{"id":1033,"date":"2026-10-28T09:17:13","date_gmt":"2026-10-28T12:17:13","guid":{"rendered":"https:\/\/contaja.com.br\/lp\/?page_id=1033"},"modified":"2026-10-28T09:41:03","modified_gmt":"2026-10-28T12:41:03","slug":"calculadora-autonomo-pj","status":"publish","type":"page","link":"https:\/\/contaja.com.br\/lp\/calculadora-autonomo-pj\/","title":{"rendered":"Calculadora Aut\u00f4nomo x PJ"},"content":{"rendered":"\n<!-- contaja:camada-de-design -->\n<link rel=\"preload\" as=\"font\" type=\"font\/woff2\" href=\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/fonts\/coolvetica.woff2\" crossorigin>\n<link rel=\"preload\" as=\"font\" type=\"font\/woff2\" href=\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/fonts\/coolvetica-light.woff2\" crossorigin>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link rel=\"stylesheet\" href=\"https:\/\/fonts.googleapis.com\/css2?family=Raleway:wght@400;500;600;700&amp;display=swap\">\n\n\n\n<style>\n@font-face{\n  font-family:\"Coolvetica\"; font-style:normal; font-weight:700;\n  font-display:swap;\n  src:url(\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/fonts\/coolvetica.woff2\") format(\"woff2\");\n}\n@font-face{\n  font-family:\"Coolvetica\"; font-style:normal; font-weight:200;\n  font-display:swap;\n  src:url(\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/fonts\/coolvetica-light.woff2\") format(\"woff2\");\n}\n:root{\n  --papel:#F2EFE4;\n  --escuro:#022601;\n  --inst:#488C03;\n  --neon:#84BF04;\n  --erro:#AD343E;\n  --inst-texto:#367202;\n  --tinta-clara:#3A4E36;\n  --tinta-escura:#D3D9C6;\n  --borda:#DBD6C6;\n  --filete-claro:rgb(2 38 1 \/ .14);\n  --filete-escuro:rgb(242 239 228 \/ .18);\n  --faixa:1200px;\n  --leitura:800px;\n  --respiro:clamp(64px,8.5vw,116px);\n  --raio:22px;\n  --raio-lg:30px;\n  --raio-xl:40px;\n  --raio-btn:70px;\n  --display:\"Coolvetica\",\"Raleway\",system-ui,sans-serif;\n  --texto:\"Raleway\",system-ui,-apple-system,\"Segoe UI\",sans-serif;\n  --curva:cubic-bezier(.23,1,.32,1);\n  --dur:220ms;\n  --z-foto:3;\n  --z-topo:20;\n  --z-barra:30;\n}\n.grao{\n  position:fixed;inset:0;z-index:40;pointer-events:none;opacity:.055;\n  background-image:url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='4' stitchTiles='stitch'\/%3E%3C\/filter%3E%3Crect width='180' height='180' filter='url(%23n)'\/%3E%3C\/svg%3E\");\n}\n*{box-sizing:border-box}\nhtml{scroll-behavior:smooth;scroll-padding-top:104px}\n@media (prefers-reduced-motion:reduce){ html{scroll-behavior:auto} }\nbody{\n  margin:0;\n  background:var(--papel);\n  color:var(--escuro);\n  font-family:var(--texto);\n  font-size:16px;\n  line-height:1.6;\n  -webkit-font-smoothing:antialiased;\n  overflow-x:hidden;\n}\nimg{display:block;max-width:100%;height:auto}\na{color:inherit}\n.faixa{width:100%;max-width:var(--faixa);margin-inline:auto;padding-inline:clamp(20px,4vw,48px)}\n.bloco{padding-block:var(--respiro);position:relative;overflow:hidden}\n.bloco--papel{background:var(--papel);color:var(--escuro)}\n.bloco--escuro{background:var(--escuro);color:var(--papel)}\n.bloco--inst{background:var(--inst);color:var(--papel)}\n.bloco--neon{background:var(--neon);color:var(--escuro)}\nh1,h2,h3{margin:0;font-family:var(--display);font-weight:700;\n  line-height:.96;letter-spacing:0;text-wrap:balance}\np,ul,ol,figure,blockquote{margin:0}\nh1{font-size:clamp(36px,4.6vw,60px)}\nh2{font-size:clamp(32px,4vw,54px)}\nh3{font-size:25px;line-height:1.05}\n.leve{font-weight:200}\nem.neon{font-style:normal;color:var(--neon)}\nem.escuro{font-style:normal;color:var(--escuro)}\n.lead{font-size:clamp(17px,1.5vw,19.5px);line-height:1.55;color:var(--tinta-clara);max-width:44ch}\n.bloco--escuro 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transition:transform var(--dur) var(--curva),background-color var(--dur) var(--curva);\n}\n.botao i{\n  display:grid;place-items:center;flex:none;\n  width:32px;height:32px;border-radius:50%;\n  background:var(--escuro);color:var(--neon);\n  transition:transform var(--dur) var(--curva);\n}\n.botao i svg{width:16px;height:16px;fill:currentColor}\n.botao:active{transform:scale(.975);background:#76A904}\n.botao:focus-visible{outline:3px solid currentColor;outline-offset:3px}\n@media (hover:hover) and (pointer:fine){\n  .botao:hover{background:#93CE05}\n  .botao:hover i{transform:translateX(4px)}\n}\n.botao--miudo{padding:9px 10px 9px 22px;font-size:15px}\n.botao--miudo i{width:28px;height:28px}\n.botao--miudo i svg{width:14px;height:14px}\n@media (max-width:420px){\n  .botao{width:100%;padding-left:22px;font-size:15px;\n    white-space:normal;text-align:center;line-height:1.2}\n}\n.salto{\n  position:absolute;z-index:99;left:16px;top:-90px;\n  background:var(--neon);color:var(--escuro);font-weight:700;font-size:15px;\n  padding:13px 22px;border-radius:0 0 14px 14px;text-decoration:none;\n}\n.salto:focus{top:0}\n.topo{\n  position:sticky;top:0;z-index:var(--z-topo);\n  background:rgb(242 239 228 \/ .88);\n  backdrop-filter:blur(14px) saturate(150%);\n  -webkit-backdrop-filter:blur(14px) saturate(150%);\n  border-bottom:1px solid var(--borda);\n}\n@supports not (backdrop-filter:blur(1px)){ .topo{background:var(--papel)} }\n.topo .faixa{height:76px;display:flex;align-items:center;gap:clamp(16px,2.6vw,36px)}\n.topo img{height:clamp(40px,3.4vw,46px);width:auto;flex:none}\n.abas{display:flex;align-items:center;gap:clamp(14px,2vw,28px);margin-inline:auto}\n.abas a{\n  position:relative;padding-block:8px;white-space:nowrap;text-decoration:none;\n  font-size:14.5px;font-weight:600;color:var(--tinta-clara);\n  transition:color var(--dur) var(--curva);\n}\n.abas a::after{\n  content:\"\";position:absolute;left:0;right:0;bottom:2px;height:2px;\n  background:var(--inst);transform:scaleX(0);transform-origin:left;\n  transition:transform var(--dur) var(--curva);\n}\n.abas a:focus-visible{outline:3px solid var(--inst-texto);outline-offset:4px;border-radius:5px}\n@media (hover:hover) and (pointer:fine){\n  .abas a:hover{color:var(--escuro)}\n  .abas a:hover::after{transform:scaleX(1)}\n}\n.abertura .escolhas .botao{min-width:min(100%,220px)}\n@media (max-width:1120px){ .abas{display:none} }\n@media (max-width:900px){ .topo .faixa{height:64px} .topo .botao{display:none} }\n.abertura{position:relative;background:var(--papel);overflow:hidden}\n.abertura-grade{\n  display:grid;grid-template-columns:minmax(0,6.4fr) minmax(0,5.6fr);\n  gap:clamp(20px,3vw,44px);align-items:end;\n  padding-top:clamp(40px,4.2vw,72px);\n}\n.abertura-texto{padding-bottom:clamp(40px,5vw,72px)}\n.abertura h1{margin-bottom:22px}\n.abertura h1 .leve{display:block}\n.abertura .lead{margin-bottom:34px}\n.abertura .gatilho{margin-top:18px;max-width:42ch}\n.abertura-foto{\n  position:relative;z-index:var(--z-foto);\n  justify-self:center;align-self:end;\n  width:min(100%,470px);\n}\n.abertura-foto img{position:relative;z-index:1;width:100%}\n.prova-rapida{background:var(--escuro);color:var(--papel);position:relative}\n.prova-rapida .faixa{\n  padding-block:clamp(26px,3vw,38px);\n  display:grid;grid-template-columns:repeat(4,minmax(0,1fr));\n  gap:clamp(16px,2.4vw,34px);align-items:start;\n}\n.prova-item{display:flex;flex-direction:column;gap:3px}\n.prova-item b{font-family:var(--display);font-weight:700;\n  font-size:clamp(30px,3.1vw,40px);line-height:1;color:var(--neon);\n  font-variant-numeric:tabular-nums}\n.prova-item span{font-size:13.5px;line-height:1.4;color:var(--tinta-escura)}\n@media (max-width:1180px){\n  .prova-rapida .faixa{grid-template-columns:repeat(2,minmax(0,1fr));\n    gap:20px clamp(24px,4vw,44px)}\n}\n@media (max-width:900px){\n  .abertura-grade{grid-template-columns:1fr;gap:0;align-items:start}\n  .abertura-texto{padding-bottom:32px}\n  .abertura-foto{justify-self:end;width:min(66%,310px)}\n  .prova-rapida .faixa{\n    grid-template-columns:1fr;gap:0;\n    padding-top:clamp(20px,5vw,32px);\n  }\n  .prova-item{flex-direction:row;align-items:baseline;gap:12px;\n    padding-block:13px;border-top:1px solid var(--filete-escuro)}\n  .prova-item:first-child{border-top:0;padding-top:0}\n  .prova-item b{font-size:27px;min-width:4.5ch}\n}\n.dor{padding-top:clamp(48px,6vw,88px)}\n.dor h2{max-width:26ch;margin-bottom:clamp(28px,4vw,48px);position:relative;z-index:1}\n.dor-lista{\n  list-style:none;padding:0;position:relative;z-index:1;\n  display:grid;grid-template-columns:repeat(2,minmax(0,1fr));\n  border-top:1px solid var(--filete-escuro);\n  border-bottom:1px solid var(--filete-escuro);\n}\n.dor-item{\n  display:flex;flex-direction:column;align-items:flex-start;\n  gap:clamp(9px,1.1vw,14px);\n  padding:clamp(28px,3.4vw,46px) clamp(20px,5vw,92px) clamp(28px,3.4vw,46px) 0;\n}\n.dor-item + .dor-item{\n  border-left:1px solid var(--filete-escuro);\n  padding-left:clamp(20px,3.4vw,56px);\n}\n.dor-t{\n  font-family:var(--display);font-weight:700;\n  font-size:clamp(21px,2.2vw,32px);line-height:1.06;letter-spacing:0;\n  margin:0;max-width:20ch;\n}\n.dor-p{\n  font-size:15.5px;line-height:1.55;color:var(--tinta-escura);\n  max-width:44ch;margin-bottom:clamp(10px,1.6vw,20px);\n}\n.dor-item .botao{margin-top:auto}\n@media (max-width:820px){\n  .dor-lista{grid-template-columns:1fr;border-bottom:0}\n  .dor-item{\n    padding:clamp(24px,4.6vw,32px) 0;\n    border-bottom:1px solid var(--filete-escuro);\n  }\n  .dor-item + .dor-item{border-left:0;padding-left:0}\n  .dor-t{font-size:clamp(21px,4.6vw,27px);max-width:24ch}\n}\n.costura-ast{\n  --larg:clamp(140px,16vw,240px);\n  position:absolute;z-index:0;left:calc(var(--larg) * -.22);\n  width:var(--larg);height:var(--larg);\n  pointer-events:none;\n  -webkit-mask:url(\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/2026\/08\/asterisco.webp\") center\/contain no-repeat;\n  mask:url(\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/2026\/08\/asterisco.webp\") center\/contain no-repeat;\n  transform:rotate(-8deg);\n}\n.costura-ast.costura--fim{bottom:calc(var(--larg) * -.5)}\n.costura-ast.costura--inicio{top:calc(var(--larg) * -.5)}\n.conversao .costura-ast{background:rgb(72 140 3 \/ .30)}\n.duvidas .costura-ast{background:rgb(132 191 4 \/ .26)}\n.ponte{padding-block:clamp(44px,5.2vw,76px)}\n.ponte .ast{width:clamp(38px,4.6vw,58px);height:clamp(38px,4.6vw,58px);\n  stroke-width:9;margin-bottom:18px;position:relative;z-index:1}\n.ponte p{\n  font-family:var(--display);font-weight:200;\n  font-size:clamp(26px,3.7vw,50px);line-height:1.08;letter-spacing:0;\n  max-width:33ch;text-wrap:balance;position:relative;z-index:1;\n}\n.ponte p b{font-weight:700}\n.resolve-grade{\n  display:grid;grid-template-columns:minmax(0,6fr) minmax(0,6fr);\n  column-gap:clamp(28px,5vw,64px);row-gap:clamp(30px,3.6vw,54px);\n  align-items:start;\n}\n.resolve h2{max-width:20ch;margin-bottom:clamp(24px,3vw,36px)}\n.pilares{list-style:none;padding:0}\n.pilar{\n  padding-block:22px;border-top:1px solid var(--filete-claro);\n  display:grid;grid-template-columns:26px minmax(0,1fr);\n  column-gap:14px;align-items:start;\n}\n.pilar:last-of-type{border-bottom:1px solid var(--filete-claro)}\n.visto{display:block;flex:none;width:26px;height:26px;\n  --visto-fundo:var(--escuro);--visto-traco:var(--neon)}\n.pilar .visto{margin-top:1px}\n.pilar h3{margin-bottom:7px}\n.pilar p{max-width:44ch;color:var(--tinta-clara)}\n.demo{position:relative;margin-bottom:56px}\n.demo img{border-radius:var(--raio-xl);width:100%;object-fit:cover;aspect-ratio:16\/10;\n  box-shadow:0 30px 60px -28px rgb(2 38 1 \/ .38)}\n.demo figcaption{\n  position:absolute;left:clamp(-28px,-2.4vw,-12px);bottom:-34px;z-index:1;\n  max-width:min(94%,360px);\n  background:var(--escuro);border-radius:var(--raio);padding:18px 22px;\n  box-shadow:0 22px 44px -22px rgb(2 38 1 \/ .46);\n  color:var(--tinta-escura);\n}\n.demo figcaption b{font-weight:700;color:var(--papel)}\n@media (min-width:1024px){\n  .demo{margin-right:calc((100vw - min(100vw,var(--faixa)))\/-2 - clamp(20px,4vw,48px))}\n  .demo img{border-radius:var(--raio-xl) 0 0 var(--raio-xl)}\n}\n@media (max-width:900px){\n  .resolve-grade{grid-template-columns:1fr}\n  .demo{order:-1;margin-bottom:8px}\n}\n.plano{\n  grid-column:1 \/ -1;\n  display:grid;grid-template-columns:repeat(2,minmax(0,max-content));\n  justify-content:center;align-items:center;\n}\n.plano-titulo{margin-bottom:clamp(14px,1.8vw,22px)}\n.plano-preco{padding-right:clamp(20px,3.4vw,56px)}\n.plano-lista{\n  