The Service Time Guarantee Fund (FGTS) offers several withdrawal options for Brazilian workers in different situations. One of the most popular modalities is the birthday withdrawal, which allows workers to access part of their FGTS account balance annually, in the month of their birthday.
Who can receive up to R$6,000 from FGTS?
To be entitled to the birthday withdrawal and potentially receive up to R$6,000, the worker must opt for this modality. This type of withdrawal is not automatic and requires adherence by the beneficiary. Depending on the month of birth, there is still the possibility of requesting a withdrawal for this year.
How is the FGTS withdrawal calculated?
The value of the birthday withdrawal is calculated based on the total balance that the worker has in their FGTS account. Caixa Econômica Federal uses progressive rates according to the balance to determine how much will be released upon withdrawal. Furthermore, additional amounts are added depending on the balance range in which the worker is.
- Balance up to R$ 500.00 – 50% rate.
- In between R$ 500.01 and R$1,000.00 – 40% rate plus an additional R$50.00.
- In R$ 1,000.01 up to R$5,000.00 – 30% rate plus an additional R$150.00.
- And so on, up to balances exceeding R$20,000.01, which have a rate of 5% and an additional R$2,900.00.
How is the FGTS anniversary withdrawal working in 2024?
Workers who were born between April and December They can still opt for the birthday withdrawal until the end of their birthday month this year to receive the amount. Those who were born in the first months of the year and have not yet carried out the withdrawal, or who wish to anticipate the next installments in the form of a loan, also have this possibility. It is important to highlight that the option for the birthday withdrawal implies the impossibility of withdrawing the full amount from the account in the event of unfair dismissal.
FGTS anniversary withdrawal calendar
- January: January 2nd to March 29th
- February: February 1st to April 30th
- March: March 1st to May 31st
- April: April 1st to June 28th
- May: May 2nd to July 31st
- June: June 3rd to August 30th
- July: July 1st to September 30th
- August: August 1st to October 31st
- September: September 2nd to November 30th
- October: October 1st to December 29th
- November: November 1 to February 28, 2025
- December: December 2 to March 29, 2025
The FGTS offers an interesting alternative for workers to access part of their resources in different situations. With planning and understanding the rules, it is possible to make better use of this option and even increase the amount received with the additional rates. For more information, visit the Caixa Econômica Federal website or app.
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