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The 13th Salary of the INSS in 2026 Tends to Repeat the Anticipation in the First Semester, with Two Installments in April and May, Payment Ordered by the End of the Card, and Income Tax Deduction in the Second Stage for Some Retirees and Pensioners, According to the Federal Government’s Expectations This Year
The 13th salary of the INSS in 2026 remains at the center of the calculations for retirees and pensioners because the federal government is expected to maintain the release in the first semester, with the first installment in April and the second in May, repeating the pattern of recent years to boost income.
Even with the expectation for April and May, the exact dates have not yet been officially announced. The INSS organizes payments by the end of the card, which creates a staggered calendar and avoids deposit concentration, while the second installment may bring income tax deductions when applicable.
Why April and May Have Turned into the Most Observed Window
The anticipation of the 13th salary of the INSS gained strength during the pandemic and has been treated as an effective mechanism to boost earnings.
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In 2026, the projection returns to place April and May as references, with the benefit divided into two installments and no additional spending, because the amount is already foreseen in the budget.
For retirees and pensioners, the window of April and May changes the rhythm of the household budget by concentrating half of the annual bonus at the beginning of the second quarter and the other half shortly after.
If the advance does not occur, the indicated alternative is payment at the end of the year.
How the Two Installments Work and Where the Income Tax Comes In
The model of the 13th salary of the INSS consists of two installments.
The first corresponds to 50% of the monthly benefit and is paid in full, without deductions, a point that tends to weigh on the short-term decisions of retirees and pensioners.
The second installment also corresponds to 50%, but includes legal deductions when applicable.
It is at this stage that the demand for income tax may arise, with incidence in the second installment for those who meet the applicable rules.
Order by the End of the Card and What Has Not Been Officialized
The INSS organizes the releases of the 13th salary of the INSS according to the last number of the beneficiaries’ cards.
This rule creates predictability in the queue and allows retirees and pensioners to identify their position in the calendar as soon as the dates are officially confirmed.
So far, what exists is the expectation of April and May, without formal announcement of the exact dates.
In practice, the order by the end of the card remains the central criterion, keeping the payment distributed throughout the period.
Who is Entitled to the 13th Salary of the INSS and Who Does Not Receive
The 13th salary of the INSS is guaranteed to retirees in all modalities and to pensioners.
It also includes beneficiaries of sickness benefits, accident benefits, and imprisonment benefits, forming a broad group that reaches approximately 34 million people, according to the latest recorded data.
Beneficiaries of the BPC, Continuous Cash Benefit, do not have the right to the 13th salary of the INSS as it is an assistive benefit.
This distinction is crucial to avoid confusion in the financial planning of retirees and pensioners.
Why the Advance Matters and How to Plan Without Closed Dates
The anticipation of the 13th salary of the INSS is presented as a measure to alleviate financial difficulties for many families.
With the first half without deductions and the second potentially subject to income tax, the difference between the installments can be significant for retirees and pensioners when organizing expenses.
With April and May on the radar, the safest advice is to monitor the official confirmation of the calendar and check the end of the card before taking on commitments.
Effective financial planning helps use the 13th salary of the INSS to pay off debts, invest in health, or set aside for emergencies, without relying on improvisation.
Are you already counting on April and May in your budget, or do you prefer to wait for the official INSS calendar before deciding?
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