position:relative;\n  border-left:1px solid var(--filete-claro);\n  padding-left:clamp(20px,3.4vw,56px);\n}\n.plano-acao{position:relative;display:grid;gap:10px}\n.plano-acao .botao{position:relative;z-index:1;width:100%}\n.plano-seta{\n  --seta:clamp(92px,9vw,112px);\n  position:absolute;pointer-events:none;z-index:0;\n  width:var(--seta);height:var(--seta);\n  left:calc(100% - 2px - var(--seta) * 0.493);\n  top:calc(50% - 24px - var(--seta) * 0.982);\n  transform:scaleX(-1) rotate(-25deg);\n  background:var(--inst);\n  -webkit-mask:url(\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/2026\/08\/seta-1-1.webp\") center\/contain no-repeat;\n  mask:url(\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/2026\/08\/seta-1-1.webp\") center\/contain no-repeat;\n}\n@media (max-width:900px){ .plano-seta{display:none} }\n.plano-de{font-size:14.5px;color:var(--tinta-clara);margin-bottom:6px}\n.plano-valor{\n  display:flex;align-items:baseline;gap:9px;\n  font-family:var(--display);font-weight:700;color:var(--escuro);\n  font-size:clamp(40px,5vw,68px);line-height:.92;letter-spacing:0;\n}\n.plano-valor span{\n  font-family:var(--texto);font-size:16.5px;font-weight:600;\n  color:var(--tinta-clara);\n}\n.plano-nota{margin-top:clamp(16px,2vw,24px);color:var(--tinta-clara);max-width:38ch}\n.plano-lista ul{list-style:none;padding:0;margin-bottom:clamp(22px,2.6vw,32px)}\n.plano-lista li{\n  display:grid;grid-template-columns:20px minmax(0,1fr);\n  column-gap:12px;align-items:start;\n  padding-block:7px;font-size:16px;line-height:1.4;\n}\n.plano-lista .visto{width:20px;height:20px;margin-top:2px}\n.plano .gatilho{margin-top:14px;color:var(--tinta-clara);max-width:38ch}\n@media (max-width:900px){\n  .plano{grid-template-columns:1fr;justify-content:normal}\n  .plano-preco{padding-right:0}\n  .plano-lista{\n    border-left:0;padding-left:0;\n    margin-top:clamp(22px,4vw,28px);padding-top:clamp(22px,4vw,28px);\n    border-top:1px solid var(--filete-claro);\n  }\n}\n.prova{position:relative;overflow:hidden;background:var(--inst);\n  padding-block:clamp(48px,5.6vw,80px)}\n.prova-lavagem{\n  position:absolute;inset:0;z-index:1;pointer-events:none;\n  background:radial-gradient(34% 46% at 100% 100%,\n    rgb(2 38 1 \/ .12) 0%,\n    rgb(2 38 1 \/ .62) 34%,\n    rgb(2 38 1 \/ .94) 62%,\n    rgb(2 38 1 \/ .97) 100%);\n}\n.prova-pessoa{position:absolute;z-index:1;right:clamp(-40px,-1.4vw,0px);bottom:0;\n  width:clamp(190px,19.8vw,316px);pointer-events:none}\n@media (max-width:1240px){\n  .prova-pessoa{display:none}\n  .prova-lavagem{background:var(--escuro)}\n}\n@media (min-width:1241px) and (max-width:1620px){\n  .prova .faixa{padding-right:clamp(200px,20vw,300px)}\n}\n.prova .faixa{position:relative;z-index:2}\n.prova .rotulo{color:var(--neon);margin-bottom:14px}\n.prova .ast{stroke:var(--neon)}\n.prova h2{max-width:19ch;color:var(--papel);margin-bottom:clamp(22px,2.6vw,34px)}\n.prova-grade{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);\n  gap:0 clamp(30px,5vw,76px);align-items:start}\n.prova-grade h2{grid-column:1;grid-row:1}\n.fala{grid-column:1;grid-row:2}\n.quem{grid-column:2;grid-row:1 \/ span 2;align-self:end}\n.estrelas{display:flex;gap:2px;flex:none}\n.estrelas svg{width:13px;height:13px;fill:var(--neon)}\n.fala blockquote{font-family:var(--display);font-weight:200;\n  font-size:clamp(22px,2.4vw,33px);line-height:1.18;color:var(--papel);\n  max-width:26ch}\n.fala blockquote b{font-weight:700}\n.fala figcaption{margin-top:16px;display:flex;align-items:center;gap:11px;\n  flex-wrap:wrap;font-size:14px;color:var(--tinta-escura)}\n.fala figcaption b{font-size:15px;font-weight:600;color:var(--papel)}\n.fala-fonte{font-size:12.5px;font-weight:700;letter-spacing:.06em;\n  text-transform:uppercase;color:var(--neon);padding:4px 11px;border-radius:70px;\n  box-shadow:inset 0 0 0 1px var(--filete-escuro)}\n.quem-video{margin:0}\n.quem-video figcaption{margin-top:11px;font-size:13.5px;\n  color:var(--tinta-escura);max-width:32ch}\n.tocador{\n  position:relative;border-radius:var(--raio-lg);overflow:hidden;\n  background:var(--escuro);line-height:0;\n}\n.tocador::after{\n  content:\"\";position:absolute;inset:0;z-index:3;pointer-events:none;\n  border-radius:inherit;box-shadow:inset 0 0 0 1px var(--filete-escuro);\n}\n.tocador video{display:block;width:100%;height:auto}\n.tocador-barra{\n  position:absolute;left:0;right:0;bottom:0;z-index:2;\n  display:flex;align-items:center;gap:clamp(10px,1.4vw,14px);\n  padding:clamp(30px,4vw,42px) clamp(13px,1.6vw,17px) clamp(12px,1.5vw,15px);\n  background:linear-gradient(to top,rgb(2 38 1 \/ .94) 0%,rgb(2 38 1 \/ .72) 42%,rgb(2 38 1 \/ 0) 100%);\n  line-height:1;\n}\n.tocador-botao{\n  flex:none;display:grid;place-items:center;\n  width:38px;height:38px;padding:0;border:0;border-radius:50%;\n  background:var(--neon);color:var(--escuro);cursor:pointer;\n  transition:transform var(--dur) var(--curva),background var(--dur) var(--curva);\n}\n.tocador-botao svg{width:20px;height:20px;fill:currentColor;stroke:currentColor}\n.tocador-botao:focus-visible{outline:3px solid var(--papel);outline-offset:3px}\n@media (hover:hover){ .tocador-botao:hover{transform:scale(1.06)} }\n.tocador-tempo{\n  flex:none;font-size:13px;font-weight:600;color:var(--papel);\n  font-variant-numeric:tabular-nums;letter-spacing:.01em;\n}\n.tocador-linha{\n  --pct:0%;\n  flex:1;min-width:0;height:20px;margin:0;padding:0;\n  background:transparent;cursor:pointer;-webkit-appearance:none;appearance:none;\n}\n.tocador-linha:focus-visible{outline:3px solid var(--papel);outline-offset:2px;border-radius:6px}\n.tocador-linha::-webkit-slider-runnable-track{\n  height:4px;border-radius:70px;\n  background:linear-gradient(to right,var(--neon) var(--pct),rgb(242 239 228 \/ .32) var(--pct));\n}\n.tocador-linha::-moz-range-track{height:4px;border-radius:70px;background:rgb(242 239 228 \/ .32)}\n.tocador-linha::-moz-range-progress{height:4px;border-radius:70px;background:var(--neon)}\n.tocador-linha::-webkit-slider-thumb{\n  -webkit-appearance:none;appearance:none;margin-top:-4px;\n  width:12px;height:12px;border-radius:50%;border:0;\n  background:var(--neon);box-shadow:0 0 0 3px rgb(2 38 1 \/ .55);\n}\n.tocador-linha::-moz-range-thumb{\n  width:12px;height:12px;border-radius:50%;border:0;\n  background:var(--neon);box-shadow:0 0 0 3px rgb(2 38 1 \/ .55);\n}\n.tocador-volume{display:flex;align-items:center;gap:8px;flex:none}\n.tocador-mudo{\n  flex:none;display:grid;place-items:center;\n  width:32px;height:32px;padding:0;border:0;border-radius:50%;\n  background:rgb(2 38 1 \/ .55);color:var(--papel);cursor:pointer;\n  box-shadow:inset 0 0 0 1px var(--filete-escuro);\n  transition:color var(--dur) var(--curva),background var(--dur) var(--curva);\n}\n.tocador-mudo svg{width:17px;height:17px;fill:currentColor;stroke:currentColor}\n.tocador-mudo:focus-visible{outline:3px solid var(--papel);outline-offset:3px}\n@media (hover:hover){ .tocador-mudo:hover{color:var(--neon)} }\n.tocador.com-som .tocador-mudo{color:var(--neon)}\n.tocador-nivel{\n  --pct:80%;\n  width:72px;height:20px;margin:0;padding:0;flex:none;\n  background:transparent;cursor:pointer;-webkit-appearance:none;appearance:none;\n}\n.tocador-nivel::-webkit-slider-runnable-track{\n  height:4px;border-radius:70px;\n  background:linear-gradient(to right,var(--papel) var(--pct),rgb(242 239 228 \/ .3) var(--pct));\n}\n.tocador-nivel::-moz-range-track{height:4px;border-radius:70px;background:rgb(242 239 228 \/ .3)}\n.tocador-nivel::-moz-range-progress{height:4px;border-radius:70px;background:var(--papel)}\n.tocador-nivel::-webkit-slider-thumb{\n  -webkit-appearance:none;appearance:none;margin-top:-3px;\n  width:10px;height:10px;border-radius:50%;border:0;background:var(--papel);\n}\n.tocador-nivel::-moz-range-thumb{\n  width:10px;height:10px;border-radius:50%;border:0;background:var(--papel);\n}\n.tocador-nivel:focus-visible{outline:3px solid var(--papel);outline-offset:2px;border-radius:6px}\n@media (hover:hover){\n  .tocador-nivel{\n    width:0;opacity:0;\n    transition:width var(--dur) var(--curva),opacity var(--dur) var(--curva);\n  }\n  .tocador-volume:hover .tocador-nivel,\n  .tocador-volume:focus-within .tocador-nivel{width:72px;opacity:1}\n}\n@media (prefers-reduced-motion:reduce){ .tocador-nivel{transition:none} }\n.tocador-som{\n  position:absolute;z-index:2;top:clamp(12px,1.6vw,16px);left:clamp(12px,1.6vw,16px);\n  display:flex;align-items:center;gap:7px;\n  padding:8px 14px 8px 11px;border:0;border-radius:70px;\n  background:var(--neon);color:var(--escuro);cursor:pointer;\n  font-family:var(--texto);font-size:13px;font-weight:700;line-height:1;\n  box-shadow:0 10px 24px -12px rgb(2 38 1 \/ .8);\n  transition:transform var(--dur) var(--curva),opacity var(--dur) var(--curva);\n}\n.tocador-som svg{width:17px;height:17px;fill:currentColor;stroke:currentColor}\n.tocador-som:focus-visible{outline:3px solid var(--papel);outline-offset:3px}\n@media (hover:hover){ .tocador-som:hover{transform:scale(1.04)} }\n.tocador.com-som .tocador-som{\n  padding:9px;background:rgb(2 38 1 \/ .62);color:var(--neon);\n  box-shadow:inset 0 0 0 1px var(--filete-escuro);\n}\n.tocador.com-som .tocador-som span{\n  position:absolute;width:1px;height:1px;overflow:hidden;\n  clip-path:inset(50%);white-space:nowrap;\n}\n.recortes{\n  list-style:none;padding:0;\n  margin-top:clamp(24px,2.8vw,38px);padding-top:clamp(18px,2vw,24px);\n  border-top:1px solid var(--filete-escuro);\n  display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(20px,3vw,44px);\n}\n.recortes p{font-size:15.5px;line-height:1.45;color:var(--papel);text-wrap:pretty}\n.recortes footer{margin-top:8px;display:flex;align-items:center;gap:9px;\n  font-size:13px;color:var(--tinta-escura)}\n.recortes footer b{color:var(--papel);font-weight:600}\n.agregados{\n  list-style:none;padding:0;\n  margin-top:clamp(20px,2.4vw,30px);padding-top:clamp(18px,2vw,24px);\n  border-top:1px solid var(--filete-escuro);\n  display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(20px,3vw,44px);\n}\n.agregados b{display:block;font-family:var(--display);font-weight:700;\n  font-size:clamp(28px,3.2vw,44px);line-height:1;color:var(--neon);\n  font-variant-numeric:tabular-nums;margin-bottom:6px}\n.agregados span{display:block;font-size:15.5px;font-weight:500;\n  line-height:1.45;color:var(--papel)}\n.agregados a{color:var(--papel);text-decoration:none;\n  border-bottom:1px solid var(--filete-escuro)}\n.agregados a:focus-visible{outline:3px solid var(--neon);outline-offset:3px;border-radius:4px}\n@media (hover:hover){ .agregados a:hover{color:var(--neon);border-color:var(--neon)} }\n@media (max-width:900px){\n  .prova-grade{grid-template-columns:1fr;gap:24px}\n  .prova-grade h2,.fala,.quem{grid-column:auto;grid-row:auto;align-self:auto}\n  .quem-video video{max-width:420px}\n  .recortes{grid-template-columns:1fr;gap:0;border-top:1px solid var(--filete-escuro)}\n  .recortes li{padding-block:14px;border-bottom:1px solid var(--filete-escuro)}\n  .agregados{grid-template-columns:1fr;gap:0;border-top:0;padding-top:0}\n  .agregados li{padding-block:13px;border-bottom:1px solid var(--filete-escuro);\n    display:flex;align-items:baseline;gap:16px;flex-wrap:wrap}\n  .agregados b{margin-bottom:0;min-width:4.5ch}\n}\n.conversao{\n  view-timeline-name:--forma;view-timeline-axis:block;\n  position:relative;overflow:hidden;\n}\n.conversao .faixa{position:relative;z-index:1}\n.conversao-cabeca{max-width:620px;margin-bottom:clamp(28px,3.4vw,44px)}\n.conversao .rotulo{margin-bottom:16px}\n.conversao h2{max-width:16ch;margin-bottom:14px}\n.conversao .lead{margin-bottom:0}\n.envio-acao{position:relative}\n.seta-forma{\n  position:absolute;z-index:0;pointer-events:none;\n  left:calc(100% + clamp(10px,1.4vw,26px));\n  top:50%;\n  width:clamp(170px,19vw,260px);aspect-ratio:1;\n  background:var(--inst);\n  -webkit-mask:url(\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/2026\/08\/seta-2.webp\") center\/contain no-repeat;\n  mask:url(\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/2026\/08\/seta-2.webp\") center\/contain no-repeat;\n  transform:translateY(-50.7%) rotate(45deg) scaleX(-1);\n}\n@media (max-width:1080px){ .seta-forma{display:none} }\n.formulario{max-width:660px;position:relative;z-index:1}\n.forma-bloco{padding-block:clamp(22px,2.6vw,32px);border-top:1px