{"id":2333,"date":"2026-05-18T13:12:57","date_gmt":"2026-05-18T13:12:57","guid":{"rendered":"https:\/\/wiseupflow.com\/?p=2333"},"modified":"2026-05-18T13:12:58","modified_gmt":"2026-05-18T13:12:58","slug":"como-declarar-investimentos-no-imposto-de-renda-passo-a-passo","status":"publish","type":"post","link":"https:\/\/wiseupflow.com\/en\/como-declarar-investimentos-no-imposto-de-renda-passo-a-passo\/","title":{"rendered":"Como Declarar Investimentos no Imposto de Renda (Passo a Passo)"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Declarar investimentos no IR \u00e9 obrigat\u00f3rio \u2014 e fazer errado pode resultar em multa ou malha fina. Aprenda como declarar corretamente cada tipo de investimento: Tesouro Direto, CDB, a\u00e7\u00f5es, FIIs e criptomoedas.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Voc\u00ea investiu. \u00d3timo. Mas chegou a hora do Imposto de Renda \u2014 e agora vem a d\u00favida: como declarar esses investimentos?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00e3o declarar ou declarar errado pode resultar em malha fina, multa e juros. E a boa not\u00edcia \u00e9 que, com o passo a passo certo, \u00e9 mais simples do que parece.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Regra Geral: O Que Declarar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voc\u00ea deve declarar todos os investimentos que possu\u00eda em 31 de dezembro do ano anterior, independentemente de ter resgatado ou n\u00e3o. Isso inclui saldo em aplica\u00e7\u00f5es, cotas de fundos, a\u00e7\u00f5es e qualquer outro ativo financeiro.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Como Declarar Cada Tipo de Investimento<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Tesouro Direto<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Onde declarar:<\/strong> Bens e Direitos \u2192 C\u00f3digo 45 (Aplica\u00e7\u00e3o em Tesouro Direto)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O que informar:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CNPJ do administrador (Tesouro Nacional: 00.394.460\/0001-41)<\/li>\n\n\n\n<li>Valor em 31\/12 do ano anterior (dispon\u00edvel no extrato do site do Tesouro)<\/li>\n\n\n\n<li>Rendimentos: j\u00e1 v\u00eam no informe de rendimentos da corretora<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tributa\u00e7\u00e3o:<\/strong> al\u00edquota regressiva de 22,5% (at\u00e9 180 dias) a 15% (acima de 720 dias). O IR \u00e9 retido na fonte no resgate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">CDB, LCI e LCA<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Onde declarar:<\/strong> Bens e Direitos \u2192 C\u00f3digo 45 (aplica\u00e7\u00f5es de renda fixa)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O que informar:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CNPJ do banco emissor<\/li>\n\n\n\n<li>Valor em 31\/12<\/li>\n\n\n\n<li>Rendimentos do informe de rendimentos<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tributa\u00e7\u00e3o:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CDB: IR regressivo retido na fonte no resgate (22,5% a 15%)<\/li>\n\n\n\n<li>LCI e LCA: isentas de IR (mas precisam ser declaradas como bens)<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"632\" height=\"356\" src=\"https:\/\/wiseupflow.com\/wp-content\/uploads\/2026\/05\/image-31.png\" alt=\"image\" class=\"wp-image-2037\" style=\"width:942px;height:auto\" title=\"Como Declarar Investimentos no Imposto de Renda (Passo a Passo)\" srcset=\"https:\/\/wiseupflow.com\/wp-content\/uploads\/2026\/05\/image-31.png 632w, https:\/\/wiseupflow.com\/wp-content\/uploads\/2026\/05\/image-31-300x169.png 300w, https:\/\/wiseupflow.com\/wp-content\/uploads\/2026\/05\/image-31-18x10.png 18w\" sizes=\"(max-width: 632px) 100vw, 632px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">A\u00e7\u00f5es<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Onde declarar:<\/strong> Bens e Direitos \u2192 C\u00f3digo 31 (a\u00e7\u00f5es)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O que informar por empresa:<\/strong> CNPJ da empresa, quantidade de a\u00e7\u00f5es, custo de aquisi\u00e7\u00e3o m\u00e9dio ponderado<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tributa\u00e7\u00e3o de ganho de capital:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vendas acima de R$20.000\/m\u00eas: paga 15% sobre o lucro<\/li>\n\n\n\n<li>Vendas abaixo de R$20.000\/m\u00eas: isentas de IR<\/li>\n\n\n\n<li>Opera\u00e7\u00f5es day trade: sempre 20% sobre o lucro<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>DARF:<\/strong> o imposto sobre ganho de capital em a\u00e7\u00f5es deve ser pago at\u00e9 o \u00faltimo dia \u00fatil do m\u00eas seguinte \u00e0 venda \u2014 n\u00e3o espere o IR anual.