Brazil FGTS Calculator
FGTS deposits with TR + 3% a year, balance over time and the 40% fine
Your FGTS
In years: 3.
Starting balance that keeps earning interest. Leave blank to start from zero.
Default 0.17%: the average monthly TR from Oct 2025 to Sep 2026 (Banco Central, series 7811). Change it to test other scenarios.
Once a year, 8% of the 13th salary and of the vacation bonus also goes to FGTS.
Your FGTS projection
Balance after 36 months
R$10,311.42
Monthly deposit of R$240.00
- Total deposited
- R$9,600.00
- Earnings (TR + interest)
- R$711.42
- 0.25% a month of interest plus 0.17% of TR
- 40% fine
- R$4,124.57
- Dismissal without cause
- 20% fine
- R$2,062.28
- Mutual agreement (CLT art. 484-A)
| Year | Deposits | Earnings | Balance |
|---|---|---|---|
| Year 1 | R$3,200.00 | R$67.00 | R$3,267.00 |
| Year 2 | R$3,200.00 | R$234.27 | R$6,701.27 |
| Year 3 | R$3,200.00 | R$410.15 | R$10,311.42 |
Assumes a constant salary and a TR of 0.17% a month. Each month's balance earns TR and 3% a year before the new deposit, as Caixa credits on the 21st.
Not included: the yearly profit distribution, which lifted the total return of FGTS accounts to 6.9% in 2025 according to Caixa. An estimate. Your real balance is in the FGTS app.
Frequently asked questions
How does the FGTS balance grow?
By TR plus 3% a year, credited every month on the 21st on the balance of the 21st of the month before (Law 8.036/1990, art. 13). 3% a year equals about 0.2466% a month. A yearly profit distribution comes on top: Caixa reports a total return of 6.9% for 2025.
How much does the employer deposit?
8% of the pay, including the 13th salary (Law 8.036/1990, art. 15). Apprentices get 2%, and for domestic workers the employer pays 11.2%: 8% of deposit plus 3.2% set aside for the termination fine (Caixa).
How is the 40% FGTS fine calculated?
On dismissal without cause the employer pays 40% of all deposits made during the contract, with their interest and TR (Law 8.036/1990, art. 18, § 1). It is 20% in a mutual agreement (CLT art. 484-A). The profit distribution is left out of the base (art. 13, § 7). Use the saldo para fins rescisórios shown in the FGTS app.
What TR value does the calculator use?
By default 0.17% a month, the average of the monthly TR from October 2025 to September 2026 in Banco Central series 7811. The TR changes with interest rates, so you can type another value.
When can I withdraw my FGTS?
On dismissal without cause, at the normal end of a fixed-term contract, up to 80% in a mutual agreement, and in cases such as retirement or buying a home (Law 8.036/1990, art. 20). If you chose the birthday withdrawal, dismissal releases only the fine.
Does FGTS lose to inflation?
TR plus 3% can fall below inflation. After the Supreme Court ruling, Caixa checks every year whether TR, 3% and the profit distribution reach at least the IPCA; if not, the FGTS board sets a compensation.