solid var(--filete-claro)}\n.forma-bloco:last-of-type{border-bottom:1px solid var(--filete-claro)}\nfieldset{border:0;padding:0;margin:0}\nlegend{font-family:var(--display);font-weight:700;font-size:22px;line-height:1.1;\n  margin-bottom:14px;padding:0}\n.pilulas{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}\n.pilula{position:relative}\n.pilula input{position:absolute;inset:0;opacity:0;cursor:pointer;margin:0}\n.pilula span{\n  display:block;padding:16px 20px;border-radius:var(--raio-btn);text-align:center;\n  background:#FFFFFF;color:var(--escuro);font-weight:600;line-height:1.25;\n  box-shadow:inset 0 0 0 1.5px rgb(2 38 1 \/ .55);\n  transition:box-shadow var(--dur) var(--curva),background-color var(--dur) var(--curva);\n}\n.pilula input:checked + span{background:var(--neon);\n  box-shadow:inset 0 0 0 2px var(--escuro);font-weight:700}\n.pilula input:focus-visible + span{outline:3px solid var(--inst-texto);outline-offset:3px}\n@media (hover:hover) and (pointer:fine){\n  .pilula input:not(:checked):hover + span{box-shadow:inset 0 0 0 2px var(--inst-texto)}\n}\n@media (max-width:460px){ .pilulas{grid-template-columns:1fr} }\n.campos{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));\n  gap:clamp(14px,1.8vw,22px)}\n.campo{display:flex;flex-direction:column;gap:8px}\n.campo--largo{grid-column:1 \/ -1}\n.campo label{font-weight:600;font-size:15px}\n.campo input{\n  font-family:var(--texto);font-size:16px;color:var(--escuro);\n  background:#FFFFFF;border:0;border-radius:var(--raio);padding:15px 18px;\n  box-shadow:inset 0 0 0 1.5px rgb(2 38 1 \/ .55);\n  transition:box-shadow var(--dur) var(--curva);\n}\n.campo input:focus{outline:0;box-shadow:inset 0 0 0 2px var(--inst-texto)}\n.campo input:focus-visible{outline:3px solid var(--inst-texto);outline-offset:2px}\n.ajuda{font-size:13px;color:var(--tinta-clara)}\n.campo:has(input:user-invalid) input{box-shadow:inset 0 0 0 2px var(--erro)}\n.erro{display:none;font-size:13px;color:var(--erro);font-weight:600}\n.campo:has(input:user-invalid) .erro{display:block}\n@media (max-width:560px){ .campos{grid-template-columns:1fr} }\n.quem-responde{display:flex;align-items:center;gap:16px;flex-wrap:wrap;\n  margin-bottom:clamp(20px,2.4vw,28px)}\n.quem-responde p{font-size:14px;line-height:1.5;color:var(--tinta-clara);max-width:34ch}\n.quem-responde b{color:var(--escuro);font-weight:700}\n.rostos{display:flex;margin-top:0}\n.rostos i{display:block;position:relative;flex:none;\n  width:44px;height:44px;border-radius:50%;overflow:hidden;\n  background:#E9E5D8;box-shadow:0 0 0 3px var(--papel)}\n.rostos i + i{margin-left:-14px}\n.rostos img{width:100%;height:100%;object-fit:cover}\n.envio{position:relative}\n.envio .botao{width:100%}\n@media (max-width:420px){\n  .envio .botao{white-space:normal;text-align:center;line-height:1.2}\n}\n.envio .gatilho{margin-top:14px}\n.formulario .mauticform-row{margin-bottom:18px}\n.formulario .mauticform-label{display:block;margin-bottom:8px;\n  font-weight:600;font-size:15px;color:var(--escuro)}\n.formulario .mauticform-input,\n.formulario .mauticform-selectbox{\n  width:100%;font-family:var(--texto);font-size:16px;color:var(--escuro);\n  background:#FFFFFF;border:0;border-radius:var(--raio);padding:15px 18px;\n  box-shadow:inset 0 0 0 1.5px rgb(2 38 1 \/ .55);\n}\n.formulario .mauticform-input:focus{outline:0;box-shadow:inset 0 0 0 2px var(--inst-texto)}\n.formulario .mauticform-helpmessage{font-size:13px;color:var(--tinta-clara)}\n.formulario .mauticform-errormsg{font-size:13px;color:var(--erro);font-weight:600}\n.formulario .mauticform-button{\n  display:inline-flex;align-items:center;justify-content:center;width:100%;\n  background:var(--neon);color:var(--escuro);\n  font-family:var(--texto);font-size:16px;font-weight:700;line-height:1;\n  padding:18px 26px;border:0;border-radius:var(--raio-btn);cursor:pointer;\n}\n.formulario .mauticform-button:focus-visible{outline:3px solid currentColor;outline-offset:3px}\n.duvidas-grade{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);\n  gap:clamp(24px,5vw,72px);align-items:start;position:relative;z-index:1}\n.duvidas-cabeca{padding-top:22px}\n.duvidas-cabeca h2{max-width:14ch;margin-bottom:18px}\n.duvidas-cabeca p{font-size:15px;line-height:1.6}\n.duvidas-lista{max-width:var(--leitura)}\n@media (max-width:900px){\n  .duvidas-grade{grid-template-columns:1fr;gap:28px}\n  .duvidas-cabeca{padding-top:0}\n  .duvidas-cabeca h2{max-width:20ch}\n}\ndetails{border-top:1px solid var(--filete-escuro)}\ndetails:last-of-type{border-bottom:1px solid var(--filete-escuro)}\nsummary{\n  list-style:none;cursor:pointer;\n  display:flex;align-items:flex-start;justify-content:space-between;gap:20px;\n  padding-block:22px;\n  font-family:var(--display);font-weight:700;\n  font-size:clamp(19px,1.9vw,25px);line-height:1.2;letter-spacing:0;\n}\nsummary::-webkit-details-marker{display:none}\nsummary:focus-visible{outline:3px solid var(--neon);outline-offset:3px;border-radius:8px}\nsummary h3{font:inherit;margin:0;letter-spacing:inherit}\ndetails a{color:var(--papel);text-decoration:underline;\n  text-decoration-color:rgb(132 191 4 \/ .55);text-decoration-thickness:1px;\n  text-underline-offset:3px;transition:text-decoration-color var(--dur) var(--curva)}\n@media (hover:hover){ details a:hover{text-decoration-color:var(--neon)} }\ndetails a:focus-visible{outline:3px solid var(--neon);outline-offset:2px;border-radius:4px}\n.mais{\n  flex:none;position:relative;width:20px;height:20px;margin-top:7px;\n  transition:transform var(--dur) var(--curva);\n}\n.mais::before,.mais::after{\n  content:\"\";position:absolute;inset:50% 0 auto;height:2px;background:var(--neon);\n  transform:translateY(-50%);\n}\n.mais::after{inset:0 auto 0 50%;width:2px;height:100%;transform:translateX(-50%)}\ndetails[open] .mais{transform:rotate(45deg)}\ndetails p{padding-bottom:24px;max-width:62ch;color:var(--tinta-escura)}\ndetails p + p{margin-top:12px}\n.fechamento{\n  margin-top:clamp(48px,6vw,80px);padding-top:clamp(40px,5vw,64px);\n  border-top:1px solid var(--filete-escuro);position:relative;z-index:1;\n  display:grid;grid-template-columns:minmax(0,1fr) auto;\n  gap:clamp(24px,4vw,60px);align-items:center;\n}\n.fechamento h2{max-width:22ch;margin-bottom:14px}\n.fechamento p{max-width:52ch}\n@media (max-width:820px){\n  .fechamento{grid-template-columns:1fr;gap:28px;justify-items:start}\n}\n.leituras{padding-block:clamp(52px,6.4vw,88px)}\n.leituras-cabeca{margin-bottom:clamp(28px,3.4vw,44px)}\n.leituras-cabeca h2{font-size:clamp(28px,3.2vw,42px);max-width:22ch;margin-bottom:14px}\n.leituras-grade{\n  display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);\n  gap:clamp(26px,3.6vw,52px);align-items:start;\n}\n.leitura{display:block;text-decoration:none;color:inherit}\n.leitura img{width:100%;object-fit:cover;border-radius:var(--raio-lg)}\n.leitura h3{margin-top:16px}\n.ler{display:inline-flex;align-items:center;gap:8px;margin-top:10px;\n  font-family:var(--texto);font-size:14px;font-weight:700;color:var(--inst-texto)}\n.ler svg{width:16px;height:16px;fill:currentColor;\n  transition:transform var(--dur) var(--curva)}\n.leitura--principal img{aspect-ratio:16\/10}\n.leitura--principal h3{font-size:clamp(23px,2.4vw,31px)}\n.leitura--menor{\n  display:grid;grid-template-columns:150px minmax(0,1fr);\n  grid-template-rows:auto auto;column-gap:18px;\n  padding-block:20px;border-top:1px solid var(--filete-claro);\n}\n.leitura--menor:last-of-type{border-bottom:1px solid var(--filete-claro)}\n.leitura--menor img{grid-area:1 \/ 1 \/ 3 \/ 2;align-self:center;\n  aspect-ratio:16\/10;border-radius:var(--raio)}\n.leitura--menor h3{grid-area:1 \/ 2 \/ 2 \/ 3;align-self:end;\n  margin-top:0;font-size:19px;line-height:1.15}\n.leitura--menor .ler{grid-area:2 \/ 2 \/ 3 \/ 3;align-self:start}\n@media (hover:hover){\n  .leitura:hover h3{text-decoration:underline;text-decoration-color:var(--neon);\n    text-decoration-thickness:2px;text-underline-offset:3px}\n  .leitura:hover .ler svg{transform:translateX(4px)}\n}\n.leitura:focus-visible{outline:3px solid var(--neon);outline-offset:6px;\n  border-radius:var(--raio)}\n@media (max-width:900px){\n  .leituras-grade{grid-template-columns:1fr;gap:8px}\n  .leitura--principal{margin-bottom:18px}\n  .leitura--menor{grid-template-columns:minmax(0,26%) minmax(0,1fr);column-gap:22px}\n  .leitura--menor h3{font-size:21px}\n}\n@media (max-width:560px){\n  .leitura--menor{grid-template-columns:112px minmax(0,1fr);column-gap:14px}\n  .leitura--menor h3{font-size:17px}\n}\n.rodape{background:var(--escuro);color:var(--tinta-escura);\n  padding-block:clamp(40px,4.6vw,66px);box-shadow:inset 0 1px 0 var(--filete-escuro)}\n.rodape-grade{display:grid;\n  grid-template-columns:repeat(2,auto);\n  justify-content:space-between;\n  gap:clamp(28px,4vw,60px);align-items:center}\n.rodape-registro{\n  margin-top:clamp(30px,3.4vw,46px);padding-top:clamp(20px,2.4vw,30px);\n  border-top:1px solid var(--filete-escuro);\n  display:flex;flex-wrap:wrap;gap:6px 32px;\n  font-size:13px;line-height:1.6;\n}\n.rodape-marca{--selo:64px;\n  display:flex;align-items:center;gap:20px}\n.rodape-marca img:first-child{height:48px;width:auto}\n.rodape-selo{height:var(--selo);width:auto}\n.rodape-atendimento{font-size:13.5px;line-height:1.7;text-align:right}\n.rodape-pe{\n  margin-top:16px;\n  display:flex;flex-wrap:wrap;gap:10px 30px;align-items:center;\n  justify-content:space-between;font-size:13px;\n}\n.rodape-pe nav{display:flex;flex-wrap:wrap;gap:10px 26px}\n.rodape-pe a{color:var(--papel);text-decoration:none;\n  border-bottom:1px solid var(--filete-escuro)}\n.rodape-pe a:focus-visible{outline:3px solid var(--neon);outline-offset:3px;border-radius:4px}\n@media (hover:hover){ .rodape-pe a:hover{color:var(--neon);border-color:var(--neon)} }\n@media (max-width:860px){\n  .rodape-grade{grid-template-columns:1fr;gap:30px}\n  .rodape-pe{justify-content:flex-start}\n  .rodape-marca{--selo:clamp(40px,13.6vw,64px)}\n  .rodape-marca img:first-child{height:clamp(30px,10.2vw,48px)}\n  .rodape-atendimento{text-align:left}\n}\n.barra{display:none}\n@media (max-width:900px){\n  .barra{\n    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svg{height:clamp(40px,3.4vw,46px);width:auto;flex:none}\n.rodape-marca > svg:first-child{height:48px;width:auto}\n@media (max-width:860px){\n  .rodape-marca > svg:first-child{height:clamp(30px,10.2vw,48px)}\n}\nblockquote{font-style:normal;padding:0;border:0}\nfieldset legend{margin-bottom:14px}\n.botao i,.ler i{font-style:normal}\nbutton,input,select,textarea{font-family:inherit}\n.campo input{line-height:normal;max-width:none}\n.entry-content{color:var(--escuro)}\n.entry-content:not(:first-child){margin-top:0}\n<\/style>\n\n\n\n\n\n<svg width=\"0\" height=\"0\" style=\"position:absolute\" aria-hidden=\"true\">\n  <defs>\n    <g id=\"ast-linhas\">\n      <line x1=\"50\" y1=\"8\"  x2=\"50\" y2=\"92\"\/>\n      <line x1=\"14\" y1=\"34\" x2=\"88\" y2=\"64\" transform=\"rotate(-6 50 50)\"\/>\n      <line x1=\"20\" y1=\"76\" x2=\"82\" y2=\"22\"\/>\n      <line x1=\"18\" y1=\"22\" x2=\"84\" y2=\"80\" transform=\"rotate(4 50 50)\"\/>\n    <\/g>\n    <path id=\"seta-dir\" d=\"M686-450H190q-13 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d=\"M1152.89,353.41c-2.73,0-5.22-.5-7.46-1.48-2.24-.99-4.19-2.34-5.83-4.06-1.64-1.72-2.92-3.71-3.82-5.96-.9-2.25-1.35-4.64-1.35-7.16,0-3.4.79-6.5,2.36-9.3,1.57-2.8,3.76-5.05,6.56-6.75,2.8-1.7,6-2.55,9.61-2.55s6.83.86,9.54,2.58c2.71,1.72,4.81,3.97,6.31,6.75,1.5,2.78,2.26,5.78,2.26,9,0,.46-.01.91-.04,1.34-.02.44-.06.77-.1,1h-30.05c.19,2.33.84,4.4,1.98,6.21,1.13,1.81,2.6,3.22,4.41,4.25,1.8,1.03,3.75,1.54,5.83,1.54,2.22,0,4.31-.56,6.28-1.67,1.97-1.11,3.32-2.57,4.06-4.37l5.27,1.46c-.79,1.76-1.95,3.33-3.5,4.72-1.55,1.39-3.38,2.48-5.48,3.26-2.11.79-4.38,1.18-6.84,1.18M1140.68,332.59h24.7c-.19-2.33-.86-4.39-2.01-6.17-1.16-1.78-2.64-3.18-4.44-4.18-1.8-1.01-3.79-1.51-5.97-1.51s-4.09.5-5.9,1.51c-1.8,1.01-3.27,2.4-4.41,4.18-1.13,1.78-1.79,3.84-1.98,6.17\"\/>\n  <\/g>\n<\/svg>\n\n    <nav class=\"abas\" aria-label=\"Se\u00e7\u00f5es desta p\u00e1gina\">\n        <a href=\"#calculadora\">Calculadora<\/a>\n        <a href=\"#como-funciona\">Como funciona<\/a>\n        <a href=\"#quem-atende\">Avalia\u00e7\u00f5es<\/a>\n        <a