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fundos Imobili\u00e1rios (FIIs)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Onde declarar:<\/strong> Bens e Direitos \u2192 C\u00f3digo 73 (cotas de FII)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O que informar:<\/strong> CNPJ do fundo, quantidade de cotas, custo m\u00e9dio de aquisi\u00e7\u00e3o<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tributa\u00e7\u00e3o:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dividendos: isentos de IR (pessoas f\u00edsicas)<\/li>\n\n\n\n<li>Ganho de capital na venda de cotas: 20% (DARF mensal, como a\u00e7\u00f5es)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Criptomoedas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Onde declarar:<\/strong> Bens e Direitos \u2192 C\u00f3digo 89 (criptoativos)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O que informar:<\/strong> nome do ativo, saldo em 31\/12 em reais (pelo custo de aquisi\u00e7\u00e3o, n\u00e3o pelo valor de mercado)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tributa\u00e7\u00e3o:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vendas abaixo de R$35.000\/m\u00eas: isento<\/li>\n\n\n\n<li>Vendas acima de R$35.000\/m\u00eas: 15% sobre o ganho (DARF mensal)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Onde Encontrar as Informa\u00e7\u00f5es<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Toda corretora e banco \u00e9 obrigado a enviar o <strong>Informe de Rendimentos<\/strong> at\u00e9 28 de fevereiro \u2014 com todas as informa\u00e7\u00f5es necess\u00e1rias para a declara\u00e7\u00e3o. Verifique no app ou portal da institui\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para a\u00e7\u00f5es e FIIs, voc\u00ea tamb\u00e9m precisa das suas pr\u00f3prias anota\u00e7\u00f5es de custo de aquisi\u00e7\u00e3o \u2014 a corretora informa as movimenta\u00e7\u00f5es, mas o custo m\u00e9dio \u00e9 responsabilidade do investidor calcular (a maioria das corretoras oferece essa informa\u00e7\u00e3o no extrato).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Learn with Wisdom, Grow with Purpose, Flow with Freedom. \u2014 WiseUpFlow<\/em><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udccc Aviso:<\/strong> Este artigo \u00e9 educativo. Para situa\u00e7\u00f5es complexas, consulte um contador especializado em investimentos.<\/p>\n<\/blockquote>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"534\" height=\"137\" src=\"https:\/\/wiseupflow.com\/wp-content\/uploads\/2026\/05\/image-23.png\" alt=\"image\" class=\"wp-image-1930\" style=\"width:480px;height:auto\" title=\"Como Declarar Investimentos no Imposto de Renda (Passo a Passo)\" srcset=\"https:\/\/wiseupflow.com\/wp-content\/uploads\/2026\/05\/image-23.png 534w, https:\/\/wiseupflow.com\/wp-content\/uploads\/2026\/05\/image-23-300x77.png 300w, https:\/\/wiseupflow.com\/wp-content\/uploads\/2026\/05\/image-23-18x5.png 18w\" sizes=\"(max-width: 534px) 100vw, 534px\" \/><\/figure>","protected":false},"excerpt":{"rendered":"<p>Declarar investimentos no IR \u00e9 obrigat\u00f3rio \u2014 e fazer errado pode resultar em multa ou malha fina. Aprenda como declarar corretamente cada tipo de investimento: Tesouro Direto, CDB, a\u00e7\u00f5es, FIIs e criptomoedas. Voc\u00ea investiu. \u00d3timo. Mas chegou a hora do Imposto de Renda \u2014 e agora vem a d\u00favida: como declarar esses investimentos? N\u00e3o declarar [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2036,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[32],"tags":[1176,1185,1182,1184,1178,1175,1179,1181,1180,1183,1177],"class_list":["post-2333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financas","tag-como-declarar-investimentos-imposto-de-renda","tag-como-declarar-investimentos-no-imposto-de-renda","tag-como-declarar-investimentos-no-imposto-de-renda-declarar-acoes-ir","tag-como-informar-investimentos-ir-2026","tag-declarar-acoes-ir","tag-declarar-cdb-ir","tag-declarar-fii-ir","tag-declarar-fundos-imobiliarios-ir","tag-informar-investimentos-ir","tag-investimentos-declaracao-imposto-renda","tag-investimentos-declaracao-ir-2026"],"_links":{"self":[{"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/posts\/2333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/comments?post=2333"}],"version-history":[{"count":1,"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/posts\/2333\/revisions"}],"predecessor-version":[{"id":2334,"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/posts\/2333\/revisions\/2334"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/media\/2036"}],"wp:attachment":[{"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/media?parent=2333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/categories?post=2333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wiseupflow.com\/en\/wp-json\/wp\/v2\/tags?post=2333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}