Take-home pay and how much to save each month
Type what you earn or would like to earn. We show what lands in your account and what is left if you save 20% of it.
R$4,498.49
Of R$5,000.00 gross, R$4,498.49 lands in your account.
- Left to live onR$3,598.79
- Save per monthR$899.70
- Social security (INSS)-R$501.51
- Income tax (IRRF)-R$0.00
- Social security (INSS)
- R$501.51
- Income tax (IRRF)
- R$0.00
- Total deduction over gross
- 10.0%
How much do you want to save?
- Save per month
- R$899.70
- Left to live on
- R$3,598.79
- Saved in 12 months
- R$10,796.40
Saving a fixed share of net pay as soon as it arrives is the simplest way to build the habit. 20% is a starting point, not a rule: if it does not fit, start with 5% and raise it.
What that becomes in fixed income
Monthly deposits at 100% of the CDI rate (13.65% a year, today's rate held constant), regressive income tax already deducted.
- You invested
- R$107,964.00
- Fixed income · net
- R$203,209.61
Use the legend buttons to show or hide a series.
| Term | You saved | Becomes (net) |
|---|---|---|
| 1 year | R$10,796.40 | R$11,421.93 |
| 5 years | R$53,982.00 | R$72,613.05 |
| 10 years | R$107,964.00 | R$203,209.61 |
What if I earned more?
A gross raise of R$500.00 adds R$239.53 to net pay: 52.09% of the raise goes to taxes.
- Current salaryR$4,498.49
- With a raiseR$4,738.02
- New net pay
- R$4,738.02
- New amount to save
- R$947.60
How the calculation works
How Brazilian net salary is calculated in 2026
The calculation subtracts social security (INSS), withholding income tax (IRRF) and the other deductions you enter from gross salary. INSS uses progressive brackets. IRRF uses the more favorable of the available legal deductions and simplified deduction, then applies the year’s tax reduction. Dependents affect the income tax base.
A worked example
A gross salary of R$5,000.00, with no dependents or other deductions, gives R$501.51 in social security, R$0.00 in income tax and R$4,498.49 net under the 2026 tables. Edit the fields above to calculate your scenario.
Common questions
Why might this differ from my payslip?
Overtime, commissions, allowances, alimony, benefits and collective agreements can change taxable amounts or deductions. The tool uses monthly salary and the fields entered; your payslip remains the statement of actual pay.
Must I save 20% of my salary?
No. It is the initial scenario. Use the buttons or slider to choose another percentage, including zero. The chart and projection update to match.
Does a gross raise translate into the same net raise?
No. Social security and income tax can change with salary. The raise section recalculates deductions and shows the additional take-home amount under your assumptions.
Sources and methodology
Methodology and maintenance: Today Brazil. 2026 Brazilian payroll tables. Guide updated on .
Continue your simulation
2026 tables: INSS per Portaria Interministerial MPS/MF nº 13, de 09/01/2026; income tax per the Federal Revenue table and Law 15.270/2025 (exempt up to R$ 5,000, reduction up to R$ 7,350).
Estimate based on the official 2026 Brazilian tables (social security and income tax withholding). It ignores collective agreements, overtime, commissions and other extras. Your payslip and termination statement prevail. Not legal, accounting or financial advice.