# decisao_clt_vs_pj

DECISÃO GUIADA — vale a pena trocar CLT por PJ? Combina salário líquido CLT (com benefícios categorizados) e cenário PJ alvo (Simples Anexo III/V ou Lucro Presumido), simula impostos, pró-labore, distribuição de lucros, FGTS perdido, INSS facultativo opcional. Devolve veredicto: verdict ('CLT' | 'PJ' | 'TIE'), deltaAnualCents (positivo = PJ ganha), breakdown auditável mês-a-mês, recomendação em pt-BR, lista de riscos qualitativos (sem FGTS, sem 13º, pejotização). Fonte: CLT, LC 123/2006, Lei 9.249/95.

Agent View of the PolicyLayer registry record for `decisao_clt_vs_pj`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/decisao-clt-vs-pj

## Facts

- Tool: `decisao_clt_vs_pj`
- Server: Contaí — Calculadoras Fiscais Brasileiras (`@contai-evoluke/mcp-server`) — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md
- Install: `npx -y @contai-evoluke/mcp-server`
- Homepage: https://github.com/lfhillesheim/calculadora
- Risk category: Read (Low risk)
- Registry record: grade B, identity unverified
- Server rate-limited: no
- Parameters: 12 (3 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `regimePj` | string | yes | Regime tributário PJ. simples_iii: serviços com folha (Fator R via pró-labore alto). simples_v: serviços intelectuais sem folha. lucro_presumido: faturamento al |
| `dependentes` | integer | no | Dependentes para IRRF |
| `diasUteisMes` | integer | no | v3 — Dias úteis/mês (default 22). |
| `beneficiosClt` | array | no | Benefícios CLT que a empresa paga ALÉM do salário, agrupados por categoria. Cada item: { categoria, valorCents, descricao? }. Categorias: plano_saude, vale_alim |
| `horasUteisDia` | number | no | v3 — Horas úteis/dia (default 8). Pra calcular hora bruta/líquida PJ. |
| `diasFeriasAnoPj` | integer | no | v3 — Dias férias/ano PJ (default 20). |
| `diasFeriasAnoClt` | integer | no | v3 — Dias férias/ano CLT (default 30 — constitucional). |
| `salarioBrutoCents` | integer | yes | Salário bruto CLT atual em centavos (R$ 5.000 = 500000) |
| `proLaboreMensalCents` | integer | no | Pró-labore mensal em centavos (default 1 SM 2026 = 155000) |
| `custoContadorMensalCents` | integer | no | Custo do contador mensal em centavos (default R$ 200 = 20000) |
| `faturamentoPjMensalCents` | integer | yes | Quanto a empresa pagaria pra você como PJ (em centavos/mês) |
| `contribuirInssFacultativo` | boolean | no | Contribuir INSS facultativo (11% SM/mês). Default false. |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "decisao_clt_vs_pj",
    "arguments": {
      "regimePj": "<regimePj>",
      "salarioBrutoCents": 0,
      "faturamentoPjMensalCents": 0
    }
  }
}
```

## Why decisao_clt_vs_pj is rated Low

This is a decision-support calculator that takes input parameters (CLT salary with benefits, target PJ scenario) and performs financial simulations to return comparative analysis and recommendations. All operations are computational and read-only—no data is created, modified, deleted, or committed. The tool does not execute code on external systems, initiate payments, or trigger irreversible actions.

From the tool's own definition: "Tool description explicitly states it 'simulates' (simula impostos), 'combines' (Combina), and 'returns' (Devolve) analysis results: verdict, deltaAnualCents, breakdown, recommendation, and risk list."

Risk signals: High parameter count (23 properties)

## Use case

AI agents call decisao_clt_vs_pj to retrieve information from Contaí — Calculadoras Fiscais Brasileiras without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Contaí — Calculadoras Fiscais Brasileiras:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "decisao_clt_vs_pj": {}
  }
}
```

## Other tools on Contaí — Calculadoras Fiscais Brasileiras (138)

- `calcular_mensalidade_planejador` — Financial — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-mensalidade-planejador.md
- `buscar_lei` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/buscar-lei.md
- `calcular_13o_salario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-13o-salario.md
- `calcular_acao_trabalhista` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-acao-trabalhista.md
- `calcular_adicional_noturno` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-adicional-noturno.md
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- `calcular_aluguel_reajuste` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aluguel-reajuste.md
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- `calcular_auditoria_beneficios_trabalhistas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auditoria-beneficios-trabalhistas.md
- `calcular_auxilio_doenca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auxilio-doenca.md
- `calcular_aviso_previo` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aviso-previo.md
- `calcular_banco_de_horas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-banco-de-horas.md
- `calcular_bdr_vs_etf_vs_acao_direta` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bdr-vs-etf-vs-acao-direta.md
- `calcular_bola_de_neve_dividas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bola-de-neve-dividas.md
- `calcular_bolsa_estagio` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bolsa-estagio.md
- `calcular_calculadora_gestacional` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-gestacional.md
- `calcular_calculadora_milhas_passagem` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-milhas-passagem.md
- `calcular_calorias_macros` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calorias-macros.md
- `calcular_capital_de_giro_necessario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-capital-de-giro-necessario.md
- `calcular_carne_leao` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-carne-leao.md
- `calcular_cartao_credito_cashback_anuidade` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-cartao-credito-cashback-anuidade.md
- `calcular_cdb_vs_lci_vs_tesouro_vs_poupanca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-cdb-vs-lci-vs-tesouro-vs-poupanca.md
- `calcular_comparador_regime_tributario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-comparador-regime-tributario.md
- `calcular_consorcio_credito_empresarial` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consorcio-credito-empresarial.md
- `calcular_consorcio_vs_financiamento` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consorcio-vs-financiamento.md
- `calcular_consultoria_pj_saude_financeira` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consultoria-pj-saude-financeira.md
- `calcular_consumo_agua` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consumo-agua.md
- `calcular_conversao_moedas_iof` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-conversao-moedas-iof.md
- `calcular_credito_pj_comparador` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-credito-pj-comparador.md
- `calcular_custo_efetivo_total` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-custo-efetivo-total.md
- …and 108 more: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-lfhillesheim-contai-mcp-server · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-lfhillesheim-contai-mcp-server