Updated October 2, 2026
FGTS birthday withdrawal table 2026: how much you get
Enter your FGTS balance and see the yearly withdrawal from the official table: the bracket rate plus the extra tranche.
Also searched as saque aniversário calculator, FGTS withdrawal table and how much FGTS can I withdraw.
Quick answer
In the birthday withdrawal, the yearly amount is the bracket rate on your balance plus a fixed extra: R$1,000 gives 40% + R$50, or R$450; R$5,000 gives 30% + R$150, or R$1,650; R$20,000 gives 10% + R$1,900, or R$3,900. The balance is the sum of all your accounts.
Your result
Estimated annual withdrawal
R$3,900.00
- FGTS balance
- R$20,000.00
- Rate
- 10%
- Additional tranche
- R$1,900.00
How we got this number
The birthday-withdrawal table applies a falling rate (50% to 5%) plus a fixed extra by balance band. The output is the annual amount, not the whole FGTS balance. Joining this modality changes severance-withdrawal rules; we do not advise you to opt in or out.
Formula and rules
Withdrawal = balance × rate + extra, capped at the balance itself.
Examples
Balance R$1,000
40% + R$50 → R$450.
Balance R$20,000
10% + R$1,900 → R$3,900.
Frequently asked questions
Do active and inactive accounts add up?
Yes. The rate and the extra amount apply to the sum of the balances of all your FGTS accounts.
Can you withdraw the balance if dismissed under the birthday scheme?
No, only the severance fine. The balance stays available in the yearly withdrawals. Returning to the termination scheme takes effect on the first day of the 25th month after the request.
How is the FGTS birthday withdrawal calculated?
Apply the bracket rate to the total balance and add the extra tranche. With R$8,000, that is 20% (R$1,600) plus R$650: R$2,250 a year. The table is in the annex to Law 8.036/1990.
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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.