Need to renegotiate your debts and want to understand how the new Desenrola Brasil cycle works?

The Desenrola Brasil 2026 Guide was developed to be your right-hand man on the journey towards financial freedom. We've gathered everything you need to know to get out of debt in a simple, didactic, and fast way.

What you'll find in our Guide:
✅ Eligibility Simulator: Find out in seconds if you qualify for the program.
✅ Discount Calculator: Get an estimate of how much you can save on paying off your debts.
✅ Negotiation Step-by-Step: Know exactly where to click and how to proceed on the official portals.
✅ Updated Schedule: Don't miss the deadlines and important dates for 2026.
✅ Golden Tips: Exclusive content on using FGTS (Brazilian employee severance fund) to pay off debts and how to avoid scams.

✅ Frequently Asked Questions (FAQ): Clear answers to the most common questions about interest rates, installments, and deadlines.

✅ Useful Links: Easy access to official channels and partner institutions.

⚠️ IMPORTANT NOTICES (READ CAREFULLY):

• INDEPENDENT APP: This application is a private and independent informational guide. We DO NOT REPRESENT, are not affiliated with, and are not linked to any government entity, the Ministry of Finance, banks, or financial institutions.

• INFORMATIONAL CHARACTER: The application functions only as a consultation and simulation tool. It is NOT POSSIBLE to make payments or close renegotiation agreements directly through here. All negotiation must be done exclusively through official Federal Government channels or directly with your creditor.

• SOURCE OF INFORMATION: Our content is based on public and official information made available to citizens at:
https://www.gov.br/fazenda/pt-br
https://desenrola.gov.br

• PRIVACY: We value your security. See our privacy policy.