How we calculate
The calculator tests five INSS rules — points, progressive minimum age, 50% toll, 100% toll, and the permanent rule — and shows the years needed for each, highlighting the fastest applicable one. It also simulates the private pension accumulation over the same period, applying the chosen tax regime at withdrawal.
Formula used
INSS (points, minimum age, permanent rules): benefit = average salary × (60% + 2% per year of contribution above 20 years for men, 15 for women). 50%/100% toll rules: benefit = 100% of average salary (no reduction, though the 50% toll rule would also apply an actuarial factor not modeled here). PGBL/VGBL: future value of monthly contributions compounded at the given rate, taxed at withdrawal per the chosen regime.
Benefício = média salarial × (60% + 2% por ano de contribuição acima do mínimo)
Practical example
A 55-year-old man with 33 years of contribution and a R$ 5,000 average salary would retire under the points rule in about 8.5 years.
How to interpret the result
Compare the years until retirement under the fastest INSS rule with the accumulated private pension value over the same period. INSS pays a lifetime monthly benefit; private pension gives you capital you manage yourself.
Limitations
This calculator models the general urban worker rules only — not special categories (teachers, rural workers, disabled workers, hazardous occupations). Rule targets advance every year and reflect the values current as of this calculator's review date. The 50% toll rule's actuarial factor isn't modeled. Regressive tax is simplified as a single term from the first contribution. This does not replace the official Meu INSS simulation or constitute investment or pension advice.