Guardar ou gastar?

R$ 100 guardados em jul/1994 na taxa Selic, o juro básico do país, virariam R$ 10.367,36 hoje. Pra comprar o mesmo que R$ 100 compravam naquela época bastam R$ 840,24. A diferença é o juro real: o quanto quem poupou saiu na frente de quem gastou. Na poupança, os mesmos R$ 100 virariam R$ 1.821,43.

R$ 100 de jul/1994
  • Aplicado na Selic
  • Na poupança
  • Só corrigido pela inflação
R$ 0,00R$ 5.000,00R$ 10.000,00R$ 15.000,001999200420092014201920241234567891011FHCLULADILMATEMERBOLSONAROLULA

Faixa de baixo: quem estava na Presidência. Bolinhas numeradas: acontecimentos (passe o mouse ou o dedo).

Ver em tabela
MêsAplicado na SelicNa poupançaSó corrigido pela inflação
jul/1994R$ 100,00R$ 100,00R$ 100,00
ago/1994R$ 104,17R$ 102,64R$ 101,86
set/1994R$ 108,16R$ 105,67R$ 103,42
out/1994R$ 112,08R$ 108,91R$ 106,13
nov/1994R$ 116,64R$ 112,65R$ 109,11
dez/1994R$ 121,07R$ 116,47R$ 110,98
jan/1995R$ 125,15R$ 119,51R$ 112,86
fev/1995R$ 129,22R$ 122,34R$ 114,01
mar/1995R$ 134,72R$ 125,78R$ 115,78
abr/1995R$ 140,46R$ 130,79R$ 118,59
mai/1995R$ 146,43R$ 135,71R$ 121,76
jun/1995R$ 152,35R$ 140,32R$ 124,51
jul/1995R$ 158,47R$ 145,24R$ 127,45
ago/1995R$ 164,55R$ 149,77R$ 128,71
set/1995R$ 170,02R$ 153,44R$ 129,99
out/1995R$ 175,27R$ 156,76R$ 131,82
nov/1995R$ 180,32R$ 159,81R$ 133,76
dez/1995R$ 185,33R$ 162,76R$ 135,84
jan/1996R$ 190,11R$ 165,62R$ 137,66
fev/1996R$ 194,58R$ 168,05R$ 139,08
mar/1996R$ 198,90R$ 170,27R$ 139,57
abr/1996R$ 203,02R$ 172,25R$ 141,33
mai/1996R$ 207,10R$ 174,13R$ 143,05
jun/1996R$ 211,20R$ 176,06R$ 144,75
jul/1996R$ 215,28R$ 177,98R$ 146,36
ago/1996R$ 219,52R$ 179,99R$ 147,01
set/1996R$ 223,69R$ 182,09R$ 147,23
out/1996R$ 227,85R$ 184,36R$ 147,67
nov/1996R$ 231,95R$ 186,79R$ 148,14
dez/1996R$ 236,12R$ 189,36R$ 148,84
jan/1997R$ 240,21R$ 191,72R$ 150,59
fev/1997R$ 244,22R$ 193,95R$ 151,35
mar/1997R$ 248,23R$ 196,16R$ 152,12
abr/1997R$ 252,35R$ 198,36R$ 153,46
mai/1997R$ 256,33R$ 200,62R$ 154,09
jun/1997R$ 260,46R$ 202,94R$ 154,92
jul/1997R$ 264,63R$ 205,30R$ 155,26
ago/1997R$ 268,84R$ 207,62R$ 155,23
set/1997R$ 273,11R$ 210,01R$ 155,32
out/1997R$ 277,67R$ 212,44R$ 155,68
nov/1997R$ 286,11R$ 216,78R$ 155,94
dez/1997R$ 294,61R$ 220,71R$ 156,61
jan/1998R$ 302,48R$ 224,35R$ 157,72
fev/1998R$ 308,92R$ 226,48R$ 158,45
mar/1998R$ 315,71R$ 229,66R$ 158,99
abr/1998R$ 321,11R$ 231,90R$ 159,37
mai/1998R$ 326,35R$ 234,12R$ 160,17
jun/1998R$ 331,57R$ 236,44R$ 160,20
jul/1998R$ 337,21R$ 238,93R$ 160,01
ago/1998R$ 342,20R$ 241,03R$ 159,19
set/1998R$ 350,72R$ 243,33R$ 158,84
out/1998R$ 361,03R$ 246,72R$ 158,87
nov/1998R$ 370,52R$ 249,47R$ 158,68
dez/1998R$ 379,42R$ 252,59R$ 159,21
jan/1999R$ 387,69R$ 255,16R$ 160,32
fev/1999R$ 396,91R$ 258,56R$ 162,00
mar/1999R$ 410,13R$ 262,87R$ 163,79
abr/1999R$ 419,77R$ 265,80R$ 164,70
mai/1999R$ 428,25R$ 268,67R$ 165,20
jun/1999R$ 435,40R$ 270,85R$ 165,51
jul/1999R$ 442,63R$ 273,00R$ 167,31
ago/1999R$ 449,58R$ 275,17R$ 168,25
set/1999R$ 456,28R$ 277,30R$ 168,77
out/1999R$ 462,57R$ 279,32R$ 170,78
nov/1999R$ 469,00R$ 281,28R$ 172,40
dez/1999R$ 476,51R$ 283,53R$ 173,44
jan/2000R$ 483,46R$ 285,56R$ 174,51
fev/2000R$ 490,47R$ 287,66R$ 174,74
mar/2000R$ 497,59R$ 289,74R$ 175,13
abr/2000R$ 504,05R$ 291,57R$ 175,86
mai/2000R$ 511,56R$ 293,76R$ 175,88
jun/2000R$ 518,68R$ 295,86R$ 176,28
jul/2000R$ 525,47R$ 297,80R$ 179,12
ago/2000R$ 532,88R$ 299,89R$ 181,47
set/2000R$ 539,38R$ 301,70R$ 181,88
out/2000R$ 546,34R$ 303,61R$ 182,14
nov/2000R$ 553,00R$ 305,50R$ 182,72
dez/2000R$ 559,64R$ 307,33R$ 183,80
jan/2001R$ 566,75R$ 309,29R$ 184,85
fev/2001R$ 572,53R$ 310,95R$ 185,70
mar/2001R$ 579,74R$ 313,04R$ 186,40
abr/2001R$ 586,64R$ 315,09R$ 187,49
mai/2001R$ 594,50R$ 317,25R$ 188,25
jun/2001R$ 602,05R$ 319,30R$ 189,23
jul/2001R$ 611,08R$ 321,68R$ 191,75
ago/2001R$ 620,86R$ 324,40R$ 193,09
set/2001R$ 629,06R$ 326,55R$ 193,63
out/2001R$ 638,68R$ 329,14R$ 195,24
nov/2001R$ 647,56R$ 331,42R$ 196,63
dez/2001R$ 656,56R$ 333,74R$ 197,90
jan/2002R$ 666,60R$ 336,28R$ 198,93
fev/2002R$ 674,94R$ 338,35R$ 199,65
mar/2002R$ 684,18R$ 340,64R$ 200,85
abr/2002R$ 694,31R$ 343,15R$ 202,45
mai/2002R$ 704,10R$ 345,59R$ 202,88
jun/2002R$ 713,46R$ 347,87R$ 203,73
jul/2002R$ 724,45R$ 350,54R$ 206,16
ago/2002R$ 734,88R$ 353,17R$ 207,50
set/2002R$ 745,02R$ 355,63R$ 208,99
out/2002R$ 757,32R$ 358,39R$ 211,73
nov/2002R$ 768,98R$ 361,14R$ 218,12
dez/2002R$ 782,36R$ 364,25R$ 222,70
jan/2003R$ 797,77R$ 367,86R$ 227,71
fev/2003R$ 812,37R$ 371,22R$ 231,29
mar/2003R$ 826,83R$ 374,49R$ 234,13
abr/2003R$ 842,29R$ 377,94R$ 236,40
mai/2003R$ 858,89R$ 381,59R$ 237,85
jun/2003R$ 874,86R$ 385,10R$ 237,49
jul/2003R$ 893,06R$ 389,14R$ 237,96
ago/2003R$ 908,87R$ 392,66R$ 238,77
set/2003R$ 924,13R$ 395,95R$ 240,64
out/2003R$ 939,29R$ 399,21R$ 241,33
nov/2003R$ 951,88R$ 401,92R$ 242,15
dez/2003R$ 964,92R$ 404,70R$ 243,41
jan/2004R$ 977,17R$ 407,24R$ 245,26
fev/2004R$ 987,73R$ 409,46R$ 246,76
mar/2004R$ 1.001,36R$ 412,24R$ 247,92
abr/2004R$ 1.013,17R$ 414,67R$ 248,84
mai/2004R$ 1.025,63R$ 417,38R$ 250,11
jun/2004R$ 1.038,25R$ 420,21R$ 251,88
jul/2004R$ 1.051,64R$ 423,14R$ 254,17
ago/2004R$ 1.065,21R$ 426,10R$ 255,93
set/2004R$ 1.078,52R$ 428,97R$ 256,77
out/2004R$ 1.091,57R$ 431,60R$ 257,90
nov/2004R$ 1.105,22R$ 434,25R$ 259,68
