Overview
- Caixa’s 2026 calendar is active: March-born workers can withdraw from March 2 to May 29, while January and February windows remain open until March 31 and April 30, respectively.
- The payout follows a bracket system that applies a percentage to the FGTS balance plus a fixed additional amount, with lower rates on higher balances offset by a fixed parcel.
- Requests are made in the FGTS mobile app, where beneficiaries select a bank account, and approved funds are released within up to five business days.
- To have a new opt-in take effect this year, the choice must be made by the last day of the worker’s birth month.
- Opting for saque-aniversário limits layoff liquidity: on dismissal without cause the worker receives the 40% severance fine immediately while the remaining balance stays retained and a return to saque-rescisão only takes effect after 25 months.