Want to Retire but Not Sure Which Rule Is Best?

This page is a translation of the original Portuguese text, provided for convenience. It deals with Brazilian law. If there is any discrepancy, the Portuguese version prevails. Read the original in Portuguese

Choosing the right rule for retirement is one of the most important decisions of your financial life. Since the 2019 reform, there are several transition rules, and the most obvious one is not always the one that gets you retired sooner or pays you the most.

Why this matters

• Each rule has different requirements for age, contribution time, and points.
• Applying under the wrong rule could mean receiving less for the rest of your life.
• Small differences in contribution time can change which rule you fall under.

Start here

Use our free tool to estimate how many months you are from meeting each rule, without sending any documents. Then we can carefully review your CNIS (Brazil’s National Social Information Registry) to confirm the best path.