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fgts 40 penalty

FGTS and 40% penalty: quick estimate

This page is for people who want the short version: how much FGTS may have accumulated and what the severance penalty on top of it could look like.

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How the estimate works

  • The standard monthly contribution uses 8% of gross pay, building an accumulated balance over the months worked.
  • The 40% penalty applies to the linked FGTS balance and is often one of the most relevant parts of a without-cause exit package.

Quick examples

1 year in the company

Input
R$ 4.000 por 12 meses
Expected output
Saldo FGTS + estimativa da multa

Useful as a first severance estimate.

3 years in the company

Input
R$ 6.500 por 36 meses
Expected output
Saldo acumulado bem maior e multa mais sensível

Shows how tenure expands the fund.

Full tool FAQ

The FGTS is a mandatory fund created by Lei 8.036/1990 to protect workers upon dismissal without cause. The employer deposits 8% of the gross salary monthly into an account managed by Caixa Econômica Federal.

Frequently asked questions

Does the real FGTS yield enter this estimate?

This is a simplified estimate. The real balance may vary according to actual credited returns and account history.

Does the 40% penalty apply to any dismissal?

No. It depends on the dismissal mode and is most typical in terminations without cause.