dez/2004R$ 1.121,58R$ 437,47R$ 261,91
jan/2005R$ 1.137,05R$ 440,49R$ 263,43
fev/2005R$ 1.150,93R$ 443,11R$ 264,99
mar/2005R$ 1.168,54R$ 446,50R$ 266,60
abr/2005R$ 1.185,01R$ 449,63R$ 268,92
mai/2005R$ 1.202,79R$ 453,02R$ 270,24
jun/2005R$ 1.221,91R$ 456,65R$ 270,19
jul/2005R$ 1.240,36R$ 460,12R$ 270,86
ago/2005R$ 1.260,95R$ 464,02R$ 271,32
set/2005R$ 1.279,87R$ 467,57R$ 272,27
out/2005R$ 1.297,91R$ 470,89R$ 274,31
nov/2005R$ 1.315,82R$ 474,16R$ 275,82
dez/2005R$ 1.335,17R$ 477,61R$ 276,82
jan/2006R$ 1.354,26R$ 481,12R$ 278,45
fev/2006R$ 1.369,83R$ 483,87R$ 279,59
mar/2006R$ 1.389,29R$ 487,30R$ 280,79
abr/2006R$ 1.404,29R$ 490,16R$ 281,38
mai/2006R$ 1.422,26R$ 493,54R$ 281,66
jun/2006R$ 1.439,05R$ 496,97R$ 281,07
jul/2006R$ 1.455,88R$ 500,33R$ 281,61
ago/2006R$ 1.474,23R$ 504,05R$ 281,75
set/2006R$ 1.489,85R$ 507,34R$ 282,34
out/2006R$ 1.506,09R$ 510,84R$ 283,27
nov/2006R$ 1.521,46R$ 514,05R$ 284,15
dez/2006R$ 1.536,52R$ 517,40R$ 285,51
jan/2007R$ 1.553,11R$ 521,13R$ 286,77
fev/2007R$ 1.566,63R$ 524,11R$ 288,03
mar/2007R$ 1.583,07R$ 527,72R$ 289,10
abr/2007R$ 1.597,96R$ 531,03R$ 289,82
mai/2007R$ 1.614,41R$ 534,59R$ 290,63
jun/2007R$ 1.629,11R$ 537,78R$ 291,44
jul/2007R$ 1.644,91R$ 541,26R$ 292,14
ago/2007R$ 1.661,19R$ 544,76R$ 293,52
set/2007R$ 1.674,48R$ 547,68R$ 294,05
out/2007R$ 1.690,06R$ 551,05R$ 294,93
nov/2007R$ 1.704,25R$ 554,13R$ 296,05
dez/2007R$ 1.718,57R$ 557,26R$ 298,24
jan/2008R$ 1.734,55R$ 560,61R$ 299,85
fev/2008R$ 1.748,43R$ 563,55R$ 301,32
mar/2008R$ 1.763,11R$ 566,60R$ 302,77
abr/2008R$ 1.778,98R$ 569,97R$ 304,43
mai/2008R$ 1.794,64R$ 573,25R$ 306,84
jun/2008R$ 1.811,86R$ 576,77R$ 309,11
jul/2008R$ 1.831,25R$ 580,77R$ 310,74
ago/2008R$ 1.849,93R$ 584,59R$ 311,61
set/2008R$ 1.870,28R$ 588,67R$ 312,42
out/2008R$ 1.892,35R$ 593,09R$ 313,83
nov/2008R$ 1.911,65R$ 597,02R$ 314,96
dez/2008R$ 1.933,06R$ 601,30R$ 315,84
jan/2009R$ 1.953,36R$ 605,42R$ 317,36
fev/2009R$ 1.970,16R$ 608,72R$ 319,10
mar/2009R$ 1.989,27R$ 612,64R$ 319,74
abr/2009R$ 2.005,98R$ 615,98R$ 321,28
mai/2009R$ 2.021,42R$ 619,34R$ 322,79
jun/2009R$ 2.036,79R$ 622,85R$ 323,95
jul/2009R$ 2.052,88R$ 626,62R$ 324,73
ago/2009R$ 2.067,04R$ 629,88R$ 325,21
set/2009R$ 2.081,30R$ 633,03R$ 325,99
out/2009R$ 2.095,67R$ 636,19R$ 326,91
nov/2009R$ 2.109,50R$ 639,37R$ 328,25
dez/2009R$ 2.124,90R$ 642,91R$ 329,46
jan/2010R$ 2.138,92R$ 646,13R$ 331,93
fev/2010R$ 2.151,54R$ 649,36R$ 334,52
mar/2010R$ 2.167,89R$ 653,12R$ 336,26
abr/2010R$ 2.182,42R$ 656,39R$ 338,18
mai/2010R$ 2.198,79R$ 660,00R$ 339,63
jun/2010R$ 2.216,16R$ 663,70R$ 339,63
jul/2010R$ 2.235,21R$ 667,78R$ 339,67
ago/2010R$ 2.255,11R$ 671,73R$ 339,80
set/2010R$ 2.274,28R$ 675,56R$ 341,33
out/2010R$ 2.292,70R$ 679,26R$ 343,89
nov/2010R$ 2.311,27R$ 682,89R$ 346,75
dez/2010R$ 2.332,76R$ 687,27R$ 348,93
jan/2011R$ 2.352,83R$ 691,20R$ 351,83
fev/2011R$ 2.372,59R$ 695,02R$ 354,64
mar/2011R$ 2.394,42R$ 699,34R$ 357,44
abr/2011R$ 2.414,53R$ 703,10R$ 360,19
mai/2011R$ 2.438,43R$ 707,72R$ 361,89
jun/2011R$ 2.461,84R$ 712,05R$ 362,43
jul/2011R$ 2.485,72R$ 716,49R$ 363,01
ago/2011R$ 2.512,32R$ 721,57R$ 364,35
set/2011R$ 2.535,94R$ 725,90R$ 366,28
out/2011R$ 2.558,25R$ 729,99R$ 367,86
nov/2011R$ 2.580,25R$ 734,11R$ 369,77
dez/2011R$ 2.603,73R$ 738,47R$ 371,62
jan/2012R$ 2.626,91R$ 742,80R$ 373,70
fev/2012R$ 2.646,61R$ 746,52R$ 375,38
mar/2012R$ 2.668,31R$ 751,05R$ 376,17
abr/2012R$ 2.687,26R$ 754,98R$ 378,58
mai/2012R$ 2.707,14R$ 759,11R$ 379,94
jun/2012R$ 2.724,47R$ 762,77R$ 380,25
jul/2012R$ 2.742,99R$ 766,57R$ 381,88
ago/2012R$ 2.761,92R$ 770,15R$ 383,45
set/2012R$ 2.776,83R$ 773,44R$ 385,63
out/2012R$ 2.793,77R$ 776,75R$ 387,91
nov/2012R$ 2.809,14R$ 779,96R$ 390,24
dez/2012R$ 2.824,59R$ 783,18R$ 393,32
jan/2013R$ 2.841,54R$ 786,42R$ 396,70
fev/2013R$ 2.855,46R$ 789,67R$ 399,08
mar/2013R$ 2.871,16R$ 792,93R$ 400,96
abr/2013R$ 2.888,68R$ 796,21R$ 403,16
mai/2013R$ 2.906,01R$ 799,61R$ 404,65
jun/2013R$ 2.923,74R$ 803,25R$ 405,71
jul/2013R$ 2.944,79R$ 807,08R$ 405,83
ago/2013R$ 2.965,70R$ 810,97R$ 406,80
set/2013R$ 2.986,75R$ 815,09R$ 408,23
out/2013R$ 3.010,95R$ 819,92R$ 410,55
nov/2013R$ 3.032,62R$ 824,19R$ 412,77
dez/2013R$ 3.056,58R$ 828,72R$ 416,57
jan/2014R$ 3.082,56R$ 833,80R$ 418,86
fev/2014R$ 3.106,92R$ 838,42R$ 421,75
mar/2014R$ 3.130,84R$ 842,84R$ 425,63
abr/2014R$ 3.156,51R$ 847,44R$ 428,48
mai/2014R$ 3.183,97R$ 852,19R$ 430,45
jun/2014R$ 3.210,08R$ 856,85R$ 432,17
jul/2014R$ 3.240,58R$ 862,04R$ 432,22
ago/2014R$ 3.268,77R$ 866,88R$ 433,30
set/2014R$ 3.298,52R$ 871,97R$ 435,77
out/2014R$ 3.329,85R$ 877,24R$ 437,60
nov/2014R$ 3.357,82R$ 882,05R$ 439,83
dez/2014R$ 3.390,06R$ 887,40R$ 443,26
jan/2015R$ 3.421,92R$ 892,62R$ 448,76
fev/2015R$ 3.449,98R$ 897,23R$ 454,23
mar/2015R$ 3.485,86R$ 902,88R$ 460,23
abr/2015R$ 3.518,98R$ 908,37R$ 463,49
mai/2015R$ 3.553,82R$ 913,97R$ 466,92
jun/2015R$ 3.591,84R$ 920,20R$ 470,61
jul/2015R$ 3.634,23R$ 926,93R$ 473,53
ago/2015R$ 3.674,57R$ 933,31R$ 474,57
set/2015R$ 3.715,36R$ 939,78R$ 477,13
out/2015R$ 3.756,60R$ 946,17R$ 481,05
nov/2015R$ 3.796,42R$ 952,13R$ 485,91
dez/2015R$ 3.840,45R$ 959,04R$ 490,57
jan/2016R$ 3.881,16R$ 965,11R$ 496,80
fev/2016R$ 3.919,97R$ 970,86R$ 501,27
mar/2016R$ 3.965,45R$ 977,83R$ 503,43
abr/2016R$ 4.007,48R$ 984,01R$ 506,50
