How it works
fgts calculadora — the short version
Ask five websites for the same fgts calculadora and you get five answers — usually because each one rounds differently. FGTS calculadora holds four decimals internally and only rounds when it prints.
Contracts are boring until something goes wrong; this gives you the paper trail in advance. Check the period you are paid for, not the calendar month — then work it out and the rest of this page explains what the answer means.
Brazilian mandatory severance fund: employer deposits 8% of the employee's salary into a dedicated account each month (2% for apprentices). Can be withdrawn on dismissal without cause, retirement, home purchase or serious illness.
On this page you will see UK Employment & Tax, Caixa Econômica and Ministério do Trabalho treated as first-class terms — each one is linked to the calculators and references that use it, so you can follow the thread without retyping queries into a search bar.
The formula we run is Monthly deposit = 8% of gross salary. You'll see each term laid out in the worked example below.
A worked example, step by step
An example grounded in actual employment figures beats a generic one every time:
A worker earning R$3,500/month has R$280 deposited each month — R$3,360 per year. Over a 5-year job that is R$16,800 accumulated, before 3% + TR interest.
On dismissal without cause, the employer pays an additional 40% fine on the entire FGTS balance (plus 20% social contribution). For the 5-year case above, that is roughly R$6,720 of fine on top of the R$16,800 accrued.
Every run comes back to Monthly deposit = 8% of gross salary — change the inputs, the structure of the answer stays.
Scenarios where FGTS calculadora pays off
FGTS calculadora is aimed at people arriving with questions like these:
- "Como calcular fgts"
- "Multa fgts 40%"
- "Saque fgts rescisão"
- "What is fgts"
- "How to calculate fgts"
- "Fgts formula"
When it isn't the right tool
Every tool has an edge where it stops being the right answer. FGTS calculadora is no exception:
- For legally binding tax or medical decisions — cross-check with HMRC, NHS or a qualified professional.
- For very large or very small extremes the rounding error outgrows the useful precision.
- When the underlying rate or threshold has changed since the page was last reviewed — always verify with the primary source.
- When the input you have is already a derived figure (net of something) — feeding it in as "gross" will double-subtract.
Five things that trip everyone up
Every time you work it out for a new scenario, one of these creeps in — it's worth knowing them ahead of time.
- Expecting the FGTS to grow like a CDB. It earns 3% a year plus TR — historically below inflation. Most workers use the Saque-Aniversário only if they need liquidity.
- Thinking you can withdraw at any time. Withdrawal is restricted: dismissal without cause, retirement, terminal illness, buying a home, or the annual Saque-Aniversário option.
- Forgetting to check the balance regularly via the Caixa FGTS app — historical employers occasionally miss deposits and the statute of limitations is 5 years.
- Confusing FGTS with INSS. FGTS funds severance and home-buying; INSS funds retirement, sickness and disability pensions.
The sources behind the numbers
Where the maths needs an external authority, we cross-check against:
- Caixa Econômica
- Ministério do Trabalho
Works well alongside
If this question keeps coming up for you, the same cluster of tools usually comes next:
- Brazilian Termination Pay calculadora — Estimate Brazilian termination pay for dismissal without just cause — balance, proportional 13th, proportional holidays and FGTS 40% fine.
- 13th Salary calculadora (Brazil) — Estimate your Brazilian 13th salary, proportional to months worked, with INSS and IRRF deductions shown.
- Brazilian Take-Home Pay calculadora — Convert Brazilian gross salary to net take-home pay with INSS + IRRF deductions and dependants, matching the 2026 tables.
How we keep this accurate
Our calculadoras run on pure, unit-tested functions — the same logic lives in the browser and in the CI test suite. When tax rates, thresholds or official figures move, the update lands within 24 hours of the announcement. You can read the editorial policy and corrections policy.
Found an out-of-date number on FGTS calculadora or anywhere else in the Employment toolkit? Send it to the editorial desk and we'll patch it. Or browse the full calculadora directory for the next tool you need.