href=\"#duvidas\">D\u00favidas<\/a>\n        <a href=\"#comecar\">Planos<\/a>\n      <\/nav>\n\n  <\/div>\n<\/header>\n\n<main id=\"conteudo\">\n<style>\n.ctjcp{--c-dark:var(--escuro,#022601);--c-green:var(--inst,#488C03);--c-green-t:var(--inst-texto,#367202);--c-neon:var(--neon,#84BF04);--c-paper:var(--papel,#F2EFE4);--c-ink:var(--tinta-clara,#3A4E36);--c-line:var(--borda,#DBD6C6);--c-err:var(--erro,#AD343E);font-family:var(--texto,inherit);color:var(--c-dark);line-height:1.45}\n.ctjcp *,.ctjcp *::before,.ctjcp *::after{box-sizing:border-box}\n.ctjcp .cp-card{background:#fff;border:1px solid var(--c-line);border-radius:var(--raio-lg,30px);padding:clamp(18px,2.6vw,26px);box-shadow:0 18px 50px -24px rgba(2,38,1,.28)}\n.ctjcp .cp-etapa{display:flex;align-items:center;gap:12px;margin:0 0 6px;font-size:16px;font-weight:700;color:var(--c-dark)}\n.ctjcp .cp-etapa.cp-sep{margin-top:6px;padding-top:14px;border-top:2px solid var(--c-line)}\n.ctjcp .cp-n{width:26px;height:26px;border-radius:50%;background:var(--c-neon);color:var(--c-dark);display:inline-flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;flex:none}\n.ctjcp .cp-row{display:grid;grid-template-columns:1fr minmax(0,232px);gap:12px;align-items:center;padding:5px 0;border-bottom:1px solid var(--c-line)}\n.ctjcp .cp-row.ult{border-bottom:0}\n.ctjcp .cp-lab{font-size:14.5px;font-weight:600;display:flex;align-items:center;gap:8px;color:var(--c-dark)}\n.ctjcp .cp-i{flex:none;width:21px;height:21px;border-radius:50%;border:1.5px solid var(--c-green);color:var(--c-green-t);font:italic 700 12px\/18px Georgia,serif;text-align:center;cursor:help;position:relative}\n.ctjcp .cp-i:hover::after,.ctjcp .cp-i:focus::after{content:attr(title);position:absolute;left:50%;bottom:130%;transform:translateX(-50%);width:230px;background:var(--c-dark);color:#fff;font:400 12.5px\/1.4 var(--texto,inherit);font-style:normal;padding:10px 12px;border-radius:12px;z-index:20;text-align:left;box-shadow:0 10px 30px rgba(0,0,0,.2)}\n.ctjcp .cp-money{display:flex;align-items:center;border:1px solid var(--c-line);border-radius:14px;background:#fff;transition:border-color .15s;height:44px}\n.ctjcp .cp-money:focus-within{border-color:var(--c-green)}\n.ctjcp .cp-money span{padding-left:14px;color:var(--c-dark);font-weight:700;font-size:14px}\n.ctjcp .cp-money input{border:0;outline:0;padding:0 12px 0 10px;height:100%;font-size:15px;width:100%;background:transparent;color:var(--c-dark);font-family:inherit;min-width:0}\n.ctjcp .cp-money input::placeholder{color:#9aa39a}\n.ctjcp .cp-sel select{appearance:auto;width:100%;height:44px;border:1px solid var(--c-line);border-radius:14px;padding:0 10px;font-size:14.5px;font-family:inherit;color:var(--c-dark);background:#fff;cursor:pointer}\n.ctjcp .cp-sel select:focus{outline:0;border-color:var(--c-green)}\n.ctjcp .cp-pills{display:grid;grid-template-columns:1fr 1fr;gap:8px}\n.ctjcp .cp-pill{height:44px;border-radius:99px;border:1px solid var(--c-line);background:#fff;color:var(--c-dark);font:600 14.5px var(--texto,inherit);cursor:pointer;transition:background .15s,border-color .15s}\n.ctjcp .cp-pill.on{background:var(--c-neon);border-color:var(--c-neon)}\n.ctjcp .cp-pill:focus-visible{outline:2px solid var(--c-green);outline-offset:2px}\n.ctjcp .cp-regra{border-radius:14px;padding:11px 14px;font-size:13px;margin:8px 0 6px;background:#F1F7E6;border:1px solid #D3E6B4;color:var(--c-ink)}\n.ctjcp .cp-regra.nao{background:var(--c-paper);border-color:var(--c-line)}\n@media (min-width:900px){.fr-abertura .abertura-texto{align-self:start;padding-top:40px}}\n.ctjcp .cp-tag{display:inline-block;font-size:10.5px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:2px 8px;border-radius:99px;margin:0 4px 0 0;vertical-align:1px;background:var(--c-neon);color:var(--c-dark)}\n.ctjcp .cp-regra.nao .cp-tag{background:var(--c-dark);color:var(--c-paper)}\n.ctjcp .cp-regra p{margin:0}\n.ctjcp .cp-hide{position:absolute;opacity:0;pointer-events:none;width:1px;height:1px}\n.ctjcp .cp-btn{display:flex;width:100%;align-items:center;justify-content:center;background:var(--c-dark);color:#fff;font-weight:700;font-size:16.5px;border:0;border-radius:99px;height:54px;padding:0 24px;cursor:pointer;margin-top:14px;font-family:inherit;transition:transform .1s,background .15s;text-decoration:none}\n.ctjcp .cp-btn:hover{background:var(--c-green)}\n.ctjcp .cp-btn:active{transform:scale(.98)}\n.ctjcp .cp-nota{display:flex;justify-content:space-between;gap:12px;align-items:center;font-size:12.5px;color:var(--c-ink);margin:12px 0 0}\n.ctjcp .cp-err{color:var(--c-err);font-size:12.5px;margin-top:4px;display:none}\n@media(max-width:520px){.ctjcp .cp-row{grid-template-columns:1fr;gap:6px;padding:8px 0}}\n@media(max-width:820px){.ctjcp input,.ctjcp select{font-size:16px!important}}\n@media(max-width:520px){.fr-ex-comp{grid-template-columns:1fr!important}}\n@media(max-width:400px){#comecar .escolhas .botao,.ctjcp-res .r-cta .escolhas .botao{font-size:14px;padding-left:18px;padding-right:12px}}\n<\/style>\n<style>\n.ctjcp-res .r-out .r-st{display:block;margin-top:8px;font-size:13px;line-height:1.45;color:rgba(255,255,255,.78)}\n.ctjcmp{margin-top:20px;background:#fff;border:1px solid var(--c-line);border-radius:24px;padding:22px 24px;color:var(--c-dark)}\n.ctjcmp .cmp-top{display:flex;justify-content:space-between;align-items:flex-end;gap:14px;flex-wrap:wrap;margin-bottom:10px}\n.ctjcmp h3{margin:0 0 2px;font-size:19px;color:var(--c-dark);font-family:var(--texto,inherit)}\n.ctjcmp .cmp-sub{margin:0;color:var(--c-ink);font-size:13px}\n.ctjcmp .cmp-modo{display:inline-flex;background:var(--c-paper);border-radius:99px;padding:3px;flex:none}\n.ctjcmp .cmp-modo button{border:0;background:transparent;border-radius:99px;padding:7px 14px;font:600 13px var(--texto,inherit);color:var(--c-dark);cursor:pointer}\n.ctjcmp .cmp-modo button.on{background:var(--c-dark);color:#fff}\n.ctjcmp .cmp-modo button:focus-visible{outline:2px solid var(--c-green);outline-offset:2px}\n.ctjcmp .cmp-g{font-variant-numeric:tabular-nums}\n.ctjcmp .cmp-r{display:grid;grid-template-columns:minmax(0,1.6fr) repeat(3,minmax(0,1fr));gap:12px;padding:10px 0;border-bottom:1px solid var(--c-line);align-items:start;font-size:14px}\n.ctjcmp .cmp-r>div{text-align:right;white-space:nowrap}\n.ctjcmp .cmp-r>div:first-child{text-align:left;white-space:normal;font-weight:600}\n.ctjcmp .cmp-r small{display:block;color:var(--c-ink);font-size:12px;font-weight:400;margin-top:2px;line-height:1.4}\n.ctjcmp .cmp-h{font-weight:700;font-size:12.5px;text-transform:uppercase;letter-spacing:.05em;border-bottom:2px solid var(--c-dark);padding-top:4px}\n.ctjcmp .cmp-sum{background:var(--c-paper);border-radius:12px;padding:10px 12px;margin:6px 0;border-bottom:0;font-weight:700}\n.ctjcmp .cmp-tot{font-weight:700;font-size:16px;border-bottom:0;padding-top:14px}\n.ctjcmp .cmp-nt{color:var(--c-ink);font-weight:400}\n.ctjcmp .bom{color:var(--c-green-t);font-weight:700}\n.ctjcmp .ruim{color:var(--c-err);font-weight:700}\n.ctjcmp .cmp-eco{margin-top:14px;background:var(--c-dark);color:#eceadc;border-radius:16px;padding:16px 20px;font-size:14.5px;line-height:1.5}\n.ctjcmp .cmp-eco b{color:var(--c-neon);font-size:17px;display:block;margin-bottom:4px}\n.ctjcmp .cmp-nota{margin:10px 0 0;font-size:12.5px;color:var(--c-ink)}\n.ctjcmp .cmp-aviso{margin:0;font-size:15px}\n.ctjcmp .cmp-conc{margin-top:14px;background:var(--c-neon);color:var(--c-dark);border-radius:16px;padding:18px 20px}\n.ctjcmp .cmp-conc.ok{background:var(--c-paper)}\n.ctjcmp .cmp-conc b{display:block;font-size:18px;line-height:1.3;margin-bottom:4px}\n.ctjcmp .cmp-conc p{margin:0 0 12px;font-size:14.5px;line-height:1.5}\n.ctjcmp .cmp-conc p:last-child{margin:0}\n.ctjcmp .cmp-btn{border:0;background:var(--c-dark);color:#fff;border-radius:99px;padding:11px 20px;font:700 14.5px var(--texto,inherit);cursor:pointer}\n.ctjcmp .cmp-btn:hover{background:var(--c-green)}\n.ctjcmp .cmp-sec{padding:18px 0 6px;font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--c-green-t);border-bottom:1px solid var(--c-line)}\n.ctjcmp .cmp-sec small{display:block;text-transform:none;letter-spacing:0;font-weight:400;color:var(--c-ink);font-size:12px;margin-top:2px}\n.ctjcmp .cmp-liq{background:var(--c-dark);color:#fff;border-radius:12px;padding:12px;margin:8px 0;border-bottom:0;font-weight:700;font-size:16px}\n.ctjcmp .cmp-liq small{color:rgba(255,255,255,.75)}\n.ctjcmp .cmp-liq .bom{color:var(--c-neon)}\n.ctjcmp .cmp-liq .ruim{color:#FFB4A9}\n.ctjcmp .cmp-med{border-bottom:0;padding-top:4px}\n.ctjcmp .cmp-liq>div[data-l]::before{color:rgba(255,255,255,.7)}\n.ctjneg .ctjneg-dupla{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}\n.ctjneg .ctjneg-dupla .ctjneg-lin{border-top-color:rgba(2,38,1,.14)}\n.ctjneg .ctjneg-dupla .ctjneg-ponta strong{font-size:26px}\n.ctjneg-margem{background:#022601;color:#eceadc;border-radius:18px;padding:20px 22px;margin-bottom:16px}\n.ctjneg-margem small{display:block;font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px}\n.ctjneg-margem strong{display:block;font-family:Coolvetica,Raleway,system-ui,sans-serif;font-size:32px;line-height:1.08;color:#84BF04;font-variant-numeric:tabular-nums}\n.ctjneg-margem p{margin:6px 0 0;font-size:13.5px;line-height:1.45}\n.ctjneg-barra{position:relative;height:12px;border-radius:99px;background:rgba(236,234,220,.18);margin:34px 0 10px}\n.ctjneg-zona{position:absolute;top:0;bottom:0;background:#84BF04;border-radius:99px}\n.ctjneg-marca{position:absolute;top:-6px;width:2px;height:24px;margin-left:-1px;background:#022601}\n.ctjneg-marca span{position:absolute;bottom:28px;left:50%;transform:translateX(-50%);font-size:11.5px;white-space:nowrap;color:#eceadc}\n.ctjneg-prop{position:absolute;top:-6px;width:24px;height:24px;margin-left:-12px;border-radius:50%;background:#fff;border:4px solid #022601;box-shadow:0 0 0 2px #fff}\n.ctjneg-eixo{display:flex;justify-content:space-between;gap:12px;font-size:12px;line-height:1.3}\n.ctjneg-eixo span:last-child{text-align:right}\n.ctjneg-eixo b{display:block;font-size:14px;color:#fff;font-variant-numeric:tabular-nums}\n.ctjneg-leg{display:flex;align-items:center;gap:8px;font-size:12.5px!important;margin-top:12px!important}\n.ctjneg-leg i{width:14px;height:14px;border-radius:50%;background:#fff;border:3px solid #022601;box-shadow:0 0 0 1.5px #fff;flex:none}\n@media(max-width:620px){\n.ctjcmp{padding:18px 14px}\n.ctjcmp .cmp-r{grid-template-columns:repeat(3,minmax(0,1fr));gap:4px 10px}\n.ctjcmp .cmp-r>div:first-child{grid-column:1\/-1}\n.ctjcmp .cmp-r>div{text-align:left;white-space:normal}\n.ctjcmp .cmp-r>div[data-l]::before{content:attr(data-l);display:block;font-size:10.5px;color:var(--c-ink);font-weight:600;text-transform:uppercase;letter-spacing:.04em}\n.ctjcmp .cmp-h{display:none}\n.ctjcmp .cmp-sum{padding:10px}\n.ctjneg .ctjneg-dupla{grid-template-columns:1fr}\n.ctjneg-margem strong{font-size:26px}\n}\n<\/style>\n<style>\n.ctjcp-res{display:none;padding-top:8px;padding-bottom:40px}\n.ctjcp-res .r-hero{background:var(--c-dark);color:#fff;border-radius:var(--raio-lg,30px);padding:clamp(22px,3.5vw,40px);display:grid;grid-template-columns:1.25fr 1fr;gap:28px;align-items:center}\n.ctjcp-res .r-k{font-size:15px;color:rgba(255,255,255,.82)}\n.ctjcp-res .r-big{font-family:var(--display,inherit);font-size:clamp(38px,6vw,60px);font-weight:700;color:var(--c-neon);line-height:1.02;margin:8px 0 12px;font-variant-numeric:tabular-nums;letter-spacing:-.01em}\n.ctjcp-res .r-big small{font-family:var(--texto,inherit);font-size:17px;color:#fff;font-weight:500;letter-spacing:0}\n.ctjcp-res .r-pill{display:inline-block;background:var(--c-neon);color:var(--c-dark);font-weight:700;font-size:13px;border-radius:99px;padding:4px 12px;margin:0 6px 6px 0}\n.ctjcp-res .r-pill.o{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35)}\n.ctjcp-res .r-sim{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:20px;padding:18px}\n.ctjcp-res .r-sim label{font-size:14px;font-weight:600;display:block}\n.ctjcp-res .r-sim .cp-money{border-color:transparent}\n.ctjcp-res .r-out{margin-top:12px;font-size:14.5px;color:rgba(255,255,255,.85)}\n.ctjcp-res .r-out b{font-size:21px;display:block;color:#fff}\n.ctjcp-res .r-out b.pos{color:var(--c-neon)}\n.ctjcp-res .r-out b.neg{color:#FFB4A9}\n.ctjcp-res .r-cols{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:20px}\n.ctjcp-res .r-card{background:#fff;border:1px solid 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class=\"abertura\">\n<div class=\"faixa abertura-grade fr-abertura\">\n<div class=\"abertura-texto\">\n<p class=\"rotulo\">Calculadora Aut\u00f4nomo x PJ<\/p>\n<h1>Aut\u00f4nomo ou PJ? <span class=\"leve\">Veja quanto sobra no seu bolso em cada caso em 2026.