope you didn't miss which specific instrument uses which tax rule.
With this MCP, all that manual work vanishes. You tell your agent what you want to invest, and it handles every step: finding the right tax rate first, then comparing all relevant options side-by-side, giving you one definitive answer.
The Investment Profitability Comparator gives you net results.
You don't have to manually calculate the tax rate by calling `get_tax_rate_by_duration`, and then plug that number into a separate profit calculator. The MCP handles this sequence automatically, ensuring accuracy every time.
The result is immediate clarity. You instantly see which option—be it DI Funds or Treasury Selic—actually pays you the most cash after all taxes are accounted for.
What your AI can actually do with this
Figuring out which investment is actually better can be a nightmare. You run numbers on one type of bond, then you have to manually check the tax rules for another, and if you forget the holding period, your whole calculation is wrong. This MCP solves that. It provides an analytical engine designed to compare the true net profitability across multiple fixed-income types.
Instead of juggling spreadsheets and tax code articles, your agent handles the complexity. You just input the investment details—the principal amount, the duration, and the CDI rate. The system first determines the precise income tax percentage you'll face based on your holding time using the get_tax_rate_by_duration tool. Then it calculates the full profit breakdown for all supported instruments, providing a clean net result after taxes.
This entire process is exposed through Vinkius, making advanced financial analysis accessible to anyone who needs clear answers, not just raw data points.
019eec91-fab8-70f1-ba88-d33ab69ce7fc Here's how it actually works
The bottom line is you get one clean report showing which investment yields the most money after taxes.
Input your core variables: the initial capital, the anticipated term (duration), and the interest rate (CDI).
The MCP first runs a tax check using get_tax_rate_by_duration to nail down the precise income tax percentage applicable to that specific duration.
Finally, it executes all supported calculations through compare_all_instruments, presenting a clear comparison of net returns for every available instrument type.
Who is this actually for?
This MCP is built for people who manage investments and need precise, reliable numbers. It’s perfect for junior analysts comparing options or personal investors tired of guessing their actual return.
Uses this to quickly model profitability scenarios across multiple fixed-income types when advising clients.
Compares savings accounts versus structured notes to see which one provides the highest net return after all taxes are applied.
Validates portfolio options by running profitability comparisons for different asset classes, ensuring tax compliance is factored in from the start.
What Changes When You Connect
Avoid tax surprises. The get_tax_rate_by_duration tool finds the exact income tax percentage based on holding time, so you never guess what the government takes.
Get a full financial picture with one click. Running compare_all_instruments shows CDB, Treasury Selic, Savings, and DI Funds side-by-side for easy comparison.
Know exactly where your money goes. The calculate_net_profit tool breaks down the gross profit, tax amount, and final net cash you receive.
Stop cross-referencing tax codes. This MCP handles the complex rules of Brazilian regressive income tax automatically, saving hours of manual work.
Model multiple scenarios fast. You can test several investment amounts or durations without having to restart your calculations.
See it in action
Deciding between savings and bonds
A client asks, 'Is my regular savings account better than a Treasury Selic bond?' Your agent runs the comparison using compare_all_instruments for $10k over 400 days. The results show that while both have high net returns, the Savings option has significantly less capital growth due to tax structure.
Validating a short-term investment
You need to know the actual return on a bond held for only 150 days. You first use get_tax_rate_by_duration to get the immediate tax rate, then feed that result into calculate_net_profit to see the true cash payout.
Optimizing a portfolio mix
A wealth manager wants to compare CDB and DI Funds. They run compare_all_instruments, adjusting variables until they find the optimal blend that maximizes net profit while minimizing tax exposure for their client.
The honest tradeoffs
Comparing gross profits only
Looking at two instruments and just comparing their stated interest rates. This gives you a high number, but it doesn't reflect what you actually take home after taxes.
Don't stop there. You must run compare_all_instruments so the MCP calculates the net return for every option, factoring in tax deductions.
Ignoring holding duration
Using a standard profit calculator without specifying if the investment is held for 60 days or 600 days. The calculated rate will be wrong.
Always start by calling get_tax_rate_by_duration. This ensures your calculation uses the correct, duration-specific tax percentage.
Calculating profit manually
Taking the initial principal and multiplying it by an assumed rate. You skip the critical step of subtracting the required income tax.
Let calculate_net_profit handle it all. Give it the full parameters, and it returns the final net amount you can actually use.
When It Fits, When It Doesn't
Use this MCP if your core question is: 'Which fixed-income investment provides the highest after-tax return for a specific holding period?' It's essential when comparing instruments like CDB versus Treasury Selic because the tax rules are different. Don't use it, however, if you need to forecast returns on non-fixed income assets (like stocks or real estate) or if your calculation requires complex cash flow statements that track depreciation schedules. For those needs, you’ll need a dedicated financial modeling tool outside of this fixed-income comparator.
Questions you might have
How does the `compare_all_instruments` tool work? +
The MCP runs a full comparison of CDB, Treasury Selic, Savings, and DI Funds using your input parameters. It provides one single view showing the expected net profit for every supported type.
What does `get_tax_rate_by_duration` tell me? +
This tool gives you the exact income tax percentage applied to your investment based solely on how many days it is held. You need this rate before calculating the final profit.
Do I still need `calculate_net_profit` if I run a comparison? +
While compare_all_instruments provides the overview, running calculate_net_profit allows you to deep-dive into just one specific investment setup, giving you the detailed breakdown of profit and tax amount.
Does this MCP handle all types of bonds? +
No. This tool is specialized for fixed-income instruments like CDB, Treasury Selic, Savings, and DI Funds. For variable assets, you'll need a different kind of analysis.
What happens if I use `get_tax_rate_by_duration` with an invalid or zero duration? +
The tool returns a specific error message explaining the required input format. It prevents calculation failures by forcing you to specify a valid holding period in days for accurate tax assessment.
Can I use `compare_all_instruments` to compare investments denominated in currencies other than BRL? +
No. This MCP is designed exclusively for fixed-income instruments measured and compared using the Brazilian Real (BRL). Calculations are limited to local currency data.
Does `calculate_net_profit` require me to first run `get_tax_rate_by_duration`? +
No, the tool accepts duration directly in its parameters. However, using a tax rate derived from this MCP ensures consistency across all your financial calculations.
Does `compare_all_instruments` guarantee that all listed instruments are comparable? +
Yes. The MCP is built specifically to compare CDB, Treasury Selic, Savings, and DI Funds side-by-side, ensuring standardized metrics for net returns after tax.
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