R$ 800 for 3 x R$ 300, first in 4 months
- Input
- 800; 3 x 300; 4 meses
- Expected output
- 0.76% a.m. / 9.46% a.a.
Total paid back R$ 900; cost R$ 100.
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fgts birthday withdrawal advance worth it
In the Advance tab, enter the amount paid into your account, the yearly installment and how many installments the bank will hold. The effective rate appears at once, assuming nothing about the bank.
Total paid back R$ 900; cost R$ 100.
Cost of 25% of the amount received.
Pays back R$ 1,500; cost R$ 300.
90 days after joining.
The cap drops on November 1.
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 amount paid into your account and the yearly installments in the contract are enough. With those two numbers the effective rate comes from the math. Use the net amount received, after IOF tax, fees and insurance, so the real cost shows.
You can only take the 40% fine. The balance blocked as security cannot be withdrawn until the operation ends. That is why unemployment risk weighs more with an advance than without one.
Under the rules in force since November 1, 2025, only one operation a year, Before that date several operations at once were possible. Confirm the details with Caixa.
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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