mai/2016R$ 4.051,96R$ 990,44R$ 510,45
jun/2016R$ 4.098,97R$ 997,43R$ 512,23
jul/2016R$ 4.144,46R$ 1.004,04R$ 514,90
ago/2016R$ 4.195,03R$ 1.011,63R$ 517,16
set/2016R$ 4.241,59R$ 1.018,29R$ 517,58
out/2016R$ 4.286,13R$ 1.025,02R$ 518,92
nov/2016R$ 4.330,70R$ 1.031,61R$ 519,86
dez/2016R$ 4.379,21R$ 1.038,69R$ 521,42
jan/2017R$ 4.426,94R$ 1.045,66R$ 523,40
fev/2017R$ 4.465,46R$ 1.051,20R$ 525,13
mar/2017R$ 4.512,34R$ 1.058,06R$ 526,44
abr/2017R$ 4.547,99R$ 1.063,35R$ 527,18
mai/2017R$ 4.590,29R$ 1.069,49R$ 528,81
jun/2017R$ 4.627,47R$ 1.075,41R$ 527,59
jul/2017R$ 4.664,49R$ 1.081,46R$ 528,86
ago/2017R$ 4.701,80R$ 1.087,42R$ 529,86
set/2017R$ 4.731,90R$ 1.092,86R$ 530,71
out/2017R$ 4.762,18R$ 1.097,98R$ 532,94
nov/2017R$ 4.789,32R$ 1.102,68R$ 534,43
dez/2017R$ 4.815,19R$ 1.107,39R$ 536,79
jan/2018R$ 4.843,11R$ 1.111,81R$ 538,34
fev/2018R$ 4.865,88R$ 1.116,25R$ 540,06
mar/2018R$ 4.891,67R$ 1.120,55R$ 540,55
abr/2018R$ 4.917,10R$ 1.124,72R$ 541,74
mai/2018R$ 4.942,67R$ 1.128,90R$ 543,91
jun/2018R$ 4.968,37R$ 1.133,09R$ 550,76
jul/2018R$ 4.995,20R$ 1.137,30R$ 552,58
ago/2018R$ 5.023,68R$ 1.141,52R$ 552,08
set/2018R$ 5.047,29R$ 1.145,77R$ 554,73
out/2018R$ 5.074,54R$ 1.150,02R$ 557,23
nov/2018R$ 5.099,41R$ 1.154,29R$ 556,06
dez/2018R$ 5.124,39R$ 1.158,58R$ 556,89
jan/2019R$ 5.152,07R$ 1.162,89R$ 558,67
fev/2019R$ 5.177,31R$ 1.167,21R$ 561,07
mar/2019R$ 5.201,64R$ 1.171,54R$ 565,28
abr/2019R$ 5.228,69R$ 1.175,90R$ 568,50
mai/2019R$ 5.256,93R$ 1.180,26R$ 569,24
jun/2019R$ 5.281,64R$ 1.184,65R$ 569,30
jul/2019R$ 5.311,74R$ 1.189,05R$ 570,38
ago/2019R$ 5.338,30R$ 1.193,13R$ 571,01
set/2019R$ 5.362,86R$ 1.197,23R$ 570,78
out/2019R$ 5.388,60R$ 1.201,00R$ 571,35
nov/2019R$ 5.409,07R$ 1.204,45R$ 574,27
dez/2019R$ 5.429,09R$ 1.207,91R$ 580,87
jan/2020R$ 5.449,72R$ 1.211,04R$ 582,09
fev/2020R$ 5.465,52R$ 1.214,17R$ 583,55
mar/2020R$ 5.484,11R$ 1.217,14R$ 583,95
abr/2020R$ 5.499,46R$ 1.219,77R$ 582,14
mai/2020R$ 5.512,66R$ 1.222,41R$ 579,93
jun/2020R$ 5.524,24R$ 1.224,53R$ 581,44
jul/2020R$ 5.534,73R$ 1.226,12R$ 583,53
ago/2020R$ 5.543,59R$ 1.227,72R$ 584,93
set/2020R$ 5.552,46R$ 1.229,14R$ 588,68
out/2020R$ 5.561,34R$ 1.230,57R$ 593,74
nov/2020R$ 5.569,68R$ 1.231,99R$ 599,02
dez/2020R$ 5.578,60R$ 1.233,42R$ 607,11
jan/2021R$ 5.586,96R$ 1.234,85R$ 608,63
fev/2021R$ 5.594,23R$ 1.236,28R$ 613,86
mar/2021R$ 5.605,41R$ 1.237,72R$ 619,57
abr/2021R$ 5.617,19R$ 1.239,68R$ 621,49
mai/2021R$ 5.632,35R$ 1.241,66R$ 626,65
jun/2021R$ 5.649,81R$ 1.244,16R$ 629,97
jul/2021R$ 5.670,15R$ 1.247,21R$ 636,02
ago/2021R$ 5.694,53R$ 1.250,26R$ 641,55
set/2021R$ 5.719,59R$ 1.254,02R$ 648,99
out/2021R$ 5.747,62R$ 1.258,50R$ 657,11
nov/2021R$ 5.781,53R$ 1.264,06R$ 663,35
dez/2021R$ 5.826,04R$ 1.270,25R$ 668,19
jan/2022R$ 5.868,57R$ 1.277,38R$ 671,80
fev/2022R$ 5.913,18R$ 1.283,76R$ 678,59
mar/2022R$ 5.968,17R$ 1.291,44R$ 689,58
abr/2022R$ 6.017,70R$ 1.298,61R$ 696,89
mai/2022R$ 6.079,69R$ 1.307,28R$ 700,16
jun/2022R$ 6.141,70R$ 1.315,76R$ 704,85
jul/2022R$ 6.204,96R$ 1.324,50R$ 700,06
ago/2022R$ 6.277,56R$ 1.334,33R$ 697,54
set/2022R$ 6.344,73R$ 1.343,42R$ 695,52
out/2022R$ 6.409,44R$ 1.352,15R$ 699,62
nov/2022R$ 6.474,82R$ 1.360,96R$ 702,49
dez/2022R$ 6.547,34R$ 1.370,60R$ 706,85
jan/2023R$ 6.620,67R$ 1.380,32R$ 710,59
fev/2023R$ 6.681,58R$ 1.388,37R$ 716,56
mar/2023R$ 6.759,75R$ 1.398,65R$ 721,65
abr/2023R$ 6.821,94R$ 1.406,80R$ 726,05
mai/2023R$ 6.898,35R$ 1.416,87R$ 727,72
jun/2023R$ 6.972,16R$ 1.426,51R$ 727,14
jul/2023R$ 7.046,76R$ 1.435,91R$ 728,01
ago/2023R$ 7.127,09R$ 1.446,21R$ 729,69
set/2023R$ 7.196,23R$ 1.455,08R$ 731,58
out/2023R$ 7.268,19R$ 1.463,90R$ 733,34
nov/2023R$ 7.335,06R$ 1.472,36R$ 735,39
dez/2023R$ 7.400,34R$ 1.480,75R$ 739,51
jan/2024R$ 7.472,12R$ 1.489,45R$ 742,62
fev/2024R$ 7.531,90R$ 1.497,02R$ 748,78
mar/2024R$ 7.594,41R$ 1.505,00R$ 749,98
abr/2024R$ 7.662,00R$ 1.514,07R$ 752,83
mai/2024R$ 7.725,60R$ 1.522,97R$ 756,29
jun/2024R$ 7.786,63R$ 1.531,14R$ 757,88
jul/2024R$ 7.857,49R$ 1.539,93R$ 760,76
ago/2024R$ 7.925,85R$ 1.548,73R$ 760,61
set/2024R$ 7.992,43R$ 1.557,52R$ 763,95
out/2024R$ 8.066,76R$ 1.566,84R$ 768,23
nov/2024R$ 8.130,48R$ 1.575,69R$ 771,23
dez/2024R$ 8.206,10R$ 1.584,87R$ 775,24
jan/2025R$ 8.288,98R$ 1.595,49R$ 776,48
fev/2025R$ 8.371,04R$ 1.605,59R$ 786,65
mar/2025R$ 8.451,40R$ 1.615,38R$ 791,06
abr/2025R$ 8.540,99R$ 1.626,20R$ 794,46
mai/2025R$ 8.638,35R$ 1.637,13R$ 796,52
jun/2025R$ 8.733,38R$ 1.648,11R$ 798,43
jul/2025R$ 8.845,16R$ 1.659,26R$ 800,51
ago/2025R$ 8.947,77R$ 1.670,43R$ 799,63
set/2025R$ 9.056,93R$ 1.681,71R$ 803,47
out/2025R$ 9.172,86R$ 1.693,09R$ 804,19
nov/2025R$ 9.269,17R$ 1.704,33R$ 805,64
dez/2025R$ 9.382,26R$ 1.715,84R$ 808,30
jan/2026R$ 9.491,09R$ 1.727,38R$ 810,96
fev/2026R$ 9.586,00R$ 1.738,11R$ 816,64
mar/2026R$ 9.701,99R$ 1.749,83R$ 823,83
abr/2026R$ 9.807,74R$ 1.761,53R$ 829,35
mai/2026R$ 9.912,69R$ 1.773,33R$ 834,16
jun/2026R$ 10.023,71R$ 1.785,24R$ 835,49
jul/2026R$ 10.146,00R$ 1.797,27R$ 836,08
ago/2026R$ 10.256,59R$ 1.809,31R$ 833,40
set/2026R$ 10.367,36R$ 1.821,43R$ 840,24
Selic e inflação, em % ao ano
  • Selic (taxa do mês, ao ano)
  • Inflação dos últimos 12 meses
0,0%20,0%40,0%60,0%80,0%19992004200920142019202412345678910FHCLULADILMATEMERBOLSONAROLULA

