Cálculo do FGTS: saldo com 3% ao ano, multa de 40%, saque e saque-aniversário
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.O empregador deposita todo mês 8% do salário no FGTS (2% para aprendizes), também sobre o 13º. O saldo rende 3% ao ano mais a TR. Na demissão sem justa causa o empregador paga 40% do saldo do contrato; no acordo, 20%, e você saca até 80%. Com R$ 1.000,00 por 12 meses o saldo chega a R$ 973,13 e a multa a R$ 389,25.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
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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.
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.
The rest of the article, and all 6 questions about Brazil FGTS Calculator (Saldo, Multa, Saque), are on the Brazil FGTS Calculator (Saldo, Multa, Saque) page.
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.
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.
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