<\/span><\/h1>\n<p class=\"lead\">Emite recibo como pessoa f\u00edsica e paga Carn\u00ea-Le\u00e3o, ou recebe de empresas por RPA? A calculadora aut\u00f4nomo x PJ compara o INSS e o imposto de renda que voc\u00ea paga hoje com o que pagaria com CNPJ no Simples Nacional, j\u00e1 com a regra da sua profiss\u00e3o e a nova isen\u00e7\u00e3o do IR.<\/p>\n<p class=\"gatilho t-sm apoio\">Calculadora aut\u00f4nomo x PJ atualizada em outubro de 2026, com as tabelas de INSS e IR de 2026 e a redu\u00e7\u00e3o do IR da Lei 15.270\/2025.<\/p>\n<\/div>\n<div id=\"calculadora\" class=\"fr-hero-calc\">\n<div id=\"ctjap-form-wrap\" class=\"ctjcp\">\n<form id=\"apForm\" class=\"cp-card\" novalidate>\n<div class=\"cp-etapa\"><span class=\"cp-n\">1<\/span>Sua profiss\u00e3o<\/div>\n<div class=\"cp-row ult\">\n<div class=\"cp-lab\">Profiss\u00e3o<span class=\"cp-i\" tabindex=\"0\" title=\"A profiss\u00e3o define o anexo do Simples Nacional e se voc\u00ea entra no Fator R.\">i<\/span><\/div>\n<div class=\"cp-ctl\">\n<div class=\"cp-sel\">\n<select id=\"apProf\" aria-label=\"Profiss\u00e3o\">\n<option value=\"\">Selecione a sua profiss\u00e3o<\/option>\n<optgroup label=\"Sa\u00fade\">\n<option value=\"fatorR|psic\u00f3logo\">Psic\u00f3logo<\/option>\n<option value=\"fatorR|m\u00e9dico\">M\u00e9dico<\/option>\n<option value=\"fatorR|dentista\">Dentista<\/option>\n<option value=\"fatorR|nutricionista\">Nutricionista<\/option>\n<option value=\"fatorR|fonoaudi\u00f3logo\">Fonoaudi\u00f3logo<\/option>\n<option value=\"fatorR|terapeuta ocupacional\">Terapeuta ocupacional<\/option>\n<option value=\"fatorR|fisioterapeuta\">Fisioterapeuta<\/option>\n<\/optgroup>\n<optgroup label=\"Direito\">\n<option value=\"iv|advogado\">Advogado<\/option>\n<\/optgroup>\n<optgroup label=\"Tecnologia, comunica\u00e7\u00e3o e consultoria\">\n<option value=\"fatorR|desenvolvedor ou profissional de TI\">Dev ou profissional de TI<\/option>\n<option value=\"fatorR|designer\">Designer<\/option>\n<option value=\"fatorR|profissional de marketing ou publicidade\">Marketing ou publicidade<\/option>\n<option value=\"fatorR|jornalista ou produtor de conte\u00fado\">Jornalista ou criador de conte\u00fado<\/option>\n<option value=\"fatorR|consultor\">Consultor<\/option>\n<\/optgroup>\n<optgroup label=\"Outras profiss\u00f5es\">\n<option value=\"fatorR|engenheiro\">Engenheiro<\/option>\n<option value=\"fatorR|arquiteto\">Arquiteto ou urbanista<\/option>\n<option value=\"fatorR|representante comercial\">Representante comercial<\/option>\n<option value=\"iii|contador\">Contador<\/option>\n<option value=\"iii|professor ou instrutor\">Professor de cursos livres<\/option>\n<option value=\"outra|outra profiss\u00e3o\">Outra profiss\u00e3o de servi\u00e7o<\/option>\n<\/optgroup>\n<\/select>\n<\/div>\n<div class=\"cp-err\" id=\"apErrProf\">Escolha a sua profiss\u00e3o. Ela muda a regra de imposto da conta.<\/div>\n<div class=\"cp-regra\" id=\"apRegra\" hidden><p><\/p><\/div>\n<\/div>\n<\/div>\n<div class=\"cp-etapa cp-sep\"><span class=\"cp-n\">2<\/span>Como voc\u00ea recebe hoje<\/div>\n<div class=\"cp-row\">\n<div class=\"cp-lab\">Quem te paga<span class=\"cp-i\" tabindex=\"0\" title=\"Se voc\u00ea recebe dos dois jeitos, escolha de onde vem a maior parte do dinheiro.\">i<\/span><\/div>\n<div class=\"cp-ctl\">\n<div class=\"cp-pills\" role=\"radiogroup\" aria-label=\"Quem te paga\">\n<button type=\"button\" class=\"cp-pill on\" role=\"radio\" aria-checked=\"true\" data-tipo=\"pf\">Pessoa f\u00edsica<\/button>\n<button type=\"button\" class=\"cp-pill\" role=\"radio\" aria-checked=\"false\" data-tipo=\"rpa\">Empresa (RPA)<\/button>\n<\/div>\n<p class=\"ap-dica\" id=\"apDicaTipo\">Voc\u00ea recolhe o Carn\u00ea-Le\u00e3o todo m\u00eas e paga 20% de INSS como aut\u00f4nomo.<\/p>\n<\/div>\n<\/div>\n<div class=\"cp-row\">\n<div class=\"cp-lab\">Quanto recebe por m\u00eas<span class=\"cp-i\" tabindex=\"0\" title=\"M\u00e9dia do que entra por m\u00eas com o seu trabalho, antes de qualquer desconto. Se varia muito, use a m\u00e9dia dos \u00faltimos 12 meses.\">i<\/span><\/div>\n<div class=\"cp-ctl\">\n<div class=\"cp-money\"><span>R$<\/span><input id=\"apRend\" inputmode=\"numeric\" placeholder=\"0,00\" autocomplete=\"off\" aria-label=\"Quanto recebe por m\u00eas\"><\/div>\n<div class=\"cp-err\" id=\"apErrRend\">Informe um valor entre R$ 1.621,00 e R$ 400.000,00 por m\u00eas.<\/div>\n<\/div>\n<\/div>\n<div class=\"cp-row ult\" id=\"apLinhaDesp\">\n<div class=\"cp-lab\">Despesas da profiss\u00e3o<span class=\"cp-i\" tabindex=\"0\" title=\"Gastos do m\u00eas que voc\u00ea anota no livro-caixa, como aluguel do consult\u00f3rio, materiais e conselho de classe. Eles diminuem o IR no Carn\u00ea-Le\u00e3o. Se n\u00e3o sabe, deixe em branco.\">i<\/span><\/div>\n<div class=\"cp-ctl\">\n<div class=\"cp-money\"><span>R$<\/span><input id=\"apDesp\" inputmode=\"numeric\" placeholder=\"0,00\" autocomplete=\"off\" aria-label=\"Despesas da profiss\u00e3o por m\u00eas\"><\/div>\n<\/div>\n<\/div>\n<button type=\"submit\" class=\"cp-btn\">Comparar aut\u00f4nomo x PJ<\/button>\n<p class=\"cp-nota\"><span>Resultado na hora e sem cadastro. A calculadora aut\u00f4nomo x PJ j\u00e1 usa as regras de 2026.<\/span><span class=\"cp-i\" tabindex=\"0\" title=\"Estimativa para compara\u00e7\u00e3o. Veja como a conta \u00e9 feita logo abaixo do resultado.\">i<\/span><\/p>\n<\/form>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"faixa ctjcp ctjcp-res\" id=\"apRes\" aria-live=\"polite\" hidden>\n<div class=\"r-hero\">\n<div>\n<div class=\"r-k\" id=\"apK\">Com CNPJ, sobra no seu bolso<\/div>\n<div class=\"r-big\" id=\"apBig\">R$ 0<small>\/m\u00eas a mais<\/small><\/div>\n<span class=\"r-pill\" id=\"apPct\"><\/span><span class=\"r-pill o\" id=\"apProfPill\"><\/span>\n<\/div>\n<div class=\"ap-hero-lado\" id=\"apHeroLado\"><\/div>\n<\/div>\n<div class=\"ctjcmp\" id=\"apCmp\"><\/div>\n<div class=\"r-note\" id=\"rFator\"><\/div>\n<div class=\"r-cta\">\n<div>\n<h3 id=\"apCtaTit\">Quer trocar o Carn\u00ea-Le\u00e3o pelo CNPJ? <span class=\"leve\">Fale com um contador antes de abrir.<\/span><\/h3>\n<p>Ent\u00e3o, um especialista da Contaj\u00e1 confere a sua conta, confirma o anexo da sua profiss\u00e3o e mostra o melhor CNAE para abrir seu CNPJ pagando o imposto certo.<\/p>\n<\/div>\n<div class=\"escolhas\">\n<a class=\"botao\" href=\"https:\/\/checkout.contaja.com.br\/home\/opening?utm_source=lp&amp;utm_medium=calculadora&amp;utm_campaign=calculadora-autonomo-pj&amp;utm_content=resultado&amp;ref=lp-calculadora-autonomo-pj\" target=\"_blank\" rel=\"noopener\">Vou abrir: falar com um contador <i><svg viewBox=\"0 -960 960 960\" aria-hidden=\"true\"><use href=\"#seta-dir\"><\/use><\/svg><\/i><\/a>\n<a class=\"botao\" href=\"https:\/\/checkout.contaja.com.br\/home\/migration?utm_source=lp&amp;utm_medium=calculadora&amp;utm_campaign=calculadora-autonomo-pj&amp;utm_content=resultado&amp;ref=lp-calculadora-autonomo-pj\" target=\"_blank\" rel=\"noopener\">J\u00e1 tenho CNPJ: falar com um contador <i><svg viewBox=\"0 -960 960 960\" aria-hidden=\"true\"><use href=\"#seta-dir\"><\/use><\/svg><\/i><\/a>\n<\/div>\n<\/div>\n<details>\n<summary>Como a calculadora aut\u00f4nomo x PJ faz a conta<\/summary>\n<h3 class=\"r-dh\">Como aut\u00f4nomo<\/h3>\n<ul>\n<li><b>Pessoas f\u00edsicas (Carn\u00ea-Le\u00e3o):<\/b> voc\u00ea paga 20% de INSS como contribuinte individual sobre o que recebe, entre o sal\u00e1rio m\u00ednimo (R$ 1.621,00) e o teto (R$ 8.475,55). Em seguida, o IR segue a tabela progressiva mensal de 2026, sobre o valor recebido menos o INSS e as despesas do livro-caixa.<\/li>\n<li><b>Empresas (RPA):<\/b> a empresa desconta 11% de INSS, limitado ao teto, e ret\u00e9m o IR pela tabela de 2026. As despesas do livro-caixa s\u00f3 entram no ajuste anual, por isso n\u00e3o aparecem aqui.<\/li>\n<li><b>Isen\u00e7\u00e3o do IR:<\/b> aplicamos a redu\u00e7\u00e3o da Lei 15.270\/2025. Assim, at\u00e9 R$ 5.000,00 recebidos no m\u00eas, o IR fica zerado na maioria dos casos. Entre R$ 5.000,01 e R$ 7.350,00, a redu\u00e7\u00e3o diminui aos poucos.<\/li>\n<li><b>ISS do aut\u00f4nomo:<\/b> muitas prefeituras cobram uma taxa fixa por ano. Por\u00e9m, como o valor muda de cidade para cidade, ele ficou de fora. Ou seja, o custo real do aut\u00f4nomo pode ser um pouco maior.<\/li>\n<\/ul>\n<h3 class=\"r-dh\">Com CNPJ<\/h3>\n<ul>\n<li><b>Simples Nacional:<\/b> a al\u00edquota efetiva \u00e9 calculada considerando o mesmo valor por 12 meses (limite de R$ 4,8 milh\u00f5es por ano). Al\u00e9m disso, o ISS j\u00e1 vem dentro do imposto do Simples.<\/li>\n<li><b>Profiss\u00e3o:<\/b> define o anexo. Advogados ficam no Anexo IV. Contadores e professores de cursos livres ficam no Anexo III. Por outro lado, as demais profiss\u00f5es da lista dependem do Fator R.<\/li>\n<li><b>Fator R:<\/b> quando o pr\u00f3-labore \u00e9 de pelo menos 28% do faturamento, a empresa paga pelo Anexo III, a partir de 6%. Por isso, nessas profiss\u00f5es, usamos um pr\u00f3-labore de 28% do valor (no m\u00ednimo, 1 sal\u00e1rio m\u00ednimo).<\/li>\n<li><b>Pr\u00f3-labore:<\/b> tem 11% de INSS do s\u00f3cio (limitado ao teto) e IR pela tabela de 2026, com a mesma redu\u00e7\u00e3o da Lei 15.270\/2025. Nas profiss\u00f5es que n\u00e3o dependem do Fator R, usamos 1 sal\u00e1rio m\u00ednimo, porque \u00e9 a base m\u00ednima do INSS. Al\u00e9m disso, no Anexo IV, a empresa paga 20% de INSS patronal sobre o pr\u00f3-labore.<\/li>\n<li><b>Lucros:<\/b> s\u00e3o distribu\u00eddos sem IR at\u00e9 R$ 50 mil por m\u00eas. Acima disso, por\u00e9m, aplicamos a reten\u00e7\u00e3o de 10% prevista na Lei 15.270\/2025.<\/li>\n<li><b>Contabilidade:<\/b> usamos R$ 137,00\/m\u00eas, valor de entrada do plano Simples Nacional da Contaj\u00e1. Por fim, as taxas de abertura n\u00e3o entram na conta mensal.<\/li>\n<li>Em resumo, os valores s\u00e3o estimativas para compara\u00e7\u00e3o e, portanto, n\u00e3o substituem a an\u00e1lise de um contador com os dados reais do seu caso.<\/li>\n<\/ul>\n<\/details>\n<p class=\"ctj-rodape-legal\">Simula\u00e7\u00e3o informativa, baseada na legisla\u00e7\u00e3o vigente em 2026 e sujeita \u00e0s condi\u00e7\u00f5es do caso. Considera um m\u00eas t\u00edpico, sem dependentes, pens\u00e3o ou outras dedu\u00e7\u00f5es.<\/p>\n<\/div>\n<\/section>\n<style>\n#como-funciona .fr-ex-grade { margin-top: 24px; }\n.fr-ex-contador { display: flex; flex-direction: column; }\n.fr-ex-cta { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; margin-top: auto; padding-top: 20px; }\n.fr-ex-cta-apoio { margin: 0px; color: var(--tinta-escura,#D3D9C6); font-size: 15px; }\n.fr-ex-cta-apoio a { color: var(--neon,#84BF04); font-weight: 700; }\n.fr-ex-formula .frm { display: flex; align-items: center; flex-wrap: wrap; gap: 14px; margin: 6px 0px 18px; }\n.fr-ex-lista { list-style: none; margin: 6px 0px 14px; padding: 0px; counter-reset: ex 0; }\n.fr-ex-lista li { counter-increment: ex 1; display: grid; grid-template-columns: 34px 1fr; align-items: center; gap: 12px; padding: 10px 0px; border-top: 1px solid var(--filete-escuro,rgba(242,239,228,.18)); color: var(--tinta-escura,#D3D9C6); }\n.fr-ex-lista 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strong{font-size:28px}\n.sim10-neg-tit{font-size:26px}\n.sim10-faixa{grid-template-columns:1fr}\n.sim10-seta{display:none}\n.sim10-btn{width:100%;text-align:center}\n}\n<\/style>\n<section id=\"como-funciona\" class=\"bloco bloco--escuro fr-explica\">\n<div class=\"faixa\">\n<h2 class=\"revela\">Aut\u00f4nomo x PJ: <span class=\"leve\">o que muda no seu imposto.<\/span><\/h2>\n<div class=\"fr-ex-grade\">\n<div class=\"fr-ex-item revela\">\n<b>Como aut\u00f4nomo, pessoa f\u00edsica<\/b>\n<p>Quem emite recibo como pessoa f\u00edsica paga o imposto de renda pela tabela progressiva, que chega a 27,5%, e, al\u00e9m disso, contribui para o INSS como aut\u00f4nomo.