INSS uses a progressive table with four brackets: 7.5%, 9%, 12%, and 14%. Each rate applies only to the salary portion within that bracket, not the entire salary.
Net Salary Calculator (Brazil)
Find out your take-home pay after INSS and income tax deductions.
Understand what is deducted from your salary and how the progressive tax tables work.
Net salary is the amount actually deposited in the employee's account after mandatory deductions: INSS (social security contribution) and IRRF (withholding income tax). Both follow progressive tables — the higher the salary, the higher the rate on upper brackets, but lower brackets keep their lower rates. This tool applies the 2025 tables and shows how much each INSS bracket contributes.
Step-by-step to calculate your net salary.
- Enter your gross monthly salary.
- Add dependents, alimony, and private pension (PGBL) to adjust the income-tax base.
- Dependents and alimony reduce the IRRF calculation base, potentially reducing or eliminating withholding tax.
Sources and references for this tool
These references help contextualize formulas, standards, APIs and limitations used on this page. They do not replace professional validation when a result has legal, financial, medical or operational impact.
- INSSINSS — Institutional reference for social security.
- Receita Federal — IRPFReceita Federal — Official reference for income tax.
- Receita FederalReceita Federal — Official reference for Brazilian federal tax rules.
- Banco Central do BrasilBanco Central do Brasil — Official reference for rates, credit, exchange and the financial system.