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Mortgage with FGTS: How Much Do You Save?
Enter the property value, down payment, available FGTS balance, rate and term.
Using your FGTS balance to pay down a mortgage reduces the amount that accrues interest every month — the effect is bigger than it looks at first glance. This calculator compares the financing side by side, with and without FGTS.
Check your real balance in the official FGTS app before deciding — this is only the amount you enter here.
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Fill in the fields to compare both scenarios.
The rules for using FGTS to pay down or reduce a mortgage (maximum property value, a 3-year gap between uses, among others) are set by Caixa/Brazil's Housing Finance System and aren't verified by this tool — confirm your eligibility with your bank before counting on this amount.
PRICE and SAC formulas checked on 2026-09. FGTS eligibility rules change by regulation and aren't included in this simulation.
FGTS mortgage questions
Can I use FGTS on any mortgage?
No. There are rules such as a maximum property value, a minimum FGTS contribution period, and a required gap between uses, set by Brazil's Housing Finance System (SFH) regulations. Confirm your situation with Caixa or your financing bank before counting on this amount.
Is it better to use FGTS for the down payment or to pay down the balance later?
Using FGTS to reduce the financed amount (as simulated here) lowers the interest paid over the entire term of the contract — the sooner it's used, the bigger the accumulated interest savings.
Does my FGTS balance earn anything if I don't use it now?
Yes, but at a much lower return (TR + 3% per year) than the interest you'd avoid by paying down a higher-rate mortgage — which is usually why it pays off to use FGTS when you're eligible.
Does this tool confirm whether I'm eligible to use FGTS?
No. It only calculates the mathematical effect of using a balance you enter yourself. Real eligibility needs to be confirmed with your bank or the official FGTS app.
