See how much you withdraw each year under the birthday withdrawal, project your balance, compare it with the termination withdrawal on dismissal and find the true cost of an advance.
Under the birthday withdrawal (saque-aniversario) you take part of your FGTS balance out every year, in your birthday month. The amount comes from the Annex to Law 8,036/1990, added by Law 13,932/2019: apply the rate of your band to the sum of all your accounts and add the fixed amount. There are seven bands. Up to R$ 500, 50% is paid out. From R$ 500.01 to R$ 1,000, 40% plus R$ 50. From R$ 1,000.01 to R$ 5,000, 30% plus R$ 150. From R$ 5,000.01 to R$ 10,000, 20% plus R$ 650. From R$ 10,000.01 to R$ 15,000, 15% plus R$ 1,150. From R$ 15,000.01 to R$ 20,000, 10% plus R$ 1,900. Above R$ 20,000, 5% plus R$ 2,900. With a R$ 12,000 balance, for example, that is 15% (R$ 1,800) plus R$ 1,150: R$ 2,950, and R$ 9,050 stays in the account. The law lets the federal executive change the table until June 30 each year, effective January 1, with a 5% minimum rate. The money is available from the first business day of the birthday month to the last business day of the second following month; whatever is not withdrawn goes back to the account. The price of the choice shows up on dismissal without cause. Under the birthday option you receive only the 40% fine on the deposits of that job (art. 20-D, par. 7, and art. 18, par. 1) and the balance stays locked, coming out little by little on later birthdays. Under the termination option you get the full balance plus the fine. Switching back requires a request and only takes effect on the first day of the 25th following month (art. 20-C). An advance is a loan secured by the birthday withdrawal. Under the FGTS Board rules in force since November 1, 2025, you wait 90 days after joining, each installment is from R$ 100 to R$ 500, only one operation per year is allowed, and the limit is 5 yearly installments until October 31, 2026, dropping to 3 from November 1, 2026. The simulator does not assume the bank's rate: you enter what lands in your account and the installments, and it computes the effective monthly and yearly rate. The projection uses 8% of salary per month, interest of 3% a year plus the TR (you choose it) and shows, year by year, what each option would deliver.
Paste the code into your HTML and the tool shows up on your page, without J-Kit's navigation and ads. It still runs in the browser of whoever visits your site.
<iframe
src="https://jkit.tools/embed/en-US/fgts-birthday-withdrawal-simulator"
width="100%"
height="600"
style="border:0"
loading="lazy"
title="FGTS Birthday Withdrawal Simulator"
></iframe>These references help contextualize formulas, standards, APIs and limitations used on this page. They do not replace professional validation when a result has legal, financial, medical or operational impact.
Add up the balance of all accounts, apply the rate of the band (from 50% to 5%) and add the fixed amount of the band. Balance of R$ 3,000: 30% is R$ 900, plus R$ 150, total R$ 1,050. Balance of R$ 25,000: 5% is R$ 1,250, plus R$ 2,900, total R$ 4,150.
Add up all accounts (active and inactive), as shown in the FGTS app.
Next withdrawal window: June 01, 2027 to August 31, 2027. Estimated from the rule (first business day of the birthday month to the last business day of the second following month). Confirm in the FGTS app.
| Balance band | Rate | Fixed amount | Withdrawal at band ceiling |
|---|---|---|---|
| R$0.01 to R$500.00 | 50% | - | R$250.00 |
| R$500.01 to R$1,000.00 | 40% | R$50.00 | R$450.00 |
| R$1,000.01 to R$5,000.00 | 30% | R$150.00 | R$1,650.00 |
| R$5,000.01 to R$10,000.00 | 20% | R$650.00 | R$2,650.00 |
| R$10,000.01 to R$15,000.00 | 15% | R$1,150.00 | R$3,400.00 |
| R$15,000.01 to R$20,000.00 | 10% | R$1,900.00 | R$3,900.00 |
| Above R$20,000.00 | 5% | R$2,900.00 | - |
The fixed amount was set so the table has no steps: at the ceiling of each band, the old rate and the new rate give the same amount. Moving up a band only lowers the percentage, never the amount in reais.
Example at the R$ 5,000 boundary: a balance of R$ 5,000.00 pays R$1,650.00; R$ 5,000.01 pays R$1,650.00.
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