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- Quando algo dá errado no app, agora conseguimos ver exatamente onde, para corrigir mais rápido - Medição anônima de quando a carteira recebe o primeiro título, para entendermos o que ajuda quem está começando; nenhum valor ou título da carteira sai do seu aparelho
The value on the yield curve of your Treasury Direct bonds, without needing to use the website. No login required.
"Failed to retrieve details for the government bond. Please try again." Do you know this? It's the Treasury Direct website, when you try to see the value on the yield curve by opening each bond individually. The Treasury on the Yield Curve does this calculation on your cell phone, for your entire portfolio, and shows the market value next to it. The yield curve is calculated on the device itself and continues to appear even without internet access. YEAR CURVE OR MARKET? The balance that appears on the Treasury Direct website and in your brokerage account is the market value: how much the Treasury would pay for your bond in a redemption today. It goes up and down with current interest rates, and sometimes turns red. The yield curve value is something else entirely: how much your money earns following exactly the rate you contracted, day after day, until maturity. For those who hold the bond until maturity, this is the number that counts. The market value only comes into play in a redemption before maturity. WHAT THE APP SHOWS • Invested value, value on the curve, and market value, per security and in the entire portfolio • The difference between market and curve, in % and in R$: "the market is 2.1% above its curve" • Profitability based solely on price, as on the Treasury website, and also adding coupons already received • Net redemption value in estimate, with income tax according to the regressive table, IOF (tax on financial transactions) in the first 30 days, and B3 custody fee • Date and time of prices always visible, so you know when each number is from • Light, dark, or automatic theme, following your phone IMPORT THE STATEMENT WITHOUT TYPING Export the Analytical Statement from the Treasury Direct portal (one file per security) and choose the file in the app. Contributions are entered with the numbers from the file, and the app checks if the lines add up to the declared total. The file is read on the phone and doesn't leave it. Once that's done, just open it and look. Prefer to enter manually? Also available: fill in two fields (total value, quantity, and unit price), and the third will be automatically calculated. ALERTS, IF YOU WANT: • Notification when the difference between the market and the yield curve exceeds the limit you define. • Daily or weekly summary of the portfolio's yield curve value. BONDS CALCULATED BY THE APP: Treasury Bonds (Fixed-Rate), Treasury Bonds (Fixed-Rate) with Semiannual Interest, Treasury IPCA+, Treasury IPCA+ with Semiannual Interest, and Treasury Selic. Treasury Renda+ and Treasury Educa+ are not yet included. YOUR PORTFOLIO STAYS ON YOUR PHONE No account creation, login, or bank or brokerage password required. The bonds you register are stored only on your device. FREE UP TO 3 BONDS With up to 3 bonds, the app is free and performs all calculations. No ads. Unlimited portfolio: one-time payment of R$ 34.90, no subscription. Lifetime unlocking unlocks unlimited securities in your portfolio and covers all calculations the app performs locally on your device: value on the curve, market value, income tax, IOF (tax on financial transactions), custody fees, coupons, alerts, and reports. One-time payment, no subscription or renewal. Services that depend on proprietary online infrastructure, such as device synchronization or cloud backup, are not included in this unlocking and, if launched, will be offered separately. Nothing you unlock will stop working. Start with your first 3 securities, for free. IMPORTANT The values are calculated by the app based on the data you provide and are for informational purposes only. The official position is that of your statement on the Treasury Direct website. The app shows numbers and differences and does not make investment recommendations. Tesouro na Curva is developed by Overdrive Softwares and has no affiliation with the National Treasury, Treasury Direct, or B3. Sources of public data: prices and rates from Tesouro Direto (tesourodireto.com.br), Selic rate from the Central Bank of Brazil (bcb.gov.br) and IPCA from IBGE (ibge.gov.br).