Brazil / Payroll
FGTS Calculator: Deposits, Remuneration and 40% or 20% Fine
Estimate FGTS account growth from monthly salary, starting balance and dates. Adjust the TR and distributed-profit assumptions and compare 40% and 20% dismissal fines.
FGTS Calculator: Deposits, Remuneration and 40% or 20% Fine: Projects completed month-end deposits and monthly compounding of the statutory 3% yearly interest with an editable annual TR assumption. An entered profit factor credits a share of the prior 31 December balance at August month-end. Profit credits and their subsequent earnings are excluded from the fine base. Actual account credits and withdrawal eligibility can differ from the projection. Estimates cover ordinary CLT employment; collective agreements, court rulings and special regimes are not modelled. Runs 100% locally in your browser with zero server file uploads.
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Brazil · 2026 · BRL
Model: month-end deposits, 3% annual interest plus a constant editable TR assumption converted to monthly compounding. Distributed profits use the previous 31 December balance and are credited at August month-end; default zero predicts no profit credit. An opening balance on 1 January supplies the preceding year-end balance; otherwise earlier profit eligibility is unknown and omitted. Real TR and annual distribution factors vary.
Projected balance at 31/12/2026
| Item | Amount | Working / legal basis |
|---|---|---|
| Opening balance | R$ 0,00 | Assumed eligible fine base; distributed profits excluded |
| Deposits | R$ 3.120,00 | Salary × 8%; initial partial month prorated over 30 days; Lei 8.036/1990, art. 15 |
| Interest and TR | R$ 39,39 | Monthly factor 0.246627%; credited before deposits; Lei 8.036/1990, art. 13 |
| Distributed profits | R$ 0,00 | Prior year-end balance × entered factor; Lei 8.036/1990, art. 13 §5 |
| Projected balance | R$ 3.159,39 | Opening balance + deposits + remuneration; only completed months included |
| Fine calculation base | R$ 3.159,39 | Excludes profit credits and their earnings; assumes no withdrawals; art. 13 §7 |
| 40% dismissal fine | R$ 1.263,76 | Eligible base × 40%; Lei 8.036/1990, art. 18 §1 |
| 20% agreement fine | R$ 631,88 | Eligible base × 20%; CLT art. 484-A |
| Illustrative saque-aniversário | R$ 1.097,82 | Rate × balance plus fixed addition; Lei 8.036/1990, art. 20-D |
This projection does not reproduce a CAIXA statement: deposit due dates, daily TR, withdrawals and the IPCA remuneration safeguard under STF ADI 5090 are excluded. For a dismissal fine after withdrawals, use the employer's saldo para fins rescisórios.
Monthly deposit ledger (12 months)
| Date | Deposit | Interest / TR | Profit | Balance |
|---|---|---|---|---|
| 31/01/2026 | R$ 240,00 | R$ 0,00 | R$ 0,00 | R$ 240,00 |
| 28/02/2026 | R$ 240,00 | R$ 0,59 | R$ 0,00 | R$ 480,59 |
| 31/03/2026 | R$ 240,00 | R$ 1,19 | R$ 0,00 | R$ 721,78 |
| 30/04/2026 | R$ 240,00 | R$ 1,78 | R$ 0,00 | R$ 963,56 |
| 31/05/2026 | R$ 240,00 | R$ 2,38 | R$ 0,00 | R$ 1.205,94 |
| 30/06/2026 | R$ 240,00 | R$ 2,97 | R$ 0,00 | R$ 1.448,91 |
| 31/07/2026 | R$ 240,00 | R$ 3,57 | R$ 0,00 | R$ 1.692,48 |
| 31/08/2026 | R$ 240,00 | R$ 4,17 | R$ 0,00 | R$ 1.936,65 |
| 30/09/2026 | R$ 240,00 | R$ 4,78 | R$ 0,00 | R$ 2.181,43 |
| 31/10/2026 | R$ 240,00 | R$ 5,38 | R$ 0,00 | R$ 2.426,81 |
| 30/11/2026 | R$ 240,00 | R$ 5,99 | R$ 0,00 | R$ 2.672,80 |
| 31/12/2026 | R$ 480,00 | R$ 6,59 | R$ 0,00 | R$ 3.159,39 |
Saque-aniversário withdrawal bands
| Total account balance | Rate | Fixed addition |
|---|---|---|
| Up to R$ 500,00 | 50% | R$ 0,00 |
| R$ 500,01 to R$ 1.000,00 | 40% | R$ 50,00 |
| R$ 1.000,01 to R$ 5.000,00 | 30% | R$ 150,00 |
| R$ 5.000,01 to R$ 10.000,00 | 20% | R$ 650,00 |
| R$ 10.000,01 to R$ 15.000,00 | 15% | R$ 1.150,00 |
| R$ 15.000,01 to R$ 20.000,00 | 10% | R$ 1.900,00 |
| Above R$ 20.000,00 | 5% | R$ 2.900,00 |
Saque-aniversário is optional. During this choice, dismissal generally releases the fine rather than the whole account balance. Returning to saque-rescisão takes effect in month 25 after the request, if there is no active advance contract. Exceptional releases and advance-loan limits are separate rules.
Estimates for ordinary CLT employment; collective agreements, court rulings and special regimes are not modelled.
2026 national minimum wage: R$ 1.621,00. Regional and occupational floors can differ.
Deposits and remuneration
Lei 8.036/1990 articles 13, 15 and 18 (https://www.planalto.gov.br/ccivil_03/leis/l8036consol.htm) set remuneration, deposits and fines. CAIXA remuneration guidance (https://www.caixa.gov.br/beneficios-trabalhador/fgts/rendimentos-perguntas/Paginas/default.aspx) describes annual distributed profits.
Withdrawals and limits
The official FGTS saque-aniversário guidance (https://www.fgts.gov.br/Paginas/trabalhador/saque/saque-aniversario.aspx) supplies the withdrawal bands and mode rules. The STF ADI 5090 ruling (https://portal.stf.jus.br/processos/detalhe.asp?incidente=4528066) concerns the minimum remuneration safeguard; it is outside this scenario projection.
How to use it
- Enter constant salary, an opening balance excluding distributed profits and projection dates.
- Choose the deposit rate, optional 13th salary deposits, and assumed annual TR and profit distribution percentages.
- Review the month-end ledger, projected balance, fine base and illustrative annual withdrawal.
Privacy & limitations
Your salary, dates and other inputs stay in your browser. Nothing is uploaded.
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Frequently asked questions
Is the zero TR or profit default an official forecast?
No. Both defaults are editable scenario assumptions. Real TR changes over time and the distribution factor is set each year. The model does not implement the IPCA remuneration safeguard from STF ADI 5090.
Why can the fine base differ from the available balance?
The actual rescisory base can include amounts withdrawn during employment and excludes distributed profits. This projection assumes no withdrawals and keeps profits and their earnings outside the fine base. For a real dismissal, use the employer’s saldo para fins rescisórios.
How does saque-aniversário work?
It is an optional annual withdrawal calculated as a percentage of combined FGTS balances plus a fixed addition. The page shows the bands. During this choice, dismissal generally releases the fine rather than the full balance. Return to the standard withdrawal mode takes effect in the 25th month after the request if no advance loan is active; exceptional releases and loan limits are separate.
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