eConsignado on payroll, without spreadsheets.
50 minutes with Tako's payroll and product teams showing how the Crédito do Trabalhador routine runs end-to-end: Emprega Brasil, margin calculation, eSocial rubric and a live demo.
eConsignado is no longer new. What we show in the recording is the monthly routine every CLT payroll now carries. Whoever posts it in a spreadsheet is posting it wrong more often than they would like to admit.
R$50B
Contracted in 6 months
47M
Eligible CLT workers
Three blocks. One full process.
The recording is split into short blocks. If you already know the regulation, skip to the demo.
What changed in payroll
MTE Ordinance, Law 15.179, DP obligations, 35% margin, eSocial rubric and the risks for whoever posts it wrong. Straight to the point.
Lookup and calculation, in practice
The 21-25 monthly window on Emprega Brasil, lookup by CPF, margin calculation with FGTS as collateral, and the problem of multiple contracts per employee.
Live demo + Q&A
The team opens Tako and runs the full cycle: lookup, calculation, payroll posting, eSocial rubric, employee communication. The last 15 minutes are audience Q&A.
“Some institutions approve eConsignado even when the employee is already at the 35% cap. When the total lands on payroll, it is the payroll team who has to hold the deduction at the limit and tell the employee to sort it out with the bank.”
Anderson Costa, New Business at Tako, during the webinar
The recording works if any of these sounded familiar.
- eConsignado became a new routine on payroll and we have not closed the process yet.
- I post it in a spreadsheet. I know there are errors, I just don't know where.
- I have employees with 5, 10, 15 consigned contracts and I lose track.
- The accounting firm handles payroll, but eConsignado ended up in a gray area between us.
- We are considering in-housing payroll and want to see Tako in action.
If your question is "what is eConsignado?", this recording will be too deep. Start with the MTE Ordinance and come back later.
eConsignado is already inside the payroll cycle.
We built Tako so eConsignado is not a separate step. Margin, assignment and eSocial happen in the same flow — no spreadsheet, no manual reconciliation, no rework.
Today
Assignment and deduction in one cycle
Tako reads assigned contracts via Dataprev, applies the deduction to the month's payroll, and returns the receipt to the bank without manual intervention.
Margin
35% applied to the sum of monthly payments
The margin is calculated on the sum of the employee's monthly eConsignado payments. If the total goes past 35%, Tako caps the deduction at the limit and signals payroll to guide the employee to talk to the bank.
eSocial
Rubrics and advance at the right pace
Standardized rubrics, correct provisioning on advances, and S-1200 submission without rework. The payroll team gets the record, not the headache.
Watched. Now what?
If you want to see Tako running on your own payroll data, book a demo with the same team that appeared in the recording. If you are still studying the topic, our eConsignado page has the technical deep-dive.