Terms of use

CalculaBR offers free educational calculators and texts on net salary, INSS, income tax, consignable margin, loans, CET and FGTS. No sign-up is required. We are not a financial institution or credit broker, we do not intermediate credit and we do not take loan applications.

Calculations follow the 2026 rules described on the Methodology and Sources pages, but every payroll has its own details: allowances, overtime, weekly rest pay, absences, collective agreements, benefits and rounding can change the final figure. A contract’s CET is computed by the lender with exact dates, while the calculator uses monthly periods, so the second decimal can differ.

Before any decision, check your payslip, your contract and the official rule. If you spot an error, tell us through the contact page.

You may use the tools for personal purposes, quote short passages with attribution and link to any page. You may not present a result as an official document, nor copy the whole site to republish as your own.

Within the limits of the law, including the Consumer Defence Code where it applies, CalculaBR is not liable for financial decisions taken on the basis of the estimates. Links to official and third-party sites are reading suggestions; we do not control their content.

Data handling is described on the Privacy page. We may update these terms; the site’s update date appears in the footer. Brazilian law applies. We do not choose a specific venue, and the general jurisdiction rules of the law apply, including consumer protection rules.