FGTS birthday withdrawal calculator
The saque-aniversário each year, and what it costs on a dismissal.
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Example
Example: R$ 8.000,00 in the FGTS and a R$ 3.500,00 salary, over five years
A worker has R$ 8.000,00 across all FGTS accounts (from the FGTS app) and earns R$ 3.500,00 gross a month. Years to project: 5.
- R$ 8.000,00 falls in the band from R$ 5.000,01 to R$ 10.000,00: 20 % plus a fixed R$ 650,00.
- This year: 20 % of R$ 8.000,00 is R$ 1.600,00, plus R$ 650,00 = R$ 2.250,00; R$ 5.750,00 stays in the account.
- The years ahead add the employer’s 8 % deposit, R$ 280,00 a month, and 3 % a year, without TR or the profit share.
| Year | Balance on the birthday | Withdrawal | Balance after |
|---|---|---|---|
| 1 | R$ 8.000,00 | R$ 2.250,00 | R$ 5.750,00 |
| 2 | R$ 9.328,45 | R$ 2.515,69 | R$ 6.812,76 |
| 3 | R$ 10.423,10 | R$ 2.713,46 | R$ 7.709,64 |
| 4 | R$ 11.346,88 | R$ 2.852,03 | R$ 8.494,85 |
| 5 | R$ 12.155,65 | R$ 2.973,35 | R$ 9.182,30 |
R$ 13.304,53 withdrawn over five years. The cost: dismissed without cause after opting, you get the employer’s 40 % fine but not the balance — R$ 9.182,30 in year 5 would stay locked — and going back takes effect only in the 25th month after asking.
How it works
- Find your total FGTS balance in the FGTS app.
- Enter it to see this year’s withdrawal.
- Add your gross salary to project the years ahead.
- Compare with what would stay locked if you were dismissed.
Frequently asked questions
- How is it worked out?
- On the total of all FGTS accounts: 50 % up to R$ 500 down to 5 % above R$ 20,000, plus a fixed part of up to R$ 2,900 (Lei 8.036/1990, art. 20-D).
- What is the catch?
- Dismissed without cause, you get the 40 % fine but not the balance; going back takes effect only in the 25th month after asking.
- How much is the birthday withdrawal on R$ 25.000,00?
- R$ 4.150,00: above R$ 20.000,00 the rate is 5 %, R$ 1.250,00, plus the fixed R$ 2.900,00. R$ 20.850,00 stays in the account.
- Why is there a fixed part on top of the percentage?
- So that the withdrawal never drops when the balance moves into the next band, where the rate is lower. At R$ 10.000,00 it is R$ 2.650,00 (20 % + R$ 650,00), and just above, at 15 % + R$ 1.150,00, it is still R$ 2.650,00.
- Is it exact?
- This year’s figure follows the official table; the projection leaves out TR and the profit share, so it is a floor.
- Is what I enter uploaded?
- No. It is worked out in your browser.
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