Why AI Safety Auditors Are Flooding Reviewers With False Alarms
AI auditors catch errors but trigger false alarms
FGTS Calculator 2026: Balance & Termination Fine
Enter your salary, months worked and optionally your current balance to simulate FGTS growth.
The FGTS (Severance Indemnity Fund) is deposited monthly by employers at 8% of gross salary. The balance grows with 3% annual interest plus the TR (Reference Rate), updated monthly by Brazil's Central Bank.
Monthly gross salary (CLT)
How many months to project FGTS growth
Check in the Caixa FGTS app. If not provided, the simulation starts from zero.
Current TR (Central Bank): 0,1695% per month. Used for balance correction.
Fill in salary and months to see the result.
Educational estimate. The real FGTS balance is only available through the Caixa FGTS app or bank statement. The TR is fetched from the Central Bank in real time, but may have up to 1 hour delay.
Rules verified on 2026-09. Rate, interest and TR correction methodology may change by law.
FGTS Questions
How much does the employer deposit into FGTS?
8% of the monthly gross salary for CLT workers. Apprentices have a 2% rate. The deposit is made by the 7th of the following month into the linked Caixa Econômica Federal account.
How do I check my real FGTS balance?
Through the Caixa FGTS app (Android and iOS), Caixa Internet Banking or directly at branches. This calculator makes an estimate and does not access the real account.
When can I withdraw my FGTS?
In case of dismissal without cause, retirement, purchase of property through SFH, serious illness (cancer, HIV), serious illness of spouse or dependent, public calamity, or when the account has no deposits for 3 years.
What is the 40% FGTS fine?
When you are dismissed without just cause, the company pays a 40% fine on the total FGTS balance — money that goes to the worker, not to the fund. In a mutual termination agreement (art. 484-A of CLT), the fine is 20%.
Does a near-zero TR affect my FGTS?
Yes. Since 2017 the TR has been nearly zero, so the real FGTS return has been close to just 3% per year. Even so, FGTS protects the worker through the 40% termination fine.