Faixa de baixo: quem estava na Presidência. Bolinhas numeradas: acontecimentos (passe o mouse ou o dedo).

Ver em tabela
MêsSelic (taxa do mês, ao ano)Inflação dos últimos 12 meses
ago/199463,3%–
set/199457,0%–
out/199453,2%–
nov/199461,4%–
dez/199456,4%–
jan/199548,8%–
fev/199546,8%–
mar/199565,0%–
abr/199565,0%–
mai/199564,8%–
jun/199560,8%–
jul/199560,5%27,5%
ago/199557,2%26,4%
set/199548,0%25,7%
out/199544,1%24,2%
nov/199540,6%22,6%
dez/199539,0%22,4%
jan/199635,8%22,0%
fev/199632,1%22,0%
mar/199630,1%20,5%
abr/199627,9%19,2%
mai/199627,0%17,5%
jun/199626,5%16,3%
jul/199625,8%14,8%
ago/199626,4%14,2%
set/199625,3%13,3%
out/199624,8%12,0%
nov/199623,9%10,8%
dez/199623,9%9,6%
jan/199722,9%9,4%
fev/199722,0%8,8%
mar/199721,6%9,0%
abr/199721,8%8,6%
mai/199720,7%7,7%
jun/199721,1%7,0%
jul/199721,0%6,1%
ago/199720,8%5,6%
set/199720,8%5,5%
out/199722,0%5,4%
nov/199743,2%5,3%
dez/199742,1%5,2%
jan/199837,2%4,7%
fev/199828,8%4,7%
mar/199829,8%4,5%
abr/199822,6%3,9%
mai/199821,4%3,9%
jun/199821,0%3,4%
jul/199822,4%3,1%
ago/199819,3%2,6%
set/199834,3%2,3%
out/199841,6%2,1%
nov/199836,6%1,8%
dez/199832,9%1,7%
jan/199929,5%1,6%
fev/199932,6%2,2%
mar/199948,2%3,0%
abr/199932,1%3,3%
mai/199927,1%3,1%
jun/199922,0%3,3%
jul/199921,8%4,6%
ago/199920,6%5,7%
set/199919,4%6,3%
out/199917,9%7,5%
nov/199918,0%8,6%
dez/199921,0%8,9%
jan/200019,0%8,9%
fev/200018,9%7,9%
mar/200018,9%6,9%
abr/200016,8%6,8%
mai/200019,4%6,5%
jun/200018,0%6,5%
jul/200016,9%7,1%
ago/200018,3%7,9%
set/200015,7%7,8%
out/200016,6%6,7%
nov/200015,7%6,0%
dez/200015,4%6,0%
jan/200116,4%5,9%
fev/200113,0%6,3%
mar/200116,2%6,4%
abr/200115,3%6,6%
mai/200117,3%7,0%
jun/200116,4%7,3%
jul/200119,6%7,1%
ago/200121,0%6,4%
set/200117,0%6,5%
out/200120,0%7,2%
nov/200118,0%7,6%
dez/200118,0%7,7%
jan/200220,0%7,6%
fev/200216,1%7,5%
mar/200217,7%7,7%
abr/200219,3%8,0%
mai/200218,3%7,8%
jun/200217,2%7,7%
jul/200220,1%7,5%
ago/200218,7%7,5%
set/200217,9%7,9%
out/200221,7%8,4%
nov/200220,1%10,9%
dez/200223,0%12,5%
jan/200326,4%14,5%
fev/200324,3%15,8%
mar/200323,6%16,6%
abr/200324,9%16,8%
mai/200326,4%17,2%
jun/200324,8%16,6%
jul/200328,0%15,4%
ago/200323,4%15,1%
set/200322,1%15,1%
out/200321,6%14,0%
nov/200317,3%11,0%
dez/200317,7%9,3%
jan/200416,4%7,7%
fev/200413,8%6,7%
mar/200417,9%5,9%
abr/200415,1%5,3%
mai/200415,8%5,2%
jun/200415,8%6,1%
jul/200416,6%6,8%
ago/200416,6%7,2%
set/200416,1%6,7%
out/200415,5%6,9%
nov/200416,1%7,2%
dez/200419,3%7,6%
jan/200517,9%7,4%
fev/200515,7%7,4%
mar/200520,0%7,5%
abr/200518,3%8,1%
mai/200519,6%8,1%
jun/200520,8%7,3%
jul/200519,7%6,6%
ago/200521,8%6,0%
set/200519,6%6,0%
out/200518,3%6,4%
nov/200517,9%6,2%
dez/200519,1%5,7%
jan/200618,6%5,7%
fev/200614,7%5,5%
mar/200618,4%5,3%
abr/200613,8%4,6%
mai/200616,5%4,2%
jun/200615,1%4,0%
jul/200615,0%4,0%
ago/200616,2%3,8%
set/200613,5%3,7%
out/200613,9%3,3%
nov/200613,0%3,0%
dez/200612,5%3,1%
jan/200713,8%3,0%
fev/200711,0%3,0%
mar/200713,4%3,0%
abr/200711,9%3,0%
mai/200713,1%3,2%
jun/200711,5%3,7%
jul/200712,3%3,7%
ago/200712,5%4,2%
set/200710,0%4,1%
out/200711,7%4,1%
nov/200710,6%4,2%
dez/200710,6%4,5%
jan/200811,7%4,6%
fev/200810,0%4,6%
mar/200810,6%4,7%
abr/200811,4%5,0%
mai/200811,1%5,6%
jun/200812,1%6,1%
jul/200813,6%6,4%
ago/200813,0%6,2%
set/200814,0%6,3%
out/200815,1%6,4%
nov/200813,0%6,4%
dez/200814,3%5,9%
jan/200913,4%5,8%
fev/200910,8%5,9%
mar/200912,3%5,6%
abr/200910,6%5,5%
mai/20099,6%5,2%
jun/20099,5%4,8%
jul/20099,9%4,5%
ago/20098,6%4,4%
set/20098,6%4,3%
out/20098,6%4,2%
nov/20098,2%4,2%
dez/20099,1%4,3%
jan/20108,2%4,6%
fev/20107,3%4,8%
mar/20109,5%5,2%
abr/20108,3%5,3%
mai/20109,4%5,2%
jun/20109,9%4,8%
jul/201010,8%4,6%
ago/201011,2%4,5%
set/201010,7%4,7%
out/201010,2%5,2%
nov/201010,2%5,6%
dez/201011,7%5,9%
jan/201110,8%6,0%
fev/201110,6%6,0%
mar/201111,6%6,3%
abr/201110,6%6,5%
mai/201112,5%6,6%
jun/201112,1%6,7%
jul/201112,3%6,9%
ago/201113,6%7,2%
set/201111,9%7,3%
out/201111,1%7,0%
nov/201110,8%6,6%
dez/201111,5%6,5%
