Updated October 2, 2026
FGTS birthday withdrawal and 2026 anticipation
One number is CAIXA’s annual withdrawal table. Another is the loan that anticipates it — and in 2026 that loan shrinks.
Two ceilings
The birthday table can release thousands a year on large balances. Anticipation under Resolution CCFGTS 1.130/2025 caps each assigned withdrawal at R$500 and cuts the count from five to three on 1 November 2026.
How the table sets the yearly withdrawal
Under the birthday withdrawal, the yearly amount is the bracket rate applied to the sum of all your FGTS account balances, plus a fixed extra amount, as set out in the annex to Law 8.036/1990. Brackets run from 50% (balance up to R$500) to 5% plus R$2,900 (balance above R$20,000). The official example is a R$1,000 balance: 40% plus R$50, or R$450.
By the same table, a R$3,500 balance releases 30% plus R$150, or R$1,200 a year. With R$8,000 it is 20% plus R$650, or R$2,250. With R$25,000, 5% plus R$2,900, or R$4,150.
Anticipation rules in 2026
CCFGTS Resolution 1.130/2025 allows anticipating R$100 to R$500 of each yearly withdrawal, with one contract per withdrawal and only 90 days after joining. Until 31 October 2026 up to five withdrawals can be anticipated (at most R$2,500); from 1 November 2026, up to three (at most 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.
The payment to the lender happens by the fifth business day of the birthday month. What is blocked in FGTS is the base amount that secures the operation, not only the amount borrowed.
Risks and common mistakes
A worker on the birthday scheme who is dismissed receives the severance fine but cannot withdraw the account balance, which is released only in later yearly withdrawals or in other legal cases such as retirement, serious illness and housing.
Returning to the termination scheme only takes effect on the first day of the 25th month after the request, and is not possible while an anticipation is contracted. Anticipating does not create new money: it is a loan against your own future withdrawal. Always compare CET before signing.
Frequently asked questions
How much do I get from the birthday withdrawal?
It depends on the balance: R$1,000 gives 40% plus R$50, or R$450; R$3,500 gives 30% plus R$150, or R$1,200; balances above R$20,000 pay 5% plus R$2,900.
What changes in anticipation on 1 November 2026?
The maximum number of anticipated withdrawals falls from five to three, so the total is capped at R$1,500 instead of R$2,500. Each anticipated withdrawal stays between R$100 and R$500.
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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.