IOF Calculator (Loans, Forex & Travel Card) Brazil

Estimate IOF tax on foreign currency spending or a personal loan.

Transaction typeAmountR$Loan term (days)

—estimated IOF

—effective rate applied

—total incl. IOF

Estimates only — not tax advice. Based on 2026 rates (3.5% forex; 0.38% + 0.0082%/day for personal loans, capped at 365 days). Rates set by decree and can change. Source: Receita Federal.

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About the IOF Calculator

IOF (Imposto sobre Operações Financeiras) is Brazil's tax on financial transactions — including foreign currency purchases, international card spending, and loans. The rate depends entirely on the type of transaction. This calculator covers two common cases: international card/forex spending, and a personal loan.

How it works

International card / forex spending: IOF = amount × 3.5% — applies to international credit/debit card purchases, prepaid travel cards, cash currency purchases and travel cheques for personal use.

Personal loan (individual): IOF = principal × (0.38% + 0.0082% × number of days, capped at 365 days) — a fixed portion plus a daily accrual, capped at a maximum additional 3% (so a maximum total of 3.38% for loans held 365+ days).

Assumptions and behaviour

Uses the 3.5% unified rate for international card/forex operations by individuals, in effect since the rate unification following STF's 2025 ruling.
Uses the standard 0.38% fixed + 0.0082%/day formula for personal (pessoa física) loans, capped at 365 days.

Limitations

Doesn't cover corporate (pessoa jurídica) loan rates, which differ from personal loan rates.
IOF rates are set by government decree and can change with little notice — always verify the current rate before relying on this for a large transaction.
Estimates only — not tax or financial advice.

Privacy

The calculation runs entirely in your browser. Nothing is uploaded or stored.

Frequently asked questions

Is this IOF calculator free?

Yes — free, no sign-up, no limits, runs in your browser.

What's the IOF rate on international card spending?

3.5% for individuals, covering international credit/debit cards, prepaid travel cards, foreign cash purchases and travel cheques for personal spending.

How is IOF calculated on a personal loan?

A fixed 0.38% of the loan amount, plus 0.0082% per day the loan is outstanding, capped at 365 days (a maximum daily-accrual portion of about 3%).

Can IOF rates change?

Yes — they're set by government decree and have changed more than once recently, so always check the current rate for anything beyond a rough estimate.

Is my data uploaded?

No. Everything runs locally in your browser; nothing is sent or stored.

Written by Lakshay Kumar(TechLakshay)

A QA Automation Engineer by trade, Lakshay's real passion is untangling complex problems into simple, working solutions — which is exactly why FreeMyTask exists. On Instagram, he channels that same instinct into helping 26,000+ content creators with SEO education, motivation, and hands-on query solving.

Last updated: August 22, 2026