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New Round of Releases Begins in January and May Benefit Millions of Workers
The birthday withdrawal from FGTS in 2025 already has a confirmed schedule and offers Brazilian workers the chance to withdraw part of the balance annually. With amounts that can reach R$ 2,900 per year, this option allows for more financial flexibility without relying on dismissal.
The system is optional but requires attention: those who opt for it lose the right to withdraw the entire balance in case of dismissal, keeping only the severance penalty. Below, we explain how it works, how to join, and what to evaluate before making this decision.
What Is the Birthday Withdrawal of FGTS?
The birthday withdrawal is an alternative to the traditional withdrawal (termination). It allows workers to withdraw a part of their FGTS balance annually in the month of their birthday. Enrollment is voluntary and can be done directly through the FGTS app or website, with deposits made into an account indicated by the user.
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Those who choose this option continue to receive monthly deposits from their employer but cannot withdraw the total account balance in case of unjustified dismissal. In this scenario, only the 40% penalty is released. Reverting to the traditional model is only allowed after 24 months, provided the worker has not advanced amounts through a loan.
What Are the Birthday Withdrawal Dates in 2025?
The 2025 calendar organizes withdrawals according to the month of birth. Each beneficiary has a period of up to three months to make the withdrawal. See below:
| Month of Birth | Withdrawal Period |
|---|---|
| January | January 2 to March 31 |
| February | February 3 to April 30 |
| March | March 3 to May 30 |
| April | April 1 to June 30 |
| May | May 2 to July 31 |
| June | June 2 to August 29 |
| July | July 1 to September 30 |
| August | August 1 to October 31 |
| September | September 1 to November 28 |
| October | October 1 to December 30 |
| November | November 3 to January 30, 2026 |
| December | December 1 to February 27, 2026 |
The withdrawal period is relatively long, allowing workers to organize themselves calmly to use the amount strategically.
How to Calculate the Amount of the Birthday Withdrawal?
The amount of the birthday withdrawal varies according to the available balance in the FGTS accounts. Caixa Econômica applies progressive rates with fixed additional amounts in higher brackets. See the table:
| Balance Range | Rate | Additional Amount |
|---|---|---|
| Up to R$ 500 | 50% | — |
| From R$ 500.01 to R$ 1,000 | 40% | R$ 50 |
| From R$ 1,000.01 to R$ 5,000 | 30% | R$ 150 |
| From R$ 5,000.01 to R$ 10,000 | 20% | R$ 650 |
| From R$ 10,000.01 to R$ 15,000 | 15% | R$ 1,150 |
| From R$ 15,000.01 to R$ 20,000 | 10% | R$ 1,900 |
| Above R$ 20,000.01 | 5% | R$ 2,900 |
With this structure, those with higher balances have a lower percentage but receive significant additional compensations, which can result in a good net annual amount.
What Are the Pros and Cons of the Birthday Withdrawal?
Among the main advantages are the annual liquidity and the ability to use the resources for emergencies, investments, or debt reduction. The flexibility to return to the traditional model (even with a 24-month waiting period) is also a positive point.
On the other hand, the main risk lies in the loss of the total balance in case of dismissal. This can harm those who do not have an emergency fund or rely on the fund for critical moments. It is ideal to analyze the sector in which you work and your professional stability before deciding.
How to Join the Birthday Withdrawal?
The enrollment process is simple:
- Download the official FGTS app or access fgts.caixa.gov.br.
- Log in with your CPF and password.
- Select the “Birthday Withdrawal” option.
- Choose the account for deposit.
- Confirm your enrollment.
Changing the option is only effective if there are no pending loans linked to FGTS. It is possible to undo the choice, but returning to the termination withdrawal takes 24 months.
Is It Worth Choosing the Birthday Withdrawal?
The answer depends on your financial profile. Those seeking predictability and who do not foresee dismissal may benefit from the birthday withdrawal as a boost to their annual budget. For those in unstable jobs or without a financial reserve, maintaining the traditional model may be safer.
Do the math, assess your professional moment, and if necessary, consult a financial planner to make the best decision.
Do you already use this FGTS option? Do you plan to change your strategy in 2025? Share in the comments how this has impacted your budget and if you consider it a good idea for workers in general.
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