MEIs will face an increase in monthly contributions in 2025 due to the new minimum wage. Prepare for the new amounts and understand how to adjust your budget to continue enjoying benefits such as retirement, sick pay and maternity pay. Settle debts by January to avoid complications.
A significant change is about to directly impact your pocket and your business's financial planning. Starting in February 2025, monthly contributions to the INSS will undergo adjustments that require your full attention.
Get ready to understand how these changes may affect your finances and what steps you can take to stay compliant and ensure your social security rights.
Adjustment of MEI contributions in 2025
As announced by the National Institute of Social Security (INSS), the increase in the minimum wage to R$1.518,00 will directly impact the value of contributions by Individual Microentrepreneurs (MEIs).
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The monthly contribution, which corresponds to 5% of the minimum wage, will increase from R$70,60 to R$75,90. For MEI truck drivers, whose rate is 12%, the amount will be adjusted to R$182,16.
Details of the new values
- Standard MEI: Contribution of R$ 75,90 (5% of the minimum wage).
- MEI truck driver: Contribution of R$ 182,16 (12% of the minimum wage).
- Activities subject to ICMS: Increase of R$ 1,00.
- Activities subject to ISS: Increase of R$ 5,00.
Therefore, the total amount of the monthly contribution may vary depending on the activity carried out by the MEI. For example, an MEI that provides services and is subject to ISS will pay R$80,90 per month.
Impact on the financial planning of MEIs
This adjustment requires that the micro-entrepreneurs reevaluate their budgets to accommodate the new contribution amount.
It is essential to adjust financial planning to avoid surprises and ensure the continuity of social security benefits.
Benefits ensured by the contribution
Keeping contributions up to date guarantees the MEI access to various social security benefits, such as:
- retirement by age: 65 years for men and 62 years for women, with a minimum contribution period of 15 years.
- sick pay: In cases of temporary incapacity for work.
- Maternity pay: For insured women on maternity leave.
- Pension for death: Benefit intended for dependents in the event of the death of the insured.
It is important to highlight that, to be entitled to retirement based on contribution time, the MEI must make a complementary contribution of 15%, in addition to the 5% already paid.
These additional contributions can be made monthly or in a single installment when applying for retirement.
Deadline for regularizing debts
Microentrepreneurs have until January 31, 2025 to settle any tax issues with the Federal Revenue Service.
Failure to regularize may result in exclusion from Simples Nacional and the loss of tax benefits, in addition to making it difficult to obtain credit and financing.
How to issue the updated DAS
The Simples Nacional Collection Document (DAS) is now available with updated values for 2025.
MEIs can issue the payment slip through the Entrepreneur Portal or through the MEI app, available for iOS and Android devices.
The first payment with the new value is due on February 20, 2025, for the month of January.
Strategies to absorb the increase
To minimize the impacts of the adjustment, MEIs can adopt the following strategies:
- Price review: Evaluate the possibility of readjusting the values of the products or services offered.
- Cost reduction: Identify and cut unnecessary expenses or renegotiate contracts with suppliers.
- Productivity increase: Invest in training and technologies that optimize processes and increase efficiency.
Importance of financial education
Investing in financial education is essential for MEIs to be able to manage their business sustainably. Understanding cash flows, planning expenses and income, and being aware of tax obligations contributes to the financial health of the business.
Future prospects for MEIs
With the increase in the number of microentrepreneurs in Brazil, it is likely that new changes will occur in the contribution and benefits system.
Keeping informed about possible legislative and economic changes is essential for business adaptation and continuity.
The adjustment in MEI contributions in 2025 reflects the update of the minimum wage and seeks to maintain the balance of the social security system.
It is essential that microentrepreneurs are aware of changes, adjust their financial plans and stay informed to guarantee their rights and the sustainability of their businesses.
Are you prepared to deal with the new contribution values and maintain the financial health of your business in 2025?