Financial tools for Brazilian workers
2026 Brazil net salary, credit and FGTS calculator.
Transparent 2026 calculators with open formulas and official sources. Simulate net pay, then see how much of your paycheck can go to a payroll loan.
Most searched
Open the full calculator2026 net salary
R$
Net salary
R$4,498.49
- INSS
- R$501.51
- IRRF
- R$0.00
- Available margin
- R$1,574.47
Core tools
All calculatorsSalary
2026 net salary
INSS, income tax and what actually hits your account.
Credit
CLT payroll-loan margin
Up to 35% of available pay for Crédito do Trabalhador.
Credit
Crédito do Trabalhador
From monthly margin to how much you can actually borrow.
Credit
Personal loan
Instalment, total interest and the hit to your paycheck.
Interest
CET — total effective cost
The advertised rate is not the real cost.
FGTS
FGTS birthday withdrawal
Official rate plus the extra tranche on your balance.
FGTS
2026 FGTS anticipation
5 withdrawals until 31 Oct, then 3 from 1 Nov.
Vehicle
Vehicle financing
What the car will really cost after every instalment.
What net pay looks like
Common searches
- brazil net salary calculator 2026
- INSS table 2026
- Brazil income tax on salary
- CLT payroll loan margin
- crédito do trabalhador simulator
- personal loan instalment calculator
- CET loan calculator
- FGTS birthday withdrawal
- FGTS anticipation 2026
- Brazil car finance calculator
- monthly to annual interest
- hidden loan interest rate
Guides to understand the maths
- How to calculate net salary in Brazil in 2026Net salary is gross pay minus INSS, income tax and any other deductions you have, in that order.
- Brazil INSS table 2026: how the payroll deduction worksAn employee's 2026 INSS is the sum of four rates, each applied only to its own slice of the salary.
- 2026 payroll income tax: the R$5,000 exemption in practiceThe rate table was not torn up. A reducer was added after it.
- 13th salary 2026 in Brazil: how to calculate both instalmentsThe 13th salary is one extra month's pay a year: 1/12 for each month worked, paid in two instalments.
- Brazilian holiday pay and the 1/3 bonus: how to calculateHoliday pay is the pay for the days off plus one third, paid at least two days before the holiday starts.
- Dismissal without cause in Brazil: what you get and how to calculate itOn dismissal without cause you receive salary balance, notice, 13th salary and proportional holiday pay, and the employer pays the 40% FGTS fine.