The Simple And 100% Legal Trick That Allows Individual Microentrepreneurs (MEI) To Increase Their Retirement And Escape The Limitation Of A Minimum Wage

Written by Bruno Teles

Published on 25/09/2025 at 11:59

MEI pode aumentar a aposentadoria ao fazer contribuição complementar via GPS e escapar da limitação do salário mínimo, garantindo mais segurança no futuro

2 people reacted to this.

Microentrepreneur Can Use Additional Contribution to Increase Benefits Value and Ensure More Financial Security in the Future.

The MEI that only pays the National Simple Collection Document (DAS) is entitled to retirement limited to one minimum wage. This is the standard rule for those who contribute only 5% of the minimum wage.

But there is a little-known and completely legal option: the additional contribution via the Social Security Guide (GPS). This resource allows the microentrepreneur to increase the value of their future retirement and escape the limitation imposed on the minimum benefit, according to experts consulted by Economia Real.

How the Current Rule for MEI Works

The monthly payment of DAS guarantees the MEI access to social security rights such as sickness benefit, maternity leave, prison aid, and death pension. However, the retirement benefit by age is always limited to the minimum wage, regardless of the contribution time.

ARTICLE CONTINUES BELOW

The Legal Trick of Additional Contribution

According to Juliana Ribas, a consultant at Contabilizei, the MEI can complement the 5% paid by the DAS with an additional 15% on a salary of their choice, which can range from the minimum to the maximum of INSS.
This additional is made through the GPS, which must be generated and paid monthly. The higher the chosen contribution value, the greater the future benefit, explains the specialist.

This mechanism works as a sort of “shortcut” within the law, allowing the microentrepreneur to achieve a more robust retirement without giving up the advantages of the MEI simplified regime.

Risks of Relying Solely on the Minimum

Nathan Kemer, operations manager for MEI at Razonet, emphasizes that relying solely on the basic contribution can be a problem. The risk is having the benefit frozen at the minimum value, which does not keep pace with the growth of personal expenses over life.

Therefore, in addition to the additional contribution, Kemer recommends that the microentrepreneur also build personal savings through investments or long-term funds, ensuring extra security beyond what the INSS can offer.

Care When Paying the Additional GPS

Experts warn about some important points before opting for the additional contribution:

Check the guide’s data before issuing the payment, avoiding typing errors.

Correctly calculate the additional 15% on the chosen salary of contribution.

Pay on time, avoiding fines and interest that may compromise planning.

Keep the payment receipts, as they may be required by the INSS in the future.

Consult a social security specialist to define the ideal strategy according to each contributor’s contribution history.

These precautions ensure that the additional effort truly reflects in a higher retirement, without errors that harm the final calculation.

The legal path for the MEI to escape the minimum retirement exists and can make a significant difference in the future. The additional contribution is simple, accessible, and can be combined with personal investment strategies to enhance financial security.

And you, have you thought about supplementing the MEI contribution to increase your retirement? Do you believe that this “legal trick” could be the solution to ensure more peace of mind in the future? Share your opinion in the comments.

1 Comment

most recent

older Most voted

Built-in feedback

View all comments

Maria Almeida

#179889

26/09/2025 18:44

Estava buscando por isso…me diziam que nao podia…agora eu pergunto tem que ser durante os 15 anos…pq me falta 5 anos pra pagar?

Respond

The Simple And 100% Legal Trick That Allows Individual Microentrepreneurs (MEI) To Increase Their Retirement And Escape The Limitation Of A Minimum Wage

Microentrepreneur Can Use Additional Contribution to Increase Benefits Value and Ensure More Financial Security in the Future.

How the Current Rule for MEI Works

The Legal Trick of Additional Contribution

Risks of Relying Solely on the Minimum

Care When Paying the Additional GPS

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.

A Chinese factory in Guangdong is assembling a humanoid robot every 30 minutes while Tesla, Figure, and Boston Dynamics still struggle to deliver 10 thousand 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.

Secret chamber sealed 4,500 years ago found in the Pyramid of Khufu, and Hawass announces its opening to the world in 2026

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.

Germany installed vertical solar panels on a lake in Bavaria, and the result broke conventional logic: instead of producing energy at midday peak, the plant generates more early in the morning and in the evening, exactly when families turn on appliances and factories are in full swing.

While communities suffer from water scarcity and the advancing desert, women in Morocco use nets high up in the mountains to trap fog droplets, fill reservoirs, and transport drinking water through more than 10 km of piping.

While Brazil discussed the transition, Petrobras unlocked 11 new platforms in the pre-salt until 2027 — Búzios alone receives 6 FPSOs and targets 1 million barrels/day.

Researchers find in Rome the oldest English-language poem lost in a medieval book, and the discovery changes what was known about the strength of Old English.

It seems like space technology, but it has become defense in the field: China uses basalt fibers tested on the Moon to protect crops against desertification.

While nuclear explosions go unnoticed at 1,000 km, the loudest sound in history was heard at 4,800 km and circled the planet four times.

Iran targets submarine cables in the Strait of Hormuz and threatens to create a “digital toll” that could affect Google, Meta, Microsoft, and Amazon on the main route of the global internet.

The Simple And 100% Legal Trick That Allows Individual Microentrepreneurs (MEI) To Increase Their Retirement And Escape The Limitation Of A Minimum Wage

Microentrepreneur Can Use Additional Contribution to Increase Benefits Value and Ensure More Financial Security in the Future.

How the Current Rule for MEI Works

The Legal Trick of Additional Contribution

Risks of Relying Solely on the Minimum

Care When Paying the Additional GPS

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.

A Chinese factory in Guangdong is assembling a humanoid robot every 30 minutes while Tesla, Figure, and Boston Dynamics still struggle to deliver 10 thousand 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.

Secret chamber sealed 4,500 years ago found in the Pyramid of Khufu, and Hawass announces its opening to the world in 2026

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.

Germany installed vertical solar panels on a lake in Bavaria, and the result broke conventional logic: instead of producing energy at midday peak, the plant generates more early in the morning and in the evening, exactly when families turn on appliances and factories are in full swing.

While communities suffer from water scarcity and the advancing desert, women in Morocco use nets high up in the mountains to trap fog droplets, fill reservoirs, and transport drinking water through more than 10 km of piping.

New Inmetro label removes D, E, and F refrigerators from shelves in Brazil since January: classes A, B, and C now pay up to R$ 400 less on the electricity bill.

CNH do Brasil sets record with 303% increase in the first four months of 2026: 4.8 million applied for their first driver’s license

Cold front advances to the South of Brazil this Sunday with up to 150 mm of rain and a new polar mass drops temperature in three states

Small city in Rio Grande do Sul receives Havan megastore with 11,000 m², four cinemas, and a food court, in a unit that will be the 192nd of the chain and reinforces the expansion plan for all Brazilian states.

While Brazil discussed the transition, Petrobras unlocked 11 new platforms in the pre-salt until 2027 — Búzios alone receives 6 FPSOs and targets 1 million barrels/day.

Researchers find in Rome the oldest English-language poem lost in a medieval book, and the discovery changes what was known about the strength of Old English.

It seems like space technology, but it has become defense in the field: China uses basalt fibers tested on the Moon to protect crops against desertification.

While nuclear explosions go unnoticed at 1,000 km, the loudest sound in history was heard at 4,800 km and circled the planet four times.

Iran targets submarine cables in the Strait of Hormuz and threatens to create a “digital toll” that could affect Google, Meta, Microsoft, and Amazon on the main route of the global internet.