Social Security Contribution Simulator
Calculate your social security contribution and understand the benefits
Publicidade
Amount before deductions
What is INSS?
INSS (National Social Security Institute) is the agency responsible for Social Security in Brazil. Contributions guarantee access to benefits such as retirement, sickness allowance, death pension, and more.
The system is progressive for CLT workers, meaning those who earn more pay proportionally more, up to the contribution ceiling.
Contributor Types
Employee (CLT)
- •Automatic payroll deduction
- •Progressive rates from 7.5% to 14%
- •Employer also contributes (employer's share)
- •Counts full contribution time
Self-employed/Individual Contributor
- •Pays on their own via payment slip
- •11% (simplified) or 20% (complete)
- •Base between minimum wage and ceiling
- •20% counts contribution time
Micro-entrepreneur (MEI)
- •Fixed monthly amount (5% of minimum wage)
- •Included in monthly DAS payment
- •Right to retirement by age
- •Benefit limited to 1 minimum wage
Optional Contributor
- •For those without mandatory income
- •Students, homemakers, unemployed
- •Rates: 5% (low income), 11% or 20%
- •Maintains insured status
How to Use the Simulator
- 1
Select your contributor type
- 2
Enter your gross monthly salary
- 3
For self-employed, choose the rate (11% or 20%)
- 4
View the detailed calculation by brackets
- 5
Compare the impact on your net salary
Progressive Table 2024
For CLT workers, INSS is calculated progressively:
- Up to R$ 1,412.00: 7.5%
- R$ 1,412.01 to R$ 2,666.68: 9%
- R$ 2,666.69 to R$ 4,000.03: 12%
- R$ 4,000.04 to R$ 7,786.02: 14%
Above the ceiling (R$ 7,786.02), there is no contribution on the excess.
Important Tips
CLT: the company pays an additional share (employer's) not shown on payslip
Self-employed at 11%: only retires by age, not by time
MEI: can supplement contributions to increase benefits
Keep your payment receipts to prove contributions
Check your statement on Meu INSS regularly
Frequently Asked Questions
Is INSS mandatory?
Yes, for those working with registration (CLT) or as self-employed with income. It's optional for those without income.
What's the difference between 11% and 20%?
11% is simplified and only entitles retirement by age. 20% counts contribution time and allows retirement by time.
What happens if I earn above the ceiling?
You only contribute up to the ceiling (R$ 7,786.02). The excess amount has no INSS deduction.
Does MEI have the right to retirement?
Yes, by age, with a benefit of one minimum wage. Can supplement contributions to increase the benefit.
Can I pay overdue INSS?
Yes, but with interest and penalty. Some situations allow indemnification of previous periods.
How does it work for those with two jobs?
Contributions are added up but limited to the ceiling. If the sum exceeds it, there may be a refund.
What's the benefit of contributing as optional?
Maintains insured status, ensuring access to benefits like sickness allowance and retirement.
Can I choose how much to contribute as self-employed?
The calculation base must be between minimum wage and ceiling. The rate can be 11% or 20%.