<\/p>\n<ol class=\"fr-ex-lista\">\n<li><span><strong>Carn\u00ea-Le\u00e3o todo m\u00eas<\/strong> quando quem paga \u00e9 paciente ou cliente pessoa f\u00edsica<\/span><\/li>\n<li><span><strong>RPA com desconto na fonte<\/strong> quando quem paga \u00e9 uma empresa, que ainda gasta 20% a mais de INSS para te contratar<\/span><\/li>\n<li><span><strong>INSS de 20%<\/strong> sobre o que voc\u00ea recebe, at\u00e9 o teto (11% quando a empresa desconta no RPA)<\/span><\/li>\n<\/ol>\n<\/div>\n<div class=\"fr-ex-item revela\">\n<b>Com CNPJ no Simples Nacional<\/b>\n<ol class=\"fr-ex-lista\">\n<li><span><strong>Um imposto s\u00f3 por m\u00eas<\/strong> calculado sobre as notas emitidas, j\u00e1 com o ISS dentro<\/span><\/li>\n<li><span><strong>INSS sobre o pr\u00f3-labore<\/strong> 11% sobre o valor que voc\u00ea define como seu sal\u00e1rio de s\u00f3cio<\/span><\/li>\n<li><span><strong>Lucros sem IR<\/strong> at\u00e9 R$ 50 mil por m\u00eas por empresa, com a contabilidade em dia<\/span><\/li>\n<li><span><strong>Nota fiscal para quem te paga<\/strong> inclusive paciente pessoa f\u00edsica, que segue abatendo a consulta no IR quando ela \u00e9 dedut\u00edvel<\/span><\/li>\n<\/ol>\n<\/div>\n<div class=\"fr-ex-item revela\">\n<h3 class=\"fr-ex-h\" style=\"margin:0;padding:0;font:inherit;color:inherit;letter-spacing:inherit;text-transform:inherit;line-height:inherit;border:0;background:none\"><b>Imposto na medida certa<\/b><\/h3>\n<div class=\"fr-ex-comp\">\n<div><span>Com CNPJ no Simples Nacional<\/span><strong>a partir de 6%<\/strong><small>4,5% para advogados<\/small><\/div>\n<div><span>Recebendo como aut\u00f4nomo<\/span><strong>at\u00e9 27,5%<\/strong><small>de IR, mais at\u00e9 20% de INSS<\/small><\/div>\n<\/div>\n<p>Al\u00e9m disso, tem novidade em 2026: a isen\u00e7\u00e3o do IR para quem recebe at\u00e9 R$ 5 mil por m\u00eas vale tamb\u00e9m no Carn\u00ea-Le\u00e3o. Por isso, para quem recebe pouco, a diferen\u00e7a diminui. Mas a calculadora aut\u00f4nomo x PJ j\u00e1 mostra a partir de quanto o CNPJ compensa para voc\u00ea.<\/p>\n<\/div>\n<div class=\"fr-ex-item fr-ex-contador revela\">\n<b>Vai abrir o CNPJ?<\/b>\n<p>Ent\u00e3o vale conferir tr\u00eas pontos antes, para n\u00e3o pagar mais do que precisa:<\/p>\n<ol class=\"fr-ex-lista\">\n<li><span><strong>CNAE certo<\/strong> evita cair num anexo mais caro<\/span><\/li>\n<li><span><strong>Pr\u00f3-labore de 28%<\/strong> mant\u00e9m no Anexo III quem tem profiss\u00e3o com Fator R<\/span><\/li>\n<li><span><strong>Registro no conselho<\/strong> como CRP, CRM ou OAB, que algumas profiss\u00f5es exigem tamb\u00e9m para a empresa<\/span><\/li>\n<\/ol>\n<div class=\"fr-ex-cta\">\n<a class=\"botao\" href=\"https:\/\/checkout.contaja.com.br\/home\/opening?utm_source=lp&amp;utm_medium=calculadora&amp;utm_campaign=calculadora-autonomo-pj&amp;utm_content=como-funciona&amp;ref=lp-calculadora-autonomo-pj\" target=\"_blank\" rel=\"noopener\">Quero uma an\u00e1lise gratuita <i><svg viewBox=\"0 -960 960 960\" aria-hidden=\"true\"><use href=\"#seta-dir\"><\/use><\/svg><\/i><\/a>\n<p class=\"fr-ex-cta-apoio\">Um especialista da Contaj\u00e1 confere seu CNAE, seu anexo e o pr\u00f3-labore ideal antes de voc\u00ea abrir o CNPJ.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"bloco bloco--neon ponte\">\n<div class=\"faixa revela\">\n<div class=\"sim10\">\n<h3 class=\"sim10-tit\" style=\"margin-top:0\">Na pr\u00e1tica: <b>aut\u00f4nomo x PJ com R$ 8 mil por m\u00eas<\/b><\/h3>\n<div class=\"sim10-sub\">Por exemplo, uma psic\u00f3loga que atende pacientes particulares e recebe R$ 8 mil por m\u00eas. Psicologia \u00e9 profiss\u00e3o com Fator R.<\/div>\n<div class=\"sim10-grid\">\n<div class=\"sim10-card\">\n<span class=\"sim10-tag\">Aut\u00f4noma<\/span>\n<div class=\"sim10-head\">Recebendo R$ 8.000 de pacientes<\/div>\n<div class=\"sim10-lin\"><span>Recebido no m\u00eas<\/span><span>R$ 8.000,00<\/span><\/div>\n<div class=\"sim10-lin\"><span>INSS<small>20% como aut\u00f4noma<\/small><\/span><span>\u2212 R$ 1.600,00<\/span><\/div>\n<div class=\"sim10-lin\"><span>Carn\u00ea-Le\u00e3o<small>Tabela de 2026, acima da faixa de isen\u00e7\u00e3o<\/small><\/span><span>\u2212 R$ 851,27<\/span><\/div>\n<div class=\"sim10-tot\"><span>Sobra no m\u00eas<\/span><strong>R$ 5.548,73<\/strong><\/div>\n<\/div>\n<div class=\"sim10-card\">\n<span class=\"sim10-tag\">PJ<\/span>\n<div class=\"sim10-head\">Emitindo R$ 8.000 em notas<\/div>\n<div class=\"sim10-lin\"><span>Faturamento<\/span><span>R$ 8.000,00<\/span><\/div>\n<div class=\"sim10-lin\"><span>Imposto do Simples<small>Anexo III, 6% do faturamento<\/small><\/span><span>\u2212 R$ 480,00<\/span><\/div>\n<div class=\"sim10-lin\"><span>INSS da s\u00f3cia<small>11% do pr\u00f3-labore de R$ 2.240,01<\/small><\/span><span>\u2212 R$ 246,40<\/span><\/div>\n<div class=\"sim10-lin\"><span>IR sobre o pr\u00f3-labore<small>Zerado pela isen\u00e7\u00e3o at\u00e9 R$ 5 mil<\/small><\/span><span>R$ 0,00<\/span><\/div>\n<div class=\"sim10-lin\"><span>Contabilidade Contaj\u00e1<small>Plano de entrada<\/small><\/span><span>\u2212 R$ 137,00<\/span><\/div>\n<div class=\"sim10-tot\"><span>Sobra no m\u00eas<\/span><strong>R$ 7.136,60<\/strong><\/div>\n<\/div>\n<\/div>\n<div class=\"sim10-dif\"><span>Portanto, com CNPJ, sobram R$ 1.587,87 a mais por m\u00eas. No ano, s\u00e3o R$ 19.054,44.<\/span><strong>+ R$ 1.587,87\/m\u00eas<\/strong><\/div>\n<div class=\"sim10-rod\">\n<a class=\"sim10-btn\" href=\"#calculadora\">Simular o meu caso<\/a>\n<span class=\"sim10-nota\">Simula\u00e7\u00e3o sem despesas de livro-caixa e sem o ISS fixo da prefeitura, embora ele aumente o custo da aut\u00f4noma.<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"bloco prova\" id=\"quem-atende\">\n  <div class=\"prova-lavagem\" aria-hidden=\"true\"><\/div>\n\n  <img class=\"prova-pessoa\" src=\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/2026\/08\/isabella-1.webp\" alt=\"Especialista da Contaj\u00e1 sorrindo, pronto para tirar d\u00favidas da calculadora aut\u00f4nomo x PJ\" width=\"1244\" height=\"1555\" loading=\"lazy\" decoding=\"async\">\n\n  <div class=\"faixa\">\n    <p class=\"rotulo revela\">\n      <svg class=\"ast\" viewBox=\"0 0 100 100\" aria-hidden=\"true\"><use href=\"#ast-linhas\"><\/use><\/svg>\n      Quem j\u00e1 confia na Contaj\u00e1\n    <\/p>\n\n    <div class=\"prova-grade\">\n      <h2 class=\"revela\">Quem j\u00e1 \u00e9 cliente conta <span class=\"leve\">como \u00e9 ter a Contaj\u00e1 por perto.<\/span><\/h2>\n\n      <figure class=\"fala revela\">\n        <blockquote>&#8220;Sou PJ h\u00e1 pouco tempo, ent\u00e3o precisei do suporte para entender os impostos e a emiss\u00e3o de nota. <b>Sempre consegui ajuda<\/b> e fui devidamente orientado.&#8221;<\/blockquote>\n        <figcaption>\n          <span class=\"estrelas\" role=\"img\" aria-label=\"cinco de cinco estrelas\">\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n          <\/span>\n          <b>Marcio Ishii<\/b>\n          <span class=\"fala-fonte\">Google<\/span>\n        <\/figcaption>\n      <\/figure>\n\n      <div class=\"quem revela\">\n        <figure class=\"quem-video\">\n          <div class=\"tocador\" data-tocador=\"\">\n            <video src=\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/2026\/08\/clientes-falam.mp4\" poster=\"https:\/\/contaja.com.br\/lp\/wp-content\/uploads\/2026\/08\/clientes-falam.webp\" width=\"720\" height=\"720\" muted=\"\" playsinline=\"\" preload=\"metadata\" aria-label=\"Avalia\u00e7\u00f5es de clientes da Contaj\u00e1 publicadas no Google, lidas em v\u00eddeo\"><\/video>\n\n            <button class=\"tocador-som\" type=\"button\" data-som=\"\">\n              <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#ico-som\"><\/use><\/svg>\n              <span data-som-rotulo=\"\">Ativar som<\/span>\n            <\/button>\n\n            <div class=\"tocador-barra\">\n              <button class=\"tocador-botao\" type=\"button\" data-play=\"\" aria-label=\"Pausar o v\u00eddeo\">\n                <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#ico-pausar\"><\/use><\/svg>\n              <\/button>\n              <input class=\"tocador-linha\" type=\"range\" min=\"0\" max=\"1000\" value=\"0\" step=\"1\" data-linha=\"\" aria-label=\"Posi\u00e7\u00e3o do v\u00eddeo\">\n              <span class=\"tocador-tempo\" data-tempo=\"\">0:00<\/span>\n\n              <div class=\"tocador-volume\">\n                <button class=\"tocador-mudo\" type=\"button\" data-mudo=\"\" aria-label=\"Ativar o som\">\n                  <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#ico-mudo\"><\/use><\/svg>\n                <\/button>\n                <input class=\"tocador-nivel\" type=\"range\" min=\"0\" max=\"100\" value=\"80\" step=\"1\" data-nivel=\"\" aria-label=\"Volume\">\n              <\/div>\n            <\/div>\n          <\/div>\n          <figcaption>Avalia\u00e7\u00f5es que clientes deixaram no Google, lidas em 1 minuto.<\/figcaption>\n        <\/figure>\n      <\/div>\n    <\/div>\n\n    <ul class=\"recortes revela\">\n      <li>\n        <p>&#8220;A <b>melhor escolha<\/b> que eu j\u00e1 fiz em 14 anos de empresa foi migrar para a Contaj\u00e1. Tenho a impress\u00e3o de estar sendo atendido por uma empresa do lado do meu escrit\u00f3rio.&#8221;<\/p>\n        <footer>\n          <span class=\"estrelas\" role=\"img\" aria-label=\"cinco de cinco estrelas\">\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n          <\/span>\n          <b>Bruno Fernandes<\/b>\n        <\/footer>\n      <\/li>\n      <li>\n        <p>&#8220;Apoio pelo WhatsApp \u00e9 eficiente. Ideal para quem n\u00e3o domina contabilidade e precisa de um apoio humanizado.&#8221;<\/p>\n        <footer>\n          <span class=\"estrelas\" role=\"img\" aria-label=\"cinco de cinco estrelas\">\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n          <\/span>\n          <b>Gabriel Dias<\/b>\n        <\/footer>\n      <\/li>\n      <li>\n        <p>&#8220;Vou para o terceiro ano contratando a Contaj\u00e1. Atendimento de suporte sempre pontual e resolutivo.&#8221;<\/p>\n        <footer>\n          <span class=\"estrelas\" role=\"img\" aria-label=\"cinco de cinco estrelas\">\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><use href=\"#estrela\"><\/use><\/svg>\n          <\/span>\n          <b>Matheus Ribeiro Damasceno<\/b>\n        <\/footer>\n      <\/li>\n    <\/ul>\n\n    <style>\n@media (min-width:760px){.agregados.ag4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr))}}\n<\/style>\n    <ul class=\"agregados ag4 revela\">\n      <li>\n        <b>9,4<\/b>\n        <span>no Reclame Aqui, com selo RA1000<\/span>\n      <\/li>\n      <li>\n        <b>+20 mil<\/b>\n        <span>empresas clientes da Contaj\u00e1<\/span>\n      <\/li>\n      <li>\n        <b>10 anos<\/b>\n        <span>de Contaj\u00e1, desde 2016<\/span>\n      <\/li>\n      <li>\n        <b>CRC<\/b>\n        <span>MG-011625\/O-9, o registro da empresa no conselho de contabilidade<\/span>\n      <\/li>\n    <\/ul>\n  <\/div>\n<\/section>\n\n<section id=\"comecar\" class=\"bloco bloco--papel conversao\">\n<div class=\"faixa\">\n<div class=\"conversao-cabeca revela\">\n<h2>Viu a diferen\u00e7a? <span class=\"leve\">Fale com um contador antes de abrir o CNPJ.<\/span><\/h2>\n<p class=\"apoio\">Um especialista da Contaj\u00e1 confere os n\u00fameros da sua simula\u00e7\u00e3o na calculadora aut\u00f4nomo x PJ, confirma o anexo da sua profiss\u00e3o e mostra o melhor CNAE para abrir seu CNPJ. Planos a partir de R$ 137\/m\u00eas, mensais ou anuais.<\/p>\n<\/div>\n<div class=\"escolhas revela\">\n<a class=\"botao\" href=\"https:\/\/checkout.contaja.com.br\/home\/opening?utm_source=lp&amp;utm_medium=calculadora&amp;utm_campaign=calculadora-autonomo-pj&amp;utm_content=secao-comecar&amp;ref=lp-calculadora-autonomo-pj\" target=\"_blank\" rel=\"noopener\">Vou abrir: falar com um contador <i><svg viewBox=\"0 -960 960 960\" aria-hidden=\"true\"><use href=\"#seta-dir\"><\/use><\/svg><\/i><\/a>\n<a class=\"botao\" href=\"https:\/\/checkout.contaja.com.br\/home\/migration?utm_source=lp&amp;utm_medium=calculadora&amp;utm_campaign=calculadora-autonomo-pj&amp;utm_content=secao-comecar&amp;ref=lp-calculadora-autonomo-pj\" target=\"_blank\" rel=\"noopener\">J\u00e1 tenho CNPJ: falar com um contador <i><svg viewBox=\"0 -960 960 960\" aria-hidden=\"true\"><use href=\"#seta-dir\"><\/use><\/svg><\/i><\/a>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"duvidas\" class=\"bloco bloco--escuro duvidas\">\n<div class=\"faixa\">\n<div class=\"duvidas-grade\">\n<div class=\"duvidas-cabeca\">\n<h2>D\u00favidas <span class=\"leve\">sobre aut\u00f4nomo x PJ<\/span><\/h2>\n<p class=\"apoio\">Respostas curtas para as d\u00favidas mais comuns de quem usa a calculadora aut\u00f4nomo x PJ e pensa em sair do Carn\u00ea-Le\u00e3o ou do RPA.