FGTS is a benefit guaranteed to all Brazilian workers, and this amount can make all the difference in your day to day life. But what few people know is that you can withdraw your benefit from Guarantee Fund in advance, and that's why we've prepared a complete step-by-step guide for you. acquire this value quickly and easily, check it out!
The value of your FGTS will be higher the longer you work, as its value is made up of monthly deposits that your employer obligatorily makes to your Severance Pay Fund. Each month of work results in 8% of your salary, which means that after a few years of work you will already have a fund worth more than your own salary. And the best part is that you won't have to wait long to withdraw, check it out!
In what situations will I be able to withdraw the guarantee fund?
Access to this fund will be granted in special situations such as unfair dismissal, treatment for a serious illness or when purchasing a home. However, it is worth remembering that there are also other options that can give early access to the benefit. See more situations in which the benefit can be withdrawn:
- Achieving retirement.
- Emergency situations
- Anniversary Withdrawal
- In the acquisition and settlement of real estate loans.
It is important to highlight that the benefit conditions can be updated on the Caixa website, considering that new legislation may bring changes in the future.
FGTS advance: Anniversary withdrawal
This option makes it much easier to withdraw part of your Guarantee Fund in advance. This is because the FGTS Anniversary Withdrawal does not require exceptional situations. You just need to choose this option and make the withdrawal in the month corresponding to your birthday. However, to do so, you will need to check the official withdrawal calendar. Depending on your birthday, there will be a different day to release the cash!
It is also very important to note that this withdrawal option is optional. And if you choose this option, you will not be able to accumulate it with the severance withdrawal. In other words, every worker will have the option to choose the FGTS release criteria. In other words, those who use the anniversary withdrawal will be able to withdraw once a year, in reference to their birthday.
But to be able to withdraw this amount, you will need your NIS number, and you will have to follow our step-by-step guide to find out how to access your balance through the Caixa website:
- FGTS Anniversary Withdrawal: Step by Step
Check out the complete step-by-step guide to requesting and withdrawing your guarantee fund from the Anniversary Withdrawal modality:
- First, you must download the FGTS app on your smartphone. It is available in your phone's app store.
- Open the application and now you can create a registration, and if you already have an account, just log in with your username and password.
- When accessing the APP, select the Anniversary Withdrawal option. If you are registered in the Termination Withdrawal option, you can change options through the Menu. Remember to confirm the Anniversary Withdrawal category to proceed to the next step.
- Add a bank account to receive the benefit. After opting for the Anniversary Withdrawal option, you must choose which bank account you want to use to receive the amount when the respective month of your birthday arrives.
- Simulate the withdrawal amount: You can simulate the money you will receive even before your birthday arrives. This option is available directly through the app, which has an official simulator. Caixa Econômica's system makes a calculation that shows how much you can receive when you request the benefit. This feature is great for helping with your financial planning.
- Anniversary Withdrawal Amounts
Although this option has the great benefit of making annual withdrawals much easier, it is worth remembering that the Anniversary Withdrawal only releases part of the amount from the Guarantee Fund.
This means that most of the time this category releases smaller amounts than the Termination modality. In other words, while the anniversary withdrawal makes a portion of the FGTS amount available every year, the other modalities are more difficult to release, but they can release a larger portion of the fund percentage all at once.
FGTS Anniversary Withdrawal Values Table:
- Up to 500.00 > Rate: 50% > No additional
- 500.01 to 1,000.00 > Rate: 40% > additional: 50.00
- 1,000.01 to 5,000.00 > Rate: 30% > additional: 150.00
- 5,000.01 to 10,000.00 > Rate: 20% > additional: 650.00
- 10,000.01 to 15,000.00 > Rate: 15% > additional: 1,500.00
- 15,000.01 to 20,000.00 > Rate: 10% > additional: 1,900.00
- Above 20,001.00 > Rate: 5% > additional: 2,900.00
- FGTS Calendar
- January: from January 2nd to March 29th
- February: from February 1st to April 30th
- March: from March 1st to May 31st
- April: from April 1st to June 28th
- May: from May 2nd to July 31st
- June: from June 3rd to August 30th
- July: from July 1st to September 30th
- August: from August 1st to October 31st
- September: from September 2nd to November 30th
- October: from October 1st to December 29th
- November: from November 1st to January 31st, 2025
- December: from December 2nd to February 28th, 2025
