Consignment Margin Calculator

Calculate the limit of installments allowed for automatic deduction from your payroll or social security benefit. Discover your free margin for new loans and consigned credit cards according to current laws.

Quick Profiles:

Social Security Retiree ($3,000 gross) Federal Server SIAPE CLT Private Sector Worker

Margin Data

Category / Agreement

Gross Income / Monthly Benefit

Gross income on the payroll.

Mandatory Deductions

Income Tax (withholding tax), social security, judicial pensions, etc.

Active Consigned Loan Installments

Sum of monthly installments of consigned loans that you already pay.

Active Consigned Credit Card Expenses

Amount already deducted for consigned credit cards.

Fill in the financial information and click on Calculate Margin to see the legal diagnosis.

$ 0.00

Calculated Net Income

$ 0.00

Available Margin for Loans

$ 0.00

Available Margin for Credit Cards

$ 0.00

Estimated Credit Amount

$ 0.00

Maximum Loan Margin

$ 0.00

Maximum Credit Card Margin

Net Income Distribution (%)

Estimated Available Credit by Term ($)

Consigned Loan Simulation Summary by Term

Term (Months)	Installment (Used Margin)	Applied Interest Rate	Estimated Available Credit	Total Interest Cost

What is Consignment Margin and how is it calculated?

The Consignment Margin is the maximum percentage of a worker's, retiree's, or public servant's net monthly income that can be committed to paying loans and credit cards with payroll deduction. This margin exists to prevent over-indebtedness, ensuring that the borrower has minimum resources for their survival.

Rules by Type of Agreement (Current Legislation)

Each professional category has rules and percentages defined by law:

Social Security Retirees and Pensioners: The total margin is 45%. Of this amount, 35% are exclusive to conventional consigned loans, 5% for consigned credit cards (RMC), and 5% for benefit consigned cards (RCC).
Federal Public Servants (SIAPE): They follow the same general rule as social security, totaling 45% of deduction margin (35% for loans, 5% for consigned credit cards, and 5% for benefit cards).
CLT Private Sector Workers: Regulated by Law No. 10,820/2003, the total consignment margin is 35%, with 30% for classic consigned loans and an additional 5% exclusively for consigned credit cards.

How is the available margin calculated?

The formula is based on net income. First, we subtract mandatory deductions (such as income tax and social security) from the gross income. The resulting amount is multiplied by the legal margin percentage. Finally, we subtract the amount of installments that the user already has active. The remaining balance is the Available Margin (or Free Margin).

Frequently Asked Questions

The margin becomes negative when the sum of your consigned loan installments exceeds the legally permitted limit (for example, after a salary reduction or loss of benefits). In these cases, banks are prevented from granting new loans, and the payroll suspends new consignments. Regularization occurs by paying off ongoing loans or refinancing the terms of active debts to reduce the monthly installment amount.

Yes, it serves for physical and digital purchases and cash withdrawals. The big difference is that the minimum payment of the bill (usually equivalent to 5% of your net income) is automatically deducted directly from your payroll or benefit. The rest of the bill must be paid via bank slip; otherwise, it enters the consigned credit card revolving credit (whose rates are regulated and much lower than those of conventional credit cards).

It is the transfer of a consigned loan debt from one bank to another that offers lower interest rates. The new bank pays off the original debt balance and assumes the debt under new conditions. Portability allows the borrower to reduce the monthly installment amount (which "frees up" consignment margin on their payroll) or receive a cash refund ("change").