How to withdraw my FGTS in 2025?

Most Brazilians face major financial difficulties, and all kinds of extra income can make a big difference to the month's budget. For this reason, FGTS withdrawal can make a big difference to the majority of the population, and understands that the operation of the FGTS withdrawal becomes crucial information, as this is an alternative to getting fast additional money on your account. Therefore, we will show you all the information you need to withdraw your FGTS, and so you know when and how to apply for your withdrawal in a practical and secure way, check it out!

How does FGTS work?

The Service Time Guarantee Fund, better known as (FGTS), is a benefit guaranteed to all workers hired under the consolidation of Labor Laws (CLT). This fund acts as an account opened by Caixa Econômica Federal, where the employer deposits the equivalent of 8% of the employee's salary monthly. The FGTS withdrawal is the right that every worker has to withdraw part or even all the accumulated value in his fund account, in specific situations and conditions. It is noteworthy that each modality of FGTS has its own rules and withdrawal conditions.

When is it possible to withdraw my FGTS?

The worker can withdraw FGTS in the following situations:

Retirement: The worker can withdraw the total amount of the account FGTS, including interest and corrections.
Dismissal without just cause: Allows you to remove all available balance in the FGTS account.
Termination by mutual guilt: entitles you to withdraw half the balance of the account.
Death: Dependents or heirs may withdraw the full balance of the deceased's FGTS account.
Work accident: releases the full balance of the account, added to interest and corrections.
Indirect Termination: Allows the total withdrawal, plus interest and correction.
Severe Diseases: The worker can withdraw the entire balance, with due interest and correction.
Purchase of land: allows up to 50% of the amount available in the fund for this purpose.
Property Purchase: It will be possible to use up to 80% of the FGTS balance to purchase their own home.
Investment in Eletrobras actions: The worker can use up to 50% of the balance to invest.
Anniversary: entitles you to remove an percentage of the balance annually, with interest and correction.

How to withdraw FGTS in termination situations?

If the worker is disconnected from his work, he can withdraw his FGTS going to a Caixa agency or using the official FGTS app, which is available for both Android on the Play Store and iOS in the App Store.

Documents required for withdrawal in case of dismissal without cause:

ID Document (ID, CPF or CNH)
TERMINATION OF THE EMPLOYMENT CONTRACT
Work card

For termination by agreement or just cause, it is necessary:

Work card
Contract Termination Term
ID Document (ID, CPF or CNH)
Letter of consent of the employer (in case of agreement between the parties)

How much can I withdraw on FGTS?

The withdrawal value will vary according to numerous factors, including the FGTS modality. Check below:

Dismissal without cause: allows you to remove the total balance, plus a 40% fine on this value.
Termination by the employer's fault: It also entitles the total balance plus 40% fine.
In other situations, such as purchase of property or-looting, the limit can be up to 80% of the balance.

FGTS Calculation: How is it done?

The withdrawal value will be equal to the proportion between the available balance in relation to the permitted percentage. For example, if you have $ 10,000 in FGTS and the percentage released is 80%, the withdrawal will be: 10,000.00 x 0.8 = 8,000.00. It is worth remembering that the FGTS balance is updated monthly by the Referential Rate (TR).