The Severance Pay Guarantee Fund (FGTS) is one of the main rights of Brazilian workers, guaranteeing a financial reserve in times of need.
In this guide, we explain how to consult and withdraw your FGTS in a simple way, in addition to showing you how to anticipate the withdrawal and understand the available modalities.
How does the FGTS calculation work?
The FGTS is made up of monthly deposits equivalent to 8% of the employee's salary, made by the employer. These amounts are accumulated in an account linked to the employment contract and can be withdrawn under specific conditions.
The amount available varies according to the employee's length of service and salary. Therefore, the longer the period worked, the greater the accumulated balance in the FGTS.
Conditions for Withdrawing FGTS
FGTS withdrawals are permitted in special situations, including:
- Dismissal without just cause: The worker can withdraw the full balance.
- Buying your own property: As long as it is the first residence and for personal use.
- Serious illnesses or public calamity situations: They guarantee extraordinary withdrawals.
It is important to highlight that, to purchase a property, the worker cannot have another property in his name.
How to Withdraw FGTS in Advance?
If you want to access FGTS resources before traditional situations, you can opt for Anniversary Withdrawal. This modality allows the annual withdrawal of a part of the balance, in the month of the worker's birthday.
- Advantage: Provides early access to the fund.
- Limitation: Only a fraction of the total balance is released annually.
The worker can change the withdrawal method directly through the FGTS application, managed by Caixa Econômica Federal.
2024 Anniversary Withdrawal Calendar
Check the dates to make the withdrawal according to the month of birth:
- 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 1st to January 31st, 2025
- December: December 2 to February 28, 2025
Step by Step Guide to Consulting FGTS
Consultation on the Caixa website
- Access the official Caixa website in the “FGTS Statement” section.
- Enter your CPF and create an account, if you don't have one yet.
- Complete the registration form and answer the security questions.
- Check your email to confirm account creation.
- Log in and click on “FGTS”.
- Select “Total FGTS Balance” to view your information.
Consultation via the App
- Download the FGTS app from your smartphone's online store (Android or iOS).
- Log in or create an account.
- On the home screen, click on “Statement”.
- Check detailed information about your available balance.
Step by Step Guide to Withdrawing FGTS
- Check Your Eligibility: Make sure you meet the requirements for the withdrawal method you choose (Termination, Extraordinary or Anniversary).
- Access the FGTS Application: Log in and go to the “My Withdrawals” section.
- Register your Bank Account: Click on “My Bank Account” and register your bank details.
- Request Withdrawal: After registering the account, select the withdrawal option and confirm the operation.
If all requirements are met, the amount will be released directly into the registered bank account.
ACCESS YOUR FGTS HERE NOW!Why Use FGTS?
The FGTS is more than just an employment benefit. It offers financial security in unexpected situations and helps workers make their dreams come true, such as buying a property or paying off debts. Taking advantage of the available balance with planning is the best way to make the most of this right guaranteed by law.
Now that you know all the information about consultation and withdrawal, take this opportunity to check your balance and use your FGTS strategically!
START USING YOUR BENEFIT HERE RIGHT NOW!
