All calculators

Twelve tools in one journey: net salary, CLT margin, worker credit, CET, FGTS and car finance.

• Salary

  2026 net salary

  INSS, income tax and what actually hits your account.

• Salary

  2026 INSS

  Progressive rates up to the R$8,475.55 ceiling.

• Salary

  2026 income tax

  Full relief up to R$5,000 and a taper to R$7,350.

• 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.

• Interest

  Monthly ↔ annual rate

  Effective equivalence versus nominal rate.

• Interest

  Implied interest

  The rate hidden inside the instalment you were offered.