About CalculaBR
CalculaBR exists for one journey: help CLT workers see what remains of their salary, how much of that can become a payroll loan, and what a contract really costs.
We are not a bank, credit broker or loan ranking. We never ask for a CPF. Calculations run in the browser against documented 2026 Brazilian rules.
The first editorial slice is narrow on purpose — salary, margin, worker credit, personal loans, CET, FGTS and car finance. Mortgages come later, once this core is solid.
What you will find here
The site has twelve free calculators organised by theme: pay and payroll (net salary, INSS and income tax), payroll credit (CLT margin, Crédito do Trabalhador and personal loans), FGTS (birthday withdrawal and anticipation), and vehicle finance and interest (CET, monthly and annual rates, implicit interest). Each calculator page explains the maths, shows the formula, gives examples and lists the official sources.
There are also short guides on the consignable margin, CET, the Price table, the FGTS birthday withdrawal and 2026 income tax, plus methodology, sources and editorial policy pages. The site is available in Brazilian Portuguese and English with the same content.
How we work
The numeric 2026 rules (INSS brackets, income tax table, birthday-withdrawal table, anticipation limits) live in a single code file used by every calculator, so fixing a rate fixes every page at once. Automated tests check known cases such as the R$988.09 INSS ceiling.
Before publishing or changing a number we compare it with the official source. The last editorial check of the rules was on 30 September 2026. If an official source differs from what the site shows, the official source prevails, and we ask you to tell us through the contact page.
Who we are and are not
CalculaBR is an independent editorial project. We are not a public body and have no link with INSS, the Federal Revenue, CAIXA or the Central Bank; we only cite their rules. We are not a financial institution or a credit broker and we do not take loan applications. As of this update the site shows no ads and no affiliate links.
The calculators produce educational estimates. Your payslip, your contract and your lender remain the reference for any decision.