Request on 10/18/2026
- Input
- 2026-10-18
- Expected output
- 2028-11-01
October 2026 plus 25 months.
Carregando ferramenta… / Loading tool…
switch back to fgts termination withdrawal 25 months
In the Dismissal tab, pick the request date: the simulator shows the day the change takes effect and compares what you would receive under each option if dismissed.
October 2026 plus 25 months.
January 2026 plus 25 months.
The year turnover counts.
Only the fine; the balance stays locked.
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. The request only changes the system after 25 months. Until then you keep receiving by the birthday table. After the change, the balance can again be withdrawn in termination-option cases, such as dismissal without cause.
No. The fine is owed by the employer under either option, and the law guarantees access to it under the birthday option as well. The switch request only affects access to the balance.
The request only becomes effective if there is no assignment or sale of the yearly withdrawals. With an advance open, the change is not made effective. The contract with the bank has to be paid off before the return takes effect.
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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