Brazilian FGTS Calculator
Calculate your FGTS balance, deposits, and potential withdrawals
Additional Information and Definitions
Monthly Gross Salary
Your monthly salary before any deductions (base for 8% FGTS calculation)
Current FGTS Balance
Your current total FGTS balance from all accounts
Months at Current Job
Number of months you've been at your current job
Projection Period (Months)
Number of months to project your FGTS growth
Annual Salary Increase (%)
Expected yearly salary increase percentage
Estimate Your FGTS Benefits
Project your FGTS growth and calculate withdrawal scenarios
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Understanding FGTS Terms
Key terms to help you understand the Brazilian FGTS system
FGTS:
Fundo de Garantia do Tempo de Serviço - A mandatory workers' fund where employers deposit 8% of the employee's salary monthly
Monthly Deposit:
The amount your employer must deposit monthly, equal to 8% of your gross salary
FGTS Interest:
FGTS accounts earn 3% annual interest plus TR (Taxa Referencial) adjustment
Dismissal Fine:
When dismissed without cause, employers must pay a 40% fine on the total FGTS balance
Withdrawal Conditions:
Specific situations allow FGTS withdrawal, including dismissal without cause, retirement, serious illness, and home purchase
5 Mind-Blowing FGTS Secrets That Could Make You Richer
The Brazilian FGTS system holds many surprising benefits that most workers don't know about. Here are some fascinating insights that could help maximize your benefits.
1.The Hidden Home Purchase Benefit
Few people know that FGTS can be used not only for down payments but also to reduce mortgage payments by up to 80% when combined with certain government housing programs.
2.The Birthday Withdrawal Trick
The birthday withdrawal option, introduced in 2019, allows annual withdrawals while maintaining employment. This can be combined with investment strategies to potentially earn higher returns.
3.The Compound Interest Advantage
While FGTS interest rates seem low at 3% + TR annually, when combined with the employer's 8% monthly deposit, the effective return can exceed 30% annually on your personal wealth.
4.The Multiple Account Strategy
Workers can legally maintain multiple FGTS accounts from different jobs, and each account can be strategically used for different purposes (housing, emergency fund, retirement).
5.The Retirement Multiplier
When retiring, workers can combine FGTS withdrawal with other benefits, potentially doubling their retirement nest egg through strategic timing and benefit coordination.