FGTS Birthday Withdrawal (Saque-Aniversário): How Much You Can Take Out and When It Pays Off

September 29, 2026

The birthday withdrawal (saque-aniversário) lets Brazilian workers take out part of their FGTS balance every year, in the month of their birthday. In exchange, if they are dismissed without cause they cannot withdraw the balance – they only get the 40% fine. Here is how much you can withdraw and when the choice makes sense.

How it works

You opt in through the FGTS app, and it applies to all of the worker's accounts.
The money is available from the month of your birthday until the last business day of the second following month.
If you do not opt in, you stay on the termination withdrawal (saque-rescisão), the default: on dismissal without cause you take the whole balance plus the fine.

The withdrawal table

The amount depends on the balance: a percentage plus a fixed extra amount.

FGTS balance	Rate	Extra amount
Up to R$ 500.00	50%	–
R$ 500.01 to R$ 1,000.00	40%	R$ 50
R$ 1,000.01 to R$ 5,000.00	30%	R$ 150
R$ 5,000.01 to R$ 10,000.00	20%	R$ 650
R$ 10,000.01 to R$ 15,000.00	15%	R$ 1,150
R$ 15,000.01 to R$ 20,000.00	10%	R$ 1,900
Above R$ 20,000.00	5%	R$ 2,900

Examples

Balance	Calculation	Withdrawal
R$ 800	40% × 800 + 50	R$ 370
R$ 3,000	30% × 3,000 + 150	R$ 1,050
R$ 8,000	20% × 8,000 + 650	R$ 2,250
R$ 12,000	15% × 12,000 + 1,150	R$ 2,950
R$ 30,000	5% × 30,000 + 2,900	R$ 4,400

What if I am dismissed?

If you are on the birthday withdrawal and are dismissed without cause, you get the 40% fine, but the balance stays locked. To go back to the termination withdrawal you ask in the app, and the change only takes effect on the first day of the 25th month after the request.

Birthday withdrawal advances

Banks offer to advance several years of birthday withdrawals in one credit operation, with interest. The balance is pledged as collateral – until the loan is repaid, those amounts stay locked, even on dismissal.

When it pays off

It may pay off for people in stable jobs who want extra money every year, or need to clear expensive debt.
It usually does not for people at risk of dismissal: the whole balance, which would be the unemployment cushion, stays locked for at least 2 years.

Simulate it

The FGTS calculator estimates the balance month by month, the fine and the birthday withdrawal from your salary. If you have the real balance from the app, type it in for an exact figure.

Rules of Law 13,932/2019. Check the current conditions and your balance in the FGTS app.

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