2026 CLT Net Salary Calculator

What is the CLT Net Salary Calculator?

When to use

1. 01

   Negotiate salary in interviews: have a reference for how much the requested gross tends to become in net before accepting the offer.

2. 02

   Check your payslip: compare paycheck deductions with the current table — useful for identifying inconsistencies and opening a conversation with HR.

3. 03

   Compare job offers: two similar gross amounts can yield very different net amounts (dependents, transportation voucher, commissions).

4. 04

   Financial planning: estimate what's left for household budget, financing, or investment goals — combine with Quorify's Macro Calculator to complete your monthly routine.

5. 05

   Switching employment status (CLT ↔ independent contractor): compare CLT net with revenue via Quorify's Simples Nacional to assess the transition with awareness.

How the calculation works

Frequently asked questions

Is the result an estimate?

Yes. The calculation follows the official INSS and IRRF tables in effect for 2026 and considers only the fields you enter. Differences from your actual payslip may come from contract-specific items: meal voucher (collective bargaining agreement), union dues, dental plan, social security dependents different from IRRF dependents, or adjustments from previous months. Always use the result as an initial reference and check with HR or an accountant for complex cases.

Is my data stored anywhere?

The calculation of the values you enter runs locally in your browser (client-side). This means the mathematical processing happens on your own device. After loading the page, you can continue using the tool offline. For the complete breakdown of data handling — including cookies, paid plan authentication, and analytics — see our Privacy Policy.

How do I count dependents for IRRF?

For IRRF, the following count as dependents: children up to 21 years old (or 24 if attending higher education), spouse, parents/grandparents with income below the exempt threshold, among other specific cases. Each dependent reduces the IRRF calculation base by R$ 189.59. Check the complete rule with your accountant for your specific case.

FGTS appears as a deduction, but isn't it not deducted from my salary?

Correct. FGTS (8% of gross) is deposited by the employer in a separate account at Caixa Econômica, in the employee's name. It doesn't come out of your net pay. We show this value in the calculation breakdown only as information — so you know how much is accumulating.

Is it worth switching from CLT to independent contractor to receive more net?

It depends. As an independent contractor you have more tax flexibility (Simples Nacional, MEI) but you lose benefits like FGTS, 13th salary, paid vacation, automatic INSS, and unemployment insurance. Combine this calculator with Quorify's Simples Nacional Calculator to compare net amounts side by side and factor in the value of those benefits in your final decision.

Why does the INSS rate change based on salary?

The INSS table is progressive by brackets: each portion of the salary falls into a different rate (7.5%, 9%, 12%, 14%). There is also a ceiling — salaries above R$ 7,786.02 (2026 reference) are only taxed up to that amount.

Related tools

• CLT Severance Calculator

  Estimate severance benefits with advance notice
• Simples Nacional

  Compare independent contractor vs CLT tax regime
• Macro Calculator

  Daily nutrition planning

Official sources

Tabelas, leis e referências consultadas para fundamentar esta ferramenta.

1. 01

   Official table·Effective 2026·Ministry of Social Security · INSS

   INSS monthly contribution table

   Progressive table by brackets (7.5% / 9% / 12% / 14%) with contribution ceiling. This is the reference used to calculate the social security deduction on gross salary, including annual adjustments according to minimum wage and the current Interministerial Order.

   Consultar fonte oficial
2. 02

   Official table·Law No. 14,848/2024·Brazilian Federal Revenue Service

   Withholding Income Tax table

   Monthly progressive table (brackets from 0% to 27.5% with amount to deduct) applied to the IRRF calculation base (gross minus INSS minus dependent deduction). Reference for income tax withholding on CLT payroll.

   Consultar fonte oficial
3. 03

   Normative instruction·IN RFB No. 1,500/2014·Brazilian Federal Revenue Service

   Rules for dependent deductions in IRPF

   Defines who can be claimed as a dependent (children up to 21 years old, spouse, parents with income below the exempt threshold, etc.) and the deduction amount per dependent (R$ 189.59 monthly) used to reduce the IRRF calculation base.

   Consultar fonte oficial
4. 04

   Federal law·Law No. 8,036/1990·Caixa Econômica Federal · Manager

   FGTS rules — Law No. 8,036/1990

   Establishes the Time of Service Guarantee Fund. Mandates monthly deposit of 8% of compensation by the employer, in a linked account at Caixa — an amount that is not deducted from the worker's salary but is shown here as reference.

   Consultar fonte oficial
5. 05

   Decree-law·Decree-Law No. 5,452/1943·Planalto · Federal Legislation

   Consolidation of Labor Laws (CLT)

   Core framework for formal employment in Brazil. Regulates working hours, rest periods, additional pay (unhealthy work conditions, hazard pay, overtime), mandatory benefits, and compensation structure that serves as the base for the deductions calculated here.

   Consultar fonte oficial