jan/201211,2%6,2%
fev/20129,4%5,8%
mar/201210,3%5,2%
abr/20128,9%5,1%
mai/20129,3%5,0%
jun/20128,0%4,9%
jul/20128,5%5,2%
ago/20128,6%5,2%
set/20126,7%5,3%
out/20127,6%5,5%
nov/20126,8%5,5%
dez/20126,8%5,8%
jan/20137,4%6,2%
fev/20136,0%6,3%
mar/20136,8%6,6%
abr/20137,6%6,5%
mai/20137,4%6,5%
jun/20137,6%6,7%
jul/20139,0%6,3%
ago/20138,9%6,1%
set/20138,9%5,9%
out/201310,2%5,8%
nov/20139,0%5,8%
dez/20139,9%5,9%
jan/201410,7%5,6%
fev/20149,9%5,7%
mar/20149,6%6,2%
abr/201410,3%6,3%
mai/201411,0%6,4%
jun/201410,3%6,5%
jul/201412,0%6,5%
ago/201411,0%6,5%
set/201411,5%6,7%
out/201412,0%6,6%
nov/201410,6%6,6%
dez/201412,1%6,4%
jan/201511,9%7,1%
fev/201510,3%7,7%
mar/201513,2%8,1%
abr/201512,0%8,2%
mai/201512,5%8,5%
jun/201513,6%8,9%
jul/201515,1%9,6%
ago/201514,2%9,5%
set/201514,2%9,5%
out/201514,2%9,9%
nov/201513,5%10,5%
dez/201514,8%10,7%
jan/201613,5%10,7%
fev/201612,7%10,4%
mar/201614,8%9,4%
abr/201613,5%9,3%
mai/201614,2%9,3%
jun/201614,8%8,8%
jul/201614,2%8,7%
ago/201615,7%9,0%
set/201614,2%8,5%
out/201613,4%7,9%
nov/201613,2%7,0%
dez/201614,3%6,3%
jan/201713,9%5,4%
fev/201711,0%4,8%
mar/201713,4%4,6%
abr/20179,9%4,1%
mai/201711,7%3,6%
jun/201710,2%3,0%
jul/201710,0%2,7%
ago/201710,0%2,5%
set/20178,0%2,5%
out/20178,0%2,7%
nov/20177,1%2,8%
dez/20176,7%2,9%
jan/20187,2%2,9%
fev/20185,8%2,8%
mar/20186,5%2,7%
abr/20186,4%2,8%
mai/20186,4%2,9%
jun/20186,4%4,4%
jul/20186,7%4,5%
ago/20187,1%4,2%
set/20185,8%4,5%
out/20186,7%4,6%
nov/20186,0%4,0%
dez/20186,0%3,7%
jan/20196,7%3,8%
fev/20196,0%3,9%
mar/20195,8%4,6%
abr/20196,4%4,9%
mai/20196,7%4,7%
jun/20195,8%3,4%
jul/20197,1%3,2%
ago/20196,2%3,4%
set/20195,7%2,9%
out/20195,9%2,5%
nov/20194,7%3,3%
dez/20194,5%4,3%
jan/20204,7%4,2%
fev/20203,5%4,0%
mar/20204,2%3,3%
abr/20203,4%2,4%
mai/20202,9%1,9%
jun/20202,5%2,1%
jul/20202,3%2,3%
ago/20201,9%2,4%
set/20201,9%3,1%
out/20201,9%3,9%
nov/20201,8%4,3%
dez/20201,9%4,5%
jan/20211,8%4,6%
fev/20211,6%5,2%
mar/20212,4%6,1%
abr/20212,5%6,8%
mai/20213,3%8,1%
jun/20213,8%8,3%
jul/20214,4%9,0%
ago/20215,3%9,7%
set/20215,4%10,2%
out/20216,0%10,7%
nov/20217,3%10,7%
dez/20219,6%10,1%
jan/20229,1%10,4%
fev/20229,5%10,5%
mar/202211,7%11,3%
abr/202210,4%12,1%
mai/202213,1%11,7%
jun/202213,0%11,9%
jul/202213,1%10,1%
ago/202215,0%8,7%
set/202213,6%7,2%
out/202213,0%6,5%
nov/202213,0%5,9%
dez/202214,3%5,8%
jan/202314,3%5,8%
fev/202311,6%5,6%
mar/202315,0%4,7%
abr/202311,6%4,2%
mai/202314,3%3,9%
jun/202313,6%3,2%
jul/202313,6%4,0%
ago/202314,6%4,6%
set/202312,3%5,2%
out/202312,7%4,8%
nov/202311,6%4,7%
dez/202311,2%4,6%
jan/202412,3%4,5%
fev/202410,0%4,5%
mar/202410,4%3,9%
abr/202411,2%3,7%
mai/202410,4%3,9%
jun/20249,9%4,2%
jul/202411,5%4,5%
ago/202411,0%4,2%
set/202410,6%4,4%
out/202411,7%4,8%
nov/20249,9%4,9%
dez/202411,7%4,8%
jan/202512,8%4,6%
fev/202512,5%5,1%
mar/202512,1%5,5%
abr/202513,5%5,5%
mai/202514,6%5,3%
jun/202514,0%5,4%
jul/202516,5%5,2%
ago/202514,8%5,1%
set/202515,7%5,2%
out/202516,5%4,7%
nov/202513,4%4,5%
dez/202515,7%4,3%
jan/202614,8%4,4%
fev/202612,7%3,8%
mar/202615,5%4,1%
abr/202613,9%4,4%
mai/202613,6%4,7%
jun/202614,3%4,6%
jul/202615,7%4,4%
ago/202613,9%4,2%
set/202613,8%4,6%
AnoSelicInflaçãoJuro real
1995+53,08%+22,41%+25,06%
1996+27,41%+9,56%+16,28%
1997+24,77%+5,22%+18,57%
1998+28,79%+1,66%+26,69%
1999+25,59%+8,94%+15,28%
2000+17,45%+5,97%+10,83%
2001+17,32%+7,67%+8,96%
2002+19,16%+12,53%+5,89%
2003+23,33%+9,30%+12,84%
2004+16,24%+7,60%+8,02%
2005+19,04%+5,69%+12,64%
2006+15,08%+3,14%+11,58%
2007+11,85%+4,46%+7,08%
2008+12,48%+5,90%+6,21%
2009+9,92%+4,31%+5,38%
2010+9,78%+5,91%+3,66%
2011+11,62%+6,50%+4,80%
2012+8,48%+5,84%+2,50%
2013+8,21%+5,91%+2,17%
2014+10,91%+6,41%+4,23%
2015+13,29%+10,67%+2,36%
2016+14,03%+6,29%+7,28%
2017+9,96%+2,95%+6,81%
2018+6,42%+3,75%+2,58%
2019+5,95%+4,31%+1,57%
2020+2,75%+4,52%-1,69%
2021+4,44%+10,06%-5,11%
2022+12,38%+5,78%+6,23%
2023+13,03%+4,62%+8,04%
2024+10,89%+4,83%+5,78%
2025+14,33%+4,26%+9,66%
2026 (até set/2026)+10,50%+3,95%+6,30%

