FGTS is a benefit guaranteed for all Brazilian workers, and this amount can make all the difference in your daily life. But what few know is that you can withdraw your benefit from the Severance Indemnity Fund for Employees ahead of schedule, and that's why we've prepared a complete step-by-step guide for you to obtain this amount quickly and easily, check it out!

Your FGTS amount will be greater the longer you work, as its value is made up of monthly deposits that your employer is required to make to your Severance Indemnity Fund for Employees. Each month of work results in 8% of your salary, which means that after a few years of work you'll already have a fund worth more than your own salary. And the best part is you won't have to wait long to withdraw, check it out!

In which situations can I withdraw the severance fund?

Access to this fund will be released in special situations such as dismissal without just cause, treatment of serious illness or when buying your own home. But it's worth noting that nowadays there are also other options that can give early access to the benefit. See more situations in which the benefit can be withdrawn:

Achievement of retirement.
Emergency situations
Birthday withdrawal
When acquiring and settling real estate loans.

It's important to note that the benefit conditions can be updated on the Caixa website, considering that new legislation may bring changes in the future.

Early FGTS: Birthday withdrawal

This option makes it much easier to withdraw in advance a portion of your Severance Indemnity Fund. And this is because FGTS Birthday Withdrawal doesn't require exceptional situations, you just need to choose this option and make the withdrawal in the month corresponding to your birthday. But for this you'll need to consult the official withdrawal calendar, as according to your birthday you'll have a different day to release the cash amounts!

It's also very important to note that this withdrawal option is optional. And if you choose this option you won't be able to combine it with the termination withdrawal. That is, every worker will have the option to choose the FGTS release criteria. In other words, those who use the birthday withdrawal can withdraw once a year, referring to their birthday.

But to be able to withdraw this amount, you'll need your NIS number, and you'll need to follow our step-by-step guide to find out how to access your balance through the Caixa website:

Check out the complete step-by-step guide to request and withdraw your severance fund using the Birthday Withdrawal option:

First you should download the FGTS app on your smartphone. It's available in your phone's app store.
Open the app and now create an account, and if you already have one, just log in with your username and password.
When you enter the APP, select the Birthday Withdrawal option. If you're registered in the Termination Withdrawal option, you can switch between options through the Menu. Remember to confirm the Birthday Withdrawal category to proceed to the next step.
Add a bank account to receive the benefit. After choosing the Birthday Withdrawal option, you need to select which bank account you want to use to receive the amount when it reaches your birthday month.
Simulate the withdrawal amount: You can simulate the money you'll receive even before your birthday arrives. This option is available directly through the app, which has an official simulator. The Caixa Econômica system makes a calculation that shows how much you can receive when requesting the benefit. This feature is great for helping with your financial planning.

Although this option has the great benefit of withdrawing annually much more easily, it's worth remembering that Birthday Withdrawal releases only a portion of your Severance Indemnity Fund.

Which means that most of the time this option releases smaller amounts than the Termination option. In other words, while birthday withdrawal makes a portion of the FGTS available every year, the other options are harder to release, but they can release a larger percentage of the fund all at once.

FGTS birthday withdrawal rate table: