Social Security
See your SS contribution before the bill arrives
Monthly Segurança Social contributions are based on your previous quarter's income. That lag catches people off guard - a strong quarter means higher payments three months later. Descodify calculates yours from your actual invoices so the number is never a surprise.
Certified invoicing, coming soon
Get early access - free tier includes unlimited invoicing.
Calculations free · Guided submissions on Completo. See pricing
How SS contributions work
The rate
21.4% of your relevant income. For services, 70% of your gross income is the reference. Effective rate on services revenue: 21.4% × 70% = 14.98%.
The quarter lag
You declare income quarterly. That declaration determines your monthly contributions for the next quarter. Invoice €10,000 in Q1? Your Q2 monthly payments reflect that. This means good quarters are followed by higher contribution months - and people who don't track this get caught off guard.
First-year exemption
New trabalhadores independentes are exempt from contributions for 12 months from their activity start date. Descodify tracks your exemption period and shows when it ends - so your first contribution doesn't arrive unexpectedly.
The 15% connection
SS contributions count toward the 15% expense proof requirement. At most income levels, SS contributions alone cover a significant chunk of the threshold. Descodify tracks both together so you see the full picture.
What Descodify shows you
Your dashboard shows your estimated monthly SS contribution based on the invoices you've issued. As you invoice, the number updates. Before each quarterly declaration is due, you see exactly what to declare and what your next three months of payments will be.
If you're in your exemption period, Descodify shows a countdown to when contributions start. If you have simultaneous employment, it flags that your situation may qualify for reduced contributions.
See the full SS rates and rules reference.
~5 minutes per quarter
Descodify calculates your SS from your invoices. You declare on Segurança Social Direta and check it off.
Invoicing, coming soon
Get early access - free tier includes unlimited invoicing.