Guides for clearer decisions

Short explainers of 2026 rules — no bank rankings and no promised approvals.

• What Crédito do Trabalhador is

  It is a payroll loan for formal employees. The useful number is the margin, not the advertised rate.

• How the CLT consignable margin works

  Margin is not how much you can borrow. It is how much can leave the paycheck each month.

• CET: the cost the ad does not show

  Two loans with the same sticker rate can have very different CET. Cash you receive on day zero matters as much as the instalment.

• The Price table in payslip language

  Price sits behind payroll loans, personal loans and most car finance in Brazil.

• FGTS birthday withdrawal and 2026 anticipation

  One number is CAIXA’s annual withdrawal table. Another is the loan that anticipates it — and in 2026 that loan shrinks.

• 2026 payroll income tax: the R$5,000 exemption in practice

  The rate table was not torn up. A reducer was added after it.

• Brazil INSS table 2026: how the payroll deduction works

  An employee's 2026 INSS is the sum of four rates, each applied only to its own slice of the salary.

• How to calculate net salary in Brazil in 2026

  Net salary is gross pay minus INSS, income tax and any other deductions you have, in that order.

• 13th salary 2026 in Brazil: how to calculate both instalments

  The 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 calculate

  Holiday 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 it

  On dismissal without cause you receive salary balance, notice, 13th salary and proportional holiday pay, and the employer pays the 40% FGTS fine.