Dismissal with R$ 10,000: termination option
- Input
- saldo 10000, base 10000
- Expected output
- 14000.00
Balance plus the 40% fine.
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fgts birthday withdrawal or termination withdrawal which to choose
Use the Projection and Dismissal tabs with your own balance and salary. The first shows the year-by-year total, the second what each option pays on the day of dismissal.
Balance plus the 40% fine.
Only the fine; R$ 10,000 stays locked.
Balance with interest up to June, 15% band.
Birthday option with 8% deposits and 13th salary.
As in the termination option.
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.
No. Art. 20-D, par. 7, of Law 8,036/1990 guarantees the fine in art. 18 to anyone who chose the birthday option. The base is the total deposited in the job, with correction and interest, even if part was already withdrawn.
Unemployment insurance is a separate benefit with its own rules and does not depend on the FGTS option. Only access to the FGTS balance on dismissal changes. Use the unemployment benefit calculator on the site to estimate installments.
You can, but with a wait: the request to return to the termination option only takes effect on the first day of the 25th month after the request, and until then the birthday rules apply, including on dismissal.
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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