Brazil FGTS Calculator 2025 (Fundo de Garantia)

On a R$4,000 salary, the employer deposits R$320/month into your FGTS account. After 24 months, the accumulated balance is approximately R$7,800. If dismissed without cause, you're entitled to withdraw the FGTS balance plus a 40% penalty (approximately R$3,120).

Last updated: 7 April 2026·Source: Caixa Econômica Federal — FGTS

Monthly Salary (R$) (BRL)

Months Worked

Monthly FGTS Deposit (8%)

BRL320

Total FGTS Balance (estimated)

BRL7,925

Severance Penalty (40% if dismissed)

BRL3,170

FGTS earns TR (referential rate, near zero) + 3% annual interest. The 40% penalty (multa rescisória) applies only when the employer dismisses without just cause. The employee can withdraw their FGTS balance after dismissal.

What is the Brazil FGTS Calculator?

FGTS (Fundo de Garantia do Tempo de Serviço) is Brazil's severance fund. Employers must deposit 8% of gross salary monthly into an individual FGTS account for each CLT employee. The balance earns TR (near zero) + 3% annual interest. Workers can access FGTS upon dismissal without cause, retirement, natural disaster, or terminal illness, and up to 80% for property purchase.

Formula

Monthly FGTS = Salary × 8%. Total grows with 3% annual interest. Dismissal penalty = Total × 40%.

C: = Monthly contribution (8% of salary)
r: = Monthly rate (3%/12)
n: = Months worked

How to use the Brazil FGTS Calculator

1
Step 1
Enter monthly salary.
2
Step 2
Enter number of months worked.
3
Step 3
View FGTS balance and potential severance.

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Reviewed on 5 April 2026

Frequently asked questions

Can I access FGTS if I resign voluntarily in Brazil?

Generally no for full withdrawal. You can withdraw accumulated FGTS in some specific situations: buying your first home, retirement, serious illness, or natural disasters. Voluntary resignation without qualifying event does not permit full withdrawal.

What is the 40% FGTS penalty for dismissal?

When an employee is dismissed without just cause (demissão sem justa causa), the employer must pay a 40% fine on the entire FGTS balance accumulated during employment. This fine goes directly to the employee. If the dismissal goes through the court (demissão por acordar), only 20% applies.