FGTS Birthday Withdrawal Calculator

The FGTS Saque-Aniversário (Birthday Withdrawal) modality allows Brazilian workers to withdraw a portion of their FGTS balance every year in their birthday month, rather than only upon termination. The withdrawal amount follows an official table: higher balances receive a smaller percentage but a higher fixed component, resulting in a sliding scale from 50% (for small balances) down to 5% (for large ones).

In November 2025, the Brazilian government reduced the maximum number of advance parcels — the mechanism used by fintechs like Nubank and PicPay to offer immediate credit based on future birthday withdrawals — from 5 to 3 years. This change significantly reduces the total amount workers can access as an upfront advance from financial institutions.

This calculator uses the current official withdrawal table and the new 3-parcel limit to show exactly how much you can withdraw annually and how much you can access as a maximum advance. Note that switching to Saque-Aniversário requires opting in via the Caixa Econômica Federal app, and once switched, you cannot access the full balance upon termination (demissão sem justa causa) for 2 years.