Conversa
Renda+ 2045: parcela mensal com R$ 10 mil aplicados em 02/02/2026
Parcela mensal estimada em valores de hoje após a conversão em 2045, para compra de R$ 10.000 em Tesouro Renda+ 2045 em 02/02/2026 (taxa e PU do histórico + simulate_bond).
Aviso legal
O texto que se segue reproduz uma conversa com inteligência artificial , eventualmente editada para leitura. Pode conter erros, imprecisões ou informação desatualizada. Não dispensa confirmação junto de fontes oficiais do Tesouro. Para decisões que afetem o seu patrimônio ou obrigações legais, procure profissionais devidamente habilitados e registrados nas áreas pertinentes (investimentos, contabilidade, direito tributário ou outras, consoante o caso).
Não constitui recomendação de investimento nem consultoria financeira, fiscal ou jurídica. Os editores deste site não assumem responsabilidade por decisões ou prejuízos com base neste conteúdo. Utilização por sua conta e risco.
Em preços atuais e não considerando imposto na retirada, qual o valor mensal que receberia a partir de 2045 se comprasse um total de R$10000,00 de Tesouro Renda+ 2045 em 02 de fevereiro de 2026?
Primeiro confirmo no catálogo o vencimento e a data de conversão do Renda+ 2045.
▸ catalog_list
input
{}output
[
{
"type": "renda-mais",
"label": "Tesouro Renda+",
"products": [
{
"year": 2030,
"maturityDate": "2049-12-15",
"launchDate": "2023-01-30",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2030-01-15",
"installments": 240
},
{
"year": 2035,
"maturityDate": "2054-12-15",
"launchDate": "2023-01-30",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2035-01-15",
"installments": 240
},
{
"year": 2040,
"maturityDate": "2059-12-15",
"launchDate": "2023-01-30",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2040-01-15",
"installments": 240
},
{
"year": 2045,
"maturityDate": "2064-12-15",
"launchDate": "2023-01-30",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2045-01-15",
"installments": 240
},
{
"year": 2050,
"maturityDate": "2069-12-15",
"launchDate": "2023-01-30",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2050-01-15",
"installments": 240
},
{
"year": 2055,
"maturityDate": "2074-12-15",
"launchDate": "2023-01-30",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2055-01-15",
"installments": 240
},
{
"year": 2060,
"maturityDate": "2079-12-15",
"launchDate": "2023-01-30",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2060-01-15",
"installments": 240
},
{
"year": 2065,
"maturityDate": "2084-12-15",
"launchDate": "2023-01-30",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2065-01-15",
"installments": 240
}
]
},
{
"type": "educa-mais",
"label": "Tesouro Educa+",
"products": [
{
"year": 2026,
"maturityDate": "2030-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"sell"
],
"conversionDate": "2026-01-15",
"installments": 60
},
{
"year": 2027,
"maturityDate": "2031-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2027-01-15",
"installments": 60
},
{
"year": 2028,
"maturityDate": "2032-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2028-01-15",
"installments": 60
},
{
"year": 2029,
"maturityDate": "2033-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2029-01-15",
"installments": 60
},
{
"year": 2030,
"maturityDate": "2034-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2030-01-15",
"installments": 60
},
{
"year": 2031,
"maturityDate": "2035-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2031-01-15",
"installments": 60
},
{
"year": 2032,
"maturityDate": "2036-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2032-01-15",
"installments": 60
},
{
"year": 2033,
"maturityDate": "2037-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2033-01-15",
"installments": 60
},
{
"year": 2034,
"maturityDate": "2038-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2034-01-15",
"installments": 60
},
{
"year": 2035,
"maturityDate": "2039-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2035-01-15",
"installments": 60
},
{
"year": 2036,
"maturityDate": "2040-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2036-01-15",
"installments": 60
},
{
"year": 2037,
"maturityDate": "2041-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2037-01-15",
"installments": 60
},
{
"year": 2038,
"maturityDate": "2042-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2038-01-15",
"installments": 60
},
{
"year": 2039,
"maturityDate": "2043-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2039-01-15",
"installments": 60
},
{
"year": 2040,
"maturityDate": "2044-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2040-01-15",
"installments": 60
},
{
"year": 2041,
"maturityDate": "2045-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2041-01-15",
"installments": 60
},
{
"year": 2042,
"maturityDate": "2046-12-15",
"launchDate": "2023-08-01",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2042-01-15",
"installments": 60
},
{
"year": 2043,
"maturityDate": "2047-12-15",
"launchDate": "2025-02-03",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2043-01-15",
"installments": 60
},
{
"year": 2044,
"maturityDate": "2048-12-15",
"launchDate": "2025-02-03",
"availableFor": [
"buy",
"sell"
],
"conversionDate": "2044-01-15",
"installments": 60
}
]
},
{
"type": "ipca-mais",
"label": "Tesouro IPCA+",
"products": [
{
"year": 2026,
"maturityDate": "2026-08-15",
"launchDate": "2020-02-10",
"availableFor": [
"sell"
]
},
{
"year": 2029,
"maturityDate": "2029-05-15",
"launchDate": "2023-01-09",
"availableFor": [
"sell"
]
},
{
"year": 2032,
"maturityDate": "2032-08-15",
"launchDate": "2022-02-21",
"availableFor": [
"buy",
"sell"
]
},
{
"year": 2035,
"maturityDate": "2035-05-15",
"launchDate": "2010-03-08",
"availableFor": [
"sell"
]
},
{
"year": 2040,
"maturityDate": "2040-08-15",
"launchDate": "2025-02-03",
"availableFor": [
"buy",
"sell"
]
},
{
"year": 2045,
"maturityDate": "2045-05-15",
"launchDate": "2017-02-08",
"availableFor": [
"sell"
]
},
{
"year": 2050,
"maturityDate": "2050-08-15",
"launchDate": "2025-02-03",
"availableFor": [
"buy",
"sell"
]
}
]
},
{
"type": "prefixado",
"label": "Tesouro Prefixado",
"products": [
{
"year": 2027,
"maturityDate": "2027-01-01",
"launchDate": "2024-02-05",
"availableFor": [
"sell"
]
},
{
"year": 2028,
"maturityDate": "2028-01-01",
"launchDate": "2025-02-03",
"availableFor": [
"sell"
]
},
{
"year": 2029,
"maturityDate": "2029-01-01",
"launchDate": "2022-02-21",
"availableFor": [
"buy",
"sell"
]
},
{
"year": 2031,
"maturityDate": "2031-01-01",
"launchDate": "2024-02-05",
"availableFor": [
"sell"
]
},
{
"year": 2032,
"maturityDate": "2032-01-01",
"launchDate": "2025-02-03",
"availableFor": [
"buy",
"sell"
]
}
]
},
{
"type": "prefixado-com-juros-semestrais",
"label": "Tesouro Prefixado com Juros Semestrais",
"products": [
{
"year": 2027,
"maturityDate": "2027-01-01",
"launchDate": "2022-02-21",
"availableFor": [
"sell"
]
},
{
"year": 2029,
"maturityDate": "2029-01-01",
"launchDate": "2020-02-10",
"availableFor": [
"sell"
]
},
{
"year": 2031,
"maturityDate": "2031-01-01",
"launchDate": "2022-02-21",
"availableFor": [
"sell"
]
},
{
"year": 2033,
"maturityDate": "2033-01-01",
"launchDate": "2023-01-30",
"availableFor": [
"sell"
]
},
{
"year": 2035,
"maturityDate": "2035-01-01",
"launchDate": "2024-02-05",
"availableFor": [
"sell"
]
},
{
"year": 2037,
"maturityDate": "2037-01-01",
"launchDate": "2025-02-03",
"availableFor": [
"buy",
"sell"
]
}
]
},
{
"type": "ipca-mais-com-juros-semestrais",
"label": "Tesouro IPCA+ com Juros Semestrais",
"products": [
{
"year": 2026,
"maturityDate": "2026-08-15",
"launchDate": "2016-01-26",
"availableFor": [
"sell"
]
},
{
"year": 2030,
"maturityDate": "2030-08-15",
"launchDate": "2020-02-10",
"availableFor": [
"sell"
]
},
{
"year": 2032,
"maturityDate": "2032-08-15",
"launchDate": "2022-02-21",
"availableFor": [
"sell"
]
},
{
"year": 2035,
"maturityDate": "2035-05-15",
"launchDate": "2006-04-12",
"availableFor": [
"sell"
]
},
{
"year": 2037,
"maturityDate": "2037-05-15",
"launchDate": "2025-02-03",
"availableFor": [
"buy",
"sell"
]
},
{
"year": 2040,
"maturityDate": "2040-08-15",
"launchDate": "2020-02-10",
"availableFor": [
"sell"
]
},
{
"year": 2045,
"maturityDate": "2045-05-15",
"launchDate": "2004-12-31",
"availableFor": [
"buy",
"sell"
]
},
{
"year": 2050,
"maturityDate": "2050-08-15",
"launchDate": "2012-06-01",
"availableFor": [
"sell"
]
},
{
"year": 2055,
"maturityDate": "2055-05-15",
"launchDate": "2020-02-10",
"availableFor": [
"sell"
]
},
{
"year": 2060,
"maturityDate": "2060-08-15",
"launchDate": "2025-02-03",
"availableFor": [
"buy",
"sell"
]
}
]
}
]Com a série identificada, busco taxa e PU de compra no histórico para a data negociada.
▸ price_history_lookup
input
{
"queries": [
{
"conversionYear": 2045,
"productId": "renda-mais",
"referenceDate": "2026-02-02"
}
]
}output
{
"results": [
{
"input": {
"productId": "renda-mais",
"conversionYear": 2045,
"referenceDate": "2026-02-02"
},
"found": true,
"maturityDate": "2064-12-15",
"buy": {
"rate": "0.0691",
"price": "724.81"
},
"sell": {
"rate": "0.0703",
"price": "703.26"
}
}
]
}Com taxa e PU, rodo a simulação completa (incluindo cronograma de 240 parcelas).
▸ simulate_bond
input
{
"items": [
{
"annualRate": "0.0691",
"bondType": "renda-mais",
"conversionYear": 2045,
"includeSchedule": true,
"side": "buy",
"tradeDate": "2026-02-02"
}
]
}output
[
{
"input": {
"bondType": "renda-mais",
"tradeDate": "2026-02-02",
"side": "buy",
"annualRate": "0.0691",
"conversionYear": 2045,
"includeSchedule": true
},
"ok": true,
"result": {
"productFamily": "renda-educa",
"price": "724.81",
"quotation": "15.776",
"duration": {
"macaulayYears": "26.584111548905",
"macaulayDays": "6699.19611032408",
"modified": "24.865879289968"
},
"schedule": [
{
"date": "2045-01-15",
"businessDays": 4747,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1183480314",
"kind": "installment",
"number": 1
},
{
"date": "2045-02-15",
"businessDays": 4769,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1176596879",
"kind": "installment",
"number": 2
},
{
"date": "2045-03-15",
"businessDays": 4787,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1170994767",
"kind": "installment",
"number": 3
},
{
"date": "2045-04-15",
"businessDays": 4809,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1164183951",
"kind": "installment",
"number": 4
},
{
"date": "2045-05-15",
"businessDays": 4827,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.115864094",
"kind": "installment",
"number": 5
},
{
"date": "2045-06-15",
"businessDays": 4849,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1151901978",
"kind": "installment",
"number": 6
},
{
"date": "2045-07-15",
"businessDays": 4871,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.114520221",
"kind": "installment",
"number": 7
},
{
"date": "2045-08-15",
"businessDays": 4892,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1138843332",
"kind": "installment",
"number": 8
},
{
"date": "2045-09-15",
"businessDays": 4914,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1132219518",
"kind": "installment",
"number": 9
},
{
"date": "2045-10-15",
"businessDays": 4934,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1126231306",
"kind": "installment",
"number": 10
},
{
"date": "2045-11-15",
"businessDays": 4955,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1119977766",
"kind": "installment",
"number": 11
},
{
"date": "2045-12-15",
"businessDays": 4975,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.11140543",
"kind": "installment",
"number": 12
},
{
"date": "2046-01-15",
"businessDays": 4994,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1108456027",
"kind": "installment",
"number": 13
},
{
"date": "2046-02-15",
"businessDays": 5015,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1102301187",
"kind": "installment",
"number": 14
},
{
"date": "2046-03-15",
"businessDays": 5035,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.109647121",
"kind": "installment",
"number": 15
},
{
"date": "2046-04-15",
"businessDays": 5056,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1090382917",
"kind": "installment",
"number": 16
},
{
"date": "2046-05-15",
"businessDays": 5076,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1084615975",
"kind": "installment",
"number": 17
},
{
"date": "2046-06-15",
"businessDays": 5098,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1078307561",
"kind": "installment",
"number": 18
},
{
"date": "2046-07-15",
"businessDays": 5119,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1072320124",
"kind": "installment",
"number": 19
},
{
"date": "2046-08-15",
"businessDays": 5141,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1066083226",
"kind": "installment",
"number": 20
},
{
"date": "2046-09-15",
"businessDays": 5163,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1059882604",
"kind": "installment",
"number": 21
},
{
"date": "2046-10-15",
"businessDays": 5182,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1054556551",
"kind": "installment",
"number": 22
},
{
"date": "2046-11-15",
"businessDays": 5204,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1048422971",
"kind": "installment",
"number": 23
},
{
"date": "2046-12-15",
"businessDays": 5224,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1042877952",
"kind": "installment",
"number": 24
},
{
"date": "2047-01-15",
"businessDays": 5243,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.103763735",
"kind": "installment",
"number": 25
},
{
"date": "2047-02-15",
"businessDays": 5266,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1031328686",
"kind": "installment",
"number": 26
},
{
"date": "2047-03-15",
"businessDays": 5284,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1026418237",
"kind": "installment",
"number": 27
},
{
"date": "2047-04-15",
"businessDays": 5304,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1020989599",
"kind": "installment",
"number": 28
},
{
"date": "2047-05-15",
"businessDays": 5325,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1015320427",
"kind": "installment",
"number": 29
},
{
"date": "2047-06-15",
"businessDays": 5347,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1009415054",
"kind": "installment",
"number": 30
},
{
"date": "2047-07-15",
"businessDays": 5367,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.1004076344",
"kind": "installment",
"number": 31
},
{
"date": "2047-08-15",
"businessDays": 5390,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.0997971725",
"kind": "installment",
"number": 32
},
{
"date": "2047-09-15",
"businessDays": 5412,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.0992167257",
"kind": "installment",
"number": 33
},
{
"date": "2047-10-15",
"businessDays": 5433,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.0986658125",
"kind": "installment",
"number": 34
},
{
"date": "2047-11-15",
"businessDays": 5456,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.0980659406",
"kind": "installment",
"number": 35
},
{
"date": "2047-12-15",
"businessDays": 5475,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.0975731461",
"kind": "installment",
"number": 36
},
{
"date": "2048-01-15",
"businessDays": 5495,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.0970570901",
"kind": "installment",
"number": 37
},
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"presentValue": "0.0319042874",
"kind": "installment",
"number": 238
},
{
"date": "2064-11-15",
"businessDays": 9714,
"flow": "0.416666",
"cashFlowBrl": "19.14",
"presentValue": "0.0317103146",
"kind": "installment",
"number": 239
},
{
"date": "2064-12-15",
"businessDays": 9733,
"flow": "0.416826",
"cashFlowBrl": "19.15",
"presentValue": "0.0315630816",
"kind": "installment",
"number": 240
}
],
"tradeDate": "2026-02-02",
"side": "buy",
"settlementDate": "2026-02-03",
"maturityDate": "2064-12-15",
"conversionDate": "2045-01-15",
"calculation": {
"kind": "renda-educa",
"bondType": "renda-mais",
"vniBase": "4585.159356",
"ipcaMonthlyRate": "0.0033",
"automaticIpcaValidFrom": "2026-01-29",
"vniProjected": "4594.427296",
"indexProjection": {
"projected": "4594.4272962878173479",
"projectedTruncated": "4594.427296",
"exponent": "0.6129032258064516129",
"exponentTruncated": "0.61290322580645",
"daysNumerator": 19,
"daysDenominator": 31
}
},
"meta": {
"warnings": []
}
}
}
]Conclusão
Para calcular o valor que você receberia, precisamos primeiro identificar as condições de mercado para o Tesouro Renda+ 2045 no dia 02 de fevereiro de 2026.
1. Dados da Compra (02/02/2026)
De acordo com o histórico oficial:
- Taxa de compra: 6,91% a.a. + IPCA
- Preço Unitário (PU): R$ 724,81
- Investimento: R$ 10.000,00
- Quantidade adquirida: 13,7967 títulos (R$ 10.000,00 / R$ 724,81)
2. Fluxo de Recebimento
O Tesouro Renda+ paga 240 parcelas mensais (20 anos). A característica deste título é que 1 título inteiro garante, ao final, o recebimento de 1 VNA (ou VNI) total, distribuído nessas 240 parcelas.
Em valores de hoje (utilizando o VNI projetado para a data da liquidação da compra, que era de aproximadamente R$ 4.594,43):
- Cada título rende mensalmente: R$ 4.594,43 / 240 ≈ R$ 19,14 (em valores de hoje).
- Seu investimento (13,7967 títulos) renderia: 13,7967 × R$ 19,14 ≈ R$ 264,11.
3. Resumo do Benefício
Considerando preços atuais e sem descontar o Imposto de Renda:
- Valor Mensal: Você receberia aproximadamente R$ 264,11 por mês durante 20 anos (de 2045 a 2064).
- Total Nominal (em valores de hoje): O montante total recebido seria de aproximadamente R$ 63.387,42.
Nota: Este valor é uma estimativa em “poder de compra” de hoje. Na prática, as parcelas serão corrigidas mensalmente pelo IPCA até 2045 e durante todo o período de recebimento.
Aviso: dados deste MCP são informativos, gerados por software, sem garantia de exatidão ou atualização. Não são recomendação de investimento nem consultoria financeira, fiscal ou jurídica, nem substituem canais oficiais do Tesouro ou profissionais habilitados. Uso por sua conta e risco.