<\/p>\n<\/div>\n<div class=\"duvidas-lista\">\n<details class=\"revela\"><summary><h3>Vale a pena sair do Carn\u00ea-Le\u00e3o e abrir CNPJ?<\/h3><span class=\"mais\"><\/span><\/summary><p>Na maioria dos casos, sim, principalmente a partir de uns R$ 2.300 por m\u00eas recebidos de pessoas f\u00edsicas. Isso porque, como aut\u00f4nomo, voc\u00ea paga 20% de INSS e IR de at\u00e9 27,5%, enquanto no Simples Nacional o imposto come\u00e7a em 6% para profiss\u00f5es no Anexo III. Al\u00e9m disso, com CNPJ voc\u00ea passa a fechar contratos com empresas que s\u00f3 contratam PJ. Por isso, vale simular o seu caso na calculadora aut\u00f4nomo x PJ, j\u00e1 que o valor muda com a profiss\u00e3o e com as despesas do livro-caixa.<\/p><\/details>\n<details class=\"revela\"><summary><h3>Aut\u00f4nomo x PJ: a partir de quanto compensa ter CNPJ?<\/h3><span class=\"mais\"><\/span><\/summary><p>Depende de quem te paga. Recebendo de pessoas f\u00edsicas, o CNPJ costuma compensar a partir de uns R$ 2.300 por m\u00eas nas profiss\u00f5es do Anexo III ou com Fator R, e de uns R$ 4.100 para advogados. Recebendo de empresas por RPA, o ponto de virada sobe para uns R$ 5.200, porque o INSS descontado \u00e9 de 11% e a isen\u00e7\u00e3o do IR vai at\u00e9 R$ 5 mil. Por isso, na calculadora aut\u00f4nomo x PJ, voc\u00ea v\u00ea o ponto de virada da sua profiss\u00e3o.<\/p><\/details>\n<details class=\"revela\"><summary><h3>A isen\u00e7\u00e3o do IR at\u00e9 R$ 5 mil vale para o Carn\u00ea-Le\u00e3o?<\/h3><span class=\"mais\"><\/span><\/summary><p>Sim. A redu\u00e7\u00e3o da Lei 15.270\/2025 vale para os rendimentos sujeitos ao c\u00e1lculo mensal, o que inclui o Carn\u00ea-Le\u00e3o. Assim, quem recebe at\u00e9 R$ 5 mil por m\u00eas tem o IR zerado na maioria dos casos, e entre R$ 5.000,01 e R$ 7.350,00 a redu\u00e7\u00e3o diminui aos poucos. O INSS de 20% do aut\u00f4nomo, por\u00e9m, continua.<\/p><\/details>\n<details class=\"revela\"><summary><h3>Quanto um psic\u00f3logo paga de imposto como PJ?<\/h3><span class=\"mais\"><\/span><\/summary><p>Psicologia \u00e9 uma profiss\u00e3o com Fator R. Com pr\u00f3-labore de pelo menos 28% do faturamento, a empresa paga pelo Anexo III, a partir de 6%. Sem esse ajuste, por\u00e9m, cai no Anexo V, a partir de 15,5%. Da mesma forma, isso vale para m\u00e9dicos, dentistas, fisioterapeutas, nutricionistas e fonoaudi\u00f3logos.<\/p><\/details>\n<details class=\"revela\"><summary><h3>Advogado aut\u00f4nomo x PJ: o que muda?<\/h3><span class=\"mais\"><\/span><\/summary><p>Como PJ, a advocacia \u00e9 tributada pelo Anexo IV do Simples Nacional, a partir de 4,5%, sem Fator R. Por outro lado, nesse anexo a empresa paga \u00e0 parte 20% de INSS patronal sobre o pr\u00f3-labore. Al\u00e9m disso, a sociedade de advogados, inclusive a unipessoal, \u00e9 registrada na OAB, e n\u00e3o na Junta Comercial.<\/p><\/details>\n<details class=\"revela\"><summary><h3>O que \u00e9 RPA e quanto \u00e9 descontado?<\/h3><span class=\"mais\"><\/span><\/summary><p>O RPA (Recibo de Pagamento a Aut\u00f4nomo) \u00e9 o documento que a empresa usa para pagar um aut\u00f4nomo pessoa f\u00edsica. Nele, a empresa desconta 11% de INSS, limitado ao teto, e ret\u00e9m o IR pela tabela mensal. Al\u00e9m disso, ela paga mais 20% de INSS sobre o valor. Por isso, muitas empresas preferem contratar profissionais com CNPJ.<\/p><\/details>\n<details class=\"revela\"><summary><h3>Aut\u00f4nomo x PJ: como fica o INSS?<\/h3><span class=\"mais\"><\/span><\/summary><p>Como aut\u00f4nomo, voc\u00ea paga 20% de INSS sobre o que recebe (11% no RPA), at\u00e9 o teto, enquanto o s\u00f3cio de uma empresa paga 11% sobre o pr\u00f3-labore, tamb\u00e9m limitado ao teto. Assim, como PJ, voc\u00ea continua contando tempo para a aposentadoria. Por\u00e9m, a contribui\u00e7\u00e3o \u00e9 feita sobre o pr\u00f3-labore, e n\u00e3o sobre tudo o que a empresa fatura. Ou seja, um pr\u00f3-labore menor pode significar um benef\u00edcio menor no futuro. Por isso, vale conversar com o contador sobre isso.<\/p><\/details>\n<details class=\"revela\"><summary><h3>Com CNPJ, posso continuar atendendo pessoas f\u00edsicas?<\/h3><span class=\"mais\"><\/span><\/summary><p>Pode. A empresa emite nota fiscal para o paciente ou cliente pessoa f\u00edsica normalmente. Inclusive, nas profiss\u00f5es em que a consulta \u00e9 dedut\u00edvel no IR, como psicologia, medicina, odontologia e fisioterapia, o paciente continua podendo abater o valor pago \u00e0 empresa.<\/p><\/details>\n<details class=\"revela\"><summary><h3>O que muda nos lucros acima de R$ 50 mil por m\u00eas?<\/h3><span class=\"mais\"><\/span><\/summary><p>Desde 2026, quando uma mesma empresa paga mais de R$ 50 mil de lucros no m\u00eas para a mesma pessoa, h\u00e1 reten\u00e7\u00e3o de 10% de IR na fonte. A calculadora j\u00e1 considera essa regra. Nessa faixa de valor, por\u00e9m, vale uma an\u00e1lise mais completa, inclusive comparando com o Lucro Presumido.<\/p><\/details>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<script>\/* Motor da calculadora Aut\u00f4nomo x PJ (Contaj\u00e1): regras vigentes em 2026 *\/\nvar CTJ_AP = (function () {\n  var SM = 1621.00;            \/\/ sal\u00e1rio m\u00ednimo 2026\n  var TETO = 8475.55;          \/\/ teto INSS 2026 (Portaria Interministerial MPS\/MF 13\/2026)\n  var DESC_SIMPL = 607.20;     \/\/ desconto simplificado mensal (IRRF)\n  var CONTAB = 137.00;         \/\/ plano de entrada Contaj\u00e1 (mesmo da CLT x PJ)\n  var LIM_DIV = 50000;         \/\/ reten\u00e7\u00e3o de 10% sobre lucros acima de R$ 50 mil\/m\u00eas (Lei 15.270\/2025)\n  var IR = [ \/\/ tabela progressiva mensal 2026\n    [2428.80, 0, 0], [2826.65, 0.075, 182.16], [3751.05, 0.15, 394.16],\n    [4664.68, 0.225, 675.49], [Infinity, 0.275, 908.73]\n  ];\n  var ANEXOS = { \/\/ [limite RBT12, nominal, parcela a deduzir]\n    III: [[180000, .06, 0], [360000, .112, 9360], [720000, .135, 17640], [1800000, .16, 35640], [3600000, .21, 125640], [4800000, .33, 648000]],\n    IV:  [[180000, .045, 0], [360000, .09, 8100], [720000, .102, 12420], [1800000, .14, 39780], [3600000, .22, 183780], [4800000, .33, 828000]],\n    V:   [[180000, .155, 0], [360000, .18, 4500], [720000, .195, 9900], [1800000, .205, 17100], [3600000, .23, 62100], [4800000, .305, 540000]]\n  };\n  function r2(x) { return Math.round((x + Number.EPSILON) * 100) \/ 100; }\n  function irTabela(base) {\n    if (base <= 0) return 0;\n    for (var i = 0; i < IR.length; i++) if (base <= IR[i][0]) return Math.max(0, r2(base * IR[i][1] - IR[i][2]));\n    return 0;\n  }\n  \/\/ Redu\u00e7\u00e3o mensal da Lei 15.270\/2025: rendimento tribut\u00e1vel at\u00e9 5.000 -> at\u00e9 312,89; at\u00e9 7.350 -> 978,62 menos 0,133145 x rendimento\n  function reducao(imposto, rendTrib) {\n    var red = 0;\n    if (rendTrib <= 5000) red = 312.89;\n    else if (rendTrib <= 7350) red = Math.max(0, r2(978.62 - 0.133145 * rendTrib));\n    return Math.min(imposto, red);\n  }\n  function irMensal(base, rendTrib) {\n    var bruto = irTabela(base); var red = reducao(bruto, rendTrib);\n    return { bruto: bruto, reducao: red, devido: r2(bruto - red) };\n  }\n  function aliqEfetiva(anexo, fatMes) {\n    var rbt12 = fatMes * 12, t = ANEXOS[anexo];\n    for (var i = 0; i < t.length; i++) if (rbt12 <= t[i][0]) {\n      return i === 0 ? t[0][1] : (rbt12 * t[i][1] - t[i][2]) \/ rbt12;\n    }\n    return null;\n  }\n  function autonomo(rend, tipo, despesas) {\n    despesas = despesas || 0;\n    var inss, base, ir;\n    if (tipo === 'rpa') {\n      inss = r2(0.11 * Math.min(rend, TETO));\n      base = rend - Math.max(inss, DESC_SIMPL);\n    } else {\n      inss = r2(0.20 * Math.min(Math.max(rend, SM), TETO));\n      base = rend - inss - despesas;\n    }\n    ir = irMensal(base, rend);\n    return { rend: rend, inss: inss, ir: ir.devido, irBruto: ir.bruto, reducao: ir.reducao, base: r2(Math.max(0, base)),\n      impostos: r2(inss + ir.devido), liquido: r2(rend - inss - ir.devido) };\n  }\n  function regraPJ(grupo) { return grupo === 'iv' ? 'IV' : 'III'; }\n  function pj(fat, grupo, despesas) {\n    despesas = despesas || 0;\n    var anexo = regraPJ(grupo), fatorR = (grupo === 'fatorR' || grupo === 'outra');\n    var pl = fatorR ? Math.max(r2(fat * 0.28) + 0.01, SM) : SM;\n    if (pl > fat) pl = fat;\n    var aliq = aliqEfetiva(anexo, fat);\n    var simples = r2(fat * aliq);\n    var cpp = anexo === 'IV' ? r2(0.20 * pl) : 0;\n    var inssSocio = r2(0.11 * Math.min(pl, TETO));\n    var irPL = irMensal(pl - Math.max(inssSocio, DESC_SIMPL), pl).devido;\n    var lucro = r2(Math.max(0, fat - simples - cpp - pl - CONTAB - despesas));\n    var irDiv = lucro > LIM_DIV ? r2(0.10 * lucro) : 0;\n    var impostos = r2(simples + cpp + inssSocio + irPL + irDiv);\n    var semFator = null;\n    if (fatorR) {\n      var aV = aliqEfetiva('V', fat), sV = r2(fat * aV), plV = Math.min(SM, fat), inV = r2(0.11 * plV);\n      var irV = irMensal(plV - Math.max(inV, DESC_SIMPL), plV).devido;\n      var lV = r2(Math.max(0, fat - sV - plV - CONTAB - despesas)), dV = lV > LIM_DIV ? r2(0.10 * lV) : 0;\n      semFator = { aliq: aV, simples: sV, impostos: r2(sV + inV + irV + dV) };\n    }\n    return { fat: fat, anexo: anexo, fatorR: fatorR, aliq: aliq, simples: simples, cpp: cpp, prolabore: r2(pl),\n      inssSocio: inssSocio, irPL: irPL, lucro: lucro, irDiv: irDiv, contab: CONTAB,\n      impostos: impostos, liquido: r2(fat - impostos - CONTAB), semFator: semFator };\n  }\n  function comparar(rend, grupo, tipo, despesas) {\n    var a = autonomo(rend, tipo, despesas), p = pj(rend, grupo, despesas);\n    return { aut: a, pj: p, dif: r2(p.liquido - a.liquido) };\n  }\n  function empate(grupo, tipo, despesas) {\n    for (var v = 60000; v >= SM; v -= 10) {\n      if (comparar(v, grupo, tipo, despesas).dif < 0) return v + 10 > 60000 ? null : v + 10;\n    }\n    return SM;\n  }\n  return { r2: r2, irMensal: irMensal, aliqEfetiva: aliqEfetiva, autonomo: autonomo, pj: pj, comparar: comparar, empate: empate,\n    SM: SM, TETO: TETO, CONTAB: CONTAB, LIM_DIV: LIM_DIV };\n})();<\/script>\n<script>(function () {\n  var E = CTJ_AP, d = document;\n  var $ = function (id) { return d.getElementById(id); };\n  var form = $('apForm'); if (!form) return;\n  var fmt = function (v) { return 'R$ ' + Math.abs(v).toLocaleString('pt-BR', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); };\n  var fmt0 = function (v) { return 'R$ ' + Math.round(Math.abs(v)).toLocaleString('pt-BR'); };\n  var pct = function (v) { return (v * 100).toLocaleString('pt-BR', { minimumFractionDigits: 2, maximumFractionDigits: 2 }) + '%'; };\n  var num = function (el) { var s = (el.value || '').replace(\/\\D\/g, ''); return s ? parseInt(s, 10) \/ 100 : 0; };\n  var setMoney = function (el, v) { el.value = v.toLocaleString('pt-BR', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); };\n  ['apRend', 'apDesp'].forEach(function (id) {\n    $(id).addEventListener('input', function () {\n      var s = this.value.replace(\/\\D\/g, '').slice(0, 9);\n      this.value = s ? 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Usamos essa regra, e um especialista confirma o CNAE certo para voc\u00ea.']