Brazil FGTS Calculator: Balance, 40% Fine and Birthday Withdrawal
Estimate your FGTS in Brazil: 8% monthly deposits, balance with interest, the 40% fine on dismissal and the birthday withdrawal amount. Free, 2026 rules.
| Year | Total deposited | Yield | Estimated balance |
|---|
What it does
FGTS is a fund the employer pays into every month, in the worker's name, at Caixa: 8% of the gross salary (2% for apprentices), plus 8% of the 13th salary and of the vacation bonus. It earns 3% a year plus the TR. On dismissal without cause the employer pays a 40% fine on everything deposited during the contract and the worker can withdraw the balance; with the birthday withdrawal, part of the balance is paid every year instead, following the official table.
How to use it
- Type your gross salary and how many months you have worked (or will work).
- Add your current FGTS balance, if you know it, and the contract type.
- Read the estimated balance, the 40% fine and the birthday withdrawal.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much FGTS is deposited on a R$ 2,000 salary?
8% of R$ 2,000 is R$ 160 a month. In 12 months, with the deposit on the 13th salary, that is R$ 2,080 before the yield.
How is the 40% fine calculated?
It is 40% of all deposits made during the contract with their interest, even if part was withdrawn. In a termination by agreement (art. 484-A of the CLT) it is 20%.
How much is the birthday withdrawal?
It is a percentage of the balance plus a fixed amount: with R$ 3,000, 30% plus R$ 150 gives R$ 1,050. Whoever chooses it cannot withdraw the full balance on dismissal, only the fine.
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