See the 8% your employer deposits every month, project the balance and check the termination penalty.
The FGTS is a savings account opened in your name and fed by your employer, not by you. For every month you work under a CLT contract the company deposits 8% of your pay into it, on top of your salary — it is not a deduction and should never appear as one on a payslip. The base is your whole monthly pay: overtime, the night premium, commissions, the 13th salary and an indemnified notice period all carry the 8%. A few contracts use another rate — an apprentice is 2% — which is why the rate here is a field you can change rather than a number welded into the page.
What this calculator tells you exactly is how much is deposited. What it cannot tell you is what the account will be worth, and the difference matters. FGTS balances also earn the fund's own return: the TR reference rate plus 3% a year, plus a share of the fund's annual profit credited to every account. The TR moves with the market, the profit share is decided once a year and has swung widely, and neither can be forecast honestly by a web page. So the projection separates the two: the deposits are arithmetic, the balance is an estimate built on a return you type in yourself. Three per cent is the legal floor, not a promise, and your FGTS statement is the only exact figure.
The other number people come here for is the termination penalty. Dismiss you without just cause and the company owes an extra 40% on the FGTS, calculated on every deposit made during that contract, restated — including any amount already withdrawn under the birthday withdrawal option. It is not 40% of whatever the balance shows today, and it does not reach money left by a previous employer, which is what the checkbox above is for. A dismissal agreed by both sides is different: the penalty falls to 20% and you may withdraw only 80% of the balance. Everything is computed on your own device; the figures you type are never transmitted or stored.
Monthly deposit = gross monthly pay × 8%. With the 13th salary included, one twelfth of a deposit is added each month. Deposits over the period = monthly deposit × months. Estimated balance = the running balance credited each month with the assumed annual return divided by twelve, then increased by that month's deposit. Termination penalty = balance of the contract × 40% (or × 20% for a dismissal by mutual agreement). Every amount is held as whole cents; rounding is half up and happens only when a value is shown.
No. The 8% is paid by the employer on top of your pay, into an account in your name at Caixa. If a payslip shows FGTS as a deduction from your salary, that payslip is wrong.
Because the projection estimates deposits. Real accounts also earn the TR rate plus 3% a year plus a share of the fund's yearly profit, and none of that can be predicted here. The return field lets you test an assumption; only your FGTS statement shows the actual balance.
Then edit them. The panel shows the year and revision date of the values in use, every rate is an editable field, and the result recalculates as you type. "Restore official values" brings back the original figures — an out-of-date table becomes something you correct, not a wrong number handed to you quietly.
Not exactly. It falls on every deposit made during that contract, restated — including amounts already withdrawn, such as under the birthday withdrawal option. Money deposited by a previous employer is outside the base, which is what the checkbox is for.
The penalty drops from 40% to 20% and you may withdraw 80% of the balance instead of all of it. The tool shows that scenario under the result.
No. Everything is calculated by JavaScript on your own device. Nothing is sent to any server, nothing is stored, and no one at Vai.la sees what you typed.
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