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Tool created by the Ministry of Finance allows consumers to simulate discounts, installments, down payments, estimated interest, and even the use of FGTS before closing agreements with banks and financial institutions within the rules of the New Desenrola Brasil, offering more clarity for families trying to reorganize their budget, renegotiate accumulated debts, and clear their name with more security in light of the increase in default in the country
A new digital tool for debt renegotiation was launched by the Ministry of Finance and has caught the attention of consumers trying to reorganize their budget.
A new digital tool for debt renegotiation was launched by the Ministry of Finance and has caught the attention of consumers trying to reorganize their budget.
The online calculator of the New Desenrola Brasil – Families allows simulating values before closing agreements with banks and financial institutions. According to the Ministry of Finance, the system presents approximate installments, expected discounts, down payment, estimated interest, and possible use of FGTS.
The resource mainly serves families with an income of up to five minimum wages, equivalent to R$ 8,105, according to the program’s parameters. Thus, the tool aims to reduce doubts, facilitate financial planning, and provide more security to those trying to clear their name.
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Simulator shows installments that fit the budget
The calculator was created to help consumers understand, before negotiation, if the agreement really fits their budget. In this way, the user can compare scenarios before accepting a proposal presented by banks or financial institutions.
The launch occurs amid the tightening of the family budget and the increase in demand for renegotiations. According to the Ministry of Finance, the proposal is to expand access to official information and reduce the insecurity of those still facing overdue debts.
System calculates discounts, down payment, and estimated interest
The tool follows the rules of the New Desenrola Brasil to create renegotiation simulations. Among the factors evaluated are the debt amount, delay time, and minimum discounts provided by the program.
With this, the consumer can check estimates of down payment, number of installments, applied discounts, and approximate interest rate. Similarly, the system allows simulating the use of FGTS to reduce the outstanding balance or decrease the installment amounts.
Who can use the Novo Desenrola calculator
The calculator was developed for individuals with an income of up to five minimum wages. Therefore, the focus is on consumers with negative credit or difficulty reorganizing accumulated accounts in recent years.
The program includes bank debts, credit card, overdraft, personal loans, and overdue financing. According to the Ministry of Finance, the platform also serves as an official reference during negotiations, reducing the risk of scams and misleading proposals.
Use of FGTS can reduce outstanding balance
One of the most relevant features of the platform is the simulation with the FGTS balance. The function allows you to see how much using the fund can reduce the total debt amount or the monthly installments.
According to the government’s assessment, this feature can accelerate agreements and ease the burden of installments on the budget. Even so, the simulation offers more clarity for those still evaluating whether to include the FGTS in the negotiation.
New phase seeks to remove more consumers from default
The calculator is part of the new phase of Novo Desenrola Brasil, created to expand the program’s reach and accelerate the removal of consumers from default registries.
Financial sector data indicate that millions of Brazilians still face CPF restrictions, difficulty accessing credit, and high interest rates. Therefore, the economic team’s expectation is to strengthen financial planning and encourage new renegotiations in the coming months.
Meanwhile, the tool emerges as an alternative for those who wish to evaluate discounts, installments, and conditions before entering a new agreement. With more information available before negotiation, can the Novo Desenrola calculator help more Brazilians clear their name safely?
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