Debt on CPF? The New Desenrola Brasil Calculator shows discounts, installments, use of FGTS, and how much you can pay to clear your name more securely before reaching an agreement with banks.

Written by Caio Aviz

Published on 19/05/2026 at 17:53

Be the first to react!

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.

ARTICLE CONTINUES BELOW

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?

Debt on CPF? The New Desenrola Brasil Calculator shows discounts, installments, use of FGTS, and how much you can pay to clear your name more securely before reaching an agreement with banks.

Simulator shows installments that fit the budget

System calculates discounts, down payment, and estimated interest

Users of Uber, iFood, and 99 will notice an immediate change in the apps after a new law mandates 24-hour support, visible support channels, an available phone number, and a direct link for complaints, suggestions, and incident reports throughout the use of the services.

Who can use the Novo Desenrola calculator

Use of FGTS can reduce outstanding balance

New phase seeks to remove more consumers from default

While an average building in London or New York takes three years to be completed, in China a 26-story tower went up in five days with about 100 workers, and the global modular construction market already moves US$ 95 billion per year.

Australia installs giant concrete structures on the seabed 800 meters from the shore to create an ocean intake for desalination that will draw in saltwater and produce 30 million liters of drinking water per day.

While a traditional school may take several days just to raise walls, in Malawi a 3D-printed school had its structure ready in 18 hours, welcomed children in June, and showed a new solution to the lack of classrooms.

Goodbye traditional washing machine: Panasonic surprises housewives with the NA-G5 featuring four drums, a 13 kg washer and dryer, a 12 kg dryer, independent mini washers, a heat pump, and a 4-in-1 system awarded at the German Design Award.

While cities spend fortunes patching potholes and tons of plastic become waste, the Netherlands transforms over 218,000 recycled cups into a modular bike path that can conceal drainage, cables, and pipes.

A public school student single-handedly created a machine capable of treating water for up to 50 people using only solar energy. It was awarded third place at one of the most important science fairs in the world.

THE WORLD’S LARGEST ESCALATOR! China inaugurates a giant 905-meter structure in a mountainous region and impresses with its engineering

While millions spend energy trying to cool stuffy houses, an ancient architecture from the southern United States split the house in half to let the wind pass through, created shade in the center of the dwelling, and today is back on the radar against extreme heat.

Researchers discover that a rare galaxy 100 million light-years away is undergoing a never-before-seen cosmic transition, and Hubble photographs the phenomenon.

Woman loses Mega da Virada ticket, has withdrawal denied by Caixa, and manages to receive R$ 14,000 in court after Pix, WhatsApp, and notarial record prove she was part of the winning pool.

Debt on CPF? The New Desenrola Brasil Calculator shows discounts, installments, use of FGTS, and how much you can pay to clear your name more securely before reaching an agreement with banks.

Simulator shows installments that fit the budget

System calculates discounts, down payment, and estimated interest

Users of Uber, iFood, and 99 will notice an immediate change in the apps after a new law mandates 24-hour support, visible support channels, an available phone number, and a direct link for complaints, suggestions, and incident reports throughout the use of the services.

Who can use the Novo Desenrola calculator

Use of FGTS can reduce outstanding balance

New phase seeks to remove more consumers from default

While an average building in London or New York takes three years to be completed, in China a 26-story tower went up in five days with about 100 workers, and the global modular construction market already moves US$ 95 billion per year.

Australia installs giant concrete structures on the seabed 800 meters from the shore to create an ocean intake for desalination that will draw in saltwater and produce 30 million liters of drinking water per day.

While a traditional school may take several days just to raise walls, in Malawi a 3D-printed school had its structure ready in 18 hours, welcomed children in June, and showed a new solution to the lack of classrooms.

Goodbye traditional washing machine: Panasonic surprises housewives with the NA-G5 featuring four drums, a 13 kg washer and dryer, a 12 kg dryer, independent mini washers, a heat pump, and a 4-in-1 system awarded at the German Design Award.

While cities spend fortunes patching potholes and tons of plastic become waste, the Netherlands transforms over 218,000 recycled cups into a modular bike path that can conceal drainage, cables, and pipes.

A public school student single-handedly created a machine capable of treating water for up to 50 people using only solar energy. It was awarded third place at one of the most important science fairs in the world.

Company closes its doors, lays off employees, and accelerates global restructuring plan to cut costs after the automotive sector crisis eliminates hundreds of jobs and shuts down operations of a German multinational in Ohio, United States.

Shopee chooses Londrina to open a 100,000 m² megacenter in Paraná, in a project that promises to generate 2,000 direct jobs and transform the city into a strategic point for deliveries in the South, São Paulo, and Mato Grosso do Sul.

Brigadeiro becomes a R$ 300,000 per month business in Porto Alegre after a couple transforms an empty store into a buffet inspired by children’s parties, which now attracts up to 600 customers per weekend and turns down reservations due to lack of space.

Havan advances in Rio Grande do Sul, builds a megastore of 10,000 square meters on BR-470, invests R$ 90 million, creates 200 direct jobs, and confirms a historic opening for June 2026 in Garibaldi, in Serra Gaúcha.

Cooperative that already reaches 77% of Brazilian households announces R$ 600 million to expand a slaughterhouse in SC and slaughter 5,000 pigs per day, more than double the current amount, with over a thousand new jobs in the Extreme West of Santa Catarina.

THE WORLD’S LARGEST ESCALATOR! China inaugurates a giant 905-meter structure in a mountainous region and impresses with its engineering

While millions spend energy trying to cool stuffy houses, an ancient architecture from the southern United States split the house in half to let the wind pass through, created shade in the center of the dwelling, and today is back on the radar against extreme heat.

Researchers discover that a rare galaxy 100 million light-years away is undergoing a never-before-seen cosmic transition, and Hubble photographs the phenomenon.

Woman loses Mega da Virada ticket, has withdrawal denied by Caixa, and manages to receive R$ 14,000 in court after Pix, WhatsApp, and notarial record prove she was part of the winning pool.