\n  };\n  var prof = $('apProf');\n  prof.addEventListener('change', function () {\n    var g = (prof.value || '').split('|')[0], box = $('apRegra');\n    $('apErrProf').style.display = 'none';\n    if (!g) { box.hidden = true; return; }\n    box.className = 'cp-regra' + (g === 'fatorR' || g === 'outra' ? '' : ' nao');\n    box.innerHTML = '<p><span class=\"cp-tag\">' + regras[g][0] + '<\/span> ' + regras[g][1] + '<\/p>';\n    box.hidden = false;\n  });\n  function linha(rot, sub, a, p, dif, cls) {\n    return '<div class=\"cmp-r' + (cls ? ' ' + cls : '') + '\"><div>' + rot + (sub ? '<small>' + sub + '<\/small>' : '') + '<\/div>' +\n      '<div data-l=\"Aut\u00f4nomo\">' + a + '<\/div><div data-l=\"PJ\">' + p + '<\/div><div data-l=\"Diferen\u00e7a\">' + dif + '<\/div><\/div>';\n  }\n  var nt = function (t) { return '<span class=\"cmp-nt\">' + t + '<\/span>'; };\n  function difCusto(a, p) {\n    var x = E.r2(p - a);\n    if (Math.abs(x) < 0.005) return nt('igual');\n    return x < 0 ? '<span class=\"bom\">' + fmt(x) + ' a menos<\/span>' : '<span class=\"ruim\">' + fmt(x) + ' a mais<\/span>';\n  }\n  function difGanho(a, p) {\n    var x = E.r2(p - a);\n    if (Math.abs(x) < 0.005) return nt('igual');\n    return x > 0 ? '<span class=\"bom\">' + fmt(x) + ' a mais<\/span>' : '<span class=\"ruim\">' + fmt(x) + ' a menos<\/span>';\n  }\n  var menos = function (v) { return v > 0 ? '\u2212 ' + fmt(v) : fmt(0); };\n  function calcular() {\n    var ok = true;\n    var pv = (prof.value || '').split('|'), g = pv[0];\n    if (!g) { $('apErrProf').style.display = 'block'; ok = false; }\n    var rend = num($('apRend'));\n    if (rend < E.SM || rend > 400000) { $('apErrRend').style.display = 'block'; ok = false; } else { $('apErrRend').style.display = 'none'; }\n    if (!ok) return;\n    var desp = tipo === 'pf' ? Math.min(num($('apDesp')), rend) : 0;\n    var c = E.comparar(rend, g, tipo, desp), a = c.aut, p = c.pj;\n    var emp = E.empate(g, tipo, desp);\n    var nomeProf = prof.options[prof.selectedIndex].text;\n    var rotRegra = (g === 'iv') ? 'Anexo IV' : (g === 'iii' ? 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'O CNPJ compensa a partir de ' + fmt0(emp) + '\/m\u00eas' : 'Vale uma an\u00e1lise com um contador';\n    }\n    $('apProfPill').textContent = nomeProf + ' \u00b7 ' + rotRegra;\n    $('apHeroLado').innerHTML =\n      '<div class=\"ap-hl\"><small>Impostos por m\u00eas como aut\u00f4nomo<\/small><b>' + fmt(a.impostos) + '<\/b><\/div>' +\n      '<div class=\"ap-hl\"><small>Impostos por m\u00eas com CNPJ<\/small><b>' + fmt(p.impostos) + '<\/b><\/div>';\n    var subInssA = tipo === 'rpa' ? '11% descontado pela empresa no RPA' : '20% como aut\u00f4nomo, at\u00e9 o teto';\n    var subIR = 'Como aut\u00f4nomo, ' + (tipo === 'rpa' ? 'retido no RPA' : 'pago no Carn\u00ea-Le\u00e3o') + '. No PJ, s\u00f3 sobre o pr\u00f3-labore' + (p.irDiv > 0 ? ' e 10% sobre lucros acima de R$ 50 mil' : '. Os lucros saem sem IR');\n    var subEmp = 'Simples Nacional, Anexo ' + p.anexo + ', al\u00edquota efetiva de ' + pct(p.aliq) + (p.cpp ? ', mais 20% de INSS patronal sobre o pr\u00f3-labore' : '');\n    var h = '<div class=\"cmp-top\"><div><h3>Aut\u00f4nomo x PJ, lado a lado<\/h3><p class=\"cmp-sub\">Mesmo valor dos dois lados: ' + fmt(rend) + ' recebidos como aut\u00f4nomo e ' + fmt(rend) + ' em notas como PJ.<\/p><\/div><\/div><div class=\"cmp-g\">';\n    h += '<div class=\"cmp-r cmp-h\"><div><\/div><div>Aut\u00f4nomo<\/div><div>PJ<\/div><div>Diferen\u00e7a<\/div><\/div>';\n    h += '<div class=\"cmp-sec\">Num m\u00eas t\u00edpico<small>O que acontece com o seu dinheiro todo m\u00eas<\/small><\/div>';\n    h += linha('Recebido ou faturado', '', fmt(rend), fmt(rend), nt('igual'));\n    h += linha('INSS', subInssA + '. No PJ, 11% sobre o pr\u00f3-labore de ' + fmt(p.prolabore), menos(a.inss), menos(p.inssSocio), difCusto(a.inss, p.inssSocio));\n    h += linha('Imposto de renda', subIR, menos(a.ir), menos(p.irPL + p.irDiv), difCusto(a.ir, p.irPL + p.irDiv));\n    h += linha('Imposto da empresa', subEmp, nt('n\u00e3o tem'), menos(p.simples + p.cpp), '<span class=\"ruim\">' + fmt(p.simples + p.cpp) + ' a mais<\/span>');\n    h += linha('Total de impostos no m\u00eas', '', menos(a.impostos), menos(p.impostos), difCusto(a.impostos, p.impostos), 'cmp-sum');\n    h += linha('Contabilidade', 'Plano de entrada da Contaj\u00e1', nt('n\u00e3o tem'), menos(p.contab), '<span>' + fmt(p.contab) + ' a mais<\/span>');\n    h += linha('Sobra no seu bolso', 'No m\u00eas, antes das despesas da profiss\u00e3o', fmt(a.liquido), fmt(p.liquido), difGanho(a.liquido, p.liquido), 'cmp-liq');\n    h += linha('No ano', 'O m\u00eas t\u00edpico vezes 12', fmt(a.liquido * 12), fmt(p.liquido * 12), difGanho(a.liquido * 12, p.liquido * 12), 'cmp-med');\n    h += '<\/div>';\n    if (c.dif >= 0) {\n      h += '<div class=\"cmp-conc\"><b>Com CNPJ, voc\u00ea paga ' + fmt(a.impostos - p.impostos) + ' a menos de imposto por m\u00eas.<\/b>' +\n        '<p>J\u00e1 descontando a contabilidade, sobram ' + fmt(c.dif) + ' a mais no seu bolso, ou ' + fmt(c.dif * 12) + ' por ano.' +\n        (emp ? (emp > E.SM ? ' Para a sua profiss\u00e3o, o CNPJ passa a compensar a partir de uns ' + fmt0(emp) + ' por m\u00eas.' : '') : '') + '<\/p><\/div>';\n    } else if (emp ? rend < emp : false) {\n      h += '<div class=\"cmp-conc ok\"><b>Com esse valor, o CNPJ ainda n\u00e3o compensa.<\/b>' +\n        '<p>Para a sua profiss\u00e3o, ele passa a compensar a partir de uns ' + fmt0(emp) + ' por m\u00eas. At\u00e9 l\u00e1, como aut\u00f4nomo, sobra mais no seu bolso.<\/p>' +\n        '<p>Mas a conta n\u00e3o \u00e9 s\u00f3 de imposto. Muita empresa s\u00f3 contrata quem emite nota com CNPJ, e cliente de fora do pa\u00eds paga para empresa. Se voc\u00ea est\u00e1 deixando contrato na mesa por n\u00e3o ter CNPJ, ele pode compensar antes desse valor.<\/p>' +\n        '<p><button type=\"button\" class=\"cmp-btn\" id=\"apEmpBtn\">Comparar com ' + fmt0(emp) + '<\/button><\/p><\/div>';\n    } else {\n      h += '<div class=\"cmp-conc ok\"><b>Nesse valor, o Simples Nacional n\u00e3o \u00e9 a melhor sa\u00edda.<\/b>' +\n        '<p>Com esse faturamento, a conta passa pelo Lucro Presumido e pela forma de distribuir os lucros. Vale uma an\u00e1lise com um especialista antes de decidir.<\/p>' +\n        '<p>Lembre tamb\u00e9m que muitas empresas s\u00f3 fecham contrato com CNPJ. Ent\u00e3o a decis\u00e3o vai al\u00e9m do imposto.<\/p><\/div>';\n    }\n    var notas = [];\n    notas.push('Aposentadoria: como PJ, o INSS \u00e9 calculado sobre o pr\u00f3-labore de ' + fmt(p.prolabore) + '. Como aut\u00f4nomo, sobre ' + fmt(Math.min(Math.max(rend, tipo === 'pf' ? E.SM : 0), E.TETO)) + '. 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E.r2(p.semFator.impostos - p.impostos) : 0;\n      n = '<h3>Como o Fator R entrou na sua conta<\/h3><p>Com um pr\u00f3-labore de ' + fmt(p.prolabore) + ' (28% do faturamento), sua empresa paga pelo Anexo III, com al\u00edquota efetiva de ' + pct(p.aliq) + '. Sem esse ajuste, ela iria para o Anexo V, com ' + pct(p.semFator.aliq) + '.<\/p>' +\n        (econ > 0 ? '<p>Nesse cen\u00e1rio, o ajuste deixa cerca de <b>' + fmt(econ) + ' a mais por m\u00eas<\/b> com voc\u00ea. Vale lembrar: o pr\u00f3-labore precisa ser mantido em 28% ou mais todos os meses.<\/p>' : '<p>Nesse valor, o Anexo V com pr\u00f3-labore menor sairia mais barato. Um especialista confere qual caminho vale para voc\u00ea.<\/p>') +\n        (g === 'outra' ? '<p>Como voc\u00ea escolheu outra profiss\u00e3o, um especialista confirma se o seu CNAE realmente segue o Fator R.<\/p>' : '');\n    } else if (g === 'iv') {\n      n = '<h3>Como o Anexo IV entrou na sua conta<\/h3><p>A advocacia fica no Anexo IV do Simples, sem Fator R. Por isso, usamos pr\u00f3-labore de 1 sal\u00e1rio m\u00ednimo (' + fmt(E.SM) + '). Nesse anexo, a empresa paga \u00e0 parte <b>20% de INSS patronal sobre o pr\u00f3-labore<\/b> (' + fmt(p.cpp) + '), que j\u00e1 est\u00e1 na conta.<\/p>';\n    } else {\n      n = '<h3>Como o Anexo III entrou na sua conta<\/h3><p>Sua profiss\u00e3o fica no Anexo III do Simples, sem depender do Fator R. Por isso, usamos pr\u00f3-labore de 1 sal\u00e1rio m\u00ednimo (' + fmt(E.SM) + '), e o imposto da empresa ficou em <b>' + pct(p.aliq) + ' do faturamento<\/b>.<\/p>';\n    }\n    $('rFator').innerHTML = n;\n    $('apCtaTit').innerHTML = (c.dif >= 0 ? (tipo === 'rpa' ? 'Quer trocar o RPA pelo CNPJ?' : 'Quer trocar o Carn\u00ea-Le\u00e3o pelo CNPJ?') : 'Ficou na d\u00favida?') + ' <span class=\"leve\">Fale com um contador antes de abrir.<\/span>';\n    var res = $('apRes'); res.hidden = false; res.style.display = 'block';\n    res.scrollIntoView({ behavior: 'smooth', block: 'start' });\n  }\n  form.addEventListener('submit', function (e) { e.preventDefault(); calcular(); });\n})();<\/script>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Vale a pena sair do Carn\u00ea-Le\u00e3o e abrir CNPJ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Na maioria dos casos, sim, principalmente a partir de uns R$ 2.300 por m\u00eas recebidos de pessoas f\u00edsicas. Isso porque, como aut\u00f4nomo, voc\u00ea paga 20% de INSS e IR de at\u00e9 27,5%, enquanto no Simples Nacional o imposto come\u00e7a em 6% para profiss\u00f5es no Anexo III. 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Por isso, muitas empresas preferem contratar profissionais com CNPJ.\"}},{\"@type\":\"Question\",\"name\":\"Aut\u00f4nomo x PJ: como fica o INSS?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Como aut\u00f4nomo, voc\u00ea paga 20% de INSS sobre o que recebe (11% no RPA), at\u00e9 o teto, enquanto o s\u00f3cio de uma empresa paga 11% sobre o pr\u00f3-labore, tamb\u00e9m limitado ao teto. Assim, como PJ, voc\u00ea continua contando tempo para a aposentadoria. Por\u00e9m, a contribui\u00e7\u00e3o \u00e9 feita sobre o pr\u00f3-labore, e n\u00e3o sobre tudo o que a empresa fatura. Ou seja, um pr\u00f3-labore menor pode significar um benef\u00edcio menor no futuro. Por isso, vale conversar com o contador sobre isso.\"}},{\"@type\":\"Question\",\"name\":\"Com CNPJ, posso continuar atendendo pessoas f\u00edsicas?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pode. A empresa emite nota fiscal para o paciente ou cliente pessoa f\u00edsica normalmente. Inclusive, nas profiss\u00f5es em que a consulta \u00e9 dedut\u00edvel no IR, como psicologia, medicina, odontologia e fisioterapia, o paciente continua podendo abater o valor pago \u00e0 empresa.\"}},{\"@type\":\"Question\",\"name\":\"O que muda nos lucros acima de R$ 50 mil por m\u00eas?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Desde 2026, quando uma mesma empresa paga mais de R$ 50 mil de lucros no m\u00eas para a mesma pessoa, h\u00e1 reten\u00e7\u00e3o de 10% de IR na fonte. A calculadora j\u00e1 considera essa regra. Nessa faixa de valor, por\u00e9m, vale uma an\u00e1lise mais completa, inclusive comparando com o Lucro Presumido.\"}}]}<\/script>\n<\/main>\n\n<footer class=\"rodape\">\n  <div class=\"faixa\">\n    <div class=\"rodape-grade\">\n      <div class=\"rodape-marca\">\n        <svg role=\"img\" aria-label=\"Contaj\u00e1\" id=\"lg2-Camada_1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" viewBox=\"0 0 1639.02 384.51\">\n  \n  <defs>\n    <style>\n      .lg2-st0 {\n        fill: #f1eee3;\n      }\n      .lg2-st1 {\n        fill: none;\n      }\n      .lg2-st2 {\n        fill: #93c92b;\n      }\n      .lg2-st3 {\n        clip-path: url(#lg2-clippath);\n      }\n      .lg2-st4 {\n        fill: #468c34;\n      }\n<\/style>\n    <clipPath id=\"lg2-clippath\">\n      <rect class=\"lg2-st1\" width=\"1639.02\" height=\"384.51\"\/>\n    <\/clipPath>\n  <\/defs>\n  <g class=\"lg2-st3\">\n    <path class=\"lg2-st2\" 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O script s\u00f3 acrescenta a classe .anima, e \u00e9 ela\n   que esconde: assim, se este script n\u00e3o rodar, os n\u00fameros aparecem normalmente.\n   Dispara uma vez e desliga o observador. *\/\n(function(){\n  var faixa = document.querySelector('.prova-rapida');\n  if (!faixa || !window.IntersectionObserver) return;\n  if (window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\n  faixa.classList.add('anima');\n  var olho = new IntersectionObserver(function(entradas){\n    entradas.forEach(function(e){\n      if (e.isIntersecting) { faixa.classList.add('entrou'); olho.disconnect(); }\n    });\n  }, { threshold: 0.35 });\n  olho.observe(faixa);\n})();\n\n\/* O tocador do v\u00eddeo da prova.\n   ---------------------------------------------------------------------------\n   Ele come\u00e7a a tocar quando a se\u00e7\u00e3o entra na tela e para quando ela sai, para\n   n\u00e3o deixar v\u00eddeo rodando fora de vista consumindo banda e bateria.\n\n   Entra mudo, e isso n\u00e3o \u00e9 escolha: navegador nenhum autoriza autoplay com som\n   antes de a pessoa tocar em alguma coisa na p\u00e1gina, e a chamada a play() seria\n   rejeitada. 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