Simulate annual FGTS birthday withdrawals under Caixa's 7 official statutory tiers (5% to 50% + fixed bonus) and estimate loan advances up to 10 years.
Sum of all active and inactive FGTS accounts in Caixa.
Lenders allow advancing between 1 and 10 future annual withdrawals.
Market interest rate for FGTS collateralized loans.
Saque = Saldo_{FGTS} \times Alíquota\ Faixa + Parcela\ AdicionalCaixa applies progressive rate brackets from 50% (under R$ 500) down to 5% (over R$ 20,000) with fixed additive portions up to R$ 2,900.00.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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