Updated October 2, 2026
Crédito do Trabalhador simulator 2026: how much can I borrow
Enter the monthly margin, rate and term to see how much payroll loan fits the instalment. We name no bank and promise no approval.
Also searched as consignado CLT simulator, worker credit Brazil and payroll loan calculator.
Quick answer
With a R$900 monthly margin, 36 instalments and 2.5% a month you can borrow up to R$21,200.63. At 3.79% a month, the Central Bank’s August 2026 average for private-sector payroll loans, the same term supports only R$17,523.63. The maximum term for CLT employees is 96 instalments.
Your result
Estimated loan amount
R$23,746.70
- Instalment
- R$89,999.99
- Estimated loan amount
- R$23,746.70
- Total interest
- R$3,216,252.94
- Total paid
- R$3,239,999.64
- Annual effective rate
- 14,589,021,287.87%
Central Bank average for Aug 2026, private-sector payroll loans (not a bank quote): 3.79% a.m.
How we got this number
Two modes: from desired amount to instalment, or from available margin to maximum principal. Both use the Price formula and the rate you type. The field starts at 3.79% a month, the Central Bank’s average for private-sector payroll loans in August 2026 (SGS series 25466). That is a market average, not a bank quote.
Formula and rules
PMT = PV × i / [1 − (1+i)^−n]. Max PV = PMT × [1 − (1+i)^−n] / i. Annual effective = (1+i)^12 − 1.
Examples
R$900 margin, 2.5% a month, 36 months
Maximum principal is R$21,200.63 and total paid is R$32,400.00, of which R$11,199.37 is interest. At 3.79% a month, the Central Bank average for August 2026, the same term supports only R$17,523.63.
I want R$10,000 over 24 months
At 3.79% a month that is 24 instalments of R$641.84 and R$5,404.16 of interest. Type the quoted rate; if the instalment exceeds your margin, go back to the margin calculator.
Frequently asked questions
Does this approve the loan?
No. Lenders still check job tenure, FGTS and credit policy. This is instalment math only.
What must the offer show?
For offers generated through the Digital Work Card: net amount released, each instalment, total paid, interest rate and CET (MTE Ordinance 435/2025). Compare the five figures, not just the instalment.
How much CLT payroll loan can I get?
It depends on margin, rate and term. With a R$900 monthly margin and 36 instalments you can borrow up to R$21,200.63 at 2.5% a month and R$17,523.63 at 3.79% a month. The lender still runs a credit check.
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Official sources used
Calculations run in your browser. We never ask for CPF, email or bank details, and values are not sent to our servers.
These tools provide educational estimates only. They are not a credit offer, financial advice, or an approval guarantee. Always check your payslip, contract and the current official rules.