Updated October 2, 2026
CLT payroll-loan margin calculator 2026
See how much of your pay can become a payroll-loan instalment: the cap is 35% of available remuneration, minus what you already pay.
Also searched as consignado margin, 35 percent of salary and margem consignável.
Quick answer
The Crédito do Trabalhador margin is up to 35% of available remuneration: on R$3,400 that is R$1,190 a month, or R$990 if you already pay R$200 of payroll loan. It is the instalment cap, not the loan size: R$990 over 36 instalments at 3.79% a month supports R$19,275.99.
Your result
Available margin
R$1,750.00
- Total margin (35%)
- R$1,750.00
- Existing payroll instalments
- R$0.00
How we got this number
For Crédito do Trabalhador, the sum of payroll-loan instalments cannot exceed 35% of the job’s available remuneration (MTE Ordinance 435/2025, article 7). Payroll instalments you already pay consume that margin. The result is a monthly amount in reais, not just a percentage.
Formula and rules
Total margin = available pay × 0.35. Available = max(0, total − existing instalments).
Examples
Net pay R$3,400
35% = R$1,190 per month — that is the instalment cap, not the loan principal.
Already paying R$200
Available margin falls to R$990, which feeds the worker-credit simulator.
Frequently asked questions
Is the base gross or net?
Neither. The ordinance uses available remuneration: earnings subject to social-security contributions minus INSS, income tax and other compulsory deductions. Voluntary deductions such as health-plan co-payments are not subtracted (article 30, paragraph 3). Net pay is therefore only an approximation, and the official margin comes from the Crédito do Trabalhador platform.
What is the maximum term of a CLT payroll loan?
Up to 96 monthly instalments for CLT, rural and domestic employees (MTE Ordinance 435/2025, article 10, V, a).
What if my available pay falls in a month?
The employer may withhold only part of the instalment and must tell you (MTE Ordinance 435/2025, article 30, paragraph 4). That is why borrowing right at the margin limit is risky.
Is the CLT payroll-loan margin 35% of salary?
It is 35% of available remuneration, not of gross pay: earnings subject to social security minus INSS, IRRF and other compulsory deductions (MTE Ordinance 435/2025, article 7). So 35% of gross pay overstates the margin.
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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.