PGBL Calculator for Brazil
Brazil · BRL. Country-specific pension contributions or entitlements.
Smarter
Decisions.
Bigger Dreams.
Calculator Parameters
All amounts in BRL.
R$ 10.000,00 Minimum R$ 0,00; maximum R$ 10.000.000,00.
R$ 300,00 Minimum R$ 0,00; maximum R$ 100.000,00.
R$ 60.000,00 Minimum R$ 0,00; maximum R$ 10.000.000,00.
5% Minimum 0%; maximum 30%.
20 Minimum 1; maximum 50.
Your estimate
Projected balance
R$ 150.436,50
Opening balance + credited contributions
R$ 82.000,00
Modelled growth
R$ 68.436,50
First-year potentially deductible PGBL contribution
R$ 0,00
Based on the assumptions shown. This result is an illustration, not a quotation or guaranteed benefit.
Growth Projection
Method and scope
Private PGBL accumulation, not an INSS benefit estimate. Monthly contributions compound at an assumed return after fees, before withdrawal tax. First-year potentially deductible contributions are shown only if you confirm eligibility for the legal-deductions declaration and required official-pension contributions; then they are limited to 12% of entered annual gross taxable income. Eligibility is not established by the calculator, and no refund is reinvested. All contributions are invested even when not deductible. VGBL taxation, INSS entitlement, regressive/progressive payout tax, benefit pricing and future tax-rule changes are excluded. The separate Brazil tax calculator uses the simplified deduction and does not combine this PGBL deduction.
Try the starting example
Current balance: R$ 10.000; Monthly contribution: R$ 300; Annual gross taxable income for PGBL limit: R$ 60.000; Eligible for PGBL deduction using legal deductions and official pension contributions?: No / unsure — no deduction assumed; Assumed annual return (nominal): 5%; Years: 20.
Projected balance: R$ 150.436,50.
Compare one assumption at a time
Only the assumed investment return changes; contribution inputs stay fixed. Check any eligibility or contribution-limit warning before using a result. A projected balance does not establish withdrawal income or tax relief. Where no editable return is supported, use the profile-specific interpretation below. These fictional scenarios use the starting inputs printed above, not your current entries in the interactive calculator.
| Assumed annual return (nominal) | Projected balance | Interpretation |
|---|---|---|
| 3% | R$ 116.698,15 | One changed input |
| 5% | R$ 150.436,50 | Starting example |
| 7% | R$ 196.665,39 | One changed input |
Are you comparing annual assessment with monthly withholding?
The IRPF tool uses the supported annual simplified-deduction model rather than monthly IRRF. PGBL deduction eligibility is a separate choice involving the legal-deductions route and official pension contributions. Do not subtract the PGBL ceiling from the simplified-model result and treat that as a complete tax return.
To reproduce the table, reset the calculator, change only the named input and compare the result and any warning. Record the assumptions with your result. See worked planning examples and our calculation and correction process.
Sources and review date
Rules and method reviewed 2026-11-02. Future changes are not automatically applied. Report a correction.