Brazil FGTS: balance with 3% a year, the 40% fine, withdrawal and saque-aniversário
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.An employer in Brazil deposits 8% of the salary into the FGTS every month, so R$ 1.000,00 of pay builds R$ 973,13 in 12 months with 3% a year. Dismissal without just cause adds a 40% fine of R$ 389,25, and the saque-aniversário on that balance is R$ 439,25.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
Type your monthly salary and how many months to count, and the balance of this job’s account today if it is not new.
Leave “extras” on to add the deposits on the 13th salary and the holiday third each year; set TR if you know it.
Choose how the job ends: dismissal without just cause, agreement, culpa recíproca or resignation.
Read the balance, the fine, what you can withdraw and the yearly saque-aniversário on that balance.
This calculator follows the FGTS account of one job month by month: the deposits the employer makes, the interest the fund pays, the fine on dismissal, what you can withdraw when the job ends and the yearly saque-aniversário.
Deposits. By the 20th of each month the employer deposits 8% of the previous month's pay (Lei 8.036, art. 15), including the 13th salary; apprentices get 2%. Nothing is taken from your salary. With “extras” on, the calculator adds, once every 12 months, the deposits on a 13th salary and on the holiday third.
Interest. The balance earns 3% a year, credited monthly (about 0.2466% a month), plus the TR, the reference rate that also updates savings accounts. TR changes every month, so it is an input, at 0 by default.
Leaving the job. On dismissal without just cause the employer deposits a fine of 40% of everything deposited in the contract, with its interest, and you can withdraw the balance and the fine. When the contract ends by agreement (CLT art. 484-A) the fine is 20% and you can move up to 80% of the balance. Culpa recíproca or força maior give 20%; a resignation gives no fine and no withdrawal.
Saque-aniversário. If you choose it, each year in your birthday month you can take a share of the balance: 50% up to R$ 500,00, falling to 5% plus R$ 2.900,00 above R$ 20.000,00. In exchange, a later dismissal only releases the fine, not the balance.
For the full termination pay use the Brazil Rescisão Calculator; for unemployment benefit after a dismissal, the Brazil Unemployment Insurance Calculator.
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Employers deposit 8% of each month's pay, the 13th salary included, by the 20th of the following month (Lei 8.036, article 15). Apprentices get 2%. On a salary of R$ 3.000,00 that is R$ 240,00 a month, paid by the employer and never deducted from the salary.
On a dismissal without just cause the employer deposits 40% of everything deposited during the contract, with its interest and monetary update. A balance of R$ 973,13 gives a fine of R$ 389,25. An agreement under CLT article 484-A halves it to 20%, as does culpa recíproca.
Balances earn 3% a year, credited monthly at about 0.2466%, plus the TR reference rate used for savings accounts. Profits of the fund are also shared out each year, but that distribution is set annually and is not included in this calculator.
After a dismissal without just cause you can withdraw the whole balance of that job and the 40% fine. An agreement allows up to 80% of the balance plus the 20% fine. A resignation releases nothing; the money stays in the account until another permitted reason, such as retirement or buying a home.
The yearly withdrawal is a rate of the balance plus a fixed amount from the table in Lei 8.036: 50% up to R$ 500,00, 40% plus R$ 50,00 up to R$ 1.000,00, down to 5% plus R$ 2.900,00 above R$ 20.000,00. A balance of R$ 973,13 releases R$ 439,25.
No. Under Lei 8.036, article 20-A, someone on the saque-aniversário keeps receiving the yearly amount but, when dismissed, can withdraw only the 40% fine, not the balance. Returning to the saque-rescisão takes effect in the 25th month after asking.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Brazil FGTS Calculator (Saldo, Multa, Saque) and anybody who knows can answer. No account needed.
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