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In this article, you will understand how monitoring Pix from IRS may result in charges of income tax, how tax inspections work, practical tax calculations and the consequences of omitting income
*ATTENTION! THIS ARTICLE WAS WRITTEN BEFORE THE REPEAL OF THE PIX MONITORING LAW BY THE MINISTER OF FINANCE FERNANDO HADDAD*
O Pix, an instant transfer tool created by the Central Bank, has revolutionized the way Brazilians move their money. However, increased monitoring by IRS has generated heated discussions about the payment of tax and the risk of being criminalized for prevarication.
What is Pix monitoring by the Federal Revenue Service?
A IRS monitors financial transactions in Brazil to ensure compliance with tax laws. With the Pix, it has become easier to track movements, especially those that exceed the exemption limits of the income tax. Currently, the IR table establishes:
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- Exempt: Until R$2.259,20 monthly
- 7,5%: From R$2.259,21 a R$2.826,65
- 15%: From R$2.826,66 a R$3.751,05
- 22,5%: From R$3.751,06 a R$4.664,68
- 27,5%: Above R$4.664,68
This monitoring occurs automatically, crossing the financial movements with the statements of income tax. If there are discrepancies, such as income higher than that reported, the IRS may take action against the taxpayer.
Practical example with calculations
Imagine the case of João, a self-employed electrician who receives his payments exclusively via Pix. During the month, he receives the following amounts:
- Pix 1: R$2.500
- Pix 2: R$1.200
- Pix 3: R$2.000
Total received: R$5.700 in the month.
According to the IR table, since João exceeded the exemption ceiling, he should pay 27,5% on the portion that exceeds R$4.664,68. Let's calculate:
- Taxable value: BRL 5.700 - BRL 4.664,68 = BRL 1.035,32
- Tax due: 27,5% x R$1.035,32 = R$284,21
Therefore, John should pay R$284,21 de income tax for the month. If he does not declare it, he will be subject to fines and interest.
How can the Federal Revenue interpret this movement?
If John does not declare this income, the IRS may be considered tax evasion. If an inspector identifies this omission and decides to ignore it, he may be charged with prevarication, as it is their duty to monitor and collect due taxes.
If the error is identified, João may be fined. fine for failure to report income can reach 75% of the amount due, plus Selic interest. In the example, this would represent:
- Traffic ticket: 75% BRL 284,21 = BRL 213,15
- Total to pay: R$497,36 (tax + fine)
Tips to avoid problems
- Declare your income: Movements via Pix must be compatible with the values declared in the income tax.
- Keep receipts: Keep records of all transactions.
- Consult an accountant: Specialized professionals can provide guidance on tax obligations.
The monitoring of Pix from IRS does not imply new taxes, only compliance with existing rules. Criminalization for prevarication It only occurs when there is intentional omission on the part of a tax agent.
Do you believe that this inspection will bring more tax justice or will it only harm small entrepreneurs?
