Bookkeeping software for Brazil: bank feeds, receipts and fiscal documents
Finn keeps the books of a Brazilian business in reais. Bank statements come in as CSV or PDF, and Finn categorises every line using what it knows about your business. Receipts and supplier documents can be sent by WhatsApp, email, Telegram or Slack, and Finn posts the supplier, date and amount for you to review.
Electronic fiscal documents are mandatory in Brazil. Goods are invoiced with the NF-e, authorised by the state SEFAZ, and services with the NFS-e, now on the national standard. Simples Nacional companies must use the national NFS-e issuer from 1 November 2026. AccountsOS does not issue any of them, and a PDF invoice from AccountsOS is not a legal Brazilian fiscal document.
- Sent invoices: you issue the NF-e or NFS-e through the SEFAZ, the city or your provider, then Finn records it and matches the payment.
- Received documents: send the PDF copy or the DANFE, and Finn posts it as a bill for review.
- Every figure is kept in reais, with the original currency and rate for anything billed abroad.
30 OctThe IRPJ and CSLL, Q3 lands on 30 Oct. Finn puts it on your calendar and reminds you ahead of it.
Simples Nacional and MEI: the DAS on the 20th
Most small Brazilian businesses are on the Simples Nacional, open up to R$4.8 million of revenue a year, or are MEIs, up to R$81,000. A Simples company sends the PGDAS-D and pays one DAS by the 20th of each month, covering IRPJ, CSLL, PIS, COFINS, ICMS and ISS. The rate comes from the LC 123/2006 annex tables, starting at 4% for commerce and 6% for most services in the first band, and the fator R of 28% decides between Annex III and Annex V for some services.
An MEI pays a fixed DAS-MEI: R$82.05 a month for commerce or industry, R$86.05 for services and R$87.05 for both in 2026. The annual DASN-SIMEI is due by 31 May. Finn tracks these dates for you, and from 2026 a late PGDAS-D costs 2% a month, so the date matters.
Lucro Presumido and Lucro Real: IRPJ, CSLL and the 2026 changes
Outside the Simples, IRPJ is 15% of profit plus a 10% surcharge above R$20,000 a month, and CSLL is 9% for most companies. Under Lucro Presumido, profit is presumed as a share of revenue: 8% for commerce and industry and 32% for services, for IRPJ. From 2026, Lei Complementar 224/2025 raises those percentages by 10% on revenue above R$5 million a year.
IRPJ and CSLL are paid quarterly by the last business day of the month after the quarter, in one go or in three quotas. PIS and COFINS are paid monthly by the 25th, at 0.65% and 3% in the cumulative regime or 1.65% and 7.6% in the non-cumulative regime. Finn estimates each figure, labels it as an estimate, and leaves the DARF to you or your contador.
The consumption-tax reform: CBS and IBS
Constitutional Amendment 132/2023 and Lei Complementar 214/2025 replace PIS, COFINS, ICMS and ISS with two new taxes. In 2026 the CBS runs at 0.9% and the IBS at 0.1% as a test, shown on invoices and offset against PIS and COFINS. From 2027 the CBS replaces PIS and COFINS. ICMS and ISS are reduced from 2029 and end in 2033.
Simples Nacional companies may choose, from 2027, to pay CBS and IBS outside the DAS so their business customers can take credits. The window for the first half of 2027 closes on 30 October 2026. Finn explains the options with their sources; the decision stays with you and your contador.
Payroll in Brazil: INSS, FGTS, DCTFWeb and the 13th salary
The 2026 minimum wage is R$1,621. Employee INSS is progressive at 7.5%, 9%, 12% and 14% up to the R$8,475.55 ceiling. Outside the Simples, the employer pays 20% plus RAT of 1% to 3%, adjusted by the FAP, plus third-party contributions, and every employer deposits FGTS of 8% through FGTS Digital.
Each month the payroll closes in eSocial, the DCTFWeb is filed by the 15th, and its DARF and the FGTS are paid by the 20th. The 13th salary is paid in two halves, by 30 November and 20 December. Finn tracks these dates once you have employees and works out employee INSS from the 2026 table.
Dividends, JCP and your company form
From 2026, a company paying one person more than R$50,000 of dividends in a month withholds 10% on the whole amount, while profits up to 2025 approved by 31 December 2025 stay exempt. Interest on equity (JCP) is withheld at 17.5%. Ask Finn before a distribution and it totals that person's month from your books.
AccountsOS supports the LTDA, the single-member SLU, the S.A., the empresário individual and the MEI. It accepts the new alphanumeric CNPJs issued since 31 July 2026. It has no Brazilian registry lookup, so you enter your CNPJ yourself.
Working with your contador
Most Brazilian businesses work with a contador, and AccountsOS is built to make that relationship easier, not to replace it. Finn keeps the books complete every month, explains each figure with its source, and leaves the filings and payments to the people who sign them.
Accounting practices can run their client book on Finn: every client's deadlines in one list, clients allocated to staff, and the production work done before the contador reviews.