Personal Finance

Percentage Calculator The three classic percentage problems solved instantly: X% of Y, X is what % of Y, and % change. Rule of Three Calculator Solve direct and inverse proportions: enter three known values and get the fourth, with the math spelled out. Pix Key Validator Detect the type of a Pix key and check its format — CPF, CNPJ, e-mail, phone or random key — in your browser. Simple Interest Calculator Calculate simple interest and the final amount — or leave one field empty to find the principal, rate or time. Discount Calculator Work out the price after a discount, the percentage between two prices, and what stacked discounts really add up to. Bill Split Calculator Split a bill between friends, with or without the service charge, and round up per person if you want. Fuel Cost & Consumption Calculator Find your real km/l, the fuel cost of a trip, and whether ethanol or gasoline is the better buy today. Unit Price Comparator Compare up to four pack sizes and see which one really costs less per kilo, litre or unit — in your browser. Appliance Energy Cost Calculator See how many kWh an appliance uses a month and what it costs in reais — right in your browser. Salary to Hourly Rate Converter Convert a monthly salary into an hourly rate and back, using the 220-hour CLT base or your own. Pix QR Code Generator Turn a Pix key into a QR code and a copy-and-paste code, right in your browser. INSS Contribution Calculator See exactly how much INSS is deducted from a CLT salary, band by band, with the 2026 table on screen and editable. IRRF Withholding Calculator How much income tax is withheld from a CLT salary, including the 2026 exemption reducer, with the table editable on screen. Net Salary Calculator (CLT) Turn a gross salary into what actually lands in your account: INSS, income tax, dependants and the 2026 exemption reducer. Reverse Salary Calculator (Net to Gross) Say what you want to take home and see the gross salary that pays it, proved by recalculating the payslip. FGTS Calculator See the 8% your employer deposits every month, project the balance and check the termination penalty. Vale-Transporte Discount Calculator Check what your employer may deduct for transport: the lesser of 6% of your basic salary or the real fare. Overtime Pay Calculator Turn a monthly salary into the value of each overtime hour at 50%, 100% or your union rate — with the DSR reflex. Night Shift Premium Calculator Work out the night premium with the reduced night hour: 52 min 30 s count as an hour, so 7 hours on the clock pay as 8. Severance Pay Calculator (CLT) Check a Brazilian termination line by line: proportional notice, 13th salary, holiday pay, the FGTS penalty and what is withheld. Vacation Pay Calculator (Férias + 1/3) See what really lands in your account: the days off, the constitutional third, the days you sell back — and why the sold days are tax free. Proportional Vacation Calculator (Twelfths) Count the twelfths a contract earned and price them, with the 15-day rule that decides whether the last month counts at all. 13th Salary Calculator Work out both instalments of the 13th salary: the first with no deductions, the second carrying INSS and tax on the whole amount. Seguro-Desemprego Calculator Work out the monthly unemployment benefit and how many instalments you are owed, with the official bands on screen and editable. PJ vs CLT Calculator Compare a CLT salary with a PJ contract honestly: 13th, holiday third, FGTS and the expected penalty against the DAS, the accountant and no safety net. Travel Dollar Rate (Dólar Turismo) See what a dollar really costs at the counter: the commercial rate plus the bureau spread and the IOF, for cash, prepaid card and credit card. Travel Euro Rate (Euro Turismo) What a euro really costs at the counter: the commercial rate, the bureau spread and the IOF — plus why the euro in reais moves for two reasons at once. Currency Converter Convert between any two of sixteen currencies and gold, at the commercial reference stored every 30 minutes — with the rate and its timestamp on screen. Brazilian Bank Code Lookup Search for any Brazilian bank by name, COMPE code or ISPB number — the codes used in TED, DOC and Pix transfers. Loan Amortization Calculator Compare SAC and Price amortization systems — see the first and last installment, total interest and total paid for any loan amount and rate. Investment Simulator See how an initial investment plus monthly contributions grows with compound interest, and how much income tax takes at the end. Installment Simulator See exactly how much each installment costs — with interest, down payment and total paid. Late Payment Interest Calculator Calculate interest and penalty on overdue payments using Brazilian legal standards — 1% per month plus a 2% fine. Inflation Correction Calculator Correct a value from one year to another using IPCA or IGP-M — the two main Brazilian price indices. Fixed Income Comparator Compare CDB, LCI/LCA and Treasury bonds after income tax. Equivalent Rate Converter Convert interest rates between monthly, annual and daily. Installment vs Cash Compare installments against cash considering opportunity cost. Best Card Purchase Day Find the day that gives the longest credit card float. Cashback Calculator See how much cashback you earn at a given rate. Miles Value Calculator Find how much each mile or point is worth in reais. 50/30/20 Budget Split income into needs, wants and savings. Savings Account Simulator Simulate savings account yield using the Selic rule. First Million Calculator See how long to reach one million with compound interest. Financial Independence Calculate the portfolio for the 4% withdrawal rule. Net Worth Calculator Add assets, subtract liabilities, see net worth. Consortium Simulator Simulate consortium installments with admin fee. Rent vs Buy Calculator Compare total cost of renting vs financing. Inflation Calculator See how much a past amount is worth today using IPCA or IGP-M.