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Understand what the FGTS anniversary withdrawal is, which could end up in the Lula government


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Created in July 2019, during the first year of ex-president Jair Bolsonaro’s (PL) government, the FGTS birthday withdrawal (Fundo de Garantia do Tempo de Serviço) may be extinguished during the management of Luiz Inácio Lula da Silva (PT ).

The information was anticipated in the newspaper O Globo by the new Minister of Labor, Luiz Marinho.

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“As a measure to preserve the worker’s savings and guarantee the real purpose of the FGTS, Minister Luiz Marinho will propose to President Lula that the withdrawal of funds from the fund on the anniversary date be prohibited”, says a note from the ministry. “Before that, it will take the discussion of this topic to the Board of Trustees of the FGTS and to the trade union centrals.”

The resource allows the worker to withdraw part of the FGTS during a period of the year. The amount that can be withdrawn varies from 5% to 50% of the amount, plus an additional portion also linked to the balance in the worker’s account.

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The amount becomes available on the first working day of the worker’s birthday month and can be withdrawn up to three months later, that is, until the last working day of the second month after the birthday.

How much can be withdrawn:

Amount in the FGTS account Rate that can be withdrawn additional installment
Up to BRL 500 50%
From $500 to $1,000 40% BRL 50
From BRL 1,000.01 to BRL 5,000 30% BRL 150
From BRL 5,000.01 to BRL 10,000 20% BRL 650
From BRL 10,000.01 to BRL 15,000 15% BRL 1,150
From BRL 15,000.01 to BRL 20,000 10% BRL 1,900
Over BRL 20,000.01 5% BRL 2,900

The conventional modality of the FGTS is withdrawal-rescission. Through it, the worker can withdraw all the balance he has in the fund if he is fired without just cause. The amount is proportional to the working time, since at the beginning of every month the employer deposits in this account the equivalent of 8% of the salary of the employee with a formal contract.

In the option of withdrawal-birthday, the citizen loses the right to withdraw if he is fired and only receives a 40% termination fine.

Currently, joining the birthday withdrawal can be done through the FGTS application, as well as the return to the conventional modality. Migration, however, takes effect only two years after the return request. That is, the withdrawal-termination only becomes effective on the first day of the 25th month after the change request.

This month, the looting of birthdays from November and December 2022 is still available. January birthdays had the loot released on Monday (2). The money is available until March 31.

For now, the FGTS anniversary withdrawal calendar for 2023 is:

born in start of payment Final date to withdraw the amount


02/jan March 31
February Feb/01 Apr/28
March March 01 May/31
April Apr/03 30/jun
May May 02 July 31
June 01/jun 31/Aug
July 03/jul Sep/29
August Aug 01 31/Oct
September Sep/01 30/nov
October 02/Oct 29/dec
November 01/nov 31/jan/2024
December 01/dec 29/Feb/2024

At the time of the creation of the resource, Bolsonaro was trying to stimulate consumption. “We are giving back to workers the right to consume. Everyone will be contemplated with the measure”, said the then president.

Those who opt for the birthday withdrawal can still anticipate it. The advance is a loan that uses money from the worker’s FGTS account as collateral. Interest rates and the amount of withdrawals that can be anticipated vary by bank.

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