Updated October 2, 2026
FGTS birthday-withdrawal anticipation 2026
Anticipating the birthday withdrawal changes on 1 November 2026, from five withdrawals to three. Both scenarios sit side by side.
Also searched as antecipação FGTS, FGTS loan calculator and new FGTS anticipation rules.
Quick answer
Anticipating the birthday withdrawal allows R$100 to R$500 per yearly withdrawal: up to five withdrawals until 31 Oct 2026 (R$2,500 at most), and up to three from 1 Nov 2026 (R$1,500). With a R$3,500 balance the yearly withdrawal is R$1,200, but only R$500 a year can be anticipated.
Your result
Until 31 Oct 2026 (5 withdrawals)
R$2,500.00
- Estimated annual withdrawal
- R$3,900.00
- Credit per year (cap)
- R$500.00
- From 1 Nov 2026 (3 withdrawals)
- R$1,500.00
Each anticipated withdrawal under this rule sits between R$100 and R$500.
How we got this number
Anticipation is a loan secured on future birthday withdrawals. Resolution CCFGTS 1.130/2025 caps new deals at five annual withdrawals until 31 Oct 2026 and three from 1 Nov 2026, each between R$100 and R$500.
Formula and rules
Theoretical annual withdrawal from the birthday table. Credit per year = min(withdrawal, 500) if ≥ 100. Totals: ×5 before the change, ×3 after.
Examples
R$20,000 balance
Theoretical withdrawal R$3,900, but anticipatable credit is capped at R$500 a year → R$2,500 vs R$1,500.
Frequently asked questions
Are older contracts hit?
Only one contract per yearly withdrawal is allowed, and the earlier one must be settled first. This page models the CCFGTS Resolution 1.130/2025 caps for new operations.
How long after joining can I anticipate?
After 90 days from joining the birthday scheme, with one contract per yearly withdrawal (CCFGTS Resolution 1.130/2025).
How many withdrawals can I anticipate from November 2026?
Up to three yearly withdrawals of R$100 to R$500 each, so R$1,500 at most. Until 31 October 2026 the limit is five withdrawals, R$2,500 in total (CCFGTS Resolution 1.130/2025).
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Official sources used
Calculations run in your browser. We never ask for CPF, email or bank details, and values are not sent to our servers.
These tools provide educational estimates only. They are not a credit offer, financial advice, or an approval guarantee. Always check your payslip, contract and the current official rules.