FGTS Calculator
Calculate monthly FGTS deposit (8% of gross salary) and accumulated balance over a period.
- Monthly deposit
- Accumulated total
How does FGTS work?
Every month the employer deposits an amount equal to 8% of the gross salary into the Severance Indemnity Fund (FGTS). That amount never comes out of your pay; it goes into a linked account at Caixa.
There are specific situations where you can withdraw this money, such as dismissal without cause, buying a home, serious illness or the birthday-withdrawal scheme, among others.
The estimate here shows the nominal balance, without factoring in monetary correction or interest.
What FGTS is and how the deposit is computed
FGTS (Fundo de Garantia por Tempo de Serviço) is a labor severance fund created by Law 8.036/1990. Every Brazilian formal employee under CLT has a vested account at Caixa Econômica Federal where the employer deposits 8% of the gross monthly salary, on top of the salary itself — it is not deducted from the employee's paycheck. The formula is straightforward: FGTS = gross salary · 0.08. A worker earning R$ 3,000 has R$ 240 deposited each month, totaling R$ 2,880 per year (or R$ 3,120 including the proportional 13th salary, which also generates FGTS).
The fund earns a fixed rate of 3% per year plus TR (Taxa Referencial, usually near zero), historically below inflation, which is why employees rarely treat FGTS as a savings vehicle. The young apprentice contract (menor aprendiz) carries a reduced rate of 2%. Domestic workers were brought into the system by the Lei das Domésticas (LC 150/2015) and follow the standard 8%.
Withdrawal rules and the 40% fine
FGTS cannot be withdrawn freely. Allowed events include: dismissal without just cause, retirement, serious illness (cancer, HIV, terminal conditions), purchase of a residential property, account inactive for 3+ years and the optional saque-aniversário (birthday-month withdrawal) modality introduced in 2020. Choosing saque-aniversário forfeits the right to withdraw the full balance on dismissal — only the 40% fine remains accessible.
On dismissal without just cause, the employer must pay a 40% fine over the entire FGTS balance (not just the last deposit). On a R$ 3,000 salary over 12 months, the accumulated R$ 2,880 generates a R$ 1,152 fine — a meaningful share of the total severance package. FGTS deposits are exempt from income tax both at deposit and at withdrawal.
Calculate FGTS and accumulated balance
Each month the employer deposits 8% of the gross salary into the worker's FGTS (severance fund) account. It's an amount that builds up and earns returns over time. This calculator shows both the monthly deposit and the balance accumulated across a period you set.
Starting from the salary and the time worked, it projects how much goes into the fund each month and what that adds up to. You can check whether the deposits are right, estimate the balance available for a withdrawal or financing, or simply get a sense of how much this right is worth after a few years.
Since the calculation runs in your own browser and keeps none of what you type, it's an easy way to track a labour right many people forget to monitor.
Frequently asked questions
Is FGTS deducted from my salary?
Does the 13th salary generate FGTS?
Should I opt for saque-aniversário?
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The results provided by this tool are for general informational and educational purposes only and do not constitute professional, financial, medical, legal, tax or accounting advice. Always confirm important decisions with a qualified professional and official sources.