Desenrola Brasil Guia 2026

A simple guide to understanding Desenrola, clearing your name, and negotiating debts.

⚠️ INDEPENDENT INFORMATION APP
This app is NOT an official app from the Federal Government, it has NO connection
with the Ministry of Finance, Gov.br, Caixa or any bank
participating in the Novo Desenrola Brasil program. This is an independent educational guide to help you understand the program before seeking official channels.

To join the official program, access your bank directly or the Finance Ministry website: gov.br/fazenda/pt-br/acesso-a-informacao/acoes-e-programas/novo-desenrola-brasil

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INDEPENDENT GUIDE ON NOVO DESENROLA BRASIL 2026

In May 2026, the Federal Government launched Novo Desenrola Brasil — a debt renegotiation program with discounts of up to 90%, the possibility of partial use of FGTS (Brazilian employee severance fund) and installment payments in up to 48 installments. The rules are complex, and many people get lost between what's worthwhile, what's a scam, and what each bank is offering.

This app is a reading and study material that explains in simple language how the program works, so you'll be prepared when you contact your bank.

▼ WHAT YOU'LL FIND IN THIS GUIDE

- Explanations about the Novo Desenrola Brasil 2026 program

Educational content about who can participate according to the rules published by the Ministry of Finance, which debts are eligible, and the difference from the 2023 version.

- Frequently asked questions organized by debt type

Informative content about credit card debt, overdraft, CDC, and situations of negative listing in Serasa/SPC/Boa Vista.

- Education about common scams in government programs

Informative material on how to identify suspicious communications and recognize official channels.

- Educational Budget Impact Calculator

A tool for you to simulate, with your own numbers,
how a hypothetical renegotiation would affect your monthly budget.

It is not an official simulation — for that, use the
Finance Ministry simulator at simuladoresenrola.fazenda.gov.br

- Post-Renegotiation Financial Education

Educational content on financial organization after paying off debts.


▼ WHAT THIS APP DOES NOT DO
- Does NOT negotiate debt on your behalf
- Does NOT have access to banks or the gov.br system
- Does NOT ask for CPF, bank details or card number
- Does NOT replace your bank's service
- Is NOT an official channel for joining the program

All effective renegotiation takes place exclusively through official channels: your bank or the Finance Ministry portal.

▼ SOURCE OF INFORMATION
The content of this guide is based on public information released by the Ministry of Finance about the New Desenrola Brasil. Official and updated source:

https://www.gov.br/fazenda/pt-br/acesso-a-informacao/acoes-e-programas/novo-desenrola-brasil

Official Government Simulator:

https://simuladordesenrola.fazenda.gov.br/

▼ WHO THIS GUIDE MAY BE USEFUL FOR

- People who want to understand the program before contacting the bank

- Those who prefer to read in simple Portuguese, without technical jargon

- Those who want to learn how to identify scams that impersonate official channels

▼ ABOUT THE DEVELOPER
Application developed by APPLU DIGITAL LTDA, a Brazilian private company, without any connection, partnership, authorization or sponsorship from the Federal Government, Ministry of Finance, Gov.br, Caixa Econômica Federal or any financial institution participating in the program.

Privacy Policy: https://applu.me/desenrola-brasil-guia/privacy-policy
EULA: https://applu.me/desenrola-brasil-guia/eula