Selic acumulada no mês, sem descontar imposto de renda nem taxas. O que sobra de verdade é um pouco menos. A poupança não paga imposto.

E quem deve?

O juro que o banco cobra de quem pega emprestado é muito maior que a Selic. Com a taxa média de ago/2026, R$ 1.000 esquecidos por um ano no cheque especial viram R$ 2.364,10. No rotativo do cartão, R$ 5.448,90. As famílias devem 50% do que ganham num ano inteiro, e 29% da renda de cada mês vai pra pagar dívida.

Juros que o banco cobra da pessoa física, em % ao ano
  • Cartão rotativo (desde 2011)
  • Cheque especial
  • Crédito pessoal
0,0%200,0%400,0%600,0%1999200420092014201920241234567891011FHCLULADILMATEMERBOLSONAROLULA

Faixa de baixo: quem estava na Presidência. Bolinhas numeradas: acontecimentos (passe o mouse ou o dedo).

Ver em tabela
MêsCartão rotativo (desde 2011)Cheque especialCrédito pessoal
jul/1994–294,0%243,5%
ago/1994–245,5%188,1%
set/1994–250,2%199,4%
out/1994–264,8%211,7%
nov/1994–285,9%226,6%
dez/1994–280,9%218,3%
jan/1995–272,9%214,8%
fev/1995–274,5%221,9%
mar/1995–274,6%235,1%
abr/1995–288,0%251,7%
mai/1995–286,2%230,5%
jun/1995–283,8%220,1%
jul/1995–276,1%209,4%
ago/1995–268,1%210,6%
set/1995–271,5%205,6%
out/1995–253,1%197,4%
nov/1995–251,7%193,6%
dez/1995–242,2%183,2%
jan/1996–216,0%163,7%
fev/1996–217,7%152,9%
mar/1996–217,7%142,6%
abr/1996–212,3%138,0%
mai/1996–198,3%133,7%
jun/1996–193,7%131,3%
jul/1996–174,4%125,7%
ago/1996–175,1%120,5%
set/1996–175,5%120,5%
out/1996–150,0%109,8%
nov/1996–153,2%107,6%
dez/1996–147,1%111,3%
jan/1997–142,1%111,3%
fev/1997–166,3%109,4%
mar/1997–158,2%107,1%
abr/1997–146,3%99,1%
mai/1997–160,4%103,4%
jun/1997–153,6%103,9%
jul/1997–146,1%103,1%
ago/1997–154,6%104,1%
set/1997–150,0%101,6%
out/1997–144,9%102,5%
nov/1997–190,8%134,5%
dez/1997–181,8%135,5%
jan/1998–184,7%135,0%
fev/1998–208,3%133,8%
mar/1998–174,3%123,2%
abr/1998–192,6%120,5%
mai/1998–178,8%115,9%
jun/1998–173,4%116,2%
jul/1998–153,7%109,1%
ago/1998–155,7%103,8%
set/1998–168,0%117,7%
out/1998–180,3%123,8%
nov/1998–184,3%120,1%
dez/1998–175,4%120,0%
jan/1999–180,1%119,9%
fev/1999–204,3%127,3%
mar/1999–173,5%126,0%
abr/1999–193,7%119,4%
mai/1999–173,3%109,7%
jun/1999–167,8%101,8%
jul/1999–162,6%102,0%
ago/1999–157,0%100,5%
set/1999–161,6%97,9%
out/1999–162,3%94,0%
nov/1999–153,9%90,3%
dez/1999–138,8%86,6%
jan/2000–144,9%75,6%
fev/2000–152,7%76,5%
mar/2000–144,8%68,9%
abr/2000–152,3%68,1%
mai/2000–141,9%66,7%
jun/2000–163,3%70,1%
jul/2000–156,8%70,6%
ago/2000–151,3%69,9%
set/2000–151,8%71,6%
out/2000–151,3%72,5%
nov/2000–153,8%72,0%
dez/2000–152,7%67,7%
jan/2001–152,6%67,3%
fev/2001–150,4%70,9%
mar/2001–148,8%68,4%
abr/2001–145,1%73,1%
mai/2001–145,7%72,1%
jun/2001–147,1%74,4%
jul/2001–150,0%78,6%
ago/2001–158,8%83,1%
set/2001–159,9%86,2%
out/2001–160,3%89,2%
nov/2001–160,5%87,5%
dez/2001–160,2%84,3%
jan/2002–160,1%84,7%
fev/2002–160,4%83,7%
mar/2002–159,6%83,6%
abr/2002–159,7%83,1%
mai/2002–158,4%82,0%
jun/2002–158,8%80,8%
jul/2002–158,8%82,8%
ago/2002–158,1%83,7%
set/2002–158,4%85,4%
out/2002–158,5%88,8%
nov/2002–160,9%93,3%
dez/2002–163,9%91,8%
jan/2003–171,5%95,3%
fev/2003–173,1%98,9%
mar/2003–177,9%100,6%
abr/2003–178,5%98,7%
mai/2003–177,6%98,1%
jun/2003–177,0%96,6%
jul/2003–173,9%91,7%
ago/2003–163,9%87,5%
set/2003–152,2%83,9%
out/2003–147,4%83,3%
nov/2003–146,5%82,0%
dez/2003–144,6%80,3%
jan/2004–143,5%79,1%
fev/2004–142,9%76,6%
mar/2004–142,0%76,5%
abr/2004–140,2%75,3%
mai/2004–140,5%72,7%
jun/2004–140,3%71,9%
jul/2004–140,1%71,7%
ago/2004–140,6%73,8%
set/2004–140,6%73,9%
out/2004–141,1%71,9%
nov/2004–142,0%70,9%
dez/2004–144,0%68,4%
jan/2005–144,6%71,2%
fev/2005–146,4%70,0%
mar/2005–146,1%68,7%
abr/2005–147,6%68,7%
mai/2005–147,6%69,9%
jun/2005–148,0%68,6%
jul/2005–148,0%69,4%
ago/2005–148,5%69,5%
set/2005–148,8%70,6%
out/2005–148,6%70,3%
nov/2005–149,2%68,7%
dez/2005–147,5%67,3%
jan/2006–147,8%68,9%
fev/2006–146,8%68,6%
mar/2006–146,4%67,8%
abr/2006–145,4%65,3%
mai/2006–145,4%62,3%
jun/2006–145,1%62,2%
jul/2006–144,1%59,8%
ago/2006–143,6%59,1%
set/2006–143,5%58,9%
out/2006–142,6%58,6%
nov/2006–142,8%58,6%
dez/2006–142,0%57,2%
jan/2007–141,9%57,2%
fev/2007–141,2%54,5%
mar/2007–140,8%53,4%
abr/2007–140,9%52,5%
mai/2007–140,3%51,7%
jun/2007–139,7%51,1%
jul/2007–139,2%50,6%
ago/2007–139,5%49,9%
set/2007–140,0%49,4%
out/2007–139,1%48,9%
nov/2007–138,7%46,8%
dez/2007–138,1%45,8%
jan/2008–145,5%53,1%
fev/2008–146,0%52,6%
mar/2008–149,8%50,5%
abr/2008–152,7%50,6%
mai/2008–157,1%48,4%
jun/2008–159,1%51,4%
jul/2008–162,7%53,6%
ago/2008–166,4%54,5%
set/2008–170,2%56,3%
out/2008–170,3%57,4%
nov/2008–174,7%59,9%
dez/2008–174,9%60,4%
jan/2009–172,0%56,5%
fev/2009–166,7%54,5%
mar/2009–169,1%50,8%
abr/2009–166,3%48,8%
mai/2009–167,8%46,6%
jun/2009–167,0%45,6%
jul/2009–167,3%44,8%
ago/2009–161,0%44,3%
set/2009–162,7%44,7%
out/2009–160,0%45,7%
nov/2009–163,3%43,6%
dez/2009–159,1%44,4%
jan/2010–161,1%44,8%
fev/2010–159,5%43,8%
mar/2010–160,3%42,7%
abr/2010–161,3%42,9%
mai/2010–160,3%43,0%
jun/2010–165,1%42,0%
jul/2010–167,3%42,2%
ago/2010–165,6%42,0%
set/2010–167,2%41,6%
out/2010–163,6%43,6%
nov/2010–169,4%42,0%
dez/2010–170,7%44,1%
jan/2011–172,6%48,3%
