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Do you know how to calculate your 13th-month salary? Besides learning how it's calculated, you'll also discover how to advance the amount.
The thirteenth-month salary is one of the most anticipated benefits of the year. It provides a breathing space for the economy at the end of the year and also for the finances of millions of Brazilians.
Other than that, it is still the main stimulator of trade between November and December.
Brazilians use money to buy gifts, pay debts, buy clothes, pay for Christmas and New Year's Eve dinners, travel, etc.
In today's text, you will discover more details about the benefit, who is eligible, and how to calculate it.
Don't forget to follow!
What is the thirteenth salary?
Also known as Christmas bonus or Christmas allowance, the thirteenth salary is a benefit that gives the worker an extra salary per year.
Generally, the amount is divided into two installments and credited to the worker's account between November 20th and December 20th.
If the company chooses to pay the Christmas bonus in full, it must do so by November 30th, and the first installment cannot be deposited later than this date.
The first installment must correspond to at least 50% percent of the worker's previous month's salary.
Who is entitled to the Christmas bonus?
Both rural and urban workers who work under the CLT regime, that is, with a signed employment contract.
However, you must have worked at least 15 days to receive the Christmas bonus.
INSS retirees and pensioners are also entitled to the INSS thirteenth salary, provided they received the benefit for:
- Temporary disability;
- Retirement;
- Accident benefit;
- Maternity pay;
- Survivor's pension;
- Prison assistance.
How to calculate 13th salary?
According to Law 40.090/1962, the Christmas Bonus will correspond to 1/12 of the remuneration due in December, per month of service, of the corresponding year.
Therefore, the value of the thirteenth salary is equal to the value of the worker's net monthly salary.
To calculate how much you will receive in the first installment, you must divide your salary by 12, then multiply the result by the number of months worked and divide by 2.
Since the amount of the first installment cannot be less than 50%, you can also divide the amount of your last salary by 2.
It is worth noting that mandatory INSS and IR discounts are applied to the thirteenth salary amount (if the salary amount exceeds the exemption).
Discounts usually occur on the second installment, so the amount is always lower than the first.
See the INSS tax rate table below, this way it is easier calculate the 13th salary.
| Contribution salary | Aliquot |
| up to R$ 1,302.00 | 7,50% |
| R$ 1,302.01 to R$ 2,571.29 | 9% |
| R$ 2,571.30 to R$ 3,856.94 | 12% |
| R$ 3,856.95 to R$ 7,507.49 | 14% |
On the Mobills website, they provide a calculator, as well as more details about the calculation.
So, if you want to achieve the result without breaking your head, use Mobills' thirteenth salary calculator.
Did you know that you don't have to wait until December to receive your full thirteenth birthday?
Continue reading and find out how to anticipate the values!
How does the thirteenth salary advance loan work?
Payment is made between November and December, money is the main stimulant of the economy in these months.
A large part of the thirteenth salary is used in businesses to buy gifts, clothes and household appliances.
However, many workers have different plans for this money, for example, using it to organize their finances.
Regardless of what you do with this money, did you know you can have it before the end of the year to use in an emergency?
That's right!
Some banks offer a type of credit focused on bringing forward the thirteenth salary.
It works like this: he lends you the amount equivalent to your thirteenth birthday, and you return it plus interest.
Generally, the loan debt ends in December, when the last installment of the tenth payment is deposited into the worker's account.
As there is a guarantee, the risk of default is lower, therefore, the interest rate is lower and the modality does not have much bureaucracy, even accepting those with negative credit, in some alternatives.
Some conditions may vary depending on each bank or financial institution, so now that you've found out how to calculate the 13th salary, find out below some options loan with advance payment.
1. Advance payment of the Bradesco Thirteenth Salary
At Bradesco, you can advance your tenth salary and only pay it in December. The product is available only to individual account holders who receive their salary or INSS benefits through the bank.
You can advance up to 100% of the amount and pay in a single installment, the credit payment is limited until 12/20/2023.
This credit can be taken out until 10/31/2023 and the minimum amount is R$200.00.
However, there is a maximum value as well, it cannot reach R$50 thousand.
You can settle the debt in advance, if you prefer, through the Bradesco app or Internet Banking.
After approval, the money will be deposited into your account within a few hours for you to use as you wish, without needing to provide proof of use.
You can pay your thirteenth salary in advance through the Bradesco app, Internet Banking, at a branch or at self-service machines.
If you are not yet a customer, open your checking account at Bradesco.
2. Federal Savings Bank
To apply for this type of loan from Caixa, you must have a salary credit from Caixa and be a retiree or pensioner of the INSS.
After signing up, the amount is deposited into your account the next day. Advance payments can range from R$1,000.00 to R$1,000.00.
Payment is made in a single installment, on the same date as the thirteenth salary.
The interest applied by Caixa is pre-fixed, according to the rate in effect on the date of contracting.
In addition to interest, there is also an IOF charge, as with any other credit transaction.
To request, go to your Caixa branch.
3. Crefisa
Are you in debt and in urgent need of money?
At Crefisa you can pay your thirteenth salary in advance and receive the money the next day.
Hiring can be done online, via WhatsApp or at any Crefisa service point.
Among the advantages offered by Crefisa, we highlight, for example:
- Accepts those with negative credit ratings;
- Online or in-person hiring;
- You don't need to be an account holder;
- Payment can be made via bank slip;
- Personalized interest rate.
4. Itaú
If you are an Itaú bank customer and receive your salary in a current account, you don't need to wait to receive your thirteenth salary, because it also offers a loan with an advance on the thirteenth salary.
Payment is made in just one installment, automatically deducted from your checking account.
The funds are released as soon as the contract is approved. Furthermore, Itaú offers reduced rates.
To simplify your life, you can apply for credit by phone, app, online banking or at a branch.
Therefore, choose the most practical and efficient service channel for you and apply for your loan.
If you're not yet a customer, open your account without leaving home using the Abre Conta app.
5. Bank of Brazil
At Banco do Brasil, this credit can be requested by anyone who receives a salary, retirement or pension through credit at BB.
Hiring can be done anytime, anywhere, through the bank's app.
At BB, credit is released at the time of contracting, payment is also made in a single installment or due in the contract.
You can advance up to R$1,000 in advance. See the terms and conditions below.
- Be a Banco do Brasil account holder;
- Receive salary in BB current account;
- Have a current credit limit available;
- Own Agreement for Adherence to the General Clauses of the CDC Signed.
Access your BB account through the app, click in the following order:
- Loan;
- Consigned/personal credit;
- Advance your credits;
- BB Credit Thirteenth.
6. Santander
If you are curious to find out how calculate the 13th salary still in March, it is because you must be anxious to receive the benefit.
The good news is that if you are a Banco Santander customer, you can also anticipate the amounts to be received only in December.
At the bank, you can advance up to 100% of your thirteenth salary, without bureaucracy.
The credit is exclusive to customers who receive their salary from Santander, and can be obtained through Internet Banking, ATMs, Customer Service Center or branches.
7. Mercantile of Brazil
The advance loan from Banco Mercantil do Brasil is intended only for INSS beneficiaries.
To apply, it is essential to have a pre-approved limit. At Mercantil, it is also only possible to advance part of the thirteenth salary.
Payment can be made in up to 2 installments, depending on the date of contracting.
To sign up, go to a Mercantil branch, through the self-service terminals or speak to the manager.
Conclusion
In this text you discovered what it is and how calculate 13th salary. In addition, it has found some credit solutions for those who want to anticipate this benefit.
Before you decide, be sure to choose the most economical alternative and use your money wisely.
Read also: Caixa Tem won't open? Learn what to do in this situation!
