Employee or contractor calculator
Enter the CLT salary and the PJ invoice to compare what each leaves in your pocket per month. The assumptions are shown below and can be changed.
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Difference per month
R$549.29
- CLT package per month
- R$6,670.71
- PJ net per month
- R$7,220.00
- PJ invoice that breaks even
- R$7,415.65
Your result in words
With a CLT salary of R$5,000.00, the package is worth R$6,670.71 per month; as a PJ invoicing R$8,000.00, R$7,220.00 is left: PJ pays R$549.29 more. The break-even is an invoice of R$7,415.65.
Informational estimate, without fees or inflation. Check taxes and charges for your case; the real result may differ.
How it works
The comparison
As a CLT employee there are deductions, but also FGTS, 13th salary, vacation and benefits. As a PJ the invoice is higher, but you pay tax and costs and give up those rights. The calculator puts both in monthly terms.
Assumptions used
Assumptions (editable): for CLT we count net pay (2026 INSS and income tax, no dependents), benefits, 8% FGTS and the 13th salary and vacation with 1/3 divided by 12 (gross values). For PJ, the invoice minus tax and costs, with no paid benefits, FGTS, 13th salary or vacation. Adjust to your contract.
Formula
How to calculate
CLT is the monthly package: net pay L, benefits B, FGTS F and 13th salary and vacation provisions P. PJ is the invoice N minus tax t and costs C.
Example
With round numbers, so you can check the math:
With a CLT salary of R$5,000.00, the package is worth R$6,670.71 per month; as a PJ invoicing R$8,000.00, R$7,220.00 is left: PJ pays R$549.29 more. The break-even is an invoice of R$7,415.65.
Frequently asked questions
Which tax rate should I use for PJ?
It depends on the regime (Simples, presumed profit). Use the Simples Nacional calculator to estimate the rate and type it into the field.
Do job stability and FGTS weigh in?
Yes, but they have no fixed price. Here FGTS counts as 8% of the salary; you judge job security separately.
Math checked by the JuntaTudo team · updated on Nov 12, 2026