fev/2011–167,4%48,0%
mar/2011268,0%145,3%42,9%
abr/2011277,1%148,2%44,2%
mai/2011279,0%149,7%44,4%
jun/2011276,1%150,7%44,3%
jul/2011276,7%151,5%44,8%
ago/2011284,5%151,3%44,3%
set/2011307,7%151,3%44,4%
out/2011312,1%151,7%45,1%
nov/2011303,3%152,5%43,4%
dez/2011293,5%150,9%42,4%
jan/2012302,0%150,7%44,8%
fev/2012293,0%150,6%45,2%
mar/2012306,5%151,0%43,9%
abr/2012319,0%144,2%41,4%
mai/2012306,7%139,9%39,3%
jun/2012311,5%138,3%38,2%
jul/2012295,2%126,2%38,6%
ago/2012286,6%124,3%38,0%
set/2012276,0%124,2%37,8%
out/2012267,1%123,3%37,8%
nov/2012263,0%123,0%37,1%
dez/2012258,0%121,9%36,9%
jan/2013250,2%122,4%37,4%
fev/2013254,5%122,6%38,0%
mar/2013252,6%122,1%37,3%
abr/2013254,9%121,6%36,9%
mai/2013254,5%121,1%36,8%
jun/2013255,4%121,8%38,1%
jul/2013260,5%122,0%39,8%
ago/2013260,7%122,6%39,8%
set/2013263,2%125,5%40,4%
out/2013267,2%126,4%42,3%
nov/2013272,6%127,5%41,8%
dez/2013286,0%129,2%41,4%
jan/2014282,2%134,9%43,0%
fev/2014292,9%137,1%44,2%
mar/2014290,6%139,3%44,0%
abr/2014277,4%141,4%45,3%
mai/2014280,3%147,7%45,0%
jun/2014286,1%150,5%45,7%
jul/2014285,8%152,4%45,9%
ago/2014293,3%153,2%45,5%
set/2014284,5%159,8%44,5%
out/2014300,7%163,2%46,1%
nov/2014312,8%166,3%46,0%
dez/2014320,6%174,6%45,4%
jan/2015326,7%181,3%47,1%
fev/2015333,7%186,0%47,5%
mar/2015335,6%191,3%46,5%
abr/2015336,0%196,5%48,9%
mai/2015355,1%202,3%48,8%
jun/2015376,3%209,7%49,1%
jul/2015398,1%213,8%50,0%
ago/2015401,4%218,9%50,9%
set/2015415,0%228,9%50,2%
out/2015400,0%241,5%53,3%
nov/2015422,5%247,8%51,4%
dez/2015430,8%251,1%50,8%
jan/2016447,8%256,0%51,3%
fev/2016454,3%255,9%52,4%
mar/2016457,9%263,0%53,4%
abr/2016463,1%269,0%54,4%
mai/2016474,7%270,2%54,2%
jun/2016470,6%273,2%53,4%
jul/2016469,8%276,8%53,8%
ago/2016482,7%281,5%53,7%
set/2016491,3%281,4%54,2%
out/2016484,0%285,2%54,6%
nov/2016494,8%284,6%54,5%
dez/2016497,7%282,6%54,2%
jan/2017497,5%281,9%54,2%
fev/2017487,8%279,2%54,1%
mar/2017490,3%282,5%52,4%
abr/2017424,4%282,3%50,2%
mai/2017358,8%279,6%50,4%
jun/2017383,2%276,8%48,6%
jul/2017424,9%275,5%50,6%
ago/2017428,0%272,4%49,4%
set/2017348,7%276,4%48,5%
out/2017354,9%277,4%49,1%
nov/2017359,2%276,4%47,4%
dez/2017352,7%273,2%44,3%
jan/2018341,8%276,1%46,2%
fev/2018347,1%274,5%46,9%
mar/2018348,6%276,1%46,8%
abr/2018349,7%274,1%46,6%
mai/2018315,4%266,3%44,3%
jun/2018297,9%260,4%44,0%
jul/2018280,0%258,3%44,7%
ago/2018283,4%257,5%45,0%
set/2018284,2%255,5%45,1%
out/2018282,6%257,4%45,8%
nov/2018288,4%261,3%45,3%
dez/2018292,9%261,8%41,8%
jan/2019288,6%267,3%43,9%
fev/2019297,1%265,6%45,4%
mar/2019301,1%271,7%45,4%
abr/2019298,2%275,2%46,0%
mai/2019299,8%272,7%44,5%
jun/2019300,6%272,5%44,5%
jul/2019300,4%269,6%44,0%
ago/2019306,2%255,4%43,2%
set/2019307,0%245,7%41,7%
out/2019315,5%260,4%38,2%
nov/2019315,9%264,0%38,8%
dez/2019316,9%247,6%36,8%
jan/2020314,6%140,8%39,3%
fev/2020321,7%130,6%40,1%
mar/2020327,3%130,6%37,4%
abr/2020313,5%119,6%34,7%
mai/2020302,5%116,2%34,6%
jun/2020288,2%112,6%33,8%
jul/2020307,9%111,7%32,6%
ago/2020305,7%112,2%30,0%
set/2020307,0%114,0%29,4%
out/2020314,9%112,3%31,7%
nov/2020320,8%113,5%31,6%
dez/2020328,2%115,6%30,2%
jan/2021329,7%120,3%33,1%
fev/2021327,0%125,5%33,1%
mar/2021335,9%122,3%33,6%
abr/2021336,4%124,3%34,4%
mai/2021329,9%123,0%32,8%
jun/2021329,1%125,6%32,6%
jul/2021331,2%124,0%32,1%
ago/2021335,5%125,1%33,2%
set/2021338,7%129,6%33,1%
out/2021342,2%128,2%35,4%
nov/2021343,7%129,7%36,3%
dez/2021347,4%127,9%37,6%
jan/2022346,3%125,7%37,7%
fev/2022355,2%132,5%38,8%
mar/2022359,1%127,8%40,7%
abr/2022364,0%132,7%40,0%
mai/2022368,8%127,9%40,6%
jun/2022370,4%129,2%41,3%
jul/2022394,9%127,4%41,2%
ago/2022399,6%128,4%41,0%
set/2022390,9%134,3%40,2%
out/2022409,5%133,4%42,4%
nov/2022396,3%133,8%42,0%
dez/2022411,9%132,1%40,9%
jan/2023415,7%131,1%41,7%
fev/2023420,4%134,7%42,2%
mar/2023433,3%130,4%42,2%
abr/2023447,3%133,5%43,1%
mai/2023454,0%130,8%42,9%
jun/2023435,8%134,6%42,8%
jul/2023441,3%132,0%42,6%
ago/2023445,5%131,9%42,2%
set/2023441,1%133,9%41,9%
out/2023444,9%131,6%41,2%
nov/2023434,8%132,5%42,3%
dez/2023442,1%128,1%42,2%
jan/2024419,2%125,8%41,2%
fev/2024412,1%132,1%41,4%
mar/2024421,3%128,1%42,4%
abr/2024423,4%130,6%42,3%
mai/2024422,4%131,9%42,2%
jun/2024428,7%131,3%42,3%
jul/2024432,2%131,6%43,2%
ago/2024426,9%132,9%42,1%
set/2024438,4%136,3%42,2%
out/2024438,9%135,5%43,5%
nov/2024445,9%138,2%44,4%
dez/2024451,6%134,8%45,9%
jan/2025450,7%135,5%45,9%
fev/2025455,7%142,2%48,3%
mar/2025457,5%132,2%48,4%
abr/2025456,9%137,4%49,4%
mai/2025459,8%134,9%48,9%
jun/2025454,2%135,7%50,2%
jul/2025452,7%138,2%49,2%
ago/2025453,6%138,2%49,3%
set/2025448,1%140,7%49,1%
out/2025447,1%139,1%49,3%
nov/2025448,4%140,6%52,7%
dez/2025442,4%138,9%54,2%
jan/2026429,4%137,4%54,8%
fev/2026442,3%146,3%53,5%
mar/2026433,1%138,9%54,8%
abr/2026432,0%140,9%57,0%
mai/2026441,1%137,3%54,1%
jun/2026447,4%139,9%52,9%
jul/2026436,2%137,0%52,3%
ago/2026444,9%136,4%52,6%
Famílias endividadas, em % da renda
  • Dívida total (% da renda de 12 meses)
  • Parcela da renda do mês que paga dívida
  • Dívida atrasada há 90 dias (% dos empréstimos)
0,0%20,0%40,0%60,0%2005200820112014201720202023202612345678LULADILMATEMERBOLSONAROLULA

Faixa de baixo: quem estava na Presidência. Bolinhas numeradas: acontecimentos (passe o mouse ou o dedo).

Ver em tabela
MêsDívida total (% da renda de 12 meses)Parcela da renda do mês que paga dívidaDívida atrasada há 90 dias (% dos empréstimos)
jan/200516,5%––
fev/200516,8%––
mar/200517,2%17,0%–
abr/200517,6%17,2%–
mai/200518,0%17,4%–
jun/200518,1%17,6%–
jul/200518,4%17,7%–
ago/200518,9%17,9%–
set/200519,1%18,3%–
out/200519,4%18,6%–
nov/200519,6%18,6%–
dez/200519,6%18,7%–
jan/200619,9%18,7%–
fev/200620,1%19,0%–
mar/200620,5%19,3%–
abr/200620,8%19,5%–
mai/200621,1%19,6%–
jun/200621,2%19,6%–
jul/200621,4%19,5%–
ago/200621,7%19,7%–
set/200621,7%19,5%–
out/200621,9%19,4%–
nov/200622,1%19,3%–
dez/200622,0%19,5%–
jan/200722,3%19,4%–
fev/200722,5%19,3%–
mar/200722,0%18,9%–
abr/200722,4%18,8%–
mai/200722,9%18,6%–
jun/200723,1%18,9%–
jul/200723,6%19,2%–
ago/200723,8%19,4%–
set/200724,0%19,3%–
out/200724,6%19,3%–
nov/200724,9%19,4%–
dez/200725,0%19,4%–
jan/200825,3%19,6%–
fev/200825,5%19,9%–
mar/200826,0%20,2%–
abr/200826,5%20,4%–
mai/200826,8%20,4%–
jun/200826,9%20,4%–
jul/200827,2%20,5%–
ago/200827,3%20,6%–
set/200827,4%20,6%–
out/200827,8%20,8%–
nov/200827,5%20,8%–
dez/200827,4%20,9%–
jan/200927,3%20,9%–
fev/200927,3%21,0%–
mar/200927,3%21,1%–
abr/200927,5%21,2%–
mai/200927,9%21,3%–
jun/200928,0%21,7%–
jul/200928,2%21,8%–
ago/200928,4%21,9%–
set/200928,8%22,0%–
out/200928,9%22,2%–
nov/200929,1%22,2%–
dez/200929,5%22,2%–
jan/201029,8%22,3%–
fev/201030,0%22,3%–
mar/201030,4%22,3%–
abr/201030,7%22,5%–
mai/201031,2%22,7%–
jun/201031,4%23,0%–
jul/201032,0%23,1%–
ago/201032,3%23,1%–
set/201032,7%23,2%–
out/201032,9%23,2%–
nov/201033,5%23,5%–
dez/201034,0%24,0%–
jan/201134,1%24,2%–
fev/201134,2%24,0%–
mar/201134,9%23,9%3,2%
abr/201134,9%23,8%3,2%
mai/201135,1%23,8%3,4%
jun/201135,3%23,6%3,3%
jul/201135,4%23,5%3,4%
ago/201136,0%23,7%3,5%
set/201136,3%24,2%3,5%
out/201136,5%24,7%3,6%
nov/201136,5%24,6%3,6%
dez/201136,6%24,6%3,5%
jan/201236,8%24,5%3,7%
fev/201236,8%24,5%3,7%
mar/201236,9%24,5%3,7%
abr/201237,0%24,5%3,8%
mai/201237,2%24,5%3,8%
jun/201237,4%24,4%3,7%
jul/201237,5%24,1%3,7%
ago/201237,7%23,8%3,8%
set/201237,5%23,6%3,7%
out/201237,7%23,4%3,8%
nov/201237,9%23,5%3,7%
dez/201238,0%23,5%3,6%
jan/201338,2%23,2%3,6%
fev/201338,3%23,1%3,5%
mar/201338,2%22,9%3,5%
abr/201338,3%22,8%3,5%
mai/201338,4%22,3%3,5%
jun/201338,4%22,2%3,3%
jul/201338,6%22,2%3,2%
ago/201338,7%22,2%3,1%
set/201338,5%22,3%3,2%
out/201338,4%22,3%3,1%
nov/201338,4%22,4%3,0%
dez/201338,2%22,7%2,9%
jan/201438,3%22,6%2,9%
fev/201438,3%22,6%2,9%
mar/201438,2%22,5%2,9%
abr/201438,1%22,6%3,0%
mai/201438,3%22,7%3,0%
jun/201438,5%22,8%2,9%
jul/201438,6%22,8%3,0%
ago/201438,6%22,7%3,0%
set/201438,7%22,7%2,9%
out/201439,0%22,7%3,0%
nov/201439,0%23,1%2,9%
dez/201439,2%23,5%2,8%
jan/201539,6%23,9%2,9%
fev/201539,6%24,1%2,9%
mar/201539,7%24,0%2,9%
abr/201540,0%24,2%3,0%
mai/201540,0%24,2%3,1%
jun/201540,1%24,3%3,0%
jul/201540,4%24,3%3,1%
ago/201540,6%24,4%3,2%
set/201540,8%24,6%3,2%
out/201540,8%24,2%3,3%
nov/201540,5%23,8%3,4%
dez/201540,1%23,0%3,4%
jan/201640,0%23,3%3,5%
fev/201639,7%23,4%3,6%
mar/201639,5%23,7%3,6%
abr/201639,3%23,7%3,7%
mai/201639,2%24,0%3,8%
jun/201639,0%24,0%3,6%
jul/201638,8%23,8%3,6%
ago/201638,7%23,8%3,7%
set/201638,5%23,8%3,7%
out/201638,2%23,7%3,9%
nov/201638,2%23,6%3,9%
dez/201638,1%23,2%3,8%
jan/201738,0%23,2%3,8%
fev/201737,9%23,0%3,8%
mar/201737,8%22,9%3,9%
abr/201737,5%22,5%4,0%
mai/201737,4%22,2%4,1%
jun/201737,3%22,2%3,8%
jul/201737,3%22,4%3,8%
ago/201737,4%22,7%3,8%
set/201737,3%22,8%3,7%
out/201737,3%22,6%3,7%
nov/201737,4%22,3%3,6%
dez/201737,2%22,1%3,3%
jan/201837,3%21,9%3,5%
fev/201837,2%21,9%3,5%
mar/201837,3%22,0%3,4%
abr/201837,5%22,3%3,4%
mai/201837,8%22,5%3,4%
jun/201837,8%22,9%3,1%
jul/201837,8%22,4%3,1%
ago/201838,0%22,1%3,1%
set/201838,0%22,2%3,1%
out/201838,3%22,2%3,1%
nov/201838,8%22,3%3,0%
dez/201839,0%22,6%2,9%
jan/201939,3%22,8%3,0%
fev/201939,6%23,0%3,0%
mar/201939,6%23,0%3,0%
abr/201939,8%23,5%3,1%
mai/201940,1%23,9%3,1%
jun/201940,6%25,1%3,0%
jul/201940,7%24,7%3,1%
ago/201941,1%24,7%3,1%
set/201941,2%23,9%3,1%
out/201941,3%23,5%3,1%
nov/201941,6%23,0%3,1%
dez/201941,5%22,7%3,0%
jan/202041,6%22,6%3,1%
fev/202041,5%22,6%3,1%
mar/202041,6%23,7%3,2%
abr/202040,9%23,3%3,4%
mai/202040,1%21,8%3,3%
jun/202039,4%20,5%3,0%
jul/202039,2%19,9%2,8%
ago/202039,2%19,8%2,7%
set/202039,6%20,0%2,5%
out/202040,2%20,5%2,4%
nov/202041,0%21,3%2,3%
dez/202041,8%21,8%2,2%
jan/202142,1%22,2%2,2%
fev/202142,3%22,0%2,3%
mar/202142,5%22,3%2,2%
abr/202142,9%22,4%2,2%
mai/202143,9%22,8%2,4%
jun/202144,5%23,0%2,3%
jul/202145,2%23,3%2,4%
ago/202146,5%23,6%2,4%
set/202147,5%24,5%2,3%
out/202148,2%25,2%2,3%
nov/202149,0%25,5%2,4%
dez/202149,5%25,6%2,4%
jan/202249,7%26,0%2,5%
fev/202249,5%25,7%2,6%
mar/202249,6%25,4%2,7%
abr/202249,7%25,6%2,7%
mai/202249,6%25,5%2,8%
jun/202249,7%26,0%2,7%
jul/202249,9%26,5%2,8%
ago/202249,7%26,9%2,9%
set/202249,6%27,2%2,9%
out/202249,8%27,2%3,0%
nov/202249,5%27,3%3,1%
dez/202249,1%27,6%3,1%
jan/202349,1%27,7%3,2%
fev/202348,8%27,7%3,4%
mar/202348,7%27,7%3,4%
abr/202348,6%27,8%3,5%
mai/202348,9%28,0%3,7%
jun/202348,5%27,8%3,6%
jul/202348,1%27,3%3,6%
ago/202348,3%26,9%3,6%
set/202348,1%26,8%3,5%
out/202348,2%26,8%3,6%
nov/202348,2%26,5%3,5%
dez/202347,8%25,8%3,3%
jan/202448,0%25,7%3,4%
fev/202447,9%25,8%3,4%
mar/202447,8%26,1%3,3%
abr/202447,7%26,1%3,4%
mai/202447,6%26,0%3,4%
jun/202447,7%26,4%3,3%
jul/202447,9%26,5%3,3%
ago/202448,1%26,7%3,3%
set/202448,1%26,5%3,3%
out/202448,2%26,4%3,3%
nov/202448,3%26,4%3,3%
dez/202448,5%26,8%3,1%
jan/202548,6%26,7%3,3%
fev/202548,6%26,9%3,4%
mar/202548,9%27,0%3,4%
abr/202548,9%27,1%3,7%
mai/202548,9%27,2%3,7%
jun/202548,8%27,2%3,8%
jul/202548,8%27,3%4,0%
ago/202548,9%27,6%4,1%
set/202549,1%27,8%4,1%
out/202549,5%27,9%4,2%
nov/202549,6%27,9%4,2%
dez/202549,7%28,1%4,2%
jan/202649,9%28,2%4,4%
fev/202649,8%28,3%4,6%
mar/202649,9%28,2%4,5%
abr/202649,9%28,4%4,6%
mai/202649,8%28,5%4,8%
jun/202649,7%28,7%4,6%
jul/202649,9%28,7%4,9%

Banco Central: taxa média de juros das operações com recursos livres para pessoa física (SGS 20741, 20748 e 22022), endividamento e comprometimento de renda das famílias com o sistema financeiro (29037 e 29034) e inadimplência da pessoa física (21082). Taxa média de quem contratou no mês; cada banco cobra diferente.