Nubank Simulator: find out how much your money earns in NuConta

With the Nubank Simulator you can perform simulations with different scenarios. Read the text and find out how to use it!

Currently, there are many digital accounts with automatic balance income, that is, without having to invest. 

In fact, they yield more than the money left in the Savings account. At Nubank, customers can find out how much their money will yield in the digital account and also how much more it yields than savings.

ALSO KNOW:

How to increase your Nubank limit.

SEE HOW

This action is possible as the Nubank Simulator. Read the text and find out how it works and how to use it.

Furthermore, learn more details about NuConta, your credit card and discover other digital accounts with balance income. 

How does the Nubank Simulator work?

Knowing how much your saved money will yield is great, as it helps us predict the earnings and whether it will be advantageous. 

Therefore, and also to simplify and have control over your financial life, Simulator Nubank is useful.

INCREASE NUBANK LIMIT How to get it?

With this tool, it is possible to simulate different scenarios and also discover the difference between the yield of NuConta and savings.

To run a simulation, access the Nubank website and scroll down the page to the part where the simulator is. 

First, inform the initial deposit, monthly deposit and how long it will take to withdraw. 

The calculation is performed automatically and instantly on the side. In addition to finding out how much the money will yield according to the data provided, you also check how much the same amount would yield in savings.

With the simulator you can have a forecast of how much money you have saved in Nubank digital account can yield.

The only observation to make about this tool is that it is not possible to simulate values with a redemption time of more than 12 months. 

About NuConta

At NuConta, the balance yields 100% of the CDI, however, according to a change that occurred in the middle of last year, the money only starts to yield interest after being left in the account for at least 30 days. 

Despite this, it is still advantageous and one of the best digital accounts currently available. 

In addition to having no monthly fees, with NuConta customers can save up to R$$370.00 per year.

One of the ways to save money is with transfers via Pix and TED, as these services are free.

To get to know it better, we will take a tour of its main features and services. Follow along!

Take the opportunity to also read ⤵️ ⤵️ ⤵️

Nubank Boxes

Nubank Boxes are tools that help you organize your money and save to carry out a project. 

You can create and customize several boxes in the application, with each one being separate and productive.

The yield of each box depends on your goals, it is possible to create options with investment in BDRs or in a fixed income fund, for example.

If you want to save money to achieve something, this feature can help you!

Build Limit Function

With this function, the customer can increase their chances of having a fixed credit limit or increasing the available limit. 

It works like this: You set aside an amount to be used as your credit card limit. It is saved, but can be withdrawn whenever you want, as long as it is not committed to making purchases.

The money set aside in Limit Construction does not yield any income, but the card can be used for credit and you can even pay for purchases in installments through the app.

According to the fintech, this alternative is designed for customers that it does not know well enough to offer a credit limit.

As you use the reserved credit and pay the bill correctly, your relationship with Nubank will increase, and it will feel more secure in offering you a fixed credit limit.

Normally, after a few months of using this function correctly, the fintech usually releases a low credit limit, however, this is the first vote of confidence it gives you.

Use it frequently and always pay your bill on time. In a few months, you will certainly see your limit gradually increase.

See below some differences of the credit card with Limit Construction:

• Allows you to pay for purchases and invoices in installments;
• Pay the bill and have the limit released, you don't need to top up every month;
• Withdraw the unused money whenever you want;
• Improves your credit history.

Investments

You can invest from R$$1 in the investments available in the Nubank app. In addition to being able to start with little, the entire process is very simple and quick. 

At NuConta you will find different products and can choose the alternative according to your objectives.

Therefore, be sure to start investing, even if it is with little, it creates a habit and over time you will be more focused and see your assets gradually grow.

Loans

With the Nubank digital account, customers have access to loans very easily, in fact, it is possible to obtain pre-approved loan limits before even having credit on the card. 

At first they release low amounts, but they increase as the customer uses and pays correctly.

The amounts vary and are offered even if you already have another active loan in your account. However, it is important to be careful not to take on debt that could disrupt your budget.

Nubank's interest rates are personalized, that is, the interest rates applied to so-and-so differ from the interest rates applied to so-and-so.

However, fintech has a minimum and maximum reference rate, and they are on an average scale in the financial market.  

On the Bacen Portal you will find an updated table with the interest rates applied by banks and financial institutions in their main credit products.

Even customers with bad credit receive pre-approved limits to apply for a loan.

How to apply for a Nubank loan

See how easy it is to apply for a Nubank loan and the necessary steps

Learn more

Nubank credit card

O NuConta credit card It is not one of the best alternatives on the market in terms of rewards. 

This is because it does not accumulate points and does not pay cashback. However, it is free and bureaucracy-free.

It is a good alternative for those looking for a card with easy approval, even those with bad credit have access to a credit limit at Nubank.

To do this, it is important to use your digital account and your debit card. In addition, there are other actions that can speed up your access to credit, such as:

• Salary portability;
• Investments;
• Save money in the boxes;
• Use the Boundary Construction tool;
• Clear the name;
• Share data via Open Banking.

Another advantage it offers is being linked to a complete digital account full of advantages. 

It's certainly worth requesting yours! 

Now that you know the Nubank Simulator and learned how to use it, Please note that NuConta is not the only digital account that offers balance yield. 

In fact, there are alternatives with higher yields, daily liquidity and no minimum time for the money to start earning interest.

Discover some of them below.

1. PicPay 

At PicPay, the account yield is 102% of the CDI. All balances from R$1 yield and are guaranteed by the FGC. 

Other than that, there is no maximum limit for the money to yield, but above R$250 thousand you lose the protection of the Credit Guarantee Fund. 

This digital account has no monthly fees and your credit card is also free. 

Picpay has one of the best and most complete digital accounts today, certainly. 

In the app we find many services, tools, products and features that help us save, organize our finances and earn extra money, for example, with cashback, referring friends and scanning invoices.

2. DigioAccount

At Digio, your money yields 100% of the CDI. In special campaigns, the percentage can reach 130%. Incredible! 

Unlike NuConta and PicPay, at Digio your money starts to yield results in up to 1 business day, you don't need to wait at least 30 days to see it increase.

The more you leave in the account and the longer the period, the greater the returns will be.

It is also free, has a card with no annual fee, loans, cashback, zero revolving interest, discounts from partners and much more!

Get to know the account and everything it offers. 

3. 99Pay

At 99Pay, a balance of up to R$500.00 yields 220% of the CDI, the highest yield among digital accounts. 

From this value, the yield is 100% of the CDI, however, the amount of R$500 continues to yield 220%.

For example, if you deposited R$500.00 into the account and in the other months you deposited another R$1,000, then the R$500 will yield 220% of CDI and the other R$1,000 will yield 100%.

At 99Pay you can invest in Bitcoin from R$10 and still earn cashback and discounts.

It is an advantageous alternative, especially for 99 customers. 

Get to know 99pay

CONTINUE

4. Iti

With the Iti digital account, the balance yields 100% of the CDI and is not subject to IOF charges. The money yields daily. 

In addition to being 100% digital, Iti is also free and has a credit card with no annual fee.

Download the app and discover all the benefits it offers. 

Meet Iti

CONTINUE

Conclusion

O Nubank Simulator It is simple and easy to use, and is also a useful tool for predicting the performance of your balance. 

Be sure to test it out to find out how